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Consolidated Plan and Analysis of Impediments to Fair Housing FY 2011Masterpiece on the Mississippi Dubuque AU•AmedcaCity 1 2007 TO: The Honorable Mayor and City Council Members FROM: Michael C. Van Milligen, City Manager SUBJECT: FY2011- FY2015 Consolidated Plan and Analysis of Impediments to Fair Housing DATE: April 13, 2010 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. Housing and Community Development Department Director David Harris recommends City Council approval of the FY2011 -2015 Consolidated Plan and Analysis of Impediments to Fair Housing. I concur with the recommendation and respectfully request Mayor and City Council approval. Mi ael C. Van Milligen MCVM:jh Attachment cc: Barry Lindahl, City Attorney Cindy Steinhauser, Assistant City Manager David Harris, Housing and Community Development Department Director Masterpiece on the Mississippi To: Michael Van Milligen, City Manager From: David Ha is Housing and Community Development Department Subject: FY 2011- FY2015 Consolidated Plan and Analysis of Impediments to Fair Housing Date: April 8, 2010 INTRODUCTION This memorandum transmits the resolutions adopting the attached FY2011 -2015 Consolidated Plan and the Analysis of Impediments to Fair Housing. Dubuque AFkaulaclly 11111 2007 FY 2011 -2015 Consolidated 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 and approved the Consolidated Plan at a public hearing on March 3, 2010. Following further review, two additional charts will be added to the FY 2011 -2015 Consolidated Plan. The population chart from the HUD Comprehensive Housing Affordability Strategy (CHAS) has been included in the section 'Areas of Racial /Ethnic Minorities and Low - Income Population'. The chart provides a breakout by race of the overall Dubuque population based on the 2000 Census, and the 2005 -2007 American Community Survey (ACS) data. In addition, a chart depicting a breakout by age for Dubuque and the State of Iowa has been added in the section 'Special Needs Population'. Both charts were provided by Alta Vista Research Inc. and will clarify population data, as required by HUD. In preparing the final document for submittal in conjunction with the FY 2011 Annual Plan, specific objectives in the 'Summary of Specific Annual Objectives' have been adjusted to reflect five -year totals that coincide with the projected annual accomplishments. 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 Commission reviewed and approved the Al at a public hearing on March 3, 2010. RECOMMENDED ACTION I recommend the City Council approve the attached resolutions adopting the FY2011- 2015 Consolidated Plan and the Analysis of Impediments to Fair Housing. Prepared by Aggie Tauke, Community Development Specialist F \USERS\ATAUKE \CDBG \Cons Plan 2011 -2015 \Cons Plan Al final approval mvm memo doc RESOLUTION NO.114-2010 (114-10) A RESOLUTION ADOPTING THE FY 2011 -2015 CONSOLIDATED PLAN FOR HOUSING AND COMMUNITY DEVELOMENT; 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 2011 -2015 Consolidated Plan (Program Year 2010 -2014) for Housing and Community Development have been available for public comment 30 days prior to City Council action; and Whereas, the Housing Commission and Long Range Planning Commission have reviewed and recommended adoption of the Plan; and Whereas, the Community Development Advisory Commission has held a public hearing on the proposed plan on March 3, 2010 and approved the FY 2011 -2015 Consolidated Plan (Program Year 2010 -2014) for Housing and Community Development; and Whereas, the City Council has held a public hearing on the FY 2011 -2015 Consolidated Plan (Program Year 2010 -2014) for Housing and Community Development on April 19, 2010. NOW, THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF DUBUQUE, IOWA: Section 1. That the City of Dubuque FY 2011 -2015 Consolidated Plan (Program Year 2010 -2014) for Housing and Community Development be and the same 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 by the submission deadline. 19th Passed, approved and adopted this day of April j i )y rip4 eanne F. Schneider, City Clerk Roy D. Buol, Mayor F: \USERS\ATAUKE \CDBG \Cons Plan 2011 - 2015 \Cons Plan Res.doc RESOLUTION NO.115 -2010 (115-10) A RESOLUTION APPROVING THE ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING. Whereas, the U.S. Department of Housing and Urban Development requires each entitlement city to conduct an Analysis of Impediments to Fair Housing (Al); and Whereas, the City of Dubuque has conducted an Analysis of Impediments to Fair Housing that identifies impediments and proposes a fair housing action plan to eliminate these impediments; and Whereas, the Analysis of Impediments to Fair Housing was made available for public comment 30 days prior to City Council action; and Whereas, the Housing Commission and Long Range Planning Commission have reviewed and recommended adoption of the Plan; and Whereas, the Community Development Advisory Commission has held a public hearing on the proposed Plan on March 3, 2010 and approved the Analysis of Impediments to Fair Housing, and Whereas, the City Council has held a public hearing on the Analysis of Impediments to Fair Housing on April 19, 2010. NOW, THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF DUBUQUE, IOWA: Section 1. That the City of Dubuque Analysis of Impediments to Fair Housing be and the same is hereby approved. 19th Passed, approved and adopted this day of April, 10. st eanne F. Schneider, City Clerk Roy D. Buol, Mayor F: \USERS\ATAUKE \CDBG Analysis of Impediments to FHWI Council Res.doc FY 2011 -2015 Consolidated Plan For Housing and Community Development City of Dubuque, Iowa Housing and Community Development Department 350 West 6 Street Suite 312 Dubuque Iowa 52001 563- 589 -4239 www cityofdubuque orq Masterpiece on the Mississippi Dubuque Amnon City 2007 Dubuque Consolidated Plan 2011 -2015 City of Dubuque, Iowa CONSOLIDATED PLAN FY 2011 -2015 HUD Program Year 2010 -2014 April, 2010 Dubuque City Council Roy D. Buol, Mayor Ric Jones David Resnick Kevin Lynch Karla Braig Joyce Connors Dirk Voetberg COMMUNITY DEVELOPMENT ADVISORY COMMISSION Hilary Stubben, Chair Ann Michalski,Vice Chair Paula Maloy, SVM Thomas Wainwright Michael Gukeisen Theresa Caldwell Janice Craddieth David Shaw Char Eddy City Manager Michael Van Milligen Housing and Community Development Department David Harris, Director Aggie Tauke, Community Development Specialist Kris Neyen, Rehabilitation Assistant Assistance: Alta Vista Research, Inc 1450 Alta Vista Dubuque, Iowa 52001 2 Dubuque Consolidated Plan 2011 -2015 Table of Contents Page Number Executive Summary 5 Geographic Description 8 Basis for Allocating Funds 10 Basis for Assigning Priority 11 Obstacles to meeting Underserved Needs 11 Managing the Process 12 Citizen Participation 13 Institutional Structure 14 Monitoring 14 Outcome Performance Measurement System 15 Priority Needs Analysis & Strategies 16 Lead Based Paint 17 Housing Needs 19 Affordability 19 Rental Housing Loss 24 Changes in Rental Units and Contract Rents 25 Over - crowding 26 Areas of Racial /Ethnic Minorities and Low - Income Population 28 Priority Housing Needs 29 General Housing Market and Inventory Housing Supply 31 Vacancy 31 Available Housing 32 Housing Age 32 Housing Value /Costs 34 Demand for Multi - Family Housing 38 Housing Development 38 Specific Housing Objectives 39 Needs of Public Housing 40 Public Housing Strategy 42 Barriers to Affordable Housing 42 Fair Housing Action Plan 43 Homeless Needs Assessment Homeless Population 47 Priority Homeless Needs 49 Homeless Inventory 50 Housing Activity Chart 51 Homeless Strategic Plan (Continuum of Care) 51 Fundamental Components of C of C System Component: Prevention 53 Component: Outreach 54 Component: Supportive Services 55 Present Strategy for Ending Chronic Homelessness 56 Discharge Coordination Policy 57 Community Development Needs 57 Anti - Poverty Strategy 59 Specific Special Needs Objectives 63 Non - Homeless Special Needs 63 3 Dubuque Consolidated Plan 2011 -2015 Special Need Population 63 Housing for Persons with Special Needs 65 Special Needs Population- Facilities 66 Special Needs Population- Services 67 Transportation 68 Other Narrative 69 Charts &Tables Housing Needs Table Housing Market Analysis Table Continuum of Care Homeless Population and Subpopulations Chart Non- Homeless Special Needs Chart Housing and Community Development Activities Table Summary of Specific Annual Objectives Appendix Certifications Action Plan FY 2011 4 Dubuque Consolidated Plan 2011 -2015 oVE 117 o p 1111111 * yo * F Five Year Strategic Plan a liii IO � This document includes Narrative Responses to specific questions EA U oEvO' that grantees of the Community Development Block Grant, HOME Investment Partnership, Housing Opportunities for People with AIDS and Emergency Shelter Grants Programs must respond to in order to be compliant with the Consolidated Planning Regulations. Executive Summary Introduction 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. Currently 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 such documents provide an invaluable opportunity to assess change and trends, always with an eye toward the proper course for agencies and the city. Looking at the current statistical indicators it is clear that 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 Consolidated Plan for the City of Dubuque is for a five (5) year period, from July 1 2010 (FY 20011) to June 30 2015 (FY 2015). 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 of the use of these federal funds. Plan Summary The federal statues set three basic goals against which community performance under a Consolidated Plan is evaluated by HUD: - provide decent housing, provide a suitable living environment, and expand economic opportunities. 5 Dubuque Consolidated Plan 2011 -2015 The Strategic Plan has incorporated these goals into three specific categories: Housing, Neighborhood and Community Development and Economic Development. Specific priorities, objectives and outcomes have been identified under each category as follows: HOUSING PRIORITIES Expand home - ownership opportunities for extremely low to low income households. DH -2.1 Objective: Provide down payment assistance to extremely low to low income households Preserve and maintain existing affordable housing through rehabilitation of properties for extremely -low to low- income households DH -1.1 Obiective: Provide housing opportunities to maintain, improve and/ or obtain affordable housing for all income eligible residents. DH -1.2 Objective: Restore existing vacant or under - utilized structures into affordable housing units, especially larger residential units, for income eligible households. DH -2.2 Objective: Maximize participation in and use of low- interest rehabilitation loan /grant funds for rental housing units. DH -1.3 Objective: Create lead safe housing units. DH -2.3 Objective: Provide assistance to qualified low and moderate - income homeowners, including elderly, for the rehabilitation of housing units. DH -1.4 Objective: Develop affordable housing to increase the housing opportunities. Increase the housing options and related services for special needs populations. DH -1.5 Objectives: Provide for implementation of fair housing opportunities for all populations. SL -1.1 Objectives: Increase opportunities for the elderly, disabled and persons with special needs to maintain an independent lifestyle. DH -1.6 Objectives: Modify existing and /or create accessible housing units Create and maintain emergency shelters, transitional housing and permanent supportive housing and support services for persons and families who are homeless or at risk for homelessness. DH -1.7 Objectives: Build capacity of local agencies to support the creation of emergency and transitional housing and homeless services, especially for women and children. 6 Dubuque Consolidated Plan 2011 -2015 Preserve existing housing and residential neighborhoods. DH -1.8 Objective: Enforce minimum housing quality standards in all rental housing through systematic code enforcement. DH -3.1 Objective: Assist low-income homeowners to improve and preserve historic character of residential structures. NEIGHBORHOOD AND COMMUNITY PRIORITIES Provide services to families for optimum health, safety, social and human needs. SL -1.2 Objective: Partner with local agencies to facilitate affordable and quality childcare and early education opportunities. SL -1.3 Objective: Provide services to improve the education, health, and human service needs of children and families of all ages, including special needs population. SL -1.4 Objective: Provide programs for increased opportunities for healthy youth interaction, educational advancement and /or recreation. Preserve and promote the character and assets of neighborhoods in income - eligible areas. SL -1.5 Objective: Provide technical assistance to local organizations to guide neighborhood development, revitalization and redevelopment. SL -1.6 Objective: Provide resources for organized neighborhoods in low /mod income areas to encourage self- initiated revitalization efforts. DH -3.2 Objective: Provide inspection and enforcement of zoning and land use regulations to provide support for neighborhood revitalization efforts. Improve the infrastructure and physical environment in income eligible areas. SL -3.1 Objective: Improve and replace sidewalks, and public infrastructure in income eligible areas. SL -3.2 Objective: Provide planning for community needs and administration of programs to insure maximum public benefit and community enhancements. ECONOMIC DEVELOPMENT PRIORITIES Increase economic opportunities through business retention and/or expansion. 7 Performance Outcomes & Objectives Codes Availability /Accessibility Affordability Sustainability Decent Housing DH -1 DH -2 DH -3 Suitable Living Environment SL -1 SL -2 SL -3 Economic Opportunity EO -1 EO -2 EO -3 Dubuque Consolidated Plan 2011 -2015 EO -3.1 Objective: Support local economic development efforts to create or retain jobs that pay benefits and a livable wage to their employees. Encourage redevelopment of existing commercial and industrial buildings EO -3.2 Objective: Correct commercial /industrial building code violations and rehabilitate buildings in older neighborhoods and downtown. Encourage workforce development to ensure equity in employment and economic opportunities. E01.1 Objective: Support transportation programs to maintain access to education, employment, shopping, and health care for low- income persons. E01.2 Objective: Promote workforce development through employment training and programs. Annual progress will be undertaken toward these outcomes through implementation of the Annual Action Plan each of the five years. Since this is a plan based on the best available data, it is understood that as more data becomes available or as strategies are evaluated, the Plan may be amended through the public process during the five -year period. The intent is for the Plan to be the most efficient and effective in addressing the needs of the community and strengthening Dubuque. The City has used the past Consolidated Plan to implement programs that have assisted our citizens and will continue to do so with this Plan. General Questions Geographic Description' Dubuque's population has remained stable since the 2000 Census, currently estimated between 55,965 and 57,741, but substantial growth in population has occurred in the western communities of Asbuty and Peosta, likely as a result of outmigration from the City of Dubuque. Between 2000 and 2007, Asbuty grew by 53.2% and Peosta by 73.4 %. Those new residents of Asbury and Peosta have tended to mirror many of the extant demographics. Nestled amongst the bluffs and shores of the Mississippi River, across from the border of both Wisconsin and Illinois, the City of Dubuque is home to an estimated 57,250 (2008 Population Estimate, U.S. Census Bureau). The city is currently Iowa's 8th largest city and serves as a regional economic, medical, educational, and tourism 1 Alta Vista Research, Inc 8 Dubuque Consolidated Plan 2011 -2015 center of the tri -state area. Despite its size, the city boasts two hospitals, three accredited four -year colleges, as well as a regional community college and other numerous institutions of vocational training. The city is located roughly 200 miles east of Chicago IL and Milwaukee WI, and northwest of Des Moines, IA. It is also only 90 miles from Madison, Wisconsin. While it is often not considered a populated region, 2.9 million people live within only 100 miles of Dubuque. Dubuque spans nearly 30 square miles and enjoys atypical Iowa topography by Iowa standards. Steep bluffs, valleys, and ubiquitous winding streets mark Dubuque's landscape, in addition to the city's roughly six miles of riverfront. The Mississippi serves as the eastern boundary of the city, while the landscape gives way to more typical rolling farmland out beyond the city limits to the west, north, and south. In 2007 Dubuque was awarded the distinction of All America City by the National Civic League. The award, one of the oldest and most prominent community recognition awards in the country, is awarded yearly to only 10 communities across the country. The award recognizes communities where community members, city officials, businesses and nonprofit organizations work collaboratively to tackle local issues for the growth and strengthening of the community. Other recent notable awards for the city include America's Top 100 Places to Live (relocate.com), Most Livable Small City (United States Conference of Mayors), 100 Best Communities for Young People (America's Promise Alliance). Such awards speak to the progress made by the city and its attractiveness. The outward evidence of the city's successes and growth can be seen most tangibly in the development of the Port of Dubuque and its growing diversity of businesses and amenities. Dubuque has been very successful in garnering state and federal funds for growth and development, including development in the Port of Dubuque. This trend appears to be continuing as the additional phases of riverfront expansion move forward, AMTRAK connection to Chicago comes on -line, and infrastructure spending increases for the west end of the city. In regard to the relative livability and affordability of Dubuque, the American Chamber of Commerce Researchers Association (ACCRA) reported Dubuque's (First quarter 2008 to first quarter 2009) composite standard of living index (COLI) at 96.7 (with the national average at 100—as such, this 96.7 is Dubuque's cost as a percentage of the average of all participating places in the U.S.). Dubuque, by national comparison has a lower cost of living. By comparison to other municipalities in the region, however, Dubuque is often a more costly place to live. The ACCRA COLI includes six categories of goods and services: grocery items, housing, utilities, transportation, health care, and miscellaneous goods and services. For comparison sake, the ACCRA COLI composite costs for cities proximate to Dubuque include: 91.3 for Rockford, IL, 92.4 for Cedar Rapids, IA, 89.5 for Waterloo -Cedar Falls, and 95.0 for the Quad Cities, IA -IL. In particular regard to housing costs and cost of living, ACCRA calculates Dubuque's housing cost at 90.9. This housing cost is weighted as approximately 30% of the cost of living model employed by ACCRA. All of the cities listed above also have lower housing costs as indicated in the ACCRA cost of living index (for example, 82.4 for Waterloo - Cedar Falls and 68.7 for Rockford). Those entering the city and replacing citizens who have left for western communities have different demographic traits. For example, from 2000 to 2005/20007 the ACS estimates a 72.3% increase (from 700 to 1,206) in the number of African American residents, a 48.5% increase (from 390 to 579) in Asians, a 43% increase (from 553 to 9 Dubuque Consolidated Plan 2011 -2015 791) in community members of 2 or more races, and a 23.1% increase (from 911 to 1,121) in the Hispanic population of Dubuque. The margin of error for each of these groups, African American, Asian, Multi -race, and Hispanic, are +1- 273, 151, 240, and 260, respectively. Dubuque experienced a $7,212.00 increase in its median family income (to $53,758) from the 2000 Census, but significant demographic pockets of poverty remain among female single parents with children under the age of 5 (60 %1), female single parents with children under age 18 (45.1%), all children under age of 5 (22.8 %), children 5 -17 years of age (13.9), and those 5 years of age or older who have disabilities (20 %). Among those families below the poverty line 77% live in renter occupied housing. In addition, the ACS estimates that 9.6% of families have incomes below the poverty level, a notable increase from the 5.5% figure cited in the 2000 Census. The margins of error should be noted for all the data above, and are provided in the text of this report. Basis for Allocating Funds The federal assistance received by the City of Dubuque is used within the geographic boundaries of the City. CDBG funds are allocated based on the need of the persons receiving direct assistance and also allocated to low and moderate - income areas as defined by the 2000 Census, where at least 51% of the City residents are low /moderate income persons. These areas are targeted for assistance to create a greater impact with the use of CDBG funds. The majority of CDBG funds are proposed to be expended for the benefit of low /moderate income persons but some funds are also allocated on a limited basis to slum and blight areas. Where the City utilizes CDBG funds on a geographic allocation basis, these allocations are made only in areas where 51% or more of the population meets the 80% or lower income requirement. The Low /Moderate Income Area map below defines the area in the City of Dubuque where a minimum of 51 % of the residents is low /moderate income persons as per the 2000 U.S. Census data. The map shows the following census tracts and blocks where at least 51% of the residents are low /moderate income persons: Census Tract 1, Blocks 1 thru 4; Census Tract 4, Block 1; Census Tract 5, Blocks 1,3,4 and 5; Census Tract 6, Block 2; Census Tract 7.01,Blocks 1 and 2; Census Tract 7.02, Blocks 1 and 4; Census Tract 11.02, Block 2; Census Tract 101.1, Block 2 and Census Tract 101.3, Block 2. 10 Dubuque Consolidated Plan 2011 -2015 Is... .„U., ... 6 .LP& • WWI MEWL AS R Tin ,ftbUs. n.e. ovv.a WA, O.Wa.eN•e6•aatar, In ✓ G*, s.o rcumt aa• ow:aoy Impety D a n n .q,. C.uty t.0 ta tuwkr or ofearatia 3 .s wa .`ritna M untie Nos van. van. • w oaSN. z+urf,, aaK.v o.+oaa• at GnUu . a s #MwwW i n r u n : . : y H � a w ro i.. ma o• anwtmnaaaoal Low /Moderate Income Areas 11 LEGEND CIO Low/Mod Population at least 51% Dubuque Cily Limits owlModerate Income Area Data Sou: 2000 US Census City of Dubuque, Iowa Low /Moderate Income Areas based on Census 2000 data Basis for Assigning Priority Citizen input and census data analysis were the rationale for establishing the priority rankings in the Consolidated Plan. Public input was received during the process to assist in determining high, medium and low priorities. The Community Development Advisory Commission annually convenes the process to assess needs, set priorities and recommend CDBG budget allocations based on the adopted Citizen Participation Plan. Funds are allocated based on the needs identified in the Consolidated Plan. All programs must meet the national objectives of the Community Development Block Grant program. Obstacles to meeting Underserved Needs Anticipated obstacles to meeting underserved needs are lack of sufficient resources, including federal funding reductions, which limit the ability to provide programs and services. Dubuque Consolidated Plan 2011 -2015 Managing the Process (91.200 (b)) Lead Agency 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. 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 the planning, implementation and assessment of the CDBG program and meets in a public forum to ensure citizen involvement in the use of federal funds. Plan Process Staff from the Housing and Community Development Department began the Consolidated Planning process by meeting with the Community Development Advisory Commission to design a comprehensive strategy for collecting data, hearing citizen and social service agency needs and concerns, assimilating information, and prioritizing community needs. Staff prepared a Housing and Community Development Survey which was posted on the City website, translated into Spanish, distributed at community and neighborhood meetings, and various meetings with City departments and agencies. A copy of the survey is included in the Appendix. The quality and quantity of citizen participation in charting the future, identifying needs and proposing strategies to meet those needs has been substantial. Two Community Needs meetings were held which provided a forum for citizen input to identify and prioritize needs to be addressed in this Plan. Public and private agencies were identified as stakeholders in the process and were invited to attend the community needs meetings. A copy of the results are included in the Appendix. City Staff consulted with local non - profit agencies and organizations who provide services to children, elderly persons, persons with disabilities, persons with HIV /AIDS and their families, and homeless persons. The City hired a consultant to analyze data for the Consolidated Plan using census information and housing market information. Alta Vista Research, Inc prepared the following studies: "Consolidated Population, Housing, and Market Analysis Plan "; "Analysis of 2008 Home Mortgage Disclosure (HMDA) Data "; "Rental Property Housing Impediments" and "Conclusions and Recommendations Concerning Housing Impediments in the City of Dubuque ". Results of these studies assisted in the preparation of this Plan. Portions of these studies are also included in this Plan. Staff consulted with Project Concern, the local administrator of the Continuum of Care, and homeless coordinator and administrator of Homelessness Prevention and Rapid Re Housing Program (HPRP) and the Shelter Plus Care grants. The public provided input during the 2006 -2007 update for the 2008 City of Dubuque 12 Dubuque Consolidated Plan 2011 -2015 Comprehensive Plan, which consists of fourteen elements in three categories: Physical Environment- Land Use and Urban Design, Transportation, Infrastructure, and Environmental Quality; Economic Environment - City Fiscal and Economic Development; and Social Environment- Health, Housing, Human Services, Education, Cultural Arts, Recreation, Public Safety and Diversity. Review of this document assisted in the preparation of this five -year strategy to address the community's quality of life. The Plan represents citizen input on the use of federal CDBG funds to address the identified needs of our community. The City of Dubuque is currently a CDBG entitlement city and not an entitlement for HOME, Emergency Shelter Grant (ESG), or Housing Opportunities for People with AIDS (HOPWA) funds, although HOME and ESG funds are received through competitive applications to the State of Iowa. Citizen Participation (91.200 (b)) An active citizen participation process was used to develop both housing and community development priority needs. Public notices were posted on the City website (www.cityofdubuque.org), in the Telegraph Herald, a local newspaper, and in the free weekly publication, the Dubuque Advertiser. The Community Development Advisory Commission held public meetings for input throughout the development of this Plan Community needs meetings were held on September 30, 2009 and October 7, 2009 at the Comiskey Center, 225 East 24 Street, Dubuque, Iowa entitled "CDBG: Moving Dubuque Forward ". Notices were published on the City website www.cityofdubuque.org, published in the local newspaper the Telegraph Herald, and sent via email and regular mail to all City Departments, neighborhood organizations, the mulit- cultural family center, press, non - profit organizations, educational institutions, businesses and other interested parties. Notice was also placed in the Dubuque Community School District "Visible /Available Weekly Events" calendars which are distributed throughout the community. The October 7th meeting was co- facilitated with the North end Neighborhood Association, with invitations for participation to all neighborhood associations. The Community Development Advisory Commission members attended sessions as well as other city staff. The goal was to identify and prioritize the needs and /or wants of the community. The City consulted with public agencies, neighborhood organizations, non - profit organizations, educational institutions, businesses and other interested parties to identify the needs and priorities of the community. Results from the Housing and Community Development Survey also assisted in this process. The survey was placed on the City of Dubuque website (www.cityofdubuque.org), translated to Spanish, and distributed at community meetings. The Community Development Advisory Commission reviewed the elements of the Consolidated Plan at numerous meetings in 2009 and 2010. They reviewed the housing market study in November 2009, identified priority needs in December 2009, and reviewed the draft Consolidated Plan in February. The Long Range Planning Commission reviewed the Plan at a meeting on February 17 and the Housing Commission reviewed on February 23 Their recommendations were forwarded to the Community Development Advisory Commission prior to their March 3 public hearing, at which time the Commission approved the Plan and forwarded to the City Council. A 30 13 Dubuque Consolidated Plan 2011 -2015 day public comment period was held prior to the Council public hearing. Citizen Comments Comments on the Consolidated Plan will be added after the public review period. Responses to the comments will also be added at that time. Institutional Structure (91.215 (i)) The City of Dubuque will implement the Consolidated Plan through numerous partnerships. The City works closely with the Area HUD Office in Omaha and enjoys positive working relationships with a number of State -wide housing providers, including: the HUD Area Office in Des Moines; the Iowa Finance Authority (IFA); the State Department of Economic Development (IDED), which administers the HOME Investment Partnership Program; and the Des Moines Federal Home Loan Bank, which administers the Affordable Housing Program for the district. The Housing and Community Development Department works cooperatively with a number of other agencies participating in the housing delivery system in Dubuque. • Staff is represented on the local area Homeless Coordinating Committee. • As a member of the Family Self- Sufficiency Task Force, participates with the Eastern Iowa Regional Housing Authority (EIRHA) in FSS policy development. • Administers the Housing Trust Fund • Administers housing rehabilitation -loan programs, both for owner- occupied housing and rental units, including Moderate Income Rental Rehab, Emergency Repair, Accessibility Rehab, Single Room Occupancy Rehab and Rental Rehab (HOME). The City investment sources are CDBG, the Iowa Department of Economic Development's HOME Program and IFA's Housing Trust Fund. • Administers the Section 8 Housing Choice Voucher Program • Works cooperatively with area lending institutions in developing programs and securing funds to promote partnership housing initiatives. Strengths & Gaps The City's ongoing initiatives and partnerships with other local, state and federal agencies are critical to the implementation of innovative programs and services for the citizens of Dubuque. The City's working relationships with local financial institutions enables many innovative programs that assist low and moderate income property owners. With limited funds available from federal and state sources, the City must continue to encourage participation from other members of the community and establish more partnerships with entities willing to share the costs. Monitoring (91.230) The City of Dubuque follows federally prescribed standards and procedures to monitor CDBG activities. This ensures long -term compliance with the requirements of the CDBG program and other federal programs as necessary. 14 Dubuque Consolidated Plan 2011 -2015 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 insure compliance with program regulations. 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. Outcome Performance Measurement System Based on HUD guidance, the City of Dubuque utilizes a performance measurement system. The purpose of this system is to assist in determining if funded programs are meeting identified needs by measuring the extent the activities yield the desired outcomes in the community or in the lives of the persons assisted. For each activity that the City funds, it determines the goal of the activity based on local needs and identifies an objective and outcome for each activity. The results are reported in HUD's Integrated Disbursement and Information System (IDIS) reporting system and the City's Consolidated Annual Performance and Evaluation Report (CAPER). Goals are defined as proposed solutions to problems or needs that are identified as part of a planning process. Objectives quantify measurable stepping- stones targeted for attainment as progress is made through activity implementation toward solution of the problem or need. Three specific objectives are relative to CDBG funding. These include: • Creating Suitable Living Environments. Applicable to activities that are designed to benefit communities, families, or individuals by addressing issues in their living environment. This objective relates to activities that are intended to address a wide range of issues faced by low -and moderate - income persons, from physical problems with their environment to social issues such as crime prevention, literacy, or elderly health services. • Providing Decent Housing. Applicable to housing programs where the purpose is to meet individual family or community needs, and not programs where housing is an element of a larger effort, such as would otherwise be applied under the "Creating Suitable Living Environment" objective. • Creating Economic Development Opportunities. Applicable to activities that are related to economic development, commercial revitalization, or job creation. Outcomes are the benefits that result from a program. Three specific outcomes are relative to stated objectives. These include: • Availability /Accessibility. Activities which make services, infrastructure, housing, or shelter available or accessible to low -and moderate income people, including persons with disabilities. In this category, accessibility does not only refer to physical barriers, but also to making the affordable basics of daily living available and accessible to low- and moderate- income people. • Affordability. Activities which provide affordability in a variety of ways in the lives of low- and moderate- income people. It can include the creation or maintenance of affordable housing, basic infrastructure hook -ups, or services such as 15 Dubuque Consolidated Plan 2011 -2015 transportation or day care. Affordability is an appropriate objective whenever an activity is lowering the cost, improving the quality, or increasing the affordability of a product or service to benefit a low- and moderate - income household • Sustainability. Activities aimed at improving communities or neighborhoods, helping to make them livable or viable by providing benefit to low- and moderate - income persons or by removing or eliminating slum or blighted areas. This performance measurement system identifies broad outcomes that relate to eligible HUD program activities. The purpose of these broad and generalized outcomes is to serve as a guide for funding activities. Because each activity will be implemented with varying intent and purpose, unique to its particular mission, at least one objective and outcome will be proposed for each annual plan activity. Priority Needs Analysis and Strategies (91.215 (a)) Basis for Assigning Priorities Dubuque receives approximately $1.2 million in federal CDBG funds annually. The City has established a citizen - oriented method for allocating CDBG funds. The Community Development Advisory Commission is a nine - member citizen advisory commission to the City Council. The Commission is comprised of four representatives from the community at- large, four residents from census tracts and block groups where at least 51 % of residents are low /moderate income persons with lowest median income, and a representative from the Housing Commission. As funding annually becomes available, this Commission convenes the process to assess needs, set priorities and recommend CDBG budget allocations based on the adopted Citizen Participation Plan. It receives and reviews public input and recommends the adoption of a spending plan. The Commission begins the public input process with a series of public meetings in the fall of each year, with final adoption by the City Council. The Commission reviews how the proposed activities will meet the needs and priorities as identified in the Five Year Consolidated Plan. Due to the limited amount of CDBG funds available to the City of Dubuque, not all the City's housing and community development needs can be addressed over the next five years. However, priorities were established to ensure that scarce resources are directed to the most pressing housing and community development needs in the City. The City undertook a variety of steps to establish the priorities for the use of federal funds. The City of Dubuque consulted with public agencies, neighborhood organizations, non - profit organizations, educational institutions, businesses and other interested parties to identify the needs and priorities of the community. City Council priorities were also reviewed. Results from the Housing and Community Development Survey also assisted in this process. The survey was placed on the City of Dubuque website (www.cityofdubuque.orq), translated to Spanish, and distributed at community meetings. Data was collected and grouped into one of four major categories: Housing, Public Improvements, Public Services and Economic Development. Second, the data was analyzed and priorities were established by the Community Development Advisory Commission using the following definitions: • High priorities are those activities that WILL be funded with CDBG funds • Medium priorities are those activities that MAY be funded with CDBG funds, but only after high priorities have been funded or if sufficient need is further identified. 16 Dubuque Consolidated Plan 2011 -2015 • Low priorities are those activities that will NOT be funded with CDBG funds but may be funded with other City or local funds. Medium and low priority activities are still important and are not meant to be understood as unnecessary but are needs that may have other more appropriate funding sources. The City has identified a limited number of priorities to provide a focus for activities that will be funded in the next five years. There are a sufficient number of medium priority needs to ensure that funds can be spent in a timely manner. Priorities were established by the Community Development Advisory Commission (CDAC) during the public review process, as shown in the attached needs tables. The priorities identified were developed by: • Weighing the severity of the need • Analyzing current housing, economic, social and community conditions • Analyzing the needs of low and moderate income persons and families • Assessing the funding resources available over the next five years • Evaluating input from community meetings, interviews, studies and surveys, City department staff, City Council priorities,and public hearings. As funding annually becomes available, this Commission convenes the process to assess needs, set priorities and recommend CDBG budget allocations based on the adopted Citizen Participation Plan. It receives and reviews public input and recommends the adoption of a spending plan. The Commission begins the public input process annually with a series of public meetings in the fall of each year, with final adoption by the City Council. The Commission reviews how the proposed activities will meet the needs and priorities as identified in the Five Year Consolidated Plan. Obstacles to Meeting Underserved Needs Anticipated obstacles to meeting underserved needs are lack of sufficient providers, and lack of sufficient resources, which limit the ability to provide programs and services. Lead - based Paint (91.215 (g)) The City of Dubuque has some of the oldest housing stock in Iowa. The City of Dubuque takes great pride in retaining and maintaining a rich historic heritage of century old homes and buildings. However with the historic housing stock comes a vast amount of aging lead -based painted surfaces. There are approximately 14,143 residential properties built before 1978 located in the city limits. Of these 14,143 residential properties, approximately 9,917 or 70% are 50 years or older. Of the 9,917 properties that are at least 50 years old, approximately 3,982 or 40% are located in the Target Lead Area. The City of Dubuque received a $3.69 million grant in 1997 and a $2.4 million award in October 2003 from HUD's Lead Hazard Reduction Program to reduce lead paint in local housing units. These grants provided for 719 housing units made lead safe with an additional 51 treated using an interim control method. The City has also received a $2.9 million grant beginning in January 2008. The current lead grant will provide for 220 housing units to be made lead safe upon completion in 2010. 17 Table 4d — Very Low- and low- Income Population Very Low- and Low Income Population for TARGET AREA {S) Name of Target Area(s) Census Tracts 1, 2, 5, 6, 7 01, 7 02, 101 01 and 101 03 Target Area (Census Tracts) Number of Families+ <50% of AMI* % Number of Families+ >50% - <80% of AMI* % Total Number of Families+ <80% of AMI* % Tract 1 125 26% 50 10% 175 36% Tract 5 186 18% 259 26% 445 44% Tract 6 110 15% 158 21% 268 35% Tract 7 01 124 20% 108 17% 232 37% Tract 7 02 122 15% 211 26% 333 41% Tract 101 01 83 16% 125 23% 208 39% Tract 101 03 88 12% 201 27% 289 38% Source and Date of Estimate: Census Report 2000 *AMI — Area Median Income Dubuque Consolidated Plan 2011 -2015 Census tracts 1, 5, 6, 7.01, 7.02, 101.01 and 101.03 were selected as the target area for the Lead Grants. According to Census 2000 data, 61 % of the residents in this area are low /moderate income persons. This area includes the oldest housing stock in Dubuque, and in the State of Iowa. Of the housing stock in the target area, ninety -three (93 %) was built prior to 1978, with sixty -one (61 %) percent built prior to 1940. The Washington Neighborhood Revitalization area, roughly Census Tract, pre -1940 era housing is approximately seventy -five (75 %) of the total housing units in the tract. INTEGRATION OF LEAD HAZARD REDUCTION IN OTHER HOUSING PROGRAMS The City's Residential Housing Code requires that interim control activities be under taken whenever defective painted surfaces are detected during all routine housing inspections. This includes all of the City's assisted housing units that are inspected at least annually and all other rental- housing units in the City inspected on a five -year cyclical basis. The strong, local housing code has been an important component in the maintenance of the local housing infrastructure. The Housing and Community Development Department's rehabilitation activities also require that lead hazards will be remedied. Using CDBG funding, low interest loans are offered to make properties lead safe during the course of other rehabilitation activities. Currently, HUD lead grant funding is being offered for use in combination with rehabilitation funding to make properties lead safe. The City's Lead Hazard Reduction program has helped the Housing and Community Development Department promote lead safe housing thru certification and training of dust clearance testing for housing inspectors. A pool of certified contractors, workers, and renovators is now available in our community to make properties lead -safe. The Lead Hazard Reduction Program enables the City of Dubuque to continue efforts to reduce lead paint poisoning in Dubuque's young children. Building the infrastructure for this effort includes training contractors, workers and landlords in safe paint removal methods. Of equal importance, it includes building a coalition of medical practitioners, inspectors and other related professional service providers to raise awareness and educate the general public in knowledge of practical interventions. The City is also reviewing additional healthy home training for such things as indoor air quality, pest management, moisture prevention, and home safety. 18 Dubuque Consolidated Plan 2011 -2015 The Housing and Community Development Department and the Health Services Department work closely with the Iowa Department of Public Health (DPH) in Dubuque's Childhood Lead Paint Poisoning Prevention Program, monitoring the incidence of lead paint in dwellings occupied by children identified with elevated blood levels. All rental units with young children are tested and lead paint removal is required as a condition of participation in the City's rehab loan programs. Housing Needs (91.205) The Housing Needs Table (formerly called HUD Table 2A) is included in the Appendix. The City of Dubuque hired Alta Vista Research, Inc to prepare an analysis of the City's housing market for this Consolidated Plan. The study, entitled "Consolidated Population, Housing, and Market Analysis Plan" was completed in November 2009. It provided an analysis of the supply, demand, conditions and cost of housing for families and households, renters and owners, minorities, elderly, and disabled. In addition, the study analyzed specific housing problems such as cost burden and overcrowding. The results of this study are included in part throughout this Plan and assisted in identifying the housing needs as described in this Plan. Affordability of Rental, Owner - occupied, and Vacant Units 2 As with previous Consolidated Plans, relative housing affordability can be determined through HUD's State of the Cities Data System ( SOCDS) interface. The CHAS data for consolidated plans are `special tabulations' performed by the Census Bureau for HUD and the data are largely not available in the general public Census products. (see http:// www .huduserorg/datasets/cp.html). However, this HUD data includes only the 2000 Census and does not include the more recent American Community Survey (ACS) data. This is likely to change as the ACS housing questions replace the Census enumerations and the data set for the ACS increases. The first several tables below are generated through the HUD system, while the subsequent tables come from the AC) and other more recent data sources. At this point, all the variables are not directly comparable across data sets and years (e.g., the ACS for Dubuque does not provide a reliable breakdown of renter type of household, e.g., elderly v. large related, as the HUD SOCDS data provides from the 2000 Census). The SOCDS data on housing problems pulls from numerous disaggregated data sources and creates a customized tabulation. Such tabulation cannot be duplicated with ACS data given the sample sizes. The SOCDS generated tables below provide some illuminating information on housing affordability. The "Affordability Mismatch" table below provides information on the relative affordability of the city's housing inventory using 2000 Census data. The affordability standard employed in the tables includes the HUD - Adjusted Median Family Income ( HAMFI). The HAMFI figure reflects HUD's adjustment of the income levels to account for location and household size. 2 Alta Vista Research, Inc 19 Name of Jurisdiction: Dubuque city, Iowa Source of Data: CHAS Data Book Data Cuirent as of. 2000 Renters Units by # of bedrooms Owned or for sale units by # of bedrooms Housing Units by Affordability 0 -1 2 3+ Total 0 -1 2 3+ Total (A) (B) (C) (D) (E) (F) (G) (II) 1. Rent < =30% Value <=30% # occupied units 710 415 345 1,470 N/A N/4 N/A N/A % occupants <=30% 59.9 39.8 24.6 45.9 N/A N/A N/A N/A % built before 1970 64.8 74.7 84.1 72.1 N/A N/A N/A N/A % some problem 33.1 22.9 14.5 25.9 N/A N/A N/A N/A # vacant for rent 145 70 45 260 # vacant for sale N/A N/A N/A N/A 2. Rent >30% to < =50% Value < =50% # occupied units 1,675 1,875 575 4,125 145 1,325 2,605 4,075 % occupants < =50% 42.7 33.1 31.3 36.7 34.5 20.0 19.0 19.9 % built before 1970 71.9 70.4 82.6 72.7 71.0 69.4 87.7 81.2 % some problem 31.9 30.4 34.8 31.6 6.9 2.6 3.5 3.3 # vacant for rent 140 110 45 295 # vacant for sale 10 30 40 80 3. Rent >50% to < =80% Value >50% to <=80% # occupied units 350 790 360 1,500 88 1,650 6,285 8,023 % occupants <=80% 57.1 51.3 66.7 56.3 55.7 37.6 25.0 27.9 % built before 1970 52.9 43.0 84.7 55.3 101.1 85.8 80.3 81. Dubuque Consolidated Plan 2011 -2015 SOCDS CHAS Data: Affordability Mismatch Output for All Households 20 Name of Jurisdiction: Dubuque city, Iowa Source of Data: CHAS Data Book Data Current as of 2000 37.5 Renters Owners 17.0 Household by Type, Income, & Housing Problem Elderly ( & 2 members) Small Related (2 to 4 members) Large Related ( or more members) All Other Total Renters Elderly ( & 2 members) Small Related (2 to 4 members) Large Related ( or more members) All Other Total Owners Total Households (A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) 1. Household Income <= 50% MFI 833 767 122 1,197 2,919 1,090 311 123 249 1,773 4,692 some problem 50.0 39.9 37.5 41.7 17.0 3.3 1.9 2.4 # vacant for rent 40 45 0 85 # vacant for sale 10 25 40 75 4. Rent >80% Value >80% ■ # occupied units 120 48 23 191 65 310 2,767 3,142 # vacant for rent 25 10 0 35 # vacant for sale 4 8 44 Dubuque Consolidated Plan 2011 - 2015 Definitions Rent 0 -30% - These are units with a current gross rent (rent and utilities) that are affordable to households with incomes at or below 30% of HUD Area Median Family Income Affordable is defined as gross rent less than or equal to 30% of a household's gross income Rent 30 -50% - These are units with a current gross rent that are affordable to households with incomes greater than 30% and less than or equal to 50% of HUD Area Median Family income Rent 50 -80% - These are units with a current gross rent that are affordable to households with incomes greater than 50% and less than or equal to 80% of HUD Area Median Family Income Rent > 80% - These are units with a current gross rent that are affordable to households with incomes above 80% of HUD Area Median Family Income Value 0 -50% - These are homes with values affordable to households with incomes at or below 50% of HUD Area Median Family Income Affordable is defined as annual owner costs less than or equal to 30% of annual gross income Annual owner costs are estimated assuming the cost of purchasing a home at the time of the Census based on the reported value of the home Assuming a 7 9% interest rate and and national averages for annual utility costs, taxes, and hazard and mortgage insurance, multiplying income times 2 9 represents the value of a home a person could afford to purchase For example, a household with an annual gross income of $30,000 is estimated to be able to afford an $87,000 home without having total costs exceed 30% of their annual household income Value 50 -80% - These are units with a current value that are affordable to households with incomes greater than 50% and less than or equal to 80% of HUD Area Median Family Income Value > 80% - These are units with a current value that are affordable to households with incomes above 80% of HUD Area Median Family Income SOCDS CHAS Data: Housing Problems Output for All Households 21 2. ouseh old ncome <=30% MFI 451 393 56 679 1,579 354 88 24 135 601 2,180 3. % with any housing roblems 63.4 82.2 82.1 764 74.4 59.3 88.6 100.0 66.7 66.9 72.3 4. % Cost ; urden > 30% 58.1 82.2 82.1 72.8 71.2 59.3 88.6 100.0 66.7 66.9 70.0 5. % Cost ; urden >50% 37.5 57.0 67.9 48.6 48.2 36.7 72.7 83.3 44.4 45.6 47.5 6. ouseh old ncome >30 to <=50% MFI 382 374 66 518 1,340 736 223 99 114 1,172 2,512 7. % with any housing roblems 64.7 63.9 47.0 469 567 13.9 68.6 74.7 52.6 33.2 45.7 8. % Cost ; urden >30% 63.6 61.2 34.8 46.1 54.8 13.3 62.3 74.7 52.6 31.7 44.0 9. % Cost ; urden >50% 20.7 13.1 6.1 5.8 12.1 7.5 35.9 10.1 13.2 13.7 12.8 10. ouseh old ncome >50 to <=80% MFI 409 679 195 810 2,093 1,293 793 191 590 2,867 4,960 11.% with 24.2 15.3 38.5 12.3 18.1 9.9 30.6 27.2 38.1 22.6 20.7 Dubuque Consolidated Plan 2011 -2015 22 any housing roblems 12.% Cost ; urden >30% 24.2 11.6 0.0 10.5 12.6 9.9 30.6 25.1 38.1 22.5 18.3 13. % Cost ; urden >50% 3.7 0.0 0.0 0.0 0.7 1.5 3.0 2.1 5.9 2.9 2.0 14. ousehold ncome >80% MFI 313 834 93 1,030 2,270 2,211 6,068 1,070 1,215 10,564 12,834 15.% with any housing ►roblems 8.9 3.5 15.1 4.4 5.1 4.1 6.0 7.0 6.6 5.8 5.6 16.% Cost ; urden >30% 8.9 0.5 0.0 1.5 2.1 3.6 5.6 3.7 6.6 5.1 4.6 17. % Cost ; urden >50% 0.0 0.5 0.0 0.0 0.2 0.2 0.2 0.0 1.6 0.3 0.3 18. Total ouseh olds 1,555 2,280 410 3,037 7,282 4,594 7,172 1,384 2,054 15,204 22,486 19. % with any housing ►roblems 42.4 30.5 40.5 29.9 33.3 11.6 11.7 16.3 22.2 13.5 19.9 20. % Cost ; urden >30 40.6 27.9 16.8 27.4 29.8 11.2 11.1 13.4 22.2 12.9 18.3 21. % Cost ; urden >50 16.9 12.1 10.2 11.9 12.9 4.5 2.5 2.5 6.3 3.6 66 Dubuque Consolidated Plan 2011 -2015 23 Dubuque Consolidated Plan 2011 -2015 Definitions: Any housing problems cost burden greater than 30% of income and /or overcrowding and /or without complete kitchen or plumbing facilities Other housing problems overcrowding (1 01 or more persons per room) and /or without complete kitchen or plumbing facilities Elderly households 1 or 2 person household, either person 62 years old or older Renter Data do not include renters living on boats, RVs or vans This excludes approximately 25,000 households nationwide Cost Burden Cost burden is the fraction of a household's total gross income spent on housing costs For renters, housing costs include rent paid by the tenant plus utilities For owners, housing costs include mortgage payment, taxes, insurance, and utilities Compounding the concerns over general availability of housing for families, according to the data provided in the foregoing tables, of the vacant 2+ bedroom rental units, only 115 are affordable rents for those households with incomes at or below 30% of HAMFI. Beyond the rental pressures on larger families indicated above, the data suggest likewise pressure on 0 -1 bedroom units. Across all the HUD affordability categories ( <30% MFI to >80% MFI), the percentage of households listed as having housing problems (i.e., cost burdens, overcrowding, etc.) via the 2000 Census is provided in the following table. Table 30. 2000 Census: Percentage of Households with Housing Problems by Income Level and Tenure with Housing Problem By Tenure Income Level Renters Owners <30% MFI 74 4% 66 9% >30% to < =50% MFI 56 7% 33 2% >50 %to < =80 %MFI 181% 226% >80 %MFI 5 1% 5 8% Total Households 333% 135% Source U S Census Bureau The data from SOCDS suggest that housing burdens impact not only those in the lowest income bracket, but that those in the middle - income bracket also face problems. This middle- income group may be especially problematic given the income limits for rental assistance programs. It is likely that the housing problems most often faced by households within this income level relate to cost burden or overcrowding, and not incomplete kitchen or bathroom facilities. According to the SOCDS data of those renter households with an income of < =30% MFI, nearly half face a cost burden of 50% of their income. In that same income category nearly three quarters of households are spending more than 30% of their income on housing. Of those households with >30 to < =50% MFI, roughly half of alt households registered a cost burden greater than 30 %. In general, as the percentage of renter households facing serious/extreme cost burdens decreases, household income increases. In regards to cost burdens for households in owner - occupied units, the same general trends exist. Residential Housing Loss 3 3 Alta Vista Research, Inc 24 Dubuque Consolidated Plan 2011 -2015 Since 1989, when the Dubuque Housing and Community Development Department began tracking the loss of housing units, the city has experienced a loss of 521 units. For the last five years the losses total 155 units. Losses can come from a number of sources, including changes in infrastructure (e.g., highways, etc.), expansions of existing facilities such as hospitals, business, or colleges/universities, or other processes such as condemnation. Changes in Rental Units and Contract Rents Unlike in previous consolidated plans employing full Census data, the ACS data cannot yet provide a detailed picture of rental units and contract rent by census tract. Looking back at the 2000 Census data on the changes in median contract rent for selected census tracts (chosen because of their high concentration of housing affordability concerns - tracts 1, 3, 4, 5, 6, 7.01 and 7.02), it should be noted that while absolute increases in contract rent were experienced in all of these census tracts, the changes from 1990 to 2000 kept pace with inflation. This is not to say that the wages of individuals in these rental units did likewise, however. Beyond the data and reports provided by the Census Bureau, HUD, and the Federial Financial Institutions Examination Council (FFIEC), there are research and interest groups who study and advocate for housing affordability. One such group, the National Low Income Housing Coalition (NLIHC), compares HUD Fair Market Rent (FMR) estimates for localities with estimated renter income and minimum wage levels to determine what they call the "housing wage." This housing wage is the level of hourly income required to afford a 2 bedroom apartment without paying more than 30% of income on housing (thereby avoiding the established level of housing cost burden). NLIHC calculates these figures at the national, state, and MSA levet. While the data is not presented for the City of Dubuque separate from the MSA, the figures are largely comparable and very illustrative. It should be noted that the MSA may create increases in FMR, but such influence on Dubuque is likely marginal (given the limited rental inventory beyond the corporate limits of Dubuque). The most recent NLIHC rent data was published in Out of Reach (2009). According to the NLIHC most recent data, Iowa FMR for 2 bedroom apartments in 2009 is $629. To afford this housing, including utilities, would require a monthly income of $2, 097 or $25,162 annually. Then LIHC assumes a 40 hour work week for 52 weeks per year to determine the so- called housing wage of $12.10. The estimated average wage for renters in Iowa is $11. As such, a renter must work 44 hours a week to afford the 2 bedroom apartment at FMR without experiencing a cost burden. The NLIHC also calculated housing wage for the Dubuque MSA. Based on HUD estimates, Dubuque FMR for a two bedroom apartment is $581. To avoid cost burdens would require a housing wage of $11.04. For a minimum wage worker, 61 hours a week would be needed to achieve this housing wage. However, the estimated average wage for renters in the Dubuque MSA is $10.28 requiring a 43 hour work week to afford a 2 bedroom apartment at current FMR levels. The picture is less rosy for those on Supplemental Security Income (SSI) as their sole income. At current SSI payment levels for Dubuque, an individual could only afford a rent of $202 without incurring a cost burden. However, FMR for one bedroom apartments in Dubuque MSA is $442. 4 Alta Vista Research, Inc 25 Dubuque Consolidated Plan 2011 -2015 A couple of cautions are appropriate when using the NLIHC data. While the FMR values are provided by HUD, the calculation of housing wage is determined by NLIHC and represents only what an individual would have to earn to avoid a cost burden for a two bedroom apartment. However, this calculation does not account for households with more than one wage earner or the FMR for units other than two bedrooms. It is reasonable to believe that there are many renters who comprise only one part of full time wage earners of the household and /or who live and desire or need something other than a two bedroom apartment. With these cautions aside, the data is still useful for Dubuque's projections and consideration of housing affordability. It is certainly likely that minimum wage earners or those with fixed subsidies will face housing affordability issues. The LIHC data provides a clearer picture of this phenomenon and translates the data into usable and understandable metrics such as a "housing wage." OVERCROWDING 5 The U.S. Census Bureau defines an overcrowded housing unit as any in which there is more than one occupant per room (excluding bathrooms, porches, etc.). For the ACS, the national overcrowding rate estimate was 3% (Margin of Error + /- .1) and for Dubuque the estimate was 0.6% ( +/- .2 to .5). The Census Bureau does not provide a fully collapsed category table for the Margin of Error (MoE) occupant per room calculations, so the +/- .2 to .5 is a statement of the MoE for the two categories collapsed here (1.01 to 1.50 occupants per room and 1.51 or more occupants per room). Owing to the limited sample size, it is currently impossible through the ACS to provide a precise tabulation of overcrowding in owner - occupied versus renter - occupied units for the city of Dubuque (the MoE is too broad to determine reliable averages across categories — renter and owner). As the dataset expands this impediment will likely be removed. However, the national figures are discernible and indicate (accounting for lower and upper bounds of MoE) an overcrowding rate in owner occupied units of 1.6- 1.7% and in renter - occupied units of 5.7 -5.8 %. The Dubuque data provides a similar impression, with renter occupied units some 3 times more likely to experience overcrowding. Overall, however, it appears that the lack of overcrowding in housing units, renter - occupied or owner - occupied, identified in the previous consolidated plan is present currently as well. As noted in the previous consolidated plan, one possible explanation for the lower than average overcrowding in Dubuque housing units may be the city's household and family size. The average household size in Dubuque is estimated to be 2.27 persons ( +/- .04) and family size is 2.89 persons ( +/- .07). Both household and family size estimated in the ACS for Dubuque are smaller than the national ACS estimates of household size - -2.6 persons ( +/- .01), and family size- -3.19 ( +/- .01). Areas of Racial /Ethnic Minorities and Low - Income Population 6 Data is not currently available for a direct comparison of census block and tracts from the 2000 Census. ACS data at the block and tract level will likely be available in 2010. Keeping with HUD Comprehensive Housing Affordability Strategy (CHAS) guidelines and past practices with consolidated plans, the following section provides tables and 5 Alta Vista Research, Inc 6 Alta Vista Research, Inc 26 Dubuque Consolidated Plan 2011 -2015 data on population. The information that follows largely corresponds to the CHAS tables produced in previous consolidated plans. Table 5. CHAS Population Race Change 00- 05107** *** (of one race reporting) White 55,466 53,804 ( +1-881) 96% -3% Black 700 1,206 ( +/ -273) 2 2% +72 3% American Indian or 112 94 ( +/ -62) 0 2% -16% Alaska Native Asian 390 579 ( +/ -151) 1 0% +48 5% Native Hawaiian or 65 69 ( +/ -106) 0 1% +6 2% Other Pacific Islander Other 400 310 (+1-270) 0 6% -22 5% Two or More Races 553 791 ( +/-240) 1 4% +43% Total Pop 57,686 56,853 ( +1-888) 100 % * ** -1 4% Hispanic (of any race) ** 911 1,121 ( +/-260) 2 0% +23 1% Household Pop 53,519 53,739 ( +/ -881) 94 5 Non - Household Pop 4,167 * *** *Totals from revised 2000 census 2000 Census* 05 -07 ACS (MoE) 05 -07 % of Pop % Pop ** The Census Bureau guidelines consider race and Hispanic origin to be two separate and distinct concepts Therefore, Hispanics and Latinos may be of any race Furthermore, the 2000 Census included a bifurcated categorization of ethnicity -- Hispanic or Latino and Not Hispanic or Latino The significance of this issue of race and ethnicity remains as the vast majority of Hispanics consider their race to be white ** *Due to rounding, the column % of population does not equal exactly 100% * ***05 -07 ACS does not separately report an estimate of non - household population and thus no margin of error, but given the estimate for household population the total is likely to be 3,114 +/- x * *** *given the ACS margin of error (MoE), it may be of interest to establish the high and low limits Again, the ACS reports these MoE a t the 90% confidence level, so the actual number is within that MoE range at a 90% probability On simplest terms the actual number is to be within the high and low created by the MoE 90 times out of 100, and the actual number is just as likely to be at or near the upper end as the midpoint or bottom limit) A 2009 transit study by LSC Transportation Consultants, Inc. commissioned by the City of Dubuque for the city's Keyline Transit System provides an estimate of minority and poverty populations by census tract and blocks. Important and relevant elements of the report from LSC Transportation Consultants, Inc. are cited below. Beyond the recent transit study, the FFIEC publishes yearly census data highlighting demography, income, population and housing information by census tract. This data is compiled from both the census and HUD. The FFIEC provides data by census tract for Dubuque and updates several areas of the data yearly (e.g., median family income). However, these updated areas are used in addition to static 2000 Census figures such as minority population. So, the FFIEC data updates on several economic indicators by census tract — including estimates, but there is not a new estimate of the racial composition of the same tract, for instance. Only the updated FFIEC categories are included in the table below. As such, while the LSC estimates are 2008 figures, the FFIEC Medium Family Income (MFI) figures (both MSA MFI and the tract percentage of MSA MFI) are 2009 figures. Table 18 below merges LSC estimates with FFIEC data on the same selected census tracts. The table provides a picture of estimated economic and demographic 27 Dubuque Consolidated Plan 2011 -2015 conditions, including race, poverty, and MFI for tract and its relative percentage of Dubuque MSA MFI. Table 18. Estimated Minority Population. Poverty, and MFI with MSA Comparisons by Census Tract 2008* 2008* 2008* 2009 ** 2009 Est ** Census Est Est % Pop Est % Pop Est Tract Tract MP/ as Tract Pop Minority in Poverty MFI %MSA MFI 1 2,980 16 5% 23 9% $33,300 53 3% 3 2,256 63% 43% $55,313 885% 4 4,169 <1% 11 $53,869 86 5 4,266 6% 15 6% $45,025 72% 6 3,746 63% 10 $63,531 101 7% 701 3,825 82% 14% $58,519 936% 702 3,597 24% 115% $53,881 862% 801 4,927 25% 9 4% $67,931 108 7% 802 3,443 1 2% 2 7% $77,406 123 9% 9 3,998 31% 63% $59,294 94 9% 1101 3,663 12% 2 1% $68,863 1102% 1102 5,770 35% 6 1% $61,150 979% 1201 4,197 4 3% 66% $65,756 105 2% 12 02 2,053 2 2% 7% $59,800 95 7% 12 03 6,282 4 3% 3 9% $73,794 118 1% 101 01 2,015 2 2% 6 7% $53,513 85 6% 101 03 2,734 1 4% 4 6% S59,638 95 4 Sources *LSC, * *FFIEC There is much of interest in table 18, but one thing of note is that four of the five most racially diverse census tracts are also among the top five tracts for the prevalence of poverty, and the single most diverse census tract is also clearly the most impoverished. Simply put, Dubuque's most racially mixed areas are its most impoverished. * 28 Dubuque Consolidated Plan 2011 -2015 MAPS & CHARTS The map below shows the minority population by Census Tract as a percent of the City's total population. In -7601 1154% WIN 1100- Tr4%-Adi@ 141% - 1605 841% Tr. 945E% •r* 10101 -15. - T60761-i.0% Tm4I29- ]58%=Ted 1101 -1194 - Tote 545% E 001311 Zr. -Tatl101W- 1.1111 I. 1IlG1V, ael% •1bs3 - tee 101 Gt. 111% mum 3b!%- 121102.10616 - too 101 - aluem Tree la 555• mec et% cm:Terrvtm5 Tract 102 2 36% AGIS Du But1u A'ata1ary1Mna1Yrowlat'54 estriend *thee n/ImAe 154108 ueated 41r1271.32i5 ` - J the i Geog ' o m tong the Subteen Area ea �eog Information D (NG'S) xekn incodes Jae. created by lath the ityof / Dtbuque and Dubuque Cooky lm1 Itn ense 0a hal ahie the City of D00tae and 5 n Diked he rcd ut: nfama ret and gebibbte.DADIS acrd is efomahon or d mtuane,emear a ranaap r elcp apt:neeronad act beheld Thetly atlp a ;odd Ala. dal . t�tm sanle 6r any a:<tmeiw.�n�a c0n0es,rdal pun%e.. spent cama90s. Miieterfaeseeat 9 ulforeaeable.eising tut of he athodod a unet00nrc ese of Its nab he ruble( to lye 55 Ole van* 411bae5er. 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% Tract 12!01 2.56% Minority Population a ' - c: nt of Total Population by Census Tract 1. The chart below shows the comparison of poverty and minority population. V. , n m m m m m n ° • . . m m n m n ~ ~ r H H H H f H 32 2.74% 29 7 -. /Tract 11,02 Pct Minority Tract 101.02 1.22% 52 Tract 101.03 1.30% r4ct101. 1'52% !tip t' Minority P • PctMinority • PctPoverty Tract 0 2.36'0_ lotion Source: 2000 US Census Dubuque Consolidated Plan 2011 -2015 Priority Housing Needs (91.215 (b)) Priority Housing Needs The funding priorities are shown on the Housing Needs Table. Funding for meeting the needs of these priorities is expected to be provided with Community Development Block Grant (CDBG) funds. Additional HOME funding is applied for through the State of Iowa for specific projects. Section 8 funds are used to provide rental assistance to low- income persons but are not included in these funding estimates. Although additional partners will be needed to assist in this energetic plan, their participation is not shown since they have not been specifically identified. Based on the housing market data, the City of Dubuque proposes to focus its CDBG funds towards improving the quality of life in neighborhoods for extremely low, very low and low income households, and to preserve and increase the stock of affordable owner and renter housing units. The following housing priorities have been established: - Expand home - ownership opportunities for extremely low to low income households - Preserve and maintain existing affordable housing through rehabilitation of properties for extremely -low to low- income households - Preserve existing housing and residential neighborhoods. - Increase the housing options and related services for special needs populations. - Create and maintain emergency and transitional housing and support services for persons and families at risk for homelessness. Basis for Priority The housing priorities were identified based on the Alta Vista study data on housing availability and affordability that is referenced throughout this document. Public input was also reviewed. The Housing data was analyzed and priorities were established by the Community Development Advisory Commission using the following definitions: • High priorities are those activities that WILL be funded with CDBG funds • Medium priorities are those activities that MAY be funded with CDBG funds, but only after high priorities have been funded or if sufficient need is further identified. • Low priorities are those activities that will NOT be funded with CDBG funds but may be funded with other City or local funds. Medium and low priority activities are still important and are not meant to be understood as being unnecessary but those needs may have other more appropriate funding sources. The City has identified a limited number of priorities to provide a focus for activities that will be funded in the next five years. There are a sufficient number of medium priority needs to ensure that funds can be spent in a timely manner. The priorities identified were developed by: • Weighing the severity of the need • Analyzing current housing, economic, social and community conditions • Analyzing the needs of low and moderate income persons and families • Assessing the funding resources available over the next five years • Evaluating input from community meetings, interviews, studies and surveys, City staff, City Council priorities, and public hearings. 30 Dubuque Consolidated Plan 2011 -2015 Obstacles to Meeting Underserved Needs Anticipated obstacles to meeting underserved needs are lack of sufficient resources, which limit the ability to provide programs and services, and lack of sufficient providers. Two major obstacles that can make acquisition and rehabilitation of older downtown housing infeasible for low-moderate income households are 1) the combined costs of purchase and rehabilitation which exceeds the borrowing capacity of lower- income households and 2) the total costs can exceed market values, making conventional financing difficult to obtain. In addition, meeting federally required historic standards for rehabbing older, historic homes can be costly when using federal assistance programs. The City places a high priority on developing the capacity of the not - for - profit sector, to rehabilitate, build, maintain and manage affordable housing. It is essential that the capacity of these groups be otherwise nurtured and developed to help meet the housing needs of the City's low -and moderate - income persons. This also includes building the capacity of neighborhood associations for neighborhood -level response to social and housing conditions with the help of our Neighborhood Development Specialist. Washington Neighborhood: Revitalize Initiative The Washington Neighborhood has been locally designated as an area in need of assistance. The area is a 55 square block area bounded by 11 and 22n Streets on the south and north; and by White and Elm Streets on the west and east respectively. At its eastern and western boundaries, uses tend to be more commercial, with the residential core located along Washington and Jackson Streets. Housing uses begin to intensify north of 14 Street and become increasingly more concentrated toward the north end of the area. Scattered small businesses and institutional structures are located throughout the neighborhood. Although no CDBG recognized designation will be initiated, the area continues to be the focus of City initiatives to encourage home ownership and redevelopment. A comprehensive, citizen based plan for the neighborhood has been approved and is currently being implemented. The Washington Neighborhood Development Corporation, a new non - profit corporation was formed in 2009 to promote revitalization efforts in the Washington Neighborhood. The WNDC is staffed by a fulltime executive director, initially funded by the City of Dubuque. A board of directors has been recruited to represent the interests of stakeholders, including the Washington Neighborhood Association, landlords, businesses and lenders, and city government. The corporation will promote activities to improve the neighborhood in a variety of ways. Housing Market Analysis (91.210) Based on the data below, the City of Dubuque expects to focus its CDBG entitlement funds on preserving and increasing affordable housing for extremely low, very low and low income households. 31 Dubuque Consolidated Plan 2011 -2015 General Housing Market and InventoryHousing Supply According to the 2005-7 ACS, Dubuque contains 25,273 housing units (+1-266). This marks an increase from the 2000 Census total housing unit figure of 23,819. Taking into consideration the MoE, this represents an increase of 5.8%, with the upper limit of change being 7.2% and the lower limit 5%. This change in total housing units largely mirrors the change from the 1990 to 2000 Census (roughly a 6% change). Of the housing units identified in the ACS, 23,651 ( +1- 499) were classified as occupied, with 1,622 ( +/- 446) classified as vacant. In relation to the total housing units, occupied units represent 93.6% ( +/- 1.8) with vacant units representing 6.4% ( +1- 1.8). The ACS reports a rental vacancy rate of 9% ( +/- 4.8) and a homeowner vacancy rate of 0.4% ( +1- 0.5). The ACS occupancy rate marks a decrease from the 2000 Census figure of 94.7% occupancy rate. Of the total occupied housing units identified by the ACS, 16,590 ( +1- 529) were identified as owner - occupied, with 7,061 ( +/- 639) identified as renter - occupied. Of the total occupied units, owner - occupied represent 70.1% ( +1- 2.4) and renter - occupied the remaining 29.9% ( +1- 2.4). The Dubuque Housing Department's current assessment of total rental stock is 7,800 units. In the previous assessment of total licensed rental stock in 2004, the city had 7,626 total rental units. This represents a 2.3% increase in licensed rental units from 2004 to 2008. This full enumeration is consonant with the findings of the ACS considering the estimated vacancy rates and margin of error. It is important to note the relative population of Dubuque within renter - occupied and owner - occupied units respectively. According to the ACS, 39,759 individuals ( +/- 1,332) are in owner - occupied housing units and 13,980 ( +/- 1,429) are in renter - occupied units. Therefore, roughly 66% of the population resides in owner - occupied units. Vacancy 8 A `vacant' housing unit is one in which no one is living during the interview period unless its occupants are only temporarily absent. Following the Census Bureau's definition of vacancy, the ACS indicated a total of 1,622 ( +1- 446) vacant housing units. As a total of all housing units this represents 6.4% ( +/- 1.8) of housing stock. For comparison, the 2000 Census indicated a vacancy rate of 5.3% and an absolute number of vacant housing units of 1,259. Of the estimated 1,622 vacant housing units, 836 ( +/- 395) are indicated to be offered for rent or sale only and rented or sold but not yet occupied. All other vacant units total 786 ( +/- 272). Included in these other vacant units are those for which the occupant is residing elsewhere 135 ( +1- 107). This category could include individuals with more than one residence. The ACS estimates do not yet allow for a full accounting of the conditions surrounding the vacancy. While the 2000 Census provided data indicating the type of housing vacant in terms of "seasonal, recreational, or occasional use" housing units, in its current state the ACS does not provide that same data. In addition, the ACS does not Alta Vista Research, Inc 8 Alta Vista Research, Inc 32 Dubuque Consolidated Plan 2011 -2015 yet provide reliable estimates for the various conditions of vacant property (e.g., age of structure, plumbing facilities, etc.). Regardless, it is clear that not all of the vacant housing units identified present active and available rental stock. From the ACS data it appears that the vacant units actively open on the sales or rental market do not even include all of the estimated 836 ( +/- 395) given that this total includes those already rented /sold but not yet occupied. Also, the category of `other vacant' includes those not for rent or sale, etc. While it is impossible from the ACS data to determine the exact number of housing units for sale remaining vacant (thus speaking to the supply issues in the housing market and inventory), it is clear that the number of units available is certainly quite less than the total vacant housing unit figure estimated by the ACS. In addition to the limitations of current ACS data to identify the exact characteristics of the vacant properties, it is also not possible currently to impute the rental vacancy rates by census tract. This was done for the 2000 Census, but cannot be accurately replicated here. However, it is reasonable to expect that current patterns of vacancy largely follow the past trends. In addition, data from other studies may shed some light on the question. The City's vacancy rate is markedly higher for its rental units than its owned units (9% for rental units and 0.4% for owned units, +/- 0.5 and 4.8 respectively). Dubuque's housing inventory as estimated in the ACS continues to be older than both the state and national averages. Available Housing 9 The U.S. Census Bureau classifies housing types in a number of ways. One of the more important forms is classification by number of units within a structure. Such figures provide a way to understand the forms of housing predominant in a given location. The ACS estimates for Dubuque are provided in the table below: Table 20. ACS Estimated Housing Type and Percentage of Total Housing inventory Estimate (MoE) %Total Units (MoE) Total Housing Units 1 unit, detached 16,050 ( +/ -537) 63 5% ( +/ -2 1) 1 unit, attached 1,261 ( +/ -341) 5% ( +/ -1 4) 2 units 1,853 ( +1-380) 7 3% ( +1-1 5) 3 or 4 units 1, 700 ( +1-328) 6 7% ( +1-1 3) 5 to 9 units 1,649 ( +1-285) 6 5% ( +1-1 1) 10 to 19 units 708 ( +/ -213) 2 8% ( + / -0 8) 20 + units 1,287 ( +1-226) 5 1% ( + / -0 9) Mobile home 765 ( +/ -191) 3 0% ( +1-0 8) Boat, rv, van, etc 0 ( +1-127) 0 0% ( +1-0 1) Considering the estimates above, roughly 2/3rds of Dubuque housing units are single units. The largest category of housing unit complexes, 20+ units, accounts for a smaller percentage of housing units than many other categories of multi -unit structures. Housing Age 10 9 Alta Vista Research, Inc 10 Alta Vista Research, Inc 25,273 ( +1 100% 33 Source U S Census Bureau Dubuque Consolidated Plan 2011 -2015 The ACS provides estimates for the age of housing units. The structure data collected refer only to when the structure was first constructed, and does not consider any renovations since the original construction. The current ACS data indicate that over 1 /3rd of structures were built 70+ years ago (37.1%, +/- 2.2), and roughly 2/3rds having been built 40+ years ago. As indicated elsewhere in this report, Dubuque has an older than state and national average age of its housing structures. The following table provides a breakdown of estimates of housing structure age of occupied units by tenure of occupants (owner v. renter). Table 21. ACS Estimated Age of Structure by Tenure of Occupant Estimate (MoE) Total Structures 23,651 (+1-499) Owner occupied 16,590 (+1-529) Built 2005 or later 143 ( +1- -95) Built 2000 to 2004 624 ( +/ -167) Built 1990 to 1999 1,320 ( +1-196) Built 1980 to 1989 876 ( +1-219) Built 1970 to 1979 2,413 ( +1-306) Built 1960 to 1969 2,612 ( +/-274) Built 1950 to 1959 2,539 ( +1-359) Built 1940 to 1949 928 ( +1-221) Built 1939 or earlier 5,135 ( +1-511) Renter occupied 7,061 (+1-639) Built 2005 or later 90 ( +1- -86) Built 2000 to 2004 356 (+/-1 73) Built 1990 to 1999 401 (+1-157) Built 1980 to 1989 518 ( +/ -1 71) Built 1970 to 1979 1,177 ( +/ -199) Built 1960 to 1969 482 ( +1- -166) Built 1950 to 1959 525 ( +/-170) Built 1940 to 1949 347 ( +/-133) Built 1939 or earlier 3,165 ( +/ -558) Source U S Census Bureau From the data above, up to 50% (considering MoE) of renter-occupied structures were built 70 years ago or more, while roughly 30% of owner-occupied structures were built 70 years ago or more. It is simply the case that a greater percentage of renters than owners occupy the oldest housing units in Dubuque's inventory. According to ACS estimates, the median year structure built for owner-occupied units is 1959 ( +/- 2) and for renter occupied units the median year built is 1950 ( + / -8). Given the MoE it is not appropriate to claim a significant difference in median age of structure. However, as the ACS data set expands the MoE for renter occupied units will likely decrease and allow a more exact comparison. It is also of interest to consider the relative condition of the structures either owned or rented. One concern for aging housing stock is the suitability of either /both the physical condition of the structure or the fiscal condition of the householder relative to housing costs. The following table provides the ACS estimates for data on housing condition by renter versus owner (i.e., tenure). Physical conditions could include incomplete bathroom or kitchen facilities, while fiscal conditions could include a housing cost burden of greater than 30 %. Table 22. ACS Estimated Selected Physical or Economic Condition by Tenure Estimate (MoE) Total Housing Units 23,651 Owner occupied 16,590 34 (+1-499) ( +1- -529) Dubuque Consolidated Plan 2011 -2015 With one selected condition 3,210 ( +1 -458) With two selected conditions 91 ( +1 -74) With three selected conditions 0 ( +1- -12 With four selected conditions 0 ( +1- -12 No selected conditions 13,289 ( +1 -552) Renter occupied 7,061 ( +1 -639) With one selected condition 2,614 (+1-435) With two selected conditions 15 ( +1- -117) With three selected conditions 49 ( +1 -73) With four selected conditions 0 (+1-12 7) No selected conditions 4,242 (+1-501) Source U S Census Bureau From the data above, it is clear that renters are more likely than owners to face a physical or fiscal condition creating a housing burden. Housing Value/Costs 11 The ACS estimate of the median value of owner - occupied units in the City of Dubuque is $115,100 ( +/- $3, 442). As with the 2000 Census, the ACS figures represent an estimate by the homeowner of combined value of dwelling and land and are not checked against assessments, appraisals, etc. The 2000 Census determined median value at $88,400. Even considering inflation and valuation difficulties, this change does represent a measurable increase in median value. Looking further into the ACS estimates, a picture of the distribution of value within the owner - occupied housing emerges. The distribution is provided in table 23 below. Table 23. ACS Estimated Housing Values and Number of Units Estimate (MoE) Total Units 16,590 (+1-529) Estimated Value Less than $50,000 992 (+1-228) $50,000 to $99,999 5,403 (+1-473) $100,000 to $149,999 5,882 ( +1 -471) $150,000 to $199,999 2,268 ( +1 -282) $200,000 to $299,999 1,431 ( +1 -236) $300,000 to $499,999 349 (+1-130) $500,000 to $999, 999 265 (+1-95) $1,000,000 or more 0 (+1-127) The data above conforms with standing trends in housing values found in previous consolidated plans. The clear plurality -to- possible majority of housing units are self - reported to be valued between $100,000 to $200,000. Taking into consideration the reported MoE, units in this range account for an estimated 43 -55% of the total. Units in the lowest two categories account for anywhere from 33 -44 %. This range was calculated using MoE for both total units and the discrete category. Those with the units in the lowest category composed roughly 4-8% of the total. In regards to costs, perhaps the most significant concern for the Dubuque Housing Department in its assessment of needs, the picture for both owner - occupied households and renter - occupied households shows cost pressures. As with previous examinations, housing costs continue to rise at a pace faster than general income trends. However, Dubuque still demonstrates lower than state and national average housing costs 11 Alta Vista Research, Inc 35 Source U S Census Bureau Dubuque Consolidated Plan 2011 -2015 pressures. Unfortunately, the ACS cannot yet provide a fully comprehensive picture of housing burden. As such, the SOCDS HUD data employing the 2000 Census will be presented as well as the newer, yet not as complete, ACS data. The Census Bureau, HUD, and numerous other housing agencies and interest groups accept a 30% of household income as a threshold for housing burden. Housing costs should not account for more than 30% of income according to this standard. A look at the distribution of housing costs as a percentage of household income for owner - occupied units with/without a mortgage provides a picture, albeit incomplete, of the costs pressures within Dubuque. Table 24 provides this data. Table 24. ACS Estimated Owner - occupied Unit Cost Burdens by Household Income and Mortgage Status Total Owner-occupied Units 16,590 ( +/ -529) With a mortgage 10, 335 ( +1-556) Less than $20,000 Household Income 839 ( +1-228) 30 percent or more Cost Burden 839 (+1-228) $20,000 to $34, 999 Household Income 1, 492 ( +/ -325) 30 percent or more Cost Burden 970 ( +1- -316) $35,000 to $49, 999 Household Income 1, 756 ( +1-308) 30 percent or more Cost Burden 477 (+1-149) $50,000 to $74,999 Household Income 3,194 (+1-430) 30 percent or more Cost Burden 391 ( +/ -167) $75,000 or more Household Income 3,054 ( +1-356) 30 percent or more Cost Burden 67 (+1-65) Without a mortgage 6,255 ( +1-421) Less than $20,000 Household income 1,281 ( +1-241) 30 percent or more Cost Burden 662 ( +/ -169) $20,000 to $34,999 Household Income 1,663 (+1-293) 30 percent or more Cost Burden 110 ( +1- -87) $35,000 to $49,999 Household Income 1,023 ( +1-224) 30 percent or more Cost Burden 0 ( +/ -127) $50,000 to $74,999 Household Income 977 (+1-205) 30 percent or more Cost Burden 0 (+1-127) $75, 000 or more Household Income 1,264 ( +1-258) 30 percent or more Cost Burden 0 (+1-127) To present the data without specific regard for household income categories but with consideration of more detailed cost levels, table 25 is provided below. The table presents owner - occupied housing units by mortgage status and percent of monthly owner costs as percentage of household income. Table 25. ACS Estimated Owner - occupied Units by Mortgage Status and Cost Burden Estimate (MoE) Total Owner-occupied Units 16,590 (+1-529) Housing units with a mortgage 10,335 (+1-556) 20 0 to 24 9 percent Cost Burden 2,250 ( +1-350) 25 0 to 29 9 percent Cost Burden 1,242 ( +1-270) 30 0 to 34 9 percent Cost Burden 837 (+1-221) 35 0 to 39 9 percent Cost Burden 463 (+1-162) 40 0 to 49 9 percent Cost Burden 567 ( +1-168) 50 0 percent or more Cost Burden 877 (+1-235) Housing units without a mortgage 6,255 ( +1-421) 20 0 to 24 9 percent Cost Burden 603 ( +/ -197) 25 0 to 29 9 percent Cost Burden 339 (+1-158) 30 0 to 34 9 percent Cost Burden 220 ( +/ -105) 35 0 to 39 9 percent Cost Burden 182 ( +/ -116) 40 0 to 49 9 percent Cost Burden 180 (+1-89) 50 0 percent or more Cost Burden 190 (+1-81) 36 Source U S Census Bureau Source U S Census Bureau Dubuque Consolidated Plan 2011 -2015 From the data above, some rather intuitive observations can be made. It is clear that the estimates paint a picture in which those households with the lowest level of household income are more likely to face housing costs at 30% or greater. This is true regardless of mortgage status of the owner - occupied unit. It is, of course, more acute for those owner - occupied households with a mortgage. Given the ACS standing as estimates with a margin of error, the range of households with costs burdens needs to be accounted for. Even with the margin of error considered, however, it is clear that nearly all households with a mortgage in the bottom household income category face housing costs at 30% or greater. It is essential to consider the cost burdens of renter - occupied households versus owner - occupied households. Data on housing cost burdens in Dubuque County (broader than the city) indicate that 25% owners with a mortgage, 11% of owners without a mortgage, and 38% renters face housing cost burdens. Again, a housing cost threshold of 30 percent or greater of household income is considered a housing burden. The following table provides a comparison of the two groups, owners and renters, in terms of household income and percent of housing costs. Table 26. ACS Estimated Monthly Housing Costs as Percentage of Household income by Tenure and Household Income Level Estimate (MoE) Total Occupied Housing Units 23,651 ( +/ -499) Total Owner-occupied Units 16,590 ( +/ -529) With a mortgage 10, 335 ( +1-556) Less than $20,000 Household Income 839 ( +1-228) 30 percent or more Cost Burden 839 ( +/ -228) $20,000 to $34,999 Household Income 1, 492 ( +/ -325) 30 percent or more Cost Burden 970 ( +1-316) $35,000 to $49, 999 Household Income 1, 756 ( +1-308) 30 percent or more Cost Burden 477 ( +/ -149) $50,000 to $74,999 Household Income 3,194 ( +/ -430) 30 percent or more Cost Burden 391 ( +/ -167) $75,000 or more Household Income 3,054 ( +1-356) 30 percent or more Cost Burden 67 (+1-65) Without a mortgage 6,255 ( +1-421) Less than $20,000 Household income 1,281 ( +1-241) 30 percent or more Cost Burden 662 ( +/ -169) $20,000 to $34,999 Household Income 1,663 ( +1- -293) 30 percent or more Cost Burden 110 (+1-87) $35,000 to $49,999 Household Income 1,023 ( +1-224) 30 percent or more Cost Burden 0 (+1-127) $50,000 to $74,999 Household Income 977 (+1-205) 30 percent or more Cost Burden 0 (+1-127) $75,000 or more Household Income 1,264 ( +1-258) 30 percent or more Cost Burden 0 (+1-127) Total Renter - occupied housing units 7,061 (+1-639) Less than $20,000 Household income 3,063 ( +1-448) 30 percent or more Cost Burden 2,364 ( +1-420) $20, 000 to $34, 999 Household Income 1,563 ( +1- -346) 30 percent or more Cost Burden 337 ( +1- -154) $35,000 to $49,999 Household Income 931 ( +1-242) 30 percent or more Cost Burden 82 ( +1- -86) $50, 000 to $74, 999 Household Income 760 ( +1-231) 30 percent or more Cost Burden 0 (+1-12 7) $75,000 or more Household Income 277 ( +1-141) 30 percent or more Cost Burden 0 ( +/ -127) Source U S Census Bureau Beyond cost burdens by household income levels, looking at gross rent and fair market rent (FMR) can provide some general insights into housing cost burdens. Gross 37 Dubuque Consolidated Plan 2011 -2015 rent is defined as the sum of rent paid to the owner plus any utility costs incurred by the tenant — excluding phone service. FMR is determined by HUD and represents the 40th percentile of gross rents for a typical, non - substandard rental unit occupied by recent moves in a local housing unit. FMR excludes public housing, substandard housing, housing less than 2 years old, etc. Table 27. Gross Rent as Percentage of Household Income Renter - occupied Units Gross Rent < 15 Percent Household Income Gross Rent 15 to 19 9 Percent Household income Gross Rent 20 to 24 9 Percent Household Income Gross Rent 25 to 29 9 Percent Household income Gross Rent 30 to 34 9 Percent Household income Gross Rent 35 Percent Household Income or More Not Computed From the table above, the most significant finding is the size of the renting population experiencing a cost burden. Roughly 30% of renters face extreme cost burdens with gross rent 35% or more of household income. A further 7.3% of renters face burdens above the 30% threshold commonly employed by housing agencies and interest groups. In all, a third to nearly half of all renters had gross rents creating a cost burden of more than 30% of household income. Beyond the problem of cost burden, households may face additional pressures leading to inadequate housing security. Additional pressures tracked by the ACS include overcrowding, inadequate plumbing or kitchen facilities, etc. The ACS provides an estimate of housing units and the presence of such conditions. Table 28 below presents this data. Table 28. Housing Units by Tenure with Selected Physical and Financial Conditions Estimate (MoE) Total Occupied Units 23,651 ( +1-499) Owner occupied 16,590 ( +1-529) With one selected condition 3,210 ( +1-458) With two selected conditions 91 (+1-74) With three selected conditions 0 ( +/ -127) With four selected conditions 0 ( +/ -127) No selected conditions 13,289 ( +1-552) Renter occupied 7,061 (+1-639) With one selected condition 2,614 ( +1-435) With two selected conditions 156 ( +/ -117) With three selected conditions 49 (+1-73) With four selected conditions 0 (+1-127) No selected conditions 4,242 ( +1-501) These conditions correspond to burdens associated with the physical condition of the unit and /or the financial condition of the household. Such conditions include excessive 38 7,061 ( +1-639) 1,318 ( +1-105) 18 7% (+1-4 1) 699 (+1-207) 9 9% ( +/ -2 7) 904 (+1-245) 12 8% ( + / -3 4) 890 (+1-251) 12 6% ( +/ -3 5) 518 (+1-183) 7 3% ( +/ -2 5) 2,265 ( +/ -419) 32 1% ( +/ -5) 467 (+1-209) Source U S Census Bureau Source U S Census Bureau Dubuque Consolidated Plan 2011 -2015 cost burden (over 30% housing costs as percentage of household income, overcrowding, incomplete facilities, etc.). From the data above it is clear that renters face a greater likelihood of physical or financial burdens than owners. This observation should not be surprising considering the data on table 27 indicating the prevalence of cost burdens on renters (and such a burden is embedded in the data in table 28). Demand for Multi - family /Household Structures 12 It is clear from the data that single- family detached units still dominate Dubuque's housing landscape. However, as the population changes there may be an increase in demand for alternatives to the traditional single - family detached housing units. Alternatives may be sought for financial reasons as well as others. The demand for multi - family /household structures is present, of course, among renters, but may also be found in certain segments of those seeking or holding homeownership (via condominiums, etc.). For example, demand for multi - family /household structures (anything from condominiums to assisted living communities) across the nation increasingly can come from the elderly. In short, as more individuals seek to establish separate households the demand may increase. According to the ACS, Dubuque's median age is 38.3 ( +/- .4) In regards to household types, family versus non- family households, the ACS estimates 66.8% ( +/- 1.6) were family households (those places of residence where related, by blood or law, individuals reside), while 33.2% ( +/- 1.6) were non- family households. An estimated 30.2% of family households have children <18 years of age ( +/- 1.5), an estimated 55.1% ( +/- 1.9) are married couples. Average household size is estimated to be 2.42 ( +/- .03) and average family size of 3 ( +/- .06). It is likely that Dubuque will continue to experience an increase in single- parent households, an aging population, and those seeking housing alternatives. An estimated 18% ( +/- 0.3) of the population is 62 years or older, 15% ( +/- 0.1) are 65 years or older, 5.5% ( +/- 0.3) are 75 to 84 years of age, and 2.3% ( +/- 0.3) are 85 years or older. Given the continued desire by city officials to increase Dubuque's appeal and affordability, it is likely to face a need for multi - family /household housing developments. Both redevelopment and development will likely be needed. Housing Development 13 Data on building permits obtained through HUD's SOCDS indicate that single - family buildings continue to be the single largest category for building permits. This is not all - that surprising, however, it is of interest to note the permit activity across categories. Table 29 below provides building permit information by unit type for the years 2004 through June 2009. Table 29. Housing Unit Building Permits 2004 -2009: HUD SOCDS 2004 2005 2006 2007 2008 2009 Total (2004 -June 2009) Total Units 531 156 127 120 56 36 1026 Units in 86 104 93 77 44 24 428 Single- Family Structure 12 Alta Vista Research, Inc 13 Alta Vista Research, Inc 39 Dubuque Consolidated Plan 2011 -2015 Units in Multi- 445 52 34 43 12 12 598 Family Structures Units in 2 Unit 38 38 22 22 12 12 144 Multi - Family Structures Units in 3 and 4 6 9 6 9 0 0 30 Unit Multi - Family Structures Units in 5+ Unit 401 5 6 12 0 0 424 Multi - Family Structures One concern in the data above involves the large multi- family structure constructed in 2004. That structure is an important outlier and stands in stark contrast to the permit patterns across the rest of the time period. If one excludes the anomalous 2004 multi- family figure, it is clear that the strong majority of building permits in the past four years are for single- family structures. Exclusive of 2004, 69.1% of permits were for single - family structures. Keeping 2004 in the analysis, 41.7% of structures were single - family and 58.3% multi - family (with 2 unit structures accounting for 24.1% of multi - family structures, 3 and 4 units 5% of multi- family structures, and 5+ units accounted for 70.9% of multi - family structures). Specific Housing Objectives (91.215 (b)) Source HUD SOCDS Priorities and Objectives The City of Dubuque will focus its CDBG entitlement funds towards improving the quality of life for extremely low, very low and low income households by establishing the following priorities and objectives. HOUSING PRIORITIES Expand home - ownership opportunities for extremely low to low income households. DH -2.1 Objective: Provide down payment assistance to extremely low to low income households Preserve and maintain existing affordable housing through rehabilitation of properties for extremely -low to low- income households DH -1.1 Objective: Provide housing opportunities to maintain, improve and/ or obtain affordable housing for all income eligible residents. DH -1.2 Objective: Restore existing vacant or under - utilized structures into affordable housing units, especially larger residential units, for income eligible households. DH -2.2 Objective: Maximize participation in and use of low- interest rehabilitation loan /grant funds for rental housing units. DH -1.3 Objective: Create lead safe housing units. 40 Dubuque Consolidated Plan 2011 -2015 DH -2.3 Objective: Provide assistance to qualified low and moderate - income homeowners, including elderly, for the rehabilitation of housing units. DH -1.4 Objective: Develop affordable housing to increase the housing opportunities. Increase the housing options and related services for special needs populations. DH -1.5 Objectives: Provide for implementation of fair housing opportunities for all populations. SL -1.1 Objectives: Increase opportunities for the elderly, disabled and persons with special needs to maintain an independent lifestyle. DH -1.6 Objectives: Modify existing and/or create accessible housing units Create and maintain emergency shelters, transitional housing and permanent supportive housing and support services for persons and families who are homeless or at risk for homelessness. DH -1.7 Objectives: Build capacity of local agencies to support the creation of emergency and transitional housing and homeless services, especially for women and children. Preserve existing housing and residential neighborhoods. DH -1.8 Objective: Enforce minimum housing quality standards in all rental housing through systematic code enforcement. DH -3.1 Objective: Assist low-income homeowners to improve and preserve historic character of residential structures. Federal, state, and local public and private sector resources will be used to address these identified needs. Needs of Public Housing (91.210 (b)) The City of Dubuque has no public housing. The Housing and Community Development Department serves as the public housing authority (PHA) for the City of Dubuque. The City assists low income persons with affordable housing through HUD's Section 8 program, which offers rental assistance to lower- income families in privately owned housing. Section 8 Housing Assistance The City of Dubuque administers 1,063 Section 8 Housing Choice Vouchers and 14 Moderate Rehabilitation units, all of which are currently utilized. The Voucher Payment Standard is 110% of Fair Market Rent. Seven of the Housing Choice Vouchers are current participants of the Section 8 Homeownership Program. 41 Dubuque Consolidated Plan 2011 -2015 All landlords and property owners are encouraged to participate in the HCV program. Currently approximately 350 landlords are providing units for participants. As of January 2010, there were 981 applicants on the Section 8 waiting list. The waiting list is currently closed except to applicants qualifying for local preference points. Local Preference Points are provided for elderly (aged 62 +), disabled, applicants receiving community support services and local residents. Single persons will not be assisted until all elderly, disabled and displaced singles have been assisted. Therefore, the waiting period for single persons and persons remaining on the waiting list without local preference points is indefinite. The average waiting period for applicants qualifying for local preference points is approximately two to ten months. Approximately 98% of applicants are extremely low income; others are Very Low Income. Head of household are primarily female, with 812 females and 169 adult males residing in Section 8 housing. The Family Self- Sufficiency (FSS) program is a federal program designed to teach low income families how to become financially self sufficient. It is a HUD sponsored program that is funded through a yearly grant. The FSS program works with welfare agencies, schools, businesses, and other local partners to develop a comprehensive program that gives participating family members the skills and experience to enable them to obtain employment. Family Self- Sufficiency is a voluntary program for current participants. During FYE 2009 four participants graduated from the Family Self- Sufficiency (FSS) program with combined total earnings of $12,614 in HUD escrow monies. An escrow account is another benefit of the FSS program. Every time a participant has an increase in earned income and the rent increases based on the earned income, the participant receives a portion of this difference in a savings or escrow account maintained by the City of Dubuque. This account continues to earn interest and builds until the participant graduates from the FSS program. Graduation from the program occurs when either the head of household is working full time (or part time if receiving disability), has been free of cash welfare assistance (FIP) for one full year and has met all of their goals. Upon graduation, the participant is entitled to use their escrow account however they see fit. Often, the escrow check is used as a down payment on their new home. The City of Dubuque has sponsored a series of trainings to increase awareness of class differences and reduce barriers to economic opportunity for lower- income persons. The "Bridges Out of Poverty" and "Getting by in a Just Gettin' Ahead World" workshops have been expanded to include City employees, area social service professionals and consumers. The Gettin' Ahead program completed its second year with a total of 72 graduates who have completed the class. Next year's classes are projecting to engage over 60 participants. Two FSS participants and the FSS Coordinator became national certified trainers in Bridges Out of Poverty. The "Getting Ahead in a Just Gettin' -by World" training curriculum has been offered to 93 consumers, with a 77% graduation rate for the 20 -week course. Graduates report a major change in attitude and perception, with 48% employed by the end of class. Partners include the Dubuque Rescue Mission, Community Foundation, Project HOPE, First Baptist Church and Iowa Workforce Development Center. 42 Dubuque Consolidated Plan 2011 -2015 The City of Dubuque's Section 8 program continues to be rated as a "high performer" housing authority according to HUD Semap rating criteria. Public Housing Strategy (91.210) Dubuque has no public housing. See the above section on Section 8 assistance and associated programs. Barriers to Affordable Housing (91.210 (e) and 91.215 (f)) Public Policies Many public policies have been adopted by the City that assist affordable housing. The City of Dubuque adopted a Unified Development Code (UDC) in October, 2009 which combines the City's previous Zoning Ordinance, Subdivision Regulations, Historic Preservation Ordinance, and portions of the Building Code into one document. The UDC eliminated contradictory and redundant regulations while updating City Codes to reflect new approaches in land use regulation and city initiative for sustainability. The new code was developed after much public input and will assist in the development of affordable housing. The City of Dubuque has established large areas of downtown as both historic districts and urban revitalization districts. These designations assist owners with costs of rehabilitation and maintenance of older properties, through eligibility for special grants and tax abatements. The Urban Revitalization Program allows owners who upgrade their residential properties to receive a ten -year exemption from the property tax increase that would normally accompany property improvements. An urban renewal district has also been established in the downtown, offering a tax increment financing capitalized low - interest loan pool for residential rehabilitation projects. The City will continue to assist developers in obtaining Low Income Housing Tax Credits from the Iowa Finance Authority and other existing tax credit programs for assistance to affordable housing projects. These include State of Iowa Enterprise Zone credits, and the State of Iowa and federal historic rehabilitation credits. The City will continue to work in collaboration with other organizations to create housing opportunities that provide assistance to low and moderate income persons. Strategy to Remove Barrier The John Marshall Law School Fair Housing Legal Support Center completed an Analysis of Impediments to Fair Housing (Al) for Dubuque in 2001. In 2009, Alta Vista Research conducted an Al to identify the extent to which certain impediments identified in 2001 continue to exist and to identify additional potential impediments. They completed a Rental Property Survey, an Analysis of 2008 Home Mortgage Disclosure Act Data, and a Consolidated Population, Housing, and Market Analysis. In addition, in preparing the final AI, the City reviewed the 2009 Rental Market Overview for Dubuque, completed by Real Property Research Group for the Iowa Finance Authority. The final Al report resulted in the completion of a Fair Housing Action Plan as described below. 43 OBJECTIVE ACTIVITIES DEPARTMENT RESPONSIBLE TIME FRAME A Increase the development and preservation of decent, affordable and accessible housing 1 Encourage the development of high quality, market rate multi - family rental communities 2 Reduce the number of rental properties with undesirable features through improved code enforcement and rehabilitation assistance Economic Development Housing & g Human Rights Ongoing B Increase the amount of accessible housing and housing with universal design features 1 Encourage inclusion of accessibility and universal design features in all new and renovated housing, even if not legally mandated, including in the Historic Millwork District Economic Development Housing Human Rights Ongoing C Support the development and disbursement of housing options for the more needy residents of Dubuque 1 Provide strong, positive leadership when new developments are challenged by neighbors in the developing areas 2 Encourage disbursement of developments to avoid concentrations of poverty 3 Apply for HUD rent - exceptions to allow those with Section 8 rental assistance access to a broader range of units throughout the community 4 Encouraged mixed income housing units in the Historic Millwork District Housing Planning Economic Development Ongoing Dubuque Consolidated Plan 2011 -2015 Fair Housing Action Plan for City of Dubuque Impediment No.1 — The Lack of a Diverse Stock of Accessible Affordable Housing Dispersed Throughout Dubuque 44 OBJECTIVE ACTIVITIES DEPARTMENT RESPONSIBLE TIME FRAME A Increase and 1 Continue to attract new Economic Ongoing retain the number of new residents in the community residents by increasing the economic base of the community Development 2 Welcome and connect new residents of all backgrounds through the Distinctively Leisure Services Ongoing Dubuque program and the Multicultural Family Center Ongoing 3 Support the efforts of Human Rights Dubuque Works and encourage a specific focus on attracting and retaining a diverse workforce City Manager Dubuque Consolidated Plan 2011 -2015 Fair Housing Action Plan for City of Dubuque Impediment No.2 — An Environment Where There are Few Minorities to Serve as Role Models 45 OBJECTIVE ACTIVITIES DEPARTMENT RESPONSIBLE TIME FRAME A Continue to work to improve the image of Dubuque as a diverse community both internally and externally 1 Support the work of the Multicultural Family Center Leisure Services Ongoing B Increase positive interaction amongst diverse populations in housing and employment, with a particular focus on reducing racial tension 1 Welcome and connect new residents of all backgrounds through the Distinctively Dubuque program and the Multicultural Family Center 2 Support cross-cultural events at the Multicultural Family Leisure Services, City Manager Leisure Services Ongoing Ongoing Center 3 Continue the Speakers' Human Rights Ongoing Bureau 4 Continue the City's ICC efforts, including training initiatives Human Rights Personnel Ongoing g g Dubuque Consolidated Plan 2011 -2015 Fair Housing Action Plan for City of Dubuque Impediment No.3 — The Perception That Dubuque is not a Welcoming and Inclusive Community for Outsiders and Particularly Minorities to Locate 46 OBJECTIVE ACTIVITIES DEPARTMENT RESPONSIBLE TIME FRAME A Continue and expand the education and outreach program of the Human Rights Commission 1 Distribute brochures and market fair housing at City Expo 2 Continue media outreach on fair housing issues 3 Continue use and distribution of Fair Housing video and Guide Human Rights Human Rights Human Rights Every April Every April Ongoing B Establish a fair housing audit or testing program 1 Human Rights Commission to investigate whether to recommend that City Council establish a fair housing testing program and, if so, under what circumstances Human Rights 2011 C Take strong enforcement action in fair housing cases where there has been a finding of probable cause 1 Pursue current case involving sexual harassment of women with disabilities that is pending in district court Legal Dept 2010 Dubuque Consolidated Plan 2011 -2015 Fair Housing Action Plan for City of Dubuque Impediment No.4 — The Failure of Victims of Housing Discrimination to File Complaints and the Absence of a Deterrent for Subtle Discrimination 47 OBJECTIVE ACTIVITIES DEPARTMENT RESPONSIBLE TIME FRAME A Increase minority home ownership 1 Encourage active outreach and marketing to minority community regarding the range of available products and the availability of assistance Housing Human Rights Ongoing B Promote mixed income homeownership in the most diverse census tracts 1 Continue the Washington Neighborhood Revitalization efforts and home purchase incentives Housing Ongoing Dubuque Consolidated Plan 2011 -2015 Fair Housing Action Plan for City of Dubuque Impediment No.5 – The Small Number of Minority Home Owners in Dubuque Homeless Needs (91.205 (b) and 91.215 (c)) Homeless Population The homeless present another special population of concern for the community and for reporting. Data from both the HUD - mandated annual reporting to both state and federal authorities as well as the "Point in Time" (PIT) report (a snapshot of homelessness on a given day —in 2009 this day was January 28th) is referenced in this report. Both of these reports were provided by Project Concer, a local non - profit agency providing referral and other services to those with unmet needs in the community— including the homeless. The data provided only reflects those who have sought services from community groups and agencies, and cannot be taken as a full enumeration of the homeless population. In addition, the annual reporting referenced here does not include the City's largest homeless shelter, the Dubuque Rescue Mission. Given their funding status, the Rescue Mission, as well as the Hope House Shelter, are not required to follow the HUD reporting requirements. The annual reporting requirements are mandatory for those agencies and groups receiving government monies for providing services to homeless. The agencies included in the annual reporting data are as follows: Hillcrest Family Services, Maria House, Project Concern and Manesseh House. Both the Rescue Mission and Hope House are, however included in the PIT report. Again, that PIT report is merely a one day snapshot of homelessness. For the calendar year 2008 -2009 the agencies listed above reported 455 unique individuals (referred to in the data and reporting mechanisms as `clients) seeking assistance. In total during this time period, 618 individuals sought services. Given the difference between unique individuals seeking assistance and the total number of clients, it appears that at most 156 individuals sought services on more than one 14 Alta Vista Research, Inc 48 Dubuque Consolidated Plan 2011 -2015 occasion. It may be that the difference is made up of a smaller number of individuals who were in and out of these shelters on multiple occasions within the year. This does not imply, however that the 455 individuals simply sought shelter for one night, but rather they registered with the shelter for assistance, whether that translated to one night or longer. Table 8. Homeless Population in Dubuque Calendar Year 2008 -2009: Selected Characteristics* (n =618) Race Gender Age Length of Stay ** 56% White 62% Female 34 6% <18 y/o 22% >1 week < 1 month 30% Black 36% Male 62 3% > =18 y/o 15% >3 months <1 year 7% Multi -race 2% No Response 3% Unknown 15% 1 -3 months 2% American Indian/ 34% <1 week Alaskan Native 11% 1 year or more 2% Native Hawaiian/ Pacific Islander 2% No Response *Due to rounding all categories do not equal 100% * *Categories are not mutually exclusive, so category total does not equal 100% Source Project Concern Importantly, children comprise 34% of the homeless population reported in the annual data (211 of 618 clients). In addition, adults in families comprise 18% of the homeless population in the annual data. All told, essentially half of all the homeless in this annual report are either children in families or adults in families. One way to express this is to say that of all the people seeking homeless services, half of them are individuals in families. It must be re -noted and re- stressed here, however, that these annual figures do not include the single largest homeless shelter in Dubuque, and that this shelter is not a family shelter and houses adults only. Additional items of note reveal themselves in the Project Concern data for calendar year 2008 -2009. Of those seeking services in this period, 86% were listed as homeless. Furthermore, 40% indicate a disability. Those reported with a disability are those individuals who indicate they receive services for a disability. Additionally, 54% of those seeking services were registered as unemployed. In all, 48% of individuals were listed as first time homeless, with 31% as experiencing their second or third period of homelessness. Thirty -one individuals were listed as chronic homeless (corresponding to roughly 5% of total population seeking services). Chronic homelessness is a HUD term for someone who is homeless for one year or longer or who has had four episodes of homelessness within the last two years. It should be noted here, however, that per HUD definitions families are not classified as being homeless. In general, females and African- American individuals are disproportionately represented in the homeless population in Dubuque compared to their general presence in the total population. Examining the PIT data from January 28th, 2009, 96 individuals were homeless, with 66 adults and 30 children comprising that total number of clients. Again, this data represents merely a one night survey of homelessness. A picture of the City's homeless is incomplete without consideration of the largest shelter in Dubuque, the Dubuque Rescue Mission. The Mission is open only to adult male, and is a 31 bed facility also open for meals. The Rescue Mission compiles statistics on what they call "bed nights." This statistic corresponds not to the number of 49 Dubuque Consolidated Plan 2011 -2015 unique individuals who are provided shelter, but rather the total number of used beds (this figure does not allow for a determination of how many people received a bed, just how many beds were provided). The Mission has registered a high -level of activity in 2008 -9 and in the current year. In 2008 the Rescue Mission provided 8,671 bed nights and 44,233 meals. While there are certainly times when beds are used at a higher frequency (e.g., winter months), it is clear that the shelter sees a high rate of use throughout the year. Given the size of the facility, in a given year the shelter could provide a maximum of 1 1, 315 bed nights. In all, 76.6% of these possible bed nights were accounted for. And as stated, the use of the facility is not evenly distributed across the year. So, the shelter clearly spends a good deal of its year at or very near its capacity for beds. In terms of meals, across the year the Rescue Mission averaged 121 meals per day. Looking at this year's data, the Rescue Mission has already provided 7,748 bed nights (as of Nov. 4) and has served over 36,287 meals. Considering the date of the data, the shelter was operating for 308 days. This provides a possible 9,548 bed nights so far this year, and an 81% rate of use of possible bed nights. Looking at these averages across the year so far it is clear that the Rescue Mission is running ahead of its previous year's bed night count. Furthermore, it has served 36,287 meals. Considering the number of days in the year so far, this corresponds to a daily average of 118 meals, essentially unchanged from the previous year. Again, all of these annual averages mask the very real phenomena that the use of such shelters and services is not uniformly distributed throughout the year. In addition, individual level data, if available, would provide a strong contribution to the efforts to define and delimit the homeless population in Dubuque. Regardless, it is clear from this data that the Dubuque Rescue Mission is the central provider of shelter to the homeless male population and is also a mainstay in the efforts to feed those who cannot otherwise feed themselves. Without their work the strains on the community would be even greater. Priority Homeless Needs The Homeless and Special Needs Populations Chart (formerly HUD Table 1A) is included in Appendix The City of Dubuque will focus its CDBG entitlement funds towards improving the quality of life for the homeless by establishing the following priority and objective. Homeless Priorit Create and maintain emergency shelters, transitional housing and permanent supportive housing and support services for persons and families who are homeless or at risk for homelessness. DH -1.7 Objectives: Build capacity of local agencies to support the creation of emergency and transitional housing and homeless services, especially for women and children. The City of Dubuque will address any gaps in services and housing for the chronically homeless by supporting the efforts of the Continuum of Care system. Homeless prevention activities will be assisted with the Homelessness Prevention and Rapid Re- Housing Program (HPRP) grant received by the City in 2009. The HPRP program provides financial and other assistance to prevent individuals and families from 50 (1) Provider Organizations (2) Prevention (3) Outreach (4) Supportive Services Mortgage Assistance Rental Assistance Utilities Assistance Counseling /Advocacy apueasissV leba1 Street Outreach Mobile Clinic Law Enforcement Case Management Life Skills Alcohol & Drug Abuse Mental Heath Counseling Healthcare HIV /AIDS Education Employment Child Care Transportation Project Concern X X X X X Hillcrest Family Services X X X X X X X X X X X X X Maria House X X X X x X X X X X X X Iowa Department of Human Services X X X X Dubuque Rescue Mission X X X Visiting Nurses Association X X X Dubuque County of Veteran's Affairs X X X X X X Iowa Workforce and Development X X Dubuque County General Relief X X X X City of Dubuque Housing X X X X ECIA /County Housing X X X Dubuque Police Department X X Operation New View X X X X X X YWCA Domestic Violence Program X X X X X X Substance Abuse Services Center X X Four Oaks X X X X Teresa Shelter X X X X Manasseh House X X X Iowa Legal Aid X X Hope House X X Crescent Community Health Center X X Dubuque becoming homelessness to be quickly re-housed who would be homeless Homeless The attached the existing facilities and services that assist the homeless. 51 Dubuque Consolidated Plan 2011 -2015 HOUSING ACTIVITY CHART Emergency Shelter The Dubuque Rescue Mission has been in continuous operation since the 1930's. It currently has 31 beds for men only. > Hope House provides 12 beds for emergency housing for men age 18 and over. > Josiah House provides 12 beds in 4 units for families. > The Dubuque Y domestic violence shelter provides 18 beds for women or women with children.(No men or male children over 12). > Hillcrest Family Services has a 20 -bed emergency youth shelter for youth for youth ages 7 -17. > Teresa Shelter provides 30 beds and supportive services for homeless women (with or without children). > Transitional housing • Maria House provides housing for up to 18 women and children. Stays from six months to two years are allowed. Funding for this facility was provided by the Housing Department, through an IDED Local Housing Assistance Program grant and a grant from the Des Moines Federal Home Loan Bank. The facility operates at capacity. Hillcrest Family Services provides five transitional units for homeless families with 22 beds. Hillcrest Family Services owns and operates two, five -bed adult homes as transitional residential programs for adults diagnosed with a serious mental illness. Programs are staffed 24 hours a day, 7 days a week. Permanent supportive housing > Davis Place currently consists of four single room(SRO) occupancy facilities totaling 62rooms, constructed in 2000 and 2002 with City- sponsored IDED- Local Housing Assistance Program grants and in 2004 and 2009 with IDED HOME grant, providing supported housing to homeless and indigent males. Manasseh House provides 19 SRO units for low- and - moderate income women. • Salvia House is an SRO facility with 18 rooms for low and moderate income women that is currently under construction, funded with an IDED HOME grant, with completion scheduled for 2010. Homeless Strategic Plan (91.215 (c)) Homelessness Homelessness in the City of Dubuque is monitored under the Continuum of Care model by the local Homeless Advisory Board. The CoC carries out its homelessness strategy through a combination of public and private sector organizations, including state and local government agencies, the City's housing department, schools, law enforcement and correctional agencies, non - profit and faith -based organizations, local businesses, medical and social service providers, and advocacy groups. Project Concern provides the coordination for a single point entry for homeless in our community and employs a homeless coordinator to assist homeless access to services including shelter, food, medical, employment, and education opportunities. 52 Dubuque Consolidated Plan 2011 -2015 A HUD Continuum of Care grant pays for a homeless coordinator on the staff of Project Concern. A working network was established of homeless shelters and service providers, which respond to the needs of the City's homeless population. The Continuum of Care Strategy is summarized below. Dubuque's Continuum of Care funds four programs: Legal Advocate and Follow Up Staff for Maria House, Homeless Hotline /Homeless Coordinator through Project Concern, Operation Empower with Manasseh House and the Hopes Project through Hillcrest Family Services. 1) Project Concern provides a 24 Hour Homeless Hotline and Homeless Coordinator thru the Continuum of Care grant. Staff is available 24 hours a day to assist homeless individuals and families access services. Clients are referred to local shelters, if the shelters are full, clients are then assisted with an overnight stay at a hotel. The next day clients meet with the Homeless Coordinator to assess their needs, provide appropriate referrals, and provide financial assistance if necessary. The Homeless Coordinator is the single point of entry for homeless in our community. The Homeless Coordinator assists homeless in connecting with services including shelter, food, medical, employment, education opportunities. The Homeless Coordinator assists clients being evicted to obtain new housing and assists clients from becoming homeless by preventing evictions. The Homeless Coordinator coordinates the Shelter Plus Care program for the City of Dubuque and Project Concern. The Shelter Plus care Program provides rental subsidies and supportive services to homeless individual with disabilities and their families. Participants live in housing leased from private landlords and pay 30% of their adjusted annual gross income for rent and maintain consistent and ongoing supportive services. 2) Manasseh House /Operation Empower provides supportive services to low- to medium - income women in single room occupancy (SRO) housing. The program seeks to empower women through housing, education, and employment and offers a variety of services to enable them to succeed. 3) Maria House /Openinq Doors provides more than a transitional housing initiative. Women are encouraged to make choices that are appropriate for them, to develop personal responsibility, to live independently in permanent housing and to achieve their full potential. They are expected to stay at least six months, but no more than two years. During this time, staff works closely with the women to set developmental goals and create strategies to achieve them. Existing community resources are utilized for job training, education, employment, individual and family counseling plus access to safe, affordable, permanent housing. In addition, staff at Maria House offers life- skills training and many supportive services on -site. These services include: budgeting, parenting skills, women's health issues, social skills, communication skills, anger management, legal services, computer skills, housing advocacy, and tutoring. About 75% of the women who live at Maria House have been evicted from their home, 15% come from institutions (i.e. jail, treatment centers, hospitals) and 10% from emergency shelters. 53 Dubuque Consolidated Plan 2011 -2015 4) Hopes Proiect /Hillcrest Family Services provides transitional housing to homeless families, including families containing males over the age of 12. This is the only project in eastern Iowa that includes males. Family apartments are provided in a safe and secure location, with supportive services and 24 hour available supervision. The building has five apartments. 10% of the persons served come from the street or other locations not meant for human habituation, 30% come from emergency shelters, and 60% are persons are in transitional housing who come directly from the street, emergency shelters or safe havens. The CoC Homeless Advisory Board meets on a quarterly basis to access immediate problems and provide continuity for those serving the homeless population. The Continuum of Care facilitates community wide planning, prioritization and program monitoring. The Continuum, through the work of the HAB conducts point -in -time studies showing a dramatic seasonal fluctuation in homelessness. Dubuque Community Schools is now providing homelessness information to the HAB. The coordination of services for the homeless was established thru the 24 -hour Homeless Hotline designed and implemented by the CoC HAB in conjunction with Project Concern. The system is used by Project Concern, Maria House, Operation: New View, Hillcrest Family Services, Catholic Charities, City of Dubuque Housing and Police Departments, Lantern Center, Rescue Mission and others. FUNDAMENTAL COMPONENTS IN C of C SYSTEM Prevention The Workforce Development Center offers an array of counseling, testing, training, and referral programs for the unemployed. Hillcrest Mental Health and Counseling Centers provide mental health counseling services to individuals, families and children, with medication management, different kinds of therapy, peer support, crisis support and follow -up services for those discharged from mental health institutions. Two food pantries operate in the City. The County Veteran's Office assists area veterans. The General Relief office offers emergency financial assistance. The Department of Human Services provides a variety of income maintenance and case management programs to assist persons and families. The Housing and Community Development Department provides HUD Section 8 rent - assisted units. Scenic Valley Agency on Aging provides numerous services to senior citizens. The Substance Abuse Services Center (SASC) offers substance abuse counseling and therapy groups. Project Concern's Information and Referral activity staffs a 24- crisis line and a computer - generated referral directory of all available supportive services in the area. The Red Cross, Salvation Army, Operation New View CAA and St Vincent de Paul offer emergency funds and a variety of crisis - oriented services. Catholic Charities, Hillcrest Family Services and Lutheran Social Services offer case management and counseling services. CofC /Homeless Advisory Board (HAB) members regularly meet monthly and monitor the CofC- funded single - point -of -entry system. This includes communication of on -going agency issues and coordination of service delivery. The Board continues to assess how to address gaps in the system, particularly how to provide more effective outreach to 54 Dubuque Consolidated Plan 2011 -2015 homeless persons and families. Project Concern staff continue to work out manages the the Homeless Management Information System (HMIS). The City of Dubuque received $502,294 in Homeless Prevention and Rapid Re- Housing Program (HPRP) funds from the America Recovery and Reinvestment Act of 2009. The HPRP program provides financial and other assistance to prevent individuals and families from becoming homeless and helps those who are experiencing homelessness to be quickly re- housed and stabilized. The funds target individuals and families who would be homeless if not for this assistance. Institutional Structure - How homeless access services: With the single - point -of -entry (SPE) system, Project Concern employs a full -time homeless coordinator staff. All agency requests for initial homeless assistance are referred to the coordinator, who performs intake and assessment. The coordinator then makes decisions regarding the housing needs of the applicant and makes the referral to the appropriate agency. The coordinator provides the intake information to the referral agency; transportation may also be provided, as necessary. And any needed follow -up and advocacy services are also provided through the coordinator's efforts. This system works 24 hours /day, seven days /week, through Project Concern's crisis line. Trained volunteers handle off -hours phone coverage. An inventory of emergency housing options has been compiled by the coordinator and is kept current. This inventory includes all area agencies and also hotel /motels, which are willing to accept referrals for emergency stays. The Dubuque Police Department utilizes this system regularly The SPE coordinator also serves as principal staff to the Homeless Advisory Board, which meets monthly; and oversees the HMIS responsibilities performed by Project Concern. The coordinator serves as the hub of the year -round "Continuum" process, which coordinates intra- agency service delivery and planning functions. How Homeless Access Services: The single - point -of -entry (SPE) system has greatly enhanced coordination of services to homeless persons and families. With a single agency intake /assessment/ referral function, supportive service needs are identified and referrals made to appropriate agencies. Follow -up and advocacy services are provided by the homeless coordinator. The goal is to ensure that no client falls "between the cracks" in the system. Outreach Hillcrest Family Services provides a homeless outreach staff, funded through a State Division of Mental Health PATH grant, emphasizing services to homeless chronically mentally ill persons. The outreach worker maintains regular hours at the Rescue Mission homeless shelter and weekly visits places where homeless persons are known to "reside" under bridges and in abandoned buildings. Operation New View Community Action Agency employs three full -time outreach workers. The staff visits persons in homes or on the street to link them with services; provide deposit funds, furnishings or clothing; and walk them through the service system. Project Concern provides referral services, either through drop -ins at their office or by phone. The Crisis Line operates 24 hours /day. 55 Dubuque Consolidated Plan 2011 -2015 Intake and assessment is provided by a number of agencies, including DHS, General Relief, Lutheran Social Services, Alternative Services, Four Oaks /Cornerstone, Catholic Charities, Helping Services of Northeast Iowa, Hillcrest Family Services, Operation New View CAA, Scenic Valley Area Agency on Aging, Substance Abuse Center(SASC) and the Dubuque County CPC Coordinator. The City of Dubuque Keyline Transit System provides subsidized transportation services through metro buses and minivan service. Project Concern's Childcare Resource and Referral Program provides assistance to families in need of childcare. Project Concern's homeless coordinator provides advocacy and education services in connection with McKinney -Vento Act education rights and protections; the Community School District is a Continuum partner in this effort. The downtown Northeast Iowa Community College (N ICC) Learning Center provides GED and ESL classes. All these services are coordinated as appropriate with the Visiting Nurse Association, the Red Cross, County Veterans Office, Salvation Army and the City Health Services Department. Supportive Services In addition to the supportive services system in place in Dubuque that has been previously described, treatment services are provided as well by the two area hospitals — Mercy Health Center /Medical Associates and Finley Hospital. Mercy operates a psychiatric unit and a "Turning Point" in- patient program for substance abusers. The Hillcrest Family Services provides psychiatric outpatient services for mentally ill persons. Active local chapters of Alcoholics Anonymous and Narcotics Anonymous assist their client populations. The Crescent Community Health Center was opened in 2005 and provides health and dental services for indigent persons. > Substance Abuse Services Center: SASC receives annual federal funding to provide outreach and counseling services to substance abusers. > The Crescent Community Health Center (CCHC) achieved Federally Qualified Health Center (FQHC) status in 2007. The primary populations it serves are individuals and their dependents on Medicaid and Medicare, as well as those who are uninsured and underinsured. An Increased Demand for Service (IDS) grant for two years allowed the hiring of an additional dentist and dental hygienist, along with increased payments for Medicaid and uninsured patients seen. Through a 2008 Congressionally directed funding allocation, along with a National Association Community Health Center Grant and a private donation, CCHC expanded its facilities with a meeting room, administrative offices, an additional dental suite and two additional medical exam rooms. Federal 2009 ARRA money will provide for remodeling of the lower level of Crescent for storage and a community training and education room to provide educational opportunities for staff and clients, with additional preventative and wellness services for patients and citizens of the Washington Neighborhood.. Operation New View: The community action agency employs three outreach workers who provide direct services to homeless persons and families, including assessment and referral. As well, small cash grants are made to these persons, for basic necessities, using local funds. It is estimated that 10% of staff time is directly related to contact with the homeless. This is provided through CSBG funding 56 Dubuque Consolidated Plan 2011 -2015 PATH Program: Hillcrest Family Services PATH (Projects to Assist in Transition from Homelessness) Program assists persons with mental illness and /or substance abuse disorder and are homeless or at imminent risk of becoming homeless. Services available include: outreach; assistance in obtaining income support services, housing services- including assistance in obtaining shelter or apartment searching, security or utility deposit assistance (as funds are available), applying for Sect. 8 housing program; help with prescription medication costs (as funds are available); assistance in obtaining basic needs; referrals for other community resources, including mental health or drug and alcohol treatment and case management. > The Shelter Plus Care Program offered by Project Concern provides rental subsidies and supportive services to homeless individual with disabilities and their families. Participants live in housing leased from private landlords and pay 30% of their adjusted annual gross income for rent and maintain consistent and ongoing supportive services. The City of Dubuque assisted each of the Davis Place SRO buildings, Manasseh House and Salvia House with "urban revitalization district" designation, providing each property a 10 -year property tax abatement. Maria House received annual Homeless Shelter Operating Grant (HSOG) funds for shelter operations. Project Concern has received HSOG grants for homeless assistance, including rent and security deposits and over -night stays at local hotels. The Community Y Domestic Violence Shelter receives HSOG grants for shelter operations, and the Hillcrest Transitional -SHP Facility received a 2003 HSOG grant for shelter operations. Present Strategy for Ending Chronic Homelessness by 2012 Chronic homelessness is not as readily apparent in our community as in larger urban areas. The few chronically homeless population in Dubuque is mostly transient. They tend to access a variety of services and then leave the area. A majority of the chronic homeless individuals have mental illness, substance abuse or co- occurring disorders. The most difficult segment of the homeless population to track is the individuals and families that double up. We are unable to count these persons as homeless according to HUD guidelines. However it is an increasingly growing sector of homeless in our community and often precedes actual homelessness. The Dubuque Community School District is able to count families that are doubled up whose children are enrolled. As part of our community's present strategy for ending chronic homelessness by 2012, we need an overall seamless system for accessing services. Our community also must become proactive instead of reactive. The strategy must assess the chronic homeless as well as those who are at risk and focus on prevention. Those at risk include individuals being released from prison, mental health institutions, treatment centers, foster care, veterans, victims of domestic violence and those individuals with mental illness, substance abuse issues or both. We need to determine what services are currently in place and refine those as well as develop programs. In conjunction with identifying the chronic homeless, permanent "supportive" housing must be offered. Support services needed include but are not limited to counseling, therapy, treatment, healthcare and assistance in obtaining benefits. 57 Dubuque Consolidated Plan 2011 -2015 Long -term success of individuals would also include education and employment. Some persons riot only need to learn or relearn life skills but also vocational skills to become a productive citizens. Once a foundation has been established and implemented, more thorough assessment and follow up programs must be established. Discharge Coordination Policy In establishing discharge policies to protect the homeless and those vulnerable to the risk of homelessness, the Homeless Advisory Board applies the policies adopted by the Iowa Council on Homelessness in March 2005 and implemented by the State of Iowa. The Iowa's Council on Homelessness was created by executive order in 2003 to evaluate policies, programs, statues and regulations to better coordinate efforts and resources to address and prevent homelessness. Iowa law requires that a case permanency plan for children in foster care include a written transition plan for services for youth, 16 years and older and the establishment of local transition committees to address the transition needs of youth at the time they leave foster care. In 2008, the Community Foundation of Greater Dubuque was awarded a Shared Youth Vision grant with the goal of improving outcomes among Dubuque youth (14 -24) who are currently involved in or who have "aged out" of foster care. Since receiving the grant, Dubuque has established a Shared Youth Committee which includes over 30 local service providers. The Committee meets quarterly to share information and develop resources to improve outcomes for youth aging out of care. The Committee focuses on improving outcomes for youth in the areas of education, employment, financial literacy, housing, mentoring, community connections, and research and data collection. The Iowa Administrative Rules define the protocol for those being released from health care treatment facilities. Discharge planning begins at admission and provides for ongoing patient needs post- treatment, including housing, with the goal of insuring that the discharged patient is provided adequate housing. Emergency Shelter Grants (ESG) Not Applicable Community Development (91.215 (e)) The Community Development Needs Table (formerly Table 2B) is attached in the Appendix. The City has identified the following non - housing community and economic development priorities and objectives: NEIGHBORHOOD AND COMMUNITY PRIORITIES Provide services to families for optimum health, safety, social and human needs. 58 Dubuque Consolidated Plan 2011 -2015 SL -1.2 Objective: Partner with local agencies to facilitate affordable and quality childcare and early education opportunities. SL -1.3 Objective: Provide services to improve the education, health, and human service needs of children and families of all ages, including special needs population. SL -1.4 Objective: Provide programs for increased opportunities for healthy youth interaction, educational advancement and /or recreation. Preserve and promote the character and assets of neighborhoods in income - eligible areas. SL -1.5 Objective: Provide technical assistance to local organizations to guide neighborhood development, revitalization and redevelopment. SL -1.6 Objective: Provide resources for organized neighborhoods in low /mod income areas to encourage self- initiated revitalization efforts. DH -3.2 Objective: Provide inspection and enforcement of zoning and land use regulations to provide support for neighborhood revitalization efforts. Improve the infrastructure and physical environment in income eligible areas. SL -3.1 Objective: Improve and replace sidewalks, and public infrastructure in income eligible areas. SL -3.2 Objective: Provide planning for community needs and administration of programs to insure maximum public benefit and community enhancements. ECONOMIC DEVELOPMENT PRIORITIES Increase economic opportunities through business retention and/or expansion. EO -3.1 Objective: Support local economic development efforts to create or retain jobs that pay benefits and a livable wage to their employees. Encourage redevelopment of existing commercial and industrial buildings EO -3.2 Objective: Correct commercial /industrial building code violations and rehabilitate buildings in older neighborhoods and downtown. Encourage workforce development to ensure equity in employment and economic opportunities. E01.1 Objective: Support transportation programs to maintain access to education, employment, shopping, and health care for low- income persons. E01.2 Objective: Promote workforce development through employment training and programs. Many financial programs funded through multiple sources have been established to assist in our community growth. The City has established two enterprise zones that encompass the downtown area within which property is eligible for state assistance for redevelopment and construction projects. The Urban Revitalization program offers a property tax exemption for new improvements made to qualified residential and commercial properties. The Downtown Rehabilitation Loan program provides financial 59 Dubuque Consolidated Plan 2011 -2015 incentives needed to eliminate conditions of blight, encourage revitalization efforts, and to retain or create employment opportunities and /or new housing units within the district. Historic Preservation Revolving Loan funds provide low interest loans for exterior work that meets the Secretary of the Interior's Standards and Guidelines for Rehabilitation for properties located in local Historic Preservation Districts and Conservation Districts. Historic Preservation forgivable loans are available on a competitive basis to income - qualifying owner - occupants and to qualified non - profit organizations in any local historic district or for any City- designated Landmark for specific rehabilitation projects that preserve the original building materials and character - defining features of the home. Historic Millwork District Dubuque's Historic Millwork District is a major community revitalization effort to create an urban mixed -use neighborhood in a 17 -block area adjacent to downtown Dubuque. The area has 28 historic buildings that were constructed prior to 1935 and were once part of two major mill working businesses that made Dubuque the largest mill working operation in the United States during the 1920's. Most of the mill working industry has left the area leaving approximately one million square feet of underutilized space. The revitalization of the Historic Millwork District is being designed to address the issues of sustainability, workforce and economic development, historic preservation, and arts and culture. The revitalization of this District will also help the City address the critical shortage of rental residential units. Antipoverty Strategy (91.215 (h)) Low - income Population 15 The ACS provides estimates on poverty and Dubuque's population. The ACS estimates 9.6% ( +1- 2.2) of all families had income in the past 12 months below the poverty line. The U.S. Census Bureau recommends caution when comparing poverty figures in the ACS with the decennial census. Of all families with related children under 5 years of age only, an estimated 23.7% ( +1- 11.2) are below the poverty line, while the percentage of impoverished families was estimated to be even greater among those families composed of non - married mothers with related children under 5 years of age only (60% +1- 6.5 for this subgroup). The picture is only slightly better for those non - married mothers with related children less than 18 years of age as 45.1% ( +/- 12.3) were estimated to be below the poverty line. In composite, 39.6% ( +1- 9.6) of female householders (no husband present) families were estimated to be below the poverty line. Beyond the consideration of poverty and families, the ACS also provides data on poverty among people. Of those less than 18 years of age, the ACS estimates 17.2% ( +/- 4.9) are below the poverty line. For all people an estimated 11.9% (+1-1.7) are below the poverty line, with the subgroups of 18 -64 years of age and 65 years of age and older, estimated to have lower rates of poverty (10.3 %, +/- 1.2 and 8.8 %, +/- 1.8, respectively). Additional and more detailed information on poverty and census tract and block level data cannot currently be directly taken from the ACS via the public microdata system. However, additional localized poverty estimates have been made as part of a recent Keyline Transportation study provided for the City of Dubuque by LSC Transportation 15 Alta Vista Research, Inc 60 Dubuque Consolidated Plan 2011 -2015 Consultants, Inc. Those estimates for selected census tracts (those commonly identified as having distinct populations in need or worse than average conditions) are provided below. Tract 8.01 was added in the table below given its relatively high estimate of poverty (9.4 %). In addition to these estimates, data from FFIEC related to 2009 estimated MFI of the same tracts is provided in the same table. The LSC transportation study also estimated minority population concentrations and those estimates are referenced in sections below. Table 15. Estimated Poverty Status and MFi in Selected Census Tracts Census Tract Estimated % in Poverty* Tract MP** 1 3 4 5 6 701 7 02 801 Income in Past 12 Months Below Poverty Line Owner - occupied Renter - occupied 23 9% 4 3% 11 2 15 6% 10 3% 14% 11 5% 94% Table 17. ACS Estimated Poverty Status by Total Households Households with income in the past 12 months below poverty level Married- couple family Owner occupied Renter occupied Other families Male householder, no wife present Owner occupied Renter occupied Female householder, no husband present Owner occupied Renter occupied Households with income in the past 12 months at or above poverty level Married- couple family Owner occupied Renter occupied Other families Male householder, no wife present 61 122 1,181 198 68 130 983 159 824 $33,300 $55,313 $53,869 $45,025 $63,531 $58,519 $53,881 $67,931 Sources *LSC, * *FFIECLooking beyond the level of census tract, table 16 below provides a basic comparison of estimated families in poverty by tenure (owner v. renter). To gain a richer understanding of poverty in Dubuque as estimated in the ACS, it may be beneficial to examine poverty status by type of family and tenure. This data is provided in table 17. Table 16. ACS Estimated Poverty Status for Families by Tenure Total (MoE) Total Families 14,534 ( +/- 507) 1,396 ( +/- 328) 320 ( +/- 146) 1,076 ( +/- 299) Household Type and Tenure Total (MoE) 14,534 ( +1- -507) 1,396 (+1-328) 215 (+1-128) 93 (+1-81) 13,138 (+1-543) 11,099 ( +1 -530) 10,081 (+1-506) 1,018 (+1-286) 2,039 (+1-386) 539 (+1-187) Tract MF1 Dubuque MSA MFI ($62,500) ** 53 3% 88 5% 86 2% 72% 101 7% 936% 86 2% 108 7% Source U S Census Bureau Dubuque Consolidated Plan 2011 -2015 Owner occupied Renter occupied Female householder, no husband present Owner occupied Renter occupied 330 ( +1- -135) 209 (+1-133) 1,500 (+1-324) 950 (+1-240) 550 (+1-213) Source U S Census Bureau A few observations from the preceding two tables are that renter families are more than 2 times more likely to be reported with income below the poverty line, roughly 75% of all households determined to be below poverty line are renter occupied, and female householders (no husband present) are significantly more likely to have household income below the poverty line. Anti - Poverty Strategy Local partnerships are continually being formed to provide services for job skill development, job training, education and other programs that may help families gain self- sufficiency and alleviate poverty. The City works with numerous agencies and organizations to promote and attain these goals. City Staff are is actively involved in numerous community committees. Staff from the Housing and Community Development attends weekly meetings of the Friends of the Community, thereby coordinating activities with non - profit organizations and social service agencies. City staff is on the board of Operation New View, the community action agency for Dubuque County, which by charter is dedicated to implementing anti- poverty programs. The City also works closely with the Homeless Advisory Board and Continuum of Care consortium agencies, referring and receiving clients, to assure continued housing and prevent homelessness. Project HOPE (Helping Our People Excel) is a city initiative designed to serve as a catalyst that brings together service providers, employers and individuals seeking employment. Project HOPE encourages and facilitates collaboration among existing community resources and supports organizations that are expanding resources to share the mission of Project HOPE. The program encourages and facilitates collaboration, communication and advocacy to ensure equity in employment and economic opportunities. Dubuque Works is a workforce initiative comprised of seven community partners, who collaborate to address the workforce challenges within our community. Partners analyze and revitalize existing strategies, identify and address gaps, and work together to seamlessly provide the strongest workforce solutions for companies that choose to make the Greater Dubuque area their home. The Housing Education and Rehabilitation Training Partnership (HEART) program is a public /private partnership that provides vocational construction training and education through rehabilitation of blighted residential properties. The partnership includes the Four Mounds Foundation, Four Oaks, Dubuque Community School District, Loras College and the City of Dubuque. The program teaches self - reliance and instills a strong sense of accomplishment, and provides support for a segment of our population that would otherwise face chronic unemployment. The City and its partners have applied for a Department of Labor grant in order to 62 Dubuque Consolidated Plan 2011 -2015 expand HEART to become a Youth Build program. This expansion would allow us to serve a larger number of at -risk youth and greatly expand the number of services offered to participants. The growth would also allow the program to revitalize more of Dubuque's historic homes and fill a gap in affordable home ownership needs for families. The City has a Family Self Sufficiency (FSS) Program that promotes self- sufficiency and asset development by providing supportive services to participants to increase their employability and encourages an increase in savings through an escrow savings program. Every Child I Every Promise was founded in 2004 as an umbrella organization to connect people to resources and assist service providers in delivering the Five Promises (caring adults, safe places, healthy start, effective education and opportunities to serve) to the children of our community. The organization facilitates collaboration among youth serving agencies to eliminate duplication of services, promotes more efficient use of limited funds and builds a more effective delivery system. In 2007 and 2008, Dubuque was named one of the "100 Best Communities for Young People ". The Dubuque County Youth Master Plan developed in 2006 as a result of the collaboration of numerous organizations to define and measure the service gaps for the youth of our community. A Dubuque Community Growth Chart was created in 2008 to make available a community network of supports, opportunities and activities focused on specific, well- defined and jointly held goals and outcomes. Schools, non - profit agencies, parents, public and private sector leaders, healthcare providers and faith -based groups are engaged in the comprehensive effort. Dubuque Mentoring Partnership was established to promote a one -to -one relationship between a youth and an adult that occurs over a prolonged period of time. The mentor provides young people with support, counsel, friendship, reinforcement and constructive example. The partnership is comprised of St. Mark Community Center, Dubuque Community Schools, Holy Family Schools, Helping Services of Northeast Iowa, Dubuque Community Y, Visiting Nurse Association, Project Concern, Big Brothers Big Sisters, AmeriCorps, Every Child Every Promise, RSVP, and the Court Appointed Special Advocate Program. The City's CDBG programs further reduce poverty. Our first -time homebuyer programs for lower- income households help these families participate in the "American Dream," accumulating equity and building wealth. Also, our homeowner rehab programs enable lower- income families to maintain and improve their homes, reducing energy costs and protecting their investment. The City has recently built a new Multicultural Family Center to empower diverse neighbors, families and individuals by promoting personal growth and participation. The City invested over a million dollars, including CDBG funding, in the rehabilitation of a building to expand the Center. The Center's programs include cross - cultural educational and family activities. The City has hired a full -time director to staff the Center. The City continues to increasing economic opportunities through business retention and /or expansion and addresses the gap from welfare to work. The CDBG financial assistance program to businesses supports economic development efforts to create jobs that pay a livable wage. 63 Dubuque Consolidated Plan 2011 -2015 Low Income Housing Tax Credit (LIHTC) Coordination (91.315 (k)) Not applicable NON - HOMELESS SPECI NEEDS Specific Special Needs Objectives (91.215) The City of Dubuque will focus its CDBG entitlement funds toward improving the quality of life for extremely low, very low and low income households by establishing the following priorities and objectives. Increase the housing options and related services for special needs populations. DH -1.5 Objectives: Provide for implementation of fair housing for all populations. SL -1.1 Objectives: Increase opportunities for the elderly, disabled and persons with special needs to maintain an independent lifestyle DH -1.6 Objectives: Modify existing and /or create accessible housing units Non - homeless Special Needs (91.205 (d) and 91.210 (41) Analysis (including HOPWA) The Non - Homeless Special Needs Table (formerly Table 1B) is included in the Appendix. Special Needs Population 16 Elderly The following table provides a breakdown of the age cohort size within Dubuque's population. Dubuque continues to have a larger and older than average population. Table 4. Age Cohorts as Percent of Total Population: 2000 Census and 2005 -7 ACS (All numbers correspond to cohort's percentage, %, of total population) 2000 2000 2000 05 -07 05 -07 05 -07 Dubuque Iowa U S Dubuque Iowa U S <5 yrs 6 2% 6 4% 6 8% 6 2% (+/-0 6) 6 5%** 69 % ** 5 -9 yrs 66% 69% 73% 60 %( +/ -08) 64% 66% <18 yrs 23 6% 25 1% 25 7% 21 6 %* 23 9% 24 7% 18 -64 yrs 59 8% 60% 61 9% 61 7 %* 61 4% 62 9% 65 yrs + 16 5% 14 9% 12 4% 16 7% ( +/.06) 14 7% 12 5% 75 -84 yrs 61% 54% 44% 65 %( +/ -05) 54% 45% 85+ yrs 2 7% 2 2% 1 5% 2 8% ( + / -0 5) 2 3% 1 7% The data above indicate Dubuque's population has a larger elderly cohort than either Iowa or the nation. Disabilities 16 Alta Vista Research, Inc 64 Dubuque Consolidated Plan 2011 -2015 Of the population in so- called special categories (e.g., students, military, etc.), the ACS provides estimates for the disabled population, students, and the military. The ACS estimates 56 individuals ( +/- 55), or roughly .1% of the population are military, while roughly 4,000 individuals are estimated to be enrolled in college as undergraduates, 600 in graduate school, and roughly 10,000 other students are enrolled from preschool through high school. Beyond the military and students, another special category of population are those with disabilities. From the ACS, 16.5% ( +/- 1.6) of the population 5 years or older are estimated to have one or more disabilities, 10.1% ( +1- 3.1) of those 5 to 15 years of age, and 12.9% ( +/- 1.8) of those 16 to 64 years of age are estimated to have one or more disabilities. These disabilities include sensory, physical, mental, and employment disability. Disability is more concentrated in the population 65 years of age or older, with 37.5% of these persons estimated to have one or more disabilities ( +1- 3.9). Employment status is often a concern within the disabled population and those agencies tasked with providing for the special needs within a community. Of those 16 -64 years of age, the ACS estimates 48.1% of those with one or more disabilities are employed ( +1- 5.6), whereas an estimated 82.3% ( +/- 2.0) of population without disability are employed. The following is a detailed table on disability gathered from 2005 -7 ACS data Table 6. 2005 -7 ACS Estimates Disabled Population by Ape: City of Dubuque Age Total (MoE) Population 5 years and over 52,144 (+1-832) Without any disability 83 5% (+1-1 6) With one type of disability 7 8% (+1-0 9) With two or more types of disabilities 8 7% (+1-1 2) Population 5 to 15 years With any disability Population 16 to 64 years With any disability With an employment disability Population 65 years and over With any disability With a sensory disability With a physical disability With a mental disability With a self -care disability With a go- outside -home disability From the data above it is clear that there is a not - insignificant number of disabled persons, and the number of disabled amongst the elderly is more than twice that of other groups. The following table provides insight into the connection between poverty status and disability in Dubuque. 65 7,197 ( +1 -422) 10 1% (+1-3 1) 36,522 ( +1 -714) 12 9% (+1-1 8) 7 1% (+1-1 3) 8,425 (+1-363) 37 5% (+1-3 9) 16 1% ( +1- -2 8) 24 5% (+1-3 8) 10 0% ( +1- -3 0) 6 9% (+1-1 9) 13 4% (+1-2 5) Source U S Census Bureau Dubuque Consolidated Plan 2011 -2015 Table 7. 2005 -7 ACS Poverty Status and Disability Population 5 years and over for whom poverty status is determined With any disability Below poverty level With a sensory disability Below poverty level With a physical disability Below poverty level With a mental disability Below poverty level With a self -care disability Below poverty level No disability Below poverty level Population 16 to 64 years for whom poverty status is determined With an employment disability Below poverty level 66 Total (MoE) 50,483 ( +1- 820) 8,432 (+1-829) 20 1% ( +1- -4 2) 2,495 (+1-399) (+ 9) 12 7% 4,438 ( +1- -639) 20 9% (+1-5 0) 3 (+ 1-579 ) 27 9% ( +1- -7 2) 955 (+1-180) 8 4% (+1-6 3) 42,051 (+1-1,085) 9 3% ( +1- -1 5) 34,969 ( +1- 714) 2,543 (+1-469) 270% ( +1- -75) Source U S Census Bureau One general note of interest is the higher than average rates of poverty for those with a disability. Individuals in Dubuque with a disability are roughly twice as likely to be in poverty as those without a disability. Likewise, according to the ACS data, a person with a disability in Dubuque is roughly twice as likely to be unemployed than an individual without a disability. Housing for Persons with Special Needs An identified need is the provision of additional housing opportunities to persons with disabilities or special needs. The strategy is to promote and form partnerships with area non - profit providers to seek and obtain funds to provide this housing. The City's support of the Step by Step project is an example of this strategy. The Step by Step project, completed in 2009, provided for the renovation of an historic apartment building as a residence for persons with disabilities. The $1.6 million financial package included HOME, RRP Program fund, an Enterprise Zone tax credit award, funding from the Iowa Finance Authority and the Des Moines Federal Home Loan Bank, and federal and State historic rehabilitation tax credits. Occupants are currently being recruited. The City will continue to pursue funding opportunities to assist persons with disabilities and/or special needs. FACILITY DESCRIPTION Alverno Apartments 3525 Windsor Avenue Section 8 housing for elderly and disabled, subsidized by HUD 100 residential units (10 accessible) Applewood Apartments 3125 -3175 Pennsylania Avenue 134 Apartments for seniors (all but 7 are income eligible) Area Residential Care (ARC) 1170 Roosevelt Street 10 community living homes,2 Home and Community Based Services homes and Kennedy Point apartments and supervised apartments Assisi Village 1001 Assisi Drive 51 units of assisted living residential units Bethany Home 1005 Lincoln Avenue Retirement center featuring apartments, room rental and nursing facility providing 60 apartments, and 54 health care beds Cathedral Gardens 469 Emmett 18 Accessible apartments Dubuque Nursing and Rehab Center 2935 Kaufmann Provides health and convalescent care needs for the elderly 108 ICF or skilled level beds Dubuque Retirement Community Matthew John Drive 185 assisted living units Ecumenical Housing Inc 6 & Locust low income housing for elderly, 89 units rent - assisted (4 units accessible) Ennoble Manor Care Center 2000 Pasadena Drive Extended nursing care facility with 102 beds Henry Stout Senior Apartments 125 West 9 Street 32 apartments for elderly Heritage Manor 4885 Asbury Road 80 Elderly nursing care units, 17 apartments for independent living Hillcrest Family Services 2005 Asbury Road Provides residential support services 63 beds for adolescent residential treatment, and 10 beds for residential treatment of mentally ill adults and 23 emergency youth shelter beds Hills and Dales Child Development Center 1011 Davis Street Residential development treatment center for physically and mentally disabled children and young adults, containing 42 beds with 24 hour nursing service Julian Care Facility 13034 Seippel Road Residential care facility for disabled individuals requiring licensed residential services -72 beds Residential care for persons with primarily mental illness -9 beds Kennedy Manor 2671 Owen Court 73 residential housing units, with elderly and disabled given priority for one bedroom units (21 units accessible) (All units rent - assisted) Luther Manor 3131 Hillcrest Nursing care facility with 103 beds (16 for Alzheimer patients) and 33 apartment units for seniors Manor Care Health Care Center 901 West 3' Street Extended Care facility providing health care services, included skilled nursing (92 beds) Marthas Haus 2217 Queen 19 Elderly apartment units Dubuque Consolidated Plan 2011 -2015 Special Needs Population Facilities 67 SERVICE DESCRIPTION Area Residential Care (ARC) 1170 Roosevelt Street Provides residential treatment services and vocational training programs for mentally disabled persons aged 18 and older, developmental work activities, sheltered workshop, supported employment and a services training program Catholic Charities 1229 Mount Loretta Provides adoption, foster care homes, living arrangements for pregnant unmarried women, refugee resettlement, independent living for elderly and disabled persons Community Circle of Care 799 Main Street Suite 230 Coordination, diagnosis, and assessment services to children and youth with emotional and behavioral challenges Cozy Corner Adult Day Care 2785 Pennsylvania Avenue Adult day care Dubuque Regional AIDS Coalition 1454 Iowa St Provides support for those who have tested HIV positive DuRide Transportation for elderly Finley Home Healthcare 3385 Hillcrest Road Skilled nursing in -home care Goodwill Industries of Northeast Iowa 2300 JFK Road Provides vocational and supporting living services to persons with disabilities Helping Services for Northeast Iowa 2728 Asbury Road Provides substance abuse prevention education Hillcrest Family Services 2005 Asbury Road Provides residential support services, including treatment for adolescents Hillcrest Mental Health Center 200 Mercy Drive Suite 200 Provides an array of mental health services including counseling and support groups Mount Pleasant Home 1695 Mt Pleasant Retirement home for elderly men and women, 43 apartment units (40 accessible) Facility Description Oak Park Place Oak Park Drive 133 units of elderly living units, consisting of 22 independent condos, 50 independent apartments and 61 assisted living units Seventh Heaven 1321 Tomahawk Drive 563 -557 -9110 Elder Group Home Stoneh ill Care Center 3485 Windsor Avenue Intermediate nursing facility, with 168 beds and a residential facility with 82 beds Provides respite care, elder day care Sunnycrest Manor 2375 Roosevelt Intermediate care nursing facility with 88 beds for long term care, 15 beds for residential care and 28 beds for mentally retarded residents Sunset Park Place 3730 Pennsylvania Avenue 54 Assisted living units for the elderly, including respite care (7 are Alzheimer's units) The Woodlands 3460 Starlite Drive 42 elderly apartments Dubuque Consolidated Plan 2011 -2015 SPECIAL NEEDS POPULATION — SERVICES 68 Hillcrest Wellness Center 255 West 6 Street The wellness center serves adults and aging adults in recovery from mental illness, substance abuse, physical injury /illness, and persons coping with acculturation stress (veterans, persons released from prison, immigrants). Hills and Dales Lifetime Center 3505 Stoneman Road Provides services, educational opportunities and social interaction for the elderly Hills and Dales Child Development Center 1011 Davis Street Provides in -home supportive services for physically- and mentally - disabled children and young adults Iowa Vocational Rehabilitation Services 820 Locust Street Assist individuals with disabilities to become employed, obtain disability benefits, Lutheran Social Services 2255 JFK Road State accredited mental health provider for individual, couple, family or child Mental Health America of Dubuque County PO Box 283 Support services for family and persons with mental illness Mercy Home Care 200 Mercy Skilled in -home nursing care Scenic Valley Area VIII Agency on Aging 3505 Stoneman Road Network of elderly services Substance Abuse Services 799 Main Street Substance abuse outpatient services Stonehill Adult Center 3485 Windsor Avenue Adult Day Care Visiting Nurse Association 1454 Iowa Street (24 hours) Provides elderly and disabled services, including case management, home care aids, respite, homemaker, private duty, adult health maintenance nursing and representative payee program Dubuque Consolidated Plan 2011 -2015 The City partners with Proudly Accessible Dubuque (PAD) and independent organization that builds awareness, educates the public and assists businesses with the goal of improving accessibility. PAD provides information about common accessibility issues in four general areas: parking, entrances, internal circulation /access to goods and services, and restrooms, and accessible lodging. PAD provides businesses information about tax credits for making accessibility improvements, facts about the size of the disability market and encourages good faith efforts toward compliance with accessibility laws. Transportation Accessible transportation for poor and low- income persons and for persons with disabilities and special needs is a challenge. Affordable housing is closely linked to access to jobs and other necessary services. In addition to the fixed route service, the City provides a mini -bus, or para- transit, service that provides `origin to destination' transportation and passenger assistance for seniors and persons with disabilities. CDBG funds assisted in the implementation of the DuRide program, which provides personalized private car service 24 hours a day, seven days a week for seniors. The City of Dubuque contracted with LSC Transportation Consultants, Inc. to complete an Operational Analysis of the Keyline Transit system, with a focus on determining the needs for future service expansion; indentifying efficiencies on providing both current and future services; and providing recommendations on system improvement. The City currently is in the process of reviewing an implementation for a preferred service, facility and capital plan that will service the residents of Dubuque efficiently and effectively. 69 Dubuque Consolidated Plan 2011 -2015 Housing for Special Needs Population Currently the City has identified the need for additional housing opportunities for persons with disabilities or special needs. Our strategy is to promote and form partnerships with area non - profit providers to seek and obtain funds for this housing. A high priority will be to continue efforts to develop these partnerships, assess needs, identify opportunities and increase the supply of housing and services for this population. Basis for Priority The priorities were identified based on the Alta Vista study data analysis and public input received. The data was analyzed and priorities were established by the Community Development Advisory Commission using the following definitions: • High priorities are those activities that WILL be funded with CDBG funds • Medium priorities are those activities that MAY be funded with CDBG funds, but only after high priorities have been funded or if sufficient need is further identified. • Low priorities are those activities that will NOT be funded with CDBG funds but may be funded with other City or local funds. Medium and low priority activities are still important and are not meant to be understood as being unnecessary but those needs may have other more appropriate funding sources. The City has identified a limited number of priorities to provide a focus for activities that will be funded in the next five years. There are a sufficient number of medium priority needs to ensure that funds can be spent in a timely manner. The priorities identified were developed by: • Weighing the severity of the need • Analyzing current housing, economic, social and community conditions • Analyzing the needs of low and moderate income persons and families • Accessing the funding resources available over the next five years • Evaluating input from community meetings, interviews, studies and surveys, City staff, City Council priorities, and public hearings. Obstacles to Meeting Underserved Needs Anticipated obstacles to meeting underserved needs are lack of sufficient resources, which limit the ability to provide programs and services, and lack of sufficient providers. Housing Opportunities for People with AIDS (HOPWA) The City of Dubuque does not receive HOPWA funds. Specific HOPWA Objectives Not applicable. CDBG - Recovery The City of Dubuque received $328,269 in CDBG - Recovery (CDBG -R) funds from the America Recovery and Reinvestment Act of 2009. Funding has been allocated to the Green Alley Pilot Project for the reconstruction of three existing asphalt alleys with 70 Dubuque Consolidated Plan 2011 -2015 pervious pavement surfaces to allow rainfall from low- intensity storms to pass through the pavement structure. Funding is also proposed for oversight and administration of the grant. All funding shall be spent by 2012 Neighborhood Stabilization Program (NSP) The City of Dubuque received a $444,328 from the Iowa Department of Economic Development for a Neighborhood Stabilization Program (NSP) grant in April 2009. The grant will provide emergency assistance to purchase foreclosed or abandoned homes and to rehabilitate, resell or redevelop these homes in order to stabilize neighborhoods and deter decline in valuation of neighboring homes. Unified Development Code (UDC) The City of Dubuque adopted a Unified Development Code in October, 2009 which combines the City's previous Zoning Ordinance, Subdivision Regulations, Historic Preservation Ordinance, and portions of the Building Code into one document. The UDC eliminates contradictory and redundant regulations while updating City Codes to reflect new approaches in land use regulation and City initiatives for sustainability. The objectives of the UDC were to conform to local, state, and federal codes, be relevant for Dubuque, be user - friendly and streamline the process. The new code that was developed after much public input reduces obstacles and incorporates sustainable design provisions. Sustainable Community The City of Dubuque identified Sustainable City designation as one of its top priorities in 2006. Since then, multiple strategies and practices have been implemented to make Dubuque a more sustainable community. The City is a member of Climate Communities, and joins all of its members in supporting local government action on climate change as essential for America to achieve energy independence, renew economic prosperity and preserve biodiversity The City of Dubuque has adopted a sustainability policy focusing on the three elements of Sustainability; Environmental and Ecological Integrity, Economic Prosperity, and Social and Cultural Vibrancy. The City believes that development in Dubuque should achieve all three elements to ensure that the future of Dubuque is viable, livable, and equitable for all. HOME Designation Dubuque has been unable to qualify as a "Participating Jurisdiction" under the HUD HOME Program. Dubuque is the largest city in Iowa not currently so designated and therefore does not have entitlement status for HOME funds, having to apply for annual grants in statewide competition. With PJ status, Dubuque would receive a substantial annual HOME grant to support our housing purchase and rehabilitation programs. This is particularly important, as decreasing CDBG entitlement awards, decreasing program revenues and increasing internal demands on the CDBG budget limit the ability to assist affordable housing and economic development activities. 71 CPMP Version 1.3 Housin s Needs Table Housing Needs - Comprehensive Housing Affordability Strategy (CHAS) Data Housing Problems c K 0 NUilBER OF HOUSEHOLDS Any housing problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% Grantee Only complete blue sections. Do NOT type in sections other than blue. Current of House holds 100% 63 4 58 1 37 5 100% 82 2 82 2 57 0 100% 82 1 82 1 67 9 100% 76 4 72 8 48 6 100% 59 3 59 3 36 7 100% 88 6 88 6 72 7 100% 100 0 100 0 83 3 0 100% 66 7 66 7 44 4 100% 64 7 108 0 20 7 Current Number of House holds 451 286 262 169 393 323 323 224 56 46 46 38 679 519 494 330 354 210 210 130 88 78 78 64 24 24 24 20 135 90 90 60 382 247 243 79 3 -5 Year •uantities Year 1 Year 2 NUMMI M:4 Mi Year 3 Year 4 sys Year 5 Multi ear EIMBHOHEIBEFIR BM BS NI M 0 ,.. 'mss:::`.: NEFI ® 1M O # # ## O # # ## O # # ## 0 0 0 ggi 0 0 0 0 0 0 ▪ 0 e (.9 NM WM NM # # ## High High High Y Y Y C C C 0 0 0 High High High Y Y Y C C C 0 0 0 O # # ## O # # ## O # # ## # # ## High High High Y Y Y C C C 0 0 0 MIN High High High Y Y Y C C C 0 0 0 Priori Need? High H?gh Fund Source C C C High iY C High IY C High Y C MM High iY C High Y C High Y C High iY C High Y C High Y C High High High C C C Households with a Disabled Member HSHLD 100% 40 6 al NUM WM ME 1M MS KM 111M NISI 100% 62 0 HSHLD 682 ffia 108 REE EMI Disor000 rh on ate Racial/ Ethnic Need? no yes :rkc ?ic ?3 yes no no no no no # of Househ olds in lead - Hazard Housing 1378 x:r:tx ?:r SEE 1168 1nmm Hrv/ AMR pnnulafin 31 HS G Need 1 CPMP x2:ixcAa:c 2:• UM PEN gat man EN EM # # ## High El High High `itc? is ? ?c MN EOM NM ME Inn 100 % °,°v: m no REM lL 0 O Lff I I V 0 m O A E 0 U �--I 0 N t N 0 lL 0 O CO I I V 0 4— 0 0 ((i w K O a T W HSGNeed NUMBER OF With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF NUMBER OF NUMBER OF NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% HOUSEHOLDS 100% 223 With Any Housing Problems Cost Burden > 30% Cost Burden >50% HOUSEHOLDS 99 With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden > 50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF With Any Housing Problems Cost Burden > 30% Cost Burden >50% With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% yes 61 2 13 1 100% 47 0 34 8 6 1 100% 46 9 46 1 58 100% 139 133 7 5 68 6 62 3 35 9 100% 74 7 74 7 10 1 100% 52 6 52 6 132 100% 24 2 24 2 37 100% 153 11 6 00 100% 38 5 00 00 100% 123 10 5 239 229 49 66 31 23 4 518 243 239 30 736 102 98 55 153 139 80 74 74 10 114 60 60 15 409 99 99 15 104 79 0 HOUSEHOLDS 195 75 0 0 810 100 85 21 O # # ## O # # ## O ## O # # ## O # # ## O # # ## 01 # # ## O # # ## O # # ## 01 # # ## O # # ## O # # ## O # # # # O # # ## O # # ## O # # ## O # # ## O # # ## 01 # # ## O # # ## O # # ## 0 O # # ## O # # ## O # # ## O # # ## O #### O # # ## O # # ## O # # ## High Y C High Y C High Y C High Y C Hugh Y C Hugh Y C High Y C High Y C Hugh Y C High Y C Hugh Y C High Y C High Y C High Y C High Y C High Y c High Y C High Y C Hugh Y C High Y C Hugh Y C Hugh Y C High Y C High Y C High Y C Hugh IY C High Y C Hugh Y High Y C C 2 CPMP MJNEMI I I II age MS MS ME NM L[1 A N 0 U 0 t N to NUMBER OF HOUSEHOLDS HOUSEHOLDS LT, 7, E a O Cost Burden >50% With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF With Any Housing Housin Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% NUMBER OF HOUSEHOLDS With Any Housing Problems Cost Burden > 30% Cost Burden >50% Total Any Housing Problem Total 215 Renter Total 215 Owner Total 215 00 0 100% 1293 9 9 128 9 9 128 1 5 19 100% 793 30 6 243 30 6 243 3 0 24 100% 191 27 2 52 251 48 21 4 100% 590 38 1 225 38 1 225 5 9 35 MEM/MEE MI= in REM= 112 ME ma 59 80 I I I I I I I I I I 0 # # ## High High Y C Hugh Y C Hugh Y C High Y C High Y C Hugh Y C High Y C Hugh Y C High Y C High IY IC High Y C High Y C Tot Elderly 1072 Tot Sm Related Tot Lg Related Total Disabled 426 593 Total Lead Hazard Total Renters 5372 Total Owners 3371 HSGNeed 3 CPMP Jurisdiction Housing Market Analysis Vacancy Housing Stock Inventory Rate Affordability Mismatch Occupied Units: Renter Occupied Units: Owner Vacant Units: For Rent Vacant Units: For Sale Total Units Occupied & Vacant Rents: Applicable FMRs (in $s) Rent Affordable at 30% of 50% of MFI (in $s) Public Housing Units Occupied Units Vacant Units Total Units Occupied & Vacant Rehabilitation Needs (in $s) Complete cells in blue. 7286 15240 675 211 0 &1 Bedroom 2 Bedrooms 3+ Bedroom 422 574 917 422 574 917 0 0 0 0 0 0 Total Substandard Units 190 53 176 43 0 0 0 CPMP Version 1.3 HSGMarketAnalysis 1 CPMP CPMP Version 1.3 Continuum of Care Homeless Population and Subpopulations Chart Part 1: Homeless Population Sheltered Un- sheltered Total Jurisdiction Data Quality Emergency I Transitional 1. Homeless Individuals 31 15 2 48 (N) enumerations v 2. Homeless Families with Children 0 9 0 9 2a. Persons in Homeless with Children Families 0 30 0 30 Total (lines 1 + 2a) 31 45 2 78 Part 2: Homeless Subpopulations Sheltered Un sheltered Total Data Quality 1. Chronically Homeless 0 1 1� (M 2. Severely Mentally II 5 .............. 11':. 11111111111':.11 111111111111111111111111111111 ':.1116 3. Chronic Substance E 4 r ... €ifif'fi €if' €ifif'fi €'1 'fifif 'fi €if ifif4 4. Veterans , :::?:::::?:::::?:::::?:::ra :::::::::::::::: 5. Persons with HIV /A] 6. Victims of Domestic 7. Youth (Under 18 years or age) 0 € i is€ € is€ :: a:€# s @ i iii i iii Part 3: Homeless Needs Table: Individuals Needs Currently Available deg 5 -Year Quantities Total rl 1 W • H I N A c pund oa ueld IHOPWA_ESG or II Year 1 Year 2 Year 3 Year 4 Year 5 pop Complete pop Complete Ie°D Complete pop Complete IeoD Complete IpoE Actual % of Goal spag Emergency Shelters 44 76 - 32 0 0 0 0 0 0 0 0 0 0 0 0 ### High Y Transitional Housing 15 50 - 35 0 0 0 0 0 0 0 0 0 0 0 0 # ## High Y Permanent Supportive Housing 5 19 -14 0 0 0 0 0 0 0 0 0 0 0 0 # ## High Y Total 64 145 -81 0 0 0 0 0_ 0 0 0 0 0 0 0 # ## Chronically Homeless 1 1 Homeless 1 CPMP Part 4: Homeless Needs Table: Families a; Emergency Shelters Transitional Housing Permanent Supportive Housing a o U < 0 30 4 16 50 19 Total 341 85 a C7 -16 -20 -15 -51 5 -Year Quantities Year 1 0 (7 0 0 0 0 2 m E 0 0 0 0 0 Year 2 a C7 0 0 0 0 E 0 0 0 0 0 Year 3 0 l7 0 0 0 0 0 0 0 0 Year 4 0 (7 0 0 0 0 m E 0 0 0 0 0 Year 5 0 C7 0 0 0 0 E 0 0 0 0 0 Total 0 0 0 0 To V 0 0 0 0 o O C9 # ## # ## # ## # ## High High High Y Y Y Completing Part 1: Homeless Population. This must be completed using statistically reliable, unduplicated counts or estimates of homeless persons in sheltered and unsheltered locations at a one -day point in time. The counts must be from: (A) administrative records, (N) enumerations, (S) statistically reliable samples, or (E) estimates. The quality of the data presented in each box must be identified as: (A), (N), (5) or (E). Completing Part 2: Homeless Subpopulations. This must be completed using statistically reliable, unduplicated counts or estimates of homeless persons in sheltered and unsheltered locations at a one -day point in time. The numbers must be from: (A) administrative records, (N) enumerations, (5) statistically reliable samples, or (E) estimates. The quality of the data presented in each box must be identified as: (A), (N), (S) or (E). Sheltered Homeless. Count adults, children and youth residing in shelters for the homeless. "Shelters" include all emergency shelters and transitional shelters for the homeless, including domestic violence shelters, residential programs for runaway /homeless youth, and any hotel /motel /apartment voucher arrangements paid by a public /private agency because the person or family is homeless. Do not count: (1) persons who are living doubled up in conventional housing; (2) formerly homeless persons who are residing in Section 8 SRO, Shelter Plus Care, SHP permanent housing or other permanent housing units; (3) children or youth, who because of their own or a parent's homelessness or abandonment, now reside temporarily and for a short anticipated duration in hospitals, residential treatment facilities, emergency foster care, detention facilities and the like; and (4) adults living in mental health facilities, chemical dependency facilities, or criminal justice facilities. Unsheltered Homeless. Count adults, children and youth sleeping in places not meant for human habitation. Places not meant for human habitation include streets, parks, alleys, parking ramps, parts of the highway system, transportation depots and other parts of transportation systems (e.g. subway tunnels, railroad car), all -night commercial establishments (e.g. movie theaters, laundromats, restaurants), abandoned buildings, building roofs or stairwells, chicken coops and other farm outbuildings, caves, campgrounds, vehicles, and other similar places. Homeless 2 CPMP Grantee Name:IJurisdiction Non - Homeless Special Needs Including HOPWA Needs Currently Available dVD 3 -5 Year Quantities Total Priority Need H. M, N ,k Lipid Fund Source CDSG,I Year 1 Year 2 Year 3 Year 4* Year 5* ieos, Complete ieos Complete ieos Complete ieos, Complete Complete ieos Actual ieos, Jo % Housing Needed 52 Elderly 600 543 57 0 0 0 0 0 0 0 0 0 0 0 0 #### H Y C 53 Frail Elderly 1300 1299 1 0 0 0 0 0 0 0 0 0 0 0 0 #### H Y C 54 Persons w/ Severe Mental Illness 11 9 2 0 0 0 0 0 0 0 0 0 0 0 0 #### H Y C 55 Developmentally Disabled 50 42 8 0 0 0 0 0 0 0 0 0 0 0 0 # # ## H Y C 56 Physically Disabled 66 53 13 0 0 0 0 0 0 0 0 0 0 0 0 # # ## H Y C 57 Alcohol /Other Drug Addicted 4 0 4 0 0 0 0 0 0 0 0 0 0 0 0 # # ## H Y C 58 Persons w/ HIV /AIDS & their famili( 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #### H Y C 59 Public Housing Residents 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #### NA N Total 2031 1946 85 0 0 0 0 0 0 0 0 0 0 0 0 # # ## I Supportive Services Needed I 60 Elderly 7 5 2 0 0 0 0 0 0 0 0 0 0 0 0 # # ## H Y C 61 Frail Elderly 5 3 2 0 0 0 0 0 0 0 0 0 0 0 0 # # ## H Y C 62 Persons w/ Severe Mental Illness 5 4 1 0 0 0 0 0 0 0 0 0 0 0 0 #### H Y C 63 Developmentally Disabled 5 4 1 0 0 0 0 0 0 0 0 0 0 0 0 # # ## H Y C 64 Physically Disabled 5 3 2 0 0 0 0 0 0 0 0 0 0 0 0 # # ## H Y C 65 Alcohol /Other Drug Addicted 4 2 2 0 0 0 0 0 0 0 0 0 0 0 0 # # ## H Y C 66 Persons w/ HIV /AIDS & their familu 3 2 1 0 0 0 0 0 0 0 0 0 0 0 0 #### H Y C 67 Public Housing Residents 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 #### NA N Total 34 23 11 0 0_ 0 0 0 0 0 0 0 0 0 0 # # ## NonHomeless 1 CPMP Housing and Community Development Activities s1 @N Current deg 5 Year Quantities Wo of Goa I Priority Need 11 W HH Dollars to Address I ITa I aainos puny Year 1 Year 2 Year 3 Year4 Year 5 Cumulative leOp le leOp Ie 1 eog ienpv 1 eog ienpv 1 eog ienpv 1 eog ienpv 01 Acquisition of Real Property 570.201(a) 0 0 0 0 0 #### M Y 02 Disposition 570.201(b) 0 0 0 0 0 #### M Y Public Facilities and Improvements 03 Public Facilities and Improvements (General) 570 201(c) 0 0 0 60 60 0 0% H Y cdbq 03A Senior Centers 570 201(c) 0 0 0 0 0 #### H Y 03B Handicapped Centers 570 201(c) 0 0 0 0 0 #### H Y 03C Homeless Facilities (not operating costs) 570 201(c) 0 0 0 0 0 # # ## H Y 03D Youth Centers 570 201(c) 0 0 0 0 0 #### H Y 03E Neighborhood Facilities 570 201(c) 0 0 0 0 0 #### H Y 03F Parks, Recreational Facilities 570 201(c) 0 0 0 0 0 #### H Y 03G Parking Facilities 570 201© 0 0 0 0 0 #### M Y 03H Solid Waste Disposal Improvements 570 201(c) 0 0 0 0 0 #### M Y 03I Hood Drain Improvements 570 201(c) 0 0 0 0 0 #### M Y 031 Water /Sewer Improvements 570 201(c) 0 0 0 0 0 #### H Y 03K Street Improvements 570 201(c) 0 0 0 0 0 #### H Y 03L Sidewalks 570 201(c) 0 0 0 0 0 #### H Y 03M Child Care Centers 570 201(c) 0 0 0 0 0 #### M Y 03N Tree Planting 570 201(c) 0 0 0 0 0 #### M Y 030 Fire Stations /Equipment 570 201(c) 0 0 0 0 0 #### M Y 03P Health Facilities 570 201(c) 0 0 0 0 0 #### H Y 03Q Abused and Neglected Children Facilities 570 201(c) 0 0 0 0 0 # # ## M Y 03R Asbestos Removal 570 201(c) 0 0 0 0 0 #### M Y 03S Facilities for AIDS Patients (not operating costs) 570 201(c) 0 0 0 0 0 # # ## M Y 03T Operating Costs of Homeless /AIDS Patients Programs 0 0 0 225 225 0 0% M Y cdbg 04 Clearance and Demolition 570.201(d) 0 0 0 0 0 #### M Y 04A Clean -up of Contaminated Sites 570.201(d) 0 0 0 0 0 #### M Y I Public Services 05 Public Services (General) 570 201(e) 0 0 0 # ## # ## 0 0% H Y cdbg 05A Senior Services 570 201(e) 0 0 0 1200 1200 0 0% H Y cdbq 05B Handicapped Services 570 201(e) 0 0 0 0 0 #### H Y 05C Legal Services 570 201(E) 0 0 0 0 0 #### H Y 05D Youth Services 570 201(e) 0 0 0 0 0 #### H Y 05E Transportation Services 570 201(e) 0 0 0 0 0 #### H Y 05F Substance Abuse Services 570 201(e) 0 0 0 0 0 #### H Y 05G Battered and Abused Spouses 570 201(e) 0 0 0 0 0 #### H Y 05H Employment Training 570 201(e) 0 0 0 0 0 #### H Y 05I Crime Awareness 570 201(e) 0 0 0 0 0 #### H Y 051 Fair Housing Activities (if CDBG, then sublectto 570 201(e) 0 0 0 0 0 # # ## H Y 05K Tenant/Landlord Counseling 570 201(e) 0 0 0 0 0 #### H Y 05L Child Care Services 570 201(e) 0 0 0 0 0 #### H Y 05M Health Services 570 201(e) 0 0 0 700 700 0 0% H Y cdbq 05N Abused and Neglected Children 570 201(e) 0 0 0 0 0 #### H Y 050 Mental Health Services 570 201(e) 0 0 0 0 0 #### H Y 05P Screening for Lead -Based Paint/Lead Hazards Poison 570 20: 0 0 0 0 0 # # ## H Y 05Q Subsistence Payments 570 204 0 0 0 0 0 #### M Y 05R Homeownership Assistance (not direct) 570 204 0 0 0 0 0 #### M Y 05S Rental Housing Subsidies (if HOME, not part of 5% 570 204 0 0 0 0 0 # # ## M Y 05T Security Deposits (if HOME, not part of 5% Admin c 0 0 0 0 0 # # ## M Y CommunityDev 1 CPMP 06 Interim Assistance 570.201(f) 0 0 0 0 0 #### M Y 07 Urban Renewal Completion 570.201(h) 0 0 0 0 0 #### M Y 08 Relocation 570.201(i) 0 0 0 0 0 #### M Y 09 Loss of Rental Income 570.201(1) 0 0 0 0 0 #### M Y 10 Removal of Architectural Barriers 570.201(k) 0 0 0 0 0 #### H Y 11 Privately Owned Utilities 570.201(l) 0 0 0 0 0 #### M Y 12 Construction of Housing 570.201(m) 0 0 0 0 0 #### M Y 13 Di ect Homeownership Assistance 570.201(n) 0 0 0 11 11 0 0% H Y cdbg 14A Rehab, Single -Unit Residential 570 202 0 0 0 48 48 0 0% H Y cdbg 14B Rehab, Multi -Unit Residential 570 202 0 0 0 11 11 0 0% H Y cdbq 14C Public Housing Modernization 570 202 0 0 0 0 0 #### H Y 14D Rehab, Other Publicly -Owned Residential Buildings 570 202 0 0 0 0 0 # # ## H Y 14E Rehab, Publicly or Privately -Owned Commercial /Indu 570 20 0 0 0 0 0 # # ## H Y 14F Energy Efficiency Improvements 570 202 0 0 0 0 0 #### H Y 14G Acquisition - for Rehabilitation 570 202 0 0 0 0 0 #### H Y 14H Rehabilitation Administration 570 202 0 0 0 0 0 #### H Y 14I Lead -Based /Lead Hazard Test /Abate 570 202 0 0 0 10 10 0 0% H Y cdbg 15 Code Enforcement 570.202(c) 0 0 0 1080 1080 0 0% H Y cdbg 16A Residential Historic Preservation 570.202(d) 0 0 0 0 0 #### H Y 16B Non - Residential Historic Preservation 570.202(d) 0 0 0 0 0 #### M Y 17A CI Land Acquisition /Disposition 570 203(a) 0 0 0 0 0 #### M Y 17B CI Infrastructure Development 570 203(a) 0 0 0 0 0 #### M Y 17C CI Building Acquisition, Construction, Rehabilitat 570 203(a) 0 0 0 0 0 # # ## H Y 17D Other Commercial /Industrial Improvements 570 203(a) 0 0 0 0 0 #### L N 18A ED Direct Financial Assistance to For - Profits 570 203(b) 0 0 0 1 1 0 0% H Y 18B ED Technical Assistance 570 203(b) 0 0 0 0 0 #### H Y 18C Micro - Enterprise Assistance 0 0 0 0 0 #### H Y 19A HOME Admin/Planning Costs of P] (not part of 5% M 0 0 0 0 0 # # ## NA N 19B HOME CHDO Operating Costs (not part of 5% Admin ca 0 0 0 0 0 # # ## NA N 19C CDBG Non - profit Organization Capacity Building 0 0 0 0 0 #### H Y 19D CDBG Assistance to Institutes of Higher Education 0 0 0 0 0 # # ## M Y 19E CDBG Operation and Repair of Foreclosed Property 0 0 0 0 0 # # ## M Y 19F Planned Repayment of Section 108 Loan Principal 0 0 0 0 0 # # ## M Y 19G Unplanned Repayment of Section 108 Loan Principal 0 0 0 0 0 # # ## M Y 19H State CDBG Technical Assistance to Grantees 0 0 0 0 0 #### M Y 20 Planning 570.205 0 0 0 0 0 #### H Y 21A General Program Administration 570 206 0 0 0 0 0 #### H Y 21B Indirect Costs 570 206 0 0 0 0 0 #### H Y 21D Fair Housing Activities (subject to 20% Admin cap) 570 206 0 0 0 0 0 # # ## H Y 21E Submissions or Applications for Federal Programs 570 206 0 0 0 0 0 # # ## H Y 21F HOME Rental Subsidy Payments (subject to 5% cap) 0 0 0 0 0 # # ## NA N 21G HOME Security Deposits (subject to 5% cap) 0 0 0 0 0 # # ## NA N 21H HOME Admin/Planning Cos of P] (subject to 5% cap 0 0 0 0 0 # # ## NA N 21I HOME CHDO Operating Expenses (subject to 5% cap) 0 0 0 0 0 # # ## NA N 22 Un rogrammed Funds 0 0 0 0 0 #### H Y VMdOF 313 Facility based housing - development 0 0 0 0 0 #### NA N 31K Facility based housing - operations 0 0 0 0 0 # # ## NA N 31G Short term rent mortgage utility payments 0 0 0 0 0 # # ## NA N 31F Tenant based rental assistance 0 0 0 0 0 #### NA N 31E Supportive service 0 0 0 0 0 #### NA N 31I Housing information services 0 0 0 0 0 #### NA N CommunityDev 2 CPMP y 31H Resource identification 0 0 0 0 0 #### NA N 318 Administration - grantee 0 0 0 0 0 #### NA N 31D Admmistrabon - project sponsor 0 0 0 0 0 #### NA N Acquisition of existing rental units 0 0 0 0 0 #### H Y Production of new rental units 0 0 0 0 0 #### H Y Rehabilitation of existing rental units 0 0 0 0 0 #### H Y Rental assistance 0 0 0 0 0 #### H Y Acquisition of existing owner units 0 0 0 0 0 # # ## H Y Production of new owner units 0 0 0 0 0 # # ## H Y Rehabilitation of existing owner units 0 0 0 0 0 #### H Y Homeownership assistance 0 0 0 0 0 #### H Y 3WOH Acquisition of existing rental units 0 0 0 0 0 # # ## H N Production of new rental units 0 0 0 0 0 #### H N Rehabilitation of existing rental units 0 0 0 0 0 # # ## H N Rental assistance_ 0 0 0 0 0 #### H N Acquisition of existing owner units 0 0 0 0 0 #### H N Production of new owner units 0 0 0 0 0 #### H N Rehabilitation of existing owner units 0 0 0 0 0 #### H N Homeownership assistance 0 0 0 0 0 #### H N CommunityDev 3 CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -1 Availability /Accessibility of Decent Housing DH - 1 (1) Provide housing opportunities to maintain, improve and/ or obtain affordable housing for all income eligible residents CDBG 2500 people have improved access to affordable housing through services which assist in providing decent affordable housing 2011 550 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives DH -1 (1) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -1 Availability /Accessibility of Decent Housing DH - 1 (2) Restore existing vacant or under - utilized structures into affordable housing units, especially larger residential units, for income eligible CDBG 5 households have new access to affordable housing through the rehabilitation of vacant or under - utilized structures for the purpose of creatinn decent affordable 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives DH -1 (2) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -1 Availability /Accessibility of Decent Housing DH - 1 (3) Create lead safe housing units CDBG 20 households have access to safe, affordable housing by creating lead safe housing units for the purpose of decent affordable housing 2011 10 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /O1 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives DH -1 (3) 1 CPMP Version 2 0 New Specific II CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -1 Availability /Accessibility of Decent Housing DH - 1 (4) Develop affordable housing to increase the housing opportunities CDBG 5 households are able to obtain affordable housing through rehabilitation of derelict properties for the purpose of creating decent affordable housing 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /O1 2014 #DIV /O1 Source of Funds #3 2015 #DIV /OI MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /OI Specific Annual Objective 2014 #DIV /OI Source of Funds #3 2015 #DIV /OI MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /OI 2014 #DIV /O1 Source of Funds #3 2015 #DIV /OI MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives DH -1 (4) 1 CPMP Version 2 0 New Specific II CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -1 Availability /Accessibility of Decent Housing DH - 1 (5) Provide for implementation of fair housing for all populations CDBG 50 persons have available housing through fair housing practices for the purpose of creating decent affordable housing 2011 17 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /01 2014 #DIV /O1 Source of Funds #3 2015 #DIV /OI MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /OI Specific Annual Objective 2014 #DIV /OI Source of Funds #3 2015 #DIV /OI MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /OI 2014 #DIV /O1 Source of Funds #3 2015 #DIV /OI MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives DH -1 (5) 1 CPMP Version 2 0 New Specific II CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -1 Availability /Accessibility of Decent Housing DH - 1 (6) Modify existing and/or create accessible housing units CDBG 10 disabled residents have accessible, affordable housing by modifying or rehabbing housing units for the purpose of creating decent affordable housing 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /O1 2014 #DIV /0 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives DH -1 (6) 1 CPMP Version 2 0 New Specific II CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -1 Availability /Accessibility of Decent Housing DH - 1 (7) Build capacity of local agencies to support the creation of emergency and transitional housing and homeless services, especially for women and children CDBG 725 women and children access to transitional housing and services fo the purpose of providing decent housing 2011 225 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives DH -1 (7) 1 CPMP Version 2 0 New Specific II CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -1 Availability /Accessibility of Decent Housing DH - 1 (8) Enforce minimum housing quality standards in all rental housing through systematic code enforcement CDBG 3500 households have access to safe housing through compliance with building and housing codes for the purpose of providing decent affordable housing 2011 1000 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /O1 2014 #DIV /0 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives DH -1 (8) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -2 Affordability of Decent Housing DH - 2 (1) Provide down payment assistance to extremely low to low income households CDBG 75 households have affordable housing through a down payment assistance program for the purpose of providing decent housing 2011 11 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives DH -2 (1) 1 CPMP Version 2 0 New Specific I CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -2 Affordability of Decent Housing DH - 2 (2) Maximize participation in and use of low- interest rehabilitation loan /grant funds for rental housing units CDBG 30 households have access to sustained affordable housing by rehabilitation loans for the purpose of providing decent affordable housing 2011 11 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives DH -2 (2) 1 CPMP Version 2 0 New Specific I CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -2 Affordability of Decent Housing DH - 2 (3) Provide assistance to qualified low and moderate - income homeowners, including elderly, for the rehabilitation of housing units CDBG 100 households have affordable owner - occupied housing through rehabilitation for the purpose of providing decent affordable housing 2011 48 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives DH -2 (3) 1 CPMP Version 2 0 New Specific I CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -3 Sustainability of Decent Housing DH - 3 (1) Assist low- income homeowners to improve and preserve historic character of residential structures CDBG 4 households sustained the historic character of affordable residential structures for the purpose of providing decent affordable housing 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /01 2014 #DIV /01 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives DH -3 (1) 1 CPMP Version 2 0 New Specific II CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed DH -3 Sustainability of Decent Housing DH - 3 (2) Provide inspection and enforcement of zoning and land use regulations to provide support for neighborhood revitalization efforts CDBG 500 households sustain compatible neighborhoods through compliance with zoning and land use codes for the purpose of providing decent affordable hclislnn 2011 80 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /01 2014 #DIV /01 Source of Funds # 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives DH -3 (2) 1 CPMP Version 2 0 New Specific II CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed SL -1 Availability /Accessibility of Suitable Living Environment SL - 1 (1) Increase opportunities for the elderly, disabled and persons with special needs to maintain an independent lifestyle CDBG 3000 elderly, disabled and persons with special needs have access to social programs and services for the purpose of creating a suitable livinn environment 2011 1200 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /01 2014 #DIV /01 Source of Funds # 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives SL -1 (1) 1 CPMP Version 2 0 New Specific II CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed SL -1 Availability /Accessibility of Suitable Living Environment SL - 1 (2) Partner with local agencies to facilitate affordable and quality childcare and early education opportunities CDBG 3000 citizens have access to quality childcare and early education through services that create a suitable living environment 2011 700 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives SL -1 (2) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed SL -1 Availability /Accessibility of Suitable Living Environment SL - 1 (3) Provide services to improve the education, health, and human service needs of children and families of all ages, including special needs population CDBG 20,000 persons have access to education, health and human services through programs that create a suitable living environment 2011 7000 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives SL -1 (3) 1 CPMP Version 2 0 New Specific II CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed SL -1 Availability /Accessibility of Suitable Living Environment SL - 1 (4) Provide programs for increased opportunities for healthy youth interaction, educational advancement and /or recreation CDBG 1 2, 000 youth have access to community programs and services for the purpose of creating a suitable living environment 2011 3031 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /01 2014 #DIV /01 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives SL -1 (4) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed SL -1 Availability /Accessibility of Suitable Living Environment SL - 1 (5) Provide technical assistance to local organizations to guide neighborhood development, revitalization and redevelopment CDBG Neighborhood organizations have access to technical assistance for the purpose of creating suitable living environments 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives SL -1 (5) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed SL -1 Availability /Accessibility of Suitable Living Environment SL - 1 (6) Provide resources for organized neighborhoods in low /mod income areas to encourage self - initiated revitalization efforts CDBG 10,000 persons have access to resources for the purpose of creating suitable living environments 2011 2000 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives SL -1 (6) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed SL -2 AvailabAffordability of Suitable Living Environment SL - 2 (1) Specific Objective Source of Funds #1 Performance Indicator #1 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives SL -2 (1) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed SL -3 Sustainability of Suitable Living Environment SL - 3 (1) Improve and replace sidewalks, and public infrastructure in income eligible areas CDBG 150 public facilities are sustained through improvements for the purpose of creating a suitable living environment 2011 60 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives SL -3 (1) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed SL -3 Sustainabilitv of Suitable Living Environment SL - 3 (2) Provide planning for community needs and administration of programs to insure maximum public benefit and community enhancements CDBG The community has sustained viability and livability through planning and administration of programs for the purpose of creating a suitable living environment 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives SL -3 (2) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed EO -1 Availability /Accessibility of Economic Opportunity EO - 1 (1) Support transportation programs to maintain access to education, employment, shopping, and health care for low - income persons CDBG Persons have access to transportation for the purpose of creating a suitable living environment 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /01 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives EO -1 (1) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed EO -1 Availability /Accessibility of Economic Opportunity EO - 1 (2) Promote workforce development through employment training and programs CDBG Persons have access to new jobs through workforce development for the purpose of creating economic opportunity 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives EO -1 (2) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed EO -2 Affordability of Economic Opportunity EO - 2 (1) Specific Objective Source of Funds #1 Performance Indicator #1 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives EO -2 (1) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed EO -3 Sustainability of Economic Opportunity EO - 3 (1) Support local economic development efforts to create or retain jobs that pay benefits and a livable wage to their employees CDBG 10 persons have access to new jobs through financial assistance to business for the purpose of creating economic opportunity 2011 1 0% 2012 #DIV /01 Source of Funds #2 2013 #DIV /01 2014 #DIV /01 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #2 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 Source of Funds #1 Performance Indicator #3 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /01 City of Dubuque Summary of Specific Annual Objectives EO -3 (1) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed EO -3 Sustainability of Economic Opportunity EO - 3 (2) Correct commercial /industrial building code violations and rehabilitate buildings in older neighborhoods and downtown CDBG 2 commercial /industrial buildings sustained through code enforcement and rehabilitation for the purpose of sustaining economic nnnortlinity 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /01 2014 #DIV /01 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives EO -3 (2) 1 CPMP Version 2 0 New Specific II CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed NR -1 Neighborhood Revitalization NR - 1 (1) Specific Objective Source of Funds #1 Performance Indicator #1 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives NR -1 (1) 1 CPMP Version 2 0 New Specific CPMP Specific Obj. Outcome /Objective # Specific Annual Objectives Sources of Funds Performance Indicators Year Expected Number Actual Number Percent Completed 0-1 Other 0 (1) Specific Objective Source of Funds #1 Performance Indicator #1 2011 #DIV /01 2012 #DIV /01 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #2 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi Specific Annual Objective 2014 #DIV /Oi Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 Source of Funds #1 Performance Indicator #3 2011 #DIV /O1 2012 #DIV /O1 Source of Funds #2 2013 #DIV /Oi 2014 #DIV /O1 Source of Funds #3 2015 #DIV /Oi MULTI - YEAR GOAL 0 #DIV /O1 City of Dubuque Summary of Specific Annual Objectives 0-1 (1) 1 CPMP Version 2 0 New Specific II CPMP Date Submitted 4/19/2010 Applicant Identifier Type of Submission Date Received by state State Identifier Application Pre - application Date Received by HUD Federal Identifier • Construction • Construction • Non Construction • Non Construction Applicant Information City of Dubuque IA191464 DUBUQUE Street Address Line 1 350 West 6th Street •rganizational DUNS 093105302 Street Address Line 2 Suite 312 •rganizational Unit City of Dubuque City Dubuque Iowa Department Housing & Community Development ZIP 52001 Country U S A Division Employer Identification Number (EIN): ounty Dubuque 42- 6004596 Program Year Start Date 07/01/10 Applicant Type: Specify Other Type if necessary: Local Government City pecify Other Type Program Funding U.S. Department of Housing and Urban Development Catalogue of Federal Domestic Assistance Numbers, Descriptive Title of Applicant Project(s), Areas Affected by Project(s) (cities, Counties, localities etc ), Estimated Funding Community Development Block Grant 14 218 Entitlement Grant CDBG Project Titles CDBG FY 2011 Annual Projects (July 1, 2010 to June 30, 2011) Description of Areas Affected by CDBG Project(s) City of Dubuque $CDBG Grant Amount 1,344,084 $Additional HUD Grant(s) Leveraged Describe $Additional Federal Funds Leveraged $Additional State Funds Leveraged $Locally Leveraged Funds $Grantee Funds Leveraged $Anticipated Program Income $411 090 Other (Describe) Total Funds Leveraged for CDBG -based Project(s) Home Investment Partnerships Program 14 239 HOME HOME Project Titles Description of Areas Affected by HOME Project(s) $HOME Grant Amount $Additional HUD Grant(s) Leveraged Describe $Additional Federal Funds Leveraged $Additional State Funds Leveraged $Locally Leveraged Funds $Grantee Funds Leveraged SF 424 The SF 424 is part of the CPMP Annual Action Plan. SF 424 form fields are included in this document. Grantee information is linked from the 1CPMP.xls document of the CPMP tool. SF 424 Complete the fillable fields (blue cells) in the table below The other items are pre - filled with values from the Grantee Information Worksheet SF 424 Page 1 Version 2.0 $Anticipated Program Income Other (Describe) Total Funds Leveraged for HOME -based Project(s) Middle Initial Housing Opportunities for People with AIDS 14 241 HOPWA HOPWA Project Titles Description of Areas Affected by HOPWA Project(s) $HOPWA Grant Amount ($Additional HUD Grant(s) LeveragedlDescribe $Additional Federal Funds Leveraged $Additional State Funds Leveraged $Locally Leveraged Funds $Grantee Funds Leveraged $Anticipated Program Income Other (Describe) Total Funds Leveraged for HOPWA -based Project(s) Emergency Shelter Grants Program 14 231 ESG ESG Project Titles Description of Areas Affected by ESG Project(s) $ESG Grant Amount ($Additional HUD Grant(s) Leveraged (Describe $Additional Federal Funds Leveraged $Additional State Funds Leveraged $Locally Leveraged Funds $Grantee Funds Leveraged $Anticipated Program Income Other (Describe) Total Funds Leveraged for ESG -based Project(s) Congressional Districts of Is application subject to review by state Executive Order 12372 Process? Applicant Districts 1 I Protect Districts Is the applicant delinquent on any federal debt? If "Yes" please include an additional document explaining the situation • Yes This application was made available to the state EO 12372 process for review on DATE ►1 No Program is not covered by EO 12372 • Yes ■ No • N/A Program has not been selected by the state for review SF 424 Page 2 Version 2.0 Person to be contacted regarding this application First Name David Middle Initial Last Name Hams Title Housing & Community Development Director Phone 563 -589 -4239 Fax 563 -589 -4244 eMail dharns ©cityofdubuque.org Grantee Website www.cityofdubuque.org Other Contact Signature of Authorized Representative Date Signed SF 424 Page 2 Version 2.0 CPMP Non -State Grantee Certifications Many elements of this document may be completed electronically, however a signature must be manually applied and the document must be submitted in paper form to the Field Office. ❑ This certification does not apply. ® This certification is applicable. NON -STATE GOVERNMENT 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, which means it will conduct an analysis of impediments to fair housing choice within the jurisdiction, take appropriate actions to overcome the effects of any impediments identified through that analysis, and maintain records reflecting that analysis and actions in this regard. 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, and implementing regulations at 49 CFR 24; and it has in effect and is following a residential antidisplacement and relocation assistance plan required under section 104(d) of the Housing and Community Development Act of 1974, as amended, in connection with any activity assisted with funding under the CDBG or HOME programs. Drug Free Workplace -- It will or will continue to provide a drug -free workplace by: 1. Publishing a statement notifying employees that the unlawful manufacture, distribution, dispensing, possession, or use of a controlled substance is prohibited in the grantee's workplace and specifying the actions that will be taken against employees for violation of such prohibition; 2. Establishing an ongoing drug -free awareness program to inform employees about - a. The dangers of drug abuse in the workplace; b. The grantee's policy of maintaining a drug -free workplace; c. Any available drug counseling, rehabilitation, and employee assistance programs; and d. The penalties that may be imposed upon employees for drug abuse violations occurring in the workplace; 3. Making it a requirement that each employee to be engaged in the performance of the grant be given a copy of the statement required by paragraph 1; 4. Notifying the employee in the statement required by paragraph 1 that, as a condition of employment under the grant, the employee will - a. Abide by the terms of the statement; and b. Notify the employer in writing of his or her conviction for a violation of a criminal drug statute occurring in the workplace no later than five calendar days after such conviction; 5. Notifying the agency in writing, within ten calendar days after receiving notice under subparagraph 4(b) from an employee or otherwise receiving actual notice of such conviction. Employers of convicted employees must provide notice, including position title, to every grant officer or other designee on whose grant activity the convicted employee was working, unless the Federal agency has designated a central point for the receipt of such notices. Notice shall include the identification number(s) of each affected grant; 6. Taking one of the following actions, within 30 calendar days of receiving notice under subparagraph 4(b), with respect to any employee who is so convicted - a. Taking appropriate personnel action against such an employee, up to and including termination, consistent with the requirements of the Rehabilitation Act of 1973, as amended; or b. Requiring such employee to participate satisfactorily in a drug abuse assistance or rehabilitation program approved for such purposes by a Federal, State, or local health, law enforcement, or other appropriate agency; 7. Making a good faith effort to continue to maintain a drug -free workplace through implementation of paragraphs 1, 2, 3, 4, 5 and 6. CPMP Non -State Grantee Certifications 1 Version 2.0 City of Dubuque Anti - Lobbying -- To the best of the jurisdiction's knowledge and belief: 8. 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; 9. 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 10. 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 contracts under 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 CDBG, HOME, ESG, and HOPWA funds are consistent with the strategic plan. Section 3 -- It will comply with section 3 of the Housing and Urban Development Act of 1968, and implementing regulations at 24 CFR Part 135. Signature /Authorized Official Roy D. Buol 1 Name Mayor, City of Dubuque, Iowa 50 West 13th Street 1 Address Dubuque, Iowa 52001 563 - 589 -4210 1 Telephone Number Title 04/19/2010 Date City /State /Zip CPMP Non -State Grantee Certifications 2 Version 2.0 City of Dubuque ❑ This certification does not apply. ® This certification is applicable. The Entitlement Community certifies that: Specific CDBG Certifications 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 housing and community development plan identifies community development and housing needs and specifies both short -term and long -term community development objectives that provide decent housing, expand economic opportunities primarily for persons of low and moderate income. (See CFR 24 570.2 and CFR 24 part 570) Following a Plan -- It is following a current consolidated plan (or Comprehensive Housing Affordability Strategy) that has been approved by HUD. Use of Funds -- It has complied with the following criteria: 11. Maximum Feasible Priority - With respect to activities expected to be assisted with CDBG funds, it certifies that 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 activities which the grantee certifies are designed to meet other community development needs having a 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); 12. Overall Benefit - The aggregate use of CDBG funds including section 108 guaranteed loans during program year(s) 2011, 2012, 2013, (a period specified by the grantee consisting 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; 13. 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. The jurisdiction will not attempt to recover any capital costs of public improvements assisted with CDBG funds, including Section 108, unless CDBG funds are used to pay the proportion of fee or assessment attributable to the capital costs of public improvements financed from other revenue sources. In this case, an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds. Also, 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: 14. 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 15. 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; CPMP Non -State Grantee Certifications 3 Version 2.0 City of Dubuque 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 USC 2000d), the Fair Housing Act (42 USC 3601 - 3619), and implementing regulations. Lead -Based Paint -- Its activities concerning lead -based paint will comply with the requirements of part 35, subparts A, B, J, K and R, of title 24; Compliance with Laws -- It will comply with applicable laws. Signature /Authorized Official Roy D. Buol Name Mayor, City of Dubuque, Iowa Title 50 West 13th Street Add ress Dubuque, Iowa 52001 City /State /Zip 563 - 589 -4210 Telephone Number 04/19/2010 Date CPMP Non -State Grantee Certifications 4 Version 2.0 Place Name Street City County State Zip City Hall 50 West 13th St Dubuque Dubuque IA 52001 Housing and Community Development Department 350 West 6th Street Suite 312 Dubuque Dubuque IA 52001 Leisure Services Office and City Parks 2200 Bunker Hill Road and citywide Dubuque Dubuque IA 52001 Public Works Department 925 Kerper Dubuque Dubuque IA 52001 City Hall Annex 1300 Main Street Dubuque Dubuque IA 52001 City of Dubuque 50 West 13 St Dubuque Dubuque IA 52001 City of Dubuque ❑ This certification does not apply. ® This certification is applicable. APPENDIX TO CERTIFICATIONS Instructions Concerning Lobbying and Drug -Free Workplace Requirements 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. Drug -Free Workplace Certification 1. By signing and /or submitting this application or grant agreement, the grantee is providing the certification. 2. The certification is a material representation of fact upon which reliance is placed when the agency awards the grant. If it is later determined that the grantee knowingly rendered a false certification, or otherwise violates the requirements of the Drug -Free Workplace Act, HUD, in addition to any other remedies available to the Federal Government, may take action authorized under the Drug -Free Workplace Act. 3. Workplaces under grants, for grantees other than individuals, need not be identified on the certification. If known, they may be identified in the grant application. If the grantee does not identify the workplaces at the time of application, or upon award, if there is no application, the grantee must keep the identity of the workplace(s) on file in its office and make the information available for Federal inspection. Failure to identify all known workplaces constitutes a violation of the grantee's drug -free workplace requirements. 4. Workplace identifications must include the actual address of buildings (or parts of buildings) or other sites where work under the grant takes place. Categorical descriptions may be used (e.g., all vehicles of a mass transit authority or State highway department while in operation, State employees in each local unemployment office, performers in concert halls or radio stations). 5. If the workplace identified to the agency changes during the performance of the grant, the grantee shall inform the agency of the change(s), if it previously identified the workplaces in question (see paragraph three). 6. The grantee may insert in the space provided below the site(s) for the performance of work done in connection with the specific grant: Place of Performance (Street address, city, county, state, zip code) Check if there are workplaces on file that are not identified here. The certification with regard to the drug -free workplace is required by 24 CFR part 21. 7. Definitions of terms in the Nonprocurement Suspension and Debarment common rule and Drug -Free Workplace common rule apply to this certification. Grantees' attention is called, in particular, to the following definitions from these rules: "Controlled substance" means a controlled substance in Schedules I through V of the Controlled Substances Act (21 U.S.C. 812) and as further defined by regulation (21 CFR 1308.11 through 1303.15); "Conviction" means a finding of guilt (including a plea of nolo contendere) or imposition of sentence, or both, by any judicial body charged with the responsibility to determine violations of the CPMP Non -State Grantee Certifications 10 Version 2.0 City of Dubuque Name Title Federal or State criminal drug statutes; "Criminal drug statute" means a Federal or non - Federal criminal statute involving the manufacture, distribution, dispensing, use, or possession of any controlled substance; "Employee" means the employee of a grantee directly engaged in the performance of work under a grant, including: a. All "direct charge" employees; b. all "indirect charge" employees unless their impact or involvement is insignificant to the performance of the grant; and c. temporary personnel and consultants who are directly engaged in the performance of work under the grant and who are on the grantee's payroll. This definition does not include workers not on the payroll of the grantee (e.g., volunteers, even if used to meet a matching requirement; consultants or independent contractors not on the grantee's payroll; or employees of subrecipients or subcontractors in covered workplaces). Note that by signing these certifications, certain documents must completed, in use, and on file for verification. These documents include: 1. Analysis of Impediments to Fair Housing 2. Citizen Participation Plan 3. Anti - displacement and Relocation Plan Signature /Authorized Official Roy D. Buol 1 Mayor City of Dubuque Iowa 1 50 West 13 Street 1 Address Dubuque Iowa 52001 1 City /State /Zip 563 - 589 -4210 1 Telephone Number 04/19/2010 Date CPMP Non -State Grantee Certifications 11 Version 2.0 THE CITY OF DuB T? Dubuque All-America City Masterpiece on the Mississippi 2007 APPENDIX FY 2011 -2015 Consolidated Plan For Housing and Community Development City of Dubuque, Iowa HUD Program Year 2010 -2014 APPENDIX PUBLIC INPUT Community Development Advisory Commission (CDAC) • July 8, 2009 • August 12, 2009 • October 14, 2009 • November 18,2009 • December 2, 2009 • December 16, 2009 • January 6, 2010 • February 3, 2010 • March 3, 2010 CDBG: Moving Dubuque Forward • September 30, 2009 • October 7, 2009 (co- facilitated with North End Neighborhood Association) Housing and Community Development Survey (English & Spanish) Distributed on website and at meetings City Management Team Meeting- September 15, 2009 Valley View Neighborhood Meeting- November 10, 2009 Meeting of Stakeholders on Job Training Needs — November 5, 2009 • Hosted by Iowa Representative Wayne Ford and Chuck Isenhart, Senator Pam Jochum Long Range Planning Commission February 17, 2010: Reviewed and approved Consolidated Plan Housing Commission: February 23, 2010: Reviewed and approved Consolidated Plan City Council • March 15, 2010 • April 19, 2010 Additional Comments: Project Concern (via email) • More affordable rental housing, especially taking into consideration green energy saving efforts in rental properties. Often times the rent is affordable but the energy costs are too much for residents to take care of. • Having both landlords and tenants accountable for the places that they own /rent. • Ensure that resources available in the community are known especially to those that are in need and cannot access it via the web. Terry Mozena (via email regarding Langworthy Neighborhood) • Streetscape improvements, such as trees, benches and garbage receptacles All comments were reviewed and considered by the Community Development Advisory Commission in the preparation of the Consolidated Plan. MEETING NOTICES A draft plan was posted on the City's website www.cityofdubuque.org and available at the Carnegie Stout Library, City Clerk's office and Housing and Community Development office 30 days prior to City Council public hearing. All public meeting notices were also posted on this website, mailed to local news media and local organizations, and were published in two local newspapers, the Dubuque Advertiser, a free weekly publication, and in the Telegraph Herald, a local general circulation newspaper. MAP- CITY OF DUBUQUE, IOWA Source: U.S. Census Bureau, Census 2000 V, 4 A Y • I ubuque UX u 4,;Mtv.6. - i R Shur. L)uhuu ue GA Iowa '.� eSi...•• ..... . .... ...�4 . „ 'Puhuque .: inlest Dubuque ubuque Table M F: \USERS\ATAUKE \CDBG \Cons Plan 2011- 2015\APPENDIX- Cons Plan.doc o- ..alcrr, Daavie entress Lk ound Lk Boundaries /State '00 County A Co Sub A 'CO Subbarria '00 Place ./ / '00 Place 'CO Con City '00 Urban Area /' •'CO trban Area Features /r Major Road 7/ Street Stream /Waterbody „A ACKNOWLEDGEMENTS Portions of the Consolidated Plan contain direct information from "Consolidated Population, Housing, and Market Analysis ", a study completed by Alta Vista Research, Inc.1450 Alta Vista Street, Dubuque, Iowa for this purpose. This information has been italicized and identified by footnotes. Special thanks to Len Decker and Chris Budzisz. The Homeless Needs portion of the Consolidated Plan included information primarily from the Continuum of Care (COC) application, which was written as a joint project of Project Concern, Maria House, Manessah House, Hillcrest Family Services and the City of Dubuque Housing and Community Development Department. CONSOLIDATED PLANNING Community Needs SUMMARY OF RESULTS 11/09 Community needs meetings were held on September 30, 2009 and October 7, 2009 at the Comiskey Center, 225 East 24 Street, Dubuque, Iowa entitled "CDBG: Moving Dubuque Forward ". Notices were published on the City website www.citvofdubuque.orq, published in the local newspaper the Telegraph Herald, and sent via email and regular mail to all City Departments, neighborhood organizations, the mulit- cultural family center, press, non - profit organizations, educational institutions, businesses and other interested parties. Notice was also placed in the Dubuque Community School District "Visible /Available weekly events calendars which is distributed throughout the community. The October 7 meeting was co- facilitated with the North end Neighborhood Association, with invitations for participation, by all neighborhood associations. About 20 attendees were at each meeting'. Aggie Tauke, Community Development Specialist for the City of Dubuque provided an overview of the needs assessment process being undertaken. After needs were identified in the categories of housing', public improvements, public services and economic development, participants were asked to identify the high, medium and low priority. Community Development Advisory Commission members attended sessions as well as other city staff. The main goal was to identify and prioritize the needs and/or wants of the community. Input will be incorporated into the five year Consolidated Plan currently being prepared by the City of Dubuque. Listed below are the priorities identified as needs during the two community meetings, followed by the number who identified this as a priority: Housing: Quality Housing (3) Transitional housing for mental /substance abuse persons (3) Strengthen upkeep of rental(2) More homeowner funds (2) Smoke -free buildings /assistance in cleaning (2) Landlord inspections /rental (2) Expand Section 8 training for tenants Respect for Dubuque Affordable housing rehab Screening of renters Enforce Section 8 regulations Apartments above commercial downtown Zero tolerance /tip line inspector Landlord accountability Accessible rentals /more units for larger families Police housing Welcoming information for new residents More funds for historic preservation Funds for Healthy Homes equipment Green Rental Housing Public Improvements: Community Center in former St. Mary's Church (3) Water Sport Center and docking area (2) Traffic signal at 6th and Locust More lighting and improved sidewalks City -wide Restrooms for Jackson Park Complete Mines of Spines to Bergfeld Park trails Alley Pavement program (prioritize primary access) Liter Control /trash receptacles Streetscape Improvements Public Services: Mass Transit/alternate hours (weekends /evenings) & partner with other agencies (7) Youth Center — teach accountability /sustainability /responsibility (5) Restore Community Partnership Program (cp2) (5) Animal Spade /Neuter Program for low income owners (4) Safety funding (1) Poverty Awareness Training City -wide (1) Community Gardening Prevention /Education /Nutrition Health Promotion/Wellness Programs Expand "Reinventing the family meal" Program Weight loss program Tool Lending Library for all residents Job transportation More transportation options Hillcrest Gym and Library Bi- Lingual education programs Foster Care Transition Program Prevention Program for At -Risk (16 -24 ages) persons Youth as Persons Program Advocacy /empowerment groups Youth Ski Program /Shuttle Service Marketing of community resources Economic Development: Targeted redevelopment (2) Incentives for hiring low- income persons (intern training) (2) Job development (Warehouse District/Downtown Neighborhoods)(1) Green Jobs (1) Small business start up funds(1) Career assessment Community Development Internships Employment training for reformed felons More jobs Staff met with the Valley View Neighborhood on Tuesday November. 10 at the Dubuque Area Labor Harvest and reviewed the Consolidated Planning process and requested their input. They identified the following needs for their neighborhood: lighting at alley intersections with Foye and Ellis Streets; more lights on Almond Street; Restoration of alleys; Sidewalks on Merchant /Gold /Foye; Resurfacing of Dorgan Street; businesses in vacant storefronts. F: \USERS\ATAUKE \CDBG \Cons Plan 2011 - 2015 \Needs Summary.doc CITY OF DUBUQUE HOUSING AND COMMUNITY DEVELOPMENT SURVEY A Housing and Community Development Survey was also published on the website beginning September 24, 2009 and remained until January, 2010. The survey was also made available to those present at the community meetings, neighborhood meetings, and distributed to city departments. Seventeen survey responses were submitted by November 18 compiled in conjunction with the needs identified at public meetings. The survey was distributed to attendees at the Multicultural Family Center and was translated into Spanish. The survey was presented to the Marshalese church, where "10 people participated and 40 listened to these ratings and agreed. " There results have been incorporated into this summary. Housing & Community Development Survey The City of Dubuque receives Community Development Block Grant (CDBG) federal funds each year for housing and community development projects. The Housing and Community Development Department want you to have a voice in how the City invests this money. Please assist us by filling out this survey. In your responses below, which area of the City of Dubuque are you addressing? City Wide West End North South Downtown If you are addressing a specific neighborhood, please mark all that apply. Downtown Neighborhood Historic Bluffs Neighborhood North End Neighborhood Washington Neighborhood Valley View Neighborhood Point Neighborhood .angworthy District Neighborhood 3roadway Extended Neighborhood Grandview Neighborhood Bluff Street Neighborhood 12 1 5 6 10 8 10 8 6 7 4 4 4 8 No Need Low Need Medium Need High Need Priority 1 1 9 5 Medium Medium Medium Medium Medium Medium Medium 1 5 13 1 1 3 14 2 1 4 10 6 1 5 9 5 1 7 9 3 1 3 8 7 2 7 7 3 3 Litter control 5 No Need Low Need Medium Need High Need Priority 4 7 8 High High High Medium 1 5 6 7 1 7 4 7 1 5 10 5 1 5 9 5 Mental Health Services 7 No Need Low Need Medium Need High Need Priority 4 7 7 High Medium Medium Medium Medium Low Low Low Low 2 4 9 4 6 8 5 1 5 10 1 5 9 5 1 7 6 5 9 9 1 2 7 7 3 3 6 5 5 Handicapped Accessible facilities /Jobs Housing & Community Development Survey 1. Suitable Living Environment For each of the following categories, please rate every item by checking the appropriate box indicating the level of need you see in our community. Community Facilities Youth Center Senior Center Child Care Center Park & Recreational facilities Community Center Homeless Facility Health Facilities Neighborhood Facilities Parking Facilities Other Please specify: Infrastructure Accessible curbs Water /Sewer Street /Alley Street lighting Sidewalk improvements Public wall /steps Drainage Other Please specify: Special Needs Disabled Centers /services Deomestic Violence Facilities Homeless Shelters Accessibility improvements Other Please specify No Need Low Need Medium Need High Need Survey Priority 1 1 7 10 High High High High High Med /High Med /High Med /High Medium Medium Medium Medium Medium Low /Med 4 5 10 3 6 10 2 8 8 1 3 6 13 1 8 9 3 8 8 2 10 8 5 9 5 2 7 10 1 4 11 3 2 10 6 4 8 5 1 6 7 5 Parent Education/ Community Education No Need Low Need Medium Need High Need Survey Priority 1 3 5 9 High High Medium Medium Medium Medium Medium Low /Med Low /Med Low /Med 3 5 10 3 3 8High 4 8 6 1 3 11 3 2 9 7 5 7 7 6 7 5 7 5 3 10 5 3 1 5 5 5 1 Jobs/ Buyout problem landlords Rundown properties area a blight on the neighborh Housing & Community Development Survey Public Services Youth services Mentoring services Substance Abuse services Child care services Crime prevention Mental Health services Elderly services Transportation Health services Education Recreational programs Neighborhood services Leadership development Homeless services Other Please specify 2. Decent Housing Housing Affordable rental housing Housing for disabled Tenant /Landlord counseling Affordable single family housing Homeownership assistance Residential rehabilitation Code enforcement Lead paint removal Senior housing Historic preservation Fair housing Other Please specify: od. No Need Low Need Medium Need High Need Survey Priority 3 6 9 High High High High Med /High Med /High Med /High Med /High Med /High 5 5 9 1 8 10 1 7 8 2 7 9 3 10 6 3 10 5 5 10 3 2 9 8 Economic Deve keep companies opment/ incentives to in Dubuque Housing & Community Development Survey 3. Creating Economic Opportunities Business and Jobs Work force training Summer youth employment Job Readiness skills Attracting new businesses Local business support Technical Assistance for business Financial Assistance for business Micro - enterprise assistance Job creation/retention /training Other Please specify: 4. Area of Interest? Which one topic is your primary area of interest? Housing Infrastructure Public facilities Public service Economic Development Other Please specify: F: \USERS\ATAUKE \CDBG \Cons Plan 2011 - 2015 \Surveys \[Final Survey Result form 09.xlsjResults Priority 5 3 3 7 2 5. Additional comments? Safe neighborhoods & city Welcome wagon for dowtown neighborhoods Poverty Awareness/ Bridges out of Poverty& Getting Ahead Section 8 housing apartments need live -in managers. Dubuque, IA - Official Website Page 1 of 5 You are here: Home > Forms- Housing & Community Development Survey The City of Dubuque receives Community Development Block Grant (CDBG) federal funds each year for housing and community development projects. The Housing and Community Development Department want you to have a voice in how the City invests this money. Please assist us by filling out this survey. In your responses below, which area of the City of Dubuque are you addressing ?* South r Downtown Ci City Wide I+ West End E North If you are addressing a specific neighborhood, IT Downtown Neighborhood ✓ Historic Bluffs Neighborhood • North End Neighborhood IT Washington Neighborhood C Valley View Neighborhood please mark all that apply.* IT Point Neighborhood IT Langworthy District Neighborhood F' Broadway Extended Neighborhood IT Grandview Neighborhood IT Bluff Street Neighborhood 1. Suitable Living Environment: For each of the following categories, please rate every item by checking the appropriate box indicating the level of need you see in our community. Community Facilities Senior Center* Youth Center* Child Care Center* Homeless Facility* Park and Recreational Facilities* Health Facilities* Community Center* Neighborhood Facilities* Parking Facilities* IT NO NEED FT LOW NEED IT NO NEED 1 LOW NEED CT' NO NEED LOW NEED IT NO NEED FT LOW NEED FT NO NEED El LOW NEED IT NO NEED FT LOW NEED FT NO NEED C° LOW NEED E NO NEED C LOW NEED • NO NEED IT LOW NEED [ MEDIUM NEED ICI HIGH NEED El MEDIUM NEED FI HIGH NEED [Ti MEDIUM NEED n H IGH NEED El MEDIUM NEED [1 H IGH NEED F! MEDIUM NEED • HIGH NEED FT MEDIUM NEED [Ti HIGH NEED [Ti MEDIUM NEED I—I H IGH NEED I-' MEDIUM NEED CT HIGH NEED F! MEDIUM NEED IT H IGH NEED Dubuque, IA - Official Website Page 2 of 5 Other* Please Specify Infrastructure Accessible Curbs* Water /Sewer* Street/Alley* Street Lighting* Sidewalk Improvements* Public Wall /Steps* Drainage* Other* Please Specify Special Needs Disabled Centers /Services* ' Accessibility Improvements* Domestic Violence Facilities* Homeless Shelters* Other* Please Specify It NO NEED E LOW NEED El MEDIUM NEED rl HIGH NEED r NO NEED El MEDIUM NEED C LOW NEED r HIGH NEED r NO NEED rl. MEDIUM NEED fT LOW NEED l HIGH NEED r NO NEED L] MEDIUM NEED IT LOW NEED El HIGH NEED r NO NEED El MEDIUM NEED C LOW NEED El HIGH NEED r NO NEED I_? MEDIUM NEED E LOW NEED r HIGH NEED IT NO NEED IT MEDIUM NEED ✓ LOW NEED r HIGH NEED IT NO NEED r MEDIUM NEED IT LOW NEED r HIGH NEED E NO NEED r MEDIUM NEED FT LOW NEED r HIGH NEED IT NO NEED rl MEDIUM NEED IT LOW NEED rl HIGH NEED r NO NEED r MEDIUM NEED r LOW NEED rl HIGH NEED r NO NEED r MEDIUM NEED E LOW NEED r HIGH NEED IT NO NEED I T MEDIUM NEED E LOW NEED I' HIGH NEED FT NO NEED I . MEDIUM NEED IT LOW NEED IT HIGH NEED Dubuque, IA - Official Website Page 3 of 5 Public Services Youth Services* Mentoring Services* Health Services* Mental Health Services* Substance Abuse Services* Elderly Services* Homeless Services* Education* Recreational Programs* Child Care Services* Transportation* Neighborhood Services* Crime Prevention* Leadership Development* Other* Please Specify 2. Decent Housing: E NO NEED r' MEDIUM NEED rE LOW NEED r HIGH NEED IT NO NEED r MEDIUM NEED Ir LOW NEED r HIGH NEED E NO NEED r MEDIUM NEED IT LOW NEED C❑ HIGH NEED IT NO NEED rE MEDIUM NEED r LOW NEED i ..1 HIGH NEED IT NO NEED I E MEDIUM NEED r LOW NEED r HIGH NEED r NO NEED ri MEDIUM NEED I LOW NEED f.°! HIGH NEED IT NO. NEED rl MEDIUM NEED r LOW NEED rE HIGH NEED IT NO NEED El MEDIUM NEED 17 LOW NEED El HIGH NEED IT NO NEED r! MEDIUM NEED r LOW NEED I 1 HIGH NEED r NO NEED Fi MEDIUM NEED IT LOW NEED IT HIGH NEED r NO NEED I T MEDIUM NEED FE LOW NEED IT HIGH NEED r NO NEED rE MEDIUM NEED r LOW NEED IT HIGH NEED r NO NEED IT MEDIUM NEED IT LOW NEED r HIGH NEED r NO NEED r MEDIUM NEED IT LOW NEED r HIGH NEED IT NO NEED El MEDIUM NEED IT LOW NEED r HIGH NEED Dubuque, IA - Official Website Job Readiness Skills* Technical Assistance for Business* Financial Assistance for Business* Micro - Enterprise Assistance* Job Creation /Retention/Training* Attracting New Businesses* Other* Please Specify 4. Area of Interest Which one topic is your primary area of interest ?* FT Housing IT Infrastructure 1 Public Facilities Please Specify 5. Additional Comments? * indicates required fields. S ubmit FT NO NEED f71 MEDIUM NEED C LOW NEED IT HIGH NEED I- NO NEED T! MEDIUM NEED IT LOW NEED IT HIGH NEED C NO NEED I-! MEDIUM NEED )� LOW NEED T HIGH NEED ✓ NO NEED FT MEDIUM NEED IT LOW NEED 17 HIGH NEED Ir NO NEED IT MEDIUM NEED Ir LOW NEED T HIGH NEED F. NO NEED IT MEDIUM NEED Ir LOW NEED El HIGH NEED IT NO NEED I MEDIUM NEED F LOW NEED FT HIGH NEED IT Public Service IT Economic Development IT Other Reset Ca ncel httn:// www. citvnfduhunue .nru/farms.asnx ?FTD =1 fl&.PT PVTRW =VRS Page 5 of 5 09/15/7.(1(19 Dubuque, IA - Official Website Page 4 of 5 Housing Affordable Single Family Housing* Affordable Rental Housing* Housing for Disabled* Homeownership Assistance* Residential Rehabilitation* Senior Housing* Code Enforcement* Historic Preservation* Lead Paint Removal* Fair Housing* Tenant/Landlord Counseling* Other* Please Specify 3. Creating Economic Opportunities: Business and Jobs Workforce Training* Local Business Support* Summer Youth Employment* E. NO NEED rT LOW NEED IT NO NEED E LOW NEED E NO NEED E LOW NEED . r NO NEED r LOW NEED ✓ NO NEED IT L OW NEED E NO NEED r L OW NEED IT NO NEED IT LOW NEED E NO NEED IT LOW NEED ✓ NO NEED IT LOW NEED r NO NEED IT LOW NEED E MEDIUM NEED r HIGH NEED ✓ MEDIUM NEED ✓ HIGH NEED rl MEDIUM NEED IT HIGH NEED rl MEDIUM NEED rl HIGH NEED J MEDIUM NEED rT HIGH NEED ✓ MEDIUM NEED D HIGH NEED IT NO NEED r MEDIUM NEED • LOW NEED rT HIGH NEED IT NO NEED El MEDIUM NEED ✓ LOW NEED F HIGH NEED [Ti MEDIUM NEED '! HIGH NEED ✓ NO NEED r MEDIUM NEED r' LOW NEED r HIGH NEED IT NO NEED rl MEDIUM NEED IT LOW NEED ri HIGH NEED ✓ NO NEED r MEDIUM NEED E LOW NEED r HIGH NEED rJ MEDIUM NEED E HIGH NEED n MEDIUM NEED rl HIGH NEED r MEDIUM NEED F HIGH NEED httn:// www. citvnfduhunue_ rn• a/ forms.asnx ?FTD= 103 X&PRFVTRW =YRS 09 /15/2009 CIUDAD DE DUBUQUE ENCUESTA DE VIVIENDA Y DESARROLLO COMUNITARIO Encuesta de Vivienda y Desarrollo Comunitario La Ciudad de Dubuque recibe un premio del Community Development Block (CDBG) de fondos federales cada ano para proyectos de vivienda y desarrollo comunitario. El Departamento de Vivienda y Desarrollo Comunitario quiere que usted tenga una voz, en como la ciudad debe invertir este dinero. Por favor ayudenos llenado esta encuesta. En su respuestas a continuacion: En que area de la Ciudad de Dubuque vive usted? Toda la Ciudad Oeste Norte Sur Centro Si esta en un barrio especifico, por favor marque todas las que apliquen Barrio del Centro Barrio en el Centro Historico de Bluff Barrio al final de la Parte Norte Barrio Washington Barrio en Valley View Barrio Point Distrito Langworthy Barrio Broadway Extended Barrio Grandview Barrio Bluff Street 1. Entorno de Vida Adecuada Por cada una de las siguientes categori as, por favor califique cada punto marcando apropiadamente el nivel de necesidad de su comunidad. Facilidades Comunitarias Centro para Mayores Centro Juvenil Facilidades para familias sin Hogar Facilidades de Parqueo y Recreacion Facilidades de Salud Centro Comunitario Facilidades para el vecindario Otras: Especifique: Infraestructura Curvas de Acceso Acueducto / Alcantarillado Calle/ Callejones Alumbrado Publico Mejoras en vias Peatonales Muros o Escaleras Publicas Drenajes Otros Por Favor Especifique: Necesidades Especificas Centros y Servicios para Discapacitados Mejoramiento de Facilidades de Accesos Violencia Domestica Refugios para Desamparados Otras: Por favor especifique Ninguna Baja Media Alta Necesidad Necesidad Necesidad Necesidad Ninguna Baja Media Alta Necesidad Necesidad Necesidad Necesidad Ninguna Baja Media Alta Necesidad Necesidad Necesidad Necesidad Servicios Publicos Servicios para la Juventud Servicios de Mentores Servicios de Salud Servicios de Salud Mental Servicios de Abusos de Substancias Servicios para la Vejez Servicios para los Desamparados Educacion Programas Recreacionales Servicios de Cuidado Infantil Transporte Servicios del Barrio o Vecindario Asistencia de Prevencion de Crimenes Asistencia para Propietarios de vivienda Desarrollo de Liderazgo Otros: Por Favor Especifique 2. VIVIENDA DECENTE Vivienda Vivienda Familiar Asequible Vivienda de Alquiler Asequible Vivienda para los Discapacitados Asistencia para Propietarios de Vivienda Rehabilitacion Residencial Vivienda para Senior Aplicacion de Codigo Preservacion Historica Remocion de Pintura de Plomo Vivienda Justa Conserjeria para Arrendatarios y Arrendadores Otros: Por Favor Especifique: Ninguna Baja Media Alta Necesidad Necesidad Necesidad Necesidad Ninguna Baja Media Alta Necesidad Necesidad Necesidad Necesidad 3. CREACION DE OPORTUNIDADES ECONOMICAS Negocios y Trabajos Entrenamiento para fuerza laboral Soporte para negocios locales Empleo de Verano para Jovenes Preparacion de Habilidades para Trabajar Asistencia Tecnica para negocios Asistencia Financiera para negocios Asistencia para pequefios Empresarios Entrenamientos para creacion /retencion de empleos Atraer Nuevos negocios Otros: Por favor Especifique 4. AREAS DE INTERES? Cual es el tema de ma or interes ara usted? Vivienda Infraestructura Facilidades Piiblicas Servicios Publicos Desarrollo Economico Otros Por Favor Especifique: 5. COMENTARIOS ADICIONALES? F: \USERS\ATAUKE \CDBG \Cons Plan 2011- 2015 \Survey Spanish. encuesta.doc Ninguna Baja Media Alta Necesidad Necesidad Necesidad Necesidad Planning Services Department City Hall 50 West 13th Street Dubuque, IA 52001 -4864 (563) 589 -4210 phone (563) 589-4221 fax (563) 589 -6678 TDD planninQCityofdubuque. org Hilary Stubben, Chairperson Community Development Advisory Commission 350 W. 6th St. Suite 312 Dubuque, IA 52001 RE: FY 2011 -2015 Consolidated Plan Dear Ms. Stubben, Respectfully submitted, Avdaidh- Jim Prochaska, Chairperson Long Range Planning Advisory Commission cc: Michael Van Milligen, City Manager THE CITY OF Dui Masterpiece on the Mississippi February 22, 2010 Introduction The Long Range Planning Advisory Commission reviewed the recommended FY 2011- 2015 Consolidated Plan. Background One of the roles of the Long Range Planning Advisory Commission is to report on the consistency of the Consolidated Plan with the adopted Comprehensive Plan. Recommendation By a vote of 4 - 0, the Long Range Planning Advisory Commission finds the FY 2011- 2015 Consolidated Plan is consistent with the 2008 Dubuque Comprehensive Plan. Planning Services Department City Hall 50 West 13th Street Dubuque, IA 52001 -4864 (563) 589 -4210 phone (563) 589 -4221 fax (563) 589 -6678 TDD planning@Citvofdubuque.org Hilary Stubben, Chairperson Community Development Advisory Commission 350 W. 6th St. Suite 312 Dubuque, IA 52001 RE: FY 2011 -2015 Analysis of Impediments to Fair Housing Dear Ms. Stubben, Introduction The Long Range Planning Advisory Commission reviewed the recommended FY 2011- 2015 Analysis of Impediments to Fair Housing. Background One of the roles of the Long Range Planning Advisory Commission is to report on the consistency of the Analysis of Impediments to Fair Housing with the adopted Comprehensive Plan. Recommendation By a vote of 4 - 0, the Long Range Planning Advisory Commission finds the FY 2011- 2015 Analysis of Impediments to Fair Housing is consistent with the 2008 Dubuque Comprehensive Plan. Respectfully submitted, Jim Prochaska, Chairperson Long Range Planning Advisory Commission cc: Michael Van Milligen, City Manager Masterpiece on the Mississippi February 22, 2010 Masterpiece on the Mississippi Community Development Advisory Commission City of Dubuque Housing and Community Development 350 West 6 Street Suite 312 Dubuque IA 52001 RE: FY 2011 -2015 Consolidated Plan and Analysis of Impediments to Fair Housing Dear Commission Members: The City of Dubuque Housing Commission reviewed the FY 2011 -2015 Consolidated Plan and Analysis of Impediments to Fair Housing at a meeting on Tuesday February 23, 2010. Community Development Specialist Aggie Tauke presented the proposed Plans and requested Commission input and comments. The Commission unanimously recommended adoption of the Consolidated Plan and Analysis of Impediments to Fair Housing. Respectfully submitted, Char Eddy Vice Chairperson Housing Commission Dubuque intid All Ametica City 11111 2007 Cc: David Harris, Housing and Community Development Aggie Tauke, Housing and Community Development H &CD Housing and Community Development Department 350 West 6th Street, Suite 312 Dubuque, Iowa 52001 -4648 Office (563) 5894230 Fax (563) 5894244 TTY (563) 589 -4930 housing@cityofdubuque.org www.cityofdubuque.org Service People Integrity Responsibility Innovation Teamwork DATE: July 8, 2009 TIME: 5:30 p.m. PLACE: Council Chambers, Historic Federal Building 350 W. 6 Street Dubuque, Iowa 52001 Vice Chairperson Stubben called the meeting to order at 5:30 p.m. following staff assurance of compliance with Iowa Open Meeting Law. Commissioners Present: Commissioners Absent: MINUTES OF COMMUNITY DEVELOPMENT ADVISORY COMMISSION MEETING Staff Present: Aggie Tauke David Harris Kris Neyen Certification of Minutes — May 27, 2009 Commissioner Michalski moved to approve the minutes of May 27, 2009, as submitted. Commissioner Caldwell seconded. Roll call. All others present in favor. Motion passed. Correspondence / Public Input None. Old Business None. Hilary Stubben Ann Michalski Janice Craddieth Mike Gukeisen Public Hearing FY2010 Annual Action Plan — Amendment 1 Commissioner Michalski moved to open the public hearing. Commissioner Maloy seconded. Roll call. All present in favor. Motion passed. Paula Maloy, SVM Theresa Caldwell Tom Wainwright David Shaw New Business Election of Officers Commissioner Craddieth moved to nominate Commissioner Stubben as Chairperson. Commission Wainwright seconded. Roll call. All present in favor. Motion passed. Stubben accepted the nomination as Chairperson. Commissioner Craddieth moved to nominate Commissioner Michalski as Vice Chairperson. Commissioner Maloy seconded. Roll call. All present in favor. Motion passed. Michalski accepted the nomination as Vice Chairperson. For the record no public was present in this regard. Aggie Tauke presented the proposed changes which consisted of: fund Historic Preservation Grant Program by $19,467; decreased Leadership Training by $2,000 to $0; increase Neighborhood Support Grants by $4,000 to $24,000 and increased City Planning Administration by $5,366 to $49,178, which is an increase in the original HUD allocation by $26,833. Aggie stated the amendment would also revise the Lead Paint Hazard Abatement Program, by increasing the forgivable loans from $6,000 per unit to $12,000 due to the increase in costs to abate lead. Commissioner Michalski asked if the Neighborhood Grants could use that funding for Leadership Training. Aggie stated that the Neighborhood Association would have to request funding for that purpose. Commissioner Michalski moved to close the public hearing. Commissioner Caldwell seconded. Roll call. All present in favor. Motion passed. Commissioner Maloy moved to approve the proposed amendment to the FY2010 Annual Action Plan and forward the amendment to the City Council for approval. Community Development Block Grant Recovery (CDBG -R) Funds HUD Revisions to Amendment Aggie stated that the amendment recently approved by the City Council to use $49,240 of the $238,269 CDBG Recovery funds (CDBG -R) for the Multicultural Director was denied by HUD. HUD has requested the funds be directed to a public improvement project. Staff is reviewing various projects and will bring an amendment to be reviewed to the August Commission meeting. Staff stated that the Multicultural Director position would now be funded from CIP funding. Commissioner Michalski wanted the record to show her support for the Center and concern for funding the Multicultural Center Director with CIP funds since she would like to see more permanent funding. Consolidated Planning Process Aggie stated that this is the beginning of the process for the Consolidate Plan, which is used to address the needs, priorities and strategies for the community for the next five years. She passed out a survey asking the Commission for input. Aggie stated that the survey would be put on the Community Development website and also asked if the Commission would like to meet with the non - profit organizations and neighborhood groups for their input. The Commission requested separate meetings for non - profits and neighborhood groups /citizens. They requested Comisky Park at 5 p.m. in September or October. Information Sharing Diverse Dubuque A Focus on National Origin The Commission viewed the video and were very impressed with it. Commissioner Michalski noted that the 2 story porch is deteriorated at the property at 1504 Iowa Street. David Harris stated that he would have staff inspect the property. Adj ournment There being no further business to come before the Commission, Commissioner Caldwell moved to adjourn. Commissioner Michalski seconded. Motion passed by voice vote. Meeting was adjourned at 6:10 p.m. Minutes�taken by: Kris Neyenv Rehabilitation Specialist Respectfully submitted by: Aggie Tauke Community Development Specialist Old Business None. MINUTES OF COMMUNITY DEVELOPMENT ADVISORY COMMISSION MEETING DATE: August 12, 2009 TIME: 5:30 p.m. PLACE: Housing Conference Room, Suite 312 Historic Federal Building 350 W. 6 Street, Dubuque, Iowa 52001 Vice Chairperson Michalski called the meeting to order at 5:30 p.m. following staff assurance of compliance with Iowa Open Meeting Law. Commissioners Present: Paula Maloy, SVM Theresa Caldwell Janice Craddieth Ann Michalski Tom Wainwright David Shaw Commissioners Absent: Mike Gukeisen Hilary Stubben Staff Present: Aggie Tauke Kris Neyen Public Present: Wayne Sherman Chris Olson Joleen Patterson Certification of Minutes — July 8, 2009 Commissioner Maloy moved to approve the minutes of July 8, 2009, as submitted. Commissioner Wainwright seconded. Roll call. All others present in favor. Motion passed. Commissioner Michalski stated that she wanted the record to show that she did not have a problem with the Multi Cultural Center Director being funded with CIP funds — her concern was that she would like to a more permanent funding source used. Correspondence / Public Input Chris Olson, representing Four Mounds Foundation/HEART Program, requested that the information being obtained for the Consolidated Plan be shared regarding data collected on affordable housing. She stated that they recently applied for a grant, which was not funded but needed more information on affordable housing. Aggie Tauke requested that Olson email the needed information. New Business FY2009 Annual Plan — Amendment 6 Community Development Block Grant (CDBG) and CDBG - Recovery (CDBG -R) Review amendment and set Public Hearing September 9, 2009 Aggie stated that the amendment recently approved by the City Council to use $49,240 of the CDBG Recovery funds (CDBG -R) for the Multicultural Director was denied by HUD. HUD has requested the funds be directed to a public improvement project. Therefore, this amendment proposes eliminating funding for the Multicultural Center Director and funding the Homeowner Rehabilitation activity ($49,240). HUD also does not allow CDBG -R funds to be used in conjunction with an existing CDBG project, therefore, this amendment also proposes reducing CDBG funds in Homeowner Rehabilitation by $49,240 ($430,607) and increasing the Multicultural Center activity by $49,240 (399,240). Aggie stated that Michelle Mihalakis had originally requested funds for a youth building, but has withdrawn that request due to CDBG requirements. Commissioner's Caldwell, Maloy and Shaw all voiced concern with providing more funding to the Multicultural Center, rather than funding additional projects. The Commission requested that a representative from the Multicultural Center be present at the public hearing to respond to concerns. Commissioner Maloy moved to set the public hearing for an amendment to the FY2009 Annual Action Plan for September 9, 2009 at 5:30 p.m. in the Council Chambers. Commissioner Caldwell seconded. Roll call. All present in favor. Motion passed. Consolidated Annual Performance and Evaluation Report (CAPER) Review CDBG Annual FY2009 Performance Report and set Public Hearing for September 9, 2009 Aggie stated that the CAPER report is generated from HUD's IDIS software. Commissioner Maloy commented on the having the report on back to back pages, really saved a lot of paper. Commissioner Michalski questioned numerous projects and number of people served, as well as the population served on recreation activities. Aggie stated that some activities serve low -mod areas (LMA), therefore no data is required on individuals assisted. Commissioner Shaw moved to set the public hearing for approval of the CAPER for September 9, 2009, at 5:30 p.m. in the Council Chambers. Commissioner Caldwell seconded. Roll call. All present in favor. Motion passed. Consolidated Planning Process Aggie proposed scheduling the non - profit meeting to review community needs for Wednesday, September 30, 2009, at the Comiskey Center and an additional meeting for the neighborhood groups in October. The Commission noted the Prescott Community Room is a more accessible place to meet. Aggie stated that she would call and see about availability. The Commission also suggested that a presentation be made to the Friends of the Community and also information submitted to the Golden Globe publication. Information Sharing None. Adjournment There being no further business to come before the Commission, Commissioner Maloy moved to adjourn. Commissioner Craddieth seconded. Motion passed by voice vote. Meeting was adjourned at 6:30 p.m. mutes taken by: Kris Neye Rehabilitat . pecialist Respectfully submitted by: Ag auke Co unity Development Specialist MINUTES OF COMMUNITY DEVELOPMENT ADVISORY COMMISSION MEETING DATE: October 14, 2009 TIME: 5:30 p.m. PLACE: Housing Conference Room, Suite 312 350 W. 6 Street, Dubuque, Iowa 52001 Chairperson Stubben called the meeting to order at 5:30 p.m. following staff assurance of compliance with Iowa Open Meeting Law. Commissioners Present: Hilary Stubben Ann Michalski Mike Gukeisen Commissioner Absent: Dave Shaw Staff Present: Public Present: Correspondence / Public Inp None. Old Business None. Kim Harris Mary Lawyer Paula Maloy, SVM Theresa Caldwell Tom Wainwright Janice Craddieth Aggie Tauke Kris Neyen Joleen Patterson Certification of Minutes — September 9, 2009 Commissioner Wainwright moved to approve the minutes. Commissioner Michalski seconded. Roll call. All present in favor. Motion passed. New Business Proposed Amendment to FY09 and FY10 Annual Action Plans Aggie Tauke stated that the amendment to the FY10 Annual Action Plan proposes to reallocate funds from FY09 into the FY10 Annual Plan. She stated there is also $49,240 left from CDBG -R Green Alley Pilot Project to be reallocated. Staff proposed doing another alley or replacing the Montrose Terrace steps. The Commission discussed possible projects, such as a new boiler for Maria House, increasing the Historical Grant Program, relocating the Tool Library and reinstating the cp2 Program. Aggie noted no public service funds are available since the 15% cap has been met. Aggie stated that due to Veteran's Day the next Commission meeting would be November 18, 2009. The Commission discussed and decided to review the funding options at the next meeting. Commissioner Gukeisen moved to table this amendment until the November 18, 2009 meeting. Commissioner Craddieth seconded. Roll call. All present in favor. Motion passed. FY11 CDBG Annual Action Plan Aggie reviewed the process for the FY11 Annual Plan /budget process. She stated the community needs meetings, which included non - profit agencies and neighborhood associations, were well attended. Commissioner Michalski stated she was very impressed by the attendance and comments presented. Aggie stated that the identified needs will be presented at the November 18 meeting. Since identified needs were only ranted at one of the meetings, the Commission decided to place limited value on the rankings. Information Sharing Commissioner Michalski stated that she did not intend for the Washington Development Corporation to change their meeting time, but that the Commission look at a meeting schedule change to enable attendance by City staff. The 4 th Wednesday of the month is being considered. Commissioner Michalski circulated an article to the Commission regarding inner -city youth violence. Adjournment There being no further business to come before the Commission, Commissioner Craddieth moved to adjourn. Commissioner Caldwell seconded. Motion passed by voice vote. Meeting was adjourned at 6:30 p.m. Miryutes taken by: Kr' Neyen II Rehabilitatio Specialist Respectfully submitted by: Agg e Tauke Community Development Specialist DATE: TIME: PLACE: Vice Chairperson Michalski called the meeting to order at 5:30 p.m. assurance of compliance with Iowa Open Meeting Law. Commissioners Present: Theresa Caldwell Paula Maloy, SVM Tom Wainwright Commissioners Absent: Staff Present: Public Present: Old Business None MINUTES OF COMMUNITY DEVELOPMENT ADVISORY COMMISSION MEETING November 18, 2009 5:30 p.m. Housing & Community Development Department Historic Federal Building 350 W. 6 Street, Dubuque, Iowa 52001 Hillary Stubben Aggie Tauke David Harris Jerelyn O'Connor None Janice Craddieth Ann Michalski , following staff Mike Gukeisen David Shaw Lisa Barton Certification of Minutes —14 October 2009 Commissioner Maloy moved to approve the minutes of October 14, 2009. Commissioner Wainwright seconded. Roll call. Commissioner Shaw abstained. All others present in favor. Motion passed. Correspondence / Public Input Commissioner Michalski congratulated Commissioner Craddieth for receiving the Ruby Sutton Award. New Business New Member Char Eddy, Housing Commission Representative Aggie Tauke announced that Char Eddy will be a new Housing Commission Representative. She will be recognized at the next Commission meeting since she was unable to attend. Proposed Amendment to FY2009 and FY2010 Annual Action Plan Aggie Tauke reviewed the proposed amendment that would reallocate funds from the FY2009 Plan to the FY2010 Plan. She noted the amendment also proposes to move the $49,240 of CDBG Recovery funds from Homeowner Rehabilitation to the Green Alley Pilot Project for the reconstruction of another alley from 15 to 16 Streets between Elm and Washington Streets. Commissioner Caldwell questioned how the Green Alley Project is working and Aggie stated she would check with Engineering staff. The amendment also would increase CDBG funding by $49,240 for Homeowner Rehabilitation, add $45,686 for the First Time Homeowner with amending the narrative to remove the $5,000 loan limit. Aggie noted a 30 day public comment period is required prior to the public hearing. Commissioner Gukeisen moved to approve a public hearing to be held on Wednesday, January 6, at 5:30 p.m. Commissioner Wainwright seconded. Roll call. All others present in favor. Motion passed. FY2011 CDBG Annual Action Plan Aggie Tauke reported the City's budget department is currently compiling the FY2011 requests and will have the information available next week. Aggie proposed a special meeting for Wednesday, December 2 to review the Plan and set a public hearing for December 16 Consolidated Planning Aggie stated Alta Vista Research recently completed a Housing Market Analysis which will be used for the Consolidated Plan. The Commission discussed the housing results and reviewed the community needs as identified by the surveys and the community meetings. Information Sharing The Commission discussed rescheduling the regular meetings to the third Wednesday of the month at 5:30 p.m. A new schedule will be distributed at the next meeting. Adjournment There being no further business to come before the Commission, Commissioner Caldwell moved to adjourn. Commissioner Craddieth seconded. Motion passed by voice vote. Meeting was adjourned at approximately 6:15 p.m. Minutes taken by: Lisa Barton Rehabilitation Secretary Respectfully submitted by: AggiTauke Community Development Specialist DATE: December 2, 2009 TIME: 5:30 p.m. PLACE: Housing Conference Room, Suite 312 350 W. 6 Street, Dubuque, Iowa 52001 Chairperson Stubben called the meeting to order at 5:30 p.m. following staff assurance of compliance with Iowa Open Meeting Law. Commissioners Present: Hilary Stubben Ann Michalski Mike Gukeisen Commissioner Absent: Paula Maloy, SVM Staff Present: MINUTES OF COMMUNITY DEVELOPMENT ADVISORY COMMISSION MEETING Certification of Minutes — November 18, 2009 Commissioner Caldwell moved to approve the minutes. Commissioner Gukeisen seconded. Roll call. All present in favor. Motion passed. Correspondence / Public Input None. Old Business None. Aggie Tauke Kris Neyen Jerelyn O'Connor Joleen Patterson Dave Shaw Theresa Caldwell Tom Wainwright Janice Craddieth New Business New Member, Char Eddy, Housing Commission Representative The Commission welcomed Commissioner Eddy . Commissioner Michalski arrived at 5:35 p.m. David Harris FY11 CDBG Annual Action Plan Aggie Tauke reviewed the proposed CDBG annual requests and noted a contingency of $89,934. She stated that under the proposed plan, both administration and public caps are met. Commissioner Michalski asked if funds were needed in the Housing Trust Fund and David Harris stated that the City now receives State Trust Funds. The Commission also discussed additional funding for rental rehabilitation or neighborhood support grants. Commissioner Gukeisen moved to set a public hearing on December 16, 2009, at 5:30 p.m. at the Housing Conference Room. Commissioner Craddieth seconded. Roll call. All present in favor. Motion passed. Consolidated Planning Aggie reviewed with the Commission the priority needs for the FY11 -15 Consolidated Plan. Commissioner Gukeisen requested a comparison of existing and proposed priority needs. The Commission concurred that 17D (Other Commercial /Industrial Improvements) be a low priority and needs for persons with mental illness be a high priority. Aggie stated that the housing analysis prepared by Alta Vista Research will be incorporated into the Consolidated Plan. A draft of a Consolidated Plan is being prepared and will be presented to the Commission at future meeting. The Consolidate Plan is due to HUD by May 15. Information Sharing A 2010 meeting schedule was distributed with meetings now scheduled for the 3` Wednesday of the month. Commissioner Eddy stated that she would not be at the January 20, 2010 Commission meeting. Adjournment There being no further business to come before the Commission, Commissioner Eddy moved to adjourn. Commissioner Craddiethl seconded. Motion passed by voice vote. Meeting was adjourned at 6:10 p.m. Minutes taken by: K 's Neye Rehabilitation Specialist R espectfully submitted by: 7(2/ Aggie Tauke Community Development Specialist MINUTES OF COMMUNITY DEVELOPMENT ADVISORY COMMISSION MEETING DATE: December 16, 2009 TIME: 5:30 p.m. PLACE: Housing Conference Room, Suite 312 350 W. 6 Street, Dubuque, Iowa 52001 Chairperson Stubben called the meeting to order at 5:30 p.m. following staff assurance of compliance with Iowa Open Meeting Law. Commissioners Present: Hilary Stubben Theresa Caldwell Mike Gukeisen Ann Michalski Tom Wainwright Janice Craddieth Commissioner Absent: Paula Maloy, SVM Dave Shaw Staff Present: Aggie Tauke Kris Neyen Jerelyn O'Connor Joleen Patterson Certification of Minutes — December 2, 2009 Minutes were not available. Correspondence / Public Input None. Old Business None. David Harris New Business Public Hearing: FY11 CDBG Annual Action Plan Aggie Tauke reviewed the proposed FY11 Annual Action Plan and noted the contingency is now $90,077 due to budget department changes. She stated that the City Manager is recommending the $90,077 contingency be added to the First Time Homebuyer Program. Commissioner Michalski moved to open the public hearing. Commissioner Gukeisen seconded. Roll call. All present in favor. Motion passed. No public present, Commissioner Gukeisen moved to close the public hearing. Commissioner Michalski seconded. Roll call. All present in favor. Motion passed. Commissioner Gukeisen moved to approve the FY11 Annual Action as proposed with $90,077 being added to First Time Homebuyer Program. Commissioner Michalski seconded. Roll call. All present in favor. Motion passed. Consolidated Planning Aggie reviewed the difference between existing and proposed priority needs for the Consolidated Plan, which the Commission had requested at the last meeting. She stated outcomes and performance measures are being prepared for the new Consolidated Plan. Information Sharing Aggie stated that the next meeting will be January 6, 2010, at 5:30 p.m. Regular meetings are now scheduled for the 3rd Wednesday of the month. Aggie stated that there will may not be a January 20, 2010 meeting. Adjournment There being no further business to come before the Commission, Commissioner Gukeisen moved to adjourn. Commissioner Caldwell seconded. Motion passed by voice vote. Meeting was adjourned at 6:00 p.m. inute taken by: Kris Ne en Rehabili ,�.ti • n Specialist Respectfully submitted by: Ag i Tauke Community Development Specialist DATE: TIME: PLACE: Staff Present: Old Business None. MINUTES OF COMMUNITY DEVELOPMENT ADVISORY COMMISSION MEETING January 6, 2010 5:30 p.m. Housing Conference Room, Suite 312 350 W. 6 Street, Dubuque, Iowa 52001 Chairperson Stubben called the meeting to order at 5:30 p.m. following staff assurance of compliance with Iowa Open Meeting Law. Commissioners Present: Hilary Stubben Mike Gukeisen Ann Michalski Tom Wainwright Commissioner Absent: Dave Shaw Aggie Tauke Correspondence / Public Input None. Janice Craddieth Kris Neyen Char Eddy Paula Maloy, SVM Certification of Minutes —December 2 2009 and December 16 2009 Commissioner Wainwright moved to approve the minutes as submitted. Commissioner Eddy stated that the minutes should reflect that she was present. Commissioner Wainwright moved to approve with amendment as stated. Commissioner Michalski seconded. Roll call. All present in favor. Motion passed. Theresa Caldwell New Business Public Hearing Amendment to the FY2009 and FY2010 CDBG Annual Action Plans Aggie Tauke reviewed the amendment which reallocates funds from the prior FY09 Annual Plan into the FY10 Annual Plan and reprogram funds for existing and new program. Commissioner Michalski moved to open the public hearing. Commissioner Maloy seconded. Roll call. All present in favor. Motion passed. No public present to speak regarding this issue. Commissioner Gukeisen moved to close the public hearing. Commissioner Michalski seconded. Roll call. All present in favor. Motion passed. Commissioner Gukeisen moved to approve the Amendment to the FY09 and FY10 Annual Action Plan as submitted. Commissioner Michalski seconded. Roll call. All present in favor. Motion passed. Consolidated Plan FY11 -15 Aggie stated that she would have a draft to the Commission by the end of this month. She reviewed the schedule of meeting dates (February 3 and March 3, 2010) needed in order to review the Consolidated Plan and stated that regularly scheduled meetings for February and March would not be needed. Information Sharing Aggie stated that Opening Doors sent a note thanking the City for the CDBG funds they received for the Maria House and Teresa Shelter. Commissioner Michalski requested that the Commission receive a copy of the Section 8 study being performed. Commissioner Gukeisen stated that he would not be reapplying for the CD Commission. Aggie requested the Commissioners to seek out possible candidates. Adjournment There being no further business to come before the Commission, Commissioner Gukeisen moved to adjourn. Commissioner Eddy seconded. Motion passed by voice vote. Meeting was adjourned at 5:55 p.m. Minutes taken by: Kris Ney n Rehabilit Specialist Respectfully submitted by: Aggi Tauke Community Development Specialist DATE: February 3, 2010 TIME: 5:30 p.m. PLACE: Housing Conference Room, Suite 312 350 W. 6 Street, Dubuque, Iowa 52001 Chairperson Stubben called the meeting to order at 5:30 p.m. following staff assurance of compliance with Iowa Open Meeting Law. Commissioners Present: Hilary Stubben Ann Michalski Tom Wainwright Commissioner Absent: Staff Present: MINUTES OF COMMUNITY DEVELOPMENT ADVISORY COMMISSION MEETING Certification of Minutes — January 6, 2010 Commissioner Michalski moved to approve the minutes as submitted. Commissioner Wainwright seconded. Roll call. Shaw - asbtain. All present in favor. Motion passed. Correspondence / Public Input None. Old Business None. Mike Gukeisen Dave Shaw Char Eddy Janice Craddieth Paula Maloy, SVM Aggie Tauke Kris Neyen Jerelyn O'Connor Theresa Caldwell David Harris New Business Consolidated Plan FY2011 -2015 Aggie Tauke requested the Commission review the draft of the Consolidated Plan and set public hearing date. She stated that the Plan will also be reviewed at the Long Range Planning Commission meeting on February 17, 2010 and the Housing Commission meeting on February 23, 2010. Commissioner Michalski suggested that the Plan be forwarded to the Economic Development Department for review and suggest they attend the public hearing. The Commission reviewed the Plan with some minor suggestions being made. Commissioner Michalski suggested adding Hormel to the additional jobs portion of the report. Commissioner Gukeisen moved to set a public hearing for March 3, 2010. Commissioner Shaw seconded. Roll call. All present in favor. Motion passed. Analysis of Impediments to Fair Housing Aggie requested the Commission review and set a public hearing on the Analysis of Impediments to Fair Housing. Commissioner Gukeisen moved to set a public hearing for March 3, 2010. Commissioner Shaw seconded. Commissioner Michalski suggested the City test for Fair Housing and that the Human Rights Department provide Fair Housing education. Roll call. All present in favor. Motion passed. Information Sharing Aggie stated that the Housing & Community Development budget hearing is scheduled for February 16, 2010 at 6:30 p.m. in the Council Chambers. The Commission is invited to attend. Commissioner Shaw suggested a grant program for tenants wanting to improve their units, such as painting, carpet, etc. David Harris stated that staff would look into the possibility of providing such a program. The Commission thanked Commissioner Gukeisen for his 6 years of service on the Commission and wished him well. Adjournment There being no further business to come before the Commission, Commissioner Gukeisen moved to adjourn. Commissioner Wainwright seconded. Motion passed by voice vote. Meeting was adjourned at 6:35 p.m. Mi'nut t ken by: V ) ( 1 ( 1, Ktis Ne y n Rehabilitatiarf Specialist Respectfully submitted by: L i Ac gjf Tauke Community Development Specialist MINUTES OF COMMUNITY DEVELOPMENT ADVISORY, COMMISSION MEETING DATE: March 3, 2010 TIME: 5:30 p.m. PLACE: Housing Conference Room, Suite 312 350 W. 6 Street, Dubuque, Iowa 52001 Chairperson Stubben called the meeting to order at 5:30 p.m. following staff assurance of compliance with Iowa Open Meeting Law. Commissioners Present: Hilary Stubben Paula Maloy, SVM Dave Shaw Ann Michalski Tom Wainwright Janice Craddieth Commissioner Absent: Char Eddy Theresa Caldwell Staff Present: Correspondence / Public Input None. Old Business None. Record to show no public present. Aggie Tauke Kris Neyen Jerelyn O'Connor David Harris Certification of Minutes — February 3, 2010 Commissioner Wainwright moved to approve the minutes as submitted. Commissioner Shaw seconded. Roll call. Maloy- abstain. All present in favor. Motion passed. Commissioner Michalski reiterated that if absent, Commissioners are still allowed to vote on a motion, they just can't make the motion or second. New Business Public Hearing - Consolidated Plan FY2011 -2015 Commissioner Michalski moved to open the public hearing. Commissioner Shaw seconded. Roll call. All present in favor. Motion passed. Commissioner Michalski moved to close the public hearing. Commissioner Maloy seconded. Roll call. All present in favor. Motion passed. Aggie Tauke reviewed the letters from the Housing Commission and the Long Range Planning Commission recommending adoption of the Consolidated Plan and Analysis of Impediments to Fair Housing. Aggie also reviewed numerous charts that are incorporated in the Plan. Commissioner Michalski suggested additional agencies be contacted regarding the housing needs for persons with alcohol /other drug addictions. Commissioner Maloy moved to approve and forward the Consolidated Plan to the City Council. Commissioner Craddieth seconded. Roll call. All present in favor. Motion passed. Public Hearing — Analysis to Impediments to Fair Housing Commissioner Michalski moved to open the public hearing. Commissioner Maloy seconded. Roll call. All present in favor. Motion passed. Record to show no pubic present. Commissioner Michalski moved to close the public hearing. Commissioner Craddieth seconded. Roll call. All present in favor. Motion passed. Aggie stated that the Analysis of Impediments is not required to be submitted to HUD but is required to be completed in conjunction with the Consolidated Plan. Commissioner Wainwright moved to approve and forward the Analysis to Impediments to Fair Housing to City Council. Commissioner Shaw seconded. Roll call. Present in favor. Motion passed. Information Sharing David Harris stated that the Department was recently notified of receiving a $240,000 grant from I -Jobs to rehab the Washington Neighborhood row houses. He stated that they will be rehabbed and then sold for approximately $80,000 to new homebuyers. Aggie noted that the next meeting will be back to the regular schedule, which is April 21, 2010. Adjournment There being no further business to come before the Commission, Commissioner Craddieth moved to adjourn. Commissioner Maloy seconded. Motion passed by voice vote. Meeting was adjourned at 6:00 p.m. Minutes t,. ken by: Kris Neyen Rehabilitation pecialist Respectfully submitted by: Ag Tauke Community Development Specialist January 2010 Authored by: Kelly Larson, Human Rights Director Analysis of Impediments to Fair Housing ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING Overview of Study City of Dubuque Action Plan Purpose The purpose of the Analysis of Impediments to Fair Housing (Al) is to make sure that local communities are partners in affirmatively furthering fair housing. The purpose of the Fair Housing Act is to ensure that people are not denied housing opportunities because of their race, color, national origin, religion, sex, disability, or familial status. Fair housing impediments are those things that: 1) are done because of race, color, national origin, religion, sex, disability or familial status, or 2) have the effect of restricting available housing choices for people of a particular race, color, national origin, religion, sex, disability, or family status. Ultimately, the study should further the goal of making effective fair housing planning strategies a part of overall community planning and development. This includes ongoing efforts to: 1) analyze and eliminate discrimination; 2) promote fair housing choice; 3) provide opportunities for inclusive patterns of housing occupancy regardless of protected class status; 4) promote housing that is structurally accessible to and usable by all kinds of people, including those with disabilities; and 5) foster compliance with non - discrimination laws. Such steps should maximize peoples' ability to choose where to live, as the choice of where to live affects access to schools, jobs, and the ability to engage as an equal member of the community. The John Marshall Law School Fair Housing Legal Support Center completed an Al for Dubuque in 2001. In 2009, Alta Vista Research conducted an Al to identify the extent to which certain impediments identified in 2001 continue to exist and to identify additional potential impediments. They completed a Rental Property Survey (Appendix A), an Analysis of 2008 Home Mortgage Disclosure Act Data (Appendix B), and a Consolidated Population, Housing, and Market Analysis (Appendix C). In addition, in preparing this document we reviewed the 2009 Rental Market Overview for Dubuque, completed by Real Property Research Group for the Iowa Finance Authority (Appendix D). The Alta Vista study found that in general, women and African - American individuals are disproportionately represented in the homeless population in Dubuque in comparison to their general presence in the community. Consequently, programs to address homelessness have fair housing implications. The study also found that 60% of female single parents with children under the age of 5 are living below the poverty level. Similarly, 20% of people with a disability live below the poverty level, nearly 15% of the population of Dubuque is 65 or older, and 37% of the people in this age group have a disability and 26% of people in this age group live below the poverty level. Finally, four of the five most racially diverse census tracts are also among the top five tracts for the prevalence of poverty. The single most diverse census tract — Tract 1 with 16.5% minority population — is the most impoverished with a median family income of $33,300 and a 23.9% poverty rate. A minimum wage employee in Dubuque must work 61 hours a week in order to have a "housing wage" — one that does not require them to spend more than 30% of their income on housing costs. If the employee has a job that pays the estimated average wage of $10.28 per hour, they must work 43 hours a week to meet this "housing wage" threshold. Given these current demographics of the Dubuque community and the over - representation of protected class members amongst those living in poverty, many of the potential fair housing problems and impediments will be addressed by the Consolidated Plan and the numerous low- moderate income housing programs already being planned for the community. Impediments to Fair Housing in Dubuque A Lack of Diverse Stock of Accessible, Affordable Housing The first impediment identified in the 2001 study was the lack of a large stock of decent affordable housing in Dubuque. The 2001 study specifically recommended: 1) an increase in the development and preservation of decent, affordable and accessible housing, 2) an increase in the amount of accessible housing, and 3) support for the development of housing options for the more needy residents of Dubuque. Since 2001, the City has engaged in a series of public /private partnerships to improve the availability of accessible, affordable housing, including development of options for residents with low and moderate incomes. These projects included a single room occupancy development for low income women with special needs, Manasseh House. Two more projects not only were designed for low income residents, but also included accessibility features beyond bare minimum legal requirements and towards universal housing design. Those projects included the 759 Bluff renovation by Step by Step, Inc. and the Washington Court apartment complex by Gronen Restoration. A report on the Washington Court project, compiled by the University of Iowa Law School's Legal Clinic is included in Appendix E. The executive summary of this report was accepted for publication in the ABA Journal of Affordable Housing and Community Development. To an even greater degree, the 759 Bluff project includes a variety of universal design features including roll under counters and appliances, roll -in showers, etc. The project is the subject of a video on Universal Housing Design, which can be viewed at www .cityofdubuque.orq /humanrights. The project and video have been used throughout the community to raise awareness of the value of universal housing design. In addition, the City of Dubuque in 2008 added a specialized inspector position in the Building Services Department to focus specifically on building accessibility. This inspector conducts plan reviews for new multi - family housing in Dubuque to evaluate compliance with the Fair Housing Act and also educates the community on the benefits of accessible design. Despite the work that has been accomplished in this area, it appears that the need for decent affordable accessible housing remains. First, the Rental Market Overview prepared for the Iowa Finance Authority indicates that, with the addition of 1,300 jobs at IBM and the anticipated demographic changes that will follow, there will be an increased need for a diverse stock of affordable market rate housing. According to the IFA study, quality market rate housing, which is also affordable, is limited in the City, particularly downtown. Given the anticipated IBM - related household growth, income restricted units alone will not meet the needs — modern, high quality, market rate, multi - family rental communities are needed. Second, according to the study by Alta Vista Research, low income female headed households will continue to rely on subsidized rental housing options, with 60% of female single parents with children under the age of 5 living in poverty. Overall, 77% of families below the poverty level live in renter occupied housing, and nearly 40% of renter - occupied units house families who are spending more than 30% of their income on housing costs. In addition, 20% of people with disabilities live at the poverty level, and 37% of the population age 65 and older has disabilities. Two thirds of the City's housing stock is forty years old or older, lacking accessibility features and modern amenities that many households have come to expect. Alta Vista suggests that it is likely Dubuque will continue to experience an increase in single - parent households, an aging population, and those seeking housing alternatives. Alta Vista also discusses the need for new rental housing and renovations that provide a greater variety of options to meet diverse needs of residents, including reducing the number of renter occupied units that have undesirable features like inadequate plumbing or kitchen facilities (currently nearly 40% of rental units have undesirable features), and increasing the number of units with designs and features that are more user friendly for people with disabilities. A Limited Number of Minority Role Models The second impediment identified in 2001 was that Dubuque is an environment where there are few minorities to serve as role models. The study specifically recommended: 1) efforts to increase and retain the number of new residents in the community, and 2) efforts to increase the number of qualified minorities in positions of prominence in the community. r Since 2001, the City of Dubuque embarked on a variety of efforts to address these concerns. The City recognized that succeeding at the recommended actions would first require the creation of a climate where people of diverse backgrounds are valued and included. The City Council allocated more than $60,000 over a three year period to undertake an Intercultural Competence Initiative. This initiative involved hiring a consultant who worked with a broad range of City staff to: 1) assess the current climate of the organization; 2) provide a report and recommendations for improving the recruitment and retention of diverse candidates in particular; and 3) develop the capacity of the City organization to continue working towards a more inclusive work environment. The latter step included 90 hours of "train- the - trainer" work with training team and a steering team members. The training team and subcommittees continue to provide intercultural training opportunities and skills reminders for City staff throughout the organization. The steering team continues to evaluate the culture of the organization and recommend changes to policies and procedures that are likely to lead to more effective recruiting and retention of employees of various backgrounds. The City also has hired a full -time Training and Workforce Development Coordinator to coordinate the ICC effort. The City also has been actively involved in recruiting IBM to locate in the community, bringing 1300 living wage jobs and an increasingly diverse workforce to the community. Because Dubuque has a disproportionate number of people in protected classes living in poverty, particularly African - Americans, it is critical that more middle -class minorities locate and remain in Dubuque to counteract negative assumptions and stereotypes. To assist in this regard, the City has partnered with others in the community to create Dubuque Works — a program with specific marketing and welcoming components for new residents who move to the community to join the workforce. The City also recognizes its obligation to work with community members in poverty to support them in reaching their potential. Because a disproportionate number of those in poverty are in various protected classes (African- Americans, families with children, people with disabilities), and because income and employment directly affect housing opportunity, these efforts have fair housing implications. Consequently, the City partners in Project H.O.P.E. (Helping Our People Excel). Project H.O.P.E. is focused on connecting the unemployed and underemployed to community resources and supports various programs that have a particular focus on improving employment skills for people in poverty, people with disabilities, and ex- offenders. The City also recognizes the cultural barriers many residents face in the community and has allocated significant funding to the Multicultural Family Center, including renovating the facility, hiring a full -time director, and part -time assistant director. The Multicultural Family Center works to foster a welcoming Dubuque built on a foundation of understanding and collaboration across racial, ethnic, and socioeconomic differences, and is committed to producing engaged families and community members. The Center serves as an inviting and safe place for community members, stimulates connections, provides programs to foster civic engagement and social and economic success, and works to build unity out of diversity. There has been a demographic shift occurring since the 2001 study. The American Communities Survey estimates that from 2000 to 2005/2007, there was a 72.3% increase (from 700 to 1,206) in the number of African American residents, a 48.5% increase (from 390 -579) in the number of Asian residents, a 43% increase (from 553- 791) in the number of community members of two or more races, and a 23.1 % increase (from 911 to 1,121) in the Hispanic population. In addition, minority community members (as discussed earlier in this report) are disproportionately represented in the lower income levels. Consequently, the impediment identified in 2001 remains, and it is critical that the City continue the efforts listed above in order to improve retention of new community members and development of minority role models in positions of prominence in the community. The Perception that Dubuque is not a Welcoming and Inclusive Community for Minorities The third impediment identified in 2001 was the perception that Dubuque is not a hospitable community for outsiders and particularly minorities to locate. The study specifically recommended: 1) working to improve the image of Dubuque as a diverse community both internally and externally; 2) expanding fair housing enforcement by expanding the classes protected by the Human Rights ordinance; and 3) increasing positive interaction amongst diverse populations in housing and employment. Since 2001, the City has engaged in the numerous activities discussed under the preceding impediment to improve the image and the reality of Dubuque. In addition, the City has amended its fair housing ordinance to include sexual orientation and gender identity. The City also began offering domestic partner benefits to its employees even before the Iowa Supreme Court's marriage equality ruling. As part of the City's ICC initiative, the City has created the "Diverse Dubuque" web page, which markets the City's commitment to creating a diverse and inclusive environment. In addition, Dubuque Works has the Distinctively Dubuque program, which is a welcoming program for new community members to connect them to one another and to the Dubuque community as a whole. The Human Rights Department also has created a Speakers' Bureau. This Bureau consists of community volunteers of various backgrounds who are willing to speak to groups regarding their experiences as a minority in Dubuque. The goal of the Speakers' Bureau is to build dialogue and understanding, thus increasing positive interaction amongst diverse members of the community. Current speakers focus on their experiences of race, sexual orientation, disability, and national origin in the Dubuque community. Finally, the City's ICC training efforts are focused on improving dialogue and understanding across cultural differences. By training people how to recognize cultural differences that may lead to misunderstanding, the ICC efforts are helping to improve communication and understanding across diverse groups, thus improving positive interactions. As indicated above, the Alta Vista study indicates that given the recent demographic changes, this impediment remains and it is critical that the above actions be continued. In addition, the swift demographic changes that have been experienced, the correlation between race and poverty, and a recent series of violent crimes committed by African American males has led to a demonstrable increase in fear and racial tension. Thus, efforts to reduce this tension and foster increased positive interactions are imperative. The Failure of Victims of Housing Discrimination to File Complaints and the Absence of a Deterrent for Subtle Housing Discrimination The fourth impediment identified in 2001 was the failure of victims of housing discrimination to file complaints. The study specifically recommended: 1) expansion of fair housing enforcement by having the Human Rights Commission file commission - originated complaints when warranted; and 2) expansion of the education and outreach program of the human rights commission. Since 2001, the Human Rights Department has added a full -time staff member to assist with investigations and educational efforts. The Department also undertook an accessibility audit of multi - family housing, resulting in a series of commission - initiated complaints and resulting conciliation agreements. On the education side, the Department has created a fair housing video, and that video is shown to all new Section 8 rental recipients as they attend their briefings. These individuals also are given a copy of the Department's Fair Housing booklet. Staff has also generally increased fair housing outreach. There has been limited change in fair housing complaint filings, and most filings have resulted in settlements or findings of no probable cause. The Department does currently have a fair housing case involving sexual harassment of women with disabilities in district court and will continue to vigorously pursue the case. The fifth impediment identified in 2001 was the related impediment of a lack of an effective deterrent for those who engage in subtle forms of housing discrimination. The study specifically recommended: 1) establishment of a fair housing testing and education program; and 2) establishing a fair housing audit and enforcement program. The City has not undertaking a housing testing or audit program other than the accessibility audit mentioned above and an audit of Condominium Association by -laws for facial violations. The lack of a formal housing testing program remains an impediment to fair housing in Dubuque. Without a testing or audit program, it is impossible to know whether or not subtle housing discrimination is occurring in Dubuque. The Limited Amount of Minority Homeownership The final impediment identified in 2001 was the small number of minority homeowners in Dubuque. The study specifically recommended: 1) an increase in minority home ownership; 2) guarding against predatory lending practices; and 3) an increase in awareness of lending issues facing Dubuque. Since 2001, the Housing and Human Rights Departments have engaged in various outreach and education initiatives with local lending institutions. The Housing Department drafted fair lending guidelines and accompanying certifications for lenders participating in City programs, designed to limit abuse lending terms in City- sponsored programs. Both departments also worked with lenders to sponsor a home -buyer seminar with a special emphasis on minority outreach and predatory lending education. One third of the thirty participants were minorities. In addition, the Housing Department continues to offer mod -rehab loans and homebuyer incentives in the Washington Neighborhood, the most racially diverse neighborhood in the community. The current study by Alta Vista Research indicates that the single greatest reason for denial of home purchase loans, regardless of race, ethnicity, etc, was credit history. Denial rates are greatest for applicants in the low income categories regardless of other factors such as race. Denial rates are more than twice as high for the lowest income applicants (16.4% compared to 5.7% for other income categories combined). However, individuals in the lowest income categories still are more often than not able to secure a home purchase loan, but securing that loan is more difficult than for others. Applicants at less than 50% of the median income had 75.5% origination rates, with denial rate of 16.4 %. This compares to 84% origination rate and 8.5% denial for 50 -79% median income; 87% origination and 4.5% denial for 80 -99% median income; 87% origination and 3.4% denial at 100 - 119% median income. HMDA data also indicates that there is limited number of non -white applicants for home purchase loans, meaning that there is a continuing need for education, awareness, outreach, and credit counseling. During 2008, not a single African American sought a conventional home purchase loan. Other minorities accounted for 2.3% of the applications, or 27 applications. Of those, 20 were originated and three were approved but not accepted by the borrower. The Alta Vista study noted that mortgage lending in two of the most critical census tracts — 1 and 5 — have fallen from past levels and face higher than average denials in home purchase loans as well as significantly higher denial rates for refinances and home improvement. Census tracts 1 and 5 have the greatest income pressures and are key areas of concern for housing affordability and lending. These are also most diverse, with an estimated 17% and 7% minority population respectively. During 2008 there was a high number of people trying to refinance and denial rates on refinances were 24% across the city, with a denial rate of 45% in Census tract 5. Alta Vista was unable to offer any conclusions regarding underlying reasons for the denials in these high minority areas, though the correlation with both poverty and race in those areas was noted. Alta Vista recommends reaching out to low income households to educate and assist with overcoming the most common mortgage lending obstacles, with a particular focus on reaching minority families with information about the range of available home loan options. In addition, given the disproportionate number of protected class members living in poverty, assisting the unemployed and underemployed through activities like Project HOPE remains a priority. Finally, with the high number of people in poverty in census tracts 1 and 5, efforts to promoted mixed - income homeownership in those areas is critical. OBJECTIVE ACTIVITIES DEPARTMENT RESPONSIBLE TIME FRAME A. Increase the development and preservation of decent, affordable and accessible housing. 1. Encourage the development of high quality, market rate multi - family rental communities. 2. Reduce the number of rental properties with undesirable features through improved code enforcement and rehabilitation assistance. Economic Development Housing & Human Rights Ongoing B. Increase the amount of accessible housing and housing with universal design features. 1. Encourage inclusion of accessibility and universal design features in all new and renovated housing, even if not legally mandated, including in the Historic District. Economic Development Housing g Human Rights Ongoing C. Support the development and disbursement of housing options for the more needy residents of Dubuque. q 1. Provide strong, positive leadership when new developments are challenged by neighbors in the developing areas. 2. Encourage disbursement of developments to avoid concentrations of poverty. 3. Apply for HUD rent - exceptions to allow those with Section 8 rental assistance access to a broader range of units throughout the community. 4. Encouraged mixed income housing units in the Historic Millwork District. Housing Planning Economic Development Ongoing Fair Housing Action Plan for City of Dubuque Impediment No.1 — The Lack of a Diverse Stock of Accessible Affordable Housing Dispersed Throughout Dubuque OBJECTIVE ACTIVITIES DEPARTMENT RESPONSIBLE TIME FRAME A. Increase and retain the number 1. Continue to attract new residents by increasing the Economic Ongoing of new residents in the community. economic base of the community. Development 2. Welcome and connect new residents of all backgrounds through the Distinctively Dubuque program and the Multicultural Family Center. Leisure Services Ongoing 3. Support the efforts of Dubuque Works and encourage a specific focus on attracting and retaining a diverse workforce. Human Rights, City Manager Ongoing Fair Housing Action Plan for City of Dubuque Impediment No.2 — An Environment Where There are Few Minorities to Serve as Role Models 0 0 r-1 N h C O E w O ..r a d o gn Q w O 4 ..r U OBJECTIVE ACTIVITIES DEPARTMENT RESPONSIBLE TIME FRAME A. Continue to work to improve the image of Dubuque as a diverse community both internally and externally 1. Support the work of the Multicultural Family Center. Leisure Services Ongoing B. Increase positive interaction amongst diverse populations in housing and employment, with a particular focus on reducing racial tension. 1. Welcome and connect new residents of all backgrounds through the Distinctively Dubuque program and the Multicultural Family Center. 2. Support cross - cultural events at the Multicultural Family Center 3. Continue the Speakers' Bureau 4. Continue the City's ICC efforts, including training initiatives Leisure Services, City Manager Leisure Services Human Rights Human Rights Personnel Ongoing Ongoing Ongoing Ongoing Fair Housing Action Plan for City of Dubuque Impediment No.3 — The Perception That Dubuque is not a Welcoming and Inclusive Community for Outsiders and Particularly Minorities to Locate OBJECTIVE ACTIVITIES DEPARTMENT RESPONSIBLE TIME FRAME A. Continue and expand the education and outreach program of the Human Rights Commission 1. Distribute brochures and market fair housing at City Expo. 2. Continue media outreach on fair housing issues. 3. Continue use and distribution of Fair Housing video and Guide. Human Rights Human Rights Human Rights Every April Every April Ongoing B. Establish a fair housing audit or testing program 1. Human Rights Commission to investigate whether to recommend that City Council establish a fair housing testing program and, if so, under what circumstances. Human Rights 2011 C. Take strong enforcement action in fair housing cases where there has been a finding of probable cause. 1. Pursue current case involving sexual harassment of women with disabilities that is pending in district court. Legal Dept. 2010 Fair Housing Action Plan for City of Dubuque Impediment No.4 — The Failure of Victims of Housing Discrimination to File Complaints and the Absence of a Deterrent for Subtle Discrimination OBJECTIVE ACTIVITIES DEPARTMENT RESPONSIBLE TIME FRAME A. Increase minority home ownership 1. Encourage active outreach and marketing to minority community regarding the range of available products and the availability of assistance. Housing Human Rights Ongoing B. Promote mixed income homeownership in the most diverse census tracts 1. Continue the Washington Neighborhood Revitalization efforts and home purchase incentives. Housing Ongoing Fair Housing Action Plan for City of Dubuque Impediment No.5 - The Small Number of Minority Home Owners in Dubuque 0 Appendix A - Insert Rental Property Housing Impediments RESEARCH When you need to know! Rental Property Housing Impediments Prepared for Dubuque Human Rights Commission September 2009 Objectives of Study • Provide an overview of the rental housing market in the City of Dubuque • Assess satisfaction with rental market in DBQ • Determine impediments to renters finding suitable housing • Document accessibility concerns of renters with physical disabilities Study Design • Survey of 300 renters living in zip code areas 52001 (75.7 %), 52002 (17.0 %), & 52003 (7.3 %) - A total of 603 people resided in the households surveyed • Respondents self- indicated as household members familiar with terms of rental agreement Fielding • Survey conducted by telephone • Fielded 38 -item interview schedule from July 31 to August 4 • Average length of survey slightly less than 10 minutes Type of Housing Unit Over half of the sample live in apartments. 18% are in single family homes and nearly 20% in duplexes. n =300 Q1: What type of housing do you currently live in? Is it a single family dwelling, a duplex, an apartment in a multiple unit building, or a mobile home? • Single Family Dwelling • Duplex • Apartment • Mobile Home Other 5 Number of bedrooms Seventy -five percent of respondents lived in one or two bedroom homes. n =300 Q2: How many bedrooms are in your rental unit? 6 Number of People in Household n =300 Q30: How many people, adults and children, currently live in your household? • Half of the respondents lived in single - person households. 7 Number of Children Under 18 in Household n =300 2% Q31: How many members of your household are children under the age of 18? • A majority of the respondents did not have children living in their home. • 0 • 1 • 2 • 3 4+ 8 Rental Costs n =300 45% - 40% - 35% - 30% - 25% - 20% - 15% - 10% - 5% - 0% 3% 16.3% $0 -$199 $200 -$299 Q9: What is your current monthly rent? 40% 19.7% $400 -$599 $600 -$799 5.3% 3.7% $800 -$999 $1000+ • Most rental amounts were $600 or less. 12% DK/NA 9 Amount of Deposit n =300 40% - 35% - 30% - 25% - 20% - 15% - 10% - 5% - 0% 7% 17.7% 33.7% 17% 4.3% 5% 15.3% $0 -$199 $200 -$299 $400 -$599 $600 -$799 $800 -$999 $1000+ DK/NA Q10: How much was the rental deposit for your current rental unit? RESEARCH A LTAVI S TA 10 Section 8 Housing Assistance A majority of the respondents did not receive Section 8 assistance. n =300 Q 12: Does your household receive Section 8 rental assistance? ■ Yes • No • DK/NA 11 Amenities in Rental Unit: Kitchen Appliances Most rental units had a majority of kitchen appliances supplied. n =300 Q3: I'm going to read off a number of standard rental units amenities. Please indicate which ones are provided by your landlord: Majority of kitchen appliances ■ Yes • No 12 Amenities in Rental Unit: Laundry Over half of rental units had laundry facilities. n =300 Q4: I'm going to read off a number of standard rental units amenities. Please indicate which ones are provided by your landlord: Laundry Facilities •Yes No 13 Amenities in Rental Unit: Air Conditioning Sixty -five percent of units had air - conditioning. n =300 Q5: I'm going to read off a number of standard rental units amenities. Please indicate which ones are provided by your landlord: Air Conditioning Units • Yes • No 14 Amenities in Rental Unit: Off - street Parking A majority of the rental units had off - street parking available. n =300 Q6: I'm going to read off a number of standard rental units amenities. Please indicate which ones are provided by your landlord: Off - street parking • Yes • No 15 Amenities in Rental Unit: Elevator Most rental units did not have elevators. n =300 Q7: I'm going to read off a number of standard rental units amenities. Please indicate which ones are provided by your landlord: Elevator • Yes • No 16 Amenities in Rental Unit: Some or All Utilities Most rental units did not supply utilities like gas or electric. n =300 Q8: I'm going to read off a number of standard rental units amenities. Please indicate which ones are provided by your landlord: Some or all utilities (such as gas or electricity) ■ Yes • No 17 Physical Disabilities Most of the households did not have members who were physically disabled. n =300 Q13: Do any members of your household have physical disabilities that limit movement and /or performing everyday activities? • Yes No 18 N umber of People With Disabilities in the H ouseholds Surveyed Only19% of the respondents surveyed had two people with disabilities in their home. n =62 Q14: How many members of your household have physical disabilities? . 1 . 2 19 Satisfaction of Rental Unit for those with Disabled Persons in Household n =62 Not Very Satisfied Somewhat Satisfied Very Satisfied 6.5% • 0.00% 30.6% 62.9% 50.00% 100.00% • Very Satisfied Somewhat Satisfied • Not Very Satisfied Q15: On a scale of 0 -10 indicating not satisfied at all and 10 indicating extremely satisfied, how satisfied are you with accessibility and usability of your rental unit for members of your household who have physical disabilities? Most respondents who had disabled members of their households were very satisfied with the accessibility and usability of their rental unit. 20 How could it be improved? • 'IMPROVE THE SIZE OF MY SHOWER AND BATHTUB DUE TO MY DISABILITIES" • "RAMP FOR WHEELCHAIRS, AND A BEDROOM AND BATHROOM ON THE MAIN FLOOR" • "LIGHTING SHOULD BE BETTER BECAUSE MY DAUGHTER IS LEGALLY BLIND" How could it be improved? • "THERE ARE HUMPS ON THE FLOOR" • "WE WOULD NEED LARGER DOORWAYS AND BATHROOMS" • "LANDLORD NEEDS TO COME AND FIX THE BROKEN THINGS THAT NEED TO BE FIXED. THERE IS A NEED TO MAKE SURE THAT SECTION EIGHT IS DOING A BETTER JOB IN APPROVING THE BUILDINGS THEY IMPROVE." Important Factors in Choosing Housing: Location n =300 Not Very Important Somewhat Important Very Important 4.3% Ilw 17% 78.7% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0% Q17: Many factors go into the decision to rent a particular housing unit, including cost, location, size, variety of rental options to choose from, and overall condition of the unit. On a scale of 0 to 10 with 0 indicating not important at all and 10 indicating extremely important, , how important are each of the following in your selection of a rental unit: Location A LTAVI S TA RESEARCH 23 Important Factors in Choosing Housing: Size n =300 Not Very Important Somewhat Important Very Important 5.3% 18% 76.7% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0% Q18: Many factors go into the decision to rent a particular housing unit, including cost, location, size, variety of rental options to choose from, and overall condition of the unit. On a scale of 0 to 10 with 0 indicating not important at all and 10 indicating extremely important, , how important are each of the following in your selection of a rental unit: Size A LTAVI S TA RESEARCH 24 Important Factors in Choosing Housing: Cost n =300 Not Very Important Somewhat Important Very Important 2.7% 14.7% 82.7% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0% Q19: Many factors go into the decision to rent a particular housing unit, including cost, location, size, variety of rental options to choose from, and overall condition of the unit. On a scale of 0 to 10 with 0 indicating not important at all and 10 indicating extremely important, , how important are each of the following in your selection of a rental unit: Cost A LTAVI S TA RESEARCH 25 Important Factors in Choosing Housing: Overall Condition n =300 Not Very Important Somewhat Important Very Important 2.7% 7.3% 90.0% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0% 100.0% The overall condition was the most important factor when people were choosing a home. Q20: Many factors go into the decision to rent a particular housing unit, including cost, location, size, variety of rental options to choose from, and overall condition of the unit. On a scale of 0 to 10 with 0 indicating not important at all and 10 indicating extremely important, how important are each of the following in your selection of a rental unit: Overall condition 26 Satisfaction with current rental unit: Location n =300 Not Very Satisfied Somewhat Satisfied Very Satisfied 5.7% 13.3% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% Q21: On a scale of 0 to 10 with 0 indicating not satisfied at all and 10 indicating extremely satisfied, how satisfied are you with each of the following about your current rental unit: Location 81% 27 Satisfaction with current rental unit: Size n =300 Not Very Satisfied Somewhat Satisfied Very Satisfied 4% 12.3% 83.7% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0% Q22: On a scale of 0 to 10 with 0 indicating not satisfied at all and 10 indicating extremely satisfied, how satisfied are you with each of the following about your current rental unit: Size 28 Satisfaction with current rental unit: Cost n =300 Not Very Satisfied Somewhat Satisfied Very Satisfied 6.3% ir 16% 77.7% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0% Q23: On a scale of 0 to 10 with 0 indicating not satisfied at all and 10 indicating extremely satisfied, how satisfied are you with each of the following about your current rental unit: Cost 29 Satisfaction with current rental unit: Overall Condition n =300 Not Very Satisfied Somewhat Satisfied Very Satisfied 5.3% 17.3% 77.3% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0% Q24: On a scale of 0 to 10 with 0 indicating not satisfied at all and 10 indicating extremely satisfied, how satisfied are you with each of the following about your current rental unit: Overall condition 30 Satisfaction with Variety of Rental Units Available n =300 Not Very Satisfied Somewhat Satisfied Very Satisfied 21% 33% 46% 0% 10% 20% 30% 40% 50% Q25: Using the same 10 -point satisfaction scale, how satisfied were you with the variety of rental options available when you chose your current rental unit? There was some variation with people's satisfaction regarding the variety of rental units. The mean response was 6 which is in the satisfied range. A LTAVI S TA RESEARCH 31 Why Dissatisfied? Condition • "THEY WEREN'T NICE ENOUGH FOR MY DOG TO LIVE IN." • "THE RENTAL PROPERTY IS TRASHED. I HAD TO CLEAN IT WHEN I MOVED IN." • "THEY WERE ALL EXTREMELY DIRTY AND OUTDATED. THIS WAS THE ONLY ONE I WAS NOT AFRAID TO TOUCH THE FLOOR." • "THE HOUSES WE WANTED WERE NOT IN A GOOD CONDITION." • "MANY UNITS ARE NOT CLEAN. THEY ARE NOT IN GOOD CONDITION OVERALL." Why Dissatisfied? Location • "I AM DISSATISFIED WITH THE LOCATION." • "THEY WERE IN CRAPPY NEIGHBORHOODS. I DIDN'T FEEL SAFE IN THE NEIGHBORHOOD WHILE RAISING MY CHILDREN." • "I WAS DISSATISFIED BECAUSE OF THE LOCATION AND THEIR REACTIONS WHEN THEY FOUND OUT THAT MY HUSBAND WAS BLACK." • "IT WAS HARD TO FIND SOMETHING IN THE LOCATION I WANTED THAT HAD ALL OF THE SERVICES THAT I NEEDED." • "I AM DISSATISFIED WITH THE LOCATION OF APARTMENTS." A LTAVI S TA RESEARCH Satisfaction with Current Rental Unit n =300 Not Very Satisfied Somewhat Satisfied Very Satisfied 5.3% 14.7% 80% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% Q27: On a scale of 0 to 10 with 0 indicating not satisfied at all and 10 indicating extremely satisfied, overall, how satisfied are you with your current rental unit? 34 Importance /Satisfaction Gaps The greatest negative gaps include the Cost and Condition of the rental unit. The variety of options available (choices) is relatively low at 6.1, considerably lower than other satisfaction scores. Importance Satisfaction Gap Location 8.04 8.27 0.22 Size 7.77 8.26 0.49 Cost 8.36 7.89 (0.47) Condition 8.55 7.86 (0.69) Variety - 6.10 - Overall Unit - 7.98 - Importance /Satisfaction Gaps The greatest negative gaps include the Cost and Condition of the rental unit. The variety of options available (choices) is relatively low at 6.1, considerably lower than other satisfaction scores. What Would They Change? • THE CONDITION IS NOT REALLY WORTH IT. • THE ONE THING THAT I WOULD LIKE TO CHANGE IS THE QUALITY. IT NEEDS A LOT OF REPAIRS. • I WOULD LIKE TO SEE A LOT OF REPAIRS AND SOME PAINTING DONE. THE CARPET IS FALLING APART AND THINGS LIKE THAT. IT NEEDS GENERAL MAINTENANCE. • THE THINGS THAT NEED TO BE REPAIRED DON'T GET REPAIRED. MY LANDLORD DOESN'T COME TO FIX THINGS THAT NEED TO BE REPAIRED. • WE HAVE TO CALL SOMEONE IF WE NEED SOMETHING DONE. WHEN I HAD A WATER LEAK, IT TOOK ME SEVEN MONTHS TO GET IT FIXED. • I WOULD LIKE TO CHANGE THE LOCATION. Racial Composition of Households There were a total of 603 people in all the households surveyed. Most in this sample identified as Non - Hispanic Caucasian. n =300 0.7% Q32 -37: How many people in your household are members of the following groups: Non - Hispanic Caucasian; African American; Latino /Hispanic /Spanish origin; Asian American /Pacific Islander; American Indian or Alaska Native; Other? • Non - Hispanic Caucasian (white) • African American • Latino/Hispanic/Spanish origin • Asian American /Pacific Islander American Indian or Alaskan Native • Other 37 Type of Unit 52001 52002 52003 Single Family Dwelling 20.3% (46) 9.8% (5) 13.6% (3) Duplex 21.6% (49) 15.7% (8) 4.5% (1) Apartment 54.2% (123) 68.6% (35) 68.2% (15) Mobile Home 1.3% (3) 0 9.1% (2) Other 2.6% (6) 5.9% (3) 4.5% (1) Total 100% (227) 100% (51) 100% (22) Cross - tabulations by Zip Code: Housing Type Most of the respondents were in the 52001 zip code. In each zip code, apartments were the most common housing type. n =300 x 2 = 17.883 p= .05 38 Rent Amount 52001 52002 52003 $00 — $199 3.5% (7) 2.2% (1) 4.8% (1) $200 - $399 23.7% (47) 4.4% (2) 0 $400 - $599 48% (95) 28.9% (13) 57.1% (12) $600 - $799 17.2% (34) 46.7% (21) 19% (4) $800 - $999 4.5% (9) 13.3% (6) 4.8% (1) $1000+ 3% (6) 4.4% (2) 14.3% (3) Total 100% (198) 100% (45) 100% (21) Cross - tabulations by Zip Code: Rent Amount The differences between these zip codes in terms of the amount of rent paid were statistically significant. n =300 12% (36) DK/NA X 40.424 p= .000 39 Section 8 52001 52002 52003 Yes 21.1% (48) 5.9% (3) 0 No 68.3% (155) 84.3% (43) 81.8% (18) DK /NA 10.6% (24) 9.8% (5) 18.2% (4) Total 100% (227) 100% (51) 100% (22) Cross - tabulations by Zip Code: Section 8 Most of those receive Section 8 assistance lived in the 52001 zip code. n =300 X 12.683 p= .01 40 Satisfaction with Current Rental Unit 52001 52002 52003 Extremely Satisfied 77.1% (175) 90.2% (46) 86.4% (19) Satisfied 16.7% (38) 5.9% (3) 13.6% (3) Not Satisfied At All 6.2% (14) 3.9% (2) 0 Total 100% (227) 100% (51) 100% (22) Cross - tabulations by Zip Code: Satisfaction with Current Rental Unit n =300 No statistical significance 41 Income 52001 52002 52003 $24,999 and below 65.6% (149) 39.2% (20) 50% (11) $25,000 - $49,999 21.6% (49) 31.4% (16) 31.8% (7) $50,000 - $74,999 6.6% (15) 19.6% (10) 9.1% (2) $75,000- $99,999 2.2% (5) 3.9% (2) 0 $100,000 and above 1.3% (3) 5.9% (3) 0 DK /NA 2.6% (6) 0 9.1% (2) Total 100% (227) 100% (51) 100% (22) Cross - tabulations by Zip Code: Household Income Of those living in 52001, most earned $24,999 and below. n =300 x 2 = 25.980 p= .01 42 Housing Type $24,999 and below $25,000- $49,999 $50,000- $74,999 $75,000- $99,999 $100,000 and above DK /NA Single Family Dwelling 19.4% (35) 12.5% (9) 3.7% (1) 42.9% (3) 50% (3) 37.5% (3) Duplex 17.2% (31) 20.8% (15) 22.2% (6) 28.6% (2) 16.7% (1) 37.5% (3) Apartment 60.6% (109) 61.1% (44) 59.3% (16) 14.3% (1) 16.7% (1) 25% (2) Mobile Home 1.1% (2) 1.4% (1) 7.4% (2) 0% 0% 0% Other 1.7% (3) 4.2% (3) 7.4% (2) 14.3% (1) 16.7% (1) 0% Total 100% (180) 100% (72) 100% (27) 100% (7) 100% (6) 100% (8) W Cross - tabulations by Income: Housing Type Most people making under $74,999 lived in apartments. People earning more than $75,000 were slightly more likely to live in a single family dwelling. x 35.273 p= .05 RESEARCH ( 43 Satisfaction with Accessibility $24,999 and below $25,000- $49,999 $50,000- $74,999 $75,000- $99,999 $100,000 and above DK /NA Extremely Satisfied 59.2% (29) 71.4% (5) 75% (3) 0 0 100% (2) Satisfied 32.7% (16) 28.6% (2) 25% (1) 0 0 0 Not Satisfied At All 8.2% (4) 0 0 0 0 0 Total 100% (49) 100% (7) 100% (4) 0 0 100% (2) Cross - tabulations by Income: Satisfaction with Accessibility n =62 No statistical significance 44 Satisfaction $24,999 $25,000- $50,000- $75,000- $100,000 DK /NA with and $49,999 $74,999 $99,999 and above Variety of below Rental Units Extremely 50% (90) 48.6% (35) 33.3% (9) 14.3% (1) 16.7% (1) 25% (2) Satisfied Satisfied 31.7% (57) 38.9% (28) 29.6% (8) 42.9% (3) 0 37.5% (3) Not Satisfied 18.3% (33) 12.5% (9) 37% (10) 42.9% (3) 83.3% (5) 37.5% (3) At All Total 100% 100% (72) 100% (27) 100% (7) 100% (6) 100% (8) (180) WAR Cross - tabulations by Income: Satisfaction with Variety of Rental Units n =300 x 2 = 28.4 p= .01 45 Parking Single Family Dwelling Duplex Apartment Mobile Home Other Yes 77.8% (42) 55.2% (32) 80.3% (139) 100% (5) 90% (9) No 22.2% (12) 44.8% (26) 19.7% (34) 0 10% (1) Total 100% (54) 100% (58) 100% (173) 100% (5) 100% (10) Cross - tabulations by Rental Type: Parking n =300 x 2 = 18.143 p= .001 46 Rent Single Family Dwelling Duplex Apartment Mobile Home Other $00 - $199 2% (1) 2% (1) 3.3% (5) 50% (2) 0 $200 - $399 16.3% (8) 15.7% (8) 21.2% (32) 0 11.1% (1) $400 - $599 28.6% (14) 49% (25) 50.3% (76) 25% (1) 44.4% (4) $600 - $799 30.6% (15) 31.4% (16) 15.9% (24) 25% (1) 33.3% (3) $800 - $999 14.3% (7) 2% (1) 5.3% (8) 0 0 $1000+ 8.2% (4) 0 4% (6) 0 11.1% (1) Total 100% (49) 100% (51) 100% (151) 100% (4) 100% (9) Cross - tabulations by Rental Type: Rent Amount Apartments made up the lower rental prices more frequently than other housing types. n =264 X 52.384 p= .000 RESEARCH 47 Satisfaction with Accessibility Single Family Dwelling Duplex Apartment Mobile Home Other Extremely Satisfied 53.8% (7) 50% (6) 70.6% (24) 100% (1) 50% (1) Satisfied 38.5% (5) 50% (6) 20.6% (7) 0 50% (1) Not Satisfied At All 7.7% (1) 0 8.8% (3) 0 0 Total 100% (13) 100% (12) 100% (34) 100% (1) 100% (2) Cross - tabulations by Rental Type: Satisfaction with Accessibility n =62 No statistical significance 48 Satisfaction with Variety of Rental Units Single Family Dwelling Duplex Apartment Mobile Home Other Extremely Satisfied 33.3% (18) 29.3% (17) 55.5% (96) 60% (3) 40% (4) Satisfied 37% (20) 36.2% (21) 31.2% (54) 20% (1) 30% (3) Not Satisfied At All 29.6% (16) 34.5% (20) 13.3% (23) 20% (1) 30% (3) Total 100% (54) 100% (58) 100% (173) 100% (5) 100% (10) Cross - tabulations by Rental Type: Satisfaction with Variety of Rental Units n =300 x 2 = 22.188 p= .01 49 Satisfaction with Current Unit Single Family Dwelling Duplex Apartment Mobile Home Other Extremely Satisfied 75.9% (41) 69% (40) 86.1% (149) 60% (3) 70% (7) Satisfied 16.7% (9) 24.1% (14) 9.8% (17) 20% (1) 30% (3) Not Satisfied At All 7.4% (4) 6.9% (4) 4% (7) 20% (1) 0 Total 100% (54) 100% (58) 100% (173) 100% (5) 100% (10) Cross - tabulations by Rental Type: Satisfaction with Current Rental Unit n =300 No statistical significance 50 Section 8 Single Family Dwelling Duplex Apartment Mobile Home Other Yes 14.8% (8) 19% (11) 18.5% (32) 0 0 No 72.2% (39) 70.7% (41) 71.7% (123) 80% (4) 90% (9) DK /NA 13% (7) 10.3% (6) 10.4% (18) 20% (1) 10% (1) Total 100% (54) 100% (58) 100% (173) 100% (5) 100% (10) Cross - tabulations by Rental Type: Section 8 Most of those utilizing Section 8 lived in apartments. n =300 No statistical significance 51 Satisfaction with Variety of Rental Units Section 8- Yes Section 8- No Section 8 -DKNA Extremely Satisfied 52.9% (27) 43.5% (94) 51.5% (17) Satisfied 19.6% (10) 35.6% (77) 36.4% (12) Not Satisfied At All 27.5% (14) 20.8% (45) 12.1% (4) Total 100% (51) 100% (216) 100% (33) Cross - tabulations by Section 8: Satisfaction with Variety of Rental Units n =300 No statistical significance 52 Satisfaction with Current Unit Section 8- Yes Section 8- No Section 8 -DKNA Extremely Satisfied 68.6% (35) 81.9% (177) 84.8% (28) Satisfied 19.6% (10) 14.4% (31) 9.1% (3) Not Satisfied At All 11.8% (6) 3.7% (8) 6.1% (2) Total 100% (51) 100% (216) 100% (33) Cross - tabulations by Section 8: Satisfaction with Current Rental Unit People receiving Section 8 assistance were more likely to report not being satisfied at all with their rental unit. n =300 No statistical significance 53 Conclusions About the Rental Market & Renters • Over half of renters live in apartment buildings & almost a fifth each live in duplexes & single family dwellings • Almost half of the rental properties were 2- bedroom units & slightly more than a quarter were 1- bedroom housing units • Appliances & off - street parking most often provided /elevator & some utilities least often Conclusions Based Upon Zip Code Areas • The majority of renters lived in apartment buildings in each of the zip code areas - almost half of the rents paid in the 52001 area were in the $400 -$599 range and $600- $799 range in the 52002 area Conclusions (continued) • The 52001 zip code area had the highest concentrations of: - renters receiving Section 8 assistance - disabled household members - rental units with no children <18 - households with incomes under $25,000 Conclusions Based Upon Income Levels • While large percentages of respondents in all income levels indicated high levels of satisfaction with various aspects of their rental situation, the largest concentrations of "not satisfied" respondents were in the lower income ranges Conclusions Based Upon Types of Rental Units • Compared to single family dwellings and duplexes, rental units in apartment buildings more frequently provided kitchen appliances, laundry facilities, air conditioning, off - street parking, and some utilities paid by the landlord. • Lower rent prices ( <$600) were concentrated in apartment buildings Conclusions (continued) • Apartment buildings had the largest concentrations of household members with disabilities, renters receiving Section 8 assistance, and dissatisfaction with: - accessibility of rental units - variety of rental units available - current condition of rental units Conclusions (continued • 81.3% of respondents were Caucasian, 10% African American, 2.2 % Latino & 2.5% Asian • Almost half (49 %) indicated that only 1 person lived in the residence & slightly more than a quarter (26.3 %) had 2 occupants. • Three - quarters of those surveyed (75.7 %) indicated that there were no children under the age of 18 living in their rental units. Conclusions (continued) • Of the 62 rental units (21%) that had a disabled member, 57 had 1 person with a disability & 6 had 2 people with disabilities. - Almost a third (62.9 %) of respondents with a disabled household member were very satisfied with accessibility & usability of units - Almost a third (30.6 %) were satisfied with accessibility & usability Conclusions (continued) • Comments from 7 respondents indicated the following areas for improving accessibility /usability for disabled residents: - larger bathrooms /showers - larger doorways - availability of ramps for wheelchairs - better maintenance of rental units Conclusions (continued) • 60% of units had rents in the $400 - $799 range & a third (33.7 %) had rent deposits in the $400 - $599 range. • Only 17% of the units surveyed receive Section 8 rental assistance Conclusions About Importance of & Satisfaction with Unit Features • The following are the percentages of respondents who indicated very high levels of importance for each rental unit trait: - Overall condition(90 %) - Cost (82.7 %) - Location (78.7 %) - Size (76.7 %) Conclusions (continued) • 80% of respondents indicated a high level of satisfaction with their current rental unit & large percentages were also very satisfied with each of the following: - Size (83.7 %) - Cost (77.7 %) - Location (81%) - Overall condition (77.3 %) Conclusions (continued) • However, less than half (46 %) of respondents were very satisfied with the variety of rental units available, a third (33 %) were satisfied, & slightly more than a fifth (21%) were very dissatisfied with the variety of options available in the rental market. Conclusions Based Upon Verbatim Comments from Respondents • Comments from 78 respondents consistently indicated the following areas of dissatisfaction with the rental options available to them: - refusal to accept pets in rental properties - unsafe /undesirable location - lack of suitable rental options Conclusions Based Upon Verbatim Comments (continued) - small size of units - units dirty, outdated, in need of repair - poor landlord management practices Conclusions Based Upon Verbatim Comments from Respondents • Comments from 21 respondents indicated the following items they would like to change about their current rental units: - improved maintenance & repair of units - update /upgrade appliances - reduce street noise - better landlord management practices Recommendations • Overall condition and cost of units are areas of concern to be addressed by both public & private entities involved in the local market • Perhaps the most significant issue for renters is the lack of variety in desirable rental units - consideration should be given to exploring more diverse rental housing options, especially in apartment buildings Recommendations (continued) • More rental options in apartments should be designed to meet the needs of all renters but special attention should be given to discovering, in more detail, the needs of single and disabled renters, as well as those with low incomes and recipients of Section 8 assistance. Recommendations (continued) • In tandem with more rental housing options, it seems prudent to develop programs aimed at making new & existing rental properties more "user friendly" for those with disabilities, especially in the areas of bathroom, doorway width, & entrance accessibility - these modifications do not necessarily have to exclude renters without disabilities Recommendations (continued) • Incentives should be considered for promoting better landlord management of properties & improved communication between renters & landlords. • Programs should be developed to enhance the safety & security of rental properties, e.g., "target hardening" & surveillance technology RESEARCH When you need to know! 74 Zip Code Yes Off - Street Parking No Off - Street Parking 52001 70.0% (159) 30.0% (68) 52002 92.2% (47) 7.8% (4) 52003 95.5% (21) 4.5% (1) Cross - tabulations by Parking: Zip Code Most of the respondents in all zip code areas had off - street parking but the largest percentage of respondents without off - street parking were found in the 52001 area. n =300 p= .00 76 Housing Type Yes Off - Street Parking No Off - Street Parking Single Family Dwelling 77.8% (42) 22.2% (12) Duplex 55.2% (32) 44.8% (26) Apartment 80.3% (139) 19.7% (34) Mobile Home 100.0% (5) 0.0% (0) Other 90.0% (9) 10.0% (1) Cross - tabulations by Parking: Rental Type Most of the respondents who live in apartments had off - street parking. Respondents who live in duplexes were the most likely to not have off - street parking. n =276 p= .001 77 Racial Composition: White and Non -White n =300 White- 85.2% Non-White- 14.8% 78 e findings were not significant. Both whites and people of color live in all zip codes but the largest concentration of non - whites live in the 52001 Zip Code White Non -White 52001 74.1% (189) 84.4% (38) 52002 18.8% (48) 6.7% (3) 52003 7.1% (18) 8.9% (4) significance found , A LTAVIS Cross - tabulations by Race (White and Non - White): Zip Code Thes thre area. n =300 No 79 Off - Street Parking White Non -White No 20.4% (52) 46.7% (21) Yes 79.6% (203) 53.3% (24) Cross - tabulations by Race (White and Non - White): Parking The largest percentages of both whites and non - whites have off - street parking. n =300 p= .00 80 Housing Type White Non -White Single Family Dwelling 15.7% (40) 31.1% (14) Duplex 17.6% (45) 28.9% (13) Apartment 61.6% (157) 35.6% (16) Mobile Home 2.0% (5) 0.0% (0) Other 3.1% (8) 4.4% (2) Cross - tabulations by Race (White and Non - White): Housing Type These findings were slightly significant. Apartments seem to be the most widely used rental unit among the respondents. n =300 p= .05 81 • Appendix A - Rental Property Housing Impediments Cont. A LTAVI STA RESEARCH Conclusions and Recommendations Concerning Housing Impediments in the City of Dubuque Presented to: Dubuque Human Rights Commission December 2009 o Conclusions The Following conclusions and recommendations are based upon research results contained in the following Alta Vista Research reports: l Consolidated Population, Housing, and Market Analysis Plan; I7 Rental Housing Impediments; l Analysis of 2008 Home Mortgage Disclosure (HMDA) Data 1. Over a third of the city's housing inventory is more than 70 years old and approximately two - thirds is 40 years or older. Thus, a substantial portion of the city's housing is in need of replacement and/or renovation. 2. Low - income households among the elderly and female - headed households will continue to rely upon subsidized rental housing options, especially in light of the fact that among families below the poverty level, 77% live in renter occupied housing. 3. The number of owner - occupied housing units is substantially higher than renter - occupied units (70% vs. 30 %) but where overcrowding occurs, it is much more likely to occur in renter - occupied units compared to owner - occupied. 4. Housing costs that exceed HUD guidelines are more of a problem for renters than those who have a mortgage since 27% of housing units with a mortgage have housing costs that equal or exceed 30% of household income and this figure is almost 40% among renter occupied units. 5. Undesirable housing features such as overcrowding or inadequate plumbing or kitchen facilities exist in about a fifth (19.9 %) of owner - occupied units but are present in almost double (39.9 %) the number of renter- occupied units. 6. The areas of the city with the greatest income pressures and oldest housing stock display difficulty in attracting home purchases, refinancing of homes, and/or home improvement loans. Recommendations 1. The addition of new rental housing, as well as the renovation of existing rental housing stock, should consider greater variety of unit options to meet the diverse needs of renters. 2. An important consideration for enhancing rental housing is accessibility to rental units and the creation of designs and features that make units more "user friendly" for handicapped renters (i.e. wider doorways, access for those with mobility and sight issues, etc.). 3. The improvement of physical aspects of rental housing should be accompanied by management practices that foster communication between renters and landlords as well as reasonable "customer satisfaction" practices on the part of landlords for maintaining and updating their rental units. 4. While there is no evidence of systemic bias based upon race or ethnicity in home mortgage application denials, there is a need for reaching out to low- income households, including those occupied by minority group members, to inform about and assist with methods to overcome the most common mortgage lending obstacles such as poor credit history, high debt -to- income ratio, lack of collateral, and incomplete applications. Appendix B - Insert Analysis of 2008 Home Mortgage Disclosure Act Data Analysis of 2008 Home Mortgage Disclosure (HMDA) Data Copyright 2009, Alta Vista Research, Inc. A LTAVI STA RESEARCH Presented to: Dubuque Department of Housing November 2009 Table of Contents Goals and Objectives 2 Executive Summary 3 A Note on HMDA Data 4 MSA -Level Data and Selected Census Tracts 4 Lending and Applicant Income 6 Areas of Particular Housing Concern 7 Lending, Race, and Ethnicity 8 Disposition of Applications: Reasons for Denial 9 Findings 11 Page 1 Copyright 2009 A LTAVI STA Goals and Objectives This report provides a snapshot of home mortgage lending in the City of Dubuque. In particular, the report provides data on who applies for home loans in Dubuque, what type of loans they pursue, and the disposition of these loan applications. The main data sources for this information are the mandatory disclosure reports filed by lending institutions in compliance with the Home Mortgage Disclosure Act (HMDA). By looking at this data the City Housing Department can better assess impediments to home ownership in Dubuque and address any such problems so as to foster a more conducive environment for home ownership. Page 2 Copyright 2009 A LTAVI STA Executive Summary Analysis of 2008 Home Mortgage Disclosure Act (HMDA) data The following narrative and accompanying tables were derived through an analysis of the most recent HMDA data for the city of Dubuque as well as a review of the last study of lending data performed for the city. This previous study dates from 2001 and utilized 1999 HMDA data. HMDA data is maintained by the Federal Financial Institutions Examination Council (FFIEC) and was the main data source for this brief report on lending. The FFIEC is the national government agency establishing standards for examination of financial institutions. These standards and practices are used by such federal agencies as the Federal Deposit Insurance Corporation (FDIC). In addition, the FFIEC is the agency for reporting and disseminating mortgage disclosure data in compliance with the Home Mortgage Disclosure Act. As such, the agency is a key element in the consideration of fair lending practices within a jurisdiction. HMDA data includes not just mortgages (conventional and other programs such as Federal Housing Authority mortgage programs, FHA), but also refinancing and home improvement loans. All three categories will be discussed in this report. Data is collected not only on the loan type and the disposition of applications, but also on the characteristics of the applicant(s) and other factors such as price paid for the loan over prime. Some of the data is aggregated and as such cannot provide the clearest possible individual level information, however there is much that can be gathered from the data. The following report offers a basic snapshot of lending practices in 2008 with some comparisons to the data from the previous report and previous years. One note on comparison to the previous report is in order. Unlike the previous report's emphasis on the lending patterns of individual institutions, this report focuses more on the picture of the applicant. In other words, who is applying, who is not, and what happens to their applications (denial, costs, etc.). This focus on the applicant is more in keeping with the spirit of the concern over housing impediments and the need to identify those groups who are not seeking the capital to purchase, refurbish, etc. housing units in the city. If a pattern of applicant denial corresponds with race or gender or some other variable then this would still reveal itself in an applicant focused approach. As will be revealed with the data below there is simply a lack of non -white applicants for home purchase loans in Dubuque. While the previous report intimated that this was a product of the policies of the lending institutions, this author cannot arrive at such a conclusion. However, the lack of applicants may speak to a very real need for education and awareness programs, outreach, credit counseling, etc. that would let these groups within the community know about mortgage opportunities, requirements, etc. It may be, and perhaps is likely, that the lack of applicants reflects a lack of perceived credit - worthiness (whether real or not) or a lack of knowledge of the process and requirements for securing a home purchase loan. Page 3 Copyright 2009 A LTAVI STA A Note on HMDA Data The HMDA data is first divided by state and then Metropolitan Statistical Area (MSA). From there the data is publicly reported at the census tract level. The Dubuque MSA includes the following census tracts: 1, 3, 4, 5, 6, 7.01, 7.02, 8.01, 8.02, 9, 11.01, 11.02, 12.01, 12.02, 12.03, 101.01, 101.02, 101.03, 102, 103, 104, 105, 106. The data is not currently publicly available at the census block level. As such, disaggregating for particular neighborhood at the block level is currently problematic. More important than MSA for the present study, the City of Dubuque in 2008 is largely comprised of the following census tracts 1, 3, 4, 5, 6, 7.01, 7.02, 8.01, 8.02, 11.01, 11.02, 12.01, 12.02, 12.03. Information for these tracts is disaggregated in sections of this report. MSA -Level Data and Selected Census Tracts In regards to MSA level data on conventional mortgage home purchase loans (the most common vehicle for home purchasing), in 2008 the Dubuque MSA witnessed an 88% application approval rate (determined via loans originated plus those applications approved but not accepted by the borrower as a percentage of total applications), an 85.4% origination rate (determined via loans originated as a percentage of total applications), and a denial rate of 6.8% (determined via applications denied as a percentage of total applications). There were a total of 1192 conventional mortgage applications, with 1018 loans originated and 81 application denials. The HMDA data provides information on other types of loans for home purchases beyond the conventional. Such programs include Veterans Affairs (VA) backed mortgages as well as Housing and Urban Development's (HUD) Federal Housing Authority (FHA) loan program. MSA -wide in 2008 there were 170 FHA, VA, etc. loan originations, 8 approved applications which were not accepted by the borrower, 21 denied applications, 9 withdrawn, and 3 closed for incompleteness. It is clear that these programs represent a relatively small portion of the total home purchase loans applied for and originated in Dubuque. For MSA data on refinance loans, 67.4% of applications were approved, with an origination rate of 63.8% (meaning the percentage of applications approved and ultimately ended with a loan being finalized and accepted by the borrower), and a denial rate of 20.5 %. There were a total of 2595 refinance applications in 2008, with 1656 loans originated and 533 denials of applications. In terms of MSA level data on home improvement loans, 65.5% of applications were approved, with an origination rate of 61.2% and an application denial rate of 24.3 %. There were a total of 255 home improvement loan applications in 2008, with 156 loans origination and 62 applications denied. Looking to the census tracts that comprise the city proper, patterns in lending emerge. This data is provided in aggregated form in the table below. Loan Type (total applications) Rates Page 4 Copyright 2009 A LTAVI STA Purchase —FHA, etc. (131) Purchase — Conventional (661) Refinance (1442) Home Improvement (153) Again, the data presented in the table above is for applications made for property located in one of the city's census tracts (excluding the outlying tracts included in the Dubuque MSA). In the HMDA census tract level data the tract's median income as a percent of MSA median income is also reported. This information for the city's census tracts reveals the following: Tract Tract Median Income as % MSA Median Income 1 3 4 5 6 7.01 7.02 8.01 8.02 9 11.01 11.02 12.01 12.02 12.03 53% 89% 86% 72% 102% 94% 86% 109% 124% 95% 110% 98% 105% 96% 118% App. Approval 80.9% 89.7% 62.2% 62.7% Origination Denial 77.1% 86.8% 57.9% 58.8% As indicated below as well, tracts 1 and 5 are the two areas of the city in which income pressures are the greatest. However, it is also clear that other sections of the city also fall below the median income, with tracts 3, 4, and 7.02 all having a tract median income below 90% of MSA median income. It cannot be stressed too much, however, that tracts 1 and 5 remain (especially tract 1) the key areas of concern for housing affordability and lending. Lending and Applicant Income Page 5 Copyright 2009 A LTAVI STA HMDA data, while sometimes incomplete due to reporting omissions by institutions, does provide information on the income level of applicants and the disposition of their application. Looking at the income level of applicants, determined with reference to the MSA median income ($59,200 in 2008), it is clear that those in lower income categories face a higher incidence of loan denial than other income categories. This should not come as a surprise given the nature of mortgage lending criteria and the emphasis on income, collateral, etc. In regards to conventional home purchase loans, those applicants with incomes at less than 50% MSA median income had the following rates of approval, origination, and denial: 78.1% application approval, 75.5% origination rate, and a denial rate of 16.4 %. For applicants with 50- 79% MSA median income, there was an 87.3% application approval rate, an 84.2% origination rate, and an 8.5% denial rate. For applicants with 80 -99% MSA median income, there was a 90.5% application approval rate, an 87% origination rate, and a 4.5% denial rate. For those with incomes at 100 -119% of MSA median income there was a 91.2% application approval rate, an 87.1% origination rate, and a 3.4% denial rate. And, finally, for those in the highest income level (120% or more of MSA median income) there was an 89.2% application approval rate, an 86.7% origination rate, and a 5.1% denial rate. In terms of refinance loans, those applicants with incomes at less than 50% MSA median income had the following rates of approval, origination, and denial: 51.3 %, 46.1 %, and 35.5 %. In the 50 -79% income category, there was an approval rate of 57.2 %, an origination rate of 51.3 %, and a denial rate of 30.8 %. For the next two income categories, 80 -99% MSA median income and 100 -119 %, the figures are in the 63 -65% approval rate range, with roughly 61% origination and 20 -22% application denial. The income category that stands in the sharpest relief is the highest category of applicants with incomes at 120% or higher of MSA median income. This category of applicant had an approval rate of 75.3 %, origination of 72.7 %, and denial rate of 13.4 %. It is clear that in this area of lending, as with the others outlined above and below, those in the higher income categories have higher approval rates and the lower denial rates. For home improvement loans the picture is similar to the conventional mortgage and refinance data above. The one notable difference is the number of home improvement loan applications is very small compared to the other main categories of lending. Of those in the lowest income category there was a 51.4% approval rate, a 42.9% origination rate, and a denial rate of 31.4 %. The next income category, 50 -79% of MSA median income has a slightly higher approval rate (57.1 %) and origination rate (51.8 %). The denial rate is also higher than the lowest income category at 39.3 %. This represents the highest denial rate of any income category reported for applicants. In the 80 -99% MSA income category there was an approval rate of 61 %, origination rate of 58.5 %, and denial rate of 26.8 %. In the 100 -119% income category both approval and origination rate stood at 64 %, with a 20% denial rate. For the top income category there was an approval rate of 74.4 %, origination rate of 69.8 %, and a denial rate of 15.1 %. Looking across categories of loans it should be no surprise to find that denial rates tend to increase for those applicants in lower income categories. The important observation is to note that individuals in the lowest categories are more often than not able to secure a loan, but that securing the loan is more difficult than for other individuals. Areas of Particular Housing Concern Page 6 Copyright 2009 A LTAVI STA The main area of housing impediment concern for the City of Dubuque is what is known as the Washington neighborhood. This neighborhood is composed from sections of census tracts 1 and 5. According to FFIEC data, these two tracts represent two of the most racially diverse tracts in Dubuque (with 17% and 7% minority population, respectively —these figures represent a slight increase from the estimates used below— estimates that are in the city's Consolidated Plan from another data source). The difference between these minority population estimates comes primarily from the fact that both are, in fact, estimates. A full enumeration will not come until 2010. A general outline of the economic environment of these tracts is provided below. This portrait of the neighborhood is followed by a discussion of the particular mortgage lending data available. Together, this data provides insight into affordable and fair housing impediments for this area of vital concern for Dubuque. The U.S. Census Bureau, Federal Financial Institutions Examinations Council (FFIEC), and the Department of Housing and Urban Development (HUD) serve as the main data sources for the information presented. 2008* 2008* 2008* 2009 ** 2009 Est. ** Census Est. Est. % Pop. Est. % Pop. Est. Tract Tract MFI as Tract Pop. Minority in Poverty MFI %MSA MFI 1 2,980 16.5% 23.9% $33,300 53.3% 5 4,266 6% 15.6% $45,025 72% Looking at the 2008 HMDA data, it is clear that these census tracts continue to demonstrate areas where there is still relatively little mortgage lending for home purchase. And, the rate of loan origination in 2008 is in decline from previous years. In Census tract 1, there were only 15 loans originated in 2008 (with 2 denials and 1 file closed for incompleteness). In Census tract 5 that figure increases to 28 loans originated (with 7 denials and 2 files closed for incompleteness). For historical comparisons to two periods of time, 1999 (the data year for the previous study) and 2004 (roughly a midpoint between the previous study and the current study), the data reveal the following: in 2004 there were 29 loans originated in tract 1, with 2 applications approved but not accepted, 14 denials, 5 applications withdrawn, and 7 files closed for incompleteness. For the same year in tract 5 there were 69 loans originated, with 3 applications approved but not accepted, 19 applications denied, 11 applications withdrawn, and 3 files closed for incompleteness. For 1999, the figures are as follows. Tract 1 saw 11 mortgage loans for home purchase originated, with 4 applications approved but not accepted, 15 applications denied, and 2 applications withdrawn. In 1999 Tract 5 had 45 home purchase loans originated, with 5 approvals without acceptance, 19 applications denied, and 6 applications withdrawn and 2 files closed for incompleteness. Page 7 Copyright 2009 Source: *LSC, * *FFIEC A LTAVI STA Calculating application approval, origination, and denial rates (for home purchase, refinance, and home improvement) for these two census tracts reveals the difficulties loans for these tracts and applicants face. The information is provided in the table below. Tract Loan Type (total applications) Rates App. Approval Origination Denial 1 Purchase –FHA, etc. (1) 100% 100% 0% 1 Purchase — Conventional (18) 83.3% 77.8% 11.1% 1 Refinance (32) 75% 65.6% 9.4% 1 Home Improvement (9) 55.6% 55.6% 33.3% 5 Purchase —FHA, etc. (10) 60% 60% 40% 5 Purchase — Conventional (28) 82.1% 78.6% 10.7% 5 Refinance (95) 42.1% 36.8% 45.3% 5 Home Improvement (8) 12.5% 12.5% 62.5% From the data above it is clear that in tract 5 many borrowers sought to refinance and had their applications denied. The conventional mortgage approval rates appear similar for the two tracts, but the refinance and home improvement figures stand out as differences in lending patterns within the tracts. Comparing to MSA -level or simply against other tracts within the city, these two tracts remain areas of key housing concern. Lending, Race, and Ethnicity For all conventional mortgage loan applications for the Dubuque MSA in 2008, only 27 applications were non -White (for approximately 2.3% of all applicants). Including Hispanics and all other races and ethnicities for which there was an identification, of those 27, 20 had their loans originated, with another 3 being approved but not accepted by the borrower. In all, 3 of these 27 applicants were denied a conventional mortgage. There were no applications from non- whites for mortgages other than conventional (i.e., no FHA, etc.). As with conventional mortgage loans, only a small portion of applications for refinance loans are from non -White applicants. Of the total 2413 refinance loans for which race and ethnicity of the applicant is known, only 49 applications came from non - Whites, including Hispanics (for roughly 2 %). Page 8 Copyright 2009 A LTAVI STA A similar finding can be seen in the home improvement loan data from 2008. Of the 218 home improvement loan applications for which race and ethnicity is known, only 4 were from non - Whites, including Hispanic. As with the refinance loans, this represents approximately 2% of the applications for home improvement loans. Disposition of Applications: Reasons for Denial Within the HMDA data, lending institutions report the reasons for denial of applications. However, the reporting of reasons for denials is not always reported consistently across institutions. For instance, the aggregate HMDA data tables indicating reasons for denial do not include data on all denials, but rather only those for which disposition explanations are provided. As such, there is something of an incomplete picture of denials. However, certain general patterns emerge as to the reasons for denial. Reasons for denial include debt -to- income ratio, employment history, credit history, collateral, insufficient cash, unverifiable information, incomplete application, mortgage insurance denial, or other. Looking to conventional home purchase loans, the most prevalent form of home purchase loan, the single most cited reason for an application denial was credit history. Regardless of the characteristics of the borrower, including race, ethnicity, gender, or income, credit history was the single largest explainer of application denial. Across categories of borrower (e.g., gender, ethnicity, etc.), credit history accounted from anywhere from 20 -40% of the denials within any given category, with an average across the categories of roughly 30 %. To give a sense of the variation within a category of applicant, amongst male borrowers seeking a conventional mortgage, of those denied, 39% were denied based on credit history. Of the females denied, 20% were denied for credit history, and of joint (male /female) applicants, 24% were denied based on credit history. In regards to income levels of applicants (as a percentage of MSA Median Income), credit history again was the largest single category of reason for denial of conventional home purchase loan, with 40% of applicants reporting less than 50% MSA median income having credit history as the reason for denial. In the 50 -79% income category, 36% were denied based on credit history, with 33% of those with incomes 100 -119% of MSA median income also being denied based on credit history. Other significant reported reasons for denial include debt -to- income ratio (accounting for roughly 15 -20% of denials), collateral (roughly 15% of denials), with application incompleteness and "other" being the two largest remaining categories of reasons for denial (roughly 12 -15% for each category of reason for denial). Again, it should be noted that variation for reasons for denial does exist compared to these aggregated totals. For instance, 19% of denied joint applications were denied for an incomplete credit application, whereas only 5% of female applicants had their application denied for the same reason. However, a further caution is warranted in that these are all very small numbers. After all, there was only 1 application from a female denied based on an incomplete credit application and there were only 4 joint applications denied for on the same grounds. As can be seen, these numbers are very small and any grand conclusion of trends, etc., should be cautionary. For refinance loans, regardless of status of applicant, as with conventional mortgages, the most common reasons for denial were credit history, debt -to- income ratio, and collateral (in roughly that order of importance). For home improvement loans the most common grounds for denial of Page 9 Copyrig 2009 A LTAVI STA home improvement loans was credit history and debt -to- income ratio, accounting for 30 -50% of denials each (varying by type of applicant, e.g., ethnicity). Across all categories it is clear that credit worthiness and debt -to- income ratios are significant drivers of denial. Page 10 Copyright 2009 A LTAVI STA Conclusions There are few non - whites who apply for mortgage, refinance, or home improvement loans in Dubuque. For instance, no African- American sought a conventional home purchase loan in 2008. Given that the estimated size of these populations is limited and that the estimated economic status of these populations indicates real economic pressures on such households, this fact is perhaps not surprising. This does not mean, however, that it is a fact that should be ignored. As indicated in the HMDA data there is no evidence of a systemic bias, with application denials coming from the usual sources, with denial rates the greatest for applicants in the low income categories — regardless of other factors such as race. The explanations for application denials are such things as credit history, debt -to- income ratio, collateral, and application incompleteness. These represent, in rough order, the most common grounds for denial. Denial rates are more than twice as high for the lowest income applicants (16.4 %) than those in other income categories (a combined denial rate of 5.7 %). Mortgage lending in two of the most critical census tracts, tract 1 and 5, have fallen from their past levels and both census tracts face higher than average denials in conventional home purchase loans as well as significantly higher denial rates for refinance and home improvement loans. 2008 appears to be a year in which many Dubuque residents sought to refinance their mortgages. It also appears that a large number of them, roughly 24% across the city, had their applications denied. The attempts to refinance and the reality of refinance denials were especially acute in census tract 5 with a denial rate at roughly 45 %. The areas of the city with the greatest income pressures and oldest housing stock display some difficulty in attracting home purchase, refinance, and /or home improvement loans. There are several possible explanations for this (from credit worthiness of applicants to the lack of interested potential applicants, etc.), and it hard to determine underlying causes from the HMDA data. Page 11 Copyright 2009 A LTAVI STA Appendix C - Insert Consolidated Population, Housing, and Market Analysis Plan Copyright 2009, Alta Vista Research, Inc. RESEARCH Consolidated POPULATION, HOUSING, AND MARKET ANALYSIS Plan Presented to: City of Dubuque, Iowa No vember 2009 Table of Contents Introduction and Overview 2 The American Community Survey (ACS): In Brief 3 Demography 4 Housing Market and Inventory 5 Economic Conditions 5 Current Housing Affordability Concerns and Needs 6 Projected Housing Concerns and Needs 6 Special Needs Population 7 Community Description 8 Labor Force 9 Table 1. HUD SOCDS Current Labor Force Data: July 00 to July 09 9 Employer Base 12 Population and Household Data 13 CHAS Special Categories Population 17 Homeless Population 18 CHAS Household Information 21 Low - income Population 24 Areas of Racial /Ethnic Minorities and Low-Income Population 27 General Housing Market and Inventory 28 Units and Occupancy 29 Vacancy 30 To summarize the significant points concerning vacancy: 32 Overcrowding 32 To summarize the significant points concerning overcrowding: 33 Housing Type, Age and Numbers: Available Housing in Dubuque 33 To summarize the significant points concerning housing type: 33 Housing Age 33 Housing Value /Costs 35 Demand for Multi - family /household Structures 41 Housing Development 43 Affordability of Rental, Owner- occupied, and Vacant Units 44 Residential Housing Loss 51 Changes in Rental Units and Contract Rents 51 Summary Points for Dubuque Housing & Community Development Consolidated Plan 52 Housing Market 53 Housing Value and Affordability 54 Future Housing Trends 54 Concluding Remarks 56 Page 1 Copyright 2009 ALTAVISTA Introduction and Overview Reviewing the Consolidated Plan of FY 2006 -2010 it is clear that the picture of Dubuque was as a city undergoing change and renewal while striving to address some of its lingering and longer- standing housing issues. That change and renewal has continued to the writing of this consolidated plan and its housing and market analysis. The riverfront expansion in the Port of Dubuque district is entering its second phase on the heels of the very successful phase I which saw construction of a convention center, hotel and waterpark, office and retail space, casino expansion, and the National Mississippi River Museum and Aquarium. The city's expansion of white-collar employment continues with the recent announcement and opening of a 1,300 job IBM facility in Dubuque. The city has also, impressively during the current economic climate, maintained and attracted additional skilled and non - skilled blue - collar employment. These developments speak to the planning efforts and diligence of the city and the various agencies and interests, both public and private that have shaped the economic, social, and cultural trajectory of the city. One part of that planning process is the city's consolidated Plan. 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 such documents provide an invaluable opportunity to asses change and trends, always with an eye toward the proper course for agencies and the city. Looking at the current statistical indicators it is clear that 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. A full enumeration of the city and its residents will not come until the 2010 Census. For purposes of planning, the decennial census has been superseded by the Census Bureau's American Community Survey (ACS). While the dissemination of demographic, social, economic, and housing data via the ACS is still limited in scope and detail for Dubuque, a clear and reliable picture can be rendered. The data available to chronicle the changes and needs in Dubuque will be further refined following the ACS census tract data released in 2010. A further explanatory note on the ACS is appropriate before commencing with the data analysis. Page 2 Copyright 2009 r ALTAVISTA The American Community Survey (ACS): In Brief The ACS is an ongoing nationwide yearly survey project largely replacing the decennial census for studying and tracking changes in the demographic, social, economic, and housing trends within the United States and its constituent localities. The decennial census, required under the Constitution, will remain the official enumeration of the population (i.e., the official "count" of the population), however the data collected by the decennial census will be limited to a handful of items (so- called 100 percent items), including: race, age, ethnicity, relationship, sex, and housing tenure. In years prior, the decennial census was divided into short and long form versions, with roughly 1 in 6 households receiving the census long forms. These long forms included detailed questions on income, employment, social status, demography, and housing (e.g., household income, year housing structure built, housing costs, etc.). This long form created a sample, albeit an incredibly large one, and was used to impute the characteristics of the total population. This process would generate very detailed information, but only in 10 year increments. The Census Bureau, to be sure, did generate interim estimates, but only very limited ones — usually regarding estimated total populations of localities, nation, etc. With the 2010 Census there will no longer be a separate long form, and the Census Bureau believes that this change will streamline the census process and create efficiency. The ACS looks to provide policymakers (from President and Congress to local officials) a more updated and updateable picture of the population. The ACS is a yearly survey and survey results for communities will be presented in yearly or in multi -year estimates based upon the size of the sample relative to the size of the community. For the largest communities (all areas with 65,000 population or greater), ACS data will be published yearly, while smaller communities such as Dubuque, have ACS published in multi -year estimates (all areas with population 20,000 or greater). Dubuque, however, will still have the ACS survey administered yearly, and the data will be added to the extant data set to derive an updated multi -year estimate. The size of the sample is simply not large enough for Dubuque to have reliable data published yearly. However, the sample from across a given time period (e.g., three years) does provide enough reliability. New data will be added as collected and new estimates for new time - frames will be published (e.g., 2006- 2008). 5 year estimates for all areas (including down to census tract and block group level) will be published in 2010. The vital purpose of the overhaul of the Census data collection is to give policymakers, national and local, access to more timely and as accurate information about their localities, residents, needs, issues, etc. The ACS is about the characteristics of a community and does not serve as either the official enumeration or even official population estimate of a given location. ACS surveys are distributed monthly across a year, with roughly 250,000 addresses randomly receiving the survey. The process also has a mechanism for telephone and in- person interviews for those addresses not responding to the ACS survey. This monthly distribution figure translates to roughly 1 in 40 addresses per year. For comparison, roughly 1 in 6 addresses received the long form for the 2000 Census (this ratio was constant regardless of population size). In areas of smaller population a larger sample for the ACS will be drawn than the 1 in 40 per year or 1 in 13 per three years established in Page 3 Copyright 2009 r ALTAVISTA the first years of the ACS. These smaller jurisdictions will be sampled approximating the long form ratio. In all, across a 10 year period the chance of receiving the ACS is less than 1 in 4. This means that within the 10 year window (akin to the decennial census), an individual is actually more likely to be surveyed under the ACS than receiving what was known as the decennial census long form. In Dubuque's case of a 3 year estimate (2005- 7), the sample amounted to nearly 3,000 individuals (2,963) and 1,290 housing units. It is currently anticipated that in October of 2009 the 2006 -8 ACS estimates will be made available for Dubuque and all other communities of more than 20,000 residents. Based on ACS and decennial census data, as well as other sources, the following pages focus on the demography of Dubuque, the city's housing market and inventory, areas of concern and need within that inventory, and the needs of the population, including the special needs population. Throughout this report, conclusions about an increase or increase between the 2000 Census and the ACS estimates are tempered by consideration of the margin of error associated with the ACS. Definitive conclusions about increases or decreases can only come where the difference between the 2000 Census and ACS estimates is outside the bounds of the ACS margin of error. This is not to say that the differences between the Census and ACS which are within the margin of error are not important to note or consider. Some of the more noteworthy items presented in the following pages include: Demography ET Dubuque's population has remained stable since the 2000 Census, currently estimated between 55,965 and 57,741, but substantial growth in population has occurred in the western communities of Asbury and Peosta, likely as a result of outmigration from the city of Dubuque. Between 2000 and 2007, Asbury grew by 53.2% and Peosta by 73.4 %. Those new residents of Asbury and Peosta have tended to mirror many of the extant demographics. ET Those entering the city and replacing citizens who have left for western communities have different demographic traits. For example, from 2000 to 2005/20007 the ACS estimates a 72.3% increase (from 700 to 1,206) in the number of African American residents, a 48.5% increase (from 390 to 579) in Asians, a 43% increase (from 553 to 791) in community members of 2 or more races, and a 23.1% increase (from 911 to 1,121) in the Hispanic population of Dubuque. The margin of error for each of these groups, African American, Asian, Multi -race, and Hispanic, are +I- 273, 151, 240, and 260, respectively. ET Dubuque experienced a $7,212.00 increase in its median family income (to $53,758) from the 2000 Census, but significant demographic pockets of poverty remain among female single parents with children under the age of 5 (60 %), female single parents with children under age 18 (45.1 %), all children under age of 5 (22.8 %), children 5 -17 years of age (13.9), and those 5 years of age or older who have disabilities (20 %). Among those families below the poverty line 77% live in renter occupied housing. In addition, the ACS estimates that 9.6% of families have incomes below the poverty level, a notable increase from the 5.5% figure cited in the 2000 Census. The margin of errors should be noted for all the data above, and are provided in the text of this report. Page 4 Copyright 2009 r ALTAVISTA Housing Market and Inventory C✓1 According to the 2005 -07 ACS, Dubuque contains 25, 273 housing units, representing a 5 to 7.25% (considering the ACS margin of error) increase in total housing units since 2000. Changes in occupancy rates are within the margin of error for 2005 -07 occupancy estimates by ACS but there appears to be a continuation of the trend toward slightly lower occupancy rates since the 1990 Census figure of 95.8% occupancy was recorded. Q The trend toward a higher ratio of owner - occupied to renter - occupied units continues with an estimated 70.1% all housing units occupied by owners and 29.9% inhabited by renters. The overall vacancy rate for all housing units is 6.4% but is markedly higher for rental units at 9% compared to 0.4% for owned housing units. The rental vacancy rate reflects a 0.5 -1.5% increase (within the margin of error) from the 2000 vacancy rate of 8 %. ET Over a third of Dubuque's housing inventory is more than 70 years old and approximately two - thirds is 40 years or older. Thus, Dubuque's residences are older than state and national averages for the age of housing within the city. ET Limited evidence from the ACS suggests that Dubuque continues to experience below average overcrowding in its housing units (probably as a result of smaller household and family sizes compared to national ACS estimates). Where overcrowding does exist, as documented in previous studies, it is much more likely to occur in renter - occupied units than owner - occupied. ET Single -unit structures account for roughly two - thirds of all Dubuque housing units and the largest category of housing unit complexes (20+ units) account for only 4.2 — 6.0% of the housing inventory, with approximately 15% of all structures including 5 or more units. Economic Conditions Q Dubuque's progress in economic development has continued and garnered national and local recognition through numerous awards including the designation of "All American City" by the National Civic League in 2007, "Most Livable Small City in the U.S." by the United Conference of Mayors in 2008, "100 Best Communities for Youth" by the America's Promise Alliance, and the attraction of new large -scale employers such IBM. El While Dubuque, by national comparison, has a lower cost of living, the city is a more costly place to live compared to other regional municipalities. Dubuque's labor force has increased by 4% from July 2000 to July 2009. The city's unemployment rate has likewise risen due to the recent economic downturn (from an unemployment rate of 3.8% in July 2000 to 6.2% in July Page 5 Copyright 2009 r ALTAVISTA 2009. However, its current unemployment rate of 6.2% is well below the higher current regional and national unemployment figures. Current Housing Affordability Concerns and Needs O The ACS estimates the median value of owner- occupied units in Dubuque to be $115,100.00, up from the 2000 Census median value of $88,400.00. Even with inflation and various ways of estimating housing valuation, this represents a notable increase in median value. Considering the margin of error included in the ACS estimate, 43 -55% of owner - occupied units fall within the $100,000 - $200,000 cost range. O Using the Housing & Urban Development (HUD) guideline that housing costs should not exceed more than 30% of income, 27% of the 10,335 housing units with a mortgage have housing costs that equal or exceed 30% of household income. Among the 6,255 housing units without a mortgage, this figure is 12 %. O In terms of rent as a percentage of household income, in 39.4% of the 7,061 renter occupied housing units, rent is equal to or exceeds 30% of household income. O In terms of housing conditions beyond affordability, the ACS tracks overcrowding, inadequate plumbing or kitchen facilities, etc. Among owner occupied units, a fifth (19.9 %) are estimated to possess one or two of these additional housing burdens while among renter - occupied units the figure is 39.2 %. O Across all the HUD affordability categories (<30% MFI to >80% MFI), a third (33.3 %) of renters and 13.5% of owners had housing problems, such as cost burdens and overcrowding, according to data contained in the 2000 Census. The largest percentages with housing problems were concentrated in the <30% MFI categories for both renters (74.4 %) and owners (66.9 %). As renter household income increases, the percentage of these households facing serious /extreme cost burdens decreases. The same general pattern regarding cost burdens is found for households in owner - occupied units. O The National Low Income Housing Coalition (LIHC) determines a "housing wage" based upon the level of hourly income required to afford a 2- bedroom apartment without paying more than 30% of income for housing to avoid the definition of housing cost burden. A minimum wage employee in Dubuque must work 61 hours a week to achieve this housing wage but the estimated average wage for Dubuque renters is $10.28 /hour, thus requiring a 43 -hour work week to achieve the housing wage at current HUD Fair Market Rent (FMR) levels. Projected Housing Concerns and Needs Page 6 Copyright 2009 r ALTAVISTA According to the ACS, the median age of the Dubuque population is 38.3 years and 18% is 62 years of age of older. Two - thirds (66.8 %) of households are composed of families and a third (33.2 %) are non - family living arrangements. Continued increases in older age categories and the number of non - family households will create more demand for housing alternatives such as multi - family /housing developments in the forms of townhouses /condominiums and housing communities with various degrees of assisted living. According to HUD data, the number of building permits for various types of housing units has declined quite dramatically from 2004 to June of 2009. Multi- family dwellings were the single largest category for which permits were issued (58.3 %) during this time period while 41.7% of permits issued were for single family structures. Slightly over two- thirds (67.1 %) of the multi - family structure permits issued during this time period were for 5+ unit family structures issued in the year 2004. Special Needs Population According to ACS estimates, 16.5% of t one physical or mental disability. Of the age c to have at least one disability. GENERAL CHARACTERISTICS Figure 1. Map of Dubuque Disability is more likely to be experienced amongst the elderly population of Dubuque, with an estimated 37.5% of the population 65 years of age or older suffering from at least one disability. Page 7 he population aged 5 or older has at least ohort 5 to 15 years old, 10.1% is estimated Copyright 2009 Source: U.S. Census Bureau ALTAVISTA Community Description Nestled amongst the bluffs and shores of the Mississippi River, across from the border of both Wisconsin and Illinois, the City of Dubuque is home to an estimated 57,250 (2008 Population Estimate, U.S. Census Bureau). The city is currently Iowa's 8th largest city and serves as a regional economic, medical, educational, and tourism center of the tri -state area. Despite its size, the city boasts two hospitals, three accredited four -year colleges, as well as a regional community college and other numerous institutions of vocational training. The city is located roughly 200 miles east of Chicago IL and Milwaukee WI, and northwest of Des Moines, IA. It is also only 90 miles from Madison, Wisconsin. While it is often not considered a populated region, 2.9 million people live within only 100 miles of Dubuque. Dubuque spans nearly 30 square miles and enjoys atypical Iowa topography by Iowa standards. Steep bluffs, valleys, and ubiquitous winding streets mark Dubuque's landscape, in addition to the city's roughly six miles of riverfront. The Mississippi serves as the eastern boundary of the city, while the landscape gives way to more typical rolling farmland out beyond the city limits to the west, north, and south. In 2007 Dubuque was awarded the distinction of All American City by the National Civic League. The award, one of the oldest and most prominent community recognition awards in the country, is awarded yearly to only 10 communities across the country. The award recognizes communities where community members, city officials, businesses and nonprofit organizations work collaboratively to tackle local issues for the growth and strengthening of the community. Other recent notable awards for the city include America's Top 100 Places to Live (relocate.com), Most Livable Small City (United States Conference of Mayors), 100 Best Communities for Young People (America's Promise Alliance). Such awards speak to the progress made by the city and its attractiveness. The outward evidence of the city's successes and growth can be seen most tangibly in the development of the Port of Dubuque and its growing diversity of businesses and amenities. Dubuque has been very successful in garnering state and federal funds for growth and development, including development in the Port of Dubuque. This trend appears to be continuing as the additional phases of riverfront expansion move forward, AMTRAK connection to Chicago comes on -line, and infrastructure spending increases for the west end of the city. In regards to the relative livability and affordability of Dubuque, the American Chamber of Commerce Researchers Association (ACCRA) reported Dubuque's (First quarter 2008 to first quarter 2009) composite standard of living index (COLI) at 96.7 (with the national average at 100 —as such, this 96.7 is Dubuque's cost as a percentage of the average of all participating places in the U.S.). Dubuque, by national comparison has a lower cost of living. By comparison to other municipalities in the region, however, Dubuque is often a more costly place to live. The ACCRA COLI includes six categories of goods and services: grocery items, housing, utilities, transportation, health care, and miscellaneous goods and services. For comparison sake, the ACCRA COLI composite costs for cities proximate to Dubuque include: 91.3 for Rockford, IL, 92.4 for Cedar Rapids, IA, 89.5 for Waterloo -Cedar Falls, and 95.0 for the Quad Cities, IA -IL. In particular regard to housing costs and cost of living, ACCRA calculates Dubuque's housing cost at 90.9. This housing cost is weighted as approximately 30% of the cost of living model employed Page 8 Copyright 2009 r ALTAVISTA by ACCRA. All of the cities listed above also have lower housing costs as indicated in the ACCRA cost of living index (for example, 82.4 for Waterloo -Cedar Falls and 68.7 for Rockford). Labor Force Dubuque maintains an educated, skilled, and efficient workforce, with an unemployment rate slightly above 6 %. According to the ACS estimate, the Dubuque labor force is 31,134 ( +/- 911) individuals, with all but an estimated 56 individuals employed in civilian positions. These 56 individuals correspond to non - civilian military. For a more specific accounting of the Dubuque labor force and recent trends in the labor force, employment data from HUD's State of the Cities Data System ( SOCDS) is provided below: Table 1. HUD SOCDS Current Labor Force Data: July 00 to July 09 Employed Residents Labor Force Unemployment Rate (Percent) July 2000 July 2009 Page 9 Dubuque, IA Metropolitan Statistical Area 3.5 6.2 Copyright 2009 City of Dubuque 3.8 6.2 Source HUD SOCDS r ALTAVISTA Dubuque Metropolitan Statistical Area Dubuque Metropolitan Statistical Area City of Dubuque July 2000 48,417 30,211 July 2009 51,943 31,430 Change (Percent) 7.3 4.0 by ACCRA. All of the cities listed above also have lower housing costs as indicated in the ACCRA cost of living index (for example, 82.4 for Waterloo -Cedar Falls and 68.7 for Rockford). Labor Force Dubuque maintains an educated, skilled, and efficient workforce, with an unemployment rate slightly above 6 %. According to the ACS estimate, the Dubuque labor force is 31,134 ( +/- 911) individuals, with all but an estimated 56 individuals employed in civilian positions. These 56 individuals correspond to non - civilian military. For a more specific accounting of the Dubuque labor force and recent trends in the labor force, employment data from HUD's State of the Cities Data System ( SOCDS) is provided below: Table 1. HUD SOCDS Current Labor Force Data: July 00 to July 09 Employed Residents Labor Force Unemployment Rate (Percent) July 2000 July 2009 Page 9 Dubuque, IA Metropolitan Statistical Area 3.5 6.2 Copyright 2009 City of Dubuque 3.8 6.2 Source HUD SOCDS r ALTAVISTA Dubuque Metropolitan Statistical Area City of Dubuque July 2000 46,717 29,078 July 2009 48,742 29,490 Change (Percent) 4.3 1.4 by ACCRA. All of the cities listed above also have lower housing costs as indicated in the ACCRA cost of living index (for example, 82.4 for Waterloo -Cedar Falls and 68.7 for Rockford). Labor Force Dubuque maintains an educated, skilled, and efficient workforce, with an unemployment rate slightly above 6 %. According to the ACS estimate, the Dubuque labor force is 31,134 ( +/- 911) individuals, with all but an estimated 56 individuals employed in civilian positions. These 56 individuals correspond to non - civilian military. For a more specific accounting of the Dubuque labor force and recent trends in the labor force, employment data from HUD's State of the Cities Data System ( SOCDS) is provided below: Table 1. HUD SOCDS Current Labor Force Data: July 00 to July 09 Employed Residents Labor Force Unemployment Rate (Percent) July 2000 July 2009 Page 9 Dubuque, IA Metropolitan Statistical Area 3.5 6.2 Copyright 2009 City of Dubuque 3.8 6.2 Source HUD SOCDS r ALTAVISTA It is important to note that the current economic pressures have impacted Dubuque's labor market. These changes largely mirror the trend at the state level as well. However, it is also clear that Dubuque's labor force enjoys a stability not shared in other Midwestern small cities facing double digit unemployment and severe underemployment. This stability cannot be said to be enjoyed equally throughout Dubuque. Based on unemployment figures from the previous calendar year, four census tracts in Dubuque were identified as Areas of Substantial Unemployment (ASU) in 2009. These tracts were 1, 3, 4, 5 (see map below). These tracts are c in the easternmost reaches and center of the city extending north. Figure 2. Map of Dubuque by Census Tract and Census Block Group r Ash 4 Dubuq e 101.02 2 Approx. 7 miles across. 8.01 Not surprisingly, these are the very census tracts that have received the most attention from low- income initiatives in Dubuque (including housing assistance). The determination of ASUs occurs every fall, so the program year 2010 determinations (based on 2008 -2009 data) have yet to occur. Once a location is identified as an ASU, additional monies and programs to spur employment commence. For more information on ASUs, please see http: / /iwin. iwd.state.ia.us /iowa /OlmisZine. The 2008 Greater Dubuque Laborshed Study created by the Greater Dubuque Development Corporation, with information analyzed and compiled by the Iowa Workforce Development Agency, lists the main employment sectors for the Dubuque laborshed area. A laborshed is an area or region from which an area draws commuting workers. The laborshed is, by definition, an area larger than the central city that attracts commuting workers. So, the respondents in the 2008 study include individuals who are not residents of Dubuque, but who commute to work in the city. Page 10 Copyright 2009 101.03 earys Lk Grant t isconsin 9612 3 ois East .buquc ;ISs L'JJIL 1 Lace Switzer Lk Source: U.S. Census Bureau ALTAVISTA The laborshed study identified industry employment (for both percentage of employment in the laborshed as well as the corresponding number of employed within that industry), and the following were found to be the top ten employing industries (in descending order of relative size of employment): manufacturing, health care and social services, education, wholesale and retail trade, finance /insurance /real estate, public administration and government, construction, transportation /communication /utilities, personal services, and agriculture. To place in context, Dubuque MSA is tied for 41st for lowest unemployment rate (out of 372 MSAs nationwide). Note: these June 2009 figures are not seasonally adjusted and can be retrieved from the Federal Bureau of Labor Statistics (BLS) at http: / /www.bls.gov /web /laummtrk.htm in addition to HUD's SOCDS July figures included in the previous table. The BLS figures may be adjusted /revised in the following months based on updated data. Page 11 Copyright 2009 r ALTAVISTA Company Industry John Deere & Co. Manufacturing IBM Information Technology Mercy Medical Center Health Services Wal -Mart Stores Retail Trade Eagle Window & Door Inc. Manufacturing Medical Associates PC Health Services Hy -Vee Food Stores Retail Trade Finley Hospital Health Services Prudential Retirement Services Financial Services Custom -Pak Manufacturing Flexsteel Industries Inc. Manufacturing Thermo - Fischer Scientific Manufacturing Loras College Education Exide Technologies Manufacturing Collis Manufacturing Community Care Health Services Equistar Chemical Manufacturing Hillcrest Family Services Human Services Rock -Tenn Converting Manufacturing McKesson Corp Information Technology Diamond Jo Casino Gaming McGraw Hill Publishing Woodward Communications Publishing Employer Base The employer base and type of major employment continues to change and diversify since the last consolidated plan. The most notable development has been the 1,300 jobs created via IBM's recent relocation of a technical services center to Dubuque. That said, manufacturing still represents a significant portion of the employer base. According to Iowa Workforce Development and Prosperity Eastern Iowa, the Dubuque area's largest employers and industries include the following: Table 2. Major Dubuque Employers by Company and Type of Industry Page 12 Copyright 2009 r ALTAVISTA Population and Household Data Following requirements of the U.S. Constitution and federal law, the U.S. Census Bureau conducts a decennial enumeration of the population. Originally such an enumeration was used primarily for the determination of representation in the U.S. House of Representatives. In modern times the Census provides an opportunity to study the population and detailed demographic, social, economic, trends and developments. This information provides policymakers essential information as the size and scope of government and government programs serving the population increases. This enumeration has been understood to require the actual counting of individuals (via door - to -door census takers, etc.) and cannot be accomplished by estimations or probabilistic approaches. However, the Census does make yearly population estimates for varying levels of jurisdiction and has several efforts in the years between full census taking to chronicle the population of the United States. One such non - decennial effort is the ACS. The population and household information provided in this section relies on the 2000 Census and the 2005 -7 ACS, as well as other sources. According to the 2000 Census, Dubuque experienced a .2 percent increase in population from the 1990 full enumeration. Calculating the percent change from 2000 to the current ACS figure cannot be offered as a fully defined number in that the ACS is an estimate and the 2000 Census is a 100 percent enumeration. However, change can be reported with reference to the range established in the estimation —the so called confidence level and margin of error (MoE). Throughout this report the margin of error will be reported and calculations of change across years will account for the upper and lower range limits established by the MoE. According to the Population Estimates Program of the Census Bureau (unlike the ACS, this is the official estimates of population), the 2007 population of Dubuque was 57,313. For 2008 the Population Estimates Program estimated Dubuque's population at 57,250. This 2007 estimate represents a change of -.65 percent from the 2000 Census full enumeration (2000 Census enumeration of 57,686) and the 2008 estimate a further decrease for a total of -.76% since 2000. It should be noted here that the Population Estimates Program employs an estimate base that may be slightly different than the Census figure. The 2000 Census represented a .2 percent increase from the 1990 Census. Using the ACS population estimate of 56,853 ( +/- 888), the change represents a -1.4% change. Considering the 90% confidence level, it is of interest to consider that the population estimate translates to a 90% confidence that the actual population falls in the range of 57,741 to 55,965. Considering the top and bottom limit associated with this estimate, the population could actually correspond to a .1% increase in population to a decrease of 2.9 %. Either outcome is just as likely. Regardless of measure, it is clear that the city's population has not experience a strong increase in population that has manifested itself in measurable form through the Census and its population estimates. These population estimates that largely indicate a decrease in population runs counter to the impression of many in Dubuque. While it is very difficult to provide a conclusive explanation for this disparity between perception and reality, there is one very obvious and very likely explanation. Over the same period of time (2000- present), two of Dubuque's principle bedroom communities have experienced very significant growth. These two jurisdictions are Asbury and Peosta and their growth is indicated in the table below. Page 13 Copyright 2009 r ALTAVISTA Table 3. Growth of the City of Asbury and Peosta: 2000 Census to 2007 Estimated Population City 2000 Census 2007 Pop. Estimate % Pop. Change 00 -07 Asbury 2,450 3,754 +53.2% Peosta 651 1,129 +73.4% Both of these cities took their place among the top ten fastest growing Iowa communities since the 2000 Census. It is reasonable to believe that much of this growth is from outmigration from Dubuque City. In one case, the City of Asbury, one would be forgiven if as they were driving they did not realize that they had entered another jurisdiction. Asbury abuts Dubuque on Dubuque's West End and is considered by many to be an extension of the city. Annexation discussions have long been a subject for locals and the issue has both opponents and supporters. Regardless, the West End expansion of Dubuque, housing, retail, manufacturing, technology, etc. has been coupled with a spillover effect into Asbury. The second bedroom community experiencing significant growth, the City of Peosta, is further west of the city, but there is every indication that this localities growth is also due to the westward outmigration of former residents of Dubuque. This explanation of the rather stagnant total population figure for the City of Dubuque sheds light on what is really happening. Consistent with projections from Iowa Workforce Development, ECIA, and other government agencies, the Dubuque MSA is experiencing growth and will likely continue. And, those entering the city and replacing those who have left for western bedroom communities have different demographic characteristics. The city's demographics continue to diversify at a significant rate, while the outside communities tend to possess a stable demographic composition (apart from their increase in total population, of course). Page 14 Copyright 2009 Source: U.S. Census Bureau r ALTAVISTA The following table provides a breakdown of the age cohort size within Dubuque's population. Dubuque continues to have a larger and older than average population. Table 4. Me Cohorts as Percent of Total Population: 2000 Census and 2005 -7 ACS (All numbers correspond to cohort's percentage, %, of total population) 2000 2000 2000 05 -07 05 -07 05 -07 Dubuque Iowa U.S. Dubuque Iowa U.S. <5 yrs. 6.2% 6.4% 6.8% 6.2% ( +/ -0.6) 6.5 % ** 5 -9 yrs. 6.6% 6.9% 7.3% 6.0% ( +/ -0.8) 6.4% <18 yrs. 23.6% 25.1% 25.7% 21.6 %* 23.9% 18 -64 yrs. 59.8% 60% 61.9% 61.7 %* 61.4% 65 yrs. + 16.5% 14.9% 12.4% 16.7% ( +1 -0.6) 14.7% 75 -84 yrs. 6.1% 5.4% 4.4% 6.5% ( +/ -0.5) 5.4% 85+ yrs. 2.7% 2.2% 1.5% 2.8% ( +/ -0.5) 2.3% Page 15 Copyright 2009 6.9%** 6.6% 24.7% 62.9% 12.5% 4.5% 1.7% Source: U.S. Census Bureau *Given the ACS reporting, the margin of error is not calculated for this particular age cohort and is derived here by subtracting out from the population estimate totals. It is reasonable to assume a margin of error similar to the other age cohorts (0.6 -0.8 percent) * *The margin of error for all age cohorts in this column is +1- 0.1 The data above indicate Dubuque's population has a larger elderly cohort than either Iowa or the nation. Keeping with HUD Comprehensive Housing Affordability Strategy (CHAS) guidelines and past practices with consolidated plans, the following section provides tables and data on population, including special population categories such as the disabled, households, and areas of racial and low- income population, etc. The information that follows largely corresponds to the CHAS tables produced in previous consolidated plans. r ALTAVISTA Table 5. CHAS Population Race 2000 Census* Change 00- 05/07* **** (of one race reporting) 05 -07 ACS (MoE) White 55,466 53,804 ( +/ -881) 96% -3% Black 700 1,206 ( +1 -273) 2.2% +72.3% American Indian or 112 94 ( +/ -62) 0.2% -16% Alaska Native Asian 390 579 ( +/ -151) 1.0% +48.5% Native Hawaiian or 65 69 ( +1 -106) 0.1% +6.2% Other Pacific Islander Other 400 310 ( +1 -270) 0.6% -22.5% Two or More Races 553 791 ( +/ -240) 1.4% +43% Total Pop. 57,686 56,853 ( +1 -888) 100 %*** -1.4% Hispanic (of any race) ** 911 1,121 ( +1 -260) 2.0% +23.1% Household Pop. 53,519 53,739 ( +/ -881) 94.5% Non - Household Pop. 4,167 * * ** *Totals from revised 2000 census ** The Census Bureau guidelines consider race and Hispanic origin to be two separate and distinct concepts Therefore, Hispanics and Latinos may be of any race Furthermore, the 2000 Census included a bifurcated categorization of ethnicity -- Hispanic or Latino and Not Hispanic or Latino The significance of this issue of race and ethnicity remains as the vast majority of Hispanics consider their race to be white ** *Due to rounding, the column % of population does not equal exactly 100% * * * *05 -07 ACS does not separately report an estimate of non - household population and thus no margin of error, but given the estimate for household population the total is likely to be 3,114 +1- x * * ** *given the ACS margin of error (MoE), it may be of interest to establish the high and low limits Again, the ACS reports these MoE at the 90% confidence level, so the actual number is within that MoE range at a 90% probability (in simplest terms the actual number is to be within the high and low created by the MoE 90 times out of 100, and the actual number is just as likely to be at or near the upper end as the midpoint or bottom limit) Page 16 Copyright 2009 05 -07 % of Pop. % Pop. r ALTAVISTA CHAS Special Categories Population Of the population in so- called special categories (e.g., students, military, etc.), the ACS provides estimates for the disabled population, students, and the military. The ACS estimates 56 individuals ( +/- 55), or roughly .1% of the population are estimated to be military, while roughly 4,000 individuals are estimated to be enrolled in college as undergraduates, 600 in graduate school, and roughly 10,000 other students are enrolled from preschool through high school. Beyond the military and students, another special category of population are those with disabilities. From the ACS, 16.5% ( +/- 1.6) of the population 5 years or older are estimated to have one or more disabilities, 10.1% ( +/- 3.1) of those 5 to 15 years of age, and 12.9% ( +/- 1.8) of those 16 to 64 years of age are estimated to have one or more disabilities. These disabilities include sensory, physical, mental, and employment disability. Disability is more concentrated in the population 65 years of age or older, with 37.5% of these persons estimated to have one or more disabilities ( +/- 3.9). Employment status is often a concern within the disabled population and those agencies tasked with providing for the special needs within a community. Of those 16 -64 years of age, the ACS estimates 48.1% of those with one or more disabilities are employed ( +/- 5.6), whereas an estimated 82.3% ( +/- 2.0) of population without disability are employed. The following is a detailed table on disability gathered from 2005 -7 ACS data. Table 6. 2005 -7 ACS Estimates Disabled Population by Age: City of Dubuque Age Total (MoE) Population 5 years and over 52,144 ( +1 -832) Without any disability 83.5% ( +1 -1.6) With one type of disability 7.8% ( +1 -0.9) With two or more types of disabilities 8.7% ( +1 -1.2) Population 5 to 15 years With any disability Population 16 to 64 years With any disability With an employment disability Population 65 years and over With any disability With a sensory disability With a physical disability With a mental disability With a self -care disability With a go- outside -home disability 7,197 ( +1 -422) 10.1% ( +1 -3.1) 36,522 ( +1 -714) 12.9% ( +1 -1.8) 7.1% ( +1 -1.3) 8,425 ( +1 -363) 37.5% ( +1 -3.9) 16.1% ( +1 -2.8) 24.5% ( +1 -3.8) 10.0% ( +1 -3.0) 6.9% ( +1 -1.9) 13.4% ( +1 -2.5) Source: U.S. Census Bureau From the data above it is clear that there is a not - insignificant number of disabled persons, and the number of disabled amongst the elderly is more than twice as high than other groups. Page 17 Copyright 2009 r ALTAVISTA The following table provides insight into the connection between poverty status and disability in Dubuque. Table 7. 2005 -7 ACS Poverty Status and Disability Total (MoE) Population 5 years and over for whom poverty status is determined 50,483 ( +/- 820) With any disability Below poverty level With a sensory disability Below poverty level With a physical disability Below poverty level With a mental disability Below poverty level With a self -care disability Below poverty level No disability 42,051 ( +1- 1,085) Below poverty level 9.3% ( +/ -1.5) Population 16 to 64 years for whom poverty status is determined 34,969 ( +/- 714) With an employment disability Below poverty level There is much to consider in the data above, however one general note of interest is the higher than average rates of poverty for those with disability. Simply put, individuals in Dubuque with a disability are roughly twice as likely to be in poverty as those without a disability. Likewise, according to the ACS data, a person with a disability in Dubuque is roughly twice as likely to be unemployed than an individual without a disability. Homeless Population The homeless present another special population of concern for the community and CHAS. Data from both the HUD - mandated annual reporting to both state and federal authorities as well as the "Point in Time" (PIT) report (a snapshot of homelessness on a given day —in 2009 this day was January 28th) is referenced in this report. Both of these reports were provided by the Project Concern Services Director Jenny Manders. Project Concern is a local non - profit agency providing referral and other services to those with Page 18 Copyright 2009 8,432 ( +1 -829) 20.1% ( +1 -4.2) 2,495 ( +1 -399) 12.7% ( +1 -5.9) 4,438 ( +/ -639) 20.9% ( +1 -5.0) 3,695 ( +1 -579) 27.9% ( +1 -7.2) 955 ( +1 -180) 8.4% ( +/ -6.3) 2,543 ( +1 -469) 27.0% ( +/ -7.5) Source: U.S. Census Bureau r ALTAVISTA unmet needs in the community — including the homeless. The data provided only reflects those who have sought services from the community groups and agencies, and cannot betaken as a full enumeration of the homeless population. In addition, the annual reporting referenced here does not include the city's largest homeless shelter, the Dubuque Rescue Mission. Given their funding status, the Rescue Mission, as well as the Hope House Shelter, is not required to follow the HUD reporting requirements. The annual reporting requirements are mandatory for those agencies and groups receiving government monies for providing services to homeless. The agencies included in the annual reporting data are as follows: Hillcrest Family Services, Maria House, and Project Concern. Both the Rescue Mission and Hope House are, however included in the PIT report. Again, that PIT report is merely a one day snapshot of homelessness. For the calendar year 2008 -2009 the agencies listed above reported 455 unique individuals (referred to in the data and reporting mechanisms as `clients') seeking assistance. In total during this time period, 618 individuals sought services. Given the difference between unique individuals seeking assistance and the total number of clients, it appears that at most 156 individuals sought services on more than one occasion. It may be that the difference is made up of a smaller number of individuals who were in and out of these shelters on multiple occasions within the year. This does not imply, however that the 455 individuals simply sought shelter for one night, but rather they registered with the shelter for assistance, whether that translated to one night or longer. Table 8. Homeless Population in Dubuque Calendar Year 2008 -2009: Selected Characteristics* (n =618) Race Gender Age Length of Stay ** 56% White 62% Female 30% Black 36% Male 7% Multi -race 2% No Response 2% American Indian/ Alaskan Native 2% Native Hawaiian/ Pacific Islander 2% No Response 34 6% <18 y/o 623% > =18y /o 3% Unknown *Due to rounding all categories do not equal 100% * *Categories are not mutually exclusive, so category total does not equal 100% Source Importantly, children comprise 34% of the homeless population reported in the annual data (211 of 618 clients). In addition, adults in families comprise 18% of the homeless population in the annual data. All told, essentially half of all the homeless in this annual Page 19 Copyright 2009 22% 15% 15% 34% 11% >1 week < 1 month >3 months <1 year 1 -3 months <1 week 1 year or more Project Concern r ALTAVISTA report are either children in families or adults in families. One way to express this is to say that of all the people seeking homeless services, half of them are individuals in families. It must be re -noted and re- stressed here, however, that these annual figures do not include the single largest homeless shelter in Dubuque, and that this shelter is not a family shelter and houses adults only. Additional items of note reveal themselves in the Project Concern data for calendar year 2008 -2009. Of those seeking services in this period, 86% were listed as homeless. Furthermore, 40% indicate a disability. Those reported with a disability are those individuals who indicate they receive services for a disability. Additionally, 54% of those seeking services were registered as unemployed. In all, 48% of individuals were listed as first time homeless, with 31% as experiencing their second or third period of homelessness. Thirty -one individuals were listed as chronic homeless (corresponding to roughly 5% of total population seeking services). Chronic homelessness is a HUD term for someone who is homeless for one year or longer or who has had four episodes of homelessness within the last two years. It should be noted here, however, that per HUD definitions families are not classified as being homeless. In general, females and African - American individuals are disproportionately represented in the homeless population in Dubuque compared to their general presence in the total population. Examining the PIT data from January 28th, 2009, 96 individuals were homeless, with 66 adults and 30 children comprising that total number of clients. Again, this data represents merely a one night survey of homelessness. A picture of the city's homeless is incomplete without consideration of the largest shelter in Dubuque, the Dubuque Rescue Mission. The Mission is open only to adult male, and is a 31 bed facility also open for meals. The Rescue Mission compiles statistics on what they call "bed nights." This statistic corresponds not to the number of unique individuals who are provided shelter, but rather the total number of used beds (this figure does not allow for a determination of how many people received a bed, just how many beds were provided). The Mission has registered a high -level of activity in 2008 -9 and in the current year. In 2008 the Rescue Mission provided 8,671 bed nights and 44,233 meals. While there are certainly times when beds are used at a higher frequency (e.g., winter months), it is clear that the shelter sees a high rate of use throughout the year. Given the size of the facility, in a given year (assuming the facility is operational every day of the year) the shelter could provide a maximum of 11,315 bed nights. In all, 76.6% of these possible bed nights were accounted for. And as stated, the use of the facility is not evenly distributed across the year. So, the shelter clearly spends a good deal of its year at or very near its capacity for beds. In terms of meals, across the year the Rescue Mission averaged 121 meals per day. Looking at this year's data, the Rescue Mission has already provided 7,748 bed nights (as of Nov. 4) and has served over 36,287 meals. Considering the date of the data, the shelter was operating for 308 days. This provides a possible 9,548 bed nights so far this year, and an 81% rate of use of possible bed nights. Looking at these averages across the year so far it is clear that the Rescue Mission is running ahead of its previous year's bed night count. Furthermore, it has served 36,287 meals. Considering the number of days in the year so far, this corresponds to a daily average of 118 meals, essentially unchanged Page 20 Copyright 2009 r ALTAVISTA from the previous year. Again, all of these annual averages mask the very real phenomena that the use of such shelters and services is not uniformly distributed throughout the year. In addition, individual level data, if available, would provide a strong contribution to the efforts to define and delimit the homeless population in Dubuque. Regardless, it is clear from this data that the Dubuque Rescue Mission is the central provider of shelter to the homeless male population and is also a mainstay in the efforts to feed those who cannot otherwise feed themselves. Without their work the strains on the community would be even greater. CHAS Household Information Given the nature of the ACS no full enumeration is provided and cannot really be provided here as with the 2000 Census. However, to "capture" the intent of this section, relevant data from the 2005 -7 ACS of households is provided here as well as a recitation of the 2000 data generated via HUD's SOCDS in table 9 below. Table 9. 2000 Census HUD SOCDS Households Total % of Total Lowest Lower Moderate Above <30 %M Fl MFI White 21,880 97 3 2,010 2,460 4,765 12,645 Black 226 1 79 30 58 59 Hispanic 198 8 44 14 67 73 Native American 18 < 1 4 4 10 0 Asian 68 3 8 0 20 40 Pacific Islander 4 < 1 0 0 4 0 Other 92 4 n/a n/a n/a n/a All Households 22,486 2,180 2,512 4,960 12,834 With Median Household Income estimated via the ACS at $40,341 ( +1- 1,998), the following data on economic condition of households for CHAS can be provided. It is important to note that household data is not simply equivalent to family data in that households need not be families (group of related individuals living together in same structure), but households do include families. Family and household data is provided in this report and marked by type of data. There are good reasons to be concerned with both data in that families provide a unique concern for agencies and services (because of the common presence of children), and household data is more inclusive and gives a full picture of the population and those in need. Page 21 Copyright 2009 >30% to < =50% >50% to < =80% M Fl Source HUD SOCDS r ALTAVISTA Table 10. ACS Estimates of Household Income Levels by Percentage of Total Households Total Households 23,651 ( +/- 499) Household Income % of Total Households (MoE) <$10,000 7.8 ( +/- 1.4) $10- 14,999 7.2 ( +/- 1.2) $15- 24,999 13.9 ( +/- 1.6) $25- 34,999 14.9 ( +/- 1.6) $35- 49,999 15.7 ( +/- 1.8) $50- 74,999 20.8 ( +1 -2.1) $75- 99,999 9.7 ( +/- 1.3) $100 - 149,999 7.1 ( +/- 1.0) $150- 199,999 1.1 ( +1 -0.4) $200 + 1.7 ( +1 -0.5) Source: U.S. Census Bureau Another important category of the economic condition of residents is by family income. Not all households are families, but all families are also households. The ACS provides an estimate of Median Family Income (MFI) for the community and a breakdown of families and their level of family income. This information is provided in table 11 below. Median Family Income (MFI) is estimated by the ACS to be $53,758 ( +/- $3,501). Table 11. ACS Estimates of Family Income Levels by Percentage of Total Families Family Income % of Total Families (MoE) <$10,000 4.4% ( +1- 1.5 %) $10- 14,999 3.7% ( +1- 1.3) $15- 24,999 9.3% ( +1- 1.9) $25- 34,999 11.4% ( +1- 2.0) $35- 49,999 17.4% ( +1- 2.2) $50- 74,999 25.4% ( +1- 2.9) $75- 99,999 13.3% ( +1- 2.0) $100- 149,999 10.7% ( +1- 1.7) $150- 199,999 1.7% ( +1- 0.7) $200,000 + 2.6% ( +1- 0.8) Source: U.S. Census Bureau The ACS is by no means the only source for estimates of income. For instance, HUD provides yearly estimates of MFI for metropolitan statistical areas (MSA). 2009 HUD estimates for the Dubuque MSA indicate a MFI of $62,500. It should be noted that since this estimate is an MSA estimate, it includes the outlying areas beyond the boundaries of the City of Dubuque. For clarity, table 12 below provides a comparison of MSA, city, and national MFI for 2007 -the last year for which fully comparable data is available. To utilize the most current data, table 13 below compares Dubuque MSA MFI with the national MFI figures. These 2009 estimates were not used in table 12 because there is no equivalent City of Dubuque MFI calculation without the MSA distinction (i.e., the 2009 estimates include areas technically beyond the city limits). Page 22 Copyright 2009 r ALTAVISTA Table 12. 2007 Estimated MFI of Dubuque with Comparables Dubuque MSA MFI $59,500* $53,758 ( +/- $3,501) ** 60,374 ( +/- $76) ** Note: The Federal Financial Institutions Examination Council ( FFIEC) is the national government agency establishing standards for examination of financial institutions. These standards and practices are used by such federal agencies as the Federal Deposit Insurance Corporation (FDIC). In addition, the FFIEC is the agency for reporting and disseminating mortgage disclosure data in compliance with the Home Mortgage Disclosure Act. As such, the agency is a key element in the consideration of fair lending practices and is used as a data source in other sections of this report. Table 13. 2009 Estimated MFI of Dubuque with Comparable Dubuque MSA MFI $62,500 City of Dubuque MFI National MFI Sources: FFIEC & HUD *, U.S. Census Bureau ** National MFI $64,000 Source: FFIEC and HUD It is of interest to look into median family income figures for various subgroups (see table 14 below). One important note for service agencies is the relative financial health of single households with children. One way to gauge the financial pressures facing such households is to look at the estimates of median family income for these subgroups. This estimate provides a picture on the relative economic strength of these families. The poverty rates estimated in the section below further testify to these concerns. Table 14. ACS Estimates of Median Family Income by Selected Family Type Family Type MFI (MoE) Single -woman with own children < 18 years of age $18,007 ( +1- 6,935) Single -male with own children < 18 years of age $16,922 ( +1- 12,927) Female no children present $30,809 ( +/- 11,633) Male no children present $39,286 ( +1- 6,065) All families $53,758 ( +/- $3,501) Source: U.S. Census Bureau Page 23 Copyright 2009 r ALTAVISTA From the data above it is clear that single - parent households face serious income disparity from other family types. Considering the greatest at -risk groups for housing cost burdens, it is clear that female householders without a husband present and with own children under 18 years of age represent one of the groups most struggling with income. According to the SACS estimates, the MFI for such households is $18,000 ( +/- 6,935). This compares to the MFI for total population of $53,758 ( +/- 3,501). Income pressures exist for single male householders with children as well, but with the very large margin of error it is likely that the sample of this population is so small as to be problematic for the current needs assessment. Following the addition of data from 2009 and 2010, however, this margin of error may decrease. Low - income Population Unlike the previous consolidated plan and its analysis of census data, the current analysis does not have a full and complete data collection upon which to draw information on individuals, households, families, etc. and economic stresses. The ACS dataset for Dubuque is not complete and will only include census tract information in 2010. The ACS provides estimates on poverty and Dubuque's population. The ACS estimates 9.6% ( +/- 2.2) of all families had income in the past 12 months below the poverty line. The U.S. Census Bureau recommends caution when comparing poverty figures in the ACS with the decennial census. Whereas the decennial census collects respondent income information from the previous calendar year (e.g., 1999 income for 2000 Census), the ACS asks for income in past 12 months and given the sampling procedures and the multi -year nature of the ACS as it applies to Dubuque (2005, 2006, and 2007 years create the current 3 year ACS estimate), the ACS does not use the same fixed point. The poverty data from the ACS could include multiple /overlapping periods whereas the decennial census is a snapshot using the same fixed calendar. To further clarify, the ACS could record income data from someone from 2005, additional data from individuals reporting their income from 2006, and still more in that same 3 year estimate would come from 2007. Mindful of this potential problem for comparisons, a study created by the Census Bureau indicated that the decennial census has a tendency to register higher income figures than the ACS. While the strength of the ACS may be its rolling nature and data collection, the drawback is that it cannot as easily register a snapshot of poverty for a narrow timeframe for the entire population (the ACS can provide an estimate for multiple years). These cautions and caveats aside, the ACS figures mark, accounting for the margin of error, an increase of anywhere between 34.5% and 114.5 %. Of all families with related children under 5 years of age only, an estimated 23.7% ( +/- 11.2) are below the poverty line, while the percentage of impoverished families was estimated to be even greater among those families composed of non - married mothers with related children under 5 years of age only (60% +/- 6.5 for this subgroup). The picture is only slightly better for those non - married mothers with related children less than 18 years of age as 45.1% ( +l- 12.3) were estimated to be below the poverty line. In Page 24 Copyright 2009 r ALTAVISTA composite, 39.6% ( +I- 9.6) of female householder (no husband present) families were estimated to be below the poverty line. Beyond the consideration of poverty and families, the ACS also provides data on poverty among people. Of those less than 18 years of age, the ACS estimates 17.2% ( +1- 4.9) are below the poverty line. For all people an estimated 11.9% ( +1 -1.7) are below the poverty line, with the subgroups of 18 -64 years of age and 65 years of age and older, estimated to have lower rates of poverty (10.3 %, +l- 1.2 and 8.8 %, +l- 1.8, respectively). Additional and more detailed information on poverty and census tract and bloc level data cannot current be directly taken from the ACS via the public microdata system (microdata are essentially the responses provided on each of the ACS questionnaires - with identity markers scrubbed). For localities with fewer than 100,000 residents this data is not available from the Census Bureau (due to privacy concerns). However, additional localized poverty estimates have been made as part of a recent Keyline Transportation study provided for the City of Dubuque by LSC Transportation Consultants, Inc. Those estimates for selected census tracts (those commonly identified as having distinct populations in need or worse than average conditions) are provided below. Tract 8.01 was added in the table below given its relatively high estimate of poverty (9.4 %). In addition to these estimates, data from FFIEC related to 2009 estimated MFI of the same tracts is provided in the same table. The LSC transportation study also estimated minority population concentrations and those estimates are referenced in sections below. Table 15. Estimated Poverty Status and MFI in Selected Census Tracts Census Tract Estimated % in Poverty* Tract MFI ** 1 23.9% $33,300 53.3% 3 4.3% $55,313 88.5% 4 11.2 $53,869 86.2% 5 15.6% $45,025 72% 6 10.3% $63,531 101.7% 7.01 14% $58,519 93.6% 7.02 11.5% $53,881 86.2% 8.01 9.4% $67,931 108.7% Sources: *LSC, * *FFIEC Tract MFI % Dubuque MSA MFI ($62,500) ** Given the various current programs and initiatives in the city, as well as past consolidated plans, it is no surprise that tracts 1, 5, and 7.01 indicate such hardship. Looking beyond the level of census tract, table 16 below provides a basic comparison of estimated families in poverty by tenure (owner v. renter). To gain a richer understanding of poverty in Dubuque as estimated in the ACS, it may be beneficial to examine poverty status by type of family and tenure. This data is provided in table 17. Page 25 Copyright 2009 r ALTAVISTA Table 16. ACS Estimated Poverty Status for Families by Tenure Total (MoE) Total Families 14,534 ( +/- 507) Income in Past 12 Months Below Poverty Line 1,396 ( +/- 328) Owner - occupied Renter- occupied 11,099 10,081 1,018 2,039 539 330 209 1,500 950 550 Page 26 Copyright 2009 320 ( +/- 146) 1,076 ( +/- 299) Source: U.S. Census Bureau Table 17. ACS Estimated Poverty Status by Household Type and Tenure Total (MoE) Total Households: 14,534 ( +/ -507) Households with income in the past 12 months below poverty level: 1,396 ( +/ -328) Married - couple family: 215 ( +/ -128) Owner occupied 93 ( +/ -81) Renter occupied 122 ( +/ -98) Other families: 1,181 ( +/ -317) Male householder, no wife present: 198 ( +/ -129) Owner occupied 68 ( +/ -51) Renter occupied 130 ( +/ -111) Female householder, no husband present: 983 ( +/ -283) Owner occupied 159 ( +/ -117) Renter occupied 824 ( +/ -249) Households with income in the past 12 months at or above poverty level: Married - couple family: Owner occupied Renter occupied Other families: Male householder, no wife present: Owner occupied Renter occupied Female householder, no husband present: Owner occupied Renter occupied 13,138 (+1-543) ( +/ -530) (+/-506) ( +/ -286) ( +/ -386) ( +/ -187) ( +/ -135) ( +/ -133) ( +/ -324) ( +/ -240) ( +/ -213) Source: U.S. Census Bureau A few stark observations from the preceding two tables are that families renting are more than 2 times more likely to be reported as a family with income below the poverty line, roughly 75% of all households determined to be below poverty line are renter occupied, and female householders (no husband present) are significantly more likely to have household income below the poverty line. r ALTAVISTA Areas of Racial /Ethnic Minorities and Low - Income Population Data is not currently available for a direct comparison of census block and tracts from the 2000 Census. ACS data at the block and tract level will likely be available in 2010. The ACS surveys are currently available through the Census Bureau's public microdata system, thus allowing some consideration of tract and block info. However, due to confidentiality concerns such microdata are not available for population centers of less than 100,000 persons. This data, therefore, is not accessible yet, but may be made available for census tracts in 2010. As mentioned above, a 2009 transit commissioned by the City of Dubuque for the city's Keyline Transit System provides an estimate of minority and poverty populations by census tract and blocks. Important and relevant elements of the report from LSC Transportation Consultants, Inc. are cited below, and the full report can be accessed at http:// www. cityofdubuque .org /index.aspx ?NID =1212 and via LSC's website at http://lsccs.com/current_projects.htm. The population estimates can be found in the Technical Memorandum #1, chapter II. Beyond the recent transit study, the FFIEC publishes yearly census data highlighting demography, income, population and housing information by census tract. This data is compiled from both the census and HUD. The FFIEC provides data by census tract for Dubuque and updates several areas of the data yearly (e.g., median family income). However, these updated areas are used in addition to static 2000 census figures such as minority population. So, the FFIEC data updates on several economic indicators by census tract — including estimates, but there is not a new estimate of the racial composition of the same tract, for instance. Only the updated FFIEC categories are included in the table below. As such, while the LSC estimates are 2008 figures, the FFIEC MFI figures (both MSA MFI and the tract percentage of MSA MFI) are 2009 figures. Page 27 Copyright 2009 r ALTAVISTA Table 18 below merges LSC estimates with FFIEC data on the same selected census tracts. Table provides a picture of estimated economic and demographic conditions, including race, poverty, and MFI for tract and its relative percentage of Dubuque MSA MFI. Table 18. Estimated Minority Population. Poverty, and MFI with MSA Comparisons by Census Tract 2008* 2008* 2008* 2009 ** 2009 Est. ** Census Est. Est. % Pop. Est. % Pop. Est. Tract Tract MFI as Tract Pop. Minority in Poverty MFI %MSA MFI 1 2,980 16.5% 23.9% $33,300 53.3% 3 2,256 6.3% 4.3% $55,313 88.5% 4 4,169 <1% 11.2% $53,869 86.2% 5 4,266 6% 15.6% $45,025 72% 6 3,746 6.3% 10.3% $63,531 101.7% 7.01 3,825 8.2% 14% $58,519 93.6% 7.02 3,597 2.4% 11.5% $53,881 86.2% 8.01 4,927 2.5% 9.4% $67,931 108.7% 8.02 3,443 1.2% 2.7% $77,406 123.9% 9 3,998 3.1 % 6.3% $59,294 94.9% 11.01 3,663 1.2% 2.1% $68,863 110.2% 11.02 5,770 3.5% 6.1% $61,150 97.9% 12.01 4,197 4.3% 6.6% $65,756 105.2% 12.02 2,053 2.2% 7% $59,800 95.7% 12.03 6,282 4.3% 3.9% $73,794 118.1% 101.01 2,015 2.2% 6.7% $53,513 85.6% 101.03 2,734 1.4% 4.6% $59,638 95.4% There is much of interest in table 18, but one thing of note is that four of the five most racially diverse census tracts are also among the top five tracts for the prevalence of poverty, and the single most diverse census tract is also clearly the most impoverished. Simply put, Dubuque's most racially mixed areas are its most impoverished. The previous pages have provided a picture of the people of Dubuque and the following pages attempt to capture where and how these people live. General Housing Market and Inventory Analysis of Existing Housing Stock The 2005 -7 ACS provides information on the city's existing housing stock during the 3 year data period. The information collected largely follows that of the full enumeration in the decennial census and is comparable (acknowledging, of course, the margin of error and confidence level at which the ACS is reported -the ACS as estimate must always be acknowledged in such comparisons, as it has in the previous section on demography). Throughout the housing stock discussion below it is important to note that the level of `exactness' from the ACS is not that of the long -form decennial census. Regardless, the Page 28 Copyright 2009 Sources: *LSC, * *FFIEC r ALTAVISTA ACS provides important data and an opportunity to gauge change and developments in the city and its housing stock. Units and Occupancy In the ACS, as well as the decennial census, a housing unit is defined as follows: "a housing unit may be a house, an apartment, a mobile home, a group of rooms or a single room that is occupied (or, if vacant, intended for occupancy) as separate living quarters. Separate living quarters are those in which the occupants live separately from any other individuals in the building and which have direct access from outside the building or through a common hall." In regards to housing, one specialized category and its subsets should be noted here. Both the Census and the ACS differentiate housing units (defined above) from group quarters. Group Quarters are defined as "a place where people live or stay that is normally owned or managed by an entity or organization providing housing and/or services for the residents." For Census and ACS purposes group quarters are further divided into two subgroups — institutional (e.g., correctional facilities, nursing homes, etc.) and non - institutionalized (e.g., college /university dormitories, religious group homes, etc.). According to the 2005 -7 ACS, Dubuque contains 25,273 housing units ( +/ -266). This marks an increase from the 2000 Census total housing unit figure of 23,819. Taking into consideration the MoE, this represents an increase of 5.8 %, with the upper limit of change being 7.2% and the lower limit 5 %. This change in total housing units largely mirrors the change from the 1990 to 2000 Census (roughly a 6% change). Of the housing units identified in the ACS, 23,651 ( +/- 499) were classified as occupied, with 1,622 ( +/- 446) classified as vacant. In relation to the total housing units, occupied units represent 93.6% ( +/- 1.8) with vacant units representing 6.4% ( +/- 1.8). The ACS reports a rental vacancy rate of 9% ( +/- 4.8) and a homeowner vacancy rate of .4% ( +/- 0.5). The ACS occupancy rate marks a decrease from the 2000 Census figure of 94.7% occupancy rate. Of the total occupied housing units identified by the ACS, 16,590 ( +/- 529) were identified as owner - occupied, with 7,061 ( +/- 639) identified as renter - occupied. Of the total occupied units, owner - occupied represent 70.1% ( +/- 2.4) and renter - occupied the remaining 29.9% ( +/- 2.4). The Dubuque Housing Department's current assessment of total rental stock is 7,800 units. In the previous assessment of total licensed rental stock in 2004, the city had 7,626 total rental units. This represents a 2.3% increase in licensed rental units from 2004 to 2008. This full enumeration is consonant with the findings of the ACS considering the estimated vacancy rates and margin of error. It is important to note the relative population of Dubuque within renter - occupied and owner - occupied units respectively. According to the ACS, 39,759 individuals ( +/- 1,332) are in owner - occupied housing units and 13,980 ( +/- 1,429) are in renter - occupied units. Therefore, roughly 66% of the population resides in owner - occupied units. Page 29 Copyright 2009 r ALTAVISTA To summarize the significant points concerning occupancy: Vacancy Q According to the 2005 -7 ACS, Dubuque contains 25,273 housing units ( +1 -266). The city experienced a 5 -7.2% increase in its total number of housing units since 2000. This increase is a continuation of the trends from the 1990 Census to the 2000 Census. Q According to ACS estimates, Dubuque's overall housing occupancy rate was 93.6% ( +/- 1.8) for 2005 -7; Because of the 1.8% MoE it is not appropriate to claim an increase or decrease from the 2000 Census occupancy rate of 94.7 %. It is possible to state, however, that the the ACS figure is a continuation of the trend of lower occupancy rates in Dubuque since the 1990 Census (1990 occupancy figure of 95.8% falls beyond the MoE for the 2005 -7 ACS data). • Of all occupied units identified in the ACS, 16,590 ( +/- 529) were identified as owner - occupied, with 7,061 ( +/- 639) identified as renter - occupied. Of the total occupied units, owner - occupied represent 70.1% ( +/- 2.4) and renter - occupied the remaining 29.9% ( +/- 2.4). This ratio of owner - occupied to renter - occupied continues the trend towards a higher percentage of owner - occupied units among Dubuque's total occupied housing inventory. Compared to the 2000 Census there is a greater percentage of owner - occupied housing units and fewer renter - occupied housing units. • Dubuque has experienced a 2.3% increase in its licensed rental units Q According to the ACS, 39,759 individuals ( +/- 1,332) are in owner - occupied housing units and 13,980 ( +/- 1,429) are in renter - occupied units. A `vacant' housing unit is one in which no one is living during the interview period unless its occupants are only temporarily absent. Following the Census Bureau's definition of vacancy, the ACS indicated a total of 1,622 ( +/- 446) vacant housing units. As a total of all housing units this represents 6.4% ( +/- 1.8) of housing stock. For comparison, the 2000 Census indicated a vacancy rate of 5.3% and an absolute number of vacant housing units of 1,259. Of the estimated 1,622 vacant housing units, 836 ( +/- 395) are indicated to be offered for rent or sale only and rented or sold but not yet occupied. All other vacant units total 786 ( +/- 272). Included in these other vacant units are those for which the occupant is residing elsewhere 135 ( +/- 107). This category could include individuals with more than one residence. The ACS estimates do not yet allow for a full accounting of the conditions surrounding the vacancy. While the 2000 Census provided data indicating the type of housing vacant in terms of "seasonal, recreational, or occasional use" housing units, in its current state the ACS does not provide that same data. In addition, the ACS does not yet provide reliable estimates for the various conditions of vacant property (e.g., age of structure, Page 30 Copyright 2009 r ALTAVISTA plumbing facilities, etc.). Regardless, it is clear that not all of the vacant housing units identified present active and available rental stock. From the ACS data it appears that the vacant units actively open on the sales or rental market do not even include all of the estimated 836 ( +/- 395) given that this total includes those already rented /sold but not yet occupied. Also, the category of 'other vacant' includes those not for rent or sale, etc. While it is impossible from the ACS data to determine the exact number of housing units for sale remaining vacant (thus speaking to the supply issues in the housing market and inventory), it is clear that the number of units available is certainly quite less than the total vacant housing unit figure estimated by the ACS. In addition to the limitations of current ACS data to identify the exact characteristics of the vacant properties, it is also not possible currently to impute the rental vacancy rates by census tract. This was done for the 2000 Census, but cannot be accurately replicated here. However, it is reasonable to expect that current patterns of vacancy largely follow the past trends. In addition, data from other studies may shed some light on the question. The city's vacancy rate is markedly higher for its rental units than its owned units (9% for rental units and 0.4% for owned units, +/- 0.5 and 4.8 respectively). Beyond the limits to imputation of `open inventory'— vacant housing units indicating relative housing supply within the city, several important features about the housing stock of the city can be gleaned from the ACS. Among such features is the general age of the city's housing stock. The following provides ACS estimates of housing structure age as percentage of total housing units. Table 19. ACS Estimated Structure Aae Year Structure Built % of Structures (MoE) 2005 or later 2000 to 2004 1990 to 1999 1980 to 1989 1970 to 1979 1960 to 1969 1950 to 1959 1940 to 1949 1939 or earlier Source: U.S. Census Bureau Considering the data above, it is clear that Dubuque continues to face an aging housing inventory, with over a third of its total housing stock more than 70 years old. Furthermore, approximately two - thirds of the total housing stock is 40 years or older. A consideration of age of rented versus owner - occupied structures is provided in the specific section on housing age. In addition, it is reasonable to assume that the problems with relative age of housing structures and vacancy indicated in the previous consolidated plan continue. That study found that a large percentage (59 %) of all vacant units were built in 1939 or before, and Page 31 Copyright 2009 r ALTAVISTA over 10% of vacant housing units lacked complete kitchen facilities, while 7.2% lack complete plumbing facilities. In that study, despite making up slightly more than one - third of the total housing inventory, structures built in 1939 or before accounted for approximately 60% of all vacant housing structures. Dubuque's housing inventory as estimated in the ACS continues to be older than both the state and national averages. To summarize the significant points concerning vacancy: 0 Dubuque's vacancy rate is estimated to be 6.4% ( +1- 1.8). Q The rental vacancy rate estimated in the ACS is 9% ( +1- 0.5). This is a marked increase from the 2000 Census data (8% in 2000). The ACS estimate establishes an increase of between .5 to 1.5% in rental vacancy rate. Overcrowding The U.S. Census Bureau defines an overcrowded housing unit as any in which there is more than one occupant per room (excluding bathrooms, porches, etc.). For the ACS, the national overcrowding rate estimate was 3% ( +1- .1) and for Dubuque the estimate was 0.6% ( +1- .2 to .5). The Census Bureau does not provide a fully collapsed category table for the MoE occupant per room calculations, so the +1- .2 to .5 is a statement of the MoE for the two categories collapsed here (1.01 to 1.50 occupants per room and 1.51 or more occupants per room). Owing to the limited sample size, it is currently impossible through the ACS to provide a precise tabulation of overcrowding in owner - occupied versus renter - occupied units for the city of Dubuque (the MoE is too broad to determine reliable averages across categories— renter and owner). As the dataset expands this impediment will likely be removed. However, the national figures are discernible and indicate (accounting for lower and upper bounds of MoE) an overcrowding rate in owner occupied units of 1.6- 1.7% and in renter - occupied units of 5.7 -5.8 %. The Dubuque data provides a similar impression, with renter occupied units some 3 times more likely to experience overcrowding. Overall, however, it appears that the lack of overcrowding in housing units, renter - occupied or owner - occupied, identified in the previous consolidated plan is present currently as well. As noted in the previous consolidated plan, one possible explanation for the lower than average overcrowding in Dubuque housing units may be the city's household and family size. The average household size in Dubuque is estimated to be 2.27 persons ( +1- .04) and family size is 2.89 persons ( +1- .07). Both household and family size estimated in the ACS for Dubuque are smaller than the national ACS estimates of household size - -2.6 persons ( +1- .01), and family size - -3.19 ( +1- .01). Page 32 Copyright 2009 A LTAVI S TA To summarize the significant points concerning overcrowding: Housing Type, Age and Numbers: Available Housing in Dubuque The U.S. Census Bureau classifies housing types in a number of ways. One of the more important forms is classification by number of units within a structure. Such figures provide a way to understand the forms of housing predominate in a given location. The ACS estimates for Dubuque are provided in the table below: Table 20. ACS Estimated Housina Type and Percentaae of Total Housina Inventory Estimate (MoE) %Total Units (MoE) Total Housing Units 25,273 ( +/ -266) 100% 1 unit, detached 16,050 ( +/ -537) 63.5% ( +/ -2.1) 1 unit, attached 1,261 ( +1 -341) 5% ( +1 -1.4) 2 units 1,853 ( +/ -380) 7.3% ( +1 -1.5) 3 or 4 units 1,700 ( +/ -328) 6.7% ( +/ -1.3) 5 to 9 units 1,649 ( +/ -285) 6.5% ( +1 -1.1) 10 to 19 units 708 ( +/ -213) 2.8% ( +/ -0.8) 20 + units 1,287 ( +1 -226) 5.1% ( +1 -0.9) Mobile home 765 ( +1 -191) 3.0% ( +1 -0.8) Boat, rv, van, etc. 0 ( +1 -127) 0.0% ( +1 -0.1) Considering the estimates above, roughly 2 /3rds of Dubuque housing units are single units. The largest category of housing unit complexes, 20+ units, accounts for a smaller percentage of housing units than many other categories of multi -unit structures. To summarize the significant points concerning housing type: Housing Age C✓1 Limited evidence from the ACS suggests that Dubuque continues to experience below average overcrowding in its housing units. And where overcrowding does exist, as with finding of previous studies, it is much more likely to occur in renter - occupied units than owner - occupied. Page 33 Copyright 2009 Source: U.S. Census Bureau • Single -unit structures account for the strong majority of housing units in Dubuque. • The largest scale category of housing structures account for 4.2 -6% of the housing inventory, with approximately 15% of structures including 5 or more units. r ALTAVISTA The ACS provides estimates for the age of housing units. The structure data collected refer only to when the structure was first constructed, and does not consider any renovations since the original construction. The current ACS data indicate that over 1 /3rd of structures were built 70+ years ago (37.1 %, +/- 2.2), and roughly 2 /3rds having been built 40+ years. As indicated elsewhere in this report, Dubuque has an older than state and national average age of its housing structures. The following table provides a breakdown of estimates of housing structure age of occupied units by tenure of occupants (owner v. renter). Table 21. ACS Estimated Ape of Structure by Tenure of Occupant Estimate (MoE) Total Structures: 23,651 ( +1 -499) Owner occupied: 16,590 ( +/ -529) Built 2005 or later 143 ( +/ -95) Built 2000 to 2004 624 ( +1 -167) Built 1990 to 1999 1,320 ( +1 -196) Built 1980 to 1989 876 ( +/ -219) Built 1970 to 1979 2,413 ( +1 -306) Built 1960 to 1969 2,612 ( +1 -274) Built 1950 to 1959 2,539 ( +1 -359) Built 1940 to 1949 928 ( +/ -221) Built 1939 or earlier 5,135 ( +/ -511) Renter occupied: 7,061 ( +1 -639) Built 2005 or later 90 ( +1 -86) Built 2000 to 2004 356 ( +1 -173) Built 1990 to 1999 401 ( +1 -157) Built 1980 to 1989 518 ( +1 -171) Built 1970 to 1979 1,177 ( +1 -199) Built 1960 to 1969 482 ( +1 -166) Built 1950 to 1959 525 ( +1 -170) Built 1940 to 1949 347 ( +1 -133) Built 1939 or earlier 3,165 ( +1 -558) Source: U.S. Census Bureau From the data above, up to 50% (considering MoE) of renter - occupied structures were built 70 years ago or more, while roughly 30% of owner - occupied structures were built 70 years ago or more. It is simply the case that a greater percentage of renters than owners occupy the oldest housing units in Dubuque's inventory. According to ACS estimates, the median year structure built for owner - occupied units is 1959 ( +/- 2) and for renter occupied units the median year built is 1950 ( +/ -8). Given the MoE it is not appropriate to claim a significant difference in median age of structure. However, as the ACS data set expands the MoE for renter occupied units will likely decrease and allow a more exact comparison. It is also of interest to consider the relative condition of the structures either owned or rented. One concern for aging housing stock is the suitability of either /both the physical condition of the structure or the fiscal condition of the householder relative to housing Page 34 Copyright 2009 r ALTAVISTA costs. The following table provides the ACS estimates for data on housing condition by renter versus owner (i.e., tenure). Physical conditions could include incomplete bathroom or kitchen facilities, while fiscal conditions could include a housing cost burden of greater than 30 %. Table 22. ACS Estimated Selected Physical or Economic Condition by Tenure Estimate (MoE) Total Housing Units: 23,651 ( +1 -499) Owner occupied: 16,590 ( +/ -529) With one selected condition 3,210 ( +/ -458) With two selected conditions 91 ( +1 -74) With three selected conditions 0 ( +/ -127) With four selected conditions 0 ( +1 -127) No selected conditions 13,289 ( +1 -552) Renter occupied: 7,061 ( +/ -639) With one selected condition 2,614 ( +/ -435) With two selected conditions 156 ( +1 -117) With three selected conditions 49 ( +/ -73) With four selected conditions 0 ( +1 -127) No selected conditions 4,242 ( +/ -501) Source: U.S. Census Bureau From the data above, it is clear that renters are more likely than owners to face a physical or fiscal condition creating a housing burden. Housing Value /Costs The ACS estimate of the median value of owner - occupied units in the City of Dubuque is $115,100 ( +/- $3,442). As with the 2000 Census, the ACS figures represent an estimate by the homeowner of combined value of dwelling and land and are not checked against assessments, appraisals, etc. The 2000 Census determined median value at $88,400. Even considering inflation and valuation difficulties, this change does represent a measurable increase in median value. Page 35 Copyright 2009 r ALTAVISTA Looking further into the ACS estimates, a picture of the distribution of value within the owner - occupied housing emerges. The distribution is provided in table 23 below. Table 23. ACS Estimated Housing Values and Number of Units Estimate (MoE) Total Units: 16,590 ( +/ -529) Estimated Value Less than $50,000 992 ( +/ -228) $50,000 to $99,999 5,403 ( +/ -473) $100,000 to $149,999 5,882 ( +1 -471) $150,000 to $199,999 2,268 ( +/ -282) $200,000 to $299,999 1,431 ( +1 -236) $300,000 to $499,999 349 ( +/ -130) $500,000 to $999,999 265 ( +/ -95) $1,000,000 or more 0 ( +/ -127) Source: U.S. Census Bureau The data above conforms with standing trends in housing values found in previous consolidated plans. The clear plurality -to- possible majority of housing units are self - reported to be valued between $100,000 to $200,000. Taking into consideration the reported MoE, units in this range account for an estimated 43 -55% of the total. Units in the lowest two categories account for anywhere from 33 -44 %. This range was calculated using MoE for both total units and the discrete category. Those with the units in the lowest category composed roughly 4 -8% of the total. In regards to costs, perhaps the most significant concern for the Dubuque Housing Department in its assessment of needs, the picture for both owner - occupied households and renter - occupied households shows cost pressures. As with previous examinations, housing costs continue to rise at a pace faster than general income trends. However, Dubuque still demonstrates lower than state and national average housing costs pressures. Unfortunately, the ACS cannot yet provide a fully comprehensive picture of housing burden. As such, the SOCDS HUD data employing the 2000 Census will be presented as well as the newer, yet not as complete, ACS data. The Census Bureau, HUD, and numerous other housing agencies and interest groups accept a 30% of household income as a threshold for housing burden. Housing costs should not account for more than 30% of income according to this standard. A look at the distribution of housing costs as a percentage of household income for owner - occupied units with /without a mortgage provides a picture, albeit incomplete, of the costs pressures within Dubuque. Table 24 provides this data. Page 36 Copyright 2009 r ALTAVISTA Table 24. ACS Estimated Owner- occupied Unit Cost Burdens by Household Income and Mortgage Status Total Owner - occupied Units: 16,590 ( +/ -529) With a mortgage 10,335 ( +1 -556) Less than $20,000 Household Income 839 ( +1 -228) 30 percent or more Cost Burden 839 ( +/ -228) $20,000 to $34,999 Household Income 1,492 ( +/ -325) 30 percent or more Cost Burden 970 ( +/ -316) $35,000 to $49,999 Household Income 1,756 ( +/ -308) 30 percent or more Cost Burden 477 ( +/ -149) $50,000 to $74,999 Household Income 3,194 ( +/ -430) 30 percent or more Cost Burden 391 ( +/ -167) $75,000 or more Household Income 3,054 ( +/ -356) 30 percent or more Cost Burden 67 ( +/ -65) Without a mortgage 6,255 ( +/ -421) Less than $20,000 Household Income 1,281 ( +/ -241) 30 percent or more Cost Burden 662 ( +/ -169) $20,000 to $34,999 Household Income 1,663 ( +/ -293) 30 percent or more Cost Burden 110 ( +/ -87) $35,000 to $49,999 Household Income 1,023 ( +/ -224) 30 percent or more Cost Burden 0 ( +/ -127) $50,000 to $74,999 Household Income 977 ( +/ -205) 30 percent or more Cost Burden 0 ( +/ -127) $75,000 or more Household Income 1,264 ( +/ -258) 30 percent or more Cost Burden 0 ( +/ -127) To present the data without specific regard for household income categories but with consideration of more detailed cost levels, table 25 is provided below. The table presents owner - occupied housing units by mortgage status and percent of monthly owner costs as percentage of household income. Page 37 Copyright 2009 Source: U.S. Census Bureau r ALTAVISTA Table 25. ACS Estimated Owner- occupied Units by Mortpaae Status and Cost Burden Estimate (MoE) Total Owner - occupied Units: 16,590 ( +/ -529) Housing units with a mortgage 10,335 ( +1 -556) 20.0 to 24.9 percent Cost Burden 2,250 ( +/ -350) 25.0 to 29.9 percent Cost Burden 1,242 ( +/ -270) 30.0 to 34.9 percent Cost Burden 837 ( +/ -221) 35.0 to 39.9 percent Cost Burden 463 ( +4-162) 40.0 to 49.9 percent Cost Burden 567 ( +1 -168) 50.0 percent or more Cost Burden 877 ( +/ -235) Housing units without a mortgage 6,255 ( +1 -421) 20.0 to 24.9 percent Cost Burden 603 ( +4-197) 25.0 to 29.9 percent Cost Burden 339 ( +/ -158) 30.0 to 34.9 percent Cost Burden 220 ( +4-105) 35.0 to 39.9 percent Cost Burden 182 ( +1 -116) 40.0 to 49.9 percent Cost Burden 180 ( +1 -89) 50.0 percent or more Cost Burden 190 ( +/ -81) From the data above, some rather intuitive observations can be made. It is clear that the estimates paint a picture in which those households with the lowest level of household income are more likely to face housing costs at 30% or greater. This is true regardless of mortgage status of the owner - occupied unit. It is, of course, more acute for those owner - occupied households with a mortgage. Given the ACS standing as estimates with a margin of error, the range of households with costs burdens needs to be accounted for. Even with the margin of error considered, however, it is clear that nearly all households with a mortgage in the bottom household income category face housing costs at 30% or greater. It is essential to consider the cost burdens of renter - occupied households versus owner - occupied households. Data on housing cost burdens in Dubuque County (broader than the city) indicate that 25% owners with a mortgage, 11% of owners without a mortgage, and 38% renters face housing cost burdens. Again, a housing cost threshold of 30 percent or greater of household income is considered a housing burden. Page 38 Copyright 2009 Source: U.S. Census Bureau r ALTAVISTA The following table provides a comparison of the two groups, owners and renters, in terms of household income and percent of housing costs. Table 26. ACS Estimated Monthly Housing Costs as Percentage of Household Income by Tenure and Household Income Level Estimate (MoE) Total Occupied Housing Units 23,651 ( +1 -499) Total Owner - occupied Units 16,590 ( +/ -529) With a mortgage 10,335 ( +/ -556) Less than $20,000 Household Income 839 ( +/ -228) 30 percent or more Cost Burden 839 ( +1 -228) $20,000 to $34,999 Household Income 1,492 ( +1 -325) 30 percent or more Cost Burden 970 ( +1 -316) $35,000 to $49,999 Household Income 1,756 ( +1 -308) 30 percent or more Cost Burden 477 ( +1 -149) $50,000 to $74,999 Household Income 3,194 ( +1 -430) 30 percent or more Cost Burden 391 ( +1 -167) $75,000 or more Household Income 3,054 ( +1 -356) 30 percent or more Cost Burden 67 ( +1 -65) Without a mortgage 6,255 ( +1 -421) Less than $20,000 Household Income 1,281 ( +1 -241) 30 percent or more Cost Burden 662 ( +1 -169) $20,000 to $34,999 Household Income 1,663 ( +1 -293) 30 percent or more Cost Burden 110 ( +1 -87) $35,000 to $49,999 Household Income 1,023 ( +1 -224) 30 percent or more Cost Burden 0 ( +/ -127) $50,000 to $74,999 Household Income 977 ( +1 -205) 30 percent or more Cost Burden 0 ( +/ -127) $75,000 or more Household Income 1,264 ( +1 -258) 30 percent or more Cost Burden 0 ( +4-127) Total Renter - occupied housing units 7,061 ( +1 -639) Less than $20,000 Household Income 3,063 ( +1 -448) 30 percent or more Cost Burden 2,364 ( +1 -420) $20,000 to $34,999 Household Income 1,563 ( +1 -346) 30 percent or more Cost Burden 337 ( +4-154) $35,000 to $49,999 Household Income 931 ( +1 -242) 30 percent or more Cost Burden 82 ( +1 -86) $50,000 to $74,999 Household Income 760 ( +1 -231) 30 percent or more Cost Burden 0 ( +4-127) $75,000 or more Household Income 277 ( +1 -141) 30 percent or more Cost Burden 0 ( +/ -127) Beyond cost burdens by household income levels, looking at gross rent and fair market rent (FMR) can provide some general insights into housing cost burdens. Gross rent is defined as the sum of rent paid to the owner plus any utility costs incurred by the tenant - excluding phone service. FMR is determined by HUD and represents the 40th percentile of gross rents for a typical, non - substandard rental units occupied by recent moves in a local housing unit. FMR excludes public housing, substandard housing, housing less than 2 years old, etc. Page 39 Copyright 2009 Source: U.S. Census Bureau r ALTAVISTA Table 27. Gross Rent as Percentage of Household Income Renter- occupied Units 7,061 ( +/ -639) Gross Rent < 15 Percent Household Income 1,318 ( +/ -105) 18.7% ( +/ -4.1) Gross Rent 15 to 19.9 Percent Household Income 699 ( +/ -207) 9.9% ( +/ -2.7) Gross Rent 20 to 24.9 Percent Household Income 904 ( +1 -245) 12.8% ( +/ -3.4) Gross Rent 25 to 29.9 Percent Household Income 890 ( +1 -251) 12.6% ( +/ -3.5) Gross Rent 30 to 34.9 Percent Household Income 518 ( +1 -183) 7.3% ( +1 -2.5) Gross Rent 35 Percent Household Income or More 2,265 ( +/ -419) 32.1% ( +/ -5) Not Computed 467 ( +1 -209) From table above, the most significant finding is the size of the renting population experiencing a cost burden. Roughly 30% of renters face extreme cost burdens with gross rent 35% or more of household income. A further 7.3% of renters face burdens above the 30% threshold commonly employed by housing agencies and interest groups. In all, a third to nearly half of all renters had gross rents creating a cost burden of more than 30% of household income. Page 40 Copyright 2009 Source: U.S. Census Bureau r ALTAVISTA Beyond the problem of cost burden, households may face additional pressures leading to inadequate housing security. Additional pressures tracked by the ACS include overcrowding, inadequate plumbing or kitchen facilities, etc. The ACS provides an estimate of housing units and the presence of such conditions. Table 28 below presents this data. Table 28. Housing Units by Tenure with Selected Physical and Financial Conditions Estimate (MoE) Total Occupied Units 23,651 ( +1 -499) Owner occupied 16,590 ( +/ -529) With one selected condition 3,210 ( +1 -458) With two selected conditions 91 ( +1 -74) With three selected conditions 0 ( +4-127) With four selected conditions 0 ( +1 -127) No selected conditions 13,289 ( +1 -552) Renter occupied 7,061 ( +/ -639) With one selected condition 2,614 ( +/ -435) With two selected conditions 156 ( +1 -117) With three selected conditions 49 ( +/ -73) With four selected conditions 0 ( +1 -127) No selected conditions 4,242 ( +/ -501) Demand for Multi - family /household Structures Page 41 Copyright 2009 Source: U.S. Census Bureau These conditions correspond to burdens associated with the physical condition of the unit and /or the financial condition of the household. Such conditions include excessive cost burden (over 30% housing costs as percentage of Household income, overcrowding, incomplete facilities, etc.). From the data above it is clear that renters face a greater likelihood of physical or financial burdens than owners. This observation should not be surprising considering the data on table 27 indicating the prevalence of cost burdens on renters (and such a burden is embedded in the data in table 28). It is clear from the data that single - family detached units still dominate Dubuque's housing landscape. However, as the population changes there may be an increase in demand for alternatives to the traditional single - family detached housing units. Alternatives may be sought for financial reasons as well as others. The demand for multi- family /household structures is present, of course, among renters, but may also be found in certain segments of those seeking or holding homeownership (via condominiums, etc.). For example, demand for multi - family /household structures (anything from condominiums to assisted living communities) across the nation increasingly can come from the elderly. In short, as more individuals seek to establish separate households the demand may increase. According to the ACS, Dubuque's median age is 38.3 ( +/- .4) In regards to household types, family versus non - family households, the ACS estimates 66.8% ( +/- 1.6) were r ALTAVISTA family households (those places of residence where related, by blood or law, individuals reside), while 33.2% ( +/- 1.6) were non - family households. An estimated 30.2% of family households have children <18 years of age ( +l- 1.5), an estimated 55.1% ( +l- 1.9) are married couples. Average household size is estimated to be 2.42 ( +/- .03) and average family size of 3 ( +/- .06). It is likely that Dubuque will continue to experience an increase in single - parent households, an aging population, and those seeking housing alternatives. An estimated 18% ( +/- 0.3) of the population is 62 years or older, 15% ( +/- 0.1) are 65 years or older, 5.5% ( +/- 0.3) are 75 to 84 years of age, and 2.3% ( +/- 0.3) are 85 years or older. Given the continued desire by city officials to increase Dubuque's appeal and affordability, it is likely to face a need for multi - family /household housing developments. Both redevelopment and development will likely be needed. Page 42 Copyright 2009 r ALTAVISTA Housing Development Data on building permits obtained through HUD's SOCDS indicate that single - family buildings continue to be the single largest category for building permits. This is not all - that surprising, however, it is of interest to note the permit activity across categories. Table 29 below provides building permit information by unit type for the years 2004 through June 2009. Table 29. Housing Unit Building Permits 2004 -2009: HUD SOCDS 2004 2005 2006 2007 2008 2009 Total (2004 -June 2009) Total Units 531 156 127 120 56 36 1026 Units in 86 104 93 77 44 24 428 Single - Family Structure Units in Multi- 445 52 34 43 12 12 598 Family Structures Units in 2 Unit 38 38 22 22 12 12 144 Multi - Family Structures Units in 3 and 4 6 9 6 9 0 0 30 Unit Multi - Family Structures Units in 5+ Unit 401 5 6 12 0 0 424 Multi - Family Structures One concern in the data above involves the large multi - family structure constructed in 2004. That structure is an important outlier and stands in stark contrast to the permit patterns across the rest of the time period. If one excludes the anomalous 2004 multi- family figure, it is clear that the strong majority of building permits in the past four years are for single - family structures. Exclusive of 2004, 69.1% of permits were for single - family structures. Keeping 2004 in the analysis, 41.7% of structures were single - family and 58.3% multi - family (with 2 unit structures accounting for 24.1% of multi - family structures, 3 and 4 units 5% of multi - family structures, and 5+ units accounted for 70.9% of multi - family structures). Page 43 Copyright 2009 Source: HUD SOCDS r ALTAVISTA Affordability of Rental, Owner - occupied, and Vacant Units As with previous consolidate plans, relative housing affordability can be determined through the HUD's SOCDS interface. The CHAS data for consolidated plans are 'special tabulations' performed by the Census Bureau for HUD and the data are largely not available in the general public Census products (see http: / /www.huduser.org /datasets /cp.html). However, this HUD data includes only the 2000 Census and does not include the more recent ACS data. This is likely to change as the ACS housing questions replace the Census enumerations and the data set for the ACS increases. The first several tables below are generated through the HUD system, while the subsequent tables come from the ACS and other more recent data sources. At this point, all the variables are not directly comparable across data sets and years (e.g., the ACS for Dubuque does not provide a reliable breakdown of renter type of household, e.g., elderly v. large related, as the HUD SOCDS data provides from the 2000 Census). The SOCDS data on housing problems pulls from numerous disaggregated data sources and creates a customized tabulation. Such tabulation cannot be duplicated with ACS data given the sample sizes. It is likely that such aggregation and differentiation within the data will be possible in the near future. Also, public access to such data is limited for confidentiality concerns (see note). The SOCDS generated tables below provide some illuminating information on housing affordability. The "Affordability Mismatch" table below provides information on the relative affordability of the city's housing inventory using 2000 Census data. The affordability standard employed in the tables includes the HUD - Adjusted Median Family Income ( HAMFI). The HAMFI figure reflects HUD's adjustment of the income levels to account for location and household size. Page 44 Copyright 2009 r ALTAVISTA SOCDS CHAS Data: Affordability Mismatch Output for All Households Page 45 Copyright 2009 Itl :;E A It(:II ALTAVISTA Name of Jurisdiction: Dubuque city, Iowa Source of Data: CHAS Data Book Data Current as of: 2000 Renters Units by # of bedrooms Owned or for sale units by # of bedrooms Housing Units by Affordability 0 -1 2 3+ Total 0 -1 2 3+ Total (A) (B) (C) (D) (E) (F) (G) (H) 1. Rent < =30% Value < =30% # occupied units 710 415 345 1,470 N/A N/A N/A N/A % occupants < =30% 59 9 39 8 24 6 45 9 N/A N/A N/A N/A % built before 1970 64 8 74 7 84 1 72 1 N/A N/A N/A N/A % some problem 33 1 22 9 14 5 25 9 N/A N/A N/A N/A # vacant for rent 145 70 45 260 # vacant for sale N/A N/A N/A N/A 2. Rent >30% to < =50% Value < =50% # occupied units 1,675 1,875 575 4,125 145 1,325 2,605 4,075 % occupants < =50% 42 7 33 1 31 3 36 7 34 5 20 0 19 0 19 9 % built before 1970 71 9 70 4 82 6 72 7 71 0 69 4 87 7 81 2 % some problem 319 304 348 316 69 26 35 33 # vacant for rent 140 110 45 295 10 30 40 80 # vacant for sale 3. Rent >50% to < =80% Value >50% to < =80% # occupied units 350 790 360 1,500 88 1,650 6,285 8,023 % occupants < =80% 57 1 51 3 66 7 56 3 55 7 37 6 25 0 27 9 % built before 1970 52 9 43 0 84 7 55 3 101 1 85 8 80 3 81 6 % some problem 50 0 39 9 37 5 41 7 17 0 3 3 1 9 2 4 SOCDS CHAS Data: Affordability Mismatch Output for All Households Page 45 Copyright 2009 Itl :;E A It(:II ALTAVISTA # vacant for rent 40 45 0 85 # vacant for sale 10 n Cl 40 75 4. Rent >80% Value >80% ■ # occupied units 120 48 23 191 65 310 2,767 3,142 # vacant for rent 25 10 0 35 # vacant for sale 4 8 44 56 Definitions: Rent 0-30% - These are units with a current gross rent (rent and utilities) that are affordable to households with incomes at or below 30% of HUD Area Median Family Income. Affordable is defined as gross rent less than or equal to 30% of a household's gross income. Rent 30 -50% - These are units with a current gross rent that are affordable to households with incomes greater than 30% and less than or equal to 50% of HUD Area Median Family Income. Rent 50 -80% - These are units with a current gross rent that are affordable to households with incomes greater than 50% and less than or equal to 80% of HUD Area Median Family Income. Rent > 80% - These are units with a current gross rent that are affordable to households with incomes above 80% of HUD Area Median Family Income. Value 0 -50% - These are homes with values affordable to households with incomes at or below 50% of HUD Area Median Family Income. Affordable is defined as annual owner costs less than or equal to 30% of annual gross income. Annual owner costs are estimated assuming the cost of purchasing a home at the time of the Census based on the reported value of the home. Assuming a 7.9% interest rate and and national averages for annual utility costs, taxes, and hazard and mortgage insurance, multiplying income times 2.9 represents the value of a home a person could afford to purchase. For example, a household with an annual gross income of $30,000 is estimated to be able to afford an $87,000 home without having total costs exceed 30% of their annual household income. Value 50 -80% - These are units with a current value that are affordable to households with incomes greater than 50% and less than or equal to 80% of HUD Area Median Family Income. Value > 80% - These are units with a current value that are affordable to households with incomes above 80% of HUD Area Median Family Income. Page 46 Copyright 2009 r ALTAVISTA Name of Jurisdiction: Dubuque city, Iowa Source of Data: CHAS Data Book Data Current as of: 2000 - Renters Owners Household by Type, Income, & Housing Problem Elderly (1 & 2 members) Small Related (2 to 4 members) members) Large Related (5 or more All Other Total Renters Elderly (1 & 2 members) Small Related (2 to 4 members) Large Related (5 or more members) All Other Total Owners Total Households (A) (B) (C) (D) (E) (F) (G) (II) (I) (J) (K) 1. Household Income <= 50% MFI 833 767 122 1,197 2,919 1,090 311 123 249 1,773 4,692 2. Household Income < =30% MFI 451 393 56 679 1,579 354 88 24 135 601 2,180 3. % with any housing problems 63 4 82 2 82 1 76 4 74 4 59 3 88 6 100 0 66 7 66 9 72 3 4. % Cost Burden >30% 58 1 82 2 82 1 72 8 71 2 59 3 88 6 100 0 66 7 66 9 70 0 5. % Cost Burden >50% 37 5 57 0 67 9 48 6 48 2 36 7 72 7 83 3 44 4 45 6 47 5 6. Household Income >30 to < =50% MFI 382 374 66 518 1,340 736 223 99 114 1,172 2,512 7. % with any 647 639 470 469 567 139 686 747 526 332 457 SOCDS CHAS Data: Housin Problems Output for All Households Page 47 Copyright 2009 ALTAVISTA housing problems 8. % Cost Burden >30% 636 612 348 548 133 623 74 7 526 317 44 0 9. % Cost Burden >50% 207 131 61 58 121 75 359 10 1 137 128 10. Household Income >50 to c MFI 409 679 195 810 2,093 1,293 793 191 590 4,960 11.% with any housing problems (1 f 153 385 123 181 99 306 (1 r1 381 226 20 12.% Cost Burden >30% 24 2 11 6 0 0 10 5 12 6 9 9 30 6 25 1 38 1 22 5 18 3 13. % Cost Burden >50% 37 00 00 00 07 15 21 59 29 2 0 14. Household Income 834 93 1,030 2,270 2,211 6,068 1,0 5 10,564 12,834 >80% MFI 15.% with any housing problems 89 In c�� 151 44 51 41 60 70 66 56 16.% Cost Burden >30% 89 05 0 0 1 5 21 36 56 3 7 6 6 51 46 17. %Cost Burden 00 05 00 00 02 02 00 16 03 Page 48 Copyright 2009 ALTAVISTA >50% 18. Total Households 1,555 2,280 410 3,037 7,282 4,594 7,172 1,384 2,054 15,204 22,486 19. % with any housing problems 424 305 405 299 333 116 11 163 222 135 199 11 1 13 4 22 2 12 9 18 3 20. % Cost Burden >30 40 6 27 9 16 8 27 4 29 8 11 2 21. % Cost Burden >50 169 121 102 119 129 45 25 25 63 36 66 Definitions: Any housing problems: cost burden greater than 30% of income and/or overcrowding and /or without complete kitchen or plumbing facilities. Other housing problems: overcrowding (1.01 or more persons per room) and /or without complete kitchen or plumbing facilities. Elderly households: 1 or 2 person household, either person 62 years old or older. Renter: Data do not include renters living on boats, RVs or vans. This excludes approximately 25,000 households nationwide. Cost Burden: Cost burden is the fraction of a household's total gross income spent on housing costs. For renters, housing costs include rent paid by the tenant plus utilities. For owners, housing costs include mortgage payment, taxes, insurance, and utilities. Compounding the concerns over general availability of housing for families, according to the data provided in the foregoing tables, of the vacant 2+ bedroom rental units, only 115 are affordable rents for those households with incomes at or below 30% of HAMFI. Beyond the rental pressures on larger families indicated above, the data suggest likewise pressure on 0 -1 bedroom units. Page 49 Copyright 2009 r ALTAVISTA Across all the HUD affordability categories ( <30% MFI to >80% MFI), the percentage of households listed as having housing problems (i.e., cost burdens, overcrowding, etc.) via the 2000 Census are provided in the following table. Table 30. 2000 Census: Percentage of Households with Housing Problems by Income Level and Tenure Income Level % with Housing Problem By Tenure Renters <30% MFI 74.4% >30% to <=50% 56.7% >50% to < =80% MFI 18.1% >80%M Fl 5.1% Total Households 33.3% Page 50 Copyright 2009 Owners 66.9% 33.2% 22.6% 5.8% 13.5% Source: U.S. Census Bureau The data from SOCDS suggest that housing burdens impact not only those in the lowest income bracket, but that those in the middle- income bracket also face problems. This middle- income group may be especially problematic given the income limits for rental assistance programs. It is likely that the housing problems most often faced by households within this income level relate to cost burden or overcrowding, and not incomplete kitchen or bathroom facilities. According to the SOCDS data of those renter households with an income of < =30% MFI, nearly half face a cost burden of 50% of their income. In that same income category nearly three quarters of households are spending more than 30% of their income on housing. Of those households with >30 to < =50% MFI, roughly half of all households registered a cost burden greater than 30 %. In general, as the percentage of renter households facing serious /extreme cost burdens decreases, household income increases. In regards to cost burdens for households in owner - occupied units, the same general trends exist. While not directly equivalent to the preceding tables, the ACS does provide data to indicate housing burdens by income levels. This updated information provides insight into the current affordability issues facing Dubuque residents and was presented earlier in this report. r ALTAVISTA Residential Housing Loss Since 1989, when the Dubuque Housing and Community Development Department began tracking the loss of housing units, the city has experienced a loss of 521 units. For the last five years the total losses total 155 units. Losses can come from a number of sources, including changes in infrastructure (e.g., highways, etc.), expansions of existing facilities such as hospitals, business, or colleges /universities, or other processes such as condemnation. Changes in Rental Units and Contract Rents Unlike in previous consolidated plans employing full Census data, the ACS data cannot yet provide a detailed picture of rental units and contract rent by census tract. Looking back at the 2000 Census data on the changes in median contract rent for selected census tracts (chosen because of their high concentration of housing affordability concerns - tracts 1, 3, 4, 5, 6, 7.01 and 7.02), it should be noted that while absolute increases in contract rent were experienced in all of these census tracts, the changes from 1990 to 2000 kept apace with inflation. This is not to say that the wages of individuals in these rental units did likewise, however. Data for commensurate wage increase is not available at that level of analysis via the public microdata system as noted previously in this report. With the release of comprehensive data in 2010 a more detailed picture may emerge. However, there are additional data and estimate sources. Beyond the data and reports provided by the Census Bureau, HUD, and the FFIEC, there are research and interest groups who study and advocate for housing affordability. One such group, the National Low Income Housing Coalition (LIHC), compares HUD Fair market Rent (FMR) estimates for localities with estimated renter income and minimum wage levels to determine what they call the "housing wage." This housing wage is the level of hourly income required to afford a 2 bedroom apartment without paying more than 30% of income on housing (thereby avoiding the established level of housing cost burden). LIHC calculates these figures at the national, state, and msa level. While the data is not presented for the City of Dubuque separate from the msa, the figures are largely comparable and very illustrative. It should be noted that the msa may create increases in FMR, but such influence on Dubuque is likely marginal (given the limited rental inventory beyond the corporate limits of Dubuque). The most recent LIHC rent data was published in Out of Reach (2009). According to the LIHC most recent data, Iowa FMR for 2 bedroom apartments in 2009 is $629. To afford this housing, including utilities, would require a monthly income of $2,097 or $25,162 annually. The LIHC assumes a 40 hour work week for 52 weeks per year to determine the so- called housing wage of $12.10. The estimated average wage for renters in Iowa is $11. As such, a renter must work 44 hours a week to afford the 2 bedroom apartment at FMR without experiencing a cost burden. The LIHC also calculated housing wage for the Dubuque MSA. Based on HUD estimates, the Dubuque FMR for a two bedroom apartment is $574. To avoid cost burdens would require a housing wage of $11.04. Fora minimum wage worker, 61 hours a week would be needed to achieve this housing wage. However, the estimated average Page 51 Copyright 2009 r ALTAVISTA wage for renters in the Dubuque MSA is $10.28 requiring. This income level would require a 43 hour work week to achieve the housing wage at current FMR levels. The picture is less rosy for those on Supplemental Security Income (SSI) as their sole income. At current SSI payment levels for Dubuque, an individual could only afford a rent of $202 without incurring a cost burden. However, FMR for one bedroom apartments in Dubuque MSA is $437. A couple of cautions are appropriate when using the LIHC data. While the FMR values are provided by HUD, the calculation of housing wage is determined by LIHC and represents only what an individual would have to earn to avoid a cost burden for a two bedroom apartment. However, this calculation does not account for households with more than one wage earner or the FMR for units other than two bedrooms. It is reasonable to believe that there are many renters who comprise only one part of full time wage earners of the household and /or who live and desire or need something other than a two bedroom apartment. With these cautions aside, the data is still useful for Dubuque's projections and consideration of housing affordability. It is certainly likely that minimum wage earners or those with fixed subsidies will face housing affordability issues. The LIHC data provides a clearer picture of this phenomenon and translates the data into usable and understandable metrics such as a "housing wage." Summary Points for Dubuque Housing & Community Development Consolidated Plan Economic Status • Dubuque's progress in economic development has continued and garnered national and local recognition through numerous awards including the designation of "All American City" by the National Civic League in 2007. • While Dubuque, by national comparison, has a lower cost of living, the city is a most costly place to live compared to other regional municipalities. Q Dubuque's labor force has increased by 3.9% from June 2000 to June 2009, as has its unemployment rate due to the recent economic downturn. However, its current unemployment rate of 6.5% is well below much higher regional and national unemployment figures. Demographic Traits & Trends 1. Dubuque's population has remained stable since the 2000 Census, currently estimated between 55,965 and 57,741, but substantial growth in population has occurred in the western communities of Asbury and Peosta, primarily as a result of outmigration from the city of Dubuque. Between 2000 — 2007, Asbury grew by 53.2% and Peosta by 73.4% 2. Those entering the city and replacing citizens who have left for western communities have different demographic traits. For example, from 2000 — 2005/20007 the American Community Survey (ACS) estimates a 72.3% increase (from 700 to 1,206) in the number of African American residents, a 48.5% Page 52 Copyright 2009 r ALTAVISTA 3. Though Dubuque experienced a $7,212.00 increase in its median family income (to $53,758) from the 2000 Census, significant "pockets of poverty" remain among female single parents with children under the age of 18 (45.1 %) and those 5 years of age or older who have disabilities (20 %). Among those families below the poverty line 77% live in renter occupied housing. In addition, the ACS estimates that 9.6% of families have incomes below the poverty level, a notable increase from the 5.5% figure cited in the 2000 Census. Housing Market increase (from 390 to 579) in Asians, a 43% increase (from 553 to 791) in community members of 2 or more races, and a 23.1% increase (from 911 to 1,121) in the Hispanic population of Dubuque. • According to the 2005 -07 ACS, Dubuque contains 25, 273 housing units, representing a 5 -7.25 increase in total housing units since 2000. Changes in occupancy rates are within the margin of error for 2005 -07 occupancy estimates by ACS but there appears to be a continuation of the trend toward slightly lower occupancy rates since the 1990 Census figure of 95.8% occupancy was recorded. O The trend toward a higher ratio of owner - occupied to renter - occupied units continues with 70.1% all housing units occupied by owners and 29.9% inhabited by renters. The overall vacancy rate for all housing units is 6.4% but is markedly higher for rental units at 9% compared to 0.4% for owned housing units. The rental vacancy rate reflects a 0.5 -1.5% increase (within the margin of error) from the 2000 vacancy rate of 8 %. Et Over a third of Dubuque's housing inventory is more than 70 years old and approximately two- thirds is 40 years or older. Thus, Dubuque's residences are older than state and national averages for the age of housing within the city. O Limited evidence from the ACS suggests that Dubuque continues to experience below average overcrowding in its housing units (probably as a result of smaller household and family sizes compared to national ACS estimates). Where overcrowding does exist, as documented in previous studies, it is much more likely to occur in renter - occupied units than owner - occupied. • Single -unit structures account for roughly two-thirds of all Dubuque housing units and the largest category of housing unit complexes (20+ units) account for only 4.2 — 6.0% of the housing inventory, with approximately 15% of all structures including 5 or more units. Page 53 Copyright 2009 r ALTAVISTA Housing Value and Affordability ET The ACS estimates the median value of owner - occupied units in Dubuque to be $115,100.00, up from the 2000 Census median value of $88,400.00. Even with inflation and various ways of estimating housing valuation, this represents a notable increase in median value. Considering the margin of error included in the ACS estimate, 43 -55% of owner - occupied units fall within the $100,000 - $200,000 cost range. • Using the Housing & Urban Development (HUD) guideline that housing costs should not exceed more than 30% of income, 27% of the 10,335 housing units with a mortgage have housing costs that equal or exceed 30% of household income. Among the 6,255 housing units without a mortgage, this figure is 12 %. • In terms of rent as a percentage of household income, in 39.4% of the 7,061 renter occupied housing units, rent is equal to or exceeds 30% of household income. • In terms of housing conditions beyond affordability, the ACS tracks overcrowding, inadequate plumbing or kitchen facilities, etc. Among owner occupied units, a fifth (19.9 %) are estimated to possess one or two of these additional housing burdens while among renter - occupied units the figure is 39.2 %. • Across all the HUD affordability categories ( <30% MFI to >80% MFI), a third (33.3 %) of renters and 13.5% of owners had housing problems, such as cost burdens and overcrowding, according to data contained in the 2000 Census. The largest percentages with housing problems were concentrated in the <30% MFI categories for both renters (74.4 %) and owners (66.9 %). As renter household income increases, the percentage of these households facing serious /extreme cost burdens decreases. The same general pattern regarding cost burdens is found for households in owner - occupied units. • The National Low Income Housing Coalition (LIHC) determines a "housing wage" based upon the level of hourly income required to afford a 2- bedroom apartment without paying more than 30% of income for housing to avoid the definition of housing cost burden. A minimum wage employee in Dubuque must work 61 hours a week to achieve this housing wage but the estimated average wage for Dubuque renters is $10.28/hour, thus requiring a 43 -hour work week to achieve the housing wage at current FMR levels. Future Housing Trends Q According to the ACS, the median age of the Dubuque population is 38.3 years and 18% is 62 years of age of older. Two - thirds (66.8 %) of households are composed of families and a third (33.2 %) are non - family living arrangements. Continued increases in older age categories and the number of non - family Page 54 Copyright 2009 r ALTAVISTA households will create more demand for housing alternatives such as multi- family /housing developments in the forms of townhouses /condominiums and housing communities with various degrees of assisted living. 0 According to HUD data, the number of building permits for various types of housing units has declined quite dramatically from 2004 to June of 2009. Multi- family dwellings were the single largest category for which permits were issued (58.3 %) during this time period while 41.7% of permits issued were for single family structures. Slightly over two-thirds (67.1 %) of the multi - family structure permits issued during this time period were for 5+ unit family structures issued in the year 2004. Page 55 Copyright 2009 r ALTAVISTA Concluding Remarks Dubuque's population and economic landscape continue to diversify. There is little doubt that while maintaining a relatively stable population the city continues to experience growth. It is also doubtless that with the city's diversification and growth several areas of concern for affordable quality housing opportunities remain. Many of these concerns remain the same from past consolidated plans. From identifiable pockets of poverty such as census tract one, to large numbers of renters with severe housing cost burdens to an aging housing inventory, challenges remain for Dubuque. Page 56 Copyright 2009 r ALTAVISTA Appendix D - Insert 2009 Rental Market Overview by Real Property Research Group for Iowa Finance Authority RealPropertyResearchGroup Baltimore -Atlanta 10400 Little Patuxent Parkway Suite 450 Columbia, Maryland 21044 Voice (410) 772 -1004 Fax (410) 772 -1110 Rental Market Overview Dubuque, Dubuque County, Iowa Prepared for Iowa Finance Authority October 26, 2009 225 Creekstone Ridge Woodstock, Georgia 30188 Voice (770) 517 -2666 Fax (866) 243 -5057 I. Executive Summary www.rprg.net Real Property Research Group, Inc. has been retained by the Iowa Finance Authority (IFA) to conduct a rental market overview for the city of Dubuque in Dubuque County, Iowa. Michael Riley, Analyst, conducted fieldwork and data collection on October 19 and 20 , 2009 which included a physical inspection of the City of Dubuque and its surrounding areas. The Executive Summary follows and is based on IFA's market study guidelines. Study Description Over the past year and half, several major employers announced plans for new or expanded facilities in the city of Dubuque. The largest and most significant of these announcements was IBM which opened its new technology services delivery center on August 25, 2009. In total, IBM is expected to add up to 1,300 new jobs through 2010 with an estimated 600 new workers to be hired by the end of this year. Combined with Hormel Foods, which will finish construction on a new processing plant in January of 2010, the city will experience a total employment increase of approximately 1,500 over an eighteen month time period. The purpose of this study is to determine the adequacy of the existing housing supply in meeting the needs of the area's increasing household base. Area Overview Located in eastern Iowa along the western banks of the Mississippi River, the city of Dubuque is positioned adjacent to both the Illinois and Wisconsin state lines. As the seat of Dubuque County, the city of Dubuque is the major population center of the tri- state area which includes a number of smaller cities and municipalities. The city of Dubuque is roughly made up of five districts which include downtown, College Grandview, West End, South End, and Eagle Point (North End). • Downtown District - Development within this area includes a mixture of commercial, industrial, and residential land uses which form a number of unique neighborhoods and districts. Most buildings in this area are significantly older than in other portions of the city though recent revitalization has lead to a number of renovated and restored structures. Despite the higher overall density of development, housing in downtown Dubuque includes a number of historic single - family detached homes, many of which are in disrepair. Over the past few years renovated loft - style apartments above store fronts and warehouses have become more common as city officials promote a live / work campaign to rejuvenate the downtown core and its surrounding neighborhoods. • College Grandview - With larger lot sizes and fewer streets, the housing stock is a mixture of single - family homes, duplexes, and smaller multi- family structures. This district is home to four colleges • seminary schools: Emmaus Bible College, Clark College, Loras College, and the University of Dubuque and contains some larger -scale multi - family developments managed by the colleges as student housing. • West End - As the newest growth area of the city, the West End is distinctly different from other city neighborhoods as the nature of development becomes unmistakably suburban. Single- family attached and detached homes account for a significant proportion of the housing 5 REALPROPERTYRESEARCHGROUP www.rprg.net stock with larger multi - family apartment communities also scattered throughout the area. • South End — This District is largely residential consisting primarily of single - family detached neighborhoods and scattered light- commercial development. South End is also home to several parks and recreational areas including Louis Murphy Park, E. B. Lyons Nature Center, and Mines of Spain Recreation Area. • Eagle Point (North End) - This portion of Dubuque contains many of the city's manufacturing facilities in addition to residential neighborhoods which travel northwest and northeast along Central Avenue and Lincoln Drive, respectively. As a result, the area maintains the more urban feel of downtown with housing that is generally older and in poorer condition compared to other portions of the city. A major economic development project in the preliminary stages of development is the Historic Millwork District, which will act as the foundation for the City of Dubuque's ongoing revitalization of downtown. Dominated by empty warehouses and industrial buildings from the turn of the century, the redevelopment of the Historic Mill Work District is anticipated to include a total of 634 housing units, 359,000 square feet of office /retail space, 1,400 parking spaces, two urban plazas, and a landform park scheduled in three phases. Overall, the planned Historic Millwork District redevelopment has the potential to create a significant economic impact as it will provide residents and businesses with opportunities for growth and improved efficiency. Its development will also help to meet the demand for new rental housing downtown with its convenience to many major employers. With the opening of IBM's technology services delivery center located just a short distance west, the location and design of this mixed -use community appears ideal to meet the needs of the growing and changing economy. Demographic Trends • The 2009 Claritas population by age indicates that the Dubuque market area is slightly older than Dubuque County with median ages of 38 and 37, respectively. Given the number of smaller colleges and Universities located in Dubuque, the Dubuque market area has a slightly higher percentage of its population between the ages of 18 to 24 years (11.4 percent versus 10.6 percent). Additionally, the Dubuque market area contains a higher percentage of its population in each of the three age cohorts age 65 and older. • Both the Dubuque market area and Dubuque County have a large percentage of family households. Marriage rates are 51.4 percent in the Dubuque market area and 57.3 percent in Dubuque County. Children are present in 30.1 percent of the Dubuque market area's households and 33.2 percent of the Dubuque County's households. • The Dubuque market area's renter percentage is higher the Dubuque County's, overall. The estimated 2009 renter percentages are 31.4 percent in the Dubuque market area and 25.4 percent in Dubuque County. • Among householders age 62 and older, the renter percentages in both areas are lower than among all households. The senior renter percentage is 24.2 percent in the Dubuque market area and 19.3 percent in Dubuque County. 6 REALPROPERTYRESEARCHGROUP www.rprg.net • Approximately seventy -five percent of all renter households in the Dubuque market area and Dubuque County contain one or two persons. An additional 11.3 percent and 11.5 percent of renter households contain three persons in the Dubuque market area and Dubuque County, respectively. • Based on Claritas projections, the 2009 median income for all households living in the Dubuque market area was $42,933, $4,061 or 8.6 percent lower than the Dubuque County median of $46,993. The Dubuque market area has a higher percentage of its householders in each income classification below $45,000. • Among senior householders age 62 and older, the 2009 estimated median income in the market area is $33,317, which is 77.6 percent of the overall median. Within the Dubuque market area, over one - quarter (26.4 percent) of all senior households (62 +) earn less than $25,000. Economic Trends • Dubuque County's at -place employment grew in eight of nine years from 1990 to 1999 adding a total of 7,030 jobs for an increase of 16.1 percent. Following this period of growth, the county suffered a brief contraction in which at -place employment declined by over 1,300 between 1999 and 2002. Beginning in 2003, the Dubuque County economy expanded at through 2007 before losing over 220 jobs in 2008; however, this decline was relatively modest compared to many areas of the country. • Through the first quarter of 2009, Dubuque County's preliminary average at -place employment shows a loss of 2,372 total jobs. While this figure is the most recent measurement available from the U.S. Bureau of Labor Statistics, it includes natural employment fluctuations in seasonal industries such as construction, natural resources - mining, and leisure - hospitality. An analysis of the 2009 first quarter average employment by sector reveals approximately 900 jobs lost during this period are in these industries. • Over the past eighteen years, Dubuque County's unemployment rate has tracked just above the State of Iowa and consistently lower than the nation. Despite rising gradually over the past eight years, Dubuque County's annual average unemployment rate never surpassed 4.5 percent which it totaled in 2004. Due to the national recession, Dubuque County's unemployment surged to 6.3 percent through the second quarter of 2009; however, this is still over three full percentage points below national unemployment rates and just 0.5 percentage points above the State of Iowa. Competitive Rental Market • Compared to the 2000 Census, a higher proportion of rentals in 2009 are contained within duplexes, structures with three to four units, and structures with 20+ units. Overall, the rental stock in the Dubuque market area has increased in density between 2000 and 2009. • As of the 2000 Census, the median year built among owner occupied housing units was 1956 in the Dubuque market area and 1962 in Dubuque County. Among renter occupied households, the median year built was 1951 in the Dubuque market area and 1952 in Dubuque County. From 1990 to 2000, only 6.9 percent of the Dubuque market area's rental stock was constructed compared to 8.1 percent in Dubuque County. • The fifteen surveyed rental communities combine to offer 800 rental units. Only 14 units were reported vacant at the time of our survey resulting in an overall vacancy 7 REALPROPERTYRESEARCHGROUP www.rprg.net rate of 1.8 percent. Among the seven LIHTC communities, two of 226 units (0.9 percent) were reported available. Additionally, nine of the fifteen properties currently maintain waiting lists. • Given that the Dubuque rental stock contains a large proportion of lower- density scattered site rentals, many of which are independently owned, RPRG attempted to contact companies or individuals who managed the largest number of units in order to get an accurate picture of the current rental market. In total, the six management companies surveyed manage 976 total rental units. All six companies reported vacancy rates of less than five percent while three of the six companies reported 100 percent occupancy. • The street rents at existing communities have been adjusted to account for rental incentives and the inclusion of utilities to compute net rent. The average net effective rent among the surveyed communities is $464 for a one bedroom unit, $614 for a two bedroom unit, and $662 for a three bedroom unit. • The estimated market rents are $721 for a one bedroom unit, $881 for a two bedroom unit, and $987 for a three bedroom unit. Adjustments for unit size were based on proposed square footages of 700 for a one bedroom unit, 950 for a two bedroom unit, and 1,300 for a three bedroom unit. Given the age of the existing rental stock and tight rental market, a newly constructed rental community with average features and amenities could expect to achieve rents at or near these amounts. • Combined, the eleven senior LIHTC communities offer 436 total units of which 26 or 6.0 percent were reported vacant. It is important to note that 19 of the 26 total vacancies are at one service- enriched community, Oak at Park Place. By excluding this property, the overall senior vacancy rate drops to 1.8 percent. Overall, more than half of the senior communities' surveyed (six properties) were at 100 percent occupancy at the time of survey. Additionally, six properties reported waiting lists of varying length. Conclusions • The overall economy of Dubuque County is relatively diversified with a historically stable job base and generally low unemployment. Substantial layoffs in late 2008 and early 2009 are somewhat of a concern, though employment figures from the first quarter of 2009 are likely exaggerated due to the seasonal nature of some industries. As a portion of laid off workers have been called back to work, it is possible at least a percentage of these job losses may be temporary. • The impact of IBM and to a smaller extent Hormel cannot be understated as the 1,500 new jobs projected over the next year and a half will provide a boon to the Dubuque County economy while bringing a significant number of new households to the region. The location of IBM within downtown Dubuque is also significant as it has the potential to spur additional growth in the surrounding downtown neighborhoods. • It is important to note that recent layoffs and decrease in at -place employment has not negatively impacted the rental market in the Dubuque market area as vacancy rates remain very low. • Based on the general salary estimates for jobs at IBM, it is likely that few if any of the households relocating to Dubuque will qualify for LIHTC units. As a result, most of these households will add to the moderate income renter household base which already exceeds tax credit eligible renters (50% to 60% of the AMI). Based on this analysis, affordable market rate housing is the best option to meet the needs of these incoming households. 8 REALPROPERTYRESEARCHGROUP www.rprg.net • Taking into account household growth, demolitions, and existing vacancies, a net demand exists for 556 rental units in the Dubuque market area. Subtracting out 95 percent of the units currently in the pipeline, an excess demand of 306 units exists. Given the influx of new households expected over the next fourteen months and current vacancy rates, these estimates are likely conservative. • Among senior households 62 and older, a net demand exists for 150 rental units in the Dubuque market area. Subtracting out 95 percent of senior units currently in the pipeline, an excess demand for 110 units exists. Based on the number of senior units constructed over the past five years, the need for additional senior housing is not as paramount as in the general rental market. Given that most of the recent senior supply has focused on the market rate side of senior housing the most likely opportunity for additional senior oriented rental units lies in the affordable (income restricted) market. • Given the sizeable senior household base, senior rental communities are common within the City of Dubuque; however, a number of these communities have been constructed within the past five years and it appears senior housing may have been developed at the expense of family oriented units. Despite the additions to supply, senior occupancy rates have remained strong; however, the overall senior rental appears to be in balance. • The existing rental stock consists primarily of scattered site units which include smaller -scale multi - family buildings, single - family detached homes, and duplexes. Of the larger multi - family apartment communities that exist within the city, most are in located in the western suburbs. • On average, much of Dubuque's rental housing is old (built in the 50's, 60's and 70's), though many units have been renovated since their original construction. As is the case in many renovations, some units lack modern features and amenities which either could not be retrofitted or simply cost too much to include. Typically the newest rental units available are single - family detached homes or duplexes as only a few larger multi - family apartment communities have been constructed within the past ten years. • The distribution of rental housing throughout the city of Dubuque is relatively even with a slightly higher percentage of rental units located in the more densely developed portion of the city. Despite this fact, many of the rental units in and around downtown contain government subsidies or are in poor condition. Quality market rate housing, which is also affordable, is limited in the city, particularly downtown. With the number of major employers located nearby, it is likely pent-up - demand exists for rental units in this area. • The market for general occupancy or family oriented rental housing is noticeably tight in the Dubuque market area. Few vacancies exist among surveyed rental communities with both market rate and affordable (income restricted) housing performing equally well. On average, 1.8 percent of units were reported available with many communities maintaining 100 percent occupancy and waiting lists. • Average rents in Dubuque are generally modest and commensurate to the overall unit size, features, and amenities offered. None of the family oriented communities surveyed reported rents exceeding $1,000 per month. A newly constructed rental community with reasonable features and amenities could expect to achieve rents at or near $721 for a one bedroom unit, $881 for a two bedroom unit, and $987 for a three bedroom unit assuming unit sizes of 700, 950, and 1,300 square feet, respectively. 9 REALPROPERTYRESEARCHGROUP www.rprg.net Overall Conclusion and Recommendation Based on current market conditions and projected employment growth in Dubuque, we believe significant demand exists for additional housing in the local area. Given the relatively low HUD Median Income and the estimated salary range of IBM jobs, market rate rental housing appears to have the most demand. Income restricted rental units, such as those with Low Income Housing Tax Credits, would not alleviate future demand from IBM related household growth. While some of these workers will prefer homeownership, affordable single family detached homes are readily available in the market area with several new communities under construction. Based on conservative household estimates, insufficient rental housing exists to support new households. The lack of significant vacancies coupled with the lack of modern multi - family rental communities indicates pent up demand for high quality market rate rental units. Based on our demand estimates, the Dubuque market area is in need to 300 to 400 additional rental units over the next two to three years. The ideal units would: • Be located near or accessible to downtown given current redevelopment efforts and IBM's location. • Modern amenities and finishes including dishwashers, disposals, and washer /dryer connections. Community amenities should include a community room, business center, fitness center, and playground. • Have rents of roughly $721 for a one bedroom unit, $881 for a two bedroom unit, and $987 for a three bedroom unit. It is important to note estimated rents were based on the existing rental stock which is generally older and without top of the line features or amenities. Depending upon the product to be constructed and the location within the community it may be possible to achieve rents as much as ten percent higher than these estimates. • Have minimum unit sizes of 700 square feet for a one bedroom unit, 950 square feet for a two bedroom unit, and 1,300 square feet for a three bedroom unit. 10 REALPROPERTYRESEARCHGROUP Appendix E The Washington Court Housing Survey: A Study of Accessibility and Universal Design in Affordable Housing A Report Prepared by the University of Iowa Clinical Law Program April 20, 2009 The University of Iowa Clinical Law Program is pleased to release this report and the results of our research study about tenant awareness, use and benefits of accessibility and universal design features in an affordable housing complex in Dubuque, Iowa. This community -based systems reform project and research study was developed by Student Legal Interns under the supervision of Professor Leonard A. Sandler. The Student Legal Interns who participated in the design, construction and evaluation of the building, created and administered the survey and authored this report are: Sara Stephenson, Andrew Ward, Syd Gernstein, Aaron Aizenberg, Rachel Antonuccio, Kirsten Arnold, Todd Bagby, Kevin Barstow, Ross Binder, Scott Burrill, Michelle Croft, Jackie Famber, Jason Fernandez, Nick Kehrwald, Andrew Knutson, Jayne Lady, Abby Lemek, Karla Martinez, Adam McCabe, David Milender, Jennifer Moyer, Trent Norman, Reuben Ortega, Benton Page, Bill Peffer, Roselyn Tyson, Matt Van Maasdam, and John Walker. We gratefully acknowledge the assistance and contributions of the "Tenants of Washington Court," John and Mary Gronen, Jolene Kingeter, David Harris, Kelly Larson, Paul Kalb, Jordan Pettus, Mishelle Eckland, Rebecca Yoder, Helen Schartz, Lisa Halm- Warner, Heather Ritchie, Sarah Davidson, Marilyn and Lary Belman, Doug Boothroy, Heather Shank, Ed Gaines, Lucy David, the Home Modifications Task Force ListServe, and the countless others that shared their expertise, insights, questions and suggestions. 10 For more information, or to request copies of the report in print, digital, .pdf or other format, please contact the University of Iowa Clinical Law Program by calling 319.335.9023 or sending an email to leonard- sandlerOuiowa.edu. The complete report and all of the appendices are available online on a temporary basis at http: / /www.uiowa.edurclinic/ until our new site is up and running. ©2009 Leonard A. Sandler, University of Iowa Clinical Law Program. APPENDICES I. INSTITUTIONAL REVIEW BOARD APPLICATION (Project Overview, Human Subjects Protections and Research Protocols) II. WASHINGTON COURT MASTER QUESTIONNAIRE (Survey Interview Questions, Responses, Charts and Tabulations) III. WASHINGTON COURT FLOOR PLANS, DRAWINGS AND ELEVATIONS A. Building Floor Plan B. Two Bedroom HC -Unit Floor Plan C. One Bedroom HC -Unit Floor Plan D. One Bedroom Non -HC Unit Floor Plan E. Two Bedroom HC -Unit Elevations F. One Bedroom HC -Unit Elevations G. One Bedroom Non -HC Unit Elevations IV. CLINICAL LAW PROGRAM REVIEW OF FLOOR PLANS, DRAWINGS AND ELEVATIONS (Findings, Features and Recommendations for Incorporating Universal Design) A. Washington Court Universal Design Checklist (October 26, 2005) B. Review Checklist Washington Court Conceptual Main -Level Plan (April 27,2006) C. Recommendations For Accessibility and Usability (post- construction) V. WASHINGTON COURT PHONE SCRIPTS A. HC apartments equipped for persons with mobility and sensory impairments B. Non -HC Apartments VI. CONDUCT YOUR OWN SURVEY A. Conduct Your Own Universal Design and Green Home Survey B. Universal Design and Green Home Survey Checklist I. Executive Summary A. The Washington Court Survey The University of Iowa Clinical Law Program is pleased to release "The Washington Court Housing Survey: A Study of Accessibility and Universal Design in Affordable Housing." This project is one of many community -based and systems reform initiatives the clinic has designed and implemented to increase mainstream housing opportunities for persons with disabilities and promote universal design and sustainable, multigenerational housing of all types. Throughout the country, in rural and urban areas, there is a critical shortage of affordable housing that is accessible and usable throughout a person's life span. That shortage existed in Iowa long before floods, tornadoes and other natural disasters devastated the State in 2008. Many Iowans who have experienced injury, illness, disability, or who are simply getting older, find they cannot enter, navigate freely or live independently in the homes or apartments they own or rent. They are forced to leave their homes and communities, risk institutionalization or spend thousands of dollars in home access modifications because houses or apartments with fewer than four dwelling units are typically not covered by any federal or state accessibility or universal design code. To compound the problem, the few accessibility standards that do apply to dwellings contain only minimum specifications and dimensions that do not address or reflect the real world needs of many persons with and without disabilities. These risks are even more pronounced now, especially for older residents and persons with disabilities whose homes were damaged or destroyed. In 2005, City of Dubuque officials and Gronen Restoration, Inc. invited the Clinic to furnish technical support and consultant services regarding the major rehabilitation and adaptive reuse of the former Dubuque Casket Company. The building was converted into 36 affordable rental housing units. The complex also now includes the offices of a health care provider and a social service agency. The initial goal of the Clinic was quite modest; we were to review the drawings and floor plans and tour the building to "see what we can do to go above and beyond the basic requirement for the handicap accessibility while staying within our [the developer's] budget." That mission was greatly expanded over the years and Washington Court became a singular project that spanned nearly every aspect and phase of the enterprise. The Clinic's role ranged from the design and construction of the building to a post- occupancy study of the use, effectiveness and benefits of the building's accessibility and universal design features. This report documents the project's final phase, a research study to learn whether residents are aware of, use or benefit from the universal design and accessibility features in the apartments and common areas. The overarching goal is to determine if universal design makes sense in the 21' century and enhances quality of life, safety, comfort and convenience. We hope to add to the growing body of evidence demonstrating that universal design is valued by individuals, communities and the public and private sectors. We had several specific objectives. The first objective was to learn about residents' experiences living at Washington Court. We were interested in 1) what motivated residents to move to Washington Court, 2) whether the universal design features have added to residents' quality of life, and 3) what the residents would change about Washington Court. The results section of this report covers these topics. The second objective was to test our survey instrument's effectiveness in gathering information on accessibility and universal housing design more generally. The methodology section of this report covers these topics. We also wanted to design a survey that others could use based upon our experience in administering the Washington Court survey. The appendices include our suggestions for conducting your own universal design survey and a checklist to help organize and focus your efforts. The third objective is to encourage builders, developers and funding agencies to use the survey results and recommendations and voluntarily incorporate universal design into residential, business and commercial facilities. The fourth objective is to persuade state and local lawmakers and agencies to require minimum universal design features in publicly funded housing of all types or to provide incentives for builders, developers and consumers to do so. People often use words like accessible, adaptable, and universal design interchangeably; even we blur the distinction between these terms in several places in this report; however, each term has a generally accepted definition or is defined by law or regulation. For this report: "Accessible" means that the residence meets the minimum requirements and dimensions of accessibility and building codes. These standards typically address minimum door widths, grab bars, the height of outlets, switches and controls and other features primarily to address mobility, reach and vision impairments. The most commonly used standards are found in the regulations to the Fair Housing Amendments Act of 1988, the American National Standards Institute (ANSI) Standards A117.1 -1998, and the Americans with Disabilities Act Accessibility Guidelines (ADAAG). "Adaptable" means that some features are designed to be modified or changed to address the needs of an individual with a disability and other renters or owners as they age, without the need to hire skilled labor or make significant and costly structural changes. Additional wall backing in bathrooms and bedrooms will allow for future installation of grab bars. The space beneath cooktops and sinks can have adjustable shelves and doors that are hinged, recessed or removable to allow for storage or for clear space, as the resident's mobility and other physical abilities fluctuate. "Universal design" (UD) means incorporating features and design elements that venture beyond accessibility and codes to make homes, apartments and the built environment usable by as many adults and children as possible. Universal design emphasizes visual appeal and usability; it does not focus on disability or the specific functional limitations of any individual and does not involve the use of adaptations or special designs. For example, Washington Court includes front - loading, raised washers and dryers and top - loading washers, no -step entrances, power assist doors, and the switches for the kitchen fan, garbage disposal and lights mounted at the front of the cabinets within easy reach. The primary emphasis of our report is on the people who live in the building, not the building itself. Understanding the target population -- the residents in this case -- is important in interpreting any data collected through a survey. Preliminary information about the population provides guidance in the early stages of survey design and later in revisions. Such was the case with Washington Court, where we designed our initial survey based on information we received about the income requirements, the number of standard and "handicap- accessible" units and the number of tenants. We were later able to use that information in combination with more detailed data we obtained in the survey to assemble a portrait of the people of Washington Court. To add detail to the data we collected about residents of Washington Court, we included some questions about the residents' basic demographics. This part of our investigation included questions about residents' living arrangements, income, and when and why they moved to Washington Court. So as to better understand residents' responses to the main questions about the building, we also asked residents about their functional limitations, independence, need for assistance, and finances. The information we collected is summarized below as a portrait of the people of Washington Court. Outside of information about the residents themselves, we also sought out information as to whether universal design (UD) features improve the residents' quality of life. We discovered that they are divided over the benefits of universal design. One group values universal design features, while the second is apathetic towards UD features. Residents who value UD notice the features, use them, and find them important. These residents would like additional UD features. On the other hand, residents who are apathetic towards UD have not noticed the features, do not use them, and are indifferent towards adding more UD features to the building. The ratio of residents who value UD and apathetic residents is almost one -to -one. We considered the best method of administering the survey, including paper- based, web - based, phone, personal or group interviews, focus groups, and various other methods. Because we operate as a law firm, we did not have the resources or expertise of research firms needed for many of these methods. We opted to do structured telephone interviews. One of the things we learned is that it is both difficult and time consuming to conduct such in -depth interviews over the phone, for both researchers and the residents of Washington Court. In addition, it is difficult, if not impossible, to develop perfect questions that elicit the information sought. In retrospect, we were quite ambitious; studies of this scale should be left to firms with the time, resources, and expertise to fully evaluate and conduct a survey of this magnitude. Our study provides a snapshot of the residents at Washington Court in the fall of 2008. As a result of only interviewing 22 respondents, our findings are not necessarily representative of the population at large. However, what we did find implies that universal design gives Washington Court a long -term competitive advantage over other housing for tenants who receive Housing Choice Vouchers (Section 8 vouchers) or other subsidies because their income is at or below at certain percentage of the area median income (60% for Washington Court). Washington Court stands out from other affordable housing because it is new and because of its universal design features. Residents who value UD chose Washington Court over other subsidized housing options in part because of the UD features. Residents who are apathetic towards UD chose Washington Court because it is a new building, regardless of the UD features. Thus, Washington Court will maintain its competitive advantage over other federally - subsidized housing projects and other complexes even as the building ages because it will continue to attract residents who value UD features even when the building is no longer new. Developers can surpass the Washington Court model in three ways to increase their competitive advantage in the affordable housing market. First, developers can add features that all residents want, regardless of whether they value or are apathetic towards UD. The features include: • Security features, such as a secured front entrance with a security code, security cameras throughout the building, and peepholes in apartment doors. • An open layout with large living space and large bedrooms. • Windows residents can easily open (especially in rehabbed historical buildings). • A walk in closet or utility room for storing large items. • Extra lighting through the unit, including an overhead light in every room. • Energy efficient appliances. • Under - cabinet lighting in the kitchen. • Rounded counter top edges in the kitchen and bathroom. • Lots of flexible work space in the kitchen, including counter tops at varying heights and cutting boards that pull out from underneath the counter top. • A side -by -side refrigerator and freezer with pull -out shelving. • A full - length mirror mounted on the bathroom wall. • A washer and dryer in each apartment. • Alternatively, if there are laundry rooms, counters at varying heights for folding clothes. • A buzzer at the front door to buzz guests in. Second, developers can add discrete features that will attract residents who value UD without deterring residents who are apathetic towards it. Developers should add these features throughout the building and in every unit to attract residents who value UD. Many of these features are also relatively inexpensive. They include: • Clear space under the sink and cooktop • Backlit, rocker -style light switches with dimmers mounted lower than usual. • Electrical outlets and cable jacks mounted higher than usual. • A thermostat with a large digital display mounted lower than usual. • Switches for the garbage disposal exhaust fan and cooktop light mounted on the front side of the counter instead of at the back. • Lever -style door handles throughout the building instead of round door knobs. • Adjustable height shelves and clothes rods in the closets. • Bi -fold closet doors. • In -wall backing for bathroom grab bars pre - installed so that grab bars can be added upon request. • Non -slip flooring in the bathroom. • Front loading washers and dryers • A ramp at the front entrance. • Front entrance doors that open automatically. Finally, developers can add obvious UD features in select apartments. Even though a few of these features might be a bit more expensive to install, there is a distinct market for them. Demand for these units will continue even after the building ages because residents who value UD will seek these units. These features are in addition to those listed in the last section and include: • Upper kitchen cabinets mounted lower than usual. • Oven and dishwasher mounted off the ground. • Grab bars in the bathroom already installed. • A roll -in shower with a shower seat. B. Future Directions and Research When we embarked on the Washington Court research project our goals were extremely ambitious. The initial team asked whether and how living in a universal design apartment could change and benefit people's lives. We had hoped to evaluate the effectiveness of certain features and amenities. The research team posited that UD resulted in increased social, educational and employment opportunities, decreased reliance on home health care, personal assistance services, and public benefits, and allowed for greater independence. The grand scheme was to interview tenants every six months for several years to record and evaluate their income, benefits, third -party assistance, social activities and functional abilities. In retrospect, these objectives were impractical and far beyond the resources, budget and expertise of our clinical law program, which operates as a law firm. That said, we believe that our research supplements the existing data surrounding residential universal design and might be used to spark discussions and contribute to policy debates about multigenerational and affordable housing. From our perspective, the project is a success if stakeholders use the report, conduct - your -own survey and universal design checklist to evaluate living environments and share their experiences with others. All limitations aside, the report furnishes a snapshot of the people who lived in the apartments in October 2008 and chronicles their impressions, experiences and opinions. Additional research will be required to develop a more detailed portrait of people at Washington Court and people who live elsewhere. We are fairly certain that other organizations are conducting more rigorous formal research studies; we look forward to receiving their findings and insights. This section summarizes ongoing and potential Clinical Law Program projects and gives suggestions for how to better examine universal design in different contexts. Expand the Washington Court Housing Survey. A more elaborate survey is needed to supplement and interpret our original findings with a larger sample size. The study population could include all residents of subsidized housing units in Dubuque. Or, researchers could study tenants in larger apartment complexes in other cities. We hope to replicate and expand upon our findings and confirm that there are two distinct groups of residents, those who value UD and those who are apathetic toward it. Refining our methodology will hopefully result in statistically significant and generalizable findings, particularly about people who have functional limitations and those who do not. Conduct a Matched Pair Analysis of a Universal Design and Standard Built Single Family Home. The REALTOR® Homes For Our Future is a homeownership project in Iowa City to build and showcase an affordable, single family home that incorporates universal design, green and sustainable building practices. http: / /www.icaar.org /node /483. The home is based on a standard model the local developer routinely constructs. We modified the original design, floor plan, equipment, heating systems and other features to incorporate universal design (and green features, such as geothermal heating). The buyers have agreed to be interviewed several times after the sale to help us evaluate the usability, desirability and cost - effectiveness of the modifications. We also plan to study the specific and opportunity costs of universal design. The project may decide to test using the conduct your own universal design and green home survey and checklist we developed. Evaluate Universal Design in Historic Preservation. Step by Step Inc., and the City of Dubuque asked us to help redesign, rehabilitate and transform an1890s brownstone into seven universal design apartments and a community kitchen for use by persons with disabilities. We secured permission from HUD to grant priorities to income eligible applicants with qualifying disabilities. These applicants must use mobility aids and need the UD and accessibility features in the building, such as the elevator, power assist doors, top loading microwave, motion - sensor lighting, roll -in or low threshold showers, etc. Tenants are expected to move into the building in May 2009. City officials are interested in surveying the tenants on an ongoing basis to measure the benefits and cost effectiveness of UD and energy- saving devices in the building. They are considering using the survey and checklist we developed or enlisting our help in conducting the study. The city will review its building codes and contracts and determine if it will require minimum UD features and standards in all publicly funded housing projects. Universal Design in the Workplace and Commercial Facilities. Do businesses and employees benefit from universal design? And, if so, what should the design and construction standards be? These questions are unresolved and, for the most part, have largely been ignored by the private sector to date. Gronen Restoration requested that we review the drawings and floor plans for the adaptive reuse of the historic Roshek Building in downtown Dubuque, which was formerly a department store. Future tenant IBM intends to open a technology service delivery center that is LEED- certified and includes UD. Another opportunity arose recently in Dubuque; the city is revitalizing its Warehouse District for mixed residential and commercial use and is interested in incorporating UD as it expands. In a related vein, The Global Universal Design Commission is researching and developing voluntary consensus standards for buildings, products and services to guide corporations and government entities in the creation of barrier - free commercial facilities. Developing a Model to Record, Track and Measure Project Costs. Documenting the costs associated with universal design has been problematic for just about everyone involved in housing. On -site change orders, purchase orders and receipts, bid books and itemized accounts are often misplaced or archived quickly as one project ends and another begins. To complicate matters, the price of hardware, cabinets, appliances and fixtures fluctuate, vendors go out of business or rename their products and many label items as ADA- approved even though no one certifies or approves products based on complying with ADA Accessibility Guidelines. Hard, accurate and reliable cost information is hard to find. A focal point of future research should be the creation of a system to record, track, and measure project costs. A retrospective examination of Iowa City's B Street UD Home. In 2001, the city teamed up with a local homebuilder, the legal clinic and community organizations to design and build a single - family home with basic and state of art features, including a motorized, adjustable kitchen sink. One of the owners has lived there since he bought the house in 2003; he has opened the home to the public and clinic students every year. With his permission and adequate resources, we will inspect and photograph the house to find out how well the appliances, cabinets, hardware and fixtures have held up to daily use. We have videos and pictures of the home to conduct a "before and after" assessment to supplement personal interviews. Information, floor plans and pictures are at http : / /www.icgov.org /defaultl ?id =1169 and http:// www. uiowa .edu /infotech /News17- 1.pdf. II. Background for Washington Court A. The Washington Court Complex The Building. Washington Court is located at 1798 Washington Street in Dubuque. It involved the major rehabilitation and adaptive reuse of the former Dubuque Casket Company into 36 affordable rental housing units. Twenty -four of the 800 to 900 square foot units are one bedroom units, and twelve of the 900 to 1000 square foot units have two bedrooms. Nine of the units are designed and equipped to meet the needs of persons with mobility and sensory impairments (HC units), and to the extent practicable, the facility includes universal design features to promote life -span living for persons of different ages and abilities. To rent an apartment at Washington Court, a tenant must have income that is at or below 60% of the area median income. Development Team. Community Housing Initiatives, Inc., a nonprofit organization located in Spencer, Iowa teamed with Gronen Restoration, Inc. to develop Washington Court. In Vision Architecture of Sioux City along with Jeff Morton of Dubuque were the project architects. Funding. The development team secured funding from a variety of public and private sources to complete the project. The most significant dollars came from: Conventional Bank 200,000 IA Dept Economic Development (HUD HOME Pass - through) 800,000 City of Dubuque (HUD CDBG pass through) 200,000 Cit of Dubuque (HUD Lead Paint Abatement Funds) 188,000 Iowa Housing Enterprise Zone Tax Credit Proceeds 177,878 Low Income Housing Tax Credit Proceeds 2,875,133 Federal Historic Rehabilitation Tax Credit Proceeds 906,794 Iowa Historic Rehabilitation Tax Credit Proceeds 613,141 Total $5,969,946 Building Codes, Accessibility Standards and Universal Design Guidelines. The complex includes 36 affordable apartments on the upper three floors and the Crescent Community Health Center and Project Concern, a social service agency, on the ground floor. To qualify for tax credits and be listed on the National Register of Historic Places in 2006, the award - winning project also had to retain or incorporate specific features and elements. The mixed -use and multi - family dwelling facility was built with certain tax credit and block grant funds, which required the architects and contractors to meet many and sometimes conflicting building code and accessibility standards. As a result, several rooms or spaces were subject to one or more construction standards. To eliminate or reconcile differences, the project employed the standard that provided the greatest degree of access and usability. Universal design standards were developed by the University of Iowa Clinical Law Programs from a variety of sources, including previous projects, Iowa Finance Authority inspectors and other entities that are noted in the Washington Court Universal Design Survey Checklist in the appendix. Here is select list of applicable codes and standards. 2003 International Building Code 2003 International Residential Code 1997Uniform Code for Building Conservation Uniform Federal Accessibility Standards (UFAS) Americans with Disabilities Act Accessibility Guidelines (ADAAG) Fair Housing Act Accessibility Guidelines (FHAct) ANSI accessibility standards for public and common uses areas Iowa Code Chapter 104A Iowa Department of Public Safety Rules: individual dwelling units 661 IAC 16.720 Iowa Department of Public Safety Rules: reserved parking 661 IAC Ch. 18 Iowa Department of Public Safety Rules: public /common use areas 661 IAC Ch. 16 B. Clinical Law Program Role and Activities The Clinical Law Program has for more than a decade engaged in community and systems reform projects to address the critical shortage of housing in Iowa that is affordable, accessible and usable throughout a person's life span. Student Legal Interns and faculty provide no -cost technical and consultant services and legal advice to lawmakers, agencies, non - profits and grassroots organizations on a variety of issues. Our philosophy and basic premise is to make buildings and apartments as welcoming as possible to as many people as possible regardless of age, size, shape and ability. When dwellings are not properly designed from the outset, people cannot live independently, use the sink, stove, bathtub or shower without assistance, do the laundry, use the intercom system, entertain guests or negotiate their home. To address the concerns of all stakeholders, we face the difficult task of balancing cost and features against the different levels of usability and livability. The mission, as we see it, is to leave disability out of the equation so developers and the public no longer think "ramps" and "wheelchairs." Washington Court is singular in that involves every project phase -- from the design and construction of the building to our post- occupancy study of tenant awareness and the effectiveness, use and benefits of the building's access and universal design features. Our initial role began in 2005 when City of Dubuque officials and Gronen Properties enlisted our help to research and review universal design features, appliances and technology and focus on designs and solutions that were practical and affordable. To meet these initial objectives, we participated in the Iowa Fair Housing Act Accessibility Conference, met with Iowa Finance Authority specialists to review the drawings, universal design options and costs, and toured several private homes that showcase basic and state of art technology and smart design for multigenerational living. We solicited recommendations from home modification and universal design listservs and, to gain a more human and real -world perspective, we attended and made presentations at housing and disability conferences. For instance, we attended the Voices Summit, a two -day conference hosted by the directors of independent living centers that promoted independent living. Our team prepared walkthrough checklists and issue sheets in large print, made projections of the blueprints available for anyone who required them, personally interviewed about 35 people with mobility, sensory and intellectual impairments and canvassed most of the 120 attendees and vendors to get their feedback on the blueprints. We educated people about the Washington Court Project and provided them with drawings of all of the apartments, bathroom and kitchens. Most important, we collected comments, criticisms and suggestions from people about the barriers they confront in their homes on a daily basis and asked them how they would change the design, layout or appliances to enhance usability and accessibility. We also asked Jordan Pettus of Corridor Design and other local specialists to review the plans and exchange ideas on construction, costs and design. These consultations yielded a wealth of information, ideas, and resources that exceeded our expectations. Our second objective was to apply what we had learned and conduct a review of the drawings created by In\Vision Architecture and architect Jeff Morton. After considering the recommendations we received from consumers and trade professionals, we conducted a comprehensive review of the drawings and consolidated our findings into a master checklist. In October 2005, we presented our findings and recommendations to the developer and the Dubuque Housing Commission. The plans were revised somewhat in response to our comments, and we subsequently prepared another report that noted the degree to which our initial recommendations were implemented or incorporated into the facility. (See Appendix IV.) Later, we toured and surveyed the building during several construction phases, including pre - cover (before the walls were finished) and post occupancy inspections. We fielded questions onsite and from our offices on matters ranging from code compliance and conflicts to minimum dimensions and specifications for roll -in showers, mailboxes, alarms, counter -tops, stoves, controls, furniture and lighting. In addition, we constantly updated the contractor and developer on universal design breakthroughs and concepts. In the process of design and construction we offered advice as well as criticism when it was appropriate. As watchdogs, we sought to ensure that at least minimum regulatory guidelines were met, and as advocates, we further sought to ensure that the tenets of universal design would be followed wherever practicable. While construction was proceeding, the City of Dubuque asked the Clinic to continue its involvement with the Washington Court project in conducting research on whether tenants used or benefited from any of the building's amenities and features. With this mandate and our institutional memory, we set out to design and conduct a rigorous research study and sought the assistance of Dr. Helen Schartz of the UI Law, Health Policy & Disability Center, Lisa Halm - Werner, now with Kleffmann Group North America, and Heather Ritchie, a Graduate Student with the University of Iowa School of Social Work and noted disability advocate. When construction was complete, we attended the ribbon cutting ceremony, toured the building several times to verify information needed for the study and shifted our focus to obtaining approval from the university Institutional Review Board. Over the next year, as tenants began to move into Washington Court, we worked to design a research plan and study that capitalized on our ever present involvement and the relationships we developed over the years. The research team fine -tuned the survey's focus, completed the questionnaire and literature review, created informed consent and notice materials for the residents and sought Institutional Review Board (IRB) research certification for each team member. The IRB approved the research project in April 2008, and we fielded the survey that fall. Lisa Halm- Werner provided phone training and support, and Sarah Davidson furnished invaluable feedback as the first test subject. C. The Washington Court Project and Goals We had several objectives for our study of Washington Court. The first objective was to learn about residents' experiences living at Washington Court. We were interested in 1) what motivated residents to move to Washington Court, 2) whether the universal design features have added to residents' quality of life, and 3) what the residents' would change about Washington Court. The results section of this report covers these topics. The second objective was to test our survey instrument's effectiveness in gathering information on accessibility and universal housing design more generally. The methodology section of this report covers these topics. The appendices include our suggestions for conducting your own universal design survey. The third objective is to encourage builders, developers and funding agencies to use the information and findings and voluntarily incorporate universal design into residential, business and commercial facilities. The fourth objective is to persuade state and local lawmakers and agencies to require minimum universal design features in publicly funded housing of all types or to provide incentives for builders, developers and consumers to do so. D. The People of Washington Court Understanding the target population is important in interpreting any data collected through a survey. However, some preliminary information about the population provides some guidance in the early stage of survey design and later in revisions. Such was the case with Washington Court, where we designed our initial survey based on some information we already had about the residents. We were later able to use that information in combination with more detailed information we obtained in the survey to assemble a portrait of the people of Washington Court. We extrapolated most of the preliminary information we used from information we were provided about the building. This data was quite broad and vague, but it nonetheless helped us devise a survey that was generally applicable to our target population. For example, before we crafted our survey, we knew that we would encounter some residents with functional limitations because of handicap accessible units at Washington Court as well as the purpose of this study. We also knew that residents would have to meet income requirements to live at Washington Court because it is subsidized housing. However, we did not limit our inquiry to these early generalizations and sought more detailed information in the survey itself. To add detail to the data we collected about residents of Washington Court, we included some questions about the residents' basic demographic information. This part of our investigation included questions about residents' living arrangements, income, and when and why they moved to Washington Court. So as to better understand residents' responses to the main questions about the building, we also asked residents about their functional limitations, independence and need for assistance, and their finances. We also learned that the owners entered into an agreement with the Dubuque Visiting Nurses Association to deliver services to help residents with disabilities to live independently. The information we collected is summarized below as a portrait of the people of Washington Court. Basic Demographics. Even some basic demographic information about the residents of a building can provide some clues about which design features to include in the building. For example, a basic understanding of the residents' financial status and income level can help a landlord or building designer determine if a feature should be standard or if the resident could later absorb the costs associated with providing their own adaptive means. An example of this would be a low income resident who is burdened by having to buy a step -stool to reach items in the kitchen and would otherwise save money, time and energy if cabinets, storage, appliances and controls were mounted within easy reach. Similar inferences can be drawn from other demographic information such as age and whether a person lives alone or with a roommate or spouse. From data we received from the landlord, we knew the building housed 45 residents in 36 apartments, nine of which were designated handicap accessible units (HC units). Out of this population, we conducted surveys with 27 residents. Five residents only completed part of the survey, so we dropped their responses in our final analysis, which resulted in our final sample of 22. Fifteen (15) of those residents lived in one bedroom apartments, and seven lived in two bedroom apartments. Only three respondents lived alone, whereas nineteen shared their apartment with someone else.' Furthermore, a majority of residents at Washington Court are single (63 percent single compared to 27 percent divorced or separated), while very few are married (9 percent). Most residents are under age 45 (63 percent), and only two respondents were over age 65 (9 percent). The residents of Washington are similar in age distribution to the greater Dubuque area, which has an average age of 38. About 72 percent of respondents work, with 50 percent of residents working full time. I n addition, 40 percent either attend school or plan to attend school in the near future. The building has off - street parking, and 68 percent of respondents report using a personal or family car for transportation. Additionally, one -third of respondents use public transportation regularly (32 percent). As previously mentioned, Washington Court is a subsidized housing project, and residents must meet specific income requirements in order to live there. Accordingly, we found that 23 percent of respondents receive Social Security retirement benefits, 14 percent receive Social Security Disability benefits, 18 percent receive Supplemental Security Income, and at least 14 percent receive food stamps or other government assistance. We also found that 18 percent of residents make less than $10,000 annually, 32 percent of residents make between $10,001 and $20,000 annually, and 23 percent make between $20,001 and $30,000 annually. Nobody reported earning over $40,000 annually. Residents had lived at Washington Court for varying amounts of time before we interviewed them, giving them a different perspective on the building depending on whether they had been there for awhile or just moved in. Half of the residents we interviewed moved to Washington Court between September and November 2007, so they had lived at Washington Court for over a year when we conducted our survey. Forty -five (45) percent of residents had lived there for less than one year. Only one resident lived at Washington Court for less than one month before we interviewed him (5 percent). Functional Limitation Data. Although functional limitation data more easily translates into proposed building enhancements, it is also somewhat more difficult to capture. We included 'This factors into frequency of use of certain features of the apartment and may be an indicator of functional limitations, assistance with daily tasks, and overall UD features as being adaptable to persons of different functioning levels in the same unit at the same time. 2 It should be noted that more aged individuals may be underrepresented in this study. 3 US Census Data from 2000, available online at: <http: /Iwww. census .gov /mainlwww /cen2000.html >. 4 9.1 percent refused to disclose income and 5 percent did not know their income. some questions about functional limitations in our survey of the residents of Washington Court because knowing about residents' functional limitations allows us to better understand why they may benefit from or value a particular accessibility or Universal Design feature. Put simply, this data provides an additional answer to the follow -up question "why" for each feature evaluation and response in the remainder of this study. However, functional limitation data is more difficult to obtain with simple pointed questions, in part because the definition of a functional limitation is highly subjective. Only a small group of people identify themselves as having some form of functional limitation, such as the permanently disabled. If we were to limit our study of functional limitations in a population to questions that produce this small group then we would have a very incomplete picture. Accordingly, it is best to think of functional limitations in a population as a series of concentric circles, with the self - identified functionally limited in the smallest central circle. The next set of people can be identified through questions about the use of assistive devices, such as grabbers, and ease of performing daily tasks, like doing laundry. But universal design is supposed to take into account aging -in- place, passing injuries, fluctuating health and functioning and permanent impairments. So an appropriate line of questioning involves asking if an injury developed while living at Washington Court or if it was a preexisting condition and whether the resident needed assistive devices on a daily or passing basis. Asking more general questions about whether a person has suffered an injury or been limited in their ability to perform daily tasks in the past six months, year, and five years will finally result in a more complete picture of residents' limitations and abilities. Essentially, over a long enough timeline, everyone will have had some period when they had some functional limitation, difficulty with stooping, bending, walking, seeing, hearing, etc. 1. Self -ID, Permanently Disabled ‘,)•40. 2. Use Assistive Devices 3. Difficulty Performing Daily Tasks 4. Passing or Infrequent Injuries & Limitations 5. General Limitation or Injury in Recent Past 6. Potentially Everyone Over a Long Enough Time Span Here is what we found. Forty -one (41) percent of respondents informed us that they had some form of "functional limitation." Some residents with functional limitations live in non -HC units. We only interviewed six residents living in HC units, but interviewed nine residents with a functional limitation. Only six residents responded "Yes" to "Do you have any functional limitations ?" However, more responded "Yes" when the functional limitations were more specific to an ability such as the seven who responded "Yes" to, "Do you have any trouble stooping or kneeling ?" So, the total number of persons with a functional ability was determined by adding those who responded positively to the later questions about ability to the initial question about general functional ability. Most of those with functional limitations had problems stooping or kneeling (7 of 9, or 78 percent of residents with functional limitations), followed by trouble walking (6 of 9, or 67 percent), and then trouble reaching (5 of 9, or 56 percent). Four out of 22 respondents (18 percent) reported having difficulty with "activities of daily living," and 18 respondents reported no problems with such activities (77 percent). Four respondents (18 percent) also reported that their functional limitation was "permanent or indefinitely recurring," which means that their building evaluations will most likely not change due to a new betterment in their personal condition. As previously mentioned, we further learned about respondents' functional limitations in terms of three categories that relate to the type of assistive technology used in relation to a certain limitation. The three categories are limitations requiring use of mobility devices, limitations requiring use of manipulation devices, and limitations requiring use of communicative devices. Six respondents (27 percent) reported using mobility equipment such as wheelchairs, crutches, and walkers while living at Washington Court, and three of them reported using the equipment on a daily basis. Four respondents (18 percent) reported using manipulation devices such as reachers and grabbers, and only one of those respondents (4 percent) reported using such devices daily. One respondent reported using communicative devices while living at Washington Court in the form of a text telephone (5 percent). Another three residents used orthotics or braces on a passing basis while residing at Washington Court (14 percent). We also defined the degree of a functional limitation according to whether residents moved to Washington Court with the limitation or if the limitation developed while they lived at Washington. Eight respondents (36 percent) informed us that they used "assistive devices or equipment" before living at Washington Court. Of these respondents who had used such devices, five informed us that they used mobility devices (23 percent), and three of them used such devices on a passing basis (14 percent). Two respondents used "manipulation devices," one on a daily basis and one on a weekly basis (5 percent, respectively). One respondent used "assistive communications equipment" on a daily basis (5 percent). Also, two residents reported using orthotics, braces, splints, or supports on a passing basis before moving to Washington Court (9 percent). As a further measure of functional limitations, we asked respondents whether they needed assistance from others with personal care and daily activities both before and while living at Washington Court. Eighteen (18) percent of respondents said they needed assistance of this sort both before and while living at Washington Court. The most common person who provided such assistance was a family member, followed by a "home health care agency" (18 percent and 9 percent, respectively).