Comparisons with Other Organizations

Understanding how the Topeka Community Land Trust model differs from and complements other affordable housing approaches.

Important Note

This comparison is not intended as a guide for donors to pick a specific charity. The Topeka Community Land Trust aims to have minimal overlap with existing initiatives and to complement them, particularly by providing a pathway for transitioning people to "missing middle housing" — affordable, quality homes for those who earn too much for traditional assistance.

The information on this page is intended to be accurate and neutral. If you notice any errors, please contact us and we will update the page promptly.

How We Compare

Community Land Trust vs. The Status Quo

When houses in our neighborhoods become vacant, they often become targets for outside investors. The Community Land Trust model provides an alternative that prioritizes community stability and affordable homeownership.

Current Housing Market Challenges

  • Vacant homes frequently purchased by speculators for "flipping" — with cosmetic renovations driving up prices without necessarily addressing structural issues
  • Remodeling efforts often follows "trends" that do not respect the historic nature of the homes.
  • Property management companies converting traditionally owner-occupied homes into rental properties
  • Loss of affordable housing stock as homes are upgraded beyond affordability for moderate-income families
  • Full purchase price includes both land and home, creating higher barriers to entry
  • No protection against displacement when neighborhoods undergo gentrification
  • No restrictions on future sale price, allowing rapid increases in housing costs

Community Land Trust Model

  • Acquires existing homes before they become targets for speculation or rental conversion
  • Makes minimal renovations that prioritize long-term sustainability and affordability
  • Purchase price includes home only, with a nominal ground lease for the land
  • Significantly lower entry costs, making homeownership accessible to families otherwise priced out
  • Shared appreciation model that balances equity building with preserving affordability
  • Long-term affordability preserved through resale formulas, preventing speculation
  • Maintains neighborhood stability with owner-occupied homes rather than investor-owned rentals
  • Ongoing stewardship and support for homeowners

Compared to Cornerstone of Topeka, Inc.

Cornerstone has been serving the Topeka community since 1987, beginning with a short-term Transitional Housing Program and expanding in 1990 to provide permanent affordable housing. While both organizations aim to address housing needs, our approaches and target populations differ:

Cornerstone of Topeka

  • Rental-based model with 179 housing units (homes, duplexes, and fourplexes)
  • Dedicated to very low-income families
  • 23 units specifically for homeless population with very low rent and utilities paid
  • Approximately 80% of tenants receive no rent subsidy
  • No equity accrual for residents
  • Focuses on immediate housing needs and transitional support

Topeka Community Land Trust

  • Homeownership model with land leased from the trust
  • Serves moderate-income families (40% to 120% of area median income)
  • Residents build equity through homeownership
  • Focus on long-term affordable housing preservation
  • Shared appreciation model balancing wealth building and affordability
  • Maintains permanently affordable housing stock

Our organizations serve complementary roles in Topeka's housing ecosystem. Cornerstone provides critical rental housing for very low-income families and individuals experiencing homelessness, while the Topeka Community Land Trust focuses on creating pathways to homeownership for moderate-income families who might otherwise be unable to purchase homes. Together, our organizations help address housing needs across a broader spectrum of income levels.

Compared to Habitat for Humanity

While we share many goals with Habitat for Humanity, our approaches differ in important ways:

Habitat for Humanity

  • Focuses primarily on new construction
  • Household income must not exceed 60% of the area median income
  • Homeowners contribute "sweat equity"
  • One-time affordability without permanent restrictions

Topeka Community Land Trust

  • Focuses on existing housing stock renovation
  • Serves moderate-income families (40% to 120% of area median income)
  • No sweat equity requirement
  • Permanent affordability through the land trust model

We view our work as complementary to Habitat's efforts, addressing different segments of the affordable housing challenge in Topeka. While Habitat primarily serves families at or below 60% of the area median income, the Topeka Community Land Trust's broader income range (40% to 120% of AMI) helps fill the "missing middle" gap in affordable housing options.

A Natural Next Step

CLT homes make an excellent "step up" for established Habitat homeowners. After 5-10 years in a Habitat home, families often build equity, improve their financial situation, and may need larger housing as their families grow. The Community Land Trust provides an ideal pathway for these families to leverage their equity while maintaining the benefits of affordable homeownership.

Compared to SENT Topeka

SENT Topeka is an intentional community focused on the Hi Crest area. While both our organizations work to improve Topeka neighborhoods, our approaches and focus areas differ significantly:

SENT Topeka

  • Focuses exclusively on the Hi Crest neighborhood
  • Broader mission including community health and wellness
  • Emphasis on building loving relationships and trust among neighbors
  • Mix of rental properties and other community initiatives
  • Relies on donations, rental income, and land grants
  • Holistic approach to community development

Topeka Community Land Trust

  • Works across multiple Topeka neighborhoods
  • Explicit mission to promote equity and counter gentrification
  • Focus on preventing displacement of existing residents
  • Exclusively owner-occupied homes building intergenerational wealth
  • Self-sustaining model through ground leases and shared equity
  • Structural approach to addressing housing inequities
  • Donations primarily used for administrative costs and special projects

SENT Topeka's approach emphasizes building social capital through loving relationships within a specific neighborhood, creating a strong support network among residents and local organizations. The Topeka Community Land Trust, in contrast, has an explicit focus on equity and countering gentrification across multiple neighborhoods, using a structural approach to preserve affordability and prevent displacement. While SENT focuses on comprehensive community development, the Land Trust specifically addresses systemic housing inequities through permanently affordable homeownership. Both approaches play vital roles in creating stronger, more equitable communities in Topeka.

Compared to City Initiatives

Topeka's Planning Commission has recently been discussing zoning law changes with the explicit goal of increasing the number of multiplexes. While increasing housing density can be beneficial in some contexts, these changes may have unintended consequences for established neighborhoods:

City Zoning Initiatives

  • Focuses on increasing housing density through multiplex development
  • May lead to rapid rent increases as developers seek returns on investment
  • No provisions to ensure new units remain affordable long-term
  • Risk of disrupting established neighborhood character and community bonds
  • Can accelerate gentrification when implemented without equity protections
  • Benefits primarily flow to developers and property investors
  • Existing residents may face displacement as property values and taxes rise

Topeka Community Land Trust

  • Preserves existing housing stock while maintaining neighborhood character
  • Creates permanently affordable housing that cannot be used for speculation
  • Protects residents from displacement due to rising costs
  • Balances neighborhood stability with gradual, community-led evolution
  • Benefits flow directly to moderate-income residents through affordable homeownership
  • Builds community wealth through homeowner equity rather than investor profit
  • Ensures housing remains affordable for future generations, regardless of market trends

While the city's zoning initiatives aim to address housing supply through market-based mechanisms, they often fail to consider the long-term implications for community stability and affordability. When neighborhoods become more desirable through increased density and investment, without adequate protections, long-time residents—especially renters and those on fixed incomes—often face rising costs that force them to relocate.

A Balanced Approach

The Topeka Community Land Trust believes that zoning changes can be beneficial when implemented with strong equity protections. We advocate for policies that include permanent affordability requirements, anti-displacement measures, and community benefits agreements to ensure that neighborhood improvements benefit existing residents rather than displacing them. Without these safeguards, well-intentioned density initiatives may accelerate gentrification rather than create truly inclusive communities.

A Vision for Housing Justice

Every family deserves the stability and dignity that comes with a safe, affordable home. Yet for too many in our community, this fundamental need remains out of reach.

The Topeka Community Land Trust stands at this critical intersection—not just providing houses, but creating homes that anchor families for generations.

While other vital organizations address immediate housing crises or serve specific populations, the Land Trust model offers something unique: a structural solution to the cycle of speculation and displacement that has historically undermined community stability and perpetuated inequality.

Future Collaborations

The Topeka Community Land Trust doesn't aim to replace other housing programs but to complement them as part of a comprehensive housing solution for our community. We seek to collaborate with:

  • City housing departments and initiatives
  • Existing neighborhood improvement associations
  • Local housing nonprofits and developers
  • Social service agencies serving housing-insecure populations
  • Financial institutions offering affordable mortgage products