Charleston Habitat for Humanity is a locally run affiliate of Habitat for Humanity International, a nonprofit, ecumenical Christian housing organization. Charleston Habitat for Humanity provides affordable home ownership opportunities for working families of moderate income in the cities of Charleston and North Charleston.

A 2008 report by the U.S. Department of Housing and Urban Development defines "moderate income" as any amount that allows a family to make a reasonable monthly mortgage payment. For example, the annual income for a family of four must fall between $20,440 and $35,040 before taxes to be considered moderate.

"Housing need" is defined as overcrowding, paying more than 30% of your salary in rent and utilities; severe structural and mechanical defects, an unsafe neighborhood environment and inability to obtain conventional mortgage financing.

Habitat for Humanity will choose families that demonstrate a housing need and will work with them to arrange a monthly mortgage payment.

Families can qualify for either new homes or home repair programs. Financial and in-kind support comes from homeowner principal mortgage payments; contributions from individuals, businesses, grants and foundations; sales from the Charleston Habitat for Humanity ReStore; and volunteer labor on our construction site.

For more Habitat Homeowner guidelines, please click here.


More detailed information on the Homeowner Home Rehabilitation Program is available here. This program was launched in April 2009.