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#RuralFacts – Rural Data from Taking Stock

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The Housing Assistance Council (HAC) published Taking Stock: Rural People, Poverty and Housing in the 21st Century in December, 2012. This 160 page report features analysis of over of 6,000 data points from the 2010 Census and other sources about rural communities. To highlight the findings from this research as well as issues facing rural communities, HAC will be sharing factoids, images and data from Taking Stock through social media.

This information will be posted on twitter, using the hashtag #ruralfacts (bookmark this link so you can always access this information). If you do not already, follow HAC @RuralHome.

You can also share your comments with HAC on Facebook, LinkedIn or on the Rural Affordable Housing Group.

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HAC News: January 10, 2013

HAC News Formats. pdf

January 10, 2013
Vol. 42, No. 1

• Tax deal delays sequestration • USDA offers MPR preservation funds • ROSS Service Coordinators applications invited • Funds available for CDFIs • CFPB changes “qualified residential mortgage” definition • USDA RD proposes civil money penalties • Comments sought on Section 202 preservation rental aid • Farmworker housing RA being monitored • New guide explains how to combine HOME and LIHTC • HUD describes new fair housing assessment and planning process • Report describes successes of Section 502 direct and Section 523 self-help • HAC blog posts cover data, review 2012

January 10, 2013
Vol. 42, No. 1

TAX DEAL DELAYS SEQUESTRATION. The American Taxpayer Relief Act of 2012, the deal reached by the Administration and Congress to avoid the “fiscal cliff,” delays until March 1 the 8.2% across-the-board spending cuts that would have been effective January 1 (see HAC News, 9/26/12), while lowering the caps for FY13 discretionary spending. It also extends for one year a 9% credit floor for Low Income Housing Tax Credit deals and extends the New Markets Tax Credit for 2012 and 2013. In February and March Congress will be faced with decisions about sequestration, the U.S. debt ceiling, and the continuing resolution for FY13 funding that expires on March 27.

USDA OFFERS MPR PRESERVATION FUNDS. Pre-applications for the Multi-Family Housing Preservation and Revitalization Demonstration Program for Sections 515 and 514/516 are due February 28. Unfunded applications from previous years will receive priority. No new Rental Assistance is available. The notice and pre-application form are available in the Federal Register and on RD’s website. Contact an RD state office, Sherry Engel, RD, 715-345-7677, or Tiffany Tietz, RD, 616-942-4111, ext. 126.

ROSS SERVICE COORDINATORS APPLICATIONS INVITED.Nonprofits, PHAs, tribes/TDHEs, and resident associations can apply by February 19 for Resident Opportunity and Self-Sufficiency Service Coordinator funding. Details are posted on HUD’s website and at grants.gov. Contact Dina Lehmann-Kim, HUD, 202-402-2430.

FUNDS AVAILABLE FOR CDFIS. Community Development Financial Institutions and Native CDFIs can apply by February 28 for financial or technical assistance monies from the CDFI Fund, subject to appropriations. Contact agency staff, 202-653-0421.

CFPB CHANGES “QUALIFIED RESIDENTIAL MORTGAGE” DEFINITION. A regulation proposed in May 2011, intended to ensure that consumers receive mortgages they can repay, would have strongly discouraged non-governmental mortgages with downpayments under 20%. The final rule, announced on January 10, drops the downpayment standard and uses instead a 43% debt-to-income ratio, along with numerous other requirements. Some balloon payment mortgages would be allowed if made by small creditors in rural and underserved areas. CFPB requests comment on some amendments, including one to define as QRMs all mortgages made and held in portfolio by small creditors. The comment deadline will be set when the rule is published in the Federal Register.

USDA RD PROPOSES CIVIL MONEY PENALTIES. Comments are due February 4 on a proposed rule intended to create more effective civil monetary penalties, along with due process protections, for violations of housing program statutes, regulations, and loan documents. Contact Stephanie White, RD, 202-720-1615.

COMMENTS SOUGHT ON SECTION 202 PRESERVATION RENTAL AID. Comments are due March 11 on proposed 20-year Senior Preservation Rental Assistance Contracts that would prevent displacement when Section 202 properties are refinanced or recapitalized. Contact Margaret Salazar, HUD, 202-708-2495.

FARMWORKER HOUSING RA BEING MONITORED. An Unnumbered Letter issued December 13, 2012 explains that USDA is monitoring transfer of Section 521 Rental Assistance from Section 514/516 Farm Labor Housing properties to ensure RA is transferred to other FLH properties when possible, in compliance with the continuing resolution that funds the program through March 27. Contact Janet Stouder, RD, 202-720-9728.

NEW GUIDE EXPLAINS HOW TO COMBINE HOME AND LIHTC. HOME and the Low-Income Housing Tax Credit Guidebook, published by HUD, addresses compliance with the requirements of both programs.

HUD DESCRIBES NEW FAIR HOUSING ASSESSMENT AND PLANNING PROCESS. In its Statement of Regulatory Priorities for FY13, HUD says it plans to issue a proposed rule in April changing how it administers its obligation to affirmatively further fair housing. It will replace the existing analysis of impediments requirement with a fair housing assessment and planning process, hoping to create a more direct link between fair housing and Consolidated Plans or PHA Plans. Contact Patrick Pontius, HUD, 202-402-3273.

REPORT DESCRIBES SUCCESSES OF SECTION 502 DIRECT AND SECTION 523 SELF-HELP. A new National Rural Housing Coalition publication shows how these programs have expanded homeownership opportunities to some of the nation’s poorest rural families at little expense to the federal government. The report is free online or $10 from NRHC. Contact Sarah Mickelson, NRHC, 202-393-5225.

HAC BLOG POSTS COVER DATA, REVIEW 2012. In December HAC contributed two posts to Shelterforce magazine’s Rooflines blog. “Basic Challenges Outlast Housing Crisis in Rural America” presents some key findings from HAC’s Taking Stock report. “10 Things That Did Not Happen in Rural Housing in 2012” lists several things that should have happened but did not, and also observes that housing advocates did not give up.

HAC News: December 12, 2012

HAC News Formats. pdf

December 12, 2012
Vol. 41, No. 24

• Congressional committee leaders announced • Streamlining HUD’s rental assistance again considered by Senate committee • Lead paint grants offered • Final rule issued for IHBG and Title VI loan guarantees • Input sought on Native American access to capital and credit • Downpayment sources for FHA mortgages addressed • HUD report shows homelessness rate statistically unchanged • Concentration of poverty growing in nonmetro areas, ERS reports • Rural poverty and housing need persist, HAC report says • HAC honors six for rural housing work


December 12, 2012
Vol. 41, No. 24

CONGRESSIONAL COMMITTEE LEADERS ANNOUNCED. Key positions will change in the 113th Congress, which starts in January. On the House Financial Services Committee, Rep. Jeb Hensarling (R-TX) will be the new chairman and Rep. Maxine Waters (D-CA) will be the new ranking member (top Democrat). For the Appropriations Committee, Rep. Nita Lowey (D-NY) will be the new ranking member, while Rep. Harold Rogers (R-KY) continues as chairman. Some House subcommittee leadership spots and Senate positions will also change but have not yet been announced. The HAC News will provide further updates as available.

STREAMLINING HUD’S RENTAL ASSISTANCE AGAIN CONSIDERED BY SENATE COMMITTEE. The Senate Banking, Housing and Urban Affairs Committee held a second hearing December 11 titled “Streamlining and Strengthening HUD’s Rental Housing Assistance Programs.” The first hearing on this subject was held in August.

LEAD PAINT GRANTS OFFERED. Applications are due February 4 for HUD’s Lead-Based Paint Hazard Control Grant and Lead Hazard Reduction Demonstration Grant programs, subject to congressional appropriation of program funds for FY13. States, counties, tribes, and other local governments are eligible, and funds can be used in owner-occupied or rental housing. Contact Michelle M. Miller, HUD, 202-402-5769.

FINAL RULE ISSUED FOR IHBG AND TITLE VI LOAN GUARANTEES. Changes in the regulations reflect consensus decisions by HUD and tribal representatives in a negotiated rulemaking process and implement changes enacted in several statutes, including the 2008 NAHASDA reauthorization act. Contact Rodger J. Boyd, HUD, 202-401-7914.

INPUT SOUGHT ON NATIVE AMERICAN ACCESS TO CAPITAL AND CREDIT. The CDFI Fund requests comments from tribes and others on research about access to capital and credit in Native communities, updating a 2001 study. It hopes to provide a baseline of information on the subject and to identify barriers and provide options to address them. Comments can be submitted in writing or in webcast meetings on January 15 and 17. Contact CDFI Fund staff.

DOWNPAYMENT SOURCES FOR FHA MORTGAGES ADDRESSED. Comments are due January 4 on a regulation clarifying that state and local government programs that provide funds for all or part of homebuyers’ downpayments for FHA mortgages are exempt from statutory prohibitions on some sources of downpayment funds. Contact Millicent Potts, HUD, 202-708-2212.

HUD REPORT SHOWS HOMELESSNESS RATE STATISTICALLY UNCHANGED. Data collected in January 2012 shows the number of homeless people nationwide almost the same as in January 2011, although there were increases and decreases in some states, and homeless veterans declined by 7%. The 2012 Annual Homeless Assessment Report counts people in shelters, transitional housing, safe havens, and places not intended for human habitation. Data for every state and Continuum of Care are also posted.

CONCENTRATION OF POVERTY GROWING IN NONMETRO AREAS, ERS REPORTS. An analysis of American Com-munity Survey data by USDA’s Economic Research Service found that many counties with newly high poverty rates are adjacent to those that had high poverty rates in 2000. ERS’s findings are similar to HAC’s in Taking Stock (see next article below) and HAC’s accompanying poverty map; the two analyses were conducted independently and use different definitions of rural.

RURAL POVERTY AND HOUSING NEED PERSIST, HAC REPORT SAYS. HAC’s decennial analysis of data from the Census and other sources describes demographic changes such as growth in the elderly and Hispanic populations, economic challenges like the foreclosure crisis, and ongoing housing problems including high housing costs, homelessness, and housing quality issues. HAC also looked in depth at five high needs regions and populations including the colonias near the U.S.-Mexico border, Central Appalachia, the Mississippi Delta, Native American lands, and farmworkers. Taking Stock: Rural People, Poverty, and Housing in the 21st Century is free on HAC’s site or $30 from HAC, including shipping and handling.

HAC HONORS SIX FOR RURAL HOUSING WORK. At the National Rural Housing Conference last week, HAC presented the Skip Jason Community Service Award to John David, founder and director of the Southern Appalachian Labor School in West Virginia; Owyne Gardner, T&MA Regional Manager at Little Dixie Community Action Agency in Oklahoma; Al Gold, Executive Director of Community Resources and Housing Development Corporation in Colorado; and Patty Griffiths, Housing Program Manager for the Community Action Commission of Fayette County in Ohio. The Cochran/Collings Award for Distinguished Service in Housing for the Rural Poor went to Shirley Sherrod, founder of the Sherrod Institute in Georgia. Rep. Barney Frank of Massachusetts, retiring after more than 20 years in Congress, received the Henry B. Gonzáles Award.

Mapping Poverty in Rural America

To have an event posted on our calendar*, please e-mail Dan Stern. Or send event description or brochure to:

Housing Assistance Council
Attn: Dan Stern
1025 Vermont Avenue, NW
Suite 606
Washington, DC 20005

Or fax to (202) 347-3441
Attn: Dan Stern

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*Calendar Posting Guidelines:

HAC’s calendar posts announcements about periodic conferences, training sessions, audioconferences, and the like. Topics must be relevant to professionals in the rural housing and community development arena. HAC reserves the right to accept or decline any request to post an item. We do not include sessions provided by entities (for-profit or nonprofit) that offer numerous regularly scheduled training events; links to such entities are provided below.

IPED
HUD Calendar
NeighborWorks
Novogradac and Company

Back to Trainings

MAPPING POVERTY IN RURAL AMERICA

Date: Thursday, June 28, 2012
Time: 2:00 – 2:45 PM EST
Registration Form: https://cc.readytalk.com/cc/s/showReg?udc=4gwjr54kul2g
Materials: powerpoint presentation

Presenters:

Moises Loza – Executive Director, Housing Assistance Council

Lance George – Director of Research & Information, Housing Assistance Council

More Americans are living in poverty today than at any other time since the Census Bureau began measuring its occurrence. Poverty is particularly acute in urban cities and rural communities, as well as in several distinct regions across the nation.

As a prelude to the 2012 edition of Taking Stock — HAC’s decennial report on social, economic, and housing conditions in rural America — we are releasing our newly updated poverty map. HAC’s map details county-level poverty data from 2010 Census figures, as well as information on historic, regional, and persistent poverty in the United States.

Please join us for a webinar presentation of the HAC poverty map, and a discussion of poverty in rural America on THURSDAY, JUNE 28, 2012 – 2:00pm -2:45pm (EDT).

Register Now! Space is limited so please register early.

For information, contact: Dan Stern, 202-842-8600 or dan@ruralhome.org.

Reports

Taking Stock 2010

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More from Taking Stock at #RuralFacts and Poverty in the United States (Map)

Purchase the Report

Press Conference

TAKING STOCK: RURAL PEOPLE, POVERTY AND HOUSING IN THE 21ST CENTURYtaking_stock2010_Cover_thb

Nearly 30 years ago the Housing Assistance Council (HAC) published Taking Stock, one of the first comprehensive assessments of rural poverty and housing conditions in the United States. Since the 1980s, HAC has prepared an updated Taking Stock every ten years following the release of decennial Census data. Now HAC presents the newest edition of Taking Stock, using data from the 2010 Census and American Community Survey (ACS) to describe the social, economic, and housing characteristics of rural Americans.

Executive Summary

Download Taking Stock (PDF):

Introductory Documents

I. SOCIAL, ECONOMIC, AND HOUSING CONDITIONS IN RURAL AMERICA

Rural People and Places: The Demographics of Rural and Small Town America

The Rural Economy

Housing In Rural America

II. HIGH POVERTY REGIONS AND POPULATIONS IN RURAL AMERICA

Overview

Border Colonias

Zavala County, Texas

Central Appalachia

Hancock County, Tennessee

Farmworkers

Kern County, California

Lower Mississippi Delta

West Feliciana Parish, Louisiana

Native American Lands

Shannon County, South Dakota

Endnotes

Appendices

Appendix A. About the Data

Appendix B. Tables

Download Complete Publication (30MB)

More on Taking Stock information on Twitter #RuralFacts


To purchase a physical copy of Taking Stock for $26, click on the Amazon link.

Press Conference: On December 6, 2012, HAC hosted a press conferenceto announce the publication ofTaking Stock, HAC’s detailed report on Rural People, Poverty, and Housing in the 21st Century. Access an archived recording of the webcast here.

All Files are in PDF format and require Adobe Acrobat Reader.

Questions? Contact Dan Stern at HAC, dan@ruralhome.org, 202-842-8600.

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