2010-2014 Consolidated Plan - City of Champaign

More documents

Recommendations

Info

Chapter 3Needs Assessment: Housing and HomelessnessThe following chapter contains an analysis of affordable housing and homeless needs in the Champaigncommunity. This chapter addresses the HUD Consolidated Plan requirements at 91.205 (housing needs),91.205(b) (homeless needs), 91.210(c) (homeless inventory), 91.205(d) (housing needs of the nonhomelesswith special needs), 91.210(b) (public housing needs), 91.215(g) (residential lead-based paintissues), and 91.210(e) and 91.215(f) (barriers to affordable housing). A discussion of fair housing issuesin Champaign is also presented in this chapter. Strategies to address each of the needs outlined in thischapter are presented in Chapter 5.SECTION 3A: AFFORDABLE HOUSING NEEDSINTRODUCTIONThis section outlines the affordable housing needs of low-income households, in accordance with U.S.Department of Housing and Urban Development (HUD) regulations at 91.205. The findings described inthis section are based on special tabulations of U.S. Census data prepared for HUD. This data wasprovided to the City of Champaign and all local jurisdictions that receive federal funding for housing andneighborhood improvement activities. For HUD purposes, Table 2A in Appendix J provides an estimate ofthe number and type of households with housing needs for the five-year period of this plan.The data is intended to assist communities in analyzing the housing needs of their low- and moderateincomeresidents. The data has been provided for both renter and owner households. It is also brokendown by type and size of household and race/ethnicity of the occupant. The following section providesinformation on the number of households that, according to the Census data, are experiencing housingproblems. HUD defines housing problems as: overcrowding, housing cost burden, and the lack ofcomplete kitchen or plumbing facilities. Overcrowding is defined as a household with more than 1 personper room, excluding baths, kitchens, hallways, and porches. Households that are housing cost burdenedmust pay more than 30% of their incomes for housing costs, either rent/utilities ormortgage/insurance/property taxes. Extremely cost burdened households are paying more than ½ oftheir incomes for housing. The lack of kitchen or plumbing facilities is HUD’s definition for substandardhousing. The City has expanded that definition to include housing units that have been designated aspoor or deteriorated on the Neighborhood Wellness property maintenance exterior survey.Additional information for this section of the plan was gathered through the Neighborhood Wellnessplanning and data collection process. For the original 1991 report, the City identified residential planningareas to facilitate the collection of citywide neighborhood data. These planning areas were classifiedusing community indicators to measure the physical, social, and economic condition of the area. Datasources included the U.S. Census, a land use and building condition survey, township and county records,information on City service calls by department, and a variety of City plans and condition assessments.In addition, public meetings were held in each of the planning areas to identify issues of concern toneighborhood residents. The update of the plan includes an evaluation of progress made by comparingbaseline information collected in 1991 to recent data collected through the same sources. Additionalsources of information, many that were unavailable in the early 1990’s, were also analyzed in the recentupdate to create new baseline information for the future. A map depicting the City’s 25 planning areas isprovided in Appendix B.A third major source of data for this needs assessment was a Housing Needs Survey conducted by theCity of Champaign for the 2005 Consolidated Plan. The survey was made available on the City’s websiteand at all neighborhood meetings and community events. Respondents were asked to provide feedbackon questions relating to personal financial health, the local housing market, barriers to obtainingaffordable housing, and ability to access private funding for home purchase and renovations. Theinformation was compared to data obtained from an identical survey completed in 1999 prior to thecompletion of the last five-year plan. A detailed regional housing needs study is in process for the 2010-Needs Assessment: Housing and Homelessness 21
2014 Consolidated Plan and will be completed after the submission of this Consolidated Plan. Asubstantial amendment to this Plan will incorporate any substantial findings from this updated housingneeds study later in 2010.Key Findings• In 2000, 83% of renters with incomes less than 30% MFI were housing cost burdened, and 78% ofrenters between 31-50% MFI were cost burdened.• Large, related renter households are most heavily impacted by both cost burden and overcrowdedhousing conditions. The cost burden increased more for elderly renter households than for all otherrenter households between 1990 and 2000.• Inflation of renter housing costs outpaced that of incomes. Citywide, between 1990 and 2000,median family income increased 43% while median housing costs for renters increased 59%.Existing rent subsidy programs cannot meet the demand for affordable rental housing.• In the City’s lower income neighborhoods, Planning Areas 1, 2, 4, 7, 8, and 14, incomes rose by 37%between 1990 and 2000, while property values increased 44%, making these neighborhoods lessaffordable for residents over time.• $184,500 was the median purchase price of an existing home in 2003-2004, according to MultipleListing Service (MLS) data. Median price of a newly constructed home was $192,000. Heavy subsidyis needed for households below 50% MFI to achieve homeownership. Down payment assistanceprograms have helped many individuals in the 51-80% MFI range become first-time homebuyers.• 40% of all owner households with incomes below 50% MFI are paying more than 50% of theirincomes on housing expenses.• Data indicates that owning a home became less affordable for the elderly between 1990 and 2000.Cost burden remained about the same for all other owners during that time period.• Homeowners with incomes less than 80% MFI have difficulty securing private financing for homeimprovements. The primary reason for denial is poor credit history.• Private loan approval rates for minority borrowers, for home purchase, home improvement, andhome refinancing are higher than for non-minority borrowers. This is true regardless of income.HOUSING NEEDS ASSESSMENT (91.205)The following table provides a comparison of housing problems for owner/renter households.Table 3-1: CHAS Table, Household by Type, Income and Housing Problems, City of Champaign, 1990-2000Source: HUD CHAS Tables, U.S. Census 1990Renters2000Renters1990Owners2000OwnersLow Income (0 to 50% MFI) 6,793 8,048 1,314 1,320Extremely Low Income (0 to 30% MFI) 4,183 5,074 512 546% with any housing problem 85% 83% 77% 82%% with cost burden > 30% 84% 82% 74% 76%% with cost burden > 50% 73% 74% 44% 58%Low Income (31 to 50% MFI) 2,610 2,974 802 774% with any housing problem 89% 83% 52% 56%% with cost burden > 30% 87% 79% 51% 55%% with cost burden > 50% 36% 26% 17% 27%Moderate Income (51% to 80% MFI) 2,509 2,804 1,581 1,917% with any housing problem 47% 34% 35% 35%% with cost burden > 30% 45% 31% 33% 33%% with cost burden > 50% 11% 2% 6% 6%Middle Income (81% to 95% MFI) 828 3,441 980 9,618% with any housing problem 16% 11% 25% 7%% with cost burden > 30% 14% 5% 22% 4%% with cost burden > 50% 0% .1% 4% .2%22 Needs Assessment: Housing and Homelessness
Page 1 and 2: 2010-2014Consolidated Plan2010/11 A
Page 3: This page intentionally left blank
Page 11 and 12: This page intentionally left blankv
Page 13 and 14: • Provide decent, affordable hous
Page 15 and 16: homeless populations. The City cont
Page 17 and 18: Summary of Citizen ParticipationDat
Page 19 and 20: The City held three public hearings
Page 21 and 22: Chapter 2Housing Market AnalysisCOM
Page 23 and 24: compared to the remainder of the Ci
Page 25 and 26: single parent households increased
Page 27 and 28: Census. The U.S. Census Bureau esti
Page 29 and 30: Table 2-1: Housing Opportunity Inde
Page 31 and 32: All but three planning areas have h
Page 33 and 34: Loan Denial Rates by Race and Incom
Page 35: • Additional affordable or subsid
Page 39 and 40: Because the cost of homeownership i
Page 41 and 42: The City will renew its marketing e
Page 43 and 44: of Champaign programs, are meeting
Page 45 and 46: At incomes of
Page 47 and 48: in the long-term. The City will con
Page 49 and 50: from a disabling condition (usually
Page 51 and 52: Almost all of the agencies that pro
Page 53 and 54: monies to provide housing assistanc
Page 55 and 56: Discharge Coordination PolicyContin
Page 57 and 58: provide structural modifications an
Page 59 and 60: Persons with Developmental Disabili
Page 61 and 62: entering substance abuse treatment
Page 63 and 64: RESTORATION OR REVITALIZATION NEEDS
Page 65 and 66: licensed day care facility, nursery
Page 67 and 68: portion of the workshop is devoted
Page 69 and 70: • 27 playgrounds• 24 outdoor te
Page 71 and 72: Alley ConditionA majority of the Ci
Page 73 and 74: - lack of a multi-year schedule for
Page 75 and 76: Redevelopment Initiatives - Commerc
Page 77 and 78: Job TrainingThe Champaign Consortiu
Page 79 and 80: improving their skills and career o
Page 81 and 82: The development that occurred as a
Page 83 and 84: organizations. The creation of the
Page 85 and 86: non-profits (such as Habitat for Hu
Page 87 and 88:
Activities:1) Targeted Full Home Im
Page 89 and 90:
creation and preservation of afford
Page 91 and 92:
4) Employer Assisted Housing: Explo
Page 93 and 94:
housing units are located. The City
Page 95 and 96:
successful. These supportive servic
Page 97 and 98:
3) Accessible New Construction: Pro
Page 99 and 100:
3) Prevention Education: Reduce the
Page 101 and 102:
Strategies:a) Maintain the safety a
Page 103 and 104:
) Support programs that provide hig
Page 105 and 106:
Activities:1) Neighborhood Small Gr
Page 107 and 108:
The information collected through t
Page 109 and 110:
addressing blighted properties owne
Page 111 and 112:
Non-Housing Community Development A
Page 113 and 114:
America Saves is designed to reinfo
Page 115 and 116:
The Neighborhood Services Departmen
Page 117 and 118:
Homeowner Investment X NetHOME inve
Page 119 and 120:
impacts the housing market in terms
Page 121 and 122:
FY 2010/11 AAP Chapter 3:Affordable
Page 123 and 124:
) Improve the condition of rental p
Page 125 and 126:
) Reduce other blighting influences
Page 127 and 128:
with Champaign County Regional Plan
Page 129 and 130:
Habitat for Humanity chapter to ide
Page 131 and 132:
Inputs: $10,000 per lot is availabl
Page 133 and 134:
service providers facilitate an eff
Page 135 and 136:
make existing affordable units acce
Page 137 and 138:
Objectives:a) Coordinate public and
Page 139 and 140:
FY 2010/11 AAP Chapter 4:Non-Housin
Page 141 and 142:
approximately 4,900 persons, over 5
Page 143 and 144:
128 FY 2010/11 Annual Action Plan:
Page 145 and 146:
Objectives:a) Support programs to e
Page 147 and 148:
School Resource Officer Program: Fo
Page 149 and 150:
associations registered with the Ci
Page 151 and 152:
FY 2010/11 AAP Chapter 6:HUD CPMP P
Page 153 and 154:
FY 2010/11 AAP Chapter 5:FY 2010/11
Page 155 and 156:
L M HA c c o m p l . T y p e :I n c
Page 157 and 158:
L M HA c c o m p l . T y p e :I m p
Page 159 and 160:
Page 161 and 162:
L M HA c c o m p l . T y p e :I m p
Page 163 and 164:
Page 165 and 166:
L M CA c c o m p l . T y p e :I m p
Page 167 and 168:
N o t A p p l i c a b l eA c c o m
Page 180 and 181:
Appendix AConsultation/Participatio
Page 182 and 183:
Appendix B 167
Page 184 and 185:
• Clear floor space (18” minimu
Page 186 and 187:
Laundry Areas• Front loading wash
Page 188 and 189:
Appendix DCity Approved Visitabilit
Page 190 and 191:
Exception: This does not apply to p
Page 192 and 193:
Cost Burden, Extreme (or Severe): T
Page 194 and 195:
friction surfaces, or impact servic
Page 196 and 197:
SRO: Single-Room Occupancy.Subsidiz
Page 198 and 199:
Appendix FCitizen Participation Pla
Page 200 and 201:
E. PUBLIC HEARINGSDuring the Consol
Page 202 and 203:
- Submission of objections within 3
Page 204 and 205:
-- The development of the Consolida
Page 206 and 207:
Neighborhood Services DepartmentNei
Page 208 and 209:
Kerri stated it needs to be under c
Page 210 and 211:
longer be considered a pilot progra
Page 212 and 213:
CHAMPAIGN CITY COUNCILRegular Counc
Page 214 and 215:
AUDIENCE PARTICIPATION:Firefighter
Page 216 and 217:
Appendix HAnti-DisplacementFOR Comm
Page 218 and 219:
SECTION ISTEPS TO BE TAKEN TO MINIM
Page 220 and 221:
SECTION IISTEPS TO BE TAKEN WHEN LO
Page 222 and 223:
moderate income households that are
Page 224 and 225:
SECTION IIISTEPS TO BE TAKEN WHEN C
Page 226 and 227:
1. The lessor of the monthly cost o
Page 228 and 229:
displacement, stating who will be r
Page 230 and 231:
funding the project, or the displac
Page 232 and 233:
Appendix AGLOSSARY OF TERMSBelow ar
Page 234 and 235:
project is subject to the Uniform A
Page 236 and 237:
Appendix BAPPEALSThe City of Champa
Page 238 and 239:
Appendix COne for One Replacement P
Page 240 and 241:
Appendix IHUD CPMP Needs Worksheets
Page 242 and 243:
Table 1BSpecial Needs (Non-Homeless
Page 244 and 245:
Table 2APriority Housing Needs/Inve
Page 246 and 247:
Table 2BPriority NeedAcquisition of
Page 248 and 249:
Housing Inventory Chart: Emergency
Page 250 and 251:
Housing Inventory Chart: Safe Haven
Page 252:
Housing Inventory Chart: Unmet Need
show all

2010-2014 Consolidated Plan - City of Champaign

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?