Metro United Way focuses efforts on affordable housing to help families facing financial hardship

Safe and stable housing is the foundation for a successful life. Yet for many, the cost of that housing is a major source of concern.

Metro United Way seeks to alleviate that stress through a homeownership pilot program serving families in Clark, Floyd, and Harrison counties in southern Indiana.

People in the pilot program receive financial coaching and wraparound supports for however long it takes for them to reach a level of stability where they can start looking to buy a home.

This program is in partnership with the Salvation Army of Southern Indiana. It’s called Pathway of Hope.

“With Metro United Way, we provide resources to support home ownership and barrier removal,” Alecha Redmond, Salvation Army’s dynamic Family Support Case Manager, said. “We have a commitment to changing not only the lives of families but making large impacts in the local communities that we serve. We come up with innovative and creative ways to tackle not just current issues, but foreseeable future issues.”

So far in 2025, the program has served 49 families. Of these 49 families, 27 have already reached a level of income stability, 13 have reached a level of housing stability, and none have had to make a disruptive school move.

Just this year, two people have purchased homes and another four are expected to close on a home soon! On top of this, eight more individuals have been pre-approved for mortgage financing on their path to home ownership.

Since the program began in 2022, five families have achieved their dream of homeownership.

“Pathway has not only helped us become homeowners and secure reliable transportation, they also assisted us with budgeting, communication skills, immediate needs, and connected us with resources that we did not know existed,” program participant and recent first-time homebuyer, Jessica, said. “Not only have we turned our dreams into reality, but we have also gained invaluable life skills.”

 

While this work is personalized for each household, Metro United Way also works with developers, investors, city leaders, and other nonprofits to affect change on a systems-level.

“We’re tackling questions like, how can we make affordable housing an incentive when builders are considering a development? How can we change zoning to allow for more multi-family housing units?” explained John Nevitt, Metro United Way’s Senior Manager of Economic Mobility.

Over the past year, our convenings have led to some very exciting progress.

The Town of Clarksville has committed to donating seven plots of land for affordable housing construction to benefit participants in our homeownership pilot, effectively lowering the cost of owning each home by up to $60,000 each.

Local builder KGF Homes has also joined our efforts to assist with new home construction on those lots, focusing on affordability while not sacrificing quality and comfort.

And we’re just getting started!

“Our work is not done. Our work is really just beginning,” Pam Ottersbach, Metro United Way’s Director of Strategic Initiatives, said. “Because we want to make sure generations from now, they’re still being able to benefit from our efforts around affordable housing.”

This work is important because 38% of households in Indiana – that’s more than 1 million households – experience consistent financial hardship.

The vast majority of these families are people who are working but still struggling to make ends meet. They’re known as ALICE, an acronym meaning Asset Limited, Income Constrained, and Employed.

ALICE represents a growing number of workers who keep our economy functioning: child care providers, nursing assistants, food service workers, cashiers, personal care aides.

They earn an income that is too high to receive assistance, yet they cannot afford their basic needs in the counties where they live.

ALICE families often face impossible choices, such as whether to pay for utilities or a car repair, buy food or fill a prescription.

Through our affordable housing work, we strive to make life a bit easier for these hard-working families.

VIDEO

The Yeagers buy their first home thanks to Metro United Way's Southern Indiana Housing Pilot

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