Homes for the People Who Make This City Work

Teachers, nurses, and first responders shouldn't have to commute into the city they serve. For too many San Franciscans, the cost of living here has become disconnected from the wages of working here, and this measure is built to close that gap.

The Housing Trust Fund Renewal expands downpayment assistance so more of the workforce can actually own a home in the city they serve. Today, that assistance is limited to households earning up to 120% of the Area Median Income. This measure raises that limit to 200% of AMI, and lets the Board of Supervisors adjust it by ordinance going forward, reaching further into the middle class, including teachers, firefighters, and other first responders who currently earn too much to qualify but not nearly enough to buy in today's market.

The fund also provides rent assistance to help seniors and at-risk tenants stay in the homes and communities they've built over decades, rather than being pushed out by rising costs. That support extends to multigenerational households too, helping keep grandparents, parents, and kids under one roof instead of being split apart by an unaffordable market.

Beyond individual households, the measure protects the neighborhoods immigrant and working families built — the small businesses, cultural institutions, and community ties that take generations to build and disappear quickly once displacement sets in. It also supports safe, stable housing for people with disabilities and other vulnerable neighbors, and backs alternative ownership models like community land trusts and co-ops that preserve naturally occurring affordable housing before it's lost to the market.

This is what the Housing Trust Fund has always been for: making sure the people who make San Francisco work can actually afford to live in it.