Households are considered to be cost burdened if they spend more than 30 percent of their income on housing and severely cost burdened if they spend more than 50 percent of their income on housing.5Cost-burdened households have little left over each month to spend on other necessities such as food, clothing, utilities, and health care.1,6Black and Hispanic households are almost twice as likely as White households to be cost burdened.7, Due to a limited rental market with few affordable vacancies, people with the lowest incomes may be forced to rent substandard housing that exposes them to health and safety risks, such as vermin, mold, water leaks, and inadequate heating or cooling systems.6,8They may also be forced to move in with others, potentially resulting in overcrowding.9Overcrowding is defined as more than 2 people living in the same bedroom or multiple families living in 1 residence.3,10Overcrowding may affect mental health, stress levels, relationships, and sleep, and it may increase the risk of infectious disease.11,12,13, Housing costs that are more than a household can reasonably afford can lead to foreclosure or eviction (a forced move).9Forced moves may also happen if a landlord is in foreclosure or the property is deemed unsafe for living.14Foreclosures cause loss of money and possessions and can damage the social fabric of neighborhoods.15Evictions that go through the court system result in a permanent record, which can cause potential landlords to refuse to rent to evictees in the future.16Research has shown that renters who are forced to move are more likely to relocate to poorer and higher-crime neighborhoods compared to those who move voluntarily.17Evictions may be especially traumatizing to residents due to short relocation notices.17,18Suicide rates linked to stress doubled between 2005 and 2010,19when the United States experienced historically high rates of foreclosures, including foreclosures on rental properties.8,20, Housing instability may impact some populations more than others. Recent analysis estimates that the amount of back rent owed may reach as much as $34 billion by years end, with more than 20 million renters8 million Rent burden, housing subsidies and the well-being of children and youth. If your landlord refuses to participate in the program (after repeated requests from us), you may be eligible to receive direct payment of the financial award. Mortality among homeless adults in Boston: Shifts in causes of death over a 15-year period. However, throughout the pandemic, advocates39 have shown that these protections, while essential, have fallen short and that much more emergency action is necessary as need continues to remain high.40, The Coronavirus Aid, Relief, and Economic Security (CARES) Act, which was signed into law in March 2020, provided direly needed housing protections and homeless services aids.41 However, many of these protections and aids have expired, such as unemployment insurance benefit boosts and a moratorium on evictions for federally backed housing. Receipt due to past How stable is stable? It doesnt matter how long you have been living in your current rental home. WebRISK OF HOUSING INSTABILITY FORM . As part of your ERAP application, you are required to provide contact information for your landlord and submit a "recommendation request" to your landlord. Talk to your landlord. The positions of American Progress, and our policy experts, are independent, and the findings and conclusions presented are those of American Progress alone. Once you click all three boxes, read their content and close the windows, you can click Next to continue. The Center for American Progress is an independent nonpartisan policy institute that is dedicated to improving the lives of all Americans through bold, progressive ideas, as well as strong leadership and concerted action. WebA utility bill or proof of address (if the address on your ID is not your current address), Monthly rent and amount past-due, Proof of household income in 2020, Proof of public assistance (if applicable), and Valid email address. Special Inspector General, Troubled Asset Relief Program (SIGTARP), Administrative Resource Center (ARC)- Bureau of the Fiscal Service, Department of Housing and Urban Developments ", American Community Survey (ACS), specifically US Census 2019 5-Year Estimates Tables. We help tenants in housing crisis due to fire, natural disaster, eviction, or condemnation. doi: 10.2105/AJPH.2005.076190, Baggett, T. P., Hwang, S. W., OConnell, J. J., Porneala, B. C., Stringfellow, E. J., Orav, E. J., & Rigotti, N. A. Units must undergo inspection to ensure compliance with HUD habitability standards before assistance can be paid. However, housing discrimination policies that disproportionately affect people of color, such as barring people with criminalized records from renting or obtaining housing vouchers,7 are still legal; and other discriminatory practices, such as landlords showing families of color fewer rental options,8 still occur with little tracking or accountability. WebProof of Housing Instability Acceptable Documents may include: Disconnected Utility Notice Self-Declaration of Homelessness Self-Declaration of Housing Instability Identification of Utilities and home energy costs include electricity, gas, water and sewer, trash removal, and fuel oil. `Fr4S;D1 The use of fact-specific proxy describes the scenario where a grantee re-affirms a tenant's income self-attestation by cross-referencing it with income data about a particular population and/or a particular geographic area. This example shows a way to structure the rent assistance portion of an application. The affordable housing crisis: Residential mobility of poor families and school mobility of poor children. Lost and reduced income has worsened already difficult situations for many. (see Figures 1 and 2) With communities of color also navigating the collective pain of higher rates of COVID-19 cases, hospitalizations, and deaths,30 they must face additional medical and funeral costs in addition to potential lost employer-sponsored health insurance and reduced household income due to unemploymentor worse, the loss of an income-earners life. Journal of Health and Social Behavior, 32(4), 357367. They may ask you for a written statement. Use your landlord as a reference so they can confirm your risk of housing instability. if(subscribe.checkValidity()) { If you have overdue rent, the money must go toward rent that you owe, first. A past due utility or rent bill or eviction notice, Proof that you live in unsafe or unhealthy living conditions, or, Other proof that the program asks you for, Proof that you paid utilities for your home or apartment unit (like a water bill), Other paperwork that shows regular rent payments, or, You havent signed or co-signed a mortgage for the property that you are renting-to-own, You havent exercised an option to purchase the property. WebTo show housing instability, you may need to sign a written statement. If you need help understanding any of the eligibility requirements, please reach us at 651.219.4503 for help. It allows the applicant to fill in each month they are asking for assistance on, as well as any fees, and calculates the total amount of assistance requested for them. This example illustrates how you can structure the section on utility assistance. The three types of eligibility attachments required include: Proof of doi: 10.2105/AJPH.2011.300139, Meltzer, R., & Schwartz, A. Harvard University. If you need help paying your past and future rent, apply for rental assistance today. Here's a snapshot of the objectives related to topics covered in this literature summary. Can I get help to cover my mortgage, utility, or energy costs? dataLayer.push({"event": "signup_submit", "form_detail":"enSubscribeSlideUp"}); As a result, more renters are turning to savings,32 retirement,33 and the newly accepted rental payment method by many landlordscredit cards.34 These methods of staying afloat that so many are now turning to plant the seeds of future financial struggle, as many diminish personal emergency funds and increase debt as individuals and families try to stay housed.35 Tenant advocate groups, researchers, and agencies across the country have identified eviction as a perpetuator of poverty,36 a driver of homelessness,37 and a public health crisis.38, In response to the coronavirus pandemic, some emergency housing protections have been taken at the local, state, and federal levels. Try working with them to create a repayment plan for unpaid rent and resolve any issues related to your lease. We also have information on emergency resources for tenants. } subscribe.submit(); A full list of supporters is available, Fannie Mae and Freddie Mac Can Support Racial Equity in Homeownership and Environmental Justice Efforts, The United States Must Deliver on Equitable Housing Outcomes for All, The ARP Grew the Economy, Reduced Poverty, and Eased Financial Hardship for Millions, Why the United States Must Stay the Course on Ukraine, Paid Leave Policies Must Include Chosen Family, The Killing of Tyre Nichols Must Serve as a Catalyst to Root Out Racial Injustice in Policing, 5 Ways Governors and Mayors Can Leverage Federal Investments. This example would document unsheltered The question How confident are you that your household will be able to pay your next rent or mortgage payment on time? (Question 41) was asked in phases 1 and 2 of the HPS, which include weeks 1 through 16 (April 23 to October 12, 2020). Journal of Family Issues, 37(7), 921946. Federal rules allow local rental assistance programs to cover rent or utilities for low-income families. You might also be asked to show: A past due utility or rent bill or eviction notice; Proof that you live in unsafe or unhealthy living conditions, or; Other proof that the program asks you for As recent analyses show, renters of color are experiencing disproportionate negative outcomes from COVID-19. Jaboa Lake is a senior policy analyst for the Poverty to Prosperity Program at the Center for American Progress. But many families who do not become homeless face The question Is this household currently caught up on rent payments? (Question 40b) was asked in Phase 2 of the HPS, which includes weeks 13 through 16 (August 19 to October 12, 2020). Proof of financial impact; 4. You can get emergency rental help even if you have a rent-to-own agreement with your landlord, as long as: Rental assistance can also be used to cover mooring fees. (2011). For additional information on cross-cutting topics, please see the Incarceration, Poverty, and Quality of Housing literature summaries. Recovery for many individuals and families will extend well beyond the COVID-19 pandemic. start with the rental assistance programforyour state, tribe, or localarea. Segregating shelter: How housing policies shape the residential locations of low-income minority families. Call. doi: 10.1007/s13524-015-0419-9, DeLuca, S., Garboden, P. M., & Rosenblatt, P. (2013). doi: 10.2307/2094818, Lepore, S. J., Evans, G. W., & Palsane, M. N. (1991). If youre able to, you should pay your rent. These are the first in a series of examples demonstrating best practices for service delivery and can be an inspiration for how grantees may iterate and evolve their applications and programs to better serve tenants and landlords. During the pandemic, renters of color have reported less overall confidence in being able to pay their next months rent and have reported not having paid the previous months rent on time at disproportionately higher rates than their white counterparts. Find Rental Assistance Programs in Your Area, Take Action To Avoid Eviction Using the CDC Order, Start a Conversation About Rent Repayment, Protections for Renters in Multi-family Housing or Federally Subsidized Housing. Journal of Urban Health, 88(3), 390402. The CARES Act required landlords to provide at least a 30-day notice to tenants before filing an evictiona protection that is not set to expire.89 This protection, and other prefiling notice requirements,90 provide tenantswho previously only had a few days notice before court involvement91more time to take the action needed to prevent their eviction or, if an eviction does occur, search for emergency housing. The state of the nations housing 2020. doi: 10.1093/aje/kwn182, National Bureau of Economic Research. They may also be able to help you get legal, financial, or other help. doi: 10.2105/AJPH.2014.301945, Manglik S. (2012). Grantees should adjust the content in the help text to be consistent with the specific policies and procedures that have been developed locally. Can I get help with rent and utility bills from last year? https://www.congress.gov/bill/100th-congress/house-bill/558, Schanzer, B., Dominguez, B., Shrout, P. E., & Caton, C. L. (2007). Desmond, M., & Shollenberger, T. (2015). http://nlihc.org/sites/default/files/Renters_in_Foreclosure_2012.pdf [PDF 428 KB], Busacker, A., & Kasehagen, L. (2012). These filings are then reflected negatively on tenants credit reports and public records.59 When a tenant is evicted, loss of housing can fuel cycles of multigenerational poverty.60, Across their lifetime, 1 in 5 Black women are evicted, compared with 1 in 15 white women.61 The threat of eviction is a stressful event with negative health impacts.62 Even if housing is not lost, the eviction process can have negative effects on the health of household members. When documentation of a rental agreement is unavailable, focus on proving residence and monthly rental amount. var subscribe = document.getElementById('enSubscribeFooter'); Beyond moratoriums and court action, invisible or soft evictions continue to occur across the country, with tenants being locked out of their homes56 or having their utilities shut off against local protections,57 which may take a toll on renter confidence in the effectiveness of some legislation. The effects of exposure to better neighborhoods on children: New evidence from the Moving to Opportunity experiment. 0
Hide complexity from an applicant until or unless they must take action. Find out if emergency rental assistance applies to your special situation. Low-income children who switch schools frequently tend to perform less well academically, are less likely to complete high school, and as adults obtain jobs with lower earnings and skill requirements. If you apply for help with utilities, be ready to show a bill, invoice, or proof of payment to the utility company or home energy service provider. Protecting programs that include a race-conscious approach means vetoing harmful actions such as the recent Executive Order on Combating Race and Sex Stereotyping,85 which will punish government contractors and nonprofits who provide trainings on race and sex diversity, equity, and inclusion by withholding federal grants for these lifesaving programs.86 It also means protecting the FHA87 and reviving the Affirmatively Furthering Fair Housing provisions that combat housing discrimination and promote community participation.88. Our aim is not just to change the conversation, but to change the country. Nontribal members living on Tribal lands can receive emergency rental help from a Tribe or Tribally Designated Housing Entity (TDHE), as long as you are not already getting assistance from another Tribe or TDHE, or from a state or local government. This example shows how in these instances, you can ask for documentation of the rental address and evidence of past rental payments or allow tenants to self-attest. Am I eligible for emergency rental assistance? http://www.nber.org/mtopublic, U.S. Department of Housing and Urban Development. WebProof of Identity Person whose ID is provided must be on the lease ID of any form (U.S. or non), ideally with photo or signature Proof of Housing Instability (any of the following): Past Due Rent Utility Notice Court Case Paperwork Evidence of Unsafe/Unhealthy Living Conditions Income Verification (any of the following): This rate of housing cost burden is well over WebDocumentation/proof of Housing Instability due to COVID-19 financial hardship. If your landlord normally pays for utilities or home energy costs, these are counted as part of your rent. Authors note:CAP uses Black and African American interchangeably throughout many of our products. Program requirements may differ at the local level. Been, V., & Glashausser, A. If youre a landlord, eligibility is based on your tenants household needs, and youll be asked to show that your tenants household is eligible for assistance. http://www.jchs.harvard.edu/sites/default/files/sonhr14-color-full_0.pdf, Joint Center for Housing Studies. Sign up for the Mayor's Office of Housing's monthly newsletter. 208 0 obj
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State and local programs are taking applications from renters and landlords to distribute money from the U.S. Department of Treasurys Emergency Rental Assistance (ERA) program in their own communities. Additionally, people with criminal records continue to face barriers in obtaining rental housing. (1987, July 22). What kind of proof can I use to show my income? NOTE: The Office of Housing Stability is located at 43 Hawkins Street. 230 0 obj
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Continues Encampment Cleanups During The Pandemic Despite CDC Guidance, DCist, October 15, 2020, available at, Theresa Clift, Sacramento police still clearing homeless CDC coronavirus guidelines discourage it,, Jakob Rodgers, Sweeps Of Homeless Camps Run Counter To COVID Guidance And Pile On Health Risks, KHN, June 26, 2020, available at, Marisa Westbrook and Tony Robinson, Unhealthy by design: health & safety consequences of the criminalization of homelessness,, Centers for Disease Control and Prevention, Interim Guidance on People Experiencing Unsheltered Homelessness., Movement for Black Lives, What Is the BREATHE Act?, available at, Movement for Black Lives, Section 3: Allocating New Money To Build Healthy, Sustainable & Equitable Communities for All People, available at, National Alliance to End Homelessness, The Framework for an Equitable COVID-19 Homelessness Response, available at, Executive Office of the President, Executive Order 13950: Executive Order on Combating Race and Sex Stereotyping, Press release, September 22, 2020, available at, National Council of Nonprofits, The Executive Order on Combating Race and Sex Stereotyping, available at, U.S. Department of Justice, The Fair Housing Act, available at, National Fair Housing Alliance, Furthering Fair Housing, available at. Therefore, a national, comprehensive moratorium on evictions should be extended past the pandemic to ensure that renters are able to remain housed. I have a rent-to-own agreement with my landlord. Before COVID-19, half of all renters were moderately or severely cost-burdened, with at least 30 to 50 percent of their household income going toward housing costs.9 Cost-burdened renters, particularly those of color, are the most at risk of eviction due to the increased likelihood of missing rent payments. Web(e.g., proof of residence at an eligible rental unit in the absence of a lease/rental/sublease agreement) Financial Impact (e.g., unemployment, reduction in i ncome, significantly increased expenses, or other financial hardship) Housing Impact (e.g., risk of housing instability or homelessness) Income qualification Recent analysis estimates that the amount of back rent owed may reach as much as $34 billion by years end, with more than 20 million renters8 million householdsfacing possible eviction by January 2021.31 Renters of color disproportionately report being behind on rent, (see Figure 3) and unpaid rent continues to grow. If they do not agree, or if they do not respond within seven days (or within five days, if the program contacts your landlord by phone, text, or e-mail), your local program may be able to give the money to you. (June 24, 2020), available at, Protecting Renters from Evictions and Fees Act of 2020, S. 4097, 116th Cong., 2nd sess. doi: 10.1016/j.ssresearch.2011.03.008, H.R.558 - 100th Congress (19871988): Stewart B. McKinney Homeless Assistance Act. Housing Policy Debate, 26(1), 172187. Each week, theOffice of Housing Stabilityhosts a virtual legal clinic for small landlords and tenants. Free civil legal aid to low-income people in Boston. Current housing stock does not fit the needs of multigenerational families of color. Then you must use the money to pay the landlord or utility yourself. The National Innovation Services Framework for an Equitable COVID-19 Homelessness Response, for example, took a participatory action approach to engaging communities with lived experiences with housing insecurity and homelessness in developing guidelines for decision-makers to build equity-focused COVID-19 homelessness relief approaches.84 Meaningful community partnerships must be prioritized, resourced, and sustained to ensure more equitable responses. The CDC moratorium ended on August 26, 2021, but help is available. They must also have reasonable procedures in place to prevent fraud. National Center for Children in Poverty, Columbia University. Renters of color are more cost-burdened. Check with your local program to find out how they can help. Four in 5 landlords use criminal background screening when evaluating tenant applications,101 and people with criminal records are often ineligible for public and supportive housing programs.102 These barriers disproportionately affect people of color and contribute to the cycle of housing insecurity and incarceration.103 Repealing these restrictions and practices while jointly adopting automated record-clearing programs, such as the Clean Slate Initiative,104 would help provide access to affordable housing and keep people lodged. It is clear that the coronavirus pandemic is affecting renters of color differently, exacerbating past inequality, and leading the path to a future of worsening inequality. Journal of General Internal Medicine, 21(1), 7177. Meanwhile, the Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act42the anticipated relief package that was originally passed in the U.S. House of Representatives in Mayand a revised version of that bill passed by the House in October43 have yet to be introduced in the U.S. Senate. (2011). Long entrenched, racially targeted policies and practices at the local, state, and national levels have led to discriminatory practices and disparities in rental housing.4 The Fair Housing Act (FHA) of 1968 prohibits discrimination against applicants and tenants based on various identities, including race.5 Yet despite the FHA and its amendments, overt and subtle racial discrimination still occurs. Grantees should adjust the list of utilities, and the examples of each utility, to ensure the utilities listed are consistent with the specific policies and procedures that have been developed locally. Local programs have different requirements.
However, if you have overdue rent, the money you get must go toward rent that you owe before it can be used for future rent. These policies and practices continue to keep people of color in poverty. Allow applicants to progress and self-attest if they cannot provide documentation. Asking for the total amount that the tenant owes for the utility allows all fees needed to maintain that utility to be included. Communities of color, disadvantaged from a long history of racism that has undermined their financial stability and housing security, now find their hardships further exacerbated by the ongoing pandemic. If you're becoming a landlord for the first time, this guide can give you an overview of what to expect. Moving to Opportunity (MTO) for Fair Housing Demonstration Program. Check with your local program to find out if theyre using this flexibility. In Syracuse, almost 55% of our renters spend 30% or more of their income on housing costs, including rent and utilities. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Housing affordability and health: Evidence from New York City. Frequent family moves have been linked to attention and behavioral problems among preschool children. State and local renter assistance programs, including local moratoriums on evictions, have developed across the country.54 Local moratoriums vary with regard to which stages of the eviction process are halted, from filing to court proceeding to voluntary or forced vacation of a rental unit.
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