OwnYour home and the dreams that come with it.

Safety. Security. Confidence. Peace of mind. Knowing your family has a place to call home.

There are many benefits to affording your own home, and HabiJax is here to help make them happen.

So let’s get started. HabiJax’s core homeownership program sells affordable new and renovated homes to qualified buyers who meet our income requirements. Families also attend financial education classes to prepare them for long-term success. To qualify, all applicants must have lived or worked in Duval County for at least six months and must demonstrate the criteria listed below.

You MUST attend an Information Session in order to make the first step in the HabiJax program. Currently we have no sessions scheduled and are NOT accepting any new applications, however please continue to check back and we will post the next available date.

If you have any additional questions, please contact our Communications and Marketing Coordinator, Candace Johnson at (904) 208-6674.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing, including race, color, religion, sex, and handicap, marital or family status or national origin.


Are you eligible?


Ability to Pay Mortgage:

Monthly income must be between 35% and 80% of median income for Duval County (see chart to right) to meet routine expenses, maintain the house and make monthly mortgage payments. You must have lived or worked in Duval County for at least six months,have less than $1,000 in delinquent debt, and if you have a credit score, it must be above 620 (if no credit score, you will need to meet non-traditional credit guidelines).

If you are scheduled for a loan appointment, you will be required to pay $25 (1 applicant) or $35 (co-applicant) as an application fee. Checks, money order, or online payment is accepted.

Please use these websites to determine your credit eligibility:
Credit Karma*
*This reports scores from two of the three credit bureaus. If credit is pulled from all three credit bureaus, your score may vary.
Annual Credit Report (free once a year)**
**This will provide your credit report but not your credit score.
Check Free Score

Need for Housing (you only need to meet ONE of these criteria):

  • Living in an inadequate shelter due to problems with heating, water supply, electricity, etc.
  • Living in overcrowded conditions
  • Spending more than 40% of income on housing (rent + utilities)
  • Residing in a drug or crime-infested and unsafe neighborhood
  • Residing in Section 8 or Public Housing
  • Residence is not secured by an official lease agreement

Willingness to Partner:

For a successful relationship between HabiJax and potential homeowners, these obligations must be met by applicants:

  • Be willing to complete at least 300 hours of “sweat equity” (volunteer hours)
  • Accept a home in neighborhoods which HabiJax operates
  • Must make monthly mortgage payments (per agreement)
  • Participate and complete Homeownership Preparatory Training and Educational Workshops
  • Make a down payment of only 1% of the purchase price of the home


Use this calculator to determine if you meet our income requirements:

Online Calculator

2018 Monthly Gross Income for Duval County

(Your income must fall between the the two incomes for your family size. Income levels are effective April 1, 2018)

Family Size 35% Median 80% Median
One (1) $1,429 $3,263
Two (2) $1,633 $3,729
Three (3) $1,838 $4,196
Four (4) $2,042 $4,658
Five (5) $2,204 $5,033
Six (6) $2,367 $5,404
Seven (7) $2,533 $5,779
Eight (8) $2,696 $6,150