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-- DRAFT -- 2025-2029 ConPlan & FY 2025-2026 Annual Action Plan Page 45 of 90 spending more than 30% of their gross income on housing. Of these, 11,139 households (35.6%) are severely cost-burdened, allocating more than 50% of their income to housing expenses. Renters are disproportionately affected, experiencing a significantly higher rate of cost burden compared to homeowners. Are there any areas in the jurisdiction where racial or ethnic minorities or low-income families are concentrated? (include a definition of "concentration") According to CHAS data, there are areas in San Leandro where low-income families are concentrated. HUD defines a low-income concentration as any Census Block Group where more than 50% of residents earn 80% or less of the Median Family Income (MFI). In FY 2023, the MFI for Alameda County is $147,900 for a family of four, with 80% of MFI equaling $118,320. Under this definition, over 30 out of San Leandro’s 65 Census Block Groups qualify as Low-Mod Census Block Groups, where more than half of the population meets the low-income threshold. For racial and ethnic minority concentrations, HUD defines these as Census tracts where more than 50% of the population belongs to a single racial or ethnic group. San Leandro does not meet this definition of minority concentration because it is one of the most ethnically diverse cities in Alameda County, with no single racial or ethnic group comprising more than 50% of the population. In summary, while San Leandro has identified low-income concentrations using CHAS data, its diversity means there are no Census tracts that meet HUD’s definition of racial or ethnic minority concentration. What are the characteristics of the market in these areas/neighborhoods? Approximately half of San Leandro’s Low-Mod Census Block Groups are concentrated along the East 14th Street commercial corridor. Four of these groups are located southwest of the Bay Fair BART station, with the remainder scattered along the borders of West San Leandro’s commercial and industrial properties and waterfront. The distribution of these Block Groups is relatively even throughout the City. The market characteristics in these neighborhoods mirror those of the City overall. Housing costs remain high, but many of these areas offer proximity to transit, retail centers, and essential services, contributing to their desirability. Are there any community assets in these areas/neighborhoods? Yes, San Leandro’s Low-Mod Census Block Groups benefit from numerous community assets. Along the East 14th Street commercial corridor, assets include affordable housing developments, grocery stores, schools, health centers, and the San Leandro Senior Center. The Bay Fair Shopping Center, a major retail hub, is also located in this area. In the western part of the City, community assets include the Marina Community Center, multiple parks and sports fields, the Marina and Manor Branch Libraries, schools, and retail shopping areas. These assets enhance the quality of life for residents in these neighborhoods and support community well-being. Are there other strategic opportunities in any of these areas? Strategic opportunities in these areas align with the broader goals of the City’s ConPlan, focusing on affordable housing, economic development, and sustainability. As noted earlier in this section, key projects include: