Affordability, Naturally!

by Alison Pernell

For millennia people have built homes for themselves out of the materials and resources at hand. It is only in the past 100 or so years that we have lost the knowledge and ability to build beautiful, climate-appropriate buildings for ourselves at little or no cost. The relationship between home and owner was once a personal one; home was a reflection of cultural heritage, values, and a unique expression of self. The end of World War II put an end to this and marked the beginning of the housing industry as soldiers returned home and families looked to the suburban monoculture to fulfill the "American Dream."

Necessarily, housing and construction were standardized and Americans were removed from the intimacy of designing and building their own homes. Since then, homeownership has devolved from an intimate relationship between family, home and the environment, to acquiring 30 years of debt to pay for a home that is often empty because one must work all day just to afford it. And these are the lucky few! Only 31% of California families can afford a median-priced single family home. In the San Francisco Bay Area - ground zero for California's hi-tech economy - the figure is 84%!

On the whole, homeownership rates have been increasing across the nation, yet the disparity between those with ownership opportunities and those without grows larger. Local, state, and federal government provides assistance to low-income populations in the form of development subsidies, rent-control programs and other low-income housing programs. Some of these programs have been miserable failures - as we’ve seen with public housing until recently - and some have had remarkable success. Yet, little of what is accomplished involves restoring the dignity, pride, and traditions of families and individuals in need.

A more intelligent and eco-logical solution to affordable housing involves a systems approach to solving multiple housing and environmental problems. For example, we know the following:

  • There is an affordable housing shortage;
  • Families are economically stressed by the increasing cost of housing;
  • We are supporting logging, mining, trans-national financial institutions and the petro-chemical industry when we purchase and/or build a conventional stick-frame home;
  • Forty percent of landfill waste is attributed to construction;
  • The housing industry is dependent on cement - an industrial product with high embodied energy that contributes up to 10% of greenhouse gasses to the biosphere;
  • Scientists have identified 1500 bacterial and chemical air pollutants given off by paints, carpets, and manufactured products; and
  • Our forests continue to be clear-cut; today only 4% of ancient forests remain in the U.S.

Ecologically sustainable, economically viable and socially just housing will address these issues by marrying time-proven building technologies with contemporary design and construction to achieve affordability and to return sacredness to home.

Once upon a time, in a world not long ago, all housing was affordable - if not free - and buildings were inherently sustainable. Today, over 1/3 of the world’s population (count em: that's 2 billion people!) still lives in earthen homes. Considered sub-standard by resource-consumptive Western culture, native people and people of developing nations have yet to abandon sustainable, indigenous building techniques and materials. This is not to say that they would choose their simple, traditional structures over a modern home; however, it is a good reminder that most of the world has lived for most of history in buildings built from natural materials using simple human- or animal-powered technologies. These buildings are inherently sustainable, utilizing local, climate-appropriate materials, and labor. Throughout history, these buildings have ranged from modest huts in Africa to Thomas Jefferson’s Monticello, to the contemporary and elegant rammed earth and straw bale homes of North America and beyond.

Incorporating locally available resources like rock, soil, straw, reclaimed or recycled materials and on-site timber resources into residential construction can lend itself to housing that is more affordable because transportation, processing, packaging, and profit are reduced. By participating in design and construction and by using sweat equity, expenses can be further reduced. By refusing to participate in consumer culture and focusing on simple living, many people find that housing size can be reduced - sometimes dramatically - furthering goals of affordability. Eco-designer and architect David Arkin says that the first step in building an environmentally responsible (and affordable) home is to build one smaller than your parent’s. Smaller homes are more intimate and require less “stuff” to fill empty space. The smaller home nourishes affordable, eco-local living.

Natural and locally occurring materials can create beautiful, affordable, non-toxic homes. Cob construction, owner-built straw bale and rammed earth, and super-adobe (sandbag construction) are among the more popular materials and techniques that are pointing the way toward more sustainable and affordable housing. Building code officials are slowly catching up to the growing interest in this type of construction, and lending institutions - notably Fannie Mae - are supporting green building through resource-efficient and environmental housing programs. In California, cob, straw bale, rammed earth and light straw-clay homes are permitted. Regulations can no longer be blamed as an impenetrable barrier to affordable, natural living. Rather, we must recondition ourselves to value an affordable, healthy and beautiful home instead of the 4000-square-foot toxic starter-mansion and half a lifetime of debt.

Alison Pernell thinks everyone should have the opportunity to empower themselves by building their own natural home. She lives in Sacramento and works for the Local Government Commission, promoting resource-efficient, livable communities.