by Chesnie Wardell, Milwaukee Neighborhood News Service
May 4, 2026

Housing instability for young adults in Milwaukee is a growing problem. Looking for solutions, young adults, residents and leaders gathered at Wellpoint Care Network in late April to discuss systemic gaps and realities young adults face with renting and homeownership. 

“Homeownership is a privilege when it shouldn’t be,” Tamia Abney, youth-coordinated entry liaison at Pathfinders, said.

The convening challenged members to think of possible solutions to the young adult housing crisis.

Basic needs aren’t being met

A 2024 Wisconsin Policy Forum study revealed that half of Milwaukee renters are using at least 30% of their income to keep a roof over their heads. 

In 2024, the average monthly rent in Milwaukee was $1,177. Workers in common jobs like fast food, retail, nursing assistants and other occupations earn between $28,000 and $44,000 a year, and can only afford approximately $720 to $1,100 in rent, according to the Wisconsin Policy Forum. 

“Those are important jobs that make up most of our society,” Abney said. “The income isn’t meeting the needs to pay for their living.” 

During the convening at Wellpoint Care Network, Mayor Cavalier Johnson said there are young people who have decent jobs and still struggle with affordable housing.

“When you make that first good job out of college and make a certain dollar amount, everybody thinks you have it when that’s not the case,” Johnson said. “I lived it, too.”

Milwaukee housing shortage

One reason for the high rent prices in Milwaukee is that the number of people needing homes is growing faster than the number of housing units available. 

According to the Wisconsin Policy Forum, Milwaukee’s households increased by 17,335 between 2010 and 2024, but only 11,038 housing units were available, leaving an underproduction of 6,297 units. 

“There’s a shortage for low-income families because somebody else has already snatched it away from them,” said Carl Mueller, founder and chairman of Mueller Communications.

The mayor, who declared 2026 the year of housing in Milwaukee, said the city is working to increase housing supply so rent can become cheaper and change how tax dollars are being used to support young professionals.

“We still invest in affordable housing, but what we’ve done now is open it up to make investments in workforce housing, so young professionals don’t end up in situations where they’re spending 30% of their income, too,” Johnson said. 

Mueller and other community members suggested the city build developments similar to NeuVue and ThriveOn King, which bring housing and community resources together. 

Additional challenges

Another reason for the local housing shortage is that residential projects take the longest to get approved.

According to the Wisconsin Policy Forum, the median time it takes for a Milwaukee building project to go from zoning to final building permit approval is 145 days, but for residential projects it takes about 224 days. 

Johnson said when he came into office, he challenged the City of Milwaukee Department of Neighborhood Services to speed up the permit process.

“I think if we had been more aggressive and if we had cut more red tape over the years then a lot of the development that’s happening in some of the surrounding communities would have happened in the city,” Johnson said. 

Johnson added that Milwaukee’s zoning policies need to be updated so more properties can be built. 

“We haven’t had a wholescale zoning policy since John Norquist was mayor,” he said.

A need for a better quality of living

Al Smith, chief operating officer at Milwaukee Habitat for Humanity, said youths, families and young adults are living in places with high rent prices but are experiencing poor conditions – lead issues and infestations among them. 

“Some are paying up to $1,500 a month for places they don’t want to live in, but it was the only option they were left with,” Smith said. “We need a better quality of housing stock.”

Iasia Sawyer, 21, and a member of the Wisconsin Youth Advisory Council and participant of the Youth Transitioning to Adulthood program, said she’s already in her second apartment and has faced ongoing challenges with her landlord over mold and pipes.

Housing stability creates positive impact

Al Smith, chief operating officer at Milwaukee Habitat for Humanity, said youths, families and young adults are living in places with high rent prices but are experiencing poor conditions – lead issues and infestations among them. 

“Some are paying up to $1,500 a month for places they don’t want to live in, but it was the only option they were left with,” Smith said. “We need a better quality of housing stock.”

Iasia Sawyer, 21, and a member of the Wisconsin Youth Advisory Council and participant of the Youth Transitioning to Adulthood program, said she’s already in her second apartment and has faced ongoing challenges with her landlord over mold and pipes. 

Housing stability creates positive impact 

Smith said more young adults and families in stable housing would bring an increase in graduation rates and other benefits. 

“When I think about education or even kids having to switch schools constantly, there’s no stability in that,” he said. 

Johnson recalled how traumatizing it felt when he had to attend six different Milwaukee Public Schools throughout his childhood because of housing instability. 

“As mayor, I’m working to make sure that more kids in Milwaukee have the stability that I didn’t have growing up,” Johnson said. “It’s not just about housing support; you guys are also providing the foundation for everything else in life.”

Homeownership can be attainable for young adults

Smith said he found it disheartening to know there are some who have no desire to become a homeowner. 

“If you’ve seen multiple generations of your family that were only renters and never owned a home, they don’t think homeownership is a possibility for them,” he said. 

He said the best way to encourage young adults into homeownership is through community support to address credit, bankruptcies and other barriers so they can make the adjustments to become eligible to buy a home.

At Milwaukee Habitat for Humanity, Smith said they are teaching individuals how to financially prepare for homeownership. 

According to Smith, it takes about $275,000 for the organization to build a home, and families who participate in the program only pay about $150,000 for their first mortgage. The program provides additional financial support to help keep monthly payments affordable.

“You’ll also get the benefit of building wealth and equity into that,” Smith said. 

Sawyer said she wants young people navigating adulthood to know that although finding stable and quality housing is a challenge, it can be attainable. 

“There are people who are ready to give up because they don’t have the right support around them for their situation,” she said. “Now it’s about moving forward.”

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