Adopted June 22, 2010City of <strong>Carbondale</strong>Percent of MedianFamily Incomemortgage.Table 4.3Housing AffordabilityMedian FamilyIncomeAffordableMortgage Payment180% $90,880.20 $2,272150% $75,733.50 $1,893130% $65,635.70 $1,641100% $50,400.00 $1,26280% $40,391.20 $1,01050% $25,244.50 $63130% $15,146.70 $379Housing affordability is generally defined in several ways. A widely used standarddeveloped by the Department of Housing and Urban Development (HUD) statesthat a family or household can afford to spend 30 percent of its income on housing.This percentage leaves a sufficient amount of income for other essential householdneeds. Households who pay more than 30 percent of their income for housingare described as “cost burdened.” According to the 2008 US Census AmericanCommunity Survey, approximately 71 percent of <strong>Carbondale</strong>’s renting householdspaid more than 30 percent of their income for rent, and 20 percent of the owneroccupiedhouseholdspaid more than 30percent of their monthlyincome for a mortgage. Inthe <strong>Carbondale</strong> area, themedian family incomein 2008 was $50,489. Forhousing to be consideredaffordable to a familyearning the medianincome, housing costscould not exceed $1,262in a month regardless ofthe type or terms of theAt a glance, <strong>Carbondale</strong> is relatively affordable when comparing the median familyincome and the median priced home. This basic theory is clear in the affordabilitylevels examined in Table 4.3, Housing Affordability, which breaks down monthlyhousing costs. However, newly constructed homes, at any level of quality, maycost more than the median priced existing home and may be beyond reach for themedian income family in <strong>Carbondale</strong>. Therefore, the level of housing affordabilityis much less when new construction is involved and even further constricted asnew lending limits are enacted. Although the mortgage issues are nationwide andthe lack of new workforce housing is constrained in <strong>Carbondale</strong>, the end result is amultiplier of impacts that cut into the ability to buy a home. As explained in Figure4.10, Housing Options, this situation can result in potential homebuyers seekinghousing options elsewhere.Evaluating median household incomes in Map 4.5, Median Household Incomeby Block Group, indicates that income only loosely corresponds with the otherhousing indicators (vacancy, tenure, and age). A very similar area denoted as thezero to 20 percent ownership rate on the ‘Housing Tenure’ map also has the lowestmedian household income range of $0 to $10,000 per year. This, in accordance withhousing tenure, as well, is largely due to the college campus being located withinthe center of the city. While the core neighborhoods that are closest to the city centerand SIU campus are the ones that maintain the lowest incomes, there appears tobe an east/west divide in income. Areas east of the railroad have generally lowermedian incomes in comparison to the west, as the eastern areas average between$10,000 and $40,000 per year, while the western neighborhoods average $20,000 to$60,000 per year.4.14Strategy 1: Provide housing options and assistance aimed at a variety of incomelevels and household age groups, both now and in the future.Chapter Four
Adopted June 22, 2010Rationale:In short, affordable housing options lead to a higherquality of life for the community. In general, as moreaffordable housing options are supplied, a greaternumber of residents are able to live in <strong>Carbondale</strong> andwork nearby. In addition to the distress it causes familieswho cannot easily find a place to live, lack of affordablehousing is considered to have negative effects on acommunity’s overall health. The City recognizes the needto ensure that all of <strong>Carbondale</strong>’s residents enjoy accessto quality and affordable housing within livable andattractive environments.Actions and Initiativesa. Continue seeking state grant programs that provideassistance to low-income residents. These fundsare the lifeblood and single source of support formany of the housing programs that exist in the City.Unfortunately, the volatile nature of grant fundingcreates unpredictable program support as illustratedin Table 4.4, History of Housing Programs andFunding Availability.b. Seek to supplement dwindling grant funding forthese low-income housing programs in lean years.Additional revenue will assist to balance irregularitiesin grant funding, but, more importantly, will allowthe City to address more of the housing issues inlow-income target areas. Most funding is statesuppliedand the City financial involvement shouldbe strengthened so that more success can be had inaddressing the backlog of housing and neighborhoodimprovements.c. Continue support for the single-family, owneroccupiedrehabilitation program. Simultaneously,explore ways to boost revenue for this program toexpand its coverage since the program is capped outevery year at about 10 homes. The current fundingFigure 4.10 | HOUSING OPTIONSIncreasing livability extends beyondthe purchasing of an acceptablehouse. Likewise, high housing pricescreate obstacles for low-incomehouseholds and threaten to pushresidents to unsatisfactory housingoptions. Alternatively, there aremany families that will send a spouseto <strong>Carbondale</strong>, but choose to residein a nearby city or in Jackson County.While there may be other forcesat play in that decision, the lack ofhousing options may be cited as acontributing factor. The inability tofind housing locally poses a hardshipfor households seeking an affordablehome and employers seekingemployees.structure relies on competitive grant funds awarded through IDHA andDCEO, which are then administered through the City. Target areas and incomerequirements limit the households that are eligible, but demand outstripssupply each year. The most recent HUD income qualification guidelines (80percent of the median household income), for instance, set the level at $43,450for a family of four.d. Support mixed use developments through the establishment of a Tax IncrementFinancing (TIF) district that can make infrastructure improvements aspreparation for residential and non-residential development. TIF districts serveto bridge the gap between a project that would otherwise be infeasible due tocost, but also fulfills City goals of providing additional housing and revitalizinga particular area. Since the TIF district seeks to build development that conformsto the City’s higher goals, it allows for negotiation as to the price and form of<strong>Comprehensive</strong> <strong>Plan</strong>4.15Housing & Neighborhoods
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