homeownership
Thank you for your interest in affordable home ownership.
Due to the waiting list of qualified applicants waiting for a home, we will not be taking applications in 2024.
Please check back with us in 2025!
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 Income | 1 Person | 2 People | 3 People | 4 People | 5 People | 6 People | 7 People | 8 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.