NIFA Housing Resources

Jamie Bright Author

09/25/2024 Added

7 Plays

Description

David Young gave us an interesting, data-filled presentation on the state of housing in Nebraska and shared a preview of the Housing Toolkit that the Nebraska Strategic Housing Council is putting together. You can find NIFA’s housing resources here (the toolkit will be posted when it is complete later this year): https://www.nifa.org/housing-framework. The council is also looking for more people to be involved – they have 4 different working groups that you can join – Financial Support & Incentives for Development, Education & Policy, Safety Net & Special Populations, and Workforce & Community Capacity. Recorded 6/12/2024.

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[00:00:00.000]Hi, Maria. How are you?
[00:00:02.740]Hi, good morning. My name is Maria Hines, and I am with Roper Spade in Nebraska.
[00:00:09.080]So I don't know if, yeah, okay. Nice to meet you, David.
[00:00:13.520]Nice to meet you as well.
[00:00:15.900]Yeah, Maria is one of my colleagues.
[00:00:18.260]Ah, perfect, perfect.
[00:00:20.320]Where are you at, David?
[00:00:23.840]Lincoln, Nebraska.
[00:00:25.400]Lincoln, okay.
[00:00:27.200]I live in a little town called Walton, which is right outside of Lincoln, but NYFA's office is in Lincoln.
[00:00:33.620]So, you said Wahoo? No.
[00:00:36.760]Walton.
[00:00:37.620]Walton, okay. Oh, I like the Waltons.
[00:00:41.160]Good night, Bob. What was the name of that young boy? Right?
[00:00:46.620]Oh, I'm sorry, you are too young for me.
[00:00:49.300]Okay, the Walton, the TV show.
[00:00:52.960]They had a big, like, at the end.
[00:00:57.140]Of each episode, they will say, you know, they will like picture, not pictures, but the lights were going, turning off on each room and they say, good night, John boy.
[00:01:07.380]Good night, dad. And every light was turning. Okay, I'm sorry.
[00:01:12.080]Good to meet you, Maria.
[00:01:19.680]Nice to meet you, too.
[00:01:23.040]We might as well start introductions.
[00:01:26.740]I just want to say good morning, everyone.
[00:01:30.680]I am just back from maternity leave.
[00:01:33.740]I came back last week part time and this week I'm back to full time.
[00:01:38.360]I am Jamie Bright. I'm the Rural Prosperity Nebraska Educator in the Southern Panhandle located in the Sydney office.
[00:01:46.060]And I usually run these rural rendezvous webinars.
[00:01:50.900]Unless I'm out and some of my coworkers take over.
[00:01:54.280]But we will go.
[00:01:56.720]I'm going to go around the room before I introduce David.
[00:01:58.840]Maria already introduced herself. Thank you, Maria.
[00:02:02.080]Cheryl, are you able to introduce yourself?
[00:02:05.080]Cheryl Hyatt, Nebraska Department of Economic Development.
[00:02:09.020]North Central part of the state.
[00:02:11.940]I'm Jodi.
[00:02:16.920]Hi, I'm Jodi Llewellyn. I'm the Executive Director for the Scottsdale-Ferrin United Chamber of Commerce.
[00:02:24.320]Thanks, Jodi.
[00:02:26.460]Cassie, can you unmute? I saw you introduced yourself in the chat.
[00:02:31.560]Is it working?
[00:02:32.700]Yep.
[00:02:33.420]Okay, nice. Hi, I'm the new Executive Director for the Alliance Chamber. I'm not sure why my headset is not working, but I'm happy to be here.
[00:02:42.640]And can you pronounce your name so I know it in the future?
[00:02:46.900]It's Casseline Van Carebrook.
[00:02:49.440]Casseline Van Carebrook. Thank you.
[00:02:52.260]Of course.
[00:02:53.360]Allie?
[00:02:56.360]Allie Tyree.
[00:02:57.260]Hey, everybody. I am Allie Tyree, and I am the campus director of the Alliance Campus for WNCC for another month or so.
[00:03:07.800]I recently, my husband works for BNSF, and he was transferred, so we are moving to Grand Forks, North Dakota.
[00:03:14.960]You are?
[00:03:16.200]We are, yeah.
[00:03:17.920]That's sad.
[00:03:19.540]Yeah.
[00:03:20.300]After you transferred your new role.
[00:03:21.620]Yes, I have shed a few tears, but I'm trying to get it over with.
[00:03:26.340]I'm excited about it now, but yeah.
[00:03:28.660]Wish you the best.
[00:03:30.380]Thank you.
[00:03:31.180]Congratulations on your new adventure, but I'm sorry.
[00:03:34.080]Thank you.
[00:03:35.860]Phil?
[00:03:39.800]He might not be listening.
[00:03:46.300]How about Bailey?
[00:03:47.340]Hi, guys.
[00:03:54.360]I'm Bailey Mooney.
[00:03:55.760]I just graduated from Concordia, Nebraska, and I'm just kind of trying to find some more opportunities to learn about rural Nebraska because I grew up in rural Nebraska.
[00:04:05.380]If you know where B Nebraska is, it's near Seward.
[00:04:08.760]So, yeah.
[00:04:10.140]Great.
[00:04:11.760]Thank you, Bailey.
[00:04:12.620]I don't know if you are looking for a job, Bailey, but Rural Prosperity Nebraska still has at least one opening.
[00:04:20.540]Or do we have two, Maria?
[00:04:22.760]Is Pierce County still?
[00:04:25.180]Yeah.
[00:04:25.740]There you go.
[00:04:28.140]Very cool.
[00:04:28.940]Where would those balloons come from?
[00:04:32.820]Look at this.
[00:04:33.460]There you go.
[00:04:36.860]I don't know.
[00:04:38.340]You learned something new.
[00:04:40.100]Wow.
[00:04:41.340]And Phillip says his mic isn't working.
[00:04:45.460]He is out of Shatterin.
[00:04:47.600]And I am blanking on.
[00:04:50.280]It's a telecommunication.
[00:04:54.600]Telecommunications company.
[00:04:55.800]But I can't think of what it is off the top of my head.
[00:04:58.720]Paula, can you introduce yourself?
[00:05:03.080]Paula may just.
[00:05:10.880]Oh, there she is.
[00:05:11.640]Yeah.
[00:05:12.180]Sorry, I couldn't get that to work.
[00:05:13.960]I'm just finishing up a meeting.
[00:05:15.680]But hi, I'm Paula Abbott.
[00:05:17.580]And I'm the Sydney campus director with WNCC.
[00:05:20.260]Thank you, Paula.
[00:05:24.020]And I will introduce David Young.
[00:05:26.580]He is with the Nebraska Investment Finance Authority
[00:05:29.520]and is going to talk about their housing resources
[00:05:32.460]and any other programs you'd like to mention.
[00:05:35.480]Nice to meet you today.
[00:05:38.480]I will tell you that NYFA normally does not ask me to do presentations
[00:05:43.440]because I'm very poor at it.
[00:05:45.020]And so you guys are in for a treat today.
[00:05:47.740]Again, my name is David Young.
[00:05:49.940]I'm originally from Oklahoma.
[00:05:51.000]I'm a transplant to Nebraska for about 12 years now.
[00:05:53.800]I love the state, love what we're doing here.
[00:05:56.660]I'm going to share my screen right quick.
[00:05:59.620]Please feel free to interrupt with questions, right?
[00:06:02.800]There's no answer.
[00:06:04.060]I have 58 slides.
[00:06:06.000]And if you just want to listen to me drone on,
[00:06:07.640]that'll be horrible for all of us.
[00:06:09.060]Ask questions, I'm happy to run through
[00:06:11.700]and we'll try to stop in about 15, 20 minutes
[00:06:14.340]and I'll stop at each section break
[00:06:15.860]for any questions that you guys have as well.
[00:06:18.320]So when I share my screen, let's see what it does.
[00:06:21.560]Can you guys see presentation?
[00:06:22.500]Yep. Okay.
[00:06:28.060]Looks like we got a thumbs up on presentation.
[00:06:29.860]So make sure it clicks through for me.
[00:06:34.100]There we go.
[00:06:34.560]Who is NYPA?
[00:06:35.180]We are the state's housing finance agency, HFA.
[00:06:39.140]There are about 51 of those.
[00:06:41.740]Every state has one.
[00:06:43.140]There's only 11 of them that are quasi-governmental
[00:06:46.360]and we turned 40 this year.
[00:06:48.180]So we are officially old enough to drink, I think now.
[00:06:51.880]But we do specifically finance single-family mortgages,
[00:06:55.560]first-time buyers, military mortgages, agricultural loans,
[00:07:00.440]and then we provide tax credit, multifamily projects
[00:07:04.560]across the state for low-income housing.
[00:07:06.140]That is what we do.
[00:07:07.240]So our mission to grow Nebraska communities
[00:07:10.400]to affordable housing, we do that by projecting our values,
[00:07:14.760]commitment, integrity, collaboration, innovation, stewardship.
[00:07:17.100]We're a small office.
[00:07:19.420]There's about 30 of us to run all the programs.
[00:07:21.860]There's about 30 of us to run all the programs that we run.
[00:07:22.700]Our vision with the statewide housing framework
[00:07:26.580]is for all Nebraska's to have safe, affordable,
[00:07:30.260]quality housing choices to run around.
[00:07:31.900]That's kind of the basics.
[00:07:33.320]As part of a partnership with DED,
[00:07:37.360]Department of Economic Development,
[00:07:39.160]we undertook this study across the state
[00:07:43.380]and built a coalition of people across the state
[00:07:47.360]into the NYFA Strategic Housing Council.
[00:07:49.560]And we had a...
[00:07:51.840]We had a framework.
[00:07:52.320]We identified the problem
[00:07:53.780]and then shared priorities from the different pillars
[00:07:56.200]as we have talked about them
[00:07:58.080]to address the problem of affordable housing.
[00:08:01.040]And then we created strategies
[00:08:03.660]under each one of those pillars
[00:08:04.960]to address those problems.
[00:08:07.400]So I'm going to provide you with a little bit of data.
[00:08:09.940]But the Housing Council,
[00:08:11.780]who supported this study and effort,
[00:08:16.860]as listed to your right,
[00:08:18.400]there's a lot of names people may know
[00:08:20.060]from across the state,
[00:08:21.080]but rural and...
[00:08:21.820]urban team members.
[00:08:23.860]I am all the way down here at the bottom
[00:08:26.700]as a core team member.
[00:08:28.060]And so this project has been going on
[00:08:32.200]for two and a half years.
[00:08:33.480]It's been a large effort
[00:08:35.500]to gather all the data across the state,
[00:08:38.580]really identify what the problem is
[00:08:40.280]with affordable housing,
[00:08:41.160]what's the scale of the problem,
[00:08:43.060]and then come up with strategies to address that.
[00:08:45.760]We are now moving into the implementation phase.
[00:08:48.040]So there's a few definitions that you should know.
[00:08:51.560]Right?
[00:08:52.120]Affordable housing is really established
[00:08:57.040]at the federal level, right?
[00:08:59.520]Because that is an important term
[00:09:02.320]that is used to tie state and federal funding together.
[00:09:05.980]So affordable and attainable housing,
[00:09:09.100]which is not capitalized,
[00:09:10.860]can really encompass a pretty large variety of housing
[00:09:17.420]that includes market rate housing
[00:09:19.720]and general housing.
[00:09:21.540]So when we talk about AMI, Area Median Income,
[00:09:23.800]what is the median income for a given area?
[00:09:25.740]And then with affordability,
[00:09:27.740]we talk about percentages of AMI.
[00:09:30.620]With capital A affordable,
[00:09:34.000]being all the way down to 30% AMI
[00:09:38.140]or even zero AMI homelessness, right?
[00:09:42.960]To not capitalized, affordable, attainable housing
[00:09:47.400]being all the way up to 150% of AMI
[00:09:51.140]to get there.
[00:09:51.520]So we'll talk about that
[00:09:54.920]as we get into this discussion.
[00:09:56.300]Diverse housing, right?
[00:09:57.760]We want a large mix of housing for every community.
[00:10:00.760]And then housing burden is basically
[00:10:03.200]how much is the percentage of income
[00:10:04.960]that a household pay towards total housing costs,
[00:10:08.240]including utilities.
[00:10:09.180]The target is 30% or less.
[00:10:11.440]Largely, you'll see that that's not the case.
[00:10:14.180]I'm going to pause right here for just a second.
[00:10:18.080]Does anybody have any questions
[00:10:19.920]about the housing?
[00:10:21.500]The housing, council,
[00:10:22.180]and in general,
[00:10:24.620]the definitions that we're going to use
[00:10:25.820]for this conversation?
[00:10:26.600]Maybe tell me
[00:10:31.840]if you're going to get there later.
[00:10:33.240]I was thinking,
[00:10:36.040]we have rural prosperity in Nebraska.
[00:10:38.700]We have accountability regions.
[00:10:40.320]The council is statewide, right?
[00:10:46.740]If at some point
[00:10:50.280]we need to get
[00:10:51.480]connected to
[00:10:52.820]bring information about
[00:10:55.260]specific areas, can we do that with you?
[00:10:57.640]You may
[00:10:59.560]join the housing council.
[00:11:01.080]More work for me.
[00:11:03.900]Yes, you may join.
[00:11:05.500]We'll talk about how you join here in just a few minutes.
[00:11:07.520]Thank you.
[00:11:08.480]We are definitely looking for people who are interested
[00:11:11.620]in working on this problem across the state.
[00:11:13.220]Area meeting
[00:11:17.460]income.
[00:11:17.880]We have the entire
[00:11:20.320]list for all
[00:11:21.420]93 counties in the state, but
[00:11:23.300]what you will see as a whole, all
[00:11:24.920]households in the state average
[00:11:26.740]$66,000 median income.
[00:11:28.800]It ranges
[00:11:30.800]one person, two person, three person, all the way
[00:11:33.240]up to six people
[00:11:35.280]or more.
[00:11:35.760]These are the size of homes
[00:11:38.840]and this feeds into
[00:11:41.200]how much a home
[00:11:42.940]can be afforded,
[00:11:44.660]where that 30% income is.
[00:11:46.560]We have it broken down by county.
[00:11:48.740]We further go into the discussion
[00:11:51.360]of why
[00:11:53.160]is this important right now?
[00:11:54.840]Why did we convene the housing
[00:11:56.980]council of
[00:11:58.020]housing professionals, economic professionals
[00:12:00.920]from across the state?
[00:12:01.900]The lack of affordable
[00:12:05.000]housing is
[00:12:06.620]constricting our community growth.
[00:12:08.220]We have all heard the stories of our teachers
[00:12:10.820]have to live outside the city, commute 30 minutes.
[00:12:13.120]Firefighters can't buy a house
[00:12:15.240]in the community because they're not affordable.
[00:12:16.920]Police officers
[00:12:19.180]are traveling great distances to work and give
[00:12:21.300]in communities.
[00:12:22.080]Factory laborers being bussed in
[00:12:24.960]from various communities to work
[00:12:27.040]at the agricultural
[00:12:28.900]processing facility. This is
[00:12:31.000]a barrier to economic development
[00:12:32.720]and quality of life for Nebraska.
[00:12:34.380]So that is why we are working on this now.
[00:12:36.960]We have identified the problem.
[00:12:40.380]176,000
[00:12:44.760]households
[00:12:45.420]are housing cost burdened, meaning
[00:12:48.240]they spend more than
[00:12:49.820]30% of their
[00:12:51.240]income on a house
[00:12:52.440]for their housing cost.
[00:12:54.300]This mainly impacts
[00:12:56.460]households that earn $75,000
[00:12:58.800]or less.
[00:12:59.480]Traditionally, the middle class,
[00:13:02.740]working class household
[00:13:04.620]is spending more than 30%
[00:13:07.060]of their income to pay for their
[00:13:08.840]housing and utility costs.
[00:13:09.980]What is the driver behind
[00:13:13.040]that?
[00:13:13.360]Basically, we don't have enough diverse
[00:13:16.640]housing options.
[00:13:17.820]We have a supply problem.
[00:13:21.180]Lower price points, accessibility for
[00:13:23.180]elderly population, aging housing stock.
[00:13:25.160]We got all those problems in
[00:13:27.200]Nebraska. As you well know,
[00:13:29.300]for each one of your communities,
[00:13:31.280]you see it every day.
[00:13:32.220]So,
[00:13:34.500]with the way the
[00:13:37.080]Housing Council, which is all those people
[00:13:39.080]I showed you on the screen,
[00:13:40.160]has defined this problem is that
[00:13:43.220]we are constricting community growth and
[00:13:45.140]vibrancy and creating a barrier to economic
[00:13:47.240]development by not addressing this problem
[00:13:49.440]across the state.
[00:13:51.120]We did a bunch
[00:13:55.400]of research. A bunch.
[00:13:57.160]And basically
[00:13:59.420]we came down
[00:14:01.460]to trying to figure out a definition
[00:14:03.440]of a geographical area
[00:14:05.160]that would allow us to
[00:14:07.320]compare like
[00:14:09.160]to like, right?
[00:14:11.060]So if you look at counties
[00:14:13.320]in general, there are great geographic area
[00:14:15.400]boundaries, but they don't take
[00:14:17.340]in a lot of different variables, right?
[00:14:19.240]So the rural,
[00:14:21.060]urban continuum code,
[00:14:22.580]this is a set of standards that was created by
[00:14:25.060]the USDA, and it
[00:14:27.020]really defines down in the bottom corner,
[00:14:28.960]right? RUC
[00:14:31.040]9 are non-metro,
[00:14:32.980]completely rural, or less than
[00:14:35.040]2,500 urban population
[00:14:36.720]non-adjacent to a metro area.
[00:14:38.880]Our RUC 9
[00:14:40.980]counties, right, are
[00:14:42.980]here. And if you look
[00:14:45.120]at the map, those are the most rural
[00:14:47.340]of rural counties.
[00:14:48.640]And so creating a strategy,
[00:14:51.000]in housing, for
[00:14:53.040]RUC 9 is different
[00:14:55.380]than creating a strategy
[00:14:56.800]for RUC 2
[00:14:58.440]counties with large cities.
[00:15:00.220]Right? So that's
[00:15:03.220]how we started looking at this problem.
[00:15:05.060]We found that
[00:15:06.460]this RUC system allowed
[00:15:09.100]us really to look at data
[00:15:10.380]and compare like-to-like across the entire
[00:15:13.000]state. So instead of 93 counties, we have
[00:15:14.920]9 RUCs, right? We look at the different RUCs
[00:15:17.020]and say, okay,
[00:15:17.800]a solution in RUC 9
[00:15:20.940]will probably work in this geographic area,
[00:15:23.160]but a solution in
[00:15:25.080]RUC 5 may not work over here.
[00:15:27.200]So we
[00:15:29.240]define that in our study.
[00:15:30.560]And then we looked
[00:15:33.140]at across the state, what has
[00:15:35.100]population growth been doing? It's been steady,
[00:15:37.240]right?
[00:15:37.880]We're about equal with the national average.
[00:15:41.260]Housing cost
[00:15:43.020]has exceeded.
[00:15:44.180]Earnings increased. Everybody kind of
[00:15:47.060]innately understands that, but we needed to
[00:15:49.100]identify exactly how much.
[00:15:51.180]Almost double.
[00:15:51.920]We have a lack of supply
[00:15:56.980]due to the Great Recession.
[00:15:58.020]In our study,
[00:16:01.000]and I'm on pillar two. We'll get to the pillars
[00:16:03.000]here in a little bit, right?
[00:16:04.000]In our study, we looked at the average
[00:16:07.060]number of houses that have been produced in Nebraska
[00:16:09.220]by the home builders industry.
[00:16:10.700]Prior to 2008,
[00:16:12.540]the Great Recession, quote unquote,
[00:16:14.940]Nebraska
[00:16:16.840]produced about 8,000 new houses a year.
[00:16:19.120]Since
[00:16:20.820]2008, we have produced
[00:16:23.040]about 3,000 houses a year.
[00:16:24.780]For those of us
[00:16:28.260]who love math,
[00:16:30.480]2008 was
[00:16:32.260]16 years ago.
[00:16:33.840]There's a 5,000
[00:16:36.520]house per year deficit of the number
[00:16:38.540]of houses being built.
[00:16:39.740]80,000 houses
[00:16:44.040]on the new construction side
[00:16:46.340]have not been built. Then we'll go into
[00:16:48.300]a little more detail here.
[00:16:50.760]Specifically,
[00:16:51.440]we also have dilapidation of housing.
[00:16:53.980]Roughly
[00:16:56.500]1% of houses
[00:16:58.320]go out of stock
[00:16:59.640]every year. That's
[00:17:01.680]a national average.
[00:17:03.880]Basically,
[00:17:06.060]fire damage,
[00:17:08.020]100-year homes fall down,
[00:17:10.120]wind damage, abandoned
[00:17:12.040]properties. We lose
[00:17:14.640]approximately
[00:17:15.740]7,000 units a year.
[00:17:17.700]We're underproducing 5,000
[00:17:20.520]and we're
[00:17:20.700]losing 7,000.
[00:17:21.580]We're going in the hole
[00:17:24.560]about 13,000 houses a year.
[00:17:25.980]We're growing our population.
[00:17:28.240]It's the price pressure.
[00:17:30.600]That's why we started looking at
[00:17:34.640]all of these
[00:17:35.780]different rocks and what the percentage
[00:17:38.640]of housing, the age of the inventory
[00:17:40.440]is. We started looking
[00:17:42.600]across the board. 20% of our
[00:17:44.540]houses are 1939
[00:17:46.300]or earlier. 20%.
[00:17:48.620]It's a significant number.
[00:17:50.640]Then each one of these areas
[00:17:52.480]in our RUC 8,
[00:17:54.340]it's almost 40%.
[00:17:56.300]How do we tackle these
[00:17:58.680]problems is what we're getting at.
[00:18:00.020]We start talking about data.
[00:18:01.920]We talk about population trends.
[00:18:04.120]The top RUCs have increased in size
[00:18:06.980]and population.
[00:18:07.840]If we look at
[00:18:09.680]total populations for the
[00:18:12.540]metro and urban areas,
[00:18:13.980]over the last 40 years,
[00:18:16.340]almost half a million people.
[00:18:17.460]438,000.
[00:18:20.580]If we also look at our
[00:18:21.840]smaller RUCs,
[00:18:23.100]they've lost a significant
[00:18:26.120]number of people.
[00:18:26.820]We have older housing stock,
[00:18:28.320]a shortage of housing,
[00:18:30.740]people are margarite.
[00:18:32.200]How do we address that issue?
[00:18:36.220]That is really
[00:18:37.720]coming up with the challenge
[00:18:39.540]that we're facing today.
[00:18:40.640]The data takeaways,
[00:18:43.300]we have old housing,
[00:18:45.580]populations moving around our state
[00:18:48.140]due to lack of housing.
[00:18:50.520]We also have housing
[00:18:52.080]that is coming out of production
[00:18:54.120]because it's dilapidated.
[00:18:56.260]We have
[00:18:57.900]looked at what are
[00:19:00.060]total number of houses for the state,
[00:19:01.780]what is our vacant housing rate
[00:19:03.820]across the RUCs, and some
[00:19:06.040]of those vacant housings, about 1% of them
[00:19:08.260]go, basically
[00:19:10.200]are depreciated every year due to
[00:19:11.980]not being either
[00:19:13.760]fit to live in or
[00:19:16.020]being dilapidated
[00:19:18.100]meeting the model.
[00:19:20.460]So, really, the
[00:19:22.380]takeaways are
[00:19:23.320]we need more housing, but we also
[00:19:26.460]need diverse housing, and
[00:19:28.400]the other issue which we looked at was
[00:19:30.540]average age of population in Nebraska,
[00:19:32.420]right? We're going to need more senior
[00:19:34.420]housing, specifically
[00:19:36.460]accessibility, zero entry odds.
[00:19:38.640]A lot of the housing we
[00:19:40.420]have, multi-story,
[00:19:42.040]that's great for density, but
[00:19:44.420]we need to also provide
[00:19:45.740]housing and facilities for
[00:19:48.180]our seniors, as
[00:19:50.400]we're growing as a state, we're growing
[00:19:52.280]a little bit older.
[00:19:52.980]So before we
[00:19:56.020]talk about senior housing,
[00:19:58.520]are there any questions about
[00:20:00.520]the state of housing?
[00:20:02.480]Nope. Okay.
[00:20:06.400]We'll keep going. Senior
[00:20:08.440]housing, we talked about a little bit.
[00:20:10.100]Basically,
[00:20:13.180]our population is projected to
[00:20:16.340]increase about 7%, along
[00:20:18.480]with national averages.
[00:20:20.340]By 2030, so in the next six years.
[00:20:22.820]But you'll notice
[00:20:24.460]42% of that change
[00:20:26.580]is 65 and older.
[00:20:28.080]Almost half.
[00:20:31.800]We're really creeping up there.
[00:20:34.340]So providing
[00:20:35.900]solutions needs
[00:20:38.440]to be on a continuum. We need to
[00:20:40.360]provide first-time
[00:20:42.360]homes, right? Smaller
[00:20:44.500]workforce housing.
[00:20:45.600]We also need to look at specifically
[00:20:48.440]how do we reduce
[00:20:50.280]blighted areas
[00:20:51.360]or those dilapidated houses
[00:20:53.540]in rural areas because the infrastructure
[00:20:55.640]is already there for those houses. How do we rebuild
[00:20:57.600]those?
[00:20:58.100]And really providing senior
[00:21:01.540]housing is going to be very important
[00:21:03.460]in the next decade.
[00:21:05.000]Duplexes, quadplexes
[00:21:07.960]that are zero entry, right?
[00:21:09.440]So kind
[00:21:11.600]of a higher density development in
[00:21:13.520]rural areas that will allow people to
[00:21:15.380]age at home instead of going
[00:21:17.600]to a facility.
[00:21:20.220]The data takeaways across the
[00:21:22.160]entire research,
[00:21:23.860]really employers
[00:21:26.440]are driving the road. So when you
[00:21:28.160]see a new meatpacking plant
[00:21:30.060]open or a new manufacturing plant
[00:21:32.100]open in a
[00:21:34.260]given geographic area, that's where you
[00:21:36.140]see people start commuting.
[00:21:37.280]We know that.
[00:21:38.900]We need to partner with our employers
[00:21:42.160]to kind of address some of the housing needs.
[00:21:43.940]And
[00:21:46.200]when we get
[00:21:48.300]into pillar two, we're going to talk about this
[00:21:50.160]second bullet a little bit more, but developer
[00:21:52.220]risk
[00:21:52.700]is a driving factor
[00:21:56.440]for people working in rural
[00:21:58.320]or blighted areas.
[00:21:59.440]So,
[00:22:00.760]how do we reduce developer risk
[00:22:04.000]so that people will
[00:22:06.180]go from Antelope
[00:22:08.640]to Cherry County
[00:22:10.240]and do some development, right?
[00:22:11.640]How do we bring new developers into the
[00:22:13.940]workforce?
[00:22:15.340]We also have an appraisal gap issue,
[00:22:18.460]so if I build a new house,
[00:22:20.100]$200,000,
[00:22:22.140]and it's an infill house
[00:22:24.420]that's next to houses that are appraised
[00:22:26.400]at $150,000,
[00:22:28.460]you can't finance that new house.
[00:22:30.600]We have this problem as well.
[00:22:34.340]And then the overall
[00:22:36.440]affordability issue, not everybody can
[00:22:38.480]afford a $200,000 house.
[00:22:40.060]The average new home constructed in Nebraska
[00:22:42.660]is $400,000.
[00:22:44.580]Right? We have several challenges
[00:22:48.580]here to work on.
[00:22:50.040]So we also
[00:22:52.520]have a lack of construction companies.
[00:22:53.880]So when we look at
[00:22:55.600]number of construction
[00:22:57.600]employees and construction
[00:23:00.240]workers and households
[00:23:02.380]per construction company,
[00:23:03.840]we look at the United States as an average
[00:23:06.080]about eight
[00:23:08.140]construction workers per establishment
[00:23:10.280]and about 16 construction
[00:23:12.460]workers per household
[00:23:14.420]or households
[00:23:16.280]per construction worker.
[00:23:17.280]When you go down and look at the list
[00:23:19.980]lower is better
[00:23:22.460]meaning we have
[00:23:24.360]more workers than we have
[00:23:26.120]households. Ruck two is
[00:23:28.260]pretty good. Ruck three is pretty good.
[00:23:30.160]Ruck four
[00:23:32.220]or five, okay,
[00:23:34.180]not bad. Ruck six, seven,
[00:23:36.360]eight, nine.
[00:23:37.060]We got a shortage of construction workers.
[00:23:39.900]Bad.
[00:23:41.140]We need to look at that.
[00:23:43.300]How do we get more people into the trades?
[00:23:45.740]How do we make it easier and more consistent
[00:23:48.120]so
[00:23:49.920]construction workers can go across
[00:23:51.860]the state and work in different counties
[00:23:53.920]with consistent
[00:23:55.540]construction standards?
[00:23:56.880]Is that even possible?
[00:23:58.480]Those are the things we're trying to solve as well.
[00:24:01.460]That's pillar four, I believe.
[00:24:03.260]We'll get into pillars.
[00:24:04.020]Then rental
[00:24:07.300]affordability.
[00:24:08.200]We look at
[00:24:09.980]what are the levels of rent
[00:24:13.320]that different household incomes
[00:24:15.040]can afford.
[00:24:16.180]Then we look
[00:24:18.240]at that expressed as a percentage of
[00:24:19.860]income.
[00:24:20.440]Our populations
[00:24:23.640]in each one of these areas
[00:24:25.600]are spending more money
[00:24:28.020]than they can afford on rent.
[00:24:30.100]Our
[00:24:31.920]average across the state
[00:24:33.720]is pretty high
[00:24:35.040]on rent. We have a challenge there.
[00:24:37.860]Of all of the data I presented,
[00:24:43.440]and I'm sorry, there are a bunch of chats
[00:24:45.340]happening, and I can't see the chat while I'm
[00:24:47.280]presenting. If somebody wants to
[00:24:49.800]yell out a question, I'm happy to
[00:24:51.180]deal with that.
[00:24:52.100]Are there any questions? I'll pause
[00:24:55.380]here about any of
[00:24:57.440]the data that we have just looked at.
[00:24:59.320]Go ahead. There was a question
[00:25:03.600]about, is one of the benefits of
[00:25:05.420]living in a rural area more affordable
[00:25:07.500]housing, and is
[00:25:09.520]housing in metro areas
[00:25:11.680]like Lincoln more expensive?
[00:25:13.440]Maria and I chimed
[00:25:15.900]in and said, that was
[00:25:17.780]true pre-COVID, but maybe not
[00:25:19.740]necessarily now at least in certain areas yeah so i mean what you see here is that in certain
[00:25:28.460]areas it is more affordable but in certain areas it is much less it is not consistent right um
[00:25:36.860]that is the the challenge that we have right so in order to afford a 200 to 300 thousand dollar
[00:25:44.340]house you need to make 50 to 75 thousand dollars household income right so that's the total income
[00:25:50.880]of the house to afford a 300 thousand dollar house you need to make 75 thousand dollars
[00:25:55.540]the average new home constructed right now in nebraska is over 400 thousand dollars
[00:26:00.620]i would like to say that it's still more affordable um where i live compared with
[00:26:09.400]even grand island nebraska or lincoln or omaha but it's kind of
[00:26:14.200]fastly growing like you know the the appraisals are showing you know increases in the value of
[00:26:21.580]the house so fast and so like exponentially if how can i say you it's growing very fast that
[00:26:30.500]the value and it increases everything so it kind of you feel hopeless sometimes
[00:26:36.640]yep so if we build a new house it's four hundred thousand dollars on average
[00:26:44.180]and if that house is in a neighborhood where where we had a house fall down right or get
[00:26:50.540]damaged in a storm and the appraisals of the existing properties around it are 150 to 180
[00:26:56.180]thousand dollars you can't finance it so i can have multiple challenges that we need to deal with
[00:27:02.160]here um go ahead phil
[00:27:07.000]um i would challenge those numbers because of a recent thing that i know of a couple of people at
[00:27:14.160]dead at 50 to 74,075 if you will the 200 to 300 and the 75 up i know some people are looking and
[00:27:22.380]they cannot get they can't afford it even making that kind of money they still can't get the loans
[00:27:30.420]it just isn't there and the i agree with most everything i saw the one clear back on the
[00:27:37.980]earlier one where you said stanton county is considered rural not compared to where
[00:27:44.140]jamie and i live i mean stanton's right beside norfolk south sioux
[00:27:50.460]other places like that so some of those i would i do agree with but some of them i'd also challenge
[00:27:58.320]too i appreciate the challenge and definitely invite you to join our
[00:28:07.540]pillar one i mean even even pierce county is right beside wayne and norfolk
[00:28:14.120]you know when you start talking about sue sheridan kimball moral well moral's close to scouts bluff
[00:28:20.980]but there's a huge difference from the western part of nebraska compared to the east jamie i
[00:28:27.480]don't want to put you on the spot but would you agree agree with that yes i would i think the
[00:28:34.380]population is just more dense in general the further east you go and the further east you go
[00:28:40.160]you have more um close proximity to
[00:28:44.100]jobs because of the larger communities would you agree with that yeah
[00:28:49.540]and i think i was kind of looking at kimball i'm assuming the metro area that it says it's
[00:28:57.840]near must be cheyenne wyoming um and dawes county must be rapid city
[00:29:04.300]and so let me let me clarify this this is the usda's assertion right we did not create this
[00:29:14.080]what we tried to do was find a data set that was most comparable
[00:29:20.880]i mean the the challenge is if you just look at counties right that's a
[00:29:24.980]the metrics don't tell you everything right just straight population metrics don't tell you all
[00:29:30.820]often what you need so i agree that this is not the perfect methodology i think this is a better
[00:29:37.960]methodology than just comparing 93 counties right this is kind of groups counties together by
[00:29:44.060]a different set of metrics that the usda has created um and that's how they allocate their
[00:29:50.040]funding right according to rocks on some of these well i agree with that but i also disagree because
[00:29:55.300]usda is looking at mainly the east and west coast because again when you look at thurston county
[00:30:00.920]like where kimball is thurston county is within driving distance of several larger areas that they
[00:30:08.020]can get employment from they're struggling like the others to get housing there too just like we
[00:30:14.040]hear they're affordable and isn't aren't falling down burke county i mean that's within 40 miles
[00:30:22.140]of omaha so i guess my whole thing goes back to you know you look at there with greeley county
[00:30:29.940]now greeley county is out in the middle of the state of nebraska so i guess i look at it more
[00:30:36.000]as a state instead of the usda because the usda isn't looking at it as a state
[00:30:39.020]looking at the state and the proximity of where we can go to, you know, obtain work and things
[00:30:46.100]like that, which then goes back to the housing availability.
[00:30:49.000]Sorry. Go ahead, Maria. Well, I think these conversations are very useful because,
[00:30:58.120]I mean, there's, in many areas, not just housing, data can be very flawed, and these conversations
[00:31:08.640]just allow for people to see, okay, what is needed? What can we improve to give those
[00:31:16.720]recommendations back to the people who are, you know, getting these beautiful graphs and charts,
[00:31:22.300]putting them together? So, I think I see it as a win anyway, because, for one,
[00:31:30.160]it makes me more aware of, you know, how it's classified, what the numbers look like, and then
[00:31:38.260]correlating it with what I know, and then, you know, doing a little reflection to get it back
[00:31:45.980]with recommendations. I agree that in our study of this problem, there was no
[00:31:55.440]set of metrics that we found to be perfect, right? And there is variability and discussion
[00:32:02.480]around what's included in a RUC-2 versus a RUC-7.
[00:32:07.880]Our strategies specifically target each county and the top 30 communities in the state by
[00:32:15.380]population, right? So we are looking at it at a state level, but how we were defining
[00:32:20.760]the problem, this seemed to be the best of the many metrics that were available.
[00:32:25.680]But thank you for the feedback. I greatly appreciate that.
[00:32:30.060]Other questions on first half of the presentation? Can I also have you repeat
[00:32:37.500]the amount of houses we're building and losing that actual number? I didn't get it written down
[00:32:43.780]in time. Yeah, I will, at the end of this, point you to a full presentation, both an executive and
[00:32:52.360]a full summary of the report, so that you have it. But in general, pre-2008, we were building
[00:32:59.500]8,000 houses a year. Post-2008, we were building 3,000 houses. And then we lose
[00:33:07.120]lose approximately, and this is a national estimate, 1% of all the housing units in the
[00:33:14.380]state a year to depreciation. So those are the numbers. But yes, for presentation, all this is
[00:33:22.800]available. Yeah. So we can maybe get it in email or what form will that come in? I'm so sorry.
[00:33:29.060]Oh, well, I am going to do one better. So I'm going to change here. I'm going to go to here.
[00:33:36.460]I'm going to go to NYFA.org. And under data and research, strategic housing framework. So this is
[00:33:44.220]the presentation you've been seeing today. And the full document is here with all appendices,
[00:33:50.800]a four page executive summary is here. We have the housing dashboard, basically tracking
[00:33:59.180]housing units across the state, where they are being built by city and by county.
[00:34:05.800]And we just, we're in the process of launching this right now. So we are going to be updating
[00:34:10.880]this data every quarter. This data draws on county assessor records across the state and
[00:34:18.720]shows where we're adding units and where we're, and how much they're being added at, right?
[00:34:22.840]So by quarter. So we are now tracking this. Does that help? Yeah, awesome. That helps
[00:34:29.920]perfectly. Thank you. Yeah, come on now. Like I said, generally, you don't ask
[00:34:35.140]me to do the presentations. You get me today. So I appreciate the questions so we can have
[00:34:41.060]a good discussion. I'm going to switch back over here to presentation mode, maybe if it'll
[00:34:44.920]let me. Do you guys see the presentation again? Yes, we do. Perfect. Other questions, discussion?
[00:34:51.820]No? Okay. I will continue on. We're about halfway. I'll get through some of this stuff
[00:35:00.160]right quick. So the priorities that were established by the Housing
[00:35:04.480]Council basically reduced the number of households that are paying more than 30%
[00:35:09.780]of their gross income, right? The target is 44,000 households. And then develop and rehab
[00:35:18.260]35,000 affordable, entertainable, middle and low-income units by 2028. That's in the next
[00:35:25.780]four years. Pretty bold vision for the Housing Council. And in order to accomplish that,
[00:35:33.820]basically, again, we kind of divided the problems up and created shared priorities
[00:35:39.060]in order to address the problem and then divided that into pillars.
[00:35:42.080]And so here is the structure of the Housing Council. And this is where I would invite you
[00:35:49.180]guys to think about if you'd like to be involved, which one of these areas or multiple areas
[00:35:55.140]would you like to be involved in? So pillar one, right, the different shared priorities
[00:36:03.160]for them are working on flexible state funding, strengthening collaborative funding between
[00:36:10.360]different groups and policies to mitigate risk for developers, right? Those are the
[00:36:15.360]things that they are trying to solve in their group. Pillar two, of which I am a member
[00:36:21.680]of pillar two, so we're going to talk about pillar two today, is to create a housing toolbox
[00:36:27.820]toolkit for community leaders to help them develop more housing
[00:36:32.500]in their communities because housing is a community-level effort, and then engage leaders,
[00:36:39.760]which they don't let me do very well. I'm just kidding. They let me talk to anybody,
[00:36:43.260]county official, you guys. It's a lot of fun. Pillar three, special needs populations. These
[00:36:49.800]are when you talk about big A affordable, low income, zero to 60% of area median income,
[00:37:01.840]so looking at low income housing, supportive services that are needed for people who are in
[00:37:08.800]income brackets, and a goal of ending chronic homelessness. If you have a passion for these
[00:37:16.020]areas, we would love to invite you to be a part of pillar three. And then pillar four is workforce
[00:37:22.760]community capacity. We talked about shortage of construction workers in different areas. How do
[00:37:31.180]we address that? So we want to engage stakeholders to build capacity and increase the housing
[00:37:38.020]workforce in general. So these are the four pillars. When you look at the executive summary,
[00:37:44.960]it outlines much more information on these pillars. And how we work is the pillars have
[00:37:54.600]monthly working group sessions, and they are prioritizing which goals that we just talked about
[00:38:00.520]and strategies to achieve those goals in the pillar itself. So those are working groups.
[00:38:05.380]The core team basically is made up of the chair and vice chair of each pillar, and NIFA staff,
[00:38:13.000]and different leaders in the housing group across the state. They meet monthly as well
[00:38:20.020]to coordinate the work of the pillars, how we work together to accomplish goals.
[00:38:24.220]And then the housing council itself, all the members get together two
[00:38:29.860]or three times a year. We just had a meeting in mid-April where we got together for a full-day
[00:38:37.300]session to collaborate and make our efforts consolidated.
[00:38:49.420]Anybody want to talk about their specific interest in any of these pillars? Are we going
[00:38:53.240]the right direction with these pillars? What other tactics might help us achieve?
[00:38:59.200]I do have my trusty pen and paper here. You guys are interesting talking about the pillars,
[00:39:04.260]and I can go back to that page specifically.
[00:39:07.300]I think you already have some RPN people in the education one, don't you? Or at least
[00:39:16.320]Mary Emery, our director?
[00:39:18.720]Mary Emery, yes.
[00:39:21.720]You know, I can see a lot of -- well, I'm interested on any of that.
[00:39:28.540]But when I was doing some -- there's a program that we do in rural prosperity in Nebraska,
[00:39:34.900]it's called First Impressions Online, and we actually do, like, a Google search of different
[00:39:43.320]communities.
[00:39:44.320]And one of the things that we look at is housing and, you know, when somebody is considering
[00:39:50.260]to move to, I don't know, to a certain location, they look for affordable housing or just housing
[00:39:58.540]in general and housing has been a consistent, you know, issue, if I can say it, when we
[00:40:09.040]look for any location that we have been working with, finding a house, and that might deter
[00:40:17.460]people from, you know, moving and I just see that there's an intersection there where we
[00:40:23.100]can provide feedback and I would love to join, but I don't know where.
[00:40:28.380]The online education and policy will be probably that kind of feedback.
[00:40:34.900]Okay, pillar two.
[00:40:37.760]Yeah, pillar two.
[00:40:39.720]You're speaking to my heart.
[00:40:41.280]Yes.
[00:40:42.440]Yeah, of course.
[00:40:44.280]Love to have you on pillar two.
[00:40:45.960]And maybe four two.
[00:40:49.000]I'm sorry, Jamie, tell me to be quiet because I'm
[00:40:52.360]You're just giving yourself more work.
[00:40:55.180]Yeah, it is the most.
[00:40:58.320]Boring presentation you'll ever sit through if the speaker just does all the talking, right?
[00:41:02.400]I like this.
[00:41:04.280]Anybody else have any thoughts or interest in any of the pillars or feedback?
[00:41:09.900]Should we have different goals?
[00:41:11.260]I know it's a lot to take in right from the first time you've seen it.
[00:41:15.860]Well, I think a big portion of the group that we're missing today who are at the
[00:41:21.600]NIDA conference would probably be interested in pillars one and four.
[00:41:26.520]The economic development.
[00:41:28.300]The economic development of developers.
[00:41:28.700]Increasing the workforce and building capacity as well as helping with
[00:41:36.300]financial pieces.
[00:41:37.300]Well, I'm making sure we're going to stay on track here with time.
[00:41:46.280]So I'm going to kind of not skim through some of this stuff, but, you know,
[00:41:49.660]keep going with the conversation. So if you're interested,
[00:41:53.340]definitely reach out. You'll have my contact at the end of this.
[00:41:57.340]We would love to hear from you.
[00:41:58.280]We'd love to add you to the pillar groups, right?
[00:42:00.500]This is a big effort across the state,
[00:42:03.420]trying to make sure that we get the right people involved and that we're
[00:42:07.440]making an impact.
[00:42:08.340]And the map that I showed you is one of the ways we're measuring that
[00:42:12.740]impact, right?
[00:42:13.420]Seeing where different groups are working and trying to track new health
[00:42:17.180]being problem.
[00:42:17.680]Pillar two, the pillar of all pillars. Why?
[00:42:24.200]Because I like this pillar. I'm on this pillar.
[00:42:28.260]Basically we're trying to create a diversified housing toolbox, right?
[00:42:31.120]For different stakeholders. I've used best practices, model,
[00:42:35.100]zoning codes, building codes, ordinances.
[00:42:37.600]How do you incentivize this development in your given community?
[00:42:41.020]What innovations should you be working on and implementation support that we
[00:42:45.420]provide an IFA to a community who is working on a housing initiative?
[00:42:49.380]The fun stuff. We have a housing toolkit.
[00:42:53.560]There's a link here in just a second.
[00:42:58.240]And if you would like to go to the housing toolkit,
[00:43:00.160]you may go to the housing toolkit. I'll pull it up here online.
[00:43:03.480]But it is available, right? We're, we're still tweaking it.
[00:43:08.800]It's like 58 pages or something. It's extremely long.
[00:43:11.600]And so getting all the pictures just right,
[00:43:14.340]eventually this will be hosted on the same nifa.org page where you saw the
[00:43:18.660]dashboard. So you'll be able to log in and get the toolkit.
[00:43:21.760]And really the toolkit was designed for,
[00:43:28.220]economic development agencies,
[00:43:29.840]community leaders to come in and look about housing in the four ways and what
[00:43:36.100]they can do in their community to identify what housing is needed.
[00:43:39.280]So the tool toolkit really was designed to help communities implement a
[00:43:47.260]little bit more density in some of their developments, right?
[00:43:50.140]And what are the different options there?
[00:43:51.680]And then how do they work with the community leaders work with group
[00:43:57.760]development,
[00:43:58.200]housing assessments understanding the different housing events of density
[00:44:02.040]and how do those drive down the cost of individual units look at their
[00:44:07.080]zoning regulations and incentives.
[00:44:08.560]And then generally the housing development process.
[00:44:11.020]So people can look at one component and say, okay,
[00:44:13.080]what do we need to do to bring our group together to start executing on
[00:44:16.440]more housing?
[00:44:16.940]Lots of goals associated with the toolkit.
[00:44:22.080]Generally the bottom line, we want to see more units, right?
[00:44:27.520]Across the state.
[00:44:28.180]And the toolkit allows people to use it as a reference in their given
[00:44:32.880]community.
[00:44:33.320]So we want to provide effective tools to leaders so they can look at and
[00:44:39.200]see what are the different housing types that they might bring in and what
[00:44:42.020]are those costs per unit,
[00:44:44.220]and then really facilitate the discussion among the community of who you
[00:44:49.180]should bring to the table to see development go forward.
[00:44:51.500]And what are the different levers that community can pull to drive
[00:44:55.180]development?
[00:44:58.160]And basically it's talks about in the toolkit, right?
[00:45:01.440]Who should be involved in the discussion around housing?
[00:45:06.500]Oftentimes we see that if it's just, you know, a developer comes in,
[00:45:12.320]he has a really hard time in finding the right people in the community to
[00:45:15.720]have a conversation.
[00:45:16.520]We see that as a stumbling block in the development process.
[00:45:19.000]More importantly, local government officials, right?
[00:45:22.400]Who don't have a deep background in development,
[00:45:24.480]but want to see develop.
[00:45:25.900]Who should they bring to the table?
[00:45:28.140]All should be at the table.
[00:45:29.040]So we list those people in here.
[00:45:31.780]And then looking at establishing a working group
[00:45:37.080]in your given community,
[00:45:38.160]walking them through the process.
[00:45:40.160]What is the housing assessment?
[00:45:42.360]Has there been one done?
[00:45:43.980]Do you have a capital improvement program
[00:45:49.940]at the city level or the county level
[00:45:51.600]that you should be coordinating with?
[00:45:52.840]Some of those tools.
[00:45:53.760]What are your zoning regulations now?
[00:45:56.900]Do you want to do a,
[00:45:58.120]a PUD type model plan unit of development
[00:46:01.420]where you're just overlaying existing zoning?
[00:46:03.540]You're not changing your zoning code.
[00:46:05.700]You're just saying we want to do
[00:46:06.860]a pilot project for density.
[00:46:08.380]And then how do you engage
[00:46:11.180]in this development process?
[00:46:12.300]So that's why the code,
[00:46:13.540]the toolkit is 58 pages
[00:46:15.580]because it goes into all these things.
[00:46:17.420]It has case studies specifically
[00:46:22.200]where different neighborhoods,
[00:46:24.620]missing middle is what they call it.
[00:46:27.100]You know, middle class,
[00:46:28.240]workforce housing, duplexes, triplexes,
[00:46:30.120]things like that have been built.
[00:46:32.320]It gives examples of those kinds of things.
[00:46:35.260]It's a very interesting toolkit.
[00:46:39.460]I'm going to switch over
[00:46:40.840]and see if I can actually show you
[00:46:42.620]the toolkit right quick.
[00:46:43.540]I think I have it pulled up.
[00:46:44.980]Maybe I don't.
[00:46:46.740]You know, these tools.
[00:46:48.540]Yep.
[00:46:52.040]This is the dashboard,
[00:46:55.580]which we just looked at for a second
[00:46:58.080]and I will give you the toolkit here
[00:47:01.040]in a second just so you can see
[00:47:02.160]what it looks like prior to us hosting it.
[00:47:05.140]You're getting to see all my work emails here.
[00:47:07.700]Here is the statewide toolkit.
[00:47:13.020]Like I said, it's not gospel perfect yet,
[00:47:18.060]but we will be pushing this out
[00:47:20.440]in a couple of weeks.
[00:47:21.200]Our team member that's leading this effort
[00:47:24.140]actually just had his first child
[00:47:26.460]two days ago.
[00:47:28.060]So I'll make it a little bigger.
[00:47:29.680]We're not going to run through the whole thing,
[00:47:31.760]but you'll see it's pretty detailed.
[00:47:34.540]It runs through discussions
[00:47:35.840]about regional economic development districts,
[00:47:37.920]what are the different densities
[00:47:39.320]and types of products that are available,
[00:47:40.960]what are the values associated with that.
[00:47:45.040]It kind of gives a community
[00:47:47.920]a lot of different tools, right?
[00:47:49.600]And what should be the number of dwellings
[00:47:52.920]that you get per type of housing type
[00:47:55.760]that you're putting in.
[00:47:56.460]So this is the housing toolkit
[00:47:58.040]and there's work yet to be done on it,
[00:48:03.040]but it is making progress.
[00:48:06.000]And so that's the toolkit.
[00:48:08.720]When do you think that'll be available, David?
[00:48:11.940]Well, if you are one of those crazy people
[00:48:16.880]who like to use your phone,
[00:48:19.000]it's available to you right now.
[00:48:20.540]I'll leave it on this for a second.
[00:48:23.260]I want to say probably honestly,
[00:48:28.020]six weeks,
[00:48:28.600]because I think that our staff member
[00:48:32.560]who's doing this,
[00:48:33.440]it's just going through
[00:48:35.060]and making it really, really pretty, right?
[00:48:37.620]When you make a document public,
[00:48:38.820]it's going to be used by a lot of people.
[00:48:40.320]But as you guys are in the field
[00:48:45.160]and interested in this,
[00:48:46.140]you are welcome to take a look at it in advance.
[00:48:50.840]And I would ask you,
[00:48:52.040]please don't beat us up too much
[00:48:53.900]on any spelling error
[00:48:55.200]that might be in there, right?
[00:48:56.480]It's a big document.
[00:48:58.480]And the people on Pillar 2
[00:49:01.860]have worked on that document
[00:49:03.220]for over a year.
[00:49:04.580]So it has been a long time in coming
[00:49:07.560]and they really are trying to polish it fully.
[00:49:09.340]But if you have a smartphone camera,
[00:49:11.840]you're welcome to grab a screenshot of that
[00:49:13.440]and do it.
[00:49:15.220]Is it okay if I send out that link
[00:49:18.480]with the recording as well
[00:49:20.040]and just let people know
[00:49:21.120]that it's a draft or no?
[00:49:22.340]No, I prefer not if that's okay.
[00:49:24.700]We will come back to you.
[00:49:26.400]It's only for those brave souls.
[00:49:27.980]It's the day.
[00:49:28.620]I'll tell them they have to be patient
[00:49:31.180]and wait until it's posted.
[00:49:32.300]Yeah, but you guys can look at it, right?
[00:49:34.620]So the dashboard, same thing,
[00:49:38.080]but the dashboard is live, right?
[00:49:39.760]You just saw it.
[00:49:40.540]Basically, what we're trying to do
[00:49:42.580]is track across the state housing.
[00:49:44.960]This is the first time
[00:49:45.820]it's been consolidated into one group.
[00:49:48.180]I will tell you the data is not perfect.
[00:49:50.400]We are really working through
[00:49:54.820]data issues on the back end
[00:49:56.140]because different county assessors
[00:49:57.960]report the data differently.
[00:49:58.900]So what we're doing is
[00:50:01.300]this is version one.
[00:50:02.520]We'll then start providing
[00:50:04.380]types of housing, right?
[00:50:06.000]Today, we only break it up
[00:50:07.040]into single family and multifamily.
[00:50:08.700]We will go even further in depth.
[00:50:12.400]There are 11 different housing codes
[00:50:14.940]that you can use in our tax code,
[00:50:17.660]and they're just applied
[00:50:19.660]differently in different counties.
[00:50:20.800]So we're going to work with
[00:50:21.520]county assessors across the state
[00:50:22.880]to simplify or streamline
[00:50:25.740]it a little bit,
[00:50:26.300]I think is the way to say it.
[00:50:27.940]And basically,
[00:50:29.740]if you want to access
[00:50:31.620]the housing dashboard,
[00:50:35.220]you can just go to NYFA.org,
[00:50:36.740]but it breaks out the information
[00:50:39.040]by city across the state.
[00:50:41.320]And you can click on any given dot
[00:50:44.700]and it will tell you
[00:50:46.200]the number of single family units
[00:50:47.620]and multifamily units
[00:50:48.580]that are reported for that given city.
[00:50:50.360]And so it tells you where it's at.
[00:50:53.820]Fullerton, Nebraska,
[00:50:54.640]they have 857 single family
[00:50:56.760]and 19 multifamily.
[00:50:57.920]And so this information
[00:51:00.860]is available today.
[00:51:02.600]And you can do it at a county level.
[00:51:04.600]You can look at the numbers
[00:51:06.480]in a given county.
[00:51:07.340]The data is, again,
[00:51:09.920]dependent on what
[00:51:11.700]the tax assessor
[00:51:13.880]is providing in that given county.
[00:51:16.380]And we're working with those counties
[00:51:17.680]where sometimes we have zero reported.
[00:51:21.060]Right.
[00:51:21.840]So we'll have to work
[00:51:22.980]with specific groups
[00:51:24.300]to update the data
[00:51:27.900]their data,
[00:51:28.400]which is not that big a deal,
[00:51:29.740]but it's just a reporting issue
[00:51:31.400]that we're working through.
[00:51:32.080]Every quarter, we will update this.
[00:51:34.420]And then we'll start
[00:51:36.720]where people want to have meetings
[00:51:38.580]to discuss the housing count
[00:51:40.400]in their area.
[00:51:41.120]We will meet with them
[00:51:42.200]and groups just like yourself
[00:51:45.220]who would like to be
[00:51:48.020]to have a discussion around housing.
[00:51:50.500]And we would love to come talk to you.
[00:51:52.540]So David Young at NYFA.org,
[00:51:56.080]you're always welcome
[00:51:57.140]to reach out to me.
[00:51:57.880]And if you go to NYFA.org
[00:52:00.680]slash housing dash framework,
[00:52:02.740]that's where all the tools will live.
[00:52:04.780]You're welcome to see those.
[00:52:07.320]And now after approximately
[00:52:10.360]one hour of talking,
[00:52:11.680]I am open to any other questions
[00:52:15.080]you'd like to discuss.
[00:52:15.800]I have a question for
[00:52:17.820]when you have
[00:52:19.560]the toolkit.
[00:52:22.400]I'm sorry, I have a blank moment here.
[00:52:24.780]So when you access a toolkit
[00:52:27.860]is this intended to be
[00:52:30.860]like, you know, people
[00:52:32.760]can go solo to
[00:52:34.840]get all the, you know,
[00:52:38.400]the tools that are there
[00:52:40.860]to work in their own community
[00:52:44.100]or is this something that you
[00:52:46.820]that you see that can be facilitated
[00:52:50.140]by, I don't know,
[00:52:52.020]maybe Rope Prosperity Nebraska
[00:52:53.960]educators or, I don't know.
[00:52:56.400]I'm trying to visualize
[00:52:57.840]how, you know, you refer
[00:52:59.920]to the resource and then people
[00:53:02.020]go and access it and
[00:53:03.380]they play with it or?
[00:53:05.300]I think our goal is for
[00:53:09.880]different community groups to get together
[00:53:12.060]and say, you know, we want
[00:53:14.020]to do something about housing.
[00:53:14.980]And they can use the toolkit as a
[00:53:18.000]resource.
[00:53:18.660]NYFA does offer facilitation,
[00:53:21.920]right? We'll attend and have a conversation with
[00:53:23.900]your community group,
[00:53:25.540]right? To say, here's what we want to do.
[00:53:27.820]If you have a
[00:53:28.780]city council or an economic
[00:53:32.020]development arm of the community and say,
[00:53:34.160]hey, we want to tackle this, or
[00:53:36.040]you've got a group of
[00:53:38.000]people in your community
[00:53:40.180]that, you know, stakeholders,
[00:53:41.740]right? Say, hey, we want to accomplish something.
[00:53:43.880]And we think it's just a tool
[00:53:45.920]that can be used so people can look at it
[00:53:48.120]and say, you know, there's
[00:53:49.880]a vast range of property
[00:53:52.220]types that can be built,
[00:53:53.700]and there are various advantages and disadvantages
[00:53:56.300]to each kind, right? It's not
[00:53:57.800]just 100 apartment units
[00:54:00.100]or a single family. There's a lot
[00:54:02.180]of options out there, and
[00:54:03.960]you should look at, as a community, what's
[00:54:06.020]right for your community to
[00:54:07.920]achieve your community goal.
[00:54:09.460]So that's what the toolkit really
[00:54:12.020]is about, and then it kind of describes
[00:54:13.620]each step of the process of housing development
[00:54:16.000]and who should be involved
[00:54:17.960]and gives advice a little bit about what
[00:54:19.940]conversations could be had in those areas.
[00:54:22.140]And then we, NYFA is a
[00:54:23.940]statewide partner in housing.
[00:54:25.480]If you'd like, we'd love to talk to you about the
[00:54:27.780]project or be your partner in the project
[00:54:29.800]as well. Yeah, I was just thinking
[00:54:31.860]about the level of confidence
[00:54:33.800]that, you know, you will find
[00:54:35.880]in different communities with
[00:54:37.600]technology and, you know, accessing
[00:54:39.800]an online toolkit or something.
[00:54:41.760]So I was thinking if
[00:54:43.900]that will be a barrier, then
[00:54:45.740]you know, but you said that NYFA
[00:54:47.700]offers assistance with
[00:54:49.540]I mean, technical assistance,
[00:54:51.880]I guess. You get to talk
[00:54:53.920]to me. I don't know if that's really super
[00:54:55.900]beneficial. I'm just kidding. I love
[00:54:57.760]to talk to you
[00:54:59.920]about it and talk to you about
[00:55:01.960]your project specifically.
[00:55:03.780]Yeah. No, this is good. Thank
[00:55:05.920]you.
[00:55:06.140]Any other questions
[00:55:09.940]for David?
[00:55:10.560]I have a question. Well, I first
[00:55:14.020]want to say this is really brilliant.
[00:55:15.720]I actually didn't know that this resource was
[00:55:17.880]available, so I'm
[00:55:19.860]hoping that as the coming years come,
[00:55:21.480]this will be something that's advertised
[00:55:23.700]a little bit more that people can
[00:55:25.640]find, at least my age
[00:55:27.740]because there's a lot of
[00:55:29.680]college students that financially struggle and
[00:55:31.700]don't know where to get affordable housing.
[00:55:33.340]So I had
[00:55:35.600]a question. Is there any
[00:55:37.600]research done about how
[00:55:39.920]the lack of housing
[00:55:42.060]being built
[00:55:43.920]affects other
[00:55:45.520]job markets? So
[00:55:47.680]like HVAC technician or
[00:55:49.760]things like that that come in and help build
[00:55:51.700]the AC systems.
[00:55:52.840]Is there any research done on how this
[00:55:55.820]really affects their businesses?
[00:55:57.720]And how they operate
[00:55:59.440]for the future?
[00:56:00.240]Repeat back what you're asking me to make
[00:56:05.720]sure I understand it clearly.
[00:56:07.260]It's kind of a weird question.
[00:56:09.160]But
[00:56:10.660]HVAC companies
[00:56:13.900]that come in to these houses
[00:56:15.920]and they put the
[00:56:16.940]HVAC systems in
[00:56:18.940]with this decreasement and new housing
[00:56:21.500]availability, how it's actually
[00:56:23.580]affecting businesses like HVAC?
[00:56:27.700]Are some of those businesses
[00:56:29.900]included in the construction
[00:56:31.900]establishments
[00:56:34.320]that you mentioned earlier?
[00:56:36.220]Perfect. Thank you.
[00:56:37.840]Basically, the state
[00:56:41.780]employment database tracks the number of people
[00:56:44.080]and what they saw was
[00:56:45.880]after 2008, across the board,
[00:56:48.080]people got out of the housing business.
[00:56:49.880]That includes electricians,
[00:56:52.260]HVAC contractors
[00:56:54.140]across the state.
[00:56:55.940]And it was heavily impacted in
[00:56:57.680]rural areas.
[00:56:58.900]And so there's kind of a two-pronged problem,
[00:57:02.120]right? We have a shortage of housing.
[00:57:03.660]We also have a shortage of
[00:57:04.900]trades in those areas that have
[00:57:07.760]the most acute shortage of housing.
[00:57:09.140]And that's why we have four pillars
[00:57:11.680]to attack the problem.
[00:57:12.800]So the research is more around
[00:57:15.860]total numbers,
[00:57:17.480]right? And so how do you
[00:57:19.540]build a housing
[00:57:22.100]industry base in your
[00:57:23.780]community that allows for
[00:57:25.580]a new HVAC contract
[00:57:27.660]or to come in and set up shop
[00:57:29.580]or to open a business?
[00:57:31.180]And they know that they're going to have enough production
[00:57:33.620]in a given region
[00:57:35.040]to maintain their business.
[00:57:36.920]That's the research that we've
[00:57:39.700]been thinking about.
[00:57:40.400]Bailey, does that answer your question?
[00:57:43.580]Yes, that answers it perfectly.
[00:57:45.940]Thank you. And then I had one more
[00:57:47.780]question. So
[00:57:49.480]are you familiar with B-Nebraska
[00:57:51.520]at all? Say it one more
[00:57:53.820]time. B-Nebraska. Have you ever been
[00:57:55.720]there? B-E-E
[00:57:57.640]Yep. Like the bumblebee.
[00:57:59.300]I
[00:58:00.600]unfortunately am not. Oh, you
[00:58:03.680]gotta go. It's close to Lincoln.
[00:58:05.480]It's probably like 30 minutes.
[00:58:07.360]Amazing. B's amazing.
[00:58:09.140]So there's been like four houses
[00:58:11.780]that have come up and
[00:58:13.700]we only have a
[00:58:15.640]male office and a
[00:58:17.600]bar in town and a church.
[00:58:19.200]And I was kind of wondering
[00:58:21.060]why those four houses just kind of
[00:58:23.440]popped out of nowhere in the recent
[00:58:25.600]like five years. I don't
[00:58:27.620]know why that would be. So I'm
[00:58:29.500]just kind of curious if you knew possibly
[00:58:31.480]the answer to why that would be.
[00:58:33.140]I mean, I think we can
[00:58:37.520]rule out UFOs, but
[00:58:39.120]I'm... Yeah,
[00:58:41.360]I just kind of, I think it's really interesting
[00:58:43.580]because there's not a whole lot of
[00:58:45.500]new houses being built in Seward, which
[00:58:47.480]is near.
[00:58:48.620]So I was just kind of
[00:58:51.380]curious on why. Is it maybe that
[00:58:53.420]the land is cheaper or...
[00:58:56.960]There's a local person
[00:58:59.600]who wants to invest, would be my
[00:59:01.540]guess.
[00:59:02.000]It also depends.
[00:59:05.600]Are they going on an acreage?
[00:59:07.100]Is water available?
[00:59:08.340]What all entitled where that house
[00:59:11.600]went?
[00:59:12.020]Yeah.
[00:59:15.180]My youngness is showing
[00:59:17.540]on this one.
[00:59:18.280]Well, did they build in town
[00:59:21.640]or did they build on like two to three acres?
[00:59:23.820]They build in town.
[00:59:25.300]So they build right...
[00:59:26.800]Right when you come
[00:59:29.280]into town, there's three new houses
[00:59:31.200]that were not there before.
[00:59:33.200]I am unsure, but if we need to meet at the bar
[00:59:39.300]and do some research, I'm happy to.
[00:59:40.580]You should come.
[00:59:41.400]Don't mess around with that.
[00:59:44.420]That's the best place to get some food.
[00:59:46.300]B is the best place to get food.
[00:59:49.340]Go ask around the office.
[00:59:51.000]They'll tell you.
[00:59:51.680]Okay, I'll do that.
[00:59:53.180]It's driving distance. I can do that.
[00:59:55.040]Yeah.
[00:59:55.960]Other thoughts?
[00:59:58.500]Comments? Did I hit any of the chat questions?
[01:00:01.240]Did anybody?
[01:00:01.840]I think we covered everything.
[01:00:06.020]I just posted a couple.
[01:00:07.260]Okay.
[01:00:08.500]Sincerely, thank you for having me.
[01:00:11.960]I appreciate the opportunity to speak with you guys.
[01:00:14.880]And this is a very serious topic.
[01:00:17.260]There's a lot of data.
[01:00:18.080]It can be pretty dry.
[01:00:19.020]It fascinates me, right?
[01:00:21.320]To me, it's something that's worth working on.
[01:00:23.180]And so I try to make it as much as possible.
[01:00:26.580]It is wonderful to talk to you guys.
[01:00:28.920]I will put my email in the chat.
[01:00:32.940]If you need something, reach out.
[01:00:35.540]If you're interested in joining any of the pillars, reach out.
[01:00:38.820]And you guys want to have me back next year?
[01:00:43.000]We can do that.
[01:00:45.200]See what updates you have.
[01:00:47.340]Yep.
[01:00:48.060]We really appreciate your time and especially being flexible
[01:00:52.740]and presenting at the last minute.
[01:00:55.240]You had to rearrange things.
[01:00:56.960]Good to see everybody.
[01:00:59.500]Have a good rest of your day.
[01:01:00.460]Good to see you all.
[01:01:00.860]Thank you.
[01:01:02.940]Bye.
[01:01:04.220]Bye.
[01:01:04.880]Bye.
[01:01:04.920]Bye.
[01:01:05.000]Bye.
[01:01:06.000]Bye.
[01:01:08.000]Bye.
[01:01:09.000]Bye.
[01:01:10.000]Bye.
[01:01:11.000]Bye.
[01:01:12.000]Bye.
[01:01:13.000]Bye.
[01:01:14.000]Thank you.

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NIFA Housing Resources

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