Midland County Habitat for Humanity

What Midland County Habitat for Humanity does

Midland County Habitat for Humanity (MCHFH) is a 501(c)(3) nonprofit organization and local affiliate of Habitat for Humanity International, founded in 1988 and headquartered at 1703 South Saginaw Road in Midland, Michigan. The organization's core function is eliminating substandard housing for low-income families in Midland County through four integrated lines of work: new home construction (Energy Star Plus-certified homes that are 30-40% more energy efficient than code, built with volunteer labor and in-kind donated materials), a critical home repair program for low-income homeowners (delivered as deferred 0% interest loans), a ReStore discount retail outlet that resells donated building materials and home furnishings at 50-75% off retail, and a financial coaching service that prepares pre-homeownership families. MCHFH serves partner families earning 30-60% of Area Median Income, military veterans (through the Home Depot Foundation-funded Repair Corps), flood-affected homeowners from the May 2020 Midland dam failures, and Bay City Corridor residents through the Rock the Block neighborhood revitalization program.

The organization's business model is a hybrid non-profit revenue stack rather than a single pricing model. Revenue streams include ReStore retail sales of donated inventory, individual donations and monthly giving, peer-to-peer fundraising, IRA rollovers, stock and vehicle donations (Cars for Homes, which returns 78-86% of gross to Habitat), corporate sponsorship packages ($250 to $10,000+ tiers), grocery-receipt fundraising via Kroger Community Rewards and SpartanNash Direct Your Dollars, pass-through grants from Home Depot Foundation, United Way of Midland County, and the Midland Area Community Foundation, mortgage repayments on a zero-profit 30-year affordable loan portfolio, Family Estate Clean-Out services at $1.50/sq ft, and multi-year Build It Forward capital campaign pledges ranging from $250 to $75,000. Partner families contribute 250+ hours of sweat equity and a $500 down payment; home repair participants typically receive deferred 0% loans secured by property liens.

MCHFH operates with approximately 7 staff members led by President/CEO Jennifer Chappel, plus a board drawn from Dow, Isabella Bank, Greater Michigan Construction Academy, SYM Financial Advisors, DuPont, Northwood University, 1st State Bank, Turner Construction, and Tony Robbins. Strategic in-kind partnerships with DuPont (building materials), Whirlpool (appliances for every home), and Home Depot Foundation (veteran repairs), plus a long-standing financial relationship with Thrivent, materially lower construction cost per unit. The organization is currently executing the Build It Forward capital campaign to construct 10 multifamily and 6 single-family homes and complete 125 owner-occupied home repairs over the next 3-5 years.

Name

Midland County Habitat for Humanity

Legal name

Midland County Habitat for Humanity

Website

https://midlandhabitat.org

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1–10 employees

Short description

Midland County Habitat for Humanity is a 501(c)(3) nonprofit affiliate that builds affordable Energy Star Plus homes, operates a ReStore discount retail outlet, and delivers home repair and financial coaching services for low-income families, veterans, and flood-affected homeowners in Midland County, Michigan.

Ownership category

akta.pro rank

Product category

Affordable Housing Services

NAICS

Community Housing Services (62422), Other Community Housing Services (624229)

SIC

Services-To Dwellings & Other Buildings (7340), Retail-Building Materials, Hardware, Garden Supply (5200), Land Subdividers & Developers (No Cemeteries) (6552)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

Keywords

• Affordable housing
• Home repair services
• Nonprofit home building
• Rehab home construction
• Discount building materials

Headquarters

HQ city

Midland

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Marketing or Sales, Others

Revenue model

1. ReStore Retail Sales: Non-profit retail outlet selling quality new and previously owned building materials, home furnishings and appliances at 50-75% off retail prices. Profits support Habitat's home building and revitalization programs.
2. Donations and Fundraising: Direct monetary donations, monthly giving programs, event fundraising (House Party, peer-to-peer fundraising), third-party fundraisers, and corporate sponsorships. Also includes IRA charitable rollovers, stock donations, vehicle donations through Cars for Homes program, and legacy/bequest giving.
3. Homeownership Mortgages: Affordable 30-year mortgages provided to partner families. MCHFH holds the mortgage until paid off. Requires $500 down payment and funds for first year of homeowner's insurance. No profit is earned from home sales; payments are used to build additional houses.
4. Home Repair Program: Most participants receive a deferred 0%-interest loan for repairs. The loan is secured by a lien on the property and becomes due when homeowner sells, no longer occupies, or refinances the home.
5. Corporate Partnerships and Sponsorships: Sponsorship packages ranging from $250 (Safety Builder) to $10,000+ (Community Impact), providing year-long exposure, event recognition, and volunteer opportunities for corporate partners.
6. Retail Programs (Kroger, SpartanNash): Kroger Community Rewards (organization number FT502) and SpartanNash Direct Your Dollars programs where shoppers designate donations to Habitat based on shopping activity.
7. Estate Clean-Out Services: Family Estate Clean-Out service at $1.50 per square foot, per floor, shed, basement, and pole barn. Additional dumpster fee of $175 if needed.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Midland County Habitat for Humanity builds, repairs, and preserves affordable homes for low-income partner families (30%–60% of area median income) in Midland County, Michigan, using volunteer labor and donated materials. It sells Energy Star Plus homes through affordable 30-year mortgages held in-house, provides critical home repair services via deferred 0% interest loans, and operates a ReStore nonprofit retail outlet reselling donated building materials, home furnishings, and appliances at 50–75% off retail to fund its housing mission.

Product overview

Midland County Habitat for Humanity operates a diverse portfolio of affordable housing programs and retail/social enterprise services. The core offerings include a ReStore retail outlet (non-profit discount home improvement store), home ownership and home repair programs, specialized initiatives for veterans and flood recovery, financial coaching education, and neighborhood revitalization programs. The organization builds energy-efficient, sustainable homes using Energy Star standards, with strategic partnerships including DuPont and Whirlpool. Programs like Women Build, Rock the Block, and the Build It Forward campaign expand construction capacity, while events like House Party and Giving Tools Day drive fundraising. All offerings work together to eliminate substandard housing through construction, rehabilitation, advocacy, and community empowerment.

Differentiator

Problem solved

Functional benefit

Brands

• ReStore: A nonprofit retail outlet selling quality new and previously owned building materials, home furnishings, and appliances at 50-75% off retail prices to raise funds for Habitat's mission.
• Women Build
• Rock The Block
• Build It Forward
• House Party

Products and services

• ReStore A non-profit discount retail outlet selling quality new and previously owned building materials, home furnishings, and appliances at 50-75% off retail prices; proceeds fund Habitat's home building and revitalization programs in Midland County. Located at 1703 S Saginaw Rd, Midland, MI, with donation drop-off and scheduled pick-up service available.
• Home Repair and Preservation Program

Quantifiable outcome

• Homes typically 30-40% more energy efficient than standard building code
• +2 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eight partnerships are on record, tiered core and minor.

• DuPontcoreStrategic or Co-development PartnerCorporate partner for volunteer build days. DuPont executives join Habitat affiliate leaders for community builds. DuPont provides energy-efficient building materials including foam board insulation, Great Stuff foam sealant, Styrofoam tape, and framing materials. Partnership emphasizes sustainability through use of DuPont building products.
• WhirlpoolcoreStrategic or Co-development PartnerPartnership provides brand new Whirlpool appliances for Habitat homes. Included as standard benefit for all Habitat homeownership recipients, reducing costs for partner families.
• ThriventcoreStrategic or Co-development PartnerSince 2005, $276 million donated through Thrivent programs to Habitat. 24,981 individuals served with safe homes built or renovated. 6.3 million hours donated by 825,000+ Thrivent clients and volunteers. Thrivent Action Teams and Choice Dollars programs support local Habitat affiliates.
• United Way of Midland CountycoreStrategic or Co-development PartnerMCHFH is a United Way Certified Agency. UWMC partnered with MCHFH for flood recovery using Rise Together funding and volunteer portal. Collaboration for May 2020 flood response included complete gut rebuilds for homeowners. UWMC addresses immediate needs while MCHFH focuses on long-term reconstruction.
• Midland Area Community FoundationcoreStrategic or Co-development PartnerCollaboration for disaster recovery efforts. Hosts the Disaster Relief Project Fund and MACF Flood Relief Fund. MCHFH works with MACF to address home repair needs of those affected by 2020 flood.
• Greater Michigan Construction Academy (GMCA)coreStrategic or Co-development PartnerCollaborates with MCHFH on House Party annual fundraiser to raise funds for GMCA student-built homes. Joint effort to build affordable housing in Midland County through construction training and community engagement.
• SpartanNash / Family FareminorGTM or Marketing PartnerDirect Your Dollars program allows MCHFH to earn $1,000 by collecting $150,000 in eligible receipts from Midland Family Fare stores. Receipt-based fundraising where everyday shopping supports affordable housing.
• KrogerminorGTM or Marketing PartnerKroger Community Rewards program enables shoppers to designate donations to MCHFH (Organization #FT502) by linking their Kroger Plus card. Funds raised support affordable housing programs.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Rebuilding Together: National nonprofit focused on home repair and rehabilitation for low-income homeowners, including a dedicated veterans' program funded by the Home Depot Foundation (the same funder backing MCHFH's Veteran Repair Corps).
• Habitat for Humanity of Kent County: Closest geographic peer among Michigan Habitat affiliates, also operating a ReStore retail outlet, homeownership program, and home repair services. Highly comparable in scope, programs, and revenue model.
• Habitat for Humanity Michigan: State-level Habitat organization that coordinates and supports Michigan affiliates including MCHFH. Operates the same affordable homeownership and repair model and shares volunteer, funding, and advocacy infrastructure.

Broad incumbents

• Habitat for Humanity International: The global parent organization operating in 70+ countries with 62M+ people served. MCHFH operates under its umbrella and pays annual tithe, sharing brand, training, and the ReStore network framework.
• Local Initiatives Support Corporation (LISC): National community development financial institution supporting affordable housing and neighborhood revitalization. Comparable mission in neighborhood stabilization (akin to Rock the Block) but operates through capital deployment rather than direct construction.
• Salvation Army: National nonprofit operating both thrift retail (akin to ReStore) and direct social services including housing and disaster recovery. Comparable in nonprofit retail and emergency housing response capabilities.
• Enterprise Community Partners: A national nonprofit developer and lender focused on affordable housing and community development. Operates at significantly larger scale but addresses the same housing affordability mission with construction and financing capabilities.

Others

• Goodwill Industries International: National nonprofit retail operator running donation-based thrift stores with proceeds funding mission programs. Operates a comparable retail-for-mission model to the ReStore, though in general merchandise rather than building materials.
• United Way of Midland County: Local United Way affiliate that is both a key MCHFH partner and peer in the local nonprofit ecosystem. Collaborated on the 2020 flood response and shares overlapping donor and volunteer pools.

Regional players

• Habitat for Humanity of Greater Detroit: A larger Michigan Habitat affiliate serving the Detroit metro area with similar home building, repair, and ReStore retail programs. Comparable mission and model, though operating at a meaningfully larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/midlandcountyhabitatforhumanity
• LinkedInlinkedin.com/company/midland-county-habitat-for-humanity

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Midland County Habitat for Humanity