Howard County
Fast Facts:
- Howard was home to 335,411 people and had 125,809 housing units in 2022. Since 2010, Howard has added an average of 3,900 people and 1,300 housing units per year.
- Twenty-eight percent of households were renters and 45 percent of renters had unaffordable housing costs.
- Howard built 1,212 units in 2023; an estimated 1,714 units are needed annually to meet future housing demand. Cumulatively, Howard has produced at least 1,933 units since 2022.
Policy Status
Solving the region's affordable housing crisis requires a portfolio of policies to preserve existing affordable housing, produce more housing, and protect people from discrimination and displacement.
Right of First Refusal
- Howard County
Preservation Inventory - Subsidized
- Howard County
Preservation Inventory - Unsubsidized
- Howard County
Rental Assistance Demonstration
- Howard County
Energy Efficiency Upgrades for Homeowners
- Howard County
Energy Efficiency Upgrades of Affordable Housing
- Howard County
Housing Outcomes
Local jurisdictions submitted data to enable the region to track housing production, preservation, and rental affordability.
Amount of Housing
Number of units built by type
Note: The City of Baltimore reported total units built in 2022.
Affordability of Housing
Share of units affordable to households with low incomes
Housing Cost: Lowest
Units built affordable to households with incomes 0-29.9% of area median
Housing Cost: Low
Units built affordable to households with incomes 30-49.9% of area median
Housing Cost: Low-Middle
Units built affordable to households with incomes 50-79.9% of area median
Building Permits for New Construction
Number of units permitted by type
Note: Baltimore County and the City of Baltimore did not report building permits.
Affordable Housing in Development
Number of units
Note: Baltimore County and the City of Baltimore did not report on the development pipeline in 2023.
Affordable Housing Preservation
Number of units preserved as committed affordable by type
Note: Baltimore County did not report on preservation activity in 2023 and the City of Baltimore did not report in either year.
Structural Racism
Discriminatory actions and racist public policies have produced inequitable outcomes for Black, Indigenous, and people of color in the Washington region, including lower incomes and wealth, lower homeownership rates, and higher rates of housing cost burden.
Income
Average household income by race and ethnicity, 2018-22
Note: Categories are not mutually exclusive. People identifying as Hispanic may also be represented in other bars except white.
Source: American Community Survey
Homeownership
Homeownership rate by race and ethnicity, 2018-22
Note: Categories are not mutually exclusive. People identifying as Hispanic may also be represented in other bars except white.
Source: American Community Survey
Homebuying
Share of mortgage originations by race and ethnicity, 2022
For first-lien owner-occupied home purchases of 1-4 unit dwellings
Note: Categories are mutually exclusive, borrowers identifying as Hispanic are not also represented in a race category. For mortgages with an applicant and a co-applicant, if they identify the same way they are captured in that category, otherwise if they have different identities they would be included in the Indigenous or Multiple race category.
Source: Home Mortgage Disclosure Act
Credit Denials
Ratio of denial rates for mortgages between white borrowers and borrowers of color, 2022
For first-lien owner-occupied home purchases of 1-4 unit dwellings
Note: If White borrowers and borrowers of Color were denied mortgages at the same rate we would expect to see a ratio equal to 1. Values under 1 indicate that borrowers of Color have higher denial rates than White borrowers.
Source: Home Mortgage Disclosure Act
Housing Cost Burden
Renter households paying more than 30% of their monthly income in rent, 2018-22
Note: Categories are not mutually exclusive. People identifying as Hispanic may also be represented in other bars except white. Households paying more than 30 percent of their monthly income in housing costs are considered to be cost burdened.
Source: American Community Survey Public Use Microdata Sample (PUMS)
Housing Context
Understanding how household incomes relate to the supply of affordable rental and homeownership units will inform jurisdictions' efforts to meet the current and future housing needs of residents.
Household Income
Distribution of households by income level relative to the area median income, 2018-22
Note: Income categories reflect HUD Income Limits by household size for 2022.
Source: American Community Survey Public Use Microdata Sample (PUMS)
Change in Household Income
Change in households by income level relative to the area median income, 2008-12 to 2018-22
Note: Incomes are in 2022 dollars. Income categories reflect HUD Income Limits by household size for 2022.
Source: American Community Survey Public Use Microdata Sample (PUMS)
Renter Housing Supply by Cost
Renter housing units by monthly housing cost, 2018-22
Note: Rental costs include the contractual monthly rent payment plus any additional costs to the tenant for utilities and fees.
Source: American Community Survey Public Use Microdata Sample (PUMS)
Change in Renter Housing Supply by Cost
Change in renter housing units by monthly housing cost, 2008-12 to 2018-22
Note: Costs are in 2022 dollars. Rental costs include the contractual monthly rent payment plus any additional costs to the tenant for utilities and fees.
Source: American Community Survey Public Use Microdata Sample (PUMS)
Housing Cost Burden
Renter households paying more than 30% of their monthly income in rent, 2018-22
Note: Households paying more than 30 percent of their monthly income in housing costs are considered to be cost burdened.
Source: American Community Survey
Deeply Affordable Units
Estimated number of public housing units and vouchers relative to renter households with incomes below 30% of area median, 2018-22
Note: Estimated number of units and vouchers is for 2022. Vouchers include federally-funded Housing Choice Vouchers and locally-funded vouchers where information was available. Income is for 2018-22 and based on the 2022 HUD Income Limits by family size.
Source: American Community Survey Public Use Microdata Sample (PUMS); HUD Picture of Subsidized Households 2022; and HUD HCVP Power BI Dashboard
Need for Accessible Units
Number of households with one or more people with a disability by income level relative to the area median, 2018-22
Note: Income categories reflect HUD Income Limits by household size for 2022. People will a disability includes those with cognitive disabilities, physical or self-care disabilities, ambulatory disabilities, independent living difficulties, vision disabilities, or hearing disabilities.
Source: American Community Survey Public Use Microdata Sample (PUMS)
Homeowner Housing Supply by Cost
Owner housing units by monthly housing cost for a first-time homebuyer, 2018-22
Note: Costs for owner housing were calculated as the monthly payment for a 30-year fixed rate mortgage for 90 percent of the market value to the unit, along with estimates of other monthly costs including mortgage insurance, taxes, utilities, and fees.
Source: American Community Survey Public Use Microdata Sample (PUMS)
Affordable Homebuying
Share of mortgage originations to households with moderate incomes and below, 2022
For first-lien owner-occupied home purchases of 1-4 unit dwellings
Source: Home Mortgage Disclosure Act
Potential Homebuyers
Number of potential homebuyers with low or moderate incomes by race and ethnicity, 2018-22
For renter households with a head of household age 45 years or younger and incomes between 50-120% of AMI
Note: Categories are mutually exclusive, borrowers identifying as Hispanic are not also represented in a race category. Income categories reflect HUD Income Limits by household size for 2022. Renter households with a head of household under age 22 were excluded.
Source: American Community Survey Public Use Microdata Sample (PUMS)
