Showing posts with label #AffordableHousing. Show all posts
Showing posts with label #AffordableHousing. Show all posts

Friday, December 22, 2023

🏠IMSPARK: Affordable Housing Solutions for Hawaii Residents🏠

🏠Imagine... Affordable Housing Solutions for Hawaii Residents🏠

💡 Imagined Endstate:

Hawaii becomes a place where people can afford to live in quality housing that meets their needs and preferences, without sacrificing their economic and social well-being.

🔗 Link:

📚 Source: 

Ing, R. (2023, April 6). It looks like any other housing, but it’s affordable thanks to different financing arrangements. Civil Beat.

💥 What’s the Big Deal: 

Hawaii faces a severe affordable housing crisis that forces many local residents👩‍👩‍👧‍👦 to leave the state or live in substandard conditions. 🌺This article explores some of the possible solutions that have been implemented in other countries, such as co-operative housing, public loans, and prioritization of local needs.🌈These solutions could help Hawaii create more housing options that are accessible, sustainable, and community-oriented, and prevent the loss of its culture and people.



Wednesday, August 9, 2023

IMOA: Housing... A Fantasy in Paradise


(IMOA) Imagine Pacific Original Article 

Housing... A Fantasy in Paradise

By James E. Faumuina, MBA, MPA

Editor Imagine Pacific Pulse    


The cost of living in Hawaii is perennially one of the highest in comparison to the national average. This high cost of living can be attributed to various factors, but the foremost cause is housing. According to the most recent income statistics from the US Census Bureau, the median household income in Hawaii is $88,005(1) based on 2021 inflation-adjusted dollars. Though it is a significant amount of money, it is not sufficient to remedy the cost of housing. Despite having a higher income compared to the national average, many residents still struggle to find affordable housing options within their budget. The relatively high housing costs in Hawaii create a significant financial burden for households, even with an income that is above the national median.

A report titled “ALICE: A Study of Financial Hardship in Hawaii (2)” found a family of four in Hawaii needed a household income of more than $72,000(3), to afford basics like food, clothing, transportation, health care, and shelter. It identified families with income below this amount as “asset limited, income constrained, employed,” or ALICE, and an estimated 48% of people in Hawaii were living below the threshold. This situation leads to some residents being compelled to share their housing with other families in order to meet the financial demands of subsistence.

Housing challenges are the largest burden for residents and have a profound impact on the well-being and economic stability of residents in Hawaii. Affordability and overcrowding persist, making it increasingly difficult for individuals and families to secure adequate housing. The disparity between high housing costs and income levels contributes to the housing crisis faced by many residents, exacerbating the already challenging economic landscape.

The proposed rule on Fair Lending, Fair Housing, and Equitable Housing Finance(4) Plans by the Federal Housing Finance Agency (FHFA) exemplifies policy progress aimed at addressing the housing challenges that affect all states including Hawaii. This rule has garnered support from organizations such as Prosperity Now(5), a nonprofit economic advocacy entity, as they believe it will play a pivotal role in narrowing the racial wealth divide and fostering equitable housing opportunities.

The primary objective of this proposed rule is to formalize fair lending practices and bolster the oversight functions of the FHFA. It advocates for the Banks to adhere to a framework that promotes equitable housing finance. The letter underscores the critical importance of creating an equitable housing ecosystem that addresses the needs of low-income families and marginalized communities. As the state looks at the locus of control internally with Governor Green's new housing initiatives(6), in tandem new housing rules could be just in time assistance needed in order to get his plans over the finish line.

Addressing this crisis requires comprehensive efforts to increase affordable housing options, improve income levels, and promote economic opportunities for residents of Hawaii. It will be crucial to implement policies and programs that alleviate the burden of housing costs and foster a more equitable housing ecosystem. By prioritizing affordable housing initiatives and investing in the economic advancement of its residents, steps can be taken to mitigate the hardships caused by the high cost of living and create a more sustainable and inclusive community. Regardless, it goes without saying that something needs to be done now, as prices continue to rise and the reality of home for many in Hawaii is becoming more and more fantasy in paradise.

James is the owner of Imagine Pacific Enterprises and the Editor of Imagine Pacific Pulse (IMPULSE). He is a retired Lt Col, Hawaii Air National Guard. Former medical administrator, planner, program manager, and operations officer. Graduated from the USAF Air War College and is a graduate student at the University of Hawaii studying Disabilities Studies and Diversity. He can be contacted at 

Keywords#AffordableHousing, #HousingCrisis,  #FHFA, #InclusiveLiving #CostOfLiving, #HawaiiHousing,#IMOA, #FantasyInParadise,


  1. Income By Zip Code. (n.d.). Hawaii Income by Zip Code. Retrieved from
  2. United Way. (2017). United Way ALICE Report - Hawaii.
  3. Civil Beat. (2020, January). Report: Two-thirds of Hawaii Residents Struggle Financially. Retrieved from
  4. Federal Housing Finance Agency. (2023, June 26). Fair Lending, Fair Housing, and Equitable Housing Finance Plans. 12 CFR Part 1293, RIN 2590-AB29. Notice of proposed rulemaking.
  5. Prosperity Now. (2023, June 26). Letter to Clinton Jones, General Counsel, Federal Housing Finance Agency. Retrieved from
  6. Hawaii Public Radio. (2022, December 5). Governor Green Commits to Housing Initiatives and Regressive Tax Cutting.

Tuesday, August 1, 2023

🌟IMSPARK: Imagine... Addressing Housing Challenges in Hawai‘i: Building a Sustainable Future🌟

  1. 🏘️Imagine... Addressing Housing Challenges in Hawai‘i: Building a Sustainable Future🏘️ 

  1. 💡 Imagined Endstate:

  2. Imagine a future where housing challenges in Hawai‘i are effectively addressed, leading to increased affordability, improved living conditions, and sustainable communities.

  3. 🔗 Link:

  4. The Hawai‘i Housing Factbook

  5. 📚 Source:

    University of Hawaii Economic Research Organization. (2023). The Hawai‘i Housing Factbook. Retrieved from

  6. 💥 What's the Big Deal:

  7. The high cost of housing in Hawai‘i is a pressing issue that adversely affects residents' quality of life and hampers the state's workforce recruitment efforts. Some households face overcrowded living conditions, while others are forced to leave the state or experience homelessness. The release of the annual housing report by the University of Hawaii Economic Research Organization (UHERO) provides comprehensive data at the state, county, and zip code levels, facilitating informed discussions, highlighting ongoing research, and promoting a more accessible housing debate. The forthcoming online data portal empowers the public to explore and analyze the data themselves, contributing to a clearer understanding of the housing challenges. Addressing these challenges is crucial for creating sustainable communities and ensuring a brighter future for all residents of Hawai‘i.

  8. #HousingChallenges

🏥 IMSPARK.: a Thriving Pacific: Navigating the Future of Care🏥

🏥 Imagine... a Thriving Pacific: Navigating the Future of Care🏥   💡 Imagined Endstate:   A Pacific community where every individual, rega...