Affordable housing.
Everyone’s talking about it.
But what exactly is it?
It’s complicated.
One person who does understand affordable housing — its definitions, regulations, ambiguities and nuances — is Michelle Perillie.
The other day I headed to Town Hall, for a tutorial from the town’s Planning & Zoning director. Here’s what I learned.
Any discussion of affordable housing starts in Connecticut with “8-30g.” If less than 10% of a town’s housing stock is classified as affordable, it can be subject to 8-30g.
The statute allows developers to build housing that otherwise might be denied by munipal zoning regulations, unless there is a “significant” health or safety concern.

One of Westport’s newest 8-30g projects — 122 Wilton Road, at Kings Highway North — opened last fall. All 19 units are deemed affordable.
Towns can apply for moratoriums — usually 4 years — if they add a certain number of units, showing significant progress to their stock.
Moratoriums are awarded on a points system. Different points are given for different types of units, at different income levels. There is a difference too between points for government funded projects, and those that are simply deed restricted.
While some cities and larger communities have met the 10% goal, most smaller towns have not.
Westport had a moratorium from March 5, 2019 through March 4, 2023.
Affordable housing is generally defined as costing no more than 30% of a household’s income, at 80% of the area median income, and is deed restricted to remain affordable for a specific period of time.
However, only housing built after 1990 — when 8-30g took effect — is considered, when making affordable housing calculations. That means certain units do not count.

Westport currently has 424 units designated as affordable housing. That’s 3.97% of our 10,567 dwelling units (2020 census).
8-30g requires calculations for affordable income and housing costs be based on whichever is lower: the state median income, or area media income. Here, the state median income of $124,600 is lower, so that is what’s used.
There’s a complex formula, involving studio, or 1-, 2- and 3-bedroom units, along with units rented at 40%, 60% or 80% of maximum monthly housing costs.
The lowest unit — a studio at 40% of maximum monthly housing costs — would be $697 a month. The most expensive — a 3-bedroom at 80% — would rent for $2,217.
Maximum family income allowable would be $34,888 for a single person at 40% of state median income. The highest income to qualify would be 6 people at 80%: $115,629.
Which brings us back to dwelling units in Westport.
Nearly 90 units qualify under 8-30 because they are government funded. The biggest is Canal Park near Kings Highway North, with 50 units.

Canal Park offers affordable housing for seniors, near downtown.
There are 17 units on Wassell Lane, 8 overseen by Homes with Hope on Saugatuck Avenue, 6 in CLASP homes at 4 sites, and others scattered throughout town.
Many more units are deed restricted. There are 93 units at Hidden Brook and Sasco Creek Village on Post Road East, near Stop & Shop; 78 at Hales Court; 29 at 1177 Post Road East, opposite Greens Farms Elementary School, 19 at the new 122 Wilton Road building, and others on Post Road East, Riverside Aveneu, West End Avenue, Cross Street, Bradley Lane, Belden Place, Oakview Lane, Crescent Park, Myrtle Avenue and Church Lane.
The 6 units at Susie’s House — the former Project Return home for young women on Compo Road North, now run by Homes with Hope — are also deed restricted.

Susie’s House, on Compo Road North, welcomed its first residents in April.
There are 2 units that might not be expected, on Crooked Mile Lane and Cross Highway. Both were formerly illegal accessory apartments that have been converted to affordable housing units.
Certain units that seem affordable do not count, however, for technical reasons. Among them: 36 units at The Saugatuck, on Bridge Street.
Westport is adding points toward its next moratorium, with 4 projects approved, and under construction. There are 78 affordable units on Hiawatha Lane Extension, 22 at 85 Post Road West, 3 at 785 Post Road East, and 2 at 259 Riverside Avenue.

Construction on Post Road West will include affordable units.
Another 6 units have been approved, but are not yet under construction, on Ketchum Street and at 1620 Post Road East.
Westport is addressing its affordable housing neds in many ways. The 2017 Plan of Conservation and Development recommends steps like:
- Supporting and encouraging the Westport Housing Authority in their efforts.
- Considerng ways of integrating affordable and workforce housing in future projects.
- Supporting and encouraging non-profit organizations — for example, Homes with Hope and CLASP — that help address housing needs.
The 2022-2027 Affordable Housing Plan also outlines many ways Westport can work toward creating more diverse housing.
Over many previous years, the Planning & Zoning Commission has adopted regulations to promote a variety of housing choice and opportunities, while striving to maintain the scale and integrity of the town that attracted residents here.
The diversity of housing types includes accessory apartments within single-family homes, and as separate buildings; apartments in areas like the Post Road, Saugatuck and downtown; supportive housing; group homes for seniors and youth, and cluster housing.
Some have already been built. Some are under construction, or in planning stages.
All will continue to be discussed, as part of Westport’s ongoing discussion of the complex, confusing — but very important — topic of affordable housing.
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