California’s housing crisis remains one of the state’s most pressing challenges, with more than 45,000 shovel-ready affordable units stalled due to funding gaps. These units remain in limbo due to a $1.79 billion shortfall in state subsidies and a $574 million deficit in available tax credits. Many of these projects have already secured partial funding and federal tax credits, but without additional resources, progress has stalled — an issue made more urgent by recent state budget cuts to housing programs.  

At the heart of efforts to address this shortfall is the California Council for Affordable Housing (CCAH), a nonprofit organization dedicated to promoting, supporting and expanding affordable housing across the state. CCAH’s work extends far beyond legislative advocacy. The organization acts as a central hub for at-scale developers, builders and agencies, providing up-to-date information on housing policies, financing options and best practices. Through statewide conferences, seminars and specialized resources, CCAH equips its members with the knowledge and tools needed to navigate the complex landscape of affordable housing finance and regulation. By fostering collaboration between the public and private sectors, CCAH helps ensure quality, affordable homes are available to those who need them most.

In regions like Sacramento, CCAH members have helped expedite mixed-income developments and connect affordable housing to transit and community amenities. The organization’s commitment to practical, impactful solutions is evident in its support for projects that not only provide housing but also contribute to thriving, sustainable communities.

Despite these successes, the scale of California’s affordable housing deficit is daunting. Currently, the state is short almost 900,000 low-income housing rental units that are affordable to households earning less than or equal to 60% of AMI. That means that for every 100 low income renter households, there are just 44 units available that are affordable to them.

One of CCAH’s key legislative priorities this year is Senate Bill 686, which would allow affordable housing developers or owners to repay state loans early and reinvest that equity in new affordable housing projects. This policy would enable the recycling of existing funds, accelerating both development and preservation without requiring new state expenditures.

“SB 686 is a practical tool that allows us to maximize the impact of existing resources. …We estimate this simple change will free up hundreds of millions of dollars in loan repayments to HCD to be reinvested into affordable housing and that is something we desperately need.” — Jenna Abbott, Executive Director 

“SB 686 is a practical tool that allows us to maximize the impact of existing resources. It would free up developers’ ability to either preserve a project — which there are no specific funds allocated for — or to build another project. We estimate this simple change will free up hundreds of millions of dollars in loan repayments to HCD to be reinvested into affordable housing and that is something we desperately need,” says Jenna Abbott, executive director of CCAH.

However, the path forward is complicated by political and financial uncertainty. The current state budget proposal doesn’t include enough funding for key housing programs. State diversity and equity programs that specifically aim to mentor and provide resources to BIPOC developers are being scrutinized by the Federal government, and rising construction costs continue to squeeze developers and their capabilities. In this environment, CCAH’s role as a connector and advocate is more critical than ever, helping members adapt to shifting policies and find creative solutions to persistent challenges.

Abbott underscores the importance of community involvement. “It’s essential for Californians to use their voices to keep the issue of our affordable housing shortage in front of policymakers,” she says. “When people share their stories and concerns, it helps ensure that housing production remains a priority in the political agenda.”

Abbott stressed there are many ways to get involved. Californians can join local and statewide housing advocacy organizations, attend community meetings, contact their legislators and participate in campaigns for affordable housing funding. Sharing personal experiences with housing challenges acts as a powerful influence on decision-makers and keeps the spotlight on this urgent issue. By staying informed and engaged, CCAH and its members are shaping a future where safe, affordable housing is within reach for all.