Seeking to put god's love into action, Indian River Habitat for humanity develops housing solutions guided by the needs of its family, partners and the community.

501(c)(3) charity; gifts are tax-deductible.
94¢ of each $1 spent went to programs.
Run by 323 volunteers and 54 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
5 of 5
filings with a surplus
Average surplus $673K a year · 8% of revenue · last 5 filings
Looks good: a surplus in 5 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
94%
of spending
Looks good: 94% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$270K
to officers and key staff · 2% of spending
Looks good: pay to officers and key staff is 2% of spending; 15% or less.
Pt VII · Sec A
1 mo
of spending, in cash
Plus $1.5M in investments, Pt X · Ln 11–13
Fine: 1.1 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
11
named funders · $733K
Looks good: 11 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$4.5M
20% of total assets
Looks good: liabilities are 20% of assets; 50% or less.
Pt X · Ln 26
Independent board members
13
of 13 voting members
Looks good: 13 of 13 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$13.4M
+32% vs prior year
Spent
$12.9M
To programs
94%
Net assets
$17.3M
By yearFY2021–FY2025
Revenue
$13.4M
FY2025▲ +32%
Tap a bar for its year
Revenue by fiscal year
FY2021$5.6M
FY2022$5.6M
FY2023$8.2M
FY2024$10.2M
FY2025$13.4M
Expenses
$12.9M
FY2025▲ +37%
Tap a bar for its year
Expenses by fiscal year
FY2021$4.8M
FY2022$5.3M
FY2023$7.2M
FY2024$9.4M
FY2025$12.9M
Net assets
$17.3M
FY2025▲ +3%
Tap a bar for its year
Net assets by fiscal year
FY2021$14.8M
FY2022$15.0M
FY2023$16.0M
FY2024$16.8M
FY2025$17.3M

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

94 cents of each dollar spent went to programs.

Program services 94% · $12.1M Management & general 2% · $318K Fundraising 4% · $461K

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

15 people listed on the 990; $270K 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/CEO
$162,429Pt VII · Sec A
$107,525Pt VII · Sec A
Vice Chair
$0Pt VII · Sec A
Chairman
$0Pt VII · Sec A
Secretary
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
Past Chair
$0Pt VII · Sec A

Compensation history total reportable pay by year · 3 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021
Sheryl S Vittitoe———$188,610$148,503
Trevor Loomis$162,429$155,327$141,124——
Barbara Middleton$107,525————

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 Indian River County Habitat 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 families in need, guided by community needs.

Questions for Indian River County Habitat

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Provided by the organization

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3 programs · $12.1M · in their own filed words · FY2024
01

Home Ownership Program

Habitat for Humanity partners with families in need to build safe, decent, and energy efficient homes. Our homes are designed for lasting affordability and to meet the needs of homeowner families.

$9.4Mprogram expense
02

Habitat's Restore

Habitat's ReStore serves a dual purpose: generating revenue to support our affordable homeownership program and offering home furnishings, appliances, building materials, and other essential items to homeowners and the public at significantly reduced prices.

$1.6Mprogram expense
03

Neighborhood Revitalization Program

Indian River Habitat's Neighborhood Revitalization Program (NR) is a focused housing outreach program that offers affordable critical repairs to qualifying homeowners in Indian River County.

$1.2Mprogram 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
See all 11 funders →

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$13.4M
Ln 12
Fees for servicesLn 2g$6.8M
Gifts and grantsLn 1h$6.4M
Investment incomeLn 3$148K
Money outPt IX
$12.9M
Ln 25
Programscol B$12.1M
Managementcol C$318K
Fundraisingcol D$461K
Owns and owesPt X
$17.3M
net assets · Ln 32
Cash and savingsLn 1–2$1.2M
Total assetsLn 16$21.8M
LiabilitiesLn 26$4.5M
PeoplePt VI, VII
15
listed · VII A
PaidVII A2
Voting boardVI 1a13
IndependentVI 1b13
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$6.4M
Government grantsLn 1e$847K
Noncash giftsLn 1g$2.9M
Fundraising eventsLn 1c$855K
Fees for servicesLn 2g$6.8M
Investment incomeLn 3$148K
Other incomeLn 4–11$49K
Gains on assetsLn 7$12K
Total revenueLn 12$13.4M
Assets in detailPt X, end of year
CashLn 1$633K
SavingsLn 2$535K
Cash and savings togetherLn 1–2$1.2M
InvestmentsLn 11–13$1.5M
Land, buildings, equipmentLn 10c$3.8M
Other assetsLn 15$7.0M
Total assetsLn 16$21.8M
LiabilitiesLn 26$4.5M
Net assetsLn 32$17.3M
OperationsPt I, VI
EmployeesI 554
VolunteersI 6323
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$2.1M$1.2M
InvestmentsLn 11–13$2.5M$1.5M
Land, buildings, equipmentLn 10c$6.3M$3.8M
Total assetsLn 16$21.2M$21.8M
LiabilitiesLn 26$4.4M$4.5M
Net assetsLn 32$16.8M$17.3M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$314K$260K$23K$30K
Other salaries and wagesLn 7$2.5M$2.1M$189K$241K
Other employee benefitsLn 9$381K$326K$18K$37K
Payroll taxesLn 10$207K$176K$10K$20K
Legal feesLn 11b$15K$12K$3K
Accounting feesLn 11c$31K$31K
Investment management feesLn 11f$4K$4K
Other fees for servicesLn 11g$138K$119K$0$19K
Advertising and promotionLn 12$79K$79K$522
Office expensesLn 13$383K$293K$22K$68K
OccupancyLn 16$289K$271K$7K$12K
TravelLn 17$15K$9K$585$5K
InterestLn 20$2K$2K
Depreciation, depletion and amortizationLn 22$199K$192K$3K$4K
InsuranceLn 23$181K$162K$8K$12K
Other expenses (24a–d)Ln 24$8.2M$8.2M
All other expensesLn 24e$37K$27K$0$11K
Total functional expensesLn 25$12.9M$12.1M$318K$461K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $13.4M$12.9M$501K$17.3M 990 PDF
FY2024 $10.2M$9.4M$764K$16.8M 990 PDF
FY2023 $8.2M$7.2M$997K$16.0M 990 PDF
FY2022 $5.6M$5.3M$240K$15.0M 990 PDF
FY2021 $5.6M$4.8M$865K$14.8M 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 J · Pay O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $13,417,793 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $3,998,637$6,438,160
I-9 Program service revenuePrior year $5,076,449$6,783,367
I-10 Investment incomePrior year $102,371$147,624
I-11 Other revenuePrior year $1,019,584$48,642
I-12 Total revenuePrior year $10,197,041$13,417,793
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $3,090,225$3,388,072
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $6,342,695$9,529,075
I-18 Total expensesPrior year $9,432,920$12,917,147
I-19 Revenue less expensesPrior year $764,121$500,646
Part VI · Governance 13 of 13 board members independent, no flags
VI-1a Voting members of the governing body13
VI-1b Independent voting members13
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 $13,417,793 across 15 lines filed
VIII-1a Federated campaigns$400,000
VIII-1b Membership dues$0
VIII-1c Fundraising events$854,911
VIII-1d Related organizations$0
VIII-1e Government grants$847,000
VIII-1f All other contributions, gifts and grants$4,336,249
VIII-1g Noncash contributions (included above)$2,862,534
VIII-1h Total contributions, gifts and grants$6,438,160
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $6,783,367$6,783,367
VIII-3 Investment incomeExcluded from tax $135,457$135,457
VIII-6 Net rental income or lossExcluded from tax $44,209$44,209
VIII-7 Net gain or loss on sales of assetsExcluded from tax $12,167$12,167
VIII-8 Net income from fundraising eventsExcluded from tax −$42,534−$42,534
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $46,967$46,967
VIII-12 Total revenueRelated to mission $6,830,334 · Unrelated business $0 · Excluded from tax $149,299$13,417,793
Part IX · Statement of functional expenses $12,917,147 across 17 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $260,043 · Management $23,381 · Fundraising $30,434$313,858
IX-7 Other salaries and wagesPrograms $2,056,598 · Management $188,508 · Fundraising $240,960$2,486,066
IX-9 Other employee benefitsPrograms $325,733 · Management $18,444 · Fundraising $37,320$381,497
IX-10 Payroll taxesPrograms $176,445 · Management $9,991 · Fundraising $20,215$206,651
IX-11b Legal feesPrograms $11,747 · Management $3,340$15,087
IX-11c Accounting feesManagement $31,000$31,000
IX-11f Investment management feesManagement $3,972$3,972
IX-11g Other fees for servicesPrograms $118,967 · Management $0 · Fundraising $19,150$138,117
IX-12 Advertising and promotionPrograms $78,759 · Fundraising $522$79,281
IX-13 Office expensesPrograms $293,238 · Management $21,625 · Fundraising $67,680$382,543
IX-16 OccupancyPrograms $270,648 · Management $6,751 · Fundraising $12,071$289,470
IX-17 TravelPrograms $8,891 · Management $585 · Fundraising $5,339$14,815
IX-20 InterestPrograms $2,208$2,208
IX-22 Depreciation, depletion and amortizationPrograms $192,453 · Management $2,678 · Fundraising $4,207$199,338
IX-23 InsurancePrograms $161,653 · Management $7,575 · Fundraising $11,887$181,115
IX-24 Other expenses (24a–d)Programs $8,154,792$8,154,792
IX-24e All other expensesPrograms $26,590 · Management $0 · Fundraising $10,747$37,337
IX-25 Total functional expensesPrograms $12,138,765 · Management $317,850 · Fundraising $460,532$12,917,147
Part X · Balance sheet $21,796,919 assets, 17 lines filed
Asset lines not itemized here account for $7,512,903; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $2,138,789$633,098
X-2 Savings and temporary cash investments$534,501
X-4 Accounts receivableStart of year $30,972$20,450
X-8 Inventories for sale or useStart of year $2,545,768$584,956
X-9 Prepaid expenses and deferred charges$192,080
X-10c Land, buildings and equipment, netStart of year $6,281,404$3,796,682
X-11 Publicly traded securitiesStart of year $2,543,316$1,531,801
X-15 Other assetsStart of year $535,531$6,990,448
X-16 Total assetsStart of year $21,153,172$21,796,919
X-17 Accounts payable and accrued expensesStart of year $670,925$703,773
X-24 Unsecured notes and loans payableStart of year $40,264$15,974
X-25 Other liabilitiesStart of year $40,607$700,000
X-26 Total liabilitiesStart of year $4,371,990$4,459,852
X-27 Net assets without donor restrictionsStart of year $16,260,761$16,690,280
X-28 Net assets with donor restrictionsStart of year $520,421$646,787
X-32 Total net assets or fund balancesStart of year $16,781,182$17,337,067
X-33 Total liabilities and net assetsStart of year $21,153,172$21,796,919
Part XI · Reconciliation of net assets $17,337,067 net assets at year end
XI-1 Total revenue$13,417,793
XI-2 Total expenses$12,917,147
XI-3 Revenue less expenses$500,646
XI-4 Net assets at start of year$16,781,182
XI-5 Net unrealized gains (losses) on investments$32,476
XI-6 Donated services and use of facilities$22,763
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$17,337,067

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

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