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.
Related articles
The presentation, dated March 11, 2019, includes slides used to present the information necessary to understand the rationale for zoning changes, the location of the zoning areas under consideration and the charts, tables and maps that help describe the situation. The proposed zoning changes, especially articles 6, 7, 8, 11 and 16, only cover changes affecting about 7% of the Town, those parts of the Town that are currently zoned R4-R7 and the B zoning districts.
A study by Elise Rapoza and Michael Goodman shows that new housing construction in MA does not have an adverse affect on municipal or school budgets. And when it might, state funding covers the difference. This study contradicts the often heard argument against new housing development, especially multi-family housing, because it, the argument claims, it will have a negative fiscal impact on communities.
In the aggregate, development of new housing offers net fiscal benefit to both municipalities and the state. Additional analysis validates a second study which found that increased housing production does not predict enrollment changes in Massachusetts school districts. In the new study, a distinct minority of municipalities did incur net fiscal burdens—burdens that the net new state tax proceeds associated with the development of new housing are more than sufficient to offset.

(published June, 2019)
Overview
To solve the extraordinarily large deficit in housing for the greater Boston region, over 180,000 units of new housing should come on line in the next few years. This deficit is the result of a rapid expansion in in-migration due to new job creation, with no commensurate increase in housing production for the people taking those new jobs.
The report concludes that zoning is a primary culprit in restricting the development of an adequate housing supply, creating a “PAPER WALL” keeping out newcomers. The cost of this inadequate supply is a huge demand for housing which, in turn, bids up the price for available housing. The following “culprits” are considered: inadequate land area zoned for multi-family housing; low density zoning; age restrictions and bedroom restrictions; excessive parking requirements; mixed use requirements and approval processes. Alternative zoning models are suggested.
Elements such as “Approval Process”, “Mixed Use”, “Village Centers vs Isolated Parcels” and “Building Up or Building Out” are considered.
Researcher Amy Dain reports on two years of research into the regulations, plans and permits in the 100 cities and towns surrounding Boston. The research was commissioned by the Massachusetts Smart Growth Alliance and funded collaboratively with: Citizens’ Housing and Planning Association, Home Builders & Remodelers Association of Massachusetts, Massachusetts Association of Realtors, Massachusetts Housing Partnership, MassHousing, and Metropolitan Area Planning Council.
For the full report see: https://ma-smartgrowth.org/wp-content/uploads/2019/06/03/FINAL_Multi-Family_Housing_Report.pdf
For a power point slide presentation see: https://ma-smartgrowth.org/wp-content/uploads/2019/06/04/DainZoningMFPresentationShare2019.pdf
For the Executive Summary see: https://equitable-arlington.org/wp-content/uploads/2019/07/June-2019-Multi-Family-Housing-Report_Executive-Summary.pdf
It’s New Year’s eve and I’m determined to get my third and final “Arlington 2020” article written and posted before 2021 rolls in. I’ve written these articles to paint a picture of Arlington’s housing stock, and how our housing costs have changed over time. The first article looked at the number of one-, two-, and three-family homes and condominiums in Arlington. The second article looked at how the costs of these homes has varied over time.
In this article, I’m going to look at the per-unit costs for our different housing types. The per-unit cost is just the assessed value, divided by the number of units. For condos and single-family homes, the unit cost is simply the assessed value. For two-family homes, it’s the assessed value divided by two. For a ten-unit apartment building, it’s the assessed value divided by ten. We’ll look at the price ranges within housing types, as well as the general differences between them.
The information here doesn’t include residential units from Arlington’s 76 mixed-use buildings. (My copy of the assessor’s data doesn’t distinguish between residential and commercial units in these buildings; I’ll try to say more about them in 2021.) It also omits units owned by the Arlington Housing Authority.
Condominiums
Condominiums provide the most variety and cost diversity. A condo can be half of a duplex, or part of a much larger multi-family building. The low end of the scale tends to be 500–600 square foot units that were built in the 1960’s; the high end tends to be more spacious new construction.

This graph is a histogram, as are the others in this article. The horizontal axis shows cost per unit, and the vertical axis shows the number of units in each particular cost band.
The per-unit price distribution is
min | 1st quartile | median | mean | 3rd quartile | max |
$92,600 | $344,450 | $473,100 | $500,086 | $640,850 | $1,241,000 |
Single-family homes
Single family homes are heavily concentrated around the $700,000 mark. There’s very little available for less than a half million dollars.

Per unit rice distribution:
min | 1st quartile | median | mean | 3rd quartile | max |
$103,700 | $679,900 | $771,900 | $825,172 | $908,750 | $3,232,700 |
The $103,700 single-family home deserves some explanation. The property straddles the border between Arlington and Lexington; it appears that the $103k assessed value reflects the portion that lies in Arlington.
Two-family Homes
Two-family homes are the bread and butter of East Arlington; they’re also common in the blocks off Mass ave near Brattle Square and the heights. Many of these homes are older and non-conforming, and they’re gradually being renovated and turned into condominiums.
As a reminder, these are costs per unit (as opposed to the cost of the entire two-family home).

Per unit price distribution:
Min | 1st quartile | median | mean | 3rd quartile | max |
$209,050 | $440,550 | $472,000 | $479,175 | $508,588 | $1,140,450 |
Three-family Homes
Unlike Dorchester and Somerville, three-family homes are not a staple of Arlington’s housing stock. But we have a few of them. Most were built between 1906 and 1930.

Per-unit price distribution:
Min | 1st quartile | median | mean | 3rd quartile | max |
$227,567 | $313,733 | $336,950 | $344,292 | $362,600 | $719,000 |
Small Apartments (4–8 units)
The majority of Arlington’s small apartment buildings were constructed during the first half of the 20th century. The most recent one dates from 1976.

Per-unit price distribution:
Min | 1st quartile | median | mean | 3rd quartile | max |
$154,950 | $202,950 | $227,775 | $231,619 | $255,775 | $403,875 |
Large Apartments (9+ units)
You’ll see three outliers in the per unit-cost distribution for large apartment buildings. These correspond to the newest apartment complexes in Arlington: The Legacy (2000), Brigham Square (2012), and Arlington 360 (2013).

Per-unit price distribution:
Min | 1st quartile | median | mean | 3rd quartile | max |
$117,013 | $141,383 | $153,006 | $195,789 | $170,973 | $474,631 |
All combined
Finally, we’ll put it all together in one picture, representing nineteen-thousand and some odd homes in town.

Per-unit price distribution:
Min | 1st quartile | median | mean | 3rd quartile | max |
$92,600 | $417,175 | $555,825 | $587,975 | $759,900 | $3,232,700 |
While there are lower-priced options available, a person coming to Arlington should expect to buy (or rent) a property that costs just shy of half a million dollars (or more).
Here is a spreadsheet with the cost distributions mentioned in this article.
The City of Somerville estimates that a 2% real estate transfer fee — with 1% paid by sellers and 1% paid by buyers, and that exempts owner-occupants (defined as persons residing in the property for at least two years) — could generate up to $6 million per year for affordable housing. The hotter the market, and the greater the number of property transactions, the more such a fee would generate.
Other municipalities are also looking at this legislation but need “home rule” permission, one municipality at a time, from the state to enact it locally. Or, alternatively, legislation could be passed at the state level to allow all municipalities to opt into such a program and design their own terms. This would be much like the well regarded Community Preservation Act (CPA) program that provides funds for local governments to do historic preservation, conservation, etc.
This memorandum from the City of Somerville to the legislature provides a great deal of information on the history, background and justification for such legislation.
House bill 1769, filed January, 2019, is an “Act supporting affordable housing with a local option for a fee to be applied to certain real estate transactions“.
COMMENT:
KK: This article suggests Arlington may be likely to pass a real estate transfer tax: https://www.counterpunch.org/2019/12/19/boston-one-step-closer-to-a-luxury-real-estate-transfer-tax/
by Beth Elliott
I’m a member of the Affordable Housing Trust Fund Board and an attorney with over 15 years of practice in affordable housing law. Views expressed are my own, not those of the Trust.
The Town of Arlington and the Arlington Affordable Housing Trust Fund have created the Acquisition, Creation and Conversion (ACC) Program to provide a flexible source of funding for creating deed-restricted affordable housing in Arlington. Up to $250,000 is available per restricted unit, and the Town has dedicated federal ARPA funds to support the ACC Program.
ACC Program funds can be used to build new deed-restricted affordable units, whether rented or owned. ACC funds can only be used for existing units if the current tenants will not be displaced.
“Deed-Restricted” Is Important
“Deed-restricted” is the key component here. Housing that is “deed-restricted” as affordable housing is protected by a legally binding agreement that is recorded against the property in the registry of deeds. This agreement specifies the levels of affordability that must be maintained and for how long. It’s a public commitment to provide affordable housing that binds the current owner of the property as well as anyone else who buys the property while the restriction is in place. The ACC Program requires affordability for at least 20 years for rental units and in perpetuity for homeownership units. For rental properties, this means that tenants know that their units will remain affordable for the long term, even if their landlord changes.
Personally, I’m most excited about the potential to use the ACC Program to apply these protections to existing naturally occurring affordable housing in Arlington. For example, if an owner of an existing apartment building participates in the ACC Program, some or all of the apartment units will become deed-restricted affordable housing. Because ACC Program funds can only be used if the existing tenants aren’t displaced, this locks in deed-restricted affordability for the existing tenants. This innovative feature of the program is rare in my experience of affordable housing programs, and it has RFP potential to make meaningful change for existing tenants of naturally occurring affordable housing.
Get the Full Rules
In addition, the ACC Program can be combined with other funding sources, so there is great opportunity for owners to propose their own solutions. The Request for Proposals (RFP) issued for the ACC Program, available here, provides the full rules for participating in the program.
As the public hearings on the zoning articles proceeded in late winter and early spring, 2019, it became clear that there was a very strong sentiment that the proposed increase in density in these designated zoning districts should result in an increase in affordable housing in Arlington. This coincided with the approved 2015 Master Plan’s stated goals:
- Encourage mixed-use development that includes affordable housing, primarily in well-established commercial areas.
- Provide a variety of housing options for a range of incomes, ages, family sizes, and needs.
- Preserve the “streetcar suburb” character of Arlington’s residential neighborhoods.
- Encourage sustainable construction and renovation of new and existing structures (see ch. 5, pg 77++ for housing section)
- The Yes on 16 report supports the citizen initiated petition resulting in Article 16 and demonstrates the tremendous impact of rapidly increasing land values on the overall affordability of property in Arlington. Building a stack of homes on one footprint is far more financially affordable than creating a single home on the same footprint of land.
This letter appeared in the Boston Globe on Dec. 19th. It’s reprinted
here with permission from the author, Eugene Benson.
The Dec. 12 letter from Jo Anne Preston unfortunately repeats misinformation making the rounds in Arlington (“Arlington is a case study in grappling with rezoning“).
At April Town Meeting, the Arlington Redevelopment Board recommended a vote of no action on its warrant article that would have allowed increased density along the town’s commercial corridors in exchange for building more affordable housing (known as “incentive zoning”), when it became obvious that the article would be unlikely to gain a two-thirds vote for passage, in part because of the complexity of what was proposed.
A warrant article to allow accessory dwelling units in existing housing (“in-law apartments”) gained more than 60 percent of the vote at Town Meeting but not the two-thirds vote necessary to change zoning.
The letter writer mentioned “naturally occurring affordable apartment buildings.” The typical monthly rent for an apartment in those older buildings ranges from about $1,700 for a one-bedroom to about $2,300 for a two-bedroom, according to real estate data from CoStar. Those are not affordable rents for lower-income people. For example, a senior couple with the national average Social Security income of about $2,500 per month would spend most of their income just to pay the rent.
We need to protect the ability of people with lower incomes to withstand rent increases and gentrification. That, however, requires a different approach than hoping for naturally occurring affordable housing to be there even five years from now.
Eugene B. Benson
Arlington
The writer’s views expressed here are his own, and are not offered on behalf of the Arlington Redevelopment Board, of which he is a member.