Habitat For Humanity Susquehanna, Inc.

What Habitat For Humanity Susquehanna, Inc. does

Habitat for Humanity Susquehanna, Inc. is a 501(c)(3) nonprofit affordable housing organization founded in 1993, operating as a local affiliate of Habitat for Humanity International. It serves low-income families and individuals in Harford and Cecil Counties, Maryland, through five core programs: a Homeownership Program that builds new homes in partnership with qualified applicants who contribute 250-500 sweat-equity hours and receive zero-interest mortgages engineered to stay at or below 30% of gross monthly income; a Repair Program delivering critical home repairs, weatherization, and accessibility modifications with homeowners contributing 15% of project cost; a Veterans Program that channels national partnerships (Owens Corning Roof Deployment, Home Depot Foundation, Team Depot, Lowe's Heroes) into veteran-targeted repairs and accessibility work; a Financial Education / Coaching program delivered with APG Federal Credit Union and the Banzai platform; and an Aging in Community program offering home modifications and the Johns Hopkins–designed CAPABLE pilot intervention. The organization also operates the Aberdeen ReStore, a retail/donation outlet for new and gently-used home improvement materials, furniture, and appliances, with proceeds supporting construction.

The business model is diversified nonprofit revenue: individual donations (including the HopeBuilders monthly giving program at a $10/month minimum), recurring and one-time corporate sponsorships (Bank of America, Northrop Grumman, BGE, APGFCU, Aveda Institute Maryland, among others), foundation grants (Home Depot Foundation, The Dresher Foundation, The Morris A. and Clarisse B. Mechanic Foundation, Maryland Affordable Housing Trust, The Harry and Jeanette Weinberg Foundation, Thrivent), government grants (Maryland DHCD including the Community Investment Tax Credits program, Harford and Cecil County CDBG), ReStore retail sales, vehicle donations via Cars for Homes, and real estate donations. Fundraising events — Dream Builders Benefit, Golf Tournament, Habitat Harvest BBQ, Home & Garden Tour, Sunset Cruise for a Cause, Women Build — are a material GTM lever for donor acquisition and sponsorship. Since 1993 the affiliate has built 120 homes (averaging ~6 per year in recent years), completed 30+ critical repairs annually, and served 100+ individuals annually through financial literacy.

The technology stack is conventional for a mid-sized Habitat affiliate: CiviCRM for donor and constituent management, CharityProud for volunteer scheduling and event registration, PayPal and credit-card processing for online donations, Haul Buddy for residential donation pickup logistics, and the Banzai financial wellness platform for educational delivery. The underlying operating model relies on free volunteer labor (only 4% of building materials are donated) to compress construction costs (currently ~$220,000 per home, up from ~$160,000 historically), supplemented by mortgage pass-through revenue, in-kind material donations, and sweat-equity from partner families. No proprietary technology platform or AI/ML capabilities are evident.

Name

Habitat For Humanity Susquehanna, Inc.

Legal name

Habitat for Humanity Susquehanna, Inc.

Website

https://habitatsusq.org

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Habitat for Humanity Susquehanna is a 501(c)(3) nonprofit affordable housing organization serving low-income families and individuals in Harford and Cecil Counties, Maryland, through zero-interest homeownership builds, critical home repairs, financial education, veterans support, and aging-in-place services, funded via donations, grants, sponsorships, and the Aberdeen ReStore.

Ownership category

akta.pro rank

Product category

Affordable Housing Services

NAICS

New Single-Family Housing Construction (except For-Sale Builders) (236115), Residential Building Construction (2361), Residential Remodelers (236118)

SIC

Services-To Dwellings & Other Buildings (7340)

akta.pro primary industry

Residential Affordable Housing Development & Construction (IMAFABAI)

akta.pro secondary industries

Housing Rehabilitation, Weatherization & Home Repair Grant/Loan Programs (FSALAKAJ), Public & Affordable Housing Programs (Subsidies, Vouchers, Public Housing) (BPAIANAA)

Keywords

• Affordable housing construction
• Home repair services
• Homeownership program
• Nonprofit housing ministry
• Community homebuilding

Headquarters

HQ city

Bel Air

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: Habitat Susquehanna raises the majority of its building material costs (96%) through financial donations from individuals. The organization runs a HopeBuilders monthly giving program with a minimum $10/month commitment, one-time donations, and honor/memorial gifts. Donations are tax-deductible as the organization is a registered 501(c)(3) nonprofit.
2. Habitat ReStore Retail Sales: The Aberdeen ReStore sells donated new and gently-used home improvement materials, furniture, and appliances at below-retail prices. Proceeds from ReStore sales directly fund Habitat's homebuilding and repair programs in Harford and Cecil Counties.
3. Grant Funding: Habitat Susquehanna receives grant funding from government entities (Maryland DHCD, Harford County Government, Cecil County Government) and foundations (Home Depot Foundation, The Dresher Foundation, The Morris A. and Clarisse B. Mechanic Foundation, Maryland Affordable Housing Trust) to support home construction, critical repairs, veteran assistance, weatherization, and aging-in-place programs.
4. Corporate Sponsorships & Partnerships: Corporate partners including APG Federal Credit Union, Bank of America, BGE, Northrop Grumman, and others provide financial sponsorships for specific builds, programs, events, and the ReStore. Sponsorship tiers are offered for events and team build days.
5. Community Investment Tax Credits (CITC): Through the Maryland DHCD CITC program, donors contributing $500 or more can claim a 50% state income tax credit on their donation, in addition to federal charitable deductions. Habitat Susquehanna allocates a limited pool of credits to donors annually.
6. Vehicle Donations (Cars for Homes): The Cars for Homes program accepts donated vehicles (cars, trucks, RVs, boats, etc.) with proceeds supporting local homebuilding. Donors can call 1-877-277-4344 or use the website to arrange vehicle donations.
7. Real Estate Donations: Land and property donors contribute real estate (undeveloped land, residential rehabs) in Cecil and Harford County. Gifts can be structured as outright gifts, bargain sales, or bequests. Real estate donations help address the organization's land acquisition challenge.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels14 records

Core offering

Habitat for Humanity Susquehanna builds new affordable homes in partnership with qualified low-income families, delivers critical home repairs and weatherization for low-income homeowners, and offers free financial literacy coaching, all within Harford and Cecil Counties, Maryland. Approved homebuyers receive zero-interest mortgages with payments capped at 30% of gross income in exchange for 250–500 sweat-equity hours. Operations are funded through individual donations, corporate sponsorships, government and foundation grants, and ReStore retail sales of donated home improvement goods.

Product overview

Habitat for Humanity Susquehanna is a nonprofit housing organization offering a multi-program portfolio focused on affordable homeownership and home repair in Harford and Cecil Counties, Maryland. The core programs include the Homeownership Program (building new homes with qualified families), the Repair Program (critical home repairs and weatherization), Financial Education and Coaching, Veterans Programs, and Aging in Community services. The Aberdeen ReStore is a retail outlet selling donated building materials and household goods. The organization operates various fundraising campaigns including Building on Faith, Raise the Roof, Framing Futures, and Housing is Healthcare. Donation programs include HopeBuilders monthly giving, Cars for Homes vehicle donations, Real Estate Donations, Planned Giving, and Community Investment Tax Credits.

Differentiator

Problem solved

Functional benefit

Brands

• HopeBuilders: Monthly donation program where donors contribute regularly to support Habitat Susquehanna's mission
• Habitat ReStore

Products and services

• Homeownership Program Affordable homeownership program that builds new homes in partnership with qualified low-income families in Harford and Cecil Counties. Approved applicants complete 250-500 sweat-equity hours including financial education and home maintenance classes, and receive a zero-interest mortgage with monthly payments not exceeding 30% of gross income. Habitat is the mortgage lender (NMLS #1439405).
• Repair Program Critical home repair and weatherization program for low-income homeowners in Harford and Cecil Counties, Maryland. Delivers health and safety repairs (floors, walls, roofs, HVAC, plumbing, electrical), accessibility modifications (ramps, grab bars, stair lifts), and weatherization (insulation, air sealing, caulking). Homeowners contribute 15% of project cost and pledge 10+ hours of community service. Funded by Home Depot Foundation, Lowe's Aging in Place, Thrivent Builds, Maryland DHCD CDBG, and other grants.
• Financial Education and Coaching Free one-on-one financial coaching and public financial education classes covering Financial Life Skills, budgeting, credit building, retirement planning, and asset protection. Delivered in partnership with APG Federal Credit Union at its Home Loan Center in Bel Air and online through the Banzai financial wellness platform. Required coursework for Homeownership Program applicants.
• Veterans Program Targeted assistance for U.S. military veteran homeowners and homebuyers in Harford and Cecil Counties. Provides critical repairs (free roof replacements via Owens Corning Roof Deployment, accessibility modifications, weatherization, stair chair lifts, aluminum ramps) funded by the Home Depot Foundation and Team Depot Home Preservation grants, as well as access to the general Homeownership Program.
• Aging in Community Program Program helping older adults age safely in their homes through home modifications such as ramps, lifts, and grab bars. Includes participation in the CAPABLE pilot program with Johns Hopkins School of Nursing, combining nursing and occupational therapy services with Habitat's home repair expertise. Reached through partnerships with Harford and Cecil County libraries, Office on Aging, and AARP.
• Aberdeen ReStore Nonprofit home improvement store and donation center at 1013 Beards Hill Road, Aberdeen, MD, selling donated new and gently-used building materials, furniture, and appliances at a fraction of retail price. Open to the general public Tue-Sat. Accepts item donations and offers free residential pickup via Haul Buddy, with proceeds funding Habitat's homebuilding mission.

Quantifiable outcome

• 120 homes built since 1993
• +6 more outcomes

Named customers10 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

17 partnerships are on record, tiered core and minor.

• APG Federal Credit Union (APGFCU)coreStrategic or Co-development Partner · 1 January 2024APGFCU is a primary financial partner conducting free financial workshops at its Home Loan Center in Bel Air. The partnership includes sponsoring Habitat's financial coaching program and covering its costs. APGFCU and Habitat also partner on the Banzai financial wellness platform offered free to the community. Contact: Dee Barretto at [email protected] or 410-612-2361.
• Owens Corning / Roof Deployment ProjectcoreStrategic or Co-development Partner · 1 January 2018National Owens Corning initiative providing free roof replacements for U.S. military veterans in need. Owens Corning donates materials and labor through its network of Platinum Contractors. Habitat Susquehanna selects and refers veteran recipients. Brothers Services Company and American Design and Build are local contractor partners in this program.
• Lowe's (Aging in Place / Heroes Program)coreStrategic or Co-development Partner · 1 January 2018Lowe's has been a national Habitat partner since 2003 with over $63 million committed to help 17,000+ families. Lowe’s provides Aging in Place grants to local Habitats for accessibility modifications, with Habitat Susquehanna receiving grants to build ramps for seniors and disabled homeowners. Lowe’s Heroes volunteer teams from multiple stores execute the builds.
• Team Depot / Home Depot Foundation (Home Preservation Grant)coreStrategic or Co-development Partner · 1 January 2018Team Depot volunteer employees from Home Depot installed an aluminum 16-ft accessible ramp for veteran homeowner Maurice James, funded by a Team Depot Home Preservation grant. Represents the intersection of volunteer labor and grant funding.
• Johns Hopkins School of Nursing / CAPABLE ProgramcoreStrategic or Co-development Partner · 1 January 2018Habitat for Humanity International received grant funding from The Harry and Jeanette Weinberg Foundation to implement the CAPABLE (Community Aging in Place — Advancing Better Living for Elders) pilot program designed by Johns Hopkins School of Nursing. The program combined nursing and occupational therapy services with Habitat's home repair expertise. Habitat Susquehanna was one of five Habitat affiliates selected for this pilot.
• Habitat for Humanity InternationalcoreStrategic or Co-development PartnerHabitat Susquehanna is a local affiliate of Habitat for Humanity International, which coordinates the global Habitat movement spanning all 50 U.S. states, DC, Puerto Rico, and 60+ countries. HFHI provides brand licensing, program frameworks, training, advocacy, and access to national corporate partnerships. Founded 1976; helped 62+ million people globally.
• Cecil County Health DepartmentminorStrategic or Co-development PartnerAwarded grant funding enabling Habitat Susquehanna staff to complete Mental Health First Aid certification. Over half of Habitat Susquehanna staff are now trained and certified by the state of Maryland in Mental Health First Aid, reflecting the Housing is Healthcare initiative.
• Southern Harford County Rotary (SHCR)minorStrategic or Co-development PartnerFunded A Brush With Kindness (ABWK) activities at Maurice James' property and 15+ neighboring homes in First Harford Square neighborhood. SHCR volunteers participated alongside students from Notre Dame Preparatory School, Edgewood Lacrosse, Mountain Christian Church, Fork Christian Church, and others.
• HGH Mechanical, Inc.minorStrategic or Co-development PartnerEdgewood HVAC company founded by Manny Gomes, Philip Hobbs, and James Hobbs, Jr. donated and installed a new furnace free of charge for repair program recipient Robin Skoczylas. Represents a local contractor volunteer/partnership model.
• Wells Fargo VolunteersminorStrategic or Co-development PartnerAs part of a national effort to improve 100 homes with veterans, Wells Fargo volunteers removed a tree and fence, and made landscaping improvements for veteran homeowner Otis Johnson at his Edgewood property.
• AARP / AARP FoundationminorStrategic or Co-development PartnerAARP and AARP Foundation partner with Habitat International to offer practical resources for aging in place. Habitat Susquehanna distributed AARP HomeFit Guides at community presentations on Aging in the Community at local libraries.
• Aveda Institute MarylandminorGTM or Marketing PartnerCorporate sponsor of Habitat Susquehanna, providing financial support for programs and events. Listed among major sponsors on the organization's website.
• Christmas in April (Cecil County)minorStrategic or Co-development PartnerCecil County nonprofit that helps with urgent home repairs. Referred Walter Jermyn to Habitat Susquehanna's Repair Program, which subsequently recruited volunteers to provide a new roof and flooring.
• College HUNKS Hauling JunkminorChannel Partner/ Reseller/ DistributorFor-fee express pickup service partner for donors who need expedited donation collection. Contact: www.collegehunkshaulingjunk.com/donation-pickups/ or 410-762-4030. Provides an alternative to Habitat's free pickup scheduling.
• Christ Fellowship Church, Forest HillminorGTM or Marketing PartnerFaith partner providing matching gift support (first $3,000 in donations) for the Building on Faith 2022-2023 campaign.
• Clarks United Methodist Church, Bel AirminorGTM or Marketing PartnerFaith partner providing matching gift support (first $3,000 in donations) for the Building on Faith 2022-2023 campaign.
• Union United Methodist Church, AberdeenminorGTM or Marketing PartnerFaith partner providing matching gift support (first $3,000 in donations) for the Building on Faith 2022-2023 campaign.

Scale indicators10 records

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• Enterprise Community Partners: National nonprofit developer, investor, and policy advocate creating affordable rental and for-sale housing. Comparable in mission and breadth of activity, though operating at far greater scale and with a more development-finance orientation.
• Mercy Housing: Large national nonprofit affordable housing developer and operator combining new construction, rehabilitation, and supportive services. Comparable as a faith-rooted, multi-program affordable housing peer at materially larger scale.
• NeighborhoodWorks America: National network of more than 240 community development nonprofits focused on affordable housing, financial coaching, and neighborhood revitalization. Comparable program mix (homeownership + financial education) at a federated, multi-affiliate scale.
• Volunteers of America (National): Faith-affiliated national nonprofit offering housing, veteran services, and community programs. Comparable as a faith-rooted, multi-program nonprofit using volunteers and grants to deliver housing-related services, including veteran-specific support.

Direct peers

• Rebuilding Together: National nonprofit focused on critical home repairs and safe, healthy housing for low-income homeowners, including veterans and seniors. Directly comparable to Habitat Susquehanna's Repair Program and Aging in Community offerings.
• Habitat for Humanity Philadelphia: Regional Habitat affiliate operating homeownership, repair, and ReStore programs in the Philadelphia metro area. Comparable in scale and program breadth, and useful for benchmarking affiliate operating models in the Mid-Atlantic.
• Habitat for Humanity of the Chesapeake: Neighboring Maryland Habitat affiliate serving Baltimore City and Baltimore County with the same core homeownership + critical repair + ReStore model. Most directly comparable peer given overlapping Maryland geography, shared Habitat International affiliation, and identical program mix.

Regional players

• Maryland Affordable Housing Trust: Maryland state-administered financing program providing gap financing for affordable rental and homeownership developments. Comparable as a Maryland-specific funder and partner in the same affordable housing ecosystem.
• Christmas in April / Rebuilding Day (Cecil County): Local Cecil County affiliate that refers repair clients to Habitat Susquehanna. Directly comparable in mission (urgent home repairs for low-income homeowners) at a smaller, single-county scale.

Others

• APG Federal Credit Union: Core financial partner that hosts Habitat's free financial coaching workshops and co-funds the Banzai financial wellness platform. Adjacent rather than competitive, but a key ecosystem participant enabling the financial-education arm of Habitat Susquehanna's model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/habitatsusq
• YouTubeyoutube.com/@habitatforhumanitysusqueha5764
• Facebookfacebook.com/HabitatforHumanitySusquehanna
• LinkedInlinkedin.com/company/habitat-for-humanity-susquehanna
• Instagraminstagram.com/habitatsusq

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Susquehanna, Inc.