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2016 HOME Program
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2016 HOME Program
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' • Individuals with Limited English Proficiency—languages spoken across the county show <br /> significant diversity. More than half of non-native English speakers report speaking English less <br /> 1 than very well. Limited capacity to communicate hinders access to housing and public services <br /> that promote fair housing. <br /> ' • Protected Class Status& Unemployment—significant variation exists in the unemployment rate <br /> of the county and cities across gender, race, and ethnicity. Unemployment has severe <br /> implications for fair housing as it effects disposable income for household expenses. <br /> • Housing Rental Costs—disparity exists between the salary earned by minimum wage laborers <br /> and the fair market rent (FMR) established by HUD. The FMR for a 2-BR apartment is$714.A <br /> minimum wage laborer must work 76 hours a week to afford the rent. <br /> • Housing Affordability-disparity exists in the affordability of housing. Median housing values <br /> have increased while median income has decreased.There is a disparity in the affordability of a <br /> house across race/ethnicity with the housing prices of the area. <br /> • Protected Class Status & Household Size -the majority of minority families have three or more <br /> persons within their households; however, rentals are primarily 1-BR and 2-BR units. Lower <br /> rates of home ownership among minority households suggests that large minority families may <br /> have difficulty finding adequate rental housing with a sufficient number of bedrooms, which <br /> ' may result in overcrowding. <br /> • Opportunities to File Fair Housing Complaints -St.Joseph County and South Bend and <br /> Mishawaka have public ordinances to protect and enforce fair housing for residents. Lack of <br /> awareness of these ordinances and lack of consistency in handling complaints can lead to <br /> disparities in treatment across jurisdictions. <br /> ' • Unsupported Section 8 Vouchers- both the Housing Authority of Mishawaka and the St.Joseph <br /> County Housing Authority report waiting lists for Section 8 Housing Voucher assistance. <br /> • Housing Authority of South Bend -the Housing Authority of South Bend (HASB) was not <br /> available for interview. Other interviewees referenced reduced hours of operation and services <br /> due to financial constraints and organizational problems. Internal problems within HASB can <br /> limit the access of residents to housing services. <br /> • Public Transit-South Bend and Mishawaka offer public transportation for their residents. <br /> Limited nighttime hours may restrict the commuting ability of second and third shift laborers <br /> and limited access to public transportation outside of city limits may limit the commute and <br /> access to services of low-mod income populations in the county. <br /> • Denial of Mortgage Applications-an impediment to fair housing is seen in the ability of lower <br /> income and minority households to obtain home loans.The primary causes of denial were <br /> related to the household's income. The rate of denial for Blacks and Asians remains higher than <br /> the rate for Whites. Hispanic households were also challenged as their denial rate has increased. <br /> CAPER 25 <br /> OMB Control No:2506-0117(exp.07/31/2015) <br />
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