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Plymouth Housing Challenges

A consistent refrain at board and committee meetings and public forums is that  Plymouth needs to deal with "housing".  But that phrase represents different things to different people.  For some it means allowing greater density to create truly affordable housing.  For others it means limiting areas for development to stop suburban sprawl.  And for still others, it means the prevention of any new housing development in Plymouth.  As a result of these competing viewpoints, Plymouth has fallen behind in addressing the changing housing needs of our growing community.  It is time that we look beyond "absolute" viewpoints and work together to reach solutions for Plymouth that balance our goals and our needs within the framework of what is possible.

"Affordable" Housing in Plymouth

By The Numbers

Added 2/24/24  

Housing Guidelines


Federal housing assistance guidelines are based on the mean income (which is the average of a sample of incomes) of a defined geographic area, which they call the Area Mean Income (AMI).


The State has adopted the Federal AMI guidelines in order to ensure that the State, municipalities, developers, and housing applicants are eligible for Federal subsidies and tax credits.


That is particularly problematic for Plymouth, because the Federal government places us in the Boston/Cambridge area for mean income calculation. 


- As a result, for 2023, the AMI for Plymouth was $149,300.00.


“Affordability” Defined


There are 3 different categories of affordability:


Affordable: 

Based on household income which is 80% of AMI. In Plymouth for 2023, that was:

$82,950 for 1 person

$94,800 for 2 persons

$106,650 for 3 persons

$118,450 for 4 persons


Moderately Affordable:

Based on household income which is 60% of AMI. In Plymouth, for 2023, that was:

$62,340 for 1 person

$71,280 for 2 persons

$80,160 for 3 persons

$89,040 for 4 persons


Deeply Affordable:

Based on household income which is 30% of AMI. In Plymouth, for 2023, that was:

$31,150 for 1 person

$35,600 for 2 persons

$40,050 for 3 persons

$44,500 for 4 persons


“Affordable” Rents in Plymouth


Housing is considered “affordable” based on the assumption that the cost of housing (meaning either rent with utilities or a mortgage) does not exceed 30% of household income. Using AMI as the assumed household income, In Plymouth for 2023, the monthly rent limits (with utilities) in the various affordability categories, depending on unit size, were:


Affordable (80% AMI):

$2,073 for a studio

$2,221 for a 1 bedroom

$2,666 for a 2 bedroom

$3,080 for a 3 bedroom


Moderately Affordable (60% AMI):

$1,558 for a studio

$1,670 for a 1 bedroom

$2,004 for a 2 bedroom

$2,315 for a 3 bedroom


Deeply Affordable (30% AMI):

$778 for a studio (270 square feet)

$834 for a 1 bedroom (700 square feet)

$1,001 for a 2 bedroom (1,100 square feet)

$1,157 for a 3 bedroom (1,300 square feet)


The Challenge for Plymouth


All of the “affordable” 40B and 40R units built in Plymouth lease out at the Affordable (80% AMI) level.  

-     This essentially prices out anyone who actually needs assistance.


The limited number of Town developed affordable units are reserved for those at 30% of AMI level. 

-     This means that those who have even a basic income (such as young professionals, Town employees, or seniors on a pension or social security) would not be eligible.

-     As a result, we have almost no housing for those who have sufficient income to support themselves but need some modest reduction in rent. 

-     I have said that the government does not provide them with needed assistance because they are viewed as too rich to be poor and too poor to be rich.

Plymouth Housing Production Report

An Assessment of Plymouth's Housing Needs

Download PDF

Changes Needed to Promote Affordable and Sustainable Housing

A Report from the Home Builders & Remodelers Association of Massachusetts (HBRAMA)

Added 6/29/23


A new report from the Home Builders & Remodelers Association of Massachusetts (HBRAMA), Public Policy for Net Zero Homes and Affordability, centered on the Commonwealth of Massachusetts has found that the Commonwealth must take bolder steps to solve the housing affordability crisis, while simultaneously counteracting climate change, including new policies to rapidly boost construction of more energy-efficient, planet-friendly homes without pricing out the next generation of homebuyers.


During the 18-month study, researchers Payam Bakhshi, John Cribbs, Afshin Pourmokhtarian, Justin Steil, Zhengzhen Tan, and Siqi Zheng from the MIT Center for Real Estate and Wentworth Institute of Technologyanalyzed the confluence of the housing and climate crises on building costs and, consequently, housing affordability, along with the potential effects of the recently passed “net zero” residential building code in Massachusetts. They concluded that, without additional incentives or financial support, the more stringent building requirements will likely push homeownership out of reach for many more families in Massachusetts.


Public Policy for Net Zero Homes and Affordability estimates that the specialized stretch energy code is likely to increase the cost of home construction by roughly 1.8% to 3.8%–adding approximately $10,000 to $23,000 to the median cost of a single-family home, and putting homeownership out of reach for between 15,000 and 33,000 households. The median price of a single-family home in Massachusetts soared to $553,500 as of April. The researchers also estimated a 2.4% rise in construction costs for large multifamily buildings.


“When it comes to housing policy, we must balance the scales in these two vital areas–affordability and climate change. Our policymakers must avoid tilting too far in one direction to the detriment of the other,” said Jeffrey Brem, HBRAMA’s President. “Legislative and regulatory efforts at the state and local levels should be geared toward accelerating the construction of housing that is more energy-efficient but also more equitable, more attainable and more affordable to a larger pool of Massachusetts residents.”


In a survey of Massachusetts homebuilders, the researchers identified multiple obstacles hampering the construction of more affordable, energy-efficient housing, including restrictive land use rules, permitting delays, lack of clarity on financial incentives, a shortage of workers skilled in green home building, supply chain issues, and a lack of public awareness of the economic benefits of energy-efficient homes.


The researchers found there is urgency to lower carbon emissions in new residential construction in order to advance climate goals for the Commonwealth. At the same time, there is urgency to increase the affordability of housing, particularly for people with low- or moderate-incomes, in order to maintain economic growth.


The research team of Bakhshi, Cribbs, Pourmokhtarian, Steil, Tan, and Zheng identified a series of policy tools that could facilitate the production of more energy-efficient and affordable housing, including:


  • Implementing land use changes that reduce carbon emissions and increase affordability:Ironically, many of the municipalities advocating for the more stringent energy code for homebuilding have extensive large-lot, single-family land use regulations. Among other proposals, the Legislature could require that adoption of the specialized stretch energy code be combined with land use allowances such as smaller minimum lot and unit sizes, smaller setbacks, taller height limits, greater density, and more multifamily zoning.
  • Streamlining permitting and reducing utility connection delays: One option suggested by the report authors would be to waive special permit requirements for multifamily projects that meet or exceed the local opt-in specialized stretch code that requires “net zero” residential building standards.
  • Restructuring financial incentives and tax credits: Builders and homeowners alike would benefit from a streamlined application process for climate-related incentives that currently come through multiple agencies and programs.
  • Increasing technical assistance for green building: The report states that smaller builders, an important part of the housing construction industry, are limited by a lack of training and technical assistance in meeting new “net zero” requirements. The Commonwealth could invest further in workforce training and education focused on energy-efficient building techniques such as “passive house” construction that dramatically reduces energy use.
  • Expanding financing sources: Several states have created “green banks” that leverage public funding to attract private investment in clean energy projects. Massachusetts could establish its own green bank to support housing developments that are energy-efficient and affordable, while reducing the risk and equity needed for them to get off the ground.
  • Supporting low-income renters: These renters may need additional support from the state’s home energy assistance program as large multifamily buildings shift from centralized fossil-fuel burning furnaces to all-electric heating sources in individual units.
  • Creating new tax classifications and exemptions: The Massachusetts Department of Revenue could establish a new property tax classification or a new exemption for highly energy-efficient housing. The authors of the report feel this could create a durable incentive that spurs production of more energy-efficient and affordable housing.


“The study gives policymakers a blueprint for enabling the construction of new housing that is both affordable and sustainable, and swift action is needed to meet the moment and make real progress toward addressing twin existential crises facing our state,” said William H. Grogan, President of the Planning Office for Urban Affairs at the Archdiocese of Boston. “New tools can bridge a gap that too often makes constructing greener, affordable buildings impossible to finance.”


The HBRAMA study was produced by a cross-disciplinary, collaborative research team. Wentworth researchers included Associate Professors of Construction Management Bakhshi, Pourmokhtarian and Cribbs, who is also an Associate Dean. MIT researchers included Steil, Associate Professor of Law and Urban Planning; Zheng, STL Champion of Urban and Real Estate Sustainability at the MIT Center for Real Estate; and Tan, who serves as Executive Director of the MIT Sustainable Urbanization Lab. Amy Dain, a Public Policy Consultant with Dain Research in Newton, Massachusetts also advised on the project.


The study was supported by a diverse array of organizations including the Air Conditioning, Heating and Refrigeration Institute, the Building Industry Association of Washington, Cape Cod Five, Housing Assistance Corporation, Massachusetts Association of Realtors, National Association of Homebuilders, Planning Office for Urban Affairs at the Archdiocese of Boston, Propane Education and Research Council, Pulte Homes, Mitsubishi Electric, Sunpower and Toll Brothers.


Click here to access a copy of the report, Public Policy for Net Zero Homes and Affordability.

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