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November 24 - December 18, 2024
Today, the majority of poor renting families in America spend over half of their income on housing, and at least one in four dedicates over 70 percent to paying the rent and keeping the lights on.
We have failed to fully appreciate how deeply housing is implicated in the creation of poverty. Not everyone living in a distressed neighborhood is associated with gang members, parole officers, employers, social workers, or pastors. But nearly all of them have a landlord.
Milwaukee used to be flush with good jobs. But throughout the second half of the twentieth century, bosses in search of cheap labor moved plants overseas or to Sunbelt communities, where unions were weaker or didn’t exist. Between 1979 and 1983, Milwaukee’s manufacturing sector lost more jobs than during the Great Depression—about 56,000 of them. The city where virtually everyone had a job in the postwar years saw its unemployment rate climb into the double digits. Those who found new work in the emerging service sector took a pay cut. As one historian observed, “Machinists in the old
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These economic transformations—which were happening in cities across America—devastated Milwaukee’s black workers, half of whom held manufacturing jobs. When plants closed, they tended to close in the inner city, where black Milwaukeeans lived. The black poverty rate rose to 28 percent in 1980. By 1990, it had climbed to 42 percent. There used to be an American Motors plant on Richards and Capitol, on the city’s predominantly black North Side. It has been replaced by a Walmart. Today in Milwaukee, former leather tanneries line the banks of the Menominee River Valley like mausoleums of the
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In the 1980s, Milwaukee was the epicenter of deindustrialization. In the 1990s, it would become “the epicenter of the antiwelfare crusade.” As President Clinton was fine-tuning his plan to “end welfare as we know it,” a conservative reformer by the name of Jason Turner was transforming Milwaukee into a policy experiment that captivated lawmakers around the country. Turner’s plan was dubbed Wisconsin Works (or W-2), and “works” was right: If you wanted a welfare check, you would have to work, either in the private sector or in a community job created by the state. To push things along,
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A couple of generations ago, a gathering like this would have been virtually unheard-of. Many landlords were part-timers: machinists or preachers or police officers who came to own property almost by accident (through inheritance, say) and saw real estate as a side gig.7 But the last forty years had witnessed the professionalization of property management. Since 1970, the number of people primarily employed as property managers had more than quadrupled.8 As more landlords began buying more property and thinking of themselves primarily as landlords (instead of people who happened to own the
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The Menominee River Valley cuts through the middle of the city and functions like its Mason-Dixon Line, dividing the predominantly black North Side from the predominantly white South Side. Milwaukeeans used to joke that the Sixteenth Street Viaduct, which stretches over the valley, was the longest bridge in the world because it connected Africa to Poland. The biggest effort to change that came in 1967, when two hundred demonstrators, almost all of them black, gathered at the north end of the viaduct and began walking to Poland to protest housing discrimination. As the marchers approached the
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The white, working-class South Side had, since the 1930s, made room for a small number of Hispanic families, whose men had been recruited to work in the tanneries. In the 1970s, the Hispanic population began to grow. Instead of putting up another fight, whites began moving out, pushing farther south and west. Poland became Mexico, a small enclave on the near South Side of the city. The North Side remained black. The East and West Sides of the city, as well as the far South, where Lenny’s trailer park sat, belonged to the whites. Open housing law or not, Milwaukee would remain one of the most
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Screening practices that banned criminality and poverty in the same stroke drew poor families shoulder to shoulder with drug dealers, sex offenders, and other lawbreakers in places with lenient requirements. Neighborhoods marred by high poverty and crime were that way not only because poverty could incite crime, and crime could invite poverty, but also because the techniques landlords used to “keep illegal and destructive activity out of rental property” kept poverty out as well. This also meant that violence, drug activity, deep poverty, and other social problems coalesced at a much smaller,
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Tenants in eviction court were generally poor, and almost all of them (92 percent) had missed rent payments. The majority spent at least half their household income on rent. One-third devoted at least 80 percent to it.6 Of the tenants who did come to court and were evicted, only 1 in 6 had another place lined up: shelters or the apartments of friends or family. A few resigned themselves to the streets. Most simply did not know where they would go.
If incarceration had come to define the lives of men from impoverished black neighborhoods, eviction was shaping the lives of women. Poor black men were locked up. Poor black women were locked out.
Arleen remembered when they used to take a break from doing evictions around Christmastime in Milwaukee. But they did away with that in 1991, after a landlord convinced the American Civil Liberties Union to argue that the practice was an unfair religious celebration.11 Some old-timers still observed the moratorium out of kindness or habit or ignorance. Sherrena was not one of them.
A dismissed eviction judgment meant a dropped money judgment as well, and obtaining money judgments, even against single mothers on welfare, was one of the primary reasons Sherrena evicted tenants through the court system.
Hispanic and African American neighborhoods had been targeted by the subprime lending industry: renters were lured into buying bad mortgages, and homeowners were encouraged to refinance under riskier terms. Then it all came crashing down. Between 2007 and 2010, the average white family experienced an 11 percent reduction in wealth, but the average black family lost 31 percent of its wealth. The average Hispanic family lost 44 percent.
The same thing that made homeownership a bad investment in poor, black neighborhoods—depressed property values—made landlording there a potentially lucrative one. Property values for similar homes were double or triple in white, middle-class sections of the city; but rents in those neighborhoods were not. A landlord might have been able to fetch $750 for a two-bedroom unit in the suburb of Wauwatosa and only $550 for a similar unit in Milwaukee’s poverty-stricken 53206 zip code. But the Wauwatosa property would have come with a much higher mortgage payment and tax bill, not to mention higher
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No one thought the poor more undeserving than the poor themselves.
In years past, renters opposed landlords and saw themselves as a “class” with shared interests and a unified purpose. During the early twentieth century, tenants organized against evictions and unsanitary conditions. When landlords raised rents too often or too steeply, tenants went so far as to stage rent strikes. Strikers joined together to withhold rent and form picket lines, risking eviction, arrest, and beatings by hired thugs. They were not an especially radical bunch, these strikers. Most were ordinary mothers and fathers who believed landlords were entitled to modest rent increases and
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Petitions, picket lines, civil disobedience—this kind of political mobilization required a certain shift in vision. “For a protest movement to arise out of [the] traumas of daily life,” the sociologists Frances Fox Piven and Richard Cloward have observed, “the social arrangements that are ordinarily perceived as just and immutable must come to seem both unjust and mutable.”4 This usually happened during extraordinary times, when large-scale social transformations or economic disturbances—the postwar housing shortage, say—profoundly upset the status quo. But it was not enough simply to perceive
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During rent strikes, tenants believed they had a moral obligation to one another.5 If tenants resisted excessive rent hikes or unwarranted evictions, it was because they invested in their homes and neighborhoods. They felt they belonged there. In the trailer park, that sentiment was almost dead. For most residents, Scott among them, the goal was to leave, not to plant roots and change things. Some residents described themselves as “just passing through,” even if they had been passing through nearly all their life. One, an out-of-work father of three who powered his trailer with stolen
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Poor neighborhoods provided their residents with quite a lot. In the trailer park, residents met people who knew how to pirate cable, when the best food pantries were open, and how to apply for SSI. All over the city, people who lived in distressed neighborhoods were more likely to help their neighbors pay bills, buy groceries, fix their car, or lend a hand in other ways, compared to their peers in better-off areas.6 These exchanges helped people on the receiving end meet basic material needs; and they helped those on the delivering end feel more fully human.
When people began to view their neighborhood as brimming with deprivation and vice, full of “all sorts of shipwrecked humanity,” they lost confidence in its political capacity.8 Milwaukee renters who perceived higher levels of neighborhood trauma—believing that their neighbors had experienced incarceration, abuse, addiction, and other harrowing events—were far less likely to believe that people in their community could come together to improve their lives.9 This lack of faith had less to do with their neighborhood’s actual poverty and crime rates than with the level of concentrated suffering
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Every so often, Tobin’s tenants would air a passing remark about their landlord’s profits or call him a greedy Jew. “That Cadillac got some shiny rims. I know that didn’t cost no ten dollars.” “He just wants to butter his pockets.” But for the most part, tenants had a high tolerance for inequality. They spent little time questioning the wide gulf separating their poverty from Tobin’s wealth or asking why rent for a worn-out aluminum-wrapped trailer took such a large chunk of their income. Their focus was on smaller, more tangible problems. When Witkowski reported Tobin’s annual income to be
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Most renters in Milwaukee thought highly of their landlord.10 Who had time to protest inequality when you were trying to get the rotten spot in your floorboard patched before your daughter put her foot through it again? Who cared what the landlord was making as long as he was willing to work with you until you got back on your feet? There was always something worse than the trailer park, always room to drop lower. Residents were reminded of this when the whole park was threatened with eviction, and they felt it again when men from Bieck Management began collecting rents.
Most nuisance citations were addressed to properties on the North Side. In white neighborhoods, only 1 in 41 properties that could have received a nuisance citation actually did receive one. In black neighborhoods, 1 in 16 eligible properties received a citation. A woman reporting domestic violence was far more likely to land her landlord a nuisance citation if she lived in the inner city.
After the numbers were released, Milwaukee’s chief of police appeared on the local news and puzzled over the fact that many victims had never contacted the police for help. A nightly news reporter summed up the chief’s views: “He believes that if police were contacted more often, that victims would have the tools to prevent fatal situations from occurring in the future.” What the chief failed to realize, or failed to reveal, was that his department’s own rules presented battered women with a devil’s bargain: keep quiet and face abuse or call the police and face eviction.
Before her eviction, Beaker had asked Larraine why she didn’t just sell her jewelry and pay Tobin. “Of course I’m not going to do that,” she said. “I worked way too hard for me to sell my jewelry….I’m not going to sell my life savings because I’m homeless or I got evicted.” It wasn’t like she had just stumbled into a pit and would soon climb out. Larraine imagined she would be poor and rent-strapped forever. And if that was to be her lot in life, she might as well have a little jewelry to show for it. She wanted a new television, not some worn and boxy thing inherited from Lane and Susan. She
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Larraine didn’t put anything on layaway that day. But when her food stamps kicked in, she went to the grocery store and bought two lobster tails, shrimp, king crab legs, salad, and lemon meringue pie. Bringing it all back to Beaker’s trailer, she added Cajun seasoning to the crab legs and cooked the lobster tails in lemon butter at 350 degrees. She ate everything alone, in a single sitting, washing it down with Pepsi. The meal consumed her entire monthly allocation of food stamps. It was her and Glen’s anniversary, and she wanted to do something special. “I know our relationship may not have
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When Larraine spent money or food stamps on nonessentials, it baffled and frustrated people around her, including her niece, Sammy, Susan and Lane’s daughter.5 “My aunt Larraine is one of those people who will see some two-hundred-dollar beauty cream that removes her wrinkles and will go and buy it instead of paying the rent,” said Sammy, a hairstylist with her own shop in Cudahy. “I don’t know why she just doesn’t stick to a budget.” Pastor Daryl felt the same way, saying that Larraine was careless with her money because she operated under a “poverty mentality.” To Sammy, Pastor Daryl, and
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People like Larraine lived with so many compounded limitations that it was difficult to imagine the amount of good behavior or self-control that would allow them to lift themselves out of poverty. The distance between grinding poverty and even stable poverty could be so vast that those at the bottom had little hope of climbing out even if they pinched every penny. So they chose not to. Instead, they tried to survive in color, to season the suffering with pleasure. They would get a little high or have a drink or do a bit of gambling or acquire a television. They might buy lobster on food
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If Larraine spent her money unwisely, it was not because her benefits left her with so much but because they left her with so little. She paid the price for her lobster dinner. She had to eat pantry food the rest of the month. Some days, she simply went hungry. It was worth it. “I’m satisfied with what I had,” she said. “And I’m willing to eat noodles for the rest of the month because of it.” Larraine learned a long time ago not to apologize for her existence. “People will begrudge you for anything,” she said. She didn’t care that the checkout clerk looked at her funny. She got the same looks
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Most Milwaukeeans believed their city was racially segregated because people preferred it that way. But the ghetto had always been more a product of social design than desire.11 It was never a by-product of the modern city, a sad accident of industrialization and urbanization, something no one benefited from nor intended. The ghetto had always been a main feature of landed capital, a prime moneymaker for those who saw ripe opportunity in land scarcity, housing dilapidation, and racial segregation.
Maybe it began in the late fifteenth century, the weaponry of war to blame. With the invention of the iron cannonball, cities could no longer rely on moats and modest ramparts to fend off attack. Complicated systems of defense had to be constructed and cities had to grow vertically behind high walls. Old Geneva and Paris saw tenements climb six stories. Edinburgh boasted of tenements twice as high. While agrarian families were driven from the land to increasingly congested cities, the competition for space drove up land values and rents. Urban landlords quickly realized that piles of money
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During its rapid period of urbanization, America imported this model. Colonial proprietors adopted the institutions and laws of England’s landed gentry, including the doctrine of absolute liability for rent, which held tenants unequivocally responsible for payments even in the event of fire or flood. Throughout the eighteenth and nineteenth centuries, America’s poor lived in cellars, attics, cattle sheds, and windowless rooms that held multiple families.13 Some slums were cut off from basic municipal services and local wells; so families begged for water in other parts of town.14 Rents
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Racial oppression enabled land exploitation on a massive scale. During slavery, black slaves pulled profit from the dirt but had no claim to the land. After the Civil War, freed slaves saw in landownership the possibility of true liberation, but during Reconstruction wealthy whites maintained a virtual monopoly on the soil as lands seized from or abandoned by Confederates were restored to their original owners. Returning to plantations as sharecroppers, black families descended into a cycle of subsistence farming and debt, while white planters continued to grow rich.16 The slave shacks stood,
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In the early decades of the twentieth century, African-American families seeking freedom and good jobs participated in the Great Migration, moving en masse from the rural South to cities like Chicago, Philadelphia, and Milwaukee. When they arrived in those cities, they were crowded into urban ghettos, and the vast majority depended on landlords for housing.17 Ghetto landlords had a segregated and captive tenant base and had nothing to gain by improving their run-down houses. They began dividing their properties into small “kitchenette” units, throwing up so many plywood walls their apartments
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In the 1950s, white real estate brokers developed an advanced technique of exploitation, one that targeted black families shut out of the private housing market. After buying houses on the cheap from nervous white homeowners in transitioning neighborhoods, private investors would sell these houses “on contract” to black families for double or triple their assessed value. Black buyers had to come up with sizeable down payments, often upwards of 25 percent of the property’s inflated value. Once they moved in, black families had all the responsibilities of home ownership without any of the
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The 1968 Civil Rights Act made housing discrimination illegal, but subtler forms prevailed. Crystal and Vanetta wanted to leave the ghetto, but landlords like the one on Fifteenth Street turned them away. Other landlords and property management companies—like Affordable Rentals—tried to avoid discriminating by setting clear criteria and holding all applicants to the same standards. But equal treatment in an unequal society could still foster inequality. Because black men were disproportionately incarcerated and black women disproportionately evicted, uniformly denying housing to applicants
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Imagine if we didn’t provide unemployment insurance or Social Security to most families who needed these benefits. Imagine if the vast majority of families who applied for food stamps were turned away hungry. And yet this is exactly how we treat most poor families seeking shelter.
Today, over 1 in 5 of all renting families in the country spends half of its income on housing.
There are two freedoms at odds with each other: the freedom to profit from rents and the freedom to live in a safe and affordable home.
On the history of Hispanics in Milwaukee, see John Gurda, The Making of Milwaukee, 3rd ed. (Milwaukee: Milwaukee County Historical Society, 2008 [1999]), 260. On segregation, see John Logan and Brian Stults, The Persistence of Segregation in the Metropolis: New Findings from the 2010 Census (Washington, DC: US Census, 2011); Harrison Jacobs, Andy Kiersz, and Gus Lubin, “The 25 Most Segregated Cities in America,” Business Insider, November 22, 2013.
To make matters worse for the very poor, the shortfall of federal housing assistance has coincided with the emergence of an employment-based safety net, which directs aid to working families through programs like the Earned Income Tax Credit or public housing reserved for parents with low-wage jobs. The result is that families just above and below the poverty line receive significantly more help today than they did twenty years ago, but those far below the poverty line receive significantly less. For families living in deep poverty, both income and housing assistance have been scaled back.
When lawmakers reformed welfare, they required states to develop sanctions for TANF recipients, procedures that involved suspending all or some of their benefit if recipients were found to be noncompliant. When W-2 began in Wisconsin, nearly two-thirds of those who entered the program were sanctioned at some point during the first four years.
One Milwaukee landlord who owned roughly 100 units in low-income neighborhoods told me he gave approximately 30 percent of his tenants five-day eviction notices each month. A $50 late fee accompanied each notice. He estimated that 90 percent of those cases were settled via stipulation; the remaining 10 percent were evicted. This meant that he collected roughly $1,350 in late fees each month from tenants he did not evict. That amounted to over $16,000 a year in late fees alone.
In Milwaukee’s poorest black neighborhoods, 1 male renter in 33 was evicted through the court system each year, compared to 1 male renter in 134 and 1 female renter in 150 in the city’s poorest white neighborhoods. By “poorest neighborhoods,” I mean census block groups in which at least 40 percent of families lived below the poverty line. By “white/black neighborhoods,” I mean block groups in which at least two-thirds of the residents were white/black. Because eviction records do not include sex identifiers, two methods were employed to impute sex. First, a pair of research assistants assigned
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In an average year between 2003 and 2007, 276 court-ordered evictions took place in predominantly Hispanic neighborhoods, compared to 1,187 and 2,759 in white and black neighborhoods, respectively. Like women in black neighborhoods, women in Hispanic neighborhoods were evicted at higher rates. On average, in high-poverty Hispanic neighborhoods, 1 male renter in 86 and 1 female renter in 40 were evicted through the court system every year. Estimates that considered informal evictions and landlord foreclosures were even more alarming. Between 2009 and 2011, roughly 23 percent of Hispanic renters
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In poor black communities, women were more likely to work in the formal economy than men, many of whom were marked by a criminal record and unemployed at high rates. Many landlords did not approve the rental applications of unemployed persons or those with criminal records. In the inner city, women were more likely to provide the necessary income documentation when securing a lease, either from an employment check or public assistance like welfare. In Milwaukee, half of working-age black men were out of work and half in their thirties had done prison time—twinned trends not unrelated. WUMN,
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If court records usually listed only leaseholders, it could be the case that women from poor black neighborhoods actually weren’t evicted at higher rates than men but were just more likely to collect eviction records than their male counterparts who lived in apartments off lease. Yet in black neighborhoods, a gender gap in formal evictions remained even after accounting for adults not listed on the lease. The Milwaukee Eviction Court Study (2011) accounted for all adults in the household, including those not listed on the Summons and Complaint. After doing so, black women continued to
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This was particularly true for single-mother households, which made up the majority of black households in Milwaukee. Single mothers often could not rely on regular support from their children’s fathers, and because of their children, they had to seek out larger and more expensive housing options than noncustodial fathers, who could sleep on someone’s couch or rent a room. Sherrena rented her inner-city rooming house rooms for $400 a month (utilities included), a good deal less than the two-bedroom units Arleen and other single mothers rented for $550 (utilities excluded). With Milwaukee’s
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Almost every landlord and building manager in Milwaukee that I met would agree. They felt that the court system was brazenly “pro-tenant,” that it resembled an “uneven playing field” tilted against property owners, or that commissioners liked to play Let’s Make a Deal when they should just be issuing writs of restitution. Lenny Lawson was the sole exception. The court system “used to be for the tenants. It’s not anymore,” he told me.