Boston - Memo

Creating Balanced Communities:
Lessons in Affordability from
Five Affluent Boston Suburbs
B
Produced by:
Business and Professional People
for the Public Interest (BPI)
25 East Washington, Suite 1515
Chicago, IL 60602
u(312) 641-5570
February 2005
$FNQRZOHGJPHQWV
%3,LVJUDWHIXOWRWKH)DQQLH0DH)RXQGDWLRQ*UDQG9LFWRULD)RXQGDWLRQ7KH-RKQ'DQG&DWKHULQH7
0DF$UWKXU)RXQGDWLRQDQG:RRGV)XQGRI&KLFDJRIRUWKHLUJHQHURXVVXSSRUWRI%3,¶V5HJLRQDO
$IIRUGDEOH+RXVLQJ,QLWLDWLYHZKLFKVHHNVWRLQFUHDVHWKH&KLFDJRUHJLRQ¶VVXSSO\RIDIIRUGDEOHKRXVLQJ
IRUORZWRPRGHUDWHLQFRPHUHVLGHQWV
$XWKRU
6XVDQQDK/HYLQH
(GLWRUV
1LFN%UXQLFN-HVVLFD:HEVWHU
)RXQGHGLQ%3,LVDSXEOLFLQWHUHVWODZDQGSROLF\FHQWHUGHGLFDWHGWRHTXDOMXVWLFH
DQGWRHQKDQFLQJWKHTXDOLW\DQGHTXLW\RIOLIHIRUDOOSHRSOHOLYLQJLQWKH&KLFDJRUHJLRQ
%3,
(DVW:DVKLQJWRQ6W
6XLWH
&KLFDJR,/
ZZZESLFKLFDJRRUJ
&RYHU3KRWRV*UHHQZRRG0HDGRZV'HYHORSPHQW$QGRYHU0DVVDFKXVHWWV
%DWWOH5RDG)DUP'HYHORSPHQW/LQFROQ0DVVDFKXVHWWV
! " "
#
!
" "
! "
"
#
$
%
&'
"
#
(
#
'
"
!
!
#
)
)!
#
#
#
*
+
,
*
# 0
/
! -
. #
!
#
1
*
0
*
!
3
4
!
)
+
"
5
# !
#
2
!
" "
*
#
$
2
!
!
*
67
+
!
!
!
!
#
" "
:
#
,
:,
66
/
!
,
,
"
"
#
-
*
"
)
:-
-
.
/
!
9
+ !
;,' <
"
"
&' =
>
53
"
*
+
+
$
#
3 4
"
"
2
/
"
"
3 4
"
2
$
#
,
!
!
8
#
" "
+
"
!
'
!
+
!
# # %
!
###
,
"
#
!
# %
/
!
! #
#
!
! -
!
*
*
#
"
#
2
#
"
#
!
/
#
!
2
"
!
!
# !
'
"
#
4"
!
!
# %
0
" "
!
#
%&
'
!
! "
!
%
)
" "
B
"
?
! ?55
"
*
#
!
;
!
<A
!
"
!
! . #
%
#
!
*
$
-
! )
4
.
,
,
C
+7
;'0 ,
'
!
#
# %
B
73
!
3
% #
*
+
!
)
E
A@
*
"
,
=
4
+
! -
*
0
;+ <
5 3
;?+
5
"
%
%
!
!
!:"
"
/
$
,
-
!
*
$
"
!
*
!
! "
>
'
!
*
!
-
"
B
+
"
,
1
,
G/ # ,
!
#
;
!
<
H#
!
/ # ,
+
+
%
+
2
"
"
#
. #
#
:F
!
,
"
4" 2
"
+ *
!
%
A
@
#
!
!
(::
7
E
"
%
"
$
+< 7 =
,
@
# "
/
"
"
5
#
!
!
"
"
%
2
%
#
3
!
%
(
53
?6@ AA
?556
, . #
! )
"
C
#
<
$
4
D
5
;)
<
" &
!
%
$
;)
-
-
<
#
!
2
@
%
E
!
# !
"
#
"
!
/
#
#
$
$
*
I
#
#
"
"
"
#
"
&
#
"
A 3
@ 3
,
,
6
$
; 53<
"
? 66
#
/
#
!
?A
,
+
"
#
4
"
#
"
%
"
"
+
'4
!
%
I
; +< #
!
*
,
!
"
"
# "
@
!
#
#
#
"
#
0
"
"
&
*
#
!
0
0
+'
0
"
,
-
$
2
.
+
4" 2
"
,
"
/
!
4
-
#
!
!
!
/
'
' 01 /
;J
-
!
!
!
<
!
"
"
2
!
!
'
!
/
# %
"
#
/
-
(
# %#
!
%
'
2
2
,$ #
$"
! ##
?+6 A
!
#
'
=
# "
6
!
#
.
66
*
.
/
!
!
/
"
0
#
"
!
"
'
'
!
+
@ 3
*
,$ #
5
"
?AA 5
"
+ A 3
+
3
;- ,&<
!
2 * 43
!
+
51
#
,
! ) 2
"
;- , < 53
"
#
0
!
,4
/
#
1
4
&
" #
"
!
!
# %
*
>
•
•
2
/
#
4
2
"
"
(
"
4
;
"
%
4
" <
•
•
E
&
"
/
>
!
%&
"
'
$
.
,
,
@ 5A
+ 7
$
;) <
?@@ @6+
;) <
?675
C
" &
, . #
63
;'0 ,
'
-
<
C
?675
.
?6
" "
.
)
!
K
"
$
!
#
$
"
"
5
#
.
!
!
A
"
"
.
!
B
#
!
/ #
.
5
$"
A
/
! !
,
+
!
"
(
7 +
7@
,
!
!
'
'
!
J$$$
J$$$
*
! *
! *
> '
!
-
"
(
" "
#
,
3
(::
!
!:
:
!
!
,
3
$
#
"
>
"
!
"
#
"
A
$
!
3
6
7
>
4
!
#
/
#
/ #
!
6@
+
J
!
#
7
!
>
?A5
>
"
!
" #
2
+ 3
.
/
0
%
%
? 5
"
!
!
!
"
!
!
!
"
!
.
"
/
!
.
#
B
/
!
!
0
"
/
# "
%
/
+'
)
"
?
6@
"
?@A
/
? 76 5
# "
?
"
65
"
"
"
,
-
.
.
0
"
#
!
8
;
!
0
%.
$ ,
!
J
@
'
/ # ,
#
++ .
1
!
!
!
) 2
<
3
5 3
#
7
!
/ # ,
2
!
2
#
7
"
#
"
!
!
"
@
! "
B
$ $
-' &
!
!
'
53
4 / 51 6 $
2/
4
.
"
"
.
.
!
!
!
!
3
-'
# %
7
!
% /
.
>
!
2
"
.
=
>
"
""
7
C
=,E
=,E
,
/
.
>
.
7
%.
B
.
#
.
"
!
!
#
"
!
(
•
4 "
•
•
2
#
4
*-
%&
!
$
'
.
,
,
0
#
"
!
*
#
4
!
"
?
.%
"
#
"
!
-
&
*
*
*
!
*
/
*
#
!
!
;*- <
!
!
"
"
.
-
4"
#
>
4
#
3
#
/
*-
#
#
4
4
!
3
7 3
! ##
,
*
!
/ # # $
,
!
!
, %C
"
%&
",
@
"
# )
!
#
-
# %
%#
+
,
%
# %
$
$
/
" &
7
!
6
$
;)
-
!
!
#
*
'
A 66
+6
;) < ? 7
<
?A56
@
, . # 53
<
*
#
?A56
*
;'0 ,
' $
"
+
(
))
'
2
*
)
)
/
#
!
!
(,
E
%
!
#
!
#
/
/
B
#
E
"
!
*
!
*
%#
-
!
!
"
!
# )
!
#
#
"
/
"
"
!
/
@ 3
,
#
*
$
$
+
!
/#
*
*
;
$
)
3
"
"
#
#
/
#
!
"
3
,
+ 3
"
#
!
%
# %
*
#
!
0
,
#
!
<
,
*
6
+
/
2
#
!
*
+
*
!
4"
+'
"
3
,
*
%
;-
!
!
+ 3
#
/
"
"
#
/
@@
?6+ 5
!
#
!
-
!
-
!
2
#
"
"
<
!
"
!
*
; * <
#
!
*
!
#
) 2
&
4
"
"
/
"
!
"
!
"
!
26
26 ' (*
#
4
0
/ #
$"
*
-
-
-
L
+
6
"
G"
H
2/
!
"
"
1 *
#
# 4"
+ /
!
,
-
/
/
!
'
!
,
53
4
!
7
1/
!
"
!
0
/
!
+
!
%&
/
"
/ *
>
"
"
? 5
*
$
>
'
!
$
.
,
,
;'0 ,
'
$
;)
-
-
<
;)
<
<
" &
, . #
!
!
55
A+
? @ 6+7
?A 5
C
73
*
!
"
73
+
"
/
2
!
0
. 4
%
!
. 4
. 4
!
/ #
. 4
!
%
"
)
2
2
#
'
/
!
2
(
#
5
C
. 4
!
!
!
"
"
"
" *+,( $
. 4
;. 4
)
2
<
. 4
. 4
"
. 4
! <
. 4
!
!
!
"
!
) *
. 4
"
! -
#
( +
!
!
+
$"
. 4
. 4
)
"
;
%
"
"
"
"
"
;
#
#
K
?
5
#
/
"
?A
. 4
,
"
#
#
. 4
<
#
. 4
. 4
"
/
4
"
# %
##
2
0
. 4
!
0
"
,
!
-
•
& 99 2
*
•
•
•
!
7
•
•
* 2!
•
•
: '
6
!"
$
%
&
)%
'
;'0 ,
'
$
;)
-
-
<
"
(
'
%
"
,
'
# - ./ ///
#
+
%
!
- /// ///
& %
$
&
$
'
/
$
-
'
# *!
'
$
0
%&
.
,
,
##
565
7+
;) <
?6@ 67+
<
?+@6
5
C
, . #
+ 53
A
3" #
66
?+@6
/
#
?6@ 67+
# !
!
"
!
(
•
!
#
#
0
•
•
4
%
#
-'
/
A
6
J
/
/ #
*
4
4
#
B
"
#
"
-
-
-
#
'
"
4
4
#
@ 3
/#
,
"
4
4
"
#
$
;?AA 5
? 5
B
!
4
;
?65
#
"
%
/
+
G
7
#
) .
#
0
$
! 2
+
!
< #
K
"
@
"
/
"
!
*
,
#
#
4
#
!
#
!
.%
J
*
$
! /
/ # ,
/
,
$
/
!
) .
@ 3
+'
"
2/
-
*
"
+<
#
#
!
"
/
&
H
"
,
-
2 "
,
# #
#
+
+
"
5
.
#
%
!
!
!
!
3
4
!
-'
,
2
/
-
"
"
#
"
!
4#
!
!
%/
/
#
66+
!
"
"
!
!
/
"
!
-'
,
/
'
!
,
#
"
"
!
3
!
"
" !
@
-
;
3
#
#
.%
"
!
"
# %
#
%
!
"
"
3
=
) I
B
#
"
@ 3
*
"
"
) 2
5 3
"B
%
-
7
' 01 /
#
-
L
0
#
<
"
"
"
/
"
"
"
) 2
0
"
-'
#
C
7
=,E
=,E
•
7
"
•
4
(
'
##
" *-
B
%
#
"
"
!
,
#
•
•
•
'
1
3
$
##
(
•
'
$
'$
"
"
$
0
2
3
•
'
2>
!
6
$
$
#
2
$
"
!
"
1/
=
!
#
!
2;8 * / <
,
"
6
2##
'&
'
''
$
"
"
•
'
"
%
"
"
#
0
"
#
•
3
%
' ##
•
•
$
'
+
#
"
#
$
##
$
##
(
0
"
•
•
6
5
%"
""
/ #
/ "
"
&
•
•
0
"
"
,
*
-
",
+
4
#
#
# $
-
%"
$
#
' '
%&
'
'
$
"
(
))
'
" "
"
!
*
!
(
D
"
" "
"
!
" !
# %
! "
%
# %
! #
# %
/
" "
•
•
•
#
"
"
;,
*
!
/
$
*
"
/
/
#
!
.
<
# #
4" 2
2
#
#
!
*
"
4
" "
!
2
•
,
!
(
!
•
•
•
•
•
/
"
.
"
#
" "
# %
" "
!
"
"
!
+
/
*
" " #
'
* '
9
' 0
!
"
0
'
" " #
# #
2
! !
>
4
"
! ;0
" #
#
B
4
#
,
20
"
$
#
!
"
#
#
I
< +
"
2
0
"
#
#
4
!
"
$ *
4"
#
#
!
"
!
#
!
!
#
6
"
2
"
*
*
2
#
#
#
;
%
!
"
# !
% ,
G/ # ,
2
&
2
;
+
< $
!
-&
'
0
! 7
3 ;#
?
!
!
. 4
"
!
'
.
*
#
4 " 3
. 4
#
,
<
"
"
!
#
!
!
*
!
G
H
!
!
#
%
!
*
#
"
"
"
0
$
%
"
/
"
!
"
!
#
"
#
. 4
"
!
*
"
4
!
)
"
<
.
"
- %
"
/
. 4
!
!
!
4
!
"
!
!
;
?6
H
2
20
.% . 4
!
<
4
#
?
- %
!
5
4
#
4
!
>
'
"
' 0
.
'
'
. 4
*
!
"
'
/
.
2
4
"
'
!
"
/
*
/
#
'
*
%
"
4
"2
!
"
*
- %
;0
20
.
/
- %.
>
/
#
0
2
2
9
2
0
#
!
"
"
$ . 4
#
"
#
#
/
!
#
!
2
"
"
!
#
*
. 4
"
" "
-&
$
- %
!
0
)
!
2
!
3
"
#
'
"
/
-
"
4
-
2
;J
<
"
-
"
/
"
#
"
#
#
!
! !
# % #
-
'
!
$
!
!
'
# %#
!
4
"
"
"
"
*
" "
*
"
"
'
20
0 "
.
'
2 *
,
4*'
" "
!
"
#
.
!
4
/
*
#
#
/
>
!
!
!
"
#
" 5
/ #
!
"
4
#
A
#
!