This presentation is designed to run automatically. However, it will stop at certain points to allow you to review the information being presented at your own pace. When you see the mouse symbol (?) appear in the upper, right-hand corner of your screen,

1
?
This presentation is designed to run
automatically. However, it will stop at certain
points to allow you to review the information
being presented at your own pace. When you see
the mouse symbol (?) appear in the upper,
right-hand corner of your screen, you must
left-click your mouse, or press the space bar or
right arrow key on your keyboard to proceed
through the presentation. You may click the back
arrow key to move backward through the
presentation. Thank you.
2
THE TRUTH ABOUT AFFORDABLE HOUSING
presented by
3

• Taking Action to Solve Americas Housing Crisis

4
(No Transcript)
5
?
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.
6
?
Wages and the Cost of Housing in Los Angeles
County, California (LA-Long Beach, CA
Metropolitan Area)
7
?

• Wages and the Cost of Housing in New Castle
  County, Delaware
• (Wilmington-Newark, DE-MD Metropolitan Area)

8
?

• Wages and the Cost of Housing in Fulton County,
  Georgia

(Atlanta, GA Metropolitan Area)
Source Paycheck to Paycheck Wages and the Cost
of Housing in the Counties, 2004, published by
The Center for Housing Policy, the research
affiliate of the National Housing Conference.
1 Median Home Price was calculated using the
median value of single-family owner-occupied
homes as reported in the 2000 Census for the
county. This value was inflated to the beginning
of 2004 using the Conventional Mortgage Home
Price Index produced by Freddie Mac. 2 Fair
Market Rents (FMRs) are determined by the U.S.
Department of Housing and Urban Development and
are based on a survey of recently occupied units.
In 2004, the FMRs for Fulton County were set at
the 50 percentile of prevailing rents. The 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. The concept of the Housing Wage
was developed by the National Low Income Housing
Coalition. 3 Annual Income Needed to Qualify for
a Mortgage was calculated using the average
interest rate prevailing in 2003, assumes a 10
percent downpayment and the use of private
mortgage insurance, and includes estimated
principal, interest, taxes and insurance. 4 BLS
Typical Wage Rates were obtained from the Bureau
of Labor Statistics, Occupational Employment
Statistics Survey, May 2003 and adjusted to
2004. 5 Salary.com Typical Wage Rates are as of
May 2004 and were obtained from a proprietary
database of salary information by geographic
location maintained by Salary.com.
9
?

• Wages and the Cost of Housing in Lake County,
  Illinois
• (Chicago, IL Metropolitan Area)

10
?

• Wages and the Cost of Housing in Sedgwick County,
  Kansas
• (Wichita, KS Metropolitan Area)

11
?

• Wages and the Cost of Housing in Missoula County,
  Montana
• (Missoula, MT Metropolitan Area)

12
?
In spite of overall increases in homeownership
rates, working families with children are
finding it harder and harder to purchase a home.
13
?
The homeownership rate of working families with
children in 2001 was almost 6 percentage points
lower than it was prior to 1980.
14
?

• Homeownership Rates All Householdsand Working
  Families 19782001

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.
15
?

• 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.

16
?
17
?

• Working together, we can overcome NIMBYism with
  the truth.

18
Not in my backyard!
Not in my backyard!
Not in my backyard!
Not in my backyard!
Not in my backyard!
19
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
20
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
21
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
22
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
23
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
24
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
25
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 23,920
?
to proceed
26
?
THE TRUTH
Here are the occupations and employers of a real
affordable apartment complex in San Jose,
California.

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).
27
?
THE TRUTH
Preserving existing affordable housing through
rehabilitation repairs and improves
communities...
28
?
Before
29
and After...
?
30
?
THE TRUTH
Well-designed housing comes in many densities.
31
?
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
32
?
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)   Infrastructu
re 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)
33
?
THE TRUTH
Affordable housing comes in a size and design to
fit every community.
34
?
There are many good ways to educate our
communities about the need for affordable
housing...
35
?
36
?
37
?
38
?
39
?
40
?
41
?
Working together to spread the truth helps those
whose help we depend on to provide safe and
stable homes to their own families.
42
?

• The Campaign for Affordable Housing provides
  public education, advocacy training and advice
  for local groups who wish to expand housing
  opportunities for all.

43
?

• 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 [phone] fax tcah_at_tcah.org ww
w.tcah.org