H ousing Seminar

Marianna, Riyah, Reine, Zain

Topics Covered
The “Ghettos”

Affordable Housing

Redlining (2 Slides)

Demographics of Homelessness

Types of Homelessness

Frequently Asked Questions About Homelessness (2 Slides)

Bibliography

Kahoot time
The “ghettos”
-African Americans + minorities were forced into certain geographic areas manly
because :
-discriminatory mortgage
-lack of access to credit
-lower incomes have blocked homeownership
for african american

-when A.A tried getting a house/apartment in a non

“ghetto” neighborhood the purchase price raised
35-115%
“Inner city poverty”
Affordable housing
-No country in the U.S has affordable housing for families in poverty
-rent across the nation has increased + families in need of affordable housing

- New Research from the Urban Institute says “...supply of housing for low income
is decreasing
** 2000, 37 out of 100 could afford rental homes
**2013, 28 out of 100 could afford rental
homes… 25% decline
Redlining
● Redlining is to decline a loan or insurance to someone because they live in an
area deemed to be a poor financial risk.
● Was started by the government and adopted by private banks in the 1930’s.

● Associated Bank was a major redliner and denied

qualified people loans in Chicago, Milwaukee, and
Minneapolis.
● Redlining was outlawed in 1968 because of the Fair
Housing Act.

Map of redlining in Chicago

(Areas in red are redlined)
Redlining Today
● Although Redlining was outlawed in 1968, people are still affected by past
redlining and forms of redlining today.
● The same neighborhoods are still targeted for Predatory Lending and Retail
Redlining.
● Predatory Lending is the practice of using unfair or abusive loan terms on a
borrower
● Retail Redlining is unfair resource distribution in racially distinct areas.
● Many families can still not afford homes because of denied loans before
redlining was illegal

Scary image of Retail Redlining

Demographics Of Homelessness
Info from HUD (housing and Urban Development)

➢ 549,928 individuals were found homeless in one night in January 2016.

○ 40,000 vets, and 66% were sheltered, 33% were not.

➢ 35% of homeless live in family homes, while 65% are individuals.

○ In 2013, only 15% were living in family homes.

➢ 31% were under 24 years old.

➢ California, New York, Texas, Florida, and Washington accounted for more
than half of the homeless population in 2016.
 Types of Homelessness
There are 3 main types of homelessness- Chronic, Transitional,
and Episodic.

Chronic Homelessness

- Use of shelters as long term housing. Usually older.

Transitional Homelessness

- Enter shelters for a short period

- Usually younger, precariously housed, possibly from a
catastrophe

Episodic Homelessness

- Frequently shuttle in and out of homelessness

- Most likely young, chronically unemployed
- Many suffer from substance abuse, medical, or mental
health issues
Frequently asked questions about Homelessness
Who should call?

● Homeless and in need of shelter

● Housed but concerned of losing it

Where to call?

● Chicago City Services at “311” or (312)

744-5000

● Callers transferred to Homeless

Prevention Call Center
Frequently asked questions about Homelessness
How many homeless students are in
Chicago?

● CPS reported serving 17,894

homeless students during the
2017-18 school year
● 4.8% of total students enrolled at
CPS are homeless
● The majority (88%) of CPS
homeless kids live with someone
else
● The majority (98.3%) of CPS
homeless kids are of color
 Sites
https://www.chicagohomeless.org/faq-studies/

http://nationalhomeless.org/about-homelessness/

http://www.thedailybeast.com/articles/2014/03/13/how-we-built-the-ghettos.html

https://www.washingtonpost.com/news/wonk/wp/2015/05/28/evidence-that-banks-
still-deny-black-borrowers-just-as-they-did-50-years-ago/?utm_term=.38189a42f5
3c

https://www.pbs.org/wgbh/frontline/article/in-americas-affordable-housing-crisis-m
ore-demand-but-less-supply/

https://www.citylab.com/equity/2015/06/every-single-county-in-america-is-facing-a
n-affordable-housing-crisis/396284/
time!
(link)