Through new construction and remodeled homes we offer a wide variety of affordable housing opportunities in Lexington, Kentucky. Lexington Habitat for Humanity homes feature quality, energy efficient design and construction. The total square footage of each home is based on the lot and family size. Our homes adhere to neighborhood covenants and restrictions (in limited instances Lexington Habitat homes are built with brick and/or garages).

We are proud to build ENERGY STAR rated homes which helps Habitat homeowners control utility costs. Lexington Habitat’s construction department provides oversight for all builds. They are joined by community volunteers and partner families for all aspects of building.

Demonstrate the Following

1. Substantial need for housing – your home must be:

  • – Substandard–problems with heat, water, electricity, structure
  • – Insufficient space–lacking enough bedrooms for the number of people in the household
  • – Dangerous–located in unsafe or unsanitary living conditions
  • – Inadequate–not suited for a family member who has a limitation
  • – Subsidized for an extended period of time

2. Ability to Pay

  • – Your income will not stop or decrease by owning a home and is stable over time
  • – Your income will allow you to pay an $800 non-refundable Homeowner Preparation Fee to help cover some of your closing costs
  • – Your credit report and current debts are satisfactory
  • – Your income does not qualify you for other home ownership programs

3. Willingness to partner with LHFH

  • – Completing the application on time with all the requested information
  • – Be willing to move to a new location within Lexington
  • – Agree to complete sweat equity hours
  • – Show that the family is ready for the responsibilities of owning and keeping up a home and yard

Requirements to Purchase a Habitat Home

To be eligible to become a Lexington Habitat for Humanity Partner Family, you must meet the following requirements:

  • U.S. Residency – You must provide proof of U.S. citizenship or legal residency through a birth certificate, passport,  permanent resident card, I-94 card, or other documentation provided by the U.S. government.
  • Local Residency/ Work History – You must have lived or worked in Fayette County, KY for one continuous year prior to application.
  • Monthly Income – Your gross monthly income must be at least $1,600 per month and you must have had income of at least $1,000 per month for the past 2 years or you must have been at the same job/had  same income source for one year.
  • Credit – Your credit report and current debt must be satisfactory—we will obtain your credit report and review it with you to see if you are eligible to proceed. Bankruptcy filings must have been discharged a minimum of one year before the time of your application.
  • Have a total household income which does not exceed 60% of the median income for similar size families in Fayette County

Family Size/Maximum Income

1 2 3 4 5 6 7 8
$28,020 $31,980 $36,000 $39,960 $43,200 $46,380 $49,560 $52,800


  • Level of Need -Your current housing is substandard, insufficient for your family size, dangerous, or inadequate.
  • Involvement – You must be willing to partner with Habitat by providing information on time, and by showing you are ready to maintain a home and yard. You must also agree to work required sweat equity hours by coming to homeownership classes and helping to build your home.

Application Steps

  • Submit-Pre-Application Packet – pick up a pre-application packet from our office, ReStore, or print from our website. We will also mail you a copy of the packet upon request. You will receive a reply by mail within 30 days.
  • Pre-Application – Cost is $20.  Credit report is pulled and we will look at any debt you may have in collections as well as your current debt ratio to determine if you qualify to proceed.
  • Application – Look at all gathered documents to verify all stated income.  Financial screening – done to determine if you fall within our income guidelines after all income has been verified, to determine ability to pay.
  • Home Visit(s) – Home visit(s) conducted by two members of the Family Selection Committee.  They are looking for need based on your current living situation.  It is also a chance to meet your family and ensure you understand the application process.
  • Selection by Committee – Once you have had your home visit(s), the committee meets to discuss your application and will vote on recommending you to the Board of Directors for final approval as a new Partner Family.

 – – At any point in the process you can be denied. If that is the case, you will be notified promptly. – –


Pre-Application Packet

If you think you meet the selection requirements, please complete a Pre-Application packet and return it to our office. If you meet all the requirements based on the pre-application forms, we will invite you to schedule an appointment. Please note the following:

  • Allow 1 hour to for that appointment
  • An application fee of $20 is required
  • All applicants must be present and have photo ID’s

If your pre-application is approved, you will need to schedule an additional appointment to complete a full application.

Homeownership FAQ’s

What is Habitat for Humanity?

Habitat for Humanity is a homeownership program serving applicants all over the world who are in need of simple, decent, affordable housing. In Lexington, we serve applicants who qualify by helping them remodel or build a home that they will purchase after successfully completing our program. Homeownership is a long-term commitment and we want to be as certain as we can that the applicant is ready to make this commitment.

Where will my home be?

Lexington Habitat for Humanity builds wherever we can find lots that are affordable for us to pass on to you at an affordable price, or wherever lots suitable to build on are donated to us. We most frequently build in the North side of Lexington, including the East End and West End areas. When a family is approved and begins classes they will be given the option to look at all lots we have ready to build on at that time and those that will fit their house size. LHFH has no way to predict lots that will become available – you will be given a complete list of everything available during your homeowner education classes.  See a map of where we build most often.


How many bedrooms will my house have?

The number of bedrooms will be based on your family size. Houses are designed with 2, 3, or 4 bedrooms. We assign house size based on the number of people in the household.  Families with special needs due to physical limitation or disability will receive separate consideration about accessibility needs, but the number of bedrooms will not change.

How long does it take before I could move in?

This can vary with each individual family depending on how long it takes to complete the sweat equity hours and when they start the program. Generally, the entire process, from application (or whenever your credit report meets our criteria) to closing, average of 2 years.

How much will my house cost?

For new construction, your monthly mortgage payment is based on your income and is currently calculated at approximately 20% of your total gross monthly income. Mortgage terms range from 15-30 years and will be calculated based on your monthly payment amount. The average appraised value of our homes is $75,000-110,000, though each house value will vary based on size and location. You house payment will also include the amount necessary to pay your annual property taxes and insurance. However, keep in mind utilities are not included as this is not a rental and you will be responsible for your electric and water accounts.

Can I customize my house? What features do I get to choose on my house?

Floor plans and basic construction cannot be customized and will be determined by our construction department based on the lot you select. Habitat builds one-story houses whenever possible, but we cannot guarantee whether a house will be one or two stories. It is our mission to build decent, simple and affordable homes – we are not a custom builder. We do not build houses with garages or brick or other “extras” unless neighborhood covenants or restrictions require those. Families get to choose the color of the following items based on the samples our supplier gives us: siding, shutters, carpet, vinyl flooring, and kitchen countertop.


What is sweat equity?

Sweat equity refers to the actual hands-on involvement of potential homeowners in the work of building their Habitat houses and others.  It is the partner family’s physical investment in Habitat’s work. We look at the hours you invest in your home as a “down payment” of sorts and require all hours be completed before closing – there is no monetary down payment.

How many sweat equity hours are required and how do I earn them?

Depending on the number of adults in a household, your family will be required to earn either 250 or 500 hours of sweat equity. Households with one adult will need 250 hours and households with two or more will need 500. Of those 250 or 500 hours, each family is required to complete 100 hours of their total sweat equity hours on construction. Also, friends who help build your house may count for an additional 50 or 100 of your required hours. Attending homeownership workshops, budgeting sessions, volunteering in our ReStore and hands-on work on the job site earn these hours.

What are homeownership classes?

Habitat requires that partner families attend weekly homeownership classes for approximately 18 weeks on Monday nights from 6-8pm. The classes are an opportunity to understand Habitat’s policies, learn about homeownership, and ask questions. These classes cover topics like budgeting, savings, landscaping, home maintenance, and safety. They generally last two hours and count toward your sweat equity total.

What can my kids do to help earn Sweat Equity?

Young members of the household who are 16 years old or older are allowed to come to classes or work on construction sites with you and will earn sweat equity for their time. Children or household members 15 years old and younger may come with you to Habitat sponsored events in the community or to dedications. Habitat will let you know about community events that qualify. When you start building your home, they will also be able to help you clean your job site at times when no workers are present.

Do I have to pay any fees before I move in?

Yes, we have a Homeowner Preparation Fee that we require all Partner Families pay. You will agree to pay a $800 non-refundable homeowner preparation fee to help cover expenses such as your first year’s homeowner’s insurance premium, the appraisal of your home, and other closing costs. You must pay a total of $800 in (1) payment of $200 due at lot selection and (10) payments of $60 due at the first of each month for 10 consecutive months following lot selection. The total cost of your closing is at least $1,000 and we apply your payments towards these fees. Habitat pays all costs beyond the $800 you contribute.

Please visit our sponsorship page to learn more about how you can make homeownership a reality for a family in need.

donate online

equal housing opportunity logo

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.

Delena Carson family

Delena Carson is excited to speak to anyone about her experience as a Lexington Habitat for Humanity partner family. Delena and her three children are lifelong residents of Lexington, and look forward to becoming homeowners for the first time in 2016. Their family is close, enjoying time together with movie and Monopoly nights at home. For her children, it will be the first time they have been able to have rooms of their own–one of which they might decorate entirely in Seattle Seahawks green.

Delena knows and values the opportunity she has been given to purchase a home with Lexington Habitat. She says, “To be able to have something to call my own, that my kids can look forward to and brighten their future and their horizon will change everything. Just the stability and knowing that this is our home. So we all plan to enter this home in happiness and in joy and being grateful for the blessing.”

For the sponsors and volunteers that will make this dream possible, Delena would like to say “Thanks for your dedication and hard work. It really means a lot to me and my family. This would not be possible without you.”

The Carson home is generously sponsored by Link-Belt.