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MINUTES - Draft ORANGE COUNTY BOARD OF HEALTH January 30, 2019 S:\Managers Working Files\BOH\Agenda & Abstracts\2019 Agenda & Abstracts/ January Page 2 A. Affordable Housing Coalition Report Robert Dowling and Delores Bailey, both of the OC Affordable Housing Coalition (OCAHC), provided an update on the housing crisis in OC. Below are some highlights. • OCAHC was formed in 2013 to highlight the needs and opportunities for increasing housing affordability in OC and to foster communication and collaboration among housing providers and advocates. OCAHC members include non-profit housing developers, social service providers, advocacy groups, and local government partners. • The Affordable Housing Summit occurred in February of 2018. A summit report was created based on the presentation delivered at the summit and the brainstorming conversations that followed. The summit report was released this past October. The report contained the following sections: o An introduction to the coalition and a description of the purpose of the summit o An overview of the current state of affordable housing o A summary of the small group discussions that occurred after the summit presentation. The group’s discussion generated innovative solutions on how we can all make a difference. The solutions were organized into the following four areas:  Collaboration and Partnerships  Imagining New and Creative Ideas  Increasing Communication and Education  Better Utilization of Resources • Affordable housing is housing in which occupants pay no more than 30% of their gross monthly household income. • The Area Median Income, or AMI, is generated by the US Department of Housing and Urban Development (HUD) to determine who is eligible for certain housing. o Households making 0-30% of AMI are considered extremely low income. o Those making 30-50% of AMI are considered very low income. o Those making 50-80% of AMI are considered low income. o All households making less than 80% of AMI are eligible for income-based housing or “affordable housing”. • 1 in 3 OC households are “cost-burdened” which means they are spending more than 30% of their income on housing. • There are large income disparities by race and ethnicity as well as disparities for proportion of income spent on housing based on age. Income for African-Americans and Hispanic/Latino households are much lower than other groups. For African-Americans, there is a high percentage of households with incomes less than 30% of the AMI. One- third of African-American households are making less than 30% of AMI. • There are large income disparities by age with seniors being the most cost burdened age group; 28% of senior homeowners and 56% of senior renters are cost burdened. • Of the 56,474 housing units in Orange County, approximately 1,700 are permanently affordable (about 3%). • Types of affordable housing: o There is affordable housing that is income restricted. This is housing that is intentionally developed as affordable and is only available to households that meet specific income limits also known as subsidized housing. o Market Rate Affordable Housing, also known as Naturally Occurring Affordable Housing or NOAH, is housing that is not income restricted, but it is affordable based on the price point. This makes up the majority of affordable housing in the U.S.