The counties we serve are among the
POOREST IN THE NATION...
34.9% of people in our service area
LIVE BELOW POVERTY...

Our Services

Only 18.6% of Kentucky...
Only 14.8% of the United States...
Median Household Income
More than 5,000 Kentuckians
                  are homeless on any given night...
Our service area: $21,378
Kentucky: $42,610
USA: $53,482

  1. New Construction
    New construction services allow families the option to build a home from the ground up. Families are able to select from various house plans and customize certain options about the home. All units are constructed with Energy Star and Greenbuild features, which makes the home more efficient and more affordable!
  2. Home Repair
    Home repair services are available to assist current homeowners with maintenance, as well as damage repair. These services may assist with handicap accessibility, heating and air conditioning, roof repair, door and window replacement, wiring and plumbing, as well as room additions and much more!
  3. Replacement Housing
    For homes that have fallen below the standard of "livable" and would require an unreasonable amount of repair, replacement housing is available. The substandard unit is demolished and replaced with a new unit. Replacement units are built to the same, first-grade quality standards as any new construction unit.
  4. Inventory Sales
    Previously owned homes are often available for purchase through Kentucky Mountain Housing. KMHDC may acquire these homes through purchase, foreclosure, deed-in-lieu of foreclosure, etc.
  5. Rental
    Kentucky Mountain Housing offers rental services for elderly and/or disabled applicants. Owned and operated by KMHDC, there are five apartments; three apartments in Clay County and two apartments in Jackson County.
  6. Homeownership Counseling
    Homeownership counseling is mandatory for applicants receiving housing assistance and includes pre- and post-purchase counseling. An experienced counselor will cover, at a minimum, the following topics: Credit-worthiness, mortgage financing, household budgeting, home maintenance and foreclosure prevention. Our organization is identified as qualified and experienced, as the staff providing the counseling has nearly 10 years of experience. Homeownership counseling is available at either of our office locations and may be offered as an in-home service, for those unable to leave their homes.