Transcript Slide 1

the Campaign for Affordable Housing
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
the Campaign for Affordable Housing
THE TRUTH ABOUT
presented by
AFFORDABLE HOUSING
the Campaign for Affordable Housing
the Campaign for
Affordable Housing
Taking Action to Solve America’s Housing Crisis
USDA Photo
the Campaign for Affordable Housing
the Campaign for Affordable Housing
In recent decades, home prices
and rental rates have increased
faster than income in most parts of
the country, increasing the need for
affordable housing.
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
the Campaign for Affordable Housing
Wages and the Cost of Housing in Los Angeles, California
(Los Angeles, CA Metropolitan Area)
Typical Annual Salaries (2005)
Homeownership Market
2005
Median Priced Home1
Annual Income
Needed3
$136,366
$49,515
Police Officer5
(Single- and Multi-Family)
$430,000
$41,083
Firefighter5
Elementary School
Teacher5
$51,166
Typical Hourly Wage (2005)
Rental Market
Hourly Wage
Needed to Afford4
2005
Fair Market Rent2
Retail Salesperson5
1BR $900/Month
2BR $1,124/Month
Janitor5
$17.31
1 Bedroom
$21.62
2 Bedrooms
$12.80
$12.35
Construction Laborer5
$18.18
Source: Paycheck to Paycheck 2005, and interactive database maintained by The Center for Housing Policy, the research affiliate of the National Housing Conference.
1Data
on the median-priced home are from the National Association of Home Builders' Housing Opportunity Index for the first quarter (1Q) of 2005.
data are from the U.S. Department of Housing and Urban Development's report on Fair Market Rents for the year 2005 and are based on a survey of recently occupied units.
annual income needed to qualify for a mortgage was calculated using the average prevailing interest rate, assumes a 10 percent downpayment and the use of private mortgage insurance, and includes principal, interest, taxes and insurance.
4The Hourly Wage Needed to Afford is the hourly wage that must be earned so that this rent does not exceed 30 percent of income, a standard measure of affordability. It is based on a concept developed by the National Low Income Housing Coalition.
5Wage data are as of February, 2005 and were obtained from a proprietary database of salary information by geographic location maintained by Salary.com.
2Rental
3The
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the Campaign for Affordable Housing
Wages and the Cost of Housing in Seattle, Washington
(Seattle, WA Metropolitan Area)
Typical Annual Salaries (2005)
Homeownership Market
2005
Median Priced Home1
Annual Income
Needed3
$87,210
$46,664
Police Officer5
(Single- and Multi-Family)
$275,000
$38,718
Firefighter5
Elementary School
Teacher5
$48,220
Typical Hourly Wage (2005)
Rental Market
Hourly Wage
Needed to Afford4
2005
Fair Market Rent2
Retail Salesperson5
1BR $693/Month
2BR $834/Month
Janitor5
$13.33
1 Bedroom
$16.04
2 Bedrooms
Construction Laborer5
$12.07
$11.64
$17.13
Source: Paycheck to Paycheck 2005, and interactive database maintained by The Center for Housing Policy, the research affiliate of the National Housing Conference.
1Data
on the median-priced home are from the National Association of Home Builders' Housing Opportunity Index for the first quarter (1Q) of 2005.
data are from the U.S. Department of Housing and Urban Development's report on Fair Market Rents for the year 2005 and are based on a survey of recently occupied units.
annual income needed to qualify for a mortgage was calculated using the average prevailing interest rate, assumes a 10 percent downpayment and the use of private mortgage insurance, and includes principal, interest, taxes and insurance.
4The Hourly Wage Needed to Afford is the hourly wage that must be earned so that this rent does not exceed 30 percent of income, a standard measure of affordability. It is based on a concept developed by the National Low Income Housing Coalition.
5Wage data are as of February, 2005 and were obtained from a proprietary database of salary information by geographic location maintained by Salary.com.
2Rental
3The
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the Campaign for Affordable Housing
Wages and the Cost of Housing in Atlanta, Georgia
(Atlanta, GA Metropolitan Area)
Typical Annual Salaries (2005)
Homeownership Market
2005
Median Priced Home1
Annual Income
Needed3
$52,326
$44,077
Police Officer5
(Single- and Multi-Family)
$165,000
$36,571
Firefighter5
Elementary School
Teacher5
$45,547
Typical Hourly Wage (2005)
Rental Market
Hourly Wage
Needed to Afford4
2005
Fair Market Rent2
Retail Salesperson5
1BR $750/Month
2BR $834/Month
Janitor5
$14.42
1 Bedroom
$16.04
2 Bedrooms
Construction Laborer5
$11.40
$10.99
$16.18
Source: Paycheck to Paycheck 2005, and interactive database maintained by The Center for Housing Policy, the research affiliate of the National Housing Conference.
1Data
on the median-priced home are from the National Association of Home Builders' Housing Opportunity Index for the first quarter (1Q) of 2005.
data are from the U.S. Department of Housing and Urban Development's report on Fair Market Rents for the year 2005 and are based on a survey of recently occupied units.
annual income needed to qualify for a mortgage was calculated using the average prevailing interest rate, assumes a 10 percent downpayment and the use of private mortgage insurance, and includes principal, interest, taxes and insurance.
4The Hourly Wage Needed to Afford is the hourly wage that must be earned so that this rent does not exceed 30 percent of income, a standard measure of affordability. It is based on a concept developed by the National Low Income Housing Coalition.
5Wage data are as of February, 2005 and were obtained from a proprietary database of salary information by geographic location maintained by Salary.com.
2Rental
3The
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the Campaign for Affordable Housing
Wages and the Cost of Housing in Chicago, Illinois
(Chicago, IL Metropolitan Area)
Typical Annual Salaries (2005)
Homeownership Market
2005
Median Priced Home1
Annual Income
Needed3
$72,940
$47,805
Police Officer5
(Single- and Multi-Family)
$230,000
$39,664
Firefighter5
Elementary School
Teacher5
$49,399
Typical Hourly Wage (2005)
Rental Market
Hourly Wage
Needed to Afford4
2005
Fair Market Rent2
Retail Salesperson5
1BR $803/Month
2BR $906/Month
Janitor5
$15.44
1 Bedroom
$17.42
2 Bedrooms
Construction Laborer5
$17.55
$11.92
$12.36
Source: Paycheck to Paycheck 2005, and interactive database maintained by The Center for Housing Policy, the research affiliate of the National Housing Conference.
1Data
on the median-priced home are from the National Association of Home Builders' Housing Opportunity Index for the first quarter (1Q) of 2005.
data are from the U.S. Department of Housing and Urban Development's report on Fair Market Rents for the year 2005 and are based on a survey of recently occupied units.
annual income needed to qualify for a mortgage was calculated using the average prevailing interest rate, assumes a 10 percent downpayment and the use of private mortgage insurance, and includes principal, interest, taxes and insurance.
4The Hourly Wage Needed to Afford is the hourly wage that must be earned so that this rent does not exceed 30 percent of income, a standard measure of affordability. It is based on a concept developed by the National Low Income Housing Coalition.
5Wage data are as of February, 2005 and were obtained from a proprietary database of salary information by geographic location maintained by Salary.com.
2Rental
3The
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the Campaign for Affordable Housing
Wages and the Cost of Housing in Wichita, Kansas
(Wichita, KS Metropolitan Area)
Typical Annual Salaries (2005)
Homeownership Market
2005
Median Priced Home1
Annual Income
Needed3
$33,299
$43,068
Police Officer5
(Single- and Multi-Family)
$105,000
$35,734
Firefighter5
Elementary School
Teacher5
$44,504
Typical Hourly Wage (2005)
Rental Market
Hourly Wage
Needed to Afford4
2005
Fair Market Rent2
Retail Salesperson5
1BR $481/Month
2BR $624/Month
Janitor5
1 Bedroom
$9.25
$12.00
2 Bedrooms
Construction Laborer5
$11.14
$10.74
$15.81
Source: Paycheck to Paycheck 2005, and interactive database maintained by The Center for Housing Policy, the research affiliate of the National Housing Conference.
1Data
on the median-priced home are from the National Association of Home Builders' Housing Opportunity Index for the first quarter (1Q) of 2005.
data are from the U.S. Department of Housing and Urban Development's report on Fair Market Rents for the year 2005 and are based on a survey of recently occupied units.
annual income needed to qualify for a mortgage was calculated using the average prevailing interest rate, assumes a 10 percent downpayment and the use of private mortgage insurance, and includes principal, interest, taxes and insurance.
4The Hourly Wage Needed to Afford is the hourly wage that must be earned so that this rent does not exceed 30 percent of income, a standard measure of affordability. It is based on a concept developed by the National Low Income Housing Coalition.
5Wage data are as of February, 2005 and were obtained from a proprietary database of salary information by geographic location maintained by Salary.com.
2Rental
3The
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the Campaign for Affordable Housing
Wages and the Cost of Housing in Tuscon, AZ
(Tuscon, AZ Metropolitan Area)
Typical Annual Salaries (2005)
Homeownership Market
2005
Median Priced Home1
Annual Income
Needed3
$56,132
$41,533
Police Officer5
(Single- and Multi-Family)
$177,000
$34,460
Firefighter5
Elementary School
Teacher5
$42,918
Typical Hourly Wage (2005)
Rental Market
Hourly Wage
Needed to Afford4
2005
Fair Market Rent2
Retail Salesperson5
1BR $524/Month
2BR $673/Month
Janitor5
1 Bedroom
$10.08
$12.94
2 Bedrooms
Construction Laborer5
$10.74
$10.36
$15.25
Source: Paycheck to Paycheck 2005, and interactive database maintained by The Center for Housing Policy, the research affiliate of the National Housing Conference.
1Data
on the median-priced home are from the National Association of Home Builders' Housing Opportunity Index for the first quarter (1Q) of 2005.
data are from the U.S. Department of Housing and Urban Development's report on Fair Market Rents for the year 2005 and are based on a survey of recently occupied units.
annual income needed to qualify for a mortgage was calculated using the average prevailing interest rate, assumes a 10 percent downpayment and the use of private mortgage insurance, and includes principal, interest, taxes and insurance.
4The Hourly Wage Needed to Afford is the hourly wage that must be earned so that this rent does not exceed 30 percent of income, a standard measure of affordability. It is based on a concept developed by the National Low Income Housing Coalition.
5Wage data are as of February, 2005 and were obtained from a proprietary database of salary information by geographic location maintained by Salary.com.
2Rental
3The
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the Campaign for Affordable Housing
Actual Income vs. Income Needed to Purchase Median Priced Home
Median
Home
Price1
Income
Needed2
2005
2005
2005
Diff
2005
Diff
2005
Diff
Los Angeles, CA
$430,000
$136,366
$49,515
($86,851)
$41,083
($95,283)
$51,166
($85,200)
Seattle, WA
$275,000
$87,210
$46,664
($40,546)
$38,718
($48,492)
$48,220
($38,990)
Atlanta, GA
$165,000
$52,326
$44,077
($8,249)
$36,571
($15,755)
$45,547
($6,779)
Chicago, IL
$230,000
$72,940
$47,805
($25,135)
$39,664
($33,276)
$49,399
($23,541)
Wichita, KS
$105,000
$33,299
$43,068
$9,769
$35,734
$2,435
$44,504
$11,205
Tuscon, AZ
$177,000
$56,132
$42,918
($13,214)
$34,460
($21,672)
$42,918
($13,214)
Location
Police Officer3
Firefighter3
Elementary School
Teacher3
Source: Paycheck to Paycheck 2005, and interactive database maintained by The Center for Housing Policy, the research affiliate of the National Housing Conference.
1Data
on the median-priced home are from the National Association of Home Builders' Housing Opportunity Index for the first quarter (1Q) of 2005.
data are from the U.S. Department of Housing and Urban Development's report on Fair Market Rents for the year 2005 and are based on a survey of recently occupied units.
annual income needed to qualify for a mortgage was calculated using the average prevailing interest rate, assumes a 10 percent downpayment and the use of private mortgage insurance, and includes principal, interest, taxes and insurance.
4The Hourly Wage Needed to Afford is the hourly wage that must be earned so that this rent does not exceed 30 percent of income, a standard measure of affordability. It is based on a concept developed by the National Low Income Housing Coalition.
5Wage data are as of February, 2005 and were obtained from a proprietary database of salary information by geographic location maintained by Salary.com.
2Rental
3The

the Campaign for Affordable Housing
Actual Income vs. Income Needed to Rent at Fair Market Value
1Bedroom Fair
Market Value
2 Bedroom Fair
Market Value
1 Bedroom Hourly
Rate Needed
2 Bedroom Hourly
Rate Needed
Los Angeles, CA
$900.00
$1,124.00
$17.31
$21.62
Seattle, WA
$693.00
$834.00
$13.33
$16.04
Atlanta, GA
$750.00
$834.00
$14.42
$16.04
Chicago, IL
$803.00
$906.00
$15.44
$17.42
Wichita, KS
$481.00
$624.00
$9.25
$12.00
Tuscon, AZ
$524.00
$673.00
$10.08
$12.94
Location
Retail Salesperson3
Location
Janitor3
Construction Worker3
1BR Diff
2BR Diff
2005
1BR Diff
2BR Diff
2005
1BR Diff
2BR Diff
Los Angeles, CA
$12.80
($4.51)
(8.82)
$12.35
($4.96)
($9.27)
$18.18
$0.87
($3.44)
Seattle, WA
$12.07
($1.26)
(3.97)
$11.64
($1.69)
($4.40)
$17.13
$3.80
$1.09
Atlanta, GA
$11.40
($3.02)
(4.64)
$10.99
($3.43)
($5.05)
$16.18
$1.76
$0.14
Chicago, IL
$12.36
($3.08)
(5.06)
$11.92
($3.52)
($5.50)
$17.55
$2.11
$0.13
Wichita, KS
$11.14
$1.89
(0.86)
$10.74
$1.49
($1.26)
$15.81
$6.56
$3.81
Tuscon, AZ
$10.74
$0.66
(2.20)
$10.36
$0.28
($2.58)
$15.25
$5.17
$2.31
Source: Paycheck to Paycheck 2005, and interactive database maintained by The Center for Housing Policy, the research affiliate of the National Housing Conference.
1Data
on the median-priced home are from the National Association of Home Builders' Housing Opportunity Index for the first quarter (1Q) of 2005.
data are from the U.S. Department of Housing and Urban Development's report on Fair Market Rents for the year 2005 and are based on a survey of recently occupied units.
annual income needed to qualify for a mortgage was calculated using the average prevailing interest rate, assumes a 10 percent downpayment and the use of private mortgage insurance, and includes principal, interest, taxes and insurance.
4The Hourly Wage Needed to Afford is the hourly wage that must be earned so that this rent does not exceed 30 percent of income, a standard measure of affordability. It is based on a concept developed by the National Low Income Housing Coalition.
5Wage data are as of February, 2005 and were obtained from a proprietary database of salary information by geographic location maintained by Salary.com.
2Rental
3The
the Campaign for Affordable Housing
In spite of overall increases in
homeownership rates, working
families with children are
finding it harder and harder to
purchase a home.

the Campaign for Affordable Housing
The homeownership rate of working
families with children in 2001 was
almost 6 percentage points lower
than it was prior to 1980.
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the Campaign for Affordable Housing
80
Homeownership Rates All Households
and Working Families 1978–2001
65.2
66.9
63.9
68.0
70.5
67.5
68.4
63.4
62.5
55.8
56.3
56.6
1978
1991
1999
2001
0
All Households
All Families with Children
All Working Families with Children
(earning less than 120% A.M.I.
but more than minimum wage)
Source: Working Families with Children: A Closer Look at Homeownership Trends, published May 2004 by The Center for Housing Policy, the research affiliate of the National
Housing Conference.
the Campaign for Affordable Housing
Opposition to affordable housing
makes it difficult and costly to
construct or renovate houses and
apartments and undermines efforts
to win political support for funding,
zoning and project approvals.
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the Campaign for Affordable Housing
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“…NIMBYism takes many forms. It can be as overt as a public
demonstration against a new housing development. It also
can be as insidious as the rigid application of zoning
regulations that perpetuate social and economic
segregation. Whatever its form, NIMBYism reflects the
perception among existing residents that additional housing
for low-to moderate-income people in their neighborhoods
will hurt their property values or quality of life by increasing
such problems as traffic congestion, crime and crowding of
local public facilities.”1
1Paycheck
to Paycheck: Wages and the Cost of Housing in Counties, published May 2004 by The
Center for Housing Policy, the research affiliate of the National Housing Conference.
the Campaign for Affordable Housing
Working together, we can
overcome NIMBYism with the truth.

the Campaign for Affordable Housing
Not in my Not in my
backyard! backyard!
Not in my
Not in my Not in my
backyard!
backyard! backyard!
the Campaign for Affordable Housing
THE TRUTH:
People Who Need Affordable Housing Are Our Neighbors
Most people who reside in affordable housing work.
Here are examples of occupations and the typical
annual salary levels in urban areas.
Low Income
(Below 80 percent of area median income for a family of four)
Truck Driver

$30,100
to see next salary
the Campaign for Affordable Housing
THE TRUTH:
People Who Need Affordable Housing Are Our Neighbors
Most people who reside in affordable housing work.
Here are examples of occupations and the typical
annual salary levels in urban areas.
Low Income
(Below 80 percent of area median income for a family of four)
Legal Clerk

$34,260
to see next salary
the Campaign for Affordable Housing
THE TRUTH:
People Who Need Affordable Housing Are Our Neighbors
Most people who reside in affordable housing work.
Here are examples of occupations and the typical
annual salary levels in urban areas.
Low Income
(Below 80 percent of area median income for a family of four)
Deputy Sheriff $40,398

to see next salary
the Campaign for Affordable Housing
THE TRUTH:
People Who Need Affordable Housing Are Our Neighbors
Most people who reside in affordable housing work.
Here are examples of occupations and the typical
annual salary levels in urban areas.
Low Income
(Below 80 percent of area median income for a family of four)
Firefighter $43,506

to see next salary
the Campaign for Affordable Housing
THE TRUTH:
People Who Need Affordable Housing Are Our Neighbors
Most people who reside in affordable housing work.
Here are examples of occupations and the typical
annual salary levels in urban areas.
Very Low Income
(Below 50 percent of area median income for a family of four)
Nurses Aide

$11,500
to see next salary
the Campaign for Affordable Housing
THE TRUTH:
People Who Need Affordable Housing Are Our Neighbors
Most people who reside in affordable housing work.
Here are examples of occupations and the typical
annual salary levels in urban areas.
Very Low Income
(Below 50 percent of area median income for a family of four)
Accounting Clerk $17,000

to see next salary
the Campaign for Affordable Housing
THE TRUTH:
People Who Need Affordable Housing Are Our Neighbors
Most people who reside in affordable housing work.
Here are examples of occupations and the typical
annual salary levels in urban areas.
Very Low Income
(Below 50 percent of area median income for a family of four)
Legal Secretary

to proceed
$23,920
the Campaign for Affordable Housing
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THE TRUTH:
Here are the occupations and employers of a real
affordable apartment complex in San Jose, California.
Company Name
Occupation
Company Name
Occupation
Aurelia’s Hair Time
Budget Rent-A-Car
Capezio Factory Outlet
Capital Honda
City of San Jose
County of Santa Clara
CRX Telecom Corporation
Danforth Biomed, Inc.
Emporium
Food-4-Less
IBM Corporation
Beautician
Administrative Assistant
Sales
Receptionist
Typist Clerk II
Child Counselor
Receptionist/Clerk
Technician
Store Detective
Cashier
Associate Engineer
Kaiser Hospital
Micro Chassis
Safeway
San Jose State University
San Jose Unified School District
South Bay Pontiac/Cadillac
Sorrento Cheese Company
Spar Logic
Studio 5 Clothing
Tropicana Foods
Wester Specialty Products
Staff Assistant
Welder
Checker
Instruction Assistant
Bus Driver
Installer/Technician
Machine Operator
Accountant
Manager
Cashier
Stone Cutter
SOURCES: San Franciscan Bay Guardian (10/7/98); Nonprofit Housing Association of Northern California ; Good Neighbors Affordable Family Counseling;
Jones, Pettus & Pyatok (1997); Annual Planning Information, Contra Costa County (1993); Marin Independent Journal (2/23/97); City of San Jose
Memorandum (1/3/95).
the Campaign for Affordable Housing
THE TRUTH:
Preserving existing affordable
housing through rehabilitation
repairs and improves communities...

the Campaign for Affordable
Housing
Before…

…and After...
the Campaign for Affordable Housing
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the Campaign for Affordable Housing
THE TRUTH:
Well-designed housing comes in many densities.
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the Campaign for Affordable Housing
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THE TRUTH:
Higher density affordable housing
decreases traffic congestion.
“Studies indicate that the average resident in a compact neighborhood
will drive 20-30% less than residents of a neighborhood half as dense.”
“At densities of 8 units per acre and higher, neighborhoods begin to
support bus and rail transit….”
SOURCE: John Holtzclaw, www.sierraclub.org Local Government Commission
the Campaign for Affordable Housing

THE TRUTH:
Higher density affordable housing
lowers infrastructure costs.
The U.S. Office of Technology Assessment found that it cost $10,000 [per unit]
more to provide infrastructure to a lower density suburban development than to
a more compact urban neighborhood. (OTA-EII-643, 1995)
Infrastructure costs per housing unit significantly decline as density increases: in
developments at 30 units per acre or greater to about $10,000 from $90,000 per
unit when built at 4 units per acre. (Urban Land Institute, Wieman, 1996)
the Campaign for Affordable Housing
THE TRUTH:
Affordable housing comes in a size and
design to fit every community.

the Campaign for Affordable Housing
There are many good ways to
educate our communities about
the need for affordable housing...
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the Campaign for Affordable Housing
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the Campaign for Affordable Housing
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the Campaign for Affordable Housing
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the Campaign for Affordable Housing
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the Campaign for Affordable Housing
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the Campaign for Affordable Housing
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the Campaign for Affordable Housing
Working together to spread the
truth helps those whose help we
depend on to provide safe and
stable homes to their own families.
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the Campaign for Affordable Housing

The Campaign for Affordable Housing
provides public education, advocacy
training and advice for local groups
who wish to expand housing
opportunities for all.
the Campaign for Affordable Housing

To learn more about our programs,
publications and workshops, contact
us at:
The Campaign for Affordable Housing
5900 Wilshire Boulevard, 26th Floor
Los Angeles, CA 90036
(323) 330-0540 phone
(323) 330-0541 fax
[email protected]
www.tcah.org