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What is the AI?

What is the AI? Analysis of Impediments (AI) An Analysis of Impediments (AI) to Fair Housing Choice (FHC) is a federally mandated assessment that provides the foundation for FHP and development of safe, affordable housing within a community. What is its Purpose

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What is the AI?

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  1. What is the AI? • Analysis of Impediments (AI) • An Analysis of Impediments (AI) to Fair Housing Choice (FHC) is a federally mandated assessment that provides the foundation for FHP and development of safe, affordable housing within a community.

  2. What is its Purpose • The AI presents the current condition and community environment of housing and provides policymakers, stakeholders and members of the larger community an evaluation of specific needs and potential programs, policies and corrective actions to address local housing issues.

  3. Local Conditions • The AI required to address the following topical issues: • —Population Demographics • —Income & Employment Data • —Housing Profiles

  4. Local Policies • The AI must also review : • Zoning/Building Regulation • Property Tax Policies including abatements Planning & Zoning Boards • Lending Policies & Practices • Advertising & Marketing • Housing Development Activities • Informational Programs

  5. Local Fair Housing Efforts • — Assessment of Current Public & Private Fair Housing Programs and Activities • Any actions, omissions or decisions taken because of race, color, religion, sex, disability, familial status or national origin which restrict housing choice are examined. • Fair housing complaints and discrimination suits are examined for related housing issues and/or patterns of concern.

  6. AI Partners • Allen County Commissioners • Lima Allen County Regional Planning Commission • City of Lima • Lima Allen Council on Community Affairs • With special thanks to Thom Mazur, Jim Greer , Evelyn Smith of LACRPC • Bruce Wells, Allen County Community Development • Jesse Sadiua, City of Lima Community Development

  7. COMMUNITY/POPULATION PROFILE • Population and Population Change • Households and Household Size • Age Cohorts • Race and Ethnic Diversity • Disabled Population • Educational Attainment • Income per household, family and Per capita • Poverty Status • Labor Force

  8. TABLE 1 (POPULATION 1960-2000) Political Subdivision 1960 1970 1980 1990 2000 Percent Change Allen County 103,691 111,144 112,241 109,755 108,473 4.6 Beaverdam 514 525 492 467 356 -30.7 Bluffton (pt) 2,591 2,935 3,237 3,206 3,719 43.5 Cairo 566 587 596 473 499 -11.8 Delphos (pt) 3,716 4,301 3,984 3,901 3,928 5.7 Elida 1,215 1,211 1,349 1,486 1,917 57.8 Fort Shawnee Village NA 3,436 4,541 4,128 3,855 12.2 Harrod Village 563 533 506 537 491 -12.8 Lafayette Village 476 486 488 449 304 -26.1 Lima City 51,037 53,734 47,817 45,549 41,581 -18.5 Spencerville Village 2,061 2,241 2,184 2,288 2,236 8.5 Amanda Township 1,217 1,498 1,769 1,773 1,913 57.2 American Township 9,184 8,766 11,476 10,921 12,108 31.8 Auglaize Township 1,740 1,940 2,042 2,241 2,359 35.6 Bath Township 8,307 9,323 9,997 10,105 9,810 18.1 Jackson Township 1,523 1,761 2,214 2,288 2,632 72.8 Marion Township 2,222 2,644 2,734 2,775 2,845 28.0 Monroe Township 1,386 1,490 1,621 1,622 1,720 24.1 Perry Township 5,045 3,751 3,586 3,577 3,620 -28.2 Richland Township 1,530 1,515 1,628 1,821 2,015 31.7 Shawnee Township 9,658 6,298 7,803 8,005 8,365 -13.4 Spencer Township 863 960 925 832 870 0.8 Sugar Creek Township 1,166 1,209 1,242 1,311 1,330 14.1

  9. TABLE 2 TOTAL HOUSEHOLDS & AVERAGE HOUSEHOLD SIZE BY POLITICAL SUBDIVISION 1990–2000 Political Subdivision 2000 Total Households 2000 Average Household Size 1990 Total Households 1990 Average Household Size Total Households % Change % Change Household Size Allen County 40,646 2.52 39,408 2.66 3.14% -5.3% City of Lima 15,410 2.42 16,311 2.79 -5.52% -13.3% American Township 4,933 2.38 4,165 2.59 18.44 -8.1 Bath Township 3,815 2.54 3,718 2.72 2.61 -6.6 Shawnee Township 3,097 2.64 2,818 2.78 9.90 -5.0 City of Delphos 2,717 2.52 2,650 2.68 2.53% -6.0 Marion Township 1,012 2.84 885 3.14 14.35 -9.6 Village of Fort Shawnee 1,524 2.53 1,555 2.65 -1.99% -4.5 Perry Township 1,417 2.50 1,300 2.75 9.00 -9.1 Village of Bluffton 1,329 2.32 1,173 2.87 13.30% -19.2 Jackson Township 956 2.75 771 2.97 23.99 -7.4 Village of Spencerville 845 2.54 841 2.72 0.48% -6.6 Auglaize Township 843 2.80 770 2.91 9.48 -3.8 Village of Elida 698 2.75 527 2.82 32.45% -2.5 Amanda Township 684 2.76 605 2.93 13.06 -5.8 Richland Township 658 2.98 594 2.92 10.77 2.1 Monroe Township 607 2.83 559 2.90 8.59 -2.4 Sugar Creek Township 476 2.79 453 2.89 5.08 -3.5 Spencer Township 304 2.87 291 2.86 4.47 0.4 Village of Cairo 181 2.76 169 2.80 7.10% -1.5% Village of Harrod 173 2.84 182 2.95 -4.95% -3.8% Village of Beaverdam 140 2.54 164 2.85 -14.63% -10.9% Village of Lafayette 118 2.58 160 2.81 -26.25%* -9.2% *Reflects census miscount in 2000.

  10. TABLE 5 SINGLE FEMALE HEAD OF HOUSEHOLDS IN ALLEN COUNTY BY POLITICAL SUBDIVISION Subdivision Households Female Head Percent Allen County 40,646 6,454 15.9 Amanda Township 684 49 7.2 American Township 4,933 760 15.4 Auglaize Township 843 83 9.8 Bath Township 3,815 529 13.9 Jackson Township 956 68 7.1 Lima City 15,410 3,027 19.6 Marion Township 1,012 67 6.6 Monroe Township 607 55 9.1 Perry Township 1,417 240 16.9 Richland Township 658 54 8.2 Shawnee Township 3,097 377 12.2 Spencer Township 304 23 7.6 Sugar Creek Township 476 54 11.3 Beaverdam 140 13 9.3 Bluffton 1,329 289 21.7 Cairo 181 18 9.9 Delphos 2,717 453 16.7 Elida 698 84 12.0 Ft. Shawnee 1,524 183 12.0 Harrod 173 21 12.1 Lafayette* 118 15 12.7 Spencerville 845 131 15.5

  11. TABLE 6 ALLEN COUNTY POPULATION BY AGE COHORTS & GENDER Cohort Male Percent Female Percent Total % Total < 5 3,640 6.73% 3,564 6.56% 7,204 6.64% 5-9 3,915 7.24% 3,854 7.09% 7,769 7.16% 10-14 4,305 7.96% 3,900 7.17% 8,205 7.56% 15-19 4,565 8.44% 4,155 7.64% 8,720 8.04% 20-24 3,711 6.86% 3,195 5.88% 6,906 6.37% 25-29 3,507 6.48% 3,117 5.73% 6,624 6.11% 30-34 3,587 6.63% 3,239 5.96% 6,826 6.29% 35-39 3,997 7.39% 4,019 7.39% 8,016 7.39% 40-44 4,616 8.53% 4,008 7.37% 8,624 7.95% 45-49 4,069 7.52% 3,906 7.18% 7,975 7.35% 50-54 3,414 6.31% 3,389 6.23% 6,803 6.27% 55-59 2,546 4.71% 2,531 4.66% 5,077 4.68% 60-64 2,037 3.76% 2,350 4.32% 4,387 4.04% 65-69 1,909 3.53% 2,148 3.95% 4,057 3.74% 70-74 1,749 3.23% 2,145 3.95% 3,894 3.59% 75-79 1,155 2.13% 2,016 3.71% 3,171 2.92% 80-84 771 1.43% 1,344 2.47% 2,115 1.95% 85+ 612 1.13% 1,488 2.74% 2,100 1.94% Totals 54,105 100.00% 54,368 100.00% 108,474 100.00%

  12. The implications of smaller size households are important and should be monitored by local policy experts and reflected in the local housing policies, building codes and zoning regulations.

  13. The growth of the minority populations coupled with the movement of populations amongst the townships changed the distribution of white and minority populations between 1990 and 2000.

  14. The inclusion of appropriate housing designs and the need for assisted living arrangements need to be reflected in local fair housing planning efforts.

  15. Although higher educational attainment levels have demonstrated higher income earnings, only 8.45% of residents have completed a 4-year college degree program.

  16. Allen County is lagging behind the state and national income levels with respect to household, family, and per capita income.

  17. The Census revealed 12.54 percent of all households were below the established poverty level in 2000. Of all families suffering poverty conditions, three quarters (78.33%) had children. In 1999, 12.1% of all individuals, 12.5% of all households and 9.6% of all families in Allen County were below poverty level.

  18. In 2000 the United States Department of Commerce (USDOC) identified 73,863 full and part time jobs in Allen County. According to the USDOC, employment was largely restricted to 4 key sectors that represent nearly 8 in 10 jobs (79.35%) within Allen County. • Manufacturing 13,213 17.88% • Service 24,086 32.60% • Retail Trade 13,340 18.06% • Government 7,990 10.81%

  19. After experiencing severe stress from 2001 through 2003, 2004 through the present has shown significant relief; Allen County is now more in line with the State and national unemployment averages.

  20. Community Housing Stock • Housing Type and number of Units • Vacancy Rates • Size of Housing Units • Age of Housing stock • Housing Quality /Rehabilitation Needs • Housing Value/Housing Costs • Mobile Homes • Homelessness

  21. A pattern of disinvestment in the older housing stock has developed which left a visible scar on the face of neighborhoods in the older communities.

  22. Owner occupancy rates for Allen County reached 72.1 percent in 2000.

  23. The City of Lima witnessed a significant drop as did the Villages of Cairo and Lafayette.

  24. The housing in neighborhoods along the border of the City are rated above average quality; but a disturbing 42.59 percent of the units in Lima are rated fair or below average quality by the County Auditor’s Office—as compared to 32.93 percent of the housing in the County as a whole.

  25. The City of Lima has repeatedly ranked as one of the most affordable cities in the United States.

  26. The U.S.Department of Housing and Urban Development (HUD), and most state housing departments consider annual housing costs to be "affordable" if they do not exceed 30 percent of a family's annual income (including utility payments).

  27. Homelessness • Allen County Housing Consortium Continuum of Care committee identified 179 families self identified as homeless in 2007. • 41% reported mental health/substance abuse issues as cause • 22% inadequate jobs • 13% criminal justice involvement • 13% relationship challenges • 11% lack of affordable housing

  28. Impediments to Fair Housing Choice • Regulatory Barriers • Zoning Regulations • Subdivision Regulations • Building Codes • Lending Practices • Predatory Lending & Real Estate Foreclosures • Tax Policy • Fair Housing Administration & Enforcement

  29. Of the applications denied, Table 49 (page 70) credit history was the greatest single reason for the denial of a home loan.

  30. IN SUMMARY • HOUSING ASSETS • -Historic Housing • Ethnic/Racial Neighborhoods • Financial Incentives • Land Bank Program • Community Education Programs

  31. Housing Challenges • Declining Household Size • Deteriorating Housing • Vacant Homes • Lead based Paint • Uniform Building Codes/Enforcement • Affordability • Foreclosures • Transitional Housing Needs • Land Assembly

  32. Recommendations • Support the development of Safe, clean , affordable housing in Neighborhoods • Expand the range of available housing Opportunities to meet the needs of ALL Allen County Residents • Develop Neighborhood Plans to ensure continued residential development while allowing appropriate housing infill and renovations

  33. Recommendations • Provide a variety of housing types in neighborhoods throuout the community that respect local housing character while providing housing choice for all ages, incomes and ability. • Eliminate Homelessness in Allen County

  34. Recommendations • Rehabilitate vacant and underutilized buildings in a sustainable, cost effective manner • Demolish vacant and underutilized housing that cannot be rehabilitated. • Continue community education efforts in financial literacy and Fair Housing

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