Habitat for Humanity Cape May County Subordinate

To build strength, stability and self-reliance through affordable homeownership.

aka Habitat Cape May   |   Cape May Court House, NJ   |
GuideStar Charity Check

Habitat for Humanity Cape May County

EIN: 22-3351733  Subordinate info


Driven by a vision that everyone deserves a decent place to live, Habitat for Humanity Cape May promotes strength, stability and self reliance through affordable homeownership in Cape May County, NJ. Families partner with Habitat Cape May to build, preserve and finance a place to call home. We advocate for policy and systems change to improve home affordability with a focus on homeownership opportunities.

Ruling year info


Executive Director

Sarah Matthews

Main address

20 Court House S. Dennis road

Cape May Court House, NJ 08210 USA

Show more contact info



Subject area info

Housing development


Shelter and residential care

Population served info

Low-income people

NTEE code info

Housing Development, Construction, Management (L20)

Christian (X20)

IRS subsection

501(c)(3) Public Charity

IRS filing requirement

This organization is required to file an IRS Form 990 or 990-EZ.

Tax forms



Programs and results

What we aim to solve

SOURCE: Self-reported by organization

Families across the United States pay too much for their home. Rent and homeownership costs are skyrocketing, and wages are not keeping pace. Families should never have to spend more than 30% of their income on a home. Unfortunately, even before the COVID19 pandemic, over 18 million households were paying half or more of their income on a place to live. Habitat Cape May will act swiftly by increasing housing production, enhance homeowner stability and influence policies and systems that improve and promote housing supply and preservation and create communities of opportunity. No matter who we are or where we come from, we all deserve to have a decent life. We deserve to feel strength and stability day after day. We deserve to know we have the power to take care of ourselves and build our own futures. With just a little help, families can achieve the positive outcomes made possible by having a strong roof over their heads and a solid foundation under their feet.

Our programs

SOURCE: Self-reported by organization

What are the organization's current programs, how do they measure success, and who do the programs serve?

Affordable Homeownership

Habitat Cape May empowers low-income families through homeownership. Habitat families contribute 300 hours of sweat equity build their community, make a down payment, and pay a 0%, 30 year mortgage to own their home.

Population(s) Served
Low-income people

Where we work

Our Sustainable Development Goals

SOURCE: Self-reported by organization

Learn more about Sustainable Development Goals.

Goals & Strategy

SOURCE: Self-reported by organization

Learn about the organization's key goals, strategies, capabilities, and progress.

Charting impact

Four powerful questions that require reflection about what really matters - results.

See our Building IMPACT 3 year plan.

See our Building IMPACT 3 year plan.

Improved financial oversight and administration has demonstrated an ability to move forward that is unprecedented. Utilizing third party mortgage financing has allowed Habitat CM to reinvest home sale revenue immediately back into home production and continues to cycle throughout our construction plans. The expected revenue loss on each home, in order for it to remain affordable to the buyer, is supplemented by a strong and successful resale operation in our ReStore.

Six months into year one of the three year plan, when this was written, we have accomplished four of the nine Habitat CM objectives toward our three year goals. As a small affiliate, doubling housing production is monumental. To have land prepared to build and synchronize the application and selection process of partner families in need, who also qualify for mortgage financing, is tricky at best. We have taken measures that result in better process and orchestration of building a home with a volunteer workforce and a partner family in need. As we continue to develop better systems, we can filter in shorter, smaller projects to help keep current homeowners in a stable and safe environment that meets their needs.

How we listen

SOURCE: Self-reported by organization

Seeking feedback from people served makes programs more responsive and effective. Here’s how this organization is listening.

done We demonstrated a willingness to learn more by reviewing resources about feedback practice.
done We shared information about our current feedback practices.
  • How is your organization using feedback from the people you serve?

    To identify and remedy poor client service experiences, To identify bright spots and enhance positive service experiences, To make fundamental changes to our programs and/or operations, To inform the development of new programs/projects, To strengthen relationships with the people we serve

  • Which of the following feedback practices does your organization routinely carry out?

  • What challenges does the organization face when collecting feedback?

    We don't have any major challenges to collecting feedback


Habitat for Humanity Cape May County
Fiscal year: Jul 01 - Jun 30
Financial documents
2021 Habitat Cape May 2021 990 2020 Financial Audit
done  Yes, financials were audited by an independent accountant. info

Revenue vs. expenses:  breakdown

SOURCE: IRS Form 990 info
Note: When component data are not available, the graph displays the total Revenue and/or Expense values.

Liquidity in 2022 info

SOURCE: IRS Form 990


Average of 7.12 over 10 years

Months of cash in 2022 info

SOURCE: IRS Form 990


Average of 4.3 over 10 years

Fringe rate in 2022 info

SOURCE: IRS Form 990


Average of 10% over 10 years

Funding sources info

Source: IRS Form 990

Assets & liabilities info

Source: IRS Form 990

Financial data

SOURCE: IRS Form 990

Habitat for Humanity Cape May County

Revenue & expenses

Fiscal Year: Jul 01 - Jun 30

SOURCE: IRS Form 990 info

Fiscal year ending: cloud_download Download Data

Habitat for Humanity Cape May County

Balance sheet

Fiscal Year: Jul 01 - Jun 30

SOURCE: IRS Form 990 info

The balance sheet gives a snapshot of the financial health of an organization at a particular point in time. An organization's total assets should generally exceed its total liabilities, or it cannot survive long, but the types of assets and liabilities must also be considered. For instance, an organization's current assets (cash, receivables, securities, etc.) should be sufficient to cover its current liabilities (payables, deferred revenue, current year loan, and note payments). Otherwise, the organization may face solvency problems. On the other hand, an organization whose cash and equivalents greatly exceed its current liabilities might not be putting its money to best use.

Fiscal year ending: cloud_download Download Data

Habitat for Humanity Cape May County

Financial trends analysis Glossary & formula definitions

Fiscal Year: Jul 01 - Jun 30

SOURCE: IRS Form 990 info

This snapshot of Habitat for Humanity Cape May County’s financial trends applies Nonprofit Finance Fund® analysis to data hosted by GuideStar. While it highlights the data that matter most, remember that context is key – numbers only tell part of any story.

Created in partnership with

Business model indicators

Profitability info 2018 2019 2020 2021 2022
Unrestricted surplus (deficit) before depreciation -$49,091 -$19,776 -$64,865 $130,415 $490,072
As % of expenses -6.0% -1.9% -10.0% 16.3% 42.3%
Unrestricted surplus (deficit) after depreciation -$75,167 -$46,434 -$99,450 $95,872 $459,629
As % of expenses -8.9% -4.3% -14.5% 11.5% 38.7%
Revenue composition info
Total revenue (unrestricted & restricted) $767,878 $1,041,372 $585,469 $931,013 $1,648,375
Total revenue, % change over prior year 99.1% 35.6% -43.8% 59.0% 77.1%
Program services revenue 1.8% 15.1% 1.1% 0.7% 24.7%
Membership dues 0.0% 0.0% 0.0% 0.0% 0.0%
Investment income 0.0% 0.0% 0.0% 0.0% 0.0%
Government grants 0.0% 0.0% 2.6% 3.2% 6.0%
All other grants and contributions 13.2% 23.0% 15.7% 19.8% 17.7%
Other revenue 85.0% 61.8% 80.6% 76.2% 51.5%
Expense composition info
Total expenses before depreciation $816,969 $1,061,148 $650,334 $800,598 $1,158,303
Total expenses, % change over prior year 110.2% 29.9% -38.7% 23.1% 44.7%
Personnel 55.0% 45.8% 48.4% 44.2% 37.5%
Professional fees 2.7% 1.4% 3.0% 1.4% 1.0%
Occupancy 12.3% 19.1% 30.4% 21.0% 13.8%
Interest 0.6% 0.3% 0.7% 0.9% 0.2%
Pass-through 0.0% 0.0% 0.0% 0.0% 0.0%
All other expenses 29.4% 33.4% 17.5% 32.5% 47.6%
Full cost components (estimated) info 2018 2019 2020 2021 2022
Total expenses (after depreciation) $843,045 $1,087,806 $684,919 $835,141 $1,188,746
One month of savings $68,081 $88,429 $54,195 $66,717 $96,525
Debt principal payment $13,241 $12,944 $0 $0 $206,727
Fixed asset additions $0 $0 $40,001 $0 $0
Total full costs (estimated) $924,367 $1,189,179 $779,115 $901,858 $1,491,998

Capital structure indicators

Liquidity info 2018 2019 2020 2021 2022
Months of cash 1.3 0.7 1.2 2.7 6.5
Months of cash and investments 1.3 0.7 1.2 2.7 6.5
Months of estimated liquid unrestricted net assets 9.4 6.9 10.5 10.0 10.9
Balance sheet composition info 2018 2019 2020 2021 2022
Cash $87,233 $62,902 $67,158 $178,964 $631,183
Investments $0 $0 $0 $0 $0
Receivables $226,913 $172,892 $165,587 $166,365 $122,071
Gross land, buildings, equipment (LBE) $237,488 $237,488 $277,488 $277,488 $232,118
Accumulated depreciation (as a % of LBE) 20.3% 31.5% 39.4% 51.8% 55.1%
Liabilities (as a % of assets) 26.7% 21.7% 34.6% 32.9% 11.6%
Unrestricted net assets $715,779 $669,345 $569,895 $665,767 $1,125,396
Temporarily restricted net assets $0 $0 N/A N/A N/A
Permanently restricted net assets $0 $0 N/A N/A N/A
Total restricted net assets $0 $0 $0 $0 $0
Total net assets $715,779 $669,345 $569,895 $665,767 $1,125,396

Key data checks

Key data checks info 2018 2019 2020 2021 2022
Material data errors No No No No No


The people, governance practices, and partners that make the organization tick.

Letter of Determination is not available for this organization
Form 1023/1024 is not available for this organization

Executive Director

Sarah Matthews

Number of employees

Source: IRS Form 990

Habitat for Humanity Cape May County

Officers, directors, trustees, and key employees

SOURCE: IRS Form 990

Show data for fiscal year
Compensation data
Download up to 5 most recent years of officer and director compensation data for this organization

There are no highest paid employees recorded for this organization.

Habitat for Humanity Cape May County

Board of directors
as of 01/20/2023
SOURCE: Self-reported by organization
Board of directors data
Download the most recent year of board of directors data for this organization
Board chair

Gordon D. Hammond

Habitat for Humanity

Term: 2022 - 2023

Dave Hammond

Habitat for Humanity

Bruce Loversidge

Habitat for Humanity

John Marcelliano

Habitat for Humanity Cape May

Karen Thompson

Habitat for Humanity Cape May

Bill Patton

Habitat for Humanity Cape May

Dave Adams

Habitat for Humanity Cape May

Louis DeLollis

Habitat for Humanity Cape May

Dan Hawkins

Habitat for Humanity Cape May

Charine Holloway

Habitat for Humanity Cape May

Quanette Vasser-McNeal

Habitat for Humanity Cape May

Board leadership practices

SOURCE: Self-reported by organization

GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section.

  • Board orientation and education
    Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations? Yes
  • CEO oversight
    Has the board conducted a formal, written assessment of the chief executive within the past year ? Yes
  • Ethics and transparency
    Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year? Yes
  • Board composition
    Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership? Yes
  • Board performance
    Has the board conducted a formal, written self-assessment of its performance within the past three years? Yes

Organizational demographics

SOURCE: Self-reported; last updated 9/6/2022

Who works and leads organizations that serve our diverse communities? Candid partnered with CHANGE Philanthropy on this demographic section.


The organization's leader identifies as:

Race & ethnicity
Gender identity
Female, Not transgender (cisgender)
Sexual orientation
Heterosexual or straight
Disability status
Person without a disability

Race & ethnicity

Gender identity


Sexual orientation

No data