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Peoples Self-Help Housing Corporation

EIN 95-2750154 · Sn Luis Obisp, CA

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

LegitimacyPassesRegistration and standingFinancial healthStrong90 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

WE BUILD AFFORDABLE HOMES WITH SITE-BASED SERVICES THAT OFFER OPPORTUNITIES TO CHANGE LIVES AND STRENGTHEN COMMUNITIES ON THE CENTRAL COAST OF CALIFORNIA.

Income
$27.0 million
Spending
$23.1 million
Spent on programs
80%
Reserves
31 months of spending
Largest source of income
fees for its services, 76%
Employees
152
Volunteers
94
Highest pay
$273,117, 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

Strong: 90 out of 100. Higher than 85% of charities in its peer group (housing, $10m to $100m).

  • Reserves

    35 of 35

    Spendable reserves would cover 31.0 months of spending.

  • Debt

    10 of 20

    It owes 47% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 14% of income.

  • Income trend

    15 of 15

    Income rose 26% on the year before.

  • Spending floor

    15 of 15

    80% 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

    12 of 12 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 (3)
  1. $4.4 million spent. AFFORDABLE HOUSING RENTAL PROGRAM - THE AFFORDABLE HOUSING PROGRAM PROVIDES HOUSING TO QUALIFIED LOW-INCOME HOUSEHOLDS, INCLUDING FAMILIES, SENIORS, FARMWORKERS, AND OTHER SPECIAL NEEDS GROUPS. PSHHC OWNS 929 AFFORDABLE RENTAL UNITS IN THREE COUNTIES, PROVIDING AFFORDABLE HOUSING TO OVER 2,646 LOW-INCOME RESIDENTS. PSHHC AFFORDABLE HOUSING UNITS PROVIDE HOUSING TO 160 DISABLED RESIDENTS, 206 SENIOR RESIDENTS, 45 VETERAN RESIDENTS AND THEIR FAMILIES AND 189 PREVIOUSLY HOMELESS RESIDENTS IN SAN LUIS OBISPO, SANTA BARBARA AND VENTURA COUNTIES. PSHHC BELIEVES THE AFFORDABLE HOUSING PROGRAM PROVIDES ECONOMIC AND EDUCATIONAL OPPORTUNITIES TO THE LOW-INCOME RESIDENTS; LEADING TO SELF-SUFFICIENCY AND IMPROVING LOCAL COMMUNITIES.
  2. $4.4 million spent. AFFORDABLE HOUSING, TENANT ASSISTANCE, RESIDENT SERVICES, FINANCIAL LITERACY AND YOUTH EDUCATION PROGRAMS - THE RESIDENT SERVICES AND RESIDENT EDUCATION PROGRAMS PROVIDE FOR LOW-INCOME SENIOR AND FAMILIES, COUNSELING AND AFTER SCHOOL TUTORING PROGRAM, HEALTH SCREENINGS, FINANCIAL LITERACY PROGRAMS, HOMEOWNERSHIP COUNSELING, FORECLOSURE COUNSELING, AND EMERGENCY FINANCIAL ASSISTANCE. THESE PROGRAMS ARE DESIGNED TO HELP LOW-INCOME PERSONS REMAIN HOUSED IN SAFE AND AFFORDABLE HOUSING, AND TO PROVIDE EDUCATIONAL OPPORTUNITIES. PSHHC'S YOUTH EDUCATION PROGRAM HAS 454 PARTICIPANTS AND 66 PARTICIPANTS IN THE COLLEGE CLUB PROGRAM THAT AWARDED 11 SCHOLARSHIPS FOR PARTICIPANTS ATTENDING COLLEGES. IN ADDITION, PSHHC SUPPORTIVE HOUSING PROGRAM ASSISTED 1,729 RESIDENTS WITH CLINICAL CASE MANAGEMENT SERVICES. AFFORDABLE HOUSING, TENANT ASSISTANCE, RESIDENT SERVICES, FINANCIAL LITERACY AND YOUTH EDUCATION PROGRAMS - THE RESIDENT SERVICES AND RESIDENT EDUCATION PROGRAMS PROVIDE FOR LOW-INCOME SENIOR AND FAMILIES, COUNSELING AND AFTER SCHOOL TUTORING PROGRAM, HEALTH SCREENINGS, FINANCIAL LITERACY PROGRAMS, HOMEOWNERSHIP COUNSELING, FORECLOSURE COUNSELING, AND EMERGENCY FINANCIAL ASSISTANCE. THESE PROGRAMS ARE DESIGNED TO HELP LOW-INCOME PERSONS REMAIN HOUSED IN SAFE AND AFFORDABLE HOUSING, AND TO PROVIDE EDUCATIONAL OPPORTUNITIES. PSHHC'S YOUTH EDUCATION PROGRAM HAS 454 PARTICIPANTS AND 66 PARTICIPANTS IN THE COLLEGE CLUB PROGRAM THAT AWARDED 11 SCHOLARSHIPS FOR PARTICIPANTS ATTENDING COLLEGES. IN ADDITION, PSHHC SUPPORTIVE HOUSING PROGRAM ASSISTED 1,729 RESIDENTS WITH CLINICAL CASE MANAGEMENT SERVICES.
  3. $9.8 million spent. AFFORDABLE HOUSING DEVELOPMENT - PSHHC MOVED 10 FAMILIES INTO HOMES IN NIPOMO, CA. WE STARTED 14 FAMILIES ON THEIR PATHS TO HOMEOWNERSHIP WITH FINANCIAL QUALIFICATIONS AND HOMEOWNER EDUCATION FOR NEW HOMES IN SAN MIGUEL, CA. FINAL MAP AND ENTITLEMENTS WERE APPROVED FOR 49 NEW HOMES IN SANTA MARIA, CA AND THE SAME PROCESSES WERE ADVANCED FOR 34 AFFORDABLE HOMES IN GREENFIELD, CA. PSHHC COMPLETED THE REHABILITATION OF A 65 UNIT AFFORDABLE FARMWORKER HOUSING PROJECT IN SANTA MARIA, CA, A 69 UNIT NEW CONSTRUCTION AFFORDABLE HOUSING PROJECT IN SANTA PAULA, CA, AND A 68 UNIT NEW CONSTRUCTION AFFORDABLE HOUSING PROJECT IN SAN LUIS OBISPO, CA. PSSHC CONTINUED CONSTRUCTION OF A 90 UNIT AFFORDABLE HOUSING PROJECT IN OXNARD, CA, AN 89 UNIT AFFORDABLE HOUSING PROJECT IN BUELLTON, CA, AND A 53 UNIT AFFORDABLE HOUSING PROJECT IN GROVER BEACH, CA. PSHHC BEGAN CONSTRUCTION OF A 57 UNIT AFFORDABLE HOUSING PROJECT IN VENTURA, CA AND THE FIRST PHASE OF REHABILITATION OF A 76 UNIT AFFORDABLE HOUSING PROJECT IN SAN LUIS OBISPO, CA. IN ADDITION TO THE EXPENDITURES SHOWN, ADDITIONAL COSTS OF 52,014 WERE CAPITALIZED AS PREDEVELOPMENT COSTS FOR AFFORDABLE RENTAL HOUSING AND SELF-HELP OWNERSHIP PROJECTS. AFFORDABLE HOUSING DEVELOPMENT - PSHHC MOVED 10 FAMILIES INTO HOMES IN NIPOMO, CA. WE STARTED 14 FAMILIES ON THEIR PATHS TO HOMEOWNERSHIP WITH FINANCIAL QUALIFICATIONS AND HOMEOWNER EDUCATION FOR NEW HOMES IN SAN MIGUEL, CA. FINAL MAP AND ENTITLEMENTS WERE APPROVED FOR 49 NEW HOMES IN SANTA MARIA, CA AND THE SAME PROCESSES WERE ADVANCED FOR 34 AFFORDABLE HOMES IN GREENFIELD, CA. PSHHC COMPLETED THE REHABILITATION OF A 65 UNIT AFFORDABLE FARMWORKER HOUSING PROJECT IN SANTA MARIA, CA, A 69 UNIT NEW CONSTRUCTION AFFORDABLE HOUSING PROJECT IN SANTA PAULA, CA, AND A 68 UNIT NEW CONSTRUCTION AFFORDABLE HOUSING PROJECT IN SAN LUIS OBISPO, CA. PSSHC CONTINUED CONSTRUCTION OF A 90 UNIT AFFORDABLE HOUSING PROJECT IN OXNARD, CA, AN 89 UNIT AFFORDABLE HOUSING PROJECT IN BUELLTON, CA, AND A 53 UNIT AFFORDABLE HOUSING PROJECT IN GROVER BEACH, CA. PSHHC BEGAN CONSTRUCTION OF A 57 UNIT AFFORDABLE HOUSING PROJECT IN VENTURA, CA AND THE FIRST PHASE OF REHABILITATION OF A 76 UNIT AFFORDABLE HOUSING PROJECT IN SAN LUIS OBISPO, CA. IN ADDITION TO THE EXPENDITURES SHOWN, ADDITIONAL COSTS OF 52,014 WERE CAPITALIZED AS PREDEVELOPMENT COSTS FOR AFFORDABLE RENTAL HOUSING AND SELF-HELP OWNERSHIP PROJECTS.

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? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, 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 July 1971.

    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.