For more than 30 years, Habitat for Humanity of Gallatin Valley, Inc. has built homes and fulfilled dreams in partnership with hardworking families and individuals. Through a collaborative effort, Habitat works toward increasing the affordable housing stock in our community. Homes are sold to qualifying partner families and financed with affordable loans.

Want to apply to be a Habitat for Humanity Partner Family?

Our homeownership program empowers hard working individuals and families to build and buy their own homes.  We partner with our homeowners every step of the way, and provide the education and support needed to become successful homeowners. 

Habitat Partner Qualifications

Our staff and Family Selection Committee select our partner families based on four main criteria:

1. Need for Housing: An applicant is considered in need if they pay more than 30% of their income towards rent, the home they are living in is too small for the number of people, the home itself is substandard or unsafe (the roof leaks, the plumbing or wiring is bad, etc.) and/or children do not have a safe space to live and play. Applicants must not currently be a homeowner.
2. Ability to Pay: Habitat sells newly constructed homes to family partners at cost, with no-to-low interest. A maximum of 30% of applicant(s) income can go towards housing/mortgage costs (which can include property taxes, property insurance, and HOA dues, if applicable). Applicants must have the financial ability to qualify for, and make, long-term mortgage payments. Habitat seeks family partners earning about 80% of the area median income (this amount varies between counties and fluctuates from year to year). Household income must be below 80% of the Area Median Income in order to qualify for our program. Habitat for Humanity of Gallatin Valley, Inc. is not currently loaning money for Habitat housing, but there could be other ways to seek a home loan (i.e. - Montana Board of Housing or other). See Chart below for HUD income limits for Gallatin County (Park & Madison Counties may be different numbers as these numbers are county and year specific). 
3. Willingness to Partner: Habitat for Humanity requires each partner to commit to 500 hours of "Sweat Equity" (volunteer work time). The head(s) of the household who will be living in the home must complete 250 of these hours, and the additional 250 can be done by friends and family. "Sweat Equity" hours help families gain a sense of ownership as well as a better understanding of the building process. Partners must be willing and able to participate in a homeownership education and financial planning course. Home must be occupied by the owner, not rented or sublet. 
4. Residency: Habitat for Humanity of Gallatin Valley, Inc. requires applicants to live or work in the county of the home to which they are applying (Gallatin, Park or Madison) for at least one year. 

Program Eligibility

Review the financial and general qualifications below to understand the criteria to be eligible for our program. You must:

• Live or work in the county you are applying for at the time of application.
• Be a U.S. Citizen or Legal Permanent Resident.
• Have at least three years since being discharged from bankruptcy.
• Earn an annual gross income within the range based on family size (as determined by programs (such as HUD) applicants may be eligible with through Habitat for Humanity. HUD's income levels are county specific and updated yearly)
• Credit score of 640+

Gallatin County

Gallatin County Median Family Income (FY 2024): $109,000

Visit https://www.huduser.gov/portal/datasets/il.html for more & current income limit information. You will need to enter information (like the year, state, and county) to get current HUD Income Limits. 

*Habitat for Humanity of Gallatin Valley, Inc. updates our income requirements based on area market conditions and varies from county to county. We reserve the right to revise these guidelines at any time. There are minimum and maximum incomes required for mortgages on Habitat homes.

How to Apply

Gallatin, Park, & Madison Counties

If you live or work in Gallatin, Park, or eastern Madison Counties and would like to apply, please download the application and application checklist and submit all materials to:

Habitat for Humanity of Gallatin Valley, Inc.

c/o Family Selection Committee

230 Arden Drive

Belgrade, MT 59714

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Are you interested in Gallatin, Park or Madison County? (please note Residency Qualification) (Required) ----- Gallatin Madison Park

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Habitat for Humanity of Gallatin Valley provides equal housing opportunities for all, and ensures fair and equal access to its programs and services regardless of race, color, religion, gender, national origin, familial status, disability, marital status, age, ancestry, sexual orientation, source of income, or other characteristics protected by law. Anyone who feels he or she has been discriminated against may file a complaint by calling 1-800-669-9777 (Toll Free) or 1-800-927-9275 (TTY).

Our door is always open. 

Call us or stop in today and we can answer any of your questions regarding programs and services. Thank you for your interest in our chapter of Habitat for Humanity.