Citrus Heights Phase 4 Applications Now Open
Important Income Eligibility Information: This application round is for households earning between 60% and 80% of Area Median Income (AMI). Qualifying income ranges vary based on household size. View the income guidelines.
To view our orientation video and begin the online application process or download our application packet, please click here. The application packet is available on the orientation page.
To join our contact list to receive information about upcoming application rounds, events, and other services provided by our organization, please click here.
Future Habitat homeowners must meet three core qualifications:
1.Need for Adequate Housing
Families must be experiencing at least one of the following conditions in their current living situation:
2. Willingness to Partner
Applicants must be willing to act as a true partner with Habitat for Humanity of Greater Sacramento. Our partner families must sign a partnership agreement and agree to:
3. Ability to Pay
Applicants must have the ability to pay for the house. A mortgage is 30% of the homeowner’s gross monthly income and includes property taxes and insurance. Mortgages are fixed 30-year mortgages at 0% interest or 0% interest equivalent. For the current application round, an applicant’s income should fall within the following 60-80% of Area Median Income range based on household size.
Area Median Income Requirements (gross annual income)*
*Please note, total income includes income from all sources (employment, child support, SSI, Social Security, disability, retirement, pensions, and other benefits). Housing and Urban Development (HUD) income limits are valid from April 2026 to April 2027 and are anticipated to be adjusted in April 2027.
| SACRAMENTO COUNTY – 60% – 80% of the Area Median Income | ||
| Household Size | Minimum Income | Maximum Income |
| 2 | $59,520.00 | $84,100.00 |
| 3 | $66,960.00 | $94,600.00 |
| 4 | $74,400.00 | $105,100.00 |
| 5 | $80,340.00 | $113,550.00 |
| 6 | $86,310.00 | $121,950.00 |
| 7 | $92,250.00 | $130,350.00 |
| 8 | $98,220.00 | $138,750.00 |
Additional Requirements:
Loan application review and approval is made in compliance with Federal Credit Equal Opportunity Act and the Equal Housing Opportunity Act, and on an impartial basis.
Where is Habitat building?
Habitat homes are located throughout Sacramento County.
We build homes and communities where we can acquire land that makes development affordable to future homeowners. New homes are typically simple, contemporary, all-electric single family homes with some private outdoor space and a garage.
Click here to learn more about where we are building.
Questions about the homeownership program?
Please contact our Homeowner Services Department at Apply@HabitatGreaterSac.org
To stay informed on our next application period, please fill out the information request by clicking here.
Habitat for Humanity provides equal housing opportunity to all.