Reducing the Barriers to

Affordable Housing
July 10, 2006

Derick Berlage, Chairman

Montgomery County Planning Commission
Maryland-National Capital Park & Planning Commission (M-NCPPC)
8787 Georgia Avenue
Silver Spring, MD 20910
Nearly one-fifth of Maryland's population
resides in Montgomery County
M o ntg o mery Co unty Prince Geo rg e's Co unty

Baltimo re Co unty Anne Arund el Co unty

Fred erick Co unty Ho ward Co unty

19%
Harfo rd Co unty Charles Co unty

Carro ll Co unty Was hing to n Co unty

16%
Cecil Co unty St. M ary's Co unty

Wico mico Co unty Calvert Co unty

Alleg any Co unty Queen Anne's Co unty

14%
Wo rces ter Co unty Caro line Co unty

9% Talb o t Co unty Do rches ter Co unty

Garrett Co unty So mers et Co unty

Projections as of September 2005 from Kent Co unty

Planning Data Services, Md. Dept. of Planning.
 Montgomery County’s Population Size
Ranks in Top 2% of All Counties in 2004
Rank County Population % Growth ‘00-‘04
1 Los Angeles County, CA 9,937,739 4.1%
>2 Cook County, IL 5,327,777 -0.9%
3 Harris County, TX 3,644,285 6.7%
36 Contra Costa County, CA 1,009,144 5.8%
> 37 Fairfax County, VA 1,003,157 2.9%
38 Orange County, FL 989,926 9.7%
44 Milwaukee County, WI 928,537 -1.2%
> 45 Montgomery County, MD 921,690 5.0%
46 Shelby County, TN 908,175 1.1%
55 New Haven County, CT 845,694 2.5%
> 56 Prince George’s Cnty, MD 842,967 4.9%
57 Macomb County, MI 822,660 4.0%
64 Baltimore County, MD 780,821 3.3%

Source: U.S. Census Bureau, July 2004 County Population Estimates

Research & Technology Center
Montgomery County Dept. of Park & Planning, M-NCPPC
Montgomery County is
increasingly diverse.
 Very Well Educated
Percent of Adults Age 25 and Older
50%
41%
40% 36% 34%
29%
1990
29%
30% 27% 27% 28%
2000
23%
20% 2003

9% 10% 9%
10%
0%
Less than High High School Bachelor's Master's, Ph.D
School Diploma/Some Degree or Professional
College/Assoc.
Deg.
 38% of Households Have
Incomes Over $100,000
Percent of Households Median HH Income:
25%
County: $79,115
21%
20% 20%
16% 15%
15%

10% 8% 8% 9%
4%
5%

0%
Less $15k to $30k to $50k to $70k to $100k $150k $200k+
than $29k $49k $69k $99k to to
$15k $149k $199k
2002 Household Income
Percent of Households Where Monthly
Housing Costs Exceed 30% HH Income
2002 Median Housing Cost
Own: $1,436
Percent of Households Rent: $1,060
40.0% 37.5%
35.0%
29.4%
30.0% 27.4%
25.0%
20.0%
13.4%
15.0% 11.3%
8.8%
10.0%
5.0%
0.0%
Owner Occupied Renter Occupied

1987 1997 2003

 Marked increases continued for
single-family home prices
New
Median Prices
$900,000 Detached
$800,000
$775,218

$700,000
Existing
Detached
$600,000 $530,000
$500,000 New
Attached
$400,000
$499,375
$300,000 Existing
$200,000
Attached
$340,000
$100,000

$0
1987

1988

1989

1990

1991

1992

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005
Source: STAR
 In 2005, resale townhomes were the sole single-
family option for households earning $89,300*
Affordability index
1.8
1.6
Existing Townhouse
1.4
1.2
New Townhouse
1
0.8 Existing Single Family
0.6
New Single Family
0.4
0.2
*$89,300 in the area’s median income for a 4-person household
0

SA
20 MC
97

98

99

00

01

02

03

04
90

91

92

93

94

95

96

19

19

20

20

20

20

20
19

19

19

19

19

19

19

19

M
05

05
20
The higher the score, the more affordable the housing is. A
Source: STAR score of “1.0” means the monthly cost of buying a home
equals 30% of gross median income.
 Condominiums are still considered affordable
to households earning the median wage.
Affordability index
2.5

2
EXISTING Condominiums
1.5
ALL Condominiums

1
NEW Condominiums
0.5

1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2005
MSA
Assumes a moderate $250 per month Condominium Association Fee (CAF). The higher AMI
the score, the more affordable the housing. A score of “1.0” means the monthly cost of
buying a home equals 30% of gross median income.
Source: M-NCPPC Research &
Technology Center
We have had significant past successes.
Transfer of Development Rights
We adopted the Nation’s first Transfer of
Development Rights (TDR) Program
TDRs cost
about $40K
each now but
they enable
greater
densities in
receiving
areas – and
that helps
build
affordable
housing!

Research & Technology Center

M-NCPPC, Montgomery Co.
 Inclusionary Zoning

Moderately-Priced Dwelling Units

(MPDUs)
Claggett Farm

Typical MPDUs
Clarksburg Town Center
Amberlea at Hurley Ridge
 Time is money.
Green Taping for Affordable Housing
We Encourage Innovative
Housing Types
 Eastern Village Eco-housing –
A Cohousing and Urban Redevelopment Project In
Downtown Silver Spring, MD

- LEED Certified
- Award winning Green Roof Design

http://Leedcasestudies.usgbc.org
 Future Initiatives
• Workforce Housing
• Mixed-use Government Projects
– Garage 49
– Silver Place
• Employer-Assisted Housing (EAH)
Programs
• Public Education
Typical Workforce Housing Scenario
87 Market Rate Units
13 MPDUs
+ 8 Workforce Units
108 Total Units

MPDUs
Workforce Houses
Park Houses
 Mixed-use Government Projects
The Metropolitan Apartments and Garage 49, Bethesda
Lot 31, Bethesda
 Mixed-use Government Projects
SilverPlace – MNCPPC’s New Headquarters Building
Employer-Assisted Housing (EAH)
Programs
Public Education
 Maine Housing Authority

Northern Colorado
Public-Private Partnership,
incl. Board of Realtors
 Derick Berlage, Chairman
Montgomery County Planning Board
Email: [email protected]
Phone: 301-495-4605

Find a copy of the presentation at

www.mcparkandplanning.org/housing
(Look under “NEW”)