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Chicagoans live in vastly different and segregated neighborhoods with
disparate housing conditions, unequal neighborhood amenities, and
uneven access to opportunity.
Decades of discriminatory and racist housing
practices have made Chicago’s Black-white
homeownership gap the largest among the
nation’s 10 biggest metropolitan areas, according
to the Urban Institute. Though most blatantly
discriminatory housing practices have been
outlawed, inequities continue due to insufficient
enforcement, a history of disinvestment and
legacies of structurally racist policies. Mortgage
denials for Chicago homes are twice as high
for Black residents as for white residents,
according to 2019 Home Mortgage Disclosure
Act data obtained through the Woodstock
Institute. According to WBEZ from 2012-2018,
68.1% of mortgage loans went to majority-white
neighborhoods, while just 8.1% went to majorityblack
and 8.7% to majority-Latino neighborhoods.
Other ongoing challenges facing many
Chicagoans, especially in communities of color,
include housing affordability — nearly one in four
Chicago households spends more than half its
income on housing costs — and food access, with 40% of Chicago parents living in community areas
with limited access to grocery stores, according
to a Chicago Department of Public Health survey.
The Housing and Neighborhood pillar’s goals
are intended to ensure that every resident is
able to live in a stable, quality home and that
every neighborhood has diverse, affordable
and accessible housing options with access
to transit, well-paying jobs, an array of amenities
and needed services.
Chicagoans live in vastly different and segregated neighborhoods with
disparate housing conditions, unequal neighborhood amenities, and
uneven access to opportunity.
Decades of discriminatory and racist housing
practices have made Chicago’s Black-white
homeownership gap the largest among the
nation’s 10 biggest metropolitan areas, according
to the Urban Institute. Though most blatantly
discriminatory housing practices have been
outlawed, inequities continue due to insufficient
enforcement, a history of disinvestment and
legacies of structurally racist policies. Mortgage
denials for Chicago homes are twice as high
for Black residents as for white residents,
according to 2019 Home Mortgage Disclosure
Act data obtained through the Woodstock
Institute. According to WBEZ from 2012-2018,
68.1% of mortgage loans went to majority-white
neighborhoods, while just 8.1% went to majorityblack
and 8.7% to majority-Latino neighborhoods.
Other ongoing challenges facing many
Chicagoans, especially in communities of color,
include housing affordability — nearly one in four
Chicago households spends more than half its
income on housing costs — and food access, with 40% of Chicago parents living in community areas
with limited access to grocery stores, according
to a Chicago Department of Public Health survey.
The Housing and Neighborhood pillar’s goals
are intended to ensure that every resident is
able to live in a stable, quality home and that
every neighborhood has diverse, affordable
and accessible housing options with access
to transit, well-paying jobs, an array of amenities
and needed services.
