Apply for A Starkville Habitat Home

How can I qualify for a Habitat Home

In order to qualify for a Habitat house, three conditions must be met.

You will be considered for a Habitat home if:
- your current home is in bad condition
- you pay more than 1/4 of your household income for rent
- you have lived in the Starkville area for more than one year
Bad housing means problems like:
- leaky roof
- bad plumbing
- bad wiring
- no insulation
- poor heating
Bad housing can also mean:
- female and male children share a bedroom
- teenagers share bedrooms with very young children
- three or more children share a room

You will be buying your house from Starkville Area Habitat for Humanity. You must be able to make interest free mortgage payments every month.

Habitat mortgage payments are usually about $380 each month. This includes:
- All taxes on your house
- House insurance
You must make at least $1250 per month in take home income and have been employed in the same job for over a year.
We will determine your ability to pay for a house by looking at your:
- Credit history
- Expenses
- Debts
- Income

When you and your family are approved for a Habitat house, you become a Habitat partner family.
As a partner family you must complete 300 hours of volunteer work per family.
You and your family earn hours by:
- Helping construct your home or other Habitat homes
- Painting your home or other homes
- Feeding Habitat volunteers
- Working in the Habitat office
- Serving your community
You must also attend three educational classes at the Emerson Family Center. One of theses classes must be a Financial Management Class.
You must complete all these steps in order to buy your home from Starkville Area Habitat for Humanity.

Download the brochure about applying for a Habitat Home- fill it out and submit it to Starville Habitat for Humanity.

Please fill out the brochure above to be notified of the time for applications.