Renters and homebuyers face a dismal landscape these days in finding affordable housing. But community groups and nonprofit landlords in North Carolina say they're determined to increase their options, especially for people from low-income or marginalized backgrounds.

Delores Bailey, executive director of the nonprofit group EMPOWERment in Chapel Hill, said her organization is spearheading the building of PEACH Apartments, a $3.5 million project to provide affordable housing for essential workers in the historically African American neighborhood of Pine Knolls.

While she is excited about the project, Bailey said the challenges are numerous.

"It's difficult," Bailey acknowledged. "The funding is difficult to secure, construction costs work against us."

This year EMPOWERment Inc. received a $150,000 grant from the Coastal Credit Union Foundation to help complete the project.

According to the National Low-Income Housing Coalition, nearly 70% of low-income households face a "severe cost burden" to pay rent and remain housed.

Bailey pointed out ongoing inflation is worsening the conditions for families, who are being forced to stretch household budgets further.

"So, what we've seen, the trend that we've seen, is not good right now," Bailey stressed. "For homeowners or renters."

Eric Guckian, president and CEO of the United Way of the Greater Triangle, said groups focusing on affordable housing need more resources to continue finding creative ways to keep families under a roof.

"I think we have to have hope that this is a solvable problem," Guckian asserted. "And the only way it's going to be a solvable problem is if we all work together to solve it."

In 2020, nationwide, 30% of U.S. households had unaffordable rent or mortgage payments, defined as exceeding one-third of their monthly household income, according to Habitat for Humanity.

With housing prices nearly doubling in the last 10 years, the number of Oregonians who can afford to buy a home without assistance has dwindled and a new coalition has formed to change it.

The Unlocking Home Ownership Coalition is made up of more than 20 Oregon organizations, and is submitting plans to the Legislature to help address the problem. The plans include investing in affordable housing, assistance for first-time homebuyers, and closing the 15% homeownership gap for communities of color.

Shannon Villehauer, executive director of Habitat for Humanity of Oregon, which is leading the coalition, said helping people get a home is the right thing to do.

"Some Oregonians have just done all the right things, right? Worked on credit repair, saving for a down payment," Villehauer outlined. "And yet interest rates are high, wages have not kept pace with home prices, and sometimes we all need a hand up to enter this first-time homeownership market."

She noted people of color, especially African Americans, have a long history of being excluded from homeownership in Oregon. The state constitution originally banned Black people from owning land. Some were also denied benefits through the GI Bill, or were subject to redlining into the 1990s.

Villehauer pointed out Portland is an obvious example of systemic racism around housing.

"That's a city where we did have redlining; where a highway was built through generational, African American foundational wealth, and that wealth was actively stripped from communities," Villehauer explained.

Owning a home means having long-term, stable housing costs and is often more affordable over time than renting. Along with the financial benefits, Villehauer added studies show kids who grow up in homes their parents own are more likely to graduate from high school and go to college and are more likely to own their own homes.

"When we talk about really generational opportunity and the springboard to being a fully contributing and supported member of the community, we really think that homeownership is a critical piece of that puzzle," Villehauer emphasized.

Heading into the 2025 session, Villehauer is optimistic with the number of state legislators making affordable housing a top priority, the coalition's proposals will move forward.

The faith-based nonprofit Our Calling is working with unsheltered clients in north Texas to create a long-term exit plan to help them rebuild their lives.

More than 4,400 unhoused people live in Dallas and Collin counties. A recent study by the Dallas County Health Department shows it costs more than $193 million annually to care for people experiencing homelessness.

Wayne Walker, founder and pastor of the nonprofit Our Calling, said in its 15 years of operation, it has found a lack of community sends people into homelessness.

"All of us have financial problems, and every single person has crisis in their life," Walker pointed out. "The difference between someone who's experiencing homelessness and one who's not is one of those people had a team of friends that they could call, family in their life, coworkers, and the other one doesn't."

He noted before COVID, they assisted about 15 people per week. The number has now increased to 75 people a week.

Walker explained data collected during the intake process helps them decide the best way to help the unsheltered person.

"We've built a technology platform that allows us to use artificial intelligence as we're looking at the best exit plan for this person," Walker stressed. "Traditionally, years ago, you'd send someone to a shelter or try to get them into some kind of government housing. Well, we would consider that two different exit plans, and in our system we have over 800 different exit plans."

Once a plan is designed and implemented, Our Calling stays in contact with the individual for a year to ensure they are in a healthy community with all the services and support they need to thrive.

They have also created the Neighbor Solutions app to help individuals assist anyone experiencing homelessness. Walker added it can be used by police officers, first responders and everyday citizens.

"Individuals across the U.S. will pull out their phones and open this app to figure out, 'Where is the closest shelter? Where is the closest domestic-violence center? Where can I feed my family?'" Walker outlined. "And that app is the beginning of a platform of apps we've put together to help not only the person experiencing homelessness, but the people that want to help those people experiencing homelessness."


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Once homeless and suffering from addictions himself, Joplin's mayor now leads a crusade to help others overcome the same hardships.

About 53,000 people live in Joplin, where a 2023 study found more than 600 individuals experienced homelessness, largely driven by the effects of the 2020 pandemic, high housing costs and mental health challenges.

Keenan Cortez, mayor of Joplin, has partnered with shelters and local nonprofits to offer support in response, which includes access to recovery services, job training and housing initiatives. Cortez said faith and determination led him from living on the streets to similar programs.

"I just got on my knees and I said, 'Help me,'" Cortez recounted. "I was able to get into a drug and alcohol treatment plan and then being able to be exposed to 12-step programs that, to this date, have been able to help me maintain my sobriety."

Between 2018 and 2023, homelessness in Missouri rose by about 22.8%.

Cortez expressed his excitement about partnering with Vita Nova Village, a Joplin nonprofit building affordable tiny homes. He emphasized the initiative will provide more than just a roof over people's heads. It will offer essential training and resources to help people address the root causes of their challenges and work toward stability.

"Do they need specific training so that they can get into a career that will offer them income?" Cortez asked. "Do they need mental health services, or do they need simple health services, so they can get healthy enough to get back into the workforce?"

Cortez added the city has recently approved a parcel of land so Vita Nova Village can purchase inexpensively from the city and the nonprofit has also raised money to begin building the tiny homes.


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