2010-2014 Consolidated Plan - City of Champaign

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Needs of Small Related Homeowners (less than four members)There are approximately 12,000 small related families in the City of Champaign, of which 5,699 are below80% of the Median Family Income level. About 4,000 of those are low-income homeowners. More than40% of extremely low-income homeowners report some type of housing problem.Needs of Large Related Homeowners (five or more members)There are approximately 700 large related families in the City of Champaign, of which 34 percent reportsome type of housing problem.All Other (Non-Elderly)Of the 2,901 households in this category, approximately 24 percent are extremely low-income, with morethan half reporting some type of housing problem.Minority HouseholdsAccording to the 2000 data, extremely low-income Hispanic, and black non-Hispanic households areexperiencing housing problems to a greater extent than white non-Hispanic households. The datafluctuates among the different racial/ethnic groups as incomes increase. Elderly black non-Hispanichomeowners and non-elderly Hispanic homeowners with incomes less than 30% MFI indicate a 100%occurrence of housing problems.HUD considers racial groups to have a disproportionate housing need if their incidence of housingproblems is 10% higher than the percentage of persons in the income category as a whole. Based onthe information in the previous tables, Hispanic owners with incomes below 30% MFI and blackhomeowners with incomes between 30-50% MFI have disproportionate housing needs.A fairly recent occurrence which impacts the housing market is the rise of immigration. There are 14,389persons who were born outside of the United States living in Champaign County according to 2000Census, of which 6,564 settled after 1995. The rising number of immigrants in Champaign County shouldbe considered in planning to meet both current and future housing needs. The decade from 1990-2000saw the largest increase in the local immigrant population, with numbers rising each year. From 1990 to2000, while the population of the City of Champaign increased by 6%, the Asian population living in theCity grew by 77%. The number of individuals defining themselves as Hispanic also increased significantlyin 2000. However, due to the revised definition of Hispanic used in the 2000 Census, it is impossible todetermine the exact increase by comparing to prior Census figures.Demand for the City’s housing rehab programs has historically been high among black, non-Hispanicowners and very low among Hispanic and Asian owners. Over the last four years, the City’s housingrehab assistance programs served households representing 45% white, 53% black, and 2% other. Muchof the reason for this disproportionate demand from black homeowners may be due to the fact thatminority applicants are denied for private home improvement financing at higher rates than non-minorityapplicants, regardless of income. In a study conducted by a University of Illinois graduate student in2004 using Home Mortgage Disclosure Act (HMDA 2001) data for Champaign-Urbana as well as the Cityof Champaign Analysis of Impediments to Fair Housing (2007), minority applicants for home purchaseand home improvement loans were shown to have higher denial rates than non-minority borrowers. Thispattern exists among all income groups. For all racial groups, credit history is the number one reason fordenial of home improvement loans.This data highlights the need for continued scrutiny of local lending methods, and a more proactiveinvestigation of fair housing practices. High rates of denial for poor credit indicate that there isinsufficient effort being made to educate the public about the importance of debt management.Needs Assessment: Housing and Homelessness 25
The City will renew its marketing efforts to ensure that all minority homeowners, particularly theunderserved Asian and Hispanic populations, are aware of the federally funded housing rehab assistanceprograms available to low- and moderate-income households.Housing Needs: RentersThe percentage of renters in the City of Champaign has increased slightly according to U.S. Census data.In 1990, there were 12,577 renter households, representing 52% of total households. In 2000, thatnumber increased to 14,293, representing 53% of total households. The next chart shows the breakdownof renter households by income category.Figure 3-1: Income Breakdown of Renter Households, 1990-2000Renter Households by Income 1990Renter Households by Income 2000Extremely Low Income(0 to 30% MFI)Extremely Low Income(0 to 30% MFI)Low Income (31 to 50%MFI)Low Income (31 to 50%MFI)Moderate Income (51%to 80% MFI)Middle Income (> 80%MFI)Moderate Income (51%to 80% MFI)Middle Income (> 80%MFI)Source: HUD CHAS Tables, U.S. CensusBased on this income comparison, it appears that renters incomes are decreasing slightly, compared tothe area median. The percentage of extremely low income renters is up by approximately 2%, while themiddle income group is down by nearly the same percentage.Needs of Renters: By IncomeThe following paragraphs refer to information provided in the table shown below.Table 3-3: Housing Problems of Owners, by Race/Ethnicity & Income, City of Champaign, 2000HomeownersWhite, non- Black, non- HispanicYear 2000HispanicHispanicHousehold Income 0 to 30% MFI 345 160 10% with any housing problem 78% 88% 100%Household income 31% to 50% MFI 585 130 4% with any housing problem 51% 69% 0%Other Low-income (51% to 80%) 1510 285 59% with any housing problem 37% 30% 32%Moderate income (81% to 95% MFI) 8410 745 105% with any housing problem 5% 4% 14%Total Households 10850 1320 178% with any housing problem 14% 26% 25%Source: HUD CHAS Tables, U.S. Census 200026 Needs Assessment: Housing and Homelessness
Page 1 and 2: 2010-2014Consolidated Plan2010/11 A
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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 and 36: • Additional affordable or subsid
Page 37 and 38: 2014 Consolidated Plan and will be
Page 39: Because the cost of homeownership i
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
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4) Employer Assisted Housing: Explo
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housing units are located. The City
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successful. These supportive servic
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3) Accessible New Construction: Pro
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3) Prevention Education: Reduce the
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Strategies:a) Maintain the safety a
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) Support programs that provide hig
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Activities:1) Neighborhood Small Gr
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The information collected through t
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addressing blighted properties owne
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Non-Housing Community Development A
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America Saves is designed to reinfo
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The Neighborhood Services Departmen
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Homeowner Investment X NetHOME inve
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impacts the housing market in terms
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FY 2010/11 AAP Chapter 3:Affordable
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) Improve the condition of rental p
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) Reduce other blighting influences
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with Champaign County Regional Plan
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Habitat for Humanity chapter to ide
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Inputs: $10,000 per lot is availabl
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service providers facilitate an eff
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make existing affordable units acce
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Objectives:a) Coordinate public and
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FY 2010/11 AAP Chapter 4:Non-Housin
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approximately 4,900 persons, over 5
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128 FY 2010/11 Annual Action Plan:
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Objectives:a) Support programs to e
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School Resource Officer Program: Fo
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associations registered with the Ci
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FY 2010/11 AAP Chapter 6:HUD CPMP P
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FY 2010/11 AAP Chapter 5:FY 2010/11
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L M HA c c o m p l . T y p e :I n c
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L M HA c c o m p l . T y p e :I m p
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L M HA c c o m p l . T y p e :I m p
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L M CA c c o m p l . T y p e :I m p
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N o t A p p l i c a b l eA c c o m
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Appendix AConsultation/Participatio
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Appendix B 167
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• Clear floor space (18” minimu
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Laundry Areas• Front loading wash
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Appendix DCity Approved Visitabilit
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Exception: This does not apply to p
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Cost Burden, Extreme (or Severe): T
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friction surfaces, or impact servic
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SRO: Single-Room Occupancy.Subsidiz
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Appendix FCitizen Participation Pla
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E. PUBLIC HEARINGSDuring the Consol
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- Submission of objections within 3
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-- The development of the Consolida
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Neighborhood Services DepartmentNei
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Kerri stated it needs to be under c
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longer be considered a pilot progra
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CHAMPAIGN CITY COUNCILRegular Counc
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AUDIENCE PARTICIPATION:Firefighter
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Appendix HAnti-DisplacementFOR Comm
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SECTION ISTEPS TO BE TAKEN TO MINIM
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SECTION IISTEPS TO BE TAKEN WHEN LO
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moderate income households that are
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SECTION IIISTEPS TO BE TAKEN WHEN C
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1. The lessor of the monthly cost o
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displacement, stating who will be r
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funding the project, or the displac
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Appendix AGLOSSARY OF TERMSBelow ar
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project is subject to the Uniform A
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Appendix BAPPEALSThe City of Champa
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Appendix COne for One Replacement P
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Appendix IHUD CPMP Needs Worksheets
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Table 1BSpecial Needs (Non-Homeless
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Table 2APriority Housing Needs/Inve
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Table 2BPriority NeedAcquisition of
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Housing Inventory Chart: Emergency
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Housing Inventory Chart: Safe Haven
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Housing Inventory Chart: Unmet Need
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2010-2014 Consolidated Plan - City of Champaign

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