The Habitat Model

People in your community and all over the world partner with Habitat for Humanity to build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage.

Beaches Habitat for Humanity serves Eastern Duval County, Florida and accepts applications from those who live or work within that service area. Future home owners are selected by our volunteer Family Selection committee based on 3 criteria

Our Criteria:

  1. Income and Ability to Pay – Habitat homeowners must have had a steady source of income for at least one year that falls within a predetermined range based on household size and have the ability to repay an affordable mortgage.
  2. Need – Habitat homeowners must currently reside in inadequate housing, which includes HUD/Section 8, substandard, overcrowded or unaffordable housing.
  3. Willingness to Partner – Habitat homeowners must accept and support the mission of Habitat for Humanity including completing the application for home ownership, attending educational workshops and performing sweat equity.

In addition to a down payment and monthly mortgage payments, homeowners invest hundreds of hours of their own labor (“sweat equity”) into building their Habitat house and the houses of others. Upon completion, Habitat homes are sold to our partner families at no profit and financed with zero-interest loans. The homeowners’ monthly mortgage payments go into a “Revolving Fund for Humanity” which is used to build still more Habitat homes.

Why we build

  • According to the Out of Reach 2017 Report, Fair Market Rent for a 3-bedroom home in the Jacksonville Metro area is $1,283 each month. An affordable payment for a renter earning the area’s median income is $887. (National Low Income Housing Coalition)
  • Beaches Habitat for Humanity homeowners are people who need a little help to stand on their own. Most work full time in occupations that include orderlies, nursing assistants and cashiers, with annual mean wage in 2016 of $24,050, $24,930 and $20,200 respectively. To afford Fair Market Rent for a 1-bedroom home in Jacksonville, a family needs a minimum annual income of $31,640. (Bureau of Labor Statistics, National Low Income Housing Coalition)
  • Working at minimum wage ($8.10 per hour), an employee would need to work 75 hours each week to afford a modest 1-bedroom apartment at Fair Market Rent. (National Low Income Housing Coalition)
  • In the 2015 – 2016 academic year, the high school graduation rate for students in Beaches Habitat’s Prep Club was 100 percent. In comparison, the graduation for Duval County in 2015 – 2016 was 78.8 percent. (Florida Department of Education)

Habitat for Humanity has shown that building homes does more than put a roof over someone’s head.

  • Home ownership results in lower crime rates.
  • When children grow up in homes that are owned, they are better educated and well-adjusted.
  • Home ownership drives property values higher.
  • Home ownership results in more civic-minded neighbors.

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