RURAL HOUSING PERSPECTIVES Joe Belden, Housing Assistance Council Southern Legislative Conference Oklahoma City, Oklahoma July 2, 28 www.ruralhome.org
Section 52 Guaranteed Homeownership Loans Obligation State ALABAMA ARKANSAS FLORIDA GEORGIA KENTUCKY LOUISIANA MARYLAND MISSISSIPPI MISSOURI NORTH CAROLINA OKLAHOMA SOUTH CAROLINA TENNESSEE TEXAS VIRGINIA WEST VIRGINIA 657,6 759 436,342,572 83,452,953 975 784 298,4,398 986 43 $67,68 $48,472 $,322 $54,866 $25,25 $8,893 $32,553 $49,649 $7,583 $6,92 $68,68 $34,828 $4,688 $34,646 $2,34 $52,74 National Total 35,322 $3,663,597
Persistent Poverty Counties, 96-2 US States Persistent Poverty Status Source: USDA ERS and HAC Tabulations of 2 Census of Population and Housing, Demographic Profile 3. Persistent Poverty County
Homes in or Near Foreclosure - April 28 State ALABAMA ARKANSAS FLORIDA GEORGIA KENTUCKY LOUISIANA MARYLAND MISSISSIPPI MISSOURI NORTH CAROLINA OKLAHOMA SOUTH CAROLINA TENNESSEE TEXAS VIRGINIA WEST VIRGINIA Units 3688 5884 242,883 58,998 3677 3 4,72 85 25,278 29,3 942 982 25,76 78,248 25,524 43 Source: Realtty trac, July 28 l
State Rural % Rural Population Alabama,769,99 38.8 Arkansas,36,4 48.9 Florida,34,623 7.4 Georgia 2,362,55 26. Kentucky 2,72,93 52. Louisiana,35,434 29.9 Maryland 527,3 9.4 Mississippi,822,44 62.4 Missouri 2,2,664 34.9 North Carolina 3,24,52 36. Oklahoma,468,9 4.4 South Carolina,98,6 25.8 Tennessee 2,3,263 33.8 Texas 3,7,28 6.2 Virginia,589,43 2. West Virginia,32,59 56.8
Rural Poverty Total Persons % Total Rural Persons in % Rural State in Poverty Poverty in Poverty Poverty Alabama 698,97 6. 296,889 7.6 Arkansas 4,777 5.8 23,749 7.7 Florida,952,629 2.5 76,282 5.8 Georgia,33,793 3. 373,33 7.5 Kentucky 62,96 5.8 43,874 9.7 Louisiana 85,3 9.6 35,568 23.7 Maryland 438,676 8.5 46,97 9.9 Mississippi 548,79 9.9 42,22 22.9 Missouri 637,89.7 274,822 4.6 North Carolina 958,667 2.3 423,56 4.6 Oklahoma 49,235 4.7 238,724 7. South Carolina 547,869 4. 82,29 7.6 Tennessee 746,789 3.5 282,98 5. Texas 3,7,69 5.4 68,353 8. Virginia 656,64 9.6 85,373 2.7 West Virginia 35,794 7.9 99,74 9.8
Homeownership Rate State Total Homeownership % Rural Homeownership % Alabama Arkansas Florida Georgia Kentucky Louisiana Maryland Mississippi Missouri North Carolina Oklahoma South Carolina Tennessee Texas Virginia West Virginia 72.5 69.4 7. 67.5 7.7 67.9 67.7 72.4 7.3 69.4 68.4 72.2 69.9 63.8 68. 75.2 77.6 72.7 79.3 73.7 75.2 74. 74.9 74. 73.9 74. 72.6 76.2 76. 75. 76.4 78.2
2.4 84,459 6.6 22,232 West Virginia 5.7 93,54 5.9 6,37 Virginia 8.6 239,48 8.2 66,443 Texas 9.2 44,64.6 235,666 Tennessee 27.4,722 2. 36,32 South Carolina 3.9 78,578 9.6 28,678 Oklahoma 23.5 27,252 5.8 494,555 North Carolina 5.2 5,7 7.5 65,39 Missouri 9.3 29,525 6. 68,52 Mississippi 6.7 2,43.7 34,48 Maryland 2.7,238 2.4 24,92 Louisiana 2. 74,433 3.3 2,63 Kentucky 26.5 25,653.4 342,649 Georgia 32.3 46,56.3 653,72 Florida 7.9 94,256 4.2 48,29 Arkansas 24.3 62,866 5.5 269, Alabama Homes Homes State % Manufactured % Manufactured Rural Total Manufactured Homes
.36 5,63. 7,45 West Virginia.57 9,36.72 9,55 Virginia.3 3,29.74 54,853 Texas.93 7,8.64 4,34 Tennessee.95 3,845.62 9,52 South Carolina.7 4,3.56 7,546 Oklahoma.8 9,265.62 9,295 North Carolina.86 6,57.54,923 Missouri.2 6,84.86 9,5 Mississippi.72,333.46 9,33 Maryland.78 3,762.65,77 Louisiana.4,59.94 4,947 Kentucky.8 6,635.57 7,7 Georgia.58 2,625.48 3,34 Florida.2 5,339.8 8,327 Arkansas.86 5,726.63,5 Alabama % Lacking Plumbing % Lacking Plumbing State Rural Units Total Units Inadequate Plumbing
Housing Affordability State Total Cost Burdened Households (%) Rural Cost Burdened Households (%) Alabama Arkansas Florida Georgia Kentucky Louisiana Maryland Mississippi Missouri North Carolina Oklahoma South Carolina Tennessee Texas Virginia West Virginia 8.9 8.3 24.9 22.5 7.6 2.2 24.7 9.8 8.4 2.7 8.9 9. 2.7 22. 22. 6.8 5. 6.4 6.2 7. 5. 7.2 2. 8.6 4.5 8. 5.9 6.6 5.9 5.4 5.9 5.3
High Cost Loans Total Rural State High Cost Loans % High Cost Loans % Alabama 37,34 23. 3,699 26.7 Arkansas 2,296 22 9,597 3.6 Florida 9,856 7.5 8,733 6.5 Georgia 83,97 8.9 8,72 25.5 Kentucky 26,38 7.4 2,482 22.3 Louisiana 37,54 24.3,433 34. Maryland 59,366 5.3 4,232 2. Mississippi 26,78 3.7 6,83 38.4 Missouri 54,854 9.5 3,462 2.7 North Carolina 56,734 5.7 9,49 8.9 Oklahoma 28,74 22.2,35 27.9 South Carolina 3,38 8.3 7,4 22.5 Tennessee 5,62 2.6 7,245 26.9 Texas 59,947 9. 7,458 25. Virginia 6,324 2.5,6 6.4 West Virginia 9,638 6.5 5,759 9.9
Decline in USDA Housing Programs Selected USDA Rural Housing Program Production FY 985 - FY 25 Units Built 45 4 35 3 25 2 5 5 985 987 989 99 993 995 997 999 2 23 25 Section 55 Rental Housing Units Section 52 Homeownership Units
Section 52 Direct Homeownership Loans Obligation State ALABAMA ARKANSAS FLORIDA GEORGIA KENTUCKY LOUISIANA MARYLAND MISSISSIPPI MISSOURI NORTH CAROLINA OKLAHOMA SOUTH CAROLINA TENNESSEE TEXAS VIRGINIA WEST VIRGINIA 24 267 53 37 49 328 7 4 385 463 246 92 46 54 229 96 $23,39 $22,69 $54,624 $4,54 $42,838 $35,74 $9,33 $34,5 $33,566 $44,347 $2,63 $2,75 $4,83 $46, $3,667 $7,988 National Total,448 $,28,329
$35,77 5,939 $37,6 6,447 National Total $737 63 $476 7 WEST VIRGINIA $729 23 $696 29 VIRGINIA $,497 236 $2,627 356 TEXAS $928 24 $93 24 TENNESSEE $469 6 $692 8 SOUTH CAROLINA $35 53 $457 82 OKLAHOMA $2,25 362 $,366 242 NORTH CAROLINA $2,8 346 $92 25 MISSOURI $,648 27 $2,55 299 MISSISSIPPI $237 3 $327 54 MARYLAND $97 53 $5,37 42 LOUISIANA $2,994 547 $97 95 KENTUCKY $,4 44 $,7 77 GEORGIA $846 74 $,472 266 FLORIDA $682 3 $763 5 ARKANSAS $,88 65 $,96 95 ALABAMA State Obligation Loans Obligation Grants Section 54 Rehab Loans Section 54 Rehab Grants
$78,784 8 $2,4 24 National Total $ $ WEST VIRGINIA $392 5 $ VIRGINIA $78 $ TEXAS $865 4 $ TENNESSEE $6,28 2 $8 SOUTH CAROLINA $2,3 5 $, OKLAHOMA $8,883 6 $225 NORTH CAROLINA $542 2 $ MISSOURI $586 2 $, MISSISSIPPI $ $ MARYLAND $3,3 4 $ LOUISIANA $ $ KENTUCKY $2,653 2 $ GEORGIA $,435 2 $ FLORIDA $476 $, ARKANSAS $ $ ALABAMA State Obligation Loans Obligation Loans Section 55 Rental (Rehab) Section 55 Rental (New)
$3,43 93 National Total $34 WEST VIRGINIA $ VIRGINIA $23 TEXAS $47 3 TENNESSEE $25 SOUTH CAROLINA $345 3 OKLAHOMA $49 3 NORTH CAROLINA $83 2 MISSOURI $ MISSISSIPPI $472 MARYLAND $492 2 LOUISIANA $25 KENTUCKY $25 GEORGIA $,69 FLORIDA $86 6 ARKANSAS $ ALABAMA State Obligation Grants Section 523-Self-Help
Section 538 Guaranteed Rental Loans Obligation State ALABAMA ARKANSAS FLORIDA GEORGIA KENTUCKY LOUISIANA MARYLAND MISSISSIPPI MISSOURI NORTH CAROLINA OKLAHOMA SOUTH CAROLINA TENNESSEE TEXAS VIRGINIA WEST VIRGINIA 5 3 2 6 4 4 $2,445 $,5 $7 $3,925 $2,9 $ $3,97 $ $ $8 $,24 $ $8,84 $4,33 $ $4,55 National Total 86 $9,356