9978-09 Appropriating $2,463,435 from Community Development (Fund 212), defraying expenses of CED

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St. Joseph County Housing Consortium Housing Needs (91.205) *Please also refer to the Housing Needs Table in the Needs.xls workbook 1. Describe the estimated housing needs projected for the next five year period for the following categories of persons: extremely low-income, low-income, moderate-income, and middle-income families, renters and owners, elderly persons, persons with disabilities, including persons with HIV/AIDS and their families, single persons, large families, public housing residents, victims of domestic violence, families on the public housing and section 8 tenant-based waiting list, and discuss specific housing problems, including: cost-burden, severe cost- burden, substandard housing, and overcrowding (especially large families). 2. To the extent that any racial or ethnic group has a disproportionately greater need for any income category in comparison to the needs of that category as a whole, the jurisdiction must complete an assessment of that specific need. For this purpose, disproportionately greater need exists when the percentage of persons in a category of need who are members of a particular racial or ethnic group is at least ten percentage points higher than the percentage of persons in the category as a whole. South' Bend '[Insert housing needs narrative and table.] Mishawaka According to information collected in the 2000 U.S. Census and disseminated through the Comprehensive Housing Affordability Data (CHAS), out of the 20,248 households in the City of Mishawaka, the number of households in need is 4,452 (22.0%). These households report paying more than 30°!0 of their income on housing costs, live in overcrowded conditions (>1.01 persons per room), and/or reside in a unit without complete kitchen or plumbing facilities. Cost Burden: In the Housing Needs Table, 24 categories based on income and family size are indicated. For the City of Mishawaka, in ten of those categories, > 50°l0 of the households present a cost burden of > 30% of their annual income. Seventy percent of these households are renters. As would be expected, these households all fall below 50% MFI. One group out of the 24 categories, "Renter -All Other Households <=30% MFI", indicates a severe housing cost burden (> 50%). It is likely that this category consists mainly of Bethel College, University of Notre Dame and Indiana University South Bend students, and therefore does not accurately reflect the housing cost burden of that group. Sub-Standard Housing: Per the 2000 U.S. Census, the majority of housing in the City of Mishawaka (54.8%) was constructed prior to 1970. A full quarter of the housing was built pre-1940. The majority of this older housing is found in the City's central downtown area, surrounding the former sites of large manufacturing companies. As is typical of similar 2010-2014 Housing and Community Development Plan 28