middletown plan
DESCRIPTION
The Economic Recovery Plan of Middletown, Ohio from the Great Recession of 2008. Then the fastest declining city in the Nation, Middletown has replaced it's entire city council in one election, and has made mild progress toward becoming a more desirable place to live.TRANSCRIPT
-
20102014
ConsolidatedPlan
February10,2010Draft CityofMiddletownOneDonhamPlazaMiddletown,OH45042PreparedbyTraining&DevelopmentAssociates,Inc.incooperationwiththeCityofMiddletownDepartmentofCommunityRevitalization
-
CityofMiddletown,Ohio 20102014ConsolidatedPlan
1DRAFT(1/4/2010)
CONTENTSCONTENTS.......................................................................................................................................1
GENERAL.........................................................................................................................................6ExecutiveSummary.........................................................................................................................6StrategicPlan..................................................................................................................................8GeneralQuestions........................................................................................................................11ManagingtheProcess(91.200(b))................................................................................................17CitizenParticipation(91.200(b))...................................................................................................18InstitutionalStructure(91.215(i)).................................................................................................24PriorityNeedsAnalysisandStrategies(91.215(a)).......................................................................26LeadbasedPaint(91.215(g))........................................................................................................30
HOUSING.......................................................................................................................................31HousingNeeds(91.205)................................................................................................................31PriorityHousingNeeds(91.215(b))..............................................................................................37HousingMarketAnalysis(91.210)................................................................................................38SpecificHousingObjectives(91.215(b)).......................................................................................51NeedsofPublicHousing(91.210(b))............................................................................................56PublicHousingStrategy(91.210)..................................................................................................58BarrierstoAffordableHousing(91.210(e)and91.215(f))............................................................60
HOMELESS.....................................................................................................................................64HomelessNeeds(91.205(b)and91.215(c)).................................................................................64PriorityHomelessNeeds...............................................................................................................67
-
2DRAFT(1/10/2010)
HomelessInventory(91.210(c))....................................................................................................67HomelessStrategicPlan(91.215(c)).............................................................................................67
COMMUNITYDEVELOPMENT.......................................................................................................74CommunityDevelopment(91.215(e))..........................................................................................74AntipovertyStrategy(91.215(h))..................................................................................................76
NONHOMELESSSPECIALNEEDS..................................................................................................79SpecificSpecialNeedsObjectives(91.215)..................................................................................79NonhomelessSpecialNeeds(91.205(d)and91.210(d))Analysis...............................................79
-
3DRAFT(1/10/2010)
LISTOFFIGURES
FIGURE1.AREAMAP....................................................................................................................12
FIGURE2.DEMOGRAPHICS...........................................................................................................13
FIGURE3.RECENTUNEMPLOYMENTTRENDS.............................................................................16
FIGURE4.LMICENSUSTRACTS....................................................................................................17
FIGURE5.HOUSINGGROWTH......................................................................................................40
FIGURE6.SINGLEFAMILYNEWHOUSEBUILDINGPERMITS.......................................................40
FIGURE7.VACANCYRATES...........................................................................................................41
FIGURE8.BUILDINGPERMITACTIVITY.........................................................................................43
FIGURE9.HOMEOWNERSHIPRATES...........................................................................................45
FIGURE10.FORECLOSURES..........................................................................................................61
FIGURE11.FORECLOSURES(JAN06TOJUNE08)......................................................................62
FIGURE12.TOTALOHIOHOMELESS.............................................................................................66
FIGURE13.POPULATIONOVER50DISTRIBUTED.........................................................................83
-
4DRAFT(1/10/2010)
ListofTables
TABLE1.POPULATIONDISTRIBUTION..........................................................................................14
TABLE2.LABORFORCE.................................................................................................................15
TABLE3.LMIINFORMATION........................................................................................................17
TABLE4.HOUSINGPROBLEMSFORALLHOUSEHOLDS...............................................................33
TABLE5.HOUSEHOLDBYTYPE,INCOME,&HOUSINGPROBLEM...............................................35
TABLE6.OWNERHOUSEHOLDS...................................................................................................36
TABLE7.PRIORITYHOUSINGNEEDS(HOUSEHOLDS)..................................................................38
TABLE8.HOUSINGMIX.................................................................................................................40
TABLE9.HOUSINGAGE................................................................................................................41
TABLE10.RENTALHOUSING........................................................................................................42
TABLE11.HOUSINGAFFORDABILITY............................................................................................44
TABLE12.NUMBEROFHOMESALES...........................................................................................45
TABLE13.MEDIANSALEPRICE.....................................................................................................46
TABLE14.HOMESALEVARIATION...............................................................................................46
TABLE15.HOMESALEPRICEVARIATION.....................................................................................47
TABLE16.HOMESALETRENDS.....................................................................................................47
TABLE17.AGGREGATEHOMESALEAMOUNT(20062007)........................................................48
TABLE18.AGGREGATEHOMESALEAMOUNT(20082009Q1)...................................................48
-
5DRAFT(1/10/2010)
TABLE19.BUTLERMETROPOLITANHOUSINGAUTHORITYINVENTORY.....................................49
TABLE20.PRIVATELYOWNEDPROPERTIES(LOWINCOMEHOUSINGTAXCREDIT)...................50
TABLE21.PRIVATELYOWNEDPROPERTIES(OTHERASSISTEDPROPERTIES.............................50
TABLE22.PRIORITYNEED6ADEQUATE,SAFE&AFFORDABLEHOUSING...............................52
TABLE23.TARGETREVITALIZATIONNEIGHBORHOODSOVERALLSTRESS..............................53
TABLE24.PAVEMENTRATINGSOFCITYSTREETS.......................................................................54
TABLE25.CODEENFORCEMENT/REHABILITATIONPOLICIES.....................................................55
TABLE26.HOUSINGNEEDSOFFAMILIESINTHEBUTLERCOUNTYBYINCOME.........................57
TABLE27.HOUSINGNEEDSOFFAMILIESINTHEBUTLERCOUNTYBYETHNICITY......................57
TABLE28.HOUSINGNEEDSOFFAMILIESONPUBLICHOUSINGWAITINGLIST..........................57
TABLE29.FINANCIALINSTITUTIONSINMIDDLETOWN...............................................................63
TABLE30.POINTINTIMEHOMELESSPERSONSCOUNTFORBUTLERANDWARRENCOUNTIES.......................................................................................................................................................65
TABLE31.TOTALHOMELESSBYCONTINUUMOFCARE..............................................................65
TABLE32.NONHOUSINGCOMMUNITYDEVELOPMENTNEEDS.................................................74
TABLE33.PRIORITYNEED1PENDING.......................................................................................75
TABLE34.ELDERLY,INCLUDINGFRAILELDERLY...........................................................................80
TABLE35.DISABLEDPOPULATIONSIN2008................................................................................81
TABLE36.PERSONSLIVINGWITHHIV/AIDSBYYEAR..................................................................83
-
6DRAFT(1/10/2010)
GENERALExecutiveSummaryTheCityofMiddletown,Ohiowasrecentlyrankedthe10thFastestDyingTownintheUnitedStatesaccordingtoForbesmagazine.1Inthewakeofthehousingmarketcollapseandthedecreaseinavailablecredit,theCityhasasubstantialoversupplyofvacantundesirablehousingleadingtoalmostcompletedisinvestmentinsomeneighborhoods.TheCitycurrentlyhasalmost2000vacanthousingunits,representingalmost9%ofthetotalavailablehousingstockintheCity.Manyofthevacanthomesapproach100yearsoldandarefunctionallyobsoletebyoutdatedconstructionstandardsincluding;
Leadbasepaintcontamination Moldfromwaterleaksresultingfrompoormaintenance Unacceptableenergyefficiency frompoor insulationpracticesduringconstruction,
deterioratedwindows,andlowefficiencyheatingunits Inadequateelectricalserviceandprotection Insufficientbedroomsandbathrooms Smalllivingspaces Smalllotsizes
Theseolderfunctionallyobsoletehomesareoftenclustered,encouragingdisinvestmentinentireareasoftheCity.Duringthepastfiveyears,theCityincreasedthenumberofSection8voucherstoassistlowincomeresidents,toreducevacancyratesofolder,lessdesirablehomesnolongerbeingusedforsinglefamilyownerresidences,andtoensurethatthoseolderhomesremainedcompliantwiththeCityshousingcode(IPMC).TheCityincreasedthenumberofLowIncomeTaxCreditpropertiesoverthesametimeperiod.Asaresult,theCitynowhasover3600subsidizedhousingunits,representing15%ofourtotalhousingstock.Withalmost2000vacanthousingunitsand3600subsidizedhouseholds,theCityofMiddletownhasapproximately25%ofitspropertiesnotfinanciallysupportingvitalcityservicesthroughincomeand/orpropertytaxes.AdditionallyMiddletownhasnearlydoubledigitunemployment,and38%ofthepopulationiseithertooyoungortoooldtobeconsideredpartoftheworkforce.Asaresult,manyofourneighborhoodsnolongerfunctionastheyshould.Thedeteriorationofneighborhoodshasresultedinanincreaseincrimeanddemandforservicesfrompoliceandfire2;additionally,theseneighborhoodshavefailedtofinancially1America'sFastestDyingTownsTenspotswherejobsarevanishing,incomesaredroppingandpovertylevelsarerising.MattWoolsey,ForbesMagazine,December9,2008;http://www.forbes.com/2008/12/08/townsteneconomyforbeslifecx_mw_1209dying.html,accessed06/12/09.2Overthe lastdecade,theCityofMiddletownhasreducedactivepatrolpolicemenby13officerswhilecallsforserviceandreportedcrimehasescalatedaboveStateandNationalaverages.
-
7DRAFT(1/10/2010)
supportvitalinfrastructuremaintenanceneedsforroadsandparks.Theresulthasbeenareductioninvitalcityservicesandadeterioratedinfrastructure.Thisplanisdesignedtostarttheprocessofreversingthattrend.Forthepast30years,theCityofMiddletownhasfundedawidevarietyofpriorityneedsandprograms.ThecentralpieceoftheCDBGprogramhasbeenhousingrehabilitation.TheexecutionhasbeenashotgunapproachinlowmodareasthroughouttheCity.Whiletheimpacttoindividualhomeownersandhouseshasbeengreat,theimpactofpriorprojectsonrevitalizationofoverallneighborhoodshasbeenminimal.In2009,theCityamendeditspreviousConsolidatedPlantopermittheCitytooperatecitywideonaLMAbasisandtheCitywillcontinuetooperateCitywideinthisPlan.PriorCDBGfundshaveassistedotherneighborhoodrevitalizationefforts,includingresidentialandcommercialpropertymaintenancecodeenforcement.A2008surveyrevealedover2300residentialpropertiesinviolationofthelocalpropertymaintenancecode.Approximately350ofthoseresidentialpropertiesareinaseriouslydilapidatedcondition.AsdiscussedindetailintheNeighborhoodStudy,manyneighborhoodssufferfromyearsofdeferredmaintenance,resultinginseriouscodeenforcementproblemsrequiringrepairscosting$5,000$30,000justtobringtheexteriorofthepropertybackintocodecompliance.InaCitywherealmost22%oftheresidentsarelivingbelowthepovertylevel,matchingrequiredmaintenancerepairsagainstavailableincomehasmadevoluntarycompliancedifficultorimpossibleinmanycases.TheCommunityRevitalizationDepartmentoverthenextfiveyearswillfocusontherevitalizationofourneighborhoods.IndividualActionPlanswillincludecomponentsdesignedtoincreasehomeownership,requiredemolitionofblightedstructures,continueincreasedresidentialandcommercialpropertycodeenforcement,andwillincludehousingrehabilitation,infrastructureimprovementsandcrimepreventionassistancewhereappropriate.Distributionoffundingwillgenerallybeimplementedonaneighborhoodbyneighborhoodbasis.Althoughreviewandadjustmentswillbeongoingduringthisplanperiod,theuseofCDBGdollarswillprimarilybefocusedonalimitednumberofneighborhoodsineachAnnualActionPlantomakethemostimpact.
-
8DRAFT(1/10/2010)
StrategicPlanMission:Tocreateathriving,selfsustainingcommunitythatincludesdecentaffordablehousing,safety,infrastructureandeconomicopportunitiesforallresidents.
1)AffordableHousingStrategy: Toretainsafeandaffordablehousingforlowandmoderateincome
householdsConsolidatedPlanPriority1aResidentialRehabilitationGoal: Toimprovetheconditionofowneroccupiedhousingstockbyproviding
targetedrehabilitationassistancetohousingunitsconsistentwiththeCityMasterPlanandtheNeighborhoodStudy.
Objectives:1. Rehabilitatesinglefamilyowneroccupiedhousingunitsusingthe
NeighborhoodStudytoselecttargetneighborhoods.2. ProvideadequatefundingforemergencyhomerepairsusingCDBG
fundsConsolidatedPlanPriority1bHomeOwnershipGoal: Tocreatestableneighborhoodsbyincreasinghomeownership
opportunities.Objective: UseHOMEfundstoprovidedownpaymentandclosingcostassistanceto
lowandmoderateincomefirsttimehomebuyersintargetareasdictatedbytheNeighborhoodStudy.UseNeighborhoodStabilizationProgramfundstoselectrehabilitationprojectsthatstabilizeindividualstreetsbyputtingvacantresidentialpropertiesbackintoproductiveusewithnewhomeowners.
ConsolidatedPlanPriority1cCodeEnforcementGoal: Toimprovetheconditionofexistinghousingstockandcommercial
propertyandleverageprivateinvestmentinthecleanupofdeterioratedstructures.
Objectives:
-
9DRAFT(1/10/2010)
1. Expandhousingcodeenforcementeffortsduringtheperiod20102014toensurethatrenters,owners,atriskhomelessandotherpersonswithspecialneedsliveinsafe,decenthousingthatcomplieswithcodeusingCDBGfunds;bringallresidentialpropertyintocompliancebytheendofthePlanperiod;Removeorabateblightedcommercialpropertyasfundingpermits.
2. EnforceexistingcityhousingcodebyutilizingcriminalandcivilremediestoforcecomplianceorabatementwithliensconsistentwiththeNeighborhoodStudy.
2) HomelessNeedsStrategy: Toprovidetechnicalassistanceandcoordinateregionaleffortsthat
improvethedeliveryofservicestohomelessandthoseatriskofhomelessness.
ConsolidatedPlanPriority2aHomelessServicesGoal: Toprovideassistanceforatriskhomelessandtoassistchronichomeless
withshelterandappropriateservicesObjective:
1. ReviewappropriatelevelsofSection8vouchers,BMHAunitlevels,andotherexistingsubsidizedhousingtoassistlowincomeresidentswithsecuringsafeaffordablehousing
2. Coordinatewithlocalandregionalgovernmentsandserviceagenciestoprovidetechnicalassistanceforhomelessserviceproviders.
3. AssistHopeHouseRescueMissioninopeninganewwomenstransitionalshelter.
3) CommunityDevelopmentStrategy: Establishhealthyneighborhoodsbyprovidingservicesandfacilitiesthat
meetcommunityneeds.ConsolidatedPlanPriority3aClearanceandDemolitionGoal: Demolitionandclearanceofvacant,abandoned,deterioratedandunsafe
commercialandresidentialstructures.Objective: UtilizeCDBGandNSPfundstodemolishdilapidatedanddangerous
structures.
-
10DRAFT(1/10/2010)
ConsolidatedPlanPriority3bPublicServices Goal: Toprovidepublicservicestocomplementandsupplementexisting
communitywideeffortsforempowermentandselfsufficiency.Coordinateeffortsincreasecapacityandleveragingabilitiesforsocialserviceagencies.
Objectives: 1. ProvidefundingtoexpandCommunityCenterprogrammingby
partneringwithsocialserviceagenciestoprovideneededsocialandrecreationalactivities.
2. Coordinateeffortswithotherfundingproviderstoenhancecapacityofsocialserviceagenciesbyleveragingfundingfromoutsidethecommunityforservices.
ConsolidatedPlanPriority3cInfrastructure Goal: ToimproveinfrastructureforallcitizensObjectives:
1. UtilizeCDBGfundsasleveragetostarttherepavingofcitystreets2. Starttoaddresssidewalks/curbs/gutters/deadtreesintarget
neighborhoodsandonallNSPrehabilitationprojects.
ConsolidatedPlanPriority3dPublicSafetyImprovements
Goal: Improvedpublicsafety
Objective: Where appropriate, utilize CDBG funds to assist law enforcementwithexpandedeligiblepublicsafetyefforts.
ConsolidatedPlanPriority3eFairHousing
Goal: SupportFairHousing
Objective: Whereappropriate,utilizeCDBGfundstofundlocalagenciessupportingfairhousinginitiativessuchasHousingOpportunitiesMadeEqualandtheLegalAidSocietyofSouthwest,OhioLLC.
-
11DRAFT(1/10/2010)
GeneralQuestions1. Describethegeographicareasofthejurisdiction(includingareasoflowincomefamilies
and/orracial/minorityconcentration)inwhichassistancewillbedirected.2. Describethebasisforallocatinginvestmentsgeographicallywithinthejurisdiction(orwithin
theEMSAforHOPWA)(91.215(a)(1))andthebasisforassigningthepriority(includingtherelativepriority,whererequired)giventoeachcategoryofpriorityneeds(91.215(a)(2)).Whereappropriate,thejurisdictionshouldestimatethepercentageoffundsthejurisdictionplanstodedicatetotargetareas.
3. Identifyanyobstaclestomeetingunderservedneeds(91.215(a)(3)).
AbouttheCityofMiddletown,OhioMiddletown,OhiowasfoundedbyDanielDotyin1791andreceiveditsnamebecauseanearlysettlerhadcomefromMiddletown,NewJersey.AnotherwriterbelievedthatthetownwasnamedMiddletownbecauseitwasthemidwaypointofnavigationontheGreatMiamiRiver.AnAllAmericaCity3locatedinButlerandWarrencountiesinthesouthwesternpartofthestateofOhio.FormerlyinLemon,Turtlecreek,andFranklintownships,MiddletownwasincorporatedbytheOhioGeneralAssemblyonFebruary11,1833,andbecameacityin1886.FromthemillsatAKSteel,tothecity'sbiggestemployerandoneofthenation'stop100hospitals,AtriumMedicalCenter,Middletownishometoawidevarietyofbusinessandindustry.MostnewcommercialdevelopmentiscenteredaroundthecampusofthenewlybuiltAtriumMedicalCenter,locatedjusteastofInterstate75.AtriumMedicalCenterreplacestheformerMiddletownRegionalHospital.Therehasbeenmuchdissentinthecommunityonthemovingofthehospitalfromitsformersitetoitsnewsitethreemilesaway.However,thenewhospitaloffersamuchlargeremergencyroom,privaterooms,andnewerandbettertechnologyandequipment.Inaddition,theCityCouncilhasbeenfocusingonrenewingthebusinessprospectsofdowntownMiddletown.
3http://en.wikipedia.org/wiki/Middletown,_Ohiocite_note2#cite_note2(NationalCivicLeaguehttp://ncl.org)
-
12DRAFT(1/10/2010)
Figure1.AreaMap
DemographicsSocioeconomicdataprovideanecessaryfoundationforeffectivefairhousingneedsassessmentandplanningeffortsandhelplocaldecisionmakersandserviceprovidersdevelopaclearpictureofthehumancharacteristicsofthecommunity.Informationsuchasthenumberofresidents,alongwiththeirrace,agecomposition,andfamilystatus;incomeandemploymentdata;householdcharacteristics;andinformationoneducationalattainmentandotherrelatedfactorsareinstrumentalinguidingthedevelopmentofrelevantpolicies,programsandservicestomeettheneedsoflowincomeandspecialpopulations.Thissectionhighlightsmuchofthisinformation.From20052007,Middletowncityhadatotalpopulationof49,000whichconsistedof26,000(54percent)femalesand23,000(46percent)males.Themedianagewas34.5years.Twentyfivepercentofthepopulationwasunder18yearsand13percentwas65yearsandolder.Forpeoplereportingoneracealone,86percentwasWhite;12percentwasBlackorAfricanAmerican;lessthan0.5percentwasAmericanIndianandAlaskaNative;1percentwasAsian;lessthan0.5percentwasNativeHawaiianandOtherPacificIslander,and1percentwasSomeotherrace.Twopercentreportedtwoormoreraces.TwopercentofthepeopleinMiddletowncitywereHispanic.EightythreepercentofthepeopleinMiddletowncitywereWhitenonHispanic.PeopleofHispanicoriginmaybeofanyrace.ThemapbelowillustratesthedistributionofpopulationinMiddletownin2009.
-
13DRAFT(1/10/2010)
Figure2.Demographics
MiddletowncontinuestobemodestlydiversewithslightlydecreasingblackandslightlyincreasingHispanicminoritypopulations.Blackpopulationisprojectedtodecreaseto8.9percentby2014fromitspresentlevelof11.1percent.Hispanicpopulationisprojectedtoincreaseto2.8percentfrom1.9percentinthesameperiod.Coupledwiththedecreaseprojectedforthewhitepopulation,thiswillresultintheentrylevelworkingagepopulationdecreasingto14.1percentby2014fromitspresentlevelof14.3percent.Thetownisalsoexperiencingageneralagingofitsresidentpopulationwiththepopulationovertheageof50projectedtoincreasebymorethan6percentwhilethepopulationasawholeisprojectedtodecreasebyapproximately2percentbetween2009and2014.OthersignificantandnoteworthydemographicfeaturesaboutMiddletownincludethatfactthatevenwiththedecreaseinpopulationandthelaborforce,thereisaprojectedincreasedinthenumberofhouseholdsandrenteroccupieddwellingunits.Thistrackswithgeneraldemographictrendselsewhereledbyanincreaseinsinglepersonhouseholds,especiallyamongtheretiredandtheelderly.
-
14DRAFT(1/10/2010)
Table1.PopulationDistribution
City:MiddletownPopulation(2009) Population(2014) Total Total 2009Population 49,762 2014Population 48,787 Sex(2009) Sex(2014) Total % Total %Male 24,039 48.3% Male 23,830 48.8%Female 25,723 51.7% Female 24,956 51.2% AgeDistribution(2009) AgeDistribution(2014) Total % Total %04 3,516 7.1% 04 3,401 7.0%59 3,171 6.4% 59 3,120 6.4%1019 5,887 11.8% 1019 5,268 10.8%2029 7,126 14.3% 2029 6,881 14.1%3039 5,853 11.8% 3039 5,737 11.8%4049 6,823 13.7% 4049 5,918 12.1%5059 6,537 13.1% 5059 6,565 13.5%6064 2,810 5.6% 6064 3,231 6.6%65+ 8,037 16.2% 65+ 8,666 17.8% RaceDistribution(2009) RaceDistribution(2014) Total % Total %White 42,084 84.6% White 41,996 86.1%Black 5,533 11.1% Black 4,327 8.9%AmericanIndian 168 0.3% AmericanIndian 175 0.4%Asian 407 0.8% Asian 599 1.2%PacificIslander 21 0.0% PacificIslander 23 0.0%Other 314 0.6% Other 433 0.9%Multirace 1,236 2.5% Multirace 1,233 2.5%Hispanic 953 1.9% Hispanic 1,365 2.8% 2009TotalHouseholds 2014TotalHouseholds Total % Total %Households 21,357 Households 22,449 Families 13,422 62.8% Families 14,208 63.3% 2009HouseholdIncomeDistribution 2014HouseholdIncomeDistribution Total % Total %
-
15DRAFT(1/10/2010)
$30$40K 2,430 11.4% $30$40K 2,398 10.7%$40$50K 2,513 11.8% $40$50K 2,400 10.7%$50$60K 2,022 9.5% $50$60K 2,175 9.7%$60$75K 2,273 10.6% $60$75K 2,517 11.2%$75$100K 2,580 12.1% $75$100K 2,769 12.3%>$100K 2,914 13.6% >$100K 3,735 16.6%Source:AppliedGeographicSolutions,ThousandOaks.CA,2009
Table2.LaborForce 2009LaborForceStatus 2014LaborForceStatus Total % Total %LaborForce 24,670 LaborForce 24,159 Employed 21,487 87.1% Employed 22,195 91.9%Unemployed 3,167 12.8% Unemployed 1,951 8.1%InArmedForces 16 InArmedForces 13 NotInLaborForce 14,825 NotInLaborForce 14,818 2009TotalNumberofHousing 2014TotalNumberofHousing Total % Total %TotalDwellings 23,322 TotalDwellings 23,242 OwnerOccupiedDwellings 12,706 59.5%
OwnerOccupiedDwellings 13,028 58.0%
RenterOccupiedDwellings 8,650 40.5%
RenterOccupiedDwellings 9,421 42.0%
HousingUnitsOccupied 21,357 91.6%
HousingUnitsOccupied 22,449 96.6%
2009EducationAttainment 2014EducationAttainment Total % Total %
PopulationAge25+ 33,994 PopulationAge25+ 34,109
-
16DRAFT(1/10/2010)
Source:AppliedGeographicSolutions,ThousandOaks.CA,2009
UnemploymentUntil2009unemploymentratesintheCincinnatiMiddletownareawererunningslightlylowerthanthoseforthenationandforthestateofOhio.Duringthemiddlemonthsof2009,thoseratesoccasionallysurpassedthoseofthenationbuthaveconsistentlystayedbelowtherateforthestateofOhio.However,as2009drawstoanend,theunemploymentrateintheareahasonceagaindroppedbelowthatforthenationandthestateofOhio.ThisseemstobeduetothefactthattheCityofMiddletownhasenjoyedarichhistoryofinnovationandmanufacturingprowess.Fromitsearlydaysasasteelandpapertown,MiddletownhasalwaystakenadvantageofitslocationintheheartofSouthwestOhio.TheCitycontinuestocapitalizeonthisstrategiclocationasadestinationfornewbusinessandaimstobecomethenextretaildestinationforlocalandregionalconsumersgivenitsproximitytoInterstate75.
Figure3.RecentUnemploymentTrends
Recent Unemployment Trends
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
Nov-08 Dec-08 Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09
NationalOhioCincinnati-Middletown
LowandModerateIncomeConcentrationsAscanbeseeninthegraphicbelow,mostofMiddletownscensustractsareclassifiedaslowormoderateincome.TheexceptionsarethosetractsthatencompasstheneighborhoodsofDouglass,Mayfield,Greenfields,Lewis/CliftonFarmsandFarHills.AlloftheseneighborhoodsareinthecentralbandofMiddletownneighborhoods.Thelow/moderateincome(LMI)neighborhoods,thecomprisingthemajorityofthetown,dodiffersomewhatintheirdemographicmakeupfromthoseneighborhoodsjustidentified.Specifically,theLMIareastendtohaveaslightlyyoungerpopulationandaslightlylargerproportionofthewhitepopulation,andconsequentlyaslightlylowerproportionoftheminoritypopulation,runningsomewhatcountertonormalcircumstancesinmanyurbanareas.In2009,theCityamendeditspreviousConsolidatedPlantooperatecitywideonandLMAbasisandwillcontinuetodoso.
-
17DRAFT(1/10/2010)
Figure4.LMICensusTracts
Table3.LMIInformation LMI
Areas MiddletownAges >5 8.6% 7.1%517 18.4% 18.2%1864 61.2% 58.5%65+ 12.3% 16.2%Race %White 86.8% 84.6%%Black 10.8% 11.1%%Hispanic 0.9% 1.9%%Other 1.5% 2.4%
ManagingtheProcess(91.200(b))1. LeadAgency.Identifytheleadagencyorentityforoverseeingthedevelopmentoftheplan
andthemajorpublicandprivateagenciesresponsibleforadministeringprogramscoveredbytheconsolidatedplan.
2. Identifythesignificantaspectsoftheprocessbywhichtheplanwasdeveloped,andtheagencies,groups,organizations,andotherswhoparticipatedintheprocess.
-
18DRAFT(1/10/2010)
3. Describethejurisdiction'sconsultationswithhousing,socialserviceagencies,andotherentities,includingthosefocusingonservicestochildren,elderlypersons,personswithdisabilities,personswithHIV/AIDSandtheirfamilies,andhomelesspersons.
TheCityofMiddletownDepartmentofCommunityRevitalizationistheleadentityforoverseeingthedevelopmentoftheConsolidatedPlan.TheDepartmentwillberesponsibleforadministeringallprogramscoveredbytheConsolidatedPlan.Consultationsweremadewithlocalagencies,civicorganizations,aprofessionalconsultantandtheConsolidatedPlanningCommitteetoreviewinitialdraftsandtoofferinputintorefiningandcompletingthefinalPlan.TherewereseveralmeetingsheldwiththeConsolidatedPlanningCommittee,apublicmeeting,apublichearing,anda30daycommentperiodtoreceiveinputfromtheresidentsofMiddletown.
CitizenParticipation(91.200(b))1. Provideasummaryofthecitizenparticipationprocess.2. Provideasummaryofcitizencommentsorviewsontheplan.3. Provideasummaryofeffortsmadetobroadenpublicparticipationinthedevelopmentof
theconsolidatedplan,includingoutreachtominoritiesandnonEnglishspeakingpersons,aswellaspersonswithdisabilities.
4. Provideawrittenexplanationofcommentsnotacceptedandthereasonswhythesecommentswerenotaccepted.
TheCityManagerandCityCounciloftheCityofMiddletownwishtoprovideformaximumcitizenparticipationinthedevelopmentandimplementationoftheConsolidatedPlanandtheAnnualActionPlaninaccordancewiththeobjectivesoftheHousingandCommunityDevelopmentActionof1974.Accordingly,theCityofMiddletownwilltakeaffirmativeactionstoprovideadequateopportunityforcitizenstoparticipateinthedevelopmentoftheConsolidatedPlanandtheAnnualActionPlans.Theseactionswillincludeplacingadvertisementinthelocalnewspapersandapublichearingatthetelevisedcitycouncilmeeting.TheCityCouncil,however,willhavethefullresponsibilityandauthorityfortheapplicationandexecutionofitsCommunityDevelopmentBlockGrantprogram.Thecitywillnotonlyrunlegalnotices,butdistributecopiesofthePlantothelibraryandtheSeniorCitizenCenter.AllinformationwillbepostedontheCityswebsiteintheCommunityRevitalizationpagesofthesite.Publicmeetingswillbeheldatthecitybuilding.TheCitybuildingisconsideredneutralintermsofwardaffiliationandbecausethecouncilmeetingsaretelevisedtheycanreachalargenumberofresidents.TheCitizenParticipationPlandescribesthefollowingwithrespecttotheCommunityDevelopmentBlockGrant(CDBG)andHOMEInvestmentPartnershipprograms:
-
19DRAFT(1/10/2010)
1. Recognitionofexistingcitizencommittees(MiddletownConsolidatedPlanningCommittee).Groupsandorganizationsrepresentedcouldincludelocalandcountygovernments,socialserviceagencies,recipientsofsocialservices,privatebusinessesrepresentatives,communityserviceorganizations,andpublichousingrepresentatives.
2. Whenandhowinformationwillbedisseminatedconcerningtheamountoffundsavailableforprojectsthatmaybeundertaken,alongwithotherimportantprogramrequirements
3. When,duringthevariousstagesoftheplanningprocess,publicmeetings/hearingswillbeheld
4. WhenandhowcitizenswillhavetheopportunitytoparticipateinthedevelopmentoftheCommunityDevelopmentApplicationpriortosubmission
5. Whenandhowtechnicalassistancewillbeprovidedtoassistcitizenparticipantstounderstandprogramrequirements
ThecontinuingnatureofCitizenParticipationinthedevelopmentofanyfuturecommunitydevelopmentprogramamendments,includingthereallocationoffundsanddesignationofnewactivitiesorlocations,andtheroleofthecitizencommitteeswithrespecttoprogramimplementation,monitoringandevaluation.
StatementofApplicabilityoftheCitizenParticipationPlanTheCityofMiddletownwillencouragecitizenparticipationinthefollowingmanner:1. CitizensofMiddletownwillbeencouragedtoparticipateinthedevelopmentofthe
ConsolidatedPlan,anysubstantialamendmentstotheConsolidatedPlan,theAnnualActionPlansandtheperformancereport(CAPER).Areviewgroup,theConsolidatedPlanningCommitteewillconveneatleastannuallyinthedevelopmentoftheActionPlans.
2. Participationwillbeespeciallyencouragedinregardstothelowandmoderateincomeresidents,particularlythoselivinginslumandblightedareas,nonEnglishspeakingpersonsandpersonswithdisabilities.InformationwillbeplacedatstrategiclocationssuchastheMiddletownPublicHousingAgency(MPHA),theSeniorCitizensCenterandthelocallibrary.
3. TheCityofMiddletownwillmakeeveryefforttoprovideinformationtotheMiddletownPublicHousingAgencyandButlerMetropolitanHousingAuthorityaboutConsolidatedPlaninitiativesandactivitiesrelateditsdevelopmentandsurroundingcommunities.
DevelopmentofConsolidatedPlan1. TheCityofMiddletownhasestablishedtheMiddletownConsolidatedPlanning
Committee(MCPC)toaidinthedevelopmentandreviewprogressontheimplementationoftheConsolidatedPlan.TheMCPCiscomposedofabroadbaseofcommunityrepresentatives.Groupsandorganizationsrepresentedcouldincludelocalandcountygovernments,socialserviceagencies,recipientsofsocialservices,private
-
20DRAFT(1/10/2010)
businessesrepresentatives,communityserviceorganizations,andpublichousingrepresentatives.BeforetheadoptionoftheConsolidatedPlan,theCityofMiddletownwillmakeavailabletocitizens,publicagencies,andotherinterestedpartiesinformationthatincludestheamountofassistancethejurisdictionexpectstoreceive(includinggrantsandprogramincome)andtherangeofactivitiesthatmaybeundertaken,includingtheestimatedamountthatwillbenefitpersonsoflowandmoderateincome.TheCityofMiddletownwilltakestepstochooseprojectsthatminimizedisplacementthroughreviewingtheAnnualActionPlanstoinsurethattheactivitieswillnotcreateanydisplacementthatisunnecessary.Familiesandindividualsdisplacedbythecommunitydevelopmentprogramwillbeprovidedthefullopportunityofoccupyinghousingthatisdecent,safe,andsanitary,iswithintheirfinancialmeans,isinreasonablyconvenientlocationsandavailableonanondiscriminatorybasis.RelocationpaymentswillbemadeonanindividualbasisinaccordancewithFederalRegulations.
2. TheplanwillalsobemadeavailableattheMiddletownPublicLibrary,theCityofMiddletownpublicwebsite,andtheCommunityRevitalizationofficeonthe4thflooroftheCitybuilding.Thepublicationwillincludethecontentsandpurposeoftheconsolidatedplan,andwillalsoincludealistofthelocationswherecopiesoftheentireplanmaybeexamined.ThecityofMiddletownwillprovideareasonablenumberoffreecopiesoftheplantocitizensandgroupsthatrequestit.
3. ThisConsolidatedPlanprovidesforapublichearingtoobtaincitizensviewsandrespondtocitizenproposalsandquestionspriortosubmissionoftheapplicationtoHUD.ThepublichearingwillbeduringtheCityCouncilmeetingattheCitybuilding,whichpermitsbroadparticipation,particularlybylowandmoderateincomepersonsandbyresidentsofblightedneighborhoods,anddisabledcitizens.
4. TheCityofMiddletownwillpublishinthelocalpaper,theMiddletownJournal,detailsofwhereandhowtoreviewtheConsolidatedPlanduringthe30daycommentperiodpriortosubmission.Theseadswillbeinthelegalandtheprintadsections.
5. TheCityofMiddletownwillconsideranycommentsorviewsofcitizensreceivedinwriting,ororallyatthepublichearings,inpreparingthefinalconsolidatedplan.Asummaryofthesecommentsorviews,andasummaryofanycommentsorviewsnotacceptedandthereasonstherefore,shallbeattachedtothefinalConsolidatedPlan.
PolicyRegardingAmendmentstotheConsolidatedPlan1. AsubstantialchangetotheConsolidatedorAnnualActionPlanisanincreaseor
decreaseofover50%ofthebudgetedfundingamountorachangeinthegeneralactivityornationalobjectiveofanactivity.
2. Inaccordancewith24CFR91.505,otheramendmentstotheplanshallinclude:a. Makingchangesinallocationprioritiesorchangeinmethodofdistributionof
funds;
-
21DRAFT(1/10/2010)
b. Carryingoutanactivity,usingfundsfromanyprogramcoveredbytheConsolidatedPlan,includingprogramincome,notpreviouslydescribedintheactionplan;or
c. Changingthepurpose,scope,locationorbeneficiariesofanactivity.3. Therewillbea30dayperiodtoreceivecommentsonasubstantialamendmenttothe
ConsolidatedPlanortheAnnualActionPlanpriortotheamendmentbeingimplemented.Thenoticeofthe30daycommentperiodwillbeissuedasalegalnoticeoftheactivityprintedintheMiddletownJournal.Atorwithin15daysofthe30daycommentperiodapublichearingwillbeheldtogivecitizensaforuminwhichtocomment.
4. Allcommentsandviewsofcitizensreceivedinwritingororallyatthepublichearingwillbeconsidered.Asummaryofthesecommentsorviews,andasummaryofanycommentsorviewsnotacceptedandthereasonstherefore,shallbeattachedtothesubstantialamendmentoftheconsolidatedplan.
PolicyRegardingPerformanceReports1. TheCityofMiddletownwillprovideaperiodof15daystoacceptcommentsonthe
Performancereport(CAPER)beforesubmittaltoHUD.Reasonablenoticewillbegiventhroughthelocalpaper,theMiddletownJournal.TheCitywillacceptwrittencommentsandoralcommentsmadeduringthepublichearingduringthecommentperiod.
2. ThecitywillconsideranycommentsorviewsofcitizensreceivedinwritinginpreparingtheCAPER.Asummaryofthesecommentsorviewswillbeattachedtotheperformancereport.
PolicyRegardingPublicHearings1. Therewillbeatleasttwopublichearingsperyeartoobtaincitizensviewsandtorespond
toproposalsandquestions.Onehearingwillbeheldpriortothesubmissionoftheannualactionplan.
2. Adequateadvancenoticewillbegiventocitizensofeachhearing,withapublicationinthelocalpaperatlestoneweekpriortothehearing.Inaddition,sufficientinformationwillbepublishedaboutthesubjectofthehearingtopermitinformedcomment.Thiswillincludethetopicofdiscussionandtheamountoffunding.
3. Hearingswillbeheldattimesandlocationsconvenienttopotentialandactualbeneficiaries,andwithaccommodationforpersonswithdisabilities.Thehearingswillbeheld,andtelevised,attheCityCouncilmeetings.TheCityCouncilChambersarehandicappedaccessible.
4. TheCityofMiddletownwillhaveatranslatoravailableatmeetingsinthecaseofpublichearingswhereasignificantnumberofnonEnglishspeakingresidentscanreasonablybeexpectedtoparticipate.
-
22DRAFT(1/10/2010)
PolicyRegardingMeetingsTheCityofMiddletownmustprovidecitizenswithreasonableandtimelyaccesstolocalmeetings.EachmeetingdiscussingtheCDBGorHOMEprogramwillbeadvertisedinthelocalpaperatleastsevendaysinadvance.AvailabilitytothePublicTheConsolidatedplanasadopted,substantialamendmentsandtheCAPERwillbeavailabletothepublic,includingtheavailabilityofmaterialsinaformaccessibletopersonswithdisabilities,uponrequest.CopiesoftheCitizenParticipationPlan,theproposedandapprovedapplicationandtheConsolidatedAnnualPerformanceandEvaluationReport(CAPER)willbeavailableattheofficeoftheDirectorofCommunityRevitalization,theMiddletownSeniorCitizensCenterandtheMiddletownPublicLibrary.DraftsandfinalversionsofalldocumentswillbepostedontheCityspublicwebsite.AccesstoRecordsThisplanprovidesforfullandtimelydisclosureofprogramrecordsandinformationconsistentwithapplicableStateandlocallawsregardingpersonalprivacyandobligationsofconfidentiality.DocumentsrelevanttotheprogramshallbemadeavailableattheofficeoftheDirectorofCommunityRevitalization,4thFloor,CityBuilding,OneDonhamPlaza,Middletown,Ohio,duringnormalworkinghoursforcitizenreviewuponawrittenpublicrecordsrequest.Suchdocumentsincludethefollowing:1. Allmailingsandpromotionalmaterial2. Recordsofhearings3. Allkeydocuments,includingallpriorapplications,lettersofapproval,grantagreements,
theCitizenParticipationPlan,CAPERs,otherreportsrequiredbyHUD,andtheproposedandapprovedapplicationforthecurrentyear
4. Copiesoftheregulationsandissuancesgoverningtheprogram5. Documentsregardingotherimportantprogramrequirements,suchascontracting
procedures,environmentalpolicies,fairhousingandotherequalopportunityrequirements,andrelocationprovisions
TechnicalAssistanceTechnicalAssistancewillbemadeavailabletocitizensseekingtofurtherunderstandthecommunitydevelopmentrequirements.InformationwillbeavailableatpublichearingsandattheofficeofCommunityRevitalizationforthedurationoftheprogramandplanningperiod.Inaddition,theCommunityRevitalizationstaffwillbeabletoansweranyquestionsconcerning
-
23DRAFT(1/10/2010)
theprogramduringnormalworkinghours.AllappropriateprogramregulationswillbeonfileintheCommunityRevitalizationDepartmentoffice.Thisplanprovidesfortechnicalassistancetogroupsrepresentativeofpersonsoflowandmoderateincomethatrequestsuchassistanceindevelopingproposalsforfundingassistanceunderanyoftheprogramscoveredbytheconsolidatedplan.Theassistancewillnotnecessarilyincludetheprovisionoffundstothegroups.ComplaintsThecitizenparticipationprocessincludesansweringcomplaintsinatimelymanner,duringprogramimplementationandapplicationprocessing.Personswillberequestedtosubmitprojectproposalsand/orcomplaintsinwritingtotheCommunityRevitalizationoffice.Everyreasonableefforttoprovidewrittenresponsestowrittenproposalsandcomplaintswillbeprocessedandansweredwithin15days.AfilewillbeavailableintheCommunityRevitalizationofficetorecordreceiptandresponsetoanycomplaintsreceived.ImplementationoftheCitizenParticipationProcess.The City ofMiddletown established the Consolidated Plan Committee to provide input andreviewoftheConsolidatedPlanningprocess.TheMembersoftheCommitteewere:DanPicard MiddletownCityCouncil A.J.Smith MiddletownCityCouncil JoshuaLaubach MiddletownCityCouncil JeffMichel Citizen/Volunteer MikeSanders UnitedWay KathyBecker ButlerCountyHomelessCoalition LorieDiStaola NeighborhoodHousingServicesofHamilton,Inc. DougAdkins CommunityRevitalizationDirector KyleFuchs HUDProgramAdministrator MartyKohler PlanningDirector Lt.ScottReeve MiddletownPoliceDept. TheConsolidatedPlanCommitteemetonthefollowingdates: January22,2010 January29,2010 February5,2010(Cancelledduetoheavysnow) February12,2010TheCityofMiddletownheldaPublicMeetingonNovember5,2009,attheMiddletownCityBuildingtogatherinputfromcitizensandtorespondtocitizenproposals.The meeting was published as both a legal and print ad and ran on dates: 10/14, 10/21, 10/25, 10/28, 11/01, and 11/04/2009. The attendance sheet and comments are included as Appendix x."
-
24DRAFT(1/10/2010)
TheCityofMiddletownheldaPublicHearingonFebruary16,2010.ThehearingwaspublishedasaprintadonFebruary1staswellasalegaladonFebruary1stand8thandwasheldintheCityCouncilChambers.Thehearingwastelevised.ThePublicCommentPeriodfortheConsolidatedPlanbeganonFebruary10,2010.TheadwasplacedintheMiddletownJournal.AcopyoftheplanwasavailableattheMiddletownPublicLibrary,theSeniorCitizenCenter,andattheCityCommunityRevitalizationDepartmentofficeattheCityBuilding.ThedraftplanwasalsopublishedontheCitywebsitewithalinktoemailcomments.TheCityofMiddletownwaspreparedtoprovideareasonablenumberorcopiesoftheplantocitizensandgroupsthatrequestedit.Nocopieswererequested.BeforetheadoptionoftheConsolidatedPlan,theCityofMiddletownmadeavailabletocitizens,publicagencies,andotherinterestedpartiesinformationthatincludedtheamountofassistancethejurisdictionexpectedtoreceive(includinggrantsandprogramincome)andtherangeofactivitiesthatmaybeundertaken,includingtheestimatedamountthatwouldbenefitpersonsoflowandmoderateincome.ThisinformationwaspublishedinthelocalpaperFebruary1st and 8th, 2010(pleaseseeAppendixx)andwasdiscussedduringatelevisedpublichearingonFebruary16,2010(pleaseseeAppendixx).ThepublichearingheldonFebruary16,2010,discussedtheentireplanandspecificprojects.TheplanwastakenforafirstreadingduringtheFebruary16,2010meeting(SeeAttachment#x,legislativeAgendaitemx)andwasadoptedonMarch2,2010(SeeAttachmentx,LegislativeItem#x).TheCityofMiddletownwillconsideranycommentsorviewsofcitizensreceivedinwritingororallyatthepublichearing,inpreparingtheconsolidatedplan.Nocommentswerereceived.
InstitutionalStructure(91.215(i))1. Explaintheinstitutionalstructurethroughwhichthejurisdictionwillcarryoutits
consolidatedplan,includingprivateindustry,nonprofitorganizations,andpublicinstitutions.
2. Assessthestrengthsandgapsinthedeliverysystem.3. Assessthestrengthsandgapsinthedeliverysystemforpublichousing,includinga
descriptionoftheorganizationalrelationshipbetweenthejurisdictionandthepublichousingagency,includingtheappointingauthorityforthecommissionersorboardofhousingagency,relationshipregardinghiring,contractingandprocurement;provisionofservicesfundedbythejurisdiction;reviewbythejurisdictionofproposedcapitalimprovementsaswellasproposeddevelopment,demolitionordispositionofpublichousingdevelopments.
ThedeliverysystemintheCityofMiddletownisstructuredsothatmembersoftheCommunityRevitalizationDepartmentinteractwithrepresentativesfromsocialserviceagencies,housingprovidersandeconomicandsmallbusinessdevelopmentprofessionalsonaregularbasis.
-
25DRAFT(1/10/2010)
TheCityofMiddletownCommunityRevitalizationDepartmentwilladministertheCDBG,HOMEandNSPprogramsthattheCityreceives.FundswillbeusedforawidevarietyofactivitiesasspelledoutintheStrategicPlaningeneralandineachannualActionPlanspecifically.CodeenforcementactivitiesarehandledinhousewithCitystaff.HOMEfirsttimehomebuyerdownpaymentassistanceisbeingtransferredfromtheCitytoanonprofithousingorganization.AsfundingavailableforcityserviceshasdwindledinrecentyearsforcinglayoffsofCitystaff,theCommunityRevitalizationDepartmenthasreorganizeditsreducedstafftohandlespecificfunctionsandhasutilizedtheservicesofoutsideprofessionalsandnonprofitstoassistinlargeprojectsbeyondthescopeofexistingCitystaff.ThisapproachhasworkedwellandtheCityhasbeensuccessfulinfindingtalentedconsultantstohandleaspecificprojectoractivitywithoutretainingthemonanongoingbasis.TheCommunityRevitalizationDirectorisactiveintheButlerCountyHomelessCoalitionandtheButlerCountyForeclosurePreventionGroup.TheDepartmentinteracts,cooperatesandcoordinatesonanongoingbasiswithmanynonprofitstoensurethebestdeliveryofserviceswithoutduplicationofefforts.ButlerCountyandtheCityofMiddletownhaveajointHOMEConsortiumforutilizationofHOMEfunds.TheMiddletownPublicHousingAgency(MPHA)willcontinuetoadministertheSection8HousingChoiceVoucherProgram.TheCityofMiddletownhasdirectcontrolovertheMiddletownPublicHousingAgency.TheBoardiscomprisedofthesevenMiddletownCityCouncilmembersandadministeredonadailybasisbyConsocHousingConsultantsofColumbus.TheCommunityRevitalizationDirectoristheCitypointofcontactforallSection8matters.ButlerMetropolitanHousingAuthoritycontinuestooperatepublichousingintheCityofMiddletown.TheCommunityRevitalizationDirectorhasagoodworkingrelationshipwithBMHAandtheycooperatewithCitystaffoncrimeandcodeenforcementissues.TheCityhasnodirectcontrolovertheButlerMetropolitanHousingAuthority,whichisrunthroughaboardappointedbytheButlerCountyCommissioners.
Monitoring(91.230)1. Describethestandardsandproceduresthejurisdictionwillusetomonitoritshousingand
communitydevelopmentprojectsandensurelongtermcompliancewithprogramrequirementsincludingminoritybusinessoutreachandcomprehensiveplanningrequirements.
Priortoimplementation,allhousingandcommunitydevelopmentprojectsarefirstapprovedbytheCommunityRevitalizationstaffandarereviewedfor:consistencywiththeConsolidatedPlanandAnnualActionplan,overallactivityeligibility,meetinganationalobjective,adherencetoallregulations,consistencywiththehousinganalysisandtheCitysMasterPlan,citizeninputwhererequired,capacityofstaff,timelinessexpectations,prioritiesofCityCouncilandtheCity
-
26DRAFT(1/10/2010)
Manager,theneedforspecificpublicservices,andtheexpertiseofallpartiestocompletetheactivity.Oncetheprojectsareimplemented,theyaremonitoredtoensurethatallregulationsarebeingfullyadhered.Thisincludesbutisnotlimitedto:properprocurementpractices,minoritybusinessoutreach,section3applicability,DavisBaconapplicability,etc.ThisoverallprojectmonitoringisaccomplishedbyhavingtheHUDProjectFieldManagerensureonsitecompliance,havingpropersignaturesobtainedbytheHUDProgramsAdministratoroneverypaymentrequest,andhavingpropersignaturesobtainedbytheCommunityRevitalizationDirectoroneveryclaimvoucher.Thistripletieredapproachwillhavethreesetsofeyesreviewingallprojectstoensurenothingismissed.Inaddition,allprojectswillbereviewedonanongoingbasistoensuretheCityisontracktoreachgoalsspecifiedintheAnnualActionPlan.Ifthegoalscannotbereached,adjustmentswillbemadetotheprojectinthefollowingprogramyear,ortheprojectwillbereplacedwhereappropriate.TheCitywillreachouttominoritybusinessesbykeepingtheapprovedcontractordatabaseopeninordertogivenewbusinessesthechancetogetontheCitysapprovedcontractorlist.Intheprocessofsolicitingnewcontractors,itisstronglyencouragedthatminoritybusinessesapply.FurthereffortstoreachoutwillbeaccomplishedbyplacingadsinthelocalnewspaperandplacingnoticesinorganizationssuchastheNAACP,thelocalMinisterialAllianceandtheUnitedWay.TherearemanyinstanceswheretheCommunityRevitalizationDepartmentwillmakeuseofsubrecipientstoimplementprogramsortoprovidepublicservices.TheCitywillmonitorthesesubrecipientstoensureprogramcomplianceregardingeligibility,nationalobjective,andallappropriateregulations.Thismonitoringstrategywillinvolvemandatingquarterlyprogressreportsfromeachsubrecipientlistingtheamountoffundingtheyhavespent,thenumberofpeopleserved,theraceandethnicityofpeopleserved,andtheincomebracketofallpeopleserved.Inadditiontothequarterlyprogressreports,amemberoftheCommunityRevitalizationstaffwillperformatleastoneonsitevisitperprogramyeartoeachfundedsubrecipient.Attheonsitevisit,randomfileswillbecheckedforoverallcompliance,accountingpracticesreviewed,andthefundsallocatedtothemfortheprogramyearwillbecheckedfortimeliness.
PriorityNeedsAnalysisandStrategies(91.215(a))1. Describethebasisforassigningtheprioritygiventoeachcategoryofpriorityneeds.2. Identifyanyobstaclestomeetingunderservedneeds.
BasisforAllocatingResourcesCommunityInputPriorityassignedtoeachcategorywasbasedoninputfromtheConsolidatedPlanCommittee,thepublicmeetingheldonNovember5,2009,recommendationsofCitystaff,consistencywiththeCityMasterPlan,andtheresultsofthecommunitywideonlinesurvey(AppendixX).
-
27DRAFT(1/10/2010)
NeighborhoodRevitalizationNeighborhoodsarethebasicbuildingblocksofourcommunity.Oneneighborhoodbyitselfshouldhavealltheelementsofavillagewithhousing,parks,schools,shopping,employmentandcivicuses,etc.Anew,morecomprehensivestrategymustbeenactedtoovercomemarketforces.Giventheconditionofsomeneighborhoods,relianceontheprivatesectortoturnundesirableneighborhoodsaroundisanunlikelystrategy.Publicsectorleadershipsandincentivesareneededtoenticeprivatesectorparticipationthroughacomprehensivemultiyearrevitalizationprocess.Allblightinginfluencesmustberemovedandhousingunitsmustmeettheminimumbuildingcodebeforeaneighborhoodsrevitalizationprocesscanbeconcluded.Fixingoneortwoproblempropertieswillnotbringabouttheholisticchangerequiredtodevelopafunctionalneighborhood.4Thisstrategyrequiresaproactiveapproachandaconcentrationofresourcesintoselectneighborhoods.Thisdeliberateconcentrationofresources,ifimplemented,willbeapolicyshiftfromusingavailableresourcescitywideonafirstcome,firstservebasis.Thestepstoimplementtherevitalizationstrategy[are]:1. AspartofthisPlanwehavepreparedasustainableNeighborhoodStudydatabaseto
identifyhealthyneighborhoods,neighborhoodsintransitionanddegradedneighborhoods5.Thoughclassificationcouldhavebeendoneonvisualinspectionalone,therealunderlyingtrendsattheneighborhoodlevelwerenotknownuntilacomprehensiveanalysisofavailabledatahadbeenundertaken.Reviewofcurrentphysicalconditionsincludesareviewbyneighborhoodofpopulation,numberofhousingunits,averagehouseholdincome,percentageofowneroccupiedproperties,percentageoflowincomeresidents,densityperacre,crimerates,percentageofvacancy,ageoftheneighborhoodstructures,andforeclosurerisk.Considerationisalsogiventoproximitytohighways,publictransportation,waterways,industrialareas,parksandplaygrounds,andtheconditionofpublicimprovementsincludingsidewalks,streets,streetlightingandparking.AttentionwillbegiventotheCitysandresidentsperceptionoftheneighborhoodandanyongoingeffortsbyresidentstoimprovetheneighborhood.
2. WewillthenusetheNeighborhoodStudytoselectandprioritizeneighborhoodsfortargetedrevitalizationinourindividualannualActionPlans.Selectionneighborhoodshouldbebasedoncriteriaimportanttothecommunityand:
a. Beinobviousdeclineortransitionb. HaveanaboveaverageoverallneighborhoodstressrankingintheNeighborhood
Study.c. Belocatedadjacenttoahealthyneighborhoodd. Belargeenoughtoachieveacriticalmassofchange.
4AsrecommendedintheMiddletownMasterPlan20052010,p.54.5AttachedasAppendixx.
-
28DRAFT(1/10/2010)
e. Beassimilatedinwiththeadjacenthealthyneighborhoodafterrevitalizationiscompleteoritmustbeabletostandasitsowncompactareathatissupportedbythemarket.
3. Wherepossible,weshouldselectneighborhoodsthathaveorwillreceiveaninfusionincapitalinvestmenttouseasaspringboardforrevitalization.MiddletownCitySchoolDistrictsnewschoolsinitiativeisanexample.Similarly,considerationshouldbegiventoneighborhoodsthathaveoneormorekeyanchorssuchasplacesofworship,employmentcenters,neighborhoodbusinessdistricts,historicoruniquestructuresordistricts,orparks,etc.TheseelementsmustbeprovidedaspartoftherevitalizationeffortifnotpresentbeforehandconsistentwiththeNeighborhoodDesignStandards.
HomelessNeedsTheCityhaslimitedresourcesandhasgenerallylimitedactivitiesintheareaofhomelessneedstosupportandcooperationwithregionalhomelessproviders.DuringthisPlanperiod,wewillactivelyassisttheHopeHouseRescueMissioninitsprojecttoopenatransitionalshelterdesignedtohelpatriskandhomelesswomenandwomenwithchildrenmovefromhomelessnesstoselfsufficiency.CommunityDevelopmentNeedsWewillexpandeligibleprogrammingavailableattheMiddletownCommunityCenter.WewillpartnerwithexistingsocialserviceagenciestoexpandprogrammingopportunitiesattheCenterandwillassistinfundingandsupportofthosepartnersbyaddingCDBGmoneytotheCommunityCenter2010Citybudget.WewillopendiscussionswiththeYMCA,UnitedWayandtheSalvationArmy.Wehavecompletedsurveysfromschoolagechildrencurrentlyattendingthecenterwithsuggestionsonexpandedprogramming.Theprogrammingshouldbeamixofsocialprograms,familyevents,educationalopportunitiesandadultactivities,andweintendtoopenupthemeetingroomforcivicorganizationscitywide.Thegoalistogetourchildrenoffthestreetsandinvolvedinproductiveactivities,andtoengagetheentirecommunitytoutilizetheCenter.WeintendtoworkwiththeMiddletownCitySchoolDistricttoprovidecultural&academicprogramsattheCommunityCenterthatwillaidinbridgingtheacademicgapintheMiddletowneducationsystem.NonHomelessSpecialNeedsEducationThehighlevelofpovertyinMiddletownaffectsmorethanjusthousingneeds.Educationisoneofthegreatestmeasuresoffuturesuccess.The200708highschoolgraduationratesforOhioseconomicallydisadvantagedstudentswere72.7%,comparedto88.7%forstudentswhowerenoteconomicallydisadvantaged.6Only17%ofMiddletownresidentshaveaBachelororGraduatedegree.7EvenifhigherpayingjobsarebroughttotheCity,ifstridesarenotmadeto
6TheStateofPovertyinOhio:BuildingaFoundationforProsperity;January2010.OhioAssociationofCommunityActionAgencies.7SeeTable2.LaborForce.
-
29DRAFT(1/10/2010)
improvetheeducationlevelofourcitizens,residentsmaynotbequalifiedtotakeadvantageofnewerhigherpayingpositions.Inthe20082009schoolyears,theMiddletownCitySchoolDistrictmetonly5ofthe30StateIndicatorsforsuccessfulschools.Thegapsintheeducationsystembeginathome,andtheCityofMiddletowntrailseveryschooldistrictinButlerCountybutoneforaggregateKindergartenreadiness.8Morethan30%ofthechildrenwhoenterkindergarteninOhioeachyearnowrequiresometypeofinterventionservices.AlargenumberofstudentsintheMiddletownCitySchoolDistrictareonfreeorreducedlunches.Thelocalschooldistricttrailsstateaveragesforallrecordedindicatorsfrom3rdto8thgrade,andgraduates5%lessstudentsthantheaveragefortheStateofOhio.9TheCitymustbeanactivepartnerwiththeschooldistrictinraisingtheeducationlevelofourcitizens.
ObstaclestoMeetingUnderservedNeeds1. Obstaclestomeetingthesegoalsincludealackoffundingavailability.Itisestimated
thattoaddressallofthepropertyneedsinMiddletown,wewouldrequire10timesthecurrentfundingavailable.LeadershipoftheprogramataCityCouncilandstafflevelmustbestrongandconsistent.Buildingconsensusthroughoutthecommunityisimportantbutnotcriticaltosuccess.TheCitymusttaketheinitiativeandmovethecityforward.
2. TheareasofracialconcentrationinMiddletowninmanyareasoverlapthelowincomeareasoftheCityandarethefocusoftheCityseffortstoeliminateblight.ThebasisforconcentratingCDBGdollarsinthisareaisthehighlevelofblight.Thehighlevelofblightinthecommunityisaffectingnotonlytheopportunitiesforsafe,decent,andaffordablehousing,butalsoeconomicdevelopmentopportunitiesinthoseareas.
3. Widespreadandconcentratedlevelsofpoverty.Withover2000vacanthouseholdsthroughouttheCity,manycausedbyforeclosure,theCitysrevenuesfromincometaxandpropertytaxesaredownsubstantially.Ofour+/50,000residents,41.4%(20,611)areages18oryoungerorover65.Almost30%(14,825)ofourresidentsarenotinthelaborforceatall.10Almost20%ofMiddletownshousingunitsareoccupiedbyextremelylowincome(11.8%)orverylowincome(7.3%)renters.Another11%areoccupiedbyextremelylowincome(4.9%)orverylowincome(6.7%)owners.This,alongwiththehighnumberofvacantorforeclosedproperties,continuestostressthefundsavailableforprovidingcorecityservicesincludingnotonlyaffordablehousing,butalsopoliceandfireprotectionandupkeepofCityinfrastructureincludingstreetsandsidewalks/curbsandparks.
4. Thenatureandextentofproblemskeepschanging.WiththeCityinthemiddleofanationaleconomicrecessionsecondonlytotheGreatDepression,thelevelsof
8SeeUnitedWaySuccessby6;20082009StudentKRALPerformance9Seewww.Reportcard.ohio.gov.10SeeTable1.PopulationDistributionandTable2.LaborForce.
-
30DRAFT(1/10/2010)
unemployment,foreclosures,povertyandunmetneedsfluctuateintimeandingeographicareasoftheCity.Thisplanisastartingpointmadewiththeunderstandingthatfluctuatingneedsandavailabilityofresourcesmayrequireongoingadjustmentstobemostsuccessful.
LeadbasedPaint(91.215(g))1. Estimatethenumberofhousingunitsthatcontainleadbasedpainthazards,asdefinedin
section1004oftheResidentialLeadBasedPaintHazardReductionActof1992,andareoccupiedbyextremelylowincome,lowincome,andmoderateincomefamilies.
2. Outlineactionsproposedorbeingtakentoevaluateandreduceleadbasedpainthazardsanddescribehowleadbasedpainthazardswillbeintegratedintohousingpoliciesandprograms,andhowtheplanforthereductionofleadbasedhazardsisrelatedtotheextentofleadpoisoningandhazards.
Itisestimatedthatthereare18,910housingunitsthatcontainleadbasedpaint,andthatatleast75%(12,607)areoccupiedbyextremelylow,lowandmoderateincomefamilies.TheCitytakesvariousstepstoevaluateandreduceleadbasedpainthazards.WhenexecutingtheCitysRehabilitationProgram,theHUDFieldProjectManagerreviewsthesiteforapreliminaryestimateofworkitemsandevaluatestheconditionofthehouse.TheageofthehouseisdeterminedbyCountyAuditorrecords.Ifthepossibilityofleadispresentinahome,alicensedLeadRiskAssessorperformsariskassessmenttodetermineanyleadhazardsandareasofconcernwhichcouldbedamagedduringconstruction.Attheconclusionofrehabilitationwork,aclearancetestisperformedtoensurethattheareaisfreeofanyleadbasedpaintcontamination.TheCityofMiddletownwillgenerallycapitsrehabilitationprojectsat$25,000,toavoidfullleadabatement.NSPrehabilitatedhomeswillbeabatedasnecessaryaccordingtoStateandfederallaw.TheHUDFieldProjectManagerandtheHUDProgramAdministratorarelicensedLeadSafeRenovators.TheCommunityRevitalizationDepartmentwillsendappropriatestafftothepropercoursestoachieveLeadAbatementContractorcertificationduring2010whichwillpermitCitystafftowritespecsforrehabilitationworkinvolvingdisturbanceofleadbasedpaintsurfaces.Untilcompletionofthosecoursesandlicensing,anyrequiredleadcomplianceworkwillbeprocured.
-
CityofMiddletown,Ohio 20102014ConsolidatedPlan
31DRAFT(1/4/2010)
HOUSINGHousingNeeds(91.205)
1. Describetheestimatedhousingneedsprojectedforthenextfiveyearperiodforthefollowingcategoriesofpersons:extremelylowincome,lowincome,moderateincome,andmiddleincomefamilies,rentersandowners,elderlypersons,personswithdisabilities,includingpersonswithHIV/AIDSandtheirfamilies,singlepersons,largefamilies,publichousingresidents,victimsofdomesticviolence,familiesonthepublichousingandsection8tenantbasedwaitinglist,anddiscussspecifichousingproblems,including:costburden,severecostburden,substandardhousing,andovercrowding(especiallylargefamilies).
2. Totheextentthatanyracialorethnicgrouphasadisproportionatelygreaterneedforanyincomecategoryincomparisontotheneedsofthatcategoryasawhole,thejurisdictionmustcompleteanassessmentofthatspecificneed.Forthispurpose,disproportionatelygreaterneedexistswhenthepercentageofpersonsinacategoryofneedwhoaremembersofaparticularracialorethnicgroupisatleasttenpercentagepointshigherthanthepercentageofpersonsinthecategoryasawhole.
OverallNeedsOfthe21,357householdsinMiddletown,approximately8,053ofthemor54.1percentofallhouseholdshaveincomeatorbelow80percentoftheareamedianincomeof$39,600.Thesehouseholdscanbesegmentedasfollows:
Approximately3599withincomeslessthanorequalto30percentofthemedianincome(extremelylowincome)11;
Approximately2,986withincomesof30to50percentofthemedianincome(verylowincome)12;and
Approximately4,970withincomesof50to80percentofthemedianincome(lowincome)13.
11Extremelylowincomehouseholdsarehouseholdsearning30%orlessoftheareamedianincome(adjustedforfamilysize).GiventhattheaggregateareamedianhouseholdincomefortheMiddletownin2008was$39,600(forahouseholdoffour),householdsearning$11,880orlessannuallyareconsideredextremelylowincome.12Verylowincomehouseholdsarehouseholdsearningbetween31%and50%oftheareamedianincome(adjustedforfamilysize).Giventhattheaggregateareamedianincomeforthein2008was$39,600(forahouseholdoffour),householdsearning$19,800orlessannuallyareconsideredverylowincome.13Lowincomehouseholdsarethoseearningbetween51and80%oftheareamedianincome(adjustedforfamilysize).GiventhattheaggregatehouseholdareamedianincomeforMiddletownin2008was$39,600(forahouseholdoffour),householdsearning$31,680orlessannuallyareconsideredlowincome.
-
32DRAFT(1/10/2010)
Ahousingproblemisdefinedasacostburdenofgreaterthan30%ofhouseholdincomeand/orotherhousingproblemssuchasovercrowding(1.01+persons/room)and/orwithoutcompletekitchenorplumbingfacilities.Costsburdenisdefinedasthefractionofahouseholdstotalgrossincomethatisspentonhousingcosts.Forrenters,housingcostsincluderentpaidbythetenantplusutilities.Forowners,housingcostsincludemortgagepayments,taxes,insuranceandutilities.InMiddletownapproximately300households(1.4percentofthetownshouseholds)havehousingproblemsassociatedwithsubstandardconditionssuchasovercrowdingorincompletekitchenorplumbingfacilities.These300+substandardstructuresneedtoberehabilitatedorremovedfromourhousingstockasfundingpermits.Thebreakdownonsubstandardhousingunitsincludes143vacanthouses,225rentalproperties,and99homeowneroccupiedhouses.ExtremelyLowIncomeHouseholds.Extremelylowincomehouseholdsrepresentapproximately16.9%oftotalhouseholdsinMiddletown.Ahighpercentageofthissegmentwillbesubjecttoatleastonehousingburden,andmanyfaceoverlappingburdensofcostburden,overcrowdingandsubstandardlivingconditions.Thisgroupwillhaveanongoingneedforhousingassistance.VeryLowIncomeHouseholds.Verylowincomehouseholdsrepresentapproximately14.0%oftotalhouseholdsinMiddletown.Ahighpercentageofthissegmentwillalsobesubjecttoatleastonehousingburden,andmanywillfaceoverlappingburdensofcost,overcrowdingandsubstandardlivingconditions.LowIncomeHouseholds.Lowincomehouseholdsrepresentapproximately23.2%oftotalhouseholdsinMiddletown.Thissegmentwillseemixedhousingburdens.Atupperincomelevelsinthelowincomerange,householdscanrentsmallerunitsatfairmarketrentwithoutexceedingtheircostburdenof30%14.Likewise,withmeanaveragesalespricesofsinglefamilyhomesunder$45,000asofthemostrecentdata15,ahouseholdinthelowincomerangecouldaffordasmaller2bedroomhomeinMiddletown.ThereareanabundanceofthesehomesforsaleintheCityatthistime.Housingneedsforthisgroupwillneedtofocusoncostburdensandovercrowding,wherethehouseholdcannotaffordalargeenoughhousingunitfortheincomeandthecitymustguardagainstsubstandardstructures,wherelargesubstandardhousingmaybeallthehouseholdcanaffordtohouseallfamilymembers.
14SeeTable11.HousingAffordability.15SeeTable13,MedianSalesPrice.
-
CityofMiddletown,Ohio 20102014ConsolidatedPlan
33DRAFT(1/4/2010)
Table4.HousingProblemsforallHouseholds
HousingProblemsforAllHouseholdsNameofJurisdiction:Middletowncity,Ohio SourceofData:CHASDataBook DataCurrentasof2000
Renters Owners
HouseholdbyType,Income,&Housing
Problem
Elderly1&2
memberhousehold
sSmallRelated(2to4)
LargeRelated(5or
more)AllOther
HouseholdsTotalRenters
Elderly1&2memberhouseholds
SmallRelated(2to4)
LargeRelated(5ormore)
AllOtherHouseho
ldsTotal
OwnersTotal
Households (A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (L)
1.HouseholdIncome50% 50.3 53.5 48.9 62.6 55.3 36.7 68.8 65.9 51.4 46 52.5
6.HouseholdIncome>30%to30% 64 57 40.5 57 56.4 28.4 64.6 45.8 59.3 42 49.59.%CostBurden>50% 8 6.6 2.4 5.4 6 10.8 18.5 5.6 33.5 15.6 10.6
-
34DRAFT(1/10/2010)
10.HouseholdIncome>50to30% 14.1 5.5 2.5 10.8 8.2 18 35.4 20.7 40.1 28.3 18.813.%CostBurden>50% 1.3 1.4 0 0 0.8 5.4 5.7 0 7.8 5.5 3.314.HouseholdIncome>80%MFI 159 1,059 95 820 2,133 1,644 4,655 655 805 7,759 9,89215.%withanyhousingproblems 0 0.4 10.5 2.4 1.6 3.6 4.3 12.2 11.8 5.6 4.716.%CostBurden>30% 0 0 0 0 0 3.6 4.1 3.8 9.9 4.6 3.617.%CostBurden>50% 0 0 0 0 0 0.2 0.3 0 2.5 0.5 0.4
18.TotalHouseholds 1,497 3,483 608 2,993 8,581 4,144 6,142 959 1,621 12,866 21,44719.%withanyhousingproblems 52.4 28.1 50 36.9 36.9 21.1 14.9 23.9 31.8 19.7 26.620.%CostBurden>30 51.7 27 34.5 35.7 34.9 21.1 14.7 14.7 30.9 18.8 25.221.%CostBurden>50 27.7 12.8 15.3 18.8 17.7 9.3 4.2 3.4 13.1 6.9 11.2
-
CityofMiddletown,Ohio 20102014ConsolidatedPlan
35DRAFT(1/4/2010)
RenterHouseholdsSome6,448households(75.1percentofallrenterhouseholds)haveincomesatorbelow80percentoftheareamedianincome.Ofthisnumber46.4%(2,991)havehousingburdensmorethanorequalto30%oftheirincomeand1,517(23.5%)havehousingburdensthatexceed50%oftheirincome.Therearealso142(2.2%)ofthetargetrentalhouseholdshavehousingproblemsassociatedwithsubstandardconditionsalone.
Table5.HouseholdbyType,Income,&HousingProblem
HouseholdbyType,Income,&HousingProblem
Elderly SmallRelated LargeRelated All1&2 (2to4) (5ormore) OtherMember HouseholdsHouseholds
(A) (B) (C) (D)1.HouseholdIncome50% 50.3 53.5 48.9 62.6
ExtremelyLowIncomeRentersThe2,541extremelylowincomerentersrepresent11.8percentofthetotalhouseholdsinMiddletown.Ofthatnumber1,931(76.0percent)havesometypeofhousingproblem.Morethan75percentofthisgroup(1,921households)payatleast30percentoftheirincomeormoreforhousingand55.3percentofthem(1,405)paymorethan50percentoftheirincome.Inadditionthereisasmallgroupofonly10householdsthatalsohavehousingproblemsassociatedwithsubstandardconditionsalone.Withinthisgroup,morethan70percentofeverysubgroup(i.e.elderly,smallrelatedhouseholds,largerelatedhouseholdsandunrelatedindividualsinhouseholds)areexperiencinghousingcostburdensinexcessof30percent.Unrelatedindividualsinhouseholdsareexperiencingcostburdensinexcessof50percent.VeryLowIncomeRentersThe1,556lowincomerentersrepresent7.3percentofthetotalhouseholdsinMiddletown.Ofthatnumber,910(58.5percent)havesometypeofhousingproblem.Morethan56percentofthem(878households)areexperiencingcostburdensofatleast30percentwhileonly6.0percentofthem(93households)areexperiencingcostburdensinexcessof50percent.Anadditional33households(2.1percent)areexperiencinghousingproblemsassociatedwithsubstandardconditions.Morethan57percentofallhousingsubgroupsareexperiencingsomesortofhousingproblem,with64percentofelderlyhouseholdsexperiencingcostburdensinexcessof30percent.
-
36DRAFT(1/10/2010)
LowIncomeRentersThereare2,351lowincomehouseholds,representing11.0percentofthetotalhouseholdsinMiddletown.Ofthatnumber,12.4percent(292households)areexperiencinghousingproblems.Some193households(8.2percent)areexperiencingcostburdensinexcessof30percentandonly19households(0.8percent)areexperiencingcostburdensinexcessof50percent.Thereare99households(4.2percent)thatareexperiencinghousingproblemsassociatedwithsubstandardconditions.Largerelatedhouseholdsfaremostpoorlywithinthisgroupwith29.4percentofthemexperiencinghousingproblems,andthosemostlyassociatedwithsubstandardconditions.
OwnerHouseholdsMorethan53percent(11,436households)ofMiddletownshouseholdsareowneroccupiedandhaveincomesequaltolessthan80percentofareamedianincome.Thisrepresentsnearly90percentofallowneroccupiedhouseholdsinthecity.Ofthesehouseholdsatthisincomelevel1,923(16.8percent)areexperiencinghousingproblemsofsomesort.Morethan1,800(15.9percent)areexperiencingcostburdensofmorethan30percentandsome670households(5.9percent)areexperiencingcostburdensinexcessof50percent.Anadditional101households(0.9percent)areexperiencinghousingproblemsassociatedwithsubstandardconditions.
Table6.OwnerHouseholdsOwnerHouseholds
%ofownerHH
-
37DRAFT(1/10/2010)
VeryLowIncomeOwnersMorethan1,400householdscomprisethissegmentrepresenting6.7percentofallhouseholdsinMiddletown.Some43percent(615households)areexperiencingsomesortofhousingproblemwith42percent(601households)experiencingcostburdensofatleast30percentand223households(15.6percent)experiencingcostburdensinexcessof50percent.Only14households(1.0percent)inthissegmentareexperiencinghousingproblemsassociatedwithsubstandardconditions.Approximately64percentofbothsmallrelatedandlargerelatedhouseholdsareexperiencinghousingproblems.Elderlyhouseholdsinthissegmenthavetheleaststressfulhousingconditionswithonly28percentexperiencingcostburdensinexcessof30percent.LowIncomeOwnersThe2,619householdsthatfallintothissegmentrepresent12.2percentofallMiddletownhouseholds.Oftheirnumber,765(29.2percent)areexperiencinghousingproblems.Thosewithcostburdenproblemofatleast30percentrepresent28.3percentofthegroup(741households)and144households(5.5percent)areexperiencingcostburdensofgreaterthan50percent.Thereare,however,24households(0.9percent)whosehousingproblemsareassociatedwithsubstandardconditions.Thesubgroupofunrelatedindividualinhouseholdsishavingthemosthousingprobleminthissegmentwithmorethan40percentexperiencingcostburdensofatleast30percent.
PriorityHousingNeeds(91.215(b))1. Identifythepriorityhousingneedsandactivitiesinaccordancewiththecategoriesspecified
intheHousingNeedsTable(formerlyTable2A).ThesecategoriescorrespondwithspecialtabulationsofU.S.censusdataprovidedbyHUDforthepreparationoftheConsolidatedPlan.
2. Provideananalysisofhowthecharacteristicsofthehousingmarketandtheseverityofhousingproblemsandneedsofeachcategoryofresidentsprovidedthebasisfordeterminingtherelativepriorityofeachpriorityhousingneedcategory.
3. Describethebasisforassigningtheprioritygiventoeachcategoryofpriorityneeds.4. Identifyanyobstaclestomeetingunderservedneeds.ThehousingneedsinMiddletownwerehighlightedintheprevioussection.Itisclearthattheneedssignificantlyexceedtotheavailabilityoffunding.ThePriorityHousingNeedstableidentifyingtheneedsexpectedtobefundedinthecomingfiveyears.Theprioritiesarebasedonthefollowing:
Highpriority=expectstofundinthecomingyear Mediumpriority=mayfundsinthecomingfiveyearsbasedonfundingavailability Lowpriority=notexpectedtofundinthecomingfiveyears.
-
38DRAFT(1/10/2010)
Table7.PriorityHousingNeeds(Households)
PriorityHousingNeeds(Households) PriorityNeed
Level
Renter
SmallRelated0to30%31to50%51to80%
Low
LargeRelated0to30%31to50%51to80%
Low
Elderly0to30%31to50%51to80%
Low
AllOther0to30%31to50%51to80%
Low
Owner0to30%31to50%51to80%
MediumMediumHigh
SpecialNeeds 0to80% Low
HousingMarketAnalysis(91.210)1. Basedoninformationavailabletothejurisdiction,describethesignificantcharacteristicsof
thehousingmarketintermsofsupply,demand,condition,andthecostofhousing;thehousingstockavailabletoservepersonswithdisabilities;andtoservepersonswithHIV/AIDSandtheirfamilies.Dataonthehousingmarketshouldinclude,totheextentinformationisavailable,anestimateofthenumberofvacantorabandonedbuildingsandwhetherunitsinthesebuildingsaresuitableforrehabilitation.
2. Describethenumberandtargeting(incomelevelandtypeofhouseholdserved)ofunitscurrentlyassistedbylocal,state,orfederallyfundedprograms,andanassessmentofwhetheranysuchunitsareexpectedtobelostfromtheassistedhousinginventoryforanyreason,(i.e.expirationofSection8contracts).
3. Indicatehowthecharacteristicsofthehousingmarketwillinfluencetheuseoffundsmadeavailableforrentalassistance,productionofnewunits,rehabilitationofoldunits,oracquisitionofexistingunits.Pleasenote,thegoalofaffordablehousingisnotmetbybedsinnursinghomes.
OverallHousingMarketThroughthe1990s,theeconomyoftheHamiltonMiddletownHousingMarketArea(HMA)grewrapidlybecauseofaninfluxofcommutersseekingaffordablehousingandanexpansioninemployment.Residentemploymentandnonfarmemploymentbothrecordedincreasesthat
-
39DRAFT(1/10/2010)
continueduntiltheeconomicslowdownin2002.Throughmid2005,residentandnonfarmemploymenthadbothrecoveredandnowexceedtheirhighestlevelsrecordedin2001.Lowmortgageinterestratesandpopulationgrowthhavecontributedtoastronghomesalesmarketinthearea.From2000through2005,singlefamilyhomesales,aswellasthemediansinglefamilyhomeprice,hadincreasedbyalmost4percentannually.Conditionsinmuchoftherentalmarkethavebeencompetitive.Asanincreasingnumberofrenterhouseholdshavebecomehomeownerhouseholdsandrenterhouseholdgrowthhasslowed,vacancyrateshaveincreased.Asaresult,rentshadremainednearlyconstantthoughthemiddleofthedecade.Demandfordevelopmentof6,500newhousingunitswasexpectedthroughtheendofthisdecade,including6,000salesunitsand500rentalunits.16However,between2005and2009only141singlefamilyand22multifamilyunitshavebeenbuiltinMiddletownaccordingtotheofficeoftheChiefBuildingOfficial.ThisindicatesthesevereimpactofrecenteconomicconditionsonthistownwhoseemploymenthashistoricallybasedinsteelandpaperproductionbuthasinrecentyearsseenincreasingemploymentatregionalcampusofMiamiUniversity.NumberofHousingUnitsThestrongpopulationandhouseholdgrowthbetween1990and2000causedthehousingunitinventoryintheHamiltonMiddletownHMAtogrowby1.6percentannually,to129,793units.By2005theHMAhadanestimated140,000housingunits.StrongsinglefamilydevelopmentoccurredintheHMAinthe1990s.JobgrowthandcommuterslookingtorelocatefromCincinnatiorDaytonincreasedthedemandforsinglefamilyhomes.Withitsabundanceoflandandreasonablehousingprices,theHMAbecameacenterofhomebuildingintheregion.Buildingactivitypeakedin1999with2,200buildingpermitsissuedforsinglefamilyresidences.Singlefamilybuildingpermitactivitycontinuedtobestrongbetween2000and2005,averaging2,124unitsannually.Lowmortgageinterestratesandhouseholdgrowthcontinuetostimulatedemandfornewhousingproduction.AlthoughsomenewsinglefamilyhomesarebeingbuiltinthecitiesofHamiltonandMiddletown,mostnewsinglefamilyconstructionishappeninginthesoutheasternunincorporatedtownships.Middletownhasbeenatastabletoslightlydeclininglevelofhousinginventoryformorethanadecade.Asshowninthefigurebelow,thatnumberhasbeenslightlyhigherthan23,000sincethebeginningofthedecade.Permitdataforsinglefamilyhomeshasbeenslowlydecliningformorethanadecadeuntilithasnearlycometoahaltduringthismostrecenteconomicslump.Multifamilydevelopmentwasalsostrongthroughoutthe1990s,averagingmorethan500unitspermittedayear.From1995to1999,3,325multifamilyunitswerepermitted,includingarecord1,200unitsin1999.Multifamilydevelopersrespondedtodemandasrapidnetinmigrationfromadjacentmetropolitanareasandstrongjobgrowthstimulatedrenterhouseholdgrowth.Althoughmultifamilydevelopmentcontinuedatarateof430unitsannuallybetween2000and2005,someofthesepermitswereforcondominiums.After2005,when22newmultifamilyunitsconstructed,therehavebeennoadditionstothemultifamilyinventoryinMiddletown.16Source:AnalysisoftheHamiltonMiddletown,OhioHousingMarketasofApril1,2005;USDept.ofHUD,PD&R.
-
40DRAFT(1/10/2010)
Figure5.HousingGrowth
Housing Growth
22,80023,00023,20023,40023,60023,800
2000 2001 2002 2003 2004 2005 2006
Figure6.SingleFamilyNewHouseBuildingPermits
Single Family New House Building Permits
050
100150200
1996
1998
2000
2002
2004
2006
2008
HousingMixThefigurebelowdepictsthetotalmixofhousingstructuresbyclassificationsofsinglefamilydetached,singlefamilyattached,multifamilyandmobilehome.Comparedtothestateandthecountiesinwhichitislocated,Middletownhasslightlyfewersinglefamilydwellingsofbothtypesandslightlymoremultifamilydwellings.
Table8.HousingMixHousingMix
Middletown ButlerCounty
WarrenCounty Ohio
SFDetached 68.3% 71.2% 75.8% 68.3%SFAttached 2.7% 3.4% 6.6% 4.6%MultiFamily 27.2% 22.1% 16.4% 23.1%MobileHome 1.8% 3.3% 1.2% 4.0%
AgeofHousing
-
41DRAFT(1/10/2010)
MiddletownshousingstockisgenerallyolderthantheexistingstockfoundineitherButlerorWarrencounties,aswellasthestateofOhioasawhole.Onaverage,mostofMiddletownshousingwasbuiltbefore1970withonly18.7percentofitsstockbeingbuiltafter1970.Thiscompareswiththe59.5percentand74.4percentofthehousingstockinButlerandWarrencounties,respectively,and43.4percentforthestateofOhio.Thiswouldseemtoindicateboththelackofavailableandsuitablelandforsuchdevelopment,increasingopportunitiesfordevelopmentinitsregionbutoutsideitstownboundaries,aswellastheimpactoftheeconomicdownturnssufferedbythetownduringthisdecade.
Table9.HousingAgeHousingAge
Middletown ButlerCounty
WarrenCounty Ohio
Built2005orlater 0.7% 3.3% 6.6% 1.9%Built2000to2004 0.6% 9.9% 19.7% 6.7%Built1990to1999 4.4% 15.8% 25.2% 11.5%Built1980to1989 4.9% 13.5% 11.0% 8.9%Built1970to1979 8.1% 17.0% 11.8% 14.4%Built1960to1969 15.4% 9.6% 8.3% 12.5%Built1950to1959 14.3% 11.9% 8.8% 14.8%Built1940to1949 32.1% 5.5% 2.5% 7.0%Built1939orearlier 19.6% 13.5% 6.1% 22.3%
OccupancyMiddletownsvacancyratein2009rangedashighas14%+insomeareas.AsnotedinthegraphicbelowthereisatendencyforhousingintheWestsidecommunitieslikeRiversideVillage,South,Church,OaklandandProspectallclusteredaroundthedowntownareatohavethehighestvacancyrates.Thesehighvacancyratesareacombinationofmarkedlydepressedrentalhousingactivity,olderhomeswhichhaveseendeferredmaintenanceandthereforearelessattractivetoincominghomebuyers,increasedcrimelevelsinthoseneighborhoods,andtheforeclosurecrisis.SomewhatmoremodestvacancyratesareevidentinthesoutherncommunitiessuchasMeadowlawn,Mayfield,Greenfields,Amanda/OneidaandFarHills.ThenortheasternandeasterncommunitieslikeSpringhill,SawyersMill,TheOaksandRennaisancehavethelowestvacancyrates.
Figure7.VacancyRates
-
42DRAFT(1/10/2010)
RentalHousingTrendsInMiddletown,anestimated40.5percentor8,650householdsrentedtheirhomein2009.By2014,9,421householdsareprojectedtorenttheirhomes.17Distributionsbynumberofbedroomsarenotavailableformorerecentyears,butaccordingtotheU.S.CensusBureau,thedistributionofrentalunitsbynumberofbedroomintheyear2000isnotedinthechartbelow.Middletownsrentalhousingstockiscomposedmostly(50.51percent)of2bedroomunits,whichisaslightlyhigherproportionoftheirrentalstockthanisthecaseineitherButlerCountyorOhioasawhole.
Table10.RentalHousing
Middletown ButlerCounty Ohio
NumberofUnits
PercentofAllRentalUnits
NumberofUnits
PercentofAllRentalUnits
NumberofUnits
PercentofAllRentalUnits
0or1Bedroom 2,380 28.80% 9,535 28.65% 420,718 32.68%2Bedrooms 4,174 50.51% 16,090 48.35% 564,664 43.87%3ormoreBedrooms 1,709 20.68% 7,655 23% 301,885 23.45%All 8,263 100% 33,280 100% 1,287,267 100%
17SeeTable2.LaborForce.
-
43DRAFT(1/10/2010)
Rentalhousingactivityforthesecondhalfofthisdecadehasbeenmarkedlydepressed.Asanincreasingnumberofrenterhouseholdshavebecomehomeownerhouseholdsandrenterhouseholdgrowthhasslowed,vacancyrateshaveincreased.Asaresult,rentshadremainednearlyconstantthoughthemiddleofthedecade.Demandfordevelopmentof6,500newhousingunitswasexpectedthroughtheendofthisdecade,including6,000salesunitsand500rentalunits.However,between2005and2009only141singlefamilyand22multifamilyunitshavebeenbuiltinMiddletownaccordingtotheofficeoftheChiefBuildingOfficial.
Figure8.BuildingPermitActivity
Building Permit Activity
63
33
1322
0 0 0 08
34
0
20
40
60
80
2005 2006 2007 2008 2009
Single FamilyMulti-Family
AffordabilityInCincinnatiMiddleton(HousingMarketArea)HMA,theFairMarketRent(FMR)foratwobedroomapartmentis$733.Inordertoaffordthislevelofrentandutilities,withoutpayingmorethan30%ofincomeonhousing,ahouseholdmustearn$2,443monthlyor$29,320annually.Assuminga40hourworkweek,52weeksperyear,thislevelofincometranslatesintoaHousingWageof$14.10.InCincinnatiMiddletonHMA,aminimumwageworkerearnsanhourlywageof$7.30.InordertoaffordtheFMRforatwobedroomapartment,aminimumwageearnermustwork77hoursperweek,52weeksperyear.Or,ahouseholdmustinclude1.9minimumwageearner(s)working40hoursperweekyearroundinordertomakethetwobedroomFMRaffordable.InCincinnatiMiddletonHMA,theestimatedmean(average)wageforarenteris$13.33anhour.InordertoaffordtheFMRforatwobedroomapartmentatthiswage,arentermustwork42hoursperweek,52weeksperyear.Or,working40hoursperweekyearround,ahouseholdmustinclude1.1worker(s)earningthemeanrenterwageinordertomakethetwobedroomFMRaffordable.
-
44DRAFT(1/10/2010)
MonthlySupplementalSecurityIncome(SSI)paymentsforanindividualare$674inCincinnatiMiddletonHMA.IfSSIrepresentsanindividual'ssolesourceofincome,$202inmonthlyrentisaffordable,whiletheFMRforaonebedroomis$566.
Table11.HousingAffordability
UnitSize2009FairMarketRent(FMR)
AnnualIncomeneededtoAffordFMR
%ofFamilyAMINeededtoAffordFMR
HousingWageas%ofMinimumWage
HousingWageas%ofMeanRenterWage
JobsatMeanRenterWageNeededtoAffordFMR
0Bedroom $478 $19,120 28% 126% 69% 0.71Bedroom $566 $22,640 33% 149% 82% 0.82Bedroom $733 $29,320 42% 193% 106% 1.13Bedroom $981 $39,240 57% 258% 142% 1.44Bedroom $1,019 $40,760 59% 268% 147% 1.5
Asthetableaboveshows,theaveragerenterinMiddletownmustwork0.7jobsatthemeanrenterwageof$13.33perhourtobeabletoaffordastudio(zerobedroom)apartment.ThismeansthatmanyserviceandentryleveljobscansupportasingleindividualintheMiddletownarea.Iftheaveragerenterhasafamilytosupportandrequiresatwobedroomapartment,theminimumsalaryneededrisesto$29,320inanareawheretheaveragerenterssalaryis$32,416.AsshowninTable1.PopulationDistribution,approximately6,623householdsinMiddletownearnlessthan$30,000peryearannuallyandthesehouseholdswouldhavetroublerentingatwobedroomapartmentatFairMarketRent.Thiscouldleadtodoublingupandcrowding,ashouseholdsshareaccommodation,andmaybeintensifiedbyadampeningofjobcreationforentrylevelpositionswhichpayatorbelowtheaveragerenterssalary.WhatthismeanstotheaveragehourlyworkeristhatasignificantnumberofminimumwageserviceworkersessentialtothecontinuingeconomicvitalityofMiddletownanditssurroundingcountiescannotreadilyaffordthecostofbasichousingwithoutincurringahousingburdenofmorethan30%oftheirincome.Thechartbelowillustratesmanyofthetypesofworkerswho,withoutincurringahousingburden,cannotaffordtohousethemselvesandtheirfamiliesinMiddletown.
OwnerOccupiedHousingTrendsHomeownershipinMiddletownislowestinthecommunitiesringingthedowntownareaandbecomesincreasinglyhigherasonemovesoutwardfromthatarea.Thenortheasternand
-
45DRAFT(1/10/2010)
easterncommunitiesareveryheavilyowneroccupiedwithamorethan70percentrate.Astillsignificant,butslightlylesserrateofhomeownershipisevidentespeciallyinthecommunitiesinthesouthernareasofMiddletown.Theretherateshoverintherangeof40to60percent.However,thehousingintheGreenfieldsandFarHillsareas,immediatelyadjacenttotheButlerWarrencountylineareinthe30percentrange.Onaverage,Middletownhasapproximately59percentofitshousingowneroccupiedand41percentrenteroccupied.
Figure9.HomeOwnershipRates
Asnotedinthechartsbelow,homesalesactivityhaddroppedprecipitouslyasMiddletownandButlerCountywereimpactedbytherecenteconomicslump.Fromthestrongshowingin2007,activityfellbymorethan20percentinMiddletownin2008.InButlerCountytheimpactwasslightlylesswithadecreaseinhomesalesofslightlylessthan15percent.Withover1000vacantsinglefamilyhomesinMiddletownatthetimeofthisPlan,theCityhasatleasta12monthsupplyofhomesforsaleusing2008numbers.
Table12.NumberofHomeSales
NumberofHomeSales 2007 2008Q1 2008Q2 2008Q3 2008Q4 2008 2009Q1City(Middletown) NumberofSales 1,160 179 331 317 226 900 202
-
46DRAFT(1/10/2010)
County(Butler) NumberofSales 6,779 991 2,169 2,227 1,568 5,832 1,094
However,evenwiththepotentialforarecoveryinthevolumeofhomesalesinthefirstquarterof2009comparedtothesameperiodin2008,themediansalespricesforthosehomeshasbeenonadownwardtrajectoryfrom$64,850in2007to$55,584in2008to$44,600inthefirstquarterof2009forMiddletown.Thisrepresentsa14percentsalespricedeclineandanearly23percentsalesvolumedeclinebetween2007and2008.Thistrajectoryseemsliketocontinuegiventheevenlowermediansalespriceregisteredforthefirstquarterof2009,eventhoughthattrendhasnotbeenasmarkedinthesalesvolumeitself.ButlerCountyhaslikewiseseena7percentdropinmediansalespriceswhich,thoughnotasprecipitousasMiddletowns,appearstobecontinuingonadownwardtrajectorygiventhereportofthefirstquarterof2009.
Table13.MedianSalePrice
MedianSalePrice 2006 2007 2008 2009Q1City(Middletown)MedianPrice $69,900 $64,850 $55,584 $44,600County(Butler)MedianPrice $134,000 $124,000 $115,000 $94,000
Thefirstquarterof2009figuresforMiddletownwouldseemtoindicateanimprovementfromatleastthelevelsofsalesvolumeseenduringthefirstquarterof2008.However,betweenthefourthquarterof2008andthefirstquarterof2009,thenumberofhomesalesinMiddletownstilldecreasedby10.62percentandthemediansalespricedecreasedby12.2percent,asillustratedinthechartsbelow.WhileMiddletownssalesvolumewasconsiderablymorevolatilethanmediansalesprices,bothhavebeenonaconsistentlydownwardtrajectoryforthenearlytwoyearsprecedingthefirstquarterof2009,withtheexceptionofhomesalesvolumeinthefirstquarterof2008.
Table14.HomeSaleVariationHomeSaleVariation
2007Q12007Q2
2007Q22007Q3
2007Q32007Q4
2007Q42008Q1
2008Q12008Q2
2008Q22008Q3
2008Q32008Q4
2008Q42009Q1
City(Middletown) PercentChangein 32.56% 17.32% 46.15% 11.82% 84.92% 4.23% 28.71% 10.62%
-
47DRAFT(1/10/2010)
NumberofSalesCounty(Butler) PercentChangeinNumberofSales 65.74% 12.34% 53.53% 13.45% 118.87% 2.67% 29.59% 30.23%ThetrendsinButlerCountyaresimilarlyvariabletothoseseeninMiddletownitself.Homesalesvolumesandmedianpriceshavegenerallytrendeddownward,withnotableexceptionsinthefirstquarterof2008.
Table15.HomeSalePriceVariationHomeSalePriceVariation
2007Q12007Q2
2007Q22007Q3
2007Q32007Q4
2007Q42008Q1
2008Q12008Q2
2008Q22008Q3
2008Q32008Q4
2008Q42009Q1
City(Middletown) PercentChangeinMedianPrice 2.45% 3.55% 0% 5.97% 6.67% 0.48% 13.19% 12.2%
County(Butler) PercentChangeinMedianPrice 5% 6.27% 1.27% 15.3% 11.16% 0.08% 10.29% 14.47%Thesemorerecentpatternsinhomesalesarereallyacontinuationoftrendsthatmanifestthemselvesatthebeginningofthedecade.Whilethemediansalepriceofasinglefamilyhomebetween2007and2008decreasedinMiddletownby14.29percent,ascanbeseenonthechartbelow,thistrendisnothingnew.Between2001and2006,mediansalespricesinMiddletownhaddeclinedbynearly13percent.Interestingly,however,thetrenddidnotmanifestitselfinButlerCountyuntil2006eventhoughthevigorofitspositivetrajectoryduringthefirsthalfofthedecadecanbeseentohavebeenwaning.By2006andthrough2008,ButlerCountycanbeseentobesufferingasimilar,thoughnotasintensive,adownwardtrajectoryinmedianhomesalespricesasMiddletown.
Table16.HomeSaleTrends
HomeSaleTrends 20012006 20032006 20052006 20062007 20072008City(Middletown) PercentChangeMedianSalePrice 12.9% 6.8% 6.8% 7.22% 14.29%County(Butler) PercentChangeMedianSalePrice 12.7% 8.94% 4.24% 7.46% 7.26%
-
48DRAFT(1/10/2010)
Aggregatehousingpricesprovideameasurewithwhichtounderstandthebehaviorofhousingpricesandtheirinfluenceontheeconomy.Theseamountsrepresentthetotaldollarvolumeofsalesthatoccurredinanarea.Forallareaswithcompletecoverage,BoxwoodMeans,Inc.sumsthehomesalepriceforeachtransactionmadewithinthetimeperiodandreportsthetotalamountperyearorquarter.
Table17.AggregateHomeSaleAmount(20062007)AggregateHomeSaleAmount 2006 2007Q1 2007Q2 2007Q3 2007Q4 2007
City(Middletown) AggregateAmount $313,922,181 $26,482,992 $33,820,812 $29,423,467 $15,938,401 $87,702,333County(Butler) AggregateAmount $1,255,989,330 $232,177,959 $395,188,825 $358,462,919 $160,897,248 $945,245,494
Table18.AggregateHomeSaleAmount(20082009Q1)AggregateHomeSaleAmount 2008Q1 2008Q2 2008Q3 2008Q4 2008 2009Q1
City(Middletown) AggregateAmount $12,163,688 $22,650,308 $21,516,144 $14,006,134 $58,851,647 $11,359,274County(Butler) AggregateAmount $128,855,841 $300,462,915 $311,407,136 $192,811,110 $768,199,195 $122,996,353
AffordabilityThemedianhomevalueintheCityofMiddletownissignificantlylessthanButlerCountyandtheStateoverall.InMiddletown,afamilywithanincomeof$30,000couldaffordtopurchaseahomevaluedatlessthan$80,000.Only6,623householdsinMiddletown(31.1%)havehouseholdincomeslessthan$30,000.18Withamediansalespriceforhomesofjustunder$45,000inthefirstquarterof2009,another2,367(11.1%)householdsinMiddletowncouldaffordtobuyahouseatthecurrentmediansalesprice,leaving4,256householdseffectivelylockedoutofthehousingmarket.Theavailabilityofcreditmustbefactoredintotheseprojectionsassomelowerincomehouseholdswillbelockedoutofthehousingmarketduetopastcreditproblems.AreaMedianIncomeisthemedianincomeforaf