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Selection Criteria

Selection Criteria

Blue Spruce Habitat uses three criteria to determine whether or not a family is ready to take part in the homeownership program.

  • Need.

    Families often need a home because their current housing isn't viable. It may be overcrowded, too expensive, structurally unsound, or located in a dangerous neighborhood.

  • Ability to pay.

    You must be able to afford a monthly mortgage payment. See the chart below for some guidelines.

  • Willingness to partner.

    Residency: Must have lived or worked in the area served by the affiliate for a period of at least one year during the past three years.
    Blue Spruce Habitat homeowners work on their own homes as well as homes for others.

Income Guidelines

Blue Spruce Habitat offers its program to families in specific income ranges, adjusted for the number of persons in your family. Income includes wages, SS, disability, SSI, TANF and child support. For our local Habitat, your total yearly gross household income must fall within the posted ranges below.

For more information contact us at

Family Size Minimum Maximum
One $24500 $56000
Two $28000 $64000
Three $31500 $72000
Four $35000 $80000
Five $37800 $86400
Six $40600 $92800
Seven $43400 $99200
Eight $46200 $105600
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