Habitat for Humanity of Bay County FL

What Habitat for Humanity of Bay County FL does

Habitat for Humanity of Bay County Florida, Inc. is a 501(c)(3) nonprofit affiliate of Habitat for Humanity International, established in late 1989 and headquartered at 2901 West 17th Street, Panama City, FL. The organization provides affordable homeownership opportunities to families earning between 35% and 70% of area median income through zero-interest mortgages and a sweat equity program requiring a minimum of 500 hours of homeowner labor before move-in. Homeowners' mortgage payments are recycled into the 'Fund for Humanity' to finance additional home construction, creating a self-sustaining capital loop rather than a profit mechanism. Since founding, the affiliate has served over 100 families in Bay County as documented in its 2024 Impact Report.

The organization's revenue model is diversified across four streams: individual and corporate donations, house sponsorships (anchored by Publix and Wells Fargo), ReStore thrift retail sales (at 1515 E 11th St., Panama City), and recycled zero-interest mortgage payments. Distribution and outreach run through a multi-step family application process (orientation, application packet, Family Selection Committee review, partnership agreement), a ReStore retail location that sells donated furniture, appliances, and building materials, a volunteer construction program with corporate groups (Latitude Garden, Cardella Construction, WoodmenLife, Panama City Toyota, Bay County Rotary), and online donations via habitatbay.org.

Core offerings include the Homeownership Program, ReStore, The Habitat Village (a new ground-up community of 15 single-family homes), and the Women Build program (annual women-led construction initiative supported in 2026 by BBIA, Merrill Lynch, Southern Coverage, and Renasant). The organization operates with 11 employees under Executive Director Angela Klopf, is governed by a local Board of Directors, and produces annual Impact Reports (2024 first edition, 2025 second edition). Technology footprint is limited to standard nonprofit management tools and a WordPress-based website; no proprietary platform, API, or AI/ML capabilities are disclosed.

Name

Habitat for Humanity of Bay County FL

Legal name

Habitat for Humanity of Bay County Florida, Inc.

Website

https://habitatbay.org

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Habitat for Humanity of Bay County is a 501(c)(3) nonprofit affiliate providing affordable homeownership in Panama City, FL to families earning 35-70% of area median income via zero-interest mortgages and 500-hour sweat equity, funded by donations, corporate sponsors, ReStore retail, and recycled mortgage payments.

Ownership category

akta.pro rank

Product category

Affordable Housing Services

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

Keywords

• Affordable housing construction
• Nonprofit housing ministry
• Zero-interest mortgages
• Homeownership programs
• Community housing development

Headquarters

HQ city

Panama City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Supply Chain, Others

Revenue model

1. Donations and Contributions: Individual donors, corporate sponsors, and community supporters contribute monetary donations to fund home construction and operations. Major corporate sponsors like Publix and Wells Fargo provide ongoing support.
2. ReStore Sales: The ReStore thrift operation sells donated building materials, furniture, appliances, and home goods to the general public. Proceeds support Habitat's mission of building affordable homes.
3. Mortgage Payments: Homeowners pay zero-interest mortgages which are recycled into the 'Fund for Humanity' to build additional homes. This creates a sustainable cycle of affordable homeownership.
4. House Sponsorships: Corporate sponsors like Publix and Wells Fargo sponsor specific homes, providing significant funding for individual house construction projects.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Habitat for Humanity of Bay County FL provides an affordable homeownership program that sells single-family homes at no profit via zero-interest mortgages to income-qualified families (35-70% of area median income), supported by a 500-hour sweat equity contribution and recycled mortgage payments that fund additional builds. The organization also operates the ReStore thrift retail outlet in Panama City and is developing The Habitat Village, a 15-home community build project.

Product overview

Habitat for Humanity of Bay County FL operates as a nonprofit affordable housing ministry offering a unified homeownership program. The organization provides zero-interest mortgages to income-qualified families (35-70% AMI) who complete sweat equity requirements. The core offering includes home construction, the ReStore retail donation center, and The Habitat Village development project. Programs include Women Build and mortgage payment processing for existing homeowners.

Differentiator

Problem solved

Functional benefit

Brands

• The Habitat Village: A new affordable housing initiative building a vibrant community with 15 single-family homes in Bay County.
• Women Build

Products and services

• Homeownership Program Affordable housing program providing zero-interest mortgages to families earning 35-70% of area median income. Homeowners complete sweat equity requirements and receive affordable homeownership opportunities.
• ReStore Retail thrift donation center at 1515 E 11th St., Panama City, FL, selling donated building materials, furniture, appliances, and home goods. Proceeds support Habitat's homebuilding mission.
• The Habitat Village Affordable housing initiative building 15 single-family homes in a new community development in Bay County from the ground up.
• Women Build Annual program providing opportunities for women to learn how to build or repair homes while serving their communities.
• Sweat Equity Program Mandatory homeowner participation program requiring a minimum of 500 hours of labor building homes and self-improvement activities before move-in.

Quantifiable outcome

• Over 100 families provided with affordable homeownership opportunities in Bay County since 1989
• +1 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor.

• Latitude GardenminorGTM or Marketing PartnerVolunteer group that has participated in active build projects, contributing labor and support to Habitat construction efforts.
• Cardella ConstructionminorGTM or Marketing PartnerLocal construction company volunteer group contributing to active build projects.
• WoodmenLife FL Ch. 406minorGTM or Marketing PartnerFraternal organization chapter that has provided volunteers for build projects.
• Panama City ToyotaminorGTM or Marketing PartnerLocal Toyota dealership that has provided volunteer support for construction projects.
• Bay County Rotary ClubsminorGTM or Marketing PartnerLocal Rotary clubs providing volunteer labor and community support for Habitat build projects.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• NeighborWorks America: National network supporting more than 240 affordable housing and community development nonprofits across the US. Comparable as a broader ecosystem player in the affordable housing nonprofit space that complements Habitat affiliates.
• Habitat for Humanity International: Global parent organization operating 1,500+ US affiliates and 550+ international affiliates under the same affordable homeownership and zero-interest mortgage model. Comparable as the overarching brand and standards-setter for Bay County's affiliate.
• Enterprise Community Partners: National nonprofit operating across affordable housing development, financing, and policy advocacy. Comparable mission focus with a broader national portfolio and capital-markets capabilities that extend beyond Habitat's grassroots construction model.

Direct peers

• Habitat for Humanity of Jacksonville: Florida Habitat affiliate serving the Jacksonville area with comparable homeownership program, ReStore operations, and volunteer-driven construction model. Strong structural overlap with Bay County's affiliate.
• Mercy Housing: National nonprofit affordable housing organization providing affordable rental and homeownership opportunities for low-income families. Comparable in mission focus, low-income family support, and nonprofit operating model.
• Rebuilding Together: National nonprofit focused on affordable housing preservation and rehabilitation for low-income homeowners. Comparable in volunteer-driven model, low-income homeowner support, and corporate partner mobilization.
• Habitat for Humanity Greater Orlando & Osceola County: Florida Habitat affiliate offering the same affordable homeownership, ReStore, and volunteer build programs in central Florida. Operates under the same parent model with comparable sponsor and volunteer ecosystems.
• Habitat for Humanity of Pinellas County: Florida Gulf Coast Habitat affiliate with overlapping service geography and similar climate-driven year-round construction dynamics. Direct comparable in mission, structure, and ReStore retail operations.
• Habitat for Humanity of Miami and the Keys: Another Florida-based Habitat affiliate operating the same zero-interest mortgage and sweat equity model in a different region of the state. Directly comparable in mission, funding sources, and program structure.
• Habitat for Humanity Hillsborough County FL: Florida Habitat affiliate with comparable scale and structure, operating homeownership and ReStore programs in the Tampa Bay region. Closely matches Bay County in program mix and funding model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@habitatforhumanitybaycountyfl
• Facebookfacebook.com/HabitatForHumanityBayCountyFL
• LinkedInlinkedin.com/company/habitat-for-humanity-of-bay-county-fl
• Instagraminstagram.com/habitatforhumanitybaycountyfl
• Pinterestpinterest.com/habitatforhumanitybaycountyfl

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Habitat for Humanity of Bay County FL