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For instance, a typical Habitat homeowner is a single mother with two children, working with an income ranging from $48,000 to $76,000. The increase in property taxes and homeowner insurance places additional pressure on these families. The ideal situation would allow a family making $48,000 to afford around $800 on their mortgage, but the rising costs mean Habitat struggles to recoup expenses on their constructions at this reduced payment level. This financial gap urges Habitat to seek additional donations or shift focus toward families in the higher income range who can comfortably afford larger monthly mortgage payments.