deserves a decent, safe, affordable place to live.

Why Housing

Greater Matthews Habitat for Humanity recognizes that many families in our service area are struggling with the rising costs of rent, availability of affordable homes, and often feel their living conditions are unfit for their families. Greater Matthews Habitat's mission is to build a community that is livable and affordable for all. 

What is Affordable Housing?

The federal government defines affordable housing as housing that doesn't cost more than thirty percent (30%) of your income. This includes the cost of your rent or mortgage, insurance costs, property taxes, and utilities.

Studies have shown that when families have to spend more than 30% of their income on housing, they are unable to afford other basic necessities, such as healthy food or medical care.

USTN-18-07118-JA (1).jpg

The Need in Our Service Area

In the town of Matthews, the median family income is about $76,000 a year, meaning half of our town residents need to able to afford housing that costs less than $22,802 a year. 

One in four Matthews households are either living in poverty, near poverty, or considered “house poor”.

affordable housing

units are needed to fill the current population growth in Matthews. 

of current affordable housing stock in Matthews is between 30 & 60 years old and likely in need of serious repair.

The Cost

As a result of this housing situation, many families must live in substandard conditions or make the impossible decision of sacrificing other basic necessities such as healthy and nutritious food, medical care, or emergency savings.


Cost-burdened renters and homeowners in the bottom income quartile spend significantly less on food, health care, transportation and retirement savings than other families in their income bracket whose housing is affordable. Families in this income bracket with severe housing cost burdens are making even more dramatic sacrifices, such as cutting back on health care spending by nearly 70%.

The Benefits of a Decent Affordable Home


Research has shown that a lack of safe, affordable housing can negatively impact health. There is an increased likelihood for severe mental or physical illnesses, environmental illnesses such as asthma or lead poisoning, and nutritional conditions such as type 2 diabetes. Families who spend more than 30% of their income on housing are also unable to purchase medication and medical supplies or visit the physician when they are sick.


Children in stable housing are absent less and have fewer behavioral problems. They are less likely to switch schools, which leads to better academic performance and score better on cognitive development tests. Parents in an affordable home have greater discretionary income and can spend more on enrichment activities, setting children up for success both in and outside the classroom. 


Families in affordable homes have greater discretionary income to spend on child care, transportation, and education. They are able to save better for long-term expenses and maintain an emergency fund. They have more money to spend in their local community and are more likely to break away from the vicious cycle of intergenerational poverty.


Invest in people.

Invest in possibilities.