The City of Meriden is centrally located along I-91 in the State of Connecticut. It is 22 miles from Hartford, 20 miles from New Haven, 90 miles from New York, and 120 miles from Boston. Meriden is still known as the "Silver City" as it once was the home to a number of silverware manufacturing firms. The City presently operates under a City Manager-Mayor form of government.

Action Plan

The City of Meriden 5-Year Consolidated Plan identifies local strategies to address priority community problems and issues in the areas of housing and non-housing community development needs. The One-Year Action Plan provides the City's proposed use of approximately $1.1 million of Community Development Block Grant funds to implement the strategies identified in the 5-Year Consolidated Plan. The primary use of these funds is directed at inner-City neighborhood revitalization efforts to rehabilitate housing, prevent and eliminate slum and blighting influences, and improve the quality of neighborhood life.

Citizen Participation

The City's formal process for the development of its Plan began in January 1995. The City's Community Development Office was the lead agency responsible for the development of the Consolidated Plan. In conjunction with the Office, and City's Neighborhood Rehabilitation Board reviewed several recent local planning efforts such as the "Vision for a Better Meriden" report, the Mayor's Inner Core Task Force plan, the Gang Prevention Coalition report, the City's former CHAS, the Meriden Housing Authority Comprehensive Grant Plan, Healthy Meriden 2000 survey, and the United Way Needs Assessment. In addition, special presentation meetings were held with representatives of public and private organizations on key elements of the Plan. Four public hearings were held on the Plan and the One-Year Action Plan. The process culminated with City Council approval of the Consolidated Plan and the One-Year Plan in May 1995.

Meriden is a small, though densely populated, urban community. It is approximately 24 square miles geographically and had a population of 59,479 in 1990, making it the 14th most densely populated community in the State. Population projections for the year 2000 show a no growth rate or an actual decline of 1 to 3%.

Meriden's population remains predominantly white, non-Hispanic (81.5%), however there was an actual 3.3% decline in the total aggregate number of whites during the last decade. Its minority population (17.6%), principally its Hispanic population, has grown. The Hispanic population went from 8.2% to 13.7% in the same period. Further, Meriden continues to maintain a substantial elderly population (19% 60+years), which is primarily white.

In terms of income characteristics, in 1990 Meriden's median household income was $36,211, its median family was $41,910, and its per capita was $15,618. As such, Meriden was ranked 23rd lowest in median income and 24th lowest in per capita income of the State's 169 towns and cities. In further comparison, 44% of Meriden's households and 49% of its family households have incomes in excess of $30,000, while comparable state-wide figures were 53% and 63% respectively. While the percentage of persons at or below the poverty level has remained constant (7.3%), Meriden is ranked 8th in the State in terms of the percentage of its residents who are AFDC recipients.

As to other income characteristics, the non-family median household income ($20,995) is considerably less than the median household ($36,211) and family household ($41,910) incomes. Further, renter households and minority households exhibit lower overall income levels. In 1990, 38.2% of all Meriden households were at or below 80% of the HUD median income guidelines and 23.3% were at or below 50% of the guidelines. Whereas 25.8% of owner-occupant households were at or below 80% of the median and 12% at or below 50%, 56.9% of renters were at or below 80% and 40% at or below 50%. For Black households the percentages were 44.1% and 27.2% respectively, and for Hispanic households it was 63.6% and 44.9% respectively.

As can be seen in the attached maps, the City's inner-city neighborhoods contain concentrations of its low and moderate income and minority persons. These neighborhoods also contain concentrations of its renter households, its older housing stock, its multi-family type residential structures, and are the most densely populated.

Meriden economically, has exhibited a substantial unemployment rate, which typically runs two to four points above the Statewide averages. In analyzing labor market data, Meriden has had a minimal growth in local employment opportunities and has experienced a "complementary reversal" between the numbers of manufacturing and non-manufacturing jobs within the non-agricultural employment sector. Specifically, in 1947, Meriden had some 20,290 total non-agricultural jobs of which 14,210 were placed in manufacturing and 6,080 were in non-manufacturing. In 1980, it had some 20,780 non-agricultural jobs, of which 5,320 were in manufacturing and 15,470 were non-manufacturing. Meriden, for many years, has progressively gone from a community which was a center for area employment to one where the percentages of persons commuting to Meriden for employment and the percentages of Meriden residents finding employment locally has declined. Today, a majority of residents find their employment outside of the City.

Conditions

The collapse of the real estate market and the downturn in the economy have impacted Meriden's inner-City neighborhoods dramatically in the past few years. Property values have dropped dramatically and households' income have stagnated and/or declined. As a result, foreclosures have escalated, the number of vacant and abandoned buildings has mushroomed, and the repair and upkeep of properties have noticeably declined as property owners find it difficult, if not impossible, to access conventional financing due to lack of equity or ability to take on additional debt. These are same neighborhoods which have an aging infrastructure in need of repair and improvement, are the most densely populated, and contain structures on minimal lot sizes. Further, these are the neighborhoods beset by increased gang and drug activity and are experiencing the related crime and violence.

Other significant development issues include the limited amount of vacant, developable land remaining in Meriden. As an older urban community, much of its land area has already been developed which has obvious consequences for potential future residential and commercial growth. Besides limited land Meriden has several vacant former industrial sites which have environmental concerns for reuse. Housing and Community Development Needs

The most critical problem confronting the community is the recent, noticeable decline of Meriden's inner-City neighborhoods. Not only in response to the problems afflicting these areas, the City recognizes these are the very same neighborhoods which contain concentrations of the City's low and moderate income renter and homeowner households, its minority populations, its oldest housing stock, much of its public and privately managed assisted housing, and its least utilized economic development potential. Therefore, the City recognizes that the revitalization of these areas will benefit the populations of Meriden who are struggling the most with the adverse effects of a poor economy and housing market, and are most in need of assistance and support to maintain a quality of life.

The City further recognizes beyond the health of the inner-City, that its special populations (low-income renters, homeless, youth, elderly, and Hispanic community) and the community at-large have needs which cannot be overlooked. The needs include expansion of affordable housing opportunities, improvement of quality of life, and development of economic opportunities.

Housing Market Conditions

According to the 1990 Census, Meriden had 24,826 housing units of which 14,071 were owner occupied, 9,169 were renter occupied, and 1,586 were vacant. Relative to comparable sized communities and its neighboring communities, Meriden continues to have a relatively large percentage of rental units (40%).

As to the unit size distribution of Meriden's housing stock, owner-occupant type housing is predominately 3 or more bedrooms. Relative to rental type housing units, 46.6% were two-bedroom units, 34.4% were 0 to 1 bedroom units, and 19% were 3+ bedroom units. Meriden has an older housing stock with 38.1% of all units in buildings 40 years and older. The median year of construction for all units is 1957. As a comparison, 29.7% of all Meriden units were built in 1939 or earlier, whereas for the State, it was 25,5% and for New Haven County it was 27.6%. Further, a large percentage or 63% of the 40+ year units are located in Meriden's inner-city neighborhoods.

As to price or cost characteristics, in 1990 for rental units the median gross rent was $533 and the median contract rent was $453. Meriden's rent structure continues to be less or more affordable relative to other communities. As to owner occupied type housing, in 1990 the median value of a single family home was $145,600 and for an owner occupied, multi-family home the average value was $132,313. As with rental housing costs, the cost of owner occupied housing in Meriden, relative to other communities, continues to be less or more affordable.

In the present real estate market the best estimate of the true market value is a minimum of 20% less, with some estimates going as high as a 30 to 40% decline. The present depressed real estate market is a problem affecting the rehabilitation of housing. With the decline of housing market value, numerous property owners, both owner-occupants and investor owners, have lost equity in their properties and some are actually in a negative-equity position. This situation inhibits the obtaining of financing by property owners to rehabilitate or repair their properties.

In terms of the condition of Meriden's housing stock, until recently, it was basically in sound condition. Meriden has maintained a fairly aggressive housing and fire code enforcement program during the previous years. However, there has been a noticeable increase in the number of structures identified as appearing vacant or abandoned. The present count is some 200 structures. Based on information available, a substantial number of these are the result of foreclosure actions.

In examining the market data, two other interesting housing characteristics evidencethemselves. First, a substantial amount of Meriden's rental units are in its older 2-4 unit, multi-family type housing structures. 40 - 45% of Meriden's non-assisted rental units are in its older, multi-family 2 - 3 unit type structures. In addition, it is estimated that 60% or more of these multi-family structures are owner-occupied.

In Meriden, over the past decade, most new residential housing construction has been directed at owner-occupant type housing. It is anticipated that the trend for new construction will continue to be toward owner-occupants.

Affordable Housing Needs

The 1990 census identified some 9,169 renter households in Meriden. Overall, 40% of all renters were experiencing some form of housing problems, principally cost burden. 60% of all renter households are at or below 80% of the median income guidelines. The principal need for rental households are rental assistance and affordable housing options.

The small related family household and the all other household are the two largest segments of the renter household population. Though the large related family household is the smallest segment of renter households, it evidences the highest degree of housing problems, 63%. While the large family is not only experiencing cost burden problems, it is also exhibiting the highest degree, 34%, of overcrowding problems.

Moreover, as might be expected, the lower the renter household income the higher the degree and severity of the cost burden problem. Renter households at or below 50% of the median income have the highest degree of cost burden problems, and those between 0-30% of median have the greatest incidence of severe cost burden, or paying in excess of 50% of their income for rent. Minority renter households, and especially the Hispanic renter households, have a greater incidence of being extremely low and low income, and are therefore evidencing a higher degree of housing cost burden problems.

According to the 1990 census there were some 14,071 owner-occupant households. Overall 26% of owners were at or below 80% of the median income, and 24% of all owners were experiencing housing problems, primarily cost burden. The elderly comprise the overwhelming majority of owner households at or below 50% of the median, especially in the 0-30% income bracket, and are evidencing substantial cost burden problems.

In addition to cost burden, owner-occupant households are experiencing the loss of equity in their property which makes obtaining credit financing for repairs difficulty if not impossible. Owner occupants are in need of rehabilitation assistance. As the cost of housing in Meriden is relatively affordable, there are opportunities for renters to become homeowners. These households are in need of downpayment assistance and homeownership counseling.

Homeless Needs

In Meriden, the principle facility and service provider for the homeless is the St. Vincent DePaul Homeless Shelter. The Shelter presently has an 85 bed capacity. It is designed to accommodate both singles and families. The facility is basically configured to handle 35 single males, 12 single females, and up to 38 women and children as family accommodations. The Shelter on its second floor, has 18 SRO type bed units. The Shelter uses these units as a living situation for those in danger of becoming homeless and/or a transitional situation. In addition, there is a Homeless AIDS Residence project. The facility has a maximum capacity of six beds and is designed for single individuals. The other principle services relating to the homeless are the soup kitchen/lunch program operated by the Salvation Army facility, the Catholic Family Services' "Homeless with Child" program, which provides counseling and assistance with locating permanent housing, and the MCAA's Eviction Prevention Program.

The Shelter's utilization rate has increased over the past two years from approximately 75% to 80%. Based on this utilization rate, on any one day, there are some 68 sheltered homeless persons in Meriden. The number of unduplicated persons using the shelter's services has increased and indicates an annual number of some 770 unduplicated persons in a 12 month period. On an average day, there will be 8 families using the shelter. The typical family is an adult female with two children. Of the single adults using the shelter approximately 77% are adult males.

Of the age distribution of the sheltered homeless population, approximately 34% are at or below 17 years of age, 27% between 18-34 years of age, 31% between 35-50 years, 6% between 51-59 years, and 2% 60+ years. Of the total population served, approximately 40% are white, 30% black, and 30% are Hispanic.

In terms of major source of income upon admission, there has been a marked increase in the percentage of those who were receiving AFDC or General Assistance. In 1991 approximately 41% were receiving AFDC or General Assistance, whereas recently this has increased to nearly 70%. Likewise, the percentage of those on SS/SSI has increased from 8% to 16%.

As to the immediate cause for the loss of housing, an eviction of some type (52%) was the most prevalent. Of these evictions, most or 80% were evictions from family or friends' residents, the balance were by formal eviction proceedings. As to other immediate causes, 7% were family abuse or domestic violence, 6% to de-institutionalization, 7% loss of income, 6% new to area, and 5% disaster victims.

Presently, there is no formal transitional housing program for the homeless.

Public and Assisted Housing Needs

In Meriden there are some 978 units of publicly managed assisted housing, 395 Section 8 and/or State Rental Assistance vouchers and some 1214 units of privately managed assisted housing. In addition there are presently some 1,700 active CHFA home mortgages, 10 units of State financed co-op housing, and 12 units of State financed housing managed by the local YMCA.

Demand for family-assisted housing in either the housing developments or Section 8 is evidenced by a current waiting list of some 850 persons, approximately 550 for the housing developments and 300 for Section 8. Of these, some 300 households meet one or more of the Federal preferences.

As to rehabilitation needs of the Federal housing developments, the Meriden Housing Authority's Comprehensive Grant Program Plan identifies nearly $6 million of needed physical improvements over a 5 year period. Mills Memorial, Chamberlain Heights, and Community Towers are the three housing developments covered under their Comprehensive Grant Program. In terms of the State assisted housing developments, Yale Acres, Willow Court, and Johnson farms, the Authority hopes a $1.2 million State grant bond request will be approved in order to undertake kitchen cabinet, plumbing fixtures, and window and door improvements at there developments.

The commitment period on a number of the privately managed assisted units is about to expire. There is a need to monitor these units in order to maintain them within the City's affordable housing portfolio.

Other special populations which have housing and supportive needs are victims of domestic violence, deinstitutionalized persons with emotional or psychological problems, and the elderly and frail elderly.

Barriers to Affordable Housing

A major factor which inhibits both residential and commercial growth in Meriden is its limited vacant, developable land. The cost of such land for residential purposes, and limited number of possible building sites for major business enterprises is a problem for the City in terms of its future growth.

One of the difficulties encountered locally in terms of accomplishing housing activities is limited resources. Meriden is not an entitlement community under the HOME program, and, therefore, the City and any local organization in order to access such funds must do so through the State Department of Housing.

Another inhibiting factor is that while Meriden has a number of agencies organizations involved in housing activities, the staff size or capacity of the organization limits the number of projects and/or activities which they can successfully pursue and implement at any one time.

An area of public policy, which appears to be having a negative effect on households relative to housing, is actually beyond local control. Limited increases and/or reductions in General Assistance payments and welfare benefits are making it increasingly difficult for persons to maintain their housing as evidenced by the growing number of welfare recipient who are utilizing the local homeless shelter.

Fair Housing

The City is presently under no court orders or HUD sanctions as they relate to the provision of assisted housing or fair housing activities. In accordance with the Housing and Community Act requirements and regulations regarding Consolidated Community Planning and Development Program, the City will undertake a Fair Housing Analyst during the coming year as required.

Lead Based Paint

According to a State used methodology for determining the potential number of children at risk to lead, Meriden was ranked 8th in the total number estimated children at high risk. As another indicator of the potential lead hazard, 85% or 21,230 of all Meriden's housing units were built prior to 1980.

While the potential for lead hazards is substantial, the actual known or identified number of cases is relatively low on a per annum basis, however the total number to date shows a much larger problem. The Meriden Health Department has tested some 800 children per year over the past three years. From this testing approximately 25 cases per year were identified at 20+ ug/1 blood level. In addition approximately 20 cases per year are identified at 10 to 19 ug/l blood level. However, taken cumulatively, there have been 75 cases at 20+ ug/l and 51 cases at 10-19+ ug/l over the three year period.

Other Community Development Needs

The City recognizes the need for employment assistance programs for female-headed households, developmentally or challenged persons, and welfare recipients. The City recognizes the need to assist and support outreach, counseling, nutrition, and job assistance programs and services for its large Hispanic minority population It recognizes the need to continue efforts to assist households access primary health care services and the need to continue efforts to reduce the incidence of substance abuse and teen pregnancy within the community.

The City recognizes the need to assist victims of sexual abuse and sexual assault. It recognizes the need to continue efforts to assist individuals become literate.

When possible, the City recognizes the need to assist local agencies with the renovation of their facilities in order to maintain and expand their services, the need to assist organizations with making their facilities handicapped accessible, and the need to improve its park and recreation facilities and expand its open space assets.

Within its financial capabilities, the City recognizes the need to continue the improvement and upgrade of the community's sidewalks, roads, bridges, water treatment facilities, schools, etc. in order to maintain the quality of life, local property values, and economic competitiveness.

The City recognizes the need for economic development in order to diversify its local economy, expand its tax base, and increase job opportunities.

Housing and Community Development Objectives and Priorities

The City of Meriden's Consolidated Plan for Housing and Community Development defines three priority areas of activities, programs, and policies for addressing community needs. The three priority strategy areas are: 1. Strategies for Inner-City Neighborhood Revitalization; 2. Strategies for Special Populations; Renters with Severe Cost Burden; Public and Assisted Housing; Homeless; and Other Special Populations; 3. Strategies for General Community Development Needs.

Each priority strategy area contains objectives which address the three national strategy goals of providing decent housing, providing a suitable living environment, and expanding economic opportunities. The City of Meriden recognizes, while it has defined three priority strategy areas, that they are not separate, or isolated strategies. The City believes and acknowledges these strategies are inter-related, and impact, reinforce, and contribute to each other to achieve the common goal of a viable, vibrant City of Meriden.

A principal thrust of Meriden's strategies is the physical improvement and maintenance of its existing housing stock. Based on data, Meriden presently has an ample supply of housing, especially rental. Of its non-assisted rental housing, most of it is contained in the City's older, multi-family, 2 - 4 unit residential structures. While the City recognizes the maintenance, rehabilitation of this housing will not directly relieve cost burden problems for rental households, the loss of this housing would eventually tighten the market and lead to higher rental rates.

Further, in light of the City's limited, developable land, the new construction of rental housing to relieve the cost burden problems of the low and extremely-low income households does not appear to be a viable option. Therefore, the City believes the most effective means to relieve the severe cost burden problems of the extremely low and low income renter households, and prevent this group from becoming homeless, is the securing of rental assistance certificates and/or vouchers.

Housing Priorities

1. Maintenance and rehabilitation of the existing housing in the inner-City, and the publicly and privately manager assisted housing.

2. The strengthening and proactive enforcement of local and State housing codes.

3. Promotion and development of Homeownership opportunities.

4. Provision and expansion of financial assistance to rehabilitate housing and develop homeownership opportunities.

5. Provision of financial assistance to rental households experiencing severe cost burden problems.

6. Removal and reduction of slum and blighting influences.

7. Repair and improvement of the local infrastructure.

8. Provision of housing needs for the homeless, victims of domestic violence, and emotionally/ psychologically challenged.

Non-Housing Community Development Priorities

1. Improvement of safety and security.

2. Reduction of gang involvement and provision of needed youth services.

3. Promotion and development of neighborhood organization and cohesion to empower these residents.

4. Reduction and prevention of lead poisoning.

5. Continued services which enable persons to maintain an independent living status.

6. Reduce the violence and assist the victims of sexual abuse and assault.

7. Reduce illiteracy.

8. Assist persons access necessary medical care.

9. Continued services which enable Hispanic persons participate in economic and housing opportunities available in the community.

10. Reduce Substance Abuse and Teen Pregnancy.

11. Diversify the local economy, increase the tax base, and expand job opportunities, especially in the central core of the City.

12. Provide job training and assistance to populations which have particular barriers to employment.

Anti-Poverty Strategy

The City recognizes the interrelationship between housing and economic opportunities and the need to pursue both in order to assist households attain self-sufficiency. It is recognized, in order to maintain a stable, appropriate shelter environment and exercise realistic options for various housing opportunities, that households must have sufficient income to achieve these goals. Conversely, in order to avail themselves of economic opportunities and enhancement, households must have a stable, affordable living situation.

As such, the City sees its housing efforts and economic development activities as complementary, reinforcing strategies to reduce poverty and achieve self sufficiency. The City also recognizes, other supportive services such as day care, safety, health care, and viable neighborhoods are needed to enable households to pursue their housing and economic opportunities.

Housing and Community Development Resources

The CDBG program is the primary federal financial resource which the City directly administers. The City of Meriden is not an entitlement community for HOME funds. The other primary federal resources locally received are provided to the Meriden Housing Authority under the Comprehensive Grant Program and its Section 8 budget authority reservations.

Other Federal housing programs which have been used locally are the Section 202 program, Emergency Shelter Grants, and Department of Energy programs. In terms of State programs, the State's DOH Rental Assistance program, Home Ownership Assistance, Housing for the Homeless, Neighborhood Preservation, and Limited Equity Co-op programs have been utilized. Further, the Emergency Shelter Security Deposit and Eviction Prevention programs have been used. Both CHFA's Home Mortgage, Multi-Family Rental, and DOH Downpayment Assistance Programs have been used.

The network of local social service organization receive funding support from the Department of Social Services, Department of Mental Health, Department of Vocational Rehabilitation Services, Department of Health and Addiction Services, and DCYS.

Through the Office of Policy and Management, the City has utilized Drug Enforcement and Safe Neighborhood monies to enhance safety and security, and it has received federal COPS AHEAD grant assistance.

Coordination

Meriden's City Council will have the ultimate responsibility for the allocation of CDBG funds and the City's local resources for the implementation of projects and activities.

The City of Meriden Community Development Office, by virtue of its statutory responsibilities for the administration of Community Development Block Grant funds, is responsible for gathering the information and data from the various organizations involved in housing and community development activities.

The City's five person Neighborhood Rehabilitation Board will have the principal responsibility for overseeing and coordinating Inner-City Revitalization activities.

The City's Economic Development Task Force, reviews and reports on economic development activities.

The Meriden Housing Authority's five person Board of Directors, has the authority and responsibility for coordinating and implementing public housing projects.

In the community at large, Community Vision, Inc., will continue their efforts to identify community needs and act as the facilitator to bring groups the organizations together to undertake projects or tasks to address those needs. The Gang Prevention Coalition will continue to coordinate and assess their efforts to meet the needs of youth. The coalition of health care providers, Healthy Meriden 2,000, will continue their planning efforts to identify issues and develop solutions for local health care needs. A steering committee will be established to oversee the Americorps program.

Description of Key Projects

The City of Meriden's Action Plan outlines the proposed use of approximately $1.1 million of CDBG funds.

1. Strategies for Inner-City Neighborhood Revitalization Most of the City's CDBG-21 funds are allocated for activities which address this area of the Strategic Plan. The Projected amount of total funding is $916,230.00.

a. Provision of Decent Housing and Physical Improvements
i. Maintenance and Rehabilitation of Existing Housing
$403,000 for the NPP Loans and Grants Program.
ii. Code Enforcement and Compliance
$183,900 for Housing Code Enforcement and $17,500 for Housing Legal Services
iii. Promotion of Owner Occupancy
NPP Grant Loans and Grant funds are utilized for the First-time Homebuyer Program
iv. Removal and Reduction of Slum and Blighting Influences
$200,000 for Demolition of Hazardous Structures
v. Infrastructure Improvements
$10,000 Lincoln Terrace Improvements
b. Enhancement of the Living Environment and Quality of Life
i. Safety and Security
6,500 for Community Policing
ii. Gang Prevention and Youth
$60,300 reserved for Gang Prevention Coalition summer and year round activities
$2,000 Big Brothers/Big Sisters
$5,000 Silver City Boxing Program
$3,500 City Park Neighborhood Youth Program
$10,000 Youth Services Program
$2,000 Cadet Civil Air Patrol
c. Economic Development - Downtown
$2,500 Downtown Mural Improvements
$10,000 119 West Main street

a. Provision of Decent Housing
i. Housing for Victims of Domestic Violence
$5,000 Battered Womens Shelter
$5,000 Transitional Living
b. Provision of a Suitable living Environment and Enhancement of Quality of Life
i. Elderly and Frail Elderly
$2,000 Adult Day Care Transition
c. Expand Economic Opportunities and Self-Sufficiency
i. Special Population Job Training
$39,000 Mobile Work Crew
$5,000 YWCA Open DOHR Program
$40,000 Workfare Training Program

a. Provision of a Suitable Living Environment
i. Hispanic Population
$10,000 Casa Boricua Operations
ii. Violence
$3,000 Sexual Assault Crisis Service
$5,000 Coordinated Crisis Intervention
iii. Public Facilities
4,000 Easter Seal Rehab. Facility
$10,000 Child Guidance Clinic Facility
b. i. Day Care
$5,000 Catholic Family Services
$10,000 YWCA Day Care

Location

As identified in the projects description, most of the CDBG funds are for activities directed at the inner-City areas of the City.

Housing Goals

Highlights of the City of Meriden's housing goals for the first year include rehabilitating 150 housing units, housing code inspections of 1800 units, demolition of 12 dilapidated structures, and securing 50 new rental assistance vouchers.

Maps

MAP 2 depicts points of interest and low-moderate income areas.

MAP 3 depicts points of interest, low-moderate income areas, and minority concentration levels.

MAP 4 depicts points of interest, low-moderate income areas, and unemployment levels.

MAP 5 depicts points of interest, low-moderate income areas, unemployment levels, and proposed HUD funded projects.; in addition: a table provides information about the project(s).

MAP 6 depicts neighborhood streets and proposed HUD funded projects, as described in the table under MAP 5.