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Safe & Stable Housing

# Housing Choice Voucher units under lease

287May 2022

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Story Behind the Curve

The Housing Choice Voucher Program (HCV) pays a subsidy amount towards the rent for low-income people, so they can live in a house, condo, duplex, townhome, apartment, or mobile home of their choice.  CMCA partners with local landlords in Callaway, Cole, Cooper, Howard, Moniteau and Osage Counties.  Data indicates the number of Housing Choice Voucher units under lease through CMCA's Housing Choice Voucher Program.

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Additional Data

Housing Choice Voucher tenants represent diverse ages, genders, races, and ethnicities.  Heads of household report a variety of main sources of income.  Only 15% of households rely on general assistance as their main source of income, while 34% report Social Security and 30% report wages as their main sources of income. An additional 16% report Supplemental Security Income (SSI) as their main income source.  Data below illustrates the demographics of individuals in households receiving Housing Choice Vouchers.  

       

      

    

 

Households eligible for the Housing Choice Voucher program are added to a waitlist until vouchers become available.  Once vouchers are available, the family actively begins searching for housing through a landlord that accepts Housing Choice Vouchers.  The number of people on the waitlist, the average length of time spent on the waitlist, and the number of people with vouchers who are unable to find housing are all indicators of the housing crisis.  In October 2021, CMCA's Housing Choice Voucher program had 115 households on the waitlist and 54 households who were approved for vouchers but were unable to find housing with landlords who accepted the vouchers.  

 

                          

Why Is This Important?

Affordable housing is a critical need in mid-Missouri.  Several factors contribute to the housing crisis, including lack of affordable housing, lack of a living wage, and insufficient housing stock.  CMCA supports families and communities by providing services that address each of these factors.

Lack of Affordable Housing

In CMCA's service area, nearly 22,400 (44.1%) renters and over 10,300 (18.2%) home owners with mortgages are housing cost burdened.  A person is considered housing cost burdened when over 30% of their income is spent on housing.  There are only 4,950 HUD-subsidized housing units available in CMCA's service area, which includes both public housing units and private rental properties that accept subsidy.  Of these, 2,761 (56%) are units owned by landlords who accept Housing Choice Vouchers. 

           

CMCA is authorized to distribute HCV vouchers to assist families in obtaining affordable housing.  The number of vouchers CMCA can afford to distribute varies based on the value of the vouchers.  CMCA is actively seeking new landlords willing to accept HCV subsidy payments in order to increase the number of housing units available to low-income individuals.

Lack of a Living Wage

The chart below highlights the gap between the average wage earned by renters and the housing wage (the wage required to afford a one, two, or three bedroom rental unit) for each of the counties in CMCA's service area.  CMCA offers employment coaching services through SkillUP and the Financial Opportunity Center to assist people in gaining living wage employment.

Renter Wage vs. Housing Wage

Wage Audrain Boone Callaway Cole Cooper Howard Moniteau Osage
Average Renter Wage $12.90 $12.14 $13.15 $12.97 $10.94 $8.28 $9.58 $9.91
Housing Wage, 1 BR $8.96 $13.88 $10.92 $10.50 $9.96 $10.08 $9.65 $10.50
Housing Wage, 2 BR $12.98 $16.81 $14.38 $13.04 $13.13 $13.29 $12.73 $13.04
Housing Wage, 3 BR $16.58 $22.56 $19.08 $18.54 $17.98 $17.38 $16.50 $18.54

 

Insufficient Housing Stock

Communities simply do not have enough available housing stock to support families who choose to live there.  CMCA's Housing Development Program builds new single family homes and multi-unit apartment complexes and rehabilitates existing properties to increase the available housing stock in our community.  CMCA also offers low-income families a path to home ownership through USDA home loan packaging services. 

Interested in helping families find affordable housing in your county?  Consider supporting our efforts.

Sources:

1.  U.S. Census Bureau. (2021). 2019: ACS 5-Year Estimates Data Profiles, Table DP04. 

2.  Housing & Urban Development, Office of Policy Development & Research. (2021). Assisted Housing: National & Local, 2020 estimates from 2010 Census.

3.  National Low Income Housing Coalition. (2021). Out of Reach: 2021: Missouri.

How We Impact

CMCA is the Mid Missouri Public Housing Agency responsible for processing vouchers supplied through the Housing Choice Voucher Program (formerly known as Section 8) as part of the U.S. Department of Housing and Urban Development.  CMCA serves the counties of Callaway, Cole, Cooper, Howard, Moniteau and Osage.  For information for Boone County, visit the Columbia Housing Authority, or for information for Audrain County, visit the Mexico Housing Authority.

The Housing Choice Voucher Program (HCV) pays a subsidy amount towards the rent for low-income people, so they can live in a house, condo, duplex, townhome, apartment, or mobile home of their choice.  To qualify for this program, rental units must meet the standards of health and safety, as determined by the Mid-Missouri Public Housing Agency (MMPHA).  The housing subsidy is paid directly to the landlord by MMPHA on behalf of the participating family. The family then pays the difference between the actual rent charged by the landlord and the amount subsidized by the program.  As the family's income increases, they pay more towards the actual rent.  A family graduates from the HCV program when they have paid the full rent amount independently for six months.  The number of HCV vouchers that CMCA can afford to administer varies based on the value of the vouchers.

Want to help make an impact?  Learn more about how you can help.

Partners

                                         

CMCA is the Mid Missouri Public Housing Agency responsible for processing vouchers supplied through the Housing Choice Voucher Program (formerly known as Section 8) as part of the U.S. Department of Housing and Urban Development.  CMCA partners with local landlords across the service area who accept Housing Choice Vouchers.

Need affordable housing?  Learn more about the HCV program.

Interested in becoming an HCV landlord?  Contact us at (573)-443-8706 x1050.

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