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Ken Harwood Advocating for Wisconsin HarwoodKen [at] gmail.com Cell 608.334.2174
Commentary Leonardo Silva Architect Leonardo Silva Architecture is a La Crosse based studio practice focused on timeless design solutions and sustainable practices; for homeowners, builders and contractors alike. ...Full Story Here 
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Republicans want lower property taxes and less regulation. Democrats
emphasize funding affordable housing development programs and renter
rights. Both want to incentivize developers to build cheaper options. The median price of a home in Wisconsin rose nearly 120% over the past decade, from $155,000 to $337,000 according to data from the Wisconsin Realtors Association.
But median Wisconsin incomes have increased only about 50% in that time period, illustrating just one of the reasons why voters and politicians are increasingly concerned about a housing affordability crisis.
Past bipartisan efforts at the Capitol have worked to address these issues. In 2023, the Republican-led Legislature and Democratic Gov. Tony Evers dedicated more than $500 million in the biennial budget toward several loan programs at the Wisconsin Housing and Economic Development Authority aimed at creating new affordable housing, rehabilitating homes and transitioning space in commercial buildings... ...Full Story Here Ken Notes: We need to allow communities design neighborhoods that support affordable workforce housing. Smaller lots, smaller homes, quality manufactured units, infrastructure assistance, help with interest rates, owner occupied, nice amenities, partner with developers and builders. Also remember each community is different, a solution for Milwaukee will and should look dramatically different that a solution for rural Wisconsin.
The current "Affordable Housing Programs" are not addressing the need for affordable workforce housing. We need more quality homes for service, retail, and entry level employees that allow them to build equity through ownership. Keep the math simple if 50K is a fair living wage then $ 1,250 is a fair housing payment (30%). So assuming your entire $1,250 monthly payment is for the principal and interest @ %6.5, you can afford a home loan of approximately $200,000ish.

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 LA CROSSE (WKBT) -- A La Crosse nonprofit organization has secured more than $750,000 in federal funding to expand its efforts to house people experiencing homelessness in the community.
Couleecap announced Tuesday it received $751,926 in Federal HUD funding for their Permanent Supportive Housing program, which takes a "Housing First" approach to addressing homelessness.
The Housing First model prioritizes getting people experiencing homelessness into stable housing first, then provides individualized case management, mental health support, substance use recovery support, job training and other resources to help them maintain that housing... The Brief• Couleecap receives $751,926 in Federal HUD funding for their Permanent Supportive Housing program • The program uses a "Housing First" approach, providing stable housing before addressing other needs • In the past year, Couleecap helped 327 people experiencing homelessness, with 48 using the PSH program ...Full Story Here 
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 GREEN BAY (WLUK) -- An urban barn has long been part of plans for a new neighborhood that`s being built on Green Bay`s east side. The city is now considering paying for the barn with ARPA funds originally set aside to increase affordable housing options. Between Walmart and the Kroc Center, work continues on the 26 acres of land JBS donated during the COVID-19 pandemic that will include a variety of housing, a destination playground and the urban barn. “It’s
really designed to be a real food transformation hub for our community,
and really linking community health, economic development, workforce
development and food all in a central location,” said Natalie Bomstad,
executive director of Wello, a nonprofit focused on community health...
...Full Story HereLeo’s notes: Green Bay’s east side redevelopment shows how housing can anchor broader community well-being. As the city weighs ARPA funding for an “urban barn” within the new JBS Park neighborhood, the project illustrates that affordable housing doesn’t stand alone—it flourishes when paired with access to food, jobs, and shared community spaces. With 95 workforce apartments underway and more planned, Green Bay is redefining how local investments can connect housing, health, and opportunity in ways that strengthen both families and the local economy.
Ken Notes: Like I said, amenities can bring much to a project. Apartments have been doing this for decades, it is time for neighborhoods to step up. I like the idea of mixing food, health, recreation and more into our communities... 
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 A new form of housing could be coming soon to Madison: the “cottage court.” Under
a proposal to the City Council, Madison would allow clusters of up to
eight small detached homes of up to 1,000 square feet — typically one to
1.5 stories in height oriented around a greenspace or courtyard — in
all suburban residential and most traditional residential zones,
excluding high-density urban residential areas. Madison is one of
the latest cities across the country to consider permitting cottage
courts as municipalities wrestle with housing availability and
affordability. Housing experts see cottages as a piece of the so-called
“missing middle” level of housing between single family homes on one end
of the density spectrum and apartment complexes on the other...
...Full Story Here Leo’s notes: Madison’s move to legalize cottage courts is exactly the kind of gentle, incremental density cities need if they’re serious about affordability without sacrificing neighborhood character. Clusters of 6–8 small homes around shared green space can open up ownership to teachers, service workers, downsizing seniors, and multigenerational households — people who are currently priced out of single-family districts but don’t want (or need) a big apartment building. The challenge will be making the numbers pencil out on land and construction costs, but if Madison pairs this zoning change with land trusts, tax-increment tools, or nonprofit partners, cottage courts could become a real “missing middle” option instead of a curiosity.
Ken Notes: We also need to consider design and amenities as we increase density. Like nicer apartments, smaller or manufactured homes can be very comfortable to live in.

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 WAUSAU, Wis. (WAOW) - The Wisconsin housing market is seeing rising prices and increased sales, but a low inventory is creating challenges for buyers. According to the September 2025 Housing Report from the Wisconsin Realtors Association, the average home price statewide has increased by 8.7 percent, and home sales have risen by 6.9 percent. David Clark, an economics professor at Marquette University, said, "Well it`s still a sellers market is what it boils down to." Clark highlighted the limited supply as a key issue, stating there are only four months of inventory available. "But with that said, it`s well above those points within the last couple of years where it`s been in the 2.8, 2.9, 3, 3.1 months of supply range," Clark said...
...Full Story Here 
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 The U.S. housing market remains a critical economic issue, with housing affordability and supply at the forefront of bipartisan policy agendas. Both Republican and Democratic lawmakers are increasingly focused on expanding access to affordable housing and addressing the nationwide housing shortage. According to a recent Freddie Mac analysis, the U.S. faces a shortfall of 3.7 million housing units, a deficit that continues to drive high prices for both homeowners and renters. Expanding multi-family housing—such as townhomes, condos, and apartments—offers one of the most effective solutions for addressing this shortage and improving affordability. Multi-family developments allow for higher housing density in urban and suburban areas and are generally more cost-efficient to build than single-family homes, making them a faster and cheaper way to increase supply. However, restrictive zoning regulations in many areas have historically made it difficult or even impossible to construct multi-family housing. Recently, though, there has been growing political momentum to relax or eliminate these zoning restrictions, among other barriers to new home construction. And as such, more higher-density housing may be on the horizon...
...Full Story Here 
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 While many barriers to affordable housing exist, local experts are
certain that a change in mindset is where solving the shortage begins. Every
community has different issues that affect their particular iteration
of the national housing crisis. In Door County, peninsular geography,
limited infrastructure, a seasonal tourism economy, and market pressure
from vacation homes and rentals are some of the forces affecting its
lack of affordable housing. These factors are largely outside of any
agency or individual’s control. Of the factors that can be
manipulated, affordable housing development faces structural
barriers—zoning codes, funding restrictions and state regulations.
Getting around these specific roadblocks demands legislative changes,
and there is some movement in Wisconsin to that end... ...Full Story Here 
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 Program
Provides Annual Grants to Subsidize the Acquisition, New Construction
and/or Rehabilitation of Affordable Rental or Owner-Occupied Housing
CHICAGO--(BUSINESS WIRE)--The Federal Home Loan Bank of Chicago (FHLBank Chicago) today announced it has awarded $52 million through its 2025 Affordable Housing Program (AHP) General Fund round to help finance 37 housing projects located in Illinois and Wisconsin. This funding will enable the acquisition, rehabilitation, and new construction of over 1,600 housing units. "Affordable housing remains a critical need throughout Illinois and Wisconsin, especially as residents face elevated interest rates, limited inventory, and increased construction costs,” said Michael Ericson, President and CEO, FHLBank Chicago. “Through our AHP General Fund, we’re proud to partner with our members and community organizations to increase supply of, and expand access to, quality housing." Since program inception in 1989 through year-end 2024, FHLBank Chicago has allocated more than $550 million in AHP General Fund grants, helping provide housing for over 83,000 households. The 2025 award recipients will support a range of communities—including rural, urban and tribal areas—and populations such as seniors, veterans, and working families... ...Full Story Here 
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A more efficient, affordable development model helps Habitat for
Humanity build more homes during a housing crisis. But some Wisconsin
municipalities exclude manufactured homes from neighborhoods.Kahya Fox knows a solution to Wisconsin’s housing crisis won’t fall
from the sky. But she has seen a crane suspend one in the air.
The Habitat for Humanity of the Greater La Crosse Region executive
director watched this summer as semitrucks pulled into the Vernon County
city of Hillsboro, population 1,400. Instead of bringing materials to
build a traditional home, they each carried a preassembled half of a
house. Workers removed the wheels that carried them down the interstate. Then, a crane hoisted them up and onto a concrete foundation....
...Full Story Here Leo’s notes: Habitat for Humanity’s embrace of factory-built housing in La Crosse and Hillsboro shows how innovation and compassion can meet the moment in Wisconsin’s housing crisis. By using high-quality manufactured homes, Habitat is cutting costs, building faster, and opening doors for families who might otherwise never afford a home — while proving these houses can be beautiful, durable, and community-strengthening. Yet, restrictive zoning in many municipalities still blocks such solutions, clinging to outdated stigmas about “trailers.” If Wisconsin is serious about affordability, accessibility, and equity, local governments must modernize their codes to welcome these efficient, dignified homes that give working families — like the Bessels — a true place to belong.

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Nate Notes: to be included as a Workforce Housing resource email us a link and a brief note to: wwhnews.com@gmail.com... 
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 Milwaukee County may explore creating a revolving loan fund for affordable housing developments.
A revolving loan fund is a pool of capital, typically managed by a
governmental entity or a non-profit, providing short-term loans to
projects and then using the interest on repayments to fund more loans.
They can provide gap financing for projects that are difficult to
finance through private lenders, like affordable housing. State and local governments around the country have started using
revolving loan funds to finance affordable housing projects, to speed up
development and eliminate the uncertainty of the federal funding
process. The funds have proven a new way for the governments to develop
public housing...
...Full Story Here Leo’a notes: Milwaukee County’s exploration of a revolving loan fund marks a promising shift toward long-term, self-sustaining housing finance. Unlike one-time grants, these funds recycle repayments into new projects—helping local governments close financing gaps and move faster than federal programs allow. With models like Montgomery County, Maryland’s $100 million fund already proving that public capital can build mixed-income housing and retain local control, Milwaukee’s interest signals an important evolution in how the region could approach affordability, equity, and ownership. The challenge now is identifying seed funding—but the payoff could be a durable tool that multiplies public investment for decades to come.

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The Southern Housing Region, which includes Kenosha and nine
other Wisconsin counties, will host a public hearing at 11 a.m. Nov. 5,
2025, at 112 E. Edgewater St. in Portage. This hearing will regard: - The proposed application for the 2026 Community Development Block Grant (CDBG) Small Cities Housing Program funds
- Review of the 2024 Community Development Block Grant (CDBG) Small Cities Housing Program
For more details, see the Public Hearing Notice.
...Full Story Here 
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 The real estate frenzy spurred by the coronavirus pandemic continues, though at a slower pace. Buyers are still competing for a limited supply of housing, driving up prices for affordable properties. The typical home value in the United States was $364,891 in September, 0.0% higher than the year before. Increasing mortgage rates have slowed growth, with prices even declining in some places. But some areas are still seeing price jumps compared to the year before. ...Full Story Here 
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 WASHINGTON — As the national conversation around affordable housing grows, more firms are scrambling to get in the door for support from the federal government. A construction association in September exhibited a quicker way to build homes while presenting at the 2025 Innovative Housing Showcase in Washington. One expert with Wisconsin ties said he’s driving for public-private partnership to support a tested home construction method.
The U.S. Department of Housing and Urban Development hosted its annual homebuilding showcase Sept. 6 to 10 at the National Mall, which saw more than 5,000 visitors, including top White House officials and industry leaders. The event coincided with the country’s 250th birthday.
"One expert with Wisconsin ties said he’s driving for public-private partnership to support a tested home construction method. "
The Blueprint
- HUD‘s 2025 Innovative Housing Showcase featured panelized wall construction.
- Experts promote public-private partnerships to boost affordable housing.
- Panelized walls allow faster construction with fewer workers.
- Industry debates new methods like modular and 3D-printed homes.
...Full Story Here 
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 LAC DU FLAMBEAU (WJFW) -- On Tuesday at Lake of the Torches
convention center, community leaders and partners met today for a
series of presentations regarding the current housing crisis in the
northwoods, as well as discussing possible solutions. Residents
were also allowed to attend the regional housing summit, as it touched
on issues that directly affect them and their businesses. Over the last
20 years, Wisconsin`s northwoods have had a challenge in keeping enough
housing available to the ever growing population, and with real estate
prices on the rise every year, it`s becoming more and more of a
challenge for families to move to the area...
...Full Story Here 
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Groundbreaking for the Veterans Community Project was held Monday Construction is set to begin soon for a project in Milwaukee aimed at
getting homeless veterans off the street and into housing.
The development, spearheaded by Veterans Community Project,
will bring 40 tiny homes to a 7-acre site on Milwaukee’s northwest
side. Each tiny home will be anywhere from 240 to 320 square feet and
will come fully furnished.
Bryan Meyer, Veterans Community Project cofounder and CEO, said
people in the program will be able to live there for free with access to
case managers to help get them into permanent housing...
...Full Story Here Ken Notes: I like these projects, but 300 sq. ft. is, well tiny. and while this is a part of the solution we need more 1,200 sq. ft. homes for those working and looking to enter the housing market rather than renting an apartment.

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 BELOIT — The City of Beloit all of a sudden has another $3 million to give away. In
2024, the Beloit City Council awarded $3 million each to two developers
to build affordable housing complexes in the city. The money came from
expiring tax increment financing districts and were a one-time incentive
meant to boost home and apartment building in the city. One of those two projects officially is not going to go forward. “Staff
is working on some options for the funds previously awarded to (the
Alexander Co.) and will be presenting some options in the near future,”
Drew Pennington, Beloit economic development director Drew Pennington
said in an email...
...Full Story Here Leo’s notes: Beloit’s stalled housing deal underscores how fragile the pipeline for affordable and workforce housing remains — even when local governments are ready to invest. With $3 million back on the table after a major project fell through, the city has a renewed opportunity to steer those dollars toward developments that truly move the needle for middle-income families. Rising rents and sluggish new construction are squeezing Beloit’s working households, while neighboring towns see record growth. Redirecting these funds quickly and strategically could help rebalance that trend — keeping Beloit competitive, livable, and within reach for the people who sustain its economy.

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 WAUSAU, Wis. — Wausau was recently ranked one of the top hidden gem housing markets in the Midwest by GOBankingRates.
Wausau Mayor Doug Diny said local leaders want to make Wausau an
“attractive place to live, raise a family, start and grow a business.”
Diny noted more trails are getting finished each year along the river
and near industrial parks, too. Wausau also offers skiing and hiking;
Diny said the city has expanded its bike trails, too.
“We’re trying to make it a livable, walkable, affordable place,” Diny
said. “Affordability really comes down to supply and demand … We’ve
added roughly 500 units in the last five years, so we’re moving in the
right direction to meeting that demand.”..
...Full Story Here 
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 Across Wisconsin many employees can simply not afford to live where they work. This is true in big cities and small rural communities. Both the availability and price of housing is not in line with the needs of those working in jobs that are vital to the success of our communities. Imagine a firefighter, teacher, city employee, service, or retail worker not able to afford a home in the community they serve. We aggregate news and highlight programs that are working to provide affordable workforce housing in Wisconsin. We advocate for state and local policies that improve the more affordable housing markets. We encourage developers to build new homes that are affordable for those working for Wisconsin while still making a fair profit on the work they do. We encourage communities and neighborhoods to become partners in meeting these needs. We highlight what others have done as a form of "Best Practices" in the State and Country. Finally, we provide direct links to resources and programs in the State.
We believe Wisconsin employers will support these efforts so they can successfully recruit workers to fill the thousands of job openings now hampered by a shortage of affordable housing. Safe, affordable housing makes a difference in the lives of children and families impacting both education and health. We are supporting affordable housing because it is good for business, good for families, good for communities, and good for Wisconsin.
Ken Harwood Editor / Publisher
Advocating for Wisconsin 608.334.2174 harwoodken[at]gmail.com
...Full Story Here 
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