A full list of supporters is available, Fannie Mae and Freddie Mac Can Support Racial Equity in Homeownership and Environmental Justice Efforts, The United States Must Deliver on Equitable Housing Outcomes for All, The ARP Grew the Economy, Reduced Poverty, and Eased Financial Hardship for Millions, Why the United States Must Stay the Course on Ukraine, Paid Leave Policies Must Include Chosen Family, The Killing of Tyre Nichols Must Serve as a Catalyst to Root Out Racial Injustice in Policing, 5 Ways Governors and Mayors Can Leverage Federal Investments. Moving to Opportunity (MTO) for Fair Housing Demonstration Program. HOPWA Program Administration Toolkit In Syracuse, almost 55% of our renters spend 30% or more of their income on housing costs, including rent and utilities. %%EOF Sarnata Reynolds, Caroline Medina, Molly Weston Williamson, Rachael Eisenberg, Brandon Tucker, Hadi Sedigh. Local programs might also rely on a caseworker or other professional who knows about your situation to certify that your income qualifies for emergency rental assistance. State and local programs are distributing billions of dollars in rental assistance to help renters stay housed during the pandemic. Utilities and home energy costs include electricity, gas, water and sewer, trash removal, and fuel oil. In 2018, 8,200 fair housing complaints were filed for discrimination based on race or national origin6likely a vast undercount of actual occurrences. This example shows a way to structure the rent assistance portion of an application. Housing subsidies administered by the federal government provide financial assistance to help low-income people pay rent.6,33,34However, households may be on waitlists for several years before receiving assistance.6,18,33Due to limited funds and the large number of households in need, only 26 percent of eligible households received federal housing subsidies in 2013.8Further work is needed to explore potential strategies to reduce housing instability. Before COVID-19, half of all renters were moderately or severely cost-burdened, with at least 30 to 50 percent of their household income going toward housing costs.9 Cost-burdened renters, particularly those of color, are the most at risk of eviction due to the increased likelihood of missing rent payments. (2009). We help tenants in housing crisis due to fire, natural disaster, eviction, or condemnation. This example illustrates how you can structure the section on utility assistance. Platforms such as these recognize that an equitable recovery must be race-conscious and reconcile past harms while also providing solutions for current challenges. Local programs are also allowed to use some emergency rental assistance funds to help you with other expenses related to your housing, such as reasonable late fees, as well as costs for internet service that allows you to engage in distance learning, telework, telemedicine, and getting government services. Housing instability also affects the A sort of homecoming: Incarceration and the housing security of urban men. WebAll housing subsidized under 24 CFR 574.300 (b) (3), (4), (5), and (8), including units assisted under HOPWA tenant-based and project-based rental assistance, must be safe and sanitary. Although they have been able to keep many individuals and families housed, many moratoriums have expired,55 and many renters are faced with paying back rent. . }. Low-income children who switch schools frequently tend to perform less well academically, are less likely to complete high school, and as adults obtain jobs with lower earnings and skill requirements. It utilizes progressive disclosure, only showing applicable sections. ReviewingandSubmittingForms 1. Section 1 Overview check with your local program for details, Reasonable late fees (if not included in your rental or utility debt), Moving expenses and other rental-related fees (such as security deposits, application fees, or screening fees) for families who have to move, You had to move out of your home and you dont have a permanent home elsewhere, You can provide hotel or motel bills or other evidence of your stay, and, Your local program follows the rules for this emergency rental assistance. Housing Policy Debate, 26(1), 172187. WebProof of identity, which may include a clear and legible photo identification or other means of identification through id.me Lease or housing agreement that matches the applicant and landlord names. Is it Costing Their Future?, Kim Parker, Rachel Minkin, and Jesse Bennet, Economic Fallout From COVID-19 Continues To Hit Lower-Income Americans the Hardest, Pew Research Center, September 24, 2020, available at, Zego, May Rent Payment Data Reveals April Trends Have Continued as a Result of COVID-19, May 13, 2020, available at, Morgan Baskin, As Eviction Bans Expire, Renters Turn to Credit Cards, Talk Poverty, July 15, 2020, available at, Matthew Desmond, Unaffordable America: Poverty, Housing, and Eviction,, American Heart Association News, Best way to end homelessness and its health impact? If you receive a federal rent subsidy, such as a Housing Choice Voucher, Project-Based Rental Assistance, or Public Housing, you may still qualify for assistance with the rent or utilities that you are responsible for paying. If you dont have a signed rental agreement or lease, local programs may accept proof of your address and a written statement about your rent, such as: You may also be able to show your rental payment amount with: If you give a written statement, local programs may require you to certify that you did not receive and dont expect to get help from a different source to cover the same rental costs. Moving to Opportunity for Fair Housing. WebMy household is experiencing housing instability due to (please select all options that apply to your households circumstances): Receipt of a rental eviction notice. When documentation of a rental agreement is unavailable, focus on proving residence and monthly rental amount. 1437a(b)).2 While there are some differences in eligibility between ERA1 and Here's a snapshot of the objectives related to topics covered in this literature summary. Am I eligible for emergency rental assistance? WebProof of Identity Person whose ID is provided must be on the lease ID of any form (U.S. or non), ideally with photo or signature Proof of Housing Instability (any of the following): Past Due Rent Utility Notice Court Case Paperwork Evidence of Unsafe/Unhealthy Living Conditions Income Verification (any of the following): Talk to your local program to find out how they can help. Grantees should adjust the content in the help text to be consistent with the specific policies and procedures that have been developed locally. Recent analysis estimates that the amount of back rent owed may reach as much as $34 billion by years end, with more than 20 million renters8 million householdsfacing possible eviction by January 2021.31 Renters of color disproportionately report being behind on rent, (see Figure 3) and unpaid rent continues to grow. Research Shows Rental Assistance Reduces Hardship and Provides You must sign a written statement that the information in your application is correct and complete, and that you will use the emergency rental assistance for the costs it is meant to cover. By enacting the right to counsel legislation, evictions in New York Citythe first city to implement this intervention strategywere reduced by 29 percent from 2017 to 2019.96 To better understand the scope of the U.S. housing stability crisis, uniform eviction data collection on the federal level is needed to capture the scope of filings and evictionswhere they are concentrated, who is filing, and the reasons for filing. For example, if the applicant only checks that they need assistance with gas bills, only additional fields pertaining to the gas bill will be shown. WebTo be eligible for housing stabilization services, the person must be on Medical Assistance and be 18 years or older. Talk to your landlord. U.S. Department of the Treasury Emergency Rental Email People experiencing housing instability reportedly face a number of barriers that prevent them from finding and applying for employment. Proof of income qualification; Examples of acceptable forms of each document type are provided below. It doesnt matter how long you have been living in your current rental home. Proof of financial impact; 4. Where can I find out if my household qualifies for rental help? Use the search bar to find programs in your area. https://www.jchs.harvard.edu/sites/default/files/reports/files/Harvard_JCHS_The_State_of_the_Nations_Housing_2020_Report_Revised_120720.pdf, Crowley, S. (2003). , an advocacy organization dedicated to improving the lives of all Americans. 83.5 percent of households earning less than $15,000 a year were cost burdened. Due to historic and current policies as well as systemic racism in housing, criminal justice, education, employment, and health care, people of color are more likely to experience homelessness across their lifespan.23 As a result, communities of color are overrepresented in the homeless population, with nearly 40 percent of people experiencing homelessness identifying as Black, 22 percent as Latinx, 3 percent as Native American, and 2 percent as Pacific Islander.24 These racial disparities are only expected to worsen due to the impacts of the neglectful mismanagement of the coronavirus pandemic.25, Although housing insecurity affected communities of color long before COVID-19, the current pandemic continues to exacerbate inequalities. When documentation of a rental agreement is unavailable, focus on endstream endobj startxref hbbd```b``vA$$,&WaDY0yl'BIB\[A$`9`` L&uEMa`@d(/$>9a"L] O k6 Ct@ : Weblow and moderate income households that have had experienced a COVID Hardship and Housing Instability due to the COVID-19 pandemic. If your landlord normally pays for utilities or home energy costs, these are counted as part of your rent. Additionally, people with criminal records continue to face barriers in obtaining rental housing. of Housing Our aim is not just to change the conversation, but to change the country. Like other renters, you may also qualify for help with utilities or other housing-related expenses. If you cannot find any program in your area, call 2-1-1 or your local housing authority for assistance. `HU9xB4O7003p;X$hkboii`s:i@ZDc*@ HB3 If youre a landlord, eligibility is based on your tenants household needs. If they do rely on your written statement, the program you apply to needs to review your household income again every three months to make sure you remain eligible. To ensure an equitable recovery from this pandemic, past harms and current hardships faced by communities of color must be reconciled. Browse all objectives. We will be happy to walk you through the process. Journal of General Internal Medicine, 21(1), 7177. Do this as soon as possible. Examples of documentation may include: Notice of eviction; Past due notice of rent or past due utility bill; Shutoff notice from utility company; Proof of unsafe living conditions. As frameworks such as those in the BREATHE Act specify, those communities most affected by both past harms and the current pandemic must be included at all levels of policy and decision-making. hbbd```b``+dd="J^09DB`Rd DI%`@?H1d`$$2@ uY physically observed the individuals living location/conditions. If your income has changed, you might qualify for lower rent. The question Is this household currently caught up on rent payments? (Question 40b) was asked in Phase 2 of the HPS, which includes weeks 13 through 16 (August 19 to October 12, 2020). For details, start with the rental assistance programforyour state, tribe, or localarea. Your local program should let you know how their system for prioritizing applications works. Journal of Community Psychology, 42(8), 964979. Your applications will not be fully submitted until your landlord has responded to the recommendation request and has submitted required documentation. BMC Public Health, 4(1), 18. These example pages can be used by program administrators and staff or vendors in building or modifying ERA applications. Family Residential Instability - Urban Institute How stable is stable? Can I get help with the cost of moving to a new home? The simplest way to capture a tenants rental obligation is with a current lease or an equivalent letter from their landlord. Meanwhile, the Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act42the anticipated relief package that was originally passed in the U.S. House of Representatives in Mayand a revised version of that bill passed by the House in October43 have yet to be introduced in the U.S. Senate. If I dont need help with rent, can I still get help with utilities, heating and cooling bills, the cost of moving, or other costs? For example, people living in lower-income areas rate their own health lower than those living in higher-income neighborhoods.28The Moving to Opportunity (MTO) program provided very low-income families with rental assistance and housing counseling to move from high-poverty to low-poverty neighborhoods.29,30Research on the effects of the MTO program showed that people who moved from high-poverty to low-poverty neighborhoods before the age of 13 were more likely to attend college, had higher incomes, were less likely to be single parents, and lived in better neighborhoods as adults.31Adult women given vouchers through MTO had a lower prevalence of extreme obesity and diabetes after 10 to 16 years compared to those not given vouchers.32. If an applicant's utility bill is bundled with other non-eligible services and thus needs to be broken apart, details on how to do so should be included here. Last full review by a subject matter expert December 02, 2021 Last revised by staff December 02, 2021 Rate Prevent evictions, July 16, 2019, available at, David Elliot, CDC Agrees: The National Eviction Crisis Is a Public Health Emergency, Coalition on Human Needs, September 2, 2020, available at, National Low Income Housing Coalition, COVID-19 & Housing/Homelessness, available at, National Low Income Housing Coalition, Housing Needs By State, available at, Coronavirus Aid, Relief, and Economic Security Act of 2020, Public Law 136, 116th Cong., 2nd sess. WebHow can I provide proof that I am at risk of housing instability to qualify for assistance? Housing Instability - Healthy People 2030 | health.gov Housing Policy Debate, 26(1), 80104. For example, tenant-landlord mediation programs that intervene once an eviction is threatened or filed can explore options and negotiate solutions prior to court involvement to ultimately prevent an eviction.92 A mediation program in Palo Alto, California, reports that 80 percent of mediation cases are able to be resolved outside the court.93 If an eviction filing does occur, guaranteeing renters a right to counsel can also help to keep them housed.94 In eviction proceedings, approximately 90 percent of landlords have legal representation, compared with just 10 percent of tenants.95 This vast inequality in resources leads to the majority of tenants losing these cases. Albany Government Law Review, 2, 1. The BREATHE Act,82 a holistic racial equity policy platform built by the Movement for Black Lives with support from Reps. Ayanna Pressley (D-MA) and Rashida Tlaib (D-MI), as well as various cosponsors, includes a section on equitable community investments.83 The act advocates for addressing the affordable housing crisis by pushing to advance reconciliation for Native Americans and other communities negatively affected by redlining and other housing discrimination policies and practices. Click each of the three boxes below to review eligibility. hb``` 7@(1)"1@ k? A study from the University of Washington that focused on rental housing in Washington state found that, in 2018, neighborhoods with more racial diversity experienced higher rates of evictions.18 Another, earlier study, which looked specifically at King County, Washington, found that nonwhite renters faced eviction rates that were 60 percent higher than those of white renters.19 Controlling for poverty levels, New York City neighborhoods with more Black and Latinx renters also face higher rates of evictions,20 and more Black and Latinx renters than white renters report being threatened with eviction.21 And after looking at data from 2009 to 2011, the Milwaukee Area Renters Study found that Latinx renters in predominantly white neighborhoods were twice as likely to be evicted as Latinx renters in neighborhoods that were not predominantly white.22, People of color disproportionately experience homelessness. Local programs may be able to help with future rent. Webexperiencing homelessness or housing instability; and c. the household is a low-income family (as such term is defined in section 3(b) of the United States Housing Act of 1937 (42 U.S.C. However, if you have overdue rent, the money you get must go toward rent that you owe before it can be used for future rent. Maternal and Child Health Journal, 19(6), 12761283. U.S. Department of the Treasury Emergency Rental Assistance Harvard University. to contact us. Hardships disproportionately faced by communities of color are being exacerbated by the pandemic and require an equitable recovery that reconciles past harms while also providing solutions for current and future challenges. Money from the federal ERA Program is for renters only. Moving 3 or more times in 1 year, often called multiple moves, has been associated with negative health outcomes in children.3,21Children who move frequently are more likely to have chronic conditions and poor physical health.21They may also be less likely to have consistent health insurance coverage.21, People who have spent time in prison may be discriminated against by potential landlords, lose eligibility for public housing, and struggle to maintain stable housing.22,23People are often released from prison with minimal income, and those who find employment face reduced earnings and may have difficulty paying for housing.22,23One study found that 5 years after release, Black individuals who have spent time in prison were more likely to experience housing instability than White individuals who have spent time in prison, even after controlling for earnings.23, Homelessness is housing deprivation in its most severe form.9Homelessness is defined as lacking a regular nighttime residence or having a primary nighttime residence that is a temporary shelter or other place not designed for sleeping.24About 580,000 people experienced homelessness in the United States on a single night in 2020.8A study of newly homeless people in the New York City shelter system found that 6 percent had diabetes, 17 percent had hypertension, 17 percent had asthma, 35 percent had major depression, and 53 percent had a substance use disorder indicating that chronic disease is more common among people who are newly homeless than among the general population.25People who are homeless also have an increased risk of premature death.26A study in Boston found that for 25- to 44-year-olds, the mortality rate was 9 times higher for men who are homeless and 10 times higher for women who are homeless compared to the general population of Massachusetts and the mortality rate for 45- to 65-year-olds was 5 times higher for people who are homeless.26The health effects of homelessness can begin early in life, as pregnant women who are homeless are more likely to deliver preterm and low birthweight babies.27, In addition to the direct health effects of housing instability, frequent moves may prevent individuals and families from building long-lasting attachments to neighborhoods. These can be a model that grantees may be able to learn from and use to help reduce their processing bottlenecks, barrier bust documentation hurdles for tenants, and therefore, keep people stably housed. It allows the applicant to fill in each month they are asking for assistance on, as well as any fees, and calculates the total amount of assistance requested for them. 7301, 116th Cong., 2nd sess. Yes, your local program may offer help with utility or energy costs alone. https://www.hud.gov/programdescription/mto, Chetty, R., Hendren, N., & Katz, L. F. (2016). Rental assistance cant be used to cover any utilities and home energy costs that your landlord normally pays for. U.S. Department of Housing and Urban Development, Office of Policy Development and Research. American Sociological Review, 44(1), 5980. At least one member of your household has: Qualified for unemployment or should qualify, Your household income is below a certain amount, based on where you live, At least one member of your household is experiencing housing instability, which means they are at risk of becoming homeless or would have trouble finding a stable place to live. Kushel, M. B., Gupta, R., Gee, L., & Haas, J. S. (2006). V@xYdpYJ8B0T\&t`*PyC" i(8yvL,LLB\,230P4S5c o6?02hs0igHdfpYb^33s0053. But this depends on your local program. doi: 10.1007/s10995-012-0997-8, Herbert, C. W., Morenoff, J. D., & Harding, D. J. People of color, who have faced higher rates of lost employment during the pandemic,10 continue to be disproportionately cost-burdened and at increased risk of eviction.11. The CARES Act required landlords to provide at least a 30-day notice to tenants before filing an evictiona protection that is not set to expire.89 This protection, and other prefiling notice requirements,90 provide tenantswho previously only had a few days notice before court involvement91more time to take the action needed to prevent their eviction or, if an eviction does occur, search for emergency housing. https://www.congress.gov/bill/100th-congress/house-bill/558, Schanzer, B., Dominguez, B., Shrout, P. E., & Caton, C. L. (2007). Proof of rental obligation; 3. Housing instability encompasses a number of challenges, such as having trouble paying rent, overcrowding, moving frequently, or spending the bulk of household income on housing.1,2These experiences may negatively affect physical health and make it harder to access health care.1,3,4This summary will discuss the cost of housing as well as the health effects of substandard housing and forced evictions. Gove, W. R., Hughes, M., & Galle, O. R. (1979). Therefore, a national, comprehensive moratorium on evictions should be extended past the pandemic to ensure that renters are able to remain housed. But right now,most federal emergency rental assistance programs accept applications from landlords. Four in 5 landlords use criminal background screening when evaluating tenant applications,101 and people with criminal records are often ineligible for public and supportive housing programs.102 These barriers disproportionately affect people of color and contribute to the cycle of housing insecurity and incarceration.103 Repealing these restrictions and practices while jointly adopting automated record-clearing programs, such as the Clean Slate Initiative,104 would help provide access to affordable housing and keep people lodged. There are multiple ways to prove a risk of homelessness or housing instability, including: The calculated household income is less than 30% of the AMI. Homelessness prevention and housing security programs and policies need to include and prioritize a race-conscious framework. If youre a landlord, eligibility is based on your tenants household needs, and youll be asked to show that your tenants household is eligible for assistance. Tackling Climate Change and Environmental Injustice, The positions of American Progress, and our policy experts, are independent, and the findings and conclusions presented are those of American Progress alone. Questions - If you have questions about the program, you can: All email messages will be returned within one business day. "a Housing affordability and health: Evidence from New York City. Council Considers Bill To Seal Eviction Records, DCist, June 19, 2019, available at, David Thacher, The Rise of Criminal Background Screening in Rental Housing,, Weiss, Housing Access for People with Criminal Records., Reentry and Housing Coalition, Barriers to Housing, available at, Clean Slate Initiative, Home, available at, Joint Center for Housing Studies of Harvard University, Americans Rental Housing 2020 (Cambridge, MA: 2020), available at, Loren Berlin, Using Housing to Fight Discrimination Against People with Disabilities, Urban Institute, April 24, 2019, available at, Guzman and Skow, Multigenerational Housing on the Rise, Fueled by Economic and Social Changes., Elliott Anne Rigsby, Understanding Exclusionary Zoning and Its Impact on Concentrated Poverty, The Century Foundation, June 23, 2016, available at, U.S. Census Bureau, Measuring Household Experiences during the Coronavirus Pandemic, available at.
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