The Habitat Model

Why Habitat is Needed

Lack of affordable housing forces families with low income to live in substandard rentals that consume much of their income for rent and energy costs, leaving little money for food, healthcare, transportation and education. Families often move from rental to rental seeking lower housing costs and triggering educational instability for children. Habitat brings families, community partners and volunteers together to construct affordable, energy-efficient homes that help families build stability, strength and self-reliance. In fact, the stability provided by homeownership is recognized as the leading factor in children’s academic success.

The Habitat Model: Providing an Opportunity for People to Help Themselves

The Habitat program has been carefully designed to ensure successful outcomes. That success is based on the following model.

  • Careful selection and preparation of families for homeowner partnership
  • An intentional educational and financial preparation process of prospective homeowner families
  • Engaging families, through educational preparation and the performance of “sweat equity” in order to better themselves
  • Insistence on personal responsibility by each homeowner family

Proof that Habitat Works

Our foreclosure rate is less than .4%. As families pay their mortgage, they develop equity in their home, which changes their financial trajectory and helps break the generational cycle of poverty. In turn, families are more stable and neighborhoods and communities are strengthened and improved. 

Our Homeownership Impact Survey provides evidence of the impact of affordable homeownership in the lives of families with low income.