• You must have lived or worked in Bay County for the past 12 months.
• You must be a US Citizen or Permanent Resident.
• If married, you must apply with your spouse.
• You must wait 2 years after foreclosure or bankruptcy has been finalized.


A volunteer Selection Committee consisting of Bay County citizens considers applications based on the following criteria:


• You do not already own a home.
• You are currently living in substandard housing which would include any of the following conditions:

– Home is in poor physical condition.

– Home is overcrowded.

– Rent is subsidized.

– Rent is more than 30% of income.

• Your household gross income is between 35% and 70% of the area median income.

Income (effective 2023)



Family Size

Min. Income

Max. Income 
























Note: Minimum income limits are for informational purposes only. Actual minimum income limits may be higher (determined by home selection and household debt load).

Ability to pay

• You have proof of at least 1 year of steady, verifiable, annual income. 
• You do not have any judgments or liens against you. 
• You do not have excessive debt or multiple accounts in collection
• You pay your rent on time.  

Willingness to partner with Habitat

• Contribute 500 hours of sweat equity
• Attend Habitat homeowner training classes. 
• Pay $1,000 towards closing costs. 
• Pay  first year’s homeowners insurance.  

We are dedicated to the success of our Habitat homeowners and to that end, have compiled a list of Homeowner Resources to help them. Using the skills they learn in the educational classes, and applying themselves diligently to making their mortgage payments every month, many of our homeowners pay off their mortgages. Habitat is here to help you succeed as a homeowner. From the moment you apply for the program until you pay off your Habitat mortgage, we work with you.  


Contact Us


Admin Office:

2901 W 17th St.
Panama City, FL 32405
(850) 784-9975


1515 E 11th St.
Panama City, FL 32405
(850) 257-5859

1636 Beck Ave.
Panama City, FL 32405
(850) 215-2289

Words can’t express what Habitat has meant to me and my family. It has allowed us to have a home,an actual home! I never thought I’d be able to afford to buy a home, but Habitat made it affordable and possible. They’ve provided my family with the AmericanDream when I felt it was a dream out of my reach. Thank you, Bay Habitat for allowing my dream to come true.

~ Joslynn Durant 
Habitat Homeowner