Billings新建35栋可负担住宅：收入为中位数60%至140%的家庭可购、住房成本封顶收入三成
Billings 位于蒙大拿州 Yellowstone County，是该州最大城市。当地一个名为 South Hills Commons 的可负担住房项目正在 King Avenue East 一带施工，规划建设35栋两居室与三居室住宅，把蒙大拿州的社区再投资计划落到具体社区。项目地址为 4317 King Avenue East。
蒙大拿州州长 Greg Gianforte 上周偕州众议员 Curtis Schomer 到项目现场视察施工进度。该项目依据蒙大拿州2023年通过的众议院第819号法案（HB 819）推进：该法设立社区再投资计划，以州资金加配套投入，帮助符合条件的家庭购买带契约限制的住宅。
开发方 CRI Logistics 的 John Dunlap 介绍，社区再投资组织参与开发并交付住宅、按成本出售，并用计划的融资协助压低按揭成本，目标是让符合条件的买家无需首付即可入住。按计划口径，可负担性的计算不只看按揭：住房总成本包括按揭月供、税与保险，合计不得超过家庭收入的30%。
州长办公室表示，South Hills Commons 的住宅面向收入为地区中位收入60%至140%的买家，契约限制旨在把可负担性留给教师、护士、警察等工薪家庭。法案同时规定，经社区再投资计划协助的住房每年升值上限为1%，以便后续符合条件的买家仍能买得起。参与全州工作的社区再投资组织 HABCRO 表示，正与全州逾24个县合作开发机会与地方住房策略；Dunlap 表示，Billings 的做法意在推广到蒙大拿州其他地区。（来源：Northern Broadcasting）
Billings Project to Build 35 Affordable Homes: Buyers at 60% to 140% of Area Median Income, Housing Costs Capped at 30% of Income
BILLINGS, Mont. — Billings, in Yellowstone County, is Montana's largest city. An affordable housing development off King Avenue East, South Hills Commons, at 4317 King Avenue East, includes 35 planned two- and three-bedroom houses, putting the state's Community Reinvestment Plan into practice by addressing both the cost of buying a home and the shortage of homes working families can afford.
Governor Greg Gianforte toured the development last week with Representative Curtis Schomer, R-Billings, to view construction progress. John Dunlap, with CRILOGISTICS, said the effort builds on House Bill 819, passed in 2023. The legislation established the Montana Community Reinvestment Plan, combining state funding with matching investments to help qualifying households purchase deed-restricted homes.
Dunlap said the community reinvestment organization helps develop and deliver homes, sells them at cost and uses the program's financing assistance to reduce mortgage costs, an approach intended to allow eligible buyers to enter homeownership without a down payment. Affordability under the program is measured against household income, including more than the mortgage alone: "It can cost no more than 30 percent of the household income," Dunlap explained. "That includes taxes and insurance and the mortgage payment."
The governor's office said South Hills Commons homes will be available to buyers earning between 60% and 140% of the area's median household income. Deed restrictions are intended to preserve affordability for working families, including teachers, nurses and police officers. The law also limits annual appreciation on homes assisted through the Community Reinvestment Plan to 1%. HABCRO, the community reinvestment organization involved in the statewide effort, says it is working with more than two dozen counties on development opportunities and local housing strategies, and Dunlap said the Billings effort is intended to expand to other parts of Montana. (Source: Northern Broadcasting System)
来源：Northern Broadcasting
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图片来源：图：秋日的 Billings 全景（资料图）。Sara goth 摄，CC0，经 Wikimedia Commons。 / Photo: Billings, Montana, in the fall (file photo). By Sara goth, CC0, via Wikimedia Commons.
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