OHFA Annual Plan - Ohio Housing Finance Agency

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Workgroup #6:Rural and Appalachian RegionsWorkgroup Members:Barbara Conover, Three Rivers HousingDon Corley, WDOS CACFred Deel, Governor’s Office of AppalachiaJoe Gage, Buckeye Hills AAAPatty Griffiths, Fayette Co. CACRalph Kline, Ironton-Lawrence CAOJeff Woda, CRHDOGerald Arnott, USDA Rural DevelopmentOHFA Staff:Ed WylieDawn LarzelereMeeting History:August 7, 2008September 4, 2008October 1, 2008Executive SummaryHousing Need Description and its Urgency to Ohio:• The ability of residents in rural and Appalachian Ohio to find quality affordablehousing is constrained by numerous factors such as: a smaller and aging population,inconsistent and/or inappropriate regulatory restrictions, stagnant economic growth, jobloss, substandard existing housing stock, lack of accessible sites (visitability, resourcesfor aid to residents, transportation and other support services), infrastructure andcapacity for development.Met Housing Needs:• The Ohio Department of Development prepares an annual Consolidated Plan required byHUD for programs undertaken in conjunction with HUD funding.• The “Resource Inventory” identifies the various housing programs OHFA has to serveOhioans.• The “Resource Inventory” identifies other federal, state, and statewide programsavailable for housing in the rural and Appalachian regions of Ohio.90
Unmet Housing Needs:• Due to the unique development needs of rural and Appalachian Ohio as described in the“Housing Need Description,” there is a lack of affordable housing in these regions. Theattached “Unmet Needs” will list those considered to be the most urgent.Best Practices, Policies, and Programs:These include programs offered by OHFA, ODOD, USDA Rural Development, the HousingAssistance Council, and the Federal Home Loan Bank. A more detailed description of theseprograms is listed in the “Best Practices, Policies & Programs” section.Recommendations for OHFA’s Annual Plan Advisory Board:• There needs to be priority emphasis on concentrated community development due tothe high cost of infrastructure and development in rural areas.• Preservation of housing units that provide a payment subsidy must be a priority sincethese cannot be replaced and the need is great.Housing NeedWhile the focus of this SME workgroup is to address the housing needs of Ohio’s Rural andAppalachian regions it is important to recognize the diversity within these two areas.For example, Appalachian Ohio is relatively easy to define and identify because of itsgeography. Appalachia is defined as a 200,000-square-mile region that follows the spine ofthe Appalachian Mountains from southern New York to northern Mississippi. It encompassesall or part of 13 states, including Ohio. In Ohio, Appalachia encompasses 29 counties in thesouthern and eastern parts of the state. This portion of Ohio ranks as the poorest economicregion in the state. Rural, on the other hand, is more difficult to identify and agree upon asthere are literally hundreds of definitions. For the purposes of this workgroup however, wedefined Rural Ohio as persons living in villages of less than 2,500 residents or in the opencountry, which is the definition used by the U.S. Census Bureau. Collectively these two areasaccount for nearly 25 percent of the state’s population.The reasons why both areas lack access to affordable housing differ as much as theirdefinitions. In Rural Ohio, there is a lack of existing public infrastructure upon which to buildan economic base which could then support affordable housing. These areas also have asmaller and aging pollution that is spread out across multiple counties in some cases. Thelack of access to basic support services hinders sustained affordable housing efforts as well.In Appalachian Ohio, the issues listed above are relevant as well as the added constraints ofthe lack of suitable terrain to build quality housing and inconsistent rules and regulations,particularly in the area of water and sewer access.Also for so long these areas have not received adequate rehabilitation dollars resulting ina large amount of existing substandard housing stock. Unfortunately much of this housingstock is in such a state of disrepair it cannot be rehabilitated without a major financialcommitment and in some cases even that infusion of cash would not be enough.Lastly, the state of the economy has impacted these areas to a point where it will takedecades to rebuild. Rural and Appalachian Ohio often rely on one large employer to provideits economic base, and if that employer leaves it can decimate the area. Not only does itimpact those employed by that employer but also the suppliers, restaurants, and retailestablishments. In more urban areas, there are often several major employers so while oneleaving provides challenges, other employers remain to help second tier employers as wellas other related businesses.91
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OHFA Annual PlanThe Ohio Housing Fi
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Mission StatementsThe OHFA Annual P
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The State’s Housing NeedsAffordab
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Subject Matter Expert (SME) Workgro
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3. Financial LiteracyOHFA and other
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Affordable Housing Preservation & D
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federal subsidies. To achieve this
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Accessible HousingBackground DataOh
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3) Create dedicated funding streams
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• Recommend that Ohio support the
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Rural and Appalachian RegionsBackgr
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6. Annual Set-Asides and Incentives
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• Several cities in Ohio current
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OHFA should provide funding, traini
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Permanent Supportive Housing Produc
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3. The State should assist local Co
Page 45 and 46: PrioritizationThe challenge of prio
Page 47 and 48: Agency RecommendationsThe Annual Pl
Page 49 and 50: APPENDIXWorkgroup 1: Affordable Hom
Page 51 and 52: Executive SummaryHousing Need Descr
Page 53 and 54: efficiency and resource conservatio
Page 55 and 56: 554. Home Buyer Education in OHFA F
Page 57 and 58: Estimated Units in Need of Some For
Page 59 and 60: Ohio County Foreclosure Filings (19
Page 61 and 62: Operating Costs - Met and Unmet Nee
Page 63 and 64: Workgroup #2:Affordable Housing Pre
Page 65 and 66: Secondary Recommendations• Explor
Page 67 and 68: Executive SummaryOhio’s supply of
Page 69 and 70: Met Housing Needs (“Resource Inve
Page 71 and 72: Ohio Deptof MentalRetardation andDe
Page 73 and 74: Unmet Housing NeedsData OverviewThe
Page 75 and 76: ody, and will be built within the C
Page 77 and 78: • OHFA will continue to maintain
Page 79 and 80: Best Practices, Policies and Progra
Page 81 and 82: addition, 60,111 one-person househo
Page 83 and 84: Across Ohio, people with very low i
Page 85 and 86: • Responsible for Rent - The pers
Page 87 and 88: Seattle, St. Louis, and Washington,
Page 89: Primary Recommendations• Create a
Page 93 and 94: • The cost of construction often
Page 95 and 96: Recommendations for Annual Plan Adv
Page 97 and 98: capacity to quantify vacant propert
Page 99 and 100: distributed on or about January 15,
Page 101 and 102: Action is needed at the State level
Page 103 and 104: a “user-friendly” data system,
Page 105 and 106: 5) Incentivize the formation of bro
Page 107 and 108: Workgroup #8:Permanent Supportive H
Page 109 and 110: 3. Assist local Continuums of Care
Page 111 and 112: Program and Resource InventoryNonpr
Page 113 and 114: Table 2PopulationsPersons whoexperi
Page 115 and 116: Examples: A national model for succ
Page 117 and 118: oles, so they create a contract bet
Page 119 and 120: Workgroup #8:Appendix ANameProgramD
Page 121 and 122: or remedyingneglect, abuse,or the e
Page 123 and 124: ased healthcare, and earlyintervent
Page 125 and 126: “Bob” of Stark County, OhioPubl
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OHFA Annual Plan - Ohio Housing Finance Agency

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