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What is the AI? Analysis of Impediments (AI) An Analysis of Impediments (AI) to Fair Housing Choice (FHC) is a federally mandated assessment that provides the foundation for FHP and development of safe, affordable housing within a community. What is its Purpose

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What is the ai l.jpg
What is the AI?

  • Analysis of Impediments (AI)

  • An Analysis of Impediments (AI) to Fair Housing Choice (FHC) is a federally mandated assessment that provides the foundation for FHP and development of safe, affordable housing within a community.


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What is its Purpose

  • The AI presents the current condition and community environment of housing and provides policymakers, stakeholders and members of the larger community an evaluation of specific needs and potential programs, policies and corrective actions to address local housing issues.


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Local Conditions

  • The AI required to address the following topical issues:

  • —Population Demographics

  • —Income & Employment Data

  • —Housing Profiles


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Local Policies

  • The AI must also review :

  • Zoning/Building Regulation

  • Property Tax Policies including abatements

    Planning & Zoning Boards

  • Lending Policies & Practices

  • Advertising & Marketing

  • Housing Development Activities

  • Informational Programs


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Local Fair Housing Efforts

  • — Assessment of Current Public & Private Fair Housing Programs and Activities

  • Any actions, omissions or decisions taken because of race, color, religion, sex, disability, familial status or national origin which restrict housing choice are examined.

  • Fair housing complaints and discrimination suits are examined for related housing issues and/or patterns of concern.


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AI Partners

  • Allen County Commissioners

  • Lima Allen County Regional Planning Commission

  • City of Lima

  • Lima Allen Council on Community Affairs

  • With special thanks to Thom Mazur, Jim Greer , Evelyn Smith of LACRPC

  • Bruce Wells, Allen County Community Development

  • Jesse Sadiua, City of Lima Community Development


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COMMUNITY/POPULATION PROFILE

  • Population and Population Change

  • Households and Household Size

  • Age Cohorts

  • Race and Ethnic Diversity

  • Disabled Population

  • Educational Attainment

  • Income per household, family and Per capita

  • Poverty Status

  • Labor Force


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TABLE 1 (POPULATION 1960-2000)

Political Subdivision

1960

1970

1980

1990

2000

Percent Change

Allen County

103,691

111,144

112,241

109,755

108,473

4.6

Beaverdam

514

525

492

467

356

-30.7

Bluffton (pt)

2,591

2,935

3,237

3,206

3,719

43.5

Cairo

566

587

596

473

499

-11.8

Delphos (pt)

3,716

4,301

3,984

3,901

3,928

5.7

Elida

1,215

1,211

1,349

1,486

1,917

57.8

Fort Shawnee Village

NA

3,436

4,541

4,128

3,855

12.2

Harrod Village

563

533

506

537

491

-12.8

Lafayette Village

476

486

488

449

304

-26.1

Lima City

51,037

53,734

47,817

45,549

41,581

-18.5

Spencerville Village

2,061

2,241

2,184

2,288

2,236

8.5

Amanda Township

1,217

1,498

1,769

1,773

1,913

57.2

American Township

9,184

8,766

11,476

10,921

12,108

31.8

Auglaize Township

1,740

1,940

2,042

2,241

2,359

35.6

Bath Township

8,307

9,323

9,997

10,105

9,810

18.1

Jackson Township

1,523

1,761

2,214

2,288

2,632

72.8

Marion Township

2,222

2,644

2,734

2,775

2,845

28.0

Monroe Township

1,386

1,490

1,621

1,622

1,720

24.1

Perry Township

5,045

3,751

3,586

3,577

3,620

-28.2

Richland Township

1,530

1,515

1,628

1,821

2,015

31.7

Shawnee Township

9,658

6,298

7,803

8,005

8,365

-13.4

Spencer Township

863

960

925

832

870

0.8

Sugar Creek Township

1,166

1,209

1,242

1,311

1,330

14.1


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TABLE 2

TOTAL HOUSEHOLDS & AVERAGE HOUSEHOLD SIZE BY POLITICAL SUBDIVISION

1990–2000

Political Subdivision

2000 Total Households

2000 Average Household Size

1990 Total Households

1990 Average Household Size

Total Households % Change

% Change Household Size

Allen County

40,646

2.52

39,408

2.66

3.14%

-5.3%

City of Lima

15,410

2.42

16,311

2.79

-5.52%

-13.3%

American Township

4,933

2.38

4,165

2.59

18.44

-8.1

Bath Township

3,815

2.54

3,718

2.72

2.61

-6.6

Shawnee Township

3,097

2.64

2,818

2.78

9.90

-5.0

City of Delphos

2,717

2.52

2,650

2.68

2.53%

-6.0

Marion Township

1,012

2.84

885

3.14

14.35

-9.6

Village of Fort Shawnee

1,524

2.53

1,555

2.65

-1.99%

-4.5

Perry Township

1,417

2.50

1,300

2.75

9.00

-9.1

Village of Bluffton

1,329

2.32

1,173

2.87

13.30%

-19.2

Jackson Township

956

2.75

771

2.97

23.99

-7.4

Village of Spencerville

845

2.54

841

2.72

0.48%

-6.6

Auglaize Township

843

2.80

770

2.91

9.48

-3.8

Village of Elida

698

2.75

527

2.82

32.45%

-2.5

Amanda Township

684

2.76

605

2.93

13.06

-5.8

Richland Township

658

2.98

594

2.92

10.77

2.1

Monroe Township

607

2.83

559

2.90

8.59

-2.4

Sugar Creek Township

476

2.79

453

2.89

5.08

-3.5

Spencer Township

304

2.87

291

2.86

4.47

0.4

Village of Cairo

181

2.76

169

2.80

7.10%

-1.5%

Village of Harrod

173

2.84

182

2.95

-4.95%

-3.8%

Village of Beaverdam

140

2.54

164

2.85

-14.63%

-10.9%

Village of Lafayette

118

2.58

160

2.81

-26.25%*

-9.2%

*Reflects census miscount in 2000.


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TABLE 5

SINGLE FEMALE HEAD OF HOUSEHOLDS IN ALLEN COUNTY

BY POLITICAL SUBDIVISION

Subdivision

Households

Female Head

Percent

Allen County

40,646

6,454

15.9

Amanda Township

684

49

7.2

American Township

4,933

760

15.4

Auglaize Township

843

83

9.8

Bath Township

3,815

529

13.9

Jackson Township

956

68

7.1

Lima City

15,410

3,027

19.6

Marion Township

1,012

67

6.6

Monroe Township

607

55

9.1

Perry Township

1,417

240

16.9

Richland Township

658

54

8.2

Shawnee Township

3,097

377

12.2

Spencer Township

304

23

7.6

Sugar Creek Township

476

54

11.3

Beaverdam

140

13

9.3

Bluffton

1,329

289

21.7

Cairo

181

18

9.9

Delphos

2,717

453

16.7

Elida

698

84

12.0

Ft. Shawnee

1,524

183

12.0

Harrod

173

21

12.1

Lafayette*

118

15

12.7

Spencerville

845

131

15.5


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TABLE 6

ALLEN COUNTY POPULATION BY AGE COHORTS & GENDER

Cohort

Male

Percent

Female

Percent

Total

% Total

< 5

3,640

6.73%

3,564

6.56%

7,204

6.64%

5-9

3,915

7.24%

3,854

7.09%

7,769

7.16%

10-14

4,305

7.96%

3,900

7.17%

8,205

7.56%

15-19

4,565

8.44%

4,155

7.64%

8,720

8.04%

20-24

3,711

6.86%

3,195

5.88%

6,906

6.37%

25-29

3,507

6.48%

3,117

5.73%

6,624

6.11%

30-34

3,587

6.63%

3,239

5.96%

6,826

6.29%

35-39

3,997

7.39%

4,019

7.39%

8,016

7.39%

40-44

4,616

8.53%

4,008

7.37%

8,624

7.95%

45-49

4,069

7.52%

3,906

7.18%

7,975

7.35%

50-54

3,414

6.31%

3,389

6.23%

6,803

6.27%

55-59

2,546

4.71%

2,531

4.66%

5,077

4.68%

60-64

2,037

3.76%

2,350

4.32%

4,387

4.04%

65-69

1,909

3.53%

2,148

3.95%

4,057

3.74%

70-74

1,749

3.23%

2,145

3.95%

3,894

3.59%

75-79

1,155

2.13%

2,016

3.71%

3,171

2.92%

80-84

771

1.43%

1,344

2.47%

2,115

1.95%

85+

612

1.13%

1,488

2.74%

2,100

1.94%

Totals

54,105

100.00%

54,368

100.00%

108,474

100.00%


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The implications of smaller size households are important and should be monitored by local policy experts and reflected in the local housing policies, building codes and zoning regulations.


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The growth of the minority populations coupled with the movement of populations amongst the townships changed the distribution of white and minority populations between 1990 and 2000.


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The inclusion of appropriate housing designs and the need for assisted living arrangements need to be reflected in local fair housing planning efforts.


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Although higher educational attainment levels have demonstrated higher income earnings, only 8.45% of residents have completed a 4-year college degree program.


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Allen County is lagging behind the state and national income levels with respect to household, family, and per capita income.


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The Census revealed 12.54 percent of all households were below the established poverty level in 2000. Of all families suffering poverty conditions, three quarters (78.33%) had children.

In 1999, 12.1% of all individuals, 12.5% of all households and 9.6% of all families in Allen County were below poverty level.


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  • In 2000 the United States Department of Commerce (USDOC) identified 73,863 full and part time jobs in Allen County. According to the USDOC, employment was largely restricted to 4 key sectors that represent nearly 8 in 10 jobs (79.35%) within Allen County.

  • Manufacturing 13,213 17.88%

  • Service 24,086 32.60%

  • Retail Trade 13,340 18.06%

  • Government 7,990 10.81%


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After experiencing severe stress from 2001 through 2003, 2004 through the present has shown significant relief; Allen County is now more in line with the State and national unemployment averages.


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Community Housing Stock 2004 through the present has shown significant relief; Allen County is now more in line with the State and national unemployment averages.

  • Housing Type and number of Units

  • Vacancy Rates

  • Size of Housing Units

  • Age of Housing stock

  • Housing Quality /Rehabilitation Needs

  • Housing Value/Housing Costs

  • Mobile Homes

  • Homelessness


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A pattern of disinvestment in the older housing stock has developed which left a visible scar on the face of neighborhoods in the older communities.




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The housing in neighborhoods along the border of the City are rated above average quality; but a disturbing 42.59 percent of the units in Lima are rated fair or below average quality by the County Auditor’s Office—as compared to 32.93 percent of the housing in the County as a whole.


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The City of Lima has repeatedly ranked as one of the most affordable cities in the United States.


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The U.S. affordable cities in the United States.Department of Housing and Urban Development (HUD), and most state housing departments consider annual housing costs to be "affordable" if they do not exceed 30 percent of a family's annual income (including utility payments).


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Homelessness affordable cities in the United States.

  • Allen County Housing Consortium Continuum of Care committee identified 179 families self identified as homeless in 2007.

  • 41% reported mental health/substance abuse issues as cause

  • 22% inadequate jobs

  • 13% criminal justice involvement

  • 13% relationship challenges

  • 11% lack of affordable housing


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Impediments to Fair Housing Choice affordable cities in the United States.

  • Regulatory Barriers

  • Zoning Regulations

  • Subdivision Regulations

  • Building Codes

  • Lending Practices

  • Predatory Lending & Real Estate Foreclosures

  • Tax Policy

  • Fair Housing Administration & Enforcement


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Of the applications denied, Table 49 (page 70) credit history was the greatest single reason for the denial of a home loan.


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IN SUMMARY history was the greatest single reason for the denial of a home loan.

  • HOUSING ASSETS

  • -Historic Housing

  • Ethnic/Racial Neighborhoods

  • Financial Incentives

  • Land Bank Program

  • Community Education Programs


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Housing Challenges history was the greatest single reason for the denial of a home loan.

  • Declining Household Size

  • Deteriorating Housing

  • Vacant Homes

  • Lead based Paint

  • Uniform Building Codes/Enforcement

  • Affordability

  • Foreclosures

  • Transitional Housing Needs

  • Land Assembly


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Recommendations history was the greatest single reason for the denial of a home loan.

  • Support the development of Safe, clean , affordable housing in Neighborhoods

  • Expand the range of available housing Opportunities to meet the needs of ALL Allen County Residents

  • Develop Neighborhood Plans to ensure continued residential development while allowing appropriate housing infill and renovations


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Recommendations history was the greatest single reason for the denial of a home loan.

  • Provide a variety of housing types in neighborhoods throuout the community that respect local housing character while providing housing choice for all ages, incomes and ability.

  • Eliminate Homelessness in Allen County


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Recommendations history was the greatest single reason for the denial of a home loan.

  • Rehabilitate vacant and underutilized buildings in a sustainable, cost effective manner

  • Demolish vacant and underutilized housing that cannot be rehabilitated.

  • Continue community education efforts in financial literacy and Fair Housing


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