Federal Reserve Bank of San Francisco

Community Development

Community Investments Vol 17, Issue 3
Stuck in the Middle: Financing Workforce Housing

Author(s):

September 2005

Community Investments

There is a specific group of wage-earners who are caught between a rock and a hard place in the housing market in high cost areas. Earning too little to afford a home, they are relegated either to the rental market or to a crushing commute. Earning too much to be considered low- or moderate-income, they don’t qualify for many programs that could help them buy their first home.

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