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FY 2025-2029 Five-Year Consolidated Plan City of South Bend, IN <br /> NA-25 Disproportionately Greater Need: Housing Cost Burdens - 91.405, <br /> 91.205 (b)(2) <br /> Assess the need of any racial or ethnic group that has disproportionately greater need in comparison to the <br /> needs of that category of need as a whole. <br /> Introduction <br /> During the planning process for the preparation of this Five-Year Consolidated Plan, an evaluation and <br /> comparison was made to determine if any racial or ethnic group is disproportionately affected by housing <br /> problems in the City and County. Disproportionately greater need is defined as a group having at least 10 <br /> percentage points higher than the percentage of persons as a whole. <br /> The greatest housing problem facing St. Joseph County is the lack of quality affordable housing and the <br /> fact that many of the City and County's lower income households are paying more than 30%of their total <br /> household income on housing related costs. The following information was noted: 8,445 White households <br /> were cost burdened by 30% to 50%, and 6,423 White households were severely cost over burdened by <br /> greater than 50%;2,304 Black/African American households were cost burdened by 30%to 50%,and 2,690 <br /> Black/African American households were severely cost burdened by greater than 50%; 189 Asian <br /> households were cost burdened by 30%to 50%,and 268 Asian households were severely cost burdened by <br /> greater than 50%; 120 American Indian/Alaska Native households were severely cost burdened by 30 to <br /> 50% and 34 were severely cost burdened by greater than 50%; and lastly, 869 Hispanic households were <br /> cost burdened by 30%to 50%, and 575 Hispanic households were severely cost burdened by greater than <br /> 50%. <br /> Housing Cost Burden <br /> Housing Cost Burden <=30% 30-50% >50% No/negative <br /> income(not <br /> computed) <br /> Jurisdiction as a whole 72,551 12,098 10,231 2,019 <br /> White 60,475 8,445 6,423 956 <br /> Black/African <br /> American 6,490 2,304 2,690 845 <br /> Asian 1,225 189 268 165 <br /> American Indian, <br /> Alaska Native 156 120 34 4 <br /> Pacific Islander 44 0 0 0 <br /> Hispanic 3,243 869 575 34 <br /> Table 21—Greater Need: Housing Cost Burdens AMI <br /> Data 2016-2020 CHAS <br /> Source: <br /> Discussion <br /> OMB Control No:2506-0117(exp.07/31/2025) 76 <br />