Darren Griff, who entered the final round with the lead, closed with a 2-under 69 to take second at minus-11.
Steve Friesen matched Habig with his own 8-under 63. That moved him into a tie for third place at 9-under-par 275, where he was joined by Chris Wall (68) and Rob Oppenheim (70). Wes Heffernan was one stroke behind that trio at minus-8 after a final-round 64.
Habig, who teed off four groups ahead of the Griff and Oppenheim and five strokes behind Griff, used an eagle on the 12th at Pine Ridge Golf & Country Club to grab a share of the lead.
The 29-year-old came right back with a birdie on the 13th, while Griff tripped to a bogey on 11 to give Habig a two-stroke cushion. He drained a birdie on 15, then kicked in a three-footer for birdie at 17 to extend his cushion.
'I knew a par on 17 would probably at least get me in a playoff and a birdie would pretty well seal the deal,' admitted Habig. 'I really didn't know what this was going to feel like, but it's pretty special.
'To be able to get it done when it matters is a great feeling. I tell you, that round from tee to green was one of the most solid of my life.'
Griff was denied his first tour win, but took it all in stride.
'It seemed like Habig came out of nowhere,' Griff stated. 'Good for him -- that was just awesome. Second, heck, that's not too bad. In half an hour or so, I'll feel fine.'
David Walker, who won Winter Qualifying School, closed with a 4-under 67 to take seventh place at 7-under-par 277. Wil Collins, Lee Curry and Matt Seppanen were one stroke further back at minus-4.