1. HOUSING SUMMIT SPONSORED BY: United Way of St. Joseph County
City of South Bend
Notre Dame Clinical Law Center

2. Why a Housing Summit?
Safe, affordable housing is at the core of self-sufficiency.
It is also a fundamental right as established by multiple international norms and treaties including the Universal Declaration of Human Rights, the International Covenant on Economic , Social and Cultural Rights and the International Covenant on Civil and Political Rights.
Multiple studies have shown that the lack of safe, sustainable housing has numerous consequence for families and their communities, While we will talk about these in more detail throughout the day, just to highlight a few:
people who lack safe and sustainable housing are sicker
children who do not have safe and sustainable housing do not perform as well in school
neighborhoods that are unstable are less attractive to investment and do not prosper

3. Roadmap for Today OVERVIEW OF THE ISSUES
Safety Affordability Sustainability
Breakout: resources and challenges
Reports from the Groups
Be sure to mention Senator Young will be arriving at approximately 11:30 and we will break for his remarks on his efforts Nationally (please: this is not a discussion of the government shutdown, Senator Young is her to talk about his efforts in the housing arena and we would like to respect his time and let him talk about that).
Breakout: short, middle and long term goals
Report Back

4. CHALLENGES
AFFORDABILITY

5. Rent Burden
Families living in poverty: 11-17% (depending on your source)
ALICE families plus those living in poverty: 43%
South Bend 54%
Mishawaka 53%
Median rent : (depending on the source)
Rent burdened:
29.8% (Evictionlab.org)
44% renters paying more than 35% of income (City of South Bend )
EXPLAIN ALICE: ASSET Limited Income constrained Employed

6. Best Places Rental Analysis
Studio 550
1 bedroom 760
2 bedroom 1030
3 bedroom 1380
4 bedroom 1520

7. ALICE SURVIVAL BUDGET

8. The Reality of the Numbers
A Family of 4 with 2 parents making minimum wage:
Yearly income: 29,000
Monthly gross: $2,400
Net assuming only taxes: $1989
Median Rent: $745
Rent Burden: 37%
Add in other expenses:
Food: $611
Health care:$ 587
Transportation: $702
Misc. $375
End of the month: -$481.00

9. The Reality of the Numbers
A Family of 4 making median wage:
Yearly income: 49, 255
Monthly gross: $4104.
Net assuming only taxes: $3406
Median Rent: $950 (2 bedrooms)
Rent Burden: 28%
Add in other expenses:
Food: $611
Health care:$ 587
Transportation: $702
Misc. $375
End of the month: $181.00

10. The Myth of Public Housing
No new units constructed in over 20 years
Long waiting lists
You cannot live in public housing if your credit is bad
You cannot live in public housing if you have had a drug conviction
The waiting list for Section 8 vouchers is years long; last took applications for 3 days in 2017
No availability
The Myth of Public Housing
Mention that vouchers in doubt if shutdown continues to Feb .

11. Most People are not getting assistance:

12. Challenges:
SAFETY

13. Aging Housing Stock 41.6% occupied property built before 1960
90% 20 years old or more
17% built before 1940

14. Lead Paint In South Bend: 82.1 % built before 1979
Lead paint banned 1978
High incidents in certain areas
Serious health risk to children

15. And the ceiling came falling in

16. Heating/Electricity/Water
Landlord removes and sells furnaces before renting
Landlord shuts off water to force tenant to move
Landlord never initiates water service
Electricity does not work in all parts of the home
This is a frozen bottle of liquid detergent on the counter of my client’s home

17. MOLD

18. 32-31-8-5 Duties of landlord at commencement of and during occupancy
A landlord shall do the following:
(1) Deliver the rental premises to a tenant in compliance with the rental agreement, and in a safe, clean, and habitable condition.
(2) Comply with all health and housing codes applicable to the rental premises.

19. Challenges:
SUSTAINABILITY

20. South Bend experienced 1,930 eviction filings in 2016
Number of evictions per day: 3.12
Eviction Filing Rate: 11.34%*
* An eviction filing rate is the number of eviction filings per 100 renter-occupied households

21. Mishawaka experienced 779 eviction filings in 2016
Number of evictions per day: 1.03
Eviction Filing Rate: 7.34%*
* An eviction filing rate is the number of eviction filings per 100 renter-occupied households

22. Comparison of eviction filing rates in 2016
Comparison of eviction filing rates over time 1
South Bend
South Bend 2
Mishawaka
Mishawaka 3
United States
United States

23. Eviction Statistics What the numbers Don’t Contain:
Informal evictions and lockouts
Foreclosure evictions
Tax sale evictions

24. Eviction is a cause of poverty, not a symptom
Homelessness
Forced to accept substandard housing
Increased psychological trauma
Poor health outcomes
Risk factor for suicide
Risk factor for children’s educational outcomes
Increases stress
Risk factor for medical problems

25. Current efforts Local: State HB 1372: require rental safety inspection
South Bend: Rental Safety Verification Program
State
HB 1372: require rental safety inspection
SB 422: allows termination of lease for conditions and return of money
SB 524: conditions and notice changes
Federal
Senator Young Task Force on Affordable Housing