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Donate Your Car to Charity

Give Your Old Car a New Purpose

Is your old vehicle just sitting around, taking up space? Instead of trading it in, consider donating it to charity! Not only is it a hassle-free way to clear out your driveway, but it’s also an incredible way to support those in need of affordable housing.

By donating your car, you help fund affordable housing initiatives and contribute to a greener planet. Many people don’t realize that car donations directly support local communities, providing safe housing and essential resources for families struggling with housing costs.

The Impact of Car Donations

Car donations benefit everyone involved—charities receive crucial funding, communities gain access to life-changing programs, and donors enjoy potential tax advantages.

Proceeds from donated vehicles often help:

  • Build beautiful, energy-efficient, affordable homes
  • Support home repair for seniors and veterans
  • Fund financial education and credit counseling

How Car Donations Help the Environment

Donating your car is also a smart choice for sustainability. Recycling vehicles reduces landfill waste and preserves valuable resources.

Did you know? According to the National Material Company, over 80 million tons of steel are recycled annually in North America. Each ton of recycled steel saves iron ore, coal, and limestone, making a tangible impact on the environment.

What Vehicles Can You Donate to Habitat for Humanity?

It’s not just cars! Habitat for Humanity’s Cars for Homes program also accepts:

  • Trucks
  • Motorcycles
  • RVs
  • Boats
  • Farm equipment
  • Construction machinery

Even if your vehicle isn’t in perfect condition, it can still make a difference as long as it has all major parts and tires.

How to Donate Your Car

The donation process is simple:

  • Online: Use the donation wizard
  • Phone: Call 1-877-277-4344 to start your donation

Maximize Your Tax Benefits

Car donations are considered charitable contributions by the IRS, meaning you may be eligible for a tax deduction. A car donation tax deduction requires filers to itemize deductions instead of taking the standard deduction.

The deductible amount varies. It depends on the charity’s use of the vehicle and its sale price.

Sale Value of Car

Deductible Amount

$500 or less Fair market value up to $500
$501 or more Exact amount the car sold for

 

Resources like Kelley Blue Book, Edmunds, and NADA Guides can help you estimate your car’s fair market value. Once your vehicle sells, you’ll receive a written acknowledgment from the charity for tax purposes.

If your car sells for more than $500, you can deduct the full selling price, potentially leading to a substantial tax break.

What Happens to Donated Vehicles?

About 50% of donated vehicles are sold at wholesale auctions, generating funds for community projects. Others are recycled for parts, helping those looking for resources reclaim valuable materials like steel.

If a vehicle appears to be a suitable resource, it can be offered to your local Habitat office for use in serving the community. Houston Habitat recently received a fairly new Honda truck that is used to assess construction sites.

Car-Free Living: A Growing Trend

Thinking about a car-free lifestyle? Many U.S. cities are becoming more walkable and bike-friendly, making it easier than ever to live without a car. Car-free living offers many benefits, including improved personal wellness and reduced environmental impact.

Donating your car could be your first step toward a simpler, more sustainable lifestyle.

Beyond Cars: Donating Other Assets

Not ready to part with your vehicle? There are many other ways to give, helping you make a lasting impact in your community. Houston Habitat for Humanity accepts:

  • Stock donations
  • Donor-advised funds
  • Monthly contributions
  • Life insurance policies
  • Memorial gifts
  • Matching contributions

Final Thoughts About Donating Your Vehicle to Houston Habitat for Humanity

Donating your car is more than just a way to clear up space — It’s a meaningful way to support those in need while benefiting the environment. Plus, with potential tax deductions, it’s a win-win.

When you donate your car to Habitat for Humanity, you’re directly supporting local communities and helping families build brighter futures.

Ready to make a difference? Start your car donation today!

Transforming Homes: Low-Cost Home Renovation Programs in Houston

Low-Cost Home Renovation Programs in Houston can feel nonexistent. But you’re not alone. Many homeowners in Houston need affordable housing options for home repairs and several housing programs can help. Houston has programs and opportunities that will offer help.

Low-Cost Home Renovation Programs in Houston

Houston has programs for low- to moderate-income homeowners. These housing development programs focus on repairs to make repairs safe and habitable. Repairs include fixing roofs, plumbing, electrical systems, and structural issues.

Some programs offer full home renovations in certain situations. Let’s look at a few options below for home renovation, single family housing, and community development programs.

Houston Habitat for Humanity Repairs

Houston Habitat for Humanity is a well-known organization for safe and affordable housing. They have programs like the Critical Home Repair Program.

This program addresses roof and plumbing repairs. Another program is the Disaster Home Repair Program for disaster-related damages.

City of Houston Home Repair Program

The City of Houston’s Home Repair Program helps homeowners with critical repairs. Funding may be limited so contact the program directly. Get current status and application information.

Harris County Home Repair Program

Harris County also has its own Home Repair Program. It serves very low to low-income homeowners. This county program focuses on fixing health and safety hazards like a leaking roof. Check out their program guidelines and more information about payment assistance and other initiatives.

Rebuilding Together Houston

Rebuilding Together Houston serves the community with free home repairs, often for elderly residents. They also support programs like Veterans Home Repair.

Additional Resources for Home Repairs in Houston

Sometimes additional resources can help with Low-Cost Home Renovation Programs in Houston. These can be helpful as you look into family housing.

Home Renovation Loans

Look into home renovation loans. These specialized loans fund repairs, sometimes with competitive rates.

United Way 211 Helpline

United Way’s 211 helpline connects those in need with providers. They specialize in services beyond just finding a provider. They offer legal services and bereavement services.

They serve Texas. This makes them a resource for those looking for single family housing in rural development areas of Harris County and beyond.

FAQs about Low-Cost Home Renovation Programs in Houston

Who is eligible for a government home improvement grant in Texas?

Eligibility varies by program. Typically it’s income limits, home ownership status, and property location (rural vs. non-rural). Some programs prioritize senior citizens, families with children under 18, or people with disabilities.

What is the low income assistance program in Houston?

Several programs in Houston assist low-income families. This includes programs run by the City of Houston and Harris County. Houston Habitat for Humanity and Rebuilding Together Houston also have income-based programs for lower-income homes.

Finding Affordable House Repair Options in Houston is Possible

Finding low-cost Home Renovation Programs in Houston takes time but help is available. By looking into the options and resources, homeowners can find help they need. Check out the resources that focus on housing programs, property taxes, and payment assistance for more information about living options. Be patient, these programs can get you to live safely and affordably.

How Habitat For Humanity Chooses Areas to Build Homes

Finding affordable housing is hard for many families. So here’s the question: how does Habitat for Humanity choose where to build? It’s not random, many factors go into where they build, from local community needs and county land availability to national and international initiatives. This article covers the process for local projects, including their home ownership program and sweat equity.

Habitat for Humanity operates through local affiliates. These affiliates like Houston make many local area-build decisions.

These decisions impact the communities served. Habitat for Humanity Affiliates often work on projects for years to make a positive impact in the areas.

Here’s a closer look at how this decision-making process works for each habitat house.

Community Need

What’s the Need for Affordable Housing

Each local HFH first determines the service area’s need for affordable housing. This step involves gathering data and insights to understand the local housing market.

Key Indicators

HFH looks at:

  • Poverty rates: to find areas with high concentrations of low-income households
  • Overcrowding: to determine the number of households living in cramped conditions
  • Existing affordable housing supply: to understand the amount of affordable housing in the area

Targeting the Areas of Greatest Need

This type of assessment allows us to target the most critical areas so that we can allocate resources where they will have the greatest impact. By understanding the specific challenges in the service area, HFH Houston can develop solutions to address the affordable housing shortage.

Land Availability and Cost

Land Acquisition Challenges

Finding land is another big challenge in affordable housing. Ultimately, building even simple homes comes down to land availability and cost. The scarcity of land drives up prices and makes it hard for us to build affordable homes.

Cost of Land

The cost of land is a big part of the total cost of construction. In many areas, the cost of land is so high it’s a big chunk of the total project cost. This leaves developers with a limited budget for actual construction and makes it hard to build affordable well-built homes.

Land Availability

Land availability is another factor that affects our ability to build affordable homes. In many cases, land is scarce and what’s available is reserved for more lucrative projects. This scarcity of land forces developers to look for alternative locations that may not be as desirable and further reduces the affordability of the homes.

Zoning and Regulatory Issues

Zoning and regulatory issues can also limit land. Strict zoning laws and regulations can restrict the use of land and make it hard to build. And the long and sometimes costly approval process can further increase the cost of land acquisition making it even harder to build affordable homes.

This way HFH can overcome land problems and use our resources better to make a bigger impact in our community.

Local Partnerships

Building a Strong Foundation

HFH projects rely on local volunteers, donors, and established community partnerships. These are the pillars of support for a long-term project.

The Power of Local Volunteers

Local volunteers bring expertise and knowledge to a project. They know the local culture, customs, and needs and are invaluable in identifying the most pressing issues and developing solutions.

Donors: The Lifeblood of HFH Projects

Donors provide the financial resources to fund HFH projects. Their support helps us buy land, build homes, and provide services to families in need.

Established Community Partnerships

Established community partnerships are key to mobilizing resources and expertise. These partnerships help us leverage the strengths of local organizations, businesses, and government agencies to make projects more efficient and effective.

Long Term Impact

By building relationships with local volunteers, donors, and community partners, HFH projects can have long term impact on families and communities. This collaborative approach creates a sense of ownership and responsibility so projects continue to thrive long after launch.

National and International Considerations

While local affiliates have decision making power, Habitat for Humanity Global provides guidance and principles.

These broader factors further inform build location decisions. HFH’s overall strategy allows us to adapt to different environments.

National Housing Goals

HFH Global coordinates local projects with national housing goals. Local construction requirements, land zoning, and permit regulations also influence where we build.

HFH affiliates comply by adapting to existing regulations thereby contributing to overall housing stability. Their goal is to find the right locations and navigate local regulatory environments to build the most efficient and sustainable way possible.

Habitat for Humanity’s Mission

HFH is a global nonprofit in over 70 countries including the USA. Our mission is to increase access to decent, sustainable, and affordable housing through community development.

Our focus on home ownership drives where they build and purchase land strategically to achieve HFH goals.

FAQs about how Houston Habitat chooses an area to build

What is required for an area to be considered for building homes?

HFH looks at many factors to help with home buying such as land availability, community needs, and local regulations. Local community support from individuals and businesses is needed to get build approval.

National and international HFH objectives and the success of our planned giving programs also influence location decisions so our local efforts align with our global missions.

Does Habitat for Humanity pay for your house?

No, homeowners purchase their homes with an affordable mortgage and put in “sweat equity” hours building alongside other Habitat for Humanity home buyers.

Monthly mortgage payments will apply and payment of a mortgage will be no different than paying any conventional mortgage lender. However, payments will be smaller since these will be smaller affordable housing projects.

Where does Habitat for Humanity build homes?

Habitat builds homes worldwide. Projects in the US range from small builds to large planned communities. You can find out about active projects through your Houston HFH affiliate.

How do Habitat for Humanity families get chosen?

HFH chooses families based on need, willingness to partner with us, and ability to repay an affordable mortgage. The process involves an in-depth look at finances such as requesting tax information through the IRS website, verification of data submitted such as postal address, email address, and work telephone number, and comparing work telephone with any official documentation.

Find Out Where Houston Habitat Is Building Homes

HFH’s site selection is a thoughtful process that considers community needs, local land cost, local partnerships, national goals, and international initiatives. By balancing community-driven factors with broader goals, HFH serves an often overlooked population but also leverages programs to help potential homeowners become more invested in themselves.

Local chapters rely on community support and partnerships with municipalities and private organizations to secure land and reduce costs. Local affiliates often plan and fundraise two or more years in advance of construction.

HFH Houston brings stability to families and neighborhoods and is committed to helping families in need become homeowners. Learn more and partner with Houston HFH today.

Is a Smaller Home more Affordable

While many people have a specific dream home in mind, it’s important to purchase a home that is safe, well-built, and within a mortgage you can afford.

Housing is where the majority of Americans spend their income, and prices are on the rise. Affordable housing has trended toward smaller homes due to the many associated cost savings. As of September 2024, the median listing price per square foot in Texas is $187, reflecting a 35.8% increase over seven years.

So, what size house is best for you? First, determine how many people will live in the house full-time. Next, consider the monthly expenses for your home, including mortgage, insurance, and utilities. Balancing these factors will help you determine the ideal size for your new house.

Benefits of Buying a Small Home

What exactly is a “small house”? The average house in the United States is 2,500 square feet. Anything below that is considered “smaller.” (This differs from tiny homes, which are generally 500 square feet or less.)</p?

A small house can be an excellent option for those interested in minimalism, energy conservation, downsizing and specifically, first-time homebuyers. Small homes allow young individuals to experience all the responsibilities involved with homeownership without breaking the bank.

Heather Higgins, a New York based designer who frequently handles projects in the 1,000-square-foot range, says, “Requiring less time, energy, and money, smaller living spaces provide greater lifestyle flexibility.

In addition to freeing up time, smaller homes offer numerous benefits:

  • Less debt after purchase: Starting with a smaller home purchase translates into less overall financial debt.
  • A lower purchase price allows you to put more money towards your down payment or closing costs, reducing your monthly mortgage and starting you off with greater equity for a potentially lower mortgage rate.
  • Easier and quicker to clean and maintain: Smaller spaces require less time for upkeep, like cleaning bathrooms or replacing smoke alarm batteries. Which takes less time to clean: a small or a big bathroom? Which is easier to do: change batteries in one fire alarm or three fire alarms?
  • Lower bills: Smaller homes generally have reduced insurance premiums, taxes, and utility costs. Smaller spaces cost less to rebuild so insurance is less, taxes are partially calculated on space meaning reduced rates for smaller sites, and fewer lights equals less electricity used. With less space, you won’t need as many televisions or appliances, saving you money on your electricity bill.
  • Cheaper repair costs: Fewer materials mean smaller expenses for repairs, such as roofing or flooring replacements. When weather happens or normal aging of materials, repairs must be made. Fewer elements to fix or replace overall is a big savings!
  • Reduced emissions: Smaller homes often focus on energy efficiency and can lower your carbon footprint with enhanced effectiveness of heating and cooling systems that use less energy.
  • Faster mortgage payoff: With a lower overall cost, smaller homes can be paid off more quickly.

Small House vs. Big House

Some people believe “bigger is better,” while others have reservations about smaller houses. Below are common hesitations and solutions:

  • Limited Storage Space: Creative storage solutions like shelves, under-furniture boxes, and hooks can maximize space. Downsizing belongings can declutter your home. Having a ton of storage space is great, except when you’re storing things that you haven’t used or even looked through in years. Removing less useful items from a home brings a sense of peace while donating them provides someone else with the chance to use the item to its full potential.
  • Harder to Host Guests: while entertaining in a smaller house takes a bit more thought, it can certainly be done! is to move furniture, such as tables, to along a wall or into the garage temporarily. For overnight visitors, use folding screens to partition personal spaces and fans for comfort. Hosting in smaller spaces often means less post-party cleanup.
  • Room for Kids: children can have a lot of energy! This can mean more movement and noise, all within a shared space. One way to help is to consider the outside as another room in your small home. Yards, parks, and playgrounds are also part of your living space, so take advantage when the weather allows. Within the home, some savvy small homeowners have created little areas that are strictly for play. Going to this area during times of restlessness can feel special and serve as a reward, or just a much-needed parental break!

Buying Smaller Saves More

In 2024, newly built homes got smaller for the first time in decades. Home sizes peaked in 2021 when the pandemic forced many people to work from home and additional space was needed.   According to the U.S. Census Bureau, the average square footage of new housing units dropped from 2,500 square feet in 2021 to 2,300 square feet in 2024.

Stagnant wages, coupled with rising building and labor costs, are driving homeowners toward smaller homes. In Texas, where the minimum wage has remained $7.25 per hour since 2009, economic pressures are significant. For instance, in Houston, a standard no-frills bathroom sink cost $44.24 in 2022 but increased to $48 by 2024.

Less square footage translates into big savings. To calculate potential savings, add up your current monthly housing expenses (mortgage, utilities, insurance, and maintenance). Compare this total to what you’d spend on a larger house by doubling or tripling the amount. The difference shows how much a smaller home can benefit your finances.

Can a Small Home be Luxurious?

A home’s size doesn’t limit its potential for comfort or style. Many no-cost and low-cost strategies can make a small home feel spacious and luxurious:

    No-Cost Ideas: Declutter and remove damaged goods.

  • Hang curtains higher and wider to create the illusion of larger windows.
  • Rearrange furniture into clusters and avoid overfilling spaces.
  • Pull furniture away from walls to add visual depth.

Interior designer Dustin Gerken of Dustin Gerken Design says, “One of the most valuable commodities in a residence is floor space. Use the illusion of spatial depth to your advantage by pulling furniture off the wall to add shadow and gradient to the wall behind it.

    Low-Cost Ideas:

  • Paint your front door a deep color for added depth.
  • Layer rugs for a cozy feel.
  • Use silk flowers and replace cabinet hardware for sleek updates.
  • Create or thrift large art pieces for open walls.

Visit both Houston Habitat for Humanity ReStore locations to find great deals on beautiful new items for your home. Stock is always revolving to check often!

Is it a Good Idea to Buy a Small House?

In short, yes. Increasing costs and a stubborn housing market have made smaller houses more appealing. While it might not be your forever home, buying a smaller house is a crucial step toward greater financial stability and future housing options.

Everything possible in a large house is an option in a smaller home! First-time homebuyers benefit from lower prices that require smaller down payments and monthly mortgage payments. A smaller home leaves more room in your budget for higher-quality furniture and home improvements. You can invest in durable, long-lasting items rather than cheaper alternatives, saving you more money in the long run. Using creativity and a little bit of the ever-increasing savings made from this decision, the design and feel are completely up to you. Reduced utility costs are also a major benefit –  air conditioning a smaller home during Houston’s summer heat can add up to big savings!

Plus when you get ready to sell your home, you are in a positive financial position. Home prices typically depend on the square footage and size of the house. Smaller homes often attract a broader range of buyers due to their affordability, making them more likely to sell.

Virtually tour some of our Habitat Homes, explore the possibilities, and start your journey toward homeownership today.

Do I make Too much money for a Habitat for Humanity home?

In a blog post from earlier in 2024, we busted 11 myths commonly associated with Habitat for Humanity. One belief, however, deserves its own post. Of those who have considered working towards a home with Habitat for Humanity, some have decided otherwise with the assumption that they make too much income to qualify. This self-sabotage is a mistake! Before supposing you make too much money for a habitat home, keep reading to learn about the income guidelines. Habitat homes are designed for workers with a dependable job living in an unaffordable area.

Much of HFH information is available in both English and Spanish! Don’t let language get in the way of homeownership. ¡Nuestra información estádisponible tanto en inglés como en español! No permita que el idioma se interponga en el proceso de ser propietario de una vivienda.

How to Qualify for a Habitat Home

Homeownership Program Criteria is grouped into several categories. First, answer these questions. Do you live in overcrowded or substandard housing? Do you pay more than 30% of gross income on rent and do you live in an unsafe and/or unsanitary neighborhood? If yes, then are you a US Citizen or do you have permanent residency status? If yes, are you willing to partner with Houston Habitat for Humanity to put in up to 250 hours of “sweat equity” (more on this later), and complete pre-purchase and post-purchase programs which include financial counseling?

If ‘yes’ was your answer to the above questions, then Houston Habitat for Humanity income requirements are up next for review. For a family of one, the minimum income requirement is $33,150 and the maximum income is $53,000. (No, you don’t have to be married or have children to be eligible). For a family of four, the minimum income requirement is $47,300 and the maximum income is $75,700. For a family of seven, the minimum income requirement is $58,700 and the maximum income is $93,900. Information about Houston Habitat for Humanity income limits are listed on our website for family size, ranging from one person to eight people. These numbers are based on the Area Median Income (AMI) for Houston, The Woodlands and Sugar Land as reported by HUD.

The final aspects of a Habitat homeowner are a satisfactory credit score, and having the ability to afford monthly mortgage payments, including escrow and insurance. The next section in this post contains information about credit and raising your credit score.

Information About Credit

A credit score is a three-digit number based on the information in your credit report, a detailed history of credit cards used and loans received. Credit scores may account for the number of years you’ve had credit, how much of your available credit you’re using, if late payments have been made, and any recent negative actions or credit applications. A lower credit score can cause higher interest rates.

Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company. Check your credit here or here for free. Usted puede solicitar una copia de su informe crediticio (gratis y enespañol) de cada una de las tres principales agencias de crédito:  TransUnion: Llame al 800-916-8800, Equifax: Visite el enlace o llame al 888-378-4329, Experian: Haga clic en el enlace o llame al 888-397-3742.

Looking to improve your credit? Dispute inaccurate information on your credit reports, keep debts low, make on-time bill payments, retain your oldest account, and avoid applying for new credit accounts.

What is Sweat Equity?

Sweat equity is “contribution to a project or enterprise in the form of effort and toil. Partnering with Habitat for Humanity requires sweat equity, which can take multiple forms for future homeowners. “Sweat equity is a transformational experience for families and a cornerstone of our homeownership program,” says Sonia Lee, director of homeowner and mortgage services at Habitat for Humanity International. “The skills and knowledge gained through activities like volunteering on a build sitehelp set new homeowners up for success long-term.”

For those physically unable to do construction, Habitat allows on a case-by-case basis, clearing debris from build sites, working as a greeter or helper at a Houston Habitat ReStore, or other lower-impact tasks.

How Do I Get Started?

Not sure if you are eligible per Homeownership Program Income Guidelines?Just apply to see if you qualify. For those who didn’t make it through a few years ago, the monthly income numbers are different now. And keep applying if you don’t make it today; qualifying thresholds can shift in another year or two.

Prepare, then apply in English or Spanish and submit your documents. Upon application completion and receipt of required documents, Houston Habitat will begin the review process. Applicants are generally notified of their acceptance into the program 60 days after review. For those who do not meet Houston Habitat for Humanity’s criteria for affordable mortgages and are not selected for the program, an informational letter will be sent.

Safe, Affordable Housing

Habitat wants you and your family to have safe, affordable housing. We diligently follow a nondiscriminatory policy aligned with the Fair Housing Act and Equal Credit Opportunity Act, which dictates that race, sex, color, national origin, religion, familial status, age, marital status, disability and/or income from public assistance are not factors in choosing homeowners. Join our Virtual Homeownership Information Sessions to learn more about our program individually, or gather a group of 10 people or more to schedule a free 60-minute virtual information session with us. We are happy to answer any questions via email familyservices@houstonhabitat.org or phone 713-671-9993 x287, and look forward to walking beside you on this journey to meet all the qualifications for a Habitat homeowner!

Guide to Understanding Charity Ratings

Donating to charity has many benefits. This act can help with taxes, boost a cause or community, and actually improves personal happiness! According to a recent research paper partnered between Harvard Business School, Simon Fraser University and the University of British Columbia, spending money on other people, also called “prosocial spending”, can increase happiness. Knowing which charity to donate to, however, can be a daunting task. There are many out there, and not all of them use the money they receive wisely. Two historical misuses are using donated funds to overpay executives, and spending more dollars on marketing than aid. So how do you ensure your donations go where they should?

Questions to Ask

Aligning with a charity or nonprofit begins with understanding your values and ethics. Understanding what is important to you and where you want to see change can highlight, plus eliminate, organizations immediately. When several prospects emerge, asking questions is key. Some useful questions are:

  1. Is clear information available about the impact of the organization’s work?
    1. News reports, testimonials, articles which speak of the good done are all helpful, especially when not directly connected to the group’s own website.
  2. What is the status of the Form 990 with the IRS?
    1. This is to check finances. Any organization with tax-exempt status taking in over $50,000 per year has to file a Form 990. The annual report shows how a nonprofit spends its money.
  3. Is the website secure and up to date?
    1. Security is very important, especially when donations are accepted online. Having a current site also indicates consideration of current events within the community.
  4. Are donations tax deductible?
    1. Utilize the IRS’s Tax Exempt Organization Search if info is not readily available.
  5. Is there anything about the nonprofit which concerns you?
    1. Trust your gut. Do you mind if there are political or regional affiliations? What is the public perception of the group?

There are several sites on the internet which take the work out of digging into the infrastructure of charitable organizations, like their financials, leadership, and acts. One example is Charity Navigator, which provides free access to information regarding 225,000 charities. Charity Navigator is also a nonprofit, and receives funds from individuals, foundations, and corporations in order to keep ratings objective. GuideStar, under the nonprofit Candid, maintains a database of organizations and the detailed information of each group. Finally, the Better Business Bureau is one of these charity watchdogs as well. By reviewing each of the chosen public charities according to their 20 Standards for Charity Accountability, donors can get a clear picture of responsible practices. These trusted charity rating organizations are the most reliable throughout the industry.

How Houston Habitat Ranks

For the sake of full transparency, let’s look at our own reviews. Houston Habitat for Humanity has been a part of Charity Navigator’s rankings since 2005. The report is based on Accountability & Finance, Culture & Community, and Leadership & Adaptability. Currently, we are a Four-Star Charity, scoring 100%, and noted as an organization to which “you can give with confidence.” This site gives quick, to-the-point metrics and scores.

With GuideStar/Candid, Houston Habitat is a recipient of the Platinum Seal. If you love to review numbers, this is the site for you! Informational graphs show revenue vs. expenses, assets & liabilities, and business model indicators. Further, organizational demographics are listed out such as race, ethnicity, gender identity, sexual orientation, and disability.

Better Business Bureau lists Houston Habitat for Humanity as an Accredited Charity, which is the highest available rating. Green marks are given for all categories, including no conflict of interest, providing detailed expense reports, having responded promptly to complaints, and reporting the results of effectiveness assessments. This site also shows when the charity report was issued and when it expires.

Looking for direct access to the financial statements, tax documents, and annual reports for Houston Habitat for Humanity? This link is found in this website under Who We Are, Financial Information. Additional information about how Houston Habitat for Humanity receives and distributes funds is noted in the blog post “How We Fund Our Mission”. Read it and other interesting articles.

Your Money, Your Choice

What makes a good charity? Only you can answer that question, because everyone holds different beliefs and causes near to their hearts. The tools mentioned above provide transparency and evaluations of organizations, but it is ultimately your decision about what mission speaks to you, what programs best benefit your community, and what fundraising methods align with your finances. Remember, your dollars are your votes for how you want society to be.

Found your charities and are ready to donate money? Keep these tips in mind:

  • Donating by credit card or check is safest. Don’t pay with wire transfers or gift cards. If someone asks you to donate by wiring money like through Western Union and MoneyGram, or buying gift cards and sending them the codes, don’t do it. Scammers ask for payments this way because it’s harder to track. The same goes for donating with cryptocurrency. If only cryptocurrency such as Bitcoin, Ethereum, Tether, or USD Coin are accepted, it’s unlikely to be legitimate.
  • If donating online, make sure the webpage where payment information is entered has “https” in the beginning of the web address. That indicates information is encrypted and transmitted securely, but is not completely foolproof as scammers know how to encrypt too.
  • Be wary of sentimental claims with few details, such as helping wounded veterans who can’t work and families who can’t afford cancer treatments but without specific information about how donations are used.
  • Winning a prize or contest in exchange for a donation is usually a trick.
  • Donating on social media and crowdfunding sites can be authentic, just remember to only donate to people you know, and check the link to ensure the site is valid. Also, don’t assume a request is legitimate just because a friend posted it.

After you’ve completed your donation to a well-researched nonprofit of your choice, especially for the first time, keep an eye on your bank account and credit card statements for a while. Make sure you’re only charged the amount you agreed to donate ― and that you are not signed up to make recurring donations, unless you intended to establish this kind of giving. Also keep records of all donations for taxes. A dedicated folder within your email account can be helpful.

Your Generosity is Appreciated

Donations to Habitat for Humanity come in many forms! Some people donate online, while others prefer to mail checks. If your job offers a matching gift program, consider including Houston Habitat. Sponsorships, planned giving, stock gifting, and memorial gifts are greatly appreciated. If you are already a Walmart.com and Kroger shopper, these companies will donate a portion of your purchase to Houston Habitat. Round up your change then donate to Houston Habitat on Walmart.com, and link your Kroger Plus Card to Houston Habitat by visiting their online site and entering organization ID #80051. We welcome all forms of donations and work hard every day to ensure appropriate use.

Wherever you decide to give, on behalf of the nonprofit community, thank you for doing your research and giving to the most deserving of organizations! Your charitable giving has reaching impacts from one generation to the next.

DIY Floor Remodeling

Are you a homeowner looking to replace or install new flooring and curious about the costs of taking on a DIY flooring project? Or maybe you’re planning for the future and want to get a better idea of what’s involved in managing flooring maintenance. Below, we outline a step-by-step guide filled with helpful tips for DIY flooring projects, from choosing flooring materials to calculating square footage and handling high-traffic areas.

What Floor is Right for Me? 

When choosing flooring materials, consider the needs of residents, pets, and visitors. Flooring choice is essential, especially in high-traffic areas, where durability matters. Think about movement patterns of mobility devices, unusually shaped furniture, and appliances, as well as ease of cleaning.

The best rooms for budget-friendly flooring are kids’ bedrooms, practical family spaces, and other less visible areas like closets, home offices, and laundry areas. Low-cost flooring in high-traffic areas and entertainment spaces such as the kitchen and living room will not save you money in the long run, as it will not last and will need to be replaced sooner than later.

Determine Your Flooring Budget

First, figure out how much flooring will need to be purchased to complete the project. Start by calculating square footage: measure the length and width of the area in feet. Then multiply the length by the width to get the square feet.

Next, review the flooring options. Flooring materials vary widely in cost, ranging from $4 to $20 per square foot depending on the material. Vinyl plank flooring, laminate flooring, carpet, and ceramic tiles are popular and affordable options. Looking for a bargain? Check out local outlet stores and in the clearance section of big box stores, plus flooring stores. Online liquidators and sell-direct sites can also be good sources for deals. Houston Habitat for Humanity’s Restore offers affordable flooring materials at our two locations. These home improvement stores also sell new carpet, vinyl, tile, hardwood, trim, tools, and building materials, and more at a fraction of the retail price.  Discounted flooring is priced to sell so start looking early and check back often!

Then, factor in other costs associated with floor remodeling. Underlayment or padding is required no matter what kind of flooring you choose as it provides support and moisture absorption. It’s a good idea to order 10% to 15% extra material for mistakes, additional areas, and the unexpected.  This extra flooring will save time and money overall.  Additionally, disposal of old flooring may require renting a dumpster. Also, think about tools for your flooring project. A moisture meter, level, and flooring nails are must-haves for ensuring a smooth surface.

Necessary Tools

DIY flooring projects can save time and money, but the right tools make a big difference. Careful preparation is essential to an efficient workday. Below is a list of tools for removing and installing any type of flooring. Remember, major tools can be rented by the day.

  • measuring tape
  • pencil or marker
  • utility knife
  • hammer
  • level
  • masking tape
  • painter’s tape
  • chalk line
  • drill and drill bit set
  • compressor
  • rubber mallet
  • shop-vac
  • chisel
  • pry bar
  • carpenter’s square or T-square
  • saws: hand, table, jamb, miter, circular, undercut, jigsaw, undercut or wet (for tile)
  • moisture meter
  • appropriate adhesive
  • safety glasses
  • ear protection
  • gloves
  • face mask
  • kneepads

Common Mistakes

Avoiding mistakes in your flooring project can save time, money, and frustration. Common pitfalls in DIY flooring projects include overlooking subfloor issues, improper layout, ignoring moisture levels, and rushing through the installation. A botched project can cost more time and money than it would to hire a professional. Don’t make these typical floor installation mistakes!

Mistake: Ignoring Subfloor Issues

Subfloor issues can drastically shorten your flooring’s lifespan. Problems like moisture damage, structural weakness, or mold must be addressed before installing a new floor. For example, wood and laminate floors are particularly sensitive to moisture, which can cause warping or buckling. If you have a concrete subfloor, ensure that moisture levels are below 4% before proceeding. Skipping this step can lead to costly repairs down the road.

Mistake: Skipping a Floor Layout

Though a room may seem square, this is rarely the case Start by laying out the entire floor to spot any irregularities before securing flooring materials. Beware: beginning in one corner and attaching as you go could lead to unevenness and extra steps.

Mistake: Neglecting Expansion and Contraction

Wood and laminate floors can become looser during winter and expand during summer’s humid conditions, potentially leading to cracking. Be sure to adjust for dilatations by leaving sufficient gaps for expansion and contraction around the perimeter of each room.

Mistake: Rushing the Process 

Letting the new flooring sit for a few days will allow for acclimatization to Houston’s environment. This will help avoid warping and breaking, plus will permit layout adjustment.

Mistake: Neglecting Maintenance and Care

Routine maintenance helps protect your investment. Regularly clean your floors and address spills promptly to avoid moisture buildup, which can harm wood, carpet, or vinyl flooring. Each flooring material has unique maintenance needs, so research specific products for wood, laminate flooring, and other surfaces to prevent damage. Hardwood and carpet floors may also require specific tools or gliders to protect against heavy furniture and prevent damage in high-traffic areas.

Choose the Best Flooring for Your Needs

Each room in your home has unique needs, making it essential to choose the right flooring for each space. In high-moisture areas like kitchens, bathrooms, or laundry rooms, consider vinyl plank flooring or ceramic tiles. These materials resist moisture and are easy to clean, making them perfect for spaces prone to spills. For living rooms or bedrooms, laminate flooring or carpet offers comfort, warmth, and ease of maintenance. A professional installer can help you assess your options and find the right flooring choice based on square footage, lifestyle, and usage.

In selecting flooring there are many types and a wide variety of costs.  Consider the benefits of each type based on the specific needs of each room.

  • Vinyl: Available in a wide range of colors, patterns, and finishes, this option is easy to install and clean. It is also quite long-lasting although heavy furniture can damage it, and it is susceptible to sun fading. On average, vinyl flooring costs between $3 and $7 per square foot.
  • Linoleum: Similar to vinyl in texture and durability, this flooring can be refinished and re-stenciled. Prices range on average between $3 to $7 per square foot.
  • Carpet: Comfortable and soft, carpeting keeps away cold underfoot, however, it also holds allergens such as animal dander and needs to be cleaned annually. Carpet prices can range from $2 to $12 or more per square foot.
  • Tile: Both attractive and durable, tiles are easily replaceable when damaged but also slippery when wet and damaging to fragile items. Tile can cost $2 per square foot but goes much higher.
  • Hardwood:  Long lasting and beautiful, hardwood flooring is popular but can be pricey. The national average cost per square foot of hardwood flooring is $10.
  • Laminate: With the look and feel of hardwood but with easier installation, this option is priced well but is prone to moisture damage so keep away from bathrooms, kitchens, and laundry rooms. Laminate cost averages $6 per square foot.
  • Cork: Naturally resistant to mold and microbes, plus is flame retardant. It can fade in sunlight, but can be refinished. Cork averages the cost per square foot of $5 to $12.
  • Concrete: This type of flooring is ideal for high-traffic areas. It can be polished for a finished look and easily handles moisture. Pricing ranges from $2 to $8 per square foot.

Getting Started

DIY flooring projects offer numerous benefits, from cost savings to creative satisfaction. To make your project easier, follow these tips:

  • Double-check measurements: Ensuring accurate square footage prevents waste.
  • Work in sections: Plan realistic goals for daily progress.
  • Clear the room: Move all furniture and essentials to prevent interruptions.
  • Practice cuts: Test cutting and shaping before installing.
  • Clean the workspace: Use a shop-vac and ensure a dust-free surface.
  • Inspect the subfloor: Repair weak spots, sagging areas, and level uneven surfaces.

Finalize your flooring project by replacing moldings and trim, then giving the room a final clean. By staying organized and following a step-by-step guide, you can create a beautiful and functional space.

Quick Updates

Not every floor improvement requires a complete remodel. For a fast update, consider these options:

  • Paint: Many floor types can be painted. A single gallon can cover up to 400 square feet with a primer and sealant.
  • Peel and Stick Tiles: Perfect for quick changes, these tiles adhere to most surfaces for an instant new look.
  • Wallpaper for Floors: Suitable for wood, vinyl, or linoleum, wallpaper can be sealed with polyurethane for added durability.
  • Unusual Materials: Pennies, scrabble tiles, and more have all become popular in recent years.

For those who want an aesthetic update, these DIY options are cost-effective and often don’t require a professional installer. Reach out to your community to see if similar projects have been done in their homes!

Disaster Recovery & Repair

For homeowners in disaster-prone areas, flooring recovery may be necessary after floods or heavy rain. After turning off electricity, inspect your floors for signs of water damage, like discoloration in carpets or warping in wood. Removing damaged flooring materials, drying the subfloor, and checking for mold are essential steps before installing new floors. In flood-prone areas, vinyl plank flooring and ceramic tiles are resilient, moisture-resistant options.

Here’s how to spot water issues by material:

  • Hardwood: Warping, discoloration, or mildew.
  • Laminate: Curling, bubbling, cracks, and sponginess.
  • Vinyl: Discoloration, gaps, bubbling, and loose adhesive.
  • Carpet: Wetness, buckling, and mold.
  • Tile: Loose tiles, musty smells, and mold between tiles.

Act quickly to minimize damage, and consider moisture-resistant flooring options if your home is vulnerable to water issues. Professional installers can help assess and restore damaged floors effectively. If you need extra assistance, reach out to local non-profits who specialize in disaster recovery.

What is Off-Gassing?

New flooring may emit chemical odors, known as off-gassing, which can impact indoor air quality. Vinyl flooring, carpet, and laminate often contain VOCs (volatile organic compounds). Exposure to these compounds can cause respiratory issues, especially for children and sensitive individuals.

“Nobody’s telling you what is coming from all those vapors mixing in the air,” says Jillian Pritchard Cooke, the founder of Wellness Within Your Walls, an education consultancy focused on dramatically reducing the dangers of off-gassing. “It’s up to us to understand the individual effects each chemical can have on your nervous system, your lungs, and your cellular makeup.”

To reduce off-gassing, seek out low-VOC or PVC-free materials, ventilate well, and follow the manufacturer’s recommendations for safe installation. Minimizing VOC exposure contributes to a healthier indoor environment for your family.

Best Flooring for Houston

Houston’s hot and humid climate can impact flooring materials. Consider options that hold up well in humidity, such as ceramic or porcelain tile, vinyl plank flooring, and laminate flooring. Waterproof engineered hardwood is another excellent choice, combining the classic appeal of wood with added resilience against moisture. Carpeting may not be ideal in humid regions due to moisture retention, which can lead to mildew.

Save Money at ReStore

Houston Habitat for Humanity’s ReStores provide budget-friendly home improvement supplies, including carpet, vinyl, tile, and hardwood. ReStore locations offer discounted flooring materials and other essentials for DIY flooring projects. Shopping at ReStore also supports Habitat’s mission, allowing homeowners to save while contributing to their local community. Consider donating leftover materials to ReStore after completing your project to reduce waste and disposal costs.

Final Thoughts

DIY flooring projects bring both satisfaction and cost savings. With careful planning, selecting the right flooring materials, and following a step-by-step approach, you can create a beautiful and long-lasting surface. Whether you choose laminate flooring, ceramic tiles, or vinyl plank flooring, the effort you invest will enhance your home’s appearance and functionality.

 

How Did Habitat For Humanity Start

Though officially established in 1976, Habitat for Humanity International traces its roots back to Koinonia Farm in southern Georgia. Founded by Clarence Jordan, this Christian farming community focused on equality, resource sharing, and stewardship of the land. 

In 1965, Millard and Linda Fuller, seeking a path of Christian service, visited Koinonia, where they developed the concept of “partnership housing” alongside the Jordans. This concept empowered families in need of adequate shelter to work with volunteers to build affordable houses.

The houses were sold without profit, and no interest was charged on loans. Funds from house payments and donations were directed into a revolving fund called “The Fund for Humanity,” which supported future builds. In 1968, Habitat laid out 42 half-acre house sites, with a community park serving as a recreational space. These affordable homes marked the beginning of the global housing ministry known today as Habitat for Humanity.

A National & International Organization

After success at Koinonia, Millard Fuller gathered supporters in 1976, formally establishing Habitat for Humanity International. The organization is grounded in faith and hard work, aiming to address issues of poverty housing. The Fullers’ model of partnership housing flourished and spread internationally, ensuring families worldwide could build and buy decent homes.

One of the most transformative moments in the organization’s history occurred in 1984 when former U.S. President Jimmy Carter visited a Habitat build in New York City. The build site did not have enough volunteers and work was slow.  Carter and his wife Rosalynn Carter, took action and recruited a few dozen people to help in the effort. With Carter’s help, the stalled project gained traction, and 19 families moved into new homes. Carter’s involvement led to the launch of the annual Jimmy & Rosalynn Carter Work Project, further raising Habitat’s profile and helping build affordable houses in North America, Latin America and the Caribbean, Africa, Eastern and Western Europe, and throughout the Asia-Pacific region.

Houston Habitat’s Timeline

Habitat for Humanity is truly an integral part of the city of Houston’s history. Founded in 1987 by Carl Umland, the organization’s first house was completed a year later and Ms. Dorothy Howard moved in with her eight grandchildren. A landmark achievement occurred in 1998 during the Jimmy & Rosalynn Carter Work Project, when 100 homes were built in one week—an unmatched record.

Houston Habitat has also contributed to disaster relief efforts following hurricanes like Katrina, Rita, and Harvey. Their most recent project is Robins Landing, Houston’s first affordable housing master-planned community, which highlights the organization’s mission to address the city’s affordable housing crisis.

“We know we can’t build our way out of this crisis,” said Houston Habitat CEO Allison Hay. “But we can role-model good behavior for others. Our mission is about the homebuyer. If Habitat can do it, others can too.”

Here To Build Our Houston

Beyond housing construction, Houston Habitat operates ReStore, a home improvement store that sells donated furniture, construction materials, and appliances at a fraction of retail prices. Profits from ReStore directly support Habitat’s mission to build and repair homes in Houston. Donations of materials and volunteering remain integral to the organization’s success, allowing more families to achieve homeownership and contribute to a stronger community.

According to the National Habitat for Humanity, many ReStores cover the administrative costs of the Habitat affiliate so that 100% of donor funds can be put toward home construction and rehabilitation projects.

From building decent houses to revitalizing neighborhoods, Habitat continues to provide affordable shelter through the collaborative efforts of volunteers, donors, and community partners. Become part of Houston Habitat’s legacy by volunteering, donating, or shopping at ReStore. Every action helps build homes, hope, and a stronger future for those in need.

What Is Volunteer Time Off (VTO)

In today’s corporate landscape, volunteer programs are an increasingly valued component of company culture, known for fostering employee engagement and strengthening connections within both the organization and the community. 

For many companies, Volunteer Time Off (VTO) represents a formal commitment to the greater good, allowing employees to use their paid time off program to make a positive impact by supporting various nonprofit organizations and charitable organizations of their choice. 

Policies vary, but each organization typically offers volunteer hours ranging from 8 to 40+ per year, encouraging employees to actively participate in volunteer activities and gain volunteer experience. Keep in mind that VTO can also mean Voluntary Time Off, which has different rules from Volunteer Time Off, including being unpaid.  

What are the Benefits of Volunteering?

The benefits of volunteering go beyond a simple “feel good” factor. Studies show that those who volunteer report increased health and lower stress levels. For example, research by the Harvard School of Public Health suggests that people who volunteer spend fewer nights in the hospital and experience lower mortality rates. Volunteers of all ages enjoy greater stamina, improved mental health, and a sense of fulfillment, proving that volunteer activities can offer more than just temporary satisfaction—they also contribute to long-term wellness.

Interestingly enough, while many people say the biggest obstacle to volunteering is a lack of time, published research in Psychological Science demonstrated that when people gave their time to causes they cared about, they actually perceived they had more free time. So while it may seem counterintuitive, when you donate your time toward something that matters to you and that energizes you, you’ll pay yourself back with the perception of having more time overall.

In addition to personal benefits, volunteering promotes social connections, creating an opportunity for volunteers to expand their skills and develop new friendships. Participating in volunteer programs allows employees to foster social skills while working on meaningful projects with others, making volunteer hours a platform for building genuine connections. And from an organization’s perspective, employee engagement through volunteering contributes to a stronger, more cohesive company culture.

What Skills Can You Gain from Volunteering?

For employees looking to transition to a new field or grow in their careers, volunteer opportunities provide a powerful way to gain new skills and add valuable volunteer experience to their resumes. The commitment to helping a charitable organization in one’s volunteer time reflects dedication and adaptability—qualities that are highly valued in any organization. Furthermore, volunteering builds leadership qualities by allowing volunteers to sharpen essential skills like project planning, communication, and organization—all of which are easily transferable to the workplace.

A Lasting Impact

The chance to make a difference in one’s community is a powerful motivator. Whether assisting a nonprofit organization in your city or supporting causes overseas, volunteer programs foster understanding and compassion, expanding perspectives and reinforcing our shared humanity. Many organizations also see the long-term value in volunteer programs that align with company values, as these initiatives often leave a lasting positive impact on employees’ lives and the community alike. For example, partnering with nonprofit organizations like Habitat for Humanity gives volunteers the chance to create a legacy that will benefit future generations, making every hour of volunteering a meaningful investment.

VTO and Employee Retention

Implementing a VTO policy is one of the most effective ways for employers to boost employee engagement and foster a sense of pride within the company. Many companies report that volunteer activities reduce employee turnover, increase productivity, and enhance the company’s reputation as a socially responsible organization. A 2023 LinkedIn survey found that companies with active volunteer programs experienced a 52% reduction in turnover among new employees. To establish or improve a volunteer time program, organizations should decide on annual volunteer hours limits, provide a clear process for employees to follow, and select reputable nonprofit organizations aligned with the organization’s core values.

When it comes to choosing policy details, you’ll need to decide what works best with your organization’s resources, advises Laura Handrick, owner of HR advisory firm Laura H Consulting, LLC. “A smaller firm might let employees take one day of VTO a year to volunteer at a food bank, spend a day cleaning up a beach or highway, or teach a class at a domestic violence shelter,” Handrick said. “Larger firms might choose to offer larger blocks of VTO. For example, a firm might give employees up to five days of VTO a year to assist with local Habitat for Humanity builds.”

By promoting volunteer opportunities during onboarding and through company-sponsored events, organizations can ensure that the commitment to volunteering is well communicated across all levels of the company.

Exploring Volunteer Opportunities in Houston

How can you volunteer your time? Houston is a city of active volunteers. Between 2012 and 2020, at least 50% of residents in the three-county area had volunteered at least once in the last 12 months, according to the Kinder Houston Area Survey. Opportunities are everywhere – try not to get overwhelmed. Consider your interests, goals, and time commitment.

For those interested, local charitable organizations like Habitat for Humanity offer flexible ways to give back, including working alongside future homeowners, supporting community garden projects, and helping staff ReStores. No specific skills are required—just a passion to make a positive impact. Got questions? Here are answers to some frequently asked questions. Looking towards a bigger goal? Join Houston Habitat’s Core Volunteer program or one of our upcoming Global Village trips here.

Other Ways to Give

For those unable to commit time to volunteering at the moment, financial contributions are also a valuable way to support nonprofit organizations. Recurring monthly donations are an easy way to give without a big hit to your wallet. 

Many companies offer matching gift programs, doubling the impact of individual donations. Many non-profits list company matching programs on their website or you can contact your company’s Human Resources Department for more details.  

Some companies will even automatically donate a portion of your purchase directly to a designated non-profit. For example, Kroger and Walmart.com will donate a portion of your purchase to Houston Habitat for Humanity. When shopping at Kroger, link your Kroger Plus Card to Houston Habitat by visiting www.KrogerCommunityRewards.com and entering organization ID #80051. When shopping on Walmart.com, round up your change and donate it to Houston Habitat through their “Spark Good” program.

Further options include stock donating, memorial gifting, donation of a car, truck, boat or RV, and incorporating the non-profit into your estate planning. Remember a gift of any size will have a positive impact on the organization.

Whether through volunteer hours or donations, every contribution to charitable organizations like Houston Habitat for Humanity helps strengthen the community.

By participating in volunteer activities and embracing a commitment to community service everyone benefits. Whether you’re motivated by personal passion, professional growth, or the desire to make a difference, the power of volunteering truly extends far beyond the volunteer experience itself.

Common Home Buying Questions in Houston

There are lots of questions about buying a home for the first time. Here are four of the most commonly asked questions about home buying, as they apply to Houstonians in 2024:

  •  How do interest rates work for home loans?
  •  What is considered a first-time home buy?
  •  Can a single person get a habitat for humanity home?
  •  Where are affordable neighborhoods for single family homes in Houston?

Interest Rates for Home Loans

Information about interest rates is not something most schools teach. Therefore, many adults looking to buy a house have thoughts such as “How do interest rates actually work?”, “How are interest rates calculated?”, and “What is a good interest rate?”.

First, what is interest and what is an interest rate? Interest is the price you pay to borrow money. When borrowing money, the original amount borrowed must be paid back, plus a certain percentage of the total loan amount. This certain percentage is the interest. The exact percentage applied to the borrowed money is the interest rate.

An interest rate is determined by several factors, and each lender uses different factors. Some considerations when deciding an interest rate are credit scores, income, length of the loan (longer will have a higher rate), as well as economic trends which no one person has control over. Understanding interest rates is important because higher interest rates mean paying more money over time. For example, a $200,000 loan with an interest rate of 4% simple interest means the total amount paid back to the lender is$208,000. This is the original amount of $200,000 plus $8,000 (which is 4% of $200,000).

What is considered a good interest rate can change almost daily, so be sure to do your research and keep tabs on which direction rates are heading. In mid-2024, a good home loan rate was 6.17% for a 15-year fixed loan, while 6.89% was a good rate for a 30-year mortgage, according to Freddie Mac’s weekly survey. Referencing the example above, a $200,000 loan would have to be paid back as $212,340 over 15 years and $213,780 over 30 years.

One of the benefits of working with Habitat for Humanity is that they are able to negotiate with lenders to secure a mortgage that fits your budget, often below current fixed mortgage interest rates, and making certain you can afford your mortgage.

Who’s a First Time Home Buyer?

In the world of home buying, being a first-timer can have many benefits, such as lower interest rates. That is why it is important to know if you can be considered a first time home buyer. There are more variations of this title than one might think. Did you know you can be a first-time home buyer more than once?

  • The U.S. Department of Housing and Urban Development (HUD) has qualifications to classify first time homebuyers:
  • A person or spouse with no ownership in a principal residence during the 3-year period after property purchase, like renters.
    A single parent who only owned a property with a former spouse while married. Also applicable to caregivers.
  • A person who is a displaced homemaker and only owned with a spouse, like a divorced stay-at-home individual.
  • A person who owned only a principal residence which was not permanently affixed to a permanent foundation, in accordance with applicable regulations. Example: some owners of mobile homes.
  • A person who only owned property which was not in compliance with building codes and couldn’t be brought into compliance for less than the cost of constructing a permanent structure.

As a few examples of accessible assistance, there is a Texas first home buyer program, while certain occupational groups can receive special bonuses for being first-time home buyers. For those identifying as the following, research what additional benefits are available to you: veterans, service members, educators, firefighters, EMTs, law enforcement, doctors, and nurses. Spending time reviewing all possible avenues of support can save major money in the end.

Single People & Habitat Homes

Houston Habitat for Humanity offers equal opportunities to all. Applicants receive consideration for home ownership without regard to race, color, religion, national origin, sex, disability, and familial status. This means a single person can get a Habitat for Humanity home as likely as a married couple, a single parent, or a multiple person household.

Many U.S. households spend a large portion of their income on housing, meaning they have less money for other essentials like food, clothing, transportation, and healthcare. For those without the benefit of a second income from a partner, many single people carry the full weight of expenses alone, including emergencies. For a 1-person household, the income requirements are  $33,150 minimum and$53,000 maximum. The single home buyer must also demonstrate a need for shelter, a good credit score, ability to pay, have a willingness to partner, and be a legal resident 18 years of age or older.

Affordable Houston Neighborhoods

When looking to establish a permanent home in Houston, many consider location to be a top priority. Houston is a very large city with many diverse neighborhoods and communities and location can often be the biggest factor in determining the price of a house.

So what are the top neighborhoods for settling down in Houston?

Robins Landing is one of Houston’s newest perfect neighborhoods featuring 460 single-family homes on 127-acre property full of amenities in North Houston. It is also Houston’s first affordable master-planned community, featuring stormwater infrastructure, a childcare center, healthcare, banking, a library, and onsite green spaces and trails.  Single-family houses in Robin’s Landing feature 3 or 4 bedrooms, 2 bathrooms and range in size from 1,100 to 1,400 square feet. Robins Landing is ideal for those looking for a walkable and family-friendly neighborhood.

The historic Settegast neighborhood is another affordable place for those looking to own. Houston Habitat has been working to revitalize this neighborhood by building new homes and repairing numerous homes damaged by Hurricane Harvey. Long-time and new residents are highly committed to maintaining and improving their neighborhood. This includes multiple beautification projects and a community garden! If you are looking for a strong community vibe, check out Settegast.

Want more? Below is an alphabetical listing of additional affordable areas in Houston to consider.

  • Kashmere Gardens
  • Clinton Park/Tri-Community
  • Downtown
  • Eastwood
  • El Dorado/Oates Prairie
  • Independence Heights
  • Kingwood
  • Magnolia Park
  • Oak Forest
  • Pecan Park

Partner with Habitat for Humanity

The home-buying process can feel overwhelming, but you don’t have to navigate it alone. Houston Habitat for Humanity is here to support you on your journey to homeownership. Join countless Houstonians who have built and purchased homes of their own. Begin by taking our Homeowner Eligibility Quiz—it’s the simplest way to see if you qualify to become a Houston Habitat homeowner. The screener, available in both English and Spanish, takes just 15-20 minutes to complete. Be sure to have your financial, debt, and living information ready. There’s no limit on how many times you can apply, so take the first step today for a brighter tomorrow!

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