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Brush That Dirt Off Your Shoulder

To make good decisions, individuals must accurately assess costs and benefits. Some costs and benefits are real but not easily quantifiable, and others might be imposed on or accrue to other parties and thus are discounted in individual decision-making.

To make good decisions, individuals must accurately assess costs and benefits. Some costs and benefits are real but not easily quantifiable, and others might be imposed on or accrue to other parties and thus are discounted in individual decision-making.

One area where costs and benefits are not easily compared is in land-use planning and neighborhood site selection. Housing location has a significant impact on transportation costs, but those transportation costs rarely factor strongly into housing decisions. The term “drive ‘til you qualify” refers to the fact that families qualify for mortgage rates independent of location and can simply drive farther away from a high-priced metropolitan area in order to qualify for housing they can afford. Unfortunately, all this driving has very real costs that significantly erode affordability.

According to a 2006 study by the Center for Neighborhood Technology (CNT), working families in 17 of 28 regions studied actually pay more for transportation than they do for housing costs. CNT has since expanded this research to develop a detailed Housing + Transportation Index (H + T Index). In March 2010, CNT released a detailed analysis of 330 metropolitan areas in the United States, representing more than 80 percent of the total U.S. population. This new data is compiled in a report, “Penny Wise and Pound Fuelish,” which is accompanied by an interactive Web site for the H + T Index with localized data on 161,000 neighborhoods.

According to CNT President Scott Bernstein, “Everywhere we looked in America we saw a drive ‘til you qualify effect. Somewhere between eight and 12 miles out from the center of each region’s population, housing costs drop precipitously, but transportation costs start to go up quite quickly.”  
One goal of the H + T Index is to enable families, housing developers, and localities to incorporate transportation costs into their housing decisions. Typically, housing is considered “affordable” if a family pays less than 30 percent of their income for housing costs plus utilities. Based on its research, CNT is proposing a goal for transportation affordability of 15 percent of a family’s income. Combining housing and transportation affordability would thus mean that these combined costs should be less than 45 percent of a family’s income.

Looking solely at average housing costs and income, CNT estimates that seven out of 10 communities nationwide (69 percent) are affordable. “That shrinks, however, to just four of 10 (39 percent) when both housing and transportation costs are considered and a 45 percent affordability benchmark is applied,” according to CNT. This difference represents 48,000 individual neighborhoods. The CNT report argues for housing policy changes based on these combined costs, including disclosure of average transit costs on individual home sales, improved comprehensive planning efforts by municipalities, and diversified public investments in transit and other infrastructure.

— Jay-Z

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head

 Unfortunatelyarea where costs and benefits are not easily compared is in land-use planning and neighborhood site selection. Housing location has a significant impact on transportation costs, but those transportation costs rarely

desdcsdfvgdsfsdfsdfsdfsdfarea where costs and benefits are not easily compared is in land-use planning and neighborhood site selection.

  • Housing location has a significant impact on transportation costs, but those transportation costs rarely factor strongly into housing decisions.

  • The term “drive ‘til you qualify” refers to the fact that families qualify for mortgage rates independent of location and can simply drive

  • farther away from a high-priced metropolitan area in order to qualify for housing they can afford. Unfortunately

  1. area where costs and benefits are not easily compared is in land-use planning and neighborhood site selection.

  2. Housing location has a significant impact on transportation costs, but those transportation costs rarely factor strongly into housing decisions.

The term “drive ‘til you qualify” refers to the fact that families qualify for mortgage rates independent of location and can simply drive farther away from a high-priced metropolitan area in order to qualify for housing they can afford. — byine

Duis id justo id enim facilisis tempor. Duis massa felis, sodales et iaculis a, egestas non arcu. Donec tincidunt massa ac sapien viverra venenatis. Donec felis nulla, mollis eu porttitor ut, tempor sagittis orci. Phasellus tincidunt molestie lacinia. Cras ut quam sem, vitae pulvinar sapien. Praesent quis felis ut lacus varius vulputate. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Maecenas porttitor facilisis sodales. Aliquam vitae elit purus, vitae luctus lorem. Quisque molestie placerat tellus, id mattis nibh pulvinar a. In vitae erat non nunc egestas consectetur. Duis sollicitudin faucibus enim, in accumsan diam egestas nec. Integer scelerisque commodo posuere. Maecenas non tortor vitae ante vestibulum ultricies id in odio. Phasellus non semper metus. Proin at mi id nibh pellentesque laoreet. Vestibulum id leo eu lorem pulvinar luctus sed sit amet mi.

Vivamus pharetra sodales cursus. Morbi eleifend magna vitae nisi tincidunt quis vestibulum orci sollicitudin. Nunc fringilla feugiat est, ut sagittis turpis commodo quis. Ut et nibh enim. Pellentesque non lacus elit, nec facilisis eros. Vivamus pharetra felis et velit tincidunt rutrum pretium eros mattis. Mauris volutpat tortor ut mi vehicula volutpat pharetra lacus ornare. Vestibulum mattis, turpis nec commodo viverra, orci tellus sagittis dolor, eget rutrum arcu turpis eget metus. Etiam leo nisi, gravida vitae commodo et, ultrices ut turpis. Vestibulum risus tellus, luctus nec laoreet id, posuere et tellus. Integer quis nisl odio, nec convallis nibh. Ut ut libero non ante accumsan sodales sit amet vitae risus. Maecenas ut ipsum ipsum, ac tempus sem. Suspendisse pretium commodo nulla, vitae congue lectus feugiat et. Etiam pharetra porta urna, a condimentum odio laoreet ut. Vestibulum vitae dui est. Nam quis sollicitudin eros. Vestibulum congue sagittis urna, non dictum lectus gravida faucibus.

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