Building a home on low income

Building a home on low income is more affordable than it was just a few years ago, if you have good credit. The prices for building materials are falling which is great news for owner builders.

low income housing

That’s right, the housing market has taken a huge down turn. That means that the prices for lumber, cement, and everything else is going down.

Wafer board has already dropped by about $4 a sheet in the last few months. I predict it will reach a low of around $10 in the Spring.

It’s a fantastic time to be building your own home!


The housing boom has been healthy for the economy, but not very good for those of us wanting to buy materials for a home.

Now it’s good for us and it will get even better. Everybody needs to build something.

dog building a house

As a rule of thumb, I always consider the price of waferboard to be a good indicator of the over all price of building materials. It is used for many different things in home construction.

Housing low income individuals is everybody’s responsibility if we admit it or not. I have helped several low income families reach their goals of homeownership.

My methods help those that don’t know how to help themselves. This builds self esteem and turns a lifetime of bad luck around to be a very positive and hopeful future.

There are several housing programs that help first time homeowners find available funds to build houses.

You can find almost any information about low income housing at:

Hud housing programs

If you or someone you know needs assistance with housing, try HUD before anything. It’s a government program that helps the most low income people obtain affordable housing.

Summer safety tip

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I just wanted to say that I love your website. My husband and I followed your instructions on building our own home. Most of the work we did ourselves, but not all. We saved $90,000 in labor costs and now have a beautiful home that we own.

--Sue and Les Carrigan, Draper, Utah

I built my own home doing all my own labor. My house costs me around $70,000 for materials. It took me 8 months to build and is about 2,000 square feet. I didn't think I could do it, but your house web site encouraged me. I used all the info you had.

Thank you,

Benny Luis Lopez,

Gainsville, Florida

I can't thank you enough for your free information web site about home building. I was looking for Electrical wiring diagrams when I found your site. It was very helpful.

Steve Lundquist,

Little Rock, Arkansas

My wife and I lost our home to foreclosure but we kept a plot of land to start over. We are halfway through the construction of our house. Your website gave us hope to start over and build a house with low payments. We are in our late 60's but we find it rewarding to put so much effort into a project that will reward us for years to come.

Name respectfully withheld