Build Your Own Home

Our Home Ownership program assists households in the construction of new homes. Groups working together under PSHH supervision are taught the construction skills necessary. Each household contributes approximately 40+ hours per week of ‘sweat-equity’, over a 12-13 month period.

This ‘sweat-equity’, used in lieu of a cash down payment, and with the help of a low interest mortgage, helps low-income families become homeowners. The collective-effort model coupled with a sense of pride builds community and has been an important part of our organization for over 50 years.

Although each county has different income qualifications, below is an example of the general eligibility requirements:

SLO County Maximum income limits:
        – 1 to 4 person household – $87,500
        – 5 or more person household – $115,500
• Commitment to work 40+ hours a week to building your home
Borrower must be a U.S. Citizen or Permanent Resident
• Annual income at least $48,000, good credit and rental history

For additional assistance, please contact us at

Map of PSHH Home Ownership Neighborhoods

Applications Available Now:

Please complete the online application to apply for our next home ownership project: Summer Holly Lane in Nipomo, CA.

All complete intake forms must be received by 5PM on Friday, February 3, 2023 to be in the lottery which will determine the order to process the applications. The lottery will be held on Tuesday, February 7 at 8AM, at the San Luis Obispo County Board of Supervisors Chambers (1055 Monterey Street, San Luis Obispo). Applicants are welcome to attend the lottery but attendance is not required.

Summer Holly Lane

Located in Nipomo, this new construction will have owner-builders constructing a neighborhood of 10 two-story homes located at the intersection of West Branch and North Thompson. The homes have 3 bedrooms, 2½ bathrooms and two car garages. They will also come equipped with energy-efficient features and PV solar.

• Annual income of at least $48,000
• Good credit and rental history
• Commitment to work 40+ hours per week in Nipomo building the homes, mostly on weekends
• Borrower must be a U.S. Citizen or Permanent Resident
• San Luis Obispo County Maximum Income Limits:
1 – 4 people  $87,500 | 5 – 8 people  $115,000

If unable to complete the digital application, you can download a PDF version here in English and here in Spanish and return to 1060 Kendall Road, San Luis Obispo, CA 93401. Please email with any questions.

Click the box in the top-left corner to view all the neighborhoods built through our home ownership program!