What Drives Us


Saginaw-Shiawassee Habitat for Humanity (SSHFH) is one of 1,365 U.S. affiliates of Habitat for Humanity International, a nonprofit Christian housing ministry dedicated to the elimination of poverty housing around the world. Founded in 1976 by Millard and Linda Fuller, the Georgia-based nonprofit organization has built over 1.3 million houses in nearly 100 countries. As a community-based organization, Saginaw-Shiawassee Habitat for Humanity considers all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, age or national origin.

In Habitat for Humanity, building relationships and communities is as important as building homes. One key reason Habitat has been so successful is the nurturing that is provided to partner families, even after construction is complete. By working together as partners, we all become aware of our common heritage as God’s children.

Habitat is not a give-away program. Homeowners, as partner families, put hundreds of hours of their own labor, known as sweat-equity, into building their houses. Then they purchase their houses at no profit to Habitat, financed with an affordable, no-interest loan. The families’ mortgage payments are ‘recycled’ into a fund that is used to build more houses for more families in need.

Founded in April of 1987, Saginaw-Shiawassee Habitat for Humanity has built or renovated 185 houses and repaired over 360 homes in Saginaw & Shiawassee Counties.

New Homes: The cost of a typical new Habitat house (1,050 s.f., 3-bedroom with basement) is approximately $120,000-155,000 (depending on house size, cost of lot and its location).

Rehabs: Saginaw-Shiawassee Habitat for Humanity also buys vacant, abandoned or foreclosed housing, renovates/rehabilitates and sells them to qualifying partner families. These houses are generally located in the City of Saginaw and cost between $40,000 and $60,000.

Resale of Homes that return to Habitat: Sometimes homes return to Habitat when a homeowner passes away, moves out of the area, through deed-in-lieu of foreclosure or through foreclosure. Saginaw-Shiawassee Habitat renovates the property and resells them to new partner families.

New and rehabbed homes are affordable to individuals or families earning 30-80% of the area median income. Families may also qualify for $12,000 in down-payment assistance from the Michigan State Housing Development Authority (MSHDA).