Lack of affordable housing has led to High Rent Burdens, Overcrowding and Substandard Living Conditions
The Need is Great
In the United States, 48.5 million people are living in poverty; that's 14.5% of the total population.
On a Global Scale
Worldwide, some 827.6 million people live in urban slums. It is estimated that by 2020, that number will increase to a staggering 1 billion.
Opportunities are Limited
In South Carolina, 28% of the renting population spends more than half of their household income on rent and utilities
Let them work, let them live
A single wage earner in South Carolina would need to work 79 hours a week for 52 weeks a year to afford a two bedroom apartment at Fair Market Rent.
A Vicious Cycle
Children of impoverished circumstances have lower educational attainment and greater risk of unemployment
31.9% of children under six in South Carolina are in poverty. Children are especially vulnerable to a range of material deprivations and risks to heath, cognitive and emotional development.
In South Carolina…
Poverty Rate 19% (9th Highest in Nation)
Children of Single Parents in Poverty 44%
Low Income Families that work 38%
Low Wage Jobs 33%
In the state of South Carolina, Children in poverty are 3x more likely to have moderate to severe health problems
Vision: A world where everyone has a decent place to live
Take the ’30 for 30′ Challenge
NEED FOR HOUSING
Applicants must be living in housing that is not adequate in order to be selected for partnership. Examples of problems with existing housing that might include plumbing problems, electrical problems, structural issues, heating/air issues, overcrowding, unsafe neighborhood, and affordability. A need for housing is determined through a Home Assessment; the Home Assessment is the final part of the Application Process. Home Assessments are conducted by a pair of volunteers, the pair will call the applicant to arrange a date and time that works best for everyone. The Home Assessment serves as a time for the applicant to discuss why he/she is applying to Habitat, any issues with his/her current housing, and what becoming a homeowner would mean to the family.
Applicants must be able to show enough consistent household income to pay the monthly mortgage, utility bills, and other debts such as student loans, credit cards, car payments, and still have sufficient money left for family support needs. The ability to pay is determined through proof of income (employment, VA benefits, Social Security, Disability are all acceptable) submitted, a credit report is done, and an individual Financial Assessment is conducted. Applicants must meet the HUD 30-60% median income guidelines for their family size. With the credit report Habitat is not necessarily looking at your score, but more what is present (i.e. major delinquencies, reliance on finance companies, bankruptcy, etc…), if accepted into the program, candidates only have a limited time to clear all negative credit/collections so Habitat must assess whether or not that is feasible. An individual Financial Assessment is conducted by a volunteer Financial Counselor, they will be assessing an applicant’s debt-to-income ratio, budget/savings practicing, and reviewing the credit report.
WILLINGNESS TO PARTNER
Applicants must be willing and prepared to complete all program requirements; Habitat for Humanity is a partnership program. This can be demonstrated through assessment engagement, attitude, responses to questions, show a general or comprehensive understanding of program expectations and homeowner responsibilities. While Ability to Pay and Need for Housing are important to determine an applicant’s program eligibility, Willingness to Partner, is often the most crucial aspect of the application process and the Habitat program. If an applicant is accepted into the program he/she must complete mandatory monthly sweat equity hour requirements, clear negative credit/collections, make monthly down payment installments, and attend monthly Homeowner Education Workshops; Habitat is not a quick process, and not an easy one. Candidate Homeowners work extremely hard for their homes, the point of this is to be proud of your home, understand your home, and become a successful homeowner.
Habitat for Humanity is only the hammer; we need the community to drive the nails. Getting involved is easy and there
is something here for everyone to take part in building homes, communities and hope.
We couldn't do it without you!
Sponsors make our world go round!
Central South Carolina Habitat for Humanity offers a variety of sponsorship opportunities for businesses, churches, and other organizations to support affordable housing projects in the Midlands. Our sponsors are true partners as we work together to ensure that all people have decent, affordable housing.