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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.

If you are in need of immediate housing assistance, please contact the United Way at 211.

We are NOT currently accepting new HabiJax Homeownership Program Applications. Please continue to check this website and our social media for updates.

Are you eligible?

For initial qualification homebuyers must demonstrate the criteria listed below. If you are married, you must submit the form with your spouse. We cannot accept your interest form if you are separated.

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 200 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

Ability to Pay Mortgage:

Monthly income must be between the ranges below for your household size (when you move into the house) to meet routine expenses, maintain the house and make affordable monthly mortgage payments. You must have worked in a full-time job at least 1 year or a part-time job for at least 2 years, have less than $500 in delinquent debt, and if you have a credit score, it must be a 640 or above (if no credit score, you will need to meet non-traditional credit guidelines).

2022 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, 2022)

  • Household
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • Minimum Monthly Income
  • $2,442
  • $2,788
  • $3,138
  • $3,483
  • $3,763
  • $4,042
  • $4,321
  • $4,600
  • Maximum Monthly Income
  • $3,904
  • $4,463
  • $5,021
  • $5,575
  • $6,025
  • $6,471
  • $6,917
  • $7,363

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

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.

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.