Housing Chapter of the Master Plan

In 2015 Town Meeting approved the Master Plan. Following is the Housing chapter of that plan. It contains a great deal of information about details of the housing situation in Arlington, challenges of housing price increases, needs for specialty housing, opportunities for meeting these needs, etc. The authors found that “most cities and towns around Arlington experienced a significant rise in housing values from 2000 to 2010. A 40 percent increase in the median value was fairly common. However, Arlington experienced more dramatic growth in housing values than any community in the immediate area, except Somerville. In fact, Arlington’s home values almost doubled.” This and related data helps explain why the need for affordable housing is now so acute.

A vision for a greener, cooler, more inclusive Arlington takes shape

Some years back, I took a bus ride to a climate rally in New York City with a bunch of other activists. My seatmate was 12 years old, a smart kid from the suburbs who had never been to New York. As we approached Manhattan on the Cross Bronx Expressway, he looked out at a block of concrete apartment buildings and said something like: This is what happens when you don’t care about the environment. Actually, I replied, this is green living: People live close together; they can walk or take public transit; they live in apartments, share walls and heat and are relatively energy efficient; their carbon footprint is far lower than a family in a “green”, leafy single-family suburban house.

But my traveling companion was not altogether wrong about what he saw: New York, Boston, and every other city are now at pains to make a humane, equitable adaptation to a changing climate. We don’t want to create living spaces that bake in the sun’s heat, that have no shade or greenery or open space, surrounded by asphalt and highway, beset with deadly particulate pollution, flooding risk, and polluted stormwater runoff. Heat and air pollution are an expensive and deadly burden that fall especially heavily on low- and middle-income folks — a burden cruelly increasing with climate change.

As we decide what kinds of housing we are going to encourage in Arlington, we can do things in a more compassionate and inclusive way. We can incorporate environmental and aesthetic concerns, while allowing a mix of housing types that accommodate people of diverse incomes, family sizes, and life stages.

We can address both the climate crisis and the crisis-level housing shortage in Greater Boston. Environmental concerns are not a reason to say no to new housing. Rather, they are a part of the housing solution, in Arlington and regionally.

As Laura Wiener detailed in another post, The Housing Corporation of Arlington development at 10 Sunnyside (between Broadway and Mystic Valley Parkway, near Route 16), is an excellent example of implementing environmental/sustainability measures in an affordable (i.e. income-subsidized) multi-family dwelling. It is Passive House certified: An extremely stringent standard, using a combination of advanced and repurposed materials, high- and low-tech, to provide human comfort while bringing energy use to an absolute minimum.* The development features plentiful bike parking and a roof garden. It converts previously impervious pavement to landscaping, like planters, where stormwater can infiltrate the ground rather than carrying unfiltered pollutants into Arlington’s water bodies.

Another example of green infrastructure lives charmingly and unassumingly on some of our street corners. In 2020, Arlington installed rain gardens at the corner of Milton Street and Herbert Road in East Arlington. These little curbside oases act as a kind of green filter for storm water, catching pollutants (Fertilizer! Salt! Dog poop! Oil! Brake dust!) before they reach Alewife Brook and the Mystic River. Perhaps co-sited with new housing, wider buildout of rain gardens could keep nutrient pollution out of Spy Pond, preventing nasty algae growth which literally suffocates other aquatic life.

A caveat: We must take care not to load so many creative requirements onto new housing that it doesn’t get built at all. We need the housing. (See “The Problem with Everything-Bagel Liberalism” by Ezra Klein in the New York Times.) And under the new MBTA Zoning that we are required to implement, we must allow three-family housing in our new multi-family zones by right, i.e. without extra requirements or rigamarole.

But we could decide to add incentives to allow more housing above those requirements if such environmental improvements (rain gardens, green roofs, pollinator habitat, Passive House innovations, etc.) are included. Every new building is an opportunity for environmental adaptation. A vision for a greener, cooler, more inclusive Arlington takes shape. We can do this.

New housing development provides an opportunity to incorporate inclusive, environmentally friendly, win-win adaptations. Our environmental and housing goals must not be in tension with each other. With a coordinated approach, we can address the challenges of pollution, climate change, and our chronic and unjust housing shortage.

*As far as I can tell, only two other buildings in all of Greater Boston are Passive House certified: A new multi-family in Roxbury, and a single-family in Somerville.

Written by Charles Blandy June 11, 2023

What’s important for Housing – a Community Conversation

A portion of Envision Arlington’s town day booth was designed to spark a community conversation about housing. Envision set up a display with six poster boards, each representing a housing-related topic. Participants were given three dots and asked to place them on the topics they felt were most important. There were also pens and post-it notes on hand to capture additional comments. This post is a summary of the results. You could think of it as a straw-poll or temperature check on the opinions of town day attendees.

Social Justice Issues

Aiming for a diverse population by income and race; and being vigilant about identifying and neutralizing barriers to this goal.

197 dots, plus a post-it note that reads “Increasing housing while preserving open space” (with three dots).

Lifestyle Options

Providing for different lifestyles: empty nesters, single millenials, young parents, families, walkable neighborhoods.

149 dots and four post-it notes:

No more new 5-story buildings with no setbacks. Ugly. (3 dots)
Why must we maintain our high carbon footprint with single family homes and cars?
I want to live in a wofati (eco building) (Woodland Oehler Freak-Cheap Annualized Thermal Intertia). Not so legal, one day the norm. Thank you Arlington.
Connect to transit. Less single family housing with dedicated parking.

Housing Affordability

Affordable housing from subsidies, from construction of smaller units, or from building more housing to reduce the bidding price on current Arlington homes.

308 dots, with 10 post-it notes

We don’t need more housing. People need to be able to afford to stay in their homes.
Get Arlington out from the clutches of real estate lobby. (1 dot)
Wrong categories. Includes affordable housing and development which displaces low and moderate income housing
Restrictions on teardowns of small homes
Keep older apartment buildings. They are cheap and affordable.
Rent control and oversight. “I can only afford to stay because I live in a place that is not secure and in disrepair.”
Rent control. Please reinstate so that rent is affordable.
“Affordable” subsidized housing invades your privacy. Every year need all bank stubs, 401(k), like a criminal.
Build more housing. Build more duplexes, triplexes, etc. Upzone neighborhoods. More transit corridors. Renew calls for a red line stop. Build up the downtown to encourage more density and housing in the same buildings as businesses. More housing + transit = a better society.
Protect neighborhoods

This was clearly the topic that drew the most response. Arlington housing is expensive.

Maximizing Flexibility of Home Space

Providing for aging parents or childcare providers with a place in your home or getting help paying the mortgage by having a rentable space.

81 dots, and three post-it notes:

Change zoning to allow accessory dwelling apartments (aka ADUs, granny flats, in-law apartments) (1 dot)
Want nearby widowed mom to live in own house.
Accessible rentals, not up 3 flights of stairs.

Doing more with Existing Resources

Examining current Arlington Housing Authority, Housing Corporation of Arlington, and aging apartment buildings for addressing new housing needs.

143 dots, and five post-it notes:

Fix transportation infrastructure. Peope can live farther out and still get to work. (4 dots)
Extend red line to Arlington center and heights. (7 dots)
None of the above. Keep taxes low. (1 dot)
Accessible for aging residents. Age in place.
Do something about empty store fronts.

Setting a ten-year goal for new housing

Determining what Arlington’s housing goals should be, and setting about following through on the necessary zoning and incentives to get what we want.

119 dots, and three sticky notes:

Why is America low-density? Why is this country slave to the auto? More housing near transit!
Who is “we”?
There is too much housing density now. Need business area to attract business.

Observations

As noted earlier, the cost of housing seemed to be the main issue of concern. This is understandable: housing prices in Arlington (and the region in general) have been on an escalator ride up since about 2000 or so. That’s led to our current high cost of housing, and also to a form of gradual gentrification. When housing is more expensive than it was last year, a new resident in town has to make more money (or be willing to spend more on housing) than last year’s new resident.

I see at least two broad responses to this: one is to keep the status quo, perhaps returning to the inexpensive housing of decades past. The other is for more multi-family housing, and more transit-oriented development. It will be interesting to see how these dynamics play out in the future.

There’s also recognition of the importance of older “naturally affordable” apartment buildings. Arlington was very pro-growth in the 1950s and 1960s; that’s fortunate, because it allowed these apartments to be built in the first place. On the downside, we haven’t done a good job of allowing new construction into the pipeline during recent decades. Buildings depreciate, so a new building is worth more than one that’s ten years old, which is worth more than one that’s twenty years old, and so on. At some point, the old apartments are likely to be refurbished/upgraded, and they’ll become more expensive as a result.

This is only the beginning of the conversation, but at least we’re getting it going.

Accessory Dwelling Units ADU ADU's Affordability Arlington housing needs Envision Arlington Town Day

Written by Steve Revilak September 15, 2019

Housing
News

AMI Explained

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.

Affordable housing AMI area median income

Written by Guest Writer December 4, 2024

News

Zoning Map for Affordable Housing Bonuses

Written by Steve Revilak April 15, 2019

It’s a great time to own

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.

Housing Production Plan

Written by Steve Revilak January 23, 2022