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100% <br />90% <br />N <br />� 80% <br />0 <br />70% <br />60% <br />0 <br />= 50% <br />w <br />O 40% <br />w <br />ami 30% <br />a`> 20% <br />a <br />10% <br />0% <br />Figure A-48: Cost Burden by Household Size <br />All other household types Large Family 5+ persons <br />■ 0%-30% of Income Used for Housing 30%-50% of Income Used for Housing <br />■ 50%+ of Income Used for Housing <br />Notes: <br />Universe: Occupied housing units <br />Cost burden is the ratio of housing costs to household income. For renters, housing cost is gross rent (contract rent plus utilities). <br />For owners, housing cost is "select monthly owner costs", which includes mortgage payment, utilities, association fees, insurance, <br />and real estate taxes. HUD defines cost -burdened households as those whose monthly housing costs exceed 30% of monthly <br />income, while severely cost -burdened households are those whose monthly housing costs exceed 50% of monthly income. <br />Source: ABAG 2021 Pre -certified Housing Needs Data (U.S. Department of Housing and Urban Development <br />(HUD), Comprehensive Housing Affordability Strategy (CHAS) ACS tabulation, 2013-2017 release) <br />When cost -burdened seniors are no longer able to make house payments or pay rents, <br />displacement from their homes can occur, putting further stress on the local rental market or <br />forcing residents out of the community they call home. Understanding how seniors might be cost - <br />burdened is of particular importance due to their special housing needs, particularly for low- <br />income seniors. Almost 70 percent of seniors making less than 30 percent of AMI are spending <br />the majority of their income on housing. For seniors making more than 100 percent of AMI, 88.3 <br />percent are not cost burdened and spend less than 30 percent of their income on housing (see <br />Figure A-49). In total, over one-third of seniors are cost burdened. <br />A-56 I City of Pleasanton Housing Needs Assessment <br />