Habitat for Humanity Mississippi Capital Area, founded in 1986, builds safe, affordable homes in Jackson and the surrounding counties and sells them with a 30-year zero-interest mortgage. It runs a ReStore on Stonewall Street. Here is how to qualify, what is involved, and how to help.
Homeowners buy their homes through a 30-year zero-interest mortgage that is structured to be manageable based on income, with monthly payments of roughly $450 to $600. Families are selected on need, ability to pay, and willingness to partner.
| Requirement | Detail |
|---|---|
| Mortgage | A 30-year zero-interest mortgage; payments of about $450 to $600 a month. |
| Income | Must meet the affiliate's income guidelines. |
| Ability to pay | Able to afford the monthly zero-interest mortgage payment. |
| Willingness to partner | Complete up to 250 sweat equity hours and attend homeowner education workshops. |
| Sweat equity | Up to 250 hours, working on your own home or with community partners. |
The affiliate serves Jackson and the surrounding capital-area counties.
Applying runs through the affiliate's homeownership program, which lays out the income guidelines and partnership requirements. Selection follows the standard Habitat criteria of need, ability to pay, and willingness to partner.
Selected homeowners complete their sweat equity hours and homeowner education workshops on the path to closing.
Habitat MCA runs a ReStore at 615 Stonewall Street in Jackson, selling new and gently used furniture, appliances, home accessories, and building materials at a fraction of retail, with proceeds funding the mission. It accepts donated goods from the community.
Donating money, shopping or donating at the ReStore, and joining a build are the main ways to help.
Volunteers help build homes alongside future homeowners and support the ReStore, and you can sign up through the affiliate's site. The organization has built affordable housing in the Jackson area since 1986.
Its EIN for tax-deductible gifts is 64-0750633.
Homes sold with a 30-year zero-interest mortgage.
A Jackson store selling donated furniture and building materials.
Up to 250 hours building alongside volunteers.
Required workshops for partner families.
Build-site and ReStore volunteering.
Donated goods accepted at the ReStore.
Sources: Habitat for Humanity Mississippi Capital Area (habitatmca.org) homeownership and ReStore pages; Charity Navigator and Cause IQ (EIN 64-0750633). Retrieved June 2026. We are not affiliated with Habitat for Humanity Mississippi Capital Area and receive no compensation for this listing. Spotted an error? [email protected]
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