Fort Collins envisions a housing system that provides housing options for all residents regardless of income, age or life stage. The study that forms the foundation of this plan, the Housing Affordability Policy Study (HAPS), looked at Fort Collins’ entire housing inventory and system. HAPS found the City has gaps in affordable housing inventory at all income levels, but the biggest need was for the lowest wage earners. HAPS also showed that many middle-income households are spending more on housing and earning less. With increasing housing costs and stagnant wage growth, households all along the affordable area median income (AMI) spectrum need help with affording housing.