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Consolidated Plan KOKOMO 1

OMB Control No: 2506-0117 (exp. 07/31/2015)

Executive Summary

ES-05 Executive Summary - 24 CFR 91.200(c), 91.220(b)

1. Introduction

The City of Kokomo is required by the U.S. Department of Housing and Urban Development (HUD) to

create a five year Consolidated Plan to outline our plans for expending our Community Development

Block Grant. The 2015-2019 Consolidated Plan was created with the input and active participation of

various service providers via community survey, internal staff meetings with various divisions and

departments, City Council input, Citizens Review Committee and feedback thru public meetings. A broad

cross-section of the community was represented in these efforts. We look forward to working with HUD,

surrounding jurisdictions and government entities, our service provider partners, the business



community and community leadership to achieve the goals and objectives established for the next five

years.

Following the downturn in economic conditions on the national, state and county levels in 2008-2009,

Kokomo has been working on addressing the problems that were created and looks forward to a re-

stabilized and improved economy during the next five years. Kokomo has made great strides in creating

more employment opportunities and diversifying business model in terms of mix of manufacturing

industries, Service sector businesses, retail businesses and educational institutions. Through the

development of new programs and use of a variety of funding sources and incentives, the City will

continue evaluating and addressing existing needs in the community.

The economic situation has created conditions that were reflected in information received from local

community leaders, agencies and organizations that were used in developing this five-year Consolidated

Plan. These sources reported on effects such as job loss, homelessness, poverty, substance abuse and

home foreclosures. They link the cycle of problems and point to reduction of funding resources as

aggravating the problems.

The City has made efforts to remedy some of these effects by aggressively pursuing business

development through outreach and new programs; working with major employers to recoup tax income

for the community that had fallen victim to business problems; administering a federally-funded

Neighborhood Stabilization Program grant to stop the deterioration of neighborhoods by returning

foreclosed-upon and vacant houses to viable housing options and providing housing for very low-income

to middle-income households; and allocating CDBG funds to assist eligible social service agencies and

organizations that serve low-to-moderate-income persons.

2. Summary of the objectives and outcomes identified in the Plan Needs Assessment

Overview

The City’s Five Year Goals, Objectives and Related Outcomes are outlined in the table at Section SP-45

and are based on grant funding at 2014 levels for each year. Both the Consolidated Plan and the Annual

Action Plan documents will be adjusted as annual grants are awarded. These goals, objectives and

outcomes were selected based on community priorities, prior years’ performance evaluation, the needs

assessment and the housing market analysis.

As the City looks to the future, it remains optimistic about Kokomo’s quality of life. Kokomo has invested

heavily in quality of life improvements, especially in the downtown area where there is a high

concentration of low-income population. It continues to aggressively pursue affordable housing and

neighborhood improvement initiatives that will address HUD’s three basic goals of providing decent

housing, a suitable living environment and expanding economic opportunities for low- to moderate-

income residents.



The City will continue using CDBG funds in low- to moderate-income target areas. Funds for some CDBG

programs will be focused primarily in these neighborhoods, while other programs will be city-wide.

Revitalization of these areas will help support a safe and viable community for neighborhood

residents. The Exterior Rehabilitation Program will make a major visual impact and improve the quality

of housing stock in the areas. Blight removal will be instrumental in ridding the area of blighted and run-

down properties. Infrastructure improvements, including reconstruction of sidewalks for handicap

accessibility, continue to benefit not only the residents of these low to moderate income

neighborhoods, but also allow for connectivity between neighborhoods and nearby amenities.

To help maintain a strong economy, increase job opportunities and help create economic opportunities,

the City will continue to pursue new initiatives and strongly support the revitalization and sustainability

of the downtown central business district. Kokomo has recently constructed the Industrial Heritage trail

and downtown parking garage with residential apartments on the upper level, in order to attract more

businesses to the downtown area. So far, the results have been very promising. A software developer

has already announced plans to bring 240 high paying jobs to a downtown location and number of retail

business like a few restaurants and a bakery have opened up in downtown area. Many locally funded

incentives, which are currently in place, will continue to be used with Kokomo’s CDBG funds to create a

noticeable impact in this low to moderate income area.

Economic development programs offered through the City include:

Economic Development Assistance to For-Profit

A number of programs aimed at assisting for-profit businesses include loan and grant programs.

Additionally, Economic Development Income Tax Funds are also often used to make flexible grants and

loans tailored to individual businesses.

Micro-Enterprise Assistance

A limited number of programs for Micro-Enterprise Assistance are available, mostly through a low-

interest Revolving Loan Fund financed through a USDA grant.

Other Economic Development

The City offers a variety of other programs, including the Technology and Industry Revolving Loan

Fund and tax abatements.



Census Tracts - Kokomo

3. Evaluation of past performance

Approaching the start of a new five-year strategic plan, the City continues providing a significant amount

of assistance to lower-income residents and neighborhoods. The outcome-based performance

measurement system has proven to be a useful tool for gauging the effectiveness of our programs and

improving the decision-making process.

Coming to the end of the 2014 fiscal year, the Kokomo Emergency Home Repair Program had assisted

92 homeowners with electrical upgrades, furnace replacements and roofing repairs, at cost of $547,368.

Of the owners assisted, 24 percent were minority, 48 percent were female head of household, 38

percent were disabled, and 31 percent were elderly.

In 2007, the new CDBG Exterior Home Improvement Program was started, covering from 90 to 100

percent of the cost depending on the household’s income. From 2010 through 2014, 32 projects were

completed with $392,829 in CDBG funds. Of the owners assisted, 32 percent were minority, 21 percent

were female head of household, 13 percent were disabled, and 42 percent were elderly. Housing

activities typically represent about 25 to 30 percent of an annual budget.



In addition to its CDBG program, the City of Kokomo’s Department of Development continued its

Neighborhood Stabilization Program with the NSP1 and NSP3 grants. The City received $2,181,088 for

NSP1 and $1,014,327 for NSP3. Under the NSP1 program, foreclosed and/or abandoned and vacant

houses were purchased and rehabilitated for sale to persons at or below 120% AMI (middle-income). By

the end of the 2011 grant year, all of the 14 NSP houses were rehabilitated and sold. In 2012, additional

NSP1 funds were set-aside for demolition/clearance of the blighted and abandoned Kingston Products

Factory at 1495 N. Webster Street. This NSP target area location saw the development of Kingston

Square, a Low Income Housing Tax Credit and multi-family affordable housing project. By the end of

2013, the construction was completed, and the project developer now reports that all 68 units have

been rented.

In looking at both citizen requests and in-house assessments, the City continues to address its strategic

plan’s priorities for non-housing community development needs, including infrastructure

improvements. In 2010, Gerhart and Market Street sidewalks were reconstructed at the cost of

$416,765. In 2011, Courtland-Kirk-Webster-Preble street reconstruction was completed at the cost of

$376,399. In 2012, Appearson Way and East Jackson Street reconstruction was completed at total cost

of $743,477. In 2013, in support of new Senior Housing Residences at Washington Street, sidewalks and

street improvements were made on Buckeye and Washington Street at the cost of $304,461.

Additionally, the Neighborhood Blight Removal Program has been effective in demolition of unsafe and

blighted structures. Since 2010, $264,809 has been expended for this program to keep neighborhoods

safe and sustainable. The City increased its funding of public facilities/improvements in a low-income

area (Carver Community Center); at a City park to provide improved access for physically challenged

individuals (Foster Park); housing for veterans (Jackson Street Commons); and for facilities providing

social services to low-income and abused individuals (Family Service Association and the FSA Domestic

Violence Shelter). In 2014, the City also provided funding to Howard County Medical Society (Project

Access) which provides financial assistance with medical co-payments to low-income individuals.

4. Summary of citizen participation process and consultation process

Public hearings were held to address housing and community development needs, obtain citizen views,

respond to proposals and questions, and review proposed activities and program performance. At least

one hearing was held to obtain citizen views and comments to aid in the development of potential

projects. A second hearing allowed citizens an opportunity to comment on proposed

projects. Residents were notified of all public hearings and announcements via newspaper

advertisements and by media release. These advertisements were published in the local press at a

minimum of one or two weeks prior to the date of the hearing and contained sufficient information to

permit informed comment. Every effort was made to hold the hearings at times and places convenient

to potential or actual beneficiaries and with accommodations for the handicapped. Provision for and

encouragement of citizen participation emphasizes participation by persons of low and moderate



income, including the Kokomo Housing Authority and their residents in public and assisted housing

developments, by public notification and by the location of public hearings. Public hearings were held at

handicap accessible locations, and other accommodations were made as needed and reasonable. An

interpreter would have been obtained for a public hearing if there were reasonable expectation that a

significant number of non-English speaking residents would participate. To help determine which

Community Development Block Grant (CDBG) projects would be implemented to address identified

needs in the jurisdiction’s Consolidated Plan, a Citizens Review Committee (CRC) met to review all

proposed projects.

Citizens were provided with adequate, reasonable and timely access to local meetings, information and

records relating to the grantee's proposed use of funds, the Consolidated Plan and assistance provided.

Legal Notices were published in local newspapers of general circulation, making a summary of the

Consolidated Plan available for inspection and comment. The Notice of Availability provided for a

comment period of not less than 30 days, and also indicated that a copy of the proposed Consolidated

Plan were available in the Department of Development, Third Floor, City Hall; at the public library and

on the City's website . Citizens were encouraged to submit comments in person, in writing or by

phone. Persons submitting written comments, complaints and grievances would receive a written

response within 15 working days. The City staff discussed past performance in public meetings,

and made all performance reports available for public inspection by publishing a Legal Notice of

Availability, with a comment period of not less than 30 days. The jurisdiction would consider any

comments or views on past performance, and a summary of these comments or views would be

attached to the performance report before it is submitted.

Dates of the public hearings were: February 11 and March 25, 2015. Display ads announcing the public

hearings were published in the Kokomo Tribune on January 28, 2015 and Kokomo Herald on January 29,

2015. A Media Advisory and Notice of Public Hearings/Meetings announcing the public hearings and

Citizens Review Committee were sent to Kokomo media sources on January 28, 2015. Meeting dates

and times were publicized on the City’s website. Legal ads summarizing the consolidated plan were

published in the Kokomo Tribune and in the Kokomo Herald on April 1, 2015. These ads included

information on viewing and commenting on the Consolidated Plan during the 30 days comment period

from April 1, 2015 to April 30, 2015. Technical assistance was provided to individuals and organizations

by helping them complete applications with the information needed.

5. Summary of public comments

The draft form of this Consolidated Plan was available for 30 days for public comment beginning April

01, 2015 and ending on April 30, 2015. Draft copies of the document were available in the Department

of Development office at the City Hall; at Kokomo Public Library downtown location and on the City's

website, for comments. No comments were received.



6. Summary of comments or views not accepted and the reasons for not accepting them

Not Applicable.

7. Summary

The City of Kokomo is committed to create attractive communities to live, work and prosper while

preserving its diversity of affordable housing and services for all of its residents. The City of Kokomo is

also focused on elimination of blighted properties and making neighborhoods more secure and

sustainable. The City will remain focused on betterment of older neighborhoods and keeping

communities affordable to residents at all income levels.



The Process

PR-05 Lead & Responsible Agencies 24 CFR 91.200(b)

1. Describe agency/entity responsible for preparing the Consolidated Plan and those

responsible for administration of each grant program and funding source

The following are the agencies/entities responsible for preparing the Consolidated Plan and

those responsible for administration of each grant program and funding source.

Agency Role Name Department/Agency

CDBG Administrator KOKOMO Department of Development

Table 1 – Responsible Agencies

Narrative

The lead agency overseeing the development of the plan was the City of Kokomo’s Department of

Development. This department also is the agency responsible for administering programs covered by

the consolidated plan.

Agencies, groups and organizations consulted during the plan’s development included the following,

some of which serve persons in more than one needs category:

Public Housing and Affordable Housing - Kokomo Housing Authority, Briarwick Apartments, Fox Acres

Apartments, Friendship Haven, Jefferson Crossing, Kokomo Manor, Kingston Square Apartments,

Lincolnwood Cooperative, Residences at Washington Street, Vinton Woods Apartments, Habitat for

Humanity

Health and Lead - Howard County Health Department, Kokomo Housing Authority

Special Needs - Bona Vista Rehabilitation Services, Howard Regional Behavioral Health System, St.

Joseph Hospital Behavioral Services, Family Service Association Domestic Violence Shelter, Gilead House

Elderly - Howard Haven Residential Center, Senior Citizens Center

Homeless and Chronically Homeless - Kokomo Rescue Mission, Coordinated Assistance Ministries

Youth – Very Early Childhood Education Center, Kinsey Youth Center, Head Start Early Learning Center

City of Kokomo – Department of Development, Building Inspector, Engineering Department, Parks and

Recreation Department



Other - United Way of Howard County, Information and Referral of United Way, Vocational

Rehabilitation, Veterans Service of Howard County, Kokomo-Howard County Plan Commission.

Consolidated Plan Public Contact Information

Jennifer Jordan, Director of Development, 100 South Union Street, Kokomo, IN 46901 Ph: 765-456-7375

Pritesh Shah, Development Specialist, 100 South Union Street, Kokomo, IN 46901 Ph: 765-456-7375

Steve Geiselman, Planner, 100 South Union Street, Kokomo, IN 46901 Ph: 765-456-7375



PR-10 Consultation - 91.100, 91.200(b), 91.215(l)

1. Introduction

The lead agency overseeing the development of the plan was the City of Kokomo's Department of

Development. This department also is the agency responsible for administering programs covered by

the consolidated plan. Kokomo has reached out to all the agencies and organizations that are engaged in

providing essential services such as housing, shelter, health and mental health services, educational

services and more to residents and non-residents in Kokomo area. We have contacted these

organizations by providing structured questionnaires and tables to report their feedback. Development

department staff also provided technical assistance and made follow up calls to ensure feedback from

them.

Provide a concise summary of the jurisdiction’s activities to enhance coordination between

public and assisted housing providers and private and governmental health, mental health

and service agencies (91.215(I)).

The City worked with a wide array of organizations and existing networks to develop this Consolidated

Plan. The development of the Consolidated Plan extends beyond the formal planning process that began

in mid-2014. Each year, the city maintains and foster relationships with these organizations to work on

the Annual Action Plans and to coordinate services. More details are provided in PR-15.

The city has contacted following groups and organizations during the Consolidated Plan's development,

some of which serve persons in more than one needs category:

Public Housing and Affordable Housing - Kokomo Housing Authority, Briarwick Apartments, Fox Acres

Apartments, Friendship Haven, Jefferson Crossing, Kokomo Manor, Kingston Square Apartments,

Lincolnwood Cooperative, Residences at Washington Street, Vinton Woods Apartments, Habitat for

Humanity

Health and Lead - Howard County Health Department, Kokomo Housing Authority

Special Needs - Bona Vista Rehabilitation Services, Howard Regional Behavioral Health System, St.

Joseph Hospital Behavioral Services, Family Service Association Domestic Violence Shelter, Gilead House

Elderly - Howard Haven Residential Center, Senior Citizens Center

Homeless and Chronically Homeless - Kokomo Rescue Mission, Coordinated Assistance Ministries

Youth: Very Early Childhood Education Center, Kinsey Youth Center, Head Start Early Learning Center



City of Kokomo: Department of Development, Building Inspector, Engineering Department, Parks and

Recreation Department

Other - United Way of Howard County, Information and Referral of United Way, Vocational

Rehabilitation, Veterans Service of Howard County, Kokomo-Howard County Plan Commission.

Describe coordination with the Continuum of Care and efforts to address the needs of

homeless persons (particularly chronically homeless individuals and families, families with

children, veterans, and unaccompanied youth) and persons at risk of homelessness

Kokomo has three organizations that provide homeless shelters with supportive services: Kokomo

Rescue Mission, Coordinated Assistance Ministries and Family Service Association Domestic Violence

Shelter. They, along with representatives of other housing and service providers, are part of the Region

5 Continuum of Care network under the auspices of the Indiana Housing and Community Development

Authority (IHCDA) which gives them guidance on developing local policies and procedures and

structuring how to meet local homeless needs. Local agencies also contract with IHCDA for homeless

funds as Balance of State (BOS) applicants. Housing Opportunities for People with AIDS (HOPWA) funds

are not administered locally but by a regional agency.

Women, including those with children, may endure physical and mental abuse situations from unstable

relationships. Single women/mothers living in subsidized housing, receiving SNAP and TANF are required

to spend a certain number of documented hours seeking employment. This can be very difficult without

reliable transportation and childcare, and they can lose their benefits if they do not follow through.

Affordable or free transportation and the need for affordable childcare are concerns also echoed by

many other service providers. Kokomo has addressed the transportation need to a great extent and is

planning to expand services further to cover weekends.

Single men with very low income seem to have a network of places where they can "couch surf"

observed the Rescue Mission staff. Single Room Occupancy (SRO's) and Coordinated Assistance

Ministries (CAM) can offer alternatives to an apartment.

While there are shelter services for single women, women with children, and single men, there is a

lack of options for whole families who are homeless. To address this, CAM opened a shelter for entire

families in 2009, which combined volunteers and City of Kokomo Community Development Block Grant

efforts to develop. Since 2009, this shelter has housed 143 people and is able to maintain the integrity of

the family.

Homeless facilities have increased the capacity to serve the homeless in the past five years with new,

separate, emergency shelters for men, women and families. The increase in total capacity has

significantly decreased the likelihood of an unsheltered population from occurring. Though transitional

housing is generally available to various subpopulations by various local entities, continued assistance



from the support service providers who work with the sub-populations is needed to help break the cycle

of homelessness.

The Kokomo Rescue Mission (RM) works with the largest and most diverse groups of homeless

persons and has provided a great deal of the information for this Consolidated Plan. Much of what they

discern about characteristics and needs of homeless persons was also reported by other agencies

consulted for this plan. The predominant theme is that homelessness reveals a complex combination of

problems and needs.

The characteristics and needs of the majority of low-income people as reported by the Rescue

Mission are related to economic circumstances of their childhood which leads to a cycle of poverty.

Generational poverty and homelessness now typically affects over 50 percent of homeless women.

Forty percent of women entering the RM Open Arms shelter test positive for some type of drugs, and

homeless men have an even higher incidence of substance abuse.

Describe consultation with the Continuum(s) of Care that serves the jurisdiction's area in

determining how to allocate ESG funds, develop performance standards and evaluate

outcomes, and develop funding, policies and procedures for the administration of HMIS

The City mainly works with Kokomo Rescue Mission, Coordinated Assistance Ministries and Family

Service Association Domestic Violence Shelter. The City of Kokomo consults with each of those

entities to ensure any support needed to continue and improve services they provide. Kokomo has

assisted them and continues to assist them with CDBG funding towards their infra-structure

improvement projects and other expenses. These service providers manage their other grants on their

own but the City does have consultation with them from time to time to ascertain their needs and assist

them with their budgeting issues as the case may be. Depending upon assistance provided, the City

seeks feedback from them as to number of beneficiaries served and requires them to submit audited

financial statements at the end of financial year for monitoring purposes.

2. Describe Agencies, groups, organizations and others who participated in the process

and describe the jurisdictions consultations with housing, social service agencies and other

entities



Table 2 – Agencies, groups, organizations who participated

1 Agency/Group/Organization BONA VISTA PROGRAMS INC

Agency/Group/Organization Type Services-Children

Services-Elderly Persons

Services-Persons with Disabilities

Foundation

Neighborhood Organization

What section of the Plan was addressed

by Consultation?

Non-Homeless Special Needs

How was the

Agency/Group/Organization consulted

and what are the anticipated outcomes

of the consultation or areas for

improved coordination?

They were sent a survey form and assessment table

to project their five year needs and resources

expected. City officials have been meeting with them

frequently to assess their needs and explore ways

we can assist them with their mission. We had

consultation with Brianne Boles to seek feedback for

their needs assessment.

2 Agency/Group/Organization COORDINATED ASSISTANCE MINISTRIES

Agency/Group/Organization Type Housing


Services-homeless



by Consultation?


Anti-poverty Strategy

How was the





They were sent survey and assessment table to

project their five year needs and resources

expected. Additional follow up consultation took

place with Rev. Ruth Lawson to further elaborate

upon their input.

3 Agency/Group/Organization FAMILY SERVICE ASSOCIATION OF HOWARD

COUNTY INC


Services - Housing

Services-Victims of Domestic Violence

Services-homeless

Services - Victims

Publicly Funded Institution/System of Care

Foundation




by Consultation?

Homeless Needs - Families with children

Homelessness Needs - Veterans


How was the





They were sent survey form and assessment table to


expected. We also had meetings with their Executive

Director, Judy Dennis and Program Coordinator, Pam

Isaac to discuss their plans and budget challenges;

devise a plan that will help them continue provide

services to victims of domestic violence.

4 Agency/Group/Organization HOWARD COMMUNITY HOSPITAL

Agency/Group/Organization Type Services - Victims

Health Agency


by Consultation?

Hospital Services

How was the







expected. We had follow up discussion with Amanda

Hedrick on their input.

5 Agency/Group/Organization Center Township of Howard County

Agency/Group/Organization Type Other government - County

Other government - Local

Civic Leaders

Business and Civic Leaders


by Consultation?



How was the







expected. Follow up consultation with Gary Geist of

Center Township.

6 Agency/Group/Organization KOKOMO

Agency/Group/Organization Type Service-Fair Housing


Planning organization

Civic Leaders




by Consultation?

Economic Development


Public Service Projects

How was the





Various departments of City of Kokomo were

contacted to seek feedback on planned projects for

next five years and funding required to meet those

goals. We also had input from Councilman Tom

Miklik and Councilwoman Cindy Sanders in

formulating consolidated plan.

7 Agency/Group/Organization Kinsey Youth Center

Agency/Group/Organization Type Publicly Funded Institution/System of Care



by Consultation?

Homelessness Needs - Unaccompanied youth

Youth services

How was the







expected.

8 Agency/Group/Organization Carver Center


Civic Leaders

Low income youth center


by Consultation?

Youth center activities

How was the





They were sent survey and assessment table to


expected. Additional follow up consultation took

place with Dennis Morgan, Executive Director, to

further elaborate upon their input.

9 Agency/Group/Organization Kokomo Rescue Mission

Agency/Group/Organization Type Services-homeless

Services - Victims


by Consultation?

Homelessness Strategy

Homeless Needs - Chronically homeless





How was the







expected. Follow up discussion with Van Taylor,

Executive Director of Kokomo Rescue mission. The

City participates with Kokomo Rescue Mission's

activities, fund raising efforts and receives

continuous feedback on accomplishments and

challenges they face in day-to-day operations. The

City looks forward to assisting them with their infra-

structure improvement needs in the next five years.

10 Agency/Group/Organization Very Early Childhood Education Center


Services-Education


by Consultation?

Early Child Education Services

How was the







expected. We also had meeting with their Executive

Director, Marilyn Skinner, to discuss their long term

plans and funding situation.

11 Agency/Group/Organization Vocational Rehabilitation Center FSSA

Agency/Group/Organization Type Services-Elderly Persons



by Consultation?

Vocational Rehab services

How was the







expected.

12 Agency/Group/Organization Habitat for Humanity


Services - Housing


by Consultation?

Housing Need Assessment




How was the







expected.

13 Agency/Group/Organization United Way

Agency/Group/Organization Type Services-Persons with Disabilities

Services-Victims of Domestic Violence

Services-homeless

Services - Victims


by Consultation?

Homelessness Strategy


How was the







expected. Every year the city provides "Loaned

Associates" to assist them with their fundraising

efforts and communicates with them throughout the

year to assess their progress and explore ways we

can assist them with their mission.

14 Agency/Group/Organization Kokomo Housing Authority


PHA

Service-Fair Housing

Publicly Funded Institution/System of Care


by Consultation?


Public Housing Needs

How was the







expected. We had follow up discussion with Debra

Cook, Chief Executive Officer of Kokomo Housing

Authority. The City also have regular meetings with

them to discuss various aspects of public housing

needs for Kokomo area. They also provided detailed

information on various aspects related to public

housing strategy and their action plans to improve

services provided.



15 Agency/Group/Organization Board Of Health

Agency/Group/Organization Type Services-Persons with HIV/AIDS

Services-Health

Other government - County



by Consultation?

Lead-based Paint Strategy

HOPWA Strategy

How was the







expected. We had follow up discussions with Heidi

Simpson of Howard County Board of Health.

16 Agency/Group/Organization Briarwick Apartments


Services - Housing


by Consultation?



Market Analysis

How was the







expected.

17 Agency/Group/Organization Kokomo Manor Apartments


Services - Housing



by Consultation?



How was the







expected.



18 Agency/Group/Organization Salvation Army


Services-homeless

Services - Victims



by Consultation?

Homeless Needs - Families with children



How was the







expected.

19 Agency/Group/Organization Howard Heaven Residential Center




by Consultation?


How was the





We had consultation with Jennifer Vary of Howard

Heaven assessing needs and resources available for

next five years.

Identify any Agency Types not consulted and provide rationale for not consulting

We have made every attempt to contact and receive feedback from all agencies or organizations

that are directly or indirectly associated with services provided to Kokomo area residents.



Other local/regional/state/federal planning efforts considered when preparing the Plan

Name of Plan Lead Organization How do the goals of your Strategic Plan overlap with the goals of each plan?

Continuum of

Care

Family Service

Association, Kokomo

Rescue Mission ,

Coordinated Assistance

Ministry

City of Kokomo works with them to ensure any support

needed to continue and improve services they provide.

City has assisted them and continues to assist them with

CDBG funding and other funding towards their infra-

structure improvement projects and other expenses.

Table 3 – Other local / regional / federal planning efforts

Describe cooperation and coordination with other public entities, including the State and any

adjacent units of general local government, in the implementation of the Consolidated Plan

(91.215(l))

The City of Kokomo always seeks continuous feedback from Howard County government officials,

Kokomo Housing Authority and the Greater Kokomo Economic Development Alliance which works with

both City and County government officials in formulating and implementing the consolidated plan. Their

vital input was received by structured questionnaires, tables and personal conversation that assisted city

greatly in formulating this consolidated plan. City and county government officials have worked very

closely in development of projects in the past and continue to work together in planning and

implementing projects that serve residents of Kokomo and Howard County.



PR-15 Citizen Participation

1. Summary of citizen participation process/Efforts made to broaden citizen participation Summarize citizen participation process and how it impacted goal-setting

Public hearings was held on February 11, 2015 to address housing and community development needs, obtain citizen views, respond to

proposals and questions, and review proposed activities and program performance. At least one hearing was held to obtain citizen views and

comments to aid in the development of potential projects. A second hearing was held on March 25, 2015 allowing citizens an opportunity to

comment on proposed projects. Citizens Review Committee meeting was held on March 11, 2015 to evaluate finding applications received and

public had opportunity to provide their input. Residents are notified of all public hearings and announcements via newspaper advertisements

and/or by media release. The advertisements were published in the local press at a minimum of one to two weeks prior to the date of the

hearing and will contain sufficient information to permit informed comment. Every effort was made to hold the hearings at times and places

convenient to potential or actual beneficiaries and with accommodations for the handicapped. Provision for and encouragement of citizen

participation emphasizes participation by persons of low and moderate income, including the Kokomo Housing Authority and their residents in

public and assisted housing developments, by public notification and by the location of public hearings. Public hearings are held at handicap

accessible locations, and other accommodations are made as needed and reasonable. The Department of Development provides technical

assistance to groups representative of persons of low- and moderate-income that request such assistance in developing proposals, with the level

and type of assistance to be determined by the grantee. Citizens are provided with adequate, reasonable and timely access to local meetings,

information and records relating to the grantee's proposed use of funds, the Consolidated Plan and assistance provided. Based on feedback

received during citizens participation process, target areas for exterior home improvement program were expanded and additional funds were

allocated to public service projects in this Consolidated Action Plan.

Legal ads summarizing the consolidated plan were published in the Kokomo Tribune and in the Kokomo Herald on April 1, 2015. These ads

included information on viewing and commenting on the Consolidated Plan during the 30 days comment period from April 1, 2015 to April 30,

2015.

A substantial amendment to the Consolidated Plan will be made when the grantee decides 1) to make a 50% or more change to its allocation

priorities or the method of distribution of funds, 2) to carry out an activity, using funds from any program covered by the Consolidated Plan, not

previously described in the Action Plan or 3) to change the purpose, scope, location or beneficiaries of an activity. The grantee will provide

citizens with reasonable notice of, and opportunity to comment on, such proposed changes in its use of funds by publishing a description of the



proposed change(s) in two (2) local newspapers, with a comment period of not less than 30 days. The grantee will consider any such comments

and, if the grantee deems appropriate, modify the changes. A summary of comments or views, along with an explanation of any such comments

or views not accepted, will be attached to the substantial amendment of the Consolidated Plan. The grantee will discuss past performance in

public meetings, and will make all performance reports available for public inspection by publishing a Legal Notice of Availability, with a

comment period of not less than 15 days. The jurisdiction shall consider any comments or views on past performance, and a summary of these

comments or views shall be attached to the performance report before it is submitted.

Citizen Participation Outreach

Sort Order Mode of Outreach Target of Outreach Summary of response/attendance

Summary of comments received

Summary of comments not accepted and reasons

URL (If applicable)

1 Public Hearing Minorities

Persons with

disabilities

Non-

targeted/broad

community

Residents of Public

and Assisted

Housing

14 See Attachment N/A






URL (If applicable)

2 Newspaper Ad Minorities

Non-

targeted/broad

community

N/A N/A N/A

3 Internet Outreach Non-

targeted/broad

community

City of Kokomo

Website

N/A 0 N/A

4 City Council

members

Non-

targeted/broad

community

Email invitation for

public meetings


5 City Council

members

Non-

targeted/broad

community

Email and letter

invitation







URL (If applicable)

6 Public Meeting Minorities

Persons with

disabilities

Non-

targeted/broad

community

6 N/A N/A

7 Newspaper Ad Non-

targeted/broad

community

Consolidate Plan

Draft & FONSI

Legal

N/A 0 N/A

Table 4 – Citizen Participation Outreach



Needs Assessment

NA-05 Overview

Needs Assessment Overview

City has categorized its priorities in terms of needs and allocating investment based on information

provided by local service providers, agencies and housing providers as well as by various local

governmental departments.

Homeless and Special Needs Population

Data for this came from local service providers for the homeless.

Special Needs (Non-Homeless) Populations

Information for this came from various local agencies that provide services to special needs populations

and/or interact with other service providers for these populations. Priorities are based on the number

persons served in subpopulation categories and the severity of need/degree of incapacitation caused by

the special need.

Priority Housing Needs/Investment Plan

Local housing providers with subsidized units provided information for this, as did service providers for

non-homeless special needs persons and the City of Kokomo. The City’s priorities include CDBG projects.

Priority Community Development Needs

Priorities for this were determined primarily by information from City of Kokomo departments that

provide most of the services on this table. Input from local service providers was also used.



NA-10 Housing Needs Assessment - 24 CFR 91.205 (a,b,c)

Summary of Housing Needs

Even though Kokomo can be proud of its past rankings as one of the nation's most affordable housing

markets, housing providers and local officials still agree that a need remains for more decent, safe and

affordable housing. This is particularly true with respect to rental properties for low-income residents in

the 0-50 percent Median Family Income (FMI) range. It is generally agreed upon, and reflected in data

from the CHAS tables as well, that a much larger portion of this income group spends over 30 percent of

their income on housing costs. And although Kokomo can take a certain measure of pride in its Median

Family Income, there still remains an obvious need to increase the supply of affordable housing,

particularly for those at the lower-income levels.

The 50 percent MFI group tends to live in substandard housing as well, with a greater emphasis being

placed on the rental community. Census figures also indicate a high portion of elderly people living in

substandard units, although the city has seen a significant increase in the new construction of elderly

housing, particularly with assisted-living facilities.

Based upon contacts with the area's affordable housing providers, and from information gathered

during the Community Needs Assessment, overcrowding was not determined to be a problem or a

priority need in the community.

Demographics Base Year: 2000 Most Recent Year: 2011 % Change

Population 46,113 45,949 -0%

Households 20,239 19,797 -2%

Median Income $36,258.00 $35,211.00 -3%

Table 5 - Housing Needs Assessment Demographics

Data Source: 2000 Census (Base Year), 2007-2011 ACS (Most Recent Year)

Number of Households Table

0-30% HAMFI

>30-50% HAMFI

>50-80% HAMFI

>80-100% HAMFI

>100% HAMFI

Total Households * 3,140 2,815 4,070 1,945 7,820

Small Family Households * 1,160 999 1,465 660 3,895

Large Family Households * 250 135 165 120 665

Household contains at least one

person 62-74 years of age 395 544 710 395 1,440

Household contains at least one

person age 75 or older 195 605 835 220 750



0-30% HAMFI

>30-50% HAMFI

>50-80% HAMFI

>80-100% HAMFI

>100% HAMFI

Households with one or more

children 6 years old or younger * 814 585 649 300 883

* the highest income category for these family types is >80% HAMFI Table 6 - Total Households Table

Data Source:

2007-2011 CHAS

Average Household Size - Kokomo



Housing Needs Summary Tables

1. Housing Problems (Households with one of the listed needs)

Renter Owner

0-30% AMI

>30-50% AMI

>50-80% AMI

>80-100% AMI

Total 0-30% AMI

>30-50% AMI

>50-80% AMI

>80-100% AMI

Total

NUMBER OF HOUSEHOLDS

Substandard

Housing -

Lacking

complete

plumbing or

kitchen

facilities 30 110 40 0 180 0 20 30 10 60

Severely

Overcrowded -

With >1.51

people per

room (and

complete

kitchen and

plumbing) 115 0 0 0 115 0 0 0 0 0

Overcrowded -

With 1.01-1.5

people per

room (and

none of the

above

problems) 100 10 0 0 110 10 0 50 0 60

Housing cost

burden greater

than 50% of

income (and

none of the

above

problems) 1,255 420 45 0 1,720 459 359 100 40 958



Renter Owner

0-30% AMI

>30-50% AMI

>50-80% AMI

>80-100% AMI

Total 0-30% AMI

>30-50% AMI

>50-80% AMI

>80-100% AMI

Total

Housing cost

burden greater

than 30% of

income (and

none of the

above

problems) 285 770 620 20 1,695 135 245 460 280 1,120

Zero/negative

Income (and

none of the

above

problems) 175 0 0 0 175 70 0 0 0 70

Table 7 – Housing Problems Table Data Source:

2007-2011 CHAS

Low Income Households with Severe Cost Burden - Kokomo



Low Income Households with any of 4 Severe Housing Problems - Kokomo

2. Housing Problems 2 (Households with one or more Severe Housing Problems: Lacks kitchen

or complete plumbing, severe overcrowding, severe cost burden)

Renter Owner

0-30% AMI

>30-50% AMI

>50-80% AMI

>80-100% AMI

Total 0-30% AMI

>30-50% AMI

>50-80% AMI

>80-100% AMI

Total


Having 1 or more

of four housing

problems 1,500 545 80 0 2,125 469 379 180 45 1,073

Having none of

four housing

problems 730 1,235 1,790 595 4,350 200 655 2,025 1,305 4,185

Household has

negative income,

but none of the

other housing

problems 175 0 0 0 175 70 0 0 0 70



Table 8 – Housing Problems 2 Data Source:

2007-2011 CHAS

3. Cost Burden > 30%

Renter Owner

0-30% AMI

>30-50% AMI

>50-80% AMI

Total 0-30% AMI

>30-50% AMI

>50-80% AMI

Total


Small Related 795 510 315 1,620 169 229 230 628

Large Related 110 95 45 250 0 0 20 20

Elderly 265 350 170 785 175 240 170 585

Other 530 365 165 1,060 265 140 139 544

Total need by

income

1,700 1,320 695 3,715 609 609 559 1,777

Table 9 – Cost Burden > 30% Data Source:

2007-2011 CHAS

Owner and Renter Affordability up to 50% HAMFI - Kokomo



Extreme Low Income with Any of 4 Severe Housing Problems - Kokomo

4. Cost Burden > 50%

Renter Owner

0-30% AMI

>30-50% AMI

>50-80% AMI

Total 0-30% AMI

>30-50% AMI

>50-80% AMI

Total


Small Related 565 175 25 765 134 179 30 343

Large Related 75 30 0 105 0 0 0 0

Elderly 240 180 55 475 135 85 55 275

Other 440 120 0 560 205 105 14 324

Total need by

income

1,320 505 80 1,905 474 369 99 942

Table 10 – Cost Burden > 50% Data Source:

2007-2011 CHAS



5. Crowding (More than one person per room)

Renter Owner

0-30% AMI

>30-50% AMI

>50-80% AMI

>80-100% AMI

Total 0-30% AMI

>30-50% AMI

>50-80% AMI

>80-100% AMI

Total


Single family

households 170 0 0 0 170 10 0 50 0 60

Multiple,

unrelated family

households 0 10 0 0 10 0 0 0 0 0

Other, non-family

households 45 0 0 0 45 0 0 0 0 0

Total need by

income

215 10 0 0 225 10 0 50 0 60

Table 11 – Crowding Information – 1/2 Data Source:

2007-2011 CHAS

Renter Owner

0-30% AMI

>30-50% AMI

>50-80% AMI

Total 0-30% AMI

>30-50% AMI

>50-80% AMI

Total

Households with

Children Present 0 0 0 0 0 0 0 0

Table 12 – Crowding Information – 2/2 Data Source Comments: The City was unable to collect any data for these households.

Describe the number and type of single person households in need of housing assistance.

Kokomo Housing Authority has 551 public housing units that provide housing for single families. This

represents 36 % of their total housing stock. There are 155 families on the public housing waiting list and

59 on the tenant-based voucher waiting list. The large majority of these are in the extremely-low income

category. KHA does not divide applications based on how many persons are in the family when applicant

is placed on a waiting list. Applicant needs are met based on the accommodation of their subsidy size. If

a unit is single bed room, KHA places them as available for single persons or single family, as the case

may be. As per KHA, currently there are 187 single person households are on PHA waiting list.

Estimate the number and type of families in need of housing assistance who are disabled or

victims of domestic violence, dating violence, sexual assault and stalking.

Following information was obtained from Domestic Violence website:



• Domestic violence is defined as emotionally and/or physically controlling an intimate partner, often

involving tactics such as physical assault, stalking, and sexual assault (Domesticviolence.org).

• Approximately one out of every four women will experience domestic violence in her lifetime and 1.3

million women are victims of domestic violence each year. (Domesticviolence.org).

• Considering the cost and prevalence, as well as the direct relationship between housing and domestic

violence, a majority of homeless women are victims of domestic violence.

Because of restrictions on housing providers keeping them from asking the persons they serve about

special needs, figures provided for this plan were minimal and did not provide consistent, reliable

data. Estimated priority ratings (High, Medium, Low) of needs in categories, other than elderly, that

were classified as “non-homeless special” needs were as follows (with a few numbers also estimated):

Elderly, High – 270; Frail elderly, Low; Severe mental illness – Low; Physical disability, Medium - 235;

Developmental disability – Low, 10; Alcohol/substance abuse – Low 15; HIV/AIDS – Low; Victims of

Domestic Violence – Low.

What are the most common housing problems?

For both renters and homeowners, the most common housing problem is cost-burden. While a small

percentage of renters and an even smaller percentage of owner-occupants earning below 100% of AMI

experience substandard housing and/or overcrowding, cost-burdened households make up a significant

percentage of this population.

The most common housing problems observed were affordability and quality of housing stock. Based on

Census information, there were 1905 households with higher than 50 % cost burden who were renters

and there were 942 households with higher than 50% cost burden who were home-owners. Most

affected families in both categories belonged to income groups below 50 % of AMI.

Based on feedback from the public housing agency and other service providers, quality of housing for

both renters and home-owners have been an issue, especially in multi-housing facilities. There has been

a lack of construction of such properties in last 10-15 years. Many individually owned houses get

abandoned in the long term because of the lack of proper upkeep. This adds to the number of blighted

properties in certain neighborhoods.

Are any populations/household types more affected than others by these problems?

Households that belonged to the income group of 30 % or less and 50 % or less of AMI are most affected

by these housing problems. For renters, 1500 households belonging to 0-30% AMI and 545 households

belonging to 30-50 % AMI reported having one or more housing problems. For homeowners, 469

households belonging to 0-30% AMI and 379 households belonging to 30-50 % AMI reported having one

or more housing problems.



When considering the total number of low- and moderate-income households who pay more than 30%

of their total monthly income towards housing, Table shows that the number of renters is greater than

the number of homeowners (1,700 renters compared to 609 homeowners). However, when looking at

these cost-burdened households as a percentage of the total households in each income range,

extremely low-income homeowners are most affected.

Describe the characteristics and needs of Low-income individuals and families with children

(especially extremely low-income) who are currently housed but are at imminent risk of

either residing in shelters or becoming unsheltered 91.205(c)/91.305(c)). Also discuss the

needs of formerly homeless families and individuals who are receiving rapid re-housing

assistance and are nearing the termination of that assistance

Service providers identify a number of characteristics and needs of low-income individuals and children

who are currently housed but are at imminent risk of either residing in shelters or becoming

unsheltered. Persons in a cycle of poverty are unable to afford deposits for rent, utilities, medical care or

transportation and are dependent upon the "System" as a result. Providers point out that in Indiana, our

Medicaid, TANF and SNAP systems are badly broken. Other complicating factors mentioned include

limited skills, training resources and lack of public transportation options which all lead to difficulty

becoming employed with a position that would create self-sufficiency for themselves and stability for

their children.

The following factors affect and/or are needs of households that are at-risk of homelessness, have

experienced homelessness, or are currently in supportive housing:

* Homelessness prevention resources are not adequate to meet the need in the community.

* Need for aftercare services for families that have been stabilized through shelter or supportive housing

resources, including Rapid Rehousing.

* Need for connections to employment.

* Less than adequate collaboration and coordination with other systems serving at-risk or homeless

households, including systems that deal with mental health, substance abuse, development disabilities,

foster care, corrections, and health care system.

* Not enough affordable housing for families that need it and long wait lists for PHA (Public Housing

Authority) housing.

* Inadequate resources to assist with exiting households from shelters (e.g. utility assistance)

* Lack of consistent shelter-based daytime services, and operating funds to support such services.



* Lack of and declining funding for needed non-housing based services-only programs (e.g. case

management, transportation, day care, and employment programs).

* Lack of understanding of the community impact of homeless services.

If a jurisdiction provides estimates of the at-risk population(s), it should also include a

description of the operational definition of the at-risk group and the methodology used to

generate the estimates:

The City was unable to collect any data for these populations.

Specify particular housing characteristics that have been linked with instability and an

increased risk of homelessness

Characteristics of the housing market and the severity of housing problems indicate that the downturn

in current economic conditions exacerbates the needs of homeowners in maintaining their residences

and preventing foreclosures. Households in the extremely low-income, low-income and moderate-

income are at an even greater risk than the population as a whole as their finances are more limited,

and they have a narrower margin of ability to preserve their residences. Assisting them to address

protecting deterioration of the house's exterior is a priority that will enable them to be more secure in

their homes.

Discussion

Housing Cost Burden and Severe Housing Cost Burden are two major risk factors for homelessness.

When a household pays more than 30 percent or even more than 50 percent of its gross monthly

income towards housing costs, the amount of income left to pay for other items such as food and

transportation costs decreases. An unforeseen circumstance such as car repairs, medical costs and other

emergency needs can easily cause a missed rent payment or mortgage payment.

Small households earning the extremely low income experience the housing cost burden at a higher rate

than their peers in other income brackets. Creating affordable housing, particularly rental housing that is

affordable to these very low income individuals will be very vital in years ahead to prevent

homelessness and loss of housing for these households.



NA-15 Disproportionately Greater Need: Housing Problems – 91.205 (b)(2)

Assess the need of any racial or ethnic group that has disproportionately greater need in comparison to

the needs of that category of need as a whole.

Introduction

An analysis of 2007-2011 Census data indicated some disproportionate need (more than a 10

percentage point differential) among certain racial and ethnic groups when compared to the

percentages of all income categories as a whole. There was a concern with the relatively high

percentage of the Black/African American population in the extremely low and low-income category (0

to 50% AMI)

For City of Kokomo, it is very important to analyze if any race is experiencing a housing problem more

than peer households. We believe, this could be an indicator of housing discrimination or lack of housing

choices for minority households.

0%-30% of Area Median Income

Housing Problems Has one or more of four housing

problems

Has none of the four housing

problems

Household has no/negative

income, but none of the other

housing problems

Jurisdiction as a whole 2,775 815 245

White 2,150 675 155

Black / African American 495 110 30

Asian 20 19 20

American Indian, Alaska Native 0 0 25

Pacific Islander 0 0 0

Hispanic 75 10 20

Table 13 - Disproportionally Greater Need 0 - 30% AMI Data Source:

2007-2011 CHAS

*The four housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per room, 4.Cost Burden greater than 30%





problems


problems



housing problems

Jurisdiction as a whole 1,605 1,005 0

White 1,370 885 0


Asian 0 0 0



Hispanic 25 40 0


2007-2011 CHAS

*The four housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per room, 4.Cost Burden greater than 30%



problems


problems



housing problems


White 1,270 2,855 0


Asian 0 0 0



Hispanic 25 100 0


2007-2011 CHAS

*The four housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per

room, 4.Cost Burden greater than 30%





problems


problems



housing problems

Jurisdiction as a whole 275 1,900 0

White 220 1,785 0


Asian 0 45 0



Hispanic 0 10 0


2007-2011 CHAS

*The four housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per

room, 4.Cost Burden greater than 30%

Discussion

For 0-30% AMI category, 77.48 % of White households have reported one or more housing problems

whereas 17.84% of Blacks/African Americans and 2.75 % of Hispanic households reported similar

problems. For 30-50% AMI Category, 85.1 % White households have reported one or more housing

problems whereas 12.78% of Black/African Americans and 1.56% of Hispanic households have reported

similar problems. For 50-80% AMI Category, 90.72 % of White households have reported one or more

housing problems whereas 6.79% of Black/African Americans and 1.79 % of Hispanic households

have reported similar problems.

As a result, it is evident that compared to total percentage of households surveyed, a disproportionate

number of Black/African American households have one or more housing problems, especially for 0-50

% AMI group combined.



NA-20 Disproportionately Greater Need: Severe Housing Problems – 91.205

(b)(2)



Introduction

Severe housing problems include severe housing cost burden (spending more than 50 percent of

household income towards housing) and severe overcrowding (more than 1.5 person per room). An

analysis of 2007-2011 Census data indicated some disproportionate need among 0-50% AMI

groups when compared to households of greater than 50% AMI.


Severe Housing Problems* Has one or more of four housing

problems


problems



housing problems


White 1,750 1,075 155


Asian 20 19 20



Hispanic 75 10 20

Table 17 – Severe Housing Problems 0 - 30% AMI Data Source:

2007-2011 CHAS

*The four severe housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per room, 4.Cost Burden over 50%



Households with Severe Housing Problems-Income Wise - Kokomo



problems


problems



housing problems


White 530 1,730 0


Asian 0 0 0



Hispanic 0 65 0


2007-2011 CHAS

*The four severe housing problems are:



1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per room, 4.Cost Burden over 50%



problems


problems



housing problems


White 230 3,895 0


Asian 0 0 0



Hispanic 0 120 0


2007-2011 CHAS

*The four severe housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per room, 4.Cost Burden over 50%



problems


problems



housing problems


White 25 1,985 0


Asian 0 45 0



Hispanic 0 10 0


2007-2011 CHAS

*The four severe housing problems are:



1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per room, 4.Cost Burden over 50% Discussion

For 0-30% AMI group, 80.46% of White households reported having one or more of housing problems;

whereas 13.75 % of Black/African American households reported having similar problems. For 30-50%

AMI group, 89.83% of White households reported having one or more of housing problems;

whereas 10.17 % of Black/African American households reported having similar problems. For 50-80%

AMI group, 100 % of White households reported having one or more of housing problems;

whereas none of Black/African American households reported having similar problems.

For the most part, the pattern of disproportionate needs for severe housing problems reflects the

pattern of disproportionate needs for housing problems that are not classified as severe. At every

income range with the exception of 50-80% AMI, Black/African American households are more likely

than any other racial or ethnic group to experience one or more severe housing problems.



NA-25 Disproportionately Greater Need: Housing Cost Burdens – 91.205 (b)(2)



Introduction:

In this particular section, we have focused on determining if it is housing cost burden that is the cause of

these disproportionate rates of housing problems versus the other issues of overcrowding, lacking

plumbing facilities or lacking kitchen facilities. An analysis of 2007-2011 Census data indicated some

disproportionate need among White across all income groups compared to Black/African American.

The predominant issue with Kokomo residents is a cost burden for housing. This is true for renters and

homeowners throughout the City with just over 86% of our households paying 50% or more of their

income for housing.

Housing Cost Burden

Housing Cost Burden <=30% 30-50% >50% No / negative income (not computed)

Jurisdiction as a whole 14,145 3,275 2,745 245

White 12,640 2,710 2,320 155

Black / African

American 985 500 295 30

Asian 250 0 20 20

American Indian,

Alaska Native 20 0 0 25

Pacific Islander 0 0 0 0

Hispanic 205 50 75 20

Table 21 – Greater Need: Housing Cost Burdens AMI Data Source:

2007-2011 CHAS

Discussion:

For 0-30 % AMI group, housing cost burden was 89.36 % for White whereas 6.97 % for Black/African

American. For >30-50 % AMI group, housing cost burden was 82.75 % for White whereas 15.27% for

Black/African American. For >50-80% AMI group, housing cost burden was 84.52 % for White

whereas 10.75 % for Black/African American.

For this same AMI group, 76.13 % of White households spend more than 50% of their income on

housing. For the jurisdiction as a whole, 86.39% of households spend more than 50% of their income on



housing. Only 7.37 % of Black/African American households spend more than 50% of their income on

housing.

In conclusion, White households have higher cost burden across the board compared to Black/African

American households.



NA-30 Disproportionately Greater Need: Discussion – 91.205(b)(2)

Are there any Income categories in which a racial or ethnic group has disproportionately

greater need than the needs of that income category as a whole?

An analysis of 2010 Census data indicated some disproportionate need (more than a 10 percentage

point differential) among certain racial and ethnic groups when compared to the percentages of all

income categories as a whole. There was a concern with the relatively high percentage of the

Black/African American population in the extremely low and low-income category (0 to 50% MFI). The

percentage calculated indicates a 16 percentage point differential when compared to the category as

whole. A further look at the statistics of total persons living at or below the poverty level (0 to 30% MFI)

showed similar results. Here, 23.8% of the Black/African American population is at the poverty level

income, versus 9.5% for all persons. There was generally no disproportionate need among those with

Hispanic ethnicity (by definition), however, 18% of that population is reported to be at the poverty level.

If they have needs not identified above, what are those needs?

Their disproportionate needs mainly reflected cost burden in terms of housing costs compared to

household incomes, for home owners as well as renters. Some disproportionate needs were also

observed in terms of housing problems reported (more than one) both by owners and renters.

The Hope Street Group, a national nonpartisan and nonprofit organization released an Economic

Opportunity Index in 2008. The Index is meant to be a tool for measuring one's ability to achieve the

American Dream and identifying the factors that contribute most to improved opportunity. The Index

finds that certain contributing factors determine a person's capacity to earn income. For example,

educational attainment contributes to the degree to which a worker is compensated in the labor force.

Health factors such as access to health care and an individual's health will affect an individual's physical

ability to work. An individual can increase his/her capacity to work, his/her total years worked,

and his/her overall lifetime income by simply being healthy. Individual's access to economic

opportunities will vary on other factors as well, like bank account access, incarceration rate, and divorce

rate. Any of these factors can either compliment or detract from an individual's lifetime economic

opportunity and should be addressed holistically.

Are any of those racial or ethnic groups located in specific areas or neighborhoods in your

community?

The 2010 Census data indicates the City of Kokomo still has one area of minority concentration (Census

Tract 2). According to the most recent income data, there are now 23 total block groups that are

considered to be low- to moderate-income concentration areas, in comparison with 16 such areas in

2000. These block groups have more than 51 percent of their population at or below 80 percent of the

Median Family Income (MFI). Block Groups 1 and 3 in Census Tract 2 are the only two block groups in

Kokomo to have minority concentrations of more than 50 percent in both 2000 and 2010. This



information was obtained from the 2014 Federal Financial Institutions Examination Council (FFIEC)

Census Report for the Kokomo MSA.



NA-35 Public Housing – 91.205(b)

Introduction

The Kokomo Housing Authority (KHA) is the public housing agency for the City of Kokomo. Public

housing was established to provide decent and safe rental housing for eligible low-income families, the

elderly, and persons with disabilities. Public housing comes in all sizes and types, from scattered single-

family houses to multi-family apartments.

The Kokomo Housing Authority (KHA) plans that over the next five years it will annually serve 1240 low-

income, very low-income, and extremely low-income families – 44% public housing, 56% Housing Choice

Voucher program (Section 8). The current numbers for 2014, which are consistent year-to-year, are as

follows: 3% low-income families, 13% very low-income families, and 84% extremely low-income

families. KHA has 551 public housing units that provide housing for single families. These units are Civic

Center Tower and Terrace Tower, which offer secure living for both elderly and disabled individuals and

account for 36% of the overall space available. Garden Square, Dunbar Court, Pine Valley, and Superior

Street Apartments are multi-family dwelling complexes and account for 56% of overall available

space. Scattered Site Housing properties are individual three and four bedroom, single family homes in

neighborhoods throughout the city that provide for various family sizes and account for 8% of overall

available space. In addition to public housing, KHA also administers the Section 8 Housing Choice

Voucher (HCV) program which subsidizes rent payments to private landlords on behalf of eligible

clients. This allows families to choose to lease or purchase safe, decent, and affordable privately-owned

rental housing. The Section 8 HCV program serves 689 families annually.

Totals in Use

Program Type

Certificate Mod-Rehab

Public Housing

Vouchers

Total Project -based

Tenant -based

Special Purpose Voucher

Veterans Affairs

Supportive Housing

Family Unification

Program

Disabled *

# of

units

vouchers

in use 0 0 539 607 0 585 0 6 0

Table 22 - Public Housing by Program Type *includes Non-Elderly Disabled, Mainstream One-Year, Mainstream Five-year, and Nursing Home Transition

Data Source:

PIC (PIH Information Center)



Public Housing & Voucher Concentration - Kokomo Public Housing & Voucher Concentration

Characteristics of Residents

Program Type


Public Housing

Vouchers


Tenant -based


Veterans Affairs

Supportive Housing

Family Unification

Program

Average

Annual

Income 0 0 7,531 11,153 0 11,081 0 10,067

Average

length of stay 0 0 4 6 0 6 0 0

Average

Household

size 0 0 2 2 0 2 0 3

# Homeless at

admission 0 0 0 0 0 0 0 0



Program Type


Public Housing

Vouchers


Tenant -based


Veterans Affairs

Supportive Housing

Family Unification

Program

# of Elderly

Program

Participants

(>62) 0 0 90 63 0 62 0 0

# of Disabled

Families 0 0 138 219 0 210 0 0

# of Families

requesting

accessibility

features 0 0 539 607 0 585 0 6

# of HIV/AIDS

program

participants 0 0 0 0 0 0 0 0

# of DV

victims 0 0 0 0 0 0 0 0

Table 23 – Characteristics of Public Housing Residents by Program Type

Data Source: PIC (PIH Information Center)

Race of Residents

Program Type

Race Certificate Mod-Rehab

Public Housing

Vouchers


Tenant -based


Veterans Affairs

Supportive Housing

Family Unification

Program

Disabled *

White 0 0 397 369 0 352 0 5 0

Black/African

American 0 0 139 234 0 229 0 1 0

Asian 0 0 2 1 0 1 0 0 0

American

Indian/Alaska

Native 0 0 1 2 0 2 0 0 0



Program Type

Race Certificate Mod-Rehab

Public Housing

Vouchers


Tenant -based


Veterans Affairs

Supportive Housing

Family Unification

Program

Disabled *

Pacific

Islander 0 0 0 1 0 1 0 0 0

Other 0 0 0 0 0 0 0 0 0

*includes Non-Elderly Disabled, Mainstream One-Year, Mainstream Five-year, and Nursing Home Transition

Table 24 – Race of Public Housing Residents by Program Type Data Source:

PIC (PIH Information Center)

Ethnicity of Residents

Program Type

Ethnicity Certificate Mod-Rehab

Public Housing

Vouchers


Tenant -based


Veterans Affairs

Supportive Housing

Family Unification

Program

Disabled *

Hispanic 0 0 12 19 0 17 0 0 0

Not

Hispanic 0 0 527 588 0 568 0 6 0


Table 25 – Ethnicity of Public Housing Residents by Program Type

Section 504 Needs Assessment: Describe the needs of public housing tenants and applicants

on the waiting list for accessible units:

KHA has been working to increase the availability of accessible housing as housing developments are

modernized or acquired to move towards meeting or exceeding the goals for number of units in each

development that are accessible housing.

A large part of the past focus for providing accessible housing has been focused on persons with

mobility impairments, such as the frail elderly, wheelchair-bound and persons with other physical

disabilities or medical needs. As KHA completes its ongoing review, it is finding that increased focus on

providing accessible housing for tenants or applicants with other special needs is needed. The needs of

public housing tenants are relative to individual circumstances. However, KHA cannot ask applicants if

they need anything to make unit accessible. The needs of KHA's residents for year 2014 have been met.

Most immediate needs of residents of Public Housing and Housing Choice voucher holders



Section 8- 59 families waiting: 56 are 1 to 4 member families; of that 56, 45 are 0 – 30% MFI, 10 are 31 –

50% MFI, and 1 is 51 – 80% MFI. 3 are 5 or more member families all of which are 0 – 30% MFI.

Public Housing- 155 families waiting: 125 are 1 to 4 member families; of that 125, 116 are 0 – 30% MFI, 7

are 31 – 50% MFI, and 1 is 51 – 80% MFI. 30 are 5 or more person families; of that 30, 28 are 0 – 30%

MFI, 1 31 – 50% MFI, and 1 is 51 – 80% MFI.

KHA does not track demographics other than income while family is on waiting list.

How do these needs compare to the housing needs of the population at large

According to KHA, the needs of public housing residents compared to the housing needs of the

population at large are extremely difficult to track. Those fortunate to receive a housing subsidy in

Kokomo have a better chance at affording basic necessities compared to those of the same income and

family size, or so it is assumed. Without knowing the needs of those who do not receive housing

assistance through the Kokomo Housing Authority, it is hard to gauge a comparative understanding of

the two groups.

Residents of public housing have low income due to a lack of education, training, skills, or other

important traits to employability in the community. But, that is not to say those who do not live in public

housing do not have the same issues.

Discussion

Kokomo Housing Authority’s Goals and Objectives for Next Five Years:

1. Improve community quality of life and economic vitality by maintaining an improved living

environment through implemented public housing security improvements; and by continuing to provide

a smoke-free environment in all public housing buildings and units.

2. Promote self-sufficiency and asset development of families and individuals through promoted

programing for self-sufficiency and asset development of assisted households. This will increase the

number and percentage of employed persons in assisted families by providing or attracting supportive

services to improve assistance for recipients’ employability, and by providing or attracting supportive

services to increase independence for the elderly or families with disabilities.

3. Ensure equal opportunity in housing for all Americans by ensuring equal opportunity and affirmatively

furthering fair housing via continuing to follow the policies that Kokomo Housing Authority has adopted.

4. Operate according to policies/programs that will enable Kokomo Housing Authority to serve the

needs of children and adult victims of domestic violence, dating violence, sexual assault or stalking.



5. Ensure equal opportunity in housing for all Americans and affirmatively further fair housing by

continuing to follow the policies that KHA has adopted. KHA complies fully with all Federal, State, and

local non-discrimination laws and with the rules and regulations governing Fair Housing and Equal

Opportunity in housing and employment. To further its commitment to full compliance with applicable

Civil Rights laws, KHA provides Federal/State/local information regarding "discrimination" and any

recourse available to them if they are victims of discrimination. Posters and housing information are

displayed in KHA’s office in such a manner as to be easily readable from a wheelchair. KHA office(s) are

accessible to persons with disabilities.

6. Operate according to policies/programs that will enable Kokomo Housing Authority to serve the

needs of children and adult victims of domestic violence, dating violence, sexual assault or stalking. KHA

has established a program to assist victims of actual or threatened physical violence including creating a

local preference for applicants, working with local law enforcement, allowing portability or relocation,

reporting indications of child abuse, and educating families about the Violence Against Women Act

(VAWA).



NA-40 Homeless Needs Assessment – 91.205(c)

Introduction:

Local providers of homeless shelters, other housing providers and service providers are part of the Region 5 Continuum of Care (CoC) network

under the auspices of the Indiana Housing and Community Development Authority (IHCDA) which gives them guidance on developing local

policies and procedures and in structuring how to meet local homeless needs. Local agencies also contract with IHCDA for homeless funds as

Balance of State (BOS) applicants; funds received through IHCDA include Emergency Shelter Grant (ESG) and Shelter Plus Care. Housing

Opportunities for People with AIDS (HOPWA) funds are not administered locally but by a regional agency. The CoC and IHCDA determine needs

and allocation priorities.

The City of Kokomo, local providers of homeless shelters, other housing providers and service providers are part of the Region 5 Continuum of

Care (CoC). They have consistently utilized the Consolidated Plan as the primary documentation of the strategies, planning, and services being

used to address homelessness, particularly chronic homelessness, in the City of Kokomo and Howard County.

The Homeless Section of the Consolidated Plan has been developed for both the City of Kokomo and Howard County, as part of the local HUD

Continuum of Care for the Homeless (CoC) program of the combined jurisdictions. Pursuant to HUDs guidance and the communities method of

conducting planning and facilitating processes for homeless, the jurisdictions have standardized and identical elements within their Consolidated

Plans, increasing coordination and reducing duplication of efforts.

Local CoC membership includes representatives from a wide variety of agencies that have programs with the potential to provide programs and

services that can be employed as the group further develops strategy for eliminating chronic homelessness, including helping homeless persons

make the transition to permanent housing and independent living. Some of them already do this for their clients.



Homeless Needs Assessment

Population Estimate the # of persons experiencing homelessness

on a given night

Estimate the # experiencing

homelessness each year

Estimate the # becoming homeless each year

Estimate the # exiting

homelessness each year

Estimate the # of days persons

experience homelessness

Sheltered Unsheltered

Persons in Households with Adult(s)

and Child(ren) 482 112 0 0 0 0

Persons in Households with Only

Children 3 0 0 0 0 0

Persons in Households with Only

Adults 451 163 500 60 0 0

Chronically Homeless Individuals 127 60 40 0 0 0

Chronically Homeless Families 7 5 0 0 0 0

Veterans 58 22 85 0 0 0

Unaccompanied Child 2 0 0 0 0 0

Persons with HIV 4 4 45 0 0 0

Table 26 - Homeless Needs Assessment

Data Source Comments:

Data provided by Kokomo Rescue Mission, Family Service Association and Coordinated Assistance Ministries.

Indicate if the homeless population is:

Has No Rural Homeless



If data is not available for the categories "number of persons becoming and exiting homelessness each year," and "number of

days that persons experience homelessness," describe these categories for each homeless population type (including chronically

homeless individuals and families, families with children, veterans and their families, and unaccompanied youth):

Based on the data provided by CoC members, "Persons in Households with only Adults" and "Persons in Households with Adults and Children"

are the population groups that experience most homelessness each year. As a result, that population group represents largest sheltered group

among all population groups in this jurisdiction. Another population group that faces more challenges in terms of homelessness is represented

by "Veterans". Unfortunately, no data was available for estimated number of existing homeless persons or number of persons becoming

homeless every year.



Nature and Extent of Homelessness: (Optional)

Race: Sheltered: Unsheltered (optional)

White 1,065 0

Black or African American 254 0

Asian 6 0

American Indian or Alaska

Native 7 0

Pacific Islander 3 0

Ethnicity: Sheltered: Unsheltered (optional)

Hispanic 45 0

Not Hispanic 557 0 Data Source Comments: Data provided by Kokomo Rescue Mission and Coordinated Assistance Ministries.

Estimate the number and type of families in need of housing assistance for families with

children and the families of veterans.

Number of families sought emergency shelter or homelessness prevention assistance in 2013 than could

be accommodated, resulting in families being turned away because all programs were full.

For individuals, there are systems in place to allow shelter capacity to expand to meet emergency

shelter needs, whereas the family shelter system has essentially a fixed capacity. Further, families

experiencing homelessness are unlikely to live in public, making them more difficult to find and engage

them in services. Families stay in remote locations or disperse members to various friends and families

until the opportunity for reunification occurs. While some of these families may find other

accommodations and ultimately avoid homelessness, this number is our best estimate of the unmet

needs of homeless families.

Kokomo Housing Authority administers the Section 8 Housing Choice Voucher (HCV) program which

subsidizes rent payments to private landlords on behalf of eligible clients. This allows families to choose

to lease or purchase safe, decent, and affordable privately-owned rental housing. According to their

feedback, the Section 8 HCV program serves 689 families annually in Kokomo. No data on types of family

available was made available for this population group.

Describe the Nature and Extent of Homelessness by Racial and Ethnic Group.

Approximately 1065 "White" persons have experienced homelessness every year as contrast to

about 254 "Black or African Americans". In terms of ethnicity, about 45 "Hispanics" have experienced



homelessness versus 557 "Non-Hispanics" every year. Among other races, there were 6 Asian, 7

American Indian and 3 Pacific Islander.

Describe the Nature and Extent of Unsheltered and Sheltered Homelessness.

Persons in Households with Adult(s) and Child(ren)" represented the population group that was most

sheltered which was 482, followed by "Persons in Households with only "adults" which was 451 on a

given night. This has direct correlation with estimated number of individuals who experience

homelessness each year. Number of persons who were unsheltered on a given night was represented by

451 "Persons in Households with only adults", 4 "Persons with "HIV", 127 "Chronically Homeless

Individuals", 7 "Chronically Homeless Families" and 58 "Veterans".

Discussion:

In 2014 Point-In-Time count, 198 people were reported homeless in Region 5, which included

Howard County. Of those, 13 were living or sleeping in areas without shelter. In Indiana, PIT count

demonstrated a 2% decrease in overall homelessness from previous year.



NA-45 Non-Homeless Special Needs Assessment - 91.205 (b,d)

Introduction:

Priorities for housing and supportive service needs of persons who are not homeless but may or may not

require supportive housing include: Elderly- high; Frail Elderly-medium; Severe Mental Illness - high;

Developmentally Disabled - high; Physically Disabled - medium; Persons with Alcohol/Other Drug

Addictions- high; Persons with HIV/AIDS - medium; Victims of Domestic Violence- high; and Other- low.

The basis for assigning the priority given to each category of priority is information from service

providers. Considerations for setting priorities were number of persons needing/using the services and

the severity of problems in the categories. The providers consulted included Bona Vista Programs,

Family Service Association, Friendship Haven, Gilead House, Howard Haven, Community Howard Health

System, Kokomo Housing Authority, St. Joseph Hospital, Veterans Services and Vocational

Rehabilitation.

Describe the characteristics of special needs populations in your community:

Characteristics of special needs populations are described below.

Elderly: Problems created by privatization of Medicaid, TANF, SNAP; HUD regulations; needing a place to

go when act out behaviorally or have mental health problems and need inpatient medical care.

Frail Elderly: Suffer from privatization of Medicaid, TANF, SNAP; needing a place to go when act out

behaviorally or have mental health problems and need inpatient medical care.

Severe Mental Illness: Number of persons served; number of domestic violence victims with mental

health problems and no ability to pay for services; need to be somewhere where they can have proper

supervision; subsidies needed; case management often needed; lack of stable housing which inhibits

securing stable employment.

Developmentally Disabled: Good local resources to address need; need to be somewhere they can have

proper supervision; unable to find employment due to lack of education; cannot afford housing so find

temporary accommodations; group settings with case management often needed; lower income needs

housing subsidy; lack of stable housing inhibits securing stable employment.

Physically Disabled: Number of persons served; good local resources to address need; need handicapped

accessible housing; lower income need subsidy; lack of stable housing inhibits securing stable

employment.



Persons with Alcohol and Other Addictions: Lack of resources to pay for treatment; physicians prescribe

potent addictive medications; persons sell their medications to survive or make money; take

medications in combination with alcohol. Often need halfway house to re-enter community and remain

clean; unable to find employment; no funds or housing; cannot get SNAP due to felonies; need housing

in clean neighborhoods.

Victims of Domestic Violence: Number of persons served; having a place for them greatly needed

Other/Sex offenders with or without mental illness: Stigmatization affects housing and jobs; no local,

state or federal good treatment outcomes or treatment funding streams; institutional assistance not

doing good job getting them back into the community.

What are the housing and supportive service needs of these populations and how are these

needs determined?

Housing and supportive service needs were determined based on feedback received from different

service providers from this area. Following is the summary of these needs.

Special Needs Subpopulation Priority Need Level Unmet Needs Multiyear Goal Annual Goals

Elderly High 63 100 20

Severe Mental Illness High 60 60 12

Physically Disabled High 95 100 20

Persons w/Alcohol/Other Addiction High 105 125 25

Victims of Domestic Violence High 27 30 6

Total 350 415 83

Discuss the size and characteristics of the population with HIV/AIDS and their families within

the Eligible Metropolitan Statistical Area:

As per Indiana State Department of Health, size and characteristics of this population are as follows:

As of December 31, 2013:

Total Persons Living with HIV/AIDS in Howard County = 103



Sex: Male=73; Female=30

Race: Black=20; Hispanic=5; White=73; Other=5

Risk: Heterosexual=24; Injection Drug Use= <5; Men who have Sex with Men=44

Discussion:

The Indiana State Department of Health reported in 2013 that Howard County is home to 103 people

living with HIV/AIDS. These numbers are based on the last known address of the patient. Due to health

privacy laws, it is unknown how accurate these numbers are.



NA-50 Non-Housing Community Development Needs – 91.215 (f)

Describe the jurisdiction’s need for Public Facilities:

The City's public facilities needs vary from small projects like simple equipment replacements to building

new infrastructure to support all new developments throughout the city. The list includes close to $54

million in public facility needs over the next five years.

How were these needs determined?

The City's public facilities need over the next five years are projected at $21 million. CDBG funds are only

used for new infrastructure, exterior home improvements, blight removal and public service projects.

These needs were determined based on information provided by various departments of the city and

requests & feedback received from citizens of the jurisdiction. Needs of clearance & demolitions

specifically are determined based on feedback from inspection services and code enforcement

departments.

Describe the jurisdiction’s need for Public Improvements:

The City's public improvements need over the next five years are projected at $33 million. CDBG funds

are only used for new infrastructure and improvements to existing streets and sidewalks in qualified

census areas.

Street improvements (High); Sidewalk improvements (High); Other infrastructure (Low)


These needs are determined based on feedback received from city engineering department and

requests from citizens of the jurisdiction. The basis for allocating investments geographically within the

jurisdiction for infrastructure projects is a determination by the City of Kokomo's engineering

department as priorities. The basis for allocating investments in a target area is to make an increased

impact in a low-income neighborhood rather than scattering projects throughout the city.



Describe the jurisdiction’s need for Public Services:

The City's public services need over next five years are projected at $5 million.

Providing people in need with food, clothing, shelter and access to services that keep them safe and

healthy, United Way has supplied basic needs assistance to this community for nearly a century. By

helping people with their most urgent needs today, they provide them with the tools and knowledge to

strive for a better life. Howard County residents often go to the Center Township Trustee for assistance.

The Center Township Trustee’s office helps with housing, utilities, food, household supplies, clothing,

transportation and payee representative program.

Transportation Services (Low); Homeless Shelter Assistance (High); Domestic Violence Shelter assistance

(High); Senior Services (Low); Low Cost Housing Units (High)


Reports from the United Way and the local Township Trustees provide information about the services

requested or needed. United Way Howard County 2-1-1, a service funded by the United Way tracks all

of the calls and provides annual reports on the types of services requested by those in need. As per

United Way, most call requests included emergency housing, utility cost assistance and food supply.

This includes the demand for public facilities, such as domestic violence shelters and homeless shelters.

These needs and assigning the priority given for each category of priority needs is determined by the

information provided by local service providers, agencies and by various local governmental

departments.



Housing Market Analysis

MA-05 Overview

Housing Market Analysis Overview:

The physical condition and geographic aspects of housing varies throughout the city. Though many

neighborhoods share common states of repair or disrepair, there are residential areas where conditions

vary. It is not uncommon to find older homes close to commercial areas that have been converted to

rentals and falling into disrepair while on the same block other homes are in excellent condition. Most of

Kokomo's core neighborhoods were developed around the same time. According to 2010 Census

housing stock information, slightly fewer than 30 percent of the area's houses were built before

1939. Although this percentage was down from the 32 percent figure of 10 years ago due to new

construction, most would obviously agree that a large number of substandard condition homes remain.

Home rents are comparatively higher than Fair Market Rents for the region. This definitely points to the

need for affordable housing. This is also evident from number of people on waiting list, as reported by

affordable housing providers of Kokomo jurisdiction.

The City of Kokomo’s plan to address lead-based paint hazards begins with education and training of

contractors and City employees. First, the Department of Development will continue its policy for

reimbursement of LBP course fees for contractors who attend Lead Safe Work Practices training, Lead

Supervisor classes, or other coursework as needed.

There have been no identified serious impediments to opportunities for producing rental housing,

promoting new homeownership opportunities, alleviating overcrowding or meeting the needs of the

underserved population.



MA-10 Number of Housing Units – 91.210(a)&(b)(2)

Introduction

As of the 2007-2011 Census, there were approximately 23,295 housing units in

Kokomo. Approximately 11,935 are occupied by owners and approximately 7,862 were occupied by

renters. Over 3,000 housing units were reported vacant. Housing values in the city tended to be

approximately 15 percent lower than the county average.

The physical condition and geographic aspects of housing vary as well. Though many neighborhoods

share common states of repair or disrepair, there are residential areas where conditions vary. It is not

uncommon to find older homes close to commercial areas that have been converted to rentals and

falling into disrepair while on the same block other homes are in excellent condition. Most of Kokomo's

core neighborhoods were developed around the same time. According to 2010 Census housing stock

information, slightly fewer than 30 percent of the area's houses were built before 1939. Although this

percentage was down from the 32 percent figure of 10 years ago due to new construction, most would

obviously agree that a large number of substandard condition homes remain.

All residential properties by number of units

Property Type Number %

1-unit detached structure 15,555 67%

1-unit, attached structure 1,018 4%

2-4 units 2,436 10%

5-19 units 2,447 11%

20 or more units 1,052 5%

Mobile Home, boat, RV, van, etc. 787 3% Total 23,295 100%

Table 27 – Residential Properties by Unit Number Data Source: 2007-2011 ACS



Owner V/S Renter Occupied Housing by Census Tracts - Kokomo



Owner V/S Renter Occupied Housing by Census Tracts -

Unit Size by Tenure

Owners Renters

Number % Number %

No bedroom 0 0% 463 6%

1 bedroom 202 2% 1,579 20%

2 bedrooms 3,257 27% 3,689 47%

3 or more bedrooms 8,476 71% 2,131 27% Total 11,935 100% 7,862 100%

Table 28 – Unit Size by Tenure Data Source: 2007-2011 ACS

Describe the number and targeting (income level/type of family served) of units assisted with

federal, state, and local programs.

Households currently served are categorized as follows. Small related (1-4) category: 0-30 % income

category, 384 LRPH* and 334 Section-8 households; 31-50% income category, 55 LRPH and 63 Section-8

households; 51-80 % income category, 11 LRPH and 12 Section-8 households. Large related (5 or more)

category: 0-30 % income category, 52 LRPH and 189 Section-8 households; 31-50% income category, 6



LRPH and 24 and Section-8 households; 51-80 % income category, 6 LRPH and 9 Section-8 households.

Elderly (1 & 2 Members) are not tracked.

* LRPH (Low Rent Public Housing) Source: Kokomo Housing Authority

Provide an assessment of units expected to be lost from the affordable housing inventory for

any reason, such as expiration of Section 8 contracts.

Housing units currently assisted by local, state or federal government funds provide assistance in small

related (1-4), large related (5 or more) and Elderly (1 & 2 members). None of the units are expected to

be lost from the assisted housing inventory.

Does the availability of housing units meet the needs of the population?

Availability of housing units does meet needs of population to some extent. However, additional rental

units and affordable housing options including senior housing and transitional housing is an imminent

need.

The Kokomo Housing Authority (KHA) has 551 housing units with 37 scattered sites. All of the units meet

the "clean, safe and affordable housing" criteria. Restoration and revitalization needs are for capital

improvements with an estimated cost to address at $6,058,000. There are 155 families on the public

housing waiting list and 59 on the tenant-based voucher waiting list. Regarding Section 502, information

can only be gathered voluntarily. If an applicant chooses to withhold information regarding disabilities,

KHA cannot ask. However, if an applicant becomes a tenant and requests reasonable accommodations,

then compliance is met if at all possible. Kokomo Housing Authority exceeds HUD's requirements for

fully handicapped accessible units.

Describe the need for specific types of housing:

Based on the feedback from various housing providers and public housing agency, there seems to be a

gap in number of affordable housing units inventory. In last few years, the City of Kokomo has seen

addition of new affordable housing developments like Kingston Square, Jackson Street Commons and

Residences at Washington Street, for affordable and senior housing options. However, these property

managers have reported having waiting lists for potential tenants wanting to move in as soon as units

are available.

Discussion

In conclusion, Kokomo’s housing stock includes a greater proportion of older and dilapidated housing

units as compared to peer cities. Kokomo also lacks availability of affordable rental housing units. These

facts point to the need to prioritize construction of additional affordable housing units and elimination

of blighted and dilapidated housing structures.



MA-15 Housing Market Analysis: Cost of Housing - 91.210(a)

Introduction

The City of Kokomo housing market is one of the most affordable market. In spite of that, the cost of

housing is listed as a challenge for low income and extremely low-income households. This section of

the Consolidated Plan will look at the cost of housing and its effects on households living in Kokomo.

Based on a 2014 update of the 2010 Census, of the 30,286 total housing units in the market, 11.7% were

vacant. This is a somewhat high share of vacant housing units and is likely due to the number of old and

dilapidating homes in the area. In 2014, it was estimated that homeowners occupied 64.0% of all

occupied housing units, while the remaining 36.0% were occupied by renters.

Cost of Housing

Base Year: 2000 Most Recent Year: 2011 % Change

Median Home Value 72,800 83,800 15%

Median Contract Rent 426 488 15%

Table 29 – Cost of Housing

Data Source: 2000 Census (Base Year), 2007-2011 ACS (Most Recent Year)

Rent Paid Number %

Less than $500 4,438 56.5%

$500-999 3,197 40.7%

$1,000-1,499 75 1.0%

$1,500-1,999 71 0.9%

$2,000 or more 81 1.0% Total 7,862 100.0%

Table 30 - Rent Paid Data Source: 2007-2011 ACS



Median Home Value & Median Contract Rent - Kokomo



Vacancy Rate - Kokomo



Change in Median Rent - Kokomo

Housing Affordability

% Units affordable to Households earning

Renter Owner

30% HAMFI 975 No Data

50% HAMFI 3,100 1,950

80% HAMFI 6,575 4,283

100% HAMFI No Data 5,753

Total 10,650 11,986 Table 31 – Housing Affordability

Data Source: 2007-2011 CHAS



Renter Units Affordability - Kokomo



Owner Units Affordability - Kokomo

Monthly Rent

Monthly Rent ($) Efficiency (no bedroom)

1 Bedroom 2 Bedroom 3 Bedroom 4 Bedroom

Fair Market Rent 501 520 704 943 1,030

High HOME Rent 522 771 899 1,112 0

Low HOME Rent 522 618 819 979 0

Table 32 – Monthly Rent Alternate Data Source Name: Vogt Santer Insights Market Study for Kokomo Area Data Source Comments:

Is there sufficient housing for households at all income levels?

Fair Market Rents represent 40th percentile of gross rents for typical rental units occupied by recent

movers in a local housing market, meaning 40 percent of the rents are less expensive and 60 percent of

the rental units are more expensive. Also, fair market rate increases with the number of bedrooms of

the housing unit.



The minimum wage in Kokomo (Indiana) in 2014 was $7.25 per hour. If an individual works 40 hours per

week, a person will earn $15,080 per year. The rent payment affordable to a person earning minimum

wage is $377 per month. A person will need to work 69 hours a week to afford an efficiency apartment

with no bedrooms. For a one bedroom apartment, a person working minimum wage will need to work

73 hours per week. (Source: National Low Income Housing Coalition)

There is a shortage of affordable housing for households earning 30 % of MFI (Median Family

Income) and 50% of MFI (Median Family Income) and affordable housing for 55 and older in

particular, based on feedback from area housing providers.

How is affordability of housing likely to change considering changes to home values and/or

rents?

Affordability of housing could become an issue, as average median home value has gone up from

$72,800 to $83,800 and average median rent has gone up from $426 to $488, an increase of 15 %

from base year of 2000 to 2011(Most recent ACS Survey)

How do HOME rents / Fair Market Rent compare to Area Median Rent? How might this

impact your strategy to produce or preserve affordable housing?

Home rents are comparatively higher than Fair Market Rents for the region. This definitely points to the

need for affordable housing. This is also evident from number of people on waiting list, as reported by

affordable housing providers of Kokomo jurisdiction.

The City of Kokomo always tries to attract affordable housing projects that enable developers to raise

more capital funding for the project. This enables the developer to lower rents to a more affordable

level for low and moderate-income households.

Discussion

In summary, the Cost of Housing section of the housing market analysis above points to the need to:

* Rehabilitate single-family homes for affordable homeownership.

* Encourage building of new affordable housing units to facilitate renters who are burdened by higher

rents.



MA-20 Housing Market Analysis: Condition of Housing – 91.210(a)

Introduction

As per 2077-2011 Census, there were approximately 22,292 housing units in Kokomo. Approximately

11,935 are occupied by owners and approximately 7,862 were occupied by renters. Over 2,000 housing

units were reported vacant. Housing values in the city tended to be approximately 15 percent lower

than the county average.




falling into disrepair while on the same block other homes are in excellent condition. Most of Kokomo’s

core neighborhoods were developed around the same time. According to Census housing stock

information, about 37 % percent of the area’s owner occupied houses were built before

1950. Approximately 10 % of the owner-occupied housing were built after year 2000. For renter-

occupied properties, about 32 % of the units were built before 1950 whereas 7 % of the units were built

after year 2000.

Definitions

“Substandard condition” for the City of Kokomo is defined as dwelling units that do not meet local

building codes, but are both financially and structurally feasible for rehabilitation.

To be considered “suitable for rehabilitation,” the unit must be structurally sound, have an appraised

value of not less than one-half the cost to bring the property into compliance with Section 8 standards,

and to have a life expectancy of at least five years.

“Substandard condition, but not suitable for rehabilitation” is defined by the City of Kokomo as dwelling

units that are in such poor condition as to be neither structurally nor financially feasible for

rehabilitation.

The City ordinance further defines: Dwelling shall be considered unfit for human habitation if:

(1) One which is so damaged, decayed, dilapidated, insanitary, unsafe, or vermin-infested that it creates

a serious hazard to the health of the occupants or the public;

(2) One which lacks illumination, ventilation, or sanitary facilities adequate to protect the health of the

occupants or of the public

(3) One which because of its general condition or location is insanitary or otherwise dangerous to the

health of occupants or the public



Condition of Units

Condition of Units Owner-Occupied Renter-Occupied

Number % Number %

With one selected Condition 2,429 20% 3,562 45%

With two selected Conditions 29 0% 274 3%

With three selected Conditions 0 0% 49 1%

With four selected Conditions 0 0% 0 0%

No selected Conditions 9,477 79% 3,977 51% Total 11,935 99% 7,862 100%

Table 33 - Condition of Units Data Source: 2007-2011 ACS

Year Unit Built

Year Unit Built Owner-Occupied Renter-Occupied

Number % Number %

2000 or later 1,150 10% 554 7%

1980-1999 2,009 17% 1,996 25%

1950-1979 4,396 37% 2,810 36%

Before 1950 4,380 37% 2,502 32% Total 11,935 101% 7,862 100%

Table 34 – Year Unit Built Data Source: 2007-2011 CHAS

Risk of Lead-Based Paint Hazard Risk of Lead-Based Paint Hazard Owner-Occupied Renter-Occupied

Number % Number %

Total Number of Units Built Before 1980 8,776 74% 5,312 68%

Housing Units build before 1980 with children present 558 5% 650 8%

Table 35 – Risk of Lead-Based Paint Data Source: 2007-2011 ACS (Total Units) 2007-2011 CHAS (Units with Children present)



LBP Table - 1

LBP Table- 2



Rental Housing Built Before 1980 - Kokomo

Vacant Units

Suitable for Rehabilitation

Not Suitable for Rehabilitation

Total

Vacant Units 0 0 0

Abandoned Vacant Units 0 0 0

REO Properties 0 0 0

Abandoned REO Properties 0 0 0

Table 36 - Vacant Units Data Source: 2005-2009 CHAS



Owner & Rental Vacancy Rate - Kokomo

Vacant Units Response

Need for Owner and Rental Rehabilitation

There were 2429 owner-occupied units which represents 20 % of total of 11,935 owner-occupied units

were determined to have at least one condition that will require rehabilitation. For Renter-Occupied

properties, 3562 properties out of total of 7862 were determined to have at least one condition that will

require rehabilitation. Both these needs are considered urgent needs to be addressed. However, due

to lack of involvement on part of landlords and cooperation from tenants, City has found very little

success in implementing Rental rehabilitation programs in past.



Estimated Number of Housing Units Occupied by Low or Moderate Income Families with LBP

Hazards

In estimating the number of housing units within the City of Kokomo that may contain lead hazards

(those built prior to 1978), the available 2000 Census data was referenced on “Table DP-4, Profile of

Selected Housing Characteristics”, where the following information with respect to the total housing

units and age of the structure was found.(See LBP Table-1)

To get a more realistic estimate, given the changing housing conditions over time, the City applied the

above numbers to a nationwide October 2002 study, titled “The Prevalence of Lead-Based Paint Hazards

in U.S. Housing” (Environmental Health Perspectives, Volume 110, Number 10). In the study, a nationally

representative random sample of 1,984 housing units was drawn from 75 “randomly selected primary

sampling units”. Out of that, 831 eligible units and their occupants completed the survey, where

questionnaires were used to determine the age and renovation history of each unit, among other

demographic factors. The results of the study indicated that 68% of homes built before 1940 have a

prevalence of lead-based paint hazards, in comparison to 43% for those built from 1940 to 1959, and

only 8% from 1960 to 1977. Applying these percentages to local 2000 Census data, we would estimate

the following number of homes may contain lead hazards: (See LBP Table- 2)

Discussion

The City of Kokomo’s plan to address lead-based paint hazards begins with education and training of

contractors and City employees. First, the Department of Development will continue its policy for

reimbursement of LBP course fees for contractors who attend Lead Safe Work Practices training, Lead

Supervisor classes, or other coursework as needed. Additional training is being encouraged by the City

for contractors to comply with the EPA’s new repair, renovation and painting (RRP) rule.

The City also revised and rewrote its SOP manuals for the Exterior Home Improvement Program (EHIP).

The EHIP is a matching grant program to provide exterior rehabilitation for owner-occupied households

in targeted neighborhoods. As the program was developed, the City issued an RFP and contracted with

an outside LBP testing firm (Greentree Environmental, Inc.), to provide all lead paint inspections / risk

assessments and clearance examinations.

The new programs and policies are expected to make homes safer for children, while also beautifying

and stabilizing some of our older neighborhoods. The magnitude and the age of the housing stock, level

of cost burden experienced by homeowners and renters, level of health and safety issues by landlords

and the level of vacant homes requires a multi-faceted approach to address the aging housing stock.



MA-25 Public and Assisted Housing – 91.210(b)

Introduction

The Kokomo Housing Authority (KHA) plans that over the next five years, it will annually serve 1240 low-income, very low-income, and extremely

low-income families – 44% public housing, 56% Housing Choice Voucher program (Section 8). The current numbers for 2014, which are

consistent year-to-year, are as follows: 3% low-income families, 13% very low-income families, and 84% extremely low-income families.

Totals Number of Units

Program Type

Certificate Mod-Rehab Public Housing

Vouchers

Total Project -based Tenant -based


Veterans Affairs

Supportive Housing

Family Unification

Program

Disabled *

# of units vouchers

available 551 674 0 73 0

# of accessible units


Table 37 – Total Number of Units by Program Type Data Source: PIC (PIH Information Center)

Describe the supply of public housing developments:

Describe the number and physical condition of public housing units in the jurisdiction, including those that are participating in an

approved Public Housing Agency Plan:

The Kokomo Housing Authority has 551 public housing units that provide housing for single families. These units are Civic Center Tower and

Terrace Tower, which offer secure living for both elderly and disabled individuals and account for 36% of the overall space available. Garden

Square, Dunbar Court, Pine Valley, and Superior Street Apartments are multi-family dwelling complexes and account for 56% of overall available



space. Scattered Site Housing properties are individual three and four bedroom, single family homes in neighborhoods throughout the city that

provide for various family sizes and account for 8% of overall available space.

In addition to public housing, KHA also administers the Section 8 Housing Choice Voucher (HCV) program which subsidizes rent payments to

private landlords on behalf of eligible clients. This allows families to choose to lease or purchase safe, decent, and affordable privately-owned

rental housing. The Section 8 HCV program serves 689 families annually.

HUD's Real Estate Assessment Center conducts physical property inspections of properties that are owned, insured or subsidized by HUD,

including public housing and multifamily assisted housing. Scores depicted below are based on such inspections conducted to ensure that

assisted families have housing that is decent, safe, sanitary and in good repair. Detailed descriptions of the inspection processes are contained in

Federal Register notices 66 FR 59084 for public housing and 65 FR77230 for Office of Housing programs.



Public Housing Condition

Public Housing Development Average Inspection Score

Terrace Tower 88.60

Superior Street Apartments 87.02

Garden Square 71.00

Civic Center Tower 73.30

Dunbar Court 80.00

Pine Valley 79.60

Table 38 - Public Housing Condition

Public & Assisted Housing - Kokomo

Describe the restoration and revitalization needs of public housing units in the jurisdiction:

KHA has identified following needs for restoration and revitalization of its public housing units.

1. Replace playground equipment

2. Install sewer clean outs



3. Replace and/or upgrade interior plumbing

4. Replace HVAC systems, roofs, and gutters

5. Remodel kitchens, utility rooms, and bathrooms

6. Replace and repair siding and foundation

7. Repair utility sheds and trash enclosures

8. Continue upgrading the heating and cooling systems, the generator, water heaters, and the stand

pipe system; replacing carpeting and floor tile; and cleaning, repairing, sealing and painting the exterior.

9. Continue replacing and/or repairing the cooling tower, glycol recirculating pumps, the solar heating

system and heat pumps; replacing interior/exterior/storm doors/frames and patio and maintenance

doors; replacing windows and balcony doors; and upgrading electrical and lighting systems.

10. Add drop ceilings and replace ceiling tiles, repair or replace elevators, the audio visual/intercom

entry systems, trash compactors, water softeners, door locks, and garages/sheds

11. Upgrade common area restrooms.

12. Install CCTV security upgrades

13. Replace/repair/add security lighting

14. Perform extensive flat work

15. Upgrade and replace fencing and retaining walls

16. Landscape work/tree trimming will be undertaken throughout the AMP

Describe the public housing agency's strategy for improving the living environment of low-

and moderate-income families residing in public housing:

In order to improve living environment of low and moderate income families, KHA plans improvements

to current properties through Asset Management Programs.

A. AMP-01, which includes 210 units of elderly and disabled housing at Civic Center and Terrace Towers,

28 units of multi-family housing, including Dunbar Court and Superior Street, along with 17 single-family

scattered sites throughout the 46901 zip code.



B. AMP-02, which includes two multi-family developments totaling 275 units at Garden Square and Pine

Valley, along with 20 single-family scattered sites throughout the 46902 zip code.

C. Ensure equal opportunity in housing for all Americans and affirmatively further fair housing by

continuing to follow the policies that KHA has adopted. KHA complies fully with all Federal, State, and

local non-discrimination laws and with the rules and regulations governing Fair Housing and Equal

Opportunity in housing and employment. To further its commitment to full compliance with applicable

Civil Rights laws, KHA provides Federal/State/local information regarding "discrimination" and any

recourse available to them if they are victims of discrimination. Posters and housing information are

displayed in KHA’s office in such a manner as to be easily readable from a wheelchair. KHA office(s) are

accessible to persons with disabilities.

D. Operate according to policies/programs that will enable Kokomo Housing Authority to serve the

needs of children and adult victims of domestic violence, dating violence, sexual assault or stalking. KHA

has established a program to assist victims of actual or threatened physical violence including creating a

local preference for applicants, working with local law enforcement, allowing portability or relocation,

reporting indications of child abuse, and educating families about the Violence Against Women Act

(VAWA)

Kokomo Housing Authority’s Strategy to Improve the Living Environment for its families are as follows:

A. Improve community quality of life and economic vitality by maintaining an improved living

environment; by implementing public housing security improvements and by continuing to provide a

smoke-free environment in all public housing buildings and units.

B. Promote self-sufficiency and asset development of assisted households by increasing the number and

percentage of employed persons in assisted families; by providing or attracting supportive services to

improve assistance recipients’ employability; and by providing or attracting supportive services to

increase independence for the elderly or families with disabilities.

C. Kokomo Housing Authority is committed to helping their residents work toward self-sufficiency and

has created a department consisting of the Family Self-Sufficiency and Homeownership Coordinators

for both the LIHP and HCV programs, allowing them to work closely together in program development

and implementation.



Discussion:

KHA has identified the following goals relating to modernizing its Asset Management housing units and

improving the living environment of families in its 2014 agency plan:

Continue to improve KHA’s community visibility image and build stronger relationships within

the community by utilizing outreach and education methods

Update and create new agency wide policies and standard operating procedures to manage and

mitigate risk to the agency.

Continue to operate the Agency in a fiscally sound manner.

Complete and implement a strategic plan

Assess a smoke free housing policy for some KHA housing units as encouraged by HUD in its

notice published in July 2009 and May 2012 titled “Non-Smoking Policies in Public Housing” and

the toolkits provided by HUD to assist owners and residents to implement smoke free policies.

Continue to further Fair Housing initiatives.

Build a stronger alliance with property owners to improve communications and the qualities of

rental housing for the Housing Choice Voucher program (preserve and maintain quality

affordable housing).



MA-30 Homeless Facilities and Services – 91.210(c)

Introduction

Local providers of homeless shelters, other housing providers and service providers are part of the Region 5 Continuum of Care (CoC) network

under the auspices of the Indiana Housing and Community Development Authority (IHCDA) which gives them guidance on developing local

policies and procedures and in structuring how to meet local homeless needs. Local agencies also contract with IHCDA for homeless funds as

Balance of State (BOS) applicants; funds received through IHCDA include Emergency Shelter Grant (ESG), Shelter Plus Care. Housing

Opportunities for People with AIDS (HOPWA) funds are not administered locally but by a regional agency. The CoC and IHCDA determine needs

and allocation priorities.

Emergency shelters provide short-term and immediate shelter when an individual or family has no other place to live. Living conditions are often

dormitory style with only the ability for the family to stay overnight and leave during the day. Domestic Violence shelters are categorized as

emergency shelters. Transitional housing is housing that is also considered short term, with the maximum stay of 6 months. The housing is tied

to supportive services to help a homeless individual or household learn to manage their budget, gain life skills, long term employment and

address other challenges they may face. Persons with mental health challenges that need to be monitored or physically disabled persons in need

of daily care are examples of permanent supportive housing.

Homeless facilities have increased the capacity to serve the homeless in the past five years with new, separate, emergency shelters for men,

women and families. The increase in total capacity has significantly decreased the likelihood of an unsheltered population from occurring. But,

though transitional housing is generally available to various subpopulations by various local entities, continued assistance from the support

service providers who work with the sub-populations is needed to help break the cycle of homelessness.



Facilities and Housing Targeted to Homeless Households

Emergency Shelter Beds Transitional Housing Beds

Permanent Supportive Housing Beds

Year Round Beds (Current & New)

Voucher / Seasonal /

Overflow Beds

Current & New Current & New Under Development

Households with Adult(s) and

Child(ren) 49 0 51 16 5

Households with Only Adults 94 10 59 0 0

Chronically Homeless Households 10 3 0 4 0

Veterans 27 10 0 16 0

Unaccompanied Youth 0 0 0 0 0

Table 39 - Facilities and Housing Targeted to Homeless Households Data Source Comments: Kokomo Rescue Mission, Family Service Association and Coordinated Assistance Ministries provided this data.



Describe mainstream services, such as health, mental health, and employment services to the extent those services are use to complement services targeted to homeless persons

Kokomo Rescue Mission Ministries to Men provide Shelter; feeding (3 meals a day), clothing assistance;

hygiene provisions; referrals to outside agencies for educational needs, medical assistance,

mental health needs, addiction recovery; case management and spiritual guidance/counsel.

Family Service Association is an agency that provides a variety of programs, from teaching new parents

proper childcare skills to helping families get out of debt, from doing chores for the elderly and/or

handicapped to assisting in the fight against tobacco use, from providing shelter for abused women and

children to preventing child abuse in the first place.

The Gilead House, Inc. is a caring team of advocates working to restore and rebuild individuals and

families. The Gilead house offers its services in following ways:

*They offer free, personalized outreach programs and services for broken, forgotten and hopeless men,

women, and their children.

*They provide educational and training programs that equip people with the tools they need to succeed

at home, work, and in their local communities.

*They are a trusted voice in the judicial system on behalf of individuals and families, advocating for their

right to a rehabilitative experience.

List and describe services and facilities that meet the needs of homeless persons, particularly chronically homeless individuals and families, families with children, veterans and their families, and unaccompanied youth. If the services and facilities are listed on screen SP-40 Institutional Delivery Structure or screen MA-35 Special Needs Facilities and Services, describe how these facilities and services specifically address the needs of these populations.

Services mentioned above are designed to meet the needs of persons who find themselves homeless.

There are a vast range of issues, causes and reasons connected to homelessness, and there is no one

answer that will help end homelessness. The road out of homelessness differs from one person to the

next. Their key to treat each individual's situation as unique and seek to address that person's need from

holistic perspective. This approach is always attempted to be pursued through the programs and

services of the Kokomo Rescue Mission.

Kokomo Rescue Mission and Family Service Association are two main institutions that provide services

to these populations. Kokomo Rescue Mission Ministries to Men provide Shelter; feeding (3 meals a

day), clothing assistance; hygiene provisions; referrals to outside agencies for educational needs,

medical assistance, mental health needs, addiction recovery; case management and spiritual

guidance/counsel.



Family Service Association is an umbrella agency that provides a variety of programs, from teaching new

parents proper childcare skills to helping families get out of debt, from doing chores for the elderly

and/or handicapped to assisting in the fight against tobacco use, from providing shelter for abused

women and children to preventing child abuse in the first place. They help build strong families so they'll

be able to cope with the storms of life.

FSA also provides “Teen Dating Violence Prevention Education”. Three different lesson curriculums are

available to be taught at middle schools and high schools. Shelter Care is offered for 45 days to those

who are seeking safety from violence. The Shelter is only a crisis intervention program, not a long term

program. After the end of 45 days, clients must either enter another program or enter permanent

housing. Case Managers are available to meet with clients to give information, referrals and guidance

for clients who are in the process or have already left an abusive relationship. Case management

services are available to anyone who may have questions about Domestic violence even if they are not

currently a resident of the shelter.



MA-35 Special Needs Facilities and Services – 91.210(d)

Introduction

Several organizations in Kokomo assist persons who are not homeless but require supportive

housing. Bona Vista Programs provides residential services for several categories of mentally disabled

(MD) and developmentally disabled (DD) adult individuals, who are housed in coed, supervised group

living residences within the city limits. Howard Behavioral Health Services covers a three-county service

area (Howard, Tipton and Clinton), with the majority of its patients coming from Kokomo and Howard

County. Howard Haven Residential Center is for persons with low or no income, disabled or blind,

mentally disabled or requiring assisted living. St. Joseph and Community Howard Regional Hospitals help

plan follow-up for patients who are discharged from in-patient care.

The City of Kokomo has a number of special needs service providers. Locating affordable housing for

special needs population is the primary concern. With limited income for persons with the only income

of Social Security, many households face challenges to find appropriate affordable housing.

Including the elderly, frail elderly, persons with disabilities (mental, physical, developmental), persons with alcohol or other drug addictions, persons with HIV/AIDS and their families, public housing residents and any other categories the jurisdiction may specify, and describe their supportive housing needs

Based on analysis and feedback from housing providers, the City of Kokomo has found the needs of

persons with disabilities are primarily affordable housing. Even with the efforts by housing developers to

complete more affordable housing in the community, most people with extremely low incomes cannot

afford the housing available, even at low rents set by HUD.

The U.S. Department of Housing and Urban Development set rent levels, which multi-family

developments cannot exceed when charging rent. These rents are set to ensure affordability for low-

income households. Even at these levels, not every household can afford these rent levels. Some

extremely low-income households cannot pay 30 percent of their gross monthly income towards

housing. This is true for those earning minimum wage or just receiving SSI payments.

Bona Vista Programs provides residential services for several categories of mentally disabled (MD) and

developmentally disabled (DD) adult individuals, who are housed in coed, supervised group living

residences within the city limits. Group homes serve persons with severe-to-profound mental illnesses

and developmental disabilities and aid people who need behavior and daily living training. Individuals

with disabilities can also receive services through Bona Vista’s Supported Living Services

program. Based on a person’s needs, Supported Living Services can be provided for as little as four

hours a month to 24 hours a day. Services are provided in an individual’s home setting and in the



community. The Community Support Staff can assist individuals with goal-based tasks that include daily

living skills, financial management, transportation and health care management.

Howard Behavioral Health Services covers a three-county service area (Howard, Tipton and Clinton),

with the majority of its patients coming from Kokomo and Howard County. Currently, they provide one

ten-bed supervised group living home for severely and persistently mentally ill adults. This home is a

coed, non-secure facility for mentally ill persons on a transitional or permanent basis. Services also

include two transitional apartments in Kokomo which ease the move from either inpatient or the group

home into the community. These semi-independent apartments are subsidized by the hospital as a way

to allow clients to align their finances with their capability to live independently prior to obtaining

housing on their own. The clients are in regular contact with Howard Regional staff.

Howard Haven Residential Center is for persons with low or no income, disabled or blind, mentally

disabled or requiring assisted living. Special needs served include assisting residents with medications

and having assessments by a nurse. Special services provided included Mental Health Social Club, crafts,

shopping, doctor appointments, housekeeping, laundry services, meals and snacks.

Describe programs for ensuring that persons returning from mental and physical health

institutions receive appropriate supportive housing

The City does not have separate programs to ensure that people returning from mental and physical

health institutions receive appropriate supportive housing. However, there are other service providers

in jurisdiction available to these persons.

St. Joseph and Community Howard Regional Hospitals help plan follow-up for patients who are

discharged from in-patient care. They would not discharge someone to the street but always make sure

they have somewhere appropriate and safe to go even if they have to keep them until placement can be

made or they can be discharged to their own homes. They assist patients with placement in halfway

houses, homeless shelters and the domestic violence shelter if the patient does not have family or

friends.

Specify the activities that the jurisdiction plans to undertake during the next year to address

the housing and supportive services needs identified in accordance with 91.215(e) with

respect to persons who are not homeless but have other special needs. Link to one-year

goals. 91.315(e)

Please see our response below.

For entitlement/consortia grantees: Specify the activities that the jurisdiction plans to undertake during the next year to address the housing and supportive services needs identified in accordance with 91.215(e) with respect to persons who are not homeless but have other special needs. Link to one-year goals. (91.220(2))



The City of Kokomo will endeavor to create livable communities for all residents, including people who

are not homeless but have special needs. The City of Kokomo will support the development of multi-

family housing with low income housing tax credits that will improve the quality of aging communities,

support owner occupied property rehabilitation programs to families earning less than 80 percent

HAMFI and create a wider range of housing opportunities for disabled population, with cooperation

from Kokomo Housing Authority.

The City plans to maintain constant communications with these agencies on regular basis to assess their

needs and provide them support as needed. In past, the City has helped these agencies with

infrastructural improvements as requested, from CDBG funds and looks forward to continue the same in

future. In 2015, the City has been able to attract Four County Counseling Center to open up a new

location within the city limits to increase services provided to this population groups. Four County

Counselling Center provides, Child & Adolescent services; Medication clinic; Supported employment;

Residential services and Psychiatric services to these population groups.



MA-40 Barriers to Affordable Housing – 91.210(e)

Negative Effects of Public Policies on Affordable Housing and Residential Investment




Growth Controls: There are no impact fees or growth ordinances in effect at the present time.

Zoning: Existing zoning regulations and subdivisions controls are not excessive or restrictive to

affordable housing. Housing service providers, to the jurisdiction’s knowledge, have not experienced

any prohibitive zoning problems during their development.

Permit System: The Kokomo-Howard County Plan Commission requires improvement location

permits for substantial improvements to any lot or if the footprint of an existing structure is made

larger. Elevation certificates and special regulations apply for any improvement in or near the

floodplain. Building permits must be obtained from the City of Kokomo Building Inspection Department

if any alterations, remodeling or repairs are to be performed on existing units. The “One Stop Office”

also issues other housing-related permits. Both offices usually provide speedy issuance of permits and

are located two city blocks apart.

Housing Codes and Standards: Local building codes and standards do not require materials that are

inappropriate, too expensive or too restrictive. They do not contain costly or antiquated requirements.

For downtown overlay district, Kokomo does have architectural standards requirement.

New Construction: There are no barriers or restrictions on special types of new construction if the

construction conforms to local and state building codes.

Rent Controls: There are no local rent controls at the present time.



MA-45 Non-Housing Community Development Assets – 91.215 (f)

Introduction

Historically, Kokomo / Howard County economy is driven primarily by manufacturing and is home to mega-employers like Chrysler Corporation,

General Motors and Delphi Electronics & Safety. The local Chrysler facilities manufacture transmissions for nearly every Chrysler and Jeep

model. At Delphi, automotive electronic components are the primary products. There is also a strong group of smaller manufacturers with

international customers. Kokomo is also a regional destination for shopping with a large suburban mall and extensive selection of retail outlets

along U.S. 931.

Kokomo has a strong economic base to build upon. Delphi Electronic Systems, Chrysler Corporation, GMCH and related support businesses

provide a variety of employment opportunities for residents of Kokomo.

Kokomo's assets include central location, major transportation routes, good workforce, low cost of living and a good quality of life. Businesses

like to locate in communities that are both good places to live and work.

Economic Development Market Analysis

Business Activity

Business by Sector Number of Workers

Number of Jobs Share of Workers %

Share of Jobs %

Jobs less workers %

Agriculture, Mining, Oil & Gas Extraction 143 37 1 0 -1

Arts, Entertainment, Accommodations 2,651 3,773 15 14 -1

Construction 635 507 4 2 -2

Education and Health Care Services 3,022 4,004 17 15 -2

Finance, Insurance, and Real Estate 864 1,105 5 4 -1

Information 229 267 1 1 0

Manufacturing 4,241 9,259 24 35 11

Other Services 667 806 4 3 -1

Professional, Scientific, Management Services 819 830 5 3 -2



Business by Sector Number of Workers

Number of Jobs Share of Workers %

Share of Jobs %

Jobs less workers %

Public Administration 0 0 0 0 0

Retail Trade 2,947 4,724 17 18 1

Transportation and Warehousing 532 350 3 1 -2

Wholesale Trade 795 909 5 3 -2

Total 17,545 26,571 -- -- --

Table 40 - Business Activity Data Source: 2007-2011 ACS (Workers), 2011 Longitudinal Employer-Household Dynamics (Jobs)



Change in Employment-Various Job Sectors - Kokomo



Labor Force

Total Population in the Civilian Labor Force 21,181

Civilian Employed Population 16 years and

over 18,390

Unemployment Rate 13.18

Unemployment Rate for Ages 16-24 33.00

Unemployment Rate for Ages 25-65 8.65

Table 41 - Labor Force Data Source: 2007-2011 ACS

Unemployment Rate & Changes - Kokomo

Occupations by Sector Number of People

Management, business and financial 2,754

Farming, fisheries and forestry occupations 817

Service 2,545

Sales and office 4,301



Occupations by Sector Number of People

Construction, extraction, maintenance and

repair 1,414

Production, transportation and material

moving 1,872

Table 42 – Occupations by Sector Data Source: 2007-2011 ACS

Travel Time

Travel Time Number Percentage

< 30 Minutes 14,094 81%

30-59 Minutes 2,113 12%

60 or More Minutes 1,232 7% Total 17,439 100%

Table 43 - Travel Time Data Source: 2007-2011 ACS

Commute Times over an Hour - Kokomo



Education:

Educational Attainment by Employment Status (Population 16 and Older)

Educational Attainment In Labor Force

Civilian Employed Unemployed Not in Labor Force

Less than high school graduate 1,188 486 1,509

High school graduate (includes

equivalency) 5,272 813 2,508

Some college or Associate's degree 5,017 598 1,930

Bachelor's degree or higher 3,235 109 522

Table 44 - Educational Attainment by Employment Status Data Source: 2007-2011 ACS

Educational Attainment by Age

Age

18–24 yrs 25–34 yrs 35–44 yrs 45–65 yrs 65+ yrs

Less than 9th grade 79 281 151 333 683

9th to 12th grade, no diploma 670 795 586 1,037 1,127

High school graduate, GED, or

alternative 1,386 2,010 1,828 4,755 2,948

Some college, no degree 1,482 1,723 1,553 2,620 1,367

Associate's degree 50 454 455 740 330

Bachelor's degree 158 770 463 1,081 409

Graduate or professional degree 23 212 291 1,049 495

Table 45 - Educational Attainment by Age Data Source: 2007-2011 ACS

Educational Attainment – Median Earnings in the Past 12 Months

Educational Attainment Median Earnings in the Past 12 Months

Less than high school graduate 16,315

High school graduate (includes equivalency) 23,757

Some college or Associate's degree 29,678

Bachelor's degree 41,667

Graduate or professional degree 49,495

Table 46 – Median Earnings in the Past 12 Months Data Source: 2007-2011 ACS



Based on the Business Activity table above, what are the major employment sectors within

your jurisdiction?

Kokomo and Howard county has primarily seen employment from Manufacturing; Educational & health

care services; Arts entertainment & accommodation and Retail trade sector. Almost 35% of employment

comes from Manufacturing sector, 18% of employment comes from Retail sector, 15% employment

comes from Education and health services sector and 14 % comes from Arts entertainment &

accommodation sector.

Describe the workforce and infrastructure needs of the business community:

Business community's workforce and infrastructure needs summary includes following:

*Businesses attempting to stay current at high-tech jobs require local facilities for training and

continuing education.

*Businesses depend on educated individuals to fill positions within their companies as well as attract

and retain good employees, especially those with families.

*Diversify workforce to attract new industry.

*Need atmosphere to attract and retain people (night life, shopping, restaurants, etc.)

*Diversify restaurants to support, attract and retain new residents from outside the U.S.

*Explore incentives and programs to reuse vacant lots and aging buildings.

*Focus efforts on business retention.

Describe any major changes that may have an economic impact, such as planned local or

regional public or private sector investments or initiatives that have affected or may affect

job and business growth opportunities during the planning period. Describe any needs for

workforce development, business support or infrastructure these changes may create.

The City of Kokomo has invested resources in improving quality of life for the residents of Kokomo and

to attract new employers to Kokomo downtown area. Recent economic development in Kokomo

downtown includes new senior affordable housing, Veterans' housing, new parking garage with

apartments on top level, building of the Industrial Heritage Trail, construction of new baseball stadium



and new YMCA building. A new software development company has already announced plans to bring in

240 high paying jobs to this area.

A large number of service industry jobs have been added as well as a result of the rapid addition of

restaurants, bars and retail stores in this area. To accommodate the housing needs of these workers and

retired baby boomers, housing is being developed in this area as well.

As people begin living and working in this area, they will tend to shop and find entertainment options

within a smaller footprint. Earned income that now leaks out of the city will instead be spent more

locally. Restaurants, grocers and other retailers will spring up to meet this demand. Kokomo's

development plan is all about creating a climate to capture more spending in the places where

paychecks are earned. This definitely has improved business growth and employment opportunities for

local residents.

How do the skills and education of the current workforce correspond to employment

opportunities in the jurisdiction?

Kokomo's economic success depends on its ability to provide a qualified workforce. Besides

manufacturing, education and Healthcare services provide the largest opportunity for employment in

the jurisdiction. Kokomo collaborates with local educational institutions, local businesses and economic

development alliance board to ensure the development of locally-driven training and placement

programs that offer high-quality education to potential employees and technical assistance to new and

established businesses, consistent with their specific needs.

Kokomo jurisdiction has total of 23,185 individuals (16 and older) that constitutes total workforce

available for employment opportunities. Total of 3183(13.73%) have less than high school education;

8593 (37.05%) have some high school education; 7543(32.54%) have some college or associate degree

and 3866(16.68%) have bachelor's degree or higher education.

Describe any current workforce training initiatives, including those supported by Workforce

Investment Boards, community colleges and other organizations. Describe how these efforts

will support the jurisdiction's Consolidated Plan.

Kokomo has a good school system and several well respected higher academic institutions including Ivy

Tech, Indiana University at Kokomo (IUK), Purdue University, and Indiana Wesleyan University.

Individuals and businesses attempting to stay current at high-tech jobs require local facilities for training

and continuing education. Kokomo has cooperative high-tech training programs available through the

schools and career center.

In 2014, Ivy Tech Community College Kokomo region received a $3.27 million boost from the federal

government to expand programs dedicated to preparing high school students for careers in industrial

technology.



Fourteen area high schools and career centers participate in Ivy Tech's ITEP, which allows high school

students, college students and returning adult students to earn technical certificates in seven industrial

technology fields, an Associate of Applied Science degree in Industrial Technology and a 75-credit-hour

Associate of Applied Science degree in Advanced Automation and Robotics Technology. The program

partners with local industries to allow students to complete internships and work-study placements.

The grant will allow Ivy Tech to develop enhanced curriculum in industrial technology, hire career

counselors to explain advanced manufacturing opportunities to high school students and their parents,

provide training in advanced manufacturing for teachers, purchase new equipment for the community

college and high school classrooms and to offer scholarships and certification cost waivers for high

school students.

Indiana University Kokomo has four-year bachelor's degree programs and master's degree programs

that are designed to help students meet today's real-world needs. Currently, IU Kokomo has enrollment

of more than 4000 students.

Does your jurisdiction participate in a Comprehensive Economic Development Strategy

(CEDS)?

No

If so, what economic development initiatives are you undertaking that may be coordinated

with the Consolidated Plan? If not, describe other local/regional plans or initiatives that

impact economic growth.

Following economic development activities are planned for Kokomo area in next few years.

* Renovating a vacant industrial building and convert that to add approximately 150 new, market-rate

housing units in traditionally Low-mod income area to improve the neighborhood.

* Construction of new baseball stadium in vicinity to foster growth of additional economic activities as a

result of thousands of visitors coming to Kokomo downtown area and spend their dollars to boost local

economy and help small businesses located within this region.

* Increase number of affordable housing units and senior housing units especially within low-mod

income block groups.



MA-50 Needs and Market Analysis Discussion

Are there areas where households with multiple housing problems are concentrated?

(Include a definition of "concentration")

The physical condition and geographic aspects of housing problems vary. Though many neighborhoods



falling into disrepair while on the same block other homes are in excellent condition. Most of Kokomo's

core neighborhoods were developed around the same time. According to 2010 Census housing stock

information, slightly fewer than 30 percent of the area's houses were built before 1939.

An analysis of 2007-2011 Census data indicated some disproportionate need (more than a 10

percentage point differential) among certain racial and ethnic groups when compared to the

percentages of all income categories as a whole. There was a concern with the relatively high

percentage of the Black/African American population in the extremely low and low-income category (0

to 50% AMI)

For 0-30% AMI category, 77.48 % White households has reported one or more housing problems

whereas 17.84% Blacks/African Americans and 2.75 % Hispanic households reported similar

problems. For 30-50% AMI Category, 85.1 % White households has reported one or more housing

problems whereas 12.78% Black/African Americans and 1.56% Hispanic households reported similar

problems. For 50-80% AMI Category, 90.72 % White households has reported one or more housing

problems whereas 6.79% Black/African Americans and 1.79 % Hispanic households reported similar

problems.

Concentration is defined as higher than 10% differential than the City’s average of housing problems.

Are there any areas in the jurisdiction where racial or ethnic minorities or low-income

families are concentrated? (Include a definition of "concentration")

Following tables depict diversity in Kokomo for each Census tract. Of the 14 census tracts listed for the

City of Kokomo, all increased in diversity from the previous ten years. It was noted that all census tracts

showed an increase in their minority populations and that Census Tract 2 (an area of high minority

concentration) showed the lowest increase (only 0.42 percent). The 2010 Census data indicates the city

of Kokomo still has one area of minority concentration (Census Tract 2). According to the most recent

income data, there are now 14 total block groups that are considered to be low- to moderate-income

concentration areas, in comparison with 16 such areas in 2000. These block groups have more than 51

percent of their population at or below 80 percent of the Median Family Income (MFI). Block Groups 1

and 3 in Census Tract 2 are the only two block groups in Kokomo to have minority concentrations of

more than 50 percent in both 2000 and 2010. Information for the chart below was obtained from the

2014 Federal Financial Institutions Examination Council (FFIEC) Census Report for the Kokomo MSA.



Concentration is defined as geographic areas or block groups which has percentage of households of

racial or ethnic minority group that is at least 20 percentage point higher than the percentage of that

minority group for the rest of MSA.

What are the characteristics of the market in these areas/neighborhoods?

These neighborhoods have majority of houses that are older, ranging from 50 years to 100 years old.




falling into disrepair while on the same block other homes are in excellent condition.

Are there any community assets in these areas/neighborhoods?

Kokomo downtown's core business district, City and County offices, YMCA, Family Service Association

and other service providers are located in vicinity of these geographical areas. This areas also have

multiple public parks, greenways and transportation hub for free trolleys that facilitate multiple

crosstown & downtown routes. Recently, there has been addition of affordable veteran housing and

affordable senior housing in this areas as well. A lot of economic development activities are also shaping

up in this area, like addition of baseball stadium, some market rate apartments and new parking garage

to name a few. In early 2015, IHCDA has approved rental tax credits for development of an affordable

housing complex that will provide housing to 69 income qualified individuals/families. These assets will

definitely help improve landscape of these neighborhoods in long term.

Are there other strategic opportunities in any of these areas?

As a result of concentration of population who lack basic transportation or choose to rely on public

transportation, there seems to be a great need for a grocery store located within this demographic

areas. The closest grocery store is located almost 1.5 miles away from this neighborhood, which really

makes access difficult for residents without personal transportation. Also, since these neighborhoods

are located in proximity of emerging retail and business district, it provides significant strategic

advantage to the residents to seek employment without having reliable personal transportation.



Census Tract Diversity

Minority Concentration-Income



Poverty Rate - Kokomo



Black/African American Concentration - Kokomo



White (Not Hispanic) Concentration - Kokomo



Strategic Plan

SP-05 Overview

Strategic Plan Overview

This Consolidated Plan outlines the City of Kokomo’s plan to utilize HUD’s grant to best meet our needs

for affordable housing, community and economic development, services for homeless individuals and

families, homeless prevention, and assistance for special needs populations including those who are

disabled and persons with HIV/AIDS.

Geographic Priorities: The City has established two different target areas for its exterior home

improvement program. Both these target areas were selected based on Census data depicting needs

and concentration of "Low" and "Low-Moderate" population in these areas.

Priority Needs: The City's priority needs are summarized as additional affordable housing, public

facilities improvement, public infra-structure improvement, assistance to other public service agencies

and blight elimination.

Anticipated Resources: The City of Kokomo anticipates $749,515 in CDBG funding for the financial year

2015 and assumes allocation of about $740,000 every year thereafter. City does not expect any other

housing related grant within this period.

Institutional Delivery Structure: Looking at the number and type of institutional network available within

jurisdiction, Kokomo has very unique blend of institutions which are poised to deliver types of services

needed by residents of this community. One exception to this is lack of mobile clinics. On the positive

note, city has number of walk-in clinics and hospital emergency rooms available for their

emergency medical needs. City also has free public transportation and on demand transportation

services for seniors & low-income residents.

Goals: Following major goals were established for the plan. Owner Occupied Exterior Home

Improvement; Street and Sidewalk reconstruction; Blight Elimination; Public Facilities Improvement and

Public Service Institution Assistance.

Public Housing: The City partners with Kokomo Housing Authority to implement public housing strategy

for this jurisdiction. Details of resources available and next five years plans are provided in subsequent

templates.

Barriers to Affordable Housing: There have been no identified serious impediments to opportunities for

producing rental housing, promoting new homeownership opportunities, alleviating overcrowding or

meeting the needs of the underserved population.



Homelessness Strategy: Kokomo's Continuum of Care group meets monthly to consider the housing and

supportive services needed in each stage of the process which includes preventing homelessness,

outreach/assessment, emergency shelters and services, transitional housing, and helping homeless

persons make transition to permanent housing and independent living.

Lead-based Paint Hazards: The City of Kokomo incorporated lead reduction measures in its former

Kokomo Housing Renewal Program. City utilizes services of Greentree Environmental Consulting

Company to analyze and mitigate LBP hazards. City obtains clearance from them for the properties that

exhibit need for the assessment and clearance as per HUD guidelines.

Anti-Poverty Strategy: The City of Kokomo has and will continue to work with service providers and

affordable housing developers to strive for the reduction of households with incomes below the poverty

line and to prevent others from falling below the poverty level.

Monitoring: The Department of Development (DOD) has very detailed SOPs for Exterior Home

Improvement Program and Neighborhood Blight Removal Program. For non-DOD department programs

receiving CDBG funds, sub-recipient agreements are drawn up; LMC income and race/ethnicity data is

collected with submission of invoices, and staff reviews the data prior to payment.



SP-10 Geographic Priorities – 91.215 (a)(1)

Geographic Area

Table 47 - Geographic Priority Areas

1 Area Name: Target Area 1

Area Type: Local Target area

Other Target Area Description:

HUD Approval Date:

% of Low/ Mod:

Revital Type: Housing

Other Revital Description:

Identify the neighborhood boundaries

for this target area.

This target area is bounded on the north by Madison

Street, on the east by Delphos Street, on the south by

Walnut Street and Taylor Street, and on the west by

Indiana Avenue and Union Street. Low-mod

percentages for this target area are: CT2 BG1 = 63%;

CT2 BG2 = 74%, CT2 BG3 = 69%, CT5 BG1 = 53%; and

CT5 BG4 = 82%.

Include specific housing and commercial

characteristics of this target area.

This geographic target area for some of the CDBG

funds is a low-income neighborhood in a north-central

area of Kokomo that encompasses a portion of the

high-minority concentration area. Indiana Housing

Community Development Authority has recently

approved rental housing tax credit for an affordable

housing project in this area. A 69- units, three story

affordable housing complex will be built on the east

side of Apperson Way.

How did your consultation and citizen

participation process help you to

identify this neighborhood as a target

area?

This target area was developed based on input

received from citizens, their representatives and other

public service agencies of the jurisdiction.

Identify the needs in this target area. There are number of owner occupied properties in

this area that can utilize some of the funding to

improve exterior of the houses. This area also has

higher percentage of extremely low and low-

moderate income households.



What are the opportunities for

improvement in this target area?

With establishment of this target area and making

improvements to residential properties there that are

occupied by low-income persons, the City hopes to

make an impact that will protect housing values and

create a synergistic effect whereby other owners are

encouraged to improve their properties.

Are there barriers to improvement in

this target area?

Some of the barriers to improvement in this target

area include crumbling infrastructure and presence

of blighted properties.

2 Area Name: Target Area 2

Area Type: Local Target area

Other Target Area Description:

HUD Approval Date:

% of Low/ Mod:

Revital Type: Housing

Other Revital Description:

Identify the neighborhood boundaries

for this target area.

This target area is bounded roughly by Vaile Avenue

on the north, on the east by Union Street, on the

south by Harrison Street, and on the west by Main

Street. The low-mod percentage for this area is CT9

BG1 = 65%.

Include specific housing and commercial

characteristics of this target area.

The second target is near the original target area and

core downtown business district. As with

establishment of the first target area and making

improvements to residential properties there that are

occupied by low-income persons, the City hopes to

make an impact that will protect housing values and

create a synergistic effect whereby other owners are

encouraged to improve their properties.

How did your consultation and citizen

participation process help you to

identify this neighborhood as a target

area?

This target area was developed based on input

received from citizens, their representatives and other

public service agencies of the jurisdiction.



Identify the needs in this target area. There are number of owner occupied properties in

this area that can utilize some of the funding to

improve exterior of the houses. This area also has

higher percentage of extremely low and low-

moderate income households.

What are the opportunities for

improvement in this target area?

This geographic target area is a low-income

neighborhood of Kokomo that encompasses a portion

of the high-minority concentration. It is also

strategically located near city's free transportation

hub and core business district. This area will also have

advantage of other infrastructure improvements

and economic development projects funded by other

sources and private investors.

Are there barriers to improvement in

this target area?

Some of the barriers to improvement in this target

area include crumbling infrastructure and presence

of blighted properties.

General Allocation Priorities

Describe the basis for allocating investments geographically within the jurisdiction (or within the EMSA

for HOPWA)

Both these target areas were selected based on Census data depicting needs and concentration of

"Low" and "Low-Moderate" population in these areas.

These geographic areas that will be targeted for some of the CDBG funds are low-income neighborhoods

on Kokomo’s north side. As a result of designating the target areas to receive funds for the Exterior

Home Improvement Program, and using some of the Blight Removal funds and Infrastructure funds in

that area, it should make a noticeable impact in these neighborhoods. It is hoped this will encourage

other improvements from others living there as well. These target areas are also strategically located

near Kokomo's core downtown business district and free transportation hub. These areas have been

historically distressed, low income neighborhoods and City is hoping to revitalize and stabilize these

neighborhoods in order to encourage additional residents to move in these areas.



SP-25 Priority Needs - 91.215(a)(2)

Priority Needs

Table 48 – Priority Needs Summary

1 Priority Need

Name

Affordable Housing

Priority Level High

Population Extremely Low

Low

Moderate

Families with Children

Elderly

Geographic

Areas

Affected

Target Area 1

Target Area 2

Associated

Goals

Affordable Housing

Description Exterior Home Improvement Program for owner-occupied properties in the

target areas.

Basis for

Relative

Priority

Most common housing problems observed were affordability and quality of

housing stock. Based on Census information, there were 1905 households with

higher than 50 % cost burden who were renters and there were 942 households

with higher than 50% cost burden who were home-owners. Most affected

families in both categories belonged to income groups below 50 % of AMI.

The City of Kokomo has identified several areas in which it can help extremely

low- , Low and low-Moderate income individuals and families who are at

imminent risk of becoming homeless. Through CDBG programs, City helps them

keep their houses safe and reduce their maintenance costs.

2 Priority Need

Name

Infrastructure Improvements

Priority Level High


Low

Moderate

Non-housing Community Development



Geographic

Areas

Affected

Associated

Goals


Description Rebuilding and improvement of sidewalks & streets.

Basis for

Relative

Priority

These needs were determined based on information provided by various

departments of the city, various public service providers and requests

& feedback received from citizens of the jurisdiction. The basis for allocating

investments geographically within the jurisdiction for infrastructure projects is a

determination by the City of Kokomo’s engineering department as priorities. The

basis for allocating investments in a target area is to make an increased impact in

a low-income neighborhood rather than scattering projects throughout the city.

3 Priority Need

Name

Blight Elimination - Neighborhood Stabilization

Priority Level High


Low

Moderate

Geographic

Areas

Affected

Associated

Goals

Blight Elimination

Description Demolition and clearance of blighted and unsafe housing structure to make

neighborhoods sustainable and safer.

Basis for

Relative

Priority

These priority has been established based on census information about number

of vacant housing units, feedback from department of code enforcement and

inspection services and feedback and complaints received from citizens of

various neighborhoods.

4 Priority Need

Name

Public Service - Non-housing Community Development

Priority Level High




Low

Moderate


Chronic Homelessness

Individuals


Chronic Substance Abuse

veterans

Persons with HIV/AIDS

Victims of Domestic Violence

Elderly

Frail Elderly

Persons with Developmental Disabilities

Persons with Alcohol or Other Addictions

Persons with HIV/AIDS and their Families


Geographic

Areas

Affected

Associated

Goals

Public Service Activities

Description Homeless Shelter Assistance, Domestic Violence Shelter assistance and youth

services.

Basis for

Relative

Priority

These needs and assigning the priority given for each category of priority needs is

determined by the information provided by local service providers, agencies and

by various local governmental departments.

5 Priority Need

Name

Public Facilities Improvements

Priority Level Low




Low

Moderate


Elderly

Public Housing Residents


Individuals

Chronic Substance Abuse

veterans

Persons with HIV/AIDS


Unaccompanied Youth

Elderly

Frail Elderly

Persons with Physical Disabilities

Persons with Developmental Disabilities

Persons with Alcohol or Other Addictions

Persons with HIV/AIDS and their Families


Geographic

Areas

Affected

Associated

Goals

Public Facility Improvements

Description Providing assistance to various public service agencies to improve and maintain

physical infrastructure of their facilities.

Basis for

Relative

Priority

These needs and assigning the priority given for each category of priority needs is

determined by the information provided by local service providers, agencies and

by various local governmental departments.

6 Priority Need

Name

Public Improvements- Flood damage mitigation

Priority Level Low




Low

Moderate

Middle

Large Families


Elderly

Geographic

Areas

Affected

Associated

Goals


Description Improvements to prevent flooding in residential areas.

Basis for

Relative

Priority

These needs are determined based on feedback from city engineering

department and requests from citizens of the jurisdiction. The basis for allocating

investments geographically within the jurisdiction for infrastructure projects is a

determination by the City of Kokomo’s engineering department as priorities. The

basis for allocating investments in a target area is to make an increased impact in

a low-income neighborhood rather than scattering projects throughout the city.

7 Priority Need

Name

Parks & recreational facilities

Priority Level Low


Low

Moderate

Middle

Large Families


Elderly


Non-housing Community Development

Geographic

Areas

Affected

Associated

Goals


Description Improvements of park and recreational facilities.



Basis for

Relative

Priority

These needs were determined based on feedback received from citizens and

various departmental heads.

8 Priority Need

Name

Public transportation

Priority Level Low


Low

Moderate

Middle

Large Families


Elderly



Individuals

veterans

Persons with Physical Disabilities


Geographic

Areas

Affected

Associated

Goals

Public Service Activities

Description Providing public transportation infrastructure and expanded public

transportation services to all residents of the jurisdiction, predominantly utilized

by extremely low, low and low-mod income group persons.

Basis for

Relative

Priority

These needs were determined based on feedback received from citizens, various

department heads and other services providers.

Narrative

Even though Kokomo can be proud of its past rankings as one of the nation's most affordable housing

markets, housing providers and local officials are still agree that a need remains for more decent, safe

and affordable housing. Based on contacts with the area’s affordable housing providers, and from

information gathered during the Community Needs Assessment, overcrowding was not determined to

be a problem or a priority need in the community. The City of Kokomo has identified several areas in



which it can help extremely low- and low-Moderate income individuals and families who are at

imminent risk of becoming homeless.



significantly decreased the likelihood of an unsheltered population from occurring. But, though

transitional housing is generally available to various subpopulations by various local entities, continued

assistance from the support service providers who work with the sub-populations is needed to help

break the cycle of homelessness.



SP-30 Influence of Market Conditions – 91.215 (b)

Influence of Market Conditions

Affordable Housing Type

Market Characteristics that will influence the use of funds available for housing type

Tenant Based

Rental Assistance

(TBRA)

The City of Kokomo does not receive or intend to use HOME funds at this time

TBRA for Non-

Homeless Special

Needs

The City of Kokomo does not receive or intend to use HOME funds at this time

New Unit

Production

While the City of Kokomo is not directly involved in production of new units, it

does support private developers' efforts to pursue construction of new

affordable housing units in qualified census tracts and block groups within

jurisdiction.

Rehabilitation There were 2429 owner-occupied units which represents 20 % of total of

11,935 owner-occupied units were determined to have at least one condition

that will require rehabilitation. Exterior Home Improvement Program

administered by the City of Kokomo’s Department of Development will address

affordable housing for approximately 10 low-income, owner-occupied

households each year. The Exterior Home Improvement Program will help low-

income homeowners in the target areas make repairs to the outside of their

homes to help preserve the home’s integrity and value, and to preserve the

value of housing in their low-income neighborhood.

Acquisition,

including

preservation

The City does not participate in acquisition or preservation of housing

properties.

Table 49 – Influence of Market Conditions



SP-35 Anticipated Resources - 91.215(a)(4), 91.220(c)(1,2)

Introduction

The City of Kokomo has been recipient of Community Development Block Grant for years and has implemented number of infra-structure

projects, public facilities physical improvements projects and assisted various agencies with funding to carry out public service activities for the

benefit of Low-income and Low-mod citizens of the jurisdiction.

The City continues to be proactive in the area of grant research and the pursuit of non-CDBG funded programs that are specifically designed to

address the needs of those with low incomes and living in distressed areas. As always, the City pledges to continue the pursuit of new programs

and partnerships to help address the issues of affordable housing, homebuyer assistance and homelessness. With new and creative community

and economic development projects, the City will work diligently to achieve decent affordable housing and a suitable living environment and

strive to create more economic opportunities.

Anticipated Resources

Program Source of Funds

Uses of Funds Expected Amount Available Year 1 Expected Amount

Available Reminder of ConPlan

$

Narrative Description Annual

Allocation: $

Program Income:

$

Prior Year Resources:

$

Total: $

CDBG public -

federal

Acquisition

Admin and

Planning

Economic

Development

Housing

Public

Improvements

Public Services 749,515 0 0 749,515 0

Projection for next four years is

based on assumption of $740000

grant amount per year.




Uses of Funds Expected Amount Available Year 1 Expected Amount

Available Reminder of ConPlan

$


Allocation: $

Program Income:

$


$

Total: $

Other

CDBG

public -

federal

Housing

Public

Improvements

Public Services

Other 749,515 0 0 749,515 2,960,000

Affordable Housing

$1,000,000

Infra-Structure Improvements

$1,759,515

Blight Elimination $ 300,000

Public Service Activities$350,000

Public Facilities Improvements

$ 300,000

Table 50 - Anticipated Resources

Explain how federal funds will leverage those additional resources (private, state and local funds), including a description of how

matching requirements will be satisfied

The City of Kokomo provides development department staff's salaries, benefits and other operating expenses out of general fund thereby

pledging every dollar received from CDBG for the execution of community projects and to the benefit of citizens & agencies located within the

jurisdiction.

Currently, there are no specific plans where CDBG funds will leverage any additional resources from private or state funds. Local funds from the

city will be utilized to pay for administration, engineering & design and other related expenses in carrying out CDBG related activities.



If appropriate, describe publically owned land or property located within the jurisdiction that may be used to address the needs

identified in the plan

At this time, there are no plans to utilize any publically owned land or property to address needs identified in the plan. However, the City has

been paying and will continue to pay development department staff's salary and benefits out of general funds, thereby utilizing every dollar

received from CDBG for the benefit of the public service needs and public service projects.



SP-40 Institutional Delivery Structure – 91.215(k)

Explain the institutional structure through which the jurisdiction will carry out its consolidated plan

including private industry, non-profit organizations, and public institutions.

Responsible Entity Responsible Entity Type

Role Geographic Area Served

KOKOMO Government Economic

Development

Non-homeless special

needs

Planning

neighborhood

improvements

public facilities

public services

Jurisdiction

Kokomo Housing

Authority

PHA Public Housing

Rental

Jurisdiction

FAMILY SERVICE

ASSOCIATION

Continuum of care Homelessness


needs

public services

Region

Kokomo Rescue

Mission



needs

public services

Region

Carver Center Non-profit

organizations


needs

public facilities

public services

Region

COORDINATED

ASSISTANCE

MINISTRIES



needs

public facilities

public services

Region

BONA VISTA

PROGRAMS INC

Non-profit

organizations

Economic

Development


needs

public facilities

public services

Region



Responsible Entity Responsible Entity Type

Role Geographic Area Served

United Way Non-profit

organizations

Economic

Development


needs

public facilities

public services

Region

YMCA Community/Faith-

based organization


needs

public facilities

public services

Region

Very Early Childhood

Education Center

Non-profit

organizations


needs

public services

Jurisdiction

The Gilead House Non-profit

organizations


needs

public services

Jurisdiction

Table 51 - Institutional Delivery Structure

Assess of Strengths and Gaps in the Institutional Delivery System

Looking at the number and type of institutional network available within jurisdiction, Kokomo has very

unique blend of institutions which are poised to deliver types of services needed by residents of this

community. One exception to this is lack of mobile clinics. On the positive note, City has number of

walk-in clinics and hospital emergency rooms available for their emergency medical needs. City also has

free public transportation and on demand transportation services for seniors & low-income residents.

Availability of services targeted to homeless persons and persons with HIV and mainstream

services

Homelessness Prevention Services

Available in the Community

Targeted to Homeless

Targeted to People with HIV

Homelessness Prevention Services

Counseling/Advocacy X X X

Legal Assistance X X X

Mortgage Assistance X

Rental Assistance X X X

Utilities Assistance X X X

Street Outreach Services

Law Enforcement X X X



Street Outreach Services

Mobile Clinics

Other Street Outreach Services X X X

Supportive Services

Alcohol & Drug Abuse X X X

Child Care X

Education X X X

Employment and Employment

Training X X X

Healthcare X X X

HIV/AIDS X X X

Life Skills X X X

Mental Health Counseling X X X

Transportation X X X

Other

Table 52 - Homeless Prevention Services Summary

Describe how the service delivery system including, but not limited to, the services listed

above meet the needs of homeless persons (particularly chronically homeless individuals and

families, families with children, veterans and their families, and unaccompanied youth)



significantly decreased the likelihood of an unsheltered population from occurring. Services are provided

to homeless persons, including chronically homeless individuals and families, families with children,

veterans and their families and unaccompanied youth through a highly cooperative and collaborative

network of service providers. Local Continuum of Care (CoC) organizations administer the ESG programs.

Howard County Health Department participates in a regional collaborative organization as well that

includes hospitals, county and state government health officials, nonprofit providers, etc. All of these

efforts minimize redundancy and ensure that gaps in services are filled when identified.

The Kokomo Rescue Mission (RM) works with the largest and most diverse groups of homeless

persons and has provided a great deal of the information for this Consolidated Plan. Much of what they

discern about characteristics and needs of homeless persons was also reported by other agencies

consulted for this plan. The predominant theme is that homelessness reveals a complex combination of

problems and needs.

While there are shelter services for single women, women with children, and single men, there is a lack

of options for whole families who are homeless. To address this, CAM opened a shelter for entire

families in 2009 which combined volunteer and City of Kokomo Community Development Block Grant

efforts to develop. Since 2009, this shelter has housed 143 people and are able to maintain integrity of

the family.



Bona Vista Programs has two supportive housing programs. In their group homes, they served 48

individuals who were developmentally disabled. Their supported living services helped 81 individuals

with a diagnosis of an intellectual disability who were living in their own homes.

Howard Behavioral Services has three supportive housing programs. In Shelter + Care, they provide

subsidized apartments for 17 persistently mentally ill/substance dependent and chronically homeless

individuals. In their supervised group homes, they house persistently mentally ill persons. In their Pillars

program, they serve persistently mentally ill persons in apartments.

Describe the strengths and gaps of the service delivery system for special needs population

and persons experiencing homelessness, including, but not limited to, the services listed

above

Kokomo has three organizations that provide homeless shelters with supportive services: Kokomo

Rescue Mission, Coordinated Assistance Ministries and Family Service Association Domestic Violence

Shelter. They, along with representatives of other housing and service providers, are part of the Region

5 Continuum of Care network under the auspices of the Indiana Housing and Community Development

Authority (IHCDA) which gives them guidance on developing local policies and procedures and

structuring how to meet local homeless needs. Local agencies also contract with IHCDA for homeless

funds as Balance of State (BOS) applicants. Housing Opportunities for People with AIDS (HOPWA) funds

are not administered locally but by a regional agency.

Though transitional housing is generally available to various subpopulations by various local entities,

continued assistance from the support service providers who work with the sub-populations is needed

to help break the cycle of homelessness.

Provide a summary of the strategy for overcoming gaps in the institutional structure and

service delivery system for carrying out a strategy to address priority needs

The primary challenge for the City of Kokomo is to reach the underserved people in the jurisdiction,

which is people with special needs, particularly those living with a disability. Many institutions that cater

to the general population also serve persons with disabilities as part of their programs. However, the

demand for services exceeds the level of services being provided.

The City of Kokomo has identified several areas in which it can help extremely low and low-Moderate

income individuals and families who are at imminent risk of becoming homeless. Through CDBG

programs, the City helps them keep their houses safe and reduce their maintenance costs; and it

supports medical co-pay program for low income individuals who otherwise would not have access to

health care. Through the City’s Neighborhood Stabilization Grant, dwelling units have been provided for



persons with low-income. The City also has developed a fixed-route bus system which enables low-

income persons to have access to reliable transportation to help them stay employed.

The City also provides funding to Family Service Association to help them defray some of the operating

and maintenance cost for them to be able to continue provide services to victims of domestic violence

and other services, from teaching new parents proper childcare skills to helping families get out of debt,

from doing chores for the elderly and/or handicapped to assisting in the fight against tobacco use, from

providing shelter for abused women and children to preventing child abuse in the first place.

The City continues to provide funding to Family Service Association, Kokomo Rescue Mission and

Coordinated Assistance Ministries for their infrastructure improvement projects that helps them

continue and increase services they provide to this special needs population.



SP-45 Goals Summary – 91.215(a)(4)

Goals Summary Information

Sort Order

Goal Name Start Year

End Year

Category Geographic Area

Needs Addressed Funding Goal Outcome Indicator

1 Affordable

Housing

2015 2019 Affordable

Housing

Target

Area 1

Target

Area 2

Affordable Housing CDBG:

$1,000,000

Homeowner Housing

Rehabilitated:

50 Household Housing Unit

2 Infrastructure

Improvements

2015 2019 Non-Housing

Community

Development

Target

Area 1

Target

Area 2

Infrastructure

Improvements

Public Improvements-

CDBG:

$1,759,515

Public Facility or

Infrastructure Activities other

than Low/Moderate Income

Housing Benefit:

6000 Persons Assisted

3 Blight

Elimination

2015 2019 Blight Elimination Blight Elimination -

Neighborhood

Stabilization

CDBG:

$300,000

Buildings Demolished:

50 Buildings

4 Public Service

Activities

2015 2019 Non-Homeless

Special Needs

Public Service - Non-

housing Community

Development

Public transportation

CDBG:

$350,000

Public service activities other


Housing Benefit:


5 Public Facility

Improvements

2015 2019 Homeless

Non-Homeless

Special Needs

Public Facilities

Improvements

CDBG:

$300,000

Homelessness Prevention:


Table 53 – Goals Summary

Goal Descriptions



1 Goal Name Affordable Housing

Goal

Description

Provide affordable housing - Exterior home improvement program for qualified target area home owners.

2 Goal Name Infrastructure Improvements

Goal

Description

Rebuilding and improvement of streets and/or sidewalks.

3 Goal Name Blight Elimination

Goal

Description

To improve quality of life through elimination of blighting influences and improved health and safety. This goal promotes

sustainable neighborhoods by eliminating blighting influences and improving residents’ health and safety.

4 Goal Name Public Service Activities

Goal

Description

Supporting various public service agencies' programs. To provide financial support as well as technical assistance and

capacity building to nonprofit organizations that are engaged in providing various social services.

5 Goal Name Public Facility Improvements

Goal

Description

Improving infrastructure for various public service providers of the jurisdiction.

Estimate the number of extremely low-income, low-income, and moderate-income families to whom the jurisdiction will provide

affordable housing as defined by HOME 91.315(b)(2)

Exterior Home Improvement Program administered by the City of Kokomo's Department of Development will address affordable housing for

approximately 50 low-income, owner-occupied households within five years. The Exterior Home Improvement Program will help low-income

homeowners in the target areas make repairs to the outside of their homes to help preserve the home's integrity and value, and to preserve the

value of housing in their low-income neighborhood.



Following table below estimates the number of individuals, by income category, for which the City will provide affordable housing. This estimate

is based on the results in the Summary of Accomplishments report in recent CAPERs.

Income Categories Percentage Number of HH

0-30% 55% 28

31%-50% 35% 17

51%-80% 10% 5

Total 100% 50

* Note: Some programs are included in the 2015-2019 Consolidated Plan but are not funded in the 2015 Annual Action Plan.



SP-50 Public Housing Accessibility and Involvement – 91.215(c)

Need to Increase the Number of Accessible Units (if Required by a Section 504 Voluntary

Compliance Agreement)

The Kokomo Housing Authority is not required to increase number of Accessible Units by Section 504

Voluntary Compliance Agreement.

The needs of public housing tenants are relative to individual circumstances. However, KHA (Kokomo

Housing Authority) cannot ask applicants if they need anything to make unit accessible. The needs

of KHA residents from June 1, 2010 through October 1, 2014 have been met.

Activities to Increase Resident Involvements

Resident Services and Family Self-Sufficiency are high priorities for the Kokomo Housing Authority.

Resident initiatives include: Home ownership training available to both public housing and Section 8

residents. Home Work Club, Saturday University, and Summer Leadership Academy are available to all

school-age residents of public housing. Work-for-Rent program is available on a once-in-a- lifetime, six-

month limit to residents in public housing. Resident councils are established at Civic Center Tower, and

growing at Terrace Tower, Pine Valley, Dunbar Court, and Garden Square. Residents are encouraged to

partake in Section 3 employment trainings as offered.

Is the public housing agency designated as troubled under 24 CFR part 902?

No

Plan to remove the ‘troubled’ designation

Not applicable.



SP-55 Barriers to affordable housing – 91.215(h)

Barriers to Affordable Housing




Growth Controls: There are no impact fees or growth ordinances in effect at the present time.

Zoning: Existing zoning regulations and subdivisions controls are not excessive or restrictive to

affordable housing. Housing service providers, to the jurisdiction’s knowledge, have not experienced

any prohibitive zoning problems during their development.

Permit System: The Kokomo-Howard County Plan Commission requires improvement location

permits for substantial improvements to any lot or if the footprint of an existing structure is made

larger. Elevation certificates and special regulations apply for any improvement in or near the

floodplain. Building permits must be obtained from the City of Kokomo Building Inspection Department

if any alterations, remodeling or repairs are to be performed on existing units. The “One Stop Office”

also issues other housing-related permits. Both offices usually provide speedy issuance of permits and

are located two city blocks apart.

Housing Codes and Standards: Local building codes and standards do not require materials that are

inappropriate, too expensive or too restrictive. They do not contain costly or antiquated requirements.

For downtown overlay district, Kokomo does have architectural standards requirement.

New Construction: There are no barriers or restrictions on special types of new construction if the

construction conforms to local and state building codes.

Rent Controls: There are no local rent controls at the present time.

Strategy to Remove or Ameliorate the Barriers to Affordable Housing

The City has been working with private developers to increase supply of new affordable housing

units for seniors and income eligible residents of the jurisdiction. These developers will typically apply

for 9% tax credit housing projects to accommodate low income residents and city will work with them to

provide infrastructural support needed for such housing projects. Indiana Housing Community

Development Authority has recently approved rental housing tax credit for an affordable housing

project in low-mod income area. A 69- units, three story affordable housing complex will be built on the

east side of Apperson Way, located near Kokomo's downtown area.

The Analysis of Impediments contains discussions of all of the impediments as well as recommendations

and action steps.



SP-60 Homelessness Strategy – 91.215(d)

Reaching out to homeless persons (especially unsheltered persons) and assessing their

individual needs

Kokomo's Continuum of Care group meets monthly to consider the housing and supportive services

needed in each stage of the process which includes preventing homelessness, outreach/assessment,

emergency shelters and services, transitional housing, and helping homeless persons (especially any

persons that are chronically homeless) make the transition to permanent housing and independent

living. In 2014 Point-In-Time count, 198 people were reported homeless in Region 5, which included



Participating organizations and institutions in the CoC, through which the homelessness strategy will be

carried out include: Kokomo Housing Authority, Friendship Haven, Habitat for Humanity, Howard Haven

Residential Community. Kokomo Rescue Mission, Coordinated Assistance Ministries (CAM), Center

Township Trustee, Bona Vista Rehabilitation Services, Kinsey Youth Center, St. Joseph Trinity House,

Gilead House, Carver Community Center, Howard County Health Department, Howard Regional

Psychiatric Services, United Way Information and Referral, Kokomo Senior Citizens Center, Kokomo

Rescue Mission Open Arms, Salvation Army, Vocational Rehabilitation, Social Security Administration,

Howard County Court House Superior Court 1, Veterans service Office, Kokomo Police Department,

Family Service Association of Howard Co., Aspire Indiana, Indiana Housing and Community Development

Authority, Loving hands Adult Care, the City of Kokomo, and Homeward Bound.

Addressing the emergency and transitional housing needs of homeless persons

Local CoC membership includes representatives from a wide variety of agencies that have programs

with the potential to provide programs and services that can be employed as the group further develops

strategy for eliminating chronic homelessness, including helping homeless persons make the transition

to permanent housing and independent living. Some of them already do this for their clients.

Family Service Association's Domestic Violence Shelter provides emergency shelter for victims of

violence. In addition to emergency shelter, they provide non-residential services to victims of

violence. Eight Transitional Housing units for victims of family and domestic violence are also available.

Helping homeless persons (especially chronically homeless individuals and families, families

with children, veterans and their families, and unaccompanied youth) make the transition to

permanent housing and independent living, including shortening the period of time that

individuals and families experience homelessness, facilitating access for homeless individuals

and families to affordable housing units, and preventing individuals and families who were

recently homeless from becoming homeless again.



Efforts to increase coordination between housing providers, health, and service agencies in addressing

the needs of persons that are chronically homeless will occur through the CoC meetings. Primarily, there

are three agencies who work together to help homeless persons including individuals, families with

children, veterans and their families.

Kokomo Rescue Mission, Coordinated Assistance Ministries and Family Service Association provide

various programs that offer transitional housing and ensure their transition to permanent housing and

independent living. They have various programs that provide them opportunity to address underlying

issues that caused them to be homeless, provide short-term shelter, provide work-rehabilitation

program etc. to ensure their transition to permanent housing.

Local CoC members realize that program funding, especially for programs that focus on prevention, is

too low; yet, prevention is considered as possibly the most useful strategy to end homelessness. Mental

health and addiction services are also viewed as a gap in the Continuum of Care that the community

needs to address. Homeless individuals are also mentioned as an area of concern. A better screening

process to accompany shelter intake as a possible means of identifying those with additional mental

health needs has been suggested to address this issue.

Help low-income individuals and families avoid becoming homeless, especially extremely

low-income individuals and families who are likely to become homeless after being

discharged from a publicly funded institution or system of care, or who are receiving

assistance from public and private agencies that address housing, health, social services,

employment, education or youth needs

While local providers each have their own discharge policy, the CoC is working on developing a cohesive,

community-wide Discharge Coordination Policy.

Preventing homelessness for individuals and families with children who are at imminent risk of

becoming homeless will be addressed by service agencies that are part of the CoC's. The City of

Kokomo's assistance to such CoC's thru CDBG funding will enable them continue providing such services

to victims of domestic violence who are in danger of being homeless in absence of such facility. ESG

funds that CAM gets will target homelessness prevention (direct payment to services for their homeless

clients).



SP-65 Lead based paint Hazards – 91.215(i)

Actions to address LBP hazards and increase access to housing without LBP hazards

The City of Kokomo follows the U.S. Department of Housing and Urban Development (HUD) rules for

addressing lead based paint hazards when applying CDBG and other grant money. Effective September

15, 2000, Federal regulations require that lead hazard evaluation and reduction activities be carried out

for all CDBG funded projects receiving housing assistance that were constructed before January 1, 1978.

The City of Kokomo evaluates projects based on scale of work involved. Large rehabilitation projects

must meet more stringent requirements than smaller ones. The level of hazard reduction required

depends on the level of assistance provided with federal dollars, including CDBG funding.

Up to $5,000: Repair of paint disturbed during rehabilitation. Includes repairing disturbed paint and

applying a new coat of paint.

$5,000 - $25,000: Interim controls and standard treatments. Includes addressing friction and impact

surfaces, creating smooth and cleanable surfaces, encapsulation, removing or covering lead-based paint

components, and paint stabilization.

Over $25,000: Remediate. Remediation involves permanently removing lead-based paint hazards, often

through paint and component removal and enclosure.

The Kokomo Housing Authority (KHA) underwent a lead abatement program in 1989-1990 for their 556

public housing units. When the KHA underwent a lead-abatement program approximately in 1991, only

four of their six public housing complexes were required to undergo testing as their two downtown

complexes (Terrace Towers and Civic Center Towers) were built after 1978. Approximately 200 units in

the Gateway Gardens and Dunbar Court properties were abated from the dangers of lead poisoning at

that time.

Follow-up services are provided by the Health Department to include regular nursing visits to follow up

with children and families served. The Board of Health issues lead hazard control orders which are

strictly enforced.

How are the actions listed above related to the extent of lead poisoning and hazards?

In estimating the number of housing units within the city of Kokomo that may contain lead hazards

(those built prior to 1978), the available 2000 Census data was referenced on “Table DP-4, Profile of

Selected Housing Characteristics”, where the following information with respect to the total housing

units and age of the structure was found.(See LBP Table-1)

In the study, a nationally representative random sample of 1,984 housing units was drawn from 75

“randomly selected primary sampling units”. Out of that, 831 eligible units and their occupants



completed the survey, where questionnaires were used to determine the age and renovation history of

each unit, among other demographic factors. The results of the study indicated that 68% of homes built

before 1940 have a prevalence of lead-based paint hazards, in comparison to 43% for those built from

1940 to 1959, and only 8% from 1960 to 1977. Applying these percentages to local 2000 Census data,

we would estimate the following number of homes may contain lead hazards (See LBP Table-2). In

addition, the Howard County Health Department reports conducting 9 LBP lead risk assessments from

2010 until the current time, 6 revealed the presence of lead hazards.

How are the actions listed above integrated into housing policies and procedures?

Health Department personnel work in conjunction with the Kokomo Housing Authority, and Health

Department personnel are only called to assess the homes if there is reason to believe that the home

contains some hazards or that a child is suspected of having elevated blood lead levels.

The City’s policies and procedures outline that all housing rehabilitation projects include a lead-based

paint analysis, pre-testing and post-testing, and remediation as necessary. The City also revised and

rewrote its SOP manuals for the Exterior Home Improvement Program (EHIP). The EHIP is a matching

grant program to provide exterior rehabilitation for owner-occupied households in targeted

neighborhoods. As the program was developed, the City issued an RFP and contracted with an outside

LBP testing firm (Greentree Environmental, Inc.), to provide all lead paint inspections / risk assessments

and clearance examinations.

LBP Table-1



LBP Table-2



SP-70 Anti-Poverty Strategy – 91.215(j)

Jurisdiction Goals, Programs and Policies for reducing the number of Poverty-Level Families

Tackling poverty is one of the crucial factors in moderating social exclusion and improving the lives of

our citizens. Poverty leads to a cycle of hunger, housing challenges and crime in the community that is

often difficult to overcome. This strategy is crucial for demonstrating the City of Kokomo’s commitment

to tackling poverty. The City of Kokomo, in partnership with local neighborhood groups, service

providers and local foundations, will strive to help households stay out of poverty or become self-

sufficient and elevate themselves from living in poverty. The City of Kokomo has and will continue to

work with service providers, neighborhood groups and affordable housing developers to strive for the

reduction of households with incomes below the poverty line and to prevent others from falling below

the poverty level.

The City of Kokomo has been focused towards reducing the poverty rate of City families. City always

emphasize on meeting basic needs and stabilizing living situations, including increasing access to

affordable housing and to income supports; alleviating earned income to livable wage levels and

increasing and protecting asset accumulation and resident net worth.

The negative impact that poverty has on individuals is well-documented. Those who are living in poverty

are more likely to suffer from poor health, be the victim of domestic violence, and experience

homelessness. The impacts are even more pronounced in children. Children in poverty are more likely to

experience health problems, developmental delays and learning disabilities than their peers.

Additionally, the likelihood that a poor child will suffer more from emotional or behavioral problems is

greater than a child whose family does not face financial constraints.

The City consistently uses 15% of CDBG funds for public service programs geared towards improving

economic and social environment for low income individuals and families. Howard County Health

Department services and programs are offered throughout the City for all residents and include very low

co-payments. The City also relies on partnerships with nonprofit and other government agencies to

provide services to families living in poverty

The City of Kokomo offers different modes of transportation to its citizens. The City-Line Trolley, a free,

fixed bus route system operating Monday through Friday, 6:30A.M. to 7 P.M. and is funded using both

local and federal funds. The Spirit of Kokomo is the Complementary (Curb to curb/ Door to Door) Para-

transit system that offers transportation to seniors age 60+ and any person with a disability qualifying

under the ADA guidelines for Para-transit. The “Spirit of Kokomo" operates the same hours as the fixed

route system and is funded almost wholly by the City of Kokomo out of the General Fund.

How are the Jurisdiction poverty reducing goals, programs, and policies coordinated with this

affordable housing plan?



Through its housing programs, the City assists low and low-moderate income homeowners with

rehabilitation of exteriors of their homes, including energy-efficiency measures. This assistance can

prevent loss of homes and costly repairs that could greatly strain their funds.

The City's economic development staff work to provide loans and technical assistance for low to

moderate income entrepreneurs who want to move into business ownership but are turned down by

traditional banks for a loan. The program offers ongoing support to help them sustain their businesses.

The City, through its Department of Development, continues to foster relationships with organizations

that provide services aimed at moving poverty level individuals away from public assistance and towards

the ultimate goal of financial independence and personal stability. These organizations include

Coordinated Assistance Ministries (CAM), which operates day and night shelters for the homeless;

Family Service Association Domestic Violence Shelter; and the Kokomo Rescue Mission. At times, the

City has used CDBG funds to assist these organizations. The City also uses CDBG and other funds to

support educational opportunities such as for Head Start students, Very Early Childhood Education and

low-income college students. The City complies with HUD’s Section 3 program to increase employment

opportunities for low-and very low-income residents.

Other local agencies assisting poverty-level persons include Habitat for Humanity, the Salvation Army,

Howard County Medical Society (Project Access) and the Center Township Trustee. United Way’s

Information and Referral Office has maintained its valuable position as a clearinghouse for available

services to the needy.



SP-80 Monitoring – 91.230

Describe the standards and procedures that the jurisdiction will use to monitor activities

carried out in furtherance of the plan and will use to ensure long-term compliance with

requirements of the programs involved, including minority business outreach and the

comprehensive planning requirements

The Department of Development (DOD) has very detailed SOPs for Exterior Home Improvement

Program and Neighborhood Blight Removal Program. For non-DOD department programs receiving

CDBG funds, sub-recipient agreements are drawn up; LMC income and race/ethnicity data is collected

with submission of invoices, and staff reviews the data prior to payment. The City’s monitoring schedule

is outlined in a formal compliance document which also describes the monitoring processes, checklists,

databases, and reports required for each program. The City staff determines which sub-recipient to

be monitored for the current grant year by reviewing the current year Action Plan that is submitted to

HUD. City will conduct on-site monitoring visits to their sites to verify compliance with all federal

regulations and City policies.

Department of Development approves contractors for all projects using CDBG funds. DOD is responsible

for compliance with Davis-Bacon requirements; it reviews contracts for federal compliance; monitors

bid selection process, solicits bids from Minority/Women Business Enterprises; participates in pre-

construction conferences; does worksite interviews; reviews contractor payrolls; and reviews and

processes payments. Project selection includes assessment of eligibility according to HUD guidelines and

the City’s Consolidated Plan. Housing projects, with a mortgage and note, are kept and monitored for

the period of affordability.

In addition to conducting ongoing monitoring of long-term affordability requirements and annually

monitoring Subrecipient, the City also conducts a systematic evaluation of its own programs and

management systems to verify eligibility and compliance with applicable HUD regulations. When

conducting these internal reviews, the city utilizes IDIS reports, HUD Monitoring Exhibits, and HUD

training materials.



Expected Resources

AP-15 Expected Resources – 91.220(c)(1,2)

Introduction

The City of Kokomo has been recipient of Community Development Block Grant for years and has implemented number of infra-structure

projects, public facilities physical improvements projects and assisted various agencies with funding to carry out public service activities for the

benefit of Low-income and Low-mod citizens of the jurisdiction.

The City continues to be proactive in the area of grant research and the pursuit of non-CDBG funded programs that are specifically designed to

address the needs of those with low incomes and living in distressed areas. As always, the City pledges to continue the pursuit of new programs

and partnerships to help address the issues of affordable housing, homebuyer assistance and homelessness. With new and creative community

and economic development projects, the City will work diligently to achieve decent affordable housing and a suitable living environment and

strive to create more economic opportunities.

Anticipated Resources




Uses of Funds Expected Amount Available Year 1 Expected Amount Available Reminder of ConPlan

$


Allocation: $

Program Income:

$


$

Total: $

CDBG public -

federal

Acquisition

Admin and

Planning

Economic

Development

Housing

Public

Improvements

Public Services 749,515 0 0 749,515 0

Projection for next four years is based

on assumption of $740000 grant

amount per year.

Other public -

federal

Housing

Public

Improvements

Public Services

Other

749,515 0 0 749,515 2,960,000

Affordable Housing

$1,000,000Infra-Structure

Improvements $1,759,515 Blight

Elimination

$ 300,000 Public Service Activities

$ 350,000Public Facilities

Improvements $ 300,000

Table 54 - Expected Resources – Priority Table

Explain how federal funds will leverage those additional resources (private, state and local funds), including a description of how

matching requirements will be satisfied

The City of Kokomo provides development department staff's salaries, benefits and other operating expenses out of general fund thereby

pledging every dollar received from CDBG for the execution of community projects and to the benefit of citizens & agencies located within the

jurisdiction. Currently, there are no specific plans where CDBG funds will leverage any additional resources from private or state funds. Local

funds from the city will be utilized to pay for administration, engineering & design and other related expenses in carrying out CDBG related



activities.



If appropriate, describe publically owned land or property located within the jurisdiction that

may be used to address the needs identified in the plan

At this time, there are no plans to utilize any publically owned land or property to address needs

identified in the plan. However, the City has been paying and will continue to pay development

department staff's salary and benefits out of general funds, thereby utilizing every dollar received from

CDBG for the benefit of the public service needs and public service projects.



Annual Goals and Objectives

AP-20 Annual Goals and Objectives

Goals Summary Information

Sort Order

Goal Name Start Year

End Year

Category Geographic Area

Needs Addressed Funding Goal Outcome Indicator

1 Affordable

Housing

2015 2019 Affordable

Housing

Target

Area 1

Target

Area 2

Affordable Housing CDBG:

$100,000

Homeowner Housing

Rehabilitated: 10 Household

Housing Unit

2 Infrastructure

Improvements

2015 2019 Non-Housing

Community

Development

Target

Area 1

Infrastructure

Improvements

CDBG:

$569,515

Public Facility or Infrastructure

Activities other than

Low/Moderate Income Housing

Benefit: 2245 Persons Assisted

3 Blight

Elimination

2015 2019 Blight Elimination Target

Area 1

Target

Area 2

Blight Elimination -

Neighborhood

Stabilization

CDBG:

$20,000

Buildings Demolished: 5 Buildings

4 Public Service

Activities

2015 2019 Non-Homeless

Special Needs

Target

Area 1

Public Service - Non-

housing Community

Development

CDBG:

$60,000

Public service activities other


Housing Benefit: 324 Persons

Assisted

Table 55 – Goals Summary

Goal Descriptions



1 Goal Name Affordable Housing

Goal Description Create affordable housing by providing exterior home improvements to income qualified target area home owners.

2 Goal Name Infrastructure Improvements

Goal Description Street and sidewalk reconstruction and improvements.

3 Goal Name Blight Elimination

Goal Description Elimination of blighted and unsafe housing structures

4 Goal Name Public Service Activities

Goal Description Supporting various public service agencies' programs.



Projects

AP-35 Projects – 91.220(d)

Introduction

Following eligible projects/activities that will take place during the program year to address the priority

needs and specific objectives identified in the strategic plan include: Affordable housing; Infrastructure

Improvements; Blight Elimination and Public Service Activities.

The outcome measures for activities are: Affordability of Decent Housing –Units rehabilitated;

Availability/Accessibility of Suitable Living Environment – Number of persons assisted with improved

access; Affordability of Suitable Living Environment - Number of persons with new/improved access to a

service; and Sustainability of Suitable Living Environment - Number of blighted properties remediated.

Projects

# Project Name

1 Neighborhood Property Renewal Programs

2 Neighborhood Infrastructure Improvements

3 Neighborhood Blight Removal

4 Public Service Programs

Table 56 – Project Information



Describe the reasons for allocation priorities and any obstacles to addressing underserved needs

These geographic areas targeted for some of the CDBG funds are low-income neighborhoods on

Kokomo’s north side. As a result of designating the target areas to receive funds for the Exterior





historically distressed, low income neighborhoods and the City is hoping to revitalize and stabilize these


Infrastructure projects are primarily determined by the engineering department which can best

determine need. They are often done in support of other community projects such as the residence for

homeless veterans, a senior housing project and a Low Income Housing Tax Credit project.

They also take in to consideration feedback received from citizens and their representatives while

evaluating such projects.

Slum and blight projects are done in coordination with the City’s building inspection department that

determines severity of the problem properties and need for blight removal. In 2014-15, City was

awarded close to 3 million dollars in Blight Elimination Program Grant from State of Indiana. These funds

will also be utilized to remove blighted and uninhabitable structures throughout the city.

Public Service facility improvement projects and Public Service activities projects are determined based

on eligibility of each activity and recommendations from Citizens Review Commit



1 Project Name Neighborhood Property Renewal Programs

Target Area Target Area 1

Target Area 2

Goals Supported Affordable Housing

Needs Addressed Affordable Housing

Funding CDBG: $100,000

Description Housing rehabilitation for low-to-moderate income households. Projects

will include exterior home improvements for the properties located in

two local target areas. Eligibility Criteria Regulation: 570.202 National

Objective: LMH 570.208(a)(3)

Target Date 6/30/2016

Estimate the number

and type of families

that will benefit from

the proposed

activities

We expect to assist approximately 10 low-to-moderate income

households with exterior home improvement program.

Following table below estimates the number of individuals, by income

category, for which the City will provide affordable housing. This

estimate is based on the results in the Summary of Accomplishments

report in recent CAPERs.

Income Categories Percentage Number of HH

0-30% 55% 6

31%-50% 35% 3

51%-80% 10% 1

Total 100% 10

Location Description Within target areas designated in this plan.

Planned Activities Exterior home improvements for low-to-moderate income families.

2 Project Name Neighborhood Infrastructure Improvements


Goals Supported Infrastructure Improvements

Needs Addressed Infrastructure Improvements


Description Street and sidewalk improvements on Mulberry Street, Jay Street,

Apperson Way, Jefferson Street and Bell Street. Eligibility Criteria

Regulation: 570.201(c) National Objective: LMA 570.208(a)(1)




Estimate the number



the proposed

activities

Low-to-moderate income households and residents. Approximately 2680

low-moderate income citizens will benefit from these improvements.

Location Description Mulberry Street, Apperson Way, Jefferson Street, Bell Street and Jay

Street.

Planned Activities Street and sidewalk improvements.

3 Project Name Neighborhood Blight Removal


Target Area 2

Goals Supported Blight Elimination

Needs Addressed Blight Elimination - Neighborhood Stabilization


Description Demolition of abandoned and unsafe structures. Eligibility Criteria

Regulation: 570.201(d) National Objective: SBS 570.208(b)(2)


Estimate the number



the proposed

activities

Planning to eliminate approximately 5 residential structures belonging to

low-moderate income households.

Location Description Scattered city-wide.

Planned Activities Eliminate blighted and/or unsafe residential structures.

4 Project Name Public Service Programs


Goals Supported Public Service Activities

Needs Addressed Public Service - Non-housing Community Development


Description Supporting various public service agencies engaged in providing essential

services within the jurisdiction. Eligibility Criteria Regulation: 570.201(e)

National Objective: LMC 570.208(a)(2)




Estimate the number



the proposed

activities

Approximately 324 low-moderate income individuals will benefit from

these programs.

Location Description 700 E. Firmin Street, 406 E. Sycamore Street and 618 S. Main Street in

Kokomo, IN

Planned Activities Various activities planned involve providing shelter to victims of

domestic violence, providing job-readiness training to reentering

offenders and educational services to children of early ages belonging to

low-moderate income families.



AP-50 Geographic Distribution – 91.220(f)

Description of the geographic areas of the entitlement (including areas of low-income and

minority concentration) where assistance will be directed

Target area-1 is a low-income neighborhood in a north-central area of Kokomo that encompasses a

portion of the high-minority concentration area. With establishment of this target area and making

improvements to residential properties there that are occupied by low-income persons, the City hopes

to make an impact that will protect housing values and create a synergistic effect whereby other owners

are encouraged to improve their properties. This target area is bounded on the north by Madison Street,

on the east by Delphos Street, on the south by Walnut Street and Taylor Street, and on the west by

Indiana Avenue and Union Street. Low-mod percentages for this target area are: CT2 BG1 = 63%; CT2

BG2 = 74%, CT2 BG3 = 69%, CT5 BG1 = 53%; and CT5 BG4 = 82%.

Target area-2 is also located near the original target area-1 and closer to downtown business district. As

with establishment of the first target area and making improvements to residential properties there that

are occupied by low-income persons, the City hopes to make an impact that will protect housing values

and create a synergistic effect whereby other owners are encouraged to improve their properties. The

new area is bounded roughly by Vaile Avenue on the north, on the east by Union Street, on the south by

Harrison Street, and on the west by Main Street. The low-mod percentage for this area is CT9 BG1 =

65.7%.

Geographic Distribution

Target Area Percentage of Funds

Target Area 1 64

Target Area 2 8

Table 57 - Geographic Distribution

Rationale for the priorities for allocating investments geographically

These geographic areas that will be targeted for some of the CDBG funds are low-income neighborhoods

on Kokomo’s north side. As a result of designating the target areas to receive funds for the Exterior





historically distressed, low income neighborhoods and the City is hoping to revitalize and stabilize these


Infrastructure projects are primarily determined by the engineering department which can best

determine need. They are often done in support of other community projects such as the residence for

homeless veterans, a senior housing project and a Low Income Housing Tax Credit project.



They also take in to consideration feedback received from citizens and their representatives while

evaluating such projects.

Slum and blight projects are done in coordination with the City’s building inspection department that

determines severity of the problem properties and need for blight removal.

Discussion

Some of the project funds are directed towards citywide service agencies. These funds are not counted

as part of target area percentages. Since those projects can assist people inside and outside of the target

areas, it is difficult to predict how much funding will be utilized in target areas at this time.

Also, funds allocated for blight elimination are not specific to any target area. They are utilized to

remove blighted properties based on recommendation from building inspection department, depending

upon the condition of the housing structure. However, these funds are utilized for elimination of

blighted properties located within the city limit.



Affordable Housing

AP-55 Affordable Housing – 91.220(g)

Introduction

Exterior Home Improvement Program administered by the City of Kokomo’s Department of

Development will address affordable housing for approximately 10 low-income, owner-occupied

households each year. The Exterior Home Improvement Program will help low-income homeowners in

the target areas make repairs to the outside of their homes to help preserve the home’s integrity and

value, and to preserve the value of housing in their low-income neighborhood. As a result of funding

from CDBG funds, Domestic Violence Shelter will be able to serve about 225 clients in coming year.

Indiana Housing Community Development Authority has recently approved rental housing tax credit for

an affordable housing project in low-moderate income area. A 69- units, three story affordable housing

complex will be built on the east side of Apperson Way, located near Kokomo's downtown area.

One Year Goals for the Number of Households to be Supported

Homeless 225

Non-Homeless 0

Special-Needs 0

Total 225

Table 58 - One Year Goals for Affordable Housing by Support Requirement

One Year Goals for the Number of Households Supported Through

Rental Assistance 0

The Production of New Units 0

Rehab of Existing Units 10

Acquisition of Existing Units 0

Total 10

Table 59 - One Year Goals for Affordable Housing by Support Type

Discussion

The City also intends to pursue private developers who are interested in production of new affordable

housing units in the areas with high concentration of low and low-moderate income residents. The City

intends to continue providing funding to Domestic Violence Shelter and others CoC service providers

that will enable them to continue and increase services provided to homeless and non-homeless

populations.



AP-60 Public Housing – 91.220(h)

Introduction

The City has assisted the Kokomo Housing Authority in producing its five-year Environmental Review for

2010-2014. The Kokomo Housing Authority has developed programs for addressing the needs of public

housing and activities to encourage public housing residents to become more involved in management

and participate in homeownership.

The City and Kokomo Housing Authority work very closely to address public housing needs for

Kokomo area and has weekly meeting with administration to assess and improve services provided to

target population.

Actions planned during the next year to address the needs to public housing

Capital improvements are a high priority for the Kokomo Housing Authority. KHA also plans to address

Safety/Crime Prevention/Drug Elimination measures and will allocate about 13% of the overall budget.

KHA also plans to improve community quality of life and economic vitality by maintaining an improved

living environment through implemented public housing security improvements; and by continuing to

provide a smoke free environment in all public housing buildings and units.

Furthermore, to increase the availability of decent, safe and affordable housing, KHA plans

improvements to current properties through Asset Management Programs.

Actions to encourage public housing residents to become more involved in management and

participate in homeownership

KHA is planning to increase assisted housing choices by providing voucher mobility counseling and

conducting outreach efforts to potential voucher landlords.

Promote self-sufficiency and asset development of families and individuals through promoted

programing for self-sufficiency and asset development of assisted households. This will increase the

number and percentage of employed persons in assisted families by providing or attracting supportive

services to improve assistance for recipients’ employability, and by providing or attracting supportive

services to increase independence for the elderly or families with disabilities.

The Kokomo Housing Authority is committed to helping their residents work toward self-sufficiency and

has created a department consisting of the Family Self-Sufficiency and Homeownership Coordinators for

both the LIHP and HCV programs, allowing them to work closely together in program development and

implementation.



If the PHA is designated as troubled, describe the manner in which financial assistance will be

provided or other assistance

The Kokomo Housing Authority is not designated as "troubled"

Discussion

The Kokomo Housing Authority is committed to provide low-income families, seniors and persons with

disabilities access to decent, safe, affordable housing in Kokomo. In the midst of a recovering housing

market, KHA is focused on exploring innovative and diverse solutions in a constant effort to serve as

many Kokomo families as possible, as fully as possible. With 155 households waiting for public housing

and 59 households waiting for Housing Choice Vouchers, the Indianapolis Housing Agency is aware and

committed to addressing the demand for additional affordable housing.



AP-65 Homeless and Other Special Needs Activities – 91.220(i)

Introduction

In 2015, three agencies (the Kokomo Rescue Mission, Coordinated Assistance Ministries and the

Domestic Violence Shelter) that provide emergency and transitional homeless shelters with supportive

services will continue to do so. Family Service Association of Howard County, Inc. has opened new

Jackson Street Commons supportive housing residences for homeless veterans. Additionally, local

providers of homeless shelters, other housing providers and service providers are part of the Region 5

Planning Council under the auspices of the Indiana Housing and Community Development Authority

(IHCDA) which gives them guidance on developing local policies and procedures and in structuring how

to meet local homeless needs. Local agencies also contract with IHCDA for funds available through other

federal programs.

In 2014 Point-In-Time count, 198 people were reported homeless in Region 5, which included



Describe the jurisdictions one-year goals and actions for reducing and ending homelessness

including

Reaching out to homeless persons (especially unsheltered persons) and assessing their

individual needs

Kokomo's Continuum of Care group meets monthly to consider the housing and supportive services

needed in each stage of the process which includes preventing homelessness, outreach/assessment,

emergency shelters and services, transitional housing, and helping homeless persons (especially any

persons that are chronically homeless) make the transition to permanent housing and independent

living.

The City will continue to work with United Way of Howard County that provides services to this

population group in finding appropriate accommodation until long term solution has been found. The

City is planning to continue providing assistance to Family Service Association's Domestic Violence

Shelter that, in turn provide services to victims who are in imminent danger of becoming homeless. The

City also will continue to maintain an association with Kokomo Rescue Mission and Coordinated

Assistance Ministries that directly work and reach out to homeless, unsheltered persons.

Addressing the emergency shelter and transitional housing needs of homeless persons

While the City does not always provide funds directly to agencies providing specific assistance

to homeless populations, communications with these agencies will continue and, as needs arise,

participation in future ventures will be considered. The supportive housing project for homeless

veterans that opened its door in 2014 has also received infrastructure and project construction



assistance with CDBG funding.

Local CoC membership includes representatives from a wide variety of agencies that have programs

with the potential to provide programs and services that can be employed as the group further develops

strategy for eliminating chronic homelessness, including helping homeless persons make the transition

to permanent housing and independent living. Some of them already do this for their clients.

Helping homeless persons (especially chronically homeless individuals and families, families

with children, veterans and their families, and unaccompanied youth) make the transition to

permanent housing and independent living, including shortening the period of time that

individuals and families experience homelessness, facilitating access for homeless individuals

and families to affordable housing units, and preventing individuals and families who were

recently homeless from becoming homeless again

Efforts to increase coordination between housing providers, health, and service agencies in addressing

the needs of persons that are chronically homeless will occur through the CoC meetings. Primarily, there

are three agencies who work together to help homeless persons including individuals, families with

children, veterans and their families. Kokomo Rescue Mission, Coordinated Assistance Ministries and

Family Service Association provide various programs that offer transitional housing and ensure their

transition to permanent housing and independent living.


becoming homeless will be addressed by service agencies that are part of the CoC and through the City

of Kokomo’s assistance to such CoC’s thru CDBG funding which will enable them continue providing such

services to victims of domestic violence who are in danger of being homeless in absence of such facility.

The City has provided assistance to Family Service Association and intends to support them in future to

maintain and increase services they provide to this population group.

Helping low-income individuals and families avoid becoming homeless, especially extremely

low-income individuals and families and those who are: being discharged from publicly

funded institutions and systems of care (such as health care facilities, mental health facilities,

foster care and other youth facilities, and corrections programs and institutions); or, receiving

assistance from public or private agencies that address housing, health, social services,

employment, education, or youth needs


becoming homeless will be addressed by service agencies that are part of the CoC's. The City of

Kokomo's assistance to such CoC's thru CDBG funding will enable them continue providing such services

to victims of domestic violence who are in danger of being homeless in absence of such facility.

In addition to services provided by CoC member agencies, the City of Kokomo has Exterior Home



Improvement Program for extremely low and low-moderate income individuals and families. This helps

them to keep their properties in good condition and reduce future maintenance costs to allow them to

stay in their homes. Homeless facilities have increased the capacity to serve the homeless in the past

five years with new, separate, emergency shelters for men, women and families. The increase in total

capacity has significantly decreased the likelihood of an unsheltered population from occurring.

The City also has provided CDBG funding to Very Early Childhood Education Center (VECEC) that is

committed to providing early educational services to children of younger ages who belong to low and

low-moderate income families. These families and children primarily reside either in public housing

complexes/scattered sites or are enrolled in youth programs exclusively designed for income eligible

families.

Discussion

The City of Kokomo formulated the Consolidated Plan Goals and the Action Plan Goals with the goals

and action plan feedback provided by local CoC members. This plan aligns with CoC’s plan of action to

tackle the issue of homelessness and the needs of the homeless population. Our local CoC members

work diligently with stakeholders and homeless individuals to develop these strategies and set up

necessary projects to be funded to address the needs in the community.



AP-75 Barriers to affordable housing – 91.220(j)

Introduction:

The cost of housing or the incentives to develop, maintain or improve affordable housing are not

impeded by public policies, particularly those of the local jurisdiction. There have been no identified

serious impediments to opportunities for producing rental housing, promoting new homeownership

opportunities, alleviating overcrowding or meeting the needs of an underserved population. There are

no excessive, exclusionary or discriminatory policies, rules or regulations that might constitute barriers

to affordability.

Actions it planned to remove or ameliorate the negative effects of public policies that serve

as barriers to affordable housing such as land use controls, tax policies affecting land, zoning

ordinances, building codes, fees and charges, growth limitations, and policies affecting the

return on residential investment

The City has been working with private developers to increase supply of new affordable housing

units for seniors and income eligible residents of the jurisdiction. These developers will typically apply

for 9% tax credit housing projects to accommodate low income residents and city will work with them to

provide infrastructural support needed for such housing projects. Indiana Housing Community

Development Authority has recently approved rental housing tax credit for an affordable housing

project in this area. A 69- units, three story affordable housing complex will be built on the east side of

Apperson Way, located close to Kokomo downtown area.

Discussion:

Local and state regulations on zoning and buildings are often the most recognized barriers to affordable

housing. The Analysis of Impediments did not find any types of zoning requirements that would impose

limits on new housing developments. The City of Kokomo will continue to work on educating the public

and civic leaders about importance of affordable housing and attract additional subsidy to overcome

high cost of housing redevelopment over the long term.



AP-85 Other Actions – 91.220(k)

Introduction:

Through the City’s housing programs, the presence of lead-based paint will be evaluated, and care will

be taken in rehabilitation/repair to follow lead-safe practices. The City will also continue working, as

reasonable, with other agencies and organizations to reduce the number of poverty-level families

develop institutional structure and enhance coordination between public and private agencies. The City

will continue to pursue private investment and tax-credit options to increase supply of affordable

housing in the jurisdiction. The City also intends to continue providing free transportation to all

residents of the area, especially to disadvantaged population, who will be able to utilize these services

for commuting to work as well as other places like grocery stores and medical care facilities.

Actions planned to address obstacles to meeting underserved needs

The biggest obstacle for meeting underserved needs is lack of sufficient resources. The City staff will

continue to pursue other grants to increase funding capacity in order to provide additional services.

The City is planning to continue its Exterior Home Improvement Program to provide decent housing to

low and low-moderate income residents of the target areas. The City will also continue to focus on

blight elimination to make neighborhoods more sustainable and safe. The City will continue to partner

with area CoC service providers to continue and increase services provided to homeless persons,

veterans and victims of domestic violence.

Actions planned to foster and maintain affordable housing

The City will comply with all CDBG program requirements to ensure timely and efficient use of HUD

resources to maximize affordable housing in the City. The City has been working with private developers

to increase supply of new affordable housing units for seniors and income eligible residents of the

jurisdiction. These developers will typically apply for 4% or 9% tax credit housing projects to

accommodate low income residents and city will work with them to provide infrastructural support

needed for such housing projects.

Actions planned to reduce lead-based paint hazards

Under the City of Kokomo’s neighborhood property renewal programs, standard operating procedures

ensure that the HUD Lead Safe Housing Rule is followed, and that lead-safe work practices are used on

all housing rehabilitation projects that disturb painted surfaces. Housing clients in the CDBG housing

programs will continue to receive the HUD required informational pamphlet “Protect Your Family From

Lead In Your Home,” in addition to “About Lead In The Home” and “Help Yourself to a Healthy Home”

which provides valuable information on other environmental issues such as allergies, mold, indoor air

quality, pesticides, radon, etc.



Actions to evaluate and reduce the number of housing units containing lead-based paint hazards

includes contracting with an environmental testing company. The company routinely provides lead paint

risk assessments, clearance testing and reports for all pre-1978 housing units assisted through the CDBG

Exterior Home Improvement Program and Neighborhood Stabilization Program (NSP). Additional efforts

are also made to increase the availability of certified contractors through the reimbursement of for

educational fees, in order to obtain the proper LBP certifications. This incentive has worked well in the

past and encourages contractor participation in federally-assisted programs.

Actions planned to reduce the number of poverty-level families

The City of Kokomo will continue working with service providers and affordable housing developers to

strive for the reduction of households with incomes below the poverty line and to prevent others from

falling below the poverty level. Through its owner-occupied housing program, the City assists low- and

moderate-income homeowners with rehabilitation of exteriors of their homes, including energy-

efficiency measures. This assistance can prevent loss of homes and costly repairs that could greatly

strain their funds in addition to preserving their home’s value.

The City, through its Department of Development, continues to foster relationships with

organizations that provide services aimed at moving poverty level individuals away from public

assistance and towards the ultimate goal of financial independence and personal stability. These

organizations include Coordinated Assistance Ministries (CAM), which operates day and night shelters

for the homeless; Family Service Association Domestic Violence Shelter; Family Service Association’s

Jackson Street Commons, supportive housing for homeless veterans; and the Kokomo Rescue Mission.

At times, the City has used CDBG funds to assist these organizations. Other local agencies assisting

poverty-level persons include Habitat for Humanity, the Salvation Army and the Center Township

Trustee. United Way’s Information and Referral Office has maintained its valuable position as a

clearinghouse for available services to the needy.

Actions planned to develop institutional structure

The institutional structure with which the jurisdiction will work consists of the City of Kokomo working

together with community service and non-profit providers (including faith-based organizations) and City

and other governmental and public institutions. These include, but are not limited to, Bona Vista

Rehabilitation Services; Carver Community Center; Center Township Trustee; Coordinated Assistance

Ministries (CAM); Family Service Association; FSA Domestic Violence Shelter; Very Early Childhood

Educational Center; Howard County Governmental Coordinating Council; the Kokomo YMCA; Kokomo-

Howard County Planning Commission; Kokomo Housing Authority; Kokomo Parks and Recreation

Department; Kokomo Police Department; Kokomo Rescue Mission; Kokomo Senior Citizens Center

and United Way of Howard County.

The City maintains a healthy and ongoing relationship with these and other organizations and interacts

with them in a variety of ways. The City’s Department of Development maintains ongoing contacts with



private businesses and works with them on economic development commercial and industrial projects.

The Department also provides programs related to job creation/retention, technical assistance and

micro-enterprise assistance.

Actions planned to enhance coordination between public and private housing and social

service agencies

Kokomo’s Continuum of Care is the primary way housing providers and social service providers may be

able to connect. The group is open to the input from developers and service providers alike when it

comes to the provision of affordable housing for those earning extremely low incomes.

Development staff is planning on following up with such private housing providers and social service

agencies on regular basis to assess their needs and to monitor their progress in case they are recipient

of CDBG grant. The City also plans to stay in communication with private developers to seek

opportunities to increase supply of affordable and market rate housing in jurisdiction.

Discussion:

The City of Kokomo’s Annual Action Plan will address majority of the issues noted in the previous

discussion. The City is committed to ensuring fair housing choice for all residents within its jurisdiction.

The Analysis of Impediments did not find any types of zoning policies that impose limits on housing, such

as limits on siding or appearance of housing and its design. The City of Kokomo will take appropriate

actions to overcome the effects of the impediments identified within this plan and maintain records

reflecting the analysis and actions taken.



Program Specific Requirements

AP-90 Program Specific Requirements – 91.220(l)(1,2,4)

Introduction:

The City does not expect any program income in 2015 financial year. The City did receive program

income of $2204.50 in FY 2014 which has been applied towards subsequent invoices for the Owner

Occupied Exterior Home Improvement Program. The City does not have a section 108 loan program. The

City has not received any funds from an urban renewal settlement for community development and

housing activities. The City has had no grant funds returned to the line of credit for which the planned

use has not been included in a prior statement of plan.

Community Development Block Grant Program (CDBG) Reference 24 CFR 91.220(l)(1)

Projects planned with all CDBG funds expected to be available during the year are identified in the Projects Table. The following identifies program income that is available for use that is included in projects to be carried out.

1. The total amount of program income that will have been received before the start of the next

program year and that has not yet been reprogrammed 0

2. The amount of proceeds from section 108 loan guarantees that will be used during the year to

address the priority needs and specific objectives identified in the grantee's strategic plan. 0

3. The amount of surplus funds from urban renewal settlements 0

4. The amount of any grant funds returned to the line of credit for which the planned use has not

been included in a prior statement or plan 0

5. The amount of income from float-funded activities 0

Total Program Income: 0

Other CDBG Requirements 1. The amount of urgent need activities 0

2. The estimated percentage of CDBG funds that will be used for activities that

benefit persons of low and moderate income. Overall Benefit - A consecutive

period of one, two or three years may be used to determine that a minimum

overall benefit of 70% of CDBG funds is used to benefit persons of low and

moderate income. Specify the years covered that include this Annual Action Plan. 80.00%

Discussion:

City is opting for 3 year consecutive period (2014, 2015, 2016) for minimum overall benefit

determination.



Citizen Participation Comments

Summary of Comments

Public Hearing # 1

The first person to offer comment was Kokomo common council member Cindy Sanders. Councilwoman

Sanders asked questions about the allocation of funds and the use of funds for stormed damaged

properties.

Councilman Tom Miklik talked about a pocket subdivision in his district, Sycamore Village and the need

for home repair. Councilman Miklik shared his concerns for the long-term in the area.

The next speaker was Ruth Lawson from Coordinated Assistance Ministries (CAM) spoke about how

CDBG has helped her organization in the past, including the Family Hope Center. She explained how the

center has replaced a single supervisor with a family who supervises and assists the families at the

center. She indicated that she would be requesting assistance for a youth shelter, which would assist

people age 18 to 25.

The final speaker was Reba Harris from The Gilead House. Reba spoke about two service programs her

organization would like help with. The first was a re-entry program for felons. She indicated that in the

coming year between 350 to 400 inmates would be coming back to the community. The other program

was Aiming for Success, which assists felons with gaining long-term employment.



Summary of Comments

Citizens Review Committee Meeting

Marilyn Skinner from the Very Early Childhood Education Center offered an overview of what the agency

does. The VECEC provides early childhood services to low-mod income clients. Generally VECEC clients

are those who already use services like public housing or Bona Vista and are already required to report

on income levels and such things. About 1,500 families have been served so far.

Reba Harris and Jenny Mykkanen explained the details of the program. The Gilead House project, Aiming

for Success, serves people coming out of incarceration who are seeking employment. The program

provides clients with basic skills for seeking gainful employment. Everyone who is served by the program

is from Kokomo. It is the only pre-employment program of its type available in the area.

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