The recession and a trend toward gentrification in Charlotte have caused a shortage of rental housing that’s affordable to low-income households. Meanwhile a new study commissioned by the city finds plenty of housing for middle-income earners. The city of Charlotte only has so much money to spend building – or encouraging developers to build – affordable housing. The last time housing affordability was analyzed in Charlotte was before the recession and it mainly just looked at the needs of the lowest earners. Since then, some council members have argued the city should do more to help working families whom the recession hit hard.