Harvard Research Examines 州和地方 Programs Promoting Middle-Income Housing

The Harvard University Joint Center for Housing Studies (JCHS) recently released a white paper, “Subsidizing the Middle: Policies, 权衡, and Costs of Addressing Middle-Income Affordability Challenges,” that examines 11 state and local programs designed to address middle-income housing needs amid the housing affordability crisis.

The programs that the JCHS researchers analyze target middle-income rental households — which constitute 14.400万租客, or one-third of all renters nationally, who earn between 60 to 120% of area median income (AMI) — through direct or indirect public subsidies.

“Numerous state and local middle-income housing programs have been created in recent years with the explicit intent to address the affordability challenges of households in the workforce,该报指出。. “These programs suggest that working adults should be able to afford to live in the communities where they work.”

State programs examined include:

• Florida: Missing Middle Property Tax Exemption
• Georgia: Rural Workforce Housing Initiative
• Michigan: Missing Middle Housing Program
• Colorado: Middle-Income Housing Authority
• Rhode Island: Middle Income Loan Program
• California: CSCDA Workforce Housing Program
• Minnesota: Workforce Housing Development Program
• Massachusetts: Workforce Housing Initiative
• Kansas: Moderate Income Housing Program

Local programs examined include:

• Philadelphia: Workforce Housing Credit Enhancement
• 科罗拉多州,.: Workforce Housing Five-Year Blueprint

Although the programs differ in terms of funding, 活动和要求, the researchers identified several key themes, including the recent focus on this segment of housing, the use of AMI as a threshold to determine eligibility, and geographic diversity of these programs.

Researchers also found that these middle-income housing programs are primarily focused on “expanding the supply of housing affordable to middle-income households through new development, though many projects also fund rehabilitation, 适应性重用, or acquisition and conversion.”

Most programs offer favorable or forgivable construction financing to developers of middle-income housing, 该报补充道, as well as grant funding directly to developers. Some programs provide a cap on per-unit funding, which may depend on the type of activity funded and/or subsidy provided.

Researchers note that many of these programs are relatively new, so it’s difficult to determine their full impact. The research also takes a comparative look at middle- vs. low-income renters — based on factors such as housing affordability challenges, 就业状况, geography and demographic details, and identifies the benefits and concerns surrounding middle-income housing programs — with concerns that these programs may be overshadowing the needs for the nation’s most cost-burdened renters.

In addition to these types of housing programs, JCHS researchers propose that states and localities look toward additional solutions outside of subsidies to help increase housing supply — solutions that underline key points from NAHB的10点计划.

“Liberalizing local zoning ordinances, particularly in areas that allow only single-family homes, can encourage a broader range of housing types like small multifamily buildings, adu, 或者人造房屋, and can make it easier to increase the overall stock,论文中写道. “Expedited permit processes, relief from some environmental or community review requirements, 减少停车要求, or density bonuses for projects that hit a specified affordability level could also encourage development that benefits middle-income renters.”

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