Special Tax Benefits

Build affordable homeownership opportunities in Indiana

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Build Stronger Communities While Earning a 50% Indiana Tax Credit

The Indiana Attainable Homeownership Tax Credit (AHTC) program allows eligible taxpayers to receive a state tax credit equal to 50% of their donation while supporting affordable homeownership opportunities across Indiana. By participating in the program and designating Habitat for Humanity of Monroe County, you can help local families achieve the dream of homeownership while maximizing the impact of your charitable giving.

Ready to get started? Download the Donor Contribution Form or contact our team for assistance.

Download the Form

What is the Attainable Homeownership Tax Credit?

The Attainable Homeownership Tax Credit was created by the Indiana General Assembly to encourage charitable giving that supports affordable homeownership throughout the state. The program provides tax credits to eligible donors who make qualifying contributions to Habitat for Humanity of Indiana and designate a local affiliate, such as Habitat for Humanity of Monroe County, to receive the funds.

Every gift made through the program helps expand access to safe, affordable housing and creates more opportunities for local families to build a stronger future.

How the Tax Credit Works

When you make a qualifying donation through the AHTC program, you may receive a tax credit equal to 50% of your gift on your Indiana state tax return.

Your Donation

Your Indiana Tax Credit

$500

$250

$1,000

$500

$5,000

$2,500

$20,000

$10,000
  • Minimum qualifying donation: $500
  • Maximum qualifying donation: $20,000
  • Maximum annual tax credit: $10,000
  • Unused tax credits may be carried forward for up to five years

Please consult your tax advisor regarding your individual tax situation and eligibility.

Am I eligible?

Tax credits are available to individual taxpayers, small businesses, and corporations in the State of Indiana.

Eligible donors must make a qualifying contribution through Habitat for Humanity of Indiana and follow the required submission process.

Eligible AHTC gifts

The AHTC program accepts a variety of charitable contributions, including:

  • Cash donations
  • Checks
  • Credit card gifts
  • Stocks and bonds
  • Cryptocurrency
  • Approved land donations
  • Approved donations of new construction materials

Contributions made through donor-advised funds (DAFs), charitable trusts, and qualified charitable distributions (QCDs) may be eligible in certain circumstances. Because tax situations vary, we recommend consulting your tax advisor before making your gift.

Why give through the AHTC program?

Your gift through the Attainable Homeownership Tax Credit program creates a meaningful impact for local families while offering you significant tax benefits.

When you participate, you help more Monroe County families achieve affordable homeownership, increase the impact of your charitable dollars, invest in stronger neighborhoods and a more vibrant community.

How to make an AHTC gift?

  • Step 1: Complete the Donor Contribution Form: Download and complete the Attainable Homeownership Tax Credit Donor Contribution Form.
  • Step 2: Prepare Your Donation: Make your check payable to Habitat for Humanity of Indiana. Be sure to indicate Habitat for Humanity of Monroe County on your form and in the memo line so your gift benefits our local affiliate.
  • Step 3: Submit Your Form and Donation: Mail your completed form and donation to:

Habitat for Humanity of Indiana
101 W. Ohio St., Suite 2000
Indianapolis, IN 46204

  • Step 4: Claim Your Tax Credit: Habitat for Humanity of Indiana will process your donation and provide the documentation needed to claim your Indiana state tax credit.

Ready to get started? Download the Donor Contribution Form or contact our team for assistance.

Download the Form

IRA Charitable Rollover

If you are age 70 1/2 or older, you may be eligible to make a tax-wise gift directly from your Individual Retirement Account (IRA) to Habitat for Humanity of Monroe County.

An IRA Charitable Rollover, also known as a Qualified Charitable Distribution (QCD), may allow you to satisfy part or all of your annual Required Minimum Distribution (RMD) while excluding the donated amount from your taxable income. Because retirement account rules and RMD requirements have changed in recent years, we encourage you to consult your financial advisor or tax professional regarding your eligibility.

Please share the following information with your IRA administrator:

Designation: Habitat for Humanity of Monroe County
Tax ID #: 35-1753977

For IRA contributions, please ask your administrator to include your name with the donation so we can properly acknowledge your gift.

Donor-Advised Funds

A Donor-Advised Fund (DAF) provides a simple and flexible way to support Habitat for Humanity of Monroe County.

If you have established a DAF, you can recommend a one-time or recurring grant that helps expand affordable homeownership opportunities for local families.

Please share the following information with your DAF administrator:

Designation: Habitat for Humanity of Monroe County
Tax ID #: 35-1753977

You may also choose to name Habitat for Humanity of Monroe County as a beneficiary of your Donor-Advised Fund, creating a lasting legacy that supports future generations of homeowners.

Stock & Bond Gifts

A gift of appreciated stock or bonds can create a meaningful impact for local families while potentially providing valuable tax benefits.

In many cases, donors who contribute securities they have owned for more than one year may receive a charitable deduction for the full fair market value of the asset and avoid paying capital gains tax on any appreciation.

If you are interested in making a gift of stock or bonds, please contact our team to discuss transfer instructions and next steps.

Frequently Asked Questions

The tax credit is equal to 50% of your qualifying donation, up to a maximum annual credit of $10,000.

Unused tax credits may be carried forward for up to five years, subject to applicable tax regulations.

Yes. Qualified small businesses and corporations are eligible to receive tax credits through the program.

Yes. Stocks, bonds, approved land donations, and certain other qualifying gifts may be eligible.

Please consult your financial advisor or tax professional for guidance.

To qualify for the tax credit, gifts must be made through Habitat for Humanity of Indiana and designated to Habitat for Humanity of Monroe County.

Yes. Tax laws and individual circumstances vary, so we encourage all donors to consult a qualified tax professional before making a tax-credit gift.

Questions?

Contact us to learn more about the Attainable Homeownership Tax Credit

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