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Blair Housing Study 2016-01Blair Housing Study Blair, NebraskaJanuary 2016 II Blair Housing Needs Study • Blair, Nebraska Acknowledgements City of Blair Mayor Mayor James Realph Council Members Kevin Hall Ward 1 Dr. Ben Hansen Ward 3 Chris Jensen Ward 1 Kevin Willis Ward 3 Brad Andersen Ward 2 Marty Shepard Ward 4 Frank Wolff Ward 2 Jon Stewart Ward 4 City Staff Rodney Storm, City Administrator Phil Green, Assistant City Administrator Brenda Wheeler, City Clerk Planning Consultant Jeffrey B. Ray, AICP Kevin Andersen IIIBlair Housing Needs Study • Blair, Nebraska Table of Contents Executive Summary Community Profile Existing Housing Analysis Community Engagement Projections Implementation 1 2 6 14 18 21 IV Blair Housing Needs Study • Blair, Nebraska 1Blair Housing Needs Study • Blair, Nebraska Executive Summary The city of Blair is located on the eastern border of Nebraska, along the Missouri River. The community is centrally located in Washington County, within the Omaha/ Council Bluffs Metropolitan Statistical Area. This study exists to examine the housing market of Blair and document area housing data and conditions. The goal of the document is to provide support for community decisions and strategies regarding housing improvement and development in the community. It is understood that housing is an integral component of economic development, quality of life, and overall community success. A portion of this study and the Comprehensive Plan update were funded by Nebraska Investment Finance Authority’s (NIFA) Housing Study Grant Program. The Housing Study Grant Program is designed to stimulate ideas for regional, community and neighborhood plans encompassing housing, community, economic, and place-based development opportunities in Nebraska. Executive Summary The Blair Housing Study was developed in conjunction with a major update to the city’s Comprehensive Plan. Within the context of the planning process, public participation involved a series of focus group meetings, on-line engagement, and engaging select stakeholders in housing, community and economic development to discuss housing needs and opportunities in Blair. The process was overseen by a selected steering committee consisting of various stakeholders and community leaders. The first step in the study is to develop a profile of Blair. This profile is an understanding and analysis of Blair, its residents, and its housing stock. The purpose of the profile is to identify who the residents of Blair are, and what their future needs may be. This analysis also carries over to identify a potential market for future residents of the community and examining the appropriate housing options to attract population growth. The engagement step is a critical component of the planning process. Citizen participation is of the utmost importance in identifying the strengths, weaknesses, opportunities, and threats (SWOT) for housing development in the community. The residents, workforce, and business leaders of Blair have the most intimate understanding of the issues facing the community and housing stock. The third step in the planning process includes projection future housing needs and demands. Utilizing socioeconomic data and establishing trends of the existing population, a forecasted population base and housing demand are developed. These projections are designed to assist community leaders and private concerns in policy and investment decisions. Stakeholder input, in conjunction with highlighted community data, is utilized in the final step of the planning process. An implementation plan that complements the recommendations of the Comprehensive Plan was developed based on input gained throughout the planning process and targeted opportunities. This community action plan is created with strategies for addressing issues that may currently prohibit housing development in the community. Study Process 2 Blair Housing Needs Study • Blair, Nebraska Community Profile Blair’s historical growth is best summarized by consistent and, at times, rapid growth. The rapid growth of the “baby boomer” era has given way to steady growth trends over the past few decades. This growth can largely be attributed to the community’s quality of life amenities and history of strong agricultural economy and more recently, economic development and increasing connectivity to the city of Omaha. These growth trends weigh heavily on projections of future population growth in the community. The goal of this housing needs study is to identify strategies to develop housing that will accommodate and facilitate these growth trends. Population Figure 1. Blair Historic Population Community Profile 3Blair Housing Needs Study • Blair, Nebraska Comparing Blair’s growth with similar cities gives context to its growth and current population. Comparable cities are selected on factors such as proximity, current population, and geographic situation. Over the span of the past 40 years, Blair’s growth rate has exceeded that of the identified peer communities. Housing choice is imperative to growth on a regional perspective. With all of peer communities located within the Omaha/Council Bluffs Metropolitan Statistical Area, their growth respective to one another is largely determined by connectivity to job centers, quality of life amenities, and appropriate housing choice. Figure 2. Regional Population Trends Community Profile 4 Blair Housing Needs Study • Blair, Nebraska Age structure analysis provides a snapshot of the current population of a community by its respective age cohorts and gender. It also serves as a baseline for future population projections by allowing the viewer to track age groups through time compared with area birth, mortality and migration rate trends. With peak population points in the younger age groups, Blair is positioned to see natural growth through time. The youngest age groups will be served by child care facilities and the local school district. An annual evaluation of the capacity in these areas will help maintain a continued attraction by young families. Another large component of the population lies in the age groups of 45 to 65 (baby boomers). Blair must work to serve that population as their needs change with age. Currently, the oldest segment of the population is well represented as a share of Blair’s total population. Typically these age groups are attracted to, and retained in the community by specialized health care services like hospitals, clinics, skilled care facilities, and accommodating housing options. Regular analyses Figure 3. Blair Age Cohort - 2010 Community Profile should be given to these areas to gauge their capacity for growth. An aging population forecasts shifts in housing and employment needs in a community. Without adequate housing for an aging population, Blair may lose this demographic due to its high connectivity with other communities in the region. Diverse housing options such as smaller housing, ADA accessible housing, or housing facilities ranging from independent living to skilled care will help retain an older demographic. 5Blair Housing Needs Study • Blair, Nebraska In looking at recent trends of specific age cohorts, the most notable growth has occurred in young families. These families are characterized by children under the age of 19 and adults between the ages of 25 and 44. However, the community’s median age has increased, largely due to the growth in the oldest segments of the population. Every cohort above the age of 45 experienced growth over the most recent Census decade. This trend will weigh heavily on the community’s need to produce housing opportunities and quality of life amenities to retirees and seniors. Figure 4. Blair Age Cohort Trends Community Profile 6 Blair Housing Needs Study • Blair, Nebraska Existing Housing Analysis Mirroring its historic population growth, the development of Blair’s housing stock has remained relatively consistent since 1950. The community offers a diverse housing stock in terms of age. Almost 40% of the households in Blair were constructed after 1980, making the households less than 35 years old. A diverse housing stock is an essential element for community growth. Housing choice provides quality ownership and renter opportunities for families and individuals of all socio-economic standing. Figure 5. Blair Housing Stock Ages Existing Housing Analysis * Four years of data only * 7Blair Housing Needs Study • Blair, Nebraska Blair has closely followed the national trend of an increasing population while family and household size decline. This increased demand on housing development as less population is served in each household. An increasing amount of housing is required to support even a flat population growth trend. A community growing like Blair experiences exponential increase in housing demand. Blair’s relatively low vacancy rate, 2.4% in 2010, among owner-occupied units showcases the demand for new housing development in the area. Again echoing national trends the percentage of owner- occupied units of all occupied units has decreased slightly. In 1990 69.1% of occupied units were owner-occupied. In 2010 that number as decreased to 66.8%. In other words, approximately two-thirds of occupied units in Blair are owner-occupied. The other third are renter-occupied units. It should be noted that the closure of Dana College in 2010 had a significant impact on housing trends that were not accounted for in the 2010 Census. 2012 estimates make adjustments to housing data for the community. The overall vacancy rate increased to an estimated 12.4%, with a corresponding increase in the renter-occupied vacancy rate to an estimated 15.2%. The loss of Dana students had a significant impact on the rental market. Figure 6. Blair Housing Trends Existing Housing Analysis Figure 7. Blair Housing Trends 8 Blair Housing Needs Study • Blair, Nebraska Income is a major, if not the definitive, factor in terms of housing choice for a resident. The household income levels as reported by Census are documented in Figure 8. Blair’s median household income of $56,946 is well supported by the distribution of population at higher income levels. Over 57.1% of Blair households have income levels at, or above that of the Nebraska median household income of $50,723 in 2012. Showing a high level of income independence, over three-quarters of households in Blair receive their income from earnings, rather that fixed income sources of Social Security or personal retirement savings. Figure 8. Blair Household Income - 2012 Existing Housing Analysis 9Blair Housing Needs Study • Blair, Nebraska The relationship between income and housing is further explored in Figures 9 and 10. The U.S. Census defines monthly housing costs as the total cost of owning or renting a home, or the total of mortgage (rent), taxes, insurance, and utility costs. A total monthly housing cost in excess of 35% of household median income is considered to be a burden to the household. Of owners, the median monthly cost of ownership was an estimated $1,315 in 2012. This represents less than 1% of the estimated median home value and 27.7 of the monthly median household income in the same year. 63.2% of households in Blair pay less than 25% of their household income on housing costs. Any additional household income is beneficial to the community. It is assumed that income not spent on housing can be applied towards savings, and other, more discretionary spending that can benefit the community. Having such a high percentage of households well below the burden level is a positive indicator for the economic potential of the community. Figure 9. Blair Homeowner Costs - 2012 Existing Housing Analysis 10 Blair Housing Needs Study • Blair, Nebraska The monthly housing costs of renters paints a different picture in Blair. Nearly 50% of renter households in Blair can be considered to be carrying a housing burden based on their household income levels. Ideally rental households in a community should be committing much less of their income on housing expenses. There are many benefits of home ownership including accumulation of wealth via an appreciable asset. High homeownership rates also provide stability and personal investment to residential neighborhoods. In order to make the transition from renting to home ownership, residents must accumulate savings. Such a high ratio of housing expenses compared to household income make the savings process very difficult. Quality and affordable rental opportunities can be a large asset for a community. On average, the median monthly housing costs for renters exceeded and estimated $675 in 2012. Figure 10. Blair Renter Costs - 2012 Existing Housing Analysis 11Blair Housing Needs Study • Blair, Nebraska Steady population growth and a well- maintained, diverse housing stock have kept home values high in Blair. The estimated median home value in Blair in 2012 was $144,800, or $18,100 above the median value of Nebraska – statewide. Figure 11. Blair Owner-Occupied Unit Value - 2012 Existing Housing Analysis 12 Blair Housing Needs Study • Blair, Nebraska By analyzing the reported commuting patterns of a community, a logical conclusion can be made regarding the location(s) of employment for Blair residents. Figure 12 is a depiction of the estimated community trends by U.S. Census. The majority of commuting times lie under 15 minutes. This data trend suggests that many residents are working fairly locally; if not in Blair, than within a short drive of Blair. Over 12% of residents report a commute of 30 to 34 minutes. A commute of this time align with the travel time to much of the Omaha/Council Bluffs Metropolitan Area. As connectivity between Blair and Omaha is increased, it is acknowledged that Blair may become an attractive home for a commuting population. Figure 12. Blair Commute Times - 2012 Existing Housing Analysis 13Blair Housing Needs Study • Blair, Nebraska A field survey of housing conditions was conducted through the Fall 2015. Housing units visible from the Right of Way were analyzed on structural integrity utilizing federal Housing and Urban Development guidelines: Excellent – no improvements needed Minor Improvements – Improvements that a typical homeowner could repair Major Improvements – Improvements required that would likely be contracted Deteriorated – Significant structural repairs needed Vacant – No improvements on lot The analysis generated several observations that affect the housing market in Blair. First, the community has recovered well from a major hailstorm in June of 2014 that inflicted significant damage to properties throughout the community. The recovery and repair efforts likely improved the visible integrity of the overall housing stock via insurance claims repairing and replacing exterior elements such as roofs, siding, and windows. Housing Conditions Existing Housing Analysis Figure 13. Blair Housing Condition Rating 14 Blair Housing Needs Study • Blair, Nebraska Community Engagement The Blair Housing Study was conducted simultaneously to the city’s update to the Blair Comprehensive Plan. As such, the public participation process for the formulation of each document was shared. Successful plans involve the community to represent their needs and vision for the future. The over- arching goal of the public participation process is to provide a variety of opportunities for the public to become involved in the decision-making process. Community members are well-informed and have intimate knowledge to make the most of Blair’s potential. During the day of February 26, 2015 a series of focus group meetings were conducted to discuss select topics of interest to the community. These meetings involved select stakeholders involved professionally or personally in the fields of; housing, economic/business development, city services, and faith leaders. The general public was also invited to participate in these conversations. Each group of stakeholders was asked questions regarding their views on the community in general, with respect to their respective fields, and about goals and projects they see as beneficial to the community. The discussion of the Housing Focus group is detailed below. Housing Focus Group It is well established in the community that housing opportunity and investment is paramount facilitating Blair’s growth. The community has seen steady population growth for the past several decades, and projections indicate additional growth in the community. This growth, along with the continued work in local economic development, has corresponding pressure on the local housing market. The perception is that the demand for housing greatly exceeds local supply. City leaders wish to promote local housing development to capture and retain the regional workforce and ensure community growth. Assets The housing focus group identified the local employment opportunities and the school system as the community’s greatest strengths. Both of these factors are major draws to the area. Blair’s location within the Omaha MSA provides a lot of flexibility for residential choice. Therefore, a family’s place of residence isn’t necessarily exclusively determined by the location of employment. Blair is a relatively short drive to many of the employment centers within the city of Omaha. Quality of life factors like children’s education is a major decision factor for residential location decisions. The positive opinion of Blair’s school system is a significant amenity for the community. Weaknesses Various forms of transportation has a negative impact on the quality of life in Blair. Heavy truck and train traffic creates a disconnect for the community in a number of ways. From a circulation standpoint, these heavy users impact the ease of which a driver, biker, or pedestrian can access points in the community. The rail lines limit crossings at several points, especially limiting north-south traffic flow. A prevalence of truck traffic through town also hinders safe and comfortable circulation across many modes of transportation. Community Engagement 15Blair Housing Needs Study • Blair, Nebraska Town Hall Meeting On February 26, 2015, a series of two town hall meetings were held to solicit input regarding the community from the public at-large. This input was aimed to guide the direction and recommendations of the Comprehensive Plan update and Housing Study. Community Engagement The availability of housing in Blair was discussed as a significant weakness of the community. The developable land is a major contributor to the challenges of developing new housing, however there is lot availability within the community. Most housing choice in Blair is limited to detached single-family households. The lack of diversity in the housing stock prevents the local market from serving many types of demand and price-points. Especially as a large segment of the population ages and approaches retirement, housing options such as condominiums, attached single-family homes, and multi-family homes are a desired option. These housing types also often cater to the needs and demands of young professionals and families looking to locate in Blair. Blair’s location in the Omaha/Council Bluffs Metropolitan Area yields competition in regards to population growth and retention. A commuting population especially has multiple housing options throughout many communities in the region. A home-buyer can price-match as well as find a wider market for a desired housing type. For example, participating local Realtors in the focus group estimated that 50% of the starter home market finds homes elsewhere. Certain internal forces have proved to be a barrier to housing growth as well. Many of the newer subdivisions that have vacancies contain covenants which have turned away potential investment and construction. The condition of the existing housing stock also proves to turn away potential homebuyers for other markets. While Figure 13 indicates a well-rated housing stock from a structural integrity standpoint, it is not a reflection of the internal upkeep and modernization of the housing stock, nor the housing supplies ability to keep up with modern demands. The lack of rental opportunity in Blair has been a major deterrent for population growth. A well-supplied rental market can be an essential component of community growth. Rentals provide an option outside of home ownership investment or a transitional housing option as tenants seek to purchase a home locally. The lack of diversity and overall opportunity for the rental market is a large weakness in the community housing conversation. The lack of adequate supply has driven rents up higher than the quality and type of households reflect. Finally, the lack of available local developers has been a recent deterrent to housing investment in Blair. Much like potential residents, housing developers and financers also have a wide variety of investment options throughout the region. Blair is forced to compete with other communities in attracting the type of investment required for new subdivision development. The cited lack of developable land – due to cost and availability – is a deterrent for investors with several other communities in the region to compare with. 16 Blair Housing Needs Study • Blair, Nebraska Community Engagement Community Assets • Proximity to Omaha metro and amenities • Dana campus and downtown are opportunities Community Assets • Airport • Community involvement and commitment • Friendly community • Housing stability • Blair community schools • Cargill Campus • Availability of workforce • Transportation connectivity • Youth sports complex • Sense of safety and security • Public private partnerships • Chamber of commerce • Hospital • YMCA • Fire department • Parks and trail system Community Weaknesses • Topography • Truck traffic on main street • Lack of affordable housing • Train traffic (noise) • Lack of youth activities • Entry-level employees • Dana campus vacancy • Lack of public transit • Lack of family restaurants • Lack of lighting on trail system • Lack of parking downtown • Slow residential internet speeds Twenty-Year Vision • Vibrant Main Street (Old Market feeling) • Vibrant retail district (downtown and highway) • Completed bypass (entire community) • College utilization of Dana campus • Expanded industrial campus • Mixed-use districts • Public event spaces Potential Barriers to Vision • Land acquisition costs • Financing • Lack of local developers • Lack of housing diversity Desired Development • Retail (clothing, sporting goods, office supplies, additional grocery options, home improvement-lumber yard) • Local hotel • Family entertainment (bowling alley, movie theater) • Youth sports tournaments • Unique draw (brewery) • Senior housing Service Improvements • Water system – long term plan for growth • Infrastructure maintenance • Public event space (farmers/flea market) • Lighted trail system • More internet/broadband options • More street connectivity towards housing developments Magic Wand • College @ Dana campus • Complete bypass • Additional major employer 17Blair Housing Needs Study • Blair, Nebraska The MindMixer site, www.buildblair.mindmixer.com, served as an online public forum to supplement the traditional public participation process for the Comprehensive Plan and Housing Study. The platform operates as a convenient, and easy-to-use manner in which citizens can participate in community discussions at their convenience. The site served as a virtual town hall, whereby users could generate ideas, support others’ ideas, and ultimately prioritize the best ideas in the community. The results of the website proved to be a success with over 2,500 unique visitors to the site totaling over 5,400 page view. These visitors provided nearly 50 unique ideas to improve their community and 300 interactions regarding their ideas. Some of the top trending ideas are detailed here. Ideas are reinforced with the number of stars, or rated ideas from Build Blair participants as well as the number of follow-up comments ideas received. BuildBlair.mindmixer.com 18 Blair Housing Needs Study • Blair, Nebraska Projections By utilizing the existing age cohort data combined with regional birth, mortality, and migration rates; age cohort analysis allows for the projection of future population. The assumptions lie in sustained trends in these criteria for the next 20 years. Blair is a community that has seen extremely steady and at times rapid growth. While future population growth will certainly fluctuate based on trends outside of the community’s control, population projections provide an important baseline to direct policy implementation. Population projections are important to plan for future needs of community infrastructure, employment, and housing. Planned and phased investments in these areas are a prerequisite for population growth. The age cohort analysis projections indicate the population levels of Blair to continue to grow steadily, if not rapidly. The age cohort analysis provides an indication of where growth pressures lie. However, during the Comprehensive Plan update process, the community set a goal to reach a population of 10,000 by 2035, or just over a 1.0% annual growth rate. This will serve as the baseline for housing projections in the remainder of this section. Figure 14. Blair Population Projection - Age Cohort Analysis Population Projections Projections 19Blair Housing Needs Study • Blair, Nebraska The demand for number of units, both owner-occupied and renter-occupied, is calculated based off the current occupancy rate for each tenure. Census estimates that 70.4% of Blair residents lived in homes they owned. 29.6% of residents rented their home. This ratio was utilized to estimate the projected population of owners and renters based off the projected population described earlier in this chapter. These population numbers were further divided by the average household size of both owner occupied and renter occupied units. This number equates to the total number of owner and renter housing units required to house the estimated future population. Housing Projections Figure 15. Blair Housing Need Projections The aggregate market for housing is comprised of many submarkets, each defined by tenure and price ranges. To analyze conditions in each submarket, the demand for housing (measured by the number of households), is compared with the supply of housing (measured by the number of owner-occupied units). This model assumes that those renting would move into ownership for a unit of appropriate value. Blair also contains a relatively high number of dependent households, or households on a fixed income such as retirement savings and/or social security. This sub-market is very unlikely to seek new market- rate housing opportunities and have been factored out of this projection. Therefore the household income numbers are largely based on households reporting income derived from earnings. The data in Figure 16 was derived from 2014 Census Estimates. One challenge in utilizing Blair Census estimates is that in large part, Census figures still account for a large student population – as the 2010 Census was taken before the closing of Dana College. This, along with the dependency figures, also likely over- estimates populations at the lowest income levels. Projections 20 Blair Housing Needs Study • Blair, Nebraska Projections The households in a market can be categorized into groups according to the household’s income. Similarly, homes can be divided into corresponding categories to each income group based on recommended price points of affordability. Based on consensus from the mortgage lending community, a household can afford to live in a home valued at approximately 250% of its annual income. The number of households in each income category is compared to the number of homes in each corresponding value category. Where there are more homes than household, a surplus exists; where there are more households than homes, a deficit exists. Categories of relatively high deficits should be prioritized for immediate development. The data suggests that demand for homes at the highest price points exceeds the available supply. These deficit begin at an annual household income of $50,000 to $74,999. Utilizing a multiplier of 2.5 a households income, the home value that matches this demographic begins at $125,000 and up. Based on input from area housing professionals this equates to what is commonly referred to as a “starter home”. Starter home’s are an important market. Generally appealing to young professionals and families, starter homes directly relate to population growth in a community. With a strong school system and desirable amenities like parks and trails, Blair is an attractive community to this demographic. Providing housing opportunities as these price points will enhance Blair’s ability to attract families to the community. Housing professionals also commented on the difficulties of developing housing at these price points. At the market rate for developable land, combined with the cost of construction, starter homes are generally not economically feasible to develop in a traditional suburban format. For these reasons, developments at this price point should be prioritized for consideration of use of public assistance such as Tax Increment Financing when a financing gap is documented. Alternatively, non-traditional forms of development strategies will assist in developing at this price point. Attached family housing, and/or other density bonuses for developers could incentivize development. Housing income and housing supply data documents that the largest housing deficit lies at household income levels beginning at $100,000. This suggests that values beginning at $250,000 are in the highest demand in the Blair area. Input from housing stakeholders suggest that these price points are more economical to develop in Blair. So while development incentives for these “market rate” units may not always be necessary, they can be an important tool for development in prioritized or blighted areas of the community. The city and its partners should prioritize marketing the community to developers and home builders to encourage investment in the area. Housing Demand by Income 21Blair Housing Needs Study • Blair, Nebraska Implementation Implementation refers to the objectives, policies, and actions that have been identified to carry out the vision of this comprehensive plan update. It includes actions designed to improve the long-range planning process, strengthen links between the plan and capital improvement budgeting, establish a process reporting system to monitor the progress and schedule for updating and amending the plan in the future. The successful utilization of this study is contingent on the implementation of the goals and objectives identified in this section and the Blair Comprehensive Plan. It is up to the community stakeholders in Blair to champion the projects envisioned to the implementation of it. What happens with the plan, how it is used in day-to-day decision making, and the extent to which it is followed over time will all influence the success of the plan. This plan is a guidance document meant to address housing issues related to the community’s goals for growth set forth in its Comprehensive Plan. It is not the end of the planning process, but the beginning of a coordinated effort to direct growth and development in ways that are important to the citizens of Blair. Boasting an independent economy, high quality of life, good schools, and a short commute to the Omaha area; Blair is an attractive community for population growth. The location along key transit corridors is expected to be a major draw to a commuting population and the community could see rapid growth in the same way the Gretna community has experienced growth in the early 2000’s. The challenge for the Blair community will be to balance any anticipated growth with its ability to maintain the high quality of life and services to its residents. Any growth will also be dependent on the ability to provide adequate housing options Vision Implementation Plan Implementation 22 Blair Housing Needs Study • Blair, Nebraska Goal Maintain and support an annual population growth of over 1% and to achieve a population of 10,000 by the year 2035. Objective 1 Encourage housing development and investment by identifying and promoting opportunities in and around Blair to Realtors, developers and home builders. Action Steps 1.1 Maintain an up-to-date Housing Study that expands on the results of the Comprehensive Plan data to further define potential market needs and opportunities 1.2 In conjunction with the school district, prepare marketing materials that highlight the strengths and opportunities of the community and attractiveness to potential residents 1.3 Meet with various realty companies from the Omaha metro to market and educate about the opportunities and high quality of life in Blair 1.4 Hold a Housing Developers/Builders Summit and Familiarization Tour to discuss housing demand opportunities and local policies 1.5 Prepare an inventory database of available infill properties and the desired housing types and sizes for each Responsible Group/Agency City Administration, City Council, Gateway Development Corp., Chamber of Commerce, Metro Area Planning Association (MAPA) Potential Resources Nebraska Investment Finance Authority (NIFA), U.S. Dept. of Agriculture – Rural Development (USDA-RD), Nebraska Dept. of Economic Development (DED), LB840, General Funds Objective 2 Facilitate population growth with infill development Action Steps 2.1 Review existing zoning and building code and analyze based on the potential for redevelopment and reuse of individual properties 2.2 Conduct a downtown housing study that analyzes existing opportunities for upper-story housing and provides recommendations for implementation 2.3 Review and package financing incentives for housing affordability, i.e. down-payment assistance; prioritize older and blighted segments of the community for implementation Responsible Group/Agency Planning Commission, Building Department, City Council, Housing Authority, City Administration, MAPA Potential Resources DED, USDA-RD, NIFA, General Funds, LB840 Implmentation 23Blair Housing Needs Study • Blair, Nebraska Implmentation Objective 3 Improve neighborhoods and provide housing opportunities by expanding efforts to acquire and demolish dilapidated housing and promote vacated property for redevelopment Action Steps 3.1 During an annual stakeholder meeting set a yearly goal for demolitions. Goals should equate approximately 0.1% of the total housing stock. 3.2 Explore funding opportunities to identify external resources to assist in voluntary acquisition and redevelopment construction 3.3 Build condemnation guidelines into programming for third-party nuisance abatement review to identify prioritized properties Responsible Group/Agency Housing Authority, City Administration, City Council, Building Department, MAPA Potential Resources DED, USDA-RD, NIFA, Special Assessments, General Funds Objective 4 Facilitate population growth with a higher quality housing stock by renovating and repairing the existing housing stock Action Steps 4.1 Utilizing numerous methods, including self-reporting, nuisance complaints, surveys, and foreclosures, identify the number of units needing rehabilitation 4.2 Package available funding including; state and federal resources, lending funds, and property owners’ equity 4.3 Implement systematic improvements according to funding agencies’ guidelines 4.4 Establish a volunteer-labor pool to assist in voluntary home improvements for low-income, elderly, or handicapped homeowners 4.5 Develop and implement nuisance abatement and property maintenance programs that include a third-party review of properties and assesses property owners for cleanup and improvements 4.6 Continue to secure grants/financial assistance to develop both owner and renter housing rehabilitations/repair programs for low and moderate income households to upgrade their homes to minimum housing quality standards 4.7 Promote maximum energy efficient housing standards and provide/ promote incentives for implementation 4.8 Amend the zoning regulations to allow more housing flexibility/ options for housing immediately surrounding the Central Business District. This may include adding a transitional/flex zone buffering commercial and residential districts, allowing more by-right uses Responsible Group/Agency Building Department, MAPA, Housing Authority, Washington County, Habitat for Humanity Churches and Faith Community, City Administration, Planning Commission 24 Blair Housing Needs Study • Blair, Nebraska Potential Resources DED, USDA-RD, NIFA, Nebraska Energy Office, General Funds, LB840 Objective 5 Diversify the housing stock in Blair to provide housing options at multiple price points to serve families of all economic backgrounds. Action Steps 5.1 Review existing zoning and building code to ensure flexibility to develop diverse housing options, including; townhome, accessory- use dwelling, condominiums, ADA accessible, corporate housing, etc. 5.2 Market opportunities in Blair to developers specializing in special- needs, and affordable housing, i.e. Habitat for Humanity, elderly, disabled veterans, modular, etc. 5.3 Review and package financial incentives for housing rehabilitation, i.e. owner-occupied rehabilitation, rental rehabilitation; prioritize older and blighted housing stock for implementation 5.4 Consider utilizing tax increment financing (TIF) to incentivize and stimulate housing development, prioritizing affordability and special needs housing (senior, ADA accessible, etc.) Responsible Group/Agency Planning Commission, Building Department, Chamber of Commerce, Habitat for Humanity, City Council, City Administration Potential Resources DED, USDA-RD, NIFA, TIF Objective 6 Create a continual dialogue of housing challenges and opportunities in the community Action Steps 6.1 Facilitate an annual meeting of housing stakeholders, major employers and political leaders to discuss housing issues, including policies, incentives, and constraints 6.2 On a regular basis, visit with peripheral landowners and discuss the ability to obtain purchase options on their property that can be shared with potential developers 6.3 During the City Council’s annual retreat, invite housing developers to attend for a dialogue on the city’s subdivision and annexation requirements. Align regulations and policies in a manner that will facilitate new development while minimizing the city’s risk and investment in public improvements and services Responsible Group/Agency City Council, Building Department, Residents, Gateway Development Corporation Implementation 25Blair Housing Needs Study • Blair, Nebraska