Housing

Housing Duluth is a city of distinct neighborhoods that provide housing for today’s residents.  But what about the housing needs of the city’s residents in 2035?  In early 2017 we researched questions developed with the input of focus group participants. Based on our research and the input of the housing focus group, we have developed the following draft policies:

Draft policies as of 7/3/17:

     Important Key Trends from the Imagine Duluth Housing Meetings:

  1. 40% of people like where they live and want to continue living at their location
  2. A main concern is the cost to rehab existing housing and to build new housing- Housing is expensive
  3. A majority of people said “proximity to services” is a higher priority than the type of housing

     How can Duluth become a more “Livable Community” valuing health and fairness?

     Broad Concept #1: Accessibility to Places to Work, Shop, and Play.

  1. Build near transportation hubs and social centers (such as a 3 block radius from bus routes, near schools, shops)
  2. Locate housing near jobs centers.
  3. Increase number and condition of sidewalks in neighbors to ease accessibility.
  4. Increase housing density near existing social centers
    • Promote mixed use housing in social center
    • Promote higher density developments near social centers.
  5. Limit city sprawl (thereby concentrating services in existing service areas)
  6. Educate and promote Universal Design concept

     Broad Concept #2: Promote Inclusiveness of Diverse Populations: Provide Housing for Different Needs.

  1. Increase housing opportunities for all people in all income levels.
    • Allow for single family, duplex, triplex, and multifamily developments in all neighborhoods.
    • Place higher density developments near social centers and transit areas.  
    • Provide housing in all price points in all neighborhoods.
    • Provide a choice of housing types in all price points.
    • Respect existing densities and development patterns, but allow for creativity to expand community benefits.
    • Educate and promote healthy homes initiatives
    • Actively assess class and racial equity
  1. Increase housing options for young professionals at market rate
    • By 2019 projected to have 41% of households making incomes that can afford new market rate rental housing (currently at 39%).
      • This can open more housing options for low and moderate income households
    • Research and consider student loan reduction incentive programs to encourage recent college graduates to purchase a home
  1. Expand diverse housing options: single family, multi-family, mixed use etc. to provide culturally relevant options
    • Respect existing cultural significant neighborhoods
    • Provide cultural significant art in neighborhoods
  1. Increase senior housing options throughout Duluth (affordable and market rate): Senior housing: Households with ages 55+ expected to increase substantially by 2035. In the northland, individuals 65+ is expected to grow from approximately 60,000 to 100,000.
    • Desire convenient living, less upkeep than traditional single family homes
    • Townhomes, single-level apartments, condominiums
    • Should be near public transportation hubs, in walking distance of grocery stores and other services, and near greenspace.
    • Incentivize mortgage loans to modify existing homes to meet seniors’ needs (For example, Access Home Modification Program)
    • Continuing Care Retirement Communities:
      • Provide a range of living options in one setting (from independent to needing nursing care)
    • Assisted living facilities
    • Single-level housing options
    • Age in place options for seniors to remain in their chosen housing location

     Broad Concept #3: Maintain unique characteristics of Duluth neighborhoods while improving and increasing housing options

  1. Encourage mixed use housing near neighborhood social centers
  2. Conduct neighborhood needs assessments in areas that have not yet been studied to understand the unique traits and opportunities of each area
  3. Recognize existing neighborhood plans and implement suggested policies
  4. Implement neighborhood safety initiatives in all areas
  5. Increase “curb appeal” by incorporating artwork in neighborhood social centers
  6. Promote best practice designs in new developments. Make new developments “fit-in” with the uniqueness of the neighborhood. 
  7. Minimize new roads or other physical barriers in neighborhoods.

     Broad Concept #4: Affordable, Attainable Housing Opportunities

  1. Increase total number of housing units, which should decrease demand and cost/unit
    • Total housing demand estimated at 4, 470 units 20 2012(vacancy rate 3.3%, should be 5% or more)
  2. Increase accountability of landlords to provide safe, well-maintained affordable rental units
  3. Utilize tax incentive programs, including but not limited to:
    • Tax-increment financing
    • Tax exempt bond financing (with municipal guarantee)
    • Tax incentives/direct subsidies to support new construction and/or replace blighted property
    • Tax incentives to improve infrastructure/economy in low income neighborhoods (to do as a part of neighborhood revitalization)
  4. Identify unused public lands, consider selling for new housing development
  5. Promote increased flexibility with zoning requirements (i.e., mother-in-law apartments in single family homes, zoning setbacks, lot coverage)
  6. Promote energy efficiency incentives to reduce housing costs
  7. Proactively preserve existing affordable rental units.
  8. Support Naturally Occurring Affordable Housing Opportunities.
  9. Promote and encourage home improvement loan programs, including:
    • Deferred loan programs for low-income homeowners: loan amounts awarded up to a set amount for safety and maintenance improvements. The loan remains deferred until the home sells, or after a set number of years (15) the loan is forgiven. (Example: Hennepin County and St. Louis Park program)
    • Minnesota Housing Finance Agency home improvement loans
    • Energy-related rehab loans (see link for energy efficiency incentive programs)
    • Organize home remodeling and green home fairs to educate homeowners on home revitalization support
    • Tax incentives for market rate homeowners to rehab older homes
  10. Promote programs to rehabilitate blighted/vacant properties
  11. Research best practices in housing resiliency to increase protection against natural disasters
  12. Increase housing opportunities for all income levels
    • 2015: Public housing vacancy rate: 1.6%; public housing waiting list 995; unused housing vouchers 0%
    • Continue to streamline Coordinated Entry System to decrease homelessness
    • Collaborate with the Minnesota Coalition for the Homeless
    • Promote low income housing tax credit programs
    • Promote down payment assistance programs

 

Meeting Agendas and Summaries

Next Meeting: TBA

 

March 7, 2017 

October 20, 2016

 

Resources

City of Duluth 2017 Housing Action Framework