This is one of those weaponized words whose meaning is made murky by activists. It often means low-income housing. It doesn't mean I am entitled to afford a place on Sunset Cliffs in San Diego making low pay in "sunshine dollars." This is complicated issue.
So first, some definitions. According to the federal Department of Housing and Urban Development (HUD), "Families who pay more than 30 percent of their income for housing are considered cost burdened and may have difficulty affording necessities such as food, clothing, transportation and medical care. An estimated 12 million renter and homeowner households now pay more than 50 percent of their annual incomes for housing. A family with one full-time worker earning the minimum wage cannot afford the local fair-market rent for a two-bedroom apartment anywhere in the United States."
A more comprehensive view comes from the Center for Neighborhood Technology's H+T Index, which captures housing plus transportation affordability. Metro Phoenix's H+T costs average 49%, vs. a 68% national average and 46% in pricey Seattle and 55% in San Diego. The research center states, "The traditional measure of affordability recommends that housing cost no more than 30% of household income...However, that benchmark fails to take into account transportation costs, which are typically a household’s second-largest expenditure. When transportation costs are factored into the equation, the number of affordable neighborhoods drops to 26% (nationally).
The National Low Income Housing Coalition's annual Out of Reach report drills deeper. For example, to afford central Phoenix's 85003 ZIP Code requires an average hourly wage of $20.38 for a two-bedroom apartment. Maryvale takes $17.69 an hour (working full time). The once middle-class south Scottsdale's 85257 takes $23.08.
Now we're getting close to the problem in metro Phoenix.