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220824 Affordable and Attainable Housing Advisory Committee AgendaPage 1 of 2 The Corporation of the Town of Tillsonburg Affordable and Attainable Housing Advisory Committee August 24, 2022 4:15 p.m. AGENDA 1.Call to Order 2.Adoption of Agenda Proposed Resolution #1 Moved by: Seconded by: THAT the Agenda as prepared for the Affordable and Attainable Housing Advisory Committee meeting of August 24, 2022, be adopted. 3.Minutes of the Previous Meeting (attached) Proposed Resolution #2 Moved by: Seconded by: THAT the minutes as prepared for the Affordable and Attainable Housing Advisory Committee meeting of August 3, 2022, be adopted. 4.Disclosures of Pecuniary Interest and the General Nature Thereof 5.Closed Agenda Proposed Resolution #3 Moved by: Seconded by: Page 2 of 2 THAT the Affordable and Attainable Housing Committee move into closed session to discuss acquisition of land. 6.General Business and Reports 6.1. Tiny Home Show- Municipal Conference Day 6.2. Potential Expansion of Tillsonburg’s Central Area- Cephas Panschow (attached) 6.3. Surplus Lands- Cephas Panschow (attached) 6.4. My Second Unit Program- Rebecca Smith (attached) 6.5. Housing Needs Assessment- Rebecca Smith (attached) 7.Information Items 7.1. Resignation of Member- Elyse Pelland Proposed Resolution #4 Moved by: Seconded by: THAT the Affordable & Attainable Housing Advisory Committee receives and accepts the resignation of Committee Member Elyse Pelland. 8.Next Meeting September 28, 2022 4:15 p.m. 9.Adjournment Proposed Resolution #5 Moved by: Seconded by: THAT the August 24, 2022 Affordable and Attainable Housing Advisory Committee meeting be adjourned at _____ p.m. Page 1 of 5 The Corporation of the Town of Tillsonburg Affordable and Attainable Housing Advisory Committee August 3, 2022 4:15 p.m. Present: Cedric Tomico, Councillor Chris Parker, Dane Willson, Councillor Penny Esseltine, Suzanne Renken Regrets: Gary Green, Lisa Lanthier, Rebecca Smith Absent: Elyse Pelland Staff: Kyle Pratt, Chief Administrative Officer; Laura Pickersgill, Executive Assistant; Cephas Panschow, Development Commissioner MINUTES 1.Call to Order The meeting was called to order at 4:20 p.m. 2.Adoption of Agenda Resolution #1 Moved by: Cedric Tomico Seconded by: Councillor Esseltine THAT the Agenda as prepared for the Affordable and Attainable Housing Advisory Committee meeting of August 3, 2022, be adopted, as amended with the addition of item 5.7 Carried 3.Minutes of the Previous Meeting Page 2 of 5 Resolution #2 Moved by: Councillor Esseltine Seconded by: Cedric Tomico THAT the minutes as prepared for the Affordable and Attainable Housing Advisory Committee meeting of May 25, 2022, be adopted. Carried 4. Disclosures of Pecuniary Interest and the General Nature Thereof There were no disclosures of pecuniary interest declared. 5. General Business and Reports 5.1. Tiny Home Show- Municipal Conference Day This event is taking place tomorrow and Cedric will report back afterwards. 5.2. Community Strategic Plan Goals 5.2.1. Affordable and Attainable Housing Committee Terms of Reference 5.2.2. AMO and HATF Recommendations Kyle provided an overview of the Committee’s mandate and goals to ensure they are being fulfilled. It was noted that Oxford County Council had received an update regarding the Master Housing Strategy along with the Housing Needs Assessment at their June 22 meeting. This information was circulated via email to the Committee and will be brought to the next meeting for further review. A discussion was held regarding developing an attainable housing plan. It was suggested that the Committee review the County’s plan once complete and build the Town’s plan off of that. It was noted that many municipalities hire a consultant to complete their housing plans. It was suggested that the article previously circulated regarding the plan created by the Town of Collingwood be recirculated. It was suggested that a review of what other larger municipalities have created for housing plans be done. 5.3. Expansion of Entrepreneurial Zone- Commercial Policy Review Cephas provided a summary of the purpose for the Entrepreneurial Zone, which encircles the Central Commercial zone and acts as a transitory zone between the core and residential zones. It was suggested that by potentially expanding Page 3 of 5 the Entrepreneurial Zone that this could allow for development of more lands for housing, including affordable housing or office space. It was suggested that this would need to be done in tandem with the zoning restrictions or by lessening the restrictions in the zoning. It was mentioned that innovative ideas would be required to ensure the best use of the spaces. Cephas will bring back more information on this to the next meeting. 5.4. Resolution- More Homes, More Choices Act This item was brought forward for Committee awareness. 5.5. Community Improvement Plan Updates for Social Housing Cephas provided an overview of the revisions made to the Community Improvement Plan to incorporate the term ‘social housing’. It was noted that by adding this definition it would allow for funding of social multi-residential housing projects outside of the downtown, which are not currently permitted under the existing Community Improvement Plan. It was suggested that the words ‘and/or affordable housing’ be added after ‘social housing’. It was suggested that additional residential units be included as part of the definition. Cephas will incorporate these comments into the version that will be brought forward to Council prior to being reviewed with the Province. 5.6. Surplus Lands designated for Affordable and Attainable Housing and EOI Staff are working on developing a list of surplus lands. It was noted that once this list is updated the Committee can review it to make recommendations on other lands that could possibly be used for affordable and attainable housing projects. 5.7. Addition of Committee Member The County approached staff about getting the Committee’s opinion on adding an additional member to the Committee. This individual would be the person holding the newly created position at the County known as the Housing Programs Coordinator. The Committee passed the following resolution: Resolution #3 Moved By: Councillor Esseltine Seconded By: Cedric Tomico THAT the Affordable and Attainable Housing Committee is recommending Cole Warwick be appointed a member of this Committee; Page 4 of 5 AND THAT the representation from Oxford County remain at two individuals for voting purposes; AND FURTHER THAT that the third person represent in a staff liaison capacity. Carried Laura will reach out to the County about which members they would like to have as voting members and which as a staff liaison. Laura will bring a report to Council on this. 6. Information Items 6.1. Affordable Housing Leadership Article- Municipal World A discussion was held regarding inclusionary zoning as noted in the article. Inclusionary zoning dictates that a portion of new development be developed as social or affordable housing. It was noted that this kind of zoning could be a deterrent to developers in Town due to the high cost involved. It was suggested that other compensation to developers could be offered, such as greater lot coverage, should a developer include social and affordable housing developments in their site plan. Kyle left the meeting at 5:16 p.m. 6.2. 2023 Rent Increase Cap Article- News Release The Committee agreed that rent control is an ongoing issue that needs to be addressed province-wide. 7. Round Table It was noted that, further to the suggestion from the Committee, Town staff had made a proposal to a local home builder to allocate some lots for development in conjunction with Habitat for Humanity and the home builder had agreed to provide one lot at this time, which has the potential to expand to include a second unit on the same lot. This is an exciting first step and details are being finalized. It was suggested that other developers be contacted to determine their level of interest in Page 5 of 5 supporting these types of developments. 8. Next Meeting August 24, 2022 4:15 p.m. 9. Adjournment Resolution #4 Moved by: Dane Willson Seconded by: Cedric Tomico THAT the August 3, 2022 Affordable and Attainable Housing Advisory Committee meeting be adjourned at 5:25 p.m. Carried BRIEFING NOTE Potential Expansion of Tillsonburg’s Central Area The purpose of this memo is to identify potential options and considerations in response to a suggestion to expand the Entrepreneurial District to provide more options for increased residential density. Current Context The Entrepreneurial District (ED) is one of two sub-districts in the Central Area of the Town of Tillsonburg, identified on Schedule T-1 of the Official Plan (the other being the Central Business District). The boundary of the Central Area can be generally described as those lands west of Tillson Avenue, north of Bloomer Street, east of the ravine located west of Rolph Street, and south of Venison Street, with a small extension north to Wolf Street, west of Raccoon Alley. The boundary of this area has remained largely unchanged since the adoption of the current Official Plan in 1995. The previous Official Plan (approved in 1978) did not include an Entrepreneurial District but instead included an Office Commercial designation, extending one block west of Bidwell Street from Baldwin Street to Bridge Street, and one block north of Bridge Street to Venison Street. Section 8.3 of the Official Plan provides the applicable policies for the Central Business District and Entrepreneurial District areas. The vision for the Central Area is articulated in Section 8.3.2.1. In the future, the Central Area of the Town of Tillsonburg will remain as the most functionally diverse area of the Town and will serve as the primary business, cultural and administrative centre. The commercial core of the Central Area will remain a viable regional retail shopping district capable of meeting the day to day and specialty needs of residents of the Town as well as serving the southern part of Oxford County and portions of Elgin and Norfolk Counties. At the same time, the Central Area will increasingly serve as a people place and will have increased day and night activity through the introduction of residential development within and near the Central Area and through better integration of the Central Area with the wider community. In-keeping with the above, within the Central Business District, the full range of commercial, office, administrative, cultural, entertainment, recreation, institutional, open space and multiple residential uses are permitted. Further, the Official Plan states that Entrepreneurial District areas are those lands which feature a range of commercial and business development opportunities through the conversion of existing residential dwellings and new development or redevelopment. It is intended that development in this District will result in a mixture of residential and non-residential land uses. A strategic objective of the Official Plan is to increase the residential population living within and in the vicinity of the Central Area. The creation of mixed use buildings and residential intensification is supported. Section 8.3.2.3.2.1- POLICIES FOR CONVERSION OF EXISTING BUILDINGS provides review criteria for development proposals to convert existing buildings within the Entrepreneurial District. Review criteria include: Form of development - it is intended that any business uses be small-scale in terms offloor area and number of employees and shall not significantly alter the residentialcharacter of the neighbourhood. This will be accomplished by restricting non-residential uses primarily to existing dwellings and structures and through site design on an individualbasis by requiring that all proposals be subject to site plan control; Alterations including building additions, enlargement of parking areas and landscaping willbe based on the proposed use, neighbouring uses and lot size and configuration, and will be designed and oriented in such a manner as to blend into the existing residentialcharacter of the neighbourhood. In order to ensure that the use does not have an adverseeffect on the residential character of the area, Town Council shall establish maximum lotcoverage and parking provisions in the Zoning By-Law; It is recognized that within the Entrepreneurial District, existing building locations andaccess points may constrain the ability to provide driveway widths, loading areas andparking spaces in accordance with the provisions of the Town Zoning By-law. As such,Town Council may establish reduced or altered standards for driveways, loading andparking areas, and may consider flexible parking arrangements such as tandem parkingfor employees, off-site parking or similar measures provided that such measures do not effect nearby residential uses or interfere with the functionality of the site. In order tominimize traffic disruption on major roads, new access points will generally be discouragedwithin the Entrepreneurial District. Residential intensification and compact urban form shall be facilitated through appropriate zoning standards and Town Council may consider the use of reduced municipal infrastructure requirements and lot standards on a site or area specific basis, provided that such standards continue to support the overall objectives of the Official Plan. Medium density residential development is permitted within the Entrepreneurial District. The maximum net residential density for medium density residential development is 62 units per hectare (25 units per acre), exclusive of open space areas. Areas within the Entrepreneurial District are zoned either ‘EC’ or EC-R’ in the Town of Tillsonburg Zoning By-Law. Residential uses permitted in the EC zone include: An apartment dwelling; Bed and breakfast establishment; Board or lodging house; Converted dwelling; Duplex dwelling; Dwelling unit accessory to a permitted non-residential use; Group home; Multiple unit dwelling; Nursing home; Semi-detached dwelling; Single detached dwelling; Street fronting townhouse dwelling. Permitted uses within the EC-R (Residential Entrepreneurial Areas), which are typically characterized by more residential uses, include: Apartment dwelling; Bed and breakfast establishment; Boarding or lodging house, with a maximum of 3 guest rooms; Converted dwelling; Duplex dwelling; Dwelling unit accessory to a permitted non-residential use; group home; medical clinic; Multiple unit dwelling; Nursing home, converted; semi-detached dwelling; single detached dwelling; street fronting townhouse dwelling. Overall, the EC and EC-R zones comprise flexible zoning categories that permit a range of residential uses, and compatible business, professional, and institutional land uses. Several multi-residential projects have been approved within the EC zone in the past number of years, including 47 apartment units at the former Rolph St Public School, 28 apartments in the 253 Broadway development, and 7 units in a multiple unit dwelling at the north east corner of Washington Grand Avenue and Rolph Street. While the EC and EC-R zones permit the above- noted residential uses, typically some other planning approvals have been required due to the inability to satisfy all of the required zoning provisions - i.e. setbacks to lot lines, parking, required amenity space. Proposed Expansion of EC Sub-District The current boundaries of the EC District are identified on Schedule T-1 of the Official Plan. Based on existing land use patterns, the expansion of the EC district to the northeast from Bridge St to Concession Street is not recommended, as this area already contains high-density residential development, and service commercial uses. The southern boundary of the Central Area would already seem to be at its logical limit, and the expansion east of Tillson Avenue into institutional land uses and service commercial uses will not create any further development opportunities. To the west of the existing boundary of the Central Area is Participark and ravine lands, and no additional opportunities are present. Expansion of the Central Area boundary to the north, from Venison St W and Wolf Street to Concession Street West on the north, Rolph St on the west, and Broadway St to the east has been discussed previously as having the best potential for an expansion of the Entrepreneurial District. Non-Residential Uses: business or professional office; business service establishment; commercial school; computer and electronic data processing businessdaycare centre; government administrative office; home based assembly/packing/storage/distribution business; medical centre;nursing home; parking lot; personal service establishment; place of worship;public use service shop; studio               Requirements for Expansion As part of a potential re-designation and re-zoning, an Official Plan Amendment and Zoning By-Law amendment would be required to re-designate the lands from ‘Low Density Residential’ to ‘Entrepreneurial District’ and from ‘Low Density Residential Type 1 Zone (R1)’ to ‘Entrepreneurial Zone (EC)’. The applications would be initiated by the Town, and in order to support the applications from potential appeals from residents who are not in favour of increased density, the following studies should be included: an assessment of the built form/character of the existing neighbourhoods should beexamined to determine how new development may fit in and complement the existing areaand streetscape, parking study should be prepared to identify the supply of parking in the area; servicing brief to review water and sanitary servicing capacity, and stormwatermanagement brief to indicate how the increased run-off from increased development/impervious surfaces can be addressed. Prepared by: Eric Gilbert, Senior Planner Circulated to: Town of Tillsonburg Affordable and Attainable Housing Committee Further information: Eric Gilbert, egilbert@oxfordcounty.ca , 519 539 0015 ext 3216 Date: August 10, 2022 It should be noted that re-designating these lands and rezoning them will not necessarily trigger increased residential density; lands located in the EC zone between Lisgar Avenue and Tillson Avenue have been designated and zoned for EC purposes since 1995 and this area remains largely low density in nature, with scattered multiple unit development consisting of duplexes and triplexes. Given the existing development in this area, land assembly would be required for a significant residential development proposal as the existing lots would likely only facilitate ARUs or triplexes, when the parking requirements are included. For this reason, even if these lands were to be re-designated and rezoned as Entrepreneurial, it is likely that most development proposals would require some additional zoning relief and would need to proceed through minor variance or zone change applications. The majority of lots within this area are through lots, with fairly consistent depths that stretch from Rolph, Bidwell or Broadway to Raccoon or Cat Alley. These properties are currently designated Low Density Residential, and are zoned Low Density Residential Type 1 Zone (R1) and the majority contain single detached dwellings with a number of duplexes and tri-plexes throughout. Given the presence of the alleys, there may be potential for Additional Residential Units to be established in the rear yards of these properties. MUNICI PALITY OF BAYHAMNORFO LK C OUNTYTOWNSHIP OF SOUTH - WEST OXFORDTOWNSHIP OF SOUTH - WEST OXFORDTOWNSHIP OF NORWICHTILLSON AVENORTH ST E QUARTER TOWN LINECONCESSION ST W LISGAR AVEBALD W IN ST CONCESSION ST E VIENNA RDESSELTINE DR WIL SONAVESIMCOESTCHARLOTTE AVENORTH ST W DEVONSHIREAVE B RIDGEST EGLENDALEDR GOSHEN STTILLSONSTBRO C K ST EOXFORD ST HA R V E STAVEB R O A D WA Y DEREHAMDR TOWN LINE RDCRANBERRY RDPOTTERS RDWESTTOWN LINEHIGHWAY3 B E L L MI L L S I DE RDWESTONDR JOHNPOUND R D B AY HA M DRC L E A R V IE W DR PRESSEY RD NEWELL RD ROKEBY SRLake LisgarC N R C P R Big Otter Creek Big Otter Creek Stony Creek 9937 9951 9953 %&3 %&19 SCHEDULE "T-1"TOWN OF TILLSONURGLAND USE PLAN COUNTY OF OXFORDOFFICIAL PLAN 4 0 0 0 4 0 0 8 0 0 M E T R E S ® NOTES: THIS MAP MAY INCORPORATE DATA UNDER LICENCE AGREEMENT(S) WITH THE UPPER THAMES RIVER CONSERVATION AUTHORITY, THE GRAND RIVER CONSERVATION AUTHORITY, THE LONG POINT REGION CONSERVATION AUTHORITY, THE MINISTRY OF ENERGY, NORTHERN DEVELOPMENT AND MINES, THE MINISTRY OF NATURAL RESOURCES AND FORESTRY AND THE QUEEN'S PRINTER OF ONTARIO. ©2021 COUNTY COUNCIL APPROVAL: FEBRUARY 10, 2021 BASE MAP LEGEND MUNICIPAL BOUNDARY RAILWAY OTHER ROADS WATERCOURSE MAJOR ROADS SCHEDULE "T-1" LAND USE PLAN LEGEND CENTRAL BUSINESS DISTRICT ENTREPRENEURIAL DISTRICT INDUSTRIAL RESIDENTIAL COMMUNITY FACILITY RURAL BUFFER SERVICE COMMERCIAL OPEN SPACE FLOODLINE ENVIRONMENTAL PROTECTION THIS IS AN OFFICE CONSOLIDATION PREPARED FOR CONVENIENCE ONLY. FOR ACCURATE REFERENCE RECOURSE SHOULD BE HAD TO THE ORIGINAL DOCUMENT AND AMENDMENTS HERETO. THIS SCHEDULE FORMS A PART OF THE COUNTY OF OXFORD OFFICIAL PLAN AND MUST BE READ IN CONJUNCTION WITH THE WRITTEN TEXT. Potential Development Sites August 25,2021 Affordable and Attainable Housing Advisory Committee 2 Overview •Town Owned Lands •31 Earle St •71 Young St •Community Centre Lands •200 Broadway/Town Centre Mall Lands •Third Party Owned Lands •16 Durham St (Legion) •20 Cranberry Rd (TVDSB) •25 Maple Lane (TVDSB) •Westfield PS (TVDSB) •Bridge St/Stationview Development (E&E) 3 4 5 6 7 200 Broadway/Town Centre Mall 8 9 10 11 12 13 Report No. CAO 2022-10 CHIEF ADMINISTRATIVE OFFICER Council Date: August 10, 2022 Page 1 of 6 To: Warden and Members of County Council From: Chief Administrative Officer My Second Unit Program RECOMMENDATIONS 1. That County Council approve the ‘My Second Unit’ funding program, as detailed in Report No. CAO 2022-10; 2. And further, that Council authorize the Chief Administrative Officer and the Director of Human Services to execute funding agreements, together with any other documents necessary to facilitate the Program. REPORT HIGHLIGHTS  The purpose of this report is to provide an overview of the proposed parameters of the ‘My Second Unit’ funding program, which was supported by Council in May 2022.  The Program seeks to provide eligible homeowners with a grant of up to $15,000 for the purpose of creating a new secondary rental unit within their home.  Homeowners will be required to enter into a funding agreement to ensure the secondary unit is rented at or below the Ministry approved average market rent, to a tenant(s) with a total household income of less than $92,700, for a minimum of 10 years.  This program will maximize available funding and assist to provide more ‘missing middle’ housing to help address the current rental supply shortage. Implementation Points Upon Council’s approval, staff will prepare for Program launch in September, including the release of various communications and guidance materials, as detailed in this report. Report No. CAO 2022-10 CHIEF ADMINISTRATIVE OFFICER Council Date: August 10, 2022 Page 2 of 6 Financial Impact On March 9, 2022, following consideration of Report No. CAO 2022-03, Council passed a resolution authorizing the allocation of up to $300,000 from the Affordable Housing Reserve to support the implementation of a secondary unit funding program. This allocation included the retention of required staff resources and the development of a communication and promotion strategy. As there are sufficient funds remaining in the existing approved funding allocation, there will be no further impact on the current year’s budget. Communications Since May 9, 2022, staff have consulted with various local municipalities (Chief Building Officials), County staff and the public, with respect to the proposed Program. In particular, an extensive public consultation process was initiated on April 29, 2022, for the purpose of obtaining feedback and comments from the community with respect to the parameters of the Program. A copy of the survey results are provided as Attachment 1 to this report. Staff also held an online public information session on June 1, 2022, to provide an opportunity for open dialogue with the community. Through this process, a number of comments were received, which are detailed later in this report. Should Council be supportive of the proposed Program parameters, as detailed in this report, staff will schedule for program launch in September, 2022. The Program will be promoted through various social media platforms, advertisements, and the County website. Strategic Plan (2020-2022) WORKS WELL TOGETHER WELL CONNECTED SHAPES THE FUTURE INFORMS & ENGAGES PERFORMS & DELIVERS POSITIVE IMPACT 1.i. 1.ii. 3.iii. DISCUSSION Background On March 9, 2022, County Council passed a resolution authorizing the allocation of up to $300,000 from the Affordable Housing Reserve to support the implementation of a secondary unit funding program. The purpose of the Program is to provide grants in an amount of up to $15,000 to eligible homeowners seeking to construct a secondary rental unit on their property. This funding Report No. CAO 2022-10 CHIEF ADMINISTRATIVE OFFICER Council Date: August 10, 2022 Page 3 of 6 is intended to support the creation of more ‘missing middle’ rental housing by leveraging existing private housing stock throughout the County. Since March, staff have consulted with various local municipalities, internal staff and the public, to gain a better understanding of the various perspectives that should be considered in the development of the Program. For Council’s information, approximately 200 individuals participated in the online survey that was conducted, along with participation from approximately 50 individuals in the online information session. A variety of feedback was received through the noted consultation methods, in line with the following general themes:  Responses showed representation from each of the local municipalities, with the greatest interest in the City of Woodstock.  Only 14% of the respondents indicated that they would not be interested in constructing a second unit in their home.  The majority of participants indicated that a second unit would be beneficial, as it would provide additional income, make use of existing vacant space, and allow them to remain in their home.  Most respondents would have no issue with a ‘rent cap’ in exchange for funding.  The majority of participants indicated that they would only consider becoming a landlord if the rental unit was a proper self-contained unit.  The greatest impediments associated with creating a second unit include costs, tenant management, and landlord responsibilities.  The biggest challenge associated with creating a second unit is submitting the required plans for building permit approval.  A small portion of respondents indicated that they would benefit from assistance in selecting a tenant. Comments Leveraging private housing stock can be a relatively quick and cost-effective way to increase the supply of rental housing, particularly when compared to traditional new construction development. As market housing prices are now unaffordable for most families, rental units are becoming increasingly more important to meet the community’s housing needs. In addition, with rising interest’s rates and inflation, the proposed Program may provide an opportunity for homeowners to cover additional living expenses. Moreover, the Program is expected to provide a greater opportunity to increase the supply of ‘missing middle’ rental housing throughout the County, and assist to address the gap in the housing continuum with respect to affordable rental housing and homeownership. This Program will provide assistance in the following areas of the Housing Continuum (as shown on the next page). Report No. CAO 2022-10 CHIEF ADMINISTRATIVE OFFICER Council Date: August 10, 2022 Page 4 of 6 Existing Supports/Programs: - County housing (628 units) - Non-Profit housing (383 units) - Privately owned housing (541 units) - My Second Unit Program - Rent supplements - My Second Unit Program - Affordable Home Ownership Program (171 families) Proposed Program Parameters and Eligibility Requirements In consideration of the feedback that was received, staff are proposing the following program parameters and eligibility requirements: Parameters Comments The applicant(s) must own the property and live in the dwelling to which the second unit will be located. This will ensure funding is being utilized as intended, such as offsetting housing costs, making use of existing vacant space, and providing an opportunity for homeowners to become landlords. A financial contribution of up to $15,000 will be provided to support the creation of a second unit. Funding will vary depending on the total costs associated with creating the new unit, with proof of receipts being submitted by the applicant. Funding Disbursement Up to 30% of eligible funding will be provided to the applicant at the time of building permit approval, or confirmation of zoning compliance should a building permit not be necessary, with the remaining funds issued following proof of occupancy from the local municipality. The second unit shall be rented at or below the Ministry approved average market rent (AMR) for a minimum of 10-years. The current AMR for a one-bedroom rental unit in the County is $1,062 per month. This rent seeks to capture households within the affordability threshold between affordable rental and homeownership. The total household income of the proposed tenant(s) shall be no more than $92,700, being the 6th income decile according to Statistics Canada. According to the housing needs assessment completed in support of the Master Housing Strategy, there is an increasing need to provide ‘missing middle’ rental housing for households with incomes between $38,178 and $92,700. The proposed income threshold will assist to address this gap in the housing continuum. Household Income Report No. CAO 2022-10 CHIEF ADMINISTRATIVE OFFICER Council Date: August 10, 2022 Page 5 of 6 The Homeowner must sign a contribution agreement and promissory note. This will ensure funding is secured and utilized for the intended purpose of the Program. The agreement will also stipulate funding terms and events of default, in cases where funding is required to be repaid. The Homeowner shall provide annual verification of the rental rate. Over the 10-year term, homeowners will be required to provide rental receipts and lease agreements on an annual basis. Building Permit and Zoning Compliance Homeowners will be required to submit an approved building permit, and/or proof of zoning compliance, prior to the disbursement of funds. This will ensure the unit is legal and constructed in accordance with relevant requirements. Timelines Homeowners will have a maximum of 8 months, from the date of application approval, to complete construction of the second unit. It is important to note that while the proposed funding parameters are detailed above, the Program is expected to evolve as applications are processed. As such, staff will continue to monitor the success of the Program as it is implemented and consider modifications as the needs arise. Proposed Program Resources In addition to the above, the following assistance will also be available to homeowners participating in the Program:  Lease Assistance: staff will be available to assist and guide prospective landlords who are not familiar with standard residential lease requirements.  Building & Landlord Guide: this guide will provide homeowners with information regarding the building permit process, and the steps involved with obtaining a permit. Details with respect to becoming a landlord and constructing a second unit will also be included, in addition to valuable resources and contacts.  Instructional Videos: the Landlord Self-Help Centre provides a variety of resources to landlords, including learning modules and instructional videos. These resources will be promoted through the County’s Program.  Overall Staff Assistance: staff resources have been dedicated to the implementation and administration of the second unit program. This position will specifically assist homeowners through the funding and building processes, and any other matters associated with the Program. Proposed Program Launch Program launch is expected in September 2022, in line with consideration of the additional residential unit (ARU) policies that are anticipated to be presented by Planning staff. Report No. CAO 2022-10 CHIEF ADMINISTRATIVE OFFICER Council Date: August 10, 2022 Page 6 of 6 At this time, the proposed Program is initially expected to fund approximately 12 to 15 second units: However, staff will monitor interest in the Program and report back to Council with any requests for additional funds, if required. Conclusions The need to develop rental housing is identified as a goal in the Oxford County Strategic Plan, County Official Plan, Future Oxford Community Sustainability Plan, County’s 10 Year Shelter Plan and the Zero Poverty Action Plan. The proposed program is expected to provide a more cost-effective and efficient way to increase the supply of rental housing, and assist to address the gap in the housing continuum with respect to affordable rental housing and homeownership. This Program is a step forward in the County’s efforts to support the creation of more ‘missing middle’ housing options. SIGNATURES Report Author: Original signed by Rebecca Smith, MCIP, RPP Manager of Housing Development Approved for submission: Original signed by Michael Duben, B.A., LL.B. Chief Administrative Officer ATTACHMENT Attachment 1 – Survey Response Summary - June 6, 2022 Survey: Adding a second unit to your home SURVEY RESPONSE REPORT 26 April - 06 June 2022 PROJECT NAME: My Second Unit REGISTRATION QUESTIONS Page 1 of 21 Oxford County | Survey: Adding a second unit to your home Q1 Postal Code 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) 1 (8.3%) Drumbo, ON, N0J1G0 Ingersoll, ON, N5C3P6 Woodstock, ON, N4S7W3 Woodstock, ON, N4T0G5 Woodstock, ON, N4V1G7 Woodstock, ON, N4V0A8 Ingersoll, ON, N5C0C6 Woodstock, ON, N4S8X2 Ingersoll, ON, N5C0B6 Woodstock, ON, N4S1V9 Woodstock, ON, N4T0E6 Woodstock, ON, N4S2Z6 Question options Mandatory Question (12 response(s)) Question type: Region Question Page 2 of 21 Oxford County | Survey: Adding a second unit to your home SURVEY QUESTIONS Page 3 of 21 Oxford County | Survey: Adding a second unit to your home Q1 Where do you live? 9 (4.5%) 9 (4.5%) 8 (4.0%) 8 (4.0%) 33 (16.5%) 33 (16.5%) 9 (4.5%) 9 (4.5%) 13 (6.5%) 13 (6.5%) 11 (5.5%) 11 (5.5%)92 (46.0%) 92 (46.0%) 24 (12.0%) 24 (12.0%)1 (0.5%) 1 (0.5%) Blandford-Blenheim East Zorra-Tavistock Ingersoll Norwich South-West Oxford Tillsonburg Woodstock Zorra Outside of Oxford County Question options Optional question (200 response(s), 3 skipped) Question type: Dropdown Question Page 4 of 21 Oxford County | Survey: Adding a second unit to your home Q2 Would you consider constructing a second unit in your home for a future tenant? 94 (46.5%) 94 (46.5%) 29 (14.4%) 29 (14.4%) 42 (20.8%) 42 (20.8%) 37 (18.3%) 37 (18.3%) Yes No Maybe: I'd need to learn more Only if there is a program offering financial support Question options Optional question (202 response(s), 1 skipped) Question type: Radio Button Question Page 5 of 21 Oxford County | Survey: Adding a second unit to your home Q3 A second unit would benefit me in the following ways (check all that apply): Provide additional income Make use of existing vacant space in my home or on my property A tenant would provide companionship A second unit would allow me to stay in my home A second unit would help me purchase a home Other (please explain) Question options 20 40 60 80 100 120 140 160 143 104 18 51 18 34 Optional question (185 response(s), 18 skipped) Question type: Checkbox Question Page 6 of 21 Oxford County | Survey: Adding a second unit to your home Q4 Would you still consider Oxford County's secondary unit program of up to $15,000 in funding if it meant the unit's rent was capped (e.g., you could not charge rent higher than the average market rent for your area)? 121 (60.8%) 121 (60.8%) 33 (16.6%) 33 (16.6%) 45 (22.6%) 45 (22.6%) Yes No Not sure Question options Optional question (199 response(s), 4 skipped) Question type: Radio Button Question Page 7 of 21 Oxford County | Survey: Adding a second unit to your home Q5 Would you consider renting a room or part of your existing home to a tenant instead of constructing a fully separate second unit? 35 (17.4%) 35 (17.4%) 120 (59.7%) 120 (59.7%) 30 (14.9%) 30 (14.9%) 16 (8.0%) 16 (8.0%) Yes No Not sure Only if there is a program offering financial support Question options Optional question (201 response(s), 2 skipped) Question type: Radio Button Question Page 8 of 21 Oxford County | Survey: Adding a second unit to your home Q6 What reasons might stop you from adding a second unit and having a tenant on your property? Please select all that apply. Responsibilities of a landlord (legal, financial, etc.)Dealing with tenants Financial investment and/or costs Not knowing enough about the process Other (please explain) Question options 10 20 30 40 50 60 70 80 90 100 110 120 130 75 86 122 74 37 Optional question (200 response(s), 3 skipped) Question type: Checkbox Question Page 9 of 21 Oxford County | Survey: Adding a second unit to your home Q7 What challenges do you see in constructing a second unit in your home? Please check all that apply. Submitting the required plans/drawings for building permit approval Adding a second entrance for the unit Making physical changes to my home and/or dealing with construction work Understanding my obligations as a landlord Other (please explain) Question options 10 20 30 40 50 60 70 80 90 100 110 120 130 140 126 74 94 57 34 Optional question (190 response(s), 13 skipped) Question type: Checkbox Question Page 10 of 21 Oxford County | Survey: Adding a second unit to your home Q8 Would you as a homeowner benefit from, or be interested in, free or low-cost legal advice about your obligations in renting a second unit in your home? 108 (55.7%) 108 (55.7%) 36 (18.6%) 36 (18.6%) 50 (25.8%) 50 (25.8%) Yes No Not sure Question options Optional question (194 response(s), 9 skipped) Question type: Radio Button Question Page 11 of 21 Oxford County | Survey: Adding a second unit to your home Q9 Would you as a homeowner benefit from assistance in choosing a tenant for your second unit? 61 (30.8%) 61 (30.8%) 83 (41.9%) 83 (41.9%) 54 (27.3%) 54 (27.3%) Yes No Not sure Question options Optional question (198 response(s), 5 skipped) Question type: Radio Button Question Page 12 of 21 Oxford County | Survey: Adding a second unit to your home Q10 How did you hear about this survey? Social media (Facebook, Twitter, Instagram, etc.)Local news media (newspaper, radio)Oxford County website Ad or notice on another website From someone else Other (please specify) Question options 10 20 30 40 50 60 70 80 90 100 110 120 130 115 68 22 3 13 6 Optional question (199 response(s), 4 skipped) Question type: Checkbox Question Page 13 of 21 Oxford County | Survey: Adding a second unit to your home Oxford County – Master Housing Strategy Housing Needs Assessment June 2022 1.0:Income and Affordability Thresholds 3N.Barry Lyon Consultants Limited Housing Continuum:Income Distribution WOODSTOCK TILLSONBURG INGERSOLL Avg.$1,120,000 Avg.$1,100,000 Avg.$730,729 Low-Income Moderate-Income High-Income 5 Incomes in Oxford County - Deciles 4IncomeHouseholdIncomesinOxfordCounty Decile Group All Households Income (2021 estimate)^ Renter Income (2021 estimate)^Low Income1st $26,600 $16,500 2nd $41,000 $23,100 3rd $53,600 $29,700 Modera te Income4th $66,500 $37,800 5th $81,300 $46,000 6th $96,600 $54,600 High7th $114,600 $65,600 8th $138,100 $81,200 9th $175,300 $106,700 Notes/Source:Provincial Policy Statement Housing Tables.^Incomes based on 2016 Census of Canada,inflated using Consumer Price Index (Ontario)to estimate 2021 incomes. •The data in this chart sorts the income of All Households and Renter Households by income deciles.Data is released through the Ministry of Municipal Affairs and Housing (MMAH)each year. •Income data is based on the 2016 Census of Canada, which is then inflated using the Consumer Price Index (CPI)between 2016 and 2021 to estimate current income levels. •Using CPI does not account for actual change in income or people that might have moved to Oxford County over this period. •When the 2021 census is released late-2022, the data and analysis should be updated. •The data further exemplifies that owners earn significantly more than renter households across every decile. Affordability Thresholds Based on Affordable Housing Definitions 5IncomeHouseholdIncomesinOxfordCountyandAffordabilityThresholds Decile Group All Households Income (2021 estimate)^ Renter Income (2021 estimate)^ Affordable Purchase Price* Affordable Rental Rate (monthly)**Low Income1st $26,600 $16,500 $97,900 $410 2nd $41,000 $23,100 $150,800 $580 3rd $53,600 $29,700 $197,200 $740 Modera te Income4th $66,500 $37,800 $244,600 $950 5th $81,300 $46,000 $299,100 $1,150 6th $96,600 $54,600 $355,400 $1,370 High7th $114,600 $65,600 $421,600 $1,640 8th $138,100 $81,200 $508,100 $2,030 9th $175,300 $106,700 $644,900 $2,670 Notes/Source:Provincial Policy Statement Housing Tables.^Incomes based on 2016 Census of Canada,inflated using Consumer Price Index (Ontario)to estimate 2021 incomes.*Assumes 30%of gross income is available for accommodation costs.Accommodation costs include mortgage (25 years,4.79%fixed 5-year rate,5%downpayment,1.25%property tax payment,4.0%of loan amount for CMHC mortgage insurance).**Assumes 30%of gross income is available for monthly rent. •The data in this chart displays the maximum purchase price (based on all household incomes)and maximum monthly rent (based on renter household incomes)that each decile group can afford to pay as determined by the MMAH income data. •In addition to affordability challenges, other barriers to entry will include: •Availability of units at these price points •Rental Housing:First and last month rent •Ownership Housing:Adequate down payment,other closing costs 12 2.0:Housing Available to Oxford County Households 12N.Barry Lyon Consultants Limited 2.1:Ownership Resale Housing 13 Existing homes being purchased within Oxford County.This existing housing stock is referred to as Resale Housing. Ownership Housing –Resale Data (YTD Dec 2021) •Average Price: •Single-Detached:$938,795 (up 340%since 2012,43%since last year) •Semi-Detached:$775,041 (up 279%since 2012,40%since last year) •Condo Apartment:$545,151 (up 293%since 2012,24%since last year) •Median Days on Market: •Single-Detached:2022 –7 days |2020 –16 days |2012 –71 days •Semi-Detached:2022 –7 days | 2020 –19 days |2012 –52 days •Condo Apartment:2022 –7 days |2020 –19 days |2012 –50 days •All homes types are increasing in price rapidly,selling quickly,with decreasing supply / months of inventory. •While the rate of increase was modest between 2013 and 2017,a slight uptick is noted between July 2017 and January 2020.After January 2020 (COVID-19 pandemic began in March 2020),the rate of price appreciation has increased significantly. •Data indicates that demand appears to be outpacing supply for all housing types in the County,resulting in prices increasing rapidly and spending very little time on the market with reduced inventory overall. Source:Woodstock-Ingersoll and District Residential MarketActivityandMLS®Home Price Index Report February 2022 Graphs are all housing types: 8 Ownership Housing – Resale Listing Price Ranges (source: realtor.ca) •Detached: •Most range between $800k -$1.5M •Some smaller homes are less than $800k •Some luxury properties are over $2M •Semi-Detached: •Small number of listings,mostly in Woodstock.Typically range between $500k -$750k •Townhome: •Listings primarily in Woodstock.Typically range between $450k -$900k •Apartment: •Very few options in Oxford County.Pricing typically ranges from $300k - $700k. •Pricing influenced by age,quality,location,and condo fees. 9 2.2:Ownership New Sale Housing •New homes being purchased from actively marketing pre-construction projects across Oxford County.These include new subdivisions, new condominium buildings, and other similar new housing projects. •This ‘under development’housing stock is referred to as New Sale Housing. New Single/Semi-Detached Homes -Tillsonburg •Tillsonburg offers the second most expensive pricing for new single/semi-detached homes in Oxford County •There were limited projects at the time of the survey,which only had three-bedroom homes available •On average,these three-bedroom houses are selling for $1,100,000. Northcrest Estates Avg.$1,100,000 11Source:Project Marketing Materials New Townhouses -Tillsonburg •Tillsonburg offers the second most expensive pricing for townhouses in Oxford County •There were limited new projects at the time of the survey,which had two and three-bedroom units available •On average,these units are selling for $730,500,however pricing ranges between mid- $600K for the two-bedroom units and mid-$700K for the three-bedroom units Northcrest Towns Avg.$730,500 12Source:Project Marketing Materials New Unit Summary Ownership Data -Woodstock,Ontario Building Typology Average Price 1B 2B 3B New Condominium Apartments -$578,450 $750,000 New Townhouses -$758,300 $951,389 New Single/Semi-Detached Homes -$786,683 $1,120,644 Source:Project Marketing Materials. Ownership Data -Tillsonburg,Ontario Building Typology Average Price 1B 2B 3B New Condominium Apartments --- New Townhouses -$673,333 $756,429 New Single/Semi-Detached Homes --$1,100,000 Source:Project Marketing Materials. Ownership Data -Ingersoll,Ontario Building Typology Average Price 1B 2B 3B New Condominium Apartments --- New Townhouses -$579,900 $689,000 New Single/Semi-Detached Homes -$605,729 $730,729 Source:Project Marketing Materials. It is important to note that the ownership data provided is based on new units currently available for sale or units that have recently sold.Therefore,the data does not capture the entirety of pricing for each of the new projects since they began selling.Averagepricingthresholdsbymunicipality may be impacted based on limited availability. 13 2.3:Rental Housing Market N.Barry Lyon Consultants Limited 28 Rental Housing –CMHC Average Market Rent and Vacancy RateTILLSONBURG Tillsonburg Average Market Rent and Vacancy Rate October 2021 Bedroom Type Average Market Rent Vacancy Rate Bachelor $713 0.0% One-Bedroom $855 2.8% Two-Bedroom $1,088 1.7% Three-Bedroom $1,133 ** Total $994 2.4% Source:CMHC Housing Portal 15 Rental Housing –New Purpose-Built Rental Apartments •On average,new (built generally within the last 5 years)purpose-built rental apartments in Oxford County are renting at an average of just under $1,600 per month.Currently,only Woodstock and Tillsonburg have “new”purpose-built rental housing,which average around: New Purpose-Built Rental One-Bedroom Apartments:$1,400 Two-Bedroom Apartments:$1,775 Three-Bedroom Apartments:$1,975 •In contrast,older purpose-built rental projects across the three urban municipalities on average are leasing at: Older Purpose-Built Rental One-Bedroom Apartments:$1,250 Two-Bedroom Apartments:$1,585 Three-Bedroom Apartments:$1,950 34 New Purpose-Built Rental Apartments 35 Sally Creek –Average $1,950 per month •Woodstock and Tillsonburg are currently the only municipalities in Oxford County with new available purpose-built rental apartments. •We surveyed four new projects in Woodstock and four new projects in Tillsonburg.The most expensive project surveyed was a high-end building in Tillsonburg,however pricing across the other seven projects was similar. Woodstock Tillsonburg Oxford Estates –Average $2,100 per month Source:Project Marketing Materials Rental Housing –Townhomes •On average,newer townhouses in Oxford County are renting at an average of just under $2,400 per month. By unit type,the following average monthly rents are shown: One-Bedroom Townhouses:$1,850 Two-Bedroom Townhouses :$2,200 Three-Bedroom Townhouses :$2,600 •New rental townhouses in Woodstock and Tillsonburg are leasing at similar rates across all unit types. •The older townhouse units across the three urban municipalities on average are leasing at: Two-Bedroom Apartments:$1,600 Three-Bedroom Apartments:$1,850 NEW:Pember’s Walk Townhouses -Woodstock Source:Project Marketing Materials OLD:Thames Garden Townhouses -Ingersoll Source:Project Marketing Materials 18 •Basement apartments were also surveyed to determine the full range of rental housing available in Oxford County.Units listed in Woodstock,Ingersoll,and Tillsonburg were available at an average of just under $1,500 per month in rent.By unit type,the following was available,on average: Rental Housing –Basement Apartments One-Bedroom:$1,400 Two-Bedroom:$1,785 Woodstock Source:Project Marketing Materials 19 Ingersoll Rental Data -Woodstock,Ontario Building Typology Average Rent 1B 2B 3BNewPurposeBuiltRentalApartments$1,409 $1,802 $1,910 Older Purpose Built Rental Apartments $1,298 $1,632 $2,393 New Rental Townhouses $1,856 $2,153 $2,498 Older Rental Townhouses -$1,609 $1,738 Basement Apartments $1,288 $1,700 - Single/Semi-Detached Homes $2,000 $2,350 $3,025 Source:Project Marketing Materials. Rental Housing –Rental Data Tables It is important to note that the rental data provided is based on units currently available for lease.Average pricing thresholds by municipality may be impacted based on limited availability. 20 Rental Data -Tillsonburg,Ontario Building Typology Average Rent 1B 2B 3BNewPurposeBuiltRentalApartments$1,469 $1,790 $2,000 Older Purpose Built Rental Apartments $1,169 $1,349 $1,421NewRentalTownhouses-$2,250 $2,674 Older Rental Townhouses -$1,700 $2,150 Basement Apartments $1,450 -- Single/Semi-Detached Homes -$2,500 $2,848 Source:Project Marketing Materials. Rental Data -Ingersoll,Ontario Building Typology Average Rent 1B 2B 3B New Purpose Built Rental Apartments --- Older Purpose Built Rental Apartments $1,148 $1,295 $1,500NewRentalTownhouses--- Older Rental Townhouses -$1,425 $1,655 Basement Apartments $1,600 $1,950 - Single/Semi-Detached Homes -$2,550 $2,800 Source:Project Marketing Materials. 3.0:Affordability Gap Analysis 39N.Barry Lyon Consultants Limited Ownership Affordability Gap Analysis Ownership Housing Affordability Gap Analysis Income Decile 1 2 3 4 5 6 7 8 9 Affordability Threshold $97,900 $150,800 $197,200 $244,600 $299,100 $355,400 $421,600 $508,100 $644,900 Housing Type Purchase Price Average Resale Price Blandford-Blenheim $1,005,000 East Zorra Tavistock $828,000 Ingersoll $832,746 Norwich $972,780 SW Oxford $1,283,463 Woodstock $791,235 Zorra $1,030,911 Tillsonburg $766,625 Oxford County $845,936 Average New Sale Price -Woodstock Single-Family New (High)$1,120,644 Single-Family New (Low)$786,683 Condo Apartment New 2BR $578,450 Condo Apartment New 3BR $750,000 Townhose New 2BR $758,300 Townhose New 2BR $951,389 Average New Sale Price -Tillsonburg Single-Family New $1,100,000 Condo Apartment New 2BR Data Unavailable Condo Apartment New 3BR Data Unavailable Townhose New 2BR $673,333 Townhose New 2BR $756,429 Average New Sale Price -Ingersoll Single-Family New (High)$760,141 Single-Family New (Low)$659,060 Condo Apartment New 2BR Data Unavailable Condo Apartment New 3BR Data Unavailable Townhose New 2BR $579,900 Townhose New 2BR $689,000 Unaffordable Affordable 22 Rental Affordability Gap Analysis Unaffordable Affordable Rental Housing Affordability Gap Analysis Income Decile 1 2 3 4 5 6 7 8 9 Affordability Threshold $410 $580 $740 $950 $1,150 $1,370 $1,640 $2,030 $2,670 Housing Type Monthly Rental Rate WOODSTOCK New Apartment 1BR $1,409 New Apartment 2BR $1,802 New Apartment 3BR $1,910 Older Apartment 1BR $1,298 Older Apartment 2BR $1,632 Older Apartment 3BR $2,393 New Townhome 1BR $1,856 New Townhome 2BR $2,153 New Townhome 3BR $2,498 Older Townhome 2BR $1,609 Older Townhome 3BR $1,738 Basement Apartment 1BR $1,288 Basement Apartment 2BR $1,700 Single/Semi-Detached 2BR $2,350 Single/Semi-Detached 3BR $3,025 TILLSONBURG New Apartment 1BR $1,469 New Apartment 2BR $1,790 New Apartment 3BR $2,000 Older Apartment 1BR $1,169 Older Apartment 2BR $1,349 Older Apartment 3BR $1,421 New Townhome 2BR $2,250NewTownhome 3BR $2,674 Older Townhome 2BR $1,700 Older Townhome 3BR $2,150 Basement Apartment 1BR $1,450 Market Single/Semi-Detached 2BR $2,500 Market Single/Semi-Detached 3BR $2,850 INGERSOLL Older Apartment 1BR $1,148 Older Apartment 2BR $1,295 Older Apartment 3BR $1,500 Older Townhome 2BR $1,425 Older Townhome 3BR $1,655 Basement Apartment 1BR $1,600 Basement Apartment 2BR $1,950 Market Single/Semi-Detached 2BR $2,550 Market Single/Semi-Detached 3BR $2,800 23 Rental Affordability Gap Analysis –CMHC Thresholds 24 Unaffordable Affordable Rental Housing Affordability Gap Analysis Income Decile 1 2 3 4 5 6 7 8 9 Affordability Threshold $410 $580 $740 $950 $1,150 $1,370 $1,640 $2,030 $2,670 Housing Type Monthly Rental Rate CMHC Average Market Rent 80%CMHC AMR 1BR $850 80%CMHC AMR 2BR $1,024 80%CMHC AMR 3BR $889 CMHC AMR 1BR $1,062 CMHC AMR 2BR $1,280 CMHC AMR 3BR $1,111 4.0:Who are the Households Facing Affordability Challenges 25 Households in Core Housing Need -%of Households •Households in core housing need have mostly been increasing every censusperiodsince2006.In Woodstock,the number of households in Core HousingNeeddecreasedbetween2011and2016. •There are significantly more renter households in Core Housing Need than owners. •Ownership households in core housing need has been fairly stable between 2006 and 2016.Housing price increases since this time has likely shifted this finding. •Data is similar to findings across the province,where renter households facelargeraffordabilitychallengesrelativetoownerhouseholds. N.Barry Lyon Consultants Limited 26 Households in Core Housing Need –Housing Standard •Core Housing Need is more pronounced for renter households across all three categories. •Affordability is the most common factor leading a household to be in Core Housing Need. Adequacy and Suitability are also significant contributors for renter households being in Core Housing Need. •0%of the surveyed households in core housing need indicate that affordability is the only challenge.This means these households are not only spending too much on housing costs,but also the home is either not suitable or adequate for their needs. •The presence of older apartment buildings often leads to higher proportions of adequacy and suitability,which are common in all three municipalities,but more prevalent in Ingersoll and Tillsonburg. N.Barry Lyon Consultants Limited 27 Core Housing Need –Household Characteristics 48 Households in Core Housing Need by Household Characteristics (2016) Municipality Woodstock Ingersoll Tillsonburg Tenure Owner Renter Owner Renter Owner Renter Total -%Households in Core Housing Need 3%26%3%29%4%30% Age of Primary Household Maintainer 15to 24 years 6%24%0%24%0%31% 25to 34 years 1%22%2%18%4%27% 35to 44 years 2%24%0%25%2%24% 45to 54 years 3%23%2%32%2%20% 55to 64 years 5%27%4%29%6%28% 65years and over 4%31%5%41%4%39% Couple with children 1%8%0%7%1%10% Couple without children 2%12%2%18%1%8% Lone-parent household 8%43%5%40%9%35% One-person household 7%33%9%39%12%42% Household has at least one senior (65 or older)4%31%5%42%4%37% Household has at least one child less than 18 years old 3%27%1%23%2%28% Non-immigrant 3%26%3%28%4%30% Immigrant 5%25%4%39%4%24% Recent immigrants (landed 2011-2016)0%30%---- Household has at least one person with activity limitations 4%31%4%34%5%34% Aboriginal households 0%17%0%36%0%35%Source:CMHC Housing Portal Core Housing Need Analysis for Woodstock,Ingersoll,Tillsonburg.Red indicates variable is 5%above overall average for tenure. Renter households have higher incidence of core housing need across all characteristics. Key renter groups include: •Older households (65 and over)and households with at least one-senior. •Lone-parent and one-person households. •Immigrants and recent immigrants. •Households with activity limitations. While certain owner groups will also face affordability challenges,clearly a larger need to address renter households across a variety of incomes and characteristics. Lone parent and one-person owner households appear to be facing large challenges. Rising rents and home prices since 2016 are likely to alter this data and the findings. N.Barry Lyon Consultants Limited 55 RGI Wait List Characteristics •There are approximately 2,400 households on the County’s wait list for RGI affordable housing.The has been steadily growing over the past decade as affordability and growth pressures continue. •The majority of households are seeking housing in Woodstock (69%),with almost all of the wait list concentrated in the three main municipalities (driven by the fact that this is where the majority of RGI housing is located). •Nearly half of the wait list are from households aged 25-45,with seniors representing 16%. •Nearly 62%of the wait list are seeking a one-bedroom /bachelor unit.Less than 6%are seeking large family size homes over 4-bedrooms. •Wait-list represents County and non-profit asset data.Wait-list for the non-RGI affordable housing is unavailable. N.Barry Lyon Consultants Limited 30 7.0:Findings and Direction N.Barry Lyon Consultants Limited 62 Overall Findings 32 •The data indicates that much of the housing in Oxford County is unaffordable to many households in the municipality. •For ownership housing,it appears that high-income individuals from other parts of Ontario are moving to Oxford County, which is driving up prices and competition for a limited supply of housing.As home prices rise,existing owners are also likely using this equity growth to move to a larger /more expensive home.Other macro factors are also causing home prices to rise (low interest rates, strengthening demand,insufficient housing supply across Southern Ontario,financialization of housing,and others). •Owners are also more likely to spend over 30%of their gross household income on a home in order to “enter the market”,believing that their equity commitment will pay off down the road. •Renters are also facing significant affordability challenges.Outside of a bachelor/1br apartment,rental apartments and rental single-family homes are unaffordable to roughly 70%of all rental households in the municipality.Unlike owners, most renters will overpay for housing, due to lack of choice,without any potential corresponding benefit. •Lack of choice and supply are two key factors driving rental housing unaffordability,which is unlikely to improve without the introduction of new market and affordable supply. •When selecting an affordability target,it is important to note that 80%-100%of the CMHC AMR is out of reach for many renter households.At the same time,the wait list for RGI housing is over 2,000 households and growing. •These findings should be revised and reassessed when the 2021 census data is released Q4 2022 to better reflect current incomes in the County. From:Elyse Pelland To:Laura Pickersgill Subject:Resignation from Affordable and Attainable Housing Committee Date:Tuesday, August 16, 2022 1:40:18 PM CAUTION: This email originated from outside your organization. Exercise cautionwhen opening attachments or on clicking links from unknown senders. Hi Laura! Please accept this as my written notice for resigning from the Affordable and Attainable Housing Committee. With my business and work schedule I am unable to commit the timethat is needed for this committee and its meetings. Please let me know if there are any further steps I need to take to complete this resignation. Thank you! Elyse