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1. Affordable Housing in the U.S.
and Europe
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2. Housing Affordability
 Involves spending less than 30% of gross income for
housing.
 A household refers to all individuals occupying a given
housing unit.
 Affordable housing assists low income households to
obtain and pay for proper housing.
 It is to be without suffering unnecessary financial
hardship.
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3. Housing in United States
 Housing programs are abandoned in the planning
stage due to stiff competition.
 Financing packages to develop affordable housing is
time consuming and complex.
 System is decentralized.
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4. Housing in Europe
 Non-profit housing associations dominate in the
provision of affordable housing.
 Local and state governments have defined affordable
housing plan.
 Non-profit low-cost housing providers have ease in
accessing funding.
 Housing associations are socially oriented.
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5. SocialHousing in Europe
 Characterized by a wide range of national housing
situations.
 Different approaches are implemented in the European
union.
 The following are the factors to consider:
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6. Tenures
Providers
Providers
Providers
Financing Arrangements
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7. Housing for Low Income Households
Policies
• Policies for private sector to provide affordable Housing
have been set:
They offer avenue into the housing market.
Has reduced the need for social housing .
 Individual home ownership has been established in
Europe.
 It has reduced government subsidies and attracted
private sector involvement.
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8. Causes of Low Income Households
Problems
 Private providers selecting areas to operate.
 Decentralization of services.
 Third party provision of affordable housing.
 Deregulation of the social housing industry.
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9. For More Information On Affordable
Housing in the U.S. and Europe
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