Practice Test GeeksUPC - Urban Planner Certification Practice Test
← All UPC Flashcard Decks

Housing Policy & Affordable Housing Flashcards

7 cards from real UPC practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Housing Policy & Affordable Housing flashcards as text

  1. 'Workforce housing' typically refers to housing affordable to households earning:

    Answer: Between 80% and 120% of Area Median Income (AMI)

    Workforce housing targets middle-income earners—often teachers, nurses, and first responders—who earn too much to qualify for subsidized programs but too little to afford market-rate housing.

  2. Which of the following is an example of a 'supply-side' housing subsidy?

    Answer: Low-Income Housing Tax Credits (LIHTC)

    Supply-side subsidies like LIHTC reduce construction or rehabilitation costs to increase the overall stock of affordable units, as opposed to demand-side subsidies that help individual renters.

  3. A 'density bonus' in housing policy refers to:

    Answer: Allowing developers to build more units than normally permitted in exchange for including affordable housing

    Density bonuses incentivize affordable housing inclusion by permitting developers to exceed standard density limits when they reserve a required percentage of units as affordable.

  4. 'Naturally occurring affordable housing' (NOAH) is best described as:

    Answer: Older, unsubsidized rental housing that is affordable due to its age and condition rather than regulatory restriction

    NOAH properties are market-rate rentals that remain affordable due to age, modest amenities, or location—without formal affordability deed restrictions or public subsidies.

  5. Under the Fair Housing Act of 1968, which of the following is one of the seven federally protected classes?

    Answer: Familial status

    Familial status (families with children under 18) is one of the seven protected classes under the Fair Housing Act, along with race, color, national origin, religion, sex, and disability.

  6. The Community Reinvestment Act (CRA) of 1977 primarily:

    Answer: Requires federally insured banks to meet the credit needs of low- and moderate-income communities where they operate

    The CRA requires federally regulated banks to serve the credit needs of the entire communities they operate in, including low- and moderate-income neighborhoods, to prevent redlining.

  7. In affordable housing planning, 'AMI' stands for:

    Answer: Area Median Income

    Area Median Income (AMI) is the midpoint household income for a metropolitan area or county, calculated annually by HUD and used as the primary benchmark for housing assistance eligibility.