Habitat is a christian housing ministry that works with people in need to improve the conditions in which they live by providing affordable housing.

501(c)(3) charity; gifts are tax-deductible.
92¢ of each $1 spent went to programs.
Run by 249 volunteers and 8 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $79K a year · 10% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
92%
of spending
Looks good: 92% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$60K
to officers and key staff · 6% of spending
Looks good: pay to officers and key staff is 6% of spending; 15% or less.
Pt VII · Sec A
6 mo
of spending, in cash
Looks good: 6.3 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
2
named funders · $15K
Fine: 2 funders name it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$147K
11% of total assets
Looks good: liabilities are 11% of assets; 50% or less.
Pt X · Ln 26
Independent board members
9
of 9 voting members
Looks good: 9 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$974K
-18% vs prior year
Spent
$941K
To programs
92%
Net assets
$1.2M
By yearFY2020–FY2025
Revenue
$974K
FY2025▼ -18%
Tap a bar for its year
Revenue by fiscal year
FY2020$557K
FY2021$536K
FY2022$678K
FY2023$783K
FY2024$1.2M
FY2025$974K
Expenses
$941K
FY2025▼ -15%
Tap a bar for its year
Expenses by fiscal year
FY2020$519K
FY2021$475K
FY2022$547K
FY2023$650K
FY2024$1.1M
FY2025$941K
Net assets
$1.2M
FY2025▲ +3%
Tap a bar for its year
Net assets by fiscal year
FY2020$786K
FY2021$848K
FY2022$979K
FY2023$1.1M
FY2024$1.2M
FY2025$1.2M

From the FY2025 Form 990 (year ending June 2025) · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jan 1987.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

92 cents of each dollar spent went to programs.

Program services 92% · $869K Management & general 4% · $41K Fundraising 3% · $31K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

10 people listed on the 990; $60K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
President/Ce
$59,585Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Vice Chairpe
$0Pt VII · Sec A
Secretary
$0Pt VII · Sec A
Chairperson
$0Pt VII · Sec A
$0Pt VII · Sec A

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Jimmy Rutland$59,585$55,470$53,884$47,818$44,100$44,100

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Effingham County Hfh of executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Builds affordable homes for people in need, guided by Christian principles.

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Provided by the organization

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2 programs · $869K · in their own filed words · FY2024
01

Provide low cost building materials and furnishings for low income individuals to improve their living conditions.

$684Kprogram expense
02

Construct and repair homes for low-income families in need in partnership with god, the community, and the families themselves. For the year ending 6/30/2025, two home repairs were completed, one home finished construction, and one property was in the early stages of development.

$185Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2024
Total grants receivedfrom 2 funders$15K

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$974K
Ln 12
Fees for servicesLn 2g$553K
Gifts and grantsLn 1h$411K
Investment incomeLn 3$8K
Money outPt IX
$941K
Ln 25
Programscol B$869K
Managementcol C$41K
Fundraisingcol D$31K
Owns and owesPt X
$1.2M
net assets · Ln 32
Cash and savingsLn 1–2$493K
Total assetsLn 16$1.4M
LiabilitiesLn 26$147K
PeoplePt VI, VII
10
listed · VII A
PaidVII A1
Voting boardVI 1a9
IndependentVI 1b9
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$411K
Noncash giftsLn 1g$350K
Fees for servicesLn 2g$553K
Investment incomeLn 3$8K
Other incomeLn 4–11$2K
Gains on assetsLn 7$8K
Total revenueLn 12$974K
Assets in detailPt X, end of year
CashLn 1$493K
Cash and savings togetherLn 1–2$493K
Land, buildings, equipmentLn 10c$515K
Other assetsLn 15$84K
Total assetsLn 16$1.4M
LiabilitiesLn 26$147K
Net assetsLn 32$1.2M
OperationsPt I, VI
EmployeesI 58
VolunteersI 6249
Fiscal year endsHeaderJune
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$368K$493K
Land, buildings, equipmentLn 10c$533K$515K
Total assetsLn 16$1.4M$1.4M
LiabilitiesLn 26$170K$147K
Net assetsLn 32$1.2M$1.2M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$60K$41K$8K$11K
Other salaries and wagesLn 7$149K$144K$5K
Other employee benefitsLn 9$39K$34K$2K$2K
Payroll taxesLn 10$16K$14K$981$874
Legal feesLn 11b$188$93$95
Accounting feesLn 11c$14K$6K$8K
Other fees for servicesLn 11g$4K$3K$1K
Advertising and promotionLn 12$16K$7K$9K
Office expensesLn 13$7K$7K$231$160
OccupancyLn 16$28K$26K$2K$150
TravelLn 17$13K$5K$6K$1K
InterestLn 20$6K$6K
Payments to affiliatesLn 21$5K$5K
Depreciation, depletion and amortizationLn 22$27K$27K
InsuranceLn 23$28K$26K$2K$143
Other expenses (24a–d)Ln 24$514K$507K$6K$505
All other expensesLn 24e$17K$11K$405$5K
Total functional expensesLn 25$941K$869K$41K$31K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $974K$941K$33K$1.2M 990 PDF
FY2024 $1.2M$1.1M$75K$1.2M 990 PDF
FY2023 $783K$650K$133K$1.1M 990 PDF
FY2022 $678K$547K$131K$979K 990 PDF
FY2021 $536K$475K$61K$848K 990 PDF
FY2020 $557K$519K$38K$786K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support M · Noncash O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $973,958 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $446,010$411,352
I-9 Program service revenuePrior year $734,228$552,788
I-10 Investment income$7,501
I-11 Other revenuePrior year $390$2,317
I-12 Total revenuePrior year $1,180,628$973,958
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $236,918$263,352
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $868,560$677,481
I-18 Total expensesPrior year $1,105,478$940,833
I-19 Revenue less expensesPrior year $75,150$33,125
Part VI · Governance 9 of 9 board members independent, no flags
VI-1a Voting members of the governing body9
VI-1b Independent voting members9
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $973,958 across 7 lines filed
VIII-1f All other contributions, gifts and grants$411,352
VIII-1g Noncash contributions (included above)$349,917
VIII-1h Total contributions, gifts and grants$411,352
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $552,788$552,788
VIII-7 Net gain or loss on sales of assetsRelated to mission $7,501$7,501
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $2,317$2,317
VIII-12 Total revenueRelated to mission $562,606$973,958
Part IX · Statement of functional expenses $940,833 across 17 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $40,518 · Management $7,808 · Fundraising $11,259$59,585
IX-7 Other salaries and wagesPrograms $144,097 · Management $4,831$148,928
IX-9 Other employee benefitsPrograms $34,222 · Management $2,343 · Fundraising $2,087$38,652
IX-10 Payroll taxesPrograms $14,332 · Management $981 · Fundraising $874$16,187
IX-11b Legal feesPrograms $93 · Management $95$188
IX-11c Accounting feesPrograms $5,975 · Management $7,915$13,890
IX-11g Other fees for servicesPrograms $3,156 · Management $1,080$4,236
IX-12 Advertising and promotionPrograms $6,705 · Fundraising $8,920$15,625
IX-13 Office expensesPrograms $6,674 · Management $231 · Fundraising $160$7,065
IX-16 OccupancyPrograms $26,283 · Management $1,602 · Fundraising $150$28,035
IX-17 TravelPrograms $5,282 · Management $5,951 · Fundraising $1,413$12,646
IX-20 InterestPrograms $6,266$6,266
IX-21 Payments to affiliatesPrograms $4,800$4,800
IX-22 Depreciation, depletion and amortizationPrograms $26,520$26,520
IX-23 InsurancePrograms $25,711 · Management $1,664 · Fundraising $143$27,518
IX-24 Other expenses (24a–d)Programs $507,176 · Management $6,478 · Fundraising $505$514,159
IX-24e All other expensesPrograms $11,110 · Management $405 · Fundraising $5,018$16,533
IX-25 Total functional expensesPrograms $868,920 · Management $41,384 · Fundraising $30,529$940,833
Part X · Balance sheet $1,366,743 assets, 11 lines filed
Asset lines not itemized here account for $236,547; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $368,345$493,136
X-4 Accounts receivableStart of year $4,866$6,328
X-8 Inventories for sale or useStart of year $34,531$32,008
X-10c Land, buildings and equipment, netStart of year $533,382$514,840
X-15 Other assetsStart of year $159,173$83,884
X-16 Total assetsStart of year $1,357,131$1,366,743
X-17 Accounts payable and accrued expensesStart of year $17,932$12,444
X-26 Total liabilitiesStart of year $170,098$146,585
X-27 Net assets without donor restrictionsStart of year $1,187,033$1,220,158
X-32 Total net assets or fund balancesStart of year $1,187,033$1,220,158
X-33 Total liabilities and net assetsStart of year $1,357,131$1,366,743
Part XI · Reconciliation of net assets $1,220,158 net assets at year end
XI-1 Total revenue$973,958
XI-2 Total expenses$940,833
XI-3 Revenue less expenses$33,125
XI-4 Net assets at start of year$1,187,033
XI-10 Net assets at end of year$1,220,158

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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