Housing

Senator Smith knows that without a safe, affordable place to live, nothing else in your life works. Not your job, your health, your family, or your education.

All Minnesotans deserve access to safe, secure, and stable housing. That is why Sen. Smith is committed to addressing the housing crisis happening in Minnesota and across the country. In the Senate, Senator Smith is recognized as a leading voice in proposing policy solutions to fix the affordable housing crisis. She is the top Democrat on the Housing, Transportation and Community Development Subcommittee, and in that role has held numerous hearings and proposed many bills aimed at addressing homelessness, boosting the supply of housing, investing in rural and senior housing, eliminating health and safety hazards in homes, and fighting against private equity and other bad actors pushing up the cost of housing.

Sen. Smith understands that renters are struggling to find units they can afford, homeownership is increasingly out of reach, and homelessness is on the rise. Unstable housing upends young people’s ability to learn in school, makes it hard for parents to hold down jobs, and has long-lasting, negative mental and physical health impacts. 

While the lack of quality, affordable housing affects all communities, Black and Native individuals, other people of color in Minnesota, seniors, veterans and rural communities, often face disproportionately difficult housing challenges. As a member of the Senate Committee on Indian Affairs, Sen. Smith has been a champion for addressing the housing inequities that Native Americans and Tribal Nations face. In 2020, two of her bills related to Native housing became law: the Tribal Access to Homeless Assistance Act and the Native American Housing Affordability Act, which make it easier for Tribes to access funds to combat homelessness and secure mortgages on trust lands, respectively.

Sen. Smith believes it is important to both make improvements to existing programs and propose new, bold solutions. As a member of the Senate Committee on Banking, Housing and Urban Affairs, she has introduced legislation to improve fire safety in homes, support homebuyers in Native communities and address the legacy of housing discrimination. Her bipartisan Rural Housing Service Reform Act would make important updates to USDA’s housing programs and protect properties in Minnesota’s rural communities from losing their affordability. She co-leads the bipartisan Reducing Homelessness Through Program Reform Act that would cut red tape and streamline federal homelessness programs to help house people faster and more efficiently. Additionally, Sen. Smith’s Housing for All Veterans Act would permanently prevent and end veteran homelessness across the country. And her Homes Act would give millions of Americans the freedom and opportunity to build the life they want by creating over a million permanently affordable homes.

Senator Smith will continue to fight for measures like these until they become law because she believes everyone deserves a safe, affordable place to live.

Latest Releases

U.S. Senator Tina Smith Releases New Report on Solutions to the Home Insurance Crisis 

WASHINGTON – Today, U.S. Senator Tina Smith (D-MN), the lead Democrat on the Senate Housing Subcommittee, released a new report, Bold Solutions to the Home Insurance Crisis. It examines the nationwide crisis of rising home insurance costs, the role of climate-change-driven extreme weather events, and policy solutions that would tackle this affordability crisis.   Across the country, Americans are increasingly facing unaffordable home insurance bills or aren’t able to access coverage at all. Insurers have significantly increased their rates, pushing up home insurance premiums an average of 45% since 2019. Sixteen years ago, home insurance was much more affordable and cost only 5% of the typical monthly mortgage payment. But these costs have now more than doubled to more than 10% of a typical mortgage payment, even as mortgage costs have also surged.   Former Federal Reserve Chair Jerome Powell emphasized the risk we face in response to Sen. Smith’s questioning during a Senate Banking Committee hearing, saying that “If you fast-forward 10 or 15 years, there are going to be regions of the country where you can’t get a mortgage” due to insurance companies pulling out of high-risk areas.   Minnesotans have been particularly hit hard by rate increases. Last year, Minnesota home insurance rates increased 34%, which was the largest increase of any state, according to reports.  These problems, Sen. Smith argues, are driven by the growing strength and severity of disasters due to climate change and an insurance industry motivated more by profits than protecting its customers.    To address the problem, Sen. Smith lays out more than two dozen policy options that Washington can consider, ranging from those that lower physical risks for homeowners and communities, to wholesale alternatives to our current, private home insurance system.   You can read the full report HERE:   ·         Senator Smith’s opening letter here  ·         An executive summary here  “Owning a home has always been part of the American dream. But for too many families today, that dream feels further out of reach than ever before. Without affordable insurance, mortgages may become harder to get, home values

Smith, Klobuchar Urge HHS to Release LIHEAP Funding 

WASHINGTON — U.S. Senators Tina Smith and Amy Klobuchar (both D-MN) are urging the Department of Health and Human Services to release the remaining FY26 Low Income Home Energy Assistance Program (LIHEAP) funding available to all states, including Minnesota.  “We write to urge you to immediately release the remaining FY26 Low Income Home Energy Assistance Program (LIHEAP) funding available to all states, including Minnesota,” the Senators wrote. “LIHEAP is the main federal program that assists low-income households and seniors with their energy bills.” “In Minnesota it has helped over 100,000 households this winter, preventing over 17,000 disruptions,” the Senators continued. “As low-income families and seniors feel additional strains on their household budgets, the timely release of LIHEAP funds is crucial to ensure families do not need to choose between paying their energy bills and other essentials, like food or medicine. Particularly as parts of Minnesota are still seeing freezing temperatures, funding for our state is critical.” This letter follows a bipartisan letter that Klobuchar and Smith joined to Office of Management and Budget (OMB) Director Russ Vought, demanding that OMB release funding to all states.  The Low-Income Housing Energy Assistance Program (LIHEAP) provides families with payment assistance to help cover their home energy costs. LIHEAP can also be used to weatherize homes, making them more energy-efficient and mitigating energy emergencies during disasters and extreme weather. The full letter is available here and below.  Dear Secretary Kennedy:  We write to urge you to immediately release the remaining FY26 Low Income Home

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