What do you think of when you hear the word affordable housing? Do you think of homeless shelters or government subsidized housing? Affordable housing can mean different things to different people depending on your point of view (and your income). One must be careful with the use of the term affordable housing because it can be associated with negative social connotations.
What is the common definition of affordability? The Canada Mortgage and Housing Corporation's (CMHC) common definition is: "The cost of adequate shelter should not exceed 30% of household income. Housing which costs less than this is considered affordable. However, consumers, housing providers and advocacy organizations tend to use a broader definition of affordability." This can apply to rent or ownership projects.
Do people with mortgages in Salmon Arm actually meet this benchmark for affordability in either their mortgage payments/property taxes or rents?
What type of affordable housing do people expect to live in? For a first time home buyer just entering the market, do people expect to live in a 1,500 sq ft single family dwelling, a 1,000 sq ft dwelling, a small townhouse, a two bedroom apartment type home, etc? Please feel free to discuss what type of housing in today's market a first time home buyer should expect to live.
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Housing has been indentified as one of the 'major cogs' in current economic drivers, and is greatly affecting the other economic activities, e.g. land useage, business attraction and retention. Inventory of housing under $300,000 is extremely low and rental availability is scarce. There is a critical need for affordable housing and/ or affordable mechanisms for first time home buyers - this is reflective of the BC housing trend.
This situation has a rippling affect on labour, development, industry, college student residence therefore the College, retention of young professionals, attraction of business and individuals to our community, and children growing and staying in our community.
On behalf of the Salmon Arm Economic Development Society, a not-for-profit, I look forward to hearing views from all community members on this important topic.
Current home building in Salmon Arm (and Okanagan) is being tailored to unrealistic Real Estate prices. What is required is home building to reflect the needs of the public good.
We must enlist the help of both Federal and Provincial Governments: in both land procurement, infrastructure costs and financial packages. Eliminate the excessive costs and profits of private developers.
Consider use of crown lands, also use of marginal land within the ALR with federal and provincial departments in direct negotiation with land owners--no realtor or developer.
The proposed housing must be isloated from the current Real Estate market-driven phenomenon (supply and demand) which can be skewed and manipulated by the Real Estate industry to the detriment of the public good.
One method of increasing the availability of affordable housing that has been used in larger cities is to require every developer/owner of multi-family housing to dedicate a percentage of that housing to lower income owners or renters. This helps eliminate the stigma of living in "low cost housing" along with the negative trends (crime etc) of such areas. I don't know the exact mechanism by which this works but would assume it wouldn't take much research to dig it out.
BTW, kudos on putting this blog together; saw an article on the "students investigating the housing issue" and am happy to see that you are so open to public comment!
In today's hot real estate market finding affordable housing through traditional methods are failing thus this project has been started. Building new affordablle homes will require innovative solutions, reduction of overall development costs, and to eliminate or reduce the profit for affordable housing projects.
Lawrenanne the method you speak of for increasing affordability has been implemented in other smaller communities (similar to the size of Salmon Arm) as well as the larger cities. It is a relatively simple policy that local governments can implement to effectively increase the affordable housing supply. Take a look at the new thread of different options municipalities can implement to create affordable housing.
Hello my name is Lawrence Reid, I attended the Okanagan College as a GIS student in Jan to June of this year. I found it very hard to find affordable housing while I was there. There are also very few places to rent and the places that are available are very high in rent. Higher than in Vancouver by comparison of what you are been offered to pay for. There is a huge demand for affordable student housing in Salmon Arm, with talk of expanding the college it is only logical to develop student housing if they want people to move there to attend the college.
Peace
Lawrence Reid
Former GIS Student
Lawrence
I am aswell from the College here in town and I am writing an atricle on the lack of sutdent housing. I am looking forward to hearing ways to solve S.A's affordable housing problem, but i do have one question. Is it just houses that are being talked about being built or appartment buildings as well? and what is an affordable cost?
Good words.
i live at ida-vista co-operative housing association. i receive disability benefits for persons with disability. my monthly allowance is $850.00 i am required to pay $697.00 per month plus utilities or i will be evicted. any suggestions?????
Most often, people and families look for medium sized apartments of about 600-800 square feet. They expect gradual mobility to a larger size. There are many innovative options- like movable interior walls etc which can make affordable housing intersting to live in and remove the stigma of compromise..... good work on this blog
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my husband and I have been looking for two years for affordable housing in and around salmon arm.We are from the cariboo and both suffer from ostioarthritis and were told by our doctors to move to a warmer drier climate. We lived in salmon arm in 08 but were forced to move back here for lack of affordable housing. we are on disability and still are on your list. but still nothing. we are determaned to live in the okanogan are you determined to fix the problem. sincerly in pain.
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