Special Topics
Addressing behavioral health concerns (i.e., mental health and substance use disorders) is a significant priority across communities in the United States (US). Approximately 20% of U.S. youth and adults experience a diagnosable mental illness each year, while substance use disorders affect about 10% of adolescents and 17% of adults (CDC, 2025; SAMHSA, 2024). Despite this substantial need, nearly half of adults with mental illness and many adolescents do not receive treatment, and most individuals with substance use disorders also remain untreated (SAMHSA, 2024). These challenges have only grown over the past decade, with increasing rates of mental health conditions and substance use disorders observed prior to and during the COVID-19 pandemic (SAMHSA, 2024; CDC, 2023; Office of the Surgeon General, 2021). Consistent with national trends, local data from Connecticut reflect similar patterns, including increasing mental health needs and ongoing substance use concerns (Connecticut DMHAS, 2025).
The 2020 Needs Assessment identified behavioral health services as a key unmet need in the community. Survey respondents ranked counseling as the area with the greatest gap between need and available services, a finding reinforced by qualitative interviews that highlighted growing behavioral health concerns and the anticipated health impacts of social isolation during the COVID-19 pandemic. Survey respondents also expressed concerns about behavioral health stigma and the behavioral health needs of specific populations (e.g., youth), further emphasizing the need for accessible and targeted behavioral health services.
In general, Greenwich residents’ concerns regarding behavioral health care and related issues are consistent with state- and national-level trends. However, behavioral health needs can vary substantially across and within communities, underscoring the importance of local data. Thus, the aim of this exploratory investigation was to better characterize current behavioral health needs in Greenwich by gathering diverse community perspectives. We employed a mixed-methods approach, including quantitative survey data and qualitative interviews, to explore both specific concerns (e.g., barriers to care, youth needs, stigma) and broader factors affecting the community.
Survey Analysis
The mental health deep dive team analyzed online survey data on mental health and substance use using quantitative methods (i.e., descriptive and inferential statistics). Specifically, participants answered questions about service needs in the community, stigma, and personal mental health treatment and perceived affordability.
All participants were asked to select service categories they believed were not being met in their community (i.e., housing affordability, mental health, early childhood education, childcare, physical health, substance use, senior care, and “other”). Participants were instructed to select as many categories as they wanted to. Of 785 participants who responded to this question with at least one service category selected, 284 (36.2%) selected “mental health” and 139 (17.7%) selected “substance use.” In terms of overall ranking, these percentages put mental health as the #2 highest rated need (behind housing affordability) and substance use as the #6 highest rated need.
Service Needs – Perceived Service Needs
All participants responded to two commonly used stigma items used in previous online surveys (Kobau et al., 2010). One statement was about a dangerousness stereotype (i.e., “I believe a person with mental illness is a danger to others”) and the other statement was about recovery belief (i.e., “I believe a person with mental illness can eventually recover”). Both statements were rated on a 5 point Likert scale, from “Strongly disagree” to “Strongly agree.”
Stigma – Quantitative Stigma Findings – Perceived Dangerousness and Recovery Beliefs
All participants also reported if they were currently receiving mental health treatment, broadly defined as therapy and/or medication management or a related service. A total of 152 participants (21% of the sample) reported currently receiving mental health services. These 152 individuals were then asked where their provider was physically located and their perceptions of the affordability of mental health services. Regarding physical location, most of this subsample reported that their provider was outside of Greenwich (57.6%), with some participants reporting receiving services in nearby states (e.g., New York) or engaging in teletherapy with an out-of-state provider. Regarding cost, participants rated the affordability of mental health services on a 5 point Likert scale, from “Very unaffordable” to “Very affordable.” Overall, participants rated affordability in the “Unaffordable” to “Neutral” range. Notably, when evaluating frequency data by each Likert option, approximately 44.1% of the sample rated services as Very unaffordable or Unaffordable, while only 28.3% rated services as Affordable or Very affordable (and 27.6% rated neutral).
Personal Mental Health Treatment and Perceived Affordability
Qualitative Study
The mental health deep dive team conducted 14 interviews with 16 participants. Purposive and snowball sampling strategies were utilized; participants were stakeholders across sectors, including: residents, K-12 educators, non-profit leaders, town employees, and behavioral health providers. Thirty-minute interviews were conducted on Zoom, using a semi-structured interview guide. The recorded interviews were then transcribed verbatim and coded using a summative content analysis framework (Hsieh & Shannon, 2005). The following themes emerged from data analysis: rich resources, ongoing needs, layered stigma, and innovations.
Qualitative Themes
Qualitative Analysis
Rich Resources
Interviewees described a variety of available resources for mental health and substance use disorder treatment in Greenwich and nearby towns. Significant assets include: K-12 staff, including nursing and mental health providers at public elementary, middle and high schools; staff from non-profits embedded at Greenwich HS, including Kids in Crisis, Liberation Programs, Jewish Family Services, & YWCA; resources available to residents through the town, including: case management, police department knowledge of behavioral health resources, youth and elder-specific programs; crisis services through 2-1-1, Kids in Crisis; and specialty behavioral health services including inpatient/intensive outpatient for adolescents (Greenwich Hospital), IPV (YWCA), substance use disorder (Liberation Programs).
In addition to specific organizations and programs, interviewees noted increased availability of telehealth services and the reduction of mental health stigma following the COVID 19 pandemic. These factors have likely increased access to behavioral health services, particularly for children/adolescents and individuals without transportation.
Ongoing Needs
Despite some factors that have increased access, participants described a behavioral health landscape in which most agencies have long waitlists, insurance does not adequately cover treatment (particularly outpatient services) and many behavioral health providers have moved to private practices in which they don’t accept insurance. Agency leaders describe challenges of paying for psychopharmacologists and high turnover of clinicians and interns. Additionally, there is a lack of multilingual/multicultural clinicians. Participants identified a need to increase the supply of affordable behavioral health services across the board, but particularly for children/adolescents and older adults, with a focus on prevention and chronic illness management (versus acute care).
Several participants also identified the commercialization and normalization of marijuana as an issue that is impacting adolescents. School-based providers are seeing more vaping and there have been shifts in how parents and adolescents view marijuana.
Finally, many participants identified a need for better coordination of care, resources, and “getting the word out” about available services. Several individuals stated that providers were “siloed” and didn’t routinely share information. However, the behavioral health system is not integrated and therefore it currently falls on individual providers, family members, or clients themselves to engage in care coordination. Finally, there were concerns that residents in Greenwich aren’t aware of available resources
Layered Stigma
Although some participants noted a reduction in stigma related to mental health issues such as anxiety and depression post-COVID, other participants noted that public stigma related to mental health and particularly substance use disorders remains high. In addition to general behavioral health stigma, many participants mentioned an additional layer of stigma related to socio-economic status in Greenwich. Participants indicated that many residents feel the need to maintain an image of success due to prestigious jobs and high incomes. When asked what might reduce stigma, many participants indicated that talking more about behavioral health (e.g. education and awareness campaigns), increasing access to behavioral health treatment, and having survivors share their own stories would be helpful.
Innovations
Participants identified several innovations in behavioral health service delivery. One is harnessing technology. A participant shared that a text-based crisis line for adolescents is currently in development, as adolescents are generally more comfortable texting than speaking on the phone. Additionally, the organization is planning for the number to have a local area code, in order to further increase comfort and familiarity. Other participants identified new collaborations for hosting and funding mental health services. For example, some non-profits are planning or already have clinicians providing services in libraries and churches/other religious communities. Additionally, one organization is using philanthropic funding to supplement salaries for psychopharmacologists. Finally, another participant mentioned the community cares collaboration model in Stamford as a model in which multiple agencies and stakeholders come together to discuss issues impacting residents in the community and ways to better coordinate across sectors.
Themes and Quotes
Discussion: Take-Aways
Service Needs
Overall, mental health was a highly rated need in the community (#2 overall in our rankings), with several participants specifically noting a need for more autism spectrum-related services. Substance use was also a highly rated need, with nearly one in six community members identifying it as a priority. The finding that higher-income groups were more likely to select mental health as an unmet need may reflect higher mental health literacy and mental health awareness in these communities, in addition to more concrete basic needs being met already for these folks (e.g., housing, food, safety). Thus, investing in mental health literacy campaigns and outreach specifically targeted to lower-income neighborhoods may be helpful. Relatedly, opportunities and programming that allow economically disadvantaged residents to identify and address mental health needs within the context of other competing basic needs may be particularly needed. The association between selecting mental health as an unmet need and selecting substance use as an unmet need suggests the potential power of co-located services, as well as integrated messaging and stigma reduction around mental health and substance use (e.g., mentioning mental health support in SUD prevention work; screening and supporting substance use in mental health-related campaigns; more interdisciplinary partnerships; etc.). Additionally, qualitative data suggest that there is a need for better coordination of services. A potential solution is the creation and funding of care coordinator positions in schools, council on aging, and town offices.
Stigma
The gold-standard stigma reduction practice, “contact”, along with education, is highly recommended. Having contact with a stigmatized group (e.g., hearing a lived experience story from someone who has lived with mental illness) can significantly reduce stigma and increase community acceptance. This type of intervention can come in the form of local panels or short videos of residents or others sharing their stories of recovery, which can take place in schools, libraries, or at other community events. One formalized mechanism for sharing stories is the Human Library project [https://humanlibrary.org/]. Furthermore, educating community members about high recovery rates and low rates of dangerousness is important, as (a) these types of stereotypes and beliefs are often interrelated and (b) educational attainment was associated with lower stereotypes in our sample. This community education could also be provided in conjunction with NAMI and its evidence-based programs: https://namict.org/, or by local mental health professionals or teachers/professors (e.g., in health education or mental health fields). These collaborations may further enhance and formalize community connections to local mental health services and educational institutions.
Personal Mental Health Treatment and Perceived Affordability
Based on our findings, targeted outreach to under-served groups (specifically, non-white communities, men, and older adults) may be beneficial to reduce potential treatment gaps. This may include culturally responsive mental health and stigma reduction messaging and outreach in specific settings (e.g., senior centers), preferably via campaigns that explicitly address concerns in these groups and use speakers/messengers who identify with the target groups. Common barriers for these groups should also be addressed (e.g., insurance and financial concerns, but also inequities beyond insurance and socioeconomic status – such as perceived cultural fit of services, masculinity norms, transportation and scheduling issues). In qualitative analyses, several participants suggested that funding for outpatient mental health services such as individual therapy, group therapy, and medication management should be prioritized. Regarding specific Greenwich neighborhoods, there are neighborhoods with lower service use (e.g., North Center, Riverside) that may particularly benefit from informational events and partnership with local institutions to enhance treatment use. Further research in these specific neighborhoods may also elucidate more specific behavioral health treatment needs and barriers to care.
References
Centers for Disease Control and Prevention. (2023). Youth Risk Behavior Survey Data Summary & Trends Report: 2011–2021.
Centers for Disease Control and Prevention. (2025). Data and Statistics on Children’s Mental Health.
Connecticut Department of Mental Health and Addiction Services. (2025). Regional Behavioral Health Priority Report (Region 1: Southwest Connecticut).
Hsieh, H. F., & Shannon, S. E. (2005). Three approaches to qualitative content analysis. Qualitative Health Research, 15(9), 1277-1288. doi: 10.1177/1049732305276687
Kobau, R., DiIorio, C., Chapman, D., Delvecchio, P., & SAMHSA/CDC Mental Illness Stigma Panel Members. (2010). Attitudes about mental illness and its treatment: Validation of a generic scale for public health surveillance of mental illness associated stigma. Community Mental Health Journal, 46(2), 164-176. https://doi.org/10.1007/s10597-009-9191-x
Office of the Surgeon General. (2021). Protecting youth mental health: The U.S. Surgeon General’s Advisor
Substance Abuse and Mental Health Services Administration. (2024). Key substance use and mental health indicators in the United States: Results from the 2023 National Survey on Drug Use and Health. U.S. Department of Health and Human Services.
Early Childhood Education
Nationally, the early care and education system has undergone many challenges over the past 5 years particularly during and after the Covid-19 pandemic. Programs and services have been reduced and in Greenwich along with many communities across the nation, the greatest gaps in services can be found in infant/toddler care and preschool special education (Child Trends, 2023). Results of a community needs assessment conducted by the Center for Social Impact (CSI) at Fairfield University and sponsored by The Greenwich United Way in 2020, indicated that early childhood education programs and services were deemed inadequate in terms of accessibility and affordability.
Responses to a survey distributed town-wide in 2020 as part of the community needs assessment, suggested that there are limited affordable childcare options available in Greenwich and residents believed that teacher compensation is low (GUW Executive Summary, 2021). These findings are significant because adequate, affordable, accessible, quality childcare has been consistently linked to long-term social, economic and educational outcomes for children and families for decades (Flood et al., 2022).
The aim of this exploratory investigation was to identify early childhood education needs from the perspectives of various stakeholders (i.e., program directors, teachers, education consultants, caregivers, families and parents) in the Greenwich community. The interviews conducted, analyzed and described in this report represent an attempt to take a deeper dive into examining perspectives of Greenwich residents about the accessibility, affordability and quality of infant-toddler and preschool programs in the town of Greenwich.
Survey Analysis
In order to collect demographic and descriptive data about the number of families utilizing early childhood education services and their attitudes about the services, an online survey was distributed to the town for residents in the community to complete. According to survey results, 693 people completed the early childhood section of the survey. Of those 693 respondents, 93 (13%) reported having a child who was currently enrolled in an early childhood education program. About 18 (19%) reported having a child who was enrolled in a preschool program and required special services due to having a disability or a developmental delay. Over half 49 (53%) of respondents reported using a childcare provider in Greenwich while about 43 (47%) did not.
Families in Greenwich with a Child Enrolled in an ECE Program
With regards to the quality of early childhood education programs in Greenwich, responses of survey participants on a 5-point Likert scale indicated that the majority felt that the quality of early childhood education programming in Greenwich was either “very good” or “good” at 38% (n=35) and 34% (n=32) respectively.
Perceived Quality of ECE Programming
When probed about the affordability of early childhood education programming, over half of respondents reported their opinion that early childhood education programming was either “unaffordable” or “very unaffordable” (52%, n=48) while about only 2% (n=2) of participants reported early childhood education programs to be “very affordable.”
Perceived Affordability of ECE Programming
Qualitative Study
Preliminary conversations with leadership in preschool and infant-toddler programs, the public school system and the local early childhood collaborative helped guide recruitment efforts. Outreach for recruitment was conducted through use of flyers, emails and word of mouth. Convenience and snowball sampling yielded a total of 14 individual, semi-structured interviews. Participants were early childhood education program directors, early childhood education teachers (4) and paraeducators paras (1), administrators and consultants (5) from Greenwich Public Schools and parents (4) of children enrolled in an early childhood education program. The interviews lasted for a maximum of 45 minutes and included items probing for assets and strengths of ECE programs in the community, barriers to affordable, accessible, quality early childhood education and childcare and the relationship between early childhood education and childcare programs and the families using them. See Appendix 1for the interview protocol and a detailed description of interview questions. Interviews were scheduled via email and conducted and recorded on Zoom.
Transcribed interview responses were read closely and coded for central themes. Four central themes were derived from qualitative coding informed by a grounded theory approach (Charmaz, 1983): affordability complicates care options for families, accessibility gaps in part-day vs. full day programming and special education services, assets attracting families to Greenwich and quality of early childhood education programs. See Figure 1. for an illustration of themes.
Qualitative Themes
Qualitative Analysis
Affordability and Family Options
All respondents, regardless of stakeholder position, (i.e., teacher, para, administrator or parent/caregiver) agreed that affordability of early childhood programs was a primary concern for families residing in Greenwich across all socioeconomic strata. Respondents who were parents and caregivers of children enrolled in an early childhood education program cited childcare as one of their largest expenses along with the cost of housing, transportation and groceries. Even in dual-income, more affluent households, respondents reported appearing to have a lot of money “on paper” but feeling economically stressed each month after paying for all living expenses.
Families with more modest incomes reported higher levels of financial strain and claimed that although scholarships are provided by community philanthropic organizations and state-funded initiatives, many families fall through the cracks due to lack of information about how to apply for scholarships or earning income that is just above the financial threshold to qualify yet their income is insufficient to meet the standards of living in Greenwich.
Respondents who were early childhood program administrators and staff also shared concerns about early childhood program affordability for families. An administrator for an infant-early childhood family serving agency who provides early childhood programming for close to 90% of Greenwich families with low income, describes Greenwich as a “tale of two cities” in their reflections about the growing wealth inequality in the town. For example, teachers may have a priority spot for their child in their program of employment, but aren’t offered financial support making it challenging to afford quality childcare while working.
Finally, there was consensus among early childhood program teachers and paraeducators (paras) with regards to their compensation being insufficient to meet current standards of living. Working multiple jobs to make ends meet was commonly reported and even when teachers worked for well-resourced programs that paid relatively well, the sentiment remained that compensation was not commensurate with the education and training required for the job or with the current cost of living.
Accessibility Gaps: Part-Day vs. Full-Day Programming and Special Education Services
Although there was consensus across all respondents that Greenwich offers a wide range of diverse early childhood programming, gaps in accessibility to full-day and special education programs were cited. Parents, teachers and program administrators all agree that the demand for full-day, early childhood programs may exceed the supply. Working families usually need childcare coverage that spans the workday. Interview respondents who were working parents reported relying on aftercare programs which was an additional childcare expense or making arrangements with family when possible when they were unable to afford aftercare expenses.
With regards to special education programming, administrative team members from Greenwich Public Schools revealed that although they continue to strive for and are regarded as providing responsive, high quality special education intervention to resident families from pre-K to grade 12, service delivery challenges have intensified since the Covid-19 pandemic. Increased mental health conditions in school-aged children and developmental delays including speech, communication and activities of daily living in very young children were identified as the most common challenges presenting in the classroom.
Furthermore, in some cases families need more hours of intervention than can be delivered within the special education system. This can be a financial liability for families who may make too much income to qualify for subsidized services, but do not earn enough to support private therapeutic services that could benefit their child. Finally, although not reported by the majority of interview participants, one public school administrator shared concerns that more affluent families may be at risk of engaging with predatory practitioners to meet their children’s developmental and educational needs due to lack of information and desperation to help their child.
Assets Attracting Families to Greenwich
All interview respondents agreed that Greenwich is a safe, aesthetically pleasing, resource-rich town that combines small-town community charm with access to a major city. One major attractive feature of Greenwich that interview respondents identified was the town’s public school system. The educational system from pre-K to 12 was highly praised by interview respondents. In fact, two parents cited the reputation of the public school system in the town of Greenwich as a major motivator for moving there to raise a family.
Additionally, participants whose children were enrolled in preschool special education programs reported being highly satisfied with the services their child received. As noted in the previous section, administrative team members from Greenwich Public Schools cited challenges in the service delivery system that may complicate community perceptions about special education services. Participants who were parents or caregivers of children enrolled in childcare or early childhood education services also cited the quality of early childhood programming and services as an asset of the Greenwich community.
Quality of Early Childhood Education Programs
Overall, the majority of interview respondents regardless of whether they were a parent or caregiver, teacher or administrator, reported that the early childhood education programs in Greenwich were largely high quality, based on evidence-based curricula and nationally accredited. Respondents noted that parents had a selection of program philosophies ranging from Montessori to Reggio, teacher-led to child-led as well as public special education preschool programs that offered integrated classrooms with typically developing peer role models. Interview respondents agreed that this diversity in programming allowed for families to choose programs based on their individualized needs.
Teachers who participated in this interview cited their professional preparation and training, supportive program leadership styles that fostered trust in the autonomy of teachers, having access to resources and materials to run a creative stimulating classroom and positive parent/family relationships characterized by consistent communication and classroom participation, as key elements of high quality in their respective early childhood education programs. However, most teachers and program administrators noted that family selection of programs was closely tied with how well-resourced families were and the availability of scholarships for families with financial need. Hence, the more affluent the family the more likely it would be that they could select their first choice of program.
Interview participants who were parents and also identified as being economically stressed, revealed that due to the costs associated with early childhood education programs and childcare, they did not always feel like they were able to enroll their child in programs that were their first choice. In fact, two families cited challenges with program communication and high staff turnover where their children were enrolled. They expressed their concern that these challenges compromised program quality as well as their child’s day to day experience. However, due to affordability and the need to maintain full-time employment, these parents felt they had little choice in continuing to have their children enrolled in the programs despite their moderate dissatisfaction.
Themes and Quotes
Discussion: Take-Aways
Affordability
Affordability of early childhood education programming and childcare was identified as a central issue among interview respondents. There was consensus that childcare and early childhood education programs are generally unaffordable for the majority of families residing in the town of Greenwich. High cost of housing, daily expenses, limited eligibility for financial aid and lack of information about financial aid were cited as contributing factors. It is important to note that although interview respondents perceived more affluent families to have more choice when it comes to selecting early childhood education programs, respondents who were parents from more affluent backgrounds also expressed feeling economically strained due to childcare and early childhood education program expenses.
Accessibility Gaps
At least half of interview respondents including parents and early childhood program staff or administration, reported that there are not enough full-day early childhood education and childcare program options available in Greenwich. This gap appears to be felt more sharply in families where both parents are employed full-time. This dynamic is not unique to Greenwich. In fact, gaps in after school programs from pre-K through elementary school are common in communities across the United States as traditional school hours are not structured to be compatible with typical workday hours (Child Trends, 2023). Furthermore, availability of funding and resources to support full-day and after care funding varies according to local politics and legislation.
About one quarter of interview respondents cited staffing: particularly of paras and acuity of developmental and social-emotional needs in young children, and parental concerns (i.e., knowledge and understanding of child needs and denial about developmental concerns) as challenges complicating classroom dynamics in preschool special education programs. The Covid-19 pandemic was also identified as a precipitant of teachers and paras leaving the early childhood education system and the increase in prevalence and intensity of developmental and behavioral concerns evidenced in young children entering preschool classrooms. This trend is also representative of challenges impacting early childhood education systems and preschool special education programming at the national level (Flood et al., 2022).
Assets and Quality
Almost all interview participants perceived Greenwich to have many assets as a community in terms of resources, safety, aesthetics and educational programming. Overall, respondents perceived Greenwich to be a “family-friendly” town. A small number of interview participants who were early childhood teachers stated their belief that there were enough resources in Greenwich to make early childhood education affordable for all if those resources were more evenly distributed. All interview respondents also agreed that Greenwich boasts an abundance of high quality early childhood education programming even if all resident families are unable to access those services equitably.
Recommendations
This examination of community perspectives about the affordability, accessibility and quality of early childhood education programming in the town of Greenwich was exploratory in nature and part of a larger community needs assessment. The results should be interpreted with caution because the viewpoints of interview participants may not be representative of all families residing in Greenwich who are engaging with early childhood education programs in the town. However, the insights and themes derived from the open-ended, qualitative interviews administered as part of this community needs assessment may inform future investigation into how the Greenwich early childhood education system works and specific gaps in service that need to be addressed.
A more systematic investigation employing quantitative methodology focused on community mapping might offer a more targeted approach to data analysis that details the number of families seeking early childhood education services per existing open slots in infant/toddler, pre-K and pre-school special education programs. This investigation should include analysis of neighborhoods where programs may be concentrated and whether there are gaps in meeting the early childhood education needs of families living across the town of Greenwich. Such an analysis would be useful to address the accessibility concerns raised in the qualitative interviews. Furthermore, deeper examination of how socioeconomic status influences access and utility of early childhood education programming in Greenwich would provide more depth and understanding to the affordability challenge that was cited consistently by all interview participants.
Finally, more culturally relevant, community-based recruitment efforts aimed at engaging families who may not traditionally participate in needs assessment data collection due to economic, language, immigration status, general mistrust or cultural barriers should be considered to ensure that the needs and concerns of Greenwich residents with regards to early childhood education access, affordability and quality, are more broadly represented.
References
Charmaz K. The grounded theory method: an explanation and interpretation. In: Emerson RM, Contemporary Field Research. 3rd ed. Waveland Press; 1983:109-126.
Greenwich United Way Community Needs Assessment (2020). Executive Summary
Flood, S., McMurry, J., Sojourner, A., & Wiswall, M. (2022). Inequality in early care experienced by US children. Journal of Economic Perspectives, 36(2), 199-222.
Hirilall, A., Daily, S., Hill, Z., Schaefer, C., & Ornelas Gonzalez, D. (2023). Five steps for state and community leaders to increase equitable access to early care and education. Child Trends. https://doi.org/10.56417/4358v5906f
Housing
Housing has long been both a significant community need and intractable political and logistical problem in Greenwich. The emotional, ideological, and economic valence of the issues surrounding housing both demand new approaches, and also make enacting change very difficult. Our work, based on a community survey and interviews with residents and key stakeholders, as well as a qualitative analysis of Planning and Zoning and Affordable Housing Trust Fund meeting transcripts from 2022-2025 highlight three key challenges: addressing affordability, need for transitional and workforce housing, and the changing regulatory environment.
Housing affordability was one of the key community needs identified in the 2020 Needs Assessment, both in the community survey and in the qualitative interviews. Five years later, the salience of housing has not eroded. In the community survey, slightly more than 57% of respondents indicated that they thought housing affordability was an unmet community need in town, far above all the other options. In our interviews with residents and stakeholders, we also saw evidence of how large the issue looms in their own lives and their ideas about the challenges that the town faces.
The housing challenges facing Greenwich are by no means unique, or new. In many ways, suburban communities have been dealing with the same set of problems around affordability, availability, and access for the past half a century. Moreover, whether the town itself is the appropriate scale at which to tackle them, given similar problems across the region, is at least an open question. However, the changing regulatory landscape, and the shifting attitudes in how they can and should be addressed at the national, state, and possibly the local level, present opportunities to frame out new approaches to what have been intractable problems.
Survey Results
In the community survey, we asked people to respond to three specific statements focused on housing. First, we asked them whether they agreed or disagreed with the statement that: ‘Rent, mortgage, taxes, utilities and insurance for housing is a significant burden for my budget.’ Out of 786 respondents that answered this question, 451 either agreed or strongly agreed (57%). People who were renting their housing were much more likely to agree with this statement compared to homeowners, and they were much more likely to have a stronger agreement. Similarly, lower income residents were much more likely to agree with the statement as well. But even among the highest income group (those with household incomes above $300,000 a year) about 34% of respondents (78 out of 227) still reported being burdened by housing costs.
Housing Burden – Self
Our second question, intended to capture respondents’ perceptions of the community’s housing burden, asked them to react to the statement: ‘Rent, mortgage, taxes, utilities and insurance for housing is a significant burden for other people living in Greenwich.’ Out of 793 people that responded to this statement, 576 of them either agreed or strongly agreed with it (73%). The size of this majority indicates that residents are highly aware of the problems that housing affordability poses in the town and perhaps explains the strong sentiments they have about the unmet need for housing noted above.
Housing Burden – Other
Finally, in an effort to understand the sentiments residents had about one of the increasingly prominent ways to address affordability, we asked them to react to the statement: ‘We should build more housing in Greenwich to make it affordable.’ 400 of the 796 people that answered the question indicated that they agreed or strongly agreed with the statement (50%). Support for building more housing was only slightly lower among homeowners (44%), and the highest income respondents (48%). This level of support indicates that there is an appetite in the community for addressing housing problems in new ways.
Support for Building More Housing
Qualitative Study
At the same time the survey was being fielded, we collected the public transcripts from the Planning and Zoning and Affordable Housing Trust Fund meetings since 2022, as well as the documents that accompanied the meetings. We coded these transcripts and documents thematically, trying to identify common issues that come up with regard to affordable housing development in the town. Beginning in October 2025, we also started to interview residents and stakeholders about housing issues. We initially recruited six residents that had indicated that they would be willing to talk about housing while taking the community survey. We then recruited three more residents by getting our initial interviewees to refer us to their acquaintances. The interviewees were offered 25$ gift cards for their time. We also interviewed two housing stakeholders in town after contacting them to ask for an interview. Half the interviews were recorded, while the other half were not based on the requests of the interviewees. We transcribed the recorded interviews, and took extensive notes on the unrecorded ones. We coded these transcripts and notes thematically, trying to identify issues that came up most frequently or related to the largest number of concerns.
Qualitative Themes
Qualitative Findings
Affordability
Across all twelve interviews and the documents we reviewed, one of the most persistent themes that came up over and over again was a universal awareness of the unaffordability of housing in Greenwich. Long-term residents looked back on the circumstances that enabled them to move into town earlier in their lives, and said in similar circumstances Greenwich would be out of reach for them. More recent residents, unanimously, mentioned how big a burden housing was in their budgets. One interviewee mentioned how being able to buy a place in Greenwich four years ago had basically taken all of their household resources, and that they were foregoing a lot to continue making the mortgage payments. In the documents we reviewed, the affordability concerns are raised by all parties – even community members who oppose specific projects for development often acknowledge the affordability problem in their remarks.
These concerns over affordability are well-founded in empirical data. At the end of 2025, the median home sale price in town was $2.6 million, representing almost a 10% increase compared to December 2024 and a staggering 120% increase over the pre-pandemic December 2019 (Redfin 2026). Sale inventories remain low, homes sell rapidly, and often at prices over the asking price. As one of the residents put it to us, being able to buy a house in town at all, independent of the price, feels like a miracle for many people. The renters we had a chance to interview answered our first question asking them to introduce themselves by talking about how anxious they were about being able to afford rent when their contract would be up next year.
A tight and appreciating housing market could be seen as a positive thing for the town. It allows current homeowners to build wealth, allows the town to expand its tax base to meet community needs without the need for extensive compromises, and ensures relatively easy access to financing for purchases, repairs, etc. However, as many locales around the country have been finding out over the last decade or so, there are also some significant negative consequences to such a housing market. In addition to creating significant barriers to entry, especially for renters, high and increasing home prices create significant problems related to the overall well-being of the community, which we explore below.
Transitional and Workforce Housing
The impacts of housing on residents’ lives goes beyond its financial realities. Residents’ access to critical resources and services, as well as their ability to be a part of the social life of the community is frequently bound up in their ability to secure and pay for housing. In our interviews, residents were significantly anxious about being able to weather life events that cause housing instability, and a few of them, along with stakeholders talked about the fact that large numbers of people working in town cannot afford to live in it. Both of these concerns point out not just problems of affordability, but also the social burdens of living in an unaffordable community.
One resident we interviewed had recently lived through a housefire that had damaged her condo, along with multiple other units. She talked about her deep anxiety about being able to buy another place in order to stay in town, in order to be near her extended family. Another resident talked about a neighbor who was going through divorce, and how the already stressful period in their lives was made worse by trying to figure out how long their children could stay in the school district, given that their individual incomes would not allow them to afford housing in town. Finally, almost half of our interviewees talked, and often nervously laughed, about their prospects of being able to retire and stay in Greenwich, since finding housing that can meet the needs of seniors and fit their budgets is very difficult. These narratives point out that the residents are keenly aware of the fact that the lack of housing variety (especially smaller, lower maintenance apartments with accessibility improvements), and unaffordability of housing makes their positions in the community fraught and the community itself brittle.
In two of the interviews, residents were concerned that people working in town, specifically in healthcare, could not afford to live in town. We heard similar concerns in our stakeholder interviews, despite a number of programs intended to increase workforce housing in town. We had noted similar concerns in the 2020 Needs Assessment as well. Lack of affordable workforce housing in town, in addition to burdening workers with longer commutes, also creates issues with attracting and retaining workers, and most importantly, fostering a sense of community and belonging. Existing programs to offer workforce housing, both the Moderate Income Dwelling Program and the housing offered for educators by private schools certainly help the members of the workforce who can secure them. However, the number of units available is fairly limited.
The Regulatory Landscape
In Connecticut, and in Greenwich in particular, discussions of housing and affordability have long been centered around state-level regulations and legislation. In the late 1980s, following a decades-long national debate on public housing, Connecticut adopted Connecticut General Statute 8-30g. This law aimed to foster mixed-income housing development given the well-documented problems that income segregated public housing had created across the country. In towns where “affordable” housing (defined as housing that receives financial assistance from a government program for low- and moderate-income housing, receives money through the Housing Choice voucher program, or has at least 30% of its units deed-restricted for lower-income residents) is less than 10% of the housing stock, 8-30g has made it possible for developers to use an appeals procedure to overcome local zoning restrictions.
This law has been controversial ever since its inception because it dilutes local control over housing development and amendments and proposals for amendments have been a part of the housing discussion every legislative session (Carroll, 2001; Tondro, 2001). Towns have often slow-walked the development of their affordable housing plans, under-invested in necessary infrastructure, adopted zoning practices that make development increasingly difficult, and local politics has frequently focused on obtaining moratoria from the consequences of not meeting the affordability requirements (Chapple, 2020).
Over the last few decades, Greenwich’s approach to housing development has been primarily a defensive one as well, where maintaining the town’s “character,” has been the a defining “goal” or “principle” of the town’s planning documents for many decades (Greenwich Planning and Zoning Commission, 2009, 2019, 2021, 2023). The stable population of the town (and the barely growing housing supply) over the last half century, despite significant demand people have for living in Greenwich, is additional evidence of this posture.
In development applications we reviewed, as well as the 2022 Affordable Housing Plan, the repeated concerns around inadequate infrastructure (public water and sewer systems) and zoning regulations (parking spaces and traffic) appear to be the primary reason for rejections. These are, of course, very appropriate concerns for review in any application. However, the pattern of rejections using these concerns, which stretches further back than the 2020-2025 period we reviewed in this study (Greenwich Time, 2016; Turiano, 2017), also reflect decades of underinvestment in these areas, which has created a vicious cycle in which new development is almost always either prohibitively expensive due to the need to mitigate these infrastructure issues or can be simply denied because the issues cannot be fixed within the scope of one development project.
Even the development of the Affordable Housing Trust in 2021, while itself innovative, is evidence of a significant tension between the recognition of the problems of affordability and the desire to keep denser development to a minimum. The Trust has thus far aimed to incentivize developers going through the 8-30g appeals process to build fewer overall units by increasing the percentage of units that are deed-restricted above the mandated minimum of 30% or changing the classification of their applications to government-assisted, which allows them to charge higher rents in “affordable units,” in order to reduce the size of proposed development. Similarly, the development of “inclusionary zoning” in the same year, which mandates below-market-rate units in multi-family developments, certainly shows a commitment to increasing affordability. On the other hand, there has been consistent pushback from developers who have consistently asked to pay a fee in lieu of including affordable units in their projects or have tried to concentrate affordable units in specific parts of their projects.
The adoption of HB 8002 in November 2025 represents a potential sea-change in housing policy in the state and, along with institutional changes in Greenwich, it represents an opportunity for a new approach to housing in town. The new law changes three fundamental things: 1) the focus on affordability is abandoned in favor of pushing for more and denser housing especially around existing transit infrastructure;2) towns have to either sign a contract with the Municipal Development Authority, create their own housing growth plan, or sign on to the regional one; and 3) towns gain access to state funding for their compliance. On the other hand, the new law took away some of the stricter measures in the earlier draft, which leaves the question around enforcement and compliance across the state open.
Discussion: Take Aways
The results presented above, to the extent they rely on the survey findings and interviews come with a few caveats. The survey is based on a convenience sample and thus we can’t easily generalize our findings to the residents of the town. The interviews were conducted with residents who either identified themselves as interested in talking about housing in the survey, or who opted to talk with us on housing after we contacted them in a snowball sampling approach. Thus they are likely to be different than the residents at large in their level of concern, knowledge and engagement on housing issues. However, despite these limitations, our survey results are broadly in line with our expectations and statewide attitudes on housing (Regional Plan Association 2025), and the themes we identified in the interviews study are validated by our findings from the archival documents. Thus we believe that the findings above are a useful point to start understanding the community needs around housing in Greenwich at this time.
The shifts in the regulatory landscape we discuss above, even though they are in the very initial stages of implementation, create an opportunity for Greenwich to reframe its stance on development.First, by participating in the regional planning process envisioned in the new law, Greenwich has an opportunity to address housing problems at the more appropriate scale. Lack of adequate housing in Southwestern Connecticut is far from being a Greenwich-specific problem, and a regional solution with increased state funding behind it, could go further in addressing it than Greenwich could on its own. Second, the new law’s emphasis on building more housing, instead of negotiating over the minutiae of what counts as affordable housing and how many “housing equivalent points” each town has, promises a way forward where the priorities around affordability and transitional and workforce housing don’t need to clash (or compete for the same resources). If the new law does encourage the development of new, dense housing around existing infrastructure above and beyond the limited expansion of the housing stock Greenwich has seen in recent years, that should both lower the market rate for housing and produce more affordable units than the town would otherwise have. Finally, if this new regulatory landscape allows the town to invest in improving its residential infrastructure, the tensions around the utilization of that infrastructure by new development might be partially diffused.
The new regulatory landscape is not going to resolve the political tensions around housing that have been in place for at least half a century. Long-standing institutional practices that make building more and denser housing are also likely to persist. However, as our survey results suggest, there might be greater support for housing development among residents than many realize, and the hints of innovation in initiatives like the Affordable Housing Trust or the “inclusionary zoning” show that there is the potential for new approaches to housing in the town. Together, these two factors suggest there is opportunity for Greenwich to address its housing issues in a transformative way in the near future.
References
Carroll, R. D. (2001). Connecticut Retrenches: A Proposal to Save the Affordable Housing Appeals Procedure. The Yale Law Journal, 110(7), 1247–1286. doi.org/10.2307/797528
Chapple, D. (2020). Relief for Those Who Need It Least: How Conn. Gen. Stat. § 8–30g’s Moratorium Provision Rewards Towns for Making Inadequate Strides in Addressing Housing Segregation in Connecticut and Offers Lessons for the Nation. Journal of Affordable Housing & Community Development Law, 29(2), 299–326.
Greenwich Planning and Zoning Commission. (2009, May 6). Greenwich, CT – Plan of Conservation and Development—2009. portal.ct.gov/-/media/csc/1_dockets-medialibrary/media_do400-499/docket_461/application/bulkfiling/hgreenwichplanofconservationanddevpocd05609withmapspdf.pdf?rev=6b93f72d0c674df0a7d75581dbd12924&hash=45BC39CEA4D3571ADCABA83E3E6F2002
Greenwich Planning and Zoning Commission. (2019). Greenwich, CT – Plan of Conservation and Development—2019. www.greenwichct.gov/DocumentCenter/View/13533/Greenwich_POCD_v10
Greenwich Planning and Zoning Commission. (2021). Greenwich, CT – Update to the Plan of Conservation and Development—2021. https://www.greenwichct.gov/DocumentCenter/View/42563/2021-POCD-Update
Greenwich Planning and Zoning Commission. (2023). Greenwich, CT – Update to the Plan of Conservation and Development—2023. www.greenwichct.gov/DocumentCenter/View/42562/2023-POCD-Update
Greenwich Time. (2016, April 16). Bob Horton: Decrepit sewer system ignored for too long. Greenwich Time. www.greenwichtime.com/news/article/Bob-Horton-Decrepit-sewer-system-ignored-for-too-7238649.php
Tondro, T. J. (2001). Connecticut’s Affordable Housing Appeals Statute: After Ten Years of Hope, Why Only Middling Results? Western New England Law Review, 23(115), 115–164.
Turiano, J. (2017, March 22). Old Greenwich apartment building debate heats up. Greenwich Time.www.greenwichtime.com/local/article/Old-Greenwich-apartment-building-debate-heats-up-11021367.php
