City of Bakersfield Analysis of Impediments to Fair Housing Choice 2015
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City of Bakersfield Analysis of Impediments to Fair Housing Choice 2020 May 6, 2015 City of Bakersfield Community Development Department 1715 Chester Avenue Bakersfield, California 93301 Acknowledgment The City of Bakersfield and the Community Development Department staff would like to extend its gratitude to all the individuals and agencies that made this report possible. The following are organizations and individuals who were instrumental in assisting with the formulation of this report by lending their time and/or respected advice. We are grateful for their assistance. City Mayor Harvey Hall City Council Willie Rivera, Ward 1 Terry Maxwell, Ward 2 Ken Weir, Ward 3 Bob Smith, Ward 4 Harold Hanson, Ward 5 Jacquie Sullivan, Ward 6 Chris Parlier, Ward 7 City Manager Alan Tandy Community Development Department Douglas McIssac, Community Development Director Jacquelyn Kitchen, Planning Director Ryan Bland, Community Development Coordinator Adelina Carter, Associate Planner Tony Jaquez, Associate Planner Consultant GRC Associates, Inc. Finally, we would like to give a special thanks to the citizens of Bakersfield who provided us with critical survey information relating to their fair housing experience. Their participation was essential in shaping this analysis, which will influence fair housing activities in the City of Bakersfield for years to come. City of Bakersfield Contents Section Page 1. Introduction ......................................................................................................................................... 1 Fair Housing .................................................................................................................................. 1 Purpose of Report ........................................................................................................................ 3 Organization of Report ................................................................................................................. 4 Reporting Staff and Data Sources................................................................................................. 4 Public Participation ....................................................................................................................... 5 2. Bakersfield Profile ............................................................................................................................... 8 Population Profile ....................................................................................................................... 10 Household Characteristics .......................................................................................................... 13 Employment ............................................................................................................................... 18 Housing Characteristics .............................................................................................................. 20 Special Needs .............................................................................................................................. 23 Public Transit System .................................................................................................................. 31 Public Assisted Housing .............................................................................................................. 35 3. Mortgage Lending Practices .............................................................................................................. 43 Background ................................................................................................................................. 43 Legislative Protection ................................................................................................................. 43 Conventional and Government-Backed Financing ..................................................................... 44 Lending Practices ........................................................................................................................ 48 4. Public Policies and Practices ............................................................................................................. 52 City Policies and Programs Affecting Housing Development ..................................................... 52 5. Fair Housing Practices ....................................................................................................................... 69 Fair Housing Practices in the Homeownership Market .............................................................. 69 Fair Housing Practices in the Rental Housing Market ................................................................ 77 Fair Housing Services .................................................................................................................. 80 6. Conclusions, Impediments and Actions ............................................................................................ 86 Conclusions and Impediments ................................................................................................... 86 Actions ........................................................................................................................................ 89 Appendix A: Fair Housing Survey Appendix B: Public Comments Appendix C: 2014 Housing Conditions Survey Appendix D: List of Community Care Facilities Analysis of Impediment to Fair Housing Choice City of Bakersfield List of Tables Page Table 2-1 Age Distribution and Median Age 2012 ......................................................................... 11 Table 2-2 Bakersfield Household Tenure ....................................................................................... 13 Table 2-3 Bakersfield Household Income Relative to County MFI ................................................ 16 Table 2-4 Household Income of Bakersfield Residents 2012 ........................................................ 16 Table 2-5 Education Level of Bakersfield Residents Age 25 and Older ......................................... 17 Table 2-6 Employment by Industry in Kern County ....................................................................... 19 Table 2-7 Unemployment in Kern County and its Largest Cities (May 2014) ................................ 20 Table 2-8 Composition of Housing Stock 2012 .............................................................................. 20 Table 2-9 Housing Condition in Bakersfield (2014) ....................................................................... 21 Table 2-10 City of Bakersfield Housing Needs by Household Income 2013-2023 ........................... 22 Table 2-11 Owner and Renter Occupied Households in Bakersfield ............................................... 23 Table 2-12 Single-Parent Households in Bakersfield (2012) ............................................................ 24 Table 2-13 Persons with Disabilities in Bakersfield (2013) .............................................................. 25 Table 2-14 Homeless Population by Type of Shelter in Bakersfield (2014) ..................................... 28 Table 2-15 Proposed Emergency Solutions Grant Program (2015-2016) ........................................ 29 Table 2-16 Overcrowding and Overpaying in Bakersfield ............................................................... 30 Table 2-17 Kern County 2014 Income Limits ................................................................................... 31 Table 2-18 GET Fare Structure (2014) .............................................................................................. 33 Table 2-19 GET-A-Lift Fare Structure ............................................................................................... 34 Table 2-20 Low Income Housing – Housing Authority of the County of Kern ................................. 36 Table 2-21 Low Income Housing Tax Credit (LIHTC) Rental Housing Developments in Bakersfield ...................................................................................................................... 37 Table 3-1 Home Purchase Loans by Race and Ethnicity in Kern County (2012) .................................................................................................... 45 Table 3-2 Disposition of Home Improvement Loans by Race and Ethnicity in Kern County (2012) .................................................................................................... 46 Table 3-3 Disposition of Home Purchase Loans Compared to Population by Race and Ethnicity in Bakersfield (2012) ....................................................................................... 47 Table 3-4 Home Purchase Loans by Income in Kern County (2012) .............................................. 49 Table 4-1 Residential Land-Use Designations ................................................................................ 53 Table 4-2 Zoning Categories and Usable Densities (Residential Zones) ........................................ 54 Table 4-3 Residential Off-Street Parking Standards ...................................................................... 57 Table 4-4 Minimum Size Requirements for Dwelling Units and Rooms ........................................ 58 Table 4-5 City of Bakersfield Goals and Programs Related to Housing ......................................... 64 Table 4-6 Residential Planning and Zoning Application Fees (as of 2014) .................................... 65 Table 5-1 Discrimination Cases, Findings and Actions in Bakersfield ...........................................