0_Wizard
I live in a public housing ,provided by the government for middle class 
Public housing may be a form of housing tenure in which the property is owned by a government authority, which may be central or local.
chosen_Public_housing_0
Public housing
chosen_topic_0_Public_housing
Public housing in the United States
Public housing in the United States is administered by federal, state and local agencies to provide subsidized assistance for low-income households. Public housing is priced well below the market rate, allowing people to live in more convenient locations rather than move away from the city in search of lower rents. Now increasingly provided in a variety of settings and formats, originally public housing in the U.S. consisted primarily of one or more concentrated blocks of low-rise and/or high-rise apartment buildings. These complexes are operated by state and local housing authorities which are authorized and funded by the United States Department of Housing and Urban Development.
Public housing
Public housing may be a form of housing tenure in which the property is owned by a government authority, which may be central or local. Social housing is an umbrella term referring to rental housing which may be owned and managed by the state, by non-profit organizations, or by a combination of the two, usually with the aim of providing affordable housing. Social housing can also be seen as a potential remedy to housing inequality. Some social housing organizations construct for purchase, particularly in Spain and to an extent elsewhere. Although the common goal of public housing is to provide affordable housing, the details, terminology, definitions of poverty and other criteria for allocation vary within different contexts.
Mutual Ownership Defense Housing Division
The Mutual Ownership Defense Housing Division of the Federal Works Agency part of the United States government, operating from about 1940 to 1942 under the leadership of Colonel Lawrence Westbrook, was an attempt by the United States Government, late in the New Deal, to respond to the housing needs facing defense workers and develop housing projects for middle-income families utilizing the cooperative/mutual housing ownership concept. Under pressure by entrenched real estate interests and intense and competing resource needs caused by World War II, the Division lasted for only two years. As stated in the Second Annual Report of the Federal Works Agency: "As a group, defense workers were also poor candidates for individual home ownership because the duration of their employment was uncertain, and because few of them had savings adequate to finance the downpayment on new homes.
Gentrification
Gentrification is a process of renovation of deteriorated urban neighborhoods by means of the influx of more affluent residents. This is a common and controversial topic in politics and in urban planning. Gentrification can improve the quality of a neighborhood, while also potentially forcing relocation of current, established residents and businesses, causing them to move from a gentrified area, seeking lower cost housing and stores. Gentrification often shifts a neighborhood’s racial/ethnic composition and average household income by developing new, more expensive housing, businesses and improved resources.
Affordable housing
Affordable housing is housing which is deemed affordable to those with a median household income as rated by the national government or a local government by a recognized housing affordability index. Most of the literature on affordable housing refers to mortgages and number of forms that exist along a continuum – from emergency shelters, to transitional housing, to non-market rental (also known as social or subsidized housing), to formal and informal rental, indigenous housing, and ending with affordable home ownership. In Australia, the National Affordable Housing Summit Group developed their definition of affordable housing as housing that is, "...reasonably adequate in standard and location for lower or middle income households and does not cost so much that a household is unlikely to be able to meet other basic needs on a sustainable basis."
Henry Cisneros
Henry Gabriel Cisneros (born June 11, 1947) is an American politician and businessman. He served as the mayor of San Antonio, Texas, from 1981 to 1989, the second Latino mayor of a major American city and the city's first since 1842 (when Juan Seguín was forced out of office). A Democrat, Cisneros served as the 10th Secretary of Housing and Urban Development (HUD) in the administration of President Bill Clinton from 1993 to 1997. As HUD Secretary, Cisneros was credited with initiating the revitalization of many public housing developments and with formulating policies that contributed to achieving the nation’s highest ever rate of home ownership.
Mixed-income housing
The definition of mixed-income housing is broad and encompasses many types of dwellings and neighborhoods. Following Brophy and Smith, the following will discuss “non-organic” examples of mixed-income housing, meaning “a deliberate effort to construct and/or own a multifamily development that has the mixing of income groups as a fundamental part of its financial and operating plans” A new, constructed mixed-income housing development includes diverse types of housing units, such as apartments, town homes, and/or single-family homes for people with a range of income levels. Mixed-income housing may include housing that is priced based on the dominant housing market (market-rate units) with only a few units priced for lower-income residents, or it may not include any market-rate units and be built exclusively for low- and moderate-income residents.
1_Apprentice
What type housing did the government provide for you? What did you have to do to qualify?
0_Wizard
Affordable housing is housing which is deemed affordable to those with a median household income as rated by the national government
Affordable housing is housing which is deemed affordable to those with a median household income as rated by the national government or a local government by a recognized housing affordability index.
self_Affordable_housing_0
Affordable housing
self_4_Affordable_housing
Affordable housing
Affordable housing is housing which is deemed affordable to those with a median household income as rated by the national government or a local government by a recognized housing affordability index. Most of the literature on affordable housing refers to mortgages and number of forms that exist along a continuum – from emergency shelters, to transitional housing, to non-market rental (also known as social or subsidized housing), to formal and informal rental, indigenous housing, and ending with affordable home ownership. In Australia, the National Affordable Housing Summit Group developed their definition of affordable housing as housing that is, "...reasonably adequate in standard and location for lower or middle income households and does not cost so much that a household is unlikely to be able to meet other basic needs on a sustainable basis."
Affordable housing in Canada
Affordability of housing in Canada presents a complex paradox. By 2004, 1.7 million Canadians had housing affordability issues, yet Canada is considered to be among the more affordable places to live, using market-oriented analyses of affordability such as those provided by the Royal Bank of Canada. Canadian government public policies intervene when affordability of housing is stressed to the point home ownership becomes inaccessible even to individuals with full-time employment. The continuum of affordable housing in Canada includes market (affordable rental housing, affordable home ownership), non-market (affordable rental housing, affordable home ownership), government-subsidized housing (emergency shelters, transitional housing and social housing).
Subprime mortgage crisis
The United States (U.S.) subprime mortgage crisis was a nationwide banking emergency, occurring between 2007-2010, which contributed to the U.S. recession of December 2007 – June 2009. It was triggered by a large decline in home prices after the collapse of a housing bubble, leading to mortgage delinquencies and foreclosures and the devaluation of housing-related securities. Declines in residential investment preceded the recession and were followed by reductions in household spending and then business investment. Spending reductions were more significant in areas with a combination of high household debt and larger housing price declines.
Green affordable housing
Green affordable housing is reasonably priced housing that incorporates sustainable features. The phenomenon has become increasingly common in the United States with the adoption of state and local policies that favor or require green building practices for publicly owned or funded buildings. Potential benefits of green affordable housing include lower energy cost burden and improved health. One challenge to green affordable housing is the tendency to overlook long-term benefits in the face of higher upfront cost. The challenge for green housing advocates is to see to the life cycle cost of the building.
Government policies and the subprime mortgage crisis
The U.S. subprime mortgage crisis was a set of events and conditions that led to a financial crisis and subsequent recession that began in 2007. It was characterized by a rise in subprime mortgage delinquencies and foreclosures, and the resulting decline of securities backed by said mortgages. Several major financial institutions collapsed in September 2008, with significant disruption in the flow of credit to businesses and consumers and the onset of a severe global recession. Government housing policies, over-regulation, failed regulation and deregulation have all been claimed as causes of the crisis, along with many others.
Household income in the United States
Household income is an economic measure that can be applied to one household, or aggregated across a large group such as a county, city, or the whole country. It is commonly used by the United States government and private institutions to describe a household's economic status or to track economic trends in the US. One key measure is the real median level, meaning half of households have income above that level and half below, adjusted for inflation. According to the Census, this measure was $59,039 in 2016, a record high. This was the largest two year increase percentage increase on record. The distribution of U.S. household income has become more unequal since around 1980, with the income share received by the top 1% trending upward from around 10% or less over the 1953–1981 period to over 20% by 2007.
Gentrification
Gentrification is a process of renovation of deteriorated urban neighborhoods by means of the influx of more affluent residents. This is a common and controversial topic in politics and in urban planning. Gentrification can improve the quality of a neighborhood, while also potentially forcing relocation of current, established residents and businesses, causing them to move from a gentrified area, seeking lower cost housing and stores. Gentrification often shifts a neighborhood’s racial/ethnic composition and average household income by developing new, more expensive housing, businesses and improved resources.