What We Do

Habitat Chattanooga works with low-income families who would not otherwise be able to afford a house. We partner with hardworking families in need and help them build affordable houses for themselves and their families at no interest and no profit. We are not a charity or a “handout” program, but rather we help families help themselves. We have built houses with 276+ families in need!

About The Homeowners

We work with families whose total income is between 30% – 80% of the area median income. Families are accepted to the Habitat program based on their need, ability to pay a zero percent interest mortgage, and their willingness to partner. Applicants must be residents of Hamilton County, TN.

Once accepted, homeowners are eligible to buy a house from Habitat with a 30-year zero percent interest mortgage. Families spend a minimum of 200-400 hours working and building “sweat equity” where they support and help build their own home and the homes of their neighbors. Monthly payments average $400 - $450 (including taxes and insurance).

How We Are Funded

Our funding comes through partnerships with individuals, corporations, foundations, faith organizations and civic groups. It costs approximately $105,000 to build a Habitat house, including materials, tools and supplies. Habitat Chattanooga is funded by individual donations, support from businesses, churches, social groups, foundations, Habitat for Humanity programs, as well as some federal funding secured through competitive grant applications. Our ReStores- in Chattanooga and Ooltewah are an increasing source of funds towards operational expenses.

The Role of Volunteers

At Habitat Chattanooga, volunteers are the heart of our organization. From board members to those directly involved in construction, volunteers make the difference. Our volunteers build the houses, raise funds, work in our administrative offices, provide lunch for volunteers at the work site, work at our ReStore and do much, much more.

Habitat ReStore

Chattanooga’s Habitat for Humanity operates two building materials resale operations, known as ReStore, that feature new and used cabinets, furniture, appliances and other building materials, sold to the public at 50-75% below retail prices. For more information visit www.chattanoogarestore.com or www.ooltewahrestore.com or call 423-634-1004.