New Homes for Old

by Sophonisba Preston Breckinridge

Attention may be called to certain devices that are urged by experienced architects in the matter of the use of land. For example, in the Morgan Park, Minnesota, development of the Illinois Steel Company, the architects have developed interesting plans in connection with their low-cost houses. These are all group houses, with a front space opening on an attractively planned street. At the rear of the house is a latticed porch—a small area graveled, but not grassed—and then the alley. Across the alley is the rear garden, which may thus be fenced in and kept separate from the house lot.

A COMMUNITY PLAN SUBMITTED BY MILO HASTINGS IN THE AMERICAN HOUSING COMPETITION, 1919, SHOWING THE U VARIATIONS, THE BACK SERVICE STREET, THE PROVISION FOR REAR GARDENS, AND THE OPEN AREAS ON WHICH ALL THE HOUSES WILL FRONT
(Reprinted by permission from the Journal of the American Institute of Architects, June, 1919)

Interesting suggestions on this point are to be found in the two articles, to which prizes were given by the American Institute of Architects in the June and July, 1919, numbers of their journal. There is much experimentation yet to be done, as the question of the separate house with its separate plot of ground is by no means a settled one. It is particularly desirable that the interest of the foreign born be enlisted, both that they may contribute to the solution of the question and that they may become acquainted with all the possibilities of access to the land which are being worked out.

In spite of some defects and the need for further experimentation along the lines suggested above, there is no doubt that the projects of Massachusetts and of the Federal government mark a very real advance. The most pressing need is to construct a sufficient number of these houses so that they may be available for immigrant groups. One means of doing this is by the employer's building houses for the workers to buy or to rent. Although this has sometimes been found to help solve the housing situation, factors may enter that limit its usefulness. The industrial relationships between employer and employee may be such that subsidy for housing by employer would hinder rather than help. Where a community is largely comprised of one industry it may be very unwise for the industry to go so far toward the control of community affairs. Labor unrest in the northern iron ranges can be traced in part to such company provision of housing and sanitation.

The limited dividend company, organized not for profit, and operating under the careful supervision of a governmental department, is another solution. This agency has been particularly successful in Massachusetts under the stimulus as well as under the supervision of the Massachusetts Homestead Commission, and is undoubtedly capable of further development.

GOVERNMENT BUILDING LOANS

Another possibility is that the local or state government advance the money and enable the worker to buy his own home. That is the plan adopted by the Massachusetts Homestead Commission in its experiment at Lowell. It is also one of the policies adopted by the Canadian government, which will loan money to provincial governments to be advanced for building houses on land owned (a) by the provincial or municipal government, (b) by the limited dividend company, (c) by the workman himself. This latter plan would probably commend itself most readily to the foreign-speaking groups.

Direct loans by the local government to the worker are advocated in the careful and thorough plan worked out by Mrs. E. E. Wood.[17] One suggestion is a proposed amendment to the Postal Savings Law, authorizing loans from postal savings deposits to workers with annual incomes not in excess of twelve hundred dollars. The investigation of the application is to be in the hands of the nearest local housing board. A suggested amendment to the Farm Loan Act is that housing loans be made by the Farm Loan Board on the same terms on which farm loans are now authorized. It is interesting to note that this plan contemplates the continued activity of the building and loan associations with which the foreign born are already familiar. It suggests that the first loan be given by the government and the association be content with a second mortgage, receiving in return the greater stability that is secured from a transaction carried on under governmental supervision.