We are finalizing plans for our next development of 16 new homes on Cudjoe Key and plan to open the application period during the summer of 2019. Check out our Home Ownership Overview and Family Partner Selection Criteria for more information about the program. 


Habitat for Humanity of Key West and Lower Florida Keys, Inc. does not build houses FOR families; we facilitate a partnership with families who demonstrate need, the ability to pay the mortgage, and a willingness to partner with Habitat for Humanity. This partnership also engages community supporters who join the families in the home building process and provide both financial and in-kind support for building supplies and materials.  Homeowners invest hundreds of hours of their own labor, or “sweat equity,” into building their Habitat house and they pay back a no-profit, no-interest mortgage.

Habitat for Humanity of Key West and Lower Florida Keys, Inc. is committed to the development of decent, affordable homes. We also are committed to work with partner families to insure that the experience of long term home ownership is positive and successful. Families are trained and supported in a variety of skills, including: basic construction skills to assist in the building of their house; home maintenance skills; various home improvement skills; neighborhood involvement and cooperation skills; budgeting and consumer awareness skills; and others as necessary.

Anytime a Habitat home becomes available, Habitat for Humanity of Key West and Lower Florida Keys utilizes a Family Selection Team to facilitate the selection process for a Partner Family. The team believes and insists on nondiscriminatory family selection criteria for all potential homeowners. Race, color, ethnic origin, religion, sex and family composition are not factors considered in the selection process. Partner families are selected according to the following criteria:

A. You have a need for adequate housing.

  • Current housing is inadequate or too expensive
  • Unable to obtain a conventional mortgage

B. You have the ability to pay the Habitat mortgage.

  • Steady income within the guidelines below
  • No unpaid liens or judgments

C. You are willing to partner with Habitat.
Fulfill all partnership requirements for Habitat homeownership, such as:

  • Complete sweat equity
  • Participate in homeowner education classes
  • Contribute down payment
  • Live where Habitat is working


We have had the pleasure of working side-by-side with many families in the Lower Keys 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. We are excited about the future of Habitat for Humanity of Key West and Lower Florida Keys, and look forward to all of the new stories waiting to be written. With the recent completion of Bayside Landing, 45 working families have a home of their own in the lower Keys!


Equal Housing Opportunity Partner

We are pledged to the letter of and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation.

We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, national origin, age, marital status, sexual orientation, or sources of income.