HomeMy WebLinkAboutHousing and Community Development Plan- St. Joseph County Housing Consortium
HOUSING AND
COMMUNITY
DEVELOPMENT
PLAN
2015-2019
St. Joseph County
Housing Consortium
City of South Bend
City of Mishawaka
St. Joseph County
Consolidated Plan SOUTH BEND 2
OMB Control No: 2506-0117 (exp. 07/31/2015)
Executive Summary
ES-05 Executive Summary - 91.200(c), 91.220(b)
1. Introduction
The 2015-2019 five-year Housing and Community Development Plan (HCD Plan) of the St. Joseph County
Housing Consortium indicates the priority needs and related objectives to support strong neighborhood
revitalization activity in St. Joseph County. The priority needs and objectives are outlined in the HCD
Plan under the following categories: Housing, Non-Housing Community Development, Homeless, and
Non-Homeless Special Needs.
The City of South Bend anticipates receiving an estimated $2,600,000 in federal resources for
Community Development Block Grant (CDBG) and Emergency Shelter Grant (ESG) each year.
2. Summary of the objectives and outcomes identified in the Plan
Specific to CDBG funding, all of the activities are meant to coordinate with the geographic priorities of
the Vacant and Abandoned Housing Initiative and the West Side Corridors Plan. A preference will be
given to activities targeting the Lincolnway West Corridor and neighbohrod areas to the north and south
of Lincoln Way West in an attempt to be complementary and work together. The City of South Bend has
targeted the specific portions of the Near Northwest (Census Tract 6) and Near West Side (Census Tract
19) for programs that support existing owner occupants, promote first time homebuyers, provide for
the renovation of quality rental properties, and allow for the demolition of vacant and abandoned
structures in these areas. These neighborhoods show relatively low incomes and high concentrations of
poverty, high rates of residential vacancy and abandonment, and a high incidence of sub-prime
loans. The target areas, adjacent to downtown, are also areas that have begun to see some
redevelopment activity by local non-profit housing organizations and private developers.
Additionally, preference will also be given to the area bounded by Sample, Miami, Ewing and Michigan
Streets. This geography is the target area for a planning initiative launched by the City in partnership
with the new 466 Works organization. In addition to these target areas, the City of South Bend will focus
on services to the homeless and the prevention of homelessness nthoughout the community.
The 2015-2019 funding plan follows the basic parameters of previous plans, with emphasis on the
physical nature of revitalization activities as they relate to affordable housing. A strong emphasis on
neighborhood revitalization through partnerships with community development corporations,
rehabilitation of owner-occupied homes, and homeownership opportunities will occur.
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The HOME Program anticipates an estimated $700,000 for housing programs throughout St. Joseph
County for each of the next 5 years. The HOME program will exceed the 25 percent match requirements
through private funding and project sponsors.
The ESG Program in the City of South Bend is allocated an estimated $190,000 yearly for emergency
shelter and rapid rehousing activities. ESG grant matching requirements will be satisfied using funds
from other federal, state, and private dollars.
Numerous sources of funding are expected to be available to supplement the federal dollars for
Supporting Homeowners and Helping Renters become Homeowners. In addition to annual CDBG and
HOME funds, Neighborhood Stabilization Program (NSP1 and 3) program income, private local financial
institution support, and general community donations are anticipated. A consortium of six local financial
institutions will continue to pool resources to provide mortgage assistance to new homeowners through
the Community Homebuyers Corporation (CHC) program. Rebuilding Together will rehab homes with
CDBG dollars and local labor and material donations. South Bend Home Improvement Program (SBHIP)
will rehab owner-occupied homes with CDBG.
Housing counseling will be made available through CDBG, South Bend city resources and state dollars via
the Indiana Foreclosure Prevention Network. Additionally, in 2011, the Hardest Hit Funds Program was
added to the tool box of assistance to those in foreclosure trouble. All of these funding sources allow the
counseling activity that supports the efforts for homeownership as noted previously. Over 200
households are expected to attend a counseling session and or class annually.
3. Evaluation of past performance
CDBG funds are used to ameliorate the impact of foreclosed, vacant and/or abandoned homes in South
Bend's low-moderate income neighborhoods through a demolition program. Demolitions will continue
to be funded with CDBG.
The City has a long history of successfully partnering with Community Development Corporations
(CDCs) to create affordable housing, both rental and owner-occupied. This partnership also provided the
means to create community meeting spaces and improve public facilities in low-mod income
neighborhoods. In addition, the City administers an owner-occupied home rehab program, and annually
provides additional homeowner assistance with CDBG funds to Rebuilding Together for home rehabs.
Direct homeownership assistance was provided to low-mod income first-time homebuyers through the
Community Homebuyers Corporation forgivable 2nd mortgage program.
To ensure compliance with applicable requirements, every CDBG, HOME and ESG subrecipient is
desktop-monitored multiple times throughout the year. This monitoring occurs with each claim for
reimbursement that is submitted to the Department of Community Investment (DCI). All subrecipients
receive feedback and/or guidance via email and phone communication, and in-person meetings with DCI
staff. In addition, DCI staff conduct at least eight (8) on-site monitoring visits of sub-grantees every year
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to review their internal systems. As part of the monitoring visit, DCI staff meets with appropriate
members of the sub-grantee staff to review procedures, client files, financial records and other
pertinent data. Any new sub-recipient is monitored in their first year of funding.
Promoting Quality Rental Property is realized with the PHA's Section 8 vouchers, as well as HOME funds
for Tenant Based Rental Assistance and improvements to previously assisted rental units in St. Joseph
County.
Efforts to prevent homelessness and assist the homeless is supported with Emergency Solutions Grant
(ESG) funds, as well as HEARTH McKinney-Vento Homeless funds. ESG funding has been allocated for
operations of emergency shelters, outreach, rapid re-housing, homeless prevention and program
administration.
4. Summary of citizen participation process and consultation process
On May 6, 2014 the notice of the public hearings to kick-off the 2015-2019 HCD Plan process was
published in the South Bend Tribune and El Puente, and was also available on the City of South Bend
website. Two public meetings were held May 20, 2014 at different locations and at different times of the
day to accommodate a variety of schedules. The afternoon meeting was held at Mishawaka City Hall,
and the evening meeting was held at the LaSalle Branch of the St. Joseph County Public Library in South
Bend. The May 20th meeting in South Bend was coordinated with a local citizen group Community
Forum for Economic Development (CFED) meeting.
An additional meeting was held to discuss the homeless issue on July 22, 2014. Ths meeting was held in
the downtown public library.
On July 14, 2014 the notice of the public hearings was sent to all organizations on the HCD mailing list.
The notice was published in the South Bend Tribune and El Puente, and also available on the City of
South Bend website. Two public meetings were held on July 28, 2014 at different locations and at
different times of the day to accommodate a variety of schedules. The City of Mishawaka public
meeting addressed Mishawaka CDBG application procedures, as well as City of South Bend CDBG and
ESG proposal processes. St. Joseph County Housing Consortium procedures for applying for HOME
funding were also addressed. The City of South Bend meeting addressed South Bend CDBG and ESG
proposal processes and St. Joseph Housing Consortium HOME application procedures. There was
discussion at both meetings regarding the 2015-2019 HCD Plan and 2015 Action Plan schedules and
processes. Meeting notices were sent to the La Casa de Amistad, a local Hispanic organization, for
appropriate notification to their clients.
The proposed 2015-2019 Housing and Community Development Plan wwill be available for review
September 25, 2014, for a thirty (30) day period, ending October 24, 2014. Comments will be accepted
during those 30 days and will be considered when developing the Final HCD and 2015 Action Plans. Two
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public hearings (one in Mishawaka and one in South Bend) are scheduled to be held, October 8,
2014, during the public comment period.
5. Summary of public comments
A summary of public comments is attached.
6. Summary of comments or views not accepted and the reasons for not accepting them
All comments and views were accepted.
7. Summary
A summary of public comments is attached.
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The Process
PR-05 Lead & Responsible Agencies - 91.200(b)
1. Describe agency/entity responsible for preparing the Consolidated Plan and those
responsible for administration of each grant program and funding source
The following are the agencies/entities responsible for preparing the Consolidated Plan and
those responsible for administration of each grant program and funding source.
Agency Role Name Department/Agency
Lead Agency SOUTH BEND
CDBG Administrator SOUTH BEND Department of Community
Investment
HOPWA Administrator
HOME Administrator SOUTH BEND Department of Community
Investment
ESG Administrator SOUTH BEND Department of Community
Investment
HOPWA-C Administrator SOUTH BEND Community Development
Table 1 – Responsible Agencies
Narrative
The St. Joseph County Housing Consortium represents three jurisdictions: St. Joseph County, and the
cities of South Bend and Mishawaka. The City of South Bend's Department of Community Investment
serves as the lead agency and administrator for the Consortium HOME funds. The cities of South Bend
and Mishawaka administer their own Community Development Block Grant (CDBG) programs. Only the
City of South Bend receives Emergency Solutions Grant (ESG) program funding.
Consolidated Plan Public Contact Information
Questions, comments and concerns regarding the 2015-2019 HCD Plan may be directed to:
Pamela Meyer, Director of Neighborhood Engagement
City of South Bend Department of Community Investment
227 W. Jefferson Blvd.
South Bend, IN 46601
(574) 235-5845 or pmeyer@southbendin.gov
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PR-10 Consultation - 91.100, 91.200(b), 91.215(l)
1. Introduction
The HCD Plan is prepared in consultation with community, governmental, public housing authorities,
and nonprofit service and neighborhood organizations. Several federal, state and regional sources for
information on economic, health, assisted housing, and social service issues are utilized. Dialogue with
local sub-grantees and the Continuum of Care (CoC) is on-going.
Provide a concise summary of the jurisdiction’s activities to enhance coordination between
public and assisted housing providers and private and governmental health, mental health
and service agencies (91.215(I)).
The City has a seat on the CoC and attends meetings regularly. The Continuum continues to be very
active in working cooperatively to apply for relevant grants, and to assess their funding
opportunities/challenges. State policy to exclude St. Joseph County agencies from applying for State ESG
funds is a recognized issue that has impacted the community and the agencies. The Continuum
continues to advise local and state elected officials as to the real impact of this decision.
Regular CoC participants include: Oaklawn Psychiatric Center, which works primarily with mental illness
issues; AIDS Ministries/AIDS Assist, which provides services to HIV/AIDS patients; Youth Service Bureau,
which services unaccompanied youth under the age of 25; YWCA, a domestic violence shelter; Dismas
House, which serves ex-offenders; the Center for the Homeless which provides services to homeless
persons/families; Life Treatment Centers, which treats persons with substance addictions; and, the
Veterans Administration, serving the veteran population. In addition, regular meetings and/or
discussions with representatives of local housing authorities, the Housing Assistance Office, Near
Northwest Neighborhood, REAL Services, the St. Joseph County Health Department and South Bend
Heritage Foundation take place.
Describe coordination with the Continuum of Care and efforts to address the needs of
homeless persons (particularly chronically homeless individuals and families, families with
children, veterans, and unaccompanied youth) and persons at risk of homelessness
The City and Continuum discussed and agreed that the ESG funds would be used to assist nonprofit
organizations that provide assistance to homeless individuals and families by supporting the following:
Broadening existing shelter activities.
Emphasizing Rapid Re-housing (helping individuals and families who are literally homeless [in a
shelter or sleeping in a place not meant for human habitation]) to quickly access permanent
housing.
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Helping people quickly regain stability in permanent housing after experiencing a housing crisis
and/or homelessness.
Aligning the ESG program with other HUD programs.
Supporting more coordinated and effective data collection, performance measurement, and
program evaluation.
Describe consultation with the Continuum(s) of Care that serves the jurisdiction's area in
determining how to allocate ESG funds, develop performance standards and evaluate
outcomes, and develop funding, policies and procedures for the administration of HMIS
The proposed performance standards are based on the regulations, desired outcomes, and experience
with HPRP. The Center for the Homeless has been and continues to be the Continuum's lead agency
with regard to HMIS. The Center maintains an individual as the lead point person who can assist with
training and any HMIS issues. The Center contracts directly with Client Track for HMIS service. All HMIS
users follow confidentiality and privacy requirements.
2. Describe Agencies, groups, organizations and others who participated in the process
and describe the jurisdictions consultations with housing, social service agencies and other
entities
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Table 2 – Agencies, groups, organizations who participated
1 Agency/Group/Organization NEAR NORTHWEST NEIGHBORHOOD, INC.
Agency/Group/Organization Type Housing
Neighborhood Organization
What section of the Plan was addressed
by Consultation?
Housing Need Assessment
Market Analysis
How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Consultation occurred through St. Joseph Housing
Consortium meetings and one-on-one discussions
between NNN and DCI staff. It is anticipated that a
clear understanding of geographic and
programmatic priorities will allow the NNN to
respond accordingly to the application/RFP process.
It is also anticipated that consultation about revised
processes and requirements will optimize
compliance with regulations.
2 Agency/Group/Organization SOUTH BEND HERITAGE FOUNDATION
Agency/Group/Organization Type Housing
Neighborhood Organization
What section of the Plan was addressed
by Consultation?
Housing Need Assessment
Market Analysis
How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Consultation occurred through St. Joseph County
Housing Consortium meetings and regularly
scheduled meetings with SBHF/NNRO and DCI staff.
It is anticipated that a clear understanding of
geographic and programmatic priorities will allow
SBHF/NNRO to respond accordingly to the
application/RFP process. It is also anticipated that
consultation about revised processes and
requirements will optimize compliance with
regulations.
3 Agency/Group/Organization HABITAT FOR HUMANITY OF ST. JOSEPH COUNTY
Agency/Group/Organization Type Housing
What section of the Plan was addressed
by Consultation?
Housing Need Assessment
Market Analysis
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How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Consultation occurred through St. Joseph Housing
Consortium meetings and one-on-one discussions
between Habitat and DCI staff. It is anticipated that
a clear understanding of geographic and
programmatic priorities will allow Habitat to
respond accordingly to the application/RFP process.
It is also anticipated that consultation about revised
processes and requirements will optimize
compliance with regulations.
4 Agency/Group/Organization Center for the Homeless, Inc
Agency/Group/Organization Type Services-homeless
What section of the Plan was addressed
by Consultation?
Housing Need Assessment
Homelessness Strategy
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Continuum of Care
How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Primary consultation occurred through Continuum
of Care meetings. The issues, goals and specific
policies discussed and adopted are the basis for
improved coordination in service delivery,
specifically through the ESG RFP.
5 Agency/Group/Organization YWCA North Central Indiana
Agency/Group/Organization Type Housing
Services-Victims of Domestic Violence
Services-homeless
What section of the Plan was addressed
by Consultation?
Housing Need Assessment
Homelessness Strategy
Continuum of Care
How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Primary consultation occurred through Continuum
of Care meetings. The issues, goals and specific
policies discussed and adopted are the basis for
improved coordination in service delivery,
specifically through the ESG RFP.
6 Agency/Group/Organization YOUTH SERVICE BUREAU
Agency/Group/Organization Type Housing
Services-homeless
Consolidated Plan SOUTH BEND 11
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What section of the Plan was addressed
by Consultation?
Housing Need Assessment
Homelessness Strategy
Homelessness Needs - Unaccompanied youth
Continuum of Care
How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Primary consultation occurred through Continuum
of Care meetings. The issues, goals and specific
policies discussed and adopted are the basis for
improved coordination in service delivery,
specifically through the ESG RFP.
8 Agency/Group/Organization OAKLAWN PSYCHIATRIC CENTER, INC.
Agency/Group/Organization Type Housing
Health Agency
What section of the Plan was addressed
by Consultation?
Housing Need Assessment
Homelessness Strategy
Non-Homeless Special Needs
Continuum of Care
How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Primary consultation occurred through Continuum
of Care Meetings, with some discussion also taking
place at St. Joseph County Housing Consortium
meetings. The issues, goals and specific policies
discussed and adopted are the basis for improved
coordination in service delivery, specifically through
the ESG RFP.
9 Agency/Group/Organization Housing Authority of South Bend
Agency/Group/Organization Type PHA
What section of the Plan was addressed
by Consultation?
Lead-based Paint Strategy
Public Housing Needs
How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Consultation occurred through Continuum of Care
Meetings and one-on-one discussions between
HASB and DCI staff. Improved communication
regarding projects that impact both HASB and City
resources, and continued collaborations such as the
Lead Hazard Control Grant, the City's Home Repair
program and Environmental Reviews are anticipated
outcomes.
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10 Agency/Group/Organization HOUSING ASSISTANCE OFFICE, INC
Agency/Group/Organization Type Housing
PHA
What section of the Plan was addressed
by Consultation?
Housing Need Assessment
Public Housing Needs
How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Consultation occurred through St. Joseph County
Housing Consortium meetings and one-on-one
discussions between HAO and DCI staff. Continued
education and better understanding of program
regulations will allow HAO to have the greatest
impact with limited funds and to best respond to the
application process.
11 Agency/Group/Organization LIFE TREATMENT CENTERS
Agency/Group/Organization Type Services-homeless
Services-Health
What section of the Plan was addressed
by Consultation?
Homelessness Strategy
Continuum of Care
How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Primary consultation occurred through Continuum
of Care meetings. The issues, goals and specific
policies discussed and adopted are the basis for
improved coordination in service delivery,
specifically through the ESG RFP.
12 Agency/Group/Organization AIDS MINISTRIES/AIDS ASSIST
Agency/Group/Organization Type Services-Persons with HIV/AIDS
Services-homeless
What section of the Plan was addressed
by Consultation?
Homelessness Strategy
Continuum of Care
How was the
Agency/Group/Organization consulted
and what are the anticipated outcomes
of the consultation or areas for
improved coordination?
Primary consultation occurred through Continuum
of Care meetings. The issues, goals and specific
policies discussed and adopted are the basis for
improved coordination in service delivery,
specifically through the ESG RFP.
Identify any Agency Types not consulted and provide rationale for not consulting
All relevent agencies were consulted.
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Other local/regional/state/federal planning efforts considered when preparing the Plan
Name of Plan Lead Organization How do the goals of your Strategic Plan overlap with the
goals of each plan?
Continuum of Care The Center for the
Homeless, Inc.
The goals of the Continuum of Care are included in the St.
Joseph County Housing Consortium's Housing &
Community Development Plan.
Table 3 – Other local / regional / federal planning efforts
Describe cooperation and coordination with other public entities, including the State and any
adjacent units of general local government, in the implementation of the Consolidated Plan
(91.215(l))
The 2015-2019 HCD Plan was created in cooperation with the City of Mishawaka.
Narrative
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PR-15 Citizen Participation - 91.401, 91.105, 91.200(c)
1. Summary of citizen participation process/Efforts made to broaden citizen participation
Summarize citizen participation process and how it impacted goal-setting
General-South Bend’s Community Investment staff prepare the HCD Action Plan on behalf of South
Bend and St. Joseph County. The plan analyzes community needs and presents strategies to address
those needs. Mishawaka’s Community Development staff prepare the Mishawaka portion of the plan.
The HCD Plan incorporates recommendations for funding, as well as public comments received. Funding
recommendations are made by the local jurisdictions. Comments are accepted for at least thirty days
after the proposed plan availability, and are considered when developing the Final HCD Action Plan. Two
public hearings (Mishawaka, South Bend) are held during the public comment period.
Notification-Notices of public hearings, comment periods and availability of documents are published as
display ads in the local newspaper of greatest circulation, the South Bend Tribune. The City of South
Bend also publishes its notices in the local Spanish-language newspaper, El Puente. Notices are also
available on the City of South Bend’s web site. Notices are published at least 15 days prior to hearings,
and on or before the first day of the public comment period. Public comment periods last at least 15
days, but no more than 35 days (unless otherwise dictated by HUD).
Public Hearings/Access to Meetings-Two public meetings (Mishawaka, South Bend) are held annually to
discuss housing and community development needs and solicit proposals for CDBG, HOME and ESG
funding. Two public hearings (Mishawaka, South Bend) are held annually at least 10 days after the
Proposed HCD Plan is made available to the public to address the proposed Plan.
Public hearings are held in handicapped accessible locations. Assistance is provided to the extent
possible to those interested in additional information or in need of translation. Hearing impaired citizens
may communicate via TDD.
Access to Information/Opportunity to Comment–Locations of copies of proposed and final HCD Plans
(including the Citizen Participation Plan), Comprehensive Annual Performance & Evaluation Reports
(CAPER) and other appropriate documents are listed in published notices. Plans/documents are also
available on the City of South Bend’s web site.
Citizens may comment, ask questions and receive information at public hearings. Written comments on
the HOME Program, ESG, and the South Bend CDBG Program are directed to South Bend’s Department
of Community Investment. All written comments are answered in writing within 15 working days, where
practical.
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Attachment I "Citizen Engagement" details communication efforts related to the HCD Plan process for
the period March 2014 - October 2014. Comments, emails and letters received from citizens are also
attached. All comments were considered before the HCD Plan was finalized and submitted to HUD.
Changes to Plan/Annual Action Plan-The Citizen Participation Plan is reviewed annually. All comments
received are considered for incorporation in the current year’s Action Plan.
A substantial amendment that prompts the citizen participation process, including public notice and
comment periods, will apply when any of the following changes are made to this Plan:
1. Modifications to budgets of existing planned activities that exceed 28 percent. This includes
reallocations of anticipated funding among existing planned activities and initial allocations of
unanticipated receipts (e.g. program income, returned funds, or supplemental federal
allocations) to existing planned activities;
2. Addition of an activity not previously part of this Plan; or
3. Change of the planned end-use of a site assisted under this Plan.
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Citizen Participation Outreach
Sort Order Mode of Outreach Target of Outreach Summary of
response/attendance
Summary of
comments received
Summary of comments
not accepted
and reasons
URL (If
applicable)
1 Public Meeting Non-English
Speaking - Specify
other language:
Spanish
Non-
targeted/broad
community
Regular attendees
of CFED meetings
A summary of
response/attendance
is included as an
attachment.
A summary of
comments received
is included as an
attachment.
All comments were
accepted.
2 Newspaper Ad Non-English
Speaking - Specify
other language:
Spanish
Non-
targeted/broad
community
A summary of
response/attendance
is included as an
attachment.
A summary of
comments received
is included as an
attachment.
All comments were
accepted.
3 Internet Outreach Non-
targeted/broad
community
A summary of
response/attendance
is included as an
attachment.
A summary of
comments received
is included as an
attachment.
All comments were
accepted.
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Sort Order Mode of Outreach Target of Outreach Summary of
response/attendance
Summary of
comments received
Summary of comments
not accepted
and reasons
URL (If
applicable)
4 Email Continuum of Care A summary of
response/attendance
is included as an
attachment.
A summary of
comments received
is included as an
attachment.
All comments were
accepted.
5 Internet Outreach members of
neighborhood
organizations
A summary of
response/attendance
is included as an
attachment.
A summary of
comments received
is included as an
attachment.
All comments were
accepted.
Table 4 – Citizen Participation Outreach
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Needs Assessment
NA-05 Overview
Needs Assessment Overview
While funds will be directed to other sites across the City of South Bend, they will be targeted to the
neighorhoods north and south of Lincolnway West in coordination with the City's Corridor
Improvements effort. The specific areas in the Near Northwest (Census Tract 6) and Near West Side
(Census Tract 19) show relatively low incomes and high concentrations of poverty, high rates of
residential vacancy and abandonment, and a high incidence of sub-prime loans. The target areas,
adjacent to downtown, are also areas that have begun to see some redevelopment activity, have
greater market potential, and have been areas of focus by local nonprofit housing organizations. It is
anticipated that 42% of the HCD Plan-related funds allocated to South Bend will be devoted to these
two target areas.
Numerous sources of funding are expected to be available to support the various federal funds for
Supporting Homeowners and Helping Renters become Homeowners. In addition to annual CDBG &
HOME funds, Neighborhood Stabilization Program (NSP1 and NSP3 program income), private local
financial institution support, and general community donations are anticipated. A consortium of six local
financial institutions will continue to pool resources to provide mortgage assistance to new
homeowners through the Community Homebuyers Corporation (CHC) program. Rebuilding Together will
rehab homes in 2015 with CDBG dollars and local labor and material donations. South Bend Home
Improvement Program (SBHIP) will rehab owner-occupied homes with CDBG.
Housing counseling will be made available through CDBG, South Bend city resources and state dollars via
the Indiana Foreclosure Prevention Network. Additionally, in 2011, the Hardest Hit Funds Program was
added to the tool box of assistance to those in foreclosure trouble. All of these funding sources allow the
counseling activity that supports the efforts for homeownership as noted previously. Over 200
households are expected to attend a counseling session and or class in 2014.
Promoting Quality Rental Property will be realized with the PHA's Section 8 vouchers, as well as HOME
funds for Tenant Based Rental Assistance.
Efforts to prevent homelessness and assist the homeless will continue to be supported with Emergency
Solutions Grant (ESG) funds, as well as HEARTH McKinney-Vento Homeless funds. 2015 ESG funding will
be allocated as follows: 60% for operations, emergency shelters and outreach, not less than 32.5% for
rapid re-housing and not more than 7.5% for program administration.
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NA-10 Housing Needs Assessment - 24 CFR 91.405, 24 CFR 91.205 (a,b,c)
Summary of Housing Needs
Based on Comprehensive Housing Affordability Data (CHAS), there were 39,790 households in the City of
South Bend in 2009, of which 35.0% (or 14,040) were considered to have a housing problem. A
household is considered to have a housing problem when one or more of the following conditions exist:
Cost burden - pay more than 30% of the household's total income on housing costs (includes
rent/mortgage and utilities);
Overcrowding (more than 1.01 persons per room);
Substandard - lacking complete kitchen facilities;
Substandard - lacking complete plumbing.
PLEASE NOTE: The figures in the "Demographics" chart noted below are generated through the eCon
Planning Suite and are not considered accurate. Summary level CHAS data tables detailing the housing
problems in St. Joseph County in its entirety, South Bend, Mishawaka, St. Joseph County remainder (not
including South Bend and Mishawaka) are attached.
Demographics Base Year: 2000 Most Recent Year: 2009 % Change
Population 154,346 257,226 67%
Households 67,921 97,632 44%
Median Income $0.00 $0.00
Table 5 - Housing Needs Assessment Demographics
Data Source: 2000 Census (Base Year), 2005-2009 ACS (Most Recent Year)
Number of Households Table
0-30%
HAMFI
>30-50%
HAMFI
>50-80%
HAMFI
>80-100%
HAMFI
>100%
HAMFI
Total Households * 11,270 11,524 18,500 11,805
Small Family Households * 3,620 2,929 6,109 30,250
Large Family Households * 639 789 1,614 4,924
Household contains at least one
person 62-74 years of age 1,274 2,089 2,793 1,550 6,123
Household contains at least one
person age 75 or older 1,890 3,603 3,465 1,500 2,843
Households with one or more
children 6 years old or younger * 2,248 1,673 3,162 8,909
* the highest income category for these family types is >80% HAMFI
Table 6 - Total Households Table
Data
Source:
2005-2009 CHAS
Consolidated Plan SOUTH BEND 20
OMB Control No: 2506-0117 (exp. 07/31/2015)
Housing Needs Summary Tables
1. Housing Problems (Households with one of the listed needs)
Renter Owner
0-30%
AMI
>30-
50%
AMI
>50-
80%
AMI
>80-
100%
AMI
Total 0-30%
AMI
>30-
50%
AMI
>50-
80%
AMI
>80-
100%
AMI
Total
NUMBER OF HOUSEHOLDS
Substandard
Housing -
Lacking
complete
plumbing or
kitchen
facilities 135 125 125 10 395 40 60 20 50 170
Severely
Overcrowded -
With >1.51
people per
room (and
complete
kitchen and
plumbing) 20 0 20 4 44 0 0 10 0 10
Overcrowded -
With 1.01-1.5
people per
room (and
none of the
above
problems) 270 170 200 0 640 70 135 125 70 400
Housing cost
burden greater
than 50% of
income (and
none of the
above
problems) 4,220 1,264 175 45 5,704 2,355 1,643 799 285 5,082
Consolidated Plan SOUTH BEND 21
OMB Control No: 2506-0117 (exp. 07/31/2015)
Renter Owner
0-30%
AMI
>30-
50%
AMI
>50-
80%
AMI
>80-
100%
AMI
Total 0-30%
AMI
>30-
50%
AMI
>50-
80%
AMI
>80-
100%
AMI
Total
Housing cost
burden greater
than 30% of
income (and
none of the
above
problems) 695 2,000 2,254 145 5,094 600 1,930 3,099 1,525 7,154
Zero/negative
Income (and
none of the
above
problems) 695 0 0 0 695 279 0 0 0 279
Table 7 – Housing Problems Table
Data
Source:
2005-2009 CHAS
2. Housing Problems 2 (Households with one or more Severe Housing Problems: Lacks kitchen
or complete plumbing, severe overcrowding, severe cost burden)
Renter Owner
0-30%
AMI
>30-
50%
AMI
>50-
80%
AMI
>80-
100%
AMI
Total 0-30%
AMI
>30-
50%
AMI
>50-
80%
AMI
>80-
100%
AMI
Total
NUMBER OF HOUSEHOLDS
Having 1 or
more of four
housing
problems 4,645 1,549 520 60 6,774 2,465 1,838 954 405 5,662
Having none of
four housing
problems 2,015 3,200 6,535 3,000 14,750 1,165 4,954 10,490 8,350 24,959
Household has
negative
income, but
none of the
other housing
problems 695 0 0 0 695 279 0 0 0 279
Table 8 – Housing Problems 2
Data
Source:
2005-2009 CHAS
Consolidated Plan SOUTH BEND 22
OMB Control No: 2506-0117 (exp. 07/31/2015)
3. Cost Burden > 30%
Renter Owner
0-30%
AMI
>30-50%
AMI
>50-80%
AMI
Total 0-30%
AMI
>30-50%
AMI
>50-80%
AMI
Total
NUMBER OF HOUSEHOLDS
Small Related 1,985 1,103 949 4,037 830 1,249 1,364 3,443
Large Related 375 305 135 815 109 329 517 955
Elderly 710 893 430 2,033 1,385 1,519 839 3,743
Other 2,134 1,094 1,010 4,238 699 609 1,220 2,528
Total need by
income
5,204 3,395 2,524 11,123 3,023 3,706 3,940 10,669
Table 9 – Cost Burden > 30%
Data
Source:
2005-2009 CHAS
4. Cost Burden > 50%
Renter Owner
0-30%
AMI
>30-50%
AMI
>50-
80%
AMI
Total 0-30%
AMI
>30-50%
AMI
>50-
80%
AMI
Total
NUMBER OF HOUSEHOLDS
Small Related 1,695 324 60 2,079 770 664 289 1,723
Large Related 325 85 0 410 85 75 104 264
Elderly 535 453 125 1,113 930 609 130 1,669
Other 1,899 445 55 2,399 629 300 285 1,214
Total need by
income
4,454 1,307 240 6,001 2,414 1,648 808 4,870
Table 10 – Cost Burden > 50%
Data
Source:
2005-2009 CHAS
5. Crowding (More than one person per room)
Renter Owner
0-
30%
AMI
>30-
50%
AMI
>50-
80%
AMI
>80-
100%
AMI
Total 0-
30%
AMI
>30-
50%
AMI
>50-
80%
AMI
>80-
100%
AMI
Total
NUMBER OF HOUSEHOLDS
Single family
households 285 125 165 4 579 70 110 120 45 345
Multiple,
unrelated family
households 4 45 55 0 104 15 25 15 10 65
Consolidated Plan SOUTH BEND 23
OMB Control No: 2506-0117 (exp. 07/31/2015)
Renter Owner
0-
30%
AMI
>30-
50%
AMI
>50-
80%
AMI
>80-
100%
AMI
Total 0-
30%
AMI
>30-
50%
AMI
>50-
80%
AMI
>80-
100%
AMI
Total
Other, non-family
households 0 0 0 0 0 0 0 0 15 15
Total need by
income
289 170 220 4 683 85 135 135 70 425
Table 11 – Crowding Information - 1/2
Data
Source:
2005-2009 CHAS
Renter Owner
0-
30%
AMI
>30-
50%
AMI
>50-
80%
AMI
Total 0-
30%
AMI
>30-
50%
AMI
>50-
80%
AMI
Total
Households with
Children Present 0 0 0 0 0 0 0 0
Table 12 – Crowding Information – 2/2
Data Source
Comments:
Describe the number and type of single person households in need of housing assistance.
Per the 1/29/14 PIT count:
Chronically Homeless: 37
Adults with a Serious Mental Illness: 86
Adults with a Substance Abuse Use Disorder: 122
Adults with HIV/AIDS: 18
Victims of Domestic Violence: 95
Estimate the number and type of families in need of housing assistance who are disabled or
victims of domestic violence, dating violence, sexual assault and stalking.
Based on the PIT of 1/29/14 there were 93 sheltered and 2 unsheltered victims of domestic violence. It
is estimated the actual number is higher to account for those who chose not to report the DV issue.
What are the most common housing problems?
St. Joseph County Entirety: Twenty-seven percent (27%) of households (27,785) in the entire county
spend more than 30% of their total income on housing costs, making Housing Cost Burden the most
common housing problem in St. Joseph County.
Consolidated Plan SOUTH BEND 24
OMB Control No: 2506-0117 (exp. 07/31/2015)
South Bend: Thirty-three percent (33%) of households (13,285) spend more than 30% of their total
income on housing costs, making Housing Cost Burden the most common housing problem in the City of
South Bend.
Mishawaka: Thirty-three percent (33%) of households (6,850) spend more than 30% of their total
income on housing costs, making Housing Cost Burden the most common housing problem in the City of
Mishawaka.
St. Joseph County Remainder: Nineteen percent (19%) of households (7,650) spend more than 30% of
their total income on housing costs, making Housing Cost Burden the most common housing problem in
St. Joseph County remainder (excluding South Bend and Mishawaka).
Are any populations/household types more affected than others by these problems?
Hispanic households were most likely to experience a housing problem with 72.6% reporting at least
one problem in 2011. This compares to 61.6% of White households and 68.6% of Black/African-
American households.
Describe the characteristics and needs of Low-income individuals and families with children
(especially extremely low-income) who are currently housed but are at imminent risk of
either residing in shelters or becoming unsheltered 91.205(c)/91.305(c)). Also discuss the
needs of formerly homeless families and individuals who are receiving rapid re-housing
assistance and are nearing the termination of that assistance
The needs for these two groups are similar. Both deal with the issues of being undereducated making it
difficult to obtain employment. Additional needs include:
Affordable child care
Reliable/affordable transportation
General life skills
The group currently receiving rapid re-housing assistance has a need for continued assistance given
many still have difficulty finding long term and stable employment, as well as the lack of
affordable/decent housing options.
If a jurisdiction provides estimates of the at-risk population(s), it should also include a
description of the operational definition of the at-risk group and the methodology used to
generate the estimates:
The PIT and unanswered need for service is usually used to generate estimates of housing need. The
operational definition is "Living in a shelter, 'couch surfing' or living place to place, or residing in a place
not meant for human habitation".
Consolidated Plan SOUTH BEND 25
OMB Control No: 2506-0117 (exp. 07/31/2015)
Specify particular housing characteristics that have been linked with instability and an
increased risk of homelessness
In addiiton to overcrowding in the household, domestic violence and substance abuse, issues such as
mental illness, physical and/or sexual abuse, re-entry from incarceration, HIV/Aids, Veterans, and lack
of relationship social supports creates instability.
Discussion
Consolidated Plan SOUTH BEND 26
OMB Control No: 2506-0117 (exp. 07/31/2015)
NA-15 Disproportionately Greater Need: Housing Problems - 91.405, 91.205
(b)(2)
Assess the need of any racial or ethnic group that has disproportionately greater need in comparison to
the needs of that category of need as a whole.
Introduction
A household is considered to have a housing problem when one or more of the following conditions
exist:
Cost burden - pay more than 30% of the household's total income on housing costs (includes
rent/mortgage and utilities);
Overcrowding (more than 1.01 persons per room);
Substandard - lacking complete kitchen facilities;
Substandard - lacking complete plumbing.
St. Joseph County Entirety:
Households with 0 to 30% area median income (AMI): 74.56% have at least one of the four
housing problems
Households with 30% to 50% AMI: 62.93% have at least one of the four housing problems
Households with 50% to 80% AMI: 36.81% have at least one of the four housing problems
Households with 80 to 100% AMI: 18.03% have at least one of the four housing problems
For all income categories all races are equally represented in the total population and in the population
experiencing one or more of the housing problems, no race has a disproportionately greater need.
City of South:
Households with 0 to 30% area median income (AMI): 73.33% have at least one of the four
housing problems
Households with 30% to 50% AMI: 68.02% have at least one of the four housing problems
Households with 50% to 80% AMI: 36.68% have at least one of the four housing problems
Households with 80 to 100% AMI: 13.47% have at least one of the four housing problems
Hispanic households were most likely to experience a housing problem with 72.6% reporting at least
one problem in 2011. This compares to 61.6% of White households and 68.6% of Black/African-
American households.
Consolidated Plan SOUTH BEND 27
OMB Control No: 2506-0117 (exp. 07/31/2015)
City of Mishawaka:
Households with 0 to 30% area median income (AMI): 77.14% have at least one of the four
housing problems
Households with 30% to 50% AMI: 65.68% have at least one of the four housing problems
Households with 50% to 80% AMI: 35.62% have at least one of the four housing problems
Households with 80 to 100% AMI: 13.84% have at least one of the four housing problems
For all income categories all races are equally represented in the total population and in the population
experiencing one or more of the housing problems, no race has a disproportionately greater need.
St. Joseph County Remainder:
Households with 0 to 30% area median income (AMI): 75.53% have at least one of the four
housing problems
Households with 30% to 50% AMI: 48.55% have at least one of the four housing problems
Households with 50% to 80% AMI: 38.09% have at least one of the four housing problems
Households with 80% to 100% AMI: 9.05% have at least one of the four housing problems
Households with 80% to 100% AMI: White households represent 84.31% of total households but
are 98.19% of the households with at least one of the four housing problems, meaning they
have a disproportionately greater need. For all other income categories all races are equally
represented in the total population and the population experiencing housing problems, no race
has a disproportionately greater need.
0%-30% of Area Median Income
Housing Problems Has one or more
of four housing
problems
Has none of the
four housing
problems
Household has
no/negative
income, but none
of the other
housing problems
Jurisdiction as a whole 15,685 3,575 1,805
White 9,800 2,230 960
Black / African American 4,380 1,070 610
Asian 180 30 75
American Indian, Alaska Native 38 10 0
Pacific Islander 0 60 0
Hispanic 970 20 110
Table 13 - Disproportionally Greater Need 0 - 30% AMI
Data
Source:
2005-2009 CHAS
Consolidated Plan SOUTH BEND 28
OMB Control No: 2506-0117 (exp. 07/31/2015)
*The four housing problems are:
1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per
room, 4.Cost Burden greater than 30%
30%-50% of Area Median Income
Housing Problems Has one or more
of four housing
problems
Has none of the
four housing
problems
Household has
no/negative
income, but none
of the other
housing problems
Jurisdiction as a whole 13,800 7,500 0
White 9,840 6,100 0
Black / African American 2,580 1,090 0
Asian 85 40 0
American Indian, Alaska Native 60 20 0
Pacific Islander 0 0 0
Hispanic 990 190 0
Table 14 - Disproportionally Greater Need 30 - 50% AMI
Data
Source:
2005-2009 CHAS
*The four housing problems are:
1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per
room, 4.Cost Burden greater than 30%
50%-80% of Area Median Income
Housing Problems Has one or more
of four housing
problems
Has none of the
four housing
problems
Household has
no/negative
income, but none
of the other
housing problems
Jurisdiction as a whole 12,210 21,145 0
White 8,890 16,370 0
Black / African American 2,210 3,110 0
Asian 240 200 0
American Indian, Alaska Native 24 58 0
Pacific Islander 0 0 0
Hispanic 725 1,145 0
Table 15 - Disproportionally Greater Need 50 - 80% AMI
Data
Source:
2005-2009 CHAS
Consolidated Plan SOUTH BEND 29
OMB Control No: 2506-0117 (exp. 07/31/2015)
*The four housing problems are:
1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per
room, 4.Cost Burden greater than 30%
80%-100% of Area Median Income
Housing Problems Has one or more
of four housing
problems
Has none of the
four housing
problems
Household has
no/negative
income, but none
of the other
housing problems
Jurisdiction as a whole 3,295 16,955 0
White 2,915 13,700 0
Black / African American 210 2,100 0
Asian 20 180 0
American Indian, Alaska Native 0 28 0
Pacific Islander 0 0 0
Hispanic 148 710 0
Table 16 - Disproportionally Greater Need 80 - 100% AMI
Data
Source:
2005-2009 CHAS
*The four housing problems are:
1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per
room, 4.Cost Burden greater than 30%
Discussion
Consolidated Plan SOUTH BEND 30
OMB Control No: 2506-0117 (exp. 07/31/2015)
NA-20 Disproportionately Greater Need: Severe Housing Problems - 91.405,
91.205 (b)(2)
Assess the need of any racial or ethnic group that has disproportionately greater need in comparison to
the needs of that category of need as a whole.
Introduction
Severe housing problems are defined as:
Severe overcrowding (1.5 or more persons per room)
Severe cost burden (50% or more of total income spent on housing)
Lack of complete kitchen facilities
Lack of complete plumbing
St. Joseph County Entirety: Fourteen percent (14%) or 13,910 total County residents experience one or
more severe housing problems.
South Bend: Eighteen percent (18%) or 6,985 City of South Bend residents experience one or more
severe housing problems.
Mishawaka: Seventeen percent (17%) or 3,555 City of Mishawaka residents experience one or more
severe housing problems.
St. Joseph County Remainder: Eight percent (8%) or 3,226 County remainder (not South Bend or
Mishawaka) residents experience one or more severe housing problems.
0%-30% of Area Median Income
Severe Housing Problems* Has one or more
of four housing
problems
Has none of the
four housing
problems
Household has
no/negative
income, but none
of the other
housing problems
Jurisdiction as a whole 13,340 5,915 1,805
White 8,085 3,945 960
Black / African American 4,090 1,360 610
Asian 90 120 75
American Indian, Alaska Native 30 18 0
Pacific Islander 0 60 0
Hispanic 860 134 110
Table 17 – Severe Housing Problems 0 - 30% AMI
Data
Source:
2005-2009 CHAS
Consolidated Plan SOUTH BEND 31
OMB Control No: 2506-0117 (exp. 07/31/2015)
*The four severe housing problems are:
1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per
room, 4.Cost Burden over 50%
30%-50% of Area Median Income
Severe Housing Problems* Has one or more
of four housing
problems
Has none of the
four housing
problems
Household has
no/negative
income, but none
of the other
housing problems
Jurisdiction as a whole 6,325 14,985 0
White 4,645 11,290 0
Black / African American 1,060 2,610 0
Asian 70 64 0
American Indian, Alaska Native 20 60 0
Pacific Islander 0 0 0
Hispanic 450 730 0
Table 18 – Severe Housing Problems 30 - 50% AMI
Data
Source:
2005-2009 CHAS
*The four severe housing problems are:
1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per
room, 4.Cost Burden over 50%
50%-80% of Area Median Income
Severe Housing Problems* Has one or more
of four housing
problems
Has none of the
four housing
problems
Household has
no/negative
income, but none
of the other
housing problems
Jurisdiction as a whole 2,610 30,755 0
White 1,670 23,590 0
Black / African American 325 4,995 0
Asian 109 340 0
American Indian, Alaska Native 4 79 0
Pacific Islander 0 0 0
Hispanic 450 1,415 0
Table 19 – Severe Housing Problems 50 - 80% AMI
Data
Source:
2005-2009 CHAS
Consolidated Plan SOUTH BEND 32
OMB Control No: 2506-0117 (exp. 07/31/2015)
*The four severe housing problems are:
1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per
room, 4.Cost Burden over 50%
80%-100% of Area Median Income
Severe Housing Problems* Has one or more
of four housing
problems
Has none of the
four housing
problems
Household has
no/negative
income, but none
of the other
housing problems
Jurisdiction as a whole 660 19,580 0
White 620 16,005 0
Black / African American 8 2,290 0
Asian 0 200 0
American Indian, Alaska Native 0 28 0
Pacific Islander 0 0 0
Hispanic 28 835 0
Table 20 – Severe Housing Problems 80 - 100% AMI
Data
Source:
2005-2009 CHAS
*The four severe housing problems are:
1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per
room, 4.Cost Burden over 50%
Discussion
Consolidated Plan SOUTH BEND 33
OMB Control No: 2506-0117 (exp. 07/31/2015)
NA-25 Disproportionately Greater Need: Housing Cost Burdens - 91.405, 91.205
(b)(2)
Assess the need of any racial or ethnic group that has disproportionately greater need in comparison to
the needs of that category of need as a whole.
Introduction
St. Joseph County Entirety: 26.83% of the households spend more than 30% of their total income on
housing costs. All races are similarly represented in the total population and the total population
spending more than 30% of household income on housing costs, varying only by a few percentage
points.
South Bend: 32.58% of households spend more than 30% of household income on housing costs. Per
the 2005-2009 CHAS Data, no race category experienced a disproportionately greater need where the
percentage of households with a housing cost burden was greater than 10% more than the percentage
of households in the category as a whole. However, Black/African American households represent
21.99% of the total population but are 30.86% of the households who experience a cost burden greater
than 30%.
Mishawaka: 28.98% of the households spend more than 30% of total income on housing costs. All races
are similarly represented in the total population and the total population spending more than 30% of
household income on housing costs, varying only by a few percentage points.
St. Joseph County Remainder: 19.46% of the households spend more than 30% of their total income on
housing costs. All races are similarly represented in the total population and the total population
spending more than 30% of household income on housing costs, varying only by a few percentage
points.
Housing Cost Burden
Housing Cost Burden <=30% 30-50% >50% No / negative
income (not
computed)
Jurisdiction as a whole 115,260 25,905 20,935 1,885
White 96,165 19,740 13,945 995
Black / African
American 11,885 4,085 5,345 610
Asian 1,555 275 159 105
American Indian,
Alaska Native 310 73 54 0
Pacific Islander 70 0 0 0
Hispanic 4,215 1,355 1,095 120
Consolidated Plan SOUTH BEND 34
OMB Control No: 2506-0117 (exp. 07/31/2015)
Table 21 – Greater Need: Housing Cost Burdens AMI
Data
Source:
2005-2009 CHAS
Discussion
Consolidated Plan SOUTH BEND 35
OMB Control No: 2506-0117 (exp. 07/31/2015)
NA-30 Disproportionately Greater Need: Discussion - 91.205 (b)(2)
Are there any Income categories in which a racial or ethnic group has disproportionately
greater need than the needs of that income category as a whole?
A household is considered to have a housing problem when one or more of the following conditions
exist:
Cost burden - pay more than 30% of the household's total income on housing costs (includes
rent/mortgage and utilities);
Overcrowding (more than 1.01 persons per room);
Substandard - lacking complete kitchen facilities;
Substandard - lacking complete plumbing.
Hispanic households were most likely to experience a housing problem with 72.6% reporting at least
one problem in 2011. This compares to 61.6% of White households and 68.6% of Black/African-
American households.
If they have needs not identified above, what are those needs?
All needs are identified above.
Are any of those racial or ethnic groups located in specific areas or neighborhoods in your
community?
The majority of Hispanic households are located in the West Side of South Bend. The populations of
census tracts 22, 23, 24, 25, 26, 27, 28 and 34 are all greater than 20% Hispanic.
Consolidated Plan SOUTH BEND 36
OMB Control No: 2506-0117 (exp. 07/31/2015)
NA-35 Public Housing - 91.405, 91.205 (b)
Introduction
St. Joseph County has two separate Housing Authorities offering public housing units: the Housing Authority of South Bend and Mishawaka
Housing Authority. In addition, it has three Housing Authorities which offer subsidy vouchers: Housing Authority of South Bend, Mishawaka
Housing Authority and the Housing Assistance Office, which offers vouchers generally outside of the two cities.
Board members of the South Bend and Mishawaka Housing Authorities are appointed by their respective Mayors. The Housing Assistance Office
has a self-appointed board. In general, the Housing Authorities are not funded through the CDBG or HOME programs for normal public housing
services. Review of capital expenditures are limited to review and signature on HUD required “Certification of Consistency with the HCD Plan.”
Totals in Use
Program Type
Certificate Mod-
Rehab
Public
Housing
Vouchers
Total Project -
based
Tenant -
based
Special Purpose Voucher
Veterans
Affairs
Supportive
Housing
Family
Unification
Program
Disabled
*
# of units vouchers in use 0 0 779 1,992 0 1,976 16 0 0
Table 22 - Public Housing by Program Type
*includes Non-Elderly Disabled, Mainstream One-Year, Mainstream Five-year, and Nursing Home Transition
Data Source: PIC (PIH Information Center)
Consolidated Plan SOUTH BEND 37
OMB Control No: 2506-0117 (exp. 07/31/2015)
Characteristics of Residents
Program Type
Certificate Mod-
Rehab
Public
Housing
Vouchers
Total Project -
based
Tenant -
based
Special Purpose Voucher
Veterans
Affairs
Supportive
Housing
Family
Unification
Program
Average Annual Income 0 0 8,870 9,146 0 9,204 1,926 0
Average length of stay 0 0 5 6 0 6 0 0
Average Household size 0 0 2 2 0 2 1 0
# Homeless at admission 0 0 1 3 0 1 2 0
# of Elderly Program Participants
(>62) 0 0 113 141 0 141 0 0
# of Disabled Families 0 0 168 337 0 331 6 0
# of Families requesting
accessibility features 0 0 779 1,992 0 1,976 16 0
# of HIV/AIDS program participants 0 0 0 0 0 0 0 0
# of DV victims 0 0 0 0 0 0 0 0
Table 23 – Characteristics of Public Housing Residents by Program Type
Data Source: PIC (PIH Information Center)
Consolidated Plan SOUTH BEND 38
OMB Control No: 2506-0117 (exp. 07/31/2015)
Race of Residents
Program Type
Race Certificate Mod-
Rehab
Public
Housing
Vouchers
Total Project -
based
Tenant -
based
Special Purpose Voucher
Veterans
Affairs
Supportive
Housing
Family
Unification
Program
Disabled
*
White 0 0 185 289 0 285 4 0 0
Black/African American 0 0 582 1,686 0 1,674 12 0 0
Asian 0 0 3 3 0 3 0 0 0
American Indian/Alaska
Native 0 0 6 11 0 11 0 0 0
Pacific Islander 0 0 3 3 0 3 0 0 0
Other 0 0 0 0 0 0 0 0 0
*includes Non-Elderly Disabled, Mainstream One-Year, Mainstream Five-year, and Nursing Home Transition
Table 24 – Race of Public Housing Residents by Program Type
Data Source: PIC (PIH Information Center)
Ethnicity of Residents
Program Type
Ethnicity Certificate Mod-
Rehab
Public
Housing
Vouchers
Total Project -
based
Tenant -
based
Special Purpose Voucher
Veterans
Affairs
Supportive
Housing
Family
Unification
Program
Disabled
*
Hispanic 0 0 28 36 0 36 0 0 0
Not Hispanic 0 0 751 1,956 0 1,940 16 0 0
*includes Non-Elderly Disabled, Mainstream One-Year, Mainstream Five-year, and Nursing Home Transition
Table 25 – Ethnicity of Public Housing Residents by Program Type
Consolidated Plan SOUTH BEND 39
OMB Control No: 2506-0117 (exp. 07/31/2015)
Data Source: PIC (PIH Information Center)
Consolidated Plan SOUTH BEND 40
OMB Control No: 2506-0117 (exp. 07/31/2015)
Section 504 Needs Assessment: Describe the needs of public housing tenants and applicants
on the waiting list for accessible units:
Currently, 6.5% of all HASB units are handicapped accessible and the HASB is committed to increasing
that rate as the new additions are brought online. In the 504 needs survey, the HASB received no
responses from any resident wanting accessibility or accommodations that was not given access to
such. The HASB policy for non-handicapped families residing in handicapped units is that should a need
arise for a handicapped unit, the family will be relocated to facilitate the need.
What are the number and type of families on the waiting lists for public housing and section 8
tenant-based rental assistance? Based on the information above, and any other information
available to the jurisdiction, what are the most immediate needs of residents of public
housing and Housing Choice voucher holders?
The current HUD designation of "Troubled" status for the Housing Authority of South Bend indicates
there are a series of issues affecting all programs. The HASB is currently reorganizing its Board and staff
management plan.
How do these needs compare to the housing needs of the population at large
Not currently available. Please see statement regarding the South Bend Housing Authority above.
Discussion
Please see the attached Analysis of Impediments to Fair Housing for further information.
Consolidated Plan SOUTH BEND 41
OMB Control No: 2506-0117 (exp. 07/31/2015)
NA-40 Homeless Needs Assessment - 91.405, 91.205 (c)
Introduction:
From the 2014 Analysis of Impediments to Fair Housing (attached):
The 2014 point-in-time count identified 492 homeless individuals in St. Joseph County. Whites were more likely than minorities to be homeless,
accounting for 52.2% of the total homeless population. Blacks were the second most likely demographic to experience homelessness at 42.3%.
Only 12 (about 5.9%) of the homeless individuals identified their race as something other than White or Black. Considering the type of shelter
provided to the homeless population, Whites were more likely to experience a need for emergency shelter. Approximately 61.8% of the
homeless population utilizing emergency shelter were White and 32.2% where Black. However, Blacks were more likely than other racial groups
to utilize traditional shelters, accounting for 49.4% of the traditionally sheltered homeless population. Looking at ethnicity, Hispanics accounted
for 5.9% of the total homeless population. Hispanics were more likely to utilize traditional shelter services than emergency shelter, 41.4% and
55.2% of the Hispanic population.
Homeless Needs Assessment
Population Estimate the # of persons
experiencing homelessness
on a given night
Estimate the #
experiencing
homelessness
each year
Estimate the
# becoming
homeless
each year
Estimate the #
exiting
homelessness
each year
Estimate the #
of days persons
experience
homelessness
Sheltered Unsheltered
Persons in Households with Adult(s)
and Child(ren) 0 0 0 0 0 0
Persons in Households with Only
Children 0 0 0 0 0 0
Persons in Households with Only
Adults 0 0 0 0 0 0
Chronically Homeless Individuals 0 0 0 0 0 0
Chronically Homeless Families 0 0 0 0 0 0
Consolidated Plan SOUTH BEND 42
OMB Control No: 2506-0117 (exp. 07/31/2015)
Population Estimate the # of persons
experiencing homelessness
on a given night
Estimate the #
experiencing
homelessness
each year
Estimate the
# becoming
homeless
each year
Estimate the #
exiting
homelessness
each year
Estimate the #
of days persons
experience
homelessness
Sheltered Unsheltered
Veterans 0 0 0 0 0 0
Unaccompanied Child 0 0 0 0 0 0
Persons with HIV 0 0 0 0 0 0
Table 26 - Homeless Needs Assessment
Data Source Comments:
If data is not available for the categories "number of persons becoming and exiting homelessness each year," and "number of
days that persons experience homelessness," describe these categories for each homeless population type (including chronically
homeless individuals and families, families with children, veterans and their families, and unaccompanied youth):
Consolidated Plan SOUTH BEND 43
OMB Control No: 2506-0117 (exp. 07/31/2015)
Nature and Extent of Homelessness: (Optional)
Race: Sheltered: Unsheltered (optional)
White 0 0
Black or African American 0 0
Asian 0 0
American Indian or Alaska
Native 0 0
Pacific Islander 0 0
Ethnicity: Sheltered: Unsheltered (optional)
Hispanic 0 0
Not Hispanic 0 0
Data Source
Comments:
Estimate the number and type of families in need of housing assistance for families with
children and the families of veterans.
There were 75 Households in the 1/29/14 PIT count. Of the 492 total persons, 111 were children under
the age of 18 and 48 between the ages of 18 and 24. No children under the age of 18 were unsheltered,
though two in the 18-24 age range were unsheltered. Veterans, both male and female, experience
housing needs, though primarily the higher numbers are for single men. In the last few years there have
been no families of veterans in the PIT.
Describe the Nature and Extent of Homelessness by Racial and Ethnic Group.
The 2014 PIT count identified 492 homeless individuals in St. Joseph County. White are more likely than
minorities to be homeless, accounting for 52.2% of the total homeless population. Black was the second
most likely at 42.3%. About 12 (9.5%) of the homeless individuals identified their race as something
other than White or Black. The PIT data indicates that White and Non-Hispanic/Non-Latino were more
likely to experience the need for emergency shelter, as they have the highest unsheltered counts. Of the
veteran population it is almost a 50/50 split of White and Black.
Describe the Nature and Extent of Unsheltered and Sheltered Homelessness.
Unsheltered homelessness is those persons/families living from place to place or "couch surfing", or
living in a place deemed not habitable. Sheltered homelessness describes those who seek shelter
services. The population is represented by single individuals, families, sinlge head of households, and
young adults between the ages of 18-24.
Consolidated Plan SOUTH BEND 44
OMB Control No: 2506-0117 (exp. 07/31/2015)
NA-45 Non-Homeless Special Needs Assessment - 91.405, 91.205 (b,d)
Introduction
The precise number of persons in St. Joseph County in various subpopulations that are not homeless but
may require housing or supportive services is difficult to determine.
Housing for Elderly, Frail Elderly, Persons with Severe Mental Illness, Developmentally Disabled,
Physically Disabled, Alcohol/Other Drug Addicted, and Persons with HIV/AIDS and their families are high
priorities. Supportive services for Elderly, Frail Elderly, Persons with Severe Mental Illness,
Alcohol/Other Drug Addicted, and Persons with HIV/AIDS and their families are high priorities.
Lack of adequate funding, from public, private, and nonprofit sources, can be an obstacle to meeting
underserved needs of the non-homeless.
Real Services and Rebuilding Together provide services targeted to elderly and disabled homeowners in
the City of South Bend. South Bend Heritage Foundation provides elderly rental housing at its
Robertson’s and Rushton facilities. Oaklawn Psychiatric Center works primarily with mental illness
issues, including providing rental assistance. AIDS Ministries/AIDS Assist provides services to HIV/AIDS
patients, including housing assistance.
Describe the characteristics of special needs populations in your community:
Characteristics include one or more of the following: mental illness; domestic violence; physical
disability; HIV/Aids; and substance abuse, both alcohol and drugs.
What are the housing and supportive service needs of these populations and how are these
needs determined?
Needs are generally determined by the number and type presenting for service at providers and
emergency medical facilities, as well as thorugh the judicial system referral process. Housing,
employment, employment and life skills training, medical and counseling needs are indicative to these
population groups.
Discuss the size and characteristics of the population with HIV/AIDS and their families within
the Eligible Metropolitan Statistical Area:
Currently there are 493 individuals living with HIV/Aids in St. Joseph County. This number does not
include those infected individuals who are not aware of their HIV status. HIV/Aids client service
providers report 48% of the client base to be white, 29% black, 9% Hispanic, and 16% other. Ages range
from four years of age to 86 years of age, with the majority of clients falling between 30-50
years. Further they represent 57% male and 33% female. Approximately 80% of the clients are below
Consolidated Plan SOUTH BEND 45
OMB Control No: 2506-0117 (exp. 07/31/2015)
the poverty level, with incomes for 60% being less than $10,000 per year. Approximately 12% of the
clients of the County service provider are considered to be homeless.
Discussion:
Consolidated Plan SOUTH BEND 46
OMB Control No: 2506-0117 (exp. 07/31/2015)
NA-50 Non-Housing Community Development Needs - 91.415, 91.215 (f)
Describe the jurisdiction’s need for Public Facilities:
Many public facilities owned or leased by service agencies are at stages of the life cycle requiring larger
scale/cost improvements and/or are in need of expansion given the demand for services. In the last five
years there have been major improvements funded in part through CDBG for at least four public
facilities. Others are launching campaigns to assist with development and improvement costs. Recent
weather amnesty demands are an issue in terms of available and adequate space.
How were these needs determined?
See above.
Describe the jurisdiction’s need for Public Improvements:
In December 2011, the US EPA approved the City of South Bend’s Long Term Control Plan (LTCP). After a
considerable amount of negotiations, the City, Indiana and the U.S. Department of Justice entered into a
Consent Decree. The 2012 consent decree requires the City to spend approximately $600M (2012
Dollars) on wastewater CSO control methods, separated into two phases of work within the sewer
collection system, to reduce both the volume and number of overflows to the river.
How were these needs determined?
See above.
Describe the jurisdiction’s need for Public Services:
There exists a challenging need for public services of all kinds. The 2013-14 United Way of St. Joseph
County Community Impact statement indicates over 100,000 people were served by their funded
programs; over 29,000 calls were made to the 2-1-1 referral line; over 1.5M meals were provided
through the letter carrier food drive; over 270,000 were served with heat assistance; and over 36,000
received emergency assistance through the Emergency Food and Shelter Funds.
Additionally, reported on the United Way website is the Indiana Report Card rankings with 1 being the
highest. Out of 92 counties, St. Joseph County ranks 17th in poverty rate; 8th in percentage of
free/reduced lunch students and 19th in percentage of all households with high housing costs.
How were these needs determined?
See above.
Consolidated Plan SOUTH BEND 47
OMB Control No: 2506-0117 (exp. 07/31/2015)
Housing Market Analysis
MA-05 Overview
Housing Market Analysis Overview:
Approximately 63% of St. Joseph County’s housing stock was built before 1970. Of that, about 54% was
located in South Bend, 18% in Mishawaka, and 28% in the County Remainder. Conversely, about 13% of
the housing stock was less than 10 years old. The new housing was distributed as 19% in South Bend,
23% in Mishawaka, and 58% in the County Remainder. Twenty-seven percent of the County’s housing
stock was rental, with 55% of it in South Bend, 31% in Mishawaka, and 14% in the County
Remainder. The majority of the lower-priced (owner occupied, with value less than $100,000) housing
was located in South Bend at 52%, with 19% in Mishawaka, and 29% in the County Remainder. At the
same time, only 18% of the housing valued at $100,000 or higher was in South Bend, 9% in Mishawaka
and 73% in the County Remainder.
Housing is available for persons with disabilities and persons with HIV/AIDS.
South Bend’s housing problems may be attributed to, in part, the fact that too many homes in the city
do not meet modern consumer preferences. The average home sold in a recent period in the City of
South Bend is 94 years old, is 1,335 square feet, has three bedrooms, one bathroom, no garage, and sold
for $20,035.32. In contrast, according to the U.S. Census Bureau, the average home built in the United
States is 2,532 square feet, has three bedrooms, two and a half bathrooms, a two car garage, and sold
for $252,000.
The City of South Bend has been addressing the vacant and abandoned housing issue for the past year.
As of March 2015, work towards the goal of addressing 1,000 vacant/abandoned houses in 1,000 days
has produced:
273 houses repaired
366 houses demolished
10 houses deconstructed
4 CDC partner houses
62 State Blight Elimination Program houses
74 houses under contract for demolition
It is anticipated that an additional 211 demolitions and rehabs will be contracted or agreed to by
November 2015.
Consolidated Plan SOUTH BEND 48
OMB Control No: 2506-0117 (exp. 07/31/2015)
MA-10 Housing Market Analysis: Number of Housing Units - 91.410,
91.210(a)&(b)(2)
Introduction
As of March 2015, the City of South Bend's Vacant and Abandoned Properties Initiative has prevented
281 houses vacant houses from being demolished. Repairs were negotiated with the owners of 273
vacant houses, and CDC partners have rehabbed another four homes.
All residential properties by number of units
Property Type Number %
1-unit detached structure 82,938 76%
1-unit, attached structure 3,195 3%
2-4 units 6,122 6%
5-19 units 10,496 10%
20 or more units 5,041 5%
Mobile Home, boat, RV, van, etc 1,902 2%
Total 109,694 100%
Table 27 – Residential Properties by Unit Number
Data Source: 2005-2009 ACS Data
Unit Size by Tenure
Owners Renters
Number % Number %
No bedroom 32 0% 593 2%
1 bedroom 1,373 2% 8,780 31%
2 bedrooms 14,679 21% 10,739 38%
3 or more bedrooms 53,615 77% 7,821 28%
Total 69,699 100% 27,933 99%
Table 28 – Unit Size by Tenure
Data Source: 2005-2009 ACS Data
Describe the number and targeting (income level/type of family served) of units assisted with
federal, state, and local programs.
St. Joseph County has 825 Low Income Housing Tax Credit (LIHTC) assisted units for low income families
and the elderly. Of that total, 370 are located in South Bend, 204 in Mishawaka, and 251 in the County
Remainder. Section 8 Project Based Apartment Communities in St. Joseph County have 1,772 units of
housing. Of that amount, 810 units (46%) are exclusively for low-income elderly residents. Of the
County’s units, 1,177 are located in South Bend, 443 are in Mishawaka, and 152 are in the County
Remainder. Countywide, 2,588 Tenant Based Section 8 vouchers are available or in use for low-income
Consolidated Plan SOUTH BEND 49
OMB Control No: 2506-0117 (exp. 07/31/2015)
households. Of these, 2,124 are allocated to South Bend, 299 to Mishawaka, and 165 to the County
Remainder. The Housing Authority of South Bend provides 815 public housing units, the Mishawaka
Housing Authority provides 299 public housing units, and the Housing Assistance Office owns and
manages 47 units of housing in the County Remainder for households earning less than 80% of the
area’s median income. Collectively, the aforementioned provide or serve 6,406 households in St. Joseph
County; 4,486 are in South Bend, 1,246 are in Mishawaka, and 674 are in the County Remainder. No
notable reductions to the number of units in the assisted housing inventory are projected.
Please see the attached Analysis of Impediments to Fair Housing for more detail.
Provide an assessment of units expected to be lost from the affordable housing inventory for
any reason, such as expiration of Section 8 contracts.
Unknown at this time given the Housing Authority of South Bend's status as noted in section NA-35.
Does the availability of housing units meet the needs of the population?
Not necessarily, as all three housing authorities in St. Joseph County have waitlists:
St. Joseph County Housing Authority: 165 vouchers; 628 on waitlist
Mishawaka Housing Authority: 299 vouchers; 237 on waitlist
Housing Authority of South Bend: 2,124 vouchers; unknown number on waitlist
Describe the need for specific types of housing:
Options are needed for elderly who have difficulty maintaining their own home. Permanent supportive
housing for chronic system users, such as homeless with mental disabilities or addicitions, is also noted
as a critical need in the community.
Discussion
Consolidated Plan SOUTH BEND 50
OMB Control No: 2506-0117 (exp. 07/31/2015)
MA-15 Housing Market Analysis: Cost of Housing - 91.410, 91.210(a)
Introduction
Per the 2013 American Community Survey, the median value for single-family homes in St. Joseph
County was $115,100 ($93,900 within the city limits of Mishawaka and $84,100 within the city limits of
South Bend).
Cost of Housing
Base Year: 2000 Most Recent Year: 2009 % Change
Median Home Value 0 0 0%
Median Contract Rent 0 0 0%
Table 29 – Cost of Housing
Data Source: 2000 Census (Base Year), 2005-2009 ACS (Most Recent Year)
Rent Paid Number %
Less than $500 10,872 38.9%
$500-999 15,693 56.2%
$1,000-1,499 819 2.9%
$1,500-1,999 312 1.1%
$2,000 or more 237 0.9%
Total 27,933 100.0%
Table 30 - Rent Paid
Data Source: 2005-2009 ACS Data
Housing Affordability
% Units affordable to Households
earning
Renter Owner
30% HAMFI 2,610 No Data
50% HAMFI 8,360 8,408
80% HAMFI 17,965 13,170
100% HAMFI No Data 23,223
Total 28,935 44,801
Table 31 – Housing Affordability
Data Source: 2005-2009 CHAS
Consolidated Plan SOUTH BEND 51
OMB Control No: 2506-0117 (exp. 07/31/2015)
Monthly Rent
Monthly Rent ($) Efficiency (no
bedroom)
1 Bedroom 2 Bedroom 3 Bedroom 4 Bedroom
Fair Market Rent 490 558 714 895 954
High HOME Rent 542 602 725 930 958
Low HOME Rent 528 566 680 785 876
Table 32 – Monthly Rent
Data Source: HUD FMR and HOME Rents
Is there sufficient housing for households at all income levels?
No, waitlists at the three housing authorities in St. Joseph county indicate that the lowest income
households in the community may experience difficulty obtaining affordable housing.
How is affordability of housing likely to change considering changes to home values and/or
rents?
According to the Census Bureau’s American Community Survey housing values and rents have seen
minimal change between 2008 and 2013. Median home values as well as South Bend median rents have
decreased during that time. Given the slight decreases, housing affordability will generally remain the
same.
Median Home Values
Source: American Community Survey 3-Year Estimates (2008-2010 & 2011-2013)
Median Gross Rent
Source: American Community Survey 3-Year Estimates (2008-2010 & 2011-2013)
How do HOME rents / Fair Market Rent compare to Area Median Rent? How might this
impact your strategy to produce or preserve affordable housing?
The Area Median Rent (calculated based on all units / number of bedrooms) is comparable to the Fair
Market Rent for a 2-bedroom unit.
Discussion
Consolidated Plan SOUTH BEND 52
OMB Control No: 2506-0117 (exp. 07/31/2015)
MA-20 Housing Market Analysis: Condition of Housing - 91.410, 91.210(a)
Introduction
Approximately 63% of St. Joseph County’s housing stock was built before 1970. Of that, about 54% is
located in South Bend, 18% in Mishawaka, and 28% in the County Remainder. Conversely, about 13% of
the housing stock is less than 10 years old. The new housing is distributed as 19% in South Bend, 23% in
Mishawaka, and 58% in the County Remainder. Twenty-seven percent of the County’s housing stock is
rental, with 55% of it in South Bend, 31% in Mishawaka, and 14% in the County Remainder. The
majority of the lower-priced (owner occupied, with value less than $100,000) housing is located in South
Bend at 52%, with 19% in Mishawaka, and 29% in the County Remainder. At the same time, only 18% of
the housing valued at $100,000 or higher is in South Bend, 9% in Mishawaka and 73% in the County
Remainder.
The geographic distribution of housing development countywide causes some problems for the
community. Residential growth outside of South Bend and Mishawaka has generally been reliant upon
septic systems. Soils in those areas may not be able to adequately accommodate much more housing
construction, and current septic users may need municipal sewer services. According to the St. Joseph
County Comprehensive Plan, 91% of the County may be considered unsuitable for septic use based
strictly upon soil conditions (not considering residential densities, topography, etc.).
The City of South Bend conducted a windshield survey of housing units within the city in 1991 and again
in 1998. These studies revealed that the condition of housing in South Bend, on average, had declined
over the 1990s. Using anecdotal evidence, one is able to draw the conclusion that the condition of the
overall housing stock in South Bend has continued to decline.
The latest comprehensive field check of vacant properties, completed by the Department of Code
Enforcement in early 2006, tallied 2,925 vacant residential structures within the South Bend city
limits. According to an analysis completed by the Department of Community Investment, at least 35%
of these units have active Code Enforcement repair orders.
Many homes in the City of South Bend do not meet modern consumer preferences. The average home
sold in a recent 2.5-year period in the City of South Bend is 94 years old, is 1,335 square feet, has three
bedrooms, one bathroom, no garage, and sold for $20,035.32. In contrast, according to the U.S. Census
Bureau, the average home built in the United States in 2008 is 2,532 square feet, has three bedrooms,
two and a half bathrooms, a two car garage, and sold for $252,000.
Consolidated Plan SOUTH BEND 53
OMB Control No: 2506-0117 (exp. 07/31/2015)
Describe the jurisdiction's definition for "substandard condition" and "substandard condition
but suitable for rehabilitation:
Housing in substandard condition does not meet the minimum health, safety and construction
standards as governed by local, state and federal regulations, ordinances and codes. It poses a risk to
the health, safety or physical well-being of its occupants, other persons on or near the premises and/or
nearby property.
The City of South Bend has determined that if a house has severe damage and/or has become
structurally unsound due to fire damage, collapsing, foundation failure, etc. than demolition is required.
However, determining the viability of rehabilitating a property is done on a case by case basis following
an inspection of the building condition and evaluating the financial feasibility of completing the required
repairs. Market conditions, for the broader community as well as the immediate neighborhood, are also
taken into account when determining if the property is suitable for rehabilitation.
Condition of Units
Condition of Units Owner-Occupied Renter-Occupied
Number % Number %
With one selected Condition 15,193 22% 11,602 42%
With two selected Conditions 331 0% 581 2%
With three selected Conditions 15 0% 0 0%
With four selected Conditions 0 0% 0 0%
No selected Conditions 54,160 78% 15,750 56%
Total 69,699 100% 27,933 100%
Table 33 - Condition of Units
Data Source: 2005-2009 ACS Data
Year Unit Built
Year Unit Built Owner-Occupied Renter-Occupied
Number % Number %
2000 or later 5,058 7% 1,779 6%
1980-1999 15,189 22% 6,829 24%
1950-1979 28,002 40% 11,709 42%
Before 1950 21,450 31% 7,616 27%
Total 69,699 100% 27,933 99%
Table 34 – Year Unit Built
Data Source: 2005-2009 CHAS
Consolidated Plan SOUTH BEND 54
OMB Control No: 2506-0117 (exp. 07/31/2015)
Risk of Lead-Based Paint Hazard
Risk of Lead-Based Paint Hazard Owner-Occupied Renter-Occupied
Number % Number %
Total Number of Units Built Before 1980 49,452 71% 19,325 69%
Housing Units build before 1980 with children present 10,774 15% 6,613 24%
Table 35 – Risk of Lead-Based Paint
Data Source: 2005-2009 ACS (Total Units) 2005-2009 CHAS (Units with Children present)
Vacant Units
Suitable for
Rehabilitation
Not Suitable for
Rehabilitation
Total
Vacant Units 0 0 0
Abandoned Vacant Units 0 0 0
REO Properties 0 0 0
Abandoned REO Properties 0 0 0
Table 36 - Vacant Units
Data Source: 2005-2009 CHAS
Describe the need for owner and rental rehabilitation based on the condition of the
jurisdiction's housing.
There are 83 vacant & abandoned houses where the property owner has entered into a repair
agreement / order with Code Enforcement. There are an additional 29 non-V&A residential structures
with repair agreements / orders.
Estimate the number of housing units within the jurisdiction that are occupied by low or
moderate income families that contain lead-based paint hazards. 91.205(e), 91.405
In St. Joseph County, 77% of all homes contain lead paint. A breakdown of the age of housing stock is
shown in the table below.
Discussion
Consolidated Plan SOUTH BEND 55
OMB Control No: 2506-0117 (exp. 07/31/2015)
MA-25 Public And Assisted Housing - 91.410, 91.210(b)
Introduction
St. Joseph County has two separate Housing Authorities offering public housing units: the Housing Authority of South Bend and Mishawaka
Housing Authority. In addition, it has three Housing Authorities which offer subsidy vouchers: Housing Authority of South Bend, Mishawaka
Housing Authority and the St. Joseph County Housing Authority, which offers vouchers generally outside of the two cities.
Board members of the South Bend and Mishawaka Housing Authorities are appointed by their respective Mayors. The St. Joseph County
Housing Authority has a self-appointed board. In general, the Housing Authorities are not funded through the CDBG or HOME programs for
normal public housing services. Review of capital expenditures are limited to review and signature on HUD required ¿Certification of
Consistency with the HCD Plan.¿
Totals Number of Units
Program Type
Certificate Mod-Rehab Public
Housing
Vouchers
Total Project -based Tenant -based
Special Purpose Voucher
Veterans
Affairs
Supportive
Housing
Family
Unification
Program
Disabled
*
# of units vouchers
available 811 2,124 0 0 0
# of accessible units
*includes Non-Elderly Disabled, Mainstream One-Year, Mainstream Five-year, and Nursing Home Transition
Table 37 – Total Number of Units by Program Type
Data Source: PIC (PIH Information Center)
Consolidated Plan SOUTH BEND 56
OMB Control No: 2506-0117 (exp. 07/31/2015)
Describe the supply of public housing developments:
Describe the number and physical condition of public housing units in the jurisdiction,
including those that are participating in an approved Public Housing Agency Plan:
The Housing Authority of South Bend (HASB) operates a total of 2,932 units: 811 units of Public Housing
and 2,124 HCV units.
Harber Homes (188 units)
628 Western Ave (311 units)
3602 Edison (166 units)
1906 S Brookfield (143 units)
In 2014 the HASB requested Capital Fund Improvement Program funding from HUD for repairs at their
four Public Housing Units. The requested repairs are noted later in this section.
The Mishawaka Housing Authority operates the following public housing developments:
Barbee Creek (148 units)
River View (113 units)
Battell (38 units)
The condition of the Mishawaka Housing Authority units are considered "good" to "excellent".
Consolidated Plan SOUTH BEND 57
OMB Control No: 2506-0117 (exp. 07/31/2015)
Public Housing Condition
Public Housing Development Average Inspection Score
Plaza Apts & Monroe Circle 67
Table 38 - Public Housing Condition
Describe the restoration and revitalization needs of public housing units in the jurisdiction:
In 2014 the HASB requested Capital Fund Improvement Program funding from HUD for repairs at their
four Public Housing Units:
Harber Homes - Replace showers, furnaces, doors, exterior lighting, boilers; gas line metering;
foundation and fencing repair; landscaping
628 Western Ave - Replace window blinds, ceiling panels, potable waer tank, exterior lighting;
refurbish elevator cabs and day care; upgrade plumbing; add outside security cameras; repair
fire pump
3602 Edison - Replace roofs, furnaces, retaining wall, air conditioners; repave parking lob;
upgrade plumbing; landscaping
1906 S Brookfield - Replace central air, roofs; add exterior security cameras; paint occupied
units; install automatic sprinkling
Describe the public housing agency's strategy for improving the living environment of low-
and moderate-income families residing in public housing:
Not currently available. Please see discussion of the Housing Authority of South Bend in section NA-35.
Discussion:
Consolidated Plan SOUTH BEND 58
OMB Control No: 2506-0117 (exp. 07/31/2015)
MA-30 Homeless Facilities and Services - 91.410, 91.210(c)
Introduction
The following is a list of agencies and the homeless populations they serve in St. Joseph County:
Oaklawn Psychiatric Center - mentally ill individuals
AIDS Ministries / AIDS Assist - HIV/AIDS patients
Youth Service Bureau - unaccompanied youth under the age of 25
YWCA - victims of domestic violence
Dismas House - ex-offenders
The Center for the Homeless - homeless persons/families
Life Treatment Centers - individuals with substance addictions
HOPE Rescue Mission - homeless persons/families
Millers Veterans Center - homeless military veterans
Facilities Targeted to Homeless Persons
Emergency Shelter Beds Transitional
Housing Beds
Permanent Supportive
Housing Beds
Year Round
Beds
(Current &
New)
Voucher /
Seasonal /
Overflow
Beds
Current &
New
Current &
New
Under
Development
Households with
Adult(s) and Child(ren) 0 0 0 0 0
Households with Only
Adults 0 0 0 0 0
Chronically Homeless
Households 0 0 0 0 0
Veterans 0 0 0 0 0
Unaccompanied Youth 0 0 0 0 0
Table 39 - Facilities Targeted to Homeless Persons
Data Source
Comments:
Describe mainstream services, such as health, mental health, and employment services to the
extent those services are use to complement services targeted to homeless persons
Various partnerships and activities exist among and between agencies and main stream service
providers to connect homeless clients with necessary services. Events such a Michiana Military Stand
Down for Homeless Vets provides a one-day, one-stop-shop for medical needs including check-ups,
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vaccinations, screenings, and more. Individuals also gain access to vision needs, hygiene needs, free
legal assistance, clothes, job placement, veterans services, and more.
The Center for the Homeless works with local hospitals and has an onsite satellite medical clinic
available to their guests, a Montessori pre-school classroom, and a school corporation liaison providing
school services to school-aged children.
List and describe services and facilities that meet the needs of homeless persons, particularly
chronically homeless individuals and families, families with children, veterans and their
families, and unaccompanied youth. If the services and facilities are listed on screen SP-40
Institutional Delivery Structure or screen MA-35 Special Needs Facilities and Services,
describe how these facilities and services specifically address the needs of these populations.
The community operates several drop in centers that have engaged homeless individuals by offering
meals, clothing, and other basic needs as well as spiritual and emotional support, and
advocacy. Outreach teams specifically target at-risk and homeless youth, and there are two PATH teams
for adults who are homeless and severely mentally ill. The Center for the Homeless transitional housing
project for homeless veterans conducts regular street outreach as a part of its agreement with the
VA. Finally, the CoC has begun working with the hospital emergency department most often utilized by
unsheltered individuals and the community inpatient psychiatric provider in order to create a system of
care and reduce malingering in these facilities.
The following are services/facilities in the community that meet the needs of homeless
individuals/families:
Center for the Homeless – shelter; limited family beds; life skills and job training support
Life treatment Center – addiction and treatment facility
Youth Service Bureau Safe Station – shelter; runaway station for homeless youth
Hope Rescue Mission – shelter; provides limited number of family beds; life skills
Oaklawn Psychiatric Center – the only mental health provider for the County; supportive
housing programs
Miller Veterans Center – shelter specific to veterans
Our Lady of the Road – offers weather amnesty beds
Dismas – serves ex-offender population with temporary housing, job and permanent housing
connections
Aids Ministries/Aids Assist – housing assistance; support services
YWCA - domestic violence shelter; support services
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MA-35 Special Needs Facilities and Services - 91.410, 91.210(d)
Introduction
Including the elderly, frail elderly, persons with disabilities (mental, physical, developmental),
persons with alcohol or other drug addictions, persons with HIV/AIDS and their families,
public housing residents and any other categories the jurisdiction may specify, and describe
their supportive housing needs
All groups noted above have need of housing within the jurisdiction. Specific groups receive assistance
with housing and/or support services from the following providers:
Elderly, frail elderly – REAL Services, Inc.
Persons with disabilities – Logan Center
Persons with mental illness – Oaklawn Psychiatric Center
Persons with alcohol/drug addiction – Life Treatment Center
Persons with HIV/AIDS and their families – AIDS Ministries/AIDS Assist
Public Housing Residents – Housing Authority of South Bend, Mishawaka Housing Authority, St.
Joseph County Housing Authority
Describe programs for ensuring that persons returning from mental and physical health
institutions receive appropriate supportive housing
Oaklawn Psychiatric Center receives HOME funds through the St. Joseph County Housing Consortium for
tenant-based rental assistance. With this support Oaklawn is able to provide rent assistance that allows
severely mentally ill individuals to live independently while still receiving psychiatric services. Oaklawn
also receives Permanent Supportive Housing and Scattered Site Rental assistance through CoC (formerly
Shelter + Care) grants.
Specify the activities that the jurisdiction plans to undertake during the next year to address
the housing and supportive services needs identified in accordance with 91.215(e) with
respect to persons who are not homeless but have other special needs. Link to one-year
goals. 91.315(e)
Please see response for entitlement/consortia grantees.
For entitlement/consortia grantees: Specify the activities that the jurisdiction plans to
undertake during the next year to address the housing and supportive services needs
identified in accordance with 91.215(e) with respect to persons who are not homeless but
have other special needs. Link to one-year goals. (91.220(2))
In South Bend, priority areas include addressing housing needs for elderly homeowners and renters, frail
elderly homeowners with medical issues, persons with mental disabilities, persons with physical
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disabilities, and persons with HIV/AIDS. Over the five-year period of this plan, an estimated more than
2,500 people will be assisted. Efforts to achieve the following objectives will be undertaken:
Allow elderly to live in their home longer;
Address medical-related home improvements for the elderly;
Improve aging housing stock;
Provide options for elderly rental housing;
Provide housing options and support for the mentally ill;
Provide housing options and support for the chronically homeless;
Provide housing options and support for persons with HIV/AIDS and their families, including
children;
Provide housing options for the disabled.
A combination of resources will be used to address these needs during 2015.
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MA-40 Barriers to Affordable Housing - 91.410, 91.210(e)
Describe any negative effects of public policies on affordable housing and residential
investment
The following public policies could negatively impact affordable housing and residential investment:
Property Tax Rate - Homeowners in South Bend and Mishawaka pay city taxes while those in the County
Remainder do not. To address this problem, South Bend has implemented a residential tax abatement
program.
Design Standards - South Bend and Mishawaka require design improvements such as curbs, sidewalks
and drainage. The areas within the unincorporated county do not require these infrastructure
improvements.
Building Codes and Local Historic Districts - Codes related to construction and development allow no
special provision waivers for the construction of new, or rehab of existing, affordable housing. The lack
of provision waivers for affordable housing could be considered a barrier to the development of
affordable housing.
Local regulations for historic districts require exterior compatibility at the time of renovation or
rehabilitation, possibly imposing costs which could make the development of affordable housing within
those districts more expensive.
Regulatory Barriers in the Rural and Suburban Areas - Roughly sixty percent of the land in the
unincorporated areas of St. Joseph County is zoned agricultural, meaning a home built in the district
must have a minimum of a twenty acre lot. This requirement limits the development of affordable
housing in areas zoned agricultural.
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MA-45 Non-Housing Community Development Assets - 91.410, 91.210(f)
Introduction
Economic Development Market Analysis
Business Activity
Business by Sector Number of
Workers Number of Jobs Share of Workers
% Share of Jobs
% Jobs less workers
%
Agriculture, Mining, Oil & Gas Extraction 77 6 0 0 0
Arts, Entertainment, Accommodations 4,216 4,136 9 7 -2
Construction 2,096 2,101 5 3 -2
Education and Health Care Services 11,229 22,675 25 38 13
Finance, Insurance, and Real Estate 1,990 2,467 4 4 0
Information 928 1,306 2 2 0
Manufacturing 7,603 5,158 17 9 -8
Other Services 2,357 3,993 5 7 2
Professional, Scientific, Management Services 4,032 3,128 9 5 -4
Public Administration 1,177 3,695 3 6 3
Retail Trade 6,013 5,611 13 9 -4
Transportation and Warehousing 1,876 2,594 4 4 0
Wholesale Trade 1,431 3,201 3 5 2
Total 45,025 60,071 -- -- --
Table 40 - Business Activity
Data Source: 2005-2009 ACS (Workers), 2010 ESRI Business Analyst Package (Jobs)
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Labor Force
Total Population in the Civilian Labor Force 50,967
Civilian Employed Population 16 years and
over 45,025
Unemployment Rate 11.66
Unemployment Rate for Ages 16-24 32.74
Unemployment Rate for Ages 25-65 7.90
Table 41 - Labor Force
Data Source: 2005-2009 ACS Data
Occupations by Sector Number of People
Management, business and financial 12,536
Farming, fisheries and forestry occupations 55
Service 8,621
Sales and office 12,251
Construction, extraction, maintenance and
repair 3,348
Production, transportation and material
moving 8,214
Table 42 – Occupations by Sector
Data Source: 2005-2009 ACS Data
Travel Time
Travel Time Number Percentage
< 30 Minutes 35,599 83%
30-59 Minutes 6,101 14%
60 or More Minutes 977 2%
Total 42,677 100%
Table 43 - Travel Time
Data Source: 2005-2009 ACS Data
Education:
Educational Attainment by Employment Status (Population 16 and Older)
Educational Attainment In Labor Force
Civilian Employed Unemployed Not in Labor
Force
Less than high school graduate 4,473 809 3,343
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Educational Attainment In Labor Force
Civilian Employed Unemployed Not in Labor
Force
High school graduate (includes
equivalency) 11,028 1,848 3,330
Some college or Associate's degree 11,202 1,175 2,824
Bachelor's degree or higher 10,287 311 1,767
Table 44 - Educational Attainment by Employment Status
Data Source: 2005-2009 ACS Data
Educational Attainment by Age
Age
18–24 yrs 25–34 yrs 35–44 yrs 45–65 yrs 65+ yrs
Less than 9th grade 445 525 662 1,018 1,482
9th to 12th grade, no diploma 1,905 1,985 1,825 2,610 2,007
High school graduate, GED, or
alternative 3,450 4,313 3,921 7,972 5,477
Some college, no degree 3,529 3,948 2,850 4,770 2,127
Associate's degree 186 1,184 949 1,519 348
Bachelor's degree 672 2,808 1,563 3,298 1,078
Graduate or professional degree 67 1,327 900 2,507 1,071
Table 45 - Educational Attainment by Age
Data Source: 2005-2009 ACS Data
Educational Attainment – Median Earnings in the Past 12 Months
Educational Attainment Median Earnings in the Past 12 Months
Less than high school graduate 18,074
High school graduate (includes equivalency) 22,877
Some college or Associate's degree 27,453
Bachelor's degree 34,945
Graduate or professional degree 42,002
Table 46 – Median Earnings in the Past 12 Months
Data Source: 2005-2009 ACS Data
Based on the Business Activity table above, what are the major employment sectors within
your jurisdiction?
Education and health services, manufacturing, and retail.
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Describe the workforce and infrastructure needs of the business community:
More workers with technology skills are needed to fill new high-tech jobs in the area. The City of South
Bend has implemented several initiatives in recent years to update infrastructure to attract business. As
a result, major improvements to infrastructure to accommodate the business community are not
generally necessary.
Describe any major changes that may have an economic impact, such as planned local or
regional public or private sector investments or initiatives that have affected or may affect
job and business growth opportunities during the planning period. Describe any needs for
workforce development, business support or infrastructure these changes may create.
Examples of the variety of mechanisms the community has employed to address poverty included the
Center for Homeless STAR (Skilled, Trained, Able, and Ready) program which incorporated job readiness,
externships, job retention, and job search assistance. Another program that assists poverty-level
families is Bridges Out of Poverty. Bridges Out of Poverty is a local program based on a nationally
recognized model that serves to educate both the low-income individual and the employer community
on how to work together to address issues that prevent people in poverty from becoming employed.
How do the skills and education of the current workforce correspond to employment
opportunities in the jurisdiction?
The SMART program, described below, merges various local employer advisory boards into one council
to provide a unified local effort in job creation. The program helps develop a skilled workforce to meet
the needs of local manufacturers.
Describe any current workforce training initiatives, including those supported by Workforce
Investment Boards, community colleges and other organizations. Describe how these efforts
will support the jurisdiction's Consolidated Plan.
In 2014, the City of South Bend, in conjunction with the City of Mishawaka, the St. Joseph County
Chamber of Commerce, IVY Tech Community College, WorkOne Development, and a number of local
businesses launched a new workforce training initiative, "Supporting Manufacturers and Regional
Talent" (SMART). SMART assists residents in obaining the necessary skills to participate in a wider range
of employment opportunities. Participants are trained thorugh IVY Tech as skilled workers in
manufacturing. SMART also merges various local employer advisory boards into one council to provide
a unified local effort in job creation. The program helps develop a skilled workforce to meet the needs
of local manufacturers.
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Does your jurisdiction participate in a Comprehensive Economic Development Strategy
(CEDS)?
No
If so, what economic development initiatives are you undertaking that may be coordinated
with the Consolidated Plan? If not, describe other local/regional plans or initiatives that
impact economic growth.
Discussion
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MA-50 Needs and Market Analysis Discussion
Are there areas where households with multiple housing problems are concentrated?
(include a definition of "concentration")
Please see the attached Analysis of Impediments to Fair Housing for detailed information.
Are there any areas in the jurisdiction where racial or ethnic minorities or low-income
families are concentrated? (include a definition of "concentration")
From the Analysis of Impediments to Fair Housing (attached):
An area of racial or ethnic minority concentration is defined as a geographic area where the percentage
of a particular minority or ethnic group is 10 percentage points or higher than the county. In St. Joseph
County, Blacks accounted for 12.7% of the total population in 2010. An area of concentration of Black
residents would be any census tract where Blacks comprised 22.7% or more of the population. Twenty-
one of the census tracts in the county demonstrated high concentrations of Black residents. These high
concentration areas accounted for 28% of all tracts in the county. There are no other areas of racial
concentration.
Ethnically, Hispanics accounted for 7.3% of the county population 2010. An area of ethnic concentration
would include census tracts were 17.3% or more of the population are Hispanic. High concentrations
were present in 10 of the tracts, about 13.3% of all tracts in the county.
Nine census tracts (23, 24, 25, 26, 27, 28, 29, 30, and 34) exhibited both high concentrations of racial
and ethnic minorities.
Figures 2 and 3 and Table 5 detail the locations of the area of minority concentrations. As demonstrated
in the maps, the highest concentrations of minority residents are located on the western side of the City
of South Bend. This area also contains high concentrations of low income individuals and is
characterized by both a deteriorated housing stock and economic decline.
What are the characteristics of the market in these areas/neighborhoods?
These neighborhoods demonstrate high rates of residential vacancy and abandonment, and a high
incidence of sub-prime loans. Those neighborhoods that are located closer to the downtown area have
begun to see some redevelopment activity and therefore have greater market potential.
Are there any community assets in these areas/neighborhoods?
Salvation Army Kroc Center
Charles Black Recreation Center
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Charles Martin Center
Colfax Cultural Center
La Casa de Amistad
Notre Dame Center for Arts and Culture
St. Joseph County Public Library - LaSalle and Western branches
Are there other strategic opportunities in any of these areas?
1. Longer term land assembly (after demolition) for development
2. Current corridor planning and targeted node improvements, plus infrastructure work on
Lincolnway West and Western Avenue
3. Emergence of 466 Works for activity in an area that ha snot had an active development group
4. Parks and Recreation Department Master Plan (forthcoming) can assist in addressing status of
existing park areas in HCD Plan target areas
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Strategic Plan
SP-05 Overview
Strategic Plan Overview
While funds will be directed to other sites across the City of South Bend, they will be targeted to the
Near Northwest (Census Tract 6) and Near West Side (Census Tract 19). These neighborhoods show
relatively low incomes and high concentrations of poverty, high rates of residential vacancy and
abandonment, and a high incidence of sub-prime loans. The target areas, adjacent to downtown, are
also areas that have begun to see some redevelopment activity, have greater market potential, and
have been areas of focus by local nonprofit housing organizations. It is anticipated that 67% of the HCD
Plan-related funds allocated to South Bend will be devoted to these two target areas.
Numerous sources of funding are expected to be available to support the various federal funds for
Supporting Homeowners and Helping Renters become Homeowners. In addition to annual CDBG &
HOME funds, Neighborhood Stabilization Program (NSP1 and 3 program income), private local financial
institution support, and general community donations are anticipated. A consortium of six local financial
institutions will continue to pool resources to provide mortgage assistance to new homeowners through
the Community Homebuyers Corporation (CHC) program. Rebuilding Together will rehab homes in 2014
with CDBG dollars and local labor and material donations. South Bend Home Improvement Program
(SBHIP) will rehab owner-occupied homes with CDBG.
Housing counseling will be made available through CDBG, South Bend city resources and state dollars via
the Indiana Foreclosure Prevention Network. Additionally, in 2011, the Hardest Hit Funds Program was
added to the tool box of assistance to those in foreclosure trouble. All of these funding sources allow the
counseling activity that supports the efforts for homeownership as noted previously. Over 200
households are expected to attend a counseling session and or class in 2014.
Promoting Quality Rental Property will be realized with the PHA's Section 8 vouchers, as well as HOME
funds for Tenant Based Rental Assistance and improvements to previously assisted rental units in St.
Joseph County.
Efforts to prevent homelessness and assist the homeless will continue to be supported with Emergency
Solutions Grant (ESG) funds, as well as HEARTH McKinney-Vento Homeless funds. 2014 ESG funding will
be allocated as follows: 60% for operations, emergency shelters and outreach, 39% for rapid re-housing
and 1% for program administration.
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SP-10 Geographic Priorities - 91.415, 91.215(a)(1)
Geographic Area
Table 47 - Geographic Priority Areas
1 Area Name: Census Tract 19
Area Type: Local Target area
Other Target Area Description:
HUD Approval Date:
% of Low/ Mod:
Revital Type: Comprehensive
Other Revital Description:
Identify the neighborhood boundaries for this
target area.
Include specific housing and commercial
characteristics of this target area.
How did your consultation and citizen
participation process help you to identify this
neighborhood as a target area?
Identify the needs in this target area.
What are the opportunities for improvement in
this target area?
Are there barriers to improvement in this
target area?
2 Area Name: Census Tract 6
Area Type: Local Target area
Other Target Area Description:
HUD Approval Date:
% of Low/ Mod:
Revital Type: Comprehensive
Other Revital Description:
Identify the neighborhood boundaries for this
target area.
Include specific housing and commercial
characteristics of this target area.
Consolidated Plan SOUTH BEND 72
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How did your consultation and citizen
participation process help you to identify this
neighborhood as a target area?
Identify the needs in this target area.
What are the opportunities for improvement in
this target area?
Are there barriers to improvement in this
target area?
3 Area Name: City of Mishawaka
Area Type: St. Joseph County Housing Consortium
Jurisdiction
Other Target Area Description: St. Joseph County Housing Consortium
Jurisdiction
HUD Approval Date:
% of Low/ Mod:
Revital Type:
Other Revital Description:
Identify the neighborhood boundaries for this
target area.
Include specific housing and commercial
characteristics of this target area.
How did your consultation and citizen
participation process help you to identify this
neighborhood as a target area?
Identify the needs in this target area.
What are the opportunities for improvement in
this target area?
Are there barriers to improvement in this
target area?
4 Area Name: City of South Bend
Area Type: CDBG Entitlement and St. Joseph County
Housing Consortium Jurisdiction
Other Target Area Description: CDBG Entitlement and St. Joseph County
Housing Consortium Jurisdiction
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HUD Approval Date:
% of Low/ Mod:
Revital Type:
Other Revital Description:
Identify the neighborhood boundaries for this
target area.
Include specific housing and commercial
characteristics of this target area.
How did your consultation and citizen
participation process help you to identify this
neighborhood as a target area?
Identify the needs in this target area.
What are the opportunities for improvement in
this target area?
Are there barriers to improvement in this
target area?
5 Area Name: Northeast Neighborhood
Area Type: Local Target area
Other Target Area Description:
HUD Approval Date:
% of Low/ Mod:
Revital Type: Housing
Other Revital Description:
Identify the neighborhood boundaries for this
target area.
Include specific housing and commercial
characteristics of this target area.
How did your consultation and citizen
participation process help you to identify this
neighborhood as a target area?
Identify the needs in this target area.
What are the opportunities for improvement in
this target area?
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Are there barriers to improvement in this
target area?
6 Area Name: St. Joseph County - Not South Bend or
Mishawaka
Area Type: St. Joseph County Housing Consortium
Jurisdiction
Other Target Area Description: St. Joseph County Housing Consortium
Jurisdiction
HUD Approval Date:
% of Low/ Mod:
Revital Type:
Other Revital Description:
Identify the neighborhood boundaries for this
target area.
Include specific housing and commercial
characteristics of this target area.
How did your consultation and citizen
participation process help you to identify this
neighborhood as a target area?
Identify the needs in this target area.
What are the opportunities for improvement in
this target area?
Are there barriers to improvement in this
target area?
7 Area Name: Lincoln Park Neighborhood
Area Type: Local Target area
Other Target Area Description:
HUD Approval Date:
% of Low/ Mod:
Revital Type: Housing
Other Revital Description:
Identify the neighborhood boundaries for this
target area.
Lincolnway West (north), Martin Luther King,
Jr. Drive (east), LaSalle Street (south), Walnut
Street (west)
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Include specific housing and commercial
characteristics of this target area.
The typical house in this neighborhood was
built over 100 years ago. Relative to
surrounding areas, the area has seen
disinvestment in housing and commercial
properties.
How did your consultation and citizen
participation process help you to identify this
neighborhood as a target area?
Identify the needs in this target area.
What are the opportunities for improvement in
this target area?
Are there barriers to improvement in this
target area?
8 Area Name: Olive Street - Lincolnway West Neighborhood
Area Type: Local Target area
Other Target Area Description:
HUD Approval Date:
% of Low/ Mod:
Revital Type: Housing
Other Revital Description:
Identify the neighborhood boundaries for this
target area.
Elwood Street (north), Wilber Street (east),
Bertrand Street (south), Bendix Drive (west).
Include specific housing and commercial
characteristics of this target area.
This area has seen housing and commercial
disinvestment in recent years.
How did your consultation and citizen
participation process help you to identify this
neighborhood as a target area?
A key node in the City of South Bend's Corridor
Plan is Olive Street-Lincolnway West.
Identify the needs in this target area. Housing and commercial investment.
What are the opportunities for improvement in
this target area?
Increased investment in owner-occupied
housing and business enterprises through
owner-occupied rehab and commercial facade
loans.
Are there barriers to improvement in this
target area?
Area Name: River Park Neighborhood
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9 Area Type: Local Target area
Other Target Area Description:
HUD Approval Date:
% of Low/ Mod:
Revital Type: Housing
Other Revital Description:
Identify the neighborhood boundaries for this
target area.
Include specific housing and commercial
characteristics of this target area.
Railroad tracks (north), Logan Street (east), St.
Joseph River (south), Twyckenham Drive
(west)
How did your consultation and citizen
participation process help you to identify this
neighborhood as a target area?
Identify the needs in this target area.
What are the opportunities for improvement in
this target area?
Are there barriers to improvement in this
target area?
General Allocation Priorities
Describe the basis for allocating investments geographically within the state
Based on data received from HUD for the NSP1 and NSP3 programs, the areas of greatest need in the
City of South Bend were identified as Census Tracts 6, 4, 21, and 5, four of which are located in the Near
Northwest and Near West Neighborhoods. The City also identified Census Tracts 19 and 20 as areas of
greatest need based on the data and foreseen likelihood of foreclosures. Census Tract 19 is ranked as
the 10th area most in need; however, it is believed that its proximity to four of the top five census tracts
makes it a critical area to help stabilize. For 2015-2019 the City of South Bend will be focusing funds for
housing activities in Census Tracts 6 and 19.
Additionally, the geographic allocation of resources was based upon:
History of the City's focus/redevelopment and support of the Community Development
Corporations (CDCs) complementing previous investment
Areas of need per NSP determinations
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Location of most vacant and abandoned structures
High foreclosure rate (NSP)
Age of housing stock
High cost loans (NSP)
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SP-25 Priority Needs - 91.415, 91.215(a)(2)
Priority Needs
Table 48 – Priority Needs Summary
1 Priority Need
Name
Acquisition / Rehab
Priority Level High
Population Extremely Low
Low
Moderate
Large Families
Families with Children
Geographic
Areas
Affected
River Park Neighborhood
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Census Tract 6
Census Tract 19
Associated
Goals
Rehab; Single-Unit Residential
Rehabilitation Administration
Description Acquisition and rehab of vacant/abandoned houses for resale to income-
eligible households.
Basis for
Relative
Priority
With the onset of the housing crisis nationally and the resulting number of
vacant and abandoned homes in South Bend, activities including
vacant/abandoned housing acquisition and rehabilitation are seen as critical to
achieving revitalization.
2 Priority Need
Name
Homeownership Assistance
Priority Level High
Population Low
Moderate
Large Families
Families with Children
Geographic
Areas
Affected
Northeast Neighborhood
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Direct Homeownership Assistance
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Description Provide low-moderate income homebuyers with down payment and closing
cost assistance.
Basis for
Relative
Priority
Increasing opportunities for low-mod income households to become
homeowners, while increasing the number of owner-occupied homes in
neighborhoods, is a high priority for South Bend.
3 Priority Need
Name
Owner-Occupied Rehabilitation
Priority Level High
Population Extremely Low
Low
Moderate
Large Families
Families with Children
Geographic
Areas
Affected
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Olive Street - Lincolnway West Neighborhood
Associated
Goals
Owner-Occupied Rehab
Description Provide essential repairs to owner-occupied homes.
Basis for
Relative
Priority
The age of the housing stock in South Bend creates challenges for low-mod
income homeowners. To assist these residents, South Bend provides CDBG for
owner-occupied rehab activities.
4 Priority Need
Name
Public Improvements - Demolition
Priority Level High
Population Non-housing Community Development
Geographic
Areas
Affected
Census Tract 6
Census Tract 19
Associated
Goals
Clearance and Demolition
Description Demolish blighted, vacant and abandoned houses in low-mod income areas.
Basis for
Relative
Priority
With the onset of the housing crisis nationally and the resulting number of
vacant and abandoned homes in South Bend, activities including demolition of
substandard vacant properties are seen as necessary to achieving revitalization
and assuring other investment.
Consolidated Plan SOUTH BEND 80
OMB Control No: 2506-0117 (exp. 07/31/2015)
5 Priority Need
Name
Technical Assistance
Priority Level High
Population Non-housing Community Development
Geographic
Areas
Affected
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Technical Assistance
Description Support technical assistance to neighborhood organizations in low-mod income
areas.
Basis for
Relative
Priority
Increasing the capacity of neighborhood based entities in South Bend to
implement revitalization activities is considered important for strengthening
communities.
6 Priority Need
Name
Public Services
Priority Level High
Population Non-housing Community Development
Geographic
Areas
Affected
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Public Services (General)
Description Support police foot patrols in low-mod income neighborhoods.
Basis for
Relative
Priority
An increased police presence through bike and foot patrols is considered an
important component of increased public safety.
7 Priority Need
Name
Tenant-Based Rental Assistance
Priority Level High
Consolidated Plan SOUTH BEND 81
OMB Control No: 2506-0117 (exp. 07/31/2015)
Population Extremely Low
Large Families
Families with Children
Chronic Homelessness
Individuals
Families with Children
Mentally Ill
Chronic Substance Abuse
veterans
Persons with HIV/AIDS
Victims of Domestic Violence
Unaccompanied Youth
Persons with Mental Disabilities
Persons with Alcohol or Other Addictions
Persons with HIV/AIDS and their Families
Victims of Domestic Violence
Geographic
Areas
Affected
St. Joseph County Housing Consortium Jurisdiction
St. Joseph County Housing Consortium Jurisdiction
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Tenant-Based Rental Assistance
Description Subsidize rent payments for severely mentally ill individuals.
Basis for
Relative
Priority
It is a high priority to provide rental assistance for individuals that are seriously
mentally ill for safe, affordable housing where they can live semi-independently
with supportive services.
8 Priority Need
Name
New Construction
Priority Level High
Population Low
Moderate
Large Families
Families with Children
Geographic
Areas
Affected
St. Joseph County Housing Consortium Jurisdiction
St. Joseph County Housing Consortium Jurisdiction
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Lincoln Park Neighborhood
Associated
Goals
Construction of Housing
Consolidated Plan SOUTH BEND 82
OMB Control No: 2506-0117 (exp. 07/31/2015)
Description Provide development subsidies for new construction single-family homes.
Basis for
Relative
Priority
The demolition of substandard vacant/abandoned homes has left many empty
lots in South Bend's older neighborhoods. Infill construction of safe, decent,
affordable homes addresses the issue of vacant lots while providing
homeownership opportunities to low-mod income households, and is
considered a high priority.
9 Priority Need
Name
Shelter Operations
Priority Level High
Population Extremely Low
Large Families
Families with Children
Elderly
Chronic Homelessness
Individuals
Families with Children
Chronic Substance Abuse
Persons with HIV/AIDS
Victims of Domestic Violence
Unaccompanied Youth
Geographic
Areas
Affected
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Operating Costs of Homeless/AIDS Patients Programs
Youth Services
Battered and Abused Spouses
Description Subsidize the cost of operating homeless shelters.
Basis for
Relative
Priority
Providing emergency shelter for the vulnerable homeless population, while
strengthening shelter services is the first step towards entering a stable housing
situation, and is considered a high priority.
10 Priority Need
Name
Rapid Re-Housing
Priority Level High
Consolidated Plan SOUTH BEND 83
OMB Control No: 2506-0117 (exp. 07/31/2015)
Population Extremely Low
Large Families
Families with Children
Chronic Homelessness
Individuals
Families with Children
Chronic Substance Abuse
veterans
Persons with HIV/AIDS
Victims of Domestic Violence
Unaccompanied Youth
Geographic
Areas
Affected
St. Joseph County Housing Consortium Jurisdiction
St. Joseph County Housing Consortium Jurisdiction
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Rapid Re-Housing
Description Provide rapid re-housing assistance in the form of rent and/or utility subsidies
to homeless individuals/families.
Basis for
Relative
Priority
Reducing the number of homeless households involving families with children,
both sheltered and unsheltered, is a high priority of the Continuum of Care.
11 Priority Need
Name
Administration
Priority Level High
Population Other
Geographic
Areas
Affected
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Administration
Description Support administration of CDBG, HOME and ESG programs.
Basis for
Relative
Priority
Support for staff costs associated with administering CDBG, HOME and ESG
grants is a high priority.
12 Priority Need
Name
Fair Housing
Consolidated Plan SOUTH BEND 84
OMB Control No: 2506-0117 (exp. 07/31/2015)
Priority Level High
Population Other
Geographic
Areas
Affected
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Fair Housing
Description Support activities that promote fair housing.
Basis for
Relative
Priority
Ensuring that South Bend residents have access to Fair Housing investigators
and information is a high priority.
13 Priority Need
Name
Housing Counseling
Priority Level High
Population Extremely Low
Low
Moderate
Large Families
Families with Children
Geographic
Areas
Affected
St. Joseph County Housing Consortium Jurisdiction
St. Joseph County Housing Consortium Jurisdiction
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Housing Counseling
Description Provide pre-purchase, credit, and foreclosure counseling to low-mod income
households.
Basis for
Relative
Priority
Homebuyer education in support of homeownership for low-mod income
households is considered a high priority.
14 Priority Need
Name
Historic Preservation Administration
Priority Level High
Population Other
Consolidated Plan SOUTH BEND 85
OMB Control No: 2506-0117 (exp. 07/31/2015)
Geographic
Areas
Affected
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Historic Preservation Administration
Description Support administration of Section 106 reviews.
Basis for
Relative
Priority
Support for HPC staff costs associated with conducting local historic review of
federally funded projects is considered a priority.
15 Priority Need
Name
Section 108 Loan Payment
Priority Level High
Population Extremely Low
Low
Moderate
Geographic
Areas
Affected
CDBG Entitlement and St. Joseph County Housing Consortium Jurisdiction
Associated
Goals
Section 108 Loan Repayment
Description Pay balance of Section 108 loan.
Basis for
Relative
Priority
Use CDBG as collateral for loan repayment.
Narrative (Optional)
Support for staff costs associated with conducting local historic review of federally funded projects is
considered a high priority.
Consolidated Plan SOUTH BEND 86
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-30 Influence of Market Conditions - 91.415, 91.215(b)
Influence of Market Conditions
Affordable
Housing Type
Market Characteristics that will influence
the use of funds available for housing type
Tenant Based
Rental Assistance
(TBRA)
Agencies have expressed difficulty in finding housing units in St. Joseph County
that are affordable to clients and pass the Housing Quality Standard (HQS)
Inspection. ESG and HOME funds will be used to subsidize rent payments for
eligible low-moderate income households.
TBRA for Non-
Homeless Special
Needs
Agencies have expressed difficulty in finding housing units in St. Joseph County
that are affordable to clients and pass the Housing Quality Standard (HQS)
Inspection. HOME funds will be used to subsidize rent payments for eligible
severely mentally ill clients of Oaklawn Psychiatric Center.
New Unit
Production
An increase in the number of blighted, vacant/abandoned houses demolished
in South Bend has created many lots available for in-fill new
construction. HOME funds will be used to subsidize Habitat for Humanity new
construction.
Rehabilitation Many low-moderate income homeowners in South Bend live in older homes
that are in need of home repairs. CDBG funds will be used to provide essential
repairs for eligible homeowners.
Acquisition,
including
preservation
Many vacant/abandoned houses in South Bend are suitable for rehab. CDBG
and HOME funds will be used to acquire and rehab these properties.
Table 49 – Influence of Market Conditions
Consolidated Plan SOUTH BEND 87
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-35 Anticipated Resources - 91.420(b), 91.215(a)(4), 91.220(c)(1,2)
Introduction
As an entitlement community, the City of South Bend annually receives approximately $2,300,000 in
Community Development Block Grant (CDBG) funds, approximately $700,000 in HOME funding and
approximately $190,000 in Emergency Solutions Grant (ESG) funds. In addition, anticipated CDBG and
HOME program income is incorporated into annual budgets.
Consolidated Plan SOUTH BEND 88
OMB Control No: 2506-0117 (exp. 07/31/2015)
Anticipated Resources
Program Source
of
Funds
Uses of Funds Expected Amount Available Year 1 Expected
Amount
Available
Reminder
of
ConPlan
$
Narrative Description
Annual
Allocation:
$
Program
Income:
$
Prior Year
Resources:
$
Total:
$
CDBG public -
federal
Acquisition
Admin and
Planning
Economic
Development
Housing
Public
Improvements
Public Services 2,344,084 18,000 0 2,362,084 0
All activities receiving South Bend's CDBG
funding are generally targeted to specific
and complementary geographies and
activities. In 2015 South Bend will continue
to target the Near Northwest and Near
West Side Neighborhoods through
partnerships with two CDCs, Habitat for
Humanity, and Rebuilding Together. These
areas show relatively low incomes and high
concentrations of poverty, high rates of
residential vacancy and abandonment, and
a high incidence of sub-prime loans. The
target areas, adjacent to downtown, are
also neighborhoods that have begun to see
some redevelopment activity and have
greater market potential. Programs that
assist existing owner-occupants with repairs
and promote first time homebuyers will
help support housing throughout the City of
South Bend.
Consolidated Plan SOUTH BEND 89
OMB Control No: 2506-0117 (exp. 07/31/2015)
Program Source
of
Funds
Uses of Funds Expected Amount Available Year 1 Expected
Amount
Available
Reminder
of
ConPlan
$
Narrative Description
Annual
Allocation:
$
Program
Income:
$
Prior Year
Resources:
$
Total:
$
HOME public -
federal
Acquisition
Homebuyer
assistance
Homeowner
rehab
Multifamily
rental new
construction
Multifamily
rental rehab
New
construction
for ownership
TBRA 683,011 0 303,750 986,761 0
2015 HOME funding will support housing
programs such as
acquisition/rehabilitation/resale, new
construction development subsidies and
tenant-based rental assistance throughout
St. Joseph County in 2014. The HOME
program will exceed the 25 percent match
requirements through private funding and
project sponsors.
Consolidated Plan SOUTH BEND 90
OMB Control No: 2506-0117 (exp. 07/31/2015)
Program Source
of
Funds
Uses of Funds Expected Amount Available Year 1 Expected
Amount
Available
Reminder
of
ConPlan
$
Narrative Description
Annual
Allocation:
$
Program
Income:
$
Prior Year
Resources:
$
Total:
$
ESG public -
federal
Conversion and
rehab for
transitional
housing
Financial
Assistance
Overnight
shelter
Rapid re-
housing (rental
assistance)
Rental
Assistance
Services
Transitional
housing 212,235 0 0 212,235 0
Based on agreement with the St. Joseph
County Continuum of Care, 2015 ESG
funding will be allocated as follows: up to
7.5% for program administration; no less
than 32.5% for rapid re-housing; and, no
more than 60% of funds will be spent on
operations and essential services and for
emergency shelters.
Table 50 - Anticipated Resources
Explain how federal funds will leverage those additional resources (private, state and local funds), including a description of how
matching requirements will be satisfied
CDBG funds will leverage private investment by Community Homebuyers Corporation for forgivable 2nd mortgages to low-mod income
households in South Bend.
Consolidated Plan SOUTH BEND 91
OMB Control No: 2506-0117 (exp. 07/31/2015)
CDBG and HOME funds will leverage private donations to the Near Northwest Neighborhood for community revitalization efforts.
Rebuilding Together will leverage CDBG funds with discounted materials and services, volunteer labor and private donations.
Habitat for Humanity will leverage CDBG and HOME dollars with donated materials and services, as well as volunteer labor and private
donations.
Oaklawn Psychiatric Center will leverage HOME funding for rental assistance with support services provided by center staff.
The required 100% match for ESG is projected to be in the form of in-kind/volunteer labor, cash and materials donations and United Way
funding.
If appropriate, describe publically owned land or property located within the jurisdiction that may be used to address the needs
identified in the plan
Not applicable.
Discussion
Consolidated Plan SOUTH BEND 92
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-40 Institutional Delivery Structure - 91.415, 91.215(k)
Explain the institutional structure through which the jurisdiction will carry out its consolidated plan
including private industry, non-profit organizations, and public institutions.
Responsible Entity Responsible Entity
Type
Role Geographic Area
Served
NEAR NORTHWEST
NEIGHBORHOOD, INC.
CHDO Ownership
SOUTH BEND
HERITAGE
FOUNDATION
Non-profit
organizations
Ownership
Rental
public facilities
HABITAT FOR
HUMANITY OF ST.
JOSEPH COUNTY
Non-profit
organizations
Ownership
Center for the
Homeless, Inc
Continuum of care Homelessness
YWCA North Central
Indiana
Continuum of care Homelessness
YOUTH SERVICE
BUREAU
Continuum of care Homelessness
OAKLAWN
PSYCHIATRIC CENTER,
INC.
Continuum of care Homelessness
Non-homeless special
needs
Housing Authority of
South Bend
PHA Public Housing
Housing Assistance
Office Inc
PHA Ownership
Public Housing
Rental
LIFE TREATMENT
CENTERS
Continuum of care Homelessness
AIDS MINISTRIES/AIDS
ASSIST
Continuum of care Homelessness
South Bend Human
Rights Commission
Government Planning
South Bend Police
Department
Government public services
Neighborhood
Resources & Technical
Services Corp
Non-profit
organizations
Planning
Dept of Code
Enforcement
Government neighborhood
improvements
Consolidated Plan SOUTH BEND 93
OMB Control No: 2506-0117 (exp. 07/31/2015)
Responsible Entity Responsible Entity
Type
Role Geographic Area
Served
Dismas House of South
Bend
Non-profit
organizations
Homelessness
Non-homeless special
needs
United Religious
Community Advocacy
Center
Non-profit
organizations
Homelessness
St Joseph County
Historic Preservation
Commission
Government Planning
NNRO Non-profit
organizations
Ownership
REBUILDING TOGETHER Non-profit
organizations
Ownership
REAL SERVICES, INC. Non-profit
organizations
Ownership
COMMUNITY
HOMEBUYER
CORPORATION
Non-profit
organizations
Ownership
Table 51 - Institutional Delivery Structure
Assess of Strengths and Gaps in the Institutional Delivery System
The following strengths and gaps exist in the local delivery system:
Strengths:
Ability of local nonprofit agencies to deliver quality services
Ability of local nonprofit agencies to leverage dollars
Ability of entitlement communities to leverage dollars
The number of state, local and nonprofit agencies delivering local services
Cooperation and collaboration among local providers
Flexibility of providers in accommodating City’s goals
Positive relationship between government and service providers
Gaps:
Full coordination of resources across the three jurisdictions
Difficulty in providing services to areas outside the Cities of South Bend and Mishawaka
Consolidated Plan SOUTH BEND 94
OMB Control No: 2506-0117 (exp. 07/31/2015)
Availability of services targeted to homeless persons and persons with HIV and mainstream
services
Homelessness Prevention
Services
Available in the
Community
Targeted to
Homeless
Targeted to People
with HIV
Homelessness Prevention Services
Counseling/Advocacy X X X
Legal Assistance X X X
Mortgage Assistance X
Rental Assistance X X X
Utilities Assistance X X X
Street Outreach Services
Law Enforcement X
Mobile Clinics X
Other Street Outreach Services X X
Supportive Services
Alcohol & Drug Abuse X X X
Child Care X X
Education X X
Employment and Employment
Training X X
Healthcare X X X
HIV/AIDS X X X
Life Skills X X
Mental Health Counseling X X X
Transportation X X X
Other
Table 52 - Homeless Prevention Services Summary
Describe how the service delivery system including, but not limited to, the services listed
above meet the needs of homeless persons (particularly chronically homeless individuals and
families, families with children, veterans and their families, and unaccompanied youth)
Services targeted to homeless persons and persons with HIV in St. Joseph County are made available
through the individual CoC agencies when clients enter their programs.
Consolidated Plan SOUTH BEND 95
OMB Control No: 2506-0117 (exp. 07/31/2015)
Describe the strengths and gaps of the service delivery system for special needs population
and persons experiencing homelessness, including, but not limited to, the services listed
above
The St. Joseph County Continuum of Care has identified the following strengths and gaps exist in the
local delivery system:
Strengths:
Ability of local nonprofit agencies to deliver quality services
Ability of local nonprofit agencies to leverage dollars
Ability of entitlement communities to leverage dollars
The number of state, local and nonprofit agencies delivering local services
Cooperation and collaboration among local providers
Flexibility of providers in accommodating City’s goals
Positive relationship between government and service providers
Gaps:
Lack of harm reduction / safe haven housing
Insufficient number of permanent supportive housing units
Insufficient prevention activities for the precariously housed
Insufficient number of emergency shelter beds for women
Prisoner re-entry issues
Lack of facilities to house convicted sex offenders
Lack of specialized housing/services for homeless youth
Lack of housing for the medically fragile
Continued difficulty with discharge planning within the community
Provide a summary of the strategy for overcoming gaps in the institutional structure and
service delivery system for carrying out a strategy to address priority needs
To develop a system to address gaps in institutional structure and service delivery, the St. Joseph County
Continuum of Care has established the following process:
1. Needs analysis: Annually, each organization serving the homeless assesses the need for services
based on internal organization occupancy reports, waiting lists, inquiry calls, anticipated
program changes, etc. Beginning in June 2003, an actual street count to determine the extent of
unsheltered homeless was conducted. Now the street count, an annual process, is conducted in
the winter.
Consolidated Plan SOUTH BEND 96
OMB Control No: 2506-0117 (exp. 07/31/2015)
2. This information is aggregated at the Committee level; so that an overall community needs level
is established. Implementation of the HMIS has assisted in aggregating data on homeless needs.
3. A Gaps Analysis is performed, comparing the needs identified in step one with the resources
available in the community.
4. Resources, including HUD and other funds, are identified to determine feasibility of new project
development.
5. New projects are discussed and then prioritized by the Committee for funding and
implementation.
6. Evaluation of the effectiveness of new projects (ongoing).
7. Involvement of the City, through the Department of Community Investment, assists in
communication, grants management, and program implementation.
Consolidated Plan SOUTH BEND 97
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-45 Goals - 91.415, 91.215(a)(4)
Goals Summary Information
Sort
Order
Goal Name Start
Year
End
Year
Category Geographic Area Needs Addressed Funding Goal Outcome Indicator
1 Operating Costs of
Homeless/AIDS
Patients Programs
2015 2019 Homeless City of South Bend Shelter Operations ESG:
$60,769
HIV/AIDS Housing
Operations:
15 Household Housing
Unit
2 Clearance and
Demolition
2015 2016 Non-Housing
Community
Development
City of South Bend Public
Improvements -
Demolition
CDBG:
$300,000
Buildings Demolished:
35 Buildings
3 Public Services
(General)
2015 2016 Non-Housing
Community
Development
City of South Bend Public Services CDBG:
$90,000
Public service activities
other than
Low/Moderate Income
Housing Benefit:
44300 Persons Assisted
4 Youth Services 2015 2016 Homeless City of South Bend Shelter Operations ESG:
$23,623
Homeless Person
Overnight Shelter:
100 Persons Assisted
5 Battered and Abused
Spouses
2015 2016 Homeless City of South Bend Shelter Operations ESG:
$26,926
Homeless Person
Overnight Shelter:
1000 Persons Assisted
7 Construction of
Housing
2015 2016 Affordable
Housing
Lincoln Park
Neighborhood
New Construction HOME:
$100,000
Homeowner Housing
Added:
1 Household Housing
Unit
Consolidated Plan SOUTH BEND 98
OMB Control No: 2506-0117 (exp. 07/31/2015)
Sort
Order
Goal Name Start
Year
End
Year
Category Geographic Area Needs Addressed Funding Goal Outcome Indicator
8 Direct
Homeownership
Assistance
2015 2016 Affordable
Housing
Northeast
Neighborhood
City of South Bend
Homeownership
Assistance
CDBG:
$200,000
HOME:
$303,750
Direct Financial
Assistance to
Homebuyers:
16 Households Assisted
9 Rehab; Single-Unit
Residential
2015 2016 Affordable
Housing
River Park
Neighborhood
Census Tract 6
Census Tract 19
Acquisition /
Rehab
CDBG:
$521,723
HOME:
$352,395
Homeowner Housing
Rehabilitated:
5 Household Housing
Unit
10 Rehabilitation
Administration
2015 2016 Affordable
Housing
Census Tract 6
Census Tract 19
Acquisition /
Rehab
CDBG:
$85,000
Homeowner Housing
Rehabilitated:
2 Household Housing
Unit
11 Administration 2015 2016 Administration City of Mishawaka
St. Joseph County -
Not South Bend or
Mishawaka
City of South Bend
Administration CDBG:
$410,500
HOME:
$45,000
ESG:
$15,917
Other:
3 Other
12 Technical Assistance 2015 2016 Non-Housing
Community
Development
City of South Bend Technical
Assistance
CDBG:
$15,000
Other:
2 Other
13 Fair Housing 2015 2016 Non-Housing
Community
Development
City of South Bend Fair Housing CDBG:
$10,000
Other:
200 Other
Consolidated Plan SOUTH BEND 99
OMB Control No: 2506-0117 (exp. 07/31/2015)
Sort
Order
Goal Name Start
Year
End
Year
Category Geographic Area Needs Addressed Funding Goal Outcome Indicator
14 Housing Counseling 2015 2016 Affordable
Housing
City of Mishawaka
St. Joseph County -
Not South Bend or
Mishawaka
City of South Bend
Housing
Counseling
CDBG:
$74,787
Other:
150 Other
16 Historic Preservation
Administration
2015 2016 Administration City of South Bend Historic
Preservation
Administration
CDBG:
$5,000
Other:
1 Other
17 Owner-Occupied
Rehab
2015 2016 Affordable
Housing
City of South Bend
Olive Street -
Lincolnway West
Neighborhood
Owner-Occupied
Rehabilitation
CDBG:
$463,074
Homeowner Housing
Rehabilitated:
50 Household Housing
Unit
18 Rapid Re-Housing 2015 2016 Homeless City of Mishawaka
St. Joseph County -
Not South Bend or
Mishawaka
City of South Bend
Rapid Re-Housing ESG:
$85,000
Tenant-based rental
assistance / Rapid
Rehousing:
70 Households Assisted
19 Section 108 Loan
Repayment
2015 2015 Non-Housing
Community
Development
City of South Bend Section 108 Loan
Payment
CDBG:
$187,000
Other:
1 Other
20 Tenant-Based Rental
Assistance
2015 2015 Non-Homeless
Special Needs
City of Mishawaka
St. Joseph County -
Not South Bend or
Mishawaka
City of South Bend
Tenant-Based
Rental Assistance
HOME:
$35,000
Tenant-based rental
assistance / Rapid
Rehousing:
8 Households Assisted
Table 53 – Goals Summary
Consolidated Plan SOUTH BEND 100
OMB Control No: 2506-0117 (exp. 07/31/2015)
Goal Descriptions
1 Goal Name Operating Costs of Homeless/AIDS Patients Programs
Goal Description Provide funds to subsidize the operating costs of homeless/AIDS patients programs.
2 Goal Name Clearance and Demolition
Goal Description Demolish blighted, vacant and abandoned houses in low-mod income neighborhoods.
3 Goal Name Public Services (General)
Goal Description Subsidize police foot patrols in low-mod income neighborhoods.
4 Goal Name Youth Services
Goal Description Subsidize the operation of a shelter for unaccompanied homeless youth.
5 Goal Name Battered and Abused Spouses
Goal Description Support operation of a shelter for domestic violence victims.
7 Goal Name Construction of Housing
Goal Description Provide development subsidies for new construction single-family homes.
8 Goal Name Direct Homeownership Assistance
Goal Description Provide down payment and/or closing cost assistance to low-mod income homebuyers.
9 Goal Name Rehab; Single-Unit Residential
Goal Description Acquire vacant homes and rehab for resale to income-eligible buyers.
10 Goal Name Rehabilitation Administration
Goal Description Administrative support of housing acquisition/rehab activities.
11 Goal Name Administration
Goal Description Costs for DCI staff administering CDBG, HOME and ESG.
Consolidated Plan SOUTH BEND 101
OMB Control No: 2506-0117 (exp. 07/31/2015)
12 Goal Name Technical Assistance
Goal Description Provide technical assistance to neighborhood associations in low-mod income areas.
13 Goal Name Fair Housing
Goal Description Subsidize fair housing activities carried out by the South Bend Human Rights Commission.
14 Goal Name Housing Counseling
Goal Description Provide pre-purchase, credit and foreclosure counseling to low-mod income households.
16 Goal Name Historic Preservation Administration
Goal Description Support administration of Section 106 reviews.
17 Goal Name Owner-Occupied Rehab
Goal Description Provide essential repairs to homes owned by low-mod income households.
18 Goal Name Rapid Re-Housing
Goal Description Provide rent and/or utility subsidies and/or deposits to individuals and families transitioning out of homelessness.
19 Goal Name Section 108 Loan Repayment
Goal Description Pay balance of Section 108 loan.
20 Goal Name Tenant-Based Rental Assistance
Goal Description Provide rental assistance to severely mentally ill households.
Estimate the number of extremely low-income, low-income, and moderate-income families to whom the jurisdiction will provide
affordable housing as defined by HOME 91.315(b)(2)
In the City of South Bend, the projected families receiving affordable housing: extremely low-income is 78 (tenant-based rental
assistance / rapid re-housing); low-income is 1 (acquisition/rehab/resale and new construction); moderate-income is 5
(acquisition/rehab/resale).
Consolidated Plan SOUTH BEND 102
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-50 Public Housing Accessibility and Involvement - 91.415, 91.215(c)
Need to Increase the Number of Accessible Units (if Required by a Section 504 Voluntary
Compliance Agreement)
Currently, 6.5% of all HASB units are handicapped accessible and the HASB is committed to increasing
that rate as the new additions are brought online. In the 504 needs survey, the HASB received no
responses from any resident wanting accessibility or accommodations that did not have them. The
HASB policy for non handicapped families residing in handicapped units is that should a need arise for a
handicapped unit, the family will be relocated to facilitate the need.
Activities to Increase Resident Involvements
The local Housing Authority participates in the Family Self-Sufficiency Program (FSS). The FSS program is
a voluntary program for Section 8 participants. Additionally, for the past 11 years residents of public
housing have participated in a similar program that combines the Public Housing Authority Sec. 32
Program with an Indiana State program of Individual Development Accounts (IDAs). The Section 8
Program requires that the head of household enter a five-year contract with the PHA during which time
the family will receive supportive services through a case worker with the goal of eventually not needing
public assistance of any type. In return, any rent increases from increased income earnings that the
participant experiences are placed in an interest bearing escrow account which the participant receives
when they complete their contract. This escrow account can be used for a down payment on a home or
educational or medical expenses. In the Public Housing Homeownership Program at the Housing
Authority of South Bend (HASB) (now referred to as Section 32), since it was begun and initially titled
Turnkey III, well over 100 families have moved from public housing to homeownership.
Is the public housing agency designated as troubled under 24 CFR part 902?
Yes
Plan to remove the ‘troubled’ designation
The HASB has appealed its rating of 56 on the PHAS. Should the appeal not be successful, the HASB
would be receptive to any assistance offered. The HASB is preparing for the submission of its unaudited
2014 FASS. The HASB has scheduled its next round of physical inspections and is currently preparing
properties for this inspection. The Board of Commissioners was replaced and a new Board is ready to
assume responsibility for leadership and governance of the HASB.
Consolidated Plan SOUTH BEND 103
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SP-55 Strategic Plan Barriers to Affordable Housing - 91.415, 91.215(h)
Barriers to Affordable Housing
The following public policies could negatively impact affordable housing and residential investment:
Property Tax Rate - Homeowners in South Bend and Mishawaka pay city taxes while those in the County
Remainder do not. To address this problem, South Bend has implemented a residential tax abatement
program.
Design Standards - South Bend and Mishawaka require design improvements such as curbs, sidewalks
and drainage. The areas within the unincorporated county do not require these infrastructure
improvements.
Building Codes and Local Historic Districts - Codes related to construction and development allow no
special provision waivers for the construction of new, or rehab of existing, affordable housing. The lack
of provision waivers for affordable housing could be considered a barrier to the development of
affordable housing.
Local regulations for historic districts require exterior compatibility at the time of renovation or
rehabilitation, possibly imposing costs which could make the development of affordable housing within
those districts more expensive.
Regulatory Barriers in the Rural and Suburban Areas - Roughly sixty percent of the land in the
unincorporated areas of St. Joseph County is zoned agricultural, meaning a home built in the district
must have a minimum of a twenty acre lot. This requirement limits the development of affordable
housing in areas zoned agricultural.
Strategy to Remove or Ameliorate the Barriers to Affordable Housing
Support for the development efforts that improve employment prospects for low/mod income
individuals is ongoing. People returning to the community from prison often need assistance in securing
jobs and affordable housing. The City of South Bend awarded HPRP, 2nd Allocation 2011 ESG funds, and
2013 ESG funds to Dismas House, an organization which provides support and job referral services to ex-
offenders, for the time period of October 2009 - December 2013. The agency did not apply to the City
for 2014 ESG funds.
The Residential Tax Abatement program is available to potential homeowners for consideration when
thinking about homeownership. This allows a phasing in the costs that can lessen the immediate
financial burden and, coupled with the legislative property tax cap, could be critical to new
homeowners.
Consolidated Plan SOUTH BEND 104
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The City of South Bend will continue its Housing Counseling and Homebuyer Education programs.
Although not a financial mechanism, being better educated and understanding the costs and risks of
homeownership can direct individuals where their situation best suits them. Understanding if and when
a home purchase is a viable option is most critical.
In an effort to expand the jurisdiction of the South Bend Human Rights Commission, the Chair of the
Commission and the Executive Director met with the Mishawaka Common Council on October 7,
2013. Additionally, conversations are ongoing with the St. Joseph County Commissioners.
Consolidated Plan SOUTH BEND 105
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SP-60 Homelessness Strategy - 91.415, 91.215(d)
Describe how the jurisdiction's strategic plan goals contribute to:
Reaching out to homeless persons (especially unsheltered persons) and assessing their
individual needs
Street Outreach is currently not a funded activity. However, two CoC-member agencies do reach out to
unsheltered persons. Oaklawn Psychiatric Center provides case management services to the seriously
mentally ill population that are homeless or who have a history of homelessness. Oaklawn is able to
complete outreach and assessment of individuals who are homeless and mentally ill. The Youth Service
Bureau of St. Joseph County has a street outreach team available during the day at area high schools
and during the evening hours at locations across St. Joseph County where young people are known to
congregate. Services include brief assessments, crisis counseling, referral for services, limited case
management and transportation.
Addressing the emergency and transitional housing needs of homeless persons
Emergency Shelter Operations and Rapid Re-Housing are both ranked "High Priority Needs" in the City of
South Bend's HCD Strategic Plan.
The City continues to provide Emergency Solutions Grant funds to the following organizations to
subsidize shelter operation costs:
YWCA of North Central Indiana
Youth Service Bureau of St. Joseph County
The Center for the Homeless
Life Treatment Centers
AIDS Ministries/AIDS Assist
The City continues to provide ESG funds to the following agencies for rapid re-housing of homeless
individuals/families:
YWCA of North Central Indiana
AIDS Ministries/AIDS Assist
United Religious Community
Helping homeless persons (especially chronically homeless individuals and families, families
with children, veterans and their families, and unaccompanied youth) make the transition to
permanent housing and independent living, including shortening the period of time that
individuals and families experience homelessness, facilitating access for homeless individuals
Consolidated Plan SOUTH BEND 106
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and families to affordable housing units, and preventing individuals and families who were
recently homeless from becoming homeless again.
Per St. Joseph County Continuum of Care policies for the use of ESG funds, any client is eligible to
receive assistance up to 12 months within a 3 year period as determined by a certification
process. Assigned case managers are responsible to document client need and ensure that the most
appropriate assistance is received. All CoC agencies utilizing ESG are expected to provide support to
clients for the full 12 months unless circumstances allow the client to need less assistance. The goal is to
stabilize the client and provide for the likelihood of positive housing outcomes after assistance.
Case managers consistently reevaluate the need for assistance during the 12 month period. They meet
regularly with clients to:
determine initial and continued eligibility
develop and implement a housing stability plan
monitor the client’s progress as being assisted by the program.
Help low-income individuals and families avoid becoming homeless, especially extremely
low-income individuals and families who are likely to become homeless after being
discharged from a publicly funded institution or system of care, or who are receiving
assistance from public and private agencies that address housing, health, social services,
employment, education or youth needs
Discharge planning within the community continues to be extremely difficult. While the hospitals and
community mental health centers have coordinated plans with the emergency shelter facilities, they are
still less than ideal for an individual just released from their care. Additionally, county and state
correctional facilities are not coordinating their releases; it is not uncommon to have an individual arrive
at a facility with paperwork ordering them into residence when there is no available bed. With the
support of the Indiana Housing and Community Development Authority, the CoC has been working with
the State Department of Correction and the Department of Child Services to improve the coordination
of discharge policies.
The St. Joseph County CoC developed the following discharge coordination policies for foster care,
health care, and mental health systems of care.
Foster Care: The Indiana Division of Child Services case managers are responsible for creating
individualized plans for each youth being discharged from foster care. They are responsible for case
planning, and reunification conferences with providers including foster parents, birth parents, children
(when age appropriate), and Court Appointed Special Advocates. Youth aging out of foster care receive
independent living services that cover areas such as financial independence, educational needs,
vocational needs, mental health and substance abuse treatment. The Division of Child Services has a
Consolidated Plan SOUTH BEND 107
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written protocol and partners with appropriate community providers to ensure that youth discharged
from foster care are not discharged into the streets.
Health Care: Memorial Hospital and Health Care Systems and St. Joseph Regional Medical Center are the
two major health care centers in the community. Both have written protocols concerning the Discharge
Planning and Process in place. Discharge planning begins at the time of admission. The protocols state
that the social worker/case manager shall provide assistance when identified or requested.
Mental Health: Oaklawn Psychiatric Center has numerous written policies, protocols, and
Memorandums of Understanding involving discharge of homeless or potentially homeless
individuals. When an individual is considered potentially homeless, the protocol instructs the social
worker to contact the Center for the Homeless and/or other shelters to determine whether the
individual is banned, timed-out or needs to go to the grievance board.
Consolidated Plan SOUTH BEND 108
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-65 Lead-based Paint Hazards - 91.415, 91.215(i)
Actions to address LBP hazards and increase access to housing without LBP hazards
To address lead hazard remediation, the Health Department, in partnership with the Housing Authority
of South Bend (HASB), applied for and received a $3 million HUD Lead Hazard Control grant in 2006. The
community provided more than $1 million in matching and in-kind support toward this grant. In 2012,
the Health Department, in partnership with the Housing Authority of South Bend, applied for and
received additional funding in the amount of $2.48 million, with a match/local contributions of
$1,401,863.
The Housing Authority of South Bend maintains a Section 8 Landlord Assistance Program in which any
resident living in a Section 8 unit that has been identified as lead contaminated and where the owner
refuses to bring the home into a lead safe status, has an absolute preference on the Public Housing
waiting list for the first available unit. Additionally, any pre-1978 Section 8 home that is identified during
the Housing Authority’s Annual Housing Quality Standards Inspection as having chipping, peeling or
cracking paint must receive and pass a clearance test by a State certified inspection.
How are the actions listed above related to the extent of lead poisoning and hazards?
In 2012, the HASB, in partnership with the County Health Department and with financial support from
the City, County Commissioners, County Health Department, the Community Foundation of St. Joseph
County, South Bend Medical Foundation, and Residence Inn by Marriot received a Lead Hazard Control
Grant for the second time. This grant brings $3.48 Million in resources to the County to combat the
relentless poisoning of children by lead hazards. As part of these resources, $180,000 is being used to
focus on a physical and holistic approach to several additional home toxins and safety hazards in what
HUD refers to as a Health Homes initiative. Over 140 homes are expected to have work done with 56
currently completed via the grant. Outreach and training have created more jobs by increasing the
capacity of the certified contractors in the County by over three times the current level. Over 120
personnel including 75 that qualify as Section 3 eligible (low income) have received training and
certifications in Lead Hazard Abatement. The HASB partnered with local institutions and companies to
access funds from other programs in order to assist families by completing much needed repairs in
addition to the Lead Hazard Work. The HASB will continue to accept applications and complete
assessments in order to identify properties for the next LHCG Grant application.
The HASB maintains a Section 8 Landlord Assistance Program whereby any resident living in a Section 8
unit that is lead contaminated and the owner refuses to bring the home into a lead safe status, is given
preference on the Public Housing waiting list for the first available unit. With 2,124 Section 8 vouchers
and a Housing Authority property 99.5% occupancy rate, these policies are seen to significantly increase
the number of affordable housing units that are lead-safe in the City. The HASB also maintains a listing
of previous lead safe addresses at http://www.hasbonline.com/docs/safe.pdf.
Consolidated Plan SOUTH BEND 109
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How are the actions listed above integrated into housing policies and procedures?
All homeownership rehab programs receiving federal dollars work collaboratively with the St. Joseph
County Health Department and the Housing Authority of South Bend.
Consolidated Plan SOUTH BEND 110
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SP-70 Anti-Poverty Strategy - 91.415, 91.215(j)
Jurisdiction Goals, Programs and Policies for reducing the number of Poverty-Level Families
Examples of the variety of mechanisms the community has employed to address poverty included the
Center for Homeless STAR (Skilled, Trained, Able, and Ready) program which incorporated job readiness,
externships, job retention, and job search assistance. Another program that assists poverty-level
families is Bridges Out of Poverty. Bridges Out of Poverty is a local program based on a nationally
recognized model that serves to educate both the low-income individual and the employer community
on how to work together to address issues that prevent people in poverty from becoming employed.
In 2014, the City of South Bend, in conjunction with the City of Mishawaka, the St. Joseph County
Chamber of Commerce, IVY Tech Community College, WorkOne Development, and a number of local
businesses launched a new workforce training initiative, "Supporting Manufacturers and Regional
Talent" (SMART). SMART assists residents in obtaining the necessary skills to participate in a wider range
of employment opportunities. Participants are trained through IVY Tech as skilled workers in
manufacturing. Smart also merges various local employer advisory boards into one council to provide a
unified local effort in job creation. The program helps develop a skilled workforce to meet the needs of
local manufacturers.
How are the Jurisdiction poverty reducing goals, programs, and policies coordinated with this
affordable housing plan
While 40% of federal funds will be directed to other sites across the City, it is anticipated that 32% of the
City of South Bend 2015 HCD Plan-related funds will be allocated to census tracts 6 and 19. These
neighborhoods show relatively low incomes and high concentrations of poverty, high rates of residential
vacancy and abandonment, and a high incidence of sub-prime loans. The target areas, adjacent to
downtown, are also areas that have begun to see some redevelopment activity, have greater market
potential, and have been areas of focus by local nonprofit housing organizations.
Consolidated Plan SOUTH BEND 111
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SP-80 Monitoring - 91.230
Describe the standards and procedures that the jurisdiction will use to monitor activities
carried out in furtherance of the plan and will use to ensure long-term compliance with
requirements of the programs involved, including minority business outreach and the
comprehensive planning requirements
To ensure compliance with applicable requirements, all CDBG, HOME and ESG subrecipients are
desktop-monitored multiple times throughout the year. This monitoring occurs with each claim for
reimbursement that is submitted to the Department of Community Investment. All subrecipients also
receive feedback and/or guidance via email and phone communication, and in-person meetings with DCI
staff throughout the year. In addition, Community Investment staff conduct at least eight (8) on-site
monitoring visits of sub-grantees every year to review their internal systems. As part of the monitoring
visit, DCI staff meet with appropriate members of the sub-grantee staff to review procedures, client
files, financial records and other pertinent data. In addition, any new sub-recipient is monitored in
itsfirst year of funding.
Consolidated Plan SOUTH BEND 112
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Expected Resources
AP-15 Expected Resources - 91.420(b), 91.220(c)(1,2)
Introduction
As an entitlement community, the City of South Bend annually receives approximately $2,300,000 in
Community Development Block Grant (CDBG) funds, approximately $700,000 in HOME funding and
approximately $190,000 in Emergency Solutions Grant (ESG) funds. In addition, anticipated CDBG and
HOME program income is incorporated into annual budgets.
Consolidated Plan SOUTH BEND 113
OMB Control No: 2506-0117 (exp. 07/31/2015)
Anticipated Resources
Program Source
of
Funds
Uses of Funds Expected Amount Available Year 1 Expected
Amount
Available
Reminder
of
ConPlan
$
Narrative Description
Annual
Allocation:
$
Program
Income:
$
Prior Year
Resources:
$
Total:
$
CDBG public -
federal
Acquisition
Admin and
Planning
Economic
Development
Housing
Public
Improvements
Public Services
2,344,084 18,000 0 2,362,084 0
All activities receiving South Bend's CDBG
funding are generally targeted to specific
and complementary geographies and
activities. In 2015 South Bend will continue
to target the Near Northwest and Near
West Side Neighborhoods through
partnerships with two CDCs, Habitat for
Humanity, and Rebuilding Together. These
areas show relatively low incomes and high
concentrations of poverty, high rates of
residential vacancy and abandonment, and
a high incidence of sub-prime loans. The
target areas, adjacent to downtown, are
also neighborhoods that have begun to see
some redevelopment activity and have
greater market potential. Programs that
assist existing owner-occupants with repairs
and promote first time homebuyers will
help support housing throughout the City of
South Bend.
Consolidated Plan SOUTH BEND 114
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Program Source
of
Funds
Uses of Funds Expected Amount Available Year 1 Expected
Amount
Available
Reminder
of
ConPlan
$
Narrative Description
Annual
Allocation:
$
Program
Income:
$
Prior Year
Resources:
$
Total:
$
HOME public -
federal
Acquisition
Homebuyer
assistance
Homeowner
rehab
Multifamily
rental new
construction
Multifamily
rental rehab
New
construction
for ownership
TBRA 683,011 0 303,750 986,761 0
2015 HOME funding will support housing
programs such as
acquisition/rehabilitation/resale, new
construction development subsidies and
tenant-based rental assistance throughout
St. Joseph County in 2014. The HOME
program will exceed the 25 percent match
requirements through private funding and
project sponsors.
Consolidated Plan SOUTH BEND 115
OMB Control No: 2506-0117 (exp. 07/31/2015)
Program Source
of
Funds
Uses of Funds Expected Amount Available Year 1 Expected
Amount
Available
Reminder
of
ConPlan
$
Narrative Description
Annual
Allocation:
$
Program
Income:
$
Prior Year
Resources:
$
Total:
$
ESG public -
federal
Conversion and
rehab for
transitional
housing
Financial
Assistance
Overnight
shelter
Rapid re-
housing (rental
assistance)
Rental
Assistance
Services
Transitional
housing 212,235 0 0 212,235 0
Based on agreement with the St. Joseph
County Continuum of Care, 2015 ESG
funding will be allocated as follows: up to
7.5% for program administration; no less
than 32.5% for rapid re-housing; and, no
more than 60% of funds will be spent on
operations and essential services and for
emergency shelters.
Table 54 - Expected Resources – Priority Table
Consolidated Plan SOUTH BEND 116
OMB Control No: 2506-0117 (exp. 07/31/2015)
Explain how federal funds will leverage those additional resources (private, state and local
funds), including a description of how matching requirements will be satisfied
CDBG funds will leverage private investment by Community Homebuyers Corporation for forgivable 2nd
mortgages to low-mod income households in South Bend.
CDBG and HOME funds will leverage private donations to the Near Northwest Neighborhood for
community revitalization efforts.
Rebuilding Together will leverage CDBG funds with discounted materials and services, volunteer labor
and private donations.
Habitat for Humanity will leverage CDBG and HOME dollars with donated materials and services, as well
as volunteer labor and private donations.
Oaklawn Psychiatric Center will leverage HOME funding for rental assistance with support services
provided by center staff.
The required 100% match for ESG is projected to be in the form of in-kind/volunteer labor, cash and
materials donations and United Way funding.
Consolidated Plan SOUTH BEND 117
OMB Control No: 2506-0117 (exp. 07/31/2015)
If appropriate, describe publically owned land or property located within the jurisdiction that
may be used to address the needs identified in the plan
Not applicable.
Discussion
Consolidated Plan SOUTH BEND 118
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Annual Goals and Objectives
AP-20 Annual Goals and Objectives - 91.420, 91.220(c)(3)&(e)
Goals Summary Information
Sort
Order
Goal Name Start
Year
End
Year
Category Geographic Area Needs Addressed Funding Goal Outcome Indicator
1 Operating Costs of
Homeless/AIDS
Patients Programs
2015 2019 Homeless City of South Bend Shelter Operations ESG:
$60,769
Homeless Person
Overnight Shelter: 2000
Persons Assisted
HIV/AIDS Housing
Operations: 25 Household
Housing Unit
2 Clearance and
Demolition
2015 2016 Non-Housing
Community
Development
City of South Bend Public
Improvements -
Demolition
CDBG:
$300,000
Buildings Demolished: 30
Buildings
3 Public Services
(General)
2015 2016 Non-Housing
Community
Development
City of South Bend Public Services CDBG:
$90,000
Public service activities
other than Low/Moderate
Income Housing Benefit:
45000 Persons Assisted
4 Youth Services 2015 2016 Homeless City of South Bend Shelter Operations ESG:
$25,000
Homeless Person
Overnight Shelter: 30
Persons Assisted
Consolidated Plan SOUTH BEND 119
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Sort
Order
Goal Name Start
Year
End
Year
Category Geographic Area Needs Addressed Funding Goal Outcome Indicator
5 Battered and Abused
Spouses
2015 2016 Homeless City of South Bend Tenant-Based
Rental Assistance
Shelter Operations
Rapid Re-Housing
ESG:
$76,000
Tenant-based rental
assistance / Rapid
Rehousing: 10
Households Assisted
Homeless Person
Overnight Shelter: 790
Persons Assisted
6 Construction of
Housing
2015 2016 Affordable
Housing
Lincoln Park
Neighborhood
New Construction HOME:
$100,000
Homeowner Housing
Added: 1 Household
Housing Unit
7 Direct
Homeownership
Assistance
2015 2016 Affordable
Housing
Northeast
Neighborhood
City of South Bend
Homeownership
Assistance
CDBG:
$200,000
HOME:
$303,750
Direct Financial
Assistance to
Homebuyers: 18
Households Assisted
8 Rehab; Single-Unit
Residential
2015 2016 Affordable
Housing
River Park
Neighborhood
Census Tract 6
Census Tract 19
Acquisition /
Rehab
CDBG:
$521,723
HOME:
$352,395
Homeowner Housing
Added: 6 Household
Housing Unit
9 Rehabilitation
Administration
2015 2016 Affordable
Housing
City of South Bend Acquisition /
Rehab
CDBG:
$85,000
Other: 2 Other
10 Administration 2015 2016 Administration City of Mishawaka
St. Joseph County -
Not South Bend or
Mishawaka
City of South Bend
Administration CDBG:
$410,500
HOME:
$45,000
ESG:
$15,917
Other: 1 Other
Consolidated Plan SOUTH BEND 120
OMB Control No: 2506-0117 (exp. 07/31/2015)
Sort
Order
Goal Name Start
Year
End
Year
Category Geographic Area Needs Addressed Funding Goal Outcome Indicator
11 Technical Assistance 2015 2016 Non-Housing
Community
Development
City of South Bend Technical
Assistance
CDBG:
$15,000
Other: 2 Other
12 Fair Housing 2015 2016 Non-Housing
Community
Development
City of South Bend Fair Housing CDBG:
$10,000
Other: 200 Other
13 Housing Counseling 2015 2016 Affordable
Housing
City of Mishawaka
St. Joseph County -
Not South Bend or
Mishawaka
City of South Bend
Housing
Counseling
CDBG:
$74,787
Other: 200 Other
14 Historic Preservation
Administration
2015 2016 Administration City of South Bend Historic
Preservation
Administration
CDBG:
$5,000
Other: 1 Other
15 Owner-Occupied
Rehab
2015 2016 Affordable
Housing
City of South Bend
Olive Street -
Lincolnway West
Neighborhood
Owner-Occupied
Rehabilitation
CDBG:
$463,074
Homeowner Housing
Rehabilitated: 50
Household Housing Unit
16 Section 108 Loan
Repayment
2015 2015 Non-Housing
Community
Development
City of South Bend Section 108 Loan
Payment
CDBG:
$187,000
Other: 1 Other
17 Rapid Re-Housing 2015 2016 Homeless City of Mishawaka
St. Joseph County -
Not South Bend or
Mishawaka
City of South Bend
Rapid Re-Housing ESG:
$85,000
Tenant-based rental
assistance / Rapid
Rehousing: 70
Households Assisted
Consolidated Plan SOUTH BEND 121
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Sort
Order
Goal Name Start
Year
End
Year
Category Geographic Area Needs Addressed Funding Goal Outcome Indicator
18 Tenant-Based Rental
Assistance
2015 2015 Non-Homeless
Special Needs
City of Mishawaka
St. Joseph County -
Not South Bend or
Mishawaka
City of South Bend
Tenant-Based
Rental Assistance
HOME:
$35,000
Tenant-based rental
assistance / Rapid
Rehousing: 8 Households
Assisted
Table 55 – Goals Summary
Goal Descriptions
1 Goal Name Operating Costs of Homeless/AIDS Patients Programs
Goal
Description
CENTER FOR THE HOMELESS: Operating costs for facility that houses homeless individuals and families. LIFE TREATMENT
CENTER: Operating costs for the facility that houses substance-dependent homeless individuals. AIDS ASSIST/AIDS
MINISTRIES: Operating costs for the facility that houses individuals with AIDS.
2 Goal Name Clearance and Demolition
Goal
Description
Demolition and Clearance of substandard structures in CT 6 and 19 for the purpose of remediating blight in low-income
neighborhoods.
3 Goal Name Public Services (General)
Goal
Description
The South Bend Police Department will provide a non-threatening presence in targeted low-mod income South Bend
neighborhoods via bike/foot patrols.
4 Goal Name Youth Services
Goal
Description
Youth Service Bureau will provide emergency shelter and support services for homeless, unaccompanied youth.
Consolidated Plan SOUTH BEND 122
OMB Control No: 2506-0117 (exp. 07/31/2015)
5 Goal Name Battered and Abused Spouses
Goal
Description
Operating costs for the YWCA's facility that houses battered spouses and children; rapid re-housing and TBRA for DV
victims transitioning out of homelessness.
6 Goal Name Construction of Housing
Goal
Description
SOUTH BEND HERITAGE FOUNDATION: Construction subsidy for new home construction in the Lincoln Park
neighborhood.
7 Goal Name Direct Homeownership Assistance
Goal
Description
Community Homebuyers Corporation will provide closing cost/down payment assistance in the form of forgivable 2nd
mortgages to low-mod income first-time homebuyers in the City of South Bend. The Northeast Neighborhood
Revitalization Organization will provide downpayment assistance in the form of 2nd mortgages to low-mod income
homebuyers in the Triangle neighborhood development area.
8 Goal Name Rehab; Single-Unit Residential
Goal
Description
The Near Northwest Neighborhood, South Bend Heritage Foundation and Habitat for Humanity will acquire and rehab
vacant/abandoned properties in the City of South Bend for resale to income-eligible buyers.
9 Goal Name Rehabilitation Administration
Goal
Description
NEAR NORTHWEST NEIGHBORHOOD: Planning activities in support of affordable housing and neighborhood development
projects. SOUTH BEND HERITAGE FOUNDATION: Planning activities and homebuyer counseling in support of affordable
housing and neighborhood development projects.
10 Goal Name Administration
Goal
Description
The Department of Community Investment, Near Northwest Neighborhood and South Bend Heritage Foundation will
administer and/or manage programs and activities funded through HUD grants.
11 Goal Name Technical Assistance
Goal
Description
The Neighborhood Resources Corp. will assist neighborhood associations and their members with leadership training and
capacity building.
Consolidated Plan SOUTH BEND 123
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12 Goal Name Fair Housing
Goal
Description
Support for South Bend Human Rights Commission's Fair Housing investigation/education efforts.
13 Goal Name Housing Counseling
Goal
Description
Homebuyer pre-purchase, foreclosure and credit counseling to low-mod income residents in St. Joseph County.
14 Goal Name Historic Preservation Administration
Goal
Description
Subsidize the St. Joseph County Historic Preservation Commission for assistance with environmental reviews of federally-
funded projects.
15 Goal Name Owner-Occupied Rehab
Goal
Description
NEAR NORTHWEST NEIGHBORHOOD: Major repairs to low-mod income owner-occupied homes throughout the City of
South Bend. REBUILDING TOGETHER: Repairs to low-mod income owner-occupied homes in the Olive Street-Lincolnway
West neighborhood. REAL SERVICES: Repairs to senior citizen, low-mod income owner-occupied homes in the 2015
CDBG target areas.
16 Goal Name Section 108 Loan Repayment
Goal
Description
Pay balance of Section 108 loan.
17 Goal Name Rapid Re-Housing
Goal
Description
Provide rental and utility assistance to households transitioning out of homelessness.
18 Goal Name Tenant-Based Rental Assistance
Goal
Description
Provide rental assistance for up to 8 severely mentally ill households.
Consolidated Plan SOUTH BEND 124
OMB Control No: 2506-0117 (exp. 07/31/2015)
AP-35 Projects - 91.420, 91.220(d)
Introduction
Given the significant vacant property issues and the desire to more substantially effect physical change
in neighborhoods, the City of South Bend made a policy decision to utilize federal resources for physical
improvements/neighborhood revitalization activities.
In addition, the City will use federal funds for housing counseling, fair housing, historic preservation
environmental reviews, neighborhood foot patrols, technical assistance and shelter/services for the
homeless and severely mentally ill.
# Project Name
1 DCI CDBG Administration
2 SBHF Administration
3 CHC Forgivable 2nd Mortgage
4 NNN Administration
5 SB Human Rights Comm Affirmative Fair Housing
6 DCI Housing Counseling Activity Delivery
7 NNN Activity Delivery
8 NNN Neighborhood Revitalization
9 SBHF Acquisition Rehab
10 REAL Services Caregiver Connection
11 South Bend Home Improvement Project
12 Rebuilding Together
13 Code Enforcement V&A Demolitions
14 SBPD Neighborhood Foot Patrols
15 HPC Administration
16 Habitat for Humanity Rehabilitation
17 NRC Technical Assistance
18 SBHF Activity Delivery
19 Section 108 Loan Repayment
20 HESG15 South Bend
21 DCI Consortium Administration
22 Oaklawn - TBRA
23 SBHF New Construction - SBMH
24 NNRO - Triangle Mortgage Subsidies
25 NNN - Neighborhood Revitalization
Table 56 – Project Information
Describe the reasons for allocation priorities and any obstacles to addressing underserved
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needs
Specific to CDBG funding, all of the activities are meant to coordinate with the geographic priorities of
the Vacant and Abandoned Housing Initiative and the West Side Corridors Plan. A preference was given
to activities targeting the Lincolnway West Corridor and neighborhood areas to the north and south of
Lincoln Way West in an attempt to be complementary and work together. The City of South Bend has
targeted the specific portions of the Near Northwest (Census Tract 6) and Near West Side (Census Tract
19) for programs that support existing owner occupants, promote first time homebuyers and allow for
the demolition of vacant and abandoned structures in these areas. These neighborhoods show
relatively low incomes and high concentrations of poverty, high rates of residential vacancy and
abandonment, and a high incidence of sub-prime loans. The target areas, adjacent to downtown, are
also areas that have begun to see some redevelopment activity by local non-profit housing organizations
and private developers.
The Olive Street-Lincolnway West area, located within the Lincolnway West corridor and considered a
key node, was chosen for the Rebuilding Together Program. Additionally, preference was given to the
area bounded by Sample, Miami, Ewing and Michigan Streets. This geography is the target area for a
planning initiative launched by the City in partnership with the new 466 Works organization.
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AP-38 Project Summary
Project Summary Information
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OMB Control No: 2506-0117 (exp. 07/31/2015)
1 Project Name DCI CDBG Administration
Target Area City of South Bend
Goals Supported Administration
Needs Addressed Administration
Funding CDBG: $318,000
Description Staff costs for administering the CDBG program.
Target Date 12/31/2015
Estimate the number and
type of families that will
benefit from the
proposed activities
Not applicable.
Location Description
Planned Activities
2 Project Name SBHF Administration
Target Area Census Tract 19
Goals Supported Administration
Needs Addressed Administration
Funding CDBG: $42,500
Description Support for the South Bend Heritage Foundation's administration of
CDBG activities.
Target Date 12/31/2015
Estimate the number and
type of families that will
benefit from the
proposed activities
Not applicable.
Location Description South Bend Heritage Foundation offices at 803 Lincolnway West,
South Bend, 46616.
Planned Activities
3 Project Name CHC Forgivable 2nd Mortgage
Target Area City of South Bend
Goals Supported Direct Homeownership Assistance
Needs Addressed Homeownership Assistance
Funding CDBG: $200,000
Consolidated Plan SOUTH BEND 128
OMB Control No: 2506-0117 (exp. 07/31/2015)
Description Assist low and moderate income homebuyers by providing
forgivable second mortgages at 20% of purchase price.
Target Date 12/31/2016
Estimate the number and
type of families that will
benefit from the
proposed activities
Up to 12 low-mod income households
Location Description Within the city limits of South Bend.
Planned Activities
4 Project Name NNN Administration
Target Area Census Tract 6
Goals Supported Administration
Needs Addressed Administration
Funding CDBG: $50,000
Description Support for Near Northwest Neighborhood, Inc.'s administration of
CDBG activities
Target Date 12/31/2015
Estimate the number and
type of families that will
benefit from the
proposed activities
Not applicable.
Location Description The Near Northwest Neighborhood's offices at 1007 Portage Ave.,
South Bend, 46616.
Planned Activities
5 Project Name SB Human Rights Comm Affirmative Fair Housing
Target Area City of South Bend
Goals Supported Fair Housing
Needs Addressed Fair Housing
Funding CDBG: $10,000
Description Investigate complaints of housing discrimination filed with the SB
Human Rights Commission. Provide promotional and educational
workshops and PSAs informing citizens of equal opportunity and fair
housing law and the complaint/grievance process.
Target Date 12/31/2015
Consolidated Plan SOUTH BEND 129
OMB Control No: 2506-0117 (exp. 07/31/2015)
Estimate the number and
type of families that will
benefit from the
proposed activities
Approximately 200 households will benefit from this activity.
Location Description Within the city limits of South Bend.
Planned Activities Investigate complains of housing discrimination in South Bend.
6 Project Name DCI Housing Counseling Activity Delivery
Target Area City of Mishawaka
St. Joseph County - Not South Bend or Mishawaka
City of South Bend
Goals Supported Housing Counseling
Needs Addressed Housing Counseling
Funding CDBG: $74,787
Description Provide homeownership education, inspection & processing
activities for CDBG funded housing programs.
Target Date 12/31/2015
Estimate the number and
type of families that will
benefit from the
proposed activities
Approximately 150 households will receive housing counseling and
related services.
Location Description Within the boundaries of St. Joseph County, but primarily in South
Bend.
Planned Activities Homeownership education, housing inspection and application
processing.
7 Project Name NNN Activity Delivery
Target Area Census Tract 6
Goals Supported Rehabilitation Administration
Needs Addressed Acquisition / Rehab
Funding CDBG: $40,000
Description Increase the NNN's capacity to develop housing for low and
moderate income families in South Bend's Near Northwest
Neighborhood.
Target Date 12/31/2016
Consolidated Plan SOUTH BEND 130
OMB Control No: 2506-0117 (exp. 07/31/2015)
Estimate the number and
type of families that will
benefit from the
proposed activities
Not applicable.
Location Description Within Census Tract 6 in the Near Northwest Neighborhood
of South Bend.
Planned Activities
8 Project Name NNN Neighborhood Revitalization
Target Area Census Tract 6
Goals Supported Rehab; Single-Unit Residential
Needs Addressed Acquisition / Rehab
Funding CDBG: $200,000
Description Acquire and rehabilitate up one substandard property to be sold to
an income eligible buyer.
Target Date 12/31/2016
Estimate the number and
type of families that will
benefit from the
proposed activities
One low-mod income family will have access to affordable housing.
Location Description Within Census Tract 6 of the Near Northwest Neighborhood in
South Bend.
Planned Activities Acquisition, rehab and resale.
9 Project Name SBHF Acquisition Rehab
Target Area Census Tract 19
Goals Supported Rehab; Single-Unit Residential
Needs Addressed Acquisition / Rehab
Funding CDBG: $206,723
Description Acquire and rehabilitate one substandard property to be sold to an
income eligible buyer.
Target Date 12/31/2016
Estimate the number and
type of families that will
benefit from the
proposed activities
One low-mod household will have access to affordable housing.
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OMB Control No: 2506-0117 (exp. 07/31/2015)
Location Description Within Census Tract 19 in the Near West Side neighborhood in
South Bend.
Planned Activities Acquisition, rehab and resale.
10 Project Name REAL Services Caregiver Connection
Target Area City of South Bend
Goals Supported Owner-Occupied Rehab
Needs Addressed Owner-Occupied Rehabilitation
Funding CDBG: $100,000
Description Modify owner-occupied homes of low-mod income elderly
residents.
Target Date 12/31/2016
Estimate the number and
type of families that will
benefit from the
proposed activities
Up to 15 low-mod income elderly homeowners will receive essential
home repairs.
Location Description Within the city limits of South Bend.
Planned Activities
11 Project Name South Bend Home Improvement Project
Target Area City of South Bend
Goals Supported Owner-Occupied Rehab
Needs Addressed Owner-Occupied Rehabilitation
Funding CDBG: $200,000
Description Provide essential home repairs for low-moderate income
homeowners.
Target Date 12/31/2016
Estimate the number and
type of families that will
benefit from the
proposed activities
Up to 20 low-mod income homeowners will receive essential home
repairs.
Location Description Within the city limits of South Bend.
Planned Activities Essential home repairs.
12 Project Name Rebuilding Together
Target Area Olive Street - Lincolnway West Neighborhood
Consolidated Plan SOUTH BEND 132
OMB Control No: 2506-0117 (exp. 07/31/2015)
Goals Supported Owner-Occupied Rehab
Needs Addressed Owner-Occupied Rehabilitation
Funding CDBG: $163,074
Description Low and moderate income homeowners in South Bend's Olive
Street - Lincolnway West area will be assisted with minor home
repairs.
Target Date 12/31/2015
Estimate the number and
type of families that will
benefit from the
proposed activities
At least 15 low-mod income homeowners will receive essential
home repairs.
Location Description The Olive Street - Lincolnway West neighborhood of South Bend.
Planned Activities Minor home repairs.
13 Project Name Code Enforcement V&A Demolitions
Target Area Census Tract 6
Census Tract 19
Goals Supported Clearance and Demolition
Needs Addressed Public Improvements - Demolition
Funding CDBG: $300,000
Description Demolition and clearance of blighted vacant and/or abandoned
structures in low and moderate income neighborhoods in South
Bend.
Target Date 12/31/2016
Estimate the number and
type of families that will
benefit from the
proposed activities
At least 15 vacant and abandoned houses will be demolished in low-
mod income neighborhoods.
Location Description Primarily census tracts 6, 19 and 20 in South Bend.
Planned Activities
14 Project Name SBPD Neighborhood Foot Patrols
Target Area City of South Bend
Goals Supported Public Services (General)
Needs Addressed Public Services
Consolidated Plan SOUTH BEND 133
OMB Control No: 2506-0117 (exp. 07/31/2015)
Funding CDBG: $90,000
Description The South Bend Police Department will provide overtime foot
patrols within the Neighborhood Revitalization Area and other
designated low and moderate income neighborhoods.
Target Date 12/31/2015
Estimate the number and
type of families that will
benefit from the
proposed activities
Approximately 44,300 residents of low-mod neighborhoods.
Location Description Low-mod income neighborhoods in South Bend.
Planned Activities Foot patrols to increase citizen contact with SBPD.
15 Project Name HPC Administration
Target Area City of South Bend
Goals Supported Historic Preservation Administration
Needs Addressed Historic Preservation Administration
Funding CDBG: $5,000
Description Support administration of Section 106 requirements.
Target Date 12/31/2015
Estimate the number and
type of families that will
benefit from the
proposed activities
Not applicable.
Location Description Within the boundaries of St. Joseph County, but primarily South
Bend.
Planned Activities Administration of Section 106 requirements.
16 Project Name Habitat for Humanity Rehabilitation
Target Area River Park Neighborhood
Goals Supported Rehab; Single-Unit Residential
Needs Addressed Acquisition / Rehab
Funding CDBG: $115,000
Description Acquisition/rehabilitation of one home for resale to low-mod
income homebuyer.
Target Date 12/31/2016
Consolidated Plan SOUTH BEND 134
OMB Control No: 2506-0117 (exp. 07/31/2015)
Estimate the number and
type of families that will
benefit from the
proposed activities
One vacant/abandoned home will be acquired/rehabbed for resale
to a low-mod income household.
Location Description Within the Lincoln Park neighborhood of South Bend.
Planned Activities Acquisition, rehab and resale.
17 Project Name NRC Technical Assistance
Target Area City of South Bend
Goals Supported Technical Assistance
Needs Addressed Technical Assistance
Funding CDBG: $15,000
Description Technical assistance to neighborhood associations in low-mod
income neighborhoods.
Target Date 12/31/2015
Estimate the number and
type of families that will
benefit from the
proposed activities
Not applicable.
Location Description Within low-mod neighborhoods in South Bend.
Planned Activities Technical assistance to individuals/associations representing low-
mod neighborhoods.
18 Project Name SBHF Activity Delivery
Target Area Census Tract 19
Goals Supported Rehabilitation Administration
Needs Addressed Acquisition / Rehab
Funding CDBG: $45,000
Description Support costs of administering housing rehab programs.
Target Date 12/31/2016
Estimate the number and
type of families that will
benefit from the
proposed activities
Not applicable.
Location Description Within census tract 19 in the Near West Side neighborhood of South
Bend.
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OMB Control No: 2506-0117 (exp. 07/31/2015)
Planned Activities Administer housing rehab programs.
19 Project Name Section 108 Loan Repayment
Target Area City of South Bend
Goals Supported Section 108 Loan Repayment
Needs Addressed Section 108 Loan Payment
Funding CDBG: $187,000
Description Pay balance of Section 108 loan.
Target Date 12/31/2015
Estimate the number and
type of families that will
benefit from the
proposed activities
Not applicable.
Location Description Not applicable.
Planned Activities Pay balance of Section 108 loan.
20 Project Name HESG15 South Bend
Target Area City of Mishawaka
St. Joseph County - Not South Bend or Mishawaka
City of South Bend
Goals Supported Operating Costs of Homeless/AIDS Patients Programs
Youth Services
Battered and Abused Spouses
Rapid Re-Housing
Tenant-Based Rental Assistance
Needs Addressed Rapid Re-Housing
Funding ESG: $212,235
Description 2015 ESG funds will support the operation of homeless shelters and
implement rapid re-housing strategies.
Target Date
Estimate the number and
type of families that will
benefit from the
proposed activities
Approximately 1,000 residents of shelters and approximately 70
households transitioning out of homelessness.
Location Description Within the boundaries of St. Joseph County, but primarily South
Bend.
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Planned Activities Rent and utility assistance.
21 Project Name DCI Consortium Administration
Target Area City of Mishawaka
St. Joseph County - Not South Bend or Mishawaka
City of South Bend
Goals Supported Administration
Needs Addressed Administration
Funding HOME: $45,000
Description Administrative support to the St. Joseph County Housing
Consortium.
Target Date 12/31/2015
Estimate the number and
type of families that will
benefit from the
proposed activities
Not applicable.
Location Description 227 W. Jefferson Blvd., South Bend, 46601
Planned Activities HOME program administration.
22 Project Name Oaklawn - TBRA
Target Area City of Mishawaka
St. Joseph County - Not South Bend or Mishawaka
City of South Bend
Goals Supported Tenant-Based Rental Assistance
Needs Addressed Tenant-Based Rental Assistance
Funding HOME: $35,000
Description Rental subsidies for at least 8 severely mentally ill households.
Target Date
Estimate the number and
type of families that will
benefit from the
proposed activities
At least 8 extremely mentally ill households.
Location Description Within the boundaries of St. Joseph County, but primarily South
Bend.
Planned Activities Rental assistance.
Project Name SBHF New Construction - SBMH
Consolidated Plan SOUTH BEND 137
OMB Control No: 2506-0117 (exp. 07/31/2015)
23 Target Area Lincoln Park Neighborhood
Goals Supported Construction of Housing
Needs Addressed New Construction
Funding HOME: $100,000
Description South Bend Heritage Foundation will build a new construction home
in the Lincoln Park neighborhood as part of the South Bend Mutual
Homes project.
Target Date 12/31/2016
Estimate the number and
type of families that will
benefit from the
proposed activities
One low-mod income homebuyer.
Location Description Within the Lincoln Park neighborhood in South Bend.
Planned Activities One new construction home will be built as part of the South Bend
Mutual Homes project.
24 Project Name NNRO - Triangle Mortgage Subsidies
Target Area Northeast Neighborhood
Goals Supported Direct Homeownership Assistance
Needs Addressed Homeownership Assistance
Funding HOME: $303,750
Description A homebuyer subsidy in the form of a 2nd forgivable mortgage will
be provided to eligible low-mod homebuyers in the Triangle
development area.
Target Date 12/31/2016
Estimate the number and
type of families that will
benefit from the
proposed activities
Six low-mod income homebuyers.
Location Description The Triangle development area (CT 10) in South Bend.
Planned Activities Direct homebuyer assistance in the form of a 2nd forgivable
mortgage.
25 Project Name NNN - Neighborhood Revitalization
Target Area Census Tract 6
Goals Supported Rehab; Single-Unit Residential
Consolidated Plan SOUTH BEND 138
OMB Control No: 2506-0117 (exp. 07/31/2015)
Needs Addressed Acquisition / Rehab
Funding HOME: $352,395
Description The Near Northwest Neighborhood, Inc. will acquire vacant homes
in CT 6, rehab and sell them to income-eligible buyers.
Target Date 12/31/2016
Estimate the number and
type of families that will
benefit from the
proposed activities
Two low-mod income homebuyers.
Location Description With the Near Northwest Neighborhood (CT 6 only) in South Bend.
Planned Activities Two vacant homes will be acquired, rehabbed and sold to income-
eligible buyers.
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AP-50 Geographic Distribution - 91.420, 91.220(f)
Description of the geographic areas of the entitlement (including areas of low-income and
minority concentration) where assistance will be directed
While 44% of federal funds will be directed to other sites across the City, it is anticipated that 36% of the
City of South Bend 2015 HCD Plan-related funds will be allocated to census tracts 6 and 19. These
neighborhoods show relatively low incomes and high concentrations of poverty, high rates of residential
vacancy and abandonment, and a high incidence of sub-prime loans. The target areas, adjacent to
downtown, are also areas that have begun to see some redevelopment activity, have greater market
potential, and have been areas of focus by local nonprofit housing organizations.
Geographic Distribution
Target Area Percentage of Funds
Northeast Neighborhood 9
City of Mishawaka 0
St. Joseph County - Not South Bend or Mishawaka 0
City of South Bend 44
Census Tract 6 23
Census Tract 19 13
Table 57 - Geographic Distribution
Rationale for the priorities for allocating investments geographically
Based on data received from HUD for the NSP1 and NSP3 programs, the areas of greatest need in the
City of South Bend were identified as Census Tracts 6, 4, 21, and 5, four of which are located in the Near
Northwest and Near West Neighborhoods. The City also identified Census Tracts 19 and 20 as areas of
greatest need based on the data and foreseen liklihood of foreclosures. Census Tract 19 is ranked as the
10th area most in need; however, it is believed that its proximity to four of the top five census tracts
makes it a critical area to help stabilize. For 2014 the City of South Bend will be focusing funds for
housing activities in Census Tracts 6 and 19.
Additionally, the geographic allocation of resources was based upon:
History of the City's focus/redevelopment and support of the Community Development
Corporations (CDCs) complementing previous investment
Areas of need per NSP determinations
Location of most vacant and abandoned structures
High foreclosure rate (NSP)
Age of housing stock
High cost loans (NSP)
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Completing the 5-year plan as outlined in the 2010-2014 Housing and Community Development
(HCD) Plan
Discussion
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Affordable Housing
AP-55 Affordable Housing - 91.420, 91.220(g)
Introduction
For the City of South Bend, priority areas include housing needs for elderly homeowners, frail elderly
homeowners with medical issues, persons with mental disabilities, persons with physical disabilities, and
persons with HIV/AIDS. It is expected that approximately 100 people will be assisted in 2015.
One Year Goals for the Number of Households to be Supported
Homeless 50
Non-Homeless 15
Special-Needs 10
Total 75
Table 58 - One Year Goals for Affordable Housing by Support Requirement
One Year Goals for the Number of Households Supported Through
Rental Assistance 50
The Production of New Units 3
Rehab of Existing Units 4
Acquisition of Existing Units 0
Total 57
Table 59 - One Year Goals for Affordable Housing by Support Type
Discussion
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AP-60 Public Housing - 91.420, 91.220(h)
Introduction
Actions planned during the next year to address the needs to public housing
The Housing Authority of South Bend (HASB) is meeting the needs of extremely low-income, low-
moderate income and moderate-income families residing in the jurisdiction and is actively seeking to
expand its capacity to assist more families on a continual basis.
Actions to encourage public housing residents to become more involved in management and
participate in homeownership
Currently unknown. Please see section NA-35 for a discussion of the Housing Authority of South Bend.
If the PHA is designated as troubled, describe the manner in which financial assistance will be
provided or other assistance
The HASB has appealed its rating of 56 on the PHAS. Should the appeal not be successful, the HASB
would be receptive to any assistance offered. The HASB is preparing for the submission of its unaudited
2014 FASS. The HASB has scheduled its next round of physical inspections and is currently preparing
properties for this inspection. The Board of Commissioners was replaced and a new Board is ready to
assume responsibility for leadership and governance of the HASB.
Discussion
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AP-65 Homeless and Other Special Needs Activities - 91.420, 91.220(i)
Introduction
Describe the jurisdictions one-year goals and actions for reducing and ending homelessness
including:
Reaching out to homeless persons (especially unsheltered persons) and assessing their
individual needs
The Continuum of Care (CoC) agencies have worked together to design and implement a collaborative
process based on referrals and complementary programs and services.
Addressing the emergency shelter and transitional housing needs of homeless persons
The CoC continues to discuss and work on strategies that will result in the following priorities:
Restructuring the traditional shelter system toward the Housing First model and meeting Hearth
Act priorities.
Focusing on rapid re-housing activities with the HPRP to ESG transition.
Using two distinct approaches, one for situational impoverished homeless individuals and one
for the chronically improverished homeless, to re-house them.
Reducing the unsheltered or precariously housed population.
Reducing the time spent in transitional housing.
Helping homeless persons (especially chronically homeless individuals and families, families
with children, veterans and their families, and unaccompanied youth) make the transition to
permanent housing and independent living, including shortening the period of time that
individuals and families experience homelessness, facilitating access for homeless individuals
and families to affordable housing units, and preventing individuals and families who were
recently homeless from becoming homeless again
The chronically homeless, severely mentally ill, veterans, persons with HIV/AIDS, victims of domestic
violence, and youth will be moved into rapid re-housing options rather than the traditional shelter
system; the chronic substance abuse homeless subpopulation will use a traditional shelter model with
expanded services and programs. The Center for the Homeless established a homeless veteran facility.
The CoC is also considering a facility for the chronically homeless who typically stay outside of the
shelter system.
Helping low-income individuals and families avoid becoming homeless, especially extremely
low-income individuals and families and those who are: being discharged from publicly
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funded institutions and systems of care (such as health care facilities, mental health facilities,
foster care and other youth facilities, and corrections programs and institutions); or, receiving
assistance from public or private agencies that address housing, health, social services,
employment, education, or youth needs.
Discharge planning within the community continues to be extremely difficult. While the hospitals and
community mental health centers have coordinated plans with the emergency shelter facilities, they are
still less than ideal for an individual just released from their care. Additionally, county and state
correctional facilities are not coordinating their releases; it is not uncommon to have an individual arrive
at a facility with paperwork ordering them into residence when there is no available bed. With the
support of the Indiana Housing and Community Development Authority, the CoC has been working with
the State Department of Correction and the Department of Child Services to improve the coordination
of discharge policies.
The St. Joseph County CoC developed the following discharge coordination policies for foster care,
health care, and mental health systems of care.
Foster Care: The Indiana Division of Child Services case managers are responsible for creating
individualized plans for each youth being discharged from foster care. They are responsible for case
planning, and reunification conferences with providers including foster parents, birth parents, children
(when age appropriate), and Court Appointed Special Advocates. Youth aging out of foster care receive
independent living services that cover areas such as financial independence, educational needs,
vocational needs, mental health and substance abuse treatment. The Division of Child Services has a
written protocol and partners with appropriate community providers to ensure that youth discharged
from foster care are not discharged into the streets.
Health Care: Memorial Hospital and Health Care Systems and St. Joseph Regional Medical Center are the
two major health care centers in the community. Both have written protocols concerning the Discharge
Planning and Process in place. Discharge planning begins at the time of admission. The protocols state
that the social worker/case manager shall provide assistance when identified or requested.
Mental Health: Oaklawn Psychiatric Center has numerous written policies, protocols, and
Memorandums of Understanding involving discharge of homeless or potentially homeless
individuals. When an individual is considered potentially homeless, the protocol instructs the social
worker to contact the Center for the Homeless and/or other shelters to determine whether the
individual is banned, timed-out or needs to go to the grievance board.
Discussion
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AP-75 Barriers to affordable housing - 91.420, 91.220(j)
Introduction
The following public policies could negatively impact affordable housing and residential investment in St.
Joseph County:
Property Tax Rate - Homeowners in South Bend and Mishawaka pay city taxes while those in the County
Remainder do not. To address this problem, South Bend has implemented a residential tax abatement
program. In addition, the County Property Tax Rate for St. Joseph County is the second highest in the
State.
Design Standards - South Bend and Mishawaka require design improvements such as curbs, sidewalks
and drainage. The areas within the unincorporated county do not require these infrastructure
improvements.
Building Codes and Local Historic Districts - Codes related to construction and development allow no
special provision waivers for the construction of new, or rehab of existing, affordable housing. The lack
of provision waivers for affordable housing could be considered a barrier to the development of
affordable housing.
Local regulations for historic districts require exterior compatibility at the time of renovation or
rehabilitation, possibly imposing costs which could make the development of affordable housing within
those districts more expensive.
Regulatory Barriers in the Rural and Suburban Areas - Roughly sixty percent of the land in the
unincorporated areas of St. Joseph County is zoned agricultural, meaning a home built in the district
must have a minimum of a twenty acre lot. This requirement limits the development of affordable
housing in areas zoned agricultural.
Actions it planned to remove or ameliorate the negative effects of public policies that serve
as barriers to affordable housing such as land use controls, tax policies affecting land, zoning
ordinances, building codes, fees and charges, growth limitations, and policies affecting the
return on residential investment
Support for the development efforts that improve employment prospects for low/mod income
individuals is ongoing. People returning to the community from prison often need assistance in securing
jobs and affordable housing. The City of South Bend awarded HPRP, 2nd Allocation 2011 ESG funds, and
2013 ESG funds to Dismas House, an organization which provides support and job referral services to ex-
offenders, for the time period of October 2009 - December 2013. The agency did not apply to the City
for 2014 ESG funds.
The Residential Tax Abatement program is available to potential homeowners for consideration when
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thinking about homeownership. This allows a phasing in the costs that can lessen the immediate
financial burden and, coupled with the legislative property tax cap, could be critical to new
homeowners.
The City of South Bend will continue its Housing Counseling and Homebuyer Education programs.
Although not a financial mechanism, being better educated and understanding the costs and risks of
homeownership can direct individuals where their situation best suits them. Understanding if and when
a home purchase is a viable option is most critical.
In an effort to expand the jurisdiction of the South Bend Human Rights Commission, the Chair of the
Commission and the Executive Director met with the Mishawaka Common Council on October 7,
2013. Additionally, conversations are ongoing with the St. Joseph County Commissioners.
Discussion
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AP-85 Other Actions - 91.420, 91.220(k)
Introduction
Actions planned to address obstacles to meeting underserved needs
1. The City of South Bend continues to work on developing creative solutions and possible resources to
address the issue.
2. Continuing the emphasis on homeowner rehab support to assist owners with being able to remain in
their homes.
3. City's continuing support of housing counseling, successful renewal of Indiana Foreclosure Prevention
Network (IFPN) and Hardest Hit Funds (HHF) awards, and outreach efforts for Making Home Affordable
will ultimately assist those facing foreclosure.
4. Continuum of Care strategic planning to strenghten the structure, communication and efforts to
support the homeless and special needs populations through the following actions:
Broaden existing shelter and homelessness prevention activities.
Emphasize Rapid Re-housing (helping individuals and families who are literally homeless [in a
shelter or sleeping place not meant for human habitation]) to quickly access permanent
housing.
Help people quickly regain stability in permanent housing after experiencing a housing crisis
and/or homelessness.
Align the ESG program with other HUD programs.
Support more coordinated and effective data collection, performance measurement, and
program evaluation.
Actions planned to foster and maintain affordable housing
The age of the housing stock in the inner cities creates certain challenges for neighborhoods particularly
if the houses within it have not been properly been maintained. This sometimes occurs because of a
concentration of low income homeowners without sufficient means to keep up with the maintenance
requirements of an older home. To assist these residents, South Bend supports the inclusion of the
following activities:
Grants to owner occupied homes for Home rehabilitation/repair/purchase
Home modifications for elderly and disabled homeowners
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Delinquency & foreclosure resolution for existing homeowners
Clearance and demolition
Homebuyer education programs/training
Acquisition/rehab for resale to income-qualified homebuyers
Actions planned to reduce lead-based paint hazards
All homeownership rehab programs receiving federal dollars work collaboratively with the St. Joseph
County Health Department and the Housing Authority of South Bend (HASB). To address lead hazard
remediation, the Health Department, in partnership with HASB, applied for and received a $3 million
HUD Lead Hazard Control grant in 2006. The community provided more than $1 million in matching and
in-kind support toward this grant. In 2012, the Health Department, in partnership with the Housing
Authority of South Bend, applied for and received additional funding in the amount of $2.48 million,
with a match/local contributions of $1,401,863. The HASB is currently marketing a program that invites
homeowners to have their homes tested for lead with the possibility of having the lead remediated
through the Lead Hazard Control Grant.
The Housing Authority of South Bend maintains a Section 8 Landlord Assistance Program in which any
resident living in a Section 8 unit that has been identified as lead contaminated and where the owner
refuses to bring the home into a lead safe status, has an absolute preference on the Public Housing
waiting list for the first available unit. Additionally, any pre-1978 Section 8 home that is identified during
the Housing Authority’s Annual Housing Quality Standards Inspection as having chipping, peeling or
cracking paint must receive and pass a clearance test by a State certified inspection.
These policies have significantly increased the number of affordable housing units that are lead-safe in
the City. The HASB also maintains an active list of current lead safe addresses at
http://www.hasbonline.com/docs/safe.pdf
Actions planned to reduce the number of poverty-level families
The Center for the Homeless STAR (Skilled, Trained, Able, and Ready) program addresses the root causes
of poverty by assisting participants with job readiness, externships, job retention, and job search.Bridges
Out of Poverty is a local program based on a nationally recognized model that educates both the low-
income individual and the business community on working together to address issues that prevent
people in poverty from becoming employed.In 2014, the City of South Bend, in conjunction with the City
of Mishawaka, the St. Joseph County Chamber of Commerce, IVY Tech Community College, WorkOne
Development, and a number of local businesses launched a new workforce training initiative,
"Supporting Manufacturers and Regional Talent" (SMART). SMART assists residents in obtaining the
necessary skills to participate in a wider range of employment opportunities. Participants are trained
through IVY Tech as skilled workers in manufacturing. The program helps develop a skilled workforce to
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meet the needs of local manufacturers.
Actions planned to develop institutional structure
South Bend continues to utilize a team approach to working with its partners in implementing the
programs/projects funded through the various federal sources. The Community Investment staff
regularly communicates with all sub-grantees, and meets with those entities involved in the targeted
areas. Regularly scheduled meetings with the CDCs occur due to the nature of the work and the amount
of funds allocated.
The targeted geography approach meshes the efforts of the South Bend City departments, the CDCs,
and other nonprofits such as Habitat for Humanity, to broadly plan and advance the City's efforts. The
HOME, CDBG and NSP funds targeted to the Near Westside and Near Northwest neighborhoods offer an
opportunity for all of these entities to work together using their various areas of expertise to support
the successful conclusion of the plan.
Staff meets with an entity upon approval of a project and prior to contracting. In addition, desktop
monitoring and on-site monitoring occur.
The Consortium members are continually informed as to project/program status at their meetings
during the year. Scheduled in advance of the beginning of the year, sub-grantees are aware and plan for
visual and verbal updates.
The Continuum of Care members, who include the City of South Bend, continue to meet every month to
discuss program status and funding opportunities, and to address the broader issues of homelessness in
the community.
Actions planned to enhance coordination between public and private housing and social
service agencies
The Continuum of Care is formalizing their structure, Board and membership; monthly, as well as special
topic CoC meetings are held; the CoC seeks to expand membership to include developers, and others
with diverse backgrounds.
2. The Public Housing Authority is a member of the CoC.
3. The City, through it's partnership with the Urban Enterprise Association of South Bend, Inc., is in
discussion with United Way and 1st Source Bank to launch a Bank On program. Bank On is one tool to
help address the financial literacy of residents in the community. Bank On works to connect unbanked
and underbanked residents with safe and affordable financial services.4.
Discussion
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Program Specific Requirements
AP-90 Program Specific Requirements - 91.420, 91.220(l)(1,2,4)
Introduction
Community Development Block Grant Program (CDBG)
Reference 24 CFR 91.220(l)(1)
Projects planned with all CDBG funds expected to be available during the year are identified in the
Projects Table. The following identifies program income that is available for use that is included in
projects to be carried out.
1. The total amount of program income that will have been received before the start of the
next program year and that has not yet been reprogrammed 18,000
2. The amount of proceeds from section 108 loan guarantees that will be used during the
year to address the priority needs and specific objectives identified in the grantee's strategic
plan. 0
3. The amount of surplus funds from urban renewal settlements 0
4. The amount of any grant funds returned to the line of credit for which the planned use
has not been included in a prior statement or plan 0
5. The amount of income from float-funded activities 0
Total Program Income: 18,000
Other CDBG Requirements
1. The amount of urgent need activities 0
2. The estimated percentage of CDBG funds that will be used for activities that
benefit persons of low and moderate income.Overall Benefit - A consecutive period
of one, two or three years may be used to determine that a minimum overall
benefit of 70% of CDBG funds is used to benefit persons of low and moderate
income. Specify the years covered that include this Annual Action Plan. 80.00%
HOME Investment Partnership Program (HOME)
Reference 24 CFR 91.220(l)(2)
1. A description of other forms of investment being used beyond those identified in Section 92.205 is
as follows:
Not applicable.
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2. A description of the guidelines that will be used for resale or recapture of HOME funds when used
for homebuyer activities as required in 92.254, is as follows:
See attached "ST. JOSEPH COUNTY HOUSING CONSORTIUM RECAPTURE/RESALE GUIDELINES –
REVISED December 13, 2010"
3. A description of the guidelines for resale or recapture that ensures the affordability of units acquired
with HOME funds? See 24 CFR 92.254(a)(4) are as follows:
See attached "ST. JOSEPH COUNTY HOUSING CONSORTIUM RECAPTURE/RESALE GUIDELINES –
REVISED December 13, 2010"
4. Plans for using HOME funds to refinance existing debt secured by multifamily housing that is
rehabilitated with HOME funds along with a description of the refinancing guidelines required that
will be used under 24 CFR 92.206(b), are as follows:
Not applicable.
Emergency Solutions Grant (ESG)
Reference 91.220(l)(4)
1. Include written standards for providing ESG assistance (may include as attachment)
The Continuum of Care agrees that any client is eligible to receive assistance up to 12 months within
a 3 year period as determined by the certification process required for all ESG clients. The
Continuum of Care anticipates this timeframe to be of assistance, and believes it supports the rapid
re-housing emphasis of the program. It is the case manager's responsibility to document client need
and ensure that ESG is the most appropriate assistance for the client. Any potential client must go
through a detailed intake process in order to determine and document eligibility to participate in
the program. Case managers will consistently reevaluate the need for assistance during the 12
month period. All sub-grantees are expected to provide support to clients for the full time
neccessary to stabilize that client and provide for the likelihood of a positive housing outcome after
assistance.
2. If the Continuum of Care has established centralized or coordinated assessment system that
meets HUD requirements, describe that centralized or coordinated assessment system.
Continuum of Care agencies participate in a coordinated assessment system, where client entry into
homelessness prevention or rapid re-housing programs can begin at any point within the system.
Service providers will use a common assessment tool that will allow providers to enter data on a
client and provide transfer information when a client fits the services of another provider, without
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having to engage in another assessment. Reasons for client transfer can include better fit into a
specialized program, the correct geographic service area, and available resources within the
community.
3. Identify the process for making sub-awards and describe how the ESG allocation available to
private nonprofit organizations (including community and faith-based organizations).
The City of South Bend has the final decision making authority on the selection of proposals to be
funded. Proposals will be evaluated and preference given to those which address the following:
Top priority will be given to agencies that are actively involved in the Continuum of Care.
Allow for the most efficient and cost-effective use of ESG Program funds so that as many homeless
individuals and families as possible will be assisted.
Demonstrate a committment to the project in terms of time, effort, resources, etc.
Include a realistic, detailed financial package that documents the ability of the applicant entity to
match the Emergency Solutions Grant funds and demonstrates the ability to leverage financing from
other sources. (Expenditures should be explained).
Describe the nature and extent of the (documented) unmet homeless need within the applicant's
jurisdiction and detailed extent to which the proposed activities address the need.
Provide the ability of the applicant entity to carry out the proposed activities within the 2014
program year.
Demonstrate effectiveness in serving the homeless, including the ability to establish, maintain,
and/or improve the self-suffiency of homeless individuals.
Timeliness of reimbursement request/draw requests will be considered for currently or previously
funded entities.
It is a HUD policy that, within the framework of constitutional church-state guidelines, faith-based
organizations should be able to compete on an equal footing with other organizations for federal
funding. Accordingly, organizations that are faith-based are eligible, on the same basis as any other
organization, to participate in HUD programs and activities, and therefore the City of South Bend's
HUD-funded programs and activites.
4. If the jurisdiction is unable to meet the homeless participation requirement in 24 CFR
576.405(a), the jurisdiction must specify its plan for reaching out to and consulting with
homeless or formerly homeless individuals in considering policies and funding decisions
regarding facilities and services funded under ESG.
The City, along with the Continuum of Care, has as their combined agenda, the development of a
long term plan to include homeless participation on the Continuum. All sub-grantees are required to
involve program participants in the operation of their ESG funded program. This involvement can be
in the form of a program participants' employment or volunteering in program activities such as
construction, renovation, maintenance, general operation of facilities, and provision of services. For
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example, a shelter might involve participants in ongoing maintenance tasks or other operations of
the facility such as staffing the reception desk. This involvement can include paid and/or volunteer
work.
5. Describe performance standards for evaluating ESG.
The City, like HUD, recognizes that performance standards will evolve over the next few years as the
ESG Interim Rule is implemented and as ESG sub-grantees improve their program outcomes through
evaluation of HMIS data and through the integration of ESG services into the Continuum of Care.
Implementation of the Emergency Solutions Grant will allow the City to gain baseline data about
specific performance measures and performance standards. Baseline information from FY 2012 and
FY 2013 will be used to further refine measures and standards for the FY 2014 ESG funds. When
developing the performance standards, the City will also consider which data elements were
required to be collected in HMIS for ESG, and additional data elements included in the March 2010
HMIS Data Standards. Discussion to date has included standards of housing stability; maintaining
income/employment; access to other resources assistance; and the ability of a client to not fall back
into a homeless situation. The CoC will continue to be a consulting partner as the ESG performance
standards are finalized.
Performance Measures for Homelessness Prevention: A reduction in the number of homeless
households involving families with children (a priority need for homeless assistance within the
local Continuum of Care community)
Expected Outcome: At least 35% of participants assisted will remain in permanent housing six (6)
months after the last assistance provided under ESG.
Performance Measure for Homeless Rapid Re-Housing: A reduction in the number of homeless
households involving families with children, both sheltered and unsheltered (a priority need for
homeless assistance within the local Continuum of Care community).
Expected Outcome: At least 35% of participants assisted will remain in permanent housing six (6)
months after the last assistance provided under ESG.
Discussion
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Appendix - Alternate/Local Data Sources
1 Data Source Name
Maplebrook Survey Data
List the name of the organization or individual who originated the data set.
City
Provide a brief summary of the data set.
Survey conducted by the City
What was the purpose for developing this data set?
Detailed analysis of potential target area.
Provide the year (and optionally month, or month and day) for when the data was collected.
Briefly describe the methodology for the data collection.
Describe the total population from which the sample was taken.
Describe the demographics of the respondents or characteristics of the unit of measure, and the
number of respondents or units surveyed.
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Executive Summary
ES-05 Executive Summary - 91.200(c), 91.220(b)
1. Introduction
The 2015-2019 funding plan will continue to follow the basic parameters of the plans established by the
City of Mishawaka in previous years and continue to focus on revitalization activities as they increase
affordable housing for low to moderate income persons, eliminate of blighted properties, and improve
public infrastructure and fund social services.
The previous years of large public works (curb and sidewalks) projects in the Milburn Boulevard area and
the Fairmount Avenue rehab project allowed the City to address a significant need and complemented
other activities that were not federally funded. As non-federal funding dwindles and projects become
more difficult to fund, the City anticipates an even greater need to:
partner with non-profit Community Development Corporations;
concentrate on rehabilitation of owner-occupied homes;
provide affordable housing; and,
Work closely with the City's sub-grantee's to insure that our collaborative efforts serve the
greatest needs of our community.
Our previous efforts have resulted in significant rehabs, new homeowners, and assistance to
homeowners for repairs they could not otherwise afford.
2. Summary of the objectives and outcomes identified in the Plan
The City of Mishawaka will continue to target the Milburn Blvd. Neighborhood for revitalization with
approximately 40% of their CDBG funds allocated here. In 2005 the City of Mishawaka's Department of
Engineering employed consulting services to prepare a Master Plan for this section of the City. The plan
was to be complete by 2015, but there remains to be about $10,000,000 in curb and sidewalk
improvements that have yet to be complete, with 74% of the total project completed to date. The need
for curbs and sidewalks, owner occupied assistance, and spot/blight elimination in this area is still much
needed as houses are abandoned and/or foreclosed upon.
In addition, he City intends to allocate a minimum of 40% of Mishawaka's CDBG funds to in the Milburn
Boulevard Area to eliminate blighted properties with its slum/blight program.
3. Evaluation of past performance
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This Milburn Blvd. area has received over $36 million dollars in improvements since 2009 in
infrastructure improvements. This is a large investment by the City using funding sources such as TIF,
CDBG, HOME, NSP1 and NSP3. Along with that we have had a very successful partnership with Habitat
for Humanity of St. Joseph County, which has made a significant impact in the Milburn Boulevard
area. There has been a noticeable change in the landscape of the neighborhood because of this
investment. In order to continue this trend we must commit to focusing for another 5 years to finish the
curbs and sidewalks, rid the area of blighted structures, continue the Code Enforcement effort, and
provide very low to moderate income housing opportunities.
4. Summary of citizen participation process and consultation process
On May 6, 2014 the notice of the public hearings to kick-off the 2015-2019 HCD Plan process was
published in the South Bend Tribune and El Puente, the local Spanish-language newspaper, and was also
available on the City of South Bend website. In addition, the meeting notice was distributed via the
Neighborhood Resource Center listserv. Two public meetings were held May 20, 2014 at different
locations and at different times of the day to accommodate a variety of schedules. The afternoon
meeting was held at Mishawaka City Hall; there were no attendees other than City staff. The evening
meeting was held at the LaSalle Branch of the St. Joseph County Public Library in South Bend.
On July 14, 2014 the notice of the public hearings was sent to all organizations on the HCD mailing list.
The notice was published in the South Bend Tribune and El Puente, and also available on the City of
South Bend website. Two public meetings were held on July 28, 2014 at different locations and at
different times of the day to accommodate a variety of schedules. The City of Mishawaka public
meeting addressed Mishawaka CDBG application procedures, as well as City of South Bend CDBG and
ESG proposal processes. St. Joseph County Housing Consortium procedures for applying for HOME
funding were also addressed. The City of South Bend meeting addressed South Bend CDBG and ESG
proposal processes and St. Joseph Housing Consortium HOME application procedures. There was
discussion at both meetings regarding the 2015-2019 HCD Plan and 2015 Action Plan schedules and
processes. Meeting notices were sent to the La Casa de Amistad, a local Hispanic organization, for
appropriate notification to their clients.
Comments from all public hearings and subsequent letters and emails were assembled and
reviewed. They are attached to this document.
The original 2015-2019 Housing and Community Development Plan was available for review on
September 25, 2014, for a thirty (30) day period, ending October 24, 2014. Comments were accepted
during those 30 days and considered when developing the Final HCD and 2015 Action Plans. Two public
hearings (one in Mishawaka and one in South Bend) were held during the public comment period on
October 8, 2014.
The City of Mishawaka will make the amendment to the 2015-2019 Consolidated Plan and 2015 Action
Plan available for review on February 1, 2015. Comments will be received by the City Controller’s office
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about the amendment. In addition, the City of Mishawaka will host a public hearing on March 3, 2015
to accept comments and explain the need for an amendment.
5. Summary of public comments
Complaints relative to the CDBG or HOME program may be registered with the Mayor, the Director of
Community Development, or any City official at any time. However, for a formal written response,
complaints must be submitted in writing to the Director of Development. A written answer will be
provided within fifteen working days, if practicable.
A summary of all comments whether accepted or not and the reasons therefore shall be attached to the
final Consolidated Plan, any amendments following, or the performance report.
6. Summary of comments or views not accepted and the reasons for not accepting them
A summary of all comment whether accepted or not and the reasons therefore shall be attached to the
final Consolidate Plan, any amendments following, or the performance report.
7. Summary
The increase in allocation for the 2015 Action lPlan is a result of under-spendig by the City of Mishawaka
in previous years. A normal annual allocation for the City of Mishawaka is $467,000. For the 2015 fiscal
year, the City of Mishawaka wil need to spend approximately $1.1 million by the end of November,
almost three times the normal allocation. The City of Mishawaka calculated the amount needed to be
spent in late 2014, and thus needed to make a substantial amendments to the plan submitted to the
public in September 2014.
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The Process
PR-05 Lead & Responsible Agencies - 91.200(b)
1. Describe agency/entity responsible for preparing the Consolidated Plan and those
responsible for administration of each grant program and funding source
The following are the agencies/entities responsible for preparing the Consolidated Plan and
those responsible for administration of each grant program and funding source.
Agency Role Name Department/Agency
Lead Agency MISHAWAKA
CDBG Administrator Rebecca Miller
HOPWA Administrator
HOME Administrator
HOPWA-C Administrator
Table 60– Responsible Agencies
Narrative
The Consolidated Plan and the Action Plan were original done in consultation with local stakeholders
and the general public. The local Continuum of Care was consulted as part of the setting of goals and
projects for the next five years.
The City of Mishawaka is a partner organization with the City of South Bend. Each City receives its own
allocation of CDBG funding. Together, along with St. Joseph County, the two Cities share an annual of
HOME Investment Partnerships Grant funding. The City of South Bend is the lead agency for that
allocation and is responsible for administration of all the HOME funds. Any planning and reporting
related to HOME funding is completed by the City of South Bend.
Consolidated Plan Public Contact Information
City of Mishawaka
Department of Community Development
600 E. Third Street
Mishawaka, IN 46544
rmiller@mishawaka.in.gov
574-258-1622
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PR-10 Consultation - 91.100, 91.200(b), 91.215(l)
1. Introduction
Consultation is ongoing process with the City’s sub-grantee's, local service organizations, St. Joseph
County housing Consortium, COC and with other Departments within City Hall.
The City of Mishawaka has not updated its Citizen Participation Plan in over five years. During the 2015
fiscal year, the City will update its plan to reach more community members and the people this funding
is intended to serve. Ideas for future outreach include:
beginning participation in local festivals/fairs
continuing participation in local Continuum of Care
setting up electronic surveys during the summer
conducting annual meetings with sub grantees and local service providers
As part of serving the community, the City of Mishawaka staff will meeting with sub grantees and local
services agencies once per quarter to assess over the year the types of projects that will need gap
funding in future years.
Provide a concise summary of the jurisdiction’s activities to enhance coordination between
public and assisted housing providers and private and governmental health, mental health
and service agencies (91.215(I)).
The City of Mishawaka will revise its Citizen Participation Plan to incorporate more consultation as part
of the 2016 Action Plan Process.
Describe coordination with the Continuum of Care and efforts to address the needs of
homeless persons (particularly chronically homeless individuals and families, families with
children, veterans, and unaccompanied youth) and persons at risk of homelessness
City of Mishawka staff participates in meetings with the local Continuum of Care. Ideas for projects and
strategic planning for this document were derived from attendance at those meeting.
Describe consultation with the Continuum(s) of Care that serves the jurisdiction's area in
determining how to allocate ESG funds, develop performance standards and evaluate
outcomes, and develop funding, policies and procedures for the administration of HMIS
n/a
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2. Describe Agencies, groups, organizations and others who participated in the process
and describe the jurisdictions consultations with housing, social service agencies and other
entities
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Table 61– Agencies, groups, organizations who participated
1 Agency/Group/Organization Real Services, Inc./
Agency/Group/Organization Type Services-Elderly Persons
Services - Victims
What section of the Plan was addressed by
Consultation?
Non-Homeless Special Needs
How was the Agency/Group/Organization consulted
and what are the anticipated outcomes of the
consultation or areas for improved coordination?
The City of Mishawaka supports Real Sertvices Guardianship and Older Adult
Crime Victims. City Staff meets with Real Services to monitor the spending of the
CDBG Funding we offer to them to insure that they are spending dollars in
accordance with CDBG guidelines. These visits also provide us with insight to
benefits they provide to clients and goals for future program years.
2 Agency/Group/Organization BOYS AND GIRLS CLUB OF ST. JOSEPH COUNTY
Agency/Group/Organization Type Services-Children
What section of the Plan was addressed by
Consultation?
Homelessness Needs - Unaccompanied youth
How was the Agency/Group/Organization consulted
and what are the anticipated outcomes of the
consultation or areas for improved coordination?
The City of Mishawaka supports the Boys and Girls club City Staff meets with Staff
of the Boys and Girls Club to monitor the spending of the CDBG Funding we offer
to them to insure that they are spending dollars in accordance with CDBG
guidelines. These visits also provide us with insight to benefits they provide to
clients and goals for future program years. The Boys and Girls Club has established
a great relationship with the School City of Mishawaka and facilitates it's after
school programs.
3 Agency/Group/Organization Housing Assistance Office
Agency/Group/Organization Type Housing
PHA
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What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Public Housing Needs
How was the Agency/Group/Organization consulted
and what are the anticipated outcomes of the
consultation or areas for improved coordination?
The HOA submitted a sub-grantee application and consutation has been done in
person and via telephone. Based on the consultation we have determined that
they provide our community with more detailed homeowner occupied
rehabilitation than what we can offer with our programs.
4 Agency/Group/Organization YWCA OF ST.JOSEPH COUNTY
Agency/Group/Organization Type Housing
Services-Victims of Domestic Violence
Services-homeless
Services - Victims
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Public Housing Needs
Homeless Needs - Families with children
How was the Agency/Group/Organization consulted
and what are the anticipated outcomes of the
consultation or areas for improved coordination?
Identify any Agency Types not consulted and provide rationale for not consulting
The City of Mishawaka did not conduct consultations as part of the amendment process. However, the City did speak with local government
departments and Real Services. Because of significant under spending in the previous year, the City of Mishawaka needed to quickly allocate
funding to different projects with the ability to spend federal funds in a quick, yet meaningful manner.
The thirty day public/comment period from the public will serve as outside consultation and approval by the public for the proposed changes.
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Other local/regional/state/federal planning efforts considered when preparing the Plan
Name of Plan Lead Organization How do the goals of your Strategic Plan
overlap with the goals of each plan?
Continuum of Care
Table 62– Other local / regional / federal planning efforts
Describe cooperation and coordination with other public entities, including the State and any adjacent units of general local
government, in the implementation of the Consolidated Plan (91.215(l))
The Consolidated Plan was put together in coordination with the City of South Bend. The City of South Bend is the city directly to the West of
Mishawaka and is a planning partner of the City of Mishawaka. Together the Cities receive an allocation of HOME funds with each city receiving
its own allocation of CDBG funding. Each city must write its own Consolidated Plan and Action Plan. This Consolidated Plan and Action Plan
serve to meet the requirements for the City of Mishawaka.
However, both Cities must submit correct documents, meeting all of the HUD requirements in order to receive each of their allocations. If one
City does not meet the HUD requirements, it will hold up the funding of the other City.
Narrative
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PR-15 Citizen Participation - 91.401, 91.105, 91.200(c)
1. Summary of citizen participation process/Efforts made to broaden citizen participation
Summarize citizen participation process and how it impacted goal-setting
On May 6, 2014 the notice of the public hearings to kick-off the 2015-2019 HCD Plan process was published in the South Bend Tribune and El
Puente, the local Spanish-language newspaper, and was also available on the City of South Bend website. In addition, the meeting notice was
distributed via the Neighborhood Resource Center listserv. Two public meetings were held May 20, 2014 at different locations and at different
times of the day to accommodate a variety of schedules. The afternoon meeting was held at Mishawaka City Hall; there were no attendees
other than City staff. he evening meeting was held at the LaSalle Branch of the St. Joseph County Public Library in South Bend.
On July 14, 2014 the notice of the public hearings was sent to all organizations on the HCD mailing list. The notice was published in the South
Bend Tribune and El Puente, and also available on the City of South Bend website. Two public meetings were held on July 28, 2014 at different
locations and at different times of the day to accommodate a variety of schedules. The City of Mishawaka public meeting addressed Mishawaka
CDBG application procedures, as well as City of South Bend CDBG and ESG proposal processes. St. Joseph County Housing Consortium
procedures for applying for HOME funding were also addressed. The City of South Bend meeting addressed South Bend CDBG and ESG proposal
processes and St. Joseph Housing Consortium HOME application procedures. There was discussion at both meetings regarding the 2015-2019
HCD Plan and 2015 Action Plan schedules and processes. Meeting notices were sent to the La Casa de Amistad, a local Hispanic organization, for
appropriate notification to their clients.
Comments from all public hearings and subsequent letters and emails were assembled and reviewed. They are attached to this document.
The original 2015-2019 Housing and Community Development Plan was available for review September 25, 2014, for a thirty (30) day period,
ending October 24, 2014.
The amended 2015-2019 Housing and Community Development Pla will be availabe for review February 1, 2015 for a thirty (30) day period,
ending March 2, 2015.
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Citizen Participation Outreach
Sort Order Mode of Outreach Target of Outreach Summary of
response/attendance
Summary of
comments received
Summary of comments
not accepted
and reasons
URL (If
applicable)
1 Public Meeting General Public
Outreach
A summary of
responses will be
submitted in final
HCD Plan
NA NA
2 Public Hearing General Public
Outreach
A public hearing was
held on Tuesday,
March 3, 2015. No
attendees, no
comments or
concerns were
received.
N/A N/A
Table 63– Citizen Participation Outreach
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Needs Assessment
NA-05 Overview
Needs Assessment Overview
CDBG funds will be utilized and leveraged throughout the Mishawaka; however, the City will continue to
target the Milburn Blvd. area as the need remains for continued resources and improvements both from
a housing and public infrastructure standpoint.
The Millburn Blvd. area is bounded by St. Joseph River on the North, Panama/12th Street on the South,
and Ironwood Drive on the West and Union Street on the East define the Milburn Boulevard Area. This
area contains Census Tracts 101 and 102 and has a population of 8,685 residents.
This neighborhood was targeted for several reasons, one of which is the documented economic need in
the area. The area has a higher unemployment rate than the City of Mishawaka. In 2011, the
unemployment rate for census tract 101 was 14.96 percent and the unemployment rate for census tract
102 was 9.26 percent. Both were higher than the City’s unemployment rate of 8.8 percent. Of the total
population for the area, 4,945 (56.6%) are considered low-moderate income. 19.16 percent of the
population lived at or below the poverty level in 2011.
This is also a densely populated area that is largely residential with a mixture of owner occupied homes
and rental properties. The U.S. Postal Service reported in September 2010 that 52 percent of the
residential properties were vacant for 12 months prior. Yet, the homeownership rate for the area is still
much higher than the rate for the entire City, 68.47 percent for the targeted area compared to 52.82
percent for the City of Mishawaka.
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NA-50 Non-Housing Community Development Needs - 91.415, 91.215 (f)
Describe the jurisdiction’s need for Public Facilities:
This City of Mishawaka began focusing its efforts and resources on the Milburn Boulevard Neighborhood
in 2009. This neighborhood is defined by the St. Joseph River on the north, Panama/Twelfth Street on
the south, Ironwood Drive on the west, and Union Street on the east. The Milburn Boulevard area is one
of the earliest neighborhoods established in the City, with some of the housing dating back to the late
19th century. While funding will be spread across the City, we have determined that the majority of our
funding will be used within this area.
How were these needs determined?
The target area was selected for several reasons, one of which is the economic need in the area.
The Milburn Boulevard Target Area has a homeownership rate much higher than the rate for the entire
City, 68.47 percent for the targeted area compared to 52.82 percent for the City of Mishawaka. HMDA
reports that one quarter of all mortgages in the City of Mishawaka are high-cost mortgages. A high cost
mortgage is a mortgage with higher than normal interest rates or fees, typically given to homebuyers
with lower incomes or credit issues. Since many of the homeowners, 29.87 percent, in the area have a
high cost burden, paying more than 30 percent of their income towards housing cost, the area is prime
for housing abandonment or decline.
Describe the jurisdiction’s need for Public Improvements:
Another reason we are continuing to focus efforts in this area revolves around the fact that an extensive
amount of infrastructure improvements have been completed in this area. In 2005 our City Engineering
We would like to continue improving the area as it is a gateway into our City from the west, includes
public and private schools, and is a highly populated residential area that must have accessible sidewalks
and curbs and affordable housing.
We have made a collaborative effort with our Code Department to heighten enforcement in that area
since 2010. There has been an extended Code presence in that area to the extent that they made 4,408
cases over the past 5 years and an additional 229 substandard cases since 2010. Of those, the
department has closed 3,947 public nuisance cases and 220 substandard cases. While an additional
Code Officer was paid to enforce the area with CDBG funds in the past, it is not necessary to move
forward in that direction. We will not be continuing that practice on a go forward basis.
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These improvement efforts by the City of Mishawaka departments in the target area allow community
development to better justify the continued use of CDBG funds within the target area. Another public
source of funding that can be leveraged in that area is TIF funds. The City’s TIF district overlaps the
Milburn Blvd. According to State Statute, TIF funds can be used to pay for such items as curb and
sidewalk, streets, and clearance of land in preparation for development. Utilizing different funding
sources allows us to complete larger scale projects at one time, instead of piece meal.
For the purpose of the amendment:
The Department of Engineering estimates over $1,000,000 of improvements for sidewalk, curb, alley
approaches, drive approaches, service walks, tree removal and drainage improvements in an area
bounded by the Saint Joseph River on the south, Logan Street on the west, Jefferson on the north and
Main Street on the east. Main Street to Logan Street is approximately 4,000 feet in length and we are
looking at 6 main east /west streets and 9 north / south streets in this neighborhood. The north / south
streets range in length from approximately 2,500 to 3,200 feet in length.
How were these needs determined?
The Department of Community Development regularly meets with the Department of Engineering, the
Planning Department, and the Mayor to determine areas throughout the City that are in need of Public
Improvements. While there is a need throughout the City's other neighborhoods, the Milburn Blvd. area
still has the most need and will benefit the most from public improvements.
For the purpose of the amendment:
The Community Development Department met with the Department of Engineering to determine a
need for 2015 that would be feasible to accomplish in one season of construction. However, the City of
Mishawaka will only be able to fund half of the proposed need.
Describe the jurisdiction’s need for Public Services:
The City has limited funding for Public Services, but there is a steady need for these services and we
continue to support them with CDBG Funding. Our list of Sub-Grantee's include non-profit organizations
the Mishawaka Food Pantry, YWCA, Real Services, Home Ownership Assistance Office, and The Boys and
Girls Club.
How were these needs determined?
These needs are determined based on Census Information, regular conversation with our sub-grantee,
public engagements such as speaking with members of service organizations, discussions with other City
Departments, Continuum of Care direction, and through public comment.
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Based on the needs analysis above, describe the State's needs in Colonias
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Housing Market Analysis
MA-05 Overview
Housing Market Analysis Overview:
The City's continued public infrastructure improvements are essential to the restoration of the City's
oldest neighborhoods, including, but not limited to the Milburn Boulevard area. In the past our CDBG
funding has helped fund new curbs and sidewalk pro The City is comprised of many older
neighborhoods, including the Milburn Boulevard area, where new sidewalks and curbs are necessary for
safe routes to school and to improve handicap accessibility.
In the Milburn Blvd. area, specifically, roughly 50% of the sidewalks remain unimproved and it will take
an estimated $10,000,000 to complete over the next five years. We will be able to leverage TIF funds
and Sewer funds to complete the project where needed throughout the City. Since 2009 the City has
spent roughly $36,000,000 in improvements to infrastructure in the Milburn Blvd area and that project
is 74% complete. Our project is ongoing and will continue through 2019 in the Milburn area with spot
blight, owner occupied rehab, and public infrastructure activities.
This neighborhood was targeted for several reasons, one of which is the documented economic need in
the area. The area is a higher unemployment rate than the City of Mishawaka. In 2011, the
unemployment rate for census tract 101 was 14.96 percent and the unemployment rate for census tract
102 was 9.26 percent. Both were higher than the City’s unemployment rate of 8.8 percent. Of the total
population for the area, 4,945 (56.6%) are considered low-moderate income. 19.16 percent of the
population lived at or below the poverty level in 2011.
This is also a densely populated area that is largely residential with a mixture of owner occupied homes
and rental properties. The U.S. Postal Service reported in September 2010 that 52 percent of the
residential properties were vacant for 12 months prior. Yet, the homeownership rate for the area is still
much higher than the rate for the entire City, 68.47 percent for the targeted area compared to 52.82
percent for the City of Mishawaka.
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MA-45 Non-Housing Community Development Assets - 91.410, 91.210(f)
Introduction
The major sectors within Mishawaka are retail and hospitality related. The Main Street and Grape Road corridor's on the north side of the City
make up the largest portion of our retail market with University Park Mall and the supporting restaurants and plaza's immediately to the
south. This area serves our entire region drawing people from surrounding cities and three states.
Economic Development Market Analysis
Business Activity
Business by Sector Number of
Workers Number of Jobs Share of Workers
% Share of Jobs
% Jobs less workers
%
Agriculture, Mining, Oil & Gas Extraction 101 23 0 0 0
Arts, Entertainment, Accommodations 2,556 3,699 10 16 6
Construction 1,399 631 6 3 -3
Education and Health Care Services 5,655 3,560 23 15 -8
Finance, Insurance, and Real Estate 1,219 2,029 5 9 4
Information 368 437 1 2 1
Manufacturing 4,400 1,571 18 7 -11
Other Services 900 1,741 4 8 4
Professional, Scientific, Management Services 1,603 636 6 3 -3
Public Administration 813 1,012 3 4 1
Retail Trade 3,631 6,639 15 29 14
Transportation and Warehousing 1,185 307 5 1 -4
Wholesale Trade 947 711 4 3 -1
Total 24,777 22,996 -- -- --
Table 64 - Business Activity
Data Source: 2005-2009 ACS (Workers), 2010 ESRI Business Analyst Package (Jobs)
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Labor Force
Total Population in the Civilian Labor Force 26,624
Civilian Employed Population 16 years and over 24,777
Unemployment Rate 6.94
Unemployment Rate for Ages 16-24 18.15
Unemployment Rate for Ages 25-65 4.69
Table 65 - Labor Force
Data Source: 2005-2009 ACS Data
Occupations by Sector Number of People
Management, business and financial 6,653
Farming, fisheries and forestry occupations 24
Service 4,447
Sales and office 7,009
Construction, extraction, maintenance and
repair 2,318
Production, transportation and material
moving 4,326
Table 66 – Occupations by Sector
Data Source: 2005-2009 ACS Data
Travel Time
Travel Time Number Percentage
< 30 Minutes 18,949 81%
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Travel Time Number Percentage
30-59 Minutes 3,687 16%
60 or More Minutes 829 4%
Total 23,465 100%
Table 67 - Travel Time
Data Source: 2005-2009 ACS Data
Education:
Educational Attainment by Employment Status (Population 16 and Older)
Educational Attainment In Labor Force
Civilian Employed Unemployed Not in Labor Force
Less than high school graduate 1,739 179 1,016
High school graduate (includes equivalency) 6,308 430 1,616
Some college or Associate's degree 6,495 483 1,400
Bachelor's degree or higher 5,293 127 782
Table 68 - Educational Attainment by Employment Status
Data Source: 2005-2009 ACS Data
Educational Attainment by Age
Age
18–24 yrs 25–34 yrs 35–44 yrs 45–65 yrs 65+ yrs
Less than 9th grade 100 80 115 269 307
9th to 12th grade, no diploma 886 702 645 1,123 1,313
High school graduate, GED, or alternative 1,479 1,983 2,426 3,952 3,294
Some college, no degree 1,947 2,481 1,202 2,879 915
Associate's degree 210 815 496 583 142
Bachelor's degree 498 1,751 1,298 1,340 438
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Age
18–24 yrs 25–34 yrs 35–44 yrs 45–65 yrs 65+ yrs
Graduate or professional degree 36 414 436 1,000 400
Table 69 - Educational Attainment by Age
Data Source: 2005-2009 ACS Data
Educational Attainment – Median Earnings in the Past 12 Months
Educational Attainment Median Earnings in the Past 12 Months
Less than high school graduate 17,296
High school graduate (includes equivalency) 27,758
Some college or Associate's degree 27,881
Bachelor's degree 37,985
Graduate or professional degree 44,600
Table 70 – Median Earnings in the Past 12 Months
Data Source: 2005-2009 ACS Data
Based on the Business Activity table above, what are the major employment sectors within your jurisdiction?
The major sectors within Mishawaka are retail and hospitality related. The Main Street and Grape Road corridor's on the north side of the City
make up the largest portion of our retail market with University Park Mall and the supporting restaurants and plaza's immediately to the
south. This area serves our entire region drawing people from surrounding cities and three states.
Describe the workforce and infrastructure needs of the business community:
The workforce is made up of a high number of retail workers, medical related employment, education professionals, and manufacturing. *insert
infrastructure improvements/futer projects to support needs
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Describe any major changes that may have an economic impact, such as planned local or regional public or private sector
investments or initiatives that have affected or may affect job and business growth opportunities during the planning period.
Describe any needs for workforce development, business support or infrastructure these changes may create.
A major announcement from a private sector business will have a major impact on the cities north boundary. At the time of the publication of
this amendment, no announcements for major employment growth have been made.
How do the skills and education of the current workforce correspond to employment opportunities in the jurisdiction?
The majority of the population of Mishawka is highly educated, 87 percent have a high school diploma, some collage or a degree. The
breakdown is as follows:
35 percent have a high school diploma
25 percent have some college but no degree
6 percent have an Associate’s degree
14 percent have a Bachelor’s Degree
6 percent have a graduate or professional degree
The large amount of education by the population is a good indicator for the types of employment held by the population. Table 11 shows 23
percent of the population in the education and health fields. Given the close proximity to the University of Notre Dame, a large number of
higher education jobs are readily available. However, the data does not determine the place or location of employment.
Describe any current workforce training initiatives, including those supported by Workforce Investment Boards, community
colleges and other organizations. Describe how these efforts will support the jurisdiction's Consolidated Plan.
The City of Mishawka does not support employment initiatives.
Does your jurisdiction participate in a Comprehensive Economic Development Strategy (CEDS)?
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No
If so, what economic development initiatives are you undertaking that may be coordinated with the Consolidated Plan? If not,
describe other local/regional plans or initiatives that impact economic growth.
n/a
Discussion
Employment opportunities are high for the City of Mishawaka. The unemployment rate for the area is 6.89 percent, average for the State of
Indiana. For those of working age, ages 25-64, the unemployment rate is very low at 4.69 percent. The need for employment training and
creation of new jobs is low compared to other needs in the community.
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MA-50 Needs and Market Analysis Discussion
Are there areas where households with multiple housing problems are concentrated?
(include a definition of "concentration")
The City of Mishawaka plans to continue its focus on the Milburn Boulevard Area. The St. Joseph River
on the North, Panama/12th Street on the South, Ironwood Drive on the West and Union Street on the
East define the Milburn Boulevard Area. This area contains Census Tracts 101 and 102 and has a
population of 8,685 residents. It is an area where housing problems are concentrated, with higher rates
of housing abandonment, poverty and crumbling infrastructure.
This neighborhood was targeted for several reasons, one of which is the documented economic need in
the area. The area is a higher unemployment rate than the City of Mishawaka. In 2011, the
unemployment rate for census tract 101 was 14.96 percent and the unemployment rate for census tract
102 was 9.26 percent. Both were higher than the City’s unemployment rate of 8.8 percent. Of the total
population for the area, 4,945 (56.6%) are considered low-moderate income. 19.16 percent of the
population lived at or below the poverty level in 2011.
This is also a densely populated area that is largely residential with a mixture of owner occupied homes
and rental properties. The U.S. Postal Service reported in September 2010 that 52 percent of the
residential properties were vacant for 12 months prior. Yet, the homeownership rate for the area is still
much higher than the rate for the entire City, 68.47 percent for the targeted area compared to 52.82
percent for the City of Mishawaka.
Since many of the homeowners, 29.87 percent, in the area have a high cost burden, paying more than
30 percent of their income towards housing cost, the area is prime for housing abandonment or decline.
Are there any areas in the jurisdiction where racial or ethnic minorities or low-income
families are concentrated? (include a definition of "concentration")
This neighborhood was targeted for several reasons, one of which is the documented economic need in
the area. The area is a higher unemployment rate than the City of Mishawaka. In 2011, the
unemployment rate for census tract 101 was 14.96 percent and the unemployment rate for census tract
102 was 9.26 percent. Both were higher than the City’s unemployment rate of 8.8 percent. Of the total
population for the area, 4,945 (56.6%) are considered low-moderate income. 19.16 percent of the
population lived at or below the poverty level in 2011.
This is also a densely populated area that is largely residential with a mixture of owner occupied homes
and rental properties. The U.S. Postal Service reported in September 2010 that 52 percent of the
residential properties were vacant for 12 months prior. Yet, the homeownership rate for the area is still
much higher than the rate for the entire City, 68.47 percent for the targeted area compared to 52.82
percent for the City of Mishawaka.
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Since many of the homeowners, 29.87 percent, in the area have a high cost burden, paying more than
30 percent of their income towards housing cost, the area is prime for housing abandonment or decline.
What are the characteristics of the market in these areas/neighborhoods?
This market has some interesting characteristics. It is largely residential with a mixture of owner
occupied homes and rental properties. The U.S. Postal Service reported in September 2010 that 52
percent of the residential properties were vacant for 12 months prior. Yet, the homeownership rate for
the area is still much higher than the rate for the entire City, 68.47 percent for the targeted area
compared to 52.82 percent for the City of Mishawaka.
Are there any community assets in these areas/neighborhoods?
This area has been served my a remodeled city owned pool at Mary Gibbard park which also allows
rentals for gatherings and has a beautifully maintained park with playground activities for children. St.
Bavo's Catholic Church has been serving this area for decades and also has a school for kindergarten
through eight grade. The Area also includes St. Joseph Church, which is highly attended and is
historically relevant. There is also a medical arts building and medical complex that serves the
community as well. LaSalle Elementary School serves a large portion of the area and is the largest
elementary school with School City of Mishawaka.
Are there other strategic opportunities in any of these areas?
Strategic opportunities include spot blight elimination, public infrastructure (curb and sidewalk repair)
as part of a larger sewer project, and owner occupied rehab (summer of service).
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Strategic Plan
SP-05 Overview
Strategic Plan Overview
The previous Consolidated Plan, established in 2010, has served the City of Mishawaka and the residents
of the Milburn Boulevard Area very well. The City anticipates that this area will continue to benefit from
CDBG assistance for the next 5 years as it has in the previous 5 years from a spot blight, public
infrastructure, low to moderate housing assistance, and owner occupied rehab standpoint.
The goal of the City of Mishawaka is to consult as many people as possible in the community to obtain
feedback, concerns, and ideas about the direction of City programs. City staff attends public service
organization meetings as well as obtains thoughts, ideas and direction from the Redevelopment
Commission. Following the draft of this plan the City held a public hearing to gain community insight on
the specifics of this plan, noted them and made changes as necessary. The City also sent out
information by way of our Communicator article that accompanies every utility bill within the City to
garner additional community feedback.
For the amendment to the Consolidated Plan, the proposed changes were reviewed by the public for
thirty days, at a public hearing and by members of the Redevelopment Commission.
The City anticipates that once completed, the consolidated planning effort will have a significant impact
in the community and for low income residents. The City of Mishawaka has an estimated $1,100,775
funds from previous years of unused funds and 2015 allocations to be spent in 2015. This plan will follow
suit of the previously submitted plan to involve other City departments and organization in the needs
identified herein. We will continue to organize our efforts with Code, Police, Fire, Planning, and
Engineering so we all play an integral role in improving and/or maintaining the quality of service and
integrity our neighborhoods. We recognize that our problems, issues, and goals are not limited to one
department or area, but have the potential to be impacted on every level by the services delivered by
each department within the City.
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SP-10 Geographic Priorities - 91.415, 91.215(a)(1)
Geographic Area
Table 71 - Geographic Priority Areas
1 Area Name: MILBURN BLVD AREA
Area Type: Local Target area
Other Target Area Description:
HUD Approval Date:
% of Low/ Mod:
Revital Type: Comprehensive
Other Revital Description:
Identify the neighborhood boundaries
for this target area.
While CDBG funding will be spread throughout the
City, our focus will continue to be in the Milburn
Boulevard Area where we expect to allocate the
majority of funding. This is a vast area defined by the
St. Joseph River on the North, Panama/12th Street on
the South, Ironwood Drive on the West and Union
Street on the East define the Milburn Boulevard
Area. This area contains Census Tracts 101 and 102
and has a population of 8,685 residents.
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Include specific housing and
commercial characteristics of this
target area.
This neighborhood was targeted for several reasons,
one of which is the documented economic need in the
area. The area has a higher unemployment rate than
the City of Mishawaka. In 2011, the unemployment
rate for census tract 101 was 14.96 percent and the
unemployment rate for census tract 102 was 9.26
percent. Both were higher than the City’s
unemployment rate of 8.8 percent. Of the total
population for the area, 4,945 (56.6%) are considered
low-moderate income. 19.16 percent of the
population lived at or below the poverty level in 2011.
This is also a densely populated area that is largely
residential with a mixture of owner occupied homes
and rental properties. The U.S. Postal Service reported
in September 2010 that 52 percent of the residential
properties were vacant for 12 months prior. Yet, the
homeownership rate for the area is still much higher
than the rate for the entire City, 68.47 percent for the
targeted area compared to 52.82 percent for the City
of Mishawaka. Still, with homeownership rates higher
than average, our Code Enforcement Department
continues to address code violations at a high
rate. Over the past five years the Code Department
has made 4,408 public nuisance cases and an
additional 229 substandard cases since 2010. Of those,
the Department has closed 3,947 of the public
nuisance cases and 220 of the substandard cases.
How did your consultation and citizen
participation process help you to
identify this neighborhood as a target
area?
The citizen participation process included many facets
of communication, public meetings, private
consultations with stakeholders and an open public
comment period.
Identify the needs in this target area. The neighborhood was targeted for several reasons,
one of which is the documented need in the area. Of
the total population for the area 4,945 (56.6%) are
considered low-moderate income.
What are the opportunities for
improvement in this target area?
Opportunities for improvement remain in curb and
sidewalk repair/replacement, spot blight elimination
and new opportunities for vey low-moderate housing
construction through our partnership with Habitat for
Humanity.
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Are there barriers to improvement in
this target area?
n/a
2 Area Name: City of Mishawaka
Area Type: Local Target area
Other Target Area Description:
HUD Approval Date:
% of Low/ Mod:
Revital Type: Other
Other Revital Description: Public Service
Identify the neighborhood boundaries
for this target area.
Include specific housing and
commercial characteristics of this
target area.
How did your consultation and citizen
participation process help you to
identify this neighborhood as a target
area?
Identify the needs in this target area.
What are the opportunities for
improvement in this target area?
Are there barriers to improvement in
this target area?
General Allocation Priorities
Describe the basis for allocating investments geographically within the state
This City of Mishawaka began focusing its efforts and resources on the Milburn Boulevard Neighborhood
in 2009. This neighborhood is defined by the St. Joseph River on the north, Panama/Twelfth Street on
the south, Ironwood Drive on the west, and Union Street on the east. The Milburn Boulevard area is
one of the earliest neighborhoods established in the City, with some of the housing dating back to the
late 19th century.
The target area was selected for several reasons, one of which is the economic need in the area. This is
a densely populated area that is largely residential with a mixture of rental properties and owner
occupied homes. It is comprised of all the block groups in St. Joseph County Tracts 101 and 102. Per the
Consolidated Plan MISHAWAKA 218
OMB Control No: 2506-0117 (exp. 07/31/2015)
2012 Census, tracts 101 and 102 have a combined population of 8,685 residents. Per HUD guidelines,
56.6 percent are considered low to moderate income. 19.16 percent of the population lived at or below
the poverty level in 2011.
Another reason the City is continuing to focus efforts in this area revolves around the fact that an
extensive amount of infrastructure improvements have been completed in this area. The City of
Mishawaka would like to continue improving the area as it is a gateway the target area is a gateway
from the west and is a highly populated residential area that must have accessible sidewalks and curbs
and affordable housing.
The Community Development Department has made a collaborative effort with the Code Enforcement
Department to heighten enforcement in that area since 2010. There has been an extended Code
presence in the Milburn Blvd. area to the extent that they made 4,408 cases over the past 5 years and
an additional 229 substandard cases since 2010. Of those, the Code Enforcement Department has
closed 3,947 public nuisance cases and 220 substandard cases. While an additional Code Officer was
paid to enforce the area with CDBG funds in the past, it is not necessary to move forward in that
direction. We will not be continuing that practice going forward.
Another public source of funding that can be leveraged in that area is TIF funds. The City’s TIF district
overlaps the Milburn Blvd. According to State Statute, TIF funds can be used to pay for such items as
curb and sidewalk, streets, and clearance of land in preparation for development. Utilizing different
funding sources allows us to complete larger scale projects at one time, instead of piece meal.
It is estimated that in 2015, 40% of the Mishawaka CDBG funding will be utilized in the Milburn Blvd
Area for efforts such as owner occupied repairs and public infrastructure improvements.
Consolidated Plan MISHAWAKA 219
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-25 Priority Needs - 91.415, 91.215(a)(2)
Priority Needs
Table 72 – Priority Needs Summary
1 Priority Need
Name
Spot Blight Elimination
Priority Level High
Population Extremely Low
Low
Moderate
Geographic
Areas
Affected
MILBURN BLVD AREA
City of Mishawaka
Associated
Goals
Spot Blight Clearance
Description Based on the location, size, and condition of the lot the City has the option to use
Spot Blight fund with the intent to rebuild if the lot is suitable to construct or
assist in constructing very low to moderate income housing. In cases, where the
lot is not suitable for a new home, the city has the option to purchase and demo
with Spot Blight clearance funding. This will allow the demolition to be the end
result and no future housing will be slated for construction. This will also allow
us to sell/deed the cleared lot to an income qualified neighbor without overly
enriching them.
Basis for
Relative
Priority
At any given time the City has 100 or more vacant, abandoned, or foreclosed
units. In many cases these homes are beyond repair where the amount of
money needed to improve the unit to habitable condition far exceeds the value
after completion. In these instances the City will attempt to strategically
purchase the proprty for demolition.
2 Priority Need
Name
Public Infrastructure
Priority Level High
Population Extremely Low
Low
Moderate
Geographic
Areas
Affected
MILBURN BLVD AREA
City of Mishawaka
Consolidated Plan MISHAWAKA 220
OMB Control No: 2506-0117 (exp. 07/31/2015)
Associated
Goals
Public Infrastructure
Description The City's need for continued public infrastructure improvement is vitale to the
restoration of the City's oldest neighborhood's, including, but not limited to the
Milburn Boulevard area. In the past our CDBG funding has helped fund new
curbs and sidewalk projects where needed throughout the City.
Basis for
Relative
Priority
The City is comprised of many older neighborhoods, including the Milburn
Boulevard area, where new sidewalks and curbs are necessary for safe routes to
school and to improve handicap accesibility. In the Milburn Blvd. area,
specifically, roughly 50% of the sidewalks remain unimproved and it will take an
estimated $10,000,000 to complete over the next five years. We will be able to
leverage TIF funds and Sewer funds to complete the project.
3 Priority Need
Name
Affordable Housing Assistance
Priority Level High
Population Extremely Low
Low
Moderate
Large Families
Families with Children
Elderly
Elderly
Frail Elderly
Persons with Mental Disabilities
Persons with Physical Disabilities
Persons with Developmental Disabilities
Persons with Alcohol or Other Addictions
Persons with HIV/AIDS and their Families
Victims of Domestic Violence
Non-housing Community Development
Geographic
Areas
Affected
MILBURN BLVD AREA
City of Mishawaka
Associated
Goals
Owner Occupied Rehab
Construction of Housing
Direct Homeownership Assistance
Consolidated Plan MISHAWAKA 221
OMB Control No: 2506-0117 (exp. 07/31/2015)
Description The City of Mishawaka will work with nonprofit organizations to provide low
income homeowners with assistance for major repairs. Repairs can include roof
replacements; help with accessibility and HVAC replacements to name a few.
Basis for
Relative
Priority
Homeowners within the City of Mishawaka experience a cost burden and need
assistance to afford housing within the community.
4 Priority Need
Name
Public Services
Priority Level Low
Population Extremely Low
Low
Moderate
Large Families
Families with Children
Elderly
Public Housing Residents
Rural
Chronic Homelessness
Individuals
Families with Children
Mentally Ill
Chronic Substance Abuse
veterans
Persons with HIV/AIDS
Victims of Domestic Violence
Unaccompanied Youth
Elderly
Frail Elderly
Persons with Mental Disabilities
Persons with Physical Disabilities
Persons with Developmental Disabilities
Persons with Alcohol or Other Addictions
Persons with HIV/AIDS and their Families
Victims of Domestic Violence
Non-housing Community Development
Geographic
Areas
Affected
MILBURN BLVD AREA
City of Mishawaka
Consolidated Plan MISHAWAKA 222
OMB Control No: 2506-0117 (exp. 07/31/2015)
Associated
Goals
Public Services-General
Description The City along with the City of Mishawaka Redevelopment Commission provides
funding for public service sub-grantee's. We have an application process that
allows local public service organizations to apply for a piece of our CDBG
allocation to help sutain a suitable living environment for Mishawaka citizens. In
the past we have funded the Penn Township Food Pantry, the YWCA, Real
Services, and the Boys and Girls Club. We would like to continue to support
these organizations as they are vitale to our community and provide services that
we cannot offer as the City.
Basis for
Relative
Priority
We would like to continue to support these organizations as they are vitale to
our community and provide services that we cannot offer as the City.
5 Priority Need
Name
Administration
Priority Level High
Population Other
Geographic
Areas
Affected
MILBURN BLVD AREA
City of Mishawaka
Associated
Goals
Administration
Fair Houisng Activities
Description Provide funding for administrative costs with CDBG funded activities.
Basis for
Relative
Priority
Funding for administration for eligeble CDBG activities.
Narrative (Optional)
Consolidated Plan MISHAWAKA 223
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-35 Anticipated Resources - 91.420(b), 91.215(a)(4), 91.220(c)(1,2)
Introduction
The City has based its future allocation off of the 2014 CDBG amount awarded. With private dollars dwindling and project costs increasing we
would love to see an increase in funding over the 5 years associated with this plan, but understand that may be unrealistic. Our anticipated
resorces will be stretched much like the monies we have received in the past to serve the needs of the community in the most frugal way
possible.
Anticipated Resources
Program Source
of Funds
Uses of Funds Expected Amount Available Year 1 Expected
Amount
Available
Reminder
of ConPlan
$
Narrative Description
Annual
Allocation:
$
Program
Income:
$
Prior Year
Resources:
$
Total:
$
CDBG public -
federal
Acquisition
Admin and
Planning
Economic
Development
Housing
Public
Improvements
Public Services 472,520 68,000 568,775 1,109,295 1,109,295
The City feels that our annual allocation
should remain steady over the course of
the 4 year plan, however we understand
that the allocation may increase or
decrease in any given year. We have
made this estimate based on our
allocation in years past.
Table 73 - Anticipated Resources
Explain how federal funds will leverage those additional resources (private, state and local funds), including a description of how
matching requirements will be satisfied
Consolidated Plan MISHAWAKA 224
OMB Control No: 2506-0117 (exp. 07/31/2015)
Mishawaka Federal dollars will be utilized in conjunction with public infrastructure projects that are funded locally to complete curb and
sidewalk projects in the Milburn Blvd Area and throughout the city, as needed. Comparatively, the CDBG portion used will be very small
compared to the larger public infrastructure project throughout the City.
If appropriate, describe publically owned land or property located within the state that may be used to address the needs
identified in the plan
The City does own lots that have been purchased with CDBG funds in the past and it is our intent to use the buildable lots we have accumulated
in years past for builds with Habitat for Humanity prior to utilizing newly purchased lots in a best case scenario
Discussion
For the 2015 fiscal year, the City of Mishawaka will need to spend approximately $1.1 million of underspent funds from previous years, by the
end of November, almost three times the normal allocation. The City of Mishawaka calculated the amount needed to be spent in late 2014, and
thus needed to make a substantial amendment to the plan submitted to the public in September 2014.
Consolidated Plan MISHAWAKA 225
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-40 Institutional Delivery Structure - 91.415, 91.215(k)
Explain the institutional structure through which the jurisdiction will carry out its consolidated plan
including private industry, non-profit organizations, and public institutions.
Responsible Entity Responsible Entity
Type
Role Geographic Area
Served
YWCA OF NORTH
CENTRAL INDIANA
Subrecipient Homelessness
Non-homeless special
needs
Rental
Jurisdiction
REAL SERVICES Subrecipient Non-homeless special
needs
public services
Jurisdiction
South Bend Human
Rights Commission
Subrecipient Planning
BOYS AND GIRLS CLUB
OF ST. JOSEPH COUNTY
Subrecipient Homelessness
Non-homeless special
needs
public services
Jurisdiction
Mishawaka Food
Pantry Inc.
Subrecipient Homelessness
Non-homeless special
needs
public services
Jurisdiction
Table 74 - Institutional Delivery Structure
Assess of Strengths and Gaps in the Institutional Delivery System
The City of Mishawaka does not have a Community Housing and Development Organization (CHDO) that
serves the community. A CHDO organization can offer many types of affordable housing opportunities
that are currently not offered in the community such as renovation of abandoned properties for rental
or homeownership opportunities.
Habitat for Humanity of St. Joseph County is also beginning to offer occupied repair in addition to the
traditional builds. This may offer new opportunities in the coming years to provide more options for
homeowners with larger repairs and low incomes.
Availability of services targeted to homeless persons and persons with HIV and mainstream
services
Homelessness Prevention
Services
Available in the
Community
Targeted to
Homeless
Targeted to People
with HIV
Homelessness Prevention Services
Counseling/Advocacy
Consolidated Plan MISHAWAKA 226
OMB Control No: 2506-0117 (exp. 07/31/2015)
Homelessness Prevention
Services
Available in the
Community
Targeted to
Homeless
Targeted to People
with HIV
Homelessness Prevention Services
Legal Assistance
Mortgage Assistance
Rental Assistance
Utilities Assistance
Street Outreach Services
Law Enforcement
Mobile Clinics
Other Street Outreach Services
Supportive Services
Alcohol & Drug Abuse X X X
Child Care X X X
Education
Employment and Employment
Training
Healthcare
HIV/AIDS
Life Skills
Mental Health Counseling
Transportation X X
Other
Table 75 - Homeless Prevention Services Summary
Describe how the service delivery system including, but not limited to, the services listed
above meet the needs of homeless persons (particularly chronically homeless individuals and
families, families with children, veterans and their families, and unaccompanied youth)
n/a
Describe the strengths and gaps of the service delivery system for special needs population
and persons experiencing homelessness, including, but not limited to, the services listed
above
n/a
Provide a summary of the strategy for overcoming gaps in the institutional structure and
service delivery system for carrying out a strategy to address priority needs
n/a
Consolidated Plan MISHAWAKA 227
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-45 Goals - 91.415, 91.215(a)(4)
Goals Summary Information
Sort
Order
Goal Name Start
Year
End
Year
Category Geographic
Area
Needs Addressed Funding Goal Outcome Indicator
1 Spot Blight
Clearance
2015 2019 Spot Blight
Removal
MILBURN
BLVD AREA
City of
Mishawaka
Spot Blight
Elimination
CDBG:
$323,884
Other:
5 Other
2 Public
Infrastructure
2015 2019 Non-Housing
Community
Development
MILBURN
BLVD AREA
City of
Mishawaka
Public
Infrastructure
CDBG:
$409,030
Public Facility or
Infrastructure Activities for
Low/Moderate Income
Housing Benefit:
8 Households Assisted
3 Owner Occupied
Rehab
2015 2019 Affordable Housing MILBURN
BLVD AREA
City of
Mishawaka
Affordable
Housing
Assistance
CDBG:
$118,000
Homeowner Housing
Rehabilitated:
2 Household Housing Unit
4 Administration 2015 2019 Administration MILBURN
BLVD AREA
City of
Mishawaka
Administration CDBG:
$94,504
Other:
1 Other
5 Construction of
Housing
2015 2019 Affordable Housing MILBURN
BLVD AREA
City of
Mishawaka
Affordable
Housing
Assistance
CDBG: $0 Homeowner Housing Added:
10 Household Housing Unit
Consolidated Plan MISHAWAKA 228
OMB Control No: 2506-0117 (exp. 07/31/2015)
Sort
Order
Goal Name Start
Year
End
Year
Category Geographic
Area
Needs Addressed Funding Goal Outcome Indicator
6 Public Services-
General
2015 2019 Non-Housing
Community
Development
MILBURN
BLVD AREA
City of
Mishawaka
Public Services CDBG:
$63,878
Public service activities other
than Low/Moderate Income
Housing Benefit:
300 Persons Assisted
7 Direct
Homeownership
Assistance
2015 2019 Affordable Housing Affordable
Housing
Assistance
CDBG:
$25,000
Direct Financial Assistance to
Homebuyers:
2 Households Assisted
8 Fair Houisng
Activities
2015 2019 Non-Housing
Community
Development
MILBURN
BLVD AREA
City of
Mishawaka
Administration CDBG:
$7,000
Other:
1 Other
Table 76 – Goals Summary
Goal Descriptions
1 Goal Name Spot Blight Clearance
Goal
Description
This activity will purchase and demolish vacant, abandoned, blighted properties where demolition is the end result.
2 Goal Name Public Infrastructure
Goal
Description
This activity will improce accesibility by replacing or fixing curb and sidewalk throughout low-mod income areas as
needed.
3 Goal Name Owner Occupied Rehab
Goal
Description
Improve the quality of housing through owner-occupied repair programs.
Consolidated Plan MISHAWAKA 229
OMB Control No: 2506-0117 (exp. 07/31/2015)
4 Goal Name Administration
Goal
Description
Cost for staff administering CDBG and HOME.
5 Goal Name Construction of Housing
Goal
Description
Provide development subsidies for new construction of single family homes.
6 Goal Name Public Services-General
Goal
Description
Provide service activities other than low/mod income housing benefit.
7 Goal Name Direct Homeownership Assistance
Goal
Description
Provide assistance to eligible low-mod income homebuyers.
8 Goal Name Fair Houisng Activities
Goal
Description
The City of Mishawaka and the City of South Bend will partner together to further fair housing activities.
Estimate the number of extremely low-income, low-income, and moderate-income families to whom the jurisdiction will provide
affordable housing as defined by HOME 91.315(b)(2)
The City of Mishawaka plans to continue its focus on the Milburn Boulevard Area. The St. Joseph River on the North, Panama/12th Street on the
South, Ironwood Drive on the West and Union Street on the East define the Milburn Boulevard Area. This area contains Census Tracts 101 and
102 and has a population of 8,685 residents.
This neighborhood was targeted for several reasons, one of which is the documented economic need in the area. The area has a higher
unemployment rate than the City of Mishawaka. In 2011, the unemployment rate for census tract 101 was 14.96 percent and the
Consolidated Plan MISHAWAKA 230
OMB Control No: 2506-0117 (exp. 07/31/2015)
unemployment rate for census tract 102 was 9.26 percent. Both were higher than the City’s unemployment rate of 8.8 percent. Of the total
population for the area, 4,945 (56.6%) are considered low-moderate income. 19.16 percent of the population lived at or below the poverty level
in 2011.
This is also a densely populated area that is largely residential with a mixture of owner occupied homes and rental properties. The U.S. Postal
Service reported in September 2010 that 52 percent of the residential properties were vacant for 12 months prior. Yet, the homeownership
rate for the area is still much higher than the rate for the entire City, 68.47 percent for the targeted area compared to 52.82 percent for the City
of Mishawaka.
Since many of the homeowners, 29.87 percent, in the area have a high cost burden, paying more than 30 percent of their income towards
housing cost, the area is prime for housing abandonment or decline.
Consolidated Plan MISHAWAKA 231
OMB Control No: 2506-0117 (exp. 07/31/2015)
Consolidated Plan MISHAWAKA 232
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-65 Lead-based Paint Hazards - 91.415, 91.215(i)
Actions to address LBP hazards and increase access to housing without LBP hazards
The Mishawaka Department of Community Development addresses lead based paint when performing
any CDBG related homeownership activities. Any rehab work that the City has performed in the past
and that we continue to perform that is related to rehabilitation and/or demolition is subject to very
strict lead hazard requirements. The testing and clean up is handled by a certified lead inspector that we
have on staff and environmental contractors, as needed. We also share HUD's Lead Hazard
Handbook information with potential clients prior to performing any work.
The St. Joseph County Health Department’s Lead Program offers a variety of services to county
residents.
Free blood-lead tests for children 6 and under
Free blood-lead tests for pregnant women
Free lead risk assessments of housing
Free Healthy Homes assessments including indoor air assessment and safety checks
Case management of lead-poisoned children
Public trainings and educational programs
How are the actions listed above integrated into housing policies and procedures?
Any homeownership rehab or demolition is checked for lead contamination, addressed and abated as
defined by local, state, and federal guidelines. We have a certified lead inspector on staff for these
purposes.
Consolidated Plan MISHAWAKA 233
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-70 Anti-Poverty Strategy - 91.415, 91.215(j)
Jurisdiction Goals, Programs and Policies for reducing the number of Poverty-Level Families
As part of its strategic planning, the St. Joseph County Continuum of Care (CoC) has established the
following objectives:
Create new permanent housing beds for chronically homeless individuals.
Increase percentage of homeless persons staying in permanent housing over 6 months to at
least 77 percent.
Increase percentage of homeless persons moving from transitional housing to permanent
housing to at least 65 percent.
Increase percentage of persons employed at program exit to at least 20 percent.
Decrease the number of homeless households with children.
To meet these objectives, the CoC is creating goals for the next 1, 5, and 10 years.
How are the Jurisdiction poverty reducing goals, programs, and policies coordinated with this
affordable housing plan
Through regular discussion at the CoC Planning Committee, these organizations are able to implement
interagency strategies to shelter homeless persons. Examples of interagency coordination include the
city’s “Weather Amnesty” program, which creates a structure for sheltering homeless people when
weather conditions make it unsafe to remain outdoors. All of the city’s shelters participate by creating
temporary emergency housing resources during the weather amnesty. Another cooperative effort
involves the use of rental assistance dollars for homeless persons who qualify for Permanent Supportive
Housing. Regardless of which agency the person has been served by, he/she can access rental assistance
dollars administered through the Center for the Homeless. Another example of interagency approach is
Madison Center’s providing staff to do mental status assessments at the homeless shelters. If homeless
persons are assessed as having a mental illness, they are provided assistance by one of Madison Center’s
case managers or referred to other appropriate services
The CoC Planning Committee also offers a forum to share information. For example, if various homeless
service organizations are having similar difficulties working with an entitlement provider, plans are made
to meet with Social Security or Medicaid officials to try to expedite the enrollment process. The
Committee also serves as a meeting place where inter-agency problems regarding referrals,
miscommunications or perceived service breakdown can be discussed. Since most of the members of
the CoC Planning Committee are high-level administrators of their respective organizations, problem
solving can take place in an efficacious manner.
Consolidated Plan MISHAWAKA 234
OMB Control No: 2506-0117 (exp. 07/31/2015)
The City of Mishawaka has chosen to fund the YWCA, Boys and Girls Club, and Real Services which do an
extended amount of public outreach to poverty level families. Each of the organizations work with
poverty level families and below. The Mishawaka Food Pantry also provides free food and clothing to
anyone who walks through their doors, many of which claim to be homeless or living on the brink of
homelessness.
Consolidated Plan MISHAWAKA 235
OMB Control No: 2506-0117 (exp. 07/31/2015)
SP-80 Monitoring - 91.230
Describe the standards and procedures that the jurisdiction will use to monitor activities
carried out in furtherance of the plan and will use to ensure long-term compliance with
requirements of the programs involved, including minority business outreach and the
comprehensive planning requirements
Monitoring assures that recipients of federal funds are in compliance with local objectives and federal
program requirements. The intent and objective of the City is to work cooperatively with contractors
and sub-recipients in the use of federal funds as best possible and within reasonable time
constraints. Monitoring shall be an ongoing process with technical assistance available throughout the
implementation and completion of all activities undertaken.
In accordance with Part 91.230 of the Consolidated Plan regulations, the City of Mishawaka issues the
below statement of policy regarding a Monitoring Plan. This statement of policy describes the
monitoring objectives and procedures used in the monitoring process. The City will meet the overall
monitoring objective to document and ensure compliance by annually planning and conducting review
of projects and activities. Recipients deemed to be at a higher risk for non-compliance will receive an
increased level of technical assistance and oversight until the concern has been resolved.
Consolidated Plan MISHAWAKA 236
OMB Control No: 2506-0117 (exp. 07/31/2015)
Expected Resources
AP-15 Expected Resources - 91.420(b), 91.220(c)(1,2)
Introduction
The City has based its future allocation off of the 2014 CDBG amount awarded. With private dollars dwindling and project costs increasing we
would love to see an increase in funding over the 5 years associated with this plan, but understand that may be unrealistic. Our anticipated
resorces will be stretched much like the monies we have received in the past to serve the needs of the community in the most frugal way
possible.
Anticipated Resources
Program Source
of Funds
Uses of Funds Expected Amount Available Year 1 Expected
Amount
Available
Reminder
of ConPlan
$
Narrative Description
Annual
Allocation:
$
Program
Income:
$
Prior Year
Resources:
$
Total:
$
CDBG public -
federal
Acquisition
Admin and
Planning
Economic
Development
Housing
Public
Improvements
Public Services 472,520 68,000 568,775 1,109,295 1,109,295
The City feels that our annual allocation
should remain steady over the course of
the 4 year plan, however we understand
that the allocation may increase or
decrease in any given year. We have
made this estimate based on our
allocation in years past.
Table 77 - Expected Resources – Priority Table
Consolidated Plan MISHAWAKA 237
OMB Control No: 2506-0117 (exp. 07/31/2015)
Explain how federal funds will leverage those additional resources (private, state and local funds), including a description of how
matching requirements will be satisfied
Mishawaka Federal dollars will be utilized in conjunction with public infrastructure projects that are funded locally to complete curb and
sidewalk projects in the Milburn Blvd Area and throughout the city, as needed. Comparatively, the CDBG portion used will be very small
compared to the larger public infrastructure project throughout the City.
Consolidated Plan MISHAWAKA 238
OMB Control No: 2506-0117 (exp. 07/31/2015)
If appropriate, describe publically owned land or property located within the jurisdiction that
may be used to address the needs identified in the plan
The City does own lots that have been purchased with CDBG funds in the past and it is our intent to use
the buildable lots we have accumulated in years past for builds with Habitat for Humanity prior to
utilizing newly purchased lots in a best case scenario
Discussion
For the 2015 fiscal year, the City of Mishawaka will need to spend approximately $1.1 million of
underspent funds from previous years, by the end of November, almost three times the normal
allocation. The City of Mishawaka calculated the amount needed to be spent in late 2014, and thus
needed to make a substantial amendment to the plan submitted to the public in September 2014.
Consolidated Plan MISHAWAKA 239
OMB Control No: 2506-0117 (exp. 07/31/2015)
Annual Goals and Objectives
AP-20 Annual Goals and Objectives - 91.420, 91.220(c)(3)&(e)
Goals Summary Information
Sort
Order
Goal Name Start
Year
End
Year
Category Geographic
Area
Needs Addressed Funding Goal Outcome Indicator
1 Administration 2015 2019 Administration MILBURN
BLVD AREA
City of
Mishawaka
Administration CDBG:
$94,504
Other: 1 Other
2 Direct
Homeownership
Assistance
2015 2019 Affordable Housing MILBURN
BLVD AREA
City of
Mishawaka
Affordable
Housing
Assistance
CDBG:
$25,000
Homeowner Housing
Rehabilitated: 2 Household
Housing Unit
3 Public
Infrastructure
2015 2019 Non-Housing
Community
Development
MILBURN
BLVD AREA
City of
Mishawaka
Public
Infrastructure
CDBG:
$409,030
Public Facility or Infrastructure
Activities for Low/Moderate
Income Housing Benefit: 4
Households Assisted
4 Owner Occupied
Rehab
2015 2019 Affordable Housing MILBURN
BLVD AREA
City of
Mishawaka
Affordable
Housing
Assistance
CDBG:
$118,000
Homeowner Housing
Rehabilitated: 12 Household
Housing Unit
5 Spot Blight
Clearance
2015 2019 Spot Blight
Removal
MILBURN
BLVD AREA
City of
Mishawaka
Spot Blight
Elimination
CDBG:
$323,884
Buildings Demolished: 1
Buildings
Consolidated Plan MISHAWAKA 240
OMB Control No: 2506-0117 (exp. 07/31/2015)
Sort
Order
Goal Name Start
Year
End
Year
Category Geographic
Area
Needs Addressed Funding Goal Outcome Indicator
6 Fair Houisng
Activities
2015 2019 Non-Housing
Community
Development
MILBURN
BLVD AREA
City of
Mishawaka
Administration CDBG:
$10,000
Other: 1 Other
7 Public Services-
General
2015 2019 Non-Housing
Community
Development
MILBURN
BLVD AREA
City of
Mishawaka
Public Services CDBG:
$70,878
Public service activities other
than Low/Moderate Income
Housing Benefit: 7000 Persons
Assisted
Table 78 – Goals Summary
Goal Descriptions
1 Goal Name Administration
Goal
Description
Costs for administrating the CDBG Program.
2 Goal Name Direct Homeownership Assistance
Goal
Description
Fund the cost for the self-sufficiency program.
3 Goal Name Public Infrastructure
Goal
Description
Fund public works inprovement projects including curbs, sidewalks and street improvemnts in the Milburn Blvd.
neighborhood and within the City of Mishawaka.
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OMB Control No: 2506-0117 (exp. 07/31/2015)
4 Goal Name Owner Occupied Rehab
Goal
Description
Provide assistance for home repairs to eligible low-mod income homeowners.
5 Goal Name Spot Blight Clearance
Goal
Description
Fund acquisition, enviormental needs and demolition of blighted structures within the City of Mishawaka.
6 Goal Name Fair Houisng Activities
Goal
Description
The City of Mishawaka and the City of South Bend will partner together to further fair housing activities.
7 Goal Name Public Services-General
Goal
Description
Subsidize the operation of programs to benefit low-mod income familites.
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AP-35 Projects - 91.420, 91.220(d)
Introduction
The City of Mishawaka will complete the following projects in 2015. Awards for these projects are
subject to change form the public comment period and approval by the City of Mishawaka's
Redevelopment Commission.
# Project Name
14 Real Services-Weatherization
15 Spot Blight Elimination Program/demo & clearance
16 Public Infrastructure - Curbs, Streets, Sidewalks
17 Summer of Service Program
18 Self Sufficiency Homeownership Program
19 YWCA - Domestic Violence Shelter
20 Real Services - Adult Crime Victim Program
21 Mishawaka Food Pantry
22 Real Service - Adult Guardianship Program
23 Boys and Girls Club After School Program
24 South Bend Human Rights Commission - Fair Housing Workshop
25 South Bend Human Rights Commission - Affirmative Fair Housing
26 SB Comm & ED Administration
27 Administration
Table 79 – Project Information
Describe the reasons for allocation priorities and any obstacles to addressing underserved
needs
The City of Mishawaka will begin an owner occupied repair program in 2015 to offer low and moderate-
income homeowners with much needed repairs. Referrals will come from the Real Services
weatherization program and the Department of Code Enforcement.
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AP-38 Project Summary
Project Summary Information
1 Project Name Real Services-Weatherization
Target Area City of Mishawaka
Goals Supported Owner Occupied Rehab
Needs Addressed Public Services
Funding :
Description To make the home safe and more energy efficient. Through testing, real services auditor can
determine what work is needed in the home and potentially install a new furnace, hot water
heater and/ or blow insulation into the walls and attic.
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
10
Location Description City of Mishawaka
Planned Activities To make the home safe and more energy efficient. Through testing, real services auditor can
determine what work is needed in the home and potentially install a new furnace, hot water
heater and/ or blow insulation into the walls and attic.
2 Project Name Spot Blight Elimination Program/demo & clearance
Target Area MILBURN BLVD AREA
City of Mishawaka
Goals Supported Spot Blight Clearance
Consolidated Plan MISHAWAKA 244
OMB Control No: 2506-0117 (exp. 07/31/2015)
Needs Addressed Spot Blight Elimination
Funding :
Description Spot Blight Elimination - Demo/Clearance
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
8
Location Description City of Mishawaka
Planned Activities Clearance and demolition of unsafe sites, spot blight elimination/ demolition.
3 Project Name Public Infrastructure - Curbs, Streets, Sidewalks
Target Area MILBURN BLVD AREA
City of Mishawaka
Goals Supported Public Infrastructure
Needs Addressed Public Infrastructure
Funding :
Description Public Infrastructure - Curbs, streets,sidewalks
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
Location Description City of Mishawaka
Planned Activities
Project Name Summer of Service Program
Consolidated Plan MISHAWAKA 245
OMB Control No: 2506-0117 (exp. 07/31/2015)
4 Target Area MILBURN BLVD AREA
City of Mishawaka
Goals Supported Direct Homeownership Assistance
Needs Addressed Affordable Housing Assistance
Funding :
Description Summer of Service Program
Target Date
Estimate the number and type of
families that will benefit from the
proposed activities
2
Location Description City of Mishawaka
Planned Activities Assist homeowners with minor repairs
5 Project Name Self Sufficiency Homeownership Program
Target Area MILBURN BLVD AREA
City of Mishawaka
Goals Supported Direct Homeownership Assistance
Needs Addressed Affordable Housing Assistance
Funding :
Description assist individuals in preparing them to become homeowners.
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
2
Consolidated Plan MISHAWAKA 246
OMB Control No: 2506-0117 (exp. 07/31/2015)
Location Description 313 w. 8th and 718 w. 7th
Planned Activities Assist individuals in preparing them to become homeowners
6 Project Name YWCA - Domestic Violence Shelter
Target Area City of Mishawaka
Goals Supported Public Services-General
Needs Addressed Public Services
Funding :
Description Domestic Violence Shelter
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
10
Location Description
Planned Activities Accessibility to a safe emergency place to stay at any time.
7 Project Name Real Services - Adult Crime Victim Program
Target Area City of Mishawaka
Goals Supported Public Services-General
Needs Addressed Public Services
Funding :
Description Provide residents age 60+ counseling, advocacy, referrals, and crime prevention information to
victims.
Target Date 12/31/2015
Consolidated Plan MISHAWAKA 247
OMB Control No: 2506-0117 (exp. 07/31/2015)
Estimate the number and type of
families that will benefit from the
proposed activities
60+
Location Description city of Mishawaka
Planned Activities provide residents age 60+ counseling, advocacy, referrals, and crime prevention information to
victims.
8 Project Name Mishawaka Food Pantry
Target Area City of Mishawaka
Goals Supported Public Services-General
Needs Addressed Public Services
Funding :
Description Program provides individuals and families with food, showers, clothing and services, to promote
self-sufficiency.
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
2400
Location Description City of Mishawaka
Planned Activities program provides individuals and families with food, showers, clothing, and services to promote
self-sufficiency.
9 Project Name Real Service - Adult Guardianship Program
Target Area City of Mishawaka
Goals Supported Public Services-General
Needs Addressed Public Services
Consolidated Plan MISHAWAKA 248
OMB Control No: 2506-0117 (exp. 07/31/2015)
Funding :
Description Adult Guardianship Program
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
3
Location Description City of Mishawaka
Planned Activities Ensure a safe and suitable living enviorment for vulnerable adults.
10 Project Name Boys and Girls Club After School Program
Target Area City of Mishawaka
Goals Supported Public Services-General
Needs Addressed Public Services
Funding :
Description After School Program
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
800
Location Description City of Mishawaka
Planned Activities Provide assistance for case manangement and support services to youth.
11 Project Name South Bend Human Rights Commission - Fair Housing Workshop
Target Area City of Mishawaka
Goals Supported Fair Houisng Activities
Consolidated Plan MISHAWAKA 249
OMB Control No: 2506-0117 (exp. 07/31/2015)
Needs Addressed Public Services
Funding :
Description Fair Housing Workshop
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
Location Description 319 n. Niles ave, South Bend, IN 46617
Planned Activities
12 Project Name South Bend Human Rights Commission - Affirmative Fair Housing
Target Area City of Mishawaka
Goals Supported Fair Houisng Activities
Needs Addressed Public Services
Funding :
Description Affirmative Fair Housing
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
Location Description
Planned Activities
13 Project Name SB Comm & ED Administration
Target Area City of Mishawaka
Consolidated Plan MISHAWAKA 250
OMB Control No: 2506-0117 (exp. 07/31/2015)
Goals Supported Administration
Needs Addressed Administration
Funding :
Description South Bend Admin/Planning & Support
Target Date
Estimate the number and type of
families that will benefit from the
proposed activities
Location Description
Planned Activities
14 Project Name Administration
Target Area City of Mishawaka
Goals Supported Administration
Needs Addressed Administration
Funding :
Description Provide administration assistance.
Target Date 12/31/2015
Estimate the number and type of
families that will benefit from the
proposed activities
Location Description
Planned Activities
Consolidated Plan MISHAWAKA 251
OMB Control No: 2506-0117 (exp. 07/31/2015)
AP-50 Geographic Distribution - 91.420, 91.220(f)
Description of the geographic areas of the entitlement (including areas of low-income and
minority concentration) where assistance will be directed
The City of Mishawaka plans to continue its focus on the Milburn Boulevard Area. The St. Joseph River
on the North, Panama/12th Street on the South, Ironwood Drive on the West and Union Street on the
East define the Milburn Boulevard Area. This area contains Census Tracts 101 and 102 and has a
population of 8,685 residents.
Geographic Distribution
Target Area Percentage of Funds
MILBURN BLVD AREA 40
Table 80 - Geographic Distribution
Rationale for the priorities for allocating investments geographically
This neighborhood was targeted for several reasons, one of which is the documented economic need in
the area. The area has a higher unemployment rate than the City of Mishawaka. In 2011, the
unemployment rate for census tract 101 was 14.96 percent and the unemployment rate for census tract
102 was 9.26 percent. Both were higher than the City’s unemployment rate of 8.8 percent. Of the total
population for the area, 4,945 (56.6%) are considered low-moderate income. 19.16 percent of the
population lived at or below the poverty level in 2011.
Discussion
See discussion above.
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AP-85 Other Actions - 91.420, 91.220(k)
Introduction
The City of Mishawaka will utilize the Community Development Block Grant to address the general
community development needs. The primary use of these funds will be to help the economic recovery
of the area and to upgrade infrastructure in the community. The following are goals and strategies to
address the general community development needs.
Actions planned to address obstacles to meeting underserved needs
As part of its strategic planning, the St. Joseph County Continuum of Care (CoC) has established the
following objectives:
Create new permanent housing beds for chronically homeless individuals.
Increase percentage of homeless persons staying in permanent housing over 6 months to at
least 77 percent.
Increase percentage of homeless persons moving from transitional housing to permanent
housing to at least 65 percent.
Increase percentage of persons employed at program exit to at least 20 percent.
Decrease the number of homeless households with children.
To meet these objectives, the CoC is creating goals for the next 1, 5, and 10 years.
Actions planned to foster and maintain affordable housing
Support economic development efforts that improve employment prospects for low and moderate-
income individuals.
Development and investment in low-income areas is encouraged. Low-income households continue to
be referred to budget and housing counseling programs to assist them to make positive monetary
decisions and build wealth.
Actions planned to reduce lead-based paint hazards
The Mishawaka Department of Community Development addresses lead based paint when performing
any CDBG related homeownership activities. Any rehab work that the City has performed in the past
and that we continue to perform that is related to rehabilitation and/or demolition is subject to very
strict lead hazard requirements. The testing and clean up is handled by a certified lead inspector that we
have on staff and environmental contractors, as needed. We also share HUD's Lead Hazard
Handbook information with potential clients prior to performing any work.
The St. Joseph County Health Department’s Lead Program offers a variety of services to county
Consolidated Plan MISHAWAKA 253
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residents, including:
Free blood-lead tests for children 6 and under
Free blood-lead tests for pregnant women
Free lead risk assessments of housing
Free Healthy Homes assessments including indoor air assessment and safety checks
Case management of lead-poisoned children
Public trainings and educational programs
Actions planned to reduce the number of poverty-level families
Support for the development efforts that improve employment prospects for low and moderate income
individuals is on-going.
Actions planned to develop institutional structure
The South Bend Human Rights Commission could become a county-wide agency. The City of Mishawaka
engaged the services of an intern from Michigan State University’s James Madison College of Public
affairs to conduct preliminary research on a possible collaboration between South Bend and
Mishawaka. A county-wide agency would provide local access for all residents who need to ask
questions or file complaints about fair housing.
Actions planned to enhance coordination between public and private housing and social
service agencies
n/a
Discussion
n/a
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Program Specific Requirements
AP-90 Program Specific Requirements - 91.420, 91.220(l)(1,2,4)
Introduction
The City of Mishawaka expects to receive $470,458 based on the previous years’ funding and HUD
estimates. This is based on a funding history over the past five years, particularly the 2013 fiscal year
funding levels. Funding for the 2014 fiscal year will depend on passage of a full year appropriation to
the U.S. Department of Housing and Urban Development (HUD) by the U.S. Congress. Overall, since the
beginning of the Consolidated Planning period in 2010, the funding has decreased by 20.7 percent. That
is a typical decrease and common among other entitlement cities located in the State of Indiana.
Community Development Block Grant Program (CDBG)
Reference 24 CFR 91.220(l)(1)
Projects planned with all CDBG funds expected to be available during the year are identified in the
Projects Table. The following identifies program income that is available for use that is included in
projects to be carried out.
1. The total amount of program income that will have been received before the start of the
next program year and that has not yet been reprogrammed 65,000
2. The amount of proceeds from section 108 loan guarantees that will be used during the
year to address the priority needs and specific objectives identified in the grantee's strategic
plan. 0
3. The amount of surplus funds from urban renewal settlements 0
4. The amount of any grant funds returned to the line of credit for which the planned use
has not been included in a prior statement or plan 0
5. The amount of income from float-funded activities 0
Total Program Income: 65,000
Other CDBG Requirements
1. The amount of urgent need activities 0
2. The estimated percentage of CDBG funds that will be used for activities that
benefit persons of low and moderate income.Overall Benefit - A consecutive period
of one, two or three years may be used to determine that a minimum overall
benefit of 70% of CDBG funds is used to benefit persons of low and moderate
income. Specify the years covered that include this Annual Action Plan. 100.00%
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Discussion
The City of Mishawaka will certify a low moderate-income benefit over a three-year period, 2013, 2014
and 2015. Because the previous two years had such high levels of spending for low to moderate-income
activities, the City of Mishawaka will utilize more CDBG funding to address blighted properties in the
community. Over the three-year certification period, the City of Mishawaka will have spent 70 percent
of its allocation towards activities benefit low and moderate-income persons.
Consolidated Plan MISHAWAKA 256
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Appendix - Alternate/Local Data Sources