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123 <br />MA-50 Needs and Market Analysis Discussion <br />Are there areas where households with multiple housing problems are <br />concentrated? (include a definition of “concentration”) <br />Concentrations of households with housing problems are defined as ten percent over the <br />rate at which severe housing problems occur throughout the City as a whole, based on <br />CHAS 2016-2020 data. Citywide, 21 percent of households have one or more severe <br />housing problem, thus the threshold for concentration is 31 percent. Map 4 illustrates areas <br />throughout the City where a concentration of households have severe housing problems. <br />Are there any areas in the jurisdiction where racial or ethnic minorities or low- <br />income families are concentrated? (include a definition of “concentration”) <br />Low-income is recognized as up to 50 percent AMI. Concentrations are defined as areas <br />where these populations exceed the citywide rate by at least ten percent. Citywide, 46 <br />percent of households have low incomes, so the threshold is 56 percent. Map 5 illustrates <br />areas throughout the City where a concentration of households have low incomes. Ther <br />are some areas of the City where concentration of severe housing problems and low <br />income intersect. <br />Pursuant to the Interim Final Rule: Affirmatively Furthering Fair Housing Revisions Federal <br />Register Volume 90, No. 40 – March 3, 2025 – Pages 11020-11025, HUD reconsidered the <br />racial or ethnic minority analysis. The Interim Final Rule, effective April 2, 2025, removed <br />this requirement formerly stated at 24 CFR 91.205(b)(2). <br />EXHIBIT 1