Missing Middle Housing Development
Description
Fund lobbying for legislation creating tax incentives, financing tools, regulatory relief, and planning assistance supporting mid-density housing development—duplexes, triplexes, townhomes, and small apartment buildings—addressing affordability challenges while revitalizing neighborhoods and expanding housing choice.
Presented By Selese Melborne
This Movement Is Currently
In The Fundraising Stage.
The Missing Middle Housing Opportunity
American communities face a critical housing shortage, particularly in the “missing middle”—housing types between single-family homes and large apartment complexes that historically provided affordable options in walkable neighborhoods. This housing gap:
- Creates artificial scarcity driving housing costs beyond middle-class reach
- Forces a binary choice between detached homes and large apartment buildings
- Limits property owner options for responsibly increasing housing supply
- Contradicts historical patterns that created America’s most beloved neighborhoods
Despite growing demand, regulatory barriers, financing challenges, and development complexities prevent market delivery of these neighborhood-scale housing options.
Our Comprehensive Missing Middle Framework
Our proposed legislation would establish a national approach to expanding housing diversity through five integrated components:
1. Financing Tools & Tax Incentives
- Missing middle mortgage product development through FHA and GSEs
- Tax credits for qualifying small-scale infill developments
- Rehabilitation financing for converting single units to multiple dwellings
- Technical assistance grants for small-scale developers
2. Regulatory Reform Assistance
- Model zoning codes allowing small multifamily by right
- Technical assistance for form-based code development
- Planning grants encouraging missing middle provisions
- Model short-term rental regulations preventing investor conversion
- Preservation requirements balancing affordability and character
3. Capacity Building & Knowledge Sharing
- Small developer training programs and certification
- Local contractor capacity building for missing middle projects
- Property owner workshops exploring housing creation options
4. Market Development & Implementation
- Demonstration projects in diverse community contexts
- Adaptive reuse strategies for commercial buildings
- Technical assistance for communities implementing reforms
- Regional planning supporting distribution of housing options
5. Community Engagement & Education
- Visualization tools demonstrating contextual density
- Community benefit frameworks ensuring inclusive development
- Historical documentation of traditional housing diversity
- Neighborhood planning processes building consensus
- Incremental development scenarios showing gradual change
- Affordability impact documentation demonstrating benefits
Implementation Strategy
The legislation would establish a Missing Middle Housing Office within HUD with $500 million in annual funding. Implementation would prioritize:
- Communities demonstrating commitment to housing diversity
- High-opportunity areas with significant affordability challenges
- Diverse geographic and market contexts demonstrating adaptability
- Measurable outcomes evaluating program effectiveness
- Knowledge capture ensuring replication of successful approaches
Our coalition includes housing advocates, architects, small-scale developers, community development organizations, lenders, and local government representatives committed to expanding housing choices while strengthening neighborhood fabric.
Your support will help restore the “missing middle” of America’s housing ecosystem—creating more affordable options, revitalizing neighborhoods, enabling multigenerational communities, and expanding housing choice for households across the income spectrum.
Meet The Organizer
Selese Melborne
Organizer
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