Affordable HousingAddressing the Issues

New Brunswick Non-Profit Housing

2013 Conference

May 10th 2013

What is Affordable Housing?• Housing whose total housing costs are

considered "affordable" to those that have a median income

• affordability = the cost of adequate shelter that should not exceed 30% of household income

• adequate = cost + size + general conditionXCore Housing Need

The Need for Affordable Housing

In Canada• Shelter costs increased faster than the

rate of inflation between 2001 and 2006• In 2006

– 1 in 4 household spent 30% or more of their income on shelter

– 13 % of all households live in ‘core housing need’

The Need for Affordable HousingIn Moncton• Changing demographics

– Population is aging– Increase in the 65+

population – Increase in lone parent

households

Statistics – 2006 65+ pop. increased 30% 18% lone parent

households 13% low-income families 19 % of households had a

income of 20 000 or less 15% seniors living bellow

poverty line 46% of seniors reported an

income less that 20 000 (2008)

Housing Affordability in Moncton• 7,555 households (27% of all households) were

spending 30% or more of their income on shelter cost in 2006 – 16% increase from 2001

• 5,000 are rental units– 13% increase from 2001

• Owned households have increased 24% from 2001

Housing Affordability in Moncton

Total

Fam

ily

O

ne fa

mily

only

Couple

fam

ily

With

out c

hildr

en

With

chil

dren

Lone

-par

ent f

amily

O

ther

fam

ily

Non

-fam

ily

O

ne p

erso

n

T

wo or

mor

e pe

rson

0

10

20

30

40

50

60

% of total households spending 30% or more on shelter costs

% of Rented house-holds spending 30% or more on shelter costs

Housing Affordability in Moncton

• however, a CMHC study (2009) shows that for the Moncton CMA, 25.4% of rented households are below the affordability standard and are in core housing need

Municipal Planning for Affordable HousingApproaches Concepts & Practices

Policy Initiatives Development Levies Housing Levies

Regulatory Change Upzoning Inclusionary Zoning Density Bonusing Alternative Development Standards Accessory Dwelling Units Streamlining Approval Process

Financial and Tenures Incentives Exemption of Fees Special Tax Rates Redevelopment Incentives Programs Housing Trust Funds & Community Land

Trusts Equity Co-operatives

Direct Provision Shareholder of Municipal Not-for-profit Housing Corporations

Direct Financing Donation of publicly owned land

Affordable Housing Focus Group

• Key issues that have been identified from focus group workshops:– Inclusion not segregation– Location location – Development barriers– Affordable housing for non-subsidized clientele with

particular needs– Create a housing strategy– Education

PlanMoncton

Housing Choice & Affordability • Acknowledges challenges with an aging population

and smaller household and increasing cost of housing

• Encourages partnership with different levels of government and community organization

• Explore alternative development standards • Public education and understanding/acceptance

PlanMoncton

• The Plan proposes to form an advisory group…to:

• Support and oversee the completion of a city-wide housing needs assessment study;

• Support the development of federal, provincial and community based services and programs that address housing needs;

• Enhance community awareness of housing issues and opportunities;• Provide leadership in strengthening diverse community relationships

and partnerships; and• Participate in ongoing research, monitoring and evaluation of

community issues related to housing choice and affordability.

• Integrating affordable housing strategies into broader community goals and plans will greatly rely on partnerships through various community actors such as non-profit groups, private developers, municipalities, financial institutions and other concerned stakeholders