FRONTIER HOUSING INC
MOREHEAD, KY | Rowan County
Affordable Housing
Overview
FRONTIER HOUSING INC
61-0863958
5445 FLEMINGSBURG RD
MOREHEAD, KY 40351
Rowan County
MOREHEAD, KY 40351
Rowan County
(606) 784-2131
info@FRONTIERKY.ORG
Mission Statement
FRONTIER HOUSING PROVIDES AFFORDABLE HOUSING SOLUTIONS TO BUILD BETTER COMMUNITIES.
CRA Category
- Affordable Housing
Nonprofit location
- This nonprofit is not located in any CRA geographies.
Awards & Certifications
- CDFI Organization
- CDFI Award Recipient
- HUD Counseling Agency
Founded
Not reported
Total Employees
Not reported
Total Volunteers
Not reported
Nonprofit Classification (NTEE Code)
-
Not reported
IRS Activity Codes
399
Other housing activities
560
Supplying money, goods or services to the poor
-
Not reported
Standard Business Classification (NAICS Code)
-
Not reported
Targeted Clients
- Children & Youth
- College Students
- Disabled
- Economically Disadvantaged
- First-Time Homebuyers
- General Public
- Homeless
- Immigrants or Refugees
- People Needing Credit Counseling
- Military
- Minority Individuals
- Rural Residents
- Senior Citizens
- Underbanked or Unbanked
- Veterans
CRA Income Characteristics
This nonprofit has claimed its profile but has not yet provided this information.
CRA Alignment
CRA Category
Affordable Housing
Creation, rehabilitation, operation or preservation of affordable housing.
What does it mean for a nonprofit to be CRA aligned?
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then further validated by our CRA experts. When nonprofit passes both parts of this review, we create a nonprofit profile for them on Community Qualifier. From there, a nonprofit can claim their profile and add additional information including their programs & services, counties served, targeted clients and income groups and more.
Programs & Services
Not reported by nonprofit
This nonprofit has claimed its profile but has not yet provided this information.
Awards & Certifications
Community Development Financial Institution
Date Certified
10/25/2013
Native American CDFI
N
Financial Institution Type
Loan Fund
Community Development Financial Institution Award Recipient
New Market Tax Credit Recipient
| Year | Amount | Program | Awardee Name |
| 2022 | $1,086,557 | CDFI Equitable Recovery Program (COVID-19) | Frontier Housing, Inc. |
| 2021 | $676,530 | CDFI Financial Assistance | Frontier Housing, Inc. |
| 2024 | $1,735,000 | CDFI Financial Assistance | Frontier Housing, Inc. |
| 2021 | $743,000 | CDFI Rapid Response Program (COVID-19) | Frontier Housing, Inc. |
Includes CDFI Fund awards granted between January 2015 and December 2024
HUD Counseling Agency
Agency Information
| Colonias | No |
| Migrant Workers | Yes |
| Faith-Based | No |
Counseling Method
Face to Face, Phone
Languages
English
Counseling Services
- Mortgage Delinquency & Default Resolution Counseling
- Resolving & Preventing Mortgage Delinquency Workshops
- Financial Management & Budget Counseling
- Financial
- Budgeting & Credit Workshops
- Home Improvement & Rehabilitation Counseling
- Pre-Purchase Counseling
- Pre-Purchase Homebuyer Education Workshops
- Rental Housing Counseling
Low Income Housing Tax Credit Recipient
IRS Summary
Income
$5.8M
Revenue
$3.3M
Assets
$19.3M
IRS Business Master File Details
As of July 2025
Exempt Ruling Date
1975-08
Deductibility Status
Deductible
Last Tax Filing
2024
Organization Type
Corporation
Organization Tax Filing Status
990 (all other) or 990EZ return
Foundation Tax Filing Status
990-PF not required by IRS
Affiliation Classification
Independent Organization
Basis for Foundation/Public Charity Status
Organization which receives a substantial part of its support from a governmental unit or the general public 170(b)(1)(A)(vi)
IRS Publication 78 Details
As of March 2025
Verified in Publication 78
Yes
Deductibility Limitation
50% (60% for cash contributions)
Organization Description
A public charity
IRS Form 990 Returns
Through June 2025
Tax period ending in
2017-03
Nonprofit Location
Main Address
5445 FLEMINGSBURG RD
MOREHEAD, KY 40351
Rowan County
MOREHEAD, KY 40351
Rowan County
Area Type
Not in a Metropolitan or Micropolitan Statistical Area
FIPS Geocoded Address
NA
MSA/MD
21
State
205
County
9501.00
Tract
Upper
Income Level
Core-Based Statistical Area
Not located in a CBSA.
Combined Statistical Area
Not located in a CSA.
Metropolitan Division
Not located in an MD.
Main Address Located In
Low- or Moderate-Income Census Tract
Opportunity Zone
Majority Minority Census Tract
6.14%
FFIEC Distressed Census Tract
FFIEC Underserved Census Tract
Geographies Served
- KY - Bath County
- KY - Boyd County
- KY - Bracken County
- KY - Breathitt County
- KY - Carter County
- KY - Elliott County
- KY - Fleming County
- KY - Floyd County
- KY - Greenup County
- KY - Johnson County
- KY - Lawrence County
- KY - Lee County
- KY - Magoffin County
- KY - Martin County
- KY - Mason County
- KY - Menifee County
- KY - Montgomery County
- KY - Morgan County
- KY - Owsley County
- KY - Robertson County
- KY - Rowan County
- KY - Wolfe County
Market Data
| Main Address | Census Tract | County |
|---|---|---|
| 5445 FLEMINGSBURG RD MOREHEAD, KY 40351 |
9501.00 | Rowan County |
| Population | ||
| Total Population | 5,965 | 24,525 |
| Total Households | 2,225 | 9,345 |
| Income | ||
| Median Income* | $86,083 | $53,657 |
| Median Family Income (2024 FFIEC est.) | $66,100 | $70,900 |
| Tract Income Percentage | 160.07% | N/A |
| Below Poverty Level | 12.5% | 24.5% |
| Unemployment Level | 6.4% | 4.3% |
| Housing | ||
| Total Housing Units | 2,412 | 10,577 |
| Total Owner-Occupied Units | 73.9% | 63.1% |
| Total Renter-Occupied Units | 18.3% | 36.9% |
| Total Vacant Units | 7.8% | 7.5% |
* Census Tract Median Income based on 2020 Tract Median Family Income as reported in the 2024 FFIEC Census Flat File. County Income based on Median Household Income as reported in the 2023 American Community Survey.
Management
11
Total Voting Members
in Governing Body
in Governing Body
11
Independent Voting Members
in Governing Body
in Governing Body
Tax Filing Signatory
Tom Manning-Beavin
President & CEO
(606) 784-2131
President & CEO
(606) 784-2131
Principal Officer
Tom Manning-Beavin
findCRA Profile Owner
Wendy Puckett
Director of Communications
w.puckett@frontierky.org
Director of Communications
w.puckett@frontierky.org
Key Policies & Documents
Written Conflict of Interest Policy
Written Document Retention & Destruction Policy
Written Whistleblower Policy
CEO Compensation Review Process
Written Minutes of Board Meetings
Financial Statements & Reporting
Compiled or Reviewed by an Independent Accountant
Audited by an Independent Accountant
Included in Consolidated Financial Statements
Internal Audit Committee Review
Federal Grant Audit Required
Federal Grant Audit Performed
Organization Activities
Provides Credit Counseling
Conducts Gaming Activities
Engages in Lobbying Activities
Engages in Political Activities
Makes Grants to Individuals
Makes Grants to Organizations
Information in this section is extracted from the nonprofit's e-filed tax return and based on answers provided by the nonprofit in their 990 e-filed for the tax period ending on 2023-03.
A hyphen (“-“) in this section indicates that the information was not required by the IRS or not reported by the nonprofit in its tax return e-filing.
This Nonprofit Profile was created using data available from publicly available government and industry sources, our own research, and information provided directly the nonprofit organization. Whenever possible, we utilize the most recent information available including information as made public by the Internal Revenue Service, U.S. Census Bureau, Federal Financial Institutions Examination Council, and more. The format and design of this Nonprofit Profile is ©findCRA. For more information about our Nonprofit Profiles, please visit help.findcra.com.
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