Land Use & Zoning
What is 'urban renewal' and how has it affected Illinois communities?
AA federal program requiring Illinois cities to demolish all buildings over 50 years old
BGovernment programs to redevelop deteriorated urban areas, historically including clearance of low-income neighborhoods; now more focused on rehabilitation and community development✓ Correct
CA state program providing tax incentives for urban farming
DA Chicago ordinance requiring building facade improvements in commercial areas
Explanation
Urban renewal programs have had complex histories in Illinois cities. Mid-20th century programs often demolished low-income (frequently minority) neighborhoods for highways, universities, and housing projects, displacing communities.
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Key Terms to Know
Adjustable-Rate Mortgage (ARM)
A mortgage with an interest rate that changes periodically based on a financial index, usually after an initial fixed-rate period.
Net Operating Income (NOI)The annual income generated by an income-producing property after subtracting operating expenses, but before debt service.
ZoningLocal government regulations that control land use by dividing areas into zones specifying permitted uses, building sizes, and densities.
VarianceOfficial permission to use land in a way that does not conform to the applicable zoning ordinance, granted by a zoning board when strict enforcement would cause undue hardship.
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