Community
What if universal rental assistance were implemented to deal with the housing crisis?
A significant number of American families facing unaffordable rents are living in motels. While many believe a housing shortage causes high rents, experts suggest that expanding rental assistance is more effective. Making subsidies available to all eligible low-income households could tackle this affordability crisis significantly.
What if universal rental assistance were implemented to deal with the housing crisis?
Alex Schwartz, The New School and Kirk McClure, University of Kansas
If there’s one thing that U.S. politicians and activists from across the political spectrum can agree on, it’s that rents are far too high.
Many experts believe that this crisis is fueled by a shortage of housing, caused principally by restrictive regulations.
Rents and home prices would fall, the argument goes, if rules such as minimum lot- and house-size requirements and prohibitions against apartment complexes were relaxed. This, in turn, would make it easier to build more housing.
As experts on housing policy, we’re concerned about housing affordability. But our research shows little connection between a shortfall of housing and rental affordability problems. Even a massive infusion of new housing would not shrink housing costs enough to solve the crisis, as rents would likely remain out of reach for many households.
However, there are already subsidies in place that ensure that some renters in the U.S. pay no more than 30% of their income on housing costs. The most effective solution, in our view, is to make these subsidies much more widely available.
A financial sinkhole
Just how expensive are rents in the U.S.?
According to the U.S. Department of Housing and Urban Development, a household that spends more than 30% of its income on housing is deemed to be cost-burdened. If it spends more than 50%, it’s considered severely burdened. In 2023, 54% of all renters spent more than 30% of their pretax income on housing. That’s up from 43% of renters in 1999. And 28% of all renters spent more than half their income on housing in 2023.
Renters with low incomes are especially unlikely to afford their housing: 81% of renters making less than $30,000 spent more than 30% of their income on housing, and 60% spent more than 50%.
Estimates of the nation’s housing shortage vary widely, reaching up to 20 million units, depending on analytic approach and the time period covered. Yet our research, which compares growth in the housing stock from 2000 to the present, finds no evidence of an overall shortage of housing units. Rather, we see a gap between the number of low-income households and the number of affordable housing units available to them; more affluent renters face no such shortage. This is true in the nation as a whole and in nearly all large and small metropolitan areas.
Would lower rents help? Certainly. But they wouldn’t fix everything.
We ran a simulation to test an admittedly unlikely scenario: What if rents dropped 25% across the board? We found it would reduce the number of cost-burdened renters – but not by as much as you might think.
Even with the reduction, nearly one-third of all renters would still spend more than 30% of their income on housing. Moreover, reducing rents would help affluent renters much more than those with lower incomes – the households that face the most severe affordability challenges.
The proportion of cost-burdened renters earning more than $75,000 would fall from 16% to 4%, while the share of similarly burdened renters earning less than $15,000 would drop from 89% to just 80%. Even with a rent rollback of 25%, the majority of renters earning less than $30,000 would remain cost-burdened.
Vouchers offer more breathing room
Meanwhile, there’s a proven way of making housing more affordable: rental subsidies.
In 2024, the U.S. provided what are known as “deep” housing subsidies to about 5 million households, meaning that rent payments are capped at 30% of their income.
These subsidies take three forms: Housing Choice Vouchers that enable people to rent homes in the private market; public housing; and project-based rental assistance, in which the federal government subsidizes the rents for all or some of the units in properties under private and nonprofit ownership.
The number of households participating in these three programs has increased by less than 2% since 2014, and they constitute only 25% of all eligible households. Households earning less than 50% of their area’s median family income are eligible for rental assistance. But unlike Social Security, Medicare or food stamps, rental assistance is not an entitlement available to all who qualify. The number of recipients is limited by the amount of funding appropriated each year by Congress, and this funding has never been sufficient to meet the need.
By expanding rental assistance to all eligible low-income households, the government could make huge headway in solving the rental affordability crisis. The most obvious option would be to expand the existing Housing Choice Voucher program, also known as Section 8.
The program helps pay the rent up to a specified “payment standard” determined by each local public housing authority, which can set this standard at between 80% and 120% of the HUD-designated fair market rent. To be eligible for the program, units must also satisfy HUD’s physical quality standards.
Unfortunately, about 43% of voucher recipients are unable to use it. They are either unable to find an apartment that rents for less than the payment standard, meets the physical quality standard, or has a landlord willing to accept vouchers.
Renters are more likely to find housing using vouchers in cities and states where it’s illegal for landlords to discriminate against voucher holders. Programs that provide housing counseling and landlord outreach and support have also improved outcomes for voucher recipients.
However, it might be more effective to forgo the voucher program altogether and simply give eligible households cash to cover their housing costs. The Philadelphia Housing Authority is currently testing out this approach.
The idea is that landlords would be less likely to reject applicants receiving government support if the bureaucratic hurdles were eliminated. The downside of this approach is that it would not prevent landlords from renting out deficient units that the voucher program would normally reject.
Homeowners get subsidies – why not renters?
Expanding rental assistance to all eligible low-income households would be costly.
The Urban Institute, a nonpartisan think tank, estimates it would cost about $118 billion a year.
However, Congress has spent similar sums on housing subsidies before. But they involve tax breaks for homeowners, not low-income renters. Congress forgoes billions of dollars annually in tax revenue it would otherwise collect were it not for tax deductions, credits, exclusions and exemptions. These are known as tax expenditures. A tax not collected is equivalent to a subsidy payment.
For example, from 1998 through 2017 – prior to the tax changes enacted by the first Trump administration in 2017 – the federal government annually sacrificed $187 billion on average, after inflation, in revenue due to mortgage interest deductions, deductions for state and local taxes, and for the exemption of proceeds from the sale of one’s home from capital gains taxes. In fiscal year 2025, these tax expenditures totaled $95.4 billion.
Moreover, tax expenditures on behalf of homeowners flow mostly to higher-income households. In 2024, for example, over 70% of all mortgage-interest tax deductions went to homeowners earning at least $200,000.
Broadening the availability of rental subsidies would have other benefits. It would save federal, state and local governments billions of dollars in homeless services. Moreover, automatic provision of rental subsidies would reduce the need for additional subsidies to finance new affordable housing. Universal rental assistance, by guaranteeing sufficient rental income, would allow builders to more easily obtain loans to cover development costs.
Of course, sharply raising federal expenditures for low-income rental assistance flies in the face of the Trump administration’s priorities. Its budget proposal for the next fiscal year calls for a 44% cut of more than $27 billion in rental assistance and public housing.
On the other hand, if the government supported rental assistance in amounts commensurate with the tax benefits given to homeowners, it would go a long way toward resolving the rental housing affordability crisis.
This article is part of a series centered on envisioning ways to deal with the housing crisis.
Alex Schwartz, Professor of Urban Policy, The New School and Kirk McClure, Professor of Urban Planning, University of Kansas
This article is republished from The Conversation under a Creative Commons license. Read the original article.
Lifestyle
P.F. Chang’s Partners With Starlight Children’s Foundation for New “Spirit of the Zodiac” Giving Campaign
P.F. Chang’s launches Spirit of the Zodiac, a giving campaign supporting Starlight Children’s Foundation with Bao plush purchases and in-restaurant donations.
P.F. Chang’s Launches Spirit of the Zodiac Campaign to Support Starlight Children’s Foundation
P.F. Chang’s is launching a new annual charitable initiative designed to bring comfort to children during hospital stays. The Scottsdale-based restaurant brand announced Spirit of the Zodiac, a giving program inspired by the Chinese zodiac, with its inaugural campaign—Year of the Fire Horse: Spirit of Strength—benefiting Starlight Children’s Foundation.
What the campaign supports
Starlight Children’s Foundation serves more than 800 children’s hospitals nationwide, providing programs such as toy deliveries, hospital gowns, gaming stations, and other experiences intended to help kids feel more comfortable, connected, and supported during medical care.
How guests can participate (Sept. 2–Sept. 30)
From September 2 through September 30, 2026, guests can purchase Bao, a limited-edition horse plushie, for $10 through dine-in transactions at participating P.F. Chang’s restaurants (while supplies last). For each Bao purchased, P.F. Chang’s will donate an identical Bao plushie to Starlight for distribution through its hospital network—up to 20,000 donated plushies.
Guests can also support the campaign by rounding up their checks or making a direct donation in restaurant. The overall effort aims to raise $500,000 to support Starlight’s work with children and families.
Bonus offer for donors
P.F. Chang’s says guests who purchase Bao or make an in-restaurant donation of $10 or more to Starlight will receive an offer for a complimentary appetizer with the purchase of an entrée on a future dine-in visit, valid through October 31, 2026 (restrictions apply; participating locations only).
A story component for families
The campaign also includes a storytelling element: Bao’s journey will be featured in a digital story and an original children’s book by author Jenny Liao and illustrator Adriane Tsai, expected to publish later this month.
What to watch for
P.F. Chang’s and Starlight plan to continue the partnership beyond September, including in-hospital catering and plush deliveries in early October.
For more information, visit www.pfchangs.com/offers/spirit-of-the-zodiac. To learn more about the partnership, visit starlight.org/pfchangs.
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Community
9/11 Day Awards $3 Million in Grants to Expand Volunteer Opportunities Nationwide Ahead of 25th Anniversary
9/11 Day announced $3 million in grants to nearly 200 groups across 40 states, expanding service projects for the 25th anniversary observance.
As the United States approaches the 25th anniversary of September 11, 2001, the nonprofit 9/11 Day is putting major resources behind a familiar idea with renewed urgency: remembrance through service. The organization—founded by 9/11 families and leaders and co-led by co-founders David Paine and Jay Winuk—announced $3 million in grants to roughly 200 nonprofits, schools, and community groups across 40 states to expand local volunteer projects tied to this year’s September 11 National Day of Service and Remembrance.
The funding is designed to dramatically increase the number of ways Americans can participate close to home, from food insecurity initiatives to neighborhood cleanups and support programs for veterans and first responders. Together, grant recipients are expected to engage more than 70,000 volunteers nationwide.
A major push toward youth-led service
More than 70% of the grant funding is going to youth organizations and educational institutions, including K–12 schools, universities, and other learning programs. The emphasis reflects a generational reality: millions of students today know 9/11 primarily through textbooks, family stories, and classroom lessons.
“For many students participating in the observance this year, 9/11 is something they’ve only encountered in textbooks or through stories from parents and grandparents,” said Jay Winuk, co-founder and executive vice president of 9/11 Day and a 9/11 family member. “By connecting history with hands-on service, we’re helping young people understand that the legacy of 9/11 isn’t defined only by tragedy. It’s also defined by compassion, resilience and the responsibility we all share to care for one another.”
Youth-focused projects supported by the grants include school-wide days of service, hunger-relief efforts, donation drives, community improvement work, and service-learning initiatives that connect the history of September 11 with practical ways to help others.
UNIITE for Good: turning an anniversary into a nationwide “doing good” moment
The grant program is a cornerstone of 9/11 Day’s nationwide UNIITE for Good campaign, scheduled to officially launch August 24. The campaign aims to transform the 25th anniversary into what organizers describe as America’s largest day of doing good—channeling remembrance into tangible community impact.
The program is administered in collaboration with AmeriCorps, with principal funding provided by AmeriCorps and the Popeyes Foundation. A special emphasis this year is addressing hunger—an issue described in the release as an “ever-growing hunger crisis across the nation.”
Meeting community needs where people live
Grant-funded projects span urban, suburban, and rural communities. Activities include assembling meals for individuals and families facing food insecurity, packing care kits for veterans and first responders, restoring community spaces, and strengthening schools and neighborhoods.
Beyond the service itself, the grants are also intended to help local groups recruit volunteers, purchase supplies, coordinate logistics, and expand the number of service opportunities available in their areas.
“As we mark the 25th anniversary of 9/11, we have a responsibility to preserve not only the memory of that day and those lost and injured, but also the extraordinary way Americans came together in the aftermath of the attacks,” said David Paine, president and co-founder of 9/11 Day. “These community-led projects are helping rekindle that spirit of unity, compassion and service by bringing neighbors together to help solve local challenges.”
AmeriCorps echoed that message, framing service as a way to honor those who responded in the immediate aftermath of the attacks.
“This year, we invite Americans to carry forward that enduring spirit of unity and service by becoming a hero for someone in need,” said Emily Stock, project manager for Volunteer Initiatives at AmeriCorps, noting that AmeriCorps-funded projects will include food drives, home repairs, neighborhood cleanups, and disaster preparedness activities.
The Popeyes Foundation also highlighted its community-focused mission and its role in supporting local projects.
Why this anniversary matters now
Organizers say the 25th anniversary arrives at a pivotal moment: more than 100 million Americans are now too young to have personal memories of September 11. That makes this milestone one of the last major opportunities to connect those who lived through the day with younger generations learning about it as history.
Examples of grant-supported efforts include:
- Marshall University, which plans to build on its existing 9/11 Days of Service tradition, including a Memorial Stair Challenge and volunteer projects supporting veterans, first responders, and families in need.
- Middlebury Elementary School, which will expand hands-on service activities that teach younger students about 9/11 through compassion and community action.
- University of South Dakota, where students will work alongside community partners to address local needs while learning how service can bridge backgrounds and perspectives.
How to get involved
A full list of 2026 9/11 Day Grant Program recipients is available through 9/11 Day. To learn more about the September 11 National Day of Service and Remembrance—and to find ways to participate—visit 911day.org.
STM Daily News will continue tracking community service initiatives and local observances tied to the 25th anniversary as September approaches
Community
Kia and its Dealers Expand Community Giving Nationwide
Expand Community Giving Nationwide: Kia announced its fifth annual “Accelerate the Good” dealer match program, which supports St. Jude Children’s Research Hospital. The program also donates to other organizations that make a positive impact in their communities.
Kia and its Dealers Expand Community Giving Nationwide
(Feature Impact) Families often arrive at St. Jude Children’s Research Hospital with a tough road ahead. Their child has been diagnosed with cancer, and they’re navigating a complex treatment plan. One thing that families don’t have to worry about is how they’ll pay for this upheaval to their lives. In 2026, Kia donated $2 million to St. Jude to help ensure families don’t receive a bill for medical costs, housing or food during treatment.
Watch this video to learn more
Kia announced its fifth annual “Accelerate the Good” dealer match program, which supports St. Jude Children’s Research Hospital. The program also donates to other organizations that make a positive impact in their communities.
Donations from a network of nearly 800 dealers support organizations such as No Kid Hungry, Toys for Tots, Operation Homefront and several other groups dedicated to children’s health, hunger relief, disaster response and veterans’ well-being. Kia employees also lead volunteer efforts to benefit community pantries, beach cleanups and clothing drives.
“The continued success of our ‘Accelerate the Good’ initiative reflects the shared commitment of Kia and our nationwide retailer network to invest in the communities we serve,” said SeungKyu (Sean) Yoon, president and CEO of Kia North America and Kia America. “Together, we are proud to support organizations that deliver lifesaving care, strengthen families, fight hunger and create meaningful opportunities for people across the country.”
Ahead of September’s Childhood Cancer Awareness Month, Kia and its dealers have reached an important milestone: more than $7.7 million donated to St. Jude Children’s Hospital in four years. The donations are part of Kia’s broader community giving initiatives.
To learn more about how Kia is accelerating good in their communities, visit kia.com.
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