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City of San Leandro 2023-2031 Housing Element Update 3-50  Similar to trends in other areas of Alameda County, areas of San Leandro with higher median incomes are associated with a larger proportion of white residents compared to those with lower median incomes. The northeastern area of the city (between East 14th Street and I-580, and east of I-580) has a higher median annual income (above $87,100) and sizeable predominance of white residents. Opportunity and Resources  Approximately 74 percent of San Leandro residents live in areas designated by HCD/California Tax Credit Allocation Committee (TCAC) as “low resource” or “high segregation and poverty,” and 26 percent residents live in areas designated “moderate resource.” San Leandro does not have any areas designated “high resource.” Higher resource designations signify places that can better support positive economic, educational, and health outcomes for low-income families.  San Leandro residents who earned an income below the poverty level have lower environmental health, labor market, and school proficiency compared to the total population.  All areas of the city have less positive educational outcomes according to TCAC opportunity indicators, which take into account math and reading proficiency scores, high school graduation rates, and student poverty rates. Disability  Residents with a disability have been moderately segregated in the city, likely due to the need to live near transit and medical services, income restrictions, and other issues related to housing access. The largest concentration of residents who reported living with one or more disabilities (between 20 and 30 percent of the residents in that area) is in the neighborhood located south of Downtown San Leandro and north of 139th Avenue, between East 14th Street and San Leandro Boulevard. Housing Discrimination  According to the 2015-2019 American Community Survey, San Leandro had a slightly higher ratio of fair housing discrimination cases relative to its population compared to Alameda County as a whole.  In Alameda County, disability, race, and familial status are the most common bases of housing discrimination complaints forwarded to the California Department of Fair Employment and Housing and the Office of Fair Housing and Equal Opportunity. Housing Access and Mobility  Housing affordability is a concern in San Leandro. In most of the city, at least 40 percent of residents who rent their homes are overpaying (spending at least 30 percent of income on housing costs). In some areas, particularly in central San Leandro, at least 60 percent of residents who rent are overpaying.  African American, Hispanic/Latino, and American Indian and Alaska Native residents are underrepresented in mortgage applications and mortgage loan acceptance rates.  Most areas of San Leandro are considered vulnerable to displacement, and community residents identified displacement and affordability for low-income and minority (non-white) households as a concern.