Dwellings

City of San José Housing Department

Dwellings is a podcast from the City of San José Housing Department, where we discuss ending homelessness, building affordable housing, and housing policy at the City and State level with local experts in the field. Theme music: "Speed City," composed and performed by Etienne Charles, courtesy of San Jose Jazz.

  1. 1D AGO

    Episode 37: Incentivizing the Housing of Tomorrow

    Inclusionary Housing Ordinance (IHO) - a local policy that requires developers to include a portion of affordable units in new residential projects or pay a fee instead, helping cities ensure mixed-income communities. Area Median Income (AMI) - a measure of the average household income in a region used to determine eligibility for affordable housing programs and to set rent or price limits. Market-rate housing - housing rented or sold at prices determined by the open market, without income restrictions. Missing middle housing - includes housing types like duplexes, triplexes, and townhomes that fall between single-family homes and large apartment buildings and are often more affordable. Entitlement process - the phase where a developer gets approvals from a city for a project’s design, density, and use before construction can begin. Workforce housing - typically refers to housing affordable to moderate-income earners such as teachers, nurses, and service workers, often within a defined AMI range. Incentive programs are financial or regulatory benefits offered by cities, such as fee reductions or tax waivers, to encourage developers to build housing that might otherwise be too costly. Podium construction refers to mid-rise buildings where residential units are built on top of a concrete base, typically used for parking or retail, and is generally cheaper than high-rise construction. Office-to-residential conversion is the process of transforming underused commercial buildings into housing units, though it depends heavily on building design and feasibility. Predevelopment refers to the early stages of a project, including site acquisition, financing, design, and approvals, all of which involve significant time and risk before building starts. Administrative burden describes the time, cost, and complexity associated with complying with regulations, paperwork, and program requirements in housing development.

    33 min
  2. 06/16/2025

    Episode 33: Closing the Gap in Affordable Housing Financing

    Affordable Housing - The U.S. Department of Housing and Urban Development defines “affordable housing” as housing on which the occupant pays no more than 30 percent of gross income for housing costs, including utilities.Gap Financing – is the last funding required to cover a shortfall in capital needed to develop otherwise shovel-ready affordable housing projects. The City of San José’s Housing Department functions as a gap financer and shall be the last funder needed in an affordable housing deal. Learn more on our Gap Financing Program Regulation Page.RFP – Request for Proposals(RFP) is a document that announces a project and invites qualified vendors to submit proposals outlining how they would fulfill the project's requirements. Essentially, it's a formal way for an organization to solicit bids and select the best vendor for a specific project or service. Learn more on our Rolling RFP/NOFA page.CDLAC - The California Debt Limit Allocation Committee (CDLAC) was created to set and allocate California’s annual debt ceiling and administer the State’s tax-exempt bond program to allocate the debt authority. CDLAC’s programs are used to finance affordable housing developments for low-income Californians, build solid waste disposal and waste recycling facilities, and to finance industrial development projects. Learn more on their website.AMI - is the Area Median Income(AMI) for a specific geographic area, meaning half the households in that area earn more, and half earn less. It's a crucial benchmark for determining eligibility for various housing programs and subsidies. Calculate your AMI on the Housing Choices website.

    19 min

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About

Dwellings is a podcast from the City of San José Housing Department, where we discuss ending homelessness, building affordable housing, and housing policy at the City and State level with local experts in the field. Theme music: "Speed City," composed and performed by Etienne Charles, courtesy of San Jose Jazz.