Every family deserves a solid foundation for a brighter future.

Purchasing a Habitat for Humanity home in Northwest Michigan, specifically in Emmet and Charlevoix counties, isn’t just buying a house; it’s investing in your family’s future. Our homes provide more than just shelter; they offer the foundation for a brighter, more secure life. When you choose to make a Habitat for Humanity house your home, you’re not only making a sound financial decision, but you’re also joining a community that believes in your success. Our homes are built with quality, care, and affordability in mind, ensuring that you have a safe and stable place to grow and thrive right here in Northwest Michigan. With us, you’re not just buying a house; you’re building a brighter future for your family in Emmet and Charlevoix counties. Explore the opportunity to own a Habitat for Humanity home and make an investment that truly matters in Northern Michigan.

It Pays to OWN

When you receive the keys to your new home, you will see the surprising benefits of safe, decent, and affordable shelter.


Owning a home allows households to plan for the future. Without the worry of increasing rent costs, homeowners have the financial freedom to invest in other needs such as security, transportation, health care.


Our Home Ready program partners with lenders to create affordable mortgage products for our community. Affordable mortgages eliminate barriers that make homeownership unattainable in the open market such as interest rates, down payments, and unaffordable closing costs. Our Home Ready program ensures homeowners don’t pay more than 30% of their income towards their housing costs.


Your home is a place to call your own. This means you can make it exactly what you need to thrive. With Habitat, you’ll own the home and the land that is sits on which allows you to make changes and additions to your home to make it suit your needs.

Do I Qualify?

All Home Ready Program Partners Must:

  • Live OR work in Emmet or Charlevoix Counties
  • Must receive mortgage approval of at least $190,000
  • Complete homebuyer education courses
  • Pledge to complete 200 hours of sweat equity within 2 years of purchasing the home
  • Must have reliable income
  • Fall below the income caps displayed here

Charlevoix County

Emmet County

Income Examples

Examples of people who might qualify for a Habitat Home in Emmet County
AMI Income Guidelines vary slightly for Charlevoix County

Apply for our Home Ready Program!

Today is the day for you to begin your journey to homeownership! To get started:

Do You Have Questions?

Email: [email protected]
Call: (231) 348-6926
Visit: 1840 M-119 Unit 1, Petoskey, MI 49770