Record rent burdens batter low-income life

NORTH CHARLESTON, S.C. — To understand how rising rents punish families of modest means, look no further than the queen-size bed that Jessica Jones and her three children share in her mother’s living room, where each night brings a squirming, turning tussle for space in a house with no privacy.

Jones and her daughter Katelen, 14, anchor the sides like human bed rails, with two younger girls tucked in between. Joy is a 4-year-old featherweight, but Destaney, at 6, kicks so much that Jones binds her in a mermaid blanket. The day’s tensions lie beside them, and midnight sneezes are shared events.

After two years of doubling up, Jones longs for a place of her own. But even though she works full time for the state government, a modest apartment would consume more than half her income, a burden most landlords find disqualifying and one she could not sustain.

With $41,000 a year in earnings and child support, she is, by government definition, not poor — just homeless.

“My anxiety is through the roof,” she said. “I feel almost hopeless.”

Unaffordable rents are changing low-income life, blighting the prospects of not only the poor but also growing shares of the lower middle class after decades in which rent increases have outpaced income growth.

Nearly two-thirds of households in the bottom 20% of incomes face “severe cost burdens,” meaning they pay more than half of their income for rent and utilities, according to the Harvard Joint Center for Housing Studies.

Among working-class renters — the 20% of people in the next level up the income scale — the share with severe burdens has nearly tripled in two decades to 17%.

For both groups, the proportion with severe cost burdens has reached record highs.

“More people, higher up the ladder, are facing impossible trade-offs,” said Whitney Airgood-Obrycki, a researcher at the Harvard Center.

The federal government deems shelter affordable if it takes 30% or less of household income, a goal that only about half of the nation’s 44 million renter households meet.

In consuming half or more of a family’s income, severe rent burdens steal from essential needs like food and medicine. They destroy the ability to save. They force frequent, destabilizing moves, unsettling parents at work and children in school. They flood fragile households with stress.

“Housing insecurity ripples through every domain of family life,” said Stefanie DeLuca, a sociologist at Johns Hopkins University. “It’s this constant mental and emotional tax.”

The growing burdens coincide with the declining reach of federal housing aid. Since 2004, the number of households served by the main programs for the poorest renters — public housing, Section 8 and Housing Choice Vouchers — has fallen by 6%, the Harvard analysis found, while the number eligible has soared.

Jones, who moved in with her mother after her landlord did not renew the lease on a subsidized apartment, said the displacement had wreaked family havoc. Her mother complains that rambunctious children fill the house with noise. Katelen’s moods darkened and her grades dived. Sleepless and anxious, Jones took a medical leave, then passed out and suffered a concussion.

“I felt like I was going to die, I was so stressed out,” she said.

Similar stories abound in Charleston, which illustrates the forces that have raised housing costs nationwide. The problem is not that poverty has grown but that prosperity has spread in unequal fashion, bidding up rents and leaving behind families of modest means as federal aid declined. Jacqueline Drayton, a longtime Verizon worker, skipped meals to rent a suburban house that exhausted more than 60% of her income, then got laid off. Latoyia Cruz-Rivas thought she could handle an apartment that consumed more than half her income as a school bus driver. After an eviction proved her wrong, she lived in her car with her son and their dog.

As the Joneses’ crisis stretches into its third year, Katelen’s singing has become a source of daily conflict. As a performer at church and an arts charter school, she considers singing her greatest joy, but her grandmother calls it noise. As doors slam and tempers flare, the housing crisis spills into the driveway, where her big voice fills a parked car and she forgets how long her family has waited for shelter it can afford.

“I feel so stuck,” she said. “But singing helps me feel free.”

No Buffer

People who spend half their income for shelter have no room for error. A few canceled work shifts or an unexpected car repair can leave them short. That poses special peril in South Carolina, where landlords can evict any tenant who pays even a single month’s rent more than five days late.

Cruz-Rivas discovered the risk.

A school bus driver from Greensboro, North Carolina, Cruz-Rivas, 42, moved to Charleston during the coronavirus pandemic, drawn by significantly higher wages and a desire to distance her teenage sons, Jevon and Amon, from troublemaking friends. She did not realize that rents were higher, too. With utilities, her apartment took more than half of her income, but, she said, “I figured, ‘I’ll make it work.’”

For a while she did, if barely. But her hours shrank as more drivers returned to work after the pandemic, and Jevon’s job at Pizza Hut did not fill the gap. Federal pandemic aid staved off one eviction threat. Then came the kind of cascading misfortune that can put tenants on the street.

Her sons totaled her car. The state suspended her commercial driver’s license. In the weeks it took to reinstate it, she lacked an income, and her landlord moved to evict her.

Amon moved in with his girlfriend. A school social worker who serves homeless families, Sonya Jones, arranged motel stays and a donated car. When the motel money ran out, Cruz-Rivas and Jevon began living in the car with their dog, Koffi.

Cruz-Rivas, who takes pride in her lack of self-pity, faced the ordeal with odd cheerfulness. “There’s people in worse situations than us,” she said. They slept in a parking lot and used the restroom at the all-night convenience store where Jevon found a job.

Having survived childhood sexual abuse, she added, “I can train my mind to accept anything.”

Reclining in the car one night this fall, Cruz-Rivas scrolled through social media while Jevon watched football on his phone with Koffi at his feet.

“We just lay back and chill,” Cruz-Rivas said.

“We talk, laugh, joke,” Jevon said.

Their matching tattoos read “family first.” It would have made a homey scene if home wasn’t an old Toyota.

Cruz-Rivas switched jobs to a limousine service, where her clientele of businesswomen and bachelorettes had no idea their upbeat driver slept in her car.

An eviction record makes Cruz-Rivas a pariah in the rental market, but Jevon, now 20, joined a waiting list for subsidized housing. After months of homelessness, he landed an apartment where they can sleep without hitting the steering wheel.

‘Rent Has an Effect on Your Mental Health’

Thirty miles from the parking lot where Cruz-Rivas slept, Jacqueline Drayton has a four-bedroom house in suburban Summerville, where traffic stops for geese crossings and residents carpool in golf carts.

But she grapples with the same affordability crisis. With shelter costs consuming most of her income, Drayton, the former Verizon worker, said the burden depresses everything from her food budget to her psychological health.

“It’s nerve-wracking,” she said. “Sometimes I don’t know if I’m going to make it.”

The shortage of affordable housing may seem perennial, but the problem has changed. In 1960, shelter took 28% of the average renter’s income (though some was so bad it lacked indoor plumbing). Now it takes 41% of income — and for poor renters, 75%.

Drayton’s father, James Earl Drayton, was one of nine firefighters honored as heroes after their deaths in a 2007 fire. But she notes that he gave his life for a city with little housing she can afford.

Concerned about violence, Drayton left the city eight years ago when she was married and two incomes covered suburban rent. Divorce changed the math. With earnings of about $42,000 and little child support, she moved with four children to a house that consumed roughly two-thirds of her income.

Suddenly everything revolved around rent. She skipped meals to pay it. She used tax refunds to pay it in advance. She felt anxious before she paid the rent and depleted afterward. Her post-divorce depression deepened.

“Rent definitely took over everything,” she said. “Rent has an effect on your mental health.”

Needing back surgery this year, Drayton scheduled an unpaid leave around her tax refund, but recovery took longer than planned. She deferred other bills, borrowed from her sister and tapped retirement funds, but still fell behind.

Among the forces that may be raising rents nationwide is the emergence of large corporate landlords. Drayton rented from AMH, a public company with 60,000 homes that asked a court to put her out. Most tenants in housing court lack attorneys, but a pro bono lawyer negotiated a deal to let her move without an eviction on her record. Yet her next rental was even more expensive and owned by Cerberus Capital Management, a private equity giant, through its property company, FirstKey Homes.

After 18 years at Verizon, she was laid off amid the move, with seven months of severance pay.

Drayton’s daughter, a high school freshman, wanted to join cheerleading this fall, but the $650 fee ended the conversation. It was not a close call.

“To be honest, I go without food sometimes — just having milk and cereal,” Drayton said. “Sometimes I couldn’t even get that.”

A Consequence of Poverty, and a Cause

As a midsize city in a low-cost state, Charleston might not seem like a place with impossible housing math. But it has long drawn new residents with big housing budgets attracted to its beaches, history and food, and a surge of manufacturing jobs has swelled their ranks.

Higher housing prices at the top mean higher prices below as land values rise and gentrification quickens. Mount Pleasant, an affluent suburb, compounded the shortage of affordable shelter by banning new apartments.

“Charleston County has become a victim of its own success,” the county’s housing plan warns.

Even after adjusting for inflation, the cost of a basic two-bedroom apartment rose by a third over the past decade, according to federal estimates called fair-market rents, taking $4,600 a year from tenants of modest means.

Civic pride suffered a blow in 2018 when Princeton researchers found the city of North Charleston had the country’s highest eviction rate, a product of high rents and weak tenant-protection laws.

“Most of them are working, but it just takes one unfortunate event — ‘I was sick’ or ‘my car broke down,’” said Taylor Rumble, a lawyer with Charleston Legal Access, a nonprofit law firm that expanded its tenant work. “It’s heartbreaking, but ‘heartbreaking’ isn’t a legal defense.”

The county set aside $20 million in federal stimulus funds for affordable housing. But that is only 4% of the investment the plan said is needed.

Budget-busting rents are not just an urban problem. Three-quarters of Charleston’s low-income households (those in the bottom fifth) pay more than half their income for shelter. But the same holds true in tiny Bladen County, North Carolina (population 29,000), where low rent is offset by low pay. The share of low-income households with severe rent burdens ranges from 73% in big cities to 50% in rural areas.

Standard measures, used by the government and scholars, modestly overstate the problem because the Census Bureau’s definition of income omits some forms of aid, including food stamps and tax credits. At the request of The New York Times, Danielle Wilson and Christopher Wimer of Columbia University and Airgood-Obrycki of Harvard re-estimated rent burdens counting that aid.

For 2019, that lowered the share of households in the bottom quintile who are paying half or more of their income for shelter to 52%, from 60%. “You still have more than half the low-income population with severe burdens,” Wilson said.

Housing burdens are a consequence of poverty but also a cause. Research has shown that high rent burdens can harm cognitive development, increase delinquent behavior and reduce spending on health care and food, while evictions worsen mental and physical health and force families into worse neighborhoods.

Hope Harvey, a University of Kentucky sociologist, emphasized how much “cognitive bandwidth” housing instability consumes. “It permeates every aspect of family life,” she said. “There’s little left for anything else.”

‘A House for the Family’

It certainly permeates the life of Jones, the state worker who shares a bed with three children in her mother’s packed home. She finds it impossible to honor her mother’s demands for quiet without leaving her children feeling caged.

“It’s like walking on eggshells,” she said. “I feel like I’ve failed my kids.”

A former beautician, Jones has spent four years doing community outreach for the Special Supplemental Nutrition Program for Women, Infants and Children, or WIC. “I love, love, love my job,” she said.

But even with child support and occasional hairdressing jobs, her $41,000 income offers few options to house a family of four in Charleston.

A four-bedroom home, at fair-market rents, would deplete 70% of her income. Three bedrooms would take 56% and two bedrooms 45%. She does not think she can pay even the least of those sums, and her low credit score decreases the odds a landlord would take the chance.

Jones reached an emotional breaking point last year after she and the children caught COVID and Destaney was hospitalized. Jones took a medical leave, developed migraines and got a concussion from passing out. She is taking medication for anxiety, which she blames on the overcrowding.

“I’ve not been able to sleep — at all,” she said.

Mature beyond her 14 years, Katelen, the singer, is a co-parent of sorts, a patient caretaker of her younger siblings. But she is also an adolescent who lost her privacy at an age when it is especially prized. And the fights with her grandmother over her singing leave her both furious and tinged with self-reproach.

“I’m trying not to lash out at her because I know it’s disrespectful,” she said.

On a recent evening she escaped to the car and conjured a song of longing from “The Little Mermaid,” then switched to a gospel romp about the transformative power of the Holy Spirit.

I feel your Spirit

All over me

It’s in my hands, in my soul, down in my feet

From the back seat, Destaney supplied hand claps, backup vocals and nodding affirmation that she felt the Spirit, too. Then she fished a drawing from her first-grade backpack. It captured on paper what had eluded her in life: a house with four people and four beds.

“A house for the family,” she said.

This article originally appeared in The New York Times.