Mutual Housing Association of South Central Connecticut Inc
Public records show a registered, tax-exempt organization in good standing.
What it says it does
TO DEVELOP, OWN AND OPERATE PERMANENTLY AFFORDABLE QUALITY HOUSING THAT BUILDS STRONG, HEALTHY AND VIBRANT COMMUNITIES THROUGH ACTIVE RESIDENT AND COMMUNITY PARTICIPATION AND LEADERSHIP.
- Income
- $5.3 million
- Spending
- $20.3 million
- Spent on programs
- 94%
- Reserves
- -16.2 months of spending
- Largest source of income
- fees for its services, 64%
- Employees
- 60
- Volunteers
- 6
- Highest pay
- $125,804, corporate counsel
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Weak: 17 out of 100. Higher than 1% of charities in its peer group (housing, $1m to $10m).
Reserves
0 of 35Spendable reserves are negative: it owes or has committed more than it holds.
Debt
2 of 20It owes 91% of what it owns.
Living within its means
0 of 15Spending exceeded income by 282% of income.
Income trend
0 of 15Income fell 25% on the year before.
Spending floor
15 of 1594% of spending went to programs and raising each dollar of donations cost 4 cents.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 70% of charities in its peer group (housing, $1m to $10m).
Independent board
25 of 256 of 6 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 2024, 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)
- $60,471 spent. REAL ESTATE DEVELOPMENTTHE REAL ESTATE DEVELOPMENT DIVISION PROVIDES A SIGNIFICANT SOURCE OF NEIGHBORWORKS NEW HORIZONS REVENUE THROUGH THE GENERATION OF DEVELOPER'S FEES UPON THE COMPLETION AND OCCUPANCY OF EACH DEVELOPMENT. REAL ESTATE DEVELOPMENT WORKS WITH MUNICIPALITIES ON SITE SELECTION, OBTAINS FUNDING COMMITMENTS, SELECTS GENERAL CONTRACTORS AND OVERSEES CONSTRUCTION.NEW HAVEN RICHARD STREET - 23 UNITS CONSISTS OF 20 UNITS FROM EXISTING PORTFOLIO IN NEED OF CAPITAL UPGRADES AND 3 UNITS AT 19 RICHARD STREET. BOTH BUILDINGS COMPLETED LEAD-BASED PAINT REMEDIATION IN THE SUMMER OF 2016. UNDER CONSTRUCTION, COMPLETION ESTIMATED Q4 2025.BRIDGEPORT 810 BOSTON AVE - 23 UNITS THIS IS AN ACQUISITION REHAB OF AN OPERATING SUPPORTIVE HOUSING PROPERTY. LIGHT REHAB OF EXTERIOR AND COMMON AREA UNDERWAY COMPLETION ESTIMATED Q2 2026.CHESHIRE JACK'S FARM- 44 UNITS NEW CONSTRUCTION IN PARTNERSHIP WITH CHESHIRE HOUSING AUTHORITY. 1-3 BEDROOMS IN 3 BUILDINGS. CONSTRUCTION UNDERWAY, COMPLETION ESTIMATED Q2 2027DERBY TROLLEY POINTE 105 UNITS TURN KEY ACQUISITION OF NEW MULTI-FAMILY APARTMENT BUILDING. CLOSING EST. Q4 2025GUILFORD WOODRUFF RESERVE - 16 UNITS NEW CONSTRUCTION WITH 1-3 BEDROOMS. ANTICIPATED CONSTRUCTION START 2026.NEW HAVEN GEORGE STREET 81 UNITS DEMOLITION AND NEW CONSTRUCTION OF EXISTING 58-UNIT PROPERTY IN OUR PORTFOLIO. LIHTC CREDIT APPLICATION TO BE SUBMITTED Q1 2026.
- $18.8 million spent. PROPERTY MANAGEMENTTHIS DIVISION IS RESPONSIBLE FOR THE DAILY OPERATIONS OF THE PORTFOLIO, WHICH ENCOMPASSES PHYSICAL PLANT AND APPLICANT AND RESIDENT COMPLIANCE. NWNH'S PORTFOLIO, WHICH IS WORTH IN EXCESS OF $75 MILLION, CONSISTS OF 25 DEVELOPMENTS (OWNED OR MANAGED) WITH OVER 750 UNITS IN ANSONIA, BRANFORD, BRIDGEPORT, CLINTON, EAST HAVEN, GUILFORD, HAMDEN, MILFORD, NEW HAVEN, PAWCATUCK, SHELTON, SOUTHINGTON, AND WATERBURY.MAINTENANCE EMPLOYEES ARE RESPONSIBLE FOR ROUTINE AND EMERGENCY SERVICES, CLEANING GROUNDS AND COMMON AREAS, GENERAL UPKEEP, AND SUPERVISING AND SELECTING CONTRACTED VENDORS FOR CAPITAL IMPROVEMENT AND LANDSCAPING. PROPERTY MANAGEMENT STAFF ARE RESPONSIBLE FOR RESIDENT SELECTION, RENT COLLECTION, MARKETING UNITS, INITIAL LEASE-UP OF NEW DEVELOPMENTS, RESPONDING TO RESIDENT REQUESTS- SUCH AS TRANSFERS, REASONABLE ACCOMMODATION REQUESTS, FAIR HOUSING ISSUES, AND THE ANNUAL INCOME RECERTIFICATION AND LEASE RENEWAL. NEIGHBORWORKS NEW HORIZON MUTUAL HOUSING 730 GEORGE STREET, NEW HAVEN - 58 UNITS. COMMONLY KNOWN AS GEORGE STREET, UNITS RANGE FROM 1 BEDROOM TO 4 BEDROOMS IN SIZE. THE BUILDING UNDERWENT A GUT REHAB IN 1996, AND IN 2013 THE LIMITED PARTNERSHIP INTEREST WAS PURCHASED BY NWNH. HUBBARD WOODS MUTUAL HOUSING APPLE TREE LANE, GUILFORD - 13 UNITS. THE DEVELOPMENT CONSISTS OF SEMI-DETACHED AND DETACHED SINGLE-FAMILY HOMES NEWLY CONSTRUCTED IN 1996. THESE HOMES CONTINUE TO BE AFFORDABLE IN A COMMUNITY WHERE HOUSING PRICES HAVE TRADITIONALLY BEEN AMONG THE HIGHEST IN THE NATION. NWNH PURCHASED THE LIMITED PARTNERSHIP INTEREST IN 2013. THE DEVELOPMENT RECEIVED A CAPITAL GRANT FROM THE DEPARTMENT OF HOUSING IN 2016 AND REHABILITATED ALL UNITS. GUILFORD INTERFAITH MUTUAL HOUSING SCATTERED SITES THROUGHOUT GUILFORD 21 UNITS. DUE TO THE SUCCESS OF THE HUBBARD WOODS DEVELOPMENT, NWNH WAS INVITED BY THE GUILFORD INTERFAITH HOUSING CORPORATION TO DEVELOP 13 ADDITIONAL HOUSING UNITS AND TO ACQUIRE AND RENOVATE EIGHT OTHER SCATTERED SITE HOMES. THE PROJECT WAS COMPLETED IN 2000. GILBERT AVENUE/DERBY AVENUE MUTUAL HOUSING 145 -153 GILBERT AVENUE, NEW HAVEN, AND 80-82 DERBY AVENUE 14 UNITS NWNH REHABBED THREE BUILDINGS IN 2001, CREATING HOMES FOR TEN FAMILIES. THE PROPERTIES ARE CONTIGUOUS TO THE NEW WAY HORIZON MUTUAL HOUSING AND SHARE A PLAYGROUND WITH NEW WAY HORIZON. IN 2004, NWNH REHABBED FOUR MORE UNITS ON DERBY AVENUE IN THE WEST RIVER NEIGHBORHOOD. VALLEY MUTUAL HOUSING PERSHING DRIVE, ANSONIA 9 UNITS NWNH REHABILITATED THREE HOUSES AND PROVIDED AFFORDABLE UNITS WITH OFF STREET PARKING BY TEARING DOWN TWO OTHER HOUSES IN 2004. THE DEVELOPMENT HAS GONE THROUGH ENERGY EFFICIENCY AUDITS VIA THE HEALTHY HOMES INITIATIVE. RICHARD STREET MUTUAL HOUSING - RICHARD STREET, NEW HAVEN- 20 UNITS. OCCUPIED IN THE SECOND HALF OF 2005, THESE 2, 3 & 4 BEDROOM UNITS ARE IN REHABBED BUILDINGS ON ONE OF FAIR HAVEN'S QUIETER STREETS. IN 2014, THE LIMITED PARTNERSHIP INTEREST WAS PURCHASED BY NWNH. FUNDING IS BEING REQUESTED FROM THE STATE OF CONNECTICUT AND THE CITY OF NEW HAVEN TO UPDATE UNITS.RICHARD STREET II 7-9 & 15-17 RICHARD STREET, NEW HAVEN 6 UNITS OCCUPIED IN NOVEMBER 2010, RICHARD STREET II IS A CONTINUATION OF OUR RICHARD STREET DEVELOPMENT WHICH IS DESIGNED NOT ONLY TO PROVIDE MORE QUALITY AFFORDABLE HOUSING BUT TO ELIMINATE BLIGHT IN A BLOCK WIDE AREA ON THE APPROACH TO OUR PRESENTLY OCCUPIED RICHARD STREET DEVELOPMENT. FERRY MUTUAL HOUSING - FERRY STREET, NEW HAVEN 24 UNITS AND A FAMILY LEARNING CENTER IN DECEMBER 2006, 24 RESIDENT FAMILIES BEGAN OCCUPANCY, AND NWNH BEGAN HOSTING COMMUNITY MEETINGS, EVENTS, TRAININGS, CONFERENCES, AND SUPPORT GROUPS IN THE LEARNING CENTER. WILLOW MUTUAL HOUSING- 203-209, WILLOW STREET, 103, 105 & 126 CHESTNUT STREET AND 240-242, 244-246, 248, 252-254 WILLOW STREET. WATERBURY - 33 UNITS LOCATED IN THE HISTORIC OVERLOOK NEIGHBORHOOD, THIS SUBSTANTIAL REHAB BROUGHT 33 UNITS FROM SUB-STANDARD TO QUALITY HOUSING STOCK. INTERIORS FEATURE SKYLIGHTS, GRANITE COUNTERTOPS, AND BAY AND FLOOR TO CEILING WINDOWS THAT PROVIDE LIGHT, SUNNY VIEWS OF THE DOWNTOWN AREA IN THE VALLEY BELOW. IN 2023, THE PROPERTY UNDERWENT A LIGHT REHAB UPDATING HVAC SYSTEMS AND LARGE REPAIRS. KIRKHAM MUTUAL HOUSING - 63 KIRKHAM STREET, BRANFORD - 17 UNITS THIS SENIOR HOUSING DEVELOPMENT SITS AMID A RESTORED VICTORIAN ERA GARDEN MAINTAINED BY THE BRANFORD GARDEN CLUB. THE DEVELOPMENT PROVIDES SENIORS THE OPPORTUNITY TO "AGE IN PLACE." EACH UNIT HAS FEATURES THAT CAN BE RETROFITTED SHOULD THE RESIDENT BECOME DISABLED OR NEED LONG TERM CARE. SINKS AND VANITIES CAN BE LOWERED TO ACCOMMODATE WHEELCHAIRS, AND DOORWAYS ARE WIDE ENOUGH TO HANDLE HOSPITAL BEDS. CANTERBURY GARDENS- 537-545 SHERMAN PARKWAY, NEW HAVEN - 34 UNITS OCCUPIED IN 2009, THE DEVELOPMENT INCLUDES 9 SUPPORTIVE HOUSING UNITS WITH LEEWAY AS THE SERVICE PROVIDER. IT IS A TOWNHOUSE STYLE WITH NO COMMON AREAS EXCEPT THE LAUNDRY AND COMMUNITY ROOMS. BETH-EL MUTUAL HOUSING- 85 NEW HAVEN AVENUE, MILFORD - 5 UNITS FULL OCCUPANCY WAS ACHIEVED IN OCTOBER 2010. THE RESIDENTS ARE CLIENTS FROM THE BETH-EL CENTER, INC., WHERE EACH FAMILY RECEIVES VARIOUS SUPPORTIVE SERVICES. THE SITE NEEDED LARGE SCALE ENVIRONMENTAL REMEDIATION AFTER SOIL CONTAMINATION WAS FOUND DURING CONSTRUCTION. HIGHWOOD SQUARE 943-953 DIXWELL AVENUE, HAMDEN 27 UNITS OUR SECOND DEVELOPMENT FOR AFFORDABLE ARTISAN HOUSING, HIGHWOOD SQUARE, BEGAN ITS OCCUPANCY IN AUGUST 2011. IT SITS ON A 2.4-ACRE SITE THAT IS A MIX OF NEW CONSTRUCTION AND REHABILITATION OF EXISTING HISTORIC BUILDINGS INTO AN ARTS COMPLEX. THIS DEVELOPMENT HELPS THE ARTISAN COMMUNITY OBTAIN HOUSING AND HELPS THE TOWN OF HAMDEN FOCUS ON ITS REVITALIZING EFFORTS, AS THIS DEVELOPMENT ALSO CONSISTS OF 13 COMMERCIAL SPACES. FAIR HAVEN MUTUAL HOUSING LP NEW HAVEN 44 SCATTERED SITE UNITS & 3 COMMERCIAL SPACES. THIS DEVELOPMENT CONSISTS OF 6 BUILDINGS THAT WERE REHABILITATED, AS WELL AS 10 BUILDINGS OF NEW CONSTRUCTION. IN ADDITION, THREE COMMERCIAL AREAS ARE AT STREET LEVEL ON GRAND AVENUE. NWNH HAS PART
- $241,887 spent. COMMUNITY BUILDING AND ENGAGEMENTNWNH CONTINUES TO OFFER RESIDENT SERVICES TO FAMILIES AND INDIVIDUALS RESIDING IN NWNH-MANAGED UNITS. THE FOCUS IS TO CONNECT FAMILIES AND INDIVIDUALS TO EMPOWERMENT, HEALTH, FOOD PROVISIONS, EMPLOYMENT OPPORTUNITIES, FINANCIAL SERVICES, AND OTHER SOCIAL SERVICES TO IMPROVE THEIR QUALITY OF LIFE. NWNH ALSO FACILITATES YOUTH PROGRAMMING SUCH AS AFTER-SCHOOL AND SUMMER PROGRAMS THROUGH LEAP (LEADERSHIP EXCELLENCE, ATHLETIC, PROGRAM) AND JUNIOR ACHIEVEMENT. THE COMMUNITY PROGRAM MANAGER ALSO ASSISTS OUR RESIDENTS AND THE PROPERTY MANAGEMENT DEPARTMENT IN IMPROVING COMMUNICATION AND INTERVENING WHEN NECESSARY TO PROVIDE REFERRALS FOR ADDITIONAL SERVICES. THE COMMUNITY BUILDING STAFF HELD VIRTUAL PANEL DISCUSSIONS, BUDGET COACHING, AND FINANCIAL LITERACY WORKSHOPS. STAFF ALSO ASSISTED TENANTS AND LANDLORDS ELIGIBLE FOR THE STATE FUNDED RENTAL ASSISTANCE PROGRAM, KNOWN AS UNITECT, BY REVIEWING THE APPLICATIONS AND HANDLING THE RECERTIFICATION PROCESS FOR RETURNING APPLICANTS. IN ADDITION, NWNH STAFF HELPED SUPPORT CONTINUED VOLUNTEERISM IN THE COMMUNITY THROUGH ITS COMMUNITY VOLUNTEER PROGRAM, WHICH AWARDS A RENT CREDIT INCENTIVE TO RESIDENTS WHO VOLUNTEER AT LEAST 20 HOURS PER YEAR. NWNH CONTINUES A CONCERTED EFFORT THROUGH ITS EVICTION PREVENTION PROGRAM TO HELP RESIDENTS AVOID EVICTION AND PAY BACK BALANCES DUE ON THEIR RENT. STAFF ACCOMPLISHED THIS BY ENGAGING RESIDENTS IN MANAGEABLE PAYMENT PLANS, PROVIDING PERIODIC ON-SITE FINANCIAL WORKSHOPS, AND OFFERING ONE-ON-ONE BUDGET COACHING.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
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.
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.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since June 1993.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
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.