The presentation, dated March 11, 2019, includes slides used to present the information necessary to understand the rationale for zoning changes, the location of the zoning areas under consideration and the charts, tables and maps that help describe the situation. The proposed zoning changes, especially articles 6, 7, 8, 11 and 16, only cover changes affecting about 7% of the Town, those parts of the Town that are currently zoned R4-R7 and the B zoning districts.
Related articles
Dave Weinstock, an Arlington resident interested in affordable housing wondered about the concept of “developer math”. The math involved in planning an affordable housing projects is a problem that needs to get solved in order to have anything built here in Arlington, or anywhere. This topic comes up frequently in community discussions about the need for more housing.
Questions are raised around:
- 1- Why build so many units vs. smaller buildings
- 2- Why parking is costly and inefficient use of land
- 3- Why can’t more affordable or all affordable units be built?
- 4- The cost of subsidizing affordable units and how that may translate to higher rental rates/costs, etc.
Dave found a great Architecture and Development firm in Atlanta (Kronberg Urbanists + Architects, based in Atlanta GA) that lays out a nice presentation, includes sample proformas, and real life scenarios that may help us understand this piece of the puzzle better when evaluating any project and how developers may be incented to build certain types of projects or do certain types of work.
Here is a link, reformatted to be within this website, to the presentation, showing the varieties of choices, costs, formulas and outcomes developers consider before deciding if the project can be built: https://equitable-arlington.org/developer-math_kua_071420/
Much of our hope for more affordable housing depends on the market forces of capitalism and the willingness of developers to build for good, not just for profit. But the developers must be able to cover their costs. Many communities are highly skeptical of developers, assuming the community will get tricked, the developer will get greedy and the promised housing will be a disappointment. Trust is needed. But so is verification. We all need to learn the developer math.
What are the math factors that a developer considers before deciding to build affordable housing?

Here is a link to the original presentation. https://www.kronbergua.com/post/mr-mu-let-s-talk-about-math

The kick-off event for updating Arlington’s Comprehensive Plan (formerly called the Master Plan) is just around the corner on April 3rd from 7-8:30 PM in the Arlington High School Cafeteria!
A Comprehensive Plan is a long-range plan for the Town, and an opportunity for the community to come together and imagine what Arlington could look like in ten or fifteen years. It covers things like housing, business development, parks and open spaces, town services and facilities, and transportation. The kickoff meeting is the first step in building that vision.
Arlington residents of all ages are invited to attend this event, where you can expect a presentation followed by small group discussions. The effort will continue throughout the year, and it’s important to hear from as many residents as possible. Please join if you can!
For more information and to add the meeting to your calendar, see ArlingtonMA.gov/CompPlan.
Article 16 is a proposal to encourage the production of affordable housing in the town of Arlington. I brought this article to town meeting for several reasons, namely, our increasing cost of housing and our increasing cost of land. Arlington is part of the Metropolitan Boston area; we share borders with Cambridge, Somerville, and Medford, and are a mere 5.5 miles from Boston itself. Years ago, people moved out of cities and into the suburbs. That trend has reversed during the last decade, and people are moving back to urban areas, including Metro-Boston. Metro-Boston is a good source of jobs; people come here to work and want to live nearby. That obviously puts pressure on housing prices, and Arlington is not immune from that pressure.
Another reason for proposing Article 16 was my desire to start a conversation about the role our zoning laws play in the cost of housing, and how they might be used to relieve some of that burden. During the 20th century people discovered that one cannot draw a line on a map and say “upper-class households on this side, lower-class households on that side”, but one can draw a line on a map and say “single-family homes on this side, and apartments on that side”. For all practical purposes, the latter achieves the same result as the former. When zoning places a threshold on the cost of housing, it determines who can and cannot afford to live in a given area.
Today 70% of Arlington’s land is exclusively zoned for single family homes, the predominant form of housing in town. In 2013, the median cost of a single-family home was $472,850; this rose to $618,800 in 2018 — an increase of 31%. We can break this down further. The median building cost for a single-family building rose from $226,300 in 2013 to $248,100 in 2018 (an increase of 9.6%), and the median cost for a single-family lot rose from $243,700 to $360,900 (an increase of 48%). Land is a large component of our housing costs, and it continues to rise. Certain neighborhoods (e.g., Kelwyn Manor) saw substantial increases in land assessments in 2019, enough that the Assessor’s office issued a statement to explain the property tax increases. To that end, multifamily housing is a straightforward way to reduce the land costs associated with housing. Putting two units on a lot instead of one decreases the land cost by 50% for each unit.
Article 16 tries to encourage the production of affordable housing (restricted to 60% of the area median income for rentable units and 70% for owner-occupied units). It works as follows:
- Projects of six or more units must make 15% of those units affordable. This is part of our existing bylaws.
- Projects of twenty or more units must make 20% of those units affordable. This is a new provision in Article 16.
- Projects of six or more units that produce more than the required number of affordable units will be eligible for density bonuses, according to the proposed section 8.2.4(C). Essentially, this allows a developer to build a larger building, in exchange for creating more affordable housing.
- Projects of six or more units that produce only the required number of affordable units are not eligible for the density bonuses contained in 8.2.4(C).
- Projects of 4-5 units will be eligible for the density bonuses in section 8.2.4(C), as long as they are of a use, and in a zone contained in those tables. This provision is intended to permit smaller apartments and townhouses, filling a need for residents who don’t necessarily want (or may not be able to afford) a single-family home. This provision can help reduce land costs by allowing a four-unit townhouse in place of a duplex, for example.
Historically, Arlington has had mixed results with affordable housing production, mainly due to the limited opportunity to build projects of six units or more. It is my hope that the density bonuses allow more of these projects to be built.
In conclusion, the problem of housing affordability in Arlington comes from a variety of pressures, is several years in the making, and will likely take years to address. I see Article 16 as the first step down a long road, and I ask for your support during the 2019 Town Meeting. I’d also ask for your support on articles 6, 7, and 8 which contain minor changes to make Article 16 work properly.
State Representatives Dave Rogers (Arlington, Belmont and Cambridge) and Sean Garballey (Arlington, Medford) have sent a letter to Town Meeting Members backing the MBTA Communities Plan. They write:
We believe the plan in front of Town Meeting provides a meaningful framework to address the housing shortage in Arlington.
To read the full letter, click here for PDF.
A few days ago, the Boston Globe ran an article titled “2021 set records in Boston Housing Market. What now?“. It’s not unusual to see stories about housing in the news — the market is highly competitive and the sale prices can be jaw dropping. Jaw dropping can take several forms: from the new (and used) homes that sell for over two million dollars, to the amount of money that someone will pay to purchase a small post-war cape (around $900,000, give or take).
According to the globe article, the Greater Boston Association of Realtors estimates that the median price of a single family homes in the Boston area rose 10.5% in 2021, to $750,000. Arlington is comfortably in the upper half of this median: according to our draft housing production plan the median sale price of our single family homes was $862,500 in 2020, and rose to $960,000 in the first half of 2021 (see page 39).
In June 2021, I got myself into a habit of sampling real estate sales listed in the Arlington Advocate, and compiling them into a spreadsheet. My observations are generally consistent with the sources cited above; Arlington’s housing is expensive and it’s appreciated rapidly, particularly in the last 6–10 years. It’s a great time for existing owners, but less so if you’re in the market for your first home.
We’re actually facing two problems, which are related but not identical. The first is high cost, which creates financial stress and a barrier to entry (though it is a boon for those who sell). The second problem is quantity; there are regional and national housing shortages, and that contributes to high prices and bidding wars.
Addressing these challenges will require collective effort on behalf of all communities in the metro area; this is a regional problem and we’ll all have to pitch in. There isn’t a single recipe for what “pitching in” means, but here are some for what communities can do.
First, produce more affordable housing. Affordable housing is a complex regulatory subject, but it basically boils down to two things: (1) the housing is reserved for households with lower incomes than the area as a whole, and (2) there’s a deed restriction (or similar) that prevents it from being sold or rented at market rates. Affordable housing usually costs more to produce than it generates in income, and the difference has to be made up with subsidies. It takes money.
Second, simply produce more housing. This is the obvious way to address an absolute shortage in the number of dwellings available. Some communities have set goals for housing production. Under the Walsh administration, Boston set a goal of producing 69,000 new housing units by 2030. Somerville’s goal is 6000 new housing units, and Cambridge’s is 12,500 (page 152 of pdf). To the best of my knowledge, Arlington has not set a numeric housing production goal, but it’s something I’d like to see us do.
Finally, communities could be more flexible with the types of housing they allow. Arlington is predominantly zoned for single- and two-family homes. The median sale price of our single family homes was $960,000 during the first half of 2021, and a large portion of that comes from the cost of land. That’s the reality we have, and the existing housing costs what it costs. So, we might consider allowing more types of “missing middle” housing, where the per dwelling costs tend to be lower: apartments, town houses, triple-deckers, and the like.
Of course, this assumes that our high cost of housing is a problem that needs to be solved; we could always decide that it isn’t. In the United States, home ownership is seen as a way to build equity and wealth. It’s certainly been fulfilling that objective, especially in recent years.
A recently constructed project with 44 units of affordable housing shares a footprint with a new public library in this Chicago neighborhood. The Mayor and the Housing Authority initiated a competition for proposals from architecture firms to build projects that feature the “co-location” of uses, “shared spaces that bring communities together”, according to a recent article by Josephine Minutillo in ARCHITECTURAL RECORD (October 2019).
This project is an excellent example of how a municipal policy (increasing affordable housing) can drive creativity to meet policy goals. This project resulted from a combination of publicly owned land, municipal initiative, a quasi public housing agency expertise and a private architecture/ developer with a commitment to affordable housing. Could a project like this work in Arlington MA?
(This post originally appeared as a one-page handout, distributed at The State of Zoning for Multi-Family Housing in Greater Boston.)

This chart shows the assessed value of Arlington’s low density housing from 2015–2019 (assessed values generally reflect market values from two years prior). During this time, home values increased between 39% (single-family homes) and 48% (two-family homes). Most of the change comes from the increasing cost of land. As a point of comparison, the US experienced 7.7% inflation during the same period. (1)
Arlington has constructed six apartment buildings in the 44 years since the town’s zoning bylaw was rewritten in 1975; we constructed 75 of them in the preceding 44 years.(2) Like numerous communities in the Metro-Boston area, we’re experiencing a high demand for housing, but our zoning regulations have created a paper wall that prevents more housing — including affordable housing — from being built.
Communities need adequate housing, but they also need housing diversity: different types of housing at different price points. The housing needs of young adults are different than the housing needs of parents with children, which are in turn different than the housing needs of senior citizens. As demographics change, housing needs change too. Keeping people in town means providing them with the opportunity to upsize or downsize when the need arises.
If Arlington’s housing costs had only increased with the rate of inflation, the cost of single family housing would average $581K, over $170K less than today. The median household income in Arlington is about $103K/year.(3) Buying an average single family-home with that income on a typical 30-year mortgage would require approximately 46% of a household’s monthly income.(4)
Either homes in Arlington will only be available to people who have much more substantial incomes than current residents, or the town will find a way to balance the rapidly growing cost of land against the housing needs of its current citizens, those still in school, those preparing to downsize as well as those looking for a bigger space.
In addition, Arlington’s commercial economy will thrive with a greater number of housing units so we can keep the empty nesters, and the new college graduates who have lived in the town for years, as well as welcome new Arlingtonians to support our local businesses, restaurants and other services.
Our Town, like others in the state, is looking for ways to balance the needs of our citizens with the market forces of rising land costs while maintaining a healthy, diverse community.
Footnotes
- The inflation amount comes from Inflation amount from https://data.bls.gov/cgi-bin/cpicalc.pl.
- Figures on multi-family unit construction are taken from Arlington Assessor’s data. They reflect multi-family buildings that are still used as rental apartments.
- Income levels come from 2013-2017 ACS 5-year data for Arlington, MA.
- Assuming 10% downpayment, 4% interest, $800/year for insurance, and Arlington’s $11.26 tax rate, the monthly mortgage payment would be nearly $4000/month.
During the last few months, Arlington’s Department of Planning and Community Development and Zoning Bylaw Working Group have been conducting a study of the town’s industrial districts. The general idea has been to begin with an assessment of current conditions, and consider whether there are zoning changes that might make these districts more beneficial to the community as a whole.
To date, the major work products of this effort have been:
- A study of existing conditions, market analysis, and fiscal impact. Among other things, this slide deck will show you exactly where Arlington’s industrial districts are located.
- A set of test build scenarios.
- An initial set of zoning recommendations. These are high level ideas; they’d need further refinement to fit into the context of our zoning bylaws.
- A survey, to gather public input on several of the high-level recommendations.
The survey recently closed. I asked the planning department for a copy of they survey data, which they were generous enough to provide. That data is the subject of this blog post.
The survey generally consisted of pairs of questions: a yes/no or multiple choice, coupled with space for free-form comments. I’ll provide the yes/no and multiple choice questions (and answers!) here. Those interested in free-form commentary can find that in the spreadsheet linked at the bottom of this article.
208 people responded to the survey.
Industrial Zoning questions
(1) Which of the following uses would you support in the Industrial Districts? (check all that apply) (208 respondents)
| Industrial | 62.02% |
| Office | 76.92% |
| Breweries, Distilleries, and Wineries | 86.06% |
| Mixed Use (Office and Industrial Only) | 67.31% |
| Food Production Facilities | 55.77% |
| Flexible Office/Industrial Buildings | 68.27% |
| Coworking Space | 68.75% |
| Maker Space | 63.46% |
| Vertical Farming | 65.38% |
| Work Only Artist Studio | 63.94% |
| Residential | 42.79% |
| Other (please specify) | 12.02% |
(2) Would you support a waiver of the current 39-foot height maximum to allow heights up to 52 feet if the Applicant had to meet other site design, parking, or environmental standards? (207 respondents)
| Yes | 74.40% |
| No | 22.22% |
(3) Would you support a small reduction in the amount of required parking by development as an incentive to provide more bike parking given the districts’ proximity to the Minuteman Bikeway? (208 respondents)
| Yes | 68.27% |
| No | 30.77% |
(4) Would you support a variable front setback of no less than 6 feet and no more than 10 feet to bring buildings closer to the sidewalk and create a more active pedestrian environment? (207 respondents)
| Yes | 66.18% |
| No | 28.50% |
(5) Would you support zoning changes that require new buildings in the district to have more windows and greater building transparency, as well as more pedestrian amenities such as lighting, landscaping, art, or seating? (207 respondents)
| Yes | 81.64% |
| No | 13.53% |
Demographic questions
(7) Do you….(check all that apply) (206 respondents)
| live in Arlington | 99.51% |
| work in Arlington | 23.79% |
| own a business in Arlington | 9.71% |
| work at a business in one of Arlington’s industrial districts | 1.46% |
| own a business in one of Arlington’s industrial districts | 1.46% |
| patron of Arlington retail and restaurants | 76.70% |
| elected official in Arlington | 6.80% |
(8) What neighborhood do you live in? (207 respondents)
| Arlington Heights | 30.43% |
| Little Scotland | 2.42% |
| Poet’s Corner | 0.97% |
| Robbins Farm | 5.80% |
| Turkey Hill/ Mount Gilboa | 11.11% |
| Morningside | 4.35% |
| Arlington Center | 10.14% |
| Jason Heights | 8.21% |
| East Arlington | 20.77% |
| Kelwyn Manor | 0.00% |
| Not Applicable | 0.48% |
(9) How long have you lived in Arlington? (207 respondents)
| Under 5 years | 19.32% |
| 5 to 10 years | 15.46% |
| 10 to 20 years | 19.81% |
| Over 20 years | 45.41% |
According to US Census data [1], 72% of Arlington’s residents moved to Arlington since the beginning of the 2000’s (i.e., 20 years ago or less). The largest group responding to this survey has lived here 20+ years, implying that the results may be more reflective of long-term residents opinions.
(10) Please select your age group (199 respondents)
| Under 18 | 0.00% |
| 18-25 | 1.01% |
| 26-35 | 13.57% |
| 36-45 | 22.11% |
| 46-55 | 25.13% |
| 56-65 | 20.60% |
| 66-80 | 16.58% |
| 80+ | 1.01% |
(11) What is your annual household income? (188 respondents)
| $0-$19,999 | 1.06% |
| $20,000-$39,999 | 1.60% |
| $40,000-$59,999 | 5.32% |
| $60,000-$79,999 | 9.04% |
| $80,000-$99,999 | 4.79% |
| $100,000-$149,999 | 23.94% |
| $150,000-$200,000 | 17.55% |
| More than $200,000 | 36.70% |
Full Survey Results
As noted earlier, the survey provided ample opportunity for free-form comments, which are included in the spreadsheet below. There were a number of really thoughtful ideas, so these are worth a look.
Arlington Industrial District Survey
Footnotes
[1] https://censusreporter.org/profiles/16000US2501640-arlington-ma/, retrieved August 10th, 2020