Making housing happen takes people willing to stand up, speak out, do what it takes to make housing equity a reality. Just getting started? In this section you will find resources to learn more about this complex issue.

When is housing considered affordable?

Housing is deemed affordable when an individual or family pays no more than 30% of their income on housing costs including all utilities, according to the Department of Housing and Urban Development (HUD). Paying above 30% is considered ‘cost burdened’.

This threshold was determined as a rule of thumb to suggest the percentage of income needed to cover all additional expenses. Many other factors come into play to determine a family’s ability to make ends meet alongside housing costs, such as family size, age of children and total income.

What is affordable for Jefferson County workers?

A person making minimum wage ($13.69/hour) and working full time should be paying just $711 for their total monthly housing costs, including all utilities, for those costs to be affordable.

The median wage in Jefferson County in 2019 was $21.84. Half of all local wages were equal to or greater than this number, and half were equal to or less than this number. A full-time worker making the median wage should pay no more than $1,135 for their total housing costs.

The Housing Solutions Network is focused on workforce housing, often defined as housing for people making 60-120% of Area Median Income (AMI). The AMI in Jefferson County for 2021 is $67,400 for a 4 person household. 60% of this median family income is $40,400 and 120% is $80,880, which translates $19-$38 per hour. This includes nonprofit professionals, maritime industry workers, hospital staff, restaurant and hospitality workers, bank tellers and many others. Housing for these workers should have a monthly rent in the range of $1,010 – $2,020 / month.

Fair Market Rent is the rent amount, including utilities (except telephone), to rent privately owned, existing, decent, safe and sanitary rental housing of modest (non-luxury) nature with suitable amenities.

HUD Jefferson County, WA FY 2021 & FY 2020

Fair Market Rents By Unit Bedrooms

YearEfficiency (Studio)One-BedroomTwo-BedroomThree-BedroomFour-Bedroom
FY 2021 FMR$638$771$964$1,380$1,663
FY 2020 FMR$693$781$1,020$1,471$1,663
Infographic above produced by Sightline Institute

How many units do we need?

The number of housing units needed is difficult to accurately predict because we simply cannot account for the people who have moved away or never came due to housing concerns. However, the City of Port Townsend projected in their 2015 Housing Element that with population growth estimates, there is a need of 1,369 units over the next 20 years. That is nearly 350 units needed over the next five years.

As Port Townsend is just one third of the County’s population, a conservative guess is that the need is likely at least double, which would be 700 units, County-wide in the next five years.

How does housing become affordable?

Jefferson County can approach our housing challenges from many directions, and the two most obvious choices to increase our housing stock is through new construction and through making existing housing (such as ADUs, extra rooms in a home, etc.) more available.

But how do we protect the affordability?

Housing can be affordable in two main ways: naturally occurring and subsidized. Naturally occurring affordable housing is when the market offers housing (rental or homeownership) that meets the income thresholds of the area’s residents. This is primarily accomplished when costs of living (rents, housing prices) are compatible with average wages. Housing can also be made naturally more affordable through smaller units, tiny homes, boarding houses and other creative models that drive down housing costs. Unfortunately, in many communities naturally occurring affordable housing is often substandard or far from job centers, forcing workers to commute long distances to work.


Board Member build day, Habitat for
Humanity of East Jefferson County

Subsidized affordable housing is housing that is made available at below- market rates through the use of government subsidies or other private investments.  These subsidies (low-interest loans, tax credits, grants, and other funding sources) keep construction costs low, and the savings is passed on to the homeowner or renter. Other programs such as Section 8 vouchers provide aid to fill the gap between what a renter can pay at 30% of their income and rent costs for a “fair market value” apartment.

Jefferson County has very limited naturally occurring and subsidized affordable housing options. While there are organizations working to fill the gap of needed housing, much work remains to be done. Visit our Portfolio of Community Engagement and Investment Opportunities to get involved and support their work.

Want to learn more about affordable housing? Check out these resources: