In Moultrie County it costs an average of $60,000 to build one house with an estimated market value according to the insurance agent of $70,000. The typical house built by Moultrie County Habitat has an average 1100 square feet of finished living area. Most homes are 28 x 40 feet and have three bedrooms, bath, living room, kitchen, front and back porch, separate utility shed and driveway. They are affordable to low-income families because there is no profit included in the sale of the house and no interest is charged on the mortgage (plus real estate taxes and home owners insurance). The mortgages are financed over 25 years.