Become a Homeowner

Who qualifies for a home?

Families who will qualify for a home are part of a complex selection process. To be eligible, you must meet the following four criteria:

1. Need

Your family must be living in either unsafe, unhealthy or overcrowded housing conditions or be spending a majority of your gross income on rent.

2. Willing to partner

Your family must be willing to volunteer 500 hours of sweat equity towards the construction of your home, in the ReStore or on other approved projects. You must participate in mentoring sessions and/or attend a series of workshops on home ownership.

3. Income Requirements

Your family must be able to afford a mortgage, be steadily employed and not have a huge amount of debt. Your entire family’s income from employment and/or long-term disability (e.g. ODSP) is considered. We are not able to accept families where social assistance (e.g. Ontario Works) or Employment Insurance are the only source of income. If your family has experienced bankruptcy, it must be discharged for at least 2 years.

Family Size

Minimum Income

Maximum Income

2 $25,848 $33,318
3 $28,432 $37,929
4 $31,276 $45,893
5 $34,403 $51,949
6 $37,843 $58,495
7 $41,628 $65,039

4. Local Resident

Families must currently be living or working for a minimum of 2 years in South Georgian Bay.
For those who meet the listed criteria, the next step is to complete the homeowner application. You can download this by clicking the button below. Alternatively, pick up an application at our ReStore (155 Sandford Fleming Drive, Collingwood, 705-446-9542), or contact us and we can send you one. Submit your completed, confidential application to:

Habitat for Humanity South Georgian Bay

Attention: Family Services “Confidential:  Application” 155 Sanford Fleming Drive Collingwood, Ontario L9Y 5A6