"Declining wages have put housing out of reach for many workers: in every state, more than the minimum wage is required to afford a one- or two-bedroom apartment at Fair Market Rent.1 (National Low Income Housing Coalition, 2001). In fact, in the median state a minimum-wage worker would have to work 89 hours each week to afford a two-bedroom apartment at 30% of his or her income, which is the federal definition of affordable housing (National Low Income Housing Coalition 2001). Thus, inadequate income leaves many people homeless. The U.S. Conference of Mayors' 2005 survey of 24 American cities found that 13% of the urban homeless population were employed (U.S. Conference of Mayors, 2005), though recent surveys by the U.S. Conference of Mayors have reported as high as 25%. In a number of cities not surveyed by the U.S. Conference of Mayors - as well as in many states - the percentage is even higher (National Coalition for the Homeless, 1997). When asked to identify the three main causes of hunger in their city, 83 percent of cities cited poverty, 74 percent cited unemployment and 57 percent cited the high cost of housing. (U.S. Conference of Mayors 2008)."
http://www.nationalhomeless.org/factsheets/who.htmlThese statistics are older and the problem is much worse today.
More and more working and unemployed people are living in their cars, vans and trucks. Cities in California and Washington have been setting up safe parking lots for folks who can't afford to rent because of either low payed work or unemployment. Most shelters are run like prisons so living in a vehicle is preferred by many.
Credit crunch forcing US middle classes to live in their cars
http://www.guardian.co.uk/world/2008/jun/26/usa.creditcrunchLast Refuge for the Homeless: Living in the Car
"It's no fun living in your car," says Mike, a lighting specialist in the Los Angeles entertainment industry who has been out of work for a year. One of his last jobs was the Academy Awards show. "I don't have a job right now, in part because of my situation. Did you know that 50% of people who are homeless and living in their cars have jobs?" He keeps his vehicle registration current and parks his van on side streets on L.A.'s west side and in the San Fernando Valley. "You want to park where it is safe and inconspicuous. Not a busy street where someone might plow into you, and not a place where the bums will bother you," Mike says. "If the police hassle you, they'll impound your car and you'll lose everything. I don't want to find out."
http://www.time.com/time/nation/article/0,8599,1963454,00.htmlThis problem will explode when the emergency unemployment compensation programs run out for people. Jobs aren't coming back in any real numbers for years. Unemployment benefits won't last forever.