Housing Affordability Recommendations


Housing Affordability Advisory Team Introduction

On August 21, 2019, Mayor Castor kicked off the Housing Affordability Advisory Team. The challenge for this team was to recommend approaches to address housing affordability in Tampa and to integratethese recommendations with other Mayoral priorities.

The team evaluated a broad range of ideas including, but not limited to, increasing the supply of housing; revising zoning and land use regulations to provide for more multi-family and studio apartments and higher density in certain parts of the City; and incentivizing the development of more workforce and mixed-use development while improving regional transit mobility.

The team also assessed the role the City has had in facilitating affordable and workforce housing initiatives. In just the past two years, the City has invested more than 25 million dollars into housing affordability through a variety of assistance programs. Many of these programs are highlighted in this report, and those that have demonstrated success will be continued. In large part, the team identified many initiatives and programs that can promote housing affordability across many stakeholders. In some cases, existing programs need to be simplified and promoted or better coordinated to achieve maximum results. In other cases, the team identified new ideas or emphasized the need for Mayoral leadership to boost old ideas that have not adequately been implemented.

Ultimately, the group focused its recommendations on the following subject areas:



supply and programming Supply and Programming


Policy and Alignment Policy and Alignment


Community Outreach and EngagementCommunity Outreach and Engagement



View the Recommendations and Final Report (PDF)


House from Street

Factors Influencing Housing Affordability in Tampa

Population Growth

Tampa is a fast-growing city, offering an appealing quality of life that is attractive to newcomers. Newresidents are drawn to its strong economy, moderate climate, vibrant culture, and rich history. Since2000, Tampa’s population has grown primarily as a result of an influx of newcomers. The TampaBay Times reported in 2019 that nearly one-third of the area’s newcomers came from outside thecontinental Unites States, many as a result of recent hurricanes in the Caribbean.

According to the Census' American Community 2017-18 survey, Tampa is the third most populous cityin Florida. See chart below. Furthermore, the Tampa Bay Region is one of the top ten fastest-growingmetropolitan regions in the U.S. The City’s economy is strong and growing, attributable to manylarge employers such as Amazon, Bristol-Meyers Squibb, USAA, Mosaic, and others that relocatedto the area. While population growth typically represents prosperity in a community, it often comeswith unintended consequences such as increased traffic congestion, rising housing costs, and relatedstrains on infrastructure.

Tampa Population Growth

population data extracted from the Census’ American Community Survey 2017 5-year estimates and the Census’ 2018 Population Estimates

Tampa Population Growth from 2011 (346,778) to 2018 (392,890)

Construction Boom

Tampa’s influx of new residents has been, in part, spurred by the growing economy which has ledthe state in job growth multiple times over the last few years. As companies move into the area, bothcommercial and residential construction have increased.

Residential New Construction Permits Issued by Fiscal Year bar chart and Multi Family Permits Issued by Fiscal Year bar chart


Tampa’s skyline is rapidly changing as developers move to meet the demands of consumers. Thisincrease in construction has resulted in higher demand for labor and higher cost as contractors andprojects compete for a limited labor pool. The City’s ‘Owner Occupied Rehab’ program has sufferedfrom this dynamic. The program typically operates with more than a dozen qualified contractors,however, at this time, there are only four. This results in residents having towait more than six months for projects to be completed that would typically take less than three.

While the housing boom is generally beneficial to the community, less than 5% of the residentialpermits issued in Tampa in 2019 were for Affordable Housing units.

Market Changes

Tampa’s market is changing as well. Although wages are growing, many of the residents in low income census tracts lack the skills necessary to compete for higher paying positions. Accordingto the most recent ALICE (asset-limited, income-constrained, employed) data, the annualhousehold income needed to afford the market rate of an average one bedroom apartment is more than $35,000. This ismore than twice the income earned from minimum wage. As Tampa continues to thrive and grow itis incumbent that this community take steps to ensure that housing is affordable and the supply isadequate to meet the demand.

chart showing Tampa - St. Petersburg - Clearwater FL Rental Market


Mayor Jane Castor talking to people

General Findings


The Advisory Team identified numerous tactical and strategic recommendations that are set forthmore fully in this report. The Team also identified several foundational recommendations that are setforth below. These recommendations were identified as critical to achieving the overall vision for thisMayoral priority.
  1. Define the Concept. The term “affordable housing” is frequently misunderstood and misused. The federal Department of Housing and Urban Development (HUD) defines an “affordable dwelling” as one that a household can obtain for 30 percent or less of its income; or conversely, a household that spends more than 30% of its income on housing is deemed ‘cost burdened.’ There are many ways to measure housing affordability, however, the Advisory Team opted to focus its efforts to identify solutions that could serve a broad community.


    For that reason, the team chose to define the concept they were tackling as housing affordability -- a generic but more inclusive term to describe its objective.

  2. Define the Need. The Team acknowledged that Tampa is experiencing a growing housingaffordability issue; however, it struggled to precisely define the problem in terms of empiricaldata. It was agreed that a comprehensive understanding of the need wasnecessary to set forth meaningful and measurable targets. As such, the Advisory Teamrecommends that the City of Tampa, in partnership with Hillsborough County, undertake acomprehensive needs assessment to definitively determine current and projected housingneeds. The assessment should take into consideration employment- and transportationrelated needs, which in many cases, are inextricably linked to housing affordability. Itshould also consider preservation and restoration needs, as well as the duration of certainaffordability support programs. The assessment should more accurately identify the numberof housing units needed at different income levels in different neighborhoods, as well aswhat types of units are most appropriate in specified locations. A comprehensive needsassessment should seek to answer the following critical questions:
    • How many units are needed to fill current and projected demand?
    • What income levels need to be accounted for?
    • What types of units are required?
    • What locations are most suitable?

  3. Prioritize the Need. The Mayor should continue to elevate housing affordability as a Citypriority and seek the support of local and regional influencers, organizations, employers,and advocacy groups. There should be a specific focus on working with the EconomicDevelopment Council and the various Chambers of Commerce (Tampa, Black, Hispanic, etc.)to include Housing Affordability as a critical strategy for continued economic growth andcommunity empowerment.

    Housing Affordability Team

    Advisory Team Recommendations


    To ensure that Tampa residents have access to housing they can afford, it is critical that the supplyof housing meet the demands of a rapidly growing population.4 For more than a decade, the numberof new residents moving into Tampa has outpaced the number of new housing units built. Last year,nearly 900 permits were issued for new residential homes, only 40 of those permits were classifiedas ‘affordable housing.’ This limited supply has led to both increased rents and higher sales prices inalmost all of Tampa’s neighborhoods. This growth has led to gentrification in some neighborhoods asmiddle-income families compete with lower-income families for the same pool of available housing.At the same time, the supply of public housing and subsidies has failed to keep up with the level ofneed. City policies, including land use, should encourage the development of an adequate supply ofhousing that residents can afford.

    The Tampa Bay Times recently reported, “Those waiting for public housing are among thecommunity’s poorest. They include veterans, the disabled and the elderly. To qualify, a family of fourmust have a household income of no more than $34,000. At present, more than 25,000 peopleare on Tampa Housing Authority’s waiting lists for either public housing or a housing voucher. Theaverage wait time is up to a decade.”

    According to the 2019 Homeless Count in Hillsborough County, on any given night, there are at least1,650 homeless men, women and children in Tampa-Hillsborough County. These are peoplewho are sleeping on the streets, behind buildings, in encampments, in cars, in available emergencyshelters, and in transitional housing.

    Unfortunately, the list of negative statistics in this area is long. The Advisory Team recommendsa series of immediate and longer-term actions to reverse the trends driving homelessness andlack of housing affordability. Those recommendations are outlined in three sections, the details ofwhich follow.

    Section 1. Housing Supply and Programs

    Section 2. Policy and Alignment

    Section 3. Community Outreach and Engagement


    Section 1. Housing Supply and Programs


    The notion of supply and programming runs across many aspects of housing affordability, includinghaving adequate housing available to meet demand, having sufficient funds and resources to buy, build,and maintain the supply, and having effective programs in place to bridge the gap between the supplyside and the demand side of the equation. The following is a series of recommendations in this area.

    Recommended Action Items
    1. Increase the supply of Housing Units
      Housing affordability is a challenge primarily driven by market trends, limited supply, andhigh demand. When demand outstrips supply, housing prices rise. The City and its partnershave initiated numerous programs over the years to counteract the harsh supply anddemand cycle, including the addition of more affordable units in a wide range of locationsincluding Nehemiah (Sulphur Springs), Beacon Homes and Genesis (East Tampa), Encore(Downtown North), and Southland (South Tampa). Notwithstanding the success of theseprograms, it has not been enough to stem the growing gap between supply and demandwhich exacerbates the lack of affordability.


      One of the City’s challenges is the constraints that exist as a result of its current directapproach to managing land and real estate, as well as distribution of certain financialresources. The advisory team explored a range of best practices in use by otherjurisdictions across the country that have enabled greater flexibility and adaptability toevolving needs.There is no one-size-fits-all solution so it is crucial to havetools that can open the door to deploying more innovative construction methods andmaterials and encouraging a wide variety of home sizes and types.


      For this reason, the Advisory team recommends initiating two new programs that have hadpositive results enabling a wider range of solutions in other jurisdictions – a CommunityLand Trust and a Housing Trust Fund.


      Community Land Trust


      A Community Land Trust is a tool used widely around the country to enable more flexiblesolutions for tackling housing affordability. It is typically used to secure land and vacantproperty for the purpose of converting it to achieve housing affordability goals. The useof this land can be managed more comprehensively - and strategically - through thegovernance of the Trust.


      An effective Community Land Trust (CLT) would ensure a wider geographic distributionof housing affordability across the City and beyond. By representing a wide range ofstakeholders and having a macro view of the needs and opportunities, the CLT would usea more needs-based strategy for the placement and type of housing units. In addition, theCLT could drive the availability of new rental units as part of Tampa’s housing affordabilityinventory. Ultimately, the CLT would be well-positioned to map the types and availability ofhousing throughout the city and develop a strategy to address gaps.


      Moreover, the CLT could be instrumental in driving the adoption of policies at the City,and beyond, that support housing affordability goals. For example, specific policies candrive down the cost of building and renovating housing units which directly translatesinto housing affordability. Policies concerning fees associated with construction, includingimpact fees, can have a tremendous effect on the bottom line.


      The advisory team strongly recommended exploring best practices for the methods,policies, and procedures to ensure effective controls and accountability for a CLT. To bemost effective, the tool must have a clear vision, mission, and measurable goals.


      Rebuilding Together with 7 people standing in front of sign

      Housing Trust Fund

      A Housing Trust Fund (HTF) provides an opportunityto grow and strategically manage a base of financialresources that can be used to plan, design and buildnew residential units. The challenges facing Tampa infunding housing affordability initiatives are not unique.Every day, Tampa residents who purchase homescontribute Florida Doc Stamp revenue to the state’sSadowski Trust Fund which is intended to augmentmunicipal funding associated with housing affordabilityprograms. However, year after year, more and more ofthe Sadowski funds have been diverted to the state’sgeneral budget, forcing cities to have to identify otherfunding sources.


      In spite of this, there is hope. Tampa’s CommunityRedevelopment Districts generate revenue, part ofwhich can be prioritized for housing affordability. Thereare also opportunities to work with Hillsborough Countyand the private sector to address the issue.


      That is where the HTF comes in. An HTF could be used to formally accept and manage contributionsfor specific purposes and programs, manage and grow the corpus, and develop a sustainablehousing affordability budget that is not subject to the fluctuations of state and federal funds.Moreover, the HTF could be used to achieve critical mass around financial resources, whereas todaysupport dollars tend to be distributed across many meritorious, but disparate organizations.


      Like the CLT, a HTF can provide greater flexibility for communities to meet their specific needs such as the family that earns too much to receive housing aid, but not enough to actually afford suitablehousing. These ‘need gaps’ are nearly impossible to fill with federal or state funds which typicallyhave restrictive qualifying criteria. The funds in a HTF would not be subject to these limitations.


      For these reasons, the Advisory Team recommends that the City work to develop a HousingTrust Fund with a preliminary base of $8 million and a goal of $40 million within eight years.


      Typically, an HTF starts with a base of funds derived from multiple sources. The funds are invested todrive positive returns and grow the account balance. The bulk of the funds are used to build homesthat are then sold, and a portion of the proceeds of the sale are used to repay the contributors at theend of a designated period.



      The Advisory Team recommends that a substantial portion of the base funds should comefrom private sources, specifically corporations and local employers who rely upon the talentand workforce to achieve their success. Contributing to a housing affordability solution thatenables the local workforce to live near where they work is a fundamental component of aprosperous and resilient City and should be a leading driver for all Tampa employers.


      Another funding source could be established through a partnership with Hillsborough County.The Hillsborough County Commission recently committed $10 million toward housingaffordability solutions. It would be a significant step toward a long-term sustainable solutionto have the City and the County formalize collaboration and a partnership in strategicallydeploying these dollars back into the community.


      An additional source of funding could be the City’s Community Redevelopment Area(CRA) budgets. The CRA Board recently voted to have its staff research the feasibility andeffectiveness of dedicating a specified portion of each CRA’s budget to help create moreaffordable housing. The use of CRA funds for this purpose is supported by the CommunityRedevelopment Act (Chapter 163, Part III, Fla. Stat.) which promotes the creation ofaffordable housing and allows community redevelopment funds to be used to developsuch housing within community redevelopment areas. It should be emphasized that fundscontributed by a CRA would be specifically earmarked for use in that CRA’s geographicallocation.


      Like the CTF, the advisory team strongly supported having specific production targetsand meaningful standards and controls to ensure the highest level of effectiveness andaccountability in the development and management of a fund of this nature.

    2. Set achievable and measurable targets

      1. Accelerate the addition of 10,000 Housing Units by 2027

        Through a variety of programs and initiatives, the City has, over time, added to thesupply of housing units serving a wide range of income levels and needs. This pastyear, the City introduced new programs and new partnerships and collaborationswhich resulted in a significant increase in the number of units produced. TheAdvisory Team recommends that the City, in partnership with all relevantorganizations and agencies, increase the types of programs that accelerate theprocess, diversify the types of units made available, and target the addition of10,000 Housing units - spanning all income levels - by the end of 2027.


        Income Levels and Percentage of Housing Units
        Income Levels Suggested Percentage of Housing units
        Very Low Income (0-50% AMI) 30%
        Low Income (51-80% AMI) 40%
        Workforce Housing (81-140% AMI) 30%

      2. Restore and preserve at least 100 existing Housing Units annually
        The City should work with organizations such as Rebuilding Together Tampa Bay,Inc. (RTTB), Habitat for Humanity, and others, to secure funding to assist propertyowners who have code violations due to rehab issues. The City could explorereplicating restoration programs such as Program Operation Code-Vet throughHillsborough County and can work with home improvement stores (local and ‘bigbox’) to have them provide hands-on home maintenance classes to help educatehomeowners on how to reduce repair costs through more routine maintenance.

    3. Expand the use of successful Housing Affordability programs
      The City of Tampa distributes approximately $10 million a year toward housing affordabilityprograms. Several recommendations relate to ensuring the continued success of theseprograms. The Advisory Team emphasized that these programs should remain in effectand should be routinely assessed to ensure maximum effectiveness and aggressivelypromoted to increase awareness.

      The primary programs identified for continuation are set forth below.
      1. Rental Subsidy Program
        The City provides two unique programs serving different community needs. The‘Rental Subsidy Program’ distributes funds to qualified applicants to offset the costof rental and utility deposits. The ‘HOME Tenant-based Rental Assistance program’(TBRA) provides rental support for up to one year for individuals emerging fromhomelessness.

        There are many ways to expand these programs for some of the City’s mostdeserving recipients, including seeking alternative funding sources that wouldenable families earning between 80 and 140% of AMI to qualify; encouragingemployers to more actively promote the programs to their eligible employees; andimplementing programs that educate employers about programs that can helptheir workforce fulfill their housing needs.
      2. Dare to Own the Dream Program
        The City provides down-payment assistance to individuals and families thatpurchase a home in the City Limits. The program provides assistance to familieswho earn up to 140% of the Area Median Income (AMI). It was widely regarded asa successful program that should be continued.
      3. Owner-Occupied Rehabilitation Program
        This program provides funds for home repairs such as roofs and major systemrepairs which enable a homeowner to sustain their home. The advisory teamrecommended exploring feasible options to expand the eligibility for families whoearn up to 120% of the AMI.
      4. Vacant Land Re-purpose Program
        The City will seek to expand this program which re-purposes vacantland that has been the subject of foreclosure, typically due to long-standingcode enforcement liens. The land can then be designated for housingaffordability purposes. The recommended Community Land Trust is one method toestablish comprehensive policies for the development and transfer of these lands.
      5. In-fill Housing Program
        In-fill housing has typically been an attractive tool for community redevelopmentand growth, helping to offset the costs associated with urbanredevelopment where land can tend to be more costly and properties oftenneed substantial rehab. In-fill housing can also be an essential component ofinterconnectivity across a community. The City’s program provides funding forconstruction, as well as reduced permitting fees and Lot Readiness Funds, all ofwhich contribute to a more affordable home.

    4. Identify new Housing Affordability programs
      1. The City will encourage large employers to develop programs whereby theemployer invests in specific housing assistance programs as part of individualemployee compensation packages.
      2. The City will consider policies and pilots that enable new and emerging housingmaterials and types including pre-fab housing, tiny homes, container homes andothers. The City could tap into successes achieved in other jurisdictions acrossthe country, and work with tiny home/container housing developers to identifyopportunities on available lots owned by the City of Tampa.
      3. The City will develop a land map that identifies land and properties that may beconsidered for housing affordability programs including City-owned vacant and/or underutilized land and land owned by other governmental entities such as theschool board, county, port, etc.

      house
    5. Ensure accountability
      Every organization that receives City housing affordability funds orother resources should be routinely evaluated for its performancein achieving its objectives. Further, the City should develop aprocess and policy whereby organizations must meet minimumperformance standards to remain City-approved.

      The City will assess the qualifications and exceptions for each of theCity’s Housing Programs, and retool, where appropriate, to meetthe goals and vision of this administration and the Advisory Teamrecommendations.

      For City-sponsored programs that award contracts to developers to build affordablehousing, the City will set program criteria to enable a wider range of developers/builders to qualify. In addition, the City will ensure qualifying criteria is clear, concise, and transparent; clarify the approach used forselecting existing builders for current programs; and increase the transparency of theprocess, the selection criteria, the measures of performance for the selected builders, andthe outcomes of the program over time.

    6. Mitigate negative impacts
      Each of Tampa’s neighborhoods possess a unique character that reflects the great diversityof our city. In some of Tampa’s traditionally lower-income and working-class neighborhoods,housing costs have increased dramatically over the past decade. In some cases, this haspriced-out long-time residents and changed the character of specific neighborhoods.

      At the same time, increasing equity and rising home values can reduce income inequality, mitigating the negative impacts of gentrification and promoting opportunitiesfor long-standing residents to build generational wealth should notbe mutually exclusive goals. The Advisory Team recommended several initiatives that couldmitigate the negative impacts of housing affordability.

      First, designate ‘Income Source’ as a protected class to prevent the negative bias that canbe associated with the use of a housing subsidy. Access to housing should be based on theability to pay, regardless of what the source of the funds is.

      Second, extend the duration of liens associated with owner-occupied rehabilitationprograms to ensure the home remains affordable and discourages predatory investors frommaking offers to purchase.

      Lastly, develop education campaigns to help vulnerable residents avoid scams andpredatory investors. Several purposed programs are aimed at reducing the exploitation ofvulnerable residents, such as legal aid resources to address probate issues, assistance in the legal transfer of title to livingrelatives, and will-writing services for low and moderate-income families.

      Section 2 - Policy and Alignment


      The Advisory Team identified numerousopportunities to better align the City’s zoning andland use codes with the Mayor’s vision for a robusthousing affordability ecosystem.These recommendations entail modifying – andin some cases eliminating- portions of the LandDevelopment Code (LDC) that either impede thepath to producing affordable housing units or addunnecessary costs to projects that ultimately getpassed on to the buyer or tenant.

      In addition, the Advisory Team recognized thattransportation and housing are the two largesthousehold expenses for most families, and therefore,access to reliable and affordable transportationoptions is key to creating attainable housing,and in turn, economic growth and prosperity. Forthat reason, the Advisory Team’s LDC-relatedrecommendations emphasize the need to focuson land-use changes that support Transit-OrientedDevelopment (TOD) along key transit investmentcorridors. Transit-oriented development can include a mix of commercial, residential, office, andentertainment centered around or near a transit station. Dense, walkable, mixed-use development neartransit attracts people and adds to vibrant, connected communities.

      Because housing affordability and transportation are so inextricably linked, it is imperative thatthe City’s transportation agenda align with its housing agenda and that both are adopted into theCity’s Comprehensive Plan and Land Development Code. As such, the Advisory Team provided thefollowing recommendations.


      Mayor Castor talking


      Recommended Action Items

      1. Evaluate the creation of ‘transition’ zoning district(s) near commercial corridors to support theCity’s vision for more density concentrated along the commercial corridor, but in a manner thatcreates a gradual transition to adjacent lower-density residential neighborhoods. Focus first ontransit investment corridors where TOD should be encouraged.
      2. Revise Section 27-43 of the Land Development Code to better define the term ‘HousingAffordability Development’ to prevent misuse and misinterpretation, and integrate the newdefinition with broader Housing affordability goals. Clarifying the term will ensure thatincentives targeted for housing affordability are appropriately applied. Such a definition mayincorporate, but should not be limited to, an affordable housing development that qualifies forexisting federal and state tax credit programs.
      3. Create a separate code section to emphasize the ‘affordable housing’ bonus provisioncurrently incorporated into Section 27-140 of the Land Development Code; include severalnew incentives including, but not limited to, bonus density, express permitting, fee waivers (aspermitted by law), and parking requirement reductions.
      4. Assess and provide specific recommendations regarding the feasibility of inclusionary zoning under certain specified criteria.
      5. Assess the possibility of creating presumptions of entitlement in favor of requests for certainadministratively-granted variances.
      6. Develop exceptions to reduce the off-street parking requirements for new developments thatmeet certain criteria such as a) qualifying as a Housing Affordability Development or b) beinglocated either within one half mile of a transit stop or station with weekday service intervalsof fifteen (15) minutes or less, or within one (1) mile from the boundaries of the City’s ‘MajorEmployment Areas’ as defined in the Comprehensive Plan.
      7. Consider revising the Comprehensive Plan and LDC to allow limited multi-family housingdevelopment in existing single-family districts; in areas of the City that are designated fortransit-oriented development; are in or adjacent to ‘Major Employment Areas’ as defined in theComprehensive Plan; or are located in designated Low-Income Community census tracts.
      8. Revise Sections 27-132 and 27-290 of the Land Development Code to identify more areasof the City where accessory dwelling units should be allowed as a permitted use, subjectto certain established criteria. Consider reducing the requirements that apply to accessorydwelling units, such as a) eliminating the requirement that an owner occupy the mainresidence that an accessory dwelling unit serves; b) tying maximum occupancy to per-personsquare footage instead of a set limit of two (2) occupants; and c) replacing the square footagelimitation in Section 27-132 with a percentage limitation applicable to accessory structuresset forth in Section 27-290.
      9. Revise the Land Development Code to allow merging of contiguous vacant lots in existingneighborhoods to allow smaller and narrower lots than surrounding zoning, and identifyspecific allowances for lots narrower than the RS-50 zoning requirements.
      10. Consider expanding the current form-based code provisions or adding new provisions in theLDC to allow for non-traditional single-family housing types such as tiny homes, containerhomes, and other micro-housing options. Provisions should allow for appropriate setbacks,square footage, and height allowances that are unique and tailored to support non-traditionalsingle-family dwellings.
      11. Provide a streamlined rezoning or Planned Development process whereby non-traditionalsingle-family housing types are developed while existing housing stock is maintained within asingle site plan.
      12. Encourage true infill development and minimize gentrification and existing resident relocations.
      13. Identify a pilot project that allows developers to create a ‘village’ of new and emerging singlefamilyand small multifamily housing types that could be used as a testing ground for smallerlot allowances, incentives, relaxed requirements, and form-based codes.

      Section 3 - Community Outreach and Engagement


      Housing security is key to family wellness, community economic growth, better health, andimproved schools. As this administration moves forward to address the housing needs of thecommunity, the committee recommends that ‘Outreach and Engagement’ be paramount to everystrategy to ensure success.

      As the City works to increase the supply of housing affordability and the diversity of housing choices,it is important to make the public aware of all opportunities, resources and options available to helpcitizens achieve housing security. Tampa is home to hundreds of non-profit agencies, housing developers,financial institutions, and government entities providing services to meet the housing needs of arearesidents. These efforts should be better integrated to achieve the greatest impact. The following are recommendations related to community outreach and engagement.


      Recommended Action Items
      1. Expand outreach. To ensure the widest coverage for information and input, the City shouldexpand efforts to promote housing affordability through multiple forums such as social media,newspapers, TV, videos, newsletters, websites, etc. All outreach methods should be evaluatedregularly to ensure resources are used for maximum effect and convey a consistent theme andmessage. Specific efforts include:
        1. Develop and implement a strategic outreach strategy. The strategy should include, butnot be limited to the following concepts:
          1. Ensure consistent messaging about programs and resources.
          2. Utilize all media sources and citizen-facing points to ensure widest coverage toall audiences.
          3. Incorporate an educational component to better inform the public on themeaning, importance, and benefits of ensuring housing security for all.
          4. Include regular updates on performance and results of on-going programs.
        2. Actively engage the business community, non-profit organizations, local schools, andother government agencies to partner in all outreach and education efforts, includingproviding links to City programs and services on partner websites.
        3. Design outreach programs targeted at large employers to implement a continuoushousing education program, e.g., Lunch & Learn, housing newsletters, etc.
        4. Assist in facilitating a community-based group to influence state representatives tohonor the State Housing Trust Fund commitments.
      2. Simplify and Centralize Information. The City should catalog all housing assistanceprograms and housing affordability materials. Specific efforts should include:
        1. Create a central hub for consumers to easily access the programs and services thatmeet their needs and determine how to navigate the system effectively.
        2. Update and expand the ‘Housing & Community Development’ website to make it moreuser-friendly, including tutorial videos to help applicants with the application process.
        3. Review all housing information materials to ensure clear and concise messagingfor the intended targeted audience and verify that the language and culture areconsidered for maximum community effect.
      3. Unify and Integrate Counseling Services. Counseling services are a key component ofany housing strategy. Efforts should be made to expand the availability of these servicesand educate the public on the benefits of Housing Counseling as an acquisition and housingsustainability tool. Specific recommendations include:
        1. Expand Housing Counseling services to include locations and service delivery optionswith greater accessibility.
        2. Work with Housing Counseling agencies to expand services to include rental,foreclosure and financial counseling.
        3. Maximize the use of pro-bono legal services to ensure that those in need havesufficient access to expertise and resources concerning their legal rights andobligations.
        4. Encourage Legal Aid and similar services to advertise and promote their services,including providing brochures at various City locations.
        5. Co-host workshops throughout the City to assist families with title issues, renters withlandlord-tenant issues and homeowners facing foreclosure.

    man and a woman

    Housing Affordability Advisory Team Members


    Co-Chair: Tyler Hudson
    Attorney, Gardner Brewer Martinez-Monfort

    Co-Chair: Bishop Dr. Tom Scott
    Former County Commissioner and Former City Council member

    Co-Chair: Bemetra Salter Liggins
    Florida Managing Director, Mutual of Omaha Bank

    Bret Azzerelli
    Vice President, Elements Architecture Firm

    Ernest Coney
    Chief Executive Officer, Corporation to Develop Communities of Tampa

    Marianne Edmonds
    Senior Managing Director, Public Resources Advisory Group

    Pete Edwards
    Community Advocate

    Harry Hedges
    Managing Director, H&R Properties

    Sul Hemani
    Vice President, Business Relationship Manager, Chase Bank

    Mickey Jacob
    Principal, Design Studio at BDG Architects

    Peter Leach
    Senior Vice President, Southport Financial Services, Inc.

    Yvette Lewis
    President, NAACP Hillsborough Branch

    Machelle Maner
    Vice President of Community Development, Wells Fargo

    Leroy Moore
    Senior Vice-President/Chief Operating Officer, Tampa Housing Authority

    Debra Reyes
    President and Chief Executive Officer, Neighborhood Lending Partners, Inc.

    Darrell Robertson
    Chief Relationships Officer, New York Life’s Tampa operations

    Rebecca Snyder
    Senior Vice President, Residential Asset Strategy

    Antoinette Triplett
    Chief Executive Officer, Tampa Hillsborough Homeless InitiativeChairwoman, Tampa Hillsborough Continuum of Care

    Jim Weiss
    Tampa City President, Fifth Third Bank



    Appendix A - Federal HUD and State Income Limits

    Federal HUD and State Income Limits (PDF)

    Appendix B - Common HUD Terms and Acronyms

    Acronym definitions
    Acronym Definition
    AAP Annual Action Plan
    ADA Americans w/ Disabilities Act
    AFFH Affirmatively Furthering Fair Housing
    AI Analysis of Impediments (to fair housing); a part of Consolidated Plans
    AMI Area Median Income
    CAPER Consolidated Annual Performance and Evaluation Report
    CDBG Community Development Block Grant (CPD program)
    CDC Community Development Corporation
    CHDO

    Community Housing Development Organization. Nonprofit housing provider receiving a minimum of 15% of HOME Investment Partnership funds

    CoC Continuum of Care approach to assistance to the homeless
    Continuum of Care Federal program stressing permanent solutions to homelessness
    Con Plan Consolidated Plan; a locally developed plan for housing assistance and urban development under the Community Development Block Grant and other CPD programs
    COT City of Tampa
    CPD Community Planning and Development (HUD Office of)
    CRA Community Reinvestment Act
    DAP Down payment Assistance Program
    EA Environmental Assessment. Analysis to determine the effect of a project on the environment. May lead to an Environmental Impact Statement (EIS).
    ESG Emergency Shelter Grants
    FY Fiscal year
    HCD Housing and Community Development
    HOME Home Investment Partnerships
    HOPWA Housing Opportunities for Persons with AIDS
    HQS Housing Quality Standards
    HUD U.S. Department of Housing and Urban Development
    HUD-VASH HUD-Veterans Affairs Supportive Housing program
    LIHTC Low Income Housing Tax Credit
    NSP Neighborhood Stabilization Program
    PHA Public Housing Authority
    PJs Participating Jurisdictions (in HOME program)
    PY Program Year
    REO Real Estate Owned
    RFP Request for Proposals. Used to solicit proposals for contracts under the negotiated procurement method.
    RFQ Request for Quotations. Used to solicit price quotes under the simplified acquisition procurement method.
    Section 3 Obligates access to jobs and contracting opportunities created by federal funding for PHA Residents and/or a low-income area resident
    SHIP State Housing Initiative Program
    TA Technical Assistance
    TBRA Tenant-Based Rental Assistance
    THA Housing Authority of the City of Tampa
    THHI Tampa Hillsborough Homeless Initiative
    UPCS Uniform Physical Condition Standards
    USDA U.S. Department of Agriculture
    UW United Way
    VA Veterans Affairs (U.S. Department of)
    VASH HUD-Veterans Affairs Supportive Housing Program
    W/MBE Women and Minority Business Enterprise

Updated: 06/10/2020