HONK provides affordable housing in Kenton, Boone and Campbell counties in Northern Kentucky.

Prospective homeowner’s must meet the following criteria:

  • Have a strong desire to be a homeowner and demonstrate a need for HONK’s help
  • Have a steady income that can support a mortgage
  • Demonstrate that if they are not currently able to get a loan due to credit, that they have the ability to improve their credit to achieve a loan within 12-18 months
  • Demonstrate the ability to live within their means
  • Demonstrate through current living space that their home will be properly maintained
  • Work with HONK to perform 8 hours of service each month in: improvement of self and family, repair and maintenance of property, community and/or church projects, helping to stabilize the neighborhood
  • Meet income qualifications

To apply, fill out the online application below or

Download & Print Application


Online Application

To apply for home ownership through Housing Opportunities of Northern Kentucky, please completely fill out the form below. To download and print an application see the link below the form.

Completed applications are to be returned to:
Housing Opportunities of Northern Kentucky
502 Fry St.
Covington, KY 41011

Housing Opportunities of Northern Kentucky has a NO PET POLICY. Upon receipt of your completed application, a representative will contact you to confirm receipt of application.

For more information on HONK’s criteria for prospective owner selection click here.

Also provide Year bankruptcy was discharged
agree to a credit check by Housing Opportunities of Northern Kentucky, Inc. All persons, companies or credit card holders to which I am indebted may release to Housing Opportunities of Northern Kentucky the amount of my indebtedness and the regularity with which I make payments against the debt.
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Download Application For Housing
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Your privacy is important to us. To better protect your privacy we provide this Privacy Policy explaining our online information practices and the choices you can make about the way your information is collected and used.


Housing Opportunities of Northern Kentucky does not discriminate in the selection of candidates for housing or any other services according to sex, race, religion, national origin, color, disability, or familial status.


PLEASE NOTE:  Housing Opportunities of Northern Kentucky has a no pet policy. HONK will permit the use of a service animal by an individual with a disability unless doing so would result in an unreasonable financial or administrative burden.