Study says that Around 18,000 of Chicago's homeless had a college education in 2017 and more than 13,000 had jobs, most lived in shelters & in conditions that were not livable It is being blamed on housing costs, the report said. The "housing wage" needed to afford a two-bedroom apartment in urban areas is over $23 per hour, according to the National Low Income Housing Coalition. If not for Gods grace, where would we be.