The work that provided the basis for this publication was supported by funding under an award with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of HUD.
This blog post was originally posted by American Public Health Association.
Author: Tia Taylor Williams, Director of APHA’s Center for Public Health Policy
The COVID-19 pandemic has brought more attention to the field of public health. Every day, people are seeing and hearing from epidemiologists, clinicians, laboratory scientists, researchers and more. While the spotlight is on the field, we should seize this moment to bring national attention to our greatest imperative: reducing health disparities and advancing health equity.
The public health field has an opportunity to shape the discourse about COVID-19 inequities to ensure that the root causes of the problem are acknowledged and addressed within, and well beyond, the pandemic.
As calls for race and ethnicity data in COVID-19 morbidity and mortality are heeded, we’re learning more about the communities and populations being disproportionately impacted. The prevalence of preexisting conditions — such as hypertension, diabetes, obesity and cardiovascular disease — among people who are dying from COVID-19 is also being emphasized.
As public health professionals, we know these same chronic conditions plagued low-income and communities of color at alarmingly high rates for decades before the current pandemic. We also know that these health disparities are the result of years of intentional disinvestment in communities. Lack of access to basic services, living wage jobs and affordable quality housing, education and health care are all veiled by a system that assigns value and structures opportunity based on how a person looks, i.e., racism.
At the same time, we know that as a country we are reluctant to understand, acknowledge and address how America’s legacy of racism, discrimination and exploitation has created present-day conditions of racially segregated and under-resourced neighborhoods.
If history is a predictor, as the pandemic persists and more data are collected, our suspicions about who is being hit hardest will be further substantiated. We can also expect that there will be many different arguments used to downplay or detract from the real issues.
As health equity champions, we have to be ready to redirect those diversions. By applying an equity lens, we can shift the narrative to focus on the root causes of COVID-19 disparities:
At a time when family resources are dwindling and being spread even thinner, we must avoid finger-pointing and placing the blame on the behaviors of individuals in marginalized communities. We know racism is a driving force for the social, economic and environmental conditions, i.e., social determinants that influence health. For example, black and Hispanic communities have higher rates of exposure to air pollution, which has recently been associated with increased risk of COVID-19 death.
We are public health. Social justice is in our roots. We look upstream to identify the causes of the causes. It is critical, during the pandemic and after, that we bring attention and action to addressing systemic and structural factors that shape who has power, where and how people live and, ultimately, what access and opportunities they have for good health.
For more on health equity and COVID-19, visit APHA’s COVID-19 and Equity page.
Photo by William Iven on Unsplash
Listen to this Areaprobe podcast which details financing affordable housing using grant funding from the Federal Home Loan Bank.
You can also listen to it in segments here:
About the Speaker
Megan Krider started working at the Federal Home Loan Bank of Pittsburgh in 2013 in the Community Investment Department and now serves as Manager, Affordable Housing and Community Development. In this position, Megan has the responsibility of managing the Affordable Housing Program which has supplied more than $263 million in efforts to support affordable housing development. Additionally, by managing the Bank’s Blueprint Communities® initiative, Megan has been able to support community development and the capacity building for communities. Megan received her Bachelor of Arts in Communications from John Carroll University as well as a Master of Public Management from Carnegie Mellon University.
(left to right) Gustavo Velasquez of Urban Institute, Ernst Valery of SAA | EVI and Nicky Goren of Meyer Foundation discuss the causes and consequences of redlining at HAND’s Annual Meeting & Housing Expo.
On the heels of HAND’s Annual Meeting & Housing Expo, the team under the How Housing Matters Initiative at Urban Institute was inspired to author a piece reflecting on some of the policy changes that would be needed to address issues of housing discrimination and equity. An excerpt from the piece titled, “Rethink Housing and Community Development to Advance Racial Equity and Inclusion” is as follows:
In the US, descriptions of housing affordability challenges and differences in wealth, health, and education need to include a racial equity lens, or the picture is incomplete. Legally authorized and mandated housing discrimination through federal lending and investment policies laid the cornerstone of complex socio-spatial issues that historically segregated communities continue to face. Many of the inequities within and between neighborhoods, particularly in large metropolitan areas, trace their roots to redlining.
Such discriminatory lending practices have left a legacy of disinvestment predominately in black and brown communities. Although the Community Reinvestment Act of 1977 sought to undo forced inequalities within neighborhoods by creating strong incentives for positive investment activity, the ramifications of housing segregation and economic exclusion will take additional policy attention to address…
…Meaningful and inclusive community revitalization can break down some of the barriers instituted through disinvestment and discrimination. This can be done through equitable development, but it requires intentional engagement and community input. Community development corporations (CDCs) and community land trusts (CLTs) have facilitated this engagement. While CDCs and CLTs usually have residents on their boards, CDC leadership often does not represent those they serve, which can leave residents feeling disengaged.
At the annual meeting of HAND, a membership organization for housing providers in Maryland, Virginia, and Washington, DC, Ernst Valery, founder and president of EVI Equity, addressed this challenge. He said, “We think so much about renovating the building, we need to also renovate the people.” EVI purchased Essex Village, an apartment complex in Henrico County, Virginia, that was far from providing its residents with a platform for success in life; according to Valery, it has been deemed the county’s worst apartment complex. EVI and the property manager CAPREIT quickly formed a tenants’ association to ensure that Essex Village residents were involved early in the planning process. Residents expressed excitement that the new owners wanted to hear their voices and to collaborate on creating lasting change in the housing development. When tenants are offered a seat at the table, they are eager to get involved, but developers need to provide the space to be heard.
You can read the article in full here.
Photo courtesy of Scott Lewis
By Lisa A. Sturtevant, PhD
In the aftermath of the recession and housing market downturn, residential construction activity has been increasingly fairly steadily. However, the pace of new housing construction remains below long-term levels and the types and prices/rents of new housing being produced does not sufficiently meet demand. As demand for home ownership increases, the population of younger renters grows more slowly, and the number of lower-wage workers expands in the region, there is a great need for lower-priced home ownership opportunities and apartments and other rental homes with lower rents.
Some key findings from the residential permit data released from the U.S. Census Bureau:
Residential construction activities to grow steadily but still remains below long term levels regionwide. Over January through November of last year, there were about 22,000 permits issued for the construction of new residential housing units. The 2016 residential permitting activity included 4,321 building permits in the District of Columbia, 5,806 building permits in Suburban Maryland, and 11,739 building permits in Northern Virginia. Residential permitting activity in the region has been increasing steadily since 2009, but remains below the 2000-2016 annual average (~25,000), suggesting that new home construction has not been sufficient to meet the demands associated with population growth.
[Figure 1]
One-fifth of the residential construction activity in the region was in the District of Columbia in 2016. While residential construction activity has increased throughout the region, the District of Columbia still accounts for one-fifth of new permits. About a quarter of the permits were for housing in Suburban Maryland and a little over half were in Northern Virginia. By contrast, before the recession, only about five percent of permits for new residential units in the Washington DC region were in the District of Columbia. The District’s share of new permits has slipped slightly, to 20 percent in 2016 from 23 percent in 2015.
[Figure 2]
Multi-family construction remains strong though new single-family construction is on the rise. In 2016, 44 percent of permits for new residential construction in the Washington DC region were for multi-family units, including nearly all (93 percent) of the permits in DC, 35 percent in Northern Virginia and 28 percent in Suburban Maryland. Historically, over the past 16 years, about 38 percent of permits in the region were for multi-family units so the current share remains higher than average. However, over the past two years, the share of multi-family units has declined somewhat, generally because of a slight decline in the share of permits issued in DC.
[Figure 3]
Home prices and rents in the Washington DC region continue to climb. Recent data from MRIS have shown that home prices in the metropolitan area have now matched the record high set during the housing market boom. The median sales price in December 2016 was $410,100, slightly higher than the previous record high price of $408,000 in 2014. As typical, there is wide variation in home prices throughout the region that reflects location as well as home types. For example, in the District of Columbia, the median sales price was $550,000. In Fairfax County the median home price was $470,000 and in Prince George’s County was $265,000.
Rents have also been on the rise, and new multi-family construction has skewed substantially towards luxury, higher-rent apartments. Even as concessions at new apartment buildings have increased, rents in buildings, particularly in DC and in the closer-in suburbs, are often only affordable to very high-income renters. According the 2015 American Community Survey data, the median rent in DC was $1,417 in 2015; however, the median rent for units built in 2014 and 2015 was $2,334. A household would need an income of more than $93,000 in order to afford the median rent in a new apartment building in the city.
Homelessness remains an intractable problem in the District of Columbia. Even as new residential construction increases, there remains insufficient housing affordable to all residents in the region. A recent survey by the U.S. Conference of Mayors found that Washington DC has the highest rate of homelessness among the nation’s 32 largest cities. The ability for the region to expand the housing supply will depend not only on land use and zoning changes that encourage more housing, but also policies that promote the development of housing for our region’s most vulnerable residents.
By Lisa A. Sturtevant, PhD
Nearly 400,000 renter households in the Washington DC region—about half of all renters—are cost burdened, spending 30 percent or more of their income on housing costs. For many individuals and families paying high housing costs can mean there is too little for other essentials, such as food and health care. In the Washington DC area, more than 12,000 homeless individuals were identified in this year’s point-in-time homelessness count, though we know the number of people without stable housing is much higher. Despite the efforts of countless housing advocates, non-profits, and local governments, the housing affordability challenges in the DC region continue to grow. What can local jurisdictions do to stem the rising affordability challenges?
Housing is a growing concern in the region. According to data from the U.S. Census Bureau, in 2000, about 220,000 renter households in the Washington DC metropolitan area were cost burdened. In 2015, that number had grown to about 380,000, an increase of 160,000 households. In 2000, 33.2 percent of renters were cost burdened. In 2015, that share was 48.5 percent. The overall number of cost burdened renters has increased in jurisdictions throughout the region. For example, there were about 25,600 more cost burdened renters in DC in 2015 than there were in 2000. In Montgomery County, the number of cost burden renters grew by more than 31,000 over the 15-year period between 2000 and 2015. Fairfax County added 24,200 new cost burdened renter households over the same period.
These increases are not because local jurisdictions have ignored the problem. Just in the last few years, DC has dedicated $100 million to its Housing Production Trust Fund. Montgomery County has increased efforts to use public land for affordable housing. The City of Alexandria continues to look for opportunities to partner with developers to expand mixed-income housing. Fairfax County has made housing affordability a key component of its Strategic Plan to Facilitate Economic Success. Arlington County is working to adopt at Notice of Funding Availability (NOFA) process to more efficiently and effectively allocate local housing resources.
But, as the cost burden numbers show, it hasn’t been enough. And things probably are not going to get easer in 2017. Even without specific affordable housing proposals, the new Presidential administration could weaken key Federal programs that local jurisdictions have come to count on for the production and preservation of housing affordable to lower-income individuals and families.
Tax reform. No specific proposals have been discussed by the incoming Trump administration related to the Low-Income Housing Tax Credit (LIHTC) program. It seems very unlikely that the credit itself will be eliminated since there is generally broad bipartisan support for the program. However, there has been a lot of talk about the likelihood of tax reform under the new Trump administration. Some affordable housing finance experts have suggested that there could be “substantial” indirect effects of proposed tax reforms on the LIHTC, making the tax credit less valuable to investors. Reduced capacity of the LIHTC could mean a growing need for local resources to fill financing gaps and to make projects feasible.
Cuts in Nondefense Spending. President-elect Trump has indicated that he intends to cut nondefense spending, at one time saying he wanted cuts of one percent every year. This would mean cuts to key HUD programs that serve some of the lowest-income and most vulnerable individuals and families in our communities—programs like the Housing Choice Voucher Program and CDBG and HOME. Historically a target of cuts, these programs could be at significant risk under a President who has indicated little interest in supporting HUD programs. Even now, federal housing programs currently serve only about a quarter of eligible households. Reductions in federal funding would means that local jurisdictions will lose critical resources to support a wide range of housing and community development programs and the losses would disproportionately impact the lowest-income and potentially the most vulnerable households.
Rising housing challenges and declining federal resources are not new phenomena; local jurisdictions have been taking on increasingly active roles in housing policies and funding for decades. However, in 2017, the role for local action on housing will be even more critical in our region. What can local jurisdictions to do differently to move the needle?
Communication is key:
Make the case. Throughout our communities we need to continue to make the case for why housing is important. And there is not just one argument. Whether it’s because increasing housing supply is good for the local economy. Or that education and health outcomes are better for families with access to safe and affordable housing. Or that poor children who live in higher-opportunity neighborhoods go on to make more money—any pay more taxes—than those left behind.
Document the need. At the local level, it is important not only to quantify housing needs in the community, but also to relate those numbers to actual people. Combining hard data with descriptions of hypothetical—or real—individuals and families is important for demonstrating the need.
Explain how housing finance works. Make sure that the community understands why government is necessary when it comes to building housing affordable to lower-income households. Tools like the Urban Institute’s affordable housing simulator can help show in black and white that gap that often needs to be filled by public resources.
Communication can be hard but other important steps are even harder:
Prioritize housing. Public resources are limited and local jurisdictions have competing demands on those resources. In general, however, local communities have not been explicit about prioritizing housing, and then about prioritizing particular goals within housing programs and policies. Prioritization—linked to specified and dedicated funding sources—seems especially important to having an impact.
Innovate on the funding side. To meet housing needs when federal resources are on the decline, it is going to be necessary to identify new sources of funding. Local jurisdictions need to commit to looking for innovative funding sources and partners.
DC: Despite minimum wage being $15 it would take 88 hours per week to afford a two-bedroom rental at fair market rent.
Maryland: An individual making minimum wage ($11) would have to work 102 hours per week to afford the same size home.
Virginia: An individual earning minimum wage ($7.25) would have to work 130 hours per week to afford the same size home.
This data coupled with the impacts of COVID-19 highlights the severity of the region’s housing affordability crisis. The added economic pressures stemming from the pandemic led to massive layoffs, furloughs and decreased work hours, putting millions of families at risk of eviction and ultimately homelessness. Further, we know that these co-occurring crises disproportionately impact communities of color, who were already more likely to receive substandard healthcare and lack access to basic services, living wage jobs and affordable housing.
As an activator of changemakers that collaborate in the preservation and development of communities where all can live and thrive, HAND envisions a region where everyone shares equitably in the knowledge, wealth and resources uniquely represented in and between Baltimore, Washington and Richmond. It is our responsibility – all of us across sectors and jurisdictions lines – to ensure that individuals and families at every income level can take advantage of all that the Capital Region has to offer.
The My Right, My Fight campaign (MRMF) brings voices to the growing housing affordability challenge – from community development professionals working to create housing opportunities; and from community members who are on the verge of displacement. These stories chronicle a diverse community united by a common theme: their right to stay and our fight to ensure they stay. The goal is to take a step back from housing as we know it – from units and square feet to the humans behind each home. Stories and imagery from MRMF will be featured on our website and via a PSA campaign across the region on WMATA Metrorail, buses and stations. Can we count on you to tell your story?
We invite you to share your stories with us, so that the campaign embodies the region’s rich diversity and experiences. To get started, complete the form below. Once received, the HAND Team will be in touch to schedule a date/time to capture photo and/or video to accompany your story.
ARE YOU A COMMUNITY MEMBER?
We want to hear why it’s your right to live here in the region, in safe, decent, affordable housing. Do you have roots here? Are there more professional opportunities than other cities? Has housing affordability been a challenge for you? If you were pushed out of your home, what would that mean for you and your family? What would it mean for you to live AND thrive here? Word limit: 400 words
ARE YOU A COMMUNITY DEVELOPMENT PROFESSIONAL?
We need to hear why you work for residents to have safe, decent, affordable housing. What drives you? Why is this work so important to you? Word limit: 400 words
