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Habitat for Humanity International Inc

EIN 31-1196894 · South Bend, IN

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

LegitimacyPassesRegistration and standingFinancial healthGood86 out of 100GovernanceStrong90 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVEYONE HAS A DECENT PLACE TO LIVE. HABITAT FOR HUMANITY OF ST. JOSEPH COUNTY ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT HAVE AN OFFER OF ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.

Income
$5.4 million
Spending
$4.6 million
Spent on programs
82%
Reserves
18 months of spending
Largest source of income
donations and private grants, 48%
Employees
40
Volunteers
1,483
Highest pay
$209,297, president &

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

Good: 86 out of 100. Higher than 78% of charities in its peer group (housing, $1m to $10m).

  • Reserves

    35 of 35

    Spendable reserves would cover 18.0 months of spending.

  • Debt

    16 of 20

    It owes 28% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 15% of income.

  • Income trend

    5 of 15

    Income fell 15% on the year before.

  • Spending floor

    15 of 15

    82% of spending went to programs and raising each dollar of donations cost 10 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: 90 out of 100. Higher than 51% of charities in its peer group (housing, $1m to $10m).

  • Independent board

    25 of 25

    16 of 16 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

    0 of 10

    Did not give 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 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 (2)
  1. $2.7 million spent. HOME OWNERSHIP, AGING IN PLACE, AND VETERANS PROGRAMS - FAMILIES IN NEED OF A DECENT PLACE TO LIVE IN SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNERS FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZE MODEST, AND USING DONATED CONSTRUCTION AND MATERIALS AND APPLIANCES, HABITAT MAKES ITS HOUSES AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE THE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF- RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESTING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND LONG-TERM CAREER GROWTH. DURING FISCAL YEAR 2024, HABITAT FOR HUMANITY OF ST. JOSEPH COUNTY WORKED ON 32 DIFFERENT CONSTRUCTION PROJECTS: WE COMPLETED AND CLOSED ON 6 HABITAT HOUSES; WE COMPLETED AND CLOSED ON 1 MARKET-RATE HOUSE; WE STARTED ON 8 ADDITIONAL HABITAT HOUSES AND CARRIED THEM OVER TO 2025; WE STARTED ON 2 ADDITIONAL MARKET-RATE HOUSES AND CARRIED THEM OVER TO 2025; WE COMPLETED 15 AGING IN PLACE PROJECTS FOR SENIORS OVER THE AGE OF 60. IN ADDITION, WE TITHED 21,000 TO SERVE INTERNATIONAL FAMILIES. 1,071 INDIVIDUALS WERE PROVIDED VOLUNTEER OPPORTUNITIES, RESULTING IN 4,794 VOLUNTEER HOURS. HOME OWNERSHIP, AGING IN PLACE, AND VETERANS PROGRAMS - FAMILIES IN NEED OF A DECENT PLACE TO LIVE IN SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNERS FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZE MODEST, AND USING DONATED CONSTRUCTION AND MATERIALS AND APPLIANCES, HABITAT MAKES ITS HOUSES AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE THE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF- RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESTING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND LONG-TERM CAREER GROWTH. DURING FISCAL YEAR 2024, HABITAT FOR HUMANITY OF ST. JOSEPH COUNTY WORKED ON 32 DIFFERENT CONSTRUCTION PROJECTS: WE COMPLETED AND CLOSED ON 6 HABITAT HOUSES; WE COMPLETED AND CLOSED ON 1 MARKET-RATE HOUSE; WE STARTED ON 8 ADDITIONAL HABITAT HOUSES AND CARRIED THEM OVER TO 2025; WE STARTED ON 2 ADDITIONAL MARKET-RATE HOUSES AND CARRIED THEM OVER TO 2025; WE COMPLETED 15 AGING IN PLACE PROJECTS FOR SENIORS OVER THE AGE OF 60. IN ADDITION, WE TITHED 21,000 TO SERVE INTERNATIONAL FAMILIES. 1,071 INDIVIDUALS WERE PROVIDED VOLUNTEER OPPORTUNITIES, RESULTING IN 4,794 VOLUNTEER HOURS.
  2. $1.0 million spent. THE ORGANIZATION OPERATED A "RESTORE", NONPROFIT HOME IMPROVEMENT STORE AND DONATION CENTER THAT SELLS NEW AND GENTLY USED FURNITURE, HOME ACCESSORIES, BUILDING MATERIALS, AND APPLIANCES TO THE PUBLIC AT A FRACTION OF THE RETAIL PRICE. THE RESTORE OPERATED TWO BOX TRUCKS THAT PROVIDED LARGE DONATION PICKUP SERVICES IN ST. JOSEPH COUNTY, FREE OF CHARGE, TO ASSIST OUR COMMUNITY IN THEIR EFFORTS TO DECREASE LANDFILL WASTE BY MAKING DONATING AND RECYCLING MORE EASILY ACCESSIBLE. ALL PROCEEDS ARE USED TO FURTHER THE ORGANIZATION'S MISSION. INDIVIDUALS WERE PROVIDED VOLUNTEER OPPORTUNITIES, RESULTING IN 1,108 VOLUNTEER HOURS. THIS INCLUDES COMMUNITY SERVICE WORKERS.

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

  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? 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 September 7, 2026.

  4. 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 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.

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