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stronger together

At Habitat Charlotte, we know that a family should never have to spend more than 30 percent of their income on a home. But consider that today nearly 19 million U.S. households pay half or more of their income on a place to live.

That is unacceptable.

That means that 1 in 6 families are denied the personal and economic stability that safe, decent and affordable housing provides. Instead, 1 in 6 families are forced to make impossible choices.

Safe homes. Nutritious food on the table. Health care. Access to good schools. Reliable transportation. Which would you choose?

We have to take a stand and declare our commitment: Habitat Charlotte will work to ensure that no family has to pay more than half of their paycheck to cover the cost of home.

Everyone deserves to build the foundation for a strong, healthy future for themselves and their families — no matter where they live or how much money they earn.

Help us make that possible. Help us make the #CostOfHome something we all can afford.

areas of focus

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.

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.

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.

Source of Income Discrimination

Source of Income Discrimination (SOID) plays a significant role in compounding Charlotte’s upward mobility and affordable housing crises. SOID is any instance where a landlord, leasing agency, or seller of property refuses payment for housing services from any legal form of monetary payment by or on behalf of the resident. This includes child support and alimony, Veteran benefits, student loans, inheritances, disability checks, and any rental assistance from a community organization or government such as the City of Charlotte or Mecklenburg County.

At Habitat Charlotte we are advocating to remove this barrier that limits upward mobility and log jams access to affordable housing.

Homestead Exemptions

Faced with rising costs of living on fixed incomes, many senior citizens struggle to make ends meet while they age in their homes. For many seniors, rising property tax bills lead to tough choices:

  • Should I pay my taxes or pay for my medicine?
  • If I move, where can I afford to move to?
  • How far away from the life I know will I have to go to be able to afford to live?

Homestead Exemptions help seniors manage increases in their property taxes. However, these exemptions are not equally applicable across the state as current law does not factor cost of living variances in North Carolina counties. Habitat Charlotte is leading the charge on Homestead Exemption reform to make these exemptions more effective in preserving homeownership across the state.

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advocacy questions?

Contact Ryan Carter at
rcarter@habitatcharlotte.org or 704.716.5630.