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Free Donation Pick-up .... (352) 564-2300
Crystal River ReStore ..... (352) 564-2300
Inverness ReStore .......... (352) 341-1800
Administrative Office ...... (352) 563-2744
Habitat for Humanity of Citrus County Habitat for Humanity of Citrus County
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Habitat REstores
Two GREAT locations in Citrus County!
Store Hours: Tue-Sat 9am-5pm

7800 W. Gulf to Lake Hwy.
Crystal River, FL 34429
(352) 564-2300

3703 E. Gulf to Lake Hwy.
Inverness, FL 34453
(352) 341-1800

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Directors Message

Basic Requirements

• You must have lived or worked in Citrus County for the past 12 months. 

• You must be a US Citizen or Permanent Resident. 

• If married, you must apply with your spouse. 

• You must wait 2 years after foreclosure or bankruptcy has been finalized. 

 Family Selection Criteria

 A volunteer Selection Committee consisting of Citrus County citizens considers applications based on the following criteria:


• You do not already own a home. 

• You are currently living in substandard housing, which would include any of the following conditions:

     - Home is in poor physical condition. 

     - Home is overcrowded.

     - Rent is subsidized. 

     - Rent is more than 30% of income. 

• Your household gross income is between 35% and 80% of the area median income. 

 Income Eligibility (effective 04/2022)

Annual Gross Income Guidelines for Consideration of

HFHCC Partnership for Homeownership

(subject to change without notice)

 Family Size

Min. Income

Max. Income 








































Ability to pay

• You have proof of at least 1 year of steady, verifiable, annual income. 

• You do not have any judgments or liens against you. 

• You do not have excessive debt or multiple accounts in collection.

• You pay your rent on time. 

 Willingness to partner with Habitat

• Contribute a minimum of 350 hours of sweat equity hours.

• Attend Habitat homeowner training classes. 

• Pay $2,000 towards closing costs. 

Sweat Equity

Sweat equity is the single most important strategy Habitat uses to empower future homeowner families (partner families) and one of the features that sets us apart from other affordable housing providers.

Habitat uses the term “sweat equity” to refer to the hours of labor our homeowners dedicate to building their homes and the homes of their neighbors, as well as the time they spend investing in their own self-improvement. Habitat for Humanity of Citrus County partner families begin their sweat equity after being accepted into the program, and they must complete a minimum of 350 hours before they can move into their homes.

Sweat equity reduces the amount of paid labor needed for a house, which in turn helps reduce cost. Additionally, time spent building their own homes instills a sense of pride and ownership, teaching the basic building and house-maintenance skills that are necessary for home ownership.

Most importantly, by going beyond a mere financial investment in their property and performing sweat equity alongside other volunteers and neighbors, Habitat homeowners gain a greater sense of self-worth and become more personally invested in their community.

How To Apply

The first step toward homeownership is by reviewing the Homeowner Orientation Online at www.habitatcc.org. Call Family Services at 352-563-2744 or visit our office at 7768 W. Gulf to Lake Hwy, Crystal River, FL 34429 with any question. 

Applications can be picked up at the Habitat for Humanity Adminstration office Monday - Friday 9AM - 5PM.

$30 Credit report fee must be included with you Application.

Check or Money Order payable to HFHCC (No Cash)

Frequently Asked Questions

Are Habitat for Humanity homes FREE?

No. All Habitat for Humanity homeowners pay a small amount of closing costs when they have completed the program and all Habitat for Humanity homeowners will pay a monthly mortgage loan payment until the home is paid in full, usually after 20 to 30 years. One of the benefits of having a Habitat for Humanity home mortgage in Citrus County, Florida, is that our mortgage loans are 0% interest. Paying no interest on a home mortgage saves our homeowners hundreds of thousands of dollars over the life of their loan compared to getting a mortgage elsewhere.

Why aren't the home free?  I thought habitat homes were built with donated money, materials and volunteer labor. 

Some land is donated, some land Habitat for Humanity must buy. A few materials are donated to every home build; the rest Habitat for Humanity must buy. Some labor is volunteered; but some things only licensed & insured professional contractors such as electricians, plumbers, heating & cooling installers, and roofers must do. Cash donations and grants help pay for some of the costs, and selling the donations of gently used items at our ReStore helps pay for the rest. Habitat for Humanity could not exist without the generosity of our donors & volunteers. Our homeowners also play an important part in building more homes: as each new homeowner pays back the cost of building their home, they provide more money to Habitat for Humanity so that we can build more homes.

Are Habitat for Humanity homes available for rent?

No. Habitat for Humanity of Citrus County does not rent homes.

Does Habitat for Humanity provide emergency housing/shelter?

No. We recommend you contact your local Red Cross or United Way for emergency housing.

When and where are the Home Ownership Information Sessions held?

Typically, we hold "How to Become a Habitat Homeowner" orientation quarterly. We will announce in the local paper, local radio station, on our website and our Facebook page when we will be holding the next homeowner orientation session.  

Who can help with my sweat equity hours?

Each Partner Family must contribute a minimum of 350 "Sweat Equity" hours prior to the sale of the home to the family. Once a family completes 250 hours and pays half their closing cost they are eligible for lot assignment.  Each individual Partner Family  is responsible for 50 construction hours, 50 ReStore hours, and 26 Homebuyer Education hours, the remaining hours may be contributed by extended family & friends. However, each partner family must maintain a total of 20 hours a month until the closing on their home. Children in the Partner Family must be at least 18 years old to contribute sweat equity hours on the construction site, 16 years old for the Habitat ReStores and at least 10 years old and accompanied by a parent for sod lays. However, younger Partner Family children are also able to contribute sweat equity hours by earning good grades in school.

I know nothing about building a home. How am I going to be able to help on a job site? 

At each job site we have a Construction Director and/or a Site Supervisor who will instruct you in what needs to be done. Every job is important, even the cleanup. You will learn important skills for the upkeep of your home as well.

Will I immediately be able to move into my house when my hours and classes are complete?

Home availability depends on the building schedule. You may have to wait for your home to be built. First your home is completed, an appraisal is performed, and a Certificate of Occupancy must be issued by the local building inspector's office, and you can get a homeowners' insurance quote. Then we can begin the paperwork for closing on the sale of your home to you. This paperwork will take about 1 month to complete. Usually our homeowners are able to move into their homes on the day of (or shortly after) their closing paperwork is signed. The keys to the home are given to the homeowner(s) at their home dedication.

If I tell you how much money I make, can you tell me if I qualify for a Habitat house?

No. Your income is only part of the qualification process. First, we can NOT take any income information by telephone. You should only provide your income information when you submit a written application during our open enrollment periods. Second, Our Family Selection Committee reviews your entire completed application and performs a home visit to see your current living conditions in order to decide if you will qualify for our Home Ownership Program. We Income Guidelines posted on our website, which you can review. The minimum and maximum income shown is based on the number of people who will live in your home.

If I tell you how much money I make, can you tell me how much my house payment with Habitat would be?

No. First, we can NOT take any income information by telephone. You should only provide your income information at your scheduled application appointment. Second, when you become a homeowner, part of your monthly payment is based on how much your homeowners' insurance premium will be, and how much your property taxes will be. We do not know how much either of those things will cost until the home is built and the completed home is appraised. Finally, while your income is part of how much your payment will be, we also look at your debts and other financial matters as well as your household size when reviewing your application to see how much you can afford. We want each of our homeowners to be successful when repaying the mortgage on their home.

















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