A $358 million capital plan,
with no housing in it.
Say so on November 16.

Public hearing on the capital plan  ·  MON NOV 16 · 7:00 PM · COUNCIL CHAMBERS OR ZOOM

The Council adopted a Housing Action Plan on September 28. The six-year capital plan published six weeks later funds no housing project. Its only land acquisition line — $500,000, programmed for 2031 — is restricted to conservation.

From blueprint to built: a site plan at left resolving into a workforce apartment building under construction and complete, on a sunny street

PERMANENTLY AFFORDABLE WORKFORCE HOUSING — LIKE
RUTH LEWIN GRIFFIN PLACE ON COURT STREET

Where the plan stands

Draft · July › Public input · Sept 10 & 23 › ✓  Adopted · Sept 28 › Capital plan · no housing in the draft › Public hearing · Nov 16 › Progress report · not scheduled

Reviewed against the adopted plan and the draft capital plan · 11 November 2026

The Council adopted Portsmouth’s first Housing Action Plan on September 28. Six weeks later the city published its six-year capital plan: $358 million, and no housing project in it. The only land acquisition line is $500,000 programmed for 2031, restricted by its own description to land “protected for conservation and recreation.”

Part of that is the calendar. The capital plan’s deadline for resident requests was September 18 — ten days before the housing plan was adopted — so no resident could have asked for a housing line citing it. But city staff compiled the draft between October 8 and November 6, a month after adoption, and added nothing. The window that is still open is November 16, the joint public hearing. The Planning Board votes to recommend on November 19; the Council adopts on December 7.

Adopted in September. Unfunded in November.

Most of the plan’s 19 actions make it easier or cheaper to build. Only two keep a home affordable over time, and adoption did not change that count. Portsmouth already knows how: Ruth Lewin Griffin Place on Court Street is what it looks like — the waiting list runs into the hundreds — and the approach the city chose for the Sherburne School is how it gets built: city land, a nonprofit builder, affordability that doesn’t expire.

That approach uses land the city already owns, so it needs no capital appropriation at all — it needs a decision. What the capital plan can do is stop pointing its only land line exclusively at conservation, and the Housing Trust Fund’s recurring revenue is an operating question for the January budget session. Three asks, three different instruments. Naming the right one is what makes them answerable.

Say this — in the Council’s contact form, or at the mic

“I support the Housing Action Plan the Council adopted on September 28. The draft capital plan contains no housing project, and its only land acquisition line — $500,000, programmed for 2031 — is restricted to conservation. Before the Council adopts the plan on December 7, please make that line available for housing as well, and bring the Housing Trust Fund’s recurring revenue to the January 13 budget session.”

For the contact form, add: Please include this comment in the public record.

November 12 is a work session: the Council and Planning Board may request changes there, but it takes no public comment. November 16 is the joint public hearing, and it is the one to come to. The contact form reaches all nine councilors — three of them sit on the Committee — and goes into the Council’s public record when it includes your name and address. If you rent your home, say so: the plan has no other way of hearing from you.

What’s in the plan

Nineteen actions — mostly changes to zoning that make it easier to build, plus tax incentives and a housing fund. Most of it is worth doing. Start with the one-page version; open the explorer if you want every action, what it does, and how it scores.

The 19 actions in plain English · one page (PDF) Preview of the Housing Action Plan Explorer: the plan's nineteen actions with status and scoring Open the Housing Action Plan Explorer — the 19 actions, scored

Also: the detailed scorecard (PDF) · the city’s full staff draft (PDF)

What’s missing

Does this produce a home that is still affordable in twenty years?

Only 2 of the plan’s 19 actions pass that test — not nearly enough to make a difference. Tax breaks expire, and the market reprices everything else at resale. Ruth Lewin Griffin Place on Court Street shows what lasting affordability looks like; the approach the city chose for the Sherburne School shows how to produce it: city-owned land, a nonprofit builder, and a permanent covenant. The plan, adopted September 28, still doesn’t make that standing practice — and the capital plan published six weeks later contains no housing project at all.

What to ask for

The one ask

Make it the city’s standing practice to build permanently affordable workforce housing on land the city already owns — and name the first site. This needs no capital appropriation. It needs a decision.

Four more, if you’re up for it
1 Publish the full inventory of city-owned land that could hold housing
2 Real numbers in the plan’s metrics — targets, not units of measurement
3 A recurring revenue source for the Housing Trust Fund — an operating question, so the January 13 budget session is where to ask
4 Co-living in more districts — with a manager rule small buildings can afford. Our co-living guide →

The city’s own study backs this up

A study the city commissioned — its Workforce Housing Evaluation, dated August 31, 2025 and released to the public with the September 10 meeting packet — finds the incentives on the books are unlikely to produce workforce homes on their own. The reason is simple math. An apartment a working family can afford brings in less rent than it costs to build and run — each one comes up roughly $22,000 to $46,000 short. That shortfall is about what the land under it costs: the same study puts land at $25,000 a unit across most of the city and $50,000 downtown. When the city contributes land it already owns, the gap closes — the homes stay affordable for good, and property taxes are not the source. The draft capital plan published this month carries a $500,000 land acquisition line. Its own description restricts it to land “protected for conservation and recreation.”

Close readers: the study and the plan, side by side (PDF) · the full study, on the city’s site (PDF)

What can I do? Be at the capital plan hearing on November 16.

Two minutes is enough. Paste the sentences below into the Council’s contact form — one message reaches all nine councilors, three of whom sit on the Housing Committee, and it goes into the public record with your name and address. Better still, come on November 16: that is the joint public hearing on the city’s six-year capital plan, and it is where the public speaks on the record. The Planning Board votes to recommend on November 19 and the Council adopts on December 7, so after next week the content is settled. If you rent your home, as half of Portsmouth does, say so — you’re the main beneficiary of this work, and the plan has no other way of hearing from you.

Affordable at the area median income $2,428 /mo One-bedroom, 100% AMI · HUD, via the city’s study
Asking rent, Nov 2026 $2,725 /mo One-bedroom, composite of five sources · Housing Snapshot →

A household earning exactly the area median cannot afford the typical one-bedroom in Portsmouth today. On these figures a studio is the largest home that still fits.

“I support the Housing Action Plan the Council adopted on September 28. The draft capital plan contains no housing project, and its only land acquisition line — $500,000, programmed for 2031 — is restricted to conservation. Before the Council adopts the plan on December 7, please make that line available for housing as well, and bring the Housing Trust Fund’s recurring revenue to the January 13 budget session.”

For the contact form, add: Please include this comment in the public record.

Sources: City of Portsmouth Housing Action Plan, adopted by the City Council Sept. 28, 2026; RKG Associates, Workforce Housing Evaluation for the City of Portsmouth (Aug. 31, 2025), released with the Housing Committee meeting packet of Sept. 10, 2026; maximum affordable rent by bedroom from HUD FY2025 income limits for Portsmouth, as reproduced in that study; asking rent from the Progress Portsmouth Housing Snapshot, Nov. 10, 2026; draft FY2028–FY2033 Capital Improvement Plan as published for the Nov. 12, 2026 joint work session, and the City's Capital Improvement Plan process page. Created with AI assistance in research and information design, with human editorial control.

When you have more time

The deep end: interactive tools, the monthly Housing Snapshot, plain-language guides, and the research behind everything above. It'll be here after the hearings, too.

Already legal today  ·  no hearing required

Three homes where there was one.

While the big decisions get made at City Hall, ADUs and second units are by right on your street now. We condensed 40 pages of city rules into one guide.

Read the ADU guide →
Left: a blueprint site plan of one lot showing the main house, a second unit, and a backyard ADU. Right: the same lot built — a Portsmouth house with an exterior stair to a second-floor unit and a small cottage behind it, on a sunny street
ONE LOT MAIN HOUSE + SECOND UNIT + ADU
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