The Women's Fund Miami-Dade
The Miami-Dade Self-Sufficiency Standard2024-10-03T11:55:46-04:00

THE MIAMI-DADE
SELF SUFFICIENCY
STANDARD

Can You Afford to Live in Miami-Dade?

The Miami-Dade Self-Sufficiency Standard (SSS) highlights the housing and childcare crises in Miami-Dade County, impacting all families.

The Miami-Dade Self-Sufficiency Standard (SSS) reveals the economic realities families face by calculating the income needed to cover their basic needs without assistance. It considers the costs of housing, child care, food, transportation, health care, and taxes and highlights the financial constraints of raising children and living in Miami-Dade. The SSS can be calculated for a wide range of families. These include families with a single adult without children, families with one adult and one infant, families with one adult and one preschooler, and so forth, up to families with three adults and six teenagers.

KEY TAKEAWAYS

  • Housing and child care costs are the most significant expenses for families in Miami-Dade.
  • A single adult without any children needs to earn $23.42 per hour (40 hours a week) to meet the Self-Sufficiency Standard. In contrast, a single parent with a preschooler and one school-age child needs to earn almost twice that wage, $44.23 per hour, in order to meet the family’s basic needs.
  • A single parent with one preschooler and one school-age child earning the minimum wage in Miami-Dade needs to work 149.7 hours per week to meet the family’s basic needs.

The SSS Dashboard is an interactive tool. You may change the variables to see the results. Note that the Dashboard will not display properly on screen below 1000 pixels wide. Please scale your browser as needed.

Solutions to Help Families Meet the Self-Sufficiency Standard

The Women’s Fund Gender Equity Index Economic Mobility Pillar presents policy recommendations to address some of the challenges families face:

Paid Parental Leave: Employers should adopt generous paid parental leave policies, which enhance economic security, boost new parents’ well-being, reduce infant mortality, and decrease turnover.

Government Regulation of Pay Equality: Government entities should require contractors to affirm and report on pay equity in their workforce through their procurement process.

Support Early Childhood Learning Programs: Employers should promote a financially sustainable business model for early childhood education programs that supports women in the workforce, organize advocacy efforts that improve early learning center operations and opportunities, and provide workforce protections.

GEI Economic Mobility 2024 One-Pager

Explore our detailed Economic Policy paper, Women’s Economic Mobility: Opportunities and Barriers, to learn more about our strategies and recommendations. It outlines proactive measures to bridge gaps and foster economic resilience in our community.

The Women’s Fund Miami-Dade has partnered with Miami Homes for All to highlight policy recommendations on housing

The Greater Miami Housing Alliance has two strategic priorities to advance policies for equitable affordable housing in 2024-2025.

Build or preserve more safe, affordable housing:

Housing Bond: We are advocating for the 305 Future Ready Bond. We are especially concerned with the urgent needs of residents with incomes at or below 50% of the Area Median Income (AMI). Recognizing the growing challenges of housing affordability, we hope to prioritize deeper affordability levels and allocate substantial funding to create meaningful solutions for our community.
improving Surtax: We aim to reduce the time for small and nonprofit affordable housing developers to access funds to expedite small-scale housing development or rehabilitation. This includes supporting community land trusts.

HOMES Plan: Ensuring residents are informed about and benefit from county programs, guaranteeing transparency in fund utilization. We are advocating that no funds intended for the HOMES Plan will be swept or diverted, ensuring their dedicated use for the betterment of our community’s housing needs.

Prevent displacement and reduce homelessness.

Preventing Displacement: prevent tenant displacement in preservation and rehabilitation projects.

Improving Living Conditions: We want to support residents living in subsidized housing live healthier lives.

Protecting tenant rights: By advocating for tenant rights, we ensure fair and equitable housing practices. Ensuring that tenants have the necessary legal support to navigate challenges and maintain their rights in the housing landscape.

To learn more about the Greater Miami Housing Alliance and see our policy platform, please click here.

In addition, Miami-Dade, confronting a large gap in our affordable housing supply, has an opportunity to close a significant share of that .

We created and analyzed a database of the affordable housing projects in the pipeline that do not yet have financing, reflecting 101 projects and 13,691 units. For the first time, this report tells us how much and what type of funding is needed to make those 13,691 affordable homes a reality. Read the full analysis here!

If you have any questions, Please email Rayna at rayna@miamihomesforall.org

Learn More About the Self-Sufficiency Standard

The Miami-Dade County SSS Dashboard was built with data from the University of Washington Center for Women’s Welfare (CWW). The SSS determines the amount of income required for working families to meet their basic needs at a minimally adequate level, considering family composition, children’s ages, and geographic differences in costs. It works like a basic family budget, to identify a living wage measure that reflects working families’ actual cost of living at a minimally adequate level. It is a more realistic measure than the federal poverty measure. 

The SSS was developed in the mid-1990s by Dr. Diana Pearce, then Director of the Women and Poverty Project at Wider Opportunities for Women, University of Washington. The Standard was initially created as a performance measure for federal job training programs, in order to provide realistic data on the self-sufficiency needs of women and families. First calculated for Iowa in 1996, it expanded significantly through Ford Foundation funding in the early 2000s. It is now available in 41 states and the District of Columbia.

“The Standard grew out of my early work on ‘the feminization of poverty’– that is that women are disproportionately bearing the burden of poverty…with welfare reform pushing some women into the workforce without sufficient training and education, I was asked by women’s advocates to devise a ‘performance’ measure that was specific to individuals. Since many of the women (but few men) were single parents, this measure would then make clear that they needed enough to support a family, not just a single person.” – Dr. Diana Pearce

The SSS considers several key costs to determine what it takes to live in Miami-Dade County without public or private assistance.

  1. Housing: Based on local rents and housing costs.
  2. Child Care: Depending on the age of the kids and the type of care (child care cost varies dramatically depending on age).
  3. Healthcare: Includes insurance premiums and out-of-pocket expenses.
  4. Food: Using the USDA’s Low-Cost Food Plan.
  5. Transportation: Costs of owning a car.
  6. Broadband & Cell Phone: Monthly cost for basic internet and cell phone.
  7. Miscellaneous: Extra 10% for other essentials like clothing and personal care.

Taxes and Tax Credits: All applicable taxes and tax credits you might be eligible for, like the Earned Income Tax Credit (EITC) and Child Tax Credit (CTC).

The Miami-Dade SSS is critically important because it sheds light on the stark reality families face trying to make ends meet. For instance, the alarming statistic that an individual would need to work 149.7 hours a week at minimum wage to support a family of three underscores the urgent need for this standard. The SSS provides a clear benchmark by accurately calculating the income required for basic necessities like housing, childcare, food, and healthcare in Miami. This benchmark highlights the discrepancy between wages and living costs and empowers policymakers to develop targeted policies and programs. These initiatives can effectively support economic stability and ensure that all families have a realistic pathway to self-sufficiency.

The ALICE Report, produced by United Way, stands for “Asset Limited, Income Constrained, Employed.” It analyzes households that earn above the federal poverty level but still struggle to afford basic necessities like housing, food, healthcare, and transportation. These households, known as ALICE households, are often called the “working poor.” The report aims to highlight these households’ economic challenges and inform policies to support financial stability. For more information and to access the reports, visit the United Way ALICE Project website.

The ALICE Report and the Miami-Dade SSS both highlight the economic challenges faced by working households. The ALICE Report focuses on those earning above the poverty level but still struggling, while the Miami SSS details the income needed for a variety of families in Miami to meet their basic needs without assistance.

Key Differences:

  • Target Population:
    • ALICE focuses on working families nationwide who are struggling despite earning above the poverty line.
    • The SSS targets Miami-Dade residents, providing a specific benchmark for them to reach financial independence.
  • Types of Families: 
    • ALICE includes data for 5 different family types.
    • The SSSincludes data for 719 different family types. 
  • Depth of Analysis:
    • ALICE provides an overview of financial challenges and household survival budgets without breaking down monthly costs by county.
    • The SSS offers precise calculations for living independently in Miami, including detailed expenses.
  • Usage:
    • ALICE informs national policies and supports programs for the “working poor.”
    • The SSS aims to guide local policies and personal financial planning in Miami-Dade County

More information and the complete methodology behind the SSS can be found on the University of Washington website: https://selfsufficiencystandard.org/the-standard/methodology/. They also provide other tools such as the SSS Calculator: https://selfsufficiencystandard.org/calculator/.

The Miami-Dade Self-Sufficiency Standard is produced by The University of Washington, Center for Women’s Welfare.

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Our Vision: A Miami-Dade where power and possibility are not limited by gender.

Our Mission: We create positive change for women and girls through grantmaking, advocacy, research and leveraging collective impact.

Since 1992, The Women’s Fund Miami-Dade has worked to improve the lives of women and girls by providing almost $4 million of funding to support almost 500 programs serving over 75,000 women and girls throughout Miami-Dade County.

We focus on creating change for women and girls through action, advocacy, and investing in key collaborative initiatives that generate sustainable impact in four pillars of Economic Mobility, Leadership, Health & Well-being, and Freedom From Violence.

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