CFED Scorecard

Financial Assets & Income

Outcome Measures

Income Poverty Rate

Asset Poverty Rate

Asset Poverty by Race

Asset Poverty by Gender

Asset Poverty by Family Structure

Liquid Asset Poverty Rate

Liquid Asset Poverty by Race

Liquid Asset Poverty by Gender

Liquid Asset Poverty by Family Structure

Extreme Asset Poverty Rate

Net Worth

Net Worth by Race

Net Worth by Income

Net Worth by Gender

Net Worth by Family Structure

Unbanked Households

Underbanked Households

Households with Savings Accounts

Consumers with Subprime Credit

Borrowers 90+ Days Overdue

Average Credit Card Debt

Bankruptcy Rate

Policy Priorities

Tax Credits for Working Families

State IDA Program Support

Lifting Asset Limits in Public Benefit Programs

Protections from Predatory Short-Term Loans

Additional Policies

Income Tax Threshold

Tax Burden by Income

Prize-Linked Savings

Paperless Payday

Trend Indicators

Change in Net Worth

Change in Asset Poverty

Change in Liquid Asset Poverty

Change in Consumers with Subprime Credit

Change in Average Credit Card Debt

Businesses & Jobs

Housing & Homeownership

Health Care


CFED Assets & Opportunity Scorecard

Housing Trust Funds

Reports & Graphics


States that have a statewide housing trust fund, 2012.


Establishing a housing trust fund is one way states can help make homeownership affordable for low- and moderate-income families. Housing trust funds use dedicated public monies for a variety of affordable housing solutions, including the construction, rehabilitation and preservation of affordable housing. They can also help families become first-time homeowners, address homelessness, provide emergency repair, and aid in foreclosure prevention.

Although Housing Trust Funds is not a Policy Priority in the current Scorecard, it was in prior years. The 2009 Scorecard Resource Guide and Policy Brief provide more information on strong Housing Trust Fund policies. In 2007 and 2009, CFED also published the following case studies on Housing Trust Funds: 

Oregon’s Campaign (published September 2009)
In spring 2009, the Oregon Housing Alliance celebrated passage of the Housing Opportunity Bill. This victory expanded funding for affordable housing by creating a dedicated funding source for the state’s housing trust fund. This victory had been years in the making – the Housing Alliance was founded in 2004 and launched its legislative effort in 2005. During the 2007 legislative session, a similar bill failed to pass by just three votes. Click here to read more.

Kentucky’s Campaign (published September 2007)
In 1994, after an education campaign on the need for affordable housing, a state Affordable Housing Trust Fund (AHTF) was established in Kentucky with an initial contribution of $400,000 from Kentucky’s then-First Lady, Libby Jones… Thus began a 12-year campaign to find a public, dedicated source of significant revenue for the Kentucky AHTF. Click here to read more.

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Housing Trust Funds

StateStatewide housing
trust fund in place?
Alabama  Yes 
Alaska  No 
Arizona  Yes 
Arkansas  Yes 
California  Yes 
Colorado  Yes 
Connecticut  Yes 
Delaware  Yes 
District of Columbia  Yes 
Florida  Yes 
Georgia  Yes 
Hawaii  Yes 
Idaho  Yes 
Illinois  Yes 
Indiana  Yes 
Iowa  Yes 
Kansas  Yes 
Kentucky  Yes 
Louisiana  Yes 
Maine  Yes 
Maryland  Yes 
Massachusetts  Yes 
Michigan  Yes 
Minnesota  Yes 
Mississippi  No 
Missouri  Yes 
Montana  Yes 
Nebraska  Yes 
Nevada  Yes 
New Hampshire  Yes 
New Jersey  Yes 
New Mexico  Yes 
New York  Yes 
North Carolina  Yes 
North Dakota  Yes 
Ohio  Yes 
Oklahoma  Yes 
Oregon  Yes 
Pennsylvania  Yes 
Rhode Island  Yes 
South Carolina  Yes 
South Dakota  No 
Tennessee  Yes 
Texas  Yes 
Utah  Yes 
Vermont  Yes 
Virginia  Yes 
Washington  Yes 
West Virginia  Yes 
Wisconsin  Yes 
Wyoming  No 


Data provided through email correspondence with the Center for Community Change in October 2012. CFED thanks Mary Brooks of the Center for Community Change for her assistance in developing and review this data.

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