THRIVE is an innovative program launched in 2021 to address housing affordability and increase empowerment for households on Cape Cod. THRIVE supports workers in essential industries who are struggling to afford their housing due to the high cost of living on Cape Cod. This program helps bridge the gap between housing costs and financial stability.
Who is Eligible?
- Have at least one household member working in an essential industry or living in the Town of Brewster. Essential industries include childcare, disability care services, education and nonprofit workers.
- Invest in working with a housing counselor on financial goals.
- Currently be paying more than 30% of their income toward rent.
- Be living in a unit governed by a written lease or rental agreement.
- Not currently be receiving rental subsidies through another program.
- Not be living in a housing unit owned by a relative, unless approved through admin review.
THRIVE is proudly supported through a combination of donations from the United Way, United Way Board, and Bilezikian Family Foundation, and American Rescue Plan Act (ARPA) funds.
Examples of Past Participant Goals
- Catch up on past-due rent/utility bills and begin paying on time regularly.
- Start paying down credit card debt and break the cycle of only paying minimum payments.
Improve Financial Health
- Improve credit
- Modify and establish a budget within current income
- Start a savings account
- Save for emergencies
- Continue my education
- Set up automatic deductions from my pay (even $1 per week)
- Purchase a house (within 2, 5, or 10 years)
- Find a more affordable/secure rental home.
What does a shallow subsidy mean?
A shallow subsidy is a fixed flat amount paid toward the household’s rent each month on behalf of the tenant. The tenant is responsible for paying the remainder of the rent each month. Unlike a housing voucher, the subsidy amount is not tied to the tenant’s income and any income changes that may occur.
What is an essential industry in this program?
Essential Industries currently include households that have at least one member working in Childcare, Disability Care Services, Education, or Nonprofit sector. Please stay tuned for updates as we work on expanding this program.
What goals can I work on with the Housing Counselor?
A Housing Counselor will work with eligible participants on individualized financial or housing-related goals. This may include starting or increasing a savings account, paying down debt, preparing for homeownership, and/or improving credit. Program participants set goals with a housing counselor during an intake meeting.