Housing Challenges & Opportunities in Our Region

Crystal Welsh, Senior Urban Planner

Chris Godlewski, Senior Urban Planner

Many communities are faced with what can feel like insurmountable odds when attempting to address a lack of affordable housing options for residents at all income levels. The issue can be complicated when policies and processes unintentionally exacerbate the already high costs and long construction timeline for residential projects. For many of our partner communities, working with a professional planning team can help define their housing needs and provide a roadmap for making progress toward resolving this shortage.

How Local Zoning Ordinances and Plans Can Be A Tool to Help Alleviate Your Housing Issues

Based on a community’s character and vision for the future, some modifications to local regulations, policies, and processes can help to incentivize and spur the production of additional housing units. If your community has not reviewed and evaluated your zoning ordinances and policies recently, a thorough examination of the document to determine if it still serves your community may be in order. If your ordinance has not been updated in several years – or decades – there may be a chance that it no longer fits the community’s current needs or development trends.

Updating your zoning ordinances can be a great way for planners to help communities reevaluate their priorities, character, and vision for their future. A zoning ordinance is designed to set the standard for development in each zoning district, and that can change over time. For this reason, it is very important to look at your zoning ordinance on a regular basis to ensure it is still serving your community. Some common elements you may want to review are:

  • Regularly requested variances
  • Use of Planned Unit Developments (PUDs)
  • Current density standards by zoning district
  • If housing in a variety of housing styles and types are allowed by right in residential districts

Ways your community’s plans and policies can help address housing demand

  • Create a Master (Michigan) / Comprehensive (Indiana) Plan if you don’t already have one.
  • Build a schedule to regularly (annually) review and update any plans you have in place.
  • Update your zoning ordinances and associated policies.
  • Conduct a Housing Needs Assessment.

Identify regularly requested variances

Updating your ordinance to eliminate the need for common variances can address some of the barriers to providing housing. If a community regularly receives and approves requests for variances from development standards, it could be an indicator that those standards do not meet current demands or development patterns. The variance process is important as it provides a property owner with a mechanism to request to vary from the development standard due to an issue or constraint particular to their property. But if the same issue is not particular to a property and is instead a community norm, the standard might need to be revisited.

Common variances requested for housing projects include minimum lot size, lot frontage, and setbacks. Communities often grant these variances as the lots in many of their older neighborhoods would be unbuildable without them. If that is the case, then why is the standard there at all? The additional time and cost associated with the variance process, even if granted, can have a stifling effect on housing production, particularly on infill housing projects that are key to sustaining a community’s core neighborhoods.

We ask communities to consider, “What kind of variances are you frequently getting requests for? Those instances are great indicators that your ordinances may be out of sync with your community’s current development patterns and goals. The end goal is an ordinance that speaks to the community’s larger goals, but also to its day-to-day, real life usage.

Review use of Planned Unit Developments

Another good indication that your zoning ordinance might be out of balance is the use of Planned Unit Developments, or PUDs, to allow for mixed-use neighborhoods. Mixed-use neighborhoods – where residential, commercial, and sometimes industrial uses were all developed together –were the norm when many communities were established and have again become very desirable.

PUDs can be a very useful tool to promote mixed-use housing developments, as they allow for flexibility in the zoning ordinance standards by working with the local government to develop criteria that will determine project-specific building guidelines. To allow for this flexibility, a public approval process is required to ensure the community supports the changes to the development standards. This process can add time to the development schedule and costs to a project. If your community is frequently approving mixed-use projects through a PUD process, this is another solid indication that it might be time to review the ordinance to allow these types of developments by right.

Allow for density

Whether a housing unit is single-family or multi-family, owner or renter, generally speaking, a higher density can lead to a reduction in per unit cost. Adopting a higher density threshold (allowing more residential units per acre) can lead to a lower per unit cost of housing by reducing:

  • Acres of land needed, thus the cost for land acquisition per unit.
  • Linear feet of infrastructure (water, sewer, energy, telecommunication lines, roads) which saves material, labor, and maintenance costs.

It is important for a community to think about what type of density will feel natural for their location. A reasonable density in a large city would not be appropriate for a small town. A community can look to its historical neighborhoods and downtown to help gauge what would be authentic for them. By using your community’s traditional neighborhood lot size as a guide for appropriate density, you can reinforce your local character. In addition, if your zoning ordinance permits density that is consistent with your existing neighborhoods, you can help to reduce the need for developmental variances that can discourage infill housing projects.

Promote diversity in your housing stock

Regulations in many mid- and small-sized communities create a preference for larger, single-family detached residences. The costs associated with developing large single-family detached homes can be significantly greater than that of smaller single-family detached, single-family attached, or multi-family residential units.

Your zoning ordinance may be impacting housing availability by utilizing residential districts that:

  • Limit significant portions of your community to single-family detached styles;
  • Establish minimum unit size requirements that are not consistent with current demand for smaller living spaces;
  • Do not allow for a mix of housing types (attached, detached, multi-family) in the same neighborhood; and/or
  • Do not allow for neighborhood-based commercial uses in residential neighborhoods.

A variety of housing types can better serve your community, as not all residents have the same personal preferences, financial resources, or physical abilities. Mixing housing styles, sizes, price points, and ownership can create more aesthetically pleasing and diverse neighborhoods, creating opportunities for households with different needs to live in the same neighborhood. By allowing for a broader range of housing types along with limited commercial, communities can promote more diverse, walkable, and livable neighborhoods.

By reviewing and updating your zoning ordinance to allow for and promote the type of development desired, you can spur residential development in a manner that is consistent with your current goals and community’s character.

To learn more about our planning discipline, contact Crystal Welsh, Senior Urban Planner, at cwelsh@abonmarche.com.

The Abonmarche Planning Department | A Guide to Understanding The Planning Discipline

The Abonmarche Planning Department works with our partner communities to provide technical assistance and creative solutions to community needs. We do this by working with local stakeholders to develop strategies and plans based on a community’s unique character and assets, commonly referred to as place-based planning. This process combines public sentiment, data, and best practices to design plans that promote appropriate growth and development for each community individually based on their strengths and aspirations for the future. Here, we invite you to learn more about the Abonmarche approach to planning.

What Do Our Planners Do?

Our Planning Department is dedicated to working closely with local stakeholders to shape the present and future in our partner communities by assisting them to develop community-driven strategies for growth and development, from vision-setting to implementation. We work in partnership with our clients to discover, document, and create actionable strategies for success based on the unique needs and aspirations of each community’s residents, businesses, and the environment. We also work with public and private developers, navigating the planning and zoning processes to ensure compliance.

We work with communities to provide the following:

  • Master/Comprehensive Planning: Develop long-term, strategic plans that envision the future they desire, focusing on land use, transportation, infrastructure, and economic development.
  • Area/Neighborhoods Planning: Design creative solutions and strategies for a distinct area of a community such as a corridor or neighborhood allowing for an in-depth analysis.
  • Zoning and Land Use Compliance: Implement zoning ordinances and land use regulations to ensure orderly development, protect natural resources, and create harmonious neighborhoods.
  • Development Review: Evaluate proposed projects to ensure they align with existing plans, zoning codes, and community interests – balancing progress with preservation.
  • Public Engagement: Facilitate stakeholder engagement and outreach to ensure that the voices and concerns of the people who live and work in our partner communities are heard and integrated into planning decisions.
  • Environmental Sustainability: Incorporate environmentally friendly practices into planning strategies to foster a resilient and ecologically balanced community.
  • Infrastructure Planning: Ensure that a community’s infrastructure, such as transportation networks and utilities, keeps pace with growth and development.

How Do Our Planners Work?

Our team applies sound planning principles and tools to each project we are a part of. Depending on the project goals, solutions can include:

  1. Public Input and Participation: Public engagement is at the heart of our process. We facilitate community meetings, workshops, surveys, and online platforms to gather feedback and ensure inclusivity in our planning recommendations.
  2. Research and Data Analysis: We start by gathering and analyzing data on demographics, land use patterns, economic trends, and environmental factors. This data-driven approach forms the foundation of our planning recommendations.
  3. Collaboration: Our team collaborates closely with various stakeholders, including local government officials, community members, businesses, and other departments. Building partnerships ensures a holistic understanding of community needs and aspirations.
  4. Long-Term Visioning: We collaborate with our partner communities to craft long-term visions through master planning, considering projected population growth, economic development opportunities, and environmental sustainability.
  5. Zoning and Regulation: Applying meticulous zoning regulations and land use policies, we aim to strike a balance between encouraging growth and safeguarding the unique character of our communities.

Common Questions and Answers

1. How can urban planning impact a community?

Urban planning plays a crucial role in creating vibrant, equitable, and sustainable communities. It helps facilitate growth, manage urban sprawl, preserve green spaces, and improve infrastructure – in a manner consistent with a community’s character and goals while contributing to a higher quality of life for residents.

2. How can I get involved in the planning process?

We encourage community members to actively participate in the planning process. They can attend public meetings, provide feedback during public comment periods, and engage with us through our online platforms to have their voices heard.

3. How does zoning impact my property?

A zoning ordinance is a locally adopted document that regulates how land is used and creates standards for the way it can be developed. Understanding the zoning designation of your property can help you determine what types of projects are feasible on your land.

The Abonmarche Planning Department serves as the driving force behind the responsible growth and development of our partner communities. Through collaboration, research, and public engagement, we strive to create a sustainable and inclusive future for all. We hope this glimpse into the world of planning has shed light on the impact planning can have on your community and encourages you to be an active participant in shaping the community we envision together.

Reach out to our Planning team with questions or ideas your community is coming across – we are here to listen, learn, and grow, hand in hand with our vibrant partner communities. Contact Crystal Welsh, Senior Urban Planner, at cwelsh@abonmarche.com.

Abonmarche Brings Community Crossings Grant to Northern Indiana

The Community Crossings Matching Grant program is part of Indiana Governor Eric J. Holcomb’s Next Level Roads program, a 20-year, fully funded plan to enhance Indiana’s highways and local roads by awarding communities grants for shovel-ready local road construction projects.

Over the last five years, Indiana has awarded more than $830 million in matching funds to support local road and bridge projects around Indiana.

Abonmarche has been instrumental in helping several communities secure grant funding for local road projects, and it is our goal to bring this grant and its benefits to more of the Northern Indiana communities we serve – helping cities, towns and counties complete additional projects in their jurisdiction to spur community growth and development.

Projects eligible for funding through Community Crossings include road resurfacing, bridge rehabilitation, road reconstruction, small structure replacements, and Americans with Disabilities Act (ADA) compliance in connection with road projects. Material costs for chip sealing and crack filling operations are also eligible for funds.

While this grant presents great opportunities to Hoosier communities, it also presents many hurdles to those who want to apply.


The grant application and management process can be overwhelming for municipalities of any size, but particularly those communities on the smaller side. Community leaders are trying to balance budgets and staffing limits with the need for supplying added value, community improvements, and future planning.

Each project submitted to the Indiana Department of Transportation (INDOT) for funding is carefully evaluated based on need, traffic volume, local support, the impact on connectivity and mobility within the community, and regional economic significance, noted INDOT in a January 2021 news release. The hoops municipalities need to jump through are significant, but hiring a full-service firm like Abonmarche can make grants like Community Crossings attainable.

“We’ve become very well-versed in how the grant works because we started working with it as soon as INDOT released it in 2016 and have continued non-stop every call for projects that has occurred,” says Matt Keiser, Project Manager at Abonmarche Valparaiso. “As the grant and its administration has evolved, we’ve modified our processes to embrace these modifications with our community leaders.  We’ve found that working directly with the Public Works Directors and Clerk-Treasurers, we can properly manage all of the complex moving parts and timeframes involved within the confines of the grant requirements.”


  • Community Crossings is open to all towns, cities, and county government units in the State of Indiana.
  • The Community Crossings grant gives approximately $160 million/year, and there are many communities who have lost out, by being unprepared or unresponsive to the grant deadlines.
  • To be eligible for the Community Crossings grant, a municipality must reassess their roadways every two years and update their Pavement Asset Management Plan every year.
  • Matching funds range from 50 to 75% depending on the size of the community.
  • INDOT calls for Community Crossings projects twice each year.
  • The next call for projects is planned to be in July of 2021.

For smaller entities that don’t have the funds and/or staffing, the Community Crossings Matching Grant can be a huge undertaking to try to accomplish in-house. 

“This grant gives you the ability to bring tangible improvements to your community, while staying focused on all of the day-to-day work involved in keeping your community on track and running smoothly”, Keiser notes. “Working with our firm on this grant can save valuable time and resources, taking the minutiae off the backs of everyone from superintendents to road commissioners and public works staff so that they can focus on their everyday work.”

Because the grant process is so involved for Community Crossings, we have touchpoints with our clients throughout the entire year, keeping them up-to-date on progress, upcoming deadlines, and getting the grant off the ground and running in their project.


Since an INDOT/LTAP approved Pavement Asset Management Plan is required, Abonmarche completes a field assessment of every road segment, utilizing the PASER Rating System. When the assessment is complete, we analyze the results and create a comprehensive Pavement Asset Management Plan, based on the required elements to qualify for the grant.

Abonmarche then can offer assistance in the selection of the projects to be submitted for grant application. After the project list is finalized, our team helps prepares the grant application along with all of the necessary documentation required for submittal.

Once grant funding is awarded, Abonmarche creates the plans, specifications, and bid documents to secure pricing meeting the States requirements for Public purchasing. For many of our clients, we have also provided construction management services for the duration of the projects to ensure the projects are built to the design standards and the grant application.

“Our fees are stable, and our clients know how much our fees will be for their next years of planning,” Keiser says. “There’s a layer of transparency we build into our process that helps these communities plan for the future in a way that they might not otherwise be able to. That element of planning ahead, and knowing which roads need work ahead of time, is invaluable.”

For more information about how Abonmarche can help bring Community Crossings grant funding to your area, contact Matt Keiser at (219) 246-4195 or at mkeiser@abonmarche.com.

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