How Much Do Habitat For Humanity Homes Cost? 

2 years ago
2 mins 56 secs

If you’re considering buying or selling your home, you might wonder: How much do Habitat for Humanity homes cost? In fact, Habitat for Humanity homes has recently made headlines due to their numerous benefits.

The average cost for a Habitat for Humanity home is around $90,000 when adjusted for inflation, according to Habitat for Humanity. However, it does not include insurance, taxes, and other costs. Having said that, the price of a Habitat for Humanity home might vary based on some factors. That means it could be higher or lower than estimated. 

The Habitat for Humanity Homeownership Program provides homes on low and no-interest mortgages. And the best part, you get full ownership of your home. 

But before you get excited, you need to know how much you will be paying for a Habitat for Humanity home. In this article, we’ll look at how much Habitat for Humanity homes cost and the factors that affect the cost.

What Determines The Cost Of A Habitat For Humanity Home

Several factors determine the overall cost of a Habitat for Humanity home. The following are the most common factors: 

1. Neighborhood And Location

The neighborhood is one of the main factors that will affect the cost of a Habitat for Humanity home. For example, the prices tend to be higher if the house is in a good school district or a shopping center. 

Based on states, the most expensive Habitat for Humanity homes are in Oklahoma, Nebraska, and Kansas. The least costly Habitat for Humanity homes is in Utah and Vermont. 

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2. Size And Design Of The Home

The size of a Habitat for Humanity home significantly influences its price. The cost of a home is roughly estimated based on the square foot.  

Therefore houses with more square feet tend to cost more, of course. You will also need to consider the design of the home. Traditional, simple homes cost the least compared to modern homes.

How Much Do Habitat For Humanity Homes Cost, On Average? 

While the national average cost of a home is $180,000, a Habitat for Humanity home is overall cheaper. A Habitat for Humanity home costs $80,000 to $90,000 on average, although it can get lower. 

In some states, it can cost as low as $75,000 or as much as $150,000. But that’s not including the pre-payments cost. You will have to pay pre-payment costs of around $3,000 to close the sale. And also doesn’t take into consideration the time aspect as HFH does demand that new homeowners must work between 100 and 500 hours for them. Which is why a lot of people are starting to ask whether Habitat for Humanity is a bad thing.

Unforeseen Costs Of Habitat For Humanity Homes

In addition to the obvious expenses such as pre-payment costs, there are some potential hidden costs you should prepare of: 

1. Utility Costs

Your Habitat for Humanity home will require water and electricity. You’ll have to pay utility costs ranging from $114 for electricity to $71 for water. This may appear like little fortune, but luckily there are ways you can lower your utility bill. 

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2. Home Insurance

Getting home insurance can be costly. You can spend up to $158 per month or $1,899 per year on home insurance, but it varies. 


The bottom line is that even if a Habitat for Humanity home costs $90,000 on average, it is cheaper. Aside from that, you can save up to $50,000 to $70,000 because of the zero interest rates. 

We hope that this article paints a clearer picture to your question.

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