Business & Economy

LA housing: A tale of 2 seniors

Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. Ross and Rubin are two of many seniors around Los Angeles who are living together as a way to save money.
Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. Ross and Rubin are two of many seniors around Los Angeles who are living together as a way to save money.
Maya Sugarman/KPCC
Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. Ross and Rubin are two of many seniors around Los Angeles who are living together as a way to save money.
Roommates Lois Rubin, 66, left, and Shirley Ross, 95, stand in the music room in Ross' West Los Angeles home. Ross first bought the home with her husband 53 years ago. “I refer to Lois as my roomie,” Ross said.
Maya Sugarman/KPCC
Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. Ross and Rubin are two of many seniors around Los Angeles who are living together as a way to save money.
Lois Rubin is a vegetarian while Shirley Ross is a self-proclaimed carnivore. Rubin moved in one month ago. She's taken Ross to the doctor’s and they often go grocery shopping together.
Maya Sugarman/KPCC
Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. Ross and Rubin are two of many seniors around Los Angeles who are living together as a way to save money.
Shirley Ross, 95, stands in her bedroom where a photograph of her late husband. Ross spent nine years of living alone until Louis Rubin moved in one month ago. “I just decided it’s kind of lonely and I realized it would be nice having someone here,” Ross said.
Maya Sugarman/KPCC
Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. Ross and Rubin are two of many seniors around Los Angeles who are living together as a way to save money.
Shirley Ross, 99, uses a magnifier to read things like the newspaper every morning. Ross and Lois Runin were connected through Affordable Housing for the Aging.
Maya Sugarman/KPCC
Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. Ross and Rubin are two of many seniors around Los Angeles who are living together as a way to save money.
Shirley Ross leaves to go to the grocery store with her new roommate, Louis Rubin, on Monday afternoon, July 6, 2015. When Ross bought this house in 1962, it was $32,000. “Now I have agents at the door that want to sell it," Ross said. "And the last estimate I got was $1.4 million. Can you imagine?”
Maya Sugarman/KPCC
Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. Ross and Rubin are two of many seniors around Los Angeles who are living together as a way to save money.
Lois Rubin, 66, left, and Shirley Ross, 95, go to the grocery store together on Monday afternoon, July 6, 2015 in West Los Angeles. The city is one of the hardest places in the country to find affordable housing, but it can be especially tough for seniors on fixed incomes.
Maya Sugarman/KPCC
Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. Ross and Rubin are two of many seniors around Los Angeles who are living together as a way to save money.
“I was paying over $1,600,” said Lois Rubin of her last apartment. “They wanted over $1,700. You know, it’s a little bit too steep for me."
Maya Sugarman/KPCC
Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. Ross and Rubin are two of many seniors around Los Angeles who are living together as a way to save money.
Roommates Shirley Ross, 95, left, and Lois Rubin, 66, grocery shop on Monday afternoon, July 6, 2015. The Affordable Housing for the Aging program in LA has paired off thousands of seniors since it was founded in the late 1970s.
Maya Sugarman/KPCC


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A few blocks from the roar of the 405 in a quiet West L.A. neighborhood, brand-new roommates Shirley Ross and Lois Rubin are getting to know each other.

Rubin, who sports a short, dyed hairdo, is into blues, jazz and rock ‘n roll. Ross loves classical music. Rubin is vegetarian.  Ross, who stands 4-foot-9, is a self-proclaimed carnivore.

Having a roommate is coming later in life for both of them —Ross is 95, and Rubin is 66 — but both are embracing the set-up.

“I refer to Lois as my 'roomie,'” Ross said.

Seniors around Los Angeles are living together as a way to save money. The city is one of the hardest places in the country to find affordable housing, but it can be especially tough for older adults on fixed incomes.

“I was paying over $1,600,” said Rubin of her last apartment. “They wanted over $1,700. You know, it’s a little bit too steep for me.

Rubin found a room for $550 a month at Ross’ house through a roommate-matching service provided by the non-profit Affordable Living for the Aging. Ross decided to rent a room in her Westdale home after nine years of living alone after her husband died.

“I just decided it’s kind of lonely, and I realized it would be nice having someone here,” Ross said.

Boomers facing financial challenges

Rubin and Ross could have gone through sites such as Craigslist or Roommates.com. But Affordable Housing for the Aging is one of a dozen or so programs around the country that specially matches seniors with homes and seniors who need homes.

Renters get a break on rent if they agree to help out around the house. Typically, it is younger seniors — baby boomers such as Ross — who benefit from this housing arrangement.

“The 'younger' older adults, they’re not in as great a position financially as their predecessors were at their age,” said Jennifer Molinsky, a senior research associate at Harvard’s Joint Center for Housing Studies.

Molinsky said a growing number of boomers are facing “more stagnating income" than seniors a generation older.

“They’ve lost wealth in the recession,” Molinsky said. “Their homeownership dipped in the recession and is unlikely to restore itself by the time they retire.”

Rubin wanted to buy a home. But after she lost her secretary job in the recession, that option slipped away. She was 60 at the time.

“Employers want very young people, so that was going to be my last time of working full-time,” Rubin said.  

A need for more rooms

The program in L.A. has paired off thousands of seniors since it was founded in the late 1970s. But program director Rachel Caraviello said demand picked up during the recession and has remained strong as housing costs have climbed.

Today, for every homeowner with a room to spare, there are 16 people waiting to rent it.

“We had a lot more seniors who were renting, and their landlords were being foreclosed on, and they were calling us because they couldn’t afford to wait three years on a subsidized housing list,” Caraviello said. “There’s not as many foreclosures, but the housing production and the housing supply isn’t getting any better," Caraviello said.

A 2013 analysis by her agency and the University of Minnesota’s Population Center looked at how many seniors were living alone with an extra bedroom. The results showed that if even 10 to 15 percent of these people opened up their homes, it would add thousands of new housing units to the current supply.
 
Caraviello said the roommate-matching program needs more people like Ross. Ross has lived in her home since 1962. It's where she and her fabric salesman husband raised their son, and filled the rooms with his sculptures and antique clocks he repaired. She said they paid off the mortgage years ago.  

“This house was $32,000,” Ross said. “Now I have agents at the door that want to sell it. And the last estimate I got was $1.4 million. Can you imagine?”

Shirley says she could sell and get rich, but she doesn’t want to leave her house. That’s an increasingly common sentiment as Americans live longer, more active lives, Caraviello said.

“They see their alternatives as having to downsize or move in with adult children which they don’t want to do, or move into some sort of facility or retirement community,” Caraviello said.  

Living with Rubin is helping Ross to maintain her independence. In their month together, Rubin’s taken Ross to the doctor’s and they go grocery shopping together.

On a recent trip, she asked Rubin to reach items on taller shelves and read the label on a package of boneless cross-rib roast.

“How much is it?” Ross asked.

 It was $9.94 cents.

“For a pound and a half. That’ll be OK,” said Ross as she took the roast.

The two roommates used the same cart but kept their items separate. After just a month together, they’ve already got a routine down.