218-751-4649
Homeownership
When you purchase a Habitat home, you will never pay more than 30% of your income on housing — and that includes your mortgage, property taxes, a utility allowance, and homeowners insurance. Our mission is to make affordable housing a reality for families right here in Bemidji and the surrounding area.
How to Apply
Northwoods Habitat for Humanity helps people become homeowners! The first step is to read our qualifying criteria and then setup a time to meet with us.
Are you eligible?
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Do you have a need for affordable housing?
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Can you demonstrate the ability to pay a mortgage?
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Are you willing to partner with Habitat to build your home and help us further our mission?
Income Guidelines
Median Income for Beltrami and Clearwater County is $92,200
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Single - At least $20,000 and less than $53,350
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Two People - At least $22,850 and less than $60,950
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Three People - At least $26,650 and less than $68,550
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Four People - At least $32,150 and less than $76,150
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Five People - At least $37,650 and less than $82,250
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Six People - At least $43,150 and less than $88,350
*Amounts are based on HUD's Section 8 income limits for very low income (50%) to low income (80%), subject to HUD changes.
Looking for more resources to become a homeowner?
Check out the following organizations:
Homebuyer's Blog
Reads stories from partner families and learn about how you too can own a home!
start here
Fill out the form and we'll setup a time to talk and walk you through the application process. We're here to support you in this exciting opportunity!
Call if you have questions: 218-751-4649
Our mission
Building simple, decent, affordable homes in partnership with God's people in need in Beltrami and Clearwater Counties.