Lorraine Polak Travis Dammann
Agenda
Analysis of Impediments Overview
Process
Data Collected
New Markets Tax Credit Program Opportunity Zones
US Department of Housing and Urban Development (HUD) Housing Studies
Addressing Community Housing Needs SD Housing Search
AI Overview
Analysis of impediments to Fair Housing Choice is a review of barriers that impact the rights of fair housing choice. It covers public and private policies, practices and procedures affecting housing choice.
Impediments to fair housing choice are:
Any action, omission or decision taken because of race, color, religion,
sex, disability, familial status, or national origin which restricts housing choices or availability of housing choices.
Any action, omission or decision which have the effect of restricting
housing choices or the availability of housing choices on the basis of race, color, religion, sex, disability, familial status, or national origin.
Difficulty in distinguishing which regulations should be preserved and
AI Process
Review of state and local laws, regulations, policies and procedures Assessment of those laws, etc. and their impact on availability and
accessibility of housing
Assessment of conditions affecting fair housing choice for protected
classes
Assessment of availability of affordable, accessible housing in a range
of unit sizes
July 2015 – Affirmatively Furthering Fair Housing (AFFH) Rule –refine
the process by providing mapping tools and census tract information
January 2017 – assessment tools not available; continue with Analysis
of Impediments
AI Data
https://egis.hud.gov/affht/ Mapping tool
Race/Ethnicity
Limited English Proficiency
Demographics and School Proficiency Demographics and Job Proximity
Demographics and Poverty Housing Problems
Demographics and Environmental Health Disability by Age Group
AI Data
AI Process
Gathering public input via the following mechanisms: Online Survey July 10th – August 14th
Public meetings July 24th – July 27th
Public meeting and release preliminary findings September 13th Compile data and formulate action steps and timeline
Incorporate changes in programs, policies, and processes as necessary Use as a planning tool for program and policy design, re-design and
implementation
AI Data Collected
Census data
Fair Housing complaints On-line survey 331 responses 50% individuals 39% nonprofit/advocacy/Government/PHAs 11% developers/Lenders 36 communities represented
60 statements of being impacted by discrimination practices Public meetings
AI Data Collected
South Dakota Division of Human Rights
Investigates formal complaints filed, holds public hearings and
provides technical assistance to employers, labor unions, real estate agents, landlords and others
On average handles 130 charges per year with most based on sexual
discrimination
90% of all charges are employment-related
108 cases in 2016 (October 1, 2015 through September 30, 2016) – only
AI Data Collected
Fair Housing South Dakota
SDHDA contracted with Paul Flogstad March 2015 Resource for renters, landlords and general public Toll free number, website and training opportunities As of July 2017, 978 phone calls
415 classified as fair housing – 36 referred to HUD’s office of fair housing 563 landlord/tenant issues – 41 referred to SD Attorney Generals office of
AI Data Collected
Home Mortgage Disclosure Act (HMDA)
https://www.consumerfinance.gov/data-research/hmda/explore https://www.ffiec.gov/hmda/
Requires lending institutions to report public loan data. Purchaser type name (Fannie Mae…)
Loan purpose name (Conventional, FHA-insured, VA-Guaranteed…) Applicant Sex
Applicant Race
Denial reason (up to 3 reason per loan)
Action Taken (Loan originated, Loan purchased by institution, Denied,
AI Data Collected
2015 ACSTable II.9
Housing Units by Unit Type State of South Dakota
Census Bureau SF3 Data, 2015 ACS
Unit Type Total % of Total
Single-Family Unit 269,341 72.3% Duplex 6,296 1.7% Tri- or Four-Plex 12,510 3.4% Apartments 51,293 12.6% Mobile Homes 32,754 8.8% Boat, RV, Van, Etc. 134 0.0%
AI Data Collected
2015 ACSTable II.11
Housing Units by Disposition
State of South Dakota Census Bureau SF3 Data, 2015 ACS
Disposition Total % of Total
For Rent 6,229 15.0% For Sale 3,650 8.8% Rented or Sold, Not Occupied 2,866 6.9% For Seasonal, Recreational, or Occasional Use 14,541 35.0% For Migrant Workers 105 0.25% Other Vacant 14,079 33.9%
Total 41,470 100.0% Table II.13
Housing Units with Incomplete Plumbing Facilities
State of South Dakota Census Bureau SF3 Data, 2015
Facilities Total
Plumbing Facilities
Complete Plumbing Facilities 328,873 Lacking Complete Plumbing Facilities 1,985
Total Households 330,858
New Markets Tax Credit Program
Low Income community (LIC) is any population census tract that meets one of the following criteria (as reported in the most recently completed decennial census published by the U.S. Bureau of the Census):
The poverty rate for such census tract is at least 20%; or
The Median Family Income (MFI) of such census tract does not exceed
80% of:
(a) The statewide MFI, if the tract is not located within a metropolitan
area.
(b) The greater of statewide MFI or the metropolitan area MFI, if the tract
is located within a metropolitan area.
Opportunity Zones
Community development program – Tax Cuts and Jobs Act of 2017 Long-term investment to qualified census tracts
South Dakota – 143 eligible census tracts Ability to designate 25 census tracts
Located in Rapid City, Box Elder, Sioux Falls, Brookings, Pine Ridge,
Eagle Butte, Standing Rock, Brule County, Huron, Aberdeen, Rosebud, Yankton, Vermillion, Madison, Sisseton, Watertown and Winner
Approved by Internal Revenue Service April 2018
Housing and Urban Development
Consolidated Planning – five year strategy for housing and community
development
CHAS – Comprehensive Housing Affordability Strategy Compilation of information – state, county or community level Extent of housing problems and housing needs
Focus on low income households (30, 50 and 80 percent of median income) Types of households (elderly, disabled, minorities)
Affordability mismatch
Interaction of affordability with variables such as age of home and number
of bedrooms and interaction of incomes with housing problems
Custom tabulations of census data Dated material (data year 2010 – 2014)
CHAS Table – South Dakota
0-30% HAMFI >30-50%
HAMFI >50-80% HAMFI >80-100% HAMFI >100% HAMFI TOTALS
Total Households 37,855 37,610 57,940 37,050 152,685 323,140 Small Family Households 9,000 10,265 18,520 14,420 82,765 134,970 Large Family Households 2,450 2,905 4,630 3,375 13,860 27,220 Household contains at least one person 62-74
years of age 5,820 6,865 10,380 6,825 28,565 58,455
Household contains at least one person age 75
or older 7,765 8,995 8,320 3,990 9,985 39,055
Households with one or more children 6 years
old or younger 6,690 6,985 9,510 7,290 19,090 49,565
South Dakota’s 2018 HUD Area Median Family Income $71,300 for family of four.
1 Person – 30% HAMFI - $14,950 50% HAMFI - $24,950 80% HAMFI - $39,950 4 Person - 30% HAMFI - $21,400 50% HAMFI - $35,650 80% HAMFI - $57,050
CHAS – Housing Problems
Renter Owner 0-30% AMI >30-50% AMI >50-80% AMI >80-100% AMI Total 0-30% AMI >30-50% AMI >50-80% AMI >80-100% AMI Total NUMBER OF HOUSEHOLDS Substandard Housing - Lacking complete plumbing or kitchenfacilities 720 410 445 140 1,715 600 235 210 115 1,160
Severely Overcrowded - With >1.51 people per room (and complete
kitchen and plumbing) 595 350 345 75 1,365 65 35 100 50 250
Overcrowded - With 1.01-1.5 people per room (and none of the
above problems) 720 725 710 315 2,470 195 410 450 265 1,320
Housing cost burden greater than 50% of income (and none of the
above problems) 11,875 3,075 640 50 15,640 5,675 3,155 2,450 715 11,995
Housing cost burden greater than 30% of income (and none of the
above problems) 4,285 7,885 4,610 720 17,500 2,805 4,455 7,425 3,970 18,655
Zero/negative Income (and none of
CHAS – Cost Burden
Renter Owner
0-30% AMI >30-50%
AMI >50-80% AMI Total 0-30% AMI >30-50% AMI >50-80% AMI Total NUMBER OF HOUSEHOLDS
Small Related 4,580 3,945 1,625 10,150 1,860 2,095 4,095 8,050
Large Related 1,335 705 150 2,190 410 630 755 1,795
Elderly 3,845 2,715 1,500 8,060 4,695 3,545 2,495 10,735
Other 7,820 4,140 2,220 14,180 2,005 1,465 2,615 6,085
Total need by income 17,580 11,505 5,495 34,580 8,970 7,735 9,960 26,665
Renter Owner
0-30% AMI >30-50%
AMI >50-80% AMI Total 0-30% AMI >30-50% AMI >50-80% AMI Total NUMBER OF HOUSEHOLDS
Small Related 3,425 980 105 4,510 1,560 990 985 3,535
Large Related 870 120 0 990 255 245 110 610
Elderly 2,480 1,195 420 4,095 2,710 1,215 745 4,670
Other 5,915 950 230 7,095 1,465 720 635 2,820
Total need by income 12,690 3,245 755 16,690 5,990 3,170 2,475 11,635
Cost Burden > 30%
CHAS – Mitchell
Renter Owner 0-30% AMI >30-50% AMI >50-80% AMI >80-100% AMI >100%AMI Total 0-30% AMI >30-50% AMI >50-80% AMI >80-100% AMI >100% AMI Total Number of Households 600 765 720 275 545 2905 325 360 420 440 2395 3940
Household has at least one of the four severe housing
problems 610 185
Housing cost burden greater
than 30% 430 415 85 0 110 1040 280 100 70 0 60 510
Housing cost burden greater
HUD Mapping Tools
https://egis.hud.gov/cpdmaps/
Mapping of Community Development Block Grant, HOME,
Emergency Solutions Grants, and Continuum of Care programs
By census tracts Funding amount
Number of housing units Demographic information
Income Race
Additional Datasets
Data on income limits, rents, vacant housing units, preservation and
development of affordable housing
https://www.huduser.gov/portal/datasets/pdrdatas.html
Housing Needs Study Program
Community based housing study
Review of current housing market and future needs Demographics
Employment, economic trends, commuting times Recommendations and resources
Cost-sharing incentive program (50% - up to $5,000) Communities with population 10,000 or less
50 studies completed and posted on SDHDA website
http://www.sdhda.org/housing-development/housing-needs-study-program.html
Addressing Community Housing Needs
Asking questions and using data
Matching incomes with rental rates and purchasing price for both
community and neighborhoods
Analyzing available vacant homes for renovation or in-fill new
construction, code enforcement
Demographic information for decisions regarding family versus elderly
developments
SDHDA incorporates into funding selections Areas of Opportunity
Revitalization of Neighborhoods Proximity to services
SD Housing Search
Contact Information
Lorraine Polak Travis Dammann
Director, Rental Housing Development Business Analyst
Lorraine@sdhda.org Travis.dammann@sdhda.org
605-773-3108 605-773-5148
South Dakota Housing Development Authority 3060 East Elizabeth Street
PO Box 1237 Pierre, SD 57501