MHC to Release 2013 State of Metropolitan Housing Report

MHC will release the 2013 State of Metropolitan Housing Report at a press conference and forum on Tuesday, December 10th at noon at the Louisville Urban League, 1535 West Broadway, Louisville, KY.  The report examines nine indicators of fair and affordable housing progress in the 13-county Louisville Metropolitan Statistical Area (MSA).  In addition to the nine measures, this year’s report focuses on renters, a growing segment of the community.

“The State of Metropolitan Housing Report is critically important for the Louisville area as it provides a clear and ongoing record of the challenges we as a community face in making safe, decent, affordable housing available to everyone in our community regardless of race, ethnicity, or income,” said Adam Hall, MHC’s board president and Assistant Vice President, Community Development Relationship Manager II with Fifth Third Bank.  “Without this type of long-term and consistent data, we would be challenged to track our progress and judge the success of efforts to increase and improve the quality of affordable housing in our community,” added Hall.

The report is made possible by the generous support of Louisville Metro Government through the Department of Community Services and Revitalization, Louisville Metro Council Neighborhood Development Fund- with thanks to Metro Councilmembers Marianne Butler, Cindi Fowler, Madonna Flood, Robin Engel, Cheri Bryant Hamilton, Tina Ward-Pugh, Tom Owen, Vicki Aubrey Welch, David James, Barbara Shanklin, Attica Woodson Scott, David Yates, Rick Blackwell, Jim King, Jerry Miller, Dan Johnson, Kelly Downard, Glen Stuckel and Mary C. Woolridge for their support of this year’s report – PNC Bank, BB&T Bank, Fifth Third Bank and the Gannett Foundation.

The data in the 2013 SMHR shows:

  • The 2011 homeownership rate for the Louisville MSA was 63 percent, the lowest rate of homeownership for the Louisville area since the State of Metropolitan Housing Report began tracking the figure in 2003.
  • There were 15,316 homeless students in Jefferson County Public Schools during the 2011-2012 academic year, and an additional 1,091 homeless students in the surrounding Louisville MSA counties.
  • Following the redistricting in November 2011, most Louisville Metro Council districts saw little change in the percentage of subsidized housing units in their respective districts.  Council districts 1, 2, 3, 4, 5, 6, and 15 combined are still home to nearly all (93 percent) of all subsidized units.
  • The median household income for renters in the Louisville MSA is $26,572, which falls short of the income needed to afford a two-bedroom unit at FMR by $2,287 annually.
  • The Louisville MSA saw a total of 4,511 foreclosures in 2012, an increase of 91 percent since 2002, but a decrease of 20 percent from 2011.

The focus topic of the 2013 State of Metropolitan Housing Report is Renters and Rental Housing.  The housing market is Louisville is different from than it was 7 years ago.  We have 49,747 more people living in rental housing units in 2012 than there were in 2005 and slight drop (4,663 fewer people) in the population living in owned housing units (this also represents a 16 percent increase in the number of rental households and a 2 percent decrease in owner households).  Yet rental housing is confined to a really small geographic area in Louisville.  When we look at renters, we see that people under the age of 35 are twice as likely to rent as own.  The significance is that people are older before they purchase a home. Equally interesting is that 22 percent of renters have incomes over $50,000 a year.  More affluent people are choosing to rent.  The future in Louisville may encourage residential tenures that are somewhere between rental and ownership with innovative equity building methods.

The Metropolitan Housing Coalition, made up of over 300 member organizations and individuals, has advocated for fair, safe and affordable housing for all people in the Louisville MSA, often working closely with many grassroots organizations and direct service providers, for more than two decades.

The 2013 State of Metropolitan Housing Report will be available from MHC by calling the office at 502-584-6858 and will be available on-line at as of December 11.

Contacts for the Metropolitan Housing Coalition 

MHC Office Phone Number: (502) 584-6858

Cathy Hinko, Executive Director

Dana Loustalot Duncan, Development Director

Authors of the report: 

Lauren C. Heberle, Ph.D.

Carol Norton, AICP

Allison Smith, Ph.D.

Center for Environmental Policy and Management

University of Louisville

Phone: 502.852.3869


Poor Quality Housing Is Tied to Children’s Emotional and Behavioral Problems

From the MacArthur Foundation:

Housing quality and housing stability matter to children’s well-being, according to MacArthur-supported research detailed in a How Housing Matters Policy Brief. Living in unsafe or unsanitary homes is related to greater emotional and behavioral problems among children and adolescents, and poor housing quality is also related to poorer school performance for older children. Moving frequently is also detrimental to children’s well-being. In contrast, unaffordability had little discernible link to children’s well-being. Much of the effect of poor quality and unstable housing on children was a function of parenting. The strain of living in poor-quality homes or of having to move frequently took its toll on parents, leading to symptoms of depression and anxiety. – See more at:

The Many, Many Jobs That Won’t Earn You Enough to Live in Your City

From Atlantic Cities:

Louisville may not be San Francisco, but with average rent on a 2BR apartment $731 and rising, affordable housing is a struggle for many working families.


HUD has doubts about eminent domain strategy

From Housing Wire: “The pushback against eminent domain is growing. And if the Mortgage Bankers Association needed the backing of the housing agencies and regulators to steer counties away from eminent domain proposals, it looks like they got it…”

Read more at:

More on Richmond, CA’s strategy for underwater mortgages: 

Report: Moving poor people into neighborhood does not cause crime

Atlantic Cities on an important new study:

MHC signs onto joint statement regarding Ohio River bridges tolls

Several local agencies, including MHC, released the following statement on a lack of exception for low-income drivers and public transportation in planning for toll collection on the new Ohio River bridges:

In 2013, the Kentucky General Assembly passed HB 441, amending the tolling statute, KRS 175B.404, for the Ohio River Bridges Project. The amendment “recognizes the potential hardship for low income users” (K.R.S.175B.040 Section 3) and encourages the Kentucky and Indiana Transportation Cabinets and the Kentucky Public Transportation Infrastructure Authority to find ways to mitigate the financial impact of bridge tolls on persons with low incomes and to consider the feasibility of exempting mass transit vehicles from the payment of project tolls.

Unfortunately, the General Assembly’s encouragement was either not enough or fell on deaf ears. The Bridges Project recently announced it was unwilling or unable to consider mitigation or exemption from the tolls and did not include this in the draft plan. Even TARC is not exempted from the $10 charge to buses crossing the bridges.

Due to the Bridges Project’s inability to consider how these tolls will impact those who live and work within this community, it is imperative that we, as a community, speak up and voice our frustration with the current tolling plan. It is important that further considerations be made to help those who will commute to work across the river.

There is an opportunity for those who will be affected by the tolls and for those low income individuals and families in our community to comment on this plan and ask for waivers, tax credits or other discounts. The Bridges Project is intended to promote and develop our regional economy, not serve as an anchor limiting our ability to succeed and compete in the global marketplace.

The agencies below ask you to speak up at the public hearing scheduled for Tuesday, July 23, 2013 from 4-7 p.m. at the Kentucky Center for African American Heritage. If you cannot attend, please comment at

Metropolitan Housing Coalition
Coalition for the Homeless
Association of Community Ministries
Volunteers of America

The above agencies ask you to speak out at the
public hearing scheduled for
Tuesday, July 23, 2013 from 4:00-7:00 p.m.
at the Kentucky Center for African American Heritage, 1701 W Muhammad Ali Blvd.

If you cannot attend, please comment at

Courier-Journal coverage of new MHC utilities publication

9 ways to get help with Louisville home utility costs

On July 11, MHC released our latest publication, How to Lower Utility Costs, a guide to local programs providing assistance to low-income families and individuals for payment of utility bills or help with making homes more energy efficient. The full report is available on our Website and in hard copy at our office.

Read more about the report and the impact of rising costs and falling wages in the story by Courier-Journal reporter Jere Downs at the link above.

Join MHC for release of utilities assistance guide

Join us for the release of our latest report: How to Lower Utility Costs: a Guide to Louisville Programs for Energy Efficient Improvements and Resources to Help Pay a Utility Bill

 Thursday, July 11, 2013, 12:00 p.m.

at New Directions Housing Corporation

1000 E Liberty St  

Louisville, KY 40204

Affordable housing includes access to utilities, including electricity and the ability to adequately heat a home. MHC explored the impact of utilities on the cost of housing in our 2008 State of Metropolitan Housing Report.

This new report highlights rising utility costs and will help connect low-income residents with the resources they need to make their homes more energy efficient or to get assistance with paying a utility bill.


June 18, 2016

The U.S. Department of Housing and Urban Development (HUD) yesterday released the nation’s first-ever national study examining housing discrimination against same-sex couples in the private rental market. The study, An Estimate of Housing Discrimination Against Same-Sex Couples, measures the treatment same-sex couples receive from rental agents when inquiring about apartments advertised online, as compared to how otherwise similar heterosexual couples are treated.

According to HUD’s study, same-sex couples experience unequal treatment more often than heterosexual couples when responding to internet ads for rental units, and findings show that gay male couples experience more discrimination than lesbian couples.


Courier-Journal: Banks slow down foreclosure pace in Louisville

Louisville lenders may be slowing the rate of sale of the homes of struggling borrowers at foreclosure auctions.

Read the full story from Courier-Journal reporter Jere Downs here:

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