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Escambia County

Alternative #1: Overview of Need Summary Indicator

As a summary indicator of local affordable housing need, the Florida Housing Data Clearinghouse can provide the number of households that are low-income (incomes below 80% of area median) and severely cost-burdened (paying 50% or more for mortgage costs or rent) for each county and jurisdiction. The Clearinghouse provides estimates and projections of the number of these households by tenure for the years 2013-2040.

This indicator encompasses a broad range of households likely experiencing distress because of their housing costs. With their low incomes, the large portion of income taken up by housing costs is likely to limit these households' ability to afford other necessities.

Moreover, the 80% of median income figure is a traditional measure of eligibility for programmatic housing assistance. For example, all beneficiaries of the federal public housing program and federal HOME program must have incomes below this amount.

The need indicator can serve as an approximation of the total number of households that would benefit from some type of housing assistance, particularly if homeless and migrant households are added. Such assistance could include the construction of new affordable housing units, but it could also include the provision of subsidies to make current units more affordable.

In addition to this summary level of information, we believe a more detailed understanding of the presence of low-income and cost-burdened households can help local governments plan for and target assistance. The following discusses supplemental tables that provide this additional level of detail.

Note, however, that the number does not include homeless individuals and families, as they are not included in household enumerations. It also does not include many migrant farmworker households, missed by Census counts.

AHNA Affordable Housing Need Summary 2010-2040
Number of severely cost burdened (50%+) households with income less than 80% AMI by tenure
Place Tenure 2010 2016 2020 2025 2030 20352040
Escambia Owner 7882 8451 8758 8977 9190 9398 9525
Escambia Renter 10965 11346 11546 11754 11931 12093 12265
Notes:  Click here to get household projections by tenure, age of householder, income, and cost burden.
Sources:   Not Available.

Alternative #2: Detailed Need Tables

While the summary indicator can provide a measure of overall housing need, targeting housing assistance appropriately requires more detail about income variation within the total number of low-income, severely cost-burdened households, for two reasons:

1) If needs are to be addressed through construction of new units, income variation within low-income households means that not all new rent- or price-restricted units will be affordable to all households. For example, a household at 30% AMI would still pay more than half of its income for rent in an apartment with rent set for households with incomes of 60% AMI.

2) A number of housing programs, such as the Low Income Housing Tax Credit and, in most cases, Section 8 Housing Vouchers, set income limits below 80% of area median.

Therefore, we can also provide supplemental tables with more detail on the income categories that make up the summary need indicator.

Affordable housing Need Detail 2010-2040. Number of severely cost burdened(50%+) households with income less than 80% AMI by tenure and income level
Tenure: Owner
Place Household Income as % of AMI 2010 2016 2020 2025 2030 20352040
Escambia 30% AMI or less 4043 4311 4442 4523 4615 4734 4810
Escambia 30.1-50% AMI 2149 2312 2409 2494 2567 2622 2654
Escambia 50.1-80% AMI 1690 1828 1907 1960 2008 2042 2061
Escambia Total below 80% AMI 7882 8451 8758 8977 9190 9398 9525
Notes:  Click here to get household projections by tenure, age of householder, income, and cost burden.
Sources:   Not Available.

Affordable housing Need Detail 2010-2040. Number of severely cost burdened (50%+) households with income less than 80% AMI by tenure and income level
Tenure: Renter
Place Household Income as % of AMI 2010 2016 2020 2025 2030 20352040
Escambia 30% AMI or less 6798 6997 7092 7170 7243 7338 7450
Escambia 30.1-50% AMI 3442 3589 3673 3774 3853 3907 3954
Escambia 50.1-80% AMI 725 760 781 810 835 848 861
Escambia Total below 80% AMI 10965 11346 11546 11754 11931 12093 12265
Notes:  Click here to get household projections by tenure, age of householder, income, and cost burden.
Sources:   Not Available.

Projected Increase in Cost-Burdened Households

Another table that might be useful in planning is the projected increase in severely cost-burdened, low-income households over multi-year periods. Governments could choose to seek construction of units to meet this growth in low-income households that would not be able to afford housing without assistance. While this would not address the existing need, it would keep the affordable housing shortage from worsening.

Growth in severely cost burdened (50%+) households with income less than 80% AMI by tenure and income level
Tenure: Owner
Place Household Income as % of AMI 2010-2016 2016-2020 2020-2025 2025-2030 2030-2035 2035-2040Total
Escambia 30% AMI or less 220 146 71 78 107 66 468
Escambia 30.1-50% AMI 133 109 78 68 46 28 329
Escambia 50.1-80% AMI 112 91 48 41 30 15 225
Escambia Total below 80% AMI 465 346 197 187 183 109 1022
Notes:  Click here to get household projections by tenure, age of householder, income, and cost burden.
Sources:   Not Available.

Growth in severely cost burdened (50%+) households with income less than 80% AMI by tenure and income level
Tenure: Renter
Place Household Income as % of AMI 2010-2016 2016-2020 2020-2025 2025-2030 2030-2035 2035-2040Total
Escambia 30% AMI or less 146 94 62 47 66 79 348
Escambia 30.1-50% AMI 110 91 87 67 37 32 314
Escambia 50.1-80% AMI 26 25 26 19 13 10 93
Escambia Total below 80% AMI 282 210 175 133 116 121 755
Notes:  Click here to get household projections by tenure, age of householder, income, and cost burden.
Sources:   Not Available.

Conclusion

The initial AHNA needs summary figure (Alternative #1) of all low-income, severely cost-burdened households provides one measure of affordable housing needs in a local community. With additional data, however, county and local governments can make more informed decisions about housing assistance needs and programs. Projections of future increases in severely cost-burdened households and construction needs can guide cities and counties in preventing growth in the local affordable housing need. More detailed information about income can help counties and cities find ways to address the existing need with the various state and federal housing programs designed to serve particular income levels.