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Figure A-46: Cost Burden by Income Level 100% -- ------ w 90%®' , p 80% ----- 70% - 70% ----- 60% ----- :1'. = 50% 0 40% ----- 30% ----- 20% ----- 10% --- 10% •' 0%-30% of AMI 31%-50% of AMI 51%-80% of AMI 81%-100% of AMI Greater than 100% of AMI ■ 0%-30% of Income Used for Housing .,30%-50% of Income Used for Housing ■ 50%+ of Income Used for Housing Notes: Universe: Occupied housing units Cost burden is the ratio of housing costs to household income. For renters, housing cost is gross rent (contract rent plus utilities). For owners, housing cost is "select monthly owner costs", which includes mortgage payment, utilities, association fees, insurance, and real estate taxes. HUD defines cost -burdened households as those whose monthly housing costs exceed 30% of monthly income, while severely cost -burdened households are those whose monthly housing costs exceed 50% of monthly income. Income groups are based on HUD calculations for Area Median Income (AMI). HUD calculates the AMI for different metropolitan areas, and the nine county Bay Area includes the following metropolitan areas: Napa Metro Area (Napa County), Oakland -Fremont Metro Area (Alameda and Contra Costa Counties), San Francisco Metro Area (Marin, San Francisco, and San Mateo Counties), San Jose - Sunnyvale -Santa Clara Metro Area (Santa Clara County), Santa Rosa Metro Area (Sonoma County), and Vallejo -Fairfield Metro Area (Solano County). The AMI levels in this chart are based on the HUD metro area where this jurisdiction is located. Source: ABAG 2021 Pre -certified Housing Needs Data (U.S. Department of Housing and Urban Development (HUD), Comprehensive Housing Affordability Strategy (CHAS) ACS tabulation, 2013-2017 release) Currently, people of color are more likely to experience poverty and financial instability as a result of federal and local housing policies that have historically excluded them from the same opportunities extended to white residents. As a result, they often pay a greater percentage of their income on housing, and in turn, are at a greater risk of housing insecurity. American Indian or Alaska Native, Non -Hispanic residents are the most cost burdened with 40.4 percent spending 30 to 50 percent of their income on housing, and Other Race or Multiple Races, Non -Hispanic residents are the most severely cost burdened with 30.5 percent spending more than 50 percent of their income on housing (see Figure A-47). A-54 I City of Pleasanton Housing Needs Assessment