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Habitat for Humanity International Inc

EIN 36-3363171 · Saint Paul, MN

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

LegitimacyPassesRegistration and standingFinancial healthFair53 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

TO CREATE, PRESERVE, AND PROMOTE AFFORDABLE HOMEOWNERSHIP IN THE SEVEN-COUNTY METRO AREA OF MINNEAPOLIS AND ST. PAUL.

Income
$41.7 million
Spending
$53.5 million
Spent on programs
83%
Reserves
10.8 months of spending
Largest source of income
donations and private grants, 51%
Employees
239
Volunteers
10,525
Highest pay
$447,344, president

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: 53 out of 100.

  • Reserves

    28 of 35

    Spendable reserves would cover 10.8 months of spending.

  • Debt

    10 of 20

    It owes 46% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 29% of income.

  • Income trend

    0 of 15

    Income fell 26% on the year before.

  • Spending floor

    15 of 15

    83% of spending went to programs and raising each dollar of donations cost 16 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

    30 of 30 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 (4)
  1. $31.3 million spent. CREATING HOMEOWNERSHIP: LOW- AND MODERATE-INCOME TWIN CITIES FAMILIES PARTNER WITH TWIN CITIES HABITAT FOR HUMANITY TO ACHIEVE STABLE, AFFORDABLE HOMEOWNERSHIP. TC HABITAT BUILDS AND REHABILITATES AFFORDABLE HOMES, AND OFFERS HOMEBUYING PROGRAMS AND SERVICES TO FIRST-TIME HOMEBUYER CLIENTS TO SET EACH UP FOR LONG-TERM SUCCESS THROUGH ONE-ON-ONE FINANCIAL COACHING, TRAINING COURSES, POST-PURCHASE SUPPORT, AND AN AFFORDABLE MORTGAGE THROUGH OUR SUBSIDIARY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION , TCHFH LENDING, INC. PHILANTHROPIC DONATIONS AND OTHER SUPPORT ENSURE THE MORTGAGE IS AFFORDABLE FOR THE HOMEBUYER. TC HABITAT WORKS WITH HOMEBUYERS AND HOMEOWNERS OF ALL BACKGROUNDS ACROSS THE TWIN CITIES 7-COUNTY METRO. ELIGIBILITY REQUIREMENTS VARY BY PROGRAM, WITH A FOCUS ON SUPPORTING CLIENTS WHO EARN LESS THAN 80% OF AREA MEDIAN INCOME. TC HABITAT IS AN EQUAL OPPORTUNITY EMPLOYER AND EQUAL HOUSING LENDER. MORE THAN 2,000 FAMILIES HAVE PURCHASED HOMES SINCE 1985. IN FY 2025, 455 FAMILIES/HOUSEHOLDS PARTICIPATED IN THE FIRST TIME HOMEBUYER PROGRAM. 120 FAMILIES WHO ACHIEVED HOMEOWNERSHIP, 53 HOUSEHOLDS WHO GRADUATED FROM FINANCIAL COACHING, AND 223 INDIVIDUAL WHO COMPLETED HOMEBUYER EDUCATION. THE ANNUAL FORECLOSURE RATE IS UNDER 1% THANKS TO DILIGENT WORK IN PREPARING FAMILIES AND PROVIDING POST-PURCHASE SUPPORT.
  2. $6.2 million spent. FINANCING HOMEOWNERSHIP: LONG-TERM MORTGAGE FINANCING IS A KEY COMPONENT THAT MAKES HOMEOWNERSHIP WITH TC HABITAT SUCCESSFUL. HABITAT BUILT OR REPAIRED HOMES ARE SOLD TO ELIGIBLE PARTNER FAMILIES. CLIENTS MAY ALSO CHOOSE TO FIND A HOME ON THE OPEN MARKET AND ACCESS AFFORDABLE HOME FINANCING THROUGH TCHFH LENDING INC., FOR DOWN PAYMENT, CLOSING COST ASSISTANCE, AND AN AFFORDABLE TRUEPATH MORTGAGE THAT ENSURES HOUSEHOLDS PAY NO MORE THAN 30% OF THEIR MONTHLY INCOME TOWARD HOUSING COSTS. IN FY 2025, 113 CLIENTS ACCESSED MORTGAGE FINANCING THROUGH TCHFH LENDING, INC.
  3. $778,183 spent. COMMUNITY ENGAGEMENT: TCHFH BRINGS TOGETHER A BROAD RANGE OF COMMUNITY VOLUNTEERS, SUPPORTERS, ADVOCATES, AND PARTNERS TO HELP CREATE, PRESERVE, AND PROMOTE AFFORDABLE HOMEOWNERSHIP. IN FY 2025 ABOUT 10,525 VOLUNTEERS GAVE A TOTAL OF 146,775 HOURS ON HABITAT BUILD SITES, HOME REPAIR PROJECTS, AT RESTORE OUTLETS, FOR ADVOCACY EFFORTS, AND MORE. ADDITIONALLY, 41 AMERICORPS MEMBERS SERVED MORE THAN 15,715 HOURS TO ADVANCE THE MISSION.
  4. $6.3 million spent. OTHER PROGRAM SERVICES: TC HABITAT AND ITS CDFI TCHFH LENDING, INC. USE DOWN PAYMENT ASSISTANCE SUPPORT TO HOMEBUYERS BY PARTICIPATING IN TWO REGION-WIDE DOWN PAYMENT ASSISTANCE PROGRAMS. CLIENTS OUTSIDE OF THE TC HABITAT HOMEOWNERSHIP PROGRAM RECEIVED DPA SUPPORT IN THE FORM OF FORGIVALBE AND REPAYABLE LOANS, AND POST-PURCHASE COACHING AND SAVINGS SUBSIDIES. THROUGH THESE PROGRAMS, 152 ADDITIONAL FIRST-TIME HOMEBUYERS WERE SUPPORTED IN PURCHASING THEIR FIRST HOME. PRESERVING HOMEOWNERSHIP FOCUSES ON HELPING EXISTING HOMEOWNERS REMAIN IN THEIR HOMES. A BRUSH WITH KINDNESS PROVIDES PAINTING AND HOME REPAIR SERVICES TO QUALIFYING LOW-INCOME HOMEOWNERS STRUGGLING TO MAINTAIN THEIR HOMES. PRIORITY IS GIVEN TO AGING HOMEOWNERS, VETERANS, THOSE WITH DISABILITIES, AND SINGLE PARENTS. A BRUSH WITH KINDNESS PARTNERED WITH 20 LOCAL HOMEOWNERS IN FY 2025. MORE THAN 2,000 PAINT AND REPAIR PROJECTS HAVE BEEN COMPLETED SINCE A BRUSH WITH KINDNESS WAS STARTED IN 1998. TC HABITAT ALSO PRESERVES HOMEOWNERSHIP THROUGH A MORTGAGE FORECLOSURE PREVENTION PROGRAM. THE PROGRAM SERVES HOMEOWNERS FACING FORECLOSURE BY PROVIDING HUD-CERTIFIED FORECLOSURE COUNSELING SUPPORT, FREE FINANCIAL REVIEWS AND REFERRALS. IT PUTS HOMEOWNERS ON A PATH TOWARD HOUSING AND FINANCIAL STABILITY. 140 CLIENTS RECEIVED MORTGAGE FORECLOSURE COUNSELING THROUGH THIS PROGRAM IN FY 2025.

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.