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    <loc>https://www.affordablestl.com/updates</loc>
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    <lastmod>2022-03-02</lastmod>
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  <url>
    <loc>https://www.affordablestl.com/updates/covid-19-cracked-the-foundation-of-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-02</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1645124490256-ZNI4K97YB9HCP2OVVJOS/Chris+Willcox+headshot+2-17-22.png</image:loc>
      <image:title>Updates - COVID-19 Cracked the Foundation of Housing: We Need New Systems to Guarantee Homes for All - By Chris Willcox</image:title>
      <image:caption>Cecilia Bowers</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/d0338f8f-2b01-4d0e-a00b-beab1fcabab0/Screen+Shot+2022-02-22+at+4.56.21+PM.png</image:loc>
      <image:title>Updates - COVID-19 Cracked the Foundation of Housing: We Need New Systems to Guarantee Homes for All - Make it stand out</image:title>
      <image:caption>St. Louis Council meeting, December 21, 2021</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/updates/conversions-in-st-louis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1cdb59bc-af80-4467-9f9f-81f615e34fbd/Four-family+in+Benton+Park+West+converted+to+two+separate+townhomes+%28from+%40stlrainbow+on+Twitter%29.</image:loc>
      <image:title>Updates - Neighborhood Change and Displacement: The Case for a Conversion Fee in St. Louis - Make it stand out</image:title>
      <image:caption>Four-family in Benton Park West converted to two separate townhomes (from @stlrainbow on Twitter).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/89af513e-9d52-4e89-ac87-f2fe57065d58/Comparison</image:loc>
      <image:title>Updates - Neighborhood Change and Displacement: The Case for a Conversion Fee in St. Louis - Make it stand out</image:title>
      <image:caption>Before and after shots of a two-family building in Tower Grove South bought for $138k in 2012, converted for $100k, and sold this year (2021) as a single-family home for $550k (from NextSTL)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/4d78f6b0-ab33-4068-bd4f-6eda0f2ca49f/Cecilia+Boyers</image:loc>
      <image:title>Updates - Neighborhood Change and Displacement: The Case for a Conversion Fee in St. Louis - By Cecilia Boyers</image:title>
      <image:caption>Cecilia Bowers</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1a472308-22d3-4b51-9d53-5a56fb75e657/Conversion+data+from+Assessor%E2%80%99s+Office+%282016-2020%29</image:loc>
      <image:title>Updates - Neighborhood Change and Displacement: The Case for a Conversion Fee in St. Louis - Make it stand out</image:title>
      <image:caption>Conversion data from Assessor’s Office (2016-2020)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/updates/affordable-housing-is-a-racial-justice-issue</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-11-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1636117602002-76N4855NHUGO3XWS75QU/Sunni+headshot_sq.png</image:loc>
      <image:title>Updates - Affordable Housing is a Racial Justice Issue - Make it stand out</image:title>
      <image:caption>Sunni Hutton</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1636117571619-6DGW5Y3J4VZHCZCA1OUN/lacy+headshot+1_sq.png</image:loc>
      <image:title>Updates - Affordable Housing is a Racial Justice Issue - Make it stand out</image:title>
      <image:caption>Lacy Cagle</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1636117548503-DFUR8FADHPQ5HPAG8FA2/JCB+07.13.2021_sq.png</image:loc>
      <image:title>Updates - Affordable Housing is a Racial Justice Issue - Make it stand out</image:title>
      <image:caption>Jenny Connelly-Bowen</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1636117663522-F1TNHI6CUDRKAZAOVW3Y/Jenn+headshot_sq.png</image:loc>
      <image:title>Updates - Affordable Housing is a Racial Justice Issue - Make it stand out</image:title>
      <image:caption>Jenn DeRose</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/updates/housing-precarity-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629733393921-G51O8AJ16IUOA9WI5FDS/Screen+Shot+2021-08-22+at+4.44.19+PM.png</image:loc>
      <image:title>Updates - Measuring Risk of Displacement - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629731363878-ZF83ZV5S9YMY6BN8UY3Z/Screen+Shot+2021-08-22+at+4.40.51+PM.png</image:loc>
      <image:title>Updates - Measuring Risk of Displacement - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/events-list</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-19</lastmod>
  </url>
  <url>
    <loc>https://www.affordablestl.com/events-list/affordable-housing-in-st-louis-cabanne-and-barr-branch-public-library-session</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-19</lastmod>
  </url>
  <url>
    <loc>https://www.affordablestl.com/events-list/st-louis-affordable-housing-report-card-launch-event</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-12-05</lastmod>
  </url>
  <url>
    <loc>https://www.affordablestl.com/events-list/affordable-housing-in-st-louis-st-louis-county-public-library-virtual-session</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-12-05</lastmod>
  </url>
  <url>
    <loc>https://www.affordablestl.com/events-list/affordable-housing-in-st-louis-university-city-public-library-virtual-session</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-12-05</lastmod>
  </url>
  <url>
    <loc>https://www.affordablestl.com/events-list/affordable-housing-in-st-louis-ferguson-municipal-public-library-virtual-session</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-12-06</lastmod>
  </url>
  <url>
    <loc>https://www.affordablestl.com/events-list/affordable-housing-in-st-louis-brentwood-public-library-virtual-session</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-12-05</lastmod>
  </url>
  <url>
    <loc>https://www.affordablestl.com/deepdive</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-12-07</lastmod>
  </url>
  <url>
    <loc>https://www.affordablestl.com/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2021-12-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629151533592-TDIANP71FI3ZH1V1216G/shutterstock_592973669.jpg</image:loc>
      <image:title>Home - Scoring the St. Louis Region on Affordability</image:title>
      <image:caption>How likely are we to have affordable housing in St. Louis?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1636118974978-USIA80LKUPFGATCWC313/JCB+LC+SH+JD+headshots+combined_r.png</image:loc>
      <image:title>Home - Affordable housing is a racial justice issue</image:title>
      <image:caption>We cannot discuss affordable housing in the St. Louis region without considering race. Read more…</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629412929439-2ZL3YBHWTQNLFH5N17V0/image-asset.jpeg</image:loc>
      <image:title>Home - What do we know about affordable housing?</image:title>
      <image:caption>Learn more about how St. Louis preserves existing affordable housing and builds new affordable housing opportunities. Explore the Report Card in full!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629413133770-5A93UC251CZ6XKTWR4RP/New+Home+Key</image:loc>
      <image:title>Home - How much affordable housing does our region need?</image:title>
      <image:caption>One of the challenges for affordable housing advocates is quantifying the need for affordable housing and setting concrete goals for housing policy and programs. We have developed an affordable housing demand model to quantitatively estimate the number of housing units needed in our region. We welcome you to learn more about the methodology behind the model.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/increasing-quantity</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629925969672-CWL3MEQ2NJNEXQ5XAXUK/Screen+Shot+2021-08-05+at+12.46.52+PM.png</image:loc>
      <image:title>Increasing Quantity - Make it stand out</image:title>
      <image:caption>St. Ferdinand Apartments</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629917657245-065O5B3GC7UN1MCFZWFQ/New+Housing+Construction+in+St.+Louis+City+and+County+2015-2020.png</image:loc>
      <image:title>Increasing Quantity - Make it stand out</image:title>
      <image:caption>Source: State of the City Database Systems Building Permits Database, 2015-2020.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629926203641-277MK83EUY8NLX9H8NE0/LIHTC+Housing+Units+Placed+Into+Service+in+St.+Louis+City+and+County%2C+1987-2019.png</image:loc>
      <image:title>Increasing Quantity - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629927112576-RI5U7YIJJQM8V75V08QL/Screen+Shot+2021-08-25+at+4.31.28+PM.png</image:loc>
      <image:title>Increasing Quantity - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/demand-model-findings</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-10-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631826184572-9A2AXG031VXX0LAZ10ZW/Affordable+Housing+Demand+and+Supply+for+Renter-Occupied+Units+in+St.+Louis+City+and+County.png</image:loc>
      <image:title>Quantifying Need for Affordable Housing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631826302358-08U79A08HDA86KLISXLH/Affordable+Housing+Demand+and+Supply+for+Owner-Occupied+Units+in+St.+Louis+City+and+County.png</image:loc>
      <image:title>Quantifying Need for Affordable Housing - Make it stand out</image:title>
      <image:caption>Data Source: Comprehensive Housing Affordability Strategy and 2019 American Community Survey 5-year estimates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1634675682004-SRMR0X8TO2JS2YCXQGEQ/Screen+Shot+2021-10-19+at+3.34.22+PM.png</image:loc>
      <image:title>Quantifying Need for Affordable Housing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631826690174-NZIED1M9N1HZXOUNM1UE/Affordable+Housing+Demand+and+Supply+for+Renters+by+Bedroom+Size</image:loc>
      <image:title>Quantifying Need for Affordable Housing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631826461010-HKCKDX0NRT62YT3GI291/Affordable+Housing+Demand+and+Supply+for+Renter-Occupied+Units</image:loc>
      <image:title>Quantifying Need for Affordable Housing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631827144228-4OXMXKJN5R8FX8OW780F/Screen+Shot+2021-09-16+at+4.18.51+PM.png</image:loc>
      <image:title>Quantifying Need for Affordable Housing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/grading-methodology</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-09-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1634060839218-1M22IZ6S8BAEDDG8LG86/Rent+Burden+by+Race+in+St.+Louis%2C+2019+%281%29.png</image:loc>
      <image:title>Grading Methodology - Make it stand out</image:title>
      <image:caption>Source: PolicyLink/USC Equity Research Institute, National Equity Atlas, www.nationalequityatlas.org.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1634061621892-KULAOSHV4SBM0HRR0VSG/Housing+Cost+Burden+for+Households+with+Incomes+Under+200%25+Poverty+Level.png</image:loc>
      <image:title>Grading Methodology - Make it stand out</image:title>
      <image:caption>Source: PolicyLink/USC Equity Research Institute, National Equity Atlas, www.nationalequityatlas.org.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1062074e-5df1-4956-8146-d72ffbccc5f5/Housing+Cost+Burden+for+Households+with+Incomes+Over+350%25+Poverty+Level+%281%29.png</image:loc>
      <image:title>Grading Methodology - Make it stand out</image:title>
      <image:caption>Source: PolicyLink/USC Equity Research Institute, National Equity Atlas, www.nationalequityatlas.org.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1634586651066-DI09W1N93FALUY8QMCWG/Screen+Shot+2021-10-18+at+2.50.20+PM.png</image:loc>
      <image:title>Grading Methodology</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1634060786845-PCPSA7ENJ5YHUH04JV46/Housing+Cost+Burden+Rates+by+Race+and+Tenure%2C+2019+%281%29.png</image:loc>
      <image:title>Grading Methodology - Make it stand out</image:title>
      <image:caption>Source: PolicyLink/USC Equity Research Institute, National Equity Atlas, www.nationalequityatlas.org.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629221272568-2B3W1R4636HNKY63J44W/Screen+Shot+2021-08-16+at+10.12.10+PM.png</image:loc>
      <image:title>Grading Methodology</image:title>
      <image:caption>Source: 2019 American Community Survey 5-year estimates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629224810755-B40CGX0SWYB5EWN6M63I/Housing+Cost+Burden+Rates+by+Income+and+Tenure%2C+St.+Louis+City+and+County%2C+2013-2017.png</image:loc>
      <image:title>Grading Methodology</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1634062334266-PAEBMMHWZTC8FUXLP6YD/Housing+Cost+Burden+for+Households+with+Incomes+Under+350%25+Poverty+Level.png</image:loc>
      <image:title>Grading Methodology - Make it stand out</image:title>
      <image:caption>Source: PolicyLink/USC Equity Research Institute, National Equity Atlas, www.nationalequityatlas.org.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629224346476-EG5XHRDNY6A0N0BN0C6G/Housing+Burden.PNG</image:loc>
      <image:title>Grading Methodology</image:title>
      <image:caption>Map: Homeowners with Housing Cost Burden by Census Tract, 2019</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629216789947-9WHB7DXXAJ2BXB11S9M5/Screen+Shot+2021-08-16+at+9.55.52+PM.png</image:loc>
      <image:title>Grading Methodology - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/2a6f0186-b945-41da-9926-e514eb3613fe/Screen+Shot+2022-09-16+at+1.01.13+PM.png</image:loc>
      <image:title>Grading Methodology</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/estimating-affordable-housing-supply</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-09-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1630964784364-IOG2IH11943V0MBYK1NM/Number+of+Housing+Units+by+Monthly+Housing+Cost%2C+St.+Louis+City+and+County%2C+2019.png</image:loc>
      <image:title>Estimating Affordable Housing Supply - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1630964760832-NG4X5ELIPN498NDABQTX/Number+of+Housing+Units+by+Gross+Rent%2C+St.+Louis+City+and+County%2C+2019.png</image:loc>
      <image:title>Estimating Affordable Housing Supply - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1630968456002-VGEMNRBR18NPGL90R9CV/Screen+Shot+2021-09-06+at+5.47.21+PM.png</image:loc>
      <image:title>Estimating Affordable Housing Supply - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1630968319223-9C0CB97CF6U7CUHETM00/Rental+Housing+Units+by+Gross+Rent+and+Bedroom+Count</image:loc>
      <image:title>Estimating Affordable Housing Supply - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1630966678459-32HNMTZ3L659CR2CCIGW/Screen+Shot+2021-09-06+at+4.39.49+PM.png</image:loc>
      <image:title>Estimating Affordable Housing Supply - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1630968235717-B70KA9JDTNRWLRKED2ON/Screen+Shot+2021-09-06+at+5.43.20+PM.png</image:loc>
      <image:title>Estimating Affordable Housing Supply - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/demand-model-methodology</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-11-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1e2827ae-b934-465b-9a31-fe699ec08fab/Defining+Affordability+for+3-person+families</image:loc>
      <image:title>Demand Model Methodology - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631568620100-0DCCW1L4WUTT3BZI73W9/Number+of+Households+by+Tenure+and+Area+Median+Income+in+St.+Louis+City+and+County.png</image:loc>
      <image:title>Demand Model Methodology - Make it stand out</image:title>
      <image:caption>Data Source: HUD’s Comprehensive Housing Affordability Strategy (CHAS), 2020</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/estimating-affordable-housing-demand</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-11-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631828461926-75N6LPI140L5YO8I9SKH/Number+of+Households+by+Income+Level</image:loc>
      <image:title>Estimating Affordable Housing Demand - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631815272739-7Y06ID9LLBPSZJFA0BKA/Share+of+Demand+for+each+bedroom+type</image:loc>
      <image:title>Estimating Affordable Housing Demand - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631829508711-5NI693PLCGLG6WVG8LNC/Housing%2BNeeds%2Bof%2BTwo-Person%2BHouseholds</image:loc>
      <image:title>Estimating Affordable Housing Demand - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631829006279-JM7K5BERE9KI7B4HIYH9/Owner+occupied+households+by+income+and+size</image:loc>
      <image:title>Estimating Affordable Housing Demand - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631829251122-B87BQJ3U7KAN7WFUQ5FX/Rental+households+by+income+and+size</image:loc>
      <image:title>Estimating Affordable Housing Demand - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/b3df6574-e414-470d-a455-9f66e00926ae/Affordable+Housing+Demand+for+Renter-Occupied+Housing+Units</image:loc>
      <image:title>Estimating Affordable Housing Demand - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/maps</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-11-22</lastmod>
  </url>
  <url>
    <loc>https://www.affordablestl.com/financing-for-new-construction</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1630081949113-Q1ZEOH9A6GFTU7VA3XSL/Screen+Shot+2021-08-27+at+11.32.15+AM.png</image:loc>
      <image:title>Financing for New Construction and Homeownership - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1630099354705-89B2Q5HH7HKWT7KTUKL3/Screen+Shot+2021-08-27+at+2.59.43+PM.png</image:loc>
      <image:title>Financing for New Construction and Homeownership - Make it stand out</image:title>
      <image:caption>Data Source: HMDA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629992927342-RPEFCY4HPEQE8ABG72E0/Screen+Shot+2021-08-26+at+10.45.43+AM.png</image:loc>
      <image:title>Financing for New Construction and Homeownership - Make it stand out</image:title>
      <image:caption>New construction affordable housing by Habitat for Humanity, 2021. Photo courtesy of Michael Powers, Habitat for Humanity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1630099526595-R9Y9HWOCEDLBFD5YHBUE/Screen+Shot+2021-08-27+at+4.25.01+PM.png</image:loc>
      <image:title>Financing for New Construction and Homeownership - The Gateway Neighborhood Fund</image:title>
      <image:caption>Source: Gateway Neighborhood Fund</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629992894962-CXQFOKIJHAINB025XJEA/Screen+Shot+2021-08-26+at+10.45.17+AM.png</image:loc>
      <image:title>Financing for New Construction and Homeownership - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629992869150-0RC52U5OKNFYSM7EAN1H/Reasons+for+Home+Loan+Denial+by+Race+in+St.+Louis+City+and+County%2C+2020.png</image:loc>
      <image:title>Financing for New Construction and Homeownership - Make it stand out</image:title>
      <image:caption>Data Source: HMDA</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/financing-for-home-repair-and-rehabilitation</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629754103597-F2EVXPL0TTJUIJPC1L8X/Screen+Shot+2021-07-28+at+6.11.52+PM.png</image:loc>
      <image:title>Financing for Home Repair and Rehabilitation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629754191366-3QNCGFA30XK4FOSAU15C/Screen+Shot+2021-07-28+at+6.32.13+PM.png</image:loc>
      <image:title>Financing for Home Repair and Rehabilitation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629754566302-MU5SS7NSRW8OEXO3QG28/Screen+Shot+2021-08-23+at+4.35.49+PM.png</image:loc>
      <image:title>Financing for Home Repair and Rehabilitation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629753877953-816GFSE44Q4HV3A34IRZ/Screen+Shot+2021-08-23+at+2.51.03+PM.png</image:loc>
      <image:title>Financing for Home Repair and Rehabilitation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629754290742-YY4EKJ6Y6ZEGM55L7FDY/Screen+Shot+2021-08-23+at+4.30.41+PM.png</image:loc>
      <image:title>Financing for Home Repair and Rehabilitation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/120ba83a-5f8a-4f58-a385-b2747bbae656/Physical+improvements+and+maintenance</image:loc>
      <image:title>Financing for Home Repair and Rehabilitation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/supporting-mobility</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629929187856-BCWKI72E299J1FTAE7WY/Screen+Shot+2021-08-25+at+5.05.58+PM.png</image:loc>
      <image:title>Supporting Mobility - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629930036508-LUR3UBCOO0JCYFGRBEXH/Screen+Shot+2021-08-09+at+8.49.16+PM.png</image:loc>
      <image:title>Supporting Mobility - Make it stand out</image:title>
      <image:caption>Source: Ascend STL</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629929527168-5MEM0QG0UB4M89GD3K6U/Screen+Shot+2021-08-25+at+5.11.56+PM.png</image:loc>
      <image:title>Supporting Mobility - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629930122487-HIS011BODX95RRL4YSLQ/Screen+Shot+2021-08-09+at+1.14.52+PM.png</image:loc>
      <image:title>Supporting Mobility - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629929651605-5PJZ2QIE8X15YL6ZACOX/Screen+Shot+2021-08-25+at+5.13.49+PM.png</image:loc>
      <image:title>Supporting Mobility - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/maintaining-quantity</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629239112152-VY13B8TGIMLNE0G5R9N7/Screen+Shot+2021-08-17+at+5.24.51+PM.png</image:loc>
      <image:title>Maintaining Quantity - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629574443658-RF9PL2ULMZFA5U2799VC/Screen+Shot+2021-07-22+at+11.04.02+PM.png</image:loc>
      <image:title>Maintaining Quantity - Make it stand out</image:title>
      <image:caption>Data Source: 2019 American Community Survey 5-year estimates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629410045543-982R7YA8OW0SJGUJ0Z7A/Screen+Shot+2021-08-19+at+4.53.41+PM.png</image:loc>
      <image:title>Maintaining Quantity - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1631638763546-5OR3NYL979TUIDADKHF8/Subsidized+Housing+in+St.+Louis+City+and+County%2C+2019+%281%29.png</image:loc>
      <image:title>Maintaining Quantity - Make it stand out</image:title>
      <image:caption>Source: Snapshot of Subsidized Housing and Low Income Housing Tax Credit Database, U.S. Department of Housing and Urban Development.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629574872996-GIJUPHGYSHMJJ2O5SNIK/Screen+Shot+2021-08-13+at+12.48.15+PM.png</image:loc>
      <image:title>Maintaining Quantity - Make it stand out</image:title>
      <image:caption>Data Source: 2019 American Community Survey 5-year estimates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629250816754-LU3O71KB7TRWOT24VYIR/Screen+Shot+2021-08-17+at+8.39.58+PM.png</image:loc>
      <image:title>Maintaining Quantity - Make it stand out</image:title>
      <image:caption>HUD Snapshot of Subsidized Housing, 2019</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/improving-quality</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629666956427-P08BBS46GNLI5ZSO1LPM/Screen+Shot+2021-08-22+at+4.13.31+PM.png</image:loc>
      <image:title>Improving Quality - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629666296966-PVQWG8VLREDRDKG8VCHQ/Screen+Shot+2021-08-22+at+4.04.31+PM.png</image:loc>
      <image:title>Improving Quality - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629666606394-6SL8BEPTUCVIF9GTLFQ6/EnvironmentalConditions1.png</image:loc>
      <image:title>Improving Quality - Make it stand out</image:title>
      <image:caption>Source: EPA Environmental Justice Screening and Mapping Tool</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/preventing-displacement</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629729452910-UICE8RDYXI6QNP3LV1T7/Circuit+Breaker+Recipients+by+Income+in+St.+Louis+City+and+County.png</image:loc>
      <image:title>Preventing Displacement - Make it stand out</image:title>
      <image:caption>Source: Missouri Department of Revenue</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629730506323-4QZOV84ND8MBGVHB3KOV/Screen+Shot+2021-08-23+at+9.54.55+AM.png</image:loc>
      <image:title>Preventing Displacement - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629670838597-3IKPKK55J5ZFU2VF2WKW/Screen+Shot+2021-08-09+at+10.20.49+AM.png</image:loc>
      <image:title>Preventing Displacement - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629729365997-H89UMH25RID1TDF3F7J9/Housing+Related+Calls+for+Assistance+to+2-1-1+by+Residents+of+St.+Louis+City+and+County%2C+2020.png</image:loc>
      <image:title>Preventing Displacement - Make it stand out</image:title>
      <image:caption>Source: 2-1-1 Counts</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629669240951-W17330G4R7Q5RA04GT9Q/Screen+Shot+2021-08-04+at+1.36.04+PM.png</image:loc>
      <image:title>Preventing Displacement - Make it stand out</image:title>
      <image:caption>Source: 2015 and 2019 American Community Survey 5-year estimates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629670310431-V1A6YMQ9VVCROWFDLK00/Screen+Shot+2021-08-22+at+5.08.29+PM.png</image:loc>
      <image:title>Preventing Displacement - Make it stand out</image:title>
      <image:caption>Source: 21st and 22nd Circuit Court</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/684cc236-36f5-4499-9975-ace962780f55/Residential+pre-foreclosure+filings</image:loc>
      <image:title>Preventing Displacement - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629669027381-K0Y8CUFMTQAG43ALNDRG/Screen+Shot+2021-08-22+at+4.49.59+PM.png</image:loc>
      <image:title>Preventing Displacement - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/9e2c22ae-951a-4a49-88db-eb748da46599/Residentialevictionfilings</image:loc>
      <image:title>Preventing Displacement - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1629670647217-WEUX08M11CAA5X4IGHON/Screen+Shot+2021-08-09+at+10.18.40+AM.png</image:loc>
      <image:title>Preventing Displacement - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.affordablestl.com/take-action</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-02-23</lastmod>
  </url>
  <url>
    <loc>https://www.affordablestl.com/summary</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-11-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60eddb50269142014fbe288a/1634746612443-H7RZ1076SF4NXM4I4XIT/AHTF_ReportCard_101521_Page_01.png</image:loc>
      <image:title>Download Report - About the Report Card</image:title>
      <image:caption>The St. Louis Affordable Housing Report Card provides a road map for evaluating affordable housing needs and allows advocates to assess whether the region is actually making progress toward meeting our affordable housing needs. With generous support from Deaconess Foundation, this report was commissioned by the Community Builders Network of Metro St. Louis for the Affordable Housing Trust Fund Coalition. URBNRX served as the lead consultant on the project with support from Osiyo Design + Engagement.</image:caption>
    </image:image>
  </url>
  <url>
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