While the concept of the “American Dream” has evolved over the years, for many of us, homeownership remains the core of this vision. For some, it’s a home in the suburbs with the iconic white picket fence. For others, it’s a small low-maintenance home in a highly amenitized community. For an increasing number, though, it’s a townhouse in a mixed-used community or a duplex in a vibrant neighborhood. For too many of us, reality provides an unwelcome wakeup call.

The dream is out of reach… Unless we focus on achievable housing. What is it – and why is it so critical to our communities?


Achievable housing is non-subsidized housing that is affordable to folks with an income between 80 – 120% of the area’s median income of $54,000 (2018).

In other words, it is within reach of households earning between $43,200 and $64,800. Who are these people? Us! They’re our community leaders and helpers: municipal employees, teachers, law enforcement officers, small business owners, nurses, managers, tradespeople… Achievable housing allows more people to access affordable homes.

Achievable housing does not mean lower quality. It does not mean stripped-down homes in less-desirable areas.

What it does mean is that more people can afford a safe, secure, well-built, welcoming home.


What happens when communities put their weight behind achievable housing?

  • We make progress towards meeting demand. In the Indianapolis region, for example, construction trends indicate we’re building about 7250 new housing units a year. We need 9000 to meet demand. Close enough? Tell that to the 1750 people (and families) who will struggle to find suitable housing.
  • We boost the local economy. Achievable housing leads to higher tax revenues, job creation, and increased local purchasing power.
  • Our communities work for workers. With achievable housing, more workers are attracted to the area, businesses can boom, and communities can enjoy a higher quality of life.
  • We perpetuate a healthy cycle. When Hoosiers can put down roots, they reinvest in their communities. At the same time, we free up more resources to address critical issues, such as healthcare and food security.
  • Hoosiers have freedom of choice. All Hoosiers should have the opportunity to make housing decisions based on their preferences.

Connect with us at buildindianaroots.com to learn more about the Build Indiana Roots program and achievable housing. Let’s build a better future for all of us.