Many residents of the Inland Empire earn below what is needed for housing

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SE Williams | Black Voice News

The message was retweeted 94,000 times when Kate posted on Twitter earlier this year: “I’m paying $ 1,400 a month in rent because the bank said I couldn’t pay a $ 950 mortgage. “..

Kate’s post reflects an affordable housing crisis that is forcing households to move into high-rent housing to prevent them from becoming homeless and pushes households to the limit of the process.

There is a strong irony in the perception that many low- and middle-income workers who do not qualify for mortgages are forced to pay exorbitant rent. The rules of the Ministry of Housing and Urban Development state that it should not exceed 30% of household income. [30 Percent Rule] Must spend on mortgage / rent.

There remains a misconception that most low income / minimum wage workers are teenagers. However, only about 20% of hourly workers are under 25, and less than half are paid below the federal minimum wage. The percentage between 25 and 34 is over 23%, a trend that has been relatively constant over the past decade.

California’s minimum wage continues to rise gradually, reaching $ 15 an hour by 2023, but it is of little use in today’s high rental prices. And by 2023, the minimum wage will certainly be $ 15.

In 2020, the US Low Income Housing Union (NLIHC) Out of Reach, dramatizing a story that existed long before the deadly coronavirus hit the American coast. How millions of Americans, including many in the interior, will pay rent next month, I am still seriously concerned.

The effects of COVID-19 only exacerbate the already unsustainable dilemma.

Joe and Kenyatta Benjamin of San Bernardino have two sons, 23 and 31. One is a part-time student and the other is a medium-paying job working full time. Like many young people in the neighborhood, her sons Anthony and Meki want their own accommodation, but even if they add up their income, they cannot afford to share an apartment as roommates. Both remain single and have no children.

“By the time I reach Anthony’s age [31 years old], My wife and I were married and we were ourselves. Do our sons want to leave home and have their own home? Of course, the economy will improve or the rents will go down. I do not know what to do. “

Apartments for rent (Source: istock.com). Many young people in the area want their own accommodation, but even with roommates they cannot afford to pay high rent.

Without the Parents’ Home Sanctuary, Anthony and Meky would make up 17.3% of residents in San Bernardino County, where affordable housing options are limited. Returned.

However, Anthony and Meki are lucky. What about residents who support their families on such salaries?

The NLIHC report nationally points out that minimum wage workers need to earn $ 23.96 an hour to comfortably rent a two bedroom. On January 1, 2021, the California minimum wage was raised to $ 14.00 an hour. This is 41.6% less than the amount required to buy a two-bedroom home.

People at the bottom of the income scale are not the only ones suffering from housing costs. Suppose an individual in San Bernardino County earns an average of $ 902 per week (about $ 22.55 per hour / 40 hours per week). Even with this level of income, an individual has to work 61 hours per week to purchase one-bedroom accommodation from the current Department of Housing and Urban Development (HUD). The above rules.

Map (Source: blackvoicenews.com, created by data analyst Alex Reed)Employment and Housing Considerations by County
Hours of work required to pay for affordable housing.

The HUD defines the 30% rule as a standard indicator of the affordability of homes in a country. “Keeping housing costs below 30% (of total income) is to ensure that households have enough money to pay for other non-discretionary costs. »Non-discretionary costs include Includes essential items such as food, utilities, transportation, medical care and clothing.

To further dramatize the importance of this threshold, HUD officials say:[P]Politicians believe that households that spend more than 30 percent of their income on housing will be burdened by housing. ”

An evolving watch (Source: istock.com).

In Riverside County, the working hours required to purchase a one-bedroom home are slightly less than the 56 and 61 hours in San Bernardino County.

Analysis result In 2018, 41.3% of residents in San Bernardino County were classified as having a high housing burden, compared to 42.8% in Riverside County.

As the country emerges from the COVID-19 pandemic, California’s homeless crisis continues to worsen, the housing shortage continues, and the currently available housing stock remains very out of reach.

There is a dearth of affordable housing available for low-income households with incomes below the poverty lines or below 30% of the average income in the region.

Percentage of households with late housing payments by race (Source: Consumer Financial Protection Bureau). Black and Hispanic families more than twice as likely to report home payments as white families

In addition, as of March, the National Consumer Financial Protection Bureau, more than 11 million families are at risk of losing their homes. This includes nearly 2.1 million homeowners who are over 90 days in arrears and are likely to face serious financial hardship when the state’s housing moratorium ends and payments resume. I go.

At the end of the state’s moratorium on June 30, 9% of landlords said they were likely evacuated and 28% of manufactured homes reported overdue payments. In contrast, 12% of single-family homes are residents. Percentage of residents of small and medium-sized apartments.

Black and Hispanic families are at the greatest risk of losing their place of residence and are more than twice as likely to report late payments for their homes as white families.

When Governor Newsom signed a bill in late January to extend the groundbreaking moratorium on state evictions until June 30, he said: Financial hardship due to COVID-19. “

It was in January. Californians are only two months away from the moratorium expiration, and most of those who were vulnerable in January are still vulnerable today, but lawmakers remain silent on future possibilities. I am.

At the beginning of the year Calmatters At the end of the moratorium, we sought to quantify the number of inhabitants of the State threatened with eviction. Hard to quantify, the numbers ranged from a low of 90,000 to a high of 700,000, depending on various variables such as unemployment benefits, stimulus packages and other measures provided by the state in January. .. Of course, the improvement in the unemployment rate should also have a positive impact.

Evacuation notice (Source: istock.com). When the Moratorium ends on June 30, 2021, it is difficult to quantify the number of residents in states at risk of eviction.

Regardless of the number, finding alternative affordable housing is difficult, if not impossible, due to the state’s housing shortage and high rents that will almost certainly rise to meet demand.

Mehki told IE Voice and Black Voice News: A lot of my friends don’t think that way. I’m old and want a place to stay, but now I know I can’t afford it.

Mekhi pursues a career as a psychiatrist, but knows that his starting salary may be at home longer than he originally wanted.

Meanwhile, as the length of the current moratorium gradually shortens, advocacy groups (and some landowners) have given the state legislature a clear path for those facing eviction in the months to come. I’m looking for a plan to define. The end of the year.

Many Inland Empire Residents Earn Below What Is Needed For Housing Source Link Many Inland Empire Residents Earn Below What Is Needed For Housing



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