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Habitat for Humanity International Inc

EIN 94-3053687 · Oakland, CA

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

LegitimacyPassesRegistration and standingFinancial healthGood72 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

WE BELIEVE EVERYONE DESERVES A DECENT PLACE TO LIVE. BY BUILDING, PRESERVING, AND EXPANDING FAIR ACCESS TO AFFORDABLE HOMEOWNERSHIP, HABITAT PARTNERS WITH PEOPLE AND FAMILIES TO BUILD STRONG FUTURES ON THE FOUNDATION OF A STABLE HOME.

Income
$29.5 million
Spending
$31.3 million
Spent on programs
86%
Reserves
9.6 months of spending
Largest source of income
donations and private grants, 51%
Employees
105
Volunteers
3,092
Highest pay
$423,530, 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

Good: 72 out of 100. Higher than 67% of charities in its peer group (housing, $10m to $100m).

  • Reserves

    28 of 35

    Spendable reserves would cover 9.6 months of spending.

  • Debt

    10 of 20

    It owes 46% of what it owns.

  • Living within its means

    4 of 15

    Spending exceeded income by 6% of income.

  • Income trend

    15 of 15

    Income rose 66% on the year before.

  • Spending floor

    15 of 15

    86% of spending went to programs and raising each dollar of donations cost 10 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 44% of charities in its peer group (housing, $10m to $100m).

  • 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 (4)
  1. $17.7 million spent. BUILDING AFFORDABLE HOMES: HABITAT BUILDS AFFORDABLE HOMES FOR PEOPLE AND FAMILIES WITH LIMITED INCOMES (50%-120% AMI), THOSE WHO STRUGGLE TO GAIN A FOOTHOLD IN OUR HOUSING MARKET. OUR INNOVATIVE MODEL BUILDS PARTNERSHIPS WITH FAMILIES WHO GIVE "SWEAT EQUITY," VOLUNTEERS WHO GIVE TIME, AND DONORS WHO GIVE FINANCIALLY, AND WE LEVERAGE THESE CONTRIBUTIONS TO MAXIMIZE OUR IMPACT. THROUGH OUR PROGRAM, FAMILIES GAIN ECONOMIC STABILITY AND BUILD A FOUNDATION FOR THE FUTURE FOR THEMSELVES, THEIR CHILDREN, AND GENERATIONS TO COME. IN FISCAL YEAR 2025, HABITAT BUILT HOMES IN OAKLAND, WALNUT CREEK, SAN JOSE, AND HAYWARD. OUR FIVE-YEAR DEVELOPMENT PIPELINE INCLUDES 250 ADDITIONAL HOMES ACROSS OUR SERVICE AREA. REPORTED AMOUNTS EXCLUDE CONTRIBUTIONS AND GRANT SUPPORT.
  2. $5.0 million spent. HOME PRESERVATION: HABITAT'S HOME PRESERVATION PROGRAM PROVIDES CRITICAL REPAIRS TO HOMEOWNERS WITH EXTREMELY LIMITED INCOMES (15%-80% AMI), INCLUDING SENIORS, PEOPLE WITH DISABILITIES, AND MOBILE HOME COMMUNITY RESIDENTS. HABITAT PROVIDES GRANTS FOR MINOR REPAIRS, AS WELL AS LOW RATE, NO-PAYMENT LOANS FOR MAJOR PROJECTS, OFTEN MODIFYING A HOME FOR ADAPTIVE USE FOLLOWING A CHANGE IN THE CLIENT'S SITUATION. HABITAT ALSO PROVIDES CRUCIAL BUILDING ENVELOPE IMPROVEMENTS, SUCH AS ROOFING, UPGRADED ELECTRICAL, AND INSTALLATION OF HVAC SYSTEMS, SO CLIENTS CAN CONTINUE TO AGE IN PLACE AND LIVE IN THEIR HOMES SAFELY. IN FISCAL YEAR 2025, HABITAT REPAIRED 223 HOMES, SERVING OVER 358 INDIVIDUALS. REPORTED AMOUNTS EXCLUDE GRANT SUPPORT.
  3. $4.2 million spent. SUSTAINABLE BUSINESS RESTORE: HABITAT OPERATES THREE RESTORES IN OAKLAND, CONCORD, AND SAN JOSE THAT ACCEPT DONATIONS OF QUALITY NEW AND USED HOME IMPROVEMENT GOODS AND SELL THEM TO THE PUBLIC AT DISCOUNTED PRICES. RESTORES ARE SUSTAINABLE FOR THE PLANET AND FOR HABITAT DIVERTING OVER 15 MILLION POUNDS OF USABLE ITEMS FROM LANDFILL ANNUALLY AND REINVESTING ALL PROCEEDS IN OUR WORK TO BRING AFFORDABLE HOMEOWNERSHIP, FINANCIAL WELLNESS, AND SECURE, SUPPORTIVE SHELTER WITHIN REACH OF MORE PEOPLE AND FAMILIES WITH LIMITED INCOMES. REPORTED AMOUNTS EXCLUDE REVENUE FROM SALES OF DONATED GOODS
  4. $27,586 spent. HOUSING & FINANCIAL COUNSELING: HABITAT'S HUD-APPROVED HOUSING & FINANCIAL COUNSELING PROGRAM HELPS CLIENTS BUILD THE SKILLS AND HABITS THEY NEED TO SUCCESSFULLY TAKE ON THE RESPONSIBILITY OF HOMEOWNERSHIP AND ACHIEVE FINANCIAL WELLNESS. THE PROGRAM OFFERS SKILLS AND EDUCATION THROUGH ONE-ON-ONE COUNSELING WITH A HUD-CERTIFIED HOUSING COUNSELOR TO DISCUSS THEIR PERSONAL FINANCIAL ISSUES (I.E. CREDIT REPAIR, BUDGETING, SAVING, ETC.); GROUP CLASSES AND WORKSHOPS, INCLUDING THE FIRST-TIME HOMEBUYER CLASSES; AND AN ONLINE FINANCIAL EDUCATION CENTER WHERE CLIENTS CAN TAKE COURSES AT THEIR OWN PACE ON MANY FINANCIAL TOPICS FROM "OPENING A BASIC BANK ACCOUNT" TO "PREPARING FOR RETIREMENT." THE SERVICES ARE OPEN TO ANYONE, BUT TARGET LIMITED INCOME FAMILIES. IN FISCAL YEAR 2025, THE PROGRAM SERVED 1399 PEOPLE.

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.