homeownership
The application period is January 3, 2022 through January 31, 2022
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 2020 HUD income limits. We select families between 30% 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% | $30,156 | $34,464 | $38,772 | $43,080 | $46,526 | $49,973 | $53,419 | $52,127 |
| 50% | $22,610 | $25,840 | $29,070 | $32,300 | $34,884 | $37,468 | $40,052 | $42,636 |
| 40% | $20,104 | $22,976 | $25,848 | $28,720 | $31,018 | $33,315 | $35,613 | $37,910 |
| 35% | $17,591 | $20,104 | $22,617 | $25,130 | $27,140 | $29,151 | $31,161 | $33,172 |
3. Willingness to Partner
- If you are selected for a Habitat home, you must put in 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.
a few important items
- Only a few families 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.