®

ALICEASSET LIMITED, INCOME CONSTRAINED, EMPLOYED

Winter 2017 STUDY OF FINANCIAL HARDSHIP

UnitedWayALICE.org/Florida THE UNITED WAYS OF FLORIDA

Heart of Florida United Way United Way of Martin County

United Way of the Big Bend United Way of Miami-Dade

United Way of the Broward County United Way of North Central Florida

United Way of Brevard County United Way of Northeast Florida

United Way of Central Florida United Way of Northwest Florida

United Way of Charlotte County United Way of Okaloosa-Walton County

United Way of Citrus County United Way of Palm Beach County

United Way of Collier County United Way of Pasco County

United Way of Escambia County United Way of Putman County

United Way of the Florida Keys United Way of South Sarasota County

United Way of Hernando County United Way of St. Johns County

United Way of Indian River County United Way of St Lucie County

United Way of Lake & Sumter Counties United Way Suncoast

United Way of Lee County United Way of Suwannee Valley

United Way of Manatee County United Way of Volusia-Flagler County

United Way of Marion County NATIONAL ALICE ADVISORY COUNCIL

The following companies are major funders and supporters of the United Way ALICE Project. Aetna Foundation | AT&T | Atlantic Health System | Deloitte | Entergy | Johnson & Johnson KeyBank | Novartis Pharmaceuticals Corporation | OneMain Financial Thrivent Financial Foundation | UPS | U.S. Venture i LETTER TO THE COMMUNITY

Dear Floridians,

This report is about the ALICE population – Florida’s most valuable and vulnerable economic driver.

• ALICE workers are the face of Florida to the 100+ million tourists who visit our state’s hotels, restaurants, theme parks, beaches, and retail shops each year.

• ALICE workers are the laborers, clerical staff, mechanics, legal aids, and city workers who build and support our homes and businesses.

• ALICE workers fill our hospitals, doctors’ offices and homes as aides, orderlies, therapists, and even nurses who care for us and our families’ health.

• ALICE workers harvest, transport, package, and sell Florida produce around the state and the world.

• ALICE workers shape our future workforce and leaders through their work in day care centers, public and private schools, libraries, community centers, and even our colleges and universities.

ALICE is a United Way acronym for Asset Limited, Income Constrained, Employed. “Employed” is the critical word. ALICE represents those who work hard and are above the poverty line, but due to high costs and factors often beyond their control, must live paycheck to paycheck. For many, a small emergency can quickly become a major financial crisis. Car repairs and health care emergencies, to name just a few, can plunge these working families over the edge into poverty and financial chaos. When this happens, families, employers, and our economy suffer.

In 2014, Florida’s first groundbreaking United Way ALICE Report was released. It established an ALICE survival budget for each of Florida’s 67 counties, based on what it costs to afford basic necessities in each community. The Report revealed a disturbing fact: 45 percent of Florida households cannot afford even this bare-minimum budget. The vast majority of these families were working, yet 15 percent lived below the Federal Poverty Level and fully 30 percent were ALICE.

This Update to the Report shows many positive and exciting examples of Florida’s continued population and economic growth. But it also highlights the fact that even with three more years of economic recovery under our belts, during which unemployment fell 50 percent, the rate of Florida’s households who are poor or ALICE has barely decreased: 0.5% each.

But more than providing data, this Report is about finding solutions, not about pointing fingers.ALICE families have opportunities to improve their economic conditions, and employers and policymakers have opportunities to help ALICE employees. When both groups understand these opportunities and act upon them, everyone wins. Florida’s United Ways serve each and every county in Florida to ensure you and every Floridian has an opportunity to find and support winning solutions.

We hope this new United Way ALICE Report, like its predecessor, provides a common respectful narrative around this critically important but previously overlooked population.

Sincerely,

Theodore Granger, President, United Way of Florida

ii THE UNITED WAY ALICE PROJECT

The United Way ALICE Project provides a framework, language, and tools to measure and understand the struggles of the growing number of households in our communities that do not earn enough to afford basic necessities, a population called ALICE. This research initiative partners with state United Way organizations to present data that can stimulate meaningful discussion, attract new partners, and ultimately inform strategies that affect positive change.

Based on the overwhelming success of this research in identifying and articulating the needs of this vulnerable population, the United Way ALICE Project has grown from a pilot in Morris County, New Jersey in 2009, to the entire state of New Jersey in 2012, and now to the national level with 15 states participating.

United Way of Florida is proud to join nearly 450 United Ways from these states to better understand the struggles of ALICE. Organizations across the country are also using this data to better understand the struggles and needs of their employees, customers, and communities. The result is that ALICE is rapidly becoming part of the common vernacular, appearing in the media and in public forums discussing financial hardship in communities across the country.

Together, United Ways, government agencies, nonprofits, and corporations have the opportunity to evaluate current initiatives and discover innovative approaches that give ALICE a voice, and create changes that improve life for ALICE and the wider community.

To access reports from all states, visit UnitedWayALICE.org

States with United Way ALICE Reports

North Dakota Montana Minnesota Washington New Hampshire Vermont Maine South Dakota Wisconsin Oregon Idaho Wyoming Michigan New York Massachusetts Iowa Nebraska Pennsylvania Rhode Island Illinois Indiana Ohio Connecticut Nevada Utah New Jersey Colorado West Kansas Delaware Missouri Virginia Kentucky Virginia Maryland California District of Oklahoma Tennessee North Columbia Arkansas Carolina Arizona New Mexico

Georgia Texas South Carolina

Alabama Florida Louisiana Mississippi

Alaska New Jersey (2012) First Cohort (2014) Hawaii Second Cohort (2015-16) iii Third Cohort (2016-17) THE ALICE RESEARCH TEAM

The United Way ALICE Project provides high-quality, research-based information to foster a better understanding of who is struggling in our communities. To produce the United Way ALICE Report for Florida, a team of researchers collaborated with a Research Advisory Committee, composed of 22 representatives from across the state, who advised and contributed to our Report. This collaborative model, practiced in each state, ensures each Report presents unbiased data that is replicable, easily updated on a regular basis, and sensitive to local context. Working closely with United Ways, the United Way ALICE Project seeks to equip communities with information to create innovative solutions.

Lead Researcher Stephanie Hoopes, Ph.D. is the lead researcher and director of the United Way ALICE Project. Dr. Hoopes’ work focuses on the political economy of the United States and specifically on the circumstances of low-income households. Her research has garnered both state and national media attention. She began the United Way ALICE Project as a pilot study of the low-income community in affluent Morris County, New Jersey in 2009, and has overseen its expansion into a broad-based initiative to more accurately measure financial hardship in states across the country. In 2015, Dr. Hoopes joined the staff at United Way of Northern New Jersey in order to expand this project as more and more states become involved.

Dr. Hoopes was an assistant professor at the School of Public Affairs and Administration (SPAA), Rutgers University-Newark, from 2011 to 2015, and director of Rutgers-Newark’s New Jersey DataBank, which makes data available to citizens and policymakers on current issues in 20 policy areas, from 2011 to 2012. SPAA continues to support the United Way ALICE Project with access to research resources.

Dr. Hoopes has a doctorate from the London School of Economics, a master’s degree from the University of North Carolina at Chapel Hill, and a bachelor’s degree from Wellesley College.

Research Support Team Andrew Abrahamson Helen McGinnis Dan Treglia, Ph.D.

ALICE Research Advisory Committee for Florida

Stuart Anderson, Ph.D. Melissa Clements, Ph.D. Maria D. Ilcheva, Ph.D. Joseph F. Pennisi Federal Reserve Bank The Children’s Forum The Metropolitan Center Florida Policy Institute of Atlanta at Florida International Sameera Fazili, J.D. Robin Perry, Ph.D. University Lance Arney, Ph.D. Federal Reserve Bank Florida A&M University SCOPE of Atlanta Phyllis Kalifeh, Ed.D. Rose A. Phillips, M.S. The Children’s Forum Jennifer Bencie, M.D., Liana Fernandez Fox, Florida Housing Coalition M.S.A. Ph.D. Jerry Murphy, Ph.D. Gloria Putiak, M.U.R.P. Florida Department of Hillsborough Community University of Florida Children’s Services Health – Manatee College Brittany Olivieri Birken, Council of Broward County Dale A. Brill, Ph.D. Michael Gutter, Ph.D. Ph.D. Sandra S. Stone, Ph.D. Thinkspot University of Florida Florida Children’s Council University of South Florida Morgan Burleson Nancy Hardt, M.D. Jerry D. Parrish, Ph.D. Ellen Zinzeleta, Sc.D. Homeless and Hunger University of Florida The Florida Chamber United Way Suncoast Coalition Foundation Rick Harper, Ph.D. University of West Florida iv WHAT’S NEW Data & Methodology Updates Every two years, the United Way ALICE Project engages a Research Advisory Committee of external experts to scrutinize the ALICE methodology and sources. This rigorous process results in enhancements to the methodology and new ideas in how to more accurately measure and present this important data. While these changes impact specific calculations, the overall trends have remained the same – ALICE represents a large percentage of our population and these households are struggling to provide basic essentials for their families.

For this Report, the following improvements have been incorporated. To ensure consistency and accurate comparison in changes over time, data has been recalculated for previous years. For a more detailed description of the methodology, see the Methodology Exhibit VIII.

• The ALICE Threshold for each state now accounts for county- level differences. This key measure is now calculated by combining the average household size for each county rather than using the statewide average household size.

• The ALICE Household Survival and Stability Budgets have been updated to reflect today’s economic and technological realities. The Household Survival Budget’s health care costs increased partly due to the Affordable Care Act. Because many ALICE households do not qualify for Medicaid but cannot afford even the Bronze Marketplace premiums and deductibles, the penalty for not having coverage is added to the out-of-pocket health care cost. The ALICE Stability Budget added the cost of a cell phone with internet access.

• The Economic Viability Dashboard is now presenting each of its three indices – Housing Affordability, Job Opportunities, and Community Resources – separately instead of as one combined score. Each index represents a critical condition for the stability of ALICE households, and poor scores in on index cannot be compensated by good scores in another. These indices are not cumulative.

• The ALICE Income Assessment has been recalculated to more accurately depict the assistance available to help an ALICE household meet basic needs. Only programs that directly help low-income households meet the Household Survival Budget, such as TANF and Medicaid, are included. It no longer includes programs that assist households in broader ways, such as to attend college, or that assist communities, like community policing.

Source changes • The American Community Survey no longer provides 3-year averages, so data for all communities with populations less than 65,000 relies on 5-year averages.

• The National Association of State Budget Officers (NASBO) replaces individual state budgets as the source for state spending on programs to assist vulnerable families, making the spending categories standardized and comparable.

• In the Economic Viability Dashboard, the variables for two of the indicators of the Community Resources Index – education resources and social capital – have been changed to items that vary more by county. The variable for education resources is now 3- and 4-year-olds enrolled in preschool; and the variable for v social capital is the percent of the population 18 and older who voted in the most recent election. TABLE OF CONTENTS

EXECUTIVE SUMMARY ��������������������������������������������������������������������������������������������������������1

I. WHO IS STRUGGLING IN FLORIDA? �����������������������������������������������������������������������������������5

II. WHAT DOES IT COST TO FUNCTION IN TODAY’S ECONOMY? ������������������������������������������16

III. ACHIEVING STABILITY: INCOME, SAVINGS AND PUBLIC ASSISTANCE ����������������������������22

IV. HOW HAVE ECONOMIC CONDITIONS CHANGED FOR ALICE FAMILIES? ���������������������������30

CONCLUSION: WHAT CHALLENGES LIE AHEAD? ����������������������������������������������������������������42

BIBLIOGRAPHY �����������������������������������������������������������������������������������������������������������������56

EXHIBIT I: ALICE COUNTY PAGES

EXHIBIT II: ALICE HOUSING DATA BY COUNTY

EXHIBIT III: ALICE THRESHOLD AND DEMOGRAPHICS, FLORIDA, 2015

EXHIBIT IV: KEY FACTS AND ALICE STATISTICS FOR FLORIDA CONGRESSIONAL DISTRICTS

EXHIBIT V: THE ECONOMIC VIABILITY DASHBOARD

EXHIBIT VI: KEY FACTS AND ALICE STATISTICS FOR FLORIDA MUNICIPALITIES

EXHIBIT VII: ALICE HOUSEHOLDS BY INCOME, 2007 TO 2015

EXHIBIT VIII: METHODOLOGY OVERVIEW & RATIONALE ALICE IN FLORIDA

vi INDEX OF FIGURES

Figure 1. Household Income, Florida, 2007 to 2015 ����������������������������������������������������������������������������������������������� 5

Figure 2. Household Income by Age of Head of Household, Florida, 2015 ��������������������������������������������������������������� 6

Figure 3. Trends in Households by Income by Age, Florida, 2007 to 2015 �������������������������������������������������������������� 7

Figure 4. Households by Race/Ethnicity and Income, Florida, 2015 ����������������������������������������������������������������������� 8

Figure 5. Households by Race/Ethnicity and Income, Florida, 2007 to 2015 �������������������������������������������������������� 10

Figure 6. Household Types by Income, Florida, 2015 �������������������������������������������������������������������������������������������� 11

Figure 7. Single & Cohabiting (No Children Below 18) Households by Income, Florida, 2015 ������������������������������� 11

Figure 8. Families with Children by Income, Florida, 2015 ����������������������������������������������������������������������������������� 12

Figure 9. Families with Children by Income, Florida, 2007 to 2015 ���������������������������������������������������������������������� 13

Figure 10. Percentage of Households with Income Below the ALICE Threshold by County, Florida, 2007 and 2015 ���������14

Figure 11. Households Below the ALICE Threshold, Largest Cities and Towns in Florida, 2015 ���������������������������� 15

Figure 12. Household Survival Budget, Florida Average, 2015 ����������������������������������������������������������������������������� 16

Figure 13. Household Survival Budget, Florida Average, 2007 to 2015 ���������������������������������������������������������������� 17

Figure 14. Comparison of Household Budgets (family of 4), Polk County, Florida, 2015 �������������������������������������� 19

Figure 15. Comparison of Household Budgets by Category, 2015 ������������������������������������������������������������������������� 20

Figure 16. Average Household Stability Budget vs. Household Survival Budget, Florida, 2015 ���������������������������� 21

Figure 17. Earnings by Number of Households and Aggregate Total, Florida, 2007 to 2015 ��������������������������������� 22

Figure 18. Percent Change in Non-wage Household Sources of Income, Florida, 2007 to 2015 ���������������������������� 23

Figure 19. Assets Ownership, Florida, 2015 ��������������������������������������������������������������������������������������������������������� 24

Figure 20. ALICE Income Assessment, Florida, 2012 to 2015 ������������������������������������������������������������������������������ 25 Figure 21. Comparing Basic Need with Public and Nonprofit Spending by Category (Excluding Health Care and Miscellaneous Expenses), Florida, 2015 ��������������������������������������������������������������������������������������� 27

Figure 22. Total Public and Nonprofit Assistance per Household Below the ALICE Threshold, Florida, 2015 ��������� 29

Figure 23. Number of Jobs by Hourly Wage, Florida, 2007 to 2015 ���������������������������������������������������������������������� 30

Figure 24. Employment and GDP by Industry, Florida, 2007 to 2015 �������������������������������������������������������������������� 32

Figure 25. Top 20 Occupations by Employment and Wage, Florida, 2015 ������������������������������������������������������������� 33

Figure 26. Small Business Employment by Sector, Florida, 2013 ������������������������������������������������������������������������� 34

Figure 27. Work Status, Florida, 2007 to 2015 ����������������������������������������������������������������������������������������������������� 36

Figure 28. Economic Viability Dashboard, Florida, 2007 to 2015 ������������������������������������������������������������������������� 37

Figure 29. Housing Affordability Index, Florida, 2010 to 2015 ������������������������������������������������������������������������������ 38

Figure 30. Renters Below the ALICE Threshold vs. Rental Stock, Florida, 2015 ���������������������������������������������������� 39

Figure 31. Jobs Opportunities Index, Florida, 2010 to 2015 ���������������������������������������������������������������������������������� 40

Figure 32. Population Inflows and Outflows, Florida, 2015 ����������������������������������������������������������������������������������� 43

Figure 33. Population Projection, Florida, 2010 to 2030 ��������������������������������������������������������������������������������������� 45

Figure 34. New Growth by Occupation, Florida, 2015 to 2023 ������������������������������������������������������������������������������ 47

Figure 35. Employment by Occupation and Impact of Technology, Florida, 2015 �������������������������������������������������� 48

Figure 36. Median Earnings Asian, Black, Hispanic, and White Workers, Florida, 2007 to 2015 �������������������������� 51

Figure 37. Unemployment for White, Black, and Hispanic Workers, Florida, 2007 to 2015 ����������������������������������� 51

Figure 38. Short-, Medium-, and Long-Term Strategies to Assist Households with Income Below the ALICE Threshold �������55 EXECUTIVE SUMMARY

This United Way ALICE Report provides the most comprehensive look at Floridians who are struggling financially: 44 percent of households in Florida could not afford basic needs such as housing, child care, food, health care, and transportation in 2015. Many households are living below the Federal Poverty Level (FPL), but an even greater number of households are what United Way calls ALICE – an acronym for Asset Limited, Income Constrained, Employed. ALICE households have incomes above the FPL, but still struggle to afford basic household necessities. The number of ALICE and poverty-level households increased steadily from 2007 to 2012, but while households in poverty fell slightly from 2012 to 2015, the percent of ALICE households continued to rise.

This Report focuses on what has changed in Florida since the first United ayW ALICE Report was published three years ago. It updates the cost of basic needs in the Household Survival Budget for each county in Florida, and the number of households earning below this amount – the ALICE Threshold. It delves deeper into county and municipal data, as well as ALICE and poverty households by race, ethnicity, age, and household type to reveal variations in hardship that are often masked by state averages. Finally this Report highlights emerging trends that will be important to ALICE in the future.

The data reveal an ongoing struggle for ALICE households and the obstacles to achieving financial stability.

• Struggling Households: Of Florida’s 7.5 million households, 14.5 percent lived in poverty in 2015 and another 29.5 percent were ALICE. Combined, 44 percent had income below the ALICE Threshold, or 3.3 million, up from 2.6 million in 2007.

• Basic Cost of Living: The cost of basic household expenses increased steadily in every county in Florida between 2007 and 2015. The average budget rose by 19 percent, more than the national rate of inflation of 14 percent during that time period. In 2015, the average annual Household Survival Budget for a Florida family of four (two adults with one infant and one preschooler) ranged from $44,028 in Putnam County to $68,952 in Monroe County – compared to the U.S. family poverty rate of $24,250.

• Low-wage Jobs: Low-wage jobs continued to dominate the landscape in Florida with 67 percent of all jobs in the state paying less than $20 per hour – a wage that is almost enough to afford the family Household Survival Budget. However, three-quarters of these jobs pay less than $15 per hour.

• Assistance for ALICE: Since 2012, the amount needed to bring all ALICE households to financial stability has grown faster than wages and government spending. Notably, health care spending increased by 17 percent, accounting for 55 percent of all public and nonprofit spending onALICE and poverty-level households. Because services and funds are not typically transferable from one area of need to another, there are large gaps between spending and need in many categories. For example, the gap to meet housing needs is 47 percent and the gap to meet child care is 51 percent.

• Emerging trends: Several trends could change the economic landscape for ALICE families:

○○The Florida population is aging, and many seniors do not have the resources they need to support themselves.

○○ Differences by race and ethnicity persist, creating challenges for many ALICE families, as well as for immigrants in Florida.

○○ Low-wage jobs are projected to grow faster than higher-wage jobs over the next decade.

○○Technology is changing the workplace, adding some jobs, replacing many others, while also changing where people work, the hours they work, and the skills that are required. Technology creates opportunities as well as challenges for ALICE workers.

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 1 Using the best available information on those who are struggling, this Report offers an enhanced set of tools for stakeholders to measure the real challenges ALICE households face in trying to make ends meet. This information is presented to inform the discussion around programmatic and policy solutions for these households and their communities now and for the future. The lack of accurate information about the number of people who are “poor” and struggling distorts the identification of problems related to poverty, misguides policy solutions, and raises questions of equity, transparency, and fairness in the allocation of resources based on an outdated FPL.

*Additional data, methodology, and ALICE reports are available in the Exhibits and at www.UnitedWayALICE.org. GLOSSARY

ALICE is an acronym that stands for Asset Limited, Income Constrained, Employed, comprising households with income above the Federal Poverty Level but below the basic cost of living.

The Household Survival Budget calculates the actual costs of basic necessities (housing, child care, food, health care, and transportation) in Florida, adjusted for different counties and household types.

The ALICE Threshold is the average income that a household needs to afford the basic necessities defined by the Household Survival Budget for each county in Florida. (Unless otherwise noted in this Report, households earning less than the ALICE Threshold include both ALICE and poverty-level households.)

The Household Stability Budget is greater than the basic Household Survival Budget and reflects the cost for household necessities at a modest but sustainable level. It adds a savings category and a cell phone category, and is adjusted for different counties and household types.

The ALICE Income Assessment is the calculation of all sources of income, resources, and assistance for ALICE and poverty-level households. Even with assistance, the Assessment reveals a shortfall, or Unfilled Gap, between what these households bring in and what is needed for them to reach the ALICE Threshold.

The Economic Viability Dashboard is comprised of three Indices that evaluate the economic conditions that matter most to ALICE households – Housing Affordability, Job Opportunities, and Community Resources. A Dashboard is provided for each county in the state.

2 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY AT-A-GLANCE: FLORIDA, 2015 Point-in-Time Data

Population: 20,271,272 | Number of Counties: 67 | Number of Households: 7,458,155 How many households are struggling? ALICE, an acronym for Asset Limited, Income Constrained, Employed, are households that earn more than the Federal 14.5% Poverty Poverty Level (FPL), but less than what it costs to survive 29.5% ALICE (the ALICE Threshold) for the state. Of Florida’s 7.5 million 56% Above AT households, 14.5 percent earn below the FPL and another 29.5 percent are ALICE, well above the 2007 level. How much does ALICE earn?

6,000 In Florida, 67 percent of 67%

jobs pay less than $20 per 5,000 $15-$20 hour, with three-quarters 4,000 of those paying less than $15 per hour. Another 27 3,000 $10-$15 27% percent of jobs pay between 2,000 $30-$40 $20 and $40 per hour. Only of Jobs (in thousands) 1,000 Less $20-$30 5% 5 percent of jobs pay above Than $10 0.3% 0.7% $40 per hour. Number 0 Less Than $20$20–$40 $40–$60 $60–$80Above $80 What does it cost to afford the basic necessities? This bare-minimum Household Survival Budget increased by an average of 19 percent from 2007 to 2015, while the rate of inflation was 14 percent. Affording only a very modest living, this budget is still significantly more than the Federal Poverty Level of $11,770 for a single adult and $24,250 for a family of four.

Average Monthly Costs, Florida, 2015 2 ADULTS, 1 CHILD, 2007–2015 SINGLE ADULT 1 PRESCHOOLER PERCENT INCREASE Monthly Costs Housing $609 $842 22% Child Care N/A $1,015 10% Food $165 $547 14% Transportation $326 $653 2% Health Care $164 $628 >48%* Miscellaneous $145 $408 19% Taxes $189 $395 20% AT-A-GLANCE: FLORIDA AT-A-GLANCE: Monthly Total $1,598 $4,488 19% ANNUAL TOTAL $19,176 $53,856 19%

*Increase in out-of-pocket health care costs from 2007 to 2015 was 48 percent; increase including ACA penalty was 74 percent. Note: Percent increases are an average of the percent change in each category for a single-adult and for a four-person family Source: American Community Survey, U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS) and Florida Department of Education, 2015.

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 3 AT-A-GLANCE: FLORIDA, 2015 Point-in-Time Data

Population: 20,271,272 | Number of Counties: 67 | Number of Households: 7,458,155

Florida Counties, 2015 Florida Counties, 2015

% ALICE % ALICE County Total HH County Total HH & Poverty & Poverty

Alachua 96,427 46% Lee 263,694 43%

Baker 8,205 46% Leon 109,209 41%

Bay 69,337 41% Levy 15,516 50%

Bradford 8,770 50% Liberty 2,433 52%

Brevard 225,682 34% Madison 6,614 56%

Broward 673,870 44% Manatee 134,690 43%

Calhoun 4,784 58% Marion 125,227 47%

Charlotte 72,671 40% Martin 65,101 41%

Citrus 60,541 43% Miami-Dade* 857,712 61%

Clay 71,733 33% Monroe 31,391 46%

Collier 134,906 33% Nassau 29,674 37%

Columbia 24,238 45% Okaloosa 76,721 33%

DeSoto 11,238 58% Okeechobee 13,046 58%

Dixie 6,051 55% Orange 457,736 43%

Duval 343,467 37% Osceola 98,301 60%

Escambia 116,814 38% Palm Beach 545,780 40%

Flagler 39,281 45% Pasco 192,628 42%

Franklin 4,338 51% Pinellas 400,209 41%

Gadsden 16,964 56% Polk 227,122 51%

Gilchrist 6,187 50% Putnam 28,165 52%

Glades 3,920 65% Santa Rosa 60,861 33%

Gulf 5,349 49% Sarasota 177,807 33%

Hamilton 4,688 57% Seminole 162,739 37%

Hardee 7,618 65% St. Johns 83,247 28%

Hendry 11,345 64% St. Lucie 108,811 46%

Hernando 70,713 42% Sumter 48,039 42%

Highlands 41,116 49% Suwannee 15,649 48%

Hillsborough 503,154 42% Taylor 7,605 55%

Holmes 6,828 56% Union 3,883 70%

Indian River 55,494 40% Volusia 209,657 42%

Jackson 16,309 58% Wakulla 10,691 39% FLORIDA AT-A-GLANCE:

Jefferson 5,411 49% Walton 23,490 42%

Lafayette 2,493 57% Washington 8,246 51%

Lake 126,519 41%

* See Miami-Dade County page in Exhibit I

4 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY I. WHO IS STRUGGLING IN FLORIDA?

Florida’s economy has seen some economic recovery since the Great Recession, but the impact has been uneven, making it difficult for many households to improve their financial status.The economy showed signs of improvement starting in 2012, yet the number of households in Florida struggling financially increased, as the cost of living continued to exceed what most wages pay. In 2015, 44 percent of Florida’s 7.5 million households could not afford the basic needs it takes to survive such as housing, child care, food, health care, and transportation. Many of Florida’s households are living in poverty. An even greater number are households with incomes above the Federal Poverty Level (FPL), but not earning enough to afford basic household necessities. They are ALICE – Asset Limited, Income Constrained, Employed.

This section reviews demographic trends of ALICE and poverty-level households by race, ethnicity, age, and household type from 2007 to 2015. While many expected the economic climate to improve in 2010, the technical end of the national Great Recession, evidence of recovery in Florida only starts to emerge in 2012, and not always statewide. This section also delves into county and municipal data to reveal local variations that are often masked by state averages. ALL HOUSEHOLDS In Florida, the total number of households fell by 1 percent between 2007 and 2010, and then increased by 6 percent from 2010 to 2015, reaching 7,458,155. Even while the total number of households fell, the number of ALICE and poverty-level households increased through the Great Recession, and continued to increase, though more slowly, from 2010 to 2015:

• Poverty: Households in poverty, defined in 2015 as $11,770 for a single adult and $24,250 for a family of four, increased from 790,797 households in 2007 to 1.08 million in 2015. While there was a 30 percent increase in the number of households in poverty from 2007 to 2010, the percent in poverty fluctuated between 2010 and 2015, resulting in a 4 percent increase since 2007.

• ALICE: ALICE households increased from 1.7 million in 2007 to 2.2 million in 2015. While there was a 22 percent increase from 2007 to 2010, the percent of ALICE households fluctuated between 2010 and 2015, resulting in a 2 percent increase since 2007.

• Above ALICE Threshold: Households above the ALICE Threshold decreased from 4.5 million in 2007 to 4.2 million in 2015, a 15 percent decrease from 2007 to 2010, and then a 9 percent increase from 2012 to 2015. Figure 1. Household Income, Florida, 2007 to 2015

100% 8,000 90% 7,000 80% Above AT 54.5% 55.7% 56.0% 6,000 70% 63.8% 60% 5,000 ALICE 50% 4,000 40% 3,000 Poverty 30% 30.7% 29.0% 29.5% 2,000 20% 24.9% Total HH 10% 1,000 Percent of Households 11.3% 14.8% 15.3% 14.5%

0% 0 Households (in thousands) 2007 2010 2012 2015

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 5 Source: American Community Survey, 2007-2015, and the ALICE Threshold, 2007-2015; see Exhibit VII and ALICE Methodology for details AGE With some exceptions, the age distribution of ALICE households and households in poverty roughly reflects their proportion of the overall population, and that has been relatively consistent over time. In 2015, households headed by someone under 25 were the age group most likely to be in poverty (42 percent), with a poverty rate more than double that of the other age groups (Figure 2). Households 65 and older have the lowest poverty rate (12 percent), but they are just below the youngest households for the highest rate of ALICE households (32 percent). Even groups in their prime earning years struggle to support their families: 45 percent of households headed by 25- to 44-year-olds and 41 percent of households headed by 45- to 64-year-olds earn below the ALICE Threshold.

Figure 2. Household Income by Age of Head of Household, Florida, 2015

100% 2,833 3,000

p 90% 25%

2,500 80% 2,284

Grou 2,131 70% 55% 59% 56% Above AT 2,000 60% 33% ALICE 50% 1,500 Poverty 40% 1,000 30% 28% 28% 32% Total HHs 20% 42% 500 Households (in thousands) Percent of Total Age 10% 210 17% 13% 12% 0% 0 Under 25 25 to 44 Years 45 to 64 Years 65 Years and Over

Source: American Community Survey, 2015, and the ALICE Threshold, 2015

Figure 3 shows changes in the population size as well as changes in poverty and ALICE rates for each age group from 2007 to 2015.

There were two notable trends:

• Florida’s population is aging. The number of younger households decreased, while the number of older households increased. Households headed by someone 25 or younger saw the biggest decline in numbers, dropping 29 percent from 2007 to 2015. Those headed by 25- to 44-year-olds fell by 9 percent. At the same time, the number of households headed by someone 45 to 64 years old increased by 9 percent from 2007 to 2015, and those headed by someone 65 years and older increased by 24 percent (American Community Survey, 2007, 2010, 2012, and 2015).

• From 2007 to 2015, each age group saw an increase in the number of households living below the ALICE Threshold. For seniors 65 and over, the proportion of ALICE households actually decreased by 16 percent even though the actual number of senior households rose; this was due to a large increase in the total number of senior households. The proportion of seniors in poverty remained flat. Note in Figure 3 that total household scales vary across age groups.

6 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Figure 3. Trends in Households by Income by Age, Florida, 2007 to 2015

Under 25 25 to 44 100% 350 ) 100% 2,500 ) 23% 22% 25% 300 80% 80% 2,000 41% 250 55% 56% 55% 68% 60% 35% 35% 200 60% 1,500 33% 28% 150 40% 40% 1,000 100 28% 26% 28% 20% 42% 43% 42% 20% 20 % 500 31% 50

Percent of Households Percent of Households 12% 17% 18% 17%

0% 0 Households (in thousands 0% 0 Households (in thousands 2007 2010 2012 2015 2007 2010 2012 2015

45 to 64 65 and Older 100% 3,000 ) 100% 2,500 )

80% 2,500 80% 2,000 55% 59% 59% 59% 56% 69% 2,000 52% 60% 60% 54 % 1,500 1,500 40% 40% 1,000 1,000 35% 37% 34% 32% 28% 27% 28% 20% 22% 500 20% 500

Percent of Households 9% 13% 14% 13% Percent of Households 11% 11% 11% 12%

0% 0 Households (in thousands 0% 0 Households (in thousands 2007 2010 2012 2015 2007 2010 2012 2015

Poverty ALICE Above AT Total HH

Source: American Community Survey, 2007-2015, and the ALICE Threshold, 2015

RACE AND ETHNICITY In Florida, the total number of households of color has grown steadily, while there was a slight decline in the number of White households. This increase in households of color contributed to a 5 percent increase in the total number of Florida households from 2007 to 2015.

The United Way ALICE Reports follow the U.S. Census classification for non-Whites to include Blacks, Hispanics, Asians, and Native Americans. As non-White racial and ethnic “minorities” move toward becoming a numeric majority of the population in some cities and counties throughout the U.S., the Reports use the term “people of color” for these four groups. References to White households include those that are White non-Hispanic.

ALICE and poverty-level households exist in every racial and ethnic group in Florida. Because there are significantly more White households in the state than households of color, White households also make up the largest number of households living below the ALICE Threshold. There were 1.7 million White households in poverty and ALICE in 2015, compared to 1.5 million Asian, Black, and Hispanic households in poverty and ALICE. However, populations of color made up a proportionally larger share of households below the ALICE Threshold, with 17 percent in poverty and 41 percent ALICE, compared to 10 percent of White households in

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 7 poverty and 26 percent ALICE (Figure 4). Figure 4. Households by Race/Ethnicity and Income, Florida, 2015

100% 5,000 4,723 90% 4,500 p

80% 40% 4,000 42% )

70% 3,500 64% 63% Above AT 60% 3,000 ALICE

50% 2,500 Below $15,000/year 40% 40% 2,000 43% Total HH 1,454 30% 1,500

26% 1,021 27% Households (in thousands Percent of Race/Ethnic Grou 20% 1,000

10% 20% 500 15% 10% 10% 155 0% 0 White Hispanic Black Asian

Note: Because household poverty data is not available for the American Community Survey’s Race/Ethnicity categories, annual income below $15,000 is used as a proxy for poverty; see Methodology for more information.

Source: American Community Survey, 2015, and the ALICE Threshold, 2015

The change in the number of households by race and ethnicity reveals some emerging trends in Florida (Figure 5).

Hispanic Households • Total Households: Hispanic households are the largest population of color in Florida, with their number increasing by 20 percent from 2007 to 2015 to 1.5 million households.

• Poverty: The percent of Hispanic households in poverty increased from 14 percent in 2007 to 18 percent in 2010, but then began to fall, dropping to 15 percent in 2015.

• ALICE: The percent of Hispanic ALICE households increased steadily from 31 percent in 2007 to 43 percent in 2015.

• ALICE Threshold: In 2015, 58 percent of Hispanic households lived below the ALICE Threshold.

Race and ethnicity are overlapping categories, which can be an issue when reporting Hispanic households. In most Florida counties the overlap is minimal, less than 5 percent of the White population is also Hispanic. However, in five counties – Miami-Dade, Hendry, Osceola, Hardee, and Desoto – more than 30 percent of the White population is also Hispanic. In this analysis, these households are only included in the statistics on Hispanics. The percent of Hispanic and White households has increased over time in Florida and across the country due to the increase in Hispanic immigration as well as to changes in self-identification and the way residents answer the Census questions (American Community Survey, 2015; Humes, Jones, & Ramirez, 2011).

8 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Black Households • Total Households: Blacks are the next largest population of color in Florida, with their number increasing by 11 percent from 2007 to 2015, to just over 1 million households in 2015.

• Poverty: The percent of Black households in poverty increased from 20 percent in 2007 to 23 percent in 2012, but then dropped back down to 20 percent in 2015.

• ALICE: The percent of Black ALICE households increased steadily from 31 percent in 2007 to 40 percent in 2015.

• ALICE Threshold: In 2015, 60 percent of Black households lived below the ALICE Threshold. Asian Households • Total Households: The total number of Asian households rose by 19 percent from 2007 to 2015 to 155,384 households.

• Poverty: The percent of Asian households in poverty increased from 9 percent in 2007 to 11 percent in 2010, but then began to fall, reaching 10 percent in 2012 and remaining flat through 2015.

• ALICE: The percent of Asian ALICE households has increased steadily from 21 percent in 2007 to 27 percent in 2015.

• ALICE Threshold: In 2015, 37 percent of Asian households lived below the ALICE Threshold. White Households • Total Households: Following a slightly different trajectory, the total number of White (non-Hispanic) households decreased by 1 percent from 2007 to 2015, to just over 4.7 million. These trends reflected a consolidation of households, which suggests that people moved in together to save money (such as college graduates moving in with their parents or older workers living with roommates).

• Poverty: The percent of White households in poverty increased from 10 percent in 2007 to 12 percent in 2010, and remained flat through 2012 before dropping back down to 10 percent in 2015.

• ALICE: The percent of White ALICE households increased significantly from 21 percent in 2007 to 27 percent in 2010, then improved slightly to 26 percent in 2012 and has remained flat.

• ALICE Threshold: In 2015, 36 percent of White households lived below the ALICE Threshold.

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 9 Figure 5. Households by Race/Ethnicity and Income, Florida, 2007 to 2015

Hispanic 100% 1,600 90% 1,400 80% 42% 45% 1,200 70% 55% 43% 60% 1,000 50% 800 40% 39% 38% 43% 600 30% 31% 400 20% 200 10% 18% 17%

Percent of Households 14% 15% 0% 0 2007 2010 2012 2015 Households (in thousands ) Black ) 100% 1,000 90% 80% 39% 39% 40% 49% 800 70% 60% 600 50% 40% 39% 38% 40% 31% 400 30% 20% 200 10% 20% 22% 23% 20% Percent of Households 0% 0 2007 2010 2012 2015 Households (in thousands Asian ) 100% 180 90% 160 80% 140 70% 70% 63% 65% 63% 120 60%

100 n thousands 50% 80 40% 30% 60 26% 27% 20% 21% 25% 40 20

10% useholds (i Percent of Households 11% 10% 10% 0% 9% 0 2007 2010 2012 2015 Ho White Non-Hispanic 100% 6,000 90% 80% 5,000 70% 61% 69% 62% 64% 4,000 60% 50% 3,000 40% 30% 2,000 27% 26% 26% 20% 21% 1,000 10%

Percent of Households 10% 12% 12% 10% 0% 0 2007 2010 2012 2015 Households (in thousands)

Below $15K/year ALICE Above AT Total HH

Note: Because household poverty data is not available for the American Community Survey’s Race/Ethnicity categories, annual income below $15,000 is used as a proxy for poverty.

10 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Source: American Community Survey, 2015, and the ALICE Threshold, 2015 HOUSEHOLD TYPE Households are changing across the U.S. People are increasingly living in a wider variety of arrangements, including singles living alone or with roommates, and grown children living with parents. Since the 1970s, U.S. households have followed a trend of smaller households, fewer households with children, fewer married-couple households, and more people living alone, especially at older ages. Today, single and cohabiting adults under 65 with no children (under 18) make up the largest group in Florida, accounting for 45 percent of households (3.4 million) (Figure 6). Nationally, approximately 27 percent of all households are single-adult households younger than 65 (Vespa, Lewis, & Kreider, 2013).

Figure 6. Household Types by Income, Florida, 2015

100% 4,000

p 3,385 90% 3,500 80% Grou 3,000 70% 56% 55% 56% Above AT 60% 2,284 2,500 ALICE 50% 1,790 2,000 Poverty 40% 1,500 24% 30% 31% Total HHs 32% 1,000 20% 10% 21% 500 Households (in thousands) Percent of Total Age 13% 12% 0% 0 Single & Cohabiting Families with 65 and Over (No Children Below 18) Children

Source: American Community Survey, 2015, and the ALICE Threshold, 2015

These single and cohabiting households without children under 18 are also the group with the largest number of households below the ALICE Threshold. In 2015, 44 percent of these households had income below the ALICE Threshold (Figure 6), with 13 percent in poverty and 31 percent ALICE. The proportion of single and cohabiting households below the ALICE Threshold increased from 32 percent in 2007 to 44 percent in 2015 (Figure 7).

Figure 7. Single & Cohabiting (No Children Below 18) Households by Income, Florida, 2015

100% 4,000 90% 3,500 80% 3,000 70% 56% Above AT 68% 56% 56% 60% 2,500 ALICE 50% 2,000 Poverty 40% 1,500 30% 31% 30% 31% Total HH 1,000 rcent of Households 20% 23% Pe 10% 500 9% 13% 14% 13% Households (in thousands) 0% 0 2007 2010 2012 2015

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 11 Source: American Community Survey, 2007-2015, and the ALICE Threshold, 2015 Families with Children Not surprisingly, households with young children have the most expensive Household Survival Budget of all household types. Not only are these households larger, but they have the additional expense of child care, preschool, and after-school care. The biggest factors determining the economic stability of a household with children are the number of wage earners, the gender of the wage earners, and the number of children.

Married-parent families with children far outnumber single-headed families; however, a higher number and proportion of children in single-headed families live below the ALICE Threshold (Figure 8).

Figure 8. Families with Children by Income, Florida, 2015

814,755 Families with Children Below ALICE Threshold (BAT)

100% 1,200 1,119 90% 21% 1,000 80% 35%

Type 70% 800 72% 60% 34% 50% 600

508 38% (in thousands) 40% 400 30% 45% Percent of Family 20% Families 18% 162 200 27% 10% 10% 0% 0 Married Single Single Female-Headed Male-Headed

Above AT ALICE Poverty Total HHs

Source: American Community Survey, 2015, and the ALICE Threshold, 2015

There are large differences in the economic conditions of married and single-parent families in Florida.

In the majority of married-parent families, both parents are working (Working Poor Families Project (WPFP), 2016). Dual-income couples typically have a higher household income than single-parent families and tend to be better able to pay their expenses. This partly explains why 72 percent of married-couple families with children in Florida have income above the ALICE Threshold (Figure 9).

It is important to note that the reality of a single-parent family is changing. According to the U.S. Census, the category of “single-parent” homes includes one parent as the sole adult (37 percent nationally), or a parent with a cohabiting partner (11 percent), or a parent with another adult age 18 or older who lives in the home, such as a grown child, grandparent, or boyfriend (52 percent). In other words, even in most single-parent families, there may be at least two adults in the home who contribute financially to the household (Vespa, Lewis, & Kreider, 2013).

Nonetheless, single-parent families are more likely to have income below the ALICE Threshold. In 2015, in Florida, 79 percent of single female-headed households and 65 percent of single male-headed households lived below the ALICE Threshold, compared to 28 percent of married-couple families with children. Yet because 12 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY the number of married-couple families in Florida is so large, they still account for a significant portion of all children living below the ALICE Threshold.

From a wider perspective, household composition is changing in Florida – and across the country. One important trend is a decline in the number of married-couple families with children. In Florida, the number fell by 10 percent from 2007 to 2015. During the same time period, the number of single female-headed families with children remained relatively flat and the number of single male-headed families increased by 5 percent.

Figure 9. Families with Children by Income, Florida, 2007 to 2015

Married Single Female-Headed 100% 1,400,000 100% 600,000 32% 22% 23% 21% 90% 90%

1,200,000 ds 80% 80% 500,000 1,000,000 70% 70% 400,000 83% 30% 34%

olds 34% 60% 72% 73% 72% 800,000 60% 50% 31% 300,000 50% Househol 40% 600,000 40% 200,000 Househ 30% 400,000 30% Households 44%47% 45% rcent of rcent of Households 20% 17% 16% 18% 20% 37% 100,000 11% 200,000 Pe Pe 10% 10% 6% 11%11% 10% 0% 0 0% 0 2007 2010 2012 2015 2007 2010 2012 2015

Single Male-Headed 100% 180,000 90% 160,000

80% 140,000 35% 70% 37%37% 120,000 60% 49% 100,000 50% 36% 30% 38% 80,000 40% 34% 60,000

30% Households 40,000

rcent of Households 20% 33% 27% 27% 20,000 Pe 10% 17% 0% 0 2007 2010 2012 2015

Poverty ALICE Above AT Total HH

Source: American Community Survey, 2007-2015

When addressing poverty, the media and the community often focus on households with single mothers. But there are households of all types that struggle to make ends meet. Single female-headed families only account for 17 percent of all working-age households below the ALICE Threshold in Florida.

ALICE BY COUNTY Where ALICE families live matters: The Harvard Equality of Opportunity Project has demonstrated the importance of where we live, and especially where we grow up, in determining the directions that our lives take (Chetty & Hendren, 2015). Local economic conditions largely determine the number of households in a county or state that struggle financially. These conditions indicate how difficult it is to survive without adequate income

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 13 and assets to afford basic household necessities. Although ALICE households live in every county of Florida, there is enormous variation in the percentage of ALICE and poverty-level households among counties, ranging from 28 percent of households with income below the ALICE Threshold in St. Johns County to 65 percent in Glades and Hardee counties in 2015 (Figure 10). Contrary to stereotypes that suggest poverty only exists in inner cities, the ALICE data show that families are struggling in rural, urban, and suburban areas.

Comparison across counties, as well as over time, provides important tools to identify the factors that reduce financial hardship in a location.

The percent of households with income below the ALICE Threshold increased across the state from 2007 to 2015. Overall, more counties had a higher percentage of households with income below the ALICE Threshold in 2015 than they had in 2007 (white sections in Figure 10 indicate no data was available). In addition, the percent of households living below the ALICE Threshold increased from a county average of 36 percent in 2007 to 47 percent in 2015. In other words, there was on average a 23 percent increase in the number of households below the ALICE Threshold across Florida counties.

Figure 10. Percentage of Households with Income Below the ALICE Threshold by County, Florida, 2007 and 2015

2007 2015

Jacksonville Jacksonville Tallahassee Tallahassee

Tampa Tampa

Miami Miami

Percent Households Below ALICE Threshold 28% 70%

Source: American Community Survey, 2007 and 2015, and the ALICE Threshold, 2007 and 2015

Details on each county’s household income and ALICE demographics, as well as further breakdown by municipality, are listed in the ALICE County Pages (Exhibit I).

14 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY CHANGES AT THE LOCAL LEVEL In the majority of towns and cities that reported households with income in 2015, more than 30 percent of their households were below the ALICE Threshold. It is difficult to measure change over time in Florida’s smaller towns and cities because small population size and data limited to 5-year estimates make it more difficult to track. But there is reliable data on changes over time for the largest towns in Florida.

Florida’s largest cities, those with more than 40,000 households, vary greatly in their proportion of households below the ALICE Threshold, ranging from 32 percent in Boca Raton to 76 percent in Hialeah. From 2007 to 2015, only two large cities saw their household population decrease, while most grew by more than 7 percent, and Miami and Orlando grew by more than 20 percent. During the same period, all experienced an increase in the number of households below the ALICE Threshold, most by more than 20 percent. In two cities, Brandon and Cape Coral, which had large population changes and were hit hard by the housing bubble, the number of households below the ALICE Threshold increased by more than 70 percent (Figure 11).

Figure 11. Households Below the ALICE Threshold, Largest Cities and Towns in Florida, 2015

Largest Cities and Percentage of Number of 2007-2015 Towns (Above 40,000 Households Below Households Percent Change Households) ALICE Threshold

2015 2015 HOUSEHOLDS BELOW AT Jacksonville 323,488 39% 1% 23% Miami 171,720 72% 26% 46% Tampa 144,582 48% 11% 34% Orlando 111,100 50% 22% 64% St. Petersburg 103,788 42% 1% 9% Tallahassee 74,162 48% 8% 33% Fort Lauderdale 73,817 46% 7% 29% Hialeah 71,124 76% -4% 20% Port St. Lucie 61,310 40% 7% 48% Cape Coral 61,251 42% 4% 74% Pembroke Pines 56,409 35% 3% 20% Hollywood 56,104 52% 0% 13% Gainesville 48,617 57% 8% 19% Clearwater 46,240 41% 4% 6% Miami Beach 43,400 55% 10% 14% Brandon CDP, Florida 41,955 36% 19% 72% West Palm Beach 41,168 48% 16% 16% Coral Springs 40,825 35% 0% 58% Boca Raton 40,551 32% 13% 25% Pompano Beach 40,375 54% -7% 12% Miramar 40,203 33% 17% 43%

Source: American Community Survey, 2007-2015, and the ALICE Threshold, 2007-2015; see Exhibit VI and ALICE Methodology for details

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 15 II. WHAT DOES IT COST TO FUNCTION IN TODAY’S ECONOMY?

HOUSEHOLD SURVIVAL BUDGET The Household Survival Budget reflects the bare minimum cost to live and work in the modern economy. In Florida, the average Household Survival Budget was $53,856 for a four-person family and $19,176 for a single adult in 2015 (Figure 12). The hourly wage necessary to support a family budget is $26.93, working 40 hours per week for 50 weeks per year for one parent (or $13.47 per hour each, if two parents work), and $9.59 per hour full-time for a single adult.

Figure 12. Household Survival Budget, Florida Average, 2015

Monthly Costs, Florida Average, 2015

2 ADULTS, 1 INFANT, 2007 – 2015 SINGLE ADULT 1 PRESCHOOLER PERCENT INCREASE

Monthly Costs Housing $609 $842 22% Child care N/A $1,015 10% Food $165 $547 14% Transportation $326 $653 2% Health care $164 $628 >48% * Miscellaneous $145 $408 19% Taxes $189 $395 20% Monthly Total $1,598 $4,488 19% ANNUAL TOTAL $19,176 $53,856 19% Hourly Wage ** $9.59 $26.93 19%

* Increase in out-of-pocket health care costs from 2007 to 2015 was 48 percent; increase including ACA penalty was 74 percent. ** Wage required to support this budget if working 40 hours per week for 50 weeks. Note: Percent increases in Figure 12 are an average of the increases in each category for a single-adult and for a four-person family. Source: U.S. Department of Housing and Urban Development (HUD), 2015; U.S. Department of Agriculture (USDA), 2015; Bureau of Labor Statistics (BLS), 2015; Internal Revenue Service (IRS) and Florida Department of Education, 2015

The cost of household basics in the Household Survival Budget – housing, child care, food, transportation, health care, taxes, and other miscellaneous essentials – increased by 17 percent for a single adult and 21 percent for a family of four from 2007 to 2015 (Figure 13; note Figure 12 shows the average percent increase for the two budgets between 2007 and 2015). In comparison, the rate of inflation nationally was 14 percent, and the average wage increased by 19 percent in Florida. The rise in the Household Survival Budget in Florida was driven primarily by a 20 percent increase in housing costs and an even larger increase in health care costs (Bureau of Labor Statistics (BLS), 2015).

16 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY The basic health care costs included in the Household Survival Budget also continued to rise, driven largely by the increase in out-of-pocket medical expenses.

One-third of the budget increase was due to costs associated with the Affordable Care Act (ACA). ALICE does not earn enough to afford the premiums for the ACA Marketplace plans – even the least expensive Bronze plan – and many ALICE households make too much to be eligible for Medicaid (the eligibility cutoff is 138 percent of the FPL). The Household Survival Budget, therefore, includes the least expensive option, which is the cost of the “shared responsibility payment” – the penalty for not having coverage. The annual penalty was $325 for a single adult and $975 for a family of four in 2015 (Internal Revenue Service (IRS), 2016). These costs may change in the future as insurance plans change and health care legislation changes over time across the country.

From a broader perspective, many households in Florida with income below the ALICE Threshold were able to purchase insurance through the ACA Marketplace due to Cost Sharing Reductions and Premium Tax Credits. With one of the highest ACA enrollments in the country, Florida has reduced the number of uninsured in all income groups (American Community Survey, 2007, 2010, 2012, and 2015; Centers for Medicare and Medicaid Services (CMS), 2016).

Figure 13. Household Survival Budget, Florida Average, 2007 to 2015

$60,000 21% Change

$50,000

$53,856 $40,000

2007 $30,000 2010

Cost of Budge t 17% Change $20,000 2015

$19,176 $10,000

$0 AdultFamily

Source: U.S. Department of Housing and Urban Development (HUD), 2015; U.S. Department of Agriculture (USDA), 2015; Bureau of Labor Statistics (BLS), 2015; Internal Revenue Service (IRS) and Florida Department of Education, 2015

The Household Survival Budget for seniors is based on the budget for a single adult, so likely underestimates the additional costs many seniors incur, especially those with health issues. For example Medicare does not cover most dental and foot care, eye exams and glasses, and aides and equipment (U.S. Centers for Medicare & Medicaid (CMS), 2016).

The Household Survival Budget varies across Florida counties. The basic essentials were least expensive for a family of four in Putnam County at $44,028 per year, and for a single adult in Suwannee County at $15,456. They were most in Monroe County, $68,952 for a family and $29,208 for a single adult. A Household Survival Budget for each county in Florida is presented in the County Pages (Exhibit I); there is also a Methodology Exhibit, and additional budgets for different family variations are available at http://spaa.newark.rutgers.edu/united-way-alice.

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 17 HOUSEHOLD SURVIVAL BUDGET COMPONENTS

Housing: U.S. Department of Housing and Urban Development (HUD)’s Fair Market Rent (FMR) for an efficiency apartment for a single adult and a two-bedroom apartment for a family. The cost includes utilities but not telephone service, and it does not include a security deposit.

Child Care: The cost of registered home-based child care for an infant and a four-year-old. Home-based child care has only voluntary licensing, so the quality of care that it provides is not regulated and may vary widely between locations (Florida Department of Education, 2015). However, licensed and accredited child care centers, which are fully regulated to meet standards of quality care, are significantly more expensive.

Food: U.S. Department of Agriculture’s (USDA) Thrifty Food Plan, which is also the basis for the Supplemental Nutrition Assistance Program (SNAP) and Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) benefits.

Like the original Economy Food Plan, the Thrifty Food Plan was designed to meet the nutritional requirements of a healthy diet, but it includes foods that need a lot of home preparation time with little waste, plus skill in both buying and preparing food. The cost of the Thrifty Food Plan takes into account broad regional variation across the country but not localized variation, which can be even greater, especially for fruits and vegetables (Hanson, 2008; Leibtag & Kumcu, 2011).

Transportation: The transportation budget is calculated using average annual expenditures for transportation by car and by public transportation from the Bureau of Labor Statistics’ Consumer Expenditure Survey (CES). Since the CES is reported by metropolitan statistical areas and regions, counties are matched with the most local level possible.

Health Care: The health care budget includes nominal out-of-pocket health care spending, medical services, prescription drugs, and medical supplies using the average annual health expenditure reported in the CES plus a penalty for not purchasing insurance as mandated by the Affordable Care Act (ACA). Because ALICE does not qualify for Medicaid but cannot afford even the Bronze Marketplace premiums and deductibles, we add the cost of the “shared responsibility payment” – the penalty for not having coverage – to the current out-of-pocket health care spending. The penalty for 2015 was $325 for a single adult and $975 for a family of four.

Miscellaneous: The miscellaneous category includes 10 percent of the budget total (including taxes) to cover cost overruns. It could be used for items many consider additional essentials, such as toiletries, diapers, cleaning supplies, or work clothes.

Taxes: The tax budget includes both federal and state income taxes where applicable, as well as Social Security and Medicare taxes. These rates include standard federal and state deductions and exemptions, as well as the federal Child Tax Credit and the Child and Dependent Care Credit as defined in the Internal Revenue Service 1040: Individual Income Tax, Forms and Instructions. They also include state tax deductions and exemptions such as the Personal Tax Credit and renter’s credit as defined in each state Department of Revenue’s 1040: Individual Income Tax, Forms and Instructions. In most cases, the Household Survival Budget is above the Earned Income Tax Credit (EITC) eligibility limit so these credits are not included in the budget, but they are counted in the Income Assessment, discussed below.

18 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY HOW DOES THE SURVIVAL BUDGET COMPARE? The Household Survival Budget is a very specific measure that is used to recognize the bare minimum costs for a household to live and work in the modern economy, calculated on actual household expenditures. By comparison, other existing budgets provide different ways to view local economies, ranging from the very lowest measure, the Federal Poverty Level (FPL), to the highest, the Household Stability Budget (Figure 14).

Figure 14. Comparison of Household Budgets (family of 4), Polk County, Florida, 2015

FPL $24,250/year

ALICE Survival $50,832/year $830 $953 $547 $644 $634 $385 $243

MIT $737 $968 $737 $94 2 $560 $441 $582 $59,604/year

EPI $62,311/year $807 $888 $782 $620 $893 $767 $435

$0 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000

Housing Child Care Food Transportation Health Care Miscellaneous Taxes

Source: American Community Survey, 2015; The ALICE Threshold, 2015; MIT, 2016; Economic Policy Institute, 2015 Source: U.S. Department of Housing and Urban Development (HUD), 2015; U.S. Department of Agriculture (USDA), 2015; Bureau of Labor Statistics (BLS), 2015; Internal Revenue Service (IRS), 2015; Florida Department of Education, 2015; MIT, 2016; Economic Policy Institute, 2015 Budget Comparisons The Household Survival Budget is significantly higher than the FPL of $24,250 per year for a family of four and $11,770 per year for a single adult in 2015 (U.S. Department of Health & Human Services, 2015). However, it is lower than the Massachusetts Institute of Technology (MIT) Living Wage Calculator’s budget by 17 percent and the Economic Policy Institute’s Family Budget Calculator by 23 percent (note, the EPI budget is in 2014 dollars). Though these alternative budgets are slightly more comfortable, providing for higher quality housing and child care, more nutritious food, more reliable transportation, and employer-sponsored health insurance, it would still be hard to live on these budgets for a long period of time. It is important to note that while the budgets use similar calculations for taxes, the amount of taxes in the alternative budgets are higher because their base budgets are higher. As the total budget increases, the income needed to cover the expenses increases, and higher income results in a larger tax bill. Detailed comparison of the budgets is outlined below (Figure 15) (Massachusetts Institute of Technology (MIT), 2015; Economic Policy Institute, 2015).

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 19 Figure 15. Comparison of Household Budgets by Category, 2015

Household Survival EPI Family Budget MIT Living Wage Budget Budget Calculator

HUD’s 40th rent percentile for a HUD’s 40th rent percentile for HUD’s 40th rent percentile for two-bedroom apartment (which a two-bedroom apartment plus a two-bedroom apartment plus Housing includes all utilities whether additional utilities to HUD’s additional utilities to HUD’s paid by the landlord/owner or by estimate. estimate. the renter). Licensed and accredited child care Lowest-cost child care option centers, which have significantly available (usually home-based higher costs than home-based Home-based child care for an care) for a 4-year-old and a Child Care centers for a “young child” and a infant and a preschooler. school-age child, whose care is “child” (no ages specified), whose generally less costly than infant care is generally less costly than child care. infant child care. USDA’s Low-Cost Food Plan USDA’s Thrifty Food Plan for a USDA’s Low-Cost Food Plan for estimates the cost of food for Food family of four. a family of four. each person in the family and totals those numbers. Includes only the operating Includes operating costs for a costs for a car (including Includes operating costs for a Transportation car (including car insurance), car insurance) or public car (including car insurance). and the cost of vehicle financing. transportation where available. Out-of-pocket health care Employer-sponsored health ACA’s least expensive Bronze Health Care expenses plus the Affordable insurance, medical services and plan. Care Act (ACA) penalty. supplies, and drugs. Includes 10 percent of the Includes essential clothing and Includes apparel, personal care, Miscellaneous budget for cost overruns. household expenses. and household supplies.

Source: Massachusetts Institute of Technology (MIT), 2015; Economic Policy Institute, 2014; Glasmeier & Nadeau, 2015

Household Stability Budget Because the alternative budgets only cover the bare essentials, it is helpful to calculate a budget that provides for stability over time – as well as a reasonable quality of life, and peace of mind. The ALICE Household Stability Budget is meant to fill this gap. This budget is significantly higher than the other measures because it estimates what it costs to support and sustain a secure and economically viable household.

The Household Stability Budget includes safer housing that needs fewer repairs, reflected in the median rent for single adults and single parents, and a moderate house with a mortgage for a two-parent family. Child care is upgraded to licensed and accredited care where quality is regulated. Food is elevated to the USDA’s Moderate Food Plan, which provides more variety than the Thrifty Food Plan and requires less skill and time for shopping and cooking, plus one meal out per month. For transportation, the Stability Budget includes leasing a car, allowing drivers to more easily maintain a basic level of safety and reliability. For health care, health insurance is represented by the cost of an employer-sponsored health plan. Cell phone ownership, increasingly necessary to work in the modern economy, is also added into the Household Stability Budget. The Miscellaneous category represents 10 percent of the five basic necessities.

20 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Because savings are crucial to achieving stability, the Household Stability Budget also includes a savings category of 10 percent of the budget, which is typically enough to invest in education and retirement, cover monthly payments on a student loan, or put towards a down payment on a house. However, in many cases, savings are used for emergencies and never accumulate.

In Florida, the Household Stability Budget is $92,034 per year for a family of four – 71 percent higher than the Household Survival Budget (Figure 16). The Household Stability Budget for a single adult totals $31,483 which is 30 percent higher than the Household Survival Budget.

Figure 16. Average Household Stability Budget vs. Household Survival Budget, Florida, 2015

Florida Average – 2015

2 ADULTS, 1 INFANT, 1 PRESCHOOLER Survival Stability Percent Difference

Monthly Costs Housing $842 $1,213 44% Child Care $1,015 $1,300 28% Food $547 $1,047 91% Transportation $653 $1,185 81% Health Care $628 $1,002 60% Cell Phone N/A $99 N/A Savings N/A $455 N/A Miscellaneous $408 $455 12% Taxes $395 $913 131% Monthly Total $4,488 $7,670 71% ANNUAL TOTAL $53,856 $92,034 71% Hourly Wage* $26.93 $46.02 71%

* Wage required to support this budget if working 40 hours per week for 50 weeks Note: Percent increases in Figure 16 are an average of the increases in each category for a single-adult and for a four-person family. Source: U.S. Department of Housing and Urban Development (HUD), 2015; U.S. Department of Agriculture (USDA), 2015; Bureau of Labor Statistics (BLS), 2015; Internal Revenue Service (IRS) and Florida Department of Education, 2015

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 21 III. ACHIEVING STABILITY: INCOME, SAVINGS AND PUBLIC ASSISTANCE

It is often assumed that ALICE households have savings to draw upon in an emergency or have access to public assistance as a last resort. However, most ALICE households have little or no savings, and are not typically eligible for public and private assistance because their earnings are above qualifying limits. This section reports how resources have changed over time.

SHIFTS IN SOURCES OF INCOME Changes in the sources of income for Florida households during the period between 2007 and 2015 provide insight into the way the economy’s downturn and rebound impacted different families (Figure 17). The toughest economic years were from 2007 to 2010, when most of these income changes occurred. Some of those trends have since been reversed, but none have returned to pre-2007 levels.

In 2015, 69 percent of households (4.96 million) had wage or salary income (blue bar, left axis), the most common sources of income for households in Florida. The number of households with wage or salary income decreased by 4 percent from 2007 to 2010 and then increased by 4 percent from 2010 to 2015 ending just below the 2007 level. The aggregate amount of all earnings followed a similar pattern but ended 6 percent higher than 2007 (dotted yellow line, right axis) (American Community Survey, 2007, 2010, 2012, and 2015).

Figure 17. Earnings by Number of Households and Aggregate Total, Florida, 2007 to 2015 ) 5,700 $400

$350 5,200 $300

4,700 $250 $200 4,200 $150 Income (in billions olds (in thousands) $100 3,700 $50

Househ 3,200 $0 2007 2010 2012 2015 Aggregate

Households with Earnings Aggregate Earnings

Source: American Community Survey, 2015

Households in Florida receive several other types of income as well (Figure 18). Although much has been written about the “gig” economy (also known as the contract or non-traditional economy), only a small number of households in Florida report self-employment as a source of income (though more may earn and not report it). Just 9 percent of households reported receiving self-employment income in 2015. The self-employed took a hit during the Great Recession, as the number of households reporting self-employment income decreased by 9 percent from 2007 to 2010 and then rebounded by 8 percent from 2010 to 2015 (American Community Survey, 2007, 2010, 2012, and 2015).

22 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Figure 18. Percent Change in Non-wage Household Sources of Income, Florida, 2007 to 2015

3,000,000 20% Change

2,500,000

2,000,000 -8% Change 10%

1,500,000 Change 159% Change 1,000,000 -2% Households Change 61% 500,000 Change 98% Change 0 Social Interest or Retirement SNAP Self-EmploymentSSI TANF/GA Security Dividends

2007 2010 2012 2015

Source: American Community Survey, 2015

The next most common source of income after wages is Social Security. The impact of the aging population is evident in the 20 percent increase in the number of households getting Social Security income and the 10 percent increase in households receiving retirement income from 2007 to 2015.

The impact of the financial downturn on households during this time period is also reflected in the striking increase in the number of Florida households receiving income from government sources other than Social Security. While not all ALICE households qualified for government support between 2007 and 2015, many with one or more members who lost a job during this period began receiving government assistance for the first time. The number of households receiving SNAP, the Supplemental Nutrition Assistance Program formerly known as food stamps, increased by 159 percent. The average SNAP benefit per person decreased from $141 per month in 2010 to $130 per month in 2015 (Kaiser Family Foundation, 2014).

At the same time, the number of households receiving government aid once known as “welfare,” through Temporary Assistance for Needy Families (TANF), or General Assistance (other payments from state or local welfare offices), increased by 98 percent. But the average amount each person received in benefits decreased (U.S. Department of Health and Human Services, 2009, 2014). The number of households receiving Supplemental Security Income (SSI), which includes welfare payments to low-income people who are 65 and older and to people of any age who are blind or disabled, rose by 61 percent.

SAVINGS AND ASSETS With so many families not able to keep up with the cost of living, accumulating assets is difficult in Florida.The cost of unexpected emergencies, ranging from natural disasters to personal health crises, can deplete savings. Job losses have forced people to tap into their retirement savings, or take out second mortgages or home equity lines of credit. Having minimal or no assets makes ALICE households more vulnerable to emergencies. It also can increase their overall costs when they have to use alternative financing with fees and high interest rates that make it difficult or impossible to save money or amass more assets.

According to a 2015 Financial Capability Survey, 47 percent of Florida residents did not think that they could come up with $2,000 if an unexpected need arose within the next month. These findings are on par with the 2011 Corporation for Enterprise Development (CFED) survey that found 27 percent of Florida households were

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 23 “asset poor,” defined as not having enough net worth to subsist at the poverty level for three months without income. And 49 percent were “liquid asset poor,” defined as having no or limited cash or a savings account (Corporation for Enterprise Development (CFED), 2012; FINRA Investor Education Foundation, 2016).

While data on savings and investments is minimal, levels of ownership of three of the most common assets in Florida – vehicles, homes, and investments – provide insight into resources families have for emergencies and to accumulate wealth (Figure 19). Most Florida households have at least one vehicle, a necessity for work. In 2015, 41 percent of all households had one vehicle, 38 percent had two and 14 percent had three or more. Only 7 percent of households had no vehicle in 2015. While cars offer benefits beyond their cash value, they are not an effective means of accumulating wealth because the value of a car normally depreciates over time. Nationally, the percent of vehicles that are leased has been increasing steadily. In 2015, 86 percent of new vehicles and 55 percent of used vehicles were leased. An indicator of the financial strain of leasing is the fact that in Florida, 2.2 percent of those leases are more than 30 days delinquent with their payment (Jones, 2014; Center for Responsible Lending, 2014; Kiernan, 2016; Zabritski M., 2016).

The second most common asset is a home, an asset that has traditionally provided financial stability and the primary means for low-income families to accumulate wealth. In 2015, 65 percent of Florida households owned a home, down from the peak of 72 percent in 2005. As homeownership is a primary asset for many families, they are significantly affected by changes in home prices. This is especially important for the two-thirds of Florida homeowners who have a mortgage. According to the 2015 Financial Capability Survey, 15 percent of Florida homeowners thought that they would owe more on their home than they would earn by selling it (American Community Survey, 2007, 2010, 2012, and 2015; Federal Reserve Bank of St. Louis, 2015; Herbert, McCue, & Sanchez-Moyano, September 2013; Federal Reserve, 2014; FINRA Investor Education Foundation, 2016).

The most effective resource to weather an emergency is an investment that produces income, which can range from a checking account to a 401K retirement plan to a rental property. According to the 2015 Financial Capability Survey, 73 percent of Florida residents report having a savings account, money market account, or certificates of deposit (CDs). However, with low interest rates and increased banking fees, only 21 percent of households in Florida received interest and dividends or rental income (same as the national average). The number of households with investment income dropped by 8 percent between 2007 and 2015, largely because of the stock market crash. Though some households have recovered, the number of households with investment income remains below the 2007 level, as many families have used assets to cover expenses during periods of unemployment and lower income. When combined with an emergency, the loss of these assets forced many households below the ALICE Threshold (Bricker, et al., 2014; American Community Survey, 2007, 2010, 2012, and 2015; Federal Reserve, 2014; U.S. Financial Capability Study, 2015).

Figure 19. Assets Ownership, Florida, 2015

100% 90% 3+ Vehicles, 14% 80% 70%

useholds 60% 2 Vehicles, 38% 50% With Mortgage, 40% 36% 30%

rcent of Ho 20% 1 Vehicle, 41% No Mortgage, 27% Pe 10% 21% 0% VehicleHome OwnershipInterest, Dividends, or Rental Income

Source: American Community Survey, 2015

24 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY DOES PUBLIC ASSISTANCE BRING FINANCIAL STABILITY? The persistence of low wages, underemployment, periods of unemployment, and loss of employer-sponsored benefits have led to financial insecurity for many ALICE households. As a result, many working ALICE households have turned to government supports and services, often for the first time, to make ends meet. When workers do not earn enough to pay for basic necessities, they may be forced to turn to public support to feed their families, secure health insurance, or pay rent and other basic needs.

The ALICE Income Assessment quantifies total income of households below the ALICE Threshold as well as how much public and nonprofit assistance is spent on these low-income households.The methodology for the Income Assessment has been slightly revised since the last United Way ALICE Report was published for Florida, and incorporated into this analysis (for more details, see the What’s New section at the beginning of this report, and Exhibit VIII: Methodology Overview).

From 2012 to 2015, the number of households below the ALICE Threshold remained flat, but the earnings of these households increased from $60.2 billion in 2012 to $69.6 billion in 2015. During that time, the cost of basic necessities grew at a faster rate, as did the amount of need, which reached $147 billion in 2015 (up from $128 billion in 2012). Federal and state government spending on cash public assistance increased by 12 percent to $4.36 billion in 2015. Other government programs (excluding health) had the largest increase, growing by 19 percent to $16.28 billion, and nonprofit spending remained flat at $1.2 billion. Health care spending increased by 17 percent to $26.7 billion. As a result, the size of the Unfilled Gap – the amount still needed to bring all households to the ALICE Threshold – increased by 8 percent. In other words, in order for all Florida households to have income at the ALICE Threshold, $28.83 billion is needed to fill the gap – and that could come through a combination of additional wages and public resources (Figure 20) (Office of Management and Budget, 2016; Urban Institute, 2010, 2012; U.S. Department of Agriculture (USDA), 2016; National Association of State Budget Officers, 2016; American Community Survey, 2015; for more detail see the Methodology Exhibit).

Figure 20. ALICE Income Assessment, Florida, 2012 to 2015

$3.91 $1.2

2012 $60.2 $13.69 $22.8 $26.60

$4.36 $1.2

2015 $69.6 $16.28 $26.7 $28.83

$0 $20$40 $60$80 $100 $120 $140 $160 Spending (in billions)

Income Nonprofits Government Programs Cash Public Assistance Health Care Unfilled Gap

Source: Office of Management and Budget, 2016; Department of Treasury, 2015; American Community Survey, 2015; National Association of State Budget Officers, 2016; Urban Institute, 2010 and 2012; U.S. Department ofAgriculture, 2016; for more detail see the Methodology Exhibit.

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 25 Without public assistance, many households in poverty and ALICE households would face even greater hardship and many more would be in poverty, especially in the wake of the Great Recession. Programs like SNAP, the Earned Income Tax Credit (EITC) and Child Care Tax Credit (CTC), Medicaid, and food banks provide a critical safety net for basic household well-being, and enable many families to work (Sherman, Trisi, & Parrott, 2013; Dowd & Horowitz, 2011; Grogger, 2003; Coleman-Jensen, Rabbitt, Gregory, & Singh, September 2015; Rosenbaum, 2013; Feeding America, 2014). This analysis is not an evaluation of the efficiency of the programs in delivering goods or services. However, research has shown that assistance is not always well-targeted, effective, and timely. There are several challenges to meeting basic needs with public and private assistance.

First, the majority of government programs are intended to fill short-term needs, such as basic housing, food, clothing, health care, and education. By design, their goal is not to help households achieve long-term financial stability (Haskins, 2011; Shaefer & Edin, 2013; O’Dea, 2016; Ben-Shalom, Moffitt, & Scholz, 2012).

Second, crucial resources are often targeted to households near or below the Federal Poverty Level (FPL), meaning that many struggling ALICE households are not eligible for assistance. Benefits are often structured to end before a family reaches stability, known as the “cliff effect.” In Florida, SNAP benefits decrease once income reaches 185 percent of the FPL, or just $44,123 for a family of four – about $10,000 less than the Household Survival Budget for a family (National Conference of State Legislatures, October 2011; Kaiser Family Foundation, 2014).

Third, resources may not be available where they are needed. This statewide analysis may mask geographic disparities in the various types of assistance. For many reasons, funding is distributed unevenly across the state, which may lead to unmet need in some parts of the state not reflected in the IncomeAssessment.

Finally, because public and nonprofit assistance is allocated for specific purposes and often delivered as services, it can only be used for specific parts of the household budget. Only 8 percent of the assistance provided in Florida is done through cash transfers, which households can use toward any of their most pressing needs. The remainder is earmarked for specific items, like food assistance or health care, for which the need varies across households below the ALICE Threshold. This means that not all households benefit equally from assistance. For example, a household that only visits a doctor for an annual checkup does not receive its share of the spending put toward health care assistance in Florida, while a household that experiences a medical emergency receives far more than the average.

Spending by Category: Example for Families with Children A breakdown of public and nonprofit spending in Florida by category reveals that there are large gaps in key areas, particularly housing and child care. Figure 21 compares the budget amounts for each category of the Household Survival Budget for a family of four (shown in dark blue) with income from households below the ALICE Threshold (shown in dark yellow), plus the public and nonprofit spending in each category (shown in yellow cross-hatch). The gap or surplus in each budget area is the difference between the blue column and the yellow/cross-hatch column. The comparison assumes that the income households earn is allocated proportionately to each category.

26 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Figure 21. Comparing Basic Need with Public and Nonprofit Spending by Category (Excluding Health Care and Miscellaneous Expenses), Florida, 2015

$35,000 51% Gap

$30,000 47% Gap

$25,000 52% Gap $20,000 1% Surplus

Millions $15,000 12% Gap

$10,000

$5,000

$0 Housing Child Care Food Transportation Taxes

Minimum Need Income – HH below AT Government & Nonprofit Assistance

Source: Office of Management and Budget, 2015; U.S. Department ofAgriculture (USDA), 2015; Internal Revenue Service, 2015; Department of Treasury, 2015; American Community Survey, 2015; National Association of State Budget Officers, 2016; Urban Institute, 2012 Housing In the Household Survival Budget for a family of four, housing accounts for 19 percent of the family budget. Following this allocation, this analysis assumes that all ALICE households then spend 19 percent of their income on housing. That still leaves them far short of what is needed to afford rent at HUD’s 40th rent percentile. But does public assistance fill the gap? Federal housing programs provide $1.2 billion in assistance, including Section 8 Housing Vouchers, the Low Income Home Energy Assistance Program, the Public Housing Operating Fund, and Community Development Block Grant (CDBG). In addition, nonprofits spend an estimated $231 million on housing assistance (because nonprofit spending is not available by category, the estimate is one-fifth of the total nonprofit budget). Yet when income and government and nonprofit assistance for housing are combined, there is still a 47 percent gap in resources for all households to meet the basic ALICE Threshold for housing. Therefore it is not surprising that most families spend more of their income on housing, which leaves less for other items.

Child Care In the Household Survival Budget for a family of four, child care accounts for 23 percent of the family budget. Yet for many ALICE households, 23 percent of earned income is not enough to pay for even home-based child care, the least expensive organized care option. Additional child care resources available to Florida families include $457 million for Head Start, the program that helps children meet their basic needs or is necessary to enable their parents to work, and Florida’s School Readiness program. Nonprofits provide additional child care assistance including vouchers and child care services estimated at $231 million. Yet when income and government and nonprofit assistance are combined, there is still a 51 percent gap in resources for all households to meet the basic ALICE Threshold for child care.

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 27 Food In the Household Survival Budget for a family of four, food accounts for 12 percent of the family budget, yet for many ALICE households, 12 percent of what they actually earn is insufficient to afford even the USDA Thrifty Food Plan. Food assistance for Florida households includes $1.6 billion of federal spending on food programs, primarily SNAP (formerly food stamps), school breakfast and lunch programs, and the Special Supplemental Nutrition Program for Women, Infants, and Children (WIC). Nonprofits also provide food assistance – including food pantries, food banks, and soup kitchens – totaling approximately $231 million. When income and government and nonprofit food assistance are combined, there is a 1 percent surplus in resources for all households to meet the basic ALICE Threshold for food. In practice, there is a gap for many Florida families. Because there are strict eligibility requirements for Florida’s Food Assistance Program, and food pantries are not always geographically accessible to families in need, approximately 17 percent of Florida residents struggled with hunger in 2015, according to Feeding Florida (Florida Department of Children and Families, 2016; Feeding Florida, 2015).

Transportation In the Household Survival Budget for a family of four, transportation accounts for 15 percent of the family budget. Yet for many ALICE households, 15 percent of what they actually earn is not enough to afford even the running costs of a car. While Florida’s public transportation systems are state-funded, there is no government spending on transportation targeted specifically to ALICE and poverty families. However, nonprofits provide some programs, spending an estimated $231 million. When income and nonprofit assistance are combined, there is a 52 percent gap in resources for all households to meet the basic ALICE Threshold for transportation.

Taxes In the Household Survival Budget for a family of four, taxes account for 14 percent of the family budget, so this analysis assumes that 14 percent of income is allocated toward taxes. Though earning enough to afford the Household Survival Budget would put some ALICE households above the eligibility level for the Earned Income Tax Credit (EITC), many households below the ALICE Threshold benefit from the EITC (the average income for households receiving EITC in Florida in 2014 was $14,118). The federal EITC provided $1.3 billion in tax credits and refunds for Florida’s working families. Eligible households collected an average federal tax refund of $2,450, which helped 2 million ALICE and poverty-level households in 2015 (National Conference of State Legislatures, 2016; Brookings, 2016). The per-household amount of taxes depends on a recipient’s income; for every additional dollar families with children earned above $17,830 ($23,260 for married families), the amount of credit they received decreased. When income and government credits and refunds are combined, there remains a 12 percent gap in resources for all households to meet the basic ALICE Threshold for taxes.

The Special Case of Health Care Health care resources are separated from other government and nonprofit spending because they account for the largest single source of assistance to low-income households: $26.7 billion or 55 percent of all spending in Florida. Health care spending includes federal grants for Medicaid, CHIP, and Hospital Charity Care; state matching grants for Medicaid, CHIP, and Medicare Part D Clawback Payments; and the cost of unreimbursed or unpaid services provided by Florida hospitals (Office of Management and Budget, 2016; Internal Revenue Service (IRS), 2007, 2010 and 2012; National Association of State Budget Officers, 2016).

With the increasing cost of health care and the implementation of the Affordable Care Act (ACA), spending on health care has also increased in Florida, but the percent of residents insured has also increased for all income groups. For this reason, spending on health care in Florida surpasses the amount needed for each household to afford basic out-of-pocket health care expenses. However, even this level of assistance does not necessarily guarantee good or improved health to low-income Florida households.

28 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Because there is greater variation in the amount of money families need for health care than there is in any other single category, it is difficult to estimate health care needs and costs, and even more difficult to deliver health care efficiently to families in poverty or ALICE families. An uninsured (or even an insured) household with a severe and sudden illness could be burdened with hundreds of thousands of dollars in medical bills in a single year, while a healthy household would have few expenses. National research has shown that a small proportion of households facing severe illness or injury account for more than half of all health care expenses, and those expenses can vary greatly from year to year (U.S. Department of Housing and Urban Development (HUD), 2010; Stanton, 2006; Kaiser Family Foundation, 2012).

Public and Nonprofit Assistance per Household Looking at the breakdown of average spending further highlights the difference between health care spending and other types of assistance. In Florida, the average assistance each household received was $8,130 in health care resources from the government and hospitals in 2015, a 14 percent increase from 2012. By comparison, the average benefit to households below the ALICE Threshold from other types of federal, state, and local government and nonprofit assistance – excluding health care – was $6,647 per household, a 13 percent increase from 2012. Combining the two categories, the average household below the ALICE Threshold received a total of $14,776 in cash and services, shared by all members of the household and spread throughout the year (Figure 22) (Office of Management and Budget, 2016;American Community Survey, 2007, 2010, 2012, and 2015; Urban Institute, 2010, 2012; National Association of State Budget Officers, 2016; and the ALICE Threshold, 2012 and 2015).

Figure 22. Total Public and Nonprofit Assistance per Household Below the ALICE Threshold, Florida, 2015

Spending per Household Below the ALICE Threshold

HEALTH ASSISTANCE ONLY ASSISTANCE EXCLUDING HEALTH TOTAL ASSISTANCE

2012 $7,151 $5,886 $13,037

2015 $8,130 $6,647 $14,776

Source: Office of Management and Budget, 2016; Department of Treasury, 2015; National Association of State Budget Officers, 2016; Urban Institute, 2012; American Community Survey, 2015; and the ALICE Threshold, 2015

To put the amount of per-household spending in perspective, most Floridians, including those well above the ALICE Threshold, receive some form of assistance though the mechanism for delivery are different. For example, households with income between $100,000 and $200,000 receive an average of $9,978 as a home mortgage interest deduction and $4,720 in real estate tax deductions; households with income above $1 million receive an average of $24,516 as a home mortgage interest deduction and $41,600 in real estate tax deductions in 2014 (Internal Revenue Service, 2014).

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 29 IV. HOW HAVE ECONOMIC CONDITIONS CHANGED FOR ALICE FAMILIES?

More than any demographic feature, employment defines ALICE households. The financial stability of ALICE workers depends on local job opportunities, as well as the cost and condition of housing, and the availability of community resources. The updated Economic Viability Dashboard presented in this section describes changes in these economic factors throughout Florida.

FLORIDA JOBS Florida’s job market has improved since 2012, though low-wage jobs still dominate the economic landscape. In Florida, 67 percent of jobs pay less than $20 per hour, with three-quarters of those paying less than $15 per hour. This is lower than the 73 percent of jobs that were low-wage in 2007 (Figure 23). However, when 2007 wages are adjusted for inflation, the percent of jobs paying less than $20 per hour in 2015 dollars was the same, 67 percent.

A full-time job that pays $15 per hour grosses $30,000 per year, which is well below the average Household Survival Budget for a family of four in Florida of $53,856.

With 7.9 million total jobs in Florida recorded by the Bureau of Labor Statistics in 2015, the job market has shown improvement since 2012, and it is just returning to its 2007 size (Figure 23). Though jobs paying less than $20 per hour dominate the job market, those paying less than $15 decreased between 2007 and 2015. The number of jobs paying more than $20 per hour increased, with those paying more than $30 per hour rising dramatically. Jobs paying $30 to $40 rose by 41 percent and jobs paying $40 to $60 increased by 82 percent. Jobs that saw the most growth were food preparers, restaurant cooks, customer service representatives, office administrative supervisors, and secretaries and administrative assistants (Bureau of Labor Statistics (BLS), 2007 and 2015).

Figure 23. Number of Jobs by Hourly Wage, Florida, 2007 to 2015

3,000 -11% Change Number of Jobs 2,500 2007: 7.9 Million 2012: 7.2 Million 2,000 2015: 7.9 Million -13% Change 6% Change

1,500 11% Change

1,000 of Jobs (in thousands)

82% Change 500 41% Change

Number 43% Change 0 Less Than $10 $10-$15 $15-$20 $20-$30$30-$40 $40-$60 Above $60

2007 2012 2015

Source: Bureau of Labor Statistics, Occupational Employment Statistics (OES) Wage Survey – All Industries Combined, 2007-2015

30 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Industries in Florida vary in the contributions they make to the state’s employment and gross domestic product (GDP). The industries with large GDP contributions but low employment tend to pay higher wages to employees, while those with smaller GDP contributions but higher employment have more people to pay. In Florida, ALICE workers tend to be concentrated in the industries with smaller GDP contributions (Figure 24).

The financial industry continues to be the largest contributor to GDP, with over $173 billion in 2015 or 22 percent of total GDP. However, it employs less than 2 percent of the workforce. There are few ALICE workers in this field, and they are primarily in administrative support roles. With strong demand for banking, financial investments, insurance, and real estate investments, Miami and Tampa had the 3rd and 4th fastest growing financial sectors in the state (Headlight Data, 2015).

The trade, transportation, and utilities industry made the second largest contribution to GDP (20 percent) and employed the largest number of workers, 1.7 million workers or 17 percent of the workforce. While its contribution to GDP increased by 4 percent between 2007 and 2015, employment in the industry increased by 20 percent, and continues to employ significant numbers of ALICE workers.

The next four largest employing industries – professional and business services, government, education and health services, and leisure and hospitality employ a larger share of the population than is represented by its contribution to GDP. Primarily service industries, these are large employers of ALICE workers. Education and health services is the fastest growing sector for employment and GDP. Leisure and hospitality have also shown strong growth, especially since 2010. In 2015, there were more than 106 million out-of-state visitors who spent more than $89 billion in taxable spending and provided $11.3 billion in state and local taxes. Government grew in employment but declined in GDP (Bureau of Labor Statistics (BLS), 2015; Parrish, 2016).

While agriculture and construction make much smaller contributions to GDP, they are large employers (16 percent and 5 percent respectively), and have shown some of the strongest growth since 2010. With Florida’s warm climate, the growing season is more year-round than other regions of the country, and the leading commodities (greenhouse and nursery products, as well as oranges, tomatoes, and dairy products) require more labor than most agriculture products. The construction industry, which took a hard hit during the Great Recession, has bounced back and is now responsible for the largest percentage increase in job creation of all categories from 2010 to 2015, though the sector still has not returned to 2007 levels (Parrish, 2016; Walton, 2016).

Though Florida is a well known leader in the aerospace industry, overall manufacturing accounts for less than 5 percent of employment and GDP in Florida. Despite this small share, prominence in the aerospace industry has garnered national attention and provided a compelling case for Florida’s future in the technology and innovation sectors (DiBello, 2013; Walton, 2016).

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 31 Figure 24. Employment and GDP by Industry, Florida, 2007 to 2015

Change $250 1800 20%

Change ge 1600

0% ) Change $200 Change Chan 1400

4% 21% Change

39% 33% Change 1200 ) 14% $150 -2% Change Change 1000 Change

10% -4% Change 800 $100 Change 19%

15% 600 GDP (in billions -28% Change 16% Change

6% Change 400 Employment (in thousands -10% Change $50 -24% Change -16% Change

9% Change 200

26% Change $0 0 & y s s s

Activities & Utilitie Information Agriculture Government Education Construction Manufacturing Professional & Health Service Financial Business Service Leisure & Hospitalit Trade, Transportation

GDP Employment

Source: Bureau of Labor Statistics (BLS), 2007-2015, and U.S. Department of Commerce, Bureau of Economic Analysis, 2007-2015

With the service sector employing a large number of ALICE workers, it’s important to address several characteristics of the service-sector economy that add to the struggles of their employees. Most notably, service sector jobs pay low wages. In 2015, only one of the 20 most common service sector occupations paid enough to support the Household Survival Budget, a minimum of $26.93 per hour: registered nurses who earned an average of $29.87 per hour (Figure 25).

The most common occupation in Florida, retail sales, pays a wage that is well below what is needed to make ends meet. The more than 337,140 retail salespeople make an average of $9.99 per hour, or $19,980 if working full time, year round. These jobs fall short of meeting the family Household Survival Budget by more than $33,000 per year. Even if both parents worked full time at this wage, they would fall short of the Household Survival Budget by almost $14,000 per year.

Working in service sector jobs can put more financial stress on ALICE families in other ways. First, many of these jobs are seasonal, like those in agriculture and tourism, and this leads to irregular income for ALICE households as well as unpredictable scheduling and lack of benefits. Second, these jobs are often located in areas with high housing costs, meaning that employees have to either pay more for housing or have longer commutes and higher transportation costs. Most of these jobs require employees to work on-site, and they often have unpredictable or nontraditional work schedules, which makes it harder to plan around public transportation and child care.

32 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY This is especially true in Naples and Orlando, and many of Florida’s islands as well as the Florida Keys, where tourism and resort communities exacerbate some of these challenges. In these areas, the demand for jobs is highest where housing costs are highest, and yet many jobs are low wage and seasonal (Maxwell, 2015; Florida Housing Coalition, 2015; Florida Department of Economic Opportunity, 2015).

Figure 25. Top 20 Occupations by Employment and Wage, Florida, 2015

2007-2015 2015 Percent Change

NUMBER OF MEDIAN NUMBER OF MEDIAN OCCUPATION JOBS HOURLY WAGE JOBS HOURLY WAGE Retail Salespersons 337,140 $9.99 19% -6% Food Prep, Including Fast Food 227,860 $8.98 38% 20% Cashiers 226,000 $9.08 -5% 13% Customer Service Representatives 220,700 $13.73 33% 4% Waiters and Waitresses 209,340 $9.31 3% 7% Secretaries and Admin Assistants 173,050 $14.73 21% 17% Registered Nurses 168,870 $29.87 14% 9% Office Clerks, General 155,040 $12.48 -18% 14% Laborers and Movers, Hand 129,670 $11.03 1% 12% Stock Clerks and Order Fillers 123,120 $10.98 -22% 17% Janitors and Cleaners 112,290 $9.99 -2% 8% Cooks, Restaurant 96,010 $11.68 37% 10% Sales Representatives 91,910 $22.80 -6% 2% Bookkeeping and Auditing Clerks 91,670 $16.69 -22% 15% First-Line Supervisors of Office and Admin Workers 90,560 $23.87 21% 17% Nursing Assistants 88,110 $11.43 -1% 5% First-Line Supervisors of Retail Sales Workers 86,680 $19.10 0% 0% Security Guards 82,860 $10.43 7% 5% Maids and Housekeeping Cleaners 80,960 $9.46 12% 12% Maintenance and Repair Workers 80,190 $15.29 3% 12%

Source: Bureau of Labor Statistics, Occupational Employment Statistics (OES) Wage Survey – All Industries Combined, 2007 and 2015

Small Businesses Small businesses – firms employing fewer than 500 employees – employed 44 percent of the private sector workforce in 2013 in Florida (latest data available). Firms employing less than 20 people employed the largest share. Small businesses, and their employees, experienced the largest shifts during the Great Recession, a trend that continued through 2015. For example, in the second quarter of 2014, 18,673 ventures started up in Florida and 16,293 exited (meaning they closed, moved to another state, or merged with another company). Startups generated 75,015 new jobs while exits caused 68,247 job losses. Small businesses are more vulnerable to changes in demand, price of materials, and transportation, as well as to cyber attacks and natural disasters. Many small businesses have fewer resources to pay their employees, and even fewer to maintain employees in lean times (U.S. Small Business Administration, 2016; Florida SBDC and University of West Florida Center for Research and Economic Opportunity, 2015).

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 33 Some sectors are more heavily reliant on small businesses, such as construction (88 percent of employees worked in small businesses in 2013) and other services such as food and cleaning (81 percent), while other sectors are much less so, such as administrative support (19 percent) (Figure 26 shows 2013 figures, the latest data available). For many small businesses, there is a dual challenge when ALICE is both the employee and the customer, such as child care, where more than 90 percent of operators are sole proprietors (included as part of Educational Services in Figure 26). On the one hand, child care workers are ALICE; there were 7,664 small child care businesses in Florida in 2015 and 33,860 child care workers, who earned an average wage of $9.53 per hour ($19,060 annually if full time). On the other hand, ALICE families use child care so they can work, but it can be the most expensive item in ALICE’s budget – even more than housing. The conundrum is that if small businesses increase wages of their employees, those expenses are passed on to customers, who themselves are ALICE. These ALICE workers will earn more money, but child care will become more expensive for them (U.S. Small Business Administration, 2016; SBDCNet, 2014; Florida SBDC and University of West Florida Center for Research and Economic Opportunity, 2015).

Figure 26. Small Business Employment by Sector, Florida, 2013

Small Business Employment by Sector, Florida, 2013

SMALL BUSINESS SMALL BUSINESS TOTAL PRIVATE EMPLOYMENT SHARE EMPLOYMENT EMPLOYMENT Construction 88% 308,407 271,423 Other Services 81% 300,906 244,604 Agriculture, Forestry, Fishing 78% 9,182 7,118 Professional, Scientific, and Tech Services 68% 444,688 304,220 Wholesale Trade 63% 299,427 188,149 Real Estate and Rental and Leasing 63% 149,440 93,433 Manufacturing 53% 281,852 149,610 Arts, Entertainment, and Recreation 52% 178,157 92,009 Educational Services 52% 156,060 80,435 Accommodation and Food Services 51% 832,085 427,739 Health Care and Social Assistance 45% 1,010,544 454,690 Mining and Oil and Gas Extraction 37% 4,185 1,563 Transportation and Warehousing 35% 209,498 72,772 Finance and Insurance 31% 338,792 103,461 Retail Trade 29% 985,663 288,998 Utilities 24% 27,579 6,598 Information 23% 155,169 34,855 Administrative Support 19% 1,307,729 245,474 Total 44% 6,999,363 3,067,151

Source: U.S. Small Business Administration, 2016

34 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY SHIFTING TOWARDS THE “GIG ECONOMY” NEW ECONOMY TERMS

Gig – also referred to as contract or freelance work – one-time project and compensation

Contingent – work arrangements without traditional employers or regular, full-time schedules

On-demand – also referred to as on-call – work with schedule variability according to customer activity

Shadow economy – also referred to as the grey or underground economy – unreported activity and income from the production of legal goods and services

The nature of work is changing dramatically in Florida and across the country, and these changes impact ALICE workers disproportionately. The most significant change is that low-wage jobs, especially those in the service sector, are increasingly shifting away from traditional full-time employment with benefits towards part-time, on-demand, or contingent employment with fluctuating hours and few benefits.At the same time, workers are replacing or supplementing their traditional jobs with a new gig-to-gig, project-to-project work life. Freelance and contingent (on-call) labor has more than doubled its share of the national labor force over the last 20 years, from 7 percent in 1993 to 15 percent in 2015, and is expected to grow to nearly 20 percent by 2020 (Intuit, 2010; Economist Intelligence Unit, 2014; Manyika, et al., 2016).

These positions may help ALICE households who need to fill short-term gaps in standard employment, and may provide more lucrative opportunities than exist in the traditional employment market. Companies have also come to value the new hiring model since it provides flexibility to scale up or down on demand, and often can be cheaper than hiring a part-time or full-time employee on staff when considering health insurance and other benefits (Boudreau, 2015). The non-traditional nature of this work is not captured in the American Community Survey, which only asks about number of weeks and hours worked, not number of jobs or quality of relationships with the employers. In fact, the American Community Survey statistics show a decline in part- time work and self-employment (Figure 27), whereas recent national surveys focusing on changes in the labor market report an increase in part-time work and self-employment (U.S. Census Bureau, 2010, 2015; American Community Survey, 2007, 2010, 2012, and 2015; Boudreau, 2015; Fehr, 2017).

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 35 Figure 27. Work Status, Florida, 2007 to 2015 ) 14,000 12,697 12,278 11,592 12,057 12,000 28% 29 % 10,000 22 % 29% Did not Work 8,000

Years (in thousands 24% 30 % 26% 26 % Part-Time 6,000 Full-Time

4,000 48% 48 % 45% 45 % 2,000

0 Population Aged 16-64 2007 2010 2012 2015

Source: American Community Survey, 2007-2015

Likewise, declining unemployment rates do not account for the changing numbers of underemployed workers – defined as those who are employed part time (either in the traditional or gig economy), those who have accepted a lower income than they had in the past, or those who have stopped looking for work but would like to work. For example, Florida’s unemployment rate was 5.4 percent in 2015, but the underemployment rate was 11.5 percent (Bureau of Labor Statistics (BLS), 2015).

While information specific to Florida was not available, two national surveys provide greater insight on the growing prevalence of alternative work arrangements in primary and supplementary jobs. Nationally, the percentage of workers employed as temporary help agency workers, on-call workers, contract workers, independent contractors, or freelancers as their main job rose from 10.1 percent in 2005 to 15.8 percent in 2015, according to the RAND-Princeton Contingent Worker Survey (RPCWS) (Katz & Krueger, 2016).

By a broader measure, one-third of all workers in the U.S. have had supplemental, temporary, or contract- based work in addition to their main job in the past 12 months, according to an independent survey by Freelancers Union and Elance-oDesk. These findings are supported by IRS data showing a steady increase in nonemployee compensation (1099 form), sole proprietorship businesses, and self-employment. Because low-wage jobs continue to dominate the employment landscape, income earned through alternative and supplemental employment is increasingly critical for many ALICE families (Abraham, Haltiwanger, Sandusky, & Spletzer, 2016; Katz & Krueger, 2016; Freelancers Union & Elance-oDesk; Wald, 2014).

The characteristics and experiences of non-traditional, contingent workers differ from those of standard, full-time workers in a number of ways. The U.S. Government Accountability Office’s report on the contingent workforce found that core contingent workers are less likely to have a high school degree and more likely to have low family income. They are more likely to experience job instability, have worker-safety issues, and feel less satisfied with their benefits and employment arrangements than standard full-time workers. In addition, contingent work tends to yield lower earnings with fewer benefits (such as retirement plans and health insurance), which results in greater reliance on public assistance (U.S. Government Accountability Office (U.S. GAO), 2015).

36 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY FLORIDA’S ECONOMY AND LOCAL CONDITIONS In addition to shifting labor market conditions, the financial stability ofALICE households depends on local conditions. The Economic Viability Dashboard is composed of three indices that evaluate the local economic conditions that matter most to ALICE households – the Housing Affordability Index, the Job Opportunities Index, and the Community Resources Index. Index scores range from 1 to 100, with higher scores reflecting better conditions. Each county’s score is relative to other counties in Florida and compared to prior years. A score of 100 does not necessarily mean that conditions are very good; it means that they are better than scores in other counties in the state. These indices are used only for comparison within the state, not for comparison to other states.

The change in statewide Dashboard scores from 2007 to 2015 provides a picture of the Great Recession and the uneven recovery in Florida (Figure 28). Between 2007 and 2010, scores for Housing Affordability were relatively stable; Job Opportunities fell by 19 percent, and Community Resources rose by 35 percent. In the five years since the recession ended in 2010, conditions fluctuated before rebounding in 2015; HousingAffordability surpassed 2007 levels, Job Opportunities improved by 19 percent but have not returned to their 2007 level, and Community Resources were 47 percent higher than 2007.

Figure 28. Economic Viability Dashboard, Florida, 2007 to 2015 e

2007

2010 Index Scor 62 59 63 2012 56 55 48 50 50 50 50 43 37 2015 Average

Housing Affordability Job OpportunitiesCommunity Resources

Source: American Community Survey, 2010 and 2015; Bureau of Labor Statistics (BLS), 2010 and 2015; U.S. Department of Housing and Urban Development (HUD), 2010 and 2015

Housing Affordability, which includes measures on the affordable housing stock, housing burden, and real estate taxes, showed significant improvement from 2007 to 2015. Despite a dip in 2012, the index surpassed its 2007 level in 2015 by 17 percent. This improvement fits with statewide reports on the housing industry (O’Connor, 2016). However, the statewide improvement also masked varying conditions across the state. The Housing Affordability Index improved from 2010 to 2015 in most counties. In Figure 29, higher scores shifted these counties from darker blues (worse conditions) in 2010 to lighter blues (better conditions) in 2015. At the same time, affordability fell in several counties, notably Bradford, Jackson, Nassau, and Columbia counties, which had affordability scores fall more than 20 percent.

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 37 For the 2007 to 2015 time period, Monroe and St. Johns counties had the largest drops in Housing Affordability, falling by more than 37 percent. Housing stock in Monroe County continues to face increasing pressure from tourism and resort communities. St. Johns County has a small stock of affordable housing, which cannot keep pace with a growing population and changing job opportunities (Florida Housing Coalition, 2015; Florida Department of Economic Opportunity, 2015; American Community Survey, 2007, 2010, 2012, and 2015).

Part of the reason housing became more affordable in Florida is because the housing bubble burst. Florida had one of the highest rates of foreclosure in the country. This left many neighborhoods with empty and unkempt houses that brought down value for the whole community. Foreclosures are still occurring but at a lower rate; the rate in Florida is 0.10 percent, compared to 0.06 percent nationally in 2015. The highest rates of foreclosure in the state – rates more than 0.20 percent are in Hernando and Hendry counties (RealtyTrac, 2016; O’Connor, 2016).

Figure 29. Housing Affordability Index, Florida, 2010 to 2015

2010 2015

Jacksonville Jacksonville Tallahassee Tallahassee

Tampa Tampa

Miami Miami

Index (1 = Worse; 100 = Better) 182

Source: American Community Survey; 2010-2015; Bureau of Labor Statistics (BLS), 2010-2015; U.S. Department of Housing and Urban Development (HUD), 2010-2015

Drilling down into housing affordability in Florida, analysis of the housing stock in each county reveals that the available rental units do not match current needs. According to housing and income data that roughly aligns with the ALICE dataset, there are more than 1.6 million renters with income below the ALICE Threshold, yet there are approximately 1.1 million rental units – subsidized and market-rate – that these households can afford without being housing-burdened, which is defined as spending more than one-third of income on housing (Figure 30). Therefore, Florida would need at least 527,000 additional lower-cost rental units to meet the demand of renters below the ALICE Threshold. This estimate assumes that all ALICE and poverty-level households are currently

38 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY living in rental units they can afford. The data on housing burden, in fact, shows that many are not, in which case the assessment of need for low-cost rental units is a low estimate, and is more likely closer to 675,000 units (American Community Survey, 2015; U.S. Department of Housing and Urban Development (HUD), 2015).

Subsidized housing units are an important source of affordable housing for poverty-level households and some ALICE families. Of the 1.1 million rental units that households with income below the ALICE Threshold can afford across the state, approximately 18 percent are subsidized: Florida’s affordable rental housing programs reached 195,737 households across the state in 2015 (U.S. Department of Housing and Urban Development (HUD), 2015).

Figure 30. Renters Below the ALICE Threshold vs. Rental Stock, Florida, 2015

3,000 2.7 Millio n The Gap Between ) 2,500 Renters Below the

ALICE Threshold and Affordable 2,000 1.6 Million- Units is 527,000 1.6 Million All Other Rental Units 1,500

1,000 906,200-Market Rate Affordable

Rental Units (in thousands 500

195,737-Subsidized 0 Renters Below Rental Units ALICE Threshold

Source: American Community Survey, 2015, U.S. Department of Housing and Urban Development (HUD), 2015, and the ALICE Threshold, 2015

Job Opportunities Index scores reflect more than the number of jobs, but also wages and distribution of income. The Index score fell dramatically across Florida counties during the Great Recession and remained low through 2012. The rebound from 2012 to 2015 has been pronounced, but has not quite reached 2007 levels in all Florida counties. In the post-Recession era, from 2010 to 2015, all but 13 counties experienced some improvement in job opportunities. Liberty County had the greatest improvement, increasing by 93 percent, followed by Martin, Flagler, Indian River, Walton, Taylor, and Escambia counties, which all had an increase of more than 50 percent.

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 39 Several counties still face tough job conditions. Four counties had scores that dropped by at least 20 percent since 2007: Bradford, Jackson, Nassau, and Columbia counties. At the same time, Job Opportunity Index scores improved by more than 20 percent in Sarasota, Alachua, and Escambia counties. In general, the best job opportunities remain in central Florida and the top of the Panhandle (Figure 31).

Figure 31. Jobs Opportunities Index, Florida, 2010 to 2015

2010 2015

Jacksonville Jacksonville Tallahassee Tallahassee

Tampa Tampa

Miami Miami

Index (1 = Worse; 100 = Better) 30 74

Source: American Community Survey; Bureau of Labor Statistics (BLS), 2010-2015; U.S. Department of Housing and Urban Development (HUD) 2010-2015

Improvement in Community Resources was driven primarily by the increased rate of those with health insurance. The spike in the index in 2012 was due to voting, which is an indicator of social capital, or how invested people are in their community. Voting was higher during the 2012 presidential election. See Exhibit V for county scores.

40 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY ECONOMIC VIABILITY DASHBOARD The Housing Affordability Index

Key Indicators: Affordable Housing Gap + Housing Burden + Real Estate Taxes

The more affordable a county, the easier it is for a household to be financially stable. The three key indicators for the Housing Affordability Index are the affordable housing gap, the housing burden, and real estate taxes.

The Job Opportunities Index

Key Indicators: Income Distribution+Unemployment Rate+New Hire Wages

The more job opportunities there are in a county, the more likely a household is to be financially stable. The three key indicators for the Job Opportunities Index are income distribution as measured by the share of income for the lowest two quintiles, the unemployment rate, and the average wage for new hires.

The Community Resources Index

Key Indicators: Education Resources+Health Resources+Social Capital

Collective resources in a location can make a difference in the financial stability of ALICE households. The three key indicators for the Community Resources Index are the percent of 3- and 4-year-olds enrolled in preschool, health insurance coverage rate, and the percent of the adult population who voted.

Refer to the Methodology Exhibit for more information

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 41 CONCLUSION: WHAT CHALLENGES LIE AHEAD?

While ALICE families differ in their composition, challenges, and level of need, there are three broad trends that will impact the conditions these households face in the next decade and their opportunities to change their financial status. These trends will also have significant implications for local communities and the state as a whole. These are:

1. Population Changes – Migration and an Aging Population 2. Jobs – Technology and Future Prospects 3. Education and Income Gap POPULATION CHANGES Migration has been the primary source of Florida’s high population growth since at least the 1970s, and despite having a reputation of attracting retirees, Florida has become home to people of all ages. Population growth rates slowed during the Great Recession, especially migration from other states, but it has picked up again since 2010. More than 85 percent of Florida’s total population growth since 2010 was due to migration with domestic migration accounting for just over half (Wang & Rayer, 2016; Florida Department of Transportation, 2014).

When migration is broken down by age group, it is clear that Florida is a destination for more than retirees. The largest movement of people into the state in 2015 was by those under 18 years old, with more than 234,000 moving to Florida (Figure 32). As minors, most came with their families, paralleling the inflows of 20-, 30-, and 40-somethings.

The largest movement in and out of the state was among those aged 18 to 24, with more than 228,000 moving in to the state and 205,000 moving out. Without this net positive migration, the decline in households headed by someone under 25 would be even larger. Many of those moving were college students. In fact, 27,301 students moved to Florida to enroll in undergraduate programs, while 17,719 went to colleges in another state (American Community Survey, 2007, 2010, 2012, and 2015; U.S. Census Bureau, 2010, 2015; National Center for Education Statistics (NCES), 2014; Wang & Rayer, 2016; Florida Department of Transportation, 2014).

At all ages, there is a net gain, which among adults steadily increases with age, reaching 86,137 for those ages 65 and older (U.S. Census Bureau, 2010, 2015; American Community Survey, 2014).

Foreign migration accounted for more than 10 percent of inflows in each age group. Foreign immigrants accounted for 17 percent of those under 18 years old and 11 percent of college age students (American Community Survey, 2014).

42 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Figure 32. Population Inflows and Outflows, Florida, 2015

300,000 250,000 200,000 150,000

100,000 74,119 86,137 50,000 49,487 24,173 30,193 44,028 43,733 0

Population (50,000) (100,000) (150,000) (200,000)

(250,000) Under 18 18 to 24 Mid 20s 30s 40s Mid-Career Retired Years 65+

Outflow Inflow - Domestic Inflow - Foreign Net Migration

Source: American Community Survey, 2015

What Shifting Demographics Means for the Community When unemployment rates are low, a large college-age population is a potential engine for a state’s future economic growth. Florida’s challenge is to have job opportunities and affordable living available to these young residents. Debt for unemployed or underemployed college graduates can cause them to remain below the ALICE Threshold. Florida’s college loan default rate was 14.1 percent, considerably higher than the national rate of 11.3 percent in 2013 (U.S. Department of Education, 2013)

The high cost of living combined with college debt has made it difficult for young workers in Florida.This is reflected in the decline in the number of households headed by someone under 25 years old in Florida, and in the high rate of poverty and ALICE among young people living alone. Recent graduates and young workers are choosing to move in with their parents or roommates, and delaying buying a home and starting a family on their own. With fewer young people choosing to strike out on their own, not only has the housing construction sector suffered, but there has also been a reduction in furniture and appliance manufacturing and other indirect effects for retail and utilities (Keely, van Ark, Levanon, & Burbank, May 2012; American Community Survey, 2007, 2010, 2012, and 2015; U.S. Department of Education, 2013).

Foreign-born Residents International migration plays an increasing role in Florida’s racial and ethnic composition. The foreign-born population represented 20 percent of the state total in 2015, up from 16.7 percent in 2000. The light blue portion of the inflow bars in Figure 32 represents the number of people moving to Florida from outside the U.S. Almost four million foreign-born residents live in Florida, with many settling in Florida’s largest counties: Orange, Broward, Palm Beach, and Miami-Dade. More than half (54 percent) have become citizens, 5 percent are undocumented, and 41 percent are legal permanent residents. Current immigrants in Florida came from Latin America (75 percent), followed by Asia (11 percent), but they also hail from Africa, Europe, and the Middle East (Migration Policy Institute, 2014; American Community Survey, 2014; Wang & Rayer, 2016; Florida Department of Transportation, 2014; American Immigration Council, 2015).

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 43 Immigrants vary widely in language, education, age, and skills – as well as in their financial stability. Among adults ages 25 and older, 22 percent of Florida’s foreign-born population has less than a high school education, compared to 12 percent of the native population. However, a higher percentage of the foreign-born population has a graduate or professional degree (10 percent) compared to the native-born population (7 percent). As a result, there are many well-educated and financially successful immigrants in Florida.Yet, there are also other immigrant families with distinct challenges that make them more likely to be unemployed or in struggling ALICE households. These challenges include low levels of education, minimal English proficiency, and lack of access to support services if their citizenship status is undocumented (American Community Survey, 2014; Chirillo, Anderson, & Hess, 2016; Aspen Institute, 2013).

As both workers and entrepreneurs, immigrants are an important source of economic growth in Florida, making up 24.5 percent of the state’s workforce (2.3 million workers) in 2013. Across the state, Latino- and Asian-owned businesses contributed to the economy through sales revenue, and employed more than 400,000 people in 2007 (latest data available). And the state’s Asians and Latinos also contribute to the economy as consumers, according to the U.S. Census Bureau (U.S. Census Bureau, 2012; Migration Policy Institute, 2014; Gardner, Johnson, & Wiehe, April 2015; Perryman Group, 2008; U.S. Chamber of Commerce, 2013).

Implications of Undocumented Workers for the Community Not only do immigrants run businesses and pay taxes, they facilitate growth in the economy. They contribute to a range of fields from engineering to science to the service sector and are more likely to start their own business. In addition, the availability of low-skilled immigrant workers, such as child care providers and house cleaners, has enabled higher-income American women to work more and to pursue careers while having children (Furman & Gray, 2012).

Though undocumented workers make up a small part of the overall immigrant population, their costs and benefits to Florida’s economy are being hotly debated. On the one hand, they contribute to economic growth and the tax base. The Perryman Group estimates that if all undocumented immigrants were removed from the state, Florida would lose billions in economic activity, approximately 750,000 jobs, and according to the Institute for Taxation and Economic Policy, millions in state and local taxes. According to the U.S. Chamber of Commerce, removing undocumented workers would not lead to the same number of job openings for unemployed Americans, because undocumented workers have a different set of skills that complement rather than replicate the U.S. workforce (Perryman Group, 2008; U.S. Chamber of Commerce, 2013).

On the other hand, undocumented workers use community resources, though they use a lot fewer resources than legal residents because they are often not eligible for assistance. In Florida, state and local governments provide services for undocumented residents including schooling for K-12 children of undocumented residents and medical care (Gardner, Johnson, & Wiehe, April 2015; Martin & Ruark, 2010; National Academies of Sciences, Engineering, and Medicine, 2016).

Exacerbating this issue is the fact that foreign born, and especially undocumented workers, are often underpaid and are among the most likely to live in poverty and ALICE households. Often without access to any government safety net, they can be more likely to need emergency services in a crisis. While there continues to be high demand for foreign born workers in Florida, especially those who are bilingual, job opportunities and wages need to be sufficient in order to continue to attract these workers and prevent them from beingALICE (Pew Charitable Trusts, 2014; Camarota, 2015; Pereira, et al., 2012).

An Aging Population By 2030, when all baby boomers are 65 or older, the senior share of the population is projected to increase in nearly every country in the world. Because this shift will tend to lower labor force participation and reduce the amount of money people put towards savings, there are well-founded concerns about a potential slowing in future economic growth (Bloom, Canning, & Fink, 2011).

44 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY The proportion of Florida’s population that is 65 and above was projected to grow from 18 percent in 2010 to 27 percent by 2030, a 177 percent increase (Figure 33). Florida’s population is significantly older than the national average with a median age of 41.6 years old compared to the nation’s 37.6 in 2014. In contrast, demographers predict that the population of all other age groups will increase by 10 percent or less in Florida (U.S. Census Bureau, 2005; Florida Demographic Estimating Conference and the University of Florida, Bureau of Economic and Business Research, 2015; Florida Department of Transportation, 2014; American Community Survey, 2014).

Figure 33. Population Projection, Florida, 2010 to 2030

35,000 ) 30,000

25,000 27% 65 and Older 20,000 18-64 15,000 18% 53% 17 and Under 10,000 59% 5,000 Population (in thousands 23% 20% 0 2010 Actual 2030 Projected

Source: U.S. Census, 2005

As five million Florida residents will age into retirement over the next 20 years, this demographic shift has implications for the financial stability of these households as well as for the economic stability of the state. In Florida, and nationally, these trends will likely produce increases in the number of ALICE households. Since the start of the Great Recession, retirement plan participation decreased for all families and has continued to do so for families in the bottom half of the income distribution. For upper-middle income families, participation rebounded slightly from 2010 to 2015, but did not return to 2007 levels (Bricker, et al., 2014; Florida Demographic Estimating Conference and the University of Florida, Bureau of Economic and Business Research, 2015).

Florida has the lowest rate of residents planning for retirement with only 46 percent of workers participating in an employer-sponsored retirement plan, the lowest in the country, and below the national average of 49 percent. Rates also vary across metropolitan areas within Florida. One of the lowest rates is in Fort Myers- Cape Coral, with 33 percent and Miami-Fort Lauderdale-Miami Beach, with 38 percent (The Pew Charitable Trusts, 2016; The Pew Charitable Trusts, May 2016).

However, those on the brink of retirement are finding that they cannot afford to fully leave the workforce. Nationally, the large numbers of post-WW II baby boomers (those aged 55 and over) are expected to make up a larger share of the labor force in the next decade. The over 55 age group has steadily increased its share of the labor force from 11.8 percent in 1992 to 14.3 percent in 2002 to 20.9 percent in 2012, and is projected to increase to 25.6 percent by 2022. In Florida, almost half (48 percent) of the over 65 population were in the workforce in 2011 (Bricker, et al., 2014; AARP, 2012; Bureau of Labor Statistics (BLS), 2014; Institute for Women’s Policy Research, 2016).

More of the ALICE seniors will be women because they are likely to live longer than their generation of men, and have fewer resources on which to draw. Generally, women have worked less and earned less than men, and therefore have lower or no pensions and lower Social Security retirement benefits. Since women tend to live longer than men, they are more likely to be single and depend on one income in their old age. In Florida in 2015, there were 18 percent more women 65 or older than men of the same age, but 38 percent more in poverty (Waid, 2013; Hounsell, 2008; American Community Survey, 2007, 2010, 2012, and 2015; Brown, Rhee,

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 45 Saad-Lessler, & Oakley, March 2016). Broader Consequences of an Aging Population The aging of the population in Florida presents new challenges. First, there will be greater pressure on the state’s infrastructure, especially the housing market for smaller, affordable rental units. These units need to be near family, health care, and other services. Likewise, transportation services need to be expanded for older adults who cannot drive, especially those in rural areas. Unless changes are made to Florida’s housing stock, the current shortage will increase, pushing up prices for low-cost units and making it harder for ALICE households of all ages to find and afford basic housing. In addition, homeowners trying to downsize may have difficulty selling their homes at the prices they had estimated in better times, a source of income they were relying on to support their retirement plans (U.S. Department of Transportation, 2015). As a result of the financial hardships of home ownership for seniors, increasing numbers are actually living together, in rented and owned homes, to maintain independence while minimizing the economic burden (Abrahms, 2013).

The aging population will increase demand for geriatric health services, including assisted living and nursing facilities and home health care. Along with the traditional increase in physical health problems, low-income seniors in Florida are more likely to face mental health issues. According to American’s Health Rankings, seniors in Florida with income below $25,000 average 6.1 poor mental health days in the last month compared to 2 days for those with income above $75,000. Seniors reporting mental distress are also more likely to report poor or fair physical health (United Health Foundation, 2016; Substance Abuse and Mental Health Services Administration in partnership with the U.S. Administration on Aging, 2012).

Without sufficient savings, many families will not be able to afford the health care they need. A collaborative project of AARP, the Commonwealth Fund, and The Scan Foundation suggests that the state is ill-prepared. The Long-Term Services and Support Scorecard ranks Florida 43rd among all states in its long-term support and services for older adults in terms of affordability, access, and quality of life (Reinhard, et al., 2014).

Shifting demographics also have implications for caring for the growing number of seniors. The Caregiver Support Ratio, the number of potential caregivers aged 45 to 64 for each person aged 80 and older, was 5.5 in 2010, and is projected to fall to 2.9 by 2030. In fact, The Long-Term Services and Support Scorecard ranked Florida 40th in its support for family caregivers (Reinhard, et al., 2014; AARP Public Policy Institute, 2015; Redfoot, Feinberg, & Houser, 2013).

A number of additional consequences are emerging, ranging from job implications to elder abuse. With the increased demand for caregivers, there is a growing need for more paid health aides, who are themselves likely to be ALICE. Nursing assistants, one of the fastest growing jobs in Florida, are paid $11.72 per hour, and require reliable transportation, which can consume a significant portion of the worker’s wage. There are similar challenges for home health aides and personal care aides. These jobs do not require much training, are not well regulated, and yet involve substantial responsibility for the health of vulnerable clients. Together these factors may lead to poor quality caregiving. There are significant downsides to poor quality caregiving, including abuse and neglect – physical, mental and financial – an issue that is on the rise in Florida and across the country (MetLife Mature Market Institute, June 2011; U.S. Bureau of Justice Statistics, 2015).

JOBS – TECHNOLOGY AND THE FUTURE More than any other factor, jobs define ALICE. The outlook for new jobs shows that they will be dominated by low-wage jobs that will require no work experience and minimal education. According to the Bureau of Labor Statistics 2015 to 2023 job projections for Florida, 82 percent of new jobs will pay less than $15 per hour, and only 3 percent will require any work experience. In terms of education, 29 percent of new jobs will not require a high school diploma, 37 percent will require only a high school diploma, while 31 percent will require an associate or postsecondary degree, and only 3 percent will require a bachelor’s degree (Figure 34) (Florida Department of Economic Opportunity, 2016).

46 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Figure 34. New Growth by Occupation, Florida, 2015 to 2023

2015 ANNUAL NEW HOURLY EDUCATION WORK OCCUPATION EMPLOYMENT GROWTH WAGE OR TRAINING EXPERIENCE

High school Retail Salespersons 331,438 123,284 11.81 None diploma High school Cashiers 210,410 97,267 9.34 None diploma Less than high Waiters and Waitresses 193,583 100,784 10.03 None school Customer Service Postsecondary 190,248 66,525 14.21 None Representatives adult vocational Food Prep, Including Less than high 183,508 65,794 8.87 None Fast Food school Registered Nurses 169,380 56,799 30.28 Associate degree None Postsecondary Secretaries 163,703 28,974 14.9 None adult vocational High school Office Clerks, General 147,743 41,935 13.22 None diploma Less than high Janitors and Cleaners 121,214 29,113 10.36 None school Stock Clerks and Order High school 117,509 26,423 11.46 None Fillers diploma First-Line Supervisors of Postsecondary Less than 5 117,222 29,279 20.46 Retail Sales Workers adult vocational years Laborers and Movers, Less than high 108,118 38,438 12.17 None Hand school Landscaping and Less than high 96,958 31,207 11.26 None Groundskeeping school Postsecondary Sales Representatives 92,964 28,160 28.47 None adult vocational Postsecondary Nursing Assistants 88,258 26,829 11.72 None adult vocational Postsecondary Cooks, Restaurant 87,226 25,416 11.52 None adult vocational Bachelor’s Accountants and Auditors 84,311 26,377 32.27 None degree First-Line Supervisors of Administrative Support 81,107 26,962 24.45 Associate degree None Workers Receptionists and High school 77,264 34,178 12.72 None Information Clerks diploma Sales Representatives, High School 68,533 24,935 26.55 None Services diploma

Source: Florida Department of Economic Opportunity, 2016

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 47 Jobs and Technology With Florida’s High Tech Corridor, the state’s innovation economy has grown substantially over the past five years; in 2015, it was ranked the 4th highest state for technology jobs in the country. In addition, technology is changing the nature of work in most sectors and will likely have a large impact on the future of both low-wage and high- wage jobs across industries (CBRE Research, 2015; Comptia, 2016; florida.High.Tech, 2016; Parrish, 2016).

While technology has been changing jobs for centuries as businesses weigh the costs of capital versus wages, the latest wave comes as technology has decreased the costs of automation of manufacturing and many services. Wendy’s, for example, recently announced plans to replace front-line staff with computer kiosks. Figure 35 shows the likelihood that Florida’s top 20 occupations will be replaced by technology over the next two decades. While some of the changes are likely to be positive and offer new opportunities, there are many new risks associated that will negatively impact ALICE workers (Frey & Osborne, September 2013).

Figure 35. Employment by Occupation and Impact of Technology, Florida, 2015

400,000 98% 100%

90% 350,000 84% 80% 300,000 70% 250,000 55% 60% 200,000 50% of Computerization 40% 150,000 30% 100,000 Number of People Employed

20% Probability 50,000 10%

0 0% d

Cashiers

Security Guards

RegisteredOffice Nurses Supervisors Retail Supervisors Cooks, Restaurant Janitors & Cleaners Retail Salespersons Waiters & Waitresses Sales Representatives Office Clerks, General Customer Service Reps

Receptionist & Info Clerks Stock Clerks & Order Fillers Laborers and Movers, Han

Maintenance & Repair Workers Food Prep, Including Fast Food Secretaries & Admin AssistantsBookkeeping & Auditing Clerks Maids & Housekeeping Cleaners

Employment Probability Job Will be Replaced by Computers

Source: Bureau of Labor Statistics (BLS), OES wages, 2015, and Frey and Osborne, 2013

48 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY New jobs: Technology has created new opportunities in types as well as the availability of jobs. Most commonly, technology is changing the scope of jobs. For example, Wish Farms in Plant City is investing in robots that can pick berries, meaning fewer employees will be needed for harvesting, but the company will need engineers to program and oversee the machines. Technology is also creating new services, and has ushered in a “gig” economy, creating new jobs such as TaskRabbit workers and Uber drivers. Gig positions may help ALICE households fill short-term gaps in standard employment and may be more lucrative than jobs in the traditional employment market (Knight, 2012; Price, 2016; David, 2016; Manyika, et al., 2016; Smith, 2016).

Cost of changing jobs: When technology eliminates jobs, even if new jobs are created, there is disruption for those losing their jobs and they incur costs associated with unemployment, moving, and retraining. The cost of changing jobs will affect millions of U.S. workers, as more than 60 percent of jobs have a higher than 50 percent chance of being replaced by technology by 2020. Low-wage workers, especially those with lower levels of education, and older workers, especially women, are among those most at-risk of not benefiting from new technology-based jobs. For example, a hard- working cashier does not necessarily have the skills to repair digital checkout kiosks. The jobs that remain will be service jobs that cannot be automated and are often low paying, such as health aides, janitors, sales representatives, and movers (Brynjolfsson & McAfee, 2014; Frey & Osborne, September 2013; Monge-Naranjo, 2015; Mitchell, 2013).

Risks to job security: A contingent workforce provides flexibility for companies to scale up or down on demand, but it subjects workers to unexpected gains or losses in work hours, making it difficult for ALICE households to pay bills regularly or to make long-term financial plans, especially qualifying for a mortgage. In the gig economy, there are no benefits, such as health insurance and retirement plans. This increases costs to ALICE families and makes them more vulnerable should they have a health crisis or have to retire early. In addition, unpredictable wages can put employer or government benefits that are tied to work hours in jeopardy, including paid and unpaid time off, health insurance, unemployment insurance, public assistance, and work supports. For example, low-wage workers are 2.5 times more likely to be out of work than other workers, but only half as likely to receive unemployment insurance (Garfield, Damico, Stephens, & Rouhani, 2015; atson,W Frohlich, & Johnston, 2014; U.S. Government Accountability Office (U.S. GAO), 2007).

Fewer standard workplace protections: Independent contractors lack other standard workplace protections such as protection against discrimination (age, gender, and race). And they do not have recourse under the Fair Labor Standards Act (FLSA), which mandates that eligible workers be compensated for hours worked in excess of 40 hours per workweek, or the Family and Medical Leave Act (FMLA), which entitles eligible workers to unpaid, job-protected leave depending on their work history with a company. Without workforce protections, ALICE workers are vulnerable to exploitation, legal bills, and poor working conditions (Donovan, Bradley, & Shimabukuro, 2016).

The impact of technology on education: Technology – and increasingly affordable technology – will enable more online education options and could change the recent trajectory of poor returns on education. However, these options are less available to those without access to the Internet, such as low-income individuals and those in rural areas. Colleges are embracing online courses for matriculated students and Massive Open Online Courses (MOOCs) for the wider community. These can lower the cost of education and enable many more avenues to gain and update skills. However, technology also makes it easier to create fraudulent educational organizations and to cheat unsuspecting students. For-profit colleges nationwide enroll about 11 percent of all higher education students but account for nearly 50 percent of all loan defaults. The U.S. Government Accountability Office (U.S. GAO) and several state attorneys general are investigating numerous fraudulent educational practices and money-making education schemes (State Attorneys General, 2014; U.S. Government Accountability Office (U.S. GAO), September 21, 2009; U.S. Government Accountability Office (U.S. GAO), October 7, 2010; U.S. Government Accountability Office (U.S. GAO), August 4, 2010; Cohen, 2015; Minnesota Attorney General’s Office, 2016; United States Senate Health, Education, Labor and Pensions Committee, July 30, 2012; Carlson & Gross, 2016).

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 49 According to the Florida Chamber of Commerce, four out of five new jobs in Florida will be created by small businesses, and many of those will be innovation-based businesses. While these present some opportunities for ALICE workers with the right skills, small businesses are also more unpredictable employers (as discussed earlier). Innovation has the potential to change the jobs landscape, but the timing and the extent depend on a host of economic factors, and the implications for ALICE families are not yet clear (Teague, 2014; Florida SBDC and University of West Florida Center for Research and Economic Opportunity, 2015).

EDUCATION AND INCOME GAP There are many compounding factors to being ALICE or in poverty. Being a racial or ethnic minority, an unskilled recent immigrant, language-isolated, or being an undocumented worker makes a household more likely to be ALICE. Likewise, as discussed in the full United Way ALICE Report published in 2014, having a female-headed household, having a low level of education, living with a disability, or having a household headed by a transgender individual predisposes a household to being ALICE. Groups with more than one of these factors – younger combat veterans or ex-offenders, for example, who may have both a disability and a low level of education – are even more likely to fall below the ALICE Threshold.

The Education Gap The education gap among racial and ethnic groups is showing some signs of improvement, suggesting that some structural changes are occurring in Florida. In K-12 education, the Education Equality Index (EEI) shows that the achievement gap – the disparity in educational measures between socioeconomic and racial or ethnic groups – in Florida narrowed between 2011 and 2014. The achievement gap for students from low-income families and families of color in Florida is smaller than the national average, with Florida ranking 2nd out of 35 states for which data is available. Of Florida’s six cities with large populations of color (Hialeah, Jacksonville, Miami, Orlando, St. Petersburg, and Tampa), all but St. Petersburg scored above the national average (Education Equality Index, 2016; Office of the Governor, 2014).

The education gap impacts graduation rates and college performance. Among teenagers, 65 percent of Black students, 75 percent of Hispanic students, and 68 percent of economically disadvantaged students in the state go on to college after high school, compared to 82 percent of White students. However, once in college, students who are Black or Hispanic were more likely to need remediation and had lower grade point averages than students who are White (Office of the Governor, 2014; National Center for Education Statistics (NCES), 2015; Ladner & Burke, 2010).

Income Trends among Ethnic and Racial Groups The differences between racial and ethnic groups are also apparent in earnings and employment. All groups experienced a decline in earnings during the Great Recession, as noted in the drop from 2007 to 2010 in Figure 36, and all have recovered to some degree since then. Yet, the wages for Black and Hispanic workers remain significantly lower than those for Asian and White workers (American Community Survey, 2007, 2010, 2012, and 2015).

Because it is hard to accumulate wealth with lower earnings, Black and Hispanic households have substantially less wealth than White households, a gap that has been widening in recent years. Nationally (wealth data is not available at the state level), the median wealth of White households was 13 times the median wealth of Black households in 2013, compared with eight times the wealth in 2010, according to the Pew Research Center (Kochhar & Fry, 2014).

50 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Figure 36. Median Earnings Asian, Black, Hispanic, and White Workers, Florida, 2007 to 2015

$35,000

$30,000

$25,000 2007

$20,000 2010

$15,000 2012

$10,000 2015 Median Annual Earnings

$5,000

$0 Asian BlackHispanicWhite

Source: American Community Survey, 2007-2015

Black and Hispanic workers also have higher rates of unemployment in Florida. Though all groups faced higher rates of unemployment through the Great Recession, and have seen some improvement since then, the rate of unemployment for Blacks remains well above the rate for Whites and Hispanics. The gap in unemployment between Hispanic and White workers remains 1 percentage point (Figure 37).

Figure 37. Unemployment for White, Hispanic, and Black Workers, Florida, 2007 to 2015

25%

20% 20% 19%

15% White 14% Hispanic 10% 12% 12% 11% Black 10% 10% Percent Unemployed 7% 5% 6% 6% 5%

0% 2007 2010 2012 2015

Source: American Community Survey, 2007-2015

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 51 Implications of an Education and Income Gap for the Community The importance of high-quality child care and public education remains a fundamental American value, but ALICE households are challenged to find quality, affordable education at all levels in Florida. With inadequate educational opportunities, the state economy loses talent and suffers from lower productivity from less-skilled workers. In order for Florida’s economy to continue to grow and sustain an aging population, the state must also then continue to attract workers from other states and abroad. An education system that works for all residents would be an important draw.

Education is also important for communities; people with lower levels of education are often less engaged in their communities and less able to improve conditions for their families. More than half of those without a high school diploma report not understanding political issues, while 89 percent of those with a bachelor’s degree have at least some understanding of political issues. Similarly, having a college degree significantly increases the likelihood of volunteering, even controlling for other demographic characteristics (Baum, Ma, & Payea, 2013; Campbell, 2006; Mitra, 2011).

Ultimately, basic secondary education remains essential for any job. According to the Alliance for Excellent Education, if 90 percent of students graduated from high school in Florida, their aggregate increased annual income would be $436 million and they would pay $23 million in annual state and local tax revenues (Alliance for Excellent Education (AEE), 2013). What Will it Take to Meet the Challenges Ahead? There is a basic belief in America that if you work hard, you can support your family. Yet, the data presented in this Report shows that this is not the case for hundreds of thousands of hard-working families in Florida. The Report also debunks the assumptions and stereotypes that those who cannot support their families are primarily people of color, live in urban areas, are unemployed, or in extreme cases are thought to be simply lazy or have some sort of moral failing.

Why is there a mismatch between stereotypes and the facts? First, there has been a lack of awareness. Before the United Way ALICE Reports, 3.3 million struggling households in Florida had not been clearly named and documented. Second, the situation has developed over decades and barriers are embedded in many parts of our economy and communities.

Solutions require addressing the layers of obstacles outlined in this Report that prevent ALICE families from achieving financial stability: An economy heavily dependent on low-wage jobs, fast-changing job landscape, institutional bias against populations of color, changing demographics, increasing cost of household basics, and even the increasing occurrence of natural disasters. What Will it Take to Overcome These Barriers? The most common approaches to overcoming these barriers are short-term efforts that help an ALICE family weather an emergency. Temporary housing, child care assistance, meals, rides to work, and caregiving for ill or elderly relatives help ALICE recover from the loss of housing, a lack of food, an accident, or illness. These approaches can be crucial to preventing an ALICE household from falling into poverty or becoming homeless. But, these short-term relief efforts are not designed to move households to long-term financial stability.

The issues affecting ALICE are complex and solutions are difficult. Real change requires identifying where barriers exist and understanding how they are connected. Only then can stakeholders begin to envision bold ideas and take the steps necessary to remove barriers so that ALICE families can thrive. The following solutions need to be a part of the dialogue when addressing the financial stability of Florida residents.

Decrease the cost of household basics: The cost of basic household necessities in Florida has increased faster than the national rate of inflation – and wages of most jobs – leavingALICE households further behind than a decade ago. Large-scale economic and social changes that could

52 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY significantly reduce basic household costs over time include a larger supply of affordable housing (market-rate or subsidized), public preschool, accessible and affordable health care, and more public transportation (Collins & Gjertson, 2013; Consumer and Community Development Research Section of the Federal Reserve Board’s Division of Consumer and Community Affairs (DCCA), 2015; Lusardi, Schneider, & Tufano, 2011; Allard, Danziger, & Wathe, 2012).

Improve job opportunities: The seemingly simple solution – to increase the wages of current low-paying jobs – has complex consequences. The increased cost of doing business is either passed on to the consumer, who in many cases is ALICE, or absorbed by the business, resulting in fewer resources to invest in growth, or in some cases in a reduction in staff. However, if ALICE families have more income, they can spend more and utilize less assistance. Increased consumer activity provides benefits to businesses that can offset increased costs in production (Knowledge@Wharton, 2013; Congressional Budget Office, 2014; Wolfson, 2014).

Another option is to focus on restructuring the Florida economy towards more medium- and high- skilled jobs in both the public and private sectors, an enormous undertaking involving a wide range of stakeholders. But as technology increasingly replaces many low-wage jobs, this will be even more important for Florida. Such a shift would require an influx of new businesses and new industries, increased education and training for workers, and policies for labor migration to ensure skill needs are met (Luis, 2009; Frey & Osborne, September 2013).

Adjust to fast paced job change: New gig-focused job opportunities help many ALICE households fill short-term gaps in standard employment and some provide more lucrative opportunities than exist in the traditional employment market. While part-time and contract work has been part of the Florida economy for decades, these jobs are growing rapidly, pushing economists and policymakers into uncharted territory. With the shift to contract work, the burden of economic risk is increasingly shifted to workers, including retraining and securing benefits such as health insurance and disability insurance. Since any period of unemployment is a financial hardship for ALICE families, new safety measures that keep workers from sliding into financial distress during periods of transition will be needed (Friedman, 2016; Donovan, Bradley, & Shimabukuro, 2016; Watson, Frohlich, & Johnston, 2014).

Accommodate changing demographics: Based on forecasted economic and demographic changes, particularly the increasing number of seniors and immigrants, it is foreseeable that significantly more households will need smaller, lower-cost housing over the next two decades. In addition, these groups prefer housing that is close to transportation and community services. The changing structure of households, including the decline in the number of married parents with children and the increase in single male-parent families, will impact child care and schools as well as neighborhoods (sidewalks and playgrounds) and consumer goods (Harvard Joint Center for Housing Studies, 2014; Stilwell, 2015; Southwick Associates, 2015; Snaith, 2016; Shimberg Center for Housing Studies, 2013; South Florida Regional Planning Council, 2008).

Cost, regulations, and zoning laws limit the building of new, small, or low-cost housing units in most of the remaining open areas in Florida. To meet the needs of seniors, and preferences of millennials and immigrants, regulations and zoning laws will need to be changed and possibly subsidies or tax breaks would be necessary to make it cost effective to build townhouses and multifamily units. However, such changes impact developers and existing homeowners, making this a complex undertaking (Joint Center for Housing Studies, 2013; The White House, 2016; Prevost, 2013).

Address institutional bias: While attitudes about race and ethnicity have improved over the last few decades, there remain deeper causes for the sharp economic racial disparities. Recent reports have found that the gaps in education, income, and wealth that now exist along racial lines in the U.S. reflect in part policies and institutional practices that create different opportunities for Whites, Blacks, and Hispanics. To make a difference for ALICE families that are Black, Hispanic, or another disadvantaged

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY 53 group, changes need to be made within the institutions that impede equity in the legal system, health care, housing, education, and jobs (Mishel, Bivens, Gould, & Shierholz, 2012; Shapiro, Meschede, & Osoro, 2013; Oliver & Shapiro, 2006; Cramer, 2012; Leadership Conference on Civil Rights, 2000; Agency for Healthcare Research and Quality (AHRQ), 2015; Goldrick-Rab, Kelchen, & Houle, 2014; Sum & Khatiwada, 2010).

Prepare for natural disasters: For the most part, the areas and populations that are vulnerable to disasters are well known and well documented. Florida has 1,200 miles of coastline, almost 4,500 square miles of estuaries and bays, and more than 6,700 square miles of other coastal waters. The entire state lies within the Atlantic Coastal Plain, with a maximum elevation of less than 400 feet above sea level. Given this landscape, most of the state is vulnerable to rising water levels, while episodic flooding and beach erosion of low-lying areas are expanding into areas that have not been impacted previously. The consequences of these changes include damage to property and infrastructure, declines in coastal bird and wildlife populations, and the contamination of groundwater supplies (Florida Oceans and Coastal Council, 2010).

Natural disasters have a disproportionate impact on low-income families. With no savings to cover even minor damage to homes or cars, many households have no way to pay for these additional expenses. With a tight budget, most ALICE households cannot afford insurance or even preventative maintenance. As a result, they cannot repair even minor damage to homes and property, or afford dislocation. These natural disasters can also lead to increased mental health issues (Cooley, Eli Moore, & Allen, 2012; Deryugina, Kawano, & Levitt, 2013; Hoopes, 2013).

However, because of the demand for more housing and the desirability of water front property, the coastal region has experienced significant development and population growth over the past 50 years, with most of Florida’s 18 million residents living less than 60 miles from the Atlantic Ocean or the Gulf of Mexico. Three-fourths of Florida’s population resides in coastal counties. The housing that ALICE households can afford is often less expensive because it is located in flood-prone areas (Florida Oceans and Coastal Council, 2010; Florida Department of Environmental Protection, 2010; U.S. Global Change Research Program, 2014; White House, 2014; Climate Central, 2014).

Catastrophic natural disasters have disproportionate impacts on lower income families, but often are not considered in development planning. This, in turn, adds costs to emergency relief and recovery expenses down the road. Solutions are complex: Halting development adds price pressure to the existing housing stock. However, allowing development adds layers of risk to many homeowners and renters. In addition, natural disasters in these areas add enormous costs to state and federal emergency services. For flood- prone areas that have already been developed, stakeholders will need to consider the multi-faceted issues involved. These include the costs of emergency response, and insurance, the costs of relocation, the impact of mandatory relocation on families, and supports needed to minimize the impact of such relocations (Hayat & Moore, 2015; Environmental Protection Agency, 2014; Polefka, 2013).

STRATEGIES THAT CAN MAKE A DIFFERENCE FOR ALICE This United Way ALICE Report presents a range of strategies and broad changes Florida stakeholders – whether family, friends, nonprofits or the government – can consider for their own communities. These are current and innovative ideas collected from research and practitioners. These are not policy prescriptions, but rather a collection of options that could help ALICE families in the short-, medium-, and long-term.

The chart below allocates strategies to different stakeholders, though there is often overlap. Research shows that there are layers of support for financially fragile families. Often the first place low-income people or those without emergency savings seek help are from friends and family, followed by private nonprofits and government.

54 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY Florida is a diverse state, and there is no one-size-fits-all solution. Different communities can assess which strategies make the most sense for them as they assimilate the ALICE data laid out in this Report. Ultimately, strategies that put more money in the pockets of ALICE families – either by increasing their income or reducing their expenses – are needed now and in the future.

Figure 38. Short-, Medium-, and Long-Term Strategies to Assist Households with Income Below the ALICE Threshold

Strategies to Assist ALICE Families

SHORT-TERM MEDIUM- AND LONG-TERM Friends and • Temporary housing • Loans Family • Meals and food • Access to good employers • Rides to work and errands • Child care • Caregiving for ill/elderly relatives • Tool and trade sharing Nonprofits • Temporary housing • Loans and affordable financial products • Food pantries • Support to find good employers • Utility assistance • Job training and educational assistance • Home repair • Affordable housing • Tax preparation • Caregiver respite • Subsidized child care • Tool and trade sharing • Financial counseling, debt repair and credit building Employers • Paid days off • Regular work schedules • Transportation assistance • Full-time opportunities • Flex-time • Higher wages • Telecommuting options • Benefits • HR resources for caregivers • On-site health services, wellness incentives • Career paths • Mentoring • Employer sponsored training • Apprentice programs Government • Temporary assistance • Quality, affordable housing, child care, • Child care vouchers education, health care, transportation, and financial products • Housing subsidies • Reduced student loan burden • Educational vouchers and charter school options • Attract higher-skilled jobs • Social Security credit for caregivers • Strengthen infrastructure • Tax credit for caregivers, workers, parents and students • Job training and educational assistance • Financial counseling, debt repair and credit • Integrated public services building

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62 FOR FLORIDA – 2017 UPDATE ALICE REPORT UNITED WAY UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA ALICE Reports. geographic anddemographicperspectives.ExhibitVIIIdescribesanoverviewofthemethodologyusedin The followingExhibitspresentkeydataforbetterunderstanding ALICE householdsinFloridafromavarietyof EXHIBITS EXHIBIT VIII:METHODOLOGY OVERVIEW &RATIONALE EXHIBIT VII: ALICE HOUSEHOLDSBY INCOME,2007TO 2015 EXHIBIT VI:KEY FACTS AND ALICE STATISTICS FORFLORIDA MUNICIPALITIES EXHIBIT V: THEECONOMIC VIABILITY DASHBOARD EXHIBIT IV: KEY FACTS AND ALICE STATISTICS FORFLORIDA CONGRESSIONAL DISTRICTS EXHIBIT III: ALICE THRESHOLD AND DEMOGRAPHICS,FLORIDA,2015 EXHIBIT II: ALICE HOUSINGDATA BY COUNTY EXHIBIT I:COUNTY PAGES populations below65,000,dataare5-yearestimates(startingin2014,thereno3-yearestimates). American CommunitySurveydata,forcountieswithpopulationsover65,000,thedataare1-yearestimates; the uniquecombinationofdemographicandeconomiccircumstancesineachcountyFlorida.Buildingon Because stateaveragesoftensmoothoverlocalvariation,thesecountypagesarecrucialtounderstanding economic indicators,anddataforeachmunicipalityinthecounty(whereavailable). and percentofhouseholdsbyincome,EconomicViability Dashboardscores,HouseholdSurvivalBudget,key The followingsectionpresentsasnapshotof ALICE ineachofFlorida’s 67counties,includingthenumber ALICE COUNTYPAGES

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:44,453(46%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INALACHUACOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 259,964|NumberofHouseholds: $47,895(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 96,427 Household SurvivalBudget,AlachuaCounty

95,911 2007 22% 18% 60%

Poverty

93,820 2010 23% 25% 52% ALICE

SINGLE ADULT

120011 Above AT Above

93,245

2012 24% 23% 53% $20,208 $11,770

$1,684

$676 $165 $322 $165 $153 $203 $– Total HH Total

96,427 2015 20% 26% 54% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 20,000 40,000 60,000 80,000 100,000 120,000 $53,064 $24,250 $1,030 $4,422 $883 $547 $644 $634 $402 $282 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in Alachua Countyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though more Alachua County Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 11% 84% 5%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 15,042 Vehicle Poverty

Female- Headed Single 47% 24% 29% ALICE

120013

5,282 120012 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 12% 36% 52% Total HH Total

1,306 Interest, Dividends, or Rental or Dividends, Interest,

Income 6,000 8,000 10,000 12,000 14,000 16,000 0 2,000 4,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Gainesville Archer Alachua Gainesville CCD CCD High Springs-Alachua High Springs Hawthorne CCD Hawthorne Micanopy Waldo CCD Waldo Newberry-Archer CCD Newberry Micanopy CCD Town Alachua County, 2015 Total HH 48,617 65,880 16,125 4,012 1,989 2,238 2,685 8,538 1,845 1,237 445 507 293 373 % ALICE Poverty 42% 64% 57% 43% 52% 55% 61% 40% 53% 48% 30% 28% 47% 71% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:3,749(46%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INBAKERCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 27,135|NumberofHouseholds: $47,121(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 8,205 Household SurvivalBudget,BakerCounty #N/A N/A

Poverty

8,492 2010 14% 22% 64% ALICE

SINGLE ADULT

120031 Above AT Above

8,596 2012 18% 20% 62% $17,196 $11,770

$1,433

$491 $165 $322 $165 $130 $160 $– Total HH Total

8,205 2015 16% 30% 54% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 $45,828 $24,250 $3,819 $728 $757 $547 $644 $634 $347 $162 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in BakerCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreBakerCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 14% 14% 72%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 1,693 Vehicle

Poverty

Female- Headed Single 48% 44% 8% ALICE

120033

120032 With Mortgage With 615

No No Mortgage Above AT Above Home

Headed Single Male- 48% 23% 29% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

175

Income 800 1,000 1,200 1,400 1,600 1,800 0 200 400 600

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Sanderson CCD Macclenny CCD Macclenny Town Baker County, 2015 Total HH 3,712 4,493 1,899 % ALICE Poverty 50% 42% 49% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:28,577(41%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INBAY COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 181,635|NumberofHouseholds: $48,259(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 69,337

71,993 Household SurvivalBudget,BayCounty 2007 17% 74% 9%

Poverty

63,654 2010 15% 25% 60% ALICE

SINGLE ADULT

120051 Above AT Above

68,653

2012 16% 23% 61% $20,676 $11,770

$1,723

$703 $165 $322 $165 $157 $211 $– Total HH Total

69,337 2015 15% 26% 59% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 $51,228 $24,250 $4,269 $886 $920 $547 $644 $634 $388 $250 Total Households Assets, AllHouseholds,2015 common asset,canbuildwealth,butisnotaliquidasset. the mostcommonasset,depreciateovertime.Homeownership,next income, thatarereadilyavailabletocoveremergencyexpenses.Vehicles, Bay Countyownliquidassets,suchasasavingsaccount,401(k)plan,orrental Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamiliesin What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreBayCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 13% 10% 77% 4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle

9,068 Vehicle

Poverty

Female- Headed Single 11% 45% 44% ALICE

120053

5,144 120052 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 41% 17% 42% Total HH Total

1,299 Interest, Dividends, or Rental or Dividends, Interest,

Income 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 0 1,000 2,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Panama City Mexico BeachCCD Mexico Beach Lynn HavenCCD Lynn Haven CDP Lower GrandLagoon Laguna BeachCDP Cedar GroveCDP Callaway CCD Panama CityBeaches Panama CityBeach Panama CityCCD TyndallCDP AFB Springfield Southport CCD Pretty BayouCDP Parker Youngstown CCD CDP Upper GrandLagoon Town Bay County, 2015 Total HH 14,945 15,967 34,976 1,465 9,175 7,238 2,017 1,920 1,145 5,297 5,241 3,590 3,776 1,386 1,949 2,563 6,029 654 811 % ALICE Poverty 37% 33% 35% 49% 45% 47% 39% 37% 37% 54% 39% 59% 34% 40% 47% 47% 56% 36% 37% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:4,332(50%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INBRADFORDCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 27,223|NumberofHouseholds: $41,606(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 8,770 Household SurvivalBudget,BradfordCounty #N/A N/A

Poverty

9,010 2010 18% 33% 49% ALICE

SINGLE ADULT

120071 Above AT Above

8,828 2012 21% 28% 51% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

8,770 2015 23% 27% 50% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371 $211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in BradfordCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent many familieswithchildrenlivebelowthe ALICE Threshold. Though moreBradford Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthat How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 13% 11% 76%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 1,400 Vehicle

Poverty

Female- Headed Single 85% 15% 0% ALICE

120073

120072 With Mortgage With 577

No No Mortgage Above AT Above Home

Headed Single Male- 32% 33% 35% Total HH Total Interest, Dividends, or Rental or Dividends, Interest,

152

Income 600 800 1,000 1,200 1,400 1,600 0 200 400

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Starke CCD Starke Lawtey CCD Lawtey Hampton CCD Brooker CCD Town Bradford County, 2015 Total HH 4,554 2,044 1,460 2,335 386 421 % ALICE Poverty 53% 56% 49% 43% 65% 51% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:75,153(34%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INBREVARD COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 568,088|NumberofHouseholds: $50,416(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 225,682 Household SurvivalBudget,BrevardCounty

216,879 2007 21% 70% 9%

Poverty

221,945 2010 12% 26% 62% ALICE

SINGLE ADULT

120091 Above AT Above

218,094

2012 13% 27% 60% $18,036 $11,770

$1,503 $542 $165 $322 $165 $137 $172

$– Total HH Total

225,682 2015 12% 22% 66% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 50,000 100,000 150,000 200,000 250,000 $51,312 $24,250 $4,276 $878 $933 $547 $644 $634 $389 $251 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in BrevardCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreBrevardCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 86% 9% 5%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 26,749 Vehicle Poverty

Female- Headed Single 29% 31% 40% ALICE

120093

13,170 120092 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 45% 22% 33% Total HH Total

4,980 Interest, Dividends, or Rental or Dividends, Interest,

Income 0 5,000 10,000 15,000 20,000 25,000 30,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Canaveral CCD Cocoa Beach-Cape Cocoa Beach Cocoa Cape Canaveral Cocoa-Rockledge CCD Cocoa West CDP Beach CCD Indialantic-Melbourne Indialantic Grant-Valkaria Melbourne Malabar CCD Malabar June ParkCDP Indian HarbourBeach Melbourne CCD Melbourne Beach Melbourne Village Floridana BeachCCD Melbourne Shores- Merritt IslandCCD Merritt IslandCDP Palm BayCCD Palm Bay Mims CDP Micco CDP Palm Shores Rockledge Port St.JohnCDP CDP Patrick AFB Titusville CDP South PatrickShores Sharpes CDP Satellite Beach Titusville CCD Viera West CDP Viera EastCDP West Melbourne West BrevardCCD Town Brevard County, 2015 Total HH 12,609 45,172 18,972 32,825 51,170 17,826 14,577 37,981 10,171 18,722 27,170 38,113 5,796 5,602 1,953 1,212 1,518 6,928 1,084 1,570 3,653 3,317 2,617 4,234 4,283 2,638 1,186 4,020 3,312 4,583 7,158 1,646 6,811 1,211 316 410 370 % ALICE Poverty 32% 56% 39% 70% 35% 27% 25% 34% 39% 20% 32% 34% 24% 20% 41% 31% 38% 23% 34% 38% 35% 47% 35% 42% 33% 37% 32% 20% 43% 15% 30% 44% 25% 38% 31% 10% 9% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:296,943(44%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INBROWARD COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 1,896,425|NumberofHouseholds: $53,926(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Food Child Care Housing Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% Household SurvivalBudget,BrowardCounty 673,870

661,119 2007 10% 27% 63%

Poverty

658,025 2010 32% 14% 54% ALICE

SINGLE ADULT

120111 Above AT Above

663,905

2012 30% 14% 56% $22,812 $11,770

$1,901 $165 $764 $419 $133 $173 $247

$– Total HH Total

673,870 2015 31% 13% 56% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 100,000 200,000 300,000 400,000 500,000 600,000 700,000 800,000 $61,944 $24,250 $1,100 $1,263 $5,162 $547 $837 $506 $469 $440 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in BrowardCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent many familieswithchildrenlivebelowthe ALICE Threshold. Though moreBroward Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthat How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 17% 74% 9%

4+ Vehicles 4+ 114,890 2 Vehicles 3 Vehicles 1 Vehicle Vehicle Poverty

Single Female-Headed Single

40% 35% 25% ALICE

53,808 120113 120112 With Mortgage With

No No Mortgage Above AT Above Home

Single Male-Headed Single

16% 45% 39% Total HH Total

15,496 15,496 Interest, Dividends, or Rental or Dividends, Interest,

Income 0 20,000 40,000 60,000 80,000 100,000 120,000 140,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Cooper City Coconut Creek Broadview ParkCDP Boulevard GardensCDP Coral Springs CCD Coral Springs-Margate Dania Beach Davie Davie CCD Deerfield Beach Deerfield BeachCCD Fort Lauderdale Fort LauderdaleCCD Hallandale Beach Franklin ParkCDP Hallandale BeachCCD Hollywood Hillsboro Beach Hollywood CCD Lauderdale Lakes Lauderhill Lauderdale-by-the-Sea Margate Lighthouse Point Miramar Pines CCD Miramar-Pembroke Oakland Park North Lauderdale Pembroke Pines Pembroke Park Parkland Plantation Plantation CCD Pompano Beach Pompano BeachCCD Sunrise Southwest Ranches Sea RanchLakes Roosevelt GardensCDP Tamarac Weston West Park Washington ParkCDP Wilton Manors Town Broward County, 2015 120,691 100,420 Total HH 10,727 40,825 77,842 12,202 36,504 69,286 31,863 66,918 73,817 18,025 22,002 56,104 72,079 10,999 23,525 20,651 40,203 96,006 16,837 56,409 33,712 40,375 45,040 30,856 27,242 21,259 22,113 11,913 2,039 3,869 4,932 2,482 8,240 2,177 4,156 6,474 495 334 927 263 752 384 % ALICE Poverty 43% 52% 46% 22% 35% 47% 56% 39% 33% 51% 41% 46% 90% 51% 61% 62% 34% 52% 51% 39% 69% 31% 60% 53% 33% 58% 38% 72% 14% 54% 35% 32% 48% 54% 24% 56% 20% 56% 41% 60% 54% 65% 46% 24% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:2,780(58%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INCALHOUNCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 14,615|NumberofHouseholds: $34,510(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 4,784 Household SurvivalBudget,CalhounCounty #N/A N/A

Poverty

4,765 2010 21% 33% 46% ALICE

SINGLE ADULT

120131 Above AT Above

4,852 2012 24% 29% 47% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

4,784 2015 20% 38% 42% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371

$211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in CalhounCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent many familieswithchildrenlivebelowthe ALICE Threshold. Though moreCalhoun Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthat How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 67% 24% 9%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle Vehicle 966

Poverty

Female- Headed Single 49% 46% 5% ALICE

120133

120132 With Mortgage With 316

No No Mortgage Above AT Above Home

Headed Single Male- 20% 74% Total HH Total 6%

Interest, Dividends, or Rental or Dividends, Interest,

109

Income 0 200 400 600 800 1,000 1,200

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage West CalhounCCD Blountstown CCD Blountstown Altha CCD Town Calhoun County, 2015 Total HH 1,518 2,293 937 973 % ALICE Poverty 53% 60% 60% 59% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Population: ALICE INCHARLOTTECOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost Households Below ALICE Threshold:28,632(40%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: 173,115 | Number ofHouseholds: $45,492(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 72,671 Household SurvivalBudget,CharlotteCounty

70,871 2007 14% 77% 9%

Poverty

69,176 2010 13% 27% 60% ALICE

SINGLE ADULT

120151 Above AT Above

71,811

2012 12% 25% 63% $17,472 $11,770

$1,456

$508 $165 $322 $165 $132 $164 $– Total HH Total

72,671 2015 11% 29% 60% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 $55,152 $24,250 $1,180 $4,596 $854 $547 $644 $634 $418 $319 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in CharlotteCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreCharlotte Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 25% 67% 8%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 6,595 Vehicle

Poverty

Female- Headed Single 35% 45% 20% ALICE

120153

2,680 120152 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 16% 48% 36% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

1,167

Income 0 2,000 3,000 4,000 5,000 6,000 7,000 1,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage CCD Grove City-Rotonda Grove CityCDP Cleveland CDP Charlotte ParkCDP Charlotte HarborCDP Manasota KeyCDP Harbour HeightsCDP Port CharlotteCCD Port CharlotteCDP Punta GordaCCD Punta Gorda Rotonda CDP Town Charlotte County, 2015 Total HH 17,951 37,031 23,486 16,874 1,152 1,190 1,791 1,371 8,629 4,124 985 605 % ALICE Poverty 50% 40% 39% 50% 32% 40% 22% 43% 29% 48% 41% 35% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:26,251(43%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INCITRUSCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 141,058|NumberofHouseholds: $40,294(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 60,541 Household SurvivalBudget,CitrusCounty

58,980 2007 12% 25% 63%

Poverty

60,229 2010 16% 30% 54% ALICE

SINGLE ADULT

120171 Above AT Above

58,640

2012 15% 28% 57% $18,972 $11,770

$1,581

$600 $165 $322 $165 $144 $185 $– Total HH Total

60,541 2015 14% 29% 57% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 10,000 20,000 30,000 40,000 50,000 60,000 70,000 $48,552 $24,250 $4,046 $770 $880 $547 $644 $634 $368 $203 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in CitrusCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreCitrusCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 23% 72% 5%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle 5,733 Vehicle

Poverty

Female- Headed Single 18% 14% 68% ALICE

120173

2,338 120172 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 14% 44% 42% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

1,146

Income 2,000 3,000 4,000 5,000 6,000 7,000 0 1,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Inverness CCD Inverness CDP Homosassa Springs Homosassa CDP Hernando CDP Floral CityCDP Crystal RiverCCD Crystal River Citrus SpringsCDP Citrus HillsCDP Black DiamondCDP Beverly HillsCDP North CDP Inverness Highlands Sugarmill Woods CDP County) Pine RidgeCDP (Citrus Lecanto CDP South CDP Inverness Highlands Town Citrus County, 2015 Total HH 30,898 30,114 3,212 5,291 4,121 2,251 1,232 3,410 3,691 3,999 4,410 4,671 1,957 2,670 865 419 871 % ALICE Poverty 61% 60% 59% 51% 42% 51% 37% 20% 62% 33% 22% 48% 37% 37% 32% 37% 48% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:23,925(33%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INCLAY COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 203,967|NumberofHouseholds: $58,676(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 71,733

Household SurvivalBudget,ClayCounty 65,307 2007 22% 70% 8%

Poverty

65,889 2010 11% 65% 24% ALICE

SINGLE ADULT

120191 Above AT Above

66,918

2012 11% 63% 26% $19,416 $11,770

$1,618

$628 $165 $322 $165 $147 $191 $– Total HH Total

71,733 2015 12% 67% 21% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 $53,208 $24,250 $4,434 $931 $990 $547 $644 $634 $403 $285 Total Households Assets, AllHouseholds,2015 common asset,canbuildwealth,butisnotaliquidasset. the mostcommonasset,depreciateovertime.Homeownership,next income, thatarereadilyavailabletocoveremergencyexpenses.Vehicles, Clay Countyownliquidassets,suchasasavingsaccount,401(k)plan,orrental Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamiliesin What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreClayCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 12% 82% 6%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 16,094 Vehicle Poverty

Female- Headed Single 29% 45% 26% ALICE

120193

4,994 120192 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 49% 46% 5% Total HH Total

1,618 Interest, Dividends, or Rental or Dividends, Interest,

Income 8,000 10,000 12,000 14,000 16,000 18,000 0 2,000 4,000 6,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Fleming IslandCDP Terrace CDP Bellair-Meadowbrook Asbury LakeCDP Keystone Heights CCD Green CoveSprings Green CoveSprings CCD Middleburg-Clay Hill Middleburg CDP Lakeside CDP Keystone HeightsCCD Orange ParkCCD Orange Park Oakleaf PlantationCDP Penney FarmsCCD Penney Farms Town Clay County, 2015 Total HH 10,216 18,568 33,396 11,310 5,381 2,867 5,128 2,421 4,438 6,562 3,455 6,830 5,399 587 353 % ALICE Poverty 49% 23% 43% 47% 19% 34% 43% 34% 45% 41% 20% 34% 31% 31% 53% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:44,948(33%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INCOLLIERCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 357,305|NumberofHouseholds: $62,126(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American POVERTY ANNUAL TOTAL Monthly Costs ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 134,906 Household SurvivalBudget,CollierCounty

120,309 2007 65% 27% 8%

Poverty

118,258 2010 12% 56% 32% ALICE

SINGLE ADULT

120211 Above AT Above

123,714

2012 10% 31% 59% $20,460 $11,770

$1,705 $691 $165 $322 $165 $155 $207

$– Total HH Total

134,906 2015 23% 10% 67% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

20,000 40,000 60,000 80,000 100,000 120,000 140,000 160,000 - $24,250 $56,112 $1,100 $4,676 $990 $547 $644 $634 $425 $336 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in CollierCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreCollierCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 68% 18% 14%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 17,853 Vehicle Poverty

Female- Headed Single 20% 49% 31% ALICE

120213

6,697 120212 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 41% 18% 41% Total HH Total

3,287 Interest, Dividends, or Rental or Dividends, Interest,

Income 6,000 8,000 10,000 12,000 14,000 16,000 18,000 20,000 2,000 4,000 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Immokalee CCD Golden GateCDP Naples Marco IslandCCD Marco Island Lely ResortCDP Lely CDP Island Walk CDP Immokalee CDP Naples CCD County) Pine RidgeCDP (Collier Pelican BayCDP Orangetree CDP Naples ParkCDP Naples ManorCDP Vineyards CDP Verona Walk CDP Town Collier County, 2015 Total HH 14,937 10,392 99,949 8,416 8,254 2,104 1,731 1,551 4,955 2,995 1,369 2,568 1,120 1,716 1,230 7,113 848 % ALICE Poverty 60% 28% 27% 33% 38% 13% 75% 40% 27% 14% 19% 49% 77% 37% 21% 15% 32% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:10,862(45%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INCOLUMBIACOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 68,348|NumberofHouseholds: $47,808(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 24,238 Household SurvivalBudget,ColumbiaCounty

22,161 2007 16% 32% 52%

Poverty

25,705 2010 48% 16% 36% ALICE

SINGLE ADULT

120231 Above AT Above

22,636

2012 52% 18% 30% $17,028 $11,770

$1,419

$480 $165 $322 $165 $129 $158 $– Total HH Total

24,238 2015 55% 17% 28% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 5,000 10,000 15,000 20,000 25,000 30,000 $50,784 $24,250 $1,033 $4,232 $747 $547 $644 $634 $385 $242 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in ColumbiaCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreColumbia Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 12% 70% 18%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 3,476 Vehicle

Poverty

Female- Headed Single 18% 27% 55% ALICE

120233

1,459 120232 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 23% 46% 31% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

656

Income 1,500 2,000 2,500 3,000 3,500 4,000 0 500 1,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Lake CityCCD Lake City Fort WhiteCCD Five PointsCDP North ColumbiaCCD Watertown CDP Town Columbia County, 2015 Total HH 17,609 4,634 5,556 1,167 299 543 % ALICE Poverty 58% 50% 55% 47% 58% 55% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:6,535(58%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INDESOTOCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 34,957|NumberofHouseholds: $35,165(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 11,238 Household SurvivalBudget,DeSotoCounty #N/A N/A

Poverty

10,395 2010 20% 22% 58% ALICE

SINGLE ADULT

120271 Above AT Above

10,595

2012 26% 27% 47% $17,868 $11,770

$1,489

$532 $165 $322 $165 $135 $170 $– Total HH Total

11,238 2015 22% 36% 42% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 2,000 4,000 6,000 8,000 10,000 12,000 $49,248 $24,250 $1,033 $4,104 $658 $547 $644 $634 $373 $215 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in DeSotoCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreDeSotoCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 48% 28% 24%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle 1,646 Vehicle

Poverty

Female- Headed Single 62% 35% 3% ALICE

120273

120272 With Mortgage With 937

No No Mortgage Above AT Above Home

Headed Single Male- 12% 17% 71% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

418

Income 800 1,000 1,200 1,400 1,600 1,800 0 200 400 600

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Southeast Arcadia CDP Southeast Arcadia Arcadia West CCD Arcadia EastCCD Arcadia Town DeSoto County, 2015 Total HH 2,336 4,060 7,178 2,527 % ALICE Poverty 71% 49% 64% 64% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:3,327(55%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INDIXIECOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 16,091|NumberofHouseholds: $36,292(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 6,051 Household SurvivalBudget,DixieCounty #N/A N/A

Poverty

4,909 2010 13% 48% 39% ALICE

SINGLE ADULT

120291 Above AT Above

6,014 2012 15% 36% 49% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

6,051 2015 21% 34% 45% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 7,000 $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371

$211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in DixieCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreDixieCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 67% 21% 12%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle Vehicle

672

Poverty

Female- Headed Single 83% 17% 0% ALICE

120293 120292 With Mortgage With

254 No No Mortgage Above AT Above Home

Headed Total HH Total Single Male- 40% 25% 35%

Interest, Dividends, or Rental or Dividends, Interest,

221

Income 300 400 500 600 700 800 0 100 200

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Cross CitySouthCCD Cross CityNorthCCD Cross City Town Dixie County, 2015 Total HH 1,761 4,290 788 % ALICE Poverty 47% 59% 66% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:128,665(37%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INDUVAL COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 913,010|NumberofHouseholds: $49,554(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 343,467 Household SurvivalBudget,DuvalCounty

340,527 2007 11% 21% 68%

Poverty

326,339 2010 15% 27% 58% ALICE

SINGLE ADULT

120311 Above AT Above

328,225

2012 16% 27% 57% $19,416 $11,770

$1,618 $628 $165 $322 $165 $147 $191

$– Total HH Total

343,467 2015 15% 22% 63% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 50,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 $52,692 $24,250 $4,391 $931 $960 $547 $644 $634 $399 $276 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in DuvalCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreDuvalCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 10% 82% 8%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles

1 Vehicle 50,828 Vehicle Poverty

Female- Headed Single 24% 47% 29% ALICE

120313

31,944 120312 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 26% 27% 47% Total HH Total

6,046 Interest, Dividends, or Rental or Dividends, Interest,

Income 0 10,000 20,000 30,000 40,000 50,000 60,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Jacksonville Baldwin CCD Baldwin Atlantic Beach Jacksonville Beach CCD Jacksonville Beaches Jacksonville EastCCD Jacksonville NorthCCD Jacksonville West CCD Neptune Beach Town Duval County, 2015 323,488 168,890 116,766 Total HH 10,303 22,553 27,351 2,340 5,477 2,948 597 % ALICE Poverty 39% 24% 53% 39% 27% 30% 35% 36% 22% 49% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Population: ALICE INESCAMBIACOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost Households Below ALICE Threshold:44,318(38%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: 311,003 |NumberofHouseholds: $46,001(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 116,814 Household SurvivalBudget,EscambiaCounty

115,420 2007 14% 24% 62%

Poverty

110,306 2010 18% 27% 55% ALICE

SINGLE ADULT

120331 Above AT Above

114,077

2012 15% 27% 58% $19,176 $11,770

$1,598 $613 $165 $322 $165 $145 $188

$– Total HH Total

116,814 2015 11% 27% 62% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 20,000 40,000 60,000 80,000 100,000 120,000 140,000 $49,884 $24,250 $4,157 $828 $900 $547 $644 $634 $378 $226 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in EscambiaCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreEscambia Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 82% 10% 8%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 12,300 Vehicle Poverty

Female- Headed Single 29% 37% 34% ALICE

120333

5,466 120332 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 51% 37% 12% Total HH Total

1,676 Interest, Dividends, or Rental or Dividends, Interest,

Income 4,000 6,000 8,000 10,000 12,000 14,000 0 2,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Cantonment CCD Brent CDP Bellview CDP Century Ferry PassCDP Ensley CDP Century CCD Molino CDP Goulding CDP Gonzalez CDP Pensacola CCD Northwest Escambia Myrtle GroveCDP Pensacola CCD West PensacolaCDP Warrington CDP Town Escambia County, 2015 Total HH 18,759 12,742 22,103 90,357 6,824 8,614 8,413 2,847 1,012 4,818 1,697 6,044 8,143 5,732 687 453 % ALICE Poverty 49% 31% 31% 75% 43% 52% 74% 19% 45% 57% 29% 43% 42% 62% 51% 42% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:17,688(45%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INFLAGLERCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 105,392|NumberofHouseholds: $48,864(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 39,281 Household SurvivalBudget,FlaglerCounty

37,935 2007 65% 11% 24%

Poverty

35,218 2010 56% 11% 33% ALICE

SINGLE ADULT

120351 Above AT Above

36,358

2012 55% 12% 33% $19,620 $11,770

$1,635

$640 $165 $322 $165 $149 $194 $– Total HH Total

39,281 2015 35% 55% 10% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 $54,480 $24,250 $1,060 $4,540 $935 $547 $644 $634 $413 $307 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in FlaglerCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreFlaglerCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 65% 23% 12%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle 5,116 Vehicle

Poverty

Female- Headed Single 47% 11% 42% ALICE

120353

1,768 120352 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 50% 40% 10% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

587

Income 0 1,000 2,000 3,000 4,000 5,000 6,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Bunnell CCD Bunnell Flagler BeachCCD Flagler Beach Palm Coast Town Flagler County, 2015 Total HH 24,044 12,906 29,739 2,057 966 % ALICE Poverty 64% 42% 47% 41% 44% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:2,199(51%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INFRANKLINCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 11,628 |NumberofHouseholds: $40,401(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 4,338 Household SurvivalBudget,FranklinCounty #N/A N/A

Poverty

4,699 2010 22% 23% 55% ALICE

SINGLE ADULT

120371 Above AT Above

4,479 2012 22% 28% 50% $18,588 $11,770

$1,549

$576 $165 $322 $165 $141 $180 $– Total HH Total

4,338 2015 19% 32% 49% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 5,000 $50,184 $24,250 $1,033 $4,182 $713 $547 $644 $634 $380 $231 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in FranklinCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreFranklinCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 72% 24% 4%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle Vehicle

467

Poverty

Female- Headed Single 78% 12% 10% ALICE

120373 120372 With Mortgage With

231 No No Mortgage Above AT Above Home

Headed Total HH Total Single Male- 59% 41% 0%

Interest, Dividends, or Rental or Dividends, Interest,

101

Income 150 200 250 300 350 400 450 500 0 50 100

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage St. GeorgeIslandCDP Eastpoint CDP Eastpoint CCD Carrabelle CCD Carrabelle Apalachicola CCD Apalachicola Town Franklin County, 2015 Total HH 1,205 1,439 1,694 304 854 758 940 % ALICE Poverty 51% 60% 43% 24% 55% 61% 51% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:9,447(56%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INGADSDENCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 46,424|NumberofHouseholds: $35,567(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 16,964 Household SurvivalBudget,GadsdenCounty

15,656 2007 48% 20% 32%

Poverty

16,467 2010 43% 25% 32% ALICE

SINGLE ADULT

120391 Above AT Above

16,847

2012 49% 24% 27% $20,700 $11,770

$1,725

$705 $165 $322 $165 $157 $211 $– Total HH Total

16,964 2015 44% 24% 32% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 18,000 $51,348 $24,250 $4,279 $905 $908 $547 $644 $634 $389 $252 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in GadsdenCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreGadsden Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 17% 14% 69%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle

Vehicle 2,028

Poverty

Female- Headed Single 64% 29% 7% ALICE

120393

2,082 120392 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 15% 28% 57% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

441

Income 500 1,000 1,500 2,000 2,500 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Quincy CCD Quincy Midway Havana CCD Havana Gretna Greensboro CCD Greensboro Chattahoochee CCD Chattahoochee Town Gadsden County, 2015 Total HH 7,964 2,733 1,232 6,045 1,373 1,582 836 516 239 851 % ALICE Poverty 64% 62% 45% 45% 59% 54% 54% 71% 43% 55% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:3,130(50%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INGILCHRISTCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 16,992|NumberofHouseholds: $40,623(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American POVERTY ANNUAL TOTAL Monthly Costs ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 6,187 Household SurvivalBudget,GilchristCounty #N/A N/A

Poverty

5,976 2010 23% 27% 50% ALICE

SINGLE ADULT

120411 Above AT Above

5,963 2012 44% 24% 32% $20,208 $11,770

$1,684

$676 $165 $322 $165 $153 $203 $– Total HH Total

6,187 2015 50% 19% 31% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 7,000 $24,250 $53,112 $1,033 $4,426 $883 $547 $644 $634 $402 $283 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in GilchristCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreGilchristCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 27% 11% 62%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 1,012 Vehicle

Poverty

Female- Headed Single 28% 62% 10% ALICE

120413

120412 With Mortgage With 309

No No Mortgage Above AT Above Home

Headed Single Male- Total HH Total N/A Interest, Dividends, or Rental or Dividends, Interest,

Income 200 400 600 800 1,000 1,200 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Trenton CCD Trenton Bell CCD Town Gilchrist County, 2015 Total HH 3,947 2,240 723 % ALICE Poverty 45% 60% 58% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:2,554(65%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INGLADESCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 13,272|NumberofHouseholds: $34,877(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 3,920 Household SurvivalBudget,GladesCounty #N/A N/A

Poverty

4,165 2010 17% 38% 45% ALICE

SINGLE ADULT

120431 Above AT Above

3,745 2012 18% 55% 27% $19,344 $11,770

$1,612

$623 $165 $322 $165 $147 $190 $– Total HH Total

3,920 2015 20% 45% 35% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 - $51,900 $24,250 $1,033 $4,325 $812 $547 $644 $634 $393 $262 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in GladesCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreGladesCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 28% 48% 24%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle Vehicle

405

Poverty

Female- Headed Single 12% 34% 54% ALICE

120433 120432 With Mortgage With

189 No No Mortgage Above AT Above Home

Headed Total HH Total Single Male- N/A Interest, Dividends, or Rental or Dividends, Interest,

Income 200 250 300 350 400 450 50 100 150 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Southwest GladesCCD Northeast GladesCCD Moore Haven Buckhead RidgeCDP Town Glades County, 2015 Total HH 2,473 1,447 655 639 % ALICE Poverty 66% 64% 79% 64% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:2,621(49%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INGULFCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 15,785|NumberofHouseholds: $41,788(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 5,349 Household SurvivalBudget,GulfCounty #N/A N/A

Poverty

5,347 2010 16% 31% 53% ALICE

SINGLE ADULT

120451 Above AT Above

5,368 2012 18% 33% 49% $18,444 $11,770

$1,537

$567 $165 $322 $165 $140 $178 $– Total HH Total

5,349 2015 15% 34% 51% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 $50,004 $24,250 $1,033 $4,167 $702 $547 $644 $634 $379 $228 Total Households Assets, AllHouseholds,2015 common asset,canbuildwealth,butisnotaliquidasset. the mostcommonasset,depreciateovertime.Homeownership,next income, thatarereadilyavailabletocoveremergencyexpenses.Vehicles, Gulf Countyownliquidassets,suchasasavingsaccount,401(k)plan,orrental Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamiliesin What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreGulfCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 70% 20% 10%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle Vehicle

819

Poverty

Female- Headed Single 31% 32% 37% ALICE

120453 120452 With Mortgage With

301 No No Mortgage Above AT Above Home

Headed Total HH Total Single Male- 13% 70% 17%

Interest, Dividends, or Rental or Dividends, Interest,

242

Income 400 500 600 700 800 900 0 100 200 300

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Wewahitchka CCD Wewahitchka Port St.JoeCCD Port St.Joe Town Gulf County, 2015 Total HH 2,237 1,297 3,112 803 % ALICE Poverty 52% 46% 55% 60% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:2,682(57%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INHAMILTON COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 14,395|NumberofHouseholds: $35,048(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 4,688 Household SurvivalBudget,HamiltonCounty #N/A N/A

Poverty

4,532 2010 23% 26% 51% ALICE

SINGLE ADULT

120471 Above AT Above

4,473 2012 23% 32% 45% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

4,688 2015 26% 31% 43% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 5,000 $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371

$211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in HamiltonCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent many familieswithchildrenlivebelowthe ALICE Threshold. Though moreHamilton Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthat How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 20% 18% 62% 4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle Vehicle

569

Poverty

Female- Headed Single 89% 10% 1% ALICE

120473 120472 With Mortgage With

428 No No Mortgage Above AT Above Home

Headed Total HH Total Single Male- N/A Interest, Dividends, or Rental or Dividends, Interest,

Income 0 100 200 300 400 500 600

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage White SpringsCCD White Springs Jennings CCD Jennings Jasper CCD Jasper Town Hamilton County, 2015 Total HH 1,824 2,168 696 373 248 712 % ALICE Poverty 55% 57% 61% 65% 70% 60% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:4,926(65%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INHARDEECOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 27,468|NumberofHouseholds: $35,457(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 7,618 Household SurvivalBudget,HardeeCounty

8,644 2007 53% 19% 28%

Poverty

7,694 2010 39% 20% 41% ALICE

SINGLE ADULT

120491 Above AT Above

7,687 2012 43% 30% 27% $17,904 $11,770

$1,492

$534 $165 $322 $165 $136 $170 $– Total HH Total

7,618 2015 42% 35% 23% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 $49,308 $24,250 $1,033 $4,109 $661 $547 $644 $634 $374 $216 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in HardeeCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreHardeeCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 36% 21% 43%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle 1,369 Vehicle

Poverty

Female- Headed Single 70% 28% 2% ALICE

120493

120492 With Mortgage With 751

No No Mortgage Above AT Above Home

Headed Single Male- 72% 19% Total HH Total 9%

Interest, Dividends, or Rental or Dividends, Interest,

258

Income 600 800 1,000 1,200 1,400 1,600 0 200 400

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Zolfo SpringsCCD Zolfo Springs Wauchula CCD Wauchula Bowling GreenCCD Bowling Green Town Hardee County, 2015 Total HH 2,215 3,812 1,618 1,591 466 835 % ALICE Poverty 64% 63% 58% 70% 78% 76% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:7,279(64%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INHENDRY COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 38,363|NumberofHouseholds: $36,771(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 11,345 Household SurvivalBudget,HendryCounty

10,964 2007 44% 23% 33%

Poverty

11,006 2010 53% 21% 26% ALICE

SINGLE ADULT

120511 Above AT Above

10,809

2012 38% 24% 38% $18,252 $11,770

$1,521

$556 $165 $322 $165 $138 $175 $– Total HH Total

11,345 2015 36% 23% 41% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 2,000 4,000 6,000 8,000 10,000 12,000 $50,952 $24,250 $1,033 $4,246 $757 $547 $644 $634 $386 $245 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in HendryCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreHendryCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 43% 21% 36%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle 2,301 Vehicle

Poverty

Female- Headed Single 59% 15% 26% ALICE

120513

1,314 120512 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 51% 45% Total HH Total 4%

Interest, Dividends, or Rental or Dividends, Interest,

384

Income 500 1,000 1,500 2,000 2,500 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Port LaBelleCDP Pioneer CDP Montura CDP LaBelle CCD LaBelle Harlem CDP Fort DenaudCDP Clewiston CCD Clewiston Town Hendry County, 2015 Total HH 1,260 1,014 5,720 1,405 5,625 2,404 335 763 609 % ALICE Poverty 53% 79% 59% 57% 69% 56% 67% 82% 44% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:29,989(42%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INHERNANDOCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 178,439|NumberofHouseholds: $43,590(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% Household SurvivalBudget,HernandoCounty 70,713

66,498 2007 32% 59% 9%

Poverty

70,035 2010 14% 33% 53% ALICE

SINGLE ADULT

120531 Above AT Above

69,222

2012 16% 48% 36% $19,128 $11,770

$1,594

$610 $165 $322 $165 $145 $187 $– Total HH Total

70,713 2015 58% 12% 30% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 - $53,736 $24,250 $4,478 $959 $993 $547 $644 $634 $407 $294 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, plan, orrentalincome,thatarereadilyavailabletocoveremergencyexpenses. in HernandoCountyownliquidassets,suchasasavingsaccount,401(k) Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreHernando Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 23% 69% 8%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle

9,182 Vehicle

Poverty

Female- Headed Single 57% 24% 19% ALICE

120533

4,145 120532 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 24% 52% 24% Total HH Total

1,652 Interest, Dividends, or Rental or Dividends, Interest,

Income 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 1,000 2,000 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Brooksville CCD Brooksville Brookridge CDP Garden GroveCDP Spring HillCCD South BrooksvilleCDP Ridge ManorCDP Ridge ManorCCD CDP North Weeki Wachee North BrooksvilleCDP Masaryktown CDP Hill ‘nDaleCDP High PointCDP Hernando BeachCDP Hernando BeachCCD Spring HillCDP CDP Weeki Wachee Gardens Timber PinesCDP Town Hernando County, 2015 Total HH 12,370 49,539 39,446 3,074 2,305 1,683 1,952 2,818 3,604 1,374 1,738 1,074 5,725 3,055 234 405 634 825 % ALICE Poverty 64% 46% 51% 51% 53% 53% 50% 38% 49% 58% 37% 40% 44% 82% 46% 28% 43% 40% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:19,972(49%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INHIGHLANDSCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 99,491|NumberofHouseholds: $34,242(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 41,116 Household SurvivalBudget,HighlandsCounty

41,295 2007 17% 28% 55%

Poverty

39,675 2010 17% 32% 51% ALICE

SINGLE ADULT

120551 Above AT Above

39,112

2012 18% 33% 49% $18,492 $11,770

$1,541

$571 $165 $322 $165 $140 $178 $– Total HH Total

41,116 2015 21% 28% 51% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 $50,412 $24,250 $1,033 $4,201 $726 $547 $644 $634 $382 $235 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, plan, orrentalincome,thatarereadilyavailabletocoveremergencyexpenses. in HighlandsCountyownliquidassets,suchasasavingsaccount,401(k) Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreHighlands Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 58% 22% 20%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 5,041 Vehicle

Poverty

Female- Headed Single 49% 40% 11% ALICE

120553

1,719 120552 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 36% 24% 40% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

619

Income 0 1,000 2,000 3,000 4,000 5,000 6,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Avon ParkCCD Avon Park Lake Placid Sebring CCD Sebring Lake PlacidCCD Town Highlands County, 2015 Total HH 13,215 17,801 3,337 4,259 9,381 767 % ALICE Poverty 63% 48% 65% 63% 49% 47% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:210,307(42%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INHILLSBOROUGHCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 1,349,050|NumberofHouseholds: $51,725(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% Household SurvivalBudget,HillsboroughCounty 503,154

458,023 2007 11% 22% 67%

Poverty

460,605 2010 15% 27% 58% ALICE

SINGLE ADULT

120571 Above AT Above

477,259

2012 17% 26% 57% $19,128 $11,770

$1,594 $610 $165 $322 $165 $145 $187

$– Total HH Total

503,154 2015 15% 27% 58% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 100,000 200,000 300,000 400,000 500,000 600,000 $54,084 $24,250 $1,013 $4,507 $959 $547 $644 $634 $410 $300 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, plan, orrentalincome,thatarereadilyavailabletocoveremergencyexpenses. in HillsboroughCountyownliquidassets,suchasasavingsaccount,401(k) Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreHillsborough Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 79% 13% 8%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 85,122 Vehicle Poverty

Female- Headed Single 29% 40% 31% ALICE

120573

44,004 120572 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 42% 25% 33% Total HH Total

14,099 14,099 Interest, Dividends, or Rental or Dividends, Interest,

Income 40,000 50,000 60,000 70,000 80,000 90,000 0 10,000 20,000 30,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Brandon CCD Bloomingdale CDP Balm CDP Apollo BeachCDP Brandon CDP Carrollwood CDP Dover CDP Citrus ParkCDP Cheval CDP Egypt Lake-LetoCDP CDP East Lake-OrientPark Keystone CDP Gibsonton CDP Fish HawkCDP CCD Keystone-Citrus Park CCD Palm River-Gibsonton CDP Palm River-ClairMel Northdale CDP Mango CDP Lutz CDP Lake MagdaleneCDP Plant City Pebble CreekCDP Plant CityCCD Riverview CDP Progress Village CDP Ruskin CCD Tampa Sun CityCenterCDP Seffner CDP Ruskin CDP Tampa CCD Town ‘n’ CountryCDP Thonotosassa CDP Temple Terrace (Hillsborough County) University CDP Valrico CDP CCD Wimauma-Riverview Wimauma CDP Westchase CDP Town Hillsborough County, 2015 144,582 256,445 Total HH 63,831 41,955 13,926 13,545 49,635 16,022 12,774 28,933 27,869 26,993 30,176 17,057 12,799 44,219 11,798 11,910 7,899 6,269 9,177 4,268 9,550 7,937 5,286 4,940 7,676 8,400 4,264 2,760 2,434 2,616 6,383 4,802 9,815 1,791 8,685 7,511 593 971 % ALICE Poverty 23% 26% 39% 36% 36% 36% 34% 33% 61% 56% 49% 18% 60% 56% 29% 58% 33% 43% 28% 22% 50% 48% 38% 46% 27% 39% 41% 46% 38% 48% 49% 49% 41% 45% 76% 66% 20% 25% 29% 11% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:3,841(56%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INHOLMESCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 19,635|NumberofHouseholds: $35,020(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 6,828 Household SurvivalBudget,HolmesCounty #N/A N/A

Poverty

6,768 2010 44% 19% 37% ALICE

SINGLE ADULT

120591 Above AT Above

6,747 2012 43% 20% 37% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

6,828 2015 44% 26% 30% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371

$211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in HolmesCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreHolmesCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 57% 18% 25%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle

Vehicle 1,244

Poverty

Female- Headed Single 32% 67% 1% ALICE

120593

120592 With Mortgage With 422

No No Mortgage Above AT Above Home

Headed Single Male- 93% Total HH Total 2% 5%

Interest, Dividends, or Rental or Dividends, Interest,

123

Income 400 600 800 1,000 1,200 1,400 0 200

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage West HolmesCCD Esto-Noma CCD Bonifay CCD Bonifay Town Holmes County, 2015 Total HH 2,132 1,582 3,114 957 % ALICE Poverty 58% 52% 57% 65% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:22,005(40%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE ININDIANRIVERCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 147,919|NumberofHouseholds: $49,379(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% Household SurvivalBudget,IndianRiverCounty 55,494

57,334 2007 26% 66% 8%

Poverty

53,151 2010 13% 27% 60% ALICE

SINGLE ADULT

120611 Above AT Above

58,950

2012 14% 31% 55% $17,868 $11,770

$1,489

$532 $165 $322 $165 $135 $170 $– Total HH Total

55,494 2015 11% 29% 60% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 10,000 20,000 30,000 40,000 50,000 60,000 70,000 $50,448 $24,250 $4,204 $821 $940 $547 $644 $634 $382 $236 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, plan, orrentalincome,thatarereadilyavailabletocoveremergencyexpenses. in IndianRiverCountyownliquidassets,suchasasavingsaccount,401(k) Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreIndianRiver Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 65% 22% 13%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle

Vehicle 7,042

Poverty

Female- Headed Single 49% 40% 11% ALICE

120613

2,494 120612 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 46% 28% 26% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

879

Income 0 3,000 4,000 5,000 6,000 7,000 8,000 1,000 2,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Vero BeachCCD Vero Beach South BeachCDP Sebastian Roseland CDP Indian RiverShores Gifford CDP Florida RidgeCDP Fellsmere CCD Fellsmere Wabasso BeachCDP Vero BeachSouthCDP Winter BeachCDP West Vero CorridorCDP Town Indian RiverCounty, 2015 Total HH 50,848 7,174 1,621 9,172 2,139 3,801 7,166 6,977 1,260 9,405 3,992 703 861 801 % ALICE Poverty 51% 14% 42% 17% 62% 49% 52% 81% 25% 47% 43% 31% 48% 26% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:9,464(58%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INJACKSONCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 48,900|NumberofHouseholds: $35,098(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 16,309 Household SurvivalBudget,JacksonCounty

16,916 2007 19% 27% 54%

Poverty

16,597 2010 16% 30% 54% ALICE

SINGLE ADULT

120631 Above AT Above

15,148

2012 48% 18% 34% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

16,309 2015 42% 21% 37% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 18,000 - $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371 $211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in JacksonCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent many familieswithchildrenlivebelowthe ALICE Threshold. Though moreJackson Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthat How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 21% 60% 19%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 2,423 Vehicle

Poverty

Female- Headed Single 10% 28% 62% ALICE

120633

1,086 120632 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 31% 35% 34% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

442

Income 0 500 1,000 1,500 2,000 2,500 3,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Sneads CCD Sneads Marianna CCD Marianna Malone CCD Malone Greenwood CCD Grand Ridge Graceville CCD Graceville Cypress CCD Cottondale CCD Campbellton CCD Alford CCD Town Jackson County, 2015 Total HH 1,556 5,757 3,490 1,298 1,471 1,897 1,290 1,561 758 933 250 337 757 546 % ALICE Poverty 54% 62% 74% 56% 59% 52% 58% 54% 56% 56% 66% 61% 64% 68% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:2,663(49%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INJEFFERSONCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 14,198|NumberofHouseholds: $43,355(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 5,411 Household SurvivalBudget,JeffersonCounty #N/A N/A

Poverty

5,233 2010 18% 33% 49% ALICE

SINGLE ADULT

120651 Above AT Above

5,444 2012 19% 28% 53% $20,700 $11,770

$1,725

$705 $165 $322 $165 $157 $211 $– Total HH Total

5,411 2015 16% 33% 51% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 $53,496 $24,250 $1,033 $4,458 $905 $547 $644 $634 $405 $290 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in Jefferson Countyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreJefferson Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 16% 76% 8%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle Vehicle

566

Poverty

Female- Headed Single 35% 60% 5% ALICE

120653 120652 With Mortgage With

359 No No Mortgage Above AT Above Home

Headed Total HH Total Single Male- N/A Interest, Dividends, or Rental or Dividends, Interest,

Income 0 100 200 300 400 500 600

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Wacissa CCD Monticello CCD Monticello Town Jefferson County, 2015 Total HH 1,802 3,609 945 % ALICE Poverty 42% 53% 57% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:1,435(57%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INLAFAYETTE COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 8,801| Number ofHouseholds: $35,864(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 2,493 Household SurvivalBudget,LafayetteCounty #N/A N/A

Poverty

2,307 2010 14% 33% 53% ALICE

SINGLE ADULT

120671 Above AT Above

2,722 2012 17% 32% 51% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

2,493 2015 23% 34% 43% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 500 1,000 1,500 2,000 2,500 3,000 $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371

$211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in LafayetteCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreLafayette Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 67% 10% 23%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle Vehicle

608

Poverty

Female- Headed Single 100% 0% 0% ALICE

120673 120672 With Mortgage With

208 No No Mortgage Above AT Above Home

Headed Total HH Total Single Male- N/A Interest, Dividends, or Rental or Dividends, Interest,

Income 200 300 400 500 600 700 100 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Mayo CCD Mayo Day CCD Town Lafayette County, 2015 Total HH 2,021 419 472 % ALICE Poverty 57% 59% 58% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:51,456(41%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INLAKECOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 325,875|NumberofHouseholds: $50,305(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 126,519

Household SurvivalBudget,LakeCounty 118,699 2007 27% 65% 8%

Poverty

115,635 2010 12% 53% 35% ALICE

SINGLE ADULT

120691 Above AT Above

115,026

2012 15% 52% 33% $20,736 $11,770

$1,728 $707 $165 $322 $165 $157 $212

$– Total HH Total

126,519 2015 12% 59% 29% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 20,000 40,000 60,000 80,000 100,000 120,000 140,000 $53,712 $24,250 $4,476 $997 $953 $547 $644 $634 $407 $294 Total Households Assets, AllHouseholds,2015 common asset,canbuildwealth,butisnotaliquidasset. the mostcommonasset,depreciateovertime.Homeownership,next income, thatarereadilyavailabletocoveremergencyexpenses.Vehicles, assets, suchasasavingsaccount,401(k)plan,orrental Lake Countyownliquid Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamiliesin What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreLakeCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 74% 18% 8%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles

1 Vehicle 15,235 Vehicle Poverty

Female- Headed Single 34% 36% 30% ALICE

120693

7,164 120692 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 24% 49% 27% Total HH Total

3,828 Interest, Dividends, or Rental or Dividends, Interest,

Income 6,000 8,000 10,000 12,000 14,000 16,000 2,000 4,000 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Clermont CCD Clermont Astor CDP Astatula Lake CCD Fruitland Park-Lady Fruitland Park Eustis CCD Eustis Mount DoraCCD Mount Dora Montverde Minneola Mascotte Leesburg EastCCD Leesburg CCD Leesburg CDP Lake Mack-ForestHills Lake KathrynCDP Lady Lake Okahumpka CCD Howey-in-the-Hills- Howey-in-the-Hills CCD Groveland-Mascotte Groveland Silver LakeCDP Mount PlymouthCDP Yalaha CDP Umatilla CCD Umatilla Tavares CCD Tavares Sorrento CDP Town Lake County, 2015 Total HH 29,373 13,046 10,185 11,007 11,514 1,479 7,150 5,747 3,290 1,488 9,803 9,216 6,936 8,293 9,484 3,345 1,577 1,399 9,227 6,232 8,311 9,110 649 541 520 300 297 527 689 539 215 % ALICE Poverty 38% 68% 50% 49% 49% 57% 35% 41% 44% 49% 49% 58% 61% 50% 36% 39% 39% 46% 28% 71% 81% 24% 24% 39% 37% 50% 49% 49% 52% 19% 74% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:114,083 (43%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INLEECOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 701,982|NumberofHouseholds: $50,651(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 263,694

247,392 Household SurvivalBudget,LeeCounty 2007 20% 71% 9%

Poverty

233,693 2010 13% 36% 51% ALICE

SINGLE ADULT

120711 Above AT Above

245,100

2012 13% 32% 55% $20,676 $11,770

$1,723 $703 $165 $322 $165 $157 $211

$– Total HH Total

263,694 2015 13% 30% 57% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 50,000 100,000 150,000 200,000 250,000 300,000 $52,140 $24,250 $4,345 $896 $963 $547 $644 $634 $395 $266 Total Households Assets, AllHouseholds,2015 common asset,canbuildwealth,butisnotaliquidasset. the mostcommonasset,depreciateovertime.Homeownership,next income, thatarereadilyavailabletocoveremergencyexpenses.Vehicles, Lee Countyownliquidassets,suchasasavingsaccount,401(k)plan,orrental Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamiliesin What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreLeeCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 70% 11% 19%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 30,752 Vehicle Poverty

Female- Headed Single 23% 49% 28% ALICE

120713

14,188 120712 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 28% 51% 21% Total HH Total

6,081 Interest, Dividends, or Rental or Dividends, Interest,

Income 10,000 15,000 20,000 25,000 30,000 35,000 0 5,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Bonita Springs Bokeelia CDP Boca GrandeCCD Alva CDP Bonita SpringsCCD Cape Coral Burnt StoreMarinaCDP Buckingham CDP Cape CoralCCD Estero Cypress LakeCDP Fort Myers Estero IslandCCD Fort MyersCCD Fort MyersBeach Harlem HeightsCDP Gateway CDP Fort MyersShoresCDP Fort MyersShoresCCD Lehigh Acres CCD Lehigh Acres Iona CDP Lehigh Acres CDP Lehigh Acres North FortMyersCCD McGregor CDP Matlacha CDP Estates CDP Lochmoor Waterway North FortMyersCDP Whiskey CreekCDP Villas CDP Tice CDP Three OaksCDP Suncoast EstatesCDP St. JamesCityCDP Sanibel IslandCCD Sanibel San CarlosParkCDP Punta RassaCDP Pine ManorCDP Pine IslandCenterCDP Pine IslandCCD Palmona ParkCDP Page ParkCDP Olga CDP Town Lee County, 2015 Total HH 19,634 42,523 61,251 65,919 13,790 28,441 62,852 46,767 33,574 16,889 19,044 1,521 6,053 4,605 3,604 3,002 1,980 5,096 7,158 3,414 1,746 2,128 4,901 1,188 1,016 1,635 1,834 3,524 3,487 5,953 1,021 1,072 3,754 610 358 819 986 396 420 750 466 233 761 % ALICE Poverty 100% 56% 24% 37% 38% 37% 36% 25% 42% 49% 44% 37% 28% 37% 56% 24% 49% 41% 50% 58% 39% 47% 33% 45% 55% 54% 55% 27% 49% 74% 21% 75% 42% 25% 25% 48% 32% 94% 48% 52% 50% 78% 50% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:44,759(41%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INLEONCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 286,272|NumberofHouseholds: $46,002(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 109,209

Household SurvivalBudget,LeonCounty 107,428 2007 17% 15% 68%

Poverty

108,439 2010 24% 21% 55% ALICE

SINGLE ADULT

120731 Above AT Above

108,915

2012 21% 18% 61% $20,700 $11,770

$1,725 $705 $165 $322 $165 $157 $211

$– Total HH Total

109,209 2015 22% 19% 59% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 20,000 40,000 60,000 80,000 100,000 120,000 $52,260 $24,250 $4,355 $905 $961 $547 $644 $634 $396 $268 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in LeonCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreLeonCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 90% 8% 2%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 15,092 Vehicle Poverty

Female- Headed Single 22% 39% 39% ALICE

120733

7,498 120732 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 26% 36% 38% Total HH Total

1,126 Interest, Dividends, or Rental or Dividends, Interest,

Income 6,000 8,000 10,000 12,000 14,000 16,000 0 2,000 4,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage East LeonCCD Northeast LeonCCD Tallahassee Southwest LeonCCD Southeast LeonCCD Northwest LeonCCD CCD Tallahassee Central Tallahassee EastCCD CCD Tallahassee Northwest CCD Tallahassee Northeast Woodville CDP CCD Tallahassee Southwest Tallahassee SouthCCD Town Leon County, 2015 Total HH 13,940 20,029 74,162 16,672 10,353 10,735 5,235 5,998 9,125 6,789 6,334 5,624 982 % ALICE Poverty 24% 47% 29% 27% 16% 48% 68% 37% 41% 76% 55% 60% 41% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:7,841(50%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INLEVYCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 39,821|NumberofHouseholds: $35,782(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 15,516

Household SurvivalBudget,LevyCounty 14,341 2007 19% 29% 52%

Poverty

15,936 2010 22% 26% 52% ALICE

SINGLE ADULT

120751 Above AT Above

16,180

2012 22% 24% 54% $17,844 $11,770

$1,487

$531 $165 $322 $165 $135 $169 $– Total HH Total

15,516 2015 20% 30% 50% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 18,000 $49,236 $24,250 $1,033 $4,103 $657 $547 $644 $634 $373 $215 Total Households Assets, AllHouseholds,2015 common asset,canbuildwealth,butisnotaliquidasset. the mostcommonasset,depreciateovertime.Homeownership,next income, thatarereadilyavailabletocoveremergencyexpenses.Vehicles, Levy Countyownliquidassets,suchasasavingsaccount,401(k)plan,orrental Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamiliesin What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreLevyCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 68% 16% 16%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle

Vehicle 2,120

Poverty

Female- Headed Single 80% 13% 7% ALICE

120753

120752 With Mortgage With 910

No No Mortgage Above AT Above Home

Headed Single Male- 30% 19% 51% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

315

Income 500 1,000 1,500 2,000 2,500 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Chiefland CCD Cedar Key-Yankeetown Cedar Key Bronson Andrews CDP East BronsonCDP Chiefland CCD Williston-Bronson CCD Williston HighlandsCDP Williston Manatee RoadCDP Inglis Fanning Springs Town Levy County, 2015 Total HH 2,440 4,853 8,223 1,225 342 382 382 720 892 980 635 389 911 % ALICE Poverty 52% 36% 62% 64% 51% 66% 60% 50% 48% 37% 57% 59% 52% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:1,279(52%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INLIBERTYCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 8,295| Number ofHouseholds: $39,406(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 2,433 Household SurvivalBudget,LibertyCounty #N/A N/A

Poverty

2,008 2010 36% 18% 46% ALICE

SINGLE ADULT

120771 Above AT Above

2,355 2012 45% 23% 32% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

2,433 2015 48% 19% 33% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

500 1,000 1,500 2,000 2,500 - $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371

$211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in LibertyCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreLibertyCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 15% 76% 9%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle Vehicle

440

Poverty

Female- Headed Single 42% 58% 0% ALICE

120773 120772 With Mortgage With

102 No No Mortgage Above AT Above Home

Headed Total HH Total Single Male- 72% 13% 15%

Interest, Dividends, or Rental or Dividends, Interest,

145

Income 150 200 250 300 350 400 450 500 0 50 100

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage West LibertyCCD East LibertyCCD Bristol Town Liberty County, 2015 Total HH 1,578 855 363 % ALICE Poverty 57% 43% 54% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:3,725(56%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INMADISONCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 18,729|NumberofHouseholds: $32,164(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 6,614 Household SurvivalBudget,MadisonCounty #N/A N/A

Poverty

6,776 2010 20% 27% 53% ALICE

SINGLE ADULT

120791 Above AT Above

6,877 2012 23% 27% 50% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

6,614 2015 44% 25% 31% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 $46,560 $24,250 $3,880 $643 $887 $547 $644 $634 $353 $172 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in MadisonCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent many familieswithchildrenlivebelowthe ALICE Threshold. Though moreMadison Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthat How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 18% 19% 63%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 1,017 Vehicle

Poverty

Female- Headed Single 18% 61% 21% ALICE

120793

120792 With Mortgage With 468

No No Mortgage Above AT Above Home

Headed Single Male- 73% 15% 12% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

129

Income 0 200 400 600 800 1,000 1,200

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Madison CCD Madison Greenville CCD Town Madison County, 2015 Total HH 5,198 1,123 1,416 % ALICE Poverty 57% 76% 56% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:57,513(43%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INMANATEE COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 363,369|NumberofHouseholds: $50,835(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 134,690 Household SurvivalBudget,ManateeCounty

128,562 2007 26% 65% 9%

Poverty

126,418 2010 12% 51% 37% ALICE

SINGLE ADULT

120811 Above AT Above

130,382

2012 13% 56% 31% $20,184 $11,770

$1,682 $675 $165 $322 $165 $153 $202

$– Total HH Total

134,690 2015 12% 57% 31% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

20,000 40,000 60,000 80,000 100,000 120,000 140,000 160,000 - $55,944 $24,250 $1,120 $4,662 $960 $547 $644 $634 $424 $333 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in ManateeCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent many familieswithchildrenlivebelowthe ALICE Threshold. Though moreManatee Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthat How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 72% 20% 8%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 15,803 Vehicle Poverty

Female- Headed Single 38% 45% 17% ALICE

120813

8,990 120812 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 33% 16% 51% Total HH Total

2,065 Interest, Dividends, or Rental or Dividends, Interest,

Income 8,000 10,000 12,000 14,000 16,000 18,000 0 2,000 4,000 6,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Bradenton Bayshore GardensCDP Anna Maria Bradenton Beach Bradenton CCD Myakka CityCCD Memphis CDP Longboat Key Holmes Beach Ellenton CDP Cortez CDP South BradentonCDP Samoset CDP Parrish CCD Palmetto CCD Palmetto County) Whitfield CDP (Manatee West SamosetCDP West BradentonCDP Town Manatee County, 2015 Total HH 20,649 96,630 17,634 10,331 11,610 7,592 2,699 3,867 1,360 2,063 1,230 8,851 4,859 1,275 1,965 1,616 2,113 587 553 % ALICE Poverty 58% 48% 53% 54% 59% 27% 39% 45% 41% 48% 64% 26% 54% 56% 24% 29% 84% 34% 67% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:59,852(47%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INMARIONCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 343,254|NumberofHouseholds: $40,050(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 125,227 Household SurvivalBudget,MarionCounty

128,822 2007 13% 26% 61%

Poverty

131,753 2010 16% 31% 53% ALICE

SINGLE ADULT

120831 Above AT Above

133,910

2012 16% 32% 52% $17,412 $11,770

$1,451 $504 $165 $322 $165 $132 $163

$– Total HH Total

125,227 2015 16% 31% 53% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 20,000 40,000 60,000 80,000 100,000 120,000 140,000 160,000 $49,788 $24,250 $4,149 $783 $940 $547 $644 $634 $377 $224 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in MarionCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreMarionCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 24% 14% 62%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 12,184 Vehicle Poverty

Female- Headed Single 23% 74% 3% ALICE

120833

6,087 120832 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 45% 30% 25% Total HH Total

1,264 Interest, Dividends, or Rental or Dividends, Interest,

Income 4,000 6,000 8,000 10,000 12,000 14,000 2,000 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Belleview CCD Belleview Dunnellon Fellowship CCD East MarionCCD Dunnellon CCD Ocala CCD Fort McCoy-Anthony Ocala CCD CDP Silver SpringsShores Reddick-McIntosh CCD Town Marion County, 2015 Total HH 45,390 10,985 21,664 52,626 1,821 7,625 5,612 5,383 2,964 4,666 958 % ALICE Poverty 66% 41% 65% 65% 52% 56% 47% 56% 75% 58% 53% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:26,689(41%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INMARTINCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 156,283|NumberofHouseholds: $51,622(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 65,101 Household SurvivalBudget,MartinCounty

59,676 2007 21% 71% 8%

Poverty

60,090 2010 33% 58% 9% ALICE

SINGLE ADULT

120851 Above AT Above

60,783

2012 12% 33% 55% $20,340 $11,770

$1,695

$684 $165 $322 $165 $154 $205 $– Total HH Total

65,101 2015 32% 59% 9% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 10,000 20,000 30,000 40,000 50,000 60,000 70,000 $62,136 $24,250 $1,500 $5,178 $939 $547 $644 $634 $471 $443 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in MartinCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreMartinCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 74% 22% 4%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle

8,696 Vehicle

Poverty

Female- Headed Single 34% 29% 37% ALICE

120853

2,369 120852 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 31% 47% 22% Total HH Total

1,055 Interest, Dividends, or Rental or Dividends, Interest,

Income 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 0 1,000 2,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Sound CCD Port Salerno-Hobe Port SalernoCDP Palm CityCDP North RiverShoresCDP Jupiter Island Jensen BeachCDP Indiantown CDP Indiantown CCD Hobe SoundCDP Rio CDP Sewall’s Point Stuart CCD Stuart Town Martin County, 2015 Total HH 26,439 29,301 4,236 9,558 1,559 5,288 1,484 6,212 5,948 7,418 291 452 811 % ALICE Poverty 50% 28% 49% 48% 62% 42% 53% 16% 41% 46% 59% 19% 43% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I note above. income bracket,fordetailssee ALICE Threshold intoahigher moved theMiami-Dade household size. These changes household costsandincreasing Threshold wasduetoincreasing Dade, theincreasein ALICE axis, dottedyellowline).InMiami- total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset are struggling? How manyhouseholds 65 yearandolderhouseholdsat$45,000. years andolderbudgetof$45,010,weprovidearangehouseholdsusingtwothresholds:under65withincomebelow$50,000$60,000,plus Note: The ALICE ThresholdmethodologyprovidesforThresholdsatUSCensusincomebreaks.With theunder65HouseholdSurvivalbudgetof$56,753anda Households Below ALICE Threshold:467,160to519,810(55%61%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome:$43,786(stateaverage:$49,426) Population: ALICE INMIAMI-DADECOUNTY Household Survival Budget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 2,693,117 |NumberofHouseholds:

HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Child Care Housing Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% Household SurvivalBudget,Miami-DadeCounty 857,712

833,199 2007 54% 16% 30%

Poverty

809,689 2010 21% 43% 36% ALICE

SINGLE ADULT

120861 Above AT Above

838,772

2012 21% 48% 31% $22,488 $11,770

$1,874 $745 $165 $419 $133 $170 $242

$– Total HH Total

857,712 2015 21% 40% 34% 45% 39% to 2 ADULTS, 1INFANT, to

1 PRESCHOOLER

- 100,000 200,000 300,000 400,000 500,000 600,000 700,000 800,000 900,000 1,000,000 $56,760 $24,250 $1,162 $4,730 $900 $547 $837 $506 $430 $348 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, plan, orrentalincome,thatarereadilyavailabletocoveremergencyexpenses. in Miami-DadeCountyownliquidassets,suchasasavingsaccount,401(k) Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreMiami-Dade Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 56% 13% 31%

4+ Vehicles 4+ 145,738 3 Vehicles 2 Vehicles 1 Vehicle Vehicle Poverty

Single Female-Headed Single

36% 52% 12% ALICE

73,262 120863 120862 With Mortgage With

No No Mortgage Above AT Above Home

Single Male-Headed Single

22% 52% 26% Total HH Total

21,377 21,377 Interest, Dividends, or Rental or Dividends, Interest,

Income 0 60,000 80,000 100,000 120,000 140,000 160,000 20,000 40,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-level dataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Aventura Bal Harbour Bay HarborIslands Biscayne Park Coral Gables Cutler Bay Doral El Portal Florida City Hialeah Hialeah Gardens Homestead Key Biscayne Medley Miami Beach Miami Miami Gardens Miami Lakes Miami Shores Miami Springs North BayVillage North MiamiBeach North Miami Opa-locka Palmetto Bay Pinecrest South Miami Sunny IslesBeach Surfside Sweetwater Virginia Gardens West Miami Kendall CDP CDP Fountainebleau Kendale LakesCDP Tamiami CDP CDP The Hammocks CDP S. MiamiHeights Westchester CDP Golden GladesCDP CDP West LittleRiver University ParkCDP Ives EstatesCDP Princeton CDP Leisure CityCDP Sunset CDP Brownsville CDP CDP Olympia Heights Westview CDP West Perrine CDP Goulds CDP Naranja CDP CDP Richmond Heights Town Miami-Dade County, 2015 171,720 Total HH 18,701 17,954 12,848 15,038 71,124 19,154 43,400 29,814 14,150 18,302 10,855 18,175 17,936 16,085 15,687 10,503 26,911 1,521 2,604 1,156 2,794 6,254 4,570 9,794 3,250 4,923 3,219 5,247 7,318 5,980 4,221 2,220 5,533 2,034 9,175 8,935 7,496 6,908 6,598 6,478 5,185 4,890 3,985 2,965 2,899 2,756 2,706 2,569 9,118 883 356 937 42% to47% 49% to50% 41% to47% 40% to42% 30% to34% 39% to45% 34% to41% 48% to53% 83% to86% 71% to76% 56% to61% 59% to66% 24% to28% 82% to84% 48% to55% 66% to72% 62% to68% 37% to44% 23% to25% 46% to53% 50% to58% 61% to68% 64% to70% 86% to91% 23% to27% 21% to25% 43% to48% 51% to55% 32% to34% 68% to74% 49% to57% 59% to63% 36% to43% 57% to65% 50% to57% 52% to58% 40% to48% 62% to69% 53% to58% 63% to70% 65% to71% 55% to60% 51% to60% 50% to56% 66% to73% 36% to42% 81% to86% 41% to46% 68% to72% 61% to65% 71% to75% 76% to82% 60% to70% BAT Range

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:14,509(46%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INMONROECOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 77,482|NumberofHouseholds: $61,020(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Food Child Care Housing Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 31,391 Household SurvivalBudget,MonroeCounty

29,109 2007 10% 18% 72%

Poverty

29,822 2010 31% 10% 59% ALICE

SINGLE ADULT

120871 Above AT Above

29,241

2012 32% 12% 56% $29,208 $11,770

$1,200 $2,434

$165 $322 $165 $221 $361 $– Total HH Total

31,391 2015 34% 12% 54% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 5,000 10,000 15,000 20,000 25,000 30,000 35,000 $68,952 $24,250 $1,200 $1,635 $5,746 $547 $644 $634 $522 $564 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in MonroeCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreMonroeCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 57% 34% 9%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle 3,194 Vehicle

Poverty

Female- Headed Single 40% 16% 44% ALICE

120873

1,101 120872 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 48% 32% 20% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

565

Income 1,000 1,500 2,000 2,500 3,000 3,500 0 500

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Upper KeysCCD Tavernier CDP Stock IslandCDP North KeyLargoCDP Middle KeysCCD Marathon Lower KeysCCD Key West CCD Key West Key LargoCDP Key ColonyBeach Islamorada Cudjoe KeyCDP Big PineKeyCDP Big CoppittKeyCDP Town Monroe County, 2015 Total HH 11,972 8,139 1,162 3,819 3,003 4,976 9,524 4,207 2,613 1,922 897 401 391 951 880 % ALICE Poverty 48% 66% 52% 56% 44% 52% 52% 49% 47% 49% 54% 23% 31% 45% 45% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:11,156 (37%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INNASSAUCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 78,444|NumberofHouseholds: $52,005(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 29,674 Household SurvivalBudget,NassauCounty

25,521 2007 20% 71% 9%

Poverty

28,616 2010 10% 22% 68% ALICE

SINGLE ADULT

120891 Above AT Above

27,334

2012 11% 23% 66% $19,416 $11,770

$1,618

$628 $165 $322 $165 $147 $191 $– Total HH Total

29,674 2015 11% 26% 63% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 5,000 10,000 15,000 20,000 25,000 30,000 35,000 $53,088 $24,250 $4,424 $931 $983 $547 $644 $634 $402 $283 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in NassauCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreNassauCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 13% 13% 74%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle 4,540 Vehicle

Poverty

Female- Headed Single 30% 33% 37% ALICE

120893

1,520 120892 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 21% 29% 50% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

984

Income 1,500 2,000 2,500 3,000 3,500 4,000 4,500 5,000 0 500 1,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Yulee CDP Yulee CCD CDP Nassau Village-Ratliff Hilliard Fernandina BeachCCD Fernandina Beach Callahan-Hilliard CCD Callahan Town Nassau County, 2015 Total HH 4,179 9,653 1,788 1,047 9,475 5,367 9,178 540 % ALICE Poverty 34% 35% 35% 43% 30% 33% 39% 65% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:25,445(33%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INOKALOOSACOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 198,664|NumberofHouseholds: $55,659(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 76,721 Household SurvivalBudget,OkaloosaCounty

73,559 2007 13% 78% 9%

Poverty

70,407 2010 20% 12% 68% ALICE

SINGLE ADULT

120911 Above AT Above

75,099

2012 22% 13% 65% $20,940 $11,770

$1,745

$719 $165 $322 $165 $159 $215 $– Total HH Total

76,721 2015 67% 24% 9% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 $53,100 $24,250 $1,010 $4,425 $905 $547 $644 $634 $402 $283 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in OkaloosaCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreOkaloosa Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 82% 10% 8%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles

1 Vehicle 13,687 Vehicle Poverty

Female- Headed Single 28% 40% 32% ALICE

120913

5,085 120912 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 44% 27% 29% Total HH Total

1,567 Interest, Dividends, or Rental or Dividends, Interest,

Income 6,000 8,000 10,000 12,000 14,000 16,000 2,000 4,000 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Crestview CCD Crestview Baker CCD Eglin AFB CDP Eglin AFB CCD Eglin AFB Destin Fort Walton BeachCCD Fort Walton Beach Laurel HillCCD Lake LorraineCDP CCD Niceville-Valparaiso Niceville Mary Esther Shalimar Ocean CityCDP Wright CDP Valparaiso Town Okaloosa County, 2015 Total HH 16,874 39,078 13,730 10,210 7,983 2,844 1,559 5,702 8,502 3,093 5,441 1,766 2,467 1,603 928 799 292 % ALICE Poverty 40% 40% 52% 27% 33% 55% 40% 40% 35% 48% 34% 30% 38% 27% 23% 36% 41% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:7,620(58%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INOKEECHOBEECOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 39,255|NumberofHouseholds: $35,405(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% Household SurvivalBudget,OkeechobeeCounty 13,046

12,732 2007 15% 35% 50%

Poverty

13,646 2010 19% 34% 47% ALICE

SINGLE ADULT

120931 Above AT Above

13,413

2012 23% 38% 39% $17,472 $11,770

$1,456

$508 $165 $322 $165 $132 $164 $– Total HH Total

13,046 2015 23% 35% 42% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 - $49,260 $24,250 $1,000 $4,105 $692 $547 $644 $634 $373 $215 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, plan, orrentalincome,thatarereadilyavailabletocoveremergencyexpenses. in OkeechobeeCountyownliquidassets,suchasasavingsaccount,401(k) Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreOkeechobee Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 26% 19% 55%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 1,961 Vehicle

Poverty

Female- Headed Single 24% 70% 6% ALICE

120933

1,257 120932 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 20% 33% 47% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

343

Income 0 500 1,000 1,500 2,000 2,500

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Okeechobee CCD Okeechobee North OkeechobeeCCD Cypress QuartersCDP Taylor CreekCDP Town Okeechobee County, 2015 Total HH 10,777 1,909 2,269 1,748 427 % ALICE Poverty 57% 61% 70% 61% 58% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:199,826(43%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INORANGECOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 1,288,126|NumberofHouseholds: $50,720(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% Household SurvivalBudget,OrangeCounty 457,736

394,584 2007 11% 21% 68%

Poverty

402,441 2010 15% 34% 51% ALICE

SINGLE ADULT

120951 Above AT Above

423,987

2012 16% 32% 52% $20,736 $11,770

$1,728 $707 $165 $322 $165 $157 $212

$– Total HH Total

457,736 2015 14% 29% 57% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 50,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 450,000 500,000 $55,200 $24,250 $1,040 $4,600 $997 $547 $644 $634 $418 $320 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in OrangeCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreOrangeCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 75% 10% 15%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 84,694 Vehicle Poverty

Female- Headed Single 20% 41% 39% ALICE

120953

43,661 120952 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 43% 25% 32% Total HH Total

14,670 14,670 Interest, Dividends, or Rental or Dividends, Interest,

Income 40,000 50,000 60,000 70,000 80,000 90,000 0 10,000 20,000 30,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Alafaya CDP Apopka Apopka CCD Ocoee Oakland Oak RidgeCDP Meadow Woods CDP Maitland Lockhart CDP Lake MaryJaneCDP Lake ButlerCDP Hunters CreekCDP Horizon West CDP Holden HeightsCDP Gotha CDP Fairview ShoresCDP Edgewood Eatonville East OrangeCCD Doctor PhillipsCDP Conway CDP Clarcona CDP Christmas CDP Bithlo CDP Belle Isle Bay HillCDP Azalea ParkCDP Orlando CCD Orlando Pine HillsCDP Pine CastleCDP Orlovista CDP Southwest OrangeCCD Southchase CDP CDP South Apopka Sky LakeCDP Rio PinarCDP Union ParkCCD Tildenville CDP Tangerine CDP Tangelo ParkCDP Taft CDP Winter Garden Windermere Williamsburg CDP Wedgefield CDP County) University CDP (Orange Union ParkCDP CCD Winter Garden-Ocoee Zellwood CDP Winter Park Town Orange County, 2015 216,173 111,100 Total HH 28,286 15,688 31,695 12,964 23,027 65,488 75,352 12,318 32,492 13,119 11,793 7,540 8,710 7,049 5,145 5,562 7,784 6,465 1,405 4,207 1,037 4,101 5,457 1,158 2,735 2,388 1,864 4,545 3,630 2,053 4,612 1,586 1,916 1,822 1,132 3,462 2,525 6,198 3,614 1,461 831 506 566 581 859 616 920 773 685 % ALICE Poverty 34% 39% 33% 26% 68% 45% 31% 46% 37% 16% 32% 20% 58% 14% 54% 30% 71% 20% 33% 65% 51% 43% 23% 30% 62% 41% 50% 35% 65% 64% 53% 58% 37% 60% 59% 20% 60% 40% 55% 69% 33% 20% 40% 34% 61% 51% 43% 36% 38% 55% 45% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:58,397(60%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INOSCEOLACOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 323,993|NumberofHouseholds: $45,244(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 98,301 Household SurvivalBudget,OsceolaCounty

93,376 2007 10% 29% 61%

Poverty

88,089 2010 40% 15% 45% ALICE

SINGLE ADULT

120971 Above AT Above

90,822

2012 39% 18% 43% $20,736 $11,770

$1,728

$707 $165 $322 $165 $157 $212 $– Total HH Total

98,301 2015 40% 42% 18% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 20,000 40,000 60,000 80,000 100,000 120,000 $52,788 $24,250 $4,399 $997 $900 $547 $644 $634 $400 $277 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in OsceolaCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent many familieswithchildrenlivebelowthe ALICE Threshold. Though moreOsceola Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthat How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 18% 33% 49%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 21,057 Vehicle Poverty

Female- Headed Single 52% 44% 4% ALICE

120973

7,870 120972 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 13% 36% 51% Total HH Total

1,582 Interest, Dividends, or Rental or Dividends, Interest,

Income 5,000 10,000 15,000 20,000 25,000 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Kissimmee Four CornersCDP Celebration CDP Campbell CDP CDP Buenaventura Lakes Kissimmee CCD St. Cloud CCD South andEastOsceola St. CloudCCD Town Osceola County, 2015 Total HH 22,823 47,837 13,465 42,097 11,464 2,687 1,226 8,543 2,404 % ALICE Poverty 55% 31% 63% 67% 64% 46% 66% 56% 57% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:218,952(40%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INPALMBEACHCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 1,422,789|NumberofHouseholds: $56,664(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Food Child Care Housing Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% Household SurvivalBudget,PalmBeachCounty 545,780

507,763 2007 30% 61% 9%

Poverty

516,845 2010 12% 29% 59% ALICE

SINGLE ADULT

120991 Above AT Above

522,201

2012 12% 29% 59% $22,608 $11,770

$1,884 $165 $752 $419 $133 $171 $244

$– Total HH Total

545,780 2015 12% 28% 60% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 100,000 200,000 300,000 400,000 500,000 600,000 $61,776 $24,250 $1,147 $1,206 $5,148 $547 $837 $506 $468 $437 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, plan, orrentalincome,thatarereadilyavailabletocoveremergencyexpenses. in PalmBeachCountyownliquidassets,suchasasavingsaccount,401(k) Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though morePalmBeach Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 17% 10% 73%

4+ Vehicles 4+

3 Vehicles 2 Vehicles 87,778 1 Vehicle Vehicle Poverty

Single Female-Headed Single

37% 26% 37% ALICE

32,814 120993 120992 With Mortgage With

No No Mortgage Above AT Above Home

Single Male-Headed Single

38% 30% 32% Total HH Total

12,251 Interest, Dividends, or Rental or Dividends, Interest,

Income 0 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 100,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Boca Raton CCD Belle Glade-Pahokee Belle Glade Atlantis Boca RatonCCD Boynton Beach Beach CCD Boynton Beach-Delray Delray Beach Cabana ColonyCDP Briny Breezes Greenacres Jupiter Juno RidgeCDP Juno Beach Hypoluxo Highland Beach Haverhill Gun ClubEstatesCDP Gulf Stream Jupiter CCD Lake Worth Lake Park Lake ClarkeShores CDP Lake BelvedereEstates Kenwood EstatesCDP Jupiter FarmsCDP Lake Worth CCD Palm BeachGardens Palm Beach Pahokee Ocean Ridge North PalmBeach Mangonia Park Loxahatchee Groves Limestone CreekCDP Lantana Riviera BeachCCD Riviera Beach Park CDP Plantation MobileHome CDP Pine Air Palm Springs Palm BeachShores Jupiter CCD Royal PalmBeach-West Royal PalmBeach Sunshine ParkwayCCD South PalmBeach South Bay Seminole ManorCDP Schall CircleCDP San CastleCDP Royal PalmEstatesCDP Wellington Watergate CDP CDP The Acreage Tequesta West Palm Beach West Palm BeachCCD Westgate CDP WesternCommunity CCD Town Palm BeachCounty, 2015 136,295 Total HH 40,551 58,068 29,848 27,741 13,305 24,536 36,810 12,784 74,418 22,945 42,352 37,692 71,218 19,959 41,168 58,959 11,570 11,354 11,205 9,504 5,715 1,982 1,330 2,026 2,942 1,528 3,965 4,738 1,822 6,092 1,006 3,884 7,684 1,078 2,534 2,187 9,072 920 849 497 318 630 339 310 936 383 842 616 296 291 637 650 804 595 912 388 799 972 % ALICE Poverty 73% 72% 25% 32% 33% 45% 42% 46% 43% 42% 70% 33% 30% 24% 46% 63% 18% 53% 32% 55% 34% 28% 58% 21% 32% 60% 21% 71% 32% 35% 74% 30% 51% 52% 57% 53% 70% 65% 68% 38% 31% 32% 44% 37% 68% 63% 85% 50% 61% 31% 58% 27% 41% 30% 28% 48% 76% 24% 57% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:80,857(42%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INPASCOCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 497,909|NumberofHouseholds: $46,133(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 192,628 Household SurvivalBudget,PascoCounty

183,910 2007 11% 28% 61%

Poverty

183,457 2010 14% 32% 54% ALICE

SINGLE ADULT

121011 Above AT Above

180,612

2012 12% 33% 55% $19,128 $11,770

$1,594 $610 $165 $322 $165 $145 $187

$– Total HH Total

192,628 2015 14% 28% 58% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 50,000 100,000 150,000 200,000 250,000 $55,536 $24,250 $1,097 $4,628 $959 $547 $644 $634 $421 $326 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in PascoCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though morePascoCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 78% 14% 8%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 31,727 Vehicle Poverty

Female- Headed Single 26% 34% 40% ALICE

121013

9,770 121012 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 51% 27% 22% Total HH Total

4,818 Interest, Dividends, or Rental or Dividends, Interest,

Income 10,000 15,000 20,000 25,000 30,000 35,000 0 5,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Bayonet PointCDP Central PascoCCD Beacon SquareCDP New PortRicheyCCD New PortRichey Moon LakeCDP Meadow OaksCDP Land O’ LakesCDP Lacoochee CDP Lacoochee CCD Key Vista CDP Jasmine EstatesCDP Hudson CDP Holiday CDP Heritage PinesCDP Elfers CDP Dade CityNorthCDP Dade CityCCD Dade City Crystal SpringsCDP Port RicheyCCD Port Richey Pasadena HillsCDP Odessa CDP CDP New PortRicheyEast Wesley ChapelCDP Trinity CDP Shady HillsCDP San Antonio River RidgeCDP Quail RidgeCDP Zephyrhills CCD Zephyrhills Zephyrhills West CDP Zephyrhills SouthCDP Zephyrhills NorthCDP Town Pasco County, 2015 Total HH 10,974 43,746 66,208 44,677 16,444 23,947 11,893 2,580 6,575 1,675 2,127 7,423 5,457 8,820 1,081 5,482 5,613 2,663 1,295 3,444 2,515 3,972 4,027 3,925 6,409 2,723 2,601 1,286 1,811 960 513 559 798 345 423 495 % ALICE Poverty 62% 57% 63% 63% 25% 52% 62% 51% 62% 24% 61% 56% 60% 24% 45% 67% 19% 64% 70% 47% 40% 35% 59% 46% 17% 50% 23% 52% 28% 37% 51% 20% 49% 51% 56% 48% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:165,421(41%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INPINELLASCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 949,827|NumberofHouseholds: $47,618(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 400,209 Household SurvivalBudget,PinellasCounty

402,203 2007 11% 26% 63%

Poverty

402,202 2010 13% 29% 58% ALICE

SINGLE ADULT

121031 Above AT Above

404,856

2012 12% 28% 60% $19,128 $11,770

$1,594 $610 $165 $322 $165 $145 $187

$– Total HH Total

400,209 2015 13% 28% 59% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 50,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 450,000 $57,996 $24,250 $1,240 $4,833 $959 $547 $644 $634 $439 $370 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in PinellasCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though morePinellasCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 79% 13% 8%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles

1 Vehicle 42,790 Vehicle Poverty

Female- Headed Single 27% 39% 34% ALICE

121033

19,238 121032 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 34% 19% 47% Total HH Total

6,845 Interest, Dividends, or Rental or Dividends, Interest,

Income 20,000 25,000 30,000 35,000 40,000 45,000 0 5,000 10,000 15,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Boca CiegaCCD Belleair Bluffs Belleair Beach Belleair Bear CreekCDP Bay PinesCDP Bardmoor CDP Clearwater Clearwater CCD Dunedin East LakeCDP Largo Kenneth City Indian Shores Indian RocksBeach Harbor BluffsCDP Gulfport Greenbriar CDP Feather SoundCDP North RedingtonBeach Madeira Beach Lealman CDP Palm HarborCDP Oldsmar Pinellas Park St. Petersburg St. PeteBeachCCD St. PeteBeach South Pasadena South HighpointCDP Seminole Safety Harbor Ridgecrest CDP Redington Shores Redington Beach St. PetersburgCCD Tarpon SpringsCCD Tarpon Springs West Lealman CDP Treasure Island Tierra Verde CDP Town Pinellas County, 2015 139,857 103,788 166,259 Total HH 30,600 46,240 16,656 13,041 35,192 26,423 20,981 57,398 1,196 1,737 1,401 3,845 1,815 2,132 1,149 5,925 1,767 2,296 8,682 5,038 8,539 5,077 3,255 1,646 8,360 7,158 1,039 1,189 9,809 7,506 3,566 1,631 723 899 843 981 741 713 % ALICE Poverty 41% 22% 39% 43% 21% 42% 39% 41% 44% 42% 50% 31% 19% 49% 26% 25% 33% 36% 42% 63% 47% 26% 36% 35% 34% 33% 52% 57% 40% 33% 57% 35% 47% 21% 42% 46% 42% 56% 34% 15% 35% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:113,909 (51%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INPOLKCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 650,092|NumberofHouseholds: $44,061(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 227,122

225,873 Household SurvivalBudget,PolkCounty 2007 12% 22% 66%

Poverty

221,073 2010 15% 29% 56% ALICE

SINGLE ADULT

121051 Above AT Above

223,507

2012 16% 28% 56% $19,572 $11,770

$1,631 $637 $165 $322 $165 $148 $194

$– Total HH Total

227,122 2015 15% 36% 49% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 50,000 100,000 150,000 200,000 250,000 $50,832 $24,250 $4,236 $830 $953 $547 $644 $634 $385 $243 Total Households Assets, AllHouseholds,2015 common asset,canbuildwealth,butisnotaliquidasset. the mostcommonasset,depreciateovertime.Homeownership,next income, thatarereadilyavailabletocoveremergencyexpenses.Vehicles, Polk Countyownliquidassets,suchasasavingsaccount,401(k)plan,orrental Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamiliesin What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though morePolkCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 13% 24% 63%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 34,330 Vehicle Poverty

Female- Headed Single 15% 51% 34% ALICE

121053

15,668 121052 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 16% 52% 32% Total HH Total

4,608 Interest, Dividends, or Rental or Dividends, Interest,

Income 15,000 20,000 25,000 30,000 35,000 40,000 0 5,000 10,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Bartow CCD Bartow Babson ParkCDP Auburndale Alturas CDP Crooked LakeParkCDP CDP Combee Settlement Haines CityCCD Haines City Grenelefe CDP Fussels CornerCDP Fuller HeightsCDP Frostproof CCD Frostproof Fort Meade Eagle Lake Dundee Davenport Cypress GardensCDP Crystal LakeCDP Lake Hamilton Lake Alfred Kathleen CDP Jan PhylVillage CDP Inwood CDP Highland CityCDP Lake Wales CCD Lake Wales Lakeland Lakeland CCD Poinciana CDP Mulberry Medulla CDP Loughman CDP CDP Lakeland Highlands Winter Haven Willow OakCDP Waverly CDP Wahneta CDP Polk City Auburndale CCD Winter Haven- Town Polk County, 2015 Total HH 20,451 44,107 16,361 38,975 92,789 17,275 14,120 44,129 5,931 1,249 2,035 6,867 2,125 3,328 3,544 1,826 1,430 1,021 3,561 2,048 1,924 2,043 1,617 2,256 3,525 5,427 1,567 3,130 1,055 3,996 1,770 1,181 4,711 1,119 318 612 743 872 364 374 743 % ALICE Poverty 50% 53% 47% 49% 73% 48% 66% 63% 55% 39% 56% 55% 49% 66% 54% 40% 68% 48% 50% 59% 51% 55% 70% 37% 50% 44% 57% 55% 55% 65% 44% 55% 23% 50% 62% 70% 58% 72% 52% 56% 53% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:14,729(52%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INPUTNAMCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 72,023|NumberofHouseholds: $31,483(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 28,165 Household SurvivalBudget,PutnamCounty

28,237 2007 17% 26% 57%

Poverty

29,093 2010 25% 20% 55% ALICE

SINGLE ADULT

121071 Above AT Above

28,230

2012 21% 28% 51% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

28,165 2015 48% 28% 24% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 5,000 10,000 15,000 20,000 25,000 30,000 35,000 $44,028 $24,250 $3,669 $644 $730 $547 $644 $634 $334 $136 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in PutnamCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though morePutnamCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 13% 25% 62%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 2,899 Vehicle

Poverty

Female- Headed Single 19% 70% 11% ALICE

121073

2,075 121072 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 52% 39% Total HH Total 9%

Interest, Dividends, or Rental or Dividends, Interest,

512

Income 0 1,000 1,500 2,000 2,500 3,000 3,500 500

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Welaka Pomona Park Palatka CCD Palatka CCD Interlachen-Florahome Interlachen East PalatkaCDP East PalatkaCCD Crescent CityCCD Crescent City Town Putnam County, 2015 Total HH 8,568 3,827 9,285 3,438 6,392 280 285 538 508 725 % ALICE Poverty 55% 72% 50% 49% 55% 57% 58% 59% 45% 61% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:20,080(33%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INSANTA ROSACOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 167,040|NumberofHouseholds: $59,682(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% Household SurvivalBudget,SantaRosaCounty 60,861

52,428 2007 11% 21% 68%

Poverty

55,339 2010 11% 26% 63% ALICE

SINGLE ADULT

121131 Above AT Above

58,336

2012 20% 71% 9% $19,176 $11,770

$1,598

$613 $165 $322 $165 $145 $188 $– Total HH Total

60,861 2015 11% 22% 67% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 10,000 20,000 30,000 40,000 50,000 60,000 70,000 $51,000 $24,250 $4,250 $828 $965 $547 $644 $634 $386 $246 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, plan, orrentalincome,thatarereadilyavailabletocoveremergencyexpenses. in SantaRosaCountyownliquidassets,suchasasavingsaccount,401(k) Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreSantaRosa Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 78% 15% 7%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 13,660 Vehicle Poverty

Female- Headed Single 22% 61% 17% ALICE

121133

3,400 121132 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 47% 47% 6% Total HH Total

1,238 Interest, Dividends, or Rental or Dividends, Interest,

Income 6,000 8,000 10,000 12,000 14,000 16,000 0 2,000 4,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Holley-Navarre CCD Holley CDP Harold CDP Harold CCD Gulf BreezeCCD East MiltonCDP East MiltonCCD Chumuckla CDP Berrydale CCD Bagdad CDP Bagdad CCD Avalon-Mulat CCD Allentown CDP Allentown CCD Munson CCD Milton CCD Milton Rosa County) Midway CDP (Santa Midway CCD Jay CCD Navarre BeachCCD Navarre CDP Woodlawn BeachCDP Wallace CDP Tiger PointCDP Skyline CCD Point BakerCDP Pea RidgeCDP Pace CDP Pace CCD Oriole BeachCDP Town Santa RosaCounty, 2015 Total HH 12,741 12,195 11,538 2,366 2,814 2,998 1,494 2,421 2,341 4,312 3,762 6,903 9,401 1,453 1,212 5,907 1,181 1,412 7,663 546 343 421 300 731 376 910 574 518 741 604 545 % ALICE Poverty 26% 49% 48% 50% 52% 28% 30% 25% 35% 33% 44% 22% 31% 45% 46% 36% 32% 39% 29% 51% 20% 37% 41% 53% 31% 32% 29% 18% 36% 31% 8% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:59,332(33%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INSARASOTA COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 405,549|NumberofHouseholds: $56,286(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 177,807 Household SurvivalBudget,SarasotaCounty

168,324 2007 23% 69% 8%

Poverty

163,030 2010 10% 33% 57% ALICE

SINGLE ADULT

121151 Above AT Above

172,973

2012 11% 28% 61% $20,184 $11,770

$1,682 $675 $165 $322 $165 $153 $202

$– Total HH Total

177,807 2015 25% 67% 8% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 20,000 40,000 60,000 80,000 100,000 120,000 140,000 160,000 180,000 200,000 $56,520 $24,250 $1,153 $4,710 $960 $547 $644 $634 $428 $344 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in SarasotaCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreSarasota Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 79% 15% 6%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles

1 Vehicle 18,372 Vehicle Poverty

Female- Headed Single 36% 42% 22% ALICE

121153

7,937 121152 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 35% 34% 31% Total HH Total

1,956 Interest, Dividends, or Rental or Dividends, Interest,

Income 6,000 8,000 10,000 12,000 14,000 16,000 18,000 20,000 0 2,000 4,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Osprey CCD Gulf GateEstates- Gulf GateEstatesCDP Fruitville CDP Englewood CDP Englewood CCD Desoto LakesCDP Bee RidgeCDP Interior CountyCCD North Port Nokomis CDP Longboat KeyCCD Laurel CDP Lake SarasotaCDP Kensington ParkCDP North PortCCD Sarasota CDP Ridge Wood Heights Plantation CDP Osprey CDP North SarasotaCDP Sarasota CCD Venice CCD Venice Vamo CDP The MeadowsCDP Southgate CDP South Venice CDP South SarasotaCDP South GateRidgeCDP Siesta KeyCDP Sarasota SpringsCDP CDP Warm MineralSprings Venice GardensCDP Town Sarasota County, 2015 Total HH 14,190 15,196 22,580 24,971 23,461 79,818 32,735 11,524 5,287 5,716 7,496 5,786 1,341 4,453 1,414 2,489 4,389 1,635 1,500 2,050 2,734 2,916 3,087 2,519 2,184 3,366 6,252 2,418 2,528 2,983 6,098 2,571 3,367 % ALICE Poverty 48% 36% 44% 43% 34% 35% 34% 47% 24% 38% 31% 51% 30% 38% 40% 28% 25% 56% 38% 48% 38% 36% 28% 48% 44% 40% 40% 26% 37% 40% 41% 37% 40% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:61,100(37%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INSEMINOLECOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 449,144|NumberofHouseholds: $57,074(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 162,739 Household SurvivalBudget,SeminoleCounty

152,559 2007 25% 67% 8%

Poverty

142,045 2010 10% 31% 59% ALICE

SINGLE ADULT

121171 Above AT Above

148,858

2012 12% 28% 60% $20,736 $11,770

$1,728 $707 $165 $322 $165 $157 $212

$– Total HH Total

162,739 2015 27% 10% 63% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 20,000 40,000 60,000 80,000 100,000 120,000 140,000 160,000 180,000 $56,592 $24,250 $1,120 $4,716 $997 $547 $644 $634 $429 $345 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in SeminoleCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreSeminole Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 78% 13% 9%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles

1 Vehicle 29,587 Vehicle Poverty

Female- Headed Single 34% 35% 31% ALICE

121173

10,398 121172 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 41% 44% 15% Total HH Total

3,046 Interest, Dividends, or Rental or Dividends, Interest,

Income 10,000 15,000 20,000 25,000 30,000 35,000 0 5,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Altamonte Springs Black HammockCDP Casselberry Springs CCD Casselberry-Altamonte Chuluota CDP Geneva CDP Forest CityCDP Fern ParkCDP Oviedo County) Midway CDP (Seminole Longwood Lake Mary Heathrow CDP Goldenrod CDP Oviedo CCD Sanford Sanford CCD Winter Springs Wekiwa SpringsCDP Town Seminole County, 2015 Total HH 16,709 10,694 75,543 10,721 31,236 19,039 45,481 11,891 4,705 3,226 4,780 5,375 2,308 4,755 8,375 388 778 534 811 % ALICE Poverty 44% 54% 52% 40% 38% 44% 32% 26% 37% 23% 30% 52% 72% 22% 28% 55% 33% 22% 39% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:23,812(28%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INST. JOHNS COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 226,640|NumberofHouseholds: $70,379(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Taxes Miscellaneous Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 83,247 Household SurvivalBudget,St.JohnsCounty

67,040 2007 21% 73% 6%

Poverty

74,471 2010 69% 14% 17% ALICE

SINGLE ADULT

121091 Above AT Above

78,295

2012 10% 20% 70% $19,416 $11,770

$1,618

$628 $165 $322 $165 $191 $147 $– Total HH Total

83,247 2015 17% 11% 72% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 $54,276 $24,250 $1,052 $4,523 $931 $547 $644 $634 $304 $411 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in St.JohnsCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreSt.Johns Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 89% 2% 9%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles

1 Vehicle 18,021 Vehicle Poverty

Female- Headed Single 38% 30% 32% ALICE

121093

4,061 121092 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 40% 57% 3% Total HH Total

1,315 Interest, Dividends, or Rental or Dividends, Interest,

Income 6,000 8,000 10,000 12,000 14,000 16,000 18,000 20,000 0 2,000 4,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Fruit CoveCCD Flagler EstatesCDP Crescent BeachCDP Butler BeachCDP Fruit CoveCDP Ponte Vedra CCD Palm Valley CDP Nocatee CDP Matanzas CCD Hastings CCD St. Augustine CCD St. Augustine Beach St. Augustine St. Augustine Sawgrass CDP World GolfVillage CDP Villano BeachCDP CDP South St. Augustine CDP Shores St. Augustine Town St. JohnsCounty, 2015 Total HH 13,609 10,066 12,191 41,860 1,015 2,641 8,767 2,321 7,130 4,452 2,926 5,477 2,531 4,624 1,044 2,144 3,721 487 % ALICE Poverty 50% 34% 36% 15% 26% 18% 41% 49% 17% 24% 48% 27% 25% 17% 33% 32% 47% 34% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:50,645(46%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INST. LUCIE COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 298,563|NumberofHouseholds: $45,905(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 108,811 Household SurvivalBudget,St.LucieCounty

102,475 2007 24% 67% 9%

Poverty

104,982 2010 15% 38% 47% ALICE

SINGLE ADULT

121111 Above AT Above

109,526

2012 15% 34% 51% $20,340 $11,770

$1,695 $684 $165 $322 $165 $154 $205

$– Total HH Total

108,811 2015 16% 30% 54% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 20,000 40,000 60,000 80,000 100,000 120,000 $53,856 $24,250 $1,020 $4,488 $939 $547 $644 $634 $408 $296 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in St.LucieCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent many familieswithchildrenlivebelowthe ALICE Threshold. Though moreSt.Lucie Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthat How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 11% 25% 64%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 16,487 Vehicle Poverty

Female- Headed Single 54% 37% 9% ALICE

121113

7,253 121112 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 27% 59% 14% Total HH Total

2,209 Interest, Dividends, or Rental or Dividends, Interest,

Income 8,000 10,000 12,000 14,000 16,000 18,000 2,000 4,000 6,000 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Fort Pierce Fort PierceCCD Port St.Lucie Lakewood ParkCDP CDP Indian RiverEstates South CDP Hutchinson Island Hutchinson IslandCCD Fort PierceSouthCDP Fort PierceNorthCDP Port St.LucieCCD White CityCDP West St.LucieCCD River ParkCDP Town St. LucieCounty, 2015 Total HH 16,522 42,984 61,310 56,787 4,839 2,691 3,105 5,145 1,837 2,341 1,333 2,982 2,517 % ALICE Poverty 71% 44% 52% 35% 36% 69% 73% 60% 40% 40% 45% 67% 44% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Population: ALICE INSUMTERCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost Households Below ALICE Threshold:19,982(42%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: 118,891 |NumberofHouseholds: $51,335(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 48,039 Household SurvivalBudget,SumterCounty

35,706 2007 12% 75% 13%

Poverty

40,659 2010 19% 10% 71% ALICE

SINGLE ADULT

121191 Above AT Above

45,122

2012 24% 10% 66% $19,536 $11,770

$1,628

$635 $165 $322 $165 $148 $193 $– Total HH Total

48,039 2015 32% 10% 58% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 10,000 20,000 30,000 40,000 50,000 60,000 $50,184 $24,250 $4,182 $786 $960 $547 $644 $634 $380 $231 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in SumterCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreSumterCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 16% 66% 18%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle 1,757 Vehicle

Poverty

Female- Headed Single 36% 59% 5% ALICE

121193

121192 With Mortgage With 944

No No Mortgage Above AT Above Home

Headed Single Male- 33% 43% 24% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

330

Income 0 600 800 1,000 1,200 1,400 1,600 1,800 2,000 200 400

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage The Villages CDP Lake PanasoffkeeCDP Coleman Center Hill CCD Bushnell-Center Hill Bushnell Webster Wildwood CCD Wildwood Town Sumter County, 2015 Total HH 36,306 39,196 1,462 8,843 1,151 2,608 233 392 286 % ALICE Poverty 60% 61% 63% 70% 77% 33% 65% 56% 37% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:7,556(48%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INSUWANNEE COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 43,595|NumberofHouseholds: $36,289(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Taxes Miscellaneous Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 15,649 Household SurvivalBudget,SuwanneeCounty

12,527 2007 14% 30% 56%

Poverty

16,018 2010 19% 23% 58% ALICE

SINGLE ADULT

121211 Above AT Above

15,697

2012 22% 22% 56% $15,456 $11,770

$1,288

$383 $165 $322 $165 $136 $117 $– Total HH Total

15,649 2015 22% 26% 52% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 18,000 $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371 $211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, plan, orrentalincome,thatarereadilyavailabletocoveremergencyexpenses. in SuwanneeCountyownliquidassets,suchasasavingsaccount,401(k) Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreSuwannee Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 23% 22% 55%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 2,403 Vehicle

Poverty

Female- Headed Single 73% 14% 13% ALICE

121213

1,154 121212 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 68% 27% Total HH Total 5%

Interest, Dividends, or Rental or Dividends, Interest,

485

Income 0 500 1,000 1,500 2,000 2,500 3,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage McAlpin-Wellborn CCD Live OakCCD Live Oak Dowling ParkCCD Branford CCD Branford Town Suwannee County, 2015 Total HH 3,317 6,598 2,501 3,198 2,536 297 % ALICE Poverty 48% 51% 68% 46% 45% 54% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:4,144(55%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INTAYLOR COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 22,685|NumberofHouseholds: $36,181(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 7,605 Household SurvivalBudget,Taylor County #N/A N/A

Poverty

7,584 2010 19% 36% 45% ALICE

SINGLE ADULT

121231 Above AT Above

7,776 2012 16% 37% 47% $17,664 $11,770

$1,472

$519 $165 $322 $165 $134 $167 $– Total HH Total

7,605 2015 17% 38% 45% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 $48,060 $24,250 $4,005 $643 $978 $547 $644 $634 $364 $195 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in Taylor Countyownliquidassets,suchasasavingsaccount, 401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though more Taylor County Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 33% 64% 3%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 1,030 Vehicle

Poverty

Female- Headed Single 41% 45% 14% ALICE

121233

121232 With Mortgage With 467

No No Mortgage Above AT Above Home

Headed Single Male- 66% 14% 20% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

183

Income 0 200 400 600 800 1,000 1,200

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Steinhatchee CDP Perry SouthCCD Perry NorthCCD Perry Town Taylor County, 2015 Total HH 2,074 5,531 2,695 551 % ALICE Poverty 53% 55% 65% 51% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:2,716(70%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INUNIONCOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 15,191|NumberofHouseholds: $39,163(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 3,883 Household SurvivalBudget,UnionCounty #N/A N/A

Poverty

3,521 2010 16% 43% 41% ALICE

SINGLE ADULT

121251 Above AT Above

3,782 2012 16% 38% 46% $16,896 $11,770

$1,408

$472 $165 $322 $165 $128 $156 $– Total HH Total

3,883 2015 19% 51% 30% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371

$211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in UnionCountyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreUnionCounty Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 41% 53% 6%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle Vehicle

844

Poverty

Female- Headed Single 68% 29% 3% ALICE

121253 121252 With Mortgage With

450 No No Mortgage Above AT Above Home

Headed Total HH Total Single Male- N/A Interest, Dividends, or Rental or Dividends, Interest,

Income 400 500 600 700 800 900 0 100 200 300

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage CCD Worthington Springs Raiford CCD Lake ButlerCCD Lake Butler Town Union County, 2015 Total HH 1,583 1,643 657 812 % ALICE Poverty 67% 75% 63% 80% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:89,476(42%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INVOLUSIACOUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 517,887|NumberofHouseholds: $42,175(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 209,657 Household SurvivalBudget,VolusiaCounty

200,456 2007 13% 23% 64%

Poverty

190,757 2010 14% 29% 57% ALICE

SINGLE ADULT

121271 Above AT Above

197,599

2012 17% 28% 55% $18,468 $11,770

$1,539 $569 $165 $322 $165 $140 $178

$– Total HH Total

209,657 2015 14% 28% 58% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 50,000 100,000 150,000 200,000 250,000 $52,152 $24,250 $4,346 $900 $960 $547 $644 $634 $395 $266 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in Volusia Countyownliquidassets,suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreVolusia County Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 78% 12% 10%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles

1 Vehicle 24,531 Vehicle Poverty

Female- Headed Single 21% 22% 57% ALICE

121273

10,989 121272 With Mortgage With

No No Mortgage Above AT Above Home

Headed

Single Male- 20% 47% 33% Total HH Total

4,150 Interest, Dividends, or Rental or Dividends, Interest,

Income 5,000 10,000 15,000 20,000 25,000 30,000 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Central Volusia CCD Daytona Beach Daytona BeachCCD De LeonSpringsCDP Daytona BeachShores CCD DeBary-Orange City DeBary DeLand DeLand CCD DeLand SouthwestCDP Deltona Deltona CCD New SmyrnaBeach Lake Helen Holly Hill Glencoe CDP Edgewater CCD New SmyrnaBeach Ormond Beach Orange City Oak Hill North PeninsulaCCD North DeLandCDP Ormond BeachCCD Port Orange Ponce Inlet Pierson-Seville CCD Pierson Ormond-by-the-Sea CDP Port OrangeCCD West DeLandCDP South PeninsulaCCD South Daytona CDP Samsula-Spruce Creek Town Volusia County, 2015 Total HH 13,682 26,998 16,343 16,866 10,093 23,583 30,583 33,431 10,786 25,013 16,223 22,237 24,356 29,145 11,964 2,353 7,928 1,092 4,764 1,071 8,345 4,871 1,433 2,502 3,730 1,321 5,414 5,102 2,365 821 362 672 538 427 % ALICE Poverty 25% 62% 38% 72% 31% 37% 43% 45% 42% 76% 42% 48% 61% 40% 37% 43% 37% 53% 45% 38% 40% 41% 37% 23% 43% 43% 45% 57% 40% 45% 33% 54% 16% 47% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:4,195(39%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INWAKULLA COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 31,128|NumberofHouseholds: $50,340(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs POVERTY ANNUAL TOTAL ANNUAL TOTAL Monthly Total Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 10,691 Household SurvivalBudget,WakullaCounty #N/A N/A

Poverty

10,773 2010 11% 25% 64% ALICE

SINGLE ADULT

121291 Above AT Above

10,577

2012 12% 24% 64% $18,648 $11,770

$1,554

$580 $165 $322 $165 $141 $181 $– Total HH Total

10,691 2015 14% 25% 61% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 2,000 4,000 6,000 8,000 10,000 12,000 $51,192 $24,250 $1,014 $4,266 $790 $547 $644 $634 $388 $249 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in Wakulla Countyownliquidassets, suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreWakulla County Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% 120% Percent of Families with Children 100% 20% 40% 60% 80% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 81% 10% 9%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 1,908 Vehicle

Poverty

Female- Headed Single 16% 55% 29% ALICE

121293

121292 With Mortgage With 893

No No Mortgage Above AT Above Home

Headed Single Male- 37% 52% 11% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

478

Income 500 1,000 1,500 2,000 2,500 0

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage West Wakulla CCD Panacea CDP East Wakulla CCD Crawfordville CDP Town Wakulla County, 2015 Total HH 2,083 8,608 1,453 366 % ALICE Poverty 50% 36% 34% 71% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:9,676(42%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INWALTON COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 59,487|NumberofHouseholds: $44,966(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Child Care Food Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 23,490 Household SurvivalBudget,WaltonCounty

21,458 2007 12% 21% 67%

Poverty

22,447 2010 16% 20% 64% ALICE

SINGLE ADULT

121311 Above AT Above

22,138

2012 15% 29% 56% $18,840 $11,770

$1,570

$592 $165 $322 $165 $143 $183 $– Total HH Total

23,490 2015 15% 27% 58% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 5,000 10,000 15,000 20,000 25,000 $49,524 $24,250 $4,127 $807 $900 $547 $644 $634 $375 $220 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, or rentalincome,thatarereadilyavailabletocoveremergencyexpenses. in Walton Countyownliquidassets, suchasasavingsaccount,401(k)plan, Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 category arereflectedbydottedyellowbars(rightaxis). have incomebelowthe AT (leftaxis, bluebar). Total number offamiliesineach families areheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreWalton County Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 20% 30% 40% 50% 60% 70% 80% 90% 10% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 13% 12% 75%

4+ Vehicles 4+ 3 Vehicles 2 Vehicles 1 Vehicle 3,399 Vehicle

Poverty

Female- Headed Single 23% 54% 23% ALICE

121313

1,154 121312 With Mortgage With

No No Mortgage Above AT Above Home

Headed Single Male- 17% 48% 35% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

297

Income 1,500 2,000 2,500 3,000 3,500 4,000 0 500 1,000

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Walton BeachesCCD Redbay CCD Paxton-Darlington CCD Miramar BeachCDP Freeport CCD Freeport DeFuniak SpringsCCD DeFuniak Springs Town Walton County, 2015 Total HH 9,524 1,168 3,680 3,482 3,718 5,400 2,109 842 % ALICE Poverty 28% 51% 50% 34% 42% 56% 61% 45% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I some, butnotforall. improve in2010and2012for families. Conditionsstartedto 2010, causedhardshipformany Great Recession,from2007to axis, dottedyellowline). The total numberofhouseholds(right (left axis,bluebars)asdoesthe Threshold changesovertime of householdsbelowthe ALICE basic needs. The percentage population strugglingtoafford households equalsthetotal number ofpovertyand ALICE Threshold, or AT). Combined,the of livingforthecounty(the ALICE Level, butlessthanthebasiccost more thantheFederalPoverty Employed –householdsthatearn Limited, IncomeConstrained, ALICE isanacronymforAsset How manyhouseholdsarestruggling? Households Below ALICE Threshold:4,167(51%) Florida UnderemploymentRatefor2015:11.5% Median HouseholdIncome: Population: ALICE INWASHINGTON COUNTY Household SurvivalBudget. family offour, butlessthanthe single adultand$24,250for a Poverty Levelof$11,770 fora typically earnabovetheFederal households expenses. ALICE vulnerable tounexpected any savings,leavingahousehold Survival Budgetdoesnotinclude The bare-minimumHousehold necessities? to affordthebasic What doesitcost 24,629|NumberofHouseholds: $38,970(stateaverage:$49,426) HouseholdsbyIncome,2007to2015 Department ofEducation, OfficeofEarlyLearning. Department of Agriculture (USDA);BureauofLabor Statistics(BLS);InternalRevenue Service(IRS);Florida Survey; the ALICE Threshold.Budget:U.S.DepartmentofHousingandUrban Development(HUD);U.S. Sources: 2015Point-in-Time Data: American CommunitySurvey.Community ALICEDemographics: American Monthly Costs Monthly Total POVERTY ANNUAL TOTAL ANNUAL TOTAL Housing Food Child Care Transportation Health Care Miscellaneous Taxes Percent of Households 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% Household SurvivalBudget,WashingtonCounty 8,246 #N/A N/A

Poverty

8,735 2010 18% 25% 57% ALICE

SINGLE ADULT

121331 Above AT Above

8,310 2012 23% 25% 52% $16,896 $11,770

$1,408

$472 $165 $322 $165 $128 $156 $– Total HH Total

8,246 2015 22% 29% 49% 2 ADULTS, 1INFANT, 1 PRESCHOOLER

- 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 $48,996 $24,250 $1,033 $4,083 $643 $547 $644 $634 $371 $211 Total Households Assets, AllHouseholds,2015 next mostcommonasset,canbuildwealth,butisnotaliquidasset. Vehicles, themostcommonasset,depreciateovertime.Homeownership, plan, orrentalincome,thatarereadilyavailabletocoveremergencyexpenses. in Washington Countyownliquidassets, suchasasavingsaccount,401(k) Ownership ofassetscancontributetostabilityhouseholds. Yet fewfamilies What assetsdohouseholdshave? Families withChildrenbyIncome,2015 each categoryarereflectedbydottedyellowbars(rightaxis). families haveincomebelowthe AT (leftaxis,bluebar). Total numberoffamiliesin County familiesareheadedbymarriedparents,agreaterpercentofsingleparent families withchildrenlivebelowthe ALICE Threshold. Though moreWashington Children addsignificantexpensetoafamilybudget,soitisnotsurprisingthatmany How manyfamilieswithchildrenarestruggling? Percent of Households

100% Percent of Families with Children 100% 10% 20% 30% 40% 50% 60% 70% 80% 90% 10% 20% 30% 40% 50% 60% 70% 80% 90% 0% 0% Married 59% 16% 25%

4+ Vehicles 4+ 2 Vehicles 3 Vehicles 1 Vehicle

Vehicle 1,414

Poverty

Female- Headed Single 80% 17% 3% ALICE

121333

121332 With Mortgage With 409

No No Mortgage Above AT Above Home

Headed Single Male- 45% 31% 24% Total HH Total

Interest, Dividends, or Rental or Dividends, Interest,

207

Income 600 800 1,000 1,200 1,400 1,600 0 200 400

Total Households the smallesttowns that donotreportincome. on 5-yearaverages andisnotavailablefor level data.Municipal-leveldataoftenrelies geographies sototalswillnotmatchcounty- authorities. Theseareoverlapping Bureau andstatelocalgovernment delineated cooperativelybytheCensus (CCD), relativelypermanentstatistical areas (CDP), andCensusCountyDivisions which includeCensusDesignatedPlaces is forPlacesandCountySubdivisions, Note: Municipal-leveldataonthispage Vernon CCD Vernon Chipley CCD Chipley Caryville CCD Town Washington County, 2015 Total HH 4,009 2,928 1,250 1,309 333 % ALICE Poverty 54% 48% 57% 45% 66% &

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – EXHIBIT I UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit II Housing DatabyCounty, Florida,2015 Starting in2015,thereareno3-yearestimates. Source: American CommunitySurvey, 2015;countieswithpopulationsover65,000use1-yearestimates;under5-yearestimates. enable allhouseholdsbelowthe ALICE Threshold tospendlessthanone-thirdoftheirincomeonhousing. The GapinRentalUnitsisanaverageofthehighandlowestimatesfornumberrentalunitsnecessaryto presents keyhousingdataforeachcountyinFlorida2015owner-occupiedandrenter-occupiedunits. budget ineachcountyFlorida,andtoshowhowmanyhouseholdsarestrugglingafford it. This table The UnitedWay ALICE Reportusesstandardizedmeasurements toquantifythecostofabasichousehold care, healthandtransportation. individuals andfamilieswhoareworking,butunabletoafford thebasicnecessitiesofhousing,food,child ALICE, anacronymforAssetLimited,IncomeConstrained, ALICE HOUSINGDATA BYCOUNTY Duval Dixie DeSoto Columbia Collier Clay Citrus Charlotte Calhoun Broward Brevard Bradford Bay Baker Alachua Escambia Hernando Hendry Hardee Hamilton Gulf Glades Gilchrist Gadsden Franklin Flagler Highlands Holmes Hillsborough County Owner-Occupied 195,353 414,256 158,025 286,637 16,564 97,414 50,941 49,292 55,131 42,673 51,964 71,379 54,638 28,702 30,814 11,990 4,769 7,907 3,875 6,477 6,406 7,802 5,300 3,423 3,923 2,908 5,006 3,147 5,421 Owner-Occupied Units Percent Ownedby HHs BelowALICE Threshold 23% 66% 61% 48% 33% 32% 41% 50% 61% 37% 27% 48% 42% 43% 36% 26% 54% 54% 55% 59% 61% 48% 86% 57% 55% 48% 42% 62% 36% Housing Burden: Percent Owners 30% ofIncome Pay MoreThan 26% 22% 23% 21% 26% 20% 21% 25% 24% 35% 23% 19% 21% 22% 21% 20% 25% 24% 28% 21% 24% 26% 19% 19% 28% 29% 19% 24% 25% Renter-Occupied 259,614 216,517 148,114 37,492 20,792 17,540 67,657 26,664 44,463 45,435 16,075 10,579 10,302 11,249 1,282 3,331 7,674 2,293 1,799 4,974 3,543 2,318 1,265 1,426 1,012 1,181 1,191 1,407 909 Employed, representsthegrowingnumberof ALICE Threshold Percent Rented by HHsBelow Renter-Occupied Units 50% 75% 81% 60% 56% 59% 60% 72% 87% 60% 46% 77% 68% 80% 70% 50% 87% 71% 77% 80% 78% 85% 89% 74% 73% 58% 79% 85% 63% Percent Renters Housing Burden: 30% ofIncome Pay MoreThan 52% 53% 53% 37% 54% 45% 59% 57% 54% 62% 51% 57% 52% 53% 55% 49% 55% 47% 46% 49% 59% 50% 60% 49% 42% 47% 61% 58% 54% for AllHHsBelow ALICE Threshold Units Affordable Gap inRental 12,362 90,678 29,547 11,264 11,346 4,623 9,647 7,607 3,065 5,392 4,775 4,140 1,516 1,261 6,150 1,392 123 142 145 242 351 640 678 987 452 610 240 91 81 Survey Estimate Community Source American 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 1-Year 1-Year 5-Year 1-Year Washington Walton Wakulla Volusia Union Taylor Suwannee Sumter St. Lucie St. Johns Seminole Sarasota Santa Rosa Putnam Polk Pinellas Pasco Palm Beach Osceola Orange Okeechobee Okaloosa Nassau Monroe Miami-Dade Martin Marion Manatee Madison Liberty Levy Leon Lee Lake Lafayette Jefferson Jackson Indian River County Owner-Occupied 146,531 104,433 127,664 152,419 258,204 134,828 367,126 246,508 433,846 182,806 16,858 10,752 46,276 77,847 64,035 42,867 19,593 57,486 45,861 22,065 19,025 49,010 95,212 92,814 56,747 95,377 42,755 11,899 11,747 6,447 7,998 2,547 5,862 9,229 5,186 1,801 2,001 4,150 Owner-Occupied Units Percent Ownedby HHs BelowALICE Threshold 43% 59% 59% 35% 42% 33% 58% 63% 57% 46% 47% 32% 34% 39% 35% 46% 47% 45% 47% 37% 46% 36% 59% 20% 41% 36% 42% 44% 54% 42% 64% 52% 19% 43% 44% 57% 46% 45% Housing Burden: Percent Owners 30% ofIncome Pay MoreThan 23% 26% 22% 28% 24% 27% 26% 19% 24% 21% 30% 25% 27% 25% 24% 22% 23% 28% 23% 31% 32% 27% 24% 21% 26% 35% 37% 29% 23% 23% 27% 13% 24% 27% 24% 25% 30% 20% Renter-Occupied 142,005 178,654 423,866 211,228 63,126 30,964 19,212 58,306 50,143 17,994 74,703 57,800 40,815 30,860 12,366 16,091 30,015 41,876 52,462 80,888 31,142 12,739 3,617 4,562 1,799 6,632 2,693 1,336 1,743 4,897 4,894 8,572 3,817 7,609 1,428 1,261 632 492 ALICE Threshold Percent Rented by HHsBelow Renter-Occupied Units 66% 86% 73% 50% 72% 60% 75% 84% 73% 70% 68% 51% 59% 57% 48% 75% 73% 65% 68% 60% 68% 65% 84% 44% 63% 51% 69% 61% 74% 65% 83% 75% 59% 63% 67% 80% 80% 71% Percent Renters Housing Burden: 30% ofIncome Pay MoreThan 52% 50% 54% 55% 47% 61% 36% 41% 48% 53% 59% 50% 53% 53% 38% 59% 54% 53% 53% 60% 60% 57% 53% 52% 45% 59% 66% 46% 53% 54% 64% 26% 62% 52% 54% 37% 64% 47% for AllHHsBelow ALICE Threshold Units Affordable Gap inRental 139,396 20,927 14,310 10,823 20,056 57,381 13,580 46,567 13,065 6,605 3,440 9,878 9,182 6,466 9,274 3,761 4,773 7,846 9,891 1,150 7,190 4,565 5,461 1,310 249 560 747 548 360 167 560 367 179 394 281 48 40 51 Survey Estimate Community Source American 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 5-Year 1-Year 1-Year 1-Year 1-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit II UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit III ALICE ThresholdandHouseholdsbyRace/Ethnicity andAge, Florida,2015 are no3-yearestimates. Source: American CommunitySurvey, 2015;counties with populationsover65,000use1-yearestimates;under5-yearthere For detailsofthemethodology, seetheMethodologyOverview. households underandover65yearsoldforeachcountyarepresented. that percentagesofrace/ethnicityandagecanmaskthesizepopulation. The ALICE Thresholds for The tablepresents ALICE demographicsforeachcountybrokendownbyrace/ethnicityandage.Note ALICE Threshold. Budget ineachcountyFlorida,andtoshowthenumberofhouseholdsearningbelowthisamount– The UnitedWay ALICE Reportusesstandardizedmeasurements toquantifythecostofaHouseholdSurvival care, healthandtransportation. individuals andfamilieswhoareworking,butunabletoafford thebasicnecessitiesofhousing,food,child ALICE, anacronymforAssetLimited,IncomeConstrained, DEMOGRAPHICS, FLORIDA,2015 ALICE THRESHOLDAND Alachua Baker Bay Brevard Bradford Broward Calhoun Charlotte Citrus Clay Collier Columbia DeSoto Dixie Duval Escambia Flagler Franklin Gadsden Gilchrist Glades Gulf County Total HHs 225,682 673,870 134,906 343,467 116,814 96,427 69,337 72,671 60,541 71,733 24,238 39,281 16,964 11,238 8,205 8,770 4,784 6,051 4,338 6,187 3,920 5,349 HHs Below HHs Below Threshold ALICE 46% 46% 41% 34% 50% 44% 58% 40% 43% 33% 33% 45% 58% 55% 37% 38% 45% 51% 56% 50% 65% 49% Asian 47% 49% 46% 34% 38% 27% 37% 21% 39% 41% 17% 89% 26% 44% 26% 84% 27% N/A 0% 0% 0% 0% Percent HHBelowAT –Race/Ethnicity Black 70% 76% 59% 70% 56% 54% 69% 59% 52% 41% 67% 61% 81% 76% 54% 55% 61% 55% 67% 73% 85% 72% Hispanic 62% 41% 53% 27% 45% 45% 44% 65% 54% 33% 60% 55% 73% 43% 47% 51% 43% 47% 65% 53% 88% 51% Employed, representsthegrowingnumberof White 39% 43% 37% 45% 31% 39% 58% 37% 43% 35% 27% 41% 51% 54% 30% 31% 44% 51% 38% 50% 62% 46% HH Below AT –Age Percent Seniors 42% 41% 40% 49% 32% 53% 50% 34% 40% 39% 27% 41% 45% 49% 35% 33% 42% 47% 46% 52% 61% 47% HH Under65Years ALICE Threshold – ALICE Threshold– 45,000 50,000 45,000 50,000 40,000 50,000 50,000 45,000 40,000 45,000 50,000 45,000 50,000 45,000 40,000 40,000 50,000 45,000 45,000 45,000 60,000 45,000 ALICE Threshold ALICE Threshold – HH ALICE Threshold–HH 65 Years andOver 35,000 30,000 30,000 30,000 30,000 40,000 30,000 30,000 30,000 35,000 35,000 30,000 30,000 30,000 30,000 30,000 35,000 30,000 30,000 35,000 35,000 30,000 Hamilton Hardee Taylor Hendry Union Hernando Volusia Highlands Wakulla Hillsborough Walton Holmes Washington Indian River Jackson Lake Lafayette Jefferson Lee Leon Levy Liberty Madison Manatee Marion Martin Miami-Dade Monroe Nassau Okaloosa Okeechobee Orange Osceola Palm Beach Pasco Pinellas Polk Putnam Santa Rosa Sarasota Seminole St. Johns St. Lucie Sumter Suwannee County Total HHs 209,657 503,154 126,519 263,694 109,209 134,690 125,227 857,712 457,736 545,780 192,628 400,209 227,122 177,807 162,739 108,811 15,649 70,713 10,691 23,490 55,494 16,309 15,516 65,101 31,391 29,674 76,721 13,046 98,301 28,165 60,861 83,247 48,039 11,345 41,116 4,688 7,618 7,605 3,883 6,828 8,246 2,493 2,433 6,614 5,411 HHs Below HHs Below Threshold ALICE 57% 48% 65% 55% 64% 70% 42% 42% 49% 39% 42% 42% 56% 51% 40% 58% 41% 57% 49% 43% 41% 50% 52% 56% 43% 47% 41% 61% 46% 37% 33% 58% 43% 60% 40% 42% 41% 51% 52% 33% 33% 37% 28% 46% 42% 100% 100% Asian 57% 45% 35% 55% 47% 38% 35% 32% 10% 56% 17% 61% 32% 48% 35% 65% 41% 43% 37% 48% 41% 45% 22% 39% 50% 33% 32% 37% 37% 10% 18% 34% 28% 31% 38% 71% N/A N/A N/A 0% 0% 0% 5% Percent HHBelowAT –Race/Ethnicity Black 71% 62% 74% 63% 84% 77% 66% 65% 68% 37% 62% 75% 73% 61% 73% 74% 81% 68% 55% 64% 59% 61% 72% 68% 65% 68% 70% 72% 70% 52% 52% 78% 54% 72% 59% 46% 60% 68% 73% 46% 65% 54% 49% 66% 70% Hispanic 100% 100% 87% 74% 83% 72% 71% 48% 50% 56% 65% 50% 52% 45% 21% 59% 69% 96% 58% 50% 60% 51% 68% 30% 65% 65% 64% 64% 63% 30% 40% 74% 54% 70% 55% 42% 58% 63% 68% 47% 50% 53% 41% 63% 64% White 49% 44% 54% 52% 52% 70% 40% 38% 40% 40% 33% 39% 48% 56% 37% 53% 51% 39% 40% 39% 32% 48% 48% 51% 38% 44% 38% 40% 42% 34% 31% 55% 35% 46% 33% 42% 38% 44% 47% 32% 31% 32% 27% 41% 40% HH Below AT –Age Percent Seniors 47% 38% 54% 46% 54% 66% 40% 38% 38% 33% 46% 39% 36% 55% 32% 46% 62% 50% 43% 38% 24% 50% 49% 49% 42% 39% 38% 67% 44% 35% 35% 47% 52% 60% 40% 41% 43% 47% 39% 42% 33% 42% 35% 43% 39% HH Under65Years ALICE Threshold – ALICE Threshold– 50,000 45,000 60,000 45,000 60,000 60,000 45,000 40,000 40,000 45,000 45,000 40,000 50,000 45,000 50,000 50,000 50,000 45,000 45,000 50,000 40,000 40,000 50,000 45,000 50,000 50,000 50,000 60,000 60,000 45,000 40,000 50,000 45,000 60,000 50,000 45,000 45,000 50,000 40,000 45,000 45,000 45,000 45,000 50,000 50,000 ALICE Threshold ALICE Threshold – HH ALICE Threshold–HH 65 Years andOver 30,000 25,000 35,000 30,000 30,000 40,000 30,000 30,000 30,000 25,000 35,000 30,000 25,000 30,000 30,000 30,000 35,000 35,000 35,000 35,000 30,000 30,000 30,000 30,000 35,000 30,000 35,000 45,000 45,000 30,000 35,000 30,000 40,000 40,000 35,000 30,000 30,000 35,000 25,000 35,000 35,000 35,000 35,000 35,000 40,000

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit III UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit IV Source: American CommunitySurvey, 2015,1-yearestimates. Key dataand ALICE statisticsforthestate’s 27congressionaldistricts(114 budget ineachcountyFlorida,andtoshowhowmanyhouseholdsarestrugglingafford it. The UnitedWay ALICE Reportusesstandardizedmeasurements toquantifythecostofabasichousehold care, healthandtransportation. individuals andfamilieswhoareworking,butunabletoafford thebasicnecessitiesofhousing,food,child ALICE, anacronymforAssetLimited,IncomeConstrained, FLORIDA CONGRESSIONALDISTRICTS KEY FACTS ANDALICESTATISTICS FOR District 1 Congressional District 2 Congressional District 3 Congressional District 4 Congressional District 5 Congressional District 6 Congressional District 7 Congressional District 8 Congressional District 9 Congressional District 10 Congressional District 11 Congressional District 12 Congressional District 13 Congressional District 14 Congressional District 15 Congressional District 16 Congressional District 17 Congressional District 18 Congressional District 19 Congressional Districts for Districts for Congress the 114 th

Population 750,928 718,173 721,105 740,304 743,735 755,981 738,367 730,746 819,676 788,192 740,907 747,779 716,429 765,377 728,456 764,808 747,648 748,028 774,346 Households 284,944 263,789 256,401 281,685 264,825 299,860 266,444 287,064 264,789 296,949 294,002 290,195 307,481 297,271 259,029 275,425 289,741 303,535 311,188 Poverty Poverty 19% 18% 10% 23% 14% 16% 12% 14% 12% 13% 19% 13% 10% 13% 12% 12% 11% 11% 11% % ALICE ALICE 25% 31% 24% 24% 28% 32% 28% 22% 42% 26% 38% 26% 28% 31% 27% 26% 26% 28% 28% % Threshold % Above ALICE 64% 50% 58% 66% 49% 54% 61% 67% 42% 62% 48% 62% 59% 50% 60% 64% 61% 60% 60% Employed, representsthegrowingnumberof Unemployment 10.4% Rate 7.3% 8.3% 8.2% 5.2% 6.7% 6.5% 6.8% 6.1% 5.7% 9.3% 6.3% 5.3% 8.3% 6.6% 6.5% 7.4% 5.7% 6.4% th Congress)arepresentedbelow. Insurance Coverage Health 89% 89% 89% 90% 84% 89% 89% 89% 85% 89% 90% 90% 89% 86% 89% 88% 87% 89% 86% % Over 30% Housing Burden: Owner 21% 21% 19% 24% 28% 25% 28% 22% 28% 25% 22% 23% 28% 28% 20% 24% 21% 29% 27% Over 30% Housing Burden: Renter 44% 51% 41% 47% 56% 51% 51% 47% 58% 49% 47% 47% 48% 52% 48% 50% 50% 51% 48% District 20 Congressional District 21 Congressional District 22 Congressional District 23 Congressional District 24 Congressional District 25 Congressional District 26 Congressional District 27 Congressional Districts for Districts for Congress the 114 th

Population 767,766 758,192 730,302 734,951 745,862 765,164 776,959 751,091 Households 249,312 279,199 279,979 243,955 230,199 221,403 252,783 311,737 Poverty Poverty 20% 10% 12% 12% 25% 18% 15% 21% % ALICE ALICE 37% 27% 28% 30% 40% 28% 38% 40% % Threshold % Above ALICE 43% 63% 60% 58% 35% 54% 47% 39% Unemployment Rate 11.7% 6.6% 6.5% 5.8% 9.4% 5.6% 5.4% 6.2% Insurance Coverage Health 81% 88% 86% 87% 80% 83% 83% 81% % Over 30% Housing Burden: Owner 37% 31% 32% 35% 36% 33% 35% 34% Over 30% Housing Burden: Renter 61% 55% 57% 58% 60% 60% 63% 63%

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit IV UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit V 4-year-olds enrolledinpreschool, healthinsurancecoveragerate,andpercentof theadultpopulationwhovoted. the shortandlongterms. The threekeyindicatorsfor theCommunityResourcesIndexarepercentof 3- and Collective resourcesinalocationcanalsomakedifference inthefinancialstabilityof ALICEhouseholdsinboth The CommunityResourcesIndex income forthelowesttwoquintiles,unemployment rate,andtheaveragewagefornewhires. three keyindicatorsfortheJobOpportunitiesIndexare incomedistributionasmeasuredbytheshareof The morejobopportunitiesthereareinacounty, themorelikelyahouseholdistobe financiallystable. The The JobOpportunitiesIndex for theHousing Affordability Indexaretheaffordable housinggap,theburden,andrealestatetaxes. The moreaffordable acounty, theeasieritisforahouseholdtobefinanciallystable. Thethreekeyindicators The HousingAffordabilityIndex ECONOMIC VIABILITYDASHBOARD Source: American CommunitySurvey, U.S.Census,and BureauofLaborStatistics(BLS),2015. more difficultbecausecompletedatawasnotavailableinallcounties). presented for2010and2015,showingchangesincetheendofGreatRecession(comparisonwith2007is These indicesareusedonlyforcomparisonwithinthestate,nottootherstates.Scores necessarily meanthatconditionsareverygood;itmeanstheybetterthaninothercountiesthestate. Each county’s scoreisrelativetoothercounties inFloridaandcomparedtoprioryears. A scoreof100doesnot Community ResourcesIndex.Indexscoresrangefrom1to100,withhigherreflectingbetterconditions. that mattermostto ALICE households–theHousing Affordability Index,theJobOpportunitiesand The EconomicViability Dashboard budget ineachcountyFlorida,andtoshowhowmanyhouseholdsarestrugglingafford it. The UnitedWay ALICE Reportusesstandardizedmeasurements toquantifythecostofabasichousehold care, healthandtransportation. individuals andfamilieswhoareworking,butunabletoafford thebasicnecessitiesofhousing,food,child ALICE, anacronymforAssetLimited,IncomeConstrained, THE ECONOMICVIABILITYDASHBOARD Key Indicators:EducationResources+Health +SocialCapital Key Indicators:IncomeDistribution+UnemploymentRateNewHireW Key Indicators: Affordable HousingGap+BurdenRealEstateTaxes iscomposedofthreeindicesthatevaluatethelocaleconomicconditions Employed, representsthegrowingnumberof ages 1 =worse,100better Economic ViabilityDashboard,Florida,2010and 2015 Alachua County Baker County Bay County Bradford County Brevard County Broward County Calhoun County Charlotte County Citrus County Clay County Collier County Columbia County DeSoto County Dixie County Duval County Escambia County Flagler County Franklin County Gadsden County Gilchrist County Glades County Gulf County Hamilton County Hardee County Hendry County Hernando County Highlands County Hillsborough County Holmes County Indian RiverCounty Jackson County Jefferson County Lafayette County Lake County Lee County Leon County County 2010 40 59 56 49 53 25 59 51 59 52 31 46 47 69 49 53 30 53 54 63 65 65 70 45 44 52 57 43 68 47 67 61 57 44 41 42 Affordability Housing 2015 55 68 64 70 63 28 72 52 61 53 38 58 67 76 59 68 35 66 67 74 51 64 70 57 65 56 69 55 70 63 70 61 71 59 51 52 Job Opportunities 2010 45 58 55 47 53 50 52 43 45 58 49 45 52 61 58 40 41 49 36 50 68 57 71 53 54 42 50 55 55 35 56 48 66 53 46 39 2015 57 57 66 47 71 67 51 63 58 64 66 54 59 61 68 74 62 47 50 55 53 53 42 55 51 60 51 70 37 55 45 53 36 72 62 53 2010 61 47 44 54 60 45 62 53 65 61 41 46 21 52 57 54 52 54 55 64 43 48 50 17 20 52 37 47 42 46 55 63 41 54 44 67 Community Resources 2015 63 53 60 68 67 55 37 60 65 59 48 58 25 44 61 53 51 49 68 44 38 51 42 21 22 58 55 56 37 55 51 74 44 57 47 83

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit V UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit V 1 =worse,100better Economic ViabilityDashboard,Florida,2010and 2015 Levy County Liberty County Madison County Manatee County Marion County Martin County Miami-Dade County Monroe County Nassau County Okaloosa County Okeechobee County Orange County Osceola County Palm BeachCounty Pasco County Pinellas County Polk County Putnam County St. JohnsCounty St. LucieCounty Santa RosaCounty Sarasota County Seminole County Sumter County Suwannee County Taylor County Union County Volusia County Wakulla County Walton County Washington County County 2010 62 70 65 42 54 42 12 54 56 52 28 34 28 52 48 54 50 38 37 55 38 43 55 66 60 67 50 55 56 62 Affordability 1 Housing 2015 73 82 69 51 67 36 16 10 42 61 64 42 42 31 61 59 62 49 36 39 67 47 68 61 59 62 49 36 39 67 47 Job Opportunities 2010 48 30 60 49 45 42 45 60 57 60 35 47 53 47 49 52 50 39 48 46 50 51 58 48 51 42 57 47 54 45 51 2015 52 58 53 66 55 63 62 62 59 70 52 67 61 65 65 68 67 54 64 61 71 69 57 65 68 67 54 64 61 71 69 2010 46 41 54 43 48 58 26 41 65 58 26 46 36 50 47 51 43 39 77 46 63 58 60 61 51 62 38 44 76 61 60 Community Resources 2015 52 45 48 50 61 77 45 63 66 60 28 55 45 60 59 66 56 48 80 53 54 68 53 59 66 56 48 80 53 54 68 Key FactsandALICEStatisticsforFloridaMunicipalities are no3-yearestimates. Source: American CommunitySurvey, 2015;townswith populationsover65,000use1-yearestimates;under5-yearestimates.There Key dataand ALICE statisticsforthestate’s municipalitiesarepresentedhere. below the ALICE Threshold inFlorida. extent oflocalvariationisanimportantaspectunderstandingthechallengesfacinghouseholdsearning budget ineachcountyFlorida,andtoshowhowmanyhouseholdsarestrugglingafford it.Knowingthe The UnitedWay ALICE Reportusesstandardizedmeasurements toquantifythecostofabasichousehold care, healthandtransportation. individuals andfamilieswhoareworking,butunabletoafford thebasicnecessitiesofhousing,food,child ALICE, anacronymforAssetLimited,IncomeConstrained, FOR FLORIDAMUNICIPALITIES KEY FACTS ANDALICESTATISTICS Alachua, Alachua County Alachua, Alachua Archer,County Alachua Gainesville CCD, Alachua County Municipality byCounty Gainesville, Alachua County Gainesville, Alachua Hawthorne CCD, Alachua County Hawthorne, Alachua County Hawthorne, Alachua High Springs, Alachua County County High Springs-AlachuaCCD, Alachua La Crosse, Alachua County Micanopy CCD, Alachua County Micanopy,County Alachua Newberry,County Alachua Newberry-Archer CCD, Alachua County Waldo CCD, Alachua County Waldo,County Alachua Glen St.Mary, BakerCounty Macclenny CCD,BakerCounty Macclenny, BakerCounty Sanderson CCD,BakerCounty Callaway, BayCounty Cedar GroveCDP, BayCounty Laguna BeachCDP, BayCounty Lower GrandLagoonCDP, BayCounty Lynn HavenCCD,BayCounty Lynn Haven,BayCounty Mexico BeachCCD,Bay County Population 175,982 130,133 39,736 23,027 14,441 12,694 14,760 25,151 19,355 9,435 1,180 5,780 1,670 5,591 2,836 5,307 6,857 1,004 6,414 3,313 3,665 3,722 4,483 261 668 567 Households 65,880 48,617 16,125 4,012 2,238 1,989 1,237 1,845 8,538 2,685 4,493 1,899 3,712 5,297 1,145 1,920 2,017 9,175 7,238 1,465 445 507 107 293 373 184 Poverty % 16% 31% 27% 29% 22% 32% 13% 20% 14% 13% 10% 14% 29% 21% 15% 18% 17% 15% 16% 13% 20% 10% 10% 11% 9% 9% ALICE % 26% 33% 28% 28% 30% 29% 34% 27% 28% 33% 40% 18% 19% 34% 42% 45% 27% 31% 33% 24% 31% 32% 29% 23% 25% 28% Threshold % Above ALICE 58% 36% 45% 43% 48% 39% 57% 60% 52% 53% 47% 72% 70% 52% 29% 34% 58% 51% 50% 61% 53% 55% 51% 67% 65% 63% Employed, representsthegrowingnumberof Unemployment 12.0% 16.3% 25.4% 13.7% 15.2% 15.4% 13.0% 10.3% 15.8% 11.4% 7.0% 8.2% 5.1% 8.8% 6.4% 2.3% 4.0% 7.2% 2.5% 4.7% 5.2% 3.7% 6.6% 5.9% 7.6% 7.9% Rate Coverage % Insurance Insurance Health Health 89% 85% 86% 92% 80% 82% 84% 89% 90% 83% 88% 87% 89% 85% 74% 84% 89% 87% 84% 82% 82% 75% 69% 84% 88% 94% Housing Burden: Housing Burden: Owner Over Owner Over 28% 24% 24% 21% 26% 45% 25% 23% 31% 17% 19% 24% 20% 22% 32% 13% 26% 24% 17% 25% 25% 21% 33% 23% 27% 38% 30% Renter Over30% Housing Burden: 45% 42% 55% 55% 36% 47% 60% 47% 36% 41% 57% 40% 37% 49% 66% 50% 45% 52% 35% 46% 51% 53% 42% 53% 47% 46%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities Mexico Beach,BayCounty Panama CityBeach,BayCounty Panama CityBeachesCCD,BayCounty Municipality byCounty Panama CityCCD,BayCounty CCD, BrevardCounty Melbourne Shores-FloridanaBeach Melbourne Village, BrevardCounty Panama City, BayCounty Melbourne, BrevardCounty Parker, BayCounty Pretty BayouCDP, BayCounty Merritt IslandCCD,BrevardCounty Southport CCD,BayCounty Upper GrandLagoonCDP, BayCounty Merritt IslandCDP, BrevardCounty Springfield, BayCounty Tyndall AFB CDP, BayCounty Youngstown CCD,BayCounty Brooker CCD,BradfordCounty Brooker, BradfordCounty Hampton CCD,BradfordCounty Hampton, BradfordCounty Lawtey CCD,BradfordCounty Lawtey, BradfordCounty Starke CCD,BradfordCounty Starke, BradfordCounty Cape Canaveral,BrevardCounty Cocoa Beach,BrevardCounty Micco CDP, Brevard County Mims CDP, BrevardCounty Palm BayCCD,BrevardCounty Brevard County Cocoa Beach-CapeCanaveralCCD, Palm Bay, BrevardCounty Cocoa West CDP, BrevardCounty Cocoa, BrevardCounty Cocoa-Rockledge CCD,BrevardCounty Grant-Valkaria, BrevardCounty Indialantic, BrevardCounty Brevard County Indialantic-Melbourne BeachCCD, Indian HarbourBeach,BrevardCounty June ParkCDP, BrevardCounty Malabar CCD,BrevardCounty Malabar, BrevardCounty Melbourne Beach,BrevardCounty Melbourne CCD,BrevardCounty Population 105,426 107,895 124,818 117,688 12,092 35,603 91,793 36,917 80,136 43,778 10,718 14,216 35,900 13,844 10,031 23,905 17,339 45,515 15,567 11,355 1,355 7,109 4,462 3,432 9,186 3,128 7,605 1,313 6,506 5,560 1,051 5,401 8,293 6,334 4,910 3,938 2,764 8,315 3,981 2,822 3,146 769 394 412 Households 15,967 34,976 14,945 32,825 17,826 14,577 37,981 12,609 45,172 18,972 51,170 38,113 5,241 3,317 1,949 1,386 3,776 6,029 3,590 2,563 2,335 1,460 4,554 2,044 5,602 5,796 4,234 2,617 1,953 1,518 1,212 3,653 1,570 6,928 1,084 6,811 1,211 654 316 421 149 386 811 118 Poverty % 12% 10% 13% 10% 17% 20% 17% 14% 13% 23% 27% 18% 16% 19% 30% 22% 27% 25% 29% 13% 13% 14% 14% 16% 15% 10% 38% 27% 13% 12% 11% 11% 11% 11% 4% 8% 7% 8% 8% 6% 9% 7% 6% 3% ALICE % 25% 27% 28% 25% 21% 30% 19% 34% 30% 27% 32% 21% 23% 36% 30% 28% 29% 33% 29% 24% 39% 27% 38% 28% 27% 26% 22% 33% 21% 24% 26% 23% 25% 32% 29% 21% 19% 18% 17% 23% 21% 27% 14% 17% Threshold % Above ALICE 63% 63% 61% 62% 69% 53% 77% 46% 53% 59% 60% 66% 66% 41% 63% 64% 44% 49% 55% 57% 31% 51% 35% 47% 44% 61% 65% 53% 65% 68% 58% 62% 65% 30% 44% 66% 75% 73% 76% 66% 68% 61% 80% 80% Unemployment 10.1% 10.2% 15.7% 10.1% 12.7% 12.2% 15.0% 10.9% 12.5% 10.2% 18.3% 10.3% 10.3% 22.5% 19.1% 10.9% 12.2% 10.7% 19.4% 14.1% 21.8% 15.2% 12.0% 15.7% 11.5% 11.4% 11.6% 5.2% 6.3% 5.5% 6.6% 5.9% 7.3% 7.1% 8.6% 7.7% 6.6% 8.3% 5.9% 4.9% 8.1% 7.3% 7.9% 2.0% Rate Coverage % Insurance Insurance Health Health 86% 82% 80% 86% 92% 83% 89% 82% 81% 86% 89% 86% 90% 78% 98% 81% 89% 72% 75% 82% 86% 85% 87% 82% 83% 78% 85% 90% 90% 83% 84% 90% 81% 74% 79% 85% 86% 82% 86% 81% 90% 88% 89% 87% Housing Burden: Housing Burden: Owner Over Owner Over 38% 27% 29% 26% 32% 25% 28% 25% 30% 24% 24% 25% 15% 25% 31% 24% 14% 17% 15% 22% 17% 31% 22% 25% 24% 25% 21% 18% 30% 30% 25% 27% 32% 30% 26% 35% 25% 29% 37% 22% 25% 24% 32% 30% ? Renter Over30% Housing Burden: 36% 42% 47% 50% 40% 51% 42% 54% 51% 49% 57% 49% 47% 34% 54% 53% 44% 57% 18% 38% 50% 42% 24% 50% 52% 45% 49% 49% 41% 39% 58% 50% 43% 84% 59% 50% 15% 49% 44% 55% 36% 49% 65% 66%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Palm Shores,BrevardCounty Patrick AFB CDP, BrevardCounty Port St.JohnCDP, BrevardCounty Rockledge, BrevardCounty Municipality byCounty Satellite Beach,BrevardCounty Sharpes CDP, BrevardCounty County South PatrickShoresCDP, Brevard Lauderhill, BrowardCounty Titusville CCD,BrevardCounty Lighthouse Point,BrowardCounty Titusville, BrevardCounty Margate, BrowardCounty Viera EastCDP, BrevardCounty Miramar, BrowardCounty Viera West CDP, BrevardCounty County Miramar-Pembroke PinesCCD,Broward West BrevardCCD,County Oakland Park,BrowardCounty North Lauderdale,BrowardCounty West Melbourne,BrevardCounty Parkland, BrowardCounty County Boulevard GardensCDP, Broward Pembroke Park,BrowardCounty Pembroke Pines,Broward County Broadview ParkCDP, BrowardCounty Coconut Creek,BrowardCounty Cooper City, BrowardCounty Coral Springs,BrowardCounty County Coral Springs-MargateCCD,Broward Dania Beach,BrowardCounty Davie CCD,BrowardCounty Davie, BrowardCounty Deerfield BeachCCD,BrowardCounty Deerfield Beach,BrowardCounty Fort LauderdaleCCD,BrowardCounty Fort Lauderdale,BrowardCounty Franklin ParkCDP, BrowardCounty Hallandale BeachCCD,BrowardCounty Hallandale Beach,BrowardCounty Hillsboro Beach,BrowardCounty Hillsboro PinesCDP, BrowardCounty Hollywood CCD,BrowardCounty Hollywood, BrowardCounty Lauderdale Lakes,BrowardCounty Lauderdale-by-the-Sea, BrowardCounty Population 297,974 166,624 129,502 228,089 212,050 100,894 183,189 297,992 178,587 188,262 149,721 137,115 25,798 10,351 71,574 65,479 10,842 44,363 55,678 43,347 42,853 19,667 56,816 33,382 30,878 79,769 51,236 38,725 34,103 11,335 11,264 27,114 1,123 1,371 2,885 6,529 8,365 4,306 1,870 6,244 7,593 1,568 6,313 958 401 Households 120,691 10,171 23,525 27,170 18,722 20,651 40,203 96,006 16,837 56,409 10,727 40,825 77,842 12,202 69,286 36,504 66,918 31,863 73,817 22,002 18,025 72,079 56,104 10,999 11,913 22,113 4,283 4,020 3,869 1,186 2,638 4,932 4,583 3,312 1,646 7,158 8,240 2,482 2,039 410 370 495 334 927 122 Poverty % 14% 14% 19% 20% 15% 18% 13% 10% 19% 16% 23% 21% 10% 10% 12% 22% 10% 13% 12% 17% 15% 44% 22% 21% 16% 16% 24% 11% 11% 3% 9% 3% 7% 6% 3% 9% 3% 3% 9% 3% 2% 9% 4% 4% 0% ALICE % 19% 23% 29% 21% 12% 24% 28% 13% 40% 23% 25% 26% 40% 22% 24% 28% 39% 38% 22% 49% 44% 31% 25% 34% 18% 25% 35% 34% 23% 26% 30% 39% 34% 31% 46% 40% 40% 30% 28% 35% 36% 45% 11% 6% 7% Threshold % Above ALICE 67% 63% 68% 70% 85% 57% 61% 80% 40% 62% 69% 56% 47% 75% 67% 91% 62% 42% 90% 46% 69% 86% 28% 54% 48% 65% 57% 78% 65% 53% 44% 67% 61% 59% 49% 49% 54% 10% 38% 39% 66% 72% 49% 48% 31% Unemployment 13.0% 12.5% 10.6% 10.4% 17.7% 10.1% 12.2% 12.5% 34.0% 13.8% 13.0% 10.5% 18.9% 11.2% 11.8% 11.8% 11.7% 11.7% 3.6% 9.1% 4.9% 7.9% 9.6% 8.2% 5.9% 9.4% 7.7% 8.4% 9.3% 8.2% 5.7% 7.2% 7.1% 5.6% 9.7% 6.9% 6.8% 7.6% 4.6% 9.0% 8.1% 9.1% 5.4% 5.4% 9.2% Rate Coverage % Insurance Insurance Health Health 87% 85% 97% 85% 91% 78% 87% 83% 83% 86% 93% 84% 78% 92% 88% 95% 83% 68% 94% 74% 87% 96% 76% 76% 52% 90% 83% 90% 86% 78% 74% 87% 87% 83% 85% 78% 85% 69% 75% 76% 92% 98% 77% 83% 75% Housing Burden: Housing Burden: Owner Over Owner Over 21% 32% 25% 25% 27% 37% 26% 39% 22% 33% 24% 37% 22% 33% 25% 42% 46% 29% 35% 21% 36% 23% 40% 32% 32% 37% 34% 34% 40% 36% 36% 30% 37% 34% 38% 38% 37% 39% 41% 43% 40% 37% 34% 50% 30% ? Renter Over30% Housing Burden: 39% 44% 43% 40% 37% 48% 47% 45% 73% 49% 56% 50% 62% 55% 65% 15% 60% 64% 35% 59% 47% 65% 62% 49% 71% 55% 53% 52% 59% 60% 62% 55% 60% 56% 57% 56% 56% 74% 61% 61% 34% 52% 59% 59% 64%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 1-Year 5-Year 1-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities Plantation CCD,BrowardCounty Plantation, BrowardCounty Municipality byCounty Crystal River, CitrusCounty Crystal RiverCCD,CitrusCounty Floral CityCDP, CitrusCounty Hernando CDP, CitrusCounty Homosassa CDP, CitrusCounty Homosassa SpringsCDP, CitrusCounty Inverness CCD,CitrusCounty Pompano BeachCCD,BrowardCounty County Inverness HighlandsNorthCDP, Citrus Pompano Beach,BrowardCounty County Roosevelt GardensCDP, Broward Sea RanchLakes,BrowardCounty Southwest Ranches,BrowardCounty Sunrise, BrowardCounty Tamarac, BrowardCounty Washington ParkCDP, BrowardCounty West Park,BrowardCounty Weston, BrowardCounty Wilton Manors, BrowardCounty Altha CCD,CalhounCounty Altha, CalhounCounty Blountstown CCD,CalhounCounty Blountstown, CalhounCounty West CalhounCCD,County Charlotte HarborCDP, CharlotteCounty Charlotte ParkCDP, CharlotteCounty Cleveland CDP, CharlotteCounty Grove CityCDP, CharlotteCounty County Grove City-RotondaCCD,Charlotte Harbour HeightsCDP, CharlotteCounty Manasota KeyCDP, CharlotteCounty Port CharlotteCCD,County Port CharlotteCDP, CharlotteCounty Punta GordaCCD,CharlotteCounty Punta Gorda,CharlotteCounty Rotonda CDP, CharlotteCounty Solana CDP, CharlotteCounty Beverly HillsCDP, CitrusCounty Black DiamondCDP, CitrusCounty Citrus HillsCDP, CitrusCounty Citrus SpringsCDP, CitrusCounty Population 276,292 108,068 107,771 92,555 68,992 13,012 70,662 92,706 63,227 14,779 69,947 12,133 38,871 88,106 56,434 38,806 17,288 3,060 4,919 9,699 1,673 2,944 2,760 7,676 1,310 2,431 8,438 2,625 3,746 4,001 2,475 2,881 1,982 3,400 1,131 8,337 8,593 8,039 8,695 1,114 701 670 289 Households 100,420 33,712 30,898 45,040 40,375 30,856 27,242 21,259 17,951 37,031 23,486 16,874 30,114 1,232 2,251 4,121 5,291 2,177 4,156 6,474 2,293 1,518 1,791 1,190 1,152 1,371 8,629 4,124 3,999 3,691 3,410 865 871 752 263 384 973 237 937 985 605 180 419 Poverty % 13% 15% 24% 12% 23% 10% 25% 16% 22% 18% 19% 17% 10% 12% 15% 21% 12% 14% 29% 26% 32% 13% 10% 10% 16% 28% 12% 12% 14% 10% 17% 26% 15% 11% 11% 11% 11% 9% 6% 8% 7% 9% 4% ALICE % 35% 26% 27% 27% 39% 36% 23% 35% 23% 32% 15% 38% 35% 39% 14% 16% 31% 42% 50% 39% 17% 34% 45% 30% 34% 28% 40% 29% 30% 34% 22% 28% 21% 13% 31% 34% 24% 18% 31% 41% 36% 16% 7% Threshold % Above ALICE 52% 63% 58% 49% 49% 41% 67% 40% 68% 52% 63% 44% 46% 44% 80% 76% 59% 46% 35% 40% 76% 54% 41% 41% 40% 40% 47% 61% 60% 50% 50% 60% 68% 78% 57% 52% 65% 71% 59% 42% 38% 78% 80% Unemployment 10.5% 13.0% 13.7% 13.3% 21.9% 18.4% 13.2% 13.8% 19.0% 10.3% 15.9% 14.5% 15.6% 12.1% 10.4% 10.3% 14.1% 16.5% 13.6% 10.9% 10.7% 10.2% 30.2% 19.8% 12.3% 11.1% 11.9% 11.1% 11.9% 9.2% 1.0% 4.0% 5.4% 2.2% 6.5% 8.2% 0.0% 7.8% 8.9% 4.0% 9.3% 6.2% 4.2% Rate Coverage % Insurance Insurance Health Health 79% 84% 87% 77% 87% 82% 96% 81% 89% 87% 92% 76% 80% 77% 93% 88% 83% 83% 82% 71% 92% 81% 88% 84% 77% 75% 78% 77% 86% 76% 82% 85% 91% 94% 84% 82% 86% 89% 89% 78% 85% 81% 97% Housing Burden: Housing Burden: Owner Over Owner Over 39% 25% 25% 29% 28% 17% 24% 22% 33% 21% 16% 35% 33% 35% 37% 43% 35% 39% 32% 43% 38% 34% 23% 14% 26% 25% 19% 21% 29% 24% 19% 26% 28% 37% 29% 32% 29% 30% 24% 28% 25% 21% 20% 30% Renter Over30% Housing Burden: 56% 51% 49% 68% 31% 61% 10% 59% 56% 54% 20% 59% 61% 61% 19% 46% 52% 55% 62% 65% 51% 42% 41% 53% 45% 34% 18% 40% 33% 22% 30% 56% 28% 42% 51% 55% 35% 40% 74% 42% 57% 27% 46%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year County Inverness HighlandsSouthCDP, Citrus Inverness, CitrusCounty Lecanto CDP, CitrusCounty County Pine RidgeCDP (CitrusCounty),Citrus Municipality byCounty Sugarmill Woods CDP, CitrusCounty Asbury LakeCDP, ClayCounty Naples, CollierCounty County Bellair-Meadowbrook Terrace CDP, Clay Orangetree CDP, CollierCounty Fleming IslandCDP, ClayCounty Pelican BayCDP, CollierCounty Green CoveSpringsCCD,ClayCounty Green CoveSprings,ClayCounty Keystone HeightsCCD,ClayCounty Keystone Heights,ClayCounty County Pine RidgeCDP (CollierCounty),Collier Middleburg-Clay HillCCD,ClayCounty Middleburg CDP, ClayCounty Lakeside CDP, ClayCounty Plantation IslandCDP, CollierCounty Oakleaf PlantationCDP, ClayCounty Verona Walk CDP, Collier County Orange ParkCCD,ClayCounty Vineyards CDP, CollierCounty Orange Park,ClayCounty Five PointsCDP, ColumbiaCounty Fort WhiteCCD,ColumbiaCounty Fort White,Columbia County Penney Farms,ClayCounty Penney FarmsCCD,ClayCounty Chokoloskee CDP, CollierCounty Everglades CCD,CollierCounty Everglades, CollierCounty Golden GateCDP, CollierCounty Goodland CDP, CollierCounty Immokalee CCD,CollierCounty Immokalee CDP, CollierCounty Island Walk CDP, CollierCounty Lely CDP, CollierCounty Lely ResortCDP, CollierCounty Marco IslandCCD,CollierCounty Marco Island,CollierCounty Naples CCD,CollierCounty Naples ManorCDP, CollierCounty Naples ParkCDP, CollierCounty Population 250,852 10,402 20,603 13,987 30,350 14,089 17,202 58,303 13,062 31,223 23,087 93,295 14,988 14,528 16,035 29,258 56,726 24,879 17,478 17,148 6,375 7,184 5,415 9,129 8,078 5,248 5,230 7,054 1,652 1,994 2,645 3,983 8,545 3,041 3,589 5,088 5,566 6,691 452 812 728 618 418 268 330 Households 10,392 10,216 18,568 33,396 14,937 99,949 11,310 2,670 3,212 1,957 4,671 4,410 2,568 2,867 5,381 1,369 2,995 5,128 2,421 6,562 4,438 6,830 1,230 1,716 3,455 5,556 5,399 6,586 4,955 1,551 1,731 2,104 8,416 8,254 1,120 7,113 587 848 150 299 226 353 153 162 117 Poverty % 13% 20% 16% 15% 17% 14% 10% 16% 55% 12% 27% 19% 17% 12% 59% 14% 15% 25% 17% 42% 10% 26% 11% 11% 7% 9% 7% 9% 9% 6% 7% 2% 7% 7% 7% 8% 5% 9% 5% 0% 0% 5% 8% 8% 8% ALICE % 35% 41% 21% 21% 30% 40% 16% 18% 40% 13% 12% 28% 30% 31% 12% 27% 24% 27% 14% 32% 22% 13% 21% 23% 10% 28% 31% 22% 32% 19% 48% 32% 30% 27% 35% 64% 23% 33% 13% 33% 25% 20% 19% 27% 51% Threshold % Above ALICE 52% 39% 63% 68% 63% 51% 77% 73% 51% 81% 81% 57% 53% 55% 86% 66% 66% 57% 79% 13% 66% 80% 68% 69% 85% 45% 50% 61% 59% 69% 47% 56% 58% 40% 36% 60% 25% 87% 62% 67% 72% 73% 63% 23% 9% Unemployment 12.8% 15.6% 13.8% 12.1% 12.3% 14.1% 10.5% 13.2% 16.4% 13.8% 16.9% 17.6% 25.0% 11.7% 11.2% 11.5% 11.6% 11.7% 11.0% 4.6% 6.6% 7.8% 5.4% 9.2% 2.7% 7.6% 1.6% 7.8% 0.7% 0.0% 8.0% 8.6% 9.2% 3.1% 0.0% 6.5% 4.0% 9.7% 0.0% 5.3% 6.3% 3.4% 5.0% 5.1% 7.2% Rate Coverage % Insurance Insurance Health Health 86% 89% 86% 94% 90% 69% 86% 93% 85% 79% 95% 84% 83% 81% 99% 89% 85% 82% 92% 74% 87% 93% 95% 89% 90% 72% 85% 92% 87% 90% 95% 97% 82% 87% 59% 87% 69% 51% 98% 90% 85% 93% 93% 81% 62% Housing Burden: Housing Burden: Owner Over Owner Over 16% 25% 24% 26% 24% 33% 18% 34% 24% 40% 26% 24% 23% 22% 33% 14% 23% 23% 33% 35% 24% 25% 33% 25% 31% 28% 26% 25% 22% 19% 28% 28% 30% 34% 39% 34% 27% 29% 36% 27% 39% 39% 40% 31% 34% 30% Renter Over30% Housing Burden: 100% 100% 42% 70% 32% 62% 44% 47% 35% 51% 43% 29% 40% 48% 56% 46% 55% 30% 37% 44% 28% 38% 22% 38% 43% 33% 20% 22% 39% 42% 41% 56% 49% 30% 65% 40% 51% 66% 61% 47% 48% 46% 53% 64% ?

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities Lake CityCCD,ColumbiaCounty Lake City, ColumbiaCounty Municipality byCounty North ColumbiaCCD,County Watertown CDP, ColumbiaCounty Arcadia EastCCD,DeSotoCounty Arcadia West CCD,DeSotoCounty Arcadia, DeSotoCounty Southeast Arcadia CDP, DeSotoCounty Cross CityNorthCCD,DixieCounty Cross CitySouthCCD,DixieCounty Cross City, DixieCounty Atlantic Beach,DuvalCounty Warrington CDP, EscambiaCounty West Pensacola CDP, EscambiaCounty Beverly Beach,FlaglerCounty Baldwin CCD,DuvalCounty Bunnell CCD,FlaglerCounty Baldwin, DuvalCounty Jacksonville Beach,DuvalCounty Bunnell, FlaglerCounty Flagler BeachCCD,County County Jacksonville BeachesCCD,Duval Flagler Beach,County Jacksonville EastCCD,DuvalCounty Palm Coast,FlaglerCounty Jacksonville NorthCCD,DuvalCounty Apalachicola CCD,Franklin County Jacksonville West CCD,DuvalCounty Jacksonville, DuvalCounty Neptune Beach,DuvalCounty Bellview CDP, EscambiaCounty Brent CDP, EscambiaCounty Cantonment CCD,EscambiaCounty Century CCD,EscambiaCounty Century, EscambiaCounty Ensley CDP, EscambiaCounty Ferry PassCDP, EscambiaCounty Gonzalez CDP, EscambiaCounty Goulding CDP, EscambiaCounty Molino CDP, EscambiaCounty Myrtle GroveCDP, EscambiaCounty County Northwest EscambiaCCD, Pensacola CCD,EscambiaCounty Pensacola, EscambiaCounty Population 430,253 319,608 868,031 238,820 51,548 12,082 23,856 12,157 12,961 13,053 20,538 22,149 29,772 55,635 82,121 77,801 22,341 21,957 54,365 21,981 32,077 14,187 16,134 52,752 11,101 71,011 1,270 3,318 7,704 8,129 3,934 2,198 7,376 1,929 2,762 4,682 4,087 6,683 8,572 1,529 4,274 1,256 4,570 342 Households 168,890 323,488 116,766 17,609 24,044 10,303 12,906 22,553 29,739 27,351 18,759 12,742 90,357 22,103 4,634 1,167 7,178 4,060 2,527 2,336 4,290 1,761 5,477 5,732 8,143 2,340 2,057 1,694 2,948 8,614 6,824 2,847 8,413 4,818 1,012 6,044 1,697 543 788 191 597 966 687 453 Poverty % 16% 22% 27% 16% 26% 16% 26% 32% 21% 23% 27% 16% 19% 19% 21% 13% 27% 10% 12% 10% 13% 23% 16% 12% 20% 10% 14% 20% 14% 16% 33% 19% 19% 15% 11% 11% 7% 5% 8% 9% 5% 7% 5% 9% ALICE % 31% 36% 31% 39% 38% 33% 38% 39% 38% 24% 39% 26% 32% 43% 17% 43% 28% 32% 34% 37% 19% 32% 20% 37% 23% 34% 23% 32% 26% 23% 10% 24% 29% 21% 38% 55% 29% 29% 14% 41% 38% 24% 20% 27% Threshold % Above ALICE 53% 42% 42% 45% 36% 51% 36% 29% 41% 53% 34% 58% 49% 38% 76% 52% 61% 47% 53% 36% 73% 59% 70% 58% 65% 56% 64% 57% 51% 61% 78% 69% 51% 69% 48% 25% 57% 55% 81% 26% 43% 57% 71% 58% Unemployment 14.2% 18.2% 19.0% 17.3% 13.7% 10.8% 13.2% 16.0% 24.1% 16.2% 23.0% 10.0% 13.5% 21.6% 10.9% 26.4% 15.9% 11.4% 11.8% 5.2% 7.1% 7.5% 7.6% 8.9% 4.5% 9.1% 7.0% 4.5% 6.8% 5.9% 8.2% 8.4% 9.4% 6.3% 7.2% 4.0% 7.6% 9.4% 8.9% 9.5% 6.5% 6.5% 9.0% 9.4% Rate Coverage % Insurance Insurance Health Health 84% 77% 74% 78% 73% 75% 81% 68% 79% 84% 81% 85% 85% 81% 88% 94% 82% 78% 84% 76% 89% 88% 88% 83% 86% 88% 87% 83% 83% 88% 92% 88% 84% 87% 85% 77% 81% 87% 88% 83% 76% 86% 88% 86% Housing Burden: Housing Burden: Owner Over Owner Over 22% 26% 14% 31% 24% 20% 27% 22% 24% 17% 24% 24% 21% 26% 25% 17% 18% 18% 30% 24% 33% 34% 30% 36% 27% 28% 33% 32% 31% 25% 29% 19% 23% 19% 22% 31% 24% 24% 15% 30% 13% 22% 24% 30% 9% Renter Over30% Housing Burden: 41% 45% 34% 48% 39% 57% 43% 39% 33% 40% 47% 55% 53% 44% 58% 45% 45% 44% 39% 49% 45% 47% 51% 51% 46% 53% 51% 55% 50% 41% 49% 52% 44% 48% 58% 41% 57% 46% 64% 61% 52% 46% 49% 0%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Apalachicola, FranklinCounty Carrabelle CCD,FranklinCounty Carrabelle, FranklinCounty Eastpoint CCD,FranklinCounty Eastpoint CDP, FranklinCounty St. GeorgeIslandCDP, FranklinCounty Municipality byCounty Chattahoochee CCD,GadsdenCounty Chattahoochee, GadsdenCounty Greensboro CCD,GadsdenCounty Greensboro, GadsdenCounty Gretna, GadsdenCounty Havana CCD,GadsdenCounty Havana, GadsdenCounty Midway, GadsdenCounty Quincy CCD,GadsdenCounty Quincy, GadsdenCounty Bell CCD,GilchristCounty Bell, GilchristCounty Spring RidgeCDP, GilchristCounty Bowling GreenCCD,HardeeCounty Bowling Green,HardeeCounty Gardner CDP, HardeeCounty Lemon GroveCDP, HardeeCounty Wauchula, HardeeCounty Wauchula CCD,HardeeCounty Zolfo SpringsCCD,HardeeCounty Zolfo Springs,HardeeCounty Clewiston CCD,HendryCounty Clewiston, HendryCounty Fort DenaudCDP, Hendry County Trenton CCD,GilchristCounty Trenton, GilchristCounty Buckhead RidgeCDP, GladesCounty Moore Haven,GladesCounty Northeast GladesCCD,County Southwest GladesCCD,County Port St.JoeCCD,GulfCounty Port St.Joe,GulfCounty Wewahitchka CCD,GulfCounty Wewahitchka, GulfCounty Jasper CCD,HamiltonCounty Jasper, HamiltonCounty Jennings CCD,HamiltonCounty Jennings, HamiltonCounty White SpringsCCD,HamiltonCounty White Springs,HamiltonCounty Population 14,425 22,912 14,356 19,835 11,475 2,077 4,524 2,770 3,017 2,165 5,133 3,229 3,954 1,271 1,895 3,234 7,947 5,517 5,376 2,916 4,909 7,736 2,003 7,240 1,639 2,199 1,595 2,818 3,583 9,689 7,817 3,413 7,968 1,979 8,148 4,243 4,577 1,670 587 664 505 319 277 678 668 961 Households 1,439 1,205 1,582 1,373 6,045 1,232 7,964 2,733 2,240 1,591 1,618 3,812 2,215 5,625 2,404 3,947 1,447 2,473 1,297 2,237 2,168 1,824 3,112 940 758 854 304 851 239 516 836 168 167 835 136 179 466 609 723 639 655 803 712 248 696 373 Poverty % 13% 27% 26% 19% 25% 23% 26% 33% 24% 25% 18% 20% 14% 28% 28% 28% 15% 22% 24% 12% 37% 15% 20% 29% 35% 23% 19% 14% 21% 18% 21% 17% 22% 13% 18% 28% 26% 34% 27% 35% 24% 30% 11% 8% 8% 5% ALICE % 38% 33% 35% 32% 30% 16% 31% 29% 26% 19% 46% 27% 34% 31% 36% 34% 32% 51% 48% 52% 47% 27% 43% 43% 35% 43% 46% 37% 37% 39% 31% 37% 46% 58% 47% 44% 33% 44% 34% 32% 31% 26% 28% 35% 37% 35% Threshold % Above ALICE 49% 40% 39% 49% 45% 76% 46% 45% 41% 57% 29% 55% 46% 55% 36% 38% 40% 34% 35% 30% 24% 41% 36% 42% 37% 36% 22% 31% 44% 55% 56% 55% 42% 36% 21% 36% 34% 54% 45% 48% 40% 43% 40% 45% 30% 39% Unemployment 14.0% 12.2% 10.7% 15.0% 16.5% 14.1% 14.4% 14.5% 23.8% 20.8% 12.2% 10.6% 16.0% 14.8% 14.2% 15.6% 12.1% 13.0% 12.7% 15.3% 17.1% 10.4% 14.5% 17.2% 15.2% 11.9% 11.7% 11.2% 8.3% 9.4% 4.2% 7.0% 3.8% 8.4% 6.0% 7.8% 8.6% 8.3% 0.0% 6.6% 9.1% 7.3% 5.2% 5.3% 8.2% 8.1% Rate Coverage % Insurance Insurance Health Health 84% 79% 81% 76% 73% 86% 73% 65% 73% 82% 86% 86% 83% 86% 83% 80% 76% 72% 87% 74% 75% 91% 72% 76% 74% 76% 73% 67% 71% 94% 90% 80% 73% 92% 68% 82% 75% 85% 84% 79% 77% 83% 87% 85% 72% 86% Housing Burden: Housing Burden: Owner Over Owner Over 39% 29% 23% 22% 21% 31% 24% 21% 13% 21% 28% 25% 31% 34% 25% 24% 15% 28% 31% 24% 29% 29% 19% 12% 22% 28% 32% 28% 29% 18% 21% 14% 15% 15% 17% 20% 32% 19% 16% 23% 24% 23% 21% 14% 29% 30% 0% Renter Over30% Housing Burden: 100% 46% 25% 23% 26% 32% 77% 41% 39% 19% 16% 26% 43% 49% 36% 41% 49% 53% 19% 42% 40% 49% 80% 42% 49% 44% 54% 48% 43% 37% 48% 35% 60% 50% 43% 45% 47% 32% 32% 54% 52% 39% 61% 38% 0% ?

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities Harlem CDP, HendryCounty LaBelle CCD,HendryCounty LaBelle, HendryCounty Montura CDP, HendryCounty Pioneer CDP, HendryCounty Port LaBelleCDP, HendryCounty Bayport CDP, HernandoCounty Municipality byCounty Brookridge CDP, HernandoCounty Brooksville CCD,HernandoCounty Balm CDP, HillsboroughCounty Brooksville, HernandoCounty Garden GroveCDP, HernandoCounty Hernando BeachCCD,County Bloomingdale CDP, HillsboroughCounty Hernando BeachCDP, HernandoCounty High PointCDP, HernandoCounty Hill 'nDaleCDP, HernandoCounty Masaryktown CDP, HernandoCounty Nobleton CDP, HernandoCounty Brandon CCD,HillsboroughCounty County North BrooksvilleCDP, Hernando County North Weeki Wachee CDP, Hernando Brandon CDP, HillsboroughCounty Ridge ManorCCD,HernandoCounty Ridge ManorCDP, HernandoCounty County South BrooksvilleCDP, Hernando Spring HillCCD,HernandoCounty Carrollwood CDP, HillsboroughCounty Spring HillCDP, HernandoCounty Cheval CDP, HillsboroughCounty Spring LakeCDP, HernandoCounty Citrus ParkCDP, HillsboroughCounty Dover CDP, HillsboroughCounty Timber PinesCDP, HernandoCounty County Weeki Wachee GardensCDP, Hernando Wiscon CDP, HernandoCounty Avon ParkCCD,HighlandsCounty Avon Park,HighlandsCounty Lake PlacidCCD,HighlandsCounty Lake Placid,HighlandsCounty Sebring CCD,HighlandsCounty Sebring, HighlandsCounty Apollo BeachCDP, HillsboroughCounty Population 175,508 124,528 103,197 113,968 18,528 16,336 31,672 22,882 35,027 10,833 25,570 33,646 22,989 41,693 10,371 11,905 2,347 4,648 3,087 4,385 4,429 1,880 7,752 2,376 3,409 1,906 3,695 8,436 6,704 4,593 3,701 3,817 5,305 1,527 9,974 2,541 728 452 462 888 335 454 414 Households 12,370 63,831 41,955 49,539 13,926 39,446 13,215 17,801 5,720 1,405 1,014 1,260 2,305 6,269 3,074 5,725 7,899 1,074 1,738 1,374 3,604 2,818 1,952 1,683 4,268 9,177 3,055 3,337 9,381 4,259 763 335 125 593 234 634 405 108 209 971 825 207 767 Poverty % 33% 22% 21% 23% 20% 25% 19% 22% 10% 12% 17% 52% 26% 21% 17% 20% 22% 13% 13% 39% 16% 27% 21% 40% 16% 31% 11% 11% 11% 11% 11% 11% 0% 8% 8% 8% 6% 0% 9% 8% 5% 6% 9% ALICE % 49% 37% 36% 56% 47% 28% 16% 38% 18% 32% 42% 41% 31% 29% 25% 41% 30% 18% 17% 26% 28% 25% 27% 33% 33% 31% 25% 33% 24% 30% 26% 25% 25% 22% 23% 34% 49% 32% 36% 28% 25% 31% 32% Threshold % Above ALICE 18% 41% 43% 21% 33% 47% 84% 54% 74% 49% 36% 49% 61% 60% 63% 42% 18% 56% 77% 74% 51% 64% 62% 50% 47% 47% 64% 54% 67% 57% 66% 64% 64% 39% 72% 60% 42% 52% 37% 51% 35% 53% 37% Unemployment 13.2% 17.6% 19.4% 26.1% 16.9% 14.9% 18.9% 31.0% 27.7% 16.1% 14.0% 12.4% 10.5% 20.2% 13.8% 13.4% 17.1% 15.3% 20.0% 12.7% 12.9% 11.9% 11.1% 11.3% 11.9% 0.0% 6.8% 8.7% 8.2% 7.8% 6.1% 6.7% 7.2% 9.2% 6.8% 6.6% 9.0% 5.5% 7.5% 2.2% 8.5% 0.0% 8.6% Rate Coverage % Insurance Insurance Health Health 91% 72% 76% 68% 89% 70% 72% 86% 90% 83% 79% 85% 83% 89% 91% 87% 77% 92% 90% 82% 85% 86% 87% 82% 86% 89% 89% 85% 87% 88% 90% 84% 84% 47% 96% 87% 93% 83% 78% 85% 68% 85% 79% Housing Burden: Housing Burden: Owner Over Owner Over 43% 24% 34% 33% 18% 17% 24% 33% 23% 25% 19% 40% 28% 34% 27% 28% 28% 22% 23% 24% 23% 24% 24% 22% 20% 28% 29% 25% 29% 31% 35% 32% 14% 24% 27% 20% 29% 22% 24% 20% 26% 30% 0% 0% Renter Over30% Housing Burden: 100% 59% 34% 51% 42% 25% 45% 35% 48% 57% 31% 51% 48% 60% 13% 65% 46% 54% 34% 48% 54% 53% 44% 58% 44% 50% 46% 44% 39% 59% 55% 53% 22% 54% 55% 45% 54% 49% 59% 11% 7% 0% ?

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year County East Lake-OrientParkCDP, Hillsborough County Egypt Lake-LetoCDP, Hillsborough Municipality byCounty Fish HawkCDP, HillsboroughCounty Ponce deLeon,HolmesCounty Esto-Noma CCD,HolmesCounty West Holmes CCD,HolmesCounty Westville, HolmesCounty Fellsmere CCD,IndianRiverCounty Fellsmere, IndianRiverCounty Florida RidgeCDP, IndianRiverCounty Gibsonton CDP, HillsboroughCounty Keystone CDP, HillsboroughCounty Gifford CDP, IndianRiverCounty Indian RiverShores,County County Keystone-Citrus ParkCCD,Hillsborough County Lake MagdaleneCDP, Hillsborough Mango CDP, HillsboroughCounty Lutz CDP, HillsboroughCounty Northdale CDP, HillsboroughCounty County Palm River-ClairMelCDP, Hillsborough Hillsborough County Palm River-GibsontonCCD, Pebble CreekCDP, HillsboroughCounty Plant CityCCD,HillsboroughCounty Plant City, HillsboroughCounty County Progress Village CDP, Hillsborough Riverview CDP, HillsboroughCounty Ruskin CCD,HillsboroughCounty Ruskin CDP, HillsboroughCounty Seffner CDP, HillsboroughCounty County Sun CityCenterCDP, Hillsborough Tampa CCD,HillsboroughCounty Tampa, HillsboroughCounty Temple Terrace, HillsboroughCounty Thonotosassa CDP, Hillsborough County County Town 'n'CountryCDP, Hillsborough Hillsborough County University CDP (HillsboroughCounty), Valrico CDP, HillsboroughCounty Westchase CDP, HillsboroughCounty Wimauma CDP, HillsboroughCounty County Wimauma-Riverview CCD,Hillsborough Bonifay, HolmesCounty Bonifay CCD,HolmesCounty Esto, HolmesCounty Population 134,015 656,090 369,028 134,968 25,373 37,408 16,297 19,803 19,701 18,070 23,271 28,560 12,267 20,398 22,725 23,017 50,134 36,382 89,746 63,658 20,643 20,554 25,354 13,292 78,996 41,858 36,975 23,222 88,511 4,430 5,617 5,390 8,750 4,026 7,366 7,907 6,405 2,756 9,588 8,111 496 362 375 Households 256,445 144,582 13,545 49,635 16,022 28,933 12,774 27,869 26,993 30,176 17,057 12,799 44,219 11,798 11,910 9,550 4,940 1,582 2,132 6,977 1,260 7,166 5,286 7,937 3,801 2,139 4,264 8,400 7,676 2,760 2,434 6,383 2,616 9,815 4,802 8,685 1,791 7,511 3,114 121 957 124 211 Poverty % 22% 21% 30% 21% 29% 26% 12% 35% 20% 25% 14% 22% 22% 20% 17% 16% 13% 10% 14% 12% 19% 19% 15% 18% 14% 41% 32% 34% 27% 33% 11% 6% 2% 6% 8% 7% 8% 7% 8% 8% 8% 6% 9% ALICE % 34% 39% 30% 31% 29% 37% 40% 46% 12% 29% 38% 37% 20% 29% 26% 36% 21% 34% 30% 15% 29% 32% 25% 19% 28% 32% 29% 31% 30% 29% 26% 31% 31% 35% 17% 14% 34% 20% 31% 30% 37% 11% 9% Threshold % Above ALICE 44% 40% 30% 40% 48% 42% 37% 48% 19% 82% 51% 51% 38% 89% 83% 72% 57% 67% 42% 71% 44% 50% 78% 54% 52% 62% 73% 62% 54% 59% 61% 51% 52% 59% 51% 55% 24% 75% 80% 34% 71% 35% 43% Unemployment 15.0% 21.0% 22.8% 18.5% 10.8% 14.6% 14.3% 17.9% 14.7% 13.4% 10.8% 10.1% 10.9% 10.4% 12.5% 10.2% 13.7% 15.5% 16.4% 11.2% 11.3% 11.1% 8.3% 6.3% 7.4% 4.1% 0.0% 6.3% 7.1% 6.7% 7.5% 6.7% 9.0% 4.9% 7.6% 5.2% 8.3% 8.1% 7.2% 6.8% 4.8% 7.7% 7.1% Rate Coverage % Insurance Insurance Health Health 79% 75% 78% 84% 84% 75% 72% 79% 60% 95% 77% 80% 78% 96% 96% 89% 84% 88% 78% 86% 78% 78% 92% 77% 78% 84% 88% 87% 77% 80% 97% 82% 88% 85% 83% 86% 71% 91% 94% 71% 87% 82% 84% Housing Burden: Housing Burden: Owner Over Owner Over 30% 31% 22% 31% 31% 20% 17% 24% 25% 26% 24% 23% 26% 26% 29% 27% 29% 30% 20% 26% 27% 27% 30% 24% 27% 30% 24% 27% 28% 27% 24% 30% 28% 25% 30% 32% 23% 25% 19% 27% 26% 28% 31% 30% Renter Over30% Housing Burden: 57% 55% 37% 38% 36% 30% 27% 59% 63% 39% 62% 50% 63% 36% 49% 45% 52% 54% 66% 45% 57% 56% 45% 51% 52% 44% 40% 52% 47% 57% 62% 53% 51% 50% 51% 57% 62% 48% 42% 62% 47% 52% 59%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities Orchid, IndianRiverCounty Roseland CDP, IndianRiverCounty Municipality byCounty Mayo CCD,LafayetteCounty Mayo, LafayetteCounty Astatula, LakeCounty Astor CDP, Lake County Clermont CCD,LakeCounty Sebastian, IndianRiverCounty Clermont, LakeCounty Eustis, LakeCounty Eustis CCD,LakeCounty South BeachCDP, IndianRiverCounty Vero BeachCCD,IndianRiverCounty County Vero BeachSouthCDP, IndianRiver Vero Beach,IndianRiverCounty County Wabasso BeachCDP, IndianRiver Wabasso CDP, IndianRiverCounty County West Vero CorridorCDP, IndianRiver Winter BeachCDP, IndianRiverCounty Alford CCD,JacksonCounty Alford, JacksonCounty Campbellton CCD,JacksonCounty Cottondale CCD,JacksonCounty Cottondale, JacksonCounty Cypress CCD,JacksonCounty Graceville CCD,JacksonCounty Graceville, JacksonCounty Grand Ridge,JacksonCounty Greenwood CCD,JacksonCounty Greenwood, JacksonCounty Jacob City, JacksonCounty Malone CCD,JacksonCounty Malone, JacksonCounty Marianna CCD,JacksonCounty Marianna, JacksonCounty Sneads CCD,JacksonCounty Sneads, JacksonCounty Lloyd CDP, JeffersonCounty Monticello CCD,JeffersonCounty Monticello, JeffersonCounty Wacissa CCD,JeffersonCounty Wacissa CDP, JeffersonCounty Day CCD,LafayetteCounty Population 123,063 86,761 22,920 30,319 19,198 29,826 23,973 15,788 14,502 10,198 1,669 5,831 1,145 1,541 1,742 3,320 1,549 6,945 2,594 3,831 1,310 3,422 4,837 6,085 2,321 4,854 3,765 1,926 8,860 6,294 1,849 2,006 4,000 2,970 374 575 538 947 825 882 383 378 229 Households 29,373 50,848 11,007 11,514 2,021 9,172 7,150 1,621 9,405 7,174 3,992 1,561 1,290 1,897 1,471 1,298 5,757 3,490 1,556 3,609 1,802 192 703 472 419 541 649 861 195 801 201 546 320 757 337 261 149 933 250 758 945 100 119 Poverty % 19% 24% 29% 15% 21% 13% 18% 22% 12% 12% 18% 13% 17% 17% 37% 25% 24% 32% 10% 26% 36% 15% 16% 28% 18% 30% 26% 31% 21% 27% 22% 16% 20% 15% 17% 11% 5% 8% 9% 2% 7% 8% 9% ALICE % 39% 33% 30% 35% 47% 17% 24% 25% 31% 35% 33% 12% 31% 35% 33% 24% 24% 40% 37% 35% 43% 34% 28% 42% 33% 28% 46% 40% 45% 39% 38% 36% 36% 43% 33% 29% 37% 37% 27% 29% 8% 9% 8% Threshold % Above ALICE 87% 42% 43% 41% 50% 32% 75% 65% 62% 51% 43% 58% 86% 57% 53% 49% 69% 63% 52% 74% 46% 28% 32% 42% 40% 48% 41% 36% 39% 44% 46% 33% 44% 34% 38% 26% 46% 44% 70% 47% 43% 58% 54% Unemployment 13.6% 15.7% 14.4% 14.6% 19.8% 17.1% 14.6% 12.4% 10.6% 16.5% 15.1% 12.2% 13.8% 15.1% 16.3% 10.4% 12.8% 23.7% 20.5% 13.2% 20.4% 15.7% 23.0% 12.3% 18.7% 10.2% 12.9% 11.1% 11.8% 11.9% 11.6% 9.9% 8.5% 9.2% 9.1% 5.2% 9.9% 8.2% 8.1% 9.7% 0.0% 8.3% 0.0% Rate Coverage % Insurance Insurance 100% 100% Health Health 99% 81% 77% 72% 80% 60% 84% 88% 86% 85% 82% 84% 96% 84% 81% 81% 96% 95% 91% 76% 86% 72% 75% 81% 87% 86% 82% 84% 82% 88% 88% 78% 83% 85% 91% 90% 90% 84% 86% 83% 94% Housing Burden: Housing Burden: Owner Over Owner Over 35% 15% 28% 22% 18% 28% 21% 26% 28% 28% 28% 27% 38% 27% 25% 32% 35% 25% 26% 16% 22% 39% 28% 15% 23% 23% 24% 31% 29% 14% 32% 18% 24% 34% 45% 21% 18% 30% 23% 29% 29% 11% 30% 7% Renter Over30% Housing Burden: 100% 100% 100% 38% 33% 56% 35% 42% 27% 51% 63% 51% 57% 46% 56% 54% 55% 62% 30% 62% 64% 21% 31% 48% 47% 42% 33% 42% 47% 40% 18% 13% 17% 23% 28% 40% 42% 61% 66% 39% 56% 52% 0%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Ferndale CDP, LakeCounty Fruitland Park,LakeCounty County Fruitland Park-LadyLakeCCD, Municipality byCounty Groveland, LakeCounty Groveland-Mascotte CCD,LakeCounty Howey-in-the-Hills, LakeCounty Cape CoralCCD,LeeCounty Lake County Howey-in-the-Hills-Okahumpka CCD, Cape Coral,LeeCounty Lady Lake,LakeCounty Cypress LakeCDP, LeeCounty Estero IslandCCD,LeeCounty Lake KathrynCDP, LakeCounty County Lake Mack-ForestHillsCDP, Lake Leesburg CCD,LakeCounty Leesburg EastCCD,LakeCounty Leesburg, LakeCounty Mascotte, LakeCounty Minneola, LakeCounty Estero, LeeCounty Montverde, LakeCounty Fort MyersBeach,LeeCounty Mount DoraCCD,LakeCounty Fort MyersCCD,LeeCounty Mount Dora,LakeCounty Mount PlymouthCDP, LakeCounty Fort MyersShoresCCD,LeeCounty Paisley CDP, LakeCounty Pine LakesCDP, LakeCounty Silver LakeCDP, LakeCounty Sorrento CDP, LakeCounty Fort MyersShoresCDP, LeeCounty Fort Myers,LeeCounty Tavares CCD,LakeCounty Tavares, LakeCounty Umatilla CCD,LakeCounty Umatilla, LakeCounty Yalaha CDP, LakeCounty Alva CDP, LeeCounty Boca GrandeCCD,LeeCounty Bokeelia CDP, LeeCounty Bonita SpringsCCD,LeeCounty Bonita Springs,LeeCounty Buckingham CDP, LeeCounty Burnt StoreMarinaCDP, LeeCounty Population 180,259 175,230 153,027 104,385 29,492 29,462 16,433 14,312 22,307 22,562 21,209 10,086 29,588 26,713 12,929 14,027 74,015 22,199 14,608 24,806 47,915 11,964 4,330 9,931 1,234 8,430 5,267 1,594 6,668 5,305 1,159 1,555 5,541 3,586 2,088 1,339 4,316 1,903 1,117 469 920 568 626 514 865 Households 13,046 65,919 61,251 13,790 10,185 62,852 28,441 42,523 19,634 1,479 3,345 9,484 8,293 6,936 6,053 4,605 9,216 9,803 1,488 3,290 3,604 5,747 1,577 5,096 1,980 9,227 6,232 1,399 1,521 8,311 9,110 205 986 527 297 300 520 388 223 689 215 539 819 358 610 Poverty % 20% 16% 12% 14% 12% 12% 10% 12% 24% 18% 14% 20% 17% 10% 12% 15% 43% 20% 15% 15% 12% 12% 20% 18% 20% 16% 10% 12% 11% 11% 11% 5% 4% 7% 9% 7% 7% 2% 9% 5% 9% 3% 9% 4% 6% ALICE % 62% 33% 34% 28% 25% 20% 20% 32% 29% 30% 39% 39% 69% 47% 40% 35% 41% 32% 28% 37% 21% 26% 28% 29% 29% 35% 19% 21% 26% 22% 30% 34% 65% 37% 40% 30% 31% 36% 16% 28% 20% 40% 26% 26% 31% Threshold % Above ALICE 18% 51% 54% 61% 61% 75% 76% 56% 64% 58% 51% 50% 19% 29% 42% 51% 39% 51% 63% 56% 72% 72% 63% 61% 59% 50% 76% 36% 54% 63% 59% 51% 26% 51% 48% 50% 51% 44% 81% 63% 76% 44% 64% 62% 63% Unemployment 40.4% 10.3% 16.7% 23.9% 13.8% 10.4% 14.4% 17.5% 19.9% 14.6% 13.2% 11.7% 11.1% 11.2% 11.2% 9.0% 8.7% 0.0% 5.6% 9.9% 6.9% 8.1% 5.0% 5.0% 4.5% 6.7% 5.7% 5.3% 6.0% 5.3% 9.3% 7.1% 0.0% 7.0% 6.4% 0.0% 9.0% 9.6% 7.5% 2.8% 5.1% 5.1% 8.0% 7.7% 2.8% Rate Coverage % Insurance Insurance Health Health 97% 86% 88% 81% 79% 99% 82% 82% 94% 82% 89% 90% 76% 69% 84% 88% 82% 74% 92% 93% 93% 91% 91% 85% 88% 80% 87% 85% 79% 94% 81% 76% 23% 85% 86% 79% 92% 83% 97% 91% 80% 83% 83% 81% 87% Housing Burden: Housing Burden: Owner Over Owner Over 14% 31% 22% 23% 23% 34% 35% 33% 21% 31% 32% 18% 25% 26% 25% 26% 36% 34% 26% 27% 34% 24% 24% 29% 22% 31% 14% 24% 26% 26% 25% 25% 27% 41% 24% 30% 21% 52% 48% 27% 29% 24% 11% 30% 0% 0% Renter Over30% Housing Burden: 63% 62% 43% 49% 24% 51% 33% 48% 52% 65% 44% 59% 55% 60% 57% 41% 53% 51% 52% 41% 40% 45% 50% 13% 86% 18% 46% 42% 53% 48% 48% 59% 92% 46% 23% 43% 50% 52% 54% 0% 0% 0% 0% 0% 0%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities Gateway CDP, LeeCounty Harlem HeightsCDP, LeeCounty Municipality byCounty Iona CDP, LeeCounty County Tallahassee NortheastCCD,Leon County Tallahassee NorthwestCCD,Leon Lehigh Acres CCD,LeeCounty Tallahassee SouthCCD,LeonCounty County Tallahassee Southwest CCD, Leon Tallahassee, LeonCounty Lehigh Acres CDP, LeeCounty Woodville CDP, Leon County Andrews CDP, LevyCounty County Lochmoor Waterway EstatesCDP, Lee Matlacha CDP, LeeCounty Bronson, LevyCounty Lee County Matlacha Isles-MatlachaShoresCDP, McGregor CDP, LeeCounty North FortMyersCCD,LeeCounty North FortMyersCDP, LeeCounty Olga CDP, LeeCounty Page ParkCDP, LeeCounty Palmona ParkCDP, LeeCounty Pine IslandCCD,LeeCounty Pine IslandCenterCDP, LeeCounty Pine ManorCDP, LeeCounty Pineland CDP, LeeCounty Punta RassaCDP, LeeCounty San CarlosParkCDP, LeeCounty Sanibel IslandCCD,LeeCounty Sanibel, LeeCounty St. JamesCityCDP, LeeCounty Suncoast EstatesCDP, LeeCounty Three OaksCDP, LeeCounty Tice CDP, LeeCounty Villas CDP, LeeCounty Whiskey CreekCDP, LeeCounty East LeonCCD,County Northeast LeonCCD,County Northwest LeonCCD,County Southeast LeonCCD,County Southwest LeonCCD,County Tallahassee CentralCCD,LeonCounty Tallahassee EastCCD,LeonCounty Population 150,099 189,894 119,480 13,830 14,838 26,964 15,776 16,606 37,229 40,560 18,443 10,349 36,882 23,675 15,372 13,019 46,066 21,031 52,711 8,208 1,423 2,695 1,191 4,561 7,652 2,104 1,245 8,277 1,877 4,451 1,767 7,077 6,899 3,900 4,570 3,188 4,293 4,973 851 955 354 549 293 Households 10,735 46,767 74,162 33,574 16,889 19,044 13,940 20,029 16,672 10,353 3,002 7,158 6,789 5,624 6,334 1,746 3,414 3,754 1,072 1,021 5,953 3,524 3,487 1,834 1,635 1,016 1,188 4,901 2,128 9,125 5,998 5,235 396 982 382 420 382 175 761 233 466 750 132 Poverty % 19% 14% 17% 41% 28% 47% 15% 29% 16% 19% 15% 18% 13% 51% 19% 14% 21% 56% 14% 12% 28% 29% 10% 19% 45% 11% 11% 9% 9% 6% 6% 9% 9% 0% 6% 6% 6% 2% 7% 4% 9% 4% 8% ALICE % 15% 39% 27% 20% 30% 19% 27% 29% 32% 19% 25% 36% 30% 58% 44% 43% 21% 24% 42% 41% 41% 49% 59% 34% 29% 38% 44% 26% 34% 19% 19% 30% 47% 19% 45% 42% 23% 15% 12% 17% 21% 28% 23% Threshold % Above ALICE 76% 42% 59% 63% 61% 40% 45% 24% 53% 52% 59% 45% 55% 36% 38% 46% 73% 67% 45% 48% 50% 22% 52% 50% 56% 68% 52% 75% 75% 58% 25% 79% 26% 51% 73% 76% 84% 73% 71% 53% 32% 0% 6% Unemployment 10.0% 19.8% 10.9% 12.9% 18.8% 16.5% 30.8% 12.6% 14.2% 13.9% 20.8% 13.0% 19.8% 11.4% 11.7% 6.1% 7.4% 9.1% 5.7% 8.9% 7.9% 8.1% 4.7% 0.0% 5.2% 7.8% 4.5% 7.4% 8.9% 9.8% 0.0% 8.5% 7.1% 6.8% 7.9% 5.9% 9.3% 4.9% 4.3% 6.4% 4.4% 7.5% 6.2% Rate Coverage % Insurance Insurance Health Health 94% 76% 87% 90% 94% 86% 81% 81% 79% 91% 88% 80% 85% 66% 89% 82% 64% 86% 81% 86% 72% 59% 58% 87% 82% 56% 92% 99% 72% 93% 94% 92% 61% 87% 52% 82% 91% 92% 95% 87% 92% 80% 86% Housing Burden: Housing Burden: Owner Over Owner Over 27% 27% 18% 21% 28% 27% 34% 35% 26% 23% 16% 26% 32% 17% 26% 32% 29% 29% 27% 26% 35% 25% 52% 29% 25% 60% 18% 17% 28% 32% 32% 25% 28% 27% 34% 35% 22% 24% 21% 25% 19% 24% 29% 30% Renter Over30% Housing Burden: 39% 19% 49% 55% 52% 69% 58% 71% 50% 63% 48% 52% 45% 18% 37% 18% 42% 47% 48% 25% 46% 58% 34% 37% 56% 83% 53% 43% 49% 50% 35% 46% 30% 64% 39% 21% 46% 41% 49% 46% 48% 66% 0%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Cedar Key, LevyCounty Municipality byCounty County Cedar Key-Yankeetown CCD,Levy Chiefland CCD,LevyCounty Chiefland, LevyCounty East BronsonCDP, LevyCounty East Williston CDP, LevyCounty Fanning Springs,LevyCounty Inglis, LevyCounty Manatee RoadCDP, LevyCounty Williston HighlandsCDP, LevyCounty Williston, LevyCounty Yankeetown, LevyCounty Williston-Bronson CCD,LevyCounty Bristol, LibertyCounty East LibertyCCD,County Hosford CDP, LibertyCounty Palmetto, ManateeCounty Parrish CCD,ManateeCounty Lake MysticCDP, LibertyCounty Samoset CDP, ManateeCounty South BradentonCDP, ManateeCounty West LibertyCCD,County Greenville CCD,MadisonCounty Greenville, MadisonCounty Lee, MadisonCounty Madison CCD,County Madison, MadisonCounty Anna Maria,ManateeCounty West Bradenton CDP, ManateeCounty Bayshore GardensCDP, ManateeCounty Bradenton Beach,ManateeCounty Bradenton CCD,ManateeCounty West Samoset CDP, ManateeCounty Manatee County Whitfield CDP (Manatee County), Bradenton, ManateeCounty Belleview CCD,MarionCounty Cortez CDP, ManateeCounty Belleview, MarionCounty Dunnellon CCD,MarionCounty Ellenton CDP, ManateeCounty Holmes Beach,ManateeCounty Longboat Key, ManateeCounty Memphis CDP, ManateeCounty Myakka CityCCD,ManateeCounty Palmetto CCD,ManateeCounty Population 239,435 108,771 22,084 12,973 25,196 23,822 14,740 19,446 12,612 47,297 31,801 11,990 51,811 5,747 2,234 2,355 1,046 1,370 2,790 2,142 2,730 1,107 2,326 4,695 5,969 3,989 1,080 2,940 1,219 4,492 7,010 3,173 4,043 4,612 3,009 4,045 7,072 8,152 667 731 514 740 381 561 946 Households 10,331 96,630 20,649 45,390 17,634 11,610 2,440 4,853 1,225 8,223 4,859 8,851 1,230 1,578 1,416 5,198 1,123 1,616 7,592 1,965 1,275 2,063 1,821 5,612 1,360 3,867 2,699 2,113 342 720 207 389 635 892 980 273 363 855 274 131 336 155 587 553 911 Poverty % 21% 18% 40% 26% 12% 26% 34% 16% 12% 23% 20% 21% 19% 10% 18% 23% 24% 27% 35% 25% 25% 44% 23% 19% 15% 39% 14% 15% 10% 24% 18% 12% 14% 20% 16% 9% 7% 7% 6% 7% 7% 2% 8% 8% 7% ALICE % 27% 31% 33% 26% 34% 21% 26% 25% 32% 25% 34% 25% 29% 35% 33% 38% 38% 38% 19% 41% 33% 33% 29% 30% 31% 32% 32% 44% 41% 39% 39% 27% 45% 34% 27% 38% 31% 42% 34% 33% 33% 25% 19% 39% 17% Threshold % Above ALICE 64% 48% 49% 34% 40% 67% 48% 41% 52% 63% 43% 55% 50% 46% 57% 46% 44% 55% 74% 36% 61% 43% 44% 35% 44% 43% 24% 33% 52% 42% 46% 66% 16% 52% 71% 47% 59% 34% 48% 59% 55% 61% 73% 41% 76% Unemployment 12.2% 13.3% 26.9% 16.7% 16.3% 16.4% 12.9% 15.3% 12.0% 18.8% 10.6% 21.9% 12.1% 14.0% 12.6% 10.0% 10.2% 16.5% 14.7% 10.3% 11.3% 4.2% 8.5% 9.0% 3.5% 6.4% 9.1% 3.0% 4.9% 7.9% 5.8% 7.6% 8.4% 5.8% 4.7% 9.5% 9.9% 5.2% 9.7% 9.1% 6.2% 9.3% 5.5% 7.5% 6.9% Rate Coverage % Insurance Insurance Health Health 90% 77% 80% 80% 64% 91% 85% 79% 78% 79% 84% 80% 82% 88% 82% 80% 82% 71% 93% 69% 91% 76% 82% 89% 66% 80% 81% 75% 90% 78% 88% 75% 64% 81% 87% 78% 83% 76% 90% 87% 90% 92% 98% 72% 91% Housing Burden: Housing Burden: Owner Over Owner Over 15% 26% 19% 20% 53% 10% 15% 33% 23% 10% 26% 23% 36% 18% 12% 28% 30% 27% 47% 14% 20% 18% 27% 28% 42% 26% 49% 21% 47% 37% 44% 27% 25% 26% 23% 27% 27% 24% 16% 35% 38% 33% 29% 30% 4% 9% Renter Over30% Housing Burden: 38% 34% 43% 49% 26% 77% 49% 38% 52% 54% 37% 45% 39% 48% 54% 13% 41% 50% 20% 34% 54% 57% 50% 68% 52% 27% 51% 47% 60% 61% 55% 41% 56% 44% 63% 44% 50% 65% 73% 42% 45% 38% 0% 8% 0%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities Dunnellon, MarionCounty East MarionCCD,County Fellowship CCD,MarionCounty Municipality byCounty County Fort McCoy-AnthonyCCD,Marion McIntosh, MarionCounty Ocala CCD,MarionCounty El Portal,Miami-DadeCounty Everglades CCD,Miami-DadeCounty Florida City, Miami-DadeCounty County Fountainebleau CDP, Miami-Dade Ocala, MarionCounty Gladeview CDP, Miami-DadeCounty County Glenvar HeightsCDP, Miami-Dade Golden Beach,Miami-DadeCounty Golden GladesCDP, Miami-DadeCounty Reddick, MarionCounty Reddick-McIntosh CCD,MarionCounty County Silver SpringsShoresCDP, Marion Hobe SoundCDP, MartinCounty Indiantown CCD,MartinCounty Indiantown CDP, MartinCounty Jensen BeachCDP, MartinCounty Jupiter Island,MartinCounty North RiverShoresCDP, MartinCounty Ocean BreezePark,MartinCounty Palm CityCDP, MartinCounty Port SalernoCDP, MartinCounty County Port Salerno-HobeSoundCCD,Martin Rio CDP, MartinCounty Sewall's Point,MartinCounty Stuart CCD,MartinCounty Stuart, MartinCounty Aventura, Miami-DadeCounty Bal Harbour, Miami-DadeCounty Bay HarborIslands,Miami-DadeCounty Biscayne Park,Miami-DadeCounty Brownsville CDP, Miami-DadeCounty Coral Gables,Miami-DadeCounty Coral Terrace CDP, Miami-DadeCounty Country ClubCDP, Miami-DadeCounty Country Walk CDP, Miami-DadeCounty Cutler Bay, Miami-DadeCounty Doral, Miami-DadeCounty Population 138,520 18,977 26,723 19,048 12,024 55,596 57,209 12,525 17,881 33,806 12,160 13,545 20,489 12,266 23,413 63,669 67,428 16,037 37,357 16,410 50,059 23,994 48,622 16,485 43,474 51,382 1,783 2,492 6,535 7,809 6,065 4,068 9,999 1,022 2,057 2,677 5,921 3,193 357 709 559 656 241 Households 10,985 15,038 52,626 18,175 21,664 26,439 29,301 18,701 17,954 12,848 15,811 7,625 5,383 1,827 2,794 3,548 7,025 4,666 2,964 5,948 6,212 1,484 5,288 1,559 9,558 4,236 7,418 1,521 2,604 1,156 4,890 7,319 4,482 9,118 958 200 883 214 196 291 162 452 811 Poverty % 30% 23% 16% 22% 13% 19% 10% 47% 18% 15% 45% 14% 12% 24% 20% 27% 17% 23% 12% 14% 22% 13% 13% 15% 12% 15% 10% 16% 12% 16% 15% 12% 45% 15% 21% 12% 11% 5% 2% 5% 9% 4% 8% ALICE % 35% 42% 31% 34% 37% 28% 34% 48% 39% 35% 50% 40% 36% 46% 36% 42% 41% 52% 41% 28% 40% 35% 14% 36% 59% 23% 38% 32% 31% 15% 33% 43% 35% 34% 32% 30% 41% 26% 42% 43% 27% 33% 9% Threshold % Above ALICE 35% 35% 53% 44% 58% 59% 47% 42% 14% 47% 35% 15% 50% 79% 30% 44% 31% 42% 25% 47% 58% 38% 52% 84% 51% 26% 72% 50% 59% 54% 81% 57% 41% 53% 50% 53% 58% 14% 66% 43% 36% 62% 55% Unemployment 13.4% 18.9% 14.9% 14.3% 12.2% 28.7% 26.1% 14.3% 12.1% 20.4% 16.2% 16.8% 14.6% 23.5% 12.0% 23.0% 11.5% 11.8% 11.3% 6.2% 5.8% 5.0% 8.7% 4.0% 9.2% 8.4% 8.1% 4.4% 3.5% 6.6% 9.2% 9.1% 6.0% 9.9% 7.2% 5.8% 5.8% 5.8% 5.7% 9.9% 6.1% 7.7% 7.5% Rate Coverage % Insurance Insurance Health Health 88% 78% 83% 84% 94% 80% 76% 72% 72% 84% 71% 69% 88% 96% 66% 82% 74% 79% 86% 85% 80% 69% 84% 92% 83% 90% 94% 78% 85% 84% 98% 88% 83% 87% 90% 80% 84% 71% 90% 78% 71% 83% 80% Housing Burden: Housing Burden: Owner Over Owner Over 29% 20% 28% 26% 24% 39% 34% 40% 49% 29% 39% 35% 31% 45% 46% 30% 32% 33% 37% 32% 36% 36% 29% 25% 27% 45% 31% 30% 29% 33% 41% 31% 33% 47% 57% 29% 35% 41% 33% 35% 42% 40% 38% 30% Renter Over30% Housing Burden: 32% 48% 40% 50% 28% 57% 57% 33% 67% 50% 63% 64% 51% 27% 62% 55% 53% 45% 52% 40% 59% 72% 59% 27% 76% 53% 35% 50% 44% 52% 16% 53% 57% 55% 59% 44% 70% 67% 48% 68% 61% 64% 51%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Goulds CDP, Miami-DadeCounty Hialeah CCD,Miami-DadeCounty County Palm SpringsNorthCDP, Miami-Dade Municipality byCounty Hialeah Gardens,Miami-DadeCounty Hialeah, Miami-DadeCounty Homestead CCD,Miami-DadeCounty Palmetto Bay, Miami-Dade County County Homestead BaseCDP, Miami-Dade Homestead, Miami-DadeCounty County Palmetto EstatesCDP, Miami-Dade Pinecrest, Miami-DadeCounty Kendale LakesCDP, Miami-DadeCounty Ives EstatesCDP, Miami-DadeCounty Pinewood CDP, Miami-DadeCounty Princeton CDP, Miami-DadeCounty County Princeton-Goulds CCD,Miami-Dade Dade County Kendale Lakes-Tamiami CCD,Miami- County Richmond HeightsCDP, Miami-Dade County Richmond West CDP, Miami-Dade County Kendall-Palmetto BayCCD,Miami-Dade Kendall West CDP, Miami-DadeCounty Kendall CDP, Miami-DadeCounty Key BiscayneCCD,Miami-DadeCounty Key Biscayne,Miami-DadeCounty Leisure CityCDP, Miami-DadeCounty Medley, Miami-DadeCounty Miami BeachCCD,Miami-DadeCounty Miami Beach,Miami-DadeCounty Miami CCD,Miami-DadeCounty Miami GardensCCD,Miami-DadeCounty Miami Gardens,Miami-DadeCounty Miami Lakes,Miami-DadeCounty Miami Shores,Miami-DadeCounty Miami Springs,Miami-DadeCounty Miami, Miami-DadeCounty Naranja CDP, Miami-DadeCounty North BayVillage, Miami-DadeCounty North MiamiBeach,Miami-DadeCounty North Miami,Miami-DadeCounty County North Westside CCD,Miami-Dade Ojus CDP, Miami-DadeCounty County Olympia HeightsCDP, Miami-Dade Opa-locka, Miami-DadeCounty Population 355,961 237,082 159,346 389,173 164,976 136,676 955,569 440,989 136,057 116,680 112,598 113,199 10,909 23,092 24,443 66,500 16,175 19,174 59,354 20,510 16,992 26,992 35,693 39,347 76,466 12,888 12,888 25,952 30,728 10,784 14,397 43,489 62,042 19,030 14,645 16,139 92,311 5,648 1,141 9,985 9,392 7,689 998 Households 105,967 108,419 330,469 171,720 71,124 31,844 19,154 17,936 44,109 53,022 63,962 43,400 30,472 29,814 14,150 18,302 40,686 11,330 26,911 2,756 1,592 6,254 7,318 3,969 5,980 6,908 4,655 6,598 2,569 8,967 4,570 4,570 6,478 9,794 3,250 4,923 2,706 3,219 6,880 3,985 5,247 356 118 Poverty % 100% 34% 25% 21% 32% 28% 15% 26% 15% 32% 21% 14% 18% 21% 12% 17% 10% 10% 34% 22% 17% 15% 25% 21% 26% 12% 29% 34% 12% 22% 24% 17% 17% 17% 47% 11% 8% 7% 6% 9% 8% 8% 9% ALICE % 41% 43% 40% 26% 44% 39% 20% 37% 40% 45% 19% 47% 35% 43% 52% 40% 38% 45% 33% 34% 30% 20% 20% 39% 62% 40% 40% 42% 45% 42% 33% 16% 41% 43% 48% 46% 46% 46% 42% 41% 29% 44% 0% Threshold % Above ALICE 25% 32% 39% 66% 24% 33% 73% 48% 34% 40% 75% 21% 44% 43% 30% 39% 50% 38% 57% 57% 60% 72% 72% 27% 16% 43% 45% 33% 34% 32% 56% 75% 47% 28% 18% 42% 32% 30% 41% 42% 54% 0% 9% Unemployment 15.4% 68.8% 14.6% 12.3% 18.7% 13.8% 19.5% 17.2% 14.9% 16.6% 12.9% 11.3% 11.3% 11.4% 11.0% 11.8% 11.5% 9.7% 8.1% 5.2% 6.9% 7.7% 0.0% 6.0% 9.4% 7.8% 7.3% 3.8% 8.0% 8.0% 4.8% 4.8% 8.0% 5.3% 3.3% 5.1% 8.1% 8.9% 7.3% 4.9% 8.0% 7.0% 6.6% Rate Coverage % Insurance Insurance Health Health 74% 70% 70% 85% 79% 50% 70% 89% 75% 73% 73% 92% 68% 74% 76% 76% 77% 78% 71% 90% 77% 86% 94% 94% 69% 58% 77% 79% 72% 73% 80% 80% 85% 77% 78% 77% 69% 65% 65% 73% 78% 81% 69% Housing Burden: Housing Burden: Owner Over Owner Over 36% 43% 36% 38% 39% 32% 29% 38% 31% 42% 31% 38% 43% 40% 42% 40% 43% 47% 28% 42% 34% 40% 40% 37% 23% 41% 40% 40% 45% 41% 38% 33% 37% 36% 46% 39% 43% 44% 39% 38% 38% 48% 30% ? Renter Over30% Housing Burden: 62% 67% 67% 19% 77% 67% 66% 66% 66% 64% 49% 59% 60% 56% 63% 59% 67% 63% 66% 53% 38% 55% 33% 33% 70% 64% 56% 54% 62% 65% 66% 57% 39% 63% 63% 66% 51% 61% 65% 62% 60% 51% 60%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities County South MiamiHeightsCDP, Miami-Dade South Miami,Miami-DadeCounty Municipality byCounty County South Westside CCD,Miami-Dade Upper KeysCCD,MonroeCounty Callahan, NassauCounty Callahan-Hilliard CCD,NassauCounty Fernandina BeachCCD,NassauCounty Fernandina Beach,NassauCounty Hilliard, NassauCounty County Nassau Village-Ratliff CDP, Nassau Sunny IslesBeach,Miami-DadeCounty Yulee CCD,Nassau County Yulee CDP, NassauCounty Sunset CDP, Miami-DadeCounty Surfside, Miami-DadeCounty Sweetwater, Miami-DadeCounty Tamiami CDP, Miami-DadeCounty The CrossingsCDP, Miami-DadeCounty County The HammocksCDP, Miami-Dade Three LakesCDP, Miami-DadeCounty University ParkCDP, Miami-DadeCounty Virginia Gardens,Miami-DadeCounty County West LittleRiverCDP, Miami-Dade West Miami,Miami-DadeCounty West PerrineCDP, Miami-DadeCounty Westchester CDP, Miami-DadeCounty Westview CDP, Miami-DadeCounty County Westwood LakesCDP, Miami-Dade Big CoppittKeyCDP, MonroeCounty Big PineKeyCDP, MonroeCounty Cudjoe KeyCDP, MonroeCounty Duck KeyCDP, MonroeCounty Islamorada, MonroeCounty Key ColonyBeach,MonroeCounty Key LargoCDP, MonroeCounty Key West CCD,MonroeCounty Key West, MonroeCounty Lower KeysCCD,MonroeCounty Marathon, MonroeCounty Middle KeysCCD,MonroeCounty North KeyLargoCDP, MonroeCounty Stock IslandCDP, MonroeCounty Tavernier CDP, MonroeCounty Population 38,255 12,156 92,583 20,389 27,276 21,320 21,837 27,284 16,069 20,739 57,195 23,938 55,713 16,749 25,870 30,749 10,399 30,585 10,624 12,449 10,496 33,175 25,366 12,163 10,165 11,990 11,672 1,291 3,121 5,228 5,987 2,957 6,400 2,567 4,716 1,833 6,386 8,563 1,024 3,901 2,435 665 739 Households 10,503 26,806 10,855 16,085 15,687 11,972 4,221 8,139 9,178 9,475 5,367 1,047 1,788 9,653 4,179 5,185 2,220 5,533 7,639 4,999 7,496 8,935 2,034 2,899 9,175 2,965 3,219 1,922 2,613 4,207 9,524 4,976 3,003 3,819 1,162 540 937 880 951 302 391 401 897 Poverty % 22% 15% 12% 31% 13% 10% 12% 19% 15% 12% 10% 16% 10% 30% 15% 12% 10% 19% 17% 28% 19% 28% 13% 27% 16% 12% 27% 13% 13% 13% 19% 18% 15% 19% 11% 11% 8% 9% 8% 9% 6% 8% 3% ALICE % 47% 33% 36% 34% 26% 20% 21% 24% 40% 24% 23% 24% 39% 32% 26% 44% 43% 33% 38% 33% 41% 40% 43% 44% 37% 45% 45% 42% 33% 41% 34% 19% 38% 25% 36% 39% 39% 36% 37% 34% 20% 51% 35% Threshold % Above ALICE 31% 52% 52% 35% 61% 70% 67% 57% 45% 65% 65% 66% 45% 58% 66% 26% 42% 55% 52% 58% 40% 43% 29% 37% 35% 42% 28% 42% 55% 51% 55% 54% 53% 69% 51% 48% 48% 56% 44% 48% 77% 34% 46% Unemployment 10.2% 10.5% 10.1% 16.5% 13.3% 15.2% 13.3% 10.2% 11.4% 11.5% 8.5% 7.1% 8.9% 8.0% 9.9% 7.4% 3.2% 6.0% 5.2% 5.1% 8.8% 7.4% 7.8% 7.5% 7.6% 7.5% 8.1% 8.1% 8.5% 6.9% 7.6% 5.3% 6.6% 0.9% 7.0% 5.8% 6.1% 5.0% 6.6% 6.4% 7.8% 2.9% 8.2% Rate Coverage % Insurance Insurance Health Health 74% 81% 82% 80% 84% 85% 84% 89% 79% 86% 85% 85% 85% 86% 92% 64% 75% 84% 77% 85% 79% 79% 70% 78% 77% 81% 72% 71% 75% 86% 88% 78% 87% 87% 81% 75% 78% 83% 69% 72% 88% 57% 69% Housing Burden: Housing Burden: Owner Over Owner Over 43% 37% 35% 33% 23% 31% 32% 24% 39% 19% 28% 26% 50% 33% 25% 41% 46% 40% 42% 40% 38% 43% 39% 45% 35% 42% 38% 37% 40% 45% 23% 49% 33% 38% 37% 41% 42% 36% 39% 40% 28% 45% 34% 30% Renter Over30% Housing Burden: 61% 54% 55% 63% 42% 47% 48% 45% 69% 31% 55% 44% 55% 74% 49% 64% 77% 52% 60% 66% 71% 52% 55% 63% 60% 68% 85% 65% 58% 32% 52% 63% 49% 28% 62% 61% 61% 46% 63% 58% 43% 67% 45%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Baker CCD,OkaloosaCounty Cinco Bayou,OkaloosaCounty Crestview CCD,OkaloosaCounty Municipality byCounty Crestview, OkaloosaCounty Destin, OkaloosaCounty Eglin AFB CCD,OkaloosaCounty Eglin AFB CDP, OkaloosaCounty County Fort Walton BeachCCD,Okaloosa Eatonville, OrangeCounty East OrangeCCD,County Edgewood, OrangeCounty Fort Walton Beach,OkaloosaCounty Lake LorraineCDP, OkaloosaCounty Laurel HillCCD,OkaloosaCounty Laurel Hill,OkaloosaCounty Mary Esther, OkaloosaCounty Fairview ShoresCDP, OrangeCounty Gotha CDP, OrangeCounty Niceville, OkaloosaCounty County Niceville-Valparaiso CCD,Okaloosa Holden HeightsCDP, OrangeCounty Horizon West CDP, OrangeCounty Ocean CityCDP, OkaloosaCounty Shalimar, OkaloosaCounty Hunters CreekCDP, OrangeCounty Valparaiso, OkaloosaCounty Lake ButlerCDP, OrangeCounty Wright CDP, OkaloosaCounty Lake HartCDP, OrangeCounty County Cypress QuartersCDP, Okeechobee County North OkeechobeeCCD, Okeechobee CCD,County Okeechobee, OkeechobeeCounty Taylor CreekCDP, OkeechobeeCounty Alafaya CDP, OrangeCounty Apopka CCD,OrangeCounty Apopka, OrangeCounty Bay HillCDP, OrangeCounty Azalea ParkCDP, OrangeCounty Belle Isle,OrangeCounty Bithlo CDP, OrangeCounty Christmas CDP, OrangeCounty Clarcona CDP, OrangeCounty Conway CDP, OrangeCounty Doctor PhillipsCDP, OrangeCounty Population 47,782 22,524 13,055 93,452 39,474 20,767 10,586 13,929 36,432 19,706 22,327 16,871 24,862 29,908 85,264 92,413 45,801 13,287 15,187 11,501 7,381 5,261 2,384 2,299 2,690 7,152 1,929 4,109 1,810 4,065 6,120 5,069 1,281 9,347 5,566 3,600 5,133 6,403 8,559 2,785 2,211 348 609 676 280 Households 16,874 39,078 13,730 10,210 10,777 28,286 31,695 15,688 13,119 2,844 7,983 5,702 4,101 1,559 1,037 8,502 3,093 1,766 4,207 5,441 1,405 6,465 2,467 7,784 1,603 5,562 2,269 1,909 1,748 1,864 4,545 2,388 2,735 1,158 5,457 192 928 581 799 241 566 292 159 427 859 Poverty % 12% 15% 14% 19% 10% 10% 10% 34% 12% 15% 13% 16% 22% 20% 12% 28% 14% 16% 36% 19% 24% 26% 25% 12% 13% 12% 21% 16% 24% 14% 7% 6% 8% 7% 7% 8% 6% 7% 9% 9% 4% 0% 8% 3% 8% ALICE % 28% 15% 19% 21% 20% 42% 45% 14% 23% 37% 23% 25% 27% 32% 29% 22% 34% 23% 22% 30% 19% 24% 14% 16% 23% 27% 12% 25% 34% 42% 18% 34% 31% 36% 22% 28% 27% 41% 22% 20% 27% 27% 51% 25% 7% Threshold % Above ALICE 60% 70% 67% 60% 73% 48% 45% 80% 67% 29% 65% 60% 60% 52% 49% 70% 46% 70% 66% 86% 42% 73% 62% 80% 77% 68% 64% 84% 59% 30% 39% 82% 42% 43% 39% 66% 59% 61% 38% 70% 77% 57% 49% 35% 67% Unemployment 25.5% 10.0% 27.0% 12.3% 13.9% 10.9% 16.7% 16.5% 11.7% 11.1% 7.0% 1.6% 9.1% 9.8% 6.1% 3.7% 3.6% 4.2% 6.7% 6.6% 8.2% 9.1% 6.0% 7.6% 5.4% 4.8% 3.6% 9.4% 5.2% 8.9% 6.6% 5.4% 5.8% 8.8% 3.1% 5.4% 9.6% 9.2% 7.2% 0.0% 9.9% 9.0% 8.8% 6.6% 7.0% Rate Coverage % Insurance Insurance 100% Health Health 81% 88% 88% 90% 80% 99% 98% 90% 88% 75% 81% 81% 88% 84% 86% 90% 76% 82% 89% 94% 75% 92% 79% 85% 86% 85% 90% 91% 78% 88% 78% 77% 74% 79% 90% 80% 82% 71% 83% 86% 85% 85% 74% 89% Housing Burden: Housing Burden: Owner Over Owner Over 22% 22% 26% 29% 32% 32% 39% 37% 27% 26% 27% 21% 19% 30% 35% 22% 20% 26% 24% 21% 26% 27% 25% 31% 21% 35% 25% 24% 23% 87% 23% 23% 18% 32% 29% 30% 32% 37% 21% 33% 41% 22% 27% 30% 0% 0% Renter Over30% Housing Burden: 100% 31% 32% 49% 49% 50% 42% 48% 39% 43% 45% 47% 50% 49% 41% 31% 23% 56% 39% 54% 65% 49% 50% 41% 43% 53% 53% 31% 47% 72% 33% 48% 41% 66% 57% 53% 51% 66% 31% 58% 44% 84% 43% 50% ?

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities Lake MaryJaneCDP, OrangeCounty Lockhart CDP, OrangeCounty Municipality byCounty Maitland, OrangeCounty Meadow Woods CDP, OrangeCounty Oak RidgeCDP, OrangeCounty Oakland, OrangeCounty Kissimmee CCD,OsceolaCounty Four CornersCDP, OsceolaCounty Ocoee, OrangeCounty Kissimmee, OsceolaCounty Orlando CCD,OrangeCounty County South andEastOsceolaCCD, St. CloudCCD,OsceolaCounty Orlando, OrangeCounty Orlovista CDP, OrangeCounty Paradise HeightsCDP, OrangeCounty St. Cloud,OsceolaCounty Pine CastleCDP, OrangeCounty Pine HillsCDP, OrangeCounty Acacia Villas CDP, PalmBeachCounty Atlantis, PalmBeach County Rio PinarCDP, OrangeCounty Sky LakeCDP, OrangeCounty South Apopka CDP, OrangeCounty Southchase CDP, OrangeCounty Southwest OrangeCCD,County Taft CDP, OrangeCounty Tangelo ParkCDP, OrangeCounty Tangerine CDP, OrangeCounty Tildenville CDP, OrangeCounty Union ParkCCD,OrangeCounty Union ParkCDP, OrangeCounty County University CDP (OrangeCounty),Orange Wedgefield CDP, OrangeCounty Williamsburg CDP, OrangeCounty Windermere, OrangeCounty Winter Garden, OrangeCounty County Winter Garden-Ocoee CCD,Orange Zellwood CDP, OrangeCounty Winter Park,OrangeCounty County Buenaventura LakesCDP, Osceola Campbell CDP, OsceolaCounty Celebration CDP, OsceolaCounty Population 155,240 572,795 138,679 270,917 190,344 237,277 14,312 16,630 28,943 23,108 32,727 39,884 69,152 41,502 10,796 76,081 14,987 10,498 32,937 37,955 96,736 29,182 31,348 1,430 2,721 6,951 5,978 2,175 5,490 6,260 5,372 1,852 2,346 2,538 1,921 7,800 8,148 3,106 3,302 2,561 7,816 823 375 Households 216,173 111,100 47,837 12,964 22,823 42,097 13,465 23,027 65,488 75,352 12,318 32,492 11,464 11,793 5,145 7,049 2,687 8,710 7,540 2,404 2,053 3,630 1,822 1,916 1,586 4,612 3,614 6,198 2,525 3,462 1,132 1,461 8,543 1,226 506 831 272 920 685 773 920 616 112 Poverty % 15% 14% 26% 12% 19% 24% 13% 19% 18% 19% 16% 29% 16% 32% 20% 18% 37% 10% 10% 25% 21% 19% 40% 16% 25% 32% 10% 14% 10% 16% 19% 18% 11% 5% 9% 6% 6% 9% 9% 7% 5% 8% 6% ALICE % 32% 31% 22% 31% 42% 43% 25% 20% 47% 26% 40% 33% 34% 32% 45% 41% 59% 36% 40% 42% 38% 18% 15% 41% 23% 27% 23% 44% 34% 21% 20% 27% 26% 29% 26% 29% 14% 26% 31% 28% 39% 48% 45% Threshold % Above ALICE 63% 54% 69% 55% 32% 45% 69% 74% 34% 65% 36% 54% 47% 50% 36% 43% 32% 35% 44% 26% 42% 75% 80% 41% 40% 63% 67% 31% 45% 60% 40% 57% 49% 39% 66% 60% 80% 64% 55% 62% 45% 33% 37% Unemployment 15.6% 10.7% 10.0% 10.0% 16.0% 23.0% 10.9% 38.9% 13.3% 23.6% 13.0% 15.9% 10.5% 10.6% 6.1% 4.9% 7.8% 7.4% 4.6% 6.6% 9.9% 8.5% 0.0% 7.2% 9.8% 9.8% 9.7% 4.8% 5.1% 9.4% 9.4% 6.5% 0.0% 9.1% 9.6% 6.7% 9.8% 7.7% 5.9% 9.3% 6.2% 6.9% 8.4% Rate Coverage % Insurance Insurance Health Health 98% 75% 89% 79% 63% 86% 91% 84% 76% 83% 84% 81% 77% 83% 71% 80% 78% 64% 82% 65% 83% 92% 92% 78% 69% 74% 85% 69% 79% 83% 92% 82% 83% 86% 87% 84% 94% 86% 80% 90% 89% 75% 83% Housing Burden: Housing Burden: Owner Over Owner Over 51% 30% 32% 38% 42% 24% 36% 23% 37% 29% 27% 34% 33% 27% 28% 36% 33% 31% 37% 30% 29% 29% 42% 28% 38% 32% 32% 35% 34% 75% 33% 35% 33% 37% 40% 40% 30% 31% 29% 20% 40% 22% 30% 4% Renter Over30% Housing Burden: 100% 100% 49% 42% 60% 60% 49% 51% 54% 58% 46% 55% 20% 57% 52% 55% 58% 63% 46% 61% 40% 28% 61% 54% 48% 50% 81% 57% 41% 87% 58% 56% 66% 71% 30% 47% 54% 56% 49% 48% 68% 56% 0%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Belle Glade,PalmBeachCounty County Belle Glade-PahokeeCCD,PalmBeach Boca RatonCCD,PalmBeachCounty North PalmBeach,BeachCounty Municipality byCounty Boca Raton,PalmBeachCounty Ocean Ridge,PalmBeachCounty Boynton Beach,PalmBeachCounty Pahokee, PalmBeachCounty County Palm BeachGardens, Beach County Boynton Beach-DelrayBeachCCD,Palm Palm BeachShores,County Palm Beach,BeachCounty Briny Breezes,PalmBeachCounty Palm Springs,BeachCounty Pine Air CDP, PalmBeachCounty Beach County Plantation MobileHomeParkCDP, Palm Riviera BeachCCD,Palm BeachCounty Cabana Colony CDP, Palm Beach County Canal PointCDP, PalmBeachCounty Delray Beach,PalmBeachCounty Greenacres, PalmBeachCounty Glades CCD,PalmBeachCounty Gulf Stream,PalmBeachCounty County Gun ClubEstatesCDP, PalmBeach Haverhill, PalmBeachCounty Highland Beach,PalmBeachCounty Hypoluxo, PalmBeachCounty Juno Beach,PalmBeachCounty Juno RidgeCDP, PalmBeachCounty Jupiter CCD,PalmBeachCounty Jupiter FarmsCDP, PalmBeachCounty Jupiter InletColony, PalmBeachCounty Jupiter, PalmBeachCounty County Kenwood EstatesCDP, PalmBeach Beach County Lake BelvedereEstatesCDP, Palm Lake ClarkeShores,PalmBeachCounty Lake Worth CCD,PalmBeachCounty Lake Park,PalmBeachCounty Lake Worth, PalmBeachCounty Lantana, PalmBeachCounty County Limestone CreekCDP, PalmBeach County Loxahatchee Groves,PalmBeach Manalapan, PalmBeachCounty Mangonia Park,PalmBeachCounty Population 131,939 318,218 104,227 217,286 17,950 34,563 12,425 93,226 73,972 50,977 21,832 66,261 38,840 88,259 59,054 36,403 10,910 11,514 1,590 6,003 1,077 8,418 2,450 1,123 2,266 1,174 1,979 3,654 2,668 3,325 1,451 3,475 3,483 8,376 1,022 3,306 1,929 812 376 440 677 566 390 265 Households 136,295 58,068 40,551 29,848 22,945 42,352 27,741 13,305 36,810 24,536 74,418 12,784 5,715 9,504 6,092 1,822 4,738 7,684 2,026 1,330 1,982 3,965 1,528 2,942 3,884 1,006 842 650 497 637 291 849 151 217 310 339 630 318 163 383 936 296 133 616 Poverty % 34% 34% 12% 30% 13% 10% 12% 23% 16% 23% 13% 19% 70% 16% 12% 20% 40% 22% 19% 24% 22% 15% 32% 11% 11% 11% 9% 7% 7% 5% 9% 9% 4% 9% 7% 8% 9% 8% 5% 2% 9% 6% 9% 2% ALICE % 38% 39% 24% 28% 20% 21% 41% 32% 24% 28% 31% 16% 45% 49% 47% 37% 31% 31% 34% 33% 19% 37% 14% 51% 26% 15% 23% 25% 61% 24% 16% 23% 18% 17% 28% 33% 38% 36% 30% 36% 21% 42% 11% 9% Threshold % Above ALICE 28% 27% 67% 65% 68% 68% 29% 55% 69% 62% 57% 79% 32% 35% 30% 54% 56% 58% 47% 58% 47% 82% 37% 54% 76% 70% 67% 30% 68% 79% 87% 68% 42% 72% 66% 45% 43% 40% 48% 49% 70% 89% 26% 11% Unemployment 18.1% 22.3% 34.2% 13.5% 10.2% 13.1% 10.2% 18.5% 18.4% 10.1% 12.2% 12.0% 10.0% 20.1% 11.3% 11.5% 11.2% 11.8% 7.8% 4.8% 3.5% 9.4% 5.2% 7.5% 6.0% 4.7% 9.3% 5.6% 9.2% 0.0% 5.2% 0.0% 9.8% 1.7% 7.4% 4.5% 9.5% 5.0% 5.4% 2.1% 5.0% 8.2% 9.3% 5.1% Rate Coverage % Insurance Insurance Health Health 76% 76% 89% 91% 89% 94% 72% 83% 90% 85% 84% 96% 68% 70% 52% 95% 84% 71% 93% 87% 82% 71% 97% 84% 78% 99% 86% 96% 70% 89% 88% 85% 87% 53% 71% 90% 74% 70% 65% 75% 84% 83% 91% 69% Housing Burden: Housing Burden: Owner Over Owner Over 27% 30% 35% 36% 29% 35% 38% 29% 32% 42% 34% 39% 41% 10% 21% 35% 25% 28% 35% 35% 32% 71% 42% 37% 28% 28% 12% 34% 36% 42% 33% 31% 30% 32% 30% 36% 37% 39% 56% 40% 30% 50% 30% 9% ? Renter Over30% Housing Burden: 100% 55% 50% 59% 59% 50% 60% 19% 39% 59% 50% 46% 56% 47% 62% 64% 50% 57% 57% 62% 60% 59% 58% 58% 15% 56% 68% 33% 31% 56% 68% 52% 37% 63% 52% 66% 33% 68% 56% 61% 62% 60% 36% 33%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities Royal PalmBeach,BeachCounty Riviera Beach,PalmBeachCounty Lacoochee CDP, PascoCounty Land O'LakesCDP, PascoCounty Palm BeachCounty Royal PalmBeach-West JupiterCCD, Municipality byCounty Meadow OaksCDP, PascoCounty Moon LakeCDP, PascoCounty New PortRicheyCCD,PascoCounty County Royal PalmEstatesCDP, PalmBeach San CastleCDP, PalmBeachCounty Schall CircleCDP, PalmBeachCounty County Seminole ManorCDP, PalmBeach South Bay, PalmBeachCounty South PalmBeach,BeachCounty County Sunshine ParkwayCCD,PalmBeach County New PortRicheyEastCDP, Pasco New PortRichey, PascoCounty Odessa CDP, PascoCounty Stacey StreetCDP, PalmBeachCounty Tequesta, PalmBeachCounty Pasadena HillsCDP, PascoCounty The Acreage CDP, PalmBeachCounty Watergate CDP, PalmBeachCounty Wellington, PalmBeachCounty County West PalmBeachCCD, West PalmBeach,BeachCounty County Western CommunityCCD,PalmBeach Westgate CDP, PalmBeachCounty Bayonet PointCDP, PascoCounty Beacon SquareCDP, PascoCounty Central PascoCCD,County Connerton CDP, PascoCounty Crystal SpringsCDP, PascoCounty Dade CityCCD,PascoCounty Dade CityNorthCDP, PascoCounty Dade City, PascoCounty Elfers CDP, PascoCounty Heritage PinesCDP, PascoCounty Holiday CDP, PascoCounty Hudson CDP, PascoCounty Jasmine EstatesCDP, PascoCounty Key Vista CDP, PascoCounty Lacoochee CCD,PascoCounty Population 104,820 164,449 199,891 150,804 106,782 131,013 36,175 33,445 33,812 15,260 37,853 60,155 28,359 25,453 14,609 13,982 20,636 12,033 19,604 1,630 2,343 4,774 3,014 4,358 1,253 2,866 4,976 1,350 8,686 7,404 5,819 8,292 3,245 8,310 6,564 3,573 2,467 6,655 1,987 1,559 6,133 516 968 Households 37,692 66,208 71,218 19,959 58,959 41,168 10,974 43,746 11,354 11,570 11,893 11,205 1,675 1,078 3,972 6,575 2,515 2,534 3,444 9,072 2,187 2,580 5,613 2,663 5,482 1,081 8,820 5,457 7,423 2,127 513 960 799 388 912 595 804 972 305 345 798 559 117 Poverty % 20% 38% 16% 25% 30% 13% 54% 30% 37% 14% 18% 21% 21% 27% 20% 14% 33% 17% 21% 22% 25% 38% 28% 20% 19% 16% 23% 22% 11% 8% 7% 8% 8% 7% 4% 6% 6% 8% 5% 7% 0% 2% 4% ALICE % 33% 29% 24% 18% 29% 38% 23% 31% 37% 31% 33% 31% 32% 41% 42% 26% 54% 22% 28% 37% 34% 21% 31% 20% 37% 34% 19% 43% 40% 41% 17% 26% 48% 31% 26% 32% 41% 22% 43% 35% 39% 15% 30% Threshold % Above ALICE 47% 33% 68% 75% 55% 37% 69% 39% 50% 15% 37% 32% 54% 41% 37% 63% 25% 70% 65% 59% 60% 73% 42% 72% 43% 52% 76% 24% 43% 38% 76% 74% 30% 44% 36% 40% 39% 76% 38% 49% 38% 81% 48% Unemployment 14.0% 22.2% 12.2% 14.1% 19.4% 16.4% 22.5% 17.6% 17.3% 13.5% 10.7% 13.6% 15.7% 10.9% 16.4% 12.4% 10.5% 10.4% 13.2% 13.2% 12.4% 11.4% 11.0% 11.8% 6.3% 6.1% 6.8% 9.1% 8.2% 4.2% 7.3% 4.7% 5.2% 6.9% 6.7% 7.4% 7.0% 9.1% 6.0% 6.8% 1.9% 8.5% 6.0% Rate Coverage % Insurance Insurance Health Health 82% 71% 88% 92% 83% 79% 88% 63% 60% 74% 77% 83% 85% 86% 81% 94% 43% 88% 91% 89% 88% 87% 67% 88% 75% 83% 90% 64% 83% 81% 90% 89% 77% 81% 69% 78% 77% 99% 78% 84% 78% 90% 76% Housing Burden: Housing Burden: Owner Over Owner Over 36% 31% 33% 28% 22% 22% 34% 45% 43% 28% 41% 43% 28% 32% 32% 46% 34% 43% 39% 23% 37% 38% 35% 38% 31% 36% 37% 23% 33% 26% 24% 24% 34% 22% 31% 27% 23% 26% 12% 26% 11% 30% 8% ? Renter Over30% Housing Burden: 100% 100% 62% 45% 49% 40% 50% 50% 50% 67% 45% 44% 60% 51% 43% 54% 60% 57% 60% 54% 41% 70% 54% 46% 55% 53% 56% 54% 47% 72% 48% 52% 38% 15% 58% 50% 62% 58% 58% 51% 53% 64% 45%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Port RicheyCCD,PascoCounty Municipality byCounty Port Richey, PascoCounty Quail RidgeCDP, PascoCounty San Antonio, PascoCounty River RidgeCDP, PascoCounty North RedingtonBeach,PinellasCounty Shady HillsCDP, PascoCounty Trilby CDP, PascoCounty Trinity CDP, PascoCounty Oldsmar, PinellasCounty Wesley ChapelCDP, PascoCounty Palm HarborCDP, PinellasCounty Zephyrhills CCD,PascoCounty Pinellas Park,County Zephyrhills NorthCDP, PascoCounty Zephyrhills SouthCDP, PascoCounty Zephyrhills West CDP, PascoCounty Zephyrhills, PascoCounty Bardmoor CDP, PinellasCounty Bay PinesCDP, PinellasCounty Bear CreekCDP, PinellasCounty Belleair Beach,PinellasCounty Redington Beach,PinellasCounty Belleair Bluffs,PinellasCounty Redington Shores,PinellasCounty Ridgecrest CDP, PinellasCounty Safety Harbor, PinellasCounty Belleair, PinellasCounty Seminole, PinellasCounty South HighpointCDP, PinellasCounty St. PeteBeachCCD, Pinellas County South Pasadena,Pinellas County Boca CiegaCCD,PinellasCounty Clearwater CCD,PinellasCounty Clearwater, PinellasCounty Dunedin, PinellasCounty East LakeCDP, PinellasCounty Feather SoundCDP, PinellasCounty Greenbriar CDP, PinellasCounty Gulfport, PinellasCounty Harbor BluffsCDP, PinellasCounty Indian RocksBeach,PinellasCounty Indian Shores,PinellasCounty Kenneth City, PinellasCounty Largo, PinellasCounty Lealman CDP, PinellasCounty Madeira Beach,PinellasCounty Population 109,191 323,210 112,979 10,817 10,459 13,860 49,735 59,769 53,893 50,433 14,275 17,142 17,637 16,130 66,868 35,712 32,054 12,167 81,007 20,783 2,699 1,263 1,107 4,601 1,484 2,310 5,359 5,207 9,448 3,240 1,840 1,685 1,565 2,236 2,046 3,237 3,941 4,624 5,009 3,370 2,385 2,786 4,172 1,469 5,013 4,320 333 Households 139,857 44,677 16,444 26,423 23,947 20,981 30,600 46,240 16,656 13,041 35,192 1,295 3,925 4,027 5,038 1,286 2,601 2,723 6,409 3,845 1,401 1,196 1,189 1,039 7,158 1,737 8,360 1,646 8,539 3,255 1,767 5,925 1,149 2,132 1,815 8,682 2,296 1,811 495 423 741 221 899 723 713 981 843 Poverty % 17% 16% 14% 18% 17% 14% 13% 19% 13% 17% 19% 12% 17% 14% 12% 24% 12% 22% 10% 12% 13% 14% 17% 10% 15% 17% 28% 15% 11% 11% 11% 4% 6% 6% 6% 6% 9% 7% 7% 8% 4% 9% 6% 7% 8% 8% 5% ALICE % 35% 31% 23% 19% 22% 32% 48% 20% 25% 14% 26% 34% 43% 32% 36% 34% 24% 27% 25% 33% 14% 14% 23% 33% 30% 25% 28% 35% 24% 40% 18% 28% 31% 27% 33% 19% 19% 28% 32% 26% 23% 35% 30% 35% 27% 11% 11% Threshold % Above ALICE 48% 53% 63% 77% 58% 72% 50% 35% 74% 83% 64% 80% 65% 52% 44% 49% 51% 49% 57% 61% 58% 53% 79% 79% 65% 43% 59% 67% 60% 43% 66% 48% 78% 61% 56% 59% 58% 75% 74% 64% 51% 81% 69% 67% 50% 53% 37% Unemployment 12.0% 13.7% 35.5% 10.2% 12.5% 18.4% 21.0% 23.8% 10.1% 18.1% 10.0% 12.1% 11.1% 11.5% 7.2% 9.7% 9.9% 7.8% 3.4% 5.2% 3.3% 7.0% 7.4% 3.6% 6.9% 7.2% 5.4% 9.2% 3.7% 8.0% 6.2% 6.3% 9.0% 7.0% 9.5% 7.3% 8.3% 7.0% 6.7% 7.5% 4.7% 1.9% 2.5% 8.4% 8.0% 4.4% 5.7% Rate Coverage % Insurance Insurance Health Health 83% 83% 82% 88% 81% 92% 84% 96% 97% 96% 86% 89% 90% 87% 92% 84% 90% 86% 88% 83% 85% 82% 94% 88% 87% 78% 88% 88% 85% 73% 92% 88% 95% 86% 84% 85% 86% 92% 95% 86% 84% 93% 88% 93% 86% 86% 80% Housing Burden: Housing Burden: Owner Over Owner Over 25% 31% 40% 31% 22% 25% 52% 40% 33% 25% 26% 29% 20% 16% 16% 12% 21% 26% 22% 17% 30% 46% 29% 39% 30% 41% 26% 28% 39% 30% 33% 39% 31% 30% 30% 32% 30% 37% 41% 35% 34% 36% 36% 27% 26% 27% 11% 30% Renter Over30% Housing Burden: 52% 42% 51% 61% 48% 30% 46% 38% 50% 44% 44% 32% 53% 50% 44% 68% 48% 49% 33% 61% 57% 49% 35% 43% 51% 33% 44% 53% 45% 58% 58% 54% 41% 46% 53% 57% 51% 49% 19% 48% 61% 37% 45% 28% 65% 45% 52%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities St. PeteBeach,PinellasCounty St. PetersburgCCD,PinellasCounty Municipality byCounty St. Petersburg,PinellasCounty Lake Alfred, PolkCounty Lake Hamilton,PolkCounty Tarpon SpringsCCD,PinellasCounty Lake Wales CCD,PolkCounty Tarpon Springs,PinellasCounty Tierra Verde CDP, PinellasCounty Lake Wales, PolkCounty Lakeland CCD,PolkCounty Treasure Island,PinellasCounty Lakeland HighlandsCDP, PolkCounty West LealmanCDP, PinellasCounty Alturas CDP, PolkCounty Auburndale, PolkCounty Babson ParkCDP, PolkCounty Bartow CCD,PolkCounty Lakeland, PolkCounty Bartow, PolkCounty Bradley JunctionCDP, PolkCounty Combee SettlementCDP, PolkCounty Crooked LakeParkCDP, PolkCounty Crystal LakeCDP, PolkCounty Cypress GardensCDP, PolkCounty Loughman CDP, PolkCounty Davenport, PolkCounty Dundee, PolkCounty Eagle Lake,PolkCounty Fort Meade,PolkCounty Frostproof CCD,PolkCounty Frostproof, PolkCounty Fuller HeightsCDP, PolkCounty Medulla CDP, PolkCounty Mulberry, PolkCounty Fussels CornerCDP, PolkCounty Grenelefe CDP, PolkCounty Haines CityCCD,PolkCounty Haines City, PolkCounty Highland CityCDP, PolkCounty Highland Park,PolkCounty Hillcrest Heights,PolkCounty Inwood CDP, PolkCounty Jan PhylVillage CDP, PolkCounty Kathleen CDP, PolkCounty Population 388,685 257,088 136,584 257,087 104,410 130,246 42,879 24,003 14,929 15,838 14,281 61,241 18,094 14,535 21,624 10,120 11,728 9,466 5,213 1,080 3,359 6,783 3,756 1,337 5,921 1,564 6,452 8,955 2,877 3,137 3,908 2,486 5,824 3,062 9,777 8,334 3,900 5,064 1,800 6,739 4,690 5,895 480 309 280 Households 166,259 103,788 57,398 16,361 92,789 20,451 38,975 44,107 5,077 1,924 9,809 1,631 5,427 3,566 3,996 7,506 1,249 5,931 2,035 2,048 3,561 1,055 1,021 1,430 1,826 3,544 3,328 3,130 1,567 2,125 6,867 3,525 2,256 1,617 2,043 4,711 1,119 364 318 170 612 872 743 136 103 Poverty % 10% 16% 27% 16% 10% 14% 16% 23% 15% 16% 22% 19% 21% 15% 20% 23% 25% 20% 31% 15% 19% 23% 17% 16% 19% 17% 10% 16% 17% 16% 25% 16% 30% 17% 20% 11% 9% 6% 9% 4% 7% 5% 3% 7% 8% ALICE % 23% 30% 32% 26% 35% 25% 28% 39% 34% 35% 25% 40% 25% 34% 28% 19% 33% 30% 48% 48% 46% 37% 40% 33% 35% 43% 33% 33% 37% 38% 44% 34% 49% 34% 38% 45% 34% 38% 30% 51% 24% 40% 38% 31% 9% Threshold % Above ALICE 67% 54% 49% 41% 58% 56% 65% 58% 45% 43% 85% 50% 66% 44% 53% 47% 51% 77% 52% 50% 29% 27% 34% 32% 45% 60% 46% 34% 50% 51% 44% 45% 45% 56% 35% 61% 45% 52% 50% 37% 63% 41% 60% 30% 45% Unemployment 12.5% 13.2% 17.6% 12.9% 16.3% 13.9% 10.6% 23.2% 27.4% 21.9% 10.1% 13.7% 14.6% 10.7% 16.2% 19.7% 11.4% 11.4% 11.0% 7.4% 8.7% 6.3% 8.4% 5.8% 6.8% 8.6% 7.0% 9.0% 9.9% 6.2% 7.5% 7.4% 3.1% 9.2% 8.7% 3.9% 7.9% 7.3% 3.1% 8.4% 7.4% 7.7% 6.4% 2.8% 8.0% Rate Coverage % Insurance Insurance Health Health 89% 84% 79% 84% 89% 78% 89% 85% 83% 85% 96% 86% 88% 84% 79% 81% 85% 93% 84% 87% 64% 70% 82% 81% 89% 87% 80% 75% 83% 85% 81% 91% 81% 92% 84% 88% 83% 90% 80% 70% 89% 90% 89% 73% 88% Housing Burden: Housing Burden: Owner Over Owner Over 31% 31% 32% 25% 29% 18% 29% 29% 24% 29% 40% 23% 39% 26% 27% 26% 23% 23% 23% 23% 29% 26% 29% 19% 20% 26% 28% 24% 22% 21% 23% 17% 43% 20% 26% 19% 28% 15% 29% 33% 19% 21% 17% 29% 17% 30% Renter Over30% Housing Burden: 100% 54% 50% 36% 75% 46% 29% 51% 46% 50% 56% 12% 49% 55% 57% 53% 56% 32% 43% 44% 59% 57% 69% 47% 49% 59% 54% 39% 36% 29% 58% 35% 37% 50% 42% 51% 68% 52% 56% 40% 27% 35% 52% 55% 0%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Poinciana CDP, PolkCounty Municipality byCounty Polk City, PolkCounty Wahneta CDP, PolkCounty Waverly CDP, PolkCounty Willow OakCDP, PolkCounty Winter Haven,PolkCounty Holley-Navarre CCD,SantaRosaCounty County Winter Haven-AuburndaleCCD,Polk Jay CCD,SantaRosaCounty Crescent CityCCD,PutnamCounty Crescent City, PutnamCounty East PalatkaCCD,PutnamCounty East PalatkaCDP, PutnamCounty Interlachen, PutnamCounty County Interlachen-Florahome CCD,Putnam Palatka CCD,PutnamCounty Palatka, PutnamCounty Welaka, PutnamCounty Pomona Park,PutnamCounty Allentown CCD,SantaRosaCounty Jay, SantaRosaCounty Midway CCD,SantaRosaCounty Allentown CDP, SantaRosaCounty Rosa County Midway CDP (SantaRosaCounty),Santa Avalon CDP, SantaRosaCounty Milton CCD,SantaRosaCounty Milton, SantaRosaCounty Mulat CDP, SantaRosaCounty Munson CCD,SantaRosaCounty Munson CDP, SantaRosaCounty Avalon-Mulat CCD,SantaRosaCounty Navarre BeachCCD, Santa RosaCounty Bagdad CCD,SantaRosaCounty Bagdad CDP, SantaRosaCounty Berrydale CCD,SantaRosaCounty Brownsdale CDP, SantaRosaCounty Chumuckla CDP, SantaRosaCounty East MiltonCCD,SantaRosaCounty East MiltonCDP, SantaRosaCounty Floridatown CDP, SantaRosaCounty Garcon PointCDP, SantaRosaCounty Gulf BreezeCCD,SantaRosaCounty Gulf Breeze,SantaRosaCounty Harold CCD,SantaRosaCounty Harold CDP, SantaRosaCounty Holley CDP, SantaRosaCounty Population 120,688 73,943 35,835 34,480 16,973 24,579 22,866 10,414 24,046 17,434 10,504 12,988 12,490 2,413 5,372 4,948 3,572 1,814 8,278 1,852 1,430 2,186 9,276 1,238 6,378 1,079 6,306 3,951 1,970 6,092 6,092 1,054 1,531 828 642 732 420 946 571 466 257 518 767 326 468 908 Households 17,275 14,120 12,741 44,129 1,181 1,770 1,453 6,392 3,438 9,285 8,568 3,827 9,401 6,903 4,312 3,762 2,341 2,421 1,494 2,998 2,814 2,366 2,366 743 374 725 508 538 280 285 910 190 376 264 574 128 518 731 202 300 123 180 421 343 546 114 Poverty % 20% 19% 39% 19% 20% 18% 18% 27% 18% 34% 18% 20% 34% 23% 30% 41% 24% 24% 17% 14% 14% 25% 14% 21% 18% 24% 26% 17% 16% 12% 9% 9% 5% 8% 2% 9% 5% 5% 7% 3% 5% 0% 7% 0% 6% 6% ALICE % 38% 33% 31% 53% 42% 12% 38% 20% 28% 35% 27% 31% 25% 25% 27% 25% 31% 33% 34% 30% 38% 26% 24% 20% 27% 31% 32% 18% 37% 33% 78% 21% 31% 32% 39% 20% 26% 24% 23% 14% 20% 20% 19% 13% 11% 5% Threshold % Above ALICE 42% 48% 30% 28% 38% 70% 44% 71% 45% 47% 39% 51% 55% 41% 50% 45% 28% 43% 42% 61% 45% 69% 68% 78% 64% 55% 54% 57% 49% 62% 17% 72% 48% 50% 92% 56% 80% 67% 52% 51% 72% 86% 74% 74% 65% 75% Unemployment 16.8% 27.4% 12.0% 13.2% 13.4% 14.7% 18.1% 14.2% 12.1% 17.3% 21.8% 10.5% 13.4% 15.3% 13.2% 18.2% 15.4% 15.9% 13.2% 11.0% 11.8% 0.0% 5.9% 7.3% 9.3% 6.6% 8.2% 8.8% 3.6% 6.3% 3.1% 6.4% 0.0% 9.7% 8.2% 8.7% 8.8% 0.0% 2.9% 4.5% 2.9% 0.0% 5.8% 5.8% 4.5% 0.0% Rate Coverage % Insurance Insurance Health Health 77% 86% 54% 78% 75% 79% 83% 89% 81% 76% 76% 80% 82% 74% 80% 82% 82% 79% 82% 86% 87% 89% 90% 92% 89% 81% 81% 90% 86% 73% 96% 87% 79% 78% 97% 80% 93% 86% 81% 82% 99% 97% 91% 91% 81% 86% Housing Burden: Housing Burden: Owner Over Owner Over 41% 21% 22% 33% 18% 27% 27% 25% 30% 34% 26% 28% 17% 24% 28% 38% 26% 26% 17% 24% 24% 26% 13% 29% 27% 29% 67% 13% 34% 23% 32% 34% 33% 19% 14% 33% 24% 24% 31% 44% 21% 21% 24% 16% 30% 0% 0% Renter Over30% Housing Burden: 59% 43% 49% 75% 39% 34% 50% 45% 49% 40% 41% 49% 79% 35% 46% 60% 59% 55% 36% 31% 31% 37% 51% 47% 52% 41% 43% 78% 32% 70% 34% 63% 56% 20% 53% 53% 48% 50% 50% 50% 59% 0% 4% 0% ? ?

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities Navarre BeachCDP, SantaRosaCounty Navarre CDP, SantaRosaCounty Municipality byCounty Oriole BeachCDP, SantaRosaCounty South GateRidgeCDP, SarasotaCounty Pace CDP, SantaRosaCounty Pace CCD,SantaRosaCounty South SarasotaCDP, SarasotaCounty South Venice CDP, SarasotaCounty Pea RidgeCDP, SantaRosaCounty Point BakerCDP, SantaRosaCounty Roeville CDP, SantaRosaCounty Skyline CCD,SantaRosaCounty Tiger PointCDP, SantaRosaCounty Southgate CDP, SarasotaCounty The MeadowsCDP, SarasotaCounty Wallace CDP, SantaRosaCounty County Woodlawn BeachCDP, SantaRosa Vamo CDP, SarasotaCounty Venice CCD,Sarasota County Bee RidgeCDP, SarasotaCounty Desoto LakesCDP, SarasotaCounty Venice Gardens CDP, SarasotaCounty Englewood CCD,SarasotaCounty Englewood CDP, SarasotaCounty Venice, SarasotaCounty Fruitville CDP, SarasotaCounty Gulf GateEstatesCDP, SarasotaCounty County Gulf GateEstates-OspreyCCD,Sarasota Interior CountyCCD,Sarasota Kensington ParkCDP, SarasotaCounty Lake SarasotaCDP, SarasotaCounty Laurel CDP, SarasotaCounty Longboat KeyCCD,SarasotaCounty Nokomis CDP, SarasotaCounty North PortCCD,SarasotaCounty North Port,SarasotaCounty North SarasotaCDP, SarasotaCounty Osprey CDP, SarasotaCounty Plantation CDP, SarasotaCounty County Ridge Wood HeightsCDP, Sarasota Sarasota CCD,County Sarasota SpringsCDP, SarasotaCounty Sarasota, SarasotaCounty Siesta KeyCDP, SarasotaCounty Population 184,004 32,949 21,997 32,945 14,652 67,543 14,515 21,402 13,725 10,358 28,372 32,256 64,026 59,555 15,547 53,583 16,112 11,245 1,079 1,608 5,902 4,973 4,036 3,440 2,978 7,329 4,022 1,502 2,026 4,768 9,836 3,692 7,659 4,185 4,759 9,390 4,592 3,152 7,587 6,664 4,933 4,760 6,058 513 Households 12,195 32,735 14,190 15,196 24,971 22,580 79,818 23,461 11,538 11,524 2,983 2,528 7,663 2,418 6,252 1,412 1,181 5,907 1,212 3,366 2,184 2,519 4,453 1,341 3,367 5,786 7,496 5,716 5,287 1,500 1,635 4,389 2,489 1,414 3,087 2,916 2,734 2,050 6,098 518 545 212 604 741 Poverty % 10% 14% 12% 12% 20% 14% 14% 18% 10% 10% 10% 13% 14% 10% 18% 10% 20% 15% 12% 16% 11% 11% 11% 3% 9% 9% 5% 9% 9% 9% 5% 3% 7% 9% 7% 8% 7% 8% 8% 5% 8% 5% 6% 9% ALICE % 20% 17% 22% 26% 31% 26% 22% 41% 29% 36% 23% 35% 34% 15% 18% 25% 26% 25% 31% 23% 33% 30% 33% 30% 29% 35% 26% 22% 37% 26% 28% 16% 29% 28% 27% 36% 20% 22% 25% 28% 28% 32% 11% 5% Threshold % Above ALICE 92% 71% 74% 68% 69% 60% 60% 69% 47% 59% 44% 63% 56% 52% 80% 64% 72% 64% 82% 65% 60% 66% 57% 63% 56% 62% 64% 52% 66% 70% 49% 69% 62% 76% 53% 62% 62% 44% 75% 72% 60% 60% 63% 52% Unemployment 13.0% 18.2% 10.1% 14.4% 13.6% 13.1% 10.2% 10.6% 12.4% 10.3% 11.4% 11.4% 0.0% 6.5% 2.2% 4.6% 3.4% 5.9% 7.6% 4.9% 5.7% 9.1% 5.7% 1.6% 3.7% 9.1% 7.3% 9.3% 5.3% 6.9% 9.9% 6.7% 7.4% 4.9% 4.1% 4.4% 8.7% 2.1% 9.5% 9.2% 6.3% 5.6% 7.3% 7.0% Rate Coverage % Insurance Insurance Health Health 97% 89% 93% 89% 90% 79% 89% 92% 86% 75% 93% 84% 80% 85% 91% 85% 91% 89% 94% 90% 88% 82% 88% 86% 88% 93% 87% 78% 89% 93% 76% 79% 89% 98% 76% 87% 86% 77% 92% 96% 75% 83% 76% 79% Housing Burden: Housing Burden: Owner Over Owner Over 33% 28% 37% 23% 23% 30% 33% 25% 25% 15% 27% 23% 24% 29% 17% 24% 32% 28% 16% 34% 27% 33% 27% 23% 24% 28% 25% 34% 29% 24% 33% 26% 29% 35% 30% 23% 25% 31% 29% 21% 29% 31% 28% 33% 30% Renter Over30% Housing Burden: 20% 45% 32% 40% 66% 57% 60% 43% 47% 24% 84% 40% 52% 62% 34% 48% 46% 56% 52% 55% 30% 57% 46% 55% 59% 47% 50% 49% 46% 60% 59% 52% 32% 45% 41% 40% 52% 36% 42% 47% 49% 57% 50% 0%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year County Warm MineralSpringsCDP, Sarasota Municipality byCounty Altamonte Springs,SeminoleCounty Black HammockCDP, SeminoleCounty Casselberry, SeminoleCounty County St. Augustine SouthCDP, St.Johns Seminole County Casselberry-Altamonte SpringsCCD, St. Augustine, St.JohnsCounty Villano BeachCDP, St.JohnsCounty County World Golf Village CDP, St.Johns Chuluota CDP, SeminoleCounty Fern ParkCDP, SeminoleCounty Forest CityCDP, SeminoleCounty Geneva CDP, SeminoleCounty Fort PierceCCD,St.LucieCounty Goldenrod CDP, SeminoleCounty Heathrow CDP, SeminoleCounty Fort PierceNorthCDP, St.LucieCounty Fort PierceSouthCDP, St.LucieCounty Fort Pierce,St.LucieCounty Lake Mary, SeminoleCounty County Hutchinson IslandCCD,St.Lucie County Hutchinson IslandSouth CDP, St. Lucie Longwood, SeminoleCounty Seminole County Midway CDP (SeminoleCounty), Oviedo CCD,SeminoleCounty Oviedo, SeminoleCounty Sanford CCD,SeminoleCounty Sanford, SeminoleCounty Wekiwa SpringsCDP, SeminoleCounty Winter Springs, SeminoleCounty Butler BeachCDP, St.JohnsCounty Crescent BeachCDP, St.JohnsCounty Fruit CoveCCD,St.JohnsCounty Flagler EstatesCDP, St.JohnsCounty Fruit CoveCDP, St.JohnsCounty Hastings CCD,St.JohnsCounty Hastings, St.JohnsCounty Matanzas CCD,St.JohnsCounty Nocatee CDP, St.JohnsCounty Palm Valley CDP, St.JohnsCounty Ponte Vedra CCD,St.JohnsCounty Sawgrass CDP, St.JohnsCounty St. Augustine Beach,St.JohnsCounty St. Augustine CCD,St.JohnsCounty County St. Augustine ShoresCDP, St.Johns Population 206,247 132,797 109,288 110,320 42,218 26,663 13,676 13,323 14,924 12,603 43,267 15,038 13,848 98,302 36,617 56,170 23,500 33,973 43,372 31,146 12,075 16,265 21,630 29,495 4,935 8,024 5,349 3,051 2,481 8,161 2,459 5,962 7,058 4,646 5,026 1,485 5,629 3,051 7,306 5,321 6,564 9,011 963 859 682 Households 16,709 10,694 75,543 42,984 16,522 31,236 10,721 45,481 19,039 13,609 10,066 12,191 41,860 11,891 2,571 3,721 2,144 5,477 1,044 4,624 3,226 4,705 4,755 2,308 2,341 1,837 5,375 5,145 3,105 4,780 8,375 2,641 1,015 4,452 7,130 2,321 8,767 2,531 2,926 388 778 534 487 273 811 Poverty % 10% 12% 15% 18% 10% 14% 13% 23% 22% 35% 26% 33% 10% 12% 26% 12% 18% 16% 24% 19% 33% 12% 11% 11% 11% 8% 5% 5% 3% 2% 9% 5% 8% 9% 7% 4% 8% 7% 5% 5% 5% 7% 7% 7% 9% ALICE % 33% 34% 42% 36% 37% 27% 30% 23% 29% 27% 30% 25% 14% 24% 29% 38% 38% 43% 21% 38% 26% 18% 25% 46% 27% 19% 15% 27% 37% 18% 25% 27% 20% 26% 10% 12% 30% 36% 30% 13% 19% 18% 20% 15% 22% Threshold % Above ALICE 59% 56% 46% 53% 48% 68% 52% 67% 60% 68% 56% 62% 83% 74% 48% 40% 27% 31% 70% 29% 64% 77% 63% 28% 65% 72% 78% 61% 45% 78% 67% 66% 64% 50% 85% 83% 51% 31% 59% 82% 74% 75% 73% 76% 66% Unemployment 16.0% 12.0% 10.0% 10.0% 14.9% 10.2% 12.5% 20.1% 13.3% 15.5% 12.4% 17.4% 12.4% 12.0% 11.7% 11.5% 9.4% 1.5% 6.4% 3.4% 7.7% 3.9% 8.8% 5.1% 3.5% 7.6% 9.6% 9.5% 8.3% 6.7% 9.2% 7.5% 9.7% 5.1% 2.8% 6.8% 7.7% 9.4% 2.9% 8.6% 3.0% 5.3% 6.1% 4.8% 6.2% Rate Coverage % Insurance Insurance Health Health 91% 81% 89% 81% 81% 89% 83% 80% 83% 91% 72% 82% 89% 85% 77% 79% 76% 65% 93% 74% 94% 89% 81% 80% 96% 89% 90% 85% 80% 91% 86% 90% 92% 74% 95% 95% 83% 78% 85% 92% 92% 94% 98% 87% 87% Housing Burden: Housing Burden: Owner Over Owner Over 14% 33% 36% 33% 40% 31% 26% 44% 31% 38% 32% 22% 33% 19% 30% 28% 28% 30% 38% 32% 34% 25% 27% 50% 30% 30% 26% 31% 37% 27% 30% 28% 42% 28% 27% 25% 33% 26% 27% 37% 28% 29% 33% 20% 29% 30% Renter Over30% Housing Burden: 51% 47% 56% 46% 51% 15% 57% 41% 48% 72% 40% 48% 34% 30% 57% 60% 71% 77% 38% 63% 44% 48% 53% 73% 45% 51% 48% 55% 61% 44% 49% 64% 29% 39% 47% 48% 43% 49% 46% 47% 50% 50% 53% 40% 48%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI Key FactsandALICEStatisticsforFloridaMunicipalities County Indian RiverEstatesCDP, St.Lucie Lakewood ParkCDP, St.LucieCounty Port St.LucieCCD,County Municipality byCounty Port St.Lucie,LucieCounty Daytona Beach,Volusia County River ParkCDP, St.LucieCounty St. LucieVillage, St.Lucie County De LeonSpringsCDP, Volusia County DeBary, Volusia County West St.LucieCCD,County White CityCDP, St.LucieCounty Bushnell, SumterCounty County Bushnell-Center HillCCD,Sumter Center Hill,SumterCounty Coleman, SumterCounty Lake PanasoffkeeCDP, SumterCounty The Villages CDP, SumterCounty County DeBary-Orange CityCCD,Volusia Webster, SumterCounty Wildwood CCD, SumterCounty DeLand CCD,Volusia County Wildwood, Sumter County Branford CCD,SuwanneeCounty Branford, SuwanneeCounty Dowling ParkCCD,SuwanneeCounty Live OakCCD,SuwanneeCounty Live Oak,SuwanneeCounty County McAlpin-Wellborn CCD,Suwannee Perry NorthCCD,Taylor County Perry SouthCCD,Taylor County Perry, Taylor County Steinhatchee CDP, Taylor County DeLand SouthwestCDP, Volusia County DeLand, Volusia County Lake ButlerCCD,UnionCounty Lake Butler, UnionCounty Raiford CCD,UnionCounty Worthington SpringsCCD,UnionCounty Worthington Springs,UnionCounty Central Volusia CCD,Volusia County Deltona CCD,Volusia County Daytona BeachCCD,Volusia County Daytona BeachShores,Volusia County Population 162,241 179,410 62,726 19,547 25,846 72,590 41,980 82,655 64,250 18,351 14,372 28,524 38,066 97,249 40,867 11,511 6,439 5,622 2,418 6,434 3,407 2,973 1,150 6,052 7,141 8,252 6,920 9,851 8,313 7,058 7,491 2,224 3,689 4,294 3,311 4,011 613 575 813 867 962 826 616 Households 56,787 61,310 26,998 36,306 16,866 39,196 23,583 10,093 13,682 33,431 16,343 2,691 4,839 2,353 2,517 7,928 2,982 1,333 1,151 8,843 1,462 2,608 2,536 3,198 6,598 2,501 3,317 5,531 2,074 2,695 1,643 1,583 227 821 392 233 286 297 551 362 812 657 170 Poverty % 12% 12% 13% 13% 13% 22% 28% 15% 10% 15% 28% 23% 35% 15% 23% 33% 12% 16% 20% 26% 20% 26% 35% 18% 16% 19% 24% 15% 40% 22% 33% 13% 18% 25% 16% 14% 36% 11% 9% 5% 7% 9% 9% ALICE % 40% 32% 31% 25% 27% 45% 34% 16% 27% 35% 25% 35% 38% 42% 55% 37% 28% 28% 32% 31% 30% 40% 25% 28% 26% 25% 33% 30% 39% 34% 41% 27% 36% 42% 53% 47% 50% 49% 65% 29% 16% 29% 36% Threshold % Above ALICE 48% 56% 56% 62% 60% 33% 38% 69% 62% 55% 60% 37% 39% 23% 30% 40% 63% 67% 35% 57% 63% 44% 55% 46% 54% 49% 32% 52% 45% 47% 35% 58% 24% 49% 25% 20% 37% 33% 10% 55% 75% 57% 28% Unemployment 12.5% 10.7% 17.1% 10.2% 12.8% 12.2% 10.0% 10.7% 14.2% 10.5% 16.3% 10.3% 13.0% 19.6% 10.5% 21.7% 10.0% 13.8% 11.7% 11.7% 11.0% 11.0% 4.7% 7.3% 7.6% 8.9% 3.8% 5.7% 7.5% 9.5% 8.2% 0.0% 4.3% 8.6% 6.9% 6.2% 6.7% 9.6% 4.1% 8.4% 7.5% 7.0% 9.9% Rate Coverage % Insurance Insurance Health Health 89% 87% 82% 88% 87% 77% 80% 79% 86% 87% 82% 88% 82% 74% 81% 80% 87% 77% 86% 94% 87% 84% 74% 82% 78% 77% 89% 86% 85% 85% 83% 68% 81% 88% 89% 88% 83% 61% 84% 86% 81% 77% 0% Housing Burden: Housing Burden: Owner Over Owner Over 26% 22% 35% 48% 32% 33% 30% 14% 18% 17% 15% 26% 20% 31% 25% 18% 31% 21% 27% 30% 21% 30% 29% 29% 23% 21% 25% 23% 15% 28% 20% 27% 20% 32% 19% 22% 28% 31% 51% 27% 27% 37% 30% 30% Renter Over30% Housing Burden: 58% 38% 60% 44% 53% 63% 57% 33% 42% 49% 42% 65% 44% 33% 30% 54% 59% 42% 78% 61% 45% 59% 15% 27% 20% 49% 50% 33% 30% 23% 32% 57% 58% 33% 38% 45% 10% 37% 68% 62% 51% 59% 58%

Source, American Survey Estimate Community 5-Year 5-Year 5-Year 5-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Deltona, Volusia County Municipality byCounty Edgewater, Volusia County Paxton, Walton County Paxton-Darlington CCD,Walton County Redbay CCD,Walton County Walton BeachesCCD,Walton County Glencoe CDP, Volusia County Holly Hill,Volusia County Lake Helen,Volusia County New Smyrna Beach CCD, Volusia County Caryville CCD,Washington County Chipley CCD,Washington County Chipley, Washington County Vernon, Washington County Vernon CCD,Washington County Wausau, Washington County New SmyrnaBeach,Volusia County North DeLandCDP, Volusia County Oak Hill,Volusia County North PeninsulaCCD,Volusia County Orange City, Volusia County Ormond BeachCCD,Volusia County Ormond Beach,Volusia County Ormond-by-the-Sea CDP, Volusia County Pierson, Volusia County Pierson-Seville CCD,Volusia County Ponce Inlet,Volusia County Port OrangeCCD,Volusia County Port Orange,Volusia County County Samsula-Spruce CreekCDP, Volusia Seville CDP, Volusia County South Daytona,Volusia County South PeninsulaCCD,Volusia County West DeLandCDP, Volusia County Crawfordville CDP, Wakulla County East Wakulla CCD,Wakulla County Panacea CDP, Wakulla County Sopchoppy, Wakulla County St. Marks,Wakulla County West Wakulla CCD,Wakulla County DeFuniak SpringsCCD,Walton County DeFuniak Springs,Walton County Freeport CCD,Walton County Freeport, Walton County Miramar BeachCDP, Walton County Population 88,474 21,050 21,191 57,589 13,171 23,356 24,492 53,403 39,938 67,596 57,858 12,343 26,442 15,908 11,726 11,023 11,136 9,255 3,178 2,843 2,643 3,488 7,970 3,564 1,144 1,517 7,678 1,466 7,091 3,086 6,314 3,997 3,998 4,686 5,543 9,955 2,346 7,120 1,511 577 486 568 937 389 255 Households 30,583 25,013 10,786 22,237 16,223 29,145 24,356 11,964 8,345 3,680 1,168 9,524 1,071 4,764 1,092 1,309 2,928 1,250 4,009 4,871 3,730 2,502 1,433 2,365 5,102 5,414 1,321 1,453 8,608 2,083 5,400 2,109 3,718 3,482 230 333 155 538 672 427 135 366 158 120 842 Poverty % 12% 17% 23% 29% 12% 23% 12% 17% 25% 30% 27% 21% 19% 13% 13% 16% 13% 17% 15% 16% 21% 19% 16% 13% 10% 29% 20% 12% 16% 15% 14% 14% 14% 14% 22% 22% 14% 13% 11% 11% 6% 8% 8% 5% 7% ALICE % 30% 27% 22% 27% 22% 26% 28% 38% 36% 22% 28% 23% 27% 39% 33% 35% 25% 24% 33% 29% 27% 36% 30% 26% 27% 36% 24% 15% 31% 27% 41% 34% 21% 29% 19% 22% 66% 26% 14% 36% 34% 39% 28% 32% 6% Threshold % Above ALICE 58% 66% 61% 50% 49% 63% 60% 39% 52% 72% 55% 52% 43% 34% 46% 46% 62% 63% 59% 55% 60% 47% 55% 63% 57% 43% 57% 77% 53% 60% 84% 30% 46% 67% 55% 66% 64% 29% 60% 72% 50% 44% 39% 58% 55% Unemployment 13.6% 12.5% 15.4% 22.3% 16.3% 10.0% 10.3% 12.5% 23.3% 13.6% 12.7% 11.1% 11.4% 5.8% 4.7% 6.4% 8.5% 9.5% 2.2% 7.3% 4.4% 9.3% 8.2% 6.4% 8.9% 9.3% 6.1% 8.9% 9.0% 5.9% 2.6% 5.7% 8.2% 6.6% 4.0% 0.0% 7.5% 4.7% 7.6% 9.4% 9.8% 8.9% 6.6% 8.3% 8.8% Rate Coverage % Insurance Insurance Health Health 88% 85% 88% 77% 83% 85% 80% 78% 82% 83% 82% 89% 88% 85% 82% 89% 85% 87% 84% 82% 88% 84% 83% 85% 84% 73% 73% 92% 84% 86% 81% 32% 82% 89% 80% 84% 89% 46% 86% 83% 81% 77% 79% 86% 89% Housing Burden: Housing Burden: Owner Over Owner Over 35% 29% 22% 18% 27% 39% 33% 36% 38% 20% 15% 23% 26% 18% 25% 30% 31% 30% 30% 26% 27% 27% 32% 36% 27% 33% 28% 27% 32% 36% 26% 37% 32% 25% 24% 27% 26% 16% 27% 22% 25% 27% 35% 30% 9% 8% Renter Over30% Housing Burden: 52% 58% 49% 55% 62% 20% 53% 40% 52% 24% 38% 45% 47% 64% 45% 51% 47% 34% 51% 30% 65% 59% 60% 52% 45% 38% 54% 56% 52% 40% 16% 67% 48% 63% 67% 42% 41% 33% 24% 26% 40% 45% 48% 38% 6%

Source, American Survey Estimate Community 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VI UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VII ALICE Households,Florida,2007to2015 Source: American CommunitySurvey, 2007-2015 the percentofhouseholdsinpovertyand ALICE. This tablepresentsthetotalnumberofhouseholdsineachcounty2007,2010,2012,and2015,aswell budget ineachcountyFlorida,andtoshowhowmanyhouseholdsarestrugglingafford it. The UnitedWay ALICE Reportusesstandardizedmeasurements toquantifythecostofabasichousehold care, healthandtransportation. individuals andfamilieswhoareworking,butunabletoafford thebasicnecessitiesofhousing,food,child ALICE, anacronymforAssetLimited,IncomeConstrained, 2007 TO2015 ALICE HOUSEHOLDSBYINCOME, Alachua Bay Baker Brevard Bradford Broward Charlotte Calhoun Citrus Clay Collier Columbia DeSoto Duval Dixie Escambia Flagler Gadsden Franklin Hardee Hamilton Gulf Glades Gilchrist Hendry County Households 216,879 120,309 340,527 661,119 115,420 71,993 70,871 58,980 65,307 22,161 37,935 15,656 10,964 95,911 8,644 Total N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Poverty Poverty 2007 22% 10% 12% 16% 14% 20% 19% 23% 11% 11% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 9% 9% 9% 8% 8% % ALICE 18% 17% 21% 27% 14% 25% 22% 27% 32% 21% 24% 24% 32% 28% 33% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A % Households 221,945 658,025 326,339 118,258 110,306 93,820 63,654 69,176 60,229 65,889 25,705 10,395 35,218 16,467 11,006 8,492 9,010 4,765 4,909 4,699 4,532 5,347 4,165 5,976 7,694 Total Poverty Poverty 2010 23% 14% 15% 18% 12% 14% 21% 13% 16% 12% 16% 13% 20% 15% 18% 22% 25% 23% 16% 17% 23% 20% 21% 11% 11% % ALICE 25% 22% 25% 33% 26% 32% 33% 27% 30% 24% 32% 36% 48% 22% 27% 27% 33% 23% 32% 26% 31% 38% 27% 41% 26% % Households 218,094 663,905 123,714 328,225 114,077 93,245 68,653 58,640 66,918 22,636 10,595 36,358 16,847 10,809 71,811 8,596 8,828 4,852 6,014 4,479 4,473 5,368 3,745 5,963 7,687 Total Employed, representsthegrowingnumberof Poverty Poverty 2012 24% 18% 16% 21% 13% 14% 24% 12% 15% 10% 18% 15% 26% 16% 15% 12% 22% 24% 23% 18% 18% 24% 27% 24% 11% % ALICE 23% 20% 23% 28% 27% 30% 29% 25% 28% 26% 31% 30% 36% 27% 27% 27% 33% 28% 27% 32% 33% 55% 32% 43% 38% % Households 225,682 673,870 134,906 343,467 116,814 96,427 69,337 72,671 60,541 71,733 24,238 39,281 16,964 11,238 11,345 8,205 8,770 4,784 6,051 4,338 4,688 5,349 3,920 6,187 7,618 Total Poverty Poverty 2015 20% 16% 15% 23% 12% 13% 20% 14% 12% 10% 17% 21% 22% 15% 10% 19% 24% 26% 15% 20% 19% 23% 23% 11% 11% % ALICE 26% 30% 26% 27% 22% 31% 38% 29% 29% 21% 23% 28% 34% 36% 22% 27% 35% 32% 32% 31% 34% 45% 31% 42% 41% % Community Community American American Estimate Source, Source, 2015 1-Year 5-Year 1-Year 5-Year 1-Year 1-Year 5-Year 1-Year 1-Year 1-Year 1-Year 1-Year 5-Year 5-Year 1-Year 1-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year Survey Survey Hernando Polk Highlands Putnam Hillsborough Santa Rosa Indian River Holmes Sarasota Jackson Seminole Lake Lafayette Jefferson St. Johns Lee St. Lucie Leon Sumter Levy Suwannee Manatee Madison Liberty Volusia Union Taylor Marion Wakulla Martin Walton Miami-Dade Washington Monroe Nassau Okaloosa Okeechobee Orange Osceola Palm Beach Pasco Pinellas County Households 402,203 225,873 458,023 168,324 152,559 247,392 102,475 107,428 128,562 200,456 128,822 833,199 394,584 507,763 183,910 118,699 66,498 41,295 28,237 52,428 57,334 16,916 67,040 35,706 14,341 12,527 59,676 21,458 29,109 25,521 73,559 12,732 93,376 Total N/A N/A N/A N/A N/A N/A N/A N/A N/A Poverty Poverty 2007 12% 17% 17% 19% 17% 12% 19% 14% 13% 13% 12% 16% 10% 15% 10% 11% 11% 11% 11% 11% N/A N/A N/A N/A N/A N/A N/A N/A N/A 9% 8% 8% 8% 8% 6% 9% 9% 9% 8% 9% 9% 9% % ALICE 26% 32% 22% 28% 26% 22% 21% 26% 23% 27% 25% 27% 21% 20% 24% 15% 13% 29% 30% 26% 23% 26% 21% 21% 30% 18% 20% 13% 35% 21% 29% 30% 28% N/A N/A N/A N/A N/A N/A N/A N/A N/A % Households 402,202 221,073 460,605 163,030 142,045 233,693 104,982 108,439 126,418 190,757 131,753 809,689 402,441 516,845 183,457 115,635 70,035 39,675 29,093 55,339 53,151 16,597 74,471 40,659 15,936 16,018 10,773 60,090 22,447 29,822 28,616 70,407 13,646 88,089 6,768 2,307 5,233 6,776 2,008 3,521 7,584 8,735 Total Poverty Poverty 2010 13% 14% 15% 17% 25% 19% 15% 13% 10% 14% 18% 16% 10% 12% 14% 13% 15% 24% 10% 22% 20% 18% 19% 16% 19% 12% 14% 16% 16% 18% 21% 10% 10% 12% 19% 15% 15% 12% 14% 11% 11% 9% % ALICE 29% 33% 29% 32% 20% 37% 27% 26% 27% 33% 33% 33% 30% 31% 35% 17% 36% 38% 21% 19% 26% 27% 46% 23% 43% 36% 37% 29% 31% 25% 33% 20% 25% 36% 31% 22% 20% 34% 34% 40% 29% 32% % Households 404,856 223,507 477,259 172,973 148,858 245,100 109,526 108,915 130,382 197,599 133,910 838,772 423,987 522,201 180,612 115,026 69,222 28,230 58,336 58,950 15,148 78,295 45,122 16,180 15,697 10,577 60,783 22,138 29,241 27,334 75,099 13,413 90,822 39,112 6,747 2,722 5,444 6,877 2,355 3,782 7,776 8,310 Total Poverty Poverty 2012 12% 16% 16% 18% 21% 20% 17% 14% 17% 19% 18% 12% 15% 10% 13% 15% 21% 10% 22% 23% 23% 22% 16% 16% 13% 17% 16% 12% 12% 15% 23% 21% 12% 13% 23% 16% 18% 12% 12% 11% 11% 9% % ALICE 28% 36% 28% 33% 28% 37% 26% 20% 31% 28% 32% 28% 34% 28% 33% 20% 32% 34% 18% 24% 24% 27% 32% 22% 38% 37% 31% 28% 32% 24% 33% 29% 25% 31% 32% 23% 22% 38% 32% 39% 29% 33% % Households 400,209 227,122 503,154 177,807 162,739 126,519 263,694 109,209 134,690 209,657 125,227 857,712 457,736 545,780 192,628 108,811 70,713 28,165 60,861 55,494 16,309 83,247 48,039 15,516 15,649 10,691 65,101 23,490 31,391 29,674 76,721 13,046 98,301 41,116 6,828 2,493 6,614 2,433 3,883 7,605 8,246 5,411 Total Poverty Poverty 2015 13% 12% 15% 21% 28% 26% 15% 23% 16% 21% 10% 12% 13% 16% 22% 10% 20% 25% 19% 22% 19% 17% 12% 14% 16% 14% 15% 22% 21% 12% 23% 14% 18% 12% 14% 11% 11% 11% 11% 8% 9% 9% % ALICE 28% 30% 36% 28% 24% 30% 27% 22% 29% 25% 34% 33% 37% 27% 29% 17% 30% 30% 19% 32% 30% 31% 33% 26% 51% 38% 31% 28% 31% 25% 32% 27% 29% 40% 34% 26% 24% 35% 29% 42% 28% 28% % Community Community American American Estimate Source, Source, 2015 1-Year 1-Year 1-Year 1-Year 1-Year 5-Year 1-Year 1-Year 1-Year 1-Year 5-Year 5-Year 5-Year 1-Year 1-Year 1-Year 1-Year 1-Year 1-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 5-Year 1-Year 1-Year 1-Year 5-Year 1-Year 5-Year 5-Year 1-Year 1-Year 1-Year 1-Year 5-Year 1-Year 1-Year 1-Year 1-Year Survey Survey

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VII UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII describe theconditions theyface. none comprehensivelymeasure thenumberofhouseholdswhoarestrugglingin eachcountyinastateand Enterprise Development). While theplethoraofalternativesdemonstrateslack ofsatisfactionwiththeFPL, Policy Studies),theLiving Wage Calculator(MIT),andthe Assets and OpportunityScorecard(Corporationfor Family BudgetCalculator(Economic PolicyInstitute),theEconomicSecurityIndex (InstitutionforSocialand Social Work, UniversityofWashington), theBasicNeeds Budget(NationalCenterforChildreninPoverty), the Count (AnnieE.CaseyFoundation),theSelf-Sufficiency Standard(CenterforW Development (HUD)forsub-stategeographies.Other sub-stategeographyalternativestotheFPL include Kids Census atthestatelevel,and Area MedianIncome(AMI)fromtheDepartmentofHousingandUrban government producestwoalternativestotheFPL: SupplementalPovertyMeasure(SPM)fromtheU.S. In lightoftheFPL’s weaknesses,othermeasures of financialhardshiphavebeendeveloped. Thefederal country (NationalConferenceofStateLegislatures,2014; Roberts,Povich,&Mather, 2012). the Children’s HealthInsuranceProgram(CHIP)usemultiplesoftheFPL todetermineeligibilityacrossthe (New JerseyEnergy Assistance Programs,2013;U.S.Departmentof Agriculture, 2015).EvenMedicaidand percent oftheFPL andLouisiana’s Women, Infants &ChildrenProgram(WIC)uses185percentoftheFPL programs. Forexample,NewJersey’s LowIncomeHomeEnergy Assistance Program(LIHEAP)uses200 that manygovernmentandnonprofitagenciesusemultiplesoftheFPL effect isanundercountofhouseholdsliving ineconomichardship. The officialpovertylevelissounderstated except for Alaska andHawaii,itisnotadjustedtoreflectcostoflivingdifferences acrosstheU.S. Thenet Primarily, themeasureisnotbasedoncurrentcostofbasiccontemporaryhouseholdnecessities,and O’Brien &Pedulla,2010;Uchitelle,2001). income thresholdfordeterminingwhoispoor, itsshortcomingsarewelldocumented(Citro&Michael,1995; proportion ofpeoplelivinginpovertytheU.S.DespiteFPL in 1965,theFederalPovertyLevel(FPL)hasprovidedastandardbywhichtodeterminenumberand for identifyingproblems,planningpolicysolutions,andallocatingresources.SincetheWar onPovertybegan An accurateandcomprehensivemeasureofthescope,causes,consequencespovertyformsbasis POVERTY LEVEL BACKGROUND: SHORTCOMINGSOFTHEFEDERAL methodology anddatasourcesusedforeach. Poverty Level;theguidingparametersfordevelopmentofnewmeasures;fourresultantand This methodologyoverviewdescribestherationalefordeveloping ALICE, analternativetotheFederal budget ineachcountyFlorida,andtoshowhowmanyhouseholdsarestrugglingafford it. The UnitedWay ALICE Reportusesstandardizedmeasurements toquantifythecostofabasichousehold care, healthandtransportation. individuals andfamilieswhoareworking,butunabletoafford thebasicnecessitiesofhousing,food,child ALICE, anacronymforAssetLimited,IncomeConstrained, LAST UPDATED JANUARY 2017 RATIONALE METHODOLOGY OVERVIEW& Employed, representsthegrowingnumberof ’s benefit ofprovidinganationallyrecognized todetermineeligibilityforassistance omen’s Welfare, Schoolof the followingparameters: easily updatedonaregularbasisandreplicableacrossallstates,the ALICE toolsweredevelopedbasedon To meettheUnitedWay ALICEProjectgoalsthatnewmeasuresbetransparentandprovidedatais PARAMETERS inaccurately associatedonlywithalackofemployment. consequences offinancialhardship.Inaddition,thetermhasgainednegativeconnotationsandisoften For one,theterm“poverty”isvague,lackinganymeasureofdepth,duration,orhouseholdandsocietal Beyond measurementconcerns,theFPL suffers fromlanguageissuescommontoassessmentsofpoverty. 8. 7. 6. 5. 4. 3. 2. 1. as fewjobopportunities), aswellthe consequencesofthosestruggles forthewidercommunity the ALICE tools providethemeansto understand theconditions thatstrugglinghouseholds face(such Identify importantcontextual conditions: common understanding. across geographicjurisdictions andovertime. The standardmeasuresenablecomparisonand Make newmeasuresreplicable acrossallstates: across everycountyandupdatedregularly. standardized usingregularlycollected,publiclyavailable datatoensurethattheycanbeapplied Ensure thatmeasurescanbeeasilyupdatedona regularbasis: ALICE measuresare ensures thatcalculationsaretransparentandeasilyverifiable. readily availabledatafromthe American CommunitySurvey’s tabulateddataasthebasisforestimates U. S.Departmentof Agriculture (USDA),andtheBureauofLabor Statistics(BLS).Inparticular, using including theU.S.CensusBureau,Departmentof HousingandUrbanDevelopment(HUD),the transparent andeasilyunderstandable,alldatacomefromofficialpubliclyavailablesources, Make newmeasurestransparentandeasytounderstand: indicators, maskssignificantinter-countyvariation. Use Microdata Area (PUMA)level.State-leveldata,whileavailableforabroader setofeconomic we alsomeasure ALICE indicatorsattheCensusBureau’s municipal,countysubdivision, andPublic are thesmallestgeographyforwhichwecanobtainreliabledataacrosscountry. Wherepossible, Provide dataatthelocallevel: and geographicdistribution. unable toafford it.Wherepossible,itisalsoimportanttounderstandtheirdemographiccharacteristics capturing thebasiccostofliving,itisimportanttoknownumberandproportionhouseholds Measure thenumberofhouseholdsunabletoaffordbasiccostliving: and taxes. five essentials:housing,childcare,food,transportation,andhealthplusmiscellaneousexpenses and financiallyunsustainable. The ALICEmeasuresprovideaconservativeestimateforthecostsof Threshold stillcannotafford basicnecessities,ortheycreateanincomebenchmarkthatistoohigh the moderneconomy. Othermeasuresareeitherunrealisticallylow, whereahouseholdearningthe Define thebasiccostofliving: in institutionalgroupquarters,suchascollegedorms,nursinghomes,homelessshelters,orprisons. roommates, etc.),the ALICE toolsmeasurehouseholds. ALICE households donotincludethoseliving Make ahouseholdtheunitofanalysis: Countiesserveasthebasegeographicunitofanalysisbecausethey The goalistodefinethebasicelementsneededparticipatein Becausepeopleliveinavarietyofeconomicunits(families, Becauseeconomichardship doesnotoccurinavacuum, The ALICE measuresquantifyfinancial hardship To ensure thatmeasuresare Inadditionto

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII of fivehousehold essentials–housing, childcare,food,transportation, andhealthcare,plus taxesanda amount needed tosurviveinaparticular geographicarea,theHousehold SurvivalBudgetincludes thecost The Household Budgetsareameansto understandthecostofliving onalocalscale. To evaluatethe minimal STABILITY BUDGETS METHODOLOGY: HOUSEHOLD SURVIVAL AND affordable units. These includerental andowner-occupiedunits,bothgovernmentsubsidizedmarketrate. of housingunitsinacountythat ALICE andpovertyhouseholdscanafford comparedwiththedemandfor Each ALICE Reportincludesthe ALICE HousingStockassessment,ananalysisthatmeasuresthenumber ASSESSMENT ADDITIONAL ANALYSIS: ALICEHOUSING STOCK financial hardshipatalocallevelandtoenhanceexistinglocal,state,nationalpovertymeasures. The UnitedWay ALICEProjectdevelopedthefour ALICE measures,describedbelow, toidentifyandassess THE ALICEMEASURES 9. worst economicconditionsfor ALICE and100indicatesthebestconditions. Community Resources. The Indexscoreforeachcountyrangesfrom1to100, where1indicatesthe measures threeindicatorsoflocaleconomicconditions:Housing Affordability, JobOpportunities,and the economicconditionsthat ALICE householdsfaceineachcountyagivenstate. The Dashboard Economic Viability Dashboard: income andassistance. the UnfilledGap–howfarthesehouseholdsremainfromreaching public andnonprofitassistanceisprovidedtohelpthesehouseholdsmeettheirbasicneeds;4) income householdsneedtoreachthe ALICE Threshold; 2)howmuch theyactuallyearn;3)howmuch ALICE Income Assessment: as describedbelow. Community Surveyincomecategoryandadjustedforhouseholdsizecompositioneachcounty, for ahousehold.DerivedfromtheHouseholdSurvivalBudget, Threshold isroundedto American ALICE Threshold: a 10percentsavingscategory. comparison, aHouseholdStabilityBudgetprovidesanestimateofmoresustainablebudget,including types. The budgetcanbeupdatedascostsandtheitemsconsiderednecessarychangeovertime.For and a10percentcontingency. Itiscalculatedseparatelyforeachcounty, andfordifferent household of fivehouseholdessentials–housing,childcare,food,transportation,andhealthplustaxes Household SurvivalBudget: Constrained, descriptive acronymisoffered. The term“ALICE”describesahouseholdthatis Use neutrallanguage:Becausetheterm“poverty”carriesnegativeconnotations,amore on emergencyroomsoverusedforprimarycare). (such asmoretrafficandlongercommutesworkersfindlowercosthomesfurtheraway Employed. The ALICE Threshold representstheminimumincomelevelnecessaryforsurvival The ALICE Income Assessment isatoolthatmeasures:1)howmuch The HouseholdSurvivalBudgetisaminimalestimateofthetotalcost The EconomicViability Dashboard isanIndexdesignedtomeasure ALICE Threshold despiteboth Asset Limited,Income , orstress county. The datadefinitionsandsourcesareasfollows: – housing,childcare,food,transportation,andhealthplustaxesa10percentcontingencyineach The HouseholdSurvivalBudgetiscomprisedofconservativeestimatesthecostfivehouseholdessentials Household SurvivalBudget sustainable budgetforthesamehouseholdtypes. infant, andonepreschooler).Forcomparison,theHouseholdStabilityBudgetprovidesanestimateofamore Budget iscalculatedfordifferent householdtypes,includingasingleadultandfamilyoffour(twoadults,one 10 percentcontingency–pricedatthemostbasiclevelforeachcountyinastate. The HouseholdSurvival 4. 3. 2. 1. Housing: The housingbudgetisbasedonHUD’s FairMarketRent(usually40 American Community Survey: CES Regiondefinitions: Bureau ofLaborStatistics (CES): http://www.bls.gov/cex/csxmsa.htm#y1112 Data Sources: vehicle maintenanceexpenses, butnotleasepayments,carloanor major repairs. bus, trolley, subway, elevatedtrain,railroad, andferryboat.Carexpensesincludegas,oil, other transportation isusedinstead (Porter&Deakin,1995;Pearce,2015).Publictransportation includes counties wherelessthan8percentofthepopulation uses publictransportation,thecostforauto or moreofthepopulationusespublictransportation, the costforpublictransportationisused;inthose work bytheInstituteofUrbanandRegionalDevelopment, wesuggestthatincountieswhere8percent by CEShouseholdsizeexceptforsingle-adulthouseholds, whicharedividedbytwo).Buildingon counties arematchedwiththemostlocallevelpossible. Costsareadjustedforhouseholdsize(divided Expenditure Survey(CES).SincetheCESisreported bymetropolitanstatisticalareasandregions, transportation bycarandpublicfrom theBureauofLaborStatistics’ Consumer Transportation: The transportation budgetiscalculatedusingaverageannualexpendituresfor https://www.ers.usda.gov/webdocs/publications/eib48/10609_page19.pdf State foodbudgetnumbersareadjustedforregionalpricevariation. https://www.cnpp.usda.gov/USDAFoodPlansCostofFood Data Sources: considered byUSDA tobetheannualaverage. female asspecifiedbytheUSDA)andchildren6-89-11 yearsold.DataforJuneisusedasthat is (male andfemale)children2-34-5yearsold;familyoffourwithtwoadults one child2-3yearsold;adultfemaleand9-11 yearsold;familyoffourwithtwoadults male 19-50yearsold;familyoftwoadults(maleandfemale)oneadultfemale The householdfoodbudgetisadjustedforsixselectcompositionsincluding:singleadult Food: Data Source:Statetotalshttp://www.usa.childcareaware.org/costofcare in neighboringcounties. The sourceforcountybreakdownsvariesbystate. that childcarefacilitiesarenotavailableinthosecountiesandresidentsmaybeforcedtouse Child Care Aware. Whendataaremissing,stateaveragesused,thoughmissingmaymean compiled bylocalchildcareresourceandreferralagenciesreportedtothenationalorganization, preschooler inregisteredfamilychildcarehomes(theleastexpensiveoption).Dataare Child Care: The childcarebudgetisbasedontheaverageannualcostofforoneinfant andone Data Source:http://www.huduser.org/portal/datasets/fmr.html telephone service.Iftheownerpaysforallutilities,thengrossrentequalspaidtoowner. incurred bythetenant.Utilitiesincludeelectricity, gas,water/sewer, andtrashremovalservices,butnot for afamilyofthreeormore. The rentincludesthesumofpaidtoownerplusanyutilitycosts person, aone-bedroomapartmentforheadofhouseholdwithchild,andtwo-bedroom rents, butinsomelocationsHUDreportsthe50thpercentile)foranefficiencyapartmentforasingle The foodbudgetisbasedonthe Thrifty Level(lowestoffourlevels)theUSDA FoodPlans. http://www.bls.gov/cex/csxgloss.htm http://www.census.gov/acs/www/

th percentile of gross percentileofgross

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII The databuildsonthesourcesfromHouseholdSurvivalBudget;differences areoutlinedbelow. essentials plusa10percentsavingsitemandcontingencyitem,aswelltaxesforeachcounty. the HouseholdSurvivalBudget. The HouseholdStabilityBudgetiscomprisedoftheactualcostfivehousehold The HouseholdStabilityBudgetrepresentsamorefinanciallystable,lessausterestandardoflivingcomparedto Household StabilityBudget 1. 7. 6. 3. 2. 5. instead ofrentforatwo-bedroomapartmentatthe40 based onthe American Community Survey’s medianmonthlyownercostsforthosewithamortgage, with children,thebasisisatwo-bedroomapartmentat themedianrent;andhousingforafamilyis apartment, ratherthananefficiencyattheFairMarket Rentof40thpercentile;foraheadhousehold Housing: to covercostoverruns. Miscellaneous: The Miscellaneouscategoryincludes10percentofthebudgettotal(including taxes) http://www.state.nj.us/treasury/taxation/pdf/other_forms/tgi-ee/2010/10_1040i.pdf State IncomeTax, FormsandInstructionsforrelevantyears,suchas: as: http://www.irs.gov/pub/irs-prior/i1040--2012.pdf Internal RevenueService1040:IndividualIncomeTax, FormsandInstructionsforrelevantyears,such Data Sources: are incorporatedasapplicable. as definedineachstate Treasury’s 1040:IndividualIncome Tax, Forms andInstructions.Localtaxes also includestatetaxdeductionsandexemptionssuchasthePersonal Tax credit Creditandrenter’s defined intheInternalRevenueService1040:IndividualIncome Tax, FormsandInstructions. They exemptions, aswellthefederalChild Tax Creditand the ChildandDependentCareCreditas Social SecurityandMedicaretaxes. These ratesincludestandardfederalandstatedeductions Taxes: program-information/medicaid-and-chip-eligibility-levels/medicaid-chip-eligibility-levels.html Shared responsibilitypayment: CES Regiondefinitions: Bureau ofLaborStatistics(CES):http://www.bls.gov/cex/csxmsa.htm#y1112 Data Sources: health carespending. The penaltyfor2015was$325anadultand$975afamily. “shared responsibilitypayment”–thepenaltyfornothavingcoverage--tocurrentout-of-pocket cases cannotafford eventheBronzeMarketplacepremiumsanddeductibles,weaddcostof changes fromthe Affordable Care Act (ACA).Because ALICE does notqualifyforMedicaidbutinmany the costofhealthinsurance.Startingwith2016 ALICE Reports,thehealthcarecostwillincorporate except forsingle-adulthouseholds,whicharedividedbytwo). The healthcarebudgetdoesnotinclude the mostlocallevelpossible.Costsareadjustedforhouseholdsize(dividedbyCES in theCES.SinceCESisreportedbymetropolitanareasandregions,countieswerematchedwith services, prescriptiondrugs,andmedicalsuppliesusingtheaverageannualhealthexpenditurereported Health Care:Thehealthcarebudgetincludesthenominalout-of-pocketspending,medical as reportedby theCES. (second offour levels),adjustedforregional variation,plustheaverage costoffoodawayfrom home Food: referral agenciesandreported tothenationalorganization,ChildCare Aware. child careusedintheHousehold SurvivalBudget.Dataiscompiledbylocalchild careresourceand center. These costsaretypicallymorethan30percenthigherthe costofregisteredhome-based Child Care:Thechildcarebudgetisbasedonthecostofafullylicensed andaccreditedchildcare the taxcategorybelowforhouseholdswithamortgage. The foodbudgetisbasedontheUSDA’s ModerateLevelFoodPlanforcostoffoodathome The taxbudgetincludesbothfederalandstateincometaxeswhereapplicable,aswell The housingbudgetforasingleadultisbasedonHUD’s medianrentforaone-bedroom http://www.bls.gov/cex/csxgloss.htm

https://www.medicaid.gov/medicaid-chip-program-information/

th percentile.Realestatetaxesareincludedin

demographics. the American Community Surveyincomecategoriesallowinganalysisof American CommunitySurvey To doso,wecalculate ALICE Thresholds foreachcountybasedontheHouseholdSurvivalBudget tomatch households notabletoafford itand,wherepossible,theirdemographicfeatures andgeographicdistribution. In additiontounderstandingthebasiccostofliving,it isimportanttoknowthenumberandproportionof METHODOLOGY: THEALICETHRESHOLD 1. 8. 7. 6. 5. 4. • county inastate. for householdsheadedbysomeone65yearsandolder. They arecalculatedseparatelyforeach separate ALICE Thresholds: oneforhouseholdsheadedbysomeoneunder65years old,andanother Two Thresholds: are muchlargerasthesizeofcreditsandexemptionsdoesnotincreasewithincome. Taxes: Taxes arecalculatedinthesamemannerasHouseholdSurvivalBudget,butamounts total (notincludingtaxes). to covercostoverruns.Inaddition,thereisasavingscategory. They areeach10percentofthebudget Miscellaneous andSavings: http://www.consumerreports.org/cro/news/2014/01/best-phone-plans-for-your-family-save-money/index.htm Data Source:ConsumerReports,CellPhonePlanComparison,2014 customer follow-up. The StabilityBudgetincludesthecostofasmartphoneforeachadultinfamily. to receiveworkschedules,changesinstarttimeorlocation,accesssupportservices,and Technology: http://meps.ahrq.gov/mepsweb/data_stats/summ_tables/insr/state/series_7/2014/tviid2.htm contribution is50percentormore coverage atestablishmentsthatofferhealthinsurancewherepercentoflow-wageemployee Table VII.D.2. Average totalemployeecontribution(indollars)perenrolledforfamily http://meps.ahrq.gov/mepsweb/data_stats/summ_tables/insr/state/series_7/2014/tviic2.htm coverage atestablishmentsthatofferhealthinsurance Table VII.C.2. Average totalemployeecontribution(indollars)perenrolledforsingle http://meps.ahrq.gov/mepsweb/data_stats/summ_tables/insr/state/series_2/2014/tiic2.htm Table II.C.2 Average totalemployeecontribution relevant years(note:2007datanotavailable,2008wasusedinstead).Forexample: U.S. DepartmentofHealthandHumanServicesintheMedicalExpenditurePanelSurvey(MEPS)for Data Source: Panel Survey(MEPS). Also includedisout-of-pockethealthcarespendingasreportedintheCES. firm asreportedbytheU.S.DepartmentofHealthandHumanServicesinMedicalExpenditure Health Care: cars, andsingle-adultcostsareforleasing,gasmaintenanceonecarasreportedbytheCES. transportation, familyexpensesincludecostsforleasingonecarandgasmaintenancetwo transportation forone,andhalfthecostofgasmaintenanceonecar. Wherethereisnopublic transportation foroneadultandgasmaintenancecar;costsasingleincludepublic Transportation: Wherethereispublictransportation,familytransportationexpensesinclude (HHSB Single Adult +HHSBFamilyof 4)/5* Ave HHsizeunder65 group. The average budgetisthenadjusted totheaveragehousehold sizeofthelocation. Household SurvivalBudget (Family ofFour),reflectingthewiderangetypeshouseholds inthisage on theaverageofleastexpensive HouseholdSurvivalBudget(Single Adult) andthemostexpensive Threshold forunder65: The Threshold forhouseholdsheadedby someone under65yearsoldisbased Data arefromthe American CommunitySurvey: Mostjobsnowrequireaccesstotheinternetandasmartphone. These arenecessary The healthcarecostsarebasedonemployer-sponsoredinsuranceatalow-wage Becausetherearesignificantdifferences betweenhouseholdsbyage,there aretwo As inthe HouseholdSurvivalBudget,thereisamiscellaneouscategory

http://www.census.gov/acs/www/

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UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII only offundsspent,notanevaluationtheefficacyprogramsormeetinghouseholdneeds. in broaderways,suchastoattendcollege,orthatassistcommunities,likecommunitypolicing. The analysisis Survival Budget,suchas TANF andMedicaid.Itdoesnotincludeprogramsthatassistlow-incomehouseholds only programsdirectedspecificallyatlow-incomehouseholdsthatdirectlyhelpthemmeetthebasicHousehold There aremanyresourcesavailabletolow-incomefamilies.Publicassistanceusedinthisanalysisincludes Household incomeincludeswages,dividends,andSocialSecurity. cash governmentassistance,andin-kindpublicassistancethetotalneededtoreach ALICE Threshold. households. The toolmeasuresthe“UnfilledGap”betweentotalamountthathouseholdsreceiveinincome, The ALICE Income Assessment looksattheimpactofpublicandnonprofitresourcesonneeds ALICE METHODOLOGY: ALICEINCOME ASSESSMENT Note: To correctfromrounding, Above ALICE Thresholdisadjustedsototalofthethreeincomecategoriesequals100percent. 1. 3. 2. 4. • • • • Federal Spending: numbers forrace/ethnicity, theincomecategoryoflessthan$15,000peryearisusedasaproxy. Community Surveyformostdemographicgroups.Becausethedoesnotprovidepoverty of householdsinpovertyfromthe ALICE Threshold. Povertynumbersareprovidedbythe American Number of ALICE households: The numberof ALICE householdsisderivedbysubtractingthenumber calculated atthecountylevel. 65 andolder. To ensurethatresultsreflectlocalconditionsascloselypossible,averagesare calculated as:thenumberofhouseholdsheadedbysomeone65andolderdividedpopulation population under65. The averagehouseholdsizeforhouseholdsheadedbysomeone65andolderis 65 iscalculatedas:thenumberofhouseholdsheadedbysomeoneunderdividedtotal Average HouseholdSize: The averagehouseholdsizeforhouseholdsheadedbysomeoneunder $50,000, $60,000,or$75,000. estimates forhouseholdincomeinthefollowingcategories:$30,000,$35,000,$40,000,$45,000, Household Income: • Development BlockGrants(CDBG). program (14.857)), Low-IncomeHomeEnergy Assistance Program(LIHEAP), and Community Work Vouchers, the Section8RentalVoucher program (14.855),ortheformer Section8Certificate Housing Nutrition ProgramforWomen, Infants, andChildren(WIC). Breakfast Program,Childand Adult CareFoodProgram(CACFP),andSpecialSupplemental Food –SupplementalNutrition Assistance Program(SNAP),SchoolLunchProgram, of thebasicHouseholdSurvivalBudget,soprogramssuch asPellgrantsarenotincluded. Education. Though post-secondaryeducationisvitaltofutureeconomicsuccess,itnotacomponent and Youth Education,RuralandLow-IncomeSchools Program,andHomelessChildren Youth to enabletheirparentsworkareincluded. They areHeadStart,NeglectedandDelinquentChildren Child CareandEducation–Onlyprogramsthathelpchildrenmeettheirbasicneeds orarenecessary (SSI), andSocialServicesBlockGrant(SSBG). Social Services HHSB Single Adult * Ave HHsize65over children. Therefore, the Threshold isbasedontheHouseholdSurvivalBudgetforaSingle Adult. Threshold for65andover:Householdsheadedbysomeoneyearsolderarelesslikelytoinclude –Section8HousingChoice Vouchers (including FairShareVouchers andWelfare-to- – Temporary Assistance forNeedyFamilies(TANF), SupplementalSecurityIncome This figureincludesawidearrayofprograms: The averagebudgetsareroundedtothetabulated American CommunitySurvey

Months ForHouseholds, American CommunitySurvey, 2012and2015. Supplemental SocialInsurance, B19066- Aggregate SupplementalSecurityIncome(SSI)inthe Past12 and Statisticswebsite.http://www.fns.usda.gov/pd/supplemental-nutrition-assistance-program-snap Supplemental Nutrition Assistance Program(SNAP)datafromU.S.Departmentof Agriculture (USDA),Data UploadedImages/SER%20Archive/State%20Expenditure%20Report%20(Fiscal%202014-2016)%20-%20S.pdf https://higherlogicdownload.s3.amazonaws.com/NASBO/9d2d2db1-c943-4f1b-b750-0fca152d64c2/ Expenditure Report:ExaminingFiscal2014-2016State Spending,”2016. State spendingdatawasgatheredfrom:National Association ofStateBudgetOfficers(NASBO),“State Income 990EZc3Reportand990c3Report,UrbanInstitute, 2012 Non-Profit RevenueforHumanServices,registered charity –NCCSDataW https://www.gpo.gov/fdsys/browse/collectionGPO.action?collectionCode=BUDGET Perspectives BudgetoftheU.S.Government,”GovernmentPrintingOffice,W Federal spendingdatawasgatheredfromOfficeofManagementandBudget,“Fiscal Earned incomeTax Credit–Federalspendingretrievedfrom https://www.usaspending.gov/DownloadCenter/Pages/DataDownload.aspx Department ofTreasury, “USAspending.govData Download,” BureauoftheFiscalService,accessed9/1/15. 2012, UrbanInstitute. Community HealthBenefits–NCCSData Web ReportBuilder, StatisticsofIncome 990c3Reportfor2010and Data Sources: 4. 2. 3. Revenue Service. and 990c3minusprogramservicerevenue,dues,governmentgrantsasreportedtotheInternal Services organizations.HumannonprofitprogramsarethosereportedonForm990EZc3 Nonprofit Assistance: Officers (NASBO),“StateExpenditureReport:ExaminingFiscal2012-2014StateSpending,”2014. workforce development.Spendingon ALICE wasestimatedfromtheNational Association ofStateBudget not pass-throughsfromthefederalgovernment,inareasofhealth,socialservices,transportation,and State andLocalGovernmentSpending: This figureincludesfundsfromstateandlocalgovernment, • • • Health Care: • as reportedonthe990c3Report. care andmeans-testedexpenses,includingUnreimbursedMedicaidminusdirectoffsetting revenue Community HealthBenefits low-income pregnantwomenandauthorizedimmigrants. and expandchildhealthassistancetouninsured,low-incomechildrenand,atastate’s discretion,to Children’s HealthInsuranceProgram(CHIP) low-income residents. Also knownastheMedical Assistance Program. Medicaid EITC –EarnedIncome Tax Credit –Providesmoneytostates,whichtheymustmatch,offer healthinsurancefor This figureincludes: This figureincludesspendingbynonprofitorganizationsidentifiedasHuman –Spendingbyhospitalsonlow-incomepatientsthatincludescharity –Providesfundstostatesenablethemmaintain https://www.eitc.irs.gov/EITC-Central/eitcstats

eb ReportBuilder, Statisticsof ashington, DC.2016. Year 2016 Analytical

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII comparison acrossdifferent kindsofmeasures. Opportunities, andCommunityResources.EachofthesesetsconditionsisreflectedinanIndexthatallows that underlietheeconomichardshipfacedby ALICE householdsatthelocallevel:Housing Affordability, Job conditions thatmostaffect ALICE households. The EconomicViability Dashboardpresentstheconditions While therearemanymeasuresofgeneraleconomicconditions,isagapintheunderstanding METHODOLOGY: ECONOMICVIABILITYDASHBOARD 4. 2. 3. 1. • • • Index: Affordability Housing counties andupdatedonaregularbasis: The variablesnotedbelowforeachindexarethebestproxiesindicatorsthatavailableinall Data DefinitionsandSources: are reportedforeachcountyinastate2007,2010,2012,andthemostcurrentyearavailable. the sameinallcommunitiesacrosscountry. Indexscoresrangefrom1to100,Economicconditions Local Conditions: The Indexvariablesreflectthelocality, ratherthanresourcesorconditionsthatare enabling theidentificationofgaps. This formatensuresthatpoorconditionsarenotconcealedbybetterresultsinanothercategory, thus Dashboard: The conditionsaredisplayedasadashboardreflectingtheeconomicrealityofanarea. comparison tootherstates. in othercountiesthestate. These indicesareusedonlyfor comparisonwithinthestate,notfor of 100doesnotnecessarilymeanthatconditionsareverygood;itmeanstheybetterthan Each county’s scoreisrelativetoothercountiesinthestateandcomparedprioryears. A score scores reflectingbetterconditions.Datafrom2010isusedasthebaselineforcomparisonovertime. resulting scoresmoreaccessible,theyaretranslatedfromascaleof-3to31100,withhigher inverse relationship,i.e.,theunemploymentrate,scoresaremultipliedby-1.Inordertomake and zistheresultingz-score. All scoresmustmoveinapositive direction,soforvariableswithan value, μ is the unweighted average,σ the standard deviationfor that indicator where x is the indicator’s z=(x–μ)/σ general formulafornormalizingindicatorscoresis: measure howfaranyvaluefallsfromthemeanofset,measuredinstandarddeviations. The scores bymeasuringfromtheaverage.Rawindicatorareconvertedto“z-scores”,which Index: EachIndexintheDashboardcreatesacommonscaleacrossrates,percentages,andother Real Estate Taxes –Medianrealestatetaxes. Source: American CommunitySurvey, Table PD04 Housing Burden–Householdsspendingmorethan30 percentofincomeonhousing. Source: American CommunitySurveyand ALICE Thresholdcalculations assessment) comparedtothenumberofrenterandowner householdsbelowthe ALICE Threshold. afford whilespendingnomorethanone-thirdoftheirincomeonhousing(ALICEHousingStock Affordable HousingGap– The number ofavailableunits ALICE andpovertyhouseholdscan Source: American CommunitySurvey

the costofconstruction. include limitedlandavailabilityfornewhousing,zoning regulationsonthetypeofhousingthatcanbebuilt,and At thesametime,therearemanyconstraintson housing marketthatpreventitfromadjustingquickly. They The demographicandeconomicchangesdiscussed above arecausingsignificantshiftsinhousingdemand. families canafford, wedevelopedthe ALICE HousingStockassessment. rental andowner-occupiedunitsthatincludesbothgovernment-subsidized andmarket-ratehousingthat ALICE in agivencountythattheycanafford. Becausetherehasbeennoaccurateassessmentofthe number of between thenumberofhouseholdswithincomebelow the ALICE Threshold andthenumberofhousingunits An analysisofthenumberunitsthatareaffordable for ALICE families revealsthatthereisindeedamismatch and alimitedsupplypushesuppricesforallunits. the typesofhousingunitsresidentswantatcertainpricelevelsdonotmatchthatexist, become outofsyncwhenitisslowtoadjustdemographicandeconomicchanges. A mismatchoccurswhen housing costisdeterminedbywhatsomeonewillingtopay. However, thehousingstockinanareacan One ofthemostdifficultconditionsthat ALICEhouseholds faceisthehighcostofhousing.Ultimately, METHODOLOGY: ALICEHOUSING STOCKASSESSMENT Job OpportunitiesIndex: Community ResourcesIndex: • • • • • • New HireWages (4 Source: American CommunitySurvey, Table S2301 Unemployment Rate–EmploymentStatus Source: American CommunitySurvey, Table B19082 Income Distribution and Voting Survey. http://www.eac.gov/research/uocava_survey.aspx#2006eavsdata Election Administration andVoting SurveyandDataSets, Appendix C:2006Election Administration http://www.eac.gov/research/election_administration_and_voting_survey.aspx Election Administration andVoting SurveyandDataSets,SectionF, 2010, 2012and2015 Sources: Social Capital–Percentofpopulation18andolderwhovotedinthemostrecentelection Source: American CommunitySurvey, Table S2701for2010and2013; andB27001for2008 American CommunitySurvey, wheredatafrom2008todatehasbeencollected. through theSAHIEEstimatesusingCurrentPopulationSurvey(CPS)whichdoesnotmatch consistency withdatasets,for2007weused2008data.Priorto2008,wasonlyavailable Health Resources–Percentofpopulationunder65yearsoldwithhealthinsurance.For Source: American CommunitySurvey, Table S2301 Education Resources–3-and4-year-oldsenrolledinpreschool Source: LEDExtractionTool: http://ledextract.ces.census.gov/ th – ShareofIncomeintheLowest Two Quintiles quarter)–QuarterlyWorkforce (QWI),U.S.Census Indicators

UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII UNITED WAY ALICE REPORT – 2017 UPDATE FOR FLORIDA – Exhibit VIII report forMillenialHousing Commission. Goodman, J.(2001).Housing Affordability inthe UnitedStates:Trends, InterpretationsandOutlook. Consulting Academy Press. Citro, C.F., &Michael,R. T.Poverty: ANew Approach. (1995).Measuring America. InD.DiPasquale&L.C.Keyes(Eds.),BuildingFoundations Apgar, W. J.(1990). The Nation’s Housing: A ReviewofPast Trends andFutureProspectsforHousingin REFERENCES [email protected] For questions,contactStephanieHoopes,nationaldirector, UnitedWay ALICEProject . ADDITIONAL INFORMATION Census breaks. the distributionofincomebelowtheirthresholds,while ALICE HousingStockassessmentdoessoalongthe Department ofHousingandUrbanDevelopment,2015). Also, theseotherapproachesdonottakeintoaccount or aflatrate(suchas$500)acrossallareas(Apgar, 1990;Goodman,2001;Quigley&Raphael,U.S. county variationbutdoesnotnecessarilyhavearelationtotheactualcostinarea)orbottomquintile threshold, whereasothermismatchapproachesuseeitherthe Area MedianIncome(whichtakesintoaccount The ALICE HousingStockassessmentreliesontheactualcostofhousingandacounty-level,cost-based 3. 2. 1. households thatarehousingburdenedrevealsexistingunitsnotperfectlyallocatedbyincome. all ALICE andpovertyhouseholds arecurrentlylivinginunitsthattheycanafford. The numberof households affordably. Suchacomparisonisboundtounderestimatetheneed,asitassumesthat households providessomeinsightintotheadditionalnumberofunitsneededtohouseall ALICE Comparison: Comparisonbetweenthenumberofaffordable unitsandthenumberof ALICE • • units wherethehousingcostisbelowone-thirdof ALICE Threshold. Number of Affordable Units: The numberofaffordable unitsiscalculatedbytotalingthenumberof • • Housing Affordability: Definedasspendingnomorethanone-thirdofincomeonhousing. $300,000 to$499,999,$500,000$999,999,and$1,000,000over. $50,000, $50,000to$99,999,$100,000$149,999,$150,000$199,999,$200,000$299,999, in thetabulated American CommunitySurveyestimatesinthefollowingcategories:Lessthan Owner-occupied: $750 to$999,$1,000$1,499,and$1,500ormore. estimates inthefollowingcategories:Lessthan$200,$200to$299,$300$499,$500-$749, Renter-occupied: Ownership Affordability:Basedonthecostofmortgagepaymentsplusrealestatetaxes. Rental Affordability Basedontherealestatetaxesandmortgageofhousingvalueasreported Basedonthegrossrentasreportedintabulated American CommunitySurvey : Basedonthecostofrent. (pp.25–59).UniversityofPennsylvania. Washington, DC:National

U.S. DepartmentofHousingandUrbanDevelopment.(2015).CHAS:Background;Dataset. http://www.fns.usda.gov/wic/wic-eligibility-requirements U.S. Departmentof Agriculture. (2015).WICEligibilityRequirements.RetrievedJanuary20,2016, from html?pagewanted=all&src=pm http://www.nytimes.com/2001/05/26/arts/how-to-define-poverty-let-us-count-the-ways. Uchitelle, L.(2001,May26).HowtoDefinePoverty?LetUsCounttheW Roberts, B.,Povich,D.,&Mather, M.(2012). Low-IncomeWorkingFamilies:TheGrowingEconomicGap European JournalofHousingPolicy Quigley, J.M.,&Raphael,S.(2001). The economicsofhomelessness: The evidencefromNorth America. U.S. Metropolitan Areas. Berkeley:InstituteofUrbanandRegionalDevelopment,UniversityCalifornia. Porter, C.,&Deakin,E.(1995).Socioeconomic andJourney-to-Work Data: A Compendiumforthe35Largest http://www.selfsufficiencystandard.org/methodology-standard Pearce, D.(2015).MethodologyoftheStandard.CenterforWomen’s Welfare, UniversityofWashington, 2015. 30–35. O’Brien, R.L.,&Pedulla,D.S.(2010).BeyondthePovertyLine.StanfordSocialInnovationReview 2014, fromhttp://www.njcommunityresources.info/njenergy.htm New JerseyEnergy Assistance Programs.(2013).NewJerseyCommunityResources.RetrievedFebruary6, January 20,2016,fromhttp://www.ncsl.org/research/health/medicaid-eligibility-table-by-state-state-activit.aspx National ConferenceofStateLegislatures.(2014).MedicaidandCHIP Eligibility Table byState.Retrieved , 1(3),323–336. ays. New York Times. Retrievedfrom , 8(4),

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