Our Programs
Building homes, hope, and stronger communities across Hancock and Pearl River counties.
At Habitat Bay Waveland, we believe in the power of home — and the power of partnership.
By working alongside families, volunteers, and donors, we don’t just build houses — we create pathways to stability, equity, and thriving communities that endure for generations. When people are empowered to do the work, they can transform their futures — and we’re here to help make that possible.
Before You Apply
Programs, Qualifications & Income Guidelines
Review requirements and income limits for both programs, so you know what to expect before you start an application.
Critical Home Repair
Critical Home Repair is interior or exterior work performed to alleviate critical health, life and safety issues or code violations for homeowners in need.
Critical Home Repair addresses the health and safety of individual residences, strengthens connections within the community, and helps preserve affordable housing.
Residence Requirement
- Must be a resident of Hancock or Pearl River County.
Qualification Requirements
- Owner-occupant of a single-family home (mobile homes will not qualify).
- Owner’s household income meets program guidelines.
- Owner is current on mortgage and property tax payments.
- Owner has, or is willing to purchase, homeowner’s insurance.
- Repairs must fall within program guidelines.
- Homeowner is willing to partner with HFHBW.
Home Ownership
We know that the stability of a decent, affordable home empowers families to climb higher. To make homeownership more accessible, homebuyers partner with Habitat to help build their home alongside volunteers and pay an affordable mortgage. At the moment, Habitat Bay Waveland has no homeownership applications available.
Residence Requirement
- Must be a resident of Hancock or Pearl River County.
Qualification Requirements
- Must be willing to partner — 250 hours of Sweat Equity.
- Must have the ability to pay back a 0% interest mortgage; no collections, bankruptcies, or judgments.
- Must be employed.
- Must complete Homebuyer Education with our Family Services Coordinator.
- Total gross household income (before taxes) must fall within the ranges below.
Application Requirements
- Attend one of the information sessions.
- All household members over 18 must consent to a sex offender / criminal background check.
Hancock County Income Limits
|
Family Size |
Yearly Income |
|---|---|
|
1 |
$29,100–$46,550 |
|
2 |
$32,250–$53,200 |
|
3 |
$37,400–$59,850 |
|
4 |
$41,550–$66,500 |
|
5 |
$44,900–$71,850 |
|
6 |
$48,200–$77,150 |
|
7 |
$51,550–$82,500 |
|
8 |
$54,850–$87,800 |
Pearl River County Income Limits
|
Family Size |
Yearly Income |
|---|---|
|
1 |
$27,300–$43,700 |
|
2 |
$31,200–$49,950 |
|
3 |
$35,100–$56,200 |
|
4 |
$39,000–$62,400 |
|
5 |
$42,150–$67,400 |
|
6 |
$45,250–$72,400 |
|
7 |
$48,400–$77,400 |
|
8 |
$51,500–$82,400 |
Have questions about either program?
Applications for both programs are closed right now. We can still answer questions about eligibility and income limits, and we can add you to our list so you hear from us when applications reopen.
Our office is open Monday–Friday, 9am–4pm