“Don’t let what you cannot do interfere with what you can do.” John Wooden

Newly built house

The need for "affordable housing" in Vermont presents a complex challenge. Fortunately, for Vermonters, there are many organizations, including Habitat, that provide considerable assistance to people in need of help with housing related concerns. We put together this page of our web site with the goal of increasing awareness about sources of assistance. In addition, we have included some links to some recent publications that provide additional background about the housing challenge and the work that is being done in Vermont.

Sources of Assistance

Bennington -Rutland Opportunity Council, Inc. (BROC)

  • Money Debt Management
  • Mortgage Delinquency and Default Resolution Counseling
  • Post purchase Counseling
  • Renters Assistance
  • Services for Homeless

Committee on Temporary Shelter (COTS)
Shelter and services for the homeless in Vermont: 800-327-6778

  • Home buyer Education Programs
  • Loss Mitigation
  • Money Debt Management
  • Mortgage Delinquency and Default Resolution Counseling
  • Pre-purchase Counseling
  • Renters Assistance

CCCS of New Hampshire & Vermont Rutland County Land Trust
This email address is being protected from spambots. You need JavaScript enabled to view it.
128 Merchants Row, Rutland, VT

  • Pre-purchase Counseling

National Council of State Housing Agencies
With links to other housing agencies around the country

NeighborWorks® HomeOwnership Centers of Vermont

A statewide organization dedicated to expanding homeownership opportunities for Vermonters

  • Home Improvement and Rehabilitation Counseling
  • Homebuyer Education
  • Marketing and Outreach Initiatives
  • Money Debt Management
  • Mortgage Delinquency and Default Resolution Counseling
  • Post-purchase Counseling
  • Predatory Lending
  • Pre-purchase Counseling
  • Renters Assistance
  • Services for Homeless

New England Resident Service Coordinators Inc. (NERSC)
Expanding and enhancing the profession of resident service coordination throughout New England

Recipes for Financial Fitness
Want to get a better control on your finances? Check out Habitat’s interactive financial toolkit that provides ongoing financial education and resources to Habitat homeowners and the general public. The toolkit includes several helpful topics, such as controlling finances, credit basics, finding a better-paying job and getting an education.

Safe at Home
Address confidentiality program within the Secretary of State's office that assists victims of domestic violence, sexual assault, and stalking who have relocated to keep their perpetrators from finding them.

U.S. Department of Agriculture/Rural Development
Helps households, communities, nonprofit agencies and small businesses in rural Vermont with financing and other forms of assistance

U.S. Department of Housing and Urban Development
Increasing homeownership, supporting community development and increasing access to affordable housing free from discrimination

Vermont Affordable Housing Coalition*
Committed to ensuring all Vermonters have decent, safe and affordable housing

Vermont Coalition to End Homelessness*
Online home of the Continuum of Care and the Statewide Inter agency Council on Homelessness.

Vermont Community Loan Fund
A source for small business, community facility, and affordable housing financing for Vermonters.

Vermont Department of Housing & Community Affairs
Dealing with Vermont's land use planning, historic preservation, community development and housing programs.

Vermont Homeownership Initiative
A collaborative effort of the HomeOwnership Centers in Vermont to help 1,000 low- and moderate-income families become homeowners

Vermont Housing Awareness Campaign*
Working to address Vermont's housing shortage by promoting planning and development of housing for all Vermonters.

Vermont Housing and Conservation Board
Providing grants, loans and technical assistance for the development of perpetually affordable housing and for the conservation of land and properties.· As of March 2011, VHCB has helped Vermont Habitat affiliates build 84 homes through their grant program.

Vermont Housing Data*
A central, searchable repository of Vermont housing data. Includes the Directory of Affordable Rental Housing (DoARH).

Vermont Housing Financing Agency
VHFA's mission is to finance and promote affordable, safe and decent housing opportunities for low- and moderate-income Vermonters. Please click on VHFA to learn more. There is a lot of information about ways to rent or to purchase work force housing. In addition, VHFA has put together most of the links on this page to information that is an invaluable resource about help for housing in Vermont.

Vermont Law Help
Vermont's free legal help Web site presented by Legal Services Law Line of Vermont and Vermont Legal Aid

Vermont Resident Service Coordinators*
Providing educational and peer support to resident service coordinators in Vermont.

Vermont State Housing Authority
A provider and administrator of affordable housing programs

Vermont Statewide Housing Conference*
Vermont's biennial gathering of housing professionals

Vermont Tenants Inc.
A program of the Champlain Valley Office of Economic Opportunity Inc.
*= Sites developed by VHFA

Recent Publications

Difficult Choices: Housing for Vermont Families 2015 underscores that the challenge for Vermont is greater than ever. Click on the link to read more. This is essential reading for anyone concerned about affordable housing in Vermont.

Public Policy Briefs - Recent studies have shown that the potential benefits of homeownership include increased household wealth, improved physical and mental health, better cognitive achievement in children, and residents more active in the community. In light of this growing evidence, Habitat for Humanity examines local and national policies to determine how they can be enhanced or changed to provide increased access to affordable housing, and thus improve the lives of low-income people in the United States and around the world.

Below is a list of public policy briefs and resources. If you would like more information about Habitat's public policy work, please contact Susan Corts Hill at This email address is being protected from spambots. You need JavaScript enabled to view it..

Public Policy Briefs:

Homeownership Development Tax Credit
Federal Regulation of Government Sponsored Enterprises
Affordable Housing Trust Fund
Appropriations: Department of Housing and Urban Development (HUD)
Property Rights for Women
Reform of U.S. Domestic Disaster Recovery Policy
Predatory Lending