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Writer's pictureJosh Billington

A Closer Look at Income Levels and the AMI for Chippewa Co.

Updated: Jun 10



Bridging the Gap: Tackling Housing Inequality Together


As the 2024 elections draw near, one of the most pressing issues on our agenda is housing inequality. To effectively address this complex problem, we need to understand how income distribution affects our community. The Area Median Income (AMI) provides a clear framework for categorizing income levels and shedding light on the disparities we must confront. Let’s dive into the HUD 2024 income levels AMI and explore what they reveal about our community.


Breaking Down AMI Categories for Chippewa County


AMI categories segment income into brackets that represent different percentages of the Area Median Income. These brackets help us grasp the distribution of income and pinpoint the most vulnerable populations in our community. The AMI for Chippewa County has increased from $51,000 to $81,000 over the past year.


1. Extremely Low Income (≤ 30% of AMI)

- Income levels: $11,340 - $17,010

- Population: 4,139

- Percentage of total population: 11.26%


2. Very Low Income (31-50% of AMI)

- Income levels: $19,845 - $28,350

- Population: 3,206

- Percentage of total population: 8.72%


3. Low Income (51-80% of AMI)

- Income levels: $31,185 - $45,360

- Population: 4,314

- Percentage of total population: 11.73%


4. Moderate Income (81-100% of AMI)

- Income level: $56,700

- Population: 3,115

- Percentage of total population: 8.47%


5. Middle Income (101-120% of AMI)

- Income level: $68,040

- Population: 4,056

- Percentage of total population: 11.03%


6. Upper Income (> 120% of AMI)

- Income levels: $70,875 - $85,050

- Population: 17,955

- Percentage of total population: 48.82%


In total, this analysis covers 36,785 individuals.


The Struggles of Extremely Low and Very Low Income Households


A significant portion of our community falls into the Extremely Low Income and Very Low Income categories, with 7,345 individuals (20.36% of the total population) facing substantial challenges. These households are often on the edge of homelessness and struggle to secure affordable housing.


For example, individuals earning $17,010 or less annually are in a constant battle to afford basic housing. Representing 11.26% of our population, this group urgently needs policies that provide affordable housing, rental assistance, and economic support.


The Challenges for Low to Moderate Income Households


The Low Income category, which includes those earning between $31,185 and $45,360 annually, makes up 11.73% of our population. These households frequently spend a large portion of their income on housing, leaving little for essentials like food, healthcare, and education.


Moderate Income households, earning around $56,700 and representing 8.47% of our population, are somewhat more stable but still vulnerable to market changes and unexpected financial challenges. It's crucial to ensure that affordable housing is available for this group to maintain a balanced and inclusive community.


Middle and Upper Income Households


Middle Income households, earning up to $68,040, make up 11.03% of our population. Although they have more housing options, the rising cost of living can still pose significant challenges.


Upper Income households, earning above $70,875, represent the largest portion of our population at 48.82%. Despite their larger numbers, they hold a significant portion of the wealth, highlighting the economic disparity within our community.


Taking Action


The data clearly shows that a large segment of our population struggles with housing affordability. Addressing this issue requires a comprehensive approach:


1. Affordable Housing Initiatives: Increase the supply of affordable housing units to meet the needs of Extremely Low, Very Low, and Low Income households.

2. Rental Assistance Programs: Provide financial assistance to help cover rent for those in need.

3. Economic Support: Implement policies that support job creation, fair wages, and economic growth, ensuring that all income groups can achieve financial stability.

4. Community Engagement: Foster a dialogue to raise awareness and generate support for policies aimed at reducing housing inequality.


By understanding income distribution and its impact on housing, we can create targeted policies that address the specific needs of each income group. Let’s work together to build a more equitable and inclusive community where everyone has access to safe and affordable housing. The County and the City will be releasing a new housing study within the next 6 months, to help us better understand the needs. There is a perception that we have too much Low-income/affordable housing options however the demand has not gone down. We must take a quantitative look at statistics like these and develop a targeted plan to care for what we have and increase housing inventory in the appropriate sectors.


Join the Movement


We invite you to join our campaign and support our efforts to tackle housing inequality. Together, we can make a difference and ensure everyone has a place to call home.


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