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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.
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:
- Stakeholder and Municipal Engagement. We must engage in broad, inclusive outreach to municipal officials, residents, and other stakeholders within and beyond the MMC to understand and address regional housing concerns.
- Housing Production. We strive to increase the production of housing throughout Metro Boston so that we can provide homes for all types of households and income levels. This should include both rental and homeownership opportunities, consistent with regional need, and designed in ways that respect the neighborhoods in which they are located.
- Housing Preservation. We support the preservation of existing affordable housing choices. This includes protecting affordable apartments at risk of expiring subsidies or deed restrictions; preserving “naturally occurring” affordable housing; repairing older homes in need of maintenance and minimizing tear-downs; and preserving smaller homes.
- Housing Affordability. We welcome and will invest in the development of housing that is affordable to low-, moderate-, and middle-income households.
- Housing Stability. We will work to address extreme cost burdens, minimize the risk of displacement, reduce evictions, eliminate unfair rental practices, create permanent housing for homeless residents, and ensure safe and stable housing throughout Metro Boston.
- Fair Housing. We are committed to addressing discrimination against tenants and buyers, and advancing fair and equitable access to housing opportunity for everyone.
- Housing Diversity. We promote the development and preservation of diverse types of rental and homeownership housing at a range of scales and a unit mix inclusive of multiple bedrooms.
- Housing Design. We support universal design in housing to create accessible and barrier-free homes through the incorporation of features that are commonly available and easily usable by people of virtually all ages and abilities.
- Housing Location. We encourage residential and mixed-use development in transit-accessible and/or walkable areas where people can get around locally and make connections throughout the region without relying on private auto. We also support creation of more such neighborhoods through expansion of public transit and retrofits of select former industrial sites.
- Complete Neighborhoods. Our commitment to greater housing opportunity is part of a holistic approach to community building that includes a mix of land uses and access to open space. Our residents want to live in areas that offer a range of activity throughout the day and evening.
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.
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.
I’ve had an annual ritual for the past several years: obtain a spreadsheet of property assessments from the Town Assessor, load them in to a database, and run a series of R computations against the data. I started doing this for a number of reasons: to understand what was built where (our zoning laws have changed over time, and there are numerous non-conforming uses), the relationship between land and building values, the capital costs of different types of housing, and how these factors have changed over time.
I’d typically compile these analyses into a fact-book of sorts, and email it around to people that I thought might be interested. This year, I’m going to post the analyses here as a series of articles. This first installment contains basic information about Arlington’s low-density housing: single-, two-, and three-family homes, as well as condominiums. Condominiums are something of an oddball in this category — a condominium can be half of a two-family structure, part of a larger residential building, or somewhere in between. There’s a lot of variety.
Here’s a table showing how the number of units has changed over time, since 2013.
| land use | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Single Family | 7984 | 7983 | 7991 | 8000 | 7994 | 7994 | 7998 | 7999 |
| Condominium | 3242 | 3304 | 3367 | 3492 | 3552 | 3662 | 3726 | 3827 |
| Two-family | 2352 | 2332 | 2308 | 2282 | 2263 | 2218 | 2183 | 2139 |
| Three-family | 207 | 201 | 196 | 194 | 193 | 190 | 185 | 182 |
Arlington’s predominant form of housing — the single family home — has stayed relatively static; we’ve added 15 over the last seven years. The number of condominiums has increased significantly: +585 over seven years. That, coupled with the reduction of two-family homes (-213) and three-family homes (-25) leads me to believe that a fair number of rental units have been removed from the market.
Next, I’d like to look at how these homes are spread across our various zoning districts. (The “Notes” section at the bottom of the post explains what the zoning district codes mean).
| Zone | Single-Family | Condo | Two-family | Three-family |
|---|---|---|---|---|
| B1 | 8 | 22 | 13 | 11 |
| B2 | 1 | 4 | 1 | |
| B2A | 1 | 18 | ||
| B3 | 59 | 4 | ||
| B4 | 1 | 59 | 5 | 5 |
| B5 | 1 | 1 | ||
| I | 8 | 18 | 7 | 1 |
| R0 | 502 | |||
| R1 | 6798 | 168 | 200 | 7 |
| R2 | 647 | 1816 | 1881 | 124 |
| R3 | 4 | 39 | 11 | 17 |
| R4 | 23 | 79 | 2 | 3 |
| R5 | 3 | 616 | 5 | 4 |
| R6 | 2 | 686 | 8 | 7 |
| R7 | 1 | 243 | 2 | 1 |
A few points to note:
- R0 is our newest district, which was established in 1991. It consists only of conforming single-family homes.
- R1 is Arlington’s original (per 1975 zoning) single-family district. It’s predominantly single-family homes, but there are a fair number of two-family homes, and even a few three-families. The presence of condominiums suggests additional multi-family homes (that consist of two or more condominiums)
- R2 is predominantly two-, and three-family homes. Although three-family homes are no longer allowed in this district, R2 has the largest number of three-families in town.
- Residential uses are no longer allowed in the industrial (I) districts, but the I districts contain 34 homes. These buildings pre-date the current zoning laws (aka “pre-existing non-conforming”). A good portion of the Dudley street industrial district is a residential neighborhood.
I’m pointing out these conformities (and non-conformities) for a reason. The zoning map (and use tables) dictate what is allowed today, along with specifying a vision for the future. Our zoning bylaw happens to contain a strong statement to this effect: “It is the purpose of this Bylaw to discourage the perpetuity of nonconforming uses and structures whenever possible” (section 8.1.1(A)). Despite the strong statement of intent, it can take decades (if not generations) for a built environment to catch up with the bylaw’s prescriptions.
I’ll finish this post with a breakdown of how condominiums are distributed across the various zoning districts:
| Zone | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | delta |
|---|---|---|---|---|---|---|---|---|---|
| (N/A) | 14 | 15 | 0 | 0 | 0 | 0 | 0 | 0 | -14 |
| B1 | 16 | 16 | 18 | 18 | 18 | 22 | 22 | 22 | 6 |
| B2 | 2 | 2 | 2 | 2 | 4 | 4 | 4 | 4 | 2 |
| B2A | 19 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | -1 |
| B3 | 55 | 55 | 61 | 59 | 59 | 59 | 59 | 59 | 4 |
| B4 | 47 | 47 | 59 | 59 | 59 | 59 | 59 | 59 | 12 |
| I | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 0 |
| R1 | 140 | 144 | 146 | 148 | 150 | 154 | 162 | 168 | 28 |
| R2 | 1355 | 1406 | 1456 | 1518 | 1574 | 1670 | 1723 | 1816 | 461 |
| R3 | 22 | 25 | 28 | 31 | 31 | 37 | 37 | 39 | 17 |
| R4 | 65 | 67 | 67 | 79 | 79 | 79 | 79 | 79 | 14 |
| R5 | 616 | 616 | 616 | 616 | 616 | 616 | 616 | 616 | 0 |
| R6 | 630 | 632 | 635 | 683 | 683 | 683 | 686 | 686 | 56 |
| R7 | 243 | 243 | 243 | 243 | 243 | 243 | 243 | 243 | 0 |
The last column (“delta”) shows the difference between 2013 and 2020. The largest increase occurred in the R2 (two-family) district, followed by R6 (medium-density apartments, where most of the increase took place in 2014) and R1 (single-family).
That it will do it for the first installation. In the next post, we’ll look at how the cost (assessed values, actually) of Arlington’s low density housing has changed over the last seven years.
Here is a spreadsheet, containing the various tables shown in this article.
Notes
Arlington’s zoning map divides the town into a set of districts, and each district has regulations about what kinds of buildings and uses are allowed (or not allowed). The districts mentioned in this article are:
- B1 (Neighborhood Office district)
- B2 (Neighborhood Business distrct)
- B2A (Major Business District)
- B3 (Village Business District)
- B4 (Vehicular-Oriented Business District)
- I (Industrial District)
- R0 (Single-Family, large-lot district)
- R1 (Single-Family Distict)
- R2 (Two-Family District)
- R3 (Three-Family District)
- R4 (Townhouse District)
- R5 (Low-Density Apartment District)
- R6 (Medium-Density Apartment District)
- R7 (High-Density Apartment District)
Arlington’s Zoning Bylaw describes each district in detail (see sections 5.4.2, 5.5.2, and 5.6.2)
Arlington is in the process of update the town’s 2016 Housing Production Plan, and the Housing Plan Implementation Committee and Planning Department have put together a “meeting in a box” as part of their outreach efforts. The idea is to package a set of discussion questions and supplementary materials, so that groups can talk through the questions on their own and provide written feedback. Meeting in a box materials are available from the town website.
I tried this with a group of friends. Here are the questions, and points that came up during the group discussion. Notes that these are discussion notes (transcribed from large sheets of easel paper), and don’t represent agreement or concensus.
Question 1: Housing Needs. Arlington residents have expressed concerns about the housing needs of older adults. Other needs identified so far are the cost and condition of rental housing, the impact of Arlington’s housing sale prices on the ability of young families to find a home in Arlington they can afford, and the impact of limited housing choices on racial and ethnic diversity in Arlington. What housing needs are you most concerned about?
- Address historical racial injustice and land use policies.
- Diversity and types of housing. Availability and affordability.
- Lack of diversity of housing types.
- Every house sold is a total bidding war.
- Better “stage of life housing” matches.
- Having an adequate range of options for lots of different needs.
- Impact on the regional housing shortage.
- Arlington is served by the T and buses; we have a responsibility to provide housing because we have access to transit.
- I was lucky to get in a few years ago, before prices started going crazy.
- We spend too much time romanticizing our old crumbling houses with lead paint.
- Arlington’s zoning encourages mansionization. As a result, we get one big expensive house rather than two smaller more affordable ones.
- What’s happening in Arlington today is the same thing that happened to Lexington 20 years ago — it became a community for affluent professionals only
- There’s too much emphasis on keeping things the way they were 20, 30, 40, or 50 years ago.
- Housing can be about preserving economic diversity, but we need a variety of housing types to do that.
- I’d be happy to see more people in town.
- Getting an affordable rental unit here is like winning the lottery.
- The suburbs have shut down housing production. That’s one of the things causing gentrification in Boston.
- Arlington’s housing mainly caters towards families with children. For our town’s financial health, we also need housing for families without children.
- With climate change, our practice of low-density, car-oriented, land-intensive sprawl is no longer sustainable. Density can be an important tool for addressing climate change, and we should use it to that effect.
Question 2: Challenges to Meeting Affordable Housing Needs. Participants in interviews conducted for the Housing Plan and at the June 9 Housing Plan Meeting were asked about challenges or obstacles to providing affordable housing in Arlington. Several challenges were identified, such as difficulty finding locations that for new housing development or redevelopment, how the Town’s Housing Trust Fund and CPA funds should be used to meet housing needs, and general tensions and disagreement about growth in Arlington that make it hard for people to agree. What challenges do you think are the biggest impediments to meeting housing needs in Arlington?
- There’s not a stable funding source for Arlington’s Affordable Housing Trust Fund.
- Housing is really expensive here.
- There are not enough affordable housing developers that are willing to navigate Arlington’s anti-development stance. They’ll build in other communities, where there’s less resistance.
- There’s a lack of political will to add affordable housing, or housing in general.
- There’s not enough land where multifamily housing can be built.
- There’s unreasonable resistance to new multi-family buildings, like apartments.
- The housing production plan identifies a number of opportunity zones. But they’re small, and there’s not enough land to create much of an opportunity.
- Our housing authority is not very aggressive about utilizing the land they have. Their leadership doesn’t seem to want to do it.
- The belief that “Arlington is full”. In reality, we’ve just chosen to be (by virtue of current zoning).
Question 3: Opportunities for Reaching Agreement. What steps would help to bring Arlington residents together about providing affordable housing? How can the Town balance concerns about housing needs and natural resources protection? Or concerns about housing need and preserving Arlington’s built environment? What do you think most could people agree on?
- Concern about exurban sprawl.
- Concern about gentrification.
- Our parking requirements make housing more expensive than it needs to be.
- We can agree on worries. I’m skeptical that we’ll be able to agree on solutions.
- There’s an unwillingness to accept incremental progress.
- Many incremental changes feel too big.
- If people feel threatened by affordable housing, they’ll oppose it.
- Shared values around the importance of having residents of a variety of economic situations.
- Do people really care about environmental sustainability when they move into a house? Not sure how you get people to sign on.
- There’s a conflict between anti-density and sustainability.
- If you don’t build here, there will be evergreen builds outside of 495.
- Teachers who teach here should be able to afford to live here.
- We need business growth and tax base growth.
- New housing should feel like it blends into the surrounding neighborhood.
- Our neighborhoods are changing. The fact that we’re not doing proactive things doesn’t prevent them from changing.
As you can see, our group had a range of opinions and even a few points of disagreement – for example, “there’s an unwillingness to accept incremental progress” vs “many incremental changes feel too big”. I feel like that pair is a good illustration of how different people have different comfort zones; a situation that can be challenging to navigate. Metro Boston is growing, as are metropolitan areas all across the country. Our new arrivals will need places to live, and I’d hope to see Arlington be proactive in addressing that need.
Report by Vicki Been, Ingrid Gould Ellen, and Katherine O’Regan, Supply Skepticism: Housing Supply and Affordability, NYU Furman Center 8/20/18
Some affordable housing advocates question the premise that increasing the supply of market-rate housing will result in more affordable housing. This paper addresses the key arguments these “supply skeptics” make. Considering both theory and empirical evidence, the authors conclude that adding new market-rate homes moderates price increases does make housing more affordable to low- and moderate-income families.
At the outset, the authors review the relevant studies and conclude that “the preponderance of the evidence shows that restricting supply increases housing prices and that adding supply would help to make housing more affordable.” They then turn to several arguments the supply skeptics make. One key issue is whether adding housing in a part of the housing market will affect prices in another. The housing market is not uniform but composed of various submarkets. These submarkets relate to each other in complex ways. Critically, however, if demand forces up prices in a higher-end submarket, some buyers will turn to the next segment down and bid up prices there, generating a cascade. Adding supply at higher levels reduces this cascade and relieves price pressure all the way down. Empirical research indicates that this “filtering” process happens surprisingly quickly.
Supply skeptics may also fear that construction of new housing will exacerbate affordability problems by raising neighborhood rents or prices, fueling gentrification, and potentially displacing existing residents. New construction can have both positive and negative effects on prices or rents of nearby homes. New housing may an amenity that makes a neighborhood more attractive – and expensive. But it also absorbs demand and may reduce the incentive to upgrade existing housing to please high-end buyers. The evidence on the net effect of these effects is unclear. An important California study indicates that the production of market rate housing was associated with a lower probability that low-income residents in the neighborhood would experience displacement. But more research is needed.
The authors point to additional disadvantages of limiting supply, including pushing lower-wage workers to live in distant suburbs, where long commutes add to regional traffic woes and greenhouse gas emissions. They stress, however, that increased supply, while essential, is not sufficient to address the affordability challenge. Government intervention through subsidies and other measures is critical to ensure that housing supply is added at prices affordable to a range of incomes, and especially the lowest ones.
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
Does Arlington need more housing? If yes, will more housing result in higher school costs? There is a perception that more housing means more school age children and more school age children will strain the capacity and expand the budget of the Arlington Public Schools.
Prelimary reviews suggest that more housing would not strain the APS capacity for a variety of complex reasons. These reasons include: school age children do not always go to APS; by the time new housing came on line, the school enrollment, now growing, will have begun to decline; Arlington needs more diverse kinds of housing, not just family housing; the 283 units of housing that came on line through Brigham Square and 360 contributed more in property tax revenue than they cost in school enrollment costs…. by over $980K in 2019. Read this for more information.
More analysis is needed. More discussion is needed. These are complicated and nuanced issues. Readers with additional comments should send them to info@equitable-arlington.org.

