By Seth Daniel
The Metro Housing Boston organization reported this month that their transition assistance program for families in crisis helped 70 families in Chelsea with a total expenditure of $190,623 locally.
Outside of Boston, Chelsea was the one community where RAFT was utilized more than others. The next closest community was Malden with 47 families helped.
The Rental Assistance for Families in Transition (RAFT) program provides families with a small amount of cash assistance and provides an option to having to enter emergency shelter. Metro Housing Boston administers RAFT in Boston and 28 surrounding communities. With RAFT, eligible families can apply for up to $4,000 that can be used to help retain housing, get new housing, keep utilities on and to avoid homelessness. To qualify, a family cannot make more than 50 percent of the area median income, which in the 2017 Boston region was $46,550 for a family of three.
“Many families are living paycheck to paycheck,” red the report. “An unplanned expense can put their housing in jeopardy. RAFT provides a safety net for families to have something to fall back on when they are in crisis and need support.”
It is the fourth year that Metro Housing Boston has shared the data about the program, which is funded by the state Department of Housing and Community Development. Stating that Boston is one of the top five most expensive cities to live within in the United States, officials from Metro Housing Boston said such funding is extremely important for families with very low incomes to handle things like fires or other catastrophes that they cannot afford to plan for.
“For four years running, our reports continue to show the positive impacts of the RAFT program,” said Metro Housing Executive Director Christopher Norris. “For a relatively small investment, families in our region are able to stay in their communities near their children’s schools, their health providers, and their social networks. This is crucial to helping families maintain stability and achieve economic security.”
Overall, including Chelsea, the program likely saved 1,000 families from turning to a shelter – which also is estimated to have saved the state $31 million in emergency shelter funds. For the $3.8 million RAFT funding, 1,474 families were able to resolve housing crises.
With the continued commitment to funding by the state for RAFT, the program has been able to assist 60 percent more families than it did four years ago. However, this year the average benefit decreased by 3 percent to an average of $2,614 per client.
Also, a pilot program during FY17 expanded RAFT eligibility to include families of all sizes and configurations. Under this program, Metro Housing served 60 households, 31 of whom were individuals and 27 of whose head of household had a disability.
A vast majority of those receiving RAFT (48 percent) use it to pay rent that is in arrears. Some 20 percent use it to pay security deposits for a new apartment, and 11 percent use it for first/last months rent payments on a new apartment.