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Homebuying options remain slim for middle-income earners

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alabamareflector.com – Tim Henderson – 2025-05-23 12:01:00


Scott and Julia Whitnall, public school teachers in California, bought a modest two-bedroom house for \$509,000 after working extra jobs and compromising on size. Despite a combined \$140,000 income, they faced challenges due to high home prices and interest rates. Nationwide, moderate-income buyers—like teachers and nurses earning \$75,000 to \$100,000—can now afford only about 21% of homes, down from nearly half in 2019. Some states improve affordability by adding moderately priced housing, but gaps remain large in places like California and Hawaii. Teacher pay raises and housing assistance aim to ease affordability and retain educators, but housing costs continue to outpace salary growth.

by Tim Henderson, Alabama Reflector
May 23, 2025

This story originally appeared on Stateline. Read more Stateline coverage of housing policy across the country.

Like many moderate-income workers, public school teachers Julia and Scott Whitnall didn’t think they’d become homeowners in their early 30s. Especially in California.

“We never felt homeownership was in our cards. But we did it!” Julia Whitnall said. “We’re extremely happy.”

The couple moved May 16 to a $509,000 two-bedroom house in Ripon, east of San Francisco in the Central Valley region.

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It wasn’t easy. Despite a relatively high combined income of $140,000 from their nearby jobs, they had to compromise on size and take on extra work at summer camps to pull it off. Then they had to exercise patience as the sellers struggled to find a new home.

High interest rates and high prices in a still-competitive housing market continue to make it tough for first-time buyers, even those with good but moderate incomes.

On a national level, households making $75,000 to $100,000 — typical of teachers, nurses and skilled trades workers in many states — face a daunting lack of homes they can afford. That’s according to new research by the National Association of Realtors and Realtor.com based on listings in March of this year compared with 2024. However, the numbers showed an encouraging 20% increase in homes for sale, affordable or not.

Despite more houses for sale, those moderate-income buyers — which the report called “middle- and upper-middle-income buyers” — are much more hard-pressed to find an affordable home than they were in 2019, when almost half the homes on the market were affordable to them. This year they can afford only 21.2% of homes on the market — a slight improvement compared with 20.8% in 2024, according to the report.

It also found that a few states are improving in affordability for people in the $75,000-to-$100,000 income range. But many states are not.

The largest affordability gaps are in California, Hawaii, Idaho, Massachusetts and Montana, where such households can afford fewer than 12% of houses on the market. By contrast, they could afford about half the houses for sale in Illinois, Indiana, Iowa, Ohio and West Virginia.

There’s progress in states that are adding more housing at moderate price points: Arizona, Colorado, Delaware, Florida and Utah, according to the Realtors report.

Balanced markets

Nationwide, to get home markets back in line with moderate-income families, the United States needs 416,000 more homes for sale at or below $255,000, according to the report.

“In many places, we’re still seeing a huge mismatch between income levels and what’s available to buy for moderate-income families,” said Nadia Evangelou, the National Association of Realtors’ senior economist and director of real estate research.

“We are no longer in crisis mode, but we are still very far from where we need to be. We can’t fix it overnight. It will take years,” Evangelou said.

In many places, we’re still seeing a huge mismatch between income levels and what’s available to buy for moderate-income families.

– Nadia Evangelou, the National Association of Realtors’ senior economist and director of real estate research

Heather, who asked not to share her last name for privacy reasons, said she can’t even think of buying a house near her job on Long Island, New York. She makes more than $100,000 as a registered nurse and her family makes $170,000 with her husband’s job in building maintenance. But $4,400 in rent and $2,000 in monthly day care costs for three children have them living paycheck to paycheck.

“We can’t even afford a small car repair, let alone a mortgage in our hometown” of Ronkonkoma in Suffolk County, Heather said. Their jobs exposed her and her husband to risks in the pandemic that her neighbors avoided with remote work, she said. But she now feels like she’s in worse shape financially than she was in 2019 and considers moving away.

“All of our hard work feels like it was for nothing,” Heather said. “It’s disheartening that we can’t afford to live where we grew up, but that’s the reality we are facing.”

Some states can still be a refuge of affordability.

Ashley and Tristan Jonas bought a $252,000 house in northwest Ohio after three years of getting shut out by higher or all-cash offers. Ashley Jonas, 32, trained as a teacher but now works in skilled trades as a project coordinator for a countertop company, and the couple makes about $140,000 with Tristan Jonas’ job as a computer programmer.

“We happened to hit the market at the right time in 2025,” Ashley Jonas said. “We bid on this house just as [President Donald] Trump was announcing tariffs. I think a lot of people were holding their coin purses. We weren’t.”

Help for teachers

Teachers, who generally make less than nurses or trades workers, are particularly squeezed. Some states, facing teacher shortages in local schools, are working to raise pay. And increasingly, some schools and hospitals are providing housing to lure more teachers and nurses.

“We lose so many teachers because they can’t find housing here,” said Autumn Rivera, a 20-year teaching veteran and 2022 Colorado Teacher of the Year. Despite her experience and credentials, Rivera said she can’t contemplate buying even a townhouse in the rural resort town of Glenwood Springs, where she teaches.

Prices for those townhouses now start in the $700,000 range, more than twice what they were when she last considered buying in 2019. Rivera feels lucky to have a reasonable rent by sharing a home with its owner, but many teachers in her Roaring Fork Schools need the 117 apartments provided by the district with affordable rent, she said. The district hopes the apartments will allow teachers to save up for a home; it has also built 14 houses for staff with Habitat for Humanity and Holy Cross Energy.

One way to make homebuying more feasible for teachers is to pay them more — a strategy that paid off for New Mexico, one of the few bright spots in a different report on teachers’ inability to afford housing, which was published this month by the National Council on Teacher Quality, a research and advocacy group.

Beginning teachers in Albuquerque saw a 60% increase in pay between 2019 and 2025, which fell just short of a 65% jump in home prices, according to the report. The report credited a state law that raised teacher salaries, including starting pay, by $10,000.

“We’re dealing with the issue of teachers being able to live in the communities where they’re actually working,” said state Rep. Joy Garratt, a Democrat who sponsored a new law, signed in April, that sets higher minimum salaries for teachers effective July 1.

Detroit schools also gave teachers with advanced degrees a pay boost of up to 50% since 2019, about the same increase as home prices, according to the report from the National Council on Teacher Quality. Albuquerque and Detroit are on the report’s list of most affordable places for beginning teachers to live.

But nationally, on average, experienced teachers who started in 2019 are less able to afford a home now than when they began, according to the report.

“Teacher pay has gone up 24% in the last five years, which some might say is solid growth, and yet the increase in house for purchase has gone up 47%,” said Heather Peske, the organization’s president.

“Housing prices are critical to being able to attract and keep great teachers,” Peske said. “People will be leaving the profession trying to find something that pays enough for housing. And bottom line, kids won’t get as good an education.”

Stateline reporter Tim Henderson can be reached at thenderson@stateline.org.

Stateline is part of States Newsroom, a nonprofit news network supported by grants and a coalition of donors as a 501c(3) public charity. Stateline maintains editorial independence. Contact Editor Scott S. Greenberger for questions: info@stateline.org.

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Alabama Reflector is part of States Newsroom, a nonprofit news network supported by grants and a coalition of donors as a 501c(3) public charity. Alabama Reflector maintains editorial independence. Contact Editor Brian Lyman for questions: info@alabamareflector.com.

The post Homebuying options remain slim for middle-income earners appeared first on alabamareflector.com



Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.

Political Bias Rating: Center-Left

The content discusses challenges faced by moderate-income workers like teachers and nurses in affording housing, highlighting systemic affordability issues and advocating for solutions such as increased teacher pay and affordable housing initiatives. It emphasizes the struggles of working-class Americans in the housing market and supports policies typically favored by center-left perspectives, such as government intervention to improve housing accessibility and wage increases. However, the tone remains balanced and data-driven, avoiding partisan language or extreme positions, which positions it slightly left-leaning but largely moderate.

News from the South - Alabama News Feed

Mobile parishioners thank Archbishop Rodi ahead of new archbishop’s installation

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www.youtube.com – WKRG – 2025-09-02 22:12:30

SUMMARY: The Archdiocese of Mobile held a prayer vigil to honor Archbishop Thomas Rodi as he prepares to retire after 17 years of service. Local Catholics expressed gratitude for Rodi’s leadership and welcomed incoming Archbishop Mark S. Rivituso with optimism. Parishioners praised Rodi’s dedication and kindness, wishing him well in retirement, while expressing excitement for Rivituso’s future role. Archbishop Rodi described Mobile as a faith-filled, supportive community, confident Rivituso will thrive there. The installation of Archbishop Rivituso is scheduled for Wednesday at the Cathedral of the Immaculate Conception in Downtown Mobile.

A prayer vigil was held Tuesday evening for Mobile’s next archbishop, the Most Rev. Mark S. Rivituso. Archbishop Thomas Rodi was in attendance, and parishioners expressed their gratitude for the work he’s done in the last 17 years.

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News from the South - Alabama News Feed

Study: Alabama’s moral turpitude laws contribute to racial disenfranchisement disparities

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alabamareflector.com – Ralph Chapoco – 2025-09-02 07:01:00


Robert Cheeks, 82, voted for the first time in Birmingham’s 2025 municipal elections after spending nearly 40 years in prison under Alabama’s felony disenfranchisement laws. A new Return My Vote report reveals Black Alabamians are four times more likely than whites to lose voting rights due to felony convictions. The study found significant racial disparities in disenfranchisement rates, particularly in counties with large Black populations, like those in the Black Belt. Reinstating voting rights in Alabama is complex, often requiring pardons or certificates post-sentence. Cheeks, who obtained his certificate in 2022, described voting as a meaningful restoration of his citizenship.

by Ralph Chapoco, Alabama Reflector
September 2, 2025

BIRMINGHAM — Robert Cheeks cast a ballot in Birmingham’s municipal elections last week and received a standing ovation from poll workers.

It was the first time that Cheeks, 82, had voted. Until the most recent election, his criminal history barred him from participating in the electoral process.

“I had never voted before and it was always my wish to vote,” he said after he cast his ballot. “I had the opportunity, encouraged, to vote, and I said I want to exercise my right as a citizen in the state, and I wanted to vote because I had never voted before.”

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For Black Alabamians like Cheeks who have criminal convictions, getting the right to vote restored can be difficult, according to a new report from Return My Vote, an organization that assists people with criminal convictions with regaining their right to vote.

The study, “Alabama’s Moral Turpitude Law Disproportionately Strips Black Citizens of Their Voting Rights,” found that Black Alabamians were four times more likely to lose their right to vote than white Alabamians.

“The most basic, and most important, finding is that overall that people who were dropped from the voter file or denied registration due to felony conviction, a majority of them were Black,” said Richard Fording, a professor of political science at the University of Alabama and a co-author of the study. “Not a large majority, but over 50% of them were Black. It was about twice the percentage of the general population that is Black in Alabama, and so, of course that is alarming.”

Alabama laws generally deny the vote to those convicted of crimes of moral turpitude, a broad phrase that was subject to interpretation until the state began listing specific crimes under it in 2017. While some states automatically restore voting rights after a person completes a sentence, Alabama has a more complicated process.

While only a handful of crimes can permanently cost a person their vote, some require pardons from the Alabama Board of Pardons and Paroles. Others require a Certificate of Eligibility to Register to Vote once they have completed their sentence, which includes payment of any fines, fees and restitution.

The authors of the study studied 25,000 people removed from the voter rolls or disqualified from voting between 2017 and 2020 due to criminal conviction. Study authors were able to review the information only after the Campaign Legal Center had obtained the records after a federal judge had required the Alabama Secretary of State’s Office to release it.

Disparities

According to the study, Black men were disenfranchised at a rate of 22.4 citizens per 1,000 men of voting age. That is almost four times the rate for their white counterparts, whose rate was 6.7 citizens per 1,000.

The rate for disenfranchising Black women was 3.9 citizens per 1,000, almost twice the rate of white women, whose disenfranchisement rate was 2.1 citizens per 1,000 white women.

Counties with significant Black populations had some of the highest Black disenfranchisement rates and largest racial disparities in disenfranchisement. Seven of the 10 counties with the highest rates of disenfranchised voters are within the Black Belt. The rate for disenfranchising Black men in Monroe, more than 40% Black, was 40.6, compared to 8 per 1,000 for white men. In Perry County, with a Black population of 70%, the rate was 30 citizens per 1,000 Black men of voting age. The rate was 11.4 for white men, almost three times lower.

The disparities are less pronounced for women in the same counties, but they still exist. In Monroe County, Black women are disenfranchised at a rate of 5.6 citizens per 1,000 Black women who are at least 18 years old. For white women in that county, the rate is 2.4, less than half.

Study authors stated in the report that even though there is some uncertainty with the information because of problems collecting data, after reviewing the Uniform Crime Report data obtained from the FBI website, the findings indicated that more Blacks are disenfranchised than whites even when criminal convictions are considered.

“Nevertheless, the most important takeaway is that the disproportionate percentage of arrests for disqualifying offenses by Blacks in Alabama (42%) cannot fully account for the significantly higher percentage of Blacks disenfranchised by the state (52%) during 2017-2021,” the report states.

The study also found that Blacks have a more difficult time regaining their right to vote after they are removed from the voter rolls after getting convicted of a crime.

Authors also investigated the number of people who were removed from the voter rolls from 2017-2021 who had regained their voting rights and registered to vote once again by 2024. According to the study, 1,034 people who are Black reregistered to vote after they completed their sentence, about 8.3% of the total. That is less than the almost 13% of whites registered to vote after a criminal conviction.

The study suggested that the disparities could stem from disparities in the application of Alabama’s felony disenfranchisement law and uneven methods of voter file maintenance in the state.

“Regardless of the reason, the significant variation in county-level disenfranchisement rates calls for further investigation into how Alabama’s felony disenfranchisement law is being implemented at the local level,” the report said. “This is especially important given federal law that requires uniform implementation of state election laws across counties.”

‘It means so much’

Cheeks spent almost 40 years in the custody of the Alabama Department of Corrections after receiving a mandatory life sentence in 1985 for a robbery. Cheeks had prior convictions of forgery and assault, leading to the sentence but no one was physically injured. Cheeks spent 30 years working in the kitchen at Donaldson Correctional Facility in Bessemer without pay, according to Alabama Appleseed.

Cheeks was released in July 2022. His criminal convictions required him to obtain a Certificate of Eligibility to Register to Vote, which he applied for and received from the Alabama Bureau of Pardons and Paroles. Cheeks, with the help of supporters, then registered to vote with the Board of Registrars in Jefferson County and acquired full citizenship once again after spending nearly four decades incarcerated in Alabama’s prisons.

“It is more important now than it would have been in the first place,” Cheeks said of voting. “I have been so anxious over the years to vote. I have been hearing so much about voting, and I wanted to express my opportunity for the right to vote. It is granted to American citizens by right, and I wanted to do that. I am so thankful. It is a blessing, and it means so much.”

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Alabama Reflector is part of States Newsroom, a nonprofit news network supported by grants and a coalition of donors as a 501c(3) public charity. Alabama Reflector maintains editorial independence. Contact Editor Brian Lyman for questions: info@alabamareflector.com.

The post Study: Alabama’s moral turpitude laws contribute to racial disenfranchisement disparities appeared first on alabamareflector.com



Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.

Political Bias Rating: Center-Left

This content highlights issues of racial disparities and systemic barriers related to felony disenfranchisement in Alabama, focusing on the disproportionate impact on Black citizens. It emphasizes social justice concerns and critiques existing laws and their implementation, which aligns with a Center-Left perspective that advocates for voting rights expansion and racial equity. The tone is factual and empathetic, without overt partisan language, but the focus on structural inequalities and reform suggests a leaning toward progressive policy viewpoints.

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News from the South - Alabama News Feed

Monroe County Football Coach speaks out, calls for more support for team

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www.youtube.com – WKRG – 2025-09-02 04:45:40

SUMMARY: Monroe County High School football coach Robert Wilkerson is urging more support from parents, alumni, and the community. Since starting in April, Wilkerson has faced challenges such as low game attendance, limited adult volunteers for filming and chain crew, and a lack of trainers. He publicly expressed concerns on Facebook, emphasizing the need for people to attend games and boost team morale. Wilkerson highlights issues like outdated training equipment and lack of pride in the school. He calls for increased community involvement through their “adopt a tiger” program and donations via an Amazon wish list to improve the team’s resources.

Head Coach Robert Wilkerson says building the team starts with more people attending games and helping the young players.

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