Any opinions expressed in this paper are those of the author(s) and not those of the Joint Center for Housing Studies of Harvard University or of any of the persons or organizations providing support to the Joint Center for Housing Studies. [...] This paper reviews the range of evidence regarding contemporary US housing conditions and physical performance, the effectiveness of home repairs, and the current landscape of public- and civil- sector programs that provide repairs and the evolving advocacy that has established these programs. [...] The following paper reviews the state of housing conditions and repair needs, the household outcomes from not addressing these needs, the range of interventions intended to address the needs, the interventions’ effectiveness, and the overall policy context, lessons, and opportunities to ensure that interventions can be more effective, comprehensive, and accessible. [...] In this section, we review the contemporary national landscape of home repair programs as they manifest at the scale of individual homes and households.41 The review starts with the first of these key distinguishing factors between repair programs: the population that they intend to serve—that is, the mix of income, demography, and geography that determine eligibility for local assistance. [...] The insurance is structured between the “limited” program (which permits the integration of the repair costs into the mortgage to later pay for them) and the “standard” program (which insures the repair costs alone of at least $5,000 up to the FHA area mortgage limit).
Authors
carlos_martin@harvard.edu;Alan Mallach;Todd Swanstrom;Austin Harrison;sophia_wedeen@harvard.edu
Related Organizations
- Pages
- 63
- Published in
- United States of America
Table of Contents
- Executive Summary0F 3
- Table of Contents 6
- Introduction 7
- 1. Housing Conditions and the Need for Repair Intervention 8
- The Dimensions of Substandard Housing 8
- Broader Repair Needs 12
- Emerging Challenges 13
- 2. Effects of Housing Deterioration 15
- Individual and Household Effects 16
- Neighborhood-Level Effects 18
- Summary of Evidence 20
- 3. Programs, Providers, and Budgets 20
- Federally Supported Programs 23
- HUD CDBG 24
- HUD HOME 25
- DOE WAP 26
- HUD Lead Hazard Control and Healthy Homes 26
- FHA 203(k) Rehabilitation Mortgage Insurance 27
- FHA Title 1 Loans 27
- USDA Section 504 27
- VA HISA and Disability Housing Grants 28
- HHS ACL 28
- FEMA IA 29
- SBA Disaster Loans 29
- HUD CDBG-DR 30
- FEMA Hazard Mitigation Assistance Grants 30
- DOE IRA Rebates 31
- EPA GGRF 31
- State and Locally Supported Programs 32
- State and Local Home Modification Loans and Grants for Target Populations 32
- HFA Home Repair Loans 33
- HFA Energy Retrofit Loans and Rebate Programs 33
- State Energy Commission Utility Incentive Programs 34
- PACE and Other Local Financing Programs 34
- Pennsylvania’s WHRP 34
- Richardson, Texas HIIP 35
- Philadelphia, Pennsylvania BSRP 35
- Civil-Sector Programs 35
- Rebuilding Together 35
- Green and Healthy Homes Initiative 36
- Habitat for Humanity 36
- SBP 37
- State and Local Civil-Sector Programs 37
- Private-Sector Philanthropy 38
- 4. Repair and Repair Program Outcomes 38
- Evaluations of Specific Repairs 40
- Evaluations of Home Repair Programs 42
- Summary of Evidence 45
- 5. Policies and Policy Levers 46
- The Policy Evolution 46
- Lessons and Challenges 47
- Scale 47
- Funding 48
- Repair Type 49
- Siloes 49
- Loan Programs 50
- Recommendations 51
- Align Federal Programs 51
- Build Local Capacity 52
- More Resources Are Needed 53
- Increase the Evidence Base 53
- Build the Constituency 54
- 6. Workshop Discussions 55
- Federal Programs Workshop 57
- State and Local Programs Workshop 58
- Civil-Sector Programs Workshop 59
- Conclusion 61
- Appendix 1. List of Final Registrants 63
