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21 <br /> "disproportionately greater need" is identified when the rate of severe housing problems for a group <br /> exceeds the countywide average by more than 10 percentage points. <br /> The analysis uses data from the 2017-2021 Comprehensive Housing Affordability Strategy(CHAS) <br /> and categorizes findings by household income levels. For households earning 0-30%of the Area <br /> Median Income (AMI),those with no or negative income but no other severe housing problems are <br /> excluded to ensure a clearer focus on housing-related challenges.The tables below detail the <br /> prevalence of severe housing problems across groups, providing insight into how these issues <br /> affect different racial and ethnic populations in the county. <br /> Discussion <br /> Based on the most recent data,we observe that severe housing problems in Orange County <br /> decrease as income increases,following expected trends.Among households earning!-30%of the <br /> HUD Area Median Family Income(HAMFI), 42.3%experience at least one severe housing problem, <br /> compared to just 6.1%of households earning>80%-100% HAMFI.This underscores the acute <br /> housing challenges faced by extremely low-income households, many of whom struggle with <br /> severe cost burdens, overcrowding, or inadequate housing conditions. <br /> Renters are significantly more likely than homeowners to face severe housing problems, <br /> particularly among low-income households(!-50% HAMFI). 67%of renter households in this <br /> income range report at least one severe housing problem, compared to 44.38%of owners. Still,the <br /> absolute numbers show that housing problems exist at all income levels and impact the residents <br /> on a large scale. <br /> NA-25 Disproportionately Greater Need: Housing Cost Burdens - 91 .405, <br /> 91 .205 (b)(2) <br /> Introduction <br /> This section examines whether any racial or ethnic group in Orange County experiences a <br /> disproportionately high housing cost burden.A disproportionate burden is defined as a racial or <br /> ethnic group having a housing cost burden rate that exceeds the countywide average by more than <br /> ten percentage points. <br /> In Orange County, approximately 45%of households are cost-burdened, meaning they spend more <br /> than 30%of their income on housing costs. Based on this threshold, none of the largest racial or <br /> ethnic groups in the county meet the criteria for being disproportionately cost-burdened.This <br /> suggests that,while housing affordability remains a significant challenge across the county,the <br /> burden is distributed relatively evenly among the major racial and ethnic groups. <br /> Discussion <br /> None of the major racial or ethnic groups in Orange County meet the criteria for being <br /> disproportionately cost-burdened; it is notable that over 45%of households in the county spend <br /> more than 30%of their income on housing costs.Among these,African American households are <br /> more likely to experience cost burdens compared to other racial or ethnic groups. In contrast, <br /> 18 <br />