Maryland Affordable Housing

Families and individuals experiencing homelessness in Maryland
One of the highest affordable housing priorities in the state of Maryland is the need for housing that is affordable, accessible, and that meets the supportive service needs of persons with special needs Funding to nonprofit organizations to purchase properties for use as group homes is one way to assist in meeting this need, but Maryland has aggressively pursued additional strategies to address this priority need. Any plan to make homelessness rare and brief in Maryland must look beyond the families and individuals experiencing homelessness at any given time. The population of homeless people is not static; every day many households are at risk of becoming homeless while many others regularly cycle in and out of homelessness, reflecting the fundamental instability of their housing situations. For it is the very poor who tend to be in the most unstable housing situations, and it is also the very poor who also struggle the most with earning enough income to make ends meet and to provide for basic daily needs such as food, health care, transportation, and other critical living expenses. These households are more likely to include people with disabilities (including mental illness and addiction), the elderly on fixed incomes, persons leaving institutions (e.g., prisons, foster care, inpatient care at a hospital or psychiatric facility) without employment or income, and working households who simply cannot make enough money to cover the rising costs of housing, transportation, and utilities.

Maryland

The true cost of homelessness
Several factors, either alone or in combination, can cause homelessness. Poor health, lack of income, or affordable housing are all primary reasons why people become homeless. In addition, a lack of supportive services and lack of adequate discharge planning also contribute to homelessness. Once a family or individual becomes homeless, it is harder to regain housing. While it is less traumatic for the household and less expensive to prevent homelessness than to ameliorate it, the current system is structured to manage homelessness after it occurs. It is not designed to prevent or end homelessness.

When known and estimated costs are added, Maryland spends many tens of millions of dollars annually to manage homelessness, but in spite of these expenditures, tens of thousands of people experience homelessness each year. The numbers of those experiencing homelessness appear to be rising, especially amongst youth and families. Most importantly, these costs do not take into consideration the considerable opportunity cost to both the individual and to society when homelessness and its related challenges rob people of their vitality, their ability to work and contribute to society, and to provide a stable, environment for themselves and their family. Truly, the state can no longer afford the current problem of homelessness, which manages the situation but does little to end it. A better use of current resources could be organized to provide better opportunities and outcomes for those residents who are homeless or at risk of homelessness. Read more

Maryland Housing Authorities

Community property and housing programs for low and moderate income residents
State Housing Finance Agencies (HFAs) are state–chartered authorities established to help meet the affordable housing needs of the residents. Although they vary widely in characteristics such as their relationship to state government, most HFAs are independent entities that operate under the direction of a board of directors appointed by each state’s governor.

Housing programs provide quality, affordable housing opportunities and promote independence for lower income families, elderly and persons with disabilities. Community downpayment assistance funds are provided to low and moderate income residents to provide annual grants on a formula basis to entitlement cities and counties to assist in developing communities.

Community Development

Building Communities

Building Communities
“Rehabilitation of residential and non-residential structures, construction of public facilities and...”

Community Support

Community Support
“Partnering with local organizations and individuals to advocate for positive housing change...”

Maryland Department of Housing & Community Development

Innovator in community revitalization and a national leader in housing finance
The Maryland Department of Housing and Community Development (DHCD) is at the forefront in implementing housing policy that promotes and preserves homeownership and creating innovative community development initiatives to meet the challenges of a growing Maryland.

DHCD’s rental housing programs increase and preserve the supply of affordable housing and provide good choices for working families, senior citizens, and individuals with special needs. Also, community development and revitalization programs like Neighborhood BusinessWorks, Community Legacy, and Main Street Maryland support Smart Growth and help cities and towns remain rich, vibrant communities.

Housing Solutions

Housing Programs

Housing Programs
“Community development and revitalization programs help cities & towns remain rich, vibrant communities...”

Creating Homeownership

Creating Homeownership
“Promoting, financing, and supporting a broad range of housing solutions in local Maryland communities...”

Maryland Affordable Housing Coalition

Advocacy organization for affordable rental housing in Maryland
Maryland Affordable Housing Coalition (MAHC) is a volunteer advocacy organization for affordable rental housing in Maryland. MAHC was formed in Spring 2000 and advocates for resources for affordable rental housing development through sustained or increased funding for established Rental Housing Programs.

MAHC strives to develop and promote "best practices" in conjunction with the Maryland DHCD staff through frequent interactions and trainings. It also provides events and programs that allow the affordable rental housing community to network, share information and best practices, and advance our advocacy mission for affordable rental housing. The Coalition is funded by the generous support of its member and sponsor organizations, including non-profit and for-profit developers.

Housing Mission

To Advocate

To Advocate
“A voice for affordable rental housing in Maryland by ensuring adequate public and private resources...”

To Develope

To Develope
“Developing and nurturing partnerships with all government agencies and groups in Maryland...”

National Housing Trust

Preserving and improving affordable housing to strengthen communities
The National Housing Trust preserves and revitalizes affordable apartments to better the quality of life for the families and elderly who live there. Saving affordable housing is the essential first step in solving our nation’s housing dilemma. The National Housing Trust is the only national nonprofit engaged in housing preservation through public policy advocacy, real estate development, and lending.

The National Housing Trust advances federal, state, and local policies that create equitable and sustainable communities by safeguarding our nation's affordable homes. Partnering with investors to raise the capital necessary to buy and renovate affordable apartments that are deteriorating or at risk of being converted to market rate the National Housing Trust

Safeguarding Housing

Improved Housing

Improved Housing
“Dedicated to sustainable development that reduces energy use and creates a healthier environment...”

Preserving Housing

Preserving Housing
“Helping federal, state, and local policy leaders incorporate green incentives into housing programs...”

Low-Income Home Energy Assistance Program

Expanding and enhancing information on low-income energy issues
The Low-Income Home Energy Assistance Program (LIHEAP) is a federally-funded program that helps low-income households pay their home heating and cooling bills. It operates in every state and the District of Columbia, as well as on most tribal reservations and U.S. territories. The LIHEAP Clearinghouse is an information resource for state, tribal and local LIHEAP providers, and others interested in low-income energy issues.

Since 1988, the National Center for Appropriate Technology (NCAT) has operated LIHEAP through a training and technical assistance contract from the U.S. Department of Health and Human Services, Administration for Children and Families, Office of Community Services and Division of Energy Assistance.

Improving Lives

Targeted Benefits

Targeted Benefits
“Benefiting low-income households with the highest energy burdens or the most need...”

Maximizing Help

Maximizing Help
“Fostering energy self-sufficiency and reducing program dependency among recipients...”

Maryland USDA Rural Development

Financial and technical assistance to rural individuals, families, communities, and businesses
The USDA Rural Development mission goal is to provide or partner with others in providing the financial and technical resources to assist private citizens, small businesses, nonprofit organizations, communities, cities and counties in assuring that each rural community has what it takes to improve the quality of life and be successful.

The overall mission of USDA Rural Development is to improve the quality of life for rural Americans. Working closely with profit and non-profit sectors, along with state, tribal, and local governments, USDA Rural Development changes the way in which the Federal government does business. Ensuring rural citizens can participate fully in the global economy and by providing assistance programs to rural Americans for a stronger economy to be built and improving the quality of life for all.

Rural Development

Helping Rural Communities

Helping Rural Communities
“Grants are available to qualified organizations to develop programs to assist low-income rural areas...”

USDA Assistance

USDA Assistance
“Program assistance is provided in many ways, including guaranteed loans, grants and education...”

Habitat for Humanity of Maryland

Working with Maryland families, sponsors and communities to build affordable, green, quality homes
Founded in 1976 by Millard and Linda Fuller, Habitat for Humanity International is a nonprofit, ecumenical Christian housing ministry dedicated to eliminating substandard housing and homelessness worldwide and to making adequate, affordable shelter a matter of conscience and action. Habitat has built and renovated over 200,000 houses worldwide since 1976.

Habitat for Humanity’s work is accomplished at the community level by affiliates — independent, locally run, nonprofit organizations. Each Habitat affiliate coordinates all aspects of home building in its local area — fund raising, building site selection, partner family selection and support, house construction, and mortgage servicing.

Dedicated Ministry

Strong Housing Values

Strong Housing Values
“Through home sponsors, donations, and volunteer time, building affordable homes in Maryland...”

Changing Peoples Lives

Changing Peoples Lives
“Helping build relationships with families and the community that result in a sense of belonging...”

Maryland Recovery and Reinvestment

Expanding online government operational procedures at the state level
In February of 2009, President Obama and the U.S. Congress signed the American Recovery and Reinvestment Act to jumpstart the economy, save and create jobs, provide a helping hand to people affected by the recession, stabilize state and local budgets, and make investments that will provide long-term economic benefits.

Maryland taxpayers deserve the ability to see for themselves exactly how their money is being spent and take part in monitoring the distribution and spending of federal stimulus dollars. Preference will be given to opportunities that create jobs now and leave permanent assets. All Marylanders can agree that transparency and accountability must serve as the cornerstone concepts in ensuring that Maryland share of Recovery Act funds are used in the most effective manner possible.

Stimulus Accountability

Accountability

Accountability
“Providing transparency of ARRA funds by listing the appropriation of earmarked funds in detail...”

Maryland Recovery

Maryland Recovery
“Marylands’ goal is to maximize stimulus dollars in order to strengthen the economy and create jobs...”

Maryland Manufactured Housing Association

Manufactured home news, legislative representation, education and networking
The Maryland Manufactured Housing Association, Inc. (MMHA) is a statewide not-for-profit organization established in 1996 and representing manufactured housing community owners, manufacturers, insurers, realtors, financiers and suppliers throughout Maryland.

MMHA works to promote fair laws and regulations, increase and improve financing options, promote a positive image of manufactured housing, provide technical analysis and counsel, and remove zoning barriers to the use of manufactured housing. Through these various programs and activities, MMHA promotes the use of manufactured housing so that more Marylanders will be able to realize their dream of homeownership.

Permanent Housing

Better Value

Better Value
“Manufactured homes are built inside a controlled factory environment for quality assurance...”

Lower Cost

Lower Cost
“As housing costs climb, home ownership is simply beyond the financial reach of a growing number...”

Maryland Housing Property Search

Find your new Maryland rental home today
MDHousingSearch.org is a housing locator service which allows people to find available housing. Sponsored by the Department of Housing and Community Development, MDHousingSearch.org provides information about rental properties and helps people find housing to best fit their needs. The service can be accessed at no cost online 24 hours a day.

The fast, easy-to-use FREE search lets people look for rental housing using a wide variety of criteria and special mapping features. Housing listings display detailed information about each unit. Property owners and managers, including Housing Authorities and private landlords, can use this service to manage their property listings FREE of charge. Listings can include pictures, maps, and information about nearby amenities.

Find or Rent a Home

Housing Listings

Housing Listings
“Free help for people to list and search for affordable housing property across the state of Maryland for rent...”

Housing Information

Housing Information
“Providing housing resources and helpful information for renters about rights and responsibilities...”

Housing and Urban Development

Department of Housing and Urban Development - HUD
HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination. HUD offers many government assisted programs and resources for homebuyers and renters.

HUD awards grants to local organizations and groups for a variety of purposes. Working with local nonprofit organizations to invest in their communities through property rehabilitation and resell to first time home buyers and low to moderate income families. HUD programs have helped millions of people from being homeless by supporting local communities initiatives.

Making Homes Affordable

HUD's Mission

HUD's Mission
“Tackling the economic, financial, and community development issues of the current environment...”

Open Initiative

Open Initiative
“Transparency, participation, and collaboration that form Marylanders affordable low–income...”

FHLBank Community Programs

Federal Home Loan Bank System cooperative bank that offers low-cost banking services
The Federal Home Loan Bank System provides a stable source of funding to federally insured depository institutions. 12 regional banks in the Federal Home Loan Bank System, which raises funds in the global financial markets and distributes the proceeds to members and local communities.

Serving the economic and housing needs of communities by providing local banks with flexible options for community development initiatives. Contributing to community non-profits in the form of grants and subsidized advances that help build affordable housing. These funds have help construct more affordable housing units and have contributed to job growth throughout the region.

Affordable Housing

FHLBank Atlanta

FHLBank Atlanta
“Serving the housing needs of communities by providing community development initiatives.....”

Low Cost Financing

Low Cost Financing
“Affordable home loans and economic development credit to neighborhoods and communities....”

Interfaith Housing Alliance

Creating and preserving quality affordable housing
Concerned by the absence of any significant private response to the growing number of homeless and shelter-poor families in western Maryland, a large group of religious and lay leaders met to explore possible solutions. Advice was sought from The Enterprise Foundation, and on their recommendation, Interfaith Housing (IHA) was founded in 1990 as a regional nonprofit.

Housing programs include affordable homeownership opportunities and rental home communities. IHA manages all of its rental homes, ensuring responsiveness to residents’ needs and long term investment in the neighborhoods served. A community-friendly approach means that the needs of neighbors will always be taken into consideration as well. IHA works hard to ensure that our homes are a source of pride for residents and an asset to their communities.

Strengthens Communities

Preserving Quality

Preserving Quality
“IHA strengthens communities by providing affordable housing and supportive services...”

Quality Housing

Quality Housing
“Improving the quality of life and economic stability for Maryland seniors, working families and individuals...”

Making Home Affordable Program

Stabilizing the housing market and helping struggling homeowners get relief
In February 2009, the Obama Administration introduced a comprehensive Financial Stability Plan to address the key problems at the heart of the current crisis to get our economy back on track. A critical piece of that effort is Making Home Affordable, a plan to stabilize the housing market and help struggling homeowners get relief and avoid foreclosure.

homeowners can connect with free HUD-approved counseling organizations, locate free events in their area, find the application documents necessary to apply for the Making Home Affordable Program, as well as find answers to frequently asked questions and much more. The Making Home Affordable Program includes opportunities to modify or refinance your mortgage to make your monthly payments more affordable.

Help for Homeowners

Modification Program

Modification Program
“Providing eligible home owners the opportunity to modify their mortgages to make them affordable...”

Alternatives Program

Alternatives Program
“Provides opportunities for homeowners who can no longer afford to stay in their home but want to avoid...”

Maryland Homelessness Programs

Helping homeless families find their way home
Homelessness programs and services provide support to persons who are homeless, to empower them to find and maintain housing and meet life's critical needs. Providing housing solutions to housing options that are safe, decent, and affordable encompassing prevention, crisis intervention, and permanent housing is critical for empowering individuals.

People dedicated to eliminating homelessness providing services with housing opportunities to help people get off the streets and into sustainable living situations. Housing for homeless initiatives provide a roof overhead, help establish a stable life foundation, find and maintain housing, and meet life's critical needs.

Housing Opportunity

Supportive Services

Supportive Services
“Eliminating homelessness for people through prevention, education, supportive services and ...”

Housing Homeless

Housing Homeless
“Affordable housing initiative provides attainable, safe, long-term housing options for low-income tenants...”

Low-Income Home Energy Assistance Program

Expanding and enhancing information on low-income energy issues
The Low-Income Home Energy Assistance Program (LIHEAP) is a federally-funded program that helps low-income households pay their home heating and cooling bills. It operates in every state and the District of Columbia, as well as on most tribal reservations and U.S. territories. The LIHEAP Clearinghouse is an information resource for state, tribal and local LIHEAP providers, and others interested in low-income energy issues.

Since 1988, the National Center for Appropriate Technology (NCAT) has operated LIHEAP through a training and technical assistance contract from the U.S. Department of Health and Human Services, Administration for Children and Families, Office of Community Services and Division of Energy Assistance.

Improving Lives

Targeted Benefits

Targeted Benefits
“Benefiting low-income households with the highest energy burdens or the most need in Maryland...”

Maximizing Help

Maximizing Help
“Fostering energy self-sufficiency and reducing program dependency among recipients...”

Sustainable Cities Collective

The worlds best thinks on the urban future
Sustainable Cities Collective is an editorially independent, moderated community for leaders of major metropolitan areas, urban planning and sustainability professionals. Content and resources are for all who work in or are interested in urban planning, sustainable development and urban economics. Looking at issues such as transportation, building practices, community planning & development, education, water, health and infrastructure, we hope to create a community where people can get involved and learn about the advances in how cities are becoming smarter and greener in the 21st century.

The Sustainable Cities Collective is published by Social Media Today LLC. and is sponsored by by Siemens AG, the worldwide leading supplier of production, transportation, lighting and building technologies.

Community Conversation

Community Information

Community Information
“Community for leaders of major metropolitan areas, urban planning and professionals...”

Solving Problems

Solving Problems
“Looking at issues such as transportation, building practices, community planning & development...”

Joint Center for Housing Studies

Joint Center for Housing Studies of Harvard University
The Joint Center for Housing Studies is Harvard University's center for information and research on housing. The Joint Center analyzes the relationships between housing markets and economic, demographic, and social trends, providing leaders in government, business, and the non-profit sector with the knowledge needed to develop effective policies and strategies.

The Joint Center is a collaborative unit affiliated with the Graduate School of Design and the Harvard Kennedy School. Through its research, education, and public outreach programs, the Joint Center serves as a convener for informed discussion on issues in the housing sector of the nation’s economy. In doing so, it educates business leaders, government officials, policy makers, and the public on critical and emerging factors affecting housing and our communities.

Housing Research

Outreach

Outreach
“Making significant housing research available and accessible to audiences both within and outside...”

Education

Education
“Empowering housing research through teaching activities cross disciplinary collaboration...”

Maryland Community Action Partnership

Leadership & services that enable the achievement of self suffienciency for low income people
The Community Action Partnership is the nonprofit, national membership organization representing the interests of the 1,100 Community Action Agencies (CAAs) across the country that annually help millions of low-income Americans achieve economic security. Whether it's a Head Start program, Weatherization, job training, housing, food bank, energy assistance, financial education, or any of the other 40+ distinct programs, CAAs work to make America a better place to live.

Community Action changes people’s lives, embodies the spirit of hope, improves communities, and makes America a better place to live. We care about the entire community, and we are dedicated to helping people help themselves and each other.

Fighting Poverty

Community Dedicated

Community Dedicated
“Providing leadership & services that enable the achievement of self sufficiency for low income...”

Working Together

Working Together
“CAP provides the community network with training & technical assistance...”

Smart Growth America

Making communities work for everyone
Smart Growth America (SGA) works with communities to help them use land strategically, make the most of existing resources and invest strategically to catalyze private development. SGA is dedicated to providing best practices to local leaders in urban, suburban and rural communities working to create housing and transportation choices near jobs, shops and schools. SGA provides the resources to refine and implement local priorities with smart growth strategies.

Technical assistance has been made possible by a grant from the U.S. Environmental Protection Agency. The grant will be used to provide assistance to communities across the nation on how to develop local solutions to help their communities grow in ways that benefit families and businesses while protecting the environment and preserving a sense of place.

Community Solutions

Building Blocks

Building Blocks
“Targeted assistance to communities that face common development problems in Arizona...”

Technical Assistance

Technical Assistance
“Providing the resources to refine and implement local priorities in Arizona with smart growth strategies...”

Volunteers of America

Over 30 service programs run by Volunteers of America help low-income families
Volunteers of America (VOA) offers affordable housing for seniors, individuals with disabilities, and families aspiring to own their own home. VOA has an array of affordable housing options to assist in matching applicants with apartment homes. The apartments offer various subsidy programs, meaning the rent paid by the resident is subsidized either through federally funded project based Section 8, or the tax credit program or in partnership with United Way.

In addition to housing options, VOA offers programs and support services at their housing facilities. VOA has a strong Service Coordination program which matches residents' needs with services available in the community; computer centers at many apartment buildings, meal programs, transportation programs, social activities and several commodities programs.

Creating Opportunities

Serving Communities

Serving Communities
“VOA measures its success in positive change in the lives of individuals and in the communities served...”

Changing Lives

Changing Lives
“Identifying and serving the basic needs of the most vulnerable individuals and families within the...”