At Habitat for Humanity, we know that a family should never have to spend more than 30 percent of their income on a home. Today, over 19 million U.S. households pay half or more of their income on a place to live. That is unacceptable.

In the United States, 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. Healthy food on the table. Health care. Access to good schools. Reliable transportation. Which would you choose?

Habitat knows the problems that surround the cost of home. We also know the struggle, stress and pain of far too many families in our communities. And we know that those with the fewest resources are forced to make the hardest choices. We have to take a stand and declare our commitment. No family should have 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. Every family deserves the chance to thrive.

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


Habitat Springfield has joined the Cost of Home advocacy campaign, which seeks to find solutions and help create policies that will allow 10 million individuals to meet their most basic needs. We will raise our voices to influence policy and system changes at the federal, state, and local levels to declare that every family should be able to afford the cost of home.

Missouri Statistics:

  • In Missouri, one out of 10 households spends more than 50% of their income on housing.

Springfield, Missouri Statistics:

  • In Springfield, more than 10,000 renter households are considered “extremely low income.” This includes those making less than, or equal to 30% of the area median income (AMI).
  • In Springfield, there is a deficit of more than 8,000 affordable housing units available for extremely low income individuals.

Cost of Home Focus Areas:

Bold action is needed to address the increasing cost of housing and to support the residential needs of low-income individuals and families nationwide. This is why Habitat for Humanity has launched Cost of Home, a national advocacy campaign. HFHS will engage housing advocates, Habitat homeowners, volunteers and supporters, as well as federal, state and local policymakers to advance access to safe, decent and affordable homes by focusing on four key issues.

Supply and Preservation – 

Almost every area in the U.S. faces a shortage of safe, decent and affordable homes, particularly ones available to those earning modest incomes. This campaign will support advocacy for policies that enable the production, preservation, and access to affordable homes.

Land Use –

Land is often among the greatest costs of developing homes, whether for rental or for ownership. The Cost of Home support advocacy for land acquisition, use, and development related policies. These policies will bring down the cost to build, and otherwise stimulate the production and preservation of affordable housing, promote fair housing, and fully reflect community needs.

Access to Credit – 

Credit is difficult, if not impossible, for many households to access. Many minority and lower income applicants often do not have access to credit at all or have access to only predatory credit. The campaign will support advocacy for policies that increase and broaden access to safe and sound credit for underserved populations.

Communities of Opportunity – 

As communities experience new development and investment, they need systems in place to preserve affordability and prevent the displacement of current residents. The campaign will support advocacy for policies that protect and strengthen neighborhoods and enable communities to thrive.

Media Coverage:

Habitat for Humanity International:

Learn more about Habitat for Humanity’s national advocacy campaign, Cost of Home, at