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Habitat for Humanity Inc

EIN 34-1864802 · Findlay, OH

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

LegitimacyCautionRegistration and standingFinancial healthStrong96 out of 100GovernanceGood83 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 everyone has a decent place to live.

Income
$3.4 million
Spending
$2.7 million
Spent on programs
87%
Reserves
12.3 months of spending
Largest source of income
donations and private grants, 63%
Employees
36
Volunteers
812

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

Strong: 96 out of 100.

  • Reserves

    35 of 35

    Spendable reserves would cover 12.3 months of spending.

  • Debt

    16 of 20

    It owes 16% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 19% of income.

  • Income trend

    15 of 15

    Income rose 0% on the year before.

  • Spending floor

    15 of 15

    87% 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

Good: 83 out of 100.

  • Independent board

    25 of 25

    17 of 17 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.

  • Independent check of accounts

    9 of 15

    Its accounts were reviewed or compiled by an independent accountant, but not audited.

  • 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 (7)
  1. $886,130 spent. (Code: 531390) Home Ownership (Building Program) - This program provides families in need of a decent place to live with safe and affordable housing in partnership with the organization. Habitat houses are modestly sized and large enough for the homeowner's needs but small enough to keep construction and maintenance costs affordable to the family. Each family provides a set number of Sweat Equity Hours during the construction process along with community volunteers and employing efficient building methods and keeping the house sized correctly keeping construction cost as low as possible which in turn makes its houses affordable to low-income families to purchase through no profit loans. Affordable homeownership helps create conditions that free households of instability, stress and fear and encourage self-reliance and confidence. During 2024 the organization provided new housing for 4 families.
  2. $621,964 spent. (Code: 455000) ReStore Operations - Includes miscellaneous donations, proceeds from sale of scrap, restocking & delivery fees from ReStore.
  3. $297,400 spent. Financial Opportunity Center (FOC) - This program provides counseling, financial counseling and employment coaching to help individuals achieve their goals. These goals can include increasing income, reducing expenses, building credit or acquiring assets such as becoming eligible to qualify for the Home Ownership program. FOC services are available to anyone, free of charge, and regardless of income, socioeconomic status, criminal history, recovery, etc.. In 2024 395+ clients were counseled or are currently enrolled in the program.
  4. $215,267 spent. Home Repair Program - The Home Repair Program is an outreach initiative that seeks to provide a wide range of opportunities for low to moderate income homeowners who are struggling to maintain their homes because of age, disability, family circumstances, or lack of sufficient income. Projects consist of interior and exterior repairs intended to alleviate critical health, life and safety issues or code violations. This program allows families to stay in their home due to disrepair. Homeowners will pay based on their income and that is the revenue that is reported.
  5. $353,435 spent. Mortgage Discounting & Amortization - Due to Habitat mortgages associated with the Home Ownership Program being non-interest bearing the mortgages per accounting regulations are required to be discounted for financial reporting purposes and the discounting is recorded as a program expense. The cumulative amount that has been discounted is amortized over the remaining life of the mortgages and this calculation is referred to as the mortgage amortization and is accounted for as a income item per accounting regulations.
  6. Vendor Rebates, Endowment Gain.
  7. Code 811000 Home Repair Program - Expenses = 215,267 and revenue = 9,124 The Home Repair Program is an outreach initiative that seeks to provide a wide range of opportunities for low to moderate income homeowners who are struggling to maintain their homes because of age, disability, family circumstances, or lack of sufficient income. Projects consist of interior and exterior repairs intended to alleviate critical health, life and safety issues or code violations. This program allows families to stay in their home and avoid the uncertainty, trauma, expense of moving or the potential to lose their home due to disrepair. Homeowners will pay based on their income and that is the revenue that is reported in 2024. Code 522922 Mortgage Discounting & Amortization - Expenses= $353,435 Revenues $99,421 Mortgage Discounting Expense - Due to Habitat mortgages associated with the Home Ownership Program being non-interest bearing the mortgages per accounting regulations are required to be discounted for financial Home Ownership Program being non-interest bearing the mortgages per accounting regulations are required to be discounted for financial over the remaining life of the mortgages and this calculation is referred to the mortgage amortization and is accounted for as a income item per accounting regulations. Code ???? Vendor Rebates - Expenses= $0.00 Revenues= $13,070 Vendor rebates & Endowment gain will be applied against future program expenses.

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? 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 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.

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.