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Habitat for Humanity International Inc

EIN 81-0467791 · Missoula, MT

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

LegitimacyPassesRegistration and standingFinancial healthFair63 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

Points to look into

  • Raising each dollar of donations cost 53 cents.

These come from the organization's own tax return. There may be a good explanation; ask the charity.

What it says it does

HABITAT FOR HUMANITY OF MISSOULA IS A NONPROFIT, ECUMENICAL, CHRISTIAN HOUSING MINISTRY DEDICATED TO THE ELIMINATION OF POVERTY HOUSING IN OUR COMMUNITY AND THROUGHOUT THE WORLD.

Income
$740,008
Spending
$1.0 million
Spent on programs
74%
Reserves
10.9 months of spending
Largest source of income
fees for its services, 35%
Employees
16
Volunteers
600
Highest pay
$73,650, executive director

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: 63 out of 100.

  • Reserves

    28 of 35

    Spendable reserves would cover 10.9 months of spending.

  • Debt

    20 of 20

    It owes 13% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 37% of income.

  • Income trend

    15 of 15

    Income rose 47% on the year before.

  • Spending floor

    0 of 15

    74% of spending went to programs and raising each dollar of donations cost 53 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

    6 of 6 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. $285,601 spent. OTHER PROGRAM SERVICE EXPENSES OF $285,601 AND REVENUE OF $240,929 ARE THE PROGRAM RELATED EXPENSES AND REVENUE THAT ARE NOT INCLUDED IN THE CONSTRUCTION COSTS OR MORTGAGE DISCOUNT EXPENSES. THESE EXPENSES ARE CRUCIAL FOR THE MISSION AND GOALS OF THE ORGANIZATION. SEE PART IX FOR A BREAKDOWN OF THESE EXPENSES. THE REVENUE IS RENTAL INCOME OF $9,865 GRANTS AND CONTRIBUTIONS OF $231,064.RENTAL INCOME IS THE RESULT OF RENTAL OF PURCHASED LAND TO TENANTS AT AFFORDABLE RATES. THIS IS LAND THAT THE ORGANIZATION HAS PLANS TO BUILD ON IN LATER YEARS, BUT DOES NOT CURRENTLY HAVE THE FUNDING TO BEGIN CONSTRUCTION ON.
  2. $261,687 spent. HABITAT RESTORE OPERATIONS FOR FY 2025 RESULTED $250,943 IN SALES AND $261,687 IN EXPENSES FOR NET LOSS OF $25,856.
  3. $198,191 spent. CONSTRUCTION COSTS: HABITAT MISSOULA CONTINUED CONSTRUCTION OF ITS FIRST MULTIFAMILY TRIPLEX BUILDING IN FY 2025. CONSTRUCTION COSTS INCLUDE PURCHASED AND DONATED MATERIALS, PURCHASED AND DONATED PROFESSIONAL SERVICES, AND THE COST OF A SITE SUPERVISOR. CONSTRUCTION COSTS DO NOT INCLUDED DONATED LABOR FOR MORE THAN 600 VOLUNTEERS WORKING ON SITE DURING THE CONSTRUCTION SEASON. THE OFFSETTING REVENUE IS FROM THE SALE OF THE HOME TO A LOW-INCOME FAMILY. SECOND MORTGAGES, WHICH REPRESENT THE DIFFERENCE BETWEEN THE COSTS OF HOMES AND THEIR FAIR MARKET VALUES AT CLOSING, ARE NOT INCLUDED IN THE HOUSE SALE REVENUE. AS THE SECOND MORTGAGES ARE CONTINGENT RECEIVABLES, FAS 5, #83 REQUIRES THAT THE SECOND MORTGAGES ARE RECORDED ONLY IF AND WHEN THEY BECOME COLLECTIBLE. IF THE PARTNER FAMILIY HOLDS ONTO THE HOME LONG ENOUGH, THE SILENT MORTGAGE WILL BE FORGIVEN.
  4. MORTGAGE DISCOUNT EXPENSE: OUR LOW-INCOME PARTNER FAMILIES ARE ABLE TO AFFORD OUR HOMES PRIMARILY BECAUSE WE CHARGE NO INTEREST ON OUR MORTGAGES. AS WE ARE LOANING MONEY BELOW THE MARKET RATE, THERE IS AN ECONOMIC COST TO OUR ORGANIZATION. ACCORDING TO ACCOUNTING PRINCIPLES BOARD 21, AN ALLOWANCE IS CREATED BY DISCOUNTING THE MORTGAGES BASED UPON THE CURRENT MARKET INTEREST RATE OF SIMILAR MORTGAGES AT THE TIME OF CLOSING, AS DETERMINED BY HABITAT INTERNATIONAL. THE MORTGAGE RECEIVABLE DISCOUNTS ARE AMORTIZED OVER THE LIFE OF THE MORTGAGES. THERE IS NO EXPENSE REPRESENTING THE DISCOUNTS CREATED OVER THE LIFE OF THE MORTGAGES FOR 2025. THE REVENUE OF $31,945 IS THE AMOUNT OF DISCOUNT AMORTIZATION ON ALL OF OUR MORTGAGES FOR 2025, INCLUDING AMORTIZATION RECOGNIZED EARLY DUE TO EARLY REPAYMENT OF MORTGAGES SUBSEQUENT TO HOMEOWNERS SELLING THEIR HOMES.

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 November 6, 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 November 4, 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.