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Habitat for Humanity International Inc

EIN 22-3661840 · Toms River, NJ

Public records raise at least one point you should look into before giving.

LegitimacyCautionRegistration and standingFinancial healthFair60 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

The mission of Northern Ocean Habitat for Humanity is to transform lives in our community by building and repairing homes in partnership with the families we serve. Our vision is a world where everyone has a safe, affordable, and decent place to call home.

Income
$2.9 million
Spending
$3.5 million
Spent on programs
83%
Reserves
4.1 months of spending
Largest source of income
donations and private grants, 71%
Employees
33
Volunteers
294
Highest pay
$87,975, executive dir.

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

Fair: 60 out of 100.

  • Reserves

    20 of 35

    Spendable reserves would cover 4.1 months of spending.

  • Debt

    10 of 20

    It owes 44% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 20% of income.

  • Income trend

    15 of 15

    Income rose 13% on the year before.

  • Spending floor

    15 of 15

    83% of spending went to programs and raising each dollar of donations cost 3 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

    12 of 12 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. $1.1 million spent. ReStore-Northern Ocean Habitat for Humanity ReStore operates a 15,000-square-foot nonprofit retail store in Toms River, New Jersey, providing low-cost home furnishings and construction materials to the community and accepting purchase vouchers from the Ocean County Board of Social Services. The ReStore functions as a social enterprise, averaging approximately 3,200 sales transactions per month, with net proceeds supporting the organization's affordable home construction and critical home repair programs. In 2025, the ReStore expanded community engagement through a Facebook inventory group with more than 11,000 members and advanced environmental sustainability by diverting approximately 665 tons of reusable materials from landfills.
  2. $907,747 spent. Home Repair Program - Northern Ocean Habitat for Humanity's Home Repair Program provides critical health, safety, and accessibility repairs for low-to-moderate income homeowners, with a focus on seniors, veterans and households facing age, disability or financial related challenges. ADA accessibility modifications are delivered through the organization's Aging in Place Program, helping older adults and individuals with disabilities safely remain in their homes. The program partners with homeowners to preserve safe, stable housing and prevent displacement by addressing interior and exterior life-safety issues, code violations, and habitability concerns. Repairs are completed through a combination of volunteer labor and licensed subcontractors under the direction of Northern Ocean Habitat construction staff. Since program inception has completed over 450 critical home repairs.
  3. $898,830 spent. Affordable Homeownership Program - Northern Ocean Habitat for Humanity's Affordable Homeownership Program provides low-to-moderate-income families with the opportunity to achieve safe, stable, and affordable homeownership through affordable mortgage financing. The program develops and rehabilitates homes in partnership with qualified families and is carried out with the support of volunteers and community members who assist in the construction process. Construction costs are offset through donated labor and materials, as well as community donations and grant funding. Since 2002, the organization has completed 24 affordable homes, helping families reduce housing cost burden and achieve greater housing stability.

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 September 7, 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 September 30, 2026.

  3. Are donations tax-deductible? Caution.

    Not 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 September 10, 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 September 7, 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 September 7, 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 7, 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.