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<td class="py-2 pr-3 text-sm font-semibold text-right whitespace-nowrap w-0">$109,000</td>
<td class="py-2 pl-3 text-sm whitespace-nowrap">
<span class="text-gray-900">Area median income </span>
<span class="text-gray-500">(HUD, 2025)</span>
</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-semibold text-right whitespace-nowrap w-0">14,665</td>
<td class="py-2 pl-3 text-sm whitespace-nowrap">
<span class="text-gray-900">Households </span>
<span class="text-gray-500">(estimate 2025)</span>
</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-semibold text-right whitespace-nowrap w-0">2.51</td>
<td class="py-2 pl-3 text-sm whitespace-nowrap">
<span class="text-gray-900">Average people per household </span>
<span class="text-gray-500">(2023)</span>
</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-semibold text-right whitespace-nowrap w-0">77%</td>
<td class="py-2 pl-3 text-sm whitespace-nowrap">
<span class="text-gray-900">Owner-occupied </span>
<span class="text-gray-500">(2023)</span>
</td>
</tr>
</tbody>
</table>
</div>
<!-- end of table -->
</div>
</div>
</div>
</div>
<!-- Main Content -->
<main class="mx-auto max-w-7xl py-6 sm:px-6 lg:px-8 space-y-6">
<!-- 01 Affordability Chart Card -->
<div class="sm:mx-auto sm:max-w-3xl divide-y divide-gray-200 overflow-hidden sm:rounded-lg bg-white shadow-sm">
<div class="px-4 py-5 sm:px-6">
<h3 class="text-lg font-medium leading-6 text-gray-900">How much income does a household need to buy the median-priced home?</h3>
</div>
<div class="px-4 py-5 sm:p-6">
<div class="flex flex-col md:flex-row gap-6">
<div class="md:w-2/6">
<p class="text-gray-700 pb-2">This chart compares [place]’s specific median income estimate with the income needed to afford the median home price in [place]. A wider gap means a higher barrier to entry for homebuyers.</p>
</div>
<div class="md:w-4/6">
<iframe title="Median affordability [mockup]" aria-label="Interactive line chart" id="datawrapper-chart-cCWcR" src="https://datawrapper.dwcdn.net/cCWcR/1/" scrolling="no" frameborder="0" style="width: 0; min-width: 100% !important; border: none;" height="296" data-external="1"></iframe>
<script type="text/javascript">!function () { "use strict"; window.addEventListener("message", (function (a) { if (void 0 !== a.data["datawrapper-height"]) { var e = document.querySelectorAll("iframe"); for (var t in a.data["datawrapper-height"]) for (var r, i = 0; r = e[i]; i++)if (r.contentWindow === a.source) { var d = a.data["datawrapper-height"][t] + "px"; r.style.height = d } } })) }();
</script>
</div>
</div>
</div>
<div class="px-4 py-4 sm:px-6">
<button id="sourcesToggleAfford" class="flex items-center justify-between w-full text-left text-sm font-medium text-gray-900 hover:text-gray-700 focus:outline-none">
<div class="flex items-center">
<span class="material-icons-outlined mr-2 text-gray-400">
ssid_chart
</span>
Contributing factors to affordability
</div>
<svg id="chevronIconAfford" class="h-5 w-5 text-gray-400 transform transition-transform duration-200" fill="none" viewBox="0 0 24 24" stroke-width="1.5" stroke="currentColor">
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</svg>
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<!-- Table start -->
<div class="flow-root">
<div class="overflow-x-auto">
<div class="inline-block min-w-full align-middle">
<table class="min-w-full divide-y divide-gray-300">
<tbody class="divide-y divide-gray-200 bg-white">
<tr>
<td class="py-2 pr-3 text-sm font-bold text-right whitespace-nowrap text-gray-900">$597,535</td>
<td class="px-2 py-2 text-sm text-left whitespace-nowrap text-gray-500">Median home price (June 2025)</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-bold text-right whitespace-nowrap text-gray-900">6.65%</td>
<td class="px-2 py-2 text-sm text-left whitespace-nowrap text-gray-500">Mortgage rate (FRED, June 2025)</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-bold text-right whitespace-nowrap text-gray-900">2.68%</td>
<td class="px-2 py-2 text-sm text-left whitespace-nowrap text-gray-500">Property tax rate (estimate, 2025)</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-bold text-right whitespace-nowrap text-gray-900">0.04%</td>
<td class="px-2 py-2 text-sm text-left whitespace-nowrap text-gray-500">Homeowners insurance as percentage of home value (treasury.gov estimate, 2025)</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-bold text-right whitespace-nowrap text-gray-900">30%</td>
<td class="px-2 py-2 text-sm text-left whitespace-nowrap text-gray-500">Percent of household income spent on housing costs</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-bold text-right whitespace-nowrap text-gray-900">20%</td>
<td class="px-2 py-2 text-sm text-left whitespace-nowrap text-gray-500">Downpayment assumption</td>
</tr>
</tbody>
</table>
</div>
</div>
</div> <!-- end of table -->
</div>
</div>
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<!-- 02 Population Age Chart Card -->
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<div class="px-4 py-5 sm:px-6">
<h3 class="text-lg font-medium leading-6 text-gray-900">How is the population growing by age group?</h3>
</div>
<div class="px-4 py-5 sm:p-6">
<div class="flex flex-col md:flex-row gap-6">
<div class="md:w-2/6">
<p class="text-gray-700 pb-2">This chart illustrates trends in population by age cohort, both historic and projected. The projection is based on recent trends extended. Depending on economic, policy, and other conditions, the future age distribution may vary over time.
</p>
</div>
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<iframe title="Population by age cohort" aria-label="Interactive area chart" id="datawrapper-chart-5oHvN" src="https://datawrapper.dwcdn.net/5oHvN/1/" scrolling="no" frameborder="0" style="width: 0; min-width: 100% !important; border: none;" height="445" data-external="1"></iframe>
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About demographic projections
</div>
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This population projection method divides people into age groups and tracks how each group changes over time. It analyzes past patterns to predict future population changes using annual change ratios and birth rates.
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<!-- 03 Layer Cake Chart Card -->
<div class="sm:mx-auto sm:max-w-3xl divide-y divide-gray-200 overflow-hidden sm:rounded-lg bg-white shadow-sm">
<div class="px-4 py-5 sm:px-6">
<h3 class="text-lg font-medium leading-6 text-gray-900">What is the household growth trajectory by income group?</h3>
</div>
<div class="px-4 py-5 sm:p-6">
<div class="flex flex-col md:flex-row gap-6">
<div class="md:w-2/6">
<p class="text-gray-700 pb-2">Housing needs are influenced by a change in the number of households, and by those households’ incomes. These income groups are represented by the percentage of HUD’s published area median income. The growth trend is based on the slope of the previous 15 years.</p>
</div>
<div class="md:w-4/6">
<iframe title="Household growth by AMI Champaign" aria-label="Interactive area chart" id="datawrapper-chart-ouDHf" src="https://datawrapper.dwcdn.net/ouDHf/1/" scrolling="no" frameborder="0" style="width: 0; min-width: 100% !important; border: none;" height="445" data-external="1"></iframe>
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Income group details
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<div class="overflow-x-auto">
<div class="inline-block min-w-full align-middle">
<table class="min-w-full divide-y divide-gray-300">
<thead>
<tr>
<th scope="col" class="py-3.5 pr-3 text-left text-sm font-semibold text-gray-900 align-bottom">AMI group</th>
<th scope="col" class="px-2 py-3.5 text-right text-sm font-semibold text-gray-900 align-bottom">Household income</th>
<th scope="col" class="px-2 py-3.5 text-right text-sm font-semibold text-gray-900 align-bottom">Households</th>
<th scope="col" class="px-2 py-3.5 text-right text-sm font-semibold text-gray-900 align-bottom max-w-[120px]">Max monthly housing costs</th>
<th scope="col" class="px-2 py-3.5 text-right text-sm font-semibold text-gray-900 align-bottom max-w-[100px]">Max purchase price</th>
<th scope="col" class="px-2 py-3.5 text-right text-sm font-semibold text-gray-900 align-bottom max-w-[80px]">Bedrooms demand avg.</th>
<th scope="col" class="px-2 py-3.5 text-right text-sm font-semibold text-gray-900 align-bottom max-w-[80px]">Income earners avg.</th>
<th scope="col" class="px-2 py-3.5 text-right text-sm font-semibold text-gray-900 align-bottom max-w-[90px]">Householder age avg.</th>
</tr>
</thead>
<tbody class="divide-y divide-gray-200 bg-white">
<tr>
<td class="py-2 pr-3 text-sm font-medium whitespace-nowrap text-gray-900"><50%</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500"><$50K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">1,924</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500"><$1,250</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">$136K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">2.0</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">0.4</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">60</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-medium whitespace-nowrap text-gray-900">50-80%</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">$50K - $80K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">1,772</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500"><$2,000</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500"><$217K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">2.4</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">0.9</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">56</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-medium whitespace-nowrap text-gray-900">80-120%</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">$80K - $120K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">1,867</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500"><$3,000</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500"><$333K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">2.7</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">1.4</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">54</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-medium whitespace-nowrap text-gray-900">120-150%</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">$120K - $150K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">1,302</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500"><$3,750</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500"><$417K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">2.9</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">1.7</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">53</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-medium whitespace-nowrap text-gray-900">150-190%</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">$150K - $200K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">1,698</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500"><$5,000</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500"><$560K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">3.1</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">1.8</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">54</td>
</tr>
<tr>
<td class="py-2 pr-3 text-sm font-medium whitespace-nowrap text-gray-900">>190%</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">>$200K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">5,826</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">>$5,000</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">>$560K</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">3.2</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">1.8</td>
<td class="px-2 py-2 text-sm text-right whitespace-nowrap text-gray-500">52</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div> <!-- end of table -->
</div>
</div>
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<!-- 04 Household Characteristics Charts Card -->
<div class="sm:mx-auto sm:max-w-3xl divide-y divide-gray-200 overflow-hidden sm:rounded-lg bg-white shadow-sm">
<div class="px-4 py-5 sm:px-6">
<h3 class="text-lg font-medium leading-6 text-gray-900">Who lives here today?</h3>
</div>
<div class="px-4 py-5 sm:p-6">
<div class="flex flex-col md:flex-row gap-6">
<div class="md:w-2/6">
<p class="text-gray-700 pb-2">Households may have different structure type preferences depending on characteristics such as household size, income, employment, presence of children, age of individuals, and lifestyle choices. Understanding the housing stock in corresponding terms helps assess how well existing units align with existing households' ideals.</p>
</div>
<div class="md:w-4/6">
<iframe title="[Place]'s households characteristics by income" aria-label="Stacked Bars" id="datawrapper-chart-JBQcT" src="https://datawrapper.dwcdn.net/JBQcT/1/" scrolling="no" frameborder="0" style="width: 0; min-width: 100% !important; border: none;" height="635" data-external="1"></iframe>
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<!-- Changing household types dropdown -->
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<span class="sm:hidden">Types</span>
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<p class="text-gray-700 pb-2">Cost burden measures the percentage of household income spent on housing costs. Households spending more than 30% of their income on housing are considered cost-burdened, while those spending more than 50% are severely cost-burdened. This analysis helps identify which income groups face the greatest housing affordability challenges.</p>
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<p class="text-sm text-gray-600">
This analysis cross-tabulates household demographic characteristics with income levels using Public Use Microdata Sample (PUMS) data from the American Community Survey. Income groups are defined based on Area Median Income (AMI) thresholds obtained from HUD, creating six bins of AMI. These AMI-based thresholds are converted to dollar amounts for each year and adjusted for inflation to ensure temporal consistency. For each characteristic, the analysis counts weighted households falling within each income bin, using PUMS household weights where relevant.
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</div>
</div>
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<!-- 05 Housing Stock Chart Card -->
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<div class="px-4 py-5 sm:px-6">
<h3 class="text-lg font-medium leading-6 text-gray-900">What housing is on the ground today?</h3>
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<div class="flex flex-col md:flex-row gap-6">
<div class="md:w-2/6">
<p class="text-gray-700 pb-2">Inventory of the current local housing stock by tenure, including structure type and bedroom count.</p>
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<div class="md:w-4/6">
<iframe title="Housing stock characteristics by tenure" aria-label="Stacked Bars" id="datawrapper-chart-FNlHV" src="https://datawrapper.dwcdn.net/FNlHV/1/" scrolling="no" frameborder="0" style="width: 0; min-width: 100% !important; border: none;" height="511" data-external="1"></iframe>
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Housing stock sources
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<p class="text-sm text-gray-600">
This analysis characterizes the local housing inventory across multiple dimensions using American Community Survey (ACS) data supplemented by Public Use Microdata Sample (PUMS) analysis. Housing tenure is derived from ACS table B25003, which categorizes all housing units as owner-occupied, renter-occupied, or vacant. Structure type classification uses ACS table B25024 to group housing units into five categories: single-family detached, single-family attached and 2-4 unit buildings, 5-49 unit buildings, 50+ unit buildings, and other structures (including mobile homes). Bedroom distribution is extracted from ACS table B25041, categorizing units as studio/1-bedroom, 2-bedroom, 3-bedroom, or 4+ bedroom homes. Cross-tabulations between tenure and both structure type (B25032) and bedroom count (B25042) reveal how different housing configurations serve owner versus renter households.
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<!-- 06 Demand Chart Card -->
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<div class="px-4 py-5 sm:px-6">
<h3 class="text-lg font-medium leading-6 text-gray-900">How much new housing supply is needed?</h3>
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<div class="px-4 py-5 sm:p-6">
<div class="flex flex-col gap-6">
<div class="w-full">
<p class="text-gray-700">
This 10-year housing production target accounts for projected household growth plus adjustments intended to relieve underlying market pressures, such as pent up demand and current shortages.
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<div class="w-full">
<!-- Housing Production Analysis table start -->
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<table class="min-w-full">
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<td class="py-2 pr-3 text-sm font-bold text-gray-900 text-right align-top whitespace-nowrap w-0">1,437</td>
<td class="px-2 py-2 w-full">
<div class="text-sm font-bold text-gray-900">Total 10-year housing production target (2025-2035)</div>
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<td colspan="2" class="pt-2 pb-2">
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<td class="py-2 pr-3 text-sm font-semibold text-gray-900 text-right align-top whitespace-nowrap w-0">1,133</td>
<td class="px-2 py-2 w-full">
<div class="text-sm font-semibold text-gray-900">Net growth in households</div>
<div class="text-sm text-gray-600">Projected total household growth from 2025 to 2035 is <span class="font-medium">9.8%</span>.</div>
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<td colspan="2" class="py-0">
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<td class="py-2 pr-3 text-sm font-semibold text-gray-900 text-right align-top whitespace-nowrap w-0">62</td>
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<div class="text-sm font-semibold text-gray-900">Replacement housing</div>
<div class="text-sm text-gray-600">Annual replacement rate for overall housing stock is <span class="font-medium">0.1%</span></div>
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<td class="py-2 pr-3 text-sm font-semibold text-gray-900 text-right align-top whitespace-nowrap w-0">166</td>
<td class="px-2 py-2 w-full">
<div class="text-sm font-semibold text-gray-900">Ownership vacancy adjustment</div>
<div class="text-sm text-gray-600">Owner-occupied vacancy is <span class="text-red-600 font-medium">0.4%</span>, below the minimum stable target of 1.5%</div>
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<td colspan="2" class="py-0">
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<td class="py-2 pr-3 text-sm font-semibold text-gray-900 text-right align-top whitespace-nowrap w-0">76</td>
<td class="px-2 py-2 w-full">
<div class="text-sm font-semibold text-gray-900">Rental vacancy adjustment</div>
<div class="text-sm text-gray-600">Rental vacancy is <span class="text-red-600 font-medium">6.9%</span>, below the minimum stable target of 7.4%</div>
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<td class="py-2 pr-3 text-sm font-semibold text-gray-900 text-right align-top whitespace-nowrap w-0">0</td>
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<div class="text-sm font-semibold text-gray-900">Overcrowding adjustment</div>
<div class="text-sm text-gray-600">Overcrowding rate is <span class="text-green-600 font-medium">0.4%</span>, below the National avg. of 3.4%</div>
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<td class="py-2 pr-3 text-sm font-semibold text-gray-900 text-right align-top whitespace-nowrap w-0">0</td>
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<div class="text-sm font-semibold text-gray-900">Substandard housing adjustment</div>
<div class="text-sm text-gray-600">Substandard housing rate is <span class="text-green-600 font-medium">0.2%</span>, below the National avg. of 0.4%</div>
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</table>
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<!-- Housing Production Analysis table end -->
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</div>
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Housing demand methodology
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<p class="text-sm text-gray-600 mb-3">
<strong>10-Year Housing Production Target Methodology</strong>
</p>
<p class="text-sm text-gray-600 mb-2">
The housing production target represents the total number of new housing units needed over a 10-year period to accommodate projected growth while addressing existing market imbalances. This comprehensive approach accounts for six distinct components of housing need.
</p>
<p class="text-sm text-gray-600 mb-2">
<strong>Net Household Growth</strong> forms the baseline demand, calculated by projecting net positive household growth as described earlier. The household formation rate captures demographic shifts and changing living arrangements over the forecast period.
</p>
<p class="text-sm text-gray-600 mb-2">
<strong>Replacement Housing</strong> accounts for units lost to demolition, disaster, or conversion to non-residential use. The annual replacement rate is calculated from historical patterns in the American Community Survey's year-built data (B25034), identifying the typical rate at which older housing stock exits the market.
</p>
<p class="text-sm text-gray-600 mb-2">
<strong>Vacancy Adjustments</strong> ensure healthy market functioning by comparing current vacancy rates to minimum stability targets. For owner-occupied units, a 1.5% vacancy rate enables normal market turnover for home sales. For rentals, a 7.4% vacancy rate (derived from historical market equilibrium analysis) allows reasonable choice and mobility. When current rates fall below these thresholds, additional units are needed to restore market fluidity. The adjustment equals the existing housing stock multiplied by the gap between target and actual vacancy rates. Source: Belsky, E. S., Drew, R. B., & McCue, D. (2007). Projecting the Underlying Demand for New Housing Units: Inferences from the Past, Assumptions about the Future (W07-7). Joint Center for Housing Studies, Harvard University.
</p>
<p class="text-sm text-gray-600 mb-2">
<strong>Overcrowding and Substandard Housing Adjustments</strong> address existing deficiencies in housing quality. Overcrowding (more than one person per room) and substandard conditions (lacking complete plumbing or kitchen facilities) are compared to national averages from ACS data. If local rates exceed national benchmarks, additional units are prescribed to provide adequate housing options. These adjustments equal zero when local conditions are less than the national norms.
</p>
<p class="text-sm text-gray-600">
The total production target sums all component to address market health and housing adequacy.
</p>
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<!-- 07 Map Card -->
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<h3 class="text-lg font-medium leading-6 text-gray-900">Map</h3>
</div>
<iframe src="https://communityscale.github.io/UpperArlington/mapstable.html" title="Housing Map" loading="lazy" height="400" class="w-full border-0">
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<!-- 09 Comparison Charts Card -->
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<h3 class="text-lg font-medium leading-6 text-gray-900">How does [place] compare to similar communities?</h3>
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<p class="text-gray-700">Households may have different structure type preferences depending on characteristics such as household size, income, employment, presence of children, age of individuals, and lifestyle choices. Understanding the housing stock in corresponding terms helps assess how well existing units align with existing households' ideals.</p>
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<!-- Chart 1 -->
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<iframe title="Average household size" aria-label="Interactive line chart" id="datawrapper-chart-PIrmY" src="https://datawrapper.dwcdn.net/PIrmY/2/" scrolling="no" frameborder="0" style="width: 0; min-width: 100% !important; border: none;" height="296" data-external="1"></iframe>
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<!-- Chart 2 -->
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<iframe title="Inflation-adjusted median household income" aria-label="Interactive line chart" id="datawrapper-chart-1Bz7b" src="https://datawrapper.dwcdn.net/1Bz7b/1/" scrolling="no" frameborder="0" style="width: 0; min-width: 100% !important; border: none;" height="296" data-external="1"></iframe>
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More comparison data
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