Is It a habit or an habit?

It’s a habit. The rule for using "a" or "an" is based on pronunciation, and not spelling. Since the word habit starts with a sounded "h", it takes the indefinite article "a".

It’s a habit. The rule for using "a" or "an" is based on pronunciation, and not spelling. Since the word habit starts with a sounded "h", it takes the indefinite article "a".

A habit is a routine that tends to occur subconsciously.

An habit is a routine that tends to occur subconsciously.

More examples:

She has a habit of losing her temper.

Barbara has been drinking so much that I’m worried that she is developing a habit.

A partial list of words that also begin with a sounded "h", and consequently take "a":

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