Laura Belcher is CEO & president, Habitat for Humanity of the Charlotte Region

This year, Habitat for Humanity of the Charlotte Region reached a milestone that once felt aspirational. We have now served more than 5,000 families through our collective work in building affordable communities, improving financial literacy, and promoting intergenerational wealth.

In a housing market where affordability continues to decline, that number is more than a data point. It’s a declaration that vision matched with action can move the needle, even when the odds are steep.

According to the 2024 State of Housing in Charlotte Report from UNC Charlotte, only 2% of houses sold for under $150,000 last year, and just about 19% for under $300,000, revealing a worsening affordability crisis in a region where

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