At Central SC Habitat for Humanity, we believe no one should spend more than 25% of their income on a home. However, due to increased housing costs and growing income inequality, nearly one-third of households in the United States face cost burdens - paying either at least 30% of their income for housing (cost burdened) or at least half of their income on housing (severely cost-burdened). (HFHI 2019 State of Home Affordability).
The state minimum wage for South Carolina is $7.25/hr or $15,080; but the wage required to afford fair market rent for a two-bedroom apartment ($898), is $17.27/hr or $35,919 annually. With the cost burden of housing, plus the gap in wages, often leads families to make decisions between safe homes, quality schools, reliable transportation, health care, and nutritious food. Which would you choose?
This is unacceptable.
Habitat for Humanity has always stood the ground and continues to, that everyone deserves the access to build stability for their family; which comes down to safe, decent, and affordable shelter.
Help us make that possible. Help us make the #CostofHome something we all can afford.
Expanding resources for affordable home production
Many areas across the U.S. are facing shortages of adequate homes, particularly ones affordable to those earning modest incomes. We support advocacy for policies that enable the production and preservation of homes affordable to lower income households.
Developing communities of opportunity
A home isn’t just a building. It includes the community and resources in which you live, work and grow. For families to achieve long-term success and stability, homes must be both well-constructed and built in an area with sufficient access to transportation, jobs, education, food, medical care, and other critical products and services. We support advocacy for policies that allow neighborhoods and communities to thrive.
Increasing inclusive access to credit
Mortgage credit is difficult, if not impossible, for many households to access, and minority and lower income applicants often have access to no types of credit at all. We support advocacy for policies that increase and broaden access to credit for underserved populations.
Enabling equitable access to land
Land is often among the greatest costs encountered in developing homes, whether for rental or for ownership. We support advocacy for policies that empower residents to guide local development and land use decisions to ensure they fully reflect community needs, particularly for populations who have been discriminated against in the past.