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AFDC affordable housing annual incomes area median income Baumohl become homeless cash assistance chemical dependency Congress decent housing disabled earning end homelessness Ernst and Young food stamps funding government benefits Health HOME homeless families homeless persons homeless population Homelessness in America hous households with annual housing affordability housing assistance housing costs housing policy housing subsidies Housing Tax Credit income for rent Income Housing Tax income quintile increase less LIHTC live liveable incomes low-income Americans low-income households low-income housing McKinney Homeless Assistance McKinney programs million minimum wage National Coalition Oryx Press pathologies permanent housing Phoenix poor families poverty line prevent homelessness public housing public housing authorities Quintile recent reduced rental housing risk of homelessness Section 8 certificates Section 8 program severe mental illnesses Sharon shelter subsidized housing targeting tax expenditures tenant-based tenants Urban waiting lists Washington DC welfare reform worker