OUR MISSION

Founded in 1974 by Cushing N. Dolbeare, NLIHC is dedicated solely to achieving socially just public policy that ensures people with the lowest incomes in the United States have affordable and decent homes.

Our goals are to preserve existing federally assisted homes and housing resources, expand the supply of low income housing, and establish housing stability as the primary purpose of federal low income housing policy.

NLIHC’s staff work together to achieve our advocacy goals. Our Research Team studies trends and analyzes data to create a picture of the need for low-income housing across the country. Our Policy Team educates lawmakers about housing need and analyzes and shapes public policy. Our Field Team mobilizes members and supporters across the country to advocate for good housing policy. Our Communications Team shapes public opinion of low-income housing issues. And our Administration Team works to ensure NLIHC remains a sustainable, high- capacity organization. TABLE OF CONTENTS

MESSAGE FROM THE PRESIDENT & CEO ...... 1 NLIHC RESPONDS TO COVID-19 PANDEMIC ...... 3 RACIAL EQUITY AND HOUSING JUSTICE ...... 7 ADDTIONAL ADVOCACY EFFORTS ...... 8 TRAININGS/INFORMING/CAPACITY-BUILDING IN 2020 ...... 9 MEDIA AND SOCIAL MEDIA IN 2020 ...... 10 TENANT TALK ...... 11 RESEARCH, PUBLICATIONS, AND WEB RESOURCES ...... 13 The Gap: A Shortage of Affordable Homes ...... 13 Picture of Preservation Report ...... 14 Out of Reach: The High Cost of Housing ...... 15 Fixing America’s Broken Disaster Housing Recovery System - Part 1 & 2 ...... 16 CAMPAIGNS & COALITIONS ...... 17 Opportunity Starts at Home Campaign ...... 17 Our Homes, Our Votes: 2020 ...... 19 EVENTS ...... 21 Housing Leadership Awards Reception ...... 21 STATE PARTNERS & OTHER CAMPAIGNS/COALITIONS ...... 22 NLIHC Opposes Anti-Trans Changes to the Equal Access Rule ...... 22 NLIHC State Partners ...... 23 Leading other Campaigns & Coalitions ...... 24 LEADERSHIP & STAFF ...... 25 MEMBERS ...... 28 DONORS ...... 41 FINANCIALS ...... 47 DEAR NLIHC MEMBERS, DONORS, & FRIENDS MESSAGE from the PRESIDENT & CEO

Dear NLIHC Members, Donors, and Friends,

Thank you for your perseverance and commitment throughout 2020, one of the most extraordinary and difficult years in our lifetimes. During a time of tremendous change, fear, loss, and struggle – personally and professionally – NLIHC’s members and partners rose to the challenge, working to keep unhoused people and low-income and marginalized renters safe, healthy, and housed during this unprecedented global health crisis. You and your work has been nothing short of heroic.

We are all forever changed by 2020 - through loss and grief, through sickness and division. The pandemic made starkly clear that housing is healthcare and the collective harm that comes from allowing homelessness and housing poverty in America to persist. The year also vividly showed the deep structural racism on which our country, and so many of its systems, was built, and how that structural racism harms and kills Black, Indigenous and other people of color. And it made clear our collective responsibility to repair this deep injustice, to work towards racial and housing justice.

The year also showed us, as housing advocates, organizers, providers, tenant leaders, and impacted people, how deep and broad our movement for housing justice is, and how powerful and effective we can be. We organized, educated, advocated, and We can end homelessness and housing poverty in demanded action, and together we achieved unprecedented resources and protections for renters and unhoused people. America. We have the data, the solutions, and, as a country, the resources. We lack only the political Through our collective advocacy, and the leadership of extraordinary congressional champions, we achieved substantial resources to keep safe people experiencing homelessness; we secured a national eviction moratorium which, while flawed, will to fund the solutions at the scale necessary. is the first of its kind in our history, keeping tens of millions of renters stably housed during the pandemic; and we won Through our collective work, we are building the passage of $46 billion in emergency rental assistance, to address the rent and utility arrears that accrued during the pandemic, will, and policymakers are taking up the charge. disproportionately among the lowest-income renters and people of color.

But clearly, we have so much more to do – to permanently house those without homes; to ensure the historic emergency rental assistance reaches the lowest-income and most marginalized people – Black, Indigenous, Latino and other people of color; immigrants; LGBTQ individuals; survivors of domestic violence; and people involved with the criminal legal system; and to build on our success, keep the momentum going, and demand that Congress and the White House resolve our nation’s underlying housing crisis and systemic racism that brought us to the brink of housing catastrophe during the pandemic.

We now have before us an extraordinary moment of opportunity for Congress to enact big, bold solutions in an infrastructure spending bill. This is a once-in-a-generation, perhaps once-in-a-lifetime, moment of opportunity – and we are ready, with a strengthened, expanded and incredibly effective movement for housing justice.

2020 was the year that changed us all. 2021 can be the year we begin to end homelessness and housing poverty, once and for all.

Thank you for your leadership, your partnership and your incredible work. Let’s keep going, together.

Onward.

Diane Yentel, NLIHC President and CEO COVID-19

Quickly developed and shared policy NLIHC RESPONDS recommendations to protect and serve low-income renters and people experiencing homelessness; TO COVID-19 created a regularly updated webpage https:// bit.ly/34QI1TA with key information from across PANDEMIC the country; and worked closely with decision In response to the unprecedented crisis caused by makers on the funding and other measures the pandemic, NLIHC mobilized its members and needed immediately to protect these communities. partners around the country and its Disaster Housing We secured $12 billion in the “CARES Act” for Recovery Coalition of more than 850 national, state, HUD programs in March, including $4 billion for and local organizations to do all we could to protect homelessness response, as well as an eviction people experiencing homelessness and low-income moratorium on all federally assisted homes. renters. A few examples of our many activities in We continued to advocate for billions more for 2020, we: homelessness response and emergency rental assistance, and for a uniform, nationwide eviction Regranted $3.5 million in special foundation moratorium. NLIHC’s emergency rental assistance funding to support local efforts to address urgent recommendation was included (with extensive housing, shelter, homeless deconcentrating, and NLIHC input) in a bicameral bill, “The Emergency health needs at the beginning of the pandemic. Rental Assistance and Rental Market Stabilization Act,” and then all our policy priorities were included in in the House-passed “HEROES Act” in May. Hosted weekly national calls (each attended by 800-2,500) since the start of the pandemic on coronavirus, disasters, housing, and homelessness Influenced - through massive media coverage to share information on how federal, state and local about the ending of the CARES Act eviction governments and non-profits were responding, moratoriums on federally assisted properties in how the crisis was impacting people experiencing July - the CDC to issue a new federal eviction homelessness and low-income renters, what more moratorium for the non-payment of rents in all needed to be done by policy makers, and how properties effective September 4 until December advocates could most effectively make those 31, 2020. While not perfect in a number of actions occur. We also launched and lead smaller, respects, the temporary moratorium on evictions more focused “working-group” calls weekly or extended vital protections to tens of millions of biweekly, attended by 60-100 participants on: renters at risk of eviction for non-payment of rent legislation strategy; working with FEMA; state and during the pandemic. But this moratorium merely local response-implementation; and (now monthly) postponed evictions, had loopholes landlords resident-leader engagement (“Tenant Talk Live”). could abuse, had no enforcement mechanism, and, upon its expiration, back-rent and fees (up to $30- $70 billion) would be due.

3 NATIONAL LOW INCOME HOUSING COALITION COVID-19

Provided on our website a toolkit and guide on the challenges, obstacles, and policy recommendations for working with FEMA https://bit.ly/3qukuCE and https://bit.ly/3qvgjWT, a searchable database and interactive map https://bit.ly/39VnMsP of all properties in the U.S. protected by CARES Act federal eviction moratoriums, a listing and map of all state and local rental assistance programs https://nlihc.org/rental-assistance, numerous coronavirus fact sheets and Q&As https://nlihc. org/coronavirus-and-housing-homelessness, the CDC eviction moratorium “declarative statements” translated into over 20 languages, Q&As about the eviction moratorium https://bit.ly/2VCL5yX, and numerous research briefs/reports. Some examples of our research:

The Need for Emergency Rental Assistance During State & Local Rental the COVID-19 and Assistance Programs Economic Crisis during COVID-19 https://bit.ly/36Q44wm https://bit.ly/3mVaOP8

Fixing America’s Broken Disaster Housing Recovery System: Part 2 on Policy Reforms Emergency Rental Assistance Programs in https://bit.ly/33R1NPO Response to COVID-19 https://bit.ly/3lSCH9s Part 1 released in 2019

Housing is Healthcare: Challenges, Best Practices, and Policy Recommendations to Improve FEMA Programs to House People Experiencing Homelessness in Non- Congregate Shelters During the Pandemic Costs of COVID-19 Evictions https://bit.ly/3mPCTaa https://bit.ly/2JXroPR

CONT. ON PAGE 5

2020 ANNUAL REPORT 4 COVID-19

NLIHC RESPONDS TO COVID-19 PANDEMIC:

Tracked over 700 state and local emergency rental assistance programs around the country, documenting and sharing challenges, best practices and lessons, utilization of funds, where programs closed due to lack of funds, and more. We provided Led a sign-on letter to the CDC director $600K in capacity grants to eight state urging the agency to use its authority to partners (NC, UT, AK, KY, ME, FL, NE, AZ) extend beyond Dec. 31, improve and to track and influence emergency rental enforce its previously issued moratorium. assistance programs and policies in their NLIHC succeeded in getting over 1,550 states and federally. organizations and elected officials around the country to sign on (https:// bit.ly/2LlbvUd). We later sent the letter to all members of Congress when some congressional leaders were threatening Influenced a bipartisan compromise to remove from the final coronavirus relief COVID-19 relief package through extensive package an extension of the moratorium to advocacy by NLIHC and our partners and January 31, 2021 https://bit.ly/3941TW3 network; the proposal included $25 billion in emergency rental assistance and an extension of the CDC eviction moratorium. NLIHC communicated extensively with congressional negotiators to make improvements to the package.

5 NATIONAL LOW INCOME HOUSING COALITION COVID-19

Ensured the COVID-19 relief bill with Released with other national partners emergency rental assistance and an extended a Framework for Equitable COVID-19 eviction moratorium became law! In the Homelessness Response centering a racial closing days of the year, Congress passed by justice and equity lens to all homelessness a large bipartisan majority, and the president services and programs. https://bit.ly/36GIP00 signed, a coronavirus relief package with $25 billion in emergency rental assistance, an extension of the CDC eviction moratorium, and an extension on the use of CRF funds until the end of 2021. NLIHC and our allies across the Released a national public opinion poll country engaged in a massive call-in, email, on housing instability during COVID-19 and sign-on-letter campaign to congressional through the NLIHC-led Opportunity Starts at offices and succeeded in defeating last- Home (OSAH) multisector affordable homes minute harmful proposals. The passage of campaign. The top-line results of the poll, the full package was made possible by the released on May 29, showed a large majority of extraordinary advocacy of NLIHC’s members, the public (89-93%) believed, on a bipartisan partners and allies throughout the country, basis, the government should provide and the leadership and tenacity of several emergency rental assistance, funding for congressional champions with whom NLIHC homelessness response, and a national eviction was in frequent communications throughout. moratorium https://bit.ly/3gEgjhM NLIHC’s analysis of the housing provisions in the final bill are at: https://bit.ly/3aAYq3x

2020 ANNUAL REPORT 6 RACIAL EQUITY AND HOUSING JUSTICE

NLIHC held a three-part live-stream discussion series on “Racial Equity and Housing Justice during and after COVID-19,” each attended by 5,000- 8,500 participants. The three sessions were with: Dr. Ibram X. Kendi, author of How to Be an Antiracist and Stamped from the Beginning, and founding director of The Antiracist Research & Policy Center at American University; Nikole Hannah-Jones, creator and Pulitzer Prize-winning author of the New York Times Magazine’s “The 1619 Project,” and writer on racial injustice for The New York Times Magazine; and Ta-Nehisi Coates, National Book Award winner for Between the World and Me and distinguished writer in residence at NYU’s Arthur L. Carter Journalism Institute.

OSAH CAMPAIGN RELEASES UPDATED VISION, MISSION AND GOALS TO REFLECT RACIAL EQUITY FOCUS: The NLIHC-led Opportunity Starts at Home multisector affordable homes campaign updated its vision, mission, and goal statements to explicitly center racial equity. The campaign’s Racial Equity Working Group, a subset of the Steering Committee, spearheaded this work. The new statements are on the campaign’s homepage and represent the contributions of leading national organizations from housing, health, education, civil rights, criminal justice, food security, social work, and faith communities.

NLIHC TESTIFIES AT TEXAS ADVISORY COMMITTEE TO THE U.S. COMMISSION ON CIVIL RIGHTS: NLIHC Vice President of Public Policy Sarah Saadian testified on November 12 before the Texas Advisory Committee to the U.S. Commission on Civil Rights on the federal disaster housing response to Hurricane Harvey. She described how the federal response to Hurricane Harvey failed to address the housing needs of low-income survivors and survivors of color and about the urgent need to reform our nation’s disaster housing response and recovery system to ensure a complete and equitable recovery for the lowest-income survivors, including people of color, people with disabilities, seniors, and others.

7 NATIONAL LOW INCOME HOUSING COALITION ADDITIONAL ADVOCACY EFFORTS ACTIVITIES IN 30,000 2020:

NLIHC President and CEO Diane Yentel testified at a September 16 Senate Budget Committee Roundtable on NLIHC conducted over “Examining Federal Housing Programs,” a July 28 House 30,000 contacts with Transportation and Infrastructure Subcommittee hearing on congressional offices “Experiences of Vulnerable Populations During Disaster,” and a May 22 virtual roundtable hosted by the House Financial Services Subcommittee on Housing, Community Development, and Insurance on the “Reviewing the Impact of the COVID-19 Pandemic on U.S. Housing Markets.” 35

NLIHC led/participated on 35 sign-on/comment letters

246

NLIHC issued 246 calls to action and updates to 160,000 advocates

2020 ANNUAL REPORT 8 TRAININGS/INFORMING/ CAPACITY-BUILDING IN 2020

300 184

NLIHC staff conducted NLIHC staff presented at 184 300 meetings/convenings/ events and forums in 2020 webinars/forums attended by attended by more than

47,000 40,000

participants in 2020. participants in 2020.

9 NATIONAL LOW INCOME HOUSING COALITION 2020 NATIONAL MEDIA AND SOCIAL LOW INCOME ANNUAL HOUSING REPORT MEDIA IN 2020: COALITION MEDIA & COMMUNICATIONS

MEDIA 11,0 0 6 18 NLIHC research million and expertise were TWITTER featured in 11,006 IMPRESSIONS media stories around the country.

SOCIAL MEDIA NLIHC CEO and staff participated in 3.4 million media unique website visitors interviews 16,271 481 Facebook likes

17,939,300 Twitter impressions 18 blogs

NLIHC issued 58.6k NLIHC Twitter followers press52 releases/statements

2020 ANNUAL REPORT 10 TENANT TALK: TENANT TALK: THE PATH TO HOUSING REENTRY

NLIHC released on February 17 its winter 2020 edition of Tenant Talk, a publication by and for residents of public and assisted housing and those in need of such housing. The winter 2020 edition focused on “The Path to Housing Reentry,” the obstacles returning prisoners face in securing decent, safe, accessible housing and other housing-criminal justice issues; how those obstacles and issues must be addressed; and what advocates can do. Read Tenant Talk: The Path to Housing Reentry at: https://bit.ly/2VoNiza

TENANT TALK: A RESPONSE TO THE COVID-19 PANDEMIC

NLIHC released on June 10 a special edition of Tenant Talk: A Response to the COVID-19 Pandemic – Shelter in Place Requires Shelter. This issue focused on the unique challenges faced during the pandemic by low- income renters and people experiencing homelessness. It delved into such issues as how people experiencing homelessness are at especially high risk for COVID-19 and the heath challenges with congregate shelters and how states are using hotels to deconcentrate shelters and homeless encampments. Additional topics included the increase in domestic violence during the pandemic and where victims can get help, the impacts of COVID-19 on immigrants, legislative actions to-date and more that was needed. https://bit.ly/2XNZ0E8.

11 NATIONAL LOW INCOME HOUSING COALITION TENANT TALK LIVE!

NLIHC continued its Tenant Talk Live Resident Engagement Call/Webinar Series. The voices of public housing residents and residents in other federally subsidized housing are critically important in all NLIHC’s efforts. In 2020, NLIHC offered Tenant Talk Live calls/webinars with resident leaders from across the country biweekly and then monthly to address issues and concerns of residents related to COVID-19, racial justice, and other key topics. Tenant Talk Live provides opportunities for residents to connect with NLIHC and one another; to share best practices; and to become more involved in influencing federal housing policies and to lead in their communities.

TENANT TALK: HOUSING IS BUILT WITH BALLOTS: NLIHC released on September 23 its fall edition of Tenant Talk, focused on voter registration and mobilization during the 2020 presidential election, the major party platforms on housing, and the tools and resources available from NLIHC’s Our Homes, Our Votes project for resident leaders and nonprofits for nonpartisan voter and candidate engagement.

https://bit.ly/2XNZ0E8

2020 ANNUAL REPORT 12 1000 Vermont Avenue, NW Suite 500 Washington, DC 20005 THE GAP A SHORTAGE OF AFFORDABLE HOMES, 2020 202-662-1530 of people experiencing homelessness in families, remains, however, when we consider both extremely https://nlihc.org another 449,737 homes are needed. The real low- and very low-income renter households shortage of rental homes affordable to extremely together. low-income households, therefore, is closer to 4.1 Nine million renters have low incomes (i.e., million. Even this estimate is conservative, as it does incomes between 51% and 80% of AMI). Low- not account for doubled-up households. income renters can afford the 16.2 million homes In contrast, there is a cumulative surplus of affordable to extremely low-income and very low- affordable homes for households with higher income renters, and they can afford an additional incomes (Figure 1). Approximately 6.8 million 19.2 million more expensive rental homes. In total, renter households have very low incomes (i.e., 35.4 million rental homes are affordable to low- incomes above the extremely low-income threshold income renters. Approximately 4.5 million renters but below 50% of AMI). Members of that income are middle-income (i.e., with incomes between 81% group can afford the same 7.3 million rental homes and 100% of AMI). Middle-income renters can that are affordable to extremely low-income renters, afford all the homes that low-income renters can and they can also afford another 8.9 million more afford, plus an additional 5.8 million more expensive expensive rental homes. In total, 16.2 million rental rental homes, so the total supply of affordable rental MADE POSSIBLE BY THE GENEROSITY OF: homes are affordable for the 6.8 million very low- housing for that group is 41.2 million units. income renter households. A cumulative shortage

FIGURE 1: RENTAL UNITS AND RENTERS IN THE US, MATCHED BY AFFORDABILITY AND INCOME CATEGORIES, 2018 (IN MILLIONS) THE GAP A SHORTAGE OF AFFORDABLE HOMES, 2020 Extremely Low-Income Very Low-Income Low-Income Middle-Income Above Median Income

41.2 + 4.8 = 50% of AMI. Figure 3 illustrates the incremental and available rental homes increases only by 6.2 46m Units change in the cumulative number of renters at million units. Consequently, there is a shortage of AFFORDABLE 35.4 + 5.8 = increasingly higher levels of income, alongside the 7.5 million affordable and available rental homes for 12.5m Households 41.2m Units cumulative number of rental homes affordable and households with incomes at or below 50% of AMI. available. The figure shows AFFORDABLE The shortage decreases OTHER RESEARCH a cumulative shortage of as incomes rise. Going affordable and available The figure shows a 4.5m Households further up the income 16.2 + 19.2 = rental homes at lower cumulative shortage scale to include all 35.4m Units levels of income and a BEYOND COVID of affordable and renters earning less 9.0m Households AFFORDABLE surplus at higher levels. than 80% of AMI adds Represented on the far available rental homes 9 million households left of Figure 3, 10.9 at lower levels of to the cumulative total 6.8m Households AFFORDABLE 7.3 + 8.9 = million extremely low- of renter households, 16.2m Units income renter households income. and it adds 14.8 million occupy or have access to units to the cumulative only 4 million affordable 10.9m Households total of affordable and available rental homes. AFFORDABLE and available units, leaving a shortage of nearly 7.3m Units This incremental increase significantly reduces the 7 million rental homes. Moving to the right to cumulative shortage of affordable and available include all renter households earning up to 50% Households Cumulative Units rental homes. At median income, the cumulative (By Income Category) (By Affordability Category) of AMI, there is an incremental increase of 6.8 shortage disappears. Source: NLIHC tabulations of 2018 ACS PUMS data. million households, but the number of affordable

NATIONAL LOW INCOME HOUSING COALITION 3 FIGURE 3: RENTER HOUSEHOLDS AND AFFORDABLE & AVAILABLE RENTAL HOMES, 2018

Incremental Increase in Households Incremental Increase in Affordable & Available Rental Homes 12.5 14.4 THE GAP A Shortage of 4.5 4.5 6.7 Affordable Homes 6.7 MARCH 2020 9.0 9.0 9.0 a shortage of 14.8 14.8 14.8 6.8 ANDREW AURAND, PH.D., MSW NLIHC BOARD OF DIRECTORS 6.8 6.8 6.8 Vice President for Research Marla Newman, Chair, Winston-Salem, NC Dora Gallo, First Vice-Chair, Los Angeles, CA DAN EMMANUEL, MSW Lot Diaz, Second Vice-Chair, Washington, DC 6.2 6.2 6.2 6.2 Moises Loza, Treasurer, Alexandria, VA 10.9 10.9 10.9 10.9 10.9 Senior Research Analyst Martha Weatherspoon, Secretary, Clarksville, TN Bob Palmer, At-Large Executive Committee, Chicago, IL 4.0 4.0 4.0 4.0 4.0 affordable homes DANIEL THREET, Ph.D. Dara Balwin, Washington, DC Russell “Rusty” Bennett, Birmingham, AL At Extremely < 50% AMI < 80% AMI < 100% AMI Above Median Research Analyst Low-Income Income Emma “Pinky” Clifford, Pine Ridge, SD Household Income IKRA RAFI Yanira Cortes, Resident, Toms River, NJ Chris Estes, Washington, DC Source: NLIHC tabulations of 2018 ACS PUMS data. Creative Services Specialist Daisy Franklin, Resident, Norwalk, CT Deirdre “DeeDee” Gilmore, Charlottesville, VA DIANE YENTEL Aaron Gornstein, Boston, MA Erhard Mahnke, Burlington, VT 5 NLIHC’s Gap report, released on March President and CEO NATIONAL LOW INCOME HOUSING COALITION Rachael Myers, Seattle, WA Karlo Ng, San Francisco, CA Ann O’Hara, Boston, MA ABOUT NLIHC Crishelle Palay, Houston, TX The National Low Income Housing Coalition is Eric Price, Washington, DC 10, 2020, found a national shortage of Shalonda Rivers, Opa Locka, FL dedicated solely to achieving socially just public policy Nan Roman, Washington, DC that ensures people with the lowest incomes in the Michael Steele, New York, NY United States have affordable and decent homes. NLIHC STAFF Founded in 1974 by Cushing N. Dolbeare, NLIHC Sonya Acosta Policy Analyst seven million affordable and available Jordan April Research Intern educates, organizes and advocates to ensure decent, Kyle Arbuckle Housing Advocacy Organizer affordable housing for everyone. Andrew Aurand Vice President for Research Victoria Bourret Housing Advocacy Organizer Alayna Calabro Field Intern Our goals are to preserve existing federally assisted Josephine Clarke Executive Assistant rental homes for extremely low-income Dan Emmanuel Senior Research Analyst homes and housing resources, expand the supply of low Ed Gramlich Senior Advisor income housing, and establish housing stability as the Paul Kealey Chief Operating Officer Mike Koprowski Director, Multisector Housing primary purpose of federal low-income housing policy. Campaign Joseph Lindstrom Director for Field Organizing Kim Johnson Policy Analyst (ELI) renter households. The report Mia Juliana Graphic Design/Communications Intern May Louis-Juste Communications Specialist Lisa Marlow Manager of Media Relations and Communications Sarah Saadian Vice President for Public Policy Khara Norris Director of Administration analyzes the supply of rental homes Noah Patton Housing Policy Analyst Ikra Rafi Creative Services Specialist Tyra Reed Policy Intern Catherine Reeves Development Coordinator Brooke Schipporeit Housing Advocacy Organizer The National Low Income Housing Coalition Daniel Threet Research Analyst A Shortage of Chantelle Wilkinson Multisector Housing Campaign affordable and available to different 1000 Vermont Avenue, NW • Suite 500 Coordinator Washington, DC 20005 Renee Willis Vice President for Field and 202-662-1530 • https://nlihc.org Communications Diane Yentel President and CEO Affordable Homes © 2020 National Low Income Housing Coalition MARCH 2020 income groups in the U.S., in every state and the fifty largest metro areas. THE GAP A SHORTAGE OF AFFORDABLE HOMES, 2020 The Gap showed there were just 36 INTRODUCTION he last few years have seen the lowest low incomes account for 25% of all renter unemployment rate in 50 years, new stock households and 8% of all U.S. households. affordable and available rental homes Tmarket records, and increasing weekly • Extremely low-income renters in the U.S. face earnings for full-time workers (Bureau of Labor a shortage of 7 million affordable and available Statistics, 2019; Phillips, 2020; Bureau of Labor rental homes. Only 36 affordable and available Statistics, 2020). The benefits of economic growth, homes exist for every 100 extremely low-income for every 100 ELI renter households 1 however, are unevenly distributed: income inequality renter households. continues to grow, 44% of workers aged 18-64 are • Seventy-one percent (7.7 million) of the nation’s in low-wage jobs, more than 38 million Americans 10.9 million extremely low-income renter nationwide. Seventy-one percent of remain in poverty, and homelessness has increased households are severely housing cost-burdened, by 3% since 2018 (Guzman, 2019; Ross & spending more than half of their incomes on Bateman, 2019; Semega et al., 2019; HUD, 2020). rent and utilities. They account for almost 72% Improvements in the economy have not resolved of all severely cost-burdened renters in the U.S. the lowest-income renter households the longstanding needs of low-income people who • Extremely low-income renters are much more continue to struggle to find affordable, decent, likely to be severely housing cost-burdened than and accessible housing. The supply of affordable other income groups. Thirty-three percent of very low-income, eight percent of low-income, are severely housing cost-burdened, housing for the nation’s lowest-income families and and two percent of middle-income renters are individuals remains deeply inadequate. severely cost-burdened. Each year, NLIHC examines the American • Extremely low-income renters are more likely THE GAP A SHORTAGE OF AFFORDABLE HOMES, 2020 spending more than half of their Community Survey (ACS) to determine the than other renters to be seniors or people with availability of rental homes affordable to extremely disabilities. Forty-six percent of extremely low- low-income households – those with incomes at or income renter households are seniors or disabled, FIGURE 4: INCREMENTAL CHANGE TO SURPLUS available homes for all renters below below the poverty line or 30% of the area median and another 44% are in the labor force, in school, (DEFICIT) OF AFFORDABLE AND AVAILABLE each income threshold. The cumulative incomes on housing, with little left over income (AMI), whichever is greater – and other or single-adult caregivers. RENTAL HOMES, 2018 (IN MILLIONS) deficit grows to 7.5 million affordable income groups (Definitions). This annual report and available homes for all renters with • People of color are more likely than white 5.8 provides information on affordable housing for the 6.0 people to be extremely low-income renters. incomes below 50% of AMI, but the U.S., each state plus the District of Columbia (DC), Twenty percent of Black households, 17% of 4.0 cumulative deficit is only 1.7 million for other necessities and at a high risk and the largest metropolitan areas. This year’s key American Indian or Alaska Native households, 2.2 1.9 for all renters with incomes below 80% findings include: 2.0 AMI because of the improvement 15% of Hispanic households, and 10% of Asian 0.4 • 10.9 million renter households with extremely households are extremely low-income renters. 0 in supply for renters with incomes of eviction and homelessness. No state -0.6 between 51% and 80% of AMI. -2.0 DEFINITIONS -1.8 ---- Cumulative Deficit/Surplus AREA MEDIAN INCOME (AMI): HOUSING COST The median family income in the metropolitan or nonmetropolitan area -4.0 of Affordable and Available Rental Homes EXTREMELY LOW-INCOME (ELI): Households with incomes at or below the poverty guideline or 30% of AMI, whichever is higher BURDENS had an adequate number of affordable VERY LOW-INCOME (VLI): Households with incomes between ELI and 50% of AMI -6.0 LOW-INCOME (LI): Households with incomes between 51% and 80% of AMI Households are considered housing -8.0 -7.0 -7.5 MIDDLE-INCOME (MI): Households with incomes between 81% and 100% of AMI Extremely >ELI to 50% 51% to 80% 81% to 100% Above Median cost-burdened when they spend more Low-Income (ELI) of AMI of AMI of AMI ABOVE MEDIAN INCOME: Households with incomes above 100% of AMI than 30% of their incomes on rent and homes for its lowest-income renters. COST BURDENED: Spending more than 30% of household income on housing costs Source: NLIHC tabulations of 2018 ACS PUMS data. utilities. They are considered severely SEVERELY COST BURDENED: Spending more than 50% of household income on housing costs cost-burdened when they spend more FIGURE 5: RENTER HOUSEHOLDS WITH COST than half of their incomes on their

1 We use ‘renters’ and ‘renter households’ interchangeably to refer to renter households throughout this report. BURDEN BY INCOME GROUP, 2018 housing. Cost-burdened households 9,376,471 have less to spend on other necessities, Cost Burden NATIONAL LOW INCOME HOUSING COALITION 1 such as food, clothing, transportation, 7,745,633 Severe Cost Burden and healthcare. More than 9.3 million extremely low-income renters, 5.2 5,209,550 million very low-income renters, and 4,140,459 4.1 million low-income renters are cost-burdened (Figure 5). Combined, 2,228,984 extremely low-, very low-, and low- 705,088 928,264 708,106 income renters with incomes below 89,717 49,862 Extremely Very Low-Income Middle-Income Above 80% of AMI account for 92% of all Low-Income Low-Income Median Income cost-burdened renters. Source: NLIHC tabulations of 2018 ACS Of the 10.8 million severely housing cost-burdened renter households, 7.7 The bars in Figure 4 illustrate the incremental million are extremely low-income, change in the cumulative deficit and eventual surplus of affordable and available rental homes Extremely low-income with each step up in income. Renters with extremely low incomes face the most severe shortage by far, renters account for and the cumulative shortages of homes available nearly 72% of all and affordable for households with higher incomes severely cost-burdened are largely attributable to the shortage for the lowest-income renters. The dashed line shows the renters in the U.S. cumulative deficit or surplus of affordable and 6 NATIONAL LOW INCOME HOUSING COALITION The pandemic Made Possible By The Generous Support Of

TABLE OF CONTENTS makes clear that Introduction ...... 1 Shortage of Affordable Rental Homes ...... 2 Affordable, but Not Available ...... 4 Housing Cost Burdens ...... 6 affordable homes The Housing Shortage for Extremely Low-Income Renters by State ...... 8 The Housing Shortage for Extremely Low-Income Renters in the 50 Largest Metros ...... 9 Who Are Extremely are a prerequisite Low-Income Renters? ...... 11 Racial Disparities and Extremely Low-Income Renters . . . . . 13 A Systemic National Shortage of Rental Housing for Extremely Low-Income Households ...... 15 for individual and Federal Policy Solutions for the Lowest-Income People . . . . . 17 Housing Justice ...... 19 Conclusion ...... 20 About the Data1000 . . Vermont ...... Avenue,...... NW . . . . 21 For More InformationSuite 500 ...... 21 public health. THE GAP A SHORTAGE OF AFFORDABLE HOMES, 2020 ReferencesWashington, ...... DC. . . . 20005...... 22 Appendix A:202-662-1530 State Comparisons ...... 25 THE HOUSING SHORTAGE FOR low-income renter households), Arizona (26/100), Florida (26/100), and Oregon (28/100). The states Appendix B:https://nlihc.org Metropolitan Comparisons ...... 26 EXTREMELY LOW-INCOME with the greatest relative supply of affordable and RENTERS BY STATE available rental homes for extremely low-income renters still have significant shortages. The five top No state has an adequate supply of rental housing states are West Virginia, with 62 affordable and affordable and available for extremely low- available rental homes for every 100 extremely income households (Figure 7 and Appendix A). low-income renter households, Alabama (56/100), The shortage ranges from 8,201 rental homes in Mississippi (55/100), Kentucky (53/100), and Wyoming to nearly one million in California. The Arkansas (52/100). states where extremely low-income renters face the greatest challenges in finding affordable homes are A majority of extremely low-income renters are NATIONAL LOW INCOME HOUSING COALITION Nevada, with only 18 affordable and available rental severely housing cost-burdened in every state. The homes for every 100 extremely low-income renter states with the greatest percentage of extremely households, California (23 for every 100 extremely low-income renter households with severe cost burdens are Nevada (81%), Florida (79%), California

FIGURE 7: RENTAL HOMES AFFORDABLE AND AVAILABLE MADE POSSIBLE BY THE GENEROSITY OF: NATIONAL LOW INCOME HOUSING COALITION i PER 100 EXTREMELY LOW INCOME RENTER HOUSEHOLDS BY STATE

WA 31 NH VT 39 ME MT ND 42 51 39 51 OR 28 ID MN 41 MA–48 44 SD WI NY 49 36 WY 33 MI RI–51 40 50 CT–41 IA PA NE 46 38 NJ–29 NV OH 37 IN 18 UT IL 44 DE–36 38 CO WV CA 31 36 VA 23 31 62 MD–34 KS MO KY 36 41 42 53 DC–41 NC TN 43 AZ OK 47 26 NM 45 AR SC 46 52 47 GA MS AL 41 55 56 LA TX 42 29 AK FL 29 26 30 or Fewer Between 31 and 40 HI 39 Between 41 and 45 More than 45

Note: Extremely low income (ELI) renter households have incomes at or below the poverty level or 30% of the area median income. Source: NLIHC tabulations of 2018 ACS PUMS Data.

8 NATIONAL LOW INCOME HOUSING COALITION OTHER RESEARCH BEYOND COVID

NLIHC and the Public and Affordable Housing Research PICTURE OF Corporation (PAHRC) released the inaugural 2020 Picture PRESERVATION of Preservation report. This report documents the extent to which federally assisted affordable homes may be lost to low- REPORT income renters in the coming years and explores the pivotal role the federal government plays in building and preserving affordable rental housing at a time when millions in the U.S. are facing housing instability during the coronavirus pandemic.

Fewer than four affordable rental homes are available to every 10 extremely low-income (ELI) renter households, leaving a national shortage of 7 million rental homes for ELI households .

2020 ANNUAL REPORT 14 n TABLES & MAPS 2020 TWO-BEDROOM RENTAL HOUSING WAGES Represents the hourly wage that a full-time worker must earn (working 40 hours a week, 52 weeks a year) in order to afford the Fair Market Rent for a TWO-BEDROOM RENTAL HOME, without paying more than 30% of income.

WA $30.46 ME MT ND $19.79 $16.88 $16.18 MN OR $20.53 $24.37 VT $23.36 ID WI SD NY NH $23.43 $16.59 $17.27 $15.24 $32.53 MA $35.52 WY MI CT $26.42 $17.15 $17.42 RI $21.16 IA PA NE $15.46 $19.23 NV $16.27 OH NJ $29.69 IL DE $21.96 $20.48 UT IN $15.99 $21.30 $16.32 MD $28.06 $19.83 CO WV CA VA DC $32.83 $26.45 KS MO $14.97 $36.96 KY $23.64 $16.43 $16.07 $14.99 NC TN $17.67 AZ OK AR $17.09 $21.10 NM $15.93 SC $14.19 $16.37 $17.30 MS AL GA $14.89 $15.44 $19.11 TX $20.90 LA AK $17.48 $25.07 FL $24.43

HI Two-Bedroom Housing Wage $38.76 PR $9.36 OTHER RESEARCH Less than $17.00 $17.00 to less than $23.00 BEYOND COVID $23.00 or More OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 15

PREFACE BY U.S. SENATOR SHERROD BROWN (D-OH)

or over 30 years, Out of Reach has been an We are still living with the legacy of redlining and racial indispensable tool documenting the gap between covenants.The Fair Housing Act made these racist housing renters’ incomes and the cost of housing. policies illegal over 50 years ago, but we still see their F effects today, and segregation and discrimination continue. This vital work has never been more relevant. Too often, your zip code still determines your access OUT OF The coronavirus pandemic has been the “great revealer,” laying to health care, education, and work opportunities. bare the inequities in our society, and reminding us how our After generations of our housing policy causing segregation and homes affect every aspect of our lives, including our health. inequality, we have an opportunity to make it part of the solution. Right now, our efforts to ensure that everyone has a First, we must make sure that we do not emerge from the current safe, healthy home to weather the coronavirus storm are crisis with greater racial and wealth inequality than we began hampered by the fact that we already had a housing crisis with. Congress must provide emergency rental and mortgage in this country before this virus ever hit our shores. REACH 2020: assistance to prevent a wave of evictions and foreclosures that As this year’s Out of Reach shows, the persistent gap between will set millions of people back and compound inequality. renters’ incomes and the cost of housing continues. Many of Next, we must close the gap between income and housing our essential workers - grocery store employees, home health by paying workers a living wage, and investing in affordable aides, custodians at hospitals – have risked their lives during housing, particularly for the lowest-income households. the pandemic, but don’t get paid enough to afford housing. NLIHC released Out of Reach: The High Cost of Housing poverty and unaffordable rents leave too many of Before the pandemic struck, a quarter of our families vulnerable to everyday emergencies like a broken After generations of all renters - and 71 percent of extremely down car – let alone a natural disaster or global pandemic. low-income renters - were paying over half The country must take action to preserve and create housing Housing 2020 on July 14. The report compares rents our housing policy their incomes for housing, too often leaving affordable and accessible to everyone, and ensure that causing segregation them one emergency away from eviction. all neighborhoods are neighborhoods of opportunity. and inequality, we Now we’re seeing millions of people If we are to end systemic racism and inequality in our housing and and wages nationally and in every state, country, all have those emergencies at once. communities, and make the economy work better for everyone, we cannot shrink from these challenges. When work has dignity, have an opportunity Our country is also in the midst of everyone can find and afford a place to call home. I look forward a long-overdue reckoning with the to make it part of to working with NLIHC and others to make this a reality. systemic racism that permeates so and major metro area in the U.S. Out of Reach 2020 the solution. much in our society. The coronavirus Sincerely, and racial justice are not separate issues. Black and brown individuals are more likely to work at essential jobs that put their health at risk, they are more shows that even before the onset of the COVID-19 likely to be renters, and they have less wealth and income to cushion the economic blow than their white counterparts. U.S. Senator Sherrod Brown (D-OH) pandemic, millions of workers were struggling to afford their homes. In 2020, the national two- OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION iii bedroom “housing wage,” what one needs to earn to afford a modest rental, was 23.96 per hour. The average hourly wage of renters in the U.S. is $18.22. The average full-time minimum wage earner would THE HIGH COST OF HOUSING have to work approximately 97 hours per week for 52 weeks a year to afford a two-bedroom apartment, or 79 hours per week to afford a one-bedroom apartment at fair-market rent. In only 5% of counties nationwide could a full-time minimum-wage worker afford a one-bedroom apartment at fair-market rent.

O F R NATIONAL LOW INCOME HOUSING COALITION LI N AWAII A IA H C

STATE * ALABAMA RANKING #46

In Alabama, the Fair Market Rent (FMR) for a two-bedroom apartment is $803. In order to afford this level of rent and utilities — without paying more $15.44 than 30% of income on housing — a household must earn $2,676 monthly or PER HOUR 114 3.8 $32,110 annually. Assuming a 40-hour work week, 52 weeks per year, this HOUSING STATE level of income translates into an hourly Housing Wage of: WAGE

FACTS ABOUT ALABAMA: STATE FACTS Work Hours85 Per Week At Work Hours71 Per Week At number work hours per week number of full time jobs at Minimum Wage $7.25 Minimum Wage To Afford a 2-Bedroom Minimum Wage To Afford a 1-Bedroom Rental Home (at FMR) Rental Home (at FMR) Average Renter Wage $13.30 at minimum wage to afford a minimum wage to afford a 2-Bedroom Housing Wage $15.44 2.1 1.8 Number of Renter Households 585,046 Number of Full-Time Jobs At Number of Full-Time Jobs At 2-bedroom rental home at FMR 2-bedroom rental home at FMR Minimum Wage To Afford a Minimum Wage To Afford a (at FMR) (at FMR) Percent Renters 31% 2-Bedroom Rental Home 1-Bedroom Rental Home

HOUSING Two bedroom FMR $803 MOST EXPENSIVE AREAS WAGE One bedroom FMR $665

Birmingham-Hoover HMFA $18.96 Rent affordable at area median income (AMI) $1653 Daphne-Fairhope-Foley MSA Rent affordable with full-time job paying $17.62 mean renter wage $692 Tuscaloosa HMFA $17.02 Rent affordable at 30% of AMI $496 Rent affordable with full-time job H paying minimum wage $377 U Mobile MSA C S JER $16.81 S Rent affordable to SSI recipient $235 A E W Montgomery MSA $15.96 S E MSA = Metropolitan Statistical Area: HMFA = HUD Metro FMR Area. $0 $500 $1000$1500 $2000 T E Y * Ranked from Highest to Lowest 2-Bedroom Housing Wage. Includes District of Columbia and Puerto Rico. S OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AL-22 T A N S

M FY20 HOUSING AREA MEDIAN Alabama WAGE HOUSING COSTS INCOME (AMI) RENTERS FY20 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS ALABAMA Estimated Full-time Annual Full-time Monthly hourly MMonthlyonthly jobs at mean Hourly wage income jobs at Montlyrent rent mean rerentnt renter wage Hourly wage Annual income Full-time jobs at Estimated Full-time jobs at necessary neneedededed to miminimumnimum wage MMonthlyonthly re rentnt aaffordableffordable RenRenterter %% o fof to totaltal horenterurly mean aaffordableffordable meneededan rent etor necessatory affordto 2 BR afford 2 wage to afford Annual affordable 30% at 30% households households wage at mean afford 1 2 BR to afford needed to afford Annua4l affordable5 30% at 30% households households renter wage at mean wage needed to affor2d BR¹ 2 B RFMR² FMR BMR FMR 2BR FMR³ 3 AMI 4 at AMI5 of AMI of AMI (2014-2018) (2014-2018) (2020) renter wage 2 BR FMR 2 of AMI renter wage 111 2.7 FMR FMR 2 BR FMR 2 BR FMR AMI at AMI of AMI (2014-2018) (2014-2018) (2020) afford 2 BR FMR

Counties Autauga County $15.96 $830 $33,200 2.2 $65,700 $1,643 $19,710 $493 5,301 25% $11.44 $595 1.4 Baldwin County $17.62 $916 $36,640 2.4 $81,000 $2,025 $24,300 $608 20,741 26% $11.95 $622 1.5 Barbour County $12.17 $633 $25,320 1.7 $43,800 $1,095 $13,140 $329 3,546 39% $10.47 $544 1.2 Bibb County $18.96 $986 $39,440 2.6 $73,100 $1,828 $21,930 $548 1,705 25% $11.60 $603 1.6 Blount County $18.96 $986 $39,440 2.6 $73,100 $1,828 $21,930 $548 4,403 21% $9.70 $504 2.0 Bullock County $11.77 $612 $24,480 1.6 $42,900 $1,073 $12,870 $322 883 24% $5.24 $272 2.2 number work hours per week number of full time jobs at Butler County $11.77 $612 $24,480 1.6 $45,800 $1,145 $13,740 $344 2,016 30% $10.25 $533 1.1 Calhoun County $13.46 $700 $28,000 1.9 $61,500 $1,538 $18,450 $461 13,747 31% $10.47 $545 1.3 minimum wage to afford a Chambers County $13.13 $683 $27,320 1.8 $51,900 $1,298 $15,570 $389 4,357 32% $13.63 $709 1.0 at minimum wage to afford a Cherokee County $11.77 $612 $24,480 1.6 $53,400 $1,335 $16,020 $401 2,232 21% $9.27 $482 1.3 Chilton County $13.73 $714 $28,560 1.9 $56,100 $1,403 $16,830 $421 4,213 25% $11.67 $607 1.2 2-bedroom rental home at FMR 2-bedroom rental home at FMR Choctaw County $11.88 $618 $24,720 1.6 $48,500 $1,213 $14,550 $364 1,087 20% $12.23 $636 1.0 Clarke County $11.77 $612 $24,480 1.6 $53,700 $1,343 $16,110 $403 3,044 33% $10.50 $546 1.1 Clay County $11.77 $612 $24,480 1.6 $50,100 $1,253 $15,030 $376 1,447 28% $12.70 $660 0.9 Cleburne County $11.77 $612 $24,480 1.6 $54,100 $1,353 $16,230 $406 1,394 24% $13.75 $715 0.9 Coffee County $12.79 $665 $26,600 1.8 $66,900 $1,673 $20,070 $502 6,967 35% $10.51 $546 1.2 Colbert County $13.73 $714 $28,560 1.9 $64,200 $1,605 $19,260 $482 5,950 27% $11.43 $594 1.2 Conecuh County $11.77 $612 $24,480 1.6 $40,000 $1,000 $12,000 $300 1,070 23% $10.25 $533 1.1 Coosa County $12.73 $662 $26,480 1.8 $49,100 $1,228 $14,730 $368 739 18% $13.03 $678 1.0 15 NATIONALNATIONAL LOWLOW INCOMEINCOME HOUSINGHOUSING COALITIONCOALITION Covington County $11.77 $612 $24,480 1.6 $54,800 $1,370 $16,440 $411 3,898 26% $10.65 $554 1.1 Crenshaw County $11.77 $612 $24,480 1.6 $55,600 $1,390 $16,680 $417 1,316 26% $10.42 $542 1.1 Cullman County $12.40 $645 $25,800 1.7 $59,700 $1,493 $17,910 $448 7,811 25% $11.29 $587 1.1 Dale County $11.77 $612 $24,480 1.6 $57,500 $1,438 $17,250 $431 7,431 40% $17.73 $922 0.7 Dallas County $11.88 $618 $24,720 1.6 $40,600 $1,015 $12,180 $305 6,569 40% $11.49 $598 1.0 DeKalb County $11.77 $612 $24,480 1.6 $51,000 $1,275 $15,300 $383 7,528 29% $11.44 $595 1.0

1: BR = Bedroom 2: FMR = Fiscal Year 2020 Fair Market Rent. 3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable. 4: AMI = Fiscal Year 2020 Area Median Income 5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AL-24 n TABLES & MAPS 2020 TWO-BEDROOM RENTAL HOUSING WAGES Represents the hourly wage that a full-time worker must earn (working 40 hours a week, 52 weeks a year) in order to afford the Fair Market Rent for a TWO-BEDROOM RENTAL HOME, without paying more than 30% of income.

WA $30.46 ME MT ND $19.79 $16.88 $16.18 MN OR $20.53 $24.37 VT $23.36 ID WI SD NY NH $23.43 $16.59 $17.27 $15.24 $32.53 MA $35.52 WY MI CT $26.42 $17.15 $17.42 RI $21.16 IA PA NE $15.46 $19.23 NV $16.27 OH NJ $29.69 IL DE $21.96 $20.48 UT IN $15.99 $21.30 $16.32 MD $28.06 $19.83 CO WV CA VA DC $32.83 $26.45 KS MO $14.97 $36.96 KY $23.64 $16.43 $16.07 $14.99 NC TN $17.67 AZ OK AR $17.09 $21.10 NM $15.93 SC $14.19 $16.37 $17.30 MS AL GA $14.89 $15.44 $19.11 TX $20.90 LA AK $17.48 $25.07 FL $24.43

HI Two-Bedroom Housing Wage $38.76 PR $9.36 Less than $17.00 OTHER RESEARCH $17.00 to less than $23.00 $23.00 or More BEYOND COVID OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION 15

FIXING AMERICA’S BROKEN DISASTER HOUSING RECOVERY SYSTEM – PART 1 & 2

NLIHC released fixing America’s Broken Disaster Our nation needs Housing Recovery System – Part One: Barriers to a Complete and Equitable Recovery and Part Two: a new vision for Policy Framework Reform Recommendations. disaster housing Recent disasters and the Coronavirus Pandemic recovery, one brought into stark relief the need to address the barriers to equitable housing recovery that centers the outlined in Part 1 of the report and to enact the housing needs comprehensive set of reforms discussed in Part 2. of the lowest- Both reports were written by NLIHC and the Fair Share Housing Center of New Jersey with critical income survivors, input from DHRC members, including many with including people first-hand experience recovering after disasters. Incorporating these policy recommendations of color, people will ensure that our nation’s disaster response with disabilities, meets the housing and health needs of the most and others. marginalized and lowest-income people.

FY20 HOUSING AREA MEDIAN Alabama WAGE HOUSING COSTS INCOME (AMI) RENTERS FY20 HOUSING WAGE HOUSING COSTS AREA MEDIAN INCOME (AMI) RENTERS ALABAMA Estimated Full-time Annual Full-time Monthly hourly MMonthlyonthly jobs at mean Hourly wage income jobs at Montlyrent rent mean rerentnt renter wage Hourly wage Annual income Full-time jobs at Estimated Full-time jobs at necessary neneedededed to miminimumnimum wage MMonthlyonthly re rentnt aaffordableffordable RenRenterter %% o fof to totaltal horenterurly mean aaffordableffordable meneededan rent etor necessatory affordto 2 BR afford 2 wage to afford Annual affordable 30% at 30% households households wage at mean afford 1 2 BR to afford needed to afford Annua4l affordable5 30% at 30% households households renter wage at mean wage needed to affor2d BR¹ 2 B RFMR² FMR BMR FMR 2BR FMR³ 3 AMI 4 at AMI5 of AMI of AMI (2014-2018) (2014-2018) (2020) renter wage 2 BR FMR 2 of AMI renter wage FMR FMR 2 BR FMR 2 BR FMR AMI at AMI of AMI (2014-2018) (2014-2018) (2020) afford 2 BR FMR

Counties Autauga County $15.96 $830 $33,200 2.2 $65,700 $1,643 $19,710 $493 5,301 25% $11.44 $595 1.4 Baldwin County $17.62 $916 $36,640 2.4 $81,000 $2,025 $24,300 $608 20,741 26% $11.95 $622 1.5 Barbour County $12.17 $633 $25,320 1.7 $43,800 $1,095 $13,140 $329 3,546 39% $10.47 $544 1.2 Bibb County $18.96 $986 $39,440 2.6 $73,100 $1,828 $21,930 $548 1,705 25% $11.60 $603 1.6 Blount County $18.96 $986 $39,440 2.6 $73,100 $1,828 $21,930 $548 4,403 21% $9.70 $504 2.0 Bullock County $11.77 $612 $24,480 1.6 $42,900 $1,073 $12,870 $322 883 24% $5.24 $272 2.2 Butler County $11.77 $612 $24,480 1.6 $45,800 $1,145 $13,740 $344 2,016 30% $10.25 $533 1.1 Calhoun County $13.46 $700 $28,000 1.9 $61,500 $1,538 $18,450 $461 13,747 31% $10.47 $545 1.3 Chambers County $13.13 $683 $27,320 1.8 $51,900 $1,298 $15,570 $389 4,357 32% $13.63 $709 1.0 Cherokee County $11.77 $612 $24,480 1.6 $53,400 $1,335 $16,020 $401 2,232 21% $9.27 $482 1.3 Chilton County $13.73 $714 $28,560 1.9 $56,100 $1,403 $16,830 $421 4,213 25% $11.67 $607 1.2 Choctaw County $11.88 $618 $24,720 1.6 $48,500 $1,213 $14,550 $364 1,087 20% $12.23 $636 1.0 Clarke County $11.77 $612 $24,480 1.6 $53,700 $1,343 $16,110 $403 3,044 33% $10.50 $546 1.1 Clay County $11.77 $612 $24,480 1.6 $50,100 $1,253 $15,030 $376 1,447 28% $12.70 $660 0.9 Cleburne County $11.77 $612 $24,480 1.6 $54,100 $1,353 $16,230 $406 1,394 24% $13.75 $715 0.9 Coffee County $12.79 $665 $26,600 1.8 $66,900 $1,673 $20,070 $502 6,967 35% $10.51 $546 1.2 Colbert County $13.73 $714 $28,560 1.9 $64,200 $1,605 $19,260 $482 5,950 27% $11.43 $594 1.2 Conecuh County $11.77 $612 $24,480 1.6 $40,000 $1,000 $12,000 $300 1,070 23% $10.25 $533 1.1 Coosa County $12.73 $662 $26,480 1.8 $49,100 $1,228 $14,730 $368 739 18% $13.03 $678 1.0 Covington County $11.77 $612 $24,480 1.6 $54,800 $1,370 $16,440 $411 3,898 26% $10.65 $554 1.1 2020 ANNUAL REPORT 16 Crenshaw County $11.77 $612 $24,480 1.6 $55,600 $1,390 $16,680 $417 1,316 26% $10.42 $542 1.1 Cullman County $12.40 $645 $25,800 1.7 $59,700 $1,493 $17,910 $448 7,811 25% $11.29 $587 1.1 Dale County $11.77 $612 $24,480 1.6 $57,500 $1,438 $17,250 $431 7,431 40% $17.73 $922 0.7 Dallas County $11.88 $618 $24,720 1.6 $40,600 $1,015 $12,180 $305 6,569 40% $11.49 $598 1.0 DeKalb County $11.77 $612 $24,480 1.6 $51,000 $1,275 $15,300 $383 7,528 29% $11.44 $595 1.0

1: BR = Bedroom 2: FMR = Fiscal Year 2020 Fair Market Rent. 3: This calculation uses the higher of the county, state, or federal minimum wage, where applicable. 4: AMI = Fiscal Year 2020 Area Median Income 5: Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.

OUT OF REACH 2020 | NATIONAL LOW INCOME HOUSING COALITION AL-24 CAMPAIGNS & COALITIONS

OPPORTUNITY STARTS AT HOME multi-sector affordable homes campaign

OPPORTUNITY STARTS AT HOME OSAH HOSTS PANEL CONGRESSIONAL BRIEFING DISCUSSION AT THE NATIONAL The NLIHC-led Opportunity Starts PRESS CLUB The NLIHC-led at Home (OSAH) multi-sector OSAH campaign hosted a affordable homes campaign panel discussion, “Broadening hosted a congressional briefing the Movement: Housing as a on Capitol Hill on January 14 National Priority in 2020,” at to discuss two major bipartisan the National Press Club on housing bills recently introduced January 16 to discuss the need in the Senate - the “Eviction Crisis to prioritize housing affordability Act” and the “Family Stability and in the national agenda. Panelists Opportunity Vouchers Act,” both included senior leaders from policy priorities of the OSAH the National League of Cities, campaign. The briefing was Catholic Charities USA, Children’s attended by approximately 100 HealthWatch, National Women’s Capitol Hill staffers and advocates. Law Center, and NLIHC. Speakers included Senators Sherrod Brown (D-OH), Chris Van Hollen (D-MD), and Michael Bennet (D-CO); author Matthew Desmond; and other leaders.

ECONOMIC VETERANS HEALTH EDUCATION HOMELESSNESS CRIMINAL PRODUCTIVITY JUSTICE

CIVIL ECONOMIC ANTI- ENVIRONMENT LGTBQ DOMESTIC DISIBILITY RIGHTS MOBILITY HUNGER VIOLENCE

17 NATIONAL LOW INCOME HOUSING COALITION CAMPAIGNS & COALITIONS 87%

viewed importance of having stable affordable housing OSAH RELEASES POLL DATA ON more important during the HOUSING INSTABILITY DURING coronavirus outbreak COVID-19 The Opportunity Starts at Home campaign released the results of a national housing instability public opinion poll that it commissioned through Hart Research Associates. The results of the poll, released on May 29, revealed that Americans from across the political spectrum were deeply concerned about 93% housing instability as a result of the coronavirus pandemic and favored major action from Congress to prevent evictions and homelessness: https://bit.ly/3gEgjhM.

believe government should provide emergency rental assistance to struggling renters due to pandemic 2 in 3 adults express concern about the amount they 90% personally pay for their rent or mortgage

believe government should expand funding for homeless assistance at this time of crisis

2020 ANNUAL REPORT 18 CAMPAIGNS & COALITIONS

OUR HOMES, OUR VOTES: 2020

NLIHC and our partners in the non-partisan – from building affordable homes and rental Our Homes, Our Votes: 2020 project worked to assistance to combatting displacement, racial ensure presidential candidates addressed the discrimination, redlining, and segregation. nation’s affordable housing and homelessness crisis. We educated and met with candidates, Curbed published an article, “Low-income urging them to put forward comprehensive renters are struggling. Here’s how Democrats plans to tackle the crisis; pushed debate plan to help them,” saying, “Democratic moderators to ask candidates for their solutions; candidates for president have released detailed and, in advance of a February debate, worked housing plans that attack the problem from with debate co-sponsor the Congressional a number of different angles, but one policy Black Caucus Institute. During the televised prescription stands out—massive investments debate on February 25, the CBS moderator in the National Housing Trust Fund (HTF)…It’s asked: “How will your policy address and ensure remarkable that the NLIHC has been able to affordable housing and education equity for create consensus among Democratic candidates minimum wage workers?” Six of the candidates that the HTF is the vehicle for alleviating housing talked about their affordable housing solutions costs for the most vulnerable Americans.”

OUR HOMES, OUR VOTES

OURHOMES-OUR VOTES. ORG 19 NATIONAL LOW INCOME HOUSING COALITION TRACKING THE 2020 PRESIDENTIAL CANDIDATES

Michael Bennet (D) Joe Biden (D) Michael Bloomberg (D) Cory Booker (D) Steve Bullock (D) Pete Buttigieg (D)

NLIHC LAUNCHES OHOVOTES: 2020’S “OUR HOMES, OUR VOTES ACT OF 2020” HOUSING PROVIDERS COUNCIL NLIHC With significant input and involvement by organized leading affordable housing providers NLIHC, Representatives Jesus “Chuy” Garcia (D- nationwide, creating an Our Homes, Our Votes IL) and Mary Gay Scanlon (D-PA) introduced on Housing Providers Council, to help the country’s December 9 the “Our Homes, Our Votes Act of lowest-income and most disenfranchised 2020.” The bill would add federally subsidized people participate in the democratic process. housing to the “National Voter Registration The Council consisted of more than 50 housing Act.” Under the bill, public housing agencies providers representing over 700,000 units of administering public housing, Housing Choice affordable housing in 46 states and DC, homes Vouchers, and project-based rental assistance to over one million eligible voters. Leading would be required to add a voter registration participants include Jonathan Rose Companies, option to their forms during lease-up and National Housing Trust, WinnCompanies, to provide new voter registrations to their POAH, McCormack Baron Salazar, The respective secretary of state’s office. Community Builders, NRP Group, Mercy https://bit.ly/2J4dbR4 Housing, Dominium, NHP Foundation, National Church Residences, and Enterprise Residential. https://bit.ly/2OXQilq

2020 ANNUAL REPORT 20 NLIHC, joined by Senators Sherrod Brown (D-OH) and Tina Smith (D-MN), HOUSING Representative Emanuel Cleaver (D-MO), and others, presented Jennifer Leimaile Ho, commissioner of Minnesota Housing; Bill Faith, executive LEADERSHIP director of the Coalition on Homelessness and Housing in Ohio; and Shauna Sorrells, former chief operating officer at the Housing Opportunities AWARDS Commission of Montgomery County (posthumously) with the 2020 Housing Leadership Awards during NLIHC’s 38th Annual Housing Leadership Awards RECEPTION Celebration. The event was livestreamed on Wednesday, August 26. The event was viewed more than 550 times. A recording of the celebration is available at: https://www.youtube.com/watch?v=Y-lwZd8vK60

BILL FAITH JENNIFER LEIMAILE HO SHAUNA SORRELLS 2020 Cushing Niles Dolbeare 2020 Sheila Crowley 2020 Edward W. Brooke Lifetime Service Award Housing Justice Award Housing Leadership Award

Bill Faith...what a great person! My years I commend Commissioner Jennifer Shauna had both a professional and at NLIHC would not have been the same Leimaile Ho on this much-deserved personal mission to end housing poverty. without Bill as my partner all along the recognition. In Minnesota, we believe Her passion and drive, the strength of way. As board member and board chair, that housing is foundational to success. I her voice in support of those with the Bill was a trusted advisor, a dear friend, appointed Jennifer for her strong lifelong lowest incomes, and her daily work all and a source of great humor. Who can commitment to connecting people with demonstrated this commitment. Shauna forget Bill as emcee of the Leadership the health care and housing they need to was one of those rare champions whose Reception [all] those many years? Bill may thrive. She has been an invaluable partner spirit and presence will be missed for have been Cushing’s biggest fan. I know this past year in putting Minnesota on the years to come. she is delighted that Bill is receiving this path to ending veteran homelessness — Marla Y. Newman award in her honor. and expanding housing options that are NLIHC Board Chair affordable and accessible across the state. — Sheila Crowley, PhD, MSW Former NLIHC President & CEO — Tim Walz, Minnesota Governor

21 NATIONAL LOW INCOME HOUSING COALITION NLIHC submitted a comment letter on September Access to safe and secure housing is 21 opposing HUD’s anti-transgender changes to the sometimes all that stands between Equal Access Rule (see Memo, 7/27). NLIHC’s comment transgender people and deadly violence . letter urged HUD to abandon its proposed changes to the Equal Access Rule and ensure protections from discrimination remain for transgender people The Equal Access Rule’s protections against experiencing homelessness and seeking federally funded discrimination are critical to ensure safe shelters. The comment letter was submitted as a part access to shelter for transgender people of the Housing Saves Lives campaign, an effort led by experiencing homelessness, survivors of violence, and fleeing disasters . True Colors United, National LGBTQ Task Force, National Housing Law Project, NLIHC, and over 50 national and local organizations to call on individuals and organizations Protecting transgender people’s access to to submit comments opposing this discriminatory policy. gender specific facilities does not endanger The campaign generated over 66,000 comments, the vast the safety or privacy of others . majority opposing the rule.

2020 ANNUAL REPORT 22 STATE PARTNERS & LEADING OTHER CAMPAIGNS/COALITIONS

STATE PARTNERS

NLIHC continued to support and engage 63 state homelessness and affordable housing coalitions in 43 states and DC in efforts to achieve socially just policies to ensure the lowest-income people have decent, accessible, affordable homes. These NLIHC state partners are vital to NLIHC’s work, regularly mobilizing tens of thousands of advocates around federal policy issues. NLIHC convenes state partner calls (bi-weekly during the pandemic) featuring peer learning, NLIHC research, federal policy updates, advocacy campaigns, NLIHC media toolkits and support, and guest presenters on special topics. NLIHC convenes two more in-depth state partner meetings each year for learning and sharing. In 2020, NLIHC staff presented as keynote speakers, plenary panelists, and workshop presenters at dozens of virtual events hosted by state partners, attended by thousands of advocates.

63 43 4

STATE PARTNERS IN 43 STATES NEW PARTNERS

23 NATIONAL LOW INCOME HOUSING COALITION STATE PARTNERS & LEADING OTHER CAMPAIGNS/COALITIONS

NLIHC LEADS OTHER CAMPAIGNS AND COALITIONS mobilization and advocacy

NLIHC continued to convene and lead a number of other broad-based national policy advocacy campaigns and task forces. The National Housing Trust Fund (HTF) Implementation and IMPACTS OF GOVERNMENT SHUTDOWN ON AFFORDABLE HOUSING PROGRAMS Policy Committee consists of dozens of national JANUARY 24, 2019 he Campaign for Housing and Community Development Funding (CHCDF) urges Congress to end the government shutdown and enact clean, full-year FY19 spending bills for the Departments of partners who work to protect and expand Housing and Urban Development (HUD) and Agriculture (USDA) as soon as possible. TOn December 21, Congress failed to provide FY19 funding for several federal agencies, including HUD and USDA, causing a partial government shutdown. Outlined below are the impacts the shutdown is resources for the HTF, the first new program having on HUD and USDA affordable housing and community development programs: PROJECT-BASED RENTAL ASSISTANCE • Nearly 10,000 of the 17,723 project-based Section (PBRA) 8 properties are insured by the Federal Housing in a generation dedicated to preserving, Administration (FHA). The estimated unpaid • As of January 22, 748 rental assistance contracts balance of the FHA insured debt underlying have expired in December and January (see properties assisted by project-based Section 8 programmatic breakdown below). These contracts contracts is over $13.5 billion. Without sufficient building, and operating homes for the lowest- will affect roughly 27,200 low-income households. Section 8 rental assistance, many projects will fail The number of expiring contracts will increase as and FHA will be left paying the tab. time goes on, as HUD anticipates approximately income people. The Campaign for Housing and 500 additional contracts will expire and be up for Section 202 Housing for the Elderly renewal in January and 550 in February. Without • Contracts that provide ongoing operating additional funding, HUD cannot renew these subsidies to the nation’s almost 6,700 Section contracts or obligate funds – doing so would be in 202 communities are at risk of not being Community Development Funding (CHCDF) violation of the Antideficiency Act. renewed. As of January 22, 272 Section 202 Section 8 Project-Based Assistance contracts have expired. HUD does not have the funding to renew these contracts and has • As of January 22, 221 Section 8 project-based proposed that private owners use their individual consists of more than 70 national organizations rental assistance contracts have expired. The 221 reserves, where available, to cover shortfalls. contracts that HUD didn’t renew will affect around 12,000 low-income households. Roughly two- • Two-thirds of Section 202 communities receive that advocate collectively for the highest possible thirds of these households are elderly or who have ongoing rental subsidies from Section 8 PBRA disabilities; on average, these households have contracts; the other one-third receive subsidies incomes of less than $13,000 per year. HUD is from Project Rental Assistance Contracts determining whether it has any available funds that (PRACs). HUD’s inability to renew Section 8 PBRA federal funding for all affordable housing and could be obligated to renew contracts that expired contracts (see above section) directly impacts in December and January and is working through older adults in the Section 202 program. Both the processing of these contracts to determine PBRA and PRAC need uninterrupted renewals to community development programs. And the what could be signed if funding is available. maintain the nation’s Section 202 homes. • HUD has proposed that private owners use their • The Section 202 program provides affordable individual funding reserves, where available, to housing to about 400,000 older adults with Housing and Criminal Justice Reform Task Force cover shortfalls. average annual incomes of $13,300. • Anything less than 12 full months funding for • Service Coordinators are essential in serving project-based Section 8 contracts will limit a residents who rely on home and community- property owner’s ability to provide supportive based services to age in place. Funded under of more than 20 national housing and civil rights services to their tenants, impede or delay critical the Section 202 Service Coordinator Grants rehabilitation, or possibly increase rent burdens program and PBRA, Service Coordinators are groups advocates for policies that ensure justice- on fixed-income populations. not able to register for Standards for Success or involved individuals can successfully return to – 1 – decent, affordable homes after incarceration.

CAMPAIGN FOR HOUSING AND COMMUNITY DEVELOPMENT FUNDING Support Vital Federal Programs

Help to ensure maximum federal resources for housing and community development.

TAKE ACTION

2020 ANNUAL REPORT 24 MEMBERS & STAFF STAFF DECEMBER 2020

Kyle Arbuckle Josephine Clarke Housing Advocacy Senior Executive Organizer Assistant

Olivia Arena Bairy Diakite Housing Advocacy Operations Organizer Manager

Xavier Arriaga Dan Emmanuel Policy Analyst Senior Research Analyst

Andrew Aurand Ed Gramlich Vice President Senior Advisor for Research

Victoria Bourret Kim Johnson Senior Organizer Housing Policy for Housing Advocacy Analyst

Jen Butler Paul Kealey Director Media Relations Chief Operating and Communications Office

Alayna Calabro Mike Koprowski Policy Analyst Director Multisector –COVID-19 Response Housing Campaign

25 NATIONAL LOW INCOME HOUSING COALITION Joseph Lindstrom Brooke Schipporeit Director Field Housing Advocacy Organizing Organizer

Mayerline Louis-Juste Dan Threet Communications Senior Research Specialist Analyst

Khara Norris Chantelle Wilkinson Senior Director Multisector Housing of Administration Campaign Manager

Noah Patton Renee Willis Housing Policy Analyst Vice President for Field and Communications

Ikra Rafi Rebecca Yae Creative Services Senior Research Coordinator Analyst

Catherine Reeves Diane Yentel Development President and CEO Coordinator

Sarah Saadian Vice President for Public Policy

2020 ANNUAL REPORT 26 BOARD MARCH 2021

Marla Newman, Chair | Dora Gallo, First Vice-Chair | Bob Palmer, Second Vice Moises Loza, Treasurer | Winston-Salem, NC Los Angeles, CA Chair | Chicago, IL Alexandria, VA

Nan Roman, Secretary | Aaron Gornstein, Eric Price, At-Large Cathy Alderman Washington, DC At-Large Executive Executive Committee | | Denver, CO Committee | Boston, MA Washington, DC

Dara Baldwin Staci Berger Russell “Rusty” Bennett | Loraine Brown | Washington, DC | Trenton, NJ Birmingham, AL | New York, NY

Colleen Echohawk Bambie Hayes-Brown | Anne Mavity Karlo Ng | Seattle, WA Atlanta, GA | St. Paul, MN | San Francisco, CA

Chrishelle Palay Shalonda Rivers Megan Sandel Sharon Vogel Mindy Woods | Houston, TX | Opa-Locka, FL | Boston, MA | Eagle Butte, SD | Seattle, WA

27 NATIONAL LOW INCOME HOUSING COALITION MEMBERS special members

2020 ANNUAL REPORT 28 MEMBERS & STAFF

MEMBERS Individual, Lifetime, Organization, Resident Association

Individual

Emily Achtenberg Lauren Asplen Sarah Becker Beth Bower Kimberly Adams Andrea Asprelli Anthony Beckford John Bowles Nayab Ahmad Jeremy Auerbach Jeffrey Beever Diamond Bradford Mehmet Akoglu Marieta Austin Jeff Beever Mary Bradley Cathy Alderman Ren Autrey Pat Behenna J. Matthew Brady Diane Alecusan Victor Bach Christopher Benjamin Joseph Brady Bertram Alexander Patricia Bach Kathryn Bennett Levi Brantley James Alexander Deborah Backus Connie Benton Rachel Bratt Michael Allen Buck Bagot Ben Berg Mayra Bravo Jeffrey Allen Jessica Bailey Victoria Bergland Cary Brazeman Victoria Althoff Sylvia Bailey Dara Bergmann Chrissy Breit Leonardo Altstut Juliet Baker Alethea Bernard Patrick Brennan Gabriel Alvarado Polina Bakhteiarov Nancy Bernstine Judy Brennison Gideon Anders Jerry Bakken Rick Berry Sue Brinkmeyer Sheila Anderson Frank Baldiga Emily Bissell Yvette Brissett-Andre Doris Anderson Dara Baldwin Sharika Bivens Abby Broas Samatha Anderson Declan Barker David Blevins Nancy Brock Natasha Andrade Reggie Barner Clifton Blount Shirley Brockman Eva Anthony Joshua Barnett Jenny Blount Linda Brockway William Apgar Stefanie Barnette Mitchel Blum-Alexander Mary Brooks Michael Appel Laura Barr Nona P Bobb Michael Broughton Kristen Alice Apruzzese Betty Barrett Janice Bockmeyer Mary Brown Daniel Araiza Thomas Barrie Judondi Bolden Loraine Brown Kyle Arbuckle Grace Barrington Audrey Bolesta Shante Brown Charles Arbuckle Janet Barwell Megan Bolton Fredrick Brown Katya Arbuckle Michael Basford Daniela Bonafede-Chhabra Carol Brown Ethan Archibald Mike Basford Theodore Bonaparte Tiffanie Brown Nydra Archie Eric Bason Brandy Bones Sherise Brown Laura Archuleta Daniel Bass John Bonin Marian Brown Ethan Arnheim Derek Battle Jean Bonnes Ebone Brown Deborah Arnold Norma Batts Barry Boothe Bonnie Brudie Chen Zheng Ar-Rashid Georgette Baxter Joan Botwinick Jim Buckley Orlando Artze David Bazell Victoria Bourret Paula Buggage Shruthi Ashok Shana Becerra Lynette Bowden Marijoan Bull

29 NATIONAL LOW INCOME HOUSING COALITION Shannon Burke Randy Clark Kenneth Davis Susae Elanchenny Willie Burrell Josephine Clarke Laura Dawson Jehann El-Bisi Shaylah Burrill Charlotte Clarke John De Taeye Kathleen Elliott Carolyn Burstein Sam Clausi Daniel DeBrucker Candace Ellis Elijah Bush Louise Clemans Karen Degenhart Tina Ellis Yolanda Butler Brenda Clement Sabina Deitrick Charles Elsesser Jr. Tara Byrne Ashley Coates Emmanuella Desruisseaux Dan Emmanuel Michael Cabunsol David Coble Devon Detillion Alexander Erickson Chris Calabro Michael Cocozzo Elizabeth DeYoung Florence Esekielu Alayna Calabro Arnold Cohen Brittany Diaz Bobak Esfandiari Bonnie Caldwell Emily Cohen Lyle DiCarlo Ian Evatt Dora Callahan Rachel Cohen-Miller DeBoRah Dickerson Rae Fagin Amy Callahan Andrew Cohn Bryan Dicus David Falk Steven Callison Ashley Coil Cullen Dilldine Marvin Farbman Michael Campbell Moneca Collins Emily Dixon Joanna Farmer Sharon Campbell Geraldine Collins Rebecca Doggett Sarah Farnsworth William Caplan Pepper Conklin Marlene Doiel Nicholas Fatsis Tim Caplice Kishla Conner Christopher Donnauro Judith Feins Heather Esme Caramello Sarah Constant Shatorah Donovan David Ferrier Jennie Card Jennifer Cook Bill Dore’ Elliott Fields Dorothy Carmack Erik Cooke Kathleen Dorgan Adam Fields Diane Carroll Jelisa Cooper Laura Dorn Anna Figueroa Delores Carter Monica Cooper Natasha Dowell Sarah Figueroa Joseph Carthron Bruce Cordingley Joan Dowling Brooke Finn Denise Caruzzi Kip Corriveau Telissa Dowling Michelle Firmin Vivian Cash Cathy Cortez Marc Draisen Ernie Fischer Janaka Casper Gloria Cousar Peter Dreier Herb Fisher Chris Cassidy Miltonya Covington Joyce Driver Herbert Fisher Ignacio Castaneda Sherry Cox Jessie Dryden Yvette Fisher Nathan Cataline Raymond Kelan Craig Steve Dubb Kevin Fitts Gordon Cavanaugh William Crawley Kathleen M. Dubel Kathleen Flanagan Sonia Chadha Cathy Creswell Henry Dubro Jean Flores Jocelyne Chait Carol Crooks John Ducey Jose Flores Jennie Chamberlin Caroline Croom Susan Duhn Matthew Fochs Jesse Chambliss Rebekah Cross Robbie Dukes Sophie Fontaine Stefanie Chaney Carolyn Crow Paul Dumouchel Sharien Ford Hilary Chapman Melanie Cubilete Barbara Dunn Joanne Forman Edward Chase Holly Cummings Kevin Dwarka Leslie Forrest Katrice Cheaton Kimberly Curtis Casey Dwyer Sarah Fortenberry Yanni Chen Janet Dakan Cassidy Dykstra Rachel Fortney Bridget Childs David Dangler Kent Earnhardt Amy Foster Joshua Childs Nancy Daniell Conrad Egan LaKeeshia Fox Irina Chmeleva Romayne Daniels Laurie Ehlers Debbie Fox Casey Christian Jehangir Dastur Shannon Ehlert Diane Fox Tara Christopher Maggie D’Aversa Sandra Eichorn Michael Francescani Robert Chun Leann Davis Philip Eide Jesula Francois Randy Clack Suzanne Davis Fortunate Ekwuruke Lesly Francois

2020 ANNUAL REPORT 30 Debra L Franklin Laura Griffin Hannah Heartfield Princella Jamerson Gary Frazier Daniel Gross Andrew Heidt Lissa James-Brewington Steve Fredrickson Michael Gross Rochelle Helm Melissa Jaure Merrill Friedman James Grow Mattie Henderson Ronald Javor Andrea Frymire Charlotte Gruen Sharon Hennessey LaMonica Jeffrey Fred Fuchs Joseph Guggenheim Russ Henry Sarah Jemison Jackie Gaff Samuel Gunter Norman Henry Deborah Jenkins Benjamin Gallaher Hillary Gurley Madison Herfurth Jeannette Johnigan Dora Gallo Rinzin Gurung Tony Hernandez Bobbie Johns Dana Gamblin Jacqueline Guzman William Herrera Keenan Johnson Linda Gandee Helen Guzzo Sally Hewitt Kim Johnson Karin Gandler Richard Habersham Gary Hicks Cynthia Johnson Anindita ganguly Chip Halbach Letitia Hickson Blenda Johnson Vincent Gardner Karen Hale Kathie Hiers Jacqueline Johnson Marilyn Garlington Kimberly Hall William Higgins Madeline Johnson Clinton Gasaway Deborah Hallisky Darrell A. Highsmith Mark Johnson Shikeda Gates Jill Hamberg Kerri Hill Nikisha Johnson Ana Gavin Hanaa Hamdi Doris Hill James Johnson Ashley Gendron Clayton Hamerski Saul Himelstein Trevor Johnson Anabel Genevitz Sara Hamideh Andrew Hird Kelly Johnstone Erika Genty Jenna Hampton Eric Hirsch Jerry Jones Matt Gerard Helen Hanes Scott Hoekman Sandra Jones Katherine Gillies Jean Hannon Sean Hogan Monique Jones Martha Globus-Rodriguez Larry Haqq Barbara Holstein Harley S. Jones Justin Godard Carrie Hardage Kaylene Holvenstot Haidee Joy Leslie Godfrey Helen Hardiman Andrew Homer Elizabeth Julian Stephen Golant Elisha Harig-Blaine Annie Au Hoon Katherine Kamp Victoria Gold Marilyn Harris Jessie Hooper Peter Kaplan Laurie Goldman Isaac Harris John Horejsi Thomas Kappner Salvador Gonzalez Timm Harris Melinda Horton Fred Karnas Darlene Gonzalez Chris Harrison Celeste Howard Scott Kealey Silvia Gonzalez Justin Harrison Yvonne Howard Samuel Kealey Felicia Gordon Julianne Hartmann Maureen Howard Paul Kealey Yolanda Gordon Layla Hartz Pamela Hubard Claire Kealey Laurie Gould Wesley Harvey Chris Huffman Marta Kealey Ruth Gourevitch John Hassett Young Hughley Jr. Joanne Kearns Karla Graham Adriana Hastie Lawrence Hui Stanley Keasling Ed Gramlich Jasemen Hatcher judy hunter Larry Keating Lucy Grant Lynn Hatfield Eleanor Hyman Justin Keenan Nicholas Gratto Shaun Haugen Cilisa Irvin Hal Keller Dale Gravett Paula Hayes Daniel Issing Melody Kelley Jane Green Cora Hayes Trevia Ivey Richard Kennedy Marc Greenberg Bambie Hayes-Brown Helen Jackson John Kerry Emily Greene Ryan Haynes Shanteny Jackson Stefan Kertesz Rosalind Greenstein R. Allen Hays Edward Jackson Melanie Kesner Dakarai Griffin Isabelle Headrick Kelly Jackson Candice Key Tiffany Griffin Jeff Hearne Ilene Jacobs Jill Khadduri

31 NATIONAL LOW INCOME HOUSING COALITION Stephanie Kiehl Tywan Lee Linda Maser Timothy Mills Glenn Killey Jenny Lee Anita Mason Ife Tayo Mims Deborah Kimball Diana Lesko Jessica Mason Bill Minkle Jacob Kinder Lawrence Levine Michael Massey Mehdi Mohammadi Austin King Terri Lewinson Karolyn Maws Tamir Mohamud Chiffon King Roger Lewis Doug Mayer Casandra Monroe Carrie Kingman Nancy Lewis Deb Mayer Rocio Montanez David Kinsey Evan Lewis Kiffany McAfee Matla Montano Marti Kinsley Cambria Lewis Joyce McAfee Stan Moon Karen Kirk Roshundra Lewis Brian McCabe Emery Moore Shaylah Kiser Tiwan Lewis Demetria McCain Sharon Moore Jonathan Klein Jewel Lewis Tom McCasland Gail Morelle Douglas Kleine Florence Limin Bonnie McCormick John Morgan Markus Klimenko Allan Lindrup Dominique McCraney Evelyn Morgan Madeline Knickerbocker Kristin Linehan Sherie McDaniel Fisher Alexis Morris Julia Knight Jeffrey Lines Ruth McDaniels Linda Morris Zella Knight Paul Linet Scott McDonell Kathryn Morris Kendra Knighten Hershel Lipow Mary McGovern Pamela Moses Martha Knisley Emma Loftin-Woods Tracy McGowan Trina Moulden Robert Koehnke Michelle Lofton Ellen McLaughlin Jill Moyer Jamison Koeman Lisa Logan Cherie McLaughlin Omar Muhammad Valerie Kolb Ronald Logan Catherine McManus Rasta Muhammad Vera Kolpakova Edward Lollar Anita Mcmurtrey Patricia Mullahy Fugere James A. Krauskopf Temeka Long Larry McNickel Lhorna Murray Ezra Krieg Andrea Long Larry McNickle Brittany Muscato Aaron & Sarah Kriegel Gamaliel Lopez Janis McQuarrie Stephanie Myles Elan Kriegel Charles Lotzar Caroline Meehan Shekar Narasimhan Amber Krueger Hilary Lovelace Brady Meixell John Nelson Megan Kurteff-Schatz Charles Lowery Esther Mercado-Pitts Kathryn Nelson Penelope Kyritsis Moises Loza Willie Merritt Robert Nelson Chelsea Laggad Christine Luke Renee Meschini Stephen Newman Eliane Lakam Leslie Lutge Benjamin Metcalf Marla Newman Martha Lamar Cynthia Lutz Bob Van Meter Corliss Newsome Leslie Lambert Carrie Madden Evalyne Metuge Karlo Ng Lee Ann Lands Tara Madison Marie Meza Dustie Nitcher Shahara Lane Tyler Maffia Jake Mihalak David Nollman Frank Lang Sheila Maith Robert Mihara Mary-Pat Noonan Lynn Langton Jeanne Majors Laurie Mikva Katelin Norris Jacki Langum Ninarose Maldonado Isaiah Milbauer Khara Norris Nick Large Jessica Mangold Dwight Miles Ruth Ann Norton Jessica Larson Kathy Mank Imogene Miles Eric Novak Daniel Lauber Cassie Mann Bill Miller Gensing Nunerley Craft Thomas Lauderbach Mary Manuel Edward Miller carminda nunez Bob Laux Maureen Markham K. Tyler Miller Dan Oates Rea Layne Leah Markovich Zack Miller Randall O’Connor Barbara League Aurora Martinez Charles Miller Kevin O’Connor Josh Leak Krystal Marx Jennifer Miller Molly O’Day

2020 ANNUAL REPORT 32 Joshua Odetunde Joni Peterson Terry Reece Elaine Rosas Keryn ODonnell Jonathan Petty Marsha Reese Karen Rose Vincent O’Donnell Craig Philip Catherine Reeves Marcia Rosen Jidith Ogle Pamela Phillips Carol Reid Jeremy Rosen Ann O’Hara Marvis Phillips Richele Reiske Robert Rosenberg Bridget Oleksy Nichole Pick Karen Reside Dina Rosin Veronica Olivares-Weber Katherine Pickering Kathleen Revene Amber Ross Gary Olsen-Hasek Eileen Piekarz Rebecca Rhoads Marc Ross Miller, Ph.D. Barbara Olson Daniella Pierre David Rich Herbert Rubin Jennifer O’Neil James Pierson Taneeka Richardson Paul Ruchinskas Adrianna O’Neill Shelton Piland Shea Richland Valerie Rynne Cleo Orieles Winton Pitcoff Steven Richmond Andres Saavedra Lena O’Rourke Joe Pitts Jeffrey Riley Andres Saavedra Ramiro Ortega Rd Plasschaert Lafonda Riley Jones Denise Sabar Karl Ory Bill Pluta Jerry Rioux Robert Sabel Alison Owens Jerry Poje Sara Rippentrop Joyce Sacco Jaclyn Pacejo Stephanie Pokorney David Ritter Deborah Samuels Nathan Paco Vickie Poland Lily Ann Ritter Megan Sandel M.D. Mary Paden Olga Pomar Amy Ritter Henry Sandman Deborah Padgett Olga Pomar Zoila Rivera Avila Phyllis Sanford Betty Pagett Dustin Pooler Shalonda Rivers Mila Santana Laurence Pagnoni Susan Popkin Nora Roach Richard Santangelo Mary Joy Palado Barbara Poppe William Robbins Sonya Sappington Diana Parisy Stuart Poppel Esquire Rosalind Robinson Barbara Sard Joonhwan Park Morgan Potts Brittany Robinson Deborah Sargent Hallie Parker Dana Preston Mary Robinson Anushka Sarkar Matt Paschall Doreen Price Alice Robinson Jon Savitt Claver Pashi Kyle Prior Emily Robinson Yengkong Sayaovong Jennifer Pata Steven Proctor Joanne Robison Laura Sayen Pamela Patenaude Gregory Provenzano Mattie Roby Breanna Scarborough Aimee Patras Jo Kathryn Quinn Jon Rocha Michael Schad Esther Patt Wynn Radford III Sarah Rodriguez Paul Schadewald Debra Patterson Nikki Rainey Rebecca Rodriguez Kim Schaffer Christine Paul Laura Ramos Danny Rodriguez Lucy Schapiro Richard Paul Amanda Ramsdell Marge Rogatz Michelle Scheffel Greg Payne Angela Randall Rachel Rogers Robert Schertzer Laurence Pearl Rob Rankin Natalie Rogers Kim Schipporeit Shani Pearson Nancy Rase William Rohe Paul Schissler Carmela Pellicci Hasson Rashid Michael Rohrbeck Erika Schmale Domingo Pena JR Ratliff Florence Roisman Lloyd Schmeidler Sherri Pendlebury Christian Rautenstrauch Nicole Rolfe Andrea Schmidt Nathan Pereda Vikram Ravi Kelvin Rolling Russell Schmunk Antonio Perez Zofia Rawner Ashley Rollins Donna Schnell Judy Perlman Anne Ray Nan Roman Sarah Schoefield Wimberley Brian Peters Mimi Rayl Wilfred Romero Alex Schwartz Evan Peters Mike Reagan Samuel Romero Lindsay Scola Lorna Peterson Timothy Reagen Tanya Roque Rev. Kathryn Scott

33 NATIONAL LOW INCOME HOUSING COALITION Sacsheen Scott Tracey Snipes Keionte Thigpen Shannon Washington Ginger Segel Marta Solomon James Thomas Tina Washington Greta Seidman Scott Sommer Bradley Thomas Thomas Waters Kuango Seilah Timea Soos Rachel Thompson Magnolia Waters Nashid Shakir Shauna Sorrells Kathryn Thompson Yvonne Watkins Jonathan Shambare Joanna Spear Linda Thompson Kathy Watkins Brad Shapiro Martha Spieker Karen Thompson Stephanie Watkins-cruz Tim Shaw Jessica Spratt Kaye Thompson Gladys Watson Jeanne Shaw Jaeger Spratt Chris Times Nadine Watson Aaron Shaw Snotti St. Cyr Allan Timke Martha Weatherspoon Eileen Shaw Julie St. Jean Gustavo Tinoco Jerry Webster Mary Ellen Shay Alex Stamm John Toigo John Weicher Patrice Shelton Yvette Stanley Rebecca Tone Fred Weil Samuel Shepherd Curtis Stauffer Joseph Toney Bobby Weinstock Bill Shields Jr. Roschel Holland Stearns Francis Torres Joseph Weisbord Sharon Shields Michael Steele Jasmine Torres Stephen Weiss Marybeth Shinn Craig Stevens Lena Townsend Tabitha Wellsandt Jill Shook Caroline Stevenson Vannessa Trahan Bruce Whealton Josh Shumaker Carol Stewart Amy Traylor Lyman Whelan Kristin Siglin sean stewart Arielle True-Funk Eleanor White Christine Siksa Alexandra Stewart Tracy Tucker Tori White Michael Simmons James Stockard Jr. Rose and Dave Tully N’Kyrah White Harold Simon Christina Stocks Susan Turci Evian White De Leon Sarah Simoneau Caroline Stokes Barbara Turk Chandra White-Cummings Sarah Simpson Lindsey Stranc Kathleen Tyler Rhachelle Whittington Bob Simpson Leslie Strauss David Upton Christina Whitworth Joanna Simpson-Abel Sarah Stryhn Jennifer Uria Dorinda Wider Erin Sims Jason Stubblefield Kelsie Utz John Wilkes Nakia Sims Viola Stukes Vanessa Vaile Zelda Williams Christina Sin Ashley Stupak Lawrence Vale Richard Williams Colleen Sinsky Paul Sussman Joe Vallely Chris Williams Mary Skees Francine Sutton Mallory Van Abbema Kristi Williams Kiyana Slade September Sweet Chris Van Alstyne Ollie Williams DiAnne Slater Deborah Sweredoski Robert Van Meter James Williams Madison Sloan Alexandra Swift Leonor Vanik Tonja Williams Lisa Sloane Toni Symons Valentina Vavasis Angela Williams Shannon Sloat Chelsea Szostak Julie Vigeant Leonard Williams Janet Smith Kathy Szybist Gloria Villatoro Mark Willis Leah Smith Aakash Tandel Michael Wagar Thurston Willoughby Margret Smith Jill Tarkington Cheri Wagner KellyJean Wilmert Julia Smith Scott Taylor Daniel Waldinger Stanley Wilson Nancy Smith Terri Teamer Barbara Walker Jennifer Wiltz Tammy Smith Paul Tecpanecatl Elmia Walker Michael Windle Jovan Smith Mike Thais Linda Walker Shannon Wingate Lillie Smith Sima Thakkar Sue Wallinger Colin Winkler Mildred Smith Brien Thane Rebecca Walter Piper Winkler Lora Smith Hughes Amy Therrien Richard Wankel Evelyn Wolff

2020 ANNUAL REPORT 34 Melissa Womack NFN WORLDMAKER Valerio Zanoli Pablo Zevallos David Wood Sarai Worsham Jessa Zapor-Gray Michelle Zoske Maryn Wood Kriss Worthington Andy Zehe Kevin Zwick Denis Woods Stephanie Wright Zachary Zemmels Melinda Woods Mark Wurzbacher Tatiana Zentner David Wooledge Travis Young Erin Zerbo

Lifetime Members

Bob Adams Helen Dunlap Andrew Mott Karen Hill Mark Allison Moises Loza Terri A.C. Robertson Preddy Ray Janet Becker Belinda Mayo Barry Zigas Rafael Torres Sheila Crowley George Moses Jodie Levin-Epstein

Organizations

202 Partners AHD Management Arizona Department of Bangor Area Homeless Housing Shelter 4 Feathers Development AIDS Foundation of Chicago Arizona Housing Coalition Bangor Housing A Community of Friends Alaska Coalition on Housing and Homelessness Arizona Housing, Inc. Bangor Savings Bank Ability Housing Albuquerque Health Care Arlington Partnership for Bath Housing Access Ventures for the Homeless, Inc. Affordable Housing Bath Savings Institution Accessible Housing Aleutian Housing Authority Asian Green News Resources BCI Management All Home Association of Alaska ADAPT of Texas Housing Authorities Beacon Development Group All Positives Possible Affordable Homeownership Auburn Housing Authority Beekman Advisors Foundation, Inc. Alliance Housing Augusta Housing Bellevue Housing Authority Affordable Housing AME Zion Church of Connections Kingston Avenue Community Benchmark Construction Development Corporation Affordable Housing AMR of Pensacola Bering Straits Regional Management, Inc Avesta Housing Housing Authority Anew Development, LLC Development Corporation African American Alliance for Berks Coalition To End Homeownership Apartments For People LLC Baltimore Regional Housing Homelessness, Inc. Partnership AGM Financial Services

35 NATIONAL LOW INCOME HOUSING COALITION Berkshire County Regional Central Virginia Legal Aid Housing Authority Committee on Temporary CSI Support & Development Society, Inc. Shelter (COTS) Services Better Homes of Seaford, Century Housing Inc. Community Action Agencies Curtis Thaxter Stevens Corporation Association of Alabama Broder & Micoleau LLC Beyond Shelter, Inc. Ces, Inc. Community Action CWS Architects Bickerdike Redevelopment Partnership of North Champlain Housing Trust Corporation Alabama Del-Mor Dwellings Corporation Champlain Valley Office of Bishop Sheen Ecumenical Community Bridges Economic Opportunity Housing Foundation, Inc. Delray Beach Community Community Development Land Trust Charities Housing Boston Housing Authority Services, Inc. Development Corporation Resident Advisory Board Detrick Household Community Economic Chicago Community Loan Boston Tenant Coalition Development Assistance Detroit People’s Platform Fund Corporation Bowman Constructors Developers Collaborative Chicago Rehab Network Community Economic Development Association of Development Services of Broen Housing Consultants Michigan Children’s Mental Health New England Network Building Performance Community Economics, Inc. Advisors LLC DHIC, Inc. CHN Housing Partners Community Home Trust Burbank Housing Downeast Community Christa Construction Development Corporation Partners Community Housing Citizens’ Housing and Improvement Program California Affordable DreamKey Partners Planning Association, Inc. (CHIP) Housing Law Project Drummond Woodsum City of Commerce Community Housing of California Coalition for Rural Maine Housing Eagle Point Development City of Los Angeles Housing Department Community Housing California Community Partners EAH Housing Foundation City of Portland Dept. of Housing and Neighborhood Community Housing East Bay for Everyone California Housing Finance Partnership Agency City of San Jose Housing East Bay Housing Department Community Investment Organizations California Housing Corporation Partnership Corporation City Wide Community East Central Illinois Development Corporation Community Service Network Community Action Agency California YIMBY Clark Insurance Concern for Independent Eaton Peabody Consulting Camden National Bank Living Group Clarksville Housing Authority Capital Impact Partners Congressional Research Economic Opportunity Council of Suffolk, Inc. Click Notices Service Catholic Charities USA Eden Housing, Inc. Coachella Valley Housing Connecticut Housing Catholics for Housing, Inc. Coalition Finance Authority Eisen and Rome, P.C. Censere Consulting, LLC Coalition For Equitable Connections for the Community Development Homeless Ellington Management Center for Civic and Public Group Policy Improvement (CCPPI) Coalition on Homelessness Cook Inlet Housing Authority and Housing in Ohio Empower Missouri Central Massachusetts Copper River Basin Regional Housing Alliance, Inc. Coastal Enterprises, Inc. Housing Authority Encourage Millions Central Minnesota Housing Collaborative Solutions Council of Large Public Evangelical Lutheran Church Partnership Housing Authorities in America, Washington Colorado Coalition for the Central Virginia Housing Homeless Credere Associates LLC Fahe Coalition

2020 ANNUAL REPORT 36 Fair Housing Center of Homestead Affordable Human Development Central Indiana Greater New Orleans Housing, Inc. Services of Westchester, Inc. Housing Alliance Fair Housing Council of Hope Whispers Community Idaho Housing and Finance Northern New Jersey Greater Syracuse Tenants Organization, Inc. Association Network Fair Housing in Huntington Housing & Community Idaho Voices For Children Guste Homes Resident Development Network of Family Promise of Greater Management Corporation New Jersey Illinois Housing Council Des Moines Habitat for Humanity Greater Housing 2020 Publishing, Inclusive Communities Father McKenna Center Portland LLC Project Florida Housing Coalition Habitat For Humanity of Housing Action Council Champaign County Inclusivity Institut Florida Legal Services Housing Action Illinois Habitat for Humanity of Inter-faith Housing Alliance Florida Supportive Housing Florida, Inc. Housing Action NH International Network of Coalition Street Papers HAI Group Housing Alliance of Focus Strategies Pennsylvania Hamilton County Iowa Housing Partnership Forsyth Street Advisors Area Neighborhood Housing Authority of Cook Jensen, Baird, Gardner & Development County Henry Fort Fairfield Residential Development Corporation Hanover Safe Place Housing Authority of the City John Anton Consultant of Austin Foundation Communities Harlingen Community Justice in Aging Development Corporation Housing Authority of the City Four Directions of Milwaukee Kaplan Thompson Architects Development Corporation Hawaii Appleseed Housing Authority of the City Kevin Dwarka, LLC Freeport Housing Trust Haymarket Neighborhood of Santa Barbara Association Krumm Household Fresno Housing Authority Housing Catalyst HDC MidAtlantic L.A. Family Housing Funders Together To End Housing Choice Partners of Homelessness Healthy Androscoggin Illinois, Inc. Lassel Architects Gaithersburg Payment Vision Hill District Consensus Group Housing Development Center Leading Age Maine & New Hampshire Ganneston Construction Hinesville Housing Authority Corporation Housing Development HOM, Inc. Consortium of Seattle/King Legal Aid Justice Center Gauche & Rosenthal County Home Forward Lewiston Housing Authority Gawron Turgeon Architects Housing Development Fund, Home Is The Foundation Inc. Long Island Housing Services General Board of Church & Society of the United HOME Line Housing Initiatives of New Methodist England Loudoun County VA Health Home Opportunities Made & Human Services Georgia Advancing Easy, Inc. Housing Leadership Council Communities Together Louisiana Fair Housing Homeless and Housing Housing Network of Rhode Action Center Gladwin City Housing Coalition of Kentucky Island Commission Louisville Metro Homeless Services United Housing Oregon Government, Office of Housing Goldstein Hall Homeownership Institute Housing Vermont Low Income Housing Granite State Organizing (DHCD) Coalition of Alabama Project HousingLOUISIANA Homeport by Columbus Lowe Enterprises Real Estate Great Falls Construction Housing Partnership HousingWorks RI Lower East Side Coalition Great Plains Housing Homes in Partnership, Inc. Houston Center for Housing Development Authority Independent Living

37 NATIONAL LOW INCOME HOUSING COALITION Lyncrest Group Minnesota Housing Nevada Housing Coalition Oklahoma Coalition for Partnership Affordable Housing Machias Savings Bank Nevada Rural Housing Minot Area Homeless Authority One Stop Career Center Maine Affordable Housing Coalition of PR Coalition New Destiny Housing Miriam’s Kitchen Corporation Open Communities Maine Association of Public Housing Directors Monarch Housing Associates New England Resident Open Up Owned Communities Maine Equal Justice Partners MT Housing Coalition (NEROC) Otis Atwell

Maine Immigrants’ Rights Murray, Plumb & Murray New Mexico Coalition to PathStone Corporation Coalition End Homelessness Mutual Housing California Pennsylvania Developers’ Maine Real Estate Managers New River Community Council Association Nancy S Rase Consulting Action Services, LLC Penquis CAP, Inc. Manufactured Home Owners New York City Housing Association of New Jersey National Advocacy Center Development Corporation People’s United Bank

Maryland Affordable National Alliance of HUD New York Housing Philadelphia Association of Housing Coalition Tenants Conference Community Development Corporations Maryland Department of National Church Residences New York State Rural Disabilities Advocates Piedmont Housing Alliance National Health Care for the Massachusetts Housing Homeless Council New York State Rural Pine Street Inn Investment Corporation Housing Coalition National Homelessness Law Plymouth Housing Group Massachusetts Housing Center NEWCAP Inc. Partnership PM Advisors LLC National Housing Non Profit Housing Massachusetts Union of Conference Association of Northern Polk County Housing Trust Public Housing Tenants California Fund National Housing Law Mazaska Owecaso Otipi Project Northeast Colorado Portland Housing Authority Financial Housing, Inc. National Indian Council on Preble Street Resource Mental Health America of Aging Northeast Ohio Coalition for Center West Central Indiana the Homeless National NeighborWorks PretiFlaherty Metro Housing Boston Association Northeast Rental Housing Princeton Community Metropolitan Interfaith National Network to End Northern Nevada Center for Housing Council on Affordable Domestic Violence Independent Living Housing Prosperity Indiana National Women’s Law Northern New England Housing Investment Fund Metropolitan St. Louis Equal Center Public Housing Youth Housing and Opportunity Academy Council Nebraska Housing Northern Virginia Affordable Housing Alliance Developers Association Quadel Consulting and Metropolitan Tenants Training Organization Neighborhood Housing Northgate Residents’ Ownership Corporation Services of San Antonio Raise-Op Housing Meyer Memorial Trust Cooperative Neighborhood Partnerships Northwest Pilot Project Miami Valley Fair Housing Real Estate Education and Center Neighborhood Preservation Norway Savings Bank Community Housing, Inc. Coalition of NYS Michigan Coalition Against Occupancy Solutions Region Nine Housing Homelessness Neighborworks Montana Corporation Office of the D.C. Tenant Mid-Peninsula Housing Network For Oregon Advocate Regional Housing Network Coalition Affordable Housing of Massachusetts Oglala Sioux Tribe Nevada H.A.N.D., Inc. Partnership for Housing Reinvestment Partners

2020 ANNUAL REPORT 38 Renters Together South Portland Housing The Eagle Point Companies Urban Edge Housing Authority Corporation Resident Owned The Genesis Fund Communities Southeast Michigan Urban Land Conservancy Nonprofit Housing The Housing Foundation Retirement Housing Corporation Utah Housing Coalition Foundation The NHP Foundation Spirit For Change Consulting Vermont Affordable Housing Rhode Island Coalition for The Open Door Shelter Coalition the Homeless St. Clair County Housing Authority The Park Danforth Vermont Housing and Rhode Island Housing Conservation Board St. Vincent de Paul Society of The Public Interest Law Richard Curtis & Associates Lane County Project Vermont Housing Finance Agency Ripple Community Inc. Statewide Independent The Salvation Army National Living Council of Georgia Headquarters Veterans, Inc. Rockwall Housing Development Corporation Sunrise Opportunities The Sparhawk Group Virginia Housing Alliance

Rondo Community Land Superior Housing Solutions The Wishcamper Virginia Supportive Housing Trust Companies, Inc. Supportive Housing Volunteers of America of Sacramento Housing Association of New Jersey Through These Doors Northern New England Alliance Supportive Housing Network Toolbox Creative Wake Partnership to End Sacramento Housing and of New York Homelessness Redevelopment Agency Total Construction Supportive Housing Works Management Washington Low Income Safe Harbour Housing Alliance TD Bank Branch of Portland, Town of Chapel Hill Salazar Architects, Inc. ME Washington State Housing Town of Hamburg, New York Finance Commission Sanctuary in the Ordinary Tedford Housing Transition Projects, Wesley Housing Sanford Housing Authority Tenants & Neighbors Incorporated Development Corporation

Santa Monica Forward Tenants Union of Washington Trinity Church Wall Street West Bank Community State Development Corporation SaveSolar Twin Pines Housing Trust Tenderloin Neighborhood Westbrook Housing Sea Coast Management Development Corporation Two Rivers-Ottauquechee Company Regional Commission Western Massachusetts Tennessee Affordable Network to End Self-Help Enterprises Housing Coalition United Native American Homelessness Housing Association SFF Consulting Group Texas Association of Westgate Housing Community Development United Way of Greater Shalom House, Inc. Corporations Portland Wisconsin Partnership for Housing Development, Inc Shelborne Development Texas Homeless Network Uniting Citizens for Affordable Housing in Wright-Ryan Construction Silver Street Development Texas Housers Newton Corporation York County Community Texas Tenants Union Upper Valley Haven Action Corporation Sota Construction Services, Inc. The Arc of North Carolina Urban Economic York Housing Authority Development Association of South Carolina Association of The Caleb Group Wisconsin YOUnity Village, LP Habitat Affiliates The Clancy Company Zachau Construction

39 NATIONAL LOW INCOME HOUSING COALITION Resident Associations

Alabama Fair Housing Highland Gardens Resident New Jersey Tenants Sarasota Housing Authority Network Organization Organization Agency-Wide Resident Council Alexander Tenants Honoring Your Sobriety NYCHA Resident Advisory Association, Inc. Group Living Board The Chilton Towers Resident Association Alliance of Cambridge Integrated Service LLC Outsiders Inn Tenants The Real Kingston Tenants J-RAB Jurisdiction-Wide Partners In Healthy Union BWA Connections Resident Advisory Board Communities United Tenant Council of Community and Housing Link and Lease Public Housing Association Councils Initiatives Corporation of Residents (PHAR) Medgar Evers Tenant Vicksburg Housing Authority District 6 Community Association Resident Board Association Resident Council, Inc. Planners Minneapolis Highrise Resident Council Westgate Tenants East End YIMBY Representative Council Residents Association of Association Good Samaritan League Morningside Heights Lafayette Gardens Wisconsin Housing First Multicultural Tenant Greenhouse Tenant Council Rutgers Houses Resident Coalition Organization Association Harpia Eagle LLC Women Helping All People

2020 ANNUAL REPORT 40 GENEROUS SUPPORT & DONORS

NLIHC is grateful for the generous support of all our donors, without which our work would not be possible.

$500,000 +

$200,000 to 499,999

Loud Hound

$100,00 to $199,999

41 NATIONAL LOW INCOME HOUSING COALITION $50,000 to $99,999

$10,000 to $49,999

BRIDGE Housing Federal Home Loan Banks Mercy Housing, Inc. Preservation of Affordable Corporation Housing Homes for America NeighborWorks America Chris & Melody Quontic Bank Malachowsky Family Fund Jennine Williamson and New York City Housing John A. Fitzgerald, Jr. Authority Surdna Foundation Campion Foundation JPMorgan Chase & Co Ohio Capital Corporation Tennessee Housing Elderly Housing for Housing Development Agency Development & Operations Local Initiatives Support Corporation Corporation PNC Bank Volunteers of America, Inc.

$5,000 to $9,999

Baltimore City Department Low Income Investment National Equities Fund Trust JQW Fund of Housing and Fund Community Development NMI Holdings, Inc. University of Florida Mariner Investment Group, Federal Home Loan Bank LLC Technical Assistance Webster Giving Fund of Dallas Collaborative National Alliance to End Klein Hornig Homelessness The New York Community

$1,000 to $4,999

Knock.com Barbara Poppe and James Bordenave Cinnaire Corporation Associates AGM Financial Services California Housing Finance Citizens’ Housing and Tal & Irene Basloe Saraf Agency Planning Association, Inc. Umadevi Anandakrishnan Bellwether Housing Cambridge Housing Clement Household William Apgar Authority Benevity Fund Columbus Metropolitan Atlantic Pacific CHN Housing Partners Housing Authority Communities Bluestone Family Fund

2020 ANNUAL REPORT 42 GENEROUS SUPPORT & DONORS

Community Economics, Hal Keller Association Cassandra Newkirk Inc. William C. Kelly Jr. National Association Ann O’Hara & Steve Day Council of Federal Home of Affordable Housing Loan Banks Edmund Klimek Lenders Kevin Oberdorfer

Sheila Crowley & Kent Peter Kovar National Association Oregon Housing & Willis of Housing and Community Services Gregory Kraus Redevelopment Officials Helen Dunlap Pennsylvania Housing Dr. Lee and Mrs. Beverly National Church Finance Agency Federal Home Loan Bank Learman Residences of Boston Public Housing Authorities Dora Leong Gallo National Community Directors Association Salise Gomez Reinvestment Coalition Carolyn & Philippe Naomi Rosenfeld Elizabeth Grossman Marguet National Council of State Housing Agencies Jason Sanabia Hawkins, Delafield & Wood Maryland Department of Housing and Community National Housing and Jack Stewart Holland & Knight, LLP Development Rehabilitation Association Telesis Corporation Chris Hornig Jake Mihalak National Housing Trust The Blackbaud Giving Housing Policy Council Melvin Miller National Leased Housing Fund Association HRI Properties Mission Title Agency The Fink Family Fund National Urban League Idaho Housing and Rachael Myers The Michaels Organization Finance Association Kathryn P. Nelson National Affordable The Norcliffe Foundation Paul Jargowsky Housing Management Network for Good

$500 to $999

Mark Allison Caroline Gaudet Andrew Kirell Sarah Norman

American Endowment Mark Havener Margot Kushel Peter O’Connor Foundation Carla A. Hills Daniel Lew Randy Shaw David Bazell Kathleen Hobson Judith Liben ShelterhouseRod Solomon Beekman Advisors Scott Hoekman Kurt Louis Byron & Lee Stookey Katherine Brown Mark Holleran Laura Matuszek Umar Syed Ellie Burke Housing Authority of the Robin Metalitz Lydia Tom Jim Cain City of Milwaukee Michael Noble Family Heather K. Way Bonnie Caldwell Everyday Industries Charitable Fund Amy Wholihan Hilary Chapman Timothy Jorgensen Philip & Ruth Moser

Coan and Lyons Peter Kaplan Nathan Tannenbaum Foundation Jerome Friedman Paul & Marta Kealey

*NLIHC Member 43 NATIONAL LOW INCOME HOUSING COALITION $100 to $499

Suzanne Acker Stephen Cerny Jean Gottlieb Charles Klein

Angela Aidala Patrick Costigan Peter Grace Martha Knisley

Christopher Albrecht Cramer.Crystal Great Lakes Community James A Krauskopf Action Partnership Shannon Allen Ruth Crystal Karin Kubischta Ellen Grober Erin and Daniel Allison Olive Cupal Charlie Kupperman Johanna Gullick Daniel Amodeo Mark Curtiss Katharine Landfield Kacie Hackett Karen Amy Jeanne Daniele Karl Lauff David Haddad Gideon AndersArdeth C. Elizabeth de Forest David Leber Andrews Amy Hall Russell Derry Ellen Lewis Christopher Arce Lisa Hasegawa Rueith Diamond Loop & Tie Avesta Housing Justin Hauter Development Corporation Patrick Donovan Kenneth G. Lore Richard Hayes Steve Badger Bob Dorsett Bruce Luecke Isabelle Headrick Susan G. Baker John Ducey Sarah Luken Alex Helsinger Betty Barrett Hannah Dueck James Mahoney Brent Hepp Benjamin Batorsky Leslie Ebert Maine Affordable Housing Mat Herman Coalition Emily Bergman Peter Edelman John Horejsi Manufactured Home Alice Bergman Daniel Ehrenberg Owners Association of Housing Initiatives of New New Jersey Fred Berry Robert Elliott England Steve Markbreiter Justin Bowyer Susan Fainstein Humility of Mary Housing April McMahon Nanci Bramson Fannie Mae Corporate Thomas Hunt Giving Program Heather McMillen John Brandenburg Dan Immergluck Federal Home Loan Bank Connor Mooney Richard Brewer of San Francisco Carla Javits Andreanecia Morris Linda Brockway Cindy Flaherty Gabe Joselow Beth Morrow-Lonn Alexandra Brown William Forster Nicolas Karr George Moses Destiny Brown Michael Francis Rachel Kassenbrock Andrew H. Mott Janet Burati Martin Friedman Kay Keller Thomas Mumford Carolyn Burstein Frontstream Kentucky Housing Corporation Richard & Mary Muniz Hannah Cabullo Lindsay Gabrielson Sarah Kernochan Joanne Nathans Nico Calavita Laurie S. Goldman Theresa Kim Marla Y Newman Heather Esme Caramello Matthew Goldstein Katie Kitchin Duyen Nguyen Roger Catlin Joseph Gormley

2020 ANNUAL REPORT 44 GENEROUS SUPPORT & DONORS

Eric Novak Danielle Rementer Janet Smith Paul Weech

Vincent O’Donnell Estelle Richman Jordan Starkenburg Joseph Weisbord

Linda Oppenheim Alicia Ridenour Shirene Starn Tapyrik Amy Crumpton & Steven Weiss Mary O’Doherty Alethea Roche Chris Steinbaugh Leslie Wellbaum James Pappas Michael Rohrbeck Alexander Stone Carol Wilkins Anne Pasmanick Constance Roller Maria Stoyadinova Genevieve Williamson Nicole Pavlin Tara & Dan Rollins Robert Stromberg Denise Wise Laurence Pearl Gay Russell-Dempsey Isaac Struhl Marian Wiseman Dan Pearlman Douglas Ryan Dustin Sullivan Clare Bauman and Larry David and Laura Pels Jonathan Rydburg Eva Tafoya Woodbridge

Peoples’ Self-Help Housing Taylor Salditch Joanne Tang Denis J. Woods Corporation Jim Schaafsma Margaret Taylor Robert Wright Saralyn Peritz Teryl Scott Karen Paup Lydia Wukasch Jane Peterson George Sincox Brien Thane Wyatt’s Real Estate & Mary Ellen Polson Appraisal Service Sarah Singer Michael Treglia Homer Price Haedeuk Yae Kahmari Singleton Clifford Vickrey Michael Ramelb Cynthia Yap Christina Sin Alice Walther Diane Randall and Roger Alan Zibel Catlin Sisters, Servants of the Sue Watlov Phillips Immaculate Heart of Mary Herbert Ziegeldorf Grey Register Gregory Watson Ellen Skinner Tricia Reichert Travis Watters

$99 and under

Mark Abel Jacob Astroski Grace E Bileta Jennifer Butz

ActBlue Charities Autism Housing Network Jeni Birnbaum Rose Cettina

David Albers Nikki Bahl Marcela Bodkin Blake Chambliss

Jeffrey Allen Sarah Beasley Elaine Brady Donald Clark

Jack Alpert Karl Becker Brian Brazil Margaret Clay

Amazon Smile Jeff Beever Chrissy Breit Jonda Clemings

Donna Ambrose Jeffrey Beever Michael Briese Amanda Clemmer

America’s Charities Beth Belton Tim Brown Nicola Collett

45 NATIONAL LOW INCOME HOUSING COALITION Jennifer Cruz Dan Gurmankin Jolene Lester James OFlarity Siyabonga Sithole

Michael Culbertson Bryan Hamaker David Lillyman Paige Panek Lisa Sloane

Cheryl Denny Rebecca Hantman Allan Lindrup Kathryn Pettit Richard Smith

Kathleen Desmond Kathryn Hexter Amy Love William Phillips Michael Stewart

Nicole Donato Matthew Hinkle Michele Lucas Aimee Pierce Edward Stilson

Roger Doyle Aaron Hoffman Rosalyn Lueck- Margaret Pillsbury Fotini Stylianopoulos Mammen Jamie Dugas Karen Holtrop Allan B. Pintner Sedora Tantraphol Sydney Maccubbin Helene Dujardin Dani Hsia Darius Price Jacob Throwe Michelle Madden Toya Ejike Spencer Hurley Propagate, LLC Clifford Treese Michaely McCormack Maya Elliott Carlos Inguito Hasson Rashid Andrej Tusicisny Taylor McGarry Emily Feldenkris Alyssa Jadevaia Mary Rios Beritan United Way of Rhode Patricia McMahon Island Kathleen Ferguson Amanda Jeffries Mary Rivers Danielle McNamee Rekha Unnithan Gabrielle Fisher Shaliek Jenkins Virginia Rowland Michael Mellini Roger van der Horst Marina Fisher Ryan Jones Anna Russakoff Michael Mellody Crescentia Volz Christine Fitz Karoline Jones Maia Safani Sarah Menage Bert Voorhees Kyrsten Fordham Travis Jones Lucy Sanders Courtney Merrill Jane Warren Cynthia Friedman Amy Klaben Rachel Schillmoeller Michael Michaud Tresca Weinstein Community Pay it Adrianne Kleckner Emily Schukai Forward Fundraising Ally Miller Marie Werner Hellen Kozel Schultz Family Ruth Gillett Laura Mohler Pamela West Caroline Kralovec- Jonathon Peter Giono Kirchherr Scott Monk Schwarzbauer Frank Wilms

Give inLieu David Kroll Stan Moon Thomas Scott II AJ Wilson Foundation Anna Lantz MXTURE Laila Shabir Meghan Wood James Gonzalski Rea Layne Terra Naught Richard Shlakman Kevin Young Rachel Griffin Pam Lessard Nicholas O’Connor Rachel Singer Cathy Ziska Nicky Grist

As of December 31,2020 2020 ANNUAL REPORT 46 STATEMENT of FINANCIAL POSITION

2020 ASSETS COALITION (C)(3) POLICY CTR C3/C4 ELIM. TOTAL Cash and cash equivalents $4,176,844 $3,142 $4,179,986 Due from Policy Center $100 $(100) $- Grant and other receivables $1,682,872 $1,682,872 Prepaid expenses and deposits $87,371 $2,998 $90,369 Property and equipment, net $401,281 $401,281 Investments $5,535,636 $5,535,636 TOTAL ASSETS $11,884,104 $6,140 2 $(100) $11,890,144 2020 LIABILITIES AND NET ASSETS LIABILITIES Accounts payable and accrued expenses $355,244 $355,244 Grants payable $138,000 $138,000 Due to Coalition $100 $(100) $- Line of credit $1 $1 Capital lease obligation $42,202 $42,202 Deferred revenue $88,805 $88,805 Deferred lease incentive $310,379 $310,379 Deferred rent $325,861 $325,861 TOTAL LIABILITIES $1,260,492 $100 $(100) $1,260,492 NET ASSETS Without Donor Restrictions Undesignated $3,177,179 $6,040 $3,183,219 Board designated as endowment funds $5,535,636 $5,535,636 Total Net Assets Without Donor Restrictions $8,712,815 $6,040 $8,718,855 With Donor Restrictions $1,910,797 $1,910,797 TOTAL NET ASSETS $10,623,612 $6,040 $10,629,652 TOTAL LIABILITIES & NET ASSETS $11,884,104 $6,040 $(100) $11,890,144 2020 OPERATING REVENUE AND SUPPORT Grants and contributions $9,869,495 $99,404 $(99,404) $9,869,495 Annual conference registration revenue $(742) $(742) Leadership awards event sponsorship $385,500 $385,500 Membership contributions $364,675 $364,675 Other $60,602 $60,602 Interest income $67 $67 TOTAL OPERATING REVENUE AND SUPPORT $10,679,597 $99,404 $(99,404) $10,679,597 2020 EXPENSES Program Services/Education $8,505,653 $87,953 $(99,404) $8,494,202 Management and general $416,894 $8,453 $425,347 Fundraising $159,503 $159,503 TOTAL OPERATING EXPENSES $9,082,050 $96,406 $(99,404) $9,079,052

47 NATIONAL LOW INCOME HOUSING COALITION 1000 VERMONT AVENUE | SUITE 500 | WASHINGTON, DC 20005 | 202.662.1530 | NLIHC.ORG