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Harbor Village Project Highlights • The project is ready to apply for state funding, pending local contribution. This is a pre-requisite and affects when it will be funded and when construction can begin. • Consistent with City’s master plan, downtown work plan, and housing production plan for multi family affordable housing in downtown Gloucester • Helps Gloucester get closer the 10% affordable housing requirement from the state • Provides real estate tax revenue 3 times greater than what is now, being generated by the property • Gloucester resident and veterans preferences are being requested

Why does Gloucester Need Affordable Housing?

Affordable housing is one of Gloucester’s top two community needs Gloucester is currently only at

Nearly 1/3 of all Gloucester households are considered cost burdened

7.2% affordability, 2.8% short of the State’s

requirement of 10%

* According to 2011 and 2014 Action, Inc. community needs assessments, 2015-2019 City of Gloucester Consolidated Plan, the Housing Needs Assessment, the Gloucester Housing Authority

The current wait time for family housing at the Gloucester Housing Authority is 4 years, with 800 qualified applicants state-wide in line for a Gloucester housing voucher.

Since 2011, 50% of Gloucester households increased in need for housing assistance

28.4% of Gloucester

households are considered cost burdened with 15% of these households extremely cost burdened



Development Goals Create high quality affordable housing to meet the needs of Gloucester families

Design + build a beautiful, high quality building that enhances downtown Gloucester Help Gloucester meet its affordable housing goals by bringing the City 30 units closer to achieving its 10% affordability threshold Help knit together the east and west areas of Gloucester’s historic Main Street

Generate additional revenue for the City in the form of real estate taxes paid by the property

Design Concept


Ground Floor

Second Floor

Timeline Summer 2015

June 2016

Community & Conceptual design process

Winter 2017

Winter 2018

State Funding Application Round 1

Secured Zoning Permit

Summer Spring Summer Fall 2020 2018 (Est.) 2019 (Est.) 2020 (Est.) (Est.)

Secure Funding Commitments

State Funding Application Found 2

Construction Completion

Construction Start

Lease up of Harbor Village

3 Community meetings with 50-100 attendees at each

Mailings to over 200 Downtown Gloucester residents Continuous community updates through social media and traditional media Many small meetings with immediate abutters, main street business owners and key city leadership and staff

Outreach Efforts

Design Changes Made Based on Community Feedback Decreased total units from 33 to 30

Setback 4th floor on Elm Street and significantly further back on Main Street

Added brick faรงade on front and side of building Increased number of parking spaces from 26 to 30

Added 2nd floor deck to provide outdoor space for tenants Changed window style to reflect historic Gloucester Main Street

Designed storefronts to reflect historic Gloucester Main Street

Design Changes Made Based on Community Feedback, Continued

Added art installation to rear faรงade of building Pulled back the corner at the ground level to improve visibility between Main Street and Elm Street and create better line of sight and pedestrian friendly street corner

Tucked the parking behind and under the building to maintain an active and safe street edge Changed unit mix to provide more one bedrooms and fewer 2 and 3 bedrooms Redesigned retail space square footage to reflect need on Main Street

Frequently Asked Questions

EXAMPLES OFof ELIGIBLE FAMILIES Examples Eligible Families Single adult Retail Clerk

$20,800/year $10/hr FT

Family of four with two children Restaurant Manager Whale-watch Guide



$20/hr FT $41,600/year $12/hr PT (25 hrs) $15,600/year

Single parent with one child


Teacher’s Aide


Salaried FT

Single parent with two children


Construction Worker


$24/hr FT

Gloucester’s Area Median Income Limits Household Size

Income Limits

1 Person

2 Person

3 Person

4 Person

5 Person

30% AMI

$20,650 $23,600 $26,550 $29,450 $31,850

50% AMI

$34,350 $39,250 $44,150 $49,050 $53,000

60% AMI

$41,220 $47,100 $52,980 $58,860 $63,600


$68,700 $78,500 $88,300 $98,100 $106,000

Proposed Monthly Rents Based on Area Median Income (AMI) 1 Bedroom

2 Bedroom

3 Bedroom

30% AMI




50% AMI




60% AMI




Fair Market Rent




About Us Action Inc. aims to improve the lives of disadvantaged individuals and families on Cape Ann and beyond by minimizing the effects of poverty, promoting economic security, and advocating for social change. Community Partner • Gloucester based non-profit organization serving Cape Ann for 50 years • Provides services to over 7,000 Cape Ann residents every year • Works together with others to meet the needs of community residents Large Local Employer • Employer of 162 people • Provides good local jobs Established Property Owner • Owns downtown Main Street commercial property as well as another commercial property and several other residential properties

About Us

North Shore CDC invests in neighborhoods to create thriving communities. We envision a North Shore where every neighborhood is one of choice and opportunity. North Shore CDC is an experienced, non-profit affordable housing developer and owner based in Salem. With over 40 years of development experience, we have created nearly 400 apartments for low-income families and individuals on the North Shore.

Contact Us North Shore CDC Ilene Vogel Senior Projet Manager 978-219-5088

Action Inc. Peggy Hegarty-Steck Executive Director 978-282-1000, ext. 101

Revitalizing Gloucester  

North Shore CDC & Action Inc. are teaming up to bring more affordable housing to Gloucester, MA!

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