Habitat for Humanity of Greater Sacramento Inc

What it reported doing in 2024

Founded in 1985, Habitat for Humanity of Greater Sacramento brings people together to build and preserve affordable homeownership opportunities for qualified low-income families, seniors, and veterans in Sacramento and Yolo Counties, and uplifts and revitalizes under-served neighborhoods and communities in the greater Sacramento region. Habitat for Humanity of Greater Sacramento is the local, independent affiliate of Habitat for Humanity International. We are locally governed, raise funds, and build locally in Sacramento and Yolo Counties.During the year ended June 30, 2025, Habitat for Humanity of Greater Sacramento impacted over 8,000 under-served individuals in Sacramento and Yolo Counties through home build, home repair, and community projects. The majority of individuals served through Habitat were BIPOC, women, and children. Additionally, through our global tithe, Habitat Greater Sacramento positively impacted families in Nicaragua.Habitats homeownership program serves low and fixed-income families (earning between 30-80% of the Sacramento and Yolo County Area Median Income as determined by HUD) through the opportunity to build and purchase their first home with an affordable, 30-year 0% interest-equivalent mortgage after putting in 500 hours of sweat equity. Homeowners pay a monthly mortgage including principal, property taxes and insurance. Through affordable homeownership, hardworking, low-income families have the opportunity for safe, stable shelter and to build equity and assets for their family. During the fiscal year ended June 30, 2025 Habitat developed, built and sold 6 homes. At year end closing, there were an additional 10 under construction and infrastructure underway for 26 more.Habitat homes build much more than homeownership opportunities alone: Physical and Mental Health: 74% of local Habitat families reported an improvement in overall health. Stable, safe, and affordable housing reduces the stresses related to financial instability, reduces the likelihood of residence-induced illnesses (mold, pests, lack of basic necessities), and has been proven to have a positive impact on youth neurological and psycho-social development.Equity: The ownership gap between Black and white Americans is larger now than in the 1960s. The majority of Habitat homeowners in the state of California are BIPOC.Financial Health: Through first-time home buyer education, we teach families and individuals how to budget, improve credit, and increase generational wealth through home ownership.Educational Outcomes: More than half of Habitat homeowners statewide have reported that at least one member of their household has been able to pursue a dream of higher education after moving into their affordable home.Workforce Development Opportunities: for a variety of construction trades training programs.In addition to Habitats homeownership program, Habitats Neighborhood Revitalization program serves low-income homeowners (primarily seniors and veterans) earning under 80% of the Area Median Income in Sacramento and Yolo Counties with home preservation and repair services. This work aims to preserve the existing affordable housing stock in our community. Also, part of our Neighborhood Revitalization program, Habitat operates with an additional focus on serving under-invested neighborhoods through community impact initiatives such our Rock the Block which occurs annually in the Oak Park neighborhood of Sacramento and the Bryte/Broderick neighborhood of West Sacramento. This initiative is centered on making a long-term commitment of a minimum of 5-years in a geographic area to realize impact over time and works in partnership with residents to identify and improve existing assets (community impact projects) such as community and school gardens, parks, play spaces and public art in addition to completing home preservation projects. In total under our Neighborhood Revitalization Program, we completed 68 home preservation projects and 10 community

Financial Efficiency

• Mission deployment rate: 64%; rating input score 64
• Program expense ratio: 78.8%; rating input score 79
• Fundraising efficiency: $8.86 raised per $1 spent on fundraising; rating input score 35; 35th percentile among comparable filings

Transparency & Controls

• Consistency checks: 94.4%; rating input score 94; 22nd percentile among comparable filings
• Pay-setting controls: 2 of 6 controls in place; rating input score 33
  • Compensation committee: Missing
  • Independent consultant: Missing
  • Other Form 990s reviewed: Missing
  • Written employment contract: Pass
  • Compensation survey or study: Missing
  • Board or committee approval: Pass
• Foreign activity oversight: Limited
• Grant itemization coverage: 100%; rating input score 100; 72nd percentile among comparable filings
• Major donor itemization: Yes; rating input score 100
• Related-party transparency: Limited

Accountability

• Independent voting board: 100%; rating input score 100; 66th percentile among comparable filings
• Governance controls: 9 of 9 controls in place; rating input score 100
  • Conflict-of-interest policy: Pass
  • Whistleblower policy: Pass
  • Document-retention policy: Pass
  • CEO compensation review process: Pass
  • Other executive compensation review process: Pass
  • Form 990 shared with the board: Pass
  • Board meeting minutes documented: Pass
  • Audit committee oversight: Pass
  • Independent financial-statement audit: Pass

Sustainability

• Operating margin: 19.6%; rating input score 82; 82nd percentile among comparable filings
• Total-asset coverage ratio: 2.44; rating input score 68; 68th percentile among comparable filings
• Liabilities to assets ratio: 0.25; rating input score 53; 53rd percentile among comparable filings
• Officer compensation ratio: 6.2%; rating input score 41; 41st percentile among comparable filings

Growth

• Program expense growth: 13.4% per year; rating input score 100; 80th percentile among comparable filings
• Revenue growth: 14.6% per year; rating input score 100; 86th percentile among comparable filings
• Asset growth: 11.1% per year; rating input score 100; 69th percentile among comparable filings