Housing Options for Those with Disabilities

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Housing Options for Those with Disabilities
June 14,2007
Center of New Hampshire, Manchester
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New Hampshire Housing

• Established by State Legislature under RSA 204-C
• Independent Self Sustaining Authority
• Not a State Agency
• Mission
• To help create housing which is affordable to
  low and moderate income people
• Continuum of Services from Rental Assistance for
  very low income households to Home Ownership
  Programs for low to moderate income households
• NH Housing does not oversee local housing
  authorities

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New Hampshire Housing
Programs

• Home Ownership
• Single Family Mortgages
• 1,300 -1500 loans / year 200 Million / year
• Multi-Family Housing Development
• 300 units financed / year
• NH Housing finances multi-family housing
  construction, it does not develop or own housing.
• NH Housing depends on developers to find
  opportunities to build or rehabilitate housing.
• For Profit
• Non-profit

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New Hampshire Housing
Programs

• Tenant Assistance / Supportive Services
• 3,000 units of Tenant Based rental assistance
• 5,000 units of Project Based rental assistance
• Housing Research / Planning / Technical
  Assistance

www.nhhfa.org
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Affordability Defined (or maybe explained)
ability to pay.
Affordability depends on price and the ability to
pay.
price
Affordability - defined in the context of who has
limited access to the market. Targeting
Income is an indicator of a households ability
to pay.
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Affordability Defined (or maybe explained)
Purchase Market
Income of 160,000
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Income Targeting
54,400
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Purchase and Rental Markets are Very Different
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Affordability Defined (or maybe explained)
What is Subsidized Housing?
Housing that is made affordable with a direct or
indirect subsidy from a public body.
Most public subsidies target low income
households.
Subsidized Housing housing that is made
affordable to low income households (low income
housing).
What is Public Housing?
Subsidized Housing that is owned by a public
entity.
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Affordability Defined (or maybe explained)
What is Workforce Housing?
Housing that is affordable to households in the
workforce without regard to subsidy.
Typically targets households with incomes
representing the local labor market (usually
capped).
Includes some Subsidized Housing. Does not
include retirement or most age restricted housing.
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Housing Affordability
Prices have outpaced household incomes
Sources Median Purchase Price - NHHFA Purchase
Price Database, Mortgage Interest Rates - Freddie
Mac Survey Income - HUD Statewide
Median Family Income for NH 2006 are
preliminary numbers
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33,500
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Median Household Income for Renters increased by
only 300 to 33,800
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33,500
33,800
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Median Household Income for Renters increased by
only 300 to 33,800
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(No Transcript)
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Statewide
1,029
946
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(No Transcript)
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Human and Social Impacts of a Constrained Housing
Supply

• Less housing choice
• Overpayment for shelter
• Doubling up / Substandard units
• More demand on public subsidies
• Displacement
• Shift in the character of the homeless (more
  working families)
• Longer commutes / Child care costs
• Less community participation

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New England Public Policy Center at the Federal
Reserve Bank of Boston
The New England Rental Market, January 2007

• By 2005, rents in Connecticut, Massachusetts and
  New Hampshire were 15 higher than in the rest of
  the nation.
• From 2000 to 2005, New England saw less than half
  the total housing unit growth (3.2 vs. 7.4)
  than the nation. (In NH we have actually lost
  approximately 3,500 rental units.)
• In New England, New Hampshire has the second
  highest number of very low income households per
  affordable rental unit, and highest number of
  very low income households per affordable and
  available rental unit.
• This indicates that higher income households are
  occupying lower cost units. (They may be blocked
  from ownership due to a lack of affordable
  starter homes for purchase and/or poor credit.)
• In New England, the supply of affordable housing
  is a problem, while the expiration of rent
  controls and conversions to condominiums are
  beginning to intensify the problem.

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(No Transcript)
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9,000 Vouchers
17,433 Assisted Units
12 of All Rental Units
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Non-Elderly with a disability fair relatively
well in both the Public Housing and voucher
programs

• 68.6 of Public Housing is designated as elderly.
• 27.6 of the elderly designated units are
  occupied by non-elderly persons with a
  disability.
• The waiting list for all public housing is 26
  elderly, 10.5 non-elderly disabled, and 63.5
  family.

Does not include Nashua HA data.
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Non-Elderly with a disability fair relatively
well in both the Public Housing and voucher
programs

• 40 of Voucher holders are non-elderly persons
  with a disability.
• Only 24.8 are elderly and 35.3 are families.
• The waiting list for all vouchers programs is
  20 elderly, 9.7 non-elderly disabled, and 69.8
  family.

Does not include Nashua HA data.
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Housing Awareness Program

• Education
• The impact of local regulatory actions on housing
  cost (Not just Starter Castles and McMansions)
• Research
• School Enrollment
• Economic Impact
• Workforce Housing Council
• Regional Workforce Housing Groups
• Employers

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Signs of Success
Questions were asked have changed from Is
there really a problem? (meaning, I dont
believe it) to What can I do about it?
(meaning, What can I do about it?)
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EasyLiving Home

• Building Certification Program of GSIL
• Builders voluntarily implement Universal Design
  features in new homes
• Step-free entrance
• Wider doors and hallways
• Bedroom, bath, kitchen and entertainment space on
  1st floor
• Is not fully accessible
• Cost effective, attractive and visitable

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37 Special Needs Projects including Shelters,
Group Homes, Transitional Housing and Permanent
Supportive Housing
473 Special Needs Housing Units
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New Hampshire Housing
Deadlines for Development Applications
September 28th March 28th
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New Hampshire Housing
www.nhhfa.org