NJ Housing Resources

The following is a listing of resources which link to facts and figures that offer insight into New Jersey's housing affordability and other useful information. Please note, the links provided below are for informational purposes only and do not equal a preference or endorsement.

NJ County Resource Guides
A listing of available food, housing, healthcare, legal, and financial resources by county. As well as resources for families, children, and seniors.

Affordable Housing Trust Fund
To view a history of the Affordable Housing Trust Fund, click here. A sample ordinance is available here. Watch a recording of a webinar from the NJ Dept. of Community Affairs on the AHTF here.

Emergency Assistance
An explanation of Emergency Assistance from the NJ Department of Human Services Division of Family Development.

Housing Affordability in NJ
Infographics represent results of a 2018 Rutgers Eagleton Poll on housing affordability. Specifically, the document illustrates concerns over housing costs and use of the Affordable Housing Trust Fund.

Combat Sexual Harrassment in Housing
Sexual harassment in housing is sex discrimination under the Fair Housing Act, but many people do not know this conduct is illegal or that the U.S. Department of Justice investigates these cases. 

SEED: Growing our Communities Program
Sponsored in partnership by the Network and New Jersey Community Capital (NJCC), this program provides HCDNNJ members and non-members access to low-cost, pre-development loans to support their economic development projects. 

History of State Funding and Support for Housing and Community Development Programs
Includes a description of former and current housing and community development programs in the State of New Jersey.

New Tool Explores Trends in Home Mortgage Lending for U.S., States, and Metro and Nonmetro Areas
The Home Mortgage Explorer is a tool that draws from publicly available Home Mortgage Disclosure Act (HMDA) data and enables users to explore trends in mortgage lending between 2010 and 2015 for the U.S. as a whole, states, and metropolitan and nonmetropolitan areas. Trends can be examined by loan purpose (e.g., home purchase vs. refinance) and loan type (e.g., conventional vs. Federal Housing Administration), and all measures are provided by applicant and neighborhood income.


Automatic Expungement of Marijuana Record
This flyer reviews New Jersey’s automatic expungement process for marijuana offenses.


A Place to Call Home Report
This report from the Campaign for Housing and Community Development Funding (CHCDF) highlights how federal investments in affordable housing and community development have a positive impact on low income households and the U.S. economy.

New Jersey HUD Certified Housing Counseling Organizations
This listing is of the HUD certified housing counseling organization that are part of the Network's housing intermediary sub grantee group.

NJ Hardest Hit Programs
Administered through the NJ Housing and Mortgage Finance Agency, the New Jersey’s Hardest Hit Fund (NJHHF) program is funded through a federal grant from the United States Treasury’s Hardest Hit Fund. The New Jersey Housing and Mortgage Finance Agency (NJHMFA) is the official administrator of the program for the State of New Jersey. New Jersey’s Hardest Hit Fund program consists of the NJ HomeSaver and NJ HomeKeeper programs.

County Homelessness Trust Funds
This toolkit is to assist advocates in their efforts to help create County Homeless Trust Funds. Here you'll find a fact sheet, endorsements, model ordinance and county plans.

NJ Fair Housing

To assist nonprofits and advocates in participating in fair share housing planning at the municipal level, this guide spells out what steps municipalities must take, opportunities for public comment and influence, and judicial proceeding that may be anticipated.

Congressional District Housing Profiles
Housing data on the needs of renters by Congressional district. For example in District 1, South Jersey, over 1/3 of renters whose incomes are between 31% - 50% of median income (a family of four earning under $25,000/year) pay over half their income on housing.

Rutgers New Jersey Data Book
Published as a free public service by Rutgers' Center for Government Services (CGS), the New Jersey Data Book includes statistics on New Jersey’s 565 municipalities, its legislative districts, counties, schools, elections, and people.

Affirmatively Furthering Fair Housing (AFFH) 101
The National Low Income Housing Coalition has put out this helpful introductory summary and links on final AFFH Rule, draft AFH template, and AFFH data tool.

NJ Interagency Council on Homelessness Final Report
This report issues recommendations on Housing First policies, Rapid Re-Housing, and improved coordination among state agencies and social service providers that deliver key services to homeless individuals and families and those at risk of homelessness.

Paycheck to Paycheck from the National Housing Conference
“Paycheck to Paycheck” has data on the median incomes for 80 occupations by metropolitan area and shows what housing each occupation group can afford.

Together North Jersey
Together North Jersey “Housing Baseline Assessment Report” written by Alan Mallach for the Housing Community Development Network of New Jersey that shows the extent of the housing crisis in NJ.

Center on Budget and Policy Priorities
Fact sheets on the number of vouchers in use in New Jersey and a breakdown by population type on who housing vouchers are currently helping.

United Way ALICE Report
The ALICE Report  – Asset Limited, Income Constrained, Employed - finds that despite New Jersey’s reputation as a wealthy state, the number of households that cannot afford basic household necessities increased from 32 percent in 2007 to 38 percent in 2012.

Out of Reach Report
The report, Out of Reach, is a national study by the National Low Income Housing Coalition (NLIHC), a Washington, D.C.-based housing policy organization. The report provides the Housing Wage and other housing affordability data for every state, metropolitan area, combined non metropolitan area, and county in the country.

Gap Report
Each year, the National Low Income Housing Coalition (NLIHC) measures the availability of rental housing affordable to extremely low-income households and other income groups. Based on the American Community Survey Public Use Microdata Sample (ACS PUMS), The Gap presents data on the affordable housing supply and housing cost burdens at the national, state, and metropolitan levels. The report also examines the demographics, disability and work status, and other characteristics of extremely low-income households most impacted by the national shortage of affordable and available rental homes.

Regional Plan Association Discretionary Income Map
Interactive map shows how much spending money typical households in the New York metro region have left over after accounting for housing, transportation and taxes.