Housing Resources
Some Facts on Indian Housing:
- Housing Needs: An estimated 200,000 housing units are needed
immediately in Indian country. (U.S. Commission on Civil Rights, “A
Quiet Crisis: Federal Funding and Unmet Needs in Indian Country,“ 2003)
- Homeless: Approximately 90,000 Native families are homeless or
under-housed. (U.S. Commission on Civil Rights, “Quiet Crisis,” 2003)
- Overcrowding: In tribal areas, 14.7 percent of homes are
overcrowded, compared to 5.7 percent of homes of the general U.S.
population. (Census Bureau, 2000)
- Plumbing: On Native American lands, 11.7 percent of residents lack
complete plumbing facilities, compared to 1.2 percent of the general
U.S. population. (Census Bureau, 2000)
- Telephone Service: Compared to the 2.4 percent of the American
population, 16.9 percent of Native Americans in tribal areas lack
telephone service. (Census Bureau, 2000)
- Indian Housing Funding: Approximately $650 million a year has been
appropriated towards Native housing over the last few years. Funds are
distributed to 575 housing entities, amounting to an average of $1.1
million per tribe. Of that funding amount, about 40 percent, or
($440,000 per tribe) goes towards new housing construction. (U.S.
Commission on Civil Rights, “Quiet Crisis,” 2003)
- Cost of New Homes: The average cost of a new home on a reservation
is $125,000. (U.S. Department of Housing and Urban Development (HUD),
2003)
- Tribes: There are 562 federally-recognized tribes, of these, 229 are
Alaska Native Villages. (Federal Register, 12-05-03; Vol. 68, No. 234)
- Total Population: There are 2.5 million Native Americans and Alaska
Natives in the United States (single race), accounting for 0.9 percent
of the total population. There are 4.3 million people (mixed race),
totaling 1.5 percent of the entire U.S. population. (Census Bureau,
2000)
- Location: A total of 34 percent of the Native population resides in
rural areas, where many reservations are located. (Census Bureau,
American Indian/Alaska Native Heritage Month, 2003)
- Income: Native Americans have the second lowest median household
income, $32,116, while whites have the highest at $46,305. (Census
Bureau press release, 9-24-2002)
- Poverty Rate: The poverty rate for Native Americans is approximately
26 percent—2.6 times higher than that for whites and more than twice the
average for all Americans, at approximately 12 percent. (Census Bureau,
2000)
- Unemployment Rate: Compared to 5.8 percent of the general U.S.
population, 13.6 percent of the workforce on reservation areas is
unemployed. (Census Bureau, 2000)
- Employment Data: A total of 56.5 percent of the population of trust
lands and reservations is in the workforce (16 years of age and older).
(Census Bureau, 2000)
- Tribes and Economic Development: The majority of tribes, a total of
361, are without gaming. (National Indian Gaming Association website,
2003)
- Mortgages Made On Trust Lands: In 2002, 354 loans were made for
Section 184, 760 loans for Section 248 and 153 loans for the Rural
Housing Service Section 502 (Direct Loans). (General Accounting Office
Report, “Native American Housing: VA Could Address Some Barriers to
Participation in Direct Loan Program,” 2002)
- Loan Foreclosure and Delinquency Rates: The foreclosure rate for
Native Americans on Section 184 loans is .011 percent, while the
delinquency rate is 7.7 percent. (HUD as of 4-21-2004)
New Federal Law Forbids Domestic Violence Discrimination in
Public Housing (January 25, 2006) Landlords often react to
domestic violence by evicting the victim of the violence.
Survivors of domestic violence or stalking who live in public or
subsidized housing gained important new protections from this
kind of discrimination when the Violence Against Women Act of
2005 (VAWA) became law on January 5, 2006.
VAWA 2005 includes important new protections to ensure that victims of
domestic violence, dating violence, or stalking living in public housing
or using federally-funded housing vouchers (Section 8 vouchers) do not
lose their housing based on the criminal acts of violence against them.
New
Housing Protections summary
Know Your Rights
H.R. 3402: Housing Protections
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Public Law
109-136: Native American Housing Enhancement Act of 2005
gives tribes the ability to exercise Indian preference in USDA housing
programs and reinstates tribal eligibility for HUD
YouthBuild funds.
Tribal Housing Code
Development Resources
HUD's Office of Native American Programs
(ONAP)
identified the need for a comprehensive Tribal Housing
Code which included eviction and foreclosure procedures. The development and
distribution of this code (which can be Downloaded
in Word format) is intended to provide tribal governments with an Outline and an Illustrative Guide for drafting their
specific tribal code requirements, and to greatly reduce the cost of designing individual
housing codes. Please note that the Tribal Housing Code included here is a revised and
updated 1999 version.
HUD's Office of Native American Programs
(ONAP) identified the need for a
comprehensive Tribal
Legal Code Project which includes not only a comprehensive revised Tribal
Housing Code, but also includes
expanded tribal legal resource materials. Tribal governments need resource
information concerning additional related tribal codes in order to
facilitate housing and community development in Indian country. These
additional related tribal codes might include zoning, land use and
planning, building, commercial, corporations, environmental review, and
probate codes. The following is an overview of the resources contained
within this Tribal Legal Code Project:
The majority of hyperlinks on
this page are linked to documents that can be found on
Code Talk, the official site of the U.S. Department of Housing and Urban Development (HUD),
Office of Native American Programs.
Code Talk's primary focus is Indian Housing and issues related to housing and community
development for Native Americans. Important ONAP links:
Office of Native American Programs
(ONAP) ensures that safe, decent and affordable housing is available to
Native American families, creates economic opportunities for Tribes and
Indian housing residents, assists Tribes in the formulation of plans and
strategies for community development, and assures fiscal integrity in
the operation of the programs.
ONAP Headquarters and Area Offices
The Office of Public and Indian Housing (PIH) ensures safe, decent,
and affordable housing, creates opportunities for residents'
self-sufficiency and economic independence, and assures the fiscal
integrity of all program participants.
The Public and
Indian Housing Information Center (PIC) allows Housing Authorities (HAs) to
electronically submit information to HUD.
In 1992, Congress established the Section 184 Indian Housing Loan Guarantee
Program. The program is designed to offer homeownership and housing
rehabilitation opportunities for eligible Native American individuals or
families, tribes, and Tribally Designated Entities (including Indian Housing
Authorities) on their native lands. To learn more about the Section 184 program
Visit Their
Webpage,
or download
brochure in Adobe PDF.
The National American
Indian Housing Council (NAIHC) is a national membership organization that promotes,
supports, and upholds tribes and tribal housing agencies in their efforts to provide
culturally-relevant, decent, safe, sanitary, and affordable housing for Native people in
American Indian communities and Alaska Native villages. This site contains information on
the council, Leadership
Institute, Membership, Technical Assistance, About NAIHC, News, Research, Conferences and Fund
Raising.
LEGI\X Company is an
advocacy and lobbing group with up to date news on
Native American Housing.
Census Briefs - Housing of American Indians on Reservations: 1990
Statistics on housing in Indian Country is available from
the 1990 Census
Report.
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