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Habitat for Humanity International Inc

EIN 35-1753977 · Bloomington, IN

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

LegitimacyPassesRegistration and standingFinancial healthStrong96 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

Habitat for Humanity of Monroe County, Inc (HFH) is a not-for-profit organization whose mission is to expand affordable housing opportunities by partnering with people in our community. Applicants qualify for Habitat's homeownership program by meeting three criteria: -Need for housing-All applicants demonstrate that they are currently living in substandard, unaffordable and/or overcrowded conditions. -Ability to pay-Applicants must be able to pay an affordable mortgage which is less than 30% of the household income. Household income should fall between 35-80% of the area median income. -Willingness to partner-Each non-dependent adult who will live in the Habitat home is required to invest a minimum of 250 hours of sweat equity. Sweat equity includes, but is not limited to, taking mandatory homeownership and financial readiness courses, volunteering on the construction site, and working in Habitat's ReStore.

Income
$8.5 million
Spending
$4.2 million
Spent on programs
90%
Reserves
30.8 months of spending
Largest source of income
government grants, 42%
Employees
41
Volunteers
1,400
Highest pay
$129,642, president & ceo

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

Strong: 96 out of 100. Higher than 89% of charities in its peer group (housing, $1m to $10m).

  • Reserves

    35 of 35

    Spendable reserves would cover 30.8 months of spending.

  • Debt

    16 of 20

    It owes 17% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 50% of income.

  • Income trend

    15 of 15

    Income rose 135% on the year before.

  • Spending floor

    15 of 15

    90% of spending went to programs and raising each dollar of donations cost 5 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. Higher than 70% of charities in its peer group (housing, $1m to $10m).

  • Independent board

    25 of 25

    15 of 15 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 (2)
  1. $3.3 million spent. Homeownership Program: Families in need of a decent place to live, build safe and affordable homes in partnership with Habitat for Humanity of Monroe County. Habitat houses are moderately sized; they are large enough for the homeowner 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 sizes modest, using donated construction materials and appliances, and financing its own loans, Habitat makes its houses affordable for low-income families to purchase. Owning an affordable home allows homeowners to lift up their entire family by saving for their futures, investing in educational opportunities, and supporting career growth. During fiscal year 2025, Habitat sold eight homes, financed with affordable mortgages and housing 25 individuals.
  2. $518,674 spent. Habitat ReStore is a home improvement store that collects new and gently used donated building materials, furniture, appliances, and other home goods and sells them to the general public at a discounted rate. The profits from ReStore sales go to support the work of Habitat for Humanity of Monroe County, while also diverting waste from the landfill.

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.