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Attacking the intractable affordable housing problem

Waveney Ann Moore



Downtown St. Petersburg, with its sparkling condominiums showcasing panoramic views and the promise of more high-end development, stands in stark contrast to the city’s affordable housing crisis.

Sarah Ward had always known it existed, but became acutely aware of the problem when she tried to help several family members find a place to live. Something they could afford on their limited income. Somewhere safe.

Ward told me stories that included one of an out-of-town landlord who wanted her sister to make a deposit and pay the first month’s rent before he did basic repairs. A missing faucet was one.

Ward’s disabled brother, who works as a teacher’s assistant for Pinellas County Schools, was eventually able to snap up a 190-square-foot unit boasting a microwave for cooking and a dorm-size fridge. He pays $795 for the space. Another brother, who is divorced and recently had surgery for prostate cancer, pays $500 a month for a room.

She recognizes that there are many issues involved in the quest for affordable housing, but Ward believes they’ve been compounded by the coronavirus that has slashed incomes and forced people out of their homes. Her brother with the school district was evicted after the landlord insisted that he had plans to renovate, she said, adding that he found a loophole in the moratorium on evictions.

Retired after 32 years with the Pinellas County Planning Department, Ward said she allowed her disabled brother to move in with her temporarily, though she was terrified of contracting the coronavirus because of his work outside the house.

Her stories are not unusual. Former St. Petersburg City Council Member Karl Nurse told me about one of his employees who is frantically searching for a place to live after the new owner of her triplex announced that he was raising the rent by more than 50 percent.

Those types of stories and an urge to help are behind the push to improve access to affordable housing. Ward is a volunteer with FAST (Faith and Action for Strength Together) an interfaith and multi-racial group of more than 40 Pinellas congregations  that work together to tackle community issues such as education and housing.

Ward sits on FAST’s affordable housing subcommittee and is part of the organization through her congregation, Mount Moriah Missionary Baptist Church, at 3500 18th Ave. S.

A couple of years ago, FAST got Pinellas County Commissioners to commit to investing 4.15 percent of Penny for Pinellas funds to subsidize affordable housing for residents with 80 percent of the area median income (AMI) – $56,250 for a family of four – and those below. This week, though, the group held a press conference to say that commissioners broke their word in January when they allocated only a fraction of $9.6 million to build affordable housing for the neediest group. They are not against the mixed-income projects that will be funded, FAST says, but they don’t want the funds to go to residents above 80 percent of the AMI.

Nurse, who is involved with three nonprofit organizations that build affordable housing, told me it’s a complicated issue. “I’m sympathetic to what FAST wants, but math is math. It’s not like we are having an army of developers wanting to build affordable housing,” he said. “Construction costs have gone up dramatically in the last five years. If we are going to build some units for under 80 percent of the AMI, it is going to require some compromises.”

It’s more profitable for developers to build multi-income housing that will embrace both those in the under 80 percent AMI group and others with slightly higher incomes, Nurse said. “If you can’t build a spectrum, what can you do?”

In an email several days ago, he offered: “The private sector has little reason to build affordable housing. So, therefore, it is really up to the local governments and the nonprofits to take the lead on this work.”

I spoke with another volunteer with FAST about the housing problem. Flo Young is a registered nurse who is originally from Jamaica and is a member of Bethel Community Baptist Church at 2901 54th Ave. S. Her knowledge of the affordable housing crisis is from the vantage point of a landlord. She has a small apartment building of eight units that she rents only to people who are mentally ill.

“I know how easy it is for them to lose their living and for people to rent to them,” she said. “I could rent for more money. This is my way of giving back. The Lord tells us we’re always going to have the poor with us.”

According to the National Low Income Housing Coalition, 7.2 million more affordable housing units are needed for extremely low income families. They are defined as those with household incomes at, or below, the poverty guidelines, or 30 percent of the AMI.

In Florida, the national group says, many of these households are “severely cost burdened, spending more than half of their income on housing.” They are most likely to sacrifice necessities such as healthy food to keep a roof over their heads. Ward won’t let her brothers do so. She prepares homecooked meals for them as often as she can.

Though far from enough, St. Petersburg has 188 affordable housing units in the works. Sixty-five are one- and two-bedroom apartments by Blue Sky Communities, which is getting $700,000 in Penny money and is building homes for the people FAST is most concerned about.

Scott Macdonald, executive vice president and CFO, said the two-building SkyWay Lofts at 3900 34th St. S and 3319 39th Ave. S began drawing inquiries as soon the project broke ground in August. The apartments should be ready in November.

The units will rent to people at 80 percent of the AMI and below. Rents will go from $315 a month for a one-bedroom for those at 30 percent of the AMI and $1,060 for a two-bedroom for renters at 80 percent of the AMI.

St. Petersburg has a 10-year plan to increase the supply of affordable housing. Rob Gerdes, the city’s neighborhood affairs administrator, said the plan is focused on affordable and multi-family workforce housing, with a target of 2,400 units.

He said the city is also working to increase market rate housing to keep costs down for middle class families making more than 120 percent of the AMI. Also, new zoning is making it possible to build accessory dwelling units such as mother-in-law suites and garage apartments. Last year, 30 were built.

The many-pronged effort to increase affordable housing also includes providing land on which to build. Over the next 10 years, St. Petersburg expects to get $15 million in Penny money. Gerdes said $2.7 million is available now.

This is all very positive news, but while the city, FAST, with its Pinellas-wide spiritual force, nonprofits, the county and others go about the job of trying to increase affordable housing, there will be neighbors who’ll resist. That is, until they realize that among those searching for a proper place they can afford is a son or daughter, a teacher, waiter, nurse’s aide or firefighter.



  1. Avatar

    Judy Ludin

    February 20, 2021at1:10 pm

    Great article about a serious problem. Thank you Waveney Ann.

  2. Avatar

    david weiss

    February 20, 2021at9:58 am

    Great article. I see the biggest 2 problems is 1. The long lag times to get any Permits for building or adding on to any existing unit to help folks. Now that building permit folks working from home times to receive “PERMISSION” to build has doubled in time??
    the 2nd issue is the city needs to follow other “PROGRESSIVE COMMUNITIES” in partnering with builders and the City to offer financial incentives to build lower Income housing for the Service and ALL THE important people that serve this community.
    St. Pete says Progressive and build a new PIER what about the people that work and service the “TOURISTS and OTHERS” ??

  3. Avatar

    Rose Smith-Hayes

    February 19, 2021at8:19 pm

    Thank you very much for this information.

  4. Avatar

    Georgia Earp

    February 19, 2021at5:49 pm

    Great analysis about a critical issue! A target of 2,400 units over 10 years seems inadequate, especially compared to the number of highly priced residential units that are being built each year.

  5. Avatar

    Kitty Rawson

    February 19, 2021at5:05 pm

    This is a wonderful article written by Waveney Ann Moore.She did a terrific job of capturing the human side of this crisis by talking to individuals affected by it.
    Thank you, Waveney!

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