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Would You Be a Good Fit for a Habitat Home? Take Our Quiz!

This is not a housing application.
This short quiz is designed to help you see whether you might be a good fit to partner with us on the path to affordable homeownership.

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Our housing application cycle runs from January 15–February 16, 2026. If the quiz feels like a good match for you, we invite you to pick up a paper application in person at 206 S. Jackson St., Starkville, MS 39759.

Have you been a resident of Oktibbeha County for at least 1 year?
Yes
No
Are you a first-time homeowner? A first-time homeowner is anyone who has not had their name on a deed in the last three years.
Yes
No
Have you paid rent on time for the last 12 months?
Yes
No
Do you have the documentation to support our rental history?
Yes
No
If your income is from employment, do you have 2 years of continuous employment history?
Yes
No
If you are self-employed, have you been self-employed in your industry for at least 2 years?
Yes
No
Are you in need of better housing? This refers to the condition of current housing (overcrowding, crime, mold, disrepair) as well as rent cost burden (the cost of rent exceeding 30% of your monthly income).
Yes
No

To calculate the rent cost burden, follow this example:

  • Gross Monthly Income: $4,000

  • Monthly Rent: $1,500

  • Calculation: ($1,500 ÷ $4,000) x 100 = 37.5%

  • In this case, this person faces a rent cost burden because their rent costs exceed 30% of their monthly income.

Can you afford a mortgage of about $700-$800 per month? The exact payment depends upon the size of the house and the cost of property taxes and homeowners' insurance.
Yes
No
Is your credit score at least 615 or higher?
Yes
No
Are you willing to participate in completing at least 100 sweat equity hours? This work is typically performed on the construction site, but it can be adapted for individuals with physical limitations.
Yes
No
Do you have an annual income between 60-85% of the Department of Housing and Development's ("HUD") guidelines?
Yes
No

For example:

If you have 4 people in your family, including yourself, your income needs to be between $49,080 and $81,800 to become a Habitat Partner.

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