Ventura County 2020 Analysis of Impediments to Fair Housing Choice

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Ventura County 2020 Analysis of Impediments to Fair Housing Choice Ventura County 2020 Analysis of Impediments to Fair Housing Choice Prepared and submitted by The Cloudburst Group June 30, 2020 Contents Executive Summary .................................................................................................... 1 Summary of Key Findings .......................................................................................... 1 Overview .................................................................................................................... 3 Purpose .............................................................................................................................................. 3 Geography.......................................................................................................................................... 4 Previous Impediments ............................................................................................... 5 Prior AI Impediments and Efforts .................................................................................................... 5 Fair Housing Laws ............................................................................................................................ 13 California Law .................................................................................................................................. 16 Local Law(s) ......................................................................................................................................19 Community Engagement ......................................................................................... 20 AI Development Process ................................................................................................................. 20 Demographic and Housing Market Analysis ........................................................... 23 Population Trends ........................................................................................................................... 23 Income Trends................................................................................................................................. 30 Segregation Indices ......................................................................................................................... 33 Employment Trends ........................................................................................................................ 39 Housing Trends ................................................................................................................................ 41 Access to Opportunity .................................................................................................................... 46 Evidence of Housing Discrimination....................................................................... 52 Fair Housing Complaints ................................................................................................................ 52 Fair Housing Testing ....................................................................................................................... 54 Fair Housing Education and Outreach .......................................................................................... 55 Opposition to Affordable Housing ................................................................................................. 56 Community Data ............................................................................................................................. 59 Public Sector Policy Review ..................................................................................... 61 Introduction ..................................................................................................................................... 61 The Role of the General Plan and Zoning Ordinance ..................................................................... 61 Public Housing and Voucher Programs ......................................................................................... 88 Appointed Boards/ Commissions ................................................................................................... 89 Language Accommodations ............................................................................................................ 89 Private Sector Policy Review .................................................................................... 92 Mortgage Lending ........................................................................................................................... 92 Housing Advertising ...................................................................................................................... 119 Impediments to Fair Housing Choice ..................................................................... 121 Fair Housing Services and Education ............................................................................................. 121 Public Policies ................................................................................................................................ 122 Housing Market.............................................................................................................................. 123 Lending and Insurance Practices ................................................................................................... 125 Executive Summary The Analysis of Impediments (AI) is intended to be a document that provides information to policymakers, administrative staff, housing providers, lenders, and fair housing advocates throughout the region. The U.S. Department of Housing and Urban Development (HUD) requires each jurisdiction that receives Community Development Block Grant (CDBG), HOME Investments Partnership Program (HOME) and Emergency Solutions Grant (ESG), to complete an AI at least once every three to five years, consistent with the Consolidated Plan cycle, as part of their obligations under the Community Development Act of 1974 and the Cranston-Gonzalez National Affordable Housing Act. Jurisdictions receiving funds from HUD certify that they will “affirmatively further fair housing, which means that it will conduct an analysis of impediments (AI) to fair housing choice within the jurisdiction, take appropriate actions to overcome the effects of any impediments identified through that analysis, and maintain records reflecting the analysis and actions.” (24 CFR 91.225(a)(1) (2014); 24 CFR 91.325(a)(1) (2014), 42 U.S.C. 5304(b)(2), 5306(d)(7)(B), 12705(b)(15)) HUD defines “impediments” as: “any actions, omissions, or decisions taken because of race, color, religion, sex, disability, familial status or national origin that restricts housing choices or the availability of housing choices of these protected classes” and “fair housing choice” as “the ability of persons of similar income levels to have the same housing choices regardless of race, color, religion, sex, handicap, familial status, or national origin.” This AI document is a collaborative effort between the HUD Entitlement Cities of Camarillo, Oxnard, San Buenaventura, Simi Valley, and Thousand Oaks, and the Ventura Urban County including the Cities of Fillmore, Moorpark, Ojai, Port Hueneme, Santa Paula, and the Unincorporated areas of Ventura County. This document is an update to the Ventura County Regional Analysis of Impediments to Fair Housing Choice 2015. Summary of Key Findings As outlined in the Impediments to Fair Housing Choice section of this report, the primary impediments to fair housing identified are: • Housing discrimination on the basis of protected class continues throughout Ventura County. • There is a lack of consistently presented and easily accessed fair housing information available online. • Between 2014 and 2019, 90 hate crimes were reported in Ventura County on the basis of race, ethnicity, ancestry, religion, and sexual orientation. • Disparities in access to homeownership opportunities. • Limited fair housing testing of discriminatory practices in private rental and home sales markets. Ventura County: Analysis of Impediments 1 • The average wage gap between men and women in Ventura County widens as level of education increases. • Housing prices have risen for all residents, regardless of race or ethnicity, while remaining moderately segregated. • Home rehabilitation of older housing units can be an obstacle for low- and moderate-income homeowners who are disproportionately members of minority racial and ethnic groups, people with disabilities, and seniors. • Lack of accessible housing options for seniors and persons with disabilities. • Many seniors have some form of physical disability which, if no modifications to their property occur, will impede them from continuing to live within their home and neighborhood. Ventura County: Analysis of Impediments 2 Overview Purpose Affirmatively furthering fair The Analysis of Impediments to Fair Housing housing: Purpose Choice (AI) provides communities an opportunity to examine progress toward the goals of Pursuant to the affirmatively furthering fair eliminating housing discrimination and providing housing mandate in section 808(e)(5) of the fair current and future residents access to housing housing act, and in subsequent legislative enactments, the purpose of the affirmatively opportunity. When a community takes furthering fair housing (AFFH) regulations in §§ meaningful action to achieve these goals, the 5.150 through 5.180 is to provide program community is “affirmatively furthering fair participants with an effective
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