Housing is considered affordable when total housing costs do not exceed 30% of a household's monthly income. This includes rent/mortgage payments and utilities. Affordable housing must preserve existing affordable units, make housing more affordable and available, promote diversity, and help families build wealth while linking to supportive services and balanced growth. Factors limiting affordable housing production include land and construction costs, zoning laws, and community reaction. Housing policies must promote healthy families and communities. Examples of policies include the Local Housing Allowance in the UK and rental assistance programs in the United States. While rural housing is assumed to be affordable, costs of living can be high with lower incomes.

1. AFFORDABLE HOUSING concept ADVANCED URBAN DESIGN - ENAR543

11. Samples of Housing Policies Around the World