Habitat for Humanity International 
The information on this page was last updated 2/26/2026. If you see errors or omissions, please email: [email protected]
Summary
Habitat for Humanity is a nonprofit organization that helps families build and improve places to call home. We believe affordable housing plays a critical role in strong and stable communities.
Contact information
Mailing address:
Habitat for Humanity International
322 West Lamar Street
Americus, GA 31709-3543
Website: habitat.org
Phone: (229) 924-6935
Email: [email protected]
Organization details
EIN: 911914868
CEO/President: Jonathan Reckford
Chairman: Christiana Smith Shi
Board size: 20
Founder: Millard and Linda Fuller
Ruling year: 1987
Tax deductible: Yes
Fiscal year end: 06/30
Member of ECFA: No
Member of ECFA since:
Purpose
Vision: A world where everyone has a decent place to live.
Habitat works toward our vision by building strength, stability and self-reliance in partnership with families in need of decent and affordable housing. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage.
Mission statement
Seeking to put God's love into action, Habitat for Humanity brings people together to build homes, communities and hope.
Statement of faith
Habitat for Humanity and its affiliate organizations will not proselytize. Nor will Habitat work with entities or individuals who insist on proselytizing as part of their work with Habitat. This means that Habitat will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.
Articles
Donor confidence score
Show donor confidence score details
To understand our donor confidence score, click here.
Transparency grade
C
To understand our transparency grade, click here.
Financial efficiency ratings
Sector: Community Development
| Category | Rating | Overall rank | Sector rank |
| Overall efficiency rating | | 1319 of 1435 | 134 of 148 |
| Fund acquisition rating | | 1403 of 1435 | 144 of 148 |
| Resource allocation rating | | 1050 of 1435 | 110 of 148 |
| Asset utilization rating | | 906 of 1436 | 97 of 148 |
According to the organization's Form 990, it received $23,779,698 in government grants in 2025.
To understand our financial efficiency ratings, click here.
Click here to read Habitat for Humanity International's response to our ratings
Financial ratios
| Funding ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Return on fundraising efforts Return on fundraising efforts = Fundraising expense / Total contributions | 6% | 22% | 22% | 20% | 14% | 16% |
Fundraising cost ratio Fundraising cost ratio = Fundraising expense / Total revenue | 4% | 19% | 20% | 19% | 14% | 16% |
Contributions reliance Contributions reliance = Total contributions / Total revenue | 91% | 85% | 91% | 93% | 97% | 98% |
Fundraising expense ratio Fundraising expense ratio = Fundraising expense / Total expenses | 5% | 18% | 19% | 19% | 21% | 19% |
Other revenue reliance Other revenue reliance = Total other revenue / Total revenue | 9% | 15% | 9% | 7% | 3% | 2% |
| Operating ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Program expense ratio Program expense ratio = Program services / Total expenses | 83% | 77% | 77% | 78% | 75% | 78% |
Spending ratio Spending ratio = Total expenses / Total revenue | 96% | 100% | 102% | 100% | 66% | 86% |
Program output ratio Program output ratio = Program services / Total revenue | 79% | 78% | 79% | 78% | 50% | 67% |
Savings ratio Savings ratio = Surplus (deficit) / Total revenue | 4% | 0% | -2% | 0% | 34% | 14% |
Reserve accumulation rate Reserve accumulation rate = Surplus (deficit) / Net assets | 4% | 0% | -2% | 0% | 35% | 16% |
General and admin ratio General and admin ratio = Management and general expense / Total expenses | 11% | 4% | 4% | 3% | 4% | 3% |
| Investing ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Total asset turnover Total asset turnover = Total expenses / Total assets | 1.02 | 0.49 | 0.60 | 0.58 | 0.54 | 0.70 |
Degree of long-term investment Degree of long-term investment = Total assets / Total current assets | 1.89 | 1.16 | 1.21 | 1.17 | 1.10 | 1.14 |
Current asset turnover Current asset turnover = Total expenses / Total current assets | 2.14 | 0.57 | 0.73 | 0.68 | 0.59 | 0.80 |
| Liquidity ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Current ratio Current ratio = Total current assets / Total current liabilities | 12.56 | 2.91 | 5.85 | 6.30 | 6.69 | 4.93 |
Current liabilities ratio Current liabilities ratio = Total current liabilities / Total current assets | 0.07 | 0.34 | 0.17 | 0.16 | 0.15 | 0.20 |
Liquid reserve level Liquid reserve level = (Total current assets - Total current liabilities) / (Total expenses / 12) | 4.79 | 13.88 | 13.57 | 14.79 | 17.38 | 11.98 |
| Solvency ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Liabilities ratio Liabilities ratio = Total liabilities / Total assets | 10% | 43% | 26% | 24% | 20% | 28% |
Debt ratio Debt ratio = Debt / Total assets | 0% | 11% | 8% | 7% | 5% | 7% |
Reserve coverage ratio Reserve coverage ratio = Net assets / Total expenses | 77% | 117% | 123% | 130% | 148% | 103% |
Financials
| Balance sheet | |||||
| Assets | 2025 | 2024 | 2023 | 2022 | 2021 |
| Cash | $470,774,862 | $292,087,102 | $306,250,080 | $344,322,736 | $246,870,615 |
| Receivables, inventories, prepaids | $104,940,796 | $101,599,037 | $101,681,232 | $115,108,477 | $59,952,440 |
| Short-term investments | $77,975,400 | $84,451,385 | $76,493,962 | $35,257,008 | $47,055,693 |
| Other current assets | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $653,691,058 | $478,137,524 | $484,425,274 | $494,688,221 | $353,878,748 |
| Long-term investments | $33,501,855 | $33,674,265 | $33,782,984 | $13,585,250 | $15,460,350 |
| Fixed assets | $6,697,565 | $7,212,076 | $7,775,214 | $10,057,706 | $10,713,893 |
| Other long-term assets | $66,089,540 | $61,682,414 | $39,879,166 | $23,657,562 | $23,820,191 |
| Total long-term assets | $106,288,960 | $102,568,755 | $81,437,364 | $47,300,518 | $49,994,434 |
| Total assets | $759,980,018 | $580,706,279 | $565,862,638 | $541,988,739 | $403,873,182 |
| Liabilities | 2025 | 2024 | 2023 | 2022 | 2021 |
| Payables and accrued expenses | $34,572,168 | $31,981,194 | $29,388,030 | $29,852,720 | $28,598,209 |
| Other current liabilities | $190,369,991 | $49,750,163 | $47,499,369 | $44,133,383 | $43,220,827 |
| Total current liabilities | $224,942,159 | $81,731,357 | $76,887,399 | $73,986,103 | $71,819,036 |
| Debt | $80,450,213 | $47,964,905 | $38,504,815 | $25,993,499 | $30,251,614 |
| Due to (from) affiliates | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $19,336,559 | $20,425,416 | $19,717,379 | $10,833,863 | $9,725,784 |
| Total long-term liabilities | $99,786,772 | $68,390,321 | $58,222,194 | $36,827,362 | $39,977,398 |
| Total liabilities | $324,728,931 | $150,121,678 | $135,109,593 | $110,813,465 | $111,796,434 |
| Net assets | 2025 | 2024 | 2023 | 2022 | 2021 |
| Without donor restrictions | $237,868,087 | $223,872,551 | $215,084,605 | $295,943,283 | $166,025,136 |
| With donor restrictions | $197,383,000 | $206,712,050 | $215,668,440 | $135,231,991 | $126,051,612 |
| Net assets | $435,251,087 | $430,584,601 | $430,753,045 | $431,175,274 | $292,076,748 |
| Revenues and expenses | |||||
| Revenue | 2025 | 2024 | 2023 | 2022 | 2021 |
| Total contributions | $315,354,035 | $310,886,061 | $305,651,094 | $424,588,995 | $324,702,360 |
| Program service revenue | $32,612,238 | $13,299,083 | $12,839,539 | $13,096,703 | $12,586,122 |
| Membership dues | $0 | $0 | $0 | $0 | $0 |
| Investment income | $15,672,048 | $13,680,112 | $9,527,886 | $1,266,038 | ($7,391,441) |
| Other revenue | $6,372,589 | $4,503,944 | $1,176,634 | $487,347 | $192,543 |
| Total other revenue | $54,656,875 | $31,483,139 | $23,544,059 | $14,850,088 | $5,387,224 |
| Total revenue | $370,010,910 | $342,369,200 | $329,195,153 | $439,439,083 | $330,089,584 |
| Expenses | 2025 | 2024 | 2023 | 2022 | 2021 |
| Program services | $286,774,041 | $270,444,348 | $257,777,840 | $219,092,786 | $219,971,841 |
| Management and general | $15,419,787 | $12,816,556 | $10,449,026 | $11,346,961 | $9,208,911 |
| Fundraising | $68,547,075 | $67,375,396 | $62,386,419 | $60,006,768 | $53,377,330 |
| Total expenses | $370,740,903 | $350,636,300 | $330,613,285 | $290,446,515 | $282,558,082 |
| Change in net assets | 2025 | 2024 | 2023 | 2022 | 2021 |
| Surplus (deficit) | ($729,993) | ($8,267,100) | ($1,418,132) | $148,992,568 | $47,531,502 |
| Other changes in net assets | $0 | $0 | $0 | $0 | $0 |
| Total change in net assets | ($729,993) | ($8,267,100) | ($1,418,132) | $148,992,568 | $47,531,502 |
Compensation
| Name | Title | Compensation |
| Jonathan Reckford | Chief Executive Officer | $592,703 |
| Tolli Love | Chief Development Officer | $369,566 |
| Adrienne Goolsby | SVP, U.s. and Canada | $343,903 |
| Patrick Canagasingham | Chief Operating Officer | $341,798 |
| Ed Anderson | Chief Admin & Fin Officer(thru 11/24) | $335,220 |
| Amy Dunham | Chief Communications Officer | $331,611 |
| Valerie Norton | Chief People Officer | $330,855 |
| Hilary Harp | SVP Legal & Gen Counsel(as of 12/24) | $327,797 |
| Scott Mills | VP - Chief Information Officer | $323,554 |
| Jacqueline Innocent | SVP - Integrated Programs | $320,698 |
| Roland Pearson | VP - Tcis | $305,690 |
| Richard Hathaway | Area Vp, Europe and Middle East | $274,582 |
| Luis Noda | VP-Program Effectiveness(thru 06/25) | $269,295 |
| Jim Mellott | Former VP - Finance | $268,512 |
| Tawkiyah Jordan | VP - Hcs | $267,978 |
| Tal Tsur | VP - Global Talent and Culture | $262,324 |
| Timothy Patrick Daugherty | VP - Direct Marketing | $254,635 |
| Brandie Michel | Sr Dir - Cnstituent Engmnt Systems | $249,965 |
| Juan C Montalvo | VP - Audit | $249,663 |
| Chris Vincent | VP-Government Relations & Advocacy | $249,662 |
| Mande Butler | VP - Us Operations | $247,353 |
| Aaron Lewis | Assistant Secretary | $245,507 |
| Naeem Razwani | Sr Dir-Glbl Fin Incl & Cap Mrkt | $229,550 |
| Nill Toulme | Assistant Secretary | $226,258 |
| Daniel Gura | VP & Exec Dir, Habitat Capital | $226,023 |
| Ernesto Castro Garcia | Area Vp, Lac | $218,119 |
| Sabrina Fitze | Assistant Secretary | $206,164 |
| Craig Molyneaux As of 1224 | Chief Admin & Finance Officer | $26,874 |
| Timothy Phillips | Chief Legal Officer (as of 12/24) | $12,236 |
Compensation data as of: 6/30/2025
Response from ministry
The audited financial statements of Habitat for Humanity International reflect only part of the story of Habitat for Humanity's scope of work around the world. As autonomous nonprofit organizations, Habitat for Humanity affiliates and national organizations keep their own records of revenues and expenditures; those figures are not included in the financial statements of Habitat for Humanity International.
For the fiscal year that ended June 30, 2002, we estimate the entire Habitat for Humanity movement grossed $747.9 million in revenue: 438.2 million in cash contributions and grants, $34.7 million in gifts-in-kind, $237.8 million in sales of houses and $37.2 million in other support. Overall, Habitat for Humanity's estimated expense ratios in FY 2002 were 81 percent program, 10 percent fund raising, and 9 percent management and general expense.
The information below was provided to MinistryWatch by the ministry itself. It was last updated 2/26/2026. To update the information below, please email: [email protected]
History
The idea that became Habitat for Humanity first grew from the fertile soil of Koinonia Farm, a community farm outside of Americus, Georgia, founded by farmer and biblical scholar Clarence Jordan.
On the farm, Jordan and Habitat's eventual founders Millard and Linda Fuller developed the concept of "partnership housing." The concept centered on those in need of adequate shelter working side by side with volunteers to build decent, affordable houses. The houses would be built at no profit. New homeowners' house payments would be combined with no-interest loans provided by supporters and money earned by fundraising to create "The Fund for Humanity," which would then be used to build more homes.
Beau and Emma were the owners of the first home built by Koinonia's Partnership Housing Program. They and their five children moved into a concrete-block home with a modern kitchen, indoor bathroom and heating system, replacing the unpainted, uninsulated shack with no plumbing where they had previously lived.
In 1973, the Fullers decided to take the Fund for Humanity concept to Zaire, now the Democratic Republic of Congo. After three years of hard work to launch a successful house building program there, the Fullers then returned to the United States and called together a group of supporters to discuss the future of their dream: Habitat for Humanity International, founded in 1976.
The times have changed, the build site locations have grown in number, but the very real change that Beau and Emma's family experienced is shared by families today who partner with Habitat to build or improve a place they can call home. Thanks in no small part to the personal involvement of U.S. President Jimmy Carter and his wife Rosalynn and the awareness they have raised, Habitat now works in all 50 states in the U.S. and in more than 70 countries and has helped more than 39 million people achieve strength, stability and independence through safe, decent and affordable shelter.
Program accomplishments
Surveys of Habitat homeowners and their families show better financial health, parents who are more confident about meeting their family's needs, and even improved grades for their children since purchasing a Habitat home:
65% reported better physical health in the Greater Cleveland Habitat for Humanity's homeownership impact survey.
80% of children's grades improved and 41% of adults completed an educational or job training program, Chatham Habitat for Humanity in Pittsboro found in a 2021 homeownership impact survey.
94% of homeowners now feel safe in their homes and 98% said that owning a home improved how they felt about themselves, according to Habitat for Humanity East Bay/Silicon Valley's 2021 social impact study.
57% of families have more savings and 48% of families feel more connected to the community, a survey of Habitat for Humanity Greater Sacramento's first 100 families found.