Home Ownership

Habitat for Humanity of the Middle Keys, Inc. is committed to the development of safe, decent, and affordable homes. We also are committed to work with and support partner families to insure that the experience of long term home ownership is positive and successful. We have had the pleasure of working side-by-side with many families in Marathon over the years. Our Partner Families are amazing people dedicated to working hard, helping themselves and others achieve the dream of purchasing and owning their own home. Each home has a story; each home has touched the lives of many people. Since 1991, we have made the dream of homeownership a reality for 39 wonderful families.

DO YOU QUALIFY? Partner Family Selection Criteria

Potential homeowners are selected based on the following criteria:

  1. A demonstrated need for adequate and affordable housing:
    Applicants must demonstrate that their present housing arrangement does not qualify as adequate. There are many facets to this portion of the application process. This criteria includes families that cannot purchase a home through a conventional mortgage due to the high cost of homes in the Middle Keys. Our main goal is to give hard working families in Marathon the opportunity to become home owners in our community.

  2. Ability to make monthly house payments:
    Partner families are families who cannot obtain conventional financing or decent, affordable housing, but have sufficient income to afford the monthly payments and other costs associated with Habitat home ownership.

    A partner family’s gross income is based on the TOTAL household income for all family members 18 years of age and over: public assistance, child support, alimony payments and funds obtained from the employment of ALL people living in the home will be included in the gross income.

  3. Willingness to partner:
    Families must show a genuine interest in the overall community reinvestment philosophy of Habitat for Humanity.

    Each family selected to purchase a home from Habitat for Humanity of the Middle Keys invests in the Habitat program by working 350 hours of “sweat equity” helping to build homes, helping at Habitat events, and other programs/organizations to benefit Habitat and the Marathon community.

If you have questions about becoming a homeowner, contact 305-743-9828.

2021 Maximum Income Limits (80% of Median Income)

# People
in the Home
Single Adult Married/Domestic Partners
1 $56,950 N/A
2 $65,100 $86,800
3 $73,250 $97,667
4 $81,350 $108,467
5 $87,900 $117,200
6 $94,400 $125,867
7 $100,900 $134,533