Housing affordability relates to economic conditions and can be measured in several ways: a. Monthly Cost > 30% of household income- The sum of payment for mortgages, real estate taxes, various insurances, utilities, fuels, mobile home costs, and condominium fees. b. Gross Rent > 30% of household income- The amount of the contract rent plus the estimated average monthly cost of utilities (electricity, gas, and water and sewer) and fuels (oil, coal, kerosene, wood, etc.) if these are paid for by the renter (or paid for the renter by someone else). c. Number of Foreclosure Filings- Number of households entering some phase of the foreclosure process.