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91-1897 ��_ � Council File f �/'��7 / �/ � � . �' Green Sheet # ��/� RESOLUTION CI F SAINT PAUL, MINNESOTA . � • esentad By R�f�rrod To �,� �- _ %c �-ev{ , Committee: Date _ �d '�8'` `� WHEREAS, the affordable housing needs of Saint Paul residents, especially those with low or very low incomes and special needs, are among the central concern of the City Council and the City of Saint Paul; and WHEREAS, the proposed Comprehensive Housing Affordability Strategy (CHAS) (1992-1996) includes updated information on housing assistance needs, market and inventory conditions, five-year affordable housing strategies, and a one-year resources and implementation plan to guide affordable housing action; and WHEREAS, the CHAS (1992-1996) has been developed to meet federal requirements established under the 1990 Cranston-Gonzalez National Affordable Housing Act, including citizen participation requirements; and WHEREAS, the Saint Paul Planning Commission found the proposed CHAS (1992- 1996) to be consistent with the City's Comprehensive Plan; and WHEREAS, the Planning Commission held a public hearing on the CHAS (1992-1996) on September 24, 1991 and the DRAFT CHAS was made available for public review and ' comment for a 60-day period frt�m August 10, 1991 to October 10, 1991, and revisions were made based on public comments; and NOW, THEREFORE, BE IT RESOLVED that the City. Council approves the GHAS (1992-1996) as the City's affordable housing strategy for the next five years, and transmits it to the Department of Housing and Urban Development for their approval. Ye� Nava Absent Requested by Department of: on W t Plannin & Economic Development ��e'e— � � m ' u e � By: i son Adopted by Council: Date 0 CT 2 4 1991 Form Appr e by i y orney Adoption Certified by Counci Sec etary gY; � BY� � Approved by Mayor for Submission to Approvsd by Ma or: Date OCT 2 � 19 Council � � �� By: .��%I�Gk%�' . BY' Pi�LiSNED NOU 2'91 ! - . ��1�� l�� ,� . < < . DEPARTMENT/OFFICE/COUNCIL DATE INITIATED PED Planning and Design Divisio 9/2��91 REEN S T N° 17518 CONTACT PERSON 8 PHONE INITI LY l� INITIAL/DATE DEPARTMENT DIRECT �CITY COUNCIL Barbara Sporlein 228-3395 ASSItiN CITYATTORNEV CITYCLERK MUST NUAABER FOR gUDGET DIRECTOR r FIN.&MOT.SERVICES DIR. ROUTINQ Ct. 8 t� refer t� HED Oct. Q ORDER �MAYOR(ORASSISTANn �an Corne�o TOTAL#OF SIGNATURE PAGES (CLIP ALL LOCATIONS FOR SIGNATURE) ACTION REQUESTED: P�ayOY� ta approve the CHAS by s i gni ng transmi ttal and certi fi cati ons. Mayor to sign 9 thank you letters to members of the Citizen Steering Committee. City Council must approve final CHAS. In order tQ meet the Oct. 31 HUD deadline. the CHAS must �e on the Coun il agenda on Oct 8 to refer to HED for Oct. 9. The City Council should vote on Oct 22. RECOMMENDATIONS:Approve(A)or Reject(R) pERSONAL SERVICE CONTRACTS MUST ANSWER THE FOLLOWING QUESTIONS: _PLANNIN(3 COMMISSION _ CIVIL SEAVICE COMMISSION 1• Has this persOn/firm ever worked under a contrect for this de��E�V E D _CIB COMMITTEE _ YES NO _STAFF _ 2• Has this person/firm ever been a city employee? YES NO _ DISTRICT COURT _ 3. Does this personlfirm possess a skfll not nortnall � �� oy y possessed b ur n cit ee? SUPPORTS WHICH COUNCIL OBJECTIVE7 YES NO Explain sll yes answers on ssparete shsst end attach t h �� INITIATINO PROBLEM,ISSUE,OPPORTUNITY(Who,What,When.Where,Why): The Comprehensive Housing Affordabil�ty Strategy (CHAS) 1992�199E is required for any jurisdiction to receive any direct assistance from HUD including CDBG funds under the 1990 National Affordable Housing Act. The CHAS, approved by the City Council and Mayor, must be subraittec� to NUD by October 31, 1991. ADVANTAOES IF APPROVED: The Cit,; ►ri11 be eligible to recei`ve direct HUD assistance. ��E '!'1 b �4 � C�0 pi �S 0�,��C�u.�rt�t�" wiu, P,E ��-r ��Y -ra DISADVANTAGES IF APPROVED: �r None. ^ �� W�� Il.��J� ��. 'r'�-L' ��fiAcG4+LD C�l�Y S�b t�.C.D �� 5 IC�i� �°n-�� r�t � tb c��t-�c.-r p . DISADVANTAQES IF NOT APPROVED: The City will not be eligible to receive any direct HUD assistance including CDBG funds. RECEIVED O C�f O 1 1991 TOTAL AMOUNT OF TRANSACTION � COST/REVENUE BUDGETEO(CIRCLE ONE) YES NO FUNDING SOURCE ACTIVITY NUMBER FINANCIAL INFORMATION:(EXPLAIN) j� LJ 3 a _ • . . . NOTE: COMPLETE DIRECTIONS ARE INCLUDED IN THE GREEN SHEET INSTRUCTIONAL MANUAL AVAILABLE IN THE PURCHASING OFFICE(PHONE NO. 298-4225). ROUTING ORDER: Below are correct routings for the five most frequent rypes of documents: CONTRACTS(assumes authorized budget exists) COUNCIL RESOLUTION (Amend Budgets/Accept.Qrants) 1. Outside Agency 1. Department Director 2. Department Director 2. City Attorney 3. Ciry Attorney 3. Budget Director 4. Mayor(for contracts over$15,000) 4. Mayor/Assistant 5. Human Rights(for contracts over$50,000) 5. City Council 6. Finance and Management Services Director 6. Chief Accountant, Finance and Management Services 7. Finance Accounting ADMINISTRATIVE ORDERS(Budget Revision) COUNCIL RESOLUTION (all others, and Ordinances) 1. Activiry Manager 1. Department Director 2. Department Accountant 2. City Attorney 3. Department Director 3. Mayor Assistant 4. Budget Director 4. Ciry Council 5. City Clerk 6. Chief Accountant, Finance and Management Services ADMINISTRATIVE ORDERS(all others) 1. Department Director 2. Ciry Attorney 3. Finance and Management Services Director 4. City Clerk TOTAL NUMBER OF SIGNATURE PAGES Indicate the#of pages on which signatures are required and paperclip or flag each of these pages. ACTION REQUESTED Describe what the projecUrequest seeks to accomplish in either chronologi- cal order or order of importance,whichever is most appropriate for the issue. Do not write complete sentences. Begin each item in your list with a verb. RECOMMENDATIONS Complete if the issue in question has been presented before any body,public or private. SUPPORTS WHICH COUNCIL OBJECTIVE? Indicate which Council objective(s)your projecUrequest supports by listing the key word(s) (HOUSING, RECREATION, NEIGHBORHOODS, ECONOMIC DEVELOPMENT, BUDCiET, SEWER SEPARATION). (SEE COMPLETE LIST IN INSTRUCTIONAL MANUAL.) PERSONAL SERVICE CONTRACTS: This information will be used to determine the ciry's liability for workers compensation claims,taxes and proper civil service hiring rules. INITIATING PROBLEM, ISSUE, OPPORTUNITY Explain the situation or conditions that created a need for your project or request. ADVANTAGES IF APPROVED Indicate whether this is simply an annual budget procedure required by law/ charter or whether there are specific ways in which the City of Saint Paul and its citizens will benefit from this projecUaction. DISADVANTAGES IF APPROVED What negative effects or major changes to existing or past processes might this projecUrequest produce if it is passed (e.g.,traffic delays,noise, tax increases or assessments)?To Whom?When? For how long? DISADVANTAGES IF NOT APPROVED What will be the negative consequences if the promised action is not approved? Inabiliry to deliver service?Continued high traffic, noise, accident rate7 Loss of revenue? FINANCIAL IMPACT Although you must tailor the information you provide here to the issue you are addressing, in general you must answer finro questions: How much is it going to cost?Who is going to pay? w. M�'�.�w�.:.:.�kTY.:., r..s.. . . � � .. , , 9�_ igq� ,/ C1TY OP ��$ 7 ' - y CITY OF SAINT PAUL a wuttttu , a m� �u n � � � OFFICE OF THE CITY COUNCIL �e6• CITY HALL-7th FLOOR-SAINT PAUL, MINNESOTA 55102 612-298-5506 TOM DIMOND COUNCILMEMBER Members: Tan Dimond, Chair Paula Maccabee Dave Thune Date: October 9, 1991 COMMITTEE REPORT HOUSING AND ECONOMIC DEVELOPMENT COMMITTEE 1. Approval of the minutes of the September 25, 1991, meeting of the Housing and Economic Development Committee. COMMITTEE APPROVED, 3-0 2. Financial Assistance to a Redeveloper and Modification of the Tax Increment Financing Plan Budget for the West Midway - South St. Anthony Park Tax Increment Financing District, District 12 (Referred from HRA 9-24-91) . THIS ITEM WAS LAID OVER TO THE OCTOBER 23, 1991, HOUSING AND ECONOMIC DEVELOPMENT COMMITTEE MEETING (HRA) 3. Resolution 91-1897 - approving the Comprehensive Housing Affordability Strategy (CHAS) (1992-1996) for the next five years and transmitting it to the Department of Housing & Urban Development for their approval (Referred from Council 10-8-91; Last in Committee 9-25-91) . COMMITTEE RECOMMENDED APPROVAL, 3-0 4. Request for authorization to develop guidelines for the Middle Income Housing Program and to proceed to secure financing resources (Referred from HRA 10-8- 91) . - COMMITTEE RECOMMENDED APPROVAL, 3-0 (HRA) 5. Authorization for approval of $50,000 Loan to Expo Graphics, Inc. , 746 Selby Avenue, District 8 (Referred from HRA 10-8-91; Report will be submitted prior to HED Committee meeting) . THIS ISSUE WAS LAID OVER TO THE NOVEMBER 13, 1991, HOUSING AND ECONOMIC DEVELOPMENT COMMITTEE MEETING (HRA) CHAIR: Housing and Redevelopment Authority & Housing and Economic Development Committee COMMITTEES: Public Works & Intergovernmental Relations Printed on Recycled Paper °6�S � . ; . . �--y,,��`� ✓ city of saint paul planning commission resolution file number 91-�0 �te Se� -ember 77_ 1 4q1 COMPREHENSIVE HOUSING AFFORDABILITY STRATEGY (CHAS) 1992-1996 yVHEREAS, the affordable housing needs of Saint Paul residents, especially those with low or very low incomes and special needs, are among the central concern of this Commission and the City of Saint Paul; and WHEREAS, the proposed Comprehensive Housing Affordability Strate�ry (CHAS) (1992-1)9G) indudes updated information on ho�sing assistance needs, market and inventory conditions, five-year affordable housin� strategies, and a one-year resources and implementation plan to guide affordable housing action; and WHEREAS, the CHAS (19)2-199G) has been developed to meet federal reyuirements established under the 1990 Cranston-Gonzalez National Affordable Housing Act, including citizen �artici�ation requirements; and WHEREAS, the Planning Commission has held a public hearing on the CHAS (1992- 199G) and made revisions based on �uhlic comments; and NOW, THEREFORE, BE IT RESOLVED that the Planning Commissions finds the proposed CHAS (1992-1996) to be consistent with the City's Comprehensive Plan �ind transmits it to the Mayor and the City Council for approval and adoption. moved by TREICHEL seconded by ��QQ� � in favor 16 against o , : . . �� f COMPREHENSIVE HOUSING AFFORDABILITY STRATEGY (CHAS) CITY OF SAINT PAUL, MINNESOTA FISCAL YEAR 1992 - 1996 Submission Approved by the Saint Paul Planning Commission September 27, 1991 James Scheibel, Mayor - ✓ � . �� TABLE OF CONTENTS List of Tables and Figures List of Terms ' Introduction and CHAS Development Process . 5 Section I. COMMUNITY PROFILE Part 1. Needs Assessment A. Housing Needs 7 Table lA 7-a-e B. Supportive Housing Needs of Homeless Persons 10 C. Supportive Housing Needs for Others with Special Needs 15 Part 2. Market and Inventory Conditions A. Market and Inventory Conditions 19 Table 2A 19-a Table 2B 21-a Table 2C 23-a B. Inventory of Facilities and Services for the Homeless 25 C. Inventory of Facilities and Services for Others with Special Needs 29 Section II. FIVE-YEAR STRATEGY Part 3. Strategies A. Priorities for Allocating Investment 32 Table 3 32-a B. Relevant Public Policies 33 C. Programs, Services, and Special Initiative Strategies 35 D. Institutional Structure 37 E. Coordination of Resources 40 Section III. ONE-YEAR ACI'ION PLAN Part 4. Resources 42 Table 4/SA 42-a,b,c Part 5. Implementation A. One-Year Action Plan 48 Table SB � 53-a B. Monitoring Plan 58 Citizen Participation Process 59 Certi�cations 60 Summary of Citizen Comments 61 � �� ,�9 LIST OF TABLES AND FIGURES Section I. Community Profile Page Table lA Housing Assistance Needs of Low, Moderate Income Households 7-a-e Figure 1 Rent Burden � 8 Table 2A Population and Minority Data 19-a Map 1 and 2 Minority Population and Percent Minorities by Location 19-b Figure 2 Household Trends 20 Map 3 Median Household Income 20-a Table 2B Market and Inventory Conditions, Housing Stock Inventory 21-a Figure 3 PHA Family Housing Units 22 Table 2C Assisted Housing Inventory 23-a Figure 4 Assisted Units Eligible for Prepayment/Termination 24 Figure 5 Inventory of Facilities for the Homeless 25 Figure 6 Accessible Housing Inventory 29 Figure 7 Elderly Housing Inventory 30 Figure 8 Community Residential Facilities 31 Section II. Five-Year Strategies Table 3 Priorities for Assistance, 5-Year Plan 32-a Section III. One-Year Plan Figure 9 Summary of Anticipated Resources FFY92 42 Table 4/SA Anticipated Resources and Plan for Investment 42-a,b,c Figure 10 Summary of Plan for Investment FFY92 48 Figure 11-a Summary of Goals - Rehabilitation 53 Table SB Goals for Families to be Assisted with Housing 53-a Figure 11-b Summary of Goals - Acquisition 54 Figure 11-c Summary of Goals - New Construction 55 Figure 11-d Summary of Goals - Tenant Assistance 55 Figure 11-e Summary of Goals - Homebuyers Assistance 56 Figure 11-f Summary of Goals - Support Services and Operating Expenses 56 Figure 12 Summary of Goals for Families FFY92 57 J LIST OF TERMS AFDC Aid to Families with Dependent Children AIDS Acquired Immune Deficiency Syndrome BR Bedroom(s) CDBG Community Development Block Grant Program CHAS Comprehensive Housing Affordabiliry Strategy CIAP Comprehensive Improvement Assistance and Grant Program CIB Capital Improvement Budget CRP Saint Paul Community Resources Program DPS Minnesota Department of Public Services ESG federal Emergency Shelter Grant program FHF Minneapolis/Saint Paul Family Housing Fund FFY Federal•Fiscal Year GA General Assistance GED General Equivalency Diploma HAP Housing Assistance Plan HIO � Saint Paul Housing Information Office HIP Saint Paul's Home Improvement Program HOME federal Home Investment in Affordable Housing Program HOPE federal Homeownership Opportunity for People Everywhere Program HRA Saint Paul Housing and Redevelopment Authority HUD US Department of Housing and Urban Development JTHDP federal McKinney Job Training for Homeless Demonstration Program LIHTC Low Income Housing Tax Credits LISC Local Initiatives Support Corporation MAP Minnesota AIDS Project MDH Minnesota Department of Health MHFA Minnesota Housing Finance Agency MLS Multiple Listing Services � NCDI National Community Development Initiative NH&BL TIF New Housing and Blighted Lands Tax Increment Financing District NOFA Notice of Fund Availability NSP Northern States Power Company OSB Saint Paul Overnight Shelter Board PED Saint Paul Department of Planning and Economic Development PHA Saint Paul Public Housing Agency RRLP Saint Paul Rental Rehabilitation Loan Program � RRP federal Rental Rehabilitation Program STD Sexually Transmitted Diseases SRO Single Room Occupancy STRIDE Minnesota's Federal Welfare Reform Program (JOBS) 'ITF Tax Increment Financing UCIPBP Unified Capital Improvement Program and Budget Process � .. �/�� / ( work sessions have been integrated into the City's FFY92 CHAS. Intergovernmental cooperation was achieved in various ways. The CHAS Coordinator has been working closely with the Minnesota Housing Finance Agency's CHAS Coordinator to not only help each other interpret the CHAS guidelines and regulations, but to identify data resources and brief each other on their respective CHAS findings and recommendations. In addition, Saint Paul initiated meetings with its neighboring counties of Ramsey, Washington, and Dakota. The purpose of the meetings was again to share data and brief each other on CHAS findings and recommendations, but also to discuss the possibilities for more regional coordination in the area of affordable housing. This is an adopted policy for the City as well as the Metropolitan Council; the CHAS appeared to be a good vehicle to start the coordination process. T'he following is a summary of the City's CHAS development process: Mayor Approved work program, recommended CHAS for adoption. CHAS Coordinator Project Manager, technical assistance. City CHAS Staff Team Responsible for the development of various CHAS elements. Citizen Steering Committee Resource, administration, review. . • Work Sessions Agency/organization/citizen input. Regional Coordination MHFA, neighboring counties. Planning Commission Reviewed CHAS for policy consistency, held public hearing. Citizen Participation Process Citizen Steering Committee, work sessions, public � comment period, public hearing. City Council Policy formulation, reviewed and approved CHAS. 6 ��-9�'`��'� � INTRODUCTION In recent years, the City of Saint Paul, along with various non-pro�t, public, and private organizations, has been very active in assessing its housing needs and developing and implementing housing policy and programs to address those needs. The City conducted the 1988 Housing Conditions Survey, a complete inventory' of the physical conditions of the City's housing stock. The Saint Paul Housing Policy For The 1990's was adopted by the City Council in September 1990 following two years of needs assessment and policy formulation. It constitutes a statement of housing policy for the City that replaces a 1980 chapter of the City's Comprehensive Plan. The 1991 Housing Action Program is the Mayor's annual implementation program for the Policy Plan which specifies the steps to be taken during 1991 to implement the plan recommendations and the agencies and organizations responsible for them. It will be revised and reported on each year. Housing policy for the 1990's will focus on maintaining and improving the existing housing stock and neighborhoods, ensuring a strong market and confidence in Saint Paul, and working toward providing affordable and appropriate housing and human service opportunities for all Saint Paul residents. It is within this context that the City of Saint Paul developed its first Comprehensive Housing Affordability Strategy for FFY92. CHAS Development Process. � Shortly after the President signed the 1990 Cranston-Gonzalez National Affordable Housing Act into law in November of 1990, City staff started to prepare for the development of the CHAS. A project coordinator was designated within the Planning and Design Division of the Department of Planning and Economic Development. Her immediate job was to educate herself of the 1990 Affordable Housing Act provisions and the CHAS requirements. She attended the HUD-sponsored HOPE and HOME seminar in Washington, DC as well as a number of local seminars sponsored by various organizations on how to develop a CHAS. Management then established a twelve-member CHAS Staff Team who were made responsible� for different elements of the CHAS. Once the Mayor approved the City's CHAS development process, as proposed by the staff team, he invited a group of citizen representatives, who had served as the Working Group on Housing for the Mayor's Strategic Plan, to reconvene and serve as the CHAS Citizen Steering Committee. Members of the Steering Committee are private and non-profit representatives in the area of housing and supportive services provision. Their role was an administrative and resource one. They worked closely with the Staff Team in the development of the CHAS. 1fie Steering Committee and the Staff Team identified four areas where more focused citizen involvement was warranted. Interested groups and individuals were sent an open invitation to attend one or more of these work sessions. Notices were sent out through the City's Early Notification System (over 250 contacts) and to a list of agencies and organizations involved in housing and service provision (over 28 contacts). The work sessions were carefully structured to identify issues and possible strategies. The dates and topics of the work sessions were June 3 (Institutional Structure and Relevant Public Policies), June 5 (Homeless Strategy), June 7 (Goals), and June 10 (Resources and Plan). Many of the strategies and needs discussed at the 5 / �i-��1 ✓ , , C;�� SECTION I. COMMUNITY PROFILE PART 1. NEEDS ASSESSMENT A. HOUSING NEEDS Summary of Current Estimates � Saint Paul is a city that has a variety of competing housing needs for limited resources. Low- income elderly housing needs and the need for small units in Saint Paul are relatively well met, but growth in family housing need in recent years has far outstripped the available supply and deep subsidy assistance for very low income households is not equal to the demand. There are currently enough rental units to fit the demand of Saint Paul residents, but the types of units available do not meet the needs of those households. More rental assistance is needed to close the affordability gap. Many of the low rent units need rehabilitation, but at costs that will not result in higher rents. Some existing small units will need to be converted to large units, while some new construction will be needed to provide housing for low income large families, to replace lost housing units, and to meet redevelo}�ment needs. HAP Figures Table lA presents housing need data from the City's most recent Housing Assistance Plan. These figures are derived from 1980 Census data, updated as much as possible with subsequent HAP submissions. Because of the dynamics of low income housing need, it is obvious that data based on the 1980 Census cannot represent the current situation with any accuracy. In 5aint Paul's case, low income housing need has been strongly affected by a large influx of Southeast Asian refugees, almost all of which has occurred since 1980, by apparent general growth in the poverty population, and by higher growth rates in minority groups generally characterized by low incomes. See Table 2C for an inventory of those households already receiving assistance. Waiting Lirz A current indicator of relative levels of need, though it does not provide a measurement of overall magnitude, is the demand experience for available housing. As of August 13, 1991, the 3,365 households on the Public Housing Agency's waiting list for housing assistance includes 1,829 for Section 8 Certificates and Vouchers, 642 for elderly/disabled/singles public housing hi-rise units, and 894 public housing family units. Waiting list by bedroom size: 1BR 2BR 3BR 4BR SBR+ Section 8 453 896 345 84 51 Public Hsg (Family) 92 356 397 26 20 545 1252 742 110 71 Applications for four bedroom or larger units have not been accepted for over two years because of the lack of available units. Presently, a need for a one or two-bedroom unit can usually be met within suc months within the hi-rises, not the Section 8 program. The wait for a three-bedroom unit is estimated to be in the neighborhood of five to seven years, and larger units simply aren't available. 7 . J . . � w m $ �o � � $ rn � c� �,� . a � $ � € a �� 3 mo _ > 6i � y— i �a' a= � • $� � � . � o� �_ . � m � �� m � �� _ �s c� � U eEo� �, fTj a � �� s N �e$ �° � _ �m" . � �, � .Z• N p . e—°� c�a '�s '�x � > 'O V �$ O C� Q � � N . a ea O c O c c C ' m � W O =a .y � � o = _ ~ .-� . a o.� � � Q � o E '� y C7 m a EE L o .� pmo �� , m t a o � d`o o. 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O � '.,_, E v a � �� 0 ^ N . d � � � � � z- 0 � � � � �� y � � m da Q � � d d •- o � "�_ ,S 'm G� � � o � c � r� t � Z � � � �p � . � W 8 m � .� Q� V +� E� � y �0 G � � . C C � r- �E ° 2e co a�i di Q x � � � N .. w a 'o � g g � �d u� Q y � � � � �.5 ° �' � � y ° � � � �° '� � o� r � � � O � m � o o � � c � �E � � c � � � � � c „ � 8 G� y .a � � � �c�C � � � � -a E o � � � � E � o m v ^ .� x • 3 � '� a 0 � � �n► a o m c arn � � .� m $ a pm � $ m' c � �rn ° �3 '� °�° o Z N �. t�_._ �c $ U W m = EO ; � .Y � � o o � .Y i3 m o ; °: � `� � � o c .� m . ^ C $ C �. O O o a � U .J O � m i� V J .a. � �+ m a V O p 3 � . vi 'y � � m m � J = aaci m = aac°� � 9 .=,,raac°� � x � �' a m ciii � $ = � ° ° � = � p � � �� > � o � � � � � a � U i J Z • • O � N N st b fG 1� 0� Ol N N � • � N l0 vf 1p t0 1� aD Ol 7-e �'��"�� Rent Burden. Current data are not available to assess the rent burdens and severe rent burdens of all renters or low income renters. In 1979, the Saint Paul median household income was $10,645 for renters and $21,516 for owners. The Twin Cities Metropolitan Area median income was $20,699, which means nearly half of Saint Paul's renters had incomes of less than half the metropolitan median. A common problem arising from the relatively low incomes of Saint Paul renters is that the households with the lowest incomes pay the largest percent of their incomes for rent. In 1980, 37 percent, or 17,272 households, paid over 30 percent of their income for rent. Eighty-five percent of these households had 1979 incomes below $10,000. Sixteen percent, or 7,557 households, paid over 50 percent of their incomes for rent - 74 percent of them had incomes below $5,000. Of all households with incomes below $10,000, 67 percent paid over 30 percent of their income for rent and 34 percent paid over 50 percent. This compares to the less than one percent of households with incomes over $20,000 who paid more than 30 percent of their incomes for rent. Also from 1980 Census data, there were 65,156 rental households in Ramsey County, 47,008 in Saint Paul. Of those households, 16,956 in Ramsey County and 12,937 in Saint Paul were paying more than 35 percent of their income on rent. Figure 1 Households with Rent Burden by Household Income Saint Paul. 1980 Rent <30% Rent 30-49% Rent 50%+ Income of Income of Income of Income <10,000 7,209 7,311 7,421 10-19,000 14,329 2,358 136 20,000+ 7.975 46 0 29,513 (63%) 9,715 (21%) 7,557 (16%) Source: Saint Paul Planning Division based on 1980 Census Data. Estimate is based on allocating households whose rent burden were "not computed", based on rent burdens of other households with similar income. Income shown is 1979. Saint Paul's median contract rent was $389 in 1990. The 1980 median rent was $207 which translates to $333 in 1990 dollars. This shows that rent has increased 17 percent more than inflation, addin� to rent burden. 1990 comparisons of rent and income are not available. Minority Need. Accurate data on minority need by household type are not available. The following statement is from the city's Housing Assistance Plan, with updated information. The Metropolitan Council in its "Housing Development Guide" for 1986-1995 estimates the number of minority households in need of rental assistance. The report used 1980 Census data to estimate housing need and defined need by HUD guidelines: 1) living in overcrowded conditions with more than 1.01 persons per room; and/or 2) living in a unit lacking some or all plumbing facilities; and/or 3) renters paying 30 percent or more of income for rent; or 4) 8 J owners living in a home built before 1939 and worth less than $27,500. The report estimates that there are 1,735 low income renter minority households of two or more persons that are inadequately housed in Saint Paul. Of those 1,735 households, 711 are Black; 158 are American Indian; 471 are Asian; 364 Hispanic; and 31 are "other" minority group. Since these estimates are based on 1980 Census data, they undoubtedly underestimate minority housing need. Preliminary 1990 Census data indicates the following increases in minority population in Saint Paul: Black, 51 percent; American Indian, 46 percent; Asian, 612 percent; and Hispanic origin or descent,46 percent. No adequate basis exists for a more detailed description of minority housing need by tenure, household type, or minority group. This will be feasible once more 1990 Census data become available. - Clearly, the continued growth in the City's Southeast Asian population has been and will remain the most significant change in the profile of minority housing needs. Census data show that the Asian and Paci�c Islanders population increased 612 percent in the 1980's from 2,695 in 1980 to 19,197 in 1990 (these figures exa�gerate the increase because of undercounting in 1980 when many Asian households were counted in the "other" category). As of May 31, 1991, 1,023 Southeast Asian families lived in the City's four congregate public housing developments (80 percent of all families living there). Another 276 Southeast Asian families were on the waiting list (36 percent of the total waiting list). A Wilder Foundation Saint Pau1 Southeast Asian Family Housing Survey indicates the average Southeast family household consists of six persons. The survey also found that approximately two-thirds of Southeast Asian families in private market housing and nearly all the public housing residents have incomes below the poverty level. The minority population in general, and particularly the Southeast Asian population, is dominated by households with children. This underscores the need to preserve existing affordable rental housing and to provide to the eztent possible, additional large rental housing. Five Year Projections Some continued increase in low income family need can be expected because of continued increase in low income population groups (including the refugee population, single parent households, and the elderly) and because of lack of adequate job opportunities. However, a weakened rental housing market and housing opportunity in adjacent communities could be offsetting factors. No basis exists for making a reliable projection of the changes in employment or other factors that will increase affordable housing need. The possible need for a five-year projection will be re-evaluated once more 1990 Census data are available. � 9 �,��"��✓ B. SUPPORTIVE HOUSING NEEDS OF HOMELESS PERSONS - CURRENT ESTIMATES Nature and Extent of Homelessness The 1990 Saint Paul Overnight Shelter Board (OSB) Annual Report estimates that 1,153 persons (unduplicated count) occupied shelter beds during a 45-day period in Saint Paul. This is regarded as a rough estimate of the size of the homeless population in Saint Paul at any given time. The Report concludes that overall shelter demand in 1990 was about average for the past three years. Demand by men is slightly below average; demand by women with children is above average for the past three years. For most of the year, there appears to be a sufficient supply of general emergency shelter space to meet the needs of Saint Paul residents. However, peaks in seasonal demand for shelter for families with children su�gests that the current shelter system is not adequate to handle overflow accommodations, especially if area motels can no longer be used for this service. Careful monitoring of shelter use and demand will be needed. In addition, Saint Paul needs to develop a plan for responding to sudden upturns in shelter space demand. Data also suggests the need for more shelter capacity for victims of domestic abuse and their children. The shelter resident profile survey finds the following characteristic trends of shelter residents: 1) minority representation has increased from 37 percent to 59 percent in one year; 2) 39 percent of the survey respondents have lived in the Twin Cities for less than one year, consistent with finding from 1984 and 1987; and 3) Black, Hispanic, and American Indian shelter users are more likely that Whites to have lived in the Twin Cities less than one year. The majority of shelter users in 1990 were non-White (59 percent), young (average age = 34), and male (71 percent). Factors that contribute to homelessness in order of highest significance are: job loss and lack of work, lack of affordable housing, inability to pay rent (low wages, reduced entitlement value, no income) and personal crisis. Other significant factors identified by surveys include chemical dependency, limited education, few job skills and mental health problems. Intake workers at the Housing Information Office and Emergency Social Services report that the above factors are complicated by the inmigration of families from other urban settings throughout the United States. Upon arrival, those families have little or no support structure to help then achieve a smooth transition. Data Sources - Currently, there are no city or metropolitan wide databases that exist from which the City can make unduplicated counts of homeless individuals and families over an extended period of time. However, limited studies such as the 45 Day Study and the Nightly Census of shelter beds in use provide the City with methods to measure population size and demand for space. The Saint Paul Overnight Shelter Board, created under a 1985 City Ordinance, has the responsibility to � present an annual report to the Mayor and City Council on the need for overnight shelter for persons who are homeless. The ordinance also directs the OSB to develop and recommend new policy and programs, both local and regional in scope, to the Mayor and City Council. Data on the homeless population is obtained using the following methods: 1) a count of shelter beds used each night; 2) a count of the unduplicated individuals using shelters ov�r a 45 day period; 3) a one-night shelter resident profile survey; and 4) a survey of Saint Paul Junior and Senior High School students on the number of households sheltering persons who would otherwise be homeless. The numbers are considered conservative. The surveys only count those who sought 10 J shelter during the time covered by the survey. Shelter resident profile data is also available from the Wilder Research Center and the Minnesota Department of Jobs and Training, although it is not comparable in methodology and is not as specific to Saint Paul. Provision of Emergency Services Ramsey County, the City of Saint Paul, and the United Way of the Saint Paul Area have made an agreement on the roles each would undertake in the provision of emergency services. Ramsey County, as the level of government responsible for direct provision of social services, agreed to provide funding for emergency shelters, an emergency services referral system, and a coordinator for programs for low income and homeless people. The City of Saint Paul agreed to develop and monitor emergency shelter space and other housing opportunities for homeless or near homeless people. The United Way agreed to focus on transitional housing opportunities for homeless people and has committed funding to six transitional programs. Supportive Housing Needs of Homeless Persons The primary need is for safe, sober, and healthy environment in which to develop stability. This includes an opportunity to attend to such basic needs as personal hygiene, food, clothing, socialization, and immediate health problems. The supply of general shelfer beds is adequate for approximately eight months of the year. If the overflow system of using Ramsey County reimbursed motel rooms for short term stays becomes an unavailable option in the future, additional shelter space or other accommodations may be needed. Careful monitoring of shelter space need and use will be needed. There continues to be a need for additional beds for victims of domestic abuse and their children. The City supports the development of transitional housing programs in order to reduce the role of emergency shelters and support the transition to self- sufficiency. Homelessness and unemployment are directly and frequently related. In Saint Paul's homeless population, 69.7 percent have not held a steady job for six months or more, 14.8 percent have had a steady job within the past six months but lost it, and 12.9 percent are currently employed and fall into the following subcategories: 59 percent part time workers, 41 percent full time workers. Only 5.3 percent of the total homeless population are currently working full time, despite the fact that 47.5 percent report looking for work weekly. The OSB survey of 207 homeless people in Ramsey County last year showed that 84.1 percent (including 48.1 percent of the women) receive no AFDC, 68.1 percent received no General Assistance (GA), 90.0 percent received no income from family. Barriers to employment are severe. The homeless generally lack work experience,job skills and a history of steady employment. Basic skills are low and a substantial percent have not completed high school. Only slightly over half of the homeless received any kind of job training. Of those who attended training, 64 percent completed the training. Most homeless have multiple barriers which cause continued homelessness. Critical hidden employment barriers exist. The City's employment programs have found that 83 percent possessed previously undiagnosed vocational handicaps. Special Housing Needs of Homeless Persons Persons who are Chemically Dependenz Homeless persons with alcohol and drug abuse problems were an estimated twenty percent of the total homeless population in 1990. Again, data is 11 J .considered conservative due to the self-reporting aspect. Available chemical dependency services in Saint Paul (discussed in the next section), are not adequate to the need. With this rate of chemical dependency, and with the expectation that individuals sleeping in shelters remain functionally sober, many are forced out of the system when they are "high" and are routinely collected by the police and brought to detoxification facilities. Services needed by � chemically dependent homeless persons include case management, in-take assessment, referrals to treatment and counseling programs, and on-site treatment and counseling. Chemical dependency services need to be more adequately integrated into the entire "support service" spectrum. Training and employment efforts cannot be successful without treatment for chemical dependency, and experience indicates that prospects for successful treatment are greatly diminished without prospects for reasonable economic and social stability. Comprehensive individual case plans offer the greatest promise for successful training and employment. Persons with Mental Illness The estimated number of homeless persons with mental illness in 1990 was 180 (46 sheltered, 134 unsheltered - data does not include children). This is believed , to be conservative due to the self-reporting aspect of data collection. The shelter resident survey found that mental illness is a significant problem for one out of five respondents and that 22 percent had been in an inpatient psychiatric facility. This approximately four times higher than the general population. Support service programming suggests that the portion of the homeless.population with mental illness may be as high as one-third. Services needed by homeless persons with mental illness include in-take assessment at homeless facilities, referrals to mental health treatment and counseling programs, on-site treatment and counseling, and case management. A continuum of housing options is needed by this population from emergency housing, transitional, adult foster care, and supervised housing to permanent affordable rental housing. V'ictims of Domestic Ycolence. Based on the 45 Day Study, the OSB Report estimates that 53 sheltered and 120 unsheltered homeless families were victims of domestic abuse. Forty percent of families in the Family Shelter where homelessness is the only criterion for admission report abuse immediately prior to becoming homeless, and 80 percent report abuse as part of their personal history. Occupancy data in shelters serving this homeless population suggest the need for additional capacity. Runaway orAbandoned Youth. City staff working with providers of shelter for homeless youth. estimate that there were 320 homeless youth in Saint Paul in 1990. It is difficult to estimate this population because many stay with friends or relatives, live on the streets, or in other unstable situations. Runaway or abandoned youth need access to permanent affordable housing and transitional housing with support services. Services needed include educational opportunities, health care, chemical dependency treatment, basic living skills training, and assistance in moving to stable housing. At Risk Population The City of Saint Paul is currently studying the problem of near � homelessness in the community. Factors such as economic dislocation, multiple federal, state and local regulations including mandates for lead paint abatement, rising housing costs, lower wages, tightened restrictions on GA payment, and increasing alcohol, drug and domestic abuse rates exist alone or in combination to put an increasingly large percentage of the population at risk of homelessness. In addition, many have moved to Saint Paul from other large U.S. urban centers in an attempt to flee poverty, crime, and drugs. Some indicators are as follows: l2 ��/�7 ✓ * In the City's employment programs serving dislocated workers, over 7 percent of the enrolled clients are in a crisis situation - they have applied for emergency assistance signifying their savings depletion. * STRIDE, Minnesota's name for the Federal Welfare Reform program JOBS, has a large volume of AFDC recipients applying, and waiting for Section 8 Certificates. In Saint Paul, of 200 referrals, over 90 have been given Certificates in the past year, 30 are on the waiting list and 80 have been rejected in the past year. * Social service agencies are seeing an increasing number of clients recently out of work. According to these organizations, these individuals have an average of two-to-three months' savings before losing their housing. * There has been an 18 percent increase in the number of shelter residents whose last residence was not Saint Paul. There has been a 21 percent increase of those in shelters who have lived in the City for two years or less. Perhaps one of the best indicators of the extent of the at risk homeless population is the extent to which Saint Paul residents have a rent burden or severe rent burden. This is discussed in Section I, Part lA. Two additional indicators can be used to gauge the extent of near homelessness in Saint Paul: Public Assistance Recipients. For those in Saint Paul who rely on public assistance for income, it is safe to assume that many of them would become homeless without this source of income. Individuals in Saint Paul who rely on income � from GA total 4,320. With an income of approximately $200/month, a person can afford housing at approximately $60/month (using the 30 percent of income standard). An average standard unit costs $300/month. The number of families that depend upon Public Assistance totals 6,075 (19,323 individuals). A family with two children on AFDC has a total monthly income of$540. This family can afford $1G0/month for rent while the average standard unit costs $550/month. �- For those that are able to find and secure housing, unforeseen circumstances, such as eviction, health situations, etc. can cause them to become homeless. Doubled-Up Population. On February 23, 1990 all students in grades 7-12 in both private and public schools were surveyed to determine the presence of non-family members who were living in their homes on the preceding night, the same night the Profile Survey was conducted by the OSB and Wilder Research, Inc. The number of inen, women, and children being sheltered in private homes was 291. Without the capability of living with friends, it is safe to assume that these people may have been homeless that night. This does not take into account the number of families that provide shelter to immediate and extended family members or people without school-aged children who provide shelter to family and friends who would otherwise not have a place to live. Overnight Shelter Board Recommendations The 1990 OSB Annual Report makes the following recommendations based on the characteristics of the clients, their profiles, and on the nature and level of available resources: * Use all means available to expand affordable housing and support services opportunities. * Maintain existing inventory of general emergency shelter beds. � * Increase beds for victims of domestic abuse and their children. 13 � - �y��7,� * Ensure outreach contact with families and single adults within 24 hours of admission into emergency shelters. * Assist the reintegration of shelter users into a more a stable pattern and reduce repeat - shelter use. * Develop a more active intervention on behalf of children in shelters, * Promote establishment of residential settings for the "treatment resistant" mentally ill and chemically dependent populations for those who cannot succeed in independent settings. * Define, annually, the number of housing units by type that are needed to provide a continuum of transitional and permanent housing for persons who are in need of low income housing. * Encourage expansion of the computerized client record system to include all shelters in the east metropolitan area. * Increase the capacity of our inner-city and suburban community centers to deliver a variety of supportive services to persons vulnerable to homelessness. * Increase access to public assistance and social service programs, possibly through neighborhood community and multi-service centers. * Seek out non-tax dollar alternative or supplemental emergency shelter funding sources to ensure that individuals who do not qualify for services under current General Assistance guidelines can receive services. 14 J C. SUPPORTIVE HOUSING NEEDS FOR OTHERS WITH SPECIAL NEEDS Persons With Dirabilities Persons with disabilities includes individuals with physical, mental, and developmental disabilities. Comprehensive data are not available on the number of disabled persons who need housing assistance. Based on early 1990 Census data, the estimated number of persons with disabilities in Saint Paul is just under 45,000. Persons with physical disabilities are estimated to total approximately 26,000. The needs of this population cover a broad spectrum. While many are quite independent and require only physical changes to their housing units; others with more severe disabilities may require personal attendants, medical supervision and other services. Finding accessible, affordable housing that is near work, public transportation, and schools may be an added barrier for much of this population, many of whom are on public assistance. According to Public Housing Agency data, 1,262 households among current PHA residents have a disabled member. At least 23 households on the PHA waiting list have a disabled member. For Section 8 programs, at least 271 households receiving assistance have a disabled member, and at least 83 on the waiting list have a disabled member. It is generally agreed that there is not a great need for significantly adding to the supply of handicapped accessible units as many owners of buildings with accessible units are having a hard time renting them or they are often occupied by those who do not need accessible units. There � is a need for rental assistance to make the existing accessible units affordable to those who need them. In addition, there is a need for a better information system that connects people who need accessible units with those buildings with vacant accessible units. Single Parent Households Single-parent households, almost always female-headed, as a group have lower incomes and tend to live in rental housing. Because the parent is raising children alone, there are strong needs for decent, safe, and affordable housing with access to�daycare, transportation, and work and training opportunities. Rental assistance is a major need for the single-parent renter families. Experience with City homebuyer assistance programs finds that many single-parent families are good candidates for homeownership, but that there exists a need for homebuyer assistance such as downpayment assistance, closing cost loans and other �nancing mechanisms, as well as basic home maintenance education. Transitional housing provides a good solution for many single- . parent families as it delivers safe, affordable housing while providing services to address the other barriers to self-sufficiency and permanent housing. According to 1990 Census data, there were 14,379 female-headed family households in Saint Paul. This is up from 11,752 in 1980. Approximately 58 percent of the female-headed family � households in 1980 had children under the age of 18; this information is not available for 1990. The Metropolitan Council estimates, based on 1980 Census data, that 88 percent of female- headed households were low income and 77 percent were both low income and inadequately housed. T'he Saint Paul PHA Family Survey completed in June, 1990 reported that 38 percent of the PHA family households were single-parent households. 15 ��7 � Persoru with AIDS/HIV. According to data supplied by the Minnesota AIDS Project (MAP), as of June 1991, the Minnesota Department of Health (MDH) reported 921 cases of AIDS and 1,�25 reported non-AIDS cases of HIV infection in Minnesota. Of those 921 reported AIDS cases, 103 cases (11 percent) were reported as,Saint Paul residents. The true number of cases is estimated to be between 4,000 and 17,000 statewide. Ramsey County data report 75 AIDS ' diagnosed cases and 225 HIV infection cases in Saint Paul. It is estimated that of these cases, 50 need some level of supportive services and 10 need a supportive living situation. The only Public Housing Agency data available on.persons with AIDS are that some applicants have been found disabled due to AIDS and have received Section 8 or public housing assistance on that basis. According to MAP research, persons with HIV and AIDS need a variety of services, including emotional support systems, home and personal care services, practical support such as daily living services, home-delivered meals, case management services, legal aid, and housing opportunities. Obtaining appropriate and safe housing for persons with HIV and AIDS is hindered by poverty, illness, discrimination, fears for physical safety and the need for accessible services. Recommendations from MAP include providing a variety of housing options including decentralized facilities, adult foster care facilities, and the recognition that housing financing and subsidy programs must adapt to a higher level of services to be provided on an "as-needed" basis. Their recommendations also include a change in the definition of"handicapped status" to reflect the episodic nature of the disease. Another study completed by MDH, "Meeting the Needs of Minnesotans with HIV Disease", found that 15 percent of those surveyed said they had difficulty finding a place to live, 57 percent had a hard time finding assistance to locate a suitable home, and 54 percent had experienced discrimination when looking for housing. Persorrs who are Chemically Dependenz Data for this population come from the Ramsey County Community Human Services 1990 Program Evaluation Report. Most of the programs to treat chemically dependent persons are administered at the county level. The report estimates that 32,060 people in Ramsey County are chemically dependent. Of those, 8,000 received services � through Ramsey County. The characteristics of the chemically dependent population include people with physical or mental impairments, who are unemployed, come from a dysfunctional family, have high medical expenses and/or have been involved in the criminal justice system. Of those who received a chemical assessment, 73 percent were mate, 94 percent were adults, 72 percent were White, and 18 percent African American. Ramsey County �nds an increasing need for a case management approach to providing the services they need such as assessment, information and referral, counseling, support systems, treatment, and supportive housing. Chemically dependent women with children have a special need for a complete treatment program which allows the children to stay with them as they go through treatment or provides the children with a place to stay until the parent has successfully completed their treatment program. Many women with children are afraid to get help because they fear losing their children. Once the women leave treatment, they need housing, financial assistance,'and support services in order to get their children back with them and provide them with a safe and stable living environment. 16 . � Persons with Chronic Mental Illness Based on early 1990 Census data, an estimated 1,077 persons with mental illness are living in Saint Paul. In the past, many of these people were permanent or semi-permanent residents in large state hospitals. It is important to note that many people with chronic mental illness may be older or homeless or have other disabilities. It is the opinion of many mental health experts that the majority of the mentally ill can live in regular housing if appropriate support and social services are readily available. It is mandated by the state that each county provide the following services: education and prevention, emergency services available 24 hours/day, residential treatment centers, outpatient services, acute care hospital inpatient treatment, community support program services, case management, and regional treatment center services. In a 1988 report to the legislature on housing and support services of persons with mental illness done on behalf of the Department of Human Services, the majority of people who responded were generally satisfied with their living arrangements, had limited choices and little money left to pay for crisis situations after paying for housing and support services. The study made the following recommendations: * A dynamic system should be designed which incorporates an array of housing alternatives and residential support services that are administered according to individual needs; * the authority and commitment of the State should be established in responding to the need for additional housing and residential support services for persons with mental illness; * case management outreach programs be strengthened and enable continued access to � support services regardless of place and residence; and * residential time constraints and sequential processing through the system be replaced with individualized movement (allowing the clients' needs to dictate the moves). Residential treatment services are important but should not be viewed as an alternative to long- term affordable housing and support services; there is a need for both types of assistance. Elderly and Frail Elderly. In 1990 there were 37,412 persons age 65 years or older in Saint Paul, approximately 14 percent of the total population. This is down from 40,587 persons in 1980. However, according to the State Board on Aging, all regions in Minnesota will experience an increase in the 75-84 year old population from 1990 to 2000, and every region will experience an increase in the 85+ population for the next twenty years. This is significant because as the number of elderly increases, so does the demand for affordable and appropriate housing and access to support services. Supportive service needs for this population fall into two main categories: buildings largely designated for the elderly with on- and off-site support services and services needed by those elderly living in single-family homes or market-rate apartments. Buildings designated for the elderly are most often hi-rises and operated by public housing agencies. T'he Saint Paul PHA owns and operates 16 hi-rises which house approximately 2,700 elderly people or people with disabilities. The PHA is also currently serving 106 frail elderly persons through the Congregate Housing Services Program and the Assisted Living Program which operate in PHA hi-rises with the cooperation of other agencies. 17 ��-q�`��r�./ While the housing needs of the elderly population are in general thought to be well-met in Saint Paul, certain subgroups, such as those living in poverty, those older than 75, those in poor health, and those who need access to services, have special unmet housing needs. There is a limited need for an expansion of the elderly housing supply. The need is for rental assistance and appropriate support services. The preference is that elderly residents remain in their independent living situations whenever possible. T'his requires service provision at various levels: � * Seniors who are in relatively good health and are mobile. Their needs involve education, preventive health care measures, information about social and recreational resources, congregate meals and opportunities to volunteer for community services. * Seniors who need some assistance to stay in their homes. These people are usually over 75 years old and have major health problems such as arthritis and cardiac conditions that may limit mobility. They are able to care for themselves, but need help with nutrition such as home-delivered meals, transportation for medical and other appointments, and help with homemaking chores. * Seniors who are at risk for nursing home placement. Most of these people are over 85 years old and are women living in their own homes and apartments. They are unable to manage the activities of daily life and depend on others to remain at home. Needs include a home health aide, homemaker or a nurse to supecvise and plan for their care, and respite and mental health needs for the client and their families. Families Which Could Benefit from Self-Su�ciency Programs. T'he City of Saint Paul, through the Housing Information Office, administered a self-sufficiency demonstration program between 1985 and 1989. The HUD program, called Project-Self-Sufficiency, was designed to facilitate � self-sufficiency for 192 low income single-parents by better coordinating the services available to single parents and providing stable housing assistance to program participants. Participants received a Section 8 Certificate, developed a work plan, and were assigned a case worker. The following are findings from the program's final evaluation report: 1) case management is an effective program approach; 2) stable and affordable housing is an essential part of any self- sufficiency program; and 3) both housing assistance and the combining of fragmented support services is the key to helping individuals move toward more independent living situations and economic self-sufficiency. T'he types of support services found to be most needed and beneficial to program participants included (in highest priority order): housing assistance, financial assistance for education, medica( assistance referral, financial assistance for day care, career counseling, personal counseling, transportation assistance, and job search and placement assistance. Persons Retuming to the Community from T�eatment and Correctional Institutions The supportive housing needs of those persons returning to the community from institutions depend on the type of housing the person is returning to and the nature of services needed by that person. Often the transition into the community is hampered by a lack of adequate financial resources to secure appropriate housing and a lack of integrated case planning for housing and support services before the person is discharged from the institution. ' 18 - �/� 7 � �� SECTION I. PART 2. MARKET AND INVENTORY CONDITIONS A. MARKET AND INVENTORY CONDITIONS Summary The most significant changes since 1980 include a slight increase in population, an increase in the number of households, and a decrease in the size of its households. In the housing market, Saint Paul is competing with the surrounding suburbs in a relatively weak market. Other factors facing Saint Paul include high rental property tax rates and an aging housing stock. A recent Metropolitan Council report summarizes the region's housing market in the following way: 1) demand for total housing is near or at its peak; 2) demand for rental housing will decrease causing lower rents or higher vacancy rates; 3) the region will likely see an increase in rental units as a percent of total units; 4) pockets of older, smaller housing are at risk of serious d�terioration; 5) new construction may be needed to meet special needs; and 6) affordability is a main issue. � Populatrion Trendr. Saint Paul's population increased in 1990 for the first time since 1960. White population decreased, but every other racial group increased. Asian and Pacific Islanders increased significantly, to become the second largest minority group. These changes are due to both inmigration and an increased birth rate of minorities, especially among the Southeast Asian population. While the White birth rate increased also, this was offset by a greater outmigration of young White families to t�he suburbs. 1990 Census data show that 53 percent of the population is female, 47 percent male. Nearly one-quarter of the city's population is under the age of 18, while 14 percent are 65 years or older. The median age is 31. Note: Table 2A lists all Native American and Asian and Pacific Islanders in 1980, but just those who did not identify themselves as Hispanic in 1990, due to a change in reporting between the two decades. Neither year lists those identified as "other". Minority populations are mostly concentrated in a ring surrounding the downtown (see Maps 1 and 2). There is a strong group of both Black and Asian populations to the west of downtown, a smaller group to the east, and a strong group of Hispanic descent south of downtown. Minority groups north and east of downtown generally cluster around the McDonough, Mount Airy and Roosevelt Public Housing developments. This is partly due to the high minority populations within each project, and partly due to the sense of community that leads minority populations to continue to live near or to locate near others from the same racial background. Household Trends The number of households has continued to increase in Saint Paul in spite of the general decline in population since 1970. This has been due to an increasing number of smaller or single person households. This trend continued during the 1980's, but the decrease of household size has slowed down and might reverse slightly. The rate of formation of new households is declining and family size is grawing as a result of the baby boomlet. Minority households, especially Southeast Asian, tend to be larger. In 1990, minorities constituted 17.7 percent of the city's population and 11.9 percent of households. Asian and Pacific Islanders 19 CHAS Table 2A U.S.Oepartment ot Housing and Urba�Development Office of Community Planning and Development �� Population and Minority Data Comprehensive Housing Affordability Strategy(CHAS) Name of Jurisdicdo�(s)or Consordum: Fiva Year Period:(enter fiscai yrs.) FY: throuflh FY: City of Saint Paul , Minnesota 1992 1996 1980 Census Data 1990 Census Data Category • or Current Estimate (A) (8) 7. Tota1 Popuiatton 270,230 272,235 2. White(Non-Hispanic) 239,341 218,7 50 3. Black(Non-Hispanic) 13,099 19,569 4. Hispanic(AO races) 7,864 11,�76 5. NativeAmerican 2,533 3,364 non-His anic) 6. Asian and Pac'rfic Islanders 2,695 13 670 non-H i s an i c) 7. GroupCfuarters 11 ,508 10,397 8. Institutional 4,529 3,406 9. Non-Instftutional 6,979 6,991 10. Household Populatlon 25$,722 261 ,838 Source: US Census 19-a , � for►n HUD-40090 (9/91) , • MAP 1 and 2 �`/r�� Minority Population St. Paul , 1990 t�(�ORITY POPI�RTI0N. 19J0 :::_`:�:r:::�: �::�::� ;::_,::� ��_�� '_'_'� ._�� `�_�::�_;:. �t�.�� Ct�t• .i.•' :•i�: c<r,c �'I'�� iii;i �iii;i;: iii:ise:i i'•iE? :isi: i�?ii�•��'�� eei(� .•oe••• .i:; E:o-: :�i: "s' e'=eKi" :°:'' ':s'�:• ;�:�ie iii2`�et. :expr•:rK ;.iF;:;.i�,.,;.�?•• eE::':;: :is:a;ai: c-i:_+• . �'0�'•i•' ij:°1' iii£{i�ii:Ei�" . ?ij :iYt�' ;;5;.• ':;i•?+;: ::i:Y.i.i?�� ;t;ii:f . ��t].;i::::: •t.:i::.G�'::: .:SK:ij.fh, %:L':i:: '.i.. 'i+:�i�i:: ::f •�i�;S.1i . . ':�1� •�'i�'.�:�: '•1=•i'=3 '��'�'.1 •':�:: ::t:: ��::f:::i�::f:::��i :��5�� .. , ',.__.::...• ..�_�..::'�?;i��••• '�:f.�'�it::=:�•. ;ii�' . •'�:t::�'•''ii;i;t:• 't?:?t':i:;;;:;• ;ii:t�i}�i�f�j.; .:s?.iE..:FIs iirSi'0"'OpEgiie . t'i` •`•,jrii iSiii ~°p"iii�;e;i . �iw! :iti:�<iiiiiiiiii feid�nOa1J �� :i:i ~ii:i • •�__�_.„'_.. � �� t0 � �'�� . •• ��•.�� Q � SO � .�• �:�3.�:i�i3Feiiii�Fii;:?;ii�'•' . ..•: :,;?h•t,� ::?:.:::.. O 218 to 386 ;.�;:;s::.,;,,r=.::N:?.:::.;: "iie::'°et;;ii;;`i°"i�0j' O T3 to 289 p; ::. .r�:.:. ;ii:i:;::::yi;?.=�:: ••••r:.;.;.�w;�:>. . ieif�`ii'eEiE�:.. ..j>i.;cqe;.. Source: 1990 Census PERCENT MINORITIES. 19� r,...,.•,.:.�, =.K=,�,�,... •':•:...: �::• ;:i€€ti's::r^;��I:t :.;x•'.•.•.•. .,� .. . � ,,.. ;.,,r:EE:::: .�::�iesxti£E • iii'60� e:'si:i:i �:�i;�i,rii4EiK� ;:iEi�:�ii:iH�:i �:?:�i°:•f' Eii•�•:{:::.� si.i.S,� ..•t,:; �� . s. :.Y•"�"'hi �e i e°i': %°�iii � °� .. Eit3F::�iiei° °iiriF!i;s:Y;;.e: eF:: ip0 '�.. • °••-•�••. 'f•f�•�••x� .y.t.; it: ::��0 ~. i'iii • iii: :iNE:=;••r,.?Sfi.�:�. CE:: .;fi. •S.qi;i:.;:;xts 'Fsii:°.:iii. ?i.i=. ;::s:::':i?":e':.i:�•:•: :'��s iiii:i:�i�i ':ii==�3,�.f:ti�i";i: :...ii:x �ii. � i�. If <'S ::;: •;' .js•;y..i.• ;.T iy..i �;s� r i:i§.:: �.':', ,'� 'K' "�i �:s AY 3-'wN� i:Ni!:e::�5:::?:;'ji?�?,s"K�C?::• , ..E:i.i..K.s ik�th,.s. i.{�;.i•i•;;K: ••• iiiiwi::?i:Ee'.2ei::i c•X,:ei;di••,;£� ii?�3 IFi:i::: . •j:?9i ? � e9eFii:ikie::i:iiei:iy"Ei�iY,x}¢� :i?t{EU'�'�� .�i.�'�:_. 'r:�jl,N,L"�h. .�.� " :_•'.. ��•� � �'Yf :::�:�i �iY•.3: •;{1K�'.��,�[i ::�t{•• i� •.t'� 'sr i:i�i�"� i'f - 'ir.. i sc�' :4��:w i�i:;'.<,_•• ::i�l 3ie:.•:•: :��. ��]i;:�i�v;;.e :��£ii:�y :s9. � {�•i�'.'•:• . �:y: •�£''••'�;s:ifii .�s' �^s?ec: titFhs;?':c::;:s:; .__. �..jj.i I�:,��yt�� %�'i4.��' �.�.. � :?t�� yti;.��". Fj�jR.i. �.i;i'siii::, � E �+,::• ��; ,�:xr' itst..... �� .. �?� .,.::riS:i .:;;�� . ��i•• . tk•,�i': ;?:'i�,' �?_�';��i• .£�_ •Y .(nef .: ..�,:..... ., .,..,�.K�,. �'s�.yj.(� :;•t;:'•e M��.•{�T�� t �. {'i?I,.,i•.�5�..: (:3[F�.. ;.N,>:•;•`��` �''.�'is• � 22.5 to 89.5 �_ � 11.6 to 22.4 '�t��K•�f�� " � 8.1 to 11.5 ,_�;.;,�. .:�"�!;3 ='�,��'� 0 2.s to s.e •, .�., � ��j i � Source: 1990 Census ' . -19-b _ made up 7.1 percent of the population and 3.5 percent of the households. Figure 2 Household Trends Saint Paul. 1970-1990 1970 1980 1990 Households 104,128 106,223 110,249 Household Size 2.86 2.44 2.37 Source: US Census Data Incorr� (See Map 3) Median household income is lowest near the downtown area and increases the further one gets from downtown. This is most apparent to the southwest and east, and near amenities such as Como Park or Cherokee Park. There are some minor exceptions near the gentrified housing due west of downtown, where high and low income families live in close proximity. This analysis is based on 1979 income reported in the 1980 Census. Saint Paul's geographic distribution of low income areas is not expected to change drastically. Housing Supply. The housing stock has increased each decade in response to the increasing number of households. There was a net.gain of 3,185 housing units during the 1970's and 6,681 were added during the 1980's. There were 6,739 housing units authorized for construction from 1980 to 1990. The majority of these units were built during the early and mid-1980's, to support the formation of new, smaller households. Saint Paul has a current total housing stock of 117,583 units. The market today does not show a need for an expansion of the supply of ' housing units and housing construction in the past few years has just kept pace with demolitions. Of the housing units added during the 1980's, 83.2 percent were in multifamily structures. Multi-family construction during the early 1980's was a response to several factors: increasing number of households with decreasing household size, relatively low inflation that de- emphasized the bene�ts of home ownership, decline in interest rates that benefitted construction, soft housing markets in other part of the country, and tax law changes in the later 1980's. Sin.,,�le family dwellings increased from 58,833 units in 1980 to 62,252 in 1990, but decreased slightly as a percent of total housing units (53.1 percent to 52.9 percent). Two to four unit structures stayed largely the same, and structures with five or more units increased from 34,132 units in 1980 to 37,742 in 1990 (30.8 percent to 32.1 percent). The percent of single family dwellings and duplexes constructed was higher than average during 1980-1982, lower during the mid-1980's, and increased again during 1988-1990. All residential construction dropped sharply during the late 1980's; single family and duplex construction decreased but gained as a percent of total units compared to multi-family construction. Occupancy and Tenure Trends According to 1990 Census data, 54 percent of the occupied housing units were owner-occupied. The percent of owner-occupied housing units declined somewhat from 56.3 percent in 1970 to 55.7 percent in 1980 to 53.9 percent in 1990. Multi- family vacancy rates have increased over the last few years, presumably due in part to the smaller young-adult population. The rental vacancy rate, as reported in the 1990 Census, was 20 �� r�aP 3 Median Household Income Saint Paul , 1979 �1EDIAN HOUSEHOLD INC0�1E, 1979 <� ,��> � is.e0e to z�,eee 0 15,400 to 18,499 � 12,596 to 15,399 0 5,000 to 12,499 Data are for-1980 cer�s o-acts.maP is dra�+-i on 1990 cenas tr-acts For romparison purposes. 20-a 7.7 percent and the homeowner vacancy rate was 1.8 percent. Home Yalue and Sales Trends The median home value of specified owner-occupied units in 1990 was $70,900 with approximately 11 percent of the homes valued less than $50,000, 74 percent valued between $100,000-$149,000 and 5 percent valued at $150,000 or higher. This compares to a 1980 median value of$52,900. Home values in 1990 are only 83 percent of the 1980 values when adjusted for inflation. These numbers are self-reported, however, and some homeowners may not be aware of how much inflation has affected the value of their homes. Home sales in Saint Paul were over three thousand homes per year during the late 1970's, dropped to 1,697 in 1982, increased to a high of 3,650 in 1986, and has slowly declined to 2,818 in 1990. This accompanied a gradually increasing average sales price that has had slight declines in 1985, 1987 and 1990. Single family homes sold during 1990 ranged in price from an average of$49,205 in the North Central MLS district to $133,279 in Crocus Hill (excluding the sin.,,�le sale in the Downtown/Capital Heights district). The Saint Paul average sales price for single family homes was $77,270. Duplexes averaged $65,286 and townhouses and condos averaged $62,768. Sales � currently seem to be near the average, with a range of prices depending on the amenities of each district. Physical Conditiorrs Housing conditions by structure type shown in Table 2B are based on the 1988 Saint Paul Housing Condition Survey adjusted by a common percent to total the housing unit total in the 1990 Census. This method of survey is known to underestimate the need for rehabilitation because it is an exterior survey which makes no allowances for physical deficiencies found in the interiors of buildings. Eighty percent of the total units surveyed were categorized as "sound'; this was split into 85 percent of single family dwellings, 67 percent of duplex units and 77 percent of multifamily units. Approximately 16 percent were categorized as "needs minor repair". Three percent of the total housing stock fit into the "needs major repair" category; this represents three percent of single family dwellings, nine percent of duplex units, and one percent of multifamily units. Less than one percent were categorized as "dilapidated" and not suitable for rehabilitation. The City considers both categories "needs minor repairs" and "needs major repairs" to be in need of and/or suitable for rehabilitation although "needs minor repairs" refers mainly to routine maintenance and superficial repairs. About 47 percent of Saint Paul's housing units were built before 1940. Many of these are now approaching or are over 100 years old. Much has already undergone substantial rehabilitation or now requires substantial investment ta keep it viable. Afforrlability Gap F�perienced by Renters See the "Rent Burden" part in Section I, Part lA which quantifies and describes those renters in 1980 who were experiencing a rent burden or severe rent burden. Over+crowded Conditions There were 4,409 housing units (3.7 percent) in Saint Paul in 1990 with more than one person per room: This does not suggest a big overcrowdedness problem in the city as defined by HUD. However, the long waiting lists for larger affordable public housing units and Section 8 Certificat�s and Vouchers does suggest the need for more large, affordable .units. 21 ��1�l�7 � CHAS�Table 26 Five Year Period: Market and Inventory Conditions �t: 1992 through FY: 1996 Housing Stock Inventory Saint Paul , P�ln►lesotd CurrentEstimateasof �j��l/91 Total Year-Round Housing 117,583 Total Housing Units 117,583 Single Family Units 55,904 Sound 47,512 , Total Occupied Units 110,249 Needs Minor Repair 6,550 Renter Occupied 50,778 Needs Major Repair 1,741 Owner Occupied 59,471 Dilapidated 101 Total Vacant Units 7,334 Duplex Units 15,622 Rental Vacancy Rate 7.7% Sound 10,722 Homeowner Vacancy Rate 1.8% Needs Minor Repair 3,469 For Seasonal or Occasional Use 270 Needs Major Repair 1,370 Dilapidated 61 Units in Structure 3-4 Units 5,147 Sound 2,882 1-Unit,Detached 57,572 Needs Minor Repair 2,070 1-Units,Attached 3,501 , Needs Major Repair 183 2 to 4 Units 17,589 Dilapidated 12 5 to 9 Units 5,292 10 or More Units 32,450 5-9 Units 4,842 Other 1,179 Sound 3,123 Needs Minor Repair 1,652 Needs Major Repair 67 Source: 1990 Census Dilapidated 0 10-19 Units 10,394 Sound 7,352 Needs Minor Repair 2,892 Needs Major Repair 140 Ditapidated 10 20-49 Units 10,043 Sound 7,470 Needs Minor Repair 2,457 Needs Major Repair 92 Dilapidated 24 50+ Units 12,961 Sound 12,506 Needs Minor Repair 455 Neecis Major Repair 0 Dilapidated 0 Apartment over Non-Residential 2,670 Source: 1988 Saint Paul Housing Condition Survey, adjusted to 1990 Census total housing units (Not adJusted for specific categories of units per structure.) 21-a , , Assisted Housing Inventory Public Housing Stock Saint Paul is fortunate to have a PHA that was named one of the two best large public housing authorities in the nation for 1991 by HUD. The PHA was recognized for its well-maintained housing units, management and administrative excellence, resident involvement, and participation in public/private initiatives. The PHA has 16 hi-rises located throughout the city which serve elderly (62 and older) and disabled/handicapped individuals and couples (no children). The unit mix in hi-rises is: OBR (eff� 1BR 2BR Total 147 2,365 68 2,580 The PHA is converting hi-rise efficiency units to one-bedroom units whenever they can get HUD approval and funding, since the efficiencies are very hard to rent. By federal statute the resident pays 30 percent of income for rent and utilities regardless of unit size or location. The rent is the same for the largest 1BR in the newest building as it is for the smallest OBR in the oldest building. Not surprisingly, most people choose the 1BRs. The figures above show the unit mix after conversions now underway are completed. 'The PHA has a total of 1,686 family housing units located in four family housing developments (McDonough, Mt. Airy, Roosevelt, and Dunedin) and scattered sites. As of May 31, 1991, 1,023 Southeast Asian families lived in the city's four congregate public housing developments (80 percent of all families). Figure 3 PHA Family Housing Units Saint Paul. 1990 Family Unit Mix: OBR 1BR 2BR 3BR 4BR SBR 6BR Total 0 110 481 461 1G8 60 0 1280 Scattered Site Unit Mix: OBR 1BR 2BR 3BR 4BR SBR 6BR Total , 0 8 12 282 73 30 1 406 T'he PHA is currently buying 15 scattered sites (not included above) and have applied for HUD funding to buy 25 more. Section 8 Certificates Unit Mix: OBR 1BR 2BR 3BR 4BR SBR 6BR Total 0 896 1004 290 48 9 0 2247 Section 8 Voucher Unit Mix: OBR 1BR 2BR 3BR 4BR SBR 6BR Total 0 35 173 142 32 4 0 386 22 (✓,C'��---�� ' . All of PHA's Section 8 Certificates and Vouchers are tenant-based, not project-based. .884 of the Certificates are designated for elderly households; Vouchers are not designated. Source: Saint Paul Public Housing Agency Total Assirted Housin�Inventory. Table 2C shows that the city has 17,700 units with some type of housing subsidy. This represents approximately 15 percent of the City's 117,583 housing units (1990 Census data) compared to an average of 9 percent for the metropolitan area. This number is higher when the number of units with homebuyer assistance such as below market rate loans and down payment assistance is considered (many of the homebuyer subsidies were one-time subsidy payments). Assisted Units Fxpected to be Lost/At Risk of Being Lost. The only PHA units expected to be lost are hard-to-rent efficiency (OBR) units in hi-rises and an occasional 1BR which is needed for an office for a program serving residents. The PHA is now in the process of eliminating a total of 142 efficiencies at two hi-rises (Valley and Neill) and creating G8 more 1BR units than were originally constructed. The PHA has asked HUD to allow the PHA to eliminate about 38 units by converting efficiencies at a third hi-rise (Central) and are awaiting approval and funding to go forward with that project. Aside from those conversions, the PHA does not expect to demolish or sell any units. The PHA'' does offer a homeownership assistance program, in conjunction with the City and the Minneapolis/Saint Paul Family Housing Fund. Its goal is to help PHA residents and Section 8 participants buy homes in the private market. According to data provided by the HUD Area Office, Figure 4 lists the Section 236 and 221(d)3 projects that are eligible for prepayment or voluntary termination of federal assistance in the upcoming years. A total of 1,168 units in nine buildings from that list that are at risk of being lost from the City's assisted housing inventory. Other non-subsidized low and moderate income housing units are also at risk of being lost to the inventory due to the deteriorated physical condition of certain apartment buildings and the lack of adequate property and tenant management. The preservation of existing low income housing units is essential. Sizeable amounts of financial assistance will be required to preserve these units. At present, Congress has not approved an appropriation to fund the federal preservation program and large amounts of local financial resources are not anticipated to be available. 23 CHAS Table 2C u.s.Department ot Housing and Urban Development � Office of Community Planning and Development Assisted Housing Inventory Comprehensive Housing Affordability Strategy (CHAS) Name ot Jurtsdiaion(s)or Consortium: Five Year Period:{encer Bscal yrs.) �: 1992 �'�°"9n�: 1996 C1tJ/ of Saint Paul , htinnesota CurrentEsdmateasof:(enterdate) ' � October 1 , 1991 Totai Stock and inventory Category Total SRO 0 or 1 bedrooms 2 bedrooms 3 or more bedrooms �A� (B) (�) (�) �E� 1. ProjectBased 7,026 4,980 2,482 Tenant Assistance 14,488 2. Pubi'�cHousing 4,266 2,630 561 1 ,075 3. Section 202 798 785 13 0 4. Section 8 * ��996 2,gpg 3 883 1 204 s. aner Hu� ** 769 277 335 157 6. FmHA *** C59 425 188 46 7. Tenant Based TenantAssistance 3,212 579 931 1 177 525 8. Sections 2,633 931 1 ,177 _ 525 , � 9. Other StateA.ocal� 579 579 **** 1o.Homaowne***** 2�849 114 1 ,310 1 ,425 Assistancs Source: US Dept. of Housing and Urban Development, Line 2, 8 Public Housing Agency, Line 9 Dept. of Planning and Economic Development and Housing Information Office. * includes Section Existing, Section 221(d)3/Section 8 Below Market Rate, Section 221(d)4/Section 8, Section 236/Section 8, Property Disposition/Section 8. ** includes Moderate Rehabilitation, Section 221(d)3 Below Market Rate, Section 236. *** includes Minnesota Housing Finance Agency Substantial Rehabilitation, MHFA Section 8. **** includes a variety of funding sources - public, private, non-profit. ***** includes Section 235, Section 502, Mortgage ReVenue Bonds (Purchase/Rehabilitation, Equity Participation Loans, Downpayment Assistance, Closing Cost Loans) since 1981 - many have �been one-time payments. Total Saint Paul housing units in 1990 = 117,583 (US Censusl 23-a � rom,Hun-aoo90 �s�s�� l�� Figure 4 Assisted Housing Eligible for Prepayment or Voluntary Termination Saint Paul. MN Project Elderly Section 8 Total Prepayment Name Units Units Units Date � Afton View Apt 48 0 286 3/1/92 Shamrock Court 64 0 147 8/1/92 Sherman Forbes 52 78 104 12/7/93 Selby-Dayton 60 61 93 5/9/95 Hamden Square 44 0 86 11/27/94 Rockwood Apts. 126 109 168 5/15/2000 Westminster Place 40 55 100 5/23/97 Carey Apts. II 2 0 12 9/23/89* Maryland Park 88 34 172 4/20/91** total 524 334 1168 * as of this date, the owner is eligible to prepay or terminate the contract; the owner of this building has not filed the required notice of intent. ** as of this date, the owner is eligible to prepay or terminate the contract; the owner has filed the required the notice of intent; the owner may be eligible to receive incentives to remain a subsidized affordable building once federal regulations are completed. Source: HUD 24 � y B. INVENTORY OF FACILITIES AND SERVICES FOR THE HOMELESS Available Facilities 1 Figure 5 is an inventory of the different types of facilities that serve homeless people. Figure 5 Inventory of Facilities for the Homeless Saint Paul. 1991 Ty� Facilitv Name Capacity (Beds� ' Battered Women Casa De Esperanza 13 Eagles Nest 26 Women's Advocate 40 Total 79 Emergency Shelter Mary Hall 64 Sacred Fire Lodge 5 Union Gospel Miss 105 Catholic Charities Family Shelter 55 Juel Fairbanks 8 Total 237 Transitional Hsg Emma Norton 60 Exodus Housing 23 Rose Center 8 Sarah Family 23 YWCA 47 Theresa Living Ctr 12 Total 173 Youth Shelter Arlington House 20 Ain Da Yung 10 Safe House 5 Cross Streets 20 Total 55 SRO American House 56 Mary Hall 75 Wilder on Snelling 76 Union Gospel Miss 142 Exodus Housing 23 Scattered SRO's 207 Source: Saint Paul PED, HIO Total 579 Saint Paul and Ramsey County are served by seven emergency shelters within the following con�guration: men only are served by two shelters; battered women and their children are served by three shelters;.single women (with occasional overflow service for mothers with infants) are served by one shelter; families (men, women, or couples with children) are served 25 ��/�� ! by one shelter; overflow is housed temporarily in area hotels; and youth (runaway and .throwaway) are served by four shelters. The majority of the operating costs are paid by Ramsey County. However, a significant portion of the cost is borne by private fundraising and in some cases State of Minnesota grants and Stewart B; McKinney (federal) Emergency Shelter Grants. Facility purchase or rehabilitation costs have come from Federal Mckinney funds and from Saint Paul dollars. The Minnesota Housing Finance Agency, the United Way and the • Minneapolis/Saint Paul Family Housing Fund have also participated in the financing. Transitional housing serves as an important in-between-step for some individuals who are ready to leave shelter but not ready to live independently. Providers of this type of facility include: Emma Norton, Exodus Housing, Rose Center, Sarah Family, YWCA, Theresa Living Center. The United Way of the Saint Paul Area is focusing on transitional housing during 1990-1991 by allocating $116,609 to six programs that help people move from homelessness to self-sufficiency. In addition, several halfway houses dedicated to serving people who are stru�ling with speci�c types of problems, serve individuals who have experienced homelessness. Several of these have received federal rehabilitation funds. Others have received federal grants for operations. Available Support Services Ramsey County, City agencies, the United Way and non-profit agencies cooperate to deliver a wide range of services to homeless persons. Health Care. Teams of professional health care providers drawn from the City of Saint Paul Division of Public Health, Ramsey County Nursing Service and private agencies (United Hospital, Saint Paul Ramsey Medical Center, Helping Hand Health Center, United Family Practice, Ramsey County Human Services and Minnesota State Health Department) conduct regular health clinics and screenings in shelters and the Dorothy Day drop-in center. Active referral to other services providing case management, housing and job services is an essential component of this initiative. Funding for the service includes Federal McKinney dollars, City of Saint Paul funds and Ramsey County dollars. Mental Health Car� In all but the battered women's and youth shelters, outreach workers visit clients within 48 hours of arrival. An assessment is made on the needs presented and when appropriate, there is a referral to the Access I Mental Health Advocacy program so that an appropriate placement can be made. The battered women shelters and youth shelters have their own live-in staff to conduct this assessment; psychologists and psychiatrists are available to assist them as needed. lobs and Tr�aining. The Saint Paul Job Creation and Training Office obtained three years of Federal McKinney Job Training for the Homeless Demonstration (JTHDP) funding to train and employ homeless individuals. The project uses 8 subcontractors and 45 volunteer participant agencies in an intensively coordinated community effort to employ the homeless. It is a highly successful project having, at the last (March 31, 1991) evaluation period, a 45 percent placement rate and a retention ratio of 74 percent at 13 weeks. Nationally, this JTHDP is recognized as a replicable model for other communities. The program provides case managed employment services: basic skill education, GED completion assistance, work experience, vocational training, on the job training,job placement, 26 � job development and long-term follow-up. It also successfully coordinates and integrates other services such as housing, health care, chemical dependency assistance and mental health and many others. Due to the fact that there is no funding available in the Federal bud�et for the McKinney JTHDP in the upcoming fiscal year, the City will attempt to secure other funding to continue this effective program. � Food Shelf Programs. A network of food shelves serves the doubled up homeless as well as the low-income families and individuals. The Saint Paul Food Bank organizes the flow of free food to 26 sites. The United Way of the Saint Paul Area provides significant funding to this program for food purchase, commodity transportation and case management services at the food shelves. Also significant to this population is the Fair Share program operated by the Ramsey Action Program. This self-supporting program reduces food costs by 2/3 and enlists extensive numbers of volunteers. Econo»uc Assistanc� a. Ramsey County Emergency Assistance (sometimes called supplemental allowances) provides vouchered grants to individuals if needed for emergency expenses. Frequency of use is limited to once in a 12 month period of time. b. The United Way, Ramsey County and the City of Saint Paul fund a "back-up loan fund" to the Emergency Assistance Program of Ramsey County. This fund provides limited assistance to people (who have fallen behind on their rental obligations for reasons beyond their control) to maintain their housing or to move to a safer environment: c. Ramsey Action Program provides Fuel Assistance to people who are low income. They also operate a Weatherization program for properties where low-income people are responsible for utilities. The funds are federal pass through funds and often fall far short of the need. Housing Placement. The City of Saint Paul Housing Information Office provides counseling to people seeking permanent housing. They provide referrals on relatively affordable units, practical advice on how people can obtain subsidized housing, and education for maintenance of a unit and access to related services. Advocacy and Education. The Ramsey Action Program "Designing Changes" focuses on several areas related to homelessness. Chief among these include advocacy on legislative issues, research and publicity on current issues related to homelessness, various community projects (e.g. The Mentoring Project, the Volunteer Activities Project) and monthly educational forums. The Community Stabilization Project, a demonstration project jointly sponsored by the Saint Paul Tenant Union and a number of other organizations, brings together tenant and neighbors to address the drug and housing issues in the Summit-University and Frogtown neighborhoods. The project implements the state Tenant's Remedies Act. The Saint Paul Home Improvement Program (HIP/CACHIE), sponsored by Saint Paul Community Education and the City, offers a variety of home improvement and maintenance courses for free or at minimal cost. Homeless Prevention. Additional support, from several sources of funds, is available to city residents to further provide assistance to those at risk of becoming homeless. These include: a. The Saint Paul Foundation Community Sharing Fund, providing emergency grants to individuals with no other source of funding to be used in one-time emergency situations. b. Putting It All Together, an organization focusing on employment that targets low-income and 27 �7 _-�--l��4 7 � minority women administers a portion of the McKnight Foundation Loan Program, providing interest-free loans to individuals in crisis situations. c. Family Service, a comprehensive, full service counseling agency, has instituted a loan program for low-income individuals and families needing rent/deposit assistance when other resources and funds are not available in unforseen emergency situations caused by no fault of the client. d. The Ripley Foundation Emergency Assistance Fund makes available grants of$400 or less to be used by women to support educational or rehabilitative opportunities. Grants are administered by a social service agency. e. The Northwest Area Foundation, through the Minneapolis/Saint Paul Family Housing Fund, has provided $465,000 for a three year pilot program that will prevent mortgage foreclosure. This pilot program will provide case management that will include financial and personal counseling, along with financial assistance for mortgage arrearages and will be administered through the Saint Paul Housing Information Office. Other Services to the Homeless These services include a cross section of initiatives from both the private and public sectors. They include drop-in centers (Dorothy Day Center and the Listening House), food shelves, hot meal programs, 24 hour crisis intervention, outreach mental health services, direct (face-to-face) needs assessment, referral and case-management services in the hotels and shelters and drop-in centers.. ' 28 C. INVENTORY OF FACILITIES AND SERVICES FOR OTHERS WITH SPECIAL NEEDS Ramsey County, City agencies, the United Wa�, and non-profit agencies cooperate to deliver a wide range of services to Saint Paul residents too numerous to list. Briefly listed below are services offered by two of Saint Paut's largest service providers. Ramsey County offers the following services: family and children services, elderly and physically disabled services, chemical dependency services, developmental disability services, mental health services for children and adults, and low income and homeless services. The United Way provides programs broken into the following categories: basic needs, self-sufficiency, physical well-being, problem resolving, personal growth and adjustment, transitional services, and drug use prevention. Residents of Saint Paul have access to the service catalog and 24-hour hotline of the First Call For Help program sponsored by a number of agencies. Persorrs with Disabilities The Metropolitan Council's "Rental Apartments for People with Disabilities: A Resource Directory 1990" provides a complete listing of both subsidized and market-rate accessible housing, inc(uding information on parking, entrances, interior designs, amenities, and near-by services. There are 20 assisted buildings with a total of 395 accessible units and 17 market-rate buildings with a total of 104+ accessible units targeted for different disabled populations. Figure 6 Accessible Housing Inventory Saint Paul. 1990 Market Rate: No. of Accessible Units TarEet Population 13 family 63 mixed 18+* elderly, disabled 10 unknown � 104+ *one building indicates that all its one-bedroom units are accessible and targeted for elderly, the exact number is not given. Subsidized: 47 family 153 elderly 30 mixed 155 disabled 10 unknown 395 Source: Metropolitan Council According to PHA data, 1262 households among current PHA residents have a disabled member. At least 23 households on the PHA waiting list have a disabled member. For Section 8 programs, at least 271 households receiving assistance have a disabled member, and at least 83 on the waiting list have a disabled member. � 29 �� In response to the needs of persons with HIV or AIDS, services have been developed primarily by community-b�sed organizations in the metro area and include home-delivered meals, support systems, health care, and supportive housing. No detailed information on service provision is available at this time. Elderly. The Metropolitan Council developed a "Consumers Guide to Housing Options for Older People" for the Twin Cities Metropolitan Area in March, 1988. According to that guide, the following is a complete inventory of housing options for the elderly in Saint Paul: Figure 7 Elderly Housing Inventory Saint Paul. 1988 Subsidized* 3,971 units (27 bldgs) Market Rate 618 (6 bldgs) Owned 249 (2 bldgs) Shared Hsg 137 (2 bldgs) 4,975 units *includes public housing Of the PHA's 2,247 Section 8 Certificates, 884 of the Certificates are designated for elderly households. Vouchers are not designated elderly or non-elderly. The PHA is serving 106 frail elderly persons through the Congregate Housing Services Program and the Assisted Living Program which operate in PHA hi-rises with the cooperation of other agencies. Saint Paul has a three-year demonstration program called "Living at Home" in which two dissimilar neighborhoods took part. The results show that flexible funding can be effectively used to support services that keep frail elderly people in their homes and to provide incentives for neighborhoods to coordinate existing services and organize volunteer resources. The demonstration project serves seniors at three levels: those who are in relatively good health and are mobile; those who need some assistance to stay in their homes; and those who are at risk of nursing home placement. Chemical Dependency Services. Most of these services for Saint Paul residents are administered through Ramsey County. In 1990 Ramsey County served 3,274 persons through direct services which include adult foster care and shelter, detoxification center, monitored disulfiram, pre- petition screening, chemical assessment �nd referral. Another 4,726 persons were served through purchased services from providers which include inpatient and outpatient treatment, extended care, half-way house, and other supportive services. Saint Paul's Families First Program is a demonstration program that provides permanent housing, chemical dependency treatment, and transitional services to 8-12 low income families with chemical dependency issues. This holistic, case-management program is funded by a collaborative of service providers. 30 Community Resiciential Facilities Figure 8 Community Residential Facilities Saint Paul. 1990 Tvae No. of Facilities No. of Beds Developmental Disabilities 24 338 Chemically Dependent 10 330 Mental Illness 14 539 Homes for Youth 10 160 Correctional Facilities 4 157 31 ��=`�� SECTION II. FIVE-YEAR STRATEGY PART 3. STRATEGIES A. PRIORITIES FOR ALLOCATING INVESTMENT Summary The priorities for affordable housing investment shown in Table 3 derive from the housing needs and market and inventory conditions documented in Section I. In sum, there is a limited need to expand the supply of housing in Saint Paul except for households with special needs (including large families) because Saint Paul has a sufficient supply of standard or suitable for rehabilitation housing units. Highest priority needs are for: * Rental assistance, acquisition, conversion of existing units, rehabilitation, and new construction where necessary for large renter families because of the shortage of large affordable rental units and growth in this population, mainly Southeast Asian families. * Rental assistance for all very low income families because of rental cost burden. * Rehabilitation assistance for existing homeowners and rental property owners because of the aging housing stock and cash flow problems. * Homebuyer assistance for very low and low income families to provide for appropriate homeownership opportunities for those households who are otherwise good candidates for homeownership. * Rental assistance and support services for homeless persons and other with special needs because of rent burden and the need for support services to help with the transition to self- sufficiency. It is City policy to promote a greater range of housing opportunities for low income households and to avoid concentration of assisted low income persons in a few neighborhoods by identifying . areas where additional assisted developments are to be encouraged or discouraged. Areas which presently have few assisted housing opportunities are given priority for the construction, rehabilitation, and acquisition of additional subsidized housing units. Additional assisted rental units will not be supported in areas with high concentrations of assisted rental units unless the proposed project is economically mixed, which would serve to improve the overall balance of the neighborhood. In areas with high concentrations of assisted rental units, ownership assistance will be emphasized to the extent possible in order to increase homeownership opportunities and promote neighborhood stabilization. Equal opportunity and broad neighborhood choice for members of minority groups are objectives of all City housing assistance programs. Restricted choice and resulting concentrations of minority households are primarily due to a lack of affordable housing opportunities, therefore, the City addresses increasing housing opportunities for minority households through dispersion of its assisted housing resources. It should be noted with respect to the figures in Table 3 column B that four-person households requiring three bedrooms are considered in the higher priority given to large households for new construction or substantial rehabilitation. � 32 Q � � l0 �tZ � � a•3�- c� M �i .� M M e-i .--i a � r �� r� a o '� r O v> > C � _ � Q E � � mc ' . � o= m �, � N M �--� .-� N M .-1 e-� 'S =a a �y � � m � - m � � [i � �s m� ('} N N N N e--i .--� N N da s 0 _ � � m Q a�i~� _ � L�U LL N N .--� N � .--i .-i � U ii� � o a�i a � � o � �+� ' > G�i � A �LLl •--� N N .-i N N X q C � � W O � > 'a �p O � � o � a m3 C c C O�� N M M N N M M M � c ..7 Qo o� O = =a = `o.c ; ' � E �� L' � � oU = m m�V r-i .--i .--1 .--I .-i .--� N N o`o ` Q �� N� O �o U � �� Q S m r--� N � .--i .-i N N N p�6� . � �a .$�'�Q N M N N N M M M - . � w N= • � O � � c � c � G7 p � ,ao � � � y V � V .r � � p,�, '� � .� a � � W r. C @ ` Q1 � '�s�C (/) a �C � t/7 d�p � � �� V � � •Q 7 y C 'OC � � 'C � � . � � Nr� 10 � W .'�_.' N RI N 10 � � � i¢ � .� m W 4c[ � a $ � r � � a r � � m N m N ' '� °� �� m W °c b'� "- ,o N � � � o= `�' a. � � o'.-r�+- !� � LL a N -� . U� c � � 3� c E � � � � � � o . � •� � z¢ c i �i � z¢ ¢ i �i � ,p N Rj � � Q � c�i ci •s �i <c ►: ao a; ° � � a � v � E . V) •i � ' cc cc , QT p � `o i/� �Ii�.. � � � �� p L �p � V �i �A 2 �Jd OJG�. . . � 32-a B. RELEVANT PUBLIC POLICIES Summary A new housing policy was adopted by the City of Saint Paul in 1990 after nearly two years of dialogue. This statement, Saint Paul, Housi�ig Policy for the 1990s, and the successful working relationships established among the private and public actofs in the city, establish the framework for affordable housing action for the next five years. Those aspects of the City's housing policy ' most pertinent to affordable housing can be summarized as follows: 1. The most important step toward adequate housing resources for the future is preservation of neighborhood vitality and the valuable existing housing stock. The "traditional" cycle of decline, decay, abandonment and redevelopment is wasteful and typically forces those at the lowest end of the market into unacceptable living situations. The City's first priority for the 1990s is to ensure as far as possible that each neighborhood maintains the strongest position that it can in the area housing market for the population it can serve most effectively. 2. Public housing assistance plays a vital role; current levels of assistance are not adequate to the need. Increased housing assistance in the voucher or certificate form which supports use of available units on the private market without regard to jurisdiction boundaries shou(d be the major component of increased assistance. Units not available in the existing supply should be provided through rehabilitation/conversion of obsolete structures and in-fill construction that strengthens existing neighborhoods or takes advantage of under-used land. Project-based assistance is essential to maintain long-term affordability for existing low-income units. 3. The City will continue to improve housing opportunity by working in partnership with non-pro�t and for-pro�t agencies, neighborhood organizations and state and federal agencies. 4. Existing affordable housing resources, including the City's well-maintained public housing supply, are essential for meeting continuing needs. 5. Economic integration and broad distribution of housing opportunities are important objectives. Guidelines for the distribution of assisted housing opportunities within the City will continue to be followed to ensure a variety of opportunities. Cooperation with other east metropolitan communities will be pursued to promote expansion of housing opportunities throughout the region. Policies That Hinder Access to Affordable Housing or Make the Provision of Affordable Housing More Difficult. Housing cost is a serious problem for many households for several reasons beyond the reach of local policy. These include continued increase in the cost of housing construction with no corresponding rise in income for a large segment of the population, and a significant decline in new rental assistance available over the last several years. Local policies which can hinder the provision of affordable housing include: 33 �� Rental Property Taxes. Property taxes in Minnesota typically represent 20-25 percent of the operating costs for rental property. The City's housing policy notes that this level of taxation "reduces the income owners can devote to property maintenance, impairs the general viability of rental property, and may help to keep rent levels unnecessarily high." The policy supports legislative measures to reduce the property tax burden on rental residential property. Some improvement was achieved in the 1991 legislative session; continuing effort is needed. Replacement Housing. Minnesota law requires direct replacement of low-rent units displaced by public action with units that match the size and rent level of the units removed. This requirement can limit the effectiveness of housing delivery by requiring the dedication of resources to the provision of units for which there is no actual demand. The City's own replacement housing ordinance, similar to the federal housing replacement regulation, allows required replacement units to be configured to match current priority needs. As noted above, the City's housing policy calls for evaluation of replacement requirements after the first two years of implementation. The City supports legislative measures to amend the state law. Fire Prevention'Sprinklers. A �ty ordinance r ires that spr�,klers for fire„�revention be i luded in all c` struction that' s public financi . Persons ih�.,the housing dustry point out tha his significa�raises the cos f building units ' Saint Pau . This requir ent was � adopt to improve s�ety; an effort t romote an am dment to t state buil code to ��'include t same requir ent was not su essful. The me ure was a ted with t provision � for evaluati . A report the Sprinkler inance require ent on com eted housi projects fi� will be compl d and provi d to the City Co ci. Changes o epeal of t requirem t will be considered i e evaluation ' dicates that thi ' truly an impe ' ent to a dable ho ing, the need for which ' not outweig d by safety issu "�, 34 ' . �g��7 C. PROGRAMS, SERVICES, AND SPECIAL INITIATIVE STRATEGIES T'he following is a summary of housing strategies to be implemented through various city, state, and federal programs, services, and special initiatives over the next five years based on the needs described in Section I. More information about individual programs can be found in Section II.E., Coordination of Resources, and Section III, One-Year Plan. Affordable Housing * Increase the supply of standard, affordable housing through the rehabilitation, conversion, and/or acquisition of existing units, and new construction where necessary to meet special needs such as large families. This will be accomplished by the City's various rehabilitation programs, including Houses-To-Homes, the federal Rental Rehabilitation Program, the Saint Paul Rental Rehabilitation Loan Program, MHFA Substantial Rehabilitation, and possibly the.HOME program. Other programs to address maintenance needs include code enforcement, neighborhood block clubs, and the Housing Court.--- * Provide rental assistance to alleviate cost burden of low income families and individuals mainly through Section 8 Certificates and Vouchers and Public Housing. * Promote homeownership opportunities through the various City homebuyer assistance programs including equity participation loans, closing cost loans, downpayment assistance, technical assistance and counseling, the purchase/rehab program, and through neighborhood marketing efforts. Continue to provide mortgage forec(osure counseling and prevention services. * Continue to expand the Saint Paul Home Improvement Education Program (HIP/CACHIE). * Enhance the ability and motivation of Saint Paul residents and property owners to maintain and improve their properties with a broad information program that ensures good understanding of improvement standards and procedures, exposure to possibilities, and access to resources. * Continue work on tax reform to reduce the heavy burden on rental property and ensure property taxes for all housing types are not out of line with other communities. * Encourage regional coordination of affordable housing strategies and opportunities. Supportive Housing for Homeless People ' " * Continue to monitor emergency housing needs for homeless and battered persons in Saint Paul and work with providers to adjust the supply as necessary. * Support the development of transitional housing programs through supportive regulations and other forms of assistance in order to reduce the role of emergency shelters. * Emphasize affordable housing, including tenant assistance and support services, for the at- risk population to prevent homelessness. 35 Supportive Housing for Others with Special Needs * Support the development of an improved information system for linking disabled households and seniors with the owners of buildings with available accessible units. * Support the development of transitional housing and support secvices for families with chemical dependency, re-entry from correctional facilities, and abusive relationship issues including the Families First Program for families with chemical dependency issues and other barriers to self-sufficiency. * Support continued development of support services that allow seniors and persons with disabilities to remain in their homes. * Encourage service providers to respond to the needs of public housing and Southeast Asian families as outlined in the recently completed survey. . * Ensure that Community Residential Facilities are consistent with established zoning regulations to encourage balanced neighborhood settings. � 36 ��vf�97 D. INSTITUTIONAL STRUCTURE Summary The established institutional structure for housing action in Saint Paul is a sound basis for achievement of CHAS goals. The structure relies on a partnership of public, non-profit and for- profit organizations for development of new or substantially rehabilitated, affordable housing. City/Public Agencies Leadership in policy and program development is a primary role for the City. Broad-based participation by the general public, housing interest groups, and for-profit and non-profit organizations is a central aspect of policy and program development procedures. The Saint Paul Planning Commission, an appointed body, has the lead role for providing recommendations to the City Council. The City Council and Housing and Redevelopment Authority (HRA) have the key roles in program authorization and allocation of financial resources. Both groups and the Mayor's Office are active in all housing related matters. T'he Department of Planning and Economic Development (PED) is the city government's primary agency for housing program activity. PED administers programs and handles real estate for the HRA. The department is responsible for encouraging non-profit organization development and participation, and will be the primary implementor of HOME program funds. The Mayor's Housing Information Office (HIO) coordinates housing information and referral and serves as the central contact point for persons with housing needs. The office provides advice and assistance to low and moderate income residents with housing-related problems; works with the City's Information and Complaint Office; helps with.emergency and relocation needs; assists and makes referrals for technical and legal issues, and provides local elected officials and neighborhood groups with data derived from these services. The HIO also staffs the Overnight Shelter Board and administers special housing programs such as the new Mortgage Foreclosure Prevention Program. . The St. Paul Public Housing Agency also plays a direct provider role. The PHA owns and operates all the City's public housing stock, administers the Section 8 Certificate and Voucher programs, and operates special housing and supportive services programs in conjunction with other organizations. The Deputy Director of PED for Housing chairs a Housing Coordination Team comprised of the heads of all city agencies directly involved with housing, including all those mentioned above, which meets regularly for coordination and to ensure progress on housing goals. A system of District Planning Councils is the City's primary means for citizen review and participation. The City is divided into 17 districts, each of which has a council which serves in an advisory capacity by reviewing and recommending housing{�rograms or developments within their districts, and by encouraging participation in City forums. T'he Minnesota Housing Finance Agency (MHPA) provides a numbec of programs that make funds available for affordable housing in Saint Paul including homeownership, home 37 improvement, .multi-family, and capacity building programs. The area office of the Department of Housing and Economic Development (HUD) monitors the local use of federal housing assistance and.assists the City with the application of federal resources to meet identified housing objects. Non-Pro�t Organizations � T'he City relies on the non-profit sector to provide much of the initiative, direction, and direct project implementation in development of affordable housing. Non-profit organizations are one of the major vehicles for the preservation of neighborhood vitality. Non-profit developers provide locally-based planning and production and a wide variety of housing services. They have a proven track record and an ability to attract investment dollars for affordable housing. Partnership with the City will be critical to implementing HOME program funds to achieve affordable housing goals. Both neighborhood-based and area-wide non-profit development organizations work cooperatively to further housing objectives through the Saint Paul Coalition for Community Development. Non-profit financial/technical organizations provide resources and expertise to the non-profit developers. Two major contributors are the Minneapolis/Saint Paul Family Housing Fund (FHF) and the Local Initiatives Support Corporation (LISC). Their individual efforts have assisted the City in achieving afford�ble housing and continuation of their roles in the local partnership for implementation of the CHAS is expected. For-Profit Sector The financial lending institutions �nd private real estate developers will be encouraged to continue their involvement in providing affordable housing. In the past, banks have provided first. mortgage resources in tandem with city programs to rehabilitate or build new, affordable rental units. Their participation has been essential to several community development projects. Private real estate developers will be encouraged to look for opportunities in partnership with neighborhood-based and area-wide non-profit developers. Strengths and Weaknesses The strengths of the current institutional structure are in 1) a focused responsibility for carrying out the affordable housing strategy, 2) a diverse and experienced non-profit and for-profit development community, 3) a sound public housing supply and effective Public Housing Agency, 4) a tradition of citizen participation and a structure for communication with neighborhood groups and 5) good, established working relationships among all of these in the partnership necessary for improved housing opportunity. PED has administered many successful programs, developed financial expertise, has worked supportively with non-profit organizations and has effectively developed partnerships with other financial organizations. Because of the many functions within PED, the organization is able to react quickly to opportunities as they become available. The review processes (ie., City Council, HRA, Planning Commission or district council) provide an appropriate oversight to ensure that projects conform to housing strategies or goals. A weakness of the institutional structure is that it does not adequately provide for 38 ��//�� interjurisdictional cooperation in assessing and meeting affordable housing need. The housing market is regional in nature and the typical household search for a house, neighborhood or job, while it may be con�ned to a relatively small region, has little concern for jurisdictional boundaries. Affordable housing opportunities are strongly determined by the response of local jurisdictions to needs within their own population. Better solutions to household need--for housing opportunity related to job opportunity, for example--might be apparent from a more regional perspective. The City's housing policy encourages use of the Comprehensive Housing Affordability Strategy process to achieve more cooperation,between the City and its adjacent suburban communities. While little could be achieved within the short time available for this �rst CHAS submission beyond initial exploration at the staff level, a working group is proposed to develop a regional assessment of needs and policy/action proposals for consideration in future CHAS submissions. Another weakness in the institutional structure relative to current pressing needs is the separation of responsibilities for housing development/improvement and human services. Many housing needs are closely associated with human service needs and cannot be satisfactorily resolved without attention to the related needs. Separate jurisdictional responsibilities make a coordinated response to the multiple problems of individual household difficult. Strategies adopted in the City's housing policy and action program to overcome this weakness include: * Encouragement of integrated planning for human services and physical improvement in neighborhood-level planning for revitalization; * Encouragement of Service provider/City/neighborhood cooperation in project human service design and implementation as in the Community Resources Program; * Public Housing Agency work with service providers to encourage response to humans service needs identified in their survey of the public housing population; and * Increased city/county cooperation in response to serious household problems discovered in housing inspections. An additional weakness within the system may lie in the time required for decisions at various levels. Because most decisions will be project driven, the potential for confusion exists. Understanding this potential problem, PED does take particular effort to inform appropriate organizations early in the development process to obtain their input. 39 E. COORDINATION OF RESOURCES Summary Saint Paul housing policy and procedures emphasize a partnership role for City government with private and other public housing, support service and neighborhood agencies. The roles for the City and many other agencies in housing affordability strategies are most clearly indicated in the description of funding sources in Section III, Part 4, and in the description of program elements in Part 5, Implementation. The following outline summarizes key roles of major partners by program area. TenantAssistance. Tenant assistance needs for affordability will continue to be met primarily with federal funds, most of which are administered by the PHA. The PHA will administer certificate and voucher resources and will apply for additional resources as these become available. Non-profit agencies will administer rental assistance components of emergency shelter grant programs. Rehabilitation. The City will devote major portions of CDBG and HOME entitlement funds to affordable housing rehabilitation, much of it to be undertaken by private owners and by non- profit agencies. Both Low Income Housing Tax Credits and Tax-Exempt Mortgage Revenue Bonds will be used to expand the supply of affordable units through rehabilitation. The Minnesota Housing Finance Agency will support a major portion of the rehabilitation effort and the Minneapolis/Saint Paul Family Housing Fund and the Local Initiatives Support Corporation will also provide significant resources. The Houses to Homes program is one example of a major coordinated effort of the City with non-profit development agencies that will improve affordable housing opportunities by eliminating some of the most serious problem properties that are obstacles to a good residential environment in low income neighborhoods and in some . cases by providing for new affordable resources. The PHA will accomplish some rehabilitation as part of its scattered site development program and considerable rehabilitation of affordable housing in its continuing modernization and improvement funded through the Comprehensive Improvement Assistance Program (Comprehensive Grant Program). Housing Development. The City's Low Income Housing Development Program, MHFA assistance, some City entitlement funds from CDBG and HOME and non-profit development agency resources will be devoted to meeting the limited new construction objectives to supply units that are not available in the existing supply. HomebuyerAssistance. The Minneapolis-Saint Paul Family Housing Fund will provide the major financial assistance for low income first-time homebuyers. The City helps to target these resources through its work with neighborhood organizations. The City's Housing Information Office will continue to provide referral assistance to low income owner and potential owner households for legal advice, educational needs and help with any city regulations. The Saint Paul Public Schools are cooperating with the City in continued development of an educational program which provides a number of opportunities each year for persons in need of training/education in various aspects of home purchase and ownership. Support Services Ramsey County, the Saint Paul Public Schools and non-profit agencies provide most of the support services, but the City, the PHA and neighborhood organizations have critical roles in planning and communication to ensure that attention to human service needs is 40 , �� fully integrated with housing efforts. The City is encouraging increased attention to human service needs in neighborhood revitalization planning for low income neighborhoods. The City also manages the state-funded Community Resources Program (CRP) which supports creative neighborhood/provider-agency responses to critical human service needs as part of the neighborhood revitalization process. The PHA will continue to work with service providers to encourage appropriate responses to the human service needs of the public housing population identified in their survey completed in 1990. The City's federal Emergency Shelter Grant and transitional housing funds acquired through application by other agencies will provide for some support services. The PHA provides some support service directly through its congregate housing program. 41 . ��' SECTION III. ONE-YEAR PLAN/ANNUAL UPDATE PART 4. RESOURCES (Table 4/SA) . Summary Figure 9, Summary of Anticipated Resources, FFY 1992, is a summary of the resources included in Table 4/SA, Anticipated Resources & Plan for Investment, including the amount Saint Paul anticipates to be available and the amount it reasonably expects to commit during Federal Fiscal Year (FFY) 1992 for affordable housing activities and household assistance within the city. . Figure 9 Summary of Anticipated Resources, FFY 1992 Anticipate Expect Funding Sources to be Available to Commit Federal--to the City (1) $ 8,178,000 $ 4,8'14,000 Federal--to Other Entities 21,711,000 21,711,000 Total--Federal Funds $ 29,889,000 $ 26,585,000 State (2) 7,492,000 6,557,000 Local (3) 6,600,000 4,000,000 Private (4) 45,090,000 17,590,000 Total--Non-Federal Funds $ 59,182,000 $ 28,147,000 Grand Total $ 89,071,000 $ 54,732,000 (1) The difference between amounts is the CDBG funds that are expected to be committed to non-residential projects and programs. (2) The difference between amounts is the CRP funds that are expected to be committed to various non-housing human service programs. (3) The difference between amounts is the NH&BL TIF District funds that are expected to be committed for housing activities in subsequent years. (4) The difference between amounts is the mortgage loan proceeds for the Family Housing Program that are expected to fund mortgage loan originations in subsequent years. Federal Funding Sources to the City There is anticipated to be four federal funding sources that will be awarded directly to the City. 42 - \ _ _\ _ . _\ _ _ . : \ .. � .. .. : � � \\ _ : � \ \ \ . � � \ � \ � \ �. \ _ _ _ _\ _ _ _ _ . _\ . _ _ - : \ \ � \ .. � � \ \ \\ \ \ � \ \\ \ \\ \ \\ . \ \\ \ 1 \ • � • \ .• � \ • • � \ I � . \ : • \ � \ \ \ \ • • � • •\ • • • • • \ \ _ ■ \ \ \ - • \ \ \ • 1 • \ \ � \ • •\ • •\ • • _ ` \ \ \ � \ \ \ \ \ \\ \ \ � . a \ � \ • • •\ •\ • • • \ • • • • \ \ \ \ \ \ \ • �� , , � � � .. � � � : _ _ _ _ _� _ _� _ _�� _ _ _ \ \ \ . . . � � � . �� \ \ � , - \ \ �� _ \ - _ _ _ _ _ .. _ _ _ _�� _ _ _ . _ .. . �\ . . .. � �, _ _ _ _ _ . _ .. _ _ _ _ _ _ . . _ . . . .. . . . , .. \ _ _ _ _ _ _ .. _ _ _ _ _ _ _ _ � . . . _ � . .. � .. . \ , . : . . . . . .. . . _ . . . 0 � 0 0 a Q �N'� C'7 CO . � �U v � € 0 �,�� O N N ' �� . � .� .� � C� � �� _ c a a C7 � g u� � T� rn � E�� . � � _ :� U � C � 3�S O O � � Z �� O L� o V N c�'� v m a 8 a ° � � � � � � ��W ; o m �, m � � a � m c 0 w � O O g :� o � � N m a e--I c-I W C a F � y N N Q � V � C� � ri ri . 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('� � .� � . � � � � � 42-c _ �� . �� : ., . \ \ \�\ : \ � � \ \ \ \ \\\ \ \ \ \\� \� � � �� . \ . � ��\ � .. . . _ _\ \ . _ _ �\� _ _ _ . . _ \\\ \\ . �\ \ \\�\ \�\\ � \ \ \ \. . \ ,� , � � � - . _ _ �� . _ . � -.� .. _ ., _ _ \\\ \ \ _\\ _ � �\ \ \ \ �\ \ � \\ � � \ \ � \\ \\ \ \\ \\ \ � \\ �. \ � , \ , . �� _ . _ _ � � ..\ .. � _ _ .. _ _ \\ \ !\ -\ \ \ \ - \ \ \ _ \\\ \\ \ \�, \� \ \ _ , � � � � 1 � \ \ \ � � � • �� • \ • � .� • j \ � I\ \ � � .� _ \\� �\ \ •• \ \ \ \ \ \ • \\ \ \ \ ��\\\\\\� \ \ \ \ - 1\\\\\\\\ \ ;``�S11) \ \ \ \ � \ \� \ \ \� _ _\ _ _ _ : _ \ -.\\\ _ _ .: _ _ , \ \� \ \ _ � \ _ \ \ \ �\ \ � �, � � � \ - _ _ _ _ _ ` \ _ _ _\ _ _ _ _ _ _ _ . \ � \ _ _ _ \ .. .. \ \ \ � � _ _ _ _ _ _ _ . _ _ _ _ - . _ . _ _ _ . � . _ _ _ _ _ _ _ _ _ _ . _ _ _ _ .. _ .. _ _ _ . . _ _ _ _ _ _ _ _ _ . _ _ _ . _ .. _ .. _ _ .. _ . . : . : . : . _ . . :. :� :� . �yi��7 Home Investment in Affordahle Houring (HOME). At the time of the preparation of this CHAS document, the exact amount of funds that the City will be entitled to receive is unknown because Congress has not approved an appropriation for this new federal initiative. In the event Congress appropriates a national amount of$1 billion, it is estimated Saint Paul will receive an entitlement of$1.4 million. In the event there is a reasonable period of time following the appropriation of funds; the City expects to commit all of the HOME funds during FFY 1992. * Method to obtain resources: The City will receive an entitlement amount and it will respond to the Notice of Fund Availability (NOFA). * Matching requirements: HOME requires a partnership approach in which the City matches HOME funds based on the amount used and the type of activities--tenant assistance and moderate rehabilitation are $4.00 HOME : $1.00 state/local; substantial rehabilitation is $3.00 HOME ; $1.00 state/local; and new construction is $2.00 HOME : $1.00 state/local. Based on the amount and expected use of HOME funds in FFY 1992 indicated in this CHAS document, the state/local match requir�ment is $490,000. � * Minimum anticipated leverage: $1.00 HOME : $1.60 other. Community Development Block Gr•ant (CDBG). It is anticipated that the City will receive an entitlement amount of approximately $G,500,000 in FFY 1992 under the CDBG program. The City expects to commit for affordable housing programs an estimated CDBG amount of $3,196,000. The balance of CDBG funds is expected to be committed to non-residential projects and programs; this balance amount is similar to CDBG expenditures in past years. * Method to obtain resources: The City receives an entitlement amount. The City is currently in the process of determining its capital expenditures for calendar year 1992 utilizing its established Unified Capital Improvement Program and Budget Process (UCIPBP). At the time of the preparation of this CHAS document, based on the work of neighborhood organizations, City departments and the City's Capital Improvement Budget (CIB) Committee, the recommended CDBG fund expenditures for housing programs to be considered by the Mayor and City Council is the amount expected to be committed. * Matching requirements: There are no specific CDBG match requirements. However, some of the anticipated programs that will be funded during FFY 1992 have existing local � guidelines that require matching funds. The City's Rental Rehabilitation Loan Program (RRLP) has a minimum match requirement of$1 RRLP : $1 other funds. * Minimum anticipated leverage: $1.00 CDBG : $1.10 other. Rental Rehabilitation Program (RRP). The City has participated in HUD's RRP since its inception. It is anticipated the recent application to HUD for an additional $118,000 will be approved and all approved funds will be committed during FFY 1992. * Method to obtain resources: An application has been submitted to HUD for an additional $118,000 of FFY 1991 program funds. * Matching requirements: There are no specific HUD RRP requirements for matching these federal funds. These funds are administered with the City's CDBG RRLP; therefore, they have the same minimum match requirements of$1.00 RRP : $1.00 other. * Minimum anticipated leverage: $1.00 RRP : $1.00 other. 43 Emergency Shelter Grant (ESG). It is anticipated the City will receive an entitlement amount for the Stewart B. McKinney ESG Program of approximately $160,000 for FFY 1992. The City expects to commit all of the available funds during FFY 1992. * Method to obtain resources: The City receives an entitlement amount. * Matching requirements: The federal matching requirements are passed on to the grant recipients. * Minimum anticipated leverage: $1.00 ESG : $0.80 other. Federal Funding Sources to Other Entities It is expected that certain federal funds will be awarded to entities other than the City. Puhlic HousingAgency (PHA). The Saint Paul PHA anticipates to receive a total of approximately $20,750,000 to administer a number of public housing programs during FFY 1992. All of the funding sources for the PHA programs are listed in Table 4/SA and the PHA expects to commit all the funds in FFY 1992. * Method to obtain resources: PHA applies to and contracts with HUD for public housing program payments. - PHA applies for additional Section 8 Certificates and Vouchers whenever HUD announces their availability. PHA has applied for 200 additional Certificates and Vouchers but does not know when and how many will be awarded. PHA works with other agencies to apply at appropriate times for special program allocations; e.g., self- sufficiency programs for AFDC recipients and programs for homeless persons with mental illness. - PHA has applied for public housing development funds for 25 additional scattered site single family houses for large low income families. - PHA has applied for Comprehensive Improvement Assistance & Grant Program (CIAP) FFY 1991 program funds. * Matching requirements: There are no matching requirements. * Leverage: There is no anticipatec� leverage of other funds. Tranritional Housing. It is anticipated that certain transitional housing and service providers will receive and commit approximately $486,000 during FFY 1992 from the competitive HUD Stewart B. McKinney Transitional Housing Program. * Method to obtain resources: Transitional housing and service providers will apply for and receive funding from the Transitional Housing Program; the funds are awarded by HUD to the highest rated transitional housing project applications. * Matching requirements: Recipients must provide the match. * Minimum anticipated leverage: $1.00 Transitional Housing : $2.70 other. Low Income Housing Tax Credit (LIHTC). It is anticipated that Congress will extend the LIHTC program and a tax credit amount similar to recent past years of approximately $486,000 will be available for allocation to eligible projects in 1992. * Method to obtain resources: Saint Paul is a sub-allocator of tax credits as part of the State LIHTC allocation system; also, as part of the State tax credit allocation system, there is an 44 . . .� �'��'%��7 opportunity for nonprofit and other developers to apply to State credit pools for additional allocations of tax credits for eligible projects. It is anticipated that approximately $366,000 of LIHTC allocation authority will be available to the City during 1992. This amount and an estimated additional $120,000 from State tax credit pools are expected to be committed during FFY 1992 to eligible Saint Paul projects. * Matching requirements: There are no matching requirements. The underwriting of each proposed project for economic feasibility dictates the need for other development resources including first and subordinate mortgage financing. * Leverage: The $486,000 indicated on Table 4/SA', as LIHTC anticipated resources, is the amount of low income housing tax credits that can be allocated to eligible projects. These tax credits represent the opportunity to obtain limited partnership investments in eligible projects totalling an estimated a�regate amount of$4,860,000 during the ten year tax credit period. This amount represents an estimated $2,430,000 of private investment funds that will be available in FFY 1992 to pay development costs of eligible tax credit projects. It is estimated that these tax credits will leverage approximately $7 million of total development costs for eligible Saint Paul low income rental housing developments. The anticipated leverage is $1.00 LIHTC : $13.40 other. State Funding Sources The State of Minnesota provides resources that are available for affordable housing activities within Saint Paul. Minnesota Housing Finance Agency (MHFA). MHFA provides a number of programs that make funds available for affordable housing in S<<int Paul. It is anticipated that approximately $6,392,000 of MHFA funds will be available for affordable housing in the city during FFY 1992. It is expected that all of the funds will be committed during FFY 1992. * Method to obtain resources: The City contracts with MHFA to administer certain single family home improvement and rental housing loan programs. The City and other agencies work directly with and encourage developers, housing facility owners and service providers to apply for mortgage loans and other subsidies from MHFA's programs for first mortgage financing, large family subsidy funds, LIHTC bridge loan financing, special needs, etc. * Matching requirements: There are no specific matching requirements for MHFA funds. Underwriting each proposed project for economic feasibility dictates the need for other resources including subordinate mortgage financing and equity funds. * Minimum anticipated leverage: $1.00 MHFA : $0.70 other. Community Resources Program (CRP). CRP is a State funded program in which Saint Paul obtains an entitlement allocation of funds. It is anticipated the amount to be available to the City for 1992 is $1,100,000; of this amount, it is expected that $165,000 will be committed during FFY 1992 for affordable housing programs. The balance of the funds is expected to be committed to various human service programs not directly related to housing. * Method to obtain resources: The City receives an entitlement amount. * Matching requirements: There are no matching requirements. * Minimum anticipated leverage: $1.00 CRP : $1.00 other. 45 �. . . Local Funding Sources Housing and Redevelopment Authority (HRA). The Saint Paul HRA provides funds for affordable housing programs. It is anticipated that the HRA will budget an amount in 1992 that, with funds currently on hand, will make available approximately $6,600,000 during FFY 1992. This amount includes $3,600,000 that is on hand in the New Housing & Blighted Lands Tax Increment Financing (NH&BL TIF) District for certain eligible expenditures in identified NH&BL TIF scattered sites. It is expected that approximately $1,000,000 will be committed from the NH&BL TIF during FFY 1992; the balance is expected to be committed in subsequent years. It is expected that all of the other HRA funds will be committed during FFY 1992; therefore, it is expected that approximately $4,000,000 of HRA local funds will be committed during the FFY 1992. � * Method to obtain resources: The local HRA Board, consisting of the City Council members, approves the HRA budget and expenditures. * Matching requirements: There are no matching requirements. However, certain funds available for development lending are obtained as mortgage loans in an amount based on certain underwriting requirements. Underwriting each proposed project for economic feasibility dictates the need for other resources including first mortgage financing, other subordinate moitgage financing and equity funds. * Anticipated leverage: $1.00 HRA : $2.90 other. Private Funding Sources A number of private organizations and financial institutions fund affordable housing programs within Saint Paul. Minneapolis/Saint Paul Famity Housing Fund (FHF). The FHF is a non-profit organization that provides signi�cant funds for a wide variety of affordable housing initiatives. The FHF anticipates it will have available and will commit during FFY 1992 approximately $2,000,000. * Method to obtain resources: The FHF obtains its resources from philanthropic fund raising and the income received from past investments including affordable housing projects. Applications for funding are submitted to the FHF and approved by the FHF Board. Members of the FHF Board include the Saint Paul Mayor and City Council members, and City staff participate on an Administrative Board for certain FHF functions. * Matching requirements: There are no matching requirements for FHF resources. However, certain funds available for development lending are obtained as mortgage loans in an amount based on certain underwriting requirements. Underwriting each proposed project for economic feasibility dictates the need for other resources including first mortgage financing, other subordinate mortgage financing and equity funds. * Anticipated leverage: $1.00 FHF : $4.20 other. Local Initiative Support Corporation (LISC). The Saint Paul LISC is a non-profit organization that provides significant funds for affordable housing initiatives by neighborhood development organizations. LISC anticipates it will have available and will commit during FFY 1992, including funds from its National Community Development Initiative (NCDI) for home ownership production, approximately $1,700,000. � 46 ��i-�� . * Method to obtain resources: LISC obtains its resources from local corporations and foundations, natio�nal LISC, and national funding sources such as NCDI. Non-pro�t organizations submit applicltions for funding to LISC and are approved by an LISC � Advisory Board. Members of the Advisory, Board include local corporate and philanthropic sponsors, a neighborhood development representative, and key public representatives including the Deputy Director for Neighborhood & Housing in the City Department of PED. * Matching requirements: There are no matching requirements. However, the underwriting of each financing request application dictates certain other resources may need to be available to the organization or project including administrative funds, mortgage financing and equity funds. * Anticipated leverage: $1.00 LISC : $7.00 other. Northern States Power Company (NSP). NSP, the city's major utility provider, will continue to fund housing rehabilitation loan programs that provide energy conservation related improvements. It is anticipated that NSP will make available and commit approximately $300,000 during FFY 1992. * Method to obtain resources: NSP is required by State statute to make energy conservation improvement funds available to low and moderate income households. Upon the City submitting a comprehensive ener�,y conservation program to the Minnesota Department of Public Services (DPS), NSP provides funds to the City for energy conservation programs. * Matching requirements: There are no matching requirements. * � Anticipated leverage: $1.00 NSP : $4.80 other. Other Private Fuiuling Sources. It is anticipated that other funds will be made available during FFY 1992, primarily from private financial institutions. It is estimated that lenders will make available and commit approximately $1,350,000 for various affordable housing initiatives. Additionally, the City's participation in the Minneapolis/Saint Paul Family Housing Program, wherein mortgage loan proceeds are made available for the purchase of houses for home ownership through the use of mortgage revenue bonds, will have availab(e an estimated $40 million of mortgage loan funds during the FFY 1992 period; this unusual large amount available during a twelve month period will occur due to the close proximity of issuing the City's annual $15 million allocation of mortgage revenue bonds for years 1991 & 1992. It is expected that $12,500,000 of mortga�e loans will be originated during FFY 1992. Therefore, it is expected that a total of approximately $13,850,000 of other private funds will be committed during FFY 1992. * Method to obtain resources: - Mortgage bond proceeds: Saint Paul receives an annual housing tax exempt bond authority amount of$15,000,000. - Private lending: The non-profit development community and the City have continually initiated a�gressive negotiations with local lenders to provide resources for affordable housing developments with responsible lending terms and conditions. At present, agreements have been reached with First Bank Systems and Norwest Bank. Applications are made to private lenders according to traditional methods. * Matching requirements: There are no specific matching requirements for private lender funds. Underwriting each proposed project for economic feasibility dictates the need for other resources including subordinate mortgage �nancing and equity funds. * Anticipated leverage: $1.00 Other Private : $0.20 other. 47 � r PART 5. IMPLEMENTATION A. ONE YEAR ACTION PLAN (Table 4/SA and Table SB) Includes Supportive Housing Action Program. . Summary Figure 10, Summary of Plan for Investment, FFY 1992, is a summary of the investment plan included in Table 4/SA, Anticipated Resources & Plan for Investment, indicating the anticipated resources expected to be committed to housing activities during FFY 1992. Figure 10 Summarv of Plan for Investment, FFY 1992 ($,000) Non- Federal Federal Total Activities Funds (1) (°Io) Funds (%) Funds (°Io) Rehabilitation $10,977 41% $11,172 40% $22,149 40% Acquisition (2) 1,800 7% 11,200 40% 13,000 24% New Construction 893 3% 3,700 13% 4,593 8% (3) Tenant Assistance 12,270 4G% 750 3% 13,020 24% Home Buyer 0 0% 540 2% 540 1% Assistance Support Services & 645 2% 785 3% 1,430 3% Operating Costs Totals $26,585 100% $28,147 100% $54,732 100% (1) Federal funds provided directly to the City of Saint Paul and other entities include PHA and developers of transitional housing and LIHTC projects. (2) The acquisition activity means no other listed activity is intended to be carried out in conjunction with acquisition of properties; acquisition includes mortgage loan originations for the purchase of existing standard houses and the acquisition of existing standard housing by PHA for its public housing scattered site development program. (3) The new construction activity involves the assembly of redevelopment sites, including acquisition of properties, relocation of occupants and demolition of structures; it also 48 - - ��7 , . includes new housing construction financing. An examPle includes a targeted revitalization program wherein the acquisition, clearance and new housing construction will assist in obtaining a significant improvement of a neighborhood residential environment. The investment plan in this CHAS document reflects: (1) actions the City, neighborhood organizations and other housing interest groups are taking and will continue to take to respond to the challenges reflected in (a) the strategies that are outlined in Section II. Five-Year Strategy, including the actions to remove or ameliorate the negative effects of local policies impacting affordability, and (b) the recently adopted Sairzt Paul Housing Policy for the 1990s, and (2) continued implementation of housing initiatives currently underway and planned by a variety of public & private partnerships to address neighborhood improvement and affordable housing priorities. Strategies Appropriate policies and actions that res�ond to Part 3. Strategies and the Housing Policy for the 1990s are included below. Policy 1. Neighborhood Physical Quality. A high priority is placed on the rehabilitation, redevelopment, and enhancement and maintenance of the physical quality of Saint Paul neighborhoods. � Policy 8. Healthy Community. Measures which enhance the economic and social viability of neighborhoods are taken, particularly where speciat needs are identified. Policy 10. Household Support Services. The City, Ramsey County and others are promoting adequate access to needed household support services. Policy 16. Ownership Assistance. Ownership assistance is provided to first-time home buyers and renter households through home purchase financing and home maintenance and other services. Assistance is also provided to home owners and new buyers to purchase or refinance and rehabilitate existing housing. � Policy 21. Energy Efficiency. Energy efficiency improvements, education and resources are provided to property owners. Policy 22. Priv.ate Investment in Property Maintenance and Rehabilitation. Rehabilitation loans are provided to property owners and public physical improvements are linked to residential revitalization programs. Policy 27. Human Service Needs and Neighborhood Revitalization. The City, public and private human service providers, and neighborhood organizations are addressing human service needs in planning for revitalization and are continuing to pursue more funding for human services. Policy 30. Education for Property Owners/Managers. The City and others are encouraging rental property owners and managers to obtain adequate education and training. Policy 31. Tenant Education. Support is provided for tenant training in housekeeping and 49 � r tenant & landlord rights and responsibilities. Policy 32. Active Attention to Management Needs. The City, neighborhood organizations and others support improved management of rental property. Policy 35. Serious Problem Properties. Regulatory and financial assistance is provided to bring about improvements in problem properties. Policy 46. Emergency Housing. Efforts continue among the City, Ramsey County and service providers to monitor emergency shelter needs, make changes to services where necessary, and to link residents with programs to improve self-sufficiency. . Policy 47. Transitional Housing. Efforts continue among the City, Ramsey County, United Way and other service providers to define the need for transitional housing and to provide transitional housing opportunities. Policy 48. Supportive Housing. Efforts continue to better link housing and social services for specific target groups. Policy 49. Housing for Southeast Asian Refugee Households. Local housing and other assistance programs are being provided and considered for Southeast Asian families. Policy 52. Home Buyer Assistance Programs. Programs continue to provide targeted ownership assistance to low income households. Policy 53. Home Buyer Training. Education�l programs are available and additional ones are being developed to meet the needs of current and prospective homeowners. Policy 56. Housing Unit Conversion. Support is provided in the conversion of existing residential properties to units of a size and type that meet current and anticipated housing demand. Policy 58. New Rental Housing in Neighborhoods. Development and rehabilitation financing is provided to support the creation of three bedroom and larger units for renter family households. Policy 60. Low Income Housing Assistance. Continued efforts are made to see that all low income housing resources are captured and used effectively, to preserve existing subsidized housing, and to seek new alternatives to providing low income housing. Policy 62. Monitoring, New Ownership, and Acquisition. Financing is provided for capable nonprofit developers and others to acquire and rehabilitate existing assisted housing projects to insure long-term affordability of low income housing units. Policy 65. Location of Assisted Units. Ensure policies to prevent concentration of very low income housing are used when reviewing assisted housing projects. Policies That Could Inhibit Affordable Housing. Rental Property Taxes. It is expected that Saint Paul's State legislative delegation will continue 50 .. ., ��"�� to take measures to reduce the property tax burden on rental housing properties. Replacement Housing. The City will evaluate replacement housing requirements and consider whether to make changes in the local ordinance and take measures to obtain changes in the state statute. Spri er dinance. nduct an v�luatio of the o inance ich req ires all bsidized hous' deve ment to clude a s 'nkler sy m. A d the o inanc ccordi to evaluati n findi Housing Initiatives and Priorities The investment plan and household goals for FFY I992 represented in Table 4/SA and Table SB reflect the current Saint Paul ongoing housing program objectives and project priorities. Yacant Housing. The Houses to Homes-Vacant Housing Strategy Program addresses the severe problem of vacant housing in the city. The Houses to Homes comprehensive initiative includes the following program elements: a City administered urban homestead program; the low income scattered site acquisition program administered by the PHA; neighborhood programs administered by nei�hborhood-based non-profit developers, cit�wide non-profit developers, Twin Cities Habitat For Humanity and other developers; the Saint Paul part of the LISC-sponsored National Community Development Initiative (NCDI); and other efforts to rehabilitate vacant housing. All vacant houses secured for rehabilitation are for home ownership. Table 4/SA activities involved with Houses to Homes include rehabilitation, home buyer assistance and support services. Other related priority programs include rehabilitation, home ownership and targeted revitalization. It is estimated�that nearly $5 million will be expended for this priority program in FFY 1992. Rehabilitation. Opportunities are provided from a number of home improvement, home purchase and rental rehabilitation loan programs for home owners and apartment owners to � maintain and improve the city's existing housing stock. These programs include objectives for energy conservation, handicapped accessibility, housing affordability, home child care improvements, health & safety improvements and code enforcement. Rehabilitation is a major city priority for the use of available resources. � Other Table 4/SA activities involved with rehabilitation include tenant assistance, homebuyer assistance and.support services. Other related priority programs include vacant housing, home ownership, preservation of existing low income housing, public housing, and special needs housing. It is estimated that more than $22 million will be invested in rehabilitating the city's existing housing stock during FFY 1992. Homeownership. Financing opportunities and other home ownership services are provided for low income and first-time buyers to purchase homes within the city; opportunities are also provided to home owners and new buyers to purchase or re�nance and rehabilitate existing housing. Mortgage funds are provided for the purchase of existing, rehabilitated and newly constructed housing. Special financing assistance is provided for low income purchasers including equity participation loans, closing cost loans and down payment grants. Special services, including counseling, education and training, are provided to targeted buyers; these 51 !. �. target groups include residents of public housing, purchasers of units in formerly distressed real estate projects, residents and buyers in targeted revitalization areas, renter households and purchasers of vacant houses. Table 4/SA activities involved with homeownership include rehabilitation, homebuyer assistance and support services. Other related priority programs include vacant housing and targeted revitalization. It is estimated that more than $18 million will be invested in home ownership initiatives during FFY 1992. Targeted Revitalization. Improvement and maintenance of neighborhood quality is a high priority for Saint Paul during the 1990s. Underused or vacant land and areas of obsolete development frequently represent blighting influences that need to be addressed as part of a targeted neighborhood's improvement effort. New development is sometimes warranted as part of significant improvements supported by other measures. Table 4/SA activities involved with targeted revitalization include rehabilitation, new construction, tenant assistance, homebuyer assistance and support services. Related priority � programs include vacant housing, homeownership and preservation of existing low income housing. It is estimated that approximately $2 million will be committed to targeted revitalization efforts during FFY 1992. Preservation of Extsting Low Income Housin�. Efforts will continue to help rental housing owners . and managers, including non-profit developers, preserve the livability and affordability of existing low income housing projects. Financing assistance is provided from a number of sources including public and private funds. Opportunities for improvements to property management � capacity and training for resident organizations are provided; a program is presently in place to provide ongoing training and support to low income resident organizations. Table 4/SA activities involved with Preservation of Existing Low Income Housing include rehabilitation, tenant assistance and support services. Another related priority program is targeted revitalization. It is estimated that nearly $3 million will be invested in the preservation of existing low income housing during FFY 1992. Low Income Public Housing. The Saint Paul PHA administers a wide variety of public housing programs. These programs include existing family and elderly developments in congregate and scattered site locations; it also includes modernization of the existing facilities. PHA also administers Section 8 Certificates and Vouchers, tenant assistance and support service programs. Table 4/SA activities involved with public housing include rehabilitation, acquisition, tenant assistance, homebuyer assistance and support services. Related priority programs include vacant housing, homeownership and special needs housing. It is estimated that $20,750,000 will be expended during FFY 1992 for continuing and new public housing programs. Special Needs Housing. There are a variety of programs that meet the needs of special populations. These populations include homeless and near homeless households, households needing transitional housing and support services, very low income individuals and families, large low income families needing affordable rental housing, low income home buyers, refugee households which are primarily Southeast Asian families, and individuals with physical and � 52 ��i��7 . . . (.,.�" mental disabilities. Table 4/SA activities involved with special needs housing include rehabilitation, tenant assistance, homebuyer assistance and support secvices. Related priority programs include preservation of existing low income housing and public housing. It is estimated that more than . $27 million will be expended for special needs housing during FFY 1992. Support Services. A number of programs provide support services for specific purposes. These purposes include job training and employment, education and training for home maintenance and improvement, counseling for home buying, self-sufficiency training for homeless and transitional households, non-profit development and resident organization capacity building, and homeless and foreclosure prevention services. Support services relate to all other priority programs. It is estimated that approximately $1.5 million will be expended during FFY 1992 for support services. Table 4/5A Activities & Table SB Assistance The activities described below are listed on Table 4/SA with estimated resources assigned to each. The goals for assistance to be provided to households by income, tenure and size are shown on Table SB. Rehabilitation. Rehabilitation of the existing Saint Paul housing stock'is not only a major program initiative in itself, as indicated above, but it also is an activity or part of other programs and is funded from a number of sources. Rehabilitation is often considered in terms of ' moderate or substantial rehabilitation; substantial rehabilitation also includes the conversion of non-residential buildings into residenti�l uses. * Responsibility: The PED Housing Division administers all of the City's rehabilitation loan programs funded from federal, state and local sources including the allocation of LIHTC, ESG and HRA funds for rehabilitation financing of significant projects. The PED Housing Division closely with PHA, MHFA, FHF, LISC and NSP in applying to or contracting with the agencies for appropriate funds. Housing staff also work closely with non-profit and for- profit developers in securing private lender mortgage funds and equity investments for priority rehabilitation projects. * Schedule: All rehabilitation activities are part of ongoing programs; therefore, benefits to program beneficiaries are provided on a continuing basis. Figure 11-a Summary of Goals Rehabilitation Investment Plan: Renter Other Existing Other $ 22,149,000 Families Renters Owners Owners Household Goal: 5,240 1,876 2,804 440 120 53 � � . �. � � 000 � 00000 00000 � o m � r+ o .-+ � rn .-� � � o 0 o a E N N lfl �' .-� � Gl 01 00 S � N = 6l = � L' E � `o >- �' S O O O O 'O O O O O O O O O LL 61 Q � r-1 r-1 r-1 � � . cE � � °�' � � � O O O O O O O O O O O O O . '--i �--� .--i 01 I� � t� d' O O � _ M ri � �t �' � � �c Q m a � V � � °o °o ° ° a°, d°- ° �°c� °rn ° rn � � '� � N N �� N N d' �' C o � 2 \ O� � � M M N M \ OO � � O O O � M .-i q � ._.�`. �m � N M M CO N N O M � � O p C C7 1� '�h �--� l0 LA N N �l al ad► � , ¢ I� �t N I� 1� �p O �� Q 01 � m�p M � 1� � M t� O n O O O O O �.� N �� 00 O1 M 1� Ol al . =a = <_ ... M .--� �--i M M �'c > � p � m � `O M O M � N M O M O O tD O lJ �U � � Q E y(�j N O N N 0p 1� i� a1 O� i m m ^ �--I Lf') 1� 1� a ° a � �gv " $ � �� .-i .--i � � �O U � v � �r. I� CO N 1� O O � �n O O t� � �n O @'p I� � � I� l0 d' N �--� r-i N d' N ¢$� O � �--� N �--� � N N w � � E�v N �--1 N N � � •r � C r � ('7 O O l0 M � O � O O CO � M m � ��.. .--I QO '--� � I� .--i N �t d N 7 U LA I..f) OO � � � �p= M N M M W . � � S � - •r � N � M M N M O 00 � � O O Q O 00 M � p $ N N d' M e-� Op e--� M .--� t� O M � al '� � O FO� � Ol l0 .--i l0 t!'f Ql d' M .-i a0 00 � = f� � N 00 CO S � � � TO U �� M M N M O � � O O O QO � + o�� N N � M �--� � M .--� i� M � � Ql t0 �--i lD Q1 �' M CO � � �'' E , ~�a t� � N 00 ._ 3 � � � m = � £ � � �� °e � _ °—' t�i n � � � < � � s � "s � < � � � � .� 3 � � Q •�N/! � � m �� ' �� "a � � � � �� E� —� W tA tAa � � � T� � SE � � � � � 3 � � � �� 8� �� a � � � �� ¢ � � � � �� = � S �QR � � >v . �� F'� 5... n� � U �/ y.Oiir � � nI PJ. �f Y! 1D 1�v O , O� � � � � � � � 53-a � - - ��- �� . , .. Acquisition. The acquisition of properties that is not in conjunction with other activities involve two programs. These programs include ongoing mortgage loan originations for the purchase of existing standard housing, and the acquisition of additional existing homes for PHA's scattered site low income housing program. , * Responsibility: Various private lenders, including the PED's Home Loan Fund, originate mortgage loans that are part of the Minneapolis/Saint Paul Family Housing Program; as issuer of the mortgage revenue bonds for this program, the City is responsible for determining lender allocations and mortgage origination periods. PHA is responsible for the scattered site low income acquisition program. * Schedule: Mortgage loans are available as part of an ongoing mortgage revenue bond program, and therefore, provide benefits to program beneficiaries on a continuing basis. The additional scattered PHA sites are expected to be available for occupancy approximately 30 months following HUD approval of the development funds. Figure 11-b Summary of Goals Acquisition Investment Plan: Renter Other Existing Other $ 13,000,000 Families Renters Owners Owners Household Goal: 195 25 0 0 170 New Const►zcction. This activity will primarily be part of targeted revitalization initiatives where new construction is part of other significant neighborhood improvements, directly replaces obsolete or lost units, or compliments the existing housing supply by addressing unmet needs. The use of federal HOME and CDBG funds and other public resources may be used for site assembly, site preparation and public improvements. * Responsibility: City departments will primarily be responsible for site assembly and clearance activities. Certain neighborhood improvement programs may be implemented by non-profit organizations as sub-grantees as part of program agreements with the City. * Schedule: Any targeted revitalization programs that include site assembly, clearance and new construction activities require a substantial period of time to provide units for occupancy. A 12-24 month period is considered reasonable. 54 .. , . Figure 11-c Summary of Goals New Construction Investment Plan: Renter Other Existing Other $ 4,593,000 Families Renters Owners Owners Household Goal: 75 75 0 NA 0 TenantAssistance. Nearly 95 percent of the expected funds for tenant assistance will be provided as part of the Federal Section 8 and Voucher programs. Local programs will be initiated with State and other public funds. * Responsibility: The PHA is responsible for the federal tenant assistance programs. The MHFA is responsible for allocating available State funds for a shallow rent subsidy program to be available in FFY 1992. * Schedule: Federal tenant assistance programs administered by PHA are available on a continuing basis. Figure 11-d Summary of Goals Tenant Assistance Investment Plan: Renter Other Existing Other $ 13,020,000 Families Renters Owners Owners Household Goal: 2,633 1,702 931 NA NA HomebcryerAssistance. Homebuyer assistance is provided primarily in the form of equity participation loans, closing cost loans, down payment grants and various support services programs available to home buyers. * Responsibility: The FHF in conjunction with the City is responsible for the homebuyer assistance programs as part of the Family Housing Program. Mortgage lenders originate the special assistance funds along with mortgage loans. * Schedule: Homebuyer assistance, along with mortgage loan financing, is available for eligible buyers on a continuing basis. 55 ., . �` ��7 Figure 11-e Summary of Goals Homebuyer Assistance � Investment Plan: Renter Other Existing Other $ 540,000 Families Renters Owners Owners Household Goal: 80 NA NA NA 80 Support Services and Operating Costs. * Responsibility: There are a variety of service providers responsible for support services and operating costs. * Schedule: Support services are available on a continuing basis. New initiatives will have start-up periods varying in time depending on the complexity of the program and the capacity of the service provider. Figure 11-f Summary of Goals Su�port Services & OQerating Costs Investment Plan: Renter Other Existing Other $ 458,000 Families Renters Owners Owners Household Goal: 688 342 246 50 50 Goals for Families to be Assisted with Housing (Table SB) The anticipated federal resources expected to be committed to affordable housing activities will assist a number of individuals and families as indicated in the household goals for each activity displayed in Figures 11-a to 11-f above. Figure 12, Summary of Goals for Families, FFY 1992, is a composite summary of all the displayed activity goals and Table SB, Goals for Families to be Assisted with Housing, indicating household goals during FFY 1992. 56 � .. Figure 12 Summary of Go��ls for Families, FFY 1992 (1) Household Goal: 8,911 (2) � Renter Other Existing Other Assistance Families Renters Owners Owners Rehabilitation, 1,976 2,804 440 290 Acquisition, and/or New Construction Tenant 1,702 931 NA NA Assistance Home Buyer NA NA NA 80 Assistance Support Services & 342 246 50 50 Operating Costs (1) Goals for families represent households only assisted with federally funded programs and with incomes at or below 80 percent of the area median income. (2) The total households represented in Figure 12 reflect a larger number than the households that will be assisted; this is due to an expectation that some households will receive more than one type of assistance (e.g., a renter family may reside in a rehabilitated unit and participate in a support service program). Table SB indicates assistance provided by income group. It is estimated that approximately 90 percent of assisted households will be for very low income households (0-50 percent of area median income), and 10 percent of households will be low income (51-80 percent). 57 . � . B. MONITORING PLAN The City will monitor all program activities to ensure appropriate progress in implementation of the strategy. Following are the major compon�nts of the monitoring system: Housing Coordination Team. The Housing Coordination Team, consisting of the directors of each City agency directly involved with housing, will include CHAS activities along with all other housing action program tasks in their coordination and monitoring responsibility. An annual report on housing action progress compiled by this team will include all CHAS activities. Annual Update. The annual assessment of progress on CHAS objectives will be part of the process for completion of the each annual update. Contract Requirements. As with all subgrantees under the Community Development Block Grant, all recipients of HOME or other funds addressed by the CHAS will work under a contract with the City that identifies all compliance requirements. Contract management will include periodic checking on all compliance requirements. On-Site Monitoring. Periodic site visits will be made to each activity, and projects which for any reason require closer scrutiny will be placed on a list of high-risk projects for more frequent visits. Project Manager Responsihility. A City project manager will be required to certify project achievement and compliance each time funds are disbursed for any project. 58 CJ�- ��"_ ` � . � , CITIZEN PARTICIPATION PROCESS In addition to the Citizen Steering Committee and the public work sessions described in the "CHAS Development Process" at the beginning of the document, the following is a description of the City's citizen participation process: , * The public comment period began August 10, 1991 and ended October 10, 1991. * A summary of the CHAS was published in the Saint Paul Pioneer Press and the Saint Paul Legal Ledger. In addition, a summary was sent out through the City's Early Notification System and to a list of housing and service providers. * Complete copies of the CHAS were made available to the public at the downtown Public Library, and at the Department of Planning and Economic Development and by request. * The CHAS public hearing was sponsored by the Saint Paul Planning Commission on September 24, 1991 at 7:00 p.m. at the North-End Multi-Service Center. * A summary of the public comments is attached. 59 . . . �-�'-'�' ATTACHMENT A. FAIR HOUSING CERTIFICATION The City of Saint Paul hereby certifies that it will affirmatively further fair housing in the administration of housing and community development activities in the private and public sectors. James Scheibel, Mayor of Saint Paul RELOCATION CERTIFICATION The City of Saint Paul hereby certifies that it will comply with the requirement,of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, as amended, implementing regulations at 49 CFR 24, and the requirements governing the residential antidisplacement and relocation assistance plan under section 104(d) of the Housing and Community Development Act of 1974 (including a certification that the jurisdiction is following such a plan). James Scheibel, Mayor of Saint Paul Note: The City's execution of these certifications acknowledges that it will maintain supporting evidence which shall be kept available for inspection by the Secretary, the Inspector General, and the public. 60 ��-g�.�� . , .. ATTACHMENT B. SUMMARY OF CITIZEN'S COMMENTS CHAS Public Hearing September 24, 1991 1. A1 Hester Saint Paul Public Housing Agency � Chair, Saint Paul Overnight Shelter Board Member, Human Development Action Coalition Housing Working Group Comments: The Public Housing Agency was pleased with both the CHAS development process and the draft product. PHA gives its strong support for the priorities and strategies outlined in the CHAS. As chair of the Overnight Shelter Board, they too are pleased with the process and product. The Overnight Shelter Board does want to report on a change in demand and supply of the emergency shelter bed system. Current seasonal peaks in demand for shelter for families with children su�ests that Saint Paul will need to develop a plan for sudden upturns in demand, especially if ovecflow accommodations at area hotels can no longer be used for this service. There have been families with c6ildren turned away from shelters and the entire shelter system. The emergency shelter system is not adec�uate right now. The response is not necessarily to create a lot more emergency shelter beds, but to plan for sudden upturns in demand. Certainly . shelter beds are better than cars, the street, and even hotels because of their more structured setting and access to support services, however, it is not the best possible solution. The low turn-out reflects several things: 1) affordable housing is still not seen as a priority by the general public, 2) people aren't really clear on what the CHAS is and what it means for them, and 3) the Saint Paul CHAS process has been thorough and clear enough that a lot of people are satisfied with the DRAFT document and the development process. NOTE: This additional information has been considered and the CHAS has been revised to reflect this. 2. Kate Seng District Director, Congressman Vento's Office Member, Saint Paul Overnight Shelter Board � _ Member, Human Development Action Coalition Housing Working Group Comments: Ms. Seng echoed the comments made by Mr. Hester. The City has done a very thorough job of soliciting public input. The federal government has the responsibility to provide resources for affordable housing, but the Feds are not doing what they need to be doing. Bruce Vento is working very hard on these issues and trying to get his colleagues to do the same. The City should be complimented on the CHAS process. It's unfortunate the crowd is so small. I think the City did a good job of soliciting as much outside comments as possible. They got the draft out early and to a good number of people. No other public comments have been received to date. 61 .