Homeownership

homeownership

Thank you for your interest in affordable home ownership. The 2022 application process is now closed.

Please visit this page again next year. Applications will be accepted in the Spring of 2023.

how do I qualify

1. Need for Better Housing:

Need for Better Housing can mean, but is not limited to:

  • structural problems, plumbing problems, roofing problems
  • extremely high rent (more than 30% of your income) or extremely high utility bills
  • unsafe area for children
  • too many people in a small home

2. Ability to Pay

  • Habitat homes are sold with an affordable mortgage.
  • The Table below shows the Lee County, MS 2021 HUD income limits. We select families between 35% and 60% of median annual income.
  • We want to make sure families are able to make their house payments.
Household
Size
Median Income1 Person2 People3 People4 People5 People6 People7 People8 People
60%$30,198$34,512$38,826$43,140$46,591$50,042$53,494$56,945
50%$25,165$28,760$32,355$35,950$38,826$41,702$44,578$47,454
40%$20,132$23,008$25,884$28,760$31,061$33,362$35,662$37,963
35%$17,616$20,132$22,649$25,165$27,178$29,191$31,205$33,278

3. Willingness to Partner

  • If you are selected for a Habitat home, you must put in a total of 300 sweat equity hours.
  • Sweat equity hours are earned volunteering on construction for other partner families’ homes.
  • Sweat equity hours can also be earned through other volunteer opportunities.
  • If selected, you must also complete homeowner education courses.

important facts

  • Only a few families each year will be selected for Habitat homeownership.
  • The Habitat process takes a while. It usually takes Habitat partners from 1-2 years to earn sweat equity hours and begin construction on new homes.