Home Builds

Habitat for Humanity is best known for its home build construction. In this program, staff and volunteers work alongside qualified home buyers as they build their own home. When construction is complete, the new homeowner purchases their home through a commitment fee and a low-interest rate loan, making it affordable for their budget.

Habitat for Humanity of Carroll County builds homes throughout the county. 

The application for our upcoming build in Taneytown is closed. 

Applicant Eligibility

To qualify for a Habitat for Humanity home, one must:

  1. Demonstrate a need for safe, affordable housing,
  2. Currently live or work in Carroll County (for a minimum of one year),
  3. Have the legal capacity to incur and demonstrated ability to repay a mortgage
  4. Commitment Fee of $500 (once approved) and
  5. For the upcoming build in Taneytown, we are partnering with the USDA Rural Loan Program. The USDA Program has different income guidelines than our in-house loans (see below) and also requires a credit score of 640 or above.
  6.  Perform “sweat equity”.  We require 250 hours of “sweat equity” for one applicant and 100 hours of each additional applicant before the purchase of the home.  Family size determines the total number of required hours. However, no construction experience or physical ability is required. Habitat for Humanity works with all partner families to train them in new skills within their abilities so that our homeowners can be successful in completing their sweat equity!

USDA Income Requirements

Family Size Minimum Income Limit Maximum Income Limit
1-4 $37,000 $79,900
5 or more $37,000 $105,450

 We build strength, stability, self-reliance and shelter.

Habitat for Humanity of Carroll County is pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout our service areas. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing based upon race, sex, familial status, physical or mental disability, color, religion, national origin, ancestry, presence of children, source of income, sexual orientation, gender, identity, age and family responsibilities.


Donate Your Stuff

Help Families Build Homes

FREE Donation Pickup Is Available Now

Donating your household and building items is easy and FREE, and it helps us build homes for families in Carroll County. Habitat for Humanity ReStores are nonprofit home improvement stores and donation centers that sell new and gently used furniture, appliances, home accessories, building materials and more to the public at a fraction of the retail price.