The True Cost Of Living

The National Law Center on Homelesness and Poverty. “Homelessness stems from a lack of affordable housing. Increasing rents, destruction of traditional low-income housing, and cuts in federal housing programs threaten affordable housing with extinction.”

Every New Yorker has the right to a safe and affordable place to live in. New York’s shortage of affordable housing has reached a crisis point. Poor and elderly people throughout New York City are at a greater risk of homelessness and forced low-income residents do not have food or medical care to stay in their homes. A sinful structure of homelessness in New York City is New York’s shortage of affordable housing. Millions of New Yorkers are desperate to find affordable housing and tens of thousands are forced to live either in dirty shelters or on the streets. Recent data indicates that nearly 60,000 people, including more than 23,000 children, stay in the city’s main homeless shelter system (Guelpa). A small amount of poor renter households received a housing subsidy from the local government. Little assistance is being provided which means that most poor families and individuals that seek assistance

Many advocates and policymakers of housing for the poor believe that to achieve optimal human development of low-income households the location of the housing must be considered as well as the quality of the housing unit (Newman, 2008).

“Supporters of strict laws barring behavior associated with the homeless argue that allowing large numbers of homeless people to commit quality-of-life offenses in urban neighborhoods is unfair to those who work, live, and play in those neighborhoods” (“Homelessness”).Allowing homeless people to linger in communities is unjust to the people who live there and work there. “Proponents of housing first note that the cost of providing homeless people with apartments is far less than the cost of letting them remain on the street” (“Homelessness”).It costs less to house the homeless rather than to let them stay on the street. “Housing first, they contend, has demonstrated that chronically homeless people are not beyond help but just require permanent housing before they can properly address mental or physical disabilities” (“Homelessness”).Housing first will help address a homeless person’s problems and will have permanent housing for the

Affordable housing: Rental housing or property that costs no more than 30% of one’s income. This is the long-established criterion for housing affordability (Joint Center for Housing Studies of Harvard University, 2013).

It is often easy to castigate large cities or third world countries as failures in the field of affordable housing, yet the crisis, like an invisible cancer, manifests itself in many forms, plaguing both urban and suburban areas. Reformers have wrestled passionately with the issue for centuries, revealing the severity of the situation in an attempt for change, while politicians have only responded with band aid solutions. Unfortunately, the housing crisis easily fades from our memory, replaced by visions of homeless vets, or starving children. Metropolis magazine explains that “…though billions of dollars are spent each year on housing and development programs worldwide, ? At least 1 billion people

One of the simplest pieces of knowledge we acquire in elementary school (for future growth and development) are the three basic needs a living organism requires for living: food, water, and shelter. However, not everyone has access to all of these essentials. Homeless people are faced with awful conditions and suffer more due to poor weather conditions, diseases, and lack of safety. There hasn’t been much progress on this issue, and if this continues, the number of homeless people will only increase. In a few states the topic is being named as a “statewide emergency”, but unfortunately this problem is national. Instead of focusing on state programs, local programs and non-profit organizations to fix the housing issue, we must all contribute to ending this epidemic. The National Alliance to End Homelessness (NAEH) released an article stating, “In January 2015, 564,708 people were homeless on a given night in the United States” (Snapshot of Homelessness). We must develop a solution to end long term homelessness immediately. The best way of solving this issue is to provide stable long-term housing, which is a term used to describe the home’s environment and financial status.

One of the causes of homelessness in Baltimore City is lack of affordable housing, this includes subsidized housing from the state. Lack of affordable housing in Baltimore City is due to an increase luxury housing and Baltimore’s decrease desire for rental housing (Mayor’s Office of Human Services, 2013). Available housing is not proportional to the wages of people living in Baltimore City. Nearly half of renters in Baltimore spend 35% of their income or more on their rent. The waiting list for Baltimore City opened in 2014 and 74,000 households applied for 25,000 available slots for up to six years to own a voucher (“Homelessness in Baltimore,” 2017). For the extremely poor population there are only 42 available homes for over 100 people who identify with the population (Public Justice Center, 2015). Therefore, Baltimore needs to make affordable housing for their population or there should be an increase in jobs and wages. However, the private sector is not interested in developing houses for the low-income population because it is not profitable compared to selling a building to a company to make luxury housing (Richman, 2015).

Throughout my research I found there is a real cry out for action on providing more affordable house not just locally but throughout the country. There needs to be more funding available to build more gear to income or subsidized housing and all levels of government need to take action.

Everywhere you turn in the United States people are sitting on the corners of streets asking for assistance or digging in trash cans for meals. The epidemic of homelessness in the United States has reached an all-time high since the 1990’s. Unfortunately, the adage of people chose to be homeless was not accounting for families that live paycheck to paycheck and lose their job and therefore their housing because it is unavoidable. Alternatively, many individuals that are homeless have some type of mental illness or substance abuse problem thus creating a barrier to maintaining housing. Many of these individuals are incapable to preserve stable employment and have limited support to get off the streets. However, there are several programs that the federal government fund to assist with combating the problem of homelessness in America.

Article 25 of the Universal Declaration of Human Rights asserts that housing is a fundamental component to a decent standard of living, yet few city governments--even in the most developed economies--have proven themselves capable of ensuring such a basic right to their constituents (United Nations, General Assembly). Ranked 49th among the 50 U.S. states for its number of housing units per capita, California has notoriously struggled with chronic shortages in its urban housing market. With 118,142 homeless people recorded in 2016, California holds almost 22% of the nation’s homeless population (Fact Sheet: Homelessness in California 1).

Another major cause of homelessness in Edmonton addressed by the committee is the lack of affordable housing available. According to the Canada Mortgage and Housing Corporation (2008) in 1999, the average two bedroom apartment rental rate was $650/month, by 2008 the amount for the same two bedroom apartment had risen to an average of $1,170/month – an increase of 80%. The rental increase, coupled with the historically low rental availability of about 1.5% correlated directly with the “drastic decrease in rental incentives” (Avison Young, 2010); the same rental incentives that generally gave a renter a break on damage deposit, first month’s rent or utility payments. So a major increase in rent saw many people losing their homes; a substantial decrease in availability added to people not being able to find new homes; and the almost complete absence of rental incentives blocked those who found a place to rent from obtaining the rental unit.

The lack of affordable housing in the United States is a problem that doesn 't receive nearly the attention that it necessitates. This absence of affordable housing became especially prevalent following World War II when suburbanization spread across the country like wildfire. Although the sheer number of homes increased, Jim Crow segregation influenced housing policy, meaning that white institutions prevented blacks from obtaining the mortgages needed to afford such homes. Therefore, rather than accept subprime loans, which often result in foreclosure, many black people have been pigeonholed into paying exorbitant rates for dilapidated rental properties located in inner-cities, thereby creating the affordable housing problem. Although the situation seems bleak, with careful planning and execution, we can solve the affordable housing problem. Specifically, my proposal involves the following two components: the government must first revise and draft three forms of legislation that create strict yet concise standards that landlords must follow, and then allocate federal funding to health and wellness programs within poor communities. By examining the contributing societal factors to the lack of affordable housing in Milwaukee, Wisconsin, and then implementing the proposal mentioned above, one could potentially solve the affordable housing problem there and transpose the plan to other impoverished cities across the country.

Affordable housing is where it all begins, it is important to have affordable housing in nicer neighborhoods, like McKinney in

Still, some Americans have become homeless due to the loss or lack of employment. With the recent economic recession, many companies have moved to other parts of the country or have outsourced, leaving many without jobs. Displaced workers face difficulty finding new employment. Others lack the minimum job skills to attain employment. The lack of education increases the likelihood of a low income. It is difficult for those with little education to find work that provides a decent wage. They have less of a chance of making a desirable income. Education and basic skills are needed in acquiring jobs. Those with more education generally earn more than those that are less educated. The lack of education and training, combined with low wages, keep many families from moving up.