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"content": "\u003cp>Community leaders gathered Monday to celebrate the opening of a new affordable \u003ca href=\"https://www.kqed.org/housing\">housing\u003c/a> project in \u003ca href=\"https://www.kqed.org/news/tag/san-bruno\">San Bruno\u003c/a> designed specifically for adults with \u003ca href=\"https://www.kqed.org/news/tag/disability\">developmental disabilities\u003c/a> — a population facing a severe shortage of stable living options in San Mateo County.\u003c/p>\n\u003cp>The Huntington House, purchased by the Peninsula Health Care District for approximately $1.8 million, will provide long-term housing for six people. The project is a collaboration between the health care district, the nonprofit AbilityPath and the Golden Gate Regional Center, a publicly funded nonprofit. It’s one of only a few of its kind on the Peninsula, joining another cooperative home in San Mateo.\u003c/p>\n\u003cp>Bryan Neider, CEO of AbilityPath and AbilityPath Housing, said the investment demonstrates that “housing is healthcare.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“The healthcare district is fulfilling the highest claim in their charter, which is addressing the unmet needs of our most vulnerable residents,” Neider said. “They know that providing a stable home reduces emergency room visits and improves mental health.”\u003c/p>\n\u003cp>The home follows a cooperative living model where residents share communal spaces — including a kitchen, living room and a dedicated gaming or activity area — while maintaining five private bedrooms and one shared bedroom. Rent is capped at one-third of a resident’s income.\u003c/p>\n\u003cfigure id=\"attachment_12069437\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-12069437 size-full\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00187_TV-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00187_TV-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00187_TV-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00187_TV-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Gabi Derek, a lifelong participant of AbilityPath, speaks at a ribbon-cutting ceremony for a new affordable housing building in San Bruno on Jan. 12, 2026. \u003ccite>(Tâm Vũ/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The opening comes at a critical time for the Bay Area, where the cost of living often makes independence nearly impossible for those on fixed incomes. According to the California State Council on Developmental Disabilities, there are more than \u003ca href=\"https://scdd.ca.gov/wp-content/uploads/sites/33/2020/06/People-with-IDD-in-California-Snapshot-5.27.20-ACCESSIBLE.pdf\">450,000 adults\u003c/a> with intellectual and developmental disabilities in the state, with many \u003ca href=\"http://scdd.ca.gov/ca_empl_rate/\">unemployed\u003c/a> or who earn less than 30% of the area median income.\u003c/p>\n\u003cp>For 51-year-old Gabrielle Dedek, who has Down syndrome and was raised in the Bay Area, the wait for independence lasted nearly her entire adult life. Dedek lived with her parents before moving into a similar affordable apartment in Palo Alto with AbilityPath’s help last year. She said the transition allowed her to stay in her community while finally having a home of her own.\u003c/p>\n\u003cp>“I really do love my new home,” Dedek said. “I can never go back to the past. This is my future, and I’m staying and pushing to the future.”[aside postID=news_12069177 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HJA_2939_SOTS_001-2000x1333.jpg']Reggie San Pablo, a director with AbilityPath, noted that the average rent for a studio apartment in the region often exceeds the total monthly income for adults receiving Supplemental Security Income.\u003c/p>\n\u003cp>He said the cooperative model is a deliberate alternative to traditional apartment living, which can lead to social isolation. While the home does not provide 24-hour on-site staffing, residents receive 20 to 25 hours of weekly support through the organization’s Independent Living Skills program. This includes coaching on budgeting, meal planning, community participation and tenancy stability.\u003c/p>\n\u003cp>The organization also operates a dedicated employment branch that currently supports nearly 300 people in obtaining and keeping work, with jobs in tech, retail and administrative roles, helping them through the application and interview process.\u003c/p>\n\u003cp>Huntington House is also located only a few blocks from the San Bruno Caltrain station and SamTrans bus routes, a detail officials said was intentional to ensure residents can access jobs and community amenities independently.\u003c/p>\n\u003cp>San Bruno Councilmember Tom Hamilton, a parent of two children with developmental disabilities, noted that while the city works hard to address the housing crisis for all families, the specific needs of people with developmental disabilities are often overlooked.\u003c/p>\n\u003cfigure id=\"attachment_12069435\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12069435\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00130_TV-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00130_TV-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00130_TV-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00130_TV-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">AbilityPath Housing opened a new affordable housing building in San Bruno on Jan. 12, 2026. \u003ccite>(Tâm Vũ/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Housing is a human right,” Hamilton said. “We work very hard to address our housing crisis, but not enough is being done in this space.”\u003c/p>\n\u003cp>The Golden Gate Regional Center and AbilityPath will manage the upcoming application process, which includes support for move-in and setting cooperative living expectations.\u003c/p>\n\u003cp>Because of the high demand, officials expect to use a lottery system to select the six residents who will call Huntington House home. 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"content": "\u003cdiv class=\"post-body\">\u003cp>Reggie San Pablo, a director with AbilityPath, noted that the average rent for a studio apartment in the region often exceeds the total monthly income for adults receiving Supplemental Security Income.\u003c/p>\n\u003cp>He said the cooperative model is a deliberate alternative to traditional apartment living, which can lead to social isolation. While the home does not provide 24-hour on-site staffing, residents receive 20 to 25 hours of weekly support through the organization’s Independent Living Skills program. This includes coaching on budgeting, meal planning, community participation and tenancy stability.\u003c/p>\n\u003cp>The organization also operates a dedicated employment branch that currently supports nearly 300 people in obtaining and keeping work, with jobs in tech, retail and administrative roles, helping them through the application and interview process.\u003c/p>\n\u003cp>Huntington House is also located only a few blocks from the San Bruno Caltrain station and SamTrans bus routes, a detail officials said was intentional to ensure residents can access jobs and community amenities independently.\u003c/p>\n\u003cp>San Bruno Councilmember Tom Hamilton, a parent of two children with developmental disabilities, noted that while the city works hard to address the housing crisis for all families, the specific needs of people with developmental disabilities are often overlooked.\u003c/p>\n\u003cfigure id=\"attachment_12069435\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12069435\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00130_TV-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00130_TV-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00130_TV-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/260112-SANBRUNOAFFORDABLEHOUSING00130_TV-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">AbilityPath Housing opened a new affordable housing building in San Bruno on Jan. 12, 2026. \u003ccite>(Tâm Vũ/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Housing is a human right,” Hamilton said. “We work very hard to address our housing crisis, but not enough is being done in this space.”\u003c/p>\n\u003cp>The Golden Gate Regional Center and AbilityPath will manage the upcoming application process, which includes support for move-in and setting cooperative living expectations.\u003c/p>\n\u003cp>Because of the high demand, officials expect to use a lottery system to select the six residents who will call Huntington House home. Residents are expected to move in within the next two months.\u003c/p>\n\u003cp>“Housing [is] a crisis, not just for Silicon Valley, but for our special needs community,” said Jennifer Wagstaff-Hinton, board chair for AbilityPath. “It’s unacceptable to say, ‘I can’t solve that problem.’ Just get it done.”\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>After years of championing new funding to combat \u003ca href=\"https://www.kqed.org/news/tag/california\">California\u003c/a>‘s housing shortage and homelessness crisis, Gov. \u003ca href=\"https://www.kqed.org/news/tag/gavin-newsom\">Gavin Newsom\u003c/a>‘s final budget was a retreat from the major investments of years’ past and left many advocates disappointed.\u003c/p>\n\u003cp>The \u003ca href=\"https://ebudget.ca.gov/FullBudgetSummary.pdf\">budget proposal\u003c/a>, released Friday, projected a modest $2.9 billion shortfall — a significantly rosier picture than the \u003ca href=\"https://lao.ca.gov/Publications/Report/5091\">$18 billion anticipated\u003c/a> by the Legislative Analyst’s Office — and emphasized accountability and streamlining over new cash investments to address homelessness and bolster affordable housing.\u003c/p>\n\u003cp>It comes as the state faces federal funding cuts and expected \u003ca href=\"https://www.kqed.org/news/12064324/its-devastating-more-than-100m-for-housing-homeless-at-risk-under-new-hud-policy\">policy changes\u003c/a> that could restrict how much money agencies can spend on permanent housing for people exiting homelessness. As the governor works on finalizing his budget proposal in May, affordable housing groups hope they can sway the administration to fill the funding gaps.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“I am disappointed,” said Heather Hood, who helms the nonprofit housing provider Enterprise Community Partners’ Northern California work. “We hear over and over that housing affordability is a major concern for Californians and the governor, and yet we’re not seeing it reflected in the budget.”\u003c/p>\n\u003cp>But Newsom kept promises he made \u003ca href=\"https://www.kqed.org/news/12045673/newsom-slashes-funding-for-homelessness-in-state-budget-leaving-cities-scrambling\">last year\u003c/a>: The proposed budget includes $500 million for one of California’s largest homelessness services programs, the Homeless Housing, Assistance and Prevention (HHAP) Grant — contingent on “enhanced accountability and performance requirements” — after it received \u003ca href=\"https://www.kqed.org/news/12045673/newsom-slashes-funding-for-homelessness-in-state-budget-leaving-cities-scrambling\">no new funding last year\u003c/a>.\u003c/p>\n\u003cp>“We have invested a significant amount over these last seven years,” Joe Stephenshaw, director of the state’s Department of Finance, said during a press conference on Friday announcing the budget proposal. “Prior to this administration, there were no significant investments at the state level in combating homelessness.”\u003c/p>\n\u003cfigure id=\"attachment_12042903\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12042903\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">The homeless encampment at Ohlone Park in Berkeley on May 29, 2025. \u003ccite>(Gina Castro/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>While affordable housing and homelessness services organizations say the $500 million is welcome, they had hoped to see funding levels ramp back up to what they were earlier in Newsom’s tenure, when the state consistently dedicated $1 billion to the program.\u003c/p>\n\u003cp>“We believe we have to be much bigger and bolder in sustaining and growing our investments in affordable housing if we’re going to deliver the housing and services Californians really need right now,” said Chione Lucina Muñoz Flegal, executive director of advocacy organization, Housing California.\u003c/p>\n\u003cp>During Newsom’s \u003ca href=\"https://www.kqed.org/news/12069094/in-final-state-of-state-speech-gov-newsom-says-california-offers-model-for-the-nation\">State of the State address\u003c/a> on Thursday, he said he wants cities and counties to bring people off the streets, out of encampments and into housing and treatment. “No more excuses,” he said.\u003c/p>\n\u003cp>But Hood said the comment misrepresents the cash-strapped situation many municipalities face when trying to fund services and housing.[aside postID=news_12068746 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-18-BL_qed.jpg']“There’s only so many places the counties and cities can go,” she said. “They’re not getting the money from the feds, and they’re not necessarily getting it from their residents and voters, and so that’s why there’s been a shift to the state.”\u003c/p>\n\u003cp>Without dedicated cash in the budget, she said the strained environment puts more pressure on securing a $10 billion statewide affordable housing bond. \u003ca href=\"https://mtc.ca.gov/sites/default/files/meetings/attachments/6260/9b_25_0447_1_Summary_Sheet_AB_736_Wicks_and_SB_417_Cabaldon.pdf?cb=b2c5668e\">Two bills \u003c/a>aiming to put the bond on this fall’s ballot are currently making their way through the legislature.\u003c/p>\n\u003cp>In addition to the homelessness funding, the governor’s budget proposal nodded to achievements in previous years and pointed to the state’s Housing and Homeless Agency, a new department set to become \u003ca href=\"https://www.bcsh.ca.gov/about/chha_overview.pdf\">operational by July\u003c/a>, which promises to transform California’s fragmented housing finance system into a more streamlined machine.\u003c/p>\n\u003cp>During Thursday’s address, Newsom said the number of people sleeping in tents, cars and RVs \u003ca href=\"https://www.gov.ca.gov/2026/01/08/california-sees-drop-in-unsheltered-homelessness-bucking-national-trend-and-federal-headwinds/\">dropped by about 9%\u003c/a>, according to preliminary federal data from 2025 from a subset of counties. He contrasted that decrease with the nation’s \u003ca href=\"https://files.hudexchange.info/reports/published/CoC_PopSub_NatlTerrDC_2024.pdf\">18%\u003c/a> increase in homelessness last year.\u003c/p>\n\u003cp>But affordable housing advocates worry that, without further investment, those numbers may backslide, due to federal cuts.\u003c/p>\n\u003cfigure id=\"attachment_12058501\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12058501\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/251001_BAYAREASHELTER_-18-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/251001_BAYAREASHELTER_-18-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/251001_BAYAREASHELTER_-18-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/251001_BAYAREASHELTER_-18-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Outside the DignityMoves tiny home cabins at 33 Gough in San Francisco on Oct. 1, 2025. \u003ccite>(Gustavo Hernandez/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>In March, the U.S. Department of Housing and Urban Development (HUD) said it would not dedicate any new funding to the Emergency Housing Voucher program, which has provided rental assistance to about 70,000 households nationwide, according to a \u003ca href=\"https://ternercenter.berkeley.edu/research-and-policy/the-potential-end-of-emergency-housing-voucher-funding-public-housing-agencies-search-for-solutions/\">report \u003c/a>from UC Berkeley’s Terner Center for Housing Innovation. That funding is set to run out by the end of 2026.\u003c/p>\n\u003cp>Later in November, the \u003ca href=\"https://www.kqed.org/news/12064324/its-devastating-more-than-100m-for-housing-homeless-at-risk-under-new-hud-policy\">department announced\u003c/a> that jurisdictions applying for federal funds can only spend 30% of a key homelessness services grant on permanent housing and urged applicants to instead focus on temporary and emergency housing. The competitive grants also deprioritized funding for agencies that recognize transgender people, use harm reduction practices and follow Housing First principles.\u003c/p>\n\u003cp>Susannah Parsons, director of policy and legislation for the advocacy organization, All Home, said it’s not the time for California to pull back from investing in affordable housing and homelessness services.\u003c/p>\n\u003cp>“Now it feels more important than ever that we backstop against some of these federal threats to ensure that the progress we’re starting to see doesn’t evaporate in the next 12 months,” Parsons said.\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>After years of championing new funding to combat \u003ca href=\"https://www.kqed.org/news/tag/california\">California\u003c/a>‘s housing shortage and homelessness crisis, Gov. \u003ca href=\"https://www.kqed.org/news/tag/gavin-newsom\">Gavin Newsom\u003c/a>‘s final budget was a retreat from the major investments of years’ past and left many advocates disappointed.\u003c/p>\n\u003cp>The \u003ca href=\"https://ebudget.ca.gov/FullBudgetSummary.pdf\">budget proposal\u003c/a>, released Friday, projected a modest $2.9 billion shortfall — a significantly rosier picture than the \u003ca href=\"https://lao.ca.gov/Publications/Report/5091\">$18 billion anticipated\u003c/a> by the Legislative Analyst’s Office — and emphasized accountability and streamlining over new cash investments to address homelessness and bolster affordable housing.\u003c/p>\n\u003cp>It comes as the state faces federal funding cuts and expected \u003ca href=\"https://www.kqed.org/news/12064324/its-devastating-more-than-100m-for-housing-homeless-at-risk-under-new-hud-policy\">policy changes\u003c/a> that could restrict how much money agencies can spend on permanent housing for people exiting homelessness. As the governor works on finalizing his budget proposal in May, affordable housing groups hope they can sway the administration to fill the funding gaps.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“I am disappointed,” said Heather Hood, who helms the nonprofit housing provider Enterprise Community Partners’ Northern California work. “We hear over and over that housing affordability is a major concern for Californians and the governor, and yet we’re not seeing it reflected in the budget.”\u003c/p>\n\u003cp>But Newsom kept promises he made \u003ca href=\"https://www.kqed.org/news/12045673/newsom-slashes-funding-for-homelessness-in-state-budget-leaving-cities-scrambling\">last year\u003c/a>: The proposed budget includes $500 million for one of California’s largest homelessness services programs, the Homeless Housing, Assistance and Prevention (HHAP) Grant — contingent on “enhanced accountability and performance requirements” — after it received \u003ca href=\"https://www.kqed.org/news/12045673/newsom-slashes-funding-for-homelessness-in-state-budget-leaving-cities-scrambling\">no new funding last year\u003c/a>.\u003c/p>\n\u003cp>“We have invested a significant amount over these last seven years,” Joe Stephenshaw, director of the state’s Department of Finance, said during a press conference on Friday announcing the budget proposal. “Prior to this administration, there were no significant investments at the state level in combating homelessness.”\u003c/p>\n\u003cfigure id=\"attachment_12042903\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12042903\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/20250529_OhloneParkEncampment_GC-16_qed-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">The homeless encampment at Ohlone Park in Berkeley on May 29, 2025. \u003ccite>(Gina Castro/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>While affordable housing and homelessness services organizations say the $500 million is welcome, they had hoped to see funding levels ramp back up to what they were earlier in Newsom’s tenure, when the state consistently dedicated $1 billion to the program.\u003c/p>\n\u003cp>“We believe we have to be much bigger and bolder in sustaining and growing our investments in affordable housing if we’re going to deliver the housing and services Californians really need right now,” said Chione Lucina Muñoz Flegal, executive director of advocacy organization, Housing California.\u003c/p>\n\u003cp>During Newsom’s \u003ca href=\"https://www.kqed.org/news/12069094/in-final-state-of-state-speech-gov-newsom-says-california-offers-model-for-the-nation\">State of the State address\u003c/a> on Thursday, he said he wants cities and counties to bring people off the streets, out of encampments and into housing and treatment. “No more excuses,” he said.\u003c/p>\n\u003cp>But Hood said the comment misrepresents the cash-strapped situation many municipalities face when trying to fund services and housing.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>“There’s only so many places the counties and cities can go,” she said. “They’re not getting the money from the feds, and they’re not necessarily getting it from their residents and voters, and so that’s why there’s been a shift to the state.”\u003c/p>\n\u003cp>Without dedicated cash in the budget, she said the strained environment puts more pressure on securing a $10 billion statewide affordable housing bond. \u003ca href=\"https://mtc.ca.gov/sites/default/files/meetings/attachments/6260/9b_25_0447_1_Summary_Sheet_AB_736_Wicks_and_SB_417_Cabaldon.pdf?cb=b2c5668e\">Two bills \u003c/a>aiming to put the bond on this fall’s ballot are currently making their way through the legislature.\u003c/p>\n\u003cp>In addition to the homelessness funding, the governor’s budget proposal nodded to achievements in previous years and pointed to the state’s Housing and Homeless Agency, a new department set to become \u003ca href=\"https://www.bcsh.ca.gov/about/chha_overview.pdf\">operational by July\u003c/a>, which promises to transform California’s fragmented housing finance system into a more streamlined machine.\u003c/p>\n\u003cp>During Thursday’s address, Newsom said the number of people sleeping in tents, cars and RVs \u003ca href=\"https://www.gov.ca.gov/2026/01/08/california-sees-drop-in-unsheltered-homelessness-bucking-national-trend-and-federal-headwinds/\">dropped by about 9%\u003c/a>, according to preliminary federal data from 2025 from a subset of counties. He contrasted that decrease with the nation’s \u003ca href=\"https://files.hudexchange.info/reports/published/CoC_PopSub_NatlTerrDC_2024.pdf\">18%\u003c/a> increase in homelessness last year.\u003c/p>\n\u003cp>But affordable housing advocates worry that, without further investment, those numbers may backslide, due to federal cuts.\u003c/p>\n\u003cfigure id=\"attachment_12058501\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12058501\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/251001_BAYAREASHELTER_-18-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/251001_BAYAREASHELTER_-18-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/251001_BAYAREASHELTER_-18-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/251001_BAYAREASHELTER_-18-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Outside the DignityMoves tiny home cabins at 33 Gough in San Francisco on Oct. 1, 2025. \u003ccite>(Gustavo Hernandez/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>In March, the U.S. Department of Housing and Urban Development (HUD) said it would not dedicate any new funding to the Emergency Housing Voucher program, which has provided rental assistance to about 70,000 households nationwide, according to a \u003ca href=\"https://ternercenter.berkeley.edu/research-and-policy/the-potential-end-of-emergency-housing-voucher-funding-public-housing-agencies-search-for-solutions/\">report \u003c/a>from UC Berkeley’s Terner Center for Housing Innovation. That funding is set to run out by the end of 2026.\u003c/p>\n\u003cp>Later in November, the \u003ca href=\"https://www.kqed.org/news/12064324/its-devastating-more-than-100m-for-housing-homeless-at-risk-under-new-hud-policy\">department announced\u003c/a> that jurisdictions applying for federal funds can only spend 30% of a key homelessness services grant on permanent housing and urged applicants to instead focus on temporary and emergency housing. The competitive grants also deprioritized funding for agencies that recognize transgender people, use harm reduction practices and follow Housing First principles.\u003c/p>\n\u003cp>Susannah Parsons, director of policy and legislation for the advocacy organization, All Home, said it’s not the time for California to pull back from investing in affordable housing and homelessness services.\u003c/p>\n\u003cp>“Now it feels more important than ever that we backstop against some of these federal threats to ensure that the progress we’re starting to see doesn’t evaporate in the next 12 months,” Parsons said.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Plaintiffs representing small businesses and neighborhood groups filed a lawsuit on Friday morning challenging Mayor Daniel Lurie’s controversial “\u003ca href=\"https://www.kqed.org/news/12065204/everything-you-need-to-know-about-san-franciscos-family-zoning-plan\">Family Zoning Plan\u003c/a>,” which allows for taller and more dense housing in large swaths of the city.\u003c/p>\n\u003cp>The litigation comes after months of debate and input on the plan, which aims to make it easier to build housing as the city faces a state mandate to add tens of thousands of new homes by 2031. Filed by members of Neighborhoods United San Francisco and Small Business Forward, a progressive business coalition, the lawsuit seeks to pause implementation of the rezoning plan \u003ca href=\"https://www.kqed.org/news/12065204/everything-you-need-to-know-about-san-franciscos-family-zoning-plan\">that the city passed in December\u003c/a> and is set to take effect Monday.\u003c/p>\n\u003cp>“You cannot claim to support families and affordability while advancing a rezoning that encourages displacement, strains infrastructure, and offers no clear path to housing people can afford,” Katherine Petrin, co-founder of Neighborhoods United, said in a statement.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>California required San Francisco to adopt an updated zoning plan by Jan. 31 to make way for 82,000 housing units in the next five years. Some 43,000 units that the city has already approved, but that have yet to be developed, are included in the tally of total units. The city’s plan aims to create capacity for at least 36,000 units for various income levels.\u003c/p>\n\u003cp>The mayor’s office, planning department and other agencies held numerous public meetings, workshops and feedback sessions on the plan leading up to its final vote in December. Some changes were included in the plan, including an amendment to remove any building with three or more rent-controlled units from demolition.\u003c/p>\n\u003cfigure id=\"attachment_12044983\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12044983\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/250618-NEWTEACHERHOUSING-14-BL-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/250618-NEWTEACHERHOUSING-14-BL-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/250618-NEWTEACHERHOUSING-14-BL-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/250618-NEWTEACHERHOUSING-14-BL-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Mayor Daniel Lurie, alongside members of the team behind a new housing project, during a groundbreaking ceremony in San Francisco on June 18, 2025. The event marked the start of two affordable housing developments — one with 75 units prioritized for SFUSD and City College educators, and another that will add 92 family apartments. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Critics of the zoning plan said it didn’t go far enough to protect tenants and businesses that could be displaced as a result of development or increasing rental prices. The lawsuit also alleges that the city did not conduct a proper review under the California Environmental Quality Act before passing the plan.\u003c/p>\n\u003cp>“Rather than prepare a CEQA document to analyze the 2025 upzone’s impacts and to consider reasonable alternatives and mitigation measures, the city instead bypassed CEQA review and relied on the addendum to the environmental impact report prepared in 2022 for the Housing Element of the City’s General Plan,” the complaint said.\u003c/p>\n\u003cp>A rezoning plan is also required under the city’s \u003ca href=\"https://sfplanning.org/project/housing-element-update-2022\">Housing Element\u003c/a>, a set of policies aimed at guiding where and how the city’s future housing should be built. Plaintiffs in the lawsuit also allege that the mayor’s plan does not fully comply with the Housing Element, saying the new rezoning rules allow for more dramatic redevelopment than what was approved in the city’s housing plan passed in 2022.\u003c/p>\n\u003cp>“The mayor’s plan left in thousands of rent-controlled housing units. A lot of our small business employees live in these,” said Christin Evans, who owns The Booksmith in Haight-Ashbury.[aside postID=news_12065708 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/04/250325-ApartmentsonWestside-06-BL_qed-1020x680.jpg']“The concern from Small Business Forward is that we get this housing plan right, that we make sure that we are taking care of not displacing small business workers from the city, that we are protecting small business workers, not just their jobs and livelihoods, but also the housing that they live in.”\u003c/p>\n\u003cp>City officials defended the mayor’s housing plan on Friday, saying it underwent a thorough review before approval by state officials.\u003c/p>\n\u003cp>“The Family Zoning Plan is the product of years of study, outreach and hearings. The city took deliberate obligations under state law, including CEQA. We are comforted that the California Department of Housing and Community Development reviewed the Family Zoning Plan and felt it complied with state law,” said Jen Kwart, a spokesperson for the city attorney. “We will review any lawsuit once we are served and will have more to say in court.”\u003c/p>\n\u003cp>Representatives from the mayor’s office underscored that the city needs to build more housing to meet state requirements and keep up with increasing demand for housing.\u003c/p>\n\u003cp>State housing authorities could have withheld critical public funding and taken over local housing plans and approvals if San Francisco failed to pass a housing plan by the end of this month.\u003c/p>\n\u003cp>“More and more, families are struggling to live in San Francisco, and the Family Zoning Plan will help us build the affordable homes they need to stay here,” said Charles Lutvak, a spokesperson for the mayor’s office. “The status quo isn’t working for families in this city, and we’re not going to wait around for someone else to do something about it.”\u003c/p>\n\u003cfigure id=\"attachment_12068866\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12068866\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-18-BL_qed.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-18-BL_qed.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-18-BL_qed-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-18-BL_qed-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Construction workers build at 750 Golden Gate Ave., in San Francisco, on June 18, 2025, during a groundbreaking ceremony marking the start of two affordable housing projects. One will deliver 75 units prioritized for SFUSD and City College educators, and the other at 850 Turk will add 92 family apartments. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The lawsuit filed on Friday may not be the only legal challenge that Lurie’s rezoning plan faces. Pro-housing development advocacy groups such as YIMBY Law, the legal arm of Yes In My Backyard, have also suggested that they could file a lawsuit if the city doesn’t do enough to produce more housing in the city.\u003c/p>\n\u003cp>“We passed that Housing Element and it passed unanimously. So if we’re not just not meeting the spirit but not meeting the letter of the law, then we want to make sure we are holding San Francisco compliant,” said Jane Natoli, Bay Area Director of YIMBY Action.\u003c/p>\n\u003cp>Estimates for how much housing might actually result from the zoning changes have been mixed. Due to economic constraints like building and construction costs, the Planning Department estimates that the mayor’s plan could realistically open up to 19,000 units; however, modeling from the city’s Chief Economist suggests that it could produce only around 14,600 units.\u003c/p>\n\u003cp>“One of the small ironies of today’s lawsuit is if they are saying we need to go back [to the zoning plan], we definitely don’t have a plan that’s compliant and are opening ourselves up to the builder’s remedy,” Natoli said, referring to a legal process through which the state allows developers to bypass local zoning rules if the city is not meeting state housing requirements.\u003c/p>\n\u003cp>Plaintiffs in the lawsuit filed Friday are also exploring a 2026 ballot measure that would give voters a chance to potentially weigh in on additional changes to the new zoning plan.\u003c/p>\n\u003cp>Richard Drury, the attorney representing Neighborhoods United and Small Business Forward, said that the plaintiffs have not yet decided whether they will seek preliminary relief or a resolution in the court.\u003c/p>\n\u003cp>“This plan didn’t go through the right public review process to produce more affordable housing and less damage,” Drury said. “Instead, they upzoned parts of the city and are threatening to eliminate some rent-controlled housing to build luxury condos, which is the opposite of what the plan aimed to do.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Plaintiffs representing small businesses and neighborhood groups filed a lawsuit on Friday morning challenging Mayor Daniel Lurie’s controversial “\u003ca href=\"https://www.kqed.org/news/12065204/everything-you-need-to-know-about-san-franciscos-family-zoning-plan\">Family Zoning Plan\u003c/a>,” which allows for taller and more dense housing in large swaths of the city.\u003c/p>\n\u003cp>The litigation comes after months of debate and input on the plan, which aims to make it easier to build housing as the city faces a state mandate to add tens of thousands of new homes by 2031. Filed by members of Neighborhoods United San Francisco and Small Business Forward, a progressive business coalition, the lawsuit seeks to pause implementation of the rezoning plan \u003ca href=\"https://www.kqed.org/news/12065204/everything-you-need-to-know-about-san-franciscos-family-zoning-plan\">that the city passed in December\u003c/a> and is set to take effect Monday.\u003c/p>\n\u003cp>“You cannot claim to support families and affordability while advancing a rezoning that encourages displacement, strains infrastructure, and offers no clear path to housing people can afford,” Katherine Petrin, co-founder of Neighborhoods United, said in a statement.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>California required San Francisco to adopt an updated zoning plan by Jan. 31 to make way for 82,000 housing units in the next five years. Some 43,000 units that the city has already approved, but that have yet to be developed, are included in the tally of total units. The city’s plan aims to create capacity for at least 36,000 units for various income levels.\u003c/p>\n\u003cp>The mayor’s office, planning department and other agencies held numerous public meetings, workshops and feedback sessions on the plan leading up to its final vote in December. Some changes were included in the plan, including an amendment to remove any building with three or more rent-controlled units from demolition.\u003c/p>\n\u003cfigure id=\"attachment_12044983\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12044983\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/250618-NEWTEACHERHOUSING-14-BL-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/250618-NEWTEACHERHOUSING-14-BL-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/250618-NEWTEACHERHOUSING-14-BL-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/06/250618-NEWTEACHERHOUSING-14-BL-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Mayor Daniel Lurie, alongside members of the team behind a new housing project, during a groundbreaking ceremony in San Francisco on June 18, 2025. The event marked the start of two affordable housing developments — one with 75 units prioritized for SFUSD and City College educators, and another that will add 92 family apartments. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Critics of the zoning plan said it didn’t go far enough to protect tenants and businesses that could be displaced as a result of development or increasing rental prices. The lawsuit also alleges that the city did not conduct a proper review under the California Environmental Quality Act before passing the plan.\u003c/p>\n\u003cp>“Rather than prepare a CEQA document to analyze the 2025 upzone’s impacts and to consider reasonable alternatives and mitigation measures, the city instead bypassed CEQA review and relied on the addendum to the environmental impact report prepared in 2022 for the Housing Element of the City’s General Plan,” the complaint said.\u003c/p>\n\u003cp>A rezoning plan is also required under the city’s \u003ca href=\"https://sfplanning.org/project/housing-element-update-2022\">Housing Element\u003c/a>, a set of policies aimed at guiding where and how the city’s future housing should be built. Plaintiffs in the lawsuit also allege that the mayor’s plan does not fully comply with the Housing Element, saying the new rezoning rules allow for more dramatic redevelopment than what was approved in the city’s housing plan passed in 2022.\u003c/p>\n\u003cp>“The mayor’s plan left in thousands of rent-controlled housing units. A lot of our small business employees live in these,” said Christin Evans, who owns The Booksmith in Haight-Ashbury.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>“The concern from Small Business Forward is that we get this housing plan right, that we make sure that we are taking care of not displacing small business workers from the city, that we are protecting small business workers, not just their jobs and livelihoods, but also the housing that they live in.”\u003c/p>\n\u003cp>City officials defended the mayor’s housing plan on Friday, saying it underwent a thorough review before approval by state officials.\u003c/p>\n\u003cp>“The Family Zoning Plan is the product of years of study, outreach and hearings. The city took deliberate obligations under state law, including CEQA. We are comforted that the California Department of Housing and Community Development reviewed the Family Zoning Plan and felt it complied with state law,” said Jen Kwart, a spokesperson for the city attorney. “We will review any lawsuit once we are served and will have more to say in court.”\u003c/p>\n\u003cp>Representatives from the mayor’s office underscored that the city needs to build more housing to meet state requirements and keep up with increasing demand for housing.\u003c/p>\n\u003cp>State housing authorities could have withheld critical public funding and taken over local housing plans and approvals if San Francisco failed to pass a housing plan by the end of this month.\u003c/p>\n\u003cp>“More and more, families are struggling to live in San Francisco, and the Family Zoning Plan will help us build the affordable homes they need to stay here,” said Charles Lutvak, a spokesperson for the mayor’s office. “The status quo isn’t working for families in this city, and we’re not going to wait around for someone else to do something about it.”\u003c/p>\n\u003cfigure id=\"attachment_12068866\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12068866\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-18-BL_qed.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-18-BL_qed.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-18-BL_qed-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-18-BL_qed-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Construction workers build at 750 Golden Gate Ave., in San Francisco, on June 18, 2025, during a groundbreaking ceremony marking the start of two affordable housing projects. One will deliver 75 units prioritized for SFUSD and City College educators, and the other at 850 Turk will add 92 family apartments. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The lawsuit filed on Friday may not be the only legal challenge that Lurie’s rezoning plan faces. Pro-housing development advocacy groups such as YIMBY Law, the legal arm of Yes In My Backyard, have also suggested that they could file a lawsuit if the city doesn’t do enough to produce more housing in the city.\u003c/p>\n\u003cp>“We passed that Housing Element and it passed unanimously. So if we’re not just not meeting the spirit but not meeting the letter of the law, then we want to make sure we are holding San Francisco compliant,” said Jane Natoli, Bay Area Director of YIMBY Action.\u003c/p>\n\u003cp>Estimates for how much housing might actually result from the zoning changes have been mixed. Due to economic constraints like building and construction costs, the Planning Department estimates that the mayor’s plan could realistically open up to 19,000 units; however, modeling from the city’s Chief Economist suggests that it could produce only around 14,600 units.\u003c/p>\n\u003cp>“One of the small ironies of today’s lawsuit is if they are saying we need to go back [to the zoning plan], we definitely don’t have a plan that’s compliant and are opening ourselves up to the builder’s remedy,” Natoli said, referring to a legal process through which the state allows developers to bypass local zoning rules if the city is not meeting state housing requirements.\u003c/p>\n\u003cp>Plaintiffs in the lawsuit filed Friday are also exploring a 2026 ballot measure that would give voters a chance to potentially weigh in on additional changes to the new zoning plan.\u003c/p>\n\u003cp>Richard Drury, the attorney representing Neighborhoods United and Small Business Forward, said that the plaintiffs have not yet decided whether they will seek preliminary relief or a resolution in the court.\u003c/p>\n\u003cp>“This plan didn’t go through the right public review process to produce more affordable housing and less damage,” Drury said. “Instead, they upzoned parts of the city and are threatening to eliminate some rent-controlled housing to build luxury condos, which is the opposite of what the plan aimed to do.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>For more than 20 years, Hugh Leeman made his home in a studio at 50 Golden Gate Ave. He said many of his neighbors in the rent-controlled building had lived there long before he did.\u003c/p>\n\u003cp>But in the predawn hours of Dec. 12, \u003ca href=\"https://www.kqed.org/news/12066892/fire-tears-through-tenderloin-apartment-building-forcing-rescues-of-residents-cats\">a major blaze\u003c/a> erupted on the top floor of the six-story Beaux Arts-style building in the Tenderloin, rendering it unlivable for Leeman and about 130 others who were displaced.\u003c/p>\n\u003cp>Many of the tenants in the 60-unit building aren’t sure where they’ll live in the coming months, as they face deadlines to apply for city assistance and a possible end to short-term paid hotel stays. Many say they haven’t received sufficient support from the property management company, Mosser Companies, or city leaders.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“It’s been incredibly difficult,” Leeman said after a community meeting on Tuesday with the area’s supervisor and city housing officials. “You’ve got multi-generation families that have lived here for 20, 30, 40 plus years. They can’t afford to go onto the open market.”\u003c/p>\n\u003cp>In the weeks since the fire, Leeman has been able to move into a new apartment, costing him nearly $500 more a month than his rent-controlled $1,172 rate. Still, he considers himself among the fortunate ones to be able to get settled in that time.\u003c/p>\n\u003ch2>‘Coercive at best’\u003c/h2>\n\u003cp>At the time of the fire, those who had lived for decades at 50 Golden Gate would have been paying a fraction of market rate because of the city rent ordinance’s cap on annual increases.\u003c/p>\n\u003cp>Because Mosser could stand to make significantly more money by renting the units at market rate, Leeman said he and others are concerned that the company isn’t incentivized to help the current tenants stay in their units after the fire.\u003c/p>\n\u003cp>“The best thing in their financial interest is to have these people displaced,” he said.\u003c/p>\n\u003cp>So far, he worries his suspicion is correct. In the days directly following the fire, Leeman said Mosser offered to return renters’ security deposits, though the move would end their leases — and therefore their rent-controlled rates.[aside postID=news_12066892 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251212-Tenderloin-Apartment-Fire-01-KQED.jpg']Residents said they also received an offer from the company to rehouse them in another building while theirs was being renovated, and then return to 50 Golden Gate, but the contract included a provision that would release Mosser from any liability that could arise related to the fire in the future.\u003c/p>\n\u003cp>“This, on the surface, is very coercive at best,” Leeman said.\u003c/p>\n\u003cp>Mosser did not respond to requests for comment from KQED, but tenants said the company had agreed to pay December’s rent and provide security at the building after reports of possible theft.\u003c/p>\n\u003cp>Julie Tran, who lived in the building for 17 years, said she received the rehousing offer on a Friday and responded the following Monday with a list of at least six of Mosser’s other buildings in which she would be interested in living, but she struggled to get in touch with the company.\u003c/p>\n\u003cp>“I emailed every day for three days, I left a voicemail every night for three days,” she said.\u003c/p>\n\u003cp>When she did hear back, she was told only that there was no vacancy at another of Mosser’s buildings that she hadn’t included on that list. “‘Did you read my email?’” she said. “And ‘Why are you responding to me with this lack of vacancy at a building I didn’t ask to be relocated to?’”\u003c/p>\n\u003cp>Tran said she’s decided not to pursue a new placement in another Mosser building, but she has heard from other residents who have said they’ve been shown single-room occupancy units without kitchens to replace their studios, even as units with kitchens appear as open on the property manager’s site.\u003c/p>\n\u003cp>“Why is that not being shown to displaced tenants?” Tran asked.\u003c/p>\n\u003ch2>Immediate uncertainty\u003c/h2>\n\u003cp>While residents have tried to get back on their feet, many have been sheltered in two hotels: Disabled and elderly residents were sent to a Motel 6 in Union Square directly after the fire, while others were placed in a Mosser Hotel in the South of Market neighborhood.\u003c/p>\n\u003cp>Tran said two weeks later, on Christmas Day, she and other residents were almost evicted from the hotels before the city’s Human Services Agency stepped in to extend their stays.\u003c/p>\n\u003cp>For some, though, that extension could come to an end Friday.\u003c/p>\n\u003cp>Gardenia Zuniga, who previously lived in the building and has been supporting current residents since the fire, said Supervisor Bilal Mahmood’s office was working to secure extended hotel stays for tenants in 15 units who have recently been approved for the city’s short-term housing subsidy. She said four others’ applications were not approved, and others had elected not to participate.\u003c/p>\n\u003cp>Those who remain in hotels while they look for longer-term housing are expected to be moved to different spots near Ocean Beach and in South San Francisco while their current hotels are booked due to the upcoming JP Morgan healthcare conference, Zuniga told KQED.[aside postID=news_12050263 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/07/250722-ShelterFamilies-09-BL_qed.jpg']Some tenants on Tuesday expressed concerns that they didn’t qualify for relief based on their income and assets, while others said documentation they needed to complete the applications — like driver’s licenses, passports and other identification — is still inaccessible in their apartments.\u003c/p>\n\u003cp>Mahmood said that the city was permitting digital documentation to ease that concern and had extended the deadline to apply for relief multiple times. Representatives from the Human Services Agency were present at the meeting on Tuesday to help residents complete individual applications.\u003c/p>\n\u003cp>Katia Padilla, the chief operating officer of the Latino Task Force, said the building’s monolingual Spanish speakers have also struggled to get sufficient translation services.\u003c/p>\n\u003cp>She said she’s had to help translate for some, though Mahmood said that the Human Services Agency provided translators during the community meeting and to help with individual applications on Tuesday.\u003c/p>\n\u003cp>Residents on Tuesday also expressed concerns about security at the building. During the meeting, some said that they believe property they left behind has been removed from their apartments or perhaps stolen. Leeman said people saw via Find My iPhone that their devices had been taken out of the building and accessed off-site, and photos of the building’s roof show that it has been uncovered.\u003c/p>\n\u003cp>Residents have been unable to retrieve their property because authorities have deemed the building unsafe to enter.\u003c/p>\n\u003cp>Mahmood said his office was helping residents who are concerned about their property to file police reports, and that it is expediting repair permits needed to allow building access, including to fix a broken elevator at risk of collapsing. He expected tenants would be able to get into the building next week.\u003c/p>\n\u003cp>“Our focus has been security and making sure the residents get access [as soon] as possible,” he said. “The next step is making sure they’re going to start scheduling appointments for people to come into the building and get access to the resources.”\u003c/p>\n\u003ch2>Next steps\u003c/h2>\n\u003cp>Tran is among the residents who have been approved for assistance through the city’s short-term subsidy program, which will pay the difference between her $1,275 monthly rent at 50 Golden Gate and a new unit that costs up to $2,845 a month, depending on whether she stays in the city or moves elsewhere in the Bay Area.\u003c/p>\n\u003cp>That subsidy will be in effect for two years, she said, with a possible two-year extension. She’s also applied for the \u003ca href=\"https://www.sf.gov/learn-about-displaced-tenant-housing-preference-dthp\">Displaced Tenant Housing Preference\u003c/a> program through the Mayor’s Office of Housing and Community Development, which gives preference in the city’s affordable housing lottery system to renters forced out of their homes by fire, no-fault eviction and other reasons out of their control. But she said she’s been told that the process could take longer and isn’t a guarantee.\u003c/p>\n\u003cp>In the meantime, finding a place could prove difficult. Tran said she routinely spent 80% of her income on the studio apartment, and the subsidy goes only toward her base rent, not utilities.\u003c/p>\n\u003cp>“If I go anywhere that includes [additional] utilities, I have no disposable income left,” she said. “Of all the options I’ve looked at, I’m really only looking at one property at this point.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>For more than 20 years, Hugh Leeman made his home in a studio at 50 Golden Gate Ave. He said many of his neighbors in the rent-controlled building had lived there long before he did.\u003c/p>\n\u003cp>But in the predawn hours of Dec. 12, \u003ca href=\"https://www.kqed.org/news/12066892/fire-tears-through-tenderloin-apartment-building-forcing-rescues-of-residents-cats\">a major blaze\u003c/a> erupted on the top floor of the six-story Beaux Arts-style building in the Tenderloin, rendering it unlivable for Leeman and about 130 others who were displaced.\u003c/p>\n\u003cp>Many of the tenants in the 60-unit building aren’t sure where they’ll live in the coming months, as they face deadlines to apply for city assistance and a possible end to short-term paid hotel stays. Many say they haven’t received sufficient support from the property management company, Mosser Companies, or city leaders.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“It’s been incredibly difficult,” Leeman said after a community meeting on Tuesday with the area’s supervisor and city housing officials. “You’ve got multi-generation families that have lived here for 20, 30, 40 plus years. They can’t afford to go onto the open market.”\u003c/p>\n\u003cp>In the weeks since the fire, Leeman has been able to move into a new apartment, costing him nearly $500 more a month than his rent-controlled $1,172 rate. Still, he considers himself among the fortunate ones to be able to get settled in that time.\u003c/p>\n\u003ch2>‘Coercive at best’\u003c/h2>\n\u003cp>At the time of the fire, those who had lived for decades at 50 Golden Gate would have been paying a fraction of market rate because of the city rent ordinance’s cap on annual increases.\u003c/p>\n\u003cp>Because Mosser could stand to make significantly more money by renting the units at market rate, Leeman said he and others are concerned that the company isn’t incentivized to help the current tenants stay in their units after the fire.\u003c/p>\n\u003cp>“The best thing in their financial interest is to have these people displaced,” he said.\u003c/p>\n\u003cp>So far, he worries his suspicion is correct. In the days directly following the fire, Leeman said Mosser offered to return renters’ security deposits, though the move would end their leases — and therefore their rent-controlled rates.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Residents said they also received an offer from the company to rehouse them in another building while theirs was being renovated, and then return to 50 Golden Gate, but the contract included a provision that would release Mosser from any liability that could arise related to the fire in the future.\u003c/p>\n\u003cp>“This, on the surface, is very coercive at best,” Leeman said.\u003c/p>\n\u003cp>Mosser did not respond to requests for comment from KQED, but tenants said the company had agreed to pay December’s rent and provide security at the building after reports of possible theft.\u003c/p>\n\u003cp>Julie Tran, who lived in the building for 17 years, said she received the rehousing offer on a Friday and responded the following Monday with a list of at least six of Mosser’s other buildings in which she would be interested in living, but she struggled to get in touch with the company.\u003c/p>\n\u003cp>“I emailed every day for three days, I left a voicemail every night for three days,” she said.\u003c/p>\n\u003cp>When she did hear back, she was told only that there was no vacancy at another of Mosser’s buildings that she hadn’t included on that list. “‘Did you read my email?’” she said. “And ‘Why are you responding to me with this lack of vacancy at a building I didn’t ask to be relocated to?’”\u003c/p>\n\u003cp>Tran said she’s decided not to pursue a new placement in another Mosser building, but she has heard from other residents who have said they’ve been shown single-room occupancy units without kitchens to replace their studios, even as units with kitchens appear as open on the property manager’s site.\u003c/p>\n\u003cp>“Why is that not being shown to displaced tenants?” Tran asked.\u003c/p>\n\u003ch2>Immediate uncertainty\u003c/h2>\n\u003cp>While residents have tried to get back on their feet, many have been sheltered in two hotels: Disabled and elderly residents were sent to a Motel 6 in Union Square directly after the fire, while others were placed in a Mosser Hotel in the South of Market neighborhood.\u003c/p>\n\u003cp>Tran said two weeks later, on Christmas Day, she and other residents were almost evicted from the hotels before the city’s Human Services Agency stepped in to extend their stays.\u003c/p>\n\u003cp>For some, though, that extension could come to an end Friday.\u003c/p>\n\u003cp>Gardenia Zuniga, who previously lived in the building and has been supporting current residents since the fire, said Supervisor Bilal Mahmood’s office was working to secure extended hotel stays for tenants in 15 units who have recently been approved for the city’s short-term housing subsidy. She said four others’ applications were not approved, and others had elected not to participate.\u003c/p>\n\u003cp>Those who remain in hotels while they look for longer-term housing are expected to be moved to different spots near Ocean Beach and in South San Francisco while their current hotels are booked due to the upcoming JP Morgan healthcare conference, Zuniga told KQED.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Some tenants on Tuesday expressed concerns that they didn’t qualify for relief based on their income and assets, while others said documentation they needed to complete the applications — like driver’s licenses, passports and other identification — is still inaccessible in their apartments.\u003c/p>\n\u003cp>Mahmood said that the city was permitting digital documentation to ease that concern and had extended the deadline to apply for relief multiple times. Representatives from the Human Services Agency were present at the meeting on Tuesday to help residents complete individual applications.\u003c/p>\n\u003cp>Katia Padilla, the chief operating officer of the Latino Task Force, said the building’s monolingual Spanish speakers have also struggled to get sufficient translation services.\u003c/p>\n\u003cp>She said she’s had to help translate for some, though Mahmood said that the Human Services Agency provided translators during the community meeting and to help with individual applications on Tuesday.\u003c/p>\n\u003cp>Residents on Tuesday also expressed concerns about security at the building. During the meeting, some said that they believe property they left behind has been removed from their apartments or perhaps stolen. Leeman said people saw via Find My iPhone that their devices had been taken out of the building and accessed off-site, and photos of the building’s roof show that it has been uncovered.\u003c/p>\n\u003cp>Residents have been unable to retrieve their property because authorities have deemed the building unsafe to enter.\u003c/p>\n\u003cp>Mahmood said his office was helping residents who are concerned about their property to file police reports, and that it is expediting repair permits needed to allow building access, including to fix a broken elevator at risk of collapsing. He expected tenants would be able to get into the building next week.\u003c/p>\n\u003cp>“Our focus has been security and making sure the residents get access [as soon] as possible,” he said. “The next step is making sure they’re going to start scheduling appointments for people to come into the building and get access to the resources.”\u003c/p>\n\u003ch2>Next steps\u003c/h2>\n\u003cp>Tran is among the residents who have been approved for assistance through the city’s short-term subsidy program, which will pay the difference between her $1,275 monthly rent at 50 Golden Gate and a new unit that costs up to $2,845 a month, depending on whether she stays in the city or moves elsewhere in the Bay Area.\u003c/p>\n\u003cp>That subsidy will be in effect for two years, she said, with a possible two-year extension. She’s also applied for the \u003ca href=\"https://www.sf.gov/learn-about-displaced-tenant-housing-preference-dthp\">Displaced Tenant Housing Preference\u003c/a> program through the Mayor’s Office of Housing and Community Development, which gives preference in the city’s affordable housing lottery system to renters forced out of their homes by fire, no-fault eviction and other reasons out of their control. But she said she’s been told that the process could take longer and isn’t a guarantee.\u003c/p>\n\u003cp>In the meantime, finding a place could prove difficult. Tran said she routinely spent 80% of her income on the studio apartment, and the subsidy goes only toward her base rent, not utilities.\u003c/p>\n\u003cp>“If I go anywhere that includes [additional] utilities, I have no disposable income left,” she said. “Of all the options I’ve looked at, I’m really only looking at one property at this point.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"slug": "san-franciscos-historic-relief-cottages-built-after-the-1906-earthquake-are-hidden-in-plain-sight",
"title": "San Francisco’s Historic ‘Relief Cottages,’ Built After the 1906 Earthquake, Are Hidden in Plain Sight",
"publishDate": 1767870047,
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"headTitle": "San Francisco’s Historic ‘Relief Cottages,’ Built After the 1906 Earthquake, Are Hidden in Plain Sight | KQED",
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"content": "\u003cp>\u003ca href=\"#episode-transcript\">\u003ci>View the full episode transcript.\u003c/i>\u003c/a>\u003c/p>\n\u003cp>Jane Cryan walked into a leasing agency on Geary Boulevard in\u003ca href=\"https://www.kqed.org/news/tag/san-francisco\"> San Francisco\u003c/a> just before closing one evening in 1982.\u003c/p>\n\u003cp>She was looking for an apartment that could accommodate her grand piano. The flat she was inquiring about had already been rented, but the agent asked if she’d be interested in a cottage out in the Sunset District.\u003c/p>\n\u003cp>“That started everything,” Cryan said. “That, to me, is my golden moment in all my 44 years in San Francisco.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The cottage at 1227 24th Ave. felt like her own artist retreat. She moved in and played her grand piano night and day for the first several weeks, happy to have her own space where she could do what she liked.\u003c/p>\n\u003cp>“An elderly gentleman from across the street came over and shook his finger at me, and he said, ‘Young lady, do you know that you’re living in a couple of relief houses pasted together?’”\u003c/p>\n\u003cfigure id=\"attachment_12066194\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12066194\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251204-EARTHQUAKECOTTAGES00174_TV-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251204-EARTHQUAKECOTTAGES00174_TV-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251204-EARTHQUAKECOTTAGES00174_TV-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251204-EARTHQUAKECOTTAGES00174_TV-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">An earthquake cottage stands on 211 Mullen Ave. in San Francisco on December 4, 2025. The original shelter was built after the 1906 San Francisco Earthquake and some still house city residents. \u003ccite>(Tâm Vũ/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Cryan was confused. What did he mean by “relief houses?” She had moved from Milwaukee in the 1960s because she was enamored with the Beat Movement and had been writing letters to Jack Kerouac. When she got to San Francisco, all of 18 years old, she threw herself into writing and playing jazz piano, although she made her money as an executive assistant. She’d never heard of the history her neighbor was describing.\u003c/p>\n\u003cp>“I had lived in the city all those years and never heard of the [19]06 quake or ‘the fire,’ as everybody who survived it called it,” Cryan said.\u003c/p>\n\u003cp>She was curious to know everything she could about the natural disaster that devastated San Francisco at the start of the 20th century, knocking down 80% of the buildings and displacing thousands of people. She spent nights and weekends obsessively going through newspaper archives to learn all she could about these so-called “relief cottages.”\u003c/p>\n\u003ch2>The history Cryan discovered\u003c/h2>\n\u003cp>“After the 1906 Earthquake and fire, more than a quarter of a million people are at least temporarily displaced,” said Woody LaBounty, president and CEO of \u003ca href=\"https://www.sfheritage.org/\">San Francisco Heritage\u003c/a>, a nonprofit dedicated to preserving San Francisco history.\u003c/p>\n\u003cp>Those who had the means left the city to stay with relatives or friends elsewhere. But many poor San Franciscans didn’t have that option. The military temporarily set up tent camps to house refugees in the short term. Women cooked meals on stoves set up in the streets, children went to school in makeshift tent classrooms and people tried to figure out what to do next.[aside postID=news_12065901 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/251016-NIMITZHOUSE-38-BL-KQED.jpg']After a few months, city leaders became concerned about sanitation in the tent camps and they worried what would happen when winter rains came. They commissioned union carpenters to build small cottages out of redwood, cedar and fir to house the refugees. They painted the cottages the same green as city park benches, which became known as “park bench green.”\u003c/p>\n\u003cp>“You basically are talking about the working class,” LaBounty said. “People who don’t have property, don’t have other resources, and need to find work and find shelter.”\u003c/p>\n\u003cp>Overseeing this effort was the San Francisco Relief Corporation, which also coordinated distribution of clothes, food and other aid to the refugees — many of whom the city relied upon to help rebuild the city. The 5,610 cottages were mostly set up in the city’s neighborhood parks like Jefferson Square, Precita Park (then known as Bernal Park) and Portsmouth Square. There were also a large number of cottages where Park Presidio Boulevard is now — back then, it was newly acquired parkland with nothing much around it.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.nps.gov/places/000/1906-earthquake-cottages.htm\">cottages\u003c/a> came in several sizes. The smallest was 10×14 feet — these “Type A” shacks are the most commonly seen today, in part because they are so modular and people combined them to make larger residences. But there were also 14×18 feet and 18×24-feet-sized shacks.\u003c/p>\n\u003cp>The Relief Corporation charged people a few dollars per month in rent for the cottages, but soon it started receiving pressure from Superintendent of Parks John McLaren and other city residents.\u003c/p>\n\u003cfigure id=\"attachment_12063864\" class=\"wp-caption aligncenter\" style=\"max-width: 1950px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/RichmondCamp-SFPL-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12063864\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/RichmondCamp-SFPL-KQED.jpg\" alt=\"\" width=\"1950\" height=\"2000\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/RichmondCamp-SFPL-KQED.jpg 1950w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/RichmondCamp-SFPL-KQED-160x164.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/RichmondCamp-SFPL-KQED-1498x1536.jpg 1498w\" sizes=\"auto, (max-width: 1950px) 100vw, 1950px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">The Richmond District, on San Francisco’s northwest side, was largely uninhabited sand dunes at the time of the 1906 earthquake and fires. There was a lot of open space to build refugee cottages like these at the Richmond District refugee camp between Lake and Geary streets. Some surviving earthquake cottages can still be found in the Richmond and Sunset districts. \u003ccite>(Courtesy of the San Francisco Public Library)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“They wanted their parks back,” LaBounty said. “As other San Franciscans were ready to move on from the disaster, they didn’t like the idea that their parks had a community, a village of working-class people living in the middle of their parks.”\u003c/p>\n\u003cp>Under pressure to move cottages out of the parks as quickly as possible, the Relief Corporation ended up returning all the rent it collected to residents when they moved their cottages out of the parks and onto land somewhere else. And just a year and a half after the earthquake and fire, most cottage camps were gone.\u003c/p>\n\u003cp>“It gave people who never would have dreamed, I think, of owning a home a chance to get into that American dream,” LaBounty said. “So, you get the earthquake cottage, you’re a refugee who has nothing, and now suddenly you buy a lot for 100 bucks in the sand dunes of the Richmond, you have pretty much a free house.”\u003c/p>\n\u003cfigure id=\"attachment_12063862\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/PrecitaPark-SFPL-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12063862\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/PrecitaPark-SFPL-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1545\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/PrecitaPark-SFPL-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/PrecitaPark-SFPL-KQED-160x124.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/PrecitaPark-SFPL-KQED-1536x1187.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">After several months, residents were encouraged to move their cottages out of the parks and onto a plot of land. Here, a horse gets ready to move a shack out of Precita Park. \u003ccite>(Courtesy of the San Francisco Public Library)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Many of the cottages ended up in the Richmond and Sunset districts of San Francisco because of that large camp along Park Presidio and the prevalence of unclaimed land on the western side of the city. Another hot spot for cottages is Bernal Heights, where people moved their cottages from Precita Park at the bottom of the hill, up onto vacant plots on the hill.\u003c/p>\n\u003cp>“There was sort of a stigma of having an earthquake cottage for a few years because it sort of signified you were a refugee, you needed help, you were poor,” LaBounty said. “So, people often quickly tried to hide the pedigree of their houses and cover them with shingles.”\u003c/p>\n\u003cp>People built fences around their cottages, added additional rooms and generally tried to \u003ca href=\"https://www.foundsf.org/1906_Earthquake_Shack_Survivors\">personalize\u003c/a> them. Many people painted over that telling park bench green color, hiding the provenance of their homes.\u003c/p>\n\u003cp>https://www.youtube.com/watch?v=DcXCRZEkzx4\u003c/p>\n\u003cp>The city moved on, too. Just nine years after the Great Earthquake and Fire, San Francisco \u003ca href=\"https://www.nps.gov/goga/learn/historyculture/upload/PPIE-Brochure-FINAL-for-Web.pdf\">hosted\u003c/a> the 1915 Panama-Pacific International Exposition to show the city was back and celebrate the opening of the Panama Canal.\u003c/p>\n\u003cp>In a spectacle that spread over much of what is now the Marina District, the Exposition drew more than 18 million visitors and boasted innovations in science, technology and art. Whole buildings were erected for the Exposition, including the Palace of Fine Arts.\u003c/p>\n\u003ch2>An era of ‘shacktivism’\u003c/h2>\n\u003cp>When Jane Cryan learned all this history and realized that her little cottage sanctuary was actually three and a half earthquake cottages connected together, she was in awe. She loved that she was living in a piece of San Francisco history, one hidden in plain sight.\u003c/p>\n\u003cp>Around the time of her research, Cryan got word from her landlord that he wanted to sell her cottage — or worse, knock it down and sell the lot.[aside postID=news_12063643 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/251008-GirlintheFishbowl-01-BL.jpg']“I had to do something,” Cryan said. So, she called City Hall. “And this is exactly what I said, I said, ‘Can you connect me with somebody at City Hall who can tell me how to save a pair of cottages, very important cottages, that are under threat of demolition.’”\u003c/p>\n\u003cp>That call led her to the Landmarks Preservation office. She learned how to apply for a historic landmark designation and brought her research on the importance of the earthquake cottages to the Planning Commission. Along the way, the media caught wind of what she was doing.\u003c/p>\n\u003cp>“The media came to me, and they made what I was doing one of the most important things that ever hit San Francisco,” Cryan said.\u003c/p>\n\u003cp>Cryan started a \u003ca href=\"https://sfpl.org/pdf/libraries/main/sfhistory/archives-and-manuscripts/SPASFRS.pdf\">nonprofit\u003c/a> organization,\u003ca href=\"https://sfpl.org/pdf/libraries/main/sfhistory/archives-and-manuscripts/SPASFRS.pdf\"> The Society for the Preservation and Appreciation of San Francisco Refugee Shacks\u003c/a>, and made it her mission to educate people about the earthquake shacks.\u003c/p>\n\u003cp>Eventually, she won historic status for her little 24th Avenue cottage, but it was a bittersweet victory. Because historic status limits what a property owner can do with a building, the planning commission also ruled that Cryan had to move out as compensation. From then on, she moved from apartment to apartment, ultimately finding herself priced out of San Francisco once she was retired. She moved back to Wisconsin, where she is originally from, in 2007 after 44 years in the city.\u003c/p>\n\u003cp>She continues the fight to save earthquake cottages from afar when developers threaten them.\u003c/p>\n\u003ch2>A very San Francisco treasure hunt\u003c/h2>\n\u003cp>It’s still possible to \u003ca href=\"https://www.sfchronicle.com/projects/2021/earthquake-shacks-sf-map/\">find\u003c/a> earthquake cottages when walking around San Francisco. Woody LaBounty suggested looking for a shallow roof line, like a Boy Scout tent. That’s often a good indicator that a small house might be an earthquake cottage. Many other small buildings have much sharper rooflines or flat roofs.\u003c/p>\n\u003cp>LaBounty estimates that there are somewhere between \u003ca href=\"https://www.outsidelands.org/shack-list.php\">30 and 50 cottages\u003c/a> sprinkled throughout the city. But it’s hard to know because so many of them have been incorporated into larger houses or are used as sheds.\u003c/p>\n\u003cfigure id=\"attachment_12063861\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/Moving-Cottage-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12063861\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/Moving-Cottage-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1446\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/Moving-Cottage-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/Moving-Cottage-KQED-160x116.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/Moving-Cottage-KQED-1536x1111.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">An earthquake cottage being moved through the streets of San Francisco circa 1906. \u003ccite>(Courtesy of the San Francisco Public Library)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Historical conservationists \u003ca href=\"https://www.outsidelands.org/kirkham_shacks.php\">successfully\u003c/a> saved several earthquake cottages from demolition over the years. Two of them are owned by the Presidio Trust and used to be open to visitors, although they have recently been moved to an out-of-the-way location. Another is in the San Francisco Zoo, part of \u003ca href=\"https://www.sfzoo.org/greenies-conservation-corner/\">Greenie’s Conservation Corner\u003c/a>.\u003c/p>\n\u003cp>“As San Francisco continues to change, it is this visual touchstone to our past,” LaBounty said. “And not only our past, but the most significant event that happened in our past, outside of maybe the Gold Rush.”\u003c/p>\n\u003cp>[baycuriousquestion]\u003c/p>\n\u003ch2 id=\"episode-transcript\">Episode Transcript\u003c/h2>\n\u003cp>\u003cstrong>Olivia Allen-Price:\u003c/strong> I want to talk about architecture for a moment – specifically residential architecture. In San Francisco.\u003c/p>\n\u003cp>You expect to see stately Victorian homes with their bright colors and fancy decorative trim.\u003c/p>\n\u003cp>Then there’s Marina style homes with their big windows and stucco facades.\u003c/p>\n\u003cp>But sprinkled in amidst these grander homes you might spot a few tiny cottages — the original tiny homes.\u003c/p>\n\u003cp>\u003cstrong>Charity Vargas:\u003c/strong> I did see two over in the sunset. There was like two close together and I thought maybe they might be them, but I’m not sure.\u003c/p>\n\u003cp>\u003cstrong>Olivia Allen-Price: \u003c/strong>Charity Vargas, our question asker this week, has seen some of these small dwellings dotted around the Richmond and Sunset districts near her home. And she’s heard that the cottages are holdovers from the Great 1906 earthquake and fire, but wants to know more.\u003c/p>\n\u003cp>\u003cstrong>Charity Vargas: \u003c/strong>How many earthquake cottages are left and you know, are they still used and where they are?\u003c/p>\n\u003cp>\u003cstrong>Olivia Allen-Price: \u003c/strong>Today on the show, we’ll dig into the history of San Francisco’s earthquake cottages. We’ll learn how critical they were in sheltering a vulnerable…but vital.. population and learn about modern efforts to save them. I’m Olivia Allen-Price and you’re listening to Bay Curious. Stay with us.\u003c/p>\n\u003cp>\u003cem>Sponsor message\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Olivia Allen-Price: \u003c/strong>We set out to answer Charity’s question by searching for “earthquake shacks”…tiny homes built out of redwood and cedar after the 1906 earthquake and fire. Bay Curious editor and producer Katrina Schwartz found one high on a hill in Bernal Heights.\u003c/p>\n\u003cp>\u003cstrong>Joan Hunter: \u003c/strong>You want a little tour? Ok, this is our tiny kitchen and I believe this rectangle room is the original earthquake shack and this part is added on, but it’s kind of hard to say exactly. I’m Joan Hunter. I live in Bernal Heights, San Francisco, California in an earthquake cottage or earthquake shack, as some would like to say.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>I’m standing with Joan in her light filled living room…all that’s left of the original cottage. It’s a modestly sized room, but has tall ceilings and windows that look out over a sweeping view of San Francisco.\u003c/p>\n\u003cp>What started out as a one room cottage has been expanded quite a bit…it’s about 620 square feet now, still small by modern standards.\u003c/p>\n\u003cp>\u003cstrong>Joan Hunter: \u003c/strong>Okay, so this is a little bedroom we have in the front and all of our rooms, this is a theme for the house, everything is small, very, very small.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz:\u003c/strong> Joan’s got two kids…so the house can feel like a tight squeeze at times. But she fell in love with the history of the place.\u003c/p>\n\u003cp>\u003cstrong>Joan Hunter: \u003c/strong>what I do know is that the guy who bought it, he was a little kind of like a bachelor. And he met someone who was also single and they moved together and they got married. And it was just a love story.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Joan likes thinking that after they survived the worst natural disaster San Francisco has ever experienced…and been homeless for months because of it…that they finally found some tranquility here, a little piece of San Francisco to call their own.\u003c/p>\n\u003cp>\u003cem>Music to help us transition\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>The Great 1906 Earthquake and Fire leveled 80 percent of San Francisco. The morning of April 18, 1906 Bay Area residents awoke early in the morning to a temblor they’d never forget.\u003c/p>\n\u003cp>\u003cem>Sounds of shaking\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Kathleen Norris: \u003c/strong>Every picture on the wall is going tack, tack, tack. Everything movable in the house is keeping up that unearthly clatter. You could hear up and down the roads, earthquake. It’s an earthquake. Oh, God help us, it’s an earthquake. of course, it changed the world for all of us.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Kathleen Norris shared her oral history with the Bancroft Library in 1960. There was no audio recorded during the disaster, but anyone who survived it remembered the trauma of it clearly…even fifty years later. Kathleen was in Mill Valley when the earthquake hit…where the damage wasn’t too bad. But she and her brother were curious about how San Francisco had fared…so they found a boat that took them to the city.\u003c/p>\n\u003cp>\u003cstrong>Joan Hunter: \u003c/strong>It was something to see. The great, heavy, slow rolls of smoke that were joining hands as they went up.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Kathleen describes refugees fleeing homes that had been leveled, toting their belongings in baby carriages and wheel barrows.\u003c/p>\n\u003cp>\u003cstrong>Kathleen Norris: \u003c/strong>We walked over the hot, hot rocks of Market Street. And of course, the cable car lines were twisted hairpins. And the houses were all down. There was nothing saved. Nothing was accepted.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>And yet, the image that lingered in her mind…even as the smoke lay heavy over the hills… was of people getting to work to repair their city.\u003c/p>\n\u003cp>\u003cstrong>Kathleen Norris: \u003c/strong>And already there were people helping out and organizing, scraping bricks. The bricks were hot. And they were working away. Nobody felt for an instant, oh, let’s go somewhere else. Everyone knew that the city was going to come back.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>As indeed it would. Just nine years after the earthquake and fire, San Francisco hosted the 1915 Panama Pacific International Exposition…the reason the Palace of Fine Arts was built…a spectacle that 18 million people visited by the time it closed.. Headlines trumpeted the achievement.\u003c/p>\n\u003cp>\u003cstrong>\u003cem>Voice over reading archival newspaper headline:\u003c/em> \u003c/strong>\u003c/p>\n\u003cp>\u003cem>Big Fair is Opened. All eyes on San Francisco. President Flashes Signal\u003c/em>\u003c/p>\n\u003cp>\u003cem>Fair Draws Myriad; All Records For Crowds Fall\u003c/em>\u003c/p>\n\u003cp>\u003cem>Marvelous Exhibits From All Parts of the Earth Assembled by 42 Countries for the Hugest Conclave of Nations in History\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>It was a signal to the world that San Francisco was still \u003cem>the most important\u003c/em> city in the West…one full of invention and achievement.\u003c/p>\n\u003cp>\u003cem>\u003cstrong>Voice over reading archival newspaper headline: \u003c/strong>Tower of Jewels Wreathed in Flames. But it’s only to thrill visitors\u003c/em>\u003c/p>\n\u003cp>\u003cem>Art Smith Sets Hearts Leaping: Aviator’s Loop-the-Loops at Night Traced By Trail of Smoke\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>But how did San Francisco go from the absolute devastation of 1906 to showing off the latest advances in science and art on the world stage just nine years later? This is where the earthquake cottages… or shacks as they’re affectionately called…come into the story.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>So after the 1906 earthquake and fire, more than a quarter of a million people are at least temporarily displaced.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Woody LaBounty is President and CEO of San Francisco Heritage, a nonprofit dedicated to preserving San Francisco history.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>And now, the powers that be have to decide not only how to take care of all these people, but also who’s gonna rebuild the city?\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Immediately after the earthquake and fire, the military stepped in and established tent camps in the city’s parks. But soon a new organization…the San Francisco Relief Corporation…was formed to distribute food, clothes and other aid.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>That covered many aspects of what you have to do when people are refugees, but also a specific housing effort, and that was the earthquake relief cottages.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Officials were worried about sanitation in the tent camps when winter rains came. So, they decided to build 5,610 relief cottages…built with redwood, fir and cedar… to house people. They were painted “park bench green”…literally the color used on Golden Gate Park benches… and clustered in neighborhood parks like Jefferson Square, Precita Park, and Portsmouth Square. Around 17,000 people lived in them.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>If you owned property or you had a property that had been destroyed in the earthquake, you rebuilt or you figured out a way to move on. But there was a vast number of people who didn’t have any other resources.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>These were San Francisco’s poor, folks who had lived in boarding houses or shared rooms downtown before the fire. City leaders wanted to keep these laborers with the skills to rebuild the city close by. But they didn’t plan to give away the cottages for free.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>So for all of wanting to take care of the refugees, there was also a fear at the time of creeping socialism. People in power did not want to give anybody anything for nothing. So they thought it would create indigence. And so you were supposed to pay some sort of rent.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Here’s how it worked. Shack residents paid monthly rent of a few dollars while their shacks were in the parks. But the relief corporation returned that money when a resident bought some land and moved the shack out of the park and onto their own property.That generosity was spurred by pressure to move refugees and their cottages out of the parks as soon as possible.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>As other San Franciscans were ready to move on from the disaster, they didn’t like the idea that their parks had a community, a village of working-class people. Living in the middle of their park. They wanted their parks back.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>About a year and a half after the earthquake, in the summer of 1907, most of the shacks had been removed from the parks. Newspapers at the time described the surreal image of tiny homes on wagons moving across the city with people still in them.\u003c/p>\n\u003cp>\u003cem>\u003cstrong>Voice over reading archival newspaper excerpt:\u003c/strong> It is a strange sight to see a procession of these refugee cottages moving down fashionable Van Ness Avenue or busy Fillmore Street, faces peering from the windows, and men, women and children going about their household tasks as if their little home was securely perched upon a cement foundation and surrounded by a garden and a fence.\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Back in 1907, the Richmond District, a northwestern neighborhood, was mostly undeveloped sand dunes, with lots of empty land. So many shack owners moved their cottages to vacant plots there.\u003c/p>\n\u003cp>Woody says the earthquake shack program not only got the city working again…\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>\u003cspan style=\"text-decoration: line-through\">I\u003c/span>t also gave people who never would have dreamed, I think, of owning a home a chance to get into that American dream. So you get the earthquake cottage, you’re a refugee who has nothing, and now suddenly you buy a lot for 100 bucks in the sand dunes of the Richmond, you have pretty much a free house.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Bernal Heights is another place with many earthquake cottages…people just moved their shacks from Precita Park to open land up the hill.\u003c/p>\n\u003cp>And some of them are still there…like the house we toured at the beginning of this episode.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>The one sort of key touchstone that you can tell about a cottage is the roof line. It has a very shallow pitched roof, kind of like a pup tent, like a Boy Scout tent. And then that is like your first hint because a lot of small buildings you’ll see have very steep pitched or flat roofs.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Woody says many shack owners quickly made improvements to their new homes — painting, building fences, adding additional rooms.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>There was sort of a stigma of having an earthquake cottage for a few years because it sort of signified you were a refugee, you needed help, you were poor. So people often, they quickly tried to hide sort of the pedigree of their houses and cover them with shingles quickly.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>They wanted to hide that telling park bench green color. Most existing earthquake cottages are surrounded by modern additions. Or sometimes they’re a couple shacks placed together. That’s one reason it’s really hard to know how many still exist in San Francisco, they’re hidden. But Woody estimates between 30 and 50 earthquake cottages are dotted across the city.\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>The cottage in the front is made up of three and a half shacks, and then there’s a free-standing mid-size shack in the backyard.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>This is Jane Cryan. She rented one of these preserved earthquake shacks in the outer Sunset in the 1980s. Jane is best known as a “shacktivist”…fighting to preserve earthquake cottages from development. But if it weren’t for the Beat movement in the 1950s, she never would have moved here in the first place.\u003c/p>\n\u003cp> \u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>The only reason I ended up in San Francisco is that Jack Kerouac, with whom I had correspondence from the time I was 16 years old told me that Milwaukee was no place for a poet. You should be in San Francisco.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>By day she was an executive assistant, but writing and jazz piano were her passions.\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>And I moved in and I played piano for about six weeks, day and night, and an elderly gentleman from across the street came over and shook his finger at me and he said, young lady, do you know that you’re living in a couple of relief houses pasted together?\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Her three room cottage was actually three earthquake shacks pasted together. This was 1982 and Jane had lived in San Francisco almost 20 years. But she’d never even heard of the 1906 earthquake and fire. Her neighbor’s passing comment sparked her curiosity. She spent nights and weekends obsessively going through old newspaper archives to learn as much as she could about the disaster and the earthquake cottages.\u003c/p>\n\u003cp>Meanwhile, her landlord made it known that he planned to sell her cottage…or worse demolish it and sell the lot.\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>Take down our history. So I had to do something.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Preserving these cottages — tangible pieces of such important history — became her life’s work. She took inspiration from one of the 1906 earthquake refugees she learned about in her research, a woman named Mary Kelly. Mary was an agitator, constantly questioning how the relief corporation dolled out aid and whether it was fair. She was such a pain to them they eventually evicted her from her cottage. But she refused to leave, famously saying:\u003c/p>\n\u003cp>\u003cem>\u003cstrong>Voice over portraying Mary Kelly:\u003c/strong> They can’t bluff me. I’ll stay with the house if they take it to the end of the earth.\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>She rode in her cottage as men hauled it onto a wagon and trucked it away. She stayed inside as they dismantled the cottage board by board. Jane finds Mary’s tenacity — and willingness to stand up to power — endearing.\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>She was exactly the way I was. If I saw something, I said something. And if I saw something that was not right, I said something louder.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Jane started a nonprofit called The Society for the Preservation and Appreciation of San Francisco Refugee Shacks. She fought hard to get the planning commission to designate her little shack a historic landmark.\u003c/p>\n\u003cp>And she was successful!\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>Landmark number 171.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>But it was a bittersweet victory. The commission also said that Jane had to vacate the cottage in order to compensate the landlord for putting restrictions on his property. Jane bounced around from place to place after that, eventually moving back to Wisconsin, where she’s originally from.\u003c/p>\n\u003cp>\u003cstrong>Katrina in the tape: \u003c/strong>What do you miss most about San Francisco?\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>Oh, everything! Oh my god, San Francisco is the queen of the Golden West, for heaven’s sake!\u003c/p>\n\u003cp>\u003cem>Music\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Historian Woody LaBounty says there are probably more earthquake cottages than we know. They’re hiding in people’s backyards, incorporated into bigger houses or used as sheds.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>They’re the last sort of most visible, tangible sign of one of the biggest things that ever happened to the city of San Francisco.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Increasingly these little cottages are being bought and torn down to make room for larger homes. But the ones that remain are a reminder of a refugee relief program that not only got people back on their feet, but made them homeowners. An example of San Franciscans coming together to repair and resurrect a beloved city.\u003c/p>\n\u003cp>\u003cstrong>Olivia Allen-Price:\u003c/strong> That was Bay Curious editor and producer Katrina Schwartz. Special thanks this week to \u003ca href=\"https://californiarevealed.org/\">California Revealed\u003c/a>, an online database of oral histories and other archival materials. They helped us find Kathleen Norris’ oral history.\u003c/p>\n\u003cp>Bay Curious is made in San Francisco at member-supported KQED. Right now your membership means more than ever, give at \u003ca href=\"http://kqed.org/donate\">KQED.org/donate\u003c/a>.\u003c/p>\n\u003cp>Our show is produced by Gabriela Glueck, Christopher Beale, Katrina Schwartz and me, Olivia Allen-Price.\u003c/p>\n\u003cp>Extra support from Maha Sanad, Katie Sprenger, Jen Chien, Ethan Toven-Lindsey and everyone on team KQED.\u003c/p>\n\u003cp>Have a wonderful week.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"excerpt": "After the 1906 Earthquake and fire, San Francisco leaders built relief cottages to house the homeless. Some of those tiny dwellings can still be found thanks to historic preservation efforts.\r\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003ca href=\"#episode-transcript\">\u003ci>View the full episode transcript.\u003c/i>\u003c/a>\u003c/p>\n\u003cp>Jane Cryan walked into a leasing agency on Geary Boulevard in\u003ca href=\"https://www.kqed.org/news/tag/san-francisco\"> San Francisco\u003c/a> just before closing one evening in 1982.\u003c/p>\n\u003cp>She was looking for an apartment that could accommodate her grand piano. The flat she was inquiring about had already been rented, but the agent asked if she’d be interested in a cottage out in the Sunset District.\u003c/p>\n\u003cp>“That started everything,” Cryan said. “That, to me, is my golden moment in all my 44 years in San Francisco.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The cottage at 1227 24th Ave. felt like her own artist retreat. She moved in and played her grand piano night and day for the first several weeks, happy to have her own space where she could do what she liked.\u003c/p>\n\u003cp>“An elderly gentleman from across the street came over and shook his finger at me, and he said, ‘Young lady, do you know that you’re living in a couple of relief houses pasted together?’”\u003c/p>\n\u003cfigure id=\"attachment_12066194\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12066194\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251204-EARTHQUAKECOTTAGES00174_TV-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251204-EARTHQUAKECOTTAGES00174_TV-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251204-EARTHQUAKECOTTAGES00174_TV-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251204-EARTHQUAKECOTTAGES00174_TV-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">An earthquake cottage stands on 211 Mullen Ave. in San Francisco on December 4, 2025. The original shelter was built after the 1906 San Francisco Earthquake and some still house city residents. \u003ccite>(Tâm Vũ/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Cryan was confused. What did he mean by “relief houses?” She had moved from Milwaukee in the 1960s because she was enamored with the Beat Movement and had been writing letters to Jack Kerouac. When she got to San Francisco, all of 18 years old, she threw herself into writing and playing jazz piano, although she made her money as an executive assistant. She’d never heard of the history her neighbor was describing.\u003c/p>\n\u003cp>“I had lived in the city all those years and never heard of the [19]06 quake or ‘the fire,’ as everybody who survived it called it,” Cryan said.\u003c/p>\n\u003cp>She was curious to know everything she could about the natural disaster that devastated San Francisco at the start of the 20th century, knocking down 80% of the buildings and displacing thousands of people. She spent nights and weekends obsessively going through newspaper archives to learn all she could about these so-called “relief cottages.”\u003c/p>\n\u003ch2>The history Cryan discovered\u003c/h2>\n\u003cp>“After the 1906 Earthquake and fire, more than a quarter of a million people are at least temporarily displaced,” said Woody LaBounty, president and CEO of \u003ca href=\"https://www.sfheritage.org/\">San Francisco Heritage\u003c/a>, a nonprofit dedicated to preserving San Francisco history.\u003c/p>\n\u003cp>Those who had the means left the city to stay with relatives or friends elsewhere. But many poor San Franciscans didn’t have that option. The military temporarily set up tent camps to house refugees in the short term. Women cooked meals on stoves set up in the streets, children went to school in makeshift tent classrooms and people tried to figure out what to do next.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>After a few months, city leaders became concerned about sanitation in the tent camps and they worried what would happen when winter rains came. They commissioned union carpenters to build small cottages out of redwood, cedar and fir to house the refugees. They painted the cottages the same green as city park benches, which became known as “park bench green.”\u003c/p>\n\u003cp>“You basically are talking about the working class,” LaBounty said. “People who don’t have property, don’t have other resources, and need to find work and find shelter.”\u003c/p>\n\u003cp>Overseeing this effort was the San Francisco Relief Corporation, which also coordinated distribution of clothes, food and other aid to the refugees — many of whom the city relied upon to help rebuild the city. The 5,610 cottages were mostly set up in the city’s neighborhood parks like Jefferson Square, Precita Park (then known as Bernal Park) and Portsmouth Square. There were also a large number of cottages where Park Presidio Boulevard is now — back then, it was newly acquired parkland with nothing much around it.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.nps.gov/places/000/1906-earthquake-cottages.htm\">cottages\u003c/a> came in several sizes. The smallest was 10×14 feet — these “Type A” shacks are the most commonly seen today, in part because they are so modular and people combined them to make larger residences. But there were also 14×18 feet and 18×24-feet-sized shacks.\u003c/p>\n\u003cp>The Relief Corporation charged people a few dollars per month in rent for the cottages, but soon it started receiving pressure from Superintendent of Parks John McLaren and other city residents.\u003c/p>\n\u003cfigure id=\"attachment_12063864\" class=\"wp-caption aligncenter\" style=\"max-width: 1950px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/RichmondCamp-SFPL-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12063864\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/RichmondCamp-SFPL-KQED.jpg\" alt=\"\" width=\"1950\" height=\"2000\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/RichmondCamp-SFPL-KQED.jpg 1950w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/RichmondCamp-SFPL-KQED-160x164.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/RichmondCamp-SFPL-KQED-1498x1536.jpg 1498w\" sizes=\"auto, (max-width: 1950px) 100vw, 1950px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">The Richmond District, on San Francisco’s northwest side, was largely uninhabited sand dunes at the time of the 1906 earthquake and fires. There was a lot of open space to build refugee cottages like these at the Richmond District refugee camp between Lake and Geary streets. Some surviving earthquake cottages can still be found in the Richmond and Sunset districts. \u003ccite>(Courtesy of the San Francisco Public Library)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“They wanted their parks back,” LaBounty said. “As other San Franciscans were ready to move on from the disaster, they didn’t like the idea that their parks had a community, a village of working-class people living in the middle of their parks.”\u003c/p>\n\u003cp>Under pressure to move cottages out of the parks as quickly as possible, the Relief Corporation ended up returning all the rent it collected to residents when they moved their cottages out of the parks and onto land somewhere else. And just a year and a half after the earthquake and fire, most cottage camps were gone.\u003c/p>\n\u003cp>“It gave people who never would have dreamed, I think, of owning a home a chance to get into that American dream,” LaBounty said. “So, you get the earthquake cottage, you’re a refugee who has nothing, and now suddenly you buy a lot for 100 bucks in the sand dunes of the Richmond, you have pretty much a free house.”\u003c/p>\n\u003cfigure id=\"attachment_12063862\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/PrecitaPark-SFPL-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12063862\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/PrecitaPark-SFPL-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1545\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/PrecitaPark-SFPL-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/PrecitaPark-SFPL-KQED-160x124.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/PrecitaPark-SFPL-KQED-1536x1187.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">After several months, residents were encouraged to move their cottages out of the parks and onto a plot of land. Here, a horse gets ready to move a shack out of Precita Park. \u003ccite>(Courtesy of the San Francisco Public Library)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Many of the cottages ended up in the Richmond and Sunset districts of San Francisco because of that large camp along Park Presidio and the prevalence of unclaimed land on the western side of the city. Another hot spot for cottages is Bernal Heights, where people moved their cottages from Precita Park at the bottom of the hill, up onto vacant plots on the hill.\u003c/p>\n\u003cp>“There was sort of a stigma of having an earthquake cottage for a few years because it sort of signified you were a refugee, you needed help, you were poor,” LaBounty said. “So, people often quickly tried to hide the pedigree of their houses and cover them with shingles.”\u003c/p>\n\u003cp>People built fences around their cottages, added additional rooms and generally tried to \u003ca href=\"https://www.foundsf.org/1906_Earthquake_Shack_Survivors\">personalize\u003c/a> them. Many people painted over that telling park bench green color, hiding the provenance of their homes.\u003c/p>\u003c/p>\u003cp>\u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutube'>\n \u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutubeInside'>\n \u003ciframe\n loading='lazy'\n class='utils-parseShortcode-shortcodes-__youtubeShortcode__youtubePlayer'\n type='text/html'\n src='//www.youtube.com/embed/DcXCRZEkzx4'\n title='//www.youtube.com/embed/DcXCRZEkzx4'\n allowfullscreen='true'\n style='border:0;'>\u003c/iframe>\n \u003c/span>\n \u003c/span>\u003c/p>\u003cp>\u003cp>The city moved on, too. Just nine years after the Great Earthquake and Fire, San Francisco \u003ca href=\"https://www.nps.gov/goga/learn/historyculture/upload/PPIE-Brochure-FINAL-for-Web.pdf\">hosted\u003c/a> the 1915 Panama-Pacific International Exposition to show the city was back and celebrate the opening of the Panama Canal.\u003c/p>\n\u003cp>In a spectacle that spread over much of what is now the Marina District, the Exposition drew more than 18 million visitors and boasted innovations in science, technology and art. Whole buildings were erected for the Exposition, including the Palace of Fine Arts.\u003c/p>\n\u003ch2>An era of ‘shacktivism’\u003c/h2>\n\u003cp>When Jane Cryan learned all this history and realized that her little cottage sanctuary was actually three and a half earthquake cottages connected together, she was in awe. She loved that she was living in a piece of San Francisco history, one hidden in plain sight.\u003c/p>\n\u003cp>Around the time of her research, Cryan got word from her landlord that he wanted to sell her cottage — or worse, knock it down and sell the lot.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>“I had to do something,” Cryan said. So, she called City Hall. “And this is exactly what I said, I said, ‘Can you connect me with somebody at City Hall who can tell me how to save a pair of cottages, very important cottages, that are under threat of demolition.’”\u003c/p>\n\u003cp>That call led her to the Landmarks Preservation office. She learned how to apply for a historic landmark designation and brought her research on the importance of the earthquake cottages to the Planning Commission. Along the way, the media caught wind of what she was doing.\u003c/p>\n\u003cp>“The media came to me, and they made what I was doing one of the most important things that ever hit San Francisco,” Cryan said.\u003c/p>\n\u003cp>Cryan started a \u003ca href=\"https://sfpl.org/pdf/libraries/main/sfhistory/archives-and-manuscripts/SPASFRS.pdf\">nonprofit\u003c/a> organization,\u003ca href=\"https://sfpl.org/pdf/libraries/main/sfhistory/archives-and-manuscripts/SPASFRS.pdf\"> The Society for the Preservation and Appreciation of San Francisco Refugee Shacks\u003c/a>, and made it her mission to educate people about the earthquake shacks.\u003c/p>\n\u003cp>Eventually, she won historic status for her little 24th Avenue cottage, but it was a bittersweet victory. Because historic status limits what a property owner can do with a building, the planning commission also ruled that Cryan had to move out as compensation. From then on, she moved from apartment to apartment, ultimately finding herself priced out of San Francisco once she was retired. She moved back to Wisconsin, where she is originally from, in 2007 after 44 years in the city.\u003c/p>\n\u003cp>She continues the fight to save earthquake cottages from afar when developers threaten them.\u003c/p>\n\u003ch2>A very San Francisco treasure hunt\u003c/h2>\n\u003cp>It’s still possible to \u003ca href=\"https://www.sfchronicle.com/projects/2021/earthquake-shacks-sf-map/\">find\u003c/a> earthquake cottages when walking around San Francisco. Woody LaBounty suggested looking for a shallow roof line, like a Boy Scout tent. That’s often a good indicator that a small house might be an earthquake cottage. Many other small buildings have much sharper rooflines or flat roofs.\u003c/p>\n\u003cp>LaBounty estimates that there are somewhere between \u003ca href=\"https://www.outsidelands.org/shack-list.php\">30 and 50 cottages\u003c/a> sprinkled throughout the city. But it’s hard to know because so many of them have been incorporated into larger houses or are used as sheds.\u003c/p>\n\u003cfigure id=\"attachment_12063861\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/Moving-Cottage-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12063861\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/Moving-Cottage-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1446\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/Moving-Cottage-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/Moving-Cottage-KQED-160x116.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/Moving-Cottage-KQED-1536x1111.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">An earthquake cottage being moved through the streets of San Francisco circa 1906. \u003ccite>(Courtesy of the San Francisco Public Library)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Historical conservationists \u003ca href=\"https://www.outsidelands.org/kirkham_shacks.php\">successfully\u003c/a> saved several earthquake cottages from demolition over the years. Two of them are owned by the Presidio Trust and used to be open to visitors, although they have recently been moved to an out-of-the-way location. Another is in the San Francisco Zoo, part of \u003ca href=\"https://www.sfzoo.org/greenies-conservation-corner/\">Greenie’s Conservation Corner\u003c/a>.\u003c/p>\n\u003cp>“As San Francisco continues to change, it is this visual touchstone to our past,” LaBounty said. “And not only our past, but the most significant event that happened in our past, outside of maybe the Gold Rush.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-content post-body\">\u003ch2 id=\"episode-transcript\">Episode Transcript\u003c/h2>\n\u003cp>\u003cstrong>Olivia Allen-Price:\u003c/strong> I want to talk about architecture for a moment – specifically residential architecture. In San Francisco.\u003c/p>\n\u003cp>You expect to see stately Victorian homes with their bright colors and fancy decorative trim.\u003c/p>\n\u003cp>Then there’s Marina style homes with their big windows and stucco facades.\u003c/p>\n\u003cp>But sprinkled in amidst these grander homes you might spot a few tiny cottages — the original tiny homes.\u003c/p>\n\u003cp>\u003cstrong>Charity Vargas:\u003c/strong> I did see two over in the sunset. There was like two close together and I thought maybe they might be them, but I’m not sure.\u003c/p>\n\u003cp>\u003cstrong>Olivia Allen-Price: \u003c/strong>Charity Vargas, our question asker this week, has seen some of these small dwellings dotted around the Richmond and Sunset districts near her home. And she’s heard that the cottages are holdovers from the Great 1906 earthquake and fire, but wants to know more.\u003c/p>\n\u003cp>\u003cstrong>Charity Vargas: \u003c/strong>How many earthquake cottages are left and you know, are they still used and where they are?\u003c/p>\n\u003cp>\u003cstrong>Olivia Allen-Price: \u003c/strong>Today on the show, we’ll dig into the history of San Francisco’s earthquake cottages. We’ll learn how critical they were in sheltering a vulnerable…but vital.. population and learn about modern efforts to save them. I’m Olivia Allen-Price and you’re listening to Bay Curious. Stay with us.\u003c/p>\n\u003cp>\u003cem>Sponsor message\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Olivia Allen-Price: \u003c/strong>We set out to answer Charity’s question by searching for “earthquake shacks”…tiny homes built out of redwood and cedar after the 1906 earthquake and fire. Bay Curious editor and producer Katrina Schwartz found one high on a hill in Bernal Heights.\u003c/p>\n\u003cp>\u003cstrong>Joan Hunter: \u003c/strong>You want a little tour? Ok, this is our tiny kitchen and I believe this rectangle room is the original earthquake shack and this part is added on, but it’s kind of hard to say exactly. I’m Joan Hunter. I live in Bernal Heights, San Francisco, California in an earthquake cottage or earthquake shack, as some would like to say.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>I’m standing with Joan in her light filled living room…all that’s left of the original cottage. It’s a modestly sized room, but has tall ceilings and windows that look out over a sweeping view of San Francisco.\u003c/p>\n\u003cp>What started out as a one room cottage has been expanded quite a bit…it’s about 620 square feet now, still small by modern standards.\u003c/p>\n\u003cp>\u003cstrong>Joan Hunter: \u003c/strong>Okay, so this is a little bedroom we have in the front and all of our rooms, this is a theme for the house, everything is small, very, very small.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz:\u003c/strong> Joan’s got two kids…so the house can feel like a tight squeeze at times. But she fell in love with the history of the place.\u003c/p>\n\u003cp>\u003cstrong>Joan Hunter: \u003c/strong>what I do know is that the guy who bought it, he was a little kind of like a bachelor. And he met someone who was also single and they moved together and they got married. And it was just a love story.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Joan likes thinking that after they survived the worst natural disaster San Francisco has ever experienced…and been homeless for months because of it…that they finally found some tranquility here, a little piece of San Francisco to call their own.\u003c/p>\n\u003cp>\u003cem>Music to help us transition\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>The Great 1906 Earthquake and Fire leveled 80 percent of San Francisco. The morning of April 18, 1906 Bay Area residents awoke early in the morning to a temblor they’d never forget.\u003c/p>\n\u003cp>\u003cem>Sounds of shaking\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Kathleen Norris: \u003c/strong>Every picture on the wall is going tack, tack, tack. Everything movable in the house is keeping up that unearthly clatter. You could hear up and down the roads, earthquake. It’s an earthquake. Oh, God help us, it’s an earthquake. of course, it changed the world for all of us.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Kathleen Norris shared her oral history with the Bancroft Library in 1960. There was no audio recorded during the disaster, but anyone who survived it remembered the trauma of it clearly…even fifty years later. Kathleen was in Mill Valley when the earthquake hit…where the damage wasn’t too bad. But she and her brother were curious about how San Francisco had fared…so they found a boat that took them to the city.\u003c/p>\n\u003cp>\u003cstrong>Joan Hunter: \u003c/strong>It was something to see. The great, heavy, slow rolls of smoke that were joining hands as they went up.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Kathleen describes refugees fleeing homes that had been leveled, toting their belongings in baby carriages and wheel barrows.\u003c/p>\n\u003cp>\u003cstrong>Kathleen Norris: \u003c/strong>We walked over the hot, hot rocks of Market Street. And of course, the cable car lines were twisted hairpins. And the houses were all down. There was nothing saved. Nothing was accepted.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>And yet, the image that lingered in her mind…even as the smoke lay heavy over the hills… was of people getting to work to repair their city.\u003c/p>\n\u003cp>\u003cstrong>Kathleen Norris: \u003c/strong>And already there were people helping out and organizing, scraping bricks. The bricks were hot. And they were working away. Nobody felt for an instant, oh, let’s go somewhere else. Everyone knew that the city was going to come back.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>As indeed it would. Just nine years after the earthquake and fire, San Francisco hosted the 1915 Panama Pacific International Exposition…the reason the Palace of Fine Arts was built…a spectacle that 18 million people visited by the time it closed.. Headlines trumpeted the achievement.\u003c/p>\n\u003cp>\u003cstrong>\u003cem>Voice over reading archival newspaper headline:\u003c/em> \u003c/strong>\u003c/p>\n\u003cp>\u003cem>Big Fair is Opened. All eyes on San Francisco. President Flashes Signal\u003c/em>\u003c/p>\n\u003cp>\u003cem>Fair Draws Myriad; All Records For Crowds Fall\u003c/em>\u003c/p>\n\u003cp>\u003cem>Marvelous Exhibits From All Parts of the Earth Assembled by 42 Countries for the Hugest Conclave of Nations in History\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>It was a signal to the world that San Francisco was still \u003cem>the most important\u003c/em> city in the West…one full of invention and achievement.\u003c/p>\n\u003cp>\u003cem>\u003cstrong>Voice over reading archival newspaper headline: \u003c/strong>Tower of Jewels Wreathed in Flames. But it’s only to thrill visitors\u003c/em>\u003c/p>\n\u003cp>\u003cem>Art Smith Sets Hearts Leaping: Aviator’s Loop-the-Loops at Night Traced By Trail of Smoke\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>But how did San Francisco go from the absolute devastation of 1906 to showing off the latest advances in science and art on the world stage just nine years later? This is where the earthquake cottages… or shacks as they’re affectionately called…come into the story.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>So after the 1906 earthquake and fire, more than a quarter of a million people are at least temporarily displaced.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Woody LaBounty is President and CEO of San Francisco Heritage, a nonprofit dedicated to preserving San Francisco history.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>And now, the powers that be have to decide not only how to take care of all these people, but also who’s gonna rebuild the city?\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Immediately after the earthquake and fire, the military stepped in and established tent camps in the city’s parks. But soon a new organization…the San Francisco Relief Corporation…was formed to distribute food, clothes and other aid.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>That covered many aspects of what you have to do when people are refugees, but also a specific housing effort, and that was the earthquake relief cottages.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Officials were worried about sanitation in the tent camps when winter rains came. So, they decided to build 5,610 relief cottages…built with redwood, fir and cedar… to house people. They were painted “park bench green”…literally the color used on Golden Gate Park benches… and clustered in neighborhood parks like Jefferson Square, Precita Park, and Portsmouth Square. Around 17,000 people lived in them.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>If you owned property or you had a property that had been destroyed in the earthquake, you rebuilt or you figured out a way to move on. But there was a vast number of people who didn’t have any other resources.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>These were San Francisco’s poor, folks who had lived in boarding houses or shared rooms downtown before the fire. City leaders wanted to keep these laborers with the skills to rebuild the city close by. But they didn’t plan to give away the cottages for free.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>So for all of wanting to take care of the refugees, there was also a fear at the time of creeping socialism. People in power did not want to give anybody anything for nothing. So they thought it would create indigence. And so you were supposed to pay some sort of rent.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Here’s how it worked. Shack residents paid monthly rent of a few dollars while their shacks were in the parks. But the relief corporation returned that money when a resident bought some land and moved the shack out of the park and onto their own property.That generosity was spurred by pressure to move refugees and their cottages out of the parks as soon as possible.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>As other San Franciscans were ready to move on from the disaster, they didn’t like the idea that their parks had a community, a village of working-class people. Living in the middle of their park. They wanted their parks back.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>About a year and a half after the earthquake, in the summer of 1907, most of the shacks had been removed from the parks. Newspapers at the time described the surreal image of tiny homes on wagons moving across the city with people still in them.\u003c/p>\n\u003cp>\u003cem>\u003cstrong>Voice over reading archival newspaper excerpt:\u003c/strong> It is a strange sight to see a procession of these refugee cottages moving down fashionable Van Ness Avenue or busy Fillmore Street, faces peering from the windows, and men, women and children going about their household tasks as if their little home was securely perched upon a cement foundation and surrounded by a garden and a fence.\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Back in 1907, the Richmond District, a northwestern neighborhood, was mostly undeveloped sand dunes, with lots of empty land. So many shack owners moved their cottages to vacant plots there.\u003c/p>\n\u003cp>Woody says the earthquake shack program not only got the city working again…\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>\u003cspan style=\"text-decoration: line-through\">I\u003c/span>t also gave people who never would have dreamed, I think, of owning a home a chance to get into that American dream. So you get the earthquake cottage, you’re a refugee who has nothing, and now suddenly you buy a lot for 100 bucks in the sand dunes of the Richmond, you have pretty much a free house.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Bernal Heights is another place with many earthquake cottages…people just moved their shacks from Precita Park to open land up the hill.\u003c/p>\n\u003cp>And some of them are still there…like the house we toured at the beginning of this episode.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>The one sort of key touchstone that you can tell about a cottage is the roof line. It has a very shallow pitched roof, kind of like a pup tent, like a Boy Scout tent. And then that is like your first hint because a lot of small buildings you’ll see have very steep pitched or flat roofs.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Woody says many shack owners quickly made improvements to their new homes — painting, building fences, adding additional rooms.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>There was sort of a stigma of having an earthquake cottage for a few years because it sort of signified you were a refugee, you needed help, you were poor. So people often, they quickly tried to hide sort of the pedigree of their houses and cover them with shingles quickly.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>They wanted to hide that telling park bench green color. Most existing earthquake cottages are surrounded by modern additions. Or sometimes they’re a couple shacks placed together. That’s one reason it’s really hard to know how many still exist in San Francisco, they’re hidden. But Woody estimates between 30 and 50 earthquake cottages are dotted across the city.\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>The cottage in the front is made up of three and a half shacks, and then there’s a free-standing mid-size shack in the backyard.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>This is Jane Cryan. She rented one of these preserved earthquake shacks in the outer Sunset in the 1980s. Jane is best known as a “shacktivist”…fighting to preserve earthquake cottages from development. But if it weren’t for the Beat movement in the 1950s, she never would have moved here in the first place.\u003c/p>\n\u003cp> \u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>The only reason I ended up in San Francisco is that Jack Kerouac, with whom I had correspondence from the time I was 16 years old told me that Milwaukee was no place for a poet. You should be in San Francisco.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>By day she was an executive assistant, but writing and jazz piano were her passions.\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>And I moved in and I played piano for about six weeks, day and night, and an elderly gentleman from across the street came over and shook his finger at me and he said, young lady, do you know that you’re living in a couple of relief houses pasted together?\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Her three room cottage was actually three earthquake shacks pasted together. This was 1982 and Jane had lived in San Francisco almost 20 years. But she’d never even heard of the 1906 earthquake and fire. Her neighbor’s passing comment sparked her curiosity. She spent nights and weekends obsessively going through old newspaper archives to learn as much as she could about the disaster and the earthquake cottages.\u003c/p>\n\u003cp>Meanwhile, her landlord made it known that he planned to sell her cottage…or worse demolish it and sell the lot.\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>Take down our history. So I had to do something.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Preserving these cottages — tangible pieces of such important history — became her life’s work. She took inspiration from one of the 1906 earthquake refugees she learned about in her research, a woman named Mary Kelly. Mary was an agitator, constantly questioning how the relief corporation dolled out aid and whether it was fair. She was such a pain to them they eventually evicted her from her cottage. But she refused to leave, famously saying:\u003c/p>\n\u003cp>\u003cem>\u003cstrong>Voice over portraying Mary Kelly:\u003c/strong> They can’t bluff me. I’ll stay with the house if they take it to the end of the earth.\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>She rode in her cottage as men hauled it onto a wagon and trucked it away. She stayed inside as they dismantled the cottage board by board. Jane finds Mary’s tenacity — and willingness to stand up to power — endearing.\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>She was exactly the way I was. If I saw something, I said something. And if I saw something that was not right, I said something louder.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Jane started a nonprofit called The Society for the Preservation and Appreciation of San Francisco Refugee Shacks. She fought hard to get the planning commission to designate her little shack a historic landmark.\u003c/p>\n\u003cp>And she was successful!\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>Landmark number 171.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>But it was a bittersweet victory. The commission also said that Jane had to vacate the cottage in order to compensate the landlord for putting restrictions on his property. Jane bounced around from place to place after that, eventually moving back to Wisconsin, where she’s originally from.\u003c/p>\n\u003cp>\u003cstrong>Katrina in the tape: \u003c/strong>What do you miss most about San Francisco?\u003c/p>\n\u003cp>\u003cstrong>Jane Cryan: \u003c/strong>Oh, everything! Oh my god, San Francisco is the queen of the Golden West, for heaven’s sake!\u003c/p>\n\u003cp>\u003cem>Music\u003c/em>\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Historian Woody LaBounty says there are probably more earthquake cottages than we know. They’re hiding in people’s backyards, incorporated into bigger houses or used as sheds.\u003c/p>\n\u003cp>\u003cstrong>Woody LaBounty: \u003c/strong>They’re the last sort of most visible, tangible sign of one of the biggest things that ever happened to the city of San Francisco.\u003c/p>\n\u003cp>\u003cstrong>Katrina Schwartz: \u003c/strong>Increasingly these little cottages are being bought and torn down to make room for larger homes. But the ones that remain are a reminder of a refugee relief program that not only got people back on their feet, but made them homeowners. An example of San Franciscans coming together to repair and resurrect a beloved city.\u003c/p>\n\u003cp>\u003cstrong>Olivia Allen-Price:\u003c/strong> That was Bay Curious editor and producer Katrina Schwartz. Special thanks this week to \u003ca href=\"https://californiarevealed.org/\">California Revealed\u003c/a>, an online database of oral histories and other archival materials. They helped us find Kathleen Norris’ oral history.\u003c/p>\n\u003cp>Bay Curious is made in San Francisco at member-supported KQED. Right now your membership means more than ever, give at \u003ca href=\"http://kqed.org/donate\">KQED.org/donate\u003c/a>.\u003c/p>\n\u003cp>Our show is produced by Gabriela Glueck, Christopher Beale, Katrina Schwartz and me, Olivia Allen-Price.\u003c/p>\n\u003cp>Extra support from Maha Sanad, Katie Sprenger, Jen Chien, Ethan Toven-Lindsey and everyone on team KQED.\u003c/p>\n\u003cp>Have a wonderful week.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>"
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"title": "California Passed Big Housing Laws in 2025. What Does That Mean for Building More Homes?",
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"content": "\u003cp>The California state legislature passed a bevy of blockbuster housing bills last year. Some took aim at the state’s \u003ca href=\"https://www.kqed.org/news/12046558/california-lawmakers-approve-major-overhaul-of-landmark-environmental-law\">landmark environmental law\u003c/a>, which critics argued blocked development for years. Others aim to reshape how housing is built near \u003ca href=\"https://www.kqed.org/news/12059533/newsom-signs-ambitious-bill-to-boost-housing-density-near-public-transit\">major transit stops\u003c/a> or promise to hasten recovery after a disaster.\u003c/p>\n\u003cp>As those laws go into effect this year, some housing experts say they mark a seismic shift in attitudes towards the state’s housing affordability crisis and lawmakers’ appetite for solving it.\u003c/p>\n\u003cp>\u003cstrong>“\u003c/strong>2025 was a landmark year on the substance, but I think in many ways, more importantly, the symbolism of achieving some of these major policy changes is really significant,” said Matt Lewis, a spokesperson for California YIMBY.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>While many of the new laws focus on creating new housing, tenant rights advocates argue the state needs to do more to keep existing housing stock affordable. Zach Murray, the state campaign coordinator for tenants rights organization Alliance of Californians for Community Empowerment, said they hope to gain ground for renters this year by advancing bills that stalled in committee in 2025.\u003c/p>\n\u003cp>“With new construction… any promise of affordability that comes from getting more units is five to ten years down the line,” he said. “We know that folks are struggling right now.”\u003c/p>\n\u003cp>Keep reading for some of the 2026 laws that will impact housing construction and renters this year:\u003c/p>\n\u003ch2>Reforms to California’s landmark environmental law\u003c/h2>\n\u003cp>Some of the biggest laws to go into effect this year deal with the California Environmental Quality Act, also known as CEQA. The law applies to most developments — think parks, apartments, hospitals and most everything in between — and requires developers to evaluate whether their project negatively impacts the environment, and make changes to mitigate those impacts.\u003c/p>\n\u003cp>For years, critics argued that CEQA complicated and prolonged the development process, making building more expensive and difficult, and stalling crucial infrastructure projects.\u003c/p>\n\u003cfigure id=\"attachment_12003447\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12003447\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Gov. Gavin Newsom speaks next to Attorney General Rob Bonta during a press conference on Sept. 4, 2024, in Sacramento. \u003ccite>(Sophie Austin/AP Photo)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>When Gov. Gavin Newsom finalized \u003ca href=\"https://www.kqed.org/news/12046558/california-lawmakers-approve-major-overhaul-of-landmark-environmental-law\">last year’s budget\u003c/a>, he included two bills that exempted certain projects from CEQA review. \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260AB130\">AB 130\u003c/a> exempts urban infill housing while \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB131\">SB 131\u003c/a> exempts other types of projects, including those related to high-speed rail,\u003ca href=\"https://www.kqed.org/news/12011579/lawsuit-from-napa-neighbors-could-block-much-needed-child-care-expansion\"> childcare centers\u003c/a>, wildfire mitigation and advanced manufacturing.\u003c/p>\n\u003cp>Lewis said the two bills would have likely died in committee in previous years, but as more people, including lawmakers, feel the pinch of the state’s housing affordability crisis, controversial bills have a better chance of getting passed.\u003c/p>\n\u003cp>“Now Californians are getting increasingly attenuated, not just to the nature of the shortage, but the fact that, at the root, we have to build a lot more homes,” he said.\u003c/p>\n\u003ch2>Reshaping how housing is built near transit\u003c/h2>\n\u003cp>The other big bill to come out of 2025 was SB 79, authored by State Sen. Scott Wiener, D-San Francisco. The bill was seven years in the making, with Wiener introducing three versions that all failed to win approval.\u003c/p>\n\u003cfigure id=\"attachment_12039671\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12039671\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Sen. Scott Wiener speaks during a press conference in Union Square, San Francisco, on Feb. 18, 2025. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Wiener hopes the version that made it across the finish line will help solve two issues: a lack of dense housing near public transit stops and \u003ca href=\"https://www.kqed.org/forum/2010101911215/the-uncertain-future-of-bay-area-transit\">low transit ridership \u003c/a>since the pandemic.\u003c/p>\n\u003cp>It allows apartment buildings up to seven stories tall, if they’re within a quarter mile of certain train stations. The bill also tries to encourage housing development near light rail stations and busy bus stops.\u003c/p>\n\u003ch2>Building more teacher housing\u003c/h2>\n\u003cp>Some laws going into effect this year aim to empower schools to quickly build housing on their land. \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB1021\">AB 1021\u003c/a> would make it easier for school districts and other local educational agencies to develop educator workforce housing on property they own.\u003c/p>\n\u003cp>In a similar vein, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB648\">AB 648\u003c/a> states that community colleges don’t have to comply with local zoning rules if they are building university housing on property they own.[aside postID=news_12067581 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/RefrigeratorsGetty.jpg']\u003c/p>\n\u003ch2>Emergency rebuilding\u003c/h2>\n\u003cp>Following last year’s \u003ca href=\"https://www.kqed.org/news/tag/la-fires\">Los Angeles wildfires\u003c/a>, many lawmakers introduced bills hoping to cut through red tape and hasten reconstruction after disasters. \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB818\">AB 818\u003c/a> requires local agencies to approve or deny permit applications within 10 days of receipt during a local emergency.\u003c/p>\n\u003cp>\u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB1007\">AB 1007\u003c/a> reduces the time agencies have to review and comment on development permit applications from 90 days to 45. \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260AB301\">AB 301\u003c/a> deals with the postentitlement review process, which happens after a project receives approval from a local planning department. It requires agencies to determine whether a permit application is complete within 15 days of receipt and to approve projects within 30 to 60 business days, depending on size.\u003c/p>\n\u003ch2>Renters and property owners\u003c/h2>\n\u003cp>While rent isn’t getting any cheaper across most of the state, renters can look forward to some new protections this year. \u003ca href=\"https://www.kqed.org/news/12067581/in-2026-all-rental-homes-in-california-will-need-to-have-these-2-things\">AB 628\u003c/a> requires landlords to provide tenants with a working refrigerator and stove and to repair or replace them if they stop working.\u003c/p>\n\u003cp>Following recent government shutdowns, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260AB246\">AB 246\u003c/a>, also known as the Social Security Tenant Protection Act of 2025, would protect tenants who rely on Social Security payments from eviction, if funds are frozen due action or inaction from the federal government.\u003c/p>\n\u003cfigure id=\"attachment_12068872\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12068872\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-17-BL_qed.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-17-BL_qed.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-17-BL_qed-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-17-BL_qed-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Mayor Daniel Lurie breaks ground alongside members of the team behind a new housing project during a groundbreaking ceremony at 750 Golden Gate Ave., in San Francisco, on June 18, 2025. The event marked the start of two affordable housing developments — one with 75 units prioritized for SFUSD and City College educators, and another at 850 Turk that will add 92 family apartments. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Tenant rights advocates have their eyes on the horizon and hope to focus efforts on passing the \u003ca href=\"https://www.kqed.org/news/12034212/california-lawmakers-push-lower-rent-cap-expand-protections-property-owners-worried\">Affordable Rent Act\u003c/a> in 2026, which was introduced last year, but \u003ca href=\"https://www.kqed.org/news/12038224/california-bill-expand-rent-control-pulled-for-year-bay-area-lawmaker\">became a two-year bill \u003c/a>following heavy opposition from state real estate and landlord groups.\u003c/p>\n\u003cp>“We’ve been involved in a lot of efforts across the state to bring attention to this,” said Zach Murray of the Alliance of Californians for Community Empowerment. “This is an important tangible step the legislature can take to actually address affordability for renters across California.”\u003c/p>\n\u003cp>The bill would expand the 2019 Tenant Protection Act to more renters, lower the amount rent can increase each year and make those changes permanent by removing a 2030 sunset date.\u003c/p>\n\u003cp>Property owners, however, are concerned that more regulation will mean higher costs for small landlords. Adam Pearce, president of the California Rental Housing Association, said he’s excited to see whether the laws impacting new housing construction result in more supply, but worries that more laws for landlords “make it difficult for us to operate.”\u003c/p>\n\u003cp>“When you make it harder [with] more mandates, it’s the smaller folks that suffer because we don’t have the big purses that can absorb this.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"excerpt": "California lawmakers made bold moves to reform California’s landmark environmental law and dramatically change how housing is built near transit. As these laws come into effect, what changes for housing developers, property owners and renters?",
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"title": "California Passed Big Housing Laws in 2025. What Does That Mean for Building More Homes? | KQED",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>The California state legislature passed a bevy of blockbuster housing bills last year. Some took aim at the state’s \u003ca href=\"https://www.kqed.org/news/12046558/california-lawmakers-approve-major-overhaul-of-landmark-environmental-law\">landmark environmental law\u003c/a>, which critics argued blocked development for years. Others aim to reshape how housing is built near \u003ca href=\"https://www.kqed.org/news/12059533/newsom-signs-ambitious-bill-to-boost-housing-density-near-public-transit\">major transit stops\u003c/a> or promise to hasten recovery after a disaster.\u003c/p>\n\u003cp>As those laws go into effect this year, some housing experts say they mark a seismic shift in attitudes towards the state’s housing affordability crisis and lawmakers’ appetite for solving it.\u003c/p>\n\u003cp>\u003cstrong>“\u003c/strong>2025 was a landmark year on the substance, but I think in many ways, more importantly, the symbolism of achieving some of these major policy changes is really significant,” said Matt Lewis, a spokesperson for California YIMBY.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>While many of the new laws focus on creating new housing, tenant rights advocates argue the state needs to do more to keep existing housing stock affordable. Zach Murray, the state campaign coordinator for tenants rights organization Alliance of Californians for Community Empowerment, said they hope to gain ground for renters this year by advancing bills that stalled in committee in 2025.\u003c/p>\n\u003cp>“With new construction… any promise of affordability that comes from getting more units is five to ten years down the line,” he said. “We know that folks are struggling right now.”\u003c/p>\n\u003cp>Keep reading for some of the 2026 laws that will impact housing construction and renters this year:\u003c/p>\n\u003ch2>Reforms to California’s landmark environmental law\u003c/h2>\n\u003cp>Some of the biggest laws to go into effect this year deal with the California Environmental Quality Act, also known as CEQA. The law applies to most developments — think parks, apartments, hospitals and most everything in between — and requires developers to evaluate whether their project negatively impacts the environment, and make changes to mitigate those impacts.\u003c/p>\n\u003cp>For years, critics argued that CEQA complicated and prolonged the development process, making building more expensive and difficult, and stalling crucial infrastructure projects.\u003c/p>\n\u003cfigure id=\"attachment_12003447\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12003447\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/09/GavinNewsomAP-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Gov. Gavin Newsom speaks next to Attorney General Rob Bonta during a press conference on Sept. 4, 2024, in Sacramento. \u003ccite>(Sophie Austin/AP Photo)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>When Gov. Gavin Newsom finalized \u003ca href=\"https://www.kqed.org/news/12046558/california-lawmakers-approve-major-overhaul-of-landmark-environmental-law\">last year’s budget\u003c/a>, he included two bills that exempted certain projects from CEQA review. \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260AB130\">AB 130\u003c/a> exempts urban infill housing while \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB131\">SB 131\u003c/a> exempts other types of projects, including those related to high-speed rail,\u003ca href=\"https://www.kqed.org/news/12011579/lawsuit-from-napa-neighbors-could-block-much-needed-child-care-expansion\"> childcare centers\u003c/a>, wildfire mitigation and advanced manufacturing.\u003c/p>\n\u003cp>Lewis said the two bills would have likely died in committee in previous years, but as more people, including lawmakers, feel the pinch of the state’s housing affordability crisis, controversial bills have a better chance of getting passed.\u003c/p>\n\u003cp>“Now Californians are getting increasingly attenuated, not just to the nature of the shortage, but the fact that, at the root, we have to build a lot more homes,” he said.\u003c/p>\n\u003ch2>Reshaping how housing is built near transit\u003c/h2>\n\u003cp>The other big bill to come out of 2025 was SB 79, authored by State Sen. Scott Wiener, D-San Francisco. The bill was seven years in the making, with Wiener introducing three versions that all failed to win approval.\u003c/p>\n\u003cfigure id=\"attachment_12039671\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12039671\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/05/250218-SFDowntown-03-BL_qed-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Sen. Scott Wiener speaks during a press conference in Union Square, San Francisco, on Feb. 18, 2025. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Wiener hopes the version that made it across the finish line will help solve two issues: a lack of dense housing near public transit stops and \u003ca href=\"https://www.kqed.org/forum/2010101911215/the-uncertain-future-of-bay-area-transit\">low transit ridership \u003c/a>since the pandemic.\u003c/p>\n\u003cp>It allows apartment buildings up to seven stories tall, if they’re within a quarter mile of certain train stations. The bill also tries to encourage housing development near light rail stations and busy bus stops.\u003c/p>\n\u003ch2>Building more teacher housing\u003c/h2>\n\u003cp>Some laws going into effect this year aim to empower schools to quickly build housing on their land. \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB1021\">AB 1021\u003c/a> would make it easier for school districts and other local educational agencies to develop educator workforce housing on property they own.\u003c/p>\n\u003cp>In a similar vein, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB648\">AB 648\u003c/a> states that community colleges don’t have to comply with local zoning rules if they are building university housing on property they own.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch2>Emergency rebuilding\u003c/h2>\n\u003cp>Following last year’s \u003ca href=\"https://www.kqed.org/news/tag/la-fires\">Los Angeles wildfires\u003c/a>, many lawmakers introduced bills hoping to cut through red tape and hasten reconstruction after disasters. \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB818\">AB 818\u003c/a> requires local agencies to approve or deny permit applications within 10 days of receipt during a local emergency.\u003c/p>\n\u003cp>\u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB1007\">AB 1007\u003c/a> reduces the time agencies have to review and comment on development permit applications from 90 days to 45. \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260AB301\">AB 301\u003c/a> deals with the postentitlement review process, which happens after a project receives approval from a local planning department. It requires agencies to determine whether a permit application is complete within 15 days of receipt and to approve projects within 30 to 60 business days, depending on size.\u003c/p>\n\u003ch2>Renters and property owners\u003c/h2>\n\u003cp>While rent isn’t getting any cheaper across most of the state, renters can look forward to some new protections this year. \u003ca href=\"https://www.kqed.org/news/12067581/in-2026-all-rental-homes-in-california-will-need-to-have-these-2-things\">AB 628\u003c/a> requires landlords to provide tenants with a working refrigerator and stove and to repair or replace them if they stop working.\u003c/p>\n\u003cp>Following recent government shutdowns, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260AB246\">AB 246\u003c/a>, also known as the Social Security Tenant Protection Act of 2025, would protect tenants who rely on Social Security payments from eviction, if funds are frozen due action or inaction from the federal government.\u003c/p>\n\u003cfigure id=\"attachment_12068872\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12068872\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-17-BL_qed.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-17-BL_qed.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-17-BL_qed-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/250618-NewTeacherHousing-17-BL_qed-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Mayor Daniel Lurie breaks ground alongside members of the team behind a new housing project during a groundbreaking ceremony at 750 Golden Gate Ave., in San Francisco, on June 18, 2025. The event marked the start of two affordable housing developments — one with 75 units prioritized for SFUSD and City College educators, and another at 850 Turk that will add 92 family apartments. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Tenant rights advocates have their eyes on the horizon and hope to focus efforts on passing the \u003ca href=\"https://www.kqed.org/news/12034212/california-lawmakers-push-lower-rent-cap-expand-protections-property-owners-worried\">Affordable Rent Act\u003c/a> in 2026, which was introduced last year, but \u003ca href=\"https://www.kqed.org/news/12038224/california-bill-expand-rent-control-pulled-for-year-bay-area-lawmaker\">became a two-year bill \u003c/a>following heavy opposition from state real estate and landlord groups.\u003c/p>\n\u003cp>“We’ve been involved in a lot of efforts across the state to bring attention to this,” said Zach Murray of the Alliance of Californians for Community Empowerment. “This is an important tangible step the legislature can take to actually address affordability for renters across California.”\u003c/p>\n\u003cp>The bill would expand the 2019 Tenant Protection Act to more renters, lower the amount rent can increase each year and make those changes permanent by removing a 2030 sunset date.\u003c/p>\n\u003cp>Property owners, however, are concerned that more regulation will mean higher costs for small landlords. Adam Pearce, president of the California Rental Housing Association, said he’s excited to see whether the laws impacting new housing construction result in more supply, but worries that more laws for landlords “make it difficult for us to operate.”\u003c/p>\n\u003cp>“When you make it harder [with] more mandates, it’s the smaller folks that suffer because we don’t have the big purses that can absorb this.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"title": "Trump Administration Sues Morgan Hill, Petaluma Over Local Natural Gas Bans",
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"content": "\u003cp>The Trump administration sued the Bay Area cities of Morgan Hill and \u003ca href=\"https://www.kqed.org/news/tag/petaluma\">Petaluma\u003c/a> on Monday to block their bans on \u003ca href=\"https://www.kqed.org/science/tag/natural-gas\">natural gas infrastructure\u003c/a> in new buildings.\u003c/p>\n\u003cp>The lawsuit, filed in the U.S. District Court for the Northern District of California, claimed the local decarbonization measures deny consumers reliable and affordable energy while undermining “American energy dominance.”\u003c/p>\n\u003cp>Morgan Hill adopted its natural gas prohibition in late 2019, effective for all new building permit applications starting in March 2020. Petaluma followed suit in May 2021 by adopting an all-electric ordinance that expanded the ban to include “substantial building alterations.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Both cities left specific exceptions for the use of portable propane appliances in outdoor cooking and heating areas. Despite some carve-outs, U.S. attorneys argued that these local ordinances violate a \u003ca href=\"https://www.congress.gov/bill/94th-congress/senate-bill/622\">1975 law\u003c/a> granting the federal government the sole authority to set “energy use” standards for products such as stoves and water heaters.\u003c/p>\n\u003cp>By banning the fuel gas piping “in pursuit of electrification,” the government argued, the cities “undermine and conflict with” federal energy policy.\u003c/p>\n\u003cp>“The natural gas bans not only impose crushing costs on California residents but are also unlawful,” the formal complaint stated.\u003c/p>\n\u003cfigure id=\"attachment_12068892\" class=\"wp-caption aligncenter\" style=\"max-width: 1795px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12068892\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/naturalgas_001_qed.jpg\" alt=\"\" width=\"1795\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/naturalgas_001_qed.jpg 1795w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/naturalgas_001_qed-160x119.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/naturalgas_001_qed-1536x1141.jpg 1536w\" sizes=\"auto, (max-width: 1795px) 100vw, 1795px\">\u003cfigcaption class=\"wp-caption-text\">A Kenmore natural gas stove on July 17, 2019. \u003ccite>(Lindsey Moore/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Morgan Hill City Attorney Donald Larkin told KQED the city has already shifted its practices following a 2024 ruling from the 9th Circuit Court of Appeals. That case, \u003ca href=\"https://cdn.ca9.uscourts.gov/datastore/opinions/2023/04/17/21-16278.pdf\">California Restaurant Association v. City of Berkeley\u003c/a>, stopped Berkeley’s similar 2019 ordinance banning natural gas hookups and established that local building codes cannot bypass federal energy laws.\u003c/p>\n\u003cp>Other California cities, including Los Angeles, San Luis Obispo and Santa Cruz, have already moved to fully repeal or suspend their gas bans following the Berkeley decision.\u003c/p>\n\u003cp>Larkin noted that Morgan Hill has complied with federal standards as interpreted by recent court decisions and has not denied permits based on the 2019 ordinance since the Berkeley ruling.\u003c/p>\n\u003cp>“While we are still reviewing the complaint, this lawsuit appears to be an unnecessary effort to require the City to follow laws with which the City is already in compliance,” Larkin said in a statement.[aside postID=science_1999616 hero='https://cdn.kqed.org/wp-content/uploads/sites/35/2025/12/251021-I-580-MD-03_qed.jpg']Morgan Hill Mayor Mark Turner echoed this, stating that city staff have affirmed the ordinance has not been enforced to deny gas infrastructure to any project. However, Turner expressed concern over California’s “overly aggressive push” to electrify homes already plumbed with gas, calling the policy “divorced from reality.”\u003c/p>\n\u003cp>“Homeowners are being pushed toward expensive appliance conversions while PG&E, already unable to deliver reliable, affordable power, struggles to meet existing demand,” Turner said. “Federal leadership should be stepping in to slow or eliminate unrealistic timelines and protect communities from mandates that outpace the very systems required to sustain them.”\u003c/p>\n\u003cp>The federal case relies on the 1975 law, the U.S. Energy Policy and Conservation Act, to argue that a building code prohibiting gas pipes is effectively a ban on the appliances themselves. This builds on the 2024 Berkeley ruling, which established that cities cannot indirectly block the use of gas appliances by cutting off the infrastructure needed for them to function.\u003c/p>\n\u003cp>U.S. lawyers argued that allowing these local bans to stand would create a “patchwork of inconsistent regulations” that would burden manufacturers and distributors nationwide. They claim that Congress intentionally created a uniform national standard to prevent exactly this type of local intervention.\u003c/p>\n\u003cp>Petaluma Mayor Kevin McDonnell called the lawsuit “very sudden and unexpected” in a statement and referred all further comments to the city attorney. In a follow-up statement, city officials echoed Morgan Hill’s defense, calling the legal action an “unnecessary effort” to compel compliance with a law the city is already following.\u003c/p>\n\u003cp>Officials stated that Petaluma has not enforced its 2021 electrification regulations since the 9th Circuit ruling and has not denied any permit applications based on those rules.\u003c/p>\n\u003cp>“In any event, the City has observed that developers have generally opted voluntarily to install electric utilities,” the city said in a statement. Like Morgan Hill, Petaluma officials say they only became aware of the complaint through press inquiries and maintain that the litigation is unnecessary.\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>The Trump administration sued the Bay Area cities of Morgan Hill and \u003ca href=\"https://www.kqed.org/news/tag/petaluma\">Petaluma\u003c/a> on Monday to block their bans on \u003ca href=\"https://www.kqed.org/science/tag/natural-gas\">natural gas infrastructure\u003c/a> in new buildings.\u003c/p>\n\u003cp>The lawsuit, filed in the U.S. District Court for the Northern District of California, claimed the local decarbonization measures deny consumers reliable and affordable energy while undermining “American energy dominance.”\u003c/p>\n\u003cp>Morgan Hill adopted its natural gas prohibition in late 2019, effective for all new building permit applications starting in March 2020. Petaluma followed suit in May 2021 by adopting an all-electric ordinance that expanded the ban to include “substantial building alterations.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Both cities left specific exceptions for the use of portable propane appliances in outdoor cooking and heating areas. Despite some carve-outs, U.S. attorneys argued that these local ordinances violate a \u003ca href=\"https://www.congress.gov/bill/94th-congress/senate-bill/622\">1975 law\u003c/a> granting the federal government the sole authority to set “energy use” standards for products such as stoves and water heaters.\u003c/p>\n\u003cp>By banning the fuel gas piping “in pursuit of electrification,” the government argued, the cities “undermine and conflict with” federal energy policy.\u003c/p>\n\u003cp>“The natural gas bans not only impose crushing costs on California residents but are also unlawful,” the formal complaint stated.\u003c/p>\n\u003cfigure id=\"attachment_12068892\" class=\"wp-caption aligncenter\" style=\"max-width: 1795px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12068892\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/naturalgas_001_qed.jpg\" alt=\"\" width=\"1795\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/naturalgas_001_qed.jpg 1795w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/naturalgas_001_qed-160x119.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/naturalgas_001_qed-1536x1141.jpg 1536w\" sizes=\"auto, (max-width: 1795px) 100vw, 1795px\">\u003cfigcaption class=\"wp-caption-text\">A Kenmore natural gas stove on July 17, 2019. \u003ccite>(Lindsey Moore/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Morgan Hill City Attorney Donald Larkin told KQED the city has already shifted its practices following a 2024 ruling from the 9th Circuit Court of Appeals. That case, \u003ca href=\"https://cdn.ca9.uscourts.gov/datastore/opinions/2023/04/17/21-16278.pdf\">California Restaurant Association v. City of Berkeley\u003c/a>, stopped Berkeley’s similar 2019 ordinance banning natural gas hookups and established that local building codes cannot bypass federal energy laws.\u003c/p>\n\u003cp>Other California cities, including Los Angeles, San Luis Obispo and Santa Cruz, have already moved to fully repeal or suspend their gas bans following the Berkeley decision.\u003c/p>\n\u003cp>Larkin noted that Morgan Hill has complied with federal standards as interpreted by recent court decisions and has not denied permits based on the 2019 ordinance since the Berkeley ruling.\u003c/p>\n\u003cp>“While we are still reviewing the complaint, this lawsuit appears to be an unnecessary effort to require the City to follow laws with which the City is already in compliance,” Larkin said in a statement.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Morgan Hill Mayor Mark Turner echoed this, stating that city staff have affirmed the ordinance has not been enforced to deny gas infrastructure to any project. However, Turner expressed concern over California’s “overly aggressive push” to electrify homes already plumbed with gas, calling the policy “divorced from reality.”\u003c/p>\n\u003cp>“Homeowners are being pushed toward expensive appliance conversions while PG&E, already unable to deliver reliable, affordable power, struggles to meet existing demand,” Turner said. “Federal leadership should be stepping in to slow or eliminate unrealistic timelines and protect communities from mandates that outpace the very systems required to sustain them.”\u003c/p>\n\u003cp>The federal case relies on the 1975 law, the U.S. Energy Policy and Conservation Act, to argue that a building code prohibiting gas pipes is effectively a ban on the appliances themselves. This builds on the 2024 Berkeley ruling, which established that cities cannot indirectly block the use of gas appliances by cutting off the infrastructure needed for them to function.\u003c/p>\n\u003cp>U.S. lawyers argued that allowing these local bans to stand would create a “patchwork of inconsistent regulations” that would burden manufacturers and distributors nationwide. They claim that Congress intentionally created a uniform national standard to prevent exactly this type of local intervention.\u003c/p>\n\u003cp>Petaluma Mayor Kevin McDonnell called the lawsuit “very sudden and unexpected” in a statement and referred all further comments to the city attorney. In a follow-up statement, city officials echoed Morgan Hill’s defense, calling the legal action an “unnecessary effort” to compel compliance with a law the city is already following.\u003c/p>\n\u003cp>Officials stated that Petaluma has not enforced its 2021 electrification regulations since the 9th Circuit ruling and has not denied any permit applications based on those rules.\u003c/p>\n\u003cp>“In any event, the City has observed that developers have generally opted voluntarily to install electric utilities,” the city said in a statement. Like Morgan Hill, Petaluma officials say they only became aware of the complaint through press inquiries and maintain that the litigation is unnecessary.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"title": "Adjustable-Rate Mortgages Caused Trouble in 2008. They’re Worrying Experts Again",
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"headTitle": "Adjustable-Rate Mortgages Caused Trouble in 2008. They’re Worrying Experts Again | KQED",
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"content": "\u003cp>As the country reemerged from the coronavirus pandemic lockdown in 2021, when \u003ca href=\"https://www.kqed.org/news/12055165/where-can-i-find-new-updated-2025-covid-vaccine-near-me-moderna-pfizer-cvs-walgreens-safeway-vaccinations-health-insurance-cost\">the COVID-19 vaccine\u003c/a> finally arrived, TikTok reached 1 billion downloads and Adele \u003cem>finally\u003c/em> released new music — the \u003ca href=\"https://www.kqed.org/housing\">housing market\u003c/a> also saw its own interesting development. That year, banks offered some of the lowest interest rates seen in over a decade for a type of housing loan known as an adjustable-rate mortgage.\u003c/p>\n\u003cp>If that term \u003cem>sounds\u003c/em> familiar but you can’t place exactly where it’s from, think way before COVID-19 and TikTok. Think 2008 — interestingly enough, when Adele released her \u003cem>first\u003c/em> album. Adjustable-rate mortgages (or “ARMs” for short) made headlines back then for comprising a big chunk of the foreclosures that brought down the housing market.\u003c/p>\n\u003cp>An ARM, to be more precise, is a loan with a monthly interest rate that stays fixed for an initial amount of time — there are options for five, seven and even 10 years. But unlike the more conventional 15- or 30-year fixed mortgage, an ARM’s rate will change after that first period — up or down, depending on where the housing market is then — and keep changing periodically until the borrower pays off the loan.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>ARM rates have gone up significantly since the pandemic — for example, the \u003ca href=\"https://fred.stlouisfed.org/data/MORTGAGE5US\">average rate\u003c/a> for a 5/1 ARM (which promises a fixed interest for the first five years, then changes annually) stayed below 3% for almost all of 2021. Rates for that same kind of mortgage, as of this story’s publishing time, have nearly doubled since then, with many lenders currently offering \u003ca href=\"https://finance.yahoo.com/personal-finance/mortgages/article/mortgage-refinance-rates-today-monday-january-5-2026-110023457.html\">rates above 6%\u003c/a>.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Jump to: \u003ca href=\"#WhatexpertsrecommendifyoureexpectinganincreaseinyourARMratethisyear\">What experts recommend if you’re expecting an increase in your ARM rate this year\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>Many families with a 5/1 ARM could see significantly higher payments when their new rate kicks in this year, said Julian Vogel, assistant professor of finance at San José State University and \u003ca href=\"https://career.rady.ucsd.edu/blog/2023/01/24/what-is-a-chartered-financial-analyst-cfa/\">chartered financial analyst\u003c/a>.\u003c/p>\n\u003cp>“Combined with the \u003ca href=\"https://www.vox.com/money/473182/jobs-hiring-economy-us-market-linkedin\">difficult job market situation\u003c/a>, where fewer people can find adequate employment, higher payments will put a significant strain on a lot of households,” he said, before adding that both the housing market and the laws that regulate it have changed significantly since the last housing crash.\u003c/p>\n\u003cfigure id=\"attachment_12068596\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-12068596 size-full\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty2.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty2.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty2-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty2-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">ARM rates have gone up significantly since the pandemic — for example, the average rate for a 5/1 ARM (which promises a fixed interest for the first five years, then changes annually) stayed below 3% for almost all of 2021. \u003ccite>(Anchiy/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>While he doesn’t think “it will be as big of a deal as in 2008” for the market as a whole, individual households could face some serious financial challenges.\u003c/p>\n\u003cp>Keep reading to hear what insight financial experts shared with KQED on how borrowers can prepare for potentially higher monthly payments and what everyone else needs to know about how this change in the housing market could impact the overall economy.\u003c/p>\n\u003ch2>How do ARMs work?\u003c/h2>\n\u003cp>ARMs tend to have lower starting rates than the typical 30-year fixed mortgage many are familiar with, but they also come with a certain level of uncertainty. “Clients that really expect their income to grow over those periods are willing to make that risk trade-off, knowing that in the future, that rate could adjust either up or down,” said Matt Vernon, head of consumer lending at Bank of America.\u003c/p>\n\u003cp>Who — or what — decides interest rates? If you’re thinking it’s the Federal Reserve, that’s \u003cem>partially\u003c/em> right, but not the whole answer.\u003c/p>\n\u003cp>As the nation’s central bank, the Federal Reserve \u003ca href=\"https://www.npr.org/2025/04/23/1246593555/federal-reserve-independence\">can change\u003c/a> the benchmark interest rate, which is how much banks can charge when borrowing from each other. That number then acts like a baseline for the interest rate banks offer their customers (including on car loans and credit card debt). When rates are low, more people borrow and spend, injecting more money into the economy (This is why President Donald Trump \u003ca href=\"https://www.npr.org/2025/12/10/nx-s1-5633393/federal-reserve-interest-rates-inflation-jobs\">has pressured\u003c/a> the Federal Reserve for months to slash interest rates despite concerns about the possibility of higher inflation.).\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>For a mortgage, other factors also \u003ca href=\"https://www.mortgagenewsdaily.com/learn/mortgage-rates/change\">influence interest rates\u003c/a>, including the borrower’s credit score, job and location of the property, along with how many other people are interested in a similar loan. A mortgage, after all, is like any other good in the economy, where price — the rate — is determined by supply and demand. The more people want mortgages, the higher the rate.\u003c/p>\n\u003ch2>What’s the risk for the economy?\u003c/h2>\n\u003cp>The economic slowdown of 2020 led to the super-low rates of 2021, a year that saw \u003ca href=\"https://www.consumerfinance.gov/data-research/hmda/summary-of-2021-data-on-mortgage-lending/\">15 million mortgages nationwide\u003c/a>, including both ARMs and fixed loans. “We saw a lot of people take out mortgages then because they were unhappy with their living situation, which was at the forefront of their minds during the pandemic and lockdown,” Vogel said.\u003c/p>\n\u003cp>ARMs, however, ended up being only a tiny piece of the post-pandemic mortgage rush.[aside postID=news_12060292 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/ClimateBill_lede.jpg']According to data from the Mortgage Bankers Association, ARMs made up less than 5% of all home loan applications in 2021. That’s a different picture from where the country was leading up to the 2008 financial crisis. Soon after the housing market collapsed, the Federal Reserve found that \u003ca href=\"https://www.federalreserve.gov/pubs/feds/2008/200859/200859pap.pdf\">more than 75% of mortgages\u003c/a> offered to borrowers with bad credit (the infamous “subprime mortgages”) had been some type of ARM. Many borrowers who had received an ARM were financially unprepared when their rates went up and ended up having their homes foreclosed.\u003c/p>\n\u003cp>Having fewer ARMs this time around is a relief for some experts like Vogel, who points out that even if many folks with ARMs fail to make their payments, the number of potential foreclosures will most likely not reach 2008 levels.\u003c/p>\n\u003cp>“We’re not going to see a financial crisis of that measure originate from ARMs,” he said, “but that is mostly because I could see a different, much stronger financial crisis arising from the overall increase in the cost of living and unemployment rate.”\u003c/p>\n\u003ch2>\u003ca id=\"WhatexpertsrecommendifyoureexpectinganincreaseinyourARMratethisyear\">\u003c/a>I have an ARM and expect my rate to change this year. What should I know?\u003c/h2>\n\u003cp>If you secured a 5/1 ARM in 2021, you should receive a notice from your lender this year before your rate actually changes. If you are worried about your ability to pay your new rate, talk with your lender as soon as you can, said Nikki Beasley, executive director of Richmond Neighborhood Housing Services, which helps prepare families in Alameda and Contra Costa counties for homeownership.\u003c/p>\n\u003cp>You should confirm with your banker or mortgage company the loan’s reset date — when your mortgage will switch from the initial fixed-rate to adjustable rates — along with the rate cap and floor, which limit how much your payments can actually change in one year. If your reset date doesn’t kick in until, say, November, where rates are then will be much more relevant than where they are currently in January.\u003c/p>\n\u003cfigure id=\"attachment_12068597\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-12068597 size-full\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty3.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty3.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty3-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty3-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">If you are worried about your ability to pay your new rate, talk with your lender as soon as you can. \u003ccite>(Courtney Hale/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“This is not the time to shut down, to have shame, be embarrassed or have fear,” Beasley said. “Be as transparent as you can be with your lender to say what you can do or what you can’t do.”\u003c/p>\n\u003cp>It’s helpful to share with your lender any changes to your job, income or personal spending habits that have come up since you first signed the mortgage, Beasley added. A housing counseling agency approved by the Department of Housing and Urban Development — like Beasley’s Richmond Neighborhood Housing Services — can also help you organize your budget and make a plan to avoid foreclosure. \u003ca href=\"https://answers.hud.gov/housingcounseling/s/?language=en_US\">\u003cstrong>Find your nearest HUD-approved housing counseling agency.\u003c/strong>\u003c/a>\u003c/p>\n\u003cp>One option you can also consider is refinancing — replacing your current loan with a new one, giving you the opportunity to secure a different rate or payment plan. In some cases, a borrower can even switch from an ARM to a fixed-rate mortgage, allowing for more stability in monthly payments.\u003c/p>\n\u003cp>“It’s important for the consumer to be really transparent with their lending specialist on what are the goals that they’re trying to achieve [with refinancing],” Vernon said. “Do they want lower payments? Do they have the need to access equity or cash? Do they want to shorten the term of their loan?”\u003c/p>\n\u003cp>Keep in mind that refinancing usually comes with closing costs — additional fees that you’re charged for switching over to a new loan. And just because you \u003cem>want\u003c/em> a refinance doesn’t necessarily mean the bank \u003cem>will\u003c/em> give you one.\u003c/p>\n\u003cp>“They may not qualify if their credit score is too low, they’re unable to verify income or their income has changed from what they had when they initially qualified for the loan that they have today,” Vernon said, adding that your financial objectives should also align with the new loan you’re seeking.\u003c/p>\n\u003cp>And if you’re in the difficult position of no longer being able to afford the home at all, also communicate that with your lender, recommended Beasley. “The sooner that you figure that out, you can then have a more graceful transition plan,” she said. “Maybe you are looking to sell, maximize the equity or get something smaller.”\u003c/p>\n\u003cp>“Be more proactive, so you are making this transition with grace, versus it being a very traumatic situation because you didn’t deal with the problem soon enough,” she added.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"excerpt": "Adjustable-rate mortgages made headlines in 2008 for being a factor in the housing crisis. Since the pandemic, these loans have seen a comeback and financial experts are warning borrowers who will see new rates this year to prepare for potentially bigger payments.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>As the country reemerged from the coronavirus pandemic lockdown in 2021, when \u003ca href=\"https://www.kqed.org/news/12055165/where-can-i-find-new-updated-2025-covid-vaccine-near-me-moderna-pfizer-cvs-walgreens-safeway-vaccinations-health-insurance-cost\">the COVID-19 vaccine\u003c/a> finally arrived, TikTok reached 1 billion downloads and Adele \u003cem>finally\u003c/em> released new music — the \u003ca href=\"https://www.kqed.org/housing\">housing market\u003c/a> also saw its own interesting development. That year, banks offered some of the lowest interest rates seen in over a decade for a type of housing loan known as an adjustable-rate mortgage.\u003c/p>\n\u003cp>If that term \u003cem>sounds\u003c/em> familiar but you can’t place exactly where it’s from, think way before COVID-19 and TikTok. Think 2008 — interestingly enough, when Adele released her \u003cem>first\u003c/em> album. Adjustable-rate mortgages (or “ARMs” for short) made headlines back then for comprising a big chunk of the foreclosures that brought down the housing market.\u003c/p>\n\u003cp>An ARM, to be more precise, is a loan with a monthly interest rate that stays fixed for an initial amount of time — there are options for five, seven and even 10 years. But unlike the more conventional 15- or 30-year fixed mortgage, an ARM’s rate will change after that first period — up or down, depending on where the housing market is then — and keep changing periodically until the borrower pays off the loan.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>ARM rates have gone up significantly since the pandemic — for example, the \u003ca href=\"https://fred.stlouisfed.org/data/MORTGAGE5US\">average rate\u003c/a> for a 5/1 ARM (which promises a fixed interest for the first five years, then changes annually) stayed below 3% for almost all of 2021. Rates for that same kind of mortgage, as of this story’s publishing time, have nearly doubled since then, with many lenders currently offering \u003ca href=\"https://finance.yahoo.com/personal-finance/mortgages/article/mortgage-refinance-rates-today-monday-january-5-2026-110023457.html\">rates above 6%\u003c/a>.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Jump to: \u003ca href=\"#WhatexpertsrecommendifyoureexpectinganincreaseinyourARMratethisyear\">What experts recommend if you’re expecting an increase in your ARM rate this year\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>Many families with a 5/1 ARM could see significantly higher payments when their new rate kicks in this year, said Julian Vogel, assistant professor of finance at San José State University and \u003ca href=\"https://career.rady.ucsd.edu/blog/2023/01/24/what-is-a-chartered-financial-analyst-cfa/\">chartered financial analyst\u003c/a>.\u003c/p>\n\u003cp>“Combined with the \u003ca href=\"https://www.vox.com/money/473182/jobs-hiring-economy-us-market-linkedin\">difficult job market situation\u003c/a>, where fewer people can find adequate employment, higher payments will put a significant strain on a lot of households,” he said, before adding that both the housing market and the laws that regulate it have changed significantly since the last housing crash.\u003c/p>\n\u003cfigure id=\"attachment_12068596\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-12068596 size-full\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty2.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty2.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty2-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty2-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">ARM rates have gone up significantly since the pandemic — for example, the average rate for a 5/1 ARM (which promises a fixed interest for the first five years, then changes annually) stayed below 3% for almost all of 2021. \u003ccite>(Anchiy/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>While he doesn’t think “it will be as big of a deal as in 2008” for the market as a whole, individual households could face some serious financial challenges.\u003c/p>\n\u003cp>Keep reading to hear what insight financial experts shared with KQED on how borrowers can prepare for potentially higher monthly payments and what everyone else needs to know about how this change in the housing market could impact the overall economy.\u003c/p>\n\u003ch2>How do ARMs work?\u003c/h2>\n\u003cp>ARMs tend to have lower starting rates than the typical 30-year fixed mortgage many are familiar with, but they also come with a certain level of uncertainty. “Clients that really expect their income to grow over those periods are willing to make that risk trade-off, knowing that in the future, that rate could adjust either up or down,” said Matt Vernon, head of consumer lending at Bank of America.\u003c/p>\n\u003cp>Who — or what — decides interest rates? If you’re thinking it’s the Federal Reserve, that’s \u003cem>partially\u003c/em> right, but not the whole answer.\u003c/p>\n\u003cp>As the nation’s central bank, the Federal Reserve \u003ca href=\"https://www.npr.org/2025/04/23/1246593555/federal-reserve-independence\">can change\u003c/a> the benchmark interest rate, which is how much banks can charge when borrowing from each other. That number then acts like a baseline for the interest rate banks offer their customers (including on car loans and credit card debt). When rates are low, more people borrow and spend, injecting more money into the economy (This is why President Donald Trump \u003ca href=\"https://www.npr.org/2025/12/10/nx-s1-5633393/federal-reserve-interest-rates-inflation-jobs\">has pressured\u003c/a> the Federal Reserve for months to slash interest rates despite concerns about the possibility of higher inflation.).\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>For a mortgage, other factors also \u003ca href=\"https://www.mortgagenewsdaily.com/learn/mortgage-rates/change\">influence interest rates\u003c/a>, including the borrower’s credit score, job and location of the property, along with how many other people are interested in a similar loan. A mortgage, after all, is like any other good in the economy, where price — the rate — is determined by supply and demand. The more people want mortgages, the higher the rate.\u003c/p>\n\u003ch2>What’s the risk for the economy?\u003c/h2>\n\u003cp>The economic slowdown of 2020 led to the super-low rates of 2021, a year that saw \u003ca href=\"https://www.consumerfinance.gov/data-research/hmda/summary-of-2021-data-on-mortgage-lending/\">15 million mortgages nationwide\u003c/a>, including both ARMs and fixed loans. “We saw a lot of people take out mortgages then because they were unhappy with their living situation, which was at the forefront of their minds during the pandemic and lockdown,” Vogel said.\u003c/p>\n\u003cp>ARMs, however, ended up being only a tiny piece of the post-pandemic mortgage rush.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>According to data from the Mortgage Bankers Association, ARMs made up less than 5% of all home loan applications in 2021. That’s a different picture from where the country was leading up to the 2008 financial crisis. Soon after the housing market collapsed, the Federal Reserve found that \u003ca href=\"https://www.federalreserve.gov/pubs/feds/2008/200859/200859pap.pdf\">more than 75% of mortgages\u003c/a> offered to borrowers with bad credit (the infamous “subprime mortgages”) had been some type of ARM. Many borrowers who had received an ARM were financially unprepared when their rates went up and ended up having their homes foreclosed.\u003c/p>\n\u003cp>Having fewer ARMs this time around is a relief for some experts like Vogel, who points out that even if many folks with ARMs fail to make their payments, the number of potential foreclosures will most likely not reach 2008 levels.\u003c/p>\n\u003cp>“We’re not going to see a financial crisis of that measure originate from ARMs,” he said, “but that is mostly because I could see a different, much stronger financial crisis arising from the overall increase in the cost of living and unemployment rate.”\u003c/p>\n\u003ch2>\u003ca id=\"WhatexpertsrecommendifyoureexpectinganincreaseinyourARMratethisyear\">\u003c/a>I have an ARM and expect my rate to change this year. What should I know?\u003c/h2>\n\u003cp>If you secured a 5/1 ARM in 2021, you should receive a notice from your lender this year before your rate actually changes. If you are worried about your ability to pay your new rate, talk with your lender as soon as you can, said Nikki Beasley, executive director of Richmond Neighborhood Housing Services, which helps prepare families in Alameda and Contra Costa counties for homeownership.\u003c/p>\n\u003cp>You should confirm with your banker or mortgage company the loan’s reset date — when your mortgage will switch from the initial fixed-rate to adjustable rates — along with the rate cap and floor, which limit how much your payments can actually change in one year. If your reset date doesn’t kick in until, say, November, where rates are then will be much more relevant than where they are currently in January.\u003c/p>\n\u003cfigure id=\"attachment_12068597\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-12068597 size-full\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty3.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty3.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty3-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2026/01/HousingGetty3-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">If you are worried about your ability to pay your new rate, talk with your lender as soon as you can. \u003ccite>(Courtney Hale/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“This is not the time to shut down, to have shame, be embarrassed or have fear,” Beasley said. “Be as transparent as you can be with your lender to say what you can do or what you can’t do.”\u003c/p>\n\u003cp>It’s helpful to share with your lender any changes to your job, income or personal spending habits that have come up since you first signed the mortgage, Beasley added. A housing counseling agency approved by the Department of Housing and Urban Development — like Beasley’s Richmond Neighborhood Housing Services — can also help you organize your budget and make a plan to avoid foreclosure. \u003ca href=\"https://answers.hud.gov/housingcounseling/s/?language=en_US\">\u003cstrong>Find your nearest HUD-approved housing counseling agency.\u003c/strong>\u003c/a>\u003c/p>\n\u003cp>One option you can also consider is refinancing — replacing your current loan with a new one, giving you the opportunity to secure a different rate or payment plan. In some cases, a borrower can even switch from an ARM to a fixed-rate mortgage, allowing for more stability in monthly payments.\u003c/p>\n\u003cp>“It’s important for the consumer to be really transparent with their lending specialist on what are the goals that they’re trying to achieve [with refinancing],” Vernon said. “Do they want lower payments? Do they have the need to access equity or cash? Do they want to shorten the term of their loan?”\u003c/p>\n\u003cp>Keep in mind that refinancing usually comes with closing costs — additional fees that you’re charged for switching over to a new loan. And just because you \u003cem>want\u003c/em> a refinance doesn’t necessarily mean the bank \u003cem>will\u003c/em> give you one.\u003c/p>\n\u003cp>“They may not qualify if their credit score is too low, they’re unable to verify income or their income has changed from what they had when they initially qualified for the loan that they have today,” Vernon said, adding that your financial objectives should also align with the new loan you’re seeking.\u003c/p>\n\u003cp>And if you’re in the difficult position of no longer being able to afford the home at all, also communicate that with your lender, recommended Beasley. “The sooner that you figure that out, you can then have a more graceful transition plan,” she said. “Maybe you are looking to sell, maximize the equity or get something smaller.”\u003c/p>\n\u003cp>“Be more proactive, so you are making this transition with grace, versus it being a very traumatic situation because you didn’t deal with the problem soon enough,” she added.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>\u003cb>Here are the morning’s top stories on Monday, January 5, 2026…\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">2025 was a blockbuster year for housing in California. State lawmakers took aim at the state’s landmark environmental law, which they argued was one of the main culprits blocking development for years. In 2025, they approved major reforms. They also passed another law which promises to dramatically change how housing is built near train stations and along busy bus routes. \u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">More vacant home lots are going up for sale in L.A. County burn zones. And many are being \u003ca href=\"https://laist.com/news/housing-homelessness/los-angeles-fires-january-2025-redfin-investor-purchase-empty-lots-sales\">scooped up by investors.\u003c/a>\u003c/span>\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca href=\"https://www.kqed.org/news/12068746/2025-was-a-blockbuster-year-for-housing-laws-what-does-that-mean-for-2026\">\u003cstrong>New Housing Laws Go Into Effect\u003c/strong>\u003c/a>\u003c/h2>\n\u003cp>The California state legislature passed a bevy of blockbuster housing bills last year. Some took aim at the state’s \u003ca href=\"https://www.kqed.org/news/12046558/california-lawmakers-approve-major-overhaul-of-landmark-environmental-law\">landmark environmental law\u003c/a>, which critics argued blocked development for years. Others aim to reshape how housing is built near \u003ca href=\"https://www.kqed.org/news/12059533/newsom-signs-ambitious-bill-to-boost-housing-density-near-public-transit\">major transit stops\u003c/a> or promise to hasten recovery after a disaster.\u003c/p>\n\u003cp>As those laws go into effect this year, some housing experts say they mark a seismic shift in attitudes towards the state’s housing affordability crisis and lawmakers’ appetite for solving it. \u003cstrong>“\u003c/strong>2025 was a landmark year on the substance, but I think in many ways, more importantly, the symbolism of achieving some of these major policy changes is really significant,” said Matt Lewis, a spokesperson for California YIMBY.\u003c/p>\n\u003cp>While many of the new laws focus on creating new housing, tenant rights advocates argue the state needs to do more to keep existing housing stock affordable. Zach Murray, the state campaign coordinator for tenants rights organization Alliance of Californians for Community Empowerment, said they hope to gain ground for renters this year by advancing bills that stalled in committee in 2025. “With new construction, any promise of affordability that comes from getting more units is five to ten years down the line,” he said. “We know that folks are struggling right now.”\u003c/p>\n\u003ch2 class=\"ArticlePage-headline\">\u003ca href=\"https://laist.com/news/housing-homelessness/los-angeles-fires-january-2025-redfin-investor-purchase-empty-lots-sales\">\u003cstrong>Investors Are Buying Close To Half The Empty Lots In LA Burn Zones \u003c/strong>\u003c/a>\u003c/h2>\n\u003cp>Shortly after the Eaton Fire destroyed thousands of homes in and around Altadena, signs sprung up across the community announcing “Altadena is not for sale.” Now, nearly one year later, hundreds of Altadena families have concluded that rebuilding isn’t in their budget. In nearly half of recent deals for empty lots, homeowners are \u003ca class=\"Link\" href=\"https://laist.com/news/climate-environment/corporations-buying-altadena-lots\" data-cms-ai=\"0\">\u003cu>selling to investors\u003c/u>\u003c/a>.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>That’s the conclusion researchers with the online real estate listings platform Redfin reached in \u003ca class=\"Link\" href=\"https://www.redfin.com/news/los-angeles-wildfires-anniversary/\" target=\"_blank\" rel=\"noopener\" data-cms-ai=\"0\">a new report\u003c/a>.\u003c/p>\n\u003cp>Analyzing transactions in L.A. County burn zones during July, August and September, they found that about 40% of Pacific Palisades vacant lots went to corporate buyers. In both Altadena and Malibu, about 44% of such vacant lot sales went to investors.\u003c/p>\n\u003cp>To conduct the analysis, Redfin researchers looked at sales in the zip codes 90272 for the Pacific Palisades, 91001 for Altadena and 90265 for Malibu. They categorized buyers as investors if their names contained words or abbreviations such as LLC, Inc, Corp or Homes. There was a marked increase of vacant lots sales in all communities, according to the report. In the Pacific Palisades, 119 lots sold in July, August and September. Altadena saw 61 lot sales. In 2024, before the fires, neither Pacific Palisades nor Altadena had any lots selling in those months. Malibu saw some vacant lots sell in that time frame in 2024. But before the fires, only about 21% of those sales were to investors.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Zaire Calvin lost his family’s home in Altadena and had a sister who died in the fire. He said the trend shows “disaster capitalism” poised to change the diverse foothill community. “If rebuilding becomes a race for capital instead of a return home for families, then disaster has been basically repackaged as opportunity for those with the most resources,” Calvin said. “It’s like they’re preying on us while we’re still praying for hope and help.”\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cb>Here are the morning’s top stories on Monday, January 5, 2026…\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">2025 was a blockbuster year for housing in California. State lawmakers took aim at the state’s landmark environmental law, which they argued was one of the main culprits blocking development for years. In 2025, they approved major reforms. They also passed another law which promises to dramatically change how housing is built near train stations and along busy bus routes. \u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">More vacant home lots are going up for sale in L.A. County burn zones. And many are being \u003ca href=\"https://laist.com/news/housing-homelessness/los-angeles-fires-january-2025-redfin-investor-purchase-empty-lots-sales\">scooped up by investors.\u003c/a>\u003c/span>\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca href=\"https://www.kqed.org/news/12068746/2025-was-a-blockbuster-year-for-housing-laws-what-does-that-mean-for-2026\">\u003cstrong>New Housing Laws Go Into Effect\u003c/strong>\u003c/a>\u003c/h2>\n\u003cp>The California state legislature passed a bevy of blockbuster housing bills last year. Some took aim at the state’s \u003ca href=\"https://www.kqed.org/news/12046558/california-lawmakers-approve-major-overhaul-of-landmark-environmental-law\">landmark environmental law\u003c/a>, which critics argued blocked development for years. Others aim to reshape how housing is built near \u003ca href=\"https://www.kqed.org/news/12059533/newsom-signs-ambitious-bill-to-boost-housing-density-near-public-transit\">major transit stops\u003c/a> or promise to hasten recovery after a disaster.\u003c/p>\n\u003cp>As those laws go into effect this year, some housing experts say they mark a seismic shift in attitudes towards the state’s housing affordability crisis and lawmakers’ appetite for solving it. \u003cstrong>“\u003c/strong>2025 was a landmark year on the substance, but I think in many ways, more importantly, the symbolism of achieving some of these major policy changes is really significant,” said Matt Lewis, a spokesperson for California YIMBY.\u003c/p>\n\u003cp>While many of the new laws focus on creating new housing, tenant rights advocates argue the state needs to do more to keep existing housing stock affordable. Zach Murray, the state campaign coordinator for tenants rights organization Alliance of Californians for Community Empowerment, said they hope to gain ground for renters this year by advancing bills that stalled in committee in 2025. “With new construction, any promise of affordability that comes from getting more units is five to ten years down the line,” he said. “We know that folks are struggling right now.”\u003c/p>\n\u003ch2 class=\"ArticlePage-headline\">\u003ca href=\"https://laist.com/news/housing-homelessness/los-angeles-fires-january-2025-redfin-investor-purchase-empty-lots-sales\">\u003cstrong>Investors Are Buying Close To Half The Empty Lots In LA Burn Zones \u003c/strong>\u003c/a>\u003c/h2>\n\u003cp>Shortly after the Eaton Fire destroyed thousands of homes in and around Altadena, signs sprung up across the community announcing “Altadena is not for sale.” Now, nearly one year later, hundreds of Altadena families have concluded that rebuilding isn’t in their budget. In nearly half of recent deals for empty lots, homeowners are \u003ca class=\"Link\" href=\"https://laist.com/news/climate-environment/corporations-buying-altadena-lots\" data-cms-ai=\"0\">\u003cu>selling to investors\u003c/u>\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>That’s the conclusion researchers with the online real estate listings platform Redfin reached in \u003ca class=\"Link\" href=\"https://www.redfin.com/news/los-angeles-wildfires-anniversary/\" target=\"_blank\" rel=\"noopener\" data-cms-ai=\"0\">a new report\u003c/a>.\u003c/p>\n\u003cp>Analyzing transactions in L.A. County burn zones during July, August and September, they found that about 40% of Pacific Palisades vacant lots went to corporate buyers. In both Altadena and Malibu, about 44% of such vacant lot sales went to investors.\u003c/p>\n\u003cp>To conduct the analysis, Redfin researchers looked at sales in the zip codes 90272 for the Pacific Palisades, 91001 for Altadena and 90265 for Malibu. They categorized buyers as investors if their names contained words or abbreviations such as LLC, Inc, Corp or Homes. There was a marked increase of vacant lots sales in all communities, according to the report. In the Pacific Palisades, 119 lots sold in July, August and September. Altadena saw 61 lot sales. In 2024, before the fires, neither Pacific Palisades nor Altadena had any lots selling in those months. Malibu saw some vacant lots sell in that time frame in 2024. But before the fires, only about 21% of those sales were to investors.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Zaire Calvin lost his family’s home in Altadena and had a sister who died in the fire. He said the trend shows “disaster capitalism” poised to change the diverse foothill community. “If rebuilding becomes a race for capital instead of a return home for families, then disaster has been basically repackaged as opportunity for those with the most resources,” Calvin said. “It’s like they’re preying on us while we’re still praying for hope and help.”\u003c/p>\n\n\u003c/div>\u003c/p>",
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"slug": "youth-homelessness-is-declining-in-california-funding-cuts-threaten-progress",
"title": "Youth Homelessness Is Declining in California. Funding Cuts Threaten Progress",
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"content": "\u003cp>Tucked between the homes of an \u003ca href=\"https://www.kqed.org/news/tag/east-palo-alto\">East Palo Alto\u003c/a> neighborhood, there’s a small yellow building.\u003c/p>\n\u003cp>Inside, on a weekday in late November, young people — ranging in age from adolescence to early adulthood — were busy at work. They helped each other with homework, met with therapists, and hosted discussions about leadership and political education.\u003c/p>\n\u003cp>Although Youth United for Community Action (YUCA) has all the hallmarks of a typical community center, the nonprofit’s mission is more specific: to serve homeless youth.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Out back, youth mentor Lavain Henderson, 22, showed off a vegetable garden and chicken den, where members can harvest produce and gather freshly-laid eggs.\u003c/p>\n\u003cp>Henderson became homeless when he was around 18 and, over a five-year span, bounced between at least four different homeless organizations throughout California. But he struggled to find community. YUCA was different, he said, because it was run by and for young people.\u003c/p>\n\u003cp>“There weren’t spaces where I could learn the skills that I need to survive,” he said.\u003c/p>\n\u003cfigure id=\"attachment_12067031\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12067031\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/20251211_YOUTHHOMELESSNESS_DECEMBER_GH-8-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/20251211_YOUTHHOMELESSNESS_DECEMBER_GH-8-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/20251211_YOUTHHOMELESSNESS_DECEMBER_GH-8-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/20251211_YOUTHHOMELESSNESS_DECEMBER_GH-8-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Lavain Henderson, a youth mentor with Youth United for Community Action (YUCA), holds a chicken raised and cared for at the organization’s East Palo Alto site on Dec. 11, 2025. YUCA incorporates urban agriculture into its youth programming. \u003ccite>(Gustavo Hernandez/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Organizations like YUCA are credited with contributing to a recent drop in youth homelessness in California — a 24% reduction between 2019 and 2024 — according to a \u003ca href=\"https://jbay.org/resources/investing-in-impact-2025/\">November report by nonprofit John Burton Advocates for Youth\u003c/a>. The data is a silver lining amid rising homelessness nationwide, but advocates warn that recent state and federal funding changes could threaten that progress.\u003c/p>\n\u003cp>Simone Tureck Lee, one of the authors of the report, said that while the data used in the report is widely considered an undercount, it remains useful for tracking trends over time. She largely attributed the decline in youth homelessness to California’s investments in specifically addressing young people’s needs.\u003c/p>\n\u003cp>In fiscal year 2018, California began reserving 5% of homelessness funding for youth — what it calls the “youth set aside.” And by fiscal year 2021, the state had increased that set-aside to 10%.\u003c/p>\n\u003cp>During the same time period, it also increased the total amount of funding dedicated to addressing homelessness, with about $5 billion going into its Homeless Housing, Assistance and Prevention Program (HHAP) since fiscal year 2019, \u003ca href=\"https://lao.ca.gov/Publications/Report/5082\">according to the state’s Legislative Analyst’s Office\u003c/a>. With the funding, youth homelessness organizations can support young adults in a way organizations that cater to adults cannot, Tureck Lee said.[aside postID=news_12066469 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/08/250820-HOUSINGFIRST_02179_TV-KQED.jpg']“We’re seeing something different than what’s happening nationally and what’s happening among the general population in California,” Tureck Lee said. “We really attribute those changes to these major state investments that came after years of lack of investment.”\u003c/p>\n\u003cp>According to Henderson, the other shelters and community centers he once relied on rarely provided him with the resources he needed.\u003c/p>\n\u003cp>That changed when he found YUCA. Unlike other programs, Henderson said, YUCA was better able to meet his needs.\u003c/p>\n\u003cp>“I don’t think I was able to care for myself like how I’m supposed to,” he said. “There was a lot of things falling through the cracks. I’m still working on myself as a person, but I’ve definitely come a long way.”\u003c/p>\n\u003cp>For Henderson, those needs weren’t just physical, like food and shelter; they were emotional, as well. YUCA gave him a sense of community that he hadn’t experienced with other organizations.\u003c/p>\n\u003cp>“I didn’t believe that I deserved to have community,” he said, adding that YUCA “definitely opened my eyes to how important having a community is.”\u003c/p>\n\u003cp>But in November, the U.S. Department of Housing and Urban Development (HUD) issued \u003ca href=\"https://www.kqed.org/news/12064324/its-devastating-more-than-100m-for-housing-homeless-at-risk-under-new-hud-policy\">new guidelines for homelessness funding\u003c/a>. The changes include tighter restrictions on which organizations qualify for support and how funds can be used, a change that Tureck Lee said could impact youth homelessness organizations in California.\u003c/p>\n\u003cfigure id=\"attachment_11990403\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11990403 size-full\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut.jpg\" alt=\"A pink suitcase, shoes and a unicorn toy lie next to and on a blue bed.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">A child’s belongings sit next to a shelter bed set up in an auditorium at Buena Vista Horace Mann Community School on June 10. The school operates as one of San Francisco’s largest shelters for families experiencing homelessness. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>And in the current state budget, lawmakers set aside \u003ca href=\"https://www.kqed.org/news/12045673/newsom-slashes-funding-for-homelessness-in-state-budget-leaving-cities-scrambling\">no new funding for HHAP\u003c/a>, though they earmarked $500 million for the program in fiscal year 2026.\u003c/p>\n\u003cp>Tureck Lee said she expects the loss of HHAP funds this year to have a greater impact on youth-specific organizations than the loss of federal funding in California. But she’s still concerned about what the federal changes might mean for counties like Alameda or Los Angeles, which she said will now have to compete for federal funding, rather than being able to take advantage of the youth set-aside in HHAP.\u003c/p>\n\u003cp>The federal government has said it will penalize organizations that provide benefits to people who are undocumented or that recognize transgender people, for instance, Tureck Lee said.\u003c/p>\n\u003cp>“All of these values that the Trump administration is very attached to are inserted into the criteria for scoring applications from all these communities,” she said.[aside postID=news_12064324 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/11/240522-ERPressure-09-BL_qed.jpg']Katie Barnett, a community organizer with the policy and advocacy organization, All Home, said the changes pose a serious risk to the progress made in reducing youth homelessness, as well as to the entire homeless population across California.\u003c/p>\n\u003cp>“This is going to have catastrophic ripple effects for every single community in the country, absolutely here in California, where we have not only the Bay Area, but also the Los Angeles area, which has some of the highest rates of specifically chronic and unsheltered homelessness nationwide,” she said.\u003c/p>\n\u003cp>Coco Auerswald, a UC Berkeley professor and homelessness researcher, said she expects the impact of the changes to be disastrous.\u003c/p>\n\u003cp>According to Auerswald, the real key to addressing overall homelessness is addressing youth homelessness, because homelessness among adults often begins in their youth.\u003c/p>\n\u003cp>“If we had been able to change their trajectory,” she said, “the numbers of people experiencing homelessness would be dramatically different.”\u003c/p>\n\u003cp>But, she said, the federal government hasn’t done enough to prioritize youth, comparing its approach to using a mop to clean a flooded floor, rather than turning off the faucet.\u003c/p>\n\u003cp>“We can’t keep up because the inflow of water is greater than our ability to remove water,” she said. “We have to turn off the faucet.”\u003c/p>\n\u003cp>In late November, Gov. Gavin Newsom’s administration sued the federal government over the funding changes, and in December, HUD subsequently rescinded the guidelines. But the agency has yet to issue new ones — leaving nonprofits like YUCA in limbo. In the meantime, Newsom announced $56 million in state grants specifically to \u003ca href=\"https://www.gov.ca.gov/2025/11/25/during-national-youth-homelessness-awareness-month-governor-newsom-provides-local-funding-to-help-strengthen-housing-access-for-foster-youth/\">address youth homelessness\u003c/a>.\u003c/p>\n\u003cp>For Henderson, the stakes are personal. YUCA helped him develop the skills he needed as a young adult.\u003c/p>\n\u003cp>“I feel like that’s a lot of the work that we do,” he said. “Trying to get the youth to grow as people, to be future leaders. At the end of the day, they’re the future of everything.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Tucked between the homes of an \u003ca href=\"https://www.kqed.org/news/tag/east-palo-alto\">East Palo Alto\u003c/a> neighborhood, there’s a small yellow building.\u003c/p>\n\u003cp>Inside, on a weekday in late November, young people — ranging in age from adolescence to early adulthood — were busy at work. They helped each other with homework, met with therapists, and hosted discussions about leadership and political education.\u003c/p>\n\u003cp>Although Youth United for Community Action (YUCA) has all the hallmarks of a typical community center, the nonprofit’s mission is more specific: to serve homeless youth.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Out back, youth mentor Lavain Henderson, 22, showed off a vegetable garden and chicken den, where members can harvest produce and gather freshly-laid eggs.\u003c/p>\n\u003cp>Henderson became homeless when he was around 18 and, over a five-year span, bounced between at least four different homeless organizations throughout California. But he struggled to find community. YUCA was different, he said, because it was run by and for young people.\u003c/p>\n\u003cp>“There weren’t spaces where I could learn the skills that I need to survive,” he said.\u003c/p>\n\u003cfigure id=\"attachment_12067031\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12067031\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/20251211_YOUTHHOMELESSNESS_DECEMBER_GH-8-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/20251211_YOUTHHOMELESSNESS_DECEMBER_GH-8-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/20251211_YOUTHHOMELESSNESS_DECEMBER_GH-8-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/20251211_YOUTHHOMELESSNESS_DECEMBER_GH-8-KQED-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Lavain Henderson, a youth mentor with Youth United for Community Action (YUCA), holds a chicken raised and cared for at the organization’s East Palo Alto site on Dec. 11, 2025. YUCA incorporates urban agriculture into its youth programming. \u003ccite>(Gustavo Hernandez/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Organizations like YUCA are credited with contributing to a recent drop in youth homelessness in California — a 24% reduction between 2019 and 2024 — according to a \u003ca href=\"https://jbay.org/resources/investing-in-impact-2025/\">November report by nonprofit John Burton Advocates for Youth\u003c/a>. The data is a silver lining amid rising homelessness nationwide, but advocates warn that recent state and federal funding changes could threaten that progress.\u003c/p>\n\u003cp>Simone Tureck Lee, one of the authors of the report, said that while the data used in the report is widely considered an undercount, it remains useful for tracking trends over time. She largely attributed the decline in youth homelessness to California’s investments in specifically addressing young people’s needs.\u003c/p>\n\u003cp>In fiscal year 2018, California began reserving 5% of homelessness funding for youth — what it calls the “youth set aside.” And by fiscal year 2021, the state had increased that set-aside to 10%.\u003c/p>\n\u003cp>During the same time period, it also increased the total amount of funding dedicated to addressing homelessness, with about $5 billion going into its Homeless Housing, Assistance and Prevention Program (HHAP) since fiscal year 2019, \u003ca href=\"https://lao.ca.gov/Publications/Report/5082\">according to the state’s Legislative Analyst’s Office\u003c/a>. With the funding, youth homelessness organizations can support young adults in a way organizations that cater to adults cannot, Tureck Lee said.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>“We’re seeing something different than what’s happening nationally and what’s happening among the general population in California,” Tureck Lee said. “We really attribute those changes to these major state investments that came after years of lack of investment.”\u003c/p>\n\u003cp>According to Henderson, the other shelters and community centers he once relied on rarely provided him with the resources he needed.\u003c/p>\n\u003cp>That changed when he found YUCA. Unlike other programs, Henderson said, YUCA was better able to meet his needs.\u003c/p>\n\u003cp>“I don’t think I was able to care for myself like how I’m supposed to,” he said. “There was a lot of things falling through the cracks. I’m still working on myself as a person, but I’ve definitely come a long way.”\u003c/p>\n\u003cp>For Henderson, those needs weren’t just physical, like food and shelter; they were emotional, as well. YUCA gave him a sense of community that he hadn’t experienced with other organizations.\u003c/p>\n\u003cp>“I didn’t believe that I deserved to have community,” he said, adding that YUCA “definitely opened my eyes to how important having a community is.”\u003c/p>\n\u003cp>But in November, the U.S. Department of Housing and Urban Development (HUD) issued \u003ca href=\"https://www.kqed.org/news/12064324/its-devastating-more-than-100m-for-housing-homeless-at-risk-under-new-hud-policy\">new guidelines for homelessness funding\u003c/a>. The changes include tighter restrictions on which organizations qualify for support and how funds can be used, a change that Tureck Lee said could impact youth homelessness organizations in California.\u003c/p>\n\u003cfigure id=\"attachment_11990403\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11990403 size-full\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut.jpg\" alt=\"A pink suitcase, shoes and a unicorn toy lie next to and on a blue bed.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/06/240610-HomelessFamilies-23-BL_qut-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">A child’s belongings sit next to a shelter bed set up in an auditorium at Buena Vista Horace Mann Community School on June 10. The school operates as one of San Francisco’s largest shelters for families experiencing homelessness. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>And in the current state budget, lawmakers set aside \u003ca href=\"https://www.kqed.org/news/12045673/newsom-slashes-funding-for-homelessness-in-state-budget-leaving-cities-scrambling\">no new funding for HHAP\u003c/a>, though they earmarked $500 million for the program in fiscal year 2026.\u003c/p>\n\u003cp>Tureck Lee said she expects the loss of HHAP funds this year to have a greater impact on youth-specific organizations than the loss of federal funding in California. But she’s still concerned about what the federal changes might mean for counties like Alameda or Los Angeles, which she said will now have to compete for federal funding, rather than being able to take advantage of the youth set-aside in HHAP.\u003c/p>\n\u003cp>The federal government has said it will penalize organizations that provide benefits to people who are undocumented or that recognize transgender people, for instance, Tureck Lee said.\u003c/p>\n\u003cp>“All of these values that the Trump administration is very attached to are inserted into the criteria for scoring applications from all these communities,” she said.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Katie Barnett, a community organizer with the policy and advocacy organization, All Home, said the changes pose a serious risk to the progress made in reducing youth homelessness, as well as to the entire homeless population across California.\u003c/p>\n\u003cp>“This is going to have catastrophic ripple effects for every single community in the country, absolutely here in California, where we have not only the Bay Area, but also the Los Angeles area, which has some of the highest rates of specifically chronic and unsheltered homelessness nationwide,” she said.\u003c/p>\n\u003cp>Coco Auerswald, a UC Berkeley professor and homelessness researcher, said she expects the impact of the changes to be disastrous.\u003c/p>\n\u003cp>According to Auerswald, the real key to addressing overall homelessness is addressing youth homelessness, because homelessness among adults often begins in their youth.\u003c/p>\n\u003cp>“If we had been able to change their trajectory,” she said, “the numbers of people experiencing homelessness would be dramatically different.”\u003c/p>\n\u003cp>But, she said, the federal government hasn’t done enough to prioritize youth, comparing its approach to using a mop to clean a flooded floor, rather than turning off the faucet.\u003c/p>\n\u003cp>“We can’t keep up because the inflow of water is greater than our ability to remove water,” she said. “We have to turn off the faucet.”\u003c/p>\n\u003cp>In late November, Gov. Gavin Newsom’s administration sued the federal government over the funding changes, and in December, HUD subsequently rescinded the guidelines. But the agency has yet to issue new ones — leaving nonprofits like YUCA in limbo. In the meantime, Newsom announced $56 million in state grants specifically to \u003ca href=\"https://www.gov.ca.gov/2025/11/25/during-national-youth-homelessness-awareness-month-governor-newsom-provides-local-funding-to-help-strengthen-housing-access-for-foster-youth/\">address youth homelessness\u003c/a>.\u003c/p>\n\u003cp>For Henderson, the stakes are personal. YUCA helped him develop the skills he needed as a young adult.\u003c/p>\n\u003cp>“I feel like that’s a lot of the work that we do,” he said. “Trying to get the youth to grow as people, to be future leaders. At the end of the day, they’re the future of everything.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>\u003cspan style=\"font-weight: 400\">If you want solar power in your home, you usually need to be a homeowner with a good roof and a decent amount of cash to pay up front.\u003c/span>\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">But some Bay Area residents are trying out plug-in solar, which can hang from an apartment balcony, out a window, or be tented in the backyard.\u003c/span>\u003c/p>\n\u003cp>\u003ci>This episode originally aired on \u003c/i>\u003ca href=\"https://www.kqed.org/news/12051880/solar-on-your-apartment-balcony-these-folks-want-to-make-it-happen\">\u003ci>August 13, 2025.\u003c/i>\u003c/a>\u003c/p>\n\u003cp>\u003cem>\u003ci>Some members of the KQED podcast team are represented by The Screen Actors Guild, American Federation of Television and Radio Artists. San Francisco Northern California Local.\u003c/i>\u003c/em>\u003c/p>\n\u003cp>\u003cb>Links:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003ca href=\"https://www.kqed.org/science/1997918/forget-rooftops-bay-area-residents-are-plugging-solar-into-the-wall\">\u003cspan style=\"font-weight: 400\">Forget Rooftops — Bay Area Residents Are Plugging Solar Into the Wall\u003c/span>\u003c/a>\u003c/li>\n\u003c/ul>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" frameborder=\"0\" height=\"200\" scrolling=\"no\" src=\"https://playlist.megaphone.fm?e=KQINC6865090874\" width=\"100%\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cspan style=\"font-weight: 400\">If you want solar power in your home, you usually need to be a homeowner with a good roof and a decent amount of cash to pay up front.\u003c/span>\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">But some Bay Area residents are trying out plug-in solar, which can hang from an apartment balcony, out a window, or be tented in the backyard.\u003c/span>\u003c/p>\n\u003cp>\u003ci>This episode originally aired on \u003c/i>\u003ca href=\"https://www.kqed.org/news/12051880/solar-on-your-apartment-balcony-these-folks-want-to-make-it-happen\">\u003ci>August 13, 2025.\u003c/i>\u003c/a>\u003c/p>\n\u003cp>\u003cem>\u003ci>Some members of the KQED podcast team are represented by The Screen Actors Guild, American Federation of Television and Radio Artists. San Francisco Northern California Local.\u003c/i>\u003c/em>\u003c/p>\n\u003cp>\u003cb>Links:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003ca href=\"https://www.kqed.org/science/1997918/forget-rooftops-bay-area-residents-are-plugging-solar-into-the-wall\">\u003cspan style=\"font-weight: 400\">Forget Rooftops — Bay Area Residents Are Plugging Solar Into the Wall\u003c/span>\u003c/a>\u003c/li>\n\u003c/ul>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" frameborder=\"0\" height=\"200\" scrolling=\"no\" src=\"https://playlist.megaphone.fm?e=KQINC6865090874\" width=\"100%\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>As \u003ca href=\"https://www.kqed.org/news/tag/san-francisco\">San Francisco\u003c/a> works to add tens of thousands of housing units by 2031, efforts to preserve existing affordable housing can now be included in the count and housing nonprofits are taking note.\u003c/p>\n\u003cp>A new state law, AB 670, allows cities like San Francisco to include preserved and converted affordable housing units to meet up to 25% of their overall goal of adding 46,000 affordable units in the next six years. This week, the San Francisco Community Land Trust, a nonprofit housing organization that works to acquire properties to rehabilitate, remove them from the speculative market, and provide residents with long-term affordable housing, announced its first multi-unit building purchase since the state law was signed in October. Several residents have called the complex home for decades and are relieved they won’t have to leave anytime soon.\u003c/p>\n\u003cp>“This means that we can stay, and it just makes it seem more stable and less stressful,” said Alana Herron, who has lived in a two-bedroom apartment at 3235 16th Street for nearly 30 years with her husband. She is a teacher and raised her two daughters there, and said having rent control for many years helped her stay rooted in the community.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>But when the property recently went up for sale, Herron and many of the building’s other long-term residents — several of which are musicians, artists, and even a co-writer and producer of the recent Compton’s Cafeteria Riot play — worried they might lose the affordable rent that’s kept them stable for many years if the building were to be sold off to a market-rate developer.\u003c/p>\n\u003cp>“When the building went up for sale, I didn’t know what would happen,” she said. “Now, my kids know we’ll still have somewhere affordable, nobody’s gonna have to bail out mom and dad.”\u003c/p>\n\u003cp>Instead, the property was sold to the San Francisco Community Land Trust.\u003c/p>\n\u003cfigure id=\"attachment_12067947\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12067947\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251218-SF-LAND-TRUST-MD-01-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1334\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251218-SF-LAND-TRUST-MD-01-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251218-SF-LAND-TRUST-MD-01-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251218-SF-LAND-TRUST-MD-01-KQED-1536x1025.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Alana Herron and Robert Geller’s building (center), which was recently purchased by SF Community Land Trust at 16th and Guerrero, on Dec. 18, 2025. \u003ccite>(Martin do Nascimento/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Our residents are at the heart of everything we do, and this acquisition is about making sure they can stay rooted in the neighborhoods they’ve shaped for decades,” said Kyle Smeallie, SFCLT policy and communications director. “Preserving affordable housing is about keeping what makes San Francisco special: the people, the culture, and the communities that give this city its soul.”\u003c/p>\n\u003cp>San Francisco is currently on the hook to make way for 82,062 additional housing units for different income levels by 2031. To get there, the city has been focused on cutting red tape to make development easier and quicker.\u003c/p>\n\u003cp>The city also recently passed a rezoning plan that now allows for taller and more dense building construction, particularly in residential neighborhoods like the Sunset and Richmond, where previous zoning laws restricted height limits.[aside postID=news_12066539 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251113-SFHOMECOMINGPROJECT-19-BL-KQED.jpg']The city’s plan aims to create capacity for at least 36,000 units, just a portion of the overall total, since the city has already approved roughly 43,000 units that have yet to be developed. But critics of the plan have pointed out that there are few mechanisms in the plan itself to ensure that low-income housing is prioritized.\u003c/p>\n\u003cp>Preserving rent-controlled units was one of the most controversial elements of the rezoning plan. In order to make way for new and larger housing, developers can demolish existing properties. Supervisor Myrna Melgar proposed an amendment that was adopted into the plan to remove buildings with three or more rent-controlled units from demolition; however, efforts from Supervisor Connie Chan to remove all of the city’s rent-controlled units from the plan did not pass.\u003c/p>\n\u003cp>While the demolition of rent-controlled buildings in the city is rare, it is still possible under the new plan, if the Planning Commission approves such proposals.\u003c/p>\n\u003cp>Supporters of the Community Land Trust effort say their approach offers an additional model for the city to preserve affordable housing by keeping residents in the homes they can afford.\u003c/p>\n\u003cp>“Just as we’re trying to \u003cem>build\u003c/em> more affordable housing, we’re \u003cem>losing\u003c/em> affordable housing units either through demolitions or repositioning of properties being sold and rehabbed and becoming a lot more expensive to new residents,” said Aboubacar Ndiaye, executive director of the Northern California Land Trust, a land trust formed in 1973 that owns affordable properties throughout the Bay Area. “[The land trust model] allows us to create an incentive for cities to consider equity rehab as part of an all-of-the-above strategy to address the affordable housing need.”\u003c/p>\n\u003cfigure id=\"attachment_12058554\" class=\"wp-caption aligncenter\" style=\"max-width: 1999px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12058554\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/003_KQED_SanFrancisco_RentStrike_03312020_qed-1.jpg\" alt=\"\" width=\"1999\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/003_KQED_SanFrancisco_RentStrike_03312020_qed-1.jpg 1999w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/003_KQED_SanFrancisco_RentStrike_03312020_qed-1-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/003_KQED_SanFrancisco_RentStrike_03312020_qed-1-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\">\u003cfigcaption class=\"wp-caption-text\">A “For Rent” sign on a house in the Mission District of San Francisco on March 31, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Assemblywoman Sharon Quirk-Silva (D-La Palma) authored AB 670 with the intention of growing affordable housing stock across the state by encouraging preservation of existing homes. The idea is to allow jurisdictions to make units that are up for sale permanently affordable by giving residents and land trusts the first opportunity to buy, rather than sell to market-rate developers and lose rent-controlled housing stock.\u003c/p>\n\u003cp>The model has seen an uptick in interest across the Bay Area, state and country as housing needs grow more pressing, and places like New York City just recently passed their own version, the Community Opportunity to Purchase Act, giving tenants the first chance to purchase rental buildings if they go up for sale.\u003c/p>\n\u003cp>“While every project is different, acquisitions by Community Land Trusts, such as those happening in San Francisco, reflect the type of preservation-focused approach AB 670 is designed to support, helping cities meet housing goals while keeping existing residents in their communities,” Quirk-Silva said in a statement.[aside postID=news_12067581 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/RefrigeratorsGetty.jpg']San Francisco’s Small Sites Program launched in 2014 and provides loans for acquisition and preservation projects like the recent project in the Mission District at 16th and Guerrero streets.\u003c/p>\n\u003cp>The program, overseen by the Mayor’s Office of Housing and Community Development, focuses on smaller, rent-controlled buildings and helps convert the property into permanently affordable housing to combat gentrification.\u003c/p>\n\u003cp>“San Francisco’s culture is rooted in the people who have built their lives here over decades. When long-term residents, artists and families are displaced, our neighborhoods lose the social and cultural fabric that makes them unique,” said Supervisor Rafael Mandelman, who represents the neighborhood for the building at 16th and Guerrero. “SFCLT’s acquisition of this building is the kind of proactive, community-centered housing strategy we need to stabilize residents, prevent displacement and ensure that the people who create San Francisco’s cultural legacy can remain in the neighborhoods that shaped their work.”\u003c/p>\n\u003cp>As part of the new ownership with the land trust, residents will see a slight increase in rent over several years, but that’s projected to be far less than if the building were sold and converted to market-rate housing.\u003c/p>\n\u003cp>“There will be a modest rent increase, but it’s still going to be extremely affordable for us,” said Robert Geller, Herron’s husband.\u003c/p>\n\u003cp>He said having rent control allowed his family to keep their beloved Victorian apartment as prices around them skyrocketed. A musician and former city worker, he’s relieved to have a place where he can continue to grow older.\u003c/p>\n\u003cp>“San Francisco has an aging population,” he said. “It means a lot that we can stay in our building and not have to find a new place to live.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>As \u003ca href=\"https://www.kqed.org/news/tag/san-francisco\">San Francisco\u003c/a> works to add tens of thousands of housing units by 2031, efforts to preserve existing affordable housing can now be included in the count and housing nonprofits are taking note.\u003c/p>\n\u003cp>A new state law, AB 670, allows cities like San Francisco to include preserved and converted affordable housing units to meet up to 25% of their overall goal of adding 46,000 affordable units in the next six years. This week, the San Francisco Community Land Trust, a nonprofit housing organization that works to acquire properties to rehabilitate, remove them from the speculative market, and provide residents with long-term affordable housing, announced its first multi-unit building purchase since the state law was signed in October. Several residents have called the complex home for decades and are relieved they won’t have to leave anytime soon.\u003c/p>\n\u003cp>“This means that we can stay, and it just makes it seem more stable and less stressful,” said Alana Herron, who has lived in a two-bedroom apartment at 3235 16th Street for nearly 30 years with her husband. She is a teacher and raised her two daughters there, and said having rent control for many years helped her stay rooted in the community.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>But when the property recently went up for sale, Herron and many of the building’s other long-term residents — several of which are musicians, artists, and even a co-writer and producer of the recent Compton’s Cafeteria Riot play — worried they might lose the affordable rent that’s kept them stable for many years if the building were to be sold off to a market-rate developer.\u003c/p>\n\u003cp>“When the building went up for sale, I didn’t know what would happen,” she said. “Now, my kids know we’ll still have somewhere affordable, nobody’s gonna have to bail out mom and dad.”\u003c/p>\n\u003cp>Instead, the property was sold to the San Francisco Community Land Trust.\u003c/p>\n\u003cfigure id=\"attachment_12067947\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12067947\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251218-SF-LAND-TRUST-MD-01-KQED.jpg\" alt=\"\" width=\"2000\" height=\"1334\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251218-SF-LAND-TRUST-MD-01-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251218-SF-LAND-TRUST-MD-01-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/12/251218-SF-LAND-TRUST-MD-01-KQED-1536x1025.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003cfigcaption class=\"wp-caption-text\">Alana Herron and Robert Geller’s building (center), which was recently purchased by SF Community Land Trust at 16th and Guerrero, on Dec. 18, 2025. \u003ccite>(Martin do Nascimento/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Our residents are at the heart of everything we do, and this acquisition is about making sure they can stay rooted in the neighborhoods they’ve shaped for decades,” said Kyle Smeallie, SFCLT policy and communications director. “Preserving affordable housing is about keeping what makes San Francisco special: the people, the culture, and the communities that give this city its soul.”\u003c/p>\n\u003cp>San Francisco is currently on the hook to make way for 82,062 additional housing units for different income levels by 2031. To get there, the city has been focused on cutting red tape to make development easier and quicker.\u003c/p>\n\u003cp>The city also recently passed a rezoning plan that now allows for taller and more dense building construction, particularly in residential neighborhoods like the Sunset and Richmond, where previous zoning laws restricted height limits.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>The city’s plan aims to create capacity for at least 36,000 units, just a portion of the overall total, since the city has already approved roughly 43,000 units that have yet to be developed. But critics of the plan have pointed out that there are few mechanisms in the plan itself to ensure that low-income housing is prioritized.\u003c/p>\n\u003cp>Preserving rent-controlled units was one of the most controversial elements of the rezoning plan. In order to make way for new and larger housing, developers can demolish existing properties. Supervisor Myrna Melgar proposed an amendment that was adopted into the plan to remove buildings with three or more rent-controlled units from demolition; however, efforts from Supervisor Connie Chan to remove all of the city’s rent-controlled units from the plan did not pass.\u003c/p>\n\u003cp>While the demolition of rent-controlled buildings in the city is rare, it is still possible under the new plan, if the Planning Commission approves such proposals.\u003c/p>\n\u003cp>Supporters of the Community Land Trust effort say their approach offers an additional model for the city to preserve affordable housing by keeping residents in the homes they can afford.\u003c/p>\n\u003cp>“Just as we’re trying to \u003cem>build\u003c/em> more affordable housing, we’re \u003cem>losing\u003c/em> affordable housing units either through demolitions or repositioning of properties being sold and rehabbed and becoming a lot more expensive to new residents,” said Aboubacar Ndiaye, executive director of the Northern California Land Trust, a land trust formed in 1973 that owns affordable properties throughout the Bay Area. “[The land trust model] allows us to create an incentive for cities to consider equity rehab as part of an all-of-the-above strategy to address the affordable housing need.”\u003c/p>\n\u003cfigure id=\"attachment_12058554\" class=\"wp-caption aligncenter\" style=\"max-width: 1999px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12058554\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/003_KQED_SanFrancisco_RentStrike_03312020_qed-1.jpg\" alt=\"\" width=\"1999\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/003_KQED_SanFrancisco_RentStrike_03312020_qed-1.jpg 1999w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/003_KQED_SanFrancisco_RentStrike_03312020_qed-1-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2025/10/003_KQED_SanFrancisco_RentStrike_03312020_qed-1-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\">\u003cfigcaption class=\"wp-caption-text\">A “For Rent” sign on a house in the Mission District of San Francisco on March 31, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Assemblywoman Sharon Quirk-Silva (D-La Palma) authored AB 670 with the intention of growing affordable housing stock across the state by encouraging preservation of existing homes. The idea is to allow jurisdictions to make units that are up for sale permanently affordable by giving residents and land trusts the first opportunity to buy, rather than sell to market-rate developers and lose rent-controlled housing stock.\u003c/p>\n\u003cp>The model has seen an uptick in interest across the Bay Area, state and country as housing needs grow more pressing, and places like New York City just recently passed their own version, the Community Opportunity to Purchase Act, giving tenants the first chance to purchase rental buildings if they go up for sale.\u003c/p>\n\u003cp>“While every project is different, acquisitions by Community Land Trusts, such as those happening in San Francisco, reflect the type of preservation-focused approach AB 670 is designed to support, helping cities meet housing goals while keeping existing residents in their communities,” Quirk-Silva said in a statement.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>San Francisco’s Small Sites Program launched in 2014 and provides loans for acquisition and preservation projects like the recent project in the Mission District at 16th and Guerrero streets.\u003c/p>\n\u003cp>The program, overseen by the Mayor’s Office of Housing and Community Development, focuses on smaller, rent-controlled buildings and helps convert the property into permanently affordable housing to combat gentrification.\u003c/p>\n\u003cp>“San Francisco’s culture is rooted in the people who have built their lives here over decades. When long-term residents, artists and families are displaced, our neighborhoods lose the social and cultural fabric that makes them unique,” said Supervisor Rafael Mandelman, who represents the neighborhood for the building at 16th and Guerrero. “SFCLT’s acquisition of this building is the kind of proactive, community-centered housing strategy we need to stabilize residents, prevent displacement and ensure that the people who create San Francisco’s cultural legacy can remain in the neighborhoods that shaped their work.”\u003c/p>\n\u003cp>As part of the new ownership with the land trust, residents will see a slight increase in rent over several years, but that’s projected to be far less than if the building were sold and converted to market-rate housing.\u003c/p>\n\u003cp>“There will be a modest rent increase, but it’s still going to be extremely affordable for us,” said Robert Geller, Herron’s husband.\u003c/p>\n\u003cp>He said having rent control allowed his family to keep their beloved Victorian apartment as prices around them skyrocketed. A musician and former city worker, he’s relieved to have a place where he can continue to grow older.\u003c/p>\n\u003cp>“San Francisco has an aging population,” he said. “It means a lot that we can stay in our building and not have to find a new place to live.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"info": "Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.",
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"radiolab": {
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"info": "A two-time Peabody Award-winner, Radiolab is an investigation told through sounds and stories, and centered around one big idea. In the Radiolab world, information sounds like music and science and culture collide. Hosted by Jad Abumrad and Robert Krulwich, the show is designed for listeners who demand skepticism, but appreciate wonder. WNYC Studios is the producer of other leading podcasts including Freakonomics Radio, Death, Sex & Money, On the Media and many more.",
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"rightnowish": {
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"title": "Rightnowish",
"tagline": "Art is where you find it",
"info": "Rightnowish digs into life in the Bay Area right now… ish. Journalist Pendarvis Harshaw takes us to galleries painted on the sides of liquor stores in West Oakland. We'll dance in warehouses in the Bayview, make smoothies with kids in South Berkeley, and listen to classical music in a 1984 Cutlass Supreme in Richmond. Every week, Pen talks to movers and shakers about how the Bay Area shapes what they create, and how they shape the place we call home.",
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"soldout": {
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"title": "SOLD OUT: Rethinking Housing in America",
"tagline": "A new future for housing",
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"info": "",
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"tech-nation": {
"id": "tech-nation",
"title": "Tech Nation Radio Podcast",
"info": "Tech Nation is a weekly public radio program, hosted by Dr. Moira Gunn. Founded in 1993, it has grown from a simple interview show to a multi-faceted production, featuring conversations with noted technology and science leaders, and a weekly science and technology-related commentary.",
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"ted-radio-hour": {
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"title": "TED Radio Hour",
"info": "The TED Radio Hour is a journey through fascinating ideas, astonishing inventions, fresh approaches to old problems, and new ways to think and create.",
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