• Helping Families Become Homeowners

Decent. Affordable. Attainable.

Habitat for Humanity builds decent and affordable homes around the world in partnership with families in need of a decent place to live.

Homeownership Qualifications and Requirements

The following is a brief overview of the qualifications for our program and is provided for informational purposes only.

  • Lived and/or worked in Franklin County for at least 1 year.
  • Current living conditions are sub-standard.
  • Can provide proof of reliable income.
  • Annual income falls within HUD’s Pennsylvania limits.
  • Willing to partner with Habitat For Humanity by contributing a minimum of 250 hours (200 for single individuals) of “sweat equity” in house construction or other approved activities.

A homebuyer education seminar must be completed; registration is required.

Call PathStone at (717) 264-5913 to register.

2026 HFHFC Income Requirements

Applicants must have a steady annual income within the limits set by HUD annually for Pennsylvania.

  • Family Size
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • Minimum
  • $21,000
  • $24,000
  • $27,000
  • $29,950
  • $32,350
  • $34,750
  • $37,150
  • $39,550
  • Maximum
  • $55,900
  • $63,900
  • $71,900
  • $79,850
  • $86,250
  • $92,650
  • $99,050
  • $105,450

Income Calculator

Enter the total monthly gross income for your household below to see if you meet the income guidelines for consideration.

Applications are open.

Call our community partner, PathStone, to begin the process: 

(717) 264-5913

Updated August 1, 2025

Frequently Asked Homeownership Questions

Sweat equity is the process by which families help build their homes and communities.

Each family is required to put in a minimum of 200 hours toward the building of their homes and their neighbors’ homes. At least 100 hours of this time is spent in construction. Other hours of this time may include homeowner education and financial training.

While extended family and friends are encouraged to help along with the homeowner family, there is a minimum amount of hours the family itself will need to perform.

You may be asked to do a number of various things, such as:

Construction work, attending educational programs and training sessions provided by HFHFC, or assisting at the ReStore.

Habitat’s goal is affordable housing and we work with each qualified family on an individual basis to meet their specific needs.

Many items contribute to the cost of a home and factor into determining a Habitat homeowner’s monthly mortgage payment, such as income, real estate taxes and homeowner’s insurance.

Homeowners pay a modest down payment amount and will receive an affordable mortgage. As homeowners make their mortgage payments, the money is reinvested in building or rehabbing homes for future Habitat families.

New HFHFC homes are typically 1-story 3-bedroom ranch-style homes and are normally around 1200 sq feet.

We build homes that match well with the neighboring houses. Consideration is given to any unique dynamics that homeowners may need.

Ask away!

Don’t hesitate to contact our team at 717-267-1899 or info@habitatfranklinpa.org if you’d like more information about anything you see (or don’t see) here.

Office Hours

Monday: 9am – 2pm
Tuesday: 9am – 2pm
Wednesday: 9am – 2pm
Thursday: 9am – 2pm
(other hours by appointment only)

1502 Lincoln Way East
Chambersburg, PA 17202
717-267-1899

ReStore Shopping Hours

Monday: CLOSED
Tuesday: CLOSED
Wednesday: 10am – 6pm
Thursday: 10am – 6pm
Friday: 10am – 6pm
Saturday: 9am – 3pm
Sunday: CLOSED

1662 Lincoln Way E
Chambersburg, PA 17202
717-491-1156

About Us

Our Story
Our Team
Our Impact
Homeownership Qualifications
Habitat ReStore
Frequently Asked Questions
News & Events

Get Involved

Ways to Donate
Volunteer Opportunities
ReStore Donation Pickup Scheduling Request

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

Get in Touch

Affiliate Office

1502 Lincoln Way East, Chambersburg, PA 17202
717-267-1899

ReStore

1662 Lincoln Way East, Chambersburg, PA 17202
717-491-1156

CONTACT US
DONATE

Questions about financial donations? Please contact mark@habitatfranklinpa.org

Our EIN # is 25-1706987