CITY OF TOLEDO FY 2020–2024 CONSOLIDATED PLAN & FY 2020-2021 ANNUAL ACTION PLAN
PREPARED FOR SUBMISSION TO THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
JULY 1, 2020 - JUNE 30, 2025
Wade Kapszukiewicz - Mayor
Rosalyn Clemens - Director Department of Neighborhoods One Government Center, Suite 1800 Toledo, OH 43604
July 10, 2020
Prepared by: Corporate F.A.C.T.S., Inc.
THIS DOCUMENT CAN BE PROVIDED IN ALTERNATIVE FORMAT & TEXT IF REQUESTED
Contents Executive Summary ...... 1 ES-05 Executive Summary - 24 CFR 91.200(c), 91.220(b) ...... 1
The Process ...... 7 PR-05 Lead & Responsible Agencies 24 CFR 91.200(b) ...... 7
PR-10 Consultation – 91.100, 91.110, 91.200(b), 91.300(b), 91.215(I) and 91.315(I) ...... 8
PR-15 Citizen Participation – 91.105, 91.115, 91.200(c) and 91.300(c) ...... 27
Needs Assessment ...... 37 NA-05 Overview ...... 37
NA-10 Housing Needs Assessment - 24 CFR 91.205 (a, b, c) ...... 41
NA-15 Disproportionately Greater Need: Housing Problems – 91.205 (b)(2) ...... 51
NA-20 Disproportionately Greater Need: Severe Housing Problems – 91.205 (b)(2) ...... 55
NA-25 Disproportionately Greater Need: Housing Cost Burdens – 91.205 (b)(2) ...... 59
NA-30 Disproportionately Greater Need: Discussion – 91.205(b)(2) ...... 61
NA-35 Public Housing – 91.205(b) ...... 63
NA-40 Homeless Needs Assessment – 91.205(c)...... 69
NA-45 Non-Homeless Special Needs Assessment - 91.205 (b, d) ...... 73
NA-50 Non-Housing Community Development Needs – 91.215 (f) ...... 76
Housing Market Analysis ...... 79 MA-05 Overview ...... 79
MA-10 Number of Housing Units – 91.210(a)&(b)(2) ...... 80
MA-15 Housing Market Analysis: Cost of Housing - 91.210(a) ...... 85
MA-20 Housing Market Analysis: Condition of Housing – 91.210(a)...... 89
MA-25 Public and Assisted Housing – 91.210(b) ...... 93
MA-30 Homeless Facilities and Services – 91.210(c) ...... 97
MA-35 Special Needs Facilities and Services – 91.210(d) ...... 102 i
MA-40 Barriers to Affordable Housing – 91.210(e) ...... 106
MA-45 Non-Housing Community Development Assets – 91.215 (f) ...... 111
MA-50 Needs and Market Analysis Discussion ...... 120
MA-60 Broadband Needs of Housing occupied by Low- and Moderate-Income Households - 91.210(a)(4), 91.310(a)(2) ...... 131
MA-65 Hazard Mitigation - 91.210(a)(5), 91.310(a)(3) ...... 135
Strategic Plan ...... 137 SP-05 Overview ...... 137
SP-10 Geographic Priorities – 91.215 (a)(1) ...... 139
SP-25 Priority Needs - 91.215(a)(2)...... 151
SP-30 Influence of Market Conditions – 91.215 (b) ...... 162
SP-50 Public Housing Accessibility and Involvement – 91.215(c) ...... 197
SP-55 Barriers to affordable housing – 91.215(h) ...... 198
SP-60 Homelessness Strategy – 91.215(d) ...... 200
SP-65 Lead based paint Hazards – 91.215(i) ...... 203
SP-70 Anti-Poverty Strategy – 91.215(j) ...... 205
SP-80 Monitoring – 91.230 ...... 207
Expected Resources ...... 209 AP-15 Expected Resources – 91.220(c) (1,2) ...... 209
Annual Goals and Objectives ...... 218 Projects ...... 230
AP-35 Projects – 91.220(d) ...... 230
AP-38 Project Summary ...... 234
AP-50 Geographic Distribution – 91.220(f) ...... 269
Affordable Housing ...... 271 AP-55 Affordable Housing – 91.220(g) ...... 271
AP-60 Public Housing – 91.220(h) ...... 273 ii AP-65 Homeless and Other Special Needs Activities – 91.220(i) ...... 276
AP-75 Barriers to affordable housing – 91.220(j) ...... 280
AP-85 Other Actions – 91.220(k) ...... 283
Program Specific Requirements ...... 286 Attachments ...... 293 Citizen Participation Comments ...... 294
Public Notices and Newspaper Ads ...... 302
Legislative Approvals by City Council ...... 336
Alternative Data – HIV/AIDS Cases ...... 350
Grantee SF-424's, SF-424Ds and Certifications ...... 353
Alternate/Local Data Sources – Vacant & Abandoned Units Suitable for Rehab ...... 376
Consolidated Plan TOLEDO iii OMB Control No: 2506-0117 (exp. 06/30/2018)
Executive Summary
ES-05 Executive Summary - 24 CFR 91.200(c), 91.220(b) 1. Introduction
As an “entitlement” recipient of formula grant funds from the U.S. Department of Housing and Urban Development (HUD), the City of Toledo (COT), OH is required to submit a Consolidated Plan under Federal Regulations at 24 CFR Part 91. The Consolidated Plan must be prepared every five years and must be updated annually, via the preparation of an Annual Action Plan for the use of the formula grant funds received from HUD. The formula grant programs received by the City are Community Development Block Grant (CDBG), Home Investment Partnerships Program (HOME), and Emergency Solutions Grant (ESG). These grants are designated for specific activities delineated in this Five-Year 2020-2024 Consolidated Plan submitted by the COT and approved by HUD. The purpose of the City of Toledo’s FY 2020-2024 Consolidated Plan is to assess the City’s housing and community development needs; analyze the City’s housing market; establish housing and community development priorities, goals and strategies to address the identified needs; identify the resources to address them; and to stipulate how funds will be allocated to housing and community development activities. Available resources from the CDBG, HOME, and ESG formula grants, as well as Program Income received and carry over funds for reallocation, will be combined and leveraged with private sector and other public sector funding to address the needs and implement the strategies. The five-year period of the Consolidated Plan is from July 1, 2020 through June 30, 2025 and the grants are administered by the Department of Neighborhoods (DON). The COT is a participant in the Lucas County Continuum of Care (CoC). Also, HUD requires that cities and states receiving federal block grants take actions to “affirmatively further fair housing choice.” The requirement was met through the completion of the 2020 Analysis of Impediments to Fair Housing Choice (AI) and a fair housing action. Based on an estimate of the funding received for FY 2020-2021, the allocation of available funding for the five-year period of the Consolidated Plan is estimated as follows:
• Community Development Block Grant (CDBG) - $37,117,315 • CDBG Program Income - $233,464 • HOME Investment Partnership Program (HOME) - $11,144,810 • Emergency Solutions Grant - $3,163,840 • Additionally, estimated carryforward funding of $4,611,804 in CDBG, $3,670,233 in HOME, and $76,239 in ESG is available for FY 2020-2021
The COT received Neighborhood Stabilization Program (NSP) stimulus grants (NSP1, NSP2 and NSP3). NSP funds are now spent; however, with the receipt of program income, these activities continue. The COT projects $184,462 in unspent NSP program income will be converted into CDBG for the FY 2020-2021. 1
Consolidated Plan TOLEDO
OMB Control No: 2506-0117 (exp. 06/30/2018 In adherence to HUD regulations, the City will allocate at least 70% of its CDBG entitlement award to programs that directly benefit low- and moderate-income (LMI) individuals whose household incomes are at or below 80% of the AMI as determined and adjusted annually. Likewise, the City will set aside 15% of its HOME fund allocation for use by Community Housing Development Organizations (CHDOs) certified by the Department of Neighborhoods.
2. Summary of the objectives and outcomes identified in the Plan Needs Assessment Overview
The City of Toledo has developed its priorities and strategic plan based on an analysis of the data presented in this plan and the community participation and stakeholder consultation process. The City identified the following priority needs and goals for the next five years: 1) expand housing affordability and local development capacity; 2) provide funding to prevent homelessness and provide adequate transitional and permanent housing for special populations; 3) maintain safe and affordable rental housing especially for the elderly; 4) facilitate healthy and attractive neighborhoods through code enforcement, re-use of vacant lots and crime reduction; 5) improve the quantity and/or quality of public facilities; 6) increase public services especially for youth and seniors; 7) expand economic opportunities through job creation, access to employment, and small business/microenterprise assistance, and 8) improve public infrastructure.
Each goal addresses the HUD's objectives and outcomes below.
Objectives: Suitable Living Environment, Decent Housing, or Economic Opportunity
Outcomes: Improve Availability/Accessibility, Improve Affordability, or Improve Sustainability
3. Evaluation of past performance
As a recipient of CDBG and HOME program funds, the City is required to submit at the end of each program year a Consolidated Annual Performance and Evaluation Performance Report (CAPER). The CAPER summarizes the accomplishments of each program year and the progress made towards the Consolidated Plan goals. As noted in the 2018-2019 CAPER, the City has met most of its priority objectives identified in the past Five Year (2015-2019) Consolidated Plan. In many cases, the City exceeded the projected outcomes. Accomplishments are included in the CAPER.
Based on the priorities established, the City continues to place emphasis on providing decent, safe, and affordable housing; elimination of homelessness; the implementation of the Fair Housing Action Plan (FHAP); and assistance with basic needs, such as food and healthcare. In PY2018, the Department’s involvement in housing projects has greatly impacted the vitality and livability of neighborhoods.
2 In addition to the above, the CAPER describes how CDBG funds continue to assist in meeting the needs of LMI persons with activities such as feeding programs, rehabilitation of homes, health services, etc. Furthermore, CDBG funds were used to improve blighted conditions in LMI neighborhoods.
HOME dollars were directed towards: down-payment assistance; tenant-based rental assistance; rehabilitation of owner occupied and rental housing units, with the majority of rehabs dedicated to owner-occupied homes; and special projects such as multi-family and scattered site rehabilitation or new development projects lead by developers and/or local partners.
The DON continues to work with the Toledo Lucas County Homelessness Board (TLCHB) in its efforts towards the prevention and elimination of homelessness in the city of Toledo. ESG funds assisted in making significant progress towards the elimination of homelessness in Toledo. The goal of maintaining the current percentage of persons staying in permanent housing for at least 6 months at 85% continues to be met. Rapid re-housing efforts also continue to be the focus of the Continuum of Care (CoC). PY2018 results for ESG funded programs will be included in the 2018-2019 CAPER.
The City and The Fair Housing Center (TFHC) continue to work with community partners on the implementation of the Five-Year Fair Housing Action Plan (FHAP). The FHAP provides quarterly and annual updates on the action steps that are undertaken to address barriers to housing choice identified in the most current 2020 Analysis of Impediments completed as part of the Consolidated Plan process.
The City continues to further improve efficiencies through the incorporation of additional technology in code enforcement and the funding application process. The Division of Code Enforcement implemented a geospatial information database system using ArcGIS, which compiles data sets for community programming and needs. This data guides the Division to focus program participants in the community and improves efficiency with building a comprehensive plan for participants to follow.
The Department has successfully completed the implementation of an online application process for CDBG and ESG grant funding. In addition, all sub-recipients for CDBG and ESG use the online platform to electronically enter accomplishments and submit request for funds reimbursement.
4. Summary of citizen participation process and consultation process
The City's comprehensive approach to the citizen participation and consultation process is detailed in the City of Toledo's Citizen Participation Plan which was amended to incorporate waivers related to the receipt of Coronavirus Aid, Relief, and Economic Security (CARES) Act and use of virtual public hearings due to the coronavirus pandemic. The City reached out to over 1,000 persons through focus groups, public meetings, in person and virtual public hearings before City Council, resident and agency needs surveys, and a Consolidated Plan Steering Committee made up of a variety of stakeholders. Broader outreach was done through social media, the City’s website, two newspapers of general circulation and two minority community-based papers. The Consolidated Plan and Annual Action Plan were published for the following 30-day comment periods:
Consolidated Plan TOLEDO 3 OMB Control No: 2506-0117 (exp. 06/30/2018) • January 2-February 2, 2020 • March 26 – April 26, 2020 • May 18-June 17, 2020
Copies of the draft plans were posted on the City’s website and hard copies placed at the library and City hall and at various community locations with a sheet for receiving public comments.
Mandatory workshop sessions were held for organizations on January 23 and 24, 2020 seeking to apply for CDBG, HOME, and ESG funding. The meetings were to provide information on the Annual Plan priorities, goals, and allocations, and technical assistance on the application process and requirements.
The City facilitates the participation of low- and -moderate-income residents in the Consolidated planning process. Public Hearings were held in locations accessible to all citizens and the Public Notices advised of the availability of special accommodations upon request. Additionally, if needed, staff or external translators were made available for persons with Limited English Proficiency (LEP) and a TTY number provided for the hearing impaired. Individuals and organizations were invited to attend several stakeholder meetings and public meetings, and to respond to an online survey. At each meeting, attendees were encouraged to participate, provide input, and make recommendations. More details are provided in section PR-10 of this Consolidated Plan.
The City used HUD eCon Planning data, City Reports, community responses, and social services agency input to formulate its priority needs.
5. Summary of public comments
Residents and other stakeholder comments were focused on increasing the supply of affordable housing especially for seniors, housing preservation through repair of owner-occupied single family houses and small rentals, increasing local non-profit capacity and collaboration to improve public services, attracting more investments in affordable rental housing, addressing permanent supportive housing for homeless persons, and improving the efficiency and leveraging of federal grant dollars. The following is a summary of comments:
Best Practices: Finding allocation best practices and how the COT compares to other recipients of HUD grants. How the City could shift from administering 70% of its programs internally and the cost benefit of subcontracting some programs externally such as home repair due to greater efficiency. Non-profit capacity could make external subcontracting challenging. Leveraging CDBG dollars with other funding by only funding 50% of program costs and limiting CDBG to program related staff.
Program Impact: There were several comments on the impact of federal funding in the community and how that impact is being measured and groups being held more accountable for positive outcomes. Need to look at funding process. CDBG funds being thinly spread and need to focus impact through a target neighborhood strategy such as NRSAs. Neighborhood capacity building was highlighted as a way of
4 improving impact. Organizations receiving CDBG funds are not being required to show enough progress., The unification and alignment of priorities was also encouraged. Example: a large amount of CDBG funds is being spent on slum and blight. Housing affordability for renters and special populations as well as home repairs is a high priority need. Need to differentiate priorities among activities selected as high need.
Capacity Building: CDC capacity is a high priority need and funding should be increased in this activity as well as providing training, hiring staff, and providing technical assistance for sustainability. The City has increased its investment in capacity building through a set-aside of $250,000 starting in FY 2019. The City plans to provide grant writing support to non-profits to help them to apply for and leverage other funds.
Transportation: Lack of transportation especially to employment areas was highlighted as a very high priority in the community and has reached a point of crisis. No Countywide transit system limiting access to where jobs exist. Transportation is a systemic issue and trying to fund it from CDBG will be challenging. Need to do best practices research as to how other CDBG grantees address transportation with CDBG.
Leveraging: Local developers need to know what is needed to secure private capital such as LIHTC. Capacity of local developers, City incentives, targeting right (high opportunity), improving applications. Ideas were discussed on how the City can incentivize the private sector affordable housing development such as predevelopment funds, target neighborhoods, creating incentives, using current assets, seeking a LIHTC set-aside for the City of Toledo from OFA. Many partners are investing in neighborhood but little collaboration. The City can lead a comprehensive investment strategy and use of other City resources. Facilitating more collaboration between agencies and partners and how resources can be better combined. Use of a NRSA strategy to plan the combination of private sector and City resources.
Other public comments notes, sign in sheets, and written responses are contained in the unique appendices attached to the Consolidated Plan. Public comments were reviewed and taken into consideration in completing the Consolidated Plan.
6. Summary of comments or views not accepted and the reasons for not accepting them
All comments were accepted and acknowledged, where applicable.
7. Summary
Most of the data tables in the Consolidated Plan are populated with default data from the 2011-2015 American Community Survey (ACS), the 2011-2015 Comprehensive Housing Affordability Strategy (CHAS) datasets, Bureau of Labor Statistics, 2010 Census, Homeless Management Information System (HMIS), and Inventory Management System/PIH Information Center (IMS/PIC). CHAS datasets are developed for HUD by the U.S. Census Bureau based on the ACS. In addition to these data sources, the data is supplemented by current local data to provide greater context as to what is happening in the city.
Consolidated Plan TOLEDO 5 OMB Control No: 2506-0117 (exp. 06/30/2018) The maps provided were created through HUD’s CPD Maps tool. If available more current local data was used in the analysis. The maps are intended to show geographic concentration and distributions and may show some discrepancy with the data tables. However, this does not impact the validity of the analysis.
6 The Process
PR-05 Lead & Responsible Agencies 24 CFR 91.200(b) 1. Describe agency/entity responsible for preparing the Consolidated Plan and those responsible for administration of each grant program and funding source
The following are the agencies/entities responsible for preparing the Consolidated Plan and those responsible for administration of each grant program and funding source.
Agency Role Name Department/Agency
CDBG Administrator TOLEDO Department of Neighborhoods HOME Administrator TOLEDO Department of Neighborhoods ESG Administrator TOLEDO Department of Neighborhoods Table 1 – Responsible Agencies
Narrative
The City of Toledo Department of Neighborhoods is the lead agency responsible for preparing and implementing the Consolidated Plan. The Department is also responsible for administering the expenditures of federal funds received from the U. S. Department of Housing and Urban Development (HUD) and for the implementation of the priorities and goals identified in this plan. The City currently receives entitlement Community Development Block Grant (CDBG), HOME Investment Partnership (HOME), and Emergency Solutions Grant (ESG) from HUD.
To accomplish the priorities and goals represented in this plan, the Department of Neighborhoods will partner with non-profit organizations, for-profit businesses, other City Departments, and local and regional organizations that strive to improve conditions of Toledo residents and neighborhoods.
Consolidated Plan Public Contact Information
Department of Neighborhoods
2020 - 2025 Consolidated Plan
One Government Center, Suite 1800
Toledo, OH 43604
(419)245-1400
Consolidated Plan TOLEDO 7 OMB Control No: 2506-0117 (exp. 06/30/2018) PR-10 Consultation – 91.100, 91.110, 91.200(b), 91.300(b), 91.215(I) and 91.315(I) 1. Introduction
In the development of this most recent Consolidated Plan, the City took a comprehensive approach and consulted with non-profit organizations, government agencies, housing providers, professional associations, neighborhood groups, the local public housing authority, the Fair Housing Center and many other regional and local organizations engaged in housing, health, and community and economic development. Input was solicited through the City's Citizens Participation process which included focus groups, interviews, and completion of online surveys.
A non-profit focus group meeting was held in October 2019 with 43 members in attendance, representing over 25 agency partners. A Consolidated Plan Steering Committee was established to provide input and its members were consulted in developing the plan. This committee was comprised of representatives of a variety of local and regional stakeholders, including those listed below:
• LISC Toledo • Lucas County Land Bank • Toledo-Lucas County Port Authority • Toledo Public Schools • University of Toledo - Jack Ford Urban Affairs Center • Lucas County Veterans Service Commission • Toledo Lucas County Homelessness Board (TLCHB) • First Energy • The Ability Center • 1Matters • Toledo Regional Chamber - Small Business Development Center • Toledo Fair Housing Center • Mental Health & Recovery Services Board of Lucas County • Assets Toledo • University of Toledo - Minority Business Assistance Center • Metro Parks Toledo • City of Toledo Plan Commission
The Steering Committee met in October and November to discuss the consolidated planning process and priority needs. Over 25 individuals were in attendance in October and 51 in November. Several governmental units of the City that administer federal block grants were consulted. The Department of Neighborhoods sent out an agency survey to solicit input on community needs and received responses from 22 agencies.
8 Additionally, the Department of Neighborhoods consulted directly with agencies to elicit input on existing resources and efforts, seeking opportunities to collaborate in improving neighborhood conditions and maximizing delivery of needed services to residents.
Additionally, The Fair Housing Center (TFHC) conducted the Citizen Participation process for the 2020 City of Toledo Analysis of Impediments to Fair Housing Choice (AI) by creating and distributing an online community survey via SurveyMonkey. Over 100 responses were received from community stakeholders, advocates, service providers, and housing industry professionals. TFHC also conducted two focus groups on December 4, 2019 -- one in the afternoon and one in the evening. The focus groups were advertised in print, posted on TFHC's social media pages, and shared via email with TFHC's distribution list. Twenty- three people attended the afternoon focus group session and ten people attended the evening session, representing various sectors of the community. The public hearing for the City of Toledo 2020 AI is scheduled for February 4, 2020.
The City of Toledo analyzed the availability of broad band access to low -income households and the strategies being used to narrow what is referred to as the Digital Divide. A period of 2014 through 2017 was used for the analysis and showed that broadband access in general increased by 28 percent. As of 2017, nearly 80 percent of all Toledo households had access to broadband internet and 89 percent had access to a computer. Households without an internet subscription dropped 53 percent over the same four-year period. The detailed analysis is found in section SP-70 of this Plan.
Provide a concise summary of the jurisdiction’s activities to enhance coordination between public and assisted housing providers and private and governmental health, mental health, and service agencies (91.215(I)).
The City of Toledo continues to promote better collaboration in all housing, health, and related service efforts, and actively partners with local organizations in carrying out activities designed to improve the quality of life for city residents. The City regularly consults with these agencies in the development of plans and opportunities to enhance cooperation and collaboration in the delivery of services to residents. Each year, through the cooperation of major local entities, efforts are aimed at enhancing the coordination between service and housing agencies and private and public sector agencies in order to reduce gaps in service. They include, but are not limited to the following:
• Toledo/Lucas County Homelessness Board (TLCHB) • Toledo Lucas County Port Authority • United Way of Greater Toledo • University of Toledo • Lucas Metropolitan Housing Authority (LMHA) • Mental Health and Recovery Services Board of Lucas County (MHRSBLC) • Lucas County Children's Services Board (LCCS) • Lucas County Veterans Service Commission
Consolidated Plan TOLEDO 9 OMB Control No: 2506-0117 (exp. 06/30/2018) • Lucas County Land Reutilization Program (Land Bank) • Toledo Public Schools • Washington Local Schools • Lucas County • Private Businesses
A continued commitment to these partnerships and collaborations is critical in achieving the desired outcomes for the community. For example, the MHRSBLC provides funding to multiple entities that provide treatment and support services for youth and adults in the public behavioral health system, thereby assisting in alleviating one of the root causes of homelessness. Further, the Department of Neighborhoods works closely with the Lucas County Land Reutilization Corporation (Landbank) to acquire properties for new construction, rehabilitation, land reutilization and demolition to reduce blight conditions and provide additional opportunities for the development of affordable housing. Another example of the effectiveness of the City's collaborations with different community organizations dedicated to improving the housing stock, such as LMHA, community development corporations and other local non-profits, is the improved ability to move projects forward that otherwise would not reach completion due to lack of resources.
Other relationships exist that consist of the business community, faith-based organizations, public service entities, housing providers, foundations, and other community organizations that advocate on behalf of those in need. Increased communication with all community stakeholders will continue to result in more formalized relationships that nurture and promote the City of Toledo's plans and goals.
Describe coordination with the Continuum of Care and efforts to address the needs of homeless persons (particularly chronically homeless individuals and families, families with children, veterans, and unaccompanied youth) and persons at risk of homelessness
The City of Toledo has a strong partnership with the Toledo Lucas County Homelessness Board (TLCHB) which is the lead entity in the Toledo Lucas Continuum of Care (CoC). TLCHB actively participated in the development of the Consolidated Plan through the Planning Steering Committee, as well as active participation in public meetings and hearings during the planning process. The City works closely with TLCHB to address the needs of homeless persons through the provision of housing and services under the ESG and CDBG programs.
The TLCHB assures all components of a successful CoC are in place, including a coordinated intake process, outreach and assessment standards, available supportive services, HMIS data management, emergency shelter, transitional housing, and permanent housing. TLCHB promotes an inclusive and comprehensive planning continuum, including a community wide Congress that promotes and endorses review and input of the community's plan to end homelessness, known as the Community Alliances and Strategic Efforts (CASE) to Prevent, Reduce and End Homelessness Plan.
10 The State of Ohio's Housing Crisis Response Program and the United Way of Greater Toledo's funds are used to leverage Project Home. TLCHB is the project manager which includes Lucas County TASC, FOCUS, and Lutheran Social Services. Project Home is charged with providing financial and support service resources deemed necessary for people to either obtain or maintain permanent housing. Their efforts are focused on those households at imminent risk of losing housing; persons exiting shelter and transitional housing; persons released by public institutions without permanent housing placement; and adequate community response in the areas of housing, education, and employment. The project perfectly demonstrates the benefits of collaborative and comprehensive efforts to end homelessness.
The City of Toledo created a program that will provide rent and utility deposit assistance for special needs populations, homeless persons. Financial assistance is provided for qualified households. Partners include the Toledo Lucas County Homelessness Board, United Way's 2-1-1, Leading Families Home/Beach House Shelter, Lutheran Social Services of Northwest Ohio, and A Renewed Mind. TLCHB administers the program, which provides funds. The efforts are focused on those households at imminent risk of losing housing; those persons exiting shelter and transitional housing; those persons released by public institutions without permanent housing placement; and adequate community response in the areas of housing, education, and employment.
Chronic homelessness is also addressed by the CoC through outreach services and emergency shelters. The Veterans Service Commission also works with the CoC in ensuring veterans and their families are housed. This partnership with the CoC also includes the implementation of the Housing Collaborative Network, modeled after CASE-HPRP which provides re-housing and prevention assistance to those experiencing homelessness.
Through its collaboration with the Toledo Lucas County Continuum of Care, the City of Toledo is engaged in open communication with various institutions including health care, foster care, and correctional facilities to assist persons being discharged from their programs. Additionally, all community institutions have policies stating that individuals are not to be discharged into a homeless situation. The TLCHB informed and educated all community stakeholders on contacting the CoC's Coordinated Access Information and Referral system (housed at United Way2-1-1) if an individual is facing a housing crisis to ensure that persons discharged from institutions do not immediately face homelessness.
Describe consultation with the Continuum(s) of Care that serves the jurisdiction's area in determining how to allocate ESG funds, develop performance standards and evaluate outcomes, and develop funding, policies, and procedures for the administration of HMIS
The City works in conjunction with the Toledo Lucas County Homelessness Board (TLCHB), the lead agency in the Continuum of Care (CoC), for all issues related to the elimination of homelessness in Toledo. The City of Toledo Department of Neighborhoods, in close partnership with the TLCHB, develops and implements the local process for allocating ESG funds. Â ESG funds are allocated by the department in accordance with the requirements of the Homeless Emergency Assistance and Rapid Transitions to Housing (HEARTH) Act of 2009.
Consolidated Plan TOLEDO 11 OMB Control No: 2506-0117 (exp. 06/30/2018) Written standards adopted by the CoC establish policies and procedures to be followed by the individual CoC members in the implementation of the ESG program. The allocation of ESG funds includes the engagement of a Citizens Review Committee (CRC) whose members evaluate applications submitted by area homeless providers and makes funding recommendations to the department.
An explanation of the use of ESG funds is included in the public hearings that are held as part of the Consolidated and Action Plan development process to allow the community an opportunity to provide input on proposed ESG allocations. CoC members are typically present at the public hearings and are aware of the 30-days period to comment on the published draft plans. Additionally, CoC members communicate directly with the Department of Neighborhoods if any issues/concerns arise in the allocation process.
The Housing Collaborative Network (comprised of all funded homeless service providers and members of the Toledo Lucas County Homelessness Board, United Way of Greater Toledo and the Department of Neighborhoods) recommended performance standards and evaluation outcomes for providing ESG and CoC assistance, which include written standards for coordinated assessment, performance indicators and the Project Home re-housing policy. These written standards have been approved by the TLCHB and are included in the attachments to the first year Annual Action Plan.
HMIS funds are also administered by TLCHB in accordance with the HEARTH Act and all data entered in HMIS is regularly evaluated to assess progress towards the elimination of homelessness. The TLCHB maintains open two-way communication with CoC members relative to the use of the system and compliance with the reporting standards for HMIS. Â The TLCHB offers technical assistance as needed to those reporting into the Homeless Management Information System (HMIS).
12 2. Describe Agencies, groups, organizations, and others who participated in the process and describe the jurisdictions consultations with housing, social service agencies and other entities. Table 2 – Agencies, groups, organizations who participated
1 Agency/Group/Organization Lucas County Metropolitan Housing Authority (LMHA) Agency/Group/Organization Type Housing PHA What section of the Plan was addressed Housing Need Assessment by Consultation? Public Housing Needs Market Analysis How was the The Lucas County Metropolitan Housing Authority Agency/Group/Organization consulted (LMHA) was consulted to assist in determining and what are the anticipated outcomes housing needs; how LMHA serves those in need for of the consultation or areas for improved public housing (including people with disabilities); coordination? and plans to meet public housing needs. The Department of Neighborhoods maintains regular communications with LMHA leaders regarding issues related to public housing and its residents. Consultations with LMHA will continue in efforts to provide safe, adequate, and decent affordable housing to low-income individuals and their families, including the rehabilitation and resale of Low-Income Housing Tax Credit projects that have ended their 15-year compliance period. 2 Agency/Group/Organization Toledo Lucas County Homelessness Board Agency/Group/Organization Type Continuum of Care Lead Agency What section of the Plan was addressed Housing Need Assessment by Consultation? Homelessness Strategy Homeless Needs - Chronically homeless Homeless Needs - Families with children Homelessness Needs - Veterans Homelessness Needs - Unaccompanied youth Market Analysis
Consolidated Plan TOLEDO 13 OMB Control No: 2506-0117 (exp. 06/30/2018) How was the The Toledo Lucas County Homelessness Board Agency/Group/Organization consulted (TLCHB) is consulted regularly in all aspects related and what are the anticipated outcomes to ending homelessness in Toledo. The TLCHB was of the consultation or areas for improved extensively consulted in the development of this coordination? Consolidated Plan, participated on the Planning Steering Committee, and assisted with the promotion of the online Community Survey. The City will continue to work collaboratively with the TLCHB on all issues related to homelessness. 3 Agency/Group/Organization Equitas Health Agency/Group/Organization Type Services-Persons with HIV/AIDS What section of the Plan was addressed Housing Need Assessment by Consultation? Homelessness Strategy Homeless Needs - Chronically homeless Homelessness Needs - Veterans Market Analysis How was the The local office of the AIDS Resource Center (ARC) Agency/Group/Organization consulted of Ohio was consulted in determining the specific and what are the anticipated outcomes needs of those living with AIDS and how their needs of the consultation or areas for improved are met in the community. The City will continue to coordination? coordinate efforts with ARC as needed. 4 Agency/Group/Organization OhioMeansJobs - Lucas County Agency/Group/Organization Type Services-Employment What section of the Plan was addressed Economic Development by Consultation? How was the OhioMeansJobs, the local one-stop systems that Agency/Group/Organization consulted provides workforce services to individuals and and what are the anticipated outcomes businesses, was consulted about the economic of the consultation or areas for improved development section of the market analysis. As coordination? needed, the Department of Neighborhoods will continue to complement the services offered by OhioMeansJobs through services offered by non- profit partners and the City's Department of Economic and Business Development.
14 5 Agency/Group/Organization Toledo Regional Association of Realtors Agency/Group/Organization Type Housing Services - Housing Regional organization Business Leaders What section of the Plan was addressed Housing Need Assessment by Consultation? Market Analysis How was the The Toledo Regional Association of Realtors Agency/Group/Organization consulted (formerly the Toledo Board of Realtors) was and what are the anticipated outcomes consulted regarding the housing market in Toledo. of the consultation or areas for improved As needed, collaborations and partnership may be coordination? developed with this organization. 6 Agency/Group/Organization Fair Housing Center Agency/Group/Organization Type Housing Services - Housing Service-Fair Housing What section of the Plan was addressed Housing Need Assessment by Consultation? Public Housing Needs Market Analysis Fair housing How was the The City of Toledo previously contracted with the Agency/Group/Organization consulted Fair Housing Center for the development of the and what are the anticipated outcomes Analysis of Impediments (AI). Through the AI, the of the consultation or areas for improved Fair Housing Center develops action steps needed coordination? for the elimination of impediments. The City of Toledo will continue to work collaboratively with the Fair Housing Center towards the elimination of barriers to Fair Housing. 7 Agency/Group/Organization ABILITY CENTER OF GREATER TOLEDO Agency/Group/Organization Type Services-Persons with Disabilities What section of the Plan was addressed Housing Need Assessment by Consultation? Public Housing Needs Market Analysis
Consolidated Plan TOLEDO 15 OMB Control No: 2506-0117 (exp. 06/30/2018) How was the The Ability Center of Greater Toledo was consulted Agency/Group/Organization consulted in the development of the Housing Needs and what are the anticipated outcomes Assessment and the Market Analysis portion of this of the consultation or areas for improved plan in what refers to persons with disabilities. The coordination? Ability Center was also represented in the Planning Steering Committee that guided the development of this Consolidated Plan. Additionally, the Ability Center promoted the Community Survey among their constituency. As the integration in the community for people with disabilities continues to expand, the City will continue to maintain regular communications with the Ability Center to assist in educating service providers in the community and implementation of the integration changes. 8 Agency/Group/Organization Mental Health and Recovery Services Board Agency/Group/Organization Type Services-Persons with Disabilities Services-Health What section of the Plan was addressed Housing Need Assessment by Consultation? Public Housing Needs Homelessness Strategy Homeless Needs - Chronically homeless Homeless Needs - Families with children Homelessness Needs - Veterans Homelessness Needs - Unaccompanied youth Market Analysis How was the Consultation was done through participation in Agency/Group/Organization consulted focus group and Consolidated Plan Steering and what are the anticipated outcomes Committee meetings and completion of agency of the consultation or areas for improved survey as well as review of the agency materials on coordination? their website. The need for special needs housing with support services and increased collaboration among service agencies was prioritized. 9 Agency/Group/Organization City of Toledo Department of Economic Development Agency/Group/Organization Type Other government - Local Grantee Department What section of the Plan was addressed Economic Development by Consultation?
16 How was the The Department of Economic Development of the Agency/Group/Organization consulted City was consulted through interviews and and what are the anticipated outcomes attendance at public meetings regarding the need of the consultation or areas for improved for and plans to address local economic coordination? development opportunities. The Department of Neighborhoods will continue to collaborate with the Economic Development team in assisting local business and attracting new businesses to Toledo. Leveraging CDBG funds with private capital was prioritized. 10 Agency/Group/Organization Lucas County Board of Developmental Disabilities Agency/Group/Organization Type Services - Housing Services-Persons with Disabilities What section of the Plan was addressed Housing Need Assessment by Consultation? Public Housing Needs Market Analysis How was the Consultation was done through participation in Agency/Group/Organization consulted focus group and Consolidated Plan Steering and what are the anticipated outcomes Committee meetings and completion of agency of the consultation or areas for improved survey as well as review of the agency materials on coordination? their website. The Board also assisted in the promotion of the Community Survey. As the integration in the community for people with disabilities continues to expand, the City will collaborate with the Board of Developmental Disabilities as needed. 11 Agency/Group/Organization City of Toledo â¿¿ Department of Public Utilities Agency/Group/Organization Type Other government - Local What section of the Plan was addressed Housing Need Assessment by Consultation? Market Analysis Anti-poverty Strategy Public Utilities-Water Connection
Consolidated Plan TOLEDO 17 OMB Control No: 2506-0117 (exp. 06/30/2018) How was the Consultation was done through an interview with Agency/Group/Organization consulted the Director of Public Utilities regarding the and what are the anticipated outcomes improvement of water lines in low -income of the consultation or areas for improved neighborhoods and how to leverage federal dollars coordination? to assist households who do not have the financial resources to connect to the new water lines. The Department of Utilities is directly involved in the provision of public utility services to residents in the community. This collaboration will result in improved coordination between departments when addressing housing and public health issues. 12 Agency/Group/Organization City of Toledo - Code Enforcement Division Agency/Group/Organization Type Other government - Local Grantee Department What section of the Plan was addressed Housing Need Assessment by Consultation? Market Analysis Improving Neighborhood Conditions How was the The Code Enforcement Division was consulted Agency/Group/Organization consulted directly in the completion of the Needs Assessment and what are the anticipated outcomes and Market Analysis. The Code Enforcement of the consultation or areas for improved Department is directly involved in ensuring safe and coordination? adequate housing remains available in the community. Through consultation with Code Enforcement, the Department of Neighborhoods is better able to address the housing needs of LMI residents and improve neighborhood conditions in LMI areas. 13 Agency/Group/Organization ProMedica Health Agency/Group/Organization Type Services-Health What section of the Plan was addressed Housing Need Assessment by Consultation? Homelessness Strategy Market Analysis Anti-poverty Strategy
18 How was the ProMedica was consulted in the development of the Agency/Group/Organization consulted Needs Assessment, Homelessness Strategy, and and what are the anticipated outcomes Market Analysis. ProMedica is a major healthcare of the consultation or areas for improved provider in the Toledo area and continued coordination? collaboration will result in improved access to healthcare for vulnerable populations. 14 Agency/Group/Organization AURORA PROJECT, INC. Agency/Group/Organization Type Services-homeless What section of the Plan was addressed Housing Need Assessment by Consultation? Homelessness Strategy How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and increased collaboration and what are the anticipated outcomes among organizations. of the consultation or areas for improved coordination? 15 Agency/Group/Organization NeighborWorks, Toledo Region Agency/Group/Organization Type Housing Services - Housing What section of the Plan was addressed Housing Need Assessment by Consultation? Market Analysis How was the Through focus group, participation in community Agency/Group/Organization consulted meetings, and completion of survey questionnaire. and what are the anticipated outcomes Input on priority needs and affordable housing of the consultation or areas for improved capacity building. Greater collaboration between coordination? housing providers and homelessness prevention services needed to meet gaps in service and to facilitate comprehensive neighborhood redevelopment and homeownership 16 Agency/Group/Organization CATHOLIC CHARITIES DIOCESE OF TOLEDO Agency/Group/Organization Type Services-homeless What section of the Plan was addressed Housing Need Assessment by Consultation? Homelessness Strategy Market Analysis
Consolidated Plan TOLEDO 19 OMB Control No: 2506-0117 (exp. 06/30/2018) How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and increased collaboration and what are the anticipated outcomes among organizations. Improved coordination of the consultation or areas for improved between public service and homeless prevention coordination? providers 17 Agency/Group/Organization Zepf Center Agency/Group/Organization Type Housing Services - Housing What section of the Plan was addressed Housing Need Assessment by Consultation? Market Analysis How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and affordable housing and what are the anticipated outcomes capacity building. Need for increased capacity of the consultation or areas for improved among affordable housing developers to attract real coordination? estate investments. 18 Agency/Group/Organization Maumee Valley Habitat for Humanity Agency/Group/Organization Type Housing Services - Housing What section of the Plan was addressed Housing Need Assessment by Consultation? Market Analysis How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs for homeownership and and what are the anticipated outcomes affordable housing capacity building. of the consultation or areas for improved coordination? 19 Agency/Group/Organization Local Initiatives Support Corporation Toledo Agency/Group/Organization Type Housing Community Development Financial Institution What section of the Plan was addressed Housing Need Assessment by Consultation? Economic Development Market Analysis How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs for homeownership and and what are the anticipated outcomes affordable housing capacity building. Need for of the consultation or areas for improved developer capacity building to attract private sector coordination? investments and leverage federal funding for neighborhood development.
20 20 Agency/Group/Organization HELPING HANDS OF ST. LOUIS Agency/Group/Organization Type Services-Health Regional organization What section of the Plan was addressed Non-Homeless Special Needs by Consultation? Anti-poverty Strategy How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and increased collaboration and what are the anticipated outcomes among organizations. of the consultation or areas for improved coordination? 21 Agency/Group/Organization Sofia Quintero Art and Cultural Center Agency/Group/Organization Type Services-Children Services-Education Public facilities Neighborhood Organization What section of the Plan was addressed Housing Need Assessment by Consultation? Non-Homeless Special Needs Priorities How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and increased collaboration and what are the anticipated outcomes among organizations. Promoting the arts in the of the consultation or areas for improved community. coordination? 22 Agency/Group/Organization Compassion Health Toledo Agency/Group/Organization Type Services-Health What section of the Plan was addressed Housing Need Assessment by Consultation? Market Analysis Priorities How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and increased provision of and what are the anticipated outcomes services to meet service delivery gaps. of the consultation or areas for improved coordination? 23 Agency/Group/Organization Arts Commission of Greater Toledo, Inc. Agency/Group/Organization Type Public infrastructure and Arts
Consolidated Plan TOLEDO 21 OMB Control No: 2506-0117 (exp. 06/30/2018) What section of the Plan was addressed Housing Need Assessment by Consultation? Priorities How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and increased collaboration and what are the anticipated outcomes among organizations. of the consultation or areas for improved coordination? 24 Agency/Group/Organization Toledo GROWS Agency/Group/Organization Type Public Services What section of the Plan was addressed Housing Need Assessment by Consultation? Priorities How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and increased collaboration and what are the anticipated outcomes among organizations. of the consultation or areas for improved coordination? 25 Agency/Group/Organization Grace Community Center Agency/Group/Organization Type Services-Children Services-Elderly Persons Public Services What section of the Plan was addressed Housing Need Assessment by Consultation? Non-Homeless Special Needs Priorities How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and increased collaboration and what are the anticipated outcomes among organizations. of the consultation or areas for improved coordination? 26 Agency/Group/Organization Padua Center Agency/Group/Organization Type Services-Children Services-Employment Urban Agriculture What section of the Plan was addressed Housing Need Assessment by Consultation? Priorities
22 How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and increased collaboration and what are the anticipated outcomes among organizations. of the consultation or areas for improved coordination? 27 Agency/Group/Organization The Village on Adams Agency/Group/Organization Type Public Facilities and community planning Neighborhood Organization What section of the Plan was addressed Housing Need Assessment by Consultation? Non-Homeless Special Needs How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and increased collaboration and what are the anticipated outcomes among organizations. of the consultation or areas for improved coordination? 28 Agency/Group/Organization St Paul's Community Center Agency/Group/Organization Type Services-homeless What section of the Plan was addressed Housing Need Assessment by Consultation? Non-Homeless Special Needs Priorities How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs and need for increased and what are the anticipated outcomes services of the consultation or areas for improved coordination? 29 Agency/Group/Organization Lucas County Land Reutilization Corporation Agency/Group/Organization Type Housing Services - Housing Regional organization What section of the Plan was addressed Housing Need Assessment by Consultation? Market Analysis How was the Through focus group and survey questionnaire. Agency/Group/Organization consulted Input on priority needs for affordable housing and and what are the anticipated outcomes neighborhood revitalization. of the consultation or areas for improved coordination?
Consolidated Plan TOLEDO 23 OMB Control No: 2506-0117 (exp. 06/30/2018) 30 Agency/Group/Organization Lucas County Emergency Management Agency Agency/Group/Organization Type Agency - Emergency Management Other government - County What section of the Plan was addressed Housing Need Assessment by Consultation? Market Analysis Hazard Mitigation and Housing Vulnerability How was the Discussion and review of Hazard Mitigation Plan. Agency/Group/Organization consulted Identified mitigation and resiliency strategies that and what are the anticipated outcomes will be used to enhance the specifications and of the consultation or areas for improved rehabilitation standards under owner-occupied coordination? home repair, rental housing and acquisition and rehabilitation and new construction for homeownership
Identify any Agency Types not consulted and provide rationale for not consulting
All pertinent agencies in the City and the County were consulted.
Other local/regional/state/federal planning efforts considered when preparing the Plan
Name of Plan Lead Organization How do the goals of your Strategic Plan overlap with the goals of each plan? Continuum of Care Toledo Lucas Elimination of Homelessness is a goal in both the CoC County CASE Plan and the City of Toledo 5-year Consolidated Homelessness Plan. Board Analysis of Toledo Fair Elimination of barriers to housing, particularly adequate Impediments to Housing Center affordable housing in areas of opportunity and accessible Fair Housing Choice to all is a goal of the City's 2020 Analysis of Impediments and the Consolidated Plan. On the Move 2015 Toledo Local and regional public transportation systems were to 2045 Metropolitan Area analyzed in this plan. The City continually evaluates ways Transportation Plan Council of to improve transportation services and accessibility to Governments low-moderate- income (LMI) residents. A goal of the Consolidated Plan is to find ways to improve transportation services which facilitate access to jobs for LMI persons. One of the goals of On the Move is to be a top-quality multi-modal passenger transportation hub.
24 Name of Plan Lead Organization How do the goals of your Strategic Plan overlap with the goals of each plan? 2020 Toledo Toledo City Plan The vision and goals of the 2020 Comprehensive Plan for Comprehensive Commission more stable housing stock, more jobs for residents, and Plan more attractive neighborhoods aligns with the Consolidated Plan goals including the target areas being considered for Neighborhood Revitalization Strategy Areas (NRSAs). 2014 Toledo The Arts The common goal is the reduction of blight. Arts in public Municipal Arts Plan Commission places contributes to this goal. Examining Food ProMedica The Consolidated Plan goals strategically contribute to the Access as reduction of poverty. The availability of food programs is Healthcare Issue - one for the specific goals of the Strategic plan. ProMedica Toledo also works towards improving nutrition in disadvantaged neighborhoods. Lucas County Healthy Lucas The goals of increasing availability of, and access to, Community Health County health services for low- moderate-income residents is a Improvement Plan goal of both the CHIP plan and the City's 5-year Consolidated Plan. The Department of Neighborhoods participates in the creation, prioritization, and implementation of their Action Plan. Bridges out of Lucas County Lucas County Impact Coalition is utilizing the Bridges out Poverty Impact Coalition of Poverty model to educate service providers and create a unified effort towards reducing poverty. The goals of the City's 5-year Consolidated Plan also seek to reduce poverty and improve citizens quality of life. Strategic Plan 2018- Lucas The provision of safe and sustainable affordable housing 2023 Metropolitan for LMI residents in Toledo is a goal in both the 5-year Housing Authority Consolidated plan and LMHA's strategic plan (LMHA) Analysis of Costs - Center for A main goal of the City's 5-year Consolidated Plan is the Vacant and Blighted Community prevention and reduction of blight. This analysis Properties Progress quantifies the costs to the City of continued vacancy and blighted conditions. Lucas County, Ohio, Lucas County The goals of the hazard mitigation plan and the mitigation Multi-jurisdictional Emergency action plan aligns with the City's housing strategy Hazard Mi Management including home repair, homeownership, and rental Agency housing. As well, identifying the disparate impact of disasters on LMI households Table 3 – Other local / regional / federal planning efforts
Consolidated Plan TOLEDO 25 OMB Control No: 2506-0117 (exp. 06/30/2018) Describe cooperation and coordination with other public entities, including the State and any adjacent units of general local government, in the implementation of the Consolidated Plan (91.215(l))
As strategies to address the goals of the Consolidated Plan are implemented, appropriate partnerships will be enhanced/developed to address community issues efficiently.
Narrative (optional):
The City of Toledo Department of Neighborhoods has cultivated many relationships in the community leading to the development of efficient strategies that assist in addressing community issues. Those relations include individuals, neighborhood groups, investors and organizations working towards the stabilization and growth of Toledo. The Department will continue to cultivate relationships that result in an effective and efficient implementation of the Consolidated Plan.
The Department has consulted with Buckeye Broadband, a local internet services provider, to discuss efforts to narrow the digital divide for underserved populations. Buckeye Broadband, through its corporate giving program, provides free internet services to community centers, libraries, and senior citizen centers. As opportunities arise to extend internet service to LMI individuals, the City anticipates further collaboration with Buckeye Broadband in meeting these needs.
26 PR-15 Citizen Participation – 91.105, 91.115, 91.200(c) and 91.300(c) 1. Summary of citizen participation process/Efforts made to broaden citizen participation Summarize citizen participation process and how it impacted goal setting
The City used a comprehensive citizen participation process to determine its housing and community development (HCD) needs, develop priorities for the use of federal funds, and prepare the FY2020-2024 Consolidated Plan (Con Plan), FY2020-2021 Annual Action Plan (AAP), and 2020 Analysis of Impediments to Fair Housing Choice (AI). Input occurred in developing the Con Plan, AAP, and AI and review and public comment on the drafts. The public input process followed the City’s Citizen Participation Plan (CPP) and adheres to regulatory requirements. The CPP was reviewed and amended during the process due to the impact of the coronavirus pandemic and social distancing which limited the final public hearings. The CPP was amended to include provisions of the CARES Act that provided supplemental CDBG funds to address COVID-19, and to allow for virtual meetings. The amended CPP was approved after a five-day comment period. Participation to the furthest extent possible was encouraged by the following: 1) Documents and notices in other languages for persons with Limited English Proficiency (LEP); 2) Documents in alternative format for the sight-impaired and a TTY line for the hearing impaired; 3) As requested, accommodations were made for persons with disabilities; 4) Outreach to public housing residents and low-to -moderate- income persons.
Resident input was sought in ranking and prioritizing the HCD needs, goals, and activities for all federal funded programs through the following means detailed in the table below:
Online and paper surveys (agencies and residents): HCD needs and priorities surveys were distributed to the public and social service agencies/government entities for 30 days. The resident survey was in both English and Spanish. 606 Toledo residents and 22 agencies serving 70,000 completed the surveys.
Interviews - Individual meetings were held with other City units, City Council members, and community stakeholders to solicit feedback. Over 25 persons participated.
Non-Profit Focus Group Meeting - Local Non-Profit Agencies met on October 21, 2019 with 43 attendees.
Annual Action Plan funding workshops – Three mandatory review and pre-proposal sessions were held to provide technical assistance to entities interested in applying for CDBG, HOME, and ESG funding on 1/23 and 1/24/2020. The sessions gave agencies the opportunities to ask questions about the programs and the application.
Public Meetings -Two public meetings were held on October 22, 2019, at the Zablocki Senior Center (North End Toledo – 15 attendees and on October 23, 2019, at the Believe Center (South End Toledo) – 20 attendees.
Consolidated Plan TOLEDO 27 OMB Control No: 2506-0117 (exp. 06/30/2018) Consolidated Plan Steering Committee Meetings -Two Con Plan Steering Committee Meetings were held on October 22, 2019, with 25 attendees and on November 22, 2019, with 51 attendees. See attached list of entities represented.
Public Comment – The Con Plan, Annual Action, and AI were available for public comments for 30 days.
Newspaper ads and public notices – Meeting notices, ads, survey links, draft documents, and summaries of all three plans were published in four newspapers (two of general circulation and two minority papers), the City’s website, and social media.
Public hearings – Three public hearings on the Con Plan and AAP were held on 1/7/2020 (40 attendees-in person), 6/4/2020 (15 attendees-virtual), and 6/ 11/20 (5 attendees-virtual).
Other meetings and presentations – City staff made four Consolidated Plan presentations to 107 persons.
All comments and survey responses were taken into consideration when determining priorities, goals, and funded activities. Feedback from residents and other stakeholders helped to clarify or support data trends.
28 Citizen Participation Outreach
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Consolidated Plan TOLEDO 29 OMB Control No: 2506-0117 (exp. 06/30/2018) Sort Mode of Outreach Target of Summary of Summary of Summary of URL (If applicable) Order Outreach response/attendance comments comments received not accepted and reasons 1 Newspaper Ad Non- All meetings, public notices, and No specific All comments targeted/broad public comment period for the comments were were community Consolidated Plan, Annual Action received in accepted. Plan, Analysis of Impediments, response to the and Request For Proposals were newspaper ads. published in the classified notice Please see sections of major and minor attachment with newspapers such as the Toledo summary of Blade, La Prensa, the Sojourner's comments from Truth, and the Toledo Journal on meetings and 12/18/20, 12/20/2019, surveys. 12/22/2019, 3/4/2020, 3/6/2020, 3/8/2020, 5/13/2020, 5/15/20, 5/17/2020,
30 2 Internet Outreach Non- Meetings, public notices, public Specific All comments https://toledo.oh.gov/events/hud- targeted/broad comment period, draft copies of comments related were consolidated-plan-public-meeting/ community the Consolidated Plan, Annual to how funds accepted. Action Plan, and the AI were were being Agencies posted on the City's website and distributed, need responding to accessible via web links. The for assessment of Requests for Consolidated Plan and Annual current programs, Proposals and Action Plan was published for two need for capacity Applications 30-day comment periods from buildings among 1/2/2020 to 2/2/2020 and non-profits and 3/26/2020 to 4/26/2020 at the the community. library and City hall with printed Need for more copies of the plan and a sheet for collaborative receiving public comments, as well between as on the City's website. community-based organizations. Need for transportation access to available jobs in employment centers and the need for development incentives and capacity building to be able to attract investors and developers of affordable rental housing in Toledo. See attachment for more details
Consolidated Plan TOLEDO 31 OMB Control No: 2506-0117 (exp. 06/30/2018) Sort Mode of Outreach Target of Summary of Summary of Summary of URL (If applicable) Order Outreach response/attendance comments comments received not accepted and reasons on community responses.
32 3 Public Meeting Non- Several public meetings and public Specific All targeted/broad hearings were held to get comments related comments community community input such as the to how funds were following:1) Non-Profit Focus were being Group Meeting was held on distributed, need accepted October 21, 2019. Forty-three for assessment of (43) members attended from 25 current programs, agencies. 2)Two Public Meetings need for capacity were held on October 22, 2019, at buildings among the Zablocki Senior Center (North non-profits and End Toledo) with 15 attendees the community. and on October 23, 2019, at the Need for more Believe Center (South End Toledo) collaborative with 20 attendees. 3)Two between Consolidated Plan Steering community-based Committee Meetings were held on organizations. October 22, 2019, and 25 Need for members attended, and on transportation November 22, 2019, and 51 access to members attended. 4) A public available jobs in hearing on the Consolidated Plan employment only was held on January 7, 2020 centers and the 5) Over five meetings and need for presentations were conducted development with groups and organizations incentives and such as United Way Board, City capacity building management, third party training to be able to sessions, and City Council, 6)Two attract investors virtual public hearing meetings and developers of were held on June 4 and 7, 2020 affordable rental on the Consolidated Plan and housing in Toledo. Annual Action Plan. Questions and See attachment comments were mostly related to for more details
Consolidated Plan TOLEDO 33 OMB Control No: 2506-0117 (exp. 06/30/2018) Sort Mode of Outreach Target of Summary of Summary of Summary of URL (If applicable) Order Outreach response/attendance comments comments received not accepted and reasons affordable housing, services for on community seniors and youth, neighborhood responses. The conditions, leverage other sources Con Plan Steering of funding, and non-profit and real Committee estate development capacity Members building. Over 321 persons discussed the participated in the various consolidated meetings and presentations planning process and housing and community development efforts in Toledo representing various community sectors: economic development, education, public and social service agencies, homeless services, utilities, public housing, and religious organizations.
34 Sort Mode of Outreach Target of Summary of Summary of Summary of URL (If applicable) Order Outreach response/attendance comments comments received not accepted and reasons 4 Online and Paper Non- A 16-Question Agency Survey A summary of the All comments https://toledo.oh.gov/news/public- Agency Survey targeted/broad regarding housing and community survey responses were input-needed-for-consolidated- community development priorities was made and a list of accepted. plan-to-the-us-dept-of-housing- available for approximately one priorities urban-development/ month through distribution at identified through meetings and via SurveyMonkey the survey is for approximately one month. attached. The agency survey was completed by 22 Non-Profit Agencies that served over 70,000 persons in the area.
Consolidated Plan TOLEDO 35 OMB Control No: 2506-0117 (exp. 06/30/2018) Sort Mode of Outreach Target of Summary of Summary of Summary of URL (If applicable) Order Outreach response/attendance comments comments received not accepted and reasons 5 Online and Paper Non- A 14-Question Survey regarding A summary of the All comments https://toledo.oh.gov/news/public- Resident Survey targeted/broad housing and community survey responses were input-needed-for-consolidated- community development priorities was made and a list of accepted. plan-to-the-us-dept-of-housing- available to the public through priorities urban-development/ distribution at public meetings, identified through advertisement on the City the survey is website, and via SurveyMonkey attached. for approximately one month. The survey was completed by over 723 persons, 606 of which are Toledo residents. The resident survey asked a range of demographic questions, and participating residents were from a broad range of Toledo zip codes. The resident survey asked residents to determine the priority and ranking of needs in the areas of public facilities and infrastructure, economic development, affordable housing, slum/blight removal and code enforcement, emergency solutions/homeless prevention, and public services
Table 4 – Citizen Participation Outreach
36 Needs Assessment
NA-05 Overview Needs Assessment Overview
The Needs Assessment examines needs related to affordable housing, special needs housing, community development and homelessness for the City of Toledo, OH. The Needs Assessment includes the following sections:
• Housing Needs Assessment • Disproportionately Greater Need • Public Housing • Homeless Needs Assessment • Non-Homeless Special Needs Assessment • Non-Housing Community Development Needs
Most of the data tables in this section are populated with default data from the 2011-2015 American Community Survey (ACS) and the Comprehensive Housing Affordability Strategy (CHAS) datasets. CHAS datasets are developed for HUD by the U.S. Census Bureau based on the ACS. In addition to these data sources, the Needs Assessment is supplemented by current local data to provide greater context as to what is happening in the city.
The housing portion of the Needs Assessment focuses largely on households experiencing housing problems. HUD defines housing problems as:
• Units lacking complete kitchen facilities. • Units lacking complete bathroom facilities. • Housing cost burden of more than 30 percent of the household income (for renters, housing costs include rent paid by the tenant plus utilities and for owners, housing costs include mortgage payments, taxes, insurance, and utilities); and • Overcrowding which is defined as more than one person per room, not including bathrooms, porches, foyers, halls, or half-rooms.
Two of the three housing and community development entitlement programs, CDBG and HOME, operate under federally established income limits. These limits are based on median family income for the Toledo OH Metropolitan Statistical Area (MSA), currently defined as Fulton, Lucas, and Wood counties, and are adjusted annually.
Generally, very-low income refers to incomes at or below 30 percent of AMI; low-income refers to incomes between 31 and 50 percent of AMI; moderate-income refers to incomes between 51 and 80
Consolidated Plan TOLEDO 37 OMB Control No: 2506-0117 (exp. 06/30/2018) percent of AMI; all adjusted for family size. The CDBG and HOME programs target low- and moderate- income beneficiaries; except that HOME rental activities can benefit those with income up to 60% of AMI.
The groups which are identified as having the greatest needs are Black/African American, Hispanic, the elderly, and the homeless population.
The maps #1 through 3 below will be discussed in section NA-30.
Map 1 - Black Percent-Toledo -NA-30
38
Map 2 - Hispanic Percent-Toledo -NA-30
Consolidated Plan TOLEDO 39 OMB Control No: 2506-0117 (exp. 06/30/2018)
Map 3. Percent Low to Moderate-Income Households - Toledo -NA-30
40 NA-10 Housing Needs Assessment - 24 CFR 91.205 (a, b, c) Summary of Housing Needs
Based on the data provided by HUD, many demographic groups need housing which is both affordable and available. The number of households in the city declined by six (6) percent between 2009 and 2015. The decline in households has many impacts, foremost is increased housing vacancy. Households who leave the city tend to have more financial resources than others who cannot move, therefore the city has experienced an increase in lower-income households and lower median incomes. Between 2009 and 2015 the median household income shrank six percent to $33,687 in 2015.
Single person households are a demographic with significant needs. The 2011-2015 American Community Survey 5-Year Estimates indicate there are 23,143 single female households and 20,008 single male households in Toledo. The median income in Toledo for a single female living alone is $19,776 while the median income for a single male living alone is $23,670. Another group of households in need of housing assistance are seniors (65-years and older) of which there are 25,269 households. Additionally, seniors tend to live on fixed incomes such as Social Security, have a higher rates of disability, and healthcare costs.
The low incomes of Toledo residents translate directly into housing problems. The main housing problem found in Toledo are households spending more than 30 percent of their income on housing costs which indicates cost burdening. Cost burdened households may be at risk for missed payments, foreclosure, eviction, or inability to provide for other necessities such as food, clothing, or transportation due to the amount of money being spent on housing costs. Cost burdened households account for nearly 49 percent of all households in Toledo. Quality affordable housing is an essential component of providing pathways for economic stability and the opportunity to transition from renting to owning if desired.
Cost burdening and severe cost burdening are the primary housing problems faced by Toledo residents especially among African Americans households who have the lowest median income of any racial/ethnic cohort in Toledo. White households had a median income of $39,748, Hispanic households $32,681and African American households are earning nearly 47 percent less than White households in Toledo. Income affects housing choice. Other issues such as a lack of complete plumbing or kitchen facilities, or overcrowding are relatively minor in comparison.
Extremely low-income renter households experience tremendous hardship with about 80 percent of renter households, experiencing severe cost burdening. Other housing issues identified were substandard housing and overcrowding.
Demographics Base Year: 2009 Most Recent Year: 2015 % Change Population 287,208 282,275 -2% Households 125,376 117,530 -6% Median Income $35,753.00 $33,687.00 -6% Table 5 - Housing Needs Assessment Demographics
Consolidated Plan TOLEDO 41 OMB Control No: 2506-0117 (exp. 06/30/2018) Data Source: 2005-2009 ACS (Base Year), 2011-2015 ACS (Most Recent Year)
Number of Households Table
0-30% >30-50% >50-80% >80-100% >100% HAMFI HAMFI HAMFI HAMFI HAMFI Total Households 26,120 17,820 22,155 11,950 39,490 Small Family Households 9,245 5,855 7,380 4,350 19,740 Large Family Households 1,280 1,135 1,205 675 2,215 Household contains at least one person 62-74 years of age 2,935 3,140 4,235 2,695 7,875 Household contains at least one- person age 75 or older 2,015 3,260 3,755 1,295 2,705 Households with one or more children 6 years old or younger 5,690 2,995 3,370 1,530 2,990 Table 6 - Total Households Table Data 2011-2015 CHAS Source:
Housing Needs Summary Tables
1. Housing Problems (Households with one of the listed needs)
Renter Owner 0-30% >30- >50- >80- Total 0-30% >30- >50- >80- Total AMI 50% 80% 100% AMI 50% 80% 100% AMI AMI AMI AMI AMI AMI NUMBER OF HOUSEHOLDS Substandard Housing - Lacking complete plumbing or kitchen facilities 505 230 150 70 955 150 170 70 60 450 Severely Overcrowded - With >1.51 people per room (and complete kitchen and plumbing) 60 15 75 4 154 20 4 0 4 28
42 Renter Owner 0-30% >30- >50- >80- Total 0-30% >30- >50- >80- Total AMI 50% 80% 100% AMI 50% 80% 100% AMI AMI AMI AMI AMI AMI Overcrowded - With 1.01-1.5 people per room (and none of the above problems) 310 170 195 10 685 75 60 50 15 200 Housing cost burden greater than 50% of income (and none of the above 11,71 14,24 problems) 0 2,450 70 10 0 2,915 1,440 515 95 4,965 Housing cost burden greater than 30% of income (and none of the above 11,21 problems) 2,385 5,540 2,975 315 5 945 2,090 3,570 1,080 7,685 Zero/negative Income (and none of the above problems) 2,305 0 0 0 2,305 820 0 0 0 820 Table 7 – Housing Problems Table Data 2011-2015 CHAS Source:
Consolidated Plan TOLEDO 43 OMB Control No: 2506-0117 (exp. 06/30/2018) 2. Housing Problems 2 (Households with one or more Severe Housing Problems: Lacks kitchen or complete plumbing, severe overcrowding, severe cost burden)
Renter Owner 0-30% >30- >50- >80- Total 0-30% >30- >50- >80- Total AMI 50% 80% 100% AMI 50% 80% 100% AMI AMI AMI AMI AMI AMI NUMBER OF HOUSEHOLDS Having 1 or more of four housing problems 12,585 2,860 495 95 16,035 3,155 1,675 635 175 5,640 Having none of four housing problems 5,455 7,940 9,485 4,550 27,430 1,800 5,345 11,540 7,130 25,815 Household has negative income, but none of the other housing problems 2,305 0 0 0 2,305 820 0 0 0 820 Table 8 – Housing Problems 2 Data 2011-2015 CHAS Source:
3. Cost Burden > 30%
Renter Owner 0-30% >30- >50- Total 0-30% >30- >50- Total AMI 50% 80% AMI 50% 80% AMI AMI AMI AMI NUMBER OF HOUSEHOLDS Small Related 5,915 3,015 1,235 10,165 1,310 1,175 1,605 4,090 Large Related 900 510 180 1,590 170 190 160 520 Elderly 1,885 1,675 645 4,205 1,400 1,595 1,225 4,220 Other 6,125 3,000 1,035 10,160 1,120 715 1,105 2,940 Total need by 14,825 8,200 3,095 26,120 4,000 3,675 4,095 11,770 income Table 9 – Cost Burden > 30% Data 2011-2015 CHAS Source:
44 4. Cost Burden > 50%
Renter Owner 0-30% >30-50% >50- Total 0-30% >30-50% >50- Total AMI AMI 80% AMI AMI 80% AMI AMI NUMBER OF HOUSEHOLDS Small Related 5,090 925 10 6,025 985 465 135 1,585 Large Related 750 130 0 880 135 75 15 225 Elderly 1,360 635 65 2,060 970 585 190 1,745 Other 5,165 770 25 5,960 900 360 170 1,430 Total need by 12,365 2,460 100 14,925 2,990 1,485 510 4,985 income Table 10 – Cost Burden > 50% Data 2011-2015 CHAS Source:
5. Crowding (More than one person per room)
Renter Owner 0- >30- >50- >80- Total 0- >30- >50- >80- Total 30% 50% 80% 100% 30% 50% 80% 100% AMI AMI AMI AMI AMI AMI AMI AMI NUMBER OF HOUSEHOLDS Single family households 335 145 180 14 674 55 74 25 15 169 Multiple, unrelated family households 20 40 55 0 115 34 4 20 4 62 Other, non-family households 15 0 30 0 45 0 0 0 0 0 Total need by 370 185 265 14 834 89 78 45 19 231 income Table 11 – Crowding Information – 1/2 Data 2011-2015 CHAS Source:
Renter Owner 0-30% >30-50% >50-80% Total 0-30% >30-50% >50-80% Total AMI AMI AMI AMI AMI AMI Households with Children Present 0 0 0 0 0 0 0 0 Table 12 – Crowding Information – 2/2 Data Source Comments:
Consolidated Plan TOLEDO 45 OMB Control No: 2506-0117 (exp. 06/30/2018) Describe the number and type of single person households in need of housing assistance.
Generally, single households on fixed income are the most likely to live in substandard housing due to their inability to pay the average rent or their inability to maintain their homes. These individuals need housing assistance and are at-risk of becoming homeless if an unexpected event affects their financial situation.
The 2011-2015 American Community Survey 5-Year Estimates indicate there are 23,143 single female households and 20,008 single male households in Toledo. The median income in Toledo for a single female living alone is $19,776 while the median income for a single male living alone is $23,670. Both demographic groups have very low incomes which also contribute to housing problems because at such low incomes housing choices and options become limited. By using the metric of housing costs not exceeding 30 percent of income, the rents which would be affordable to single females and males would be $494 and $592 a month, respectively. According HUD’s Fair Market rent data, the average monthly rent for a one-bedroom unit in Toledo is $560 (per HUD's FY2019 Fair Market Rent Documentation System). When adding the cost of utilities, the potential for housing cost burden remains high for single person households who are at or below the median income.
Another group of households in need of housing assistance are seniors (65-years and older). According to data provided by the ACS, there are 25,269 senior households in Toledo. While not all senior households are single person households, there is a risk that these households will eventually become single person households. Additionally, seniors tend to live on fixed incomes and have higher healthcare costs which limit the amount of money they could potentially spend on housing. The median income of a senior household in Toledo is $29,076 which would translate into an affordable rent of $727 per month. Again, housing choices are limited at this level of income.
Other single person households in need of assistance are elderly and/or disabled individuals who rely on Supplemental Social Security Income (SSI) to satisfy their needs. With an average rent in Toledo of $560 for a one-bedroom unit and average SSI payment for an individual of $783 per month. Although the SSI payment is higher than the average cost of a one-bedroom rental unit, a $560 rent payment equates to spending over 70 percent of your monthly income on housing costs. This places a great burden on that single person household, particularly if they are elder and/or disabled and have higher medical and transportation costs.
Estimate the number and type of families in need of housing assistance who are disabled or victims of domestic violence, dating violence, sexual assault, and stalking.
The need for home accessibility and other services for people with disabilities in Toledo is essential because a significant portion of the city’s population have disabilities. The Census classifies disabilities in the following categories: those having a hearing or vision impairment, ambulatory limitation, cognitive limitation, and self-care or independent living situation. Improved survival rates and increased longevity among persons with disabilities combined with an aging population and the inaccessibility of older homes
46 in lower income neighborhoods are indicators of a growing need for services provided by local organizations. Based on disability data from the ACS 2011-2015 for Toledo:
• 17 percent or 48,485 individuals have some sort of disability. • 11 percent or 5,015 children between the ages of 5 and 17 years old have a disability. • 16 percent or 28,658 individuals between 18 and 64 years old have a disability. • 40 percent or 14,545 individuals over the age of 65 have a disability.
Looking further at the disability household data which was obtained via HUD CHAS 2011-2015, about 68,925 households (59 percent) in Toledo have a household member qualifies as having a disability based on the Census definition. Ambulatory limitations are a major category of disability with 18 percent of households having a member with this type of disability; of renter households about 20 percent have a member with an ambulatory disability. Recognizing the housing and services needs these populations require is critically important. Disabled residents often rely on long-term care and wrap-around services. Additionally, long-term housing facilities for this population are critical given their specific needs.
What are the most common housing problems?
The number of households in Toledo shrank by 6 percent between 2009 and 2015. Part of this decline is the result of the Great Recession and subsequent housing foreclosure issues the City has faced. Many of the City’s most challenged neighborhoods saw vacancy increase, dilapidated structures demolished, and land placed into the ownership of the City or the Land Bank. In many lower-income neighborhoods, the housing stock is older and requires continual maintenance and updates to meet the demands of today’s buyers. While there are more housing units in Toledo than there are households, these units may not be in the most desirable neighborhoods or in a condition that suits current market demand.
Based on the data provided by HUD, the most common housing problem in Toledo are household spending more than 30 percent of their income on housing costs. There are also issues at certain income categories where severe cost burdening (spending more than 50 percent of income on housing costs) is also a challenge. There is a total of 26,120 renter households and 11,770 owner households in Toledo with incomes at or below 100 percent of AMI and are experiencing housing cost burden. Cost burdened households account for nearly 49 percent of all households in Toledo. As households are forced to spend a greater percentage of their income on housing costs, it limits how much can be put toward food, healthcare, education, childcare, and transportation.
An added challenge for cost burdened renters is a limited prospect of entering the homeownership market over time. As housing costs increase and wages remain flat, it becomes more difficult to save for a down payment and cover the costs of a home purchase. There may also be difficulties with poor credit or a lack of credit to qualify for a mortgage. Quality affordable housing is an essential component of providing pathways for economic stability and the opportunity to transition from renting to owning if desired.
Consolidated Plan TOLEDO 47 OMB Control No: 2506-0117 (exp. 06/30/2018) Cost burdening and severe cost burdening are the primary housing problems faced by Toledo residents, other issues such as a lack of complete plumbing or kitchen facilities, or overcrowding are relatively minor in comparison, impacting about 1 percent of households. Based on the HUD data, there are 1,405 households which lack complete plumbing or kitchen facilities, of which 955 are renter households and 450 are owner households. The households most affected are those with incomes below 30 percent of AMI.
Are any populations/household types more affected than others by these problems?
Those individuals living on a fixed income mostly provided by Social Security (SSI), such as seniors and individuals with disabilities/mental illness, are more affected than others by housing cost burden problems. In some circumstances it can be more challenging for individuals with disabilities to find and perform work tasks which can limit their ability to earn a living wage. Affordable housing options for individuals with disabilities are critically important not only to their quality of life, but also to their ability to balance housing costs with what they are able to earn.
Single households (female or male) often struggle to earn enough to support themselves and their family, even though they are working and earning an income. These households could be described as the “working poor” where they earn incomes but may rely on supplemental help and services such as food banks to remain a step ahead of poverty. The federal poverty line for a three-person household is $21,330. Single female households with children in Toledo comprise 33 of all family households and have a median income of $22,286. Single-male households with children account for nearly 10 percent of all family households and have a median income of $35,182. Married-couple family households account for 56 percent of families and have a median income of $60,557.
According to the 2011-2015 ACS, Black/African American households had a median income of $21,137 contributing to issues of cost burdening. Black/African American households have the lowest median income of any racial/ethnic cohort in Toledo. White households had a median income of $39,748, while Hispanic/Latino households earned $32,681. Black/African American households are earning nearly 47 percent less than White households in Toledo. This influences where they can afford to live and what type of housing is available to them. This likely limits these households to certain neighborhoods that may have an older housing stock with more issues.
Describe the characteristics and needs of Low-income individuals and families with children (especially extremely low-income) who are currently housed but are at imminent risk of either residing in shelters or becoming unsheltered 91.205(c)/91.305(c)). Also discuss the needs of formerly homeless families and individuals who are receiving rapid re-housing assistance and are nearing the termination of that assistance
The following systemic factors affect and/or are needs of households that are at risk of homelessness, have experienced homelessness, or are currently in supportive housing:
48 • Homelessness prevention resources may not be enough to meet the need in the community based on the large numbers of low-income residents. • Family homelessness could be an issue, especially given the number of cost-burdened and severely cost burdened households. • Need for aftercare services for families that have been stabilized through shelter or supportive housing resources, including Rapid Rehousing. • Need for connections to employment and job training. • Need for greater collaboration and coordination with other systems serving at risk or homeless households, including systems that deal with immigration, mental health, substance abuse, development disabilities, foster care, corrections, and health care system. • Not enough affordable housing for families who need it and currently long wait lists exist for public housing. • Need of funding for non-housing-based services only programs (e.g. case management, transportation, day care, and employment programs).
The Toledo/Lucas County Homelessness Board (TLCHB) serves as the governing body of the Toledo/Lucas County Continuum of Care (CoC). The organization is composed of 17 representatives of the local community including public sector, private sector, business sector, faith-based organizations, and funders. The organization works on issues of homelessness and contributes to providing rapid re-housing assistance to homeless families. The services provided for rapid re-housing include temporary financial assistance with deposits, rent, and/or utilities in private market rental units; assistance with searching for housing and negotiating a lease agreement; and education on tenant rights and responsibilities. As reported by TLCHB, 89 percent of households exit to permanent housing; and 2 percent return to homelessness within six months.
The structural difficulty with the homeless population is that many are under-educated and have little or no transferrable skills that will assist them in locating suitable employment, especially in a relatively short period of time. CoC clients need economic improvement that makes jobs accessible to citizens in the community, skills training that will allow them to learn the job skills employers in the local area are seeking, and training in how to write a resume, apply for a job, and succeed during an interview. Fulfilling their housing needs is only the first step towards self-sufficiency; there are many more steps needed for them to remain in the housing they are placed in.
If a jurisdiction provides estimates of the at-risk population(s), it should also include a description of the operational definition of the at-risk group and the methodology used to generate the estimates:
Not applicable
Specify particular housing characteristics that have been linked with instability and an increased risk of homelessness
Consolidated Plan TOLEDO 49 OMB Control No: 2506-0117 (exp. 06/30/2018) Integration of social service systems is critical to addressing the needs of those with the housing characteristics linked with instability and increased risk of homelessness. Toledo/Lucas County Homelessness Board in conjunction with City of Toledo Department of Neighborhoods work together to bring the Mental Health and Recovery Services Board, Ohio Means Jobs, Jobs and Family Services, Lucas County Children Services, and the Criminal Justice Coordinating Council together to address the commonalities in each of the respective organizations client bases.
Main characteristics linked with housing instability are history of domestic violence, mental illness, and drug use; lack of or under employment; previous evictions; and a multitude of legal interactions. While this is not a comprehensive list of characteristics linked with housing instability and increased risk of homelessness, these characteristics which drive local policies and efforts to increase the interactions within and among several social service systems.
Discussion
The City of Toledo participated in a Countywide Mitigation Plan for 2019 with the Lucas County Emergency Management Agency (LCEMA) and developed its own resilience strategies that will impact it housing standards and specifications. The City does not currently have a Community Development Block Grant- Disaster Recovery (CDBG-DR). However, coordination with LCEMA will occur in the event of a natural disaster.
50 NA-15 Disproportionately Greater Need: Housing Problems – 91.205 (b)(2) Assess the need of any racial or ethnic group that has disproportionately greater need in comparison to the needs of that category of need as a whole.
Introduction
Low-income groups have a disproportionally greater need for housing without problems. From the data provided by HUD, the racial and ethnic groups which are experiencing the greatest needs are Black/African Americans and Hispanics. In Toledo, about 47 percent of all Black/African American households live in housing units which have one or more of the four housing problems. Black/African American households are nearly twice as likely to live in housing units with problems than White households. The percentage of White households living in units with one of the four housing problems is 29 percent. While not as high as Black/African American households, there are still 39 percent of Hispanic households living in housing units with one of the four housing problems.
When compared to White households, the disparity between racial and ethnic groups is glaring about housing needs. Housing is one of the symptoms of a much larger problem which includes access to quality education, employment opportunities, transportation, and safe and secure neighborhoods.
0%-30% of Area Median Income
Housing Problems Has one or more Has none of the Household has of four housing four housing no/negative problems problems income, but none of the other housing problems Jurisdiction as a whole 19,065 3,925 3,125 White 8,825 1,390 1,195 Black / African American 8,285 2,070 1,470 Asian 210 15 165 American Indian, Alaska Native 39 25 30 Pacific Islander 0 0 4 Hispanic 1,180 290 140 Table 13 - Disproportionally Greater Need 0 - 30% AMI Data 2011-2015 CHAS Source:
*The four housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per room, 4. Cost Burden greater than 30%
Consolidated Plan TOLEDO 51 OMB Control No: 2506-0117 (exp. 06/30/2018) 30%-50% of Area Median Income
Housing Problems Has one or more Has none of the Household has of four housing four housing no/negative problems problems income, but none of the other housing problems Jurisdiction as a whole 12,165 5,655 0 White 7,050 3,810 0 Black / African American 3,915 1,440 0 Asian 105 75 0 American Indian, Alaska Native 40 0 0 Pacific Islander 0 0 0 Hispanic 735 260 0 Table 14 - Disproportionally Greater Need 30 - 50% AMI Data 2011-2015 CHAS Source:
*The four housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per room, 4. Cost Burden greater than 30%
50%-80% of Area Median Income
Housing Problems Has one or more Has none of the Household has of four housing four housing no/negative problems problems income, but none of the other housing problems Jurisdiction as a whole 7,675 14,485 0 White 4,950 10,050 0 Black / African American 2,055 2,975 0 Asian 80 150 0 American Indian, Alaska Native 25 50 0 Pacific Islander 4 0 0 Hispanic 485 975 0 Table 15 - Disproportionally Greater Need 50 - 80% AMI Data 2011-2015 CHAS Source:
*The four housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per room, 4. Cost Burden greater than 30%
52 80%-100% of Area Median Income
Housing Problems Has one or more Has none of the Household has of four housing four housing no/negative problems problems income, but none of the other housing problems Jurisdiction as a whole 1,660 10,285 0 White 1,145 7,390 0 Black / African American 370 1,855 0 Asian 0 120 0 American Indian, Alaska Native 0 34 0 Pacific Islander 15 10 0 Hispanic 125 780 0 Table 16 - Disproportionally Greater Need 80 - 100% AMI Data 2011-2015 CHAS Source:
*The four housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per room, 4. Cost Burden greater than 30%
Discussion
Based on the tables and data from above, the identified needs of racial/ethnic groups include:
• The racial group which is experiencing the greatest percentage of housing problems in Toledo are Black/African Americans. Based on the data CHAS data provided by HUD, about 47 percent of all Black/African American households live in housing units which have one or more of the four housing problems. Black/African American households are nearly twice as likely to live in housing units with problems compared to White households. The percentage of White households living in units with one of the four housing problems is 29 percent. • The second largest group which are experiencing housing problems are Hispanics. About 39 percent of Hispanic households live with housing problems. • Households falling at or below 30 percent of AMI are at severe risk of homelessness because their income levels are below the poverty level and living on the financial margins. The demographic groups which have housing need below 30 percent of AMI include Black/ African American households, of which 27 percent are experiencing housing problems. Nearly 18 percent of Hispanic households are experiencing. Other groups in this income demographic include Asian households of which 17 percent have housing problems. Asian households account for about 1 percent of the total population of Toledo. • Between 30 percent and 50 percent of AMI, the data shows that Black/ African American and Hispanic households are struggling. Of Black/African American households, 13 percent have
Consolidated Plan TOLEDO 53 OMB Control No: 2506-0117 (exp. 06/30/2018) housing issues, while 11 percent of Hispanic households have housing issues. Comparatively, 9 percent of White households have housing issues. • Households that fall in the income range of 50 to 80 percent of AMI tend to have fewer housing issues, even across each of the racial/ethnic cohorts. White and Black/African American households have relatively low percentages at 6 and 7 percent, respectively. Housing units priced for households in this income range tend to have fewer housing issues compared to units available to households at lower incomes. This could be due to a larger marketplace for units priced at this income level and that these households have more money to pay for a higher quality unit. The competition within the marketplace leads to better products. Conversely, at lower income levels households do not have much choice with regards to quality housing, they are dependent on availability and cost, rather than quality. This tends to impact the conditions households are willing to live under. • As expected, household income and housing issue data shows as household income increases the likelihood of having housing issues decreases.
54 NA-20 Disproportionately Greater Need: Severe Housing Problems – 91.205 (b)(2) Assess the need of any racial or ethnic group that has disproportionately greater need in comparison to the needs of that category of need as a whole.
Introduction
The discussion in this section assesses the disproportionately greater need as it relates to severe housing problems in both the racial and ethnic groups found in Toledo. The discussion also compares the identified racial and ethnic groups to the jurisdiction as a whole. Severe housing problems can be defined as lacking complete kitchen facilities, complete plumbing facilities, having more than 1.5 persons per room, and spending more than 50% of household income on housing costs (severe cost burden). The consequences of living with severe housing problems are many, as they can adversely impact both quality of life and contribute to housing instability.
In Toledo there are 21,675 households facing one or more of the four housing problems. About 40 percent of those households, or 8,570 households, are Black/ African American. White households account for 50 percent, 10,860 households. Hispanic households make up 7 percent, or 1,410 households. The discussion below details the findings from the analysis.
0%-30% of Area Median Income
Severe Housing Problems* Has one or more Has none of the Household has of four housing four housing no/negative problems problems income, but none of the other housing problems Jurisdiction as a whole 15,740 7,255 3,125 White 7,460 2,750 1,195 Black / African American 6,705 3,650 1,470 Asian 185 35 165 American Indian, Alaska Native 39 25 30 Pacific Islander 0 0 4 Hispanic 1,000 465 140 Table 17 – Severe Housing Problems 0 - 30% AMI Data 2011-2015 CHAS Source:
*The four severe housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per room, 4. Cost Burden over 50%
Consolidated Plan TOLEDO 55 OMB Control No: 2506-0117 (exp. 06/30/2018) 30%-50% of Area Median Income
Severe Housing Problems* Has one or more Has none of the Household has of four housing four housing no/negative problems problems income, but none of the other housing problems Jurisdiction as a whole 4,535 13,285 0 White 2,605 8,265 0 Black / African American 1,495 3,865 0 Asian 14 165 0 American Indian, Alaska Native 20 25 0 Pacific Islander 0 0 0 Hispanic 255 745 0 Table 18 – Severe Housing Problems 30 - 50% AMI Data 2011-2015 CHAS Source:
*The four severe housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per room, 4. Cost Burden over 50%
50%-80% of Area Median Income
Severe Housing Problems* Has one or more Has none of the Household has of four housing four housing no/negative problems problems income, but none of the other housing problems Jurisdiction as a whole 1,130 21,025 0 White 645 14,360 0 Black / African American 350 4,680 0 Asian 50 180 0 American Indian, Alaska Native 0 80 0 Pacific Islander 0 4 0 Hispanic 80 1,390 0 Table 19 – Severe Housing Problems 50 - 80% AMI Data 2011-2015 CHAS Source:
*The four severe housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per room, 4. Cost Burden over 50%
56 80%-100% of Area Median Income
Severe Housing Problems* Has one or more Has none of the Household has of four housing four housing no/negative problems problems income, but none of the other housing problems Jurisdiction as a whole 270 11,680 0 White 150 8,385 0 Black / African American 20 2,200 0 Asian 0 120 0 American Indian, Alaska Native 0 34 0 Pacific Islander 15 10 0 Hispanic 75 830 0 Table 20 – Severe Housing Problems 80 - 100% AMI Data 2011-2015 CHAS Source:
*The four severe housing problems are: 1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per room, 4. Cost Burden over 50%
Discussion
Based on the tables and data on severe housing problems, the following conclusions apply:
• In Toledo there are 21,675 households with one or more of the four housing problems. White households account for 50 percent or 10,860 households. About 40 percent, or 8,570 households are Black/ African American and about 7 percent, or 1,410 households are Hispanic. • The racial group which is experiencing the greatest percentage of housing problems in Toledo are Black/African Americans. Based on the CHAS data provided by HUD, about 28 percent of all Black/African American households live in housing units which have one or more of the four severe housing problems. When compared to White households, of which 14 percent have one of the severe housing problems, Black/African American households are twice as likely to live in housing units with problems than White households. • Demographic groups which are in need at between zero and 30 percent of AMI include mostly Black/ African American households, of which 28 percent are experiencing housing problems. Of Hispanic’s, which make up 6 percent of the total households in Toledo, nearly 22 percent experience housing problems in this income group. Other groups in this income demographic include Asian households of which 20 percent have housing problems. Asian’s account for about 1 percent of the total population of Toledo. Households falling at or below 30 percent of AMI are at severe risk of homelessness because their income levels are nearly touching the poverty level. • As income rises, housing issues tend to decrease. Even at 30 percent to 50 percent AMI there is a significant drop in households experiencing housing problems. The gap between households of
Consolidated Plan TOLEDO 57 OMB Control No: 2506-0117 (exp. 06/30/2018) different racial and ethnic composition is also reduced at this income level. Percentages range from a low of zero for Pacific Islander to 6 percent for Native Americans. About 5 percent of Black/African American households are experiencing severe housing issues. As expected, household income and housing issue data shows as household income increases the likelihood of having housing issues decreases.
58 NA-25 Disproportionately Greater Need: Housing Cost Burdens – 91.205 (b)(2) Assess the need of any racial or ethnic group that has disproportionately greater need in comparison to the needs of that category of need as a whole.
Introduction:
A major issue for Toledo households is housing cost burden. This is true for both renters and homeowners throughout the city. Table 21 shows there are 20,525 households (17 percent) which spend between 30 percent and 50 percent of their income on housing, while 20,039 households (17 percent) spend greater than 50 percent of their income on housing. The discussion in this section describes the racial and ethnic groups which experience a disproportionate concentration of cost burdening than the jurisdiction as a whole.
Housing Cost Burden
Housing Cost Burden <=30% 30-50% >50% No / negative income (not computed) Jurisdiction as a whole 73,705 20,525 20,039 3,270 White 52,920 12,230 10,040 1,265 Black / African American 14,940 6,420 8,100 1,535 Asian 720 155 200 165 American Indian, Alaska Native 175 50 59 30 Pacific Islander 25 4 0 4 Hispanic 3,930 1,230 1,190 150 Table 21 – Greater Need: Housing Cost Burdens AMI Data 2011-2015 CHAS Source:
Discussion:
Based on the tables and data from above which shows cost burdening of households in Toledo, the following observations and assessments were made:
• In Toledo, housing cost burden (which includes both cost-burdened and severely cost-burdened) amounts to 35 percent of all households or 40,564 households. This indicates that the current mix of housing price points is still not meeting the needs of Toledo households to ensure they are spending at or below 30 percent of their household income on housing costs. Issues around employment, education, transportation access, and neighborhood investment are all contributing factors which impact incomes and the ability to afford housing in the city.
Consolidated Plan TOLEDO 59 OMB Control No: 2506-0117 (exp. 06/30/2018) • Black/African American households experiencing cost burden accounts for 47 percent of all cost burdened households. This number shrinks to 29 percent for White households. There is a disproportionately greater need to address housing cost burdened issues for Black/African American households compared to most other racial and ethnic groups. • Asian households in total have similar cost burden rates as White households with about 29 percent of households experiencing some form of cost burdening. The data provided HUD shows that of Asian households, 13 percent are cost burdened and 16 percent are severely cost burdened. For White households in Toledo, 16 percent are cost burdened and 13 percent are severely cost burdened. When compared to the jurisdiction of which 35 percent of households have some form of cost burdening, Asian households are experiencing a lesser rate than nearly all the racial and ethnic households aside from White households. • About 37 percent of all Hispanic households experience some form of cost burdening, of which 19 percent are cost burdened, and 18 percent are severely cost burdened.
60 NA-30 Disproportionately Greater Need: Discussion – 91.205(b)(2) Are there any Income categories in which a racial or ethnic group has disproportionately greater need than the needs of that income category as a whole?
Based on the income by race data provided by the ACS 2011-2015, the racial and ethnic categories which have the greatest need are Black/African American and Hispanic. When compared to the majority White population which has a median household income of $39,748, the median income of Black/African American households is about 53 percent of White households. The median income of Black/African American households is $21,137 and shows the stark disparity between the two groups. Hispanic households have a median income of $32,681, which is about 82 percent of White households.
If they have needs not identified above, what are those needs?
Education levels of Toledo residents show a disparity between the non-white minority population and the White population. This educational gap can mean the difference between economic opportunities, higher incomes, and improved housing conditions. Based on an analysis of the data, 20 percent of the White population ages 25 and above has a bachelor’s degree compared to only 10 percent of the Black/African American population. Based on ACS 2011-2015 data, the poverty rate for individuals decreases as education increases. In Toledo, for individuals with just a high school diploma the poverty rate is 21 percent, while those who hold a bachelor’s degree or higher have a poverty rate of 9 percent. Additionally, there is a correlation between income and education which shows that the median income of a bachelor’s degree holder is $41,391, much higher than the median income of a resident with only a high school diploma at $24,499.
Are any of those racial or ethnic groups located in specific areas or neighborhoods in your community?
Based on ACS 2011-2015 data shown in the attached maps, there are significant racial (Black/African American) and ethnic (Hispanic) concentrations in certain Census tracts within Toledo. Additionally, these areas also correspond to some of the lowest-income tracts within the city. Regarding the Black/African American population, census tracts 31, 35, 32, 36, 33, 34, 26, 25, 24.02, 21, 16, 22, and 23 have concentrations of Black/African American residents that are greater than 74 percent. These tracts are clustered just west of the downtown and north of the Maumee River, and comprise the neighborhoods of Junction, Englewood, Overland, and Auburndale. Outside of the immediate core of the city the Black/African American population is still high and spans across the city moving from the southwest (Eastgate) to the northeast (Manhattan Park).
An important metric regarding income is the percentage of Low and Moderate Income (LMI) households. The definition of low or moderate income means households that have incomes at or below 80 percent of the area median income. This metric is used for various HUD related funding programs, such as the Low-Income Housing Tax Credit (LIHTC) and CDBG funding. The map below presents the concentration of
Consolidated Plan TOLEDO 61 OMB Control No: 2506-0117 (exp. 06/30/2018) LMI households in Toledo. According to ACS data from 2011-2015, the median household income of Toledo is quite low at $33,687 compared to $41,777 for Lucas County.
Many of the Census tracts with higher percentages of LMI households also correspond to tracts with higher concentrations of Black/African American and Hispanic residents. Some of the neighborhoods with the highest percentages (more than 74 percent) of LMI households include Vistula, Sherman, Manhattan Park, North River, Warren-Sherman, Upton, and Junction. These areas are made up of census tracts: 12.02, 20, 19, 30, 29, 18, 22, 23, 27, 32, 33, 35, and 36.
62 NA-35 Public Housing – 91.205(b) Introduction
The Lucas Metropolitan Housing Authority (LMHA) has a housing portfolio consisting of 2,701 Public Housing units; 4,366 Housing Choice Vouchers; 32 Low-Income Housing Tax Credit units; 198 Market Rate units; and 53 Rent-to-Own properties. LMHA also provides programs and opportunities designed to improve the total quality of life for residents, with the goal of achieving self-sufficiency. LMHA also manages the Housing Choice Voucher (HCV) program, formerly known as Section 8, for the City of Toledo. The HCV program includes tenant-based vouchers, project-based vouchers, and special purpose vouchers as outlined below.
Demand for affordable and available housing in Toledo is strong. Based on the limited resources available from HUD, wait times for housing can occur. Based on the Annual Public Housing Authority Plan for LMHA, the waiting list for public housing has a total of 2,332 people. About 87 percent of the list is made up of extremely low-income households, 11 percent are very low-income households, and 2 percent are low income households. On the waitlist are 934 households with children, 115 elderly households, and 458 households with members having a disability. From a racial perspective, about one-third of the waitlist is White, and nearly two-thirds are Black/African American.
The waitlist for Housing Choice Vouchers has been closed for the last 36 months and the public housing authority does not expect the list to reopen in the coming year. The current waitlist has 1,859 households of which 1,577 are extremely low income, 247 are very low income, and 35 are just low income. About 93 percent of the list is composed of households with children. The waitlist is also composed of many households with members who have disabilities, about 36 percent of the waitlist is made up of households with disabilities. The racial breakdown of the housing waitlist is roughly 21 percent White, 72 percent Black/African American, and 6 percent Hispanic.
With such a high level of demand, prioritization of housing assistance takes place to target family units with the greatest need. Some categories which received prioritization include veterans and veteran families; those enrolled in educational, training, or upward mobility programs; victims of natural disaster/displacement; disabled families and individuals; and homeless families and individuals.
Based on data provided by HUD from the Real Estate Assessment Center (REAC) which has the mission to provide and promote the effective use of accurate, timely and reliable information assessing the condition of HUD's portfolio; to provide information to help ensure safe, decent and affordable housing; and to restore the public trust by identifying fraud, abuse and waste of HUD resources. Based on data provided by the REAC, of the eight units LMHA public housing projects inspected scores ranged from 50 to 90, with an average score of 76 across all units. Of the 69 multifamily housing units inspected by REAC the inspection scores ranged from 40 to 100 points, with 86 being the average score
Consolidated Plan TOLEDO 63 OMB Control No: 2506-0117 (exp. 06/30/2018) Totals in Use
Program Type Certificate Mod- Public Vouchers Rehab Housing Total Project Tenant Special Purpose Voucher -based -based Veterans Family Disabled Affairs Unification * Supportive Program Housing # of units vouchers in use 0 41 2,756 3,987 177 3,503 43 28 167 Table 22 - Public Housing by Program Type *includes Non-Elderly Disabled, Mainstream One-Year, Mainstream Five-year, and Nursing Home Transition
Data PIC (PIH Information Center) Source:
Characteristics of Residents
Program Type Certificate Mod- Public Vouchers Rehab Housing Total Project Tenant Special Purpose Voucher -based -based Veterans Family Affairs Unification Supportive Program Housing Average Annual Income 0 6,627 8,245 9,664 8,587 9,628 9,779 6,417 Average length of stay 0 4 6 6 1 6 0 2 Average Household size 0 1 2 2 1 2 1 3 # Homeless at admission 0 0 0 0 0 0 0 0 # of Elderly Program Participants (>62) 0 3 535 379 60 308 3 0 # of Disabled Families 0 25 851 1,370 105 1,045 19 2
64 Program Type Certificate Mod- Public Vouchers Rehab Housing Total Project Tenant Special Purpose Voucher -based -based Veterans Family Affairs Unification Supportive Program Housing # of Families requesting accessibility features 0 41 2,756 3,987 177 3,503 43 28 # of HIV/AIDS program participants 0 0 0 0 0 0 0 0 # of DV victims 0 0 0 0 0 0 0 0 Table 23 – Characteristics of Public Housing Residents by Program Type
Data Source: PIC (PIH Information Center)
Race of Residents
Program Type Race Certificate Mod- Public Vouchers Rehab Housing Total Project Tenant Special Purpose Voucher -based -based Veterans Family Disabled Affairs Unification * Supportive Program Housing White 0 24 794 1,321 101 1,096 17 13 70 Black/African American 0 16 1,929 2,632 75 2,377 26 15 95 Asian 0 0 23 9 1 7 0 0 0 American Indian/Alaska Native 0 1 7 24 0 22 0 0 2 Pacific Islander 0 0 3 1 0 1 0 0 0 Other 0 0 0 0 0 0 0 0 0 *includes Non-Elderly Disabled, Mainstream One-Year, Mainstream Five-year, and Nursing Home Transition Table 24 – Race of Public Housing Residents by Program Type Data PIC (PIH Information Center) Source:
Consolidated Plan TOLEDO 65 OMB Control No: 2506-0117 (exp. 06/30/2018) Ethnicity of Residents
Program Type Ethnicity Certificate Mod- Public Vouchers Rehab Housing Total Project Tenant Special Purpose Voucher -based -based Veterans Family Disabled Affairs Unification * Supportive Program Housing Hispanic 0 1 151 250 7 228 2 0 8 Not Hispanic 0 40 2,605 3,737 170 3,275 41 28 159 *includes Non-Elderly Disabled, Mainstream One-Year, Mainstream Five-year, and Nursing Home Transition Table 25 – Ethnicity of Public Housing Residents by Program Type Data Source: PIC (PIH Information Center)
66 Section 504 Needs Assessment: Describe the needs of public housing tenants and applicants on the waiting list for accessible units:
Based on the PIC data, there were a total of 3,987 housing vouchers being used by households in Toledo. Within the total housing voucher numbers are 379 housing vouchers for the elderly, and 1,370 vouchers for disabled families. The request for accessibility features in housing units is universal throughout the entire public housing stock with all 3,987 families requesting such features.
Senior housing is a big issue in Toledo especially regarding units which are both affordable and accessible. Based on data from the Affordable Housing Needs and Gaps in Toledo and Lucas County Report from 2018, there are 89 elderly households on the waiting list for public housing and 69 elderly households on the waiting list for Section 8 vouchers. The elderly population have special needs which need to be considered as it relates to housing.
The Ability Center whose mission is to assist people with disabilities to live, work, and socialize within a fully accessible community plays an active role in helping address some of the housing needs found in Toledo. The organization provides home modifications and helps connect seniors and those with disabilities to housing resources. The Ability Center completed 154 modification programs in 2016 through their Home Accessibility Program. Projects included ramp construction, low rise steps, and indoor handrails and support rails which accommodate a range of disabilities.
Most immediate needs of residents of Public Housing and Housing Choice voucher holders
Having a secure and safe place to live is the most immediate need of residents in public housing and/or those who have Housing Choice vouchers. The stability that a safe home can provide cannot be underestimated. Residents of public housing, or households with Housing Choice vouchers are predominately low-income, and in many cases extremely low-income. The lack of long-term and well- paying employment is an immediate need for this population group because without access to better economic opportunities the status quo will remain. In addition to economic opportunities, access to social and community-based services can help residents of public housing and those with Housing Choice vouchers. Some of the most immediate needs of LMHA's residents include but are not limited to:
• Access to educational and credentialing programs to encourage skill development. • Worker readiness, job training, job placement, and job retention services. • Access to affordable daycare facilities. • Financial literacy and planning services. • Mobility counseling and housing search assistance for voucher holders. • More affordable housing in safe neighborhoods that also have employment opportunities and community amenities.
Consolidated Plan TOLEDO 67 OMB Control No: 2506-0117 (exp. 06/30/2018) How do these needs compare to the housing needs of the population at large?
The needs of public housing residents are like the needs of the broader Toledo population. Many Toledo residents face challenges regarding housing, employment, and affordability. The existing housing stock is older and the housing that is found in the core of the city tends to have lower median values than the city. Residents living in the core of the city tend to reside in neighborhoods with higher concentrations of low- to-moderate income households. Most residents living in public housing and using Housing Choice vouchers have a similar economic position.
Compared to Lucas County, the median household income in Toledo is low, pointing to disparities in economic opportunity and education attainment. Younger residents in Toledo are of concern. Educational attainment by age data shows of all 18-24-year-old residents, 5,760 did not finish high school, and 9,470 residents ages 25-44 also did not finish high school. Median earnings of those without a high school diploma are only $17,045. Without addressing the needs of this population, the status quo will remain, and the education and skills gaps will only widen. The unemployment rate amongst these residents is also very high. Unemployment for 16-24-year-olds is 40 percent, nearly three times the overall city unemployment rate of 13.7 percent.
Discussion
LMHA has a $250 million strategy to reposition, rehabilitate and redevelop LMHA’s portfolio over several years. The strategy includes the demolition of non-viable properties, new development, disposition of scattered sit properties, and rehabilitation of the housing stock. Many LMHA properties are more than 50 years old with extensive physical needs. In addition, these properties have outdated, non-functional designs that contribute to unsafe living conditions for LMHA residents.
LMHA will be implementing an aggressive redevelopment program for several of the sites planned for demolition as well as looking at other opportunities to develop new sites; many Lucas county residents have special needs for housing that are not currently being met by the private market and cannot be met with LMHA’s existing public housing portfolio.
LMHA currently has more than 200 scattered sites in its portfolio spread across Lucas county. Management and operations of these scattered sites is extremely inefficient and not cost effective. In addition, these scattered sites have more than $20 million of physical needs. LMHA will dispose of a large portion of these sites to generate funds for redevelopment activities and to eliminate holding costs.
LMHA continues to implement capital improvements and is accelerating activities to repair and upgrade existing sites. By the middle of 2020, LMHA will have more than $5 million of construction in progress to improve living conditions for its public housing residents.
68 NA-40 Homeless Needs Assessment – 91.205(c) Introduction:
The City of Toledo is part of the Toledo Lucas Continuum of Care (CoC), for which the lead agency is the Toledo Lucas County Homelessness Board (TLCHB). The TLCHB also serves as the governing body of the CofC and is composed of 17 representatives of the local community including public sector, private sector, business sector, faith-based organizations, and funders.
The TLCHB administers all components of a successful CoC, including a coordinated intake process, outreach and assessment standards, available supportive services, HMIS data management, emergency shelter, transitional housing, and permanent housing. TLCHB promotes an inclusive and comprehensive planning continuum, including a community wide Congress that promotes and endorses review and input of the community's plan to end homelessness, known as the “Community Alliances and Strategic Efforts (CASE) to Prevent, Reduce and End Homelessness Plan.”
The Lucas County CofC conducted its most recent Point in Time (PIT) homeless needs study in January 2019. The following two tables show the assessment of homeless needs in Toledo.
Homeless Needs Assessment
Population Estimate the # of Estimate the Estimate Estimate the Estimate the persons experiencing # the # # exiting # of days homelessness on a experiencing becoming homelessness persons given night homelessness homeless each year experience each year each year homelessness Sheltered Unsheltered Persons in Households with Adult(s) and Child(ren) 250 0 448 448 537 36 Persons in Households with Only Children 2 0 0 0 0 0 Persons in Households with Only Adults 347 12 533 533 138 13 Chronically Homeless Individuals 42 6 106 106 93 43
Consolidated Plan TOLEDO 69 OMB Control No: 2506-0117 (exp. 06/30/2018) Population Estimate the # of Estimate the Estimate Estimate the Estimate the persons experiencing # the # # exiting # of days homelessness on a experiencing becoming homelessness persons given night homelessness homeless each year experience each year each year homelessness Sheltered Unsheltered Chronically Homeless Families 5 0 10 10 10 173 Veterans 17 1 52 52 21 131 Unaccompanied Child 10 0 5 5 4 70 Persons with HIV 2 1 7 7 2 42 Table 26 - Homeless Needs Assessment
Data Source Comments: Alternative data sources2019 PIT Count Data, January 2019. Toledo/Lucas County CoC.
Indicate if the homeless Has No Rural Homeless population is:
If data is not available for the categories "number of persons becoming and exiting homelessness each year," and "number of days that persons experience homelessness," describe these categories for each homeless population type (including chronically homeless individuals and families, families with children, veterans and their families, and unaccompanied youth):
Not applicable.
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Nature and Extent of Homelessness: (Optional)
Race: Sheltered: Unsheltered (optional)
White 255 6 Black or African American 301 4 Asian 0 0 American Indian or Alaska Native 4 1 Pacific Islander 0 0 Ethnicity: Sheltered: Unsheltered (optional)
Hispanic 44 1 Not Hispanic 555 9 Data Source Comments: Alternative data sources2019 PIT Count Data, January 2019. Toledo/Lucas County CoC.
Estimate the number and type of families in need of housing assistance for families with children and the families of veterans.
According to the January 2019 CoC PIT data, there were 52 veterans in need of emergency or transitional housing for the year. All veterans seeking assistance were male individuals without children present. Many of the veteran families need wrap around services; therefore, their housing needs to be centrally located for the veteran to access necessary services. The non-veteran families also find themselves in need of wrap around services, just for different reasons. Most of these households have financial stability issues that keep them on the cusp of homelessness even when they are re-housed through homeless assistance programs. Chronically homeless is used to describe people who have experienced homelessness for at least a year — or repeatedly — while struggling with a disabling condition such as a serious mental illness, substance use disorder, or physical disability. Ten (10) chronically homeless families were experiencing homelessness annually. An unaccompanied youth is a student who is not the physical custody of their parent or legal guardian; this includes young people who have run away from home, have been asked to leave their homes, or have been abandoned by parents. There were five unaccompanied youth estimated as experiencing homelessness annually and 10 experiencing homelessness on any given night. 448 persons in families with adults and children experienced homelessness annually. 553 individuals in households with adults only experienced homelessness.
Describe the Nature and Extent of Homelessness by Racial and Ethnic Group.
The minority population is overrepresented in the City of Toledo's homeless population. Point in Time (PIT) data from the Toledo/Lucas County CoC showed that 60 percent of all sheltered and unsheltered homeless individuals were racial and ethnic minorities. The Toledo area has a roughly 27 percent
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Black/African American population, and the homeless count shows just under 47 percent identifying themselves as Black/African American. Only 40 percent of all homeless individuals in the 2019 PIT identified as White. Eight percent of the homeless population identified as of Hispanic origin.
Describe the Nature and Extent of Unsheltered and Sheltered Homelessness.
Toledo and Lucas County have been effective in preventing a rise in the number of unsheltered homeless. Data from the CoC showed a very low incident of unsheltered homeless. Only 2 percent of the recorded homeless population went unsheltered, and of those unsheltered homeless, most refuse to engage in accessing mainstream resources. In many cases, multiple mental health barriers prevent individuals from obtaining and maintaining housing. Efforts continue to engage the unsheltered population until they can be housed.
Discussion: None
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NA-45 Non-Homeless Special Needs Assessment - 91.205 (b, d) Introduction:
Special needs are a select population of individuals which include frail and non-frail elderly, persons with physical disabilities, persons with mental or behavioral disabilities, and persons with HIV/AIDS. The sections below present information about these populations and their associated needs.
Describe the characteristics of special needs populations in your community:
Some of the Special Needs populations found in Toledo include the elderly and those individuals with disabilities. For the purposes of this analysis seniors can be classified as individuals or households headed by those 65-years and older. According to data provided by the ACS, there are 25,269 senior households in Toledo. Additionally, seniors live on fixed incomes and have higher healthcare costs which limit the amount of money they could potentially spend on housing. Many elderly and/or disabled individuals rely on SSI as a primary source of income which can limit their housing choice and ability to pay for other costs that may arise.
The Census classifies disabilities in the following categories: those having a hearing or vision impairment, ambulatory limitation, cognitive limitation, and self-care or independent living situation. While there is some overlap between seniors and the disabled, many disabled individuals are not seniors and are in fact part of the working age population. Based on data for the State of Ohio from the Employment and Disability Institute at Cornell University (www.disabilitystatistics.org):
• 14% of Ohioans report that they have an ambulatory, self-care, or independent living disability • 30% of working age (21-64) Ohioans with disabilities live in poverty. • More than 35% of Ohioans over age 65 have a disability.
Looking further at the disability household data which was obtained via HUD CHAS 2011-2015, about 59 percent of households in Toledo have at least one member with a disability based on the Census definition. Disability data from the Census shows that in Toledo:
• 17 percent or 48,485 individuals have some sort of disability. • 11 percent or 5,015 children between the ages of 5 and 17 years old have a disability. • 16 percent or 28,658 individuals between 18 and 64 years old have a disability. • 40 percent or 14,545 individuals over the age of 65 have a disability.
The need for home accessibility and other services for people with disabilities in Toledo is critical given the large population. Improved survival rates and increased longevity among persons with disabilities
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combined with an aging population and the inaccessibility of older homes in lower income neighborhoods are indicators of a growing need for services provided by local organizations.
What are the housing and supportive service needs of these populations and how are these needs determined?
The housing and support service needs for this population are numerous. The needs include access to housing, employment/jobs, transportation, recreation, and community. The Ability Center of Greater Toledo provides many programs to these residents with disabilities. The Ability Center is a non-profit Center for Independent Living (CIL) serving northwest Ohio. They provide six core services that include advocacy, information and referral, independent living skills, peer support and mentoring, transition, and diversion to support those in our community to thrive independently.
• Advocacy programs helps create systematic change at the local, state, and federal level to protect disability rights. • Information and referral programs provide information on disability-related issues and community resources that assist individuals to live independently. • Independent living skills programing aims to increase skills to help individuals gain more control of their lives and live independently in the community. • Peer support and mentoring helps support members of the disability community. Peer mentors provide shared experiences, feelings, and awareness of disability issues. • Transition programming provides support to people with disabilities to move out of nursing homes or institutions, preventing people with disabilities from entering institutions; and assisting youth transitioning from high school to adult life. Transition steps may include preparation for college or post-secondary training or obtaining competitive employment. • Diversion programs assist individuals to avoid institutional placement and promote community- based living.
Accessible and affordable housing is a key need for this population group. Housing which meets Uniform Federal Accessibility Standards are important, especially given the need for universal design and accommodating wheelchairs and other medical devices. Affordable housing is also important for this population group. Housing that is scattered throughout the Toledo metropolitan area that allows persons with disabilities a better opportunity to find employment, access public transportation and navigate more independently in their local communities continues to be in short supply. Many elderly persons and persons with disabilities contact The Ability Center to request assistance in locating such housing.
Other community support services for special needs populations and non-special needs populations include case management; counseling, education; employment training; family and caregiver support; financial assistance; meal and nutrition services; transportation (TARTA); and welfare/protective services.
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Discuss the size and characteristics of the population with HIV/AIDS and their families within the Eligible Metropolitan Statistical Area:
Ohio’s Department of Health HIV/AIDS surveillance data provides information on new diagnoses of HIV infection, persons living with an HIV infection, and deaths among persons with an HIV infection reported to the ODH from physicians, hospitals, outpatient facilities and labs. A diagnosis of HIV infection refers to persons newly diagnosed and reported with an HIV infection in a particular year, regardless of the stage of disease at initial diagnosis. This includes persons newly diagnosed with HIV (not AIDS), persons previously diagnosed with HIV who are now newly diagnosed with AIDS, and persons concurrently diagnosed with HIV and AIDS at initial diagnosis. Persons living with diagnosed HIV infection represent all persons ever diagnosed and reported with an HIV infection since the beginning of the epidemic living in Ohio who have not been reported as having died. Deaths among persons with an HIV infection represent deaths attributed to any cause among persons reported with a diagnosis of HIV infection.
In 2018, there were a total of 46 new cases of HIV infection documented in Lucas County, of which 40 were males and 6 were females. Of those newly infected, 41 percent were under 30-years of age. The racial group which had the largest percentage of new infections were Black/African Americans, which had 28 new cases which accounted for 61 percent of new infections.
In Lucas County there are in total 1,070 individuals living with and diagnosed with the HIV infection. The table below presents the breakdown of this data by sex. About 75 percent (801 individuals) of the HIV infected population are male, and 25 percent (269 individuals) are female.
Of those living with HIV, the highest percentages are in residents over the age of 40. This demographic accounts for 72 percent, or 767 individuals, of persons living with the HIV infection in Lucas County. That is not to say the focus should be on older residents. In fact, new documented cases of HIV were highest among residents under the age of 30. Interventions must continue to ensure education and safe practices are shared among all age cohorts in Lucas County.
The racial group that is most impacted by the HIV infection are Black/African Americans. This demographic accounts for 49 percent of individuals living with the HIV infection in Lucas County. The White population accounts for 41 percent of the total HIV infections. These rates closely mimic the total population distribution of the county.
Discussion: None
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NA-50 Non-Housing Community Development Needs – 91.215 (f) Describe the jurisdiction’s need for Public Facilities:
The need for adequate public facilities such as neighborhood community centers and senior centers is considered a high priority need by Toledo’s residents. Based on responses received from the online survey, this need was identified by over 90 percent of respondents.
The need for Parks and Recreation Area improvements is another high priority need identified by the citizens of Toledo. This need ranges from enhanced, cleaned, and improved parks to new facilities, such as a public recreation center that would promote recreational activities year around.
How were these needs determined?
In the development of the current five year Consolidated Plan, the City of Toledo undertook extensive outreach to the community to ensure the greatest number of citizens, businesses, non-profit organizations, and other community stakeholders were able to participate and assist in identifying high priority needs to better target resources.
The citizen participation process included multiple public meetings at locations accessible to impacted communities, participation in focus groups with key stakeholders, intergovernmental agency consultations, and collection of online resident surveys. Based on the results of this process, the greatest identified need for public facilities was for neighborhood and community center improvements (94%) and park improvements/park related activities (54%).
Describe the jurisdiction’s need for Public Improvements:
In its effort to understand the needs in the communities and neighborhoods within Toledo, the Community Survey asked respondents to rate the need for public improvements from high to low. Public improvements are those tangible items used by the public daily that can only be improved through public dollars and city-wide level of governance. Over 85% of survey respondents identified public infrastructure, including improvements to streets, sidewalks, water, and sewer, as a high priority need.
As well as in the most recent survey, past assessments of need in this area have identified specific areas such as Street and Sidewalk Improvement; Water, Sewer and Gas Line Improvements; Drainage Improvements; and Street Lighting high priority needs.
How were these needs determined?
In the development of the current five year Consolidated Plan, the City of Toledo undertook extensive outreach to the community to ensure the greatest number of citizens, businesses, non-profit
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organizations, and other community stakeholders were able to participate and assist in identifying high priority needs to better target resources.
The citizen participation process included multiple public meetings at locations accessible to impacted communities, participation in focus groups with key stakeholders, intergovernmental agency consultations, and collection of online resident surveys. Based on the results of this process, over 85% of respondents identified public infrastructure improvements as a high priority need.
Describe the jurisdiction’s need for Public Services:
There is a need for a great number of public services to LMI residents in Toledo, as evidenced by the overwhelming number of responses to the community survey in which thirteen types of public service activities were identified as high priority needs. While each of these different categories of public services (Youth Services, Community Centers, Legal Services, HIV/AIDS services, DV Prevention Services, Senior services, Educational Support, Crime Prevention, Mental Health Services, Disabled Services, and Health, Fair Housing and Child Care Services) received some level of support from residents as a high priority need in their communities, the majority of respondents identified the following activities as the highest priority needs:
• Services for Youth, including after school programs and Youth Centers (96%) • Crime Prevention activities (76%) • Child Care Services (74%) • Health Services (67%) • Senior Services (66%) • Education Support (63%) • Domestic Violence Prevention services (59%) • Services for Disable Persons (54%) • Legal Aid Services (51%)
While many other areas of need were identified individually by survey respondents as high priority needs, those areas received support from 50% or less of survey respondents collectively. Given the limited amount of funding available to address public services, there is little likelihood that funds would remain available to address these, so they are not listed here.
How were these needs determined?
In the development of the current five year Consolidated Plan, the City of Toledo undertook extensive outreach to the community to ensure the greatest number of citizens, businesses, non-profit organizations, and other community stakeholders were able to participate and assist in identifying high priority needs to better target resources.
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The citizen participation process included multiple public meetings at locations accessible to impacted communities, participation in focus groups with key stakeholders, intergovernmental agency consultations, and collection of online resident surveys. Based on the results of this process, the public service activities listed above were most often identified as a high priority need.
Other Non-Housing Community Development Needs:
Other non-housing community development needs identified through the Community Survey include Employment Training, Job Creation/Retention Activities, Small Business Assistance, Transportation Assistance, and Housing/Services for homeless and low-income individuals.
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Housing Market Analysis
MA-05 Overview Housing Market Analysis Overview:
Toledo has a long history of development that has favored single-family homes over denser urban forms. This predisposition to single-family homes gives Toledo a more suburban character than many other older American cities, which tend to be denser and contain more multi-unit and mixed-use building types. About 65 percent of Toledo’s housing stock are 1-unit detached structures, 11 percent of the housing stock consists of 2-4-unit structures, and 11 percent consists of 5-19 units. Only 7 percent of all housing units are contained in larger apartment structures consisting of 20 or more units.
A large portion of Toledo’s housing stock is old with 42 percent of all units built before 1950. An older housing stock can create several challenges including a rise in incidents of housing with lead-based paint, greater maintenance needs, and homes that may not meet the needs of today’s market. These issues can cause hardships for both owners and renters, and over time lead to depressed values.
Toledo’s rental and homeownership costs are low compared to other U.S. cities. The current median home value in Toledo is $78,200 compared to the state of Ohio’s median home value of $129,900. Median rent in Toledo is currently $512 per month. This is lower than the state median of $730. The median home value in Toledo declined by 21 percent between 2009 and 2015, while the median contract rent rose by 9 percent between 2009 and 2015. Despite, the comparatively low cost of housing in Toledo, for many lower-income households, affordable housing is still a challenge.
Public housing and the federal voucher program help bridge some of the housing gaps in Toledo. The Lucas Metropolitan Housing Authority (LMHA) has a housing portfolio consisting of 2,701 Public Housing units; 4,366 Housing Choice Vouchers; 32 Low-Income Housing Tax Credit units; 198 Market Rate units; and 53 Rent-to-Own properties. LMHA also provides programs and opportunities designed to improve the total quality of life for residents, with the goal of achieving self-sufficiency.
A critical element which influences housing markets are incomes. From the Needs Assessment, Toledo’s median income declined 6 percent from 2009 to 2015 and now sits at $33,687. The implications of a declining median income are significant given incomes influence the purchase and rental markets. Based on the data provided by HUD, the most common housing problem in Toledo are household spending more than 30 percent of their income on housing costs. There are also issues at certain income categories where severe cost burdening (spending more than 50 percent of income on housing costs) is also a challenge. There is a total of 26,120 renter households and 11,770 owner households in Toledo with incomes at or below 100 percent of AMI who are experiencing housing cost burdening. Cost burdened households account for nearly 35 percent of all households in Toledo. As households are forced to spend a greater percentage of their income on housing costs, disposable income for food, healthcare, education, childcare, and transportation becomes limited.
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MA-10 Number of Housing Units – 91.210(a)&(b)(2) Introduction
Toledo has a long history of development that has favored single-family homes over denser urban forms. This predisposition to single-family homes gives Toledo a more suburban character than many other older American cities, which tend to be denser and contain more multi-unit and mixed-use building types. About 65 percent of Toledo’s housing stock are 1-unit detached structures, 11 percent of the housing stock consists of 2-4-unit structures, and 11 percent consists of 5-19 units. Only 7 percent of all housing units are contained in larger apartment structures consisting of 20 or more units.
Most of Toledo’s housing units have three or more bedrooms accounting for 47 percent of all units. Of homeownership units, 77 percent have three or more bedrooms, while 31 percent of rental units have three or more bedrooms. Rental units tend to be smaller with 66 percent of all units having one- or two- bedrooms. This is typical in most markets where owner-occupied housing tends to be for families, while rental units cater to a much broader range of household compositions. As Toledo’s population continues to age, considerations should be given to the mix of rental unit sizes and accessibility to ensure the housing meets future need.
All residential properties by number of units
Property Type Number % 1-unit detached structure 90,275 65% 1-unit, attached structure 4,710 3% 2-4 units 15,050 11% 5-19 units 15,790 11% 20 or more units 9,885 7% Mobile Home, boat, RV, van, etc. 2,765 2% Total 138,475 100% Table 27 – Residential Properties by Unit Number Data Source: 2011-2015 ACS
Unit Size by Tenure
Owners Renters Number % Number % No bedroom 65 0% 1,330 2% 1 bedroom 1,115 2% 13,370 24% 2 bedrooms 13,150 21% 23,005 42% 3 or more bedrooms 48,420 77% 17,080 31% Total 62,750 100% 54,785 99% Table 28 – Unit Size by Tenure Data Source: 2011-2015 ACS
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Alternative Data Table - Housing Assistance - Toledo MA-10
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Targeted Neighborhood Demolition Timeline Estimated # of Homes North Toledo May 2017 – May 2018 400 East Toledo June 2018 – December 2018 200 Central Toledo December 2018 – June 2019 325 West Toledo June 2019 – March 2020 300 South Toledo April 2020 – October 2020 360 Citywide Ongoing thru September 2020 110 Source: Lucas County Land Bank, 2019 Table 29 - Lucas County Land Bank Demolition Timeline
Describe the number and targeting (income level/type of family served) of units assisted with federal, state, and local programs.
The City of Toledo’s Consolidated Annual Performance and Evaluation Report (CAPER) submitted to HUD in 2017 shows financial assistance being targeted to households of different income levels and race. As an entitlement community, the city received about $6,700,000 in Community Development Block Grant (CDBG) funds and $250,000 in program income for the 2017 program year. This money was disbursed across various programs and leveraged in conjunction with third-party partners. Assistance to housing units includes, but is not limited to, rehabilitation efforts (owner-occupied and rental), housing code enforcement, treatment for lead paint, demolition of dilapidated property, and down payment assistance. The assistance provided tends to be targeted to low-income families (including seniors and people with disabilities).
The table above presents a high-level summary of the assistance provided by the City of Toledo to households. In total, about 7,139 households were assisted with federal, state, and local programs based on the city’s strategic plan. Of the total CDBG and HOME funding, about 56 percent went to minority individuals and families.
Provide an assessment of units expected to be lost from the affordable housing inventory for any reason, such as expiration of Section 8 contracts.
Many LMHA properties are more than 50 years old with extensive maintenance requirements. In addition, these properties have outdated, non-functional designs that may contribute to unsafe living conditions for LMHA residents. As part of the plan to overhaul some of the existing but outdated housing units, LMHA will be submitting applications to HUD to allow for the demolition of these properties. LMHA is working to prioritize sites being considered for demolition and to also recreate replacement units.
The Lucas County Land Bank is active in vacant property demolition and created a guiding plan called the Project 2020 Action Plan to prioritize demolition areas of the city. Based on the plan, the Ohio Housing Finance Agency's Neighborhood Initiative Program (NIP) will provide grant funding to the Land Bank in the amount of about $29,000,000 between the years 2014 and 2020. The Land Bank will use the money for demolition and greening improvement expenses. For the time of the grant (2014), the Land Bank
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anticipates demolishing more than 2,800 properties by 2020. Demolition is being done in partnership with the City of Toledo and private contractors. The Land Bank’s schedule for demolition is presented above.
Since 2016, Local Initiatives Support Corp (LISC) facilitated a working group to address issues with Toledo’s portfolio of approximately 750 scattered site single family homes built with the Low-Income Housing Tax Credit program in the early to mid-2000s. The name of the program is the Year Sixteen Initiative, and helps existing tenants acquire affordable units that are reaching the end of their mandated 15-year compliance period of affordability.
Does the availability of housing units meet the needs of the population?
Comparing the total number of households to the total number of housing units, Toledo has enough units to serve its residents. However, there remains a mismatch between available housing that is affordable to households at different income levels and demand for housing at those price points. Toledo lost 30,473 people, or 10 percent of its population, between 2000 and 2015 which left the city with an oversupply of housing units. Many of these units went vacant during the Great Recession and the City and its partners have been working diligently to clean up, demolish, and off load units and properties in hardest hit neighborhoods. Unfortunately, many of these neighborhoods that were impacted by the Great Recession likely had much of the naturally occurring affordable housing to begin with. The reduction of housing supply in these neighborhoods add to affordability challenges in Toledo.
Looking at the age of housing units in Toledo tells the story of when and where housing was developed across the city. Of Toledo’s housing stock, about 42 percent of the units were built before 1950 and 45 percent were built between 1950 and 1979. Of the housing found in Toledo, about 35 percent have at least one of the selected housing issues identified by HUD. This translates to 40,625 units, comprised of 14,215 owner occupied units and 26,410 renter occupied units. Rental units are of concern because landlords may not necessarily reinvest in the properties and make the necessary improvements to maintain a high-quality standard.
In total, about 87 percent of all housing units in Toledo were built before 1979 which can be an indicator for risk of lead-based paint. Lead paint is an environmental hazard which can have particularly harmful effects on children in the home if not taken care of. Based on data provided by HUD there are 3,005 housing units which were built before 1979 and have children living in them who may be at risk of exposure. Lead education and home repair/mitigation funds are needed to maintain and increase the availability of housing without lead exposure for residents in Toledo. Given the age of the housing stock in Toledo, the need for homeowner, landlord, and tenant education is a key in maintaining a housing stock that is adequately upgraded and safe.
Describe the need for specific types of housing:
Based on the overall conditions of the housing stock from the data provided by HUD and the Needs Assessment section of the Consolidated Plan, the following specific types of housing are needed in Toledo:
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• Rental housing for singles, including the elderly and disabled. • Permanent supportive housing for single individuals and families. • Housing without one or more of the HUD classified housing problems. • Affordable housing in safe neighborhoods for low- and moderate- income households. • Lead free homes. • Housing located on public transportation routes and close to places of employment.
Housing affordability remains a prominent challenge in Toledo. The combination of lower levels of education, job and skills training, and high unemployment rates among younger residents are reinforcing lower household incomes. This is particularly true for, although not exclusive to, Black/African American residents. From a market perspective, lower households’ incomes translate directly to a greater need for diversity in the housing stock where units are offered at a variety of price points to match what households can afford. Currently, 49 percent of all Toledo households are considered cost burdened. This is compounded by the fact that the median household income in Toledo dropped 6 percent from 2009 to 2015. Building more affordable housing units and rehabbing units in lower-value neighborhoods could help reduce the mismatch between housing costs and what many lower-income Toledo households can afford.
Discussion None
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MA-15 Housing Market Analysis: Cost of Housing - 91.210(a) Introduction
Toledo’s rental and homeownership costs are low compared to other U.S. cities. The current median home value in Toledo is $78,200 compared to the state of Ohio’s median home value of $129,900. Median rent in Toledo is currently $512 per month. This is lower than the state median of $730. As shown in Table 28, The median home value in Toledo declined by 21 percent between 2009 and 2015, while the median contract rent rose by 9 percent between 2009 and 2015. Despite, the comparatively low cost of housing in Toledo, for many lower-income households, affordable housing is still a challenge.
Cost of Housing
Base Year: 2009 Most Recent Year: 2015 % Change Median Home Value 98,700 78,200 (21%) Median Contract Rent 468 512 9% Table 30 – Cost of Housing
Data Source: 2005-2009 ACS (Base Year), 2011-2015 ACS (Most Recent Year)
Rent Paid Number % Less than $500 26,945 49.2% $500-999 26,385 48.2% $1,000-1,499 1,215 2.2% $1,500-1,999 125 0.2% $2,000 or more 125 0.2% Total 54,795 100.0% Table 31 - Rent Paid Data Source: 2011-2015 ACS
Housing Affordability
% Units affordable to Households Renter Owner earning 30% HAMFI 6,690 No Data 50% HAMFI 24,260 11,375 80% HAMFI 43,165 24,415 100% HAMFI No Data 32,029 Total 74,115 67,819 Table 32 – Housing Affordability Data Source: 2011-2015 CHAS
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Monthly Rent
Monthly Rent ($) Efficiency (no 1 Bedroom 2 Bedroom 3 Bedroom 4 Bedroom bedroom) Fair Market Rent 465 557 726 994 1,093 High HOME Rent 465 557 726 994 1,093 Low HOME Rent 465 557 726 873 975 Table 33 – Monthly Rent Data Source: HUD FMR and HOME Rents
Is there sufficient housing for households at all income levels?
While there are many housing units available in Toledo, there is not enough decent, and safe affordable housing at every income level. The housing needs assessment shows that low income households tend to have the fewest housing choices, which translates into having a greater propensity of to live in units with at least one identified HUD housing issue. The predominate HUD housing issue found in Toledo is housing cost burdening with about 35 percent of all households experiencing some form of housing problem. A relationship exists between cost burdening and incomes, the lower the income the greater the propensity to experience cost burdening. In Toledo incomes are low, particularly for renter households. While in many cases, households below 30 percent of HAMFI qualify for public housing or vouchers, the waitlists for these programs are long and therefore households cannot rely on these programs with any level of certainty and must therefore pay market rents for potentially substandard housing product.
How is affordability of housing likely to change considering changes to home values and/or rents?
Changes in housing affordability across Toledo is a two-sided coin. Between 2009 and 2015, the median value of owner-occupied units fell by 21 percent translating into more affordable home prices today compared to ten years ago. For renter households, the opposite is true. Median contract rents have risen 9 percent creating affordability challenges for some of Toledo’s most at-risk households. These price increases occurred over a time period when median household income declined by 6 percent. Not only did monthly rent prices increase, but household incomes declined.
Some of the decline in owner-occupied housing values is likely due to the after-effects of the Great Recession. In neighborhoods were vacant and foreclosed units were major issues, values on those properties and surrounding properties likely fell. As homes remained vacant or hung up in the foreclosure process, maintenance was neglected, homes continued to deteriorate, and many had to be condemned and demolished. This cycle has a profound impact on housing values for the remaining occupied units in a neighborhood, as the area may now give off the perception of being unsafe or undesirable.
One additional after effect of the Great Recession and loss of owner-occupied housing is many households were forced to then become renters. This may be due to the loss of the home through foreclosure, or the
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loss of income and savings while trying to bridge periods of unemployment. This may have impacted steady streams of income, credit score, and/or down payment savings that could have been used to move into an owner-occupied unit. Instead, many households found themselves back in the rental market which in turn drives demand for units and results in median rent increases over time. These supply and demand trends can then create issues around affordability as rental prices increase and access to personal financial resources or traditional lending sources becomes more difficult.
Even though 49 percent of households pay less than $500 a month in rent, which is below the fair market rent for a one-bedroom unit, many households have severe housing problems including cost burdening. As such, affordability can be tackled by creating pathways toward increasing incomes and the available resources for programs which assist in making homes available to low- and moderate-income households. Efforts directed towards this goal should include:
• Education and job training. • Economic development programs that assist in attracting higher wage jobs to Toledo and retention of existing jobs. • Down Payment Assistance. • Assistance for home repairs/rehabilitation and energy efficient upgrades. • Deep rental subsidies for extremely low-income renters. • Financial literacy training. • Home maintenance training. • Improved transportation services.
By increasing housing affordability and improving incomes, households will experience more financial stability, be able to invest in the long-term upkeep of their homes and stabilize neighborhoods that may still be feeling the aftereffects of the Recession.
How do HOME rents / Fair Market Rent compare to Area Median Rent? How might this impact your strategy to produce or preserve affordable housing?
The median contract rent for Toledo in 2015 was $512 per month, which is less than nearly all the HUD FMR monthly rents except for efficiency units. For one-bedroom units the HUD FMR rent was $557 per month which is about 9 percent greater than the median rent. For two-bedroom units the gap increased to $726 per month, or 42 percent greater. Similarly, for three-bedroom units, the HUD FMR rent was $994 per month, and is about 94 percent greater than the median rent in Toledo.
Median contract rents in Toledo are a direct reflection of what households can afford to pay. With a median household income that is below the County and State, renter households in Toledo cannot afford to pay high rents. With housing values depressed across many neighborhoods in the City, rents remain low to be competitive and there is likely little incentive for property owners or developers to introduce a significant amount of new product to the market. Rental units priced toward the bottom of the market
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are likely in older structures that need repair or may have some of the housing issues that HUD regularly tracks.
The table below presents the Median Gross Rent by Bedroom for Toledo. While this information is not the same as contract rent (gross rent is the contract rent plus the estimated average monthly cost of utilities and heating fuels) what can be observed is that the FMR is still higher than the median gross rents found in Toledo. Looking at two-bedroom units, the HUD FMR rent is $726 while the median gross rent is $660. This indicates that rents from strictly a pricing standpoint are low. However, given the large numbers of low-income households across the city, affordability remains a key issue and contributes to the cost burdening of many households in Toledo.
Preserving naturally occurring affordable housing in Toledo may require a strategy of working with existing owners to improve the conditions of the units, particularly those located within older structures where maintenance has been neglected over time. The low rents might also impact the strategy to produce or preserve affordable housing because the existing housing, which may have maintenance issues, will still be cheaper than housing units which have been renovated. For low-income households, pricing of units is key, and increasing housing prices would further increase the potential for cost burdening.
Discussion None
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MA-20 Housing Market Analysis: Condition of Housing – 91.210(a) Introduction
Most of Toledo’s housing stock was built before 1980. Due to age, many of these homes are likely in need of some level of repair. The city has lost nearly 20 percent of its population over the last 30 years, which resulted in large numbers of vacant and abandoned properties. A consequence of the population loss is that new unit construction is minimal, and that the rehabilitation and renovation of structures has become more of the norm. Through investments in neighborhoods, communities can be strengthened and revitalized. Additionally, those neighborhoods that are on the cusp of seeing increased vacancy and lower property values, can be bolstered via targeted investment in both people and place.
Major issues identified across Toledo are vacant and abandoned property, blight, substandard housing, and housing affordability. The city’s Division of Code Enforcement actively monitors and assesses housing conditions to ensure public safety and compliance with rules and regulations. In 2018, the division had the following statistics:
2018 Code Enforcement Statistics Enforcement Categories Count Number of Requests for Service 16,672 Number of Inspections 10,187 Number of Violations Issued 23,332 30-day Housing & Nuisance Violations 1,445 72 hr. Public Nuisance Orders 5,802 Zoning Violation Orders 430 Number of Referrals for Abatement (City Crews) 3,881 Number of Referrals for Abatement (Mowing Partners) 7,766 Number of Demolitions Completed 410 Notice of Liability (NOL) Tickets Issued 2,243 Affidavits Filed with Municipal Court 981 Donation Container Registrations 72 Unfit for Human Habitation Orders 51 Vacant Residential Building Registration 2,045 Fire/Emergency Demolition 70 Source: City of Toledo, Division of Code Enforcement, 2019
While there is still significant work to be done about blight mitigation and housing rehabilitation, the City is actively using CDBG funding to partially fund code enforcement inspections in low- and moderate- income areas that are deteriorated or deteriorating. Based on a 2016 memo on code enforcement from the Acting Director of the Department of Neighborhoods, most of the CDBG funded inspection locations coincide with the City of Toledo’s Council Districts 1, 3, and 4 (excluding census tracts 6, 7, 13.03, 21, 44, 74, and 75). Additionally, some CDBG funds are also allocated to Council Districts 2, 5, and 6 (specifically in census tracts 9, 13.02, 57.01, 59.02, and 68). Consolidated Plan TOLEDO 89 OMB Control No: 2506-0117 (exp. 06/30/2018)
Definitions
The City of Toledo adopts the following definitions:
Blight - Is a public nuisance; an attractive nuisance; a fire hazard or is otherwise dangerous; has had the utilities, plumbing, heating or sewerage disconnected, destroyed, removed, or rendered ineffective; a tax reverted property; owned or is under the control of a land bank; has been vacant for five consecutive years; and not maintained to code, has code violations posing a severe and immediate health or safety threat; open to the elements and trespassing,
Blight Indicators - Structures that did not meet the definition of blight yet had the following characteristics: were unoccupied and/or abandoned, or were publicly owned by local or state authorities, or owned by Government Sponsored Entities (such as Fannie Mae and Freddie Mae)
Standard Condition – Unit meets HUD Housing Quality Standard (HQS) and all state and local codes and is made lead safe.
Substandard Condition – units that have not met the above standards and are both structurally and financially feasible to rehabilitate.
Condition of Units
Condition of Units Owner-Occupied Renter-Occupied Number % Number % With one selected Condition 14,215 23% 26,410 48% With two selected Conditions 400 1% 1,035 2% With three selected Conditions 30 0% 60 0% With four selected Conditions 0 0% 0 0% No selected Conditions 48,100 77% 27,275 50% Total 62,745 101% 54,780 100% Table 34 - Condition of Units Data Source: 2011-2015 ACS
Year Unit Built
Year Unit Built Owner-Occupied Renter-Occupied Number % Number % 2000 or later 1,065 2% 3,060 6% 1980-1999 3,430 5% 8,200 15% 1950-1979 28,955 46% 23,420 43% Before 1950 29,295 47% 20,105 37% Total 62,745 100% 54,785 101% Table 35 – Year Unit Built
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Data Source: 2011-2015 CHAS
Risk of Lead-Based Paint Hazard Risk of Lead-Based Paint Hazard Owner-Occupied Renter-Occupied Number % Number % Total Number of Units Built Before 1980 58,250 93% 43,525 79% Housing Units build before 1980 with children present 2,455 4% 550 1% Table 36 – Risk of Lead-Based Paint Data Source: 2011-2015 ACS (Total Units) 2011-2015 CHAS (Units with Children present)
Vacant Units
Suitable for Not Suitable for Total Rehabilitation Rehabilitation Vacant Units 4,263 0 4,263 Abandoned Vacant Units 0 1,993 1,993 REO Properties 0 0 0 Abandoned REO Properties 0 0 0 Table 37 - Vacant Units Alternate Data Source Name: Vacant & Abandoned Units Suitable for Rehab Data Source Comments: City of Toledo Code Enforcement Division - July 2020
Need for Owner and Rental Rehabilitation
Local housing conditions are a contributor to housing values and an influencer of market forces. Vacant housing units have been an issue for some time in Toledo. There are 20,942 vacant housing units in the city, which accounts for 15 percent of the entire housing stock. Vacancy has increased from 14 percent in 2011 to 15 percent in 2015. Of the vacant units, 54 percent or 11,401 are classified as Vacant-Other which indicates these units are in various states of disrepair, have title issues, or have been abandoned. Between 2011 and 2015, the number of units categorized as Vacant-Other increased by 2,508 units or 28 percent. While the city has an active demolition program, and the Lucas County Land Bank has a program in place to demolish over 1,700 units, the number of vacant units was still high.
The categories of selected conditions defined by HUD are (1) lacks complete plumbing facilities, (2) lacks complete kitchen facilities, (3) more than one person per room, and (4) cost burden greater than 30%. Of all the housing units found in the city, about 35 percent, or 40,625 units have one of the selected conditions. From the Needs Assessment, the predominate condition is cost burdening where households are spending greater than 30 percent of their income on rent.
Aside from units which are completely vacant, the need for rehabilitating occupied structures is also great for rental and owner-occupied units. The rehabilitation of units offers residents safety and security in their
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homes. Improvements such as upgraded eclectic, mechanical systems, windows, roofs, and lead paint abatement improve quality of life for residents. The City offers a variety of programs to address some of the key rehabilitation issues. One such program is the Owner-Occupied Rehabilitation Program designed to assist property owners in fixing code problems such as leaky roofs, faulty furnaces, crumbling foundations, and possible lead hazard issues. On the rental side, the Rental Rehabilitation Program provides landlords renting to low- and moderate-income households assistance in rehabilitating their multifamily buildings.
From the data there are 14,215 owner-occupied units and 26,410 renter-occupied units with one housing problem. The Needs Assessment showed most households in the 0 – 30% income bracket are living in conditions which cause them to have either a housing problem or a severe housing problem. The sales price points and monthly rents paid by households across the city may be an indicator that the current housing stock is older and not well-maintained. If housing values are not increasing, it may be more difficult to encourage homeowners and building owners to invest in their properties when they are unlikely to see a return on that investment. Residents with longer-term plans to stay in Toledo may be more likely to make that initial investment as they will have a longer period to pay it back, but residents with shorter time frames or older residents are less likely.
Estimated Number of Housing Units Occupied by Low- or Moderate-Income Families with LBP Hazards
In total, about 101,775 housing units or 87 percent of all the housing stock in Toledo was built before 1980 which can be an indicator for risk of lead-based paint. Lead paint is an environmental hazard which can have particularly harmful effects on children in the home if not taken care of. Based on data provided by HUD there are 3,005 housing units which were built before 1980 and have children living in them who may be at risk of exposure. The data also shows that about 49,400 housing units (occupied by both renters and owners) were built before 1950 and have a median value of $70,000, it may be a fair assumption that many of these structures have not undergone significant rehabilitation. It may be the case that the cost of the necessary renovation may be in excess of the value of the home. For comparison, the median value for a housing unit built before 1950 is about $70,000 while the median value of a home built during the 1990’s was $142,000. The contrast in values indicates a desirability and demand issue for the lower valued housing stock.
Discussion None.
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MA-25 Public and Assisted Housing – 91.210(b) Introduction
Having a secure and safe place to live is the most immediate need of residents in public housing and/or those who have Housing Choice vouchers. The stability that a safe home can provide cannot be underestimated. Residents of public housing, or households with Housing Choice vouchers are predominately low-income, and in many cases extremely low-income.
Demand for affordable and available housing in Toledo is strong. Based on the limited resources available to these households, wait times for housing can occur. The Annual Public Housing Authority Plan for LMHA shows that the waiting list for public housing has 2,332 households. About 87 percent of the list is made up of extremely low-income households, 11 percent are very low-income households, and 2 percent are low-income households. From a racial perspective, about one-third of the waitlist is comprised of White residents, and nearly two-thirds are Black/African American residents. The waitlist for Housing Choice Vouchers has been closed for the last 36 months and the public housing authority does not expect the list to reopen in the coming year.
With such a high level of demand, prioritization of housing assistance takes place to target family units with the greatest need. Some categories which received prioritization include veterans and veteran families; those enrolled in educational, training, or upward mobility programs; victims of natural disaster/displacement; disabled families and individuals; and homeless families and individuals.
Totals Number of Units
Program Type Certificate Mod- Public Vouchers Rehab Housing Total Project - Tenant - Special Purpose Voucher based based Veterans Family Disabled Affairs Unification * Supportive Program Housing # of units vouchers available 0 42 3,112 3,967 420 3,547 317 359 2,944 # of accessible units *includes Non-Elderly Disabled, Mainstream One-Year, Mainstream Five-year, and Nursing Home Transition Table 38 – Total Number of Units by Program Type Data PIC (PIH Information Center) Source:
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Describe the supply of public housing developments:
Describe the number and physical condition of public housing units in the jurisdiction, including those that are participating in an approved Public Housing Agency Plan:
The Lucas Metropolitan Housing Authority (LMHA) has a housing portfolio consisting of 2,701 Public Housing units; 4,366 Housing Choice Vouchers; 32 Low-Income Housing Tax Credit units; 198 Market Rate units; and 53 Rent-to-Own properties. LMHA also provides programs and opportunities designed to improve the total quality of life for residents, with the goal of achieving self-sufficiency. LMHA also manages the Housing Choice Voucher (HCV) program, formerly known as Section 8, for the City of Toledo. The HCV program includes tenant-based vouchers, project-based vouchers, and special purpose vouchers.
The housing developments owned and operated by the housing authority are located across the city and take a variety of forms, from low-rise developments to high-rise buildings. The developments tend to be older and their physical conditions vary. LMHA has a $250 million strategy to reposition, rehabilitate, and redevelop their portfolio in the coming years.
The HUD Real Estate Assessment Center (REAC) has the mission to provide and promote the effective use of accurate, timely, and reliable information in assessing the condition of HUD's portfolio. The REAC conducts inspections of HUD funded projects to ensure that safe, decent, and affordable housing is being provided to residents. Based on data provided by the REAC of the eight LMHA public housing projects inspected, scores ranged from 50 to 90, with an average score of 76 across all developments. There are four of the eight LMHA development projects which have a score of less than 80. Generally, of the 69 multifamily housing developments inspected by REAC the inspection scores ranged from 40 to 100 points, with 86 being the average score.
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Public Housing Condition
Public Housing Development Average Inspection Score Collingwood Green, Phase II 90 WEST 2 - AMP 112 50 EAST 1 - AMP 121 89 WEST 1 - AMP 111 68 COLLINGWOOD GREEN, Phase 1 89 EAST 2 - AMP 122 80 CENTRAL 1 - AMP 131 79 CENTRAL 3 - AMP 133 65 Table 39 - Public Housing Condition
Describe the restoration and revitalization needs of public housing units in the jurisdiction:
LMHA has a $250 million strategy to reposition, rehabilitate and redevelop their portfolio over the next several years. The strategy is divided into four components: demolition, new development, disposition, and rehabilitation.
Regarding demolition, many LMHA properties are more than 50 years old with extensive physical needs. In addition, these properties have outdated, non-functional designs that contribute to unsafe living conditions for LMHA residents. Over the next several years, LMHA will be submitting applications to HUD to allow the demolition of these sites. LMHA is working to prioritize sites being considered for demolition.
LMHA will be implementing an aggressive new development program for several of the sites planned for demolition as well as looking at other opportunities to develop new sites. Construction of the 55-unit Collingwood Green Phase III site is currently underway and expected to be completed in early 2020. Many Lucas County residents have special needs for housing that are not currently being met by the private market and cannot be met with LMHA’s existing public housing portfolio. Some of these special needs include housing for the homeless and youth aging out of foster care and re-entry. LMHA will be working with its selected Development Partner to identify funding sources and provide additional housing opportunities for these residents.
LMHA currently has more than 200 scattered sites in its portfolio spread across all of Lucas County. Management and operations of these scattered sites is extremely inefficient and not cost effective. In addition, these scattered sites have more than $20 million of physical maintenance needs. LMHA will be looking to dispose of a large portion of these sites to generate funding to support redevelopment activities and to eliminate the cost of repairs.
LMHA continues to implement capital improvements and is accelerating activities to repair and upgrade existing sites. By the middle of 2020, LMHA will have more than $5 million of construction in progress to improve living conditions for its public housing residents. Other than the recently constructed Collingwood Consolidated Plan TOLEDO 95 OMB Control No: 2506-0117 (exp. 06/30/2018)
Green sites and the Scattered Sites, LMHA’s public housing units range in age from 37 years to 80 years old. The 2016 Physical Needs Assessment estimated that LMHA will need to make almost $50 million of capital improvements from 2016 through 2020 and more than $217 million through 2035.
Accessibility upgrades are included as a standard specification in a majority of its capital improvement. For example, LMHA recently converted Parqwood Apartments from traditional public housing to Project- Based Vouchers under the new Rental Assistance Demonstration (RAD). Updates to the 134 unit building included accessibility upgrades, finishes and fixtures replacements, window replacement, replacement of the major mechanical systems, and improvements of public spaces.
Describe the public housing agency's strategy for improving the living environment of low- and moderate-income families residing in public housing:
The strategy which LMHA plans to undertake is explained in the above section. They are attempting a $250 million strategy to reposition, rehabilitate, and redevelop their portfolio over the next several years. The strategy is divided into four components: demolition, new development, disposition, and rehabilitation. They are actively working on implementing this strategy. A key success story from the strategy includes the Collingwood Green development.
Collingwood Green is a new mixed income community located near the Toledo Central Business District, being developed by the Lucas Metropolitan Housing Authority on the former Brand Whitlock Homes and Brand Whitlock Extension and Albertus Brown public housing communities. Phase I is a fully occupied 65 mid-rise unit for the elderly. Phase II is a recently completed 68-unit family townhouse development. Phase III will build upon the same themes of Phase I & II and will add 55 additional 2-, 3-, and 4- bedroom family units. The City of Toledo committed more than $9 million to public infrastructure funding (new water lines, sanitary and storm sewers, roads).
Discussion: None.
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MA-30 Homeless Facilities and Services – 91.210(c) Introduction
This section presents information about homeless service providers and facilities found in Toledo. The organizations and services are part of the Toledo Continuum of Care (CoC) which is a local planning process that helps communities plan for and provide a full range of prevention, emergency shelter, transitional housing, permanent supportive housing and supportive service resources to address the various needs of homeless individuals and families. The definitions below provide greater detail regarding the types of housing provided for the homeless population.
Emergency Shelter - Any facility, the primary purpose of which is to provide a temporary shelter for the homeless in general or for specific populations of the homeless, and which does not require occupants to sign leases or occupancy agreements.
Transitional Housing - A project that is designed to provide housing and appropriate supportive services to homeless persons to facilitate movement to independent living within 24 months, or a longer period approved by HUD.
Permanent Supportive Housing - Permanent housing in which supportive services are provided to assist homeless persons with a disability to live independently.
Facilities and Housing Targeted to Homeless Households
Emergency Shelter Beds Transitional Permanent Supportive Housing Beds Housing Beds Year-Round Voucher / Current & Current & Under Beds Seasonal / New New Development (Current & Overflow New) Beds Households with Adult(s) and Child(ren) 249 0 85 449 0 Households with Only Adults 352 135 62 791 0 Chronically Homeless Households 0 0 0 106 0 Veterans 17 0 17 245 0 Unaccompanied Youth 14 0 449 26 0 Table 40 - Facilities and Housing Targeted to Homeless Households Data Source Source: 2018 PIT Count/CoC General Program Report Comments:
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Homeless Service Providers - Toledo - MA 30
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Describe mainstream services, such as health, mental health, and employment services to the extent those services are used to complement services targeted to homeless persons
The Toledo Lucas County Homelessness Board (TLCHB) serves as the governing body of the Toledo Lucas County CoC. Composed of 17 representatives of the local community including public sector, private sector, business sector, faith-based organizations, and funders. The Toledo/Lucas County CoC is well established and provides a range of services moving homeless households (single and family) into long- term permanent housing. The organization also fosters collaboration and target resources towards areas of prevention, outreach, and affordable housing. For 2018, Toledo Lucas County was awarded $4,300,000 from the HUD 2017 Continuum of Care Competition for new and renewal projects.
The TLCHB works collaboratively with community groups to oversee service delivery for vulnerable populations like the homeless. Key services and their providers are:
• Emergency Shelter o Beach House (Leading Families Home) Family Shelter o Family House o La Posada Family Shelter o St. Paul’s Community Center (excluding Winter Crisis Program) • Transitional Housing o Aurora Project o Zepf Women’s’ Transitional Housing • Permanent Supportive Housing o Catholic Charities Permanent Supportive Housing (formerly SAFAH) o Family Outreach Community United Services (FOCUS) Steps to Home PSH o Neighborhood Properties Inc. Families with Mental Illness, Families with Mental Illness Expansion, First Avenue, Fresh Start, Housing First, Pact, ODMH Homeless Prevention, Affordable Housing, and Veterans-Griffin o St. Paul’s Community Center Home Base & My Place o Treatment Accountability for Safer Communities (TASC) Walls for All o Volunteers of America Family Steps and Chestnut Hill o YWCA Apartments • Rapid Re-Housing (formerly Homeless Prevention and Rapid Re-Housing o Family Outreach Community United Services (FOCUS) Steps to Home, Steps to Home TH- C, and Steps to Home I&II o Lutheran Social Services Project Home and Stable Families Collaborative o Salvation Army o Treatment Accountability for Safer Communities (TASC) Project Home • Support Services Only - NHA / Mildred-Bayer • Coordinated Assessment - United Way of Greater Toledo 2-1-1
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List and describe services and facilities that meet the needs of homeless persons, particularly chronically homeless individuals and families, families with children, veterans and their families, and unaccompanied youth. If the services and facilities are listed on screen SP-40 Institutional Delivery Structure or screen MA-35 Special Needs Facilities and Services, describe how these facilities and services specifically address the needs of these populations.
The City of Toledo works with third-party entities to deliver services to vulnerable populations such as the homeless. The table above presents the names of these organizations and their activities.
Below is a listing of active homeless facilities in Toledo according to the homeless shelter directory. These facilities offer a variety of supportive services to clients who are homeless or in need.
The Sparrow's Nest - 24/7 facilities which serves women all hours of the day. The Sparrow's Nest is a 54- bed facility. The first floor is primarily used in service to those who are in emergency need or are candidates for the Ready for Life Program.
Family House - Largest shelter for families who are homeless in Northwest Ohio. Shelter and food provided, as well as intensive, individualized case management and supportive services. The goal at Family House is to help families in crisis to find permanent housing, and to regain control over their lives.
Rebekah's Haven - Women's and children's shelter. This shelter is run by the Toledo Gospel Rescue Mission.
Toledo Gospel Rescue Mission –Men's Shelter.
Cherry Street Mission Toledo - Cherry Street Mission Ministries (Cherry Street) mission serves those in need.
St. Paul's Community Center - St. Paul’s offers a variety of programs targeted to helping individuals in need.
Beach House Family Shelter - Helps homeless women and families regain independence. Serves: women; men or women with children; couples. Intake for shelters in Lucas County are processed through the United Way.
La Posada Family Emergency Shelter - Offers temporary housing and supportive services to homeless families of all faiths in the Toledo area. Direct services through La Posada include shelter, food, clothing, personal hygiene products and case management.
Interfaith Hospitality Network of Metro Toledo - Emergency shelter for only families. Empowers families to break the cycle of homelessness and poverty, while providing mission opportunities for individuals and faith-based communities.
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Family Counseling and Shelter - Emergency shelter and direct domestic violence services.
The Salvation Army Family Manor - Family Manor is an emergency shelter for families, single men with children, or single women who need temporary housing for up to 11 families and 4 single women. Qualifying individuals or families are eligible for up to 90 days stay per calendar year.
Philadelphia House 1- Men’s emergency shelters up to 90 days Shelter for up to 32 men. Men should be working or looking for work.
Cocoon Shelter - Domestic violence shelter which includes 24-hour access to advocacy and support; crisis intervention; emergency safe housing; safety planning; information and referrals; provision of emergency clothing, food, and basic needs; transportation; support groups, assistance with civil protection orders; and court advocacy.
Other service providers include local mental health facilities who work collaboratively with shelters and housing providers to ensure seamless service delivery for their clients. Through funding provided by the mental health board, clients are provided service enriched housing which allows them to live more independently. Additionally, Toledo Public Schools works with the CoC board to collaborate on identifying homeless youth and finding solutions to their situations. The local United Way also provides funding through a special grant for the purpose of funding case managers that work to re-house families with school age children within the same school catchment area, so they do not have to be uprooted from their current school.
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MA-35 Special Needs Facilities and Services – 91.210(d) Introduction
The Toledo Lucas County Homelessness Board (TLCHB) is the governing body of the Toledo Lucas County Continuum of Care. The TLCHB is comprised of 17 representatives of the local community, including public sector, private sector, faith-based organizations, funders, and the Toledo Area Alliance to End Homelessness (TAAEH). The TLCHB mission, primary function, vision, and core strategy respectively are to provide leadership for the elimination of homelessness; plan for and oversee a coordinated, comprehensive, and targeted response to homelessness in the County; all County citizens that desire to, will be homed; and the CASE Plan (Community Alliance and Strategic Efforts to End Homelessness Plan).
The plan must describe, to the extent information is available, facilities and services that assist persons who are not homeless but require supportive housing and programs for ensuring that persons returning from mental and physical health institutions receive appropriate supportive housing.
The CASE Plan, developed over several years of community planning, drives TLCHB’s vision to end homelessness, and it outlines four main goals: homeless prevention; coordinated homeless services; enough affordable housing; and community engagement, coordination, and oversight. These goals direct the efforts of TLCHB, TAAEH and their public and private partners in addressing homelessness to ensure everyone becomes homed. “Homed” is defined as living in safe, affordable permanent housing with adequate resources and support systems. The TLCHB addresses all the fundamental components of a Continuum of Care, including: Homeless prevention/shelter diversion, outreach and assessment and links to resources, emergency shelter as a safe, decent alternative to the streets, transitional housing with supportive services, and permanent housing with services in affordable, safe, accessible locations.
Including the elderly, frail elderly, persons with disabilities (mental, physical, developmental), persons with alcohol or other drug addictions, persons with HIV/AIDS and their families, public housing residents and any other categories the jurisdiction may specify, and describe their supportive housing needs
The TLCHB is working towards a fully implemented Housing First model that will allow all persons the same access to services. The TLCHB's permanent supportive housing plan has specific targets for those with dual diagnosis, severe and persistent mental illnesses, and disabilities. The AIDS Resource Center works with the HIV/AIDS population on issues of obtaining or maintaining housing. The Toledo Fair Housing Center provides legal expertise on fair housing laws and case studies on accessing housing.
A 2016 article in the American Journal of Public Health found strong evidence that homelessness and unstable or inadequate housing are inconsistent with the sound medical management of HIV. The 2018 Ohio HIV/AIDS Integrated Epidemiologic Profile states that HIV affects the state, but most cases are from
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the counties containing the eight largest urban areas including Lucas County. These counties account for 73 percent of persons with a HIV diagnosis in Ohio in 2014; but were 48 percent of Ohio’s population.
In PY18, Equitas Health received $1,433,595 in HOPWA funding to provide services to approximately 688 households in a statewide, multi-county service area including Lucas County. The Equitas Health (formerly known as the Aids Resource Center) report that a lack of access to adequate and affordable housing for People Living with HIV in Ohio continues to be a challenge in meeting their healthcare needs.
In 2018, the Cleveland Patch reported that there were 9.9 cases per 100,000 population in 2016 in Ohio, as recorded by the Centers for Disease Control. It further stated that Ohio's rate of HIV infection remains low compared to some regions like the Southwest and Southeast, but the opioid crisis could change that. Ohio has a higher HIV infection rate than neighboring states of Michigan (8.9 per 100,000 people), Indiana (8.8), and Kentucky (8.6).
Lack of system literacy is a barrier for entering and remaining in care. Health systems are very complex social structures to navigate especially for persons dealing with the emotional impact of HIV or other diagnosis. System literacy is defined as the ability to understand the complex system of medical providers, insurance options, case management services, housing, and other supports of a healthcare system.
Describe programs for ensuring that persons returning from mental and physical health institutions receive appropriate supportive housing
The State of Ohio has mandates for institutions to ensure they do not discharge patients or clients into a state of homelessness. To support this, the TLCHB works collaboratively with local hospitals, correctional facilities and recovery and addiction centers to preplan the housing needs of those being discharged. Also, the TLCHB has sustained a Coordinated Access model where all homeless persons or those serving homeless persons can call to access homeless prevention, diversion, and assignment to appropriate emergency shelter. The following are supportive housing and program services:
Neighborhood Properties, Inc. (NPI) - provides permanent supportive housing for persons living with mental illness and/or addiction disorders, NPI owns 540 apartments in 60 locations in Greater Toledo, including a wellness and recovery center and offers programs such as:
• First Avenue -- First Avenue helps young adults in NW Toledo coming out of the criminal justice system, living with severe mental illness to reintegrate into the community by increasing employment and fostering independence while avoiding involvement with the courts. Resources: 12 furnished apartment homes, a community room and laundry facilities. • HOPE -- The Homeless Outreach and Person-centered Engagement (HOPE) Project is a partnership between Zepf Center and NPI. The organizations focus on recovery wellness and housing supports to provide a variety of services and resources that assist families and individuals attain stable housing while improving their quality of life. It serves individuals with a mental health and/or substance abuse challenge.
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• Homeless Veterans -- NPI has a program in South Toledo for homeless veterans with mental illness with 20 apartment homes with on-site support, and referrals and mental healthcare. • Safe Haven -- Safe Haven offers housing for chronically homeless individuals with mental illness with 12 apartment homes in the central city just west of downtown Toledo. • Zepf Center is a nonprofit that provides behavioral health and vocational services to youth and adults with severe and persistent mental illness in Lucas County. Zepf provides transitional housing that is recovery-focused with a foundation of stability and security for individuals in early sobriety in a residential sober living environment for individuals with a substance abuse problem.
Ability Center of Greater Toledo is a Center for Independent Living, serving people with disabilities through Advocacy, Assistance Dogs for Achieving Independence, Community Living, Equipment Loans, Home Accessibility, Information and Referral, and Life Skills.
Ohio’s HOME Choice program transitions eligible Ohioans from institutional settings to home and community-based settings, where they receive services and supports at home and in their communities. HOME Choice transitions individuals age 18 and older to move from a long-term care facility (e.g. nursing facility, hospital, or ICF-IID) into a home and community-based setting.
Anne Grady Services is a private, Northwest Ohio nonprofit charitable organization which provides quality care to individuals with intellectual disabilities. From licensed community homes to apartments with in- home care, they have a variety of residential settings, including eight intermediate care facilities (ICFs).
Preferred Properties, Inc. is a nonprofit charitable organization in Toledo that develops, manages, and maintains accessible and affordable housing for persons with disabilities, seniors, and others in need.
Specify the activities that the jurisdiction plans to undertake during the next year to address the housing and supportive services needs identified in accordance with 91.215(e) with respect to persons who are not homeless but have other special needs. Link to one-year goals. 91.315(e)
The TLCHB and the Toledo Lucas County CoC members continue outreach efforts and ways to expand opportunities for collaboration to more fully include all persons who may be at highest risk of becoming homeless. Efforts to assist the supportive housing needs of those with special needs, as well as prevent those households and individuals from falling into homelessness, are a priority as the City of Toledo works towards eliminating homelessness. By presenting educational opportunities regarding financial, medical, behavioral, and other issues that can help stabilize a household, the City hopes to prevent many borderline households from entering homelessness. The following one-year goals will address the housing and supportive services of persons who are not homeless but have other special needs:
• Public Services o Youth Programs o Soup Kitchens and Feeding Programs
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o Life Enrichment and Skills Programs • Affordable Housing o Home Repairs for Seniors and the Disabled o Elimination of Lead-based paint o Housing Repairs and Rehabilitation • Obtaining/Maintaining Housing Affordability o Foreclosure Prevention o Housing Legal Assistance • Fair Housing: Ensuring fair housing practices
For entitlement/consortia grantees: Specify the activities that the jurisdiction plans to undertake during the next year to address the housing and supportive services needs identified in accordance with 91.215(e) with respect to persons who are not homeless but have other special needs. Link to one-year goals. (91.220(2))
Not applicable
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MA-40 Barriers to Affordable Housing – 91.210(e) Negative Effects of Public Policies on Affordable Housing and Residential Investment
The City does not impose any public policies that would present barriers to affordable housing, such as rent controls or impact fees. The City instead strives to ensure inclusionary zoning through policies such as allowing multifamily housing in select residential districts (as well as in commercial and mixed-use districts) and the use of flexible zoning standards for existing undersized lots to facilitate infill. While most land in the City is already developed, zoning policies are considerate of the continued need for inclusionary practices to provide opportunities for the development of affordable housing development.
While hurdles to affordable housing exist, many of these are outside of City control. E.g., higher land, and rehabilitation costs in underdeveloped areas of the city can significantly increase development costs and increase rehabilitation costs to bring units up to code. Additionally, conditions such as population outflow to surrounding suburbs, and poor property maintenance can result in loss of viable housing stock through vacancy and dilapidation. These conditions often disproportionately restrict housing opportunities for LMI individuals and impose higher housing costs, reducing the range of housing choices in many neighborhoods.
Suitable infrastructure is widely available in the city, but continued code enforcement efforts are needed to maintain the current affordable housing stock in usable condition and stabilize existing neighborhoods. While these efforts are needed throughout the City, Toledo limits the use of CDBG funding for code enforcement activities only to eligible low- and moderate-income areas that are deteriorated or deteriorating.
The Planning and Zoning Code also regulates intensity and density, which may influence affordability depending on the area and the level of participation of stakeholders in the planning process. For each of the respective zoning districts, overlay zones, and their respective uses; the maximum number of dwelling units, minimum setbacks, floor area ratios, and individual parcel characteristics determine the permissible density of development and may impact the availability of affordable housing options.
The State of Ohio’s homestead tax exemption has a significant effect on the affordability of housing for qualifying homeowners. From 2014, income requirements apply to new recipients, making the exemption more restrictive and unavailable to all senior citizens. New recipients are eligible only if their income is equal to or less than the amount prescribed by State law, thereby increasing annual property taxes an average of $500 per year.
To address the growing need for access to affordable housing for all, the City of Toledo recently conducted its 2019-2020 Analysis of Impediments to Fair Housing Choice (AI). The AI analyzed the previous 2015 impediments and conducted community meetings to receive feedback and input on factors that prevent people from accessing safe, affordable, and stable housing in neighborhoods of opportunity. Meetings included residents and representatives of nonprofits, governments, and the housing industry. The results of the AI are included in the Fair Housing Action Plan with specific recommendations for each issue.
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Analysis of Impediments to Fair Housing Choice
To address the growing need for access to affordable housing for all, the City of Toledo recently conducted its 2019-2020 Analysis of Impediments to Fair Housing Choice (AI) through The Fair Housing Center (TFHC). TFHC is analyzing the previous AI completed in 2015 and conducting community focus groups to receive feedback and input on factors that prevent people from accessing safe, affordable, and stable housing in neighborhoods of opportunity. The focus groups included residents and representatives of nonprofits, governments, and the housing industry. The results of the AI will be included in the Fair Housing Action Plan with specific recommendations for each area of concern.
The 2015 AI included the following strategies for improving access to affordable housing development:
• Encourage mixed-use and affordable housing development utilizing LIHTC funds and other funding sources, including HOME funds
• Prioritize development in areas of opportunity
• Target investment in the urban core -Neighborhood Revitalization Strategy Areas (NRSAs)
• Develop mobility strategies to facilitate moves to areas of opportunity for those who choose to do so, including community education on HCV program
• Create source of income protection that is needed to expand access to areas of opportunity
TFHC conducted the Citizen Participation process for the 2020 AI by creating and distributing an online community survey via Survey Monkey and collecting responses over the course of one week during early December 2019. The survey was sent via email to TFHC’s distribution list, posted on social media outlets, and shared with the City of Toledo and several community groups. 104 responses were received from community stakeholders, advocates, service providers, and housing industry professionals. TFHC also conducted two focus groups on December 4, 2019. The focus groups were advertised in print, posted on TFHC’s social media pages, and shared via email with TFHC’s distribution list. Twenty-three people attended the afternoon focus group session and ten people attended the evening session, representing various sectors of the community including nonprofit, government, housing industry, and residents.
The focus groups for the 2020 AI identified the following factors that serve as impediments to access to current fair and affordable housing:
• Low income housing should be marketed/labeled in a different way to diminish resistance from the public/residents, and the architecture should match the surrounding neighborhood.
• The debt owed to prior landlords from damage to the apartment, possibly as the result of a domestic violence incident.
• There is a lack of landlord knowledge on the requirements of the Housing Choice Voucher (HCV) program. The Lucas Metropolitan Housing Authority (LMHA) holds weekly landlord briefings.
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• There is a lack of Low-Income Housing Tax Credit (LIHTC) properties compared to other cities, and developers claim it is not affordable.
• Landlords are reluctant to participate in a program if they have had a bad experience with a previous tenant (ex. someone with an HCV or who was previously homeless).
• Disinvestment has contributed to vacant, blighted, poor quality housing stock.
• Out of town investors are not responsive and are not stakeholders in the local community.
• There is a low availability of quality housing stock.
• Rent is too high relative to the quality of the housing.
• Housing is not well-maintained and does not comply with housing or health codes.
• It’s difficult for many people to obtain housing (ex. people with criminal history or eviction records), so when they do find a place to live, they are reluctant to complain about poor housing conditions or unaddressed maintenance issues because they fear landlord retaliation or worry they might not be able to find other housing.
• Property owners often cannot afford to make necessary repairs or improvements.
• Proposed housing court regulation would require landlords to address housing code violations before renting a property to a new tenant.
The results of the 2020 AI are included in the Fair Housing Action Plan and incorporate specific recommendations for each area of concern. The impediments and action items are divided into two categories: Housing Opportunity and Housing Stability. The following actions items are being recommended in the 2020 AI:
Housing Opportunity
• Criminal History Screening
o Adopt local policies such as “ban the box” to address discrimination based on criminal history screening
o Set aside affordable housing opportunities, both vouchers and units for reentry population
o Encourage or require housing providers to comply with HUD’s guidance on criminal history screening
• Homeownership: Lending and Insurance
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o Encourage lenders to provide appropriate credit opportunities in minority and low- income neighborhoods
o Address insurance discrimination issues
o Coordinate with local banks to create a loan product to address credit needs in low- income and minority neighborhoods
• Accessibility for Persons with Disabilities
o Enforce current visitability and accessibility rules
o Encourage developers to increase accessibility whenever they benefit from public funds or tax incentives in some way
• Source of Income Discrimination
o Enact source of income protections like those currently in committee before city council
o Coordinate with LMHA and landlords to address issues with vouchers
• Enforce fair housing protections
o Conduct intakes and investigations in response to allegations of housing discrimination and address violations of the FHA by filing complaints and/or lawsuits where appropriate
o Increase awareness of fair housing rights and responsibilities
o Engage in education and outreach activities including conducting trainings and presentations, placing advertisements, distributing educational materials, participating in outreach events, and posting content on social media
• Voucher Mobility
o LMHA should adopt policies and practices consistent with the Poverty Race Research Action Council’s recommendations
• Land Use and Zoning
o Adopt changes to policies and practices to address the identified impediments
• LGBTQIA+
o Adopt changes to policies and practices to address the identified impediments
• Homelessness and affordable housing
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o Coordinate with partners and other local government entities to create affordable housing opportunities and move forward with the Housing First initiative
Housing Stability
• Housing Conditions
o Adopt changes to policies and practices to address the identified impediments
• Public transportation
o Lead efforts to adopt and expand county-wide transportation services
• Impediments in Rental Housing
o Address the eviction crisis in Toledo
o Adopt changes to policies and practices to address the identified impediments
• Access to water services
o Pursue appropriate policy and practice changes through the newly formed committee to be coordinated with the City of Toledo’s Department of Public Utilities
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MA-45 Non-Housing Community Development Assets – 91.215 (f) Introduction
The tables and graphs in this section provide a baseline set of data on Toledo's workforce, economy, and human capital. The city has a diverse business mix which tends to employ local workers. One of the issues that arose from the analysis was that Toledo has a very large number of young working age residents who are unemployed and may be under-skilled for jobs in the city. The unemployment rate for 16-25-year-olds is 41 percent in Toledo which is troubling because this considers individuals who are actively in the workforce and not in school. Further parsing the unemployment data, the rate for 16-19-year-olds is 39 percent in Toledo while across the state it is 25 percent. Similarly, the unemployment rate for 20-24-year- olds is 20 percent compared to 14 percent across the state. Nearly 17 percent of young workers did not finish high school and do not have a high school diploma or GED. Given the changing nature of employment in the city and across the United States, many young people in the city are at risk of being left behind economically unless educational attainment levels improve and/or skills trainings are accessed to better prepare workers for jobs of the future.
The lower educational attainment in Toledo translates directly into lower income earning potential. Based on data provided by HUD, Toledo high school graduates earn only 59 percent of what bachelor’s degree holders earn, while those with some college or associate degrees earn about 68 percent of bachelor’s degree holders. The growing industry sectors in Toledo include Educational and Health Care Services; Manufacturing, and Professional, Scientific, and Management Services. Each of these employment sectors rely more on employees with higher levels of education, technical skills, and the ability to adapt to technological changes that occur more rapidly than ever before
The analysis presents a snapshot of Toledo’s demographics and economics, and other sections of the Consolidated Plan provide greater detail regarding how these elements influence the concentration and distribution of lower-income households across the city.
Economic Development Market Analysis
Business Activity
Business by Sector Number of Number of Share of Share of Jobs less Workers Jobs Workers Jobs workers % % % Agriculture, Mining, Oil & Gas Extraction 309 92 0 0 0 Arts, Entertainment, Accommodations 14,456 14,293 15 15 0 Construction 3,761 3,943 4 4 0 Education and Health Care Services 20,863 24,402 22 25 3 Finance, Insurance, and Real Estate 3,707 3,790 4 4 0 Information 1,287 1,886 1 2 1 Manufacturing 15,347 17,450 16 18 2 Other Services 3,884 4,070 4 4 0
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Business by Sector Number of Number of Share of Share of Jobs less Workers Jobs Workers Jobs workers % % % Professional, Scientific, Management Services 6,834 7,877 7 8 1 Public Administration 2 0 0 0 0 Retail Trade 13,360 11,610 14 12 -2 Transportation and Warehousing 5,059 4,340 5 4 -1 Wholesale Trade 4,889 4,763 5 5 0 Total 93,758 98,516 ------Table 41 - Business Activity Data 2011-2015 ACS (Workers), 2015 Longitudinal Employer-Household Dynamics (Jobs) Source:
Labor Force
Total Population in the Civilian Labor Force 137,970 Civilian Employed Population 16 years and over 119,065 Unemployment Rate 13.71 Unemployment Rate for Ages 16-24 40.82 Unemployment Rate for Ages 25-65 8.32 Table 42 - Labor Force Data Source: 2011-2015 ACS
Occupations by Sector Number of People
Management, business and financial 17,780 Farming, fisheries, and forestry occupations 4,785 Service 16,475 Sales and office 28,235 Construction, extraction, maintenance, and repair 8,250 Production, transportation, and material moving 9,210 Table 43 – Occupations by Sector Data Source: 2011-2015 ACS
Travel Time
Travel Time Number Percentage < 30 Minutes 94,345 83% 30-59 Minutes 15,170 13%
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Travel Time Number Percentage 60 or More Minutes 4,095 4% Total 113,610 100% Table 44 - Travel Time Data Source: 2011-2015 ACS
Education:
Educational Attainment by Employment Status (Population 16 and Older)
Educational Attainment In Labor Force Civilian Employed Unemployed Not in Labor Force Less than high school graduate 7,385 2,500 9,150 High school graduate (includes equivalency) 29,040 4,245 14,730 Some college or associate degree 37,930 4,325 11,270 Bachelor's degree or higher 21,350 1,135 3,640 Table 45 - Educational Attainment by Employment Status Data Source: 2011-2015 ACS
Educational Attainment by Age
Age 18–24 yrs. 25–34 yrs. 35–44 yrs. 45–65 yrs. 65+ yrs. Less than 9th grade 460 875 630 2,245 2,960 9th to 12th grade, no diploma 5,300 4,580 3,385 7,315 5,100 High school graduate, GED, or alternative 9,470 11,510 10,690 25,810 14,430 Some college, no degree 14,705 12,735 8,550 17,090 6,705 Associate degree 680 4,070 3,775 7,340 1,815 Bachelor's degree 2,325 5,560 4,060 7,600 3,265 Graduate or professional degree 95 2,560 2,285 4,065 2,605 Table 46 - Educational Attainment by Age Data Source: 2011-2015 ACS
Educational Attainment – Median Earnings in the Past 12 Months
Educational Attainment Median Earnings in the Past 12 Months Less than high school graduate 17,045 High school graduate (includes equivalency) 24,499 Some college or associate degree 27,977
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Educational Attainment Median Earnings in the Past 12 Months Bachelor's degree 41,391 Graduate or professional degree 47,194 Table 47 – Median Earnings in the Past 12 Months Data Source: 2011-2015 ACS
Based on the Business Activity table above, what are the major employment sectors within your jurisdiction?
The largest employment sectors of Toledo’s economy are Educational and Health Care Services (22 percent); Manufacturing (16 percent), and Arts, Entertainment, and Accommodation (15 percent) which in total employ about 54 percent of all the workers who live in Toledo. This is followed by Retail Trade (14 percent); Professional, Scientific and Management Services (7 percent), and Transportation and Warehousing (5 percent), these three sectors employ more than a quarter of all of Toledo’s workers.
In Toledo major employers by sector include:
▪ Health Care and Social Assistance o ProMedica Health System o Mercy Health Partners o HCR ManorCare o University of Toledo Medical College ▪ Manufacturing o General Motors o Chrysler Group (Jeep) o Libbey Glass ▪ Distribution o UPS o Federal Express ▪ Retail Trade o The Andersons o Meijer o Kroger o Wal-Mart o Costco ▪ Government/ Education o Lucas County o City of Toledo o University of Toledo ▪ Accommodation and Food Services o McDonalds
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o Wendy’s
Toledo residents tend to live near their work with 83 percent of workers traveling less than 30 minutes to their place of work. Based on data from the U.S. Census, 40 percent of Toledo residents live and work in the city. This shows that employment tends to be locally sourced and relies on local skills and capacity.
Describe the workforce and infrastructure needs of the business community:
Toledo's business community is seeking an educated, well-trained, technically skilled, and professional workforce which can help the city compete in the Educational and Health Care Services, and Manufacturing sectors. Workforce needs include:
• Skills in technology, advanced manufacturing, skilled-trades, computer science, finance, advanced medical/healthcare skills, and customer service. • Basic proficiency in mathematics for positions in advanced manufacturing. • Computer proficiency skills. • Soft skills (such as leadership, team player, self-starter, good communication skills, multi-tasking, etc.). • Ability for employees who can pass drug screenings. • Higher educational credentials such as bachelor and master’s degrees.
Based on the data provided by HUD, Sales and Office occupations account for nearly 33 percent, or 28,235 jobs, of total occupations. Second largest occupational classification is Management, Business and Financial which accounts for 21 percent or 17,780 jobs. These types of occupations require both technical and soft skills which are a critical need.
Describe any major changes that may have an economic impact, such as planned local or regional public or private sector investments or initiatives that have affected or may affect job and business growth opportunities during the planning period. Describe any needs for workforce development, business support or infrastructure these changes may create.
A few recent private investments have taken place in the manufacturing industry. In 2019, General Motors announced it was investing in plants in Ohio, with a total of 450 jobs being added to plants in Parma, Moraine and Toledo. General Motors is expected to spend about $700 million on upgrading the three plants. While all the details are not known, the factory in Toledo is expected to get the largest portion of the investment and jobs. Since 2011, General Motors has invested about $1 billion in the Toledo plant.
In 2016, Fiat Chrysler Automotive announced the company plans to add 700 new jobs to the Toledo workforce. The estimated investment was expected to be about $700 million dollars and would be geared towards re-tooling the factory to produce Jeep Wrangler’s and the Wrangler Pick-Up Truck.
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Another major private project is the development of the new $800 million dollar Cleveland Cliffs iron and steel plant in Toledo. The construction of the plant is providing hundreds of construction jobs, and there will be about 130 permanent jobs once it opens.
Based on the employment and investment being created by the private market, Toledo’s workforce needs to be ready to seize the opportunities available. Overall, education attainment levels are low across the city. The city needs programs which assist individuals in gaining marketable skills to prepare them for the workforce. The following could be done to increase residents’ competitiveness in the job market:
• Increase high school graduation rates. • Increase the number of individuals attaining post-secondary training. • Improve the development of basic skills both technical and non-technical. • Improve computer skills of unemployed and under-employed residents.
If the initiatives and changes above are developed, the following will be additional needs that may arise:
• Increased investment in public education. • Creation of pathways programs from school to work. • Improvements and expansion of public transportation services. • Road improvements. • Investment in worker housing.
How do the skills and education of the current workforce correspond to employment opportunities in the jurisdiction?
The region’s economic success depends on Toledo’s ability to provide a qualified workforce. Currently, the City of Toledo has a large group of residents who have very limited skill sets and academic preparation that impact their ability to attain living wage jobs. Currently, only 22 percent of the civilian employed population have bachelor’s degrees, while 38 percent of the civilian employed population have a high school degree or less. Without further training, the population over time will lack critical skill development and the ability to earn higher incomes.
Educational and Health Care Services, and Manufacturing are the predominate employment sectors of the economy. Programs should be available to help improve individual’s capabilities around basic skills, using computers, and increasing higher educational credentials (e.g. certificates, associate degrees, and bachelor’s degrees). Credentialing is important because increases in education levels tend to result in higher incomes.
Educational Attainment by Age data shows there is a larger percentage of younger residents with low levels of education attainment. Of all 18-24-year-old residents, 5,760 did not finish high school, and 9,470 of 25-44-year-olds as did not finish high school. Median earnings of those without a high school degree are only $17,045. These younger workers will be left behind in Toledo's increasingly competitive and
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changing job market. Based on data provided by HUD, Toledo high school graduates earn only 59 percent of what bachelor’s degree holders earn, while those with some college or associate degrees earn about 68 percent of bachelor’s degree holders. The lack of education is also reflected in the unemployment rate. Unemployment for 16-24-year-olds is 40 percent, nearly three times the overall unemployment rate of 13.7 percent.
Describe any current workforce training initiatives, including those supported by Workforce Investment Boards, community colleges and other organizations. Describe how these efforts will support the jurisdiction's Consolidated Plan.
The City of Toledo collaborates with the Lucas County Workforce Development Board (LCWDB) to ensure the development of locally driven training and placement programs that offer high quality education to potential employees and technical assistance to new and established businesses, consistent with their specific needs. Delivering innovative workforce solutions to businesses and job seekers to accelerate regional economic growth and individual prosperity is the mission of LCWDB.
The LCWDB was formerly called the Workforce Investment Board of Lucas County, but in 2014, the United States Congress passed the Workforce Innovation and Opportunity Act which replaced the Workforce Investment Act and has resulted in a shift toward a stronger focus on serving the needs of business and addressing the barriers to employment still facing many potential workers. While the legislation improved several aspects of former workforce rules, most of the services provided by local American Job Centers – the local one-stop – were either left unchanged or were expanded. The law calls for stronger collaboration between partners, enhanced engagement with groups providing services to people struggling to find employment and increased regionalism among workforce areas. The change also mandated a restructured board with greater business representation and the local Workforce Investment Board became the Lucas County Workforce Development Board. http://www.thesourcenwo.com/about- us.aspx
As part of the Workforce Development Strategic Plan five themes and goals were laid out:
Theme 1: Talent Development: Work Readiness, Training, and Career Pathways - identified the need to ensure a pipeline of work-ready individuals is prepared for the employers and their needs. Collaborate with educational institutions to align students with work and learn opportunities with local employers in addition to creating career pathways developed with employer input and leadership.
Theme 2: Employer Engagement: Business Services, Business Solutions - the need to engage local employers in creating a menu of services necessary for solving local business concerns. Engage employers and to understand and meet their workforce needs.
Theme 3: Service Delivery: Customer-Centric, Streamlined, Team-Based Service - the need to improve service delivery for customers through coordination with partners. To better enhance the alignment of
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career services across all partner programs, create an integrated model of service provision. This will be supported by a technology solution for data coordination to share information.
Theme 4: Communications and Outreach: Brand, Image, Message, and Unified Language - the need to increase awareness of the brand and develop a unified message to inform the community of available programs and services. Promote itself more effectively with the community by branding itself as the resource for workforce development and strategize marketing efforts to reach out to a targeted audience. Not only will this increase awareness, but it will also leverage opportunities to share information more systemically among jobseekers, employers, and partners
Theme 5: Partnership Strategy: Convener, Facilitator, Connector - the need for it to be the convener for Lucas County. Establish itself as the central hub for regional workforce development activities and acting performing as such, has the potential to coordinate with partners and maximize services to the community
Does your jurisdiction participate in a Comprehensive Economic Development Strategy (CEDS)?
Yes
If so, what economic development initiatives are you undertaking that may be coordinated with the Consolidated Plan? If not, describe other local/regional plans or initiatives that impact economic growth.
In 2014, the Regional Growth Partnership, Lucas, Wood and Ottawa Counties in Ohio, and Monroe County, Michigan, and the City of Toledo joined to develop the Northwest Ohio/Southeast Michigan Comprehensive Economic Development Strategy (CEDS). The CEDS brought together public and private sectors to analyze the regional economy in order to establish regional goals and to identify investment priorities and funding sources to implement a plan of action. Regional strengths such as transportation, financial activities, and manufacturing represent primary opportunities for enhanced regional economic activity. Situated at the heart of the region as its largest jurisdiction, Toledo is integral to a regional strategy capable of leveraging the necessary resources to achieve these ends.
Through the CEDS planning process, five primary goals were identified. The effective regional CEDS will:
• Support and facilitate efficient transportation of people and commerce • Promote a business climate that encourages quality job creation, new investment, and redevelopment • Support a stable and skilled workforce capable of meeting current and future business needs • Harness industry and business opportunities and diversification • Ensure a high quality of life for residents and businesses
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The goals of the Consolidated Plan promote economic and community development and are aligned with the CEDS goal of job creation/retention, business recruitment/retention/assistance, and transportation assistance.
Discussion
OhioMeansJobs is an initiative to connect and match employees and employers through free access to thousands of resumes and electronic job postings. There are also trainings and seminars which OhioMeansJobs conducts. Services include: Assessments; Basic Skills Training; Business Services; Recruitment; Career Exploration, Job Matching; and Job Placement.
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MA-50 Needs and Market Analysis Discussion Are there areas where households with multiple housing problems are concentrated? (include a definition of "concentration")
Across the city there are areas in which households are experiencing multiple housing problems. HUD defines housing problems as:
• Units lacking complete kitchen facilities. • Units lacking complete bathroom facilities. • Housing cost burden of more than 30 percent of the household income (for renters, housing costs include rent paid by the tenant plus utilities and for owners, housing costs include mortgage payments, taxes, insurance, and utilities); and • Overcrowding which is defined as more than one person per room, not including bathrooms, porches, foyers, halls, or half-rooms.
Cost burdening remains a major issue in Toledo. The data from the Needs Assessment shows that there are 14,240 renter households which are severely cost burdened and pay more than 50 percent of their income for housing, while there are 11,215 renter households playing greater than 30 percent of their income towards housing. For owner households, there are 4,965 households severely cost burdened and 7,685 households cost burdened.
The maps below shows the percent of all households considered to be severely cost burdened in each Census tract across Toledo. What can be learned from the cost burdening data is that these areas correspond with concentrations of minority residents, particularly in and around the core of the city. Census tracts which have severe cost burdening of over 26 percent of households include: 44, 54, 42, 48, 27, 22, 17, 25, 24.02, and 14. The neighborhoods which make up these areas include the Old South End, Warren-Sherman, Englewood, and BUMA.
In addition to household financial constraints, housing problems occur due to overcrowding, and a lack of bathroom and kitchen facilities. The Census tracts with the greatest intensity (over 45 percent) of households with severe housing problems include: 24.02, 25, 26, 17, 15, 8, 16, 22, 17, 20, 12.02, and 11. These tracts roughly correspond to the neighborhoods of: Overland, Auburndale, BUMA, OWENI, Olde Town, Manhattan Park, and North River. The map below presents severe housing problems by Census tract.
Are there any areas in the jurisdiction where racial or ethnic minorities or low-income families are concentrated? (include a definition of "concentration")
Based on data from the ACS 2011-2015 and shown in the accompanying maps, there are significant racial (Black/African American) and ethnic (Hispanic) concentrations in certain Census tracts within Toledo. Additionally, these areas also correspond to some of the lowest-income tracts within the city. Regarding
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the Black/African American population, census tracts 31, 35, 32, 36, 33, 34, 26, 25, 24.02, 21, 16, 22, and 23 have concentrations of Black/African American residents that are greater than 74 percent. These tracts are clustered just west of the downtown and north of the Maumee River, and comprise the neighborhoods of Junction, Englewood, Overland, and Auburndale. Outside of the immediate core of the city the Black/African American population is still high and spans across the city moving from the southwest (Eastgate) to the northeast (Manhattan Park).
Regarding the Hispanic/Latino population, Census tracts 54, 103, 47.02, and 53 have concentrations of Hispanic/Latino residents that exceed 22 percent. These tracts are clustered in the southeast of the city and located south of the Maumee River. Neighborhoods with higher concentrations include Old South End, Middlegrounds, Oakdale, Raymer, and Ravine Park.
According to ACS data from 2011-2015, the median household income of Toledo is quite low at $33,687 compared to $41,777 for Lucas County. Median household income in Toledo is about 80 percent of the county’s and effects spending on housing, transportation, childcare, healthcare, and food. Analyzing income data at the Census tract level shows various nuances across the city. There are several Census tracts which have median household incomes lower than $16,000. These include tracts 29, 34, 27, 12.02, 28, 30, 14, 23, 36, and 73.03. These tracts align with the neighborhoods of: Junction, Englewood, Upton, Vistula, and Warren-Sherman and coincide with the Census tracts which have the highest percentages of Black/African American residents.
Median incomes in Toledo have changed considerably between the ACS periods of 2006-2010 and 2011- 2015. Several Census tracts saw gains of more than 31 percent, even after inflation adjustments were considered. These tracts include: 73.03, 45.03, 44, 54, 39, 25, 33, 14, 27, 28, 29, and 12.01. These tracts tend to be located closer to the central part of the city rather than on the periphery. Some of the tracts which saw decreases in median household income include: 72.02, 72.05, 86, and 74. The map below presents the percent change in household income.
An important metric regarding income is the percentage of Low and Moderate Income (LMI) households. The definition of low or moderate income means households that have incomes at or below 80 percent of the area median income. This metric is used for various HUD related funding programs, such as the Low-Income Housing Tax Credit (LIHTC) and CDGB funding. The map below presents the concentration of LMI households in Toledo. Like median household income data, many of the Census tracts with higher percentages of LMI households also correspond to tracts with higher concentrations of Black/African American and Hispanic residents.
Some of the neighborhoods with the highest percentages (more than 74 percent) of LMI households include Vistula, Sherman, Manhattan Park, North River, Warren-Sherman, Upton, and Junction. These areas are made up of census tracts: 12.02, 20, 19, 30, 29, 18, 22, 23, 27, 32, 33, 35, and 36.
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What are the characteristics of the market in these areas/neighborhoods?
Median home values in the center part of the city are low with a few notable exceptions. The low median home values correspond to areas with the lowest incomes and some of the greatest concentrations of minority residents. There are 28 census tracts in the central part of the city which have median home values less than $44,449. One interesting data point is that the Warehouse District (census tract 34) is the only area in the downtown which has a much higher median home value. This is likely due to the location of higher end condominiums such as Barley Lofts and Water Street Condos.
Median home values increase the further away one is from the city center. Based on the median home value map below, a radiating effect can be observed indicating home values increase based on proximity to the outer edges of the city. Areas with the highest home values are in the western (northwest and southwest) part of the city corresponding to Census tracts 72.04, 80, 83.01, and 83.02. These areas have median home values in excess of $141,000.
Over the five-year period (2011-2015) home values have changed considerably in a few Census tracts in Toledo. What is noticeable is that on the outskirts of the city, home prices have declined or remained relatively unchanged. While in the urban core of the city, there have been large gains in median home values. One possible reason for this stark contrast in value change is that homes in the central core of the city were low to begin with and a small increase in home values can result in a relatively large percentage change. The areas which experienced the greatest percent change are also those with the lowest median values. The map below presents changes in median values by Census tract.
Housing vacancy is an issue in certain Census tracts across Toledo. Vacancy has an impact on neighborhood quality and can be an indicator of market strength and neighborhood health. Since the Great Recession, Toledo has made significant progress in addressing vacant housing units and works with the Lucas County Land Bank on property disposition. Vacancy can arise when homeowners no longer afford the costs of ownership, when title issues arise, or when there is not a strong real estate market to sell an existing home. Across the city, there are eight Census tracts which have vacancy rates greater than 31 percent. These include tracts 54, 42, 36, 26, 25, 14, 8, 17, 19.
Based on the data, it appears that low median home values correspond with Census tracts where older homes are more prevalent. The city grew substantially during the 20thcentury and much of the housing stock reflects that period of development. Housing structures found in and around the central core have a median age of over 71-years-old, while in the outlying areas of the city housing units have a median age range from 33 to 53. Older homes can also correlate with issues around lead paint, outdated mechanical and electrical systems, and added maintenance over time. The map below shows the median age of the housing stock.
An important metric regarding income is the percentage of Low and Moderate Income (LMI) households. The definition of low or moderate income means households that have incomes at or below 80 percent of the area median income. This metric is used for various HUD related funding programs, such as the
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Low-Income Housing Tax Credit (LIHTC) and CDBG funding. The map below presents the concentration of LMI households in Toledo. According to ACS data from 2011-2015, the median household income of Toledo is quite low at $33,687 compared to $41,777 for the County. Many of the Census tracts with higher percentages of LMI households also correspond to tracts with higher concentrations of Black/African American and Hispanic residents. Communities with highest LMI percentage (over 74%) include Vistula, Warren-Sherman, Manhattan Park, North River, and Junction.
Are there any community assets in these areas/neighborhoods?
Yes. Despite financial, economic, and housing challenges in these areas, there are community assets such as community centers, grocery stores, and community organizations. While some of these assets are spread throughout the city, many are clustered around the downtown. Below is a list (not exhaustive) of some of the community assets found in Toledo which service challenged neighborhoods:
• Community Centers: • Community Organizations o St. Paul Community Center o United Way of Toledo o South Side Community Health o Toledo Community Foundation o Grace Community Center o Partners in Education o Oswald Center o YMCA of Greater Toledo o Al-Madinah Community Center o Boys & Girls Club of Toledo o River East Community Health Center o Feed Lucas County Children Inc. o J Frank Troy Senior Center o Fredrick Douglass Community Center o Lighthouse Community Center
• Grocery Stores o Toledo Food Market o Save A Lot o Kroger o Food town o Toledo Market o Family Food Center o Stop & Shop
Are there other strategic opportunities in any of these areas?
Regarding existing neighborhoods and census tracts which are both challenged economically and have concentrations of minority and ethnic populations, there are a few strategic opportunities which can be availed from the standpoint of economic and workforce development. One of the key findings is that education levels are low in distressed neighborhoods, and in-turn perpetuate lower incomes and higher rates of poverty. A strategic opportunity in the area is to invest in residents and train the workforce so
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they can share in the general economic prosperity of the region. While there are existing programs offered by community organizations around job-placement and skills-building, these programs could be enhanced with added collaboration with the city.
On the physical development side, there are many homes in the area which have low median values. One strategic opportunity is to target investment dollars towards neighborhoods with the greatest needs. Some of the most economically challenged communities appear to have undergone demolition programs to remove blight and abandoned properties. The city should target at risk neighborhoods and create neighborhood level plans which bring together stakeholders and create community goals and a shared vision for the future. The city could then actively work with the community to achieve those goals.
Map 4. Percent Households with Severe Cost Burden - Toledo -MA-50
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Map 5. Percent Households with Severe Housing Problems MA-50 -Toledo
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Map 6. Change in Household Income MA-50- Toledo
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Map 7. Median Home Value MA-50 - Toledo
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Map 8. Median Home Value Change MA-50 - Toledo
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Map 9. - Residential Vacancy Rate MA-50 -Toledo
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Map 10. Median Age of Structure MA-50-Toledo
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MA-60 Broadband Needs of Housing occupied by Low- and Moderate-Income Households - 91.210(a)(4), 91.310(a)(2)
Describe the need for broadband wiring and connections for households, including low- and moderate-income households and neighborhoods.
On January 17, 2017, HUD published the Broadband requirements for all Consolidated Plans submitted after January 1, 2018. This rule amends HUD’s Consolidated Plan regulations to require that local jurisdictions, such as the City of Toledo, consider the concept of broadband access as part of consolidated planning efforts. A critical component of the broadband analysis is to address the need for access for low and moderate-income residents in the communities they serve.
Specifically, the rule requires that states and localities that submit a Consolidated Plan describe the broadband access in housing occupied by low- and moderate-income households. If low income residents in the communities do not have such access, states and jurisdictions must consider providing broadband access to these residents in their decisions on how to invest HUD funds. HUD defines the term of “broadband” as high-speed, always-on connection to the Internet or also referred to as high-speed broadband or high-speed internet.
To comply with HUD’s broadband requirements, the City has incorporated actions into the consolidated plan process:
• Included a description of broadband needs in the housing market analysis. • Contacted public and private organizations, including broadband internet service providers, and organizations engaged in narrowing the digital divide.
Access and the Digital Divide
Access to computers that are connected to high-speed internet connections have become integral to how most Americans live their life, receive information, and conduct business. As more and more information portals, service providers, and public resources transition to online platforms, digital inequities can surface with low income households often left feeling the impact of the digital divide. Disparate access to computers and high-speed internet can correlate with the inequality of household income, race, ethnicity, and educational attainment. The lack of high-speed internet can also be detrimental to economic development efforts in low income areas as it reduces capacity for residents to work from home, start home-based businesses, and develop entrepreneurial enterprises.
In 2013, the US Census Bureau added a question to their annual American Community Survey (ACS) which asked residents about their access to computers and the internet. This question has helped federal partners measure the development of broadband/internet networks nationwide through point in time data and trends over time. These data points can also help pinpoint locations where federal and local
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partners may want to deploy resources to help bridge digital divides, particularly where they intersect with low income areas.
According to annual estimates through the ACS, from 2014-2017 the number of households in Toledo with broadband access increased 28 percent. As of 2017, nearly 80 percent of all Toledo households had access to broadband internet and 89 percent had access to a computer. Households without an internet subscription dropped 53 percent over the same four-year period.
Describe the need for increased competition by having more than one broadband Internet service provider serve the jurisdiction.
The Federal Communications Commission’s (FCC) Broadband Deployment data from June 2018 shows that 98.6 percent to Toledo’s population has access to at least three or more internet providers. Access to internet is higher in Toledo than the number of current household subscriptions, suggesting some digital divide which could be attributed to cost, skills/knowledge gap, reluctance to adopt new technology, or need for a connection. Toledo’s broadband coverage is just over 5 percent higher than the United States as a whole, and about 3 percent higher than the State of Ohio.
The city’s residential broadband internet access is mainly served by three wired providers: Buckeye Broadband, Earthlink, and AT&T. According to the FCC, the city has four other companies that provide service: Spectrum provides 940Mbps service but only has 4.5 percent coverage in Toledo; Viasat and HughesNet provide satellite service, and Amplex provides fixed wireless service.
Although broadband coverage and service is available for nearly the entire city, 8.5 percent of Toledo households are still limited in accessing service either by where they live or for financial reasons. To assist residents in meeting their needs for broadband access, some service providers have qualifying lower-cost broadband plans. For example, AT&T currently offers the “Access Program” which provides low-cost residential internet service to qualifying households that have at least one resident who participates in U.S. SNAP and resides at an address within AT&T’s service area. This program provides 3-5 Mbps internet service speeds at a cost of $10 per month. Buckeye Broadband will be rolling out a program called “Free Net” starting in 2020 that will provide 5 Mbps speeds, but the monthly cost has not yet been determined. Earthlink does not currently offer any discounted internet packages for low-income households.
2014 2015 2016 2017 Estimate % Estimate % Estimate % Estimate % Total 116,450 100 119,100 100 118,122 100 117,449 100 Has a Computer 94,858 81.5 99,490 83.5 103,488 87.6 103,896 88.5 With Dial-Up 661 0.6 177 0.1 338 0.3 473 0.4 Internet Subscription Alone
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With a Broadband 72,839 62.5 79,004 66.3 93,834 79.4 93,448 79.6 Internet Subscription Without an Internet 21,358 18.3 20,309 17.1 9,316 7.9 9,975 8.5 Subscription No Computer 21,592 18.5 19,610 16.5 14,634 12.4 13,553 11.5
Source: ACS 2014- US Table K202801 2017 Census Table 48 - Table - Computer and Internet Use in the City of Toledo
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Map 11. Number of Broadband Service Providers in Toledo - MA-60
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MA-65 Hazard Mitigation - 91.210(a)(5), 91.310(a)(3)
Describe the jurisdiction’s increased natural hazard risks associated with climate change.
According to a 2016 report completed by the Center for Community Progress for Toledo, the negative effects of vacant properties tend to take three general forms and contribute to overall neighborhood blight. First, vacant properties, especially those in poor condition, impose direct service costs on code enforcement units, police departments, fire departments, court systems, and other governmental agencies. Second, when owners stop paying property taxes on vacant properties, this tax delinquency imposes another cost on cities. Third, vacant properties, especially poorly maintained ones, can impose negative “spillover” costs on nearby neighborhoods, including lower property values and higher crime rates.
Lead is a highly toxic metal that may cause a range of health problems, especially in young children. When lead is absorbed into the body, it can cause damage to the brain and other vital organs, like the kidneys, nerves, and blood. Lead may also cause behavioral problems, learning disabilities, seizures and in extreme cases, death. Some symptoms of lead poisoning may include headaches, nausea, tiredness, and irritability.
Describe the vulnerability to these risks of housing occupied by low- and moderate-income households based on an analysis of data, findings, and methods.
Lucas County Emergency Management Agency (LCEMA) prepared the Lucas County Mitigation Plan of 2019, an update to the Countywide All-Natural Hazard Mitigation Plan of 2013. The LCEMA updated the plan using a planning committee with representatives from the public and private sector. The purpose of this mitigation plan as stated was "to identify risks and vulnerabilities from hazards that affect Lucas County, Ohio to prevent or reduce the loss of life and injury and to limit future damage costs by developing methods to mitigate or eliminate damage from various hazards." The City partnered with the LCEMA and other jurisdictions to further identify, define, and characterize the hazards affecting the city and prioritize projects that reduce hazard vulnerability of households especially those with low incomes. Technological/human caused hazards such as civil disturbance and terrorism and natural hazards including severe winter storms and temperature extremes due to climate change was added.
The methods used by LCEMA to assess vulnerability included public input through meetings and surveys, a hazard risk assessment, an inventory of at-risk residential areas, a mitigation strategy, and an action plan. The risk assessment process provides a basis for the proposed mitigation actions. Data included federal, state, and university studies, plans, reports, and technical information sources. The mitigation strategy identifies how the City will reduce potential losses based on existing policies, programs, resources, and tools and how to expand and improve them. Mitigation goals and implementation activities were also outlined in the plan as a guide. The mitigation action plan included local plans and regulations; structure and infrastructure projects; protection of natural systems; education and
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awareness programs; and preparedness and response activities. Mitigation activities for risk reduction includes adoption and enforcement of ordinances, regulations, and building codes; and acquisition and elevation of flood damaged homes to withstand hazards. The study showed that vulnerable populations such as low- to moderate-income (LMI) populations, elderly, and persons with disabilities are often constrained during disasters due to limited information and awareness programs that are an important mitigation action.
The plan defines vulnerability in Section 2.2.2 as “measure of the propensity of an object, area, individual, group, community, country, or other entity to incur the consequences of a hazard” (Coppola, 2015, p. 33). Vulnerability can be impacted by income disparity, class, race or ethnicity, and disability to name a few factors. Hazards associated with climate change have been shown to have a disparate impact on LMI households due to poor housing conditions that many of these households live in whether renters or homeowners. These housing structures tend to suffer disproportionately during disasters. The plan also addressed challenges faced by persons with disabilities accessing transportation to evacuate and shelters and post disaster housing. The Housing Market Analysis section of this Plan identifies the need for home repair especially among the elderly and inadequate shelters and permanent housing for the at-risk of homeless especially during disasters.
According to Ohio Emergency Management Agency, in Lucas County, there have been 78 repetitive loss (damage on two occasions) properties and eight severe repetitive loss (damage on four or more occasions) properties. The city has the most repetitive loss and severe repetitive loss properties in total. Another area of vulnerability for housing owned by LMI households is the cost of property insurance for persons on fixed income especially flood insurance. In some areas with many LMI households, the cost and availability of insurance is inadequate.
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Strategic Plan
SP-05 Overview Strategic Plan Overview
Most federal grant funded activities are provided Citywide based on income eligibility. Others target the City’s low- to moderate-income (LMI) areas or address the needs of LMI limited clientele. The City carries out CDBG funded code enforcement activities in slum and blighted LMI areas. Priority needs were established through a community participation and needs assessment process, historical funding allocations, and demographic data. High median home values and monthly contract rents results in higher housing costs for homeowners and renters. The most common housing problems is cost burden with 35% being cost burdened (spending more than 30% of their income on housing).
For its FY 2020-2021 Annual Action Plan, the City anticipated receiving entitlement funding in the amount of $7,570,178 in CDBG, $2,228,962 in HOME and $652,282 in ESG. Using the FY 2020-2021 entitlement allocations, the City estimates receiving $37,850,890 in CDBG, $11,144,810 in HOME, and $3,261,410 in ESG funds for the FY 2020-2024 Consolidated Plan period. The City also has carryover funding in the amounts of $4,611,804.49 for CDBG, $3,670,233 in HOME, $76,238.77 in ESG, and $184,462.50 in NSP funds that will be reallocated for FY 2020-2021 activities. The Department of Neighborhoods (DON) is the lead grant administrator. It works with other City departments to carry out services and leverage funding, and with local and regional non-profits to provide public services. Funding reductions and other factors affect service delivery. The City continues to further affirmatively fair housing through an Analysis of Impediments to Fair Housing Choice and a Fair Housing Action Plan in 2020. As part of that requirement, the City funds the Fair Housing Center.
Funding priorities based on the needs assessment are to 1) expand housing affordability and local development capacity; 2) provide funding to prevent homelessness and provide adequate transitional and permanent housing; 3) maintain safe and affordable rental housing especially for the elderly; 4) facilitate healthy and attractive neighborhoods through code enforcement, re-use of vacant lots and crime reduction; 5) improve the quantity and/or quality of public facilities 6) increase public services especially for youth and seniors; 7) expand economic opportunities through job creation, and small business/microenterprise assistance; and 8) improve public infrastructure. The Lucas County Metropolitan Housing Authority (LMHA) is a high functioning housing authority that owns public housing units and manages housing choice vouchers. Also, the LMHA self-developed and partnered with for-profit developers to create low-income housing tax credit funded projects and converted public housing projects to project based subsidy assisted units under HUD’s Rental Assistance Development (RAD) Program.
The City will act to reduce barriers to affordable housing including lack of affordable housing and limited housing types, poor housing conditions, and NIMBYism (Not in My Backyard). The 2020 fair housing impediments identified slum and blight, lack of accessible housing, inadequate transportation and lack of mobility to high opportunity areas, lack of mortgage lending, limited non-profit capacity, zoning barriers,
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inadequate fair housing knowledge/enforcement, lending disparities, and housing segregation. Strategies include reduced housing costs, energy efficiency, and developer incentives.
The City works with the Lucas County Continuum of Care (CoC) to address homeless needs and prevention. Homes constructed prior to 1978 for lead-based paint will be tested. The City will fund business assistance and job creation. The DON implements monitoring procedures for non-profits, City departments, and contractors using risk assessments, technical assistance, and updated policies with changes from the 2013 HOME Final Rule.
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SP-10 Geographic Priorities – 91.215 (a)(1) Geographic Area
Table 49 - Geographic Priority Areas 1 Area Name: Garfield /Starr/ Raymer Area Type: Local Target area Other Target Area Description: HUD Approval Date: % of Low/ Mod: Revital Type: Comprehensive Other Revital Description: Identify the neighborhood boundaries Area includes Garfield Heights neighborhood, Marina for this target area. District, Main-Starr Business District, and International Park and has two main commercial corridor/business districts. The boundaries include Census Tracts 4701, 4702, 4800, 4900, 5000, and 5100. Include specific housing and The Neighborhood Plan “Connecting the Pieces” was commercial characteristics of this developed in collaboration with LISC, Toledo Public target area. School District, Marina District, Toledo Design Center, University of Toledo, and Urban Affairs Center (UAC). There are several private sector and other government entities working in and investing in the area. The population of the area is 8,619 with 71.1% of the households with incomes at or below 80%AMI. The unemployment rate is 20% and 96% of the housing units were built before 1980.
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How did your consultation and citizen The COT used the boundaries for City and private sector participation process help you to led community planning efforts as a basis for the identify this neighborhood as a target consultation and citizen participation process to select area? the area. There are several private sector and other public investments in these areas and the COT took the opportunity to coordinate investment for greater and more positive outcomes. In the Con Plan process, COT staff educated residents, non-profit organizations, businesses, anchor institutions, and other entities on the Con Plan and NRSA requirements. Outreach was aligned with the community plans and included two resident meetings, a non-profit focus group, and a multi-sectoral Consolidated Planning Steering Committee which met twice, three public hearings, and several meetings with the Land Bank, and other stakeholders. A summary of the Needs Assessment and Housing Market Study sections of the Con Plan and community surveys of over 700 persons and 22 agencies were presented to a community meeting as a part of the prioritization of housing and community development needs. Identify the needs in this target area. The following needs were identified needs by ranking: Lighting and sidewalk repairs, park improvements, neighborhood business and shops, senior housing, substandard properties, code enforcement, entranceway improvements, and walkways.
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What are the opportunities for There are several public and private sector partners improvement in this target area? that are investing and working in the area. The COT has planned investments in economic development business loans, LED street lighting, and park improvements. Private sector grants to support capacity building, community engagement, income stability, and leadership development. Development opportunities exist in the main areas noted above. Development of single-family homes is intended to attract mixed- income homeowners to Garfield Heights, and beauty and recreational opportunities in the International Park and Emerald Necklace. The intent is to stimulate private investment, develop a strong waterfront neighborhood, riverfront park system, public access, and seasonal boat docks. Are there barriers to improvement in Barriers are distressed markets with low returns for this target area? new construction and land use and zoning laws that are barriers to infill new construction. Lack of predevelopment and patient capital, construction financing, and end mortgages. Lack of assisted housing for re-entry populations, poor quality existing housing that impacts marketing of area. Unresponsive out of town investors is a barrier. 2 Area Name: Junction/Englewood Area Type: Local Target area Other Target Area Description: HUD Approval Date: % of Low/ Mod: Revital Type: Comprehensive Other Revital Description: Identify the neighborhood boundaries The area is bounded by contiguous sections of the for this target area. Junction and Englewood neighborhood of Census Tracts 2600, 3300, and 3600.
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Include specific housing and Several private sector and other governmental entities commercial characteristics of this including the Land Bank, a major hospital chain, a target area. community development financial intermediary, and a NeighborWorks affiliate are working in and investing in the area. The area population is 2,966 with 70.8% of the households with incomes at or below 80%AMI. The unemployment rate is 22.8% and 89% of the housing units were built pre 1980. Englewood is west of downtown and consists of moderate to large sized homes with several smaller and identifiable neighborhoods, extensive park space including Smith Park and Robinson Park. Commercial districts can be found along Dorr street. How did your consultation and citizen The COT used the boundaries for City and private sector participation process help you to led community planning efforts as a basis for the identify this neighborhood as a target consultation and citizen participation process to select area? the area. There are several private sector and other public investments in these areas and the COT took the opportunity to coordinate investment for greater and more positive outcomes. In the Con Plan process, COT staff educated residents, non-profit organizations, businesses, anchor institutions, and other entities on the Con Plan and NRSA requirements. Outreach was aligned with the community plans and included two resident meetings, a non-profit focus group, and a multi-sectoral Consolidated Planning Steering Committee which met twice, three public hearings, and several meetings with the Land Bank, and other stakeholders. A summary of the Needs Assessment and Housing Market Study sections of the Con Plan and community surveys of over 700 persons and 22 agencies were presented to a community meeting to prioritize needs.
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Identify the needs in this target area. The City’s 2020 comprehensive plan identified the following needs in the Englewood area: revitalizing the Monroe street business corridor from Central Avenue to Collingwood; quality affordable homes, and a supermarket. According to the 2018 Junction Neighborhood Master Plan, total households in the area continues to decline and the per capita income is very low compared to the minimum wage. Population in junction has decreased by 27% since 2010. Unemployment is high. 60% of Junction consist of vacant land including Parks and open space. In 2018 there were 150 houses scheduled for demolition. Parks, community center, and infrastructure improvements, housing preservation, and neighborhood capacity building are priority.
What are the opportunities for There are several public and private sector partners improvement in this target area? that are investing and working in the area. The COT has planned investments in economic development business loans, lead service line replacement, park improvements and LED streetlight conversions. Other investments include rehabilitation of single-family rental housing and conversion to homeownership units. Private sector grants to support capacity building, community engagement, income stability, and leadership development. Developing a Home Repair Loan Program to preserve owner-occupied housing and maintain homeownership and neighborhood investment. New scattered site single family housing stock by the Land Bank to attract moderate and middle- income families. Reuse of City and land bank owned vacant lots. Identify an experienced housing developer to submit a low-income housing tax credit project in partnership with the Junction Coalition. Work with the Northwest Ohio Development Agency (NODA) to help residents become financially self-sufficient and the build stable communities. Use vacant lots to expand side lots.
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Are there barriers to improvement in Barriers are distressed markets with low returns for this target area? new construction and land use and zoning laws that are barriers to infill new construction. Lack of predevelopment and patient capital, construction financing, and end mortgages. Lack of assisted housing for re-entry populations, poor quality existing housing that impacts marketing of area. Unresponsive out of town investors is a barrier. 3 Area Name: Old South End Area Type: Local Target area Other Target Area Description: HUD Approval Date: % of Low/ Mod: Revital Type: Comprehensive Other Revital Description: Identify the neighborhood boundaries The area is bounded by an interstate and a major urban for this target area. thoroughfare through the neighborhood. It is located between the Downtown Central Business District and other recreational facilities. A commercial corridor runs through the community and connects to downtown. The boundaries include Census Tracts 4200, 5400, and 0300. Include specific housing and The area has an existing neighborhood plan developed commercial characteristics of this by the Toledo-Lucas County Plan Commission (TLCPC), target area. the Broadway Corridor Coalition, and the Toledo Design Center. It has high poverty and unemployment rates. There are several private sector and other government entities working in and investing in the area. The population of the area is 3,788 with 82.5% of the households with incomes at or below 80%AMI. The unemployment rate is 34.3% and 94% of the housing units were built before 1980.
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How did your consultation and citizen The COT used the boundaries for City and private sector participation process help you to led community planning efforts as a basis for the identify this neighborhood as a target consultation and citizen participation process to select area? the area. There are several private sector and other public investments in these areas and the COT took the opportunity to coordinate investment for greater and more positive outcomes. In the Con Plan process, COT staff educated residents, non-profit organizations, businesses, anchor institutions, and other entities on the Con Plan and NRSA requirements. Outreach was aligned with the community plans and included two resident meetings, a non-profit focus group, and a multi-sectoral Consolidated Planning Steering Committee which met twice, three public hearings, and several meetings with the Land Bank, and other stakeholders. A summary of the Needs Assessment and Housing Market Study sections of the Con Plan and community surveys of over 700 persons and 22 agencies were presented to a community meeting as a part of the prioritization of housing and community development needs. Identify the needs in this target area. The 2017 Old South End Master Plan identified the following needs: grocery and basic needs stores; job creation and retention; business recruitment and retention; remediation of contaminated sites; demolition and reuse of vacant properties; housing code enforcement and nuisance abatement: and housing preservation of owner -occupied single family houses. Park improvements are also a priority.
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What are the opportunities for There are several public and private sector partners improvement in this target area? that are investing and working in the area. The COT has planned investments in economic development business loans, street paving, park improvements, and LED streetlight conversions. Other investments include rehabilitation of single-family rental housing and conversion of these for homeownership units. Private sector grants are also available to support capacity building, community engagement, income stability, and leadership development. Developing a Home Repair Loan Program that will help to preserve owner- occupied housing to maintain homeownership and neighborhood investment. Are there barriers to improvement in Barriers are distressed markets with low returns for this target area? new construction and land use and zoning laws that are barriers to infill new construction. Lack of predevelopment and patient capital, construction financing, and end mortgages. Lack of assisted housing for re-entry populations, lack of subsidy financing, poor quality housing stock impacting the market. 4 Area Name: Citywide Area Type: This geographic area covers activities that are not restricted to a particular target area Other Target Area Description: This geographic area covers activities that are not restricted to a particular target area HUD Approval Date: % of Low/ Mod: Revital Type: Other Revital Description: Identify the neighborhood boundaries for this target area. Include specific housing and commercial characteristics of this target area.
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How did your consultation and citizen participation process help you to identify this neighborhood as a target area? Identify the needs in this target area. What are the opportunities for improvement in this target area? Are there barriers to improvement in this target area? 5 Area Name: Low to Moderate Income & Slum and Blight Area Type: Local Target area Other Target Area Description: HUD Approval Date: % of Low/ Mod: Revital Type: Other Other Revital Description: Slum and Blight Identify the neighborhood boundaries The COT uses CDBG funds to partially fund code for this target area. enforcement activities in low-and moderate-income (LMI) areas that are deteriorated or deteriorating areas. Based on a 2015 Lucas County Land Bank Toledo Survey of 121,798 parcels in the City, most deteriorated properties in the City are in Districts 1, 3, and 4 (excluding census tracts 6, 7, 13.03, 21, 44, 74, 75). In 2016, the Center for Community Progress conducted a Blight study using the Toledo Survey data. Based on the referenced studies, the COT designated the areas as slum and blighted and allocated CDBG funding to address them. The COT further allocated CDBG funds to the City’s Council Districts, 2, 5, and 6 specifically in census tracts 9, 13.02, 57.01, 59.02, and 68. CDBG- assisted code enforcement activities are allocated only to census tracts having 51% or more of LMI households.
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Include specific housing and The low to moderate income and slum and blight areas commercial characteristics of this are distributed across the city. The low-to- moderate target area. income areas are characterized by a population that has 51% or more of its households having income of 80% of the Area Median Income (AMI) as published annually by HUD. How did your consultation and citizen The COT reviewed the designated slum and blight areas participation process help you to to determine if they still met the criteria and the impact identify this neighborhood as a target of the CDBG allocations in the areas. Slum and blight area? activities were included as an activity to determine priorities in the Con Plan process. COT staff educated residents, non-profit organizations, businesses, anchor institutions, and other entities on the Con Plan and NRSA requirements. Outreach was aligned with the community plans and included two resident meetings, a non-profit focus group, and a multi-sectoral Consolidated Planning Steering Committee which met twice, three public hearings, and several meetings with the Land Bank, and other stakeholders. A summary of the Needs Assessment and Housing Market Study sections of the Con Plan and community surveys of over 700 persons and 22 agencies were presented to a community meeting as a part of the prioritization of housing and community development needs. Identify the needs in this target area. The blighted conditions which led to the identification of the slum and blight areas include physical deterioration of structures, substandard building and facility conditions, inappropriate mixed character and uses of structures, deteriorated public facilities and services, etc. To prevent the demonstrated pattern of deterioration and worsening conditions, the City has targeted these areas for a range of activities including demolition, code enforcement, substantial rehabilitation, and rodent control, as well as other public facilities and improvements.
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What are the opportunities for Developing a Home Repair Loan Program that will help improvement in this target area? to preserve housing in blighted areas in order to maintain homeownership and investment. Additional efforts to expand housing rehabilitation activities through various housing programs will help improve and preserve housing conditions and inspire others to improve their property. The COT has worked with the Land Bank in demolishing dilapidated properties in the slum and blighted areas. The reuse of City and Land Bank owned lots was listed as a priority during the community engagement process. Vacant lots can be used to develop new single-family housing, community gardens, passive parks, green space, and urban agriculture. Are there barriers to improvement in Continued housing foreclosures, older housing stock, this target area? population loss and deferred maintenance can exacerbate a demonstrated pattern of deteriorated conditions. One of the challenges in redeveloping lots is assembling enough lots to facilitate a block by block approach and economies of scale for construction and site security. In addition, attracting homeowners is often impacted by the conditions of occupied rental and owner-occupied houses and neighborhood infrastructure and amenities.
General Allocation Priorities
Describe the basis for allocating investments geographically within the jurisdiction (or within the EMSA for HOPWA)
The Consolidated Plan regulations require entitlement jurisdictions to describe the geographic areas in which they will direct assistance during the ensuing program year. Although it is not mandatory to establish locally designated target areas where efforts will be concentrated, HUD strongly encourages grantees to do so. The intent of geographic targeting is to carry out multiple activities in a concentrated and coordinated way and leverage other public and private sector resources to facilitate comprehensive community development in the areas. The City of Toledo (COT) plans to use geographic targeting strategies to maximize the impact of federal grants in low- and moderate-income areas.
City-wide – City-wide investments benefit low-and-moderate income individuals and families and not specific areas. CDBG, HOME, and ESG programs are implemented city-wide to eligible populations regardless of where they live in the jurisdiction. City-wide funding allocations often overlap target areas.
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Slum and Blight Designation – Like many other Midwest cities, the problem of vacant, abandoned, or substandard homes that contribute to overall blight and decay has increased significantly in the COT. The City will use the Slum and Blight area designation to address this problem as described at 24 CFR Part 570.208(b)(1). The slum and blight national objective category permits activities that aid in the prevention or elimination of slums and blight conditions in a designated area(s).
Proposed Neighborhood Revitalization Strategy Areas (NRSA) – A NRSA is designed to use Community Development Block Grant (CDBG) funds in new and more strategic ways. The NRSA uses strategies to build market confidence in neighborhoods by stabilizing existing housing, increasing home values, creating, or retaining jobs, and expanding public services. The NRSA provides greater flexibility with CDBG funds and allows the City to serve more residents and business owners that would not otherwise be eligible.
The COT identified three areas for targeted investments and plans to apply to HUD for the designation of NRSAs within these areas as a part of an amendment to the Consolidated Plan. The City developed selection criteria, collected data, consulted with the HUD field office, and started citizen participation on the NRSAs as part of the Consolidated Plan process. Although CDBG funds can be spent on any eligible activity in an NRSA, to fully benefit from the NRSA incentives, the activities below are proposed:
• Owner-occupied home repair – aggregation of housing units to provide greater flexibility in carrying out housing programs that revitalize a neighborhood (24 CFR 570.208(a)(3) and (d)(5)(ii)) • Job Creation/Retention as low-moderate-income area benefit – removes the need for tracking income for persons taking or considered for such jobs (24 CFR 570.208 (a)(1)(vii) and (d)(5)(i)) • Economic development activities - Aggregate Public Benefit Standard Exemption-provides flexibility in program design and reducing record-keeping rules (24 CFR 570.209(b)(2)(ii) • Public services carried out by a Community-Based Development Organization (CBDO) will be exempt from the public service cap (24 CFR 570.204(b)(2)(ii))
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SP-25 Priority Needs - 91.215(a)(2) Priority Needs
Table 50 – Priority Needs Summary 1 Priority Need Improving Housing Affordability Name Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Elderly Public Housing Residents Geographic This geographic area covers activities that are not restricted to a particular target Areas area Affected Associated HOME: Home Buyer Development Goals Home Buyer Down Payment/Closing Costs Assistance Small rental housing financing and education Large rental housing/low-income housing tax credit Local affordable housing capacity -public services Home Repairs for Seniors and the Disabled Housing Repairs and Rehabilitation Rapid Re-Housing and Direct Financial Assistance Permanent Supportive Housing Increase number of emergency shelters Increase in transitional housing Housing/services for non-homeless special need pop Fair Housing Planning & Services HOME CHDO Set-aside Planning and Administration - CDBG Housing Rehabilitation Administration - CDBG HOME Administration Targeted Neighborhood Home Repairs
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Description Quality affordable housing, both owner-occupied and rental units, continues to be a need in Toledo neighborhoods. The Housing Needs Assessment (NA-10) clearly identifies the lack of affordable housing with housing cost burden being the most common housing problem. Another indicator of the need for quality affordable housing is the large number of families on the waiting list for public housing. The public housing authority, Lucas County Metropolitan Housing Authority (LMHA), is also facing an aging housing inventory and is directing efforts towards improvements and modernizations of their units (see MA-25 Public and Assisted Housing). The City plans to apply for a designation of areas as Neighborhood Revitalization Strategy Areas (NRSAs), which will allow serving households that exceed the 80% AMI threshold but fall below the income level to access private capital. Basis for Three factors are main contributors to the need for quality affordable housing: Relative • the aging housing stock, Priority • economic conditions; and • an aging population. The needs assessment identifies affordable homeownership and rental housing, code enforcement for substandard landlord housing as high priorities. The local housing authority has a waiting list of 2,322 awaiting affordable housing. The need for building local affordable housing development capacity and attracting more experienced developers was also a high priority. 2 Priority Need Improving Neighborhood Conditions Name Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Elderly Public Housing Residents Elderly Frail Elderly Geographic Junction/Englewood Areas Old South End Affected Garfield /Starr/ Raymer Low to Moderate Income & Slum and Blight
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Associated Local affordable housing capacity -public services Goals Code Enforcement & Nuisance Abatement incl. Rental Improvements to parks and community facilities Slum and blight reduction Improvements to public infrastructure for LMI Improved Neighborhoods by Comprehensive Planning Planning and Administration - CDBG Housing Rehabilitation Administration - CDBG Targeted Neighborhood Slum and Blight Reduction Establish and Maintain Community Gardens Supplement Lead Hazard Grants for At Risk Families Description Improve and sustain neighborhood conditions and prevention and reduction of blighted properties that affect neighborhood conditions and present safety and health hazards to the community. Vacant housing and lots and structures are a concern due to the age of the City’s housing stock – 87% built before 1979 Community gardens continue to assist in converting unproductive vacant land into productive uses. Need for improvements to parks and recreational facilities including providing equipment and accessibility features in LMI areas Basis for Code enforcement activities were noted as high priority in the surveys, but the Relative relative priority of the activity was the highest at 56% for agencies and over 90% Priority for residents. Based on community participation responses which listed this activity as a high priority and the need for funding to supplement general funds. 3 Priority Need Increase Home Repairs and Housing Preservation Name Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Elderly Public Housing Residents Elderly Frail Elderly Geographic This geographic area covers activities that are not restricted to a particular target Areas area Affected
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Associated Small rental housing financing and education Goals Large rental housing/low-income housing tax credit Local affordable housing capacity -public services Home Repairs for Seniors and the Disabled Housing Repairs and Rehabilitation Planning and Administration - CDBG Housing Rehabilitation Administration - CDBG HOME Administration Targeted Neighborhood Home Repairs Supplement Lead Hazard Grants for At Risk Families Description The City’s saw a 30% increase in its senior population from 2010 to 2017 and 40% of residents over the age of 65 having a disability. The City housing stock consisting of 87% of single-family houses built before 1979. Older structures are more susceptible to issues such as lead paint and deferred maintenance and the inability to maintain the homes put homeowners at risk of homelessness. Small rental housing needs repairs and there are 11,401 inactive/other vacant units in the City that impact neighborhood conditions. Basis for The City of Toledo’s older housing stock, increasing elderly population, and the Relative primarily smaller unit types have resulted in the need for housing Priority preservation. The cost of new construction housing and the fact that 50% of Toledo’s renter households are cost burdened suggest housing preservation. 4 Priority Need Econ Dev: Job Creation/Access and Business Asst. Name Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Elderly Public Housing Residents Elderly Persons with Mental Disabilities Persons with Physical Disabilities Persons with Developmental Disabilities Persons with Alcohol or Other Addictions Persons with HIV/AIDS and their Families Victims of Domestic Violence Other
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Geographic This geographic area covers activities that are not restricted to a particular target Areas area Affected Associated Job Creation/Retention incl. returning citizens Goals Business Recruitment/Retention Assistance Transportation support Planning and Administration - CDBG Housing Rehabilitation Administration - CDBG Description Economic development activities leading to the creation and retention of businesses and microenterprises and living wage jobs are viewed a high priority. Limited access to jobs due to inadequate transportation was a seen as a critical need. Basis for All economic development goals were rated high. The implementation of Relative strategic programs that assist businesses with resources to locate or remain in Priority Toledo continues to be essential for the community’s economic stability and growth. Emerging focus was placed on access to jobs for returning citizens and transportation to get to employment opportunities. 5 Priority Need Adequate Housing & Services for Homeless/At Risk Name Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Elderly Chronic Homelessness Individuals Families with Children Mentally Ill Chronic Substance Abuse veterans Persons with HIV/AIDS Victims of Domestic Violence Unaccompanied Youth Geographic This geographic area covers activities that are not restricted to a particular target Areas area Affected
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Associated Small rental housing financing and education Goals Large rental housing/low-income housing tax credit Coordinated Access for Homelessness Rapid Re-Housing and Direct Financial Assistance Permanent Supportive Housing Increase number of emergency shelters Increase in transitional housing Planning and Administration - CDBG Description The City will work with its Continuum of Care (CoC), the Toledo-Lucas County Homelessness Board (TLCHB) and its entire network of homeless service providers to prevent and end homelessness by providing solutions through the coordination of programs and services. Basis for Homelessness prevention was viewed as a high priority across the agency and Relative resident surveys. CDBG and ESG funds can be spent on this activity but CDBG Priority funds are subject to the 15% cap. The needs assessment identified a lack of shelters and permanent housing for the at risk homeless including women with children and single women. The Housing First model was highlighted. 6 Priority Need Adequate Housing & Services for Other Special Need Name Priority Level High Population Extremely Low Low Moderate Large Families Families with Children Elderly Elderly Frail Elderly Persons with Mental Disabilities Persons with Physical Disabilities Persons with Developmental Disabilities Persons with Alcohol or Other Addictions Persons with HIV/AIDS and their Families Victims of Domestic Violence Non-housing Community Development Geographic This geographic area covers activities that are not restricted to a particular target Areas area Affected
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Associated Small rental housing financing and education Goals Large rental housing/low-income housing tax credit Housing/services for non-homeless special need pop Planning and Administration - CDBG Description The City works with the TLCHB and other partners to ensure that persons returning from mental and physical health institutions receive appropriate supportive housing. The population includes non-homeless persons such as the elderly, frail elderly, persons with disabilities (mental, physical, developmental), persons with alcohol or other drug addictions, persons with HIV/AIDS and their families, public housing residents and any other categories that apply. Basis for Community input supported need for more senior friendly housing to meet the Relative increase in the elderly population including more SRO units and ADA training. Priority Other special needs populations were identified as high need which is supported by data. 7 Priority Need Provide and expand Public (Social) Services - 15% Name Priority Level High
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Population Extremely Low Low Moderate Large Families Families with Children Elderly Public Housing Residents Chronic Homelessness Individuals Families with Children Mentally Ill Chronic Substance Abuse veterans Persons with HIV/AIDS Victims of Domestic Violence Unaccompanied Youth Elderly Frail Elderly Persons with Mental Disabilities Persons with Physical Disabilities Persons with Developmental Disabilities Persons with Alcohol or Other Addictions Persons with HIV/AIDS and their Families Victims of Domestic Violence Other Geographic This geographic area covers activities that are not restricted to a particular target Areas area Affected Associated Local affordable housing capacity -public services Goals Transportation support Coordinated Access for Homelessness Increase or new public services Fair Housing Planning & Services Planning and Administration - CDBG Establish and Maintain Community Gardens
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Description (Per 24 CFR 570.201, activities to meet the goals under this priority funded with CDBG dollars are subject to 15% CDBG expenditure cap on public services.) Work with social service providers to assist with service or funding gaps and leverage other funding sources to provide services that meet basic human needs, lead individuals to obtain or maintain self-sufficiency for quality of life. NRSAs allow a waiver of the public services cap on public services carried out within the NRSAs but the services need to be carried out by a certified Community Based Development Organizations (CBDOs) Basis for Public services in the community are also addressed by other Federal, State, and Relative local agencies. Results of the agency and community surveys identified public Priority services as a priority especially services for youth and seniors and transportation. This includes other services that are also eligible under other priorities and other funding sources such as Emergency Solutions Grant (ESG) 8 Priority Need Fair Housing Name Priority Level Low
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Population Extremely Low Low Moderate Middle Large Families Families with Children Elderly Public Housing Residents Rural Chronic Homelessness Individuals Families with Children Mentally Ill Chronic Substance Abuse veterans Persons with HIV/AIDS Victims of Domestic Violence Elderly Frail Elderly Persons with Mental Disabilities Persons with Physical Disabilities Persons with Developmental Disabilities Persons with Alcohol or Other Addictions Persons with HIV/AIDS and their Families Victims of Domestic Violence Other Geographic This geographic area covers activities that are not restricted to a particular target Areas area Affected Associated Fair Housing Planning & Services Goals Planning and Administration - CDBG Description Fair housing practices ensure that safe, adequate, and affordable housing is available to all individuals without discrimination. The City is also required to certify that it will affirmatively further fair housing
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Basis for Although not listed as a high priority, funding must be provided to this activity to Relative ensure fair housing compliance. Monitoring and enforcement of fair housing laws Priority and regulations is an ongoing need in the Toledo community. Residents need to be assured that they have the option to select housing of their choice without any obstacles. Education is a very important component for residents and property owners/managers. The Analysis of Impediments to Fair Housing Choice (AI) prepared by the Toledo Fair Housing Center provides details regarding fair housing issues in the community and includes a fair housing action plan to address the elimination of existing barriers. The AI was included as a part of this process. 9 Priority Need Improve Public Infrastructure for LMI Households Name Priority Level Low Population Low Moderate Large Families Families with Children Geographic Junction/Englewood Areas Old South End Affected Garfield /Starr/ Raymer This geographic area covers activities that are not restricted to a particular target area Low to Moderate Income & Slum and Blight Associated Improvements to public infrastructure for LMI Goals Planning and Administration - CDBG Description Improving infrastructure for low- to moderate income households through assistance with water supply lines and other infrastructure Basis for Through public infrastructure planning, the City noted that many low- to Relative moderate income households were unable to finance utility connections to main Priority water line improvements.
Narrative (Optional)
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SP-30 Influence of Market Conditions – 91.215 (b) Influence of Market Conditions
Affordable Market Characteristics that will influence Housing Type the use of funds available for housing type Tenant Based Demand for affordable housing in Toledo is high. Based on the limited Rental Assistance resources available to LMI households, wait times for assisted housing can be (TBRA) excessive. The Annual PHA Plan for LMHA indicates a waiting list for public housing has 2,332 households. Due to this high level of demand, assistance must be prioritized to target households with the greatest need, such as homeless families and individuals.
The Toledo Lucas County Homelessness Board, through the operation of the Project HOME program from 2013 to 2019, has evidence that supports a rapid re-housing model as an efficient model for reducing homelessness, with 89% of households exiting to permanent housing and only 2% returning to homelessness within the first six months. These results support the continued need for the provision of TBRA through the HOME program as an effective approach to addressing the demand for affordable housing.
The City of Toledo works in partnership with the Toledo Lucas County Homelessness Board, Beach House, Inc., FOCUS, and Lutheran Social Services of Northwest Ohio in the administration of this program. The target population consists of those person and/or households identified as homeless. TBRA for Non- At present, there is no special needs population other than homeless persons Homeless Special that the City of Toledo expects to fund with TBRA. Needs
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Affordable Market Characteristics that will influence Housing Type the use of funds available for housing type New Unit Comparing the total number of households to the total number of housing Production units, Toledo currently has enough units to serve its residents. However, there remains a mismatch between available housing that is affordable to households at different income levels and demand for housing at those levels. Building more affordable housing units in lower income neighborhoods could help reduce the affordability gap many lower-income Toledo households are experiencing.
Although current demand for new units is generally not high, the need for more market rate housing may vary based on increased economic investment within the City of Toledo. While an increase in the number of market rate units in necessary to service an increasing population, there should also be an emphasis, where possible, on the use of mixed-income developments to minimize economic segregation within the City.
For purposes of HUD funding any new unit production efforts would run parallel to existing rehabilitation programs. Rehabilitation Much of Toledo’s housing stock was built before 1980. Due to their age, many of these homes are likely in need of some level of repair. Additionally, the city has lost nearly 20 percent of its population over the last 30 years, resulting in large numbers of vacant and abandoned properties. A consequence of this significant population loss is that new unit construction is minimal, and that the rehabilitation and renovation of structures has become more prevalent. Through improvements to existing units and investments in neighborhoods, communities can be strengthened and revitalized. Acquisition, In general, the City of Toledo’s Department of Neighborhoods does not engage including in acquisition of properties but supports non-profit developers with acquisition. preservation CDBG funds cannot be used by a for-profit developer for land acquisition. Table 51 – Influence of Market Conditions
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SP-35 Anticipated Resources - 91.215(a)(4), 91.220(c) (1,2) Introduction
The Consolidated Plan’s anticipated resources available for the five-year period is based on an estimate of existing entitlement funds and anticipated program income if these will be an ongoing and steady source such as in the case of regular amortized loan repayments. For its FY 2020-2021 Annual Action Plan, the City anticipated receiving entitlement funding in the amount of $7,570,178 in CDBG, $2,228,962 in HOME and $652,282 in ESG. Using the FY 2020-2021 entitlement allocations, the City estimates receiving $37,850,890 in CDBG, $11,144,810 in HOME, and $3,261,410 in ESG funds for the FY 2020-2024 Consolidated Plan period. As of June 30, 2020, a total of carryover funds in the amount of $6,428,666 will be available for FY 2020-2021 and will be reallocated to that year’s activities. Any other unobligated funding not included in the carryover will be reallocated through a substantial amendment of that year's Annual Action Plan when decisions have been made about the allocation of those resources.
• CDBG: $2,758,433 • HOME: $3,670,233
CDBG program income of $233,464 is projected for FY 2020-2021. The City also received NSP program income since 2009 and converted some of it to CDBG to carry out eligible activities. A balance of $184,462 in NSP funds is available and will be used to carry out NSP eligible activities in support of the Consolidated Plan. Additional NSP program income is likely during the Consolidated Plan period, but an estimate is not available.
Each year of the Consolidated Plan, HUD will inform the City of its allocation of entitlement funds based on congressional appropriations. The estimates of carryforward funds going into the first year of the Consolidated Plan will be subject to reconciliation of accounts and processing of payments to arrive at a final accurate amount. The amounts listed below may be adjusted before the approval of the final Consolidated Plan.
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Anticipated Resources
Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ CDBG public - Per HUD, the Community federal Development Block Grant (CDBG) program is a flexible program that provides communities with resources to address a wide range of unique community development needs. The CDBG Acquisition program works to ensure decent Admin and affordable housing, to provide Planning services to the most vulnerable in Economic our communities, and to create Development jobs through the expansion and Housing retention of businesses. The Public annual allocations are typically Improvements fully expended every program Public Services 7,570,178 233,464 2,758,433 10,562,075 30,280,712 year.
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Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ HOME public - Per HUD, the HOME Investment federal Acquisition Partnerships Program (HOME) Homebuyer provides formula grants to States assistance and localities that communities Homeowner use to fund a wide range of rehab activities including homeowner Multifamily rehabilitation, home buyer rental new activities, rental housing and construction tenant-based rental assistance, Multifamily with the intent to provide safe, rental rehab adequate and decent affordable New housing to lower-income construction for households and expand the ownership capacity of non-profit housing TBRA 2,228,962 0 3,670,233 5,899,195 8,915,848 providers.
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Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ ESG public - Conversion and In accordance with the federal rehab for McKinney-Vento Homeless transitional Assistance Act, as amended by housing the Homeless Emergency Financial Assistance and Rapid Transition Assistance to Housing (HEARTH) Act, HUD Overnight distributes Emergency Solutions shelter Grant (ESG) funds to Rapid re- communities for street outreach, housing (rental emergency shelter, homelessness assistance) prevention, rapid re-housing Rental assistance, and homeless Assistance management information Services systems. The annual allocations Transitional are typically fully expended every housing 652,282 0 0 652,282 2,609,128 program year.
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Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ Competitive public - Toledo Public Schools receives McKinney- federal McKinney-Vento Homeless Vento Assistance Funds through the Homeless Ohio Department of Education Assistance Act for school transportation, school supplies, school uniforms, tutoring and programming needs. The amount of funds to be received depends upon the federal funding allocated to homeless youth and upon the need in the district. Toledo's allocation in FY 19 was $400,000 and is being used as estimate for Year 1. The City of Toledo does not receive or administer these Other 400,000 0 0 400,000 1,600,000 funds.
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Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ Continuum of public - The Continuum of Care (CoC) Care federal Program is designed to promote communitywide commitment to the goal of ending homelessness; provide funding for efforts by nonprofit providers, and State and local governments to quickly re-house homeless individuals and families while minimizing the trauma and dislocation caused to homeless individuals, families, and communities by homelessness; promote access to and effect utilization of Admin and mainstream programs by Planning homeless individuals and Rapid re- families; and optimize self- housing (rental sufficiency among individuals and assistance) families experiencing Rental homelessness. Estimate based on Assistance current funding and could TBRA change. The City of Toledo does Transitional not receive or administer these housing 3,955,340 0 0 3,955,340 15,821,360 funds.
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Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ Other public - The Land Reutilization Program local (Land Bank) is a community improvement corporation designed to strengthen neighborhoods in Lucas County by returning vacant and abandoned properties to productive use. The estimate is based on the organization's Admin and current budget. The City of Planning Toledo does not receive or Other 4,750,000 0 0 4,750,000 19,000,000 administer these funds. Table 52 - Anticipated Resources
Explain how federal funds will leverage those additional resources (private, state, and local funds), including a description of how matching requirements will be satisfied
CDBG funding is the primary source for many of the goals outlined in the Consolidated Plan. HOME and ESG funding also contribute significantly to achieving and homeless prevention goals, respectively. By combining these federal funds from HUD with other state and local resources, we are much better positioned to address the many needs facing the community. These combined resources, as well as efficiencies created through strategic partnerships with other organizations, gives the city an increased capacity to address the needs identified in this Consolidated Plan. In combining HUD funds with these other resources, we can expand the availability of the many benefits these programs provide. These combined resources are used in efforts to increase homeownership rates for LMI residents, address the crisis of homelessness, create a more suitable living environment, provide decent, safe, and sanitary housing, address blight and decay, and many other beneficial activities.
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HOME and ESG finds both have mandated matching requirements. While CDBG funds do not require a match, as a policy of the DNBD, all third-party partners that receive CDBG funds must provide a 1:1 match for each dollar received. This is the same 1:1 match that is mandated by HUD for ESG funds. Applicants for CDBG and ESG funding must identify and document the match in their funding applications. The matching requirement for HOME funds is set by HUD based on criteria related to severe fiscal distress. As stated in CFR 92.218, contributions counted as match must total not less than 25% of funds drawn from HOME. The City’s 2019 matching requirement continues at 0% and it is expected to remain the same for 2020.
Other CDBG Resource: Section 108 - During the Consolidated Plan period through a substantial amendment, the COT will explore utilization of the Section 108 Loan Guarantee component of the CDBG Program. This program provides financing for up to 5 times of the participating jurisdictions annual CDBG allocation for eligible projects. As of February 2020, the City of Toledo’s Section 108 Available Borrowing Authority was $37.8 million. Potential applications will seek financing for housing rehabilitation, economic development, public facilities, and mixed-use projects in targeted neighborhoods.
If appropriate, describe publicly owned land or property located within the jurisdiction that may be used to address the needs identified in the plan
To carry out housing, economic and community development activities, CDBG and HOME funded programs may obtain publicly owned land or property through the Lucas County Land Reutilization Corporation (Land Bank). The Land Bank acquires vacant and abandoned foreclosed properties and converts them to productive use. The Land Bank recently met their goal of demolishing or selling and renovating 1500 properties and has established a new goal of 2000 additional demolitions in 1500 days. The Land Bank assists eligible residents in purchasing and renovating properties, and partners with community members in utilizing vacant lots from demolitions for re-use by residents, community groups, and neighborhood leaders. Vacant lots are sometimes offered to neighboring homeowners to increase lot sizes.
In meeting HUD’s CDBG objective of benefit to low- and moderate-income persons and Elimination of Slum and Blight, the Land Bank meets the following goals and objectives established in this plan:
• Demolition of Blighted Properties • Decrease Rodents in the City of Toledo • Establish and Maintain Community Gardens • Contaminated Sites Remediation for Re-development • Down Payment/Closing Costs Assistance (through acquisition and rehabilitation of properties) • New construction (only by Community-Based Development Organizations CBDO’s)
Additionally, CDBG funds will be used to promote economic development opportunities by assisting for profit businesses with the attraction or retention of businesses and jobs, façade improvements, and tax and real estate incentives.
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Discussion
The City has been engaged in funding and participating in multiple community planning efforts with a variety of stakeholders. These sessions have led to the development of several community plans with clear vision, goals, objectives, and proposed activities along with possible sources of financing. The City has been investing in these neighborhoods and saw an opportunity to leverage its CDBG, HOME, and ESG funds with other City capital expenditures and private sector financing. The Consolidated Plan process was used to encourage further collaboration and joint investment of dollars to have the most significant impact. One of the proposed strategies is to use the CDBG Neighborhood Revitalization Strategy Areas to focus federal dollars and align them with other investments. The City is also reviewing its service delivery system to ensure it is both efficient and effective. The use of external organizations including community- based non-profits to deliver some services instead of internal departments was discussed. Organizational capacity of subrecipients, greater collaboration, and helping them to access other sources of funding was also highlighted.
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SP-40 Institutional Delivery Structure – 91.215(k)
Explain the institutional structure through which the jurisdiction will carry out its consolidated plan including private industry, non-profit organizations, and public institutions.
Responsible Entity Responsible Entity Role Geographic Area Type Served City of Toledo - Government Economic Jurisdiction Department of Development Neighborhoods Homelessness Non-homeless special needs Ownership Planning Rental neighborhood improvements public facilities public services City of Toledo - Government Non-homeless special Jurisdiction Department of Law needs Ownership Rental neighborhood improvements City of Toledo - Plan Government Non-homeless special Jurisdiction Commission needs Planning neighborhood improvements Toledo Lucas County Continuum of care Homelessness Region Homelessness Board Planning Lucas County PHA Public Housing Region Metropolitan Housing Rental Authority (LMHA)
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Responsible Entity Responsible Entity Role Geographic Area Type Served LUCAS COUNTY Government Economic Region Development Homelessness Non-homeless special needs Ownership Planning Rental neighborhood improvements public facilities public services Mental Health and Government Non-homeless special Region Recovery Services needs Board Planning public services UNITED WAY OF Non-profit Homelessness Region GREATER TOLEDO organizations Non-homeless special needs public services Lucas County Board of Government Non-homeless special Other Developmental needs Disabilities public services OhioMeansJobs - Lucas Government Economic Other County Development Non-homeless special needs Lucas County Land Public institution Non-homeless special Other Reutilization needs Corporation neighborhood improvements TOLEDO-LUCAS Government Non-homeless special Region COUNTY HEALTH needs DEPARTMENT public services NeighborWorks Toledo CHDO Ownership Jurisdiction Region Rental
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Responsible Entity Responsible Entity Role Geographic Area Type Served Local Initiatives Non-profit Economic Jurisdiction Support Corporation organizations Development Toledo Non-homeless special needs Ownership Rental neighborhood improvements public services Preferred Properties, CHDO Rental Jurisdiction Inc. Northwest Ohio Non-profit Ownership Region Development Agency organizations Toledo Area Regional Government Non-homeless special Region Transit Authority needs (TARTA) Planning public services Toledo Lucas County Other Economic Region Port Authority Development Non-homeless special needs Neighborhood Non-profit Homelessness Other Properties organizations Non-homeless special needs Rental public services Fair Housing Center Non-profit Homelessness Region organizations Ownership Planning Public Housing Rental Lucas County Government Non-homeless special Other Department of Job and needs Family Services public services Equitas Health Non-profit Homelessness Region organizations Non-homeless special needs public services
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Responsible Entity Responsible Entity Role Geographic Area Type Served City of Toledo Office of Government Economic Jurisdiction Diversity and Inclusion Development Non-homeless special needs City of Toledo Government Economic Jurisdiction Department of Development Economic Development Non-homeless special needs Table 53 - Institutional Delivery Structure
Assess of Strengths and Gaps in the Institutional Delivery System
The City of Toledo’s Five-Year Consolidated Plan process involved an interjurisdictional effort bringing together numerous entities through mutual participation, contribution, and various forms of input to identify delivery gaps and the steps necessary to address and close those gaps. To address the needs of the community, the DON coordinates with service providers, housing agencies, private sector participants, and public sector agencies. For efforts that directly relate to housing, the Department of Neighborhoods, Division of Housing, works closely with the Lucas Metropolitan Housing Authority (LMHA), the Homebuilders Association of Greater Toledo, CHDOs, Toledo Lucas County Homelessness Board, Lucas County Land Bank and other regional partners to undertake and promote stable housing activities.
The Year 16 Initiative (YR16) is a collaborative partnership that includes the DON, Ohio Capital Corporation for Housing, Ohio Housing Finance Agency, National Equity Fund, local lending institutions, Local Initiatives Support Corporation (LISCC), Lucas County Land Bank, Lucas Metropolitan Housing Authority, Wallick Communities, United North, NeighborWorks, technical assistance providers, CHN Housing Partners and Neighborhood Progress, Inc. (NPI). The continuing goal is to provide homeownership opportunities to lease-tenants once the 15-year compliance period expires for Low-Income Housing Tax Credit projects. Building on strategies already developed, this Toledo partnership has funded and hired a staff to maximize revenues and control expenses for the projects, build capacity in asset and property management, and provide homeownership readiness and financing opportunities to increase home buying and improve neighborhood stability.
The Continuum of Care (CoC) local planning process supports the Toledo area homeless prevention, emergency shelter, transitional housing, permanent supportive housing, and supportive service needs. The City of Toledo continues to remain an active partner within the CoC and maintains a productive relationship with the Toledo Lucas County Homelessness Board (TLCHB), the lead agency in the CoC.
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The City of Toledo Department of Development (DOD) continues to promote access for job creation, job retention and business development. The DOD offers a variety of loans options, incentives, and tax credit programs to help local businesses get the resources they need to their business started, including:
• The Community Reinvestment Area (CRA) Program provides real property tax abatement for new construction or for the rehabilitation of residential, commercial, or industrial structures within pre-designated areas. The City’s CRA program works to promote investment to properties located within neighborhoods that have experienced decline as a result of disinvestment. • The Enterprise Development Loan (EDL) Program works to secure the retention and creation of jobs for low- and moderate-income residents of the City through subordinated, long-term financing at attractive rates. • The Enterprise Zone Tax Abatement Program was designed to create jobs and promote economic growth in a specified geographical area of the City. The program works to establish facilities and create or preserve jobs in exchange for a tax credit. • The Toledo Expansion Incentive (TEI) Program provides incentives to attract and grow businesses in key Standard Industrial Classifications (SIC) Codes and site locations within the City of Toledo. This program may be used in conjunction with other financing and incentive programs available through the federal government, State, Toledo-Lucas County Port Authority, and other City incentive programs.
Availability of services targeted to homeless persons and persons with HIV and mainstream services
Homelessness Prevention Available in the Targeted to Targeted to People Services Community Homeless with HIV Homelessness Prevention Services Counseling/Advocacy X X X Legal Assistance X Mortgage Assistance X X Rental Assistance X X X Utilities Assistance X X X Street Outreach Services Law Enforcement X Mobile Clinics X X Other Street Outreach Services X X Supportive Services Alcohol & Drug Abuse X X Child Care X X Education X X Employment and Employment Training X X Healthcare X X X
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HIV/AIDS X X X Life Skills X X X Mental Health Counseling X X X Transportation X X X Other X X X Table 54 - Homeless Prevention Services Summary Describe how the service delivery system including, but not limited to, the services listed above meet the needs of homeless persons (particularly chronically homeless individuals and families, families with children, veterans and their families, and unaccompanied youth)
The Toledo Lucas County Continuum of Care (CoC) collaborates with local agencies to provide housing and other wrap around services to customers. The Toledo Lucas County Homelessness Board (TLCHB) serves as the lead agency and governing body of the Toledo Lucas CoC. Local collaborations include organizations such as: Toledo Department of Neighborhoods , Lucas County Commissioners, Neighborhood Properties, Inc., Mental Health and Recovery Services Board, Lucas Metropolitan Housing Authority, local shelters, transitional housing, hospitals, schools, mental health providers, law enforcement, Criminal Justice Coordinating Council, and any other service provider that may touch a customer in the process of providing services.
The Mental Health and Recovery Services Board of Lucas County and local mental health agencies (A Renewed Mind, Harbor Behavioral Health, Unison Health, and the Zepf Center) are also involved in the CoC planning processes to ensure clients are provided the most appropriate and continuous delivery of services possible. The CoC collaborates with Lucas County Job and Family Services to design outreach and assistance plans for eligible clients. The CoC also collaborates with Ohio Means Jobs (the one-stop employment and training local agency) and various medical systems to coordinate processes or address gaps in client’s service delivery.
The City of Toledo works with the following homeless service providers to address and eliminate homelessness:
• The Aurora Project, Inc. provides stable, safe, and service-enriched transitional housing to homeless women and their children to enable them to ultimately obtain and maintain permanent housing. • Beach House, Inc. provides emergency shelter, rapid re-housing, and case management services to homeless women and families. • Catholic Charities (La Posada) provides emergency shelter and supportive services to homeless persons and assist them in obtaining transitional or permanent housing. • Family House provides emergency shelter and re-housing assistance to homeless families. • St. Paul’s Community Center provides emergency shelter, case management services, and nutritious lunches to homeless individuals.
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• United Way of Greater Toledo provides diversion services, homelessness prevention, and housing crisis response for households experiencing homelessness. • The Zepf Center provides transitional housing that is recovery-focused provides a foundation of stability and security for individuals in early sobriety.
Although the City of Toledo does not receive HOPWA funding, Equitas Health (formerly known as the AIDS Resource Center) Toledo offices work with the HIV/AIDS population on issues related to obtaining/maintaining housing and avoiding homelessness. Equitas Health is committed to providing access to the essential care and services that people living with HIV/AIDS need to live stable and healthy lives, which inherently include providing access to housing.
Describe the strengths and gaps of the service delivery system for special needs population and persons experiencing homelessness, including, but not limited to, the services listed above
Meeting homelessness challenges in the City of Toledo is a collaborative effort comprising of numerous agencies, organizations, and providers. The City of Toledo uses its CDBG, ESG and HOME funds to effectively support housing and community development activities and has been able to effectively deploy time-limited funding sources from programs such as the Neighborhood Stabilization Program (NSP). In addition, the City partners with the County and regional agencies to provide housing and homeless services for special needs populations. However, the financial resources available to the City for housing and community development are insufficient to meet the need. Most notably, the City does not receive HOPWA funding and many housing and community development services are not targeted to persons living with HIV/AIDS. While these services are important, services for persons living with HIV/AIDS were not identified as a priority need during the citizen participation process.
In terms of special needs populations, the primary obstacle to fully addressing the needs outlined in the Consolidated Plan is the availability of funding. Federal and state budget changes and shortfalls for social service programs may jeopardize the model that combines affordable housing with needed social services. The City of Toledo will continue to seek partnerships, coordination or collaboration, and funds that contribute to stability and growth for residents of the City of Toledo.
Provide a summary of the strategy for overcoming gaps in the institutional structure and service delivery system for carrying out a strategy to address priority needs
Provide a summary of the organizational capacity of the grantee and its partners to address the needs of the community’s homeless population and persons with special needs.
To ensure that the CoC understand the needs of homeless persons, the CoC has enlisted the assistance of currently and formerly homeless persons to provide knowledge and input to the design and implementation of the local CoC processes. The CoC also utilizes data produced from the HMIS system to correlate the numbers reported to the information being presented by the homeless and formerly homeless persons that are providing input. By utilizing this process, the CoC has been able to focus service
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delivery more effectively and target any areas with an identified gap more rapidly to get services to the target populations. The United Way of Greater Toledo manages the CoC’s local coordinated access system, a centralized intake process established as the primary entry for homelessness services. Many other local nonprofits, faith-based institutions, community advocates, food programs, health agencies, and special needs population advocates remain as an integral part of the CoC.
Provide a summary of the strategy for overcoming gaps in the institutional structure and service delivery system for carrying out a strategy to address priority needs.
Although the City of Toledo coordinates with homeless and public service providers, there is always room for improved communication and cooperation between agencies and the public and private sectors. To help meet the needs of its residents who are experiencing homelessness, the City will continue to collaborate with the CoC and its local agencies. The primary gap in the delivery of services is the lack of adequate financial resources to best serve the City’s needs. The scope of services needed for low and moderate-income households, particularly those with special needs, often exceeds any combination of available resources. The City’s commitment to participate in regional efforts to address priority needs will assist in bridging the funding and service gaps.
Community development activities build stronger and more resilient communities through an ongoing process of identifying and addressing needs, assets, and priority investments. Community development activities may support housing and public services, but also economic development projects, microenterprise assistance, and other areas of job and business development.
The Municipal Jobs Creation Tax Credit (MJCTC) Program authorizes the City of Toledo, through the Mayor and City Council, to grant credits to businesses, by ordinance, against municipal income taxes (payroll taxes) on businesses net profits based upon new municipal income tax revenues generated from new jobs.
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SP-45 Goals Summary – 91.215(a)(4)
Goals Summary Information
Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 1 HOME: Home Buyer 2020 2024 Affordable Citywide Improving HOME: Homeowner Housing Development Housing Housing $846,670 Added: Affordability 5 Household Housing Unit 2 Home Buyer Down 2020 2024 Affordable Citywide Improving HOME: Direct Financial Payment/Closing Costs Housing Housing $2,400,000 Assistance to Assistance Affordability Homebuyers: 118 Households Assisted 3 Small rental housing 2020 2024 Affordable Citywide Improving HOME: Rental units constructed: financing and Housing Housing $1,100,000 12 Household Housing education Affordability Unit Increase Home Repairs and Housing Preservation Adequate Housing & Services for Homeless/At Risk Adequate Housing & Services for Other Special Need
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 4 Large rental 2020 2024 Affordable Citywide Improving CDBG: Rental units rehabilitated: housing/low-income Housing Housing $375,000 15 Household Housing housing tax credit Affordability Unit Increase Home Repairs and Housing Preservation Adequate Housing & Services for Homeless/At Risk Adequate Housing & Services for Other Special Need
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 5 Local affordable 2020 2024 Affordable Citywide Improving CDBG: Other: housing capacity - Housing Housing $100,000 40 Other public services Affordability Improving Neighborhood Conditions Increase Home Repairs and Housing Preservation Provide and expand Public (Social) Services - 15% 6 Code Enforcement & 2020 2024 Non-Housing Citywide Improving CDBG: Housing Code Nuisance Abatement Community Low to Moderate Neighborhood $7,001,320 Enforcement/Foreclosed incl. Rental Development Income & Slum and Conditions Property Care: Blight 55000 Household Housing Unit 7 Improvements to parks 2020 2024 Non-Housing Low to Moderate Improving CDBG: Public Facility or and community Community Income & Slum and Neighborhood $1,866,268 Infrastructure Activities facilities Development Blight Conditions other than Low/Moderate Income Housing Benefit: 60000 Persons Assisted
Other: 5 Other
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 8 Slum and blight 2020 2024 Non-Housing Citywide Improving CDBG: Housing Code reduction Community Low to Moderate Neighborhood $566,585 Enforcement/Foreclosed Development Income & Slum and Conditions Land Bank: Property Care: Blight $23,750,000 5750 Household Housing Unit 9 Home Repairs for 2020 2024 Affordable Citywide Improving CDBG: Homeowner Housing Seniors and the Housing Low to Moderate Housing $2,427,240 Rehabilitated: Disabled Non- Income & Slum and Affordability 640 Household Housing Homeless Blight Increase Home Unit Special Needs Repairs and Housing Preservation 10 Housing Repairs and 2020 2024 Affordable Citywide Improving CDBG: Homeowner Housing Rehabilitation Housing Housing $4,389,095 Rehabilitated: Affordability HOME: 1735 Household Housing Increase Home $6,980,521 Unit Repairs and Housing Preservation 11 Job Creation/Retention 2020 2024 Non-Housing Citywide Econ Dev: Job CDBG: $0 Other: incl. returning citizens Community Creation/Access HOME: $0 0 Other Development and Business ESG: $0 Asst. 12 Business 2020 2024 Non-Housing Citywide Econ Dev: Job CDBG: $0 Other: Recruitment/Retention Community Creation/Access HOME: $0 0 Other Assistance Development and Business ESG: $0 Asst.
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 13 Transportation support 2020 2024 Non-Housing Citywide Econ Dev: Job CDBG: Public service activities Community Creation/Access $55,000 for Low/Moderate Development and Business Income Housing Benefit: Asst. 1050 Households Assisted Provide and expand Public (Social) Services - 15% 14 Coordinated Access for 2020 2024 Homeless Citywide Adequate CDBG: Other: Homelessness Non-Housing Housing & $162,500 1 Other Community Services for ESG: Development Homeless/At $3,261,410 Risk Competitive Provide and McKinney- expand Public Vento (Social) Services Homeless - 15% Assistance Act: $2,000,000 Continuum of Care: $19,776,700
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 15 Rapid Re-Housing and 2020 2024 Affordable Citywide Improving CDBG: Tenant-based rental Direct Financial Housing Housing $247,500 assistance / Rapid Assistance Homeless Affordability HOME: Rehousing: Adequate $350,000 620 Households Assisted Housing & Services for Homeless/At Risk 16 Permanent Supportive 2020 2024 Affordable Citywide Improving CDBG: Housing for Homeless Housing Housing Housing $329,275 added: Homeless Affordability 810 Household Housing Adequate Unit Housing & Services for Homeless/At Risk 17 Increase number of 2020 2024 Affordable Citywide Improving CDBG: Homeless Person emergency shelters Housing Housing $302,500 Overnight Shelter: Homeless Affordability 2945 Persons Assisted Adequate Housing & Services for Homeless/At Risk
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 18 Increase in transitional 2020 2024 Affordable Citywide Improving CDBG: Overnight/Emergency housing Housing Housing $450,000 Shelter/Transitional Homeless Affordability Housing Beds added: Adequate 210 Beds Housing & Services for Homeless/At Risk 19 Housing/services for 2020 2024 Affordable Citywide Improving CDBG: $0 Other: non-homeless special Housing Housing HOME: $0 0 Other need pop Non- Affordability ESG: $0 Homeless Adequate Special Needs Housing & Services for Other Special Need 20 Increase or new public 2020 2024 Non-Housing Citywide Provide and CDBG: Public service activities services Community Low to Moderate expand Public $4,499,880 other than Low/Moderate Development Income & Slum and (Social) Services Income Housing Benefit: Blight - 15% 168545 Persons Assisted 21 Fair Housing Planning & 2020 2024 Non-Housing Citywide Improving CDBG: Public service activities Services Community Housing $750,000 other than Low/Moderate Development Affordability Income Housing Benefit: Provide and 17535 Persons Assisted expand Public (Social) Services - 15% Fair Housing
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 22 Improvements to public 2020 2024 Non-Housing Citywide Improving CDBG: Public Facility or infrastructure for LMI Community Low to Moderate Neighborhood $250,000 Infrastructure Activities Development Income & Slum and Conditions other than Low/Moderate Blight Improve Public Income Housing Benefit: Infrastructure 125 Persons Assisted for LMI Households 23 HOME CHDO Set-aside 2020 2024 Affordable Citywide Improving HOME: Homeowner Housing Housing Housing $2,273,372 Added: Affordability 21 Household Housing Unit 24 Improved 2020 2024 Non-Housing Citywide Improving CDBG: Other: Neighborhoods by Community Low to Moderate Neighborhood $435,125 0 Other Comprehensive Development Income & Slum and Conditions Planning Blight
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25 Planning and 2020 2024 Affordable Citywide Improving CDBG: Other: Administration - CDBG Housing Housing $6,385,055 1 Other Public Affordability Housing Improving Homeless Neighborhood Non- Conditions Homeless Increase Home Special Needs Repairs and Non-Housing Housing Community Preservation Development Econ Dev: Job Creation/Access and Business Asst. Adequate Housing & Services for Homeless/At Risk Adequate Housing & Services for Other Special Need Provide and expand Public (Social) Services - 15% Fair Housing Improve Public
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year Infrastructure for LMI Households 26 Housing Rehabilitation 2020 2024 Affordable Citywide Improving CDBG: Other: Administration - CDBG Housing Housing $5,150,035 1 Other Affordability Improving Neighborhood Conditions Increase Home Repairs and Housing Preservation Econ Dev: Job Creation/Access and Business Asst. 27 HOME Administration 2020 2024 Affordable Citywide Improving HOME: Other: Housing Housing $864,480 1 Other Public Affordability Housing Increase Home Homeless Repairs and Housing Preservation
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 28 Targeted 2020 2024 Affordable Junction/Englewood Improving CDBG: Homeowner Housing Neighborhood Home Housing Old South End Housing $600,000 Rehabilitated: Repairs Garfield /Starr/ Affordability 40 Household Housing Raymer Increase Home Unit Repairs and Housing Preservation 29 Targeted 2020 2024 Non-Housing Junction/Englewood Improving CDBG: Other: Neighborhood Slum Community Old South End Neighborhood $900,000 15373 Other and Blight Reduction Development Garfield /Starr/ Conditions Raymer 30 Establish and Maintain 2020 2024 Non-Housing Citywide Improving CDBG: Public service activities Community Gardens Community Low to Moderate Neighborhood $816,945 other than Low/Moderate Development Income & Slum and Conditions Income Housing Benefit: Blight Provide and 15880 Persons Assisted expand Public (Social) Services - 15% 31 Supplement Lead 2020 2024 Affordable Citywide Improving CDBG: Homeowner Housing Hazard Grants for At Housing Neighborhood $2,500,000 Rehabilitated: Risk Families Lead Conditions 125 Household Housing Remediation Increase Home Unit Rehab Repairs and Housing Preservation Table 55 – Goals Summary
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Goal Descriptions
1 Goal Name HOME: Home Buyer Development Goal The City will use HOME carryover funding in FY 2020-2021 for new construction Description or acquisition rehabilitation, and resale of single-family homes for homeownership. 2 Goal Name Home Buyer Down Payment/Closing Costs Assistance Goal The City will use HOME funds including carryover for FY 2020-2021 for down Description payment and closing costs assistance for low- to moderate-income first-time homebuyers. 3 Goal Name Small rental housing financing and education Goal The City will use HOME funds to assist owners of rental housing that serves low-to Description moderate-income household with repair costs and provide education for landlord and tenants 4 Goal Name Large rental housing/low-income housing tax credit Goal The City will provide carryover HOME funding to assist developers with the new Description construction and preservation of large multi-family rental housing projects for low- to moderate income tenants including low-income housing tax credit (LIHTC) funded projects. 5 Goal Name Local affordable housing capacity -public services Goal The City will provide CDBG funding for financial and technical assistance to build Description the capacity of local non-profit real estate developers of affordable housing. 6 Goal Name Code Enforcement & Nuisance Abatement incl. Rental Goal The City will administer CDBG funds for inspections, legal, and service delivery Description costs for enforcement of housing codes to reduce blighted properties and improve neighborhood conditions in low-to moderate-income and slum and blighted areas. 7 Goal Name Improvements to parks and community facilities Goal The City will provide CDBG entitlement including carryover FY 2020 funding for Description improvements to parks and recreational facilities in low- to moderate-income (LMI) areas or that benefit LMI residents
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8 Goal Name Slum and blight reduction Goal The City will provide CDBG funding to reduce blight by prosecuting property Description owners who fail to comply with Toledo Municipal Codes related to nuisance orders in low- to moderate-income areas to benefits of the residents. The City of Toledo will coordinate with the Toledo/Lucas County Land Reutilization Program (Land Bank) which is a community improvement corporation designed to strengthen neighborhoods in Lucas County by returning vacant and abandoned properties to productive use. These additional funds are not administered by the City but support slum and blight removal and improvement of the City's neighborhoods especially those that are a majority low-income. Outcomes will be generated by the Land Bank. 9 Goal Name Home Repairs for Seniors and the Disabled Goal The City will provide CDBG funding for home repairs and accessibility Description modifications to allow mainly seniors and people with disabilities to remain in their residences, including emergency repairs. 10 Goal Name Housing Repairs and Rehabilitation Goal The City will provide HOME entitlement and carryover funding to provide housing Description assistance for rehabilitation of existing owner-occupied housing for low income households. 11 Goal Name Job Creation/Retention incl. returning citizens Goal The City will allocate CDBG funds to increase job opportunities through assistance Description to small and medium size private businesses including jobs for citizens returning from incarceration. 12 Goal Name Business Recruitment/Retention Assistance Goal The City will allocate CDBG funds to programs and assistance to encourage Description establishment and growth of small and medium private businesses (grants/loans/technical assistance/incentives). 13 Goal Name Transportation support Goal The City will allocate CDBG funds to help businesses or individuals for Description transportation access to job opportunities
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14 Goal Name Coordinated Access for Homelessness Goal The City will allocate CDBG and ESG funds to operate a centralized system for Description homeless assistance to determine needs and match individuals/families with the type of assistance needed. The City of Toledo will coordinate with other funding for homeless related assistance available through the McKinney-Vento Homelessness Assistance Act and the Toledo Lucas County Continuum of Care. These funds are not administered by the City but contribute to homelessness prevention and reduction. Outcomes will be generated by the administrators of the funds. 15 Goal Name Rapid Re-Housing and Direct Financial Assistance Goal Provide rental financial assistance to prevent homelessness and assist the Description homeless in obtaining/retaining permanent housing 16 Goal Name Permanent Supportive Housing Goal Provide long-term community-based housing, which includes supportive services Description for homeless persons with disabilities. 17 Goal Name Increase number of emergency shelters Goal Provide temporary shelter for the homeless for a period of 90 days or less. Description Supportive services may or may not be provided in addition to shelter. 18 Goal Name Increase in transitional housing Goal Provide supportive housing services to facilitate the movement of homeless Description individuals and families to permanent housing, generally for up to 24 months. 19 Goal Name Housing/services for non-homeless special need pop Goal Assistance for housing and support programs for elderly, persons with HIV/AIDS, Description persons with mental illness and other special needs populations. 20 Goal Name Increase or new public services Goal Assistance for Public Services including crime and safety, programs for youth and Description seniors, community, non-profit capacity building, etc. 21 Goal Name Fair Housing Planning & Services Goal Elimination of discrimination in the provision of housing and housing-related Description services and elimination of segregation by affirmatively promoting inclusive communities and increasing supply of genuinely open housing. 22 Goal Name Improvements to public infrastructure for LMI Goal Assisting LMI households in financial hardship to improve water supply lines and Description other public infrastructure benefitting low to moderate-income persons
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23 Goal Name HOME CHDO Set-aside Goal The City will use HOME entitlement and carryover funds for the 15% set aside for Description community housing development corporations (CHDOs) and operating assistance to build new or rehabilitate single or multi-family housing for low to moderate- income households 24 Goal Name Improved Neighborhoods by Comprehensive Planning Goal Planning and administrative activities related to the processing of applications Description and community studies including the Toledo's 2020 Comprehensive Plan to lead neighborhood improvements 25 Goal Name Planning and Administration - CDBG Goal The general operations as it relates to the administration and reporting Description requirements, administration and staff monitoring of programs, neighborhoods revitalization and fiscal oversight. 26 Goal Name Housing Rehabilitation Administration - CDBG Goal The administration of staff cost related to the housing rehabilitation and Description development programs operated by the Department of Neighborhoods Housing Division. 27 Goal Name HOME Administration Goal The administration and staff cost related to the operation of housing Description rehabilitation and development programs funded by the HOME Program. 28 Goal Name Targeted Neighborhood Home Repairs Goal Use carryover CDBG funding in FY 2020-2021 to implement a targeted housing Description preservation program in the neighborhoods of East Toledo, Junction/Englewood, and Old South End.
29 Goal Name Targeted Neighborhood Slum and Blight Reduction Goal Use carryover CDBG funding in FY 2020-2021 to implement a targeted Description commercial demolition and greening program in the neighborhoods of East Toledo, Junction/Englewood, and Old South End to improve neighborhood conditions for residents. 30 Goal Name Establish and Maintain Community Gardens Goal Use CDBG funds to establish and maintain community and rain gardens as well as Description promote urban agriculture in underutilized and vacant lots.
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31 Goal Name Supplement Lead Hazard Grants for At Risk Families Goal To provide lead remediation assistance to eligible homeowners and Description landlords. Priority will be given to homes in at-risk census tracts or with at-risk children and where lead remediation costs exceed the $16,000 HUD Lead Grant limits. Estimate the number of extremely low-income, low-income, and moderate-income families to whom the jurisdiction will provide affordable housing as defined by HOME 91.315(b)(2)
As defined by HOME, the estimated number of extremely low income, low income, and moderate-income families to be provided affordable housing included tenant based rental assistance is 142 households for FY 2020-2021 and 606 for the five years of the Consolidated Plan. Affordable housing will be provided through new construction, rehabilitation of owner occupied or rental units and down payment assistance. CDBG and ESG are used to provide housing as well.
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SP-50 Public Housing Accessibility and Involvement – 91.215(c) Need to Increase the Number of Accessible Units (if Required by a Section 504 Voluntary Compliance Agreement)
Not applicable as no required Section 504 Voluntary Agreement
Activities to Increase Resident Involvements
The City of Toledo works in collaboration with LMHA to encourage public housing residents to become actively involved in resident management and increase participation in homeownership through the following strategies:
• Collaboration with the Housing Choice Voucher Program on developing homeownership strategies for the Family Self-Sufficiency (FSS) Program population. • Mobilizing the Program Coordinating Council (PCC) community partners towards streamlined and simplified access for residents in the FSS program. • Continuation of LMHA’s partnership with Northwest Ohio Housing Development Agency (NOHDA) to provide onsite Homeownership services to LMHA participants and the community-at-large. • Assessing and refining marketing strategies for FSS participants to highlight homeownership opportunities. • Continued training and development of the Central Resident Advisory Board to solidify structure and objectives. • Assisting the Central Resident Advisory Board with development of techniques for the improved collection of input from residents. • Various other activities offered by LMHA focused on improving the lives and living conditions for public housing residents, such as Light the Night and the Fatherhood Initiative. • Resident Councils at all multi-family sites • Participation in the Resident Opportunity Program, • Section 3 Program job training, employment, and contract opportunities • Participation in the FSS Program, enabling families to increase their income and reduce their dependency on public assistance. • Resident Computer labs at select LMHA properties
Is the public housing agency designated as troubled under 24 CFR part 902?
No
Plan to remove the ‘troubled’ designation
Not applicable
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SP-55 Barriers to affordable housing – 91.215(h) Barriers to Affordable Housing
The City does not impose any public policies that would present barriers to affordable housing, such as rent controls or impact fees. The City instead strives to ensure inclusionary zoning through policies such as allowing multifamily housing in select residential districts (as well as in commercial and mixed-use districts) and the use of flexible zoning standards for existing undersized lots to facilitate infill. While most land in the City is already developed, zoning policies are considerate of the continued need for inclusionary practices to provide opportunities for the development of affordable housing development.
While hurdles to affordable housing exist, many of these are outside of City control. E.g., higher land, and rehabilitation costs in underdeveloped areas of the city can significantly increase development costs and increase rehabilitation costs to bring units up to code. Additionally, conditions such as population outflow to surrounding suburbs, and poor property maintenance can result in loss of viable housing stock through vacancy and dilapidation. These conditions often disproportionately restrict housing opportunities for LMI individuals and impose higher housing costs, reducing the range of housing choices in many neighborhoods.
Suitable infrastructure is widely available in the city, but continued code enforcement efforts are needed to maintain the current affordable housing stock in usable condition and stabilize existing neighborhoods. While these efforts are needed throughout the City, Toledo limits the use of CDBG funding for code enforcement activities only to eligible low- and moderate-income areas that are deteriorated or deteriorating.
The Planning and Zoning Code also regulates intensity and density, which may influence affordability depending on the area and the level of participation of stakeholders in the planning process. For each of the respective zoning districts, overlay zones, and their respective uses; the maximum number of dwelling units, minimum setbacks, floor area ratios, and individual parcel characteristics determine the permissible density of development and may impact the availability of affordable housing options.
The State of Ohio’s homestead tax exemption has a significant effect on the affordability of housing for qualifying homeowners. From 2014, income requirements apply to new recipients, making the exemption more restrictive and unavailable to all senior citizens. New recipients are eligible only if their income is equal to or less than the amount prescribed by State law, thereby increasing annual property taxes an average of $500 per year.
To address the growing need for access to affordable housing for all, the City of Toledo recently conducted its 2019-2020 Analysis of Impediments to Fair Housing Choice (AI). The AI analyzed the previous 2015 impediments and conducted community meetings to receive feedback and input on factors that prevent people from accessing safe, affordable, and stable housing in neighborhoods of opportunity. Meetings included residents and representatives of nonprofits, governments, and the housing industry. The results of the AI are included in the Fair Housing Action Plan with specific recommendations for each issue.
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Strategy to Remove or Ameliorate the Barriers to Affordable Housing
Recognizing that barriers to fair housing can be synonymous with barriers to affordable housing, in partnership with The Fair Housing Center (TFHC), the City completed an Analysis of Impediments (AI) and developed action steps for the removal of fair housing obstacles within the Fair Housing Action Plan. The City and TFHC have been working on the implementation of the action steps outlined in the plan in collaboration with our many community partners. To address the need to remove barriers to affordable housing the following action steps have been identified:
Impediment – Zoning and Occupancy Standards
• Ensure that codes, policies, and practices do not impede those in protected classes from obtaining or remaining in the housing of their choice. Action Steps: The City should address the language in §1745.07(b)(1)(H) by deleting the phrase “or the written rental agreement.” • Ensure that appropriate zoning and permitting decisions are made regarding housing both established and new, for persons with disabilities. Action Steps: Toledo-Lucas County Plan Commission and Building Inspection Division will provide the TFHC and Ability Center with reports of all permit applications filed concerning housing for persons with disabilities. • Ensure that appropriate zoning and permitting decisions are made regarding housing both established and new, for persons with disabilities. Action Steps: Monitor relevant permit applications and resulting decisions for compliance with fair housing law. • Ensure appropriate zoning and permitting decisions are made regarding housing, for persons with disabilities. Action Steps: The City’s Building Inspection Division will send a quarterly list to TFHC and Ability Center of the number of new accessible units developed.
Impediment – Other Local Public Policies
• Ensure that public employees are aware of fair housing and disability law. Action Steps: TFHC and Ability Center will conduct trainings of public employees regarding fair housing and disability rights and responsibilities.
Impediment - Reentry and Housing
• Promote access of the reentry population to assisted housing opportunities. Action Steps: Review current policies and discuss the feasibility of floating set-aside units/vouchers for people reentering society as well as the development of distinct criteria for different offenses. Implement the changes proposed by Reentry Coalition and TFHC to Admissions and Continued Occupancy Policy (ACOP). Advocate for similar changes in other assisted housing policies.
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SP-60 Homelessness Strategy – 91.215(d) Reaching out to homeless persons (especially unsheltered persons) and assessing their individual needs
The Toledo/Lucas County region, through the Toledo Lucas County Homelessness Board (TLCHB), continues to implement several goals and actions to assist in the overall goal of reducing and ending homelessness. Coordinated Entry (CE) data is used to measure the progress towards these goals.
By utilizing specialized case management through the Neighborhood Properties, Inc. (NPI) Projects for Assistance in Transition from Homelessness (PATH) program, the CoC continues to foster outreach relationships among the unsheltered homeless in our community. Through NPI’s PATH program, community outreach is being performed to reach individuals who are chronically homeless and/or living with untreated mental health or substance abuse issues. NPI’s Community Outreach Specialists are trained to identify and engage homeless individuals in the community and connect them to services as well as possible housing options. The PATH program will continue to assist those clients in need of intensive client-based specialized case management. By successfully connecting clients to the services needed, the community will experience overall cost-savings to the criminal justice system and medical systems, as well as reduce the level of homelessness.
Addressing the emergency and transitional housing needs of homeless persons
Emergency Solutions Grant funds will continue to support local homeless service providers who provide eligible services under current federal regulations. Activities may include emergency shelter operations, coordinated assessment through United Way 2-1-1, direct financial assistance for permanent housing, and administration of the local Homeless Management Information System.
Within our emergency shelters and transitional housing programs, Toledo/Lucas County CoC is taking a system-wide approach to streamline the process of accessing available housing programs to reduce the amount of time a person experiences homelessness. This approach analyzes similarities and best practices in the community to better serve those experiencing homelessness. Reducing the time spent in both emergency shelters and transitional housing programs decreases the overall costs to the homelessness services system and works to stabilize individuals or households more quickly.
These cost savings can then be passed on to more specialized financial needs, such as the removal of housing barriers through direct financial assistance. The community is committed to expanding collaborative efforts at both the agency and system-wide level to reduce gaps in homeless services and reduce homelessness levels overall.
Helping homeless persons (especially chronically homeless individuals and families, families with children, veterans and their families, and unaccompanied youth) make the transition to permanent housing and independent living, including shortening the period of time that
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individuals and families experience homelessness, facilitating access for homeless individuals and families to affordable housing units, and preventing individuals and families who were recently homeless from becoming homeless again.
The City of Toledo and Toledo Lucas County Homelessness Board will seek to expand the availability of rapid rehousing units for singles and permanent supportive housing units for families. This will shorten the time that individuals and families experience homelessness as well as reduce the number of chronically homeless in our community. Homeless prevention activities begin when individuals call 2-1-1 and state that they are in a housing crisis.
Systemic changes are being implemented using a coordinated assessment tool for prioritization and placement of clients in appropriate housing programs. This evidence-based tool is known as the Service Prioritization Decision Assistance Tool (SPDAT). The tool provides our community a more comprehensive and thorough method by which to assist our clients for both shelter placement (use VI SPDAT) and permanent housing referrals/placements (use SPDAT or F-SPDAT). Coordinated Assessment will work with clients to evaluate the safety and appropriateness of their housing options.
Diversion activities by will be critical If homelessness is unavoidable, and Coordinated Assessment will connect clients to emergency shelter services. Once at shelter, residents will be assessed by trained case managers using the Service Prioritization Decision Assistance Tool (SPDAT). This evidence-informed tool is already integrated with the local HMIS system and is continuously reviewed and revised with input from users. This allows homeless service providers to accurately assess individual needs and help them access the programs and services that will assist them in ending their homelessness.
Participants in the re-housing programs are provided access to professional development, financial planning, mental health providers, substance abuse treatment and therapies, educational services, and family support services. Through these programs, families and individuals have access to the tools necessary for long term success, thereby decreasing the likelihood of future episodes of homelessness.
Help low-income individuals and families avoid becoming homeless, especially extremely low- income individuals and families who are likely to become homeless after being discharged from a publicly funded institution or system of care, or who are receiving assistance from public and private agencies that address housing, health, social services, employment, education or youth needs
The Toledo Lucas County CoC utilizes various partner agencies in preventing homelessness for our community members. When an individual contacts any homeless service provider, they are referred to the local United Way 2-1-1 system. The 2-1-1 staff are trained to identify housing or other urgent needs and refer the call to the appropriate department within the United Way system. For those that identify housing as a need, the caller is referred to the coordinated access (CA) staff for further work on prevention and diversion. Coordinated Entry continues to assist individuals and families from becoming homeless
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through its prevention and diversion activities. The Coordinated Entry team works to identify and target possible mainstream resources available to keep clients housed. If the staff are unable to find alternatives to entering a state of homelessness, they will refer the client to the most appropriate emergency housing available. The CoC will continue to analyze and quantify data collected by the 2-1-1 system to assess the effectiveness of prevention and diversion efforts.
For individuals being “discharged” from an institution, the CoC works to ensure the institution has plans in effect that require effective pre-discharge planning surrounding housing. However, some regulatory issues that may cause the institution to discharge and individual into a state of homelessness. In this rare instance, the individual is connected to the United Way through 2-1-1 for engagement in the rapid re- housing process.
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SP-65 Lead based paint Hazards – 91.215(i) Actions to address LBP hazards and increase access to housing without LBP hazards
The City is committed to providing lead-safe, decent, safe, and sanitary housing for eligible families. The City uses a coordinated network of health officials, community development corporations, the public housing authority, social service agencies, and other city departments to reduce lead-based paint hazards. This effort targets central city neighborhoods where low-income families occupy approximately two of every three residential units and the concentration of pre-1978 structures containing lead paint is estimated to exceed 80 percent.
The City DNBD received a $2.9 million grant from the HUD Office of Lead Hazard Control and Healthy Homes (OLHCHH) to develop and run a Lead-Based Paint Hazard Control and Healthy Homes program to provide financial assistance to property owners to help control lead paint hazards in both owner-occupied and rental residential units within the City. The three-year period of performance for the grant began 01/02/2018 and runs through 01/01/2021.
Over the three-year grant period, the DNBD has proposed to complete 240 Lead Inspection Risk Assessments and make 160 residential units in the City of Toledo lead safe. Lead-based paint hazard control methods include the utilization of low-level interventions, interim controls, and partial/component abatement. Abatement is the DNBD’s preferred method in addressing paint surfaces. The program does not perform full abatement but rather the replacement of specific components and systems. Units are made lead-safe but not lead-free.
How are the actions listed above related to the extent of lead poisoning and hazards?
The City of Toledo, Department of Neighborhoods (DON), administers the owner-occupied and rental rehabilitation program as well as a CHDO program. These programs are required to incorporate lead assessments on any unit evaluated by the Department of Neighborhoods’ programs. Properties where lead hazards are discovered are abated using State licensed lead abatement contractors, in accordance with federal regulations. State Lead Licensed personnel conduct the assessment. In addition, the DNBD continues to include, as part of its HOME-funded homeowner activities, lead rehabilitation to LMI households. The Department of Neighborhoods addresses units that may not be otherwise eligible for Lead Hazard Reduction Grant programs.
According to The Ohio Department of Health Website, The City of Toledo is one of the top three cities in the State of Ohio for childhood lead poisoning. Although the results over the years have shown a decline in elevated levels through the efforts made possible through funding from the HUD Lead Hazard Control grants, the results are still bleak. Currently, there are over 20,337 children under the age of 6 years in the City of Toledo. In the past 17 years (1997-2013), 90,168 children under 72 months of age have undergone lead screenings. A total of 6,167 (6.8%) children from 1997-2013 had results with an elevated blood level. (2014, October) http://www.odh.ohio.gov/odhPrograms/cfhs/lead_ch/lead_data.aspx
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The City of Toledo successfully planned, designed, and implemented four previous Lead Hazard Reduction Programs, successfully managing grants totaling $9.2 million, resulting in over 1,200 units of lead-safe housing units since 1994.
How are the actions listed above integrated into housing policies and procedures?
All residential homes that receive down-payment assistance through the HOME program are also assessed visually for lead hazards. Homes where lead hazards exist must be made lead-safe prior to finalization of the sale. Efforts addressing lead-based paint hazards are essential, especially when targeting rehabilitation projects in the central city neighborhoods.
The City of Toledo DNBD has a contract with the Lucas County Regional Health District in order to administer and manage their Lead-Based Paint Hazard Control Program (LBPHCP). Acting as a sub- grantee, the DNBD is providing interim control lead abatement and clearance activities to eligible residents.
Funding for the LBPHCP was received from HUD’s Office of Healthy Homes and Lead Hazard Control, which provides financial assistance to help reduce lead paint hazards in residential units located in the City of Toledo. Assistance is provided to qualified homeowners and landlords in the form of a grant, with the highest priority given to units occupied by children under the age of six or at least one pregnant female.
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SP-70 Anti-Poverty Strategy – 91.215(j) Jurisdiction Goals, Programs and Policies for reducing the number of Poverty-Level Families
The goals of the Consolidated and Action Plans are aimed at reducing the number of poverty-level individuals and families in Toledo and many organizations work together to address the issue of poverty. The goal in these efforts is a community of individuals and families who achieve their human potential through education, income stability, and healthy lives.
The DNBD engages in housing development and improvement programs that assist in reducing the number of families living at the poverty level. Housing programs are designed to have a positive effect on individuals and families and the larger community in the following areas:
• stabilization of families (providing or maintaining adequate affordable housing). • health improvement (elimination of lead and other health hazards such as electrical, ventilation and other issues resulting from an aging housing stock and limited maintenance); and, • homeownership increase.
Other non-housing programs related to economic development assist in the creation or retention of businesses and jobs in the construction, finance, entertainment, and other industries that indirectly benefit from increased business. Many of these programs contribute to community growth and make Toledo more attractive to business and individual investments; thereby, increasing opportunities for improved incomes for Toledo residents.
Through the Citizen Participation Process of the Consolidated Plan, CDBG and ESG recipients identified the following current programs that assist in reducing the number of Toledo poverty-level families:
• Community gardens • Science, Technology, Engineering and Math Education (STEM) Study Island Tutoring program • Sports and parenting programs • Construction Careers Academy - Teens learn construction trades and skills (through schools) • Programs at different schools for K-6 graders
These programs represent some of the many programs in Toledo that develop life-skills and contribute to the reduction of poverty-level families. The City is a partner with many of these programs and targets resources that, when leveraged, make a significant impact in the reduction of poverty.
Additionally, organizations like ProMedica, Mercy Hospital, and community development corporations’ partner with organizations to geographically target specific low-income and depressed areas of the City. Wherever possible, the DNBD participates in those partnerships.
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How are the Jurisdiction poverty reducing goals, programs, and policies coordinated with this affordable housing plan?
The City continues to promote better collaboration in all efforts and partners with many institutional structures in carrying out activities designed to decrease poverty and improve the quality of life within the city. Each year, through the cooperation of major local entities, efforts are aimed at enhancing the coordination between service and housing agencies and private and public sector agencies, in order to reduce gaps in service. They include, but are not limited to the following:
• Toledo Lucas County Homelessness Board • Toledo-Lucas County Port Authority • Lucas County Regional Health District • United Way of Greater Toledo • Lucas Metropolitan Housing Authority • Mental Health and Recovery Services Board of Lucas County • Lucas County Children Services Board • Lucas County Land Reutilization Program • Toledo Public Schools • Washington Local Schools • Lucas County Government
Likewise, a partnership with the TLCHB provides direct financial assistance to individuals who are homeless or at imminent risk of homelessness. The partnership also includes the implementation of the Housing Collaborative Network, modeled after CASE-HPRP, and provides re-housing and prevention assistance to those experiencing homelessness. The capacity of this project is broadened by leveraging funds from the State and local foundations.
The Toledo Lucas County Public Library located in Downtown Toledo closed its location in September 2018 and is estimated to reopen early September 2019. The City, TLCHB, County Officials and library staff met create a plan and an provide an alternative place for citizens to utilize while the main library is closed for renovations. Cherry Street Mission's Life Revitalization Center has been utilized during renovations, with a stocked library, access to computers, internet services and a warm space for citizens to go.
Many relationships exist between the business community, faith-based organizations, public service entities, housing providers, foundations, and other community organizations that advocate on behalf of those in need. Increased communication and involvement with all community stakeholders will continue and result in more formalized relationships that nurture and promote the City’s annual plan and goals.
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SP-80 Monitoring – 91.230 Describe the standards and procedures that the jurisdiction will use to monitor activities carried out in furtherance of the plan and will use to ensure long-term compliance with requirements of the programs involved, including minority business outreach and the comprehensive planning requirements
The City of Toledo uses a comprehensive approach to monitoring progress and performance of HUD’s CPD formula grant programs including CDBG, HOME, and ESG. Monitoring ensures long-term compliance with applicable regulations and requirements. The Department of Neighborhoods (DON) manages, and monitors the federal grants using a system of continuous communication and evaluation which begins with written agreements with measurable performance standards and consistent with HUD requirements and ends with meeting national objective and affordability compliance.
The Department develops a “risk-based” monitoring plan that combines desktop reviews with onsite visits by field staff to assess compliance of all risk levels. The risk assessment will determine the level and type of monitoring to be conducted for each subrecipient. Annually, the Department makes site visits to monitor its partners and sub grantees’ (other City Departments, subrecipients, and community housing development organizations) programmatic and financial records. The objectives include improving compliance, subrecipient and grantee capacity through training and technical assistance.
The HOME Program monitoring goals are to ensure compliance with a written agreement between the City and the HOME awardee (developer, sub-recipient, or CHDO). Key HOME provisions include type and number of units, project schedule and budget, affordability period and enforcement, occupancy, and income rules, rent and purchase price limits, unit selection, physical standards, etc.
DON staff will conduct construction progress and annual reviews of HOME funded projects during the affordability period and require quarterly written progress reports and meetings, barriers, and program changes. Physical inspections for rental projects are conducted in one, two, or three-year intervals depending upon the number of HOME units assisted. An annual desk audit is done to ensure the current HUD Income Limits, rent and occupancy standards, lease and tenant rules, and other requirements are met. Annual occupancy certifications are also part of monitoring. For Tenant Based Rental Assistance (TBRA), recertification is done every three months and leases one year or more require annual property inspections. HUD Production Reports (monthly) and SNAPSHOTS (quarterly) will be shared.
The primary objectives of ESG monitoring is to ensure compliance with timely expenditure of funds, eligibility of beneficiaries, program progress, financial management and overall management. In addition to on-site monitoring, the Department will utilize information from HUD’s Sage HMIS Reporting Repository and Point in Time (PIT) counts as assessment tools.
Results of the monitoring will be communicated in writing to the sub-recipient/agency and will include any non-compliance issues and corrective recommendations for achieving compliance. If a problem
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persists, progressive sanctions will be imposed appropriate to the issue. When necessary, sub-recipients may be required to attend relevant HUD or DON training as part of the corrective action process. Each partner and sub grantee will assist the DON with collecting data to prepare the annual CAPER, which reports s on the progress and accomplishments of each funded activity.
The DON also monitors minority outreach in its procurement of construction contractors for rehabilitation or new construction of housing using the City’s Office of Diversity and Inclusion’s list of minority and women vendors. Forums and informational meetings are conducted to retain qualified contractors. Bids of up to $39,999 are sent to three selected contractors including MBE/WBEs on the DON’s Bid Rotation Schedule. Bids for $40,000 and above are advertised in the local newspaper and online with a 21% M/WBE goal.
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Expected Resources
AP-15 Expected Resources – 91.220(c) (1,2) Introduction
The Consolidated Plan’s anticipated resources available for the five-year period is based on an estimate of existing entitlement funds and anticipated program income if these will be an ongoing and steady source such as in the case of regular amortized loan repayments. For its FY 2020-2021 Annual Action Plan, the City anticipated receiving entitlement funding in the amount of $7,570,178 in CDBG, $2,228,962 in HOME and $652,282 in ESG. Using the FY 2020-2021 entitlement allocations, the City estimates receiving $37,850,890 in CDBG, $11,144,810 in HOME, and $3,261,410 in ESG funds for the FY 2020-2024 Consolidated Plan period. As of June 30, 2020, a total of carryover funds in the amount of $6,428,666 will be available for FY 2020-2021 and will be reallocated to that year’s activities. Any other unobligated funding not included in the carryover will be reallocated through a substantial amendment of that year's Annual Action Plan when decisions have been made about the allocation of those resources.
• CDBG: $2,758,433 • HOME: $3,670,233
CDBG program income of $233,464 is projected for FY 2020-2021. The City also received NSP program income since 2009 and converted some of it to CDBG to carry out eligible activities. A balance of $184,462 in NSP funds is available and will be used to carry out NSP eligible activities in support of the Consolidated Plan. Additional NSP program income is likely during the Consolidated Plan period, but estimate is not available.
Each year of the Consolidated Plan, HUD will inform the City of its allocation of entitlement funds based on congressional appropriations. The estimates of carryforward funds going into the first year of the Consolidated Plan was subject to reconciliation of accounts and processing of payments to arrive at a final accurate amount.
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Anticipated Resources
Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ CDBG public - Acquisition Per HUD, the Community federal Admin and Development Block Grant (CDBG) Planning program is a flexible program Economic that provides communities with Development resources to address a wide Housing range of unique community Public development needs. The CDBG Improvements program works to ensure decent Public Services affordable housing, to provide services to the most vulnerable in our communities, and to create jobs through the expansion and retention of businesses. The annual allocations are typically fully expended every program 7,570,178 233,464 2,758,433 10,562,075 30,280,712 year.
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Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ HOME public - Acquisition Per HUD, the HOME Investment federal Homebuyer Partnerships Program (HOME) assistance provides formula grants to States Homeowner and localities that communities rehab use to fund a wide range of Multifamily activities including homeowner rental new rehabilitation, home buyer construction activities, rental housing and Multifamily tenant-based rental assistance, rental rehab with the intent to provide safe, New adequate and decent affordable construction for housing to lower-income ownership households and expand the TBRA capacity of non-profit housing 2,228,962 0 3,670,233 5,899,195 8,915,848 providers.
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Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ ESG public - Conversion and In accordance with the federal rehab for McKinney-Vento Homeless transitional Assistance Act, as amended by housing the Homeless Emergency Financial Assistance and Rapid Transition Assistance to Housing (HEARTH) Act, HUD Overnight distributes Emergency Solutions shelter Grant (ESG) funds to Rapid re- communities for street outreach, housing (rental emergency shelter, homelessness assistance) prevention, rapid re-housing Rental assistance, and homeless Assistance management information Services systems. The annual allocations Transitional are typically fully expended every housing 652,282 0 0 652,282 2,609,128 program year.
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Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ Competitive public - Other Toledo Public Schools receives McKinney- federal McKinney-Vento Homeless Vento Assistance Funds through the Homeless Ohio Department of Education Assistance Act for school transportation, school supplies, school uniforms, tutoring and programming needs. The amount of funds to be received depends upon the federal funding allocated to homeless youth and upon the need in the district. Toledo's allocation in FY 19 was $400,000 and is being used as estimate for Year 1. The City of Toledo does not receive or administer these 400,000 0 0 400,000 1,600,000 funds.
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Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ Continuum of public - Admin and The Continuum of Care (CoC) Care federal Planning Program is designed to promote Rapid re- communitywide commitment to housing (rental the goal of ending homelessness; assistance) provide funding for efforts by Rental nonprofit providers, and State Assistance and local governments to quickly TBRA re-house homeless individuals Transitional and families while minimizing the housing trauma and dislocation caused to homeless individuals, families, and communities by homelessness; promote access to and effect utilization of mainstream programs by homeless individuals and families; and optimize self- sufficiency among individuals and families experiencing homelessness. Estimate based on current funding and could change. The City of Toledo does not receive or administer these 3,955,340 0 0 3,955,340 15,821,360 funds.
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Program Source Uses of Funds Expected Amount Available Year 1 Expected Narrative Description of Annual Program Prior Year Total: Amount Funds Allocation: Income: Resources: $ Available $ $ $ Remainder of ConPlan $ Other public - Admin and The Land Reutilization Program local Planning (Land Bank) is a community Other improvement corporation designed to strengthen neighborhoods in Lucas County by returning vacant and abandoned properties to productive use. The estimate is based on the organization's current budget. The City of Toledo does not receive or 4,750,000 0 0 4,750,000 19,000,000 administer these funds. Table 56 - Expected Resources – Priority Table
Explain how federal funds will leverage those additional resources (private, state, and local funds), including a description of how matching requirements will be satisfied
CDBG funding is the primary source for many of the goals outlined in the Consolidated Plan. HOME and ESG funding also contribute significantly to achieving and homeless prevention goals, respectively. By combining these federal funds from HUD with other state and local resources, we are much better positioned to address the many needs facing the community. These combined resources, as well as efficiencies created through strategic partnerships with other organizations, gives the city an increased capacity to address the needs identified in this Consolidated Plan. In combining HUD funds with these other resources, we can expand the availability of the many benefits these programs provide. These combined resources are used in efforts to increase homeownership rates for LMI residents, address the crisis of homelessness, create a more suitable living environment, provide decent, safe, and sanitary housing, address blight and decay, and many other beneficial activities.
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HOME and ESG finds both have mandated matching requirements. While CDBG funds do not require a match, as a policy of the DNBD, all third-party partners that receive CDBG funds must provide a 1:1 match for each dollar received. This is the same 1:1 match that is mandated by HUD for ESG funds. Applicants for CDBG and ESG funding must identify and document the match in their funding applications. The matching requirement for HOME funds is set by HUD based on criteria related to severe fiscal distress. As stated in CFR 92.218, contributions counted as match must total not less than 25% of funds drawn from HOME. The City’s 2019 matching requirement continues at 0% and it is expected to remain the same for 2020.
Other CDBG Resource: Section 108 - During the Consolidated Plan period through a substantial amendment, the COT will explore utilization of the Section 108 Loan Guarantee component of the CDBG Program. This program provides financing for up to 5 times of the participating jurisdictions annual CDBG allocation for eligible projects. As of February 2020, the City of Toledo’s Section 108 Available Borrowing Authority was $37.8 million. Potential applications will seek financing for housing rehabilitation, economic development, public facilities, and mixed-use projects in targeted neighborhoods.
If appropriate, describe publicly owned land or property located within the jurisdiction that may be used to address the needs identified in the plan
To carry out housing, economic and community development activities, CDBG and HOME funded programs may obtain publicly owned land or property through the Lucas County Land Reutilization Corporation (Land Bank). The Land Bank acquires vacant and abandoned foreclosed properties and converts them to productive use. The Land Bank recently met their goal of demolishing or selling and renovating 1500 properties and has established a new goal of 2000 additional demolitions in 1500 days. The Land Bank assists eligible residents in purchasing and renovating properties, and partners with community members in utilizing vacant lots from demolitions for re-use by residents, community groups, and neighborhood leaders. Vacant lots are sometimes offered to neighboring homeowners to increase lot sizes.
In meeting HUD’s CDBG objective of benefit to low- and moderate-income persons and Elimination of Slum and Blight, the Land Bank meets the following goals and objectives established in this plan:
• Demolition of Blighted Properties • Decrease Rodents in the City of Toledo • Establish and Maintain Community Gardens • Contaminated Sites Remediation for Re-development • Down Payment/Closing Costs Assistance (through acquisition and rehabilitation of properties) • New construction (only by Community-Based Development Organizations CBDO’s)
Additionally, CDBG funds will be used to promote economic development opportunities by assisting for profit businesses with the attraction or retention of businesses and jobs, façade improvements, and tax
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and real estate incentives.
Discussion
The City has been engaged in funding and participating in multiple community planning efforts with a variety of stakeholders. These sessions have led to the development of several community plans with clear vision, goals, objectives, and proposed activities along with possible sources of financing. The City has been investing in these neighborhoods and saw an opportunity to leverage its CDBG, HOME, and ESG funds with other City capital expenditures and private sector financing. The Consolidated Plan process was used to encourage further collaboration and joint investment of dollars to have the most significant impact. One of the proposed strategies is to use the CDBG Neighborhood Revitalization Strategy Areas to focus federal dollars and align them with other investments. The City is also reviewing its service delivery system to ensure it is both efficient and effective. The use of external organizations including community- based non-profits to deliver some services instead of internal departments was discussed. Organizational capacity of subrecipients, greater collaboration, and helping them to access other sources of funding was also highlighted.
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Annual Goals and Objectives
AP-20 Annual Goals and Objectives
Goals Summary Information
Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 1 HOME: Home Buyer 2020 2024 Affordable Citywide Improving HOME: Homeowner Housing Development Housing Housing $846,670 Added: 5 Household Affordability Housing Unit 2 Home Buyer Down 2020 2024 Affordable Citywide Improving HOME: Direct Financial Assistance Payment/Closing Housing Housing $600,000 to Homebuyers: 30 Costs Assistance Affordability Households Assisted 3 Small rental housing 2020 2024 Affordable Citywide Improving HOME: Rental units rehabilitated: financing and Housing Housing $1,100,000 12 Household Housing Unit education Affordability 4 Large rental 2020 2024 Affordable Citywide Improving CDBG: Rental units rehabilitated: 3 housing/low-income Housing Housing $75,000 Household Housing Unit housing tax credit Affordability 5 Local affordable 2020 2024 Affordable Citywide Improving CDBG: Other: 8 Other housing capacity - Housing Housing $100,000 public services Affordability Provide and expand Public (Social) Services - 15%
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 6 Code Enforcement 2020 2024 Non-Housing Citywide Improving CDBG: Housing Code & Nuisance Community Low to Moderate Neighborhood $1,400,264 Enforcement/Foreclosed Abatement incl. Development Income & Slum and Conditions Property Care: 11000 Rental Blight Household Housing Unit 7 Improvements to 2020 2024 Non-Housing Citywide Improving CDBG: Public Facility or parks and Community Low to Moderate Neighborhood $500,000 Infrastructure Activities community facilities Development Income & Slum and Conditions other than Low/Moderate Blight Income Housing Benefit: 11000 Persons Assisted 8 Slum and blight 2020 2024 Non-Housing Citywide Improving CDBG: Housing Code reduction Community Low to Moderate Neighborhood $113,317 Enforcement/Foreclosed Development Income & Slum and Conditions Land Bank: Property Care: 1150 Blight $4,750,000 Household Housing Unit 9 Home Repairs for 2020 2024 Affordable Citywide Increase Home CDBG: Homeowner Housing Seniors and the Housing Repairs and $565,448 Rehabilitated: 128 Disabled Non- Housing Household Housing Unit Homeless Preservation Special Needs 10 Housing Repairs and 2020 2024 Affordable Citywide Increase Home CDBG: Homeowner Housing Rehabilitation Housing Repairs and $350,000 Rehabilitated: 282 Housing HOME: Household Housing Unit Preservation $3,651,452 11 Job 2020 2024 Non-Housing Citywide Econ Dev: Job CDBG: Public service activities Creation/Retention Community Creation/Access $500,000 other than Low/Moderate incl. returning Development and Business Income Housing Benefit: 50 citizens Asst. Persons Assisted
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 13 Transportation 2020 2024 Non-Housing Citywide Econ Dev: Job CDBG: Public service activities support Community Creation/Access $11,000 other than Low/Moderate Development and Business Income Housing Benefit: Asst. 210 Persons Assisted Provide and expand Public (Social) Services - 15% 14 Coordinated Access 2020 2024 Homeless Citywide Adequate CDBG: Other: 1 Other for Homelessness Non-Housing Housing & $32,500 Community Services for ESG: Development Homeless/At Risk $652,282 Competitive McKinney- Vento Homeless Assistance Act: $400,000 Continuum of Care: $3,955,340 15 Rapid Re-Housing 2020 2024 Affordable Citywide Adequate CDBG: Tenant-based rental and Direct Financial Housing Housing & $49,500 assistance / Rapid Assistance Homeless Services for HOME: Rehousing: 140 Households Homeless/At Risk $150,000 Assisted
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 16 Permanent 2020 2024 Affordable Citywide Adequate CDBG: Housing for Homeless Supportive Housing Housing Housing & $65,855 added: 56 Household Homeless Services for Housing Unit Homeless/At Risk 17 Increase number of 2020 2024 Affordable Citywide Adequate CDBG: Homeless Person Overnight emergency shelters Housing Housing & $60,500 Shelter: 174 Persons Homeless Services for Assisted Homeless/At Risk 18 Increase in 2020 2024 Affordable Citywide Adequate CDBG: Overnight/Emergency transitional housing Housing Housing & $90,000 Shelter/Transitional Homeless Services for Housing Beds added: 22 Homeless/At Risk Beds 20 Increase or new 2020 2024 Non-Housing Citywide Provide and CDBG: Public service activities public services Community expand Public $789,976 other than Low/Moderate Development (Social) Services - Income Housing Benefit: 15% 33553 Persons Assisted 21 Fair Housing 2020 2024 Non-Housing Citywide Fair Housing CDBG: Public service activities Planning & Services Community $150,000 other than Low/Moderate Development Income Housing Benefit: 3507 Persons Assisted 22 Improvements to 2020 2024 Non-Housing Citywide Improving CDBG: Public Facility or public infrastructure Community Low to Moderate Neighborhood $50,000 Infrastructure Activities for LMI Development Income & Slum and Conditions other than Low/Moderate Blight Improve Public Income Housing Benefit: 25 Infrastructure for Persons Assisted LMI Households
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 23 HOME CHDO Set- 2020 2024 Affordable Citywide Improving HOME: Homeowner Housing aside Housing Housing $535,996 Added: 5 Household Affordability Housing Unit Increase Home Repairs and Housing Preservation 24 Improved 2020 2024 Non-Housing Citywide Improving CDBG: Other: 1 Other Neighborhoods by Community Low to Moderate Neighborhood $87,025 Comprehensive Development Income & Slum and Conditions Planning Blight
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25 Planning and 2020 2024 Affordable Citywide Improving CDBG: Other: 1 Other Administration - Housing Housing $1,277,011 CDBG Public Affordability Housing Improving Homeless Neighborhood Non- Conditions Homeless Increase Home Special Needs Repairs and Non-Housing Housing Community Preservation Development Econ Dev: Job Creation/Access and Business Asst. Adequate Housing & Services for Homeless/At Risk Adequate Housing & Services for Other Special Need Provide and expand Public (Social) Services - 15% Fair Housing Improve Public
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year Infrastructure for LMI Households 26 Housing 2020 2024 Affordable Citywide Improving CDBG: Other: 1 Other Rehabilitation Housing Housing $1,030,007 Administration - Affordability CDBG Increase Home Repairs and Housing Preservation 27 HOME 2020 2024 Affordable Citywide Improving HOME: Other: 1 Other Administration Housing Housing $172,896 Public Affordability Housing Increase Home Homeless Repairs and Housing Preservation Adequate Housing & Services for Homeless/At Risk Adequate Housing & Services for Other Special Need
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Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 28 Targeted 2020 2024 Affordable Junction/Englewood Improving CDBG: Homeowner Housing Neighborhood Housing Old South End Housing $600,000 Rehabilitated: 40 Household Home Repairs Garfield /Starr/ Affordability Housing Unit Raymer Increase Home Repairs and Housing Preservation 29 Targeted 2020 2024 Non-Housing Junction/Englewood Improving CDBG: Other: 1 Other Neighborhood Slum Community Old South End Neighborhood $900,000 and Blight Development Garfield /Starr/ Conditions Reduction Raymer 30 Establish and 2020 2024 Non-Housing Citywide Improving CDBG: Public service activities Maintain Community Low to Moderate Neighborhood $166,389 other than Low/Moderate Community Gardens Development Income & Slum and Conditions Income Housing Benefit: Blight Provide and 3176 Persons Assisted expand Public (Social) Services - 15% 31 Supplement Lead 2020 2024 Affordable Citywide Improving CDBG: Homeowner Housing Hazard Grants for At Housing Housing $500,000 Rehabilitated: 25 Household Risk Families Lead Affordability Housing Unit Remediation Increase Home Rehab Repairs and Housing Preservation Table 57 – Goals Summary
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Goal Descriptions
1 Goal Name HOME: Home Buyer Development Goal The City will use carryover for FY 2020-2021 HOME funding for new construction Description or acquisition rehab of single-family homes for homeownership. 2 Goal Name Home Buyer Down Payment/Closing Costs Assistance Goal The City will use HOME FY 2020-2021 ($450,000) and carryover ($150,000) Description for down payment and closing costs assistance for low- to moderate-income first- time homebuyers. 3 Goal Name Small rental housing financing and education Goal The City will use HOME carryover funds to assist owners of rental housing that Description serves low-to moderate-income household with repair costs and provide education for landlord and tenants 4 Goal Name Large rental housing/low-income housing tax credit Goal The City will provide carryover HOME funding to assist developers with the new Description construction and preservation of large multi-family rental housing projects for low- to moderate income tenants including low-income housing tax credit (LIHTC) funded projects. 5 Goal Name Local affordable housing capacity -public services Goal The City will use CDBG carryover funding in FY 2020-2021 for financial and Description technical assistance to build the capacity of local non-profit real estate developers of affordable housing. 6 Goal Name Code Enforcement & Nuisance Abatement incl. Rental Goal The City will administer CDBG funds for inspections, legal, and service delivery Description costs for enforcement of housing codes to reduce blighted properties and improve neighborhood conditions in low-to moderate-income and slum and blighted areas. 7 Goal Name Improvements to parks and community facilities Goal The City will provide CDBG FY2020-2021 ($341,567) and carryover CDBG Description ($158,433) funding for improvements to parks and recreational facilities in low- to moderate-income (LMI) areas or that benefit LMI residents
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8 Goal Name Slum and blight reduction Goal The City will provide CDBG funding to reduce blight by prosecuting property Description owners who fail to comply with Toledo Municipal Codes related to nuisance orders in low- to moderate-income areas to benefits of the residents. The City of Toledo will coordinate with the Toledo/Lucas County Land Reutilization Program (Land Bank) which is a community improvement corporation designed to strengthen neighborhoods in Lucas County by returning vacant and abandoned properties to productive use. These additional funds are not administered by the City but support slum and blight removal and improvement of the City's neighborhoods especially those that are a majority low-income. Outcomes will be generated by the Land Bank. 9 Goal Name Home Repairs for Seniors and the Disabled Goal The City will provide CDBG funding including $100,000 of carryover funding for Description home repairs and accessibility modifications to allow mainly seniors and people with disabilities to remain in their residences, including emergency repairs. 10 Goal Name Housing Repairs and Rehabilitation Goal The City will provide HOME and CDBG funds including carryover funds (NSP Description funding converted into CDBG-$350,000) and (HOME - $1,371,911) funding to provide housing assistance for rehabilitation of existing owner-occupied housing for low income households. 11 Goal Name Job Creation/Retention incl. returning citizens Goal The City will allocate CDBG funds to increase job opportunities through workforce Description development and assistance to small and medium size private businesses including jobs for citizens returning from incarceration. 13 Goal Name Transportation support Goal The City will allocate CDBG funds under public services to help businesses or Description individuals for transportation access to job opportunities 14 Goal Name Coordinated Access for Homelessness Goal The City will allocate CDBG and ESG funds to operate a centralized system for Description homeless assistance to determine needs and match individuals/families with the type of assistance needed. The City of Toledo will coordinate with other funding for homeless related assistance available through the McKinney-Vento Homelessness Assistance Act and the Toledo Lucas County Continuum of Care. These funds are not administered by the City but contribute to homelessness prevention and reduction. Outcomes will be generated by the administrators of the funds.
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15 Goal Name Rapid Re-Housing and Direct Financial Assistance Goal Provide rental financial assistance using FY 2020-2021 HOME ($50,000), CDBG Description ($49,500) and carryover HOME ($100,000) funding to prevent homelessness and assist the homeless in obtaining/retaining permanent housing 16 Goal Name Permanent Supportive Housing Goal Provide long-term community-based housing, which includes supportive services Description for homeless persons with disabilities. 17 Goal Name Increase number of emergency shelters Goal Provide temporary shelter for the homeless for a period of 90 days or less. Description Supportive services may or may not be provided in addition to shelter. 18 Goal Name Increase in transitional housing Goal Provide supportive housing services to facilitate the movement of homeless Description individuals and families to permanent housing, generally for up to 24 months. 20 Goal Name Increase or new public services Goal CDBG funding from FY 2020-2021 and carryover ($500,000) Public Services Description including crime and safety, programs for youth and seniors, community, non- profit capacity building, etc. carried out by community-based non-profits 21 Goal Name Fair Housing Planning & Services Goal Elimination of discrimination in the provision of housing and housing-related Description services and elimination of segregation by affirmatively promoting inclusive communities and increasing supply of genuinely open housing. 22 Goal Name Improvements to public infrastructure for LMI Goal Assisting LMI households in financial hardship to improve water supply lines and Description other public infrastructure benefitting low to moderate-income persons 23 Goal Name HOME CHDO Set-aside Goal The City will use HOME FY 2020-2021 ($434,344) and carryover funds ($101,652) Description for the 15% set aside for community housing development corporations (CHDOs) and operating assistance to build new or rehabilitate single or multi-family housing for low to moderate-income households 24 Goal Name Improved Neighborhoods by Comprehensive Planning Goal Planning and administrative activities related to the processing of applications Description and community studies including the Toledo's 2020 Comprehensive Plan to lead neighborhood improvements
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25 Goal Name Planning and Administration - CDBG Goal The general operations as it relates to the administration and reporting Description requirements, administration and staff monitoring of programs, neighborhoods revitalization and fiscal oversight. 26 Goal Name Housing Rehabilitation Administration - CDBG Goal The administration of staff cost related to the housing rehabilitation and Description development programs operated by the Department of Neighborhoods Housing Division. 27 Goal Name HOME Administration Goal The administration and staff cost related to the operation of housing Description rehabilitation and development programs funded by the HOME Program. 28 Goal Name Targeted Neighborhood Home Repairs Goal Use carryover CDBG funding in FY 2020-2021 to implement a targeted home Description repair program in the neighborhoods of East Toledo, Junction/Englewood, and Old South End. 29 Goal Name Targeted Neighborhood Slum and Blight Reduction Goal Use carryover CDBG funding in FY 2020-2021 to implement a targeted Description commercial demolition and greening program in the neighborhoods of East Toledo, Junction/Englewood, and Old South End. 30 Goal Name Establish and Maintain Community Gardens Goal Use CDBG funds to establish and maintain community and rain gardens as well as Description promote urban agriculture in underutilized and vacant lots. 31 Goal Name Supplement Lead Hazard Grants for At Risk Families Goal To provide lead remediation assistance to eligible homeowners and Description landlords. Priority will be given to homes in at-risk census tracts or with at-risk children and where lead remediation costs exceed the $16,000 HUD Lead Grant limits.
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Projects
AP-35 Projects – 91.220(d) Introduction
The Consolidated Plan identified priority housing and community development needs in the City of Toledo. The DON will use federal funds for strategies and actions the City will use to meet the needs of low- to-moderate income households and communities. Below are the projects and programs that will take place in FY 2020-2021 with CDBG, HOME, and ESG funding to address the priority needs and objectives in the Consolidated Plan
CDBG Funds: FY 2020-2021 CDBG Allocation is $7,570,178 and the total Reallocated (carryover) Funds is $2,758,433 for FY 2020-2021. Program income of $233,464 is also estimated for FY 2020-2021.The total funding available is $10,562,075. Reallocate $2,758,433 of prior year Community Development Block Grant (CDBG) Funds for flexible home repairs, Code Enforcement, Housing Administration, neighborhood capacity building, community center improvements, as well as targeted investments in three geographic areas as described in section AP-50
HOME Funds: FY 2020-2021 HOME Allocation is $2,228,962 and the total prior-year HOME Reallocated (carryover) Funds is $3,670,233. The total funds available, including reallocated carryover funds, is $5,899,195. The amount allocated for the required HOME CHDO set-aside for FY 2020-2021 is $334,344.
ESG Funds: FY 2020-2021 allocation is $652,282.
NSP Funds: $184,462.50 in previous program income will be converted to CDBG per NSP regulations and used for home repair of owner-occupied single-family housing.
Any HOME, CDBG, or ESG program income or returned funds received during the program year will be retained and used on eligible activities through a competitive application process.
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Projects
# Project Name 1 Planning and Administration 2 DON: Housing Rehabilitation Administration 3 HOME Administration 4 Housing Development - CHDO Set Aside and Operating Assistance 5 Owner-Occupied Rehabilitation 6 Rental Housing Development 7 Home at Last Down Payment and Closing Costs Assistance 8 HOME: Home Buyer Development 9 Tenant Based Rental Assistance (TBRA) and TBRA Operating Assistance 10 COT: Division of Code Enforcement 11 COT: Department of Law 12 Toledo - Lucas County Plan Commission 13 Arts Commission of Greater Toledo, Inc 14 Believe Center Inc 15 Catholic Charities Diocese of Toledo - Helping Hands of St. Louis 16 Compassion Health Toledo 17 Connecting Kids to Meals 18 East Toledo Family Center 19 Fair Housing Opportunities of Northwest Ohio 20 Grace Community Center 21 Legal Aid of Western Ohio Inc 22 Lucas County Regional Health District 23 Lucas Housing Services Corporation 24 Lutheran Social Services of Northwestern Ohio 25 Martin Luther King Center Kitchen for the Poor 26 Maumee Valley Habitat for Humanity 27 Monroe Street Neighborhood Center 28 Neighborhood Health Association of Toledo Inc 29 Neighborworks Toledo Region 30 Pathway Inc 31 Preferred Properties Inc 32 Sofia Quintero Art & Cultural Center 33 Toledo GROWs 34 Toledo Seagate Food Bank 35 Aurora Project, Inc 36 Beach House, Inc dba Leading Families Home 37 Catholic Charities Diocese of Toledo - Transportation Collaboration 38 Family House
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# Project Name 39 Toledo Lucas County Homelessness Board (TLCHB) - Capacity Building 40 Toledo Lucas County Homelessness Board (TLCHB) - Direct Financial Assistance 41 Community Center Improvements 42 Neighborhood Capacity Building Programming 43 Targeted Neighborhood Area #1 - Old South End 44 Targeted Neighborhood Area #2 - Junction/Englewood 45 Targeted Neighborhood Area #3 - East Toledo 46 LEAD Housing Rehabilitation 47 Emergency Repair Program 48 Paint and Siding Program 49 Roof Repair/Replacement 50 DPU - Waterline Replacement Program 51 Workforce Training Initiative 52 HESG-2020 Homeless Services - ESG 53 Coordinate with other Homeless Related Assistance 54 CDBG Project -TBD Table 58 – Project Information
Describe the reasons for allocation priorities and any obstacles to addressing underserved needs
The City of Toledo developed its strategic plan as part of the Consolidated Plan based on an analysis of the data from the Citizens Participation and Agency Consultation Process section and information obtained from the Needs Assessment and Market Analysis sections of the Con Plan. As a result of the analysis, the City identified priority needs and associated goals to address these needs. The priority needs are:
• Affordable housing • Public (Social) Services • Improving Neighborhood Conditions • Economic Development • Adequate housing and services for the Homeless or At-Risk and Special Needs Populations • Fair Housing
To address these needs, the goals are as follows: homeownership housing, rental housing, affordable housing capacity, rental housing code enforcement, improvements to parks and community facilities, slum and blight reduction, home repairs especially for elderly, job creation/retention, business assistance, emergency and permanent housing for homeless, and special need populations.
Federal, state, and local budget cuts resulting in a reduction of funding for programs is the primary obstacle to addressing underserved needs within the City. The amount of funding for housing and non-
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housing activities is not adequate to meet the demand of underserved needs. Typically, the total amount funding requested in recent years exceeds the amount of funding available. Agencies also identified insufficient financial resources as the top barriers to meeting underserved needs. Agencies identified shortage of volunteers, better collaboration between social service agencies, staff turnover and capacity, transportation needs of clients, program eligibility restrictions and marketing and lack of awareness of program services as barriers to meeting underserved needs.
In economic development activities, meeting the job creation and business assistance needs can be challenging in the face of global, national, and regional trends and factors beyond the control of the City. With the worldwide spread of the novel coronavirus, the economic impact is wide ranging with a disproportionate impact on low-income and minority earners. Families and businesses are losing jobs and incomes due to the need for social distancing and closure of many businesses. The impact of the virus will create a new set of needs especially related to job creation/retention and business assistance.
The City contracted with the Toledo Fair Housing Center to complete an Analysis of Impediments to Fair Housing Choice (AI) in 2020 which identified obstacles to obtaining safe, adequate, and decent affordable housing. The City and the Fair Housing Center will collaborate in the implementation of a Fair Housing Action Plan to remove obstacles to fair and affordable housing in collaboration with community partners.
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AP-38 Project Summary Project Summary Information
1 Project Name Planning and Administration Target Area Junction/Englewood Old South End Garfield /Starr/ Raymer Citywide Goals Supported HOME: Home Buyer Development Home Buyer Down Payment/Closing Costs Assistance Small rental housing financing and education Large rental housing/low-income housing tax credit Local affordable housing capacity -public services Code Enforcement & Nuisance Abatement incl. Rental Improvements to parks and community facilities Slum and blight reduction Home Repairs for Seniors and the Disabled Housing Repairs and Rehabilitation Job Creation/Retention incl. returning citizens Transportation support Coordinated Access for Homelessness Rapid Re-Housing and Direct Financial Assistance Permanent Supportive Housing Increase number of emergency shelters Increase in transitional housing Increase or new public services Fair Housing Planning & Services Improvements to public infrastructure for LMI HOME CHDO Set-aside Improved Neighborhoods by Comprehensive Planning Planning and Administration - CDBG Housing Rehabilitation Administration - CDBG HOME Administration Targeted Neighborhood Home Repairs Targeted Neighborhood Slum and Blight Reduction Establish and Maintain Community Gardens Supplement Lead Hazard Grants for At Risk Families
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Needs Addressed Improving Housing Affordability Improving Neighborhood Conditions Increase Home Repairs and Housing Preservation Econ Dev: Job Creation/Access and Business Asst. Adequate Housing & Services for Homeless/At Risk Adequate Housing & Services for Other Special Need Provide and expand Public (Social) Services - 15% Fair Housing Improve Public Infrastructure for LMI Households Funding CDBG: $1,277,011 Description The general operations as it relates to the administration and reporting requirements, administration and staff monitoring of programs, neighborhoods revitalization and fiscal oversight. Target Date 6/30/2021 Estimate the number n/a and type of families that will benefit from the proposed activities Location Description City of Toledo, Department of Neighborhoods, One Government Center, Suite 1800, Toledo, Ohio 43604 Planned Activities All of the CDBG funded activities such as funding of staff designated to carry out activities related to the planning, administration, development and implementation of the Consolidated Plan, Annual Action Plan, and the CAPER. These include the following: tracking and compilation of information; federal grants reporting; IDIS data input; fiscal oversight; CDBG activities monitoring (i.e. on-site monitoring visits, review and evaluation of agency information, assessment of progress and completion of activities, compliance with Federal regulations etc.); general administration of funds and related activities. 2 Project Name DON: Housing Rehabilitation Administration Target Area Citywide
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Goals Supported HOME: Home Buyer Development Home Buyer Down Payment/Closing Costs Assistance Small rental housing financing and education Large rental housing/low-income housing tax credit Home Repairs for Seniors and the Disabled Housing Repairs and Rehabilitation HOME CHDO Set-aside Housing Rehabilitation Administration - CDBG Targeted Neighborhood Home Repairs Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding CDBG: $1,030,007 Description The administration of staff cost related to the housing rehabilitation and development programs operated by the Department of Neighborhoods Housing Division. Target Date 6/30/2021 Estimate the number n/a and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The activities related to the administration duties of the Housing Division including: Owner-Occupied Rehabilitation; Homebuyer units production through new construction or acquisition; rehabilitation and resale; down payment and closing costs through the Home At Last Program; Paint, Roof, and Emergency Repair Programs; Code Violations Abatement Program (CVAP), Lead-Based Paint Hazard Programs, and Rental Housing Development Projects. 3 Project Name HOME Administration Target Area Citywide
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Goals Supported HOME: Home Buyer Development Home Buyer Down Payment/Closing Costs Assistance Small rental housing financing and education Large rental housing/low-income housing tax credit Local affordable housing capacity -public services Home Repairs for Seniors and the Disabled Housing Repairs and Rehabilitation HOME CHDO Set-aside HOME Administration Needs Addressed Improving Housing Affordability Improving Neighborhood Conditions Increase Home Repairs and Housing Preservation Adequate Housing & Services for Homeless/At Risk Funding HOME: $172,896 Description The administration and staff cost related to the operation of housing rehabilitation and development programs funded by the HOME Program. Target Date 6/30/2021 Estimate the number n/a and type of families that will benefit from the proposed activities Location Description City of Toledo, Department of Neighborhoods, One Government Center, Suite 1800, Toledo, Ohio 43604 Planned Activities The activities include all planning and administration duties of management and the Housing Division staff. The duties include the following: underwriting analysis of all projects including the owner- occupied program and the down payment assistance program; administration and monitoring of tenant-based rental assistance (TBRA) program; all aspects of homeownership financial assistance to eligible applicants; maintenance of records to support compliance with all federal regulations; entry of data into IDIS; and continued evaluation of programs, procedures and policies. Also included is the administrative funding for TBRA Third-Party Partners. 4 Project Name Housing Development - CHDO Set Aside and Operating Assistance Target Area Citywide
Consolidated Plan TOLEDO 237 OMB Control No: 2506-0117 (exp. 06/30/2018)
Goals Supported HOME: Home Buyer Development Home Buyer Down Payment/Closing Costs Assistance Small rental housing financing and education Large rental housing/low-income housing tax credit Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding HOME: $535,996 Description The GAP financing and $100,000 of operating assistance for single- or multi-family rehabilitation or new construction projects owned, developed, or sponsored by Community Housing Development Organizations (CHDOs). Target Date 6/30/2021 Estimate the number Five (5) low- and moderate-income households will benefit from this and type of families activity. that will benefit from the proposed activities Location Description City-wide Planned Activities The rehabilitation or new construction of single-family homeownership units and/or rehabilitation or new construction of single-family or multi- family rental units. 5 Project Name Owner-Occupied Rehabilitation Target Area Citywide Goals Supported Housing Repairs and Rehabilitation Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding HOME: $2,493,633 Description To help low- and moderate-income homeowners with housing rehabilitation to restore their homes to decent, safe, and sanitary conditions; thereby preserving the housing stock. Implemented by sub- recipients and the City of Toledo Housing Division. Target Date 6/30/2021
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Estimate the number Sixty (60) low- and moderate-income homeowners will benefit from this and type of families activity. that will benefit from the proposed activities Location Description City-wide Planned Activities To provide owner-occupied rehabilitation to address code violations, health and safety issues including lead-based paint hazards. 6 Project Name Rental Housing Development Target Area Citywide Goals Supported Small rental housing financing and education Large rental housing/low-income housing tax credit Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding HOME: $1,100,000 Description The gap financing for new construction or rehabilitation of rental housing units developed by nonprofits or for-profit developers, seniors, and families. The projects are selected based on gap funding needs, consistency with COT affordable housing priorities, readiness to proceed and successfully securing all land use entitlement and project financing commitments. Target Date 6/30/2021 Estimate the number Twelve (12) low- and moderate-income households will benefit from and type of families this project. that will benefit from the proposed activities Location Description City-wide Planned Activities The projects are intended to provide gap financing for developers and agencies developing multi-unit projects. These developments are multi- unit buildings involving new construction, rehabilitation, or repurposing. 7 Project Name Home at Last Down Payment and Closing Costs Assistance Target Area Citywide Goals Supported Home Buyer Down Payment/Closing Costs Assistance
Consolidated Plan TOLEDO 239 OMB Control No: 2506-0117 (exp. 06/30/2018)
Needs Addressed Improving Housing Affordability Funding HOME: $600,000 Description To provide 0% interest deferred payment loans for down payment and closing cost assistance to eligible first-time home buyer households who are buying single-family units. Target Date 6/30/2021 Estimate the number Thirty (30) low- and moderate-income households will benefit from this and type of families project. that will benefit from the proposed activities Location Description City-wide Planned Activities To provide down payment and closing cost assistance to low- and moderate-income homebuyers. 8 Project Name HOME: Home Buyer Development Target Area Citywide Goals Supported HOME: Home Buyer Development Home Buyer Down Payment/Closing Costs Assistance Needs Addressed Improving Housing Affordability Funding HOME: $846,670 Description The new construction or acquisition, rehabilitation, and resale of homebuyer units. Target Date 6/30/2021 Estimate the number Five (5) low- and moderate-income families will benefit from this and type of families activity. that will benefit from the proposed activities Location Description City-wide Planned Activities To provide gap financing for new construction or acquisition, rehabilitation, and resale of homebuyer units. The construction and rehabilitation will incorporate green building standards. 9 Project Name Tenant Based Rental Assistance (TBRA) and TBRA Operating Assistance Target Area Citywide 240
Goals Supported Rapid Re-Housing and Direct Financial Assistance Needs Addressed Adequate Housing & Services for Homeless/At Risk Funding HOME: $150,000 Description Tenant-Based Rental Assistance (TBRA) provided through the Toledo Lucas County Homelessness Board (TLCHB). Target Date 6/30/2021 Estimate the number Thirty (30) low- and moderate-income individuals will benefit from this and type of families activity. that will benefit from the proposed activities Location Description City-wide Planned Activities To provide funding to sub-recipient (TLCHB) to facilitate a program that provides direct financial assistance, i.e. rent and security deposits. 10 Project Name COT: Division of Code Enforcement Target Area Citywide Low to Moderate Income & Slum and Blight Goals Supported Code Enforcement & Nuisance Abatement incl. Rental Slum and blight reduction Needs Addressed Improving Neighborhood Conditions Funding CDBG: $1,400,264 Land Bank: $4,750,000 Description To reduce the number of nuisance housing code violations by inspecting properties, issue orders, and, as necessary, filing criminal charges in Toledo Municipal Court. The City will coordinate activities with the Toledo/Lucas County Land Bank Target Date 6/30/2021 Estimate the number 11,000 households in low- and moderate-income census tracts will and type of families benefit from this activity. that will benefit from the proposed activities Location Description City-wide low- and moderate-income census tracts in designated blighted areas will benefit from code enforcement activities.
Consolidated Plan TOLEDO 241 OMB Control No: 2506-0117 (exp. 06/30/2018)
Planned Activities The planned activities include: • Inspection of properties for mechanical and cosmetic property maintenance. • Issue appropriate nuisance orders. • File charges to put case into Toledo Municipal Housing Court as needed. • Follow-up on nuisance orders or court cases as appropriate. 11 Project Name COT: Department of Law Target Area Citywide Low to Moderate Income & Slum and Blight Goals Supported Code Enforcement & Nuisance Abatement incl. Rental Slum and blight reduction Needs Addressed Improving Neighborhood Conditions Funding CDBG: $50,517 Description To reduce blight by prosecuting property owners who fail to comply with the Toledo Municipal Codes related to nuisance orders issued by the Code Enforcement Division. Target Date 6/30/2021 Estimate the number 300 housing units in low- and moderate-income census tracts will be and type of families compliant as a result of this activity. that will benefit from the proposed activities Location Description Low- and moderate-income census tracts within the City of Toledo Planned Activities The housing court prosecutor will prosecute criminal and/or civil complaints filed by the Code Enforcement Division against non- compliant property owners in low- and moderate-income census tracts and in addition, will appear in court and prosecute cases until compliance, conviction or dismissal of the case occurs. 12 Project Name Toledo - Lucas County Plan Commission Target Area Citywide Low to Moderate Income & Slum and Blight Goals Supported Slum and blight reduction Improved Neighborhoods by Comprehensive Planning
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Needs Addressed Improving Housing Affordability Improving Neighborhood Conditions Funding CDBG: $87,025 Description The administrative activities related to the processing of applications and community studies dealing with the City of Toledo's subdivisions rules and regulations and the Toledo 20/20 Comprehensive Plan. Target Date 6/30/2021 Estimate the number n/a and type of families that will benefit from the proposed activities Location Description City-wide targeting areas needing enhancements. Planned Activities The planned activities include the following: Administrative activities related to: • Processing of applications dealing with the City of Toledo's subdivision rules and regulations, zoning ordinances and Overlay Districts. and • Community planning for commercial and residential areas suffering from disinvestments including detailed development plans. 13 Project Name Arts Commission of Greater Toledo, Inc Target Area Citywide Low to Moderate Income & Slum and Blight Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $22,000 Description A six-week, summer and fall sessions youth employment training program for at-risk youths ages 14-19. The program provides summer and fall employment experience in the arts, builds job skills, connections to community and technical skills in the arts. Target Date 6/30/2021
Consolidated Plan TOLEDO 243 OMB Control No: 2506-0117 (exp. 06/30/2018)
Estimate the number Thirteen (13) youth ages 14-19 from low- and moderate-income families and type of families will benefit from this activity. that will benefit from the proposed activities Location Description City-wide Planned Activities The program activities directed to the development of artistic and job skills include the following: • job training through work experience. • transportation services as needed. • team building activities; and • public art design and making. 14 Project Name Believe Center Inc Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $39,000 Description To carry out eligible sports, family and educational programs for youth living in low- and moderate-income census tracts. Target Date 6/30/2021 Estimate the number Fifty (50) low- and moderate-income youth will benefit from this and type of families project. that will benefit from the proposed activities Location Description City-wide Planned Activities The planned activities will provide opportunities to carry out the following: • Youth Sports. • Educational Enhancement Programs (reading, writing and math); and Recreational Opportunities (field trips, tours, camping and etc.). Project Name Catholic Charities Diocese of Toledo - Helping Hands of St. Louis
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15 Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $25,948 Description To provide groceries on a monthly basis to low- and moderate-income individuals in low- and moderate-income census tracts. Target Date 6/30/2021 Estimate the number 1,600 low- and moderate-income persons will benefit from this activity. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities All activities related to the operation of a food pantry. 16 Project Name Compassion Health Toledo Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $55,006 Description This activity will directly address the problem of high infant mortality by providing comprehensive health care services to high risk obstetric patients and have a social worker and two community health workers who assist our Health Care Providers in addressing the Social Determinants of Health with our pregnant patients. Target Date 6/30/2021 Estimate the number 216 low- and moderate-income individuals will benefit from this and type of families activity. that will benefit from the proposed activities Location Description Citywide
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Planned Activities The services associated with this activity include the following: • complete prenatal care. • complete reproductive plan. • connections to social services in the community. • attend nutrition, parenting and prenatal (including breastfeeding) classes; and • active participation of fathers.
17 Project Name Connecting Kids to Meals Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $75,000 Description To increase capacity by providing free nutritious meals to kids under the age of 18 during the summer months. Target Date 6/30/2021 Estimate the number 3,000 low- and moderate-income persons will benefit from this activity. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities To prepare, package and deliver nutritious meals to summer partners located in low-income and underserved areas. 18 Project Name East Toledo Family Center Target Area Citywide Goals Supported Home Repairs for Seniors and the Disabled Increase or new public services Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Provide and expand Public (Social) Services - 15% Funding CDBG: $27,500
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Description This project entails two activities: Activity 1: administrative operations for minor repairs and home rehabilitation projects to assist low- and moderate-income senior citizens maintain a healthy, safe and sanitary living environment - $17,500 allocated; and Activity 2: enrichment activities for youth residing in low- and moderate-income census tracts- $10,000 allocated. Target Date 6/30/2021 Estimate the number 54 low- and moderate-income seniors and 350 youth will benefit from and type of families these activities. that will benefit from the proposed activities Location Description City-wide Planned Activities The activities for this project are related to: Activity 1: working in partnership with the Area Office on Aging on the rehabilitation of privately owned, single-unit homes with construction dollars provided by the Area Office on Aging and Activity 2: youth programs designed to provide opportunities for learning life time skills and the development of social, emotional and cognitive competency. 19 Project Name Fair Housing Opportunities of Northwest Ohio Target Area Citywide Goals Supported Fair Housing Planning & Services Needs Addressed Fair Housing Funding CDBG: $150,000 Description Activities to ensure that residents, regardless of income, have fair housing choices and further the implementation of the Analysis of Impediments (AI) Action Plan steps towards the elimination of impediment to fair housing choice. (Fair Housing activities are carried out as part of the Department of Neighborhoods general program administration) Target Date 6/30/2021 Estimate the number 3,507 individuals and families who could potentially be facing housing and type of families discrimination will benefit from this activity. that will benefit from the proposed activities
Consolidated Plan TOLEDO 247 OMB Control No: 2506-0117 (exp. 06/30/2018)
Location Description City-wide Planned Activities The administrative activities related to housing discrimination including: • Enforcement. • Trainings (for the public and the housing industry). • Dissemination of information at outreach events; and • Implementation of action steps identified in the Analysis of Impediments (AI). 20 Project Name Grace Community Center Target Area Citywide Goals Supported Slum and blight reduction Establish and Maintain Community Gardens Needs Addressed Improving Neighborhood Conditions Funding CDBG: $46,609 Description The project entails a garden cooperative which will give families a stake in ownership of the garden beds and will increase access to affordable home-grown vegetables. Target Date 6/30/2021 Estimate the number 101 households in low- and moderate-income areas will benefit from and type of families this activity. that will benefit from the proposed activities Location Description City-wide Planned Activities To promote a garden designed to provide families in low- to moderate- income areas with a variety of vegetables throughout the growing season. 21 Project Name Legal Aid of Western Ohio Inc Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $100,000 Description To provide high quality legal services regarding housing issues to low- and moderate-income adults residing within the City of Toledo. 248
Target Date 6/30/2021 Estimate the number 240 low- and moderate-income persons will benefit from this activity. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The legal services for this project including the following: • Comprehensive Legal Representation. • Defense of eviction and foreclosure cases/secure affordable housing; and • Addressing issues with unsuitable living conditions and unscrupulous landlords. 22 Project Name Lucas County Regional Health District Target Area Citywide Goals Supported Slum and blight reduction Needs Addressed Improving Neighborhood Conditions Funding CDBG: $62,800 Description The administrative costs associated with inspections prior to demolitions, proactive inspections for rodent activity and follow-up actions such as citations and court nuisance orders. Target Date 6/30/2021 Estimate the number 850 households will benefit from this project. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The administrative activities associated with codes addressing rodent control. 23 Project Name Lucas Housing Services Corporation Target Area Citywide Goals Supported HOME: Home Buyer Development Housing Repairs and Rehabilitation
Consolidated Plan TOLEDO 249 OMB Control No: 2506-0117 (exp. 06/30/2018)
Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding CDBG: $75,000 Description The repair or the rehabilitation to LIHTC units to make units available for purchase by low- and moderate-income persons. Target Date 6/30/2021 Estimate the number Three (3) housing units will be repaired or rehabilitated for purchase by and type of families low- and moderate-income persons. that will benefit from the proposed activities Location Description City Forest and North River Homes I Areas. Planned Activities The activities associated with the repair, rehabilitation, and purchase of properties. 24 Project Name Lutheran Social Services of Northwestern Ohio Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $20,296 Description To increase capacity operational costs to provide nutritious food to low- and moderate-income individuals in low- and moderate-income census tracts. Target Date 6/30/2021 Estimate the number 18,000 low- and moderate-income individuals will be assisted through and type of families this project. that will benefit from the proposed activities Location Description City-wide Planned Activities The activities associated with the operation of a food bank. 25 Project Name Martin Luther King Center Kitchen for the Poor Target Area Citywide Low to Moderate Income & Slum and Blight
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Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $54,000 Description To provide grocery items, food supplements, and food boxes to low- income and homeless families, thereby, providing savings to families' budgets. Target Date 6/30/2021 Estimate the number 825 low- and moderate-income persons will benefit from this project. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The operational activities related to providing food boxes to low- and moderate-income citizens and, as needed, deliver food boxes to senior citizens. 26 Project Name Maumee Valley Habitat for Humanity Target Area Citywide Goals Supported Housing Repairs and Rehabilitation Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding CDBG: $475,000 Description This project entails two activities: Activity 1: owner-occupied repair and Activity 2: roof repair projects for low- to moderate-income homeowners. Target Date 6/30/2021 Estimate the number 75 low- and moderate-income households will benefit from owner- and type of families occupied homeowner repairs and 65 households will be benefit from a that will benefit from roofing repair program. the proposed activities Location Description City-wide Planned Activities The activities associated with carrying out home and roof repairs for low- and moderate-income families will benefit from this project. Project Name Monroe Street Neighborhood Center
Consolidated Plan TOLEDO 251 OMB Control No: 2506-0117 (exp. 06/30/2018)
27 Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $29,398 Description This project will provide capacity to assist low- to moderate-income youth ages 5-12 in a summer reading program. Target Date 6/30/2021 Estimate the number 55 youth will benefit from this project. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The activities associated with carrying out a program to assist youth ages 5-12 in showing an increase in reading skills. 28 Project Name Neighborhood Health Association of Toledo Inc Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $154,647 Description To provide direct medical care through 13 community health centers to low- and moderate-income residents of the City of Toledo. Primary healthcare, preventative healthcare and specialty care will be provided. Target Date 6/30/2021 Estimate the number 4,755 low- and moderate-income persons will benefit from this project. and type of families that will benefit from the proposed activities Location Description City-wide.
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Planned Activities Services associated with physical health needs such as: primary healthcare, preventative healthcare, and specialty care. LMI clients will have access to quality medical care, a full-service pharmacy at Nexus Health Care, care coordination for prescription assistance and other services, community service, specialty care such as cardiology, women's health, and podiatry. Dental services are also accessible through the Neighborhood Health Association (NHA). 29 Project Name Neighborworks Toledo Region Target Area Citywide Goals Supported Housing Repairs and Rehabilitation Increase or new public services Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Provide and expand Public (Social) Services - 15% Funding CDBG: $500,000 Description This project entails four activities related to carrying out housing and neighborhood development through homeowner-occupied rehabilitation-($332,819), foreclosure prevention and housing counseling ($167,181) and improving the quality of life for Toledo residents by fostering housing and financial education. Target Date 6/30/2021 Estimate the number Low- and moderate-income individuals and families will benefit from the and type of families activities undertaken under this project as follows: Activity that will benefit from 1: 80 housing units will be rehabilitated or repaired, Activity 2: 7 the proposed housing units will be rehabilitated or repaired in various zip codes, activities Activity 3: 50 households will benefit from homebuyer education and counseling and Activity 4: 56 individuals or families will receive financial education and/or counseling. Location Description City-wide Planned Activities The activities directly associated with rehabilitation of owner-occupied homes, foreclosure prevention through homebuyer education and/or counseling and financial education and/or counseling. 30 Project Name Pathway Inc Target Area Citywide Goals Supported Home Repairs for Seniors and the Disabled
Consolidated Plan TOLEDO 253 OMB Control No: 2506-0117 (exp. 06/30/2018)
Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding CDBG: $400,000 Description To provide emergency repairs on owner-occupied homes for very low- to low-income adults aged 62 years or older and the permanently disabled. Target Date 6/30/2021 Estimate the number 50 households will benefit from this project. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The activities associated with the rehabilitation of privately owned, single-unit homes. 31 Project Name Preferred Properties Inc Target Area Citywide Goals Supported Home Repairs for Seniors and the Disabled Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding CDBG: $47,948 Description To provide affordable housing for very low-income persons with disabilities. Target Date 6/30/2021 Estimate the number Four (4) renovations of single-family homes housing individuals with and type of families disabilities. that will benefit from the proposed activities Location Description City-wide Planned Activities To improve the livability and operating efficient of accessible homes located in integrated housing settings with access to transportation, hospitals, and other amenities. Project Name Sofia Quintero Art & Cultural Center
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32 Target Area Old South End Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $73,780 Description To increase capacity through community gardening, provide educational and life skills development opportunities to youth while promoting public art. Target Date 6/30/2021 Estimate the number 75 low- and moderate-income youth will benefit directly from this and type of families project. Community residents will also benefit from the produce grown that will benefit from in the gardens. the proposed activities Location Description Old South End Planned Activities The activities associated with developing life skills for the youth involved in this project through the establishment and maintenance of community gardens. 33 Project Name Toledo GROWs Target Area Citywide Goals Supported Slum and blight reduction Increase or new public services Needs Addressed Improving Neighborhood Conditions Provide and expand Public (Social) Services - 15% Funding CDBG: $43,000 Description To increase access to healthy food in low- and moderate-income areas of the city by establishing and maintaining community gardens. This activity will also include the conversion of blighted, vacant lots into beautiful, productive community gardens. Additionally, to work with community agencies to refer individuals needing a supplemental food parcel. Target Date 6/30/2021
Consolidated Plan TOLEDO 255 OMB Control No: 2506-0117 (exp. 06/30/2018)
Estimate the number 3,000 persons residing in low- and moderate-income areas will benefit and type of families from new or existing community gardens. that will benefit from the proposed activities Location Description City-wide Planned Activities The activities associated with the establishment and maintenance of community gardens such as: technical assistance in project planning, problem solving, volunteer assistance, and gardening education. In addition, coordinate the distribution of free seeds and plants, educational materials, and healthy foods. 34 Project Name Toledo Seagate Food Bank Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $47,500 Description This project entails two activities: Activity 1: To provide balanced, nutritional food baskets to low- and moderate-income individuals in low- and moderate-income census tracts; and Activity 2: To provide a supplemental food basket to individuals or families under the Families in Recovery Staying Together (F.I.R.S.T) program. Target Date 6/30/2021 Estimate the number 4,449 low and moderate-income unduplicated individuals will be and type of families assisted through activity 1 and 2,500 individuals through activity 2. that will benefit from the proposed activities Location Description City-wide Planned Activities The activities associated with the operation of a food bank and to provide supplemental food baskets to low- to moderate-income individuals or families where children of recovering parents from opiate addiction or use are experiencing hunger. 35 Project Name Aurora Project, Inc Target Area Citywide Goals Supported Increase in transitional housing 256
Needs Addressed Adequate Housing & Services for Homeless/At Risk Funding CDBG: $90,000 Description To provide Transitional Housing (TH) to homeless persons. Target Date 6/30/2021 Estimate the number Twenty-two (22) families (42 women and children) whose head of and type of families household is suffering from substance abuse will benefit from this that will benefit from project. the proposed activities Location Description City-wide Planned Activities The activities associated with the operation of a Transitional Housing (TH) facility for homeless persons. 36 Project Name Beach House, Inc dba Leading Families Home Target Area Citywide Goals Supported Permanent Supportive Housing Needs Addressed Adequate Housing & Services for Homeless/At Risk Funding CDBG: $65,855 Description The scattered-site permanent housing and services that assist adults with chronic conditions and also maintain tenancy for themselves and their children. Target Date 6/30/2021 Estimate the number Fifty-six (56) families (162 individuals) will benefit from this activity. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The activities associated with the operation of a Permanent Supportive Housing (PSH) program. 37 Project Name Catholic Charities Diocese of Toledo - Transportation Collaboration Target Area Citywide Goals Supported Transportation support Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $11,000
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Description To provide transportation assistance. Target Date 6/30/2021 Estimate the number 210 low- and moderate-income families will benefit from this activity. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities To provide transportation assistance to residence of Aurora, Bethany House, Family House, and Catholic Charities. 38 Project Name Family House Target Area Citywide Goals Supported Increase number of emergency shelters Needs Addressed Adequate Housing & Services for Homeless/At Risk Funding CDBG: $60,500 Description To provide emergency housing for homeless persons. Target Date 6/30/2021 Estimate the number 174 families (589 individuals) will benefit from this activity. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The activities associated with the operation of an Emergency Shelter (ES) for homeless persons. 39 Project Name Toledo Lucas County Homelessness Board (TLCHB) - Capacity Building Target Area Citywide Goals Supported Coordinated Access for Homelessness Rapid Re-Housing and Direct Financial Assistance Permanent Supportive Housing Increase number of emergency shelters Increase in transitional housing Needs Addressed Adequate Housing & Services for Homeless/At Risk
258
Funding CDBG: $32,500 Description To increase capacity building for non-profit organization (TLCHB) to carry out eligible activities related to ending homelessness. Target Date 6/30/2021 Estimate the number n/a and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The activities associated with the operation of the TLCHB which is the lead Continuum of Care (CoC) organization. Activities are related to coordinated assessment, rapid re-housing, direct financial assistance, permanent supportive housing, emergency shelters, transitional housing, and youth homelessness. 40 Project Name Toledo Lucas County Homelessness Board (TLCHB) - Direct Financial Assistance Target Area Citywide Goals Supported Rapid Re-Housing and Direct Financial Assistance Needs Addressed Adequate Housing & Services for Homeless/At Risk Funding CDBG: $49,500 Description To help with deposits, rents, utilities, lease agreements and etc. Target Date 6/30/2021 Estimate the number 110 households will benefit from this project. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The activities associated with the operation of rapid re-housing programs that provide direct financial assistance to homeless persons and those at-risk of homelessness. 41 Project Name Community Center Improvements Target Area Citywide Goals Supported Improvements to parks and community facilities
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Needs Addressed Improving Neighborhood Conditions Funding CDBG: $500,000 Description Rehabilitation of one (1) facility used for social services and recreation in low- to moderate-income areas. Target Date 6/30/2021 Estimate the number Rehabilitation of Neighborhood one (1) facility to provide area benefit and type of families for low- to moderate-income areas. that will benefit from the proposed activities Location Description LMI Eligible Areas. Planned Activities Rehabilitation of a facility used for social services and recreation in low- to moderate-income areas. 42 Project Name Neighborhood Capacity Building Programming Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $100,000 Description Providing technical capacity training and grant writing skills to assist non-profit organizations to build organizational capacity, project management skills to carry out neighborhood revitalization and economic development activities. Target Date 6/30/2021 Estimate the number Eight (8) Non-profit organizations engaging in CDBG eligible activities and type of families funded or eligible for funding will receive technical training and grant that will benefit from writing skills to assist in organizational capacity building and the proposed project development and delivery. activities Location Description City-wide Planned Activities The activities to include organizational assessment, technical support, and provision of mini grants for CDBG eligible neighborhood and economic development, project development to non-profit organizations. Project Name Targeted Neighborhood Area #1 - Old South End
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43 Target Area Old South End Goals Supported Slum and blight reduction Housing Repairs and Rehabilitation Targeted Neighborhood Home Repairs Targeted Neighborhood Slum and Blight Reduction Needs Addressed Improving Housing Affordability Improving Neighborhood Conditions Increase Home Repairs and Housing Preservation Funding CDBG: $300,000 Description To implement a housing preservation program and strategic demolition/greening of properties for the Old South End target area. Target Date 6/30/2021 Estimate the number Fifteen (15) low- to moderate-income homeowners will benefit from and type of families this project. that will benefit from the proposed activities Location Description Old South End Target Area. Planned Activities The repair and/or replacement of roofs, emergency repairs, paint and siding program, landscaping, and strategic demolition/greening of properties.
44 Project Name Targeted Neighborhood Area #2 - Junction/Englewood Target Area Junction/Englewood Goals Supported Slum and blight reduction Housing Repairs and Rehabilitation Targeted Neighborhood Home Repairs Targeted Neighborhood Slum and Blight Reduction Needs Addressed Improving Housing Affordability Improving Neighborhood Conditions Increase Home Repairs and Housing Preservation Funding CDBG: $900,000 Description To implement a housing preservation program and strategic demolition/greening of properties for the Junction/Englewood and vicinity target areas and including the strategic demolition of the Driggs Dairy Site.
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Target Date 6/30/2021 Estimate the number Ten (10) low- to moderate-income homeowners will benefit from this and type of families project in the Junction/Englewood area and vicinity. that will benefit from the proposed activities Location Description Junction/Englewood Target Area Planned Activities The repair and/or replacement of roofs, emergency repairs, paint and siding program, landscaping, and strategic demolition/greening of properties; and including the strategic demolition of the Driggs Dairy site. 45 Project Name Targeted Neighborhood Area #3 - East Toledo Target Area Garfield /Starr/ Raymer Goals Supported Slum and blight reduction Housing Repairs and Rehabilitation HOME Administration Targeted Neighborhood Home Repairs Needs Addressed Improving Housing Affordability Improving Neighborhood Conditions Increase Home Repairs and Housing Preservation Funding CDBG: $300,000 Description To implement a housing preservation program and strategic demolition/greening of properties in the Garfield/Starr/Raymer target areas. Target Date 6/30/2021 Estimate the number Fifteen (15) low- to moderate-income homeowners will benefit from and type of families this project. that will benefit from the proposed activities Location Description Garfield/Starr/Raymer Target Area of East Toledo Planned Activities The repair and/or replacement of roofs, emergency repairs, paint and siding program, landscaping, and strategic demolition/greening of properties. Project Name LEAD Housing Rehabilitation
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46 Target Area Citywide Goals Supported Housing Repairs and Rehabilitation Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding CDBG: $500,000 Description To supplement COT Lead Hazard Control Grant Funding. Target Date 6/30/2021 Estimate the number Twenty-five (25) low- to moderate-income homeowners will benefit and type of families from this project. that will benefit from the proposed activities Location Description City-wide Planned Activities To provide lead remediation assistance to eligible homeowners and landlords. Priority will be given to homes in at-risk census tracts or with at-risk children and where lead remediation costs exceed the $16,000 HUD Lead Grant Limits. 47 Project Name Emergency Repair Program Target Area Citywide Goals Supported Home Repairs for Seniors and the Disabled Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding CDBG: $100,000 Description The City of Toledo housing Emergency Repair grant program. Target Date 6/30/2021 Estimate the number Twenty (20) low- to moderate-income homeowners will benefit from and type of families this project. that will benefit from the proposed activities Location Description City-wide
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Planned Activities The Emergency Repair Program will assist eligible low- and moderate- income owner-occupied households headed by a senior or disabled individual. Grant funding in an amount not to exceed $5,000 will be provided to households to alleviate hazardous and/or unsanitary conditions creating an immediate danger to the occupant's health or safety. Applications will be accepted on a rolling basis. City of Toledo division of Housing construction management staff will operate program internally and/or partner with a Third Party-Partner. 48 Project Name Paint and Siding Program Target Area Citywide Goals Supported Housing Repairs and Rehabilitation Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding CDBG: $150,000 Description The City of Toledo Paint and Siding Program. Carryover NSP funds converted to CDBG will be used. Target Date 6/30/2021 Estimate the number Thirty (30) low- to moderate-income homeowners will benefit from this and type of families project. that will benefit from the proposed activities Location Description City-wide Planned Activities The Paint and Siding program will assist eligible low- and moderate- income owner-occupied households with grant funding of up to $5,000 to paint or side a residential property. Applications will be accepted on a rolling basis. City of Toledo licensed contractors will perform work with oversight by the Housing Division construction management staff. 49 Project Name Roof Repair/Replacement Target Area Citywide Goals Supported Housing Repairs and Rehabilitation Needs Addressed Improving Housing Affordability Increase Home Repairs and Housing Preservation Funding CDBG: $200,000
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Description The City of Toledo Roofing Program. Target Date 6/30/2021 Estimate the number Thirty (30) low- to moderate-income homeowners will benefit from this and type of families project. that will benefit from the proposed activities Location Description City-wide Planned Activities The Roof Repair/Replacement program will assist eligible low- and moderate-income owner-occupied household with grant funding of up to $6,500 to repair or replace roofs. Applications will be accepted on a rolling basis. City of Toledo licensed contractors will perform work with oversight by the Division of Housing construction management staff. 50 Project Name DPU - Waterline Replacement Program Target Area Citywide Low to Moderate Income & Slum and Blight Goals Supported Housing Repairs and Rehabilitation Improvements to public infrastructure for LMI Needs Addressed Improving Housing Affordability Improving Neighborhood Conditions Improve Public Infrastructure for LMI Households Funding CDBG: $50,000 Description To assist low- to moderate-income customers experiencing financial hardships and need water lines replaced in order to have their water turned on. Target Date 6/30/2021 Estimate the number Twenty-Five (25) households will benefit from this project. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities To repair or replace the private water lines of customers in order to have their water services restored. Project Name Workforce Training Initiative
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51 Target Area Citywide Goals Supported Increase or new public services Needs Addressed Provide and expand Public (Social) Services - 15% Funding CDBG: $500,000 Description To provide job training and placement opportunities for low- and moderate-income residents to get jobs. Target Date 6/30/2021 Estimate the number Fifty (50) persons will benefit from this project. and type of families that will benefit from the proposed activities Location Description City-wide Planned Activities The Department of Neighborhoods will partner with businesses, industry or trade groups, educational entities (public schools, community college, vocational or technical college, or university) to provide job training and placement in opportunity occupations. Specific job training proposed should be based on data for target growth occupations including an analysis of the relevant job demand and compensation for the proposed training. Evaluation criteria for selection of proposals or specific goals will include number of beneficiaries, demonstrated need, post training placement plan, leveraged funds, demonstrated capacity of organization, project budget, implementation plan and strength of partnership. Stipends and transportation are eligible expenses. 52 Project Name HESG-2020 Homeless Services - ESG Target Area Citywide Goals Supported Coordinated Access for Homelessness Rapid Re-Housing and Direct Financial Assistance Permanent Supportive Housing Increase number of emergency shelters Increase in transitional housing Needs Addressed Adequate Housing & Services for Homeless/At Risk Funding ESG: $652,282
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Description The provision of services to homeless and those at-risk of homelessness in the community as well as services related to the overall management of the homeless system in the community. Target Date 6/30/2021 Estimate the number Households will benefit from homeless services provided through the and type of families Emergency Solutions Grant (ESG). that will benefit from the proposed activities Location Description City-wide Planned Activities The activities related to coordinated assessment, rapid re-housing, direct financial assistance, permanent supportive housing, emergency shelters, transitional housing, youth homelessness, Homeless Management Information System (HMIS) and administration of the TLCHB. 53 Project Name Coordinate with other Homeless Related Assistance Target Area Citywide Goals Supported Coordinated Access for Homelessness Rapid Re-Housing and Direct Financial Assistance Permanent Supportive Housing Increase number of emergency shelters Increase in transitional housing Needs Addressed Adequate Housing & Services for Homeless/At Risk Funding Competitive McKinney-Vento Homeless Assistance Act: $400,000 Continuum of Care: $3,955,340 Description The City of Toledo will coordinate with other funding for homeless related assistance available through the McKinney-Vento Homelessness Assistance Act and the Toledo Lucas County Continuum of Care. These funds are not administered by the City but contribute to homelessness prevention and reduction. Outcomes will be generated by the administrators of the funds. Target Date 7/31/2021 Estimate the number To be determined by partners and type of families that will benefit from the proposed activities
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Location Description Citywide for Toledo residents served Planned Activities Coordinate meetings, share data, fund program activities jointly, address policy issues 54 Project Name CDBG Project -TBD Target Area Citywide Goals Supported Small rental housing financing and education Large rental housing/low-income housing tax credit Home Repairs for Seniors and the Disabled Housing Repairs and Rehabilitation Job Creation/Retention incl. returning citizens Needs Addressed Improving Housing Affordability Improving Neighborhood Conditions Increase Home Repairs and Housing Preservation Funding CDBG: $283,463 Description CDBG Program Income and carryover forward funds will be allocated to a project or projects to be determined by the City. Target Date 6/30/2021 Estimate the number To be determined and type of families that will benefit from the proposed activities Location Description Citywide Planned Activities To be determined
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AP-50 Geographic Distribution – 91.220(f) Description of the geographic areas of the entitlement (including areas of low-income and minority concentration) where assistance will be directed
In general, some federal grant funded activities such as public services, economic development, and housing rehabilitation and new construction are provided on a Citywide basis to low- and moderate- income (LMI) individuals and households. As well, the City of Toledo (COT) has identified and mapped areas of the city where the LMI population is 51% or more. LMI census tracts are: 8, 9, 10, 11, 12.02, 13.02, 14, 15, 17, 18, 19, 20, 22, 23, 24.01, 24.02, 25, 26, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 39, 40, 42, 46, 47.01, 47.02, 48, 49, 50, 51, 52, 53, 54, 57.01, 59.02, 66, 67, 68, 73.02, 73.03, and 103.
In addition to Citywide activities, the COT also uses geographic, place-based strategies to reach the goals identified in the Consolidated Plan. The Department of Neighborhoods (DON) will concentrate its efforts in the most economically disadvantaged areas of the City using two main strategies.
1. Slum and blight reduction - The COT uses CDBG funds to partially fund code enforcement activities in LMI areas that are deteriorated or deteriorating areas. Based on a Lucas County Land Bank Toledo Survey of 121,798 parcels in the City, most deteriorated properties in the City are in Districts 1, 3, and 4 (excluding census tracts 6, 7, 13.03, 21, 44, 74, 75). CDBG funds are also allocated to the City’s Council Districts, 2, 5, and 6 specifically in census tracts 9, 13.02, 57.01, 59.02, and 68. CDBG-assisted code enforcement activities are allocated only to census tracts having 51% and over LMI households. 2. Targeted Investments- The COT in conjunction with several community stakeholders are working on comprehensive redevelopment and neighborhood plans in neighborhoods across the City. The COT is planning to use the Neighborhood Revitalization Strategy Area (NRSA) tool under the CDBG regulations at 24 CFR 91.215(g) to designate two or three areas to focus its CDBG funding and leverage other public and private sector funding and partnerships to carry out comprehensive community development. These areas currently have community revitalization plans which will be a starting point for the NRSA strategies. Selection criteria has been developed and a public consultation process will be used along with consultation with the HUD field office to select the NRSAs boundaries within these areas that meet the NRSA criteria. The COT will submit an NRSA application as a substantial amendment to the Consolidated Plan. The proposed geographic areas are as follows: Junction/Englewood – The area is bounded by contiguous sections of the Junction and Englewood neighborhoods. The boundaries include Census Tracts 2600, 3300, and 3600.Old South End – The area is bounded by an interstate and a major urban thoroughfare through the neighborhood. It is located between the Downtown Central Business District and other recreational facilities. A commercial corridor runs through the community and connects to downtown. The boundaries include Census Tracts 4200, 5400, and 0300.East Toledo - Area includes Garfield Heights neighborhood, Marina District, Main-Starr Business District, and International Park and has two main commercial corridor/business districts. The boundaries include Census Tracts 4701, 4702, 4800, 4900, 5000, and 5100.
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Geographic Distribution
Target Area Percentage of Funds Junction/Englewood 6 Old South End 1 Garfield /Starr/ Raymer 1 Table 59 - Geographic Distribution
Rationale for the priorities for allocating investments geographically
National economic conditions continue to affect the revitalization and stabilization of Toledo neighborhoods. Investment will be prioritized to benefit low- and moderate-income individuals, including minorities, seniors, and persons with disabilities. Issues such as an older housing stock, an increase in vacant and deteriorated properties that contribute to blight, and lack of economic development opportunities are negatively impacting once thriving neighborhoods.
There is growing energy and excitement around targeting and collaborating among community partners. Local stakeholders such as the Toledo Land Bank, Local Initiatives Support Corporation (LISC), the local Housing authority, ProMedica, a health care institution, and community reinvestment Act (CRA) motivated financial institutions are interested in partnering with the City on a comprehensive investment strategy in several neighborhoods. This presents an opportunity to leverage CDBG dollars with these sources. A NRSA strategy has proven in many entitlement jurisdictions to be a tool for greater impact using CDBG dollars. The COT has over $4.6 million in CDBG carryover funding of which $1.5 million will be invested in the three targeted areas during FY 2020-2021.
The City, in adherence to HUD regulations, will allocate at least 70% of its 2015-2019 CDBG entitlement award to programs and activities that directly benefit low- to moderate-income individuals.
Discussion
Many cities are using sophisticated strategies such as neighborhood investment funds to attract loan capital and philanthropic capital to co-invest in a targeted manner. Such investment funds may use government funds, low-interest loans, foundation investments to lower the cost of capital for affordable housing and commercial development while providing grants to build capacity. Banks and anchor institutions such as medical facilities and universities are co-investing due to the nexus between CRA motivated requirements and community benefit requirements. In developing the NRSA strategy, the COT plans to pursue a citizen participation process to select the NRSA areas and develop the improvement strategies. The COT has started the citizen participation process for the NRSA by educating the public on the NRSA requirements and requesting input during the Consolidated Planning process through several public meetings, consultations, focus groups, and public hearings.
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Affordable Housing
AP-55 Affordable Housing – 91.220(g) Introduction
The City of Toledo provides affordable housing opportunities through various means, including the use of CDBG, HOME, and ESG funds. The City will use funds to support affordable housing through rental and security deposit assistance, supportive services, construction of new units, acquisition and rehabilitation of existing units, owner-occupied home repair, permanent housing, and emergency shelter. Based on the federal funding for FY 2020, the COT will provide affordable housing for 858 low-to moderate-income homeless, non-homeless, and special needs households. Specific one-year affordable housing goals are included which will address the City’s fair housing goals identified in the Analysis of Impediments to Fair Housing Choice (AI). The fair housing goals and related affordable housing goals are detailed below.
• Fair housing goal- coordinate with partners and other local government entities to create affordable housing – The COT has allocated funding and plan to leverage other funding to build permanent support housing and rental housing to promote fair housing. • Fair housing goal - Coordinate with stakeholders to move forward with a Housing First Initiative – A Housing First Initiative is starting in the Toledo area and the City projects to support the Initiative.
One Year Goals for the Number of Households to be Supported Homeless 238 Non-Homeless 492 Special-Needs 128 Total 858 Table 60 - One Year Goals for Affordable Housing by Support Requirement
One Year Goals for the Number of Households Supported Through Rental Assistance 140 The Production of New Units 15 Rehab of Existing Units 552 Acquisition of Existing Units 33 Total 740 Table 61 - One Year Goals for Affordable Housing by Support Type
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Discussion
The Homeless goal was designated by the Toledo Lucas County Homelessness Board (TLCHB). The Non- Homeless goal refers to public service that does not assist homeless individuals and represents funding provided through HOME and CDBG for rehabilitation and reconstruction of housing units, tenant-based rental assistance, and security deposit assistance. The City will also convert NSP program income and carry over funding to CDBG uses to provide 80 units of affordable housing. Housing First is a human service programs and social policy approach for homeless prevention that focuses more on moving homeless individuals or households directly from homelessness to permanent housing. This approach is an alternative to emergency shelter/transitional housing that moves clients through to "independent housing.”
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AP-60 Public Housing – 91.220(h) Introduction
The Lucas Metropolitan Housing Authority (LMHA) was established in 1933 to provide affordable housing to adults, seniors and children in Public Housing, Housing Choice Voucher, Mixed-Income, and market rate housing units. LMHA also provides programs and opportunities designed to improve the quality of life for residents, with the goal of achieving self-sufficiency. The current housing portfolio consists of 2,633 Public Housing units; 4,657 Housing Choice Vouchers; 322 Low-Income Housing Tax Credit units; 198 Market Rate units; and 107 Homeownership Properties. There are approximately 17,500 people who reside in LMHA properties.
Actions planned during the next year to address the needs to public housing
In the Program Year 2020-2021 (July 1, 2020 – June 30, 2021), LMHA plans to do the following:
• Expand the supply of assisted housing the next phase of Collingwood Green to be completed. • Increase assisted housing choices by conducting outreach to potential voucher landlords through landlord symposiums and other outreach and educational efforts. • Acquire and build more affordable housing that includes conventional and special needs housing. • Provide an improved living environment by contracting with law enforcement and expanding in- house Security team to monitor properties and conduct capital improvements on properties. • Promote Self-Sufficiency and Asset Development of assisted households by establishing working relationships with various agencies to help meet resident needs. • Ensure equal opportunity and affirmatively furthering fair housing. • Implement a shorter look back period for criminal history for more housing choices. • Further strengthen the Toledo Lucas County Homeless Board relationship with LMHA. • Continue the homeless preference processes to ensure access to permanent housing for homeless individuals/families. • Continue serving as one of the three lead agencies along with Toledo-Lucas County Homelessness Board and the Mental Health and Recovery Services Board of Lucas County for the Housing First model to help the chronically homeless. • Continue to serve as the United Way’s Collaborative Impact lead agency for Shelter/Housing Stability which creates community conversations around best practices, partnerships, and data. • Continue the Home to Stay program to provide rental payment assistance and eviction prevention assistance to homeless or at risk of homelessness through Lucas County Job and Family Services. • Continue training and developing the newly elected Central Resident Advisory Board (C-RAB) who’s responsibilities include advocating for and being the representative voice of LMHA residents. • Continue the HUD funded Jobs Plus program which is exclusive to residents of Birmingham Terrace and Ravine Park. This is a four-year grant that launched in 2019. • Work to demolish or dispose of LMHA properties to remove blight from neighborhoods, decrease
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unsightliness, decrease crime, and meet the HUD mandate of providing safe, clean housing. • Expand Connect Homes USA to the next phase, which has the goal to close the digital divide. • Continue working relationships with The NetWORK/Zepf, Toledo Public Schools and Toledo-Lucas County Public Library that will help meet the needs of LMHA residents. • These relationships will be further developed for the purposes of increasing youth and adult literacy; improving the academic rankings of students who are behind; and provide adult training to residents to increase earning potential and asset accumulation. Toledo-Lucas County Public Library will continue to provide on-site trainings to residents and will be a part of 2020 census count. • LMHA is also the sub-recipient of the Health Profession Opportunity Grant (HPOG) through NetWORK/Zepf, which provides funding for training, education, work supports, and success coaching for program participants to enroll in targeted training in high demand occupations in the healthcare industry. The grant ends in PY 2020-2021.
Actions to encourage public housing residents to become more involved in management and participate in homeownership
The LMHA will use the following strategies to facilitate resident participation in management and promote homeownership opportunities.:
• Collaborate with the Housing Choice Voucher Program on homeownership strategies for FSS Program (Family Self Sufficiency) population • Mobilize the Program Coordinating Council (PCC) community partners towards goal of a tailored service and program delivery approach to further streamline and simplify access to Residents in the FSS program. • Refine marketing strategy for FSS participants to illuminate homeownership components of the programming. • Continue partnership with Northwest Ohio Housing Development Agency (NOHDA) with satellite office at LMHA. • Inform residents and community of the affordable homes available for purchase through LMHA. • Train and develop the Central Resident Advisory Board (C-RAB) in understanding the duties and obligations of housing authorities.
If the PHA is designated as troubled, describe the manner in which financial assistance will be provided or other assistance
Not applicable. The PHA is not designated as troubled.
Discussion
The LMHA has expanded its role as affordable housing developer in the City of Toledo using successful 274
collaboration with numerous community partners such as Lucas County Land Bank, the City of Toledo, Toledo Local Initiatives Support Corporation (LISC) and Neighborhood Housing Services. The LMHA has been part of collaborative that is trying to preserve over 700 expiring low-income housing tax credit single family rentals and converting them to homeownership using a variety of financing tools. The LMHA serves a wide range of income groups and develops housing that contributes to neighborhood redevelopment and not just the needs of individual families while leveraging public housing resources with City resources and private capital.
The LMHA plans to increase the Family Self Sufficiency (FSS) program and Section 3 participation to encourage job readiness, training, and retention services. FSS will aggressively market program benefits to public housing residents including increasing family wealth. The marketing will be multi-pronged approach to include collateral for distribution and attending resident meetings to promote the program. The LMHA will also seek additional service providers to provide job readiness and training services for LMHA residents, as well as expand workforce development services on-site to LMHA residents through Jobs Plus.
Despite LMHA’s efforts, along with its community partners, at addressing affordable housing, the need in Lucas County is at crisis levels. Solutions such as the recent opening of Collingwood Green Phase III has been overshadowed by the LMHA’s need to close its Public Housing Waiting List for all bedroom sizes and locations in February 2020 because of lack of properties.
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AP-65 Homeless and Other Special Needs Activities – 91.220(i) Introduction
The Toledo Lucas County Homelessness Board (TLCHB), in partnership with the Continuum of Care (CoC) partners including the City of Toledo, continues to coordinate local efforts to reduce and end homelessness. In 2019, TLCHB entered a new organizational partnership with the regional housing authority, Lucas Metropolitan Housing Authority (LMHA), to achieve this mission more effectively in our community.
TLCHB’s new partnership with LMHA has already resulted in innovations in local homelessness service delivery including the 2019 launch of the CoC’s Housing First model, which transitions the CoC to a unified and comprehensive homelessness services delivery system. In 2020, TLCHB and partners will be formalizing the system-wide model’s processes and systems.
In addition, TLCHB and CoC partners have launched a broader and more inclusive Community Advisory Council (CAC) to replace the previous Housing Collaborative Network (HCN). The CAC includes HCN members (traditional homeless and housing service providers) and also includes additional community partners from other provider systems that impact and serve homeless individuals including United Way of Great Toledo’s 2-1-1 center, local schools, mental health and recovery services board, children services, medical providers, workforce providers, and financial health providers, among others. TLCHB and CoC partners will continue to broaden the CAC, deepen its work, and formalize its processes and outreach in 2020.
The TLCHB and partners continue to utilize the Coordinated Entry (CE) data to measure progress towards ending homelessness. In addition, TLCHB and partners continue to utilize specialized case management and community outreach services for unsheltered homeless individuals through Neighborhood Properties, Inc. (NPI)’s Projects for Assistance in Transition from Homelessness (PATH) program.
The TLCHB and partners will be utilizing these new and existing structures to successfully implement this Action Plan’s goals for homeless individuals and for other special needs activities.
Describe the jurisdictions one-year goals and actions for reducing and ending homelessness including
Reaching out to homeless persons (especially unsheltered persons) and assessing their individual needs
Community outreach to homeless persons includes utilizing the Continuum of Care (CoC), its partners, and specialized case management services through Neighborhood Properties, Inc. (NP)’s Projects for Assistance in Transition from Homelessness (PATH) program for unsheltered and chronically homeless
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individuals.
TLCHB and its CoC and CAC partners will coordinate community outreach activities to homeless individuals among various sectors, including education, mental health and addiction, health, criminal justice and corrections, social services, housing, workforce, and financial health. Specialized attention will include coordinating directly with United Way of Greater Toledo’s 2-1-1 center.
In addition, specialized case management services through the PATH program will be utilized for unsheltered and chronically homeless individuals. PATH’s Community Outreach Specialists are trained to identify and engage unsheltered and chronically homeless individuals and connect them to needed services and Coordinated Entry for housing options. The PATH program provides intensive client-based specialized case management services that leads to improved outcomes for this population.
Addressing the emergency shelter and transitional housing needs of homeless persons
TLCHB and its CoC partners, utilizing the unified and comprehensive homelessness services delivery system-wide model of Housing First, will increase coordination and access to emergency shelter and transition housing services for homeless individuals. With this transition in service delivery, processes and systems will be streamlined, gaps will be addressed, and connections deepened, which will better serve those experiencing homelessness and support meeting this goal.
Helping homeless persons (especially chronically homeless individuals and families, families with children, veterans and their families, and unaccompanied youth) make the transition to permanent housing and independent living, including shortening the period of time that individuals and families experience homelessness, facilitating access for homeless individuals and families to affordable housing units, and preventing individuals and families who were recently homeless from becoming homeless again
The TLCHB’s new organizational partnership with LMHA, the utilization of the unified and comprehensive services delivery system-wide model of Housing First, and the continued use of the evidence-based tool Service Prioritization Decision Assistance Tool (SPDAT) will support implementation of this goal. Special assistance will be provided by TLCHB and CoC partners for chronically homeless individuals and families, families with children, veterans and their families, and unaccompanied youth. This process, including both the usage of the SPDAT tool and case conferencing will be utilized by TLCHB and CoC partners to shorten the period individuals and families experience homelessness and get sheltered or in housing options.
The SPDAT program allows for coordinated assessment for prioritization and placement of clients in appropriate housing programs. This tool provides our community a comprehensive method to assist homeless individuals and families for shelter placement and permanent housing referrals and placements. SPDAT is reviewed annually and updated ongoing by OrgCode Consulting, Inc. This continuous review will provide TLCHB and the CoC partners with the latest and most accurate approach to assessing homeless
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individuals and families based on their individualized needs.
Coordination of access to affordable housing will be increased with the new organizational partnership with LMHA. This partnership with LMHA will increase access to affordable housing programs and address evictions as an entry point for homelessness for individuals and families. TLCHB also has a formal partnership with The Fair Housing Center, which is also partnering on addressing evictions by creating a Landlord-Tenant Mediation program to minimize and mitigate potential evictions within the system.
Homeless individuals and families in re-housing programs are also connected to financial health and workforce development programs, education, social services, health, and mental health and addiction services and other programs based on individualized needs. Additionally, through the Housing First process, case managers will be assigned to individuals to support them after moving into new housing. They will provide access to mental health support services, physical health support services, furniture, other necessities, and payee services to prevent reentry into homelessness.
Helping low-income individuals and families avoid becoming homeless, especially extremely low-income individuals and families and those who are: being discharged from publicly funded institutions and systems of care (such as health care facilities, mental health facilities, foster care and other youth facilities, and corrections programs and institutions); or, receiving assistance from public or private agencies that address housing, health, social services, employment, education, or youth needs
TLCHB and its CoC partners will also utilize the unified and comprehensive homelessness services delivery system-wide model of Housing First to achieve this goal, as well as the new partnership with LMHA. Further, the broadening of the CoC continuum to include the more cross-sector and inclusive Community Advisory Council (CAC), connecting non-homeless and housing sectors more deeply to the CoC, will assist in achieving this goal. TLCHB’s partnership with United Way of Greater Toledo’s 2-1-1 Center will support this goal.
Special assistance for this goal will be paid to extremely low-income individuals and families, to those receiving assistance from CoC partners including the CAC, and to individuals being discharged from publicly funded institutions and systems of care. These publicly funded institutions and systems of care include health care facilities, mental health facilities, foster care and other youth facilities, and corrections programs and institutions.
Discussion
In the last year, TLCHB and the CoC has undergone several instrumental and innovative organizational and system delivery changes, including Housing First, that will achieve improved outcomes for homelessness in our community, including towards the above-cited goals. In addition, Housing First and a broader Community Advisory Council (CAC) to our CoC will increase prevention for homelessness and for reentry 278
for homeless individuals and families. 2020 will be focused on formalizing new processes towards Housing First, continuing to expand and deepen partnerships, and updating key performance indicators to further drive and predict trends to better service this population. These goals are achievable in 2020 and we look forward to improving outcomes for homeless individuals and families, or those at-risk of becoming homeless, in the coming year.
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AP-75 Barriers to affordable housing – 91.220(j) Introduction:
Jurisdictions that receive federal dollars, directly or indirectly, are required by the Department of Housing and Urban Development to complete an Analysis of Impediments to Fair Housing Choice (AI) as part of the jurisdictions’ certification of affirmatively furthering fair housing. The AI process is prescribed and monitored by the federal Department of Housing and Urban Development and the State of Ohio’s Department of Development. Specifically, to receive HUD Community Planning and Development formula grants, a jurisdiction must (i) certify its commitment to actively further fair housing choice; (ii) maintain fair housing records; and (iii) conduct an Analysis of Impediments to Fair Housing Choice.
An AI is a comprehensive review of barriers that inhibit residents from acquiring the housing of their choice based on federal, state, and local characteristics: race, color, national origin, religion, sex, familial status, disability, military status, and sexual orientation. The examination looks at issues in our community through a fair housing lens, including: community characteristics and demographics; income and poverty; transportation; employment; and public and private policies that impact protected groups and vulnerable populations, such as zoning, code enforcement, and real estate practices, among others.
The Fair Housing Center recently conducted an Analysis of Impediments to identify the fair housing barriers that will be addressed from 2020-2025. Emerging, persisting, and worsening impediments discussed in this document include the continuing effects of redlining and other forms of systemic discrimination; the indicators of low opportunity and health risks in neighborhoods of color; and the corresponding lack of housing mobility among occupants in neighborhoods of color. Other significant housing concerns are also illustrated, such as lead hazards; barriers faced by persons reentering the community after incarceration; and the emerging issue of discrimination based on source of income. The text also calls for affirmative programming and counseling to improve and inform housing choice and highlights the need for legislative changes to ensure the effectiveness of this programming.
The AI is used as a catalyst for the City to develop and implement a Fair Housing Action Plan. The Fair Housing Action Plan will identify strategies that will be implemented in order to curtail and/or eliminate the impediments identified in the Analysis. The Analysis drives the Fair Housing Action Plan, which is the guiding document outlining the concrete steps that the City and its partners will take to address the impediments.
Actions it planned to remove or ameliorate the negative effects of public policies that serve as barriers to affordable housing such as land use controls, tax policies affecting land, zoning ordinances, building codes, fees and charges, growth limitations, and policies affecting the return on residential investment
Consistent with HUD’s guidelines, the following action plan along with responsible agencies will help guide 280
the City of Toledo to address the identified local impediments to fair housing.
Criminal History Screening
• Adopt local policies such as “ban the box” to address discrimination based on criminal history screening - City of Toledo, The Toledo Fair Housing Center (TFHC) • Set aside affordable housing opportunities, both vouchers and hard units for reentry population - LMHA and other subsidized housing providers • Encourage or require housing providers to comply with HUD’s guidance on criminal history screening - City and the TFHC
Homeownership: Lending and Insurance
• Encourage lenders to provide appropriate credit opportunities in minority and low-income neighborhoods - The TFHC with support from the City • Address insurance discrimination issues - The TFHC with support from the City • Coordinate with local banks to create a loan product to address credit needs in low-income and minority neighborhoods. Examples of this work are available in the Detroit area. - The TFHC with support from the City
Accessibility for Persons with Disabilities
• Enforce current visitability and accessibility rules - City and the TFHC • Encourage developers to increase accessibility whenever they benefit from public funds or tax incentives - City of Toledo
Source of Income Discrimination - Enact source of income protections like those currently in committee before city council and coordinate with LMHA and landlords to address issues with vouchers – City and LMHA
Enforce fair housing protections - Conduct intakes and investigations in response to allegations of housing discrimination and address violations of the FHA by filing complaints and/or lawsuits where appropriate - The TFHC with support from the City.
Increase awareness of fair housing rights and responsibilities:
• Engage in education and outreach activities including conducting trainings and presentations, placing advertisements, distributing educational materials, participating in outreach events, and posting content on social media - The TFHC with support from the City
Voucher Mobility: - LMHA should adopt policies and practices consistent with the Poverty Race Research
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Action Council’s recommendations -LMHA
Land Use and Zoning: Adopt changes to policies and practices to address the identified impediments - The City with support from the TFHC
Homelessness and affordable housing: Coordinate with partners and other local government entities to create affordable housing opportunities and move forward with the Housing First initiative - The City of Toledo
Housing Conditions: Adopt changes to policies and practices to address the identified impediments - The City of Toledo with support from the TFHC and other community partners
Public transportation: Lead efforts to adopt and expand county-wide transportation services - The City of Toledo with support from other local governments and other agencies
Impediments in Rental Housing
• Address the eviction crisis in Toledo • Adopt changes to policies and practices to address the identified impediments - The City of Toledo with support from other local governments and other agencies
Discussion:
Homelessness disparately impacts minority residents. However, opportunities are available to build new affordable housing to reduce homelessness as an impediment to Fair Housing.
• Directing more discretionary resources toward affordable housing
Discretionary funding sources, such as HOME and CDBG, should be evaluated to determine if a larger portion of those funds can be directed toward the development of affordable housing in the Toledo area.
Development of new housing resources must be cognizant of whether the location of the development will truly provide for access to transportation and other resources necessary to help the residents succeed.
• Supporting the new Housing First “No Barriers Housing” Initiative
A Housing First initiative is moving forward in the Toledo area. Public policy and available public resources should be directed to support this effort
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AP-85 Other Actions – 91.220(k) Introduction:
The City of Toledo is committed to meeting the needs of the underserved through program administration and in collaboration with its community partners.
The City continually seeks opportunities to develop partnerships that involve all sectors of the community. The DON, through mandatory quarterly trainings offered to CDBG and ESG-funded agencies, expands knowledge of community agencies and resources. Additionally, speakers from local organizations are invited to share their expertise and experiences with the City's partners. The objective being to foster networking and information sharing to ensure better coordination of community services and efforts.
Actions planned to address obstacles to meeting underserved needs
Partnering with The Fair Housing Center (TFHC), a 2020 Analysis of Impediments (AI) was recently completed. The AI includes action steps for the removal of fair housing obstacles in its Fair Housing Plan. The COT and TFHC will collaborate in the implementation of the action steps outlined in the Fair Housing Plan, in collaboration with community partners.
Actions planned to foster and maintain affordable housing
The COT will use various initiatives, as well as HOME funds and CDBG funds, to maintain and foster affordable housing. The goals identified in the Strategic Plan and the Action Plan include the construction and acquisition of affordable homes, rehabilitation of existing housing stock, home buyer assistance, home repair programs for elderly and disabled, and housing services for non-homeless special needs populations. The goals of the Annual Action Plan also included funding to increase the capacity of local non-profit community development corporations to develop affordable housing and/or attract larger for- profit developers to develop low-income housing tax credit rental units. The COT will work with partners and policy makers to increase rental housing through special set aside of tax credits for the Toledo market. The COT is also a part of the Year 16 Initiative which is seeking to preserve the affordability of over 700 single family low-income housing tax credit financed units working along with local PHA, lenders, and intermediaries. were The COT plans to work with a local university to determine the level of foreclosures including foreclosed homes and those at risk of foreclosure. The data will be used to determine the need for a foreclosure counseling program during the Consolidated Plan period.
Actions planned to reduce lead-based paint hazards
The City of Toledo (COT) continues its commitment to providing lead-safe, decent, safe, and sanitary housing for eligible families. This effort uses a highly coordinated network consisting of private health officials, community development corporations, local public housing authority, social service agencies, and other city departments. The effort targets central city neighborhoods where low-income families occupy approximately two of every three residential units and the concentration of pre- 1978 structures
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containing lead paint is estimated to exceed 80 percent.
The Department of Neighborhoods (DON) continues to administer a Lead-Based Paint Hazard Control Grant program received from the HUD Office of Lead Hazard Control and Healthy Homes (OLHCHH). The $2.9 million grant is utilized to provide financial assistance to property owners to help control lead paint hazards in both owner-occupied and rental residential units within the city of Toledo. The initial three- year period of performance for the grant began 01/02/2018 and runs through 01/01/2021.
Over the three-year grant period, the DON has proposed to complete 240 Lead Inspection Risk Assessments and make 160 residential units in the City of Toledo lead safe. The DON has benchmarked the completion of 12 Lead Inspection Risk Assessments and 34 lead safe residential units through the grant during the period of 7/1/2020 – 6/30/2021.
Lead-based paint hazard control methods include the utilization of low-level interventions, interim controls, and partial/component abatement. Abatement is the DON’s preferred method in addressing paint surfaces. The program does not perform full abatement but rather the replacement of specific components and systems. Units are made lead-safe but not lead free.
In addition to the efforts of the DON to reduce lead-based paint hazards, the COT passed a Lead-Safe Ordinance in November 2019. Under this Ordinance, all rental structures and family childcare homes built prior to 1978 are to undergo a lead clearance through an inspection which includes a visual and dust-wipe inspection and register as a rental property. As written, the ordinance will enact a three-year compliance phase based on a three-tier ranking of Toledo's census tracts starting with the areas of greatest danger of lead exposure to children with the first compliance deadline of June 30, 2020. The ordinance activities will also generate a lead-safe unit registry to be developed and maintained in conjunction with the Lucas County Regional Health District.
Actions planned to reduce the number of poverty-level families
The 2019 Ohio Poverty Report found a poverty rate of 19.7% in Lucas County and 26.5% in Toledo. The goals of the Consolidated Plan and this Action Plan are aimed at reducing the number of poverty-level families in Toledo. The Department of Neighborhoods engages in housing and community development programs that assist families living at the poverty level. Housing programs are planned for a positive overall effect on households in the following areas: economic development; family stabilization; health improvement; homeownership; and community growth.
Actions planned to develop institutional structure
The Department of Neighborhoods manages all aspects of the HUD grant programs and recognizes the need to maintain a high level of coordination on projects involving other City departments and/or organizations. This collaboration assures an efficient use of resources and optimal accomplishments. The
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COT will continue to coordinate efforts with partners, including:
• Toledo/Lucas County Homelessness Board (TLCHB) • Lucas County Plan Commission • United Way of Greater Toledo • Lucas Metropolitan Housing Authority (LMHA) • Mental Health and Recovery Services Board of Lucas County • Lucas County Board of Developmental Disabilities • Ohio Means Jobs/Lucas County • Lucas County Land Bank • Toledo Lucas County Health Department • Toledo Lucas County Port Authority
Each of the City of Toledo’s partners brings specialized service components and experience. A continued commitment to these partnerships and collaborations is critical in achieving the desired outcomes for the community. Many relationships exist consisting of the business community, faith-based organizations, public service entities, housing providers, foundations, and other community organizations that advocate on behalf of those in need. Increased communication with all community stakeholders will continue.
Actions planned to enhance coordination between public and private housing and social service agencies
The COT will continue to work with a broad cross-section of public, private, faith-based, and community organizations to identify the needs of its residents. By continuing to collaborate with the CoC and the community, the City will continue to streamline the actions of public service agencies to improve the lives of all persons in Toledo. These groups address a broad range of needs for families including homelessness, workforce development, community health.
Regarding public housing, LMHA enhances coordination between public and private housing with other social service agencies in several ways including a continued relationship with its Program Coordinating Council community partners and the Network/Zepf, Toledo Public Schools and Toledo-Lucas County Public Library. In addition, LMHA has partnered with Northwest Ohio Housing Development Agency (NOHDA) to provide onsite Homeownership services to LMHA participants and the larger community. Furthermore, LMHA, through key staff members, will also serve on various other committees throughout Toledo and surrounding areas, which ensures LMHA maintains the pulse of the activities in these areas.
Discussion:
No discussion
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Program Specific Requirements AP-90 Program Specific Requirements – 91.220(l) (1,2,4)
Introduction:
The COT uses CDBG and HOME funds in support for a variety of housing and community development needs and services. ESG is used for shelter operations, homelessness prevention, and rapid rehousing. This section shows information on program specific requirements for the Community Development Block Grant, HOME and Emergency Solutions Grant (ESG) programs.
Community Development Block Grant Program (CDBG) Reference 24 CFR 91.220(l)(1) Projects planned with all CDBG funds expected to be available during the year are identified in the Projects Table. The following identifies program income that is available for use that is included in projects to be carried out.
1. The total amount of program income that will have been received before the start of the next program year and that has not yet been reprogrammed 233,464 2. The amount of proceeds from section 108 loan guarantees that will be used during the year to address the priority needs and specific objectives identified in the grantee's strategic plan. 0 3. The amount of surplus funds from urban renewal settlements 0 4. The amount of any grant funds returned to the line of credit for which the planned use has not been included in a prior statement or plan 0 5. The amount of income from float-funded activities 0 Total Program Income: 233,464
Other CDBG Requirements
1. The amount of urgent need activities 0
2. The estimated percentage of CDBG funds that will be used for activities that benefit persons of low and moderate income. Overall Benefit - A consecutive period of one, two or three years may be used to determine that a minimum overall benefit of 70% of CDBG funds is used to benefit persons of low and moderate income. Specify the years covered that include this Annual Action Plan. 80.00%
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HOME Investment Partnership Program (HOME) Reference 24 CFR 91.220(l)(2) 1. A description of other forms of investment being used beyond those identified in Section 92.205 is as follows:
The COT does not utilize any other forms of investment other than those noted in CFR 92.205.
2. A description of the guidelines that will be used for resale or recapture of HOME funds when used for homebuyer activities as required in 92.254, is as follows:
Recapture Provision
The COT uses the Recapture Provision to ensure affordability for all homebuyer programs when a Direct Subsidy is provided to the homebuyer to purchase the property. A Direct Subsidy includes down payment and closing costs assistance and other assistance to the homebuyer that reduced the purchase price from the fair market value to an affordable price.
If the homebuyer decides to sell the house within the affordability period, based upon the Direct Subsidy provided to the homebuyer, the City will recapture the Direct Subsidy based on the prorated recapture formula below. However, the amount recaptured by the City cannot exceed what is available from net proceeds. Net proceeds are defined as the sales price minus superior loan repayments (other than HOME funds) and any closing costs.
NOTE: Development Gap subsidies (i.e., the difference between the cost of producing the unit and the fair market value of the unit) are not subject to recapture as the homebuyer does not realize a direct benefit from these funds.
Resale Provision
For properties that receive HOME development subsidies only, and there is no Direct Assistance to the homebuyer, the resale requirements below will apply if the home is sold during the affordability period:
• The new purchaser must be low-income purchaser with household income at or below 80% AMI. • The new purchaser’s household income must be verified by the City of Toledo. • Income verification process and contact information included the Homebuyer Written Agreement. • The new purchaser must use the property as the family’s principal residence and agree to assume the remainder of the original affordability period. • The original homebuyer, now the home seller, must receive a “fair return” on their investment, as
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defined by the City. • Fair return will be measured by the percentage change in the Consumer Price Index (CPI) over the period of ownership. • The basis for calculating fair return will include a return on 1) the HOME-assisted buyer’s original investment, plus 2) capital improvements made by the original buyer based on the actual costs of the improvements as documented by the homeowner’s receipts. • These improvements will include window and roof replacements; electrical and plumbing systems upgrades; infrastructure improvements; kitchen and bathroom remodels; finishing of basement and energy efficient upgrades. • In some instances, it may be necessary for the City to provide HOME assistance to the subsequent purchaser to ensure that the original buyer receives a fair return and the unit is affordable to the low- income population, as defined. • The Homebuyer Agreement must also include a provision of first right of refusal for the City to purchase the affordable unit if an eligible buyer cannot be found in a reasonable time frame.
3. A description of the guidelines for resale or recapture that ensures the affordability of units acquired with HOME funds? See 24 CFR 92.254(a)(4) are as follows:
The City enforces the recapture provision with a Homebuyer Agreement and Restrictive Covenant recorded in the land records of the City of Toledo.
The City enforces the resale provision with a Homebuyer Agreement and Restrictive Covenant recorded in the land records of the City of Toledo.
Foreclosure
As provided in 24 CFR Part 92.254(a)(5)(i)(A), "affordability restrictions may terminate upon occurrence of any of the following termination events: foreclosure, transfer in lieu of foreclosure or assignment of an FHA insured mortgage to HUD. The City may use purchase options, rights of first refusal or other preemptive rights to purchase the housing before foreclosure to preserve affordability. The affordability restrictions shall be revived according to the original terms if, during the original affordability period, the owner of record before the termination event, obtains an ownership interest in the housing."
4. Plans for using HOME funds to refinance existing debt secured by multifamily housing that is rehabilitated with HOME funds along with a description of the refinancing guidelines required that
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will be used under 24 CFR 92.206(b), are as follows:
HOME funds will not be used to refinance existing debt secured by multifamily housing.
Emergency Solutions Grant (ESG) Reference 91.220(l)(4)
1. Include written standards for providing ESG assistance (may include as attachment)
ESG assistance is provided in accordance with the Homeless Emergency Assistance and Rapid Transition to Housing Act of 2009 (HEARTH Act). The “Act” improves administrative efficiencies and enhances response coordination and effectiveness in addressing the needs of homeless persons. Short- and medium-term rental assistance and services were added to re-house homeless persons more rapidly allowing for people to regain stability more quickly in permanent housing following a housing crisis and/or homelessness. The COT, working closely with its local partners, established the framework to maximize the coordination of a community-wide effort focused on improved planning and strategic usage of all available resources/programs targeted to help homeless persons.
Written standards are contained within the following seven documents which are incorporated by reference:
• Coordinated Entry Referral Process • Collaborative Governance of Coordinated Assessment • Centralized Approach to Coordinated Access/Entry • TLCHB Standards Compilation • Project Home Rapid Re-Housing Policy • Key Performance Indicators • Retention Policy
2. If the Continuum of Care has established centralized or coordinated assessment system that meets HUD requirements, describe that centralized or coordinated assessment system.
The TLCHB, the local CoC governance body, in collaboration with the COT DNBD and based on community support, adopted a centralized approach for coordinated entry in August 2012 as its comprehensive collaborative delivery system of all publicly funded homeless services.
Coordinated Entry (CE) implemented across the community with various functions staged at logical and physical points. United Way of Great Toledo’s 2-1-1 hosts the CE project, which is the coordinated entry point for all persons entering the homeless system. The CE performs both prevention and diversion, and when necessary refers to emergency shelters and/or outreach workers. It should be noted that emergency shelters do not turn away walk-ins or simply refer them to the CE but engage Consolidated Plan TOLEDO 289 OMB Control No: 2506-0117 (exp. 06/30/2018)
them in an initial screening to find a brief resolution (diversion) that does not result in emergency stay, if possible. If not exists, the shelter will provide accommodations to the household to connect to CE by phone and until subsequent next steps (which may or may not include assignment to the agency) are identified.
Emergency shelters, outreach workers, and other trained individuals are performing the Housing Assessment, which as of 2014 is the Service Prioritization Decision Assistance Tool (SPDAT). It helps identify which clients should receive what type of housing assistance intervention and assist in determining the intensity of case management services. The TLCHB upgraded to the newest updated version of SPDAT in 2017.
The SPDAT Score, along with case manager recommendations and other factors, will be taken into consideration when forwarded to the referral specialist, who is currently the Executive Director at TLCHB. The information is used to create a prioritization list, also called the community list, which is used to make referrals to Permanent Housing projects (Rapid Re-Housing and Permanent Supportive Housing).
Governance of our CE system has multiple facets. The “Coordinated Assessment Collaborative Governance Policy” outlines the procedural aspects of monitoring the CE system. The members of the Continuum of Care play an integral role in this process. Participation in the CoC via the Community Advisory Council is agreed to formal membership with all publicly funded organizations required to participate; we encourage and have cultivated a wide array of non-funded community members that participate as an elective. Assessment and assignment of Rapid Re-Housing stabilization services and short-term direct financial assistance were initiated through this approach as a direct result of the success of the Homeless Prevention and Rapid Re-Housing Program. Shelters, Rapid Re-Housing stabilization services and medium-term direct financial assistance joined in February 2013. Transitional and Permanent Supportive Housing were added in Spring 2013. Connecting households who are experiencing homelessness to a single, centralized point for Screening and Assessment/Assignment for Diversion, Homeless Prevention, and Re-Housing services were deemed the “best fit” for the Toledo community because of the results evidenced through the HPRP.
Through the Community Advisory Council, comprised of all funded homeless service providers and members of the TLCHB, United Way of Greater Toledo and the DNBD, as well as other community organizations with tangential goals and services, participants have the opportunity and responsibility to include the design and evaluation of CE and provide feedback on the cases being referred to them.
If for any reason a provider determines that a referred case is ineligible or inappropriate for their programs, CE and said provider work jointly to make a more appropriate referral. Due to local community needs and limited funding, the COT and the TLCHB do not fund Homeless Prevention activities currently.
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3. Identify the process for making sub-awards and describe how the ESG allocation available to private nonprofit organizations (including community and faith-based organizations).
The TLCHB, in partnership with the COT Department of Neighborhoods, established a timeline that includes the following:
• A Citizens Review Committee (CRC) comprised of community representatives is identified, recruited, trained, and engaged in determining application priorities, process, scoring, and selection. • A mandatory application training and distribution meeting that is widely publicized, including direct invitation to current grantees and providers within the Toledo Area Alliance to End Homelessness (TAAEH). • Completed applications are submitted in a timely fashion that are reviewed, ranked, and recommend (or not) for funding. • The TLCHB Board of Directors votes on funding recommendations to be submitted to the DNBD. • Recommendations are vetted and reviewed by the TLCHB and the DNBD for final selection and recommendations to the Mayor of Toledo and City Council.
4. If the jurisdiction is unable to meet the homeless participation requirement in 24 CFR 576.405(a), the jurisdiction must specify its plan for reaching out to and consulting with homeless or formerly homeless individuals in considering policies and funding decisions regarding facilities and services funded under ESG.
A written obligation within third-party contracts with TLCHB and the DNBD provides guidance to achieve this expectation and is monitored by both TLCHB and DNBD. TLCHB will meet this obligation either through board appointment from the COT or as an elected director. Recommendations and/or nominations from the constituency are preferred. The nature of TLCHB CoC/ESG planning oversight work gives ample opportunity to engage those experiencing homelessness and/or those who have recently experienced homelessness toward the end of involving them in decision-making processes, including serving on standing committees and focus groups. ESG-funded agencies are required to have a formerly homeless representative on their boards.
5. Describe performance standards for evaluating ESG.
The local CoC established revised performance standards for funded agencies in November 2016. Not all program types have recommended targets for each performance indicator. Some program types have recommended targets for special populations instead of, or in addition to, overall targets. This is in concert with HUD’s Interim Rule, which calls for “performance targets appropriate for population and program type.” Targets are segmented according to the National Alliance to End Homelessness Rapid Re-Housing Triage Tool, which rates three areas of barriers to gaining and obtaining housing. Recommended targets are listed by program type for each indicator in the Key Performance indicator list.
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The performance indicators are consistent regardless of funding sources. Standards established by the TLCHB for emergency shelter, transitional housing, homeless prevention, and rapid re-housing activities are applicable to evaluating ESG activities. (See attached 2017 Key Performance Indicators.)
In the Integrated Disbursement and Information System (IDIS), HUD’s reporting computerized system; the performance objectives and outcomes are already predetermined based on the activity type/category. Each category has subcategories in IDIS. The grantee may not choose their performance objectives and outcomes; applicable objectives and outcomes as established in IDIS are as follows:
The COT is not funding street outreach activities through its ESG funds. Please refer to AP-65 of this Action Plan for existing outreach and assessment activities in the COT.
Overall Benefit
The City of Toledo will ensure that at least 80% of CDBG funds will benefit low- and moderate-income households for one program year 2020-2021.
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Attachments
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Citizen Participation Comments
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Alternative Data – HIV/AIDS Cases
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Alternate/Local Data Sources – Vacant & Abandoned Units Suitable for Rehab
1 Data Source Name Vacant & Abandoned Units Suitable for Rehab List the name of the organization or individual who originated the data set. The City of Toledo's Code Enforcement Division provided the data. Provide a brief summary of the data set. The data identifies the number of vacant and abandoned housing units that are suitable and not suitable for rehabilitation based on the City's definition. Data is collected through inspections and code enforcement cases. What was the purpose for developing this data set? As part of its CDBG funded code enforcement activities and Consolidated Plan priority of improving neighborhood conditions, the division maintains this data. How comprehensive is the coverage of this administrative data? Is data collection concentrated in one geographic area or among a certain population? The data related to CDBG funded code enforcement is focused on primarily low- to moderate- income areas where at least 51% of households have incomes at or below 80 percent of the area median income (AMI). However, the data set represents the entire City. What time period (provide the year, and optionally month, or month and day) is covered by this data set? The data is for a period of 12 months What is the status of the data set (complete, in progress, or planned)? Ongoing.
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