The Growing Need for Home Repairs

According to a joint study by the Philadelphia Federal Reserve Bank and Policy Map, one-
third of owner-occupied homes in the U.S. require some form of repair, with an estimated total cost of $81.8 billion. Many low-income homeowners simply do not have the financial means to keep up with necessary repairs, leading to unsafe living conditions, increased homelessness, and loss of generational wealth.
For families living paycheck to paycheck, a leaking roof, broken heating system, or faulty electrical wiring can quickly escalate into an unmanageable crisis. These issues can force people out of their homes, making them more vulnerable to housing insecurity and displacement.
The Cost-Effective Alternative to New Construction
Organizations like Servants' Home Helps and Pennsylvania’s Whole-Home Repairs Program demonstrate that home repairs can be a cost-effective way to address the housing crisis. Repairing an existing home costs significantly less than building a new one, allowing more families to stay in their homes and preserving affordable housing stock.
For example, the average cost of building a new affordable housing unit can range from $150,000 to $250,000 per unit, whereas a typical home repair may cost between $5,000 and $20,000. This means that repair programs can assist far more families for the same financial investment, maximizing the impact of housing assistance efforts.

The Impact on Health & Community Stability
Substandard housing contributes to poor health outcomes, including respiratory illnesses from mold and increased injury risks from structural issues. Research from the Robert Wood Johnson Foundation indicates that 40% of childhood asthma cases are caused by poor indoor air quality. Investing in home repairs reduces these health risks, preventing costly medical expenses and improving quality of life. Beyond health, home repairs also contribute to overall community stability. Neighborhoods with well-maintained housing see lower crime rates, higher property values, and stronger social connections. By keeping families in their homes, repair programs help prevent displacement, ensuring that communities remain intact and economically diverse.
A Call to Action: Support Home Repair Initiatives
To effectively combat the affordable housing crisis, we must advocate for policies and funding that support home repair initiatives. Programs like Servants' Home Helps rely on volunteers, donations, and community partnerships to assist homeowners in need. By supporting these efforts, we can make a meaningful impact on housing stability for vulnerable families.
Rather than focusing solely on new construction, we must recognize home repairs as a vital, cost-effective, and sustainable solution to preserving affordable housing. Investing in home preservation ensures that communities remain safe, healthy, and stable for generations to come.
📢 Want to get involved? Volunteer, donate, or spread the word about home repair programs in your area. Every effort helps a family stay in their home!
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