Housing affordability decreased significantly for working homeowners and renters from 2008 to 2009, according to the annual report from the Center for Housing Policy (CHP), the research affiliate of the National Housing Conference. The households CHP tracks are those with members working an average of least 20 hours per week with incomes no higher than 120 percent of the area median income (AMI). Of the 46.2 million households in this category in 2009, about 10.5 million (22.8 percent) had a severe housing cost burden, spending more than 50 percent of income on housing, an increase of nearly 600,000 households from 2008.
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