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Affordable/Workforce Housing Study


Table of Contents

Executive Summary

Introduction: Defining Affordable and Workforce Housing

Chapter 1: Monterey County Housing "Least Affordable in U.S."   

Chapter 2: FORA’s Original Affordable Housing Goals

Chapter 3: Barriers, Opportunities and Strategies

Chapter 4: Models and Examples

Chapter 5: Federal, State, Local and Private Resources

Chapter 6: Findings and Recommendations



Defining Affordable and Workforce Housing

Use of the word "affordable"in reference to housing is imprecise at best. It can be confusing and misleading. It can refer to:

  • Moderately priced dwelling units that families earning 60 to 120 percent of the area median income (AMI) can purchase
  • Public housing for low-income people earning below 50 percent of AMI.
  • Housing that is subsidized through the use of Section 8 vouchers or low-income tax credits, designed for families earning 50 to 60 percent of AMI who cannot afford market rate housing.

Fannie Mae's definition of affordable housing:

  • At least 20% of all units must have restricted rents affordable to

households earning no more than 50% of AMI OR at least 40% of all units have restricted rents affordable to households earning no more than 60% of AMI OR there is a compelling public purpose "namely continued affordability" which if furthered by the property.

Urban Land Institute's definition of workforce housing:

  • Affordable to households of low, moderate and above moderate income in a range of 60 -120% of AMI

Housing Land Trust Fund of San Francisco Bay definition of workforce housing:

  • Housing that is affordable to private and public sector workers with incomes at or below that of teachers and public safety workers.

In this report, affordable housing refers to mixed income housing development that includes all income categories: very low, low, moderate, above moderate and market rate housing. Workforce housing refers to mixed income housing that excludes very low income households.

Affordable vs. Workforce Semantics

Objections to affordable housing are not limited to very low income housing. Proposed housing for households at 50 or 60 percent of median income draw critics as well. To counter such objections, the term"work-force housing" is often used to convey that it is working families that are being served, not people on public assistance.

Affordable Housing: Subsidy or Social Equity?

One of the gravest difficulties in producing affordable housing is that the demand for housing assistance in the U.S. outstrips federal and state funding by three to one. One reason for the limited funding is a lack of general public support for low-income housing programs. In comparison, housing subsidies for middle- and upper-income families in the form of deductions for mortgage interest, property taxes and capital gains enjoy broad support. These deductions total about $2.5 billion in reduced tax revenues, or roughly three times the budget for the U.S. Department of Housing and Urban Development. (HUD).

(Source: Millennial Housing Commission, 2002, Table 8).

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LandWatch's mission is to protect Monterey County's future by addressing climate change, community health, and social inequities in housing and infrastructure. By encouraging greater public participation in planning, we connect people to government, address human needs and inspire conservation of natural resources.



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