Colorado's minimum wage workers would have to work 94 hours per week to afford a modest two-bedroom apartment, according to a new report.

Even after a deal was struck to avoid a default on the nation's bills, Congress is still moving to cut roughly 22% from the U.S. Housing and Urban Development's budget.

Cathy Alderman, chief communications and public policy officer at the Colorado Coalition for the Homeless, said cuts to affordable housing and rental assistance programs would be devastating for the nation's most vulnerable populations.

"If that happens, almost a million households that are currently receiving rental assistance could lose that rental assistance, at a time when housing costs are increasing," Alderman pointed out. "It's likely that those households would fall into homelessness."

The GOP controlled House of Representatives passed legislation in April calling for across the board cuts to non-military spending, which the Biden administration estimates would result in lost rental assistance for 10,000 Colorado families, including older adults, people with disabilities, and families with children.

Families of color have long faced discriminatory housing policies, dating to soldiers returning from World War II being denied down payments under the GI Bill, and being denied mortgages in certain neighborhoods.

Alderman pointed out such families would also take the biggest hit if Congress succeeds in cutting housing assistance now.

"Those households are going to be at much greater risk of falling into housing insecurity," Alderman emphasized. "And particularly homelessness, at a time when the Black and Native American populations are already disproportionately represented in the households experiencing homelessness."

The National Low Income Housing Coalition report ranked Colorado the eighth least-affordable state in the nation for housing. Alderman argued the best and most efficient use of tax dollars from HUD, Proposition 123 funding and other recent affordable housing policies is to invest in solutions for the lowest income households with the greatest need.

"If we don't stabilize those individuals, they will fall into the cycle of homelessness," Alderman contended. "They will draw down more resources, because it is much more expensive to be in the cycle of homelessness than it is to stay stably housed."

As the U.S. navigates a prolonged housing crisis, a North Dakota organization is highlighting data
showing significant homeownership disparities. According to the High Plains Fair Housing Center, North Dakota has the largest racial gap in the nation when it comes to owning a home. The state's gap is more than 20% higher than the U.S. average.

Jade Eagle, fair housing specialist with High Plains Fair Housing Center, said families of color were more likely than white families to have their applications denied or withdrawn. Both groups had common factors, but a lack of sufficient employment was higher for racial groups. She added there needs to be more job opportunities for these individuals.

"And I believe that lenders also need to be willing to work with people who have less traditional employment history, such as people who work for Uber, who have gig economy-type setups," she explained.

As for those submitting mortgage applications, the report says there are some eye-opening numbers, such as Native Americans accounting for just 1% of lending requests. That is despite the fact that they represent more than 5% of the state's population. Census Bureau data, covering last year, was a key source for much of the findings.

Eagle said there are some key assistance programs that can help close these gaps, but added awareness can be an issue.

"Especially the Section 184 program from HUD - I think that that is a huge game changer, potentially for Native families," she continued. "And I just feel like not many people know about it."

The HUD program she is referring to provides low down-payment requirements and flexible financing for American Indian and Alaska Native families. Other leaders with the Center say these programs, and those assigned to carry them out, often have to balance using their limited budgets to advertise the aid and securing enough resources to assist applicants.

High rent prices are draining the budgets of many Nebraska renters, who are paying between 30% and 50% of their income on rent.

In some parts of the state, this affects nearly half of renters - and evictions are on the rise. The first six months of 2023 saw almost 1,400 more eviction cases than at the same time in 2022.

Scott Mertz, director of the housing unit at Legal Aid of Nebraska, said tenants with financial difficulties and facing eviction will usually qualify for their services. He said they're often able to get people a "better outcome," which may allow them to stay in place.

"If that's not achievable," he said, "the next stage is a combination of how much time we can help somebody get to get somewhere else and avoid that court order - that judgment being on their record."

Mertz stressed that an eviction stays on a person's record for decades, which can limit future rental opportunities and lead to job loss, health problems and even homelessness. As of this week, Nebraska Investment Financing Authority has begun accepting applications for rental and utility assistance from people in a large part of the state.

NIFA Executive Director Shannon Harner said $48 million of COVID-related Emergency Rental Assistance Funds is available for people outside the Omaha and Lincoln areas, which received their ERA funds earlier. She said the money is to help stabilize households that are struggling to afford rent and utilities.

"In that application, they can apply for past-due rent, and up to three months of future rent," she said. "There are priority households that may be able to come back and request yet additional assistance beyond that, and those qualifications are at Nebraskarenthelp.org.

Information is also available through the NIFA call center at 844-429-6575.

Mertz said renters facing eviction need to know their rights, which includes how much notice they're entitled to.

"If you're in public housing; if you have your rent subsidized - typically what's called Section 8 - you should get 30 days," he said. "But also, in properties who are getting a federal benefit because their financing comes through federal programs, individuals should get the 30-day notice."

Nebraska law only requires that landlords give renters seven days' notice. Mertz said people at risk of eviction should call Legal Aid of Nebraska as early in the process as possible, to find out about their rights and whether they qualify for representation. The Statewide Accessline is 1-877-250-2016.


get more stories like this via email

A lack of housing options, mental-health challenges and a lack of connections and support have combined to drive an uptick in the number of foster youth facing homelessness in Louisville.

According to a new Kentucky Youth Advocates report, more than half of survey respondents experienced homelessness while waiting on an apartment or stable housing to become available.

Tatum Heath, 22, a foster-care alumni advocate with Kentucky's True Up Peer Network, explained that many young people are navigating a lifetime of trauma, which can make securing housing more difficult once they're no longer in the care of the state.

"It's hard for us to feel motivated when we haven't really ever felt that encouragement from family," Heath said. "A lot of us don't really have a mentor or a trusted adult to look up to for that motivation."

Former foster youths can wait up to six months for housing that will accept Section 8 vouchers. According to the report, slow processing of assistance payments for deposits and a lack of safe shelter options are contributing to more young people living on the street.

Foster-care alumni advocate Damareus Jackson-Martin now lives in his own apartment, but said the process wasn't easy "because that's usually what the difficulty is, they're just in fear of asking for help. So now they're struggling, more than they have to, when there's somebody who's out there willing to do the job."

Cynthia Schepers, a peer coach coordinator with Kentucky Youth Advocates, said resources are available to help navigate housing and other basic needs - but amid the pressures of adulthood, many former foster youths aren't aware of resources or don't seek them out.

"We need everybody in our community to reach out and find young adults who are disconnected from services," Schepers said, "and show them what options they have, because there is no 'one-size-fits-all' solution."

The report called for the state to ensure housing options for at least one year after youths leave foster care, encourage community drop-in centers to extend hours of operation, and create a 24-hour crisis hotline for foster alumni, among other solutions.