Realities of Rural Michigan Renters
Safe, affordable housing is essential for the health and well-being of Michigan communities. Unfortunately, in many rural areas, there is a general lack of housing options and even less that are accessible to low income families.
Keep reading to learn more about housing accessibility and affordability in rural Michigan, its impacts and how you can help our neighbors secure the housing they need to thrive.
Affordable Housing Accessibility in Rural Michigan
A Look at Rural Michigan
According to Michigan’s Roadmap to Rural Prosperity, created by the Michigan Department of Labor & Economic Opportunity and the Michigan Office of Rural Prosperity, “rural Michigan is home to 20 percent of the state’s population and comprises nearly 94 percent of the state’s land area, boasting tremendous natural resources that provide sustenance to residents, drive our economy, are culturally significant and offer endless outdoor recreational opportunities.” This brief overview illustrates the significance of Michigan’s rural areas and communities. While the majority of the state’s population lives in urban areas, Michigan’s rural communities remain integral to the state’s prosperity.
But, what does the term “rural” actually encompass? Michigan’s Roadmap to Rural Prosperity defines the term rural in three segments: “a deep connection to natural assets, being more geographically remote and smaller populations.” This definition shows the key characteristics of Michigan’s rural areas. Understanding these characteristics is integral to seeing the unique challenges these communities face.
Access to Affordable Housing
There has been a lack of affordable housing in both rural and urban Michigan communities. However, because of the nature of rural areas, these communities face unique challenges when it comes to finding housing.
Because urban communities hold more of Michigan’s population by a wide margin, there are more developments and housing options. While this logic makes sense, there are still disparities when it comes to finding affordable housing in rural communities. Even when accounting for a lower population density, there still is not enough housing in these communities.
The National Low Income Housing Coalition breaks down a few of Michigan’s housing realities in the image below:

These key facts highlight Michigan’s need for affordable rentals. Households who are extremely cost burdened spend more than half their income on housing, leaving little left to afford other necessities. These households are also at a higher risk for eviction as the National Low Income Housing Coalition explains. Unaffordable housing can lead to instability as residents struggle to stay in their homes or find housing they can afford. Low income rural renters face these risks as they work to secure safe housing that will help them move forward.
Rural Renting Challenges
Not only is it challenging to find available housing in rural communities, but there is also a lack of affordable housing. This is due to a number of factors such as residential construction lessening, household sizes shrinking, older residents aging in place and housing being converted to short-term and seasonal rentals as the Michigan Roadmap to Rural Prosperity describes.
The report goes on to explain how residential construction lessened after the 2008 recession, even with housing demands rising in rural areas. Household sizes have also been shrinking, which has not helped the need for more housing. The report says “with fewer people in each household, household growth continues even with a stagnant or declining population, and more homes are needed even for the same number of people.”
With many of the older residents choosing to age in place, there has been less housing turnover and availability overall as well. Plus, many rural areas have popular tourist attractions leading to year-round housing being transitioned into short-term rentals and seasonal properties. While the tourism revenue can help communities, the transitioning of these rentals does not help year-round residents looking for stable housing.
All of these challenges contribute to the housing needs in rural Michigan communities. Continue reading to learn more about the impacts of these factors.
Impact of Rural Renting Challenges
With the lack of rental availability and affordability, unfortunately, many people live in unsafe conditions because they cannot afford anything else. Safe housing is critical to people’s overall health and well-being. The National Center for Healthy Housing lists what makes a healthy environment in their article, “The Principles of a Healthy Home:”
- Dry
- Clean
- Pest-Free
- Ventilated
- Safe
- Contaminant-Free
- Maintained
- Thermally Controlled
- Accessible
- Affordable
All of these characteristics create a home where its residents can lead healthy, safe lives.
Not only are the physical characteristics of a rental important to residents’ health, but the affordability of the rental is also critical to their well-being. According to Opportunity Starts at Home’s fact sheet, “Healthcare Advocates Are Housing Advocates,” affordable housing is “a prescription for good health.” The fact sheet goes on to discuss how those whose rent is more than 30% of their income struggle to afford necessities such as food, transportation, childcare and healthcare. No one should have to decide between putting food on the table or paying rent. These impossible decisions have negative consequences on individuals’ health and well-being, making it even more challenging for them to move forward.
Unstable housing can negatively impact physical and mental health for children, adults and seniors. Children especially are impacted as housing instability leads to poor developmental outcomes that can impact them later on, as the fact sheet describes. Ultimately, healthy and stable housing is integral to individuals’ well-being.
Help Our Neighbors Find Safe and Affordable Housing
You can make a real difference in the lives of our neighbors. At TrueNorth Community Services, we believe everyone deserves to have dependable resources and live in safe environments. We meet the essential needs of our neighbors because all of our community members need help, safety and security to live and thrive.
How TrueNorth is Helping
Our Housing Resource Center meets people where they are to ensure they have safe, affordable housing. We offer self-sufficiency services alongside our housing support services to best set up our neighbors for long-term success. These housing support services include:
- Securing housing for those in crisis
- Assisting households to find safer, more affordable housing
- Helping low-income households remain in their homes
- Providing emergency home repairs
- Providing foreclosure prevention counseling and pre-purchase homebuyer coaching sessions
All of these services ultimately work to keep our neighbors healthy and safe in secure housing. Take a look at Alyssa’s story below to see how these services can change the lives of our neighbors.
Alyssa Secures Her Home with TrueNorth’s Support
For TrueNorth Housing Resource Center participant, Alyssa, receiving support and guidance from TrueNorth moved her and her family forward.
Alyssa first came to TrueNorth because she was unable to afford her rent. She worked part-time to give her time with her two children, but work had become inconsistent for her husband. With the day-to-day expenses combined with rent, Alyssa’s family did not have enough to stay afloat.
Thankfully, Alyssa came to TrueNorth and received rental assistance along with guidance from her caseworker. From creating a realistic budget and seeing where her money had been going to setting short-term and long-term goals, TrueNorth has given her the tools to become more self-sufficient.
During this time, Alyssa searched for a full-time job that fit into her children’s schedule. She eventually found a third-shift job that fit her family and financial goals. These pieces coming together helped relieve the stress Alyssa faced, allowing her to be more present with her family.
Alyssa says, “When you’re really stressed for money and financial stability like every other aspect of your life including like the relationships with people in your home and your children and everyone, it just seems like it can be too much. So now that I am at the point where we are like financially secure, I know that I have a paycheck coming that’s enough to like cover my bills and expenses…it’s easier to maintain.”
Now, being at the end of the program, Alyssa is confident about her family’s future. She has started her new job and is taking steps towards the goals she and her caseworker created.
“I have a plan to hopefully buy the house that we’re in now by next year and I feel like that’s attainable, versus fearing being evicted,” says Alyssa.“It really helps set me up and get me in the proper mindset to be able to go out and continue to do this every single day and keep those short term and long term goals.”
How You Can Offer a Hand Up
You can make a real difference in the lives of people like Alyssa. Whether you donate, volunteer or advocate for those in need, you can be confident you are impacting lives for a lifetime. Get involved with TrueNorth today to help strengthen our neighbors and communities.