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Rural America is Losing its Affordable Housing

A new report details looming crisis in affordable rural rental housing.

The Crisis. The increasing lack of affordable housing is not just an urban problem. Rental housing options in rural America are not only sparse, but also declining. An important source of housing in many rural communities are rental homes financed by the U.S. Department of Agriculture (USDA). Today there are over 13,000 USDA rental properties providing more than 415,000 affordable homes to families and individuals across rural America.

No new USDA direct-financed rental housing has been developed in years, and the existing properties are increasingly losing their affordability provisions. The impacts of this trend are problematic for rural renters and communities.

A Platform for Preservation. The Housing Assistance Council conducted a comprehensive assessment of USDA's multi-family housing investments to better understand this issue and inform strategies that preserve this resource for rural communities and residents.  (Report available below)

Housing for a 21st Century Rural America

A Platform for Preservation

The Housing Assistance Council conducted a comprehensive assessment of USDA's multi-family housing investments to better understand this issue and inform strategies that preserve this resource for rural communities and residents.

Housing America's Older Adults 2018

US is unprepared to house its aging population.

A new report from Harvard’s Joint Center for Housing Studies (JCHS) finds that half of U.S. households are headed by someone over age 50 and the number of households age 80 and over will more than double by the year 2037. The study also highlights a historically high gap in homeownership rates for older whites and blacks. While 81 percent of white households age 50 and over own their homes, only 57 percent of older black households are owners. This 24-percentage point gap is the largest disparity since recordkeeping began in 1976. These and other findings from the report indicate a greater demand for supportive and accessible housing for seniors in years to come. 

Data on Tenants in LIHTC

Understanding Whom the LIHTC Serves: Data on Tenants in LIHTC Units as of December 31, 2015

Examining Whom the Low-Income Housing Tax Credit Program Serves.  The report, published in March 2018, describes the characteristics of households in low-income housing tax credit units.  The data focuses specifically on characteristics of tenants in LIHTC-financed units, such as their race, ethnicity, age, household composition, household income and rental payments.

Getting Started

First Homes Being Built with 2016 National Housing Trust Fund Awards

As of the date of this Interim Report, 36 states have awarded all of their 2016 national Housing Trust Fund (HTF) allocations, and another 5 states have awarded some of their 2016 allocations. Since the 2016 allocations were announced, National Low Income Housing Coalition (NLIHC) staff have established working relationships with staff of HTF “state-designated entities” (SDEs). The statute creating the HTF requires states to designate such entities; most are state housing finance agencies, while some are state departments. At this stage, HUD only reports aggregate amounts of 2016 HTF money that a state has obligated and committed.

Low-Income Housing Tax Credit

Report to the Chairman, Committee on the Judiciary, U.S. Senate

Improved Data and Oversight Would Strengthen Cost Assessment and Fraud Risk Management

State Housing Finance Agencies:

At the Center of the Affordable Housing System

For more than 50 years, state housing finance agencies (HFAs) have played a central role in the nation’s affordable housing system. HFAs have delivered more than $450 billion in financing to make possible the purchase, development, and rehabilitation of more than 7 million affordable homes and rental apartments for low- and middle-income households.

Final LIHTC Costs Analysis 2018

Housing Credit development cost study

Study by ABT Associates, shows Housing Credit development costs in recent years have been, on average, about the same as development costs for all multifamily projects, despite complying with a host of policy constraints that don’t apply to market-rate properties.

Investing in Rural America

Bringing Progress and Economic Opportunity to Rural Communities

Joint Economic Committee Democrats

The State of the Nation's Housing 2018

Joint Center for Housing Studies at Harvard annual assessment of the housing market, demographic trends and housing challenges faced by U.S. households.

The report highlights a number of topics, including that renter households are still widely cost-burdened, the nation’s multi-family housing inventory remains tight at the lower end of the market, and federal housing assistance to low-income households continues to fall short of demand. According to JCHS, 20.8 million renter households were cost-burdened, paying more than 30 percent of their income on housing, and nearly 11 million renter households were severely cost-burdened, paying more than 50 percent of their income on housing.

Out of Reach 2018

A minimum-wage worker can't afford a 2-bedroom apartment anywhere in the U.S.

The Out of Reach report shows the Housing Wage for every state, metropolitan area, and county in the country. The Housing Wage is the hourly wage a full-time worker must earn to afford a modest rental home without spending more than 30% of his or her income on housing costs. The report compares the Housing Wage to average renter wages and minimum wages, as well as wages in the fast-growing occupations, nationally. The report also shows how many hours an individual must work each week for all 52 weeks per year at the prevailing minimum wage to afford a modest one- and two-bedroom apartment at the Fair Market Rent. Out of Reach 2018 also provides Housing Wages for ZIP codes in metropolitan areas.

2018 Fair Housing Trends Report

Making every neighborhood a place of opportunity

Housing Needs of American Indians and Alaska Natives in Tribal Areas

A Report From the Assessment of American Indian, Alaska Native, and Native Hawaiian Housing Needs

Assessment of American Indian and Alaska Native housing conditions in tribal areas.

Designing and Operating Homeownership Programs on Tribal Lands

A comprehensive overview of the steps required to create homeownership programs on tribal lands.

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Affordable Housing Act and Plans

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Housing plans, strategic plans, fair housing information and more.

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Revenue Bond Official Statements

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NIBP Monthly Reporting

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All RFP Templates and Links

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Home Rehabilitation RFP

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Mortgage Servicing Legal Services RFP

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Energy$mart RFP

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MFA Resources

Donate to MFA's Affordable Housing Charitable Trust and receive generous tax credits.

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MFA's Housing Services Directory has listings for housing professionals across the state.

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Request up to two copies of MFA's Housing Services Directory at no charge.

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New Mexico Consolidated Plan

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New Mexico Annual Action Plan

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Analysis of Impediments to Fair Housing Choice

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