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Housing Assistance Council

WhyHousingMatters

HAC’s 2000 Report on the State of the Nation’s Rural Housing

WhyHousingMatters

HAC’s 2000 Report on the State of the Nation’s Rural Housing

This report was prepared by Lance George and Christopher Holden of theHousing Assistance Council (HAC). Additional assistance was provided byAdrienne Smith, also from HAC. The work that provided the basis for thispublication was supported by funding under Cooperative Agreement H-21204 CA with the U.S. Department of Housing and Urban Development(HUD). Ndeye Jackson served as Government Technical Representative.The substance and funding of that work are dedicated to the public. HACis solely responsible for the accuracy of the statements and interpretationscontained in this publication and such interpretations do not necessarilyreflect the views of the United States Government.HAC, founded in 1971, is a nonprofit corporation that supports the devel-opment of rural low-income housing nationwide. HAC provides technicalhousing services, loans from a revolving fund, housing program and policyassistance, research and demonstration projects, and training and informationservices.

2WHY HOUSING MATTERS

$9.00December 2000Housing Assistance Council1025 Vermont Avenue, N.W.Suite 606Washington, DC 20005202-842-8600 (voice)202-347-3441 (fax)hac@ruralhome.org (e-mail)http://www.ruralhome.org (world wide web)ISBN 1-58064-108-3

ACKNOWLEDGMENTS

The Housing Assistance Council (HAC) appreciates the advice of Cushing Dolbeare, Housing Policy Consultant and HACboard member, Nancy McArdle of the Joint Center for Housing Studies of Harvard University; Jim Mikesell and Daryl Wills of the U.S. Department of Agriculture’s Economic Research Service; and Robert Gray and Ndeye Jackson of the U.S. Departmentof Housing and Urban Development’s Office of Policy Development and Research. HAC also wishes to thank the followinglocal and regional housing organizations for their assistance in preparing the report’s housing and quality of life vignettes.Chelan-Douglas Community Action Council, Wenatchee, WA • Coachella Valley Housing Coalition, Indio, CAEast Central Kansas Economic Opportunity Corporation, Ottawa, KS • Florida Non-Profit Housing, Inc., Sebring, FLHousing Oriented Ministries Established for Service, Neon, KY • Mercy Housing Southwest, Denver, COProyecto Azteca, San Juan, TX • Rutland West Neighborhood Housing Services, West Rutland, VT

iWHY HOUSING MATTERS

TABLE OF CONTENTS

EXECUTIVE SUMMARY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

1Rural Housing Conditions and Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1Housing and Quality of Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2Housing and Economic Well-Being . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

THE STATE OF RURAL HOUSING, 2000 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

General Housing Characteristics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3About the Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3Distribution of Nonmetropolitan Households . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Tenure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Structure Type . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5Household Characteristics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9Housing Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10Housing Quality . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10

HOUSING AND COMMUNITIES AS CORNERSTONES FOR QUALITY OF LIFE . . . . . . . . . . . . . . . . .12

Housing Satisfaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Neighborhood Satisfaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13Quality of Housing and Children’s Well-Being . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15Government Housing Assistance and Housing Satisfaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

HOUSING AND ECONOMIC WELL-BEING

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19Mortgage Access in Nonmetro Areas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20Housing as an Asset . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22

SUMMARY AND DISCUSSION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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HOUSING AND QUALITY OF LIFE VIGNETTES

My Home Means So Much to Me . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8A Safe Environment That Provides Tranquility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11Freedom to Pursue His Career . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Space to Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14Transitioning from Rural Homelessness . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18Building a Dream. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19Giving Back . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20Progress Towards Self-sufficiency . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23

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