“Cities are where most people in Kentucky live, and we are committed
to helping more people live in safe, affordable homes,” said Sylvia L.
Lovely, executive director/CEO of the Kentucky League of Cities.
Proclaimed by the White House and the U.S. Department of Housing and
Urban Development (HUD) in 2002, June is National Homeownership
Month. Five years later, is there a reason to celebrate…or not?
The good news is that Kentucky ranks above the national average in
terms of homeownership (71.7 percent of owner-occupied homes vs. 68.5
percent). However, a recent Kentucky League of Cities OnPoint study
cited U.S. Census data showing that one in four Kentucky households live
in a home they cannot afford, meaning their housing costs are more than
30 percent of their household income.
Solutions for Kentucky CommunitiesThere are a
number of variables and efforts in play, such as the Kentucky
Affordable Housing Trust Fund which only recently received a permanent
source of funding by the 2006 Kentucky General Assembly, and the recent
increase in minimum wage that can address some aspects of critical
housing challenges. Nevertheless, the consequences of unaffordable
housing impact communities - from social issues to economic stability.
The Kentucky League of Cities and Kentucky Housing Corporation have
formed a contractual partnership to work with local leaders on key
housing issues. The arrangement creates a KLC liaison to work with
mayors and local leaders.
“We are partnering in response to several kinds of needs that all
come back to housing,” said Lovely. “KLC can help drive solutions
around housing/homelessness issues by bridging state and local
“Kentucky Housing recognizes that each community is unique and has
individual needs,” said Ben A. Cook, KHC CEO. “They know their own
strengths, as with the availability of needed services, and their
weaknesses regarding available resources, such as historic and housing
tax credits. We look forward to working with the Kentucky League of
Cities in helping establish and nurture stronger collaboration.”
The goal of the partnership is to enhance community collaboration
efforts by making sure joint housing efforts are addressed by “city
hall.” KLC serves as a liaison to local leaders on key projects such
as the establishment of working groups on predatory lending, affordable
housing and homelessness. KLC is also assisting with tools for cities
to use in their communities to build public awareness about the
The Kentucky Housing Corporation is strategically targeting 12 key
cities in which to establish Don’t Borrow Trouble® Kentucky working
groups that have local human services, credit counseling and legal aid
services available to citizens. In addition, there are 19 targeted
cities for homelessness working groups.
Results of the KLC/KHC relationship are already apparent as there are
functioning working groups in Ashland, Elizabethtown, Lexington,
Louisville, Morehead and Radcliff with Covington launching in June.
A recent working group meeting for Elizabethtown/Radcliff was well
publicized. As a result, one resident showed up to tell her story of
how predatory lending had led to foreclosure and ultimately to her
“We all know someone who’s experienced a housing challenge,” said
Lovely. “It’s a very human issue. Our partnership with KHC and local
leaders is one step toward finding solutions.”
For more information about Kentucky Housing Corporation’s programs,
call toll-free in Kentucky 800-633-8896 or 502-564-7630; TTY 711: or
For more information on the Kentucky League of Cities and our Policy
Development and Resources Services for media, contact KLC at
800-876-4552 or 859-977-3700 or visit www.klc.org.
Kentucky Housing Corporation, the state housing finance agency, was
created by the 1972 General Assembly to provide affordable housing
opportunities. As a self-supporting, public corporation, Kentucky
Housing offers lower-than-market rate home mortgages, housing production
financing, homeownership education/counseling, rental assistance,
housing rehabilitation and supportive housing programs for special needs
Kentucky Housing Corporation prohibits discrimination in employment
based on race, color, religion, sex, national origin, sexual
orientation, gender identity, ancestry, age, disability or veteran
For more information, contact:
Kentucky Housing Corporation | 1231 Louisville Rd., Frankfort,
502-564-7630; 800-633-8896 (KY only); TTY 711