While many people have a specific dream home in mind, it’s important to purchase a home that is safe, well-built, and within a mortgage you can afford.
Housing is where the majority of Americans spend their income, and prices are on the rise. Affordable housing has trended toward smaller homes due to the many associated cost savings. As of September 2024, the median listing price per square foot in Texas is $187, reflecting a 35.8% increase over seven years.
So, what size house is best for you? First, determine how many people will live in the house full-time. Next, consider the monthly expenses for your home, including mortgage, insurance, and utilities. Balancing these factors will help you determine the ideal size for your new house.
What exactly is a “small house”? The average house in the United States is 2,500 square feet. Anything below that is considered “smaller.” (This differs from tiny homes, which are generally 500 square feet or less.)</p?
A small house can be an excellent option for those interested in minimalism, energy conservation, downsizing and specifically, first-time homebuyers. Small homes allow young individuals to experience all the responsibilities involved with homeownership without breaking the bank.
Heather Higgins, a New York based designer who frequently handles projects in the 1,000-square-foot range, says, “Requiring less time, energy, and money, smaller living spaces provide greater lifestyle flexibility.”
In addition to freeing up time, smaller homes offer numerous benefits:
Some people believe “bigger is better,” while others have reservations about smaller houses. Below are common hesitations and solutions:
In 2024, newly built homes got smaller for the first time in decades. Home sizes peaked in 2021 when the pandemic forced many people to work from home and additional space was needed. According to the U.S. Census Bureau, the average square footage of new housing units dropped from 2,500 square feet in 2021 to 2,300 square feet in 2024.
Stagnant wages, coupled with rising building and labor costs, are driving homeowners toward smaller homes. In Texas, where the minimum wage has remained $7.25 per hour since 2009, economic pressures are significant. For instance, in Houston, a standard no-frills bathroom sink cost $44.24 in 2022 but increased to $48 by 2024.
Less square footage translates into big savings. To calculate potential savings, add up your current monthly housing expenses (mortgage, utilities, insurance, and maintenance). Compare this total to what you’d spend on a larger house by doubling or tripling the amount. The difference shows how much a smaller home can benefit your finances.
A home’s size doesn’t limit its potential for comfort or style. Many no-cost and low-cost strategies can make a small home feel spacious and luxurious:
Interior designer Dustin Gerken of Dustin Gerken Design says, “One of the most valuable commodities in a residence is floor space. Use the illusion of spatial depth to your advantage by pulling furniture off the wall to add shadow and gradient to the wall behind it.”
Visit both Houston Habitat for Humanity ReStore locations to find great deals on beautiful new items for your home. Stock is always revolving to check often!
In short, yes. Increasing costs and a stubborn housing market have made smaller houses more appealing. While it might not be your forever home, buying a smaller house is a crucial step toward greater financial stability and future housing options.
Everything possible in a large house is an option in a smaller home! First-time homebuyers benefit from lower prices that require smaller down payments and monthly mortgage payments. A smaller home leaves more room in your budget for higher-quality furniture and home improvements. You can invest in durable, long-lasting items rather than cheaper alternatives, saving you more money in the long run. Using creativity and a little bit of the ever-increasing savings made from this decision, the design and feel are completely up to you. Reduced utility costs are also a major benefit – air conditioning a smaller home during Houston’s summer heat can add up to big savings!
Plus when you get ready to sell your home, you are in a positive financial position. Home prices typically depend on the square footage and size of the house. Smaller homes often attract a broader range of buyers due to their affordability, making them more likely to sell.
Virtually tour some of our Habitat Homes, explore the possibilities, and start your journey toward homeownership today.
In a blog post from earlier in 2024, we busted 11 myths commonly associated with Habitat for Humanity. One belief, however, deserves its own post. Of those who have considered working towards a home with Habitat for Humanity, some have decided otherwise with the assumption that they make too much income to qualify. This self-sabotage is a mistake! Before supposing you make too much money for a habitat home, keep reading to learn about the income guidelines. Habitat homes are designed for workers with a dependable job living in an unaffordable area.
Much of HFH information is available in both English and Spanish! Don’t let language get in the way of homeownership. ¡Nuestra información estádisponible tanto en inglés como en español! No permita que el idioma se interponga en el proceso de ser propietario de una vivienda.
Homeownership Program Criteria is grouped into several categories. First, answer these questions. Do you live in overcrowded or substandard housing? Do you pay more than 30% of gross income on rent and do you live in an unsafe and/or unsanitary neighborhood? If yes, then are you a US Citizen or do you have permanent residency status? If yes, are you willing to partner with Houston Habitat for Humanity to put in up to 250 hours of “sweat equity” (more on this later), and complete pre-purchase and post-purchase programs which include financial counseling?
If ‘yes’ was your answer to the above questions, then Houston Habitat for Humanity income requirements are up next for review. For a family of one, the minimum income requirement is $33,150 and the maximum income is $53,000. (No, you don’t have to be married or have children to be eligible). For a family of four, the minimum income requirement is $47,300 and the maximum income is $75,700. For a family of seven, the minimum income requirement is $58,700 and the maximum income is $93,900. Information about Houston Habitat for Humanity income limits are listed on our website for family size, ranging from one person to eight people. These numbers are based on the Area Median Income (AMI) for Houston, The Woodlands and Sugar Land as reported by HUD.
The final aspects of a Habitat homeowner are a satisfactory credit score, and having the ability to afford monthly mortgage payments, including escrow and insurance. The next section in this post contains information about credit and raising your credit score.
A credit score is a three-digit number based on the information in your credit report, a detailed history of credit cards used and loans received. Credit scores may account for the number of years you’ve had credit, how much of your available credit you’re using, if late payments have been made, and any recent negative actions or credit applications. A lower credit score can cause higher interest rates.
Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company. Check your credit here or here for free. Usted puede solicitar una copia de su informe crediticio (gratis y enespañol) de cada una de las tres principales agencias de crédito: TransUnion: Llame al 800-916-8800, Equifax: Visite el enlace o llame al 888-378-4329, Experian: Haga clic en el enlace o llame al 888-397-3742.
Looking to improve your credit? Dispute inaccurate information on your credit reports, keep debts low, make on-time bill payments, retain your oldest account, and avoid applying for new credit accounts.
Sweat equity is “contribution to a project or enterprise in the form of effort and toil”. Partnering with Habitat for Humanity requires sweat equity, which can take multiple forms for future homeowners. “Sweat equity is a transformational experience for families and a cornerstone of our homeownership program,” says Sonia Lee, director of homeowner and mortgage services at Habitat for Humanity International. “The skills and knowledge gained through activities like volunteering on a build site…help set new homeowners up for success long-term.”
For those physically unable to do construction, Habitat allows on a case-by-case basis, clearing debris from build sites, working as a greeter or helper at a Houston Habitat ReStore, or other lower-impact tasks.
Not sure if you are eligible per Homeownership Program Income Guidelines?Just apply to see if you qualify. For those who didn’t make it through a few years ago, the monthly income numbers are different now. And keep applying if you don’t make it today; qualifying thresholds can shift in another year or two.
Prepare, then apply in English or Spanish and submit your documents. Upon application completion and receipt of required documents, Houston Habitat will begin the review process. Applicants are generally notified of their acceptance into the program 60 days after review. For those who do not meet Houston Habitat for Humanity’s criteria for affordable mortgages and are not selected for the program, an informational letter will be sent.
Habitat wants you and your family to have safe, affordable housing. We diligently follow a nondiscriminatory policy aligned with the Fair Housing Act and Equal Credit Opportunity Act, which dictates that race, sex, color, national origin, religion, familial status, age, marital status, disability and/or income from public assistance are not factors in choosing homeowners. Join our Virtual Homeownership Information Sessions to learn more about our program individually, or gather a group of 10 people or more to schedule a free 60-minute virtual information session with us. We are happy to answer any questions via email familyservices@houstonhabitat.org or phone 713-671-9993 x287, and look forward to walking beside you on this journey to meet all the qualifications for a Habitat homeowner!
Donating to charity has many benefits. This act can help with taxes, boost a cause or community, and actually improves personal happiness! According to a recent research paper partnered between Harvard Business School, Simon Fraser University and the University of British Columbia, spending money on other people, also called “prosocial spending”, can increase happiness. Knowing which charity to donate to, however, can be a daunting task. There are many out there, and not all of them use the money they receive wisely. Two historical misuses are using donated funds to overpay executives, and spending more dollars on marketing than aid. So how do you ensure your donations go where they should?
Aligning with a charity or nonprofit begins with understanding your values and ethics. Understanding what is important to you and where you want to see change can highlight, plus eliminate, organizations immediately. When several prospects emerge, asking questions is key. Some useful questions are:
There are several sites on the internet which take the work out of digging into the infrastructure of charitable organizations, like their financials, leadership, and acts. One example is Charity Navigator, which provides free access to information regarding 225,000 charities. Charity Navigator is also a nonprofit, and receives funds from individuals, foundations, and corporations in order to keep ratings objective. GuideStar, under the nonprofit Candid, maintains a database of organizations and the detailed information of each group. Finally, the Better Business Bureau is one of these charity watchdogs as well. By reviewing each of the chosen public charities according to their 20 Standards for Charity Accountability, donors can get a clear picture of responsible practices. These trusted charity rating organizations are the most reliable throughout the industry.
For the sake of full transparency, let’s look at our own reviews. Houston Habitat for Humanity has been a part of Charity Navigator’s rankings since 2005. The report is based on Accountability & Finance, Culture & Community, and Leadership & Adaptability. Currently, we are a Four-Star Charity, scoring 100%, and noted as an organization to which “you can give with confidence.” This site gives quick, to-the-point metrics and scores.
With GuideStar/Candid, Houston Habitat is a recipient of the Platinum Seal. If you love to review numbers, this is the site for you! Informational graphs show revenue vs. expenses, assets & liabilities, and business model indicators. Further, organizational demographics are listed out such as race, ethnicity, gender identity, sexual orientation, and disability.
Better Business Bureau lists Houston Habitat for Humanity as an Accredited Charity, which is the highest available rating. Green marks are given for all categories, including no conflict of interest, providing detailed expense reports, having responded promptly to complaints, and reporting the results of effectiveness assessments. This site also shows when the charity report was issued and when it expires.
Looking for direct access to the financial statements, tax documents, and annual reports for Houston Habitat for Humanity? This link is found in this website under Who We Are, Financial Information. Additional information about how Houston Habitat for Humanity receives and distributes funds is noted in the blog post “How We Fund Our Mission”. Read it and other interesting articles.
What makes a good charity? Only you can answer that question, because everyone holds different beliefs and causes near to their hearts. The tools mentioned above provide transparency and evaluations of organizations, but it is ultimately your decision about what mission speaks to you, what programs best benefit your community, and what fundraising methods align with your finances. Remember, your dollars are your votes for how you want society to be.
Found your charities and are ready to donate money? Keep these tips in mind:
After you’ve completed your donation to a well-researched nonprofit of your choice, especially for the first time, keep an eye on your bank account and credit card statements for a while. Make sure you’re only charged the amount you agreed to donate ― and that you are not signed up to make recurring donations, unless you intended to establish this kind of giving. Also keep records of all donations for taxes. A dedicated folder within your email account can be helpful.
Donations to Habitat for Humanity come in many forms! Some people donate online, while others prefer to mail checks. If your job offers a matching gift program, consider including Houston Habitat. Sponsorships, planned giving, stock gifting, and memorial gifts are greatly appreciated. If you are already a Walmart.com and Kroger shopper, these companies will donate a portion of your purchase to Houston Habitat. Round up your change then donate to Houston Habitat on Walmart.com, and link your Kroger Plus Card to Houston Habitat by visiting their online site and entering organization ID #80051. We welcome all forms of donations and work hard every day to ensure appropriate use.
Wherever you decide to give, on behalf of the nonprofit community, thank you for doing your research and giving to the most deserving of organizations! Your charitable giving has reaching impacts from one generation to the next.
Are you a homeowner looking to replace or install new flooring and curious about the costs of taking on a DIY flooring project? Or maybe you’re planning for the future and want to get a better idea of what’s involved in managing flooring maintenance. Below, we outline a step-by-step guide filled with helpful tips for DIY flooring projects, from choosing flooring materials to calculating square footage and handling high-traffic areas.
When choosing flooring materials, consider the needs of residents, pets, and visitors. Flooring choice is essential, especially in high-traffic areas, where durability matters. Think about movement patterns of mobility devices, unusually shaped furniture, and appliances, as well as ease of cleaning.
The best rooms for budget-friendly flooring are kids’ bedrooms, practical family spaces, and other less visible areas like closets, home offices, and laundry areas. Low-cost flooring in high-traffic areas and entertainment spaces such as the kitchen and living room will not save you money in the long run, as it will not last and will need to be replaced sooner than later.
First, figure out how much flooring will need to be purchased to complete the project. Start by calculating square footage: measure the length and width of the area in feet. Then multiply the length by the width to get the square feet.
Next, review the flooring options. Flooring materials vary widely in cost, ranging from $4 to $20 per square foot depending on the material. Vinyl plank flooring, laminate flooring, carpet, and ceramic tiles are popular and affordable options. Looking for a bargain? Check out local outlet stores and in the clearance section of big box stores, plus flooring stores. Online liquidators and sell-direct sites can also be good sources for deals. Houston Habitat for Humanity’s Restore offers affordable flooring materials at our two locations. These home improvement stores also sell new carpet, vinyl, tile, hardwood, trim, tools, and building materials, and more at a fraction of the retail price. Discounted flooring is priced to sell so start looking early and check back often!
Then, factor in other costs associated with floor remodeling. Underlayment or padding is required no matter what kind of flooring you choose as it provides support and moisture absorption. It’s a good idea to order 10% to 15% extra material for mistakes, additional areas, and the unexpected. This extra flooring will save time and money overall. Additionally, disposal of old flooring may require renting a dumpster. Also, think about tools for your flooring project. A moisture meter, level, and flooring nails are must-haves for ensuring a smooth surface.
DIY flooring projects can save time and money, but the right tools make a big difference. Careful preparation is essential to an efficient workday. Below is a list of tools for removing and installing any type of flooring. Remember, major tools can be rented by the day.
Avoiding mistakes in your flooring project can save time, money, and frustration. Common pitfalls in DIY flooring projects include overlooking subfloor issues, improper layout, ignoring moisture levels, and rushing through the installation. A botched project can cost more time and money than it would to hire a professional. Don’t make these typical floor installation mistakes!
Subfloor issues can drastically shorten your flooring’s lifespan. Problems like moisture damage, structural weakness, or mold must be addressed before installing a new floor. For example, wood and laminate floors are particularly sensitive to moisture, which can cause warping or buckling. If you have a concrete subfloor, ensure that moisture levels are below 4% before proceeding. Skipping this step can lead to costly repairs down the road.
Though a room may seem square, this is rarely the case Start by laying out the entire floor to spot any irregularities before securing flooring materials. Beware: beginning in one corner and attaching as you go could lead to unevenness and extra steps.
Wood and laminate floors can become looser during winter and expand during summer’s humid conditions, potentially leading to cracking. Be sure to adjust for dilatations by leaving sufficient gaps for expansion and contraction around the perimeter of each room.
Letting the new flooring sit for a few days will allow for acclimatization to Houston’s environment. This will help avoid warping and breaking, plus will permit layout adjustment.
Routine maintenance helps protect your investment. Regularly clean your floors and address spills promptly to avoid moisture buildup, which can harm wood, carpet, or vinyl flooring. Each flooring material has unique maintenance needs, so research specific products for wood, laminate flooring, and other surfaces to prevent damage. Hardwood and carpet floors may also require specific tools or gliders to protect against heavy furniture and prevent damage in high-traffic areas.
Each room in your home has unique needs, making it essential to choose the right flooring for each space. In high-moisture areas like kitchens, bathrooms, or laundry rooms, consider vinyl plank flooring or ceramic tiles. These materials resist moisture and are easy to clean, making them perfect for spaces prone to spills. For living rooms or bedrooms, laminate flooring or carpet offers comfort, warmth, and ease of maintenance. A professional installer can help you assess your options and find the right flooring choice based on square footage, lifestyle, and usage.
In selecting flooring there are many types and a wide variety of costs. Consider the benefits of each type based on the specific needs of each room.
DIY flooring projects offer numerous benefits, from cost savings to creative satisfaction. To make your project easier, follow these tips:
Finalize your flooring project by replacing moldings and trim, then giving the room a final clean. By staying organized and following a step-by-step guide, you can create a beautiful and functional space.
Not every floor improvement requires a complete remodel. For a fast update, consider these options:
For those who want an aesthetic update, these DIY options are cost-effective and often don’t require a professional installer. Reach out to your community to see if similar projects have been done in their homes!
For homeowners in disaster-prone areas, flooring recovery may be necessary after floods or heavy rain. After turning off electricity, inspect your floors for signs of water damage, like discoloration in carpets or warping in wood. Removing damaged flooring materials, drying the subfloor, and checking for mold are essential steps before installing new floors. In flood-prone areas, vinyl plank flooring and ceramic tiles are resilient, moisture-resistant options.
Here’s how to spot water issues by material:
Act quickly to minimize damage, and consider moisture-resistant flooring options if your home is vulnerable to water issues. Professional installers can help assess and restore damaged floors effectively. If you need extra assistance, reach out to local non-profits who specialize in disaster recovery.
New flooring may emit chemical odors, known as off-gassing, which can impact indoor air quality. Vinyl flooring, carpet, and laminate often contain VOCs (volatile organic compounds). Exposure to these compounds can cause respiratory issues, especially for children and sensitive individuals.
“Nobody’s telling you what is coming from all those vapors mixing in the air,” says Jillian Pritchard Cooke, the founder of Wellness Within Your Walls, an education consultancy focused on dramatically reducing the dangers of off-gassing. “It’s up to us to understand the individual effects each chemical can have on your nervous system, your lungs, and your cellular makeup.”
To reduce off-gassing, seek out low-VOC or PVC-free materials, ventilate well, and follow the manufacturer’s recommendations for safe installation. Minimizing VOC exposure contributes to a healthier indoor environment for your family.
Houston’s hot and humid climate can impact flooring materials. Consider options that hold up well in humidity, such as ceramic or porcelain tile, vinyl plank flooring, and laminate flooring. Waterproof engineered hardwood is another excellent choice, combining the classic appeal of wood with added resilience against moisture. Carpeting may not be ideal in humid regions due to moisture retention, which can lead to mildew.
Houston Habitat for Humanity’s ReStores provide budget-friendly home improvement supplies, including carpet, vinyl, tile, and hardwood. ReStore locations offer discounted flooring materials and other essentials for DIY flooring projects. Shopping at ReStore also supports Habitat’s mission, allowing homeowners to save while contributing to their local community. Consider donating leftover materials to ReStore after completing your project to reduce waste and disposal costs.
DIY flooring projects bring both satisfaction and cost savings. With careful planning, selecting the right flooring materials, and following a step-by-step approach, you can create a beautiful and long-lasting surface. Whether you choose laminate flooring, ceramic tiles, or vinyl plank flooring, the effort you invest will enhance your home’s appearance and functionality.
Though officially established in 1976, Habitat for Humanity International traces its roots back to Koinonia Farm in southern Georgia. Founded by Clarence Jordan, this Christian farming community focused on equality, resource sharing, and stewardship of the land.
In 1965, Millard and Linda Fuller, seeking a path of Christian service, visited Koinonia, where they developed the concept of “partnership housing” alongside the Jordans. This concept empowered families in need of adequate shelter to work with volunteers to build affordable houses.
The houses were sold without profit, and no interest was charged on loans. Funds from house payments and donations were directed into a revolving fund called “The Fund for Humanity,” which supported future builds. In 1968, Habitat laid out 42 half-acre house sites, with a community park serving as a recreational space. These affordable homes marked the beginning of the global housing ministry known today as Habitat for Humanity.
After success at Koinonia, Millard Fuller gathered supporters in 1976, formally establishing Habitat for Humanity International. The organization is grounded in faith and hard work, aiming to address issues of poverty housing. The Fullers’ model of partnership housing flourished and spread internationally, ensuring families worldwide could build and buy decent homes.
One of the most transformative moments in the organization’s history occurred in 1984 when former U.S. President Jimmy Carter visited a Habitat build in New York City. The build site did not have enough volunteers and work was slow. Carter and his wife Rosalynn Carter, took action and recruited a few dozen people to help in the effort. With Carter’s help, the stalled project gained traction, and 19 families moved into new homes. Carter’s involvement led to the launch of the annual Jimmy & Rosalynn Carter Work Project, further raising Habitat’s profile and helping build affordable houses in North America, Latin America and the Caribbean, Africa, Eastern and Western Europe, and throughout the Asia-Pacific region.
Habitat for Humanity is truly an integral part of the city of Houston’s history. Founded in 1987 by Carl Umland, the organization’s first house was completed a year later and Ms. Dorothy Howard moved in with her eight grandchildren. A landmark achievement occurred in 1998 during the Jimmy & Rosalynn Carter Work Project, when 100 homes were built in one week—an unmatched record.
Houston Habitat has also contributed to disaster relief efforts following hurricanes like Katrina, Rita, and Harvey. Their most recent project is Robins Landing, Houston’s first affordable housing master-planned community, which highlights the organization’s mission to address the city’s affordable housing crisis.
“We know we can’t build our way out of this crisis,” said Houston Habitat CEO Allison Hay. “But we can role-model good behavior for others. Our mission is about the homebuyer. If Habitat can do it, others can too.”
Beyond housing construction, Houston Habitat operates ReStore, a home improvement store that sells donated furniture, construction materials, and appliances at a fraction of retail prices. Profits from ReStore directly support Habitat’s mission to build and repair homes in Houston. Donations of materials and volunteering remain integral to the organization’s success, allowing more families to achieve homeownership and contribute to a stronger community.
According to the National Habitat for Humanity, many ReStores cover the administrative costs of the Habitat affiliate so that 100% of donor funds can be put toward home construction and rehabilitation projects.
From building decent houses to revitalizing neighborhoods, Habitat continues to provide affordable shelter through the collaborative efforts of volunteers, donors, and community partners. Become part of Houston Habitat’s legacy by volunteering, donating, or shopping at ReStore. Every action helps build homes, hope, and a stronger future for those in need.
In today’s corporate landscape, volunteer programs are an increasingly valued component of company culture, known for fostering employee engagement and strengthening connections within both the organization and the community.
For many companies, Volunteer Time Off (VTO) represents a formal commitment to the greater good, allowing employees to use their paid time off program to make a positive impact by supporting various nonprofit organizations and charitable organizations of their choice.
Policies vary, but each organization typically offers volunteer hours ranging from 8 to 40+ per year, encouraging employees to actively participate in volunteer activities and gain volunteer experience. Keep in mind that VTO can also mean Voluntary Time Off, which has different rules from Volunteer Time Off, including being unpaid.
The benefits of volunteering go beyond a simple “feel good” factor. Studies show that those who volunteer report increased health and lower stress levels. For example, research by the Harvard School of Public Health suggests that people who volunteer spend fewer nights in the hospital and experience lower mortality rates. Volunteers of all ages enjoy greater stamina, improved mental health, and a sense of fulfillment, proving that volunteer activities can offer more than just temporary satisfaction—they also contribute to long-term wellness.
Interestingly enough, while many people say the biggest obstacle to volunteering is a lack of time, published research in Psychological Science demonstrated that when people gave their time to causes they cared about, they actually perceived they had more free time. So while it may seem counterintuitive, when you donate your time toward something that matters to you and that energizes you, you’ll pay yourself back with the perception of having more time overall.
In addition to personal benefits, volunteering promotes social connections, creating an opportunity for volunteers to expand their skills and develop new friendships. Participating in volunteer programs allows employees to foster social skills while working on meaningful projects with others, making volunteer hours a platform for building genuine connections. And from an organization’s perspective, employee engagement through volunteering contributes to a stronger, more cohesive company culture.
For employees looking to transition to a new field or grow in their careers, volunteer opportunities provide a powerful way to gain new skills and add valuable volunteer experience to their resumes. The commitment to helping a charitable organization in one’s volunteer time reflects dedication and adaptability—qualities that are highly valued in any organization. Furthermore, volunteering builds leadership qualities by allowing volunteers to sharpen essential skills like project planning, communication, and organization—all of which are easily transferable to the workplace.
The chance to make a difference in one’s community is a powerful motivator. Whether assisting a nonprofit organization in your city or supporting causes overseas, volunteer programs foster understanding and compassion, expanding perspectives and reinforcing our shared humanity. Many organizations also see the long-term value in volunteer programs that align with company values, as these initiatives often leave a lasting positive impact on employees’ lives and the community alike. For example, partnering with nonprofit organizations like Habitat for Humanity gives volunteers the chance to create a legacy that will benefit future generations, making every hour of volunteering a meaningful investment.
Implementing a VTO policy is one of the most effective ways for employers to boost employee engagement and foster a sense of pride within the company. Many companies report that volunteer activities reduce employee turnover, increase productivity, and enhance the company’s reputation as a socially responsible organization. A 2023 LinkedIn survey found that companies with active volunteer programs experienced a 52% reduction in turnover among new employees. To establish or improve a volunteer time program, organizations should decide on annual volunteer hours limits, provide a clear process for employees to follow, and select reputable nonprofit organizations aligned with the organization’s core values.
When it comes to choosing policy details, you’ll need to decide what works best with your organization’s resources, advises Laura Handrick, owner of HR advisory firm Laura H Consulting, LLC. “A smaller firm might let employees take one day of VTO a year to volunteer at a food bank, spend a day cleaning up a beach or highway, or teach a class at a domestic violence shelter,” Handrick said. “Larger firms might choose to offer larger blocks of VTO. For example, a firm might give employees up to five days of VTO a year to assist with local Habitat for Humanity builds.”
By promoting volunteer opportunities during onboarding and through company-sponsored events, organizations can ensure that the commitment to volunteering is well communicated across all levels of the company.
How can you volunteer your time? Houston is a city of active volunteers. Between 2012 and 2020, at least 50% of residents in the three-county area had volunteered at least once in the last 12 months, according to the Kinder Houston Area Survey. Opportunities are everywhere – try not to get overwhelmed. Consider your interests, goals, and time commitment.
For those interested, local charitable organizations like Habitat for Humanity offer flexible ways to give back, including working alongside future homeowners, supporting community garden projects, and helping staff ReStores. No specific skills are required—just a passion to make a positive impact. Got questions? Here are answers to some frequently asked questions. Looking towards a bigger goal? Join Houston Habitat’s Core Volunteer program or one of our upcoming Global Village trips here.
For those unable to commit time to volunteering at the moment, financial contributions are also a valuable way to support nonprofit organizations. Recurring monthly donations are an easy way to give without a big hit to your wallet.
Many companies offer matching gift programs, doubling the impact of individual donations. Many non-profits list company matching programs on their website or you can contact your company’s Human Resources Department for more details.
Some companies will even automatically donate a portion of your purchase directly to a designated non-profit. For example, Kroger and Walmart.com will donate a portion of your purchase to Houston Habitat for Humanity. When shopping at Kroger, link your Kroger Plus Card to Houston Habitat by visiting www.KrogerCommunityRewards.com and entering organization ID #80051. When shopping on Walmart.com, round up your change and donate it to Houston Habitat through their “Spark Good” program.
Further options include stock donating, memorial gifting, donation of a car, truck, boat or RV, and incorporating the non-profit into your estate planning. Remember a gift of any size will have a positive impact on the organization.
Whether through volunteer hours or donations, every contribution to charitable organizations like Houston Habitat for Humanity helps strengthen the community.
By participating in volunteer activities and embracing a commitment to community service everyone benefits. Whether you’re motivated by personal passion, professional growth, or the desire to make a difference, the power of volunteering truly extends far beyond the volunteer experience itself.
There are lots of questions about buying a home for the first time. Here are four of the most commonly asked questions about home buying, as they apply to Houstonians in 2024:
Information about interest rates is not something most schools teach. Therefore, many adults looking to buy a house have thoughts such as “How do interest rates actually work?”, “How are interest rates calculated?”, and “What is a good interest rate?”.
First, what is interest and what is an interest rate? Interest is the price you pay to borrow money. When borrowing money, the original amount borrowed must be paid back, plus a certain percentage of the total loan amount. This certain percentage is the interest. The exact percentage applied to the borrowed money is the interest rate.
An interest rate is determined by several factors, and each lender uses different factors. Some considerations when deciding an interest rate are credit scores, income, length of the loan (longer will have a higher rate), as well as economic trends which no one person has control over. Understanding interest rates is important because higher interest rates mean paying more money over time. For example, a $200,000 loan with an interest rate of 4% simple interest means the total amount paid back to the lender is$208,000. This is the original amount of $200,000 plus $8,000 (which is 4% of $200,000).
What is considered a good interest rate can change almost daily, so be sure to do your research and keep tabs on which direction rates are heading. In mid-2024, a good home loan rate was 6.17% for a 15-year fixed loan, while 6.89% was a good rate for a 30-year mortgage, according to Freddie Mac’s weekly survey. Referencing the example above, a $200,000 loan would have to be paid back as $212,340 over 15 years and $213,780 over 30 years.
One of the benefits of working with Habitat for Humanity is that they are able to negotiate with lenders to secure a mortgage that fits your budget, often below current fixed mortgage interest rates, and making certain you can afford your mortgage.
In the world of home buying, being a first-timer can have many benefits, such as lower interest rates. That is why it is important to know if you can be considered a first time home buyer. There are more variations of this title than one might think. Did you know you can be a first-time home buyer more than once?
As a few examples of accessible assistance, there is a Texas first home buyer program, while certain occupational groups can receive special bonuses for being first-time home buyers. For those identifying as the following, research what additional benefits are available to you: veterans, service members, educators, firefighters, EMTs, law enforcement, doctors, and nurses. Spending time reviewing all possible avenues of support can save major money in the end.
Houston Habitat for Humanity offers equal opportunities to all. Applicants receive consideration for home ownership without regard to race, color, religion, national origin, sex, disability, and familial status. This means a single person can get a Habitat for Humanity home as likely as a married couple, a single parent, or a multiple person household.
Many U.S. households spend a large portion of their income on housing, meaning they have less money for other essentials like food, clothing, transportation, and healthcare. For those without the benefit of a second income from a partner, many single people carry the full weight of expenses alone, including emergencies. For a 1-person household, the income requirements are $33,150 minimum and $53,000 maximum. The single home buyer must also demonstrate a need for shelter, a good credit score, ability to pay, have a willingness to partner, and be a legal resident 18 years of age or older.
When looking to establish a permanent home in Houston, many consider location to be a top priority. Houston is a very large city with many diverse neighborhoods and communities and location can often be the biggest factor in determining the price of a house.
So what are the top neighborhoods for settling down in Houston?
Robins Landing is one of Houston’s newest perfect neighborhoods featuring 460 single-family homes on 127-acre property full of amenities in North Houston. It is also Houston’s first affordable master-planned community, featuring stormwater infrastructure, a childcare center, healthcare, banking, a library, and onsite green spaces and trails. Single-family houses in Robin’s Landing feature 3 or 4 bedrooms, 2 bathrooms and range in size from 1,100 to 1,400 square feet. Robins Landing is ideal for those looking for a walkable and family-friendly neighborhood.
The historic Settegast neighborhood is another affordable place for those looking to own. Houston Habitat has been working to revitalize this neighborhood by building new homes and repairing numerous homes damaged by Hurricane Harvey. Long-time and new residents are highly committed to maintaining and improving their neighborhood. This includes multiple beautification projects and a community garden! If you are looking for a strong community vibe, check out Settegast.
Want more? Below is an alphabetical listing of additional affordable areas in Houston to consider.
The home-buying process can feel overwhelming, but you don’t have to navigate it alone. Houston Habitat for Humanity is here to support you on your journey to homeownership. Join countless Houstonians who have built and purchased homes of their own. Begin by taking our Homeowner Eligibility Quiz—it’s the simplest way to see if you qualify to become a Houston Habitat homeowner. The screener, available in both English and Spanish, takes just 15-20 minutes to complete. Be sure to have your financial, debt, and living information ready. There’s no limit on how many times you can apply, so take the first step today for a brighter tomorrow!
Owning a home means responsibility. Homeowners must pay bills and taxes keep up with maintenance and common repairs to the structure, HVAC, electrical, plumbing and more. Being timely with repairs to the home is beneficial in many ways, such as maintaining the highest levels of security and functionality, maintaining the property’s value, and preventing minor issues from becoming major problems, like a small leak becoming a whole wall teardown.
Sometimes, homeowners cannot afford repairs, and repair assistance is needed. Below is information about grant programs, tips for upkeep, senior home repair programs and veterans home repair grants. Bookmark the page and share this blog with anyone you think could benefit!
According to Consumer Affairs, plumbing and air conditioning systems are the top two most common fixes a Texas home needs. After those are refrigerators and smoke detectors, and lastly, general electrical and water heater issues. A 2021 survey found that 77% of new homeowners will experience an “unexpected issue” that needs repair during the first year of homeownership.
Deferred maintenance, or holding off on needed repairs, often becomes more expensive in the long run once the work becomes critical and needs to be done. Research shows that delaying maintenance can potentially increase costs by as much as 600%. Increasing costs aren’t the only issue; a lack of energy efficiency and possible safety hazards can arise when waiting on repairs. If you need time to figure out how to pay for home repairs, here are tips to decrease the impact of deferred maintenance.
A good way to save money overall is by doing minor fixes yourself. The internet has free, helpful step-by-step videos and instructions by the barrelful for easier and smaller tasks such as patching wall holes and cracks, fixing leaky faucets, and changing an electrical socket. These resources are available in a wide variety of languages and skill levels.
Once you feel more confident, visit a Houston ReStore to pick up affordable tools and materials for your project at a fraction of retail prices!
Another way Houston Habitat for Humanity provides assistance is through its active home repair program which preserves existing affordable homes for low-income individuals and families in Houston, TX. This home repair program is a big part of Houston Habitat’s mission and benefits the Houston community by slowing neighborhood character change or gentrification within the city.
The Housing Construction and Inspection services, within the Housing and Community Development of Harris County, provide financial and technical assistance to make emergency repairs to the homes of very low- to moderate-income homeowners at their primary residential property. Further, the Harris County Home Repair Program provides financial assistance via a grant or deferred payment loan to qualified homeowners needing major rehabilitation and repair or replacement of water wells and septic systems. Remember to review these government home repair grants and loans carefully before applying.
In Texas, seniors (those aged 65 years and older) benefit from property tax deferral, Medicare and Social Security options, senior community services such as AAA, and the Silver Alert program. Houston Habitat for Humanity also has a Senior Repair program. This provides effective and sustainable solutions for elderly homeowners to be able to age in their own comfortable homes. Houston Habitat uses the Housing Plus model and Aging in Place strategies when working with older adult homeowners. Housing Plus includes two assessments to ensure a complete understanding of the low-income senior population in Houston and Harris County.
Houston Housing Authority also offers assistance through the Old Adult Home Modification Program (OAHMP). OAHMP focuses on low-cost, high-impact house modifications such as the installation of adaptive equipment such as a temporary ramp, risers for chairs and sofas, non-slip strips for tub/shower or stairs, raised toilet seats and tub/shower transfer benches to enable older adults to remain safely in their homes. This program primarily relies on the expertise of a licensed occupational therapist to confirm the home modifications to address the individual’s specific needs and goals, while promoting full involvement in daily activities.
Houston Habitat is a proud member of the Habitat for Humanity Repair Corps. This means we offer repairs to the homes of low-income veterans as part of our dedication to supporting and honoring the veteran community. Our organization is generously funded by The Home Depot Foundation, which enables Houston Habitat for Humanity to help veterans build strength, stability, and independence through disabled veteran home repair help with owner-occupied homes. Another veteran perk: all U.S. veterans receive 10% off at both Houston Habitat for Humanity ReStore locations with a valid ID!
The Veterans Land Board also has a Home Improvement Program, which provides loans of up to $25K for repairs on Texas primary residences: single-family dwellings, condominiums, duplexes, triplexes, or four-plexes. These loans are available for veterans and military members who are over 17 years of age and a legal state resident, plus an active duty military member, a member of the Texas National Guard, a reserve component military member having completed 20 qualifying years for retirement, a veteran having served at least 90 active duty days unless discharged sooner due to a service-connected disability and not discharged dishonorably, or a surviving spouse of a Veteran listed as missing in action or whose death was service connected. Learn more on the Texas Veterans Land Board website, under ‘Loans’.
Check out our dedicated blog post about Home Repair Steps after Storm Damage. It lists information on how to assess damage, what permits are needed for reconstruction, and how to choose the best contractor for work outside of the do-it-yourself scope.
Planning and preparing for routine home repair is an important project that pays off in the long term. Before doing the repairs, check your eligibility for government-assisted programs and bookmark websites with free information on DIY home repairs. Easiest of all, follow our success stories and read more about Houston Habitat for Humanity Home Repairs to see what is best for your home and your family!
Habitat for Humanity is a community-focused organization with a mission to empower people to build a better future by building homes alongside volunteers, purchasing their homes with an affordable mortgage, and by completing financial and home maintenance training. One way in which Habitat has been in the news is due to the extended legacy of hands-on work by 39th President Jimmy Carter and former First Lady Rosalynn Carter. Due to this close association, many wonder, did Jimmy Carter start Habitat for Humanity? No, but the Carters’ association and presence has benefited Houston Habitat tremendously, and even the city of Houston itself.
The year was 1984, and Jimmy Carter had been out of the White House for several years and was in New York City to speak at a local church. While there, he saw a nearby active Habitat for Humanity build site and stopped in to say hello, as he had volunteered with Habitat previously in Georgia. The Peach State is both the birthplace of Habitat for Humanity and the lifelong home of Jimmy Carter.
The New York City build site was experiencing difficulty due to a shortage of volunteers. In response, President Carter and his wife, Rosalynn, recruited a few dozen people and added the new volunteers plus themselves to the crew. These additional hands led to a swift finish and move-in day for 19 families. After that experience, the Carters personally worked alongside 103,000 volunteers in 15 different countries to repair, renovate, and build over 4,390 homes over the course of 35 years.
What is the Carter Work Project? The Jimmy & Rosalynn Carter Work Project is an annual Habitat for Humanity home-building event alongside its affiliates. Typically, the build event is within the United States but for several years included locations across the globe. Due to President Carter’s incredible passion for helping families own their first home, over 4,300 homes can be considered a “Carter House” today.
After the 2019 build in Nashville, the pandemic paused the event for three years, but in 2023, it was revived in Charlotte, North Carolina. Hundreds of volunteers, staff, and community members, as well as musicians Garth Brooks and Trisha Yearwood, plus future homeowners, worked over the course of five days building 20 homes on nine acres of land off Morris Field Drive, which was the location of an all-Black school that provided transformative educations educations and essential civic space for the Black community, from the early 1900s through the mid-1960s.
In 1998, Houston was the chosen location of the Jimmy and Rosalynn Carter Work Project. An incredible group of around 6,000 volunteers combated the 110-degree heat to participate. Those who gave their time included 25 local prison inmates, six of whom were hired by the local Habitat affiliate after the completion of their sentences. Through these efforts led by Reverend Harvey Clemons, Jr., Houston Habitat became the first U.S. Habitat International affiliate to build 100 homes in one week by successfully completing the entire project.
On the 25th anniversary of Houston’s participation in the Jimmy and Rosalynn Carter Work Project, residents still living in the homes shared photos and memories with residents still living in the homes shared photos and memories with news station KHOU-11. Wade and Shalina Gibson are among the original homeowners who worked side by side with Jimmy and Rosalynn Carter, as all Habitat homeowners have hands-on roles in building their homes. “He made us laugh, smile and when time to get serious, time to work, we got to work,” homeowner Wade Gibson recalled. “He was a real down-to-earth person, him and his wife. “The biggest lesson: Keep giving, keep loving, keep helping each other out,” Wade said. “And spread the love and do as much as you can to help out folks.” Fellow neighbor and Habitat homeowner Cheryl Crenshaw agreed, saying “They just came here with open arms, you know, they took pictures with us, they did things with us, they showed us things, they talked to us. You know, they did everything.”
Although the Carters themselves are no longer swinging hammers, the event continues in their honor. The 2024 Jimmy and Rosalynn Carter Work Project is planned for September 29 to October 4, 2024, in Twin Cities, Minnesota. The news was shared with a ceremonial passing of the hammer between Charlotte Region Habitat for Humanity and Twin Cities Habitat during the closing ceremony. “President and Mrs. Carter helped open doors for thousands of Habitat homeowners while advancing racial equity in housing,” said Chris Coleman, president and CEO of Twin Cities Habitat for Humanity. “It is an honor to be selected as host of the 2024 Carter Work Project and carry on the Carters’ inspiring legacy of service and generosity to others.”
If Minnesota is a little too far away or a bit too cold for you, come volunteer as an individual or a group with Houston Habitat for Humanity to help create affordable, quality shelters for more local families! There are three ways to become a Houston Habitat volunteer:
Houston Habitat awards The Presidential Volunteer Service Award to volunteers who achieve 100 or more hours in a calendar year. As an eligible Certifying Organization, Houston Habitat submits each volunteer’s hours who make milestones the previous calendar year. Join us today to grow your community, learn new skills, and contribute to a Texas legacy!
As mentioned in a previous blog post, the Houston hurricane season is underway and active until November 30th. There are many ways to be prepared for extreme weather, however, planning will never be able to prevent everything. Do you know what to do if your house is damaged by a storm? We’ve created a step-by-step breakdown of how to handle disaster repair.
Foremost, safety is a priority and prevents injury and fatigue, allowing more work and additional people to be helped. In order to safely begin home repair, confirm the building is structurally sound enough to have people inside, turn off water and electricity to affected areas, use only a flashlight in darkness, and wear protective items such as sturdy shoes, gloves, masks, and eye protection. Look out for slippery spots, broken items, and sharp edges. Also, remember to use caution and distance when moving debris.
After the storm has passed and official authorities have cleared residents to return to their homes, damage assessment begins. Start by looking for the most common types of storm damage. Keep in mind not all damage will be immediately noticeable. Be sure to document every change to your home with pictures and notes for insurance and repair purposes. Ensure your address is visible from the street for emergency vehicles.
The roof of a building is the most likely place to be battered by a storm. Common signs of roof damage are holes, leaks, dents, missing/broken shingles, and split seams. Windows and doors are a good second area to assess. Check for cracks, holes, broken panes and damaged frames. Next, investigate the appearance of exterior surfaces and appliances, such as air conditioners, for cavities, splits, dings, chips, and discoloration. Inside your home, identify signs of water damage, and any damage from water entering the home. After complete evaluation, contact your insurance company as soon as possible to report property damage. File a claim, ask about an advance payment or living expenses if help is needed quickly. If the disaster has been officially declared you may be eligible to apply for assistance from FEMA via their disaster assistance website.
Community is very valuable; having connections with neighbors can mean the difference between life and death for some. Many people are without family nearby or the ability to move around well. Consider providing reasonable senior assistance when possible or contacting city services for them. Assistance to veterans after a storm is also important. Another helpful action is connecting others with storm damage repair contractors.
Temporary solutions are a productive way to minimize further damage, as well as reduce stress. If able, begin key repair steps by doing some actions yourself. Use tarps and plastic sheeting to cover leaky areas, sandbags to divert water, and boards to secure broken windows and doors. Take out wet furniture, carpeting, and other materials, then remove water with wet vacuums and pumps. Next, run fans and dehumidifiers, as drying out the air will help prevent mold.
Save time and money by shopping for DIY materials at Habitat for Humanity’s two Houston ReStore locations: South Loop at 6161 S. Loop East, Tuesday through Saturday, 9 am—5 pm, Sunday 10 am—4pm, and ReStore West 34th at 5280 West 34th Street, Monday through Thursday, 9 am—5 pm and Friday through Saturday, 9 am—6 pm. ReStore has new and gently used items needed to secure and improve your home, including power tools, lumber, windows, flooring, and appliances.
To assist with quicker storm damage repair, the City of Houston Permitting Center & the Planning and Development Department has implemented an expedited review process of specific permits, including weatherheads for restoring power, re-roofing and roof overlay, and Minor Structural, Mechanical, Electrical and Plumbing (MEP) repairs. Also, the following work can be done without permits:
When making DIY repairs, maintain a list and save receipts (including for temporary living expenses) for your insurance agent. Don’t make permanent repairs before an adjuster sees all the damage. Further, save proof of paid deductibles. Contractors and roofers cannot offer to waive a deductible or promise a rebate for your deductible.
Be sure to take breaks, especially when the tasks or environment seem overwhelming. Walk around, get some fresh air, and focus on the improvements that are already complete. Above all else, ask for help when you need it!
Not every fix can be done in without professional help. This is when licensed and insured professionals are best. Houston Habitat provides storm damage restoration through our Disaster Home Repair program. Low-income homeowners can receive help with what is needed to make homes safe, sanitary and secure, including mold testing and remediation. Click here to find out more: Disaster Home Repair program.
Contractor Tips:
“There are no secrets to success. It is the result of preparation, hard work, and learning from failure,” said Colin Powell. True words, especially when applied to advanced preparation for storm damage. Before the next weather event, do these actions:
