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<br /> <br />3. <br /> <br />Families or Individuals <br />At-Risk of Homelessness <br /> <br />. Are housed, but housing is unstable <br />. Working but earn less than 30% of area <br />median income <br />. Minimum job skills, minimum savings <br />. Pay more than 50% of income for rent <br />and utilities <br />. Often occupy overcrowded housing <br />and/or substandard housing <br />. May struggle with complex health and <br />social needs <br />