Homeownership continues to be out of reach for many Americans but one Indiana program is helping educators achieve the dream in hopes of boosting recruiting and retention efforts in the state.

The Educate ME Foundation helps remove barriers for Black teachers to achieve homeownership through its Teacherville initiative.

Marshawn Wolley, adviser for the African American Legacy Fund of Indianapolis which funded the project, said realizing the dream of homeownership for educators is difficult.

"Teachers, in order for them to be able to get into a home, that's probably going to be around $165,000 to $175,000 based on the average teacher salary," Wolley explained. "Right now, the average home is going for about $250,000. And so, there's a gap."

The Indiana Education Employment Relations Board said the average annual salary of an Indiana teacher for the 2022-2023 school year was just under $59,000. The initiative and the nonprofit Indianapolis Neighborhood Housing Partnership provides financial literacy and credit-management training to future homeowners.

The Martindale Brightwood Community Development Corporation also partners with the initiative. The nonprofit identifies safe and affordable housing sites in distressed neighborhoods. Wolley pointed out the ability for the Black community to come together and take care of itself is a key part of the program.

"That is the tradition of Black philanthropy," Wolley observed. "We have relied on one another in order for us to survive and even thrive. Black philanthropy has always been in the community; we've always been doing this."

The corporation said it plans to build six new homes before the end of 2024. Wolley is optimistic the program could expand to include members of law enforcement and others facing hurdles entering the challenging homebuying market. According to the Urban Institute, nearly 66% of Indiana homeowners are younger than age 65.

Homelessness in South Dakota may be down overall, but the state's urban areas are an exception. New programs in Sioux Falls aim to address it.

The most recent point-in-time data show the number of people unhoused in Sioux Falls rose by 20% between 2022 and 2023. Native people experience homelessness at a disproportionately high rate, making up nearly 40% of the unhoused population in the area. So, South Dakota Urban Indian Health launched the Wo'Okiye program last year, with case management services and help making and getting to medical appointments.

Monica Bailey, program manager and Standing Rock Sioux Tribe member, said these wraparound services give staff a variety of options to respond.

"If they want to go to treatment or if they want to talk. We also provide smudging, therapeutic beading and sewing. We just meet people where they're at on their journey," she said.

Bailey added the organization is averaging 1,300 contacts a month -- an increase from about 260 last September, after launching its initial street outreach efforts a year ago.

The City of Sioux Falls also hired its first Homelessness Services Coordinator in April. Bailey said Wo'Okiye will work closely with the coordinator, and has partnered with others in the city.

"For example, we have a great relationship with downtown Sioux Falls Library, where they can call us and we can go in and check on someone, and bring them to our space or see if we need to do a warm handoff," Bailey said.

The unhoused population in Rapid City also grew last year, although homelessness across the state has decreased nearly 8% since 2022, according to the U.S. Department of Housing and Urban Development.


get more stories like this via email

As Virginia evictions rise, one group is helping low-income renters fight back.

Before the pandemic, evictions peaked at 16,000 in January 2020. An eviction moratorium kept renters housed during part of the pandemic but evictions are growing again.

Phil Storey, director of the Eviction Defense Center at the Virginia Poverty Law Center, said his office helps people navigate housing court.

"We wanted to provide not just information about things they can bring up to the judge to try and affect what happens but also some tools that'll help them do that without having to act as if they were experienced lawyers," Storey explained.

He added eviction laws are better for tenants, although they still give landlords an advantage. Affordable housing significantly declined in the state leaving many people unable to afford housing. The Eviction Defense Center operates on two websites. English speakers can use FightMyEviction.org and Spanish speakers can use NoDesalojo.org.

While the Eviction Defense Center is still relatively new, Storey is looking for ways to improve and build on it. He added they want to learn from the users taking advantage of the tools being offered.

"Obviously, we'll be able to go sort of peek behind the curtain and see which paths people are following through the information," Storey noted. "If some of them end up as dead ends or if people end up backing out of the decision tree, or things like that. We'll learn things about how to make that all better."

New York's 2025 budget takes proactive steps to address rural housing.

In the budget, $10 million was allocated for improvements to rural housing built by the U.S. Department of Agriculture's Section 515 program. Rural housing organizations asked for $25 million but are grateful the state is taking action.

Mike Borges, executive director of the Rural Housing Coalition of New York, said another bill the Legislature should pass makes the Mobile and Manufactured Home Replacement Program permanent.

"Basically what that does is provide grants to low- to moderate-income people to replace their mobile homes that are dilapidated and unsafe," Borges explained.

He would also like to see administration fees increase for nonprofits taking part in the Access to Home Program, which provides accessibility modification for low- to moderate-income residents. Reports showed it got requests totaling $12 million but only got enough funding for $1 million in improvements. The Senate is poised to pass both bills, leaving the Assembly as the final hurdle.

However, the budget was not perfect for rural housing. Borges said one shortcoming of the 2025 budget were cuts to the RESTORE program, which provides emergency repairs for low-to-moderate-income seniors. He said New York should take action now to continue improving rural housing preservation and development.

"We need a comprehensive housing initiative that looks at the obstacles to building and renovating, repairing housing in rural communities," Borges contended. "The three main obstacles to that are local capacity, infrastructure and targeted programs for rural housing."

He added rural areas do not often have the same resources and capacity as urban communities. Because rural housing is in short supply because of the aging housing stock, there have been stark population declines from rural New York communities.