Generally, participation in the Homeownership Incubator and Home Direct programs is limited to households with total household income up to 120% of the area median income.

Minimum Income – The minimum household income is an amount capable of supporting all expenses associated with homeownership.

Maximum Income – The maximum household income is 120% of the AMI for the area in which the property is located.

While Habitat MS Gulf Coast’s programmatic requirements allow for the eligibility of households with income up to 120%, some of the home buyer assistance programs and other funders with whom we partner have lower income limits (typically 80% AMI). In such cases, certain home buyer assistance funds or properties may not be available to households between 80% and 120% AMI.