Our State, Our Homes
Partnering to Address Affordable Housing Needs in North Carolina
An 18-month program to help communities develop capacity, analyze challenges, and implement strategies to address affordable housing and related issues in North Carolina
Launched by Carolina Across 100 with support from the Development Finance Initiative and other campus partners


Meet the “Our State, Our Homes” Community Collaboratives
Carolina Across 100 and The Development Finance Initiative are partnering with 14 teams from every region of North Carolina to address housing challenges. The selected teams are composed of business, civic, education, nonprofit, faith-based, and government entities from 22 counties across the state. Learn more about each team below.

Team 1: A Path to Home in Jackson
Jackson County
Team 2: Land of Sky Impact Alliance
Buncombe, Henderson, Madison, and Transylvania Counties
Team 3: Hendo4Housing
Henderson County
Team 4: WPCOG (Western Piedmont Council of Governments) Home BASE (Building Access for Strategic Expansion)
Alexander, Burke, Caldwell, and Catawba Counties
Team 5: High Country Thriving: A Home for Everyone
Ashe and Watauga Counties
Team 6: Roofs Over Rowan
Rowan County
- Carrol Fisher Construction Co.
- City of Salisbury
- F&M Bank
- Salisbury Community Development Corporation
- Town of Spencer
Team 7: Building Anson
Anson County
Team 8: Chatham County HEAL (Housing Empowerment and Action Lab)
Chatham County
Team 9: The Heart of Carolina
Lee County
Team 10: Sandhills Affordable Housing Collective
Cumberland, Harnett, and Sampson Counties
Team 11: Warren County Housing Coalition
Warren County
- Habitat for Humanity
- Kerr-Tar Regional Council of Governments
- Warren County Government
- Warren Ministries United
- Working Landscapes
Team 12: Jones County 4 Life (JC4L)
Jones County
- Carolina Statewide Development, LLC
- Jones County Government
- Town of Maysville
Team 13: Crystal Coast Housing Collaborative
Carteret County
- Beaufort Housing Authority
- Beaufort Housing Opportunities Foundation
- Carteret County Government
- Carteret County Public School Foundation
- Carteret Health Care Foundation
- Town of Cedar Point
Team Updates
Demand for this program was strong! Carolina Across 100 is committed to sharing program resources and findings to help all North Carolina communities benefit from the work of the Our State, Our Homes program. We will regularly update this page and the CX100 Stories page with learnings, updates, and resources!
-
January 16, 2025
Kickoff Webinar
Community leaders representing participating teams gathered online with Carolina Across 100 to kick off the Our State, Our Homes program!

-
February 18, 2025
Forum One
-
February 26, 2025
Webinar Two
As part of Carolina Engagement Week, “How to Use Data to Assess Local Housing Needs” featured Frank Muraca from the UNC Development Finance Initiative (DFI). Muraca walked attendees through publicly available datasets like Census data and HUD’s CHAS data, highlighting their strengths and limitations in assessing housing needs. He emphasized that data should be a starting point for community discussions, enriched by local context and lived experiences.
-
March 13, 2025
Webinar Three
Building on Forum 1, “What We Mean When We Talk About Affordable Housing” featured Sarah Odio from the UNC Development Finance Initiative (DFI). This pre-recorded webinar helps establish a shared language by unpacking key terms related to housing demand, the housing supply continuum, and the framework for discussing solutions. CX100 teams are encouraged to revisit this recording and the accompanying glossary as ongoing resources for local conversations and planning.
-
April 30, 2025
Webinar Four
“Collaborating for Impact: Lessons from Housing Coalitions” featured Vaughn Upshaw (UNC Gillings School of Global Public Health), Stephanie Watkins-Cruz (North Carolina Housing Coalition), and Liz Carbone (Cape Fear Housing Coalition). This webinar highlighted the possibilities and challenges of working across sectors and organizations to address housing needs. Speakers emphasized the importance of building trust, sustaining momentum, and engaging a wide range of stakeholders.
-
May 28-29, 2025
Forum Two
At their second in-person forum in Chapel Hill, teams explored the power of storytelling to shift housing narratives, began setting goals for their collaborations, and connected with housing organizations employing promising strategies across the state. The forum also introduced the first iteration of a Shared Measurement System to track progress across the cohort.
-
June 25, 2025
Webinar Five
Coordinating to Address Homelessness: Insights from State and Local Practice” featured Dr. Latonya Agard from the NC Coalition to End Homelessness and Shereá Burnett from Partners Ending Homelessness in Guilford County. In this webinar, speakers shared strategies for coordination across organizations and sectors, highlighted statewide tools, and offered actionable advice for strengthening local responses to homelessness.
-
July 16, 2025
Webinar Six
CX100 teams were invited to join this session on Manufactured Housing and the Power of Resident Ownership, the first webinar in the Drivers of Change series offered through Growing Practical Solutions for North Carolina (GPS NC). Angela Romeo from ROC USA and Marjory Gilsrud from the ROC Association shared their perspectives on the growing challenges facing manufactured housing communities and the potential of the resident ownership model to preserve affordability, prevent displacement, and build long-term community resilience.
-
August 21, 2025
Webinar Seven
-
September 3-4, 2025
Forum 3
The Our State, Our Homes community collaborative teams came together in Chapel Hill for their third forum to focus on local government tools and strategies, models of cross-sector partnerships for housing, and team action planning to move their work forward. All teams will continue to build on their momentum over the next few months as they implement their action plans and consider longer-term sustainability leading up to the fourth forum in December.
-
October 28, 2025
Webinar Eight
This webinar introduces the North Carolina Housing Finance Agency (NCHFA) which has financed over 321,000 homes and apartments totaling $34.4 billion by leveraging public investments with private funds. Learn more about producing affordable housing in partnership with local governments, nonprofit housing producers and for-profit developers.
North Carolina’s Housing Challenges
More than one million households in North Carolina are housing cost-burdened, spending more than 30% of their income on housing. This includes nearly one in five homeowners and almost half of the state’s renters. With limited supply, rising costs, and other issues, meeting local needs for safe, accessible, and affordable housing is a challenge for community leaders.
Meeting this challenge is critical for the state.

Economic Growth
North Carolina is the third-fastest growing state in the country, with more than 300,000 people moving from out-of-state each year. Access to affordable housing is critical to economic development; without a reliable, local workforce, communities may struggle to attract employers.
Household Prosperity
Rising housing costs leave North Carolinians with less money available to pay for other needs like food, transportation, childcare, and more. In 2022, the U.S. median “residual income” (amount a household has left over after housing costs) hit a record low of $310/month.
Health
The availability of safe, quality housing affects health outcomes. Public health experts say that your zip code, not your genetic code, is the most important predictor of long-term health.
Resources
Private Affordable Housing Development
- Local Government Support for Privately Owned Affordable Housing
- Conveying property to housing organization for low- and moderate-income homeownership
- Affordable Housing Powers for Local Governments – Chart
- How a North Carolina Local Government Can Operate a Land Bank for Redevelopment
- Using a Redevelopment Area to Attract Private Investment
Zoning and Land Use
- What Conditions Can Be Included in Conditional Zoning?
- Use of Development Agreements to Manage Large-Scale Development in NC
- A Primer on Inclusionary Zoning
- Meet the Granny Pod: Zoning Protection for Temporary Family Health Care Structures
- Can a Group Home be Zoned Out of the Neighborhood?
- Short-Term Rental Regulations after Schroeder
- Build-To-Rent Communities and Local Regulations in North Carolina
- Enforcement of Development Regulations
- A Few Thoughts on Community Appearance and Design Controls
Property Tax and Affordable Housing
- Taxation of Affordable Housing in Community Land Trusts
- Property Tax Exemptions and Community Economic Development
- Special Property Tax Rules for Affordable Housing
- Gentrification and Property Tax Relief
- Options for Expanding the Circuit Breaker Exclusion
- Government Property, Private Leases, and Property Taxes
- Appraising Residential Rental Property
Code Enforcement
- Nuisance Abatement and Local Governments: What a Mess and What a Mess – Part II
- Periodic Inspections, Permits, and Registration of Residential Rental Property: Changes in 2017
- ABA Vacant & Problem Properties – Ch. 1 Local Govt Powers (Fully Annotated)
- Housing Codes for Repair and Maintenance (E-book)
- Receivership: A New Tool for Addressing Vacant Problem Properties in North Carolina
- CCP report on addressing vacancy & abandonment in High Point, NC (2016)
- CCP report on addressing vacancy & abandonment in Winston-Salem, NC (2019)
Our Partners
Participating communities will benefit from the expertise of UNC faculty and staff who specialize in housing and related issues. The Development Finance Initiative will be our primary subject matter expert for this endeavor.
DFI is a program of the UNC School of Government that partners with local governments to attract private investment for transformative projects by providing specialized finance and development expertise. Since its founding in 2011, DFI has partnered with over 200 communities to attract investment for development projects that accomplish local goals. In addition to assisting communities with downtown revitalization, neighborhood development, historic adaptive reuse, and other locally defined interests, DFI has worked with urban, suburban, and rural communities to provide technical assistance related to the development of housing for low- and moderate-income households. DFI’s technical assistance includes housing needs assessments, tailored educational workshops, identification of sites appropriate for affordable housing development, and pre-development feasibility analysis, as well as assisting local governments with the recruitment and identification of qualified private development partners.
In addition to DFI, this program will engage other UNC faculty, staff, and students from Kenan-Flagler Business School, School of Medicine, School of Government, Dept. of City and Regional Planning, and more.



Dare County