Habitat for Humanity Choptank

What Habitat for Humanity Choptank does

Habitat for Humanity Choptank is a 501(c)(3) nonprofit affordable housing organization founded in 1992, headquartered in Trappe, Maryland, and operating as a local affiliate of Habitat for Humanity International. It serves low-income families and homeowners in Dorchester and Talbot Counties on Maryland's Eastern Shore, delivering three core programs: a Homeownership Program (partner families contribute 300–400 sweat equity hours and complete financial education, then assume 30–33 year mortgages capped at 30% of gross monthly income); a Home Repair Program providing critical health and safety repairs funded by the Helping Hands Revolving Loan Fund (zero-interest, sliding-scale repayment up to 80% of HUD Area Median Income); and a Neighborhood Revitalization initiative operating multi-home projects such as Brooks Lane in St. Michaels and the Camper Street Neighborhood Project in Cambridge. Supporting infrastructure includes a community Tool Lending Library and an AARP Foundation "Here to Stay" aging-in-place workshop series for which the affiliate is one of only three selected nationwide.

Revenue mechanics are typical of a mid-sized Habitat affiliate: diversified contributions from individuals, corporate sponsors (Hope Builders Program, $500–$7,500+ tiers), employer matching gifts, foundation grants (including a transformational $2.5M unrestricted gift from MacKenzie Scott in March 2022 and $750K from FHLBank Atlanta), Maryland Community Investment Tax Credits (50% state tax credit on gifts of $500+), IRA Qualified Charitable Distributions, planned giving, and a Cars for Homes vehicle donation program. A secondary earned-revenue stream comes from the Habitat ReStore, a retail outlet in Easton, MD selling donated building materials, furniture, and appliances at discounted prices Tuesday–Saturday. The organization employs 13 staff, led by Executive Director JoAnn Hansen, supplemented by AmeriCorps members and a substantial volunteer base, and is governed by a Board of Directors with significant finance, housing, and civic leadership representation.

The underlying technology is intentionally low-tech and human-capital-intensive: traditional volunteer-led stick-built construction augmented by modular home construction (reducing build time from ~12 to under 6 months), physical retail at the ReStore, and standard nonprofit digital infrastructure (website, newsletter, online auction and donation platforms). In 2022 the organization achieved HUD Certified Housing Counseling Agency status, formalizing its housing counseling service line and unlocking additional federal and state funding channels. Since inception the organization has placed 99+ families into homes and completed critical repairs for 270+ qualifying homeowners across the two-county service area.

Name

Habitat for Humanity Choptank

Legal name

Habitat for Humanity Choptank Inc.

Website

https://habitatchoptank.org

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Habitat for Humanity Choptank is a 501(c)(3) nonprofit founded in 1992 that builds affordable homes, delivers critical home repairs, and revitalizes neighborhoods for low-income families in Dorchester and Talbot Counties, Maryland, funded primarily through donations, foundation grants, and a ReStore retail operation.

Ownership category

akta.pro rank

Product category

Affordable Housing Services

NAICS

Community Housing Services (62422)

SIC

Services-Social Services (8300)

akta.pro primary industry

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

Keywords

• Affordable housing construction
• Home repair services
• Homeownership financing
• Nonprofit housing programs
• Community revitalization

Headquarters

HQ city

Trappe

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Supply Chain, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Individual Donations: Direct donations from individuals supporting the organization's mission to build homes, communities, and hope in Talbot and Dorchester Counties.
2. Corporate Sponsorships: Corporate sponsors at various levels ($500 to $7,500+) through the Hope Builders Program, providing employee engagement opportunities and community impact.
3. Employer Matching Gifts: Many employers offer matching gift programs where employee contributions to Habitat Choptank can be doubled or tripled.
4. Stock and Securities Donations: Gifts of stock and securities accepted through Morgan Stanley, with policy to sell within 24 hours of receipt.
5. ReStore Retail Operations: The ReStore sells donated building materials, furniture, and appliances at discounted prices, with proceeds supporting Habitat's mission.
6. Cars for Homes Program: Donation program accepting vehicles including automobiles, trucks, boats, RVs, motorcycles, and construction equipment.
7. Foundation Grants: Grants from foundations including MacKenzie Scott ($2.5M), Bluepoint Hospitality ($25,000), Bank of America ($10,000), Waddell Foundation, The Todd Fund, Nathan Foundation, and Federal Home Loan Bank Atlanta.
8. Community Investment Tax Credits: Maryland state program allowing donors to receive tax credits equal to 50% of their donation value, in addition to federal and state charitable deductions.
9. IRA Charitable Giving: Qualified Charitable Distributions for donors 70.5 or older, allowing gifts directly from IRAs up to $111,000 annually, free from federal income tax.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels10 records

Core offering

Habitat for Humanity Choptank is a nonprofit affordable housing organization serving Dorchester and Talbot Counties, Maryland. It partners with low-income families to build affordable homes through sweat equity and affordable mortgage financing, provides critical health and safety home repairs via the Helping Hands Revolving Loan Fund, and operates the Habitat ReStore retail outlet that sells donated building materials, furniture, and appliances to fund its mission.

Product overview

Habitat for Humanity Choptank operates as a nonprofit housing organization offering multiple interconnected programs. The core offerings include the Homeownership Program (building affordable homes with sweat equity and mortgage financing), Home Repair Program (critical repairs via the Helping Hands Revolving Loan Fund), and Neighborhood Revitalization initiatives. Supporting programs include the Habitat ReStore retail outlet for donated building materials, Community Engagement workshops including AARP home maintenance programs, and a Tool Lending Library for DIY repairs. The organization serves Dorchester and Talbot Counties in Maryland and accepts applications year-round for both homeownership and repair programs.

Differentiator

Problem solved

Functional benefit

Brands

• ReStore: A retail business that sells donated building materials, furniture, and appliances at discounted prices to support the Habitat mission. Located at 8610 Commerce Drive in Easton, MD.

Products and services

• Homeownership Program Core program partnering with low-income families to build affordable homes. Partner families complete 300-400 sweat equity hours, attend homeownership education, and assume 30-33 year mortgages with payments structured to be no more than 30% of gross monthly income.
• Home Repair Program Provides critical health and safety home repairs to low-income homeowners (at or below 80% of HUD Area Median Income) including roof repairs, accessibility modifications, plumbing, electrical, and HVAC work.
• Neighborhood Revitalization Improves communities through quality sustainable new construction homes and rehabs in Dorchester and Talbot Counties, including the Brooks Lane and Camper Street neighborhood projects.
• Habitat ReStore Retail store located at 8610 Commerce Drive, Easton, MD, selling donated building materials, furniture, and appliances at discounted prices, with proceeds supporting the Habitat Choptank mission. Open Tuesday-Saturday 10AM-4PM.
• Education and Housing Counseling Educational workshops and financial counseling including AARP Foundation 'Here to Stay' home maintenance workshops, credit and financial literacy topics, and pre-homeownership education classes.
• Tool Lending Library Mobile tool library providing residents with access to tools for DIY home repair projects and maintenance tasks, supporting the home repair workshops and neighborhood revitalization goals.
• Helping Hands Revolving Loan Fund Revolving loan fund providing loans to income-qualifying homeowners (up to 80% of HUD Area Median Income) who are unable to borrow through traditional banking to make necessary home repairs. Repayment on a sliding scale based on income, with payments recycled to assist subsequent families.

Quantifiable outcome

• 99+ families have achieved homeownership since 1992
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Mid-Shore Board of RealtorscoreGTM or Marketing PartnerPartnership to co-host community events and raise funds for Habitat's mission. MSBR is comprised of over 400 REALTORS and affiliates from Caroline, Dorchester, and Talbot counties.
• Chesapeake Bay Maritime MuseumcoreGTM or Marketing PartnerWeek-long volunteer experience with Habitat Choptank staff working on Brooks Lane homes. Also providing CBMM memberships for future Habitat homebuyers.
• Maryland Department of Housing and Community DevelopmentcoreOthersCollaboration on Brooks Lane neighborhood development and other housing initiatives.
• Talbot County GovernmentcoreOthersCollaboration on Brooks Lane neighborhood project and county-wide affordable housing initiatives.
• Town of St. MichaelscoreOthersCollaboration on Brooks Lane neighborhood development.
• AARP FoundationcoreStrategic or Co-development PartnerHabitat Choptank is one of only three Habitat affiliates nationwide chosen to implement the AARP Foundation's pilot 'Here to Stay' Aging in Place program, providing home maintenance workshops for older adults.
• Morgan StanleyminorOthersBrokerage partner for stock and securities donations. Donations are received through Morgan Stanley Wealth Management and sold within 24 hours of receipt.
• AmeriCorpscoreStrategic or Co-development PartnerPartnership providing AmeriCorps volunteers for 10.5-month full-time positions supporting home repair, homeowner services, and homebuyer programs.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Homes for America: Mid-Atlantic nonprofit developer of affordable rental and homeownership housing serving Maryland, Virginia, and the Carolinas. Comparable in providing affordable homeownership and rental opportunities for low-income families, with overlap in Eastern Shore service territory.
• Rebuilding Together: National nonprofit focused exclusively on home repair and rehabilitation for low-income homeowners and seniors — directly comparable to Habitat Choptank's Home Repair Program and Helping Hands Revolving Loan Fund, with a similar volunteer-driven delivery model.
• AARP Foundation: National nonprofit foundation focused on low-income seniors 50+, operating the 'Here to Stay' aging-in-place program in which Habitat Choptank is a pilot affiliate. Direct partnership peer with shared target segment and programming model.

Others

• AmeriCorps: Federal agency deploying national service members to nonprofits including Habitat Choptank, which currently hosts AmeriCorps members for 10.5-month terms. Comparable as the staffing/infrastructure partner enabling Habitat Choptank's expanded program delivery.

Broad incumbents

• Habitat for Humanity International: Habitat for Humanity International is the parent umbrella organization of which Habitat Choptank is an independent local affiliate. Operates the global brand, donor relationships, and ReStore network that underpins all local affiliates including Choptank.
• Enterprise Community Partners: National nonprofit affordable housing and community development CDFI operating across Maryland and the U.S. Comparable in providing affordable housing financing, community development, and homeownership support to low-income families, though at much larger scale.
• NeighborWorks America: National network of community-based affordable housing and community development nonprofits. Directly comparable model to Habitat Choptank — local affiliates delivering homeownership counseling, home repair, and neighborhood revitalization in defined geographies.
• Local Initiatives Support Corporation (LISC): National community development financial institution supporting affordable housing, economic development, and neighborhood revitalization. Comparable in mission and integrated community development approach; operates LISC Maryland with similar Eastern Shore presence.

Regional players

• Chesapeake Bay Foundation: Large Maryland-based environmental and conservation nonprofit operating across the Chesapeake Bay watershed including the Eastern Shore. Comparable as a regional nonprofit with strong donor base, community education programming, and Habitat-adjacent volunteer engagement model, though focused on environmental rather than housing mission.
• Maryland Affordable Housing Trust: Maryland state-administered affordable housing financing program under DHCD that funds affordable housing developers including Habitat Choptank partners. Comparable as a funder/peer in the Maryland affordable housing ecosystem with overlapping grantee network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/habitat-for-humanity-choptank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

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 Choptank