Regional Section February 2012 BALTIMORE METRO AREA ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE 2. REGIONAL PROFILE ...................................................................... 4 I. Introduction ............................................................................................................... 4 II. Regional Overview .................................................................................................... 6 III. Demographic Profile ................................................................................................. 6 a. Population Trends ....................................................................................................... 6 b. Areas of Racial and Ethnic Minority Concentration ..................................................... 8 c. Residential Segregation Patterns ............................................................................... 9 d. Persons with Limited English Proficiency .................................................................. 10 IV. Economic Profile ..................................................................................................... 12 a. Race/Ethnicity and Income ....................................................................................... 12 b. Concentrations of LMI Persons ................................................................................. 14 c. Disability and Income ................................................................................................ 14 d. Familial Status and Income ....................................................................................... 16 e. Ancestry and Income ................................................................................................ 17 f. Protected Class Status and Unemployment ............................................................. 18 V. Housing Market Profile ............................................................................................ 19 a. Housing Inventory ..................................................................................................... 19 b. Types of Housing Units ............................................................................................. 20 c. Foreclosure Trends ................................................................................................... 21 d. Protected Class Status and Homeownership ............................................................ 22 e. The Tendency of the Protected Classes to Live in Larger Households .................... 23 f. Cost of Housing ........................................................................................................ 24 3. Regional Inventory of Public and Publicly Assisted Housing .................................... 29 4. Distribution of Section 8 Housing Choice Vouchers .................................................. 33 VI. Home Mortgage Financing ...................................................................................... 35 a. Mortgage Lending Practices ..................................................................................... 35 b. High-Cost Lending Practices .................................................................................... 40 VII. Regional Patterns in Fair Housing Complaints ....................................................... 42 a. Comparison of Classes Protected by Law ................................................................ 42 b. Trends in Fair Housing Complaints ........................................................................... 43 c. Hate Crimes .............................................................................................................. 45 8. REGIONAL CONSIDERATIONS ...................................................... 46 I. Regional Transportation Network ........................................................................... 46 II. Comparison of Jurisdictional Tax Profiles ............................................................... 50 III. Real Estate Advertising ........................................................................................... 56 IV. Regional Research and Publications Review ......................................................... 57 V. Intergovernmental Cooperation and Coordination .................................................. 65 VI. Fair Housing Advocacy Organizations .................................................................... 66 VII. State of Maryland Qualified Allocation Plan ............................................................ 68 9. REGIONAL IMPEDIMENTS TO FAIR HOUSING CHOICE ..................... 70 10. REGIONAL FAIR HOUSING ACTION PLAN ...................................... 74 11. SIGNATURE PAGE FOR PARTICIPATING JURISDICTIONS ................. 78 Appendix: Public Display Period, Public Hearing, Comments Received and Jurisdictions' Responses February 2012 Page i Index of Tables and Figures Figure 2-1 Population Trends, 1980-2008 ....................................................................................... 7 Figure 2-2 Population Trends, 1980-2008 ....................................................................................... 7 Figure 2-3 Population Trends by Race, 1990-2008 ......................................................................... 8 Figure 2-4 Areas of Concentration by Municipality, 2009 ................................................................ 9 Figure 2-5 Maryland Municipal Dissimilarity Index Rankings, 2000 ............................................... 10 Figure 2-6 Persons with LEP by Municipality, 2008 ....................................................................... 11 Figure 2-7 Language Spoken at Home by Ability to Speak English, 2008 .................................... 11 Figure 2-8 Median Household Income and Poverty Rates by Race/Ethnicity, 2008 ..................... 12 Figure 2-9 Household Income Distribution by Race, 2008 ............................................................. 13 Figure 2-10 Household Income Distribution by Race, 2008........................................................... 13 Figure 2-11 Low and Moderate Income Persons, 2009 ................................................................. 14 Figure 2-12 Persons with Disabilities, 2000 ................................................................................... 15 Figure 2-13 Poverty Rates by Disability, 2000 ............................................................................... 15 Figure 2-14 Female-Headed Households with Children, 1990-2008 ............................................. 16 Figure 2-15 Foreign-Born Residents, 2008 .................................................................................... 17 Figure 2-16 Families with Children with Incomes less than 200% Poverty, 2008.......................... 18 Figure 2-17 Civilian Labor Force, 2008 .......................................................................................... 18 Figure 2-18 Trends in Total Housing Units, 1990-2009 ................................................................. 20 Figure 2-19 Trends in Housing Units in Structures, 2000 .............................................................. 20 Figure 2-20 Estimated Residential Foreclosure Rankings, January 2007 – June 2008 ................ 21 Figure 2-21 Home Ownership by Race and Ethnicity of Householder, 2000 ................................. 22 Figure 2-22 Families with Three or More Persons, 2000 ............................................................... 23 Figure 2-23 Housing Units by Number of Bedrooms, 2000 ........................................................... 24 Figure 2-24 Trends in Housing Value, Rent and Income, 1990-2008* .......................................... 25 Figure 2-25 Loss of Affordable Rental Housing Units, 2000-2008 ................................................. 25 Figure 2-26 Housing Market Sales Trends, 2006-2010 ................................................................. 27 Figure 2-27 Housing Market Sales Trends, 2006-2010 ................................................................. 27 Figure 2-28 Number of Housing Units Sold by Price, 2009 ........................................................... 28 Figure 2-29 Greater Baltimore Region Public Housing Waiting Lists, 2010 .................................. 30 Figure 2-30 Subsidized Housing by Type, 2000 and 2008 ............................................................ 31 Figure 2-31 Distribution of Region’s Subsidized Private Housing by Jurisdiction, 2008 ................ 31 Figure 2-32 Greater Baltimore Region Section 8 HCV Waiting Lists, 2010 ................................... 33 Figure 2-33 Summary Report Based on Action Taken Mortgage Data, 2006-2008 ...................... 36 Figure 2-34 Summary Report Based on Action Taken Mortgage Data, 2008 ............................... 37 Figure 2-35 Denials by Race and Ethnicity, 2007-2008 ................................................................. 38 Figure 2-36 Denials by Income, 2008 ............................................................................................ 38 Figure 2-37 Denials by Race for Lower Income Applicants, 2008 ................................................. 39 Figure 2-38 Denials by Race for Upper Income Applicants, 2008 ................................................. 39 Figure 2-39 High-Cost Lending by Race/Ethnicity and Income, 2006-2008 .................................. 41 Figure 2-40 Comparison of Classes Protected by Federal,