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Habitat for Humanity International Inc

EIN 14-1708404 · Albany, NY

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthWeak40 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

TO BUILD SIMPLE, DECENT AND AFFORDABLE HOMES IN PARTNERSHIP WITH LOWER INCOME HOUSEHOLDS. THE ORGANIZATION BUILDS HOUSES WITH DONATED MONEY, MATERIALS, AND LABOR AND SELLS THE HOMES TO ITS PARTNER FAMILIES, PROVIDING AN AFFORDABLE MORTGAGE AND BELOW-MARKET-VALUE SALES PRICE.

Income
$3.3 million
Spending
$3.4 million
Spent on programs
88%
Reserves
2.1 months of spending
Largest source of income
government grants, 37%
Employees
15
Volunteers
287
Highest pay
$132,257, director of construction

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Weak: 40 out of 100.

  • Reserves

    10 of 35

    Spendable reserves would cover 2.1 months of spending.

  • Debt

    2 of 20

    It owes 87% of what it owns.

  • Living within its means

    8 of 15

    Spending exceeded income by 5% of income.

  • Income trend

    5 of 15

    Income fell 21% on the year before.

  • Spending floor

    15 of 15

    88% of spending went to programs and raising each dollar of donations cost 7 cents.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100.

  • Independent board

    25 of 25

    13 of 13 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (3)
  1. $2.3 million spent. HOMEOWNERSHIP PROGRAM: HABITAT BUILDS NEW HOMES AND REHABILITATES VACANT HOMES FOR FIRST-TIME HOMEBUYERS. OUR PROFESSIONAL CONSTRUCTION STAFF MANAGES OUR BUILD SITES AND OVERSEES OUR PAID SUBCONTRACTORS AND VOLUNTEERS. WE BALANCE THE USE OF PROFESSIONAL AND VOLUNTEER LABOR TO ACHIEVE OUR GOAL OF SERVING AS MANY FAMILIES AND INDIVIDUALS AS WE CAN, AS EFFICIENTLY AS WE CAN. WE PRIMARILY BUILD INFILL NEW CONSTRUCTION RESIDENTIAL IN FOCUS NEIGHBORHOODS TO MAXIMIZE IMPACT. QUALIFIED HOMEBUYERS HAVE THE OPPORTUNITY TO PURCHASE A HOME THAT IS APPROPRIATE FOR THE SIZE AND COMPOSITION OF THEIR HOUSEHOLD BASED ON OUR CURRENT PROJECTS. HABITAT HOMES ARE THEN SOLD TO FIRST-TIME HOMEBUYERS AND FINANCED WITH AFFORDABLE LOANS. HABITAT WORKS WITH RESPONSIBLE BANKS TO HELP EXPAND ACCESS TO AFFORDABLE MORTGAGESADVOCATING FOR CHANGE TO UNDO DECADES OF UNFAIR LENDING PRACTICES AND PUBLIC POLICY. HABITAT HOMEBUYERS ARE QUALIFIED BASED ON THEIR LEVEL OF NEED, THEIR WILLINGNESS TO BECOME PARTNERS IN THE PROGRAM, AND THEIR ABILITY TO OBTAIN AND REPAY AN AFFORDABLE LOAN. DURING FISCAL YEAR 2025, HABITAT FOR HUMANITY CAPITAL DISTRICT COMPLETED AND SOLD 6 NEW CONSTRUCTION HOMES TO INCOME-ELIGIBLE HOMEBUYERS THAT QUALIFIED FOR HABITAT'S HOMEOWNERSHIP PROGRAM.
  2. $574,140 spent. HABITAT RESTORE: HABITAT FOR HUMANITY CAPITAL DISTRICT OPERATES A HOME IMPROVEMENT RETAIL STORE WHERE WE SELL NEW AND GENTLY USED FURNITURE, APPLIANCES, HOME DECOR AND BUILDING MATERIALS. IN FISCAL YEAR 2025, THE RESTORE RAISED FUNDS TO BUILD HOMES AND STRENGTHEN NEIGHBORHOODS IN THE CAPITAL DISTRICT, PREVENTED 367 TONS OF MATERIAL FROM ENDING UP IN THE LANDFILL AND PROVIDED HOME IMPROVEMENT GOODS TO THE PUBLIC AT AN AFFORDABLE PRICE, THEREBY EXPANDING ACCESS TO HOME IMPROVEMENT AND REPAIR OPPORTUNITIES.
  3. $136,586 spent. FINANCIAL AND HOMEBUYER EDUCATION PROGRAMS: HABITAT WORKS WITH FAMILIES TO HELP THEM ACQUIRE THE ACCESS, SKILLS AND FINANCIAL EDUCATION NECESSARY FOR SUCCESSFUL, LONG-TERM HOMEOWNERSHIP. IN FISCAL YEAR 2025, HABITAT SERVED 96 PEOPLE THROUGH APPLICANT MEETINGS AND ORIENTATIONS, 11 PEOPLE THROUGH FINANCIAL LITERACY TRAINING, THREE HOUSEHOLDS THROUGH HOME MAINTENANCE TRAINING AND PROVIDED NEARLY174 PEOPLE WITH TARGETED REFERRALS TO OTHER HOUSING AGENCIES AND SERVICES. HABITAT FOR HUMANITY CAPITAL DISTRICT QUALIFIED AND PREPARED 6 HOMEBUYERS FOR SUCCESSFUL HOMEOWNERSHIP THROUGH HABITAT'S PROGRAM.

Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Worth knowing.

    Not individually listed by the IRS as eligible, which is usual for local chapters covered by a parent organization's exemption. The master file records contributions to it as deductible.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending June 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since January 1987.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.