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Habitat for Humanity Sarasota

Habitat for Humanity Sarasota is a grant for homebuyers in Sarasota County, Florida.

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The program asks for

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • 300 hours sweat equity required. 18-24 month process.
  • A home in Sarasota County

It doesn’t cover

  • Households above 60% of area median income
  • Homes outside Sarasota County

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

Income limit

60% of Sarasota County’s area median income

HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.

$109,700
Area median income, 4-person household (HUD, 2026)
Income limits in Florida

Where it applies

Sarasota County’s homes

  • 57.5% single-family
  • 10.1% townhouse
  • 4% 2–4 units
  • 20% 5+ units
  • 8.4% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$411,800

Sarasota County median home value

35.7%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in Sarasota County

How to apply

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Questions about this program

What is Habitat for Humanity Sarasota?

Habitat for Humanity Sarasota is a grant for homebuyers in Sarasota County, Florida. Habitat for Humanity Sarasota builds and sells affordable homes with 0% interest mortgages for eligible low-income families in Sarasota County. Sweat equity replaces down payment. Funding comes from Nonprofit.

Do you have to pay it back?

Habitat for Humanity Sarasota is structured as a grant, so it is not repaid. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity Sarasota is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. A homebuyer education course is required. 300 hours sweat equity required. 18-24 month process.

What are the income limits?

Habitat for Humanity Sarasota limits household income to 60% of the area median income, which varies by county and household size. Income generally 25%-60% AMI for Sarasota County. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Habitat for Humanity Sarasota can be used for Single Family.

Where does it apply?

Habitat for Humanity Sarasota serves homebuyers purchasing in Sarasota County, Florida.

How do you apply?

Applications for Habitat for Humanity Sarasota go through the administering agency, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Also for Sarasota County homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 87 programs for Sarasota County

Program terms are set by the administering agency and can change; confirm on the official site before you apply.