November 14, 2024

Families May Struggle to ‘Live Local’ on Average Firefighter, Paramedic, Educator, and Law Enforcement Officer Salaries, Report Finds

STATEWIDE, Fla. - Although the 2023 Live Local Act is supposed to boost the supply of affordable “workforce” housing in Florida,  such housing is largely unaffordable for three- and four-person families where the sole income-earner is a firefighter, paramedic, educator, or law enforcement officer, according to the latest report from Florida Policy Institute (FPI).

Workforce housing is commonly intended for households at 80 to 120 percent Area Median Income (AMI).

The Live Local Act, which includes provisions to increase funding for affordable housing — through recurring funding for private development loans, annual tax credits up to $100 million, and property tax exemptions — and expand the Hometown Heroes program, was touted by state leaders as a measure that would spur development of affordable housing for Florida’s workforce. However, FPI found that the average salary for workers in some of Florida’s most crucial public sector roles falls below 80 percent AMI if they are the sole earner.

Specifically, FPI examined salaries in 25 Metropolitan Statistical Areas in Florida and found that when it comes to workforce housing affordability for families living on a single income:

  • 16.4% of counties are affordable for a three-person family and 0% are affordable for a four-person family on the average salary of a firefighter.
  • 10.9% of counties are affordable for a three-person family and 1.6% are affordable for a four-person family on the average salary of a paramedic/EMT (out of the 64 counties where data is available).
  • 44.8% of counties are affordable for a three-person family and 38.8% are affordable for a four-person family on the average salary of an educator.
  • 31.3% of counties are affordable for a three-person family and 13.4% are affordable for a four-person family on the average salary of a law enforcement officer.

“Housing affordability is one piece of the larger issue, which is that the cost of living in Florida makes it very hard for families to thrive,” said Sadaf Knight, CEO of FPI.  “Although ‘dignity’ was a repeated virtue and goal when Live Local’s supporters were making the case for the measure, working Floridians who are single parents or living alone are often denied that dignity at ‘workforce’ AMIs.”

“While the Florida Housing Finance Corporation has used its discretion to prioritize development aimed at lower AMIs, actual, codified legislative language focused on AMIs well below 50 percent is needed to assure that more of Florida’s workforce is actually able to survive and thrive in the state,” said Cicely Hodges, policy analyst at FPI and author of the report.

FPI makes several recommendations for making the Live Local Act more equitable, including:

  • Codifying language to lower the AMI ranges or reserving a portion of the funding — separate from tax credits, property taxes, and Florida Housing Finance Corporation Discretion — for lower AMI levels.
  • Designating a recurring portion of the future Live Local allocations to go to local governments through the Statewide Housing Initiatives Partnership program to specifically target lower AMIs or to construct housing affordable to house public workers.
  • Apportioning money to local governments to be used as housing vouchers and property insurance-related gap financing to compensate for the shortfalls.

The report also notes that even though "workforce” housing typically means housing for families with income from 80-120 percent AMI, the definition leaves out the many workers with income below this threshold.

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