What makes a house affordable to an income group?

In a word, density. The foundation of State’s Housing Element Law is based on the premise that density is a proxy for affordability. The idea being, the more housing units on a site (density) translates to lower construction costs per unit, which translates to lower rental/sale prices of those units (affordability). Based on this, California Department of Housing and Community Development (HCD) assigns minimum density figures to each income category. In Marina, HCD identified a zoning density of least 20 dwelling units per acre to be appropriate for the development of housing that can accommodate low-income households.

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