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CDBG Fiscal Year 2021-2025 Consolidated Plan / Annual Action Plan_HearingCity of Dubuque ITEM TITLE: SUMMARY: SUGGESTED DISPOSITION: Copyrighted February 26, 2020 Public Hearings # 1. Community Development Block Grant Consolidated Plan, Annual Action Plan, and Analysis of Impediments to Fair Housing Proof of publication on notice of public hearing to consider approval of a resolution adopting the FY2021-2025 Consolidated Plan, the FY 2021 Annual Action Plan and the Analysis of Impediments to Fair Housing, and the City Manager recommending approval. Staff will provide a brief presentation. RESOLUTION Adopting the FY2021-2025 Consolidated Plan for Community Development Block Grant; Authorizing the Mayor to execute said Plan and all necessary certifications; designating the City Manager as the authorized Chief Executive Officer for the Consolidated Plan; and directing that said Plan be submitted to the U.S. Department Of Housing And Urban Development Suggested Disposition: Receive and File; Adopt Resolution(s) ATTACHMENTS: Description FY 2021-2025 CDBG Consolidated Plan and Adoption of FY 2021 Annual Action Plan-MVM Memo Staff Memo Resolution Approving Plan Summary Handout Consolidated Plan Analysis of Impediments to Fair Housing FY 2021 Annual Action Plan Administrative and Public Service Caps FY 2021 Presentation - UPDATED 2/26/20 Proof of Publication Type City Manager Memo Staff Memo Resolutions Supporting Documentation Supporting Documentation Supporting Documentation Supporting Documentation Supporting Documentation Supporting Documentation Supporting Documentation Masterpiece on the Mississippi TO: The Honorable Mayor and City Council Members FROM: Michael C. Van Milligen, City Manager Dubuque bitil All-A.aia City 111111 2007.2012.2013 2017*2019 SUBJECT: FY 2021-2025 Community Development Block Grant Consolidated Plan and Adoption of the FY 2021 Annual Action Plan DATE: February 20, 2020 Housing and Community Development Director Alexis Steger recommends City Council approval of a resolution adopting the FY 2021-2025 Consolidated Plan, the FY 2021 Annual Action Plan and the Analysis of Impediments to Fair Housing. I concur with the recommendation and respectfully request Mayor and City Council approval. Mic ael C. Van Milligen MCVM:jh Attachment cc: Crenna Brumwell, City Attorney Teri Goodmann, Assistant City Manager Cori Burbach, Assistant City Manager Alexis Steger, Housing & Community Development Director Masterpiece on the Mississippi TO: Michael Van Milligen, City Manager FROM: Alexis Steger, Housing & Community Development Director DATE: February 19, 2020 Dubuque Ittebni IIII•Merisa City V.LI:tNWL� RI, I I N 111111 2007.2012.2013 2017*2019 RE: FY 2021-2025 Community Development Block Grant Consolidated Plan and adoption of the FY 2021 Annual Action Plan Introduction This memorandum transmits the resolutions adopting the attached FY2021-2025 Consolidated Plan, the FY 2021 Annual Action Plan, and the Analysis of Impediments to Fair Housing. The Consolidated Plan, Annual Action Plan, and the Analysis of Impediments were reviewed during the February 4, 2020 City Council meeting. City Council will hold a public hearing for the Consolidated Plan, FY 2021 Annual Action Plan and the Analysis of Impediments to Fair Housing (Plans), and approve those documents in conjunction with the Housing & Community Development Department's annual budget presentation, on February 26, 2020. FY 2021-2025 Consolidated Plan and FY 2021 Annual Action Plan The Consolidated Plan is required by the U.S. Department of Housing and Urban Development (HUD) for communities receiving Community Development Block Grant (CDBG) and certain other federal grants. It is a five-year plan that is designed to be a collaborative process for a community to establish a unified vision for housing and community development actions. The Community Development Advisory Commission reviewed the Consolidated Plan at a public hearing on December 18, 2019 and again on January 15, 2020, and approved the Plans on February 20, 2020 for City Council adoption. The Consolidated Plan was developed after an analysis of HUD Comprehensive Housing Affordability Strategy (CHAS) data, local data, a local survey of needs assessment, Census data and a study of the barriers to fair housing, which resulted in the Analysis of Impediments to Fair Housing, included as an appendix to the Consolidated Plan. The Consolidated Plan contains a section dedicated to the first year of the five-year plan for the use of CDBG funds as the FY 2021 Annual Action Plan. Analysis of Impediments to Fair Housing HUD requires the City of Dubuque to conduct an Analysis of Impediments to Fair Housing (Al) in conjunction with the Consolidated Plan to ensure that local communities are partners in affirmatively furthering fair housing. The Al identifies impediments and proposes a fair housing action plan to eliminate these impediments. The Analysis of Impediments is included in the appendix of the Consolidated Plan. RECOMMENDED ACTION I respectfully recommend the City Council approve the attached resolution adopting the FY 2021-2025 Consolidated Plan, the FY 2021 Annual Action Plan and the Analysis of Impediments to Fair Housing. 2 Prepared by Alexis Steger, Housing & Community Devel., 350 W. 6th St., Suite 312, Telephone: 563-690-6072 Return to: Kevin Firnstahl, City Clerk Address: City Hall- 50 W. 13th St Telephone: (563) 589-4100 RESOLUTION NO. 63-20 ADOPTING THE FY 2021-2025 CONSOLIDATED PLAN FOR COMMUNITY DEVELOPMENT BLOCK GRANT; AUTHORIZING THE MAYOR TO EXECUTE SAID PLAN AND ALL NECESSARY CERTIFICATIONS; DESIGNATING THE CITY MANAGER AS THE AUTHORIZED CHIEF EXECUTIVE OFFICER FOR THE CONSOLIDATED PLAN; AND DIRECTING THAT SAID PLAN BE SUBMTITED TO THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT Whereas, the U.S. Department of Housing and Urban Development requires each entitlement city to submit a Consolidated Plan for Housing and Community Development, including the proposed use of its Community Development Block Grant funds at least 45 days prior to its program year; and Whereas, the City of Dubuque has, through a series of public meetings and hearings, finalized a Consolidated Plan addressing both housing and non -housing needs in the community; and Whereas, copies of the draft FY 2021-2025 Consolidated Plan (Program Year 2020- 2024) for Housing and Community Development have been available for public comment 30 days prior to City Council action; and Whereas, the Housing Commission has reviewed the Analysis of Impediments to Fair Housing as part of the FY 2021-2025 Consolidated Plan and recommended adoption of the Plan; and Whereas, City Council has held a public hearing on the FY 2021-2025 Consolidated Plan and the FY 2021 Annual Action Plan, the first year of the FY 2021-2025 Consolidated Plan (Program Year 2020-2024) for Housing and Community Development on February 26, 2020; and Whereas, the Community Development Advisory Commission has held a public hearing on the proposed plan on December 18, 2019 and approved the FY 2021-2025 Consolidated Plan (Program Year 2020-2025) for Housing and Community Development on February 20, 2020; and NOW, THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF DUBUQUE, IOWA: Section 1. That the City of Dubuque FY 2021-2025 Consolidated Plan (Program Year 2020-2024) for Housing and Community Development is hereby approved and adopted. Section 2. That the City Council authorizes the Mayor to sign the document on behalf of the City of Dubuque, Iowa; directs the Mayor to provide all the necessary certifications required by the U.S. Department of Housing and Urban Development; designates the City Manager as the authorized Chief Executive Officer for said Consolidated Plan; and further directs the City Manager to submit said Consolidated Plan to the U.S. Department of Housing and Urban Development. Passed, approved and adopted this 26th day of February 2020. Roy D. Buol, Mayor Attest: Kevi .S Firnstahl, City Jerk 0,(MENTpF uN * IIIIIIII ga4N DEVS U.S. Department of Housing and Urban Development 451 Seventh Street, SW Washington, DC 20410 www.hud.gov espanol.hud.gov Tiered Environment Review for Activity/Project that is Categorically Excluded Subject to Section 58.5 Pursuant to 24 CFR 58.35(a) Project Information Project Name: Community-Development-Block-Grant-FY-2021-Annual-Action-Plan HERS Number: 900000010145647 State / Local Identifier: Project Location: Dubuque, IA 52001 Additional Location Information: Housing activities must occur within the City of Dubuque. Site specific reviews will be completed for individual activity sites. The attached map shows the geographic boundaries of Dubuque, as well as the !ow and moderate income residential areas. Activities will be scattered sites and individual project sites will typically be less than 1/8 square mile. Description of the Proposed Project [24 CFR 50.12 & 58.32; 40 CFR 1508.25]: First -Time Homebuyer Program provides loans to assist low and moderate -income families purchasing their first home. Funds are used to cover the "Entry Costs" of home ownership, including down payment assistance and closing costs. Homeowner Rehabilitation offers low interest loans for the rehab of substandard housing units and repairs to the exterior or interior of the home. Purchase/Rehab/Resale are properties that are purchased by the City, rehabilitated, and sold to low to moderate -income home buyers. Rental Unit Rehabilitation is a range of programs to assist in the rehabilitation of rental units, including rental rehab loan program and accessibility rehab loan program to provide tenants forgivable loans for accessibility improvements to increase housing choice. Neighborhood infrastructure improvements are a range of programs to improve the physical environment in low and moderate -income neighborhoods, including neighborhood street overlays - a pavement overlay program, neighborhood sidewalk program - a program that pays a portion of the cost to repair public sidewalks for low and moderate income homeowners, Park Improvements, Bus Stop ADA upgrades, and Tree Removal. Neighborhood Recreation Program includes enhanced recreation programs offered in low- and moderate -income neighborhoods and/or to low- and moderate -income youth and families to meet the needs of at -risk youth, promote self-esteem and build community. Neighborhood Support Grants provide resources for organized neighborhoods in low- and moderate -income areas to encourage self -initiated revitalization efforts including physical improvements, clean-ups, and other special projects. Zoning Inspection/Enforcement provide enhanced inspection/enforcement services in low- and moderate -income residential areas for zoning ordinance infractions and to support neighborhood clean-up efforts. Purchase of Services provide funding to support Community -Development- Dubuque, IA 900000010145647 Block -Grant- FY-2 0 21-A n n u a l- Action-Plan local non-profit organizations meeting the needs of low- and moderate -income households or individuals in Dubuque. Lead hazard Control Program provides activities in support of efforts to combat lead -based paint hazards in housing, including testing, remediation, and abatement activities with forgivable loans to benefit income eligible households. Housing Rehabilitation Services and Staff includes program management, technical assistance, loan packaging and inspection for the city's rehabilitation program. Housing Planning/Administrative Services and Staff provides on -going staff support for general housing planning activities, including the housing needs assessment and department administration. CDBG Administration Services and Staff provides staff support for general management, oversight and coordination of the Community Development Block Grant program; assures compliance with federal regulations and report requirements. Level of Environment Review Determination: Categorically Excluded per 24 CFR 58.35(a), and subject to laws and authorities at §58.5: 58.35(a)(1) 58.35(a)(2) 58.35(a)(3) 58.35(a)(4) 58.35(a)(5) 58.35(a)(6) Funding Information Grant Number HUD Program Program Name Funding Amount B17MC19004 Community Planning and Development (CPD) Community Development Block Grants (CDBG) (Entitlement) B18MC19004 Community Planning and Development (CPD) Community Development Block Grants (CDBG) (Entitlement) B19MC19004 Community Planning and Development (CPD) Community Development Block Grants (CDBG) (Entitlement) B20MC19004 Community Planning and Development (CPD) Community Development Block Grants (CDBG) (Entitlement) Estimated Total HUD Funded Amount: $2,097,564.00 Estimated Total Project Cost [24 CFR 58.2 (a) (5)]: $2,725,443.00 Mitigation Measures and Conditions [40 CFR 1505.2(c)1: Consult the completed environmental review record for information on the mitigation measures adopted by the Responsible Entity to reduce, avoid, or eliminate adverse environmental impacts and to avoid non-compliance or non-conformance with the above -listed authorities and factors. These measures/conditions must be incorporated into project contracts, development agreements and other relevant documents. The staff responsible for implementing and monitoring mitigation measures should be clearly identified. Determination: 10/14/2020 15:36 Page 2 of 3 Community -Development- Dubuque, IA 900000010145647 Block-Grant-FY-2021-An n ua l- Action-Plan Extraordinary circumstances exist and this project may result in significant environmental impact. This project requires preparation of an Environmental Assessment (EA) ; OR There are no extraordinary circumstances which would require completion of an EA, and this project may remain CEST. Preparer Signature: Cc tk^ Date: t Name / Title/ Organization: Christopher Lester / / D UQUE es onsible Entity Agency Official Signature: Responsible g Y Name/ Title: Roy D. Buo l , Mayor Date: 10/22/20 This original, signed document and related supporting material must be retained on file by the Responsible Entity in an Environment Review Record (ERR) for the activity / project (ref: 24 CFR Part 58.38) and in accordance with recordkeeping requirements for the HUD program(s). 10/14/2020 15:36 Page 3 of 3 U.S. Department of Housing and Urban Development 451 Seventh Street, SW Washington, DC 20410 www.hud.qov espanol.hud.gov Environmental Review for Activity/Project that is Categorically Excluded Subject to Section 58.5 Pursuant to 24 CFR 58.35(a) Project Information Project Name: 2020-Sunnyview-Dr-Sidewalk-Replacement HEROS Number: 900000010145474 State / Local Identifier: Project Location: 2020 Sunnyview Dr, Dubuque, IA 52001 Additional Location Information: N/A Description of the Proposed Project [24 CFR 50.12 & 58.32; 40 CFR 1508.25): This project includes the removal and replacement of the existing sidewalk located along the east side of the property at 2020 Sunnyview Dr in Dubuque, IA. The existing sidewalk does not provide adequate drainage away from the property and causes inundation of the property owners air conditioning unit. This project will consist of breaking up and removing the existing sidewalk and pouring a new sidewalk with adequate drainage. This project will not require ground disturbance as it is a replacement project. This project will also not affect the exterior or interior of the property located at the above address. Level of Environment Review Determination: Categorically Excluded per 24 CFR 58.35(a), and subject to laws and authorities at §58.5: 58.34(a)(12) 58.35(a)(1) Funding Information Grant Number HUD Program Program Name 2602776 Community Planning and Development (CPD) Community Development Block Grants (CDBG) (Entitlement) Estimated Total HUD Funded Amount: $5,000.00 Estimated Tot4I Project Cost [24 CFR 58.2 (a) (5)]: $5,000.00 Mitigation Measures and Conditions [CFR 1505.2(c)): 2020-Sunnyview-Dr-Sidewalk- Replacement Dubuque, IA 900000010145474 Summarized below are all mitigation measures adopted by the Responsible Entity to reduce, avoid or eliminate adverse environmental impacts and to avoid non-compliance or non-conformance with the above -listed authorities and factors. These measures/conditions must be incorporated into project contracts, development agreements and other relevant documents. The staff responsible for implementing and monitoring mitigation measures should be clearly identified in the mitigation plan. Law, Authority, or Mitigation Measure or Condition Comments on Completed Measures Complete Factor Determination: This categorically excluded activity/project converts to EXEMPT per Section 58.34(a)(12), because it does not require any mitigation for compliance with any listed statutes or authorities, nor requires any formal permit or license; Funds may be committed and drawn down after certification of this part for this (now) EXEMPT project; OR This categorically excluded activity/project cannot convert to Exempt status because one or more statutes or authorities listed at Section 58.5 requires formal consultation or mitigation. Complete consultation/mitigation protocol requirements, publish NOI/RROF and obtain "Authority to Use Grant Funds" (HUD 7015.16) per Section 58.70 and 58.71 before committing or drawing down any funds; OR This project is not categorically excluded OR, if originally categorically excluded, is now subject to a full Environmental Assessment according to Part 58 Subpart E due to extraordinary circumstances (Section 58.35(c)). Preparer Signature: C4.4 Name / Title/ Organization: Christopher Lester / / D J BUQUE Responsible Entity Agency Official Signature: Date: `61 161 1 20 2v Date: 8/20/20 Name/Title: Roy D. Buol, Mayor This original, signed document and related supporting material must be retained on file by the Responsible Entity in an Environment Review Record (ERR) for the activity / project (ref: 24 CFR Part 58.38) and in accordance with recordkeeping requirements for the HUD program(s). 08/19/2020 08:42 Page 2 of 2 U.S. Department of Housing and Urban Development 451 Seventh Street, SW Washington, DC 20410 www:hud.gov espanol hud.gov Environmental Review for Activity/Project that is Categorically Excluded Subject to Section 58.5 Pursuant to 24 CFR 58.35(a) Project Information Project Name: MFC-Sidewalk-Replacement HERDS Number: 900000010127635 State / Local Identifier: Project Location: 1157 Central Ave, Dubuque, IA 52001 Additional Location Information:: The sidewalk in this project runs north -south along the properties located at 1157 and 1101 Central Ave in Dubuque, IA. The sidewalk also runs east -west along 11th St in Dubuque as 1101 Central is located on a corner lot. Description of the Proposed Project [24 CFR 50.12 & 58.32; 40 CFR 1508.25]: This project includes the removal and replacement of the existing sidewalk located along the properties at 1157 and 1101 Central Ave in Dubuque, IA, The existing sidewalk is disheveled and in not ADA compliance. This project will consist of breaking up and removing the existing sidewalk and pouring a new sidewalk with curb cuts and accessible ramps for ADA accessibility. This project will not require ground disturbance as it is a replacement project. This project will also not affect the exterior or interior of the properties located at the above addresses. Level of Environment Review Determination: Categorically Excluded per 24 CFR 58.35(a), and subject to laws and authorities at §58.5: 58.34(a)(12) 58.35(a)(1) 58.35(a)(2) 58.35(a)(3)(iii) Funding Information Grant Number HUD Program Program Name B-19-MC-19-0004 Community Planning and Development (CPD) Community Development Block Grants (CDBG) (Entitlement) Estimated Total HUD Funded Amount: $25,000.00 MFC-Sidewalk-Replacement Dubuque, IA 900000010127635 Estimated Total Project Cost [24 CFR 58.2 (a) (5)]: $25,000.00 Mitigation Measures and Conditions [CFR 1.505.2(c)1: Summarized below are all mitigation measures adopted by the Responsible Entity to reduce, avoid or eliminate adverse environmental impacts and to avoid non-compliance or non-conformance with the above -listed authorities and factors. These measures/conditions must be incorporated into project contracts, development agreements and other relevant documents. The staff responsible for implementing and monitoring mitigation measures should be clearly identified in the mitigation plan. Law, Authority, or Factor Mitigation Measure or Condition Comments on Completed Measures Complete Dete mination: This categorically excluded activity/project converts to EXEMPT per Section 58,34(a)(12), because it does not require any mitigation for compliance with any listed statutes or authorities; nor requires any formal permit or license; Funds may be committed and drawn down after certification of this part for this (now) EXEMPT project; OR 0 This categorically excluded activity/project cannot convert to Exempt status because one or more. statutes or authorities listed at Section 58.5`requires formal consultation or mitigation. Complete consultation/mitigation protocol requirements, publish NOI/RROF and obtain "Authority to Use Grant Funds" (HUD 7015.16) per Section 58.70 and 58,71 before committing or drawing down any funds; OR This project is not categorically excluded OR, if originally categorically excluded, is now subject to a full Environmental Assessment according to Part 58 Subpart E due to extraordinary circumstances (Section 58.35(c)). ■ Preparer Signature: as-1:144 Name / Title/ Organization: Christopher Lester / UBUQUE Responsible Entity Agency Official Signature: Name/ Title: Roy D. Buol , Mayor Date: (E, Date: 6/4/20 This original, signed document and related supporting material must be retained on file by the Responsible Entity in an Environment Review Record (ERR) for the activity / project (ref: 24 CFR Part 58.38) and in accordance with recordkeeping requirements for the HUD program(s). 06/04/2020 13:32 Page 2 of 2 OMB Number: 4040-0004 Expiration Date: 12/31/2022 Application for Federal Assistance SF-424 * 1. Type of Submission: Preapplication Application * 2. Type New of Application: * If Revision, select appropriate letter(s): * Other (Specify): X Application Changed/Corrected X Continuation U Revision 4. Applicant Identifier: 06/01/2020 B-19-MC-19-0004 5a. Federal Entity Identifier: 5b. Federal Award Identifier: IA191464 DUBUQUE State Use Only: 6. Date Received by 7. State Application Identifier: State: 8. APPLICANT INFORMATION: *a. Legal Name: CITY OF DUBUQUE * b. Employer/Taxpayer Identification Number (EIN/TIN): * c. Organizational DUNS: 42-6004593 0931053020000 d. Address: *Streetl: Street2: * City: County/Parish: *State: Province: *Country: *Zip / Postal Code: CITY OF DUBUQUE BUDGET DEPARTMENT 50 W 13TH ST DUBUQUE DUBUQUE IA: Iowa USA: UNITED STATES 52001-4805 e. Organizational Unit: Department Name: Division Name: f. Name and contact information of person to be contacted on matters involving this application: Prefix: Middle Name: *Last Name: Suffix: Ms . *First Name: Alexis Steger Title: Housing & Community Development Director Organizational Affiliation: *Telephone Number: 563-589-4230 Fax Number: 563-589-4149 *Email: asteger@cityofdubuque.org Application for Federal Assistance SF-424 * 9. Type of Applicant 1: Select Applicant Type: C: City or Township Government Type of Applicant 2: Select Applicant Type: Type of Applicant 3: Select Applicant Type: * Other (specify): * 10. Name of Federal Agency: U.S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT 11. Catalog of Federal Domestic Assistance Number: CFDA Title: * 12. Funding Opportunity Number: PUBLIC LAW * Title: PROGRAM YEAR 2020 OFFICE OF COMMUNITY PLANNING AND DEVELOPMENT CPD FORMULA PROGRAMS: COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) 13. Competition Identification Number: Title: 14. Areas Affected by Project (Cities, Counties, States, etc.): Add Attachment Delete Attachment View Attachment * 15. Descriptive Title of Applicant's Project: JURISDICTIONS PROGRAM YEAR 2020/FY2021 ANNUAL PLAN FOR THE USE OF CDBG FUNDS. INCLUDES FUNDING FOR HOUSING, ECON DVLPMNT, NEIGHBORHOOD & COMM DVLPMNT, ADMIN COSTS AND COVID-CV ALLOCATION. Attach supporting documents as specified in agency instructions. Add Attachments Delete Attachments View Attachments Application for Federal Assistance SF-424 16. Congressional * a. Applicant Districts Of: IA-1 * b. Program/Project IA-1 Attach an additional list of Program/Project Congressional Districts if needed. Add Attachment Delete Attachment View Attachment 17. Proposed *a. Start Date: Project: 07/01/2020 * b. End Date: 06/30/2021 18. Estimated Funding ($): *a. Federal * b. Applicant * c. State * d. Local * e. Other *f. Program Income *g.TOTAL 2, 106, 505.00 254, 192. 00 2,360,697.00 * 19. Is Application Subject to Review By State Under Executive Order 12372 Process? a. This application was made available to the State under the Executive Order 12372 Process for review on b. Program is subject to E.O. 12372 but has not been selected by the State for review. X c. Program is not covered by E.O. 12372. * 20. Is the Applicant n Yes If "Yes", provide Delinquent On Any Federal Debt? (If "Yes," provide explanation in attachment.) X No explanation and attach Add Attachment Delete Attachment View Attachment 21. *By signing herein are true, comply with any subject me to this application, I certify (1) to the statements contained in the list of certifications** and (2) that the statements complete and accurate to the best of my knowledge. I also provide the required assurances** and agree to resulting terms if I accept an award. I am aware that any false, fictitious, or fraudulent statements or claims may criminal, civil, or administrative penalties. (U.S. Code, Title 218, Section 1001) and assurances, or an internet site where you may obtain this list, is contained in the announcement or agency specific X ** I AGREE ** The list of certifications instructions. Authorized Representative: Prefix: Middle Name: * Last Name: Suffix: * First Name: ROY BUOL * Title: MAYOR *Telephone Number: 563-564-5455 Fax Number: *Email: RBUOL@CITYOFDUBUQUE.ORG *Signature of Authorized Representative: ./1.sh,a„,&.....,,, *Date Signed: �Csa�/7iJ OMB Number; 4040-0004 Expiration Date: 12/31/2022 Application for Federal Assistance SF-424 .1. Type of Submission: Preapplication Application * 2. Type New of Application: * If Revision, select appropriate letter(s): • Other (Specify): X Application Changed/Corrected X Continuation Revision 4. Applicant Identifier: 06/01/2020 5a. Federal Entity Identifier. 5b. Federal Award Identifier: IA191464 DUBUQUE State Use Only: 6 Date Received by State: 7. State Application Identifier: 8, APPLICANT INFORMATION: * a. Legal Name: CITY OF DUBUQUE * b. Employer/Taxpayer Identification Number (EINITIN): * c. Organizational DUNS: 42-6004593 0931053020000 d. Address: *Street': Street2: * City: County/Parish: * State: Province: *Country: *Zip / Postal Code: HOUSING & COMMUNITY DEVELOPMENT DEPARTMENT 350 W 6TH STREET, SUITE 312 DUBUQUE DUBUQUE IA: Iowa USA: UNITED STATES 52001-4805 e. Organizational Unit: Department Name: Division Name: f. Name and contact information of person to be contacted on matters involving this application: Prefix: Middle Name: *Last Name: Suffix: Ms . * First Name: Alexis Steger Title: Housing & Community Development Director Organizational Affiliation: *Telephone Number, 563-589-4230 Fax Number 563-589-4149 `Email: asteger@cityofdubuque.org Application for Federal Assistance SF-424 * 9. Type of Applicant 1: Select Applicant Type: C: City or Township Government Type of Applicant 2: Select Applicant Type: Type of Applicant 3: Select Applicant Type: *Other (specify): * 10. Name of Federal Agency: U.S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT 11. Catalog of Federal Domestic Assistance Number: CFDA Title: * 12. Funding Opportunity Number: PUBLIC LAW Title: PROGRAM YEAR 2020 OFFICE OF COMMUNITY PLANNING AND DEVELOPMENT CPD FORMULA PROGRAMS: COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) 13. Competition Identification Number: Tile: 14. Areas Affected by Project (Cities, Counties, States, etc.): Add Attachment Delete Attachment View Attachment * 15. Descriptive Title of Applicant's Project: JURISDICTIONS PROGRAM YEAR 2020/FY2021 ANNUAL PLAN FOR THE USE OF CDBG FUNDS. INCLUDES FUNDING FOR HOUSING, ECON DEVELOPMENT, NEIGHBORH00D & COMMUNITY DEVELOPMENT, AND ADMIN COSTS. Attach supporting documents as specified in agency instructions. Add Attachments Delete Attachments View Attachments Application for Federal Assistance SF-424 16. Congressional Districts Of: *a. Applicant IA-1 * b. Program/Project IA-1 Attach an additional list of Program/Project congressional Districts if needed. Add Attachment 1 Delete Attachment View Attachment 17. Proposed Project: *a. Start Date: 07/01/2020 * b. End Date: 06/30/2021 18. Estimated Fund ng ($): *a. Federal *b, Applicant * c. State * d. Local * e. Other *f. Program Income *g.TOTAL 2, 106, 505.00 259,192.00 2,360,697.00 * 19. Is Application Subject to Review By State Under Executive Order 12372 Process? was made available to the State under the Executive Order 12372 Process for review on to E.O. 12372 but has not been selected by the State for review. covered by E.O. 12372. in a. This application ii b. Program is subject © c. Program is not * 20. Is the Applicant Delinquent On Any Federal Debt? (If "Yes," provide explanation in attachment.) Yes n No If "Yes", provide explanation and attach Add Attachment Delete Attachment ' ew Attachment 21. *By signing this herein are true, complete comply with any resulting subject me to criminal, application, I certify (1) to the statements contained in the fist of certifications** and (2) that the statements and accurate to the best of my knowledge. I also provide the required assurances** and agree to terms if !accept an award. I am aware that any false, fictitious, or fraudulent statements or claims may civil, or administrative penalties. (U.S. Code, Title 218, Section 1001) and assurances, or an Internet site where you may obtain this list, is contained in the announcement or agency specific X **I AGREE **The list of certifications instructions. Authorized Representative: Prefix: * First Name: ROY Middle Name: * Last Name: BUOL Suffix: *Title: MAYOR * Telephone Number: 5 6 3-5 64 -54 5 5 Fax Number: *Email: RBUOL@CITYOFDUBUQUE.ORG * Signature of Authorized Representative: 12 *Date Signed: j / /j,c R n Request for Release of Funds and Certification U.S. Department of Housing and Urban Development Office of Community Planning and Development OMB No. 2506-0087 (exp. 08/31/2023) This form is to be used by Responsible Entities and Recipients (as defined in 24 CFR 58.2) when requesting the release of funds, and requesting the authority to use such funds, for HUD programs identified by statutes that provide for the assumption of the environmental review responsibility by units of general local government and States. Public reporting burden for this collection of information is estimated to average 36 minutes per response, including the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. This agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless that collection displays a valid OMB control number. Part 1. Program Description and Request for Release of Funds (to be completed by Responsible Entity) 1. Pro ram Title(s) (Community Development Block Grant (CDBG) 2. HUD/State Identification Number 3. Recipient Identification Number B-17,18,19,20-MC-19-0004 o tional) 4. OMB Catalog Number(s) 6. For information about this request, contact (name & phone number Alexis Steger, (563) 690-6072 5. Name and address of responsible entity Housing Department 350 W 6th St Suite 312 Dubuque, IA 52001 8. HUD or State Agency and office unit to receive request HUD Omaha Area Office, Edward Zorinsky Federal Building, Suite 329, 1616 Capitol Avenue Omaha, NE 68102-4908 7. Name and address of recipient (if different than responsible entity) The recipient(s) of assistance under the program(s) listed above requests the release of funds and removal of environmental grant conditions governing the use of the assistance for the following 9. Program Activity(ies)/Project Name(s) (CrnnualAction Plan for Community Development Block Grant DBG) Program for Fiscal Year 2021 (Program Year 2020) 10. Location (Street address, city, county, State) City of Dubuque, Dubuque County, Dubuque Iowa 11. Program Activity/Project Description First Time Home Buyer Program; Homeowner Rehabilitation (Home Repair; Residential Rehabilitation Loan Program; Accessibility); Housing Code Enforcement; Housing Rehabilitation Services and Staff; Lead Hazard Reduction; Rental Unit Rehabilitation; Rental Rehab Loan Program; Accessibility Rehab); Purchase/Rehab/Resale (purchase of vacant or abandoned homes for rehabilitation and sale to income eligible households) Economic Development Programs: Microenterprise Assistance Program Neighborhood and Community Development Programs: Neighborhood Infrastructure Improvements (Bus Stop Improvements; Neighborhood Sidewalk Program; Multicultural Family Center Sidewalk Improvement); Neighborhood Recreation Program; Neighborhood Support Grants; Purchase of Services; Four Mounds HEART Program; Visiting Nurse Association Support; Zoning Inspection/ Enforcement; Vacant/Abandoned Building Inspection Planning and Administration: CDBG Administration Services and Staff, Neiahborhood Development Services and Staff. Housina Administration Services and Previous editions are obsolete form HUD-7015.15 (1/99) Part 2. Environmental Certification (to be completed by responsible entity) With reference to the above Program Activity(ies)/Project(s), I, the undersigned officer of the responsible entity, certify that: 1. The responsible entity has fully carried out its responsibilities for environmental review, decision -making and action pertaining to the project(s) named above. 2. The responsible entity has assumed responsibility for and complied with and will continue to comply with, the National Environmental Policy Act of 1969, as amended, and the environmental procedures, permit requirements and statutory obligations of the laws cited in 24 CFR 58.5; and also agrees to comply with the authorities in 24 CFR 58.6 and applicable State and local laws. 3. The responsible entity has assumed responsibility for and complied with and will continue to comply with Section 106 of the National Historic Preservation Act, and its implementing regulations 36 CFR 800, including consultation with the State Historic Preservation Officer, Indian tribes and Native Hawaiian organizations, and the public. 4. After considering the type and degree of environmental effects identified by the environmental review completed for the proposed project described in Part 1 of this request, I have found that the proposal did ❑ did not 2 require the preparation and dissemination of an environmental impact statement. 5. The responsible entity has disseminated and/or published in the manner prescribed by 24 CFR 58.43 and 58.55 a notice to the public in accordance with 24 CFR 58.70 and as evidenced by the attached copy (copies) or evidence of posting and mailing procedure. 6. The dates for all statutory and regulatory time periods for review, comment or other action are in compliance with procedures and requirements of 24 CFR Part 58. 7. In accordance with 24 CFR 58.71(b), the responsible entity will advise the recipient (if different from the responsible entity) of any special environmental conditions that must be adhered to in carrying out the project. As the duly designated certifying official of the responsible entity, I also certify that: 8. I am authorized to and do consent to assume the status of Federal official under the National Environmental Policy Act of 1969 and each provision of law designated in the 24 CFR 58.5 list of NEPA-related authorities insofar as the provisions of these laws apply to the HUD responsibilities for environmental review, decision -making and action that have been assumed by the responsible entity. 9. I am authorized to and do accept, on behalf of the recipient personally, the jurisdiction of the Federal courts for the enforcement of all these responsibilities, in my capacity as certifying officer of the responsible entity. Signature of Certifying Officer of the Responsible Entity Address of Cera Officer City of Dubuque, 50 W 13th Street, Dubuque, IA 52001 Title of Certifying Officer Roy D. Buol, Mayor Date signed L.to Part 3. To be completed when the Recipient is not the Responsible Entity The recipient requests the release of funds for the programs and activities identified in Part 1 and agrees to abide by the special conditions, procedures and requirements of the environmental review and to advise the responsible entity of any proposed change in the scope of the project or any change in environmental conditions in accordance with 24 CFR 58.71(b). Signature of Authorized Officer of the Recipient Title of Authorized Officer NA Date signed INA Warning: HUD will prosecute false claims and statements. Conviction may result in criminal and/or civil penalties. (18 U.S.C. 1001, 1010, 1012; 31 U.S.C. 3729, 3802) Previous editions are obsolete form HUD-7015.15 (1/99) CERTIFICATIONS In accordance with the applicable statutes and the regulations governing the consolidated plan regulations, the jurisdiction certifies that: Affirmatively Further Fair Housing --The jurisdiction will affirmatively further fair housing. Uniform Relocation Act and Anti -displacement and Relocation Plan -- It will comply with the acquisition and relocation requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, as amended, (42 U.S.C. 4601-4655) and implementing regulations at 49 CFR Part 24. It has in effect and is following a residential anti -displacement and relocation assistance plan required under 24 CFR Part 42 in connection with any activity assisted with funding under the Community Development Block Grant or HOME programs. Anti -Lobbying --To the best of the jurisdiction's knowledge and belief: 1. No Federal appropriated funds have been paid or will be paid, by or on behalf of it, to any person for influencing or attempting to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an employee of a Member of Congress in connection with the awarding of any Federal contract, the making of any Federal grant, the making of any Federal loan, the entering into of any cooperative agreement, and the extension, continuation, renewal, amendment, or modification of any Federal contract, grant, loan, or cooperative agreement; 2. If any funds other than Federal appropriated funds have been paid or will be paid to any person for influencing or attempting to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an employee of a Member of Congress in connection with this Federal contract, grant, loan, or cooperative agreement, it will complete and submit Standard Form-LLL, "Disclosure Form to Report Lobbying," in accordance with its instructions; and 3. It will require that the language of paragraph 1 and 2 of this anti -lobbying certification be included in the award documents for all subawards at all tiers (including subcontracts, subgrants, and contractsunder grants, loans, and cooperative agreements) and that all subrecipients shall certify and disclose accordingly. Authority of Jurisdiction --The consolidated plan is authorized under State and local law (as applicable) and the jurisdiction possesses the legal authority to carry out the programs for which it is seeking funding, in accordance with applicable HUD regulations. Consistency with plan --The housing activities to be undertaken with Community Development Block Grant, HOME, Emergency Solutions Grant, and Housing Opportunities for Persons With AIDS funds are consistent with the strategic plan in the jurisdiction's consolidated plan. Section 3 -- It will comply with section 3 of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701u) . d implementing regulations at 24 CFR Part 135. Sig ;� e of Authorized Official Roy D. Buol, Mayor Title II/4/ao90 Date Specific Community Development Block Grant Certifications The Entitlement Community certifies that: Citizen Participation -- It is in full compliance and following a detailed citizen participation plan that satisfies the requirements of 24 CFR 91.105. Community Development Plan -- Its consolidated plan identifies community development and housing needs and specifies both short-term and long-term community development objectives that that have been developed in accordance with the primary objective of the CDBG program (i.e., the development of viable urban communities, by providing decent housing and expanding economic opportunities, primarily for persons of low and moderate income) and requirements of 24 CFR Parts 91 and 570. Following a Plan -- It is following a current consolidated plan that has been approved by HUD. Use of Funds -- It has complied with the following criteria: 1. Maximum Feasible Priority. With respect to activities expected to be assisted with CDBG funds, it has developed its Action Plan so as to give maximum feasible priority to activities which benefit low- and moderate -income families or aid in the prevention or elimination of slums or blight. The Action Plan may also include CDBG-assisted activities which the grantee certifies are designed to meet other community development needs having particular urgency because existing conditions pose a serious and immediate threat to the health or welfare of the community, and other financial resources are not available (see Optional CDBG Certification). 2. Overall Benefit. The aggregate use of CDBG funds, including Section 108 guaranteed loans, during program year(s) 2019, 2020 and 2021 [a period specified by the grantee of one, two, or three specific consecutive program years], shall principally benefit persons of low and moderate income in a manner that ensures that at least 70 percent of the amount is expended for activities that benefit such persons during the designated period. 3. Special Assessments. It will not attempt to recover any capital costs of public improvements assisted with CDBG funds, including Section 108 loan guaranteed funds, by assessing any amount against properties owned and occupied by persons of low and moderate income, including any fee charged or assessment made as a condition of obtaining access to such public improvements. However, if CDBG funds are used to pay the proportion of a fee or assessment that relates to the capital costs of public improvements (assisted in part with CDBG funds) financed from other revenue sources, an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds. In addition, in the case of properties owned and occupied by moderate -income (not low-income) families, an assessment or charge may be made against the property for public improvements financed by a source other than CDBG funds if the jurisdiction certifies that it lacks CDBG funds to cover the assessment. Excessive Force -- It has adopted and is enforcing: 1. A policy prohibiting the use of excessive force by law enforcement agencies within its jurisdiction against any individuals engaged in non-violent civil rights demonstrations; and 2. A policy of enforcing applicable State and local laws against physically barring entrance to or exit from a facility or location which is the subject of such non-violent civil rights demonstrations within its jurisdiction. Compliance with Anti -discrimination laws -- The grant will be conducted and administered in conformity with title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d) and the Fair Housing Act (42 U.S.C. 3601-3619) and implementing regulations. Lead -Based Paint -- Its activities concerning lead -based paint will comply with the requirements of 24 CFR Part 35, Subparts A, B, J, K and R. Compliance with Laws -- It will comply with applicable laws. Signa urgf Authorized Official Date %—to IU4/aoac Roy D. Buol, Mayor Title APPENDIX TO CERTIFICATIONS INSTRUCTIONS CONCERNING LOBBYING CERTIFICATION: Lobbying Certification This certification is a material representation of fact upon which reliance was placed when this transaction was made or entered into. Submission of this certification is a prerequisite for making or entering into this transaction imposed by section 1352, title 31, U.S. Code. Any person who fails to file the required certification shall be subject to a civil penalty of not less than $10,000 and not more than $100,000 for each such failure. ASSURANCES - CONSTRUCTION PROGRAMS OMB Number: 4040-0009 Expiration Date: 02/28/2022 Public reporting burden for this collection of information is estimated to average 15 minutes per response, including time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the Office of Management and Budget, Paperwork Reduction Project (0348-0042), Washington, DC 20503. PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET. SEND IT TO THE ADDRESS PROVIDED BY THE SPONSORING AGENCY. NOTE: Certain of these assurances may not be applicable to your project or program. If you have questions, please contact the Awarding Agency. Further, certain Federal assistance awarding agencies may require applicants to certify to additional assurances. If such is the case, you will be notified. As the duly authorized representative of the applicant:, I certify that the applicant: 1. 2. 3. Has the legal authority to apply for Federal assistance, and the institutional, managerial and financial capability (including funds sufficient to pay the non -Federal share of project costs) to ensure proper planning, management and completion of project described in this application. Will give the awarding agency, the Comptroller General of the United States and, if appropriate, the State, the right to examine all records, books, papers, or documents related to the assistance; and will establish a proper accounting system in accordance with generally accepted accounting standards or agency directives. Will not dispose of, modify the use of, or change the terms of the real property title or other interest in the site and facilities without permission and instructions from the awarding agency. Will record the Federal awarding agency directives and will include a covenant in the title of real property acquired in whole or in part with Federal assistance funds to assure non- discrimination during the useful life of the project. 4. Will comply with the requirements of the assistance awarding agency with regard to the drafting, review and approval of construction plans and specifications. 5. 6. 7. Will provide and maintain competent and adequate engineering supervision at the construction site to ensure that the complete work conforms with the approved plans and specifications and will furnish progressive reports and such other information as may be required by the assistance awarding agency or State. Will initiate and complete the work within the applicable time frame after receipt of approval of the awarding agency. Will establish safeguards to prohibit employees from using their positions for a purpose that constitutes or presents the appearance of personal or organizational conflict of interest, or personal gain. Previous Edition Usable 8. Will comply with the Intergovernmental Personnel Act of 1970 (42 U.S.C. §§4728-4763) relating to prescribed standards of merit systems for programs funded under one of the 19 statutes or regulations specified in Appendix A of OPM's Standards for a Merit System of Personnel Administration (5 C.F.R. 900, Subpart F). 9. Will comply with the Lead -Based Paint Poisoning Prevention Act (42 U.S.C. §§4801 et seq.) which prohibits the use of lead -based paint in construction or rehabilitation of residence structures. 10. Will comply with all Federal statutes relating to non- discrimination. These include but are not limited to: (a) Title VI of the Civil Rights Act of 1964 (P.L. 88-352) which prohibits discrimination on the basis of race, color or national origin; (b) Title IX of the Education Amendments of 1972, as amended (20 U.S.C. §§1681 1683, and 1685-1686), which prohibits discrimination on the basis of sex; (c) Section 504 of the Rehabilitation Act of 1973, as amended (29) U.S.C. §794), which prohibits discrimination on the basis of handicaps; (d) the Age Discrimination Act of 1975, as amended (42 U.S.C. §§6101-6107), which prohibits discrimination on the basis of age; (e) the Drug Abuse Office and Treatment Act of 1972 (P.L. 92-255), as amended relating to nondiscrimination on the basis of drug abuse; (f) the Comprehensive Alcohol Abuse and Alcoholism Prevention, Treatment and Rehabilitation Act of 1970 (P.L. 91-616), as amended, relating to nondiscrimination on the basis of alcohol abuse or alcoholism; (g) §§523 and 527 of the Public Health Service Act of 1912 (42 U.S.C. §§290 dd-3 and 290 ee 3), as amended, relating to confidentiality of alcohol and drug abuse patient records; (h) Title VIII of the Civil Rights Act of 1968 (42 U.S.C. §§3601 et seq.), as amended, relating to nondiscrimination in the sale, rental or financing of housing; (i) any other nondiscrimination provisions in the specific statue(s) under which application for Federal assistance is being made; and (j) the requirements of any other nondiscrimination statue(s) which may apply to the application. Authorized for Local Reproduction Standard Form 424D (Rev. 7-97) Prescribed by OMB Circular A-102 11. 12. 13. 14. 15. Will comply, or has already complied, with the requirements of Titles II and III of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970 (P.L. 91-646) which provide for fair and equitable treatment of persons displaced or whose property is acquired as a result of Federal and federally -assisted programs. These requirements apply to all interests in real property acquired for project purposes regardless of Federal participation in purchases. Will comply with the provisions of the Hatch Act (5 U.S.C. § §1501-1508 and 7324-7328) which limit the political activities of employees whose principal employment activities are funded in whole or in part with Federal funds. Will comply, as applicable, with the provisions of the Davis - Bacon Act (40 U.S.C. §§276a to 276a-7), the Copeland Act (40 U.S.C. §276c and 18 U.S.C. §874), and the Contract Work Hours and Safety Standards Act (40 U.S.C. §§327- 333) regarding labor standards for federally -assisted construction subagreements. Will comply with flood insurance purchase requirements of Section 102(a) of the Flood Disaster Protection Act of 1973 (P.L. 93-234) which requires recipients in a special flood hazard area to participate in the program and to purchase flood insurance if the total cost of insurable construction and acquisition is $10,000 or more. Will comply with environmental standards which may be prescribed pursuant to the following: (a) institution of environmental quality control measures under the National Environmental Policy Act of 1969 (P.L. 91- 190) and Executive Order (EO) 11514; (b) notification of violating facilities pursuant to EO 11738; (c) protection of wetlands pursuant to EO 11990; (d) evaluation of flood hazards in floodplains in accordance with EO 11988; (e) assurance of project consistency with the approved State management program developed under the Coastal Zone Management Act of 1972 (16 U.S.C. §§1451 et seq.); (f) conformity of 16. 17. 18. 19. 20. Federal actions to State (Clean Air) implementation Plans under Section 176(c) of the Clean Air Act of 1955, as amended (42 U.S.C. §§7401 et seq.); (g) protection of underground sources of drinking water under the Safe Drinking Water Act of 1974, as amended (P.L. 93-523); and, (h) protection of endangered species under the Endangered Species Act of 1973, as amended (P.L. 93-205). Will comply with the Wild and Scenic Rivers Act of 1968 (16 U.S.C. §§1271 et seq.) related to protecting components or potential components of the national wild and scenic rivers system. Will assist the awarding agency in assuring compliance with Section 106 of the National Historic Preservation Act of 1966, as amended (16 U.S.C. §470), EO 11593 (identification and protection of historic properties), and the Archaeological and Historic Preservation Act of 1974 (16 U.S.C. §§469a-1 et seq). Will cause to be performed the required financial and compliance audits in accordance with the Single Audit Act Amendments of 1996 and OMB Circular No. A-133, "Audits of States, Local Governments, and Non -Profit Organizations." Will comply with all applicable requirements of all other Federal laws, executive orders, regulations, and policies governing this program. Will comply with the requirements of Section 106(g) of the Trafficking Victims Protection Act (TVPA) of 2000, as amended (22 U.S.C. 7104) which prohibits grant award recipients or a sub -recipient from (1) Engaging in severe forms of trafficking in persons during the period of time that the award is in effect (2) Procuring a commercial sex act during the period of time that the award is in effect or (3) Using forced labor in the performance of the award or subawards under the award. SIGNATURE OF AUTHORIZED CERTIFYING OFFICIAL TITLE /47 if-Ct /?(-"Ill::2 Mayor APPLICAN7iORGANIZATION DATE SUBMITTED City of Dubuque, IA PA /39-W SF-424D (Rev. 7-97) Back OMB Number: 4040-0004 Expiration Date: 12/31/2022 Application for Federal Assistance SF-424 * 1. Type of Submission: ❑ Preapplication Application * 2. Type ❑ New of Application: * If Revision, select appropriate letter(s): * Other (Specify): X Application ❑ Changed/Corrected X Continuation ❑ Revision * _• 4. Applicant Identifier: 06/01/2020 5a. Federal Entity Identifier: 5b. Federal Award Identifier: IA191464 DUBUQUE State Use Only: 6. Date Received by 7. State Application Identifier: State: 8. APPLICANT INFORMATION: *a. Legal Name: CITY OF DUBUQUE * b. Employer/Taxpayer Identification Number (EIN/TIN): * c. Organizational DUNS: 42-6004593 0931053020000 d. Address: *Streetl: Street2: * City: County/Parish: *State: Province: *Country: *Zip / Postal Code: HOUSING & COMMUNITY DEVELOPMENT DEPARTMENT 350 W 6TH STREET, SUITE 312 DUBUQUE . DUBUQUE IA: Iowa USA: UNITED STATES 52001-4805 e. Organizational Unit: Department Name: Division Name: f. Name and contact information of person to be contacted on matters involving this application: Prefix: Middle Name: * Last Name: Suffix: Ms . * First Name: Alexis Steger Title: Housing & Community Development Director Organizational Affiliation: `Telephone Number: 563-589-4230 Fax Number: 563-589-4149 * Email: asteger@cityofdubuque.org Application for Federal Assistance SF-424 * 9. Type of Applicant 1: Select Applicant Type: C: City or Township Government Type of Applicant 2: Select Applicant Type: Type of Applicant 3: Select Applicant Type: * Other (specify): * 10. Name of Federal Agency: U.S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT 11. Catalog of Federal Domestic Assistance Number: CFDA Title: * 12. Funding Opportunity Number: PUBLIC LAW * Title: PROGRAM YEAR 2020 OFFICE OF COMMUNITY PLANNING AND DEVELOPMENT CPD FORMULA PROGRAMS: COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) 13. Competition Identification Number: Title. 14. Areas Affected by Project (Cities, Counties, States, etc.): Add Attachment Delete Attachment View Attachment * 15. Descriptive Title of Applicant's Project: JURISDICTIONS PROGRAM YEAR 2020/FY2021 ANNUAL PLAN FOR THE USE OF CDBG FUNDS. INCLUDES FUNDING FOR HOUSING, ECON DEVELOPMENT, NEIGHBORHOOD & COMMUNITY DEVELOPMENT, AND ADMIN COSTS. Attach supporting documents as specified in agency instructions. Add Attachments Delete Attachments View Attachments Application for Federal Assistance SF-424 16. Congressional * a. Applicant Districts Of: IA-1 * b. Program/Project IA-1 Attach an additional list of Program/Project Congressional Districts if needed. Add Attachment Delete Attachment View Attachment 17. Proposed *a. Start Date: Project: 07/01/2020 * b. End Date: 06/30/2021 18. Estimated Funding ($): *a. Federal *b Applicant * c. State * d. Local I *e Other *f. Program Income *g.TOTAL 2, 106, 329. 00 254, 192.00 2,360,521.00 * 19. Is Application ❑ a. This application ❑ b. Program Subject to Review By State Under Executive Order 12372 Process? was made available to the State under the Executive Order 12372 Process for review on is subject to E.O. 12372 but has not been selected by the State for review. is not covered by E.O. 12372. X c. Program * 20. Is the Applicant ❑ Yes If "Yes", provide Delinquent On Any Federal Debt? (If "Yes," provide explanation in attachment.) X No explanation and attach Add Attachment Delete Attachment thew Attachment 21. *By signing herein are true, comply with any subject me to this application, I certify (1) to the statements contained in the list of certifications** and (2) that the statements complete and accurate to the best of my knowledge. I also provide the required assurances** and agree to resulting terms if I accept an award. I am aware that any false, fictitious, or fraudulent statements or claims may criminal, civil, or administrative penalties. (U.S. Code, Title 218, Section 1001) and assurances, or an internet site where you may obtain this list, is contained in the announcement or agency specific X **IAGREE " The list of certifications instructions. Authorized Representative: Prefix: Middle Name: * Last Name: Suffix: * First Name: ROY BUOL * Title: MAYOR *Telephone Number: 563-564-5455 Fax Number: *Email: RBUOL@CITYOFDUBUQUE.ORG * Signature of Authorized Representative: ly. el&I' Date Signed: 1) /ia f?Oao THEC]TY OF D Masterpiece on the Mississippi 2021-2025 CDBG Consolidated 5 Year Plan HUD CDBG Funds Objective: To provide decent housing and suitable living environment and expand economic opportunities. Activity needs to accomplish one of the following national objectives: 1. Benefit low/moderate income individuals, 2. Aids in prevention/elimination of slums or blight 3. Meets an urgent need Eligible Uses: • Home ownership assistance, housing rehabilitation • Acquisition of real property, relocation assistance • Public facilities/improvements • Code compliance, removal of architectural barriers • Public services (not to exceed 15% of grant) • Special economic development assistance to for profit entities • Commercial/industrial improvements by the city • Planning/program oversight Housing Needs • AFH: Fair Housing Education and Outreach • Analysis of rent increase in Mobile Home Housing • Accessible housing for Special Needs Population • Diversified Neighborhoods • Eliminate Lead Based Paint and other Hazards • Expand acceptance of HCVs community wide • Rapid Rehousing What We Learned Cost Burden: 26% of the City of Dubuque's population is cost burdened or severely cost burdened. Severe Cost Burden 13% Cost Burden 13% No Cost Burden 74% Housing Problems: Cost burden continues to be by far the most common housing problem. Minority groups experience a disproportionately greater need. Cost Burden Kitchen' Overcrowding Plumbing 0% • Homeless- Shelter Beds • Home ownership Opportunities • Improve existing owner - occupied structures • Improve physical environments • Legal Support and Education on Fair Housing • Maintain Safety through Code Enforcement • More Affordable Housing Units • New Affordable Housing q 10% 20% 30% Non Housing Needs • Non -Housing Community Needs • High Speed Internet Access • Increase Self Sufficiency • Increasing Social Capital • Support Services- Employment and Child Care • Support Services- Employment Wages and income • Support Services- Human Services • Support Services- Mental Health & Substance Abuse THE CITY OF Masterpiecers the Mississippi 2021-2025 CDBG Consolidated 5 Year Plan Five Year Strategic Goals Assist the Homeless and At - Risk of Homelessness Support partners to meet service, rapid rehousing and shelter needs Assist Special Needs Population Accessible Housing Rental Rehabilitation /i/ Accessible Neighborhoods Develop New Affordable Housing Units Partnerships, Loans, Tax incentives and policies that encourage affordable housing Direct Home Ownership Assistance Down payments Loans First time homebuyer program Advance Equity with Fair Housing Activities Fair Housing Training 1:111\ Policy and Administration that promotes equity Legal Assistance Support Neighborhood Development and Improvements Neighborhood initiated projects, clean-ups Public Infrastructure Accessibility needs Neighborhood Youth Services and After Care After School Care Summer Camps Recreational Programs Encourage Self -Sufficiency Public/Human Services Basic Needs Purchase of Services Employment Supports that increase real wages Provide Inspection and Code Enforcement Code Enforcement Staff Enforcement initiated clean-ups Safety and Equality Maintain Existing Affordable Housing Acquisition -Rehabilitation Lead Remediation Loans Masterpiece on the Mississippi Dubuque All -America City NA1TONAL . CIVIC: LLACAJE 1111 1 2007*2012*2013 2017*2019 CONSOLIDATED PLAN FY 2020-2025 For submittal to U.S. Department of Housing and Urban Development Masterpiece on the Mississippi Executive Summary ES-05 Executive Summary - 24 CFR 91.200(c), 91.220(b) 1. Introduction Dubuque kited All -America City NAi10NA[.CIVIL LLCAJ: 1111 2007*2012*2013 2017*2019 Consolidated planning is a collaborative process whereby the City of Dubuque establishes a unified vision for community development actions. The U.S. Department of Housing and Urban Development (HUD) requires communities who receive funding under the HUD programs to complete a Consolidated Plan. The City of Dubuque is an entitlement city only for Community Development Block Grant (CDBG) funds on an annual basis. The Consolidated Plan integrates economic, physical, environmental, community and human development in a comprehensive and coordinated fashion. The planning process allows for broad citizen input into developing the overall strategic plan for the community, building upon local strengths and assets and coordinating a response to the needs of the community. The Consolidated Plan provides a planning tool for policymakers as they consider decisions impacting the city. The plan provides a guide to the conditions and needs of the city, and a valuable opportunity to assess change and trends, always with an eye toward the proper course for the Housing & Community Development Department and the city. Looking at the current statistical indicators Dubuque continues to exhibit strengths and face increased challenges and pressures. One such challenge is the need for quality housing which is both available and affordable for Dubuque residents. The City is addressing barriers to fair housing and taking proactive steps to affirmatively further fair housing. Consolidated Plan DUBUQUE 2 OMB Control No: 2506-0117 (exp. 06/30/2018) The Consolidated Plan for the City of Dubuque is for a five-year period, from July 1 2020 (FY 2021) to June 30 2025 (FY 2025). The City of Dubuque Housing and Community Development Department is the lead agency responsible for the development and administration of the Consolidated Plan. The Community Development Advisory Commission has ongoing review for the planning, implementation and assessment of the CDBG program to ensure citizen involvement in the use of these federal funds. As the entitlement from CDBG continues to decline, the City has found creative solutions to funding gaps by leveraging community resources and creating new opportunities to successfully complete projects. To meet the City's identified needs the City advocates education, outreach, and engagement to inform residents and foster a willingness to participate in community improvement. The City focuses on partnerships and collaboration with the public and private sector to continue work that provides opportunity and better quality of life for Low and Moderate -Income (LMI) Citizens of Dubuque. 2. Summary of the objectives and outcomes identified in the Plan Needs Assessment Overview The City of Dubuque distinguishes between four different but complementary areas of program development in its overall CDBG program: Housing Development, Economic Development, Neighborhood and Community Development and Planning and Administration. Administration ensures management, oversight, coordination, and compliance with federal regulations and reporting requirements. The City of Dubuque will address CDBG goals of affordability, sustainability, and accessibility through the following strategic goals over the five-year consolidated plan period. • Assist the Homeless and At -Risk of Homelessness • Assist Special Needs Populations • Develop New Affordable Housing units • Direct Home Ownership Assistance • Advance Equity with Fair Housing Activities • Support Neighborhood Development and Improvements • Neighborhood Youth Services and Aftercare • Encourage Self-Sufficiency-Public/Human Services • Provide Inspection and Code Enforcement • Maintain Existing Affordable Housing 3. Evaluation of past performance In previous years, CDBG funds have been used to advance housing, economic development, neighborhood, and community goals. The Community Development Advisory Commission reviews performance for housing activities. The Consolidated Plan identified housing problems that disproportionately impact low, extremely low, and non -white populations. The Commission evaluates Consolidated Plan DUBUQUE 3 OMB Control No: 2506-0117 (exp. 06/30/2018) CDBG funded activities for equitable service delivery that affirmatively reaches out to non -majority populations. The City of Dubuque strives to meet or exceed the goals stated in the Consolidated Plan and Annual Action Plan. The City continues to obligate and disburse its CDBG funds in a timely manner and proposes to provide over 90% overall benefit in FY 2020 to low- and moderate -income persons, exceeding the regulatory 70%. CDBG Administrative Staff continue to provide technical assistance and develop monitoring and oversight skills for department staff responsible for administration of CDBG funded activities. In previous years, CDBG funds have been used to advance housing, economic development, neighborhood, and community goals. The Community Development Advisory Commission reviews performance for housing activities. The Consolidated Plan identified housing problems disproportionately impact low income, and non -white populations. The Community Development Advisory Commission is evaluating CDBG funded activities for equitable service delivery that affirmatively reaches out to minority populations. 4. Summary of citizen participation process and consultation process Citizen participation drove goal setting. The process involved focus groups, stakeholder interviews, a communitywide survey, public meetings/hearings of the Human Rights Commission, Community Development Advisory Commission, and the City Council. The draft plan was compiled and presented to the Community Development Advisory Commission. This commission is comprised of 9 members, four must reside in areas where over 51% of residents earn less than 80% area median income (AMI), four are from the community at large, and one member is also a member of the Housing Commission. Members of the commission advise on the strategies, use, and effectiveness of activities and programs funded with CDBG and on the plan itself. Those recommendations are forwarded to the City Council for final adoption into the approved plan. Citizens may make public comment on an ongoing basis through the City's website, both during the planning process and the execution of the CDBG plan. The CDAC meets on a monthly basis in an open public meeting in an accessible location. The CDAC is empowered to ensure and encourage citizen participation though conducting public hearings, identifying community needs, advising the City Council is the prioritization of CDBG funding and policy decisions, advising the City Manager in the review of complaints and grievances, and participating in public information efforts. 5. Summary of public comments First and final drafts of the Consolidated Plan were submitted to the CDAC posted for 30 days for public comment on the City's website. No comments were received. Public Hearings were set by the CDAC and Consolidated Plan DUBUQUE 4 OMB Control No: 2506-0117 (exp. 06/30/2018) advertised. The results of the survey included open ended comments. These and comments collected by other means are included in the stakeholder comment appendix of this document. 6. Summary of comments or views not accepted and the reasons for not accepting them All public comments are accepted. 7. Summary During the FY 2021-2025 Consolidated Plan Period, the City will continue to focus on increasing safe and affordable housing opportunities, and fair access to diverse housing choices. The city continuously evaluates past strategies and adjusts aimed at improving timely reporting, expenditure of funds, and monitoring of existing programming. The Community Development Advisory Commission will continue to evaluate equity in services, using data -driven approaches informed by the experience of providers and participants benefiting from CDBG funded services. The City of Dubuque Housing and Community Development funding continues to devote considerable resources to allow for community engagement in the development, evaluation, and execution of activities described in the plan. Consolidated Plan DUBUQUE 5 OMB Control No: 2506-0117 (exp. 06/30/2018) The Process PR-05 Lead & Responsible Agencies 24 CFR 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 CDBG Administrator DUBUQUE Housing & Community Development Department Table 1— Responsible Agencies Narrative The City of Dubuque Housing and Community Development Department is the agency responsible for development and administration of the Consolidated Plan. This department coordinates the citizen participation process, researches the analysis of the needs and prepares the Five -Year Consolidated Plan and annual Action Plan document. Under the direction of the Housing & Community Development Director, the CDBG Specialist works with the Community Development Advisory Commission to identify needs, recommend funding allocations, and monitor progress for the CDBG program. It is also the lead entity responsible for coordinating the administration of the funding allocation process, monitoring oversight of all public and private agencies that administer programs that will implement the Action Plans, and prepares the CAPER report. The Council -appointed citizen advisory board, the Community Development Advisory Commission, reviews the Five -Year Consolidated Plan and the annual Action Plans. The CDAC provides ongoing review of planning, implementation and assessment of the CDBG Program and meets in a public forum to ensure citizen involvement in the use of federal funds. Consolidated Plan Public Contact Information The City of Dubuque Housing & Community Development Department is the primary entity responsible for the development and implementation of the Consolidated Plan. Consolidated Plan DUBUQUE 6 OMB Control No: 2506-0117 (exp. 06/30/2018) PR-10 Consultation — 91.100, 91.110, 91.200(b), 91.300(b), 91.215(1) and 91.315(1) 1. Introduction As part of the consolidated planning process, the lead agency, must consult with a wide variety of organizations in order to gain understanding of housing and community development needs. In this process, the City made deliberate and thoughtful efforts to prioritize breadth of input and conducted targeted outreach to get input from organizations identified in §24 CFR 91.100 including agencies representing non-English speaking persons and other recent immigrants, minorities, persons with disabilities, and other vulnerable and/or marginalized communities. 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(1)). The City has and will continue to seek out opportunities to meet with a variety of groups to better understand and address short-term and long-term community needs, such as Inclusive Dubuque and the Pacific Islander Health Project. Advocates from area homeless shelters continue to report lack of mental health services as a barrier to permanent housing. The City contracted with Public Works, LLC to facilitate community focus groups to inform the CDBG plan that included representation from multiple city departments, non -governmental groups, schools and non-profit organizations with representation from health, mental health, substance abuse, housing, and human services. The City adopted the Housing First model to administer the Phoenix Housing program. This program provides subsidized housing for homeless with mental illness, substance abuse, and/or HIV/AIDS related illnesses. To ensure an adequate supply of housing for these and other vulnerable populations, the City provides day -long trainings twice per year for housing providers. The trainings cover a variety of topics, including information on fair housing practices, housing needs, legal needs, education on local, state, and federal subsidies, education on topics surrounding housing discrimination, and equity. The City Manager holds regular meetings with the Dubuque Area Landlord Association and the Dubuque Renters Union to discuss needs and concerns of housing providers. These meetings are attended by staff from multiple city departments and help to identify concerns and coordinate to achieve desirable outcomes. The City Manager facilitates meetings with the Human Rights Department, Friends of Fair Housing (a subgroup of NAACP members), the City's Legal Department, and Housing and Community Development Department to discuss needs of vulnerable populations living in substandard housing. Friends of Fair Housing is focused on building relationships with populations at -risk for homelessness and connecting them with resources to improve housing conditions. Consolidated Plan DUBUQUE 7 OMB Control No: 2506-0117 (exp. 06/30/2018) 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 actively engages to partner with public and private agencies to ensure funding priorities align with community development goals. The City engages in multiple community collaborations focused on increasing coordination and access to services. The City of Dubuque strives to use data -driven decision making and engagement with residents to better serve the community. The City does not provide any public housing, and as such, needs to partner with area housing providers to ensure enough housing providers are willing and able to accept Housing Choice Vouchers (HCV) and participate in the Continuum of Care funded Phoenix Housing Program, providing rental subsidies for homeless, disabled participants. As a member of the Continuum of Care and Homeless Advisory Council, the Housing & Community Development Department staff participate in the coordinated point -of -entry meetings, needs assessment, and the City provides support for the point -in -time homeless count. 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 City of Dubuque Housing & Community Development Department coordinates with the Iowa Finance Authority to maintain information on the Balance of State, changes in needs, barriers to addressing those need, funding resources, and fair housing issues. 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 Consolidated Plan DUBUQUE 8 OMB Control No: 2506-0117 (exp. 06/30/2018) Table 2 — Agencies, groups, organizations who participated 1 Agency/Group/Organization COMMUNITY FOUNDATION OF GREATER DUBUQUE Agency/Group/Organization Type Services -Children Foundation What section of the Plan was addressed by Consultation? Non -Homeless Special Needs Anti -poverty Strategy How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The City consulted with the Foundation regarding the equity in services and identifying community needs. The Foundation has identified lack of quality childcare as a significant barrier to self-sufficiency for people living in poverty. They were interviewed as a Key stakeholder, participated in discovery sessions, and to provide input into homeless and other community needs and best practices 2 Agency/Group/Organization COMMUNITY HOUSING INITIATIVES Agency/Group/Organization Type Housing What section of the Plan was addressed by Consultation? Market Analysis How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The City consulted with local chapter of CHI working to rehabilitate housing in the Washington Neighborhood. Housing rehabilitated by CHI is sold at a range affordable prices and there is a significant demand for the units. The City subsidizes the rehabilitation costs for each home to provide financially viable rehabilitation projects. 3 Agency/Group/Organization City of Dubuque Health Department Agency/Group/Organization Type Services -Health Grantee Department What section of the Plan was addressed by Consultation? Housing Need Assessment Lead -based Paint Strategy 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 Housing and Community Development Department coordinates with the Health Department to deliver lead -based paint testing and remediation activities. They were also consulted on needs and data related to persons with HIV/AIDS as well as Non -Homeless Special needs populations. Consolidated Plan DUBUQUE OMB Control No: 2506-0117 (exp. 06/30/2018) 4 Agency/Group/Organization City of Dubuque Housing & Community Development Department Agency/Group/Organization Type Housing PHA What section of the Plan was addressed by Consultation? Housing Need Assessment Lead -based Paint Strategy Public Housing Needs Homelessness Strategy Anti -poverty Strategy How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The Assisted Housing program serves as the Public Housing Authority (PHA) for the City and provides information for the PHA sections of the Plan. Staff coordinate with other Departments to conduct housing analysis and implementing assess fair housing actions. Staff service on the CoC and administer the CoC grant providing supportive housing for homeless with disabilities. 5 Agency/Group/Organization City of Dubuque Leisure Services Department Agency/Group/Organization Type Services -Children Grantee Department What section of the Plan was addressed by Consultation? Non -Homeless Special Needs Public Facilities How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The group was consulted to determine the demand for youth programs and to evaluate the need for accessibility improvements in parks and recreational areas. 6 Agency/Group/Organization Dubuque Community YMCA/YWCA Agency/Group/Organization Type Services -Victims of Domestic Violence Civic Leaders What section of the Plan was addressed by Consultation? Homelessness Strategy Homeless Needs - Families with children Non -Homeless Special Needs Consolidated Plan DUBUQUE 10 OMB Control No: 2506-0117 (exp. 06/30/2018) How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The organization was consulted for homeless and non -homeless needs for victims of domestic violence, equity, restorative justice, and leadership development. 8 Agency/Group/Organization Greater Dubuque Development Corp Agency/Group/Organization Type Services -Children Grantee Department What section of the Plan was addressed by Consultation? Economic Development Market Analysis How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The City partners with GDDC to provide workforce solutions, newcomer services, data and resources for employers and job seekers, and technical assistance for small businesses. Consultation is primarily focused needs of workforce and employers. Additional they help small businesses develop plans and applications for CDBG funded loans. The City is currently working with GDDC to on the rehabilitation of older and substandard housing in targeted areas of Dubuque. 9 Agency/Group/Organization Affordable Housing Network, Inc. (AHNI) Agency/Group/Organization Type Housing What section of the Plan was addressed by Consultation? Non -Homeless Special Needs Market Analysis How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The Affordable Housing Network, Inc.(AHNI) recently partnered with the City to bring a responsible rent -to -own model to affordable housing as part of a neighborhood vitalization strategy and needs for affordable Continuum of Care (CoC) supported housing for low/moderate income renters. 11 Agency/Group/Organization CRESCENT COMMUNITY HEALTH CENTER Agency/Group/Organization Type Services -Health What section of the Plan was addressed by Consultation? Non -Homeless Special Needs Anti -poverty Strategy Consolidated Plan DUBUQUE 11 OMB Control No: 2506-0117 (exp. 06/30/2018) How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? Crescent Community Health Center leads efforts to remove barriers for healthcare for low-income populations as well as traditionally under -served populations. As lead for the Dubuque Pacific Islander Health Project, they provide critical services to recent immigrants predominantly from the Marshall Islands. 12 Agency/Group/Organization DUBUQUE RESCUE MISSION Agency/Group/Organization Type Services -homeless What section of the Plan was addressed by Consultation? Homelessness Strategy Homeless Needs - Chronically homeless How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The organization is a partner with the city providing shelter and homeless services. They were interviewed as a key stakeholder to provide input into homeless and other community needs and best practices. 13 Agency/Group/Organization Planning Department Agency/Group/Organization Type Other government - Local What section of the Plan was addressed by Consultation? Housing Need Assessment Economic Development How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The city has begun a year -long initiative to engage the community in the development of a poverty prevention plan. Eight focus groups were held to solicit feedback on community needs for housing in the larger context of improving conditions that may lead to poverty and solicit feedback on housing and other economic needs to inform the plan. A representative was interviewed as a Key stakeholder to provide input into other community needs and best practices. 14 Agency/Group/Organization United Way of Dubuque Area Tri-States Agency/Group/Organization Type Services -homeless Services -Health What section of the Plan was addressed by Consultation? Homelessness Strategy Non -Homeless Special Needs Anti -poverty Strategy Consolidated Plan DUBUQUE 12 OMB Control No: 2506-0117 (exp. 06/30/2018) How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? United Way is the lead agency coordinating the CoC Eastern Iowa Service Region for single point of entry homeless services and provides funding, education, resources and capacity building. United Way hosted focus and participated in focus groups that informed the Community Development Block Grant (CDBG) Consolidated plan and provided critical insight through Key Informant interviews to identify additional priority needs. They are a partner in anti- poverty efforts and substance abuse recovery strategy, as well as other homeless and victims of domestic violence regional strategies. 15 Agency/Group/Organization Fountain of Youth Agency/Group/Organization Type Services -Children Neighborhood Organization What section of the Plan was addressed by Consultation? Anti -poverty Strategy How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The Fountain of Youth hosted a focus group to gather input on community development, housing, and anti -poverty strategies. 16 Agency/Group/Organization Dubuque Branch NAACP Agency/Group/Organization Type Housing Services -Children Services -Education Service -Fair Housing Civic Leaders Services- Food What section of the Plan was addressed by Consultation? Housing Need Assessment Economic Development Market Analysis Anti -poverty Strategy Consolidated Plan DUBUQUE 13 OMB Control No: 2506-0117 (exp. 06/30/2018) How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? Specific outreach was made to the NAACP Friends of Fair Housing throughout the year. As part of the targeted effort on the Consolidated Plan and Analysis of Impediments to Fair Housing an additional interview was held, and a Friends of Fair Housing presentation was attended. Specific strategies presented around Fair Housing, safe affordable quality housing, equity in housing, services needed in the downtown area, and food insecurity, availability, and affordability have been incorporated into these plans and linkages made for incorporation into to Equitable Poverty Prevention planning. 17 Agency/Group/Organization IOWA FINANCE AUTHORITY Agency/Group/Organization Type Other government - State What section of the Plan was addressed by Consultation? Housing Need Assessment Homelessness Strategy Market Analysis How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? The City of Dubuque Housing & Community Development Department coordinates with the Iowa Finance Authority to maintain information on the Balance of State, changes in needs, barriers to addressing those need, funding resources, and fair housing issues. 18 Agency/Group/Organization Iowa Legal Aid Agency/Group/Organization Type Services - Housing Service -Fair Housing What section of the Plan was addressed by Consultation? Housing Need Assessment Consolidated Plan DUBUQUE 14 OMB Control No: 2506-0117 (exp. 06/30/2018) How was the Agency/Group/Organization consulted and what are the anticipated outcomes of the consultation or areas for improved coordination? Iowa legal aid provides annual Fair Housing training to City staff, the CDAC, and the community at large. The agency provides legal support on tenant - landlord as well as homeowner issues for income eligible residents. Iowa legal aid was contacted for input into the Analysis of Impediments to Fair Housing. The City assisted Legal Aid in seeking an FHIP grant and ensuring City staff, CDAC commissioners, and others receive a minimum of 3 hours of annual training in fair housing, partially provided by Legal Aid to address disparate impact and fair housing barriers in Dubuque. The agency plans to continue to work with Legal Aid for training and technical assistance on Fair Housing and other Fair Housing events. Identify any Agency Types not consulted and provide rationale for not consulting The consultation outreach and effort reflect the City's commitment to ensuring that all community members have a voice in the citizen participation process and that a wide net of partners was included in guiding Dubuque's CDBG planning. 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 Iowa Finance Authority Balance of State Move homeless families quickly to permanent housing reducing the time individuals and families experience homelessness and coordinate resources to provide a continuum of services. 50% by 2030- Community Climate Action & Resiliency City of Dubuque A voluntary effort adopted in 2013 to identify opportunities to reduce Dubuque's community greenhouse gas emissions. Analysis of Impediments 2019 Human Rights- City of Dubuque Update of the 2015 analysis for 2020 to identify and remove current barriers to fair housing. Promote equity in housing and resources throughout the city of Dubuque. Public Works, LLC was contracted to conduct the assessment. Consolidated Plan DUBUQUE 15 OMB Control No: 2506-0117 (exp. 06/30/2018) Name of Plan Lead Organization How do the goals of your Strategic Plan overlap with the goals of each plan? City Capital Improvement Plan Budget Department- City of Dubuque Goals are updated early the City's fiscal year to inform continued planning and evaluation. Many goals align with the strategic plan. City Equity Report Equity Core Team- City of Dubuque Equity efforts complement the plans goals around increasing the affordability of housing and providing suitable living environments. Equitable Poverty Prevention Planning Services- City of Dubuque The city has begun a year long initiative to engage the community in the development of a poverty prevention plan. Eight focus groups were held to solicit feedback on community needs for housing in the larger context of improving conditions that may lead to poverty. Imagine Dubuque 2037 Planning Services- City of Dubuque The City's Comprehensive Plan aligns with the Consolidated Plan and the Action Plan to remove barriers to fair housing, improve housing stock, and increase economic vitality in the city of Dubuque and surrounding area. PHA- Annual Plan Housing & Community Development- City of Dubuque PHA plan provides detail about program operation, populations served and strategy to assist low and very low-income households and improve affordable safe rental housing. Sustainable Dubuque City of Dubuque Sustainable Dubuque is the City's brand that focuses on a balanced, inclusive, and equitable approach to future growth and sustainability. This work is closely linked with CDBG initiatives including its assessment and planning in Resiliency, long-term life quality, social capital, infrastructure design and economic prosperity. This work further detailed in their recent report which is included in the appendices of this document. 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(1)) The City works in close coordination with the Omaha HUD office, Iowa Finance Authority, State of Iowa, and Dubuque County. Narrative (optional): Public and private partnerships remain a high priority for the City of Dubuque to identify and address community needs. The City has taken significant steps to coordinate resources to increase the quality of Consolidated Plan DUBUQUE 16 OMB Control No: 2506-0117 (exp. 06/30/2018) living for all residents. Housing affordability continues to be the largest housing problem experienced in Dubuque. The aging housing stock also presents issues with deterioration due to neglect, inability to afford repairs, presence of lead -based paints, and high costs associated with rehabilitating historic properties continue to impact the lowest income residents at a disproportionate rate. To improve housing conditions for these populations, the Housing & Community Development Department adopted the International Property Maintenance Code, Implemented the use of a Priority Category Designation for landlords, and implemented a tiered inspection schedule. The tiered and priority category designation approach to rental inspections devotes more resources to inspect and enforce on sub- standard rental properties. This enhanced inspection program combined with financial resources to improve the existing rental housing is designed to focus resources to benefit those most at risk from exposure to hazards related to residing in sub -standard housing. Effectively reducing barriers to fair housing requires coordination between government, housing providers, advocacy groups, residents, law -enforcement, legal, and policy makers. The City's coordinated approach hinges on providing education and resources about fair housing, successful rental property management, affordable housing resources, and expectations for safety and equity. Consolidated Plan DUBUQUE 17 OMB Control No: 2506-0117 (exp. 06/30/2018) PR-15 Citizen Participation — 91.105, 91.115, 91.200(c) and 91.300(c) 1. Summary of citizen participation process/Efforts made to broaden citizen participation Summarize citizen participation process and how it impacted goal -setting The City of Dubuque facilitated a comprehensive citizen participation process that actively engaged diverse members of the community. Insights gathered from the public meetings, focus groups, and community forums that comprised the citizen participation process directly inform the Consolidated Plan goals. The City made deliberate and thoughtful efforts to prioritize breadth of input and conducted targeted outreach to non- English speaking persons, minorities, persons with disabilities, and other vulnerable and/or marginalized communities. The goals of the City reflect this commitment to ensuring that all community members have a voice in the citizen participation process and in guiding Dubuque's future. Efforts to broaden citizen participation centered around ensuring low- and middle -income consumers were actively engaged: when needed, an interpreter was present e.g. with the Marshall Islander -centered focus group. Outreach was conducted through city staff, consultants, and the nonprofits that hosted focus groups. The community survey was available at the City Expo, a large annual event, and widely distributed with help from government and community partners. In addition to these efforts, the Imagine Dubuque Comprehensive Plan, built from a year of community outreach that included 60 community dialogues, 1,995 completed online surveys, 6,000 participants, and over 12,500 community -generated ideas, serves as a key resource for understanding where the Dubuque community stands on a wide range of core issues, including housing. The City ensures meaningful input in the planning, implementation, and assessment of the CDBG program through a Community Development Advisory Commission (CDAC). The 9-member council is comprised of four citizens -at -large, four citizens representing census tracts with 51% low/moderate income persons, and one representative from the housing commission. The commission is charged with ensuring meaningful community input in the plan, identifying community needs, advising the city council, and monitoring activities among other responsibilities. The Community Development Advisory Commission meets monthly and is open to the public. Meetings are at 5:30 pm in the Housing Conference Room, located in Dubuque's downtown on a bus route. The Community Development Advisory Commission reviews the Citizen Participation Plan annually. Agendas are posted in the Housing Department, City Hall, and distributed to a list serve where anyone can receive notification when agendas and reports are posted online. The commission provides citizens an opportunity to comment on proposed plans, Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 18 performance, and reports. Comments can also be submitted in writing, by phone, or electronically through the City's website. The Citizen Participation Plan describes the roles, responsibilities, and contact information of entities involved in administering, reviewing, and approving activities included in this report. The Community Development Advisory Commission accepts comments on performance at all meetings, but also has an online form for comments throughout the year. City staff is also available to accept comments on performance on a daily basis over the phone or through email and brings any comments received to the Community Development Advisory Commission to be recorded in the minutes and commented on by the public/commission members. The Consolidated Plan and Analysis of Impediments was posted on the Agency website for public comment in November 2019 and underwent review/approval by the Community Development Advisory Commission in December 2019; City Council review/approval and public hearings took place in December 2019 and January 2020. Public Hearing notices were posted and are attached in the appendices. 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 Internet Outreach Non- targeted/broad community Input is received throughout through a public comment web form on the CDAC website throughout the year No comments were received All comments were accepted Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 19 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) 2 Public Hearing Non- targeted/broad community December 18th CDAC public meeting and public hearing on CDBG Consolidated Plan TBD All Comments received are accepted 3 Public Hearing Non- targeted/broad community December 18th CDAC public meeting and public hearing on Analysis to Impediments to Fair Housing TBD All Comments received are accepted 4 Public Meeting Non- targeted/broad community City Council meeting January 20, 2020 TBD All Comments received are accepted Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) Table 4 — Citizen Participation Outreach DUBUQUE 20 Needs Assessment NA-05 Overview Needs Assessment Overview The Needs Assessment provides an understanding of the environment, and in conjunction with information gathered through consultations and the citizen participation process, and the Analysis of Impediments provides the picture for the City's needs related to affordable housing, special needs housing , community development and homelessness in which the jurisdiction administers its programs over the course of the Consolidated Plan period. Together with Consultation, the Market Analysis, the Needs with the highest priority provide the basis for the strategic plan and the programs and projects to be administered. Many of the Housing and Urban Development tables have been prepopulated by HUD with a default data set based on the most recent comparable data available. The tables have been supplemented in some cases with alternative data sources and supporting information to provide the clearest and most current picture of the Needs in the City of Dubuque. Age and Sex Dubuque's population is aging. Women make up a large portion of the very elderly. Average wages and income for women is substantially lower across the population of the City of Dubuque than it is for men. lum Ccuritryr Number of Persons 1 Percent of retail Pap u Wien #1 country of flrigh Oceania n...e.c 209 0.4% #2 country of origin India 183 0.3% Mexico 152 0,3% #3 country., of Origin #4 country., of origin China excluding Hong Kong and Taiwan 144 0.2% #5 country of flrig i Korea 113 0.2% #3 country of ofigin Bois rtia and Herzegovina 8.3 0.1 % #7 country of origin Germany 78 0_1 #8 ooun of origin JapLarb 82 0.1 % #9 country of origin Ethiopia 52 0.1% #10 country of origin Canada 51 0.1 % Placeaf Birth for the Foreign-9.orn Population Cityflf Dubuque 2017 Five-YearACS Consolidated Plan Country of Origin DUBUQUE 21 OMB Control No: 2506-0117 (exp. 06/30/2018) Place of Birth- Foreign -Born The number of foreign -born persons is shown above. An estimated 0.4 percent of the population was born in Oceania n.e.c. In the City of Dubuque this population is from the Marshall Islands, Some 0.3 percent were born in India, and another 0.3 percent were born in Mexico. Humber #1 LEP Language. Other Asian and PacifcIsland languages PI urnbar of Pomona 266 Percent of Total Pop ulailon 0.5% LEP Language Chinese 226 0.4% _#2 #3. LEP Language Spanish 162 0.3% #4 LEP Language Other Indo-European languages 84 0.2% #5 LEP Language French, Haitian, or Cajun 66 0,1% #6 LEP Language Russian, Polish, or other maw is languages 44 0.1 % #7 LEP Language German or other West Germanic !engages 4t 0.1 6 #SLEP Language Tagalog 16 0% #9 LEP Language Other and unspecified languages 9 0% #10 LEP Language Arabic 6 0% a Limited English Preficiencyand Language5pakenat Hume Cityof Dubuque 2fl17 Five-YearACS Language Spoken at Home Limited Language Proficiency and Language Spoken at Home Limited English Proficiency and the language spoken at home are shown in the table above. An estimated 0.5 percent of the population speaks other Asian and Pacific Island languages at home, followed by 0.4 percent speaking Chinese. Consolidated Plan DUBUQUE 22 OMB Control No: 2506-0117 (exp. 06/30/2018) Demographics Race • White ■ Black ■ limericin Irrdivn As ism • IN alive I la w•i him" PeciFit Islander • OLh er ■ Tied c-ar Mcre Races City of Dubuque by Race 2017 Demographics- Ethnicity ■1.1FeaMol i City of Dubuque Hispanic Population 2017 Consolidated Plan DUBUQUE 23 OMB Control No: 2506-0117 (exp. 06/30/2018) REM White 2010 CensLis PoirdlaticM. 52,859 % of Total 91,70% 2017 Five -Year AC5 P09 uJatl 52,934 % of Tail 90.60% Black 2,302 4% 2„550 4.40% Arne1c i l 155 0.30% 45 0.10% Asian 859 1.10% 864 1.50% r4Jthre H . 268 0,50% 357 0.609 Other 365 0.60' 330 0.60% Twee.'" MO 1,018 1,80% 1,320 2.30% Total MO 7 100.00'Ai 58 10 + Non-Hl -... 56,254 97.60% 57,123 97.80% HiSpani[ 1,383 2.1O% 1,287 2.20% Tolid._ 57,637 100.00% 58,410 1 A6% Changes in Race and Ethnicity Demographics- Change in Race and Ethnicity (2010-2017) During this time period, the total Hispanic population is estimated to have decreased to 1287. The total Black or African American population is estimated to have increased by 10 percent to 2539 and those residents identifying as Two or More Races increased by 30 percent to 1320 persons. Consolidated Plan DUBUQUE 24 OMB Control No: 2506-0117 (exp. 06/30/2018) NA-10 Housing Needs Assessment - 24 CFR 91.205 (a,b,c) Summary of Housing Needs The percentage of household income spent for mortgage costs or gross rent, commonly called cost - burden, is by far the most prevalent problem in Dubuque, for owned and rented households alike. According to Housing and Urban Development guidelines, households spending more than 30 percent of income for these housing costs are cost burdened. There are both emerging and legacy issues with the City's housing stock that effect low- and moderate - income persons and families disproportionally. This, like the added cost and health burden of energy - inefficient or aging housing, presents an issue for equity as well as economic vitality. The lack of energy efficiency measures in much of Dubuque's housing stock and the persistence of lead paint in many structures, are a documented health, economic, and equity challenge for the City. Rental housing costs have been rising more rapidly than home purchase prices, placing an economic stress on renting households who are typically younger or economically disadvantaged relative to homeowners. According to ACS 2013-2017, there were an estimated 23,974 households in the City of Dubuque the average household size was 2.27 people. Families made up 59.4 percent of these households including both married -couple families (44.0 percent) and other families (15.4 percent). Female householder families with no husband present and own children under 18 years are 6.9 percent of all households. Nonfamily households made up 40.6 percent of households. Forty-eight percent of renter households are paying more than 30 percent of their household income for rent, while 21 percent of selected monthly owner costs as a percentage of household income is more than 30. In Dubuque, 27.4 percent of all households have one or more children under the age of 18 and 26.8 percent of all households have one or more people 65 years and over. The poverty rate is 16.3% (higher than the national average at 14.6%). In 4.2% of Dubuque homes, a language other than English is spoken at home. Population by race and ethnicity through 2017 in shown in the following charts. The white population represented 90.6 percent of the total population in 2017, compared with the black or African American population accounting for 4.4 percent of the total population in 2017. Hispanic households represented 2.2 percent of the total population in 2017. Many of these needs were also identified through the Imagine Dubuque 2037, the City's comprehensive stakeholder engagement and planning process. Imagine Dubuque, was a community -driven approach, based on inclusive community engagement, issues and initiatives. The result is a focused, meaningful community plan with 32 goals and 110 recommendations in 7 major categories. Plan development was inclusive, highly engaging, and representative of our community. In total, we received over 12,500 ideas which were inventoried and grouped by association into themes for the Imagine Dubuque plan. The plan didn't end in 2017; it's now "A Call to Action." Just as Imagine Dubuque Consolidated Plan DUBUQUE 25 OMB Control No: 2506-0117 (exp. 06/30/2018) was built on community engagement, plan implementation requires an engaged community — one that pulls together, combines resources, and shares in the vision of making Dubuque more viable, livable, and equitable. Implementation relies on organizations and partnerships to effectively address the plan's recommendations. Both housing and non -housing needs identified are shown below. A summary of the stakeholder process and the comprehensive plan is included in the appendices. A 2019 CDBG and poverty community specific survey, focus groups, key stakeholder interviews and citizen participation in the Community Development Advisory Commission (CDAC) provided additional updates, ideas and confirmation of these resident driven ideas. Demographics Base Year: 2010 Most Recent Year: 2017 % Change Population 57,637 58,410 1% Households 23,581 23,974 2% Median Income $41,879.00 $50,171.00 20% Table 5 - Housing Needs Assessment Demographics Alternate Data Source Name: 2017 ACS 5-Year Population Estimate Data Source Comments: The data was updated to reflect the most recent census data Number of Households Table 0-30% HAMFI >30-50% HAMFI >50-80% HAMFI >80-100% HAMFI >100% HAMFI Total Households 2,945 3,130 4,850 2,745 10,235 Small Family Households 790 640 1,460 1,110 5,165 Large Family Households 150 135 290 130 555 Household contains at least one person 62-74 years of age 335 510 1,015 610 1,995 Household contains at least one person age 75 or older 510 760 860 310 810 Households with one or more children 6 years old or younger 450 415 620 550 690 Data Source: 2011-2015 CHAS Table 6 - Total Households Table Consolidated Plan DUBUQUE 26 OMB Control No: 2506-0117 (exp. 06/30/2018) Living alone _. Fond& liausdi er_ Living alone 7% Mile Nausehtld Household Type Family households 2351. Female huustholder 7ff Household Type :Farm r Households 2010Can Dui' Houssingkls 13,888 HaaMil ads 59,1 6 2017 Few-YearACS Hausa' olds 14,239 of Toiai 59.4 6 Married -Couple Farm 10,256 73.8% 10.5.38 74 6 Owrrar-Occtpled 9,016 87.96 9,037 85.8% Renter -Occupied 1,240 12.1 % 1,501 14.2% Other Fart* 3,632 26,2% 3,701 25.5% Male Hoixsehotder, No Spouse Present 1,015 27.9% 1,066 27.4% Owner -Occupied 624 61.5% 567 53.2% Renter- Occu pied 391 38.5% 499 46.8° 6 Female Househoklor, No Spouse Present 2,617 72.1% 2,635 70.7% Owner -Occupied 1.271 48.6% 1,145 43.5% Renter -Occupied 1,346 51,4% 1,490 56.5 6 Non-Farr►gyr Households 9.618 40.9% 9,735 40.6% Owner -Occupied 4,535 47,2% 4,426 45.5% Renter -Occupied Total 5,083 23,M a 52.86 100,01 5,309 23,974 54.5'6 100.0% Households- by Type Household Types Household Type by Tenure Cityof Dubuque 2O1.0 Census5F1 F. 2017 Five -Year ACS Data Household types is shown above. Family households represented 59.4 percent of households, while non -family households accounted for 40.6 percent relatively stable from 2010 to 2017. Consolidated Plan DUBUQUE 27 OMB Control No: 2506-0117 (exp. 06/30/2018) S-person household -- 5% 21 -pus oft IroieselralI_ 10% 3-ier3an �rau7.la7d 1.1% Dubuque household size Hou5ehald Size Fir-more- jier3a-11 dperson hausleiold _ _ _ —household 2% ---- 1% Household Size Sixty-eight percent of Dubuque households are 1-2 person households. 2010 Ftvo-Ya #lous.lhokds AC.-3 % of TIMM 2017 F Eva Hour lho4ds -Year ACS % of Tel Lass t $15,c x) 3,062 13% 2,902 12.1% $15, to $19.1999 1.463 5.2% 1.325 5. 5% 0,IXX) to $24,999 1,761 7.5% 1,477 6.2% $25, to $34.999 3.300 14% 2,404 10% $35,0[111 to $49,999 4,0 17.1 6 3,841 16 $50, to $74.999 4,504 19.1 % 5,030 21 % $75,01:10 to $ 9,9r99 2,821 112% 3,242 13.55+6 $1 00006 or More Mail 2,663 23,1123 11.3% 100.0% 3,753 23, 74 15.7% 5O0 0% Households by Income Households- Income Households by Income Cityof Dubuque 2010. 2017 Fire -bear ACS Data Households by Income for the 2000 and 2017 5-year ACS are shown above. Households earning more than 100,000 dollars per year represented 15.7 percent of households in 2017 compared to 11.3 percent in 2010. Meanwhile, households earning less than 15,000 dollars accounted for 12.1 percent of households in 2017 compared to 13 percent in 2010. Consolidated Plan DUBUQUE 28 OMB Control No: 2506-0117 (exp. 06/30/2018) FAMILY TYPE AND PRESENCE OF RELATED AND OWN C H lL D REN Fawn I lies 13,888 100 KO related children under 18 years 6,366 45.8 With own children under 18 years 6.027 43.4 Under 6 years o 9 ty 1,539 11.1 Under 6 and 6 to 17 years 1,203 8.7 6to 17years only 3,285 23.7 Husband -wife earn ll lea 10,256 100 With related children under 18 years 3,945 38.5 With own children under 18 years 3,786 36.9 Under 6years only 874 8.5 'Under 5 and 6 to 17 years 781 7.6 6to 17years only 2,131 20.4 Female householder, no husband present families 2.617 100 With related children under 18 years 1,800 68,8 With own children under 18years 1,664 63.6 Under 6years city 492 18.8 Under 6and 6to 17 years 317 12.1 6to 17years only Households- Children Present Households with Children Present Family type according the ACS 2017 is broken out to show the presence of young and older children to supplement the household table. Consolidated Plan DUBUQUE 29 OMB Control No: 2506-0117 (exp. 06/30/2018) 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 65 85 120 10 280 10 0 0 0 10 Severely Overcrowded - With >1.51 people per room (and complete kitchen and plumbing) 35 15 4 50 104 0 0 0 15 15 Overcrowded - With 1.01-1.5 people per room (and none of the above problems) 15 25 20 20 80 0 0 40 0 40 Housing cost burden greater than 50% of income (and none of the above problems) 1,545 430 100 10 2,085 455 260 65 35 815 Consolidated Plan DUBUQUE 30 OMB Control No: 2506-0117 (exp. 06/30/2018) 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) 240 770 510 50 1,570 115 330 680 160 1,285 Zero/negative Income (and none of the above problems) 105 0 0 0 105 100 0 0 0 100 Table 7 — Housing Problems Table Data Source: 2011-2015 CHAS Housing Problems 2a17 i 5.o" 10.003: 15.DD% 24A09d 25C:7' . 31 OCted.&irdened ElKi[chen 'laver& crwdir'* ■Pkrnhlni Housing Problems Housing Problems Households are classified as having housing problems if they face incomplete kitchen or plumbing facilities, overcrowding, or cost burdens. Cost is by far the most predominant housing issue in the City of Dubuque, with 27.3 percent of households experiencing some type of cost burden overall. Consolidated Plan DUBUQUE 31 OMB Control No: 2506-0117 (exp. 06/30/2018) Flousireg Problems- Kitchen • With CanplrLe Kitchen' FetilititS ▪ Lacking Complete IGtchen FaLiliLies Housing Problems- Kitchen Facilities Housing Problems- Numbing Kitchen and Plumbing Facilities • WiLh ComPIG Le Plumbing FeciliLi G5 • Lnukiri. tompleLe Plumbing Facilities 13,174, 99.C%6 Housing Problems- Plumbing Incomplete plumbing and kitchen facilities are an indicator of housing problems. Incomplete plumbing facilities are when any of the following are not present: The lack of piped hot and cold water, a flush toilet, and a bathtub or shower. There was a total of 100 units without complete plumbing facilities or .4% of Dubuque households. (2017-Five-year ACS). This compares to .5% in 2010. Incomplete kitchen facilities are when any of the following are not present: A sink with piped hot and cold water, a range or cook top oven, and a refrigerator. There was a total of 300 complete kitchen Consolidated Plan DUBUQUE 32 OMB Control No: 2506-0117 (exp. 06/30/2018) facilities or 1.3% of Dubuque households (2017 Five-year ACS). There was no change between 2010 and 2017. 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 1,655 555 250 95 2,555 465 260 105 55 885 Having none of four housing problems 455 1,340 1,735 755 4,285 165 980 2,760 1,840 5,745 Household has negative income, but none of the other housing problems 105 0 0 0 105 100 0 0 0 100 Table 8 — Housing Problems 2 Data Source: 2011-2015 CHAS 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 560 395 235 1,190 140 105 245 490 Large Related 150 44 25 219 0 70 95 165 Elderly 275 359 270 904 320 265 180 765 Other 915 450 195 1,560 110 145 230 485 Total need by income 1,900 1,248 725 3,873 570 585 750 1,905 Data Source: 2011-2015 CHAS Consolidated Plan Table 9 — Cost Burden > 30% DUBUQUE 33 OMB Control No: 2506-0117 (exp. 06/30/2018) 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 510 165 60 735 115 50 0 165 Large Related 140 4 0 144 0 35 0 35 Elderly 220 139 125 484 230 110 40 380 Other 760 145 25 930 110 65 25 200 Total need by income 1,630 453 210 2,293 455 260 65 780 Data Source: 2011-2015 CHAS Table 10 — Cost Burden > 50% 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 50 40 24 50 164 0 0 10 15 25 Multiple, unrelated family households 0 0 0 0 0 0 0 30 0 30 Other, non -family households 0 0 0 20 20 0 0 0 0 0 Total need by income 50 40 24 70 184 0 0 40 15 55 Table 11— Crowding Information — 1/2 Data Source: 2011-2015 CHAS Overcrowding Overcrowding is defined as having from 1.1 to 1.5 people per room per residence, with severe overcrowding defined as having more than 1.5 people per room. In 2017, an estimated .4 percent of all households were overcrowded, and an additional .6 percent of all households were severely overcrowded (2017 Five-year ACS). In 2010 an estimated .7% of households were overcrowded, and an Consolidated Plan DUBUQUE 34 OMB Control No: 2506-0117 (exp. 06/30/2018) additional .6% were severely overcrowded. Overall, this is an increase from 1% (2010) to 1.3% with increasing severity. Overcrowding vs Severe Overcrowding 5D 143 150 ZOO 250 300 ■O ry ow ir►s 5eVe-e ClyertriMing Severity of Overcrowding 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 Data Source Comments: Table 12 — Crowding Information — 2/2 Not Available at the local level Describe the number and type of single person households in need of housing assistance. The 2017 5-Year ACS estimates are that 7,813 or about 33 percent of all occupied housing units are single person households, with 3,833 renters and 3,980 owner occupied units. As of October 1, 2019, there were 358 single persons on the waiting list for mod -rehab which constituted 33.7 percent of the total wait list. Similarly, there were 529 single persons on the Housing Choice Voucher waitlist which constituted 33.7 percent of that list. The housing needs for single persons who are homeless are in excess of the current resources, without factoring the population that is in the doubled up or moving from friend to friend's house. Of these 7,813 single person households, about 21 percent are 15 to 34 years, 43 percent are 35 to 64 years old and 36 percent are 65 and older. Consolidated Plan DUBUQUE 35 OMB Control No: 2506-0117 (exp. 06/30/2018) 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. The disability rate for females was 14 percent, compared to 11.5 percent for males. The disability rate grew precipitously higher with age, with 46.6 percent of those over 75 experiencing a disability. For persons age 5 and over 6.6 percent have an ambulatory disability, 5.3 percent have an independent living disability, and 2.5 percent have a self -care disability (2017 five-year ACS). What are the most common housing problems? Cost Burden is by far the most prevalent problem. Affordability, housing choice, and ensuring healthy homes are all important components of quality housing in Dubuque. Across the stakeholder groups, housing was repeatedly mentioned as a barrier and poverty factor, and the data supports this. The percentage of household income spent for mortgage costs or gross rent, commonly called cost -burden, is by far the most prevalent problem in Dubuque, for owned and rented households alike. Overall overcrowding has increased slightly, however severe overcrowding has increased significantly (With 1.01-1.5 people per room) to severely overcrowded (with <1.51 people per room). The lack of energy efficiency measures in much of Dubuque's housing stock and the persistence of lead paint in many structures, are a documented health, economic, and equity challenge for the City. Are any populations/household types more affected than others by these problems? Single family rental households make up 89 percent of the renting households experiencing overcrowding for families under 100 percent of Area Median Income. Overall Renters are more likely to experience cost- burden than owners. Just under 35 percent of households under 50 percent AMI contain at least one person over 65. In the low- and moderate -income categories up to 80 percent AMI, 23.3 percent or renting households experiencing cost burden (>30 percent) are elderly and 40.2 percent of owner households experiencing cost burden are elderly. For households in this income category experiencing severe cost- burden (>50 percent), 21.1 percent are elderly and 48.7 percent of owner households experiencing severe cost burden are elderly. 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 Consolidated Plan DUBUQUE 36 OMB Control No: 2506-0117 (exp. 06/30/2018) High housing costs, low vacancy rates for affordable housing, and poor -quality housing are most associated with instability and increased risk of homelessness. Single female head of households are more likely to be cost -burdened. Many individuals and families in the City of Dubuque may sleep in temporary arrangements (on the floors or couches of friends and family) due to the high cost burden and low availability of affordable housing. There were 142 children designated as homeless in the local school system at the time of the point in time study and their sleeping and family situation is unknown. HUD also does not consider those who may be frequently moving from on unstable housing situation to another as literally homeless, but many individuals and families in the City of Dubuque may sleep in temporary arrangements (on the floors or couches of friends and family) due to the high cost burden and low availability of affordable housing. Expansion and supporting the availability of rapid re -housing programs and resources has been identified as a need by local service providers. Housing and Community Development staff continue to work with the local United Way and other service providers to implement single -point -of entry for homeless needing access to services. The City Council also allocated general funds in FY 20 to provide money to support rapid re -housing efforts. Single family rental households make up 89 percent of the renting households experiencing overcrowding for families under 100 percent of Area Median Income. Overall Renters are more likely to experience cost- burden than owners. Just under 35 percent of households under 50 percent AMI contain at least one person over 65. In the low- and moderate -income categories up to 80 percent AMI, 23.3 percent or renting households experiencing cost burden (>30 percent) are elderly and 40.2 percent of owner households experiencing cost burden are elderly. For households in this income category experiencing severe cost- burden (>50 percent), 21.1 percent are elderly and 48.7 percent of owner households experiencing severe cost burden are elderly. 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: Dubuque does not provide estimates of the at -risk populations. Specify particular housing characteristics that have been linked with instability and an increased risk of homelessness High housing costs, low vacancy rates for affordable housing, and poor -quality housing are most associated with instability and increased risk of homelessness. Single female head of households are more likely to be cost -burdened. Many individuals and families in the City of Dubuque may sleep in temporary arrangements (on the floors or couches of friends and family) due to the high cost burden and low availability of affordable housing. There were 142 children designated as homeless in the local school system at the time of the point in time study and their sleeping and family situation is unknown. Consolidated Plan DUBUQUE 37 OMB Control No: 2506-0117 (exp. 06/30/2018) Discussion The population in City of Dubuque remained steady increasing slightly from 57,637 persons in 2010 to an estimated 58,410 people in 2017, or by 1.3 percent. Black and African American populations experience more housing problems when compared to the population. The voluntary compliance agreement specifies the actions under which the City is taking steps to ensure that Black and African American residents have increased access to quality affordable housing throughout the City of Dubuque. The percentage of household income spent for mortgage costs or gross rent, commonly called cost - burden, is by far the most prevalent problem in Dubuque, for owned and rented households alike. According to Housing and Urban Development guidelines, households spending more than 30 percent of income for these housing costs are "cost -burdened". Obligations Under Voluntary Compliance Agreement (VCA) The City of Dubuque, Iowa and the U.S. Department of Housing & Urban Development (HUD) entered into a Voluntary Compliance Agreement (VCA) effective March 31, 2014 to resolve the findings detailed in a June 2013 Letter of Findings to the City of Dubuque. The Letter of Findings was issued after a 2011 civil rights related program review of the City's Housing & Community Development Department. HUD found the City was in noncompliance with Title VI of the Civil Rights Act in the administration of its Section 8 Program. HUD sought voluntary resolution to the findings and agreed to a Voluntary Compliance Agreement with the City of Dubuque. The agreement is effective for seven years and outlines corrective measures for the City's reporting, recordkeeping, and objectives during the term of the agreement. On April 10th, 2019 the Office of Fair Housing and Equal Opportunity recognized the City of Dubuque's compliance with the Agreement thus far and modified the Agreement to reduce the administrative burden on the City by reducing the reporting requirements for the last two years of the Agreement. There were 6139 (51%) households under 80 percent Median Family Income (MFI) with housing problems in 2018. Additionally, some racial/ethnic groups faced disproportionate share of housing problems. One of the concerns from the community is that that not all landlords accept Housing Choice Vouchers. The Source of Income Committee name comes from the practice of landlords in identifying the source of income to pay rent prior to leasing an apartment. Some landlords specifically advertise that they do not accept these vouchers (typically called Section 8) as a source of rent. The Source of Income Committee evaluated creation of an ordinance that would have considered it discrimination to not accept vouchers, researched the Housing Choice Voucher program, conducted residential rental surveys for housing providers and renters, and held community dialogues. The Source of Income Committee ultimately recommended a collective impact approach to adopt and implement a Consolidated Plan DUBUQUE 38 OMB Control No: 2506-0117 (exp. 06/30/2018) mix of educational, outreach, and financial programs to increase housing provider participation in the Housing Choice Voucher program. Some minority populations experience a disproportionately higher percentage of housing problems compared to the population as a whole. African Americans populations owned homes at a rate of 11% compared to 74% of white -not Hispanic- populations. Sixty-five percent of Hispanic households are renter occupied. A general approach to address affordability as a whole would likely benefit minority populations including the small sample sizes of Asian, American Indian, Alaska Native, and Pacific Islander. Consolidated Plan DUBUQUE 39 OMB Control No: 2506-0117 (exp. 06/30/2018) NA-15 Disproportionately Greater Need: Housing Problems — 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 The City of Dubuque continues to make equity and Affirmatively Furthering Fair Housing a priority. Fair Housing Training is provided to all direct service staff once a year in October. Training and development of staff regarding understanding implicit bias was undertaken in FY 2019 and continued into FY 2020. Outreach efforts and education materials for landlords to provide equitable access to affordable housing is continuous. Populations that may have increased barriers to affordable housing choice are targeted for outreach, such as to the Pacific Islander Project for homebuyer programs. The Housing & Community Development Department has a team dedicated to equitable serves that will focus on policy barriers, structural barriers, and other barriers to affordable housing option for all residents, especially those that have been marginalized. HUD defines a population as having a disproportionate share when the percentage of persons in a category of need who are members of a particular racial or ethnic group is at least 10 percentage points higher than the percentage of persons in category as a whole. Cost burden is by far the most common housing problem and impacts both low- and moderate -income households. In the lowest income category, 0 percent to 30 percent it is not surprising that more than 90 percent of the income category has one or more housing problems. For the purposes of comparability, we default to the most recently available by race CHAS data for our analysis. 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 2,475 265 205 White 2,015 225 180 Black / African American 165 20 10 Asian 45 4 0 American Indian, Alaska Native 25 0 0 Pacific Islander 0 0 0 Hispanic 50 8 10 Table 13 - Disproportionally Greater Need 0 - 30% AMI Data Source: 2011-2015 CHAS Consolidated Plan DUBUQUE 40 OMB Control No: 2506-0117 (exp. 06/30/2018) *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 1,910 1,220 0 White 1,680 1,120 0 Black / African American 125 25 0 Asian 30 20 0 American Indian, Alaska Native 0 0 0 Pacific Islander 0 0 0 Hispanic 74 20 0 Data Source: Table 14 - Disproportionally Greater Need 30 - 50% AMI 2011-2015 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 1,550 3,300 0 White 1,370 3,070 0 Black / African American 4 8 0 Asian 40 70 0 American Indian, Alaska Native 0 0 0 Pacific Islander 20 0 0 Hispanic 65 55 0 Data Source: Table 15 - Disproportionally Greater Need 50 - 80% AMI 2011-2015 CHAS Consolidated Plan DUBUQUE 41 OMB Control No: 2506-0117 (exp. 06/30/2018) *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 355 2,385 0 White 295 2,245 0 Black / African American 4 35 0 Asian 0 4 0 American Indian, Alaska Native 10 4 0 Pacific Islander 45 0 0 Hispanic 0 10 0 Data Source: Table 16 - Disproportionally Greater Need 80 - 100% AMI 2011-2015 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 In the lowest income category 0-30 percent, more than 90% of the jurisdiction have one or more of the housing problems so technically no one group has a disproportionate share (more than 10%). The small number of minority households make it difficult to make inferences, however it is worth noting that in several income categories, for some minority groups -more households than not have housing problems. For households with 0 -30 percent and 30 -50 percent of Area Median Income Black/African American, Asian and Hispanic households have more housing problems than not. All 25 American Indian and Native Alaskan Households or 100 percent in this income category had housing problems. 61 percent of households with 30 percent to 50 percent of Area Median Income had one or more housing problems. 32 percent of households with 50 percent to 80 percent of Area Median Income had one or more housing problems. Pacific Islanders had a disproportionate share at 100 percent. Consolidated Plan DUBUQUE 42 OMB Control No: 2506-0117 (exp. 06/30/2018) 13 percent of households with 80 percent to 100 percent of Area Median Income had one or more housing problems. American Indian/ Alaska natives had a disproportionate share at 71.4 percent, and Pacific Islanders at 100%. All 65 Pacific Islander households had housing problems in the income categories in which they appear While the small numbers make it difficult to establish disproportionality and cost -burden is such a prevailing issue in the city of Dubuque, all broad strategies to increase the affordability and accessibility of housing would likely benefit these small minority groups as well as the whole CDBG grantee area. Consolidated Plan DUBUQUE 43 OMB Control No: 2506-0117 (exp. 06/30/2018) NA-20 Disproportionately Greater Need: Severe Housing Problems — 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 disproportionately greater need exists when the members of a racial or ethnic group at a given income level experience housing problems at a greater rate (10 percentage points or more) that the income level as a whole. 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 2,120 620 205 White 1,700 540 180 Black / African American 155 30 10 Asian 45 4 0 American Indian, Alaska Native 25 0 0 Pacific Islander 0 0 0 Hispanic 50 8 10 Data Source: 2011-2015 CHAS Table 17 — Severe Housing Problems 0 - 30% AMI *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 815 2,320 0 White 675 2,125 0 Black / African American 65 85 0 Asian 10 45 0 Consolidated Plan DUBUQUE 44 OMB Control No: 2506-0117 (exp. 06/30/2018) 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 American Indian, Alaska Native 0 0 0 Pacific Islander 0 0 0 Hispanic 64 30 0 Data Source: 2011-2015 CHAS Table 18 — Severe Housing Problems 30 - 50% AMI *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 355 4,495 0 White 285 4,155 0 Black / African American 0 14 0 Asian 14 95 0 American Indian, Alaska Native 0 0 0 Pacific Islander 20 0 0 Hispanic 4 120 0 Data Source: 2011-2015 CHAS Table 19 — Severe Housing Problems 50 - 80% AMI *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% Consolidated Plan DUBUQUE 45 OMB Control No: 2506-0117 (exp. 06/30/2018) 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 150 2,595 0 White 105 2,445 0 Black / African American 0 40 0 Asian 0 4 0 American Indian, Alaska Native 0 14 0 Pacific Islander 45 0 0 Hispanic 0 10 0 Data Source: 2011-2015 CHAS Table 20 — Severe Housing Problems 80 - 100% AMI *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 In the lowest income category 0-30 percent, 77.3 percent of the jurisdiction as a whole have one or more of the severe housing problems. Asian households have a disproportionately greater need at 91.8 percent. All 25 American Indian/Alaska Native Households in the category have at least one severe housing problem. In the next income category, 26 percent of households with 30 percent to 50 percent of Area Median Income had one or more housing problems. Black or African Americans experience disproportionality in the income category at 43.3 percent. There are no American Indian/Alaska Natives, or Pacific Islanders in the income category. Hispanics have a disproportionate share at 68.1%. 7.3 percent of households with 50 percent to 80 percent of Area Median Income had one or more housing problems. Pacific Islanders had a disproportionate share at 100 percent. 5.4 percent of households with 80 percent to 100 percent of Area Median Income had one or more severe housing problems. and Pacific Islanders had a disproportionate share at 100%. All 65 Pacific Islander households had housing problems in the income categories in which they appear Consolidated Plan DUBUQUE 46 OMB Control No: 2506-0117 (exp. 06/30/2018) While the small numbers make it difficult to establish disproportionately with certainty, and cost -burden being such a prevailing issue in the city of Dubuque, all broad strategies to increase the affordability and accessibility of housing would likely benefit these small minority groups who are experiencing severe housing problems. Income is relative to severe housing problems- 0-30 percent households experience severe housing problems at 77.3% as compared to 7.3% for the 80-100 percent AMI group. Equitable Poverty Prevention strategies, such as self-sufficiency programs and supports for basic needs, in conjunction with housing strategies could be more effective when combined. Consolidated Plan DUBUQUE 47 OMB Control No: 2506-0117 (exp. 06/30/2018) NA-25 Disproportionately Greater Need: Housing Cost Burdens — 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: Cost burden is defined as gross housing costs that range from 30 to 50 percent of gross household income; severe cost burden is defined as gross housing costs that exceed 50 percent of gross household income. For homeowners, gross housing costs include property taxes, insurance, energy payments, water and sewer service, and refuse collection. If the homeowner has a mortgage, the determination also includes principal and interest payments on the mortgage loan. For renters, this figure represents monthly rent and selected electricity and natural gas energy charges. Housing Cost Burden Housing Cost Burden <=30% 30-50% >50% No / negative income (not computed) Jurisdiction as a whole 17,410 3,100 3,190 215 White 16,415 2,805 2,650 190 Black / African American 155 85 220 10 Asian 250 60 45 0 American Indian, Alaska Native 14 10 25 0 Pacific Islander 75 0 0 0 Hispanic 160 85 99 10 Data Source: 2011-2015 CHAS Table 21— Greater Need: Housing Cost Burdens AMI Cost Burden by Census Tract Consolidated Plan DUBUQUE 48 OMB Control No: 2506-0117 (exp. 06/30/2018) Map lsysna Black or African Am.ncan clans (not N1spa+Mi] ▪ 157327ut • 27 92-53 06% ■ �S] osx a Cost Burden > 30% by Census Tract Discussion: In City of Dubuque 13.1 percent of households had a cost burden and 13.5 percent had a severe cost burden. Some 21 percent of renters were cost burdened, and 24 percent were severely cost burdened. Owner -occupied households without a mortgage had a cost burden rate of 6.7 percent and a severe cost burden rate of 4.3 percent. Owner occupied households with a mortgage had a cost burden rate of 15 percent, and severe cost burden at 5.8 percent. Hispanics are disproportionally cost burdened (30-50%). Blacks, American Indians, and Hispanics are severely disproportionally cost burdened. It should be noted that the American Indian Population of Dubuque is very small, but of the 49 included 35 were cost burdened or severely cost burdened Consolidated Plan DUBUQUE 49 OMB Control No: 2506-0117 (exp. 06/30/2018) 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? 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? In general, minority populations experience a disproportionately higher percentage of housing problems in all income categories compared to the population as a whole. African American populations are much more likely to rent than own a home. African American populations in Dubuque are much more likely to rent than own a home. According to the American Community Survey 11% of Black/African American populations owned their home compared to 74% of white(non-Hispanic/Latino) populations. Geographic analysis of racial distribution was conducted by calculating the percentage share of total population within each census tract of the sub -population; i.e., racial or ethnic group. That share was then plotted on a geographic map. The goal of this analysis was to identify areas with disproportionate concentrations of each sub -population. HUD defines a population as having a disproportionate share when a portion of a population is more than 10 percentage points higher than the jurisdiction average. Hispanics are disproportionally cost burdened (30-50%). Blacks, American Indians, and Hispanics are severely disproportionally cost burdened. It should be noted that the American Indian and Population of Dubuque is very small, of the 49 included 35 were cost burdened or severely cost burdened. If they have needs not identified above, what are those needs? A targeted approach to address minority populations, including the small sample sizes of Asian, American Indian or Alaska Native, and Pacific Islander is warranted as affordability of rental units for these populations is central. Cultural issues are a barrier for Marshallese to access Housing choice vouchers. Are any of those racial or ethnic groups located in specific areas or neighborhoods in your community? There are no large concentrations of housing problems in specific areas, but to look at cost burden, there is evidence that cost burden among African Americans and other minority groups is high, and those groups tend to be concentrated in the downtown area, locally referred to as "the Flats" in the neighborhoods with the highest number of voucher utilization. Consolidated Plan DUBUQUE 50 OMB Control No: 2506-0117 (exp. 06/30/2018) NA-35 Public Housing — 91.205(b) Introduction The City of Dubuque does not have public housing. This section will address actions to address Assisted Housing Needs, including the Section 8 Housing Choice Voucher Program, Mod -Rehab, Project Based, and Special Needs Assistance Continuum of Care Program. These programs are restricted to low-income renters with incomes at 50% of area median income or less. The Housing Authority was serving 820 households in the voucher program as of April 1, 2019. 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 14 0 834 0 826 0 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 OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 51 1 Durango k � i r 4 " Itt 3S - —.. Map Legend Voucher Concentration 114 Swiss Val ie; Nature Pre sor•.•• .411 • 0.7.2fi 1 7.26.15.58% ▪ 15.58.29.12% ill 29.12.56.76% ■ >56.76 % 4 Iowa DNR Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) Voucher Concentration by Census Tract DUBUQUE 52 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 9,137 0 10,358 0 10,334 0 0 Average length of stay 0 2 0 4 0 4 0 0 Average Household size 0 1 0 2 0 2 0 0 # Homeless at admission 0 0 0 0 0 0 0 0 # of Elderly Program Participants (>62) 0 1 0 157 0 157 0 0 # of Disabled Families 0 8 0 297 0 293 0 0 # of Families requesting accessibility features 0 14 0 834 0 826 0 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 (PIN Information Center) Consolidated Plan DUBUQUE OMB Control No: 2506-0117 (exp. 06/30/2018) 53 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 13 0 630 0 622 0 0 0 Black/African American 0 1 0 183 0 183 0 0 0 Asian 0 0 0 11 0 11 0 0 0 American Indian/Alaska Native 0 0 0 3 0 3 0 0 0 Pacific Islander 0 0 0 7 0 7 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 0 18 0 18 0 0 0 Not Hispanic 0 14 0 816 0 808 0 0 0 *includes Non -Elderly Disabled, Mainstream One -Year, Mainstream Five-year, and Nursing Home Transition Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) Table 25 — Ethnicity of Public Housing Residents by Program Type DUBUQUE 54 Data Source: PIC (PIN Information Center) Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 55 Section 504 Needs Assessment: Describe the needs of public housing tenants and applicants on the waiting list for accessible units: Most applicants are cost -burdened and do not have enough income to pay fair market rent. Many are elderly, disabled, or otherwise unable to obtain enough income or employment that allows for self- sufficiency. In the Mod Rehab program, 98.30% percent of the waiting list in as of October 1, 2019 qualified for Extremely Low Income (84.75%) or Low -Income (13.55%). Similarly, in the Housing Voucher Program 82.29% of persons on the waiting list overall qualified as Extremely low Income. Of the 1,004 applicants on the Mod Rehab waiting list, 36 (3.59%) were disabled. There were 17 applicants on the waiting list for project based vouchers (1.08%). Most immediate needs of residents of Public Housing and Housing Choice voucher holders Hispanics are disproportionally cost burdened (30-50%). The Housing Choice Voucher program is the primary way that the City provides affordable housing, however there are not enough vouchers for all the households in need of affordable housing. Estimates from CHAS data indicate that there are approximately 5600 households <=50% of area median income who may qualify for the voucher program. As of January 2019, the HCV waiting list was at 591. July 2019 was the first month the waiting list was reopened after being closed on February 2018. September 30th, the HCV waiting list was at 96 while the Mod Rehab waiting list was at 1004. Housing choice is also an issue with a limited number of landlords accepting housing vouchers, and a subsequent concentration of vouchers in specific areas of town. There continues to be a need to distribute assisted housing/vouchers throughout the city. This coupled with the over representation of Black/African Americans in assisted living programs creates potential issues with neighborhoods segregated on both race and income. How do these needs compare to the housing needs of the population at large Recipients are more likely to be extremely low income, and/or Black/African American. Where the general population is about 4.4% Black/African American, the Housing Choice Voucher program waiting list was 79.28% Black/ African American at latest (October 1, 2019) report. Most people (62.81%) on the HCV waiting lists are families. For this population and the population at -large there is a need for affordable housing opportunities outside of area of concentrated poverty. Discussion There is a need for more equitable housing policies to ensure equal access throughout the city of Dubuque. The city has made many changes to improve access to Fair Housing. The Analysis of Impediments to Fair Housing has been updated for 2019 and is attached as an appendix to this plan. Consolidated Plan DUBUQUE 56 OMB Control No: 2506-0117 (exp. 06/30/2018) NA-40 Homeless Needs Assessment — 91.205(c) Introduction: The Housing & Community Development Department works closely with the local Continuum of Care. Community Development and Housing Department staff remain in communication with the local Homeless Advisory Council to remain informed and align priorities and funding to address needs of residents experiencing or at risk of homelessness. The Community Development Department assists CoC applicants providing services in the jurisdiction to ensure programming aligns with the needs identified in the Consolidated Plan, and also to amend the Consolidated Plan, if necessary, based on identified needs. A network of service providers coordinates to provide a range of services for homeless and near homeless populations. The Homeless Advisory Council conducts point -in -time homeless counts in January, as required, but also in summer months to identify persons who may seek shelter during severe winter weather but are usually unsheltered. The City's Police Department coordinates with outreach workers to identify unsheltered individuals and provide access to services. The City had 8 organizations providing access to emergency and transitional shelter services during the January 2019 point in time homeless count. Some of these organizations serve specific populations, such as pregnant women and victims of domestic violence. The bed capacity for these organizations is 167 and 116 persons were sheltered. The City Purchase of Services Grants provide funding opportunities for organizations meeting identified human services needs in the community. It is anticipated organizations providing homeless services will continue applying for these resources to meet needs. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 57 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 45 0 0 0 0 Persons in Households with Only Children 142 0 0 0 0 0 Persons in Households with Only Adults 3 52 0 0 0 0 Chronically Homeless Individuals 0 0 0 0 0 0 Chronically Homeless Families 0 0 0 0 0 0 Veterans 0 0 0 0 0 0 Unaccompanied Child 0 0 0 0 0 0 Persons with HIV 0 0 0 0 0 0 Alternate Data Source Name: Homeless Point -in -Time Study 2019 Data Source Comments: Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) Table 26 - Homeless Needs Assessment DUBUQUE 58 Shelter Capacity -January PIT Maria House Tea+da Shelter Dubuque Canusitriuty V Dotrirtelk Vosiette— thrift i Afhrlosl Horne DuhdgJe ilesWr Mgt!on-Trarailiorril a rbrrgJre fkre cue Miisitnr Emergency Hope hbusJ - D 5 tO L5 20 25 3{ 35 ■ 6 mesh. ■ Capacity Sheltered Persons shaltirNam Tere,aSllelter 7yP4 Emerg ncy Capacity 30 Guests %ofCapacity 2a 87% Paixdati on 54nred Women&Children Dubuque Res:ueMlssion-Emergency Emergency 24 30 125% Men DubuqueCammUnity? DAsheStitYitdOntePrOgr n Emergency 17 8 47%YttJmsFJe0IngWO9ene2 Almost Home Emergency 12 7 58% Men Hope House Emergency 8 8 104% FarhSl1es Maty'sInn Maternity 8 4 50% Pregnant Women Maria House Transitional 24 9 38% Women & Children Dubuque Rescue Mlssicn-Transitional Transitional 12 11 92% Men Total Is there Rural homeless?: PIT -Sheltered Has No Rural Homeless Consolidated Plan DUBUQUE OMB Control No: 2506-0117 (exp. 06/30/2018) 59 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): Data is not readily available for the number of persons becoming homeless and exiting homelessness in a year. Providers of services report that they have seen recent increases in both individuals dealing with brain health or other disabilities, and families with children alike. The Dubuque school district reported 142 children with a homeless designation at the time of the PIT study. Dubuque has outreach, financial assistance, and an active Dubuque county Veteran's affairs office that provides assistance with housing and other services as well as a regional organization supporting homeless veterans outside of the city limits. At the time of the winter PIT study there were 48 Men, 45 women/Adults and children, and single women who were Sheltered. The School District reported 142 children with homeless designation, and 3 people in the unsheltered street count. The City's shelters, in some cases are seasonal due to limited funding. A voluntary street count took place in July 2019 and counted 7 unsheltered persons. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 60 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: The Dubuque PIT study does not collect information on race and ethnicity. Estimate the number and type of families in need of housing assistance for families with children and the families of veterans. The shelter statistics do not necessarily capture everyone who is struggling. Providers of homeless services and stakeholders have reported that, many others are doubling or tripling in a home or are moving from one home to another staying with friends or family. The number of children who are designated as homeless at the beginning of the school year was 142 children and presumably these children are members of families who are experiencing homelessness for example making it difficult to estimate homelessness outside of persons involved with the shelter system. Describe the Nature and Extent of Homelessness by Racial and Ethnic Group. This information is not collected. Describe the Nature and Extent of Unsheltered and Sheltered Homelessness. The City had 8 organizations providing access to emergency and transitional shelter services during the January 2019 point in time homeless count. Some of these organizations serve specific populations, such as pregnant women and victims of domestic violence. Families: The Dubuque Rescue Mission and St. Johns have partnered to provide overflow during winter months and transitional opportunities for men during periods of high need. Women and women with children have access to emergency and transitional options. Service providers continue to stretch limited Consolidated Plan DUBUQUE 61 OMB Control No: 2506-0117 (exp. 06/30/2018) resources to coordinate shelter for chronically homeless and persons with disabilities. Family shelter options has been raised as a community need consistently. Expansion and supporting the availability of rapid re -housing programs and resources has been identified as a need by local service providers. Housing and Community Development staff continue to work with the local United Way and other service providers to implement single -point -of entry for homeless needing access to services. The City Council also allocated general funds in FY 20 to provide money to support rapid re -housing efforts. Chronically Homeless/Disabled: Many residents at the men's emergency shelter are dealing with chronic mental health issue issues. Others are struggling to make ends meet financially. The Housing and Community Development Department applies for Continuum of Care funding to provide permanent supportive housing for homeless individuals with substance abuse, mental illness, HIV/AIDS related illness, or other disabilities impacting their ability to maintain housing. Resources for support services, particularly mental health, have long waiting periods and limited beds for emergency treatment. At Risk: The City's competitive grant program provides agencies that deliver homeless prevention assistance with opportunities for funding, but the reality is limited public service funds limit the number of organizations and households able to access these services. As part of the planning process for community wide coordination of CoC programs, the City is collaborating with service providers to identify those most at risk of becoming homeless and diverting resources to meet those needs. The providers meet monthly and collaborate on services, delivery, and referrals regularly. Demand for beds remains relatively low in the summer months gradually increasing through the fall. Men's emergency shelter beds are reaching capacity in the winter months. Some of the shelter services are open seasonally due to lack of funding which seasonally reduces capacity. The shelter statistics do not necessarily capture everyone who is struggling. Providers of homeless services and stakeholders have reported that, many others are doubling or tripling in a home or are moving from one home to another staying with friends or family. Discussion: Expansion and supporting the availability of rapid re -housing programs and resources has been identified as a need by local service providers. Housing and Community Development staff continue to work with the local United Way and other service providers to implement single -point -of entry for homeless needing access to services. The City Council also allocated general funds to provide money to support rapid re -housing efforts. Consolidated Plan DUBUQUE 62 OMB Control No: 2506-0117 (exp. 06/30/2018) The programs housing -first model allows chronically homeless and hard -to -house families an opportunity to transition into housing and then receive support services specifically tailored to meet the family's unique needs. While this program is an effective tool, waiting lists can be long as funding is limited. The lack of affordable housing adds to the difficulty for these individuals and families independently take over their rental costs while others wait for openings in the program. A transition to a housing voucher could provide that extra support and allow more individuals and families to access the program. There is a continued need for shelter services, particularly for men and for families with children. The City does not currently have emergency shelter beds available to serve families. Women, alone or with children, have access to emergency and transitional shelter options. Currently, there are no emergency beds available for men with children. There is no unaccompanied youth shelter in the City. Emergency shelter beds for families and men are needed in the community. There are currently no beds for men with children. Women and women with children have access to emergency and transitional options. Service providers continue to stretch limited resources to coordinate shelter for chronically homeless and persons with disabilities. Family shelter options has been raised as a community need. Currently, a family would separate with men going one shelter and women and children to a family shelter. There are no shelter options in the City for unaccompanied youth. Areas shelters are reporting a growing demand for both shelter beds and services, despite statistics that showing a reduction in homelessness in IOWA at the state level, demand for shelter in the City of Dubuque has increased in recent years. The need for additional shelter beds reported by shelter residents and providers in focus groups and key interviews and was apparent in the point in time study which showed men's shelters at capacity. Consolidated Plan DUBUQUE 63 OMB Control No: 2506-0117 (exp. 06/30/2018) NA-45 Non -Homeless Special Needs Assessment - 91.205 (b,d) Introduction: According to HUD, special needs populations are not homeless but require supportive housing, including the elderly, frail elderly, persons with disabilities (mental, physical, developmental), persons with alcohol or other drug addiction, persons with HIV/AIDS and their families, and victims of domestic violence, dating violence, sexual assault and stalking. Because individuals in these groups face unique housing challenges and are vulnerable to becoming homeless, a variety of support services are needed in order for them to achieve and maintain a suitable and stable living environment. Describe the characteristics of special needs populations in your community: Disability by age, is estimated by the 2017 ACS data. The disability rate for females was 14 percent, compared to 11.5 percent for males. The disability rate grew precipitously higher with age, with 46.6 percent of those over 75 experiencing a disability. The number of disabilities by type, as also estimated by the 2017 ACS data: 6.6 percent have an ambulatory disability, 5.3 percent have an independent living disability, and 2.5 percent have a self -care disability. The City of Dubuque has an immigrant population of families consisting primarily of Marshallese Islanders. These families tend to be live in female -lead intergenerational households. Pacific Islander health project is helping new immigrants to address specific health issues such as nutrition and diabetes but there are many more needs for this community that may not align with the typical services delivery structure. According to the census bureau (ACS 2017) 7.4 percent of the adult population are veterans of foreign wars with the majority (70 percent) being over 55, veterans of Vietnam (1,115), Korean (463), or World War II Veterans (191). The disability rate for the city is 15.3 percent across the adult population. The disability rate for non -veterans is 16.5 as opposed to 39.6 percent for veterans. What are the housing and supportive service needs of these populations and how are these needs determined? Domestic Violence Services needed for domestic violence victims include access to safe housing and resources, as well as economic opportunities and other community assistance. Consolidated Plan DUBUQUE 64 OMB Control No: 2506-0117 (exp. 06/30/2018) Some respondents in the 2019 Housing and Community Development Survey indicated the need for expanded subsidized daycare, better access to health care, training and more workforce training as top non -housing needed strategies for alleviating poverty across the community. The elderly are much more likely to be disabled and lower income and are in need of accessible affordable housing and services. Discuss the size and characteristics of the population with HIV/AIDS and their families within the Eligible Metropolitan Statistical Area: As of December 31, 2018, according to the Iowa Department of Public Health, there were 2,872 Iowans statewide who were diagnosed with HIV and living in Iowa. There were 116 Iowans newly diagnosed in 2018. Males are disproportionately impacted by HIV in Iowa. There are about four males diagnosed for every female. Iowans who are Black/African American and Latino are also disproportionately impacted by HIV in Iowa. This is not because they are more likely to engage in behaviors putting them at risk for HIV, but because of social determinants of health impacting access to care and services. Dubuque County sits just above the state average of 88 persons per 100,000 population according to the Iowa Department of Public Health. At the city level, there were 78 newly diagnosed persons with AIDS at the end of 2018. There were 2.5 men diagnosed for every female. Twenty-four percent were Black/African American, 10 percent were Latino, and an additional 11.5 percent identified as Multi -race or other. Discussion: The City is committed to furthering fair housing through general strategies in affordable housing and social services as well as neighborhood infrastructure improvements, and housing modifications as specific needs are identified. Consolidated Plan DUBUQUE 65 OMB Control No: 2506-0117 (exp. 06/30/2018) NA-50 Non -Housing Community Development Needs — 91.215 (f) Describe the jurisdiction's need for Public Facilities: While there are no current CDBG facilities projects underway, the community participation process identified several future potential facilities needs for preliminary exploration that may be eligible or coordinated with Community Development Block Grant Programs. • Evaluate cost/benefits/needs for police substation • Explore need for/relocation of a southwest fire station • Explore potential for a West End library branch • Implement the Chaplain Schmitt Island Master Plan • Repurpose the Five Flags Civic Center How were these needs determined? Many of these needs were also identified through the Imagine Dubuque 2037 comprehensive stakeholder engagement and planning process. A 2019 CDBG and poverty community survey, focus groups, key stakeholder interviews and citizen participation in the Community Development Advisory Commission (CDAC) provided additional updates, ideas and confirmation of these resident driven ideas. Describe the jurisdiction's need for Public Improvements: The City of Dubuque's comprehensive plan includes identification of needs to provide services that enhance the quality of life of the community with an eye on promoting mixed -use development both downtown, within the John F. Kennedy Road Corridor, and key intersections along the Southwest Arterial. These mixed -use areas should provide a variety of residential choices, access to goods and services, and neighborhood amenities like parks and schools within a walkable environment. The average local download performance (27.27 Mbps across all Dubuque speed test records) ranks beneath the state average of 29.23 Mbps. Regardless, the area has multiple wired Internet options available including fiber/cable/DSL from several local companies. Broadband market competition is decent for Dubuque, and the average Dubuque census block has about 3 providers to choose from. (3.95 in each census block to be exact). CenturyLink is also a commonly available Internet option in Dubuque. They offer primarily DSL connections in 94 percent of the area. Comelec Internet Services offers an alternative wireless service for 75 percent of the local area. Keep in mind that fixed wireless requires roof access and proximity to a Comelec Internet Services tower or access point To support existing and future residents, key recommendations for Public Improvements include: Consolidated Plan DUBUQUE 66 OMB Control No: 2506-0117 (exp. 06/30/2018) • Maintenance and future expansion of water and wastewater systems • Continued use of sustainable stormwater management practices • Expansion of fiber optic networks and broadband services • Explore potential satellite facilities like a police substation or a West End library branch Key resident -driven land use recommendations include: • Promoting mixed -use, walkable, development patterns including residential, commercial, and institutional uses. • Encourage infill development where possible, and protect important environmental assets as growth occurs to the west and south. How were these needs determined? Many of these needs were also identified through the Imagine Dubuque 2037 comprehensive stakeholder engagement and planning process. A 2019 CDBG and poverty community survey, focus groups, key stakeholder interviews and citizen participation in the Community Development Advisory Commission (CDAC) provided additional updates, ideas and confirmation of these resident driven ideas. Describe the jurisdiction's need for Public Services: Services fell into the categories of basic need, support services, neighborhood services, and children and youth services. Ensuring that Dubuque residents can get to supermarkets and other outlets with enough variety and reasonable costs is an issue not only for social service providers, but also for transit and transportation planning. Both the Imagine Dubuque and our recent community input suggest that both Food Insecurity and access to affordable food in locations across the city continues to be a community problem. The scarcity of grocery stores. Residents report a sudden escalation of prices as a result. The impact of addiction, particularly opioid addiction, was on the minds of many in leadership and the public during the City 's comprehensive plan stakeholder process. Imagine Dubuque United States (10.3 per 100,000 in 2015); but while Dubuque's age -adjusted 2015 death rate from overdoses of 8 per 100,000 was below the state average, there were 23 deaths between 2013 and 2015. Partnerships and more resources for prevention, treatment, and response for all kinds of addiction, and follow-up support services, were cited as a vital area of public focus and concern for the city's health, economy, safety, and well-being in the stakeholder process for the City's comprehensive planning process and in particular in interviews with CoC partner and homeless service providers. Brain Health, including the availability of services and the pressing need for more and different solutions to the many aspects of managing mental health impacts in Dubuque. The need for these services cuts across all income and demographic groups. Homeless providers report that substance abuse and mental Consolidated Plan DUBUQUE 67 OMB Control No: 2506-0117 (exp. 06/30/2018) health are increasing the length of time persons stay homeless and increasing waiting lists for supportive services and this population is taken longer to move to self-sufficiency. Affordable childcare and other supports so that parents can work was cited across the community as a gap. The need for childcare also extends to youth services, after school -care, and summer programming. How were these needs determined? Many of these needs were also identified through the Imagine Dubuque 2037, the City's comprehensive stakeholder engagement and planning process. Imagine Dubuque, was a community -driven approach, based on inclusive community engagement, issues and initiatives. The result is a focused, meaningful community plan with 32 goals and 110 recommendations in 7 major categories. Plan development was inclusive, highly engaging, and representative of our community. In total, we received over 12,500 ideas which were inventoried and grouped by association into themes for the Imagine Dubuque plan. The plan didn't end in 2017; it's now "A Call to Action." Just as Imagine Dubuque was built on community engagement, plan implementation requires an engaged community — one that pulls together, combines resources, and shares in the vision of making Dubuque more viable, livable, and equitable. Implementation relies on organizations and partnerships to effectively address the plan's recommendations. Both housing and non -housing needs identified are shown below. A summary of the stakeholder process and the comprehensive plan is included in the appendices. A 2019 CDBG and poverty community specific survey, focus groups, key stakeholder interviews and citizen participation in the Community Development Advisory Commission (CDAC) provided additional updates, ideas and confirmation of these resident driven ideas. Food Deserts Food deserts are defined by the USDA as parts of the country vapid of affordable fresh fruit, vegetables, and other healthful whole foods, usually found in impoverished areas. This is largely due to a lack of grocery stores, farmers' markets and healthy food providers. Measures and definitions take into account The USDA updates its analysis of food deserts every five years. There are three located within the City of Dubuque. These food desert maps were created in the Food Access Research Atlas which allows for consideration of the following factors: • Accessibility to sources of healthy food, as measured by distance to a store or by the number of stores in an area. • Individual -level resources that may affect accessibility, such as family income or vehicle availability. • Neighborhood -level indicators of resources, such as the average income of the neighborhood and the availability of public transportation. Consolidated Plan DUBUQUE 68 OMB Control No: 2506-0117 (exp. 06/30/2018) The criteria for identifying a census tract as low income are from the Department of Treasury's New Markets Tax Credit (NMTC) program. Here a low income census tract is defined as poverty rate is 20 percent or greater; or median family income is less than or equal to 80 percent of the State-wide median family income; or is in a metropolitan area and has a median family income less than or equal to 80 percent of the metropolitan area's median family income. A low -access census tract considers low access to healthy food is defined as being far from a supermarket, supercenter, or large grocery store. A census tract is considered to have low access if a significant number or share of individuals in the tract is far from a supermarket of one mile or more. The red square in the last map indicates an area with a high level of group quarters. Persons living in group quarters may have meals provided by the facility and therefore not directly affected. Tracts in which 67 percent of individuals or more live in group quarters are highlighted. For the purposes of the map, USDA defines group quarters as residential arrangements where an entity or organization owns and provides housing (and often services) for individuals residing in these buildings. This includes college dormitories, military quarters, correctional facilities, homeless shelters, residential treatment centers, and assisted living or skilled nursing facilities. These living arrangements frequently provide dining and food retail solely for their residents. While individuals living in these areas may appear to be far from a supermarket or grocery store, they may not truly experience difficulty accessing healthy and affordable food. Consolidated Plan DUBUQUE 69 OMB Control No: 2506-0117 (exp. 06/30/2018) •J 0 St •Y r rnf,: "r, g -J n rx Bunker n ' Hit! GoNC larks `-rl rF.e CI'. ▪ CPU Mec.kg. Ly' i .7 .�•4t P' 7 tr. to,sa Ae, t. `o ✓ : rP S Co�hge ,a Flora v Nano Ave Perk 1 4!nw r.rw'ty Avn i a •'I.?rd ci. Consolidated Plan DodgcS'` • 24 E ast ❑ubuque S Laccan„ `Ntldrr. Dubuque } 'd$ Gok}Club Ccunrr, ...qq 5ovm: LFSDA Ecch0nic Reseerch Service, ESRI. For mere inramation: hops:IMvmv.ers.usde.govldatdtproduc7s Road-ere¢s-reseerdi-atlesldoarrnentation Food Desserts- Census Tracts 701 and 702 DUBUQUE 70 OMB Control No: 2506-0117 (exp. 06/30/2018) Consolidated Plan Census Tract 101 DUBUQUE 71 OMB Control No: 2506-0117 (exp. 06/30/2018) Housing Market Analysis MA-05 Overview Housing Market Analysis Overview: The purpose of the Market Analysis is to provide an understanding of the environment in which the jurisdiction administers its programs over the course of the Consolidated Plan. Together with the Needs Assessment, The Market Analysis provides the basis for the Strategic Plan and the programs and projects to be administered. Based on the data provided, the City of Dubuque expects to focus its entitlement funds on preserving very low, low, and moderate -income households. In addition, there is a shortage of affordable housing units for these populations. The housing market analysis provides information on the supply, demand, conditions, and cost of housing for families and households, renters and owners, minorities, elderly, and the disabled. The City of Dubuque developed around industry close to the Mississippi River during the 18th and 19th centuries. Consequently, its core is remarkably historic, with older neighborhoods in and around downtown exhibiting grid street patterns and walkable characteristics. In contrast, Dubuque's West End peripheral neighborhoods are auto oriented, higher income, and newer homes, developed during the mid to late 20th century. Downtown neighborhoods and those surrounding the City's Universities and Colleges provide a wide array of housing types. The historic nature of downtown Dubuque presents significant challenges and opportunities. Over 75% of the housing stock was built before 1979. This provides for affordable homes near services however it also increases housing issues with lead -based paints and energy efficiencies. According the 2013-2017 American Community Survey (ACS) The median house value is $135,800 Owner -occupied housing rate is 63.3% Owner costs with mortgage $1,127, without mortgage $474 Median gross rent at $750 Seventy-seven percent of households have a broadband type subscription Median real estate property tax, with mortgage $2,123, without mortgage $2,294 Unemployment in March 2019, 2.5%, or full employment Average temperature is 20 degrees in January, 74 degrees in July Consolidated Plan DUBUQUE 72 OMB Control No: 2506-0117 (exp. 06/30/2018) x Poverty Rate Li O.9.21 % Poverty 9.21.17.64% Poverty 17.64.26.17% Poverty 111 26.17-43.06% Poverty ■ >43.06% Poverty J Poverty Rate by Census Tract Poverty Rate by Census Tract Iowa DNR, Esn. HE Poverty remains a significant issue in Dubuque, Iowa. According to the latest data, Dubuque's 16.3% poverty rate means that one out of every six residents live in poverty. In 2017, 8,933 of 54,940 residents had reported income levels below the poverty line. On average, Dubuque's 16.3% poverty rate is significantly higher than the average 12% poverty rate across the state of Iowa. Consolidated Plan DUBUQUE 73 OMB Control No: 2506-0117 (exp. 06/30/2018) Economics- Income vs US REA CAPITA fNCOMIE fN PAST 12 MONTI IS 30.17 .iA I5I.2013-2017 MEDIAN FhOUSEIIOLD INCOME [IN aD17 DOLLARS), ZDi 3 -!.Cd 7 1 III I I SO S 113,1X1WEI,E01)30.00010.CCIEED,EMECIagaucia tholted netts ■ &Ly u F Dubuque Income vs US Economics- Poverty, Health Coverage PERSONS IN POVERTY, PERCENT P{ h15 W{THOLITH Ath INal RAN f;' LINDERAGEE'SYEAR$,PERCE. T I I 0.0051oo .013S.005BOD o DEbQ D oD% LIn!Led SLat.! ■G1lyafDubuque Economics- HI Health Insurance Dubuque residents have a higher likelihood of having health insurance than the population of the nation as a whole. The Greater Dubuque Development Council reports that health insurance is the most highly desired employment benefit among Dubuque's workforce. Consolidated Plan DUBUQUE 74 OMB Control No: 2506-0117 (exp. 06/30/2018) MA-10 Number of Housing Units — 91.210(a)&(b)(2) Introduction With a strong and growing employment base, demand for housing is increasing, and should remain strong within the region. Affordability and the age of housing stock continue to pose significant challenges for the City. All residential properties by number of units Property Type Number % 1-unit detached structure 15,955 63% 1-unit, attached structure 1,035 4% 2-4 units 3,760 15% 5-19 units 2,320 9% 20 or more units 1,715 7% Mobile Home, boat, RV, van, etc. 700 3% Total 25,485 100% Table 27 — Residential Properties by Unit Number Data Source: 2011-2015 ACS Consolidated Plan DUBUQUE 75 OMB Control No: 2506-0117 (exp. 06/30/2018) Yaw 1980 Aut ffi 1e' Family 72 no rtsfd Construction 0upFax Units 2 En Pasrn Tri-and Four-Plfx 3 tt Ting Ames Total Unita 77 Pa- U n R Valuation, (Reef 3017ii SIngff•FsrnFfy Units 131,922 NLufl-F nIy Units 0 Muiti-Fa<niy Unit 0 1981 16 0 0 0 16 198,949 0 19132 8 0 0 5 13 115,766 67,451 1983 13 0 0 0 13 194,205 0 1984 27 2 0 0 29 163,262 0 1985 26 0 4 5 35 130,846 62,215 1986 72 0 0 10 82 163238 60,995 1987 80 0 3 29 112 165,534 51.035 1988 88 18 8 0 114 172,714 0 1989 98 0 8 27 133 155,817 36,143 1990 112 10 32 55 209 143,320 95,743 1991 116 4 16 18 154 140,489 91,238 1992 170 6 40 58 274 143,8550 74,073 1993 125 30 52 23 230 145,050 69,535 1994 105 22 27 78 232 145,242 64,417 1995 84 22 27 76 209 145,711 63.457 1996 69 10 0 47 126 180,587 72,369 1997 59 4 3 66 132 185,859 75.339 1998 67 12 11 46 136 165,674 140,696 1999 55 12 0 17 84 165,937 57,729 2000 40 24 32 12 108 160,694 108,495 2001 67 22 21 0 110 200,012 0 2002 76 36 6 61 179 163,272 176,904 2003 78 34 0 70 182 172,014 62,907 2004 86 38 6 401 531 137,890 121,795 2005 104 38 9 5 156 144,742 103,360 2006 93 22 6 6 127 145,093 107,668 2007 77 22 9 12 120 149,949 48,551 2008 44 12 0 0 56 144,891 0 2009 75 14 0 52 141 129,420 101,569 2010 113 20 0 182 315 111,465 72,869 2011 112 8 0 106 226 129,562 71.145 2012 120 0 3 72 195 1550,349 70,819 2013 107 4 0 0 111 119,335 0 2014 82 0 0 0 82 148,217 0 2015 76 0 0 0 76 163,222 0 2016 99 0 0 84 183 211,137 101,135 2017 67 0 0 0 67 306,075 0 2018 68 0 0 0 68 3898132 0 Building Perm its and Val uat is n Cityaf Dubuque Censu9 Bureau Data, 19$O-201B City of Dubuque- Single-family permits Housing Units and Single -Family Permits According to 2017 5-year ACS and the Iowa Finance authority Iowa profile of Dubuque, there were 24,985 housing units in 2010, compared with 25,932 in 2017. Single family units accounted for 65.9 percent of units in 2017, compared to 66.6 percent in 2010. Apartment units accounted for 15.9 percent in 2017, compares to 66.6 percent in 2010. Apartment units accounted for 15.9 percent in 2017, compared to 15.9 percent in 2010. Consolidated Plan DUBUQUE 76 OMB Control No: 2506-0117 (exp. 06/30/2018) The Census Bureau reports building permit authorizations and "per unit" valuation of building permits by county annually. Single -Family Construction usually represents most residential development in the county. Single -Family building permit authorizations in the City of Dubuque increased by 1 from 67 authorizations in 2017 to 68 in 2018. The real value of single-family building permits increased from $312,992 in 2017 to $389,882 in 2018. This compares to an increase in permit valuation for the State of Iowa with values rising from $238,742 in 2017 to $246,170 in 2018. For comparability, the HUD tables contain the default (ACS 2015) data, which is comparable to the latest available 2015 CHAD (Comprehensive Housing Affordability Data). The City of Dubuque and its partners have made considerable investments in to maintaining and improving existing housing and increasing access to affordable housing. The 2017 ACS data indicates that several hundred units have been added to the housing market in recent years. 2010 f Un Yoar 1 of Tali 2017 Ffv.-Y UJnita € A L of Total &r - Farr* 18,E 66..6% 17,E 55 8% Duplex 1,609 6.4 6 1.815 7% Tri- cc Four- Flax 1,830 7.3% 2,109 8.1 % Apartment 3,975 15.9% 4.118 15.9% !fie Horne 93.2 3.7% 808 3.1 % goat, RV, Van, Etc. 0 0% 0 0% Total 24,985 101.0% 26,E 1C0.0'% Housing Units by Type Citycif Dubuque 2010 & 2017 Five -Tear ACS Data Dubuque Unit Market 2010 Consua Linda %of Total 2017 F Iva -Year ACS Llnlin V.oftotal For Rend 669 43.9% 718 36.7% For Sale 208 13.7% 152 7.8% Rented Not Occupied 26 1,79E 55 2.89E Sold Not Occupied 60 3.9% 71 3.61 For Seasonal, Recreational, or Occasional Usa 108 7.1% 76 3.9% For fuUgrant Workers 2 0.1% 0 0% Other Vacant 450 29,5% 886 45.3% Disposition of Vacant Housing Units Disposition of Vacant Housing Units Consolidated Plan DUBUQUE ❑ ispo5itio n of Vacant Housing Units City of Dubuque 2010 Census!§ 2017 Five -Year ACS Data 77 OMB Control No: 2506-0117 (exp. 06/30/2018) According the Iowa Finance Authority, by 2017 "For Rent" units accounted for 36.7 percent of vacant units, while for sale units accounted for 7.8 percent. "Other" vacant units accounted for 45.3 percent of vacant units, representing a total of 886 "other" vacant units. In 2017, the most common rent for apartment rents was between 500 and 750 dollars, and the units in this price range had a vacancy rate of 2.2 percent. From January through April of 2019, a telephone survey was conducted with landlords and rental property managers throughout Iowa, by the Iowa Finance Authority. At the time of the survey, there were an estimated 62 single-family units in the City of Dubuque, with 0 of them available which translates to a vacancy rate of 0 which compares to a statewide vacancy rate or 4.1 percent. There were 1995 apartment units in the survey, with 83 percent of them available which translates into a vacancy rate of 4.2 percent which compares to a statewide vacancy rate of 4.1 percent. =IC HwAJfigfo4eCat 1621 Mil itlL 70411 it 7M 0.3096 o.rr.r ..k 7.2 751 757 763 767 709 767 765 33.1-50% 1 - 1,270 1231 1 91 1237 1,33 1,Z0 123:3 51143% 2311 29+09 2,372 2,395 2,010 2,1W1 3,010 3,031 811.9596 1 -:1 1,578 1,592 1,605 1g613 1a915 1$13 1,611 9.1.115% 1 : iti 1,692 1,909 1,324 1,333 1 96 1,33 1,927 1154% 7,1 6 7219 7232 7,333 7,375 7,389 7,376 7,342 Told 11l.1f99 14,1t3 11I,116 UL ME 18.4111 1.1117 111.141 450 b 9 ' - 2,323 2,341 2,392 2,371 2,377 2,374 2,388 33.1-5096 1,'- 1,978 1335 2011 2a021 2,a24 2,021 2,015 93.1-82% ' € 2,077 2,099 2,112 2,122 2,125 2,129 2,116 33.1-35°k 760 763 776 732 788 787 738 783 9.1-115% 527 534 539 543 545 549 545 541 1154% 1 ' 1,399 1,469 1¢19 1,526 1,428 1,426 1,422 Telil tag 1.167 1.23G 11,274 UM 1.171 11 Tam 1}3296 • 4c 3.74 3,101 3,125 3,141 3,145 3,141 3,131 311-50% 3.1' 3248 3276 3,332 9,318 3323 3,319 3,339 63.1.8016 4,' :K 5,024 54167 5,107 5,132 5,1KI 5,133 5,117 311-9546 2 .l 2,3d8 2,355 2387 2,399 2,4r2 2,339 2,991 9.1-115% 4 2,426 2,447 2,496 2,478 2492 2,479 2,471 115+% 8511 8615 8,690 8,753 8802 5,514 8+832 8,774 Tali ;kTl4 7460 26,77E 21.at . 201 avni 21,M Housing Forecast Housing Forecast 2050 Consolidated Plan DUBUQUE 78 OMB Control No: 2506-0117 (exp. 06/30/2018) Unit Size by Tenure Owners Renters Number % Number % No bedroom 10 0% 410 5% 1 bedroom 250 2% 2,170 25% 2 bedrooms 2,800 18% 3,950 46% 3 or more bedrooms 12,165 80% 2,150 25% Total 15,225 100 % 8,680 101 % Table 28 — Unit Size by Tenure Data Source: 2011-2015 ACS Describe the number and targeting (income level/type of family served) of units assisted with federal, state, and local programs. There are many programs addressing affordability and rehabilitation including: Provide an assessment of units expected to be lost from the affordable housing inventory for any reason, such as expiration of Section 8 contracts. Mobile home parks are a source of affordable housing in the City of Dubuque and an important source of housing for the elderly and disabled. In some instances, there has been a recent and sudden increase in lot rents adversely impacting this population. Recently, the City Council updated the special housing Public Housing Authority Policy types to include manufactured homes to pay for payments or lot rent Does the availability of housing units meet the needs of the population? The City of Dubuque has a low vacancy rate (7.6% in 2017) for rental properties and it continues to be a seller's market with home values continuing to rise. As discussed in the needs assessment cost burden and housing affordability are significant issues. According to the Census Bureau, single-family building permit authorizations in Dubuque remained steady with 67 authorizations in 2017 to 68 in 2018. The real value of single-family building permits increased from 312,992 dollars in 2017 to 389,882 dollars in 2018. The City of Dubuque does not have public housing. The City monitors the number of affordable tax credit units and Section 8 units within the City. The affordable housing stock is not high enough to meet needs of renters and homeowners at or below 80% of the area median income. This is supported by data in the Needs Assessment more renters earning under 80% Area Median Income are cost burdened, meaning they pay more than 30% of their income for housing -related costs. The American Community Survey estimates verify nearly half of all renter's experience cost burden. The City promotes CDBG funded programming to voucher participants in efforts to increase awareness and participation in activities. Consolidated Plan DUBUQUE 79 OMB Control No: 2506-0117 (exp. 06/30/2018) Describe the need for specific types of housing: The City needs all types of affordable housing. The use of mobile homes fills a significant gap particularly for elderly populations. Reportedly, RV lots rents have increased significantly in recent months and these 700 units are necessarily to meet the housing demand as are all the housing units in the city which must be maintained. There is also a demand for more accessible or modified housing for both disabled and elderly populations. Discussion Dubuque has exception rent area that allow for higher voucher payment standards in area of town where rents tend to price out what would be available with a standard voucher payment. Consolidated Plan DUBUQUE 80 OMB Control No: 2506-0117 (exp. 06/30/2018) MA-15 Housing Market Analysis: Cost of Housing - 91.210(a) Introduction According to 2013-2017 ACS, the median property value for owner -occupied houses in the City of Dubuque was estimated at $135,800 or an increase of 2 percent over 2015. Of the owner -occupied households, 60.7 percent had a mortgage, 39.3 percent owned their homes without a mortgage or loan on the house. The median monthly costs for owners with a mortgage was $1127 and for owners without a mortgage it was $450. Cost of Housing Base Year: 2009 Most Recent Year: 2015 % Change Median Home Value 117,900 132,800 13% Median Contract Rent 459 582 27% Table 29 — Cost of Housing Data Source: 2005-2009 ACS (Base Year), 2011-2015 ACS (Most Recent Year) Rent Paid Number % Less than $500 2,965 34.2% $500-999 4,630 53.4% $1,000-1,499 745 8.6% $1,500-1,999 55 0.6% $2,000 or more 280 3.2% Total 8,675 100.10/0 Data Source: 2011-2015 ACS Consolidated Plan Table 30 - Rent Paid DUBUQUE 81 OMB Control No: 2506-0117 (exp. 06/30/2018) TOW Structu re Built M.dit Value 1939 or earFor 1 08,1 {}a 1940 to 1949 108,400 1950 to 1959 125,700 1960 to 1959 140,E 197'0 to 19 152,001) 1980 to 1989 183,600 19% to 1999 189,100 2 to20 9 72251 2010 to 2013 181,41:19 2014 or later Mod s■ i lfaiva 225,E i315,,1103 Owner Occ u pied Median Value by Year Structure Built City cif Dubuque 2017 S-YearACSData Owner Occupied Median Values Owner Occupied by Year Structure Built The age of a structure influences its value. The newest structures tended to have the highest values. Structures built before 1939 had a value of 108,100 while homes built between 2010 and 2013 had a median value of 181,400, and homes built after 2014 or later had a median value of $225,700. The total median value in the City of Dubuque was $135,800. Housing Affordability % Units affordable to Households earning Renter Owner 30% HAMFI 365 No Data 50% HAMFI 2,935 1,140 80% HAMFI 5,900 4,520 100% HAMFI No Data 6,505 Total 9,200 12,165 Table 31— Housing Affordability Data Source: 2011-2015 CHAS Monthly Rent Monthly Rent ($) Efficiency (no bedroom) 1 Bedroom 2 Bedroom 3 Bedroom 4 Bedroom Fair Market Rent 468 594 750 976 1,215 High HOME Rent 0 0 0 0 0 Consolidated Plan DUBUQUE 82 OMB Control No: 2506-0117 (exp. 06/30/2018) Monthly Rent ($) Efficiency (no bedroom) 1 Bedroom 2 Bedroom 3 Bedroom 4 Bedroom Low HOME Rent 0 0 0 0 0 Table 32 — Monthly Rent Alternate Data Source Name: 2019 Survey of Rental Properties Data Source Comments: Iowa Finance Authority Number of Bedrooms Not Accessible Accessible Apartment Units Percentage Accessible Studio 5 0 5 0% One 482 66 548 12% Two 684 106 790 13.4% Three 132 6 138 4.3% Four 2 0 2 0% Don't Know 414 98 512 19.1% Table 33 - Apartment units by Accessibility and Bedroom Size Is there sufficient housing for households at all income levels? As seen in the cost -burden section of the Needs Assessment, and in this section, there is not enough housing for households at lower income levels. This is demonstrated by the high percentage of households facing cost -burdens in the City of Dubuque. An average rent for a two -bedroom apartment would require a household with two full time jobs at the minimum wage rate to be at 30 percent cost - burden. A Statewide Survey of Landlords and rental property managers was conducted by the Iowa Finance Authority by telephone from January 2019 to April 2019 which found that most common apartment rents feel between 500-750. In this price range the vacancy rate was reportedly 2.2 percent. The most common rent for single family units was between $1,000 and $1,250 and the units in this price range had a vacancy rate of 0 percent. (2019 Survey of Rental Properties, Iowa Housing Finance Authority: Iowa Profile: City of Dubuque 2019). How is affordability of housing likely to change considering changes to home values and/or rents? The trend continues to be increasing home and rental prices and decreased in availability making the need for affordable housing a priority. 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 HOME/FMR are not provided here by HUD. Consolidated Plan DUBUQUE 83 OMB Control No: 2506-0117 (exp. 06/30/2018) A Statewide Survey of Landlords and rental property managers was conducted by the Iowa Finance Authority by telephone from January 2019 to April 2019. Seventy-one surveys were completed representing 2,419 total units. The overall average advertised rent/Average Market Rate was $811. The average contract rate for the City as provided was $582 for 2015. Average Market Rates were reported as follows: Apartments: Average $710 • Efficiency: $468 • One Bedroom: $594 • Two Bedroom: $748 • Three Bedroom: $925 • Four Bedroom $1175 Single- Family Units: Average $1014 • Efficiency: N/A • One Bedroom: $600 • Two Bedroom: $644 • Three Bedroom: $1057 • Four Bedroom $1269 Mobile Home • Two Bedroom: $750 • Three Bedroom: $857 Note that not all respondents could disclose the rental amounts for their units. Discussion To assist in preserving housing choice for low income groups, Dubuque has established exception rent areas that allow higher voucher payment standards. As the City moves forward to produce and preserve housing stock, consideration will be given to neighborhoods where traditionally lower income groups are priced out of the market, creating diversity of income and more housing choices for very low income groups. Consolidated Plan DUBUQUE 84 OMB Control No: 2506-0117 (exp. 06/30/2018) MA-20 Housing Market Analysis: Condition of Housing — 91.210(a) Introduction The following section describes the condition of housing throughout the City of Dubuque. This includes the number of housing units with risks of lead -based paint exposure, the age of the housing stock and the increase in vacant units. Definitions Units that are classified as standard condition meet all state and local codes. Units that are classified to be in "substandard condition but suitable for rehabilitation" are both structurally and financially feasible to rehabilitate to a condition that meet all state and local codes. The city utilizes the International Property Maintenance Code, along with local amendments, to promote sound safety and quality property maintenance. The city is focused on maintaining and improving the existing housing stock. Condition of Units Condition of Units Owner -Occupied Renter -Occupied Number % Number With one selected Condition 2,390 16% 3,835 44% With two selected Conditions 10 0% 320 4% With three selected Conditions 0 0% 40 0% With four selected Conditions 0 0% 0 0% No selected Conditions 12,825 84% 4,480 52% Total 15,225 100% 8,675 100% Table 34 - Condition of Units Data Source: 2011-2015 ACS Year Unit Built Year Unit Built Owner -Occupied Renter -Occupied Number % Number 2000 or later 1,300 9% 1,114 13% 1980-1999 2,205 14% 1,200 14% 1950-1979 6,690 44% 2,555 29% Before 1950 5,040 33% 3,800 44% Total 15,235 100% 8,669 100% Data Source: 2011-2015 CHAS Consolidated Plan Table 35 —Year Unit Built DUBUQUE 85 OMB Control No: 2506-0117 (exp. 06/30/2018) Households by Year Home Built -City of Dubuque 2010 & 2011 Five -Year AC5 Data 1,49€ 3 0 3912 9 gi 3.151 1AO? 1,889 1,675 1r1$ 2D17 Flue -Year ALES. ■ 1939orEttrIler■191.01.01916 01M0ae1959 ■1960to1669 ■147oku1 9 ■ 19BDLn1969 ■1'99aLa1 9 ■2ccioi 2CCI9 ■201.0orLater Age of Housing Households by Year Home Built A significant challenge for the City of Dubuque is the age of its housing. Housing units built between 2000 and 2009 account for 5.6 percent of households in 2010 and 7 percent of households in 2017. Housing units built in 1939 or earlier represented 29.6 percent of households in 2017 and 33.7 of households in 2010. More than 75 percent of housing was built before 1980 and before regulations were in place for lead paint and before energy efficiency measures were standard in housing. 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 11,730 77% 6,355 73% Housing Units build before 1980 with children present 665 4% 480 6% Table 36 — Risk of Lead -Based Paint Data Source: 2011-2015 ACS (Total Units) 2011-2015 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 Consolidated Plan Table 37 - Vacant Units DUBUQUE 86 OMB Control No: 2506-0117 (exp. 06/30/2018) Data Source: 2005-2009 CHAS Need for Owner and Rental Rehabilitation Dubuque's Comprehensive Housing Activities for Neighborhood Growth & Enrichment (CHANGE) program assists low- and moderate -income households with mitigating lead and other home/health safety hazards. Dubuque's Lead Hazard Control & Healthy Homes Program allocates money to households in need, particularly those with young children who are most vulnerable to environmental hazards. The City aims to assist approximately 129 units within Dubuque city limits using $3.2 million of U.S. Department of Housing and Urban Development funding over three years. Estimated Number of Housing Units Occupied by Low or Moderate Income Families with LBP Hazards Dubuque's housing stock is older, and, in some cases, safety interventions are necessary. Since 1994, the City has facilitated lead remediation in 1,151 (8%) of 14,413 residential properties built prior to 1978.Most of Dubuque's housing (83%) was built prior to 1978, when lead paint was no longer allowed for residential use. Discussion The City's Bee Branch Healthy Homes initiative has also allotted $8.4 million in forgivable loans to flood - proof 320 flood -prone houses, mitigating mold growth, structural issues, and electrical hazards. A Healthy Home Advocate works with individuals and families to develop a resilience plan for each home. Consolidated Plan DUBUQUE 87 OMB Control No: 2506-0117 (exp. 06/30/2018) MA-25 Public and Assisted Housing — 91.210(b) Introduction The Housing & Community Development Department's Assisted Housing program serves as the Public Housing Authority (PHA) for the City of Dubuque. The Assisted Housing program provides information for the PHA sections of the Plan and coordinates with other city departments to affirmatively further fair housing and assess housing needs. Assisted Housing staff serve on the CoC and administer the City's CoC grant providing supportive housing for homeless with disabilities. The City actively engages to partner with public and private agencies to ensure funding priorities align with community development goals. The City engages in multiple community collaborations focused on increasing coordination and access to services. The City does not provide any public housing, and as such, needs to partner with area housing providers to ensure enough housing providers are willing and able to accept Housing Choice Vouchers (HCV) and participate in the Continuum of Care funded Phoenix Housing Program, providing rental subsidies for homeless, disabled participants. 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 0 14 1,063 0 1,063 0 0 0 # of accessible units *includes Non -Elderly Disabled, Mainstream One -Year, Mainstream Five-year, and Nursing Home Transition Table 38 —Total Number of Units by Program Type Data Source: PIC (PIN Information Center) Describe the supply of public housing developments: Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 88 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 City of Dubuque does not have public housing. However, several affordable housing options are financed with HOME and LITC in addition to Mod Rehab and the Housing Choice Voucher Program. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 89 Public Housing Condition Public Housing Development Average Inspection Score Table 39 - Public Housing Condition Public Housing Condition The City does not administer any public housing so there are no inspection scores to report. Describe the restoration and revitalization needs of public housing units in the jurisdiction: As stated previously, the City does not administer any public housing. Affordable and/or assisted Housing Needs include the Section 8 Housing Choice Voucher Program, Mod -Rehab, Project Based, and Special Needs Assistance Continuum of Care Program. These programs are restricted to low-income renters with incomes at 50% of area median income or less. As described in the Letter of Findings and the Analysis of impediments the Housing Choice Vouchers were reduced in 2009-2011. The Housing Authority was serving about 800 households in the voucher program as of October 2019. Describe the public housing agency's strategy for improving the living environment of low - and moderate -income families residing in public housing: The City continues to work with a diverse team of City staff, housing advocates, housing providers, and commission members to carryout recommendations and evaluate outcomes produced by a two-year investigation into how source of income, particularly "income" in the form of a rental subsidy, relates to housing choice and availability referred to as the "Source of Income" Committee. The Human Rights, Housing Department, and Police Department continue to evaluate and monitor participation in the voucher program and collaborate to increase awareness and reporting of Civil Rights violations and housing discrimination. The City of Dubuque does not have public housing. The City monitors the number of affordable tax credit units and Section 8 units within the City. The affordable housing stock is not high enough to meet needs of renters and homeowners at or below 80% of the area median income. This is supported by data in the Consolidated Plan showing more renters earning under 80% Area Median Income are cost burdened, meaning they pay more than 30% of their income for housing -related costs. The American Community Survey estimates verify nearly half of all renter's experience cost burden. The City promotes CDBG funded programming to voucher participants in efforts to increase awareness and participation in activities. Consolidated Plan DUBUQUE 90 OMB Control No: 2506-0117 (exp. 06/30/2018) The City of Dubuque does not have public housing. The City monitors the number of affordable tax credit units and Section 8 units within the City and promotes CDBG funded programming to voucher participants in efforts to increase awareness and participation in activities. The City continues to provide support for the Family Self -Sufficiency Program and other resources designed to assist families to increase resources necessary for self-sufficiency. Multiple departments within the City continue to evaluate and report on progress reducing the impact of policies that lead to a Civil Rights finding of discrimination against African Americans in the delivery of the City's Section 8 program. A combination of policy changes, outreach, marketing, education, and Civil Rights and fair housing trainings have demonstrated the City's dedication to fulfill obligations under the Voluntary Compliance Agreement. Discussion: The Analysis of Impediments 2015 identified the applicant pool for housing choice vouchers is composed of a disproportionate number of persons in protected classes under the Fair Housing Act and a limited number of housing providers participating in the program. To increase housing options for voucher participants, the Housing Authority is collecting and analyzing data on housing provider participation in the program through coordination with Rental Licensing & Inspection program. Beginning in early 2018, information on the number of vacant units willing to accept qualified tenants with Housing Choice Vouchers is being collected on rental licensing to the extent possible. Currently, reporting on vacancies and willingness to participate in the voucher program is voluntary and the City continues to make efforts to gather more voluntary or alternative data. Consolidated Plan DUBUQUE 91 OMB Control No: 2506-0117 (exp. 06/30/2018) MA-30 Homeless Facilities and Services — 91.210(c) Introduction The Housing & Community Development Department's Assisted Housing program serves as the Public Housing Authority (PHA) for the City of Dubuque. The Assisted Housing program provides information for the PHA sections of the Plan and coordinates with other city departments to affirmatively further fair housing and assess housing needs. Assisted Housing staff serve on the CoC and administer the City's CoC grant providing supportive housing for homeless with disabilities. The City actively engages to partner with public and private agencies to ensure funding priorities align with community development goals. The City engages in multiple community collaborations focused on increasing coordination and access to services. The City of Dubuque strives to use data -driven decision making and engagement with residents to better serve the community. The City does not provide any public housing, and as such, needs to partner with area housing providers to ensure enough housing providers are willing and able to accept Housing Choice Vouchers (HCV) and participate in the Continuum of Care funded Phoenix Housing Program, providing rental subsidies for homeless, disabled participants. As a member of the Continuum of Care and Homeless Advisory Council, the Housing & Community Development Department staff participate in the coordinated point -of -entry meetings, needs assessment, and the City provides support for the point -in -time homeless count. Facilities and Housing Targeted to Homeless Households 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) 38 0 32 0 0 Households with Only Adults 53 0 12 0 0 Chronically Homeless Households 0 0 0 0 0 Veterans 0 0 0 0 0 Unaccompanied Youth 0 0 0 0 0 Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) Table 40 - Facilities and Housing Targeted to Homeless Households DUBUQUE 92 Data Source Comments: setter Capacity -January PIT Main Mouse Terela Reiter Dubuque Come way Deere 'A:delte_ 'Meet km Alrrlosl Fbrde E7tAU le fletue Ms! m-ifiarriiliornl Quaint Fttsate rifissIto-Untrgeorki Norte Mouse D 5 tO 15 ■•GiLie sh• ■ Cap aat. Shelter Capacity 25 31 35 Hope House Emergency Capadly Goons %ofCapacity PopriaticoSarwd g 100% ramai1es Dubuque Rescue MUaian-Emergency Emergency 24 30 125% Men Almost Home Emergency 12 7 58% Men Dubuque Rescue MUaian-Transitional Transitional 12 11 92% Men fAary's Inn Maternity 4 50% Pregnaeit Wooden DubuqueCommunityY Domestic Vinlente Program Emergency 17 8 47% Vittims FleeingVialence Ter252 Shelter Emergency 3C 24 67% Women & Children Maria House Transitional 24 9 38% Women & Child ren Total Las 47 Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) Area Shelters and Capacity DUBUQUE 93 Describe mainstream services, such as health, mental health, and employment services to the extent those services are used to complement services targeted to homeless persons The City utilizes the Housing First model to administer the Phoenix Housing program. This program provides subsidized housing for homeless with mental illness, substance abuse, and/or HIV/AIDS related illnesses. To ensure an adequate supply of housing for these and other vulnerable populations, the City provides day -long trainings twice per year for housing providers. The trainings cover a variety of topics, including information on fair housing practices, housing needs, legal needs, education on local, state, and federal subsidies, education on topics surrounding housing discrimination, and equity. CoC funds are used to subsidize permanent supportive rental units for homeless persons living with disabilities. The City partners with local service providers to administer this program and connect participants with the support services they need to maintain their housing. 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 City had 8 organizations providing access to emergency and transitional shelter services during the January 2019 point in time homeless count. Some of these organizations serve specific populations, such as pregnant women and victims of domestic violence. The bed capacity for these organizations is 167 and 116 persons were sheltered. The Hope House, Dubuque Rescue Mission, and Hillcrest Family Services were at full or over capacity at the time of the survey. These organizations serve men and families, representing high need in the community. Overall, 69% of the available beds were full. Programs with vacancies on the day of the survey include Dubuque Rescue Mission Transitional, Teresa Shelter (Emergency), the Dubuque Community Y Domestic Violence Program, Maria House, Mary's Inn (pregnant women), Francis Apartments, and Almost Home. For families impacted by Domestic violence, Opening Doors provides services through the continuum of services, shelter through Teresa shelter offering emergency and extended stay programs, and offering transitional housing for Maria house for up to two years. There are no facilities for men with children or unaccompanied youth. Consolidated Plan DUBUQUE 94 OMB Control No: 2506-0117 (exp. 06/30/2018) MA-35 Special Needs Facilities and Services — 91.210(d) Introduction As the population ages and the demand for housing continues to increase, there is an increase in the need for safe and affordable housing for the Elderly. For both families and the elderly there is lack of affordable and accessible housing for persons with disabilities. As estimated by the 2017 ACS, the disability rate for females was 14 percent, compared to 11.5 percent for males. Over the City population Some 6.6 percent have an ambulatory disability, 5.3 percent have an independent living disability, 5.3 percent have a cognitive disability, 4.1% hearing, 2/1% visual, and 2.5 percent have a self - care disability. 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 Many of the persons with disabilities are elderly as well and require accessible, affordable and safe housing. Per the 2017 ACS, the disability rate grew precipitously higher with age, with 46.6 percent of those over 75 experiencing a disability. There are waiting lists for Dubuque's elderly housing complexes and funding needs for accessibility improvements for residents to remain in their homes and navigate their neighborhoods. The provision of additional housing units and opportunities for populations with disabilities and specials needs as well as modifications to current structures and infrastructure is necessary. The City strategy is to leverage partnerships with non -profits and developers and others to develop this type of housing. Age Main oislhledPaptdatloe Nobility Rai Female DisabledPrp{datlon Nobility Rae Tell 1:11sahi4dPopulatloe bisahiliteRate Under 10 0.50% 5 030% 15 0A0% 5 to 17 316 7,40% 288 6,70% 604 7,10% 18 to 34 458 5,70% 356 4,70% 814 5,20% 35 to 64 1,210 12.20% 1,616 15.70% 2,626 14% 65 to 74 450 22,20% 416 16.30% 866 18.90% 75 or 759 46.40% 1,437 46,70% 2,196 46.60% Crider Tetat 3,203 1.1.50% 4r120 143 7.3123 12.11OW. Disability by Age Disability -Age Rate of disability by age, as estimated by the 2017 ACS, for females was 14 percent, compared to 11.5 percent for males. The disability rate grew precipitously higher with age, with 46.6 percent of those over 75 experiencing a disability. Consolidated Plan DUBUQUE 95 OMB Control No: 2506-0117 (exp. 06/30/2018) 1ity Typo I uia'don with Disgglity Percentwlth 1:1115.11iltig 'Wearlrig dlsabIiity 2348 4.10% Vision disability 1333 2.30% i1titire di bl1ity 2856 5.30% Ambulatanidisability 3552 E.60% Self -Cafe d l&ah i lity 1346 2.50% Independent I ivi ng d isabl Ilty 2402 5.30'1 Disability -Type Disability Type The number of disabilities by type, as estimated by the 2017 ACS, is shown above. Some 6.6 percent have an ambulatory disability, 5.3 percent have an independent living disability, and 2.5 percent have a self -care disability. Describe programs for ensuring that persons returning from mental and physical health institutions receive appropriate supportive housing The Iowa Department of Human Services is responsible for persons returning home receiving supportive housing. Discharge plans include housing arrangement, supportive services, and financial assistance. As part of a legal mandate in July 2014, the responsibility for mental health and disability services was transitioned from Iowa Counties to the state to standardize service delivery and the level and standards of care. Discharge planning includes housing and financial assistance along with supportive care. 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) The Purchase of Services Grants provide funding opportunities for organizations meeting identified human services needs for the year. Its anticipated that local service organizations will continue to apply for these resources to meet needs. 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) The Purchase of Services Grants provide funding opportunities for organizations meeting identified human services needs for the year. Its anticipated that local service organizations will continue to apply for these resources to meet needs. 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 Consolidated Plan DUBUQUE 96 OMB Control No: 2506-0117 (exp. 06/30/2018) 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)) Special Needs populations continue to have a variety of unmet needs including affordable and accessible housing. Human Services continue to be a high priority need for the City. Consolidated Plan DUBUQUE 97 OMB Control No: 2506-0117 (exp. 06/30/2018) MA-40 Barriers to Affordable Housing — 91.210(e) Negative Effects of Public Policies on Affordable Housing and Residential Investment The lack of affordable quality housing for low-income individuals and families is not keeping pace with the demand. Homeownership is disproportionately low among African Americans. Additionally, low income housing is concentrated in specific neighborhoods. One concern is that not all landlords accept HCVs and are of the practice of identifying the source of income to pay rent prior to leasing which adversely effects voucher holders. Some landlords specifically advertise that they do not accept these vouchers (typically called Section 8) as a source of income for rent. The practice of "source of income" has been identified as an arbitrary factor unrelated to a person's ability to be a good tenant and recommended the Human Rights commission consider include source of income as a protected class. The Housing & Community Development, Human Rights, and Planning Services Departments partnered with local stakeholders to better understand how source of income impacts tenants, particularly Housing Choice Voucher holders. The City has identified a limited number of housing providers participating in the voucher program. To address this, a "Source of Income" committee was formed. The Committee is made up of key city staff, board and commission members, housing providers, and housing advocacy groups. The group analyzed data, information, and organized a series of community dialogues to gain insight into the issues surrounding the impact of such an ordinance and other options to increase housing choice for voucher holders. The City incentivizes landlords, developers and employers throughout its CDBG programs, to support low- and mod- income persons and housing and to target underserved minority groups. The City's Housing & Community Development Department is currently leading a rebranding of the Housing Choice Voucher Program. Minority groups are targeted for education around Fair Housing and home ownership. The Department will utilize City commissions and other advisory groups that play an important role in the governance of department programs. Members of the commissions and advisory groups are community volunteers whose contributions help maintain and improve the quality of life for Dubuque residents. Consolidated Plan DUBUQUE 98 OMB Control No: 2506-0117 (exp. 06/30/2018) MA-45 Non -Housing Community Development Assets — 91.215 (f) Introduction The Market Analysis provides an understanding of the environment in which the jurisdiction administers its programs over the course of the Consolidated Plan period. Together with Consultation, the Needs Assessment, and the Market Analysis provides the basis for the strategic plan and the programs and projects to be administered. Based on the data provided, the City expects to focus CDBG funds on preserving and increasing affordable housing for low and very low-income households and invest in low- and moderate -income neighborhoods. Many of the Housing and Urban Development tables have been prepopulated by HUD with a default data set based on the most recent comparable data available. The tables have been supplemented in some cases with alternative data sources and supporting information to provide the clearest and most current picture of the environment in the City of Dubuque where the data is available. 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 118 58 0 0 0 Arts, Entertainment, Accommodations 3,843 5,087 14 13 -1 Construction 1,073 1,348 4 4 0 Education and Health Care Services 5,924 10,359 22 27 5 Finance, Insurance, and Real Estate 2,388 4,194 9 11 2 Information 623 825 2 2 0 Manufacturing 3,751 4,001 14 10 -4 Other Services 1,047 1,444 4 4 0 Professional, Scientific, Management Services 2,105 2,919 8 8 0 Public Administration 0 0 0 0 0 Retail Trade 4,093 5,217 15 14 -1 Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 99 Business by Sector Number of Workers Number of Jobs Share of Workers Share of Jobs Jobs less workers Transportation and Warehousing 984 1,061 4 3 -1 Wholesale Trade 1,468 1,597 5 4 -1 Total 27,417 38,110 -- -- -- Table 41- Business Activity Data Source: 2011-2015 ACS (Workers), 2015 Longitudinal Employer -Household Dynamics (Jobs) Employer Industry Manufacturer, Construction and Forestry Equipment Current Employment 2,600 John Deere Dubuque Works Dubuque Community School District Education, Pre -I: to 12 1,957 MercyOne Dubuque Medical Center Hospital Services 1,410 University of Wisconsin -Platteville Education 1,062 Medical Associates Clinic, P.C. Health Services 1,061 UnityPoint Health - Finley Hospital Hospital Services 975 Andersen Windows & Doors Manufacturer, Aluminum Clad and Wood Windows and Doors Confidential The City of Dubuque Public Service 737 5edgwick Claims/Benefits Management and Processing 725 Cottingham & Butler Health Care, Insurance Agencies, Brokerages, and Third Party Administrators 650 Dubuque Bank and Trust Company &Heartland Financial USA, Inc Financial Services 600 Western Dubuque School District Education 551 Medline Industries, Inc. Health Care Products 500 Em ployers >500 in The City of Dubuque Greater Dubuque Development Corp Website Employers with > 500 employees Dubuque's largest employers Greater Dubuque's 12 largest employers (>500 currently employed) employ approximately 13653 of its residents. The top 38 employers Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 100 depicted by industry in the pie chart employ 22,467 persons- almost 70% of the workforce. Sector Employment by Industry Sales & Service Retailer 196 2% Technology Services 2% -. A nusement/Ent,ertain went/Attractions Public Service _ 4% 59% Higher Education 3% Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) Education 24% 16%„ Financial Services J% Healthcare Products & Services 1 Health Care Products 16 Largest Industries in Dubuque DUBUQUE 101 Labor Force Total Population in the Civilian Labor Force 31,595 Civilian Employed Population 16 years and over 29,870 Unemployment Rate 5.46 Unemployment Rate for Ages 16-24 16.05 Unemployment Rate for Ages 25-65 3.59 Table 42 - Labor Force Data Source: 2011-2015 ACS Unemployment Rate Employment Status Update Current Employment Environment The Bureau of Economic Analysis (BEA) defines "total employment" as a count of jobs rather than workers, so workers can be counted twice in these data, e.g., those who work two or more part-time jobs. Dubuque's unemployment rate was 3.4% at the end of 2016, which equalizes to full employment. The latest unemployment data available for September 2019 puts it at 2.0 percent for the City of Dubuque and 2.5 percent statewide. Regional job growth is projected to increase by 9.7% by 2025 while the working age population declines. The mean travel time to work is 14.5 minutes (ACS 2013-2017). There are 5,122 firms with 1,424 (27.8%) owned by women and 325(6.8%) owned by minorities. Consolidated Plan DUBUQUE 102 OMB Control No: 2506-0117 (exp. 06/30/2018) Year 2002 $0-9,999 9,464 $10,000- 19,999 6,688 $20,000- 29,999 5,303 $30,000- 39,999 3,934 $40,000- 49,999 3,473 $59,000- 59,999 2,933 $60,000- 74,999 3,131 $75,000- 99,999 2,211 $100,000- 124,999 736 $125,090 and above 1,117 Total 38,990 2003 9,377 6,518 5,440 3,888 3,372 2,857 3,122 2,476 835 1,191 39,076 2004 9,192 6,486 5,421 4,036 3,274 2,872 3,262 2,745 950 1,398 39,636 2005 9,078 6,540 5,4-40 4,187 3,242 2,972 3,306 2,935 1,08-4 1,572 40,356 �i706 8,963 6,557 5,620 4,237 3,333 2,892. 3,387 3,297 1,290 1,798 41,374 2007 9,132 6,605 5,881 4,352 3,341 2,877 3,595 3,499 1,439 2,026 42,747 2008 9,192 6,612 5,775 4,421 3,331 2,807 3,568 3,624 1,561 2,021 42,912 2009 9,462 6,589 5,838 4,311 3,282 2,834 3,524 3,589 1,549 1,968 42,946 2010 9,282 6,770 5,748 4,396 3,347 2,852 3,518 3,821 1,735 2,204 43,673 2011 9,532 6,885 5,844 4,581 3,331 2,838 3,552 4,017 1,828 2,484 44,892 2012 9,310 6,888 5,888 4,595 3,329 2,826 3,594 4,139 1,983 2,831 45,383 2013 9,229 6,899 6,008 4,674 3,498 2,910 3,423 4,316 2,109 2,943 46,009 2014 9,143 6,988 5,980 4,943 3,515 2,770 3,490 4,334 2,311 3,320 46,794 2015 9,205 6,897 5,909 5,074 3,544 2,790 3,471 4,367 2,351 3,526 47,134 2016 9,060 6,793 5,880 .5,181 3,523 2,739 3,360 4,261 2,437 3,585 46,819 2017 Change 10-17 8,758 -5.6% 6,705 -1% 5,731 -0.3% 5,127 16.6% 3,719 11.1% 2,778 -2.6% 3,414 -3% 4,254 11.3% Number 2,537 46.2% of Tax Returns 3,925 78.1% by Adjusted City 46,948 7.5% Gross Income of Dubuque Number of Tax returns by AGI through 2018 Tax returns DOR 2002-2017 The Iowa Department of Revenue releases annual income tax statistics. The total number of returns between 2010 and 2017 increased by 7.5 percent, with 3,925 returns reported in 2017, which was the most recent year available at the time of the report. Between 2010 and 2017, the adjusted gross income class that saw the largest change was 0-9,999 dollars with a change of 78.1 percent. This is compared to the income class of 10,000-19,999 dollars which saw the lowest percentage of change between 2010 and 2017 of -5.6 percent (reproduced from the Iowa Profile: City of Dubuque 2019). Employment trends The 2019 Iowa Profile looked at the trend in employment rates in Dubuque since 1990. Over the entire series the lowest employment rate occurred in the most recent year available at the time of the study at 2.4 percent. This compares to the 2018 unemployment rate at 2.5 percent. This low unemployment trend has continued through 2019. Consolidated Plan DUBUQUE 103 OMB Control No: 2506-0117 (exp. 06/30/2018) Year City of Dubuque Statewide Unemployment Rate Unemployment Employment Labor Force Unemployment Rate 1990 2,067 28,497 30,564 6.8% 4.4% 1991 2,128 29,280 31,408 6.3% 4.7% 1992 1,834 30,156 31,990 5.7% 4.5% 1993 1,519 31,451 32,974 4.6% 4% 1994 1,330 32,020 33,350 4% 3.5% 1995 1,341 32,139 33,530 4% 3.4% 1996 2,023 31,653 33,676 6% 3.5% 1997 1,391 31,779 33,174 4.2% 3.1% 1993 1,160 31,559 32,719 3.5% 2.7% 1999 988 31, 532 32,524 3% 2.6% 2440 1,036 29,144 30,130 3.4% 2.6% 2441 1,322 28,621 29,943 4.4% 3.3% 2002 1,308 29,197 30,505 4.3% 4% 2443 1,409 29,473 30452 4.6% 4.5% 2004 1,422 29,136 30,608 4.6% 4.5% 2005 1,257 29,907 31,164 4% 4.3% 2006 1,119 30,452 31,571 3.5% 3.7% 2007 1,196 30,235 31,431 3.3% 3.7% 2048 1,352 30,030 31,382 4.3% 4.2% 2009 2,033 29,621 31,654 6.4% 6.4% 2410 1,830 30,900 32,730 5.6% 6% 2011 1,608 31,148 32,756 4.9% 5.5% 2412 1,447 31,393 32,345 4.4% 5% 2013 1,472 31,554 33,022 4.5% 4.7% 2014 1,330 31,916 33,246 4% 4.2% 2015 1,1E2 32,060 33,242 3.6% 3.8% 2016 1,107 31,389 32,496 3.4% 3.6% 2017 984 31,284 32,264 3% 3.1% 2013 341 31,913 32,714 2.4% 2.5% Labor Force Statistics Dubuque city: 19S3 - 2013 BLS Data Labor Force Statistics 1990-2018 Occupations by Sector Number of People Management, business and financial 5,965 Farming, fisheries and forestry occupations 1,325 Service 3,515 Sales and office 7,560 Consolidated Plan DUBUQUE 104 OMB Control No: 2506-0117 (exp. 06/30/2018) Occupations by Sector Number of People Construction, extraction, maintenance and repair 1,770 Production, transportation and material moving 1,455 Table 43 — Occupations by Sector Data Source: 2011-2015 ACS City of Dubuque- Mean Earnings FEMALE Income for women Gender Wage Gap MA. Both the mean and average area median incomes for women are much lower than for men with women earning only 69 percent of what men earn in Dubuque on average. The mean income for women was $35,038 as compared to $57,483 for men. Travel Time Travel Time Number Percentage < 30 Minutes 25,595 90% 30-59 Minutes 1,915 7% 60 or More Minutes 800 3% Total 28,310 100% Data Source: 2011-2015 ACS Consolidated Plan Table 44 - Travel Time DUBUQUE 105 OMB Control No: 2506-0117 (exp. 06/30/2018) 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 1,080 180 610 High school graduate (includes equivalency) 6,510 360 2,110 Some college or Associate's degree 7,260 345 1,350 Bachelor's degree or higher 8,080 160 1,005 Table 45 - Educational Attainment by Employment Status Data Source: 2011-2015 ACS EconOfl is Factors. Education HIGH SCHOOL GRADUA.TEOR I'IIGHER, DAD i[LOR'S DEGREE OR F#IGIiER, PERCENT PERCENT PERSONS AGE 25 YEbRS+, 2D13- ❑F PERSONS AGEa5 YEARS+, Z013-1017 1017 • City .or DulML L e +United Sees Consolidated Plan Economics -Education Education Level Households High School or Greater Total Households Percent High School or Above 22,344 23,974 93.2'h High School or Greater Education City cif Dubuque 2017 Five -Year ACS Data High School or Greater Education DUBUQUE 106 OMB Control No: 2506-0117 (exp. 06/30/2018) Education Level Population Percent Less Than High School High School or Equivalent Some College or Associates Degree Bachelor's Degree Graduate or Professional Degree Total Population Above 1a years 3,749 13,925 15,830 8,417 4,295 46,216 8.1% 3D_ 1 34.3% 18.2% 9.3% 9 DD.D% Educational Attainment City of Dubuque 2017 Five -Year ACS Data Educational Attainment Supplemental Education Data The HUD table data is updated with supplemented with additional education data from the 5 year ACS 2017. In 2017, 93.2 percent of households had a high school education or greater. Some 30.1 percent of the population had a high school diploma or equivalent, another 34.4 percent had some college, 18.2 percent have a Bachelor's Degree, and 9.3 percent of the population had a graduate or professional degree. Educational Attainment by Age Age 18-24 yrs 25-34 yrs 35-44 yrs 45-65 yrs 65+ yrs Less than 9th grade 10 125 95 300 620 9th to 12th grade, no diploma 450 380 225 740 870 High school graduate, GED, or alternative 1,475 1,630 1,625 5,750 4,180 Some college, no degree 4,365 1,845 1,405 2,950 1,405 Associate's degree 355 785 465 1,520 310 Bachelor's degree 755 2,530 1,315 2,410 1,255 Graduate or professional degree 100 885 705 1,395 1,115 Table 46 - Educational Attainment by Age Data Source: 2011-2015 ACS Educational Attainment — Median Earnings in the Past 12 Months Educational Attainment Median Earnings in the Past 12 Months Less than high school graduate 16,875 High school graduate (includes equivalency) 25,127 Some college or Associate's degree 31,423 Consolidated Plan DUBUQUE 107 OMB Control No: 2506-0117 (exp. 06/30/2018) Educational Attainment Median Earnings in the Past 12 Months Bachelor's degree 39,840 Graduate or professional degree 50,184 Data Source: 2011-2015 ACS Table 47 — Median Earnings in the Past 12 Months Broadband Connectivity ACS 2013-2017, 5-Year Households with a broadband Internet subscription Households with a computer Broadband/ High Speed internet 0.72 0.74 0.76 0.78 0.80 0.82 0.84 0.86 0.88 United States •City of Dubuque Broadband and Computer Usage In 2013-2017, 86.3 percent of households in Dubuque city, Iowa had a computer, and 77.5 percent had a broadband Internet subscription. An estimated 77.4 percent of households had a desktop or laptop, 66.6 percent had a smartphone, 51.8 percent had a tablet or other portable wireless computer, and 4.3 percent had some other computer. Among all households, 50.0 percent had a cellular data plan; 64.9 percent had a broadband subscription such as cable, fiber optic, or DSL; 7.7 percent had a satellite Internet subscription; 0.8 percent had dial -up alone; and 0.4 percent had some other service alone. Technology infrastructure is needed for all of Dubuque's businesses to grow and add employees as well as for its residents. Two of the largest employment sectors, manufacturing and health care rely on competitive and reliable technology. Consolidated Plan DUBUQUE 108 OMB Control No: 2506-0117 (exp. 06/30/2018) City of Dubuque- Fiber Optic Network Based on the Business Activity table above, what are the major employment sectors within your jurisdiction? The economy has diversified and is substantially bolstered by other sectors such as healthcare, education, financial services, and Tourism while manufacturing jobs are still a strong sector. Healthcare and Education led the way with 27% of overall jobs in 2015, with tourism entertainment and retail together making up the next 27%. Agriculture, Mining, Oil & Gas Extraction is the only sector with more workers than jobs based on the Business Activity table. Based on the more recent data from Dubuque's largest employers Healthcare and Education are continuing to add jobs and manufacture is remaining strong in the region. Nationally and in Dubuque, the combination of an aging workforce, decreases in workforce numbers, and skills gaps between available work and workers present challenges for all sectors, but is most evident in the manufacturing sector. Manufacturing remains one of Dubuque's major employment sectors. John Deere Dubuque, Andersen Windows, and Hormel represent that estimated 3,751 employees. Describe the workforce and infrastructure needs of the business community: Consolidated Plan DUBUQUE OMB Control No: 2506-0117 (exp. 06/30/2018) 109 Integrating the needs of the City's small and mid -size manufacturers into workforce development will be critical to the growth and retention of these smaller firms. The City, the Greater Dubuque Development Council, and their economic development partners maintain strong relationship with local industries to address their workforce issues, specifically how Dubuque's future workers are prepared for careers in advanced manufacturing and technology. Retaining and recruiting talent to replace retiring experienced workers remains an important challenge for the community in the next decade. Local public and private sector groups and employers have initiated efforts to address workforce concerns in the community. The issue for Dubuque isn't the demand for but the supply of qualified workers and for wages that keep up the rise in costs of housing and other goods and services. The manufacturing sector continues to be an important sector for the city and is expected to have an ongoing need for workers. The top 38 employers depicted by industry in the pie chart employ 22,467 persons- almost 70% of the workforce. It is unknown how many of these workers commute from the greater Dubuque area. The 2017 ACS data show 31,913 persons in the workforce as compared to 27,417 in the same dataset in 2015 or an increase of 16%. Employment in the health care sector is projected to continue to increase. Based on the data in the table above, the City of Dubuque already has more jobs than workers in education and health care. Dubuque's major health care facilities include two regional hospitals, two multipractice clinics and the Crescent Community Health Center. The Region's top ten employers include five in the health care or health care insurance sector, the University in neighboring Wisconsin, the school district, the City of Dubuque, and two manufacturers. The Greater Dubuque Development Council Reports the following on its website: Employment in the Dubuque Metropolitan Area is projected to grow above the projections for the region, State of Iowa, and US. The working age population is projected to decline nationally, greater declines are projected in Iowa, and in the Dubuque region The Dubuque MSA's median hourly earnings per worker is $16.68. Of the MSA's in the region Dubuque ranks 5th. IOWA MSA's: • Rochester $20.65 • Cedar Rapids $18.71 • Iowa City $18.52 • Davenport $17.26 Consolidated Plan DUBUQUE 110 OMB Control No: 2506-0117 (exp. 06/30/2018) • Dubuque $16.78 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 component of the City's overall Comprehensive Planning process was a look at Dubuque's economic future and how the Dubuque community can translate current opportunities into economic successes for all residents and business interests. This broader market assessment was combined with local market data and public engagement themes to develop a portrait of Dubuque's markets by sector. These sectors include: Commercial Uses, specifically Stores, or Retail, and Office, Housing, Industrial, Higher Education, and Healthcare. The City as a whole has committed in its Imagine Dubuque 2037 plan to diversify Dubuque's economy by retaining, expanding, and growing local businesses; attracting new businesses; maintaining an abundance of employment opportunities; and offering top quality -of -life options that create an equitable community where young professionals want to live and raise their families, supporting the availability of a diverse, skilled workforce How do the skills and education of the current workforce correspond to employment opportunities in the jurisdiction? Dubuque's economic challenges are the same as those faced by communities nationally— how to grow the local economy, and by extension, the City; how to attract the right talent; how to develop the skilled workforce of the future, despite structural full employment; and how to integrate all of this work equitably, efficiently, and inventively. Dubuque has also experienced minimal population growth since the 1980s—how the City attracts talent and increases overall employment will drive future housing demand and additional market -supported housing options. 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. Dubuque has the initiatives in place that provide the foundation for achieving economic prosperity. Alongside of traditional workforce supports such as a resource center, career counseling, job seeking, placement and other specialized employment services, the City of Dubuque has two major initiatives: Opportunity Dubuque and Inclusive Dubuque. Consolidated Plan DUBUQUE 111 OMB Control No: 2506-0117 (exp. 06/30/2018) • Opportunity Dubuque is the Dubuque area's collaboration for workforce training and development • Inclusive Dubuque, a citywide partnership of over 60 groups, also addresses workforce issues and equity, specifically available job quality, career advancement, childcare, and transportation to and from work. These local training and education programs to aid the region's underemployed have had successes. The first group of 250 trainees through Opportunity Dubuque achieved a 94 percent placement rate. Does your jurisdiction participate in a Comprehensive Economic Development Strategy (CEDS)? Yes 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. <TYPE=[text] REPORT_GUID=[F8DC4D3147433947165558A235C46686] PLAN_SECTION_ID=[1370705000]> Discussion The shortage of skilled workers threatens the rebounding economy. There is some indication that college and high school educations are not keeping up with the demand in such areas as math and science careers. This combined with an impending workforce shortage issue is very real in our region. The population in the Dubuque area is oldest among the major metropolitan areas in the State of Iowa, if the local labor pool dries up, it could create a perfect storm of collapsing factors, eroding the region's economic success. Resiliency Key principles of environmental integrity are including in both the City's Imagine Dubuque Comprehensive Plan 2037 and in Sustainable Dubuque. Potential overlapping activities include: • Expanded sustainable stormwater management practices to address flooding prevention • Community Gardens • Youth Eco-education programs • Implementations of watershed plans • Expanding programs to reduce, reuse, and recycle, including composting and building materials. Consolidated Plan DUBUQUE 112 OMB Control No: 2506-0117 (exp. 06/30/2018) The Dubuque Community Climate Action & Resiliency Plan establishes a goal of 50% reduction of greenhouse gas emissions to 2003 levels by the year 2030. The plan identifies contributors to greenhouse gases in Dubuque and sets forth an impact reduction target to achieve the 50% goal. Important to this effort is Dubuque, along with its partners, should regularly update the 50% by 2030 Community Climate Action & Resiliency Plan to stay current on best practices in greenhouse gas mitigation, climate adaptation, and resiliency The Bee Branch Watershed lies completely within one of Dubuque's oldest and most dense neighborhoods. Six Presidential Disaster Declarations, resulting in $70 million in damages, occurred between 1999 and 2011. To address this issue, the City initiated the Bee Branch Watershed Flood Mitigation Project, a multifaceted approach that incorporates permeable pavement, two upstream retention basins, daylighting of Bee Branch Creek, and resiliency efforts of storm drains. The Bee Branch Healthy Homes initiative has also allotted $8.4 million in forgivable loans to flood -proof 320 flood -prone houses, mitigating mold growth, structural issues, and electrical hazards. A Healthy Home Advocate works with individuals and families to develop a resilience plan for each home. Consolidated Plan DUBUQUE 113 OMB Control No: 2506-0117 (exp. 06/30/2018) MA-50 Needs and Market Analysis Discussion Are there areas where households with multiple housing problems are concentrated? (include a definition of "concentration") Housing problems (incomplete kitchen facilities, incomplete plumbing facilities, overcrowding, or cost burden greater than 30%) percent) tend to be concentrated in areas with high rates of poverty. As shown previously, some 82 percent of households at or below 30 percent MFI have housing problems. Refer to the following question for areas with high concentrations of poverty. Concentration is defined as having a disproportionate share or ten percentage points higher. Housing burdens impact not only those in the lowest income brackets, but also those in the middle -income brackets as well. Cost burden is by far the biggest housing problem. Are there any areas in the jurisdiction where racial or ethnic minorities or low-income families are concentrated? (include a definition of "concentration") Geographic analysis of racial distribution was conducted by calculating the percentage share of total population within each census tract of the sub -population; i.e., racial or ethnic group. That share was then plotted on a geographic map. The city of Dubuque has a very small minority population and black or African American residents make up 4.4 percent of the total population. However, Census Tract 1, known as the "The Flats" is disproportionally Black of African American at 16.5 percent and a high poverty area. What are the characteristics of the market in these areas/neighborhoods? "The Flats" as it is locally referred to has: • Poverty rate of 31.82 percent • Unemployment at 6.72 percent, • Median Household Income at $23,814. • Housing Cost Burden at more than 36 percent • Low income households with severe house burden 35.76% • Moderate Income households with severe house burden 33.97% The neighboring Washington Neighborhood is one of the oldest and most diverse in Dubuque. The neighborhood is in the center of Dubuque's urban core and borders the Historic Millwork District, Bee Branch, North End District and Downtown. The Washington Neighborhood has many historically significant residential and commercial structures. Eighty-six percent of the properties were built prior to 1939, with many dating back to the late nineteenth century. Exterior architecture on these older buildings remains fairly intact; however, the age of the housing and commercial stock creates challenges for maintenance and property values. Consolidated Plan DUBUQUE 114 OMB Control No: 2506-0117 (exp. 06/30/2018) Are there any community assets in these areas/neighborhoods? The City has special incentives in place toward home or rehab purchased in these low/moderate income neighborhoods and continues to invest in economic development and family, youth, and education projects in addition to supporting housing improvements and neighborhood grants and afterschool programs. Are there other strategic opportunities in any of these areas? This area has been the target of considerable rehabilitation efforts and infrastructure improvements. There are multiple efforts targeting the downtown and surrounding areas including CDBG investment. 1 Map Le wnd Black or African American alone (not Hispanic) D-4.89% 4.89.13.33% 13.33.27.82% ■ 27.82.53.08% ■ 53.08% Consolidated Plan Race- Black or African American DUBUQUE 115 OMB Control No: 2506-0117 (exp. 06/30/2018) Low Income Households: % Owner units affordable to 100% HAMFI: % of LI Households With Substandard Housing: 755 66.67% 8.61% % of LI Households With 1.99°o Overcrowd i ng : % of LI Households With Severe Cost Burden: 35..76% Moderate Income Households: 1,045 % of MI Households With Any of 4 Severe Housing Problems: 33..97% % of MI Households With 6.60% Substandard Housing: % of MI Households With 1.8 % Overcrowding: % of MI Households With Severe 25.84% Cost Burden: Consolidated Plan Census Tract 1- Housing Problems DUBUQUE 116 OMB Control No: 2506-0117 (exp. 06/30/2018) MA-60 Broadband Needs of Housing occupied by Low- and Moderate -Income Households - 91.210(a)(4), 91.310(a)(2) Describe the need for broadband wiring and connections for households, including low- and moderate -income households and neighborhoods. Describe the need for increased competition by having more than one broadband Internet service provider serve the jurisdiction. Consolidated Plan DUBUQUE 117 OMB Control No: 2506-0117 (exp. 06/30/2018) Strategic Plan SP-05 Overview Strategic Plan Overview The City of Dubuque distinguishes between four different but complementary areas of program development in its overall CDBG program: Housing Development, Economic Development, Neighborhood and Community Development and Planning and Administration. Administration ensures management, oversight, coordination, and compliance with federal regulations and reporting requirements. The City of Dubuque will address CDBG goals of affordability, sustainability, and accessibility through the following strategic goals over the five-year consolidated plan period. • Assist Special Needs Populations • Develop New Affordable Housing units • Direct Home Ownership Assistance • Fair Housing Education, Outreach and Assistance • Support Neighborhood Development and Improvements • Neighborhood Youth Services and Aftercare • Encourage Self-Sufficiency-Public/Human Services • Provide Inspection and Code Enforcement • Repair and Rehabilitation of Existing Housing Consolidated Plan DUBUQUE 118 OMB Control No: 2506-0117 (exp. 06/30/2018) SP-10 Geographic Priorities — 91.215 (a)(1) Geographic Area Table 48 - Geographic Priority Areas 1 Area Name: City Wide 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: Low/Moderate Area Benefit 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. Consolidated Plan DUBUQUE 119 OMB Control No: 2506-0117 (exp. 06/30/2018) 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 jurisdiction (or within the EMSA for HOPWA) The City encourages income diversity in neighborhoods by incentivizing purchase in low -mod areas for higher income households and providing additional financial resources for extremely -low, low, and moderate -income populations to increase affordability outside areas of high -poverty concentration. By leveraging multiple sources of funding to increase resources for lower -income households, more equitable outcomes are achieved. Program income generated from CDBG funded housing activities represents nearly 98% of the City's CDBG loan portfolio. Consolidated Plan DUBUQUE 120 OMB Control No: 2506-0117 (exp. 06/30/2018) Legend Urban Revitalation Districts IM 2011-2015 ACS CDBGEligible Area Consolidated Plan City of Dubuque Low Mod Income DUBUQUE 121 OMB Control No: 2506-0117 (exp. 06/30/2018) SP-25 Priority Needs - 91.215(a)(2) Priority Needs Table 49 — Priority Needs Summary 1 Priority Need Name More Affordable Housing Units Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Elderly Individuals Families with Children Victims of Domestic Violence Elderly Frail Elderly Persons with Mental Disabilities Persons with Physical Disabilities Persons with Developmental Disabilities Persons with HIV/AIDS and their Families Victims of Domestic Violence Non -housing Community Development Geographic Areas Affected City Wide Low/Moderate Area Benefit Associated Goals Develop New Affordable Housing units Assist Special Needs Populations AFH: Advance Equity with Fair Housing Activities Maintaining Existing Affordable Housing Provide Inspection and Code Enforcement Description Need to increase both the availability of affordable units and fair access to affordable housing to relieve cost burden. Basis for Relative Priority The priority was established through the Needs Assessment, Market Analysis and public and stakeholder input. 2 Priority Need Name Rapid- Rehousing Consolidated Plan DUBUQUE 122 OMB Control No: 2506-0117 (exp. 06/30/2018) Priority Level High Population Chronic Homelessness Individuals Families with Children Mentally III Chronic Substance Abuse veterans Persons with HIV/AIDS Victims of Domestic Violence Unaccompanied Youth Geographic Areas Affected City Wide Low/Moderate Area Benefit Associated Goals Assist the Homeless and At -Risk of Homelessness Description Provide emergency and other shelter as well as homeless prevention such as rapid rehousing. There is a need for emergency, transitional, and permanent housing for homeless and near homeless. Basis for Relative Priority The priority was established through the Needs Assessment, survey, market analysis and public and stakeholder input. 3 Priority Need Name Homeless- Shelter Beds Priority Level High Population Extremely Low Individuals Families with Children Geographic Areas Affected City Wide Associated Goals Assist the Homeless and At -Risk of Homelessness Description There is a significant need for Emergency Shelter beds for Men and emergency and transitional shelter beds for Men with Children as identified in the consultation, needs assessment, and market analysis. Consolidated Plan DUBUQUE 123 OMB Control No: 2506-0117 (exp. 06/30/2018) Basis for Relative Priority The need is supported through the homeless needs assessment, the market analysis of homeless shelters, and key interviews with homeless program staff and the CoC point in time study. 4 Priority Need Name AFH: Fair Housing Education and Outreach Priority Level High Population Low Moderate Large Families Families with Children Elderly Frail Elderly Persons with Mental Disabilities Persons with Physical Disabilities Persons with Developmental Disabilities Geographic Areas Affected City Wide Associated Goals Assist Special Needs Populations AFH: Advance Equity with Fair Housing Activities Description Fair Housing education for the larger community and for recipients to recognize and report violations and for legal aid support. Basis for Relative Priority The priority was established through the Analysis of Impediments to Fair Housing and stakeholder consultation. 5 Priority Need Name Non -Housing Community Needs Priority Level High Population Low Moderate Non -housing Community Development Geographic Areas Affected City Wide Consolidated Plan DUBUQUE 124 OMB Control No: 2506-0117 (exp. 06/30/2018) Associated Goals Assist Special Needs Populations Support Neighborhood Development and Improvements Encourage Self-Sufficiency-Public/Human Services Neighborhood Youth Services and Aftercare Description Public Facility and or infrastructure activities other than low/moderate targeted benefit. Basis for Relative Priority The priority was established through the Needs Assessment, survey, market analysis and public and stakeholder input. 6 Priority Need Name Eliminate Lead Based Paint and other Hazards Priority Level High Population Families with Children Geographic Areas Affected City Wide Associated Goals Maintaining Existing Affordable Housing Description The age of housing in Dubuque necessitates the need to continue to rehabilitate older housing stock to remove lead -based paint and other hazards. Basis for Relative Priority The priority was established through the Needs Assessment, market analysis and public and stakeholder input. 7 Priority Need Name Support Services- Human Services Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Elderly Geographic Areas Affected City Wide Consolidated Plan DUBUQUE 125 OMB Control No: 2506-0117 (exp. 06/30/2018) Associated Goals Assist Special Needs Populations Support Neighborhood Development and Improvements Encourage Self-Sufficiency-Public/Human Services Neighborhood Youth Services and Aftercare Description To assist low and moderate residents with basic needs. Basis for Relative Priority This priority was identified through citizen input and consultation 8 Priority Need Name Support Services- Employment Wages and income Priority Level High Population Low Moderate Large Families Families with Children Geographic Areas Affected Low/Moderate Area Benefit Associated Goals Encourage Self-Sufficiency-Public/Human Services Description Minimum wage is not enough to meet rental obligations with one full time job. There is a significant gender wage difference with women earning significantly less than men and a stakeholder identified need for affordable childcare and other employment supports for low- and mod -income persons. Basis for Relative Priority This was identified through Consultation and the Needs Assessment. 9 Priority Need Name Expand acceptance of HCVs community wide Priority Level High Population Extremely Low Low Moderate Geographic Areas Affected City Wide Consolidated Plan DUBUQUE 126 OMB Control No: 2506-0117 (exp. 06/30/2018) Associated Goals Provide Inspection and Code Enforcement Description There is a need to increase the number of landlords consistently willing to accept HCV as the source of income. There is a need to have landlords across the city who will accept vouchers outside of concentrated areas. Basis for Relative Priority This is a strongly identified need in the needs analysis, the market analysis, and echoed throughout stakeholder input. 10 Priority Need Name New Affordable Housing Priority Level High Population Low Moderate Geographic Areas Affected City Wide Associated Goals Develop New Affordable Housing units Description Due to expected continued high housing demand there is a need to support additional new affordable housing. Basis for Relative Priority This need was identified in the Needs Assessment in terms of affordability of housing, and in the Market Analysis in the current and forecasted need for housing in the City. 11 Priority Need Name Support Services- Employment and Child Care Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Geographic Areas Affected Low/Moderate Area Benefit Associated Goals Encourage Self-Sufficiency-Public/Human Services Neighborhood Youth Services and Aftercare Consolidated Plan DUBUQUE 127 OMB Control No: 2506-0117 (exp. 06/30/2018) Description A need has been identified through citizen input and consultation to provide low- and moderate- income families with services to obtain and maintain employment, such as affordable childcare in their neighborhoods and or at employment sites. Basis for Relative Priority The priority was established through the Needs Assessment, focus groups, Market Analysis and public and stakeholder input. 12 Priority Need Name Support Services- Mental Health & Substance Abuse Priority Level High Population Low Moderate Geographic Areas Affected City Wide Associated Goals Assist the Homeless and At -Risk of Homelessness Encourage Self-Sufficiency-Public/Human Services Description The community has identified co-occurring mental health and substance abuse services as a precipitator to homelessness and a barrier to maintaining housing and self-sufficiency. Basis for Relative Priority Consultation and citizen input 13 Priority Need Name Increase Self Sufficiency Priority Level High Consolidated Plan DUBUQUE 128 OMB Control No: 2506-0117 (exp. 06/30/2018) Population Extremely Low Low Large Families Families with Children 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 City Wide Associated Goals Assist the Homeless and At -Risk of Homelessness Assist Special Needs Populations Encourage Self-Sufficiency-Public/Human Services Neighborhood Youth Services and Aftercare Description Create sustainable situations for at -risk populations to work towards economic independence. Basis for Relative Priority The priority was established through the Needs Assessment, survey, market analysis and public and stakeholder input. 14 Priority Need Name Legal Support and Education on Fair Housing Priority Level High Consolidated Plan DUBUQUE 129 OMB Control No: 2506-0117 (exp. 06/30/2018) Population Extremely Low Low Moderate Large Families Families with Children 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 Non -housing Community Development Geographic Areas Affected City Wide Low/Moderate Area Benefit Associated Goals AFH: Advance Equity with Fair Housing Activities Description The need for low- and moderate -income citizens particularly in protected classes to understand their legal rights and have legal support when pursuing legal remedies to code violations, discrimination, evictions or other tenant and civil rights issues. Basis for Relative Priority The priority was established through the Needs Assessment, market analysis and public, stakeholder input, and more predominantly, the Analysis of Impediments to Fair Housing. 15 Priority Need Name Homeownership Opportunities Priority Level High Population Low Moderate Large Families Families with Children Elderly Persons with Mental Disabilities Persons with Physical Disabilities Geographic Areas Affected City Wide Consolidated Plan DUBUQUE 130 OMB Control No: 2506-0117 (exp. 06/30/2018) Associated Goals Direct Home Ownership Assistance Description There is a need to increase homeownership opportunities for low and moderate -income households, with special outreach to women, Black/African- Americans and other minority groups. Basis for Relative Priority This need was identified through consultation, citizen input, Needs Assessment, market analysis, and analysis of Impediments to Fair Housing. 16 Priority Need Name Analysis of rent increase in Mobile Home Housing Priority Level High Population Low Moderate Elderly Persons with Mental Disabilities Persons with Physical Disabilities Persons with Developmental Disabilities Geographic Areas Affected Low/Moderate Area Benefit Associated Goals Maintaining Existing Affordable Housing Description Citizens and other partners are reporting a recent escalation of rents in this low - to moderate- housing stock, which provides significant housing units for Elderly and Disabled citizens of Dubuque. There is a need to maintain these affordable units in the housing stock. The City Council adopted a policy change in November 2019 to add Mobile Homes to the Housing Choice Voucher policy. Basis for Relative Priority This priority was established through key interviews, public input through the City council and Human Rights Department, and through the Market Analysis. 17 Priority Need Name Assessible housing for Special Needs Population Priority Level High Consolidated Plan DUBUQUE 131 OMB Control No: 2506-0117 (exp. 06/30/2018) Population Extremely Low Low Moderate Elderly Persons with Physical Disabilities Persons with Developmental Disabilities Geographic Areas Affected City Wide Associated Goals Assist Special Needs Populations Maintaining Existing Affordable Housing Description There continues to be a demand for affordable housing for special needs populations. Basis for Relative Priority This need was identified through the needs assessment and housing market analysis. 18 Priority Need Name Maintain Safety through Code Enforcement Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Elderly Geographic Areas Affected City Wide Low/Moderate Area Benefit Associated Goals Support Neighborhood Development and Improvements Maintaining Existing Affordable Housing Provide Inspection and Code Enforcement Description There is a need to enforce current code in the existing low -moderate income housing stock and preserve existing housing and residential neighborhoods through code enforcement and historic preservation efforts. Basis for Relative Priority This need was established through consultation, Analysis of Impediments to Fair Housing and current Code Enforcement efforts. Consolidated Plan DUBUQUE 132 OMB Control No: 2506-0117 (exp. 06/30/2018) 19 Priority Need Name Improve existing owner -occupied structures Priority Level High Population Low Moderate Large Families Families with Children Elderly Elderly Persons with Physical Disabilities Geographic Areas Affected City Wide Low/Moderate Area Benefit Associated Goals Assist Special Needs Populations Maintaining Existing Affordable Housing Provide Inspection and Code Enforcement Description Financing or funding to directly to homeowners or nonprofits serving homeowners on rehabilitating existing structures such as code related repairs, energy efficient upgrades, accessibility modifications and historic exterior upgrades. Basis for Relative Priority This was determined through the Needs Assessment, Consultation, current program efforts, and the Market Analysis. 20 Priority Need Name Improve physical environments Priority Level High Population Low Moderate Large Families Families with Children Elderly Elderly Persons with Physical Disabilities Non -housing Community Development Geographic Areas Affected Low/Moderate Area Benefit Consolidated Plan DUBUQUE 133 OMB Control No: 2506-0117 (exp. 06/30/2018) Associated Goals Assist Special Needs Populations Maintaining Existing Affordable Housing Description Improve Infrastructure and Physical Environments in Low -Mod income neighborhoods. Basis for Relative Priority This need was established through the assessment of current programs, Consultation, and the Market Analysis. 21 Priority Need Name High Speed Internet Access Priority Level Low Population Low Moderate Geographic Areas Affected Low/Moderate Area Benefit Associated Goals Support Neighborhood Development and Improvements Description Improve equitable access of high speed Internet access Among all households, 50.0 percent had a cellular data plan; 64.9 percent had a broadband subscription such as cable, fiber optic, or DSL; 7.7 percent had a satellite internet subscription; 0.8 percent had dial -up alone; and 0.4 percent had some other service alone. Basis for Relative Priority This need was identified through the housing market analysis and in conjunction with the City's consolidated plan. 22 Priority Need Name Diversified Neighborhoods Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Elderly Consolidated Plan DUBUQUE 134 OMB Control No: 2506-0117 (exp. 06/30/2018) Geographic Areas Affected Low/Moderate Area Benefit Associated Goals Develop New Affordable Housing units Description The City is exploring ways to partner with developers and other partners to create new homeownership opportunities outside of clustered areas of poverty. Basis for Relative Priority The priority was established through the Market Analysis and public input. 23 Priority Need Name Increasing Social Capital Priority Level High Population Extremely Low Low Moderate Middle Geographic Areas Affected City Wide Associated Goals Support Neighborhood Development and Improvements Encourage Self-Sufficiency-Public/Human Services Neighborhood Youth Services and Aftercare Description The ability for community resiliency during times of stress such as a natural disaster has been linked to increasing social capital. Social capital is evidenced by close interaction, reliance during times of crisis, and open communication. A resilient Dubuque will be able to function, sustain, and adapt under stress. The City has identified a need for investing in neighborhoods in a way that supports and builds social capital such as building neighborhood infrastructure that encourages social interactions and supporting neighborhood projects and community building through grants. Basis for Relative Priority The need for increased social capital was identified in the Housing Market Analysis and in consultation with the Community Development Advisory Committee and the City's Resiliency Committee. 24 Priority Need Name Improve Existing Affordable Rental Units Priority Level High Consolidated Plan DUBUQUE 135 OMB Control No: 2506-0117 (exp. 06/30/2018) Population Extremely Low Low Moderate Large Families Families with Children Elderly Elderly Geographic Areas Affected City Wide Associated Goals Support Neighborhood Development and Improvements Maintaining Existing Affordable Housing Description Based on the continued code enforcement efforts in the City, several affordable housing structures are under significant code enforcement costing more than landlords can afford. Low income residents continue to live in these structures because they are not condemnable, but wait for court action to force a sale of the property. Providing assistance to responsible landlords renting to low to moderate income residents will be essential to providing safe, healthy and affordable housing choice in the community. Basis for Relative Priority Over 600 affordable housing rental units have been identified as sub -standard, and that number continues to climb with the aging housing stock in Dubuque. Approximately 40% of residents rent as opposed to owning a home, a higher percent of those being low to moderate income, and need safe, healthy and affordable places to live. Narrative (Optional) Dubuque's priority needs were identified through an extensive public input process. Goals were developed directly from priority needs identified through the public input process. Priority needs were identified in categories including affordable housing, fair housing, homelessness, self-sufficiency and neighborhood needs (infrastructure). All needs and goals were identified through the context of eligible uses of HUD funding. The City will use its available CDBG and HOME resources to fund activities that will achieve the goals identified in the plan and address the priority needs identified by the public as funding allows. The Housing & Community Development Department works closely with the local Continuum of Care. Community Development and Housing Department staff remain in communication with the local Homeless Advisory Council to remain informed and align priorities and funding to address needs of residents experiencing or at risk of homelessness. The Community Development Department assists CoC Consolidated Plan DUBUQUE 136 OMB Control No: 2506-0117 (exp. 06/30/2018) applicants providing services in the jurisdiction to ensure programming aligns with the needs identified in the Consolidated Plan, and also to amend the Consolidated Plan, if necessary, based on identified needs. The City is already investing in its older neighborhoods and aiding, along with the federal and state agencies, to support first-time homeowners and owner -occupants seeking to rehab and update their properties. The following actions can help ensure that Dubuque's housing stock and neighborhoods are viable, livable, and equitable well into the future. CDBG funds will be used for eligible housing activities, such as homeowner repair and rehabilitation, lead hazard reduction, rental rehabilitation, rehabilitation services and staff costs, and direct financial assistance for homebuyers. Activities that increase rental stock, quality, and affordability, and initiatives around health and energy efficiency, will have a beneficial effect the livability of the City, accessibility and equity for residents of all income levels, such as: • Look to increase wages and self-sufficiency opportunities in the community to make housing more attainable. • Adopt and implement a mix of educational/outreach programs to increase housing provider participation in Housing Choice Voucher program. • Adopt and implement a mix of financial incentives/policies for Housing Choice Voucher unit availability in locations throughout the City. • Foster partnerships with private and non-profit housing developers to provide affordable, quality housing units. • Continue to review the City's codes and incentives to ensure what is working continues, and that any other barriers are a priority to address and remove. • Monitor affordability and housing stress. • Partner with local agencies to facilitate quality childcare and assistance with non -housing basic needs. Consolidated Plan DUBUQUE 137 OMB Control No: 2506-0117 (exp. 06/30/2018) SP-30 Influence of Market Conditions — 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) The Housing Choice Voucher program is the primary way that the City provides affordable housing, however there are not enough vouchers for all the households in need of affordable housing. There continues to be a need to provide affordable housing outside of high poverty areas. Most of the waiting list for the voucher program are extremely low income and cost burdened. As shown by the previous sections, the demand for rental has increased and is expected to increase throughout the course of this plan as the number of cost - burdened families and individuals continues to grow. TBRA for Non- Homeless Special Needs This population is already cost -burdened, and the availability of accessible housing is scarce. The Non -Homeless Special Needs populations within the City have a variety of housing needs. The increase in demand for rentals places an especially high need for affordable and available special need populations within the state -particularly where physical accessibility needs exist. New Unit Production In the period covered by this Plan, the City will refine procedures to identify and support multi -family housing projects that meet the goals outlined in this and other adopted City plans. The City utilizes tax rebates, abatements, land donations, and direct financial assistance to provide resources developers need to produce financially feasible projects. Effective relationships with developers of affordable housing, potential buyers of at -risk housing, advocacy groups, lenders, community groups, and education about how to maintain existing affordable housing helps ensure the number of affordable units is maintained. As shown in the Market Analysis, housing production has not been keeping pace with demand, resulting in increasing prices for owners and renters alike. Rehabilitation Dubuque has some of the oldest housing stock in IOWA with 80% being built before 1980, putting it at greater risk for lead based paint hazards. Based on data and feedback from stakeholders, there is a great demand for rental unit rehabilitation to ensure existing housing stock is safe and remains affordable and remains in the market as demand increases. Acquisition, including preservation The City uses several strategies to maintain affordable housing. Conservation districts, local tax abatement options, and low -interest and forgivable loans increase the availability of resources to improve housing while maintaining affordability. There is a high need for preservation of affordable units. The City would help in the acquisition of land for development when opportunities arise. Table 50 — Influence of Market Conditions Consolidated Plan DUBUQUE 138 OMB Control No: 2506-0117 (exp. 06/30/2018) Consolidated Plan DUBUQUE 139 OMB Control No: 2506-0117 (exp. 06/30/2018) SP-35 Anticipated Resources - 91.215(a)(4), 91.220(c)(1,2) Introduction The City combines public and private funding to carryout affordable housing activities described in the Plan. The City's Urban Renewal Plan designates Tax Increment Financing (TIF) districts that provide aid related to housing and residential development when a portion of the increment generated is dedicated to housing assistance for low- and moderate -income family housing. Non-profit developers use TIF resources set aside for low- and moderate -income housing to fill financing gaps often associated with the rehabilitation of historic housing. Other development funding can be obtained through application for private and public sources that include local tax incentives and funding, federal and state low-income and historic tax credits, and private sources. The City supports housing developers applying for other sources of funding when their projects align with the City's goals and priorities identified in the Consolidated Plan. Tax abatement and local resources to incentivize new rental unit development allow housing developers to show local support and increase the financial feasibility and competitiveness when applying for scarce affordable housing resources. Non -housing community development activities leverage CDBG federal funds to carryout activities identified in the Plan. Anticipated Resources Program Source of Funds Uses of Funds Expected Amount Available Year 1 Expected Amount Available Remainder 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 1,080,989 254,192 1,000,000 2,335,181 5,321,000 Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 140 Table 51 - 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 Leveraging of private and nonfederal resources by using of federal funds will be attempted whenever possible. Leveraging of resources in conjunction with the use of federal CDBG funds will continue to be a priority to maximize accomplishments. Public services agencies using CDBG provide some level of match. City departments receiving entitlement funds leverage those dollars with other resources. For example, the City's Housing & Community Development Department leverages CDBG funding with federal grants for lead -based paint testing and remediation activities. If appropriate, describe publically owned land or property located within the jurisdiction that may be used to address the needs identified in the plan None Discussion Please see above. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 141 SP-40 Institutional Delivery Structure — 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 City of Dubuque Government Economic Development Homelessness Ownership Planning Public Housing Rental neighborhood improvements public facilities public services Jurisdiction Table 52 - Institutional Delivery Structure Assess of Strengths and Gaps in the Institutional Delivery System The City as a whole has committed in its Imagine Dubuque 2037 plan to diversify Dubuque's economy by retaining, expanding, and growing local businesses; attracting new businesses; maintaining an abundance of employment opportunities; and offering top quality -of -life options that create an equitable community where young professionals want to live and raise their families, supporting the availability of a diverse, skilled workforce. The city has partnerships across sectors to support its community and housing goals. 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 Legal Assistance X Mortgage Assistance X Rental Assistance X X Utilities Assistance X X Street Outreach Services Law Enforcement X X Mobile Clinics Other Street Outreach Services X X Consolidated Plan DUBUQUE 142 OMB Control No: 2506-0117 (exp. 06/30/2018) Supportive Services Alcohol & Drug Abuse X Child Care X Education X Employment and Employment Training X Healthcare X HIV/AIDS X Life Skills X X Mental Health Counseling X X Transportation X Other X Table 53 - 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) The Housing and Community Development Department applies for Continuum of Care funding to provide permanent supportive housing for homeless individuals with substance abuse, mental illness, HIV/AIDS related illness, or other disabilities impacting their ability to maintain housing. The programs housing -first model allows chronically homeless and hard -to -house families an opportunity to transition into housing and then receive support services specifically tailored to meet the family's unique needs. 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 While the Continuum of Care program and housing first model is effective, there are long waiting lists. The low supply of affordable housing and housing vouchers are a challenge to move participants to self-sufficiency and create openings for new participants. With limited funding, some shelters are only able to remain open seasonally. There currently are no family shelters that accept men and no shelter beds in the area for unaccompanied youth. 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 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 Consolidated Plan DUBUQUE OMB Control No: 2506-0117 (exp. 06/30/2018) 143 The City partners with the CoC, area shelters, and non -profits provide grants for purchase of services. The City works with the Homeless Advisory Council which conducts an annual analysis of needs. Consolidated Plan DUBUQUE 144 OMB Control No: 2506-0117 (exp. 06/30/2018) SP-45 Goals Summary — 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 Assist the Homeless and At- Risk of Homelessness 2021 2025 Homeless City Wide Rapid- Rehousing Increase Self Sufficiency Homeless- Shelter Beds Support Services- Mental Health & Substance Abuse Public service activities other than Low/Moderate Income Housing Benefit: 0 Persons Assisted Tenant -based rental assistance / Rapid Rehousing: 0 Households Assisted Homeless Person Overnight Shelter: 0 Persons Assisted Homelessness Prevention: 0 Persons Assisted Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 145 Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator 2 Assist Special Needs Populations 2021 2025 Affordable Housing Non -Homeless Special Needs City Wide More Affordable Housing Units Increase Self Sufficiency AFH: Fair Housing Education and Outreach Non -Housing Community Needs Support Services - Human Services Assessible housing for Special Needs Population Improve existing owner -occupied structures Improve physical environments Public Facility or Infrastructure Activities for Low/Moderate Income Housing Benefit: 0 Households Assisted 3 Develop New Affordable Housing units 2021 2025 Affordable Housing Homeless Non -Homeless Special Needs City Wide More Affordable Housing Units New Affordable Housing Diversified Neighborhoods Rental units constructed: 0 Household Housing Unit 4 Direct Home Ownership Assistance 2021 2025 Affordable Housing City Wide Homeownership Opportunities CDBG: $0 Direct Financial Assistance to Homebuyers: 10 Households Assisted Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 146 Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator 5 AFH: Advance Equity with Fair Housing Activities 2021 2025 Affordable Housing Homeless Non -Homeless Special Needs Non -Housing Community Development City Wide More Affordable Housing Units AFH: Fair Housing Education and Outreach Legal Support and Education on Fair Housing Public service activities other than Low/Moderate Income Housing Benefit: 0 Persons Assisted 6 Support Neighborhood Development and Improvements 2021 2025 Non -Housing Community Development Low/Moderate Area Benefit Non -Housing Community Needs Support Services- Human Services Maintain Safety through Code Enforcement High Speed Internet Access Increasing Social Capital Improve Existing Affordable Rental Units Public Facility or Infrastructure Activities other than Low/Moderate Income Housing Benefit: 0 Persons Assisted Consolidated Plan DUBUQUE OMB Control No: 2506-0117 (exp. 06/30/2018) 147 Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator 7 Neighborhood Youth Services and Aftercare 2021 2025 Non -Housing Community Development City Wide Increase Self Sufficiency Support Services- Employment and Child Care Non -Housing Community Needs Support Services - Human Services Increasing Social Capital Public service activities other than Low/Moderate Income Housing Benefit: 0 Persons Assisted 8 Encourage Self- Sufficiency- Public/Human Services 2021 2025 Non -Housing Community Development City Wide Low/Moderate Area Benefit Increase Self Sufficiency Support Services- Employment and Child Care Non -Housing Community Needs Support Services - Human Services Support Services - Employment Wages and income Support Services - Mental Health & Substance Abuse Increasing Social Capital Public service activities other than Low/Moderate Income Housing Benefit: 0 Persons Assisted Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 148 Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator 9 Provide Inspection and Code Enforcement 2021 2025 Affordable Housing City Wide Low/Moderate Area Benefit More Affordable Housing Units Expand acceptance of HCVs community wide Maintain Safety through Code Enforcement Improve existing owner -occupied structures Housing Code Enforcement/Foreclosed Property Care: 0 Household Housing Unit Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 149 Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator 10 Maintaining Existing Affordable Housing 2021 2025 Affordable Housing Non -Homeless Special Needs City Wide Low/Moderate Area Benefit More Affordable Housing Units Eliminate Lead Based Paint and other Hazards Analysis of rent increase in Mobile Home Housing Assessible housing for Special Needs Population Maintain Safety through Code Enforcement Improve existing owner -occupied structures Improve physical environments Improve Existing Affordable Rental Units CDBG: $0 Public Facility or Infrastructure Activities for Low/Moderate Income Housing Benefit: 0 Households Assisted Table 54 — Goals Summary Goal Descriptions Consolidated Plan DUBUQUE OMB Control No: 2506-0117 (exp. 06/30/2018) 150 1 Goal Name Assist the Homeless and At -Risk of Homelessness Goal Description Funds will be used to assist chronically, and at -risk homeless individuals move from living on the street to stabilized, permanent housing situations. Planned activities include outreach, case management, emergency shelter, rapid re- housing, and supportive services. The City's competitive Purchase of Services Grants program provides agencies that deliver homeless prevention assistance with opportunities for funding, but the reality is limited public service funds limit the number of organizations and households able to access these services. As part of the planning process for community wide coordination of CoC programs, the City is collaborating with service providers to identify those most at risk of becoming homeless and diverting resources to meet those needs. 2 Goal Name Assist Special Needs Populations Goal Description Special Needs populations continue to have a variety of unmet needs including affordable and accessible housing and neighborhoods. Homeless and at -risk with special needs populations are served in partnership with the CoC. Human services continue to be a high priority in the City. This crosses several programs which provide new, rehabilitated housing units, emergency and rental rehabilitation loans, purchase of services, and neighborhood improvements. 3 Goal Name Develop New Affordable Housing units Goal Description Affordable housing options continue to be limited within the City, and often restricted to certain geographic areas. Based on the housing needs, housing supply, severity of housing problems and community input, the City continues to make affordable and fair housing a goal and a priority. The purpose of this goal is to increase the availability, accessibility, affordability and sustainability of affordable housing units. The City encourages affordable housing across its programs through partnerships, policy, tax incentives and loan programs. 4 Goal Name Direct Home Ownership Assistance Goal Description Affordable housing options continue to be limited within the City, and often restricted to certain geographic areas. The City provides direct assistance with down payments and closing costs to eligible low-income residents. Based on the housing needs, housing supply, severity of housing problems and community input, the City continues to make affordable housing a goal and a priority. This includes the first-time homebuyer program. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 151 5 Goal Name AFH: Advance Equity with Fair Housing Activities Goal Description The City will support programs designed to increase awareness of fair housing laws providing education and outreach to households and property owners, as well as provide education and assistance on its other programs such as housing choice vouchers, First Time Home Buyer Program and how to pursue complaints regarding fair housing. 6 Goal Name Support Neighborhood Development and Improvements Goal Description The purpose of this goal is to preserve and improve as needed, public facilities that serve a high percentage of low income or special needs residents to address the needs of public infrastructure, facilities, and parks in targeted areas. The City will also use CBDG funds as feasible and available to rehabilitate facilities with urgent needs to address accessibility issues, dilapidated structures, and other safety code or ADA compliance issues. Examples of activities include accessible curb ramps, street overlays, grants for sidewalk repairs or other activities which contribute to maintaining a suitable living environment. The City offers additional neighborhood support grants for low/mod neighborhoods to encourage self - initiated revitalization efforts including physical improvements, clean-ups, communication efforts, or other special projects. 7 Goal Name Neighborhood Youth Services and Aftercare Goal Description An enhanced recreation program is offered in the City's older low and moderate -income neighborhoods to meet the needs of at -risk youth promote self-esteem and build community. Activities include expanded after -school programs, open gym, basketball league, music lessons, playtime for tots, scholarships, swim passes, summer day camp and other recreational programs. 8 Goal Name Encourage Self-Sufficiency-Public/Human Services Goal Description Local non-profit organizations that serve low/income individuals/families apply for grants to assist low/mod residents with their basic emergency needs: Food, Shelter, and Healthcare; a safety -net, or other valuable services to improve self- sufficiency, improved physical environments or quality of life or other funding that is eligible for CDBG and meets the City Council goals. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 152 9 Goal Name Provide Inspection and Code Enforcement Goal Description Preserve existing affordable housing, protect resident safety, and equalize quality of housing in the City of Dubuque through inspection and enforcement staff services to low/mod areas for zoning ordinance infractions and to provide support for neighborhood clean-up efforts. 10 Goal Name Maintaining Existing Affordable Housing Goal Description Affordable housing options continue to be limited within the City, and often restricted to certain geographic areas. Based on the housing needs, housing supply, severity of housing problems and community input, the City continues to make affordable housing a goal and a priority. The city is committed to identifying and improving the existing housing stock in Dubuque and maintaining current affordable and safe housing stock. Activities to meet this goal include acquisition - rehabilitation, lead paint hazard remediation, code enforcement and neighborhood programs. The City provides loans to correct code deficiencies for emergency corrections to rental properties, non -emergency rehab loans, and forgivable loans to disabled tenants to make rental units accessible to the physically disabled. 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) X# of Households will be assisted with affordable housing. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 153 SP-50 Public Housing Accessibility and Involvement — 91.215(c) Need to Increase the Number of Accessible Units (if Required by a Section 504 Voluntary Compliance Agreement) The City does not have public housing. The City uses the Section 8 Housing Choice Voucher program to provide affordable housing options. The Housing & Community Development Department is the PHA for the City. The City has 1,072 vouchers but is unable to issue to capacity due to budgetary constraints. The City, serving as the PHA, ensures leasing to 95% of the budget capacity, as required by the Voluntary Compliance Agreement. The Rehabilitation Supervisor at Housing & Community Development works with Family Self -Sufficiency and Gaining Opportunities participants to increase awareness about homeownership options. All Housing Choice Voucher participants are invited to join the City's Family Self -Sufficiency (FSS) and Gaining Opportunities programs. These programs offer unique, person -centered coaching to support the individual's needs. Goal planning, resource coordination, job readiness, and family supports are all provided. The Rehabilitation Supervisor regularly visits with Family Self -Sufficiency caseworkers and Gaining Opportunities and FSS participating families. The programs coordinate resources to help buyers establish bank accounts, Individual Development Accounts (IDA's), homeownership counseling, and resources to purchase a home. Activities to Increase Resident Involvements The City of Dubuque Housing and Community Development Department does support resident involvement in its voucher program through a resident advisory board. The board meets monthly and advises on relevant issues. Is the public housing agency designated as troubled under 24 CFR part 902? No Plan to remove the `troubled' designation The agency is not designated as troubled. Consolidated Plan DUBUQUE 154 OMB Control No: 2506-0117 (exp. 06/30/2018) SP-55 Barriers to affordable housing — 91.215(h) Barriers to Affordable Housing The lack of affordable quality housing for low-income individuals and families is not keeping pace with the demand. Homeownership is disproportionately low among African Americans. Additionally, low income housing is concentrated in specific neighborhoods. One concern is that not all landlords accept HCVs and are of the practice of identifying the source of income to pay rent prior to leasing which adversely effects voucher holders. Some landlords specifically advertise that they do not accept these vouchers (typically called Section 8) as a source of income for rent. The practice of "source of income" has been identified as an arbitrary factor unrelated to a person's ability to be a good tenant and recommended the Human Rights commission consider include source of income as a protected class. The Housing & Community Development, Human Rights, and Planning Services Departments partnered with local stakeholders to better understand how source of income impacts tenants, particularly Housing Choice Voucher holders. The City has identified a limited number of housing providers participating in the voucher program. To address this, a "Source of Income" committee was formed. The Committee is made up of key city staff, board and commission members, housing providers, and housing advocacy groups. The group analyzed data, information, and organized a series of community dialogues to gain insight into the issues surrounding the impact of such an ordinance and other options to increase housing choice for voucher holders. The City incentivizes landlords, developers and employers throughout its CDBG programs, to support low- and mod- income persons and housing and to target underserved minority groups. The City's Housing & Community Development Department is currently leading a rebranding of the Housing Choice Voucher Program. Minority groups are targeted for education around Fair Housing and home ownership. The Department will utilize City commissions and other advisory groups that play an important role in the governance of department programs. Members of the commissions and advisory groups are community volunteers whose contributions help maintain and improve the quality of life for Dubuque residents. Strategy to Remove or Ameliorate the Barriers to Affordable Housing In the Housing Choice Voucher Program, the City of Dubuque will continue its efforts to address barriers which included: • Eliminating local residency preference points • Maximizing voucher lease ups for five years • Maintaining a monthly accounting of the voucher waiting list including information on applications received, rejected and accepted, and applicant information on race ethnicity, and current or originating address. Consolidated Plan DUBUQUE 155 OMB Control No: 2506-0117 (exp. 06/30/2018) • Utilizing future funding to target minority groups who have been adversely impacted in the past. The City Council has adopted two additional strategies recommended by the Source of Income Committee: • Adopt and implement a mix of educational and outreach programs to increase participation in the Housing Choice Voucher Program. • Adopt and implement a mix of financial incentives and policies for creation of Housing Choice Voucher Units throughout the community. To expand housing options while promoting both economic development and affordable housing, the city of Dubuque has been utilizing a tool called Tax Increment Financing. Tax Increment Financing is typically used by cities to fund public improvement projects or to provide private project -based financing assistance in conjunction with developing or redeveloping different parts of the City. In recent years, the City has created four Housing Tax Increment Financing districts around the periphery of the community. Each of these districts has an Urban Renewal Plan that describes the specific use of tax increment funds. Consistent with state law, these Districts have set aside approximately 38% of project cost increment to benefit low- and moderate -income family housing opportunities anywhere in the city of Dubuque. This is starter housing for Dubuque's current and future workforce and for vulnerable populations like the elderly and disabled. Initial plans call for much of this assistance to occur in downtown neighborhoods through the City's CHANGE Program. From 2016-2022, Dubuque's four Housing Tax Increment Financing Districts are projected to generate $3.9 million for affordable housing. Housing Tax Increment Financing Districts include: • Timber Hyrst — created in 2014 to promote additional residential options by assisting with the funding of road and utility improvements along portions of North Cascade Road. • English Ridge — formed in 2015 to promote additional residential options and provide funding for water main installation. • South Pointe — created in 2017 to generate funds for improved roads and utilities in the designated area, as well as provide funding to assist with affordable housing anywhere within the city of Dubuque. • Rustic Point — created in 2017 to help fund installation of sewer and water utilities related to housing and residential development. The City of Dubuque Urban Revitalization Program targets older neighborhoods in the city through incentives such as property tax exemptions that can go towards new improvements. Owners within designated Urban Revitalization districts are eligible to receive a 10-year exemption from property tax liability that would normally be associated with improvements. These efforts are managed by the City's Housing & Community Development Department. Consolidated Plan DUBUQUE 156 OMB Control No: 2506-0117 (exp. 06/30/2018) SP-60 Homelessness Strategy — 91.215(d) Reaching out to homeless persons (especially unsheltered persons) and assessing their individual needs Dubuque is in the Balance of State for Iowa's Continuum of Care (CoC). Not -for -Profit service providers lead the coordination of services and housing for the homeless. The Community Development Specialist assists local Continuum of Care applicants with the environmental review process and determining consistency with the Consolidated Plan. Staff from Housing & Community Development attend Continuum of Care meetings to assist in identifying and responding to the needs of homeless persons. Over 50 individuals make up the membership of the Homeless Advisory Council, working to streamline and coordinate services and resources to meet the needs of homeless and near homeless community members. Non-profit organizations providing homeless services including but not limited to referrals, outreach, point -in -time count, coordinated entry, emergency & transitional shelter, and permanent supportive housing. Organizations providing family self-sufficiency, advocacy, employment, employment services & job training, substance abuse services, health, wellness, domestic violence, sexual assault, mental health and dental services are available, as well as representation from the City of Dubuque Police Department, Housing Authority, and Dubuque County Commission of Veteran's affairs. The Homeless Advisory Council coordinates point -in -time homeless counts in July and January to evaluate capacity and need for services. Hillcrest Family Services provides outreach, in partnership with other organizations coordinating access for unsheltered persons. The City partners with East Central Development Corporation (ECDC) to provide permanent supportive housing, targeting homeless populations with mental health, HIV/AIDS related illness, and/or substance abuse. The City Purchase of Services Grants provide funding opportunities for organizations meeting identified human services needs in the community. It is anticipated organizations providing homeless services will continue applying for these resources to meet needs. Addressing the emergency and transitional housing needs of homeless persons The City had 8 organizations providing access to emergency and transitional shelter services during the Winter 2019 point in time homeless count. Some of these organizations serve specific populations, such as pregnant women and victims of domestic violence. The bed capacity for these organizations is 167 and 116 persons were sheltered on that day. There is a shortage of emergency shelter beds for men and the City is working with its partners to address the issue. The City also partners with local non -profits to deliver the Phoenix Housing program. Phoenix Housing provides permanent, supportive housing for homeless living with disabilities. Homeless outreach, emergency, transitional, permanent, and support services are coordinated with local providers. This is the City's only program serving the homeless using the housing first model for permanent supportive housing. Consolidated Plan DUBUQUE 157 OMB Control No: 2506-0117 (exp. 06/30/2018) 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. A network of service providers coordinates to provide a range of services for homeless and near homeless populations. The Homeless Advisory Council conducts point -in -time homeless counts in January, as required, but also in summer months to identify persons who may seek shelter during severe winter weather but are usually unsheltered. The City's Police Department coordinates with outreach workers to identify unsheltered individuals and provide access to services. The City of Dubuque supports organizations providing human service activities through Purchase of Services Grants. Not -for -profit organizations meeting a human service need in the community can apply for CDBG and General Funds on an annual basis. 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 The City of Dubuque and State of Iowa require publically funded institutions and facilities to have discharge plans that include adequate and stable housing; however, the follow-up on those plans is difficult in many situations. The City of Dubuque established a rapid re -housing fund that starts in FY 2020 in case a short-term issue is found when executing a discharge plan for a resident. The City of Dubuque is also working with many community non -profits and business partners to establish a "one - stop shop" for assistance that is provided across multiple agencies, but can easily be accessed under the umbrella of one entity to help this vulnerable population access assistance. Consolidated Plan DUBUQUE 158 OMB Control No: 2506-0117 (exp. 06/30/2018) SP-65 Lead based paint Hazards — 91.215(i) Actions to address LBP hazards and increase access to housing without LBP hazards Regarding quality housing, the City utilizes the 2015 International Property Maintenance Code, along with local amendments, to promote sound safety and quality property maintenance. The City has also focused on improving the existing housing stock. The City now requires housing developers to accept HCV participants in conjunction with approval of an affordable housing development agreement related to an urban revitalization plan. Dubuque's Lead Hazard Control & Healthy Homes Program allocates money to households in need, particularly those with young children who are most vulnerable to environmental hazards. The City received $3.58 million in Lead Hazard Control funds to remediate lead hazards in 120 housing units over the next 3.5 years. The grant provides opportunity for outreach, education about lead safety hazards, remediation, and training. The program secured funding to train and certify lead contractors. The City's Water, Engineering, Public Works, and Housing Department will coordinate to notify residents when street projects will take place and encourage income eligible households to apply for forgivable grants to replace identified lead service lines at that time that are funded through general funds of the City. The City applied for the Lead Hazard Control Grant and in April 2019 was awarded $581,000 in Healthy Home funds and $2,999,968 in lead hazard control funds for a total of $3,580,968. The program has a local match of $648,454 and proposes to do 120 units in the 3.5-year grant period. The Lead and Healthy Homes Program effectively delivers successful lead remediation activities for income eligible households. The grant provides additional funds to address health and safety hazards in the home, and coordinates with a Home Advocate to build social capacity for participating families. All CDBG funded activities use the required level of lead assessment when performing rehab on homes. Homeowners and renters are provided information and resources about lead and lead poisoning, as well as information on where and when children should be tested. Code enforcement activities identify visible hazards from peeling paint and housing code to ensure the health and wellbeing of children living in these units. How are the actions listed above related to the extent of lead poisoning and hazards? Property owners must certify the above preference at specified intervals provided by the City and failure to comply will result in remaining balance of forgivable loan becoming due and payable on the date of notification of non- compliance. How are the actions listed above integrated into housing policies and procedures? On October 16, 2019 HCD made recommendations to the City Council regarding opportunities to create additional choice of units for HCV holders related to the Lead & Healthy Homes grant program which is Consolidated Plan DUBUQUE 159 OMB Control No: 2506-0117 (exp. 06/30/2018) helping create lead safe rental units for low to moderate income residents, of whom most would qualify for housing assistance in the form of a Housing Choice Voucher. HCD proposed that property owners participating the Lead & Healthy Homes program be required, for the term of the forgivable loan, for any funded unit, to give preference to low to moderate income families, being defined as below 80% area Median Income, and accept HCVs if the prospective tenant is otherwise qualified. Consolidated Plan DUBUQUE 160 OMB Control No: 2506-0117 (exp. 06/30/2018) SP-70 Anti -Poverty Strategy — 91.215(j) Jurisdiction Goals, Programs and Policies for reducing the number of Poverty -Level Families The City of Dubuque, led by the Planning Committee, is currently involved in a city-wide initiative to engage the community in the development of an Equitable Poverty Prevention Plan. This work will be completed by October 2020 and will identify and implement best practices in poverty prevention, with an eye to various communities in Dubuque, including Marshallese populations, Black and Hispanic residents and other people of color, formerly incarcerated people and people with records, homeless individuals, seniors, immigrants, persons with disabilities, and all individuals and families living in poverty. A core goal of the Equitable Poverty Prevention Plan is self-sufficiency for all individuals and families in Dubuque. The city partners with a number of providers and leads several initiatives to support residents in achieving self-sufficiency, including: Increasing Income • Opportunity Dubuque • Family Self -Sufficiency including Gaining Opportunities • Fountain of Youth • Dream Center • Small Business Development Program • Project Hope Building Savings • Work with local financial institutions to set up Individual Development Accounts • Promote Bank On Dubuque to increase financial literacy • Promote the Family Self Sufficiency Program and the escrowed savings account Acquiring Assets • Provide direct homeownership assistance to homebuyers Other • Re -Engage Dubuque • Bee Branch Grant Program • True North • Pacific Islander Health Project Consolidated Plan DUBUQUE 161 OMB Control No: 2506-0117 (exp. 06/30/2018) How are the Jurisdiction poverty reducing goals, programs, and policies coordinated with this affordable housing plan Multiple stakeholder interviews, focus groups, discovery sessions, and surveys were coordinated to discuss housing and community development issues in the context of poverty, and poverty in the context of affordable housing, or lack thereof. Many people seeking affordable housing face a wide range of additional obstacles in achieving self-sufficiency (transportation, food access, education) and many people receiving services to address poverty face housing challenges. Efforts included in the Equitable Poverty Prevention Plan will incorporate housing, alongside various wraparound services, to comprehensively address barriers to self-sufficiency. All community feedback that has been collected so far has been incorporated into the Consolidated Plan. As work on the Equitable Poverty Prevention Plan is completed, the City will assess for alignment opportunities and areas of leveraged funding. Consolidated Plan DUBUQUE 162 OMB Control No: 2506-0117 (exp. 06/30/2018) 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 The City of Dubuque entered into a Voluntary Compliance Agreement (VCA) with the Department of Housing and Urban Development (HUD) after a Letter of Findings (LOF) dated June 17, 2013 concluded that a series of policy decisions by the City collectively had a disproportionate negative impact on African American families as compared to white families. The policies at issue included implementing residency preference points, limiting the number of vouchers available to 900, eliminating the very -low income preference allotment, and purging an outdated waiting list. The City actively continues to monitor progress and continue outreach on the assisted housing program and homeownership programming and will adhere to all additional requirements outlined in the VCA in the appendix of this document. The Community Development Advisory Commission reviews the annual performance report. Presentations, updates, and status reports are presented at Commission meetings as requested throughout the program year. Agencies allocated funding from the City of Dubuque submit progress reports toward meeting stated goals and objectives for their program on a quarterly basis. The specific reporting periods were established according to the federal program requirements and the fiscal year of the funding sources. Sub -recipients receiving CDBG funds are monitored annually for contract compliance with all regulations governing their administrative, financial and programmatic operations and to ensure performance objectives within schedule and budget. Timely expenditure of funds is reviewed on a continual basis to ensure compliance with program regulations. The City identified performance measures on progress to increase participating in the HCV program. These metrics are indicative of progress toward the outcomes of providing affordable housing, Affirmatively Furthering Fair Housing, and increasing participation in the HCV program. The voluntary nature of reporting from landlords has made collecting some information reliably and consistently difficult and there is a current effort to review the indicators identify strategies to gather additional or missing data. Voucher Lease up Rate Assisted Units by Census Tract New Affordable Units Created Consolidated Plan DUBUQUE 163 OMB Control No: 2506-0117 (exp. 06/30/2018) Location of Assisted Vacant Units Rent Reasonableness Analysis of essential services across the community Consolidated Plan DUBUQUE 164 OMB Control No: 2506-0117 (exp. 06/30/2018) Expected Resources AP-15 Expected Resources — 91.220(c)(1,2) Introduction The City combines public and private funding to carryout affordable housing activities described in the Plan. The City's Urban Renewal Plan designates Tax Increment Financing (TIF) districts that provide aid related to housing and residential development when a portion of the increment generated is dedicated to housing assistance for low- and moderate -income family housing. Non-profit developers use TIF resources set aside for low- and moderate -income housing to fill financing gaps often associated with the rehabilitation of historic housing. Other development funding can be obtained through application for private and public sources that include local tax incentives and funding, federal and state low-income and historic tax credits, and private sources. The City supports housing developers applying for other sources of funding when their projects align with the City's goals and priorities identified in the Consolidated Plan. Tax abatement and local resources to incentivize new rental unit development allow housing developers to show local support and increase the financial feasibility and competitiveness when Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 165 applying for scarce affordable housing resources. Non -housing community development activities leverage CDBG federal funds to carryout activities identified in the Plan. Anticipated Resources Program Source of Funds Uses of Funds Expected Amount Available Year 1 Expected Amount Available Remainder 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 1,080,989 254,192 1,000,000 2,335,181 5,321,000 Table 55 - Expected Resources — Priority Table Explain how federal funds will leverage those additional resources (private, state and local funds), including a description of how matching requirements will be satisfied Leveraging of private and nonfederal resources by using of federal funds will be attempted whenever possible. Leveraging of resources in conjunction with the use of federal CDBG funds will continue to be a priority to maximize accomplishments. Public services agencies using CDBG provide some level of match. City departments receiving entitlement funds leverage those dollars with other resources. For example, the City's Housing & Community Development Department leverages CDBG funding with federal grants for lead -based paint testing and remediation activities. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 166 If appropriate, describe publically owned land or property located within the jurisdiction that may be used to address the needs identified in the plan None Discussion Please see above. Consolidated Plan DUBUQUE 167 OMB Control No: 2506-0117 (exp. 06/30/2018) Annual Goals and Objectives AP-20 Annual Goals and Objectives Goals Summary Information Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator 1 Assist the Homeless and At- Risk of Homelessness 2021 2025 Homeless Low/Moderate Area Benefit Rapid- Rehousing Increase Self Sufficiency Support Services- Employment and Child Care Support Services- Human Services Support Services- Employment Wages and income Homeless- Shelter Beds Support Services - Mental Health & Substance Abuse Public service activities other than Low/Moderate Income Housing Benefit: 0 Persons Assisted Homeless Person Overnight Shelter: 0 Persons Assisted Overnight/Emergency Shelter/Transitional Housing Beds added: 0 Beds Homelessness Prevention: 0 Persons Assisted Housing for Homeless added: 0 Household Housing Unit Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 168 Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator 2 Assist Special Needs Populations 2021 2025 Affordable Housing Non -Homeless Special Needs City Wide Low/Moderate Area Benefit Increase Self Sufficiency Non -Housing Community Needs Assessible housing for Special Needs Population Public Facility or Infrastructure Activities for Low/Moderate Income Housing Benefit: 0 Households Assisted Public service activities other than Low/Moderate Income Housing Benefit: 0 Persons Assisted 3 Develop New Affordable Housing units 2021 2025 Affordable Housing Homeless Non -Homeless Special Needs City Wide More Affordable Housing Units AFH: Fair Housing Education and Outreach Expand acceptance of HCVs community wide New Affordable Housing Homeownership Opportunities Rental units constructed: 0 Household Housing Unit Homeowner Housing Added: 0 Household Housing Unit 4 Direct Home Ownership Assistance 2021 2025 Affordable Housing City Wide More Affordable Housing Units Homeownership Opportunities CDBG: $50,000 Direct Financial Assistance to Homebuyers: 10 Households Assisted Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 169 Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator 5 AFH: Advance Equity with Fair Housing Activities 2021 2025 Affordable Housing Homeless Non -Homeless Special Needs Non -Housing Community Development City Wide AFH: Fair Housing Education and Outreach Diversified Neighborhoods Public service activities for Low/Moderate Income Housing Benefit: 0 Households Assisted Other: 0 Other 6 Support Neighborhood Development and Improvements 2021 2025 Non -Housing Community Development Low/Moderate Area Benefit Non -Housing Community Needs Improve existing owner -occupied structures Improve physical environments Increasing Social Capital Public Facility or Infrastructure Activities other than Low/Moderate Income Housing Benefit: 0 Persons Assisted Public Facility or Infrastructure Activities for Low/Moderate Income Housing Benefit: 0 Households Assisted 7 Neighborhood Youth Services and Aftercare 2021 2025 Non -Housing Community Development Low/Moderate Area Benefit Increase Self Sufficiency Support Services- Employment and Child Care Support Services - Human Services Diversified Neighborhoods Increasing Social Capital Public service activities other than Low/Moderate Income Housing Benefit: 0 Persons Assisted Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 170 Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator 8 Encourage Self- Sufficiency- Public/Human Services 2021 2025 Non -Housing Community Development City Wide Increase Self Sufficiency Support Services- Employment and Child Care Non -Housing Community Needs Support Services - Human Services Public service activities other than Low/Moderate Income Housing Benefit: 0 Persons Assisted Jobs created/retained: 0 Jobs Businesses assisted: 0 Businesses Assisted 9 Provide Inspection and Code Enforcement 2021 2025 Affordable Housing City Wide Low/Moderate Area Benefit More Affordable Housing Units Eliminate Lead Based Paint and other Hazards Maintain Safety through Code Enforcement Improve existing owner -occupied structures Improve physical environments Public Facility or Infrastructure Activities for Low/Moderate Income Housing Benefit: 0 Households Assisted Consolidated Plan DUBUQUE OMB Control No: 2506-0117 (exp. 06/30/2018) 171 Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator 10 Maintaining Existing Affordable Housing 2021 2025 Affordable Housing Non -Homeless Special Needs Low/Moderate Area Benefit More Affordable Housing Units Eliminate Lead Based Paint and other Hazards Expand acceptance of HCVs community wide Maintain Safety through Code Enforcement Diversified Neighborhoods Homeowner Housing Rehabilitated: 0 Household Housing Unit Goal Descriptions Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) Table 56 — Goals Summary DUBUQUE 172 1 Goal Name Assist the Homeless and At -Risk of Homelessness Goal Description The City partners with area providers in the provision of shelter, CoC services, and permanent housing to homeless and at risk of homelessness, including special needs, individuals, families, veterans, children and elderly. CoC Funds are used to assist chronically, and at -risk homeless individuals move from living on the street to stabilized, permanent housing situations. Planned activities include outreach, case management, emergency shelter, rapid re -housing, and supportive services. The City's competitive Purchase of Services Grants program provides agencies that deliver homeless prevention assistance with opportunities for funding, but the reality is limited public service funds limit the number of organizations and households able to access these services. As part of the planning process for community wide coordination of CoC programs, the City is collaborating with service providers to identify those most at risk of becoming homeless and diverting resources to meet those needs. 2 Goal Name Assist Special Needs Populations Goal Description Special Needs populations continue to have a variety of unmet needs including affordable and accessible housing and neighborhoods. Homeless and at -risk with special needs populations are served in partnership with the CoC. Human services continue to be a high priority in the City. This crosses several programs which provide new, rehabilitated housing units, emergency and rental rehabilitation loans, purchase of services, and neighborhood improvements. 3 Goal Name Develop New Affordable Housing units Goal Description Affordable housing options continue to be limited within the City, and often restricted to certain geographic areas. Based on the housing needs, housing supply, severity of housing problems and community input, the City continues to make affordable and fair housing a goal and a priority. The purpose of this goal is to increase the availability, accessibility, affordability and sustainability of affordable housing units. The City encourages affordable housing across its programs through partnerships, policy, tax incentives and loan programs. 4 Goal Name Direct Home Ownership Assistance Goal Description Affordable housing options continue to be limited within the City, and often restricted to certain geographic areas. The City provides direct assistance with down payments and closing costs to eligible low income residents. Based on the housing needs, housing supply, severity of housing problems and community input, the City continues to make affordable housing a goal and a priority. The activities the City will implement to meet this goal include the First Time Homeowner Program. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 173 5 Goal Name AFH: Advance Equity with Fair Housing Activities Goal Description Outreach and education around Fair Housing rights and reporting targeted to both low -mod income owners and tenants as well as landlords, developers, other partners and the larger community. 6 Goal Name Support Neighborhood Development and Improvements Goal Description The purpose of this goal is to preserve and improve as needed, public facilities that serve a high percentage of low income or special needs residents to address the needs of public infrastructure, facilities, and parks in targeted areas. The City will also use CBDG funds as feasible and available to rehabilitate facilities with urgent needs to address accessibility issues, dilapidated structures, and other safety code or ADA compliance issues. Examples of activities include accessible curb ramps, street overlays, grants for sidewalk repairs or other activities which contribute to maintaining a suitable living environment. The City offers additional neighborhood support grants for low/mod neighborhoods to encourage self - initiated revitalization efforts including physical improvements, clean-ups, communication efforts, or other special projects. 7 Goal Name Neighborhood Youth Services and Aftercare Goal Description An enhanced recreation program is offered in the City's older low and moderate -income neighborhoods to meet the needs of at -risk youth promote self-esteem and build community. Activities include expanded after -school programs, open gym, basketball league, music lessons, playtime for tots, scholarships, swim passes, summer day camp and other recreational programs. 8 Goal Name Encourage Self-Sufficiency-Public/Human Services Goal Description The City Housing and Development Department will partner with local non -profits and others to provide needed services through its purchase of services program. Local non-profit organizations that serve low/income individuals/families apply for grants to assist low/mod residents with their basic emergency needs: Food, Shelter, and Healthcare; a safety -net, or other valuable services to improve self-sufficiency, improved physical environments or quality of life, or other funding that is eligible for CDBG and meets the City Council goals. The city also provides microloans to businesses to support low - mod employees with supportive services. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 174 9 Goal Name Provide Inspection and Code Enforcement Goal Description Preserve existing affordable housing, protect resident safety, and equalize quality of housing in the City of Dubuque through inspection and enforcement staff services to low/mod areas for zoning ordinance infractions and to provide support for neighborhood clean-up efforts. 10 Goal Name Maintaining Existing Affordable Housing Goal Description Affordable housing options continue to be limited within the City, and often restricted to certain geographic areas. Based on the housing needs, housing supply, severity of housing problems and community input, the City continues to make affordable housing a goal and a priority. The city is committed to identifying and improving the existing housing stock in Dubuque and maintaining current affordable and safe housing stock. Activities to meet this goal include acquisition - rehabilitation, lead paint hazard remediation, code enforcement and neighborhood programs. The City provides loans to correct code deficiencies for emergency corrections to rental properties, non -emergency rehab loans, and forgivable loans to disabled tenants to make rental units accessible to the physically disabled. Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 175 Projects AP-35 Projects — 91.220(d) Introduction The following projects are planned to be funded with CDBG for fiscal year 2021 Annual Action Plan. Projects # Project Name 1 FIRST TIME HOMEBUYER PROGRAM 2 HOMEOWNER REHABILITATION 3 HOUSING REHABILITATION SERVICES AND STAFF 4 LEAD HAZARD CONTROL PROGRAM 5 PURCHASE/REHABILITATION/RESALE 6 RENTAL UNIT REHABILITATION 7 NEIGHBORHOOD INFRASTRUCTURE IMPROVEMENTS 8 NEIGHBORHOOD RECREATION PROGRAM 9 NEIGHBORHOOD SUPPORT GRANTS 10 ZONING INSPECTION/ENFORCEMENT 11 FOUR MOUNDS HEART 12 NEIGHBORHOOD DEVELOPMENT SERVICES AND STAFF 13 HOUSING PLANNING/ADMINISTRATIVE SERVICES AND STAFF 14 CDBG ADMINISTRATION SERVICES AND STAFF 15 PURCHASE OF SERVICES Table 57 — Project Information Describe the reasons for allocation priorities and any obstacles to addressing underserved needs Allocations are driven by data and citizen input. The Community Development Advisory Council convenes the process to assess needs set needs and make budget allocations. Funds have been allocated based on the needs identified in this Consolidated plan and in line with the objectives or the Community Development Block Grant Program. The City provides funding for some public service activities through a yearly grant process. When preparing the Consolidated Plan, estimates are used to project the level of funding and the number of persons or households to be served. Due to the varying nature and cost of administering different programs, estimating the cost and number to be served for public service activities can be very challenging. For example, job training activities have different costs, space, and time requirements than programs providing emergency shelter. The City distinguishes between four areas of program Consolidated Plan DUBUQUE 176 OMB Control No: 2506-0117 (exp. 06/30/2018) development: Housing Development, Economic Development, Neighborhood and Community Development, and Planning and Administration. Consolidated Plan DUBUQUE 177 OMB Control No: 2506-0117 (exp. 06/30/2018) AP-38 Project Summary Project Summary Information Consolidated Plan OMB Control No: 2506-0117 (exp. 06/30/2018) DUBUQUE 178 1 Project Name FIRST TIME HOMEBUYER PROGRAM Target Area City Wide Goals Supported Direct Home Ownership Assistance Needs Addressed Homeownership Opportunities Funding CDBG: $50,000 Description Provides loans to assist low and moderate income families purchase their first home. Funds are used to cover the "Entry Costs" of home ownership, including down payment assistance and closing costs. The First-time Homeowner program partners with the Section 8 Home ownership Program to provide education and financial assistance for voucher holders. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities Assist 10 low -moderate income families with the purchase of a new, affordable home. $5,000 of direct assistance each. Location Description City Wide, the addresses are predicated on homeowner choice. Planned Activities First -Time Home Buyer Program 2 Project Name HOMEOWNER REHABILITATION Target Area City Wide Goals Supported Maintaining Existing Affordable Housing Needs Addressed Improve existing owner -occupied structures Funding CDBG: $125,000 Description A range of programs providing to support homeowners, including the Homeowner Rehabilitation Loan Program, Historic Preservation, Home Repair Program, Accessibility, and Neighborhood Housing Slum & Blight. These programs offer low interest loans for the rehab of substandard housing units and repairs to the exterior or interior of the home. Target Date 6/30/2021 Consolidated Plan DUBUQUE 179 OMB Control No: 2506-0117 (exp. 06/30/2018) Estimate the number and type of families that will benefit from the proposed activities Assist 10 low -moderate income families with low interest loans for the rehab of substandard housing units and repairs to the exterior or interior of the home. Location Description City wide, the addresses are predicated on homeowner address. Planned Activities Homeowner Rehabilitation Loan Program. 3 Project Name HOUSING REHABILITATION SERVICES AND STAFF Target Area City Wide Goals Supported Develop New Affordable Housing units Direct Home Ownership Assistance Support Neighborhood Development and Improvements Maintaining Existing Affordable Housing Needs Addressed Homeownership Opportunities Assessible housing for Special Needs Population Improve existing owner -occupied structures Improve Existing Affordable Rental Units Funding CDBG: $284,969 Description Staff support, including program management, technical assistance, loan packaging and inspection for the city's rehabilitation program. This is a service delivery program and outcomes will be reported underfunded activities. This includes a range of programs to support homeowners or Renters including the Homeowner Rehabilitation Loan Program, the Home Loan Program, and the Rental Rehabilitation Program. These programs offer low interest loans for the rehab of substandard housing and funding for repairs. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities Assist 35 low -moderate income families, comprising of single, special - needs population, families, renters and first-time homebuyers. Location Description City Wide Planned Activities Direct financial assistance to first time homebuyers, Homeowner Rehabilitation, and Rental Unit Rehabilitation. Consolidated Plan DUBUQUE 180 OMB Control No: 2506-0117 (exp. 06/30/2018) 4 Project Name LEAD HAZARD CONTROL PROGRAM Target Area City Wide Goals Supported Maintaining Existing Affordable Housing Needs Addressed Eliminate Lead Based Paint and other Hazards Improve existing owner -occupied structures Funding CDBG: $104,166 Description Provides activities in support of efforts to combat lead -based paint hazards in housing, including testing, remediation, and abatement activities with forgivable loans to benefit income eligible households. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities Assist 10 low -moderate income families with testing, remediation, and abatement activities to combat lead -based paint hazards in homeowner and rental housing. Location Description City Wide, the addresses are predicated on age of building and income eligible families. Planned Activities Residential Lead Remediation 5 Project Name PURCHASE/REHABILITATION/RESALE Target Area City Wide Goals Supported Develop New Affordable Housing units Direct Home Ownership Assistance Support Neighborhood Development and Improvements Maintaining Existing Affordable Housing Needs Addressed More Affordable Housing Units New Affordable Housing Homeownership Opportunities Funding CDBG: $45,000 Description City -owned properties are purchase, rehabilitated and sold to low to moderate income home buyers. Target Date 6/30/2021 Consolidated Plan DUBUQUE 181 OMB Control No: 2506-0117 (exp. 06/30/2018) Estimate the number and type of families that will benefit from the proposed activities Assist 1 low -moderate income family with the purchase of rehabilitated home. Location Description City Wide, predicated on availability of homes to be purchased. Planned Activities Purchase/Rehab/Resale to low or moderate income persons. 6 Project Name RENTAL UNIT REHABILITATION Target Area City Wide Goals Supported Maintaining Existing Affordable Housing Needs Addressed Improve Existing Affordable Rental Units Funding CDBG: $50,000 Description A range of programs to assist in the rehabilitation of rental units, including emergency code enforcement loan program to address immediate code deficiencies so as to prevent the displacement of tenants; rental rehab loan program; accessibility rehab loan program to provide tenants forgivable loans for accessibility improvements to increase housing choice, and code enforcement loan program to reduce slum and blight caused by deteriorating rental housing on an area and spot basis. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities Assist in the rehabilitation of 6 rental units serving low -moderate income tenants/families. Location Description City Wide, the addresses are predicated by income of tenants. Planned Activities Rental Unit Rehabilitation, Accessibility Rehabilitation. 7 Project Name NEIGHBORHOOD INFRASTRUCTURE IMPROVEMENTS Target Area Low/Moderate Area Benefit Goals Supported Assist Special Needs Populations Support Neighborhood Development and Improvements Needs Addressed Improve physical environments Consolidated Plan DUBUQUE 182 OMB Control No: 2506-0117 (exp. 06/30/2018) Funding CDBG: $227,499 Description Range of programs to improve the physical environment in low and moderate income neighborhoods, including neighborhood street overlays - a pavement overlay program, neighborhood sidewalk program - a program that pays a portion of the cost to repair public sidewalks for low and moderate income homeowners, Park Improvements, Bus Stop ADA upgrades, and broadband connectivity projects. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities 2000 low to moderate income residents in CDBG eligible areas. This will benefit families, elderly, disabled and single persons. Location Description City Wide, locations are identified by need in CDBG eligible census tracts. Planned Activities Multicultural Family Center Sidewalk Improvement, Bus Stop Improvements, Comisky Park Development, Avon Park Improvements 8 Project Name NEIGHBORHOOD RECREATION PROGRAM Target Area Low/Moderate Area Benefit Goals Supported Assist Special Needs Populations Neighborhood Youth Services and Aftercare Needs Addressed Support Services- Employment and Child Care Funding CDBG: $131,499 Description Enhanced recreation program offered in low and moderate income neighborhoods and/or to low and moderate income youth and families to meet the needs of at -risk youth, promote self-esteem and build community. Activities include after -school programs, open gym, basketball league, scholarship program, and summer day camp. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities Assist approximately 5,730 at -risk, low -moderate individuals with self - esteem and community building programs. Location Description Programs are offered in low -moderate income areas. Consolidated Plan DUBUQUE 183 OMB Control No: 2506-0117 (exp. 06/30/2018) Planned Activities Open gym, Classes by County Extension, Community Basketball, Music Lessons, Summer Day Camp, Playtime for Tots, After School Programs 9 Project Name NEIGHBORHOOD SUPPORT GRANTS Target Area Low/Moderate Area Benefit Goals Supported Support Neighborhood Development and Improvements Needs Addressed Non -Housing Community Needs Improve physical environments Diversified Neighborhoods Funding CDBG: $14,500 Description Grant program provides resources for organized neighborhoods in low - and moderate -income areas to encourage self -initiated revitalization efforts including physical improvements, clean-ups and other special projects Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities Assist approximately 2,000 people in low -moderate income neighborhoods with revitalization efforts. Location Description Neighborhoods are predicated on low -moderate income area eligibility. Planned Activities Neighborhood Support Grants 10 Project Name ZONING INSPECTION/ENFORCEMENT Target Area Low/Moderate Area Benefit Goals Supported Provide Inspection and Code Enforcement Needs Addressed Maintain Safety through Code Enforcement Funding CDBG: $7,710 Description Enhanced inspection/enforcement services in low and moderate income residential areas for zoning ordinance infractions and to support neighborhood clean-up efforts Target Date 6/30/2021 Consolidated Plan DUBUQUE 184 OMB Control No: 2506-0117 (exp. 06/30/2018) Estimate the number and type of families that will benefit from the proposed activities Approximately 45 units housing low -moderate income tenants will be inspected for zoning ordinance infractions, which serves approximately 2,000 neighborhood residents by eliminating slum and blight conditions. Location Description Location of units predicated on low -moderate income area eligibility. Planned Activities Zoning Inspection/Enforcement 11 Project Name FOUR MOUNDS HEART Target Area City Wide Goals Supported Assist Special Needs Populations Support Neighborhood Development and Improvements Encourage Self-Sufficiency-Public/Human Services Maintaining Existing Affordable Housing Needs Addressed More Affordable Housing Units New Affordable Housing Increase Self Sufficiency Funding CDBG: $10,000 Description Providing trade education to youth while partnering to rehabilitate and revitalize low- and moderate -income neighborhoods in Dubuque. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities Provide 12 low -moderate income youth with trade education. Location Description City wide, the addresses of rehabilitated properties are by program choice. Planned Activities Four Mounds HEART Program 12 Project Name NEIGHBORHOOD DEVELOPMENT SERVICES AND STAFF Target Area Low/Moderate Area Benefit Goals Supported Support Neighborhood Development and Improvements Needs Addressed Non -Housing Community Needs Funding CDBG: $63,818 Consolidated Plan DUBUQUE 185 OMB Control No: 2506-0117 (exp. 06/30/2018) Description The Neighborhood Specialist coordinates the City's neighborhood reinvestment programs and works with neighborhood organizations and residents to improve quality of life. This is an administrative activity and outcomes will be reported under other activities. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities Assist 12,000 low -moderate income residents with increasing quality of life in their community. Location Description City wide, low -moderate income neighborhoods. Planned Activities Administration 13 Project Name HOUSING PLANNING/ADMINISTRATIVE SERVICES AND STAFF Target Area City Wide Goals Supported Assist the Homeless and At -Risk of Homelessness Assist Special Needs Populations Develop New Affordable Housing units Direct Home Ownership Assistance AFH: Advance Equity with Fair Housing Activities Support Neighborhood Development and Improvements Encourage Self-Sufficiency-Public/Human Services Maintaining Existing Affordable Housing Needs Addressed AFH: Fair Housing Education and Outreach Funding CDBG: $70,143 Description On -going staff support for general housing planning activities, including the housing needs assessment and department administration. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities Assist residents citywide through the administration of programming. Location Description Citywide, with specific focused on low to moderate income residents. Planned Activities Administration of Programming Consolidated Plan DUBUQUE 186 OMB Control No: 2506-0117 (exp. 06/30/2018) 14 Project Name CDBG ADMINISTRATION SERVICES AND STAFF Target Area City Wide Goals Supported Assist the Homeless and At -Risk of Homelessness Assist Special Needs Populations AFH: Advance Equity with Fair Housing Activities Support Neighborhood Development and Improvements Encourage Self-Sufficiency-Public/Human Services Needs Addressed AFH: Fair Housing Education and Outreach Non -Housing Community Needs Funding CDBG: $108,543 Description Staff support for general management, oversight and coordination of the Community Development Block Grant program; assures compliance with federal regulations and report requirements. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities This administration allows for the monitoring of activities, and federal regulations for the CDBG Entitlement Program. Location Description Citywide, with specific focus of low to moderate income residents. Planned Activities Monitoring of CDBG Entitlement Federal Regulations and eligible program activities. 15 Project Name PURCHASE OF SERVICES Target Area City Wide Low/Moderate Area Benefit Goals Supported Assist the Homeless and At -Risk of Homelessness Assist Special Needs Populations Neighborhood Youth Services and Aftercare Needs Addressed Homeless- Shelter Beds Non -Housing Community Needs Support Services- Human Services Support Services- Employment Wages and income Support Services- Employment and Child Care Support Services- Mental Health & Substance Abuse Increase Self Sufficiency Consolidated Plan DUBUQUE 187 OMB Control No: 2506-0117 (exp. 06/30/2018) Funding CDBG: $37,961 Description Funding to support local non-profit organizations meeting the needs of low and moderate income households or individuals in Dubuque. Target Date 6/30/2021 Estimate the number and type of families that will benefit from the proposed activities This activity is a competitive grant cycle for purchase of services. The number of people served, and activities are based on the priorities established in this plan. Estimated persons served 200-2000 families, elderly, disabled, youth and other vulnerable populations. Location Description City-wide but often in low to moderate income census tracts. Locations will be predicated on grants awarded. Planned Activities Purchase of Services Grant Program Consolidated Plan DUBUQUE 188 OMB Control No: 2506-0117 (exp. 06/30/2018) AP-50 Geographic Distribution — 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 the City focuses some investment such as neighborhood and infrastructure improvements in low - and mod -income neighborhoods, efforts to maintain and expand affordable housing options and other supports are targeted to support low- and mod- income and minority persons across the City rather than in targeted areas. Geographic Distribution Target Area Percentage of Funds City Wide Low/Moderate Area Benefit Table 58 - Geographic Distribution Rationale for the priorities for allocating investments geographically The City is considerate of the location of services and evaluates equitable distribution of resources to serve families in need across the community. The goal of providing services in low- and moderate - income areas is to ensure populations with fewer financial, transportation, recreation, and other resources can enjoy the quality of life associated with these activities. Resources for housing and economic development are intended to arrest decline and bring about positive outcomes and opportunity for residents who have historically been underserved. Whenever possible, programs are delivered in ways to promote housing choice and access areas and neighborhoods close to resources families need and use. At this time, the City does not have designated target areas for block grant funds. Discussion Block groups that have more than 51% low- and moderate -income residents are an area of focus for funding, but funding is not exclusive to those areas based on the cities goals to provide affordable housing options across all census tracts in the City and encourage diversity in neighborhoods across the city and location choices for affordable housing. Consolidated Plan DUBUQUE 189 OMB Control No: 2506-0117 (exp. 06/30/2018) Affordable Housing AP-55 Affordable Housing — 91.220(g) Introduction The City employs a variety of approaches to maintain, create, and improve the availability, accessibility, and affordability of quality housing in the city including enforcement and maintenance activities, Homeless services and shelter support, Housing Choice Vouchers, and Low -Income Housing Tax Credits. Affordable housing options continue to be limited within the City, and often restricted to certain geographic areas. The CDBG down payment assistance sometimes is not enough to reduce the price of the home to be affordable to low and moderate -income buyers. The City is exploring ways to partner with developers to create new, affordable homeownership opportunities outside of areas of high poverty concentration. The City's goals to increase income diversity in neighborhoods has a need for additional funding and programming designed to support these efforts. The production of Housing TIF to serve this purpose was created by the City of Dubuque, and it currently being used to rehabilitate homes that are affordable and sell them to low/mod income residents. This is being done through a partnership with True North, Affordable Housing Network Inc, and Community Housing Initiatives. One Year Goals for the Number of Households to be Supported Homeless 0 Non -Homeless 0 Special -Needs 0 Total 0 Table 59 - One Year Goals for Affordable Housing by Support Requirement One Year Goals for the Number of Households Supported Through Rental Assistance 0 The Production of New Units 0 Rehab of Existing Units 0 Acquisition of Existing Units 0 Total 0 Table 60 - One Year Goals for Affordable Housing by Support Type Discussion Enforcement and maintenance activities- During this time period the City will administer CDBG funded enforcement activities on an area basis. The enforcement activities are designed to identify and correct code violations and improve the safety and quality of affordable housing and include resources like historic preservation grant, homeowner rehabilitation, Lead hazard control programs, purchase rehab sale, and rental unit rehabilitation. Homeless- CoC funds will be used to subsidize supportive rental units for homeless persons living with Consolidated Plan DUBUQUE 190 OMB Control No: 2506-0117 (exp. 06/30/2018) disabilities. There is a continued need for current and new shelter beds. Housing Choice Vouchers- The city provides rental assistance through the Housing Choice Voucher or Section 8 program. LITC- Low Income Tax Credit Projects to develop affordable housing for families, seniors and veterans. This does not use block grant funds but rather incentives are provided through local tax abatement. Consolidated Plan DUBUQUE 191 OMB Control No: 2506-0117 (exp. 06/30/2018) AP-60 Public Housing — 91.220(h) Introduction The City of Dubuque does not have public housing. It does provide Assisted Housing Needs including the Section 8 Housing Choice Vouchers, Mod -Rehab, Project Based and Special Needs Assistance Continuum of Care Program for low-income renters. Actions planned during the next year to address the needs to public housing The Analysis of Impediments identified the applicant pool for housing choice vouchers is composed of a disproportionate number of persons in protected classes under the Fair Housing Act and a limited number of housing providers participating in the program. To increase housing options for voucher participants, the Housing Authority is collecting and analyzing data on housing provider participation in the program through coordination with Rental Licensing & Inspection program. The city is making efforts to collect information on the number of vacant units willing to accept qualified tenants with Housing Choice Vouchers on rental licensing. At this time, reporting on vacancies and willingness to participate in the voucher program is voluntary and participation is at about 40 percent. The City continues to work with a diverse team of City staff, housing advocates, housing providers, and commission members to carryout recommendations and evaluate outcomes produced by a two-year investigation into how source of income, particularly "income" in the form of a rental subsidy, relates to housing choice and availability. The Human Rights, Housing Department, and Police Department continue to evaluate and monitor participation in the voucher program and collaborate to increase awareness and reporting of Civil Rights violations and housing discrimination. The Plan provides for a comprehensive rental rehabilitation program designed to improve the quality of housing while maintaining affordability. The City continues to provide support for the Family Self -Sufficiency Program and other resources designed to assist families to increase resources necessary for self-sufficiency. Multiple departments within the City continue to evaluate and report on progress reducing the impact of policies that lead to a Civil Rights finding of discrimination against African Americans in the delivery of the City's Section 8 program. A combination of policy changes, outreach, marketing, education, and Civil Rights and fair housing trainings have demonstrated the City's dedication to fulfill obligations under the Voluntary Compliance Agreement. Actions to encourage public housing residents to become more involved in management and Consolidated Plan DUBUQUE 192 OMB Control No: 2506-0117 (exp. 06/30/2018) participate in homeownership The Housing and Community Development Department employs multiple strategies to promote homeownership opportunities to voucher participants. The PHA Plan was amended to remove the year- long employment history required to utilize the Authorities Homeownership Voucher Program. Participants that demonstrate enough income and financing can transition to homeownership as soon as financially feasible. The HA coordinates partnerships with Habitat for Humanity, local financial institutions, Family Self -Sufficiency, and provides local, state, and federal direct financial assistance to remove barriers associated with affordability. The City offers a HOME Workshop designed to familiarize participants with the process of searching for, acquiring, and maintaining a home. Community Housing Initiatives, Affordable Housing Network, Inc and True North, Greater Dubuque Development Corporation, are non-profit entities acquiring vacant, abandoned, blighted structures and rehabbing for affordable homeownership opportunities. The City provides local financial resources the developers use to keep the costs associated with acquisition and rehabilitation lower and affordable for low and moderate -income buyers. If the PHA is designated as troubled, describe the manner in which financial assistance will be provided or other assistance PHA is not designated as troubled. Discussion Inter -departmental collaboration and coordination of inspection, enforcement, lead -based paint hazard reduction, rehabilitation, and direct financial assistance have been critical to improving housing options for voucher participants. While there are still a significant number of households experiencing cost burden, most households receiving vouchers are able to utilize those vouchers to keep housing costs affordable. The City continues to provide outreach, education, and resources to housing providers wishing to make units available for voucher participants. Consolidated Plan DUBUQUE 193 OMB Control No: 2506-0117 (exp. 06/30/2018) AP-65 Homeless and Other Special Needs Activities — 91.220(i) Introduction The Housing & Community Development Department works closely with the local Continuum of Care. Community Development and Housing Department staff remain in communication with the local Homeless Advisory Council to remain informed and align priorities and funding to address needs of residents experiencing or at risk of homelessness. The Community Development Department assists CoC applicants providing services in the jurisdiction to ensure programming aligns with the needs identified in the Consolidated Plan, and also to amend the Consolidated Plan, if necessary, based on identified needs. 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 A network of service providers coordinate to provide a range of services for homeless and near homeless populations. The Homeless Advisory Council conducts point -in -time homeless counts in January, as required, but also in summer months to identify persons who may seek shelter during severe winter weather but are usually unsheltered. The City's Police Department coordinates with outreach workers to identify unsheltered individuals and provide access to services. The City Purchase of Services Grants provide funding opportunities for organizations meeting identified human services needs in the community. It is anticipated organizations providing homeless services will continue applying for these resources to meet needs. Addressing the emergency shelter and transitional housing needs of homeless persons The City had 8 organizations providing access to emergency and transitional shelter services during the Winter 2019 point in time homeless count. Some of these organizations serve specific populations, such as pregnant women and victims of domestic violence. The bed capacity for these organizations is 167 and 116 persons were sheltered in January. The city will continue to partner to support the existing shelter beds and work in close collaboration with the homeless advisory council to fill additional needs as identified. There is an identified need for additional shelter beds for men and men with children and no unaccompanied youth shelter. The City will continue to work with its partners to close gaps in services directly to homeless and at -risk of homeless individuals and families. Helping homeless persons (especially chronically homeless individuals and families, families with children, veterans and their families, and unaccompanied youth) make the transition to Consolidated Plan DUBUQUE 194 OMB Control No: 2506-0117 (exp. 06/30/2018) 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 Housing and Community Development Department applies for Continuum of Care funding to provide permanent supportive housing for homeless individuals with substance abuse, mental illness, HIV/AIDS related illness, or other disabilities impacting their ability to maintain housing. The programs housing -first model allows chronically homeless and hard -to -house families an opportunity to transition into housing and then receive support services specifically tailored to meet the family's unique needs. Helping low-income individuals and families avoid becoming homeless, especially extremely low-income individuals and families and those who are: being discharged from publicly 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 The Housing and Community Development Department works closely with the local Continuum of Care to provide permanent supportive housing for homeless individuals with substance abuse, mental illness, HIV/AIDS related illness, or other disabilities impacting their ability to maintain housing. The programs housing -first model allows chronically homeless and hard -to -house families an opportunity to transition into housing and then receive support services specifically tailored to meet the family's unique needs. The City's competitive Purchase of Services Grants provide agencies that deliver homeless prevention assistance with opportunities for funding, but the reality is limited public service funds limit the number of organizations and households able to access these services. As part of the planning process for community wide coordination of CoC programs, the City is collaborating with service providers to identify those most at risk of becoming homeless and diverting resources to meet those needs. The providers meet monthly and collaborate on services, delivery, and referrals regularly. Discussion Housing recommendations and goals developed in the Imagine Dubuque Plan, included: fostering partnerships with private and non-profit housing developers to provide affordable, quality housing units; adopting and implementing a mix of educational/outreach programs to increase housing provider participation in the Housing Choice Voucher program; and identifying and collaborating with new partners in fields such as health and welfare, environmental, education, and the cultural arts. Cost burden continues to be a significant housing problem experienced in Dubuque and one of the main Consolidated Plan DUBUQUE 195 OMB Control No: 2506-0117 (exp. 06/30/2018) reasons households are at risk for homelessness. The City will continue to partner with organizations that provide access to quality, affordable rental housing while connecting people with resources to increase their income and assets. Consolidated Plan DUBUQUE 196 OMB Control No: 2506-0117 (exp. 06/30/2018) AP-75 Barriers to affordable housing — 91.220(j) Introduction: The lack of affordable quality housing for low-income individuals and families is not keeping pace with the demand. Homeownership is disproportionately low among African Americans. Additionally, low income housing is concentrated in specific neighborhoods. One concern is that not all landlords accept HCVs and are of the practice of identifying the source of income to pay rent prior to leasing which adversely effects voucher holders. Some landlords specifically advertise that they do not accept these vouchers (typically called Section 8) as a source of income for rent. The 2020 update to the Analysis of Impediments identified the following barriers to Fair Housing: • Housing Choice Voucher Program not accepted by landlords • Licensing of properties • State Minimum Wage inadequate to meet individuals & families' needs. • Fair Housing ("Rights") Education & Outreach to persons with limited English Language Ability. • Landlords and general public's perception of people in poverty and knowledge of the impact of poverty on individuals and families is low. • Housing Stock is inadequate to meet needs and predicted growth. • Rental Cost Burden is too high. • Evictions may adversely impact protected classes and persons in poverty. • Disproportionate arrests of protected classes may adversely impact the ability to rent. • The Gender Wage Gap adversely impacts women and women -led households and their fair housing choice. • Home ownership for protected class members is lower than national rates and stakeholders report the practice of "redlining" occurring. • Protected class and residents in poverty have difficulty in accessing services. • There is a lack of affordable childcare impacting protected class and persons in poverty and their ability to access employment opportunities. • Fair Housing complaints may be lower than comparably populated Iowa cities. • Felons who have re-entered the community have to "check the box". 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 The proposed actions to address barriers in the Plan year are described below: • Increase affordable housing supply by funding acquisition, rehabilitation, and supporting the Consolidated Plan DUBUQUE 197 OMB Control No: 2506-0117 (exp. 06/30/2018) construction of affordable rental and homeowner housing • Assist low- and moderate income households to achieve homeownership through a combination of education, outreach, and down payment and closing cost assistance • Expand housing repair and rehabilitation activities to include rental housing to lower the cost of rehabilitation and improve the quality and quantity of affordable housing stock • Continue to partner with lending institutions to provide housing for underserved populations • Invest in building code enforcement and lead remediation activities in deteriorated housing stock • Reduce lead -based paint hazards and coordinate with the PHA to provide lead -safe housing options for voucher participants • Increase coordination between code enforcement and housing rehabilitation services to quickly correct code violations • Continue to coordinate interdepartmental code enforcement meetings aimed at identifying and addressing substandard housing conditions • Improve monitoring and compliance with federal regulations and identify and correct inconsistencies • Monitor and refer fair housing complaints to the Human Rights Department • Provide information and education on how to affirmatively market housing to reach underserved populations including but not limited to Housing Choice Voucher Recipients, Fountain of Youth Program participants, and students. • Provide education about the barriers to fair housing, impediments impacting affordable housing, and deliver to stakeholders, city staff, and community groups • Continue to distribute marketing materials describing the City's expectations for safety and equity in neighborhoods and housing Discussion: Source of income is identified an arbitrary factor unrelated to a person's ability to be a good tenant and recommended the Human Rights commission consider include source of income as a protected class. The Housing & Community Development, Human Rights, and Planning Services Departments have partnered with local stakeholders to better understand how source of income impacts tenants, particularly Housing Choice Voucher holders. The Al identified a limited number of housing providers participating in the voucher program. To address this, the, "Source of Income" committee was formed. The Committee was made up of key city staff, board and commission members, housing providers, and housing advocacy groups. The group analyzed data, information, and organized a series of community dialogues to gain insight into the issues surrounding the impact of such an ordinance and other options to increase housing choice for voucher holders. The City's Housing & Community Development department is currently leading a rebranding of the Housing Choice Voucher Program. The department will utilize City commissions and other advisory groups that play an important role in the governance of department programs. Members of the commissions and advisory groups are community volunteers whose contributions help maintain and Consolidated Plan DUBUQUE 198 OMB Control No: 2506-0117 (exp. 06/30/2018) improve the quality of life for Dubuque residents Consolidated Plan DUBUQUE 199 OMB Control No: 2506-0117 (exp. 06/30/2018) AP-85 Other Actions — 91.220(k) Introduction: The data -driven approach to analyzing equity in services is allowing staff and residents to better understand the needs of underserved populations in the community. Evaluating access to services is no longer sufficient to determine success. The focus has shifted to examine output and outcomes on impacted populations. Actions planned to address obstacles to meeting underserved needs The City will continue to support infrastructure, neighborhood, housing, and economic development efforts and ensure those benefiting from the resources are populations with an identified need. The City received funding from the National Disaster Resiliency Grant and is collecting data to help understand the social resiliency of households residing in the flood -impacted areas of the City. The area targeted for resiliency contains a considerable number of older homes that have sustained repeated damage from flood events. The area has higher populations of low- and moderate income and rental housing. Evaluating the social and economic data collected from resiliency participants will allow the city to research ways activities can be most effective. The City continues to seek out and apply for competitive grant opportunities to enhance quality of life for residents. Requests for proposals for public services, public facilities, and multifamily developments may be evaluated for projects that leverage other funding sources with entitlement funds to have greater impact for underserved populations. The City's Planning & Zoning, Economic Development, and Housing Departments coordinate to receive and process requests for development of affordable housing. The Housing & Community Development Department works closely with the City's Legal and Human Rights Departments to inform City staff, housing providers, developers, and the community at large about the barriers to fair housing and the strategic steps the City is taking to eliminate barriers as identified in the Analysis of Impediments. To encourage public support for affordable housing development, the City partners with organizations wishing to develop affordable housing to engage neighborhood residents about the proposed projects. Through a series of informational meetings, housing developers and residents can discuss the community needs, obtain facts about the need for affordable housing, and identify target populations and needs unique to the proposed location within the Dubuque community. These meetings have proven successful for developers proposing Low Income Housing Tax Credit projects. To help with the financial feasibility of these projects, the City offers developers the opportunity to request support from the City for the project. If the project aligns with the City's goals, Consolidated Plan, and Comprehensive Plan, the City facilitates a public engagement process where incentives for the project are presented to City Council. Projects seeking support must apply to the City for a review and Consolidated Plan DUBUQUE 200 OMB Control No: 2506-0117 (exp. 06/30/2018) the City Council makes final recommendations. Actions planned to foster and maintain affordable housing The City uses a number of strategies to maintain affordable housing. Conservation districts, local tax abatement options, and low -interest and forgivable loans increase the availability of resources to improve housing while maintaining affordability. In the period covered by this Plan, the City will refine procedures to identify and support multi -family housing projects that meet the goals outlined in this and other adopted City plans. The City utilizes tax rebates, abatements, land donations, and direct financial assistance to provide resources developers need to produce financially feasible projects. Effective relationships with developers of affordable housing, potential buyers of at -risk housing, advocacy groups, lenders, community groups, and education about how to maintain existing affordable housing helps ensure the number of affordable units is maintained. Actions planned to reduce lead -based paint hazards The City received $3.58 million in Lead Hazard Control funds to remediate lead hazards in 120 housing units over the next 3.5 years. The grant provides opportunity for outreach, education about lead safety hazards, remediation, and training. The program secured funding to train and certify lead contractors. The City's Water, Engineering, Public Works, and Housing Department will coordinate to notify residents when street projects will take place and encourage income eligible households to apply for forgivable grants to replace identified lead service lines at that time that are funded through general funds of the City. The City applied for the Lead Hazard Control Grant and in April 2019 was awarded $581,000 in Healthy Home funds and $2,999,968 in lead hazard control funds for a total of $3,580,968. The program has a local match of $648,454 and proposes to do 120 units in the 3.5-year grant period. The Lead and Healthy Homes Program effectively delivers successful lead remediation activities for income eligible households. The grant provides additional funds to address health and safety hazards in the home, and coordinates with a Home Advocate to build social capacity for participating families. All CDBG funded activities use the required level of lead assessment when performing rehab on homes. Homeowners and renters are provided information and resources about lead and lead poisoning, as well as information on where and when children should be tested. Code enforcement activities identify visible hazards from peeling paint and housing code to ensure the health and wellbeing of children living in these units. CDBG funding provided financial assistance for six units assisted by the Lead & Healthy Consolidated Plan DUBUQUE 201 OMB Control No: 2506-0117 (exp. 06/30/2018) Homes program during the program year. Actions planned to reduce the number of poverty -level families The City of Dubuque funds, supports, and participates in a variety of projects that support the Consolidated Plan goals to increase economic opportunities through business retention, expansion, job creation, and financial resources for low- and moderate -income small business owners. The City continues to participate in Project HOPE (Helping Our People Excel) to coordinate service providers, employers, and job seekers to fill the employment needs of the community. The City of Dubuque has a low unemployment rate and many of the local manufactures have a demand for skilled workers. Project HOPE coordinates with Dubuque Works, Opportunity Dubuque, and the local community college, NICC, to identify under -skilled workers, train them, and match them with employment opportunities. The City of Dubuque, led by the Planning Committee, is currently involved in a city-wide initiative to engage the community in the development of an Equitable Poverty Prevention Plan. This work will be completed by October 2020 and will identify and implement best practices in poverty prevention, with an eye to various communities in Dubuque, including Marshallese populations, Black and Hispanic residents and other people of color, formerly incarcerated people and people with records, homeless individuals, seniors, immigrants, persons with disabilities, and all individuals and families living in poverty. A core goal of the Equitable Poverty Prevention Plan is self-sufficiency for all individuals and families in Dubuque. The city partners with a number of providers and leads several initiatives to support residents Consolidated Plan DUBUQUE 202 OMB Control No: 2506-0117 (exp. 06/30/2018) in achieving self-sufficiency, including: Increasing Income • Opportunity Dubuque • Family Self -Sufficiency including Gaining Opportunities • Fountain of Youth • Dream Center • Small Business Development Program • Project Hope Building Savings • Work with local financial institutions to set up Individual Development Accounts • Promote Bank On Dubuque to increase financial literacy • Promote the Family Self Sufficiency Program and the escrowed savings account Acquiring Assets • Provide direct homeownership assistance to homebuyers Other • Purchase of Service Grants Actions planned to develop institutional structure High performance government is recognized as essential to coordinating effective community development activities. The program areas of administration, housing, economic, and neighborhood development are designed to ensure all functions perform in a complementary manner to efficiently and effectively use public and private resources to accomplish goals. The data -driven approach to decision making allows evaluations based on outcomes designed to identify: 1. What did we do? And 2. Who is better off because of our work. The City will continue to cultivate partnerships with the goal of creating opportunity for residents to access wealth building resources. Within the institution, steps are being taken to encourage and promote high -performing, fiscally responsible government. This outcome -driven process is focused on data analysis, community engagement, and strategic initiatives designed to support and retain Dubuque's population. Employers Consolidated Plan DUBUQUE 203 OMB Control No: 2506-0117 (exp. 06/30/2018) in Dubuque are looking for a skilled workforce, and the Housing & Community Development Department has strategically partnered with the private sector to connect unemployed and underemployed populations to training and skills necessary to meet local employer's needs. Multiple departments continue compiling a data library and develop uniform data collection and tracking systems across departments to more effectively address neighborhood, housing, and economic development concerns identified by citizens and staff. The work being completed by these departments focuses on equity and identifying how the institution can provide more equitable services. To address housing discrimination, the City took steps to increase staff understanding of fair housing, discrimination, and the history of racism in the community. Fair housing training was completed in October 2019, in accordance with the VCA. Staff from multiple City Departments, including Police Department Staff, attended the training Fair housing training was also provided to specific departments and organizations serving the public with housing needs. New employees, board and commission members receive fair housing training and education within 30 days of beginning service. Actions planned to enhance coordination between public and private housing and social service agencies The City has a strong region -wide network of housing and community development partners at the local, county, state and federal level. The City coordinates regular meetings with neighborhood groups, housing providers, and advocacy groups working to promote quality, affordable housing. The Community Development Advisory Commission, Resilient Community Advisory Commission, and Housing Commission members work to enhance coordination and create strategies for citizen involvement in the planning process. The City requires housing developers seeking City support to hold neighborhood meetings for residents, service providers, businesses, and other impacted populations to learn about the project. This approach allows residents time to learn about the project and has resulted in stronger community support for affordable housing projects. The City has developed strategies to ensure housing developers relate to the community in which they plan to provide housing, as well as local service providers. Programs seeking City support must demonstrate active public engagement in the planning of the project and demonstrate what support services will be available to residents. Locations of projects are carefully considered to ensure residents will have access to areas of opportunity relevant to the target population being served. The City actively seeks out federal, state, local, and private sector partners that can meet the range of housing needs across the community. The City launched the C.H.A.N.G.E. initiative (Comprehensive Housing Activities for Neighborhood Growth and Enrichment) to identify and rehabilitate downtown housing units. The program will acquire, rehabilitate, and sell previously dilapidated properties to income eligible households, coordinate local, state, and federal resources to have the greatest impact for occupied properties, and support neighborhood and community development to ensure rich partnerships, programs, and economic and Consolidated Plan DUBUQUE 204 OMB Control No: 2506-0117 (exp. 06/30/2018) social resiliency. Through a partnership with Community Housing Initiatives, and True North, multiple single-family homes are being rehabilitated into affordable homeownership opportunities. Discussion: The City of Dubuque works to be responsive to the need in the community and continually improves strategies to encourage and support the development of affordable housing. These efforts, in conjunction with opportunities for recreation, art, education, health living environments, and safe, desirable neighborhoods combine to further the City's community development goals. Consolidated Plan DUBUQUE 205 OMB Control No: 2506-0117 (exp. 06/30/2018) Program Specific Requirements AP-90 Program Specific Requirements — 91.220(I)(1,2,4) Introduction: Community Development Block Grant Program (CDBG) Reference 24 CFR 91.220(I)(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 0 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: 0 Other CDBG Requirements 1. The amount of urgent need activities <TYPE=[text] REPORT_GUID=[A698417B4C924AE0218B42865313DACF] DELETE_TABLE_IF_EMPTY=[YES]> 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. Consolidated Plan 0 0.00% DUBUQUE 206 OMB Control No: 2506-0117 (exp. 06/30/2018) Consolidated Plan DUBUQUE 207 OMB Control No: 2506-0117 (exp. 06/30/2018) Attachments Consolidated Plan DUBUQUE 208 OMB Control No: 2506-0117 (exp. 06/30/2018) Citizen Participation Comments TH MELIA ? 0 BOX P,HuQuE IA .200,-01:2q (833)553-001 CRDI12 CaY7:RE2TION (-20YTIKUED) 0:aleszerm: KPLT1Y COPRLAY73 ?rirtea at 10/23/LLD 1.y kcope-ww 4: 1959 7L nta17,47: U8W waoLD dLuLio* 1:1411.1.1 Elan .d• I.. ci LI1211_1; 0511111a71t; ▪ nrm.t • p..b •:Es nj En hrria E:#{. pm, n el• I: IA ii II1.17e77.": I JA tha sld 47▪ 7 1-In.: 1.7 r {1.}1 RI ILI ...HI ELIFA 2:2. r. IN,. In 71. I le a 711. Veal! la.}111 Up: 7: lig FY Z021-332 ▪ L.I LAT Elv PLAN DOR iniuinc, AND COI.T.1111.11T? DEVELOPF.ENT 11.1Kh i. raipi .• Erforkrnc.it ▪ 11.1..- me-t ci.r) ::r• • -IA dTrrr..rit. 111.2-k .•.4 Lin tar Ilarlrai 111 1.11aL I. II ▪ I:, 1 ia•:1 07-1-1 n •:t•ciw. •i•n impgniksirrs TV H4415441 Th. }II:1511a 22 Ilr Le Fl Is rt- ki.1‘71:1 L. H11) b 5..1 7. -hat c..ty :rrners _a- t 17Ieng r he.:L.51 • th40 -.t94.7.r. 1E: &gni iiming wor. - irill l,AII.Iinl re 21'4 81A.. 11.• 7 4111 or n 1,14 ir laha - Ips Anntrrntit, 1•0 -IT 'du ng iHl hi 1.riF 1:15{.5 7 1 n..:I.Voes A f Alla 111•11 wig:nand -.11n IM ▪ IFra I •:: 11r1141, al: O.:.b rik 'IN a .117:a. hal IL% Al. X:tr.11:117 dial Ina rwm.aet- c IA •n, :.'Grrruol •••▪ •nn:-r_• rm.. L.: 7 FM 71 -.tit gutill • I: 1:11.2 .111.1 7,11.11 r c•rannITIL Eu -;:r• calrixtr1.!. I Consolidated Plan DUBUQUE 209 OMB Control No: 2506-0117 (exp. 06/30/2018) City of Dubuque Official Notica Notice Is :hat tho City of DLbuq.Jo's Community DvvclepmantAdvisory Con1:misskkri oil hcic publ°o Wednesday, haverrber 2[], 2019. at 5:3' p.m.. VI th& I -I us ng and Community Development, Ann M G:)nfo..r.nce Room, 3". floar of the Historic Federal Build ng. 350 West 68' Street, Saito 312, D,Jr:u ;Ue, Iowa tic ob ain comments from cl:lLens relative :o :he Viowin• . FY 2421••2025 CONSOLIDATED PLAN FOR HOUSING AND COMI1IIN]7Y DEVELOPMENT T no Gonso"icate;: Plan is required.by r'e U.S. Department of Hou ing anc U'ba- D. voIopment (HUD) for communities receivi:..rl Community Deve op, lan: Block Grant rCDBG) and certain nth:- 'rderaI gran,~. It is a Fvr-Year Ran That es:ablis ns a -.rifled vision for ha-4irg and community d• volopmont a �tia s u.s,na these funds. ANALYSIS OF IMPED/MENTS TO FAIR HOUSING The. A:..alysl8 c- Irr.ped merits to Fair Hous np,) ,I) Is required by HUIt) to ensure that Clty partners are af`Irrnat.v6y furthering ha I. housl'g aric tha'- aeoplE, are not con°ec housing op. .i.unities because of their. -ace, color, national origiA re;i ian, sox, disability, or fan -dial s#at.is, The Al iden:i-ties imped meats to fair hcushn•o aid propoEos n plan to cl:rnirate t eee impediments A copy of the ..ro;:or,ed Co -sal d7tod Pia-. and Analy is a- Imp:xdiments _o Fair Hous'nti are on 'le at the Housing Did Community Dcvolopmo`st Department and ::at; b revie.ned t the Ct} of D buqua u^der Hou3 ng ard Corrirrrjnity Deve'op•nent. Comments .nay be suharnitted on a— before the tine o= the p'.ib'ic hearing ':, the Hou3:ncg and Community Develcprnert Department, 350 'eldest fah' ;roc# Sui,o :312, Dubague, Iowa 5200' (563-690-C102 orclester cityofdabti.quo,org. Consolidated Plan DUBUQUE OMB Control No: 2506-0117 (exp. 06/30/2018) Dubuque Insights On Poverty Survey naa 0,61! d SurveyMonk2y 328 ToLal Responses Date Created: Thursday, October 10, 2019 Complete Responses: 328 F1r71.11•I lir SurveyMon key Consolidated Plan DUBUQUE 211 OMB Control No: 2506-0117 (exp. 06/30/2018) Q1: When it comes to poverty in Dubuque, would you say it's: Answered; 32fi Skipped- 2 04: 104E 241 O% 4076 50% 0096 70% ®OH. 90'16 10446 n very Large Problem • A Prnhlern meure i Sum4w115l de F4uLlon • Nuli PrUZ.ie ) F}rr^i Cri 11iSuryCyMOrtkCy Q1: When it comes to poverty in Dubuque, would you say it's: Answered: 32b Skipped- 2 ANSWER CHOICES A Very Large Problem A Problem Unsure sarnewno err a Problem No a Problem. TOTAL F 6Su nreyMOn kCy Consolidated Plan gEsf.msgs 2M1 % 76 49.00% 150 0.75% 22 17 46% 57 3.37% 1: 329 DUBUQUE 212 OMB Control No: 2506-0117 (exp. 06/30/2018) Q2: To what degree does eai~h of the following lead to poverty? Answered; 329 Skipped: 0 Lae% or Egucaeran fr:4r F1cn1rh Frnr Mental Heellh Ldtk 81J�h TrdlhIrlg Lsck uT TrADDRarinuan !con i:ngflsh speaking BudeLance e aL.rfAddlc11 F}rr.^i r•rI 11y ela % 10% 91% 39% 49% 6014 50% 7096 BD% 4O' Q2: To To what degree does eai~h of the following lead to poverty? Answered: 329 Skipped: 0 VERY HIGH UNSURE MODERATE MINIMUM TOTAL HIGH DEGREE DEGREE DEGREE DEGREE LSrA OT 2E1.31 °(. 39 71 1, 5.5194 24 15% •3 ark Educator 66 t30 15 75 11 327 POOr11E311h 19.94% 49.T8% T.57% 27.5.1% 4.59% 55 131 25 50 15 326 Poor Mania! 39.34% 38.04% 3.86% 15.87% 3.87% Hee111i 125 124 12 35 14 325 Lack 5TJai) 24.73% 45.04% 7.53% 19.21% 510.% Training 68 T51 26 63 20 326 Lack at 22.122% 36.76% 9 17), 23.55% 15.589E Tranrgx+rtalron 72 t20 30 77 28 327 Non Englrsn 1 T_55%k 27.16% 21.6o% 20.94% 12.35% Spe1}klr,g RB SB 74 55 A4 324 Su4raanoe 40.37% 3426% 10.05% 12.23% ZA5% Ab1154 Afld1[:Ian 132 114 33 49 8 327 411a SurveyMOrikCy Consolidated Plan DUBUQUE 213 OMB Control No: 2506-0117 (exp. 06/30/2018) Q3: To what degree do each of the following lead to poverty' Answered: 27 Skipped-1 Wader rmrrj or gentler pie; Unerfaxdehle or lack DL.. Luv, herViLd, (. . Lack a! Jc4rt abuse PS4101 E! L. 41'6'4 Aima 044 104i 20,1s, 30% 41Crii 30Y. fiO r. 713% 605E. SO% 1CC4+. Q3: To what degree do each of the following lead to poverty' Answered- 27 Skipped-1 VERY HIGH UNSURE MDDE RATE MINILIUM TOTAL WEIGHTS❑ HIGIi DEGREE DEGREE DEGREE AVERAGE DEGREE RaCIRI 13 655 26 23% 14 77% 22 15% 24.04% ardor 45 95 d8 72 65 325 365 gentler bias Una lfordablu 26.61% 40.67% 5.28% 17.43% 7.03% or lack a! 87 133 27 37 23 827 2.36 CNIIa MID Low wages 41.41% 2OE43% a.2I% 17.79% 7.06% 135 96 14 'J4 23 326 2.20 Lack of 22.n% 26.55% 1166% 23.01% 14.424 services to 73 93 38 75 47 326 2.74 raise peacis Quid" po1'ern Lack or lobs 6 63% 20 19% 14137% 25 169E 5 Y.113% 31 85 35 61 110 322 3.54 Subslenoe 33.44% 37.73% 10.74°d, 11_729E 3.37% r e65 aLx1YA 109 123 33 43 11 326 2,17 andror Consolidated Plan DUBUQUE 214 OMB Control No: 2506-0117 (exp. 06/30/2018) Q4: Do you think there's a connection between poverty and race? (Move the slider) Answered:213 Skipped:15 D 10 2O 90 40 90 50 70 80 00 100 PPomred I]i 461, Su ryCy MOn k0r Q4: Do you think there's a connection between poverty and race? (Move the slider) Answered:213 Skipped:15 AN 541ER CHOICES AVERAGE NUMBER TOTAL NUMBER 1 f (L14. RESPONSES TONIIR00puriC$idS 313 PPomred I]i 461, Su ryCy MOn k0r Consolidated Plan DUBUQUE 215 OMB Control No: 2506-0117 (exp. 06/30/2018) Q5: Choose the top three strategies that you think reduce poverty the most. (Only check three) Answered:327 Skipped: L PdVrered byd Su rve-yH n key Mom§ O 100 ?00 300 480 KO WO 400 800 900 ,638 • Increase the minimum: wage Irnproae race felatbns ! Increase cash assistance fa f armilas • Ezpand subsidized day cai a ▪ Better access LcheaLth case {physical & mental) 1.1 Make rood stamps mere arailahle El Guarantee everyone a basic income • Mora aflfiiilallia k.Jning Incr ate tar, criditb for low-ingon7e Worker& ▪ flatter pubic transportation • More workforce training programs ▪ other (please specify} Q5: Choose the top three strategies that you think reduce poverty the most. (Only check three) Answered:327 Skipped: L ANSWER CHOICES 'Increase the minimum wage Improve race relations Increase cash assletance ror Families Expand sunsldlzeo day care Elelleraccess. Co ?leant Core (ph s;cal $ menia.1) Make Toad stamps more awaliablu Grerarilee everyone a basic intone Mona affordable nousing increase tax credits for low-income workers Better public lrensponiation More: workidr€e training programs Parvered by 4465. other iP spIhrl Consolidated Plan IiESPOMSES i6.51% 126 14.07% 46 3.3E'.5 11 44 90% 147 46.37% 132 6.12% 20 14_37% d7 41--rasa 143 14.3795 47 21.71% 71 319.134% 127 115.913% 62 DUBUQUE 216 OMB Control No: 2506-0117 (exp. 06/30/2018) Q6: Please share your gender? Answered; 299 Skipped- 29 4% 1a% 20% 90% 40h' 50% 644i 74 BM 90% 10 • Female • MAI • Other 1pLaa02 s;}uCiiyj F lrr^i nri Iti 6Su nreymon key Q6; Please share your gender? answered- 29B Skipped- 29 ANSWER CHOICES RESPONSES Female Male Other (please specify} TQTAL F 6Su ryeyMertkey Consolidated Plan D3.2U','6 1if 39.46% 1113 1.34°i 4 209 DUBUQUE 217 OMB Control No: 2506-0117 (exp. 06/30/2018) Q7; Please share your age: Answered; 207 Skipped:21 'u� yee.sgip,E ,yeaArI• ENE, 70-0111;I ythrS F}rr^i Cri 11iSuryCyMOrtkCy Q7; Please share your age: Answered: 207 Skipped:21 ANSV ER CHOICES 1&9d years S - d5 years ATr 55 years 56-fig year9 70 plus years TiTAL F 6Su rveyMOrtkCy Consolidated Plan RESPONSES {o kB�R9% 110% 1a4R6 2o.2u. 62 2a-10% 74 21.50% 66 22 15% 4$ 12.05% S7 307 DUBUQUE 218 OMB Control No: 2506-0117 (exp. 06/30/2018) Q8: Which best describes your race/ethnicity: Answered; 317 Skipped-11 OM, 1044 = - ! 40% Sax Kea 70R4. B6H. 9 ICUs:. • Mike N. Black yr African American or Latino- . nsien or ;,siren Arne^can • American radian ar 1fl54A Nocive • Peidc Mandy' • MIRO • r lllal f l sptRfy) PSYlM C[I I1f' 6Su ryCyMOrtkCy Q8: Which best describes your race/ethnicity: Answered; 317 Skipped-11 ANSWER CHOICES Whita Elba or African American Hispanic or Latino A313211 or Asian American American. I ono r1 or Alaska Native Padrlc kslandel Mixed (other Woo -ea specify) TOTAL F 6Su rveyMOrtkCy Consolidated Plan NESPONSES O 1.1 r% 2@Y 0.63% 2 O .00`.b 0 O .0050- 0 1.58% 5 2.8.4% 4 317 DUBUQUE 219 OMB Control No: 2506-0117 (exp. 06/30/2018) Citizen Comments Public Survey verbatim comments on "Other" 1. Basic Life Skills. fIna rrcial management 2. Allow people to work and receive assistance. Often it is a choice of one or the other. 3. Remove welfare and housing benefits for those that abuse the system and choose not to contribute to society by working for a living. 4, If you have to work 3 jobs to get by them do it and don't exile-ct other people to pay your way through life. S. None of the above reduces poverty_ it Is a ml ndset that needs to change and take responsibility to improve your life and the life of your family. 5- Personal Responsi bi Iity 7_ Training with money management and strategies to get off of welfare/food stamps 8. Get and keep a job. 9, Increase all wages across the board, Iowa and Dubuque have depressed wages that are not competitive with other states. 10. Develop perseverance in young adults 10/16/2019 8:33 PM 11 Some people have to want to get out of poverty rather than being content to rely on assistance. 12. Send them back to Chicago 13_ Reduce grid 14. Keep your pants an, both male and Female. 15. Teach people to live within their means. 1E_ All of the above_ 17. Make the billionaires redistribute their wealth. 18, Make a job (they are out there), a requirement after so Tong on welfare. Still get assistance but they need to put In sweat equity like the rest of us_ 19. Accept personal responsibility and not rely on assistance 10;016/2019 1:413 PM 20_ Remove public housing and food 5kamp5 and poverty in Dubuque goes down. This will 21. Encourage people to get jobs. Employers all over Dubuque are already looking for workers. 22, Also entourage other companies to come to Dubuque with tax breaks to create more/better paying jobs. 23. Have more checks and balances on the government programs that subsidize assistance to recipients_ Drug testing, wellness checks, etc_ Opportunities are available 24_ Teach parents to teach their kids how to achieve a mIddle.class lifestyle. 25, tack of personal accountability. 26, More mentOringfjrb ShatloWine S4 when get a job keep It. 27. Educate on how to work your way up from a low paying job to a higher paying one, What may a career path Zook like? increased income means increased work and increased responsibility_ 28. Totally de-commodify health care (or at (east health insurance). Create safe, beautiful, Consolidated Plan DUBUQUE 220 OMB Control No: 2506-0117 (exp. 06/30/2018) enviable public housing, which will decrease the demand for far -profit housing. 29_ Public transportation needs to go where the jobs are_ Like Peosta and the big factories that are hiring. 30, Cut welfare, 5tOp Making it easy,!! 31_ Until parents/guardians step up and Instill work ethic In their children, poverty will persist. 32_ Access to education 33_ Education on money management, cycle of poverty. 34, (letter balance between assistance and work income {cliff effect) to allow people to move out of poverty and away from assistance_ 35. Education 36. Take drug tests to get anything free 37_ Get 2 Job___or two. Make ends meet and become a contributing member of society instead of a drain on it. 38, Many employers cannot find employees, lack of motivation is a large problem. 39_ Eliminate entitlements and get to work_ 40. Comprehensive Immigration Reform. 41, Train workplaces to be trauma informed. 42. I -laving the city council adopt the source of Income; and ban the BIN. Which Is clearly a way to help reduce the systemic racism. 43- Cut assistance if they cannot pass a drug test 44_ Change the mentality of those already in poverty. 45. Some can't afford upkeep on home. 46, Promote trades education. 47. Reduce the incentive to he nonproductive slugs. 48. hi one of those would fix it. 49- Build a program that enables Poverty-stricken people to learn hew to better themselves, and move forward in life. Giving people more things doesn't do them any good, or the rest of society. SO. Crack dawn on the drug problem that is engulfing the US. It is the worst problem we as a nation faceI 51, There are three factors will keep you from poverty: 1) Graduate High school 2) get a jab, any Job and 3} don't have kids until you're married_ 52. Give more to the working poor and Tess to those who do not want to work. Affordable J-lausingiCeTr Burden/ti.rn4 Wage d There's a gap between wages and housing costs; a living wage is needed, D We need safe and affordable housing [safe meaning pest -free, lead-free, etc.} D Middle-class people who look better on paper are mowing their way int affordable housing thief low•income people need, leaving us with even fewer options. 0 Mast of the less expensive housing Is downtown, concentrating poverty and fueling a cu Itu re of generational poverty_ Consolidated Plan DUBUQUE 221 OMB Control No: 2506-0117 (exp. 06/30/2018) d The Housing Authority switched from waitlist prioritisation to lottery {not needs -based}. Why? n There are years -long waiting lists for housing_ ri Quality housing is very hard to come by. n Landlords do not maintain properties well and it is difficult for tenants to know how to $o after them through the fight channels/to afford to. !mom ts 0 Only a few landlords currently accept residents on public assistance_ The two landlords in town that do accept it are the biggest slumlords in town" and if they are kicked out of the system, no one will accept it. O Moving between rentals is Yeryexpensive. It's hard to tome up with money required for deposit and first month: old landlord may keep Iast deposit. ▪ A lack of stability and good conditions In housing negatively contributes to students' mental health and ability to learn, O Properties are being left in 9urh poor condition that it causes hopelessness. 0 Financial institution was not willing to loan us money to get a small house, so we have to keep paying money for rent [which often increases}; we have no house to pass dawn to our children. 0 The farnilies of the most at -risk learners are not connected to a mortgage and many students' families move around to several apartments. This means they may often hop between schools, imparting their learning. Protected Classes/Other Vuhrerabie Pgaufatlorrs O There's a huge need for affordable disability housing because so many people In the Marshallese community have health problems — very high rates of diabetes, high rates of cancer, others (result of U,S. lashing nuclear bombs on the Islands, causing illnesses from radiation and devastating the food supply, replacing with highly processed food)_ O Undocumented people are afraid to speak up about bad landlords because their options for housing are limited and they worry landlords will take advantage of their status- U Affording housing is a big issue fwseniors, tOO [rent around $1,OOO a month'', Elderly can't afford to move Into assisted living or pay for nursing home care. There have been increases in elderly people —especially elderly warners —at shelters. d Lots of income -based housing is specialized for seniors, people with disabilities, etc. It's hard to find affordable housing If outside of these categories. O The Marshall Islander population "doubles up" with family members. 99 O There were recently some changes allowing Marshallese to qualify for some housing assistance, the only type of government assistance that they are allowed to receive (no citizenship, no healthcare, no chiidmre, can'tvate_li 1QwJOrd nences U Dubuque has a "nuisance ordinance and a landlord can get tined if the cops hawe been called to an apartment a certain number of times; there is a stenotype that Section 8 residents are the o nes for/on whom the police are called, Consolidated Plan DUBUQUE 222 OMB Control No: 2506-0117 (exp. 06/30/2018) 0 Mabile Homes' lot rent prices have increased significantly across the state (48% in two years) with residents having only three do s to pay before receiving an eviction notice. Rents raised from $411:10 to $9 JD with utilities no longer included_ I've heard a s±tie legislatar is looking into this. Corporations come in with "rent to own" deals and people get loartsr but not mortgages- If you are evicted and have to abandon It, you pet in trouble/are held accountable for It_ The profiting landlord takes the trailer [which has been classified as "abandoned") and resells it. Not illegal, but It seems to require changes In state law and local ordinance. Arrests & Canvirtrans: Checking the Box D It is very difficulttoget housing as a formerly incarcerated person because you have to wait 7 years to get record expunged; arrests for marijuana for Black men seem high in Dubuque. O The extremely high rates that Dubuque, and Iowa overall, Incarcerates black men for marijuana severely affect the ability of this population to get housing_ O It's confusing, the background checks_ Landlords are asking for arrest records —not even convictions —to deny rental applications. U Can't get housing (mostly dueto "checking the box"} and It leads to mental health problems. Suggestions 0 Landlords lack empathy{understanding for us (low-income people); they need mandatory training- U An anonymous donor from Re -Engage focused primarily on supporting single mothers pays for fully furnished apartments far these students, which makes a significant difference for them 0 A new complex opening soon (15Er Street Apartments) with low-income housing that doesn't have a checklist for formerly incarcerated, people with 5ub5tanpe use histories, people with an eviction on their record; welcomes all. O The Washington on Neighborhood Project Is a successful Initiative where money was fronted the cost of renovating same homes {lead regulations, electrical} and then said them for reasonable prices, filling the area with more single-family units; "slumlords' had been using the houses In this neighborhood. ❑ Housing with childcare built -into the building(0 would he extremely helpful_ Consolidated Plan DUBUQUE 223 OMB Control No: 2506-0117 (exp. 06/30/2018) pubdwats Dubuque Equitable Poverty Prevention &COBG Focus Group Participants October 14 and 15, 2019 MONDAY OCTOBER14r 3019 12 noon —1Z:45 p.m. Education affinity group. • Csantact: Pahlm Akraml, ICI 1A Local Government Management felbow, E.Ity 9t Dubuque J 50 W. 13th 51_ Dubuque, IA 52.001, IPh 561.69U_612OJ Met with a Cultural Anthropology Professor, Alice oleson, specializing in poverty from the University of Dubuque and Susan Stork, a professor from the Toad Community College NICC with experience in training programs. 130 PM —2:30 PM UNITED WAY FUNDED PARTNERS • Contact! J�s�ir,� Keil% Director of Community Building $S Impart TrIStates 1 215 1Nest 6th Rivet 521001 Ph; 563-585.1415 Pxt 206 Met with ten agency heads of non-profit organizations, including the head of the United Way Funded Partners. A White Board illustration was created for this session. 1. Paula Paideriitht I HilFcrest 1 paula.paider.Iicht@hillrre5t-fs.crg 2. Shelby Fippedie 1 WA 1 seiPperfe,p ecia.r<rg 3. Heather 1LrGram 1 -Opening Doors I hltrAraingutrdningdvorsdb.q_vrg 4_ Carol Gebhart 1 Opening Doors 1 cgebhartaopeningdaarrAbq,org 5. Dawn Hall 1 SASC 1 halld@sass-dbq.org 6_ Amy Unmacht I Faundation far Dubuque Public Schools I amxru@dFrgfoundatian_org 7- Tricia Wagner 1 RTA 1 tyl38.9er T3_org 8_ Brittany Hulsanks I VPIA 1 Brittany.hubanks@urritypDint,grl .9_ Carrie O'Connor 11pur2iLeg I AitI I cocannor@iowarpiw.org 10. Jessica Blelie !Director Community Building & Impact 430 p m, — 530 p.m. Human Rights Commission, • Kelly Leeson, Director, Human Rights Department- City of Dubuque, 11300 Main Street, pubugue, IA 53001 563-589'4190 [office); 563-564-51307 (cell} Met with 7 members of the HRC to exp[ain the project- Their major suggestion was to meet with the 4 schools that have exceedingly high poverty rates, One of their members anonymously gave my name to a community activist who called me later that evening to meet with the next day. Consolidated Plan 1 DUBUQUE 224 OMB Control No: 2506-0117 (exp. 06/30/2018) 6: 01} — 7:15 Opening Doors , Card Gebhart, Executive Director, AdministratIve Office 12100 Asbury Road, Suite 6, Dubuque, IA 52001 rPh: 553.532.74g:1i Met with 5 women riving at Theresa's Shelter (met al the shelter)_ Two women were very artkulate and voca I providing deep insights —especial -Iv the difficulties of single women with children, TUESDAY, OCTOBER 15 10 Q0 AM—11:OQAM CRESCENT HEALTH CENTER + Suaie 5troudr MStihr Dubuque Pacific Islander Project {Marshall Islands) Crescent Health Center 117$9 Elm Street 52001 563-690-0311 Met with Su¢ie Stroud, an older Marshallese man, and a Community Outreach worker/translator,. 12 4 —12:45 Operation New View CamrnunIty Action Agency + Contact' Beverly Maas, Community Education & Nanning, Dubuque County Office 11473 Central Avenue Dubuque, IA 5200I 1Ph, 563-555-5130 ext. 1N Met with the director and three women experiencing poverty who were very engaged and also provided insights on the fragmented system to receive help. White &card graphic illustration created with this group, 1:15 —3;00 pm Lynne Sutton Past City Council Member, Community Adwocate Referral via HRC member, Very concerned about housing Issues, profilirrd and high arrest rate by polite of men of color_ She is ovemeeIng research of police arrest data and hopes to have a report in November. 4 p.m. —4:45 p.m. Educational Affinity Group. K-11 • Contact. Rahlm Akraml, ICMA Local Government Management #eliow, City of Dubuque 150 LV_ 1.3th St_ Dubuque. IA 52fl01, Ph 563.1590.612C} Met with 7 school principles— Edward Glaser whose school has 97% Free School Lunch rate has reached back to the offer LR made W conduct an e`survey with his faculty and Home Liason staff. 1. Edward Glaser, Principle I Audobon Elementary 2_ Kelly Moiony, Principle [Jefferson Middle School 3- Brian Howes, Principle 1 Washington Middle Scheer Consolidated Plan 2 DUBUQUE 225 OMB Control No: 2506-0117 (exp. 06/30/2018) 4_ Carolyn Viieiorek, Principle I St, Anthony & Our Lady of Guadalupe 5_ Doug Parley, Principle I Ma!tuchelli Catholic Mlddre School G. Chris Oherhaffer, Assistant Principle I Alta Vista Campus 5;15 — 6 30 pm Thee Lantern Center ▪ Contact- Megan I uii, Executive Director, Schmid Innovation Center 1940 Jackson `mot, LL5-1 Dubuque, Iowa 52001 iPh S6.3-557-7134) Met with 3 people experiencing poverty, two of which were students and one single mother who Is Hispanic. The Director (Megan} also joined the discussion_ 7:OD—BM pm —Fountain of Youth • Corrtart2 Caprice lanes, Executive Director, FOY 11497 Central Ave, IBQ IA 520D1 (Ph 563-587-8316) Met with the Executive Director, Caprice Jones and 14 indiYiduals—95%ofwhom are felons and firing in a halfway house_ A graphic illustration of the conversation that went on for 174 hours is available and we were asked to Share the finalized version with Caprice which we will, Several pf the participants took photos of the white board proceedings as the group enjoyed seeing the results of all their ideas an the hoard. They were very thankful to be listened to and felt validated. Summary of Focus Group Comments Housing + There's a gap between wages and housing coslm; a living wage is needed_ • We need safe and affordable housing (safe meaning pest -freer lead -freer etc_) + Middle-class people who look better on paper are moving their way into affordable housing that low -Income people need, leaving us with even fewer options. • Most of the less expensive housing Is downtown, concentrating poverty and fueling a culture of • generational poverty_ • The Housing Authority switched from waidist prioritization to lottery (not needs-basedM. Why? • There are years -long waiting lists for 'housing. • Quality housing Is very hard to come by. Landlords do not maintain properties well and it is difficult for tenants to know how to go after them through the right thannels/tn afford 1o, • Only a few landlords currently accept residents on public assistance, The two landlords in town that do accept It are "the biggest slumlords in town" and If they are kicked out of the systemr no one will accept it Consolidated Plan DUBUQUE 226 OMB Control No: 2506-0117 (exp. 06/30/2018) • Moving between rentals is very expensive. It hard to come up with money required for deposit and first month; old landlord may keep last deposit, • A lack of stability and goad conditions in housing negatively contributes to students' mental health and ability to learn. • Properties are bring left in such poor condition that it causes hopelessness. • Financial institution was not willing to loan us money to get a small house, so we have to keep paying money far rent (which often increases); we have no house to pass dawn to our children. 4 The families of the most at•rksk learners are not connected to a mortgage and many students' • families move around to several apartments_ This means they may often hop between schools, Impacting their learning, • There's a huge need for affordable disability housing because so many people In the Marshallese community have health problems - very high rates of diabetes, high rates df cancer, others {result of US, testing nuclear bombs on the Islands, causing Illnesses from radiation and devastating the fraud supply, replacing with highly processed food}, • Undocumented people are afraid to spec k up about bad landlords because their options for housing are limited and they worry landlords will take advantage of their status. ▪ Affording housing is a big issue for seniors, too gent around $1,400 a month). Elderly can't afford to move into assisted living or pay for nursing home cart, There have been increases in elderly people -especially elderly wornen—at shelters. • Lots of income -aced housing is specialized for seniors, people with disabilities, etc_ It's hard to find affordable housing If outside of these categories. • The Marshall Islander population "doubles up" with family members. There were recently some changes allowing Marshallese to qualify for some housing assistance, • the only type of government assistance that they are allowed to receive (no citizenship, no healthcare, no childcare, can't vote.) • Dubuque has a "nulsarrs.e ordinance" and a landlord can Bet fined If the cops have been called to an apartment a certain number of times; there is a stereotype that Section S residents are the aces for/on whom the police are called, • Mobile Homes! lot rent prices have increased significantly across the state (4896 in two years) with residents having only three days to pay before receiving an eviction notice_ Rents raised from $4DOto $.901,1 with utilities no longer included_ I've heard a state legislator Is looking Into this. Corporations come in with "rent to own" deals and people get loans, but not mortgages_ If }rou are evicted and have to abandon it, you get in trouble/are held accountable for it. The profiting landlord takes the trailer (which has been classified as "abandoned) and resells it. Not illegal, hut it seems to require changes in state law and local ordinance, • It is very difficult to get housing as a formerly incarcerated person because you nave to wait 7 years to get record expunged; arrests for ma rij ua na for Black men seem high in Dubuque. ▪ The extremely high rates that Dubuque, and Iowa overalJr incarcerates black men for marijuana severely affect the ability of this population to get housing. • It's confusing, the background checks. Landlords are asking for arrest records —not even convictions —to deny rental applications. Can't get housing (mastly due to "checking the box") a nd It leads to mental health problems, • Landlords lack empathy/understanding for Us (low -Income people]' they need mandatory training. Consolidated Plan 4 DUBUQUE 227 OMB Control No: 2506-0117 (exp. 06/30/2018) • An anonymous donor from Re -Engage focused prirnaviiy an supporting single mothers pays for fully furnished apartmen#sfar there students, which makes a significant difference for them ▪ A new complex opening soon (15th Street Apartments) with law -Income housing that doesn't have a checklist for formerly incarcerated, people with substance use histories, people with an eviction on their record; welcomes all. + The Washington Neighborhood Project is a successful Init ative where money was fronted the cost of renovating some homes (lead regulations, electrical) and then sold them for reasor►able prices, f+llingthe area with more single-family units; '$iumlords" had been using the houses in this neighborhood. • Housing with childuire built -into the buiiding(s} would be extremely helpful. Consolidated Plan DUBUQUE 228 OMB Control No: 2506-0117 (exp. 06/30/2018) Grantee Unique Appendices Grantee Unique Appendices City of Dubuque • Imagine Dubuque Executive Summary • $ustainability Repprt, Sustainable Dubuque • January 2019 HUD letter- updatingVCA requirements • Voluntary Compliance Agreement {2014} • Analysis of I rnpedirnents to Falr Housing- updated 2019 Consolidated Plan DUBUQUE 229 OMB Control No: 2506-0117 (exp. 06/30/2018) Analysis of Impediments to Fair Housing Choice 2019 Masterpiece on the Mississippi Housing & Community Development Department 350 West 6th Street, Suite 31 I Dubuque, IA 52001 Table of Contents ACKNOWLEDGEMENTS 0 EXECUTIVE SUMMARY 1 2019 PROPOSED FAIR HOUSING PLAN 3 I. INTRODUCTION 6 HUD Voluntary Compliance Agreement 9 Summary 11 II. COMMUNITY PARTICIPATION 12 Overview 12 Community Participation Results 16 Discovery Sessions: Community Issues Takeaways 16 Focus Groups Input Themes 16 Stakeholders Input 17 Community Survey Results 18 Summary 20 Potential Solutions 20 Snapshot of Survey Respondents Comments 21 III. ASSESSMENT OF PAST GOALS 23 2015 Fair Housing Goals: Progress & Action 24 Summary & Potential Solutions 29 IV. FAIR HOUSING ACTIVITIES 31 Summary & Potential Solutions 33 V. DEMOGRAPHICS 35 Population Trends 35 Race & Ethnicity 36 Age 37 Sex 38 National Origin 39 Persons with Limited English Proficiency 40 Familial Status 41 Disability 42 Other Vulnerable Populations 43 Poverty 44 Educational Attainment 46 Employment 47 Summary 48 VI. HOUSING PROFILE 50 Housing Overview 50 Housing Types 50 Age When Housing Built 51 Housing Problems 54 Imagine Dubuque Strategies for Expanding Affordable Housing 59 Potential Private Sector Discrimination 60 Summary of Barriers & Potential Solutions 61 VII. ACCESS TO OPPORTUNITY 63 Low Poverty Index & Income 64 School Proficiency Index 67 Jobs Proximity Index & Labor Market Index 69 Low Transportation Cost Index & Transit Trips Index 73 Environmental Health Index 76 Racially or Ethnically Concentrated Areas of Poverty 77 Dissimilarity Index 77 Isolation Index 77 Non -HUD Factor: Child Care 78 Summary 79 VIII. 2019 FORWARD: DUBUQUE FAIR HOUSING 80 2019 Proposed Fair Housing Plan 81 CONCLUSION 84 END NOTES 85 APPENDIX 87 A. Definitions and Key Data Sources 87 B. Table of Figures 90 C. Community Participation Tools 92 D. Focus Group Notes 98 E. Survey: Open -Ended Comments 100 ACKNOWLEDGEMENTS The City of Dubuque contracted with Public Works LLC to develop the Analysis of Impediments (Al) and Consolidated Plan. This Al benefitted greatly from the contribution of Dubuque residents. Given the sensitive issues discussed, residents' honesty and frankness were especially appreciated and invaluable to understanding the fair housing context in Dubuque. We are also grateful for the assistance of City staff in multiple departments. In particular, members of the Departments of Housing and Community Development and Human Rights provided data, reports and insights, and the City Communications' personnel made photographs of Dubuque available for our use in this document. pu o, wor making good ideas work for the beller www.Public-Works.org I (610) 296-9443 EXECUTIVE SUMMARY This document is an Analysis of Impediments to Fair Housing Choice (Al) for the City of Dubuque, Iowa. An Al is required by the U.S. Department of Housing and Urban Development (HUD) for any community that receives federal housing and community development funds. Those funds flow from the Community Development Block Grant (CDBG) which invests in affordable housing, anti -poverty programs, and infrastructure development. Dubuque is required to conduct an analysis in conjunction with their Five -Year CDBG Consolidated Plan. This Executive Summary presents major findings from the 2019 analysis of what stands in the way of housing choice and access to opportunity in Dubuque. It also offers action items to address the barriers. This Al is comprised of seven primary sections that provide data, trends, maps and analysis. Generally, this Al is organized as a look back, an examination of the current ecosystem, and a look forward. Each major section includes a summary of findings and potential solutions. Housing is not simply shelter. Where we live has a profound impact on our lives. Housing choice affects child well-being, economic mobility, and our community's economic growth. The Al contains all elements of HUD's suggested format. One section, Access to Opportunity, was affected by federal technology system issues; HUD's Affirmatively Furthering Fair Housing that enables extraction of opportunity indices data tables was not functional. The City of Dubuque is aware of significant impediments to fair housing choice. Through its comprehensive plan, Imagine Dubuque, the City sets forth strategies to expand affordable housing, improve the conditions of aging housing stock, and ensure that the Housing Choice Voucher ('Section 8') program implementation doesn't result in segregation and the concentration of poverty in isolated neighborhoods. Additionally, the City's forthcoming Equitable Poverty Prevention Plan will provide best practice approaches to address poverty that hurts Dubuque's youngest and oldest residents, women, and communities of color the most. As HUD's Fair Housing Planning Guide notes, community members know their community best. Over 400 Dubuque residents provided input into this Al through discovery sessions, focus groups, stakeholder interviews, a communitywide survey, and public meetings. Al citizen participation was integrated with the City's Equitable Poverty Prevention Plan activities because poverty and housing choice are inextricably linked. Residents' insights, along with analysis of U.S. Census Bureau and other relevant data, drove the proposed five-year fair housing goals. Dubuque's issues mirror nationwide issues. The widened wealth gap, both minimum wages and median incomes that have not kept pace with the cost of living, and the results of mass incarceration and systemic racism all contribute to the Dubuque's fair housing context. This analysis finds that persons of color and low income residents in Dubuque experience a greater housing cost burden, more housing problems, and inequitable access to opportunity. But Dubuque is a community that has galvanized to collaboratively solve problems in the past. Building upon Imagine Dubuque and integrating efforts with the forthcoming Equitable Poverty Prevention Plan, this analysis serves not simply as a means to meet federal requirements, but as support for the City of Dubuque as it strives to create a more equitable, viable and livable community for all residents. 1 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Key Themes ■ Cost Burden & Living (Self -Sufficiency) Wage ■ Available, Affordable Housing ■ Substandard Housing ■ Access to Opportunity ■ Potential Bias & Discrimination Impediments and Contributing Factors 1. Lack of affordable, safe housing. 2. Housing Choice Vouchers (HCVs) are not accepted as source of income for rental units; lack of a Source of Income Ordinance and/or state legislation creates disparate impact on protected classes. 3. Lack of information about available units that accept HCVs and lack of communication and relationships between HCV tenants/applicants and landlords. 4. Fair housing materials not available in languages other than English; low complaints indicate low Human Rights Commission effectiveness. 5. Residents report they perceive bias and discrimination in public and private housing practices. 6. Recent predatory practices by Mobile Home community owners are pricing people out of their residences. 7. Community participants perceive that arrest records are a barrier to acceptance of HCVs and also report that they find the background check process confusing. 8. Lack of eviction data and analysis to assess disparate impact based on protected class. 9. Lack of living wage that empowers self-sufficiency; state law prohibits local control over minimum wage setting; and lower median earnings and wages for women (Gender Pay Gap). 10. Lack of access to child care is a barrier to opportunity such as employment. 11. The nonprofit service array is confusing to consumers (e.g. no single point of entry). 12. Negative community perceptions about poverty impact fair housing and access to opportunity. 13. Law enforcement actions disproportionately impact people of color. 14. Lack of public transit may negatively impact access to educational opportunity. 15. Lack of confidence that the City is focused on equitable housing choice for all residents. Proposed Fair Housing Goals ■ Advance equity with fair housing advocacy, education, and enforcement. ■ Increase and promote safe, affordable housing. ■ Implement local government policies that encourage equity and decrease disparate impacts. ■ Increase access to opportunity and the building of social capital. 2 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA 2019 PROPOSED FAIR HOUSING PLAN BARRIER PRIORITY ACTIONS Goal One: Advance equity with fair housing advocacy, education and enforcement. Housing Choice Vouchers are not accepted as source of income for rental units. High Continue obtaining accurate Housing Choice Voucher data from landlords as to the number of units, location of units, vacancies, and denials of rental applications; identify landlords unwilling to accept HCVs and conduct targeted outreach and education. Lack of communication and relationships between HCV tenants/applicants and landlords. Medium Implement communication and trust -building activities for landlords and HCV program participants such as "Meet and Lease" events or other national promising approaches. Human Rights Commission effectiveness. High Conduct an assessment of HRC and support capacity building efforts, including publication of a strategic plan. Fair housing materials not available in languages spoken in the community. High Review the inventory of fair housing education materials (e.g. fact sheets) and update to reflect the languages spoken in the community and what community members say they most want and need. Residents report they perceive potential bias and/or discrimination in public and private housing practices. High Establish an external, independent fair housing testing program for residential, accessibility, sales and lending, or insurance discrimination to identify the problems members of protected classes face when seeking housing in Dubuque. Goal Two: Increase and promote safe, affordable housing. Lack of affordable, safe housing. High Continue implementation of the Imagine Dubuque strategies, and the City Housing and Community Development Department's efforts to affirmatively further fair housing through licensing and tiered inspections, making decisions more transparent. Lack of confidence that the City is focused on equitable housing choice for all residents. Medium To build community trust, publish short (e.g. one pager and/or data dashboard if possible) updates regarding the increase in safe, affordable housing. Recent predatory pricing practices by Mobile Home community owners are pricing people out of their residences. High City Council, as at least one member has publicly stated, should take any and all appropriate action to protect the residents in mobile home communities. This protection may come in the form of an ordinance or other action but promotes safe, affordable housing for the over 800 Dubuque residents who live in mobile homes. 3 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Goal Three: Implement local government policies that encourage equity and decrease disparate impacts. Arrest records used as a barrier to landlord acceptance of HCVs and background check process is confusing to residents. High Audit the background check process for disparate impact. Lack of eviction data and analysis to assess discrimination and disparities and provide support to residents facing evictions. High Implement quarterly review of eviction data to evaluate for disparities/discriminatory impact. Lack of living wage that empowers self-sufficiency; state law prohibits local control over minimum wage setting. Medium Educate regarding the impact of the state's minimum wage and conduct activities to increase wages. Lack of a Source of Income Ordinance and/or state legislation creates disparate impact on protected classes. High Continue exploring a Source of Income Ordinance. Lack of access to child care is a barrier to opportunity such as employment. Medium Evaluate the potential for including child care proximity into housing development proposals and assess the feasibility of a local subsidy to support child care and/or preschool accessibility, affordability and quality. Goal Four: Increase access to opportunity and the building of social capital. Lower median earnings and wages for women. High Assess, develop and implement metrics and strategies to reduce the Gender Wage Gap. Negative community perceptions about poverty impact fair housing and access to opportunity. High Increase community awareness about the impact of poverty and toxic stress on the brain; develop measurable equity and inclusion metrics. Law enforcement actions disproportionately impact people of color. High Evaluate disparities in arrest rates by race and detail metrics and actions to decrease racially disproportionate arrest rates. The nonprofit service array is confusing to consumers. Medium Use assessments currently underway (Equitable Poverty Prevention Plan process and another group's review) regarding the nonprofit services array and gaps to make necessary improvements that increase access to opportunity. Lack of public transit may negatively impact access to educational opportunity. Low Assess the need for public transit to Northeast Iowa Community College programs in Peosta and make improvements as indicated. Figure 1 2019 Proposed Fair Housing Plan 4 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA CDBG Catchment Area Map City of Dubuque Community Development Block Grant is shown below as a reference. It should be noted that the CDBG jurisdiction does not exactly align to City boundaries. Centralia 'eosta Durango US Hwy'iF5 3agevIIle 5ocislEnlorer Inc East Dubuque LS ti}wy 20 Figure 2 City of Dubuque City Limits: Social Explorer 5 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA 11,111 IIIII I pl. R E f :616 uuppe-+ w1 I. INTRODUCTION This section provides the context for the Analysis of Impediments document with a brief overview of: ■ Fair Housing Law ■ Methodology Used ■ Race Relations ■ Voluntary Compliance Agreement with HUD ■ City of Dubuque's plans and initiatives Lead Agency The City of Dubuque is the lead agency responsible for preparing the analysis (Al), the Community Development Block Grant (CDBG) 5-Year Consolidated Plan and subsequent Annual Action Plans. The City's Housing & Community Development Department (HCD) is responsible for managing CDBG activities, funding and policies. The City contracted with Public Works LLC to assist in the Al and Consolidated Plan development. The U.S. Department of Housing and Urban Development (HUD) has not issued regulations defining the scope of analysis and the format to be used by CDBG grantees when they prepare their Als. HUD does provide a Fair Housing Planning Guide' which includes a 'Suggested Al Format' which was used in Al report development. HUD's Affirmatively Furthering Fair Housing information technology system was not fully functional during the development of this AI, affecting the accessibility of HUD Opportunity Index data. Fair Housing Choice Historically access to housing has been a powerful tool for discrimination and segregation in the United States. To combat this, Title VIII of the United States Civil Rights Act of 1968, more commonly known as the Fair Housing Act (FHA), was passed by Congress to prohibit discrimination concerning the sale, rental and financing of housing based on race, religion, national origin or sex. The FHA was amended in 1988 to provide stronger penalties, establish an administrative enforcement mechanism and to expand its coverage to prohibit discrimination on the basis of familial status and disability. 6 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA "Fair housing choice" is the ability of persons or households to have the same or similar housing choices regardless of federal protected class. The Iowa Civil Rights Act or ICRA (Chapter 216 of the Iowa Code) expands protected classes. FEDERAL — FHA The Fair Housing Act (Title VIII of the Civil Rights Act of 1968) STATE — ICRA Iowa Civil Rights Act of 1965 (Iowa Code Chapter 216 Race Color Religion/Creed Sex National Origin Familial Status Disability Sexual Orientation Gender Identity HUD generally defines impediments to fair housing choice to include acts or omissions in three categories: 1. Actions which constitute violations or potential violations of the Fair Housing Act; 2. Actions which are counter -productive to fair housing choice such as resistance to the introduction of minority, immigrant, disabled, or low income populations into a community; 3. Actions which have the effect of restricting housing opportunities on the basis of protected classifications. As an entitlement city that receives CDBG funds, Dubuque must also certify that it takes actions to affirmatively further fair housing. AFFH entails: ■ Analyzing and eliminating housing discrimination within the jurisdiction; ■ Promoting fair housing choice for all persons; ■ Providing opportunities for racially and ethnically inclusive patterns of housing occupancy; ■ Promoting housing that is physically accessible to all persons to include those persons with disabilities; and ■ Fostering compliance with the nondiscrimination provisions of the FHA There are two types of discrimination: ■ Intentional discrimination against a protected class; and ■ Disparate impact, practices not necessarily intended to discriminate but that have a disproportionately adverse effect on a protected class. Al Methodology The Al development process involved looking at a variety of data sources related to housing and persons who are in protected classes under civil rights law. The U.S. Census Bureau's American Community Survey 5-year estimates (2013-2017) is the primary dataset used consistently throughout the Al unless noted as unavailable or where other reliable data sources were utilized. Data was collected and evaluated through a mixed -method approach: 7 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA 1. Primary Research — the collection and analysis of raw data that did not previously exist; 2. Secondary Research — the review of existing data and studies; 3. Quantitative Analysis — the evaluation of objective, measurable, and numerical data; and 4. Qualitative Analysis —the evaluation and assessment of subjective data such as people's beliefs, feelings, attitudes, opinions, and experiences. Al community engagement activities were integrated with the launch of the City Council's high -priority initiative: Equitable Poverty Prevention Plan (EPPP). The decision to integrate Al community engagement activities with EPPP is in recognition that poverty and fair housing are inextricably linked and to mitigate stakeholder engagement fatigue. Local Government's Role The 2019 fair housing plan (barriers, goals and actions) is designed to provide the City with the necessary framework to strategically reduce identified impediments to fair housing choice over the next five years while continuing to make modifications based on events and activities in the community during that time period. The actions recommended are robust. However, many of the steps have been recommended over the past decade or longer. It is understandable that as a local government there are limitations on what the City of Dubuque is able to do to address impediments. At times the City's role may be primarily one of influencer, convener and fair housing educator. In other instances, such as policymakers' CDBG investment decisions to reduce disparities, direct action is possible. Effectively reducing obstacles to fair housing requires coordination and commitment from policymakers, government personnel, housing providers, advocacy groups, law - enforcement, and residents. About Dubuque The City of Dubuque became a 5-time All -America City award winner in 2019. A historic community on the Mississippi River, Dubuque is Iowa's oldest and 11th largest city and 'Dubuquers' take pride in having their community recognized as one of America's best places to live and raise a family. Additional honors the City of Dubuque has received include: ■ LEED-Certified City - 2018 ■ Driftless North End Designated as Iowa Great Place - 2018 ■ Leading Environmentalism and Forwarding Sustainability (LEAFS) Award - 2018 ■ Livability Award for Bee Branch Project - 2017 ■ Ranked #12 of "30 Best Small Cities in the United States" - 2017 ■ Bee Branch Project Recognized for Excellence and Innovation in Clean Water Infrastructure - 2017 ■ National Diversity Award - March 2016 At the same time, Dubuque's race relations are a longstanding community concern: ■ The late 1980s and early 1990s were a particularly trying period of racial divide in the City of Dubuque when fourteen cross-burnings fueled mistrust and conflict. 8 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA ■ In 2011, the City's Housing Choice Voucher policies were found to have a disparate impact on African Americans. The City entered into a 2014 Voluntary Compliance Agreement with the HUD to address findings, which are discussed throughout this Al. ■ Another cross burning incident occurred in April 2016, and "[s]uddenly, one of the bleakest chapters in Dubuque's past — a spate of cross burnings and racial strife 25 years ago — snapped back into sharp, ugly focus. Older residents felt as if they had returned to square one in Dubuque's struggle to reorient itself as a more progressive, whole community." ■ As the Des Moines Register (April 22, 2016), reporting notes, Dubuque's topographical -divide lends itself to "two worlds roughly defined by the wealthier and whiter scenic bluffs above and 'the flats' below. There remains a palpable bogeyman paranoia about an influx of blacks and other minorities from Chicago." Dubuque has actively sought ways to understand and bridge its poverty and racial divides. The Dubuque 2010 Study on Crime & Poverty details residents' perceptions that more crime is committed by those living in poverty —and using Housing Choice Vouchers ("Section 8"). Researchers found that not to be the case: more people in poverty are likely to be victims than perpetrators of crime and there is no causation between poverty and crime in Dubuque. Soon after, Sustainable Dubuque 2012: Portrait of Poverty Study' researchers found that "[r]esidents described Dubuque as parochial and frequently unwelcoming to those who are different, particularly racial and ethnic minorities, LGBT persons, and the disabled". Community residents engaged in interviews, focus groups and the survey for this analysis echoed these statements. Finally, in 2018 the Greater Dubuque Development Corporation's True North program commissioned Loras College to conduct an opinion poll to understand community perceptions." Poll results also found a strong majority of residents — 68 percent — support the notion that "diversity is beneficial to our community," but they feel more could be done to improve race relations. Nearly 40 percent of those polled picked race relations as the biggest challenge facing the community. Respondents were asked to choose from a list of issues that included limited employment options — which ranked second at 21 percent — followed by poverty and substandard housing."' That a majority of residents support the notion that diversity is beneficial to the community is a positive sign for a city that has struggled with race relations over several decades. HUD Voluntary Compliance Agreement The City of Dubuque entered into a Voluntary Compliance Agreement with HUD after a Letter of Findings (June 17, 2013) concluded that a series of City policy decisions regarding its Housing Choice Voucher (HCV) program collectively had a disproportionately negative impact on African American families. City policies at issue included implementing residency preference points, limiting the number of vouchers available to 900, eliminating the very -low income preference allotment, and purging an outdated waiting list. v" The City has taken actions to remedy the disparate impact of past actions and to provide an analysis on the racial composition of Housing Choice Voucher applicants and participant pools. The following is a summary of actions and timeline of activities derived from the City's bi-annual reports to HUD on progress. 9 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Dubuque's steps to address HUD findings include: ■ Eliminating local residency preference points. ■ Maximizing voucher lease ups for five years. ■ Maintaining a monthly accounting of the voucher waiting list, including information on applications received, rejected and accepted, and applicant information such as race/ethnicity, and current or originating address. ■ Conducting concerted outreach under a re -branded HCV program. ■ Contracting with Fair Housing Center of Nebraska to have 20 matched pair tests for race discrimination conducted. ■ Increasing City staff's understanding of fair housing, discrimination, and the history of racism in the nation and community as part of the fair housing training programs (200+ employees have participated in training to date; trainings are held annually). ■ Establishing a Source of Income (SOI) Committee of public and private partners that conducted a two-year study of changes necessary. A February 2017 report to the City Council resulted in continuation of the SOI Committee and approval of collective impact efforts guided by eight key performance indicators: Voucher Lease -up Rate Assisted Units by Census Tract Location of Assisted Housing Units vs All Licensed Rental Properties New Affordable Units Created Landlord Participation Rates All Available Vacant Units Rent Reasonableness Analysis of Essential Services Throughout Community The development of this Al included review of the City's Human Rights Department report (January 15, 2019) which offered a detailed narrative timeline of actions the City has taken under the VCA. The City of Dubuque respectfully requested early release from the VCA in January 2019. HUD has approved reduced reporting requirements. City Comprehensive Plan: Imagine Dubuque Key barriers identified in 2019 related to expanding affordable housing make it imperative to include information about the City's comprehensive plan. Imagine Dubuque is the city's plan that serves as a guide for the community's physical, social, and economic development. Adopted by the City Council in September 2017, over 12,500 ideas were generated from 6,000 community participants; ideas were narrowed into themes in seven categories, under which 110 community recommendations were grouped. Recommendations are then prioritized by the City Council for investment and action in three year increments. Most pertinent to reducing barriers to fair housing choice, Imagine Dubuque strategies include developing new housing; adopting a mix of financial incentives for the creation of Housing Choice 10 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Voucher units across the community; and looking to increase wages and self-sufficiency opportunities in the community to make housing more attainable. Community Inclusion Initiative The City knows that long-term success to eradicate racism and create a more inclusive community will require collective efforts. To that end, one such effort is Inclusive Dubuque. Inclusive Dubuque is a local peer -learning network of more than 50 organizations and individuals from faith, labor, education, business, nonprofit and government dedicated to advancing justice and social equity. This network launched an initiative to develop a "Community Equity Profile" in 2015 using 2000 to 2010 Census data and feedback from community members in seven different focus areas: economic wellbeing, housing, education, health, safe neighborhoods, transportation and arts/culture. Inclusive Dubuque's goal in sharing the equity profile was to inform community leaders, community members and policymakers in order to transition from gathering information to creating an action plan that will support Dubuque's growth as an equitable and inclusive community. Inclusive Dubuque is currently working on an update to its 2015 Community Equity Profile. The City has not formally adopted Inclusive Dubuque's Community Equity Profile but has used the data to inform goals and priorities. The network also catalyzed the 'I'm a Dubuquer' campaign which focuses on inclusion of all residents in the City: For as long as anyone in our city can remember, people from Dubuque have referred to themselves as "Dubuquers." The term is deeply embedded in our community and our language. At times, it has also been used to draw a line between insiders and outsiders. To be a Dubuquer is a good thing. As our city changes and grows, it is time to expand our imagination about what it means to be a Dubuquer. Instead of using this word to draw a line, let's expand the circle and open our hearts to all who call Dubuque home. Nonetheless, the communitywide survey conducted for this analysis of impediments study elicited comments like: "Remove public housing and food stamps and poverty in Dubuque goes down" and "Reduce the incentive to be nonproductive slugs." Stakeholders interviewees reinforced that "there's a secret handshake" in Dubuque. That secret handshake is effectively social capital, the relationships, connections and bonds that create networks and often, our ability to thrive. One successful African American in Dubuque summed up his experience this way, "I always know I'm just one mistake away from losing it all." Summary ■ The City remains under a VCA with HUD but has taken actions to correct issues found. ■ Racial and `outsider' divides are part of the community's culture; there have been citywide efforts to increase inclusion. ■ The City's comprehensive plan addresses affordable housing and provides positive strategies for making substantial progress; the future Equitable Poverty Prevention plan will be invaluable. 11 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA II. COMMUNITY PARTICIPATION HUD encourages meaningful citizen participation in Al development. This section provides details on Dubuque's efforts to engage the community around poverty and impediments to fair housing choice. ■ Methodology ■ Participants ■ Summary of Input and Potential Solutions Overview A variety of engagement methods were used to obtain citizen participation: discovery sessions, focus groups, stakeholder interviews, a community -wide survey, and public meetings. Public hearings participation numbers are an estimate; additional consultations will include discussion of the Consolidated Plan with the Community Development Advisory Commission (CDAC) and Dubuque's City Council. Community Participation ■ FOCUS GROUPS ■ SURVEY Figure 3 Community Engagement (participants) Summary ■ STAKEHOLDER INTERVIEWS ■ PUBLIC MEETINGS 57 30 16 12 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA 1. Project Initiation/ Small Group Discovery Sessions (Week of September 16, 2019) A series of discovery sessions set the stage for Al development. Meeting topics included communicating important stakeholders' contact information for consultation interviews, the review of previous actions taken and to collect other relevant data. Twenty-seven (27) participants took part in discovery sessions. Participants represented: City Government City Manager's Office Housing and Community Development Department Planning Department Attorney's Office Economic Development Department Human Rights Department Multi -Cultural Family Center My Brother's Keeper Program Office of Sustainability Neighborhood Development Specialist Non -Government Community Foundation of Great Dubuque Greater Dubuque Development Corporation Fountain of Youth 2. Focus Groups (Week of October 14, 2019) Eight focus groups were held to collect input from groups of residents and professionals with specific backgrounds and unique perspectives on poverty and the fair housing choices. The core community engagement guide for focus groups and stakeholder interviews and survey questions may be found in Appendix to this study. In most cases, the consultant project team worked with local agencies and organizations to host and promote the focus groups to their respective members or clients, resulting in a total of 57 participants. Host United Way Funded Partners City of Dubuque City of Dubuque Attendees Community Nonprofits Iowa Legal Aid Hillcrest Opening Doors Regional Transit Authority East Central Intergovernmental Association SASC Behavioral Health Foundation for Dubuque Public Schools Visiting Nurses Association United Way Community Impact Higher Education Northeast Iowa Community College University of Dubuque K-12 Education - Principals & Assistant Principals Audubon Elementary Jefferson Middle School Washington Middle School St. Anthony & Our Lady of Guadalupe 13 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Community Action Agency Fountain of Youth Opening Doors/Theresa Shelter's Crescent Health Center The Lantern Center Mazzuchelli Catholic Middle School Alta Vista Campus Operation New View's Low -Income Consumers Dubuque's Formerly Incarcerated Persons Consumers Homeless Women Consumers Marshall & Pacific Islanders — Consumers & Service Providers Hispanic/Recent Immigrants — Consumers & Service Providers Participants were offered, and accepted, confidentiality to encourage openness. As such, demographic information is not provided; the term 'consumers' generally refers to persons self -identifying as living in or having the lived experience of poverty. 3. Stakeholder Interviews (October 14, 2019 — November 14, 2019) Individual and small group stakeholder interviews were held with 16 persons. For people unable to attend an in -person interview, telephone/virtual interviews were offered. Stakeholders were identified by the local government staff and represented a variety of viewpoints including affordable housing, community development and planning, education, employment, homelessness, people with disabilities, and others. Organizations from which one or more representatives participated in interviews include: ■ Dubuque Rescue Mission ■ City of Dubuque Economic Development Department ■ City of Dubuque Transportation Department ■ City of Dubuque Planning Department ■ City of Dubuque Human Rights Department ■ NAACP, Dubuque Chapter ■ Dream Center ■ Resources Unite ■ State of Iowa Department of Human Services ■ City of Dubuque Department of Housing and Community Development ■ Community Foundation of Greater Dubuque ■ Iowa Legal Aid ■ Community Activist 4. Communitywide Survey (October 17 — October 25, 2019) A broad approach was used to enlist citizen participation. The survey was open to anyone interested in participating. This means that results are based on non -probability sampling methods. Unlike a statistically valid, random probability sample, the results are not necessarily reflective of all Dubuque residents. Comments are provided verbatim from the open-ended survey question. The survey was shared at the City Expo event on October 17-18, 2019 via laptops provided by the City's Housing and Community Development Staff, and was also shared on the City's website. 14 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA 5. Consultations — Public Meetings October 14 & Human Rights Commission December 9. 2019 Overview of poverty project and fair housing intersect; review and approval of Al. October 16 & Community Development Review 1st high level draft of Consolidated December 18, 2019 Advisory Commission (CDAC)* Plan and Analysis of Impediments; review and approval of AI. The *CDAC is comprised of 9 members, four must reside in areas where over 51% of residents earn less than 80% area median income (AMI), four are from the community at large, and one member is also a member of the Housing Commission. Members of the commission advise on the strategies, use, and effectiveness of activities and programs funded with CDBG and on the plan itself. Note that recommendations are forwarded to the City Council for final adoption into the approved plan. Other Events Attended Gaining Opportunities (September 17, 2019) The City's Housing & Community Development Department administrates "Gaining Opportunities," that encompasses three programs that help participants move toward prosperity: HUD's Family Self - Sufficiency (FSS) Program, Getting Ahead in the Workplace (GA), as well as individual coaching and goal setting for individuals that do not receive HCV, focused around the six areas to improve self-sufficiency. The City's FSS program provides services to HCV families aimed at increasing their earnings and reducing dependency on social services entitlement programs and rental subsidies. Once participants obtain employment and their portion of the rent increases, HUD invests the participant's portion of the rent into an escrow account. City FSS staff provide one-on-one coaching, goal -setting and referrals so that participants can achieve their goals. Upon goal attainment, participants graduate from FSS and receive the HUD escrow money. The average monthly HUD investment into escrow accounts is $250 per participant. Twelve (12) adult female participants (and their children) attended GO social capital and skill building night. A meal was provided and a speaker from Northeast Iowa Community College (NICC) shared information about Opportunity Dubuque. Barriers raised by participants: unreliable transportation; already working two jobs; child care/not having time with children now and this means more time away from them; and some courses take much longer (welding) than something like child care provider. Race in the Heartland Conference (October 17 & 18, 2019) A member of the consulting team also attended the Race in the Heartland conference on October 18-19, 2019 in Dubuque. included sessions on fair housing laws, restorative justice, inclusion and diversity, implicit bias and more. The Dubuque Human Rights Commission facilitated a community forum at the close of the conference. Barriers raised: the lack of affordable and safe housing, lack of fair housing enforcement, racial bias and discrimination, and evictions. 15 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Community Participation Results Discovery Sessions: Community Issues Takeaways ■ Service Array, is it right -sized, are there gaps?; processes and accessibility are confusing. ■ Racism and equity are chief concerns, as is the growth and deepening of poverty. ■ Past successful programs (Bridges Out of Poverty -based program) have been eliminated. ■ Dubuque has been traditionally unwelcoming to outsiders and has a history of racial incidents (especially cross burnings and hate crimes like assaults that are well -publicized). ■ The community is resilient in that economic downturns have been overcome. ■ The most vulnerable residents are put in the most vulnerable housing stock. ■ Recommended actions, such as Source of Income Ordinance, are not moved forward; perception that a few influential voices are typically heard and acted upon. ■ The City studies issues but doesn't always take action. ■ Imagine Dubuque was encouraging because so many people were involved. Focus Groups Input Themes The fifty-seven (57) focus group participants provided invaluable input. Barriers to fair housing choice shared were a wide and deep range, from affordability to living wages, perceived discriminatory treatment by City law enforcement, to ordinances and laws they believe are needed. Detailed notes from the focus groups are provided in the Appendix. Key Themes ■ Need for Increased Safe, Affordable Housing ■ Few Landlords Accept HCVs ■ Lowest Cost Housing is Substandard ■ Most in Need of Affordable Housing: Seniors, Persons with Disabilities, and Persons of Color ■ Inability to Purchase Housing, Build Wealth ■ Barriers to Renting: Arrests, Background Checks and Source of Income ■ Perceptions of Discrimination: Arrests, Nuisance Calls, and Evictions ■ Disparate Treatment of Discrimination: Rent to Own & Access to Financial Services (Home Loans) ■ Mobile Home Communities & Predatory Pricing ■ Students Learning is Negatively Impacted by Moves, Unstable Housing ■ Landlords Lack Empathy ■ Child Care Unavailable, Cannot Accept Employment ■ Inability to Locate Affordable Housing Impacts Health, Mental Health 16 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Stakeholders Input Race/Ethnicity & Segregation ■ Institutional racism is holding people back. ■ The neighborhoods and schools are segregated. ■ Economic class divisions in schools and segregation exist. ■ The community is comfortable with charity but not inclusion. ■ We don't really talk about race here. Housing Choice Voucher Program ■ There are simply not enough Housing Choice Vouchers to meet the need. ■ Too few landlords accept vouchers. Fair Housing Enforcement ■ The City is not tackling source of income, background checks, and fair housing enforcement in a way that eliminates bias and discrimination. ■ The City has not acted upon the last analysis of impediments in a meaningful way. ■ Discriminatory practices like redlining are occurring here which may explain the low rate of homeownership for people of color. ■ Evictions are happening frequently and there may be bias and/or discrimination at work. Generational Poverty/Economic Mobility ■ There is little access to traditional banking because the first line of providers is not welcoming. ■ Barriers to economic mobility include generational poverty, transient population, housing, transportation, childcare, artificially low wages, and the system itself is limiting people's movement from poverty to self-sufficiency. Minimum Wage & Employment ■ Women make a lot less than men and that is hurting all of us. ■ People are fixated on the low unemployment rate and the prevalent community viewpoint is that Dubuque "doesn't need more jobs, we have plenty of jobs, just not enough workers." ■ Opportunity Dubuque needs to be reviewed for how it attracts participants and how it includes people of color and women; are people getting and keeping jobs? ■ Minorities who complete training programs are still not being hired. City Ordinances ■ We need a Source of Income ordinance. Landlords won't accept vouchers; a Source of Income ordinance is critical to protect low-income residents. ■ We haven't seen movement on the last analysis of impediments related to ordinances we need in Dubuque. State Laws and Policies ■ Iowa does not allow anyone to get benefits unless born in the U.S. ■ The state passed a law that will not allow local governments to exceed the state minimum wage. Services Access and Array ■ Services exist but are hard to access and understand who to go to for what. ■ There are two 'deserts' happening: lack of child care and no full service grocery store for downtown residents. 17 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA • Too many points of entry and no coordination between nonprofits. • There is disconnect between programs like Opportunity Dubuque and First Time Homebuyer programs. Lead • There is very little diversity in community leadership. • A small minority of naysayers hold too much power, like the Landlords Association. • The City's initiatives seem more focused on 'looking good' than on doing the work of community transformation that's needed, especially around poverty and racism. • Women are not given chances to develop as leaders. • The community involvement in Imagine Dubuque was exciting. I just hope we take action. Community Survey Results The survey was posted on the City of Dubuque website and featured at the City Expo with available laptops to take the survey. It was available to take during the weeks of October 11th to October 29, 2019. A total of 328 people responded to the survey. Results of the survey are provided below. Open- ended comments are contained in the Appendix. Survey participant demographics: • The age range of respondents was evenly distributed among 18-34, 35-45, 46-55 and 56-69 years with an average of 22 percent each age cohort while 12 percent were 70 plus years. • The majority (59%) are female and 40% male. The vast majority (91%) report as White while 3.14% identify as Black or African American. Age Range Race Sex • • 0 • 18-34 • 35-45 • 46-55 • 56-69 • 70+ White • Black or African American • Other Figure 4 Communitywide Survey Participant Demographics • Female • Male • Unknown 18 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA �i camas kids �cutllfet r- s,i � things�ta� e9reetl`V recipireis� insti 3 ��Ghweg the ,,�-publiclob '►�1��soc�ety g.oft we!fare+l/J�cx �^�hke �_ alrea y,er_ tt� Glum Y �e yIrMf co -__ __Pr crest . _ ` �a� ones Fetes hirin9w ."e.Yccoa �m1:. hretrasportatinn nren[oringfjv becomntabity nch rmrrlbetter sty , s;"— sent t a*ry@iou} entitlemen#s Tak"� eetter able ,oVed �,.nn9� zt 'p increasedt° D�� f `r ,ten astamps 1/2 parents 04 Cr demamE 684V government m ay G �incentIPeeyde �oard�e � �, send p �„ et CDTeaeh-R�� mq;' ' QDubuque col helPh-erF�� pe Q eway + �9. 2°eg`emp ffe�Gra�c'a free teach (4, ,teicpect 8st ¢z� 0teasc . � mw�� ch7drem .p . Iarg�.*'learms(�,. I I R (�.klecks °fe+ 7 None wan p nonproductive iorward�QU51E I�faad Crjparentslguardiansworst pay Key Findings • Of poverty perceptions survey respondents 72 percent believe that poverty is a problem in Dubuque. One -quarter of them believe it is a "Large Problem." • Younger people (18-34 years) significantly differ among all other age groups (30% vs. 20%) that poverty is a "Large Problem" in Dubuque. • Survey -takers were given a list of eleven strategies to reduce poverty. They were asked to choose the top three that they felt would be most effective. The top three strategies: 1. Expand subsidized day care (45 percent) 2. More affordable housing (43 percent) 11 NEARLY 3 OUT 4 OF FOUR SURVEY RESPONDENTS BELIEVE THAT POVERTY IS A PROBLEM IN DUBUQUE 3. Better access to (physical and mental) health care (40 percent) and more workforce training programs (39 percent). • Respondents were also asked to what degree the following twelve factors lead to poverty. The following cites the ranking among those given a "Very High" and "High Degree" rating. The top two responses were poor mental health and substance abuse/addition, closely followed by low wages. • Survey participants were then invited to provide responses on "other" ways to reduce poverty in addition to the 12 suggested strategies. Comments are provided verbatim in the Appendix and over one-third indicate a negative perception of people in poverty and persons of color. Key words are captured in the word cloud image that follows. balances e [ /' e7, Tr 8asc f�J means Lt .A. roe trauma Employers ads e u ationresponsibilit'yy n— ,actors Traaong graduate wages Elimina#e, rather r Rnandalcorrtr�u�rg persevemnoe y ay syste"•' Imictem. Promoteredrstrbute strategies informed Comp.de u..e Figure 5 Wordcloud image summary of responses to "Other" Strategies 19 2019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA ■ Disparate impact (or discrimination) related to nuisance calls, arrests, and evictions ■ Lack of information about how to locate affordable housing (language barriers) ■ Potential redlining and other financial services practices Summary Fair Housing Impediments Barriers & Contributing Factors Laws, Ordinances & Administrative Policies ■ Substandard Housing ■ Affordable Housing ■ Discrimination (potential blanket denial for arrests and ■ Living/self-sufficiency wages and the gender pay gap ■ Negative perceptions regarding people of color and the poor convictions or "check the box") ■ No single point of entry and possible lack of coordination for services ■ Food and child care deserts ■ Lack of inclusion in decision - making and a community culture that is not inclusive ■ State legislation prohibiting local jurisdictions from raising the minimum wage ■ Source of Income Ordinance desired ■ Background check policies ■ Specific 'crisis' related to Mobile Home communities Potential Solutions Potential solutions are addressed through new fair housing goals and actions, as well as a continuation of several 2015 (and earlier) goals. Imagine Dubuque strategies and progress could be promoted in a more effective way (dashboard metrics, results that are easy to find and understand). Addressing the negative perceptions of people in poverty and people of color will be vital to creating a healthy quality of life for all in the community. It is anticipated that the Equitable Poverty Prevention Plan will recommend evidence -based and promising approaches. A few cost-effective approaches could begin immediately, such as: ■ Posting new videos monthly on the City website like those shared by Harvard Center on the Developing Child, organize events to play the "Resilience Game" designed to help communities positively respond to change, and share infographics like "What We Can Do About Toxic Stress." ■ City -sponsored showing of films on adverse childhood experiences and resilience (e.g. Resilience: The Biology of Stress & the Science of Hope at https://kpirfilms.co/resilience/) paired with community conversations. ■ City and community partners lead a Community Poverty Simulation (povertysimulation@communityaction.org) in order to: Promote Poverty Awareness Increase Understanding Inspire Local Change Transform Perspectives To begin addressing the gender pay gap, Dubuque might look to the City of Cincinnati. In 2015 Cincinnati became the seventh city to join the Convention on the Elimination of all Forms of Discrimination Against 20 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Women. One action step was evaluating city programs and budgets to ensure they effect women and men equitably. The City of Dubuque could consider a similar process, which for Cincinnati initially started with an ordinance and then a study of the internal gender equity disparities. The simplest way to positively impact the gender pay gap, however, is to raise the minimum wage for all people. See, e.g., Wage Growth for Low -Wage Workers Strongest in States with Minimum Wage Increases: Raising the federal minimum wage to $15 by 2024 would disproportionately raise pay for women. Although men make up a slightly larger share of the overall U.S. workforce, the majority of workers who would be affected by a raise to the federal minimum wage (57.9 percent) are women. Raising the federal minimum wage would also disproportionately benefit black workers because they are overrepresented among low - wage workers and are less likely to live in states or localities that have passed a minimum wage that is higher than the current federal minimum. As a result, increasing the minimum wage to $15 by 2024 would mean a pay increase for 38.1 percent of all black workers."' The City should examine survey takers' comments provided in the Appendix (a snapshot is also provided below). While not representative of all Dubuquers, over a third of the comments indicated what can be called negative perceptions of people in poverty; potential racial undertones are involved in some responses. One approach to shifting community perceptions is to increase the diversity of City staff, boards, commissions and other groups to catalyze a community culture shift. Further, addressing diversity and inclusion through continuing education of current elected leaders, landlords, and residents may be beneficial. Since race is a longstanding community concern, and within the context of the rise in white nationalist crime across the country, reaching young children is important. One resource for schools is Confronting White Nationalism in Schools: A Toolkit. Continuing community conversations, such as ones held by Fountain of Youth, would also be beneficial if conversation moves to meaningful action. Last, the City should consider improving its transparency through a real-time data dashboard on a simple set of equity measures and fair housing actions. Publishing actions and results routinely could help build greater trust in City government. Transparency may potentially diminish the perception that leadership is not taking action in an equitable and inclusive manner. Snapshot of Survey Respondents Comments Solutions to Poverty, Open -Ended Question Verbatim Responses Remove public housing and food stamps and poverty in Dubuque goes down. This will encourage people to get jobs. Employers all over Dubuque are already looking for workers. Send them back to Chicago. Have more checks and balances on the government programs that subsidize assistance to recipients. Drug testing, wellness checks, etc. Opportunities are available. Teach parents to teach their kids how to achieve a middle-class lifestyle. Until parents/guardians step up and instill work ethic in their children, poverty will persist. 21 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Give more to the working poor and less to those who do not want to work. Lack of personal accountability. Cut welfare. Stop making it easy!!! Eliminate entitlements and get to work. Cut assistance if they cannot pass a drug test Reduce the incentive to be nonproductive slugs. Reduce greed. Keep your pants on, both male and female. Teach people to live within their means. Make a job (they are out there), a requirement after so long on welfare. Still get assistance but they need to put in sweat equity like the rest of us. Take drug tests to get anything free. Get a job...or two. Make ends meet and become a contributing member of society instead of a drain on it. Crack down on the drug problem that is engulfing the US. It is the worst problem we as a nation face! Change the mentality of those already in poverty. Build a program that enables poverty-stricken people to learn how to better themselves, and move forward in life. Giving people more things doesn't do them any good, or the rest of society. Figure 6 Poverty Survey 2019 Responses (snapshot) 22 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA III. ASSESSMENT OF PAST GOALS This section examines Dubuque's past goals and the actions taken: ■ Seven fair housing goals were established in 2015. ■ Of those goals, there has been solid progress with respect to two goals. ■ Three additional recommendations from the past two analysis of impediments are discussed, one of which (transportation/transit improvements) has experienced progress. ■ A summary with potential solutions concludes this section. The City's Housing and Community Development Department's (HCD) serves as the Public Housing Authority (PHA) for the community. The City of Dubuque does not own and operate public housing. Instead, it administers the Section 8 Housing Choice Voucher Program, Mod -Rehab, Project Based Rental Assistance, and Special Needs Assistance Continuum of Care Program. It should be noted that the HCD experienced a leadership change within the last 2 years and that the Imagine Dubuque plan was created in 2017. The City, under Iowa law, maintains a Human Rights Commission (HRC) that is staffed by the City's Human Rights Department (HRD) that focuses on fair housing complaints intake and fair housing education. The HRD then refers formal complaints to the City Attorney's Office for investigation, part of fair housing enforcement activities. Context: Housing Choice Voucher Program The Housing and Community Development Act of 1974 created Section 8 rental assistance programs. Section 8, also referred to as the Housing Choice Voucher (HCV) program. Tenant -based vouchers are the process by which voucher recipients have the opportunity to find and receive help paying for rental housing on the private market. The City's HCD, as the Public Housing Authority, makes monthly housing assistance payments to landlords to help the voucher -holder households pay their rent each month. Participating households pay a minimum of 30% of their adjusted income for rent and utilities. According to the National Low Impact Housing Coalition, "for every 100 of the lowest -earning renter households in the country — those at or below the federal poverty line or 30 percent or less of the 23 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA median income in their area — there are only 37 available and affordable rental units."' Inadequate federal funding to meet the HCV need negatively impacts Dubuque residents too. Also a nationwide issue, relatively few landlords in Dubuque are willing to accept vouchers as rental applicants "source of income." In 2015, the City reported just 17% of property owners accepted HCVs; however, this data was found to be an unreliable assumption based on poor data. To obtain accurate data, the City of Dubuque passed an Ordinance January 22, 2019 that requires landlords report if and where they will accept HCVs in order to receive a rental license. The voucher program in Dubuque provides affordable housing options for low (<50%) AMI and very low income (<30%) households. Following HUD findings of discriminatory policies impacting African Americans, the City moved to a lottery -drawing system where applications are accepted monthly and applicants are put on a waitlist with the opportunity to have their application drawn. The City opened the waitlist for lottery drawing most recently in July 2019, and every month that followed. July 2019 was the first month the waiting list was reopened after being closed on February 2018. As of January 2019, the HCV waiting list was at 591. 2015 Fair Housing Goals: Progress & Action Goal 1. Create incentives to encourage affordable housing opportunities throughout the city. Progress has been made. The following information was provided by the City's Housing and Community Development Department (HCD) through a December 2018 report to the Source of Income Committee. HCD did not have an update to this information at the time of Al development. ■ As of December 2018, 425 new units were slated for approval and/or approved. ■ Three affordable housing developments proposed in 2018 are set to be completed in the next two years, an additional 137 affordable units will be available that accept Housing Choice Vouchers. Of those 137 units, 77 units are located outside an area of concentrated poverty. Of the 77 units, 52 will be added in census tract 101.04, which currently has no publicly assisted rental units. ■ There were six affordable housing projects approved by the City Council between 2013-2018 for an Urban Revitalization Area (URA) Designation in connection with an application to the State of Iowa for the LIHTC program. Note that there has been a focus on protected classes (seniors, the disabled) and other groups vulnerable to homelessness (Veterans). The expansion of affordable housing units combines for 102 units, of which 60 are senior apartments and 52 family affordable housing units. ■ New requirement that housing developers must accept Housing Choice Vouchers in conjunction with approval of an affordable housing development agreement. While the preceding data is derived from HCD's December 2018 SOI Committee Report, in October 2019, HCD proposed a policy change to the City Council whereby property owners participating the Lead & Healthy Homes and the Bee Branch & Healthy Homes programs will be required, for the term of the forgivable loan, for any funded unit, to give preference to low to moderate income families and accept 24 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA HCVs if the prospective tenant is otherwise qualified. Property owners will certify the above preference at specified intervals provided by the City and failure to comply will result in remaining balance of forgivable loan becoming due and payable on the date of notification of non-compliance. This proposed change is also to be included in the City's new Consolidated Plan. Imagine Dubuque includes a variety of strategies to expand housing: ■ Adopt and implement a mix of educational/outreach programs to increase housing provider participation in Housing Choice Voucher program. ■ Adopt and implement a mix of financial incentives/policies for creation of Housing Choice Voucher units throughout community. ■ Foster partnerships with private and non-profit housing developers to provide affordable, quality housing units. Suggestion: It would be beneficial for the City to be transparent about progress so that community members are not relying upon word-of-mouth for information. One solution is to report to the public on these increases, improvements, and progress toward fair housing goals through a website, a public - facing data dashboard, or other transparent method. Goal 2. Change rental licensing to require landlords to disclose number and exact location of units and willingness to accept vouchers. Action taken: The City's rental licensing process now requires landlords to report the number of units, in the structure, for which housing choice vouchers are accepted (pending codification: Title 14-1J-3 Rental Licenses). While data were not made available to researchers regarding the number of landlords who included this information on licensing applications, this step could produce positive results. Suggestion: Included in the 2019 fair housing plan is a specific targeting of landlords who do not currently accept HCVs for outreach and education, as well as consideration of implementation of national promising practices (see Summary to this section). It may also be helpful to understand where there are any issues with the City's administration of HCVs, such as payment processing delays, that affect landlords willingness to accept HCVs. Revisiting City policies and a Source of Income ordinance around HCVs and landlord participation is included in the 2019 fair housing plan as a continuation of goals from 2015, with additional recommendations that exposing data in a public -facing way (website, dashboard or other method) would not only inform the public but foster communication and trust. Goal 3. Expand human rights ordinance to include source of income. A local Source of Income component has not been incorporated into the human rights ordinance. Following HUD findings of policies that have a disparate impact and practices within Dubuque's HCV program, the City created a Source of Income (SOI) Committee. The SOI Committee studied this barrier to fair housing and ultimately recommended a rebranding of the HCV program, a collective impact approach to adopt and implement a mix of educational, outreach, and financial programs to increase housing provider participation in the HCV program. A SOI ordinance was, however, cited as in past fair housing goals and in the current Dubuque Human Rights Commission goals for 2018-2019. In the community engagement conducted to inform this AI, stakeholders raised their desire for a Source of Income Ordinance. 25 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Goal 4. Require that any city ordinance or policy that affects land use or housing must be submitted to the Human Rights Commission for comment. Action not taken. Goal 5. Amend human rights ordinance to define criminal offenses and the time that has elapsed since the commission of the crime that can be used to refuse housing. ■ Alternatively, Human Rights Commission could publish guidelines that would not be binding but would establish prima facie standards to determine what crimes are related to tenancy and how far back a housing provider may go in determining that a past offense has continuing relevance. The Human Rights Commission has not taken action. Please note that: "Most criminal records cannot be removed from a person's Iowa criminal history. However, as of January 1, 2016, a new law provides that, in cases resulting in either a dismissal or acquittal, the court can enter an order expunging the record of the case. This means that these records will no longer be accessible to the general public. However, it does not mean that a record of the case will cease to exist completely. It may remain on a special list available to the court, prosecutors and law enforcement. The defendant, the prosecutor, or the court itself may request to have this done. The following conditions must also be met: • All court costs and other financial obligations ordered by the court have been paid. • A minimum of 180 days has passed since the acquittal or dismissal (the court may waive this requirement if it finds good cause, such as identity theft or mistaken identity). • The case was not dismissed due the defendant being found not guilty by reason of insanity. • The defendant was not found to be incompetent to stand trial. The new law will apply to all criminal cases that occurred prior to, on, or after January 1, 2016. This means that as of the first of the year, persons can file a motion to have their record sealed in a case that occurred before the law went into effect. Going forward from that date, it will be the job of the court to inform the defendant at the time of the acquittal or dismissal of his or her right to have the record sealed."' Suggestion: Should the Dubuque's Human Rights Commission wish to pursue action on this past goal, it will likely want to work with the Housing and Community Development Department to incorporate information about expungement into fair housing education rather than addressing as an ordinance change. Goal 6. Audit background check program to ensure landlords are not violating fair housing laws. Action not taken. Included in the 2019 fair housing plan is the establishment of an independent testing program that identifies discrimination and disparate impact. As part of that program, the background checks process and results need to be analyzed. 26 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Goal 7. Establish a testing program in the city. Addressed to a limited extent. The City contracted with the Fair Housing Center of Nebraska to have 20 matched pair tests for race discrimination conducted. Eleven of the tests included the addition of HCV to the testing; 13 tests showed no evidence of discrimination and 7 were inconclusive, showing some difference in treatment but not enough to file an administrative charge with the Iowa Civil Rights Commission. The small independent test was a start. Creating an independent testing program, as mentioned above, is part of the 2019 fair housing plan. Although not stated as goals, additional recommendations in the 2015 Analysis of Impediments were considered in this five-year analysis: ■ Addressing concerns of community policing. ■ Addressing transportation concerns. ■ Addressing the need for periodic self-analysis. Addressing Concerns Of Community Policing. The City reports a variety of actions have been taken by its Police Department such as implementation of an "early warning system" as part of their data collection to catch any apparent disparate impact from a particular officer's actions. Further, there has been focus on diversifying the workforce and providing officer training around equity, inclusion, and emotional intelligence. However, stakeholders in focus groups raised the issue of disproportionate arrests of African Americans (about 10:1 white for males and 9:1 white for females) which in turn may impact fair housing choices; community participants and key stakeholders stated that arrest records alone — not conviction records — have been the basis for denial of rental applications. The City will want to analyze arrest data further, address drivers behind these disproportionate arrest rates, and implement action steps as deemed necessary. Further, stakeholders shared concerns about nuisance reports that HCD will want to explore further. In September 2016, HUD issued the new final harassment rule titled Quid Pro Quo and Hostile Environment Harassment and Liability for Discriminatory Housing Practices under the Fair Housing Act. The final rule specifies how HUD will evaluate claims of "hostile environment" and "quid pro quo" harassment in both private and publicly -assisted housing. HUD's Guidance on Application of Fair Housing Act Standards to the Enforcement of Local Nuisance and Crime -Free Housing Ordinances Against Victims of Domestic Violence, Other Crime Victims, and Others Who Require Police or Emergency Services is intended to inform state and local governments, as well as private and public housing providers, as to how HUD will assess nuisance or crime -free housing ordinances, policies, or practices alleged to be discriminatory under the Fair Housing Act. These local ordinances may be used to evict domestic violence survivors and others who seek police or emergency assistance.' The HCD reports that they had not heard concerns about nuisance reports and that most of nuisance calls are not related to policing but to housing health and safety issues. It is advisable that the City further explore stakeholders' comments and concerns. One approach HCD may wish to take, in partnership with City law enforcement, is to bring together a group of lived -experience stakeholders to gain further insights. 27 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA As part of the 2019 fair housing plan, a priority action item is to analyze arrest rates by race and ethnicity, detailing metrics and actions to reduce disproportionate rates. Likewise, HCD may also analyze nuisance reports data and if indicated, data -driven action can be taken. Approaching systemic issues and providing continuing education will be beneficial. Public transparency in this area will be especially important to help build greater community trust and positively impact fair housing choice. Addressing The Need For Periodic Self -Analysis. In the past AI, it was strongly suggested that an independent audit or review of the Human Rights Commission's functioning and effectiveness be conducted. This suggestion is included in the 2019 fair housing actions and importantly, an independent review will want to take a human -centered design approach, meaning, ask community residents how they want to make reports, attend HRC meetings, and give feedback routinely to the HRC on how effectively it is performing. Although HRC action was not reported, the HCD does a self-analysis quarterly with a dedicated equity group in the department. Other equity teams meet monthly focusing on specific areas to implement and evaluate programs, policies and service. There is one group specifically dedicated to data that is needed to ensure equitable outcomes and analyzing that data once collected. The entire HCD also meets weekly just to train on equity and to discuss any issues that have come to the City's attention through our equity groups or the public. The City's Human Rights Department (HRD) does report that they are working with departments to apply an equity lens to their services, programs, policies, practices but are in the very early stages of implementation. Training with other departments (Police, City Manager's Office, Human Resources and Planning Services) on fair housing is occurring; the HRD is striving to get to a point where they are analyzing who is and is not better off as a result of how they are doing their work. This is a positive step and Fair Housing training with City personnel offers a vital chance for self-analysis. Analyzing post - training evaluations, comments made during the session(s), and external trainers' assessment of the City audience would be beneficial. In sum, it appears that City staff would be aided by the establishment of equity/fair housing metrics and technologies that reduce manual tracking and report creation. With the right tools, staff can focus more on progressive actions, transparency, and enhancing information sharing that builds community trust. Addressing Transportation Concerns. Transit services and public transportation have been improved since the 2015 Analysis of Impediments. The City reports that over the past 5 years, the public transportation system has been expanded to increase accessibility for individuals with disabilities and low income populations. Routes have been changed and "The Jule," public transit, offers fixed route bus and door-to-door paratransit mini -bus service throughout the City. However, stakeholders report that transportation is more difficult for households who are unable to utilize an individual automobile to get to a full service grocery story from "the Flats" and the Washington Neighborhood, for instance, or to Peosta where a branch of Northeast Iowa Community College is located. This is issue is discussed in Section VII: Access to Opportunity. 28 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Summary & Potential Solutions Imagine Dubuque strategies and City actions to expand affordable housing options constitute progress. However, as seen in this assessment of past goals, focused action was not taken on several goals. In particular, community calls for a Source of Income Ordinance and greater fair housing enforcement activities constitute a call for renewed energy to affirmatively further fair housing. A chief impediment, Source of Income, is a term that springs from the practice of landlords requesting an identifying source of income to pay rent prior to leasing an apartment. This is a nationwide impediment to fair housing choice. Yet for residents needing affordable housing, that is little comfort. Nationwide, local jurisdictions have passed ordinances, referred to as source -of -income protections. These ordinances make it illegal for landlords to discriminate against voucher holders. Examples include nearby communities like Iowa City, IA and Champaign, IL. Despite local and national calls for protections by fair housing advocates, the American Bar Association's resolution in 2017,x'' and the introduction of federal legislation in 2018,x' currently, only 1 in 3 HCV holders are protected. Notably, the Washington State Legislature banned source of income discrimination statewide in 2018. The enacted legislation may be reviewed at House Bill 2578. In February this year, HUD released a Landlord Participation Study. The purpose of the study was to identify factors influencing landlord decisions about whether to participate in the HCV program and identify promising and innovative practices to increasing landlord participation. The study, focused largely on large metropolitan cities, found that the most common method for incentivizing landlord participation is increasing payment standards. (Please note that Dubuque's HCD reports that the payment standards in the city are in line with average rent rates.) Promising alternatives to source of income ordinances being tested across the country include: ■ Helping tenants pay security deposits or negotiating other arrangements regarding damages. ■ Offering bonuses to landlords for joining the program. ■ Making it easier to complete administrative steps and communicate with the Public Housing Authority. ■ Using an array of strategies to change negative views of tenants, most of which are based on strengthening communication and building relationships between landlords and tenants. For example, the most evidence -based activity for overcoming negative stereotypes is the District of Columbia Housing Authority's "Meet -and -Lease event" model, in which PHAs bring landlords and tenants together to facilitate lease -ups. ■ Assessing the feasibility of implementing promising models such as King County, Washington's "Landlord Liaison Project" is another alternative to a source of income ordinance. This is a cross collaborative effort between the Seattle Metropolitan Chamber of Commerce, King County, and the City of Seattle. The King County Housing Authority staffs three Owner Liaisons who build relationships with new partners and strengthens existing partnerships with landlords to encourage participation in the HCV Program.' Landlords' unwillingness to accept HCVs and the concept of a Source of Income ordinance should be explored again. If an ordinance cannot be proposed due to lack of political feasibility, or is proposed and rejected, the City's needs to be transparent about what actions it can take. For example, publication of 29 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA results of education and outreach efforts, or the testing of promising alternative approaches seen nationwide. Transparency about actions is strongly encouraged and with dashboard and website technologies inexpensive, data can be pushed out to the public in a relatively cost effective manner. This, and other actions such as advocacy for a state law that makes source of income (SOI) a protected class, are included in the fair housing plan. To support improved progress, tracking and reporting, the City is strongly encouraged to take the 2019 fair housing goals and create action plans using SMART criteria (specific, measurable, achievable, relevant, timebound), or some other effective method for tracking metrics and assessing progress. Putting metrics and technological tools in the hands of City staff would be extremely helpful so that manual counts and gap analyses between the overwhelming number of plans and reports is made easier. National Advocacy Agenda The 50th anniversary of the Fair Housing Act was celebrated in 2018. A leading advocacy group, the National Low Income Housing Coalition, called for next steps: • We must hold HUD accountable for enforcing fair housing policies by providing public comment on changes to their policies and bringing them to court if warranted. • We must improve access to credit and fight for stronger consumer protections, especially for people of color and low income individuals. It is unacceptable that in 2018 individuals still face discrimination when they try to get loans from banks or apply for housing. • We must update the Fair Housing Act to provide legal protection against discrimination based on sexual orientation, gender identity, marital status, source of income, veteran status, domestic violence survivor status, or criminal record. • We must continue to collect data and establish clear goals to determine if we are making progress in ending housing discrimination and segregation. "Fair Housing Overview and Challenges" October 23, 2018 Source: https://nlihc.org/resource/fair-housing-act-overview-and-challenges 30 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA IV. FAIR HOUSING ACTIVITIES This section describes the City of Dubuque's fair housing activities and provides suggested ways to strengthen fair housing activities in Dubuque. ■ Complaints & Hate Incidents ■ Lawsuits ■ Inspections ■ Resources/Materials Under Iowa law, a city with a population of twenty-nine thousand, or greater, must maintain an independent local civil rights agency or commission. As a qualifying community, the City of Dubuque's Human Rights Commission (HRC), comprised of 9 members appointed by the City Council to 3-year terms, holds the powers and duties that are detailed in Title 8 Dubuque Code of Ordinance. The City's fair housing ordinances comport to the ICRA provisions, per Section 8-2-12. The City of Dubuque's Human Rights Department (HRD) reports to HUD on VCA actions, staffs the Human Rights Commission, and is responsible for enforcing City ordinances that include fair housing reports and complaints. The HRD forwards formal complaints to the Dubuque City Attorney's Office for investigation. The HRC sees its role as one of education with the City Attorney's Office providing investigation and enforcement. Fair Housing Complaints From January 1, 2015 to October 8, 2019, Human Rights Commission/Human Rights Department reports that in roughly four years there were the 222 fair housing intakes of complaints, of which 55% involved Race and 22% involved Disabilities; intakes could involve more than one issue. In nearly five years, a total of 18 complaints moved to formal complaint stage. 31 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA City of Dubuque Fair Housing Complaints: Jan 1, 2015 to October 8, 2019 Total Intakes: 222 Intakes w/bias identified: 108 Moved to Formal Complaint: 18 Breakdown of Formal Complaints Basis of Complaint Note: Some complaints may involve more than one issue. Formal Housing Complaint Number by Basis Percentage by Basis of Complaint Disability 4 22% Race 10 55% Gender Identity 1 5% Age 1 5% Religion 1 5% Sex 2 11% Retaliation 1 5% Sexual Orientation 2 11% Resolution Status of Formal Complaints Formal Complaint by # Percentage Breakdown Administrative Closure 11 61% Referred 3 17% Backlogged for Investigation 4 22% Action Taken Breakdown by # Percentage Breakdown (More than one action may have been taken per intake.) Intake Identified Bias 108 49% Housing Intakes Referred to either the Landlord or for Housing Inspection 75 8% Referred to Legal Services 45 60% Referred to Housing for Inspections or questions related to HCV 17 23% Referred to both Legal Services and Housing 13 17% Fieure 7 Fair Housine Complaints Source: City of Dubuaue Human Riehts Department Hate Incidents The Human Rights Commission reported the following data for the past two years: ■ 8 of 12 were regarding Race/Color; ■ Nearly half were about social media posts (i.e. Facebook); • Graffiti in the city was reported four times; and, 32 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA ■ The HRC's primary response was educational sessions, four of the responses including writing opinion editorials. Lawsuits More than 40 tenants filed suit against a pair of Dubuque landlords (Greg and Bridget Prehm) in October 2018, claiming multiple clauses in the lease agreements they signed with the Prehms' company were illegal. Specifically, the class of tenants alleged that the lease terms violated Iowa's Uniform Residential Landlord Tenant Act. Lease terms included, but were not limited to exempting the landlords from housing and building code mandates requiring residences be kept fit and habitable, and allowing the landlords to create liens on household goods, withhold security deposits in bad faith, and hold tenants liable for damages in excess of what is allowed by law. At the time the suit was filed, the Prehms had about 180 rental units in more than 90 properties in Dubuque, and used at least 17 different business names or LLCs. In July 2019, a Dubuque County judge ruled 19 provisions that the rental company made tenants sign were unlawful. In November 2019, the Prehms agreed to pay nearly $30,000 in order to settle the class- action lawsuit over the use of an illegal lease agreement. Further, the Prehms will pay $23,000 in attorney fees incurred by the named plaintiffs in the suit; the agreement is pending approval by the court. The settlement prohibits the Prehms from increasing rents of current tenants for one year, allows those tenants to demand new, lawful leases and puts landlords who rely on predatory lease agreements "on notice," according to attorney Sam Wooden who represented the plaintiffs.x" Housing Inspections In 2016 the City adopted the International Property Maintenance Code (IPMC), a three -tiered process to increase inspections and licensing, and in June 2019, HCD reported to the City Council that 654 structures have been identified that are not yet licensed, with 95% of housing units failing first inspection and 62% failing re -inspection. Fair Housing Resources/Materials A robust set of fair housing fact sheets are offered via the City's website involving a variety of issues such as advertising, disabilities, hate crimes and harassment, and more. An online complaint form is also provided. Materials are somewhat dated in appearance, largely in English, and somewhat difficult to find. The City's website is currently being updated, offering an ideal chance to review the full set of fair housing resources provided and the languages used. Many nonprofits in Dubuque provide fair housing resources and connections, chief of which are Iowa Legal Aid and the local chapter of the NAACP —Friends of Fair Housing. Summary & Potential Solutions The need to improve and build capacity of the HRC were recommendations in past Als. The HRC is building its capacity as a resource and Iowa Legal Aid also received a grant to focus on fair housing issues. 33 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Stakeholders during this Al development provided input regarding the HRC: ■ Hold HRC meetings within neighborhoods of the community; ■ Provide reports on fair housing trainings and other activities in real-time as part of a set of equity metrics; ■ Develop approaches so that residents can easily report complaints in person; ■ Increase anti -discrimination and inclusion activities; and ■ Improve fair housing enforcement, reporting efforts to the public transparently. HCD reports that these stakeholder suggestions have been or are being addressed as part of HRC capacity building efforts. The 2019 proposed fair housing plan includes the recommended action, "Conduct an assessment of HRC and support capacity building efforts, including publication of a strategic plan." An external assessment, creating a multi -year strategic plan, and publicizing HRCs capacity building efforts will support the progress underway. Currently, the City is working on a review and updating of the content on its official website. This provides an opportunity to review and update fair housing materials to ensure languages spoken in the community. For instance, more fact sheets in languages other English would be highly beneficial for the community —during this Al research, just one fact sheet in Spanish was located on the City's website. It would be cost-effective to simply use effective materials that other entities have available, such as the Iowa Human Rights Commission, or adapt materials that other cities use. It would also be helpful for fair housing materials to be tested with lived -experience consumers for value, redesign, languages needed, and website placement. Other critical work involves the gathering of eviction data and analysis of those affected. Researchers, through the City Attorney's Office, made a FOIA request to the county court but that data was not received in time to be included in this Al. Because evictions are a nationwide problem, the City of Dubuque will want to analyze jurisdictional data and determine action steps that should be taken if indicated. 34 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA V. DEMOGRAPHICS This section provides a look at demographics trends and analyzes the interplay between demographics and housing. ■ Population ■ Race & Ethnicity ■ Age ■ Sex ■ National Origin ■ Persons With Limited English Proficiency ■ Familial Status ■ Disability ■ Other Vulnerable Populations ■ Poverty ■ Educational Attainment ■ Employment Population Trends The most significant changes: ■ Population Decline. Dubuque's population rose and fell between 2010 and 2018 with a total net loss of 326 residents per ACS 5-year estimates (2013 — 2017). This is in contrast to overall growth in Iowa's population of 4%. ■ Net Increase of Racial/Ethnic Diversity. Between Census 2010 and ACS 5-year estimates there was a net increase of 929 persons of color; there was a loss of 96 Hispanics. Of the net increase, the largest rise is in persons identifying as Two or More Races, a population that is predominantly children under 18. 35 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA City of Dubuque, IA Population 59,000 58,486 58,573 58,602 58,500 58,163 58,287 58,267 57,907 58,000 57,688 57,941 2016 2017 2018 Figure 8 City of Dubuque Population Change Over Time 2010-2018 Race & Ethnicity Dubuque's population is predominately White non -Hispanic. There has been only a slight gain (1.1 percent) in diversity from 2010. Outside of Black or African Americans and Hispanic or Latino populations, no other segment comprises more than 2% of the total population. Notably there is a rise in diversity of children: • For children aged 18 and under, the white population is 82.6% with 8.4 percent African American, an estimated 6% two or more races, and 3 percent are Hispanic. • This change in race/ethnicity among Dubuque is significantly lower than racial/ethnic diversity in the U.S. According to the U.S. Department of Education's National Center for Education Statistics, in fall 2019 children from racial and ethnic minority groups were projected to make up 52.9% of public K-12 students in the nation. The City previously studied the impact of greater diversity and neighborhood poverty on schools and student outcomes. It is anticipated the Equitable Poverty Prevention Plan will provide additional insights and strategies. Demographic Change: Race & Ethnicity 2010 Census 2017 ACS Estimates White 52,007 92.5% 51,949 90.6% BIa MEW 4.0% 2,539 4.4% American Indian 123 .2% 25 0.0% Asian 652 1.2% 864 1.5% Native Hawaiian & Pacific Islander 266 .5% 357 .6% Other 38 .1% 122 .2% Two or More Races A 912 1.6% 1,267 2.2% Hispanic 1,383 2.4% 1,287 2.2% Figure 9 US Census Bureau American Community Survey 5-Year Estimates 2013-2017 36 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA African Americans in Dubuque African Americans in Dubuque, while a small percent of the overall population, are the largest community of color and 60.1% live in poverty. Having a lower income decreases a household's ability to prepare a financial foundation for long-term stability. In terms of median net worth nationwide, "White households are about 13 times as wealthy as black households — a gap that has grown wider since the Great Recession."X' The following mapping shows concentrations of poverty in the city for African Americans. As The Pew Charitable Trusts' Economic Mobility national study found, "Neighborhood poverty alone accounts for a greater portion of the black -white downward mobility gap than the effects of parental education, occupation, labor force participation, and a range of other family characteristics combined."x' Map Legend Low Income Households 0-15.70% 15.70-26.71% 26.71-39.09% 39.09-54.18% >54.18% Black or African American alone Hispanic} b 0-4.89% 4.89-13.33% 13.33-27. 82 % 27.82-53.08% > 53.08% Figure 10 Low Income Black or African American Alone Population Source: ACS 2017 5-Year Estimates, HUD CPD Maps Age Historically in the U.S., with age came homeownership of detached single family homes —for whites. Federal to local policies long promoted restrictive zoning that resulted in segregation and the intergenerational transfer of wealth for white Americans. 37 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Today, the widening gap between income and home value combines with scarcity of housing to make homeownership for younger populations increasingly unlikely. Millennials are challenged like no previous generation. An interesting compilation of studies published by Debt.com (Gregory Cox, August 13, 2019) calls out four primary nationwide reasons that Millennials are unable to purchase homes: 1. Student Loan Debt. The latest data from the Federal Reserve shows that from 2005 to 2014 the average student loan debt per person ages 24-32 doubled. 2. Low Housing Inventory. Last year, inventory was down 20 percent from the previous year. 3. Rising Home Prices. Home prices rose by 8 percent last year. (Home values rose in Dubuque from $133,400 to $135,800 between 2016 and 2017.) 4. Delaying Marriage. After accounting for age, income, education, and ethnicity — marriage heightens the chances of becoming a homeowner by 18 percent. For the Boomer generation, housing needs change because with age often comes disabilities and thus the need for housing modifications. And for families with school aged children, living near a quality school can be important. According to a growing body of research, walkability is becoming a key priority for all age groups. This context impacts Dubuque, where the Key Demographic Changes are: ■ The median age decreased from 38.5 years (2012) to 37.1 years (2017), younger than the national median age of 38.2 years. ■ The largest segment of the population, 14.5%, is age 25 to 34 years. 16.06 14.0% 12.0% O ▪ 8.0% ▪ 6.0% 4.0% 2.0% 0.0% AGE 2017 0 Under 5to9 10w 1510 a) lo 2Sio 35io 45to 55to 60to 65to 75to 85 5years years 14years 19years 24years 54years 44years 54years 59years 64years J4years 84 years years and over Figure 11 Age & Sex as Percentage of Population. Source: Census Bureau Sex Key demographic trends in Dubuque by Sex include: ■ Females are the majority of Dubuque residents at over 51% of the population. 38 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA ■ Females account for 60.7% of the population of 65 years and over. ■ Females make up a greater share of the community's poor (17.7% female, 14.7% male) even though the highest rate of poverty is seen in males ages 18 to 24. A total of 794 Dubuque Females over 75 live in poverty. Poverty by Age & Sex 10% 8% — w 6%.. 4% 2% U% 5 5 6-11 12-14 16 16-17 18-24 25-34 35-44 45-54 55-64 65 ■ Female ■ Male 2013 2014 2015 2016 Figure 12 Source: Data USA Dubuque Profile at https://datausa.io/profile/geo/dubuque-ia#housing Importantly, with greater life expectancy for women, senior women are becoming at greater risk of homelessness in Dubuque. This is due in part of the lifelong gender pay gap, less Social Security benefits, and other factors. Community Participants anecdotally reported an increase in senior women in shelters. However, recent approved development projects (discussed in Section III Assessment of Past Goals), show that there is intentional expansion of affordable housing for seniors. National Origin An estimated 97.1 percent of the people living in Dubuque are U.S. natives and 98.4% are U.S. citizens, which is higher than the national percentage. The median age of foreign -born residents is 34 years and native-born is 37 years. Key Data: ■ Sixty-nine percent of the City's population is living in the state where they were born and 27% were born in other states. ■ Foreign -born residents of Dubuque come from different parts of the world with a third of all foreign -born residents arriving since 2010. ■ Dubuque residents from Oceania increased as a percentage from 1.7% to 12.3% for the same period. Notably, some U.S. cities have studied the economic impact of 'outsiders' and immigrants. For instance, St. Louis is well known for being a hermetic city where the first question that's asked is, "where did you 39 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA go to high school?" A report, The Economic Impact of Immigration in St. Louis, argued that the reason the St. Louis region had fallen behind other big U.S. cities was its strikingly low rate of immigration. (Straus, 2012.) That grabbed city leaders' attention. Also attention getting was the fact that cities like Nashville, TN and Louisville, KY had launched broad campaigns to better integrate immigrants into the business community, and both Cleveland and Philadelphia had established immigrant resource centers designed to ease the transitions of newcomers. Although Dubuque is a much smaller city, it could similarly consider ways in which a decline in population can be reversed by attracting immigrants and others considered 'outsiders.' It should be noted that the influx of Marshall Islanders has brought new diversity to the Dubuque community. Recently (2018), HCD outreach was conducted with the Marshall Island population in Dubuque regarding home buying. This is a positive step that HCD will want to expand if residents found it to be valuable. Key Takeaway Where Dubuque's foreign -born population originates from has changed: CP02: COMPARATIVE SOCIAL CHARACTERISTICS IN THE UNITED STATES Dubuque city, Iowa 2013-2017 American Community Survey 5-Year Estimates 2013-2017 Estimates 2008-2012 Estimates WORLD REGION OF BIRTH OF FOREIGN BORN Foreign -born population, excluding population born at sea 1,700 1,445 Europe 14.8% 23.0% Asia 44.5% 54.3% Africa 7.0% 4.5% Oceania 12.3% 1.7% Latin America 18.4% 11.5% Northern America 3.0% 5.1% Figure 13 World Region of Birth of Foreign Born Residents. Source: ACS 2017 5-Year Estimates, Census Bureau Ensuring that fair housing resources, homebuyer outreach, and City efforts around affordable housing are culturally and linguistically appropriate is vital to inclusion of these newcomers. It also would benefit the City to assess why it's had a significant loss of Hispanic residents if that is unclear. Persons with Limited English Proficiency The vast majority of Dubuque residents, 95.8 percent, speak only English. An estimated 0.5 percent of the population speaks Other Asian and Pacific Island languages at home, followed by 0.4 percent Chinese speakers while at home. Key Data: ■ Within LEP households nearly half (47.6%) speak Asian and Pacific Island languages at home. ■ Following English, Spanish is the second most common language spoken at home by Dubuque residents 2.4% of households or 1.6% of the total population. 40 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA ■ Language demographics have remained virtually unchanged between 2012 and 2017. A 0.5% decrease in the number of residents speaking English -only was observed. • Fair Housing materials on the City's website are all in English with the exception of one in Spanish. Familial Status "Familial status" refers to the presence of at least one child under 18 years old, and also protects prospects and tenants who are pregnant or in the process of adopting a child. More than 6,500 (27.4%) households fit this profile in City of Dubuque. Families and Households with Children S1101: HOUSEHOLDS AND FAMILIES 2013-2017 American Community Survey 5-Year Estimates Dubuque, Iowa Total Married- couple family household Male householder, no spouse present, family household Female householder, no spouse present, family household Non - family household Estimate Estimate Estimate Estimate Estimate Total households 23,974 10,538 1,066 2,635 9,735 Average household size 2.27 2.92 3.08 3.01 1.27 FAMILIES Total families 14,239 10,538 1,066 2,635 (X) Average family size 2.86 2.90 2.68 2.80 (X) SELECTED HOUSEHOLDS BY TYPE Households with one or more people under 18 years 27.4% 37.2% 72.9% 69.3% 0.4% Households with one or more people 60 years and over 37.2% 38.3% 22.0% 24.0% 41.4% Householder living alone 32.6% (X) (X) (X) 80.3% 65 years and over 11.8% (X) (X) (X) 29.0% UNMARRIED -PARTNER HOUSEHOLDS Same sex 0.0% (X) (X) (X) (X) Opposite sex 6.7% (X) (X) (X) (X) Figure 14 Households and Families. Source: ACS 2017 5-Year Estimates, Census Bureau 41 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Disability The Census Bureau defines "disability" as a lasting physical, mental, or emotional condition that makes it difficult for a person to conduct daily activities or impedes her from being able to go outside the home alone or to work. Among the civilian noninstitutionalized population 12.8% percent reported a disability. The disability rate for females was 14 percent, compared to 11.5 percent for males. The likelihood of having a disability varies significantly by age. As is generally the case, adults aged 75 and older have the highest rate (46.6 percent) of disabilities, something for Dubuque to continually assess as Boomers in the community age. Key Data: • More than 3,000 residents (across all age groups) reported a disability. • In terms of disabilities by type Ambulatory (6.6 percent) followed by Cognitive (5.3 percent) and Independent Living (5.3 percent) are the most common. • The disability rate for females was 14 percent, compared to 11.5 percent for males. • 29.8 percent (944) of Dubuque's veterans reported a disability. Disabity by Type - All Ages • With a hearing difficulty • With a cognitive difficulty • With a self -care difficulty Figure 15 Count of Disability by Type (all ages) • With a vision difficulty • With an ambulatory difficulty • With an independent living difficulty From January through April of 2019, the Iowa Finance Authority conducted a telephone survey with rental property managers throughout Iowa; about 40% of Dubuque landlords responded. The findings regarding Dubuque and rental unit accessibility included that of single-family units a reported 6.5% are accessible, 13.8% of apartment units are accessible, and one Mobile Home was reported accessible by 42 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA the property manager. The City can take administrative policy steps to ensure accessibility is part of the review of housing development proposals prior to approval. Additional Iowa Protected Class Members and Other Vulnerable Populations Under Iowa law, projected classes include Sexual Orientation and Gender Identity. Members of these protected classes and other vulnerable populations should also be acknowledged as City of Dubuque residents likely to face greater challenges in securing safe, stable and affordable housing. In particular, Dubuque is making progress to address the affordable housing needs of Veterans. Veterans Dubuque is home to 3,425 veterans of whom 1,881 are age 65 years or over and 195 are female Veterans. 'Veterans are far more likely to experience homelessness than other Americans, in part because of their high rates of posttraumatic stress disorder, physical injuries and disabilities, and other factors that make reintegrating into civilian life and employment difficult.'"' According to HUD, 13 percent of all homeless adults are veterans. Key Data: ■ The majority (1,115) of Dubuque's veterans served in Vietnam. ■ Dubuque is also home to veterans who saw action in the First (476) and Second (529) Gulf Wars, Korea (463), and World War II (191). ■ More than one in four veterans (28.9%) has a disability which is a significantly higher rate than the total civilian noninstitutionalized population with disability of 12.8%. Recent approved development projects (discussed briefly in Assessment of Past Goals section), show that there is intentional expansion of affordable housing for Veterans. This is a positive step for Veterans in the community. Homeless High housing costs, low vacancy rates for affordable housing, and poor quality housing are most associated with instability and increased risk of homelessness. Single female head of households are more likely to be cost -burdened; many individuals and families in the City of Dubuque may sleep in temporary arrangements (on the floors or couches of friends and family) due to the high cost burden and low availability of affordable housing. Stakeholders report that Marshall Islanders often join other family members, making for crowded conditions. The City has eight organizations providing access to emergency and transitional shelter services. Some of these organizations serve specific populations, such as pregnant women and victims of domestic violence. The bed capacity for these organizations is 167 and 116 persons were sheltered. Hope House, Dubuque Rescue Mission, and Hillcrest Family Services were at full or over capacity at the time of the survey. These organizations serve men and families, representing high need in the community. Overall, during the January 2019 point -in -time homeless count 69% of the available beds were full. Programs with vacancies on the day of the survey included: Dubuque Rescue Mission Transitional, Teresa Shelter (Emergency), the Dubuque Community Y Domestic Violence Program, Maria House, Mary's Inn (pregnant women), Francis Apartments, and Almost Home. 43 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA The homeless population, while not a protected class per se, is often disproportionately comprised of persons of color. While the Consolidated Plan provides more information about homeless and the Continuum of Care, as part of the Al development a focus group was held with homeless women. Stakeholders talked about shelter age limits resulting in families not being able to stay together. Women discussed that the lack of child care and inability to pay for care had caused them to turn down jobs. In another focus group, the issue of the rising number of elderly women in poverty was emphasized. The Equitable Poverty Prevention Plan research will look at homelessness and offer suggestions for strengthening how Dubuque can effectively serve this vulnerable population. Poverty The Dubuque City Council has made the Equitable Poverty Prevention study and plan a top priority for 2020. The City is concerned about its level of poverty and thus little of what follows is 'new' news. To reduce duplication of effort and information shared, this Al narrowly focuses on key data and does not offer suggestions for reducing poverty in Dubuque. The latest data show that poverty has risen in Dubuque from 9.5% in 2000 to 16.3% in 2017. Nearly 9,000 residents of Dubuque live below the poverty level which is higher than the national rate of 12.3%. Key Findings: ■ Females in Dubuque experience poverty at a greater rate (17.1%) than males (14.7%). ■ Black or African American residents represent 5% of Dubuque's population and experience a significantly larger degree of poverty; among the African American community 60.1% live in poverty. ■ More than 3,000 residents could be considered as 'working poor' with 2.7% who worked full- time, year-round and 24.0% who worked part-time or part -year in the past 12 months still living in poverty. ■ Dubuque's youngest residents are severely impacted by poverty with nearly 30% of the children under 11 making up over half the Dubuquers living in poverty. ■ Dubuque's seniors age 75 and older make up 43% of the residents living in poverty. As the City is acutely aware, the poverty rate for the community's protected classes and most vulnerable residents requires action. The need for safe, affordable housing increases with the rise of poverty. Specific aspects of the population, such as seniors, demand greater attention to ensuring there is accessible housing. Dubuque's poverty rate and lower median income impacts whether Dubuquers own or rent a home. Homeownership in the United States has long been considered part of the 'American Dream' and a pathway to intergenerational wealth. Persons of color and females are more likely to live in poverty in Dubuque. 44 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Poverty by Location in Dubuque Families:Income Be [ow Poverty Level ACS 2917 15-Year Estimates] ngo a 118 Huy 14 1 mi Sagevilla 101.05 D`559"5 (315ocislEnplorer Inc East Dubuque -L Figure 16 Family Households Living Below Poverty Level. Source: ACS 2017 5-Year Estimates, Social Explorer 5512 Legend Af Dubuque, IA 202 hm &dent Gala 0% to 1% 1% to 5% 5% to 10% 10% to 15% 15% to 20% 20% to 25% 25% to 30% 30% to 40% 40% to 50% 50% to 75% 75% As a result of higher rates of poverty and lower median incomes, most persons of color are renters in Dubuque; whites own 98.4% of the total owner occupied housing units. Owner v. Renter Occupied Housing Units by Race & Ethnicity ACS 5-Year Estimates 2017 Owner Occupied Estimate Owner Occupied % Estimate Renter Occupied Estimate Renter Occupied Estimate Occupied housing units 15,175 15,175 8,799 8,799 RACE AND HISPANIC OR LATINO ORIGIN OF HOUSEHOLDER One race -- White 14,926 98.4% 7,366 83.7% Black or African American 63 0.4% 722 8.2% American Indian and Alaska Native 0 0.0% 5 0.1% 45 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Asian 88 0.6% 289 3.3% Native Hawaiian and 12 0.1% 97 1.1% Other Pacific Islander Some other race 6 0.0% 52 0.6% Two or more races 80 0.5% 268 3.0% Hispanic or Latino origin 99 0.7% 281 3.2% White alone, not Hispanic or Latino 14,842 97.8% 7,158 81.4% Figure 17 ACS 2017 5-Year Estimates, U.S. Census Bureau ACS data clearly shows areas with higher concentrations of families living in poverty, unsurprisingly including the census tracts in east Dubuque, colloquially called 'The Flats' which has: ■ Poverty rates of over 30% ■ Unemployment ranging from 6 to 10 percent, • Median Household Income at $23,814. ■ Low income households with severe house burden over 35% • Moderate Income households with severe house burden 34% Educational Attainment Education is fundamental to sustainable development, contributes to individual's economic status and impacts where they live. A snapshot of Dubuquers shows that: • 93.2% of households in City of Dubuque had a high school education. ■ The majority (nearly 62%) of Dubuquers have educational attainment beyond high school. ■ 20.49% have some college, and 30.5% have bachelor's degrees and above. ■ Dubuque students perform better at 88.95% than the national average of 84.6 percent. However, the rate has declined slightly year over year since 2013-2017. ■ English Language learners experience significantly higher high-school drop -out rates 52.38%. ■ Dubuque's post -secondary education level is lower than national levels. According to the Census Bureau (2017) 33.4% of Americans 25 or older had earned a bachelor's degree. Educational Attainment Levels in Dubuque DP02: SELECTED SOCIAL CHARACTERISTICS IN THE UNITED STATES Dubuque city, Iowa 2013-2017 American Community Survey 5-Year Estimates Estimate Percent College or graduate school 5,969 38.7% EDUCATIONAL ATTAINMENT Population 25 years and over 38,897 38,897 Less than 9th grade 802 2.1% 9th to 12th grade, no diploma 2,516 6.5% High school graduate (includes GED) 12,601 32.4% 46 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Some college, no degree 7,969 20.5% Associate's degree 3,133 8.1% Bachelor's degree 7,687 19.8% Graduate or professional degree 4,189 10.8% Percent high school graduate or higher (X) 91.5% Percent bachelor's degree or higher (X) 30.5% Figure 18 Educational Attainment. Source: ACS 2017 5-Year Estimates, Census Bureau In the recent 2019 Washington Neighborhood Market Analysis report, Teska Associates, Inc. noted that education levels in that revitalization area have improved with adults over age 25 without a high school degree or equivalent declining from 28% to 17%, while adults with college degrees have increased from 9% to 13%. (August 27, 2019, City Council Work Session). This may be positive news for the city's core which has historically been a concentrated area of poverty with lower educational attainment rates. However, it is also something for the City to pay attention to. With revitalization can come the positive benefits of 'gentrification,' such as decreased crime and improved housing and street conditions. Yet, cities around the nation have also experience pitfalls for protected classes who are displaced due property values rising and being priced out of revitalized areas. Teska Associates, Inc. reports in this geographic area: ■ The median income has declined between 3% and 6% since 2007. ■ Unemployment is higher in the Washington Neighborhood, ranging from 4.1% to 6.24% based on the Census Tract compared with 2.3% citywide. ■ Unemployment in surrounding Census Tracts in the Washington Trade Area range from 2.7% to 10.3%. Employment Dubuque's economy employs 30,131 people. ■ The largest industries in Dubuque are Manufacturing (4,405 people), Retail Trade (4,360 people), and Health Care & Social Assistance (4,138 people). ■ The highest paying industries, by median earnings, are Utilities ($63,359) and Public Administration ($56,676), and Professional, Scientific and Technical Services ($49.071). ■ Median household income in Dubuque is $50,171. Males in Dubuque have an average income that is 1.34 times higher than the average income of females, which is $44,006. ■ The unemployment rate was at 2.4% in September 2019; per the USA Labs study in 2019, unemployment for people of color "hovers around 15%."'" 47 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Employment by Industry in Dubuque Health Care & Social Assistance 13.2% Educational Services 9.8% Manufacturing Total: 50.8k Retail Trade ommodat .. SAetreation Professional, Scientific, & Technical Services Administrative & Support& Waste Management Semtee 2.52% Finance& Insurance 6.03% i Construction 5 2g'lu OLEOS 111313.15 m 0 2013 2014 2015 2016 Figure 19 Source: Data USA https://datausa.io/profile/geo/dubuque-ia#economy UtherServices, Except Public Administration Wholesale Trade 3.3% Transportation &Warehousing 3.38% Information 2.41% Public Administration 2.32% Agticulture. Foresiry,Fishing &Homing 1.85% Notably, the State of Iowa the state ranks 37th in the nation for gender pay equity. The wage by gender in common jobs (2017): $80,000 - z o, $60,000 ▪ $40,000 on $20,000 so.. Miscellaneous managers Elementary & middle school Driver/sales workers & truck Secretaries & administrative Laborers & freight, sti teachers drivers assistants Occupation ■ Female ■ Male 2014 2015 2016 _2017. Figure 20 Source: Source: Data USA Dubuque Profile at https://datausa.io/profile/geo/dubuque-ia#housing material movers, 11 Summary • Dubuque has seen a decline in population despite the low unemployment rate. • Slight growth in diversity, especially among African Americans and Pacific Islanders. • Median income is lower than the national level and poverty is high, perhaps attributable in part to Iowa's minimum wage* (lowest in nation, along with just 13 other states). • The largest population sector, Millennials, face a rise in home values without an increase in wages/incomes. This makes homebuying a remote possibility for many. • Females experience more poverty than males in Dubuque; senior women are hit the hardest. 48 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA *The State of Iowa's minimum wage is the federally -established rate of $7.25 per hour. Community participants emphasized that the minimum wage is the chief obstacle to fair housing choice. In the City's comprehensive plan, increasing "economic prosperity" is cited. It is crucial to educate, as the Iowa Policy Project explains, even median wage in Iowa is not enough for self-sufficiency:°< ■ A single parent with 2 children would need to earn $22.19 per hour to live above the poverty line; ■ For a married couple with 1 child and just one parent working, the self-sufficiency wage is $22.41; ■ The average wage of a single Iowan is $12.99; and ■ The median wage is $17.84. The Iowa State Legislature passed House File 295 in 2017 to prohibit cities and counties from implementing policies at odds with state law, including the setting of minimum wages that exceed the state/federal rate, currently $7.25 an hour. Proponents of the bill argued that the wages should be set by employers and that permitting local control would create a patchwork of varying minimum wages across the state. Opponents of the legislation argued for local control and local values to be used to address wage issues, fair housing and civil rights issues. The wage issue and associated activities may more deeply considered through Dubuque's Equitable Poverty Prevention Plan work. 49 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA VI. HOUSING PROFILE This section provides an overview of housing, types and locations of units. The four HUD -defined housing problems are addressed in several subsections, chief of which is the cost burden impediment. Key Impediments ■ Low number of vacant units; ■ Prevalence of HUD -defined housing problems, including cost burden; and, ■ Publicly supported housing concentration. ■ Further, community participants report private sector financial services obstacles to homeownership. Housing Overview Dubuque's total housing units have increased since 2010, from 24,985 to 25,932 in 2017, an increase of 947 units. Nonetheless, vacancy rates are an impediment (housing scarcity) particularly impacting Dubuquers seeking affordable housing. Vacant units are spatially dispersed throughout Dubuque with the largest clusters on the east side and downtown, areas mentioned throughout this Al for density of poverty and racial/ethnic diversity. Imagine Dubuque includes strategies for expanding land use, the preservation of historic housing stock, and developing new housing units. Housing Types A profile of the types of housing in Dubuque shows that single family units are most prevalent per the following chart. 50 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Mobile Home Duplex Tri- or Four-Plex Apartment Single Family Units Housing Types 0 5,000 10,000 Figure 21 Chart 9 Housing by Type (count). Iowa Housing Finance Authority 2019 15,000 20,000 Because Dubuque is predominantly white, a look at housing types by race and ethnicity holds few surprises. Of note is that Pacific Islanders, while renters, are not residing in apartments. Also, mobile home residents are whites. Housing Types by Household Race and Ethnicity Unit Type White Black American Indian Asian Native • Hawaiian/Pacific Islanders ther Two or More Races Single Family 70.4% 46.1% 0% 33.% 45% 10.3% 41.4% Duplex 5.8% 19.2% 0% 2.7% 19.3% 43.1% 10.6% Tri or 4- Plex 6.1% 22.4% 0% 32.9% 35.8% 34.5% 21% Apartment 14.3% 12.2% 100% 27.3% 0% 12.1% 27% Mobile Home 3.4% 0% 0% 3.4% 0% 0% 0% Figure 22 Housing Types & Household Race and Ethnicity. Source: ACS 2017 5-Year Estimates While mobile home residents make up a small percent of households in Dubuque, as Community Participants discussed, mobile home communities have been purchased and prices have been raised, making them unaffordable and putting residents at risk of homelessness. The Dubuque City Council is aware of this crisis situation and it appears addressing this issue may be state legislative priority. This issue is included in the 2019 proposed fair housing plan. 51 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Age When Housing Built Dubuque's historic structures lend to the community's charm and beauty. However, aging housing stock also becomes an issue: nearly 30 percent of Dubuque's housing structures were built in 1939 or earlier. Housing Structures Buiit ■ 1939 or earlier ■ 1980 to 1999 Figure 23 Housing Structures Year Built Percentages ■ 1940 to 1959 ■ 2000 to 2009 ■ 1960 1979 The City has been tackling the aging stock issue using CDBG funds and partnerships with effective community organizations like the Greater Dubuque Development Corporation's True North program. Additionally, for over a decade significant investments have been made in the Washington Neighborhood. Investment and preservation strategies, including with the use of CDBG funds, Low Income Housing Tax Credit (LIHTC) and other funding is a community strength. Examples follow: The C.H.A.N.G.E. Initiative (Comprehensive Housing Activities for Neighborhood Growth and Enrichment) identifies and rehabilitates downtown housing units. It is a $19 million plan to improve 739 homes. Key partners include Community Housing Initiatives and Greater Dubuque Development Corporation's True North initiative. It encompasses: ■ Homebuyer Program ■ Housing Choice Voucher Home Ownership ■ Home Repair Loan ■ Accessibility Rehabilitation ■ Homeowner Rehabilitation Program ■ Homeowner Rehabilitation Loan Program ■ First -Time Homebuyer Greater Dubuque Development Corporation's True North program is focuses on: ■ Removal of blight and creation of affordable housing ■ Pursuit of redevelopment, reuse and repurposing of commercial and/or industrial Infrastructure Improvements 52 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA The following map shows where Public Housing (none in Dubuque), project -based and LIHTC properties are located (in purple): HUD Affirmatively Furthering Fair Housing Data and Mapping Tool 2mi war HERE FJPS I AFFHT0004 I HUD Date created: 11i 15±2019 Name: Map 5 - Publicly Supported Housing and Race.+Ethnicity Description: Public Housing- Project -Based Section 8, Other Multifamily, and LIHTC locations mapped with race.rethnicity dot density map with R+ECAPs. distinguishing categories of publicly supported housing by color Jurisdiction: Dubuque (CDBG) Region: Dubuque- IA HUD -Provided Data Version: AFFHT0004 Figure 24 Publicly Supported Housing. Source: HUD AFFHT 0004 Legend Jurisdiction Public Housing Q Public Housing Scattered Sites Project -Based Section 8 Low Income Housing Tax C TRACT Percent Voucher Units < 7.46 % 746%-92% II9.2°A-13-6% 13.0 % - 18.22 % ■ 18.22%-100% However, mapping patterns continue to show that publicly assisted housing (particularly the Housing Choice Voucher program tenants) continues to be clustered in older housing stock. As Dubuque's Director of the Housing and Community Development Department noted, the most vulnerable residents live in the oldest, most vulnerable housing stock. The City provided the heat map that follows shows where all rental units are located, and the left -side shows where units are available to persons receiving housing assistance: the bulk of the assisted housing units are located in the area where there is a high concentration of poverty and oldest housing stock. 53 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Figure 25 Heat Map of Publicly Supported Rental Housing. Source of Income Committee Report (December 2018) Housing Problems The four HUD -defined housing problems are: (1) Incomplete kitchen facilities, (2) Incomplete plumbing facilities, (3) more than 1 person per room (overcrowding), and (4) cost burden greater than 30%. The four severe housing problems are: incomplete kitchen facilities, incomplete plumbing facilities, more than 1 person per room, and cost burden greater than 50 percent. Cost burden is the ration of housing costs to household income. For renters, housing cost is gross rent (contract rent plus utilities). For owners, housing cost is 'select monthly owner costs' which includes mortgage payment, utilities, association fees, insurance, and real estate/property taxes. HUD defines cost -burdened families as those who pay more than 30 percent of their income for housing and may have difficulty affording necessities such as food, clothing, transportation, and medical care. Severe rent burden is defined as paying more than 50 percent of one's income on rent. HUD includes overcrowding as a housing problem it correlates to more health issues and accidents. In Dubuque, 99% of owner occupied units have 1 person per room and 98.2% of renter occupied units have 1 person per room. A map view of all housing problems, including cost burden, follows. 54 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA HUD Affirmatively Furthering Fair Housing Data and Mapping Tool Legend Jurisdiction -S� d Percent Households with Burden < 20-52 % lb 20-52 °% - 23-81 % ` 23-81 °% - 28-55 % ` 28.55 °% - 32.62 % ` 32-62 % - 100 % Percent Households with Burden: Data not Available Date created: 11/17/2019 Name: Map 6 - Housing Problems Description: Households experiencing ane or more housing burdens in Jurisdiction and Region with R/ECAPs and racelethnicity dot density Jurisdiction: Dubuque (CDBG) Region: Dubuque, IA HUD -Provided Data Version: AFFHT0004 Figure 26 Percent of Households with Housing Problem. Source: HUD AFFHT0004 According to the most recent Comprehensive Housing Affordability Strategy ("CHAS") data* for Dubuque (2012-2016 ACS) 27.5% of all households have at least one of 4 housing problems and nearly 15% have at least one severe housing problem. The following table provides details for the entirety of Dubuque households. 55 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Housing Problems Overview 1 Owner Renter Total Household has at least 1 of 4 Housing Problems 2,455 4,160 6,615 Household has none of 4 Housing Problems 12,685 4;480 17,165 cost burden n❑t available, no other problems 105 165 270 Total 15,250 8,800 24;050 Severe Housing Problems Overview 2 Owner Renter Total Household has at least 1 of 4 Severe Housing Problems 955 2,600 3,555 Household has none of 4 Severe Housing Problems 14,185 6,040 20,225 Cost burden not available, no other problems 105 165 270 Total 15,250 8,800 24,050 Figure 27 Comprehensive Housing Affordability Strategy Data Report 2019 Cost Burden and Income Nearly one-third of all Dubuque households are cost burdened: ■ Renters, 21.0% of Dubuque's renter households are paying 30%-49% of their income on rent. ■ A greater number of renter households 24% (2,111) spend 50% or more of the household income on rent. ■ Owners without a mortgage had a cost burden rate of 6.7 percent and a severe cost burden rate of 4.3 percent. ■ Owner occupied households with a mortgage had a cost burden rate of 15 percent, and severe cost burden at 5.8 percent. HAMFI Classification Extremely Low -Income <30% Very Low -Income < 50% Low -Income < 80% Low- and Moderate Income < 100% An owner or renter's income is closely correlated to housing problems. Inherently, cost burden is going to affect those in poverty more readily. HUD's HAMFI is the measure of median income by household calculated by HUD -determined housing markets, largely based on metropolitan statistical areas. While HAMFI does not provide the precision of a County Median Income or City Median Income, HAMFI offers HUD the ability to adjust median income by known household size in CHAS tabulations, providing more consistent data metrics across demographics. In the lowest income category 0-30 percent, more that 90% of Dubuque's households have one or more of the housing problems: technically no one group has a disproportionate share (more than 10%). However, poorer residents inherently experience more housing problems. 56 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE —CITY OF DUBUQUE, IA Housing Problems for Renters Income by Housing Problems (Renters only) Household has at least 1 of 4 Household has none of Cost Burden not available, Total Housing Problems 4 Housing Problems no other housing problem Household Income Tess -than or= 30% HAMFI 2,050 245 165 2,460 Household Income >30% to less -than or= 50% HAMFI 1,195 575 1,775 Household Income >50% to less -than or= 80% HAMFI 750 1,245 2,000 Household Income >80% to less -than or= 100% HAMFI 95 715 810 Household Income >100% HAMFI 66 1,695 1,760 Total 4,160 4,480 165 8,800 Figure 28 Income by Housing Problems (Renters). CHAS Report 2019 For owners, the situation is similar. The lowest two income categories experiencing more housing problems, as seen in the following CHAS data table. Housing Problems for Owners Income by Housing Problems (Owners only) Household has at least 1 of 4 Household has none of Cost Burden not available, Total Housing Problems 4 Housing Problems no other housing problem Household Income less -than or= 30% HAMFI 670 65 105 845 Household Income >30% to less -than or= 50% HAMFI 650 735 1,385 Household income >50% to less -than or= 80% HAMFI 700 2,065 2,765 Household Income >80% to less -than or= 100% HAMFI 230 1,710 1,940 Household Income >100% HAMFI 205 8,110 8,315 Total 2,455 12,685 105 15,250 Figure 29 Income by Housing Problems (Owners). CHAS Report 2019 As expected, the prevalence of housing problems is concentrated in areas where poverty is the highest. This can put place significant financial strain on residents' ability to afford basic necessities and which is then exacerbated when any large unexpected expense (such as car repairs) occur. 57 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Location of Affordable Rental Housing to 50% AMI. HUD Affirmatively Furthering Fair Housing Data and Mapping Tool Legend Jurisdiction ❑ Region TRACT RIECAP Percent Affordable Renter Units < 24.14 % . 24.14 %-43.23 % `43.23%-58.14% `58.14%-75.0% kb 75.0°%-100% Percent Affordable Renter Units: Data not Available Name: Map 17 - Location of Affordable Rental Housing (% Rental Units Affordable to 50% AMI) Description: Map of percent of rental units affordable, defined as units renting at or less than 30% of household income fora household with income at 50% of AMI. Jurisdiction: Dubuque (CDEG) Region: Dubuque, IA HUD -Provided Data Version: AFFHT0404 Figure 30 HUD AFFH Mapping Housing Problems by Race & Ethnicity The small number of minority households makes it difficult to make inferences, however it is worth noting that in several income categories, for some minority groups more households than not have housing problems: • For households with 0-30% and 30-50% of Area Median Income Black/African American, Asian and Hispanic households have more housing problems than not. • All 25 American Indian and Native Alaskan Households (100% percent in this income category) had housing problems. • 61% of households with 30% to 50% of Area Median Income had one or more housing problems. • Thirty-two percent of households with 50% to 80%of Area Median Income had one or more housing problems. Pacific Islanders had a disproportionate share at 100%. • 13% of households with 80% to 100% of Area Median Income had one or more housing problems. American Indian/ Alaska natives had a disproportionate share at 71.4%, and Pacific Islanders at 100%. 58 l 2019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA • All 65 Pacific Islander households had housing problems in the income categories in which they appear. As stated, while small numbers make it difficult to establish disproportionality and cost -burden is a prevailing issue in Dubuque, all broad strategies to increase the affordability and accessibility of housing would likely benefit these small minority groups as well as the City as a whole. Zoning In concert with the development of Imagine Dubuque, a comprehensive review of zoning and land use occurred. Within the Dubuque city limits, 2,490 acres (18%) of total land area remained vacant and developable based on 2017 zoning designation. Because there are fewer units available than households in need for those who make <30% Household Area Median Family Income, land use and development decisions will make affordable housing a priority. The following map details the City Council -approved future land use map that Imagine Dubuque strategies build upon. it Figure 31 Future Land Use 2030 Map. Source: City of Dubuque Imagine Dubuque Strategies for Expanding Affordable Housing Future Land Use 2030 City of Dubuque Single Fcnnly or Duplex - Muni-Fonseiy Mixed Reeeden4al - &estiiuhweat I I COMM rclaL - Miapsd Use Light lndus#.ia! - Heavy indust/ieI - Opm Space Pak Pura DenailyR dential Agnorllurs I Mississippi River & P1aad Pkixi I I Potsniw! Gwtis Areas Celt' of Peost land Liss Plan Boundaries SW4tkosst Arterial T TLC Si,,uLdaaioReview — Ra ds A4opIo66, L*f Cour,cl hp-1 }..7 P... era Cm.ry faB HPamFa usd31130 Fulani. La. uu lYp Single Family Serve neighborhood needs such as education, housing, and recreation equitably while maintaining a viable, livable atmosphere and reducing environmental impacts. Access to trails, open space, and other 59 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Figure 31 Future Land Use 2030 Map. Source: City of Dubuque Imagine Dubuque Strategies for Expanding Affordable Housing Future Land Use 2030 City of Dubuque Single Fcnnly or Duplex - Muni-Fonseiy Mixed Reeeden4al - &estiiuhweat I I COMM rclaL - Miapsd Use Light lndus#.ia! - Heavy indust/ieI - Opm Space Pak Pura DenailyR dential Agnorllurs I Mississippi River & P1aad Pkixi I I Potsniw! Gwtis Areas Celt' of Peost land Liss Plan Boundaries SW4tkosst Arterial T TLC Si,,uLdaaioReview — Ra ds A4opIo66, L*f Cour,cl hp-1 }..7 P... era Cm.ry faB HPamFa usd31130 Fulani. La. uu lYp Single Family Serve neighborhood needs such as education, housing, and recreation equitably while maintaining a viable, livable atmosphere and reducing environmental impacts. Access to trails, open space, and other 59 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA recreational and educational amenities, connections to needed goods and services, and protecting significant woodland, prairie, and wetland areas and avoid steep slopes are all strategies. Multi Family Encourage a mix of housing affordable for all segments of Dubuque's population throughout the community, including options for those who might be saving for their first home, taking into account proximity to jobs to minimize transportation costs, and increasing access to goods and services in a walkable environment. Mixed -Use Create a vibrant environment where residents can live, work, and play within walking and biking distance of their home at opportunity sites throughout the community. Integrate a variety of residential product types in mixed -use areas, including multi -family products such as townhomes and apartments, but also incorporating some single-family housing. Imagine Dubuque's mixed use strategies also provides for walkable neighborhoods, with convenient access to goods, services, parks, and schools, without the need to use a car for every trip. Potential Private Sector Discrimination Prohibited practices include: ■ Redlining, refusing to extend home loans/insurance or offering less favorable terms to someone based on the race of their neighborhood. ■ Blockbusting, persuading owners to sell property cheaply based on fear that people of another race will move into the neighborhood, and thus profiting by reselling at a higher price. ■ Steering, housing providers guide prospective buyers/renters towards or away from certain neighborhoods based on race. Among home loan applicants of color, the ability to achieve homeownership is impeded by higher rates of mortgage application denials. Black and Hispanic households in Iowa were denied mortgages at higher rates than white households, even when controlling for income. And, higher cost loans were more prevalent among lower income households than upper income households. According to Home Mortgage Disclosure Act (HDMA) nationwide data (2017), in terms of conventional loans African Americans are 2.6 times and Hispanic applicants are 2 times more likely than white applicants to be denied. Non -white buyers did a little better with FHA mortgage loans, yet African American are 1.8 times more likely and Hispanic applicants are 1.4 times more likely than white applicants to be turned down. Although a small percentage of Dubuque's population is a race/ethnicity other than white, homeownership is disproportionately low, even by national standards. The homeownership rate for Dubuque's black citizens is just 8%, down from roughly 10% in 2015."xx' Dubuque Home Mortgage Disclosure Act data do not clearly signal obstacles, largely because for conventional loans race and ethnicity were not reported, Community Participants in this Al reported that redlining is occurring, indicating that an independent fair housing testing program would be helpful in terms of a deeper analysis to ascertain if prohibited discriminatory practices are occurring. 60 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Housing Forecast The Iowa Finance Authority forecasts that in 2030 there will be a projected 25,147 households of which 15,918 are projected to be owner occupied, and 9,230 are expected to be renter -occupied. Dubuque households are projected to reach 25,192 occupied units by 2050. The expansion of affordable housing will need to be equally strong. Implementation of Imagine Dubuque strategies and fair housing goals are crucial for the community to thrive. Summary of Barriers & Potential Solutions Key Barriers: ■ Cost burden, the most prevalent impediment. ■ Poorer households, particularly among person of color, also experience a greater number of HUD -defined housing problems. As noted previously, cost burden is inherently higher in low income households. ■ Concentration of Housing Choice Voucher participants in older housing stock. ■ No data indicates that HCV acceptance is city-wide; current locations of HCVs show high usage in concentrated areas of poverty. ■ Homeownership is predominantly among Whites. Potential Solutions: Imagine Dubuque lays out strategies for preserving and reinvesting in structures built early in the 20' Century. The community partnerships are strong and will continue the work of rehabilitating housing stock. The issue of public assisted housing, particularly the HCVs, is addressed in Assessment of Past Goals section of this AI, as well as in the 2019 fair housing actions. Finally, actions such as an independent testing and focus on public transparency for inspections decisions will strengthen fair housing in Dubuque. Housing patterns of owner occupied versus renter occupied housing are critical as homeownership is thought to have a substantial access to opportunity impact. The HUD -defined opportunity indices are addressed in the next section of this report. As one Dubuque resident said, not being able to get a mortgage for a small house means nothing to leave one's children. This speaks to the historical lens to homeownership in the U.S.: owning a home has been thought of as integral to achieving the American Dream. With homeownership lowest for people of color, further examination of practices and approaches in Dubuque is needed. The City of Dubuque and its community partners have solid home buying programs. Analysis of racial/ethnic disparities is advisable and improved outreach and supports for potential homebuyers could be necessitated. Outreach that is culturally competent should come in the form of greater down payment assistance, a homebuying "coach," or other promising approaches used in Iowa and across the nation. One valuable resource is HUD's randomized trial results from a multi -year demonstration project: First Time Home Buyers Education and Counseling (June 2016) The cost burden for Dubuque residents is untenable. However, this is an issue across the nation and promising approaches are being tested; some are similar to Imagine Dubuque strategies. Further, the expectation is that the Equitable Poverty Prevention Plan will offer insights on best practices, specific 61 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA approach to increasing wages. This Al's fair housing goals offer a set of actions that will help ensure that discrimination and disparate impact is mitigated. 62 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA VII. ACCESS TO OPPORTUNITY Among the many factors that drive housing choice for individuals and families are neighborhood factors. HUD refers to these factors within communities as 'areas of opportunity.' To thrive one needs living wages, good schools, affordable housing, efficient public transportation, safe streets, good services, adequate parks, and full -service grocery stores. While not mentioned by HUD, child care has increasingly become a factor that impacts one's ability to thrive. HUD has developed a series of indices to help inform communities about segregation in their jurisdiction and region, as well as about disparities in access to opportunity. Each opportunity index is percentile ranked on a 0-100 scale, with a score closer to 100 indicating a higher level of opportunity. During Al development researchers were hampered by HUD's AFFH technology system non -functionality (extraction of data tables not possible). Thus, mapping is used throughout to capture indices ratings; in some instances older is used, including 2000 Census Data. The HUD opportunity indices are:°" Index Level of Geography -scriptio Low Poverty Index Tract Captures poverty in a neighborhood using the poverty rate. School Proficiency Index Block Group Uses fourth -grade performance to assess the quality of an elementary school in a neighborhood. Jobs Proximity Index Block Group Quantifies the accessibility of a neighborhood to job locations within the larger region, with larger employment centers weighted accordingly. Labor Market Engagement Index Tract Describes the relative intensity of labor market engagement and human capital in a neighborhood, using the unemployment rate, labor force participation rate, and educational attainment. 63 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Low Transportation Cost Index Tract Estimates the transportation costs for a three -person single -parent family with income at 50 percent of the median income for renters. Transit Trips Tract Quantifies the number of public transit trips taken annually by a three -person single -parent family with income at 50 percent of the median income for renters. Environmental Health Tract Describes potential exposure to harmful toxins at the neighborhood level. Dissimilarity Index CDBG HOME CBSA A measure of community -level segregation which represents the extent to which the distribution of any two groups differs across census tracts or block - groups. Low Poverty Index & Income Poverty significantly impacts access to opportunity. Dubuque's poverty rate of 16.3% is both higher than the county (11.9%) and the state (12%). One in five Iowans cannot meet basic needs and the poverty rate is higher in Dubuque. The Low Poverty Index is based on the poverty rate and captures poverty in a given neighborhood with the poverty rate is determined at the census tract level. Poverty Index values are inverted meaning the higher the score, the less exposure to poverty in a neighborhood. Census tracts 5 (11 index score) and 1 (13 index score) hold the poorest neighborhoods in city of Dubuque. Conversely the neighborhoods least impacted by poverty are located in census tracts 001204 and 001205 in the Western Edge both with poverty index scores of 93. 64 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA HUD Affirmatively Furthering Fair Housing Data and Mapping Tool Name: Map 12 - Demographics and Poverty Description: Low Poverty Index with race/ethnicity, national origin, family status and RIECAPs Jurisdiction: Dubuque (CMG) Region: Dubuque, IA HUD -Provided Data Version: AFFHT0004 Figure 32 Low Poverty Index Map. Source: HUD AFFHT0004 Legend Jurisdiction LI TRACT Low Poverty Index 0-10 10.1 - 20 20.1 - 30 30.1-40 40.1 - 50 ▪ 50.1-60 ▪ 60.1 - 70 ▪ 70.1 - 80 ▪ 80.1-90 ▪ 90.1-100 Low Poverty Index: Data not Available The map that follows adds further context to poverty in Dubuque by mapping the percentages of families within block groups who are living below the poverty level. At 36.7% Block Group 1— Census Tract 1 has the highest rate of families in poverty. 65 1 2019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA ram ilies:Income Below Poverty Level 4CS 2017 i5-4%ear Estimated Sem OE. sona:englmer 0.9 J LerRnn 11 punuque.,R 9I .-kGro4p Myn{t rirF Mnr,L Grq,p P.wnda Ow WiCICC .yLl4lrS Figure 33 Percentage Families Living Below Poverty Level. Source: ACS 2017 5-Year Estimate, Social Explorer The Poverty Thresholds for 2018* are provided below for additional real -life context. As an example, the poverty threshold for a family household with two adults and two children is $25,465 annual income or less. Poverty Thresholds for 2018 by Size of Family and Number of Related Children Under 18 Years eighted Size of family unitILerepi nc Related Two children Three under Four 18 years Fivc re One person (unrelated individual): 12,784 Under age 65 13,064 13,064 -------- Aged 65 and older 12,043 12,043 -------- ---------- Two people: 16,247--------- Householder u nder a_e 65 16,889 16,815 17,308 ------- Householder aged 65 and older 15,193 15,178 17,242 ------- Three people 19,985 19,642 20,212 20,231 ----- Four people 25,701 25,900 26,324 25,465 30,718 25,554 --- Five people 30,459 4 31,689 29,967 29,509 --- sbapeople 34,533 35,925 36,068 35,324 34,612 33,553 32,925 --- Seven people 39,194 41,336 41,594 40,705 40,085 38,929 37,581 36,102 Eight people 43,602 46,231 46,640 45,800 45,064 44,021 42,696 41,317 40,967 Nine peopleormore 51,393 55613 55883 55,140 54,516 53,491 52,082 50,807 50,491 48,546 c,,.rr i td¢ re..e.ie ner.gaV • Figure 34 2018 Poverty Thresholds. Source: Census Bureau *Note: This table provides the most recent (2018) Census Bureau guidelines whereas most of this Al uses ACS Five Year 2013-2017 data. 66 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA A significant variance is reported between the Median Household income: • The median income is $50,171 (ACS 2017) • For White Alone householders, the median income is $52,346 (in 2017 inflation adjusted dollars) and for African American householders it is $14,818. • The 22% Gender Income Gap (females less than males) disparately impacts all households but especially female -led households (2,617) which are nearly 19% of the percent of total family households (13,888) in Dubuque. Median income for families highlights the differences between census tracts with median income generally increasing as distance from the downtown area increased. In 2017, the place with the highest Median Household Income was Census Tract 101.05 with a value of $83,050, followed by Census Tract 8.02 and Census Tract 8.01, with respective values of $72,404 and $65,114. School Proficiency Index School proficiency is viewed by HUD as an indication of the quality of education that is available to residents of an area. High quality education is thought to be a vital community resource that may lead to more opportunity and improved quality of life. Importantly, Dubuque uses a neighborhood schools model, meaning that schools are typically populated with the children from surrounding residences and neighborhoods. The school proficiency index uses school -level data on the performance of 4th grade students on state exams to describe which neighborhoods have high -performing elementary schools nearby and which are near lower performing elementary schools. The index ranges in values from 0 to 100. The higher the score, the higher the school system quality is in a neighborhood. The Dubuque Community School District provides K-12 education through 11 elementary schools, three junior high schools, one middle school, and three high schools. Dubuque also offers two private school systems accredited by the State of Iowa. It should be noted that a growing body of research "debunks the idea that school quality is the main determinant of economic mobility."XX"' UC Berkeley economist Jesse Rothstein's research found that "differences in local labor markets —for example, how similar industries can vary across different communities —and marriage patterns, such as higher concentrations of single -parent households, seemed to make much more of a difference than school quality.""'" Rosenstein concludes that factors like higher minimum wages, the presence and strength of labor unions, and clear career pathways within local industries are likely to play more important roles in facilitating a poor child's ability to rise up the economic ladder when they reach adulthood."' Rosenstein's research, confirmed by international researchers and reinforced by the Iowa Policy Project's 2019 "State of Working Iowa" report, provides fodder for reflection as the City of Dubuque undertakes its poverty prevention planning. In short, traditional thinking and poverty programming may not advance its goal of equity and increased economic prosperity. 67 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA HUD Affirmatively Furthering Fair Housing Data and Mapping Tool Name: Map 7- Demographics and School Proficiency Description: School Proficiency Index for Jurisdiction and Region with racelethnicity, national origin, family status, and RIECAPs Jurisdiction: Dubuque (CDBG) Region: Dubuque, IA HUD -Provided Data Version: AFFHT0004 Figure 35 School Proficiency Index. Source: HUD AFFHT0004 Legend Jurisdiction TRACT School Proficiency Index 0-10 10-1 - 20 20-1 - 30 ■ 36-1 - 40 ■ 40-1 - 50 ■ 50-1 - 60 ▪ 60-1 - 70 ■ 70-1 - 80 80-1 - 90 ■ 90-1 - 100 School Proficiency Index: Data not Available School Proficiency Index mapping above shows large areas in and around the downtown area only have access to lower performing schools. These same areas also experience the highest levels of poverty and/or racial/ethnic diversity. Lower performing neighborhoods include Lincoln, Prescott, Audubon, Fulton and Marshall Elementary Schools and Thomas Jefferson Middle School. One notable area is Block Group 4, Tract 5 which encompasses parts of the Washington and North End neighborhoods. It has the lowest school proficiency ranking (1 index score), reports more than a quarter (25.57%) of families live below the poverty level and where 37.32% of the population are children under 18 years (compared to the city as a whole with 20.9% under 18 years as of July 1, 2018, per U.S. Census Bureau data): Dubuque residents are struggling with multiple barriers. For additional context the map below shows percentages of children (all residents age under 18 years) by block group as an indicator of where the concentrations of Dubuque's school attendees live (with the exception of the under 5 years population). 68 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Total Population:L1nder 18 Years ACS 2017 f5-Year Estimates} Coniralla Peosro ranun 1t SociatExptorcr Inc lts. eentdat 41% 4% to 5% 5% to 10% IM 10% to 15% _ 15% to 20% _ 20% to 30% _ 30% to 40% _ lO% to 00% _ 60% to 75% _ 75% to 93% _ "0% Figure 36 Percentage of Total Population Under 18 Years. Source: ACS 2017 5-Year Estimate, Social Explorer School proficiency data from the Dubuque Community School District further highlights the challenges that poor, English language learner, disabled and/or homeless students face. Further, disparity in proficiency is seen based on race and ethnicity. An additional critical indicator, the Iowa Department of Education performance data English Language Learners dropout rate at significantly higher rates. (For complete details, please see Iowa Department of Education, Dubuque Community Schools Performance State District School Performance (Dubuque) 2018.) Finally, during community engagement that informed this AI, a focus group of school principals noted how critical safe, stable housing is for their students. In particular, educators discussed how having to move frequently for reasons of safety or affordability negatively impacts their students' learning. The voices of Dubuque's educators confirm that housing has a profound impact on students and a forthcoming survey of Dubuque educators as part of the Equitable Poverty Prevention Plan will shed more light. Jobs Proximity Index & Labor Market Index The Jobs Proximity Index quantifies the accessibility of a given residential neighborhood as a function of its distance to all job locations within a specific proximity. Values are percentile ranked with values ranging from 0 to 100. The higher the index value, the better the access to employment opportunities for residents in a neighborhood. 69 2019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA HUD Affirmatively Furthering Fair Housing Data and Mapping Tool Name: Map 8 - Demographics and Job Proximity Description: Jobs Proximity Index for Jurisdiction and Region with race/ethnicity, national origin, family status and RIECAPs Jurisdiction: Dubuque (CMG) Region: Dubuque, IA HUD -Provided Data Version: AFFHT0004 Figure 37 Jobs Proximity Index. Source: HUD AFFHT0004 Legend Jurisdiction TRACT Jobs Proximity Index 0-10 h im_ 20 ` 20.1 -30 lb 30.1 - 40 ▪ 40.1 - 50 `50.1-60 ` 60.1 - 70 ▪ 70.1 - 80 lb 80.1 - 90 90.1 -100 Jobs Proximity Index: Available h The Labor Market Engagement Index provides a summary description of the relative intensity of labor market engagement and human capital in a neighborhood. This is based upon the level of employment, labor force participation, and educational attainment in a census tract. Values are percentile ranked nationally and range from 0 to 100. The higher the score, the higher the labor force participation and human capital in a neighborhood. 70 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA HUD Affirmatively Furthering Fair Housing Data and Mapping Tool Name: Map 9 - Demographics and Labor Market Description: Labor Engagement Index with race/ethnicity, national origin, family status and R!ECAPs Jurisdiction: Dubuque (CDBG) Region: Dubuque_ IA HUD -Provided Data Version: AFFHT0004 Figure 38 Labor Engagement Index. Source: HUD AFFHT0004 Legend Jurisdiction LI TRACT Labor Market Ind 0-10 hi 10.1-20 20.1 - 30 ki 30.1 -40 hi 40.1 - 50 50.1 -£0 kb 60.1 -70 ▪ 70.1 - 80 h 80.1 - 90 h 90.1 - 100 Labor Market Ind Available In 2017, 31,687 residents or 66.6% of Dubuque's population aged 16 Years and Over were employed. The unemployment rate was 3.2% in 2017 but has subsequently decreased to roughly 2.3% (reported August 2019) which is lower than the national average of 3.5 percent and just below the Iowa unemployment rate of 2.5%. The unemployment rate for African Americans in Dubuque hovers around 15%. XXVI In the recent study commissioned by the Community Foundation of Greater Dubuque around workforce issues, human resources and business leaders stated that the most common barriers to unemployment or under employment were for people of color and other Dubuque residents "soft skills."X"" City leaders and residents should be aware that there is ample research on soft skills coaching and training, as well as research that examines how racial discrimination and/or bias affects to employers naming "soft skills" as the reason for not hiring or terminating employees. Scientific American's November 2019 edition provides a simple roadmap for helping employers improve how they define and look at "soft skills."XXv"' Importantly, community perceptions of poverty and people in poverty illustrate a negative orientation that may have an equally detrimental and disparate impact on labor market engagement. The Equitable Poverty Prevention Plan will provide evidence -based and promising approaches to creating greater 71 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA economic prosperity that will have a positive impact on poverty in Dubuque, thus labor market engagement is not fully examined here. Neighborhoods with jobs in close proximity are often assumed to have good access to jobs. However, distance alone does not capture any other factor such as transportation options, the type of jobs available in the area, or the education and training necessary to obtain them. There may be concentrations of jobs and low-income neighborhoods in urban centers, but many of the jobs are unattainable for residents of low-income neighborhoods. For example, Teska Associates, Inc.'s 2019 market analysis shows that unemployment is higher in the Washington Neighborhood, ranging from 4.1% to 6.24% based on the Census Tract compared with 2.3% citywide. Unemployment in surrounding Census Tracts in the Washington Trade Area range from 2.7% to 10.3%. Map Legend % Unemployment <2.19% 2.19-3.68 % 3.68-5. 33 % 11111 5.33-7.29% 11111 >7.29% Figure 39 Unemployment Rate. Source: HUD CPD Mapping Tool None of these data will be surprises to Dubuque leaders who have carefully studied the issues of poverty for over a decade. Further, Inclusive Dubuque's Equity Profile has already provided the community with critical information about the impact of race/ethnicity on opportunities. Nevertheless, the fair housing plan includes key actions that, in concert with other community plans and actions, can advance equity. 72 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Low Transportation Cost Index & Transit Trips Index The Low Transportation Cost Index estimates transportation costs for a family that meets the following description: a 3-person single -parent family with income at 50% of the median income for renters for the region. Values are inverted and percentile ranked nationally, with values ranging from 0 to 100. The Transit Trip Index considers trips taken by a family that meet the following description: a 3-person single -parent family with income at 50% of the median income for renters. Values are percentile ranked nationally, with values ranging from 0 to 100. The higher the transit trips index, the more likely residents in that neighborhood utilize public transit. Community participants in the development of this Al commented that transportation can still be an issue. Several women in the Gaining Opportunities workshop mentioned that they need a reliable vehicle to access the Peosta branch of Northeast Iowa Community Colleges in order to take advantage of Opportunity Dubuque courses. Imagine Dubuque incorporates some strategies for more transportation options and City staff need to be cognizant that something other than single -occupancy vehicles are needed for those who cannot drive or afford to maintain a reliable vehicle. Multimodal projects should be prioritized in Dubuque's transportation improvement plan. For transit services, Dubuque may wish to consider community mobility hubs, which incorporates features to facilitate several modes of a trip. Mobility hubs would include transit service, bike storage, bikeshare stations, parking for car sharing services, parking for taxis, parking for private vans or shuttles, and electric car charging stations. Per HUD, the average auto ownership costs per year are between approximately $4,500 and $9,500 per year depending on household type and assumptions. Household Profile Income Level Household Number of Average Auto Average Assumption Size Commuters Owner Costs Transit Costs 1. Median -Income Family 2. Very Low -Income Individual 3. Working Individual 4. Single Professional MHHI Nat'l poverty line 4 1 1 50% of MHHI 135% of MHHI 5. Retired Couple 80% of MHHI 6. Single -Parent Family 50% of MHHI 7. Moderate -Income Family 80% of MHHI 8. Dual -Professional Family 150% of MHHI 1 1 2 3 3 2 $ 8,746 $ 120 1 $ 4,451 $ 44 1 $ 5,556 $ 31 1 $ 7,035 $ 20 0 $ 5,283 $ - Source: Location Affordability Index (LAI) data (v.3), 2012-2016 1 $ 6,184 $ 68 1 $ 6,920 $ 61 2 $ 9,541 $ 109 Figure 40 Average Auto and Transit Costs by Household Profile. Source: HUD 73 2019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Transportation and Transit maps that follow show households more likely to take public transit. HUD Affirmatively Furthering Fair Housing Data and Mapping Tool Name: Map 11 - Demographics and Low Transportation Cost Description: Low Transportation Cost Index with race/ethnicity, national origin, family status and RIECAPs Jurisdiction: Dubuque (CDBG). Region: Dubuque, IA HUD -Provided Data Version: AFFHT0004 Figure 41 Low Transportation Cost Index. Source: HUD AFFHT0004 HUD Affirmatively Furthering Fair Housing Data and Mapping Tool AFFHT0004I Esri, HERE, NPS Date created: 1111612019 Name: Map 10 - Demographics and Transit Trips Description: Transit Trips Index for Jurisdiction and Region with racelethnicity. national origin. family status and RJECAPs Jurisdiction: Dubuque (CDDG) Region: Dubuque, IA HUD -Provided Data Version: AFFHT0004 Figure 42 Transit Trips Index. Source: HUD AFFHT0004 Legend Jurisdiction b TRACT Transit Trips Index 0-10 10.1 - 20 ▪ 20 1- 30 ' 30.1-40 ' 40.1-50 ▪ 50.1 - 60 ▪ 60.1-70 70.1-80 ▪ 80.1-00 90.1-100 Legend Jurisdiction TRACT Low Transportation Cost Index 0-10 II 10.1 -20 20.1 - 30 ■ 30.1 - 40 40.1 - 50 ■ 50.1 - 60 60.1 - 70 II 70.1 - 80 h 80.1-00 ■ 90.1 - 100 Low Transportation Cost Index: Data not Available Transit Trips Index: Data not Available 74 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA According to the Center for Neighborhood Technology's Housing + Transportation Affordability Index, Dubuque housing and transportation combined costs consume 44% of the families' total incomes. Single -occupancy driving of car, truck or van is the most common form of commuting (80.3 percent) and the average work commute for City residents is 14.5 minutes. Compared to the rest of the country, Dubuquers spend much less time in their cars going to and from work. Transit services and public transportation have been significantly improved since the 2015 Analysis of Impediments. The City reports that over the past 5 years, the public transportation system has been expanded to increase accessibility for individuals with disabilities and low income populations. Routes have also been changed. The Jule now offers fixed route bus and door-to-door paratransit mini -bus service throughout the City: ■ Rack & Ride. All Jule buses are equipped with bike racks for passengers to use free of charge with the purchase of a regular bus fare ticket. ■ Nightrider. During the college school year fixed route and minibus weekend evening service is available 9 p.m. to 2:40 a.m. ■ Accessibility. All Jule buses are equipped with ramps and/or lifts to accommodate mobility devices. All Jule facilities and bus stops are accessible in compliance with the Americans with Disabilities Act (ADA). Additionally, a door-to-door service for seniors is provided by a local nonprofit: DuRide. DuRide offers private car service 365 days a year and all DuRide volunteers complete a background check, hold a valid driver's license, and proof of insurance. However, as mentioned above, community participants in this Al reported that transportation is more difficult for households who are unable to utilize an individual automobile to get to a full service grocery store for instance, or to Peosta (where a branch of Northeast Iowa Community College is located). Food Access . Low Income & Low Access Layers 2015 0 LI and LA at 1 and 10 miles LI and LA at 112 and 10 miles Q LI and LA at 1 and 20 miles • LI and LA using vehicle access Q ❑ § e' Figure 43 USDA Food Access Research Atlas 75 2019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA While slightly older data, the U.S. Department of Agriculture's Food Access Research Atlas map above gives a spatial overview of food access indicators for low-income and other census tracts using different measures of supermarket accessibility. The map shows food access by census tract based on 2015 data and distance one would need to travel to reach a full service grocery store — the same areas within Dubuque where residents are more likely to live in poverty and rely upon public transit. Environmental Health Index The Environmental Health Index measures exposure based on EPA estimates of air quality carcinogenic, respiratory and neurological toxins by neighborhood. Values are inverted and then percentile ranked nationally. Values range from 0 to 100. The higher the index value, the less exposure to toxins harmful to human health. Therefore, the higher the value, the better the environmental quality of a neighborhood, where a neighborhood is a census block -group. Unfortunately, large parts of Iowa do not have any data, and there is little to no variance among the areas that do have data available. For Dubuque, there are variances again in the tracts where poverty is most concentrated. HUD Affirmatively Furthering Fair Housing Data and Mapping Tool Name: Map 13 - Demographics and Environmental Health Description: Environmental Health Index with racefethnicity. national origin. family status and R+ECAPs Jurisdiction: Dubuque (CDBG) Region: Dubuque, IA HUD -Provided Data Version: AFFHT0004 Figure 44 Environmental Health Index. Source: HUD AFFHT0004 Legend Jurisdiction TRACT Environmental Healtl 0-10 10.1 -20 11 20.1 - 30 kb 30.1 -40 kb 40.1 - 50 kb 50.1 - 60 ▪ 60.1 - 70 70.1 - 80 `80.1 -90 ` 90.1 - 100 Environmental Healtl Data not Available 76 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Racially or Ethnically Concentrated Areas of Poverty HUD's Racially or Ethnically Concentrated Areas of Poverty (HUD R/E-CAP) indicator requires identification of any geographical area that exceeds concentrated areas with residents who are not non - Hispanic Whites. Analyzed at the block group level, the HUD R/E-CAP benchmark for Dubuque is a concentration of residents of color greater than 50% because Dubuque is considered a micropolitan area. No block group or tract in Dubuque reaches the R/E-CAP criteria. Dissimilarity Index The dissimilarity index is a commonly used measure of community -level segregation. The dissimilarity index represents the extent to which the distribution of any two groups (frequently racial or ethnic groups) differs across census tracts or block -groups. Index values range from 0 to 100. A high value indicates that the two groups tend to live in different tracts. A value of 60 (or above) is considered very high. It means that 60% (or more) of the members of one group would need to move to a different tract in order for the two groups to be equally distributed. Values of 40 or 50 are usually considered a moderate level of segregation, and values of 30 or below are considered to be fairly low. Due to HUD's technology system's data tables and some maps (AFFH) being nonfunctional during this Al report development, alternative and older data sources for Dubuque are used below. What is crucial to note is that some indices become unreliable or have little meaning where a specific racial/ethnic group is very small in Dubuque. 9 White-Black/Black-White K.5 40.2 White-HispanicjHispanic-White :a 25.5 White-Asian/Asian-White 22.9 38.3 Black-Hispanic/Hispanic-Black— Black-Asian/Asian-Black 23.4 I; 81 31.5 18.8 46.9 34.1 Hispanic-Asian/Asian-Hispanic .36 21.8 65.6 61.5 0 20 6[1 ${1 100 Figure 45 Dissimilarity Index. Source: https://s4.ad.brown.edu/projects/diversity/index.htm 1 °8O 15.,.. 2O 222.-2E CS 2010 Isolation Index The isolation index is the percentage of same -group population in the census tract where the average member of a racial/ethnic group lives. It has a lower bound of zero (for a very small group that is quite dispersed) to 100 (meaning that group members are entirely isolated from other groups). It should be kept in mind that this index is affected by the size of the group -- it is almost inevitably smaller for 77 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA smaller groups, and it is likely to rise over time if the group becomes larger. With Dubuque's overwhelming white population, the isolation index provides minimal value. White -White Black -Black Hispanic -Hispanic Asian -Asian 0.6 9.7 0.7 9 6 3.3 4.2 2.3 5 0 20 40 60 80 100 Figure 46 Isolation Index. Source: https://s4.ad.brown.edu/protects/diversity/index.htm 1° ,. 2DDD N. 2:1 Non -HUD Factor: Child Care While HUD does not include child care within its indices, it arguably has a greater impact than transportation and transit. Of Dubuque households that have children under 6 Years, 81.3 percent report that All Parents from that household are in the labor force, presumably creating a demand for child care. According to the Iowa Child Care Resource and Referral, the number of child care programs have declined across Iowa by 42% from 2013 to 2018. In Dubuque, an estimated 37 percent of child care facilities have closed over the past 5 years. The community is well aware of child care scarcity and its impact on employment opportunities. The 2016 Child Care Needs Assessment, commissioned by the Community Foundation of Greater Dubuque, included a survey of residents and found that: • Almost half (48.8%) of respondents reported that child care responsibilities had caused them to turn down a job or work fewer hours; • Over a quarter (25.2%) reported doing so as a result of not being able to afford child care; and, • A little more than one in five (21.7%) turned down a job or worked fewer hours when they could not find child care. Survey results also show that low-income families have turned down jobs at significantly higher rates than middle- to high -income families. Finally, the Iowa Policy Project reports that for a single parent, child care makes up 18 to 19% of the family budget expenditures.'° Opportunity Zones Established by Congress in the Tax Cuts and Jobs Act of 2017, the Opportunity Zones initiative is a community development tool that provides investors with tax benefits for making long-term investments in economically -distressed communities nationwide. The census tracts designated as 78 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA Opportunity Zones include some of the most impoverished neighborhoods in both urban and rural areas, containing roughly 10 percent of the nation's population. Dubuque has two tracts designated at Opportunity Zones with the Washington Neighborhood spanning these. Not surprisingly much of this Al report focuses on these areas of need. Area (Land) moo" tat, de nue hay ao u.ese et us der. Figure 47 Opportunity Zones. Source: Social Explorer trstualeanden ,/ meuquq LA Opportunity aonu N sw.ndan.s Summary Access to opportunity will be a key component of poverty prevention planning and thus is not detailed fully here. The City has long been aware of the concentration of poverty and its impact on the community. With respect to students, some successful action has been taken through the grade -level reading initiative. Dubuque will collaboratively tackle poverty and race through the Equitable Poverty Prevention Plan in the coming year. Meanwhile, it is suggested that the City begin taking steps to intent a full service grocery store into the downtown core. 79 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA .trt -• 9 , ��y �-yyLLLL iy LLLLLL�L� L4L ■ Ail 1 ^1, `L.LLLL ,ram i 1T 1 LLHil ti-4TLLL AAA LlaYYYYLL `hh`� hhhhH I I I! I I Lh!-�hhhhhhhi �� F!-h�t�ii�l ! r � L VIII. 2019 FORWARD: DUBUQUE FAIR HOUSING The fair housing barriers identified through Al research are provided in the table below. A priority ranking of actions, per HUD's AFH tool, are assigned based on: • The significance of the barrier in limiting housing choice, • The significance of the barrier in contributing to segregation, and • Ease of implementation (12-24 months). Generally speaking, medium priorities are equally vital but cannot be implemented with the timeframe of High Priorities. This plan and its activities span a five year period. Key themes that serve as the foundation for 2019 plan include: • Potential Bias & Discrimination • Available, Affordable Housing • Cost Burden & Living Wage • Substandard Housing • Access to Opportunity The 2019 proposed fair housing plan embodies fewer goals than the City of Dubuque's last plan but includes a greater number of action items. Some goals and actions are carried forward from the last plan. Other action items are already underway, such as assessing the service array and considering better coordination and thus are assumed to be achievable in the near -term. Last, making fair housing progress will strengthen the city and accelerate it toward reaching the vision of a more viable, livable and equitable community. Importantly, the City should establish a clear structure and process for overseeing the implementation of actions to overcome the impediments identified. This can involve two things: (1) creating a SMART plan (specific, measurable, agreed upon and time -bound); and (2) creating a new accountability group responsible for oversight of progress under the fair housing plan. 80 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Given the number of housing recommendations generated by the community for Imagine Dubuque, and the robust interest of residents who participated in this AI, it appears that the community is compelled by housing needs and fair housing choice issues. If the City chooses to create a new group or sub- commission to oversee the fair housing SMART plan, the group's composition should be diverse in terms of age, sex, race and ethnicity. It should include residents that have been advocates for fair housing in the past and engage other individuals not be currently involved in committees and commissions. Benefits of this approach include advancing a new civic leadership opportunity, increasing City transparency, and building greater trust. 2019 Proposed Fair Housing Plan BARRIER PRIORITY ACTIONS Goal One: Advance equity with fair housing advocacy, education and enforcement. Housing Choice Vouchers are not accepted as source of income for rental units. High Continue obtaining accurate Housing Choice Voucher data from landlords as to the number of units, location of units, vacancies, and denials of rental applications; identify landlords unwilling to accept HCVs and conduct targeted outreach and education. Lack of communication and relationships between HCV tenants/applicants and landlords. Medium Implement communication and trust -building activities for landlords and HCV program participants such as "Meet and Lease" events or other national promising approaches. Human Rights Commission effectiveness. High Conduct an assessment of HRC and support capacity building efforts, including publication of a strategic plan. Fair housing materials not available in languages spoken in the community. High Review the inventory of fair housing education materials (e.g. fact sheets) and update to reflect the languages spoken in the community and what community members say they most want and need. Residents report they perceive bias and discrimination in public assisted and private housing practices. High Establish an external, independent fair housing testing program for residential, accessibility, sales and lending, or insurance discrimination to identify the problems members of protected classes face when seeking housing in Dubuque. Goal Two: Increase and promote safe, affordable housing. Lack of affordable, safe housing. High Continue implementation of the Imagine Dubuque strategies, and the City Housing and Community Development Department's efforts to affirmatively further fair housing through licensing and tiered inspections, making decisions more transparent. Lack of confidence that the City is focused on equitable housing choice for all residents. Medium To build community trust, publish short (e.g. one pager and/or data dashboard if possible) updates regarding the increase in safe, affordable housing. 81 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Recent predatory pricing practices by Mobile Home community owners are pricing people out of their residences. High City Council should take any and all appropriate action to protect the residents in mobile home communities. This protection may come in the form of an ordinance or other action that promotes safe, affordable housing for the over 800 Dubuque residents who live in mobile homes. Goal Three: Implement local government policies that encourage equity and decrease disparate impacts. Arrest records used as a barrier to acceptance of HCVs and background check process is confusing to residents. High Audit the background check process for disparate impact. Lack of eviction data and analysis to assess discrimination and disparities and provide support to residents facing evictions. High Implement quarterly review of eviction data to evaluate for disparities/discriminatory impact. Lack of living wage that empowers self-sufficiency; state law prohibits local control over minimum wage setting. Medium Educate regarding the impact of the state's current minimum wage and conduct activities to increase wages. Lack of a Source of Income Ordinance and/or state legislation creates disparate impact on protected classes. High Continue exploring a Source of Income Ordinance. Lack of access to child care is a barrier to opportunity such as employment. Medium Evaluate the potential for including child care proximity into housing development proposals and assess the feasibility of a local subsidy to support child care and/or preschool accessibility, affordability and quality. Goal Four: Increase access to opportunity and the building of social capital. Lower median earnings and wages for women. High Assess, develop and implement metrics and strategies to reduce the Gender Wage Gap. Negative perceptions about poverty impact fair housing and access to opportunity. High Increase community awareness about the impact of poverty and toxic stress on the brain; develop measurable equity and inclusion metrics. Law enforcement actions disproportionately impact people of color. High Evaluate disparities in arrest rates by race and detail metrics and actions to decrease racially disproportionate arrest rates. The nonprofit service array is confusing to consumers. Medium Use assessments currently underway (Equitable Poverty Prevention Plan process and another group's review) regarding the nonprofit services array and gaps 82 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA to make necessary improvements that increase access to opportunity. Lack of public transit may negatively impact access to educational opportunity. Low Assess the need for public transit to Northeast Iowa Community College programs in Peosta and make improvements as indicated. Figure 48 2019 Impediments, Goals and Actions 83 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE — CITY OF DUBUQUE, IA CONCLUSION Housing is a community's greatest asset and arguably the key indicator of a community's health. The City of Dubuque is an award -winning community that has earned positive recognition to be proud of: ■ All -America City - 2019, 2017, 2013, 2012, 2007 ■ LEED-Certified City - 2018 ■ Driftless North End Designated as Iowa Great Place - 2018 ■ Leading Environmentalism and Forwarding Sustainability (LEAFS) Award - 2018 ■ Livability Award for Bee Branch Project - 2017 ■ Ranked #12 of "30 Best Small Cities in the United States" - 2017 ■ Bee Branch Project Recognized for Excellence and Innovation in Clean Water Infrastructure - 2017 ■ National Diversity Award - March 2016 Despite these honors, one in six Dubuque residents lives in poverty (16.3%). With poverty and housing inextricably linked, impediments to fair housing choice include the lack of affordable housing, substandard housing and excessive cost burden of housing. A chief concern is landlords' reluctance to accept housing vouchers as the source of income for renters. Residents' housing choices are also restricted by poverty and the low State minimum wage that have not kept pace with the cost of housing and cost of living. The City wishes to attract new businesses and ensure that current residents have the opportunity to thrive. It's comprehensive plan, Imagine Dubuque, provides strategies to improve housing choice and the livability of neighborhoods. A forthcoming Equitable Poverty Prevention Plan will provide additional strategies for increasing equity within the jurisdiction. This analysis notes that progress was not made on some past fair housing goals. Consequently, actions toward those goals are included in this proposed five-year fair housing plan. In particular, fair housing enforcement and source of income protections will be important building blocks to making the community more equitable for all residents. It almost goes without saying that the expansion of safe, affordable housing units is key to the future of Dubuque. Together with Imagine Dubuque and the forthcoming Equitable Poverty Prevention Plan, addressing fair housing impediments and related contributing factors can result in community transformation and ultimately, the achievement of Dubuque's vision for a viable, livable and equitable community. 84 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA END NOTES U.S. Department of Housing and Urban Development Office of Fair Housing and Equal Opportunity. Fair Housing Planning Guide: Volume 1, Chapter 1: Fair Housing Planning Historical Overview page 13. Accessed at https://www.hud.gov/sites/dfiles/FHEO/documents/Fair%20Housing%20Planning%20Guide 508.pdf. October 2019. Munson, Kyle. "Cross Burnings in Dubuque Show the City is Still in Turmoil Over Race." Des Moines Register (April 22, 2016; https://www.desmoinesregister.com/story/news local/kyle-munson/2016/04/22/cross-burnings- dubuque-show-city-still-turmoil-over-race/83229444/. Accessed October 2019. Id. Babb, Daniel, Bailey, Jody et al. "Portrait of Poverty in Dubuque, IA" 2010. https://outreach.uiowa.edu/projects/dubuque-portrait-poverty-dubuque. Accessed November 2019. " Barton, Thomas. "EXCLUSIVE: New poll shows safety, race relations top concerns for Dubuque residents, Telegraph Herald, January 28, 2018. https://www.telegraphherald.com/news/tri-state/article e6bfb8c2-529f- 5c67-8913-f0e16baa14d3.html. Accessed October 2019. Id. City of Dubuque, HUD Voluntary Compliance Agreement. https://www.cityofdubuque.org/DocumentCenter/View/22707/VCA FullyExecuted 033114---Web?bidld=. Accessed October 2019. Gould, Elise. "Wage Growth for Low Wage Workers Has Been Strongest in States With Minimum Wage Increases." Economic Policy Institute. March 5, 2019. Accessed at https://www.epi.org/publication/wage-growth- for-low-wage-workers-has-been-strongest-in-states-with-minimum-wage-increases/. November 2019. National Low Income Housing Coalition, "The Gap: A Shortage of Affordable Homes March 2019." https://reports.nlihc.org/gap. Accessed November 2019. Iowa Legal Aid. https://www.iowalegalaid.org/resource/can-i-expunge-my-adult-criminal-conviction-in- 1?ref=y3uf1. Accessed December 2019. xi U.S. Department of Housing and Urban Development, HUD ANNOUNCES NEW PROTECTIONS FOR VICTIMS OF HARASSMENT AND SURVIVORS OF DOMESTIC VIOLENCE (September 16, 2016). https://archives.hud.gov/news/2016/pr16-134.cfm and also see Office of General Counsel Guidance on Application of Fair Housing Act Standards to the Enforcement of Local Nuisance and Crime -Free Housing Ordinances Against Victims of Domestic Violence, Other Crime Victims, and Others Who Require Police or Emergency Services. https://archives.hud.gov/news/2016/pr16-134-FinalNuisanceOrdGdnce.pdf. Accessed November 2019. x" American Bar Association, "Resolution, August 14-15, 2017." https://www.housingmobility.org/aba-resolution- 119a-urging-u-s-governments-to-enact-legislation-prohibiting-discrimination-in-housing-on-the-basis-of-lawful- source-of-income-adopted-by-aba-housing-of-delegates-august-14-15-2017/. Accessed October 2019. x"' Fair Housing Improvement Act of 2018 (5. 3612), introduced by Senators Hatch and Kaine, https://www.congress.gov/bill/115th-congress/senate-bill/3612, American Housing and Economic Mobility Act (S. 3503), introduced by Senator Warren, https://www.congress.gov/bill/115th-congress/senate-bill/3503, and a companion bill (H.R. 7262) introduced in the House by Reps. Richmond, Cummings, Lee, and Moore https://www.congress.gov/bill/115th-congress/house-bill/7262. Accessed October 2019. xiv HUD Office of Policy Development and Research, "Landlord Participation Study." February 11, 2019. https://www.huduser.gov/portal/pdredge/pdr-edge-research-052819.html. Accessed November 2019. "Jacobson, Ben. "Dubuque landlords to pay more than $50,000 to settle class-action lawsuit over illegal lease." Telegraph Herald (November 6, 2019). https://www.telegraphherald.com/news/tri-state/article 85b50dbd-7db8- 51b4-816f-be9ab334f60d.html. Accessed November 2019. 'Sharkey, Patrick. Neighborhoods and the Black -White Mobility Gaps. July 2009. https://www.pewtrusts.orgNmedia/legacy/uploadedfiles/wwwpewtrustsorg/reports/economic mobility/pewsh arkeyvl2pdf.pdf. Accessed October 2019. 85 12019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA Xv" Id. """ HUD User Portal. https://www.huduser.gov/portal/periodicals/em/summerl2/highlightl.html. Accessed October 2019. ' Alter, Ethan; Avre, Zack; and Slovin, Illan. Building a Lattice to Success: Workforce Inclusion & Community Co - Creation in Dubuque, IA (May 2019). https://www.dbqfoundation.org/sites/default/files/reports/usa lab dubuque final report 2019.5.13.pdf. Accessed October 2019. " Iowa Policy Project, 2019 Research. Accessed at http://www.iowapolicyproiect.org/2019Research/190924-COL- Partl.html. November 2019. ' Id. '1Gourevitch, Ruth; Greene, Solomon; Pendall, Rolf. "Place and Opportunity: Using Federal Fair Housing Data to Examine Opportunity across US Regions and Populations," June 28, 2018. https://www.urban.org/research/publication/place-and-opportunity-using-federal-fair-housing-data-examine- opportunity-across-us-regions-and-populations . Accessed October 2019. ""' Cohen, Rachel M. "Education Isn't The Key to a Good Income." The Atlantic. September 26 , 2017. https://www.theatlantic.com/education/archive/2017/09/education-and-economic-mobility/541041/. Accessed October 2019. x"'vx"'v I d . XX" Id. Alter, Ethan; Avre, Zack; and Slovin, Illan. Building a Lattice to Success: Workforce Inclusion & Community Co - Creation in Dubuque, IA (May 2019). https://www.dbqfoundation.org/sites/default/files/reports/usa lab dubuque final report 2019.5.13.pdf. Accessed October 2019. Id. Haubenstock, Luke, Lawrence, Jennifer, and Talanian, Karla. Scientific American blog. "Soft Skills in the Life Sciences: To Reduce the Talent Gap, Companies Must Invest In Developing These Abilities." November 1, 2019. Accessed at https://blogs.scientificamerican.com/observations/soft-skills-in-the-life-sciences/. November 2019. "x'x Iowa Policy Project. Research 2019. Accessed at http://www.iowapolicyproiect.org/2019Research/190924-COL- Partl.html. October 2019. 86 2019 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE - CITY OF DUBUQUE, IA APPENDIX A. Definitions and Key Data Sources Affordable Housing Affordability of housing is relative to income generated per household. The most commonly used statistic for gauging affordability is 30% of a household's income, meaning that a household spending up to 30% of their income towards housing related expenses equates to affordability. Renters housing costs, for example, may include utilities. Homeowner costs may include things like insurance, mortgage payment and anticipated costs of repair, taxes and also utilities. American Community Survey (ACS) ACS is an ongoing survey conducted by the US Census Bureau that provides data estimates every year. ACS data is used to show characteristics and trends in populations, not hard counts. In this AI, five-year data is used when available to increase the accuracy and readers' understanding of trends; ACS five-year estimates 2013-2017 are the primary data source in the City's 2019 Analysis of Impediments. Community Development Block Grant (CDBG) CDBG is a federal grant program administered by the US Department of Housing and Urban Development (HUD) that provides funding for community development opportunities. For municipalities with populations over 50,000 are called entitlement communities. The goal of the CDBG program is to provide benefit to low- and medium income households to ensure affordable housing opportunity, provide services to vulnerable populations, and support economic development opportunities. Comprehensive Housing Affordability Strategy (CHAS) CHAS data is a US Department of Housing and Urban Development (HUD) custom tabulation of ACS data from the US Census Bureau that are not available through standard Census products. Datasets are typically released a year behind ACS tabulations, but have increased precision of tabulations, especially among housing -related data. These data are meant to demonstrate the extent of housing problems and housing needs, particularly for low-income renter households. Fair Housing Act (FHA) The FHA is a broad statute that prohibits discrimination based upon race, color, religion, sex, national origin, disability, or familial status in the majority of housing transactions. Everyone is covered by the FHA. Home Mortgage Disclosure Act (HMDA) The HMDA is a data source supplied in part by mandatory reporting of loan applications within metropolitan statistical areas. HMDA data is used in this report to show loan originations and denials only, by race, for first -liens on owner -occupied housing. 87 Housing Choice Voucher (HCV) HCV is a major program by the federal government to assist the very low income families, the disabled and the elderly to access safe, sanitary and decent housing available in the private market. Often referred to as "Section 8." Housing Cost Burden When a household spends more than 30% of adjusted gross household income on housing, they are considered cost burdened. Households that spend more than 50% of their household income on housing are considered severely cost burdened. HUD Area Median Family Income (HAMFI) HAMFI is a measure of median income by household calculated by HUD determined housing markets, largely based on metropolitan statistical areas. While HAMFI does not provide the precision of a County Median Income or City Median Income, HAMFI offers HUD the ability to adjust median income by known household size in CHAS tabulations, providing more consistent data metrics across demographics. CDBG programs define "low-income" households as earning below 50% of the Area Median Income, while under Section 8 Housing Assistance Payments a household earning 50% of the Area Median Income or under would be considered "very low-income". These income definitions vary by program across all income levels. For the purposes of this report, a variation of the most common definitions is used to describe the income levels of households of various sizes. These income categories are: EXTREMELY LOW-INCOME (ELI) ELI households earn less than or equal to 30% of the HUD Area Family Median Income as measured by MSA, adjusted for family size. Per HUD 2018 FY Income Limits, a household of four (4) in Dubuque, IA MSA earning less than or equal to $27,500 annually would be considered an extremely low-income household. These households fall into the broader low-income classification. VERY LOW-INCOME (VLI) VLI households earn greater than 30% but less than or equal to 50% of the HUD Area Family Median Income as measured by MSA, adjusted for family size. Per HUD 2018 FY Income Limits, a household of four (4) in Dubuque, IA MSA earning greater than $27,500 but less than or equal to $45,850 annually would be considered a very low-income household. These households fall into the broader low income classification. LOW-INCOME (LI) LI households earn greater than 50% but less than or equal to 80% of the HUD Area Median Family Income as measured by MSA, adjusted for family size. Per HUD 2018 FY Income Limits, a household of four (4) earning greater than $45,800 but less than or equal to $71,900 annually would be considered a low-income household. These households fall into the broader low- income classification. MODERATE -INCOME (MI) MI households earn greater than 80% but less than or equal to 100% of the HUD Area Median Family Income as measured by MSA, adjusted for family size. Per HUD 2018 FY Income Limits, a household of four (4) earning greater than $71,900 but less than or equal to $91,700 annually would be considered a moderate income household. 88 MODERATE TO HIGH -INCOME (MHI) MHI households earn greater than 100% but less than or equal to 140% of the HUD Area Family Median Income as measured by MSA, adjusted for family size. Per HUD 2018 FY Income Limits, a household of four (4) earning greater than $91,700 but less than or equal to $128,400 annually would be considered a moderate to high -income household. VERY HIGH -INCOME (VHI) VHI households earn greater than 140% of the HUD Area Family Median Income as measured by MSA, adjusted for family size. Per HUD 2018 FY Income Limits, a household of four (4) earning greater than $128,400 annually would be considered a very high -income household. Iowa Finance Authority (IHFA) IFA administers statewide affordable housing programs including mortgage and down payment assistance, as well as programs that assist in the development and preservation of affordable rental properties. IFA also offers programs to assist in community development and maintains a searchable database —Iowa Interactive Dashboard —a key data source for this Al. U.S. Department of Housing and Urban Development (HUD) The federal government agency that implements law, policies and programs related to housing and community development. HUD was created to strengthen the housing market and fair access to it. 89 B. Table of Figures FIGURE 1 2019 PROPOSED FAIR HOUSING PLAN 4 FIGURE 2 CITY OF DUBUQUE CITY LIMITS: SOCIAL EXPLORER 5 FIGURE 4 COMMUNITY ENGAGEMENT (PARTICIPANTS) SUMMARY 12 FIGURE 5 COMMUNITYWIDE SURVEY PARTICIPANT DEMOGRAPHICS 18 FIGURE 7 WORDCLOUD IMAGE SUMMARY OF RESPONSES TO "OTHER" STRATEGIES 19 FIGURE 9 POVERTY SURVEY 2019 RESPONSES (SNAPSHOT) 22 FIGURE 10 FAIR HOUSING COMPLAINTS SOURCE: CITY OF DUBUQUE HUMAN RIGHTS DEPARTMENT 32 FIGURE 11 CITY OF DUBUQUE POPULATION CHANGE OVER TIME 2010-2018 36 FIGURE 12 US CENSUS BUREAU AMERICAN COMMUNITY SURVEY 5-YEAR ESTIMATES 2013-2017 36 FIGURE 13 LOW INCOME BLACK OR AFRICAN AMERICAN ALONE POPULATION SOURCE: ACS 2017 5-YEAR ESTIMATES, HUD CPD MAPS 37 FIGURE 14 AGE & SEX AS PERCENTAGE OF POPULATION. SOURCE: CENSUS BUREAU 38 FIGURE 15 SOURCE: DATA USA DUBUQUE PROFILE AT HTTPS://DATAUSA.1O/PROFILE/GEO/DUBUQUE- IA#HOUSING 39 FIGURE 16 WORLD REGION OF BIRTH OF FOREIGN BORN RESIDENTS. SOURCE: ACS 2017 5-YEAR ESTIMATES, CENSUS BUREAU 40 FIGURE 17 HOUSEHOLDS AND FAMILIES. SOURCE: ACS 2017 5-YEAR ESTIMATES, CENSUS BUREAU 41 FIGURE 18 COUNT OF DISABILITY BY TYPE (ALL AGES) 42 FIGURE 19 FAMILY HOUSEHOLDS LIVING BELOW POVERTY LEVEL. SOURCE: ACS 2017 5-YEAR ESTIMATES, SOCIAL EXPLORER 45 FIGURE 20 ACS 2017 5-YEAR ESTIMATES, U.S. CENSUS BUREAU 46 FIGURE 21 EDUCATIONAL ATTAINMENT. SOURCE: ACS 2017 5-YEAR ESTIMATES, CENSUS BUREAU 47 FIGURE 22 SOURCE: DATA USA HTTPS://DATAUSA.1O/PROFILE/GEO/DUBUQUE-IA#ECONOMY 48 FIGURE 23 SOURCE: SOURCE: DATA USA DUBUQUE PROFILE AT HTTPS://DATAUSA.1O/PROFILE/GEO/DUBUQUE- IA#HOUSING 48 FIGURE 24 CHART 9 HOUSING BY TYPE (COUNT). IOWA HOUSING FINANCE AUTHORITY 2019 51 FIGURE 25 HOUSING TYPES & HOUSEHOLD RACE AND ETHNICITY. SOURCE: ACS 2017 5-YEAR ESTIMATES 51 FIGURE 26 HOUSING STRUCTURES YEAR BUILT PERCENTAGES 52 FIGURE 27 PUBLICLY SUPPORTED HOUSING. SOURCE: HUD AFFHT 0004 53 FIGURE 28 HEAT MAP OF PUBLICLY SUPPORTED RENTAL HOUSING. SOURCE OF INCOME COMMITTEE REPORT (DECEMBER 2018) 54 FIGURE 29 PERCENT OF HOUSEHOLDS WITH HOUSING PROBLEM. SOURCE: HUD AFFHT0004 55 FIGURE 30 COMPREHENSIVE HOUSING AFFORDABILITY STRATEGY DATA REPORT 2019 56 FIGURE 31 INCOME BY HOUSING PROBLEMS (RENTERS). CHAS REPORT 2019 57 FIGURE 32 INCOME BY HOUSING PROBLEMS (OWNERS). CHAS REPORT 2019 57 FIGURE 33 HUD AFFH MAPPING 58 FIGURE 34 FUTURE LAND USE 2030 MAP. SOURCE: CITY OF DUBUQUE 59 FIGURE 35 LOW POVERTY INDEX MAP. SOURCE: HUD AFFHT0004 65 FIGURE 36 PERCENTAGE FAMILIES LIVING BELOW POVERTY LEVEL. SOURCE: ACS 2017 5-YEAR ESTIMATE, SOCIAL EXPLORER 66 FIGURE 37 2018 POVERTY THRESHOLDS. SOURCE: CENSUS BUREAU 66 FIGURE 38 SCHOOL PROFICIENCY INDEX. SOURCE: HUD AFFHT0004 68 FIGURE 39 PERCENTAGE OF TOTAL POPULATION UNDER 18 YEARS. SOURCE: ACS 2017 5-YEAR ESTIMATE, SOCIAL EXPLORER 69 FIGURE 41 JOBS PROXIMITY INDEX. SOURCE: HUD AFFHT0004 70 FIGURE 42 LABOR ENGAGEMENT INDEX. SOURCE: HUD AFFHT0004 71 FIGURE 43 UNEMPLOYMENT RATE. SOURCE: HUD CPD MAPPING TOOL 72 FIGURE 44 AVERAGE AUTO AND TRANSIT COSTS BY HOUSEHOLD PROFILE. SOURCE: HUD 73 90 FIGURE 45 LOW TRANSPORTATION COST INDEX. SOURCE: HUD AFFHT0004 74 FIGURE 46 TRANSIT TRIPS INDEX. SOURCE: HUD AFFHT0004 74 FIGURE 47 USDA FOOD ACCESS RESEARCH ATLAS 75 FIGURE 48 ENVIRONMENTAL HEALTH INDEX. SOURCE: HUD AFFHT0004 76 FIGURE 49 DISSIMILARITY INDEX. SOURCE: HTTPS://54.AD.BROWN.EDU/PROJECTS/DIVERSITY/INDEX.HTM 77 FIGURE 50 ISOLATION INDEX. SOURCE: HTTPS://S4.AD.BROWN.EDU/PROJECTS/DIVERSITY/INDEX.HTM 78 FIGURE 51 OPPORTUNITY ZONES. SOURCE: SOCIAL EXPLORER 79 FIGURE 52 2019 IMPEDIMENTS, GOALS AND ACTIONS 83 91 C. Community Participation Tools pub)11.c waft rnnkin7 riorvl along work for the -r irrr Focus Groups and Stakeholder Interviews Guide Introduction We're here today to gather your insights on the state and nature of poverty in Dubuque and your thoughts on ways to address it, so that those living in poverty can move forward and enjoy financially secure lives and well-being such security yields. COMMUNITY PARTNER PROVIDERS & PUBLIC SERVICE SECTOR QUESTIONS 1. According to most recent data from the City, the poverty rate in Dubuque is 16.3% (2019). [60% poor among Blacks (4% population)] 26% poor among (non -white) Hispanics (2% population). What would you say are the three leading causes of poverty in Dubuque? (Write down their three answers and then go around the room with each person citing what's on their list, omitting duplicates as you go). Background for Facilitator: Explore for common causes cited by past surveys and reports. A. Policies that create barriers or block access B. Lack of Education I Poor performing schools C. Lack of workforce training D. Lack of childcare and/or cost of childcare E. Transportation (can't afford car, poor public transportation to job) F. Health Issues and conditions (drug addiction, substance abuse, chronic illness, physical needs), disabilities, high medical bills. G. Mental Health Needs H. Low wages I. Unemployment/Underemployment/Limited employment opportunities J. Lack of services to raise out of poverty K. Substandard Housing L. Racial and/or gender bias and discrimination M. Language Skills (ELL) N. Inability to Pay Utility Bills [Poverty house of 4 is annual income of $25,750. Individual is $12,490.] 2. According to the annual Loras College's "Community Perception Survey" between 2017/2018 one out of four respondents agreed that poverty is the "biggest challenge for the Dubuque community." 92 Do you agree with this assessment? Is there something else that's a bigger challenge for the Dubuque community? (Explore for what it is). On a scale from 1 to 5 — with one being Poor and five as Outstanding how would you rank the Dubuque community's performance in addressing poverty issues. 3. What community services or programs do you believe are exceptionally successful in raising people out of poverty? Explore for how any of these relate back to (A-N) from Question 1 Hand -Out of Flyer with potential strategies for alleviating poverty: A. Increase the minimum wage B. Increase tax credits for low-income workers C. Increase cash assistance for families D. Expand subsidized daycare E. Spend more for medical benefits F. Spend more for affordable housing G. Make food stamps more available H. Guarantee everyone a minimum income 4. Are there any services or programs that are missing in Dubuque that could help eradicate poverty? Are there any services needed that are simply beyond your current capacity to provide? Explore for how any of these relate back to (A-N) from Question 1 5. Do you think there is a connection between poverty and race? If so, how? If not, could you tell us why you believe there is no relationship between them? Black respondents in the Community Perception Survey saw Race Issues as the "Biggest Challenge for the Dubuque Community significantly more than others (68% vs. 36%) — do you have any insights for the difference in this point of view? 6. How can diversity strengthen the Dubuque community's capacity to address issues of poverty? Please describe the kind of diversity you're speaking of. (e.g. Gender, race, religion, cultural). How can diverse groups contribute to the problem -solving of poverty in Dubuque? CONSUMER VERSION OF QUESTIONS 1. What do you think are the three major causes that lead people into poverty and keep them there? Explore for: A. Policies that create barriers or block access B. Lack of Education I Poor performing schools C. Lack of workforce training D. Lack of childcare and/or cost of childcare 93 E. Transportation (can't afford car, poor public transportation to job) F. Health Issues and conditions (drug addiction, substance abuse, chronic illness, physical needs), disabilities, high medical bills. G. Mental Health Needs H. Low wages I. Unemployment/Underemployment/Limited employment opportunities J. Lack of services to raise out of poverty K. Substandard Housing L. Racial and/or gender bias and discrimination M. Language Skills (ELL) N. Inability to Pay Utility Bills 2. What programs or services do you think are most helpful to people living in poverty? Are there any programs or agencies that are known as the "go to" place to get help? Do you have any experience with these services or know others who have — what's been their experience? 3. What barriers get in the way of people accessing services to address issues of living in poverty? Explore for obstacles related to Question One (A-N) 4. Are there any services or programs that are missing in Dubuque that could help eradicate poverty? Are there any services needed that are simply beyond your current capacity to provide? Explore for how any of these relate back to (A-N) from Question 1 5. What could government provide, facilitate or regulate that could help those living in poverty? Please look at the list and choose the three that you think are the most impactful to raise people out of poverty. Is there anything on the list that Dubuque could do more of? Explore for: A. Increase the minimum wage B. Increase tax credits for low-income workers C. Increase cash assistance for families D. Expand subsidized daycare E. Spend more for medical benefits F. Spend more for affordable housing G. Make food stamps more available H. Guarantee everyone a minimum income 6. Do you think there is a connection between poverty and race? If so, how? If not, could you tell us why you believe there is no relationship between them? Black respondents in the Community Perception Survey saw Race Issues as the "Biggest 94 Challenge for the Dubuque Community significantly more than others (68% vs. 36%) — do you have any insights to explain the difference in this point of view? 7. How can diversity strengthen the Dubuque community's capacity to address issues of poverty? Please describe the kind of diversity you're speaking of. (e.g. Gender, race, religion, cultural). How can people with the lived experience of living in poverty contribute to the problem -solving of poverty in Dubuque? How can their voices be heard? 95 Poverty Survey c wor making good ideas work for the better Dubuque Insights On Poverty Survey 1. When it comes to poverty in Dubuque, would you say it's: AVery Large Problem A Problem Unsure Somewhat Di a Problem Not a Problem 2. To what degree does each of the following lead to poverty? Very High Degree High Degree Unsure Moderate Degree Minimum Degree Lack of Education Poor Health Poor Mental Health Lack of Job Training Lack of Transportation Non English Speaking Substance Abuse/Addiction 3. To what degree do each of the following lead to poverty? Minimum Very High Degree High Degree Unsure Moderate Degree Degree Raciat andlor gender bias Unaffordable or lack of child care Low wages Lack of services to raise people out of poverty Lack of Jobs Substance abuse and/or addiction Other (please specify) 96 4. Do you think there's a connection between poverty and race? (Move the slider) No Connection O Somewhat Connected Absolutely Connected 5. Choose the top three strategies that you think reduce poverty the most. (Only check three) ElIncrease the minimum wage El Guarantee everyone a basic income ElImprove race relations El More affordable housing ❑ Increase cash assistance for families ❑ Increase tax credits for low-income workers ❑ Expand subsidized clay care ❑ Better public transportation ▪ Better access to health care (physical & mental) 0 More workforce training programs ❑ Make food stamps more available ❑ Other (please specify) ABOUT YOU 6. Please share your gender? U Female O Male O Other (please specify) 7. Please share your age: O 16-34 years O 35 - 45 years O 46- 55 years O 56-69 years O 70-plus years 97 D. Focus Group Notes Affordable Housing/Cost Burden/Living Wage ■ There's a gap between wages and housing costs; a living wage is needed. ■ We need safe and affordable housing (safe meaning pest -free, lead-free, etc.) ■ Middle-class people who look better on paper are moving their way into affordable housing that low-income people need, leaving us with even fewer options. ■ Most of the less expensive housing is downtown, concentrating poverty and fueling a culture of generational poverty. ■ The Housing Authority switched from waitlist prioritization to lottery (not needs -based). Why? ■ There are years -long waiting lists for housing. ■ Quality housing is very hard to come by. ■ Landlords do not maintain properties well and it is difficult for tenants to know how to go after them through the right channels/to afford to. Impacts ■ Only a few landlords currently accept residents on public assistance. The two landlords in town that do accept it are "the biggest slumlords in town" and if they are kicked out of the system, no one will accept it. ■ Moving between rentals is very expensive. It's hard to come up with money required for deposit and first month; old landlord may keep last deposit. ■ A lack of stability and good conditions in housing negatively contributes to students' mental health and ability to learn. ■ Properties are being left in such poor condition that it causes hopelessness. ■ Financial institution was not willing to loan us money to get a small house, so we have to keep paying money for rent (which often increases); we have no house to pass down to our children. ■ The families of the most at -risk learners are not connected to a mortgage and many students' families move around to several apartments. This means they may often hop between schools, impacting their learning. Protected Classes/Other Vulnerable Populations ■ There's a huge need for affordable disability housing because so many people in the Marshallese community have health problems — very high rates of diabetes, high rates of cancer, others (result of U.S. testing nuclear bombs on the islands, causing illnesses from radiation and devastating the food supply, replacing with highly processed food). ■ Undocumented people are afraid to speak up about bad landlords because their options for housing are limited and they worry landlords will take advantage of their status. ■ Affording housing is a big issue for seniors, too (rent around $1,000 a month). Elderly can't afford to move into assisted living or pay for nursing home care. There have been increases in elderly people —especially elderly women —at shelters. ■ Lots of income -based housing is specialized for seniors, people with disabilities, etc. It's hard to find affordable housing if outside of these categories. ■ The Marshall Islander population "doubles up" with family members. 98 ■ There were recently some changes allowing Marshallese to qualify for some housing assistance, the only type of government assistance that they are allowed to receive (no citizenship, no healthcare, no childcare, can't vote.) Law/Ordinances ■ Dubuque has a "nuisance ordinance" and a landlord can get fined if the cops have been called to an apartment a certain number of times; there is a stereotype that Section 8 residents are the ones for/on whom the police are called. ■ Mobile Homes: lot rent prices have increased significantly across the state (48% in two years) with residents having only three days to pay before receiving an eviction notice. Rents raised from $400 to $900 with utilities no longer included. I've heard a state legislator is looking into this. Corporations come in with "rent to own" deals and people get loans, but not mortgages. If you are evicted and have to abandon it, you get in trouble/are held accountable for it. The profiting landlord takes the trailer (which has been classified as "abandoned") and resells it. Not illegal, but it seems to require changes in state law and local ordinance. Arrests & Convictions: Checking the Box ■ It is very difficult to get housing as a formerly incarcerated person because you have to wait 7 years to get record expunged; arrests for marijuana for Black men seem high in Dubuque. ■ The extremely high rates that Dubuque, and Iowa overall, incarcerates black men for marijuana severely affect the ability of this population to get housing. ■ It's confusing, the background checks. Landlords are asking for arrest records —not even convictions —to deny rental applications. ■ Can't get housing (mostly due to "checking the box") and it leads to mental health problems. Suggestions ■ Landlords lack empathy/understanding for us (low-income people); they need mandatory training. ■ An anonymous donor from Re -Engage focused primarily on supporting single mothers pays for fully furnished apartments for these students, which makes a significant difference for them ■ A new complex opening soon (15t" Street Apartments) with low-income housing that doesn't have a checklist for formerly incarcerated, people with substance use histories, people with an eviction on their record; welcomes all. ■ The Washington Neighborhood Project is a successful initiative where money was fronted the cost of renovating some homes (lead regulations, electrical) and then sold them for reasonable prices, filling the area with more single-family units; "slumlords" had been using the houses in this neighborhood. ■ Housing with childcare built -into the building(s) would be extremely helpful. 99 . Survey: Open -Ended Comments These are verbatim comments to `Other' solutions to poverty survey question. Solution -Focused All of the above. Allow people to work and receive assistance. Often it is a choice of one or the other. None of the above reduces poverty. It is a mindset that needs to change and take responsibility to improve your life and the life of your family. Make the billionaires redistribute their wealth. Increase all wages across the board, Iowa and Dubuque have depressed wages that are not competitive with other states. Develop perseverance in young adults. Also encourage other companies to come to Dubuque with tax breaks to create more/better paying jobs. More mentoring/job shadowing so when get a job keep it. Educate on how to work your way up from a low paying job to a higher paying one. What may a career path look like? Increased income means increased work and increased responsibility. Totally de-commodify health care (or at least health insurance). Create safe, beautiful, enviable public housing, which will decrease the demand for for -profit housing. Public transportation needs to go where the jobs are. Like Peosta and the big factories that are hiring. Access to education. Education on money management, cycle of poverty. Better balance between assistance and work income (cliff effect) to allow people to move out of poverty and away from assistance. Education. Comprehensive Immigration Reform. Train workplaces to be trauma informed. Having the city council adopt the source of income; and ban the Box, which is clearly a way to help reduce the systemic racism. Some can't afford upkeep on home. Promote trades education. Basic Life Skills. Financial management. There are three factors will keep you from poverty: 1) Graduate High School 2) get a job any job and 3) don't have kids until you're married. Problem -Focused None of those would fix it. Personal Responsibility. Training with money management and strategies to get off of welfare/food stamps. Get and keep a job. If you have to work 3 jobs to get by then do it and don't expect other people to pay your way through life. Some people have to want to get out of poverty rather than being content to rely on assistance. Accept personal responsibility and not rely on assistance. 100 Many employers cannot find employees, lack of motivation is a large problem. Negative Perceptions Remove public housing and food stamps and poverty in Dubuque goes down. This will encourage people to get jobs. Employers all over Dubuque are already looking for workers. Send them back to Chicago. Have more checks and balances on the government programs that subsidize assistance to recipients. Drug testing, wellness checks, etc. Opportunities are available. Teach parents to teach their kids how to achieve a middle-class lifestyle. Until parents/guardians step up and instill work ethic in their children, poverty will persist. Give more to the working poor and less to those who do not want to work. Lack of personal accountability. Cut welfare. Stop making it easy!!! Eliminate entitlements and get to work. Cut assistance if they cannot pass a drug test Reduce the incentive to be nonproductive slugs. Reduce greed. Keep your pants on, both male and female. Teach people to live within their means. Make a job (they are out there), a requirement after so long on welfare. Still get assistance but they need to put in sweat equity like the rest of us. Take drug tests to get anything free. Get a job...or two. Make ends meet and become a contributing member of society instead of a drain on it. Crack down on the drug problem that is engulfing the US. It is the worst problem we as a nation face! Change the mentality of those already in poverty. Build a program that enables poverty-stricken people to learn how to better themselves, and move forward in life. Giving people more things doesn't do them any good, or the rest of society. 101 Masterpiece on the Mississippi Dubuque bilkil AII•Aeeriea City 111'I 2007.2012*2013 2017*2019 PROPOSED FY 21 ANNUAL PLAN FOR USE OF PROGRAM YEAR 2020 COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) FUNDS For Inclusion in the Fiscal Year 2021 City Budget. This document is subject to revision. Exhibit A 2 PREPARED BY THE CITY OF DUBUQUE HOUSING & COMMUNITY DEVELOPMENT DEPARTMENT CITY OF DUBUQUE, IOWA FY 2021 ANNUAL ACTION PLAN FOR THE USE OF PROGRAM YEAR 2019 COMMUNITY DEVELOPMENT BLOCK GRANT FUNDS The City of Dubuque distinguishes between four different but complementary areas of program development in its overall CDBG program: Housing Development, Economic Development, Neighborhood and Community Development and Planning & Administration. The following description of activities summarizes the projects to be completed in the FY 2021 Annual Action Plan with the use of CDBG funds; the adopted City Budget and recommended amended City Budget are shown in Exhibit A.: RESOURCES CDBG Entitlement 2021 $1,080,989 Program Income $254,192 Program income projects are based on forecast for loan repayments based on the loan portfolio and program income generated from CDBG funded programs. TOTAL RESOURCES $1,335,181 PLANNING AND ADMINISTRATION $242,504 CDBG regulations limit expenditure on planning and administrative funds to 20% of the current year program income plus the current entitlement. The proposed resources for administration support the plan's current requirements. Housing & Community Development Administration $70,143 On -going staff support for general management, oversight, and coordination of the Community Development Block Grant housing programs. Neighborhood Development Administration $63,818 The Neighborhood Development Specialist coordinates the City's neighborhood Development programs and provides technical assistance to organizations and residents to improve Dubuque's neighborhoods. Priority: High Objective/Outcome: Suitable Living Environment/Accessibility (SL1) Planning, Monitoring, & Budgeting $108,543 Staff support for general management. Oversight and coordination of the Community Development Block Grant program; assures compliance with federal regulations and reporting requirements. Priority: High Objective/Outcome: Suitable Living Environment/ Sustainability (SL3) 3 HOUSING DEVELOPMENT PROGRAMS $659,135 First Time Home Buyer Program Provides for loans to assist low and moderate -income are used to cover the "entry costs" of homeownership National Objective: Location: Proposed Accomplishments: Priority: Objective/Outcome: $50,000 families to purchase their first homes. These funds — down payments and closing costs. Low and Moderate -Income Housing Citywide 10 Households High Decent Housing/Affordability (DH2) Homeowner Rehabilitation $125,000 1) Residential Rehabilitation Loan Program An on -going program to provide low -interest loans to qualified low and moderate -income homeowners for the rehabilitation of substandard housing units. 2) Home Repair Program Zero % loans to improve conditions of property for income -eligible homeowners 3) Accessibility Zero % and forgivable loans to remove architectural barriers and increase access for people with physical disabilities. National Objective: Location: Proposed Accomplishments: Priority: Objective/Outcome: Low and Moderate -Income Housing Citywide 10 Housing Units High Decent Housing/Affordability (DH2) Lead Hazard Reduction (Lead & Healthy Homes Grant Match) $104,166 Provides activities in support of efforts to reduce lead paint hazards in housing, including assessment and lead paint reduction or abatement, with forgivable loans to low/Moderate-Income residents. National Objective: Location: Proposed Accomplishments: Priority: Objective/Outcome: Low and Moderate -Income Housing Citywide 10 Housing units High Decent Housing/Sustainability (DH3) Purchase/Rehab/Resale $45,000 Provides funding to address the redevelopment of sub -standard and vacant/abandoned city -owned properties. Properties acquired, rehabbed, and sold to low and Moderate -Income homebuyers or to property owners maintaining affordable rents. National Objective: Location: Proposed Accomplishments: Priority: Objective/Outcome: Low and Moderate -Income Housing Citywide 1 Housing Unit High Decent Housing/Affordability (DH2) Housing Rehabilitation Services and Staff $284,969 On -going staff support, including program management, technical assistance, loan packaging and inspection, for the City's rehabilitation loan program. Priority: High Objective/Outcome: Decent Housing/Accessibility (DH1) Rental Dwelling Rehabilitation Programs $50,000 1) Rental Rehabilitation Loan Program An on -going program to provide loans to qualified housing providers serving low and moderate - income residents for the rehabilitation of substandard housing units. 2) Emergency Code Enforcement Loan Program 4 Provides loans to correct code deficiencies and emergency or health and safety corrections for rental properties. The program prevents the displacement of economically disadvantaged tenants resulting from code enforcement actions. 3) Accessibility Rehab Provides forgivable loans to disabled tenants to make rental units accessible to the physically disabled National Objective: Low and Moderate -Income Housing Location: Citywide Proposed Accomplishments: 6 Housing Units Priority: High Objective/Outcome: Decent Housing/Affordability (DH2) PUBLIC FACILITIES $181,769 Comiskey Park $87,700 New playground equipment at Comiskey Park based on community input. National Objective: Location: Proposed Accomplishments: Priority: Objective/Outcome: Low and Moderate -Income Benefit Low/Mod Residential Areas Park Design/Community Input High Suitable Living Environment/Accessibility (SL1) Avon Park Replace play unit and add accessible surfacing at Avon Park. National Objective: Location: Proposed Accomplishments: Priority: Objective/Outcome: $94,069 Low and Moderate -Income Benefit Low/Mod Residential Areas Park Design/Community Input High Suitable Living Environment/Accessibility (SL1) NEIGHBORHOOD and COMMUNITY DEVELOPMENT PROGRAMS $251,773 Public Services activities are restricted to 15% of the previous year program income and the current year entitlement. Public Service activities in this plan represent 15% of the proposed expenditures. Neighborhood Recreation Programs $131,499 1) Recreation Programs: $81,718 Targeted and enhanced recreation offered in the City's older low -and moderate -income neighborhoods to meet the needs of at -risk youth, promote self-esteem, and build community. Activities include expanded after -school programs, open gym, basketball league, music lessons, playtime for tots, scholarships, swim passes, summer day camp and other recreational programs. 2) Neighborhood Recreation Program Grants: $49,781 Provide funding to organizations delivering recreational and educational services aligned with the neighborhood and recreation development goals of the Leisure Services Department. National Objective: Location: Proposed Accomplishments: Priority: Objective/Outcome: Low and Moderate -Income Benefit City wide 5,730 persons High Suitable Living Environment/Accessibility (SL 1) Four Mounds HEART Program $10,000 Youth education program where youth experience hands-on learning while promoting neighborhood revitalization and earning high school diploma. National Objective: Low and Moderate -Income Benefit Location: Citywide Proposed Accomplishments: Priority: Objective/Outcome: 5 12 People High Suitable Living Environment/Accessibility (SL1) Neighborhood Support Grants $14,500 This grant program provides resources for organized neighborhoods in low/mod income areas to encourage self -initiated revitalization efforts including physical improvements, clean-ups, communication efforts or other special projects. National Objective: Low and Moderate -Income Benefit Location: Low/Mod Residential Areas Proposed Accomplishments: 2,000 People Priority: High Objective/Outcome: Suitable Living Environment/Sustainability (SL3) Neighborhood Related Infrastructure Improvements National Objective: Priority: Objective/Outcome: $45,730 Low and Moderate -Income Benefit High Suitable Living Environment/Sustainability (SL3) 1) Bus Stop Improvements $20,730 ADA Accessible bus stop improvements including push lighting, cement pads, and benches. Location: Low/Mod Residential Areas Proposed Accomplishments: 3 Bus Stops 2) Multicultural Family Center Sidewalk Program $25,000 Grant program to income eligible homeowners, on a case -by -case basis, to pay a maximum of 75% of the cost to repair public sidewalks in front of their home. Grant amount varies based on percentage of area median income. Location: City Wide Proposed Accomplishments: 1 Sidewalk Purchase of Services: Grant Competition $37,961 Competitive grant program providing funding for organizations providing human service needs in the community. Services must be consistent with needs identified in the Consolidated Plan and the City's adopted goals and priorities. National Objective: Location: Proposed Accomplishments: Priority: Objective/Outcome: Low and Moderate -Income Benefit City Wide 1,200 People High Suitable Living Environment/Accessibility (SL1) Zoning Inspection/Enforcement $7,710 This project provides funding for inspection/enforcement staff services to low/mod income areas for zoning ordinance infractions and to provide support for neighborhood clean-up efforts. National Objective: Location: Proposed Accomplishments: Objective/Outcome: Low and Moderate -Income Benefit Low/Mod Residential Areas 45 Housing Units Decent Housing/Sustainability (DH3) Vacant/Abandoned Building Inspection $4,373 This project provides funding for part-time inspection staff to ensure sustained code compliance in vacant and abandoned buildings in low/mod income areas. National Objective: Low and Moderate -Income Benefit Location: Low/Mod Residential Areas Proposed Accomplishments: 25 Units Objective/Outcome: Decent Housing/Sustainability (DH3) Grand Total: CDBG Funding Proposed for FY 2020 $1,335,181 COMMUNITY DEVELOPMENT BLOCK GRANT - FY 2021 ANNUAL ACTION PLAN: CAPS 20 % ADMINISTRATIVE CAP FY 21 CDBG Allocation Current Year Program Income Total Available Cap Maximum allowed 1,080,989 254,192 1,335,181 20% 267,036 ADMIN FY21 AP First Time Homebuyer Program Comiskey Park Development Avon Park Development Homeowner Rehab (Small & Large) Housing Rehabilitation Services and Staff Lead Hazard Reduction Purchase/Rehab/Resale Rental Unit Rehabilitation Bus Stop Improvements Neighborhood Infrastructure Improvements Zoning Inspection/Enforcement Vacant/Abandoned Building Inspection Neighborhood Recreation Program Neighborhood Support Grants Four Mounds HEART Purchase of Services Neighborhood Development Services and Staff Housing Administration CDBG Admin. Services and Staff TOTALS 63,818 70,143 108,543 242,504 Subtract Previous Year Unspent Public Service Obligations TOTAL PROPOSED FOR PUBLIC SERVICE OVER (UNDER) Maximum Cap (24,532) 115 % PUBLIC SERVICE CAP 1,080,989 261,576 1,342,565 15% 201,385 FY 21 CDBG Allocation Previous Year Program Income Total Available Public Service Cap % Maximum allowed PUB SERVICE FY21 AP 131,499 14,500 10,000 37,961 193,960 193,960 (7,425) UNCAPPED FY21 AP 50,000 87,700 94,069 125,000 284,969 104,166 45,000 50,000 20,730 25,000 7,710 4,373 898,717 FISCAL YEAR 2021-2025 5-YEAR CONSOLIDATED PLAN & FY 2021 ANNUAL ACTION PLAN COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) Community Development Block Grant OBJECTIVES 6-0 pee i� iIF Eliminate Slum and Blight MI 111161111114111t Benefit Low- and Moderat Income Populations Meet an Urgent Need COMMUNITY DEVELOPMENT BLOCK GRANT ALLOCATIONS $1,200,000 $1,126,998 $1,000,000 $800,000 $600,000 $400,000 $200,000 $- $928,372 $974,408 $954,448 $954,011 $963,306 $968,236 $1,073,776 $1,080,989 $1,100,360 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 Community Development Advisory Commission Meeting: 3rd Wednesday of every month at 5:30 p.m. Location: Historic Federal Building, 3rd Floor Gerald Hammel, Jr. Michelle Hinke Hillary Dalton Janice Craddieth Thomas Wainwright Kelly Fox i Dean Boles Julie Woodyard Community Development Block Grant 5 Year Consolidated Plan 2021-2025 What We Learned: C o s t Burden: 25 of the City of Dubuque's e's population is : c.. _ :: rdened or severely cost burdened. Seicre CO L Runk n 13% 13% H 0IJ sing Problem 5:Cost burden continuestc' be by far the most common housing problem. Minority groups experience a disproportionately greater need. Cost Burden Kitchen Overcrowding Plumbing 2C{:c • -- *National Cost Burden Percent from 2017 Census Data = 49.5% Cost Burdened, 24.7% Severely Community Development Block Grant 5 Year Consolidated Plan 2021-2025 Identified Priorities: . 1.ili Housing Needs • AFH: Fair Housing Education and Outreach • Analysis of rent increase in Mobile Home Housing • Accessible housing for Special Needs Population • Diversified Neighborhoods • Eliminate Lead Based Paint and other Hazards • Expand acceptance of HCVs community wide • Rapid Rehousing • Homeless- Shelter Beds • Home Ownership Opportunities • Improve existing owner - occupied structures • Improve physical environments • Legal Support and Education on Fair Housing • Maintain Safety through Code E nforcement • More Affordable Housing Units • New Affordable Housing _p Q Non -Housing Needs • Non -Housing Community Needs • High Speed Internet Access • Increase Self Sufficiency • Increasing Social Capital • Support Services- Employment and Child Care • Support Services- Employment Wages and income • Support Services- Human Services • Support Services- Mental Health & Substance Abuse Community Development Block Grant 5 Year Consolidated Plan 2021-2025 Five Year Strategic Goals: Assist the Homeless - nd At -Risk o Homelessness Assist Special Needs Population Develop New Affordable Housing Units Direct Home Ownership Assistance Advance Equity with Fair Housing Activities Support Neighborhood Development and Improvements Neighborhood Youth Services and After Care Encourage Self -Sufficiency Public/Human Services Provide Inspection and Code Enforcement Maintain Existing Affordable Housing .1111 FY2021 Annual Action Plan Estimated Entitlement $1,100,360 Program Income $254,192 Recreation Activites First -Time Homebuyer Repayments Homeowner Loan Repayments Infill Loan Repayments Rental Loan Repayments Closing Costs for Homeowner Activities $ 61,422 $ 156,500 $ 5,000 $ 22,000 $ 4,500 Total Resources $1,354,552 Housing & Community Development Neighborhood Development Creating quality, affordable housing opportunities & suitable living environments for low- mod -income populations. 14:fiik $421,519 First Time Homebuyer Homeowner Rehab Zoning Inspection/Enforcement Lead Hazard Reduction Purchase/Rehab/Resale Rehab Program Services & Staff Rental Dwelling Rehab $ $ $ $ $ $ $ Vacant/Abandoned Building Inspection $ 50,000 125,000 7,710 104,166 45,000 284,969 50,000 4,373 1 V4 #144,* At $671,218 Bus Stop Improvements Recreation Programming Recreation Programming Grants Four Mounds HEART Comiskey Park Development Avon Park Development Neighborhood Grants Multicultural Family Center Sidewalk Purchase of Services Grants 20,730 $ 81,718 $ 49,781 $ 10,000 $ 87,700 $ 94,069 $ 14,560 $ 25,000 $ 37,961 Community Development Block Grant CDBG Resources Advancing City Council Goals Livable Neighborhoods & Housing $671718 First Time Homebuyer Homeowner Rehabilitation Lead Hazard Reduction Rental Unit Rehabilitation Financially Responsible, High - Performance Government i $242,504 Administration r Diverse Arts, Culture, Parks, & Recreation Experiences $313,268 Park Development Neighborhood Recreation Program pi P Partnership for a Better Dubuque $62,461 Neighborhood Support Grant Four Mounds HEART I Purchase of Services Connected Community $45,730 Bus Stop Improvements Sidewalk Improvements Fiscal Year 2021 Annual Action Plan Summary ibk $671,218 Housing & Community Development 1 First Time Homebuyer Homeowner Rehab Zoning Inspection/Enforcement Lead Hazard Reduction Purchase/Rehab/Resale Rehab Program Services & Staff Rental Dwelling Rehab Vacant/Abandoned Building Inspection $ 50,000 $ 125,000 $ 7,710 $ 104,166 $ 45,000 $ 284,969 $ 50,000 $ 4,373 *or At* $421,459 Neighborhood Development Bus Stop Improvements Recreation Programming Recreation Programming Grants Four Mounds HEART Comiskey Park Development Avon Park Development Neighborhood Grants Multicultural Family Center Sidewalk Improvement Purchase of Services Grants $ 20,730 $ 81,718 $ 49,781 $ 10,000 $ 87,700 $ 94,069 $ 14,500 $ 25,000 $ 37,961 * $242,504 Planning & Administratio Admin. Services and Staff $ 108,543 Housing Program Administration $ 70,143 Neighborhood Development Administration $ 63,818 Fiscal Year 2021 Allocation Received February 24th Budgeted Estimate: Actual Allocation: $1,080,989 $1,100,360 $5,000 d6RACE Additional Revenue: $19,371 iwswGecDMOTY 5E1EOPMET GEPi, Comments Welcome Housing & Community Development Department 563-589-4230 clester@cityofdubuque.org https://www.cityofd u buq ue.org/2678/Com m u n ity- Development-Block-Grant STATE OF IOWA {SS: DUBUQUE COUNTY CERTIFICATION OF PUBLICATION I, Suzanne Pike, a Billing Clerk for Woodward Communications, Inc., an Iowa corporation, publisher of the Telegraph Herald, a newspaper of general circulation published in the City of Dubuque, County of Dubuque and State of Iowa; hereby certify that the attached notice was published in said newspaper on the following dates: February 14, 2020, and for which the charge is $23.25 Subscribed to before me, a Notary Public in and for Dubuque County, Iowa, this (H day of < LC) Notary Publ. and for Dubuque Cou tin y, Iowa. , 20 a) JANET K. PAPE Commisslon Number 19:9859 My Comm.. Exp. DEC 11, 20:22 CITY OF DUBUQUE, IOWA OFFICIAL NOTICE PUBLIC- NOTICE is hereby given that the City Council of the City of Dubuque, Iowa, will hold a public hearing,' on the 26th day'' of February 2020 at 6:00 p.m. in the Historic Federal Building, 350 West Sixth Street, 2nd floor, Dubuque, IoWa, at which meeting the City Council proposes to approve, the Com- munity .;'Development: Block Grant 5-Year" Consolidated Plan (2021-2025) and .inclu- sion of the Fiscal Year 2021 Annual Action Plan in the Fiscal Year 2021 City Budget. At the meeting, the City Council will r.re- ceive oral and written comments from ` any resident or property owner of said City to the above action. Writ- ten comments 'regard- ing the above public'''. hearing may, be sub, mitted to the Housing & Community Develop- ment Department, 350 ' W 6th Street, Suite 312, on or before said time of public hearing. Copies of supporting documents for the pub- lic hearings are on file in the City Clerks Of- fice, City Hall, 50 W. 13th St., Dubuque, Iowa, and may be viewed during normal working hours. -Individuals-with-limit— ed English proficiency, vision, hearing or speech impairments or. requiring special assis- tance should contact the City Clerks Office at , (563) 589-4100, TDD/TTY (563) 690' 6678, - ctyclerk@cityof dubuque.org as soon as feasible. Deaf or hard -of -hearing indi- viduals can use Relay Iowa by dialing 711 or (800) 735-2942. Dated this 14th day of February 2020. Kevin S. Firnstahl, CMC, City Clerk Published officially in the Telegraph Herald newspaper on the 14th day of February 2020. It 2/14 OMB Number: 4040-0004 Expiration Date: 12/31/2019 Application for Federal Assistance SF-424 * 1. Type of Submission: Preapplication 0 Application Changed/Corrected Application * 2. Type of Application: * If Revision, select appropriate letter(s): ❑ New ® Continuation Other (Specify): ❑ Revision 4. Applicant Identifier: v 5a. Federal Entity Identifier: 5b. Federal Award Identifier: IA191464 DUBUQUE State Use Only: 6. Date Received by State: 7. State Application Identifier: 8. APPLICANT INFORMATION: *a. Legal Name: CITY OF DUBUQUE * b. Employerrfaxpayer Identification Number (EIN/TIN): * c. Organizational DUNS: 0931053020000 42-6004593 d. Address: * Street1: CITY OF DUBUQUE BUDGET DEPARTMENT Street2: 50 W 13TH ST * City: County/Parish: DUBUQUE DUBUQUE * State: IA: Iowa Province: *Country: USA: UNITED STATES * Zip / Postal Code: 52001-4 805 e. Organizational Unit: Department Name: Division Name: f. Name and contact information of person to be contacted on matters involving this application: Prefix: Ms Middle Name: . * First Name: Alexis * Last Name: Steger Suffix: Title: Housing & Community Development Director Organizational Affiliation: CITY OF DUBUQUE *Telephone Number: 563-589-4230 Fax Number: 563-589-4149 *Email: asteger@cityofdubuque.org Application for Federal Assistance SF-424 * 9. Type of Applicant 1: Select Applicant Type: C: City or Township Government Type of Applicant 2: Select Applicant Type: Type of Applicant 3: Select Applicant Type: * Other (specify): * 10. Name of Federal Agency: U.S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT 11. Catalog of Federal Domestic Assistance Number: CFDA Title: L- * 12. Funding Opportunity Number: PUBLIC LAW * Title: PROGRAM YEAR 2020 OFFICE OF COMMUNITY PLANNING AND DEVELOPMENT CPD FORMULA PROGRAMS: COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) 13. Competition Identification Number: Title: 14. Areas Affected by Project (Cities, Counties, States, etc.): AddP,ttachriient-�;eletsP�t�achrrrrt ahe�u�ttachmentd * 15. Descriptive Title of Applicant's Project: JURISDICTIONS FISCAL YEAR 2021 ANNUAL ACTION PLAN FOR THE USE OF CDBG FUNDS. INCLUDES FUNDING FOR HOUSING, ECONOMIC DEVELOPMENT, NEIGHBORHOOD & COMMUNITY DEVELOPMENT, AND ADMINISTRATIVE COSTS. Attach supporting documents as specified in agency instructions. Add Attaehmentsi#t�kces 1aaeN Application for Federal Assistance SF-424 16. Congressional Districts Of: *a. Applicant IA-1 * b. Program/Project IA-1 Attach an additional list of Program/Project Congressional Districts if needed. Add AttachmentIN CetNc��it�, 17. Proposed Project: *a. Start Date: 07/01/2020 *b. End Date: 06/30/2021 18. Estimated Funding ($): *a. Federal 1,100,184.001 * b. Applicant s� *c. State_.,,y *d. Local *e. Other 997, 380. 00 * f. Program Income 512,812.001 *g.TOTAL 2,610,376.00 * 19. Is Application Subject to Review By State Under Executive Order 12372 Process? a. This application was made available to the State under the Executive Order 12372 Process for review on El b. Program is subject to E.O. 12372 but has not been selected by the State for review. QX c. Program is not covered by E.O. 12372. * 20. Is the Applicant Delinquent On Any Federal Debt? (If "Yes," provide explanation in attachment.) Yes ® No If "Yes", provide explanation and attach 21. *By signing this application, I certify (1) to the statements contained in the list of certifications** and (2) that the statements herein are true, complete and accurate to the best of my knowledge. I -also provide the required assurances** and agree to comply with any resulting terms if I accept an award. I am aware that any false, fictitious, or fraudulent statements or claims may subject me to criminal, civil, or administrative penalties. (U.S. Code, Title 218, Section 1001) QX ** I AGREE ** The list of certifications and assurances, or an internet site where you may obtain this list, is contained in the announcement or agency specific instructions. Authorized Representative: Prefix: Mr. * First Name: ROY Middle Name: D. * Last Name: BUOL Suffix: * Title: MAYOR * Telephone Number: 563-564-5455 Fax Number: *Email: RBUOL@CITYOFDUBUQUE.ORG *Signature of Authorized Representative: *Date Signed:137