What is the AI

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What is the AI?

• Analysis of Impediments (AI)
• An Analysis of Impediments (AI) to Fair Housing
  Choice (FHC) is a federally mandated assessment
  that provides the foundation for FHP and
  development of safe, affordable housing within a
  community.

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What is its Purpose

• The AI presents the current condition and
  community environment of housing and provides
  policymakers, stakeholders and members of the
  larger community an evaluation of specific needs
  and potential programs, policies and corrective
  actions to address local housing issues.

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Local Conditions

• The AI required to address the following topical
  issues
• ?         Population Demographics
• ?         Income Employment Data
• ?         Housing Profiles

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Local Policies

• The AI must also review
•         Zoning/Building Regulation
•        Property Tax Policies including
  abatements
• Planning Zoning Boards
•        Lending Policies Practices
•        Advertising Marketing
•        Housing Development Activities
•            Informational Programs

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Local Fair Housing Efforts

• ? Assessment of Current Public Private Fair
  Housing Programs and Activities
• Any actions, omissions or decisions taken because
  of race, color, religion, sex, disability,
  familial status or national origin which restrict
  housing choice are examined.
• Fair housing complaints and discrimination suits
  are examined for related housing issues and/or
  patterns of concern.

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AI Partners

• Allen County Commissioners
• Lima Allen County Regional Planning Commission
• City of Lima
• Lima Allen Council on Community Affairs
• With special thanks to Thom Mazur, Jim Greer ,
  Evelyn Smith of LACRPC
• Bruce Wells, Allen County Community Development
• Jesse Sadiua, City of Lima Community Development

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COMMUNITY/POPULATION PROFILE

• Population and Population Change
• Households and Household Size
• Age Cohorts
• Race and Ethnic Diversity
• Disabled Population
• Educational Attainment
• Income per household, family and Per capita
• Poverty Status
• Labor Force

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The implications of smaller size households are
important and should be monitored by local policy
experts and reflected in the local housing
policies, building codes and zoning regulations.
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The growth of the minority populations coupled
with the movement of populations amongst the
townships changed the distribution of white and
minority populations between 1990 and 2000.
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The inclusion of appropriate housing designs and
the need for assisted living arrangements need to
be reflected in local fair housing planning
efforts.
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Although higher educational attainment levels
have demonstrated higher income earnings, only
8.45 of residents have completed a 4-year
college degree program.
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Allen County is lagging behind the state and
national income levels with respect to household,
family, and per capita income.
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The Census revealed 12.54 percent of all
households were below the established poverty
level in 2000. Of all families suffering poverty
conditions, three quarters (78.33) had children.
In 1999, 12.1 of all individuals, 12.5 of all
households and 9.6 of all families in Allen
County were below poverty level.
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• In 2000 the United States Department of Commerce
  (USDOC) identified 73,863 full and part time jobs
  in Allen County. According to the USDOC,
  employment was largely restricted to 4 key
  sectors that represent nearly 8 in 10 jobs
  (79.35) within Allen County.
• Manufacturing 13,213 17.88
• Service 24,086 32.60
• Retail Trade 13,340 18.06
• Government 7,990 10.81

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After experiencing severe stress from 2001
through 2003, 2004 through the present has shown
significant relief Allen County is now more in
line with the State and national
unemployment averages.
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Community Housing Stock

• Housing Type and number of Units
• Vacancy Rates
• Size of Housing Units
• Age of Housing stock
• Housing Quality /Rehabilitation Needs
• Housing Value/Housing Costs
• Mobile Homes
• Homelessness

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A pattern of disinvestment in the older housing
stock has developed which left a visible scar on
the face of neighborhoods in the older
communities.
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Owner occupancy rates for Allen County reached
72.1 percent in 2000.
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The City of Lima witnessed a significant drop as
did the Villages of Cairo and Lafayette.
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The housing in neighborhoods along the border of
the City are rated above average quality but a
disturbing 42.59 percent of the units in Lima are
rated fair or below average quality by the County
Auditors Officeas compared to 32.93 percent of
the housing in the County as a whole.
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The City of Lima has repeatedly ranked as one of
the most affordable cities in the United States.
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The U.S. Department of Housing and Urban
Development (HUD), and most state housing
departments consider annual housing costs to be
"affordable" if they do not exceed 30 percent of
a family's annual income (including utility
payments).
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Homelessness

• Allen County Housing Consortium Continuum of
  Care committee identified 179 families self
  identified as homeless in 2007.
• 41 reported mental health/substance abuse
  issues as cause
• 22 inadequate jobs
• 13 criminal justice involvement
• 13 relationship challenges
• 11 lack of affordable housing

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Impediments to Fair Housing Choice

• Regulatory Barriers
• Zoning Regulations
• Subdivision Regulations
• Building Codes
• Lending Practices
• Predatory Lending Real Estate Foreclosures
• Tax Policy
• Fair Housing Administration Enforcement

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Of the applications denied, Table 49 (page 70)
credit history was the greatest single reason for
the denial of a home loan.
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IN SUMMARY

• HOUSING ASSETS
• -Historic Housing
• Ethnic/Racial Neighborhoods
• Financial Incentives
• Land Bank Program
• Community Education Programs

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Housing Challenges

• Declining Household Size
• Deteriorating Housing
• Vacant Homes
• Lead based Paint
• Uniform Building Codes/Enforcement
• Affordability
• Foreclosures
• Transitional Housing Needs
• Land Assembly

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Recommendations

• Support the development of Safe, clean ,
  affordable housing in Neighborhoods
• Expand the range of available housing
  Opportunities to meet the needs of ALL Allen
  County Residents
• Develop Neighborhood Plans to ensure continued
  residential development while allowing
  appropriate housing infill and renovations

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Recommendations

• Provide a variety of housing types in
  neighborhoods throuout the community that
  respect local housing character while providing
  housing choice for all ages, incomes and ability.
• Eliminate Homelessness in Allen County

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Recommendations

• Rehabilitate vacant and underutilized buildings
  in a sustainable, cost effective manner
• Demolish vacant and underutilized housing that
  cannot be rehabilitated.
• Continue community education efforts in financial
  literacy and Fair Housing