Thousands of rural homes could become unaffordable for tenants as Section 515 phases out

Finding affordable rural housing has been a long-term
problem for residents. (Photo via Insight News)

A federal housing program that has supported affordable housing since 1963 is being phased out, leaving "half a million rural homes at risk," writes Brian Y. An, a public policy expert at the Georgia Institute of Technology, for Insight News, which serves the greater Minneapolis area. As Section 515 mortgages get paid off, landowners no longer have to guarantee lower rental costs.

While many Americans may see affordable rents as a more urban problem, finding and affording rental housing in rural areas has also been a long-term challenge, which the USDA sought to mitigate with incentivized loan programs like Section 515.

By offering below-market interest rates, Section 515 attracted private and nonprofit developers to "build and manage residential housing for low-income residents in small towns and rural counties," An explains. "Since its inception, the program has supported the construction of over 533,000 apartments, townhouses and other small, multifamily rental homes."

In 2011, the USDA stopped issuing Section 515 loans, which means the majority of properties built with Section 515 financing will mature by 2045. Once a Section 515 property is paid off, its owners can set their own rents, sell the property or end current home leases. An adds, "Because of this flexibility, a large share of rural affordable housing units could soon be converted to properties rented at market rates."

Rentals owned by nonprofits are the least likely to convert low-rent to market-rate rent. An writes, "Nonprofit-owned buildings. . . are 30% to 40% less likely to convert formerly Section 515 affordable housing into market-rate properties after the owners pay off their loans."

Washington lawmakers are working to address the gradual end to rural housing support through Section 515 rentals. The bipartisan Rural Housing Service Reform Act serves as an example. An explains, "It would modernize USDA rural housing programs and allow certain rental assistance contracts to continue after mortgages mature. As of early 2026, the bill remains under consideration."

U.S. seeks backup fertilizer suppliers to reduce damage to American farmers facing soaring costs and shortages

Farmers apply fertilizers just before or during spring 
planting. (Photo by Brandon Griggs, Unsplash)

With many crop fertilizers and fertilizer materials trapped by Iran's stranglehold on the Strait of Hormuz, the Trump administration has sought out countries that can produce or supply backup fertilizers for American farmers facing soaring fertilizer costs as they ramp up for spring plantings, reports Skylar Woodhouse of Farm Progress. American farmers already face economic headwinds from slowed trade with China, high fertilizer and fuel prices, high labor costs, and farm worker shortages.

White House National Economic Council Director Kevin Hassett told reporters earlier this week that the Trump administration was looking for ways to minimize U.S. fertilizer shortages. "Hassett said the U.S. has 'established licenses for Venezuela to produce more fertilizer,' and has held discussions with Morocco," Woodhouse writes.

Reuters reported that roughly 30% of the world's nitrogen fertilizer supply would normally go through the Strait of Hormuz. Woodhouse reports, "One facility in Qatar had produced so much fertilizer that it supplied 'maybe about 20%' of the U.S. market, according to Hassett. The Iran conflict has mostly shut the key Strait of Hormuz passage for ships."

A March 13 letter from the American Soybean Association, the National Corn Growers Association, and other organizations asked fertilizer manufacturers Mosaic and Simplot to rescind their support for countervailing duties on phosphate fertilizer imports from Morocco and Russia, which contributed to spiking fertilizer costs even before the Iranian conflict.

As the war with Iran continues, farming fertilizer isn't the only pivotal import that relies on transport through the Middle East. Alexander Osipovich of The Wall Street Journal reports, "A protracted conflict with Iran could curtail exports of many inputs into the global supply chain. . . ranging from agriculture to chemicals and pharmaceuticals."

Osipovich includes a list from Barclays analysts on "some key non-energy products exported from nine Middle Eastern countries affected by the conflict." It's shared below.

62% of limestone flux, which is used in construction and is primarily sent to India
47% of sulfur, used for fertilizers and chemicals
28% of acyclic alcohols and derivatives, used as industrial chemicals and as fuel additives, and mostly exported to China
23% of polymers of ethylene, used in plastics manufacturing
23% of nitrogenous fertilizers, used in agriculture
20% of diamonds, with key processing hubs in Israel and the United Arab Emirates, though they are mined elsewhere
18% of unwrought aluminum

After 30 years, this rural hospital reopened its maternity unit

Dana Iglesias, medical director of the UNC Health Chatham Maternity Care Center, left, and Beverly Carpenter, the unit's manager, stand inside a labor and delivery room. (Photo by R. Crumpler, NC Health News)

UNC Health Chatham in North Carolina closed its obstetrical unit in 1991 after years of staffing shortages and poor financial performance. For 30 years, moms and families had to drive farther for care and delivery, while UNC hospital leadership continued to work on how to make maternity care fit in a rural hospital setting. 

After decades of consideration, UNC hospital leadership and medical providers decided to alter their obstetrical unit's staffing structure to make it more versatile and affordable. UNC Health Chatham reopened its mother-baby unit in 2020. Rachel Crumpler of NC Health News reports, "Births at the unit have increased each year since it opened, reflecting demand for local maternity care."

The unit is created to be sustainable and flexible. Crumpler writes, "It serves low-risk mothers and newborns and is staffed by family physicians trained in obstetrics and surgery, along with midwives — a lower-cost model than one centered on OB-GYNs, who cost more to employ and are harder to recruit to rural areas." 

Because family medicine doctors are trained across multiple medical specialties, their versatility helps them meet the two-patients-at-once demands of obstetrical care. Additionally, their salaries are lower than OB-GYNs, "meaning delivery volumes don’t need to be as high for the unit to be financially viable," Crumpler explains.

The unit's unique staffing structure and service model may offer a blueprint for other rural hospitals. Jesus Ruiz, a family physician at the Chatham Maternity Care, told NC Health News, "Chatham is a template, but it’s not a copy-and-paste template. . . .This shows a way that rural maternity care can be built and sustained.”

UNC Health Chatham leaders are working to spread the success of their model. Crumper adds, "Eric Wolak, the chief operating officer at UNC Health Chatham, said he’s fielded calls from other community hospitals — within and outside the UNC Health system — asking about the family medicine-driven model and Chatham’s implementation."

'Onerous' reporting requirements prevented many specialty crop farmers from applying for USDA aid

Specialty crop farmers don't grow hundreds of acres of one 
type of plant. (Photo by Zoe Richardson, Unsplash)

Despite the need for an economic boost, many specialty crop farmers chose not to participate in the Department of Agriculture's recent $1 billion Assistance for Specialty Crop Farmers program. 

"Small-scale fruit and vegetable farmers are skipping out on federal farm aid, citing onerous reporting requirements they say are not compatible with their farms and may not substantially pay off," reports Rebekah Alvey of Civil Eats.

Although the USDA let smaller-scale farmers know they had until March 13 to complete their acreage reports to apply for assistance, the agency did not inform them when and how the aid would be distributed. Alvey explains, "Without knowing the potential benefits of the assistance, many specialty-crop farmers decided not to submit an acreage report, disqualifying them from the aid."

The current USDA acreage reporting forms are geared toward commodity row-crop farmers, leaving many specialty farmers unsure how to meet the requirements. Minnesota-based farmer Sara George told Civil Eats, "If you have kale, you have to do acreage reporting of your kale. I don’t plant an acre of kale, I plant two rows of kale.”

An average corn farmer is likely to plant thousands of acres, which is far different from the "small, diversified specialty-crop operations [that] grow a range of crops, on a fraction of an acre of land, and sell to a variety of sources," Alvey explains. "Under those conditions, a detailed crop report can be difficult to put together."

Specialty farmers who chose to apply for the ASCF program were told to work with their local Farm Service Agency to resolve reporting questions, but getting help from the FSA proved difficult for some. "George reached out to [her] local FSA offices with questions about the forms," Alvey reports. "But staff seem to have limited information as well and are also new to filing these reports for specialty crops."

Open land, big skies, lots of grass — no data center. Some residents of rural New York area oppose big development.

Alabama's website contains has a link to STAMP information, but the page contains
surprisingly little information.  

Rural New Yorkers are voicing opposition to a proposed data center in Alabama, New York, a mostly agricultural community in Genesee County with roughly 1,600 residents, reports Mark Sommer of The New York Times. Area residents "fear the sprawling center’s droning supercomputers will disturb Indigenous communities and animal life, strain the power grid and raise utility rates."

The $19.4 billion complex -- dubbed the Science, Technology and Advanced Manufacturing Park — or STAMP — would cover 2.2 million square feet, and "be constructed roughly a mile from the territorial home of the Tonawanda Seneca Nation," Sommer writes. The massive data campus would also sit near the Iroquois National Wildlife Refuge and several smaller wildlife sanctuaries. 

Location of Genesee County in New
York (Wikipedia map)

As the Genesee County Economic Development Center moves the project forward, more residents are raising objections. Sommer reports, "The center’s opponents are also considering a lawsuit, which could delay it or stop it entirely."

Arthur Barnes, a resident of Shelby, a town just north of Alabama, told the Times, "I can’t think of one good reason for it. . . . Of all the places to put something like this, did they have to put it right next to a sovereign nation and a national wildlife refuge?"

If STAMP is built, area residents worry that their electricity rates will soar. Sommer explains, "The three states with the nation’s highest concentration of such data centers — Illinois, Virginia and Ohio — saw their electricity bills increase twice as much or more than the national average in August 2025 as compared with the ​​​​same month in 2024."

Area residents who support STAMP say the fees and taxes it will pay will make the inconveniences it causes worth it. The Genesee County Economic Development Center can "expect $145 million in fees," Sommer reports. "Genesee County, Alabama and the local school district would also receive a combined $285 million over the course of STAMP’s 30-year contract."

Farming fertilizer stuck in the Strait of Hormuz leaves U.S. farmers roughly 25% short of needed supply

The U.S. fertilizer supply system doesn't have fertilizer 
reserves. China's does. (Photo by L. King, Unsplash)

As the U.S.-Israeli conflict in Iran continues into its third week, fertilizer supplies needed by U.S. and Canadian farmers remain strangled in the Straight of Hormuz. 

The loss of fertilizer imports in March catches farmers at a time when they are planning their spring planting rotations, reports Ed White of Reuters. "More than 30% of world nitrogen fertilizer exports, as well as fertilizer components like sulfur, pass through the now effectively closed Strait of Hormuz."

Besides delaying fertilizer supplies, the war has caused existing fertilizer prices to surge. White writes, "Any available [fertilizer] supplies have spiked more than a third since the war in Iran paralyzed global trade."

Farmers in both countries can scarcely afford the disruptions, since high input, labor and fuel costs already have many farms operating with razor-thin profits or at a loss. Unlike China, U.S. fertilizer suppliers "do not hold strategic reserves of fertilizer," White adds. The lack of reserves leaves American planters vulnerable to global supply chain shortages and price volatility.

Corn and wheat crops require liberal doses of synthetic urea to grow healthy yields. White reports, "The U.S., which in some years imports half of its urea fertilizer, is about 25% short of the usual supplies that farmers buy for spring planting, according to The Fertilizer Institute, which represents the U.S. fertilizer supply chain."

Even if the Strait of Hormuz opened today, some of the fertilizer bottle-necked there might be rerouted to countries willing to pay more. Josh Linville, a fertilizer market analyst at StoneX, told Reuters, "Not only am I worried about incoming vessels being turned around to other, better-paying destinations, there's ⁠an argument to be made, if somebody was willing to go and buy up (supply on) barges, to load them onto a vessel and export it."

"The American Farm Bureau Federation warned that fertilizer supply shortages could hit the ⁠U.S. food ​supply," White adds. "Most fertilizer needs to be applied before the crop starts growing, so any supplies arriving ​too late cannot be used ⁠for the 2026 crop."

Mobile health clinics are combating maternity care deserts in Florida

An OB/GYN mobile outreach clinic directed by researchers Adetola F. Louis-Jacques, Arielle Ayotte, and Michelle Nall at the University of Florida is helping to address a maternity care desert in north-central Florida, they report for The Conversation.

Nationwide, 2.5 million, or 4%, of American women of childbearing age live in a maternity care desert, they report. A maternity care desert is any county with no hospital, birthing center or obstetric health care professional. “Women in maternity care deserts travel an average of 35 miles to reach a birthing hospital, compared to an average of 9 miles for women in full-access counties.”

Traveling longer distances for obstetric care is directly correlated with poorer infant and maternal health outcomes, studies show.

Florida counties with full, low, or no access to maternity care. 
(Map via The Conversation CC, data from March of Dimes 2023 statistics, Click to enlarge)

In Florida, only three of the 14 north-central counties have full access to obstetric care, the researchers explain, and six have low access. The other five counties are deserts that they estimate to have 3,400 women of childbearing age. They also found in a 2024 report that 18 of Florida’s 21 rural hospitals have no more obstetric care, often because of a lack of funding.

Their new mobile clinic, started in February last year, offers prenatal and postpartum care, breastfeeding support, family planning, annual gynecological exams and preventive health screenings. They have already cared for 194 women in 616 visits.

Everything is free to the patients, and they offer assistance to help eligible patients apply for Medicaid benefits. “In 2023, about 1 in 7 women of childbearing age in Florida were uninsured,” they report.

A survey of mobile clinic patients across the U.S. found they “reported receiving holistic care, feeling safer than they’d felt in other health care settings and interacting with staff who were mindful of health care costs,” as well as being able to “maintain continuity of care.”

Most mobile clinics don’t offer maternal and infant health services, the researchers explain, and as maternity care deserts grow, more OB/GYN mobile health clinics like this one can directly provide low-income, rural areas with regular prenatal and postpartum care that women wouldn’t have access to otherwise.

Congress could change USPS finances and avoid more service cuts that disproportionately hurt rural areas

Rural residents are more dependent on 
the USPS. (Photo by A. Land, Unsplash)

The U.S. Postal Service can't borrow any more money to cover ongoing deficits, and unless changes to its funding are made, USPS leadership has warned that the service will run out of money sometime in 2026. Elena Patel reports for Brookings.  "This fiscal crisis reflects a structural mismatch between what Congress requires the Postal Service to do and how it is financed."

When the USPS was created, its financial foundations included a monopoly on letter delivery tied to a universal service mandate; however, as the number of letters mailed in the U.S. steadily declined beginning in 2007, the universal service requirement remained in place. The lack of letter revenue essentially meant USPS could no longer afford to deliver to all 169 million addresses that Congress mandated it serve with affordable rates.

Once letter revenue tanked, the USPS still delivered to every address despite the financial toll. "The USPS nationwide delivery network ensures that access does not depend on geography or profitability," Patel explains.

Brookings graph, from USPS Form 10-K Operating Statistics, FY 2007–2025.

For rural communities, USPS mail carriers often go the "last mile" to complete a delivery. The mail is a backbone for small-town businesses, finances and even medical care. Patel writes, "Particularly in low-density and rural communities, the mail remains essential infrastructure. It delivers prescription medications, ballots, and online purchases, and it supports local small-business activity."

Patel suggests some USPS changes that Congress could enact, which are edited for brevity below.

• Restructure pension liability finances, "including shifting these costs to the Treasury, as is done for other federal agencies."
• Pay universal service costs: "The cost of the universal service obligation exceeded the value of the postal monopoly by roughly $2-$3 billion per year for the last several years. . . . Congress could fund that mandate explicitly through annual appropriations."
• Increase the USPS borrowing cap and allocate funds for infrastructure improvements. "Additional capital flexibility could ease short-term liquidity pressures and allow USPS to finance modernization over time rather than from current cash flows."

Congress can "realign the financing framework with the universal service mandate it has imposed," Patel adds. "Or it can allow liquidity constraints to narrow that mandate by default. In practice, that 'default' path would likely involve deferred payments, delayed investment, and increased pressure for service cuts that fall most heavily on the communities most reliant on the mail."

Opinion: The Rural Health Transformation Program challenges states to build and overhaul systems

R.J. Marse

When the Centers for Medicare & Medicaid Services announced $50 billion in funding for the Rural Health Transformation Program, many Americans may have assumed the money would help struggling rural hospitals shore up their finances and stay open. 

But RHTP program dollars aren't meant to prop up declining systems by helping them maintain the status quo of rural health care, writes R.J. Marse, General Counsel at Sprinter Health, in his opinion for Healthcare IT Today. "At $50 billion over five years. . . the amount is significant, but more noteworthy is the program’s intent."

The program aims to change how rural health care is approached and practiced by incentivizing innovation, technology and successful outcomes across a system.

RHTP challenges rural health systems to go beyond traditional health care infrastructure by designing and launching treatment that includes "telehealth and remote monitoring. . . technology-enabled solutions that allow providers to practice at the top of their license," Marse writes. "It even allows states to invest in early-stage healthcare companies, a signal that the ultimate goal is innovation."

Marse explains, "Funding is conditioned on outcomes, so while the aim is to reach more rural patients in more rural communities, interventions will need to do so in ways that measurably improve health and lower long-term costs."

RHTP structural demands push rural health care systems to combine modern medical treatment models with the inherent challenges of working with a rural population. Marse writes, "RHTP demands confronting the fact that many rural patients will not engage with care unless it comes to them – or, at least, closer to them. . . . Rural care transformation must, by necessity, be hybrid. It should deliver care virtually when appropriate, and physically when and where it’s needed."

"Rural health doesn’t need another bailout. It needs fundamentally different operating models that can endure when federal dollars dissipate," Marse explains. "Five years from now, RHTP will be judged not by how much money was spent, but by what was built." 

New $100,000 visa fee leaves rural schools with few options to fill in-person teaching positions

Many rural schools have depended on foreign teachers
to fill teaching positions. (Photo by K. Eliason, Unsplash)

At a time when rural schools can least afford to lose teachers, some school administrators have stopped offering international teacher contracts or contract renewals due to higher visa costs and uncertain immigration policies, reports Michael Melia of The Associated Press.

Teachers are in short supply across the U.S., with the shortage most acutely felt in rural counties that can't offer higher salaries or city amenities to recruit new educators. To fill the gaps, rural schools turned to international teachers. Melia writes, "More than 2,300 people with H-1B visas work as educators across 500 school districts."

Superintendent Vallerie Cave, who oversees schools in rural Allendale County, S.C., has consistently employed foreign teachers to fill roughly 25% of her open teaching positions, Melia reports. But this year, Cave is ending contracts and not extending new offers. She told AP, "Some of my very best teachers are having to return to their countries."

Early in 2025, the Trump administration raised H-1B visa fees to $100,000, which allowed "highly skilled foreign workers to be employed in the U.S," Melia explains. "The Trump administration argued American employees were being replaced, particularly in highly paid roles at tech companies."

In rural counties like Allendale, where poverty is high and teacher salaries are low, paying higher visa fees isn't feasible. And while many rural administrators will try to hire locally to fill gaps left by international teachers, many will add more online teaching or "consider hiring uncertified instructors, combining classes or dropping course offerings."

Some international teachers could teach in American schools with a J-1 visa, which "is not subject to the new fee," Melia adds. But many international teachers have decided not to teach in the U.S. for now and have chosen to go home. In turn, many American rural school districts are avoiding any visa issues by eliminating international teacher hires.

Like many rural school superintendents, Cave says she will do all she can to fill teaching gaps with certified teachers, but admits it will be hard. She told the AP, "I can’t really do competitive pay. For rural America, impoverished America, it is still a problem recruiting teachers.”

A $700 million regenerative farming pilot program may falter without the needed USDA staff and expertise

Clover is a "workhorse" cover crop used in regenerative
farming. (Photo by Veronica White, Unsplash)

Despite a $700 million budget and farmers excited about the program, the Regenerative Agriculture Initiative may have trouble getting off the ground. "The USDA’s Natural Resources Conservation Service has lost more than 2,000 employees since January 2025, potentially harming the department’s ability to roll out the initiative," reports Claire Carlson of The Daily Yonder.

The initiative was announced last December as a joint effort by the USDA and the Department of Health and Human Services to help farmers incorporate more regenerative farming practices, such as cover crops and no-till farming.

For the most part, the Trump administration's NRCS layoffs mostly terminated newer or early-career employees, who "are the employees who would have likely helped with the rollout of the Regenerative Agriculture Initiative," Carlson reports. "Without the necessary staffing, the initiative could falter — even though it’s likely to be very popular among farmers."

At its current staffing levels, the NRCS doesn't have enough employees to help farmers through the application and award process, and it may lack personnel with the right expertise, Carlson reports. 

When the Regenerative Agriculture Initiative was announced, U.S. Secretary of Agriculture Brooke L. Rollins, U.S. Health and Human Services Secretary Robert F. Kennedy,Jr. and Centers for Medicare & Medicaid Services Administrator Dr. Mehmet Oz issued a shared press release extolling the need for "American farmers [to] adopt practices that improve soil health, enhance water quality, and boost long-term productivity, all while strengthening America’s food and fiber supply."

It's unclear how American farmers can meet those goals without the necessary USDA staff at the Natural Resources Conservation Service to support farmers who want to participate in RAI. Carlson adds, "For farmers planning to apply for funds through the initiative, it’s quite possible their questions to the agency will go unanswered with fewer people on the job to assist."