CITY OF MCKEESPORT, PENNSYLVANIA 500 Fifth Avenue, McKeesport, Pennsylvania 15132

CITY OF MCKEESPORT, PENNSYLVANIA 500 Fifth Avenue, McKeesport, Pennsylvania 15132 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE UPDATED: FEBRUARY 2011 Regis T. McLaughlin, Honorable Mayor City Council: Michael E. Cherepko Richard Dellapenna Loretta M. Diggs Dale McCall Darryl Segina Alfred Tedesco, Jr. V. Fawn Walker Dennis Pittman, City Administrator Bethany Budd Bauer, CDBG Coordinator Prepared For: Prepared By: City of McKeesport Department of Community Development Urban Design Ventures, LLC 212 East Seventh Avenue Homestead, PA 15120

City of McKeesport, Pennsylvania Table of Contents Executive Summary... 2 I. Introduction... 7 II. Background Data... 8 A. Population and Race... 8 B. Households... 11 C. Income and Poverty... 15 D. Employment... 18 E. Housing Profile... 20 F. Financing... 22 G. Household Types... 28 H. Cost Overburden... 30 I. Housing Problems... 33 J. Disabled Households... 35 III. Review/Update to Original Plan... 37 A. Summary of Impediments May 2005... 37 IV. Impediments to Fair Housing 2010... 41 A. Fair Housing Complaints... 41 B. Public Sector... 49 C. Private Sector... 57 D. Citizen Participation... 64 E. Potential Impediments and Recommendations... 64 V. Certification... 65 VI. Appendix... 66 A. Appendix A Demographic Data... 67 B. Appendix B Home Mortgage Disclosure Act Data... 68 C. Appendix C HUD-CHAS Data... 69 D. Appendix D Meeting Summaries... 70 Analysis of Impediments to Fair Housing Choice 2010 Update Page 1 of 70

City of McKeesport, Pennsylvania Executive Summary The City of McKeesport, Pennsylvania is an entitlement community under the U.S. Department of Housing and Urban Development s (HUD) Community Development Block Grant Program (CDBG). In accordance with the Housing and Community Development Act of 1974, as amended, each entitlement community must affirmatively further fair housing. In order to affirmatively further fair housing, each entitlement community must conduct a Fair Housing Analysis which identifies any impediments to fair housing choice. The City of McKeesport prepared an Analysis of Impediments to Fair Housing Choice in 1992 and updates in 2001 and 2005. The City has prepared this 2010 Update to the Analysis of Impediments to Fair Housing Choice to bring the City into sequence with its FY 2010-2014 Five Year Consolidated Plan. This analysis focuses on the status and interaction of six (6) fundamental conditions within the community: The sale or rental of dwellings (public or private); The provision of housing brokerage services; The provision of financial assistance for dwellings; Public policies and actions affecting the approval of sites and other building requirements used in the approval process for the construction of publicly assisted housing; The administrative policies concerning community development and housing activities, which affect opportunities of minority households to select housing inside or outside areas of minority concentration; and Where there is a determination of unlawful segregation or other housing discrimination by a court or a finding of noncompliance by HUD regarding assisted housing in a recipient s jurisdiction, an analysis of the actions which could be taken by the recipient to remedy the discriminatory condition, including actions involving the expenditure of funds made available under 24 CFR Part 570. The Fair Housing Act prohibits discrimination against persons based on their race, color, religion, sex, national origin, disability, or familial status in the sale, rental, and financing of housing. This Analysis of Impediments seeks to identify any discrimination that may occur in the City of McKeesport which consequently could limit housing choice. The methodology employed to undertake this Analysis of Impediments included: Research - A review of the City s Zoning Ordinance, Comprehensive Plan, land use policies and procedures was undertaken Analysis of Impediments to Fair Housing Choice 2010 Update Page 2 of 70

City of McKeesport, Pennsylvania - Demographic data for the City was analyzed from the U.S. Census and the HUD-CHAS data and tables, and HMDA data - A review of the real estate and mortgage practices was undertaken Interviews & Meetings - Meetings and/or interviews were conducted with the McKeesport Housing Authority, community and social service/advocacy agencies for the disabled, housing providers, the Realtors Association of Metropolitan Pittsburgh, the Pittsburgh Commission on Human Relations, the Fair Housing Partnership of Greater Pittsburgh, and city staff members. - Surveys were sent to the McKeesport Housing Authority, community and social service agencies, banks, and the Realtors Association of Metropolitan Pittsburgh. Follow up phone calls were made when an organization neither returned a survey nor attended a meeting. Analysis of Data - Low- and moderate-income areas were identified - Concentrations of minority populations were identified - Fair housing awareness in the community was evaluated - Distribution of public and assisted housing units was analyzed - The location of CDBG expenditures throughout the City was analyzed Potential Impediments - Public sector policies that may be viewed as impediments were analyzed - Private sector policies that may be viewed as impediments were analyzed The City of McKeesport s 2010 Update to the City s Analysis of Impediments to Fair Housing Choice has identified the following impediments, as well as defined specific goals and strategies to address each impediment. IMPEDIMENT No. 1: FAIR HOUSING EDUCATION, ADVOCACY, MONITORING, AND ENFORCEMENT There is a need for increased awareness of an individual s rights under the Fair Housing Act and a need for continued monitoring and enforcement of the Fair Housing Act. Analysis of Impediments to Fair Housing Choice 2010 Update Page 3 of 70

City of McKeesport, Pennsylvania GOAL Increase awareness of tenant rights, landlord responsibilities, and work to eliminate any discriminatory practices in the sale or lease of houses through education, advocacy, monitoring, and enforcement, to provide fair housing opportunities to all individuals and families. The Strategies to meet this goal include: - 1-A: Fund and support public education, training, and programs concerning the rights and responsibilities covered by the Fair Housing Act. - 1-B: Evaluate the role of the McKeesport Human Relations Commission in developing, maintaining and supporting efficient and effective fair housing monitoring, education, and enforcement strategies. - 1-C: Support and promote the delivery of housing counseling programs and credit counseling for low-income and minority households. - 1-D: Support and promote the delivery of fair housing services to atrisk groups and victims of housing discrimination. - 1-E: Include fair housing information and contacts on the City website. - 1-F: Continue to raise awareness of fair housing through the creation of an educational brochure and proclaiming Fair Housing Month. IMPEDIMENT No. 2: CONCENTRATION OF LOW-INCOME AND MINORITY GROUPS There are concentrations of low-income and minority households in certain areas of the City. GOAL Promote new affordable housing choices outside areas of lowincome and minority concentration in order to lessen concentrations in impacted areas. The Strategies to meet this goal include: - 2-A: Increase the supply of affordable housing opportunities for lowincome and minority households outside of the areas of concentration. - 2-B: Support opportunities and financial incentives to develop mixedincome housing in areas with high concentration of low-income and minority households. - 2-C: Increase homeownership opportunities for low-income households by providing funds, or causing to provide, for housing counseling, credit counseling, and downpayment assistance. Analysis of Impediments to Fair Housing Choice 2010 Update Page 4 of 70

City of McKeesport, Pennsylvania IMPEDIMENT No. 3: HOUSING ACCESSIBILITY The supply of accessible, affordable housing that is decent, safe, and sound does not meet the demand, resulting in limited housing options for persons who are physically challenged. GOAL Increase the supply of decent, safe, and sound housing that is both affordable and accessible to low- and moderate-income households who are physically challenged and/or the frail elderly. The Strategies to meet this goal include: - 3-A: Provide financial and technical assistance for homeowners and landlords seeking to rehabilitate housing units to make accessibility improvements to their properties. - 3-B: Increase the number of accessible public housing units, particularly for the elderly. - 3-C: Support applications from non-profit agencies for Federal funds under the HUD Section 811 and 202 Supportive Housing Programs and state funds through PHFA to develop accessible, affordable housing for persons who are physically challenged and the elderly. - 3-D: Support educational programs to inform the public of the need for accessible housing in the City. IMPEDIMENT No. 4: PUBLIC POLICIES The City of McKeesport regulates land use through its Zoning Ordinance, Building Codes, and Code Enforcement program. Some of these policies are outdated and may be too restrictive as they are currently written. GOAL Update the City s policies and procedures to comply with the Fair Housing Act. The Strategies to meet this goal include: - 4-A: The City will review the City s Zoning Ordinance and update restrictive definitions. - 4-B: The City will ensure that the Zoning Ordinance is in accordance with, and makes reference to, the Fair Housing Act, the Americans with Disabilities Act, and other Federal and State laws. - 4-C: Review the City s Zoning Ordinance with regard to the location of shelters, supportive housing and transitional housing in various zoning districts. Analysis of Impediments to Fair Housing Choice 2010 Update Page 5 of 70

City of McKeesport, Pennsylvania IMPEDIMENT No. 5: PUBLIC TRANSPORTATION Public transportation within the City of McKeesport and between the City and other regional employment centers such as the City of Pittsburgh is limited and there is the threat of additional service cuts. GOAL To maintain current public transportation and advocate for increased service. The Strategies to meet this goal include: - 5-A: Educate the community on how to provide feedback to the Port Authority of Allegheny County to ensure that the Port Authority is aware of the transportation needs in the City of McKeesport. - 5-B: Support transportation services such as ACCESS so that elderly community members may continue to have reliable transportation services. - 5-C: Work with the Port Authority of Allegheny County to ensure that service routes meet the needs of McKeesport Residents. IMPEDIMENT No. 6: ECONOMIC OPPORTUNITIES There is a lack of economic opportunities and jobs in the City of McKeesport, making it difficult for low-income households to maintain or improve their living conditions. GOAL Increase job opportunities to increase household income, allowing for more housing choices. The Strategies to meet this goal include: - 6-A: Support the flyover to the McKeesport Industrial Park. - 6-B: Promote Entrepreneurship and small business development to provide economic opportunities to low-income persons. - 6-C: Support and enhance workforce development and job training to improve job skills for the unemployed and underemployed. Analysis of Impediments to Fair Housing Choice 2010 Update Page 6 of 70

City of McKeesport, Pennsylvania I. Introduction The City of McKeesport is an entitlement community under the U.S. Department of Housing and Urban Development s Community Development Block Grant Program. In accordance with the Housing and Community Development Act of 1974, as amended, each entitlement community must affirmatively further fair housing. In order to affirmatively further fair housing the community must conduct a Fair Housing Analysis which identifies any impediments to fair housing choice. HUD defines fair housing choice as: The ability of persons, regardless of race, color, religion, sex, national origin, familial status, or handicap, of similar income levels to have available to them the same housing choices. The Fair Housing Analysis consists of the following six (6) conditions: The sale or rental of dwellings (public or private); The provision of housing brokerage services; The provision of financial assistance for dwellings; Public policies and actions affecting the approval of sites and other building requirements used in the approval process for the construction of publicly assisted housing; The administrative policies concerning community development and housing activities, which affect opportunities of minority households to select housing inside or outside areas of minority concentration; and Where there is a determination of unlawful segregation or other housing discrimination by a court or a finding of noncompliance by HUD regarding assisted housing in a recipient s jurisdiction, an analysis of the actions which could be taken by the recipient to remedy the discriminatory condition, including actions involving the expenditure of funds made available under 24 CFR Part 570. The City of McKeesport prepared an Analysis of Impediments to Fair Housing Choice in May 2005 and has prepared this 2010 Update to the City s Analysis of Impediments to Fair Housing Choice. This 2010 Update will outline progress that has been made since the previous Analysis of Impediments in May 2005, explore the continuation of these impediments where necessary, and identify any new impediments to fair housing choice. Furthermore, this Analysis of Impediments will bring the City into the same time sequence as the City s FY 2010-2014 Five Year Consolidated Plan. The document is designed to act as a planning tool, providing the City of McKeesport with the necessary framework to strategically reduce the identified impediments to fair housing choice over the next five (5) years. Analysis of Impediments to Fair Housing Choice 2010 Update Page 7 of 70

City of McKeesport, Pennsylvania II. Background Data In order to perform an analysis of fair housing in the City of McKeesport, the demographic and socio-economic characteristics of the City were evaluated as a basis for determining and identifying any existing impediments to fair housing choice. The City of McKeesport has a rich history as a port at the confluence of the Monongahela and Youghiogheny Rivers settled in 1795 by John McKee. McKeesport became a booming steel town and at its peak, the City was home to approximately 55,000 residents in 1940. Until the 1980 s, McKeesport was an industrial city like many formidable manufacturing areas in the Mon Valley. Much like many other industrial cities, the City of McKeesport has suffered from a decreasing number of available jobs and a shrinking population resulting from declining industry. McKeesport is also the home of the original G.C. Murphy Variety Store. Based on the size of the City of McKeesport, the information from the 2000 U.S. Census is the most recently complete set of data available. However, the 2006-2008 American Community Survey offers recent estimations of general demographics of the City of McKeesport. This Census data, along with other databases such as the CHAS Data, have been used to evaluate the City of McKeesport s demographic and socio-economic characteristics, as well as other conditions affecting fair housing choice. Appendix A of this report contains extensive demographic data that is summarized and/or illustrated in the following sections. A. Population and Race: At the time of the 1990 Census, the City of McKeesport had a population of 26,016. The total population for the City of McKeesport at the time of the 2000 census was 24,040. The U.S. Census Bureau estimates that the City of McKeesport s total population in 2009 was 22,076. The City saw a population decrease of 1,976 people between 1990 and 2000, or a decrease of 7.6%. Between 2000 and 2009, the City had an estimated population loss of 1,964 people, or a decrease of 8.2%. Since 1990, the City has had a population loss of more than 15%. Table II-1 below illustrates that White alone (72.4%) was the largest racial cohort and Black or African American alone (24.5%) was the largest minority cohort. All other races, and persons of two or more races, comprised only 3.1% of the population. Table II-1 Race Statistics Items No. of Persons Percentage Total 24,040 100% One race 23,526 97.9% White alone 17,406 72.4% Analysis of Impediments to Fair Housing Choice 2010 Update Page 8 of 70

City of McKeesport, Pennsylvania Black or African American alone 5,881 24.5% American Indian and Alaska Native alone 66 0.3% Asian alone 30 0.1% Native Hawaiian and Other Pacific Islander alone 2 0.0% Some other race alone 141 0.6% Two or more races 514 2.1% Source: 2000 U.S. Census Data The City of McKeesport s total percentage of minority population (non-white alone) was 27.6% in 2000. This was an increase from the 1990 U.S. Census when the City of McKeesport had a minority population of 18.1%. The 2006-2008 American Community Survey estimates that the minority population in the City of McKeesport has continued to increase to approximately 30.8%. Census Tracts 5513, 5524, and a portion of Census Tracts 5512, 5519, and 5522 have the greatest percentage of white population in the City of McKeesport. The center of the city, particularly along the rivers, has the lowest percentage of white population. On the other hand, the center portion of the City has the highest concentration of minority population. Included at the end of this section are maps that illustrate the total population by block group, the percentage of the population by block group that is white, and the percentage of the population by block group that is a minority. White Population Minority Population Chart II-1 below illustrates age distribution within the City at the time of the 2000 U.S. Census. Children under five years of age represented 6.9% of the population; 27.7% of the City s population was under 20 years of age; and 20.9% was 65 years of age or older. Analysis of Impediments to Fair Housing Choice 2010 Update Page 9 of 70

City of McKeesport, Pennsylvania Chart II-1 Age of Population Source: 2000 U.S. Census Data The median age in the City of McKeesport at the time of the 2000 U.S. Census was 39.7 years. The median age in Allegheny County was similar at 39.6 years, and the median age in the Commonwealth of Pennsylvania was 38 years. The Census Bureau estimated during the 2006-2008 American Community Survey that the median age in the City of McKeesport decreased slightly to 38.8 years. During this same period, it is estimated that the median age in Allegheny County and the Commonwealth increased to 41.8 years and 39.7 years, respectively. At the end of this section is a map highlighting the percentage of the population in the City of McKeesport that is over the age of 65. Census Tract 5521, Block Group 2 has the highest population over the age of 65, as a percentage of the total population of that Block Group. Note: This Block Group also has 38% of its residents who are white, and 62% of its residents who are minority. Analysis of Impediments to Fair Housing Choice 2010 Update Page 10 of 70

City of McKeesport, Pennsylvania B. Households: Household Tenure According to the U.S. Census for 2000, there were 9,655 households in the City of McKeesport. Of these households, 60% were owner occupied and 40% were renter occupied. The 2006-2008 American Community Survey estimates that the percentage of owner-occupied units had decreased to 54.6% and the percentage of renter-occupied units had increased to 45.4%. In 2000, the average size of the owner-occupied households was 2.42 persons and the average renter household was 2.25 persons. Chart II-2 illustrates household size breakdown for owner and renter households. Source: 2000 U.S. Census Chart II-2 Household Tenure by Size Included in this section is a map of the total number of housing units by block group in the City of McKeesport. Also, there are two maps illustrating the distribution of renter and homeowner occupied housing units across the City at the time of the 2000 U.S. Census. The areas in the City with the highest rates of renter-occupied housing also have the greatest percentage of minority population. The Block Groups along the rivers and in the center of the City have the greatest portion of renter-occupied housing. Census Tract 5519 Block Group 2, Census Tract 5521 Block Owner Occupied Housing Analysis of Impediments to Fair Housing Choice 2010 Update Page 11 of 70

City of McKeesport, Pennsylvania Group 2, and Census Tract 5512 Block Group 1 have the highest percentage of renter-occupied housing. Similarly, the block groups that have the highest homeownership rates also have the greatest white populations. The greatest percentage of owner-occupied housing in the City of McKeesport can be found in the southeastern portion of the City, particularly Census Tract 5513, Census Tract 5524 Block Groups 1 and 2, Census Tract 5520 Block Group 3, and Census Tract 5512 Block Group 2. Renter Occupied Housing Table II-2 compares homeowners and renters by race. This table shows that White households represent the largest percentage of homeownership (91.8%) with Black or African American households comprising only 6.5% of the total homeowners. Table II-2 Household Tenure by Race 2000 U.S. Census 2006-2008 American Community Survey Cohort Owner Renter Owner Renter (60%) (40%) (54.6%) (45.4%) Householder who is White alone 5,011 2,366 3,742 2,008 Householder who is Black or African American alone 730 1,378 771 1,699 Householder who is American Indian and Alaska Native alone 8 15 - - Householder who is Asian alone 3 14 - - Householder who is Native Hawaiian and Other Pacific Islander alone 0 1 - - Householder who is some other race alone 16 18 - - Householder who is two or more races 25 70 - - Of the total number of White households at the time of the 2000 U.S. Census, 68% are homeowners and 32% are renters. In comparison, of all Black and African American households, 34.6% are homeowners and 65.4% are renters. The Census Bureau also estimates household tenure by race as part of the 2006-2008 American Community Survey. The Census Bureau estimates that the City has experienced a further decrease in homeownership city-wide: for White only households, approximately 65% are estimated to be homeowners, and 35% are estimated to be renters; of households that are Black or African American alone, approximately 31% are estimated to be homeowners and an estimated 69% are renters. While the 2006-2008 American Community Survey, the U.S. Census Bureau estimates that the number of renter- Analysis of Impediments to Fair Housing Choice 2010 Update Page 12 of 70

City of McKeesport, Pennsylvania occupied households is increasing and the number of owner-occupied households is decreasing on a citywide level, the disaggregated data by race shows slightly different trends. It is estimated that there has been a decrease in both the number of White householders who are homeowners and renters. The Census Bureau estimates an increase in Black or African American households who are renters and homeowners. HUD Assisted Housing Overall, Low Income Housing Tax Credit (LIHTC) projects and other HUD assisted housing developments are located in the areas of the City with the highest renteroccupied housing the areas nearest to the downtown area. Section 8 Voucher use is distributed throughout the areas of the City with the greatest rental populations, with the fewest Section 8 Vouchers being used in the block groups with the lowest income levels. Residents of these developments and households with Section 8 Vouchers have easier access to City services and public transportation from these areas of the City, potentially explaining their location. Maps highlighting the LIHTC locations, HUD Assisted Housing locations, and Section 8 Voucher use across the City can be found at the end of this section. Families In 2000, families comprised 61.9% of households in the City; 28.6% of which included children less than 18 years of age. At the time of the 2006-2008 American Community Survey, it was estimate that the number of percentage of families decreased to 52.1% of all households in the City, with 26.4% having children under the age of eighteen. Twenty-one percent (21.0%) of families were female-headed households at the time of the 2000 U.S. Census. Chart II-3 illustrates characteristics of the 1,762 female-headed households in McKeesport at the time of the 2000 U.S. Census. Chart II-3 Female-Headed Households Analysis of Impediments to Fair Housing Choice 2010 Update Page 13 of 70

City of McKeesport, Pennsylvania Of the female-headed households in the City of McKeesport at the time of the 2000 U.S. Census, approximately one third (37%) have related children under the age of 18. The 2006-2008 American Community Survey estimates that the portion of households that are female-headed households increased to 39.8% since the 2000 Census. Of these households, an estimated 47.2% have children under the age of 18 years old. Analysis of Impediments to Fair Housing Choice 2010 Update Page 14 of 70

City of McKeesport, Pennsylvania C. Income and Poverty: The 2000 Census reported that the per capita income in the City was $13,242 in 1999. The median household income for the City of McKeesport was $23,715, compared to $38,329 for Allegheny County, and $40,106 for the Commonwealth of Pennsylvania. Table II-3 highlights an overview of household income in 1999. Table II-3 Household Income in 1999 Items Number of Households Percentage Total Households 9,634 - Less than $10,000 1,921 19.9% $10,000 to $14,999 966 10.0% $15,000 to $24,999 2,151 22.3% $25,000 to $34,999 1,401 14.5% $35,000 to $49,999 1,396 14.5% $50,000 to $74,999 1,218 12.6% $75,000 to $99,999 413 4.3% $100,000 to $149,999 114 1.2% $150,000 to $199,999 39 0.4% $200,000 or more 15 0.2% Household Income $23,715 Source: 2000 U.S. Census Data According to the 2006-2008 American Community Survey, the Household Income in 2008 dollars increased to $25,005, meaning that 50% of households earn less than $25,005 each year. Allegheny County and the Commonwealth of Pennsylvania saw greater increases in Household Income to $47,851 and $50,272 respectively. Table II-4 below identifies the Section 8 Income Limits in the Pittsburgh, PA HUD Metro Fair Market Rent Area based on household size for FY 2010. Analysis of Impediments to Fair Housing Choice 2010 Update Page 15 of 70

City of McKeesport, Pennsylvania Table II-4 Section 8 Income Limits for 2010 Income Category 1 Person 2 Persons 3 Persons 4 Persons 5 Persons 6 Persons 7 Persons 8 Persons Extremely Low (30%) Income Limits Very Low (50%) Income Limits $13,250 $15,150 $17,050 $18,900 $20,450 $21,950 $23,450 $24,950 $22,050 $25,200 $28,350 $31,500 $34,050 $36,550 $39,100 $41,600 Low (80%) Income Limits $35,300 $40,350 $45,400 $50,400 $54,450 $58,500 $62,500 $66,550 Data obtained from www.hud.gov Note: The Family Household Income for a family of 4 living in the Pittsburgh HUD Metro Fair Market Rent Area is $63,000, compared to $25,005 for the City of McKeesport. Table II-5 below highlights the current low- and moderate-income population in the City of McKeesport. The block groups that have a population of more than 51% low- and moderate-income are indicated in bold. Table II-5 Low- and Moderate-Income Population in 2010 TRACT BLKGRP POP100 HU100 LOWMOD LOWMODUNIV LOWMODPCT 550900 1 1,044 494 639 928 68.9% 550900 2 1,586 704 929 1,437 64.6% 551200 1 1,668 772 1,456 1,605 90.7% 551200 2 1,336 598 624 1,245 50.1% 551200 3 1,390 655 768 1,380 55.7% 551300 1 1,158 485 675 1,084 62.3% 551300 2 1,625 728 565 1,576 35.9% 551900 1 846 377 523 832 62.9% 551900 2 943 569 610 670 91.0% 552000 1 724 331 562 777 72.3% 552000 2 776 354 395 795 49.7% 552000 3 618 270 343 625 54.9% 552000 4 933 394 373 855 43.6% 552100 1 776 388 535 584 91.6% 552100 2 813 251 377 520 72.5% 552200 1 1,435 693 879 1,332 66.0% Analysis of Impediments to Fair Housing Choice 2010 Update Page 16 of 70

City of McKeesport, Pennsylvania 552300 1 1,021 489 664 1,068 62.2% 552300 2 564 297 436 568 76.8% 552300 3 779 331 441 789 55.9% 552300 4 713 336 564 745 75.7% 552400 1 723 331 324 692 46.8% 552400 2 1,050 506 487 1021 47.7% 552400 3 1,519 771 755 1,577 47.9% City of McKeesport Total: 24,040 11,124 13,924 22,705 61.3% Source: hud.gov Approximately sixty-one percent (61.3%) of residents of the City of McKeesport are considered low- to moderate-income. The low- and moderate-income map for the City McKeesport is included at the end of this section. The areas of the City with the lowest income are those in the center of the City and along the rivers. The City s poverty statistics for families with children are significant. At the time of the 2000 U.S. Census, the percentage of some families with children living below the poverty level was as outlined in Table II-6 below. Table II-6 Percentage of Families with Children Living Below the Poverty Level Families with Related Children Under the Age of 18 Families with Related Children Under the Age of 5 Female-headed Households with Related Children Under the Age of 18 2000 U.S. Census 2006-2008 American Community Survey 29.6% 40.3% 35.4% 40.4% 48.9% 47.2% Female-headed Households with Related Children Under the Age of 5 53.5% 51.1% Source: 2000 U.S. Census Data It is important to note that while the American Community Survey only presents an estimate, it is expected that the percentage of families with children living under the poverty level has increased since the previous Census. Analysis of Impediments to Fair Housing Choice 2010 Update Page 17 of 70

City of McKeesport, Pennsylvania D. Employment: In 2000, 52.3% of the City s residents 16 years of age and over were considered a part of the labor force. The 2006-2008 American Community Survey estimates that approximately 51.2% of the population is currently in the labor force. Chart II-4 and Chart II-5 below illustrate the classes of workers and the occupations. Most workers in McKeesport hold service, management, and sales positions. Chart II-4 McKeesport Occupations Source: 2000 U.S. Census Data Chart II-5 Class of Workers in McKeesport Source: 2000 U.S. Census Data Analysis of Impediments to Fair Housing Choice 2010 Update Page 18 of 70

City of McKeesport, Pennsylvania Chart II-6 illustrates the unemployment rate trends for the City of McKeesport from January 2000 through May 2010 from the Bureau of Labor (www.bls.gov). Chart II-6 City of McKeesport Unemployment Rate Source: http://data.bls.gov The City of McKeesport has experienced a fluctuating unemployment rate, but the overall trend is an increasing unemployment rate since early 2008. In August 2010, the City of McKeesport s unemployment rate of 12.2% exceeded that of Allegheny County (8.1%), the Commonwealth of Pennsylvania (9.2%), and the national average (9.6%). Analysis of Impediments to Fair Housing Choice 2010 Update Page 19 of 70

City of McKeesport, Pennsylvania E. Housing Profile: Based on the 2000 Census Data, the City of McKeesport s housing stock can be considered older since 49.2%, or almost fifty percent of it was constructed prior to 1939 and another 33.6% was constructed between 1940 and 1959. Therefore, over three quarters of the City s housing stock (82.8%) was built prior to 1960 which is now 50 years ago. Chart II-7 illustrates the year that housing structures were built in the City of McKeesport based on the 2000 U.S. Census Data. Chart II-7 Year Structure Built Source: 2000 U.S. Census Data In 2000, the City s housing stock primarily consisted of single-family detached (67.8/%) and single-family attached (4.0%). In 2000, multi-family units in the City of McKeesport consisted of two units (7.7%), three to four units (5.4%), five to nine units (4.6%), ten to nineteen units (4.3%) and twenty units or more (6.0%). Mobile homes made up 0.2% of the housing stock. The median value of owner-occupied homes in the City of McKeesport in 2000 was $37,800 compared to $84,200 for Allegheny County and $97,000 for the Commonwealth of Pennsylvania. The 2006-2008 American Community Survey estimates that the median value of owner-occupied homes in the City of McKeesport has increased to approximately $46,000 (122% of median value in 2000), as compared to $112,800 (134% of median value in 2000) in Allegheny County and $155,400 (160% of median value in 2000) in the Commonwealth of Pennsylvania. The Pittsburgh Metro Area has seen an overall decrease in the number of housing starts over the last seven (7) years. Table II-7 outlines the number of new construction projects annually in the Pittsburgh Metro Area from 2003 through 2009. In 2006, the area saw an increase in the construction of multi-family units as well as residential buildings containing five or more units. Analysis of Impediments to Fair Housing Choice 2010 Update Page 20 of 70

City of McKeesport, Pennsylvania Table II-7 Annual Housing Starts Total Single Family Multi- Family 5+ Units 2003 6,513 5,292 1,221 754 2004 6,856 5,548 1,308 872 2005 5,601 4,672 929 623 2006 5,633 4,367 1,266 1,025 2007 4,680 3,844 836 551 2008 3,774 3,383 391 280 2009 3,033 2,681 352 231 Source: http://socds.huduser.org/permits/summary.odb From 2006-2010, there were 102 residential building permits issued in the City of McKeesport. Analysis of Impediments to Fair Housing Choice 2010 Update Page 21 of 70

City of McKeesport, Pennsylvania F. Financing: Owner Costs The median mortgage expense in the City of McKeesport for 2000 was $682. Table II-8 illustrates mortgage status and selected monthly owner costs. Almost half (49.4%) of all owner-occupied houses in McKeesport do not have mortgages. The chart below outlines the monthly owner costs of owner-occupied housing units in the City of McKeesport at the time of the 2000 U.S. Census. Table II-8 Mortgage Status and Selected Monthly Owner Costs Number of Monthly Owner Cost Percentage Housing Units Houses with a mortgage 2,740 50.6% Less than $300 36 0.7% $300 to $499 508 9.4% $500 to $699 905 16.7% $700 to $999 882 16.3% $1,000 to $1,499 347 6.4% $1,500 to $1,999 37 0.7% $2,000 or more 25 0.5% $682 --- Houses without a mortgage 2,677 49.4% $288 --- Source: 2000 U.S. Census Data Monthly housing costs of 23.9% of owner-occupied households exceeded 30% of their monthly income in 2000, indicating a relatively high percentage of owners whose housing is not considered affordable. The 2006-2008 American Community Survey estimates that this value has increased to approximately 30.3% of all owner-occupied households whose housing costs exceed 30% of their monthly income. Table II-9 illustrates housing costs for owner-households. Table II-9 Selected Monthly Owner Costs as a Percentage of Household Income (1999) Owner Costs as a % of Income Number of Housing Units Percentage Less than 15 percent 2173 40.1% 15 to 19 percent 887 16.4% 20 to 24 percent 540 10.0% 25 to 29 percent 447 8.3% 30 to 34 percent 253 4.7% 35 percent or more 1041 19.2% Analysis of Impediments to Fair Housing Choice 2010 Update Page 22 of 70

City of McKeesport, Pennsylvania Not computed 76 1.4% Source: 2000 U.S. Census Data As of November 2010, RealtyTrac indicated that the City of McKeesport experienced the greatest decrease in home sales prices over the previous two calendar quarters as compared to other communities in the area. McKeesport homes saw a 35.78% decrease in the average sales price of homes, bringing the average price down to $46,428. Home Sales In December 2010, the Pittsburgh Post-Gazette published an article titled Buying Here: Duquesne. This article included an overview of the home sales in Duquesne and ten other neighboring communities in 2009 and 2010. The Post-Gazette ran a similar article in March 2010 titled Buying Here: McKeesport that reviewed home sales data in 2008 and 2009. Table II-10 below includes the home sales data for these eleven communities from 2008 through 2010. This data was obtained from RealSTATs. Table II-10 Home Sales Data 2008 2009 2010 Community Highest Highest Highest Sales Sales Sales Price Price Price Price Price Price Duquesne 106 $14,500 $85,000 86 $12,000 $85,500 57 $14,129 $68,000 East McKeesport 35 $35,900 $112,900 14 $73,500 $110,000 31 $31,000 $106,900 East Pittsburgh 43 $15,100 $80,000 30 $13,000 $138,085 24 $15,100 $87,000 McKeesport 339 $15,500 $158,000 284 $15,750 $199,000 236 $13,000 $190,000 North Versailles 126 $65,000 $190,000 110 $60,000 $252,000 124 $62,000 $239,000 Trafford 55 $123,500 $293,475 66 $121,900 $301,425 67 $90,000 $295,000 Turtle Creek 62 $26,500 $103,900 59 $24,900 $134,305 56 $16,500 $131,510 Versailles 14 $25,000 $85,000 13 $22,000 $117,500 26 $47,000 $109,000 Wall 5 $20,000 $56,000 10 $29,000 $69,000 12 $9,000 $60,000 White Oak 102 $89,700 $275,000 71 $78,000 $185,000 92 $86,000 $185,500 Wilmerding 19 $29,625 $79,000 22 $25,000 $86,900 22 $18,000 $89,900 Source: www.post-gazette.com The home sales data for the City of McKeesport is shaded in light blue. Over the last three years, the City of McKeesport has seen a decline in the number of sales and an overall decline in the median sales price. In 2010, the only community in this grouping to have a lower median sales price than the City of McKeesport was the Borough of Wall. Analysis of Impediments to Fair Housing Choice 2010 Update Page 23 of 70

City of McKeesport, Pennsylvania Foreclosures As part of the Neighborhood Stabilization Program (NSP) in 2008, HUD Risk Scores were developed using Average Income below 120%, change in average home sale price, vacancy rate, unemployment rate, population density, and a predicated foreclosure rate. Of the 130 cities, boroughs, and municipalities in Allegheny County, the City of McKeesport was one of eighteen (18) local jurisdictions that had a HUD Risk Score of 10, indicating the greatest risk of foreclosure. Table II-11 below highlights the HUD Risk Scores for each Census Tract and Block Group in the City of McKeesport. Table II-11 HUD Foreclosure Risk Score by Block Group Census Tract Block Group HUD Risk Score 5509 1 10 5509 2 10 5512 1 10 5512 2 10 5512 3 10 5513 1 9 5513 2 9 5519 1 10 5519 2 10 5520 1 10 5520 2 10 5520 3 10 5520 4 10 5521 1 10 5521 2 10 5522 1 10 5523 1 10 5523 2 10 5523 3 10 5523 4 10 5524 1 10 5524 2 10 5524 3 10 The map below highlights the areas of Allegheny County with the greatest risk of foreclosure and abandonment according to the HUD Risk Score. Communities like the City of McKeesport with the greatest risk of foreclosure are orange and red in color, and are predominately located in the southeastern portion of the County. Analysis of Impediments to Fair Housing Choice 2010 Update Page 24 of 70

City of McKeesport, Pennsylvania According to RealtyTrac, the City of McKeesport had 15 homes in foreclosure, a foreclosure rate of 1 in 825 housing units (or 0.12%) in October 2010. This foreclosure rate of 0.12% was the same as the rate in Allegheny County, and close to Pennsylvania s rate of 0.11%. This foreclosure rate is below the national foreclosure rate of 0.26%. Chart II-8 below illustrates the foreclosures in the City of McKeesport since November 2009. Analysis of Impediments to Fair Housing Choice 2010 Update Page 25 of 70

City of McKeesport, Pennsylvania Chart II-8 Number of Foreclosures Source: www.realtytrac.com When reporting foreclosure trends for McKeesport, PA, RealtyTrac includes surrounding zip codes 15131, 15133, and 15135. As a result, the chart above includes foreclosures for these additional zip codes, as well as the City. The McKeesport area had the greatest number of foreclosures in April 2010 when forty-eight (48) homes received foreclosure notices. City staff interviewed for the Analysis of Impediments to Fair Housing Choice indicated that abandonment of houses is a notable problem in the City. The City is unable to accurately quantify the number of houses that have been abandoned in recent years. Renter Costs The median monthly rent in 2000 was $383; and $522 during the 2006-2008 American Community Survey. Table II-12 illustrates rental rates within the City at the time of the 2000 U.S. Census and the 2006-2008 American Community Survey. Rental Rates Table II-12 Gross Monthly Rent 2000 U.S. Census Number of Housing Units Percentage 2006-2008 American Community Survey Number of Housing Units Percentage Less than $200 789 20.4% 258 7.3% $200 to $299 449 11.6% 455 12.8% $300 to $499 1,300 33.7% 915 25.7% $500 to $749 956 24.8% 1,018 28.6% $750 to $999 134 3.5% 684 19.2% Analysis of Impediments to Fair Housing Choice 2010 Update Page 26 of 70

City of McKeesport, Pennsylvania $1,000 to $1,499 31 0.8% 228 6.4% $1,500 or more 0 0.0% 0 0.0% No cash rent 203 5.3% --- --- $383 --- $522 --- Source: 2000 U.S. Census Data and 2006-2008 American Community Survey The monthly housing costs for 38.4% of all renter-occupied households exceeded 30% of monthly income in 2000, indicating an even higher percentage of renters than owners whose housing is not considered affordable. The Census Bureau predicts that the percentage of households for which rent exceeds 30% of their income has grown to an estimated 55.3%. Table II-13 illustrates the housing cost for renter-households in 1999 and at the time of the 2006-2008 American Community Survey. Rental Cost as a % of Income Less than 15 percent Table II-13 Gross Rent as a Percentage of Household Income 2006-2008 American 2000 U.S. Census Community Survey Number of Housing Units Percentage Number of Housing Units Percentage 653 16.9% 338 9.7% 15 to 19 percent 481 12.5% 357 10.3% 20 to 24 percent 420 10.9% 416 12.0% 25 to 29 percent 477 12.4% 440 12.7% 30 to 34 percent 355 9.2% 279 8.0% 35 percent or more 1128 29.2% 1640 47.3% Not computed 348 9.0% 328 --- Source: 2000 U.S. Census Data and 2006-2008 American Community Survey The table above shows an increase of 18% from the 2000 Census to the 2006-2008 American Community Survey in the number of households spending 35% or more of their income on rent. The 2010 Fair Market Rents for the Pittsburgh, PA HUD Metro Fair Market Rent Area are shown in Table II-14 below. Final FY2010 FMR Table II-14 Final FY 2010 FMRs by Unit Bedrooms Efficiency One- Bedroom Two- Bedroom Three- Bedroom Four- Bedroom $556 $610 $730 $907 $980 Source: www.hud.gov Analysis of Impediments to Fair Housing Choice 2010 Update Page 27 of 70

City of McKeesport, Pennsylvania G. Household Types: Based on the HUD Comprehensive Housing Affordability Strategy (CHAS) data in Appendix C, the following statistics were found based on Low/Mod Income (LMI) housing types: Total number of renter households with incomes less than 30% of median family income is 1,579. - 28.9% are elderly (1 & 2 persons), 457 households - 32.6% are small families (2 to 4 persons), 515 households - 7.9% are large families (5 or more persons), 124 households - 30.6% are other renter households, 483 households Total number of renter households with incomes greater than 30% but less than 50% of median family income is 721. - 29.5% are elderly (1 & 2 persons), 213 households - 42.2% are small families (2 to 4 persons), 304 households - 6.1% are large families (5 or more persons), 44 households - 22.2% are other renter households, 160 households Total number of renter households with incomes greater than 50% but less than 80% of median family income is 814. - 11.5% are elderly (1 & 2 persons), 94 households - 42.4% are small families (2 to 4 persons), 345 households - 11.7% are large families (5 or more persons), 95 households - 34.4% are other renter households, 280 households Total number of owner households with incomes less than 30% of median family income is 600. - 43.7% are elderly (1 & 2 persons), 262 households - 25.8% are small families (2 to 4 persons), 155 households - 4.8% are large families (5 or more persons), 29 households - 25.7% are other owner households, 154 households Total number of owner households with incomes greater than 30% but less than 50% of median family income is 916. - 57.2% are elderly (1 & 2 persons), 524 households - 18.4% are small families (2 to 4 persons), 169 households Analysis of Impediments to Fair Housing Choice 2010 Update Page 28 of 70

City of McKeesport, Pennsylvania - 11.5% are large families (5 or more persons), 105 households - 12.9% are other owner households, 118 households Total number of owner households with incomes greater than 50% but less than 80% of median family income is 1,412. - 50.9% are elderly (1 & 2 persons), 719 households - 27.9% are small families (2 to 4 persons), 395 households - 6.7% are large families (5 or more persons), 93 households - 14.5% are other owner households, 205 households Note: Small families comprise a large portion of both owner and renter households, while elderly households make up the greatest portion of owner-occupied households. The elderly and the small families seem to have the greatest need of financial support for housing in the City of McKeesport. Analysis of Impediments to Fair Housing Choice 2010 Update Page 29 of 70

City of McKeesport, Pennsylvania H. Cost Overburden: Based on the HUD Comprehensive Housing Affordability Strategy (CHAS) data found in Appendix C the following statistics were identified for Low/Mod Income (LMI) households that are cost overburdened: Total percentage of all renter households with incomes less than 30% of median family income that are cost overburdened by greater than 30% of income is 59.6%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category. - 57.8% of elderly (1 & 2 persons), 264 households - 65.0% of small families (2 to 4 persons), 335 households - 87.9% of large families (5 or more persons), 109 households - 48.2% of other renter households, 233 households Total percentage of all renter households with incomes less than 30% of median family income that are cost overburdened by greater than 50% of income is 40.5%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category. - 29.5% of elderly (1 & 2 persons), 135 households - 43.7% of small families (2 to 4 persons), 225 households - 75.8% of large families (5 or more persons), 94 households - 38.3% of other renter households, 185 households Total percentage of all renter households with incomes greater than 30% but less than 50% of median family income that are cost overburdened by greater than 30% is 46.0%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category. - 36.6% of elderly (1 & 2 persons), 78 households - 53.9% of small families (2 to 4 persons), 164 households - 34.1% of large families (5 or more persons), 15 households - 46.9% of other renter households, 75 households Total percentage of all renter households with incomes greater than 30% but less than 50% of median family income that are cost overburdened by greater than 50% is 9.6%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category. - 6.6% of elderly (1 & 2 persons), 14 households - 11.5% of small families (2 to 4 persons), 35 households - 0.0% of large families (5 or more persons), 0 households Analysis of Impediments to Fair Housing Choice 2010 Update Page 30 of 70

City of McKeesport, Pennsylvania - 12.5% of other renter households, 20 households Total percentage of all owner households with incomes less than 30% of median family income that are cost overburdened by greater than 30% of income is 70.8%. Below is the percentage of owner households in each household type category that are cost overburdened in this income category. - 65.6% of elderly (1 & 2 persons), 172 households - 74.2% of small families (2 to 4 persons), 115 households - 100% of large families (5 or more persons), 29 households - 70.8% of other owner households, 109 households Total percentage of all owner households with incomes less than 30% of median family income that are cost overburdened by greater than 50% of income is 55.3%. Below is the percentage of owner households in each household type category that are cost overburdened. - 43.1% of elderly (1 & 2 persons), 113 households - 67.7% of small families (2 to 4 persons), 105 households - 100% of large families (5 or more persons), 29 households - 55.2% of other owner households, 85 households Total percentage of all owner households with incomes greater than 30% but less than or equal to 50% of median family income that are cost overburdened by greater than 30% is 39.0%. Below is the percentage of owner households in each household type category that are cost overburdened. - 34.4% of elderly (1 & 2 persons), 180 households - 46.7% of small families (2 to 4 persons), 79 households - 38.1% of large families (5 or more persons), 40 households - 49.2% of other owner households, 58 households Total percentage of all owner households with incomes greater than 30% but less than or equal to 50% of median family income that are cost overburdened by greater than 50% of income is 13.5%. Below is the percentage of owner households in each household type category that are cost overburdened. - 11.5% of elderly (1 & 2 persons), 60 households - 17.2% of small families (2 to 4 persons), 29 households - 0.0% of large families (5 or more persons), 0 households - 29.7% of other owner households, 35 households Analysis of Impediments to Fair Housing Choice 2010 Update Page 31 of 70

City of McKeesport, Pennsylvania Note: Almost sixty percent (59.6%) of rental households with income less than 30% of median family income are cost overburdened by more than 30% of their income. This indicates a need for financial assistance for low-income rental units. Similarly, over seventy percent (70.8%) of homeowners with a household income that is less than 30% of median family income are cost overburdened by more than 30% of their income. In this same income category, 55.3% of homeowners are cost overburdened by more than 50%. Elderly households, and large and small families, both owners and renters, are the most cost-overburdened households. Analysis of Impediments to Fair Housing Choice 2010 Update Page 32 of 70

City of McKeesport, Pennsylvania I. Housing Problems: Based on the HUD Comprehensive Housing Affordability Strategy (CHAS) data found in Appendix C, the following statistics were based on Low/Mod Income (LMI) housing types: Total percentage of renter households with incomes less than 30% of median family income that have a housing problem is 60.5%. Below is the percentage of renter households in each household type category that have a housing problem in this income category. - 58.6% of elderly (1 & 2 persons), 268 households - 65.0% of small families (2 to 4 persons), 335 households - 87.9% of large families (5 or more persons), 109 households - 50.3% of other renter households, 243 households Total percentage of renter households with incomes greater than 30% but less than 50% of median family income that have a housing problem is 50.1%. Below is the percentage of renter households in each household type category that have a housing problem in this income category. - 36.6% of elderly (1 & 2 persons), 78 households - 53.9% of small families (2 to 4 persons), 164 households - 100% of large families (5 or more persons), 44 households - 46.9% of other renter households, 75 households Total percentage of renter households with incomes greater than 50% but less than 80% of median family income that have a housing problem is 16.5%. Below is the percentage of renter households in each household type category that have a housing problem in this income category. - 4.3% of elderly (1 & 2 persons), 4 households - 15.9% of small families (2 to 4 persons), 55 households - 47.4% of large families (5 or more persons), 45 households - 10.7% of other renter households, 30 households Total percentage of owner households with incomes less than 30% of median family income that have a housing problem is 70.8%. Below is the percentage of owner households in each household type category that have a housing problem in this income category. - 65.6% of elderly (1 & 2 persons), 172 households - 74.2% of small families (2 to 4 persons), 115 households Analysis of Impediments to Fair Housing Choice 2010 Update Page 33 of 70

City of McKeesport, Pennsylvania - 100% of large families (5 or more persons), 29 households - 70.8% of other owner households, 109 households Total percentage of owner households with incomes greater than 30% but less than 50% of median family income that have a housing problem is 39.0%. Below is the percentage of owner households in each household type category that have a housing problem in this income category. - 34.4% of elderly (1 & 2 persons), 180 households - 46.7% of small families (2 to 4 persons), 79 households - 38.1% of large families (5 or more persons), 40 households - 49.2% of other owner households, 58 households Total percentage of owner households with incomes greater than 50% but less than 80% of median family income that have a housing problem is 27.8%. Below is the percentage of owner households in each household type category that have a housing problem in this income category. - 16.6% of elderly (1 & 2 persons), 119 households - 34.2% of small families (2 to 4 persons), 135 households - 40.9% of large families (5 or more persons), 38 households - 48.8% of other owner households, 100 households Note: Both renter and owner households with income less than 50% of median family income have high instances of housing problems (50.1% to 60.5% of renters, 39.0% to 70.8% of owners). Owner households with income less than 30% of median family income show the greatest instances of housing problems. Small and large families, as well as other households, seem to show the greatest rates of housing problems, but all household categories demonstrate a need for housing financial support. The website www.dataplace.org provides an overview of data for communities across the country. Table II-15 below highlights important data to further illustrate the problem housing in the City of McKeesport. Table II-15 Housing Hardship Categories of Housing Hardships Percentage Percentage of Households with income 0-80% of area median with housing cost burden 41.4% Percentage of Households with income 0-80% of area median with severe housing cost burden 20.4% Percentage housing units that are overcrowded 2.5% Percentage housing units without complete kitchen facilities 1.1% Percentage occupied housing units without complete plumbing facilities 0.6% Source: www.dataplace.org Analysis of Impediments to Fair Housing Choice 2010 Update Page 34 of 70

City of McKeesport, Pennsylvania J. Disabled Households: Table II-16 includes the 2000 Census Data that shows the number of disabled individuals in the City of McKeesport. The total population five (5) years and over is 21,561 and the disabled population is 5,635, or 26.1%. This is an indicator of the need for housing for the disabled which are mainly low- and moderate-income, and do not have housing resources that are accessible and/or affordable. Table II-16 Disability Status for McKeesport, PA Disability Status of the Civilian Non-institutional Population Total Male Female Population 5 years and over 21,561 9,909 11,652 With a disability 5,635 2,497 3,138 Percent with a disability 26.1 25.2 26.9 Population 5 to 15 years 3,724 1,996 1,728 With a disability 366 237 129 Percent with a disability 9.8 11.9 7.5 Sensory 24 13 11 Physical 65 30 35 Mental 309 232 77 Self-care 93 46 47 Population 16 to 64 years 13,516 6,249 7,267 With a disability 3,240 1,541 1,699 Percent with a disability 24 24.7 23.4 Sensory 492 236 256 Physical 1,341 663 678 Mental 934 406 528 Self-care 505 218 287 Going outside the home 1,228 525 703 Employment disability 1,966 951 1,015 Population 65 years and over 4,321 1,664 2,657 With a disability 2,029 719 1,310 Percent with a disability 47 43.2 49.3 Sensory 678 277 401 Physical 1,466 488 978 Mental 401 140 261 Self-care 416 129 287 Going outside the home 1,007 307 700 Population 18 to 34 years 4,420 1,950 2,470 With a disability 702 373 329 Percent enrolled in college or graduate school 6.1 5.1 7.3 Percent not enrolled and with a bachelor's degree or higher 11.3 12.6 9.7 No disability 3,718 1,577 2,141 Percent enrolled in college or graduate school 15.7 14.5 16.6 Percent not enrolled and with a bachelor's degree or higher 8.7 7 9.9 Population 21 to 64 years 11,922 5,423 6,499 With a disability 2,996 1,393 1,603 Percent employed 43.8 48.5 39.7 Analysis of Impediments to Fair Housing Choice 2010 Update Page 35 of 70

City of McKeesport, Pennsylvania No disability 8,926 4,030 4,896 Percent employed 69 74.6 64.5 Source: 2000 U.S. Census Data Of the population age 65 and older, 47% have a disability, with women having a higher rate of disabilities than men (49.3% and 43.2% respectively). Educational rates for individuals with disabilities ages 18 to 34 years old are lower than for individuals who are not disabled in this same age category. Of disabled individuals ages 18 to 34, 6.1% are enrolled in college or graduate school, and 11.3% have at least a bachelor s degree but are not currently enrolled. In this same age range, 15.7% of individuals who are not disabled are enrolled in college or graduate school, and 8.7% have at least a bachelor s degree but are not enrolled in school. The disparities between individuals who are and are not disabled can be seen in the employment statistics. Less than half (43.8%) of disabled persons ages 21 to 64 years old are employed, whereas 69.0% of non-disabled persons ages 21 to 64 are employed. Analysis of Impediments to Fair Housing Choice 2010 Update Page 36 of 70

City of McKeesport, Pennsylvania III. Review/Update to Original Plan The previous Analysis of Impediments to Fair Housing Choice was prepared in May 2005. The following paragraphs restate each identified impediment within that document and summarize the progress made on each. A. Summary of Impediments May 2005: Impediment 1 There is a concentration of low-income households and large numbers of persons in the protected classes (particularly minorities and female headed households) which lack affordable housing that is decent, safe, and sound which has an impact on the community and makes this a fair housing concern. Strategy: Develop a Neighborhood Revitalization Strategy Area Plan for a target neighborhood and concentrate financial resources to prevent and eliminate slums and blight conditions, assemble sites for new housing development, rehabilitate existing housing stock, increase code enforcement, crime prevention, and upgrade community facilities and infrastructure in the area. Status: The Neighborhood Revitalization Strategy Area (NRSA) was completed in May 2006. Through the NRSA, the City of McKeesport was able to make significant improvements to the target area through the construction of affordable homes, reducing blight, and repaving streets. Specifically, the City of McKeesport constructed 10 homes with the assistance of PHFA on the Reservoir Site. Upon completion, these homes were made available to low- and moderate-income households. Twenty (20) affordable housing units were also constructed as part of the St. Mary s development. Additionally, within the NRSA target area, several streets were reconstructed in eligible census tracts. Impediment 2 There is a lack of housing choice that is accessible to the physically disabled. There is an increasing number of persons who are disabled who are on fixed incomes, especially the elderly, who cannot afford to make accommodations to their residences. Strategy 1: Make accommodations to existing housing stock and provide accessible housing units in new affordable housing developments. Strategy 2: Increase the number of accessible units in public housing, especially the elderly units. Analysis of Impediments to Fair Housing Choice 2010 Update Page 37 of 70

City of McKeesport, Pennsylvania Status: Blueroof Technology constructed new elderly and disabled housing units. Three (3) of these houses were private, and several more were for the Housing Authority. These homes include the Mon Yough Group Home and St. Mary s. All in all, thirty-nine (39) housing units (or 4.3%) operated by the McKeesport Housing Authority are handicap accessible. An additional twenty-nine (29) units still require modification to become handicap accessible. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #3, Housing Accessibility. Impediment 3 The McKeesport Zoning Ordinance is outdated and needs to be revised in accordance with the Fair Housing Act amendments. Strategy: Revise the City s Zoning Ordinance, update definitions; reference Fair Housing Act, Americans with Disabilities Act and other Federal and State laws; evaluate the types of permitted uses in residential zoning districts; etc. Status: The City of McKeesport is beginning the process of reviewing its Zoning Ordinance in order to indentify and update the outdated definitions, references, and permitted uses in residential districts. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #4, Public Policies. Impediment 4 The McKeesport Human Relations Commission has been reactivated; however, there is a lack of awareness of the HRC, fair housing regulations, protected class rights, etc. Strategy: The McKeesport Human Relations Commission must be a known organization in the City through education and promotional activities. The Citizens need to be made aware of the Fair Housing Act and their rights. Status: The McKeesport Human Relations Commission is comprised of five (5) community members having knowledge and expertise in fair housing issues. The City s CDBG Coordinator is also actively involved in the Commission and has designed and printed a Fair Housing business card for the Commission members to distribute at relevant events and meetings. The CDBG Coordinator is also designing a brochure to Analysis of Impediments to Fair Housing Choice 2010 Update Page 38 of 70

City of McKeesport, Pennsylvania increase awareness of fair housing regulations and educate the public on the rights of protected classes. The McKeesport Human Relations Commission meets on an as-needed basis to address fair housing issues as they arise. The McKeesport Human Relations Commission (MHRC) has sponsored several presentations over the last several years to educate the Commission itself and the community practitioners on the Fair Housing Act and the rights of renters and borrowers. Specifically, the PA HRC presented to the MHRC in August 2006. The MHRC met with local banks on November 16, 2006. The Fair Housing Partnership of Pittsburgh met with the MHRC on August 9, 2006 and July 19, 2007. On January 18, 2007, MHRC met with local Realtors to discuss fair housing issues. On May 30, 2007, MHRC, the McKeesport Housing Authority, and the Fair Housing Partnership of Pittsburgh met. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #1, Fair Housing Education, Advocacy, Monitoring, and Enforcement. Impediment 5 There is a lack of housing counseling programs for low-income households to utilize in their efforts to become homeowners. There is a need to improve potential homebuyer credit history. Strategy: Assist low-income households to take advantage of housing counseling programs, credit counseling programs, and increase programs for homebuyers to include post-purchase counseling, maintenance, and home repairs. Status: McKeesport Neighborhood Initiative, Inc. (MNI) is the primary social service agency offering housing counseling to low-income households. Many of these households have been successful in become homeowners. Dollar Bank reaches out to low-income households to provide housing counseling services as well. The services provided at Dollar Bank target low-income households who have poor or no credit, poor financial management and saving skills, and are unsure of the homebuying process. Dollar Bank teaching lifelong saving skills, develop an action plan to eliminate bad credit, offer an 8 hour homeownership course, and post-purchase counseling. Bank representatives also engage in community workshops at community group meetings, churches, and workplaces to reach out to individuals in need of assistance. Regionally, Dollar Bank estimates that approximately 400-600 households enroll in the Analysis of Impediments to Fair Housing Choice 2010 Update Page 39 of 70

City of McKeesport, Pennsylvania program each year, and an estimated 80-100 households purchase their first home. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #1, Fair Housing Education, Advocacy, Monitoring, and Enforcement. Impediment 6 Even though there does not appear to be any widespread violation to the Fair Housing Act, the City of McKeesport needs to openly affirm its commitment to furthering fair housing in the City. Strategy: City to annually proclaim Fair Housing Month, prepare brochures and press releases, host a fair housing seminar to promote public awareness. Status: Each year, the City of McKeesport proclaims April to be Fair Housing Month in an effort to raise awareness of Fair Housing issues. In an effort to increase awareness of fair housing issues, the City s CDBG Coordinator is currently designing a brochure and has already created a business card to distribute. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #1, Fair Housing Education, Advocacy, Monitoring, and Enforcement. Analysis of Impediments to Fair Housing Choice 2010 Update Page 40 of 70

City of McKeesport, Pennsylvania IV. Impediments to Fair Housing 2010 In order to determine if impediments to fair housing choice exist, interviews and meetings were conducted, surveys were distributed, and an analysis of the fair housing complaints in McKeesport was undertaken. A. Fair Housing Complaints: 1. Human Relations Commission of the City of McKeesport The McKeesport Human Relations Commission (MHRC) is comprised of five (5) City residents who have knowledge and expertise in areas related to equal opportunity and affirmative action. The McKeesport Human Relations Commission meets on an as-needed basis to address fair housing concerns and issues within the City of McKeesport. The City s Community Development staff designed a business card to help raise awareness of the resources available to support fair housing pracitices within the City of McKeesport. The Human Relations Commission of the City of McKeesport does not conduct fair housing discrimination testing. All fair housing complaints are referred to the Pennsylvania Human Relations Commission for investigation. The capacity of the McKeesport Human Relations Commission is limited. The MHRC does not have a dedicated staff person to effectively conduct fair housing education and outreach within the community. The MRHC also does not do any fair housing testing or monitoring. 2. Allegheny County Human Relations Commission The Allegheny County Human Relations Commission Allegheny County was created in July 2009. The Commission is Human Relations Commission comprised of seven (7) members, appointed by the 542 Forbes Avenue, Room 102 County Executive and approved by County Council. Pittsburgh, PA 15219 The Commission meets monthly and will investigate (412) 350-6830 x603 (Voice) complaints of fair housing and employment discrimination. The mission of the Human Relations Commission is to promote education and equal opportunity within the County. 3. Pennsylvania Human Relations Commission City of McKeesport Human Relations Commission 500 Fifth Avenue McKeesport, PA 15132 (412) 675-5020 x603 (Voice) The Pennsylvania Human Relations Commission (PHRC) enforces Pennsylvania s antidiscrimination laws and promotes equal opportunity in education, employment, housing and commercial property, and public accommodation. Analysis of Impediments to Fair Housing Choice 2010 Update Page 41 of 70