Examine individual changes

'{{Use dmy dates|date=September 2015}} {{Multiple issues| {{POV|date=April 2013}} {{Globalize/North America|date=December 2010}} }} [[File:St James Town1.jpg|thumb|''Affordable housing'' or ''Low income housing'' at the [[St. James Town]] neighborhood in [[Toronto|Toronto, Ontario]], [[Canada]].]] '''Affordable housing''' is housing which is deemed affordable to those with a [[median household income]]<ref name="Bhatta, Basudeb 2010 23">{{cite book |title=Analysis of Urban Growth and Sprawl from Remote Sensing Data |author=Bhatta, Basudeb |publisher=Springer |series=Advances in Geographic Information Science |isbn= 978-3-642-05298-9 |date=15 April 2010 |page=23 }}</ref> as rated by the [[national government]] or a [[local government]] by a recognized [[housing affordability index]]. Most of the literature on affordable housing refers to mortgages and number of forms that exist along a continuum – from emergency shelters, to transitional housing, to non-market rental (also known as social or [[subsidized housing]]), to formal and informal rental, indigenous housing, and ending with affordable home ownership.<ref>{{cite web | url=http://www.calgary.ca/CSPS/CNS/Documents/homelessness/ff-01_definition_affordable_housing.pdf | title=Definition Affordable Housing | format=pdf}}</ref><ref>[http://www.cnhed.org/shared/layouts/singleblock.jsp?_event=view&_id=120130_U127242__194346 CNHED] {{webarchive |url=https://web.archive.org/web/20120204163809/http://www.cnhed.org/shared/layouts/singleblock.jsp?_event=view&_id=120130_U127242__194346 |date=4 February 2012 }}</ref><ref>{{cite web | url=http://www.qahc.asn.au/images2/website/affordabilitychart.pdf | title=Queensland Affordable Housing Consortium &#91;QAHC&#93;, Australia | format=pdf}}</ref><ref>{{cite journal |url=http://www.actu.org.au/Images/Dynamic/attachments/5552/ACTU-Housing-Options-jul07.pdf |format=PDF |title=Affordable Housing: Issues, Principles and Policy Options. |publisher=Australian Council of Trade Unions |conference=Affordable Housing Summit |location=Canberra, Australia |date=July 2007 |accessdate=8 December 2011 }} </ref> In Australia, the National Affordable Housing Summit Group developed their definition of affordable housing as housing that is, "...reasonably adequate in standard and location for lower or middle income households and does not cost so much that a household is unlikely to be able to meet other basic needs on a sustainable basis."<ref name="qahc.asn.au">[http://www.qahc.asn.au/modules/tinyd0/index.php?id=8 "Definition: Affordable Housing"] {{webarchive |url=https://web.archive.org/web/20120426044505/http://www.qahc.asn.au/modules/tinyd0/index.php?id=8 |date=26 April 2012 }}, ''Queensland Affordable Housing Consortium'', Australia</ref> In the United Kingdom affordable housing includes "social rented and intermediate housing, provided to specified eligible households whose needs are not met by the market."<ref>{{cite web |url=http://www.communities.gov.uk/housing/housingresearch/housingstatistics/definitiongeneral/ |title=Good practice and guidance, Reports and summaries |date=29 November 2009 |number=06HC04260 |accessdate=8 December 2011 }} </ref> The notion of housing affordability became widespread in the 1980s in Europe and North America. In the words of Alain Bertaud, of New York University and former principal planner at the World Bank,<blockquote>"It is time for planners to abandon abstract objectives and to focus their efforts on two measurable outcomes that have always mattered since the growth of large cities during the 19th century’s industrial revolution: workers’ spatial mobility and '''housing affordability'''."<ref>{{Cite web|url = http://www.demographia.com/dhi2014.pdf|title = 10th Annual Demographia International Housing Affordability Survey: 2014|date = |access-date = 13 February 2016|website = |publisher = }}</ref></blockquote>Housing choice is a response to an extremely complex set of economic, social, and psychological impulses.<ref name="Hulchanski, J. David 1995">{{cite journal |author = Hulchanski, J. David|url = http://www.urbancenter.utoronto.ca/pdfs/researchassociates/Hulchanski_Concept-H-Affd_H.pdf|format = PDF|title = The Concept of Housing Affordability: Six Contemporary Uses of the Expenditure to Income Ratio|journal = Housing Studies|date = October 1995|volume = 10|issue = 4|accessdate = 8 December 2011}}</ref> For example, some households may choose to spend more on housing because they feel they can afford to, while others may not have a choice.<ref>{{cite journal |url=http://www.statcan.gc.ca/pub/75-001-x/11106/9519-eng.htm |title=Measuring housing affordability |author=Luffman, Jacqueline |date=November 2006 |volume=7 |issue=11 |publisher=Statistics Canada }}</ref> ==Measuring housing affordability== === Median Multiple === The [[Median Multiple]] indicator, recommended by the [[World Bank]] and the United Nations, rates affordability of housing by dividing the median house price by gross [before tax] annual median household income). <blockquote>"A common measure of community-wide affordability is the number of homes that a household with a certain percentage of [[median household income|median income]] can afford. For example, in a perfectly balanced housing market, the median household (the wealthier half of households) could officially afford the median housing option, while those poorer than the median income could not afford the median home. 50% affordability for the median home indicates a balanced market."<ref name="Bhatta, Basudeb 2010 23"/></blockquote>Determining housing affordability is complex and the commonly used housing-expenditure-to-income-ratio tool has been challenged. In the United States<ref>{{cite web |title=Affordable Housing and Homelessness | authors=Washington State Labor Council (AFL-CIO) |year=2009 |url=http://www.wslc.org/legis/afford.htm |accessdate=8 December 2011 }}</ref> and Canada,<ref name="Canada Mortgage and Housing Corporation">{{cite web |url=http://www.cmhc-schl.gc.ca/en/corp/faq/faq_002.cfm |format=.cfm |title=Affordable Housing: What is the common definition of affordability? |author1=Canada Mortgage |author2=Housing Corporation |date=28 September 2011 |publisher=Government of Canada |accessdate=8 December 2011 |deadurl=yes |archiveurl=https://web.archive.org/web/20070507183022/http://www.cmhc-schl.gc.ca/en/corp/faq/faq_002.cfm |archivedate=7 May 2007 |df=dmy }}</ref> a commonly accepted guideline for housing affordability is a housing cost that does not exceed 30% of a household's [[gross income]]. Canada, for example, switched to a 25% rule from a 20% rule in the 1950s. In the 1980s this was replaced by a 30% rule.<ref name="Hulchanski, J. David 1995" /> India uses a 40% rule. ===Housing Affordability Index (HAI)=== {{main article|Housing Affordability Index}} One of the greatest strengths of the HAI developed by MIT is its ability to capture the Total Cost of Ownership of individuals' housing choices. In computing the index the obvious cost of rents and mortgage payments are modified by the hidden costs of those choices.<ref>{{cite report|url=http://web.mit.edu/cre/research/hai/aff-index.html|format=.html|title=Measuring Housing Affordability|work=The HAI Affordable Housing Index|publisher=MIT Center for Real Estate|accessdate=13 December 2011 }}</ref><ref name="realtor">{{cite web | url=http://www.realtor.org/topics/housing-affordability-index/methodology | title=Methodology About the Index | publisher=National Association of Realtors | date=n.d.| accessdate=12 September 2015}}</ref> ==Household income and wealth== Income is the primary factor—not price and availability, that determines housing affordability.<ref>{{cite book |url=http://www.uml.edu/centers/cic/Research/Tilly_Research/Housing-Tilly%20chapter-GRBT106-2299G-01-020-037.pdf |format=PDF |author=Tilly, Chris |title=The Economic Environment of Housing: Income Inequality and Insecurity |chapter=10 |date=2 November 2005 |accessdate=16 December 2011 }} </ref> In a market economy the distribution of income is the key determinant of the quantity and quality of housing obtained. Therefore, understanding affordable housing challenges requires understanding trends and [[Economic inequality#Causes of inequality|disparities in income and wealth]]. Housing is often the single biggest expenditure of low and middle income families. For low and middle income families, their house is also the greatest source of wealth.<ref>{{cite book |url=http://www.uml.edu/centers/cic/Research/Tilly_Research/Housing-Tilly%20chapter-GRBT106-2299G-01-020-037.pdf |format=PDF |author=Tilly, Chris |title=The Economic Environment of Housing: Income Inequality and Insecurity |chapter=10 |publisher=Center for Industrial Competitiveness, University of Massachusetts |location=Lowell, Massachusetts |date=2 November 2005 |accessdate=16 December 2011 }} </ref> The most common approach to measure the affordability of housing has been to consider the percentage of income that a household spends on housing expenditures. Another method of studying affordability looks at the regular hourly wage of full-time workers who are paid only the minimum wage (as set by their local, regional, or national government). The hope is that full-time workers will be able to afford at least a small apartment in the area where they work. Some countries look at those living in [[relative poverty]], which is usually defined as making less than 60% of the [[median household income]]. In their policy reports, they consider the presence or absence of housing for people making 60% of the median income. ==Housing expenditures== Housing affordability can be measured by the changing relationships between house prices and rents, and between house prices and incomes.<ref name="economist.com">{{cite journal |url=http://www.economist.com/node/21540231 |title=House of horrors, part 2: The bursting of the global housing bubble is only halfway through |journal=The Economist |date=26 November 2011 |accessdate=15 December 2011 }}</ref> There has been an increase among policy makers in affordable housing as the price of housing has increased dramatically creating a crisis in affordable housing.<ref name="Schmuecker, Katie 2011">{{cite report | url=http://www.ippr.org/images/media/files/publication/2011/05/Good%20bad%20and%20ugly%20-%20Housing%20demand%202025_1829.pdf |title=The good, the bad and the ugly: Housing demand 2025 |author=Schmuecker, Katie |date=March 2011 |publisher=Institute for Public Policy Research |series=Challenging ideas – Changing policy |accessdate=16 December 2011 }}</ref> Since 2000 the "world experienced an unprecedented house price boom in terms of magnitude and duration, but also of synchronisation across countries."<ref name="André, C. 2010">{{cite report |author=André, C. |date=28 January 2010 |title=A Bird's Eye View of OECD Housing Markets |series=OECD Economics Department Working Papers |number=746 |url=http://www.oecd-ilibrary.org/docserver/download/fulltext/5kmlh5qvz1s4.pdf?expires=1323920702&id=id&accname=guest&checksum=A332B821073ADDF04D35D466588AC744 }}{{Dead link|date=February 2015}}</ref> "Never before had house prices risen so fast, for so long, in so many countries."<ref name="economist.com"/> Prices doubled in many countries and nearly tripled in Ireland. The bursting of the biggest financial bubble in history in 2008 wreaked havoc globally on the housing market. By 2011 home prices in Ireland had plunged by 45% from their peak in 2007. In the United States prices fell by 34% while foreclosures increased exponentially. In Spain and Denmark home prices dropped by 15%. However, in spite of the bust, home prices continue to be overvalued by about 25% or more in Australia, Belgium, Canada, France, New Zealand, Britain, the Netherlands, Spain and Sweden.<ref name="economist.com"/> ===Causes and consequences of rise in house prices=== Costs are being driven by a number of factors including: *demographics shifts **the declining number of people per dwelling **Growing Density Convergence, Regional Urbanization **solid population growth (for example sky-high prices in Australia and Canada as a rising population pushes up demand).<ref name="economist.com"/> *supply and demand **a shortfall in the number of dwellings to the number of households ***smaller family size ***the strong psychological desire for home ownership,<ref>http://www.rideforhome.com.au/files/pdf/HousingAffordability.pdf{{dead link|date=December 2016 |bot=InternetArchiveBot |fix-attempted=yes }}</ref> *shifts in economic policies and innovations in financial instruments **reduced profitability of other forms of investment **availability of housing finance<ref name="André, C. 2010"/> **low interest rates<ref name="André, C. 2010"/> **mortgage market innovations<ref name="André, C. 2010"/> *public policy **deregulation **land use zoning **significant taxes' levies and fees by Government on new housing (especially in Australia) ====Inequality and housing==== A number of researchers (David Rodda,<ref name="Rodda 1994"> {{Cite thesis|title=Rich Man, Poor Renter: A Study of the Relationship Between the Income Distribution and Low Cost Rental Housing|author=David T Rodda|date=1994|publisher=Harvard University|pages=148}}</ref> Jacob Vigdor,<ref name="Vigdor 2002">{{cite web|author= Vigdor, Jacob|title= Does Gentrification Harm the Poor?| url =http://muse.jhu.edu/login?auth=0&type=summary&url=/journals/brookings-wharton_papers_on_urban_affairs/v2002/2002.1vigdor.html | publisher = Brookings-Wharton Papers on Urban Affairs|year= 2002}}</ref> Janna Matlack, and Jacob Vigdor), argue that a shortage of affordable housing – at least in the US – is caused in part by income inequality.<ref name="MatlackVigdor2006" /> David Rodda<ref name="Rodda 1994"/><ref>(cited in Matlack ''Do Rising Tides Lift All Prices? Income Inequality and Housing Affordability'', 2006)</ref> noted that from 1984 and 1991, the number of quality rental units decreased as the demand for higher quality housing increased (Rhoda 1994:148).<ref name="Rodda 1994" /> Through [[gentrification]] of older neighbourhoods, for example, in East New York, rental prices increased rapidly as landlords found new residents willing to pay higher market rate for housing and left lower income families without rental units. The [[Ad valorem tax|ad valorem property tax]] policy combined with rising prices made it difficult or impossible for low income residents to keep pace.<ref name=pushedout2009>{{cite report|title=Pushed Out: The Hidden Costs of Gentrification: Displacement and Homelessness |url=http://www.icphusa.org/PDF/reports/ICP%20Report_Pushed%20Out.pdf |format=PDF |year=2009 |publisher=Institute for Children and Poverty |deadurl=yes |archiveurl=https://web.archive.org/web/20130806195638/http://www.icphusa.org/PDF/reports/ICP%20Report_Pushed%20Out.pdf |archivedate=6 August 2013 }}</ref> ===Other housing expenditures=== In measuring affordability of housing there are various expenditures beyond the price of the actual housing stock itself, that are considered depending on the index being used. Some organizations and agencies consider the cost of purchasing a single-family home; others look exclusively at the cost of renting an apartment. Many U.S. studies, for example, focus primarily on the median cost of renting a two-bedroom apartment in a large apartment complex for a new tenant. These studies often lump together luxury apartments and slums, as well as desirable and undesirable neighborhoods. While this practice is known to distort the true costs, it is difficult to provide accurate information for the wide variety of situations without the report being unwieldy. Normally, only legal, permitted, separate housing is considered when calculating the cost of housing. The low rent costs for a room in a single family home, or an illegal garage conversion, or a college dormitory are generally excluded from the calculation, no matter how many people in an area live in such situations. Because of this study methodology, median housing costs tend to be slightly inflated. Costs are generally considered on a cash (not [[accrual]]) basis. Thus a person making the last payment on a large home mortgage might live in officially unaffordable housing one month, and very affordable housing the following month, when the mortgage is paid off. This distortion can be significant in areas where real estate costs are high, even if incomes are similarly high, because a high income allows a higher proportion of the income to be dedicated towards buying an expensive home without endangering the household's ability to buy food or other basic necessities. ==Growing density convergence and regional urbanization== The majority of the more than seven billion people on earth now live in cities (UN). There are more than 500 city regions of more than one million inhabitants in the world. Cities become megacities become megalopolitan city regions and even "galaxies" of more than 60&nbsp;million inhabitants. The Yangtze Delta-Greater Shanghai region now surpasses 80&nbsp;million. Tokyo-Yokohoma adjacent to Osaka-Kobe-Kyoto have a combined population of 100&nbsp;million. Rapid population growth leads to increased need for affordable housing in most cities. The availability of affordable housing in proximity of mass transit and linked to job distribution, has become severely imbalanced in this period of rapid regional urbanization and growing density convergence. "In addition to the distress it causes families who cannot find a place to live, lack of affordable housing is considered by many urban planners to have negative effects on a community's overall health."<ref name="Bhatta, Basudeb 42">{{cite book |title=Analysis of Urban Growth and Sprawl from Remote Sensing Data |author=Bhatta, Basudeb |publisher=Springer |series=Advances in Geographic Information Science |isbn= 978-3-642-05298-9 |date=15 April 2010 |page=42 }}</ref> Affordable housing challenges in inner cities range from the homeless who are forced to live on the street, to the relative deprivation of vital workers like police officers, firefighters, teachers and nurses unable to find affordable accommodation near their place of work. These workers are forced to live in suburbia commuting up to two hours each way to work.<ref>{{cite book |title=The New Blackwell Companion to the City |author1=Bridge, Gary |author2=Watson, Sophie |date=22 March 2011 |publisher=John Wiley & Sons }} </ref> Lack of affordable housing can make low-cost labour scarcer (as workers travel longer distances) (Pollard and Stanley 2007).<ref name="Bhatta, Basudeb 42"/> ==Economy== Lack of affordable housing places a particular burden on local economies. As well, individual consumers are faced with mortgage arrears and excessive debt and therefore cut back on consumption. A combination of high housing costs and high debt levels contributes to a reduction in savings. These factors can lead to decreased investment in sectors that are essential to the long-term growth of the economy. ===Supply and demand=== In some countries, the market has been unable to meet the growing demand to supply housing stock at affordable prices. Although demand for affordable housing, particularly rental housing that is affordable for low and middle income earners, has increased, the supply has not.<ref>{{ cite web|url=http://www.facs.gov.au/sa/housing/pubs/homelessness/not-for-profithousingsector/Pages/affordable_housing.aspx |title=Affordable housing |publisher=Government of Australia |deadurl=yes |archiveurl=https://web.archive.org/web/20120328070847/http://www.facs.gov.au/sa/housing/pubs/homelessness/not-for-profithousingsector/Pages/affordable_housing.aspx |archivedate=28 March 2012 |df=dmy }}</ref><ref>{{cite web|url=http://www.parliament.uk/business/publications/research/key-issues-for-the-new-parliament/social-reform/housing-supply-and-demand/ |title=Housing supply and demand – UK Parliament |publisher=Parliament.uk |date=6 May 2010 |accessdate=15 August 2012}}</ref><ref>{{cite web|url=http://www2.rgu.ac.uk/publicpolicy/introduction/housing.htm |title=Housing and Urban Policy |publisher=.rgu.ac.uk |date= |accessdate=15 August 2012}}</ref><ref name="Mostafa, Anirban 2006 9">{{cite journal |title=Relationship between Housing Affordability and Economic Development in Mainland China—Case of Shanghai |publisher=American Society of Civil Engineers |journal=Journal of Urban Planning Development. |volume=132 |issue=62 |year=2006 |page=9 |author=Mostafa, Anirban |author2=Wong, Francis K. W. |author3=Hui, Chi Mun Eddie |doi=10.1061/(asce)0733-9488(2006)132:1(62) }}</ref> Potential home buyers are forced to turn to the rental market, which is also under pressure.<ref>{{cite journal |url=http://www.nationalhousingconference.org.au/downloads/1999/DayOne/judy_yates_paper.pdf |title=Housing Markets and Household Income Polarisation: A Metropolitan and Regional Analysis |author=Judith Yates |author2=Maryann Wulff |year=1999 |accessdate=8 December 2011 }} </ref> An inadequate supply of housing stock increases demand on the private and social rented sector, and in worse case scenarios, homelessness.<ref name="Schmuecker, Katie 2011"/> ===Some of the factors that affect the supply and demand of housing stock=== *Demographic and behavioural factors *Migration (to cities and potential employment) *Increased life expectancy *Building codes<ref>Listokin, David; Hattis, David B., [http://www.huduser.org/periodicals/cityscpe/vol8num1/ch2.pdf "Building Codes and Housing"], ''Cityscape: A Journal of Policy Development and Research'', Volume 8, Number 1, 2005, U.S. Department of Housing and Urban Development, Office of Policy Development and Research</ref> *A greater propensity for people to live alone *Young adults delaying forming their own household (in advanced economies). *Exclusionary zoning ===Factors that affect tenure choices (ex. owner occupier, private rented, social rented)=== *Employment rates **Rising unemployment rates increase demand for market rentals, social housing and homelessness. *Real household incomes **Household incomes have not kept up with rising housing prices *Affordability of rents and owner occupation ** *Interest rates *Availability of mortgages *Levels of confidence in the economy and housing market **Low confidence decreases demand for owner occupation<ref name="Schmuecker, Katie 2011"/> ==Labour market performance== In both large metropolitan areas and regional towns where housing prices are high, a lack of affordable housing places local firms at a competitive disadvantage. They are placed under wage pressures as they attempt to decrease the income/housing price gap. Key workers have fewer housing choices if prices rise to non-affordable levels. Variations in affordability of housing between areas may create labour market impediments. Potential workers are discouraged from moving to employment in areas of low affordability. They are also discouraged from migrating to areas of high affordability as the low house prices and rents indicate low capital gain potential and poor employment prospects.<ref>{{cite report |url=http://www.ahuri.edu.au/downloads/NRV3/NRV3_Research_Paper_1.pdf |format=PDF |title=Conceptualising and measuring the housing affordability problem |date=May 2005 |isbn=1-920941-76-2 |series=National Research Venture 3: Housing Affordability for Lower Income Australians |number=1 |author1=Gabriel, Michelle |author2=Jacobs, Keith |author3=Arthurson, Kathy |author4=Burke, Terry |author5=Yates, Judith |publisher=Australian Housing and Urban Research Institute |page=3 }} </ref> ==Social costs of lack of affordable housing== Housing affordability is more than just a personal trouble experienced by individual households who cannot easily find a place to live. Lack of affordable housing is considered by many [[urban planning|urban planners]] to have negative effects on a community's overall health.<ref>{{cite report |url=http://www.ahuri.edu.au/downloads/NRV3/NRV3_Research_Paper_1.pdf |format=PDF |title=Conceptualising and measuring the housing affordability problem |date=May 2005 |isbn=1-920941-76-2 |series=National Research Venture 3: Housing Affordability for Lower Income Australians |number=1 |author1=Gabriel, Michelle |author2=Jacobs, Keith |author3=Arthurson, Kathy |author4=Burke, Terry |author5=Yates, Judith |publisher=Australian Housing and Urban Research Institute |page=2 }} </ref> === Jobs, transportation, and affordable housing === {{main article|Workforce housing}} Lack of affordable housing can make low-cost labor more scarce, and increase demands on transportation systems (as workers travel longer distances between jobs and affordable housing). Housing cost increases in U.S. cities<ref>[http://www.latimes.com/news/education/la-me-enroll11jun11,1,481921.story?coll=la-news-learning Los Angeles, California]</ref><ref>[https://www.knowledgeplex.org/news/154740.html Sarasota, Florida]{{dead link|date=October 2016 |bot=InternetArchiveBot |fix-attempted=yes }}</ref> have been linked to declines in enrollment at local schools.<ref>[http://www.bos.frb.org/commdev/c&b/2005/Spring/Housing.pdf Deconstructing the Myths: Housing Development Versus School Costs]</ref> "Faced with few affordable options, many people attempt to find less expensive housing by buying or renting farther out, but long commutes often result in higher transportation costs that erase any savings on shelter." Pollard (2010) called this the "drive 'til you qualify" approach, which causes far-flung development and forces people to drive longer distances to get to work, to get groceries, to take children to school, or to engage in other activities.<ref>{{cite report |url=http://www.va-rems.org/connecting_home_and_work.pdf |format=PDF |title=Jobs, Transportation, and Affordable Housing: Connecting Home and Work |author=Pollard, Trip |year=2010 |publisher=Southern Enivronmental Law Center/Housing Virginia }} </ref> A well located dwelling might save significant household travel costs and therefore improve overall family economics, even if the rent is higher than a dwelling in a poorer location.<ref name="qahc.asn.au"/> A household's inhabitants must decide whether to pay more for housing to keep commuting time and expense low, or to accept a long or expensive commute to obtain "better" housing. The absolute availability of housing is not generally considered in the calculation of affordable housing. In a depressed or sparsely settled rural area, for example, the predicted price of the canonical median two-bedroom apartment may be quite easily affordable even to a minimum-wage worker – if only any apartments had ever been built. Some affordable housing prototypes include [[Nano House]] and Affordable Green Tiny House Project. ==Affordable housing and public policy== Policy makers at all levels – global, national, regional, municipal, community associations – are attempting to respond to the issue of affordable housing, a highly complex crisis of global proportions, with a myriad of policy instruments. These responses range from stop-gap financing tools to long-term intergovernmental<ref name="McGill-Queen's University Press">{{cite book |author=Hulchanski, David J. |url=http://www.ppm-ppm.ca/SOTFS/Hulchanski.pdf |format=PDF |chapter=10. What Factors Shape Canadian Housing Policy? The Intergovernmental Role in Canada's Housing System |editor=Young, Robert |editor2=Leuprecht, Christian |title=Canada: The State of the Federation 2004: Municipal-Federal-Provincial Relations in Canada |date=June 2006 |series=Institute of Intergovernmental Relations |publisher=McGill-Queen's University Press |accessdate=15 December 2011 }}</ref> infrastructural changes. In the simplest of terms, affordability of housing refers to the amount of capital one has available in relation to the price of the goods to be obtained. Public policies are informed by underlying assumptions about the nature of housing itself. Is housing a basic need, a right,<ref>{{cite report |url=http://www.unhabitat.org/downloads/docs/3680_5167_1.pdf |format=PDF |year=2004 |title=Meeting Report Regional Dialogue on Housing Rights |location=Bangkok, Thailand |authors=UNESCAP, UN-HABITAT, OHCHR, COHRE, CODI |accessdate=15 December 2011 }}</ref><ref>{{cite web |url=http://www.ohchr.org/EN/Issues/Housing/Pages/InternationalStandards.aspx |authors=Office of the High Commissioner for Human Rights OHCHR |title=Universal Declaration of Human Rights (1948) Article 25.1 }} </ref> an entitlement, or a public good? Or is just another household-level consumer choice, a commodity or an investment within the free market system? "Housing Policies provide a remarkable litmus test for the values of politicians at every level of office and of the varied communities that influence them. Often this test measures simply the warmth or coldness of heart of the more affluent and secure towards families of a lower socio-economic status (Bacher 1993:16)."<ref>{{cite book |author=Bacher, John C. |year=1993 |title=Keeping to the Marketplace: The Evolution of Canadian Housing Policy |location=Montreal |publisher=McGill-Queen's University Press }}</ref> Affordable housing needs can be addressed through public policy instruments that focus on the demand side of the market, programs that help households reach financial benchmarks that make housing affordable. This can include approaches that simply promote economic growth in general—in the hope that a stronger economy, higher employment rates, and higher wages will increase the ability of households to acquire housing at market prices. Federal government policies define banking and mortgage lending practices, tax and regulatory measures affecting building materials, professional practices (ex. real estate transactions).<ref name="McGill-Queen's University Press"/> The purchasing power of individual households can be enhanced through tax and fiscal policies that result in reducing the cost of mortgages and the cost of borrowing. Public policies may include the implementation of subsidy programs and incentive patterns for average households.<ref name="McGill-Queen's University Press"/> For the most vulnerable groups, such as seniors, single-parent families, the disabled, etc. some form of publicly funded allowance strategy can be implemented providing individual households with adequate income to afford housing. Currently, policies that facilitate production on the supply side include favorable land use policies such as inclusionary [[zoning]], relaxation of environmental regulations, and the enforcement of affordable housing quotas in new developments. In some countries, such as Canada, municipal governments began to play a greater role in developing and implementing policies regarding form and density of municipal housing in residential districts, as early as the 1950s.<ref name="McGill-Queen's University Press"/> At the municipal level recently promoted policy tools include relaxation of prohibitions against [[Garage apartment|accessory dwelling units]], and reduction of the amount of [[parking]] that must be built for a new structure. Affordable housing is a controversial reality of contemporary life, for gains in affordability often result from expanding land available for housing or increasing the density of housing units in a given area. Ensuring a steady supply of affordable housing means ensuring that communities weigh real and perceived [[livability]] impacts against the sheer necessity of affordability. The process of weighing the impacts of locating affordable housing is quite contentious, and is laden [[gentrification|with race and class implications]]. Recent research, however, suggests that proximity to low-income housing developments generally has a positive impact on neighborhood property conditions.<ref>[http://www.kansascityfed.org/publicat/reswkpap/pdf/rwp11-10.pdf Federal Reserve Bank of Kansas City, ''Low-Income Housing Tax Credit Developments and Neighborhood Property Conditions'', December 2011]</ref> The growing gap between rich and poor since the 1980s manifests itself in a housing system where public policy decisions privilege the ownership sector to the disadvantage of the rental sector.<ref name="McGill-Queen's University Press"/> Owens wonders if the housing market helped reduced poverty concentration in the National longitudinal data between the years of 1977-2008 with concentration of the 100 largest metropolitan areas in the United States. Data information is to compare or intertwine with the differences of national housing subsidies, the entry, exit, and enhancement of low income housing.<ref>{{Cite journal|last=Owen|first=Ann|year=2015|title=Housing Policy and Urban Inequality: Did the Transformation of Assisted Housing Reduce Poverty Concentration?|url=|journal=Housing Policy and Urban Inequality|volume=|pages=325|via=}}</ref> ===Right to build=== An article by Libertarian writer Virginia Postrel in the November 2007 issue of [[Atlantic Monthly]] reported on a study of the cost of obtaining the "right to build" (i.e. a building permit, red tape, bureaucracy, etc.) in different U.S. cities. The "right to build" cost does not include the cost of the land or the cost of constructing the house. The study was conducted by [[Harvard]] economists Edward Glaeser and Kristina Tobio. According to the chart accompanying the article, the cost of obtaining the "right to build" adds approximately $600,000 to the cost of each new house that is built in San Francisco. The study, cited, published by Ed Glaeser and Joe Gyourko, reached its conclusion about the value of right to build in different localities based on a methodology of comparing the cost of single family homes on quarter-acre versus half-acre lots, with the entire difference between the two being attributed to the cost of zoning and other local government permitting and regulations. By contrast, standard appraisal methodology recognizes the importance of locational attributes, the differing values the market places on similar homes based on the size of the land parcel, and the impact of the scope and character of improvements on the value of the land, factors which are not considered significant in Glaeser and Gyourko's analysis. Glaeser and Gyourko's analysis also fails to address other local and regional factors other than regulation that impact housing prices, such as costs of construction and non-construction inputs to housing, the availability of buildable land, and the nature of local demand (e.g., smaller vs. larger homes, acreage vs. accessibility, transportation options). <ref>[https://www.theatlantic.com/doc/200711/housing?ca=PoSzloTzAzqq0Pg%2BPB504R6MjpVFf78zhjpE2yeHl78%3D A Tale of Two Town Houses], Atlantic Monthly, November 2007</ref> ===Government restrictions on affordable housing=== [[File:Ferienhaus Schweden 2006.jpg|thumb| A cheap-to-build traditional [[Summer house]] in Sweden that legally can't be lived in permanently.]] Many governments put restrictions on the size or cost of a dwelling that people can live in. {{citation needed|date=September 2014}} Making it essentially illegal to live permanently in a house that is too small, low cost or not meeting to other government defined requirements. Generally these laws are implemented in an attempt to raise the perceived "standard" of housing across the country. This can lead to thousands of houses across a country being left empty for much of the year even when there is a great need for more affordable housing such as is the case in countries like [[Sweden]], [[Norway]], [[Finland]] and [[Denmark]] where there is a common tradition to have a [[summer house]]. This sometimes raises concerns for the respect of rights such as the [[Property rights (economics)|right to utilize one's property]]. ==Affordable housing by country== === Australia === Australians in receipt of many social security benefits from [[Centrelink]] who rent housing from a private landlord are eligible for [[rent assistance]]. Rent assistance is a subsidy paid directly to the tenant in addition to the basic Centrelink benefit such as the Age Pension or the Disability Pension. The amount of rent assistance paid depends on the amount of rent payable, whether the tenant has dependents and how many dependents there are. Tenants who live in [[public housing in Australia]] are not eligible for rent assistance.<ref>{{cite web |url=http://www.centrelink.gov.au/internet/internet.nsf/payments/rent_eligible.htm |author=[[Centrelink]] |title=Eligibility for Rent Assistance |date=30 June 2008 |accessdate=23 November 2008 | archiveurl= https://web.archive.org/web/20081217022958/http://www.centrelink.gov.au/internet/internet.nsf/payments/rent_eligible.htm| archivedate= 17 December 2008 | deadurl= no}}</ref> Australians buying a home for the first time are eligible for a [[first home owner grant]]. These grants were introduced on 1 July 2000 and are jointly funded by the Commonwealth government and the [[states and territories of Australia|state and territory governments]]. First home buyers are currently eligible for a grant of [[Australian dollar|A$]]7000 to alleviate the costs of entering the housing market.<ref>{{cite web |url=http://www.firsthome.gov.au/ |title=First Home Owners Scheme |accessdate=23 November 2008 }}</ref> The Commonwealth government in 2008 introduced [[first home saver account]]s, whereby those saving for a new home are eligible for government contributions to their savings account, subject to conditions.<ref>{{cite web |url=http://www.ato.gov.au/content/downloads/MEI00155253n72406082008.pdf |title=The First Home Saver Account: What you need to know |author=[[Australian Taxation Office]] |date = October 2008|accessdate=23 November 2008 | archiveurl= https://web.archive.org/web/20081203020754/http://www.ato.gov.au/content/downloads/MEI00155253n72406082008.pdf| archivedate= 3 December 2008 | deadurl= no}}</ref> ==== Western Australia – Department of Housing Affordable Homes Scheme ==== The long-term goal of the Department is to deliver at least 20,000 more affordable homes by 2020 for low to moderate income earners, through the Opening Doors Scheme.<ref name=openingdoors>{{cite web | url=http://www.openingdoorswa.com.au | title=Opening Doors to Affordable Housing | work=www.openingdoorswa.com.au}}</ref> Opening Doors offers two ways for Western Australians to own their own homes. ===== Shared Home Ownership ===== The Shared Home Ownership<ref name=openingdoors /> is the only scheme of its kind in Australia. Western Australians can purchase their own home with help from the Department of Housing with a SharedStart loan through Keystart, the Governments lending provider. With shared ownership, the initial cost of buying a home is reduced, as the Department retains up to 30% of the property. The Department's share depends on your borrowing capacity, household size, and the location and type of property. In the future, the buyer may have the option to purchase the full amount or sell the home back to the Department. With a ShareStart loan you can purchase newly built homes and off-the–plan properties offered by the Department of Housing. ===== Affordable House Sales ===== The Department of Housing (the Housing Authority), through the Housing Authority, now offers Affordable House Sales<ref name=openingdoors /> to the general public. Properties are available to anyone interested in purchasing a home. The Department works closely with industry to ensure that properties being developed for sale are affordable for those on low-to-moderate incomes. === Canada === {{Main article|Affordability of housing in Canada}} In Canada affordability is one of three elements (adequacy, suitability) used to determine core housing needs.<ref name="Canada Mortgage and Housing Corporation"/> ====Ontario==== In 2002, the [[Social Housing Services Corporation (SHSC)]] was created by Province of [[Ontario]] to provide group services for social housing providers (public, non-profit and co-op housing) following the downloading of responsibility for over 270,000 social housing units to local municipalities. It is a non-profit corporation governed by a board of municipal, non-profit and co-op housing representatives. Its mandate is to provide Ontario housing providers and service managers with [[bulk purchasing]], insurance, investment and information services that add significant value to their operations. With an annual budget of $4.5&nbsp;million, SHSC and its two subsidiaries, SOHO and SHSC Financial Inc. offers a dedicated insurance program for social housing providers, bulk gas purchasing and an innovative energy efficiency retrofit program that coordinates energy audits, expertise, funding, bulk purchasing of energy-efficient goods, training and education, and data evaluation. SHSC manages and provides investment advice to housing providers on capital reserves valued at more than $390&nbsp;million. Working closely with other housing sector organizations and non-governmental organizations, SHSC also supports and develops independent housing-related research, including a new Housing Internship program for graduate-level researchers. ====British Columbia==== Recently{{when|date=July 2016}} there has been a move toward the integration of affordable social housing with market housing and other uses, such as the 2006–10 redevelopment of the [[Woodward's building]] site in Vancouver.{{citation needed|date=July 2016}} [[Legislation]] to help make [[home ownership]] accessible to [[middle-class]] families, and other measures aimed to make sure that British Columbians can continue to live, work and raise families in [[British columbia]] such as increasing [[rental property]] supply was passed and will take effect 0n August 2, 2016.<ref>https://news.gov.bc.ca/releases/2016PREM0080-001346</ref> ===China=== China is also experiencing a gap between housing price and affordability as it moves away from an in-kind welfare benefit system to a market-oriented allocation system (Hui ''et al.'' 2007). Most urban housing prior to 1978 in the planned-economy era consisted of nearly free dwellings produced and allocated by the unsustainable single-channel state-funded system.<ref name="Mostafa, Anirban 2006 9"/> The goal of China's housing reform started in 1978 was to gradually transform housing from a "free good" to a "subsidized good" and eventually to a "commodity", the price of which reflects true production costs and a market profit margin.<ref>{{cite journal|last=Chiu|first=Rebecca|title=Housing affordability in Shenzhen special economic zone: A forerunner of China's housing reform|journal=Housing Studies|year=1996|volume=11|issue=4|url=http://www.tandfonline.com/doi/abs/10.1080/02673039608720875#.UoQJABqsim4|accessdate=13 November 2013|doi=10.1080/02673039608720875|pages=561–580}}</ref> In 1998 China accelerated its urban housing reform further moving away from an in-kind welfare benefit system to a market-oriented allocation system, with the state reducing its role in housing provision. The reform is followed by increasing home ownership, housing consumption, real estate investment, as well as skyrocketing housing price.<ref>{{cite web|last=Gao|first=Lu|title=Achievements and Challenges: 30 Years of Housing Reforms in the People’s Republic of China|ssrn=1619161|accessdate=13 November 2013}}</ref> High housing price is a major issue in a number of big cities in China. Started in 2005, high housing appreciation rate became serious affordability problem for middle and low income families: in 2004 the housing appreciation rate of 17.8%, almost twice the income growth rate 10% [http://www.stats.gov.cn/tjsj/ndsj/2011/indexch.htm (NBSC 2011)]. Municipal governments have responded to the calling for increase housing supply to middle and low-income families by a number of policies and housing programs, among which are the Affordable Housing Program and the Housing Provident Fund Program. The Affordable Housing Program (commonly known as the "Economical and Comfortable Housing Program, or 经济适用房) is designed to provide affordable housing to middle- to low-income households to encourage home ownership. In 1998 the Department of Construction and Ministry of Finance jointly promulgated "The Method of Urban Affordable Housing Construction Managing," marked the start of the program. Aimed at middle- to low-income households (annual income less than 30,000 to 70,000 RMB according to size of household and the specific area), this public housing program provides housing (usually 60–110 square meters) at affordable price (usually 50–70% market price).<ref>{{cite book|last=The Chinese Ministry of Construction|title=Urban Affordable Housing Construction Policing method}}</ref> Within the policies and mandates set by the central government, local governments are responsible for the operation of the program. Local governments usually appropriate state-owned land to real estate developers, who are responsible for the finance and construction of affordable housing.<ref>{{cite web|last=Man|first=Joyce Yanyun|title=Affordable Housing in China|url=https://www.lincolninst.edu/pubs/dl/1871_1184_LLA110104.pdf|accessdate=13 November 2013}}</ref> The profit for real estate developers are controlled to be less than 3%,<ref>{{cite book|last=The State Council housing organizational reform leading group in China|title=Affordable Housing Management Method}}</ref> so as to keep the price of housing at the affordable level. Individuals need to apply for the affordable housing through household and income investigation.<ref>{{cite web|title=Application for Affordable Housing|url=http://www.66law.cn/special/jingjishiyongfang/}}</ref> The program is controversial in recent years because of insufficient construction, poor administration, and widespread corruption. Local government has limited incentive to provide affordable housing, as it means lower revenue from land-transferring fees and lower local GDP.<ref>{{cite journal|last=Lou|first=Jianbo|author2=Joyce Palomar|title=Housing Policy in the People's Republic of China: Success and Disappointments|url=http://works.bepress.com/joyce_palomar/1}}</ref> As a result, the funding of the program has been decreasing ever from its inception, and the affordable housing construction rate dropped from 15.6% (1997) to 5.2% (2008).<ref>([http://www.stats.gov.cn/tjsj/ndsj/2011/indexch.htm NBSC 2011])</ref> Because of the limited supply of affordable housing and excessive housing demand from the middle- to low-income populations, affordable housing are usually sold at high market price. In many cities ineligible high-income households own affordable housing units whereas many qualified families are denied access. Housing Provident Fund (HPF) Program is another policy effort to provide affordable housing. China introduced the Housing Provident Fund (HPF) program nationwide in 1995. It is similar to housing fund programs in other countries such as Thailand and Singapore. HPF provides a mechanism allowing potential purchasers who have an income to save for and eventually purchase a unit dwelling (which may be a formerly public housing unit). The HPF includes a subsidized savings program linked to a retirement account, subsidized mortgage rates and price discounts for housing purchase.<ref>{{cite news |url=http://www.umac.mo/fba/irer/papers/past/Vol7_pdf/1-30.pdf |format=PDF |title=The Chinese Housing Provident Fund |journal=International Real Estate Review |year=2004 |volume=7 |number=1 |page=30 |author=Buttimer, Richard J. |accessdate=8 December 2011 }} </ref> ===India=== In [[India]], it is estimated that in 2009–10, approximately 32% of the population was living below the poverty line<ref>World Bank. [http://www.worldbank.org.in/WBSITE/EXTERNAL/COUNTRIES/SOUTHASIAEXT/INDIAEXTN/0,,contentMDK:20195738~pagePK:141137~piPK:141127~theSitePK:295584,00.html India Country Overview September 2011]. 32% is the 2009–10 estimate, down from 37% in 2004–05.</ref> and there is huge demand for affordable housing. The deficit in Urban housing is estimated at 18 million units most of which are amongst the economically weaker sections of the society. Some developers are developing [[low cost]] and '''affordable housing''' for this population. The Government of India has taken up various initiatives for developing properties in low cost and affordable segment. They have also looked at PPP model for development of these properties. ''''''[[Government of Haryana|Government of haryana']]'' launch its affordable housing policy in 2013''' This policy is intended to encourage the planning and completion of "Group Housing Projects" wherein apartments of "pre-defined size" are made available at "pre-defined rates" within a "Targeted time-frame" as prescribed under the present policy to ensure increased supply of "[http://hudaaffordablegurgaon.com Affordable Housing]" in the urban areas of haryana. View [http://hudaaffordablegurgaon.com/affordable-housing-policy-2013-2016/ Haryana Affordable Housing Policy]<ref>http://tcpharyana.gov.in/notifications%20&%20judgements/Notification_AFFORDABLE_HOUSING_POLICY_2013_Finalised%2018.08.2013.pdf</ref> {{See also|Housing in India|Illegal housing in India}} === United Kingdom === {{Main article|Affordability of housing in the United Kingdom}} The British housing market in the late 1980s and early 1990s experienced an almost unprecedented set of changes and pressures. A combination of circumstances produced the crisis, including changes in demography, income distribution, housing supply and tenure, but financial deregulation was particularly important. Housing affordability became a significant policy issue when the impact on the normal functioning of the owner occupied market became severe and when macro-economic feedback effects were perceived as serious. A number of specific policy changes resulted from this crisis, some of which may endure. Many of these revolve around the ability or otherwise of people to afford housing, whether as would-be buyers priced out of the boom, recent buyers losing their home through mortgage default or trapped by '[[negative equity]]', or tenants affected by deregulation and much higher rent levels.<ref name="Bramley 1994">{{cite journal |url = http://www.tandfonline.com/doi/abs/10.1080/02673039408720777#preview|author = Bramley, Glen|year = 1994|title = An affordability crisis in British housing: dimensions, causes and policy impact|journal = Housing Studies|volume = 9|publisher = Taylor and Francis|issue = 1|pages = 103–124|doi = 10.1080/02673039408720777}}</ref> A 2013 investigation by [[The Bureau of Investigative Journalism]] found that the UK spent £1.88bn – enough to build 72,000 homes in London – on renting temporary accommodation in 12 of Britain's biggest cities over the preceding four years.<ref>Mathiason, Nick; Hollingsworth, Victoria; Fitzgibbon, Will. '[http://www.thebureauinvestigates.com/2013/05/19/uk-housing-crisis-costing-taxpayer-2bn/ Scale of UK housing crisis revealed]', The Bureau of Investigative Journalism, 19 May 2013.</ref> ====A tradition of social housing in the United Kingdom==== The United Kingdom has a long tradition of promoting affordable [[Social housing|social rented housing]]. This may be owned by [[Local government in the United Kingdom|local councils]] or [[housing association]]s. There are also a range of affordable home ownership options, including [[shared ownership]] (where a tenant rents part share in the property from a social landlord, and owns the remainder). The government has also attempted to promote the supply of [[owner occupied]] affordable stock for purchase, principally by using the [[Town and country planning in the United Kingdom|land-use planning system]] to require that housing developers provide a proportion of lower cost housing within new developments.<ref>Planning Policy Statement No. 3: Housing, Department of Communities and Local Government 2006</ref> This approach is commonly known as [[inclusionary zoning]] (though not in the UK), and the current mechanism for securing the provision of affordable housing as part of a planning application for new housing development is through the use of a [[S.106 Agreement]]. In Scotland the equivalent is a [[Section 75 planning agreement]]. (Section 75 of the Town and Country Planning (Scotland) Act 1997) ====Council houses==== {{Main article|Council house}} A high proportion of homes in the UK were previously [[Council house|council-owned]], but the numbers have been reduced since the early 1980s due to initiatives of the [[Margaret Thatcher|Thatcher government]] that restricted council housing construction and provided financial and policy support to other forms social housing. In 1980, the [[Conservative Party (UK)|Conservative]] government of [[Margaret Thatcher]] introduced the [[Right to buy scheme|Right to Buy]] scheme, offering council tenants the opportunity to purchase their housing at a discount of up to 60% (70% on leasehold homes such as flats). Alongside Right to Buy, council-owned stock was further diminished as properties were transferred to housing associations. Council Tenants in some instances have chosen to transfer management of the properties to [[Arms Length Management Organisation|arms-length non-profit organisations]]. The tenants still remained Council tenants, and the housing stock still remained the property of the Council. This change in management was encouraged by extra funding from central government to invest in the housing stock under the [[Decent Homes Programme]]. The program required council housing to be brought up to a set standard was combined with restrictions on the amounts that councils could borrow and led to an increase in such arms length management organisations being set up. In some areas, significant numbers of council houses were demolished as part of [[urban regeneration]] programmes, due to the poor quality of stock, low levels of demand and social problems. In rural areas where local wages are low and house prices are higher (especially in regions with holiday homes), there are special problems. Planning restrictions severely limit rural development, but if there is evidence of need then exception sites can be used for people with a local connection. This evidence is normally provided by a housing Needs survey carried out by a Rural Housing Enabler working for the local Rural Community Council. Housing associations are not-for-profit organisations with a history that goes back before the start of the 20th century. The number of homes under their ownership grew significantly from the 1980s as successive governments sought to make them the principal form of social housing, in preference to local authorities. Many of the homes previously under the ownership of local authorities have been transferred to newly established housing associations, including some of the largest in the country. Despite being not-for-profit organisations, housing association rents are typically higher than for council housing. Renting a home through a housing association can in some circumstances prove costlier than purchasing a similar property through a mortgage. All major [[housing association]]s are registered with the [[Homes and Communities Agency]] who are responsible for the regulation of social housing from 1 April 2012.<ref>{{cite web|url=http://www.tenantservicesauthority.org/ |title=Tenant Services Authority |accessdate=15 April 2012 |deadurl=yes |archiveurl=https://web.archive.org/web/20120414180807/http://www.tenantservicesauthority.org/ |archivedate=14 April 2012 |df=dmy }}</ref> Housing associations that are registered were known as Registered Social Landlords from 1996, but in the Housing and Regeneration Act 2008 the official term became Registered Providers. The latter also covers [[council house|council housing]], and developers and other bodies that may receive grants for development.<ref name=jls2011>[http://residential.joneslanglasalle.co.uk/en-GB/knowledge-centre/publications/affordable-housing-2011.aspx Affordable Housing – a new dawn?], [[Jones Lang LaSalle]], 2011. Retrieved 29 September 2011.</ref>{{rp|3}} The [[Department for Communities and Local Government]] sets the policy for housing in England. In Scotland policy is set by the [[Scottish Parliament]]; inspecting and regulating activities falls to the Scottish Housing Regulator.<ref>{{cite web|url=http://www.scottishhousingregulator.gov.uk/ |title=Regulating to protect the interests of tenants, homeless people and others who use social landlords' services |publisher=Scottish Housing Regulator |date= |accessdate=15 August 2012}}</ref> Social housing in [[Northern Ireland]] is regulated by the Northern Ireland Housing Executive, which was established to take on ownership of former council stock and prevent sectarian allocation of housing to people from one religion. ===United States=== <!-- Deleted image removed: [[File:US Fed Housing Budget Chart 1976-2007.png|thumb|U.S. Federal Housing Budget 1976–2007]] --> The federal government in the U.S. provides subsidies to make housing more affordable. Financial assistance is provided for homeowners through the [[mortgage interest]] [[tax deduction]] and for lower income households through housing subsidy programs. In the 1970s the federal government spent similar amounts on tax reductions for homeowners as it did on subsidies for low-income housing. However, by 2005, tax reductions had risen to $120&nbsp;billion per year, representing nearly 80 percent of all federal housing assistance.<ref name="changing priorities">{{cite web |url=http://www.nlihc.org/doc/cp04.pdf |title=Changing priorities |accessdate=24 March 2008 |format=PDF |work=}}</ref> The Advisory Panel on Federal Tax Reform for [[George W. Bush|President Bush]] proposed reducing the [[home mortgage interest deduction]] in a 2005 report.<ref name="titlePresidents Advisory Panel on Federal Tax Reform">{{cite web |url=http://www.taxreformpanel.gov/ |title=President's Advisory Panel on Federal Tax Reform |accessdate=19 March 2008 |work=| archiveurl= https://web.archive.org/web/20080315132148/http://www.taxreformpanel.gov/| archivedate= 15 March 2008 | deadurl= no}}</ref> Housing assistance from the federal government for lower income households can be divided into three parts: * "Tenant based" subsidies given to an individual household, known as the [[Section 8 (housing)|Section 8]] program * "Project based" subsidies given to the owner of housing units that must be rented to lower income households at affordable rates, and * [[Public housing in the United States|Public Housing]], which is usually owned and operated by the government. (Some public housing projects are managed by subcontracted private agencies.) “Project based" subsidies are also known by their section of the U.S. Housing Act or the [[Housing Act of 1949]], and include Section 8, Section 236, Section 221(d)(3), Section 202 for elderly households, Section 515 for rural renters, Section 514/516 for farmworkers and Section 811 for people with disabilities. There are also housing subsidies through the Section 8 program that are project based. The [[United States Department of Housing and Urban Development]] (HUD) and USDA [[Rural Development]] administer these programs. HUD and USDA Rural Development programs have ceased to produce large numbers of units since the 1980s. Since 1986, the [[Low-Income Housing Tax Credit]] program has been the primary federal program to produce affordable units; however, the housing produced in this program is less affordable than the former HUD programs. One of the most unusual US public housing initiatives was the development of subsidized middle-class housing during the late [[New Deal]] (1940–42) under the auspices of the [[Mutual Ownership Defense Housing Division]] of the [[Federal Works Agency]] under the direction of [[Colonel Lawrence Westbrook]]. These eight projects were purchased by the residents after the [[Second World War]] and as of 2009 seven of the projects continue to operate as mutual housing corporations owned by their residents. These projects are among the very few definitive success stories in the history of the US public housing effort. In the U.S., households are commonly defined in terms of the amount of [[Realization (finance)|realized]] income they earn relative to the [[Household income in the United States|Area Median Income]] or AMI.<ref name="titleInitiative for Affordable Housing - Glossary">{{cite web|url=http://affordablehousingatl.org/glossary.html |title=Initiative for Affordable Housing – Glossary |accessdate=19 March 2008 |work= |archiveurl=https://web.archive.org/web/20071222050629/http://affordablehousingatl.org/glossary.html |archivedate=22 December 2007 |deadurl=no |df=dmy }}</ref> Localized AMI figures are calculated annually based on a survey of comparably sized households within geographic ranges known as [[metropolitan statistical areas]], as defined by the US Office of Management and Budget.<ref name="titleMetropolitan and Micropolitan Statistical Areas">{{cite web|url=http://www.census.gov/population/www/estimates/metroarea.html |archive-url=https://web.archive.org/web/19990221012505/http://www.census.gov/population/www/estimates/metroarea.html |dead-url=yes |archive-date=21 February 1999 |title=Metropolitan and Micropolitan Statistical Areas |accessdate=19 March 2008 |work= }}</ref> For U.S. housing subsidies, households are categorized by federal law as follows:<ref name="titlePublic Housing/Section 8 Income Limits for FY 1999">{{cite web |url=http://www.huduser.org/datasets/il/fmr99/sect82.html |title=Public Housing/Section 8 Income Limits for FY 1999 |accessdate=19 March 2008 |work=| archiveurl= https://web.archive.org/web/20080403175343/http://www.huduser.org/DATASETS/il/fmr99/sect82.html| archivedate= 3 April 2008 | deadurl= no}}</ref> * Moderate income households earn between 80% and 120% of AMI. * [[Low income households]] earn between 50% and 80% of AMI. * Very low income households earn no more than 50% of AMI. Some states and cities in the United States operate a variety of affordable housing programs, including supportive housing programs, transitional housing programs and rent subsidies as part of public assistance programs. Local and state governments can adapt these income limits when administering local affordable housing programs; however, U.S. federal programs must adhere to the definitions above. For the Section 8 voucher program, the maximum household contribution to rent can be as high as 40% gross income.<ref name="titleHousing Choice Vouchers Fact Sheet - HUD">{{cite web |url=http://www.hud.gov/offices/pih/programs/hcv/about/fact_sheet.cfm |title=Housing Choice Vouchers Fact Sheet – HUD |accessdate=19 March 2008 |work=| archiveurl= https://web.archive.org/web/20080318204237/http://www.hud.gov/offices/pih/programs/hcv/about/fact_sheet.cfm| archivedate= 18 March 2008 | deadurl= no}}</ref> [[File:median home value2005.png|thumb|300px|right|Distribution of U.S. Median Home Values, 2005{{update inline|date=August 2016}}]] Comprehensive data for the most affordable and least affordable places in the U.S. is published each year by an affordable housing non-profit organization, the National Low Income Housing Coalition.<ref name="titleNLIHC: National Low Income Housing Coalition - Out of Reach 2006">{{cite web |url=http://www.nlihc.org/oor/oor2006/?CFID=26410704&CFTOKEN=24486575 |title=NLIHC: National Low Income Housing Coalition – Out of Reach 2006 |accessdate=19 March 2008 |work=}}</ref> The NLIHC promotes a guideline of 30% of household income as the upper limit of affordability. According to a 2012 National Low Income Housing Coalition report, in every community across the United States "rents are unaffordable to full-time working people."<ref name="nlihc2012"> {{cite report |author=National Low Income Housing Coalition |title=Out of Reach 2012: America's Forgotten Housing Crisis |date=13 March 2012 }} </ref> However, by using an indicator, such as the Median Multiple indicator<ref name="Demographia2012a">{{cite report |title = 8th Annual Demographia International Housing Affordability Survey: 2012 Ratings for Metropolitan Markets|year = 2012|author1 = Wendell Cox|author2 = Hugh Pavletich|page = 1}} </ref> which rates affordability of housing by dividing the median house price by gross [before tax] annual median household income), without considering the extreme disparities between the incomes of [[high-net-worth individual]] (HNWI) and those in the lower quintiles, a distorted picture of real affordability is created. Using this indicator—which rates housing affordability on a scale of 0 to 5, with categories 3 and under affordable—in 2012, the United States overall market was considered 3 (affordable).<ref name="Demographia2012"> {{cite report |title=8th Annual Demographia International Housing Affordability Survey: 2012 Ratings for Metropolitan Markets |year=2012 |author1=Wendell Cox |author2=Hugh Pavletich |page=16 }} </ref> Since 1996, while incomes in the upper quintile increased, incomes in the lower quintile households decreased creating negative outcomes in housing affordability.<ref name="MatlackVigdor2006"> {{cite report |title=Do Rising Tides Lift All Prices? Income Inequality and Housing Affordability |author1=Janna L. Matlack |author2=Jacob L. Vigdor |number=NBER Working Paper No. 12331 |date=June 2006 |url=http://www.nber.org/papers/w12331.pdf |format=PDF |publisher=National Bureau of Economic Research (NBER) |location=Cambridge, MA |accessdate=6 June 2012 |page=1 }} </ref> Before the [[real estate bubble]] of 2007, the median household paid $658 per month in total housing costs (Census 2002).<ref name="AHS">Table 1A-7: Financial Characteristics All Housing Units{{cite web |url=http://www.census.gov/prod/2002pubs/h150-01.pdf |title=American Housing Survey for the United States: 2001 |accessdate=19 March 2008 |work=}}</ref> A total of 20% of households were deemed to be living in unaffordable housing: Nine percent of all households are renters in unaffordable housing,<ref name="NLIHCrenter">Calculated as percentage of renter households multiplied by percentage of renter households that are burdened by housing costs in excess of 30%{{cite web |url=http://www2398.ssldomain.com/nlihc/doc/lalihdrenterreport.pdf |title=Renter Households Data |accessdate=19 March 2008 |work=}}</ref> and eleven percent of all households are homeowners with high housing costs.<ref name="NLIHCowner">Calculated as percentage of owner-occupied households multiplied by percentage with a mortgage multiplied by percentage of those with a mortgage who are burdened by housing costs in excess of 30%.{{cite web |url=http://www2398.ssldomain.com/nlihc/doc/lalihdownerreport.pdf |title=Owner Households Data |accessdate=19 March 2008 |work=}}</ref> In the 2000 U.S. Census, the median homeowner with a mortgage (70% of homeowners and 48% of census respondents) spent $1,088 each month, or 21.7% of household income, on housing costs.<ref name="titleUnited States - QT-H15. Mortgage Status and Selected Monthly Owner Costs:2000">{{cite web |url=http://factfinder.census.gov/servlet/QTTable?_bm=y&-geo_id=01000US&-qr_name=DEC_2000_SF3_U_QTH15&-ds_name=DEC_2000_SF3_U&-redoLog=false |title=United States – QT-H15. Mortgage Status and Selected Monthly Owner Costs:2000 |accessdate=19 March 2008 |work=}}</ref> The median homeowner without a mortgage (30% of all homeowners (80% of elderly homeowners) and 20% of respondents) spent $295 per month, or 10.5% of household income, on housing costs.<ref name="titleUnited States - QT-H15. Mortgage Status and Selected Monthly Owner Costs:2000"/> Renters in 2001 (32% of respondents) spent $633 each month, or 29% of household income, on housing costs.<ref name="titleAmerican Housing Survey - Frequently Asked Questions">{{cite web |url=http://www.census.gov/hhes/www/housing/ahs/ahsfaq.html |title=American Housing Survey – Frequently Asked Questions |accessdate=19 March 2008 |work=}}</ref> Governmental and quasi-governmental agencies that contribute to the work of ensuring the existence of a steady supply of affordable housing in the United States are the U.S. [[Department of Housing and Urban Development]] (HUD), USDA [[Rural Development]], the [[Federal Home Loan Bank]], [[Fannie Mae]], and [[Freddie Mac]]. [http://housingpartnership.net/about-us/ Housing Partnership Network] is an umbrella organization of 100+ housing and community development nonprofits. Important private sector institutions worth consulting are the [[National Association of Home Builders]], the National Affordable Housing Management Association (NAHMA), the Council for Affordable and Rural Housing (CARH) and the [[National Association of Realtors]]. Valuable research institutions with staff dedicated to the analysis of "affordable housing" includes: The [[Center for Housing Policy]], [[Brookings Institution]], the [[Urban Institute]] and the [[Joint Center for Housing Studies]] at [[Harvard University]] and the [[Furman Center for Real Estate and Urban Policy]] at [[New York University]], and the [[Center on Budget and Policy Priorities]]. Several of these institutions (the Fannie Mae Foundation, Urban Institute, Brookings Institution Metropolitan Policy Program, Enterprise Community Partners, LISC, the Harvard Joint Center for Housing Studies, and others)<ref>[http://www.knowledgeplex.org/partners.html Partners]</ref> partnered to create [http://www.knowledgeplex.org/ KnowledgePlex], an online information resource devoted to affordable housing and community development issues. ====New York City==== {{See also|New York City Department of Housing Preservation and Development}} {{Unbalanced section|date=June 2012|reason=The section currently uses loaded terminology and maintains a consistent opinion that New York City suffers from an affordable housing problem, which contradicts WP:NPOV. Since affordable housing is generally a controversial issue, more opinions are needed from groups that oppose current affordable housing policy. }} [[New York City]] suffers from a shortage of affordable housing. New York City is a highly desirable place to live, attracting thousands of new residents each year, and faces water and public transportation constraints. As a result, housing prices continue to climb. Finding affordable housing in New York City is a struggle for a large portion of the city’s population including low-income, moderate-income, and even median income families.<ref name="Subsidized Housing 2011">[http://furmancenter.org/files/publications/SHIPReportFinal.pdf "State of New York City’s Subsidized Housing: 2011."] New York: [[Furman Center for Real Estate and Urban Policy]], The Institute for Affordable Housing.</ref> Since 1970, income has remained stagnant while rent has nearly doubled for [[Demographics of New York|New Yorkers]].<ref name="Subsidized Housing 2011"/> Consequently, 48.7% of householders spend more than 30% of their income on rent.<ref name="Subsidized Housing 2011"/> Several federal and state initiatives have targeted this problem, but have failed to provide enough affordable, inclusive, and sustainable housing for New York City residents. New York City continues to be a racially and economically segregated city. While the poverty rate for White-Non Hispanics is below the national average at 11.0%, the poverty rate for minority groups is significantly higher. The poverty rate for African Americans is 20.8% and the poverty rate for Asians is 18.1%.<ref name="ReferenceA">"State of New York City’s Housing and Neighborhoods 2010." New York: Furman Center for Real Estate and Urban Policy- New York University.</ref> The poverty rate for Hispanics is the highest at 28.1% of the population.<ref name="ReferenceA"/> Historically, public housing was assigned by race and ethnicity and neighborhoods in New York still remain segregated.<ref name="Vicki Been 2010">[[Vicki Been]] et al. (2010). [http://furmancenter.org/research/publication/building-environmentally-sustainable-communities-a-framework-for-inclu "Building Environmentally Sustainable Communities: A Framework for Inclusivity."] New York and Washington, DC: What Works Collaborative.</ref> More than 60% of White-Non Hispanics live in areas characterized as having high access to economic opportunities with low transit accessibility.<ref name="Vicki Been 2010"/> In contrast, more Hispanics, African Americans, and Asians live in areas that are transit accessible but have low opportunity.<ref name="Vicki Been 2010"/> Similarly, most of the federally subsidized housing in New York City tends to be located in areas that are transit accessible, but lack access to stable jobs and educational opportunities.<ref name="Vicki Been 2010"/> Sustainability is a large portion of what constitutes a neighborhood’s overall feel. Sustainable housing characteristics include green building techniques that promote energy efficiency, successful recycling practices, and the walkability of a neighborhood.<ref name="Vicki Been 2010"/> Affordable housing in New York City tends to be highly walkable, with easy access to public transit. However, green building practices are eschewed in affordable housing with the belief that the upfront costs are too expensive.<ref name="Vicki Been 2010"/> One of the primary characteristics of neighborhoods with concentrated affordable housing in New York City is a lack of access to economic opportunities.<ref name="Vicki Been 2010"/> The neighborhoods that have the highest concentration of public housing also fall into the category of the neighborhoods that have the lowest number of locally employed residents.<ref name="Subsidized Housing 2011"/> These neighborhoods fail to provide quality schools and stable jobs. Scholars have coined this idea as the "uneven geography of opportunity."<ref name="Deborah L. McKoy 2011">Deborah L. McKoy et al. (2011). [http://www.issuelab.org/resource/opportunity_rich_schools_and_sustainable_communities_seven_steps_to_align_high_quality_education_with_innovations_in_city_and_metropolitan_planning_and_development "Opportunity-Rich Schools and Sustainable Communities: Seven Steps to Align High Quality Education with Innovations in City and Metropolitan Planning and Development."] Berkeley, CA: Center for Cities and Schools, [[IssueLab]].</ref> Residents of concentrated low- income communities are more likely to lead a life with poor outcomes including bad health, unstable low wages, and achieving below average levels of education.4 One of the primary causes of this is that these communities and residents are disconnected from the resources more affluent neighboring communities may have, such as better schools and job opportunities.<ref name="Deborah L. McKoy 2011"/> The issue of affordable housing concerns New Yorkers as a community overall, with more than 90% believing that everyone has a right to shelter. With the recent recession and increasing housing costs, it is not surprising that more than 30% of New York City residents fear they may one day be homeless.<ref>Ana Maria Arumi et al. (2007). [http://www.wings.issuelab.org/resource/compassion_concern_and_conflicted_feelings_new_yorkers_on_homelessness_and_housing "Compassion, Concern, and Conflicted Feelings: New Yorkers on Homelessness and Housing."] New York: Public Agenda.</ref> Affordable housing is a major urban problem facing New York City. Poverty concentrated neighborhoods tend to have poor quality housing stock, higher crime rates, higher dropout rates, and inadequate access to economic opportunities.<ref name="Deborah L. McKoy 2011"/> For residents earning below the 50% median income, only 18% of all rental units and just 4% of market rate rental units were considered affordable in 2009.<ref name="Subsidized Housing 2011"/> New York City must address its declining amount of affordable housing as well as increase its sustainability and access to opportunity. Ultimately, politicians and policymakers must determine the most optimal policy solution to the affordable housing problem in New York City. Part of this process includes educating the public, homeowners, business owners, and other stakeholders about the true costs and outcomes of affordable housing. Many of these groups base their views on unfounded fears. In reality, affordable housing actually serves to revitalize neighborhoods. Older, blighted buildings are torn down or renovated to create new structures that architecturally match the neighborhood. This brings in stable residents, builds the neighborhood, and works to revitalize the area.<ref>Jessica Fuir. (2012). [http://furmancenter.org/files/media/2-18-12_MHN_Interview__NYUs_Furman_Centers_Surprising_Data_on_Subsidized_Housing___Multi-Housing_News_Online.pdf "MHN Interview: NYU’s Furman Center’s Surprising Data on Subsidized Housing."] [[Multi-Housing News Online]].</ref> Additionally, the general public perceives environmentally friendly construction in affordable housing to have significantly higher up-front costs and little return on investment. However, the average building premium for an environmentally sustainable affordable housing development is just 2.4% more than standard development costs. Sustainable development in affordable houses also results in lower operational costs and utility bills, better air quality, and an overall improvement in health.<ref>{{cite journal | url=http://www.nyujlpp.org/wp-content/uploads/2012/10/Burke-Nelson-Rickerson-Bostons-Green-Affordable-Housing-Program.pdf |accessdate=September 16, 2016| title=Boston’s Green Affordable Housing Program: Challenges and Opportunities | author=Patricia Burke et al. | journal=[[New York University Journal of Legislation and Public Policy]] | year=2007 | volume=11 | issue=1}}</ref> During his first term, [[Mayor Bloomberg]] successfully introduced and later expanded the New Housing Marketplace Plan, an innovative plan to create 165,000 units of affordable housing by 2013. In his prior post as the Commissioner of [[New York City Department of Housing Preservation and Development]], [[U.S. Department of Housing and Urban Development Secretary]], [[Shaun Donovan]] worked to implement this initiative, the largest affordable housing plan for a city in U.S. history. Donovan also started his work to promote affordable housing that is sustainable and accessible to economic opportunities during his tenure working for New York City. Since 2000, the median monthly rent has risen by 18% while median wage rates have not changed.<ref name="Subsidized Housing 2011"/> Additionally, despite the economic recession and downturn in housing prices recently, in 2010 only 6% of home sales were affordable to New Yorkers earning the median income.<ref name="Subsidized Housing 2011"/> Criteria: Key criteria in evaluating policy alternatives for affordable housing in New York City include effectiveness, political feasibility and economic feasibility. To be considered affordable housing, rent must not exceed 30% of residents' income.<ref name="Subsidized Housing 2011"/> In creating or maintaining affordable units, an alternative must also provide sustainable housing with access to economic opportunities. Affordable housing units should be within reasonable walking distance to public transportation, maximize residents’ opportunity for quality education and employment opportunities and maximize use of sustainable building elements. Affordable housing has inherent costs that come with it in addition to construction and maintenance costs. Depending on where alternatives plan to situate affordable housing units, communities may be revitalized or destabilized. While revitalized communities would see increasing property values and additional businesses, creating jobs, destabilized neighborhoods might experience increasing crime and lowering property values. In terms of market outcomes, the chosen alternative for affordable housing should work to stabilize and revitalize neighborhoods. One of the key differences in the alternatives is whether the alternative is based on federal or local support. Many alternatives rely on federal funding in the form of grants or other resources to provide affordable housing. Full support of the federal government is necessary if an alternative is based on federal funding. Additionally, public opinion regarding affordable housing impacts the decision of politicians. Politicians and policy makers must work to educate the public on the potential results of affordable housing alternatives and garner support. Politicians must also balance the interests of powerful market developers who might oppose policies promoting sustainable affordable housing that might drive up costs of development. The selected alternative should have widespread support to ensure it is carried out swiftly and as intended. In 2016 Mayor [[Bill De Blasio]] introduced mandatory-inclusionary zoning which requires 30% of all new construction units to be affordable.<ref>{{cite news| title=Mayor Bill de Blasio’s Affordable Housing Plan Faces Roadblocks |url=https://www.wsj.com/articles/mayor-bill-de-blasios-affordable-housing-plan-faces-roadblocks-1458946840|work=[[Wall Street Journal]]| author=Josh Dawsey|date=March 25, 2016|accessdate=September 16, 2016}}</ref> Some policy alternatives for consideration regarding affordable housing in New York City include: {| class="wikitable" |- ! Header text !! Status Quo !! Inclusionary Zoning !! Choice Neighborhoods Initiative !! Housing Vouchers |- | Effectiveness || Fair- growth efforts are steady || Good-will rapidly increase growth of affordable housing, can promote access to economic opportunities and sustainability || Fair- enables people to continue living in the same neighborhood, encourages economic development and can implement sustainable practices. Growth of affordable housing may be slow || Good- provides immediate growth of affordable housing, access to economic opportunities, and sustainable housing |- | Political feasibility || Good- minimal opposition || Fair- may face opposition || Fair- local and federal government community development goals currently align but my change. Competition between neighborhoods may be fierce. || Fair- may face opposition, "NIMBY” |- | Economic feasibility || Good- budget is already approved || Very good- does not cost more || Very good- utilizes outside money to invest and revitalize neighborhoods || Fair- long term expenditure |- | Evaluation || Fair- Good || Good || Fair- Good || Fair |} ==== Status quo ==== The status quo analyzes current affordable housing policy against the criteria to see if it aligns with the objective. Current policy is determined by Mayor De Blasio, the New York City Housing Authority, and the New York City Department of Housing Preservation and Development.<ref name="Subsidized Housing 2011"/> It provides for the creation and preservation of affordable housing through a mix of funding sources and means, including Federal Housing Authority and HUD financing and insurance programs, HUD project based rental assistance, New York State and New York City's Mitchell Lama program, and low income housing tax credits.<ref name="Subsidized Housing 2011"/> ==== Inclusionary Zoning ==== Inclusionary zoning is a technique to develop diverse [[mixed-income housing]]. These laws would require that a set percentage of units in each new or markably renovated building be used for affordable housing.<ref name="Zoning Affordable Housing Program 2012">"Inclusionary Zoning Affordable Housing Program." The Department of Housing and Community Development of the District of Columbia. Web. 29 February 2012.</ref> In exchange, developers receive a 'bonus density,' allowing them to build more units than would normally be allowed. Inclusionary zoning seeks to promote mixed income communities and equitable growth for all residents.<ref name="Zoning Affordable Housing Program 2012"/> ==== Choice Neighborhoods Initiative ==== The Choice Neighborhoods Initiative is a program sponsored by the U.S. Department of Housing and Urban Planning.<ref name="Vicki Been 2010"/> It represents the idea of investing more into low to moderate income neighborhoods, seeking to bring economic revitalization to the area. The goal of this initiative is to bring economic opportunities to areas that already have a high concentration affordable housing and have access to public transportation.<ref name="Vicki Been 2010"/> Neighborhoods with a high concentration of public housing can compete for funding for urban revitalization. Neighborhoods submit proposals strategizing the use of funding to create lasting results that improve the quality of life in the area.<ref name="Vicki Been 2010"/> This funding is targeted for demolition and to create new housing and developments, but can also be used to invest in schools, infrastructure, and commercial developments.<ref name="Vicki Been 2010"/> ==== Housing Vouchers ==== Housing vouchers are provided to low-income residents to pay to private landlords to supplement rent.<ref name="Vicki Been 2010"/> Residents may pay up to 30% of their income in rent. The difference between this amount and market rate is provided to the landlord through the voucher.<ref name="Vicki Been 2010"/> These vouchers provide increased mobility and choice in location for low-income residents, enabling them to live in areas with increased access to economic opportunities and transportation.<ref name="Vicki Been 2010"/> Along with housing vouchers, it is most effective to provide search assistance and landlord outreach. ==== USDA Home Loan ==== {{Main article|USDA home loan}} The [[USDA]] loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program is intended to help low-income families in rural areas attain financing for home purchases or renovations. These loans, also known as Section 502 loans, have looser credit standards than conventional loans, and may require no down payment. USDA rural home loans are limited homes in rural areas and to home buyers with low or moderate incomes, defined as incomes within 115 percent of the area's median income. Some homes are eligible even if they are not in designated rural areas at the discretion of the USDA.<ref>{{cite web|title=USDA Home Loans|url=http://www.totalmortgage.com/usda-home-loans.asp|publisher=Total Mortgage Services|accessdate=25 January 2013}}</ref><ref>{{cite web|title=Guaranteed Housing Loans|url=http://www.rurdev.usda.gov/HAD-Guaranteed_Housing_Loans.html|publisher=United States Department of Agriculture|accessdate=25 January 2013}}</ref> == See also == * [[Non-profit housing]] * [[Public housing]] * [[Subsidized housing]] ==References== {{Reflist|30em}} == External links == * [https://web.archive.org/web/20091028082800/http://www.gcastrategies.com/booksandarticles/139/the-ethics-of-housing-and-nimbyism/ "The Ethics of Housing and NIMBYism"] by Debra Stein * [http://www.ashiro.ca ''Rental places''] ===Canada=== *[https://thetyee.ca/News/2008/12/19/StopGapHousing/ The Tyee Article] Stop Gap Housing in Canada *[http://www.ctv.ca/servlet/ArticleNews/story/CTVNews/20080130/housing_affordable_080130/20080130?hub=TopStories Canadian affordable housing 1980s–2006], editorial article by ''Canadian Architect'' magazine editor Ian Chodikoff. Retrieved 8 March 2007. *Friedman, A., [https://www.mcgill.ca/architecture/files/architecture/2014_published_books.pdf Homes Within Reach: A Guide to the Planning, Design and Construction of Affordable Homes and Communities], John Wiley & Sons Inc., New Jersey, 2005 ===United Kingdom=== * [http://www.york.ac.uk/res/ukhr/ ''UK Housing Review''], University of York, England. *{{cite journal |last=Minford |first=Patrick |last2=Ashton |first2=Paul |last3=Peel |first3=Michael |jstor=2662977 |title=The Effects of Housing Distortions on Unemployment |journal=Oxford Economic Papers |volume=40 |issue=2 |year=1988 |pages=322–345 |publisher=Oxford University Press }} The authors study the effect of rent subsidies in England on mobility and unemployment. *{{cite journal |vauthors=Mulliner E, Maliene V |title=Austerity and reform to affordable housing policy |journal=Journal of Housing and the Built Environment |volume=28 |issue= 2 |pages= 397–407 |year= 2013 |doi= 10.1007/s10901-012-9305-6 }} *{{cite journal |vauthors=Mulliner E, Smallbone K, Maliene V |title=An assessment of sustainable housing affordability using a multiple criteria decision making method |journal=Omega |volume=41 |issue= 2 |pages= 270–79 |year= 2013 |doi= 10.1016/j.omega.2012.05.002 }} *{{cite journal |vauthors=Maliene V, Howe J, Malys N |title=Sustainable communities: affordable housing and socio-economic relations |journal=Local Economy |volume=23 |issue= 4 |pages= 267–76 |year= 2008 |doi= 10.1080/02690940802407989 }} *{{cite journal |vauthors=Maliene V, Malys N |title=High-quality housing—a key issue in delivering sustainable communities |journal=Building and Environment |volume=44 |issue= 2 |pages= 426–30 |year= 2009 | doi= 10.1016/j.buildenv.2008.04.004}} * {{cite web |url=http://www.communities.gov.uk/publications/housing/deliveringaffordablehousing |title=Good practice and guidance, Reports and summaries |author=Government of the UK |date=29 November 2009 |number=06HC04260 |accessdate=8 December 2011 }} ===United States=== *{{cite book |last=Schwartz |first=Alex F. |url=https://books.google.com/books?id=ana_ODyDbH0C&printsec=frontcover |title=Housing Policy in the United States: An Introduction |publisher=CRC Press |year=2006 |isbn=0-415-95031-7 }} * [http://www.carh.org United States Council for Affordable and Rural Housing] * [http://usdahomeloanprogram.com/usda-home-loan-eligibility/200-income-eligibility-calculator USDA Home Loan Income Eligibility Calculator] *{{cite web |url=http://www.citymayors.com/society/housing_usa.html |format=.html |title=Affordable housing crisis casts a shadow over the American Dream |author=Tony Favro, Tony |publisher=City Mayors Society |date=20 January 2007 |accessdate=15 December 2011}} * von Hoffman, Alexander, [https://web.archive.org/web/20091013090058/http://www.jchs.harvard.edu/publications/governmentprograms/w09-3_von_hoffman.pdf "Let Us Continue: Housing Policy in the Great Society, Part One"], Joint Center for Housing Studies, Harvard University, April 2009 * [https://web.archive.org/web/20110719095136/http://www.jchs.harvard.edu/publications/rental/rh08_americas_rental_housing/index.html "America's Rental Housing: The Key to a Balanced National Policy"], Joint Center for Housing Studies, Harvard University, 2007 (archived 2011) *{{cite journal |author=Winnick, Louis |url=http://www.huduser.org/periodicals/cityscpe/vol1num3/winnick.pdf |format=PDF |title=The Triumph of Housing Allowance Programs: How a Fundamental Policy Conflict Was Resolved |journal=Cityscape: A Journal of Policy Development and Research |volume=1 |issue=3 |date=September 1995 |publisher=U.S. Department of Housing and Urban Development, Office of Policy Development and Research }} * [http://www.anhd.org/ Association for Neighborhood and Housing Development] <!-- *******DO NOT ADD LINKS UNLESS THEY ARE RELEVANT TO MILLIONS OF PEOPLE IN ALL PARTS OF THE WORLD!******* This is not the place to promote real estate agencies, construction companies, small non-profits or your own city's program. Please post information about your local housing programs on the page for your own local city or county.--> {{DEFAULTSORT:Affordable Housing}} [[Category:Affordable housing| ]] [[Category:Real estate]] [[Category:Community organizing]]'