30/04/2026
Ada Proposes Affordable Housing Law for Middle Class
(Office of Vice Speaker Tony Ada)--Vice Speaker Tony Ada introduced Bill 306‑38 (COR), a comprehensive housing measure designed to expand the supply of affordable homes for Guam’s working families by incentivizing private-sector development of attainable housing.
The legislation establishes a targeted housing incentive program to support the construction and rehabilitation of single‑family and multi‑family homes for households earning between 50 percent and 150 percent of Guam’s Area Median Income (AMI). Commonly referred to as the “missing middle,” these families often earn too much to qualify for traditional housing assistance yet remain priced out of Guam’s increasingly expensive housing market.
“Bill 306‑38 is about creating real, achievable housing opportunities for the people who keep our island running,” said Vice Speaker Ada. “Teachers, nurses, law enforcement officers, service workers, and many other working families are finding it harder each year to afford a place to live. This measure puts policy in place to help bring housing costs back within reach.”
Under the program, qualifying developers must commit to maintaining affordability standards based on federally recognized income guidelines. Housing costs would be tied to household income rather than market speculation and would remain affordable for a defined period through enforceable agreements.
In addition to expanding access to affordable housing, the measure is expected to generate significant economic benefits by stimulating activity in construction, engineering, and related industries. The resulting development is anticipated to increase local employment, generate tax revenue, and support long‑term economic growth across Guam.
“Based on current projections, this program could support the development of approximately 300 to 350 homes or housing units each year—nearly 1,200 to 1,400 homes over the next four years—depending on market conditions and project mix,” Ada said. “That kind of steady, sustainable pipeline can help stabilize housing costs and expand both homeownership and rental options.”
The legislation includes an annual program cap to ensure fiscal responsibility while still encouraging meaningful private investment. It applies to new construction as well as the rehabilitation of existing housing stock, allowing flexibility to meet diverse housing needs.
“This is a balanced and practical approach,” Ada added. “By partnering with the private sector and setting clear, enforceable standards, we can begin to close the housing gap and provide real relief for our people.”
Bill 306 has been scheduled for a public hearing on Tuesday, April 28, 2026, at 9:00 am. The hearing will be held by the Committee on Finance and Government Operations, chaired by Senator Chris Dueñas who co-sponsored the legislation along with Senators Jesse Lujan, Vince Borja, Joe San Agustin and Shawn Gumataotao.
