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Info about Fair Housing in Maryland - including housing discrimination, hate crimes, affordable housing, disabilities, segregation, mortgage lending, & others. http://www.gbchrb.org. 443.347.3701.
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The U.S. had an 18.1% increase in homelessness in 2024, a dramatic rise driven mostly by a lack of affordable housing as well as devastating natural disasters and a surge of migrants in several parts of the country. The U.S. Department of Housing and Urban Development said federally required tallies taken across the country - the annual Point-In-Time (PIT) Count - in January found that over 770,000 were counted as homeless. This number misses some people and does not include those staying with friends or family because they do not have a place of their own.
The source of the data was Part 1: Point-In-Time Estimates of Homelessness of HUD's The 2024 Annual Homelessness Assessment Report (AHAR) to Congress, an annual report to Congress providing nationwide estimates of homelessness, including information about the demographic characteristics of homeless persons, service use patterns, and the capacity to house homeless persons. HUD released it on December 27, 2024.
2024's 18.1% increase comes after 2023's 12.0% increase, which HUD said was caused by soaring rents, the end of pandemic assistance, and by people experiencing homelessness for the first time. The numbers overall represent 23 of every 10,000 people in the U.S., with Black people being overrepresented among the homeless population.
Among the most serious trends was a nearly 40% rise in family homelessness - among the areas most affected by the arrival of migrants in big cities. Family homelessness more than doubled in 13 communities impacted by migrants including Denver, Chicago, and New York City, while it rose less than 8% in the other 373 communities. Almost 150,000 children were homeless on a single night in 2024, a 33% jump from last year. California, the most populous state, continued to have the nation’s largest homeless population, followed by New York, Washington, Florida and Massachusetts.
According to the National Low Income Housing Coalition (NLIHC), to fully address America’s affordable housing and homelessness crisis, "Congress must invest at the scale needed to ensure that renters with the lowest incomes have an affordable place to call home. As outlined in NLIHC’s national HoUSed campaign policy agenda, federal investments are needed to bridge the gap between incomes and housing costs through universal rental assistance, build and preserve rental homes affordable to people with the lowest incomes, prevent evictions and homelessness by stabilizing families during a crisis, and strengthen and enforce renter protections to address the power imbalance that tilts heavily in favor of landlords."
While the data presents a grim picture, it also "demonstrates that success is possible when the federal government prioritizes evidence-based solutions and funds these resources to scale," said the National Alliance to End Homelessness (NAEH). One notable example is the reduction in veteran homelessness. From 2023 to 2024, veteran homelessness dropped by 7.6%, with unsheltered veteran homelessness falling 10.7%. This marks the continuation of a successful federal strategy that has reduced veteran homelessness by over 55% since 2010, one of the most significant achievements in the fight to end homelessness. In addition, several large cities had success reducing their homeless numbers. Dallas, which overhauled its homeless system, saw a 16% drop during 2022-2024. Los Angeles, which increased housing for the homeless, had a 5% decrease in unsheltered homelessness since 2023.
Read the December 27, 2024 AP News Article.
Senator Tina Smith (D-MN) has introduced the “Mapping Housing Discrimination Act” (S.5534) in the U.S. Senate last week. The bill would support efforts to map and digitize data on racially restrictive covenants in property records and establish a grant program to enable educational institutions to collect and analyze racial covenants and racially or ethnically restrictive language in local governments’ property records. The legislation would also help local governments digitize deeds and would create a publicly accessible database administered by HUD to gather together information about historic housing discrimination patterns in property records.
The National Low Income Housing Coalition (NLIHC) has endorsed the legislation and will work with Senator Smith’s office to support efforts to document the impacts of racial covenants and other tools of discrimination used to keep Black families and other households of color from moving into certain neighborhoods. While such racial covenants were made illegal by the Fair Housing Act of 1968, documenting such records is crucial to tracking the history of housing discrimination, along with the impacts of housing segregation that persist today.
Senator Smith also introduced a similar bill in July, 2021, that would examine the connection between historical racial discrimination and current racial disparities in housing. The bill would have created "a grant program for academic institutions to study the history of racially restrictive covenants - which were used as tools of discrimination to keep Black families and other households of color from moving into all-white neighborhoods - to better understand their scope and legacy. The bill would create a national, public database at HUD of historical housing discrimination patterns in property records and support local governments’ efforts to digitize local property records."
Read more about the history of fair housing in “Lofty Rhetoric, Prejudiced Policy: The Story of How the Federal Government Promised— and Undermined—Fair Housing” in NLIHC’s 2024 Advocates’ Guide.
Shortage of Affordable Housing
According to the June, 2024 "Maryland Housing Profile" compiled by the National Low Income Housing Coalition (NLIHC), Maryland has "a shortage of rental homes affordable and available to extremely low income households (ELI), whose incomes are at or below the poverty guideline or 30% of their area median income (AMI). Many of these households are severely cost burdened, spending more than half of their income on housing. Severely cost burdened poor households are more likely than other renters to sacrifice other necessities like healthy food and healthcare to pay the rent, and to experience unstable housing situations like evictions." The statistics are stark:
197,310 or 26% - .Renter households that are extremely low income.
-134,192 - Shortage of rental homes affordable and available for extremely low income renters.
$37,740 - Average income limit for 4-person extremely low income household.
$76,345 - Annual household income needed to afford a two-bedroom rental home at HUD's Fair Market Rent.
73% - Percent of extremely low income renter households with severe cost burden.
According to the NLIHC's Out of Reach: The High Cost of Housing (2024), working at minimum wage of $15.00/hour each week you have to work 82 hours to afford a modest 1 bedroom rental home at the State's Fair Market Rent. In Maryland, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,909. In order to afford this level of rent and utilities - without paying more than 30% of income on housing - a household must earn $6,362 monthly or $76,345 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into an hourly Housing Wage of $36.70.
Read the Maryland profile in the NLIHC's Out of Reach report.
Housing Inventory Characteristics
In 2019-2023, Maryland had a total of 2.5 million housing units. Of these housing units:
72.4% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses").
26.2% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments.
1.3% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.
When was the Housing Built?
8.6% of the housing inventory was comprised of houses built since 2010, while 10.8% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in Maryland was 6.2 rooms, and of these housing units 66.4 percent had three or more bedrooms (Source: DP04 | Selected Housing Characteristics).
Occupied Housing Characteristics
In 2019-2023, Maryland had 2.3 million housing units that were occupied or had people living in them, while the remaining 206,022 were vacant.
Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 67.5% while renters occupied 32.5%. The average household size of owner-occupied houses was 2.70 and in renter-occupied houses it was 2.34.
Some 9.3% of householders of these occupied houses had moved into their house since 2021, while 10.9% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 8.7% and another 22.1% had three or more vehicles available for use (Source: DP04 | Selected Housing Characteristics).
Financial Characteristics and Housing Costs
In 2019-2023, the median property value for owner-occupied houses in Maryland was $397,700.
Of the owner-occupied households, 71.5% had a mortgage. 28.5% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $2,301 and for owners without a mortgage it was $728.
For renter-occupied households, the median gross rent for Maryland was $1,662. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house (Source: DP04 | Selected Housing Characteristics).
Disability
In Maryland, among the civilian noninstitutionalized population in 2019-2023, 11.4% reported a disability. The likelihood of having a disability varied by age - from 4.3% of people under 18 years old, to 9.2% of people 18 to 64 years old, and to 29.6% of those 65 and over (Source: DP02 | Selected Social Characteristics in the United States).
Go to the Census Bureau's 1999-2023 Maryland Narrative Profile.
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On December 16, 2024, the Judge David L. Bazelon Center applauded the Centers for Medicare & Medicaid Services (CMS) for prioritizing community integration, quality healthcare, and oversight in considering California’s recent proposal to use federal dollars provided through Medicaid to build and operate segregated, residential settings that do not meet the state’s legal requirement to provide services to people with disabilities in the most integrated setting.
On August 30, 2024, Bazelon had filed comments with CMS expressing deep concerns about California’s proposal to use Medicaid dollars to build congregate settings, referred to as “enriched residential settings” (ERS), that would be populated exclusively or primarily by people with disabilities whose activities would be regulated and other restrictions imposed. The ADA and Olmstead v. L.C. (Lois Curtis) require that individuals with disabilities be served in the most integrated setting appropriate and not unnecessarily provided institutional care.
Bazelon's comments argued that California has not made and is not making mainstream housing, subsidized and with appropriate supports, available to those it proposes to serve in ERS. In Bazelon's experience, these individuals could be served in such settings, like “supported housing,” with better results. Evidence and research also was cited that showed that a step-down model or “linear continuum of care” - where people with mental health disabilities are moved through temporary congregate settings before they are transitioned to independent housing - is not necessary nor effective. At a minimum, CMS was urged to impose guardrails limiting the use and size of these segregated, residential settings.
There was immediate progress. This month, in responding to the state’s application for funding, CMS denied California’s request for federal funding of ERS and instructed California to first develop, seek public comment on, and submit additional details on critical related issues such as how the proposed pilot will ensure people are placed in the least restrictive setting and how it will confirm service settings are committed to being truly integrated, with independent choice. Bazelon has praised CMS for its active and crucial oversight to ensure that people with disabilities are not unjustly segregated and instead can live and receive services in their own homes and communities.