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from Karen Kelleher, Reporter
Interested in new policy developments on housing production in the Greater Boston area? The latest research from Mass Housing Partnership (MHP) is of interest. They just released (Dec. 18, 2019) in interactive map showing relative housing density around every mass transit and commuter rail station in the system, concluding that the region could add 235,000 units if every community allowed density as of right in the area around transit.
CHAPA has legislation pending that would require municipalities served by transit to allow higher density as of right within a certain distance from transit stations. You’ll see that the density around Alewife is not too bad in the context of the entire system.
This is mostly because of very high density in Cambridge near Alewife, but the density of two and three families in East Arlington shows better housing density than the sea of single family zoning around many commuter rail stops.
You can check it out here:https://www.mhp.net/news/2019/todex-research-brief
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.
I live on Sunnyside Avenue in Arlington, Massachusetts. The neighborhood was built as two subdivisions in 1948, with 42 duplexes (84 homes total). These were starter homes with 792 square feet of finished space plus a basement with a garage. I affectionately refer to them as excellent specimens of mid-century slap-up. They were constructed in the mid 20th century, and the builder just kind of slapped them up.
Here’s one of the original newspaper ads for these homes.
It’s fun to read the ad copy. The homes are “within walking distance of schools, transportation (MTA) and shopping centers” (a selling point that endures to this day); the lots are “large to provide for individual landscaping” (they’re 3,000 square feet give or take, which is unbuildably small by today’s zoning laws); and the homes have “full-sized dining rooms”, “spacious streamlined kitchens”, and “two large sunny bedrooms” (so much largeness for 792 square feet). I guess this was a time when good salesmanship took precedence over truth in advertising. It was a different time.
I have to admit, they were a pretty good deal. $8750 in 1948 is equivalent to around $95,000 in 2020 dollars; these homes, with the original floor plan, currently sell for around half a million dollars.
However, the part of the ad that most caught my attention was “All Mortgages FHA 25 years”. FHA refers to the Federal Housing Administration, who were the primary mortgage underwriters during the middle of the 20th century. They’re also an example of how the United States used housing policy as a tool for segregation; the FHA was in the business of insuring mortgages for white families in white neighborhoods. The Fair Housing Center of Greater Boston has a short summary of FHA practices. There’s also discussion of the FHA in Segregated by Design.
Which is to say, my nice little neighborhood in East Arlington was likely designed, built, and sold as a segregated development for whites.
Arlington’s biggest period of residential construction was in the 1920’s when we were building an average of 500 homes/year. But there was still a good deal of single- and two-family construction that took place from the 1930’s to the 1960’s — a bit over 5,000 homes. Since the FHA was the primary mortgage underwriter during that period, I think it’s safe to say that my neighborhood was probably not the only for-whites-only neighborhood in town.
I will end with two questions. How do we feel about this bit of history, and what (if anything) should we do about it?
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.
Footnotes
[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.
Restrictive covenants are a “list of obligations that purchasers of property must assume … For the first half of the 20th century, one commonplace commitment was a promise never to sell or rent to an African American”. [1] These covenants gained popularity after the Supreme Court’s 1917 decision in Buchanan v. Warley.
Rothstein’s book The Color of Law mentions examples from Brookline, MA; Arlington, MA has examples of it’s own. We’ll look at one from an East Arlington deed dating to 1923. Credit to Christopher Sacca for finding these documents.
First, a land plan to establish content. Below is the subdivision plan for a farm owned by Herbert and Margaret Allen. I count a little over 200 lots in this subdivision. The plan itself states that “no single house shall cost less than $6,000 and no double house shall
cost less than $8,000″. This language also appears in the property deed.
One of the deeds from these parcels appears in book 4631 page 218 and book 4631 page 219, in the Southern Middlesex registry of deeds.
Here’s page 218; the deed begins at the bottom.
Here’s page 219. The racial covenant appears halfway down the page. It reads “No sale or lease of any said lots shall be made to colored people, no any dwelling on any said lots be sold or occupied by colored people”.
The 1920’s were a time of significant residential growth in Arlington, as farmers (called “Market Gardeners” at the time) subdivided and sold off their land. This example shows that Arlington, MA landowners employed some of the same discriminatory tactics for segregation as other communities in the United States. It would take further research to determine how common the use of such covenants was early twentieth-century Arlington.
Footnotes
[1] The Color of Law. Richard Rothstein. pg. 78
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.
- 1930: population 36,094. No breakdown by race.
- 1940: population 40,013. 99.8% white.
- 1950: population 44,353. No breakdown by race.
- 1960: population 49,953. 99.7% white.
- 1970: population 53,524. 99.0% white.
- 1980: population 48,219. 97.3% white.
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.
by JP Lewicke
When you love the place you live and you want to help it become even better, how can you make a difference? Arlington is an extremely civically active community, with hundreds of residents involved in Town Meeting, several dozen boards and committees, and numerous other groups that play an important role in improving our town. The vast array of options can be a bit dizzying for a newcomer to sort through.
Fortunately, Arlington has recently launched Arlington Civic Academy to provide interested residents with a pathway to becoming more civically literate and involved. Ably organized by Joan Roman, Arlington’s Public Information Officer, Civic Academy takes place over the course of six weeks and aims to provide participants with the information they need for constructive civic engagement. Applications are open from now until August 4th for the fall session, which will take place between September 12th and October 17th.
Find Out How the Town Works
It’s clear that town government takes the Academy seriously. The Town Manager, Select Board Chair, Town Moderator, and the heads of several town departments have stayed late into the evening to attend Civic Academy sessions. Their formal presentations do a great job of explaining how different areas of town government work and how best to get involved, but the chance to meet them and ask them questions is equally valuable. The participants usually have a lot of very insightful questions, and it’s a great opportunity to learn more and become a more effective advocate in the future.
Participants Make Arlington Civic Academy Great
The other participants are another great part of the program. It’s also a great chance to make connections with other people who are equally enthusiastic about learning and getting involved in making their town a better place. There have been two sessions of the program so far, and several participants have gone on to run for Town Meeting, join the Master Plan Update Advisory Committee, volunteer for last fall’s tax override campaign, and propose warrant articles. We just had a get-together for members of both Civic Academy sessions to meet each other and network, and are hopeful that Civic Academy alumni can help connect future participants in the program to opportunities to get involved in helping Arlington become even better.
Helping Others Learn to Navigate Town Processes
I ran for Town Meeting this spring after attending Civic Academy last fall, and I found that it served me well after I was elected. It taught me how the budgeting process worked, including all the steps from the Town Manager’s office working with individual departments, the Finance Committee compiling a cohesive budget, and Town Meeting approving that budget. When constituents from my precinct have questions about how to get help with something from the town, I know which boards or committees or town departments they should reach out to. I also have a better understanding of the current constraints and opportunities faced by our town across multiple areas.
When I started working with Paul Schlictman on advocating for extending the Red Line further into Arlington, I reached out to the members of my Civic Academy class to see if they were also interested, and several of them were incredibly generous with their time and helped us set up our website and mailing list. I would highly recommend applying to Civic Academy, and I’m very thankful that the town puts so much effort into making it a great experience.
by Rebecca Gruber
This spring, the town opened the affordable housing lottery for the 31 allotted affordable units at 1165R Massachusetts Avenue. More than 1,400 applications were received for those 31 units, reflecting the overwhelming need for affordable units in the Arlington area.
The Artemis at Arlington Heights development (1157-1163 Massachusetts Avenue, referred to during the development application process as 1165R Massachusetts Avenue) is a 124-unit multi-family residential rental project on a two-acre industrial site in Arlington. The Zoning Board of Appeals granted a comprehensive permit for the project back in September of 2021. The developer reused two existing historic buildings and built two new buildings with garage parking. Of the 124 rental units, 31 units (25%) are available to households earning no more than 80% of Area Median Income, adjusted for household size, for the Boston-Cambridge-Quincy Housing and Mortgage Finance Area (HMFA).
Currently, construction is ongoing at the Majestic Mill Brook development at 1025 Massachusetts Avenue, which will include 50 condominium units, 13 of which will be affordable. Construction completion is targeted for the fall of 2025; the lottery for the project’s 13 affordable units should happen a few months before. Again, there is expected to be an enormous demand for these few affordable units.
Information about lotteries for affordable housing can be found at https://housingnavigatorma.org/. The Department of Planning and Community Development is currently working on updating the affordable housing website to be more user-friendly, making the links and other affordable information more readily accessible to the public.