

State Senator Cindy F. Friedman has written a letter to Town Meeting Members supporting Warrant Article 12 and a meaningful MBTA Communities Plan. She writes:
We all want Arlington and Massachusetts to remain welcoming, accessible places to live. In addition to our deficit of housing, I recognize the importance of encouraging smaller, more sustainable housing in walkable areas. Arlington’s Warrant Article 12 will provide a meaningful framework for making progress in these areas. The problems we are experiencing now —out of reach housing prices for new construction and existing homes — exacerbate the crisis and are seriously threatening the economic vibrancy of our communities.
To read Friedman’s full letter, click here for the PDF.
According to Richard Rothstein in his 2017 book, Color of Law: A Forgotten History of How Our Government Segregated America, “we have created a caste system in this country, with African-Americans kept exploited and geographically separate by racially explicit government policies,” he writes. “Although most of these policies are now off the books, they have never been remedied and their effects endure.” Zoning was one of the policies that contributed significantly to this outcome.
Here are some highlights, selected for Arlington readers, from this book:
P. VII
“… until the last quarter of the twentieth century, racially explicit policies of federal, state and local governments defined where white and African Americans should live. Today’s racial segregation in the North, South, Midwest, and West is not the the unintended consequence of individual choices and of otherwise well-meaning law and regulation but of unhidden public policy that explicitly segregated every metropolitan area in the United States. The policy was so systematic and forceful that is effects endure to the present time. Without our government’s purposeful imposition of racial segregation, the other causes – private prejudice, white flight, real estate starring, bank redlining, income differences, and self-segregation – still would have existed but with far less opportunity for expression. Segregation by intentional government action is not de facto. Rather, it is what courts call de jure: segregation by law and public policy. “
1917 – Buchanan v. Warley – Supreme Court case that overturned racial zoning ordinance in Louisville, Kentucky. Municipalities ignore and fought against this. Kansas City and Norfolk through 1987.
1948 – Shelley v. Kraemer – Although racially restrictive real estate covenants are not per se illegal, since they do not involve state action, a court cannot enforce them under the Fourteenth Amendment. FHA continues to not insure mortgages for African Americans.
1968 – Fair Housing Act endorsed the rights of African Americans to to reside wherever they chose and could afford. Finally ending the Federal Housing Administration’s’ role in mortgage insurance discrimination.
1969 – Mass 40B law passed
1972 – Head of Arlington ARB editorial talking about preserving the suburban way of life
1973 – Town Meeting passes moratorium on apartment construction
1975 – Arlington zoning re-do that all but stops development
1977 – Supreme Court upholds Arlington Heights, IL zoning that prohibited multi-unit development anywhere by adjacent to an outlying commercial area. In meetings leading to the adoption of these rules, the public urged support for racially discriminatory reasons.
p. 179″Residential segregation is hard to undo for several reasons:
In the 1930’s the Home Owner’s Loan Corporation of America (HOLC) created actuarial maps of the United states. These maps were color coded — Green, Blue, Yellow, and Red — to reflect the amount of “risk” associated with home loans in those areas. The colors corresponded to “Best” (green), “Still Desirable” (blue), “Definitely Declining” (yellow), and “Hazardous” (red). Being in a green area made you likely to secure a federally-insured home mortgage, something that was effectively unavailable to red areas. Red areas were often associated with black populations, and these maps are where the term “redlining” comes from.
Here’s an HOLC map of Arlington, courtesy of the University of Richmond’s mapping inequality project.
Note that Arlington does not have any “Hazardous” (red) areas; 68% of the town fell into the top two grades, meaning that we were generally a safe bet as far as federal mortgage insurers were concerned. To the extent that the HOLC preferred white communities, Arlington seems to have fit the bill. According to US census data.
Today, Arlington is about 84% white. But during the time that mortgage approvals were based on the HOLC maps — the mid 1930’s through the mid 1960’s — we certainly qualified as an overwhelmingly (> 99%) white community.
Arlington had four yellow-lined (“definitely declining”) areas; about 32% of the town. C1 (on the western edge of town) was noted for an “infiltration of Jews”, a “heavy concentration of relief families”, and hilly terrain which was “not conducive to good development”. But it had good schools and a nice area along Appleton St. C2 (along Mass Ave and Mill Brook) was noted for “obsolescence” with “business and housing mixed together” and “railroad tracks through [the] neighborhood”. There was an infiltration of lower-class people, a moderate number of relief families, and “little possibility of conversion of properties to business use”.
C3 (East Arlington, around the present location Thompson School and Menotomy Manor) was noted for “Obsolescence, poor reputations” and “foreign concentration”. There was an “infiltration of foreign [residents]” and a “heavy concentration of relief families”. On the positive side, there were “a few small farms in this section of high grade development of the ground [which] may be anticipated in the early future with modest houses”.
Finally, C4 (around Spy Pond, and near the Alewife T station) was “obsolescent”, with an infiltration of foreign families, and a moderately heavy concentration of relief families. The HOLC noted that “Houses East of Varnum Street [and] south of Herbert Road are built on low ground and many have damp basements which makes them difficult to keep occupied”.
That’s what the HOLC saw as the declining side of Arlington: Jews, foreigners (mostly Italian), relief families, obsolescence, damp basements, and proximity to the Boston-Maine railroad.
Exercise for the reader. Arlington has five public housing projects: Drake Village, Winslow Towers, Chestnut Manor, Cusack Terrace, and Menotomy Manor. What HOLC colors are associated with our public housing?
Buildings last for decades, and effects of the HOLC’s underwriting policies are still with us today — sometimes in unexpected ways. A 2020 paper called “The Effects of Historical Housing Policies on Resident Exposure to Intra-Urban Heat: A Study of 108 US Urban Areas” examined 108 communities, and tried to determine if there was a relationship between redlined areas and urban heat islands. Nationwide, this is what they found:
LST stands for “land surface temperature” and shows how different HOLC risk categories compare to the overall temperature of a region. Green areas tend to be cooler, with less paved surface, more extensive tree canopies, and buildings with reflective exteriors. Red areas are warmer with more paved surfaces, less tree canopy, and building exteriors that absorb and release heat (e.g., brick and cinderblocks). While the degree varies across different parts of the country, the general trend is the same: as one goes from green to red, the surface temperature goes up. Formerly-redlined areas are far more likely to contain heat islands.
Exercise for the reader. Are there heat islands in Arlington? What (HOLC) color are they?
As the global temperature warms, Arlington (like many other communities) will have to contend with heat islands. The treatment is likely to be area-specific, following patterns laid out in the HOLC’s maps from the early-20th century.
(Contributed by HCA Board Member Laura Wiener, and Executive Director Erica Schwarz)
The Housing Corporation of Arlington (HCA), the Town’s non-profit housing developer, is excited to create a new development on Sunnyside Ave with 43 new affordable homes. The homes will be a diverse mix of sizes and serve people of different incomes, all under 60% of the area median income. Arlington and the entire Greater Boston region have a severe shortage of affordable housing, which this project will help to address. Arlington’s Master Plan, Housing Plan, and Housing Trust Action Plan all acknowledge the need to create significantly more affordable housing.
The HCA’s new Sunnyside Ave proposal is located just off Broadway, near the Alewife Brook DCR Greenway and the Somerville line; it’s a great location near a supermarket, bus lines, and a modest walk to Davis Square. Currently, the site is a dilapidated former auto body shop. The proposal is designed to meet the specific needs of HCA’s residents and the Arlington community. The development will be Passive House certified. It includes 21 vehicle parking spaces, approximately 70 bike parking spaces, and a 2nd floor roof garden for tenants to enjoy. The development also includes a community room that the HCA will share with other local groups. The project will also add a sidewalk on Sunnyside Ave where there currently isn’t one. HCA owns the site and expects to start seeking zoning approval in the spring.
Building affordable housing is a long and complicated process, due to the permitting process plus the number and complexity of funding sources needed. The state’s Department of Housing and Community Development receives many more requests than they can fund in every funding round. We expect to complete the permitting process in 2023, secure our financing by the end of 2024, and start construction in early 2025. With an expected construction timeline of around one year, HCA expects to see tenants moving into the building in spring, 2026. A public forum on the project is anticipated in the coming months. Given the complicated funding and permitting challenges, your monetary and public support of our new development on Sunnyside Ave would be appreciated.
The Housing Corporation of Arlington is a non-profit, community-based developer and owner of affordable housing in Arlington. It owns 150 units of affordable rental housing in all parts of town. The units are occupied by a diverse mix of families and individuals. HCA has been purchasing, rehabilitating, and building new housing since 2000, and also provides social service programs to support family stability and build community connection and engagement. Every week, HCA staff help local families who are struggling with the extreme cost of housing, making the creation of more affordable homes both urgent and important.
The staff, board of directors, and the more than 1,000 tenants, donors, and members who make up the HCA organization are very excited about this opportunity to expand Arlington’s portfolio of affordable housing. Our most recent projects included three newly constructed buildings—two in Downing Square (Lowell Street) and a mixed-use property shared with “Arlington Eats” on Broadway. To learn more about HCA or apply for housing, go to: https://www.housingcorparlington.org.
(Comments presented to the Arlington Redevelopment Board and Select Board during a public hearing on Jan 13, 2020)
Steve Revilak, 111 Sunnyside Ave. In the interest of disclosure, I live in market rate housing that was built by a developer. Among Arlington residents, I’m not unusual in that regard.
At the end of December, a friend sent me an article that appeared on Redfin’s blog, which ranked the most competitive real estate markets in 2019. Out of 20 listings, three were neighborhoods in Arlington: East Arlington at #3, the Brattle Street Area at #5, and Arlington Center at #12. This is only one data point, but Redfin is a national realtor and works in markets all across the country. Arlington is a desirable place to live.
Housing costs have steadily increased over the last 20 years, modulo a brief reset during the economic recession of 2008. For example, the prior owner of my house purchased it for $151,000 is 1999. I purchased it for $359,000 in 2007 (when it was assessed at $287k). Today, it’s assessed at $501k, which is consistent with similar home sales from 2018.
The net effect: each year a new family moves to town, they have to have a more money (or be willing to spend more on housing) than a family who moved in the year before. With that in mind, I’d like to cite a few figures from the 2019 Town Survey:
I don’t mean to knock people who’ve lived here 15 or fewer years, have advanced degrees, or have household earnings of $200,000 or more per year. I check every single one of those boxes myself. But I do want to point out that we are a highly educated and affluent community. Put another way, we have a population that matches the cost of our housing.
Twenty years of gentrification haven’t killed us: we’ve expanded town staff and services, we’re renovating public buildings, and we’re getting a new high school. Those are all good things, made possible because residents have the money to pay for them, and have been willing to do so.
We can absolutely keep the status quo we’ve had, but I want to recognize that the combination of the housing market and Arlington’s policies have created an economic barrier to living here. I see two issues: one is affordability, and the other is an imbalance between supply and demand.
There are a variety of things we could do, and I think we should consider all of them. I don’t see a viable way to relieve housing pressure that doesn’t involve more housing. And that’s what I hope we can do over the coming years: find ways to build more housing.
I recently came across a report from Arlington’s Department of Planning and Community Development, titled “Overview of Affordable Housing Challenges and Opportunities”. The report begins:
Greater Boston’s revitalization is provoking an unexpectedly severe housing challenge in Arlington. Throughout eastern Massachusetts, growth in regional demand has caused housing prices to soar. Additionally, Arlington’s neighborhood stability and recently improved accessibility makes the town particularly attractive. While this is an initial boon for property owners, it harms others.
The surge in demand and resulting tight housing market have restricted residential choice, currently locking many households into existing living situations, even as they enter new lifestages and their needs change. Although all income levels and types of households are affected, these changes tend to hit tenants harder than homeowners especially the elderly, the poor, young singles, along with growing families, minority groups, and those with special housing needs.
This report was commissioned for Arlington’s Fair Housing Committee, and presented to them in February 1988. Despite being written 32 years ago, it’s quite descriptive of the housing challenges facing Metro-Boston — and Arlington — today. These challenges include rising home prices, conversion of rental properties into condominiums, the phenomenon of being “house rich and cash poor”, pressures of speculation, and insufficient new housing production.
Figure F from the report provides a summary of what was required to purchase a median-value home in Arlington. I’ve reproduced the table here, with a few small adaptations.
1970 | 1980 | 1986 | |
median value | $30,000 | $62,700 | $169,000 |
20% downpayment | $6,000 | $12,540 | $33,800 |
Mortgage | $24,000 | $50,160 | $135,200 |
Interest | 8.25% | 13% | 12% |
Monthly Principal & Interest | $180.29 | $559.95 | $1391.21 |
Monthly Real estate taxes | $75.00 | $110.00 | $140.00 |
Total monthly cost | $255.59 | $669.95 | $1531.21 |
Annual income required | $10,491 | $28,780 | $65,623 |
Here’s the same table, where all values are converted to 2020 dollars [1], and where I’ve added a column for 2020 [2].
1970 | 1980 | 1986 | 2020 | |
median value | $204,739 | $207,902 | $397,784 | $771,900 |
20% downpayment | $40,948 | $41,580 | $79,557 | $154,380 |
Mortgage | $163,791 | $166,322 | $318,227 | $617,520 |
Interest | 8.25% | 13% | 12% | 3.25% |
Monthly Principal & Interest | $1,230 | $1,857 | $3,275 | $2,687 |
Monthly Real estate taxes | $511 | $365 | $330 | $711 |
Total monthly cost | $1,741 | $2,222 | $3,605 | $3,398 |
Annual income required | $71,597 | $95,429 | $154,460 | $135,920 |
This is an interesting comparison. Buying a house in Arlington today is actually less expensive than it was in 1986 (i.e., the annual income requirement is 12% less), but this is predominantly due to today’s lower interest rates. That said, the income threshold is significantly higher than it was in 1980 or 1970. (The report’s introduction refers to 1970’s home prices as belonging to a “bygone era”.)
What solutions were proposed in 1988? The ideas put forward included transfer taxes, accessory apartments (aka accessory dwelling units or ADUs), and encouraging models for cooperative ownership. While I’m unsure of what may have been done to encourage cooperative ownership, I’m pretty certain that the transfer tax and ADU options were never implemented. At the very least, they’re not a part of today’s bylaws.
Between 1975 and 1991, Arlington’s Town Meeting voted in favor of a series of downzonings, and I believe the general sentiment during this period was one of anti-growth/anti-development. Apparently we studied the town’s changing demographics and increasing cost of housing, recognized there was was a problem, but never acted on the recommendations.
Two of the ideas for mitigating housing cost have come back in recent years. Accessory dwelling units were proposed in the 2019 town meeting (Article 15), but defeated by a vote of 137–82 (zoning articles require a 2/3’s supermajority to pass; although the majority voted in favor, that wasn’t enough). The 2020 town meeting may have the opportunity to consider a new ADU article (Article 37), along with the establishment of a real estate transfer fee (Article 20).
Here is a copy of the 1988 report to the Fair Housing Commission.
[1] Inflation adjustments derived from https://www.bls.gov/data/inflation_calculator.htm
[2] The 2020 median value is the median value of Arlington single-family homes, based on 2020 property assessments. The 2020 tax rate is $11.06/mil.
Jennifer Susse authored this letter on January 20, 2020. Ms. Susse is a member of the Arlington School Committee and a Town Meeting Member. She closely follows the costs and demographic trends of school enrollment and of Town finances.
I write in support of efforts to increase housing in Arlington, both as a resident and as a member of the School Committee. I support these efforts not in spite of their potential effects on our schools, but because of their potential effects on both schools and town.
I have often spoken to the community about our rapid enrollment growth — over 2,000 students added in the last 25 years, 60 percent of those in the last 10 years. Because of these large enrollment increases the Arlington Public Schools have had to add capacity, which the town has generously supported. So how can I be in favor of adding more housing to Arlington, and thus potentially adding even more students to our already stressed school facilities?
Losing diversity
I will get to the capacity issue in a bit, but first I want to point out that in the last 30 years Arlington has lost both economic and generational diversity. The story about the loss of economic diversity is well known; the loss of generational diversity less so.
Between 1990 and 2010, the percentage of residents between 20 and 34 dropped from 28 percent to 17 percent. During that same period, the population over 65 dropped from 18 percent to 16 percent. What replaced these demographic groups were primarily residents between the ages of 35 and 54 and 0 and 14. In other words, mostly families with school-aged children. The loss of both types of diversity weakens the fabric of our community. However, the loss of generational diversity also weakens the town’s finances.
The average cost to the town of an additional student is about $8,500, a number that includes what’s known as the Enrollment Growth Factor (the amount that the town gives to the schools for each additional student in the system, currently at 50 percent of the per pupil cost of the preceding year, or $7,297), as well as the average cost of the benefits that the town pays for new hires.
What this means is that during the time a household has children in the school system, it is likely receiving more in benefits than it pays in taxes. For the town’s finances to work, we also need people who do not have children to live and pay taxes in Arlington, including young adults and older adults for whom Arlington is becoming less affordable because of condo conversions, teardowns, etc.
Overcrowded classrooms
But what about our overcrowded classrooms? The answer is that given the type of housing likely to be created on the main corridors, and the timing of that housing construction, I am not worried about further stresses to our school facilities.
By the time new housing is built, our elementary-aged population will likely be in modest decline. Five to 10 years out we expect to see enrollment stabilize at the middle and high school levels as well. That does not mean that we will have tons of extra space; just that we will no longer be in danger of taking over art, music, and literacy rooms for general classroom use.
Enrollment projections made by Dr. Jerome McKibbin in 2015 have so far been fairly accurate. His revised projections show that, without additional housing, we are expected to have 350 fewer elementary-aged students in the Arlington Public Schools 12 years from now than we have today.
The discussion about housing in Arlington reminds me of the discussion a few years ago over the Affordable Care Act. At that time, there was a lot of anxiety about potential changes to the health-care system, but insufficient appreciation (in my opinion) of the then current trends.
Zoning changes
Any discussion of zoning changes in Arlington must take an honest look at where we are now, and the direction we are headed in if there were no zoning changes. Our current trends have us losing natural affordability and economic and demographic diversity because of teardowns, condo conversions and sharp price increases. We don’t have the option to freeze Arlington as we know it today (or 10 years ago) in place.
In closing, I would like to say that I am proud of our excellent schools and strongly believe that families who have recently moved to Arlington have strengthened our community, but I do not want Arlington to become a place where people move in with toddlers and move out soon as their children graduate from high school. The current trends have us losing both economic and generational diversity, which threatens not only our community and civic life, but our financial health as well. Adding more and diverse housing can help.
Like numerous metro areas in the United States, Greater Boston has both a shortage of housing and high housing costs. According to a recent presentation by Town Manager Adam Chapdelaine, Boston and the immediate surrounding communities added new 148,000 jobs and 110,000 new residents in the period 2010–2017. But despite the increase in jobs and population, we’ve only permitted 32,500 new homes.
This shortage led the Metro Mayors Coalition — a group of 15 mayors and town managers in the Greater Boston area — to establish a housing task force. The task force set a goal of producing 185,000 new homes during the period 2015–2030. There’s a lot said about that number, and the commitments each community has been willing to make. 185,000 new homes is the big ask, but there’s more to the MMC’s efforts than a simple production goal.
The MMC established a set of ten guiding principles, which are as follows:
In addition to the guiding principals, the Task Force’s web site lists dozens of strategies for consideration. Some focus on the three cost drivers of housing production: land, labor, and materials. Others focus on more holistic aspects, like fairness and diversity. The overall list of strategies includes: tenant protections like rent control, requirements for just-cause evictions, and the right of first refusal; community benefit agreements, housing cooperatives, and community land trusts; transfer fees, linkage fees, vacancy taxes, and anti-speculation taxes; use of prefabricated homes and modular construction techniques; and a variety of approaches for community engagement and education.
In summary, the MMC has put a lot of thought into the process — far more than simply coming up with a number.