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Debt is Not a Bad Word: Funding New Jersey’s Infrastructure through Smart Financing

February 18th, 2025 by Jessika Sherman

The following feature was originally published in the February 2025 edition of NJ Municipalities Magazine, which has been relied upon by local government leaders, department heads and administrators for over 100 years. NJ Municipalities is read by over 6,000 readers each month. You can read an online version, or view the pdf of the print edition.

Municipalities face a tricky balancing act when it comes to infrastructure improvements: they need to address large, costly projects but have limited resources to fund them. Historically, issuing debt has been the primary means that municipalities are left with to finance critical improvements. However, municipal leaders are reluctant to be the ones responsible for issuing debt, while utilities and public systems are often hesitant to raise rates to cover project costs.

The reluctance to take on debt is understandable, especially when debates over the federal debt ceiling and spending often dominate headlines. Concerns over affording the debt service, balancing the budget, raising enough revenues, and not wanting to burden taxpayers or ratepayers are valid. These issues span from the smallest municipalities to the federal government. By assisting municipalities and small-to medium-sized water systems in accessing funding for vital water infrastructure projects, New Jersey Future’s Funding Navigator program has come to appreciate these challenges. While grant programs and federal funding provide some relief, such as the Infrastructure Investment and Jobs Act (aka the Bipartisan Infrastructure Law) and the American Rescue Plan Act, these funds are limited and temporary.

Programs like Clean Water and Drinking Water State Revolving Funds (SRFs) provide municipalities with more accessible options for financing critical infrastructure projects. The New Jersey Water Bank (NJWB), a partnership between the New Jersey Infrastructure Bank (I-Bank) and the New Jersey Department of Environmental Protection (NJDEP), offers low-interest loans to support clean water and drinking water infrastructure projects. In addition to the Water Bank, the I-Bank provides low-interest loans for other essential infrastructure through the Transportation Infrastructure Bank and the Resilience Infrastructure Bank. These funding sources are fundamental to addressing the state’s infrastructure needs. When paired with effective planning and sound financial management practices, they help mitigate the risks commonly associated with taking on debt.

“If you set a plan and follow the plan, it helps you avoid an emergency. When you do things in an emergency, you pay more for it and can’t plan as efficiently,” explains Thomas Horn, Executive Director of the Lambertville Municipal Utilities Authority. Horn’s experience highlights the significant potential benefits of State Revolving Fund (SRF) low-interest loans. The municipality utilizes a 30-year infrastructure plan that allows it to anticipate water system needs well in advance. By leveraging low-interest loans from the I-Bank, they have made essential system upgrades while developing a fair and sustainable rate structure to manage the debt service.

Lambertville’s proactive approach helps avoid the high costs and inefficiencies associated with emergency repairs. Horn also acknowledges a perspective shared by many municipal leaders: while no one likes taking on debt, sometimes it is necessary. “It’s like a mortgage,” he says. “Very few systems and towns have the resources to fund large infrastructure improvements outright.” Lambertville’s experience underscores the importance of long-term planning and strategic financing in maintaining critical infrastructure.

Strong financial management practices can help municipalities, utilities, and taxpayers benefit from strategic debt use. For municipalities and utilities, debt provides enhanced project funding by facilitating large-scale infrastructure projects with access to capital markets with favorable interest rates, such as those offered by the Water Bank. As Lambertville has demonstrated, loans provide the financial resources needed for critical improvements without placing an immediate strain on existing funds, enabling municipalities to focus on strategic planning and implementation. This approach ensures that cash reserves are preserved for true emergencies, while a structured repayment schedule spreads costs over time, aligning debt service with the lifespan of the infrastructure. By reducing upfront costs, debt can accelerate project timelines, which is essential for addressing urgent needs.

Even municipalities or utilities with sufficient cash reserves can benefit from debt. Low-interest loans are particularly advantageous when their rates are lower than the returns on cash reserves or fund balances, which can be saved for unexpected delays or misaligned payment schedules. Beyond financial stability, infrastructure improvements driven by strategic debt use make municipalities more competitive by attracting businesses and residents, ultimately strengthening the local economy and increasing ratables, which can help fund the debt service over time.

Taxpayers and ratepayers can also benefit from this approach. Infrastructure investments generate jobs and economic stimulation during the planning and construction phases while offering long-term benefits like modernization and enhanced service reliability. Improved infrastructure leads to better service delivery and greater safety for utilities and water systems. Furthermore, debt payments distribute the cost of these improvements over their useful life, ensuring that future users contribute to funding and avoiding hefty, one-time tax or rate increases. Proper planning, as demonstrated by Lambertville, is critical for avoiding costly and disruptive emergencies and ensuring that communities’ financial and service needs are met effectively.

The reality is that, much like the nation as a whole, New Jersey faces costly and urgent infrastructure challenges. According to the U.S. Environmental Protection Agency, addressing all the necessary improvements and repairs for drinking water and clean water infrastructure in New Jersey alone will require an estimated $31.6 billion. In 2021, the U.S. received a C- rating from the Report Card for America’s Infrastructure, while in 2016, New Jersey received a D+ rating, highlighting the dire need for investment. As a coastal state, New Jersey is particularly vulnerable to flooding and the impacts of climate change, making infrastructure improvements and resilience efforts more critical than ever. Debt is not a bad word—it is a vital tool that enables municipalities to address these challenges without overwhelming current resources when used strategically and with sound financial management. By leveraging debt effectively, New Jersey can build the resilient, modern infrastructure needed to support its communities and secure a sustainable future.

Exciting Updates to NJ’s State Plan—Don’t Miss Your Chance to Speak Up!

February 18th, 2025 by Tim Evans

New Jersey Future (NJF) has been a key advocate for the State Plan since our founding in 1987, championing smart growth policies to improve communities and safeguard natural resources. NJF was a member of the consultant team that assisted the Office of Planning Advocacy with the update to the State Plan. I contributed analysis on multiple subject matter areas addressed in the Plan, including parts of the Research Briefs section, Population and Employment Projections section, and the Lasting changes in the post-COVID world section.

  • The “Research Briefs” section consists of four subject-matter reports:
    • Transit-Oriented Development’s Renaissance in New Jersey 
    • Young Adults and Walkable Urbanism 
    • Redevelopment Is the New Normal
    • Planning for the Challenges of an Aging New Jersey
  • The “Population and Employment Projections” section describes how we evaluated population and employment projections, the issues we examined, and what methodology we decided to adopt. The projections are discussed in the State Planning Commission (SPC) meeting minutes from the 11-6-24 meeting, where the SPC officially adopted the population and employment projections as we recommended.
  • The final section of the Population and Employment Projections Appendix, labeled “Lasting changes in the post-COVID world,” highlights some questions that arose during the State Plan update process about changes that were brought about by the COVID-19 pandemic. It is important to watch for which of these changes have staying power and which might revert to their pre-pandemic state since they will have implications for what future growth and development in New Jersey looks like.

NJF remains committed to helping advance the State Plan and ensuring its success across the Garden State, but we can’t do it alone. You can help make the State Plan update a success by providing feedback on the draft plan or joining a public meeting!

Attend one of a series of upcoming public meetings, one in each of New Jersey’s 21 counties. The Salem County meeting happens on February 19, at 5 p.m. and the NJ Highlands Council and Somerset County meetings are February 20. Find more information on these and your county meeting here.

Email   (stateplandotcommentsatsosdotnjdotgov)   to submit your comments. 

Public comments can be submitted at any time during the cross-acceptance process which culminates with the State Planning Commission meeting (anticipated December 2025) at which the vote will take place to adopt the final version of the Plan. 

To ensure adequate time for comments to be considered, the Office of Planning Advocacy recommends submitting by April 16, while the county public information meetings are still taking place.

 

Timeline for Cross-Acceptance Process:

  • December 6, 2024: Cross Acceptance commences. Draft Preliminary State Development and Redevelopment Plan released for public comment. 
  • February 12 to April 16, 2025:  Public Information Meetings, one per county. Check the Update to State Development and Redevelopment Plan page in the item about the 2025 County Public Meeting schedule for the latest.
  • Spring/Summer 2025:
    • Cross Acceptance Reports 
    • Statements of Agreements and Disagreements 
    • Negotiation Phase 
    • State Agency Reports and Responses 
    • Complete Infrastructure Needs Assessment, Phase II and Impact Assessment
  • Summer/Fall 2025:
    • Incorporate results of Cross-Acceptance into the Final Draft State Development and Redevelopment Plan
    • Hold six (6) Public Hearings (5 virtual and 1 in person)
    • Release the Final Draft State Development and Redevelopment Plan
  • Winter 2025: State Planning Commission adopts final State Development and Redevelopment Plan

 

Your voice shapes New Jersey’s future. Share your input by submitting a comment or joining a public meeting.

Breaking Down the State Revolving Fund – Recommendations and Changes

December 2nd, 2024 by Jessika Sherman

This blog is a follow-up to New Jersey Future’s November 2023 report Improving a Program That Works: Recommendations to the New Jersey Water Bank for Advancing Equity. Please see page 1 of the report for a list of acronyms.

 

Over the next 20 years, the United States must spend $625 billion to fix, maintain, and improve water infrastructure. According to the US Environmental Protection Agency, New Jersey alone will need to spend at least $12,252,800,000 on drinking water infrastructure and $19,352,000,000 on clean water infrastructure over the next 20 years to make all necessary improvements and repairs. The predominant sources of water infrastructure funding and financing for all 50 states are the Clean Water State Revolving Fund (CWSRF – wastewater treatment and stormwater management) and the Drinking Water State Revolving Fund (DWSRF – safe and reliable water supply). These State Revolving Funds (SRFs) are financial assistance programs that provide low-interest loans to support critical water infrastructure projects essential for protecting public health and the environment.

The New Jersey Water Bank (NJWB), a partnership of the New Jersey Department of Environmental Protection (NJDEP) and the New Jersey Infrastructure Bank (I-Bank), manages New Jersey’s State Revolving Funds. NJWB’s financial support to New Jersey wastewater and drinking water systems has generated significant savings through principal forgiveness (PF – grant-like funding) and low-interest loans. Disadvantaged communities (DACs) served by small and medium-sized systems face increased challenges in accessing SRF funding, particularly struggling to reach the initial application stage due to the high costs associated with planning and design. Larger water utilities tend to receive disproportionate awards, while smaller, fiscally distressed DACs lag behind, highlighting a significant equity concern. In Improving a Program that Works: Recommendations to the New Jersey Water Bank for Advancing Equity, released in November 2023, New Jersey Future (NJF) and the Environmental Policy Innovation Center (EPIC) primarily recommended policies to improve access to the SRFs for water systems serving DACs through a more robust method for identifying disadvantaged communities, maximizing pre-construction support, expanding principal forgiveness funds, and providing 0% interest loans.

Annually, the NJWB is required to develop Intended Use Plans (IUPs) for the DWSRF and CWSRF, laying out the policies, funding packages, and project priority ranking methodology for the corresponding state fiscal year. Over the last few years, NJF has reviewed New Jersey’s IUP policies and submitted comments concerning the amount of state and federal funding used to address the needs of water systems serving disadvantaged communities. NJDEP, which sets policy for the NJWB, has been open to feedback and working with stakeholders to improve the IUP policies.

Of the ten recommendations made in Improving a Program that Works, NJDEP has implemented the following:

  • NJWB has made progress in expanding set-aside activities for technical assistance and support for DACs, particularly for pre-construction needs. Project sponsors who meet the affordability criteria are eligible for the New Jersey Technical Assistance Program (NJTAP), a free technical assistance program for drinking water projects. Additional planning and design grants and principal forgiveness are also available.
  • Increased flat caps in all drinking water SRF categories that will result in more subsidies for small water systems, lead service line (LSL) projects, and DAC systems.
  • NJWB implemented a tiered funding structure to direct a greater share of financial assistance to DACs with the greatest financial need.
  • The most recent IUP clarified the I-Bank’s creditworthiness policy.

NJF is excited to see all the improvements that have been made and hopes to see the following changes made in the future:

  • As a key first step in refining its criteria for dispersing principal forgiveness, NJDEP implemented a two-tiered system based primarily on median household income (MHI).To maximize equity, NJDEP should adopt the model established by several other states (e.g., Wisconsin) that incorporates more tiers and indicators (e.g., family poverty, population trend). The combined effect directs a larger share of aid to the state’s neediest communities.  
  • MHI is still the primary criterion for calculating an affordability score for water systems serving DACs in the Intended Use Plans. NJF and EPIC recommend utilizing the Department of Community Affairs’ Municipal Revitalization Index score, a multidimensional tool comprising ten factors in five broad categories. Alternatively, NJDEP could consider using a water affordability index, such as the one developed by Dan Van Abs (Professor of Practice for Water, Society, and the Environment at Rutgers University, School of Environmental and Biological Sciences) for Jersey Water Works, for distributing funds to those in greatest need.
  • NJDEP should significantly expand the use of 0% interest loans to advance critical, high-priority projects in the most distressed DACs. NJDEP only increased these loans for investor-owned systems in the most recent IUP.
  • Significantly increase the ranking points awarded in the Project Priority List for “gainsharing” initiatives that benefit both the water utility and the state, such as water affordability programs (which support appropriate rate setting while protecting low-income customers), asset management plans, and regionalization of water assets.
  • NJDEP should repurpose a modest portion of loan repayments to increase principal forgiveness to DACs. NJDEP could use this approach to develop a funding source for galvanized water service lines within DACs, which may not be eligible for federal Bipartisan Infrastructure Law funding. Galvanized service lines are required to be removed in NJ by 2031 since they can be a source of lead in drinking water.
  • Legislation to improve creditworthiness for severely distressed DACs.

The report also identified the need to address congressionally directed spending, or earmarks. Congress has diverted SRF funding to earmarked projects, and the concern is that earmarked projects circumvent the normal priority-setting process where projects determined to be of the highest priority score the most points. In addition, communities with median household incomes (MHI) above the state average, including some of New Jersey’s wealthiest areas, have received nearly half of the earmarked funds. Meanwhile, less than a third of these funds have gone to disadvantaged communities (DACs). Discussions with New Jersey’s congressional delegation are ongoing, but no definitive changes have been made to prevent federal water infrastructure funding from being derailed by earmarks. Governor Murphy, according to NJDEP, sent a letter to the New Jersey Congressional Delegation expressing concern over this issue.

As last year’s report title states, NJDEP’s CWSRF and DWSRF programs are generally effective and have provided significant funding to improve water systems since their inception; however, as New Jersey faces the daunting challenge of aging water infrastructure and its extreme costs, ensuring equitable access to funding is critical. DACs served by small- to medium-sized water systems face the most barriers to accessing the financial resources needed to repair and upgrade water systems. Though progress has been made, significant disparities remain. NJWB should continue to refine its program to target funding to New Jersey’s most distressed communities, most of which lack the resources to provide safe, reliable water services for the future. Without a greater commitment to both equity and funding, the gap between resource-constrained DACs and other water utilities will continue to grow, undermining efforts to build resilient, sustainable infrastructure across New Jersey.

Logging On: Examining the Influence of NUMTOTs on Urbanism Discourse

September 19th, 2024 by Sneha Patel

“Whatever your niche interests are, there’s already a conversation happening online about it,” Michael Atkins, Communications Director at New Jersey Future, opened astutely when moderating the session “Logging On: Examining the Influence of NUMTOTs on Urbanism Discourse” at the 2024 New Jersey Planning and Redevelopment Conference hosted by the New Jersey Chapter of the American Planning Association and New Jersey Future. 

From navigating confusing metro maps to voicing frustrations with the lack of bike lanes, younger generations are using their lived experiences to engage with peers through the online ecosystem. By creating and sharing memes, young people have found a collective vehicle to insert themselves into the planning and transportation conversation. Millennials and Gen Z’s in the urbanism space, who hold similar values such as being pro-transit and pro-housing and believe better urbanism is crucial to meeting environmental goals, are called NUMTOTs, otherwise known as New Urbanists Memes for Transit-Oriented Teens. 

The session featured a selection of online creators with different insights, from the birth of “NUMTOTs” to creators of longer-form and short-form content. The panelists included Alan Fisher, Social Creator and Media Advisor; Alex Ambrose, Policy Analyst, New Jersey Policy Perspective; and Juliet Eldred, Co-Founder of the NUMTOT Facebook group and Project Manager at Trillium, an Optibus Company. 

The NUMTOTs Facebook group, created in March 2017 by Juliet Eldred and her co-founder Emily Orenstein—initially created as a joke—has flourished into a well-established discussion forum with over 225,000 members worldwide. Facebook served as the primordial soup for the emergence of transit-related memes, where many groups based on niche topics were common. Memes are images or short videos that are usually funny or relatable and are easily circulated. They are a way of tapping into feelings that everyone shares, from missing the bus to seeing something as bizarre as a bull on the tracks of NJ Transit. The shareable, simple nature of memes makes them a driving force to connect multiple generations to rally behind issues areas (even going as far as winning presidential endorsement from the entire group). The NUMTOT Facebook group was where many young professionals fostered their interest in the transit and planning field.

Alan Fisher, a fellow NUMTOT himself, explains how everyone engages in meme culture in some form: “The learning experience or the way that you teach the public has changed, but the concepts and the ways that we talk about it have not.” He compares a 1930’s advertisement from the Chicago Shore Line, which states, “The Steel Highways are always open!” to a current ad from the Chicago RTA, “Spoiler Alert: There’s Traffic.” Close to 90 years later, the same message remains: take the train, and you won’t be stuck in traffic. Fisher, the creator of the YouTube series Armchair Urbanist, on a YouTube channel with 225K subscribers and 24.5M views, makes content focused on urban planning, transportation, and North American history. He comments, “There’s always something to teach about urban planning to the general public. You have to shape and create a message in a way people will understand.” His YouTube community has been a place to get people engaged in otherwise “dull” topics and for professionals to get excited to talk about their niche interests in a captivating way. Being relatable, clear, and oftentimes funny can be the key to crafting content that resonates with people. Organizations frequently struggle with being too business-focused and using “LinkedIn fluff.” as Alan puts it. He remarks, “Being too nice at approaching concepts or too scared at making fun of the industry can keep you from connecting with anyone, leaving you with too muddy of a message because you aren’t taking a stand on anything.”

Alex Ambrose, Policy Analyst at New Jersey Policy Perspective, isn’t afraid of voicing their opinions. “You never know what will resonate with people,” Ambrose comments. Taking on the persona of a “Professional Nerd” she engages audiences on New Jersey policy primarily on Twitter and TikTok. Ambrose creates short-form content such as one-minute videos or shareable memes where she explains the legislative budget process while getting ready or inserting her policy opinions into trending topics like Barbie or Taylor Swift. She explains, “Humor creates a low barrier for people to understand new concepts.” Social media is unserious in nature but can have a tangible impact. She says, “You should treat social media like it is real life to reach your goals.” Social media content can reach influential audiences, including policymakers, senators, and even Governors. Ambrose aims to create content that reaches a specific audience to advocate for change. She advises, “Don’t go viral, go local.”

Social media may seem silly, but it is an effective means of intergenerational communication. Connecting our everyday occurrences and getting younger people interested, engaged, and informed is a way of leveling the playing field for those who want change but are unsure how to advocate for it. For many organizations, it can be a direct way to tailor your message to your audience. Access to affordable housing, multiple modes of transit, and clean drinking water are human issues. Everyone can relate and memes can be a way to mobilize the public. A little bit of “unprofessionalism” can make significant changes.

Sustainable and Cost-Efficient: Implementing a Dig-Once Policy in Trenton

August 30th, 2024 by Samirah Hussain

Lead service line replacement in Newark, New Jersey. Photo by the City of Newark.

 

Funding, funding, funding–the chorus frequently heard at the inception of almost every community improvement project. Financing remains one of the largest obstacles to infrastructure improvements. The increased frequency and severity of climate disasters and subsequent repair efforts have only exacerbated the issue. The solutions, however, lie in new and innovative approaches to infrastructure development—one such strategy being the dig-once policy.

A dig-once policy is a strategy to coordinate major community infrastructure projects to reduce negative environmental effects, construction disruptions, and costs. Some policies may focus on installing new, modernized infrastructure, such as telecommunications, during the excavation phase of major roadway or water projects. Others may focus on coordinating priorities of state agencies, such as the New Jersey Department of Transportation (NJDOT) and the New Jersey Department of Environmental Protection (NJDEP), to align investments into major infrastructure improvement projects for mutual benefit. In the case of Trenton, New Jersey, the dig-once policy could serve as an example of a sustainable and cost-efficient method to install green infrastructure alongside the city’s lead service line replacement program.

Trenton: A Case Study

Background

In 2022, the City of Trenton passed an ordinance to establish a Complete and Green Streets policy, which aims to create accessible and safe roads for bicyclists, public transit users, pedestrians, and drivers while incorporating green infrastructure to manage stormwater runoff, reduce air pollution, and more. Since then, the city implemented a wide variety of community engagement, construction, and research projects largely funded by state and federal grants to accomplish the goals in their adopted policy. At the same time, Trenton Water Works, a publicly owned drinking water system, is undertaking a lead service line replacement program in compliance with state legislation mandating the removal of all lead service lines statewide by 2031.

Courtesy of the Environmental Protection Agency (EPA)

 

In both areas, Trenton has excelled. New Jersey Future’s Managing Green Infrastructure program conducted research to log Complete and Green Streets resolutions or ordinances passed in the Delaware River Basin, as well as Complete and Green Streets projects municipalities took on as a result. Based on this research, the city is one of the leading municipalities in the Delaware River Basin for Complete and Green Streets green infrastructure projects. Since 2017, Trenton Water Works reported that it has already replaced almost 30% of its lead service lines and is currently developing a plan to replace its remaining service lines by 2031.

Despite this success, more work can be done. Trenton Water Works reports it has replaced approximately 10,000 lead service lines already, and estimates there may be up to 20,000 still remaining. Complete streets, tree-lined roads, and rain gardens have been constructed in certain areas throughout Trenton. “Our Streets: A Bike Plan for All” is a community engagement and urban planning project carried out by the Delaware Valley Regional Planning Commission and City of Trenton, has the goal of establishing complete streets all across Trenton. As of August 2024, the project is still developing its final report, highlighting that the work is nowhere near finished.

Implementing The Policy

Trenton is uniquely positioned to build on its success by implementing a dig-once policy while completing lead service line replacement and installing complete and green streets. Lead service line replacement requires digging up roads, lawns, and green spaces at multiple points in the removal process. Complete and Green Streets projects require repainting roads, installing safety equipment, planting trees and rain gardens, and extending roads. Implementing a dig-once policy would mean contractors for both projects align construction and contractors work collaboratively in the same locations. For example, as contractors dig up asphalt for lead service line replacement, infrastructure for green streets can be installed in the same areas. When the road is repaired and repaved, a complete streets design can be implemented. Having to “dig once” for two different projects saves on construction costs, limits construction disruptions and road closures, and reduces excessive environmental disruptions. 

As the state’s capital, Trenton has both the visibility to garner public support for such projects and the duty to act as a role model for other municipalities. With climate-related disasters reaching an all-time high, investing in climate-resilient infrastructure is more pressing than ever.

The difficulty lies in achieving such a high level of coordination between organizations doing unrelated work but aiming for similar improvements to water quality and public safety: Trenton Water Works, the New Jersey Department of Transportation, and the City of Trenton. Technical assistance providers, like New Jersey Future,  take the initiative to facilitate the required connections. Moreover, both lead service line replacement and Complete and Green Streets projects require oversight and involvement from overlapping intermediary organizations, like the NJDEP and the NJDOT. These state agencies can utilize their oversight to facilitate coordination between lead service line replacement and Complete and Green Streets projects. With state agencies and municipalities operating on limited budgets, fully funded by taxpayer dollars, coordinated planning on overlapping infrastructure initiatives is in the public’s best interest to save costs.

Closing

Collaboration has the power to make the dig-once policy a reality, saving time, money, and the environment all at once. In the vast majority of townships, the need for infrastructure improvements often exceeds the amount of funding available. Many projects, as is the case in Trenton, are funded with state and federal grants that are limited in quantity and require a township to dedicate additional resources just to apply. A lack of funding, however, does not cause community needs to disappear. Complete and Green Streets are necessary to create healthier, safer, and more comfortable communities resilient to worsening climate disasters. Lead service line replacement is vital to address the life-threatening effects of lead in our community’s drinking water. The dig-once policy offers a strategy to address Trenton’s community needs while saving money and resources. We must rely on innovative solutions to pave a path toward progress—and our state’s capital has the opportunity to lead the way.

Harmful Algal Blooms impacting recreation season for NJ Lakes

July 30th, 2024 by Chris Sotiro

Budd Lake, New Jersey’s largest natural freshwater body, was once an attractive vacation spot in North Jersey during the latter half of the 19th century for sunbathing, swimming, boating, and nearby attractions that have continued to today. Now, Budd Lake faces water quality impairments that threaten the recreation season and associated economic activities. Harmful algal blooms (HABs), caused by the overgrowth of cyanobacteria, have frequently shut down the lake for several weeks during peak summer months. Budd Lake is not just for boaters, anglers, and sportsmen; it serves a vital role in the watershed as the headwaters for the South Branch of the Raritan River, which supplies drinking water to over 1.8 million people living downstream. HABs degrade water quality to the point of toxicity, making this a matter of environmental concern and a public health dilemma. During severe bloom events, most water treatment facilities are not equipped to handle high levels of cyanobacteria and cyanotoxins in source water, putting otherwise healthy residents at risk of adverse health effects.

Harmful Algal Blooms

 

Human activities enable and exacerbate cyanobacteria growth when favorable environmental conditions are met, such as extreme heat and low flow rates. When nearby residents spray hazardous fertilizers on their lawns or when cars leak oil and grease while passing through US Route 46, those non-point source pollutants can be carried into the lake via stormwater runoff, acting as nutrients for cyanobacteria. Two main sources of nutrients are nitrogen and phosphorus, which can originate from residential, agricultural, or industrial sites, all of which can be found in proximity to Budd Lake. This problem is not confined to Budd Lake alone; major lakes throughout the state have fallen victim to HABs and restricted recreation to protect public health. Spruce Run Recreation Area in Hunterdon County – the third largest reservoir in the state—has already banned swimming for the rest of the summer after a HAB was detected in early July. Once a bloom forms, the affected water can harm humans and disrupt aquatic ecosystems.

An example of a floating wetland island

Runoff from roadways and nearby neighborhoods is an issue that every municipality must grapple with. Existing gray infrastructure, such as traditional detention basins and pipes, are successful in redirecting stormwater, but fail to filter pollutants out of runoff or prevent contaminants from reaching nearby lakes and streams. While nonpoint source pollution is inevitable, whether or not those pollutants make it into water bodies is a question of effective stormwater planning. Green infrastructure is a low-cost, nature-based solution that sustainably improves water quality, absorbs greenhouse gas emissions, and provides new habitats for aquatic life. In the case of Budd Lake, floating wetlands are a form of green infrastructure that is being deployed to combat HABs by filtering nutrients from runoff that float at the water’s surface.

This illustration, sketched by Ivy Babson of Princeton Hydro, conveys the functionality of a floating wetland island.

 

Similar green infrastructure projects, such as rain gardens, porous pavement, and bioswales, can be retroactively installed on nearby properties to absorb stormwater and filter pollutants before they can discharge into Budd Lake. New Jersey Future’s Stormwater Retrofit Guide outlines best management practices for installing green infrastructure projects and methods to identify potential retrofit areas. This guide also showcases success stories of stormwater retrofit projects that have improved the health of watersheds throughout the State, such as those in Franklin and Lakewood Townships.

Stormwater basin retrofit in Franklin Township

Cleaning up Budd Lake will take years of collaborative, multi-agency effort. To combat HABs throughout the Garden State, $13.5 million in state and federal funding was made available for municipalities by Governor Murphy in 2019 for evaluation, treatment, prevention, and upgrades to sewer and stormwater systems. This funding, along with grant support from the New Jersey Department of Environmental Protection (NJDEP), allowed the Raritan Headwaters Association, Rutgers Cooperative Extension Water Resource Program, and Mount Olive Township to draft a watershed restoration and protection plan. This plan will improve Budd Lake’s water quality by incorporating green infrastructure at strategic sites around the lake to capture and filter large volumes of stormwater runoff.

As HABs have been occurring more frequently in recent years due to overdevelopment and steadily increasing annual precipitation rates, there is a growing need to curtail the use of environmentally harmful products while implementing nature-based solutions to mitigate the discharge of pollutants into major water bodies. New Jersey is the most densely populated state in the country, making it highly susceptible to pollution from stormwater runoff around residential, industrial, and commercial development. As of January 1, 2023, every municipality in the State must comply with new updates to the MS4 Tier A Permit, including the requirement to develop a long-term Watershed Improvement Plan, which must be finalized by the end of 2027. As municipalities draft this Plan in the coming years, it is crucial to explore opportunities to incorporate green infrastructure as a preventative measure that can capture, absorb, and filter runoff to prevent the growth of HABs at beloved community recreation sites and to safeguard water quality.

Heat, Air Quality, and Hope: Community Research and Resilience in Elizabeth, NJ

July 30th, 2024 by Sabrina Rodriguez-Vicenty

Famartin, CC BY-SA 4.0, via Wikimedia CommonsFamartin

Elizabeth is nestled on the shore of Newark Bay in Union County, a dense, urban enclave in the heart of the Meadowlands estuary and wetlands. Our neighbors include: the Newark Liberty International Airport, where planes fly by my apartment multiple times a day creating noise nuisance. The Port Newark–Elizabeth Marine Terminal, the third-busiest container port in North America, and principal facility for goods entering and leaving the Northeastern United States. The Bayway Refinery, a petrochemical complex in operation since 1908 that produces gasoline, diesel fuel, jet fuel, propane, and heating oil. And Exit 13 of the NJ Turnpike, where every day a quarter of a million cars and trucks emit carbon dioxide and release tire particulate matter into the nearby community. Needless to say, Elizabeth has the qualifications to be classified as an environmental justice community by the EPA, and as one of the most polluted municipalities in the nation is recognized by the state as an environmentally overburdened community.

I was born and raised in Puerto Rico, a small Caribbean island rich in natural resources that suffers from environmental issues like flooding, hurricanes, heat islands, and lacks autonomy and representation, and therefore financial resources for disaster recovery and mitigation. Two years ago, I moved from Puerto Rico to Elizabeth, to attend Rutgers University to study public policy. When I opened my mailbox for the first time in my new home I was greeted by a startling welcome — I received a postcard for a class action lawsuit, which read: “If you’ve lived in Elizabeth or Linden for 10+ years, you may be eligible for compensation regarding environmental hazards.”

“Elizabeth, New Jersey was part of a nationwide study of five cities where all of the maps showed the same stories, that redline areas were prone to heat and flooding issues as well as air quality, which raised asthma rates and health conditions for its residents,” John Evangelista, Ground Works Elizabeth. As a minority woman of color, it seems that, at least for me, there is no escaping environmentally overburdened places to live, or is there?

The panelists of the 2024 NJ Planning and Redevelopment Conference session “Beating the Heat and Bad Air in Elizabeth, New Jersey” contributed a variety of experiences and deep firsthand knowledge that suggests there is reason for optimism. The session moderator was Clinton Andrews from Rutgers University, who led a community-based participatory research study funded by the National Science Foundation and the Environmental Protection Agency (EPA) to better understand heat and pollution effects in Elizabeth. Other panelists included Carmen Rosario, a Master’s in City and Regional Planning student from the Edward J. Bloustein School of Planning and Policy, and Jennifer Senick, Senior Executive Director of the Center for Urban Policy Research both at Rutgers University in New Brunswick, and Ground Works Elizabeth’s Deputy Director John Evangelista. 

Rutgers’ research goal was to monitor the impact of heat exposure both outdoors and indoors in select Elizabeth Housing Authority (HACE) sites. Affordable housing locations include greater vulnerable populations like seniors and people with asthma, among residents with other health conditions. The study uses sensors and micronets to achieve a smart city paradigm that raises awareness to environmental stressors, enables greater community-level advocacy, and builds citizenship engagement. For the outdoor portion of the study, they installed sixteen sensors around HACE sites, a step that should be implemented in other EJ EPA communities. For the second portion of the study, connections were established between indoor and outdoor air quality using personal exposure measurement devices to identify how personally folks are exposed to environmental stressors, such as indoor smoking, cooking and cleaning choices, and (frighteningly) opening windows. 

See page for author, CC BY-SA 3.0, via Wikimedia Commons

 

Key partners:

This research brought together two key partners. The Bloustein microclimate class helped in identifying, through geospatial analysis, community asset maps that included: hospitals, cooling stations, adult day centers, senior citizen centers, libraries, and food pantries. Students also identified policy adjustments for community health, and infrastructure focus to mitigate risks. The second partner was Groundwork Elizabeth, a community-based organization that has worked for over twelve years to develop public health and environmental programs for Elizabeth. Recently, Groundwork Elizabeth launched the Climate Safe Neighborhoods Initiative, a community-based task force advocating municipal policies to mitigate climate change impacts. 

Lessons learned:

There were many various stakeholders in the project, each with their own needs. Researchers quickly identified the need to create a customized user experience for the community members. The project used community engagement in system design, including product design—hearing and listening sessions and brainstorming workshops—to answer varied demands. As Elizabeth has a predominantly Hispanic population, it was important to meet the community in their community centers, translate to Spanish, and provide multilingual engagement sessions. The student researchers and future planners learned the importance of conciseness when presenting findings by using relatable language. Another lesson learned is that developing connections and trust requires time. It is not possible to drop sensors into a community by parachute; Groundwork Elizabeth’s more than a decade of community involvement work, along with related relationships, all contributed to the project’s growth and development.

There are troubling connections between race-based housing segregation and climate change. Those who have contributed the least will pay the most. With increasing technological advances and accessibility to micronets and sensors, the hope is that this study is replicated in other environmentally overburdened communities. Although the model requires expertise, deep engagement, and grant support, it’s transferable and replicable across New Jersey and the nation. It is important to use socio-ecological systems framework to connect social and natural sciences; which can identify solutions to complex challenges like heat exposure and find diverse partners to solve them. It is imperative to continue research and present findings to communities that suffer from environmental hazards, so they can make informed decisions about their health.

New Jersey Needs More Housing, and Municipalities are on the Front Lines

July 30th, 2024 by Chris Sturm

Without a safe, stable place to call home, how can people achieve any personal goals?” asked Department of Community Affairs (DCA) Commissioner Jacquelyn Suárez. Her opening remarks kicked off the session, “Housing: What’s Next in New Jersey?” at the 2024 NJ Planning and Redevelopment Conference. Suárez described the agency’s “housing first” model, including programs to facilitate home ownership, prevent homelessness and support walkable downtowns.

Four panelists joined Suárez to discuss solutions to the housing crisis, which affects people of all races and many incomes. Poverty is statewide, explained Peter Rosario, President and Chief Executive Officer at La Casa de Don Pedro, citing applications from mostly white families for free and reduced school lunches in suburban Toms River. But he added, “the biggest density problem in this state is single-family homes, which are weaponized against black and brown communities.”

“Traditional housing that is affordable is being priced out,” said Michele Delisfort, Principal and Managing Partner, Nishuane Group LLC, noting, “Even with a college degree, it’s difficult to afford a home.” Josh Bauer, Staff Attorney at the Fair Share Housing Center declared, “Affordable housing is a racial justice issue.” Stephen Santola, Executive Vice President and General Counsel, at Woodmont Properties asked, “The entry-level cape is getting knocked down and replaced by a larger home selling for so much more—Where are the mid-level people going to live?”

Some solutions will come soon—next June—from the municipalities that must adopt new plans to build affordable housing under the Mount. Laurel doctrine. A new law enacted earlier this year, A4/S50, streamlines and clarifies the process; it assigned tasks to DCA, which Commissioner Suárez described:

  • Issue non-binding affordable housing obligations for each municipality in October 2024.
  • Gather and publish more robust municipal data on Affordable Housing Trust Funds and the number and type of affordable units that have been constructed.
  • Develop criteria to streamline compliance and give municipalities more certainty.

She encouraged the audience to contact her office with concerns and suggestions.

Local officials face many challenges in siting affordable units. “How can communities plan and zone for affordable housing that advances smart growth while managing local opposition?,” asked moderator Chris Sturm, Policy Director for Land Use at New Jersey Future. Commissioner Suárez called for better communication. “People hate change, but elected officials need to have open conversations, and if they know the type of person who will live in affordable housing, it will help,” offering the example of a nurse who needs housing in the community where they provide healthcare. “Education is primary,” added Michele Delisfort, encouraging local leaders to explain redevelopment to stakeholders early and often and to get their feedback. She emphasized understanding the community, and compelling developers to deliver well-designed projects. Josh Bauers argued for a change in perceptions: “A four-story building will NOT detract from the property values of surrounding homes,” adding that people should view “multi-family” housing as “residential”. Steve Santola cited Princeton’s ordinance allowing Accessory Dwelling Units as a test case, which, if successful, could be a statewide remedy.

“People hate change, but elected officials need to have open conversations, and if they know the type of person who will live in affordable housing, it will help” –Department of Community Affairs Commissioner Suárez

All NJ municipalities urgently need practical tools to design and plan for housing. New housing should not only be affordable but climate resilient and in great neighborhoods where it’s easy to get around without a car and near parks and plazas. Panelists recommended:

  • State support to increase local capacity for public outreach and early investment in comprehensive planning.
  • Mandatory high-quality training for planning boards, in place of today’s lax program.
  • Best practice tools, such as FAQs on planning and redevelopment, “Density by Design – NJ Style”, and templates for hosting effective planning board and governing body meetings.
  • The ability to use more affordable housing trust fund monies for presentations and messaging, supported by revised DCA rules.
  • Timely technical assistance that reaches towns early, before they begin their lengthy schedule of monthly meetings.

Affordable housing success stories like the Taylor Vose inclusionary housing project in South Orange can help local officials envision solutions for their community. See New Jersey Future’s Smart Growth Award winners for more.

 

Audience members raised broader affordability concerns, like the role consumer debt plays in limiting access to credit. Commissioner Suárez highlighted the difficulty municipalities face in hiring employees like emergency medical service staff and inspectors who do not earn enough to afford to live where they work. Panelists recommended holistic approaches to making New Jersey affordable—like using regionalization to lower the cost of local government (Suárez ), working with banks and financial institutions (Delisfort), and changing rental and mortgage requirements to focus on on-time rental payments (Rosario).

When asked, “What’s next for housing in 2050?” speakers shared visions that can inspire residents and local leaders today:

  • More sustainable housing that relates to the environment, and communities that are better connected. -Michele Delisfort
  • Look to student housing to see what’s next. -Stephen Santola
  • Better public transportation. -Josh Baurs
  • Open air spaces, plazas, and walkability, like those found in other parts of the world. -Peter Rosario
  • Walkable, liveable places transformed from past industrial giants and malls. More community-centric places with multi-generational housing. -Commissioner Suárez

Chris Sturm closed the session by announcing that New Jersey Future and partners are launching a collaborative new initiative, Great Neighborhoods for All, which seeks to achieve visions like these because everyone in New Jersey deserves an affordable home in a community that’s a great place to live.

The Great Neighborhoods for All group is advancing three separate but interrelated initiatives:

  • Building a statewide movement of local campaigns that advance inclusive, well-planned, and well-designed housing projects.
  • Empowering local governments to solve pressing problems, such as addressing accelerating displacement of renters and meeting Mount Laurel Fourth Round deadlines with better planning for neighborhoods.
  • Changing state policy in the next eighteen months.

To learn more, email Chris Sturm  (csturmatnjfuturedotorg)   or Alesha Vega  (avegaatnjfuturedotorg)  .

Stormwater Pays No Mind to Municipal Borders—Why Should You?

July 30th, 2024 by Chris Sotiro

“Stormwater follows watershed boundaries, not political boundaries,” said Dr. Dan Van Abs, Professor at Rutgers University, during the 2024 New Jersey Planning & Redevelopment Conference (PRC). Many of New Jersey’s 564 municipalities grapple with flooding issues. For some, it is not uncommon for as little as three inches of rainfall to grind daily life to a halt. As average precipitation and severe weather events increase due to climate change, New Jersey will experience more frequent flooding. As the most densely populated and most developed state in the country, our flooding woes are amplified by the propensity for stormwater runoff to pollute sources of drinking water. In order to prevent chronic flooding and water quality impairments, municipalities must cooperate on a regional scale to improve their shared watersheds.

A panel of experts in the stormwater and watershed management spaces explored the benefits of a regional approach to watershed planning at the 2024 NJPRC, sponsored by New Jersey Future and the New Jersey chapter of the American Planning Association. The session “Save Money, Talk to Your Neighbors: The Case for Regional Watershed-Based Planning” featured Dan Van Abs, Professor of Professional Practice at Rutgers University, Jim Cosgrove, President of One Water Consulting, Lindsey Sigmund, Program Manager at New Jersey Future, Mike Pisauro, Policy Director at The Watershed Institute, Nicole Miller, Principal of MnM Consulting, and Tom Dallessio, Executive Director of the Musconetcong Watershed Association.

As Mike Pisauro of The Watershed Institute explained, a major component of the new Municipal Separate Storm Sewer System (MS4) Permits—applicable to every municipality across the state—is the development of a Watershed Improvement Plan (WIP). While it is important to identify avenues for reducing water quality impairments, municipalities are limited in their ability to holistically address the watershed they occupy. Whereas a municipality can be affected by poor watershed management upstream, it cannot enforce improvement projects outside of its own local borders.

New Jersey’s Watershed Management Areas (WMAs)

Some municipalities have simply been dealt a bad hand of cards, like Manville Borough, which sits at the bottom of the North and South Branch of the Raritan River. During Hurricane Ida ten inches of rain over a three-hour period led to a record-high 27.66-foot crest of the Raritan River, leaving some residents to experience flood waters reaching the second floor of their homes. “Manville can do the greatest job in the world with its Watershed Improvement Plan, but if they don’t incorporate what is going on upstream, there is no way they will solve flooding,” according to James Cosgrove of One Water Consulting. It is an unfortunate reality that the inaction of upstream communities often sets the stage for water quality impairments that are felt by downstream residents. Absent strong regional cooperation between municipalities throughout the entirety of the North and South Branch Raritan Watershed Management Area to take measures to capture and store excess stormwater, Manville will be on its own.

 

President Joe Biden tours a neighborhood in Manville Borough and talks with residents affected by the flooding caused by Hurricane Ida

 

Operating as 564 separate systems is both tedious and redundant when it comes to watershed planning. While some municipalities may not deal with severe flooding as frequently as others, all towns, and the state, benefit from a healthy watershed. Simple river restoration actions, like tree plantings, streambank support, and water quality testing can ensure that freshwater drinking water sources are protected from non-point source pollutants. Low-cost green infrastructure projects capture, store, and filter excess stormwater to prevent it from overwhelming roads and waterways.

The Watershed Improvement Plan (WIP) for each municipality entails three phases: a Watershed Inventory Report, a Watershed Assessment Report, and a final WIP Report. While each municipality must complete its own WIP, there are opportunities for collaboration throughout its multi-year development process. For example, municipalities can work together to complete outfall drainage area mapping, which often spans across local borders and may require assistance from external consultants. Also, holding public information sessions to relay findings from Watershed Assessment Reports would be incredibly more efficient if convened on a regional basis, in contrast to independent meetings with residents. An open dialogue is vital to the watershed improvement planning process. “We want to engage community representatives early in the process. Across the state, advocates are working on these exact kinds of solutions, and they may have the solutions already in play, but simply need to be connected with one another to create effective change,” according to Nicole Miller of MnM Consulting.

Regional collaboration has the capacity to effectively and efficiently improve flooding and water quality, foster relationships between municipalities, save time, and save costs for all parties involved. Local watershed associations are well-poised to facilitate regional conversations, as they are well-established groups that routinely work with municipal officials. Municipalities may lack the tools or expertise for regional watershed-based planning on their own, but as Tom Dallessio of the Musconetcong Watershed Association explains, “Our job as a watershed association is to work with communities to improve water quality… You can’t address issues like water quality without a plan in place.” As municipalities work to draft their Watershed Improvement Plans under the new MS4 Permits, they must pursue every opportunity to work across municipal borders and with local watershed organizations to pool resources and share knowledge to build a more resilient watershed in the face of exacerbated flooding and water quality impairments under climate change.

New Jersey’s Housing Landscape: The Mount Laurel Doctrine and the Search for the Missing Middle

July 30th, 2024 by Tim Evans

The rising costs of housing in New Jersey are affecting everyone, especially individuals and households at the lower end of the income spectrum. New Jersey’s unique Mount Laurel doctrine is meant to address the need for housing for lower-income households, but it also indirectly has a major effect on the supply of market-rate multi-family units in the process. The process by which towns satisfy their affordable housing obligations does not guarantee a full range of housing options for a full range of household types and incomes. The Mount Laurel requirements ought to serve as a prompt for towns to think holistically about their housing supply in general—how much and what types of housing will they need to accommodate the needs of future residents?

Panelists in the session “Knowing the Numbers: Housing Allocation, Patterns of Development and the Future of Housing” at the 2024 Planning and Redevelopment Conference discussed the current state of affairs in housing in New Jersey, for affordable housing and beyond. Moderator Creigh Rahenkamp, Principal of CRA, LLC, and Tim Evans, Research Director at New Jersey Future, gave background about the housing supply in general, and Katherine Payne, Director of Land Use, Fair Share Housing Center; Graham Petto, Principal, Topology; and David Kinsey, Partner, Kinsey & Hand talked about what to expect from the latest changes to the state’s system of incentivizing affordable housing. Panelists all agreed that the Mount Laurel system is necessary but not sufficient to provide the full range of housing options that New Jersey’s future population will need.

 “Mount Laurel” and Affordable Housing

The Mount Laurel doctrine refers to a series of New Jersey Supreme Court decisions that direct municipalities to provide their “fair share” of the regional need for low- and moderate-income housing. For many years, enforcement of the requirements was the responsibility of the Council on Affordable Housing (COAH), but the Council was effectively dissolved in 2015 when the Court deemed it ineffective and handed enforcement authority back to the judicial system. Payne cited her organization’s 2023 report Dismantling Exclusionary Zoning: New Jersey’s Blueprint for Overcoming Segregation to point out that the annual production of affordable units increased substantially after 2015 under the subsequent more rigorous court oversight. (She pointed out that the vast majority of affordable housing is produced in the form of multifamily housing.) The report also found that most of the overall growth in multifamily housing (primarily apartments) over the same time period has been achieved in inclusionary Mount Laurel projects, projects that contain both income-restricted and market-rate units, to the extent that 81% of all multifamily units built since 2015 were built in connection with the Mount Laurel process. Reinforcing this relationship, Evans cited data showing certificates of occupancy (COs) for multifamily housing rising in the post-COAH era (see Figure 1 ) to the point where multifamily units now account for more than half of all housing production. “This shift in permitting activity is being driven by Mount Laurel-associated re-zonings,” Payne said.

Production of multifamily housing has increased steadily in the post-COAH era. More than 4 out of 5 multifamily units built since 2015 are associated with Mount Laurel projects, either as affordable units or as market-rate units that are part of mixed-income projects.

 

Administration of the Mount Laurel process has recently undergone another significant change with the passage of new legislation, in the form of Assembly Bill 4/Senate Bill 50 this year. Among other things, the legislation sets up an oversight mechanism within the executive branch and directs the Department of Community Affairs to implement a methodology for determining municipal affordable housing obligations, based on three factors—income capacity, non-residential property valuation, and developable land. While the rules will take time to create, Petto said municipalities can and should get started now in preparing plans for compliance, including thinking about where in town the Mount Laurel units will be located and how to earn extra credit for certain types and locations. Kinsey mentioned that the legislation allows for bonus credits for such features as proximity to public transportation, special-needs or supportive housing, and redevelopment of a retail, office, or commercial site.

Redevelopment as the New Paradigm

Many new Mount Laurel units will be constructed in redevelopment areas, if the overall pattern of population growth in recent years is any indication. Evans showed that most of the state’s housing growth over the last decade and a half has been happening in already-built-out areas (see Figure 2 ).

Redevelopment is the new normal: An increasing share of New Jersey’s housing growth has been happening in already-built places.

It is clear that “built-out” does not necessarily mean “full,” and that redevelopment areas offer plenty of opportunities for municipalities to create more housing, both for Mount Laurel and market-rate. As such, the new legislation requires municipalities to develop plans for “conversion or redevelopment of unused or underutilized property, including existing structures if necessary, to assure the achievement of the municipality’s fair share” of affordable housing.

The “Missing Middle” Is Still Missing

Payne reminded listeners that the Mount Laurel doctrine originally arose when the New Jersey Supreme Court ruled that municipalities cannot practice “exclusionary zoning,” by which they effectively exclude lower-income households by writing their zoning codes to allow nothing but single-family detached homes, which are less affordable to households of modest means. Such zoning is still very common: “About 75% of land in major US cities is zoned exclusively for single-family housing, which has implications for access to opportunity,” Payne said.

While the Mount Laurel process was set up to ensure the provision of housing for lower-income households, it does not address other types of housing that are left out by exclusionary zoning and are thus in short supply. The wide array of housing options between single-family detached units on one end of the scale and large apartment buildings on the other are often called the “missing middle,” because many places simply don’t plan for them. This includes options like duplexes, triplexes, small apartment buildings, apartments above stores, and accessory dwelling units (ADUs), a category that itself includes small, separate units that are attached to or on the same property as a larger unit, like above-garage apartments or “in-law suites.” Evans illustrated how housing units in 2-, 3-, and 4-unit buildings have declined as a share of total housing units, from 30% of all units in 1950 to half that share as of 2021 (see Figure 3 ). Kinsey further noted that the number of units in structures with 2 to 4 units has actually decreased in absolute terms, dropping from about 514,000 in 1970 to about 490,000 in 2020.

“Missing middle” housing options in buildings with 2 to 4 units have declined dramatically since 1950 as a share of total housing units.

Another conference session, “We’re Missing Middle Housing in New Jersey: How to Fix It,” was devoted entirely to these missing options and strategies to bring them back. One of the speakers in that session, Karla Georges of the national American Planning Association, identified states where “missing middle” housing bills have passed, including Washington, Colorado (HB1316 and HB1175, and Arizona. Kinsey mentioned one modest New Jersey effort, bill S2347 currently being considered by the legislature, that would authorize ADUs statewide. Meanwhile, some New Jersey municipalities have legalized ADUs on their own, without waiting for statewide legislation.

In any event, while New Jersey is ahead of most of the rest of the country in having the Mount Laurel doctrine and its supporting legislation, this is insufficient as a mechanism for ensuring the production of a full range of housing types, without which people will continue to migrate out of New Jersey in search of cheaper options. As New Urbanist pioneer Peter Calthorpe has observed at the national level, “We cannot build this country on subsidized housing. We’re never going to get the end result. We have to create the context, the policies, and the zoning that make middle housing viable and located in the right locations.” New Jersey now needs to follow the lead of other states in exploring strategies to break the stranglehold of single-family zoning, so that households of all incomes can afford to call New Jersey home.

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