TO: President-elect Biden and Vice President-elect Harris. Congratulations on your victory. As you take office, we urge you to address the pressing need for decent housing in rural America
A recent Wall Street Journal article noted, “Fewer homes are being built per household than almost any other time in US history, and it is even worse in rural areas.” As a result, in some rural communities, economic growth is impeded not by the lack of jobs but by the lack of housing for workers. Some 1.5 million occupied rural units are substandard, more than 30% lack running water and the situation is even worse in Native Communities. . According to the most recent National Agricultural Workers Survey, 33% of all farmworkers and 45% of migrant farmworkers live in crowded dwellings.
Here are six things you can do to improve housing in our nation’s small towns and farming communities:
Double Direct Homeownership Loans for Low-Income Families to $2 billion: this will provide almost 15,000 home mortgage loans to low-income families, including 6,000 very low-income families.
Increase Mutual and Self Help Housing to $75 million: Mutual Self-Help Housing is the only federal program that combines “sweat equity” homeownership opportunities with technical assistance and affordable loans for America’s rural families. This funding will provide some 6000 low-income families the opportunity to build their own home.
Provide $1 billion to preserve existing rental housing in and revitalize new construction of rental housing in rural America. This will address the documented need to preserve the existing USDA housing portfolio as well as address the pressing new for new affordable rental housing in rural America.
Provide appropriations for rental assistance for low income families An estimated 18.5 percent of residents — 72,000 households — of USDA rental housing do not receive rental assistance from USDA, HUD or state sources. All are low income with annual income of only $13,500; the vast majority pays more than 30% of income for rent. The approximate cost for this increase totals $350 million;
Improve Housing Conditions for Agriculture Workers: Provide $60 million in section 514 loans and $20 million in section 516 grants. Section 514 and 516 are the only federal programs that provide affordable loans and grants. There are approximately 3 million migrant and seasonal farmworkers in the United States. According to the most recent National Agricultural Workers Survey, 33% of all farmworkers and 45% of migrant farmworkers live in crowded dwellings. Moreover, farmworkers and their families also suffer from poverty. 61% of farmworkers earn incomes below the poverty line.
Increase Financing for Rural Water and Waste Water Facilities: By providing $3 billion in loans and $1.6 billion in grants for financing for water and waste water facilities in small communities will address the backlog of applications on hand at USDA and finance close to 1,000 facilities that will improve water quality and waste disposal in small towns and farming communities across rural America.
Congratulations and best wishes
 Raice, Shayndi. “Rural America Has Jobs. Now It Just Needs Housing.” Wall Street Journal May 30, 2018. https://www.wsj.com/articles/scarcity-of-housing-in-rural-america-drives-worker-shortage-1527672602
 “National Agricultural Workers Survey.” January 2018. https://www.dol.gov/sites/dolgov/files/ETA/naws/pdfs/NAWS_Research_Report_13.pdf
Dec 21, 2020
The House just released the FY 21 Omnibus Appropriations/ COVID relief bill. The bill is more than 5000 pages long. The COVID package did not include any funding for rural development.
FY 21 Highlights
The House and Senate Agriculture Bills were relatively close in appropriations recommendations and the conference agreement reflects that. One of the few areas of disagreement was rental assistance and vouchers. The House included the total for vouchers in the rental assistance account, as proposed by USDA. The Senate did not and prevailed in conference.
Most programs continue at the FY 20 level, which, of course, is billions of dollars above the budget agreement.
See the table below for details
Highlights of the COVID Package
The bill provides $25 billion of rental assistance to low income tenants. It also extends until the end of January 2021 a moratorium on evictions and foreclosures, which Biden administration may extend again. The Treasury Department would be responsible for dispersing the rental assistance to states via a formula based on population. Landlords and building owners can apply on behalf of tenants meeting the eligibility requirements, generally those who make less than 80% of median income in their area, have at least one person in their households who has lost a job and can demonstrate they are at risk of losing their home.
- $ 3 billion in emergency assistance grants to CDFIs;$1.25 billion to be made available within 60 days of enactment; $1.75 billion in CDFI emergency assistance target to low income minority communities;
- $9 billion in a new CDFI capital investment program targeted to Minority Depository Institutions.
Low Income Housing Tax Credit
- Establishes a 4% permanent floor on certain LIHTC projects;
New Markets Tax Credit
- 5 year extension (2021-2025) of NMTC at $5 billion in annual allocation authority.
Final Rural Housing and Development Appropriations for Fiscal Year 2021
In California, the ongoing housing crisis has made it hard for local and regional governmental authorities to combat and counter the spread of the Covid-19 pandemic. Crowded and substandard housing make individuals more susceptible to the spread of Covid-19 which is an airborne illness. The shortage of housing, strict zoning laws, high poverty have led to an increase in homelessness with people out on the streets or living in their cars and an increase in Covid-19 infections. Shelters are often overcrowded and less able to enforce social distancing.
In the city of Oakland California they have gotten roughly 1000 unsheltered (homeless) people off the streets and state supported hotel rooms or trailers. Oakland Mayor Schaff has extended the eviction moratorium to non-commercial renters as long as the city has declared locally a state of emergency. The eviction moratorium does not address the underlying problem: the lack of available housing is the direct result of income and wealth. To better combat the lack of housing California must first address the income inequality in the state.
The pandemic in California started in more afluent communities but it is now making its way into California’s most vulnerable and less affluent communities such as essential workers, immigrants and the homeless population.
Through June 30, 2020 California affordable housing total $170 million, accounting for 12,300 new and renovated units.While California has found housing for 15000 homeless individuals, the homeless total in the state is 100,000. Yet, local leaders indicate that the crisis has not abated; this economic crisis, and health crisis increasing homelessness. The combination of high housing costs and low incomes increases the likelihood of homelessness
The video can be found here.
Below are some photos of happy homeowners.
Eleele Iluna Subdivision, Kauai, Hawaii
Self-Help Housing site in Woodlake, CA
Community Action Team, St. Helens, Oregon.
Community Action Team signing a Self Help rehab project contract with a client during COVID-19.
Pokai Bay Self-Help Housing Project
Pokai Bay Project, Honolulu
Executive Director Job Posting March 2020
After 40 years the Executive Director of FNPH is retiring. The Board of Directors with the assistance of the Executive Director will be conducting a thorough search to fill the position. The history, mission and role in the organization is described in more detail below.
This is an exciting opportunity for an individual with the skills and experience to build on a legacy and work collaboratively with a passionate Board of Directors to strategically plan the next phase of growth and development looking at the mission of the organization and creating a long term vision for FNPH.
History and Mission of FNPH:
Florida Non-Profit Housing, Inc (FNPH) is the successor organization of the American Friends Service Committee’s (AFSC) Florida Migrant and Seasonal Farm Worker Housing effort. AFSC organized 5 nonprofit housing corporations by acquiring sites, recruiting self-help applicants and using this early development to gain approval of section 523 Technical Assistance (TA) grants. AFSC then began providing technical assistance and training to these Self-help grantees within the State of Florida in the early 1970’s.
In 1978, FNPH was formed and took over this important effort from AFSC. A statewide meeting was convened to address mutual concerns. That meeting was attended by rural development state district and county personnel, all grantees and FNPH staff. The initial goal was to provide farm worker housing throughout the State of Florida, through the provision of Technical Assistance and Training (TAT) to nonprofit housing providers.
Today the primary goal is still the same. FNPH provides technical assistance and training throughout the Southeast Region of the US. There are two divisions of FNPH: Farm Worker Housing and Self-Help Housing.
Farm Worker Housing:
FNPH is funded by the U.S. Department of Labor as “Lead Agency” for the Southeast Housing Consortium (SEHC). As Lead Agency, we monitor and provide assistance to DOL funded agencies in Delaware, Florida and Mississippi.
On a statewide basis, FNPH
provides technical assistance and training to nonprofit housing corporations
and units of governments to develop, own and manage housing for farm workers.
We assist agencies in leveraging other sources of funds to lower the mortgage
from the primary lender, Rural Housing Services (e.g., HOME, SHIP, CDBG, etc.).
Self Help Housing:
Since 1980, FNPH has provided technical assistance and training as a Regional Contractor for the Rural Housing Service’s Section 523 Mutual Self-Help Housing Technical Assistance Grant Program. The primary purpose of this contract is to provide management and fiscal training, as well as technical support, to operating, new and potential Self-Help Housing Grantees.
Summary of the Role:
The Executive Director is responsible for the formulation and interpretation of organizational policies and providing overall direction of the organization within guidelines set up by the FNPH Board of Directors. The Executive Director plans, directs and coordinates operational activities at the highest level of management with the help of program directors and staff specialists. Work is performed under the general direction and support of the FNPH Board of Directors through meetings, discussion and analysis of reports and updates.
Essential Duties and Responsibilities:
Reporting to the Board of Directors, the Executive Director (ED) will have overall strategic and operational responsibility for FNPH staff, programs, expansion, and exaction of its mission. S/he will initially develop deep knowledge of our service area, core programs, operations, and business plans.
- Develop and maintain effective collaborative relationships with appropriate local, state, and federal agencies, which have direct or indirect responsibilities to very low, low and moderate income population. Similarly develop and maintain effective collaborative working relationships with the agencies FNPH provides technical assistance and training.
- Responsible for planning, organization, and direction of the organization’s operations and programs with the DOL and USDA.
- Provides leadership to and manages the efforts of staff to ensure appropriate support of each funding source.
- Retains a diverse, highly qualified staff by providing career coaching, growth, and personal development of employees.
- Ensure ongoing programmatic excellence, rigorous program evaluation, and consistent quality of finance and administration including investment management, fundraising, communications, and systems; recommend timelines and resources needed to achieve strategic goals.
- Ensure effective systems to track progress and regularly evaluate program components to measure successes that can be effectively communicated to the board, funders, and other constituents.
- Expand revenue generating and fundraising activities to support existing program operations and future growth and expansion.
- Expand and refine all aspects of communications – from web presence to external relations with the goal of creating a stronger brand.
- Begin to build partnerships in new markets; publish and communicate program results with an emphasis on the successes and accomplishments.
Education and Experience:
- Graduation from an accredited college or university with a Bachelor’s degree. Master’s degree preferred in Public Administration, Business Administration or a related field.
- A minimum of seven (7) years or progressively responsible management level experience in a not-for-profit management position with proven success developing and operationalizing strategies that have taken an organization to the next stage of growth.
- Additional experience in one
or more of the following areas preferred:
- Rural Housing
- Housing Finance
- Property Management
- Unwavering commitment to quality programs and data-driven program evaluation.
- Excellence in organizational management with the ability to coach staff, manage, and develop high-performance teams, set and achieve strategic objectives, and manage a budget.
- Past success working with a board of directors with the ability to cultivate existing board member relationships.
- Strong marketing, public relations, and fundraising experience with the ability to engage a wide range of stakeholders and cultures.
- Strong written and verbal communications skills; a persuasive and passionate communicator with excellent interpersonal and multidisciplinary project skills.
- Action-oriented, adaptable, and innovative approach to business planning.
- Ability to work effectively in collaboration with diverse groups of people.
- Passion, integrity, positive attitude, mission-driven, and self-directed.
This position requires frequent travel up to 30% of the time, by both air and ground transportation. Must be able and willing to travel by air and/or drive to other sites and stay overnight or multiple nights in a hotel.
While performing this job, one is required to use hands and fingers for computer and telephone, talk and hear, as well as stand, walk, drive and travel. Lifting between 5 – 15 pounds is necessary.
Reasonable accommodations may be
made to enable individuals with disabilities to perform essential functions of
What we offer:
FNPH provides a competitive salary, generous employer paid health, welfare and retirement benefits along with generous time off including vacation time, sick and holiday pay.
To apply for this position please send your resume, with a thoughtful cover letter stating the reason you are applying for the job and what you will bring to the organization in terms of knowledge and experience. Please include your salary requirements in your cover letter. Applications without a cover letter and salary requirements will not be considered.
This position is posted on Indeed.com and all interested applicants should apply through Indeed.
Deadline for applications: Friday, April 3, 2020 at 5:00 pm Eastern Standard Time. Only candidates of interest will be contacted. We thank you in advance for your interest in FNPH.
A criminal background check and drug screen will be conducted once an offer of employment has been extended. Any employment offer will be contingent upon the results of these screenings.
FNPH is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national original, veteran or disability status.
It is the 50 year anniversary of People’s Self Help Housing PSSH (PSSH). PSSH has been working to increase the availability of affordable housing in California’s central coastal area since 1970. PSSH’s mission is to help low income families build and purchase their own homes while also providing affordable rental housing.
PSSH started with the help of a group of local citizens and community leaders who wanted to tackle the shortage of available low income housing. These concerned citizens and community leaders were able to address the lack of low income housing after the Fair Housing act of 1968. PSSH was founded in 1970 with Jeanette Duncan leading the way as founder and President/CEO.
Over the last 50 years PSSH has helped build 1200 homes in the central coastal area of California through Mutual Self Help housing. PSSH was one of pioneering organizations that employed this innovative approach to help low income families get the home of their dreams. The Mutual and Self Help Housing program is funded through the U.S. Department of Agriculture and is the only federal program where sweaty equity is used in combination with affordable loans and technical assistance. Families that are helped by this program work nights and weekends to provide 65% (or 1,000 hours) of the construction. Nationally families that participate in Mutual Self Help Housing are able to earn on average $18,215 in equity, decrease construction costs and make lasting investments. The hours the family puts in not only reduces the overall construction cost for the family but most times it gives them a better appreciation for their home. It also allows them to learn the construction process necessary to build a sound home.
PSSH also helps build affordable housing complexes for farm workers and their families. People’s Self- Help Housing owns and manages over 1,900 rental units in California. With that they are able to provide low cost, comfortable housing units to over 5,000 individuals and their families. Canyon Creek is one example of PSHH’s efforts to not only increase the supply of affordable housing but also provide important services. PSSH has established a learning center and health screen clinic at the development. This provides the 69 farmworker families who reside at Canyon Creek access to important health and education resources. People’s Self- Help Housing has also helped many families and their children by offering site based programs such as after school tutoring and college prep. Thanks to these programs PSSH has made it possible for many young adults to be the first ones in their family to attend college.
Today, John Fowler leads PSSH. Throughout these 50 years PSSH has made access to affordable housing more available and has helped many low income communities and families prosper while also allowing them to have place that they can call home.
In September 2019 Elizabeth La Jeunesse, Alexander Hermann, Daniel McCue and Jonathan Spader of the Joint Center for Housing Studies of Harvard University, authored the paper
Documenting the Long-Run Decline in Low-Cost Rental Units in the US by State. In this paper the researchers sought to answer the following questions: “1) has the number of low-cost rental units indeed declined since 1990, and if so, by how much? 2) Over which periods of time did this decline take place? And 3) are there any differences in the size and timing of losses across US states?
The study conducted by the research team at the Joint Center found that for every 100 low income renter households there are only 58 affordable housing units available for them to rent. Overall from 1990 to 2017 the number of rental units available for $600 per month or less declined by 4.0 million units. A monthly rent of $600 is the maximum an individual making $24,000 can afford. This decline is in stark contrast to the 10.9 million overall rental stock growth over the same time period.
The steepest decline in low income housing availability occurred during the 2012-2017 time period. During this 5 year period the amount of rental units available for less than $600 dropped from 14 million to 11 million units. The share of affordable rental housing stock also dropped from around 40% to just 25% during this 5 year period.
Even though there are some variations in losses of rental units in all 50 states all states saw a decline in units. A total of 27 states and the District of Columbia saw almost a 1/3 loss in rental units for less than $600 dollars per month between 1990 and 2017. Only 16 states between the years of 1990 and 2017 saw less than a 20% decline in rental unit shares for less than $600 dollars a month. This decline in readily available affordable rental housing means that more and more low income individuals compete for fewer and fewer low cost rental units.
While the report does not address
rental housing in rural America, other, previous Joint Center reports document
the lack of affordable housing in small towns and farming communities. Rental housing where it is
available, often costs too much.: 41 percent (5 million households) of rural
renters are cost-burdened, meaning they pay more than 30 percent of their
income for housing costs, and 21 percent (2.1 million households) of rural
households that rent pay more than 50 percent of their income for housing.
 Harvard Joint Center for Housing Studies, “America’s Rental Housing.” 2017. http://www.jchs.harvard.edu/sites/default/files/harvard_jchs_americas_rental_housing_2017_0.pdf
By Bob Rapoza, NRHC Executive Secretary
We read with great interest the recent report by NBC News “Rats, roaches, mold: Under USDA’s watch, some rural public housing is falling apart.” The families profiled in the article are living in a terrible situation that must be remedied, and Washington policymakers must take action to ensure other families aren’t put in similar situations in the future.
NBC News correctly notes that a 2016 USDA report estimated that $5.596 billion is needed just to preserve the agency’s rental housing over the next 20 years. In recent years, USDA budgets have not only sought to eliminate programs designed to finance new developments and repair and preserve USDA-financed multifamily housing, but also proposed to terminate other rural housing programs –for homeownership, repairing existing housing, and financing for housing for migrant and seasonal farmworkers.
While Congress has repeatedly rejected theses budget cuts, USDA’s leadership has persisted, proposing budget cuts and policies that result in fewer field staff, fewer local offices, and diminished organizational capacity, thereby undermining the administration of rural housing programs and delivery of housing assistance to rural families.
Years of declining investment in the renovation of existing housing and construction of new housing in small towns and farming communities has resulted in a housing deficit. According to U.S. Census data, between 1999 and 2008, the average annual production of new single-family houses in non-metro areas totaled 221,000. In the period 2009 to 2017, average production fell to just 68,000 per year.
Where housing is available, it is apt to be in poor condition. Of the 25 million units located in rural and small communities, over 5 percent, or 1.5 million, of these homes are considered either moderately or severely substandard, due to the lack of funding for repairs and renovations and local economic conditions. What’s more, a recent report by the Harvard Joint Center for Housing Studies found that 41 percent of rural renters, or 5 million households, are cost-burdened, meaning they pay more than 30 percent of their income for housing costs, and 21 percent (2.1 million households) of rural households that rent pay more than 50 percent of their income for housing. This means that rural families are often forced to make impossible tradeoffs between paying rent and covering their other basic needs.
By any measure, much of rural America has still not recovered from the great recession. According to the USDA’s Economic Research Service, since 2007, rural median income has averaged 20 percent below the urban median income. Over 15 percent of all rural counties, which accounts for more than 300 counties nationwide, are persistently poor, with at least 20 percent of the population living in poverty for the last 30 years.
Rural Housing programs have been under attack from both the current and previous Administrations. Congress has signaled time and again that it will not go along with the wrongheaded and clearly failing policies proposed by USDA. In particular, the Agriculture Appropriations bill passed by the House of Representatives (H.R. 2522) rejects proposed rural housing program eliminations and provides modest increases in programs designed to increase affordable housing resources for rural families. The House bill is a good first step, but much more needs to be done to improve conditions in existing rental housing and to add to the stock of decent, affordable housing in rural America.
USDA’s leadership talks about supporting ‘rural prosperity,’ but ignores the lack of decent housing in rural America and strategies and programs designed to improve housing conditions in small towns and farming communities. We often tell USDA officials that they have a success story on their hands: providing mortgages so low-income families can own their own homes; helping families gain equity in their homes through mutual self-help housing; housing some of the poorest families in America in decent, affordable rental housing; and providing grants to low-income seniors to repair a roof or furnace–this is the picture of success.
The drive to curb government spending has resulted in limited housing choices for rural families and communities. The sad, disgraceful story described in Florida is an example of the neglect of rural America by the federal government. This unfortunate situation should be a reality check for Congress and the Administration—it is time for them to invest in rural America and USDA’s housing programs.
NRHC Turns 50
The Annual Meeting of the National Rural Housing Coalition (NRHC) is scheduled for December 4, at 10 AM at Inter-American Dialogue, 1155 15TH St NW, Suite 800, Washington DC. The NRHC board will meet immediately afterwards. NRHC will also hold a reception on Capitol Hill on evening of December 3. More information on that is forthcoming.
The meeting marks the 50 year Anniversary of the NRHC. The original by-laws for the Coalition were adopted on October 31, 1969. NRHC was incorporated in the District of Columbia on December 17, 1969. Among the signers on the articles of incorporation: Clay Cochran and Jim Hightower who was the first NRHC employee and who did the work in pulling the original board together as well as the paperwork involved in establishing NRHC.