The rent-to-income ratio analysis identified that housing association rents were generally affordable. However, the residual income analyses using two different minimum acceptable standards suggested some scepticism in this regard. In particular, both analyses confirmed the affordability problem in London where nearly half of existing housing association tenants had disposable household incomes that were well below the poverty-line as well as the largest rent-to-income ratio. Both analyses also confirmed that lone parents were more likely than average households to have an affordability problem. 

The article is published in the International Journal of Housing Markets and Analysis, Vol. 5, Issue: 3, pp.218 - 234. You can access the article online by this link:http://www.emeraldinsight.com/fwd.htm?id=aob&ini=aob&doi=10.1108/17538271211243571