Habitat for Humanity International Inc
Public records show a registered, tax-exempt organization in good standing.
What it says it does
THE ORGANIZATION'S MISSION IS "SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE." IN FREDERICK, THAT MISSION DRIVES THE ORGANIZATION TO PARTNER WITH INDIVIDUALS AND FAMILIES WHO ARE IN NEED OF THE STRENGTH, STABILITY AND SELF-RELIANCE THAT COMES WITH AFFORDABLE HOME OWNERSHIP. HABITAT FOR HUMANITY OF FREDERICK COUNTY, MD PARTNERS WITH THESE LOCAL CITIZENS TO BUILD A NEW HOME, PURCHASE A NEWLY RENOVATED HOME THROUGH THE FREDERICK COUNTY AFFORDABLE HOUSING LAND TRUST, OR MAKE NECESSARY REPAIRS TO THEIR CURRENT HOME. IT IS THE BELIEF OF THE ORGANIZATION THAT EVERYONE DESERVES A DECENT PLACE TO LIVE.
- Income
- $2.1 million
- Spending
- $2.3 million
- Spent on programs
- 74%
- Reserves
- 2.3 months of spending
- Largest source of income
- donations and private grants, 71%
- Employees
- 24
- Volunteers
- 234
- Highest pay
- $114,746, executive di
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
Weak: 39 out of 100.
Reserves
10 of 35Spendable reserves would cover 2.3 months of spending.
Debt
5 of 20It owes 56% of what it owns.
Living within its means
4 of 15Spending exceeded income by 8% of income.
Income trend
5 of 15Income fell 19% on the year before.
Spending floor
15 of 1574% of spending went to programs and raising each dollar of donations cost 7 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: 90 out of 100.
Independent board
25 of 2511 of 11 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
0 of 10Did not give the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports 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 (5)
- $838,665 spent. HABITAT RESTORE: THOUSANDS OF TONS OF USEABLE BUILDING MATERIALS, HOUSEHOLD GOODS AND FURNITURE ARE DONATED TO THE HABITAT FOR HUMANITY RESTORE OF FREDERICK COUNTY, MD. NOT ONLY DO THESE DONATIONS KEEP THESE MATERIALS OUT OF LOCAL LANDFILLS BUT THE RESTORE IS ALSO ABLE TO RECYCLE AND SELL THESE DONATIONS BACK TO THE COMMUNITY. PROCEEDS FROM THESE SALES SUPPORT THE OPERATING EXPENSES OF THE ORGANIZATION SO THAT MORE HOMES CAN BE BUILT, RENOVATED AND REPAIRED FOR LOCAL CITIZENS WHO ARE IN NEED OF THE STRENGTH, STABILITY AND SELF-RELIANCE THAT COMES FROM AFFORDABLE HOME OWNERSHIP.
- $335,620 spent. HABITAT FOR HUMANITY OF FREDERICK COUNTY'S AWARD-WINNING LAND TRUST PROGRAM, THE FIRST OF ITS KIND IN MARYLAND, ALLOWS LOW- TO MID-INCOME APPLICANTS THE OPPORTUNITY TO PURCHASE A HOME WHILE THE ORGANIZATION RETAINS OWNERSHIP OF THE LAND. THIS MODEL REDUCES THE PURCHASE PRICE TO THE BUYER AND, THROUGH RESALE CLAUSES, ENSURES THE HOUSING UNITS WILL BE KEPT IN AFFORDABILITY IN PERPETUITY. RECENT OPERATIONS OF THIS PROGRAM FOCUSED ON INFRASTRUCTURE GROWTH IN PREPARATION FOR A LARGE-SCALE PROJECT IN THE CITY OF FREDERICK, MARYLAND. THE FREDERICK COUNTY AFFORDABLE HOUSING LAND TRUST (FCAHLT) ACQUIRED A LARGE GRANT FROM THE MARYLAND DEPARTMENT OF HOUSING & COMMUNITY DEVELOPMENT TO PURCHASE THREE BLIGHTED PROPERTIES. THE FCAHLT IS IN THE PROCESS OF REHABILITATING, RENOVATING AND BUILDING ON THE PROPERTIES IN ORDER TO MAKE 12 UNITS OF AFFORDABLE HOUSING AVAILABLE TO LOCAL FAMILIES. SUBSTANTIAL WORK BEGAN ON THIS PROJECT IN FISCAL YEAR 2022. HABITAT FOR HUMANITY OF FREDERICK COUNTY'S AWARD-WINNING LAND TRUST PROGRAM, THE FIRST OF ITS KIND IN MARYLAND, ALLOWS LOW- TO MID-INCOME APPLICANTS THE OPPORTUNITY TO PURCHASE A HOME WHILE THE ORGANIZATION RETAINS OWNERSHIP OF THE LAND. THIS MODEL REDUCES THE PURCHASE PRICE TO THE BUYER AND, THROUGH RESALE CLAUSES, ENSURES THE HOUSING UNITS WILL BE KEPT IN AFFORDABILITY IN PERPETUITY. RECENT OPERATIONS OF THIS PROGRAM FOCUSED ON INFRASTRUCTURE GROWTH IN PREPARATION FOR A LARGE-SCALE PROJECT IN THE CITY OF FREDERICK, MARYLAND. THE FREDERICK COUNTY AFFORDABLE HOUSING LAND TRUST (FCAHLT) ACQUIRED A LARGE GRANT FROM THE MARYLAND DEPARTMENT OF HOUSING & COMMUNITY DEVELOPMENT TO PURCHASE THREE BLIGHTED PROPERTIES. THE FCAHLT IS IN THE PROCESS OF REHABILITATING, RENOVATING AND BUILDING ON THE PROPERTIES IN ORDER TO MAKE 12 UNITS OF AFFORDABLE HOUSING AVAILABLE TO LOCAL FAMILIES. SUBSTANTIAL WORK BEGAN ON THIS PROJECT IN FISCAL YEAR 2022.
- $365,640 spent. HABITAT FOR HUMANITY OF FREDERICK COUNTY MD'S HOME REPAIR PROGRAM: BUILDS ON THE ORGANIZATION'S TRADITIONAL PARTNERSHIP MODEL USING GRANT AND DONOR FUNDS COMBINED WITH VOLUNTEER LABOR TO SERVE LOW-TO MODERATE-INCOME FREDERICK COUNTY HOMEOWNERS WITH HOME REPAIRS AND MODIFICATIONS. THIS PROGRAM FOCUSES ON IMPROVING QUALITY OF LIFE, MAINTAINING FINANCIAL STABILITY, AND KEEPING HOMES SAFE. EACH PROJECT UNIQUELY ADDRESSES THE NEEDS OF THE INDIVIDUAL HOMEOWNER(S). SERVICES CAN RANGE FROM MINOR REPAIRS TO THE INSTALLATION OF GRAB BARS, ACCESSIBILITY RAMPS, PLUMBING REPAIRS AND OTHER SAFETY MEASURES, ALL DESIGNED TO IMPROVE THE QUALITY OF LIFE IN THOSE HOMES, AND FOR SENIOR CLIENTS, TO ALLOW THEM MORE OPPORTUNITIES TO SAFELY AGE-IN-PLACE. IN FY25, 43 LOCAL HOMEOWNERS RECEIVED SERVICES THIS PROGRAM TO SOLVE OR IMPROVE SIGNIFICANT CHALLENGES THEY WERE FACING. HABITAT FOR HUMANITY OF FREDERICK COUNTY MD'S HOME REPAIR PROGRAM: BUILDS ON THE ORGANIZATION'S TRADITIONAL PARTNERSHIP MODEL USING GRANT AND DONOR FUNDS COMBINED WITH VOLUNTEER LABOR TO SERVE LOW-TO MODERATE-INCOME FREDERICK COUNTY HOMEOWNERS WITH HOME REPAIRS AND MODIFICATIONS. THIS PROGRAM FOCUSES ON IMPROVING QUALITY OF LIFE, MAINTAINING FINANCIAL STABILITY, AND KEEPING HOMES SAFE. EACH PROJECT UNIQUELY ADDRESSES THE NEEDS OF THE INDIVIDUAL HOMEOWNER(S). SERVICES CAN RANGE FROM MINOR REPAIRS TO THE INSTALLATION OF GRAB BARS, ACCESSIBILITY RAMPS, PLUMBING REPAIRS AND OTHER SAFETY MEASURES, ALL DESIGNED TO IMPROVE THE QUALITY OF LIFE IN THOSE HOMES, AND FOR SENIOR CLIENTS, TO ALLOW THEM MORE OPPORTUNITIES TO SAFELY AGE-IN-PLACE. IN FY25, 43 LOCAL HOMEOWNERS RECEIVED SERVICES THIS PROGRAM TO SOLVE OR IMPROVE SIGNIFICANT CHALLENGES THEY WERE FACING.
- $168,918 spent. HABITAT FOR HUMANITY'S NEIGHBORHOOD REVITALIZATION PROGRAM SEEKS TO SERVE THE COMMUNITY BY PROVIDING SAFE AND AFFORDABLE HOUSING TO THE LOCAL AREA. THIS IS BASED ON A FRAMEWORK THAT FOCUSES ON FIRST UNDERSTANDING THE CONCERNS OF COMMUNITY AND HABITAT STAKEHOLDERS, AND THEN EMPOWERING THESE GROUPS TO LEAD THE PROJECTS THEY WANT TO ACCOMPLISH. IN ADDITION TO INVOLVING HOMEOWNERS, VOLUNTEERS AND HABITAT STAFF MEMBERS THROUGH A VARIETY OF COMMUNICATION CHANNELS, THIS ALSO INVOLVES PARTNERSHIPS WITH COMMUNITY NONPROFITS, FAITH-BASED INSTITUTIONS, SCHOOLS, NEW AND LONGSTANDING NEIGHBORHOOD COALITIONS, LOCAL, COUNTY, STATE AND FEDERAL GOVERNMENT, AS WELL AS ADDITIONAL COMMUNITY LEADERS, TO ACHIEVE THEIR GOALS. IN ORDER FOR QUALIFIED INDIVIDUALS IN THE COMMUNITY TO KNOW ABOUT THE SERVICES OFFERED THROUGH HABITAT FOR HUMANITY OF FREDERICK COUNTY, MD AND ASSOCIATED COMMUNITY PARTNERSHIPS, THESE COMMUNICATION CHANNELS INCLUDE ATTENDANCE AT LOCAL EVENTS, PRINT AND VERBAL ADVERTISING, COMMUNITY-TYPE FORUMS, SOCIAL MEDIA SHARING AND MONITORING, LEGISLATIVE ADVOCACY, ETC. ONCE A CLIENT OR PROJECT HAS BEEN IDENTIFIED AS REQUIRING SUPPORT, HABITAT RELIES HEAVILY ON VOLUNTEERS TO PHYSICALLY PERFORM THE WORK NEEDED TO BUILD OR REPAIR THE HOMES OR COMPLETE THE ASSIGNED PROJECTS. THEREFORE, IT IS NECESSARY TO RECRUIT, SCREEN AND TRAIN LOCAL VOLUNTEERS. TOGETHER, THIS NEIGHBORHOOD REVITALIZATION PROGRAM WORKS SIMULTANEOUSLY WITH THE OTHER NECESSARY PARTS OF THE ORGANIZATION TO ACCOMPLISH ITS VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE.
- HABITAT FOR HUMANITY'S NEIGHBORHOOD REVITALIZATION PROGRAM SEEKS TO SERVE THE COMMUNITY BY PROVIDING SAFE AND AFFORDABLE HOUSING TO THE LOCAL AREA. THIS IS BASED ON A FRAMEWORK THAT FOCUSES ON FIRST UNDERSTANDING THE CONCERNS OF COMMUNITY AND HABITAT STAKEHOLDERS, AND THEN EMPOWERING THESE GROUPS TO LEAD THE PROJECTS THEY WANT TO ACCOMPLISH. IN ADDITION TO INVOLVING HOMEOWNERS, VOLUNTEERS AND HABITAT STAFF MEMBERS THROUGH A VARIETY OF COMMUNICATION CHANNELS, THIS ALSO INVOLVES PARTNERSHIPS WITH COMMUNITY NONPROFITS, FAITH-BASED INSTITUTIONS, SCHOOLS, NEW AND LONGSTANDING NEIGHBORHOOD COALITIONS, LOCAL, COUNTY, STATE AND FEDERAL GOVERNMENT, AS WELL AS ADDITIONAL COMMUNITY LEADERS, TO ACHIEVE THEIR GOALS. IN ORDER FOR QUALIFIED INDIVIDUALS IN THE COMMUNITY TO KNOW ABOUT THE SERVICES OFFERED THROUGH HABITAT FOR HUMANITY OF FREDERICK COUNTY, MD AND ASSOCIATED COMMUNITY PARTNERSHIPS, THESE COMMUNICATION CHANNELS INCLUDE ATTENDANCE AT LOCAL EVENTS, PRINT AND VERBAL ADVERTISING, COMMUNITY-TYPE FORUMS, SOCIAL MEDIA SHARING AND MONITORING, LEGISLATIVE ADVOCACY, ETC. ONCE A CLIENT OR PROJECT HAS BEEN IDENTIFIED AS REQUIRING SUPPORT, HABITAT RELIES HEAVILY ON VOLUNTEERS TO PHYSICALLY PERFORM THE WORK NEEDED TO BUILD OR REPAIR THE HOMES OR COMPLETE THE ASSIGNED PROJECTS. THEREFORE, IT IS NECESSARY TO RECRUIT, SCREEN AND TRAIN LOCAL VOLUNTEERS. TOGETHER, THIS NEIGHBORHOOD REVITALIZATION PROGRAM WORKS SIMULTANEOUSLY WITH THE OTHER NECESSARY PARTS OF THE ORGANIZATION TO ACCOMPLISH ITS VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE.
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
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.
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.
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.
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.
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.
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.
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