Read through planning documents across North America and you're bound to find language that refers to low-rise residential neighbourhoods as "physically stable areas" where the "existing neighbourhood character" is paramount. But to be more precise, what this kind of language is actually saying is not that these neighbourhoods need to be broadly stable; it is saying that they just need to look more or less stable.
Here in Toronto, for example, it has been widely documented that many of our low-rise neighbourhoods are losing people. Household sizes are getting smaller, and houses that used to be subdivided are being returned to single-family use. A similar thing is happening in other cities like New York:

Bloomberg News recently reported that since 2004, at least 9,300 homes have been lost as a result of multi-family buildings getting "rolled up" into single-family homes. More recently, the city has even seen an increase in people combining two or more buildings into large urban mansions.
And while the total number of homes removed is relatively small for New York as a whole, it can be quite impactful to individual neighbourhoods. In the West Village, where there's a high concentration of rowhomes and townhouses, Bloomberg estimates that one out of every six small apartment buildings has been rolled up into a single-family home since 2004!
From a built form standpoint, you could say these are "physically stable" areas that are obediently adhering to their existing neighbourhood character. But under the hood and behind their street walls, they are clearly changing.
It is one of the great ironies of city building. People often fear new development because they worry it might disrupt the character of a neighbourhood. But preventing development does not guarantee stasis. In fact, we know that not building new housing actually increases the pressures felt on a city's existing housing stock, as people compete for a more fixed amount of supply.
The wealthy can always outbid the less wealthy on housing. So if you don't provide any new options, the wealthy will just buy up the existing stuff and turn it into what they want. Alternatively, you can build more housing and create a "moving chain" that frees up more existing housing for people of lower incomes.
Cover photo by Chanan Greenblatt on Unsplash
Map from Bloomberg

The City of Toronto is currently studying ways to increase housing options/supply and planning permissions in areas of the city that are designated as Neighbourhoods in the Official Plan.
These are areas that are sometimes referred to as the "Yellowbelt", because they are seeing very little intensification and, in a number of cases, actually losing population. (They're also colored yellow in Toronto's land use map.)
Ultimately, the goal is to encourage more "missing middle" type housing forms; housing that is denser than single-family homes but smaller in scale than say mid-rise housing like Junction House.
Here are a couple of interesting charts from the City. Based on Toronto's Official Plan, "Neighbourhoods" make up 35.4% of the city's land area.

Read through planning documents across North America and you're bound to find language that refers to low-rise residential neighbourhoods as "physically stable areas" where the "existing neighbourhood character" is paramount. But to be more precise, what this kind of language is actually saying is not that these neighbourhoods need to be broadly stable; it is saying that they just need to look more or less stable.
Here in Toronto, for example, it has been widely documented that many of our low-rise neighbourhoods are losing people. Household sizes are getting smaller, and houses that used to be subdivided are being returned to single-family use. A similar thing is happening in other cities like New York:

Bloomberg News recently reported that since 2004, at least 9,300 homes have been lost as a result of multi-family buildings getting "rolled up" into single-family homes. More recently, the city has even seen an increase in people combining two or more buildings into large urban mansions.
And while the total number of homes removed is relatively small for New York as a whole, it can be quite impactful to individual neighbourhoods. In the West Village, where there's a high concentration of rowhomes and townhouses, Bloomberg estimates that one out of every six small apartment buildings has been rolled up into a single-family home since 2004!
From a built form standpoint, you could say these are "physically stable" areas that are obediently adhering to their existing neighbourhood character. But under the hood and behind their street walls, they are clearly changing.
It is one of the great ironies of city building. People often fear new development because they worry it might disrupt the character of a neighbourhood. But preventing development does not guarantee stasis. In fact, we know that not building new housing actually increases the pressures felt on a city's existing housing stock, as people compete for a more fixed amount of supply.
The wealthy can always outbid the less wealthy on housing. So if you don't provide any new options, the wealthy will just buy up the existing stuff and turn it into what they want. Alternatively, you can build more housing and create a "moving chain" that frees up more existing housing for people of lower incomes.
Cover photo by Chanan Greenblatt on Unsplash
Map from Bloomberg

The City of Toronto is currently studying ways to increase housing options/supply and planning permissions in areas of the city that are designated as Neighbourhoods in the Official Plan.
These are areas that are sometimes referred to as the "Yellowbelt", because they are seeing very little intensification and, in a number of cases, actually losing population. (They're also colored yellow in Toronto's land use map.)
Ultimately, the goal is to encourage more "missing middle" type housing forms; housing that is denser than single-family homes but smaller in scale than say mid-rise housing like Junction House.
Here are a couple of interesting charts from the City. Based on Toronto's Official Plan, "Neighbourhoods" make up 35.4% of the city's land area.

This is an important finding if you're worried about Canadians not having enough babies. But this correlation doesn't tell us exactly what's going on. The data suggests that families with children have a clear preference for ground-oriented ownership — even if it means moving farther out — but what other options do they really have?

Three-bedroom apartments remain a relatively elusive housing type because demand is low. But as we have talked about, demand is a function of price, and multi-family buildings are more expensive to construct than low-rise housing. So how much of this perceived consumer preference for ground-oriented housing is actually just people driving until they qualify?
In other words, how many people are simply solving for X amount of space/bedrooms at Y price? And what would happen if we made large three-bedroom apartments in walkable transit-oriented communities the most affordable option? It still wouldn't be for everyone, but I bet that we would see demand adjust.
More importantly, it would give people options.
Charts from the Missing Middle Initiative; cover photo by Jason Ng on Unsplash
In Toronto's Zoning By-law, the "Residential" category makes up 47.1% of the city's land area.

Digging deeper, 31.3% of Toronto's total area is zoned for only detached houses -- which would mean no missing middle type housing. But 15.8% of the city's total area is already zoned to permit other types of low-rise residential buildings, such as duplexes and triplexes.

So why isn't more of that happening?
As we've talked about before on the blog, the problem is that it is exceedingly difficult to make the math work on projects of this scale, which is why most developers don't want to do them. The web of bureaucracy that you need to navigate in order to build anything in the city is also imposing for non-developers (and developers really).
But to be a developer, I think you need to be an optimist. So I am going to remain hopeful that this study -- and the pilot they want to do in Ward 19 -- will result in a streamlined solution for housing of this scale.
Images: City of Toronto
This is an important finding if you're worried about Canadians not having enough babies. But this correlation doesn't tell us exactly what's going on. The data suggests that families with children have a clear preference for ground-oriented ownership — even if it means moving farther out — but what other options do they really have?

Three-bedroom apartments remain a relatively elusive housing type because demand is low. But as we have talked about, demand is a function of price, and multi-family buildings are more expensive to construct than low-rise housing. So how much of this perceived consumer preference for ground-oriented housing is actually just people driving until they qualify?
In other words, how many people are simply solving for X amount of space/bedrooms at Y price? And what would happen if we made large three-bedroom apartments in walkable transit-oriented communities the most affordable option? It still wouldn't be for everyone, but I bet that we would see demand adjust.
More importantly, it would give people options.
Charts from the Missing Middle Initiative; cover photo by Jason Ng on Unsplash
In Toronto's Zoning By-law, the "Residential" category makes up 47.1% of the city's land area.

Digging deeper, 31.3% of Toronto's total area is zoned for only detached houses -- which would mean no missing middle type housing. But 15.8% of the city's total area is already zoned to permit other types of low-rise residential buildings, such as duplexes and triplexes.

So why isn't more of that happening?
As we've talked about before on the blog, the problem is that it is exceedingly difficult to make the math work on projects of this scale, which is why most developers don't want to do them. The web of bureaucracy that you need to navigate in order to build anything in the city is also imposing for non-developers (and developers really).
But to be a developer, I think you need to be an optimist. So I am going to remain hopeful that this study -- and the pilot they want to do in Ward 19 -- will result in a streamlined solution for housing of this scale.
Images: City of Toronto
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