A municipality’s master plan is intended to set the vision and start the process of crafting the future of the municipality in regard to several elements, housing, history, culture, open space, transportation, finance, etc. Arlington began a very public discussion about these issues and the development of the Master Plan in 2012. In 2015, after thorough community wide discussion, the Master Plan was adopted by Town Meeting. This year, 2019, the focus is on passing Articles that will amend the current zoning bylaws in order to implement the housing vision that was approved in 2015.
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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
by Steve Revilak
The term “AMI” or “Area Median Income” comes up in almost any discussion about affordable housing, because it’s used to set rents and the household incomes for people who are eligible to live in affordable dwellings. AMI is a fairly technocratic concept and my goal is to make the concept (and the numbers) easier to understand.
AMIs are set each year by the U.S. Department of Housing and Urban Development; broadly speaking, an AMI is the median income of a region. Arlington is part of the “Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area” which consists of more than 100 cities and towns in Massachusetts and New Hampshire. Median incomes represent the “middle” family income of an area—half of households make more, and half make less.
In the process of turning median incomes into income limits, HUD also considers household size: larger households are assigned larger AMI limits than smaller ones, in order to reflect the higher cost of living for more family members.
How do these limits translate into affordable housing regulations? Arlington’s affordable housing requirements (aka “inclusionary zoning”) require that rents for affordable units be priced for the 60% area median income, but the dwellings are available to households making up to 70%. Let’s show an example with some numbers.
| Household size | 60% Income Limit | 70% Income Limit | 60% Rent |
|---|---|---|---|
| 1 | $68,520 | $79,940 | $1,717/month |
| 2 | $78,360 | $91,420 | $1,959/month |
| 3 | $88,140 | $102,830 | $2,203/month |
HUD considers an apartment suitable for a household if it has one bedroom less than the number of household members, so a two-bedroom apartment would be suitable for a household of three, a one-bedroom would be suitable for a household of two, and a studio would be suitable for a household of one. The monthly rent for a two-bedroom apartment would be calculated as follows: $88,140 ÷ 12 × 30% = $2,203. The 30% comes from HUD’s rule that affordable housing tenants should not be cost-burdened, meaning that they pay no more than 30% of their income in rent.$88k or $102k/year can seem like a lot of money (and once upon a time it was). To get a better sense of what these income levels mean, I looked into what kinds of jobs pay these wages. To that end, I found wage information from the Arlington Public Schools report to Town Meeting, the Arlington town budget, and wage data from the Bureau of Labor Statistics. Here are a few scenarios:
Scenario 1: single adult
Scenario 1 represents a single adult living alone, and earning between $68,520 and $79,940. Jobs in this pay range include:
- Elementary classroom teacher ($62,000 – $75,000)
- Town planner ($75,000 – 79,000)
- Animal Control Officer ($72,000)
- Firefighter ($73,640)
- Librarian ($70,395)
- Lab Technician ($70,710)
- Social Worker ($71,470)
- Subway operator ($72,270)
- Licensed Practical Nurse ($75,690)
- Paralegal ($77,500)
- Chef ($78,040)
- Carpenter ($78,000)
Scenario 2: single parent with household of two
Scenario 2 represents a single parent earning between $78,360 and $91,420/year. Jobs in this pay range include:
- Office Manager – Assessor’s office ($80,399)
- Assistant Town Clerk ($77,375)
- Town Engineer ($74,000 – $80,000)
- Police Department Patrol Officer ($87,000)
- Town Budget Director ($88,488)
- Telecommunications equipment installer ($80,350)
- Plasterer and Stucco Mason ($82,250)
- Electrician ($82,380)
- Cement Mason ($86,250)
- Plumber and pipe fitter ($90,580)
Scenario 3: household of two, both adults
Scenario 3 has two adults, each earning $39,180 – $45,710 per year. Jobs in this salary range include several that we’ve come to know as “essential workers” during the pandemic.
- Special education teaching assistant ($34,290)
- Arlington Public Schools Paraprofessional ($36,290 – 42,440)
- Substitute Teacher ($34,921)
- Inspectional Services Record Keeper ($44,481)
- Food preparation worker ($39,590)
- Bartender ($39,730)
- Childcare worker ($40,470)
- Ambulance Driver ($40,890)
- Waiter ($41,440)
- Pharmacy aide ($41,460)
- Bank teller ($42,270)
- Tailor and dressmaker ($43,790)
- Restaurant cook ($44,140)
You may have noticed gaps in these lists — for example, there are no jobs listed in the $50,000 – $60,000 range because it’s in between the income limits for one- and two-income households. It’s also worth noting that a fair number of town employees’ salaries would qualify them for affordable housing (the town is Arlington’s largest employer).
So who qualifies to live in affordable housing? People with a lot of ordinary, working-class jobs, including many town employees.
(By Vince Baudoin and James Fleming)
Could Arlington be better using its curb space? Here are some ways the curb can be used to create green infrastructure, promote public safety and accessibility, support sustainable transportation, strengthen business districts, and enable new ‘car-light’ development.
Roughly six inches high and made of concrete or granite, the curb marks the edge of the roadway, channels runoff, protects the sidewalk, and gathers stray leaves. When not assigned any other use, the space in front of the curb it usually serves as free storage for personal automobiles.
Yet the humble curb is a limited resource that can serve the community in many more ways. Have you thought about how your town budgets its curb space? For that matter, has your town thought about how it budgets its curb space?
While Arlington mostly uses its curb space for parking, some areas have other curb uses designed to achieve a specific goal. Consider the streets you use often. Have you seen an unsolved problem, or a missed opportunity, that a different use of the curb could help solve?
Create green infrastructure
The Town has miles of paved roadway. When it rains or snows, water runs into storm drains, carrying salt, oil, and other pollutants with it. The storm drains dump these pollutants directly into long-degraded waterways such as the Mill Brook, Alewife Brook, and the Mystic River. The Public Works department struggles to keep grates clear and drains from overflowing.
One solution: Use the curb for more greenery! The curb can be extended to create a rain garden or tree planting strip. The rain garden helps slow runoff and filter the water before it enters the drain, while trees benefit from additional room for the roots to grow without damaging the sidewalk. A side benefit: narrowing the street encourages drivers to slow down, making neighborhoods safer.

Promote public safety and accessibility
Often, portions of the curb are set aside for public safety purposes. For example, a fire lane provides fire department access to key buildings, such as the high school, shown below. Fire hydrants also enjoy special curb status.

Other times, no-parking zones are established to enhance the free flow of traffic, such as here at Broadway Plaza:

Where pedestrian crosswalks are present, a curb extension is a key safety enhancement. By narrowing the roadway, the curb extension encourages drivers to slow down and look for pedestrians. For pedestrians, it reduces the distance they must cross and prevents cars from parking directly next to the crosswalk and blocking visibility.

Finally, accessible parking spaces can be created along the curb. Arlington has at least 50 designated permit-only on-street parking spaces that provide convenient parking for residents with mobility issues or other disabilities.

Support sustainable transportation
When the curb is mostly used for cars, it is easy to overlook how curbside facilities can enhance other forms of transportation.
In the space of one or two parked cars, this bikeshare station offers space for 11 bikes. However, because it is installed on the roadway, it must be removed every winter so that snow can be cleared. If the curb were extended, the bikeshare station could be used year-round. Another nice feature is bicycle parking: the space to park one car can be used to park six or more bicycles.

A bus stop allows buses to pull to the curb. In some cases, it is appropriate to extend the curb so the bus would stop in the traffic lane; otherwise, it may experience delays when it merges back into traffic.

A bus priority lane provides a dedicated right of way for buses, helping to improve on-time performance. To date, these lanes extend only a few hundred feet into Arlington along Mass Ave. They have proven beneficial in many other communities.

Bike lanes, particularly if they are separated from cars by a physical buffer, greatly enhance the safety and comfort of people traveling on two wheels.
But with a limited roadway width, adding bike lanes is difficult unless the community is flexible enough to consider consolidating curb parking on one side of the street, or moving it to side streets entirely.

Finally, the Town could expand the use of on-street spaces for electric vehicle charging stations, such as this one on Park Ave:

Strengthen business districts
Nowhere is the curb more valuable than in business districts. Businesses thrive when their customers have a convenient way to reach them. Metered parking encourages people to park, do their business, and move along so another patron can take that space. Revenue from parking meters can be spent to improve the business district–for example, by planting flowers and trees.

Metered parking is not the only valuable use of curb space in a business district. Outdoor dining is a way the Town can directly support its restaurants by enabling them to serve additional customers. Here is one example in Arlington Center:

And in Arlington Heights:

Other valuable curb uses in business districts include taxi stands and loading zones. Loading zones in particular are crucial to businesses’ success and help prevent the street from being clogged by early-morning delivery trucks, late-night food-delivery vehicles, and everything in between.
Enable new ‘car-light’ development
With high housing costs and a relatively small commercial tax base, Arlington could benefit from some kinds of development. However, land is valuable and lots are small, so if new buildings are required to have large parking lots, it is very difficult to build new homes and businesses. Plus, large parking lots bring more cars and more traffic. But better curb management can help resolve this dilemma, supporting car-light development that is more sustainable and affordable.
For example, on-street permit parking can enable nearby development with few or no off-street parking spaces. New housing or businesses are a better use of land than parking and will generate more property tax revenue. When parking permits are priced appropriately, they are available to residents who need them but discourage households from adding extra cars they do not need.
Take these hillside houses: access to on-street parking made it possible to build on a steep hillside, where it would have been too expensive and difficult to blast to create off-street parking.

Conclusion
Ask your town leaders if they have a curb management strategy. Is the Town using its limited curb space in support of goals such as green infrastructure, public safety and accessibility, public transportation, local business, and car-light development?

by Laura Wiener
If you’ve lived in Arlington for a while, your housing costs, whether you rent or own, might be well below what they are for newcomers. Perhaps you, or someone you know is experiencing scary annual rent increases, or would like to buy a house but can’t get near Arlington’s $1 million-plus median price tag.
Arlington, and much of the Commonwealth, has a shortage of housing that is driving up housing prices and increasing homelessness. Renters are particularly hard hit, with median rents over $2500/month. About 1/3 of Arlington’s renters pay more than 30% of their income for housing. In order to get that rent down to something affordable for a low-income household, subsidies are needed. Arlington has been very supportive of building affordable housing, using its CDBG (Federal Community Development Block Grant) and CPA (local Community Preservation Act) funds to that end. It has also worked cooperatively with the Arlington Housing Authority and Housing Corporation of Arlington in support of their affordable housing projects. These subsidy dollars are necessary but not sufficient for building affordable housing.
Land cost is one thing that makes building any housing expensive, and one way to decrease the cost of building affordable housing is to allow more units to be built on a given piece of land. But our zoning limits much of our town to single- and two-family homes on a lot. The Affordable Housing Overlay allows more units to be built on a lot, throughout the Town, and targets those who need it most—low-income households.
A zoning overlay is an alternative set of zoning requirements that can be applied on a piece of land. A builder can choose to build under the alternative Overlay Zoning rules, or under the original zoning, known as the Underlying Zoning. In this case, the proposed Affordable Housing Overlay Zoning can be applied anywhere, on any lot, if at least 70% of the units are priced to be affordable to a household at or below 60% of median income. If 70% of units are affordable, then the structure can be up to 2 stories taller than with the underlying zoning. In addition, any number of units can be built, so long as yard and setback requirements are met. One additional change is that the parking requirement would be a minimum of ½ space per unit. This reflects the actual parking usage at existing affordable housing owned by the Housing Corporation of Arlington. This proposal includes both rental and ownership units that are affordable.
A group of Arlington residents is proposing an amendment to our current zoning to include an Affordable Housing Overlay. This proposal will come before the Redevelopment Board for hearings in winter 2025 (probably during February or March), and then go to Town Meeting in spring 2025. There has already been one informational meeting on November 7 (slides and video), and there may be additional public informational meetings scheduled.
The citizen participation process including presentations, discussions, public hearings, letters and comments has been long and arduous. The issues are complicated and sometimes feelings run high. In such situations, there can be a feeling that citizens have not been heard. This document, “Guide to Zoning Amendments Related to Multifamily Uses and Mixed-Use“, summarizes many of the issues that have been raised and the changes that have been made in the zoning Articles as a result of the citizen participation in the public review process. Citizens have been heard.

(published June, 2019)
Overview
To solve the extraordinarily large deficit in housing for the greater Boston region, over 180,000 units of new housing should come on line in the next few years. This deficit is the result of a rapid expansion in in-migration due to new job creation, with no commensurate increase in housing production for the people taking those new jobs.
The report concludes that zoning is a primary culprit in restricting the development of an adequate housing supply, creating a “PAPER WALL” keeping out newcomers. The cost of this inadequate supply is a huge demand for housing which, in turn, bids up the price for available housing. The following “culprits” are considered: inadequate land area zoned for multi-family housing; low density zoning; age restrictions and bedroom restrictions; excessive parking requirements; mixed use requirements and approval processes. Alternative zoning models are suggested.
Elements such as “Approval Process”, “Mixed Use”, “Village Centers vs Isolated Parcels” and “Building Up or Building Out” are considered.
Researcher Amy Dain reports on two years of research into the regulations, plans and permits in the 100 cities and towns surrounding Boston. The research was commissioned by the Massachusetts Smart Growth Alliance and funded collaboratively with: Citizens’ Housing and Planning Association, Home Builders & Remodelers Association of Massachusetts, Massachusetts Association of Realtors, Massachusetts Housing Partnership, MassHousing, and Metropolitan Area Planning Council.
For the full report see: https://ma-smartgrowth.org/wp-content/uploads/2019/06/03/FINAL_Multi-Family_Housing_Report.pdf
For a power point slide presentation see: https://ma-smartgrowth.org/wp-content/uploads/2019/06/04/DainZoningMFPresentationShare2019.pdf
For the Executive Summary see: https://equitable-arlington.org/wp-content/uploads/2019/07/June-2019-Multi-Family-Housing-Report_Executive-Summary.pdf

Massachusetts is experiencing a housing affordability crisis and a climate crisis. For these reasons, Mothers Out Front Arlington supports changes in zoning by-laws that allow greater density in housing near public transit. Mothers Out Front is supportive of the passage of a meaningful MBTA Communities Act that encourages the development of more multi-family housing and a greater diversity of home types in Arlington. A revised zoning by-law to allow for more multi-family housing will reduce pressure to build single family homes on undeveloped land elsewhere in Massachusetts. This safeguards undisturbed ecosystems and provides real alternatives to automotive commutes in the region, reducing both congestion and fossil fuel emissions. In addition, passing this by-law will allow Arlington to participate in the Massachusetts pilot for communities to build fossil fuel-free homes, thus ensuring that new construction in Arlington supports our net-zero climate goals.
Mothers Out Front Arlington respects the public engagement activities that inform the Working Group’s MBTA Communities Act proposal. We appreciate that the Working Group is working with the Town to identify opportunities for developer incentives to encourage public open spaces, mitigate heat islands, and increase the tree canopy. Similarly, the Town’s commitment to maintaining current (and incentivizing higher) zoning requirements for affordable housing also is important to our group. For these reasons, Mothers Out Front Arlington strongly urges the Arlington Redevelopment Board to accept the MBTA Communities Act plan as proposed by the Working Group.
This 102 page document is the most recently revised set of recommendations by the Town of Arlington’s Redevelopment Board. The report takes into consideration the comments and information provided over the last few months’ public hearing process. It also incorporates a citizen petition which strengthens the case for increasing permanent affordable housing with the passage of these zoning related Articles. Town Meeting convenes on April 22, 2019.