Every day we fight to end housing insecurity and help vulnerable families to a path of financial stability and homeownership, but we need you by our side. As a Habitat HopeBuilder you can help provide affordable housing, financial education, and community development.

Through regular recurring gifts, HopeBuilders provide Golden Crescent Habitat for Humanity with a consistent and reliable income stream — allowing us to spend less time fundraising and more time building homes.

• Soaring housing costs led to a substantial rise in housing cost burdens for the first time in 10 years. In 2020, 30% of households had “unaffordable” rent or mortgage payments, defined as exceeding 30% of monthly household income. This is up 1.5 percentage points from 2019.
• Record housing shortages are a fundamental driver of our affordability challenges. Years of underbidding have led to an all-time storage of for-sale homes as well as too few affordable rentals. The U.S. now has a deficit of 3.8 million homes, with the greatest supply shortages at low-income price points.
• Rising interest rates will challenge future efforts to close the gap and will pose major affordability hurdles for low-income homebuyers more broadly. To help illustrate this, the 2 percentage point increase in mortgage interest rates between December 2021 and April 2022 had the same effect on mortgage costs as increasing how prices by 27% or increasing the monthly mortgage payment needed to buy a median-priced home by more than US$600.