Housing & Shelter (L20Z) IRS Verified DX Registered 990 on File

HABITAT FOR HUMANITY INTERNATIONAL INC

EIN: 35-1758438 · KOKOMO, IN 46903-0158 · United States · FY 2023 Data

3 out of 5 56 / 100 Based on one year of filings

Financial strength (30%) 86/100

Reliability (20%) 55/100

Effectiveness (25%) 78/100

Impact (25%) No data yet

Financial data: FY 2023 · Scored 9/13/2026

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Financial Overview — FY 2023

$468K

Total Revenue

$396K

Total Expenses

$711K

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 91.6%

Fundraising Efficiency N/A

Operating Reserve 21.53x

Liability-to-Asset 0.7%

Revenue Diversification 78.1%

Compared with Peers

FY 2023

Compared with 7,651 similar organizations (United States, Housing & Shelter, $100K–$1M in expenses), FY 2023.

This organization Middle half of peers (P25–P75) Peer median

Ratio	This org	Peer median	Position (P10 → P90)
Program expense ratio Program expenses / total expenses · higher is better	91.6%	87.5%	P10P90	Above median
Admin expense ratio Management and general / total expenses · lower is better	7.2%	11.6%	P10P90	Above median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	1.1%	0.0%	P10P90	Bottom quarter
Operating reserve Months of expenses covered by net assets · higher is better	21.5 mo	13.3 mo	P10P90	Above median
Liabilities to assets Total liabilities / total assets · lower is better	0.7%	27.0%	P10P90	Top quarter
Revenue concentration Share of revenue from the largest source · lower is better	78.1%	92.2%	P10P90	Above median
Revenue growth Year over year revenue growth	383.5%	4.4%	P10P90
Expense growth Year over year expense growth	205.0%	4.9%	P10P90
Surplus margin Surplus as a share of revenue	15.4%	-7.3%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2023	$468K	$396K	$711K	91.6%	2
2022	$97K	$130K	N/A	—	1
2021	$292K	$264K	N/A	—	1
2020	$101K	$103K	N/A	—	1
2019	$90K	$46K	N/A	—	1

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Organization Details

EIN: 35-1758438
State: IN
City: KOKOMO
ZIP: 46903-0158
Classification: L20Z
Category: Housing & Shelter
Rating: 3★
Coverage: B
Last Updated: Aug 2026
IRS Ruling Year: 1988
Foundation Code: 15
Form 990: On File

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CharityAI™ rates charities from 0 to 100 using public filings (IRS Form 990 and the equivalent registries outside the US) together with the information the charity itself provides on DonationX. Ratings are recalculated every quarter, without human bias, and shown as stars.

Four pillars

Financial strength30%

Program expense ratio, fundraising efficiency, operating reserves, liabilities and revenue diversification, compared with similar organizations.

Reliability20%

Standing with the registry, filing history, verification and how complete the profile is.

Effectiveness25%

How much goes to programs and how consistently the organization delivers them.

Impact25%

The outcomes the charity reports on DonationX: people served, cost per service and results.

Stars

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The coverage grade (A to D) says how much filing data the score rests on; NONE means there is not enough to rate.
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