LANSING, Mich. – A new report finds minimum wage earners in Michigan need to work the equivalent of nearly two full-time jobs to have enough money to pay for a two-bedroom apartment.

The annual "Out of Reach" report shows the wage needed to afford a modest and safe rental home without spending more than 30 percent of income on housing costs in Michigan is $16.85 per hour.

But the average renter earns just $14.27 per hour.

Jessica AcMoody, senior policy specialist with the Community Economic Development Association of Michigan, contends the gap is due to low wages and inadequate investment into affordable housing.

"We're really hoping that the Legislature takes a look at what's going on in Michigan and the problem of affordable housing,” she states. “You're seeing this across both rural and urban areas, so it's affecting everyone across the board."

According to the findings from the National Low Income Housing Coalition, Michigan households must have monthly earnings of about $2,800 in order to afford Fair Market Rent, which is $844 for a two-bedroom apartment and $661 dollars for a one-bedroom apartment.

AcMoody notes there are federal programs to help struggling Americans afford housing, including the National Housing Trust Fund, which provides block grants for the creation or rehabilitation of homes, and the Housing Choice Voucher Program for very low-income families.

"The problem is these programs have been underfunded for years, and so we're not seeing the resources go to them that need to be,” AcMoody states. “And actually, only one of four households in need of rental assistance receives any due to chronic underfunding."

Michigan's Housing and Community Development Fund was developed as a general appropriation in 2008 to help low-income people and families afford housing.

But AcMoody says it was cut after one year.

"We were able to secure $3.7 million from the Homeowner Protection Fund in 2012,” she adds. “Unfortunately only nine projects out of the 65 submitted received funding due to the limited resources."

AcMoody contends Michigan needs a larger, more secure funding source for affordable housing, such as a housing trust fund.

There are 58 housing trusts funds in place in 47 states and Washington, D.C., which are typically funded by a real estate transfer tax.

Michigan is ranked 28th in the U.S. for the highest housing wage.


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A package of New York City bills can help preserve affordable housing.

The Community Land Act creates more pathways for communities to purchase and control land. Two of the bills would allow nonprofits and community land trusts to make a first offer on any multifamily property or public land up for sale.

Will Spisak, senior program associate for the nonprofit New Economy Project, said the bills help build community wealth and let people have control over their neighborhood's future.

"Renters are no longer kind of at the mercy of these slumlords that often neglect the building, extract wealth from the community, and don't reinvest in the living conditions of those properties," Spisak explained. "It creates a way for people to be directly involved in controlling their housing situation."

He added it also creates opportunities to develop permanent affordable housing. Some real estate developers and investors are opposed to the bills, primarily about the transparency measures of the legislation. Spisak countered tenants are tired of not being in control of their housing and feedback for the bills has been overwhelmingly positive. The goal is to have the New York City Council pass the bills in 2025.

Although opposition from the real estate industry has thrown up some barriers, other challenges loom ahead. Spisak noted aside from public education to ensure people know about the measures, there is also the challenge of providing resources to groups looking to take advantage of the bills.

"We need them to be really efficient with how they get the money out to groups," Spisak pointed out. "As well as making sure community groups have access to other resources such as technical assistance professionals who can assist with doing appraisals, doing inspections, and things like that as well as financial resources."

Another element of the Community Land Act is a resolution saying the city supports the state's Tenant Opportunity to Purchase Act, which could give tenants the first right to collectively buy their building if and when the landlord sells it. Although housing advocates support it, the bill failed in committee during the previous legislative session.

A new poll shows homelessness is an important issue to voters in Connecticut and nationwide.

The National Alliance to End Homelessness' latest poll shows it is a top issue for voters, behind the economy and crime. Connecticut saw an eight-year drop in homelessness, but the last two point-in-time snapshots indicate it is growing again.

Ann Oliva, CEO of the National Alliance to End Homelessness, said voters across the political spectrum want to address the root causes of homelessness rather than have punitive policies.

"We see folks starting to understand the connection between housing affordability and homelessness in a different way," Oliva explained. "Homelessness is the result of systemic inequities and systemic challenges, and not about individual decisions."

A commonly sought solution for homelessness is building more affordable housing, which elected officials and candidates at different levels of government are discussing. Vice President Kamala Harris is proposing an expansion of the Low-Income Housing Tax Credit and incentives for builders selling to first-time homebuyers. Former President Donald Trump wants to open federal lands to build more affordable housing and shut out illegal immigrants, though home loans for that population are rare.

However, misunderstandings about homelessness could prevent solutions from being realized. Among voters and elected officials, Oliva noted there are misconceptions about homelessness stemming from a person's choices only, not other systemic issues. She pointed out another misconception is about the connection between homelessness and crime.

"People who are experiencing homelessness are more often the victims of crimes rather than the perpetrators," Oliva stressed. "When those two issues get conflated, it really seeks to dehumanize people who are experiencing really traumatic parts of their lives."

Given how each level of government affects homelessness, Oliva feels the election has high stakes for how the issue is shaped going forward. Since many government institutions might have an assortment of Democrats and Republicans in charge, she said they must come together to develop solutions for ending homelessness.

"We have to find places where we can find some common ground and really educate our elected officials about not only what their constituents want, but what actually works to end homelessness in their communities," Oliva emphasized.


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New York's affordable housing crisis is being made worse by corporate landlords, according to groups trying to reform the system.

The state consistently ranks high for high housing cost burdens on renters and homeowners. The New York State Comptroller reported about 52% of the state's renters have a high housing-cost burden.

Hae-Lin Choi, District 1 political director for the Communications Workers of America, said it can be attributed in large part to big, corporate landlords.

"When corporate landlords roll into our communities, rents spike, hidden fees add up and basic maintenance goes out the window," Choi asserted. "This is not just 'business as usual.' I think what we're seeing is exploitation, plain and simple."

State and federal legislation could rectify the problems, but Choi suggested the political landscape has prevented it so far. She cited federal lawmakers like New York Congressman Marc Molinaro, who are bankrolled in part by real estate companies and have voted down federal affordable housing bills.

At the state level, "good cause" eviction and other tenant protections are working to keep housing costs reasonable.

Some experts feel congressional Republicans are tanking affordable housing efforts under the guise of helping everyday Americans.

Caroline Nagy, associate director of housing for the Americans for Financial Reform Education Fund, pointed to the Middle Class Borrower Protection Act. She said the bill, introduced by House Republicans, could have made it more expensive to become a homeowner.

"What this bill would have done is actually order the Federal Housing Finance Agency to increase borrower fees for people who don't have a 20% down payment," Nagy explained.

She added the bill would have decreased borrowing fees for vacation homes and investment properties. All House Republicans voted to support the bill along with 14 Democrats, but it failed in the Senate. Another bill would bring back a Trump-era program beneficial to wealthy investors, at the cost of affordable home prices for working families and minorities.