Development of an Index of Subsidized Housing Availability and its Relationship to Housing Insecurity

Housing insecurity is a known threat to child health understanding predictors of housing insecurity can help inform policies to protect the health of young children in low-income households. This study sheds light on the relationship between housing insecurity and availability of housing that is affordable to low-income households.

We developed a county-level index of availability of subsidized housing needed to meet the demand of low-income households. Our results estimate that if subsidized units are made available to an additional 5% of the eligible population, the odds of overcrowding decrease by 26% and the odds of families making multiple moves decrease by 31%. Both of these are known predictors of poor child health outcomes. Thus, these results suggest that state and federal investments in expanding the stock of subsidized housing could reduce housing insecurity and thereby also improve the health and well-being of young children, including their families' food security status.     

Shelter Poverty in Ohio: An Alternative Analysis of Rental Housing Affordability

ABSTRACT

In the United States, housing is most commonly considered unaffordable when a household spends more than 30% of income on housing and utilities. Although easy to calculate, it fails to account for how other categories of essential expenses affect income available to spend on housing. This article compares the ratio-based approach with shelter poverty, a measure that accounts for these elements, evaluating differences in results between the two methods among renters in Ohio. Shelter poverty identifies a higher rate of households in economic distress due to housing market conditions. Further, the average “affordability gap” is four times higher using the shelter poverty than with the 30% threshold. Relative to shelter poverty, the ratio method underestimates the unaffordability of rental housing in economically distressed areas, as measured by median household income, and modestly overestimates it in high-income areas.     

Neo-liberal biopolitics and the invention of chronic homelessness

Abstract

This article explores the emergence of neo-liberal housing policy and programmes in the United States, focusing in particular on the rise of social service initiatives targeting what is known as ‘chronic homelessness’. These initiatives are notable for the ways in which they privilege long-vilified populations for immediate placement into housing with no social or medical services required. While this represents a significant break from social service protocols that previously demanded compliance with service requirements, the article argues that understanding chronic homelessness initiatives as economic rather than social programmes reveals the ways in which they enable the reproduction of the same neo-liberal conditions that produce housing insecurity and deprivation. The article concludes by reframing housing issues in terms of racial subordination, which suggests that, in the neo-liberal context, social abandonment and economic investment may persist side by side.     

Why Low-Income Households Become Unstably Housed: Evidence From the Panel Study of Income Dynamics

ABSTRACT

Because of a severe shortage of affordable housing in the United States, an increasing number of low-income households suffer from housing instability. However, little evidence exists as to why they experienced housing instability, although they were stably housed at other times. By applying hybrid models to the Panel Study of Income Dynamics data, this study estimates the effects of potential household-level predictors on the likelihood of experiencing housing instability. The results show that changes in family employment structure, job insecurity, automobile ownership, and the number of adult family members within a household correlate with housing instability after controlling for changes in household income and housing costs. Moreover, I find that households with children are particularly vulnerable to housing instability. These results contribute to identifying valid household-level predictors of housing instability and developing preventive policy interventions that help unsubsidized low-income households achieve housing stability.     

The transportation-credit mortgage: a post-mortem

Abstract

Over the past decade, public housing has become the nation's “housing of last resort.” This article examines the emergence of this social role and describes the conditions of resident economic and social distress that have accompanied it. In this context, the article also evaluates the problem assessment and recommendations of the National Commission on Severely Distressed Public Housing, which released its final report in August 1992. This evaluation is used as the basis for proposing a new social role for public housing defined around the concept of social capital.

The commission correctly identified concentrations of resident distress, such as high proportions of extremely poor and female‐headed families, as a major problem facing distressed public housing. However, the recommendations of the commission were much less satisfying. Rather than confronting directly the tenant selection policies that have produced these aggregations of resident distress, the commission held to an unrealistic optimism that social services and economic development initiatives could relieve these conditions. For changes in public housing tenant selection policies to occur, an alternative social role for public housing must be defined. Under this alternative role, a primary objective of the public housing program would be to give residents access to social capital. Such an approach would ensure that families of the working poor are integrated with the nonworking poor in public housing developments, thereby fostering those sinews of community connection and trust the essential features of social capital and the sources of hope and opportunity.     

Living up to the normative ideal of the human right to adequate housing in urban Ghana

This article constructs a holistic narrative on the right to adequate housing in Ghana by piecing together the fragmented literature on the various dimensions of the right using the traditional “qualitative” approach to literature review. Results of the thematically synthesized literature reveal that housing rights in urban Ghana pale empirically in comparison to its normative tenets. The right is violated in all its dimensions, ranging from high insecurity of tenure to the cultural unsuitability of many high-rise dwellings. Major causes identified include the normative framing of slums as illegitimate, defunct and unenforced rental legislation, poor integration of modern and vernacular housing designs, and poor justiciability of the right within the domestic legal system. The situation in Ghana mirrors those in other countries across the globe—however, with local peculiarities—and points to why empirical work on the right within diverse sociopolitical contexts is necessary.     

Is homelessness a housing problem?

Abstract

Homeless people have been found to exhibit high levels of personal disability (mental illness, substance abuse), extreme degrees of social estrangement, and deep poverty. Each of these conditions poses unique housing problems, which are discussed here. In the 1980s, the number of poor people has increased and the supply of low‐income housing has dwindled; these trends provide the background against which the homelessness problem has unfolded. Homelessness is indeed a housing problem, first and foremost, but the characteristics of the homeless are such as to make their housing problems atypical.     

A new look at creative finance

Abstract

In his seminal work, Stegman contended that creative finance is an inefficient means of financing low‐income housing production. As evidence, he cited the high transaction costs associated with the complex financing structures that make a low‐income housing development feasible. In this article, we extend Stegman's work by examining the impacts of creative finance over time. We rely on data gathered as part of an evaluation of 36 housing developments sponsored by nonprofits.

The data indicate that most of the developments in our study remained financially viable in part because of their reliance on creative finance. We find evidence supporting three positive impacts of creative finance: the establishment of long‐term partnerships, the increased community acceptance of low‐income housing developments, and the improved technical skills of organization staff. We also find that none of the long‐term negative impacts are inherent in creative finance and offer four suggestions on minimizing them.     

Creating an enabling environment for housing: Recent reforms in Mexico

Abstract

A recent World Bank policy statement on housing advocates the reform of government policies, institutions, and regulations to enable housing markets to work more efficiently. The policy statement identifies several instruments that governments can use to address housing market constraints, and to improve the performance of the housing sector as a whole, while paying particular attention to the needs of the poor.

In recent years, the government of Mexico has employed many of the enabling instruments described in the World Bank's housing policy statement. This article reviews the role of housing in the Mexican economy and the major reforms that the Mexican government has implemented to improve the operation of the housing market so that private lenders and home builders can play an expanded role in addressing the country's housing needs. The World Bank has supported the government's reform program, and since 1985 it has lent more than $1.2 billion to Mexico for low‐income housing projects.     

Urban commons and freedom of movement The housing struggles of recently arrived migrants in Rome

ABSTRACT

The arrival of migrants on Italian coasts following the so-called Arab Spring in 2011 has led to a multiplication of housing struggles. These struggles are widespread across the country and focus on the occupation of abandoned buildings and their transformation into collective housing spaces to provide an alternative to the formal reception system. This article will focus on the housing struggles in Rome, as the place with the highest number of occupations and the longest tradition of campaigns for the right to housing of migrants in the country. These struggles are the outcome of the encounter of recently arrived migrants with local solidarity movements and build on existing occupation movements and housing struggles. The article explores how the mobilizations over the right to housing intersect with issues such as the social appropriation of urban commons, the regeneration from below of unused areas, freedom of movement, and the contestation of Italian government policies on the relocation of migrants and refugees. The paper argues that housing struggles not only appropriate and regenerate urban commons, but also challenge the reception governance of migration and the policies of border control.     

Housing Subsidies and Early Childhood Development: A Comprehensive Review of Policies and Demonstration Projects

ABSTRACT

In this article, we ask how housing subsidies might influence young children. We examine two national housing policies – public housing assistance and the Section 8 vouchers program – and two demonstration projects that aimed to improve the administration of providing housing subsidies – HOPE (Homeownership Opportunities for People Everywhere) VI and Moving to Opportunity. This article is a critical examination of these policies and demonstration projects in relation to the following housing dimensions that promote the healthy development of young children: income supplements residential stability, physical environment, access to services and amenities, housing choice, neighborhood safety, and social capital. We compared advantages and limitations of each of these national housing policies and demonstration projects and examined ways in which they might influence children in these housing dimensions. The article concludes with implications and future research directions for U.S. housing policy by discussing its most recent U.S. Department of Housing and Urban Development (HUD) initiative, Rental Assistance Demonstration, in addressing limitations of housing policies and demonstration projects we examined.     

The decline of older,inner suburbs in metropolitan America

Abstract

This article develops an index of suburban decline for 3,428 U.S. suburbs. The results of this index were used to measure the prevalence and extent of decline for older, inner suburbs and newer suburbs across the nation and in different regions from 1980 to 2000. The general pattern is one of decline in selected older, inner suburbs, especially those with housing built between 1950 and 1969 and those with increasing minority populations.

Regional analysis reveals that the South and the Midwest had the highest proportion of older, inner suburbs in crisis. Suburbs with housing built before 1939 emerged as areas of continuing affluence.     

Neighborhood change and the city of New York's ten‐year housing plan

Abstract

This article examines neighborhood changes associated with New York City's Ten‐Year Plan—the largest municipal housing program in the United States. We examine indicators of change, in the context of two possible hypotheses about the program's impact: (1) neighborhood revitalization, including improved physical and housing market conditions, as well as gentrification, and (2) the concentration of poor and welfare‐dependent households, as well as the possibility of residential segregation by race or ethnicity.

Our results present a mixed picture, with some evidence favoring both hypotheses, especially when parts of the city, particularly the South Bronx, are examined separately. Specifically, the program is associated with steep declines in the rate of boarded‐up buildings and some indications of increased home values, as well as rent burdens. However, it is also correlated with increases in maintenance deficiencies and a greater proportion of poor, single‐parent, and welfare‐dependent households, but there is little evidence of accentuated residential segregation.     

The Financial Viability of Housing for Mentally Ill Persons

Abstract

Although persons with serious mental illness experience significant unmet housing needs, basic information on how housing is successfully financed, developed, and operated for them is lacking. It is possible that standard housing rules of thumb may not apply to this population. (For example, community opposition may raise development costs.) This lack of information may be a stumbling block to policy makers, planners, and developers.

This article attempts to close the gap by examining the financial profile of 153 properties developed for persons with serious mental illness by five nonprofit housing corporations between 1988 and 1992. Our analysis suggests that although this housing may require more management attention, it is not fundamentally different from market‐rate housing for low‐income tenants. After more than 10 years, the nonprofit housing developers continue to thrive, and virtually all of the properties continue to serve persons with mental illness, demonstrating that such housing can be successfully developed and operated.     

Preservation of existing housing: A key element in a revitalized national housing policy

Abstract

A key aspect of the continuing housing policy debate is how best to spend limited resources to aid the poor. Recently, the policy has focused on whether it is more effective to intervene on the supply side via provision of a voucher or rental certificate that enables a low‐income household to secure decent housing in the private market.

This paper argues that preserving and maintaining the affordability of the remaining stock of unsubsidized low‐cost housing will require a skillful balancing of supply‐and demand‐side interventions. Exclusive reliance on vouchers will not do the job, especially since large segments of the poor do not receive any form of housing assistance. Flexible programs to expand the purchasing power of poverty‐level households must be developed.     

Homeless families,singles, and others: Findings from the 1996 national survey of homeless assistance providers and clients

Abstract

The first question people typically ask about homelessness is, “How many people are homeless?” After that, questions usually turn to characteristics: “What are they like?” Basic demographic characteristics such as sex, age, family status, and race have always been of interest, in part because the homeless population appears to be very different from the general public and even from most poor people who are housed with respect to these characteristics. Often, because these differences are so dramatic, demographic characteristics are overinterpreted as representing the reasons for homelessness.

But as various studies have documented, most demographic factors quickly disappear as proximate causes when other factors representing personal vulnerabilities are available for examination. The underlying causes of homelessness, the structural conditions of housing and labor markets that turn vulnerabilities into loss of housing, do not lie within individuals at all and are thus difficult to include in analyses based on individual data.     

A new measure of housing affordability: Estimates and analytical results

Abstract

Affordable housing has often been described in terms of rent burden or owner cost burden. This article introduces the concept of housing‐induced poverty to describe the situation that arises when a household, after paying for housing, cannot afford the poverty basket of nonhousing goods. This is similar to Stone's shelter poverty concept, except that it is linked to a better‐known measure—the official poverty thresholds.

On the basis of the 1999 American Housing Survey, it is estimated that 3.8 million households that were above the official thresholds could not afford the poverty basket of nonhousing goods. In 1999, the housing‐induced poverty rate in the United States was 2.7 percentage points higher than the official rate. Results from an analytical model reveal that regional and locational variables are significant determinants of the probability of housing‐induced poverty. Housing assistance significantly decreases the probability that near‐poor renters will fall into housing‐induced poverty.     

Do Shrinking Cities Allow Redevelopment Without Displacement? An Analysis of Affordability Based on Housing and Transportation Costs for Redeveloping,Declining, and Stable Neighborhoods

Abstract

Plans and policies to combat or mitigate gentrification typically pursue affordable housing production and preservation as the primary mechanism to avoid displacement. However, it is unclear whether affordable housing financing mechanisms function as designed in weak market cities. As such, we question whether the housing-only approach is a complete one and whether increased transportation investments in redeveloping neighborhoods in shrinking cities can be leveraged to improve the lives of the poor. Our results suggest that funding for subsidized housing does not produce units affordable to the poor in declining cities, limiting the efficacy of a housing-only approach. Furthermore, we find that transportation costs make up a larger proportion of household budgets among families living in declining neighborhoods. These results suggest that transportation improvements—particularly those aimed at bicycling and pedestrian accessibility—may be the most efficient approach to mitigating displacement and improving quality of life for low-income households in shrinking cities.     

Social capital and the revitalization of New York City's distressed inner‐city housing

Abstract

This article presents evidence that social capital can be an effective component of locally sponsored low‐income housing programs. It provides a model for measuring social capital at the building level, where it may be most effective in improving housing quality and security. The study compares five programs in New York City that house the city's poorest, mostly minority residents. The surveys from 487 buildings in Brooklyn, NY, were analyzed to compare the success of programs in maintaining and revitalizing landlord‐abandoned buildings taken by the city in lieu of taxes.

Results of the analysis demonstrate that the positive effects of tenant ownership were largely mediated by the higher levels of social capital found in these buildings. These levels have implications for the survival and economic advancement of poor households and civic participation in poor communities. The study suggests the value of alternative homeownership programs.