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== EITC (Earned-Income Tax Credit) Housing Supplement ==
=== [Dolbeare 2001]<br/> <br/> "discussions of the voucher program often tend to be negative. Unless the NLIHC findings are badly off base, it is unlikely that such discussions will generate the scale of support that is needed to make a meaningful dent in the housing affordability problem." ===
[Dreier 2016]. ▼
"There are now, however, three mainstream Federal programs that could be adapted to meet the scale of the housing affordability problem: the Earned Income Tax Credit (EITC) for working families, Supplementary Security Income (SSI) for elderly or disabled households, and the food stamp program. Moreover, none of these programs is limited to renter households, as is the current HUD voucher program. One-half of all households with severe problems are owners, and they are predominantly low-income owners. Therefore, it would make sense to explore how these programs might be expanded and adapted to address at least severe housing affordability problems at their true scale. Such an approach should, in my view, be explored as a supplement to, not a replacement for, HUD’s current programs, including vouchers."
"'''Expanding the EITC''':<br/> The driving concept behind the EITC is the notion that people who work full time should be able to afford the basic necessities of life for themselves and their families. Therefore, it would make sense to explore ways of adapting the EITC to enable it to cover at least a substantial portion of the gap between earnings and the housing wage, or the income needed to<br/> afford modest but adequate housing. This would require both a substantial increase in the cost of the credit and developing workable means of linking the amount of the credit to the local cost of housing and to make at least the housing portion of the credit payable monthly.
"It could be worth exploring how a housing add-on to the EITC could be designed initially to address the affordability problems of most working families. For example, such an add-on could cover one-half of housing costs in excess of 30 percent of income, capped at the relevant payment standard or FMR in the jurisdiction. Such a program, if fully implemented, could assist a substantial portion of the 12.7 million cost-burdened families who receive at least one-half of their income from work. In 1999 there were 11.3 million cost-burdened working households with incomes below 120 percent of area median and the total gap between 30 percent of their incomes and their housing costs (or the relevant FMR, whichever is lower) amounted to more than $19 billion annually."
"Congress should revise the EITC’s benefit levels to account for differences in the cost of living, particularly housing costs. This approach would reach many more families and require much less bureaucracy than the housing voucher program. [http://www.huduser.gov/Periodicals/CITYSCPE/VOL5NUM2/dolbeare.pdf Cushing Dolbeare], founder of the National Low Income Housing Coalition, first proposed this idea in 2001, and several [http://www.brookings.edu/research/reports/2003/10/childrenfamilies-stegman researchers] at the University of North Carolina explored it two years later, but it gained no political traction at the time. As the housing crisis has worsened, and the EITC has gained in popularity, it is time to give the idea a second look, and make it simpler.
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*Bipartisan Policy Center (2013). "[http://bipartisanpolicy.org/wp-content/uploads/sites/default/files/BPC_Housing%20Report_web_0.pdf Housing America’s Future: New Directions for National Policy.]" February 2013.<br/> [http://bipartisanpolicy.org/wp-content/uploads/sites/default/files/BPC_Housing%20Report_web_0.pdf http://bipartisanpolicy.org/wp-content/uploads/sites/default/files/BPC_Housing%20Report_web_0.pdf].<br/>
*Blumgart, Jake. "[http://www.slate.com/articles/business/moneybox/2016/07/it_s_time_for_universal_housing_vouchers.html What an Affordable Housing Moonshot Would Look Like. Too many Americans live on the edge of eviction. Could this ambitious plan fix the problem?]" ''Slate, ''July 1 2016.<br/> [http://www.slate.com/articles/business/moneybox/2016/07/it_s_time_for_universal_housing_vouchers.html http://www.slate.com/articles/business/moneybox/2016/07/it_s_time_for_universal_housing_vouchers.html].<br/>
*BT Online. "[http://www.businesstoday.in/sectors/infra/house-rent-government-vouchers-payment/story/247697.html Government might soon pay your house rent through vouchers in 100 Indian cities.]" March 9th, 2017. [http://www.businesstoday.in/sectors/infra/house-rent-government-vouchers-payment/story/247697.html http://www.businesstoday.in/sectors/infra/house-rent-government-vouchers-payment/story/247697.html].<br/>
*Dolbeare, Cushing N. (2001). "[https://www.huduser.gov/Periodicals/CITYSCPE/VOL5NUM2/dolbeare.pdf Housing Affordability: Challenge and Context]." ''Cityscape: A Journal of Policy Development and Research''. Volume 5, Number 2, 2001. (published by U.S. Department of Housing and Urban Development • Office of Policy Development and Research). <br/> [https://www.huduser.gov/Periodicals/CITYSCPE/VOL5NUM2/dolbeare.pdf https://www.huduser.gov/Periodicals/CITYSCPE/VOL5NUM2/dolbeare.pdf].<br/> ''[cited by [Dreier 2016] as earliest proposal of an "EITC Housing Supplement"].''<br/>
*Dreier, Peter (2016). "[https://democracyjournal.org/arguments/housing-and-the-working-poor/ Housing and the Working Poor: Sky-high rents, not enough affordable homes—that’s our housing crisis in a nutshell. Here’s one idea to help the millions who can barely afford to keep a roof over their head]." ''Democracy Journal, ''29 March 2016. <br/> [https://democracyjournal.org/arguments/housing-and-the-working-poor/.
▲Dreier, Peter (2016). "[https://democracyjournal.org/arguments/housing-and-the-working-poor/ Housing and the Working Poor: Sky-high rents, not enough affordable homes—that’s our housing crisis in a nutshell. Here’s one idea to help the millions who can barely afford to keep a roof over their head]." ''Democracy Journal, ''29 March 2016. <br/> [https://democracyjournal.org/arguments/housing-and-the-working-poor/. https://democracyjournal.org/arguments/housing-and-the-working-poor/. ]
*Hertz, Daniel. [http://cityobservatory.org/make-housing-vouchers-an-entitlement-we-can-afford-it/ "Make housing vouchers an entitlement—we can afford it."] City Observatory, 2016-01-05. [http://cityobservatory.org/make-housing-vouchers-an-entitlement-we-can-afford-it/ http://cityobservatory.org/make-housing-vouchers-an-entitlement-we-can-afford-it/]<br/>
*Hertz, Daniel. [http://cityobservatory.org/low-income-housing-tax/ "Why not make housing assistance to the low-income as easy as assistance to the high-income?"] City Observatory, 2016-01-21. [http://cityobservatory.org/low-income-housing-tax/. http://cityobservatory.org/low-income-housing-tax/. ]<br/>
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