Kentucky · Nonprofit
HABITAT FOR HUMANITY OF METRO LOUISVILLE
HABITAT FOR HUMANITY OF METRO LOUISVILLE (Kentucky) receives grants from 46 organizations whose IRS filings report $7,204,300 to it, the largest being THE COMMUNITY FOUNDATION OF LOUISVILLE INC ($1,266,103). 36 of them have funded it in more than one year.
- Revenue FY2025
- $16M
- Funders on record
- 46
- Grants received
- $7.2M
- Net assets
- $23M
What Habitat for Humanity of Metro Louisville does
Mission
Seeking to put god's love into action, habitat for humanity brings people together to build homes, communities and hope to realize our vision of a world where everyone has a decent place to live. Habitat for Humanity of Metro Louisville adheres to a strict non-proselytizing policy and 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.
As stated on its FY2025 Form 990.
Programs
Homeownership program: families in need of a decent place to live build safe and affordable homes in partnership with us. Habitat houses are modestly sized. They are large enough for the homeowner's family's needs, but small enough to keep construction and maintenance costs affordable. By using the labor of volunteers and prospective homeowners, employing efficient building methods, keeping house sizes modest, using donated construction materials and appliances, and issuing nonprofit loans, habitat makes its houses affordable for low income families to purchase. Affordable homeownership helps create the conditions that free families from instability, stress and fear and encourage self reliance and confidence. Studies show that strong and stable households are foundational to child development and growth. When a home fosters instead of hinders health and safety, families can flourish. Owning an affordable home also allows homeowners to lift up their entire family by saving for their futures and investing in educational opportunities, bolstering job opportunities and career growth. During fiscal year 2025, habitat of metro louisville served 192 families with housing solutions…
$6,831,349 spentof which $806,909 as grants$4,753,128 earned by the program55% of program spendingMortgage discounts: mortgages are discounted using an imputed interest rate that approximates the rate that an independent borrower and lender would have negotiated in a similar transaction. New mortgages equaling approximately $4.4 million were written and entered into in 2025 and were discounted to represent the present value of these zero interest loans. Imputed interest of 8.01% is used for mortgages in 2025.
$2,438,874 spent$1,763,719 earned by the program19% of program spendingRestore program: the purpose is to generate a sustainable source of income for habitat of metro louisville by diverting usable building materials, furniture and appliances from landfills and selling those donated items to the public. In 2025, we estimate that over 2.1 million pounds of materials were diverted from landfills.
$1,434,041 spent$1,675,856 earned by the program11% of program spendingHome preservation program: our home preservation program is an outreach initiative that seeks to provide a wide range of opportunities for low to moderate income homeowners, including veterans and seniors, who are struggling to maintain their homes because of age, disability or family circumstances. We partner with families to help them reclaim their homes with pride and dignity. The program allows families to stay in their home and avoid the uncertainty, trauma and expense of moving. Projects consist of interior and/or exterior repairs intended to alleviate critical health, life and safety issues or code violations. Volunteer teams work along with subcontractors under the direction habitat of metro louisville staff members to complete the repairs. In 2025, 161 homeowners were served in our home preservation program.
$1,821,329 spent$12,351 earned by the program15% of program spending
The 4 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $12,525,593.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2024 to 2025, from $24M to $30M (+26%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2021 14% · 2022 4% · 2023 7% · 2024 7% · 2025 8%. Grants only. Government contracts and fees sit inside program revenue.
49% of HABITAT FOR HUMANITY OF METRO LOUISVILLE’s revenue is contributions — more donation-reliant than the typical peer (13% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 1 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Robert D Locke
CEO
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 10 funders to 25 funders, grant income rose $218k → $1.2M.
14 of 46 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 39% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of HABITAT FOR HUMANITY OF METRO LOUISVILLE’s funders (the co-funder graph). Top 30 of 46 funders by total. Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
HABITAT FOR HUMANITY OF METRO LOUISVILLE has a broad base — no single funder exceeds 18% of grant income, and it takes 4 funders to reach half.
the vertical line marks half of all grant income — 4 funders to its left
81% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund HABITAT FOR HUMANITY OF METRO LOUISVILLE.
Largest funder’s share by year: 2017 39% · 2018 27% · 2019 50% · 2020 17% · 2021 26% · 2022 48% · 2023 21% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
62% of HABITAT FOR HUMANITY OF METRO LOUISVILLE's funders are still giving 3 years after their first grant; 78% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
52% of HABITAT FOR HUMANITY OF METRO LOUISVILLE's grant income comes from Kentucky funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $2.8M arriving through sponsors registered in 11 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
HABITAT FOR HUMANITY OF METRO LOUISVILLE runs a healthier operating margin than half of the 449 housing & shelter nonprofits its size.
this organization peer median middle 50% of peers· 449 housing & shelter nonprofits $10M–$100M, FY2025
Organizations like HABITAT FOR HUMANITY OF METRO LOUISVILLE
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Kentucky
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
90% of spending goes to programs.
Governance
Public support
92%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Part of a family of 4 related entities
- Habitat Home Improvement Place LLC · disregarded
- Santa Fe Crossing LLC · disregarded
- Park Springs 2 LLC · disregarded
- Park Springs LLC · partnership
Screen this organization
A dated, signed PDF of the compliance screen for HABITAT FOR HUMANITY OF METRO LOUISVILLE: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds HABITAT FOR HUMANITY OF METRO LOUISVILLE?
- HABITAT FOR HUMANITY OF METRO LOUISVILLE (Kentucky) receives grants from 46 organizations whose IRS filings report $7,204,300 to it, the largest being THE COMMUNITY FOUNDATION OF LOUISVILLE INC ($1,266,103). 36 of them have funded it in more than one year.
- How many funders does HABITAT FOR HUMANITY OF METRO LOUISVILLE have?
- IRS filings report 46 organizations giving $7,204,300 in grants to HABITAT FOR HUMANITY OF METRO LOUISVILLE, 36 of which have funded it in more than one year.
- Who is the largest funder of HABITAT FOR HUMANITY OF METRO LOUISVILLE?
- THE COMMUNITY FOUNDATION OF LOUISVILLE INC is the largest funder on record, with $1,266,103 in grants. The full list of funders is on this page.
- How can an organization like HABITAT FOR HUMANITY OF METRO LOUISVILLE find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Kentucky. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Habitat for Humanity of Metro Louisville →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 46 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing