PROGRAMS
Home ownership, critical home repairs, and aging in place programs to effect positive change in our community and for those that live here.
critical
home repairs
Do You Qualify? Let’s Find Out.
To be eligible, families must show a financial need based on income. We use a standard called Area Median Income (AMI) to determine this. To qualify, your gross annual income must be at or below 80% of the AMI for your area.
Your income includes things like wages, Social Security, disability, and child support. However, benefits like SNAP (food stamps) and TANF are not counted.
Use the 2025 HUD Income Limits (AMI) links below to compare your income to the AMI for your location and see if you qualify!
NEED
Who Can Get Help with Home Repairs?
To qualify, you must:
You must own and live in your home in one of these places:
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City of Winchester
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Clarke County
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Frederick County
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Shenandoah County
Need Help with Repairs
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You need a home repair that you can’t afford or do on your own. This is not for emergency repairs—getting help may take some time.
Meet Income and Payment Rules
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Your total household income must be less than 60% of the average income for your area.
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You must be up to date on your mortgage (if you have one) and property taxes.
Be Ready to Work with Us
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You must be willing to partner with Habitat for Humanity.
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Many repairs are done by our amazing volunteers, so teamwork is important!
WILLINGNESS
One of Habitat’s founding principles is based on the homeowner demonstrating a willingness to partner, most commonly in the form of “sweat equity.” For our program, we realize that physical sweat equity is not always practical for the demographic we serve for repairs, so instead we ask for other partnership opportunities:
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Responsiveness to communication from BRHFH or subcontractors
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Presence at all BRHFH or subcontractor meetings, assessments, or work at the home
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Promotion of a pleasant work environment
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Offer of assistance, restroom facilities, or water to those working on the project
ABILITY
As part of our financial structure and program design, we do not currently operate a repayment program.
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Our programs are primarily structured to provide assistance, support, and resources to individuals or communities in need without the expectation of repayment.
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We aim to foster a culture of assistance and empowerment, where those we serve can access the help they need.
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We deliver meaningful solutions that respond to the real and pressing needs of our communities. By providing support that empowers rather than creates dependency, we offer a hand up—not a handout—helping individuals and families build a foundation for long-term stability and well-being.
home
ownership
Our homeownership program partners with working individuals and families to help them purchase their own homes with affordable mortgages. Our future homeowners are involved in every step of the home buying process - volunteering with our Team, getting to know our staff, and attending classes to becomes successful homeowners.
Willingness to Partner
All Habitat homeowners attend homebuyer education courses and invest sweat equity to prepare for the responsibility of homeownership.
Need
We partner with families who have low to moderate incomes and who are facing challenges such as overcrowding, high rent, unsafe conditions, frequent moves, or housing instability.
Ability to Pay
Future homeowners will pay affordable mortgage payments that are less than 30% of their gross monthly income.
2025 HUD Income Limits (AMI)
aging
in place &
veterans build
Blue Ridge Habitat for Humanity is offering older adults (62+) and Veterans the opportunity to apply for critical home repairs or accessibility modifications. We believe that everyone deserves the opportunity to age with dignity in their own home and community.
The Blue Ridge Habitat for Humanity Aging in Place (AIP) program makes accessibility, safety, energy efficiency and home improvements for seniors living in the City of Winchester and the counties of Frederick, Clarke and Shenandoah.
Our goal is to help seniors live in their own homes longer and maintain their independence and quality of life. If you can answer YES to ALL of the following criteria, please contact Blue Ridge Habitat for Humanity using the inquiry form.
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The homeowner or someone in the household is 62 years of age or older
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Willing to go through the Aging in Place screening interview with Blue Ridge Habitat for Humanity
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City of Winchester, Clarke, Frederick, or Shenandoah County resident
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Does not exceed the maximum income limit
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Able to provide proof of income
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Own the house and the land where the house is located
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Current on the mortgage (if applicable) and real estate taxes
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Have the ability to pay based on a sliding scale (grant/loan funding may be available depending on income and veteran status)
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Willing to partner with Blue Ridge Habitat for Humanity
current & completed
construction
CITY OF WINCHESTER
Blue Ridge Habitat for Humanity has completed 5 homes as part of Norris Village: Phase II in Winchester, Virginia.
SHENANDOAH COUNTY
Town of Strasburg
Construction of the 3 homes in Strasburg are complete and have closed. We are excited for the three families!
Mt. Jackson Home 1
This home is a modular house constructed by Triplett Tech CTE students and was placed on Shenandoah Street in Mt. Jackson. Video and marketing photos sponsored by First Bank.
Triplett Tech CTE students worked to complete a "stick-built" home in Mt. Jackson as part of their CTE training. Video and marketing photos sponsored by First Bank.
