2012 Small Area FMRs hud.gov dataset covering the commonwealth of Virginia.
reference:
http://www.huduser.org/portal/datasets/fmr/smallarea/index.html

The U.S. Department of Housing and Urban Development (HUD) periodically receives "custom tabulations" of Census data from the U.S. Census Bureau that are largely not available through standard Census products. These datasets, known as "CHAS" (Comprehensive Housing Affordability Strategy) data, demonstrate the extent of housing problems and housing needs, particularly for low income households. The primary purpose of CHAS data is to demonstrate the number of households in need of housing assistance. This is estimated by the number of households that have certain housing problems and have income low enough to qualify for HUD’s programs (primarily 30, 50, and 80 percent of median income). CHAS data provides counts of the numbers of households that fit these HUD-specified characteristics in a variety of geographic areas. In addition to estimating low-income housing needs, CHAS data contributes to a more comprehensive market analysis by documenting issues like lead paint risks, "affordability mismatch," and the interaction of affordability with variables like age of homes, number of bedrooms, and type of building.This dataset is a special tabulation of the 2016-2020 American Community Survey (ACS) and reflects conditions over that time period. The dataset uses custom HUD Area Median Family Income (HAMFI) figures calculated by HUD PDR staff based on 2016-2020 ACS income data. CHAS datasets are used by Federal, State, and Local governments to plan how to spend, and distribute HUD program funds. To learn more about the Comprehensive Housing Affordability Strategy (CHAS), visit: https://www.huduser.gov/portal/datasets/cp.html, for questions about the spatial attribution of this dataset, please reach out to us at GISHelpdesk@hud.gov. To learn more about the American Community Survey (ACS), and associated datasets visit: https://www.census.gov/programs-surveys/acs Data Dictionary: DD_ACS 5-Year CHAS Estimate Data by County Date of Coverage: 2016-2020

This dataset and map service provides information on the U.S. Housing and Urban Development's (HUD) low to moderate income areas. The term Low to Moderate Income, often referred to as low-mod, has a specific programmatic context within the Community Development Block Grant (CDBG) program. Over a 1, 2, or 3-year period, as selected by the grantee, not less than 70 percent of CDBG funds must be used for activities that benefit low- and moderate-income persons. HUD uses special tabulations of Census data to determine areas where at least 51% of households have incomes at or below 80% of the area median income (AMI). This dataset and map service contains the following layer.

The Department of Housing and Urban Development (HUD) identifies low-vacancy areas for purposes of funding the Tenant-Protection Vouchers (TPVs) set-aside for certain at-risk households in low-vacancy areas. The Department has set low-vacancy areas at the county level as described in the “Definitions and Methodology” section below.HUD will publish updated low-vacancy areas annually. Low-vacancy lists will be effective for one year, from July 1-June 30. The county where the project is located must be listed in the low-vacancy list in effect as of the date of application submission to be eligible for TPV set-aside funding. Applicants may find more information about the TPV set-aside process and requirements at Notice PIH 2019-01/H 2019-02. As indicated by HUD in Notice PIH 2022-14, Notice PIH 2019-01/H2019-02 continues to apply.Definitions and MethodologyLow-vacancy areas are set at the county level using occupancy rates for public housing and multifamily assisted properties. Occupancy data at the project level are obtained from the most recent Picture of Subsidized Households Report (https://www.huduser.gov/portal/datasets/assthsg.html). To ensure that vacancy rates are only counted for high quality units, the occupancy data is matched to the most recent Physical Inspection Scores data (https://www.huduser.gov/portal/datasets/pis.html) for both public housing and multifamily assisted properties. Properties with inspection scores below 60 are removed from the sample, as are properties that are missing inspection scores or occupancy rates.Project-level data is aggregated to the county level, and the total occupancy rate for each county is calculated. County-level occupancy rates are used for the determination of eligibility for TPV set-aside funding as long as at least ten units of public housing and multifamily assisted housing are included in the dataset. If a county within a Core-Based Statistical Area (CBSA) has less than ten units, the CBSA-level occupancy rate is used. For counties outside of CBSAs with less than ten units, state non-CBSA totals are used to calculate occupancy rates, while the national non-CBSA occupancy rate is used for counties in states with only CBSA counties or a state non-CBSA unit count below ten.For the purposes of the TPV set-aside, a low-vacancy area is defined to be an area with an occupancy rate for public housing and multifamily assisted properties greater than or equal to 90 percent.

This data layer shows U.S. Department of Housing and Urban Development (HUD) annually designated Small Area Difficult Development Areas (SADDAs). SADDAs are areas with high construction, land, and utility costs relative to area median gross income and are based on small fair market rents, income limits, the 2020 census counts, and 5-year American Community Survey data.The unit of geography used to designate SADDAs in metro areas is the Zip Code Tabulation Area (ZCTA), which is made up of census blocks. ZCTAs aggregate data from census blocks based on the most common zip code occurring for addresses within the block. DDAs are designated annually.

Text source: https://www.huduser.gov/portal/publications/hsgfin/addi.html In recognition of the fact that a lack of savings is the most significant barrier to homeownership for most low-income families1, Congress passed the American Dream Downpayment Act of 2003, which established the American Dream Downpayment Initiative (ADDI). The ADDI program was designed to provide assistance with downpayments, closing costs, and, if necessary, rehabilitation work done in conjunction with a home purchase. This formula-based program disburses assistance through a network of Participating Jurisdictions (PJs) in all 50 states and affords them significant flexibility in designing homebuyer programs to meet the needs of their communities. Established as part of the HOME program,2 ADDI is a prime example of direct federal assistance to promote low-income homeownership. In recent years there have been growing concerns that many new low-income homeowners have had difficulty maintaining homeownership.3 To address these concerns in the context of the ADDI program, the Fiscal Year 2006 U.S. Senate Report on the Transportation, Treasury and HUD Appropriations Bill directed the U.S. Department of Housing and Urban Development (HUD) to report on the foreclosure and delinquency rate of households who received downpayment assistance through ADDI.4 This report has been developed in response to this congressional mandate. Due to the limited program history of ADDI, and since HOME-assisted homebuyers are quite similar to those assisted by the ADDI, this study jointly estimates annual foreclosure and delinquency rates for both HOME- and ADDI-assisted borrowers who purchased homes during the period from 2001 through 2005.5 While all HOME/ADDI-assisted borrowers were included in the analysis, in order to have the results be representative of the ADDI program, the sample of PJs was limited to those that were eligible for an allocation of ADDI funds in 2004, the year in which the largest number of PJs were eligible. The primary objective of the study, which addresses the congressional inquiry, is to provide an estimate of the foreclosure and delinquency rates among HOME/ADDI-assisted homebuyers. HUD was also interested in an analysis of the reasons behind these outcomes. Thus, a secondary objective of this study is to analyze the factors associated with variations in delinquency and default rates. 1 See, for example, U. S. Department of Housing and Urban Development, Barriers to Minority Homeownership, July 17, 2002, and Herbert et al., Homeownership Gaps Among Low-Income and Minority Borrowers and Neighborhoods, U.S. Department of Housing and Urban Development, March 2005. 2 Created under Title II of the National Affordable Housing Act of 1990, the HOME program is designed to provide affordable housing to low-income households, expand the capacity of nonprofit housing providers, and strengthen the ability of state and local governments to develop and implement affordable housing strate-gies tailored to local needs and priorities. 3 See, for example, Dean Baker, "Who's Dreaming?: Homeownership Among Low-Income Families," Center for Eco-nomic and Policy Research, Washington, DC, January 2005. 4 Throughout our discussion the terms "default" and "foreclosure" are used to refer to the same outcome where homeowners lose their home in foreclosure. 5 Foreclosure and delinquency rates for 2000 are not included here as the data was not consistent enough to produce valid estimations. This report is based in part on surveys of participating jurisdictions.

A Difficult Development Area (DDA) for the Low Income Housing Tax Credit program is an area designated by the U.S. Department of Housing and Urban Development (HUD) with high construction, land, and utility costs relative to its Area Median Gross Income (AMGI). All designated DDAs in Metropolitan Statistical Areas (MSA) or Primary Metropolitan Statistical Areas (PMSA) may not contain more than 20% of the aggregate population of all MSAs/PMSAs, and all designated areas not in metropolitan areas may not contain more than 20% of the aggregate population of the non-metropolitan counties.

The Department of Housing and Urban Development identifies low-vacancy areas for purposes of funding the Tenant-Protection Vouchers (TPVs) set-aside for certain at-risk households in low-vacancy areas. The Department has set low-vacancy areas at the county level. Low-vacancy areas are set at the county level using occupancy rates for public housing and multifamily assisted properties. Occupancy data at the project level are obtained from the most recent Picture of Subsidized Households Report. For the purposes of the TPV set-aside, a low-vacancy area is defined to be an area with an occupancy rate for public housing and multifamily assisted properties greater than or equal to 90 percent.

The Low-Income Housing Tax Credit (LIHTC) is the most important resource for creating affordable housing in the United States today. The LIHTC database, created by HUD and available to the public since 1997, contains information on 48,672 projects and 3.23 million housing units placed in service since 1987. Low-Income Housing Tax Credit Qualified Census Tracts must have 50 percent of households with incomes below 60 percent of the Area Median Gross Income (AMGI) or have a poverty rate of 25 percent or more. Difficult Development Areas (DDA) are areas with high land, construction and utility costs relative to the area median income and are based on Fair Market Rents, income limits, the 2010 census counts, and 5-year American Community Survey (ACS) data.

This dataset provides data on Qualified Census Tracts for the Low-Income Housing Tax Credit Program for 2024. LIHTC Qualified Census Tracts, as defined under the section 42(d)(5)(C) of the of the Internal Revenue Code of 1986, include any census tract (or equivalent geographic area defined by the Bureau of the Census) in which at least 50 percent of households have an income less than 60 percent of the Area Median Gross Income (AMGI), or which has a poverty rate of at least 25 percent. Maps of Qualified Census Tracts and Difficult Development Areas are available at: huduser.gov/sadda/sadda_qct.html .

A Qualified Census Tract (QCT) is any census tract (or equivalent geographic area defined by the Census Bureau) in which at least 50% of households have an income less than 60% of the Area Median Gross Income (AMGI). HUD has defined 60% of AMGI as 120% of HUD's Very Low Income Limits (VLILs), which are based on 50% of area median family income, adjusted for high cost and low income areas.

LOW TRANSPORTATION COST INDEXSummaryThe Low Transportation Cost Index is based on estimates of transportation expenses for a family that meets the following description: a 3-person single-parent family with income at 50% of the median income for renters for the region (i.e. CBSA). The estimates come from the Location Affordability Index (LAI). The data correspond to those for household type 6 (hh_type6_) as noted in the LAI data dictionary. More specifically, among this household type, we model transportation costs as a percent of income for renters (t_rent). Neighborhoods are defined as census tracts. The LAI data do not contain transportation cost information for Puerto Rico.InterpretationValues are inverted and percentile ranked nationally, with values ranging from 0 to 100. The higher the transportation cost index, the lower the cost of transportation in that neighborhood. Transportation costs may be low for a range of reasons, including greater access to public transportation and the density of homes, services, and jobs in the neighborhood and surrounding community.

Data Source: Location Affordability Index (LAI) data, 2012-2016.Related AFFH-T Local Government, PHA and State Tables/Maps: Table 12; Map 11.

References: www.locationaffordability.infohttps://lai.locationaffordability.info//lai_data_dictionary.pdf

To learn more about the Low Transportation Cost Index visit: https://www.hud.gov/program_offices/fair_housing_equal_opp/affh ; https://www.hud.gov/sites/dfiles/FHEO/documents/AFFH-T-Data-Documentation-AFFHT0006-July-2020.pdf, for questions about the spatial attribution of this dataset, please reach out to us at GISHelpdesk@hud.gov. Date of Coverage: 07/2020

Housing-Burdened Low-Income Households. Percent of households in a census tract that are both low income (making less than 80% of the HUD Area Median Family Income) and severely burdened by housing costs (paying greater than 50% of their income to housing costs). (5-year estimates, 2013-2017).

The cost and availability of housing is an important determinant of well- being. Households with lower incomes may spend a larger proportion of their income on housing. The inability of households to afford necessary non-housing goods after paying for shelter is known as housing-induced poverty. California has very high housing costs relative to much of the country, making it difficult for many to afford adequate housing. Within California, the cost of living varies significantly and is largely dependent on housing cost, availability, and demand.

Areas where low-income households may be stressed by high housing costs can be identified through the Housing and Urban Development (HUD) Comprehensive Housing Affordability Strategy (CHAS) data. We measure households earning less than 80% of HUD Area Median Family Income by county and paying greater than 50% of their income to housing costs. The indicator takes into account the regional cost of living for both homeowners and renters, and factors in the cost of utilities. CHAS data are calculated from US Census Bureau's American Community Survey (ACS).

A Qualified Census Tract (QCT) is any census tract (or equivalent geographic area defined by the Census Bureau) in which at least 50% of households have an income less than 60% of the Area Median Gross Income (AMGI). HUD has defined 60% of AMGI as 120% of HUD's Very Low Income Limits (VLILs), which are based on 50% of area median family income, adjusted for high cost and low income areas.

A census tract is a statistical subdivision of counties that may include just a few neighborhoods in a city or, in rural areas, may include several towns. HUD designates Qualified Census Tracts (QCTs) for purposes of the Low Income Housing Tax Credit (LIHTC) program. To qualify, census tract must either: demonstrate a poverty rate of at least 25 percent, or 50 percent or more of its householders must have incomes below 60 percent of the area median household income.

LOW POVERTY INDEXSummary The low poverty index captures poverty in a given neighborhood. The index is based on the poverty rate (pv). The mean and standard error are estimated over the national distribution.The poverty rate is determined at the census tract level.InterpretationValues are inverted and percentile ranked nationally. The resulting values range from 0 to 100. The higher the score, the less exposure to poverty in a neighborhood.

Data Source: American Community Survey, 2011-2015. Related AFFH-T Local Government, PHA and State Tables/Maps: Table 12; Map 12. School Proficiency Index.

To learn more about the Low Poverty Index visit: https://www.hud.gov/program_offices/fair_housing_equal_opp/affh ; https://www.hud.gov/sites/dfiles/FHEO/documents/AFFH-T-Data-Documentation-AFFHT0006-July-2020.pdf, for questions about the spatial attribution of this dataset, please reach out to us at GISHelpdesk@hud.gov. Date of Coverage: 07/2020

description: It allows to generate tables for Low-Income Housing Tax Credit (LIHTC) Qualified Census Tracts (QCT) and for Difficult Development Areas (DDA). LIHTC Qualified Census Tracts must have 50 percent of households with incomes below 60 percent of the Area Median Gross Income (AMGI) or have a poverty rate of 25 percent or more. DDA are designated by HUD and are based on Fair Market Rents, income limits, and the 2000 Census counts.; abstract: It allows to generate tables for Low-Income Housing Tax Credit (LIHTC) Qualified Census Tracts (QCT) and for Difficult Development Areas (DDA). LIHTC Qualified Census Tracts must have 50 percent of households with incomes below 60 percent of the Area Median Gross Income (AMGI) or have a poverty rate of 25 percent or more. DDA are designated by HUD and are based on Fair Market Rents, income limits, and the 2000 Census counts.

Since passage of the U.S. Housing Act of 1937, the federal government has provided housing assistance to low-income renters. Most of these housing subsidies were provided under programs administered by the U.S. Department of Housing and Urban Development (HUD) or predecessor agencies. All programs covered in this report provide subsidies that reduce rents for low-income tenants who meet program eligibility requirements. Generally, households pay rent equal to 30 percent of their incomes, after deductions, while the federal government pays the remainder of rent or rental costs. To qualify for a subsidy, an applicant’s income must initially fall below a certain income limit. These income limits are HUD-determined, location specific, and vary by household size. Applicants for housing assistance are usually placed on a waiting list until a subsidized unit becomes available.Assistance provided under HUD programs falls into three categories: public housing, tenant-based, and privately owned, project-based.In public housing, local housing agencies receive allocations of HUD funding to build, operate or make improvements to housing. The housing is owned by the local agencies. Public housing is a form of project-based subsidy because households may receive assistance only if they agree to live at a particular public housing project.Currently, tenant based assistance is the most prevalent form of housing assistance provided. Historically, tenant based assistance began with the Section 8 certificate and voucher programs, which were created in 1974 and 1983, respectively. These programs were replaced by the Housing Choice Voucher program, under legislation enacted in 1998. Tenant based programs allow participants to find and lease housing in the private market. Local public housing agencies (PHAs) and some state agencies serving as PHAs enter into contracts with HUD to administer the programs. The PHAs then enter into contracts with private landlords. The housing must meet housing quality standards and other program requirements. The subsidies are used to supplement the rent paid by low-income households. Under tenant-based programs, assisted households may move and take their subsidy with them. The primary difference between certificates and vouchers is that under certificates, there was a maximum rent which the unit may not exceed. By contrast, vouchers have no specific maximum rent; the low-income household must pay any excess over the payment standard, an amount that is determined locally and that is based on the Fair Market Rent. HUD calculates the Fair Market Rent based on the 40th percentile of the gross rents paid by recent movers for non-luxury units meeting certain quality standards.The third major type of HUD rental assistance is a collection of programs generally referred to as multifamily assisted, or, privately-owned, project-based housing. These types of housing assistance fall under a collection of programs created during the last four decades. What these programs have in common is that they provide rental housing that is owned by private landlords who enter into contracts with HUD in order to receive housing subsidies. The subsidies pay the difference between tenant rent and total rental costs. The subsidy arrangement is termed project-based because the assisted household may not take the subsidy and move to another location. The single largest project-based program was the Section 8 program, which was created in 1974. This program allowed for new construction and substantial rehabilitation that was delivered through a wide variety of financing mechanisms. An important variant of project-based Section 8 was the Loan Management Set Aside (LMSA) program, which was provided in projects financed under Federal Housing Administration (FHA) programs that were not originally intended to provide deep subsidy rental assistance. Projects receiving these LMSA “piggyback” subsidies were developed under the Section 236 program, the Section 221(d)(3) Below Market Interest Rate (BMIR) program, and others that were unassisted when originally developed.Picture of Subsidized Households does not cover other housing subsidy programs, such as those of the U.S. Department of Agriculture’s Rural Housing Service, unless they also receive subsidies referenced above. Other programs such as Indian Housing, HOME and Community Develo

This table contains data on the percent of households paying more than 30% (or 50%) of monthly household income towards housing costs for California, its regions, counties, cities/towns, and census tracts. Data is from the U.S. Department of Housing and Urban Development (HUD), Consolidated Planning Comprehensive Housing Affordability Strategy (CHAS) and the U.S. Census Bureau, American Community Survey (ACS). The table is part of a series of indicators in the [Healthy Communities Data and Indicators Project of the Office of Health Equity] Affordable, quality housing is central to health, conferring protection from the environment and supporting family life. Housing costs—typically the largest, single expense in a family's budget—also impact decisions that affect health. As housing consumes larger proportions of household income, families have less income for nutrition, health care, transportation, education, etc. Severe cost burdens may induce poverty—which is associated with developmental and behavioral problems in children and accelerated cognitive and physical decline in adults. Low-income families and minority communities are disproportionately affected by the lack of affordable, quality housing. More information about the data table and a data dictionary can be found in the Attachments.

This dataset provides access to Qualified Census Tracts (QCTs) in Connecticut to assist in administration of American Rescue Plan (ARP) funds.

The Secretary of HUD must designate QCTs, which are areas where either 50 percent or more of the households have an income less than 60 percent of the AMGI for such year or have a poverty rate of at least 25 percent.

HUD designates QCTs based on new income and poverty data released in the American Community Survey (ACS). Specifically, HUD relies on the most recent three sets of ACS data to ensure that anomalous estimates, due to sampling, do not affect the QCT status of tracts.

QCTs are identified for the purpose of Low-Income Housing Credits under IRC Section 42, with the purpose of increasing the availability of low-income rental housing by providing an income tax credit to certain owners of newly constructed or substantially rehabilitated low-income rental housing projects.

Also included are the number of households from the 2010 census (the “p0150001” variable), the average poverty rate using the 2014-2018 ACS data (the “pov_rate_18” variable), and the ratio of Tract Average Household Size Adjusted Income Limit to Tract Median Household Income using the 2014-2018 ACS data (the “inc_factor_18” variable). For the last variable mentioned in the previous paragraph, the income limit is the limit for being considered a very low income household (size-adjusted and based on Area Mean Gross Income). This value is divided by the median household income for the given tract, to get a sense of how the limit and median incomes compare. For example, if ratio>1, it implies that the tract is very low income because the limit income is greater than the median income. This ratio is a compact way to include the separate variables for the household income limit and median household income for each tract.