Sweat equity is the single most important strategy Habitat uses to empower future homeowner families and one of the features that sets us apart from other affordable housing providers.

Habitat uses the term “sweat equity” to refer to the hours of labor our homeowners dedicate to building their homes and the homes of their neighbors, as well as the time they spend investing in their own self-improvement. Habitat for Humanity of Bay County homeowners begin their sweat equity after being accepted into the program, and they must complete a minimum of 500 hours before they can move into their homes.

Sweat equity reduces the amount of paid labor needed for a house, which in turn helps reduce cost. Additionally, time spent building their own homes instills a sense of pride and ownership, teaching the basic building and house-maintenance skills that are necessary for home ownership.

Most importantly, by going beyond a mere financial investment in their property and performing sweat equity alongside other volunteers and neighbors, Habitat homeowners gain a greater sense of self-worth and become more personally invested in their community.

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

It was a pleasure to work with Habitat to become a homeowner. It has brought so many positive changes into my life. I never thought I’d be a homeowner. It’s the best feeling in the world! I rented for over 20 long years. I loved the hands on interaction helping to build. They also take the time to show you how to budget and understand the value of each dollar. It was al a dream and now REALITY! I love it! Thank you so much Habitat for Humanity of Bay County!

~ Valeria Jones 
Habitat Homeowner