Safe Drinking Water
This tool highlights State-defined disadvantaged communities (DACs) under the Drinking Water State Revolving Fund (DWSRF) program in six Great Lakes states. It helps people understand how states define DACs and who benefits from DWSRF funding.
New to all this? Check out an introduction or jump into the data below.
xPick a State to get started...
tip: enter an address or click on the map to explore specific community water system service areas.
Check the user guide to learn what you can do with this tool and ways to use it.
Loading Data
loading...
Snapshot
Download Data ︾The state of has community water systems. Of those, qualify as state-defined disadvantaged communities (DACs) based on criteria that uses for its DAC definition. See DAC Definition below for criteria details and caveats.
New to all this? Check out an introduction or jump into the data below.
xVisualized in blue on the map of are the % of community water system service areas that qualify as disadvantaged communities by meeting required criteria.
tip: enter an address or click on the map to explore how specific community water system service areas do, or do not qualify as a DAC. See the user guide for more tips.
DAC Definition
+To view DAC definition criteria, select a state or a community water system service area by clicking on the map, or entering an address
Below is the criteria Illinois uses to determine whether a water system service area is disadvantaged and qualifies for principal forgiveness reserved for DACs.
For a detailed explanation and analysis of Illinois’ DAC definitions and related policies, see the supplemental Great Lakes States DAC Definition Report.
DAC Definition Criteria ?
- Population must be less than 25,000
- Meet at least one of the following:
- Median household income is less than the state median income of $
- ✔✖ : $
- Unemployment rate is greater than the state unemployment rate of %
- ✔✖ : %
- Average water rate is greater than 1.0% of median household income
- ✔✖ : %
✔✖ :
~ and ~
Definition sources: SFY25 IUP, Administrative Code, State DWSRF webpage
Below are the criteria Indiana uses to determine whether a water system service area is disadvantaged and qualifies for principal forgiveness reserved for DACs.
For a detailed explanation and analysis of Indiana's DAC definitions and related policies, see the supplemental Great Lakes States DAC Definition Report.
DAC Definition Criteria ?
- Median household income must be less than 80% of state median household income ($)
✔✖ : $
note: Additional community water system service areas may also meet the Indiana DAC definition if the project proposal meets either of the following criteria:
- The median household income of the proposed project area is less than 80% of the state median household income
- The average water rate increase warranted by the proposed project exceeds $60.00 per month
- The average water rate increase warranted by the proposed project exceeds 1% of the median household income
Definition sources: SFY25 IUP, State DWSRF webpage
Below is the criteria Michigan uses to determine whether a water system service area is disadvantaged and qualifies for principal forgiveness reserved for DACs.
For a detailed explanation and analysis of Michigan’s DAC definitions and related policies, see the supplemental Great Lakes States DAC Definition Report.
DAC Definition Criteria ?
- Median household income must be less than the state median income of $
- Taxable value per capita must be less than $23,778
✔✖ : $
~ and ~
✔✖ : $
note: Additional community water system service areas may also meet the Michigan DAC definition if the project proposal meets the median household income criteria and also the following criteria:
- The average water rate increase warranted by the proposed project exceeds 1% of the median household income
Definition sources: SFY25 IUP, State DWSRF webpage
Below is the criteria Minnesota uses to determine whether a water system service area is disadvantaged and qualifies for principal forgiveness reserved for DACs.
For a detailed explanation and analysis of Minnesota’s DAC definitions and related policies, see the supplemental Great Lakes States DAC Definition Report.
DAC Definition Criteria ?
- Average water rate must be greater than 1.2% of median household income
✔✖ Average water rate for is % and median household income of is $
note: The Minnesota DAC definition for lead service line replacement projects is determined according to the project proposal using the following criteria:
- The average water rate increase warranted by the proposed project exceeds 1.2% of the median household income
Definition sources: SFY25 IUP, State DWSRF webpage
Below is the criteria New York uses to determine whether a water system service area is disadvantaged and qualifies for principal forgiveness reserved for DACs.
For a detailed explanation and analysis of New York’s DAC definitions and related policies, see the supplemental Great Lakes States DAC Definition Report.
DAC Definition Criteria ?
- Population must be less than 300,000
- Meet at least one of the following:
- Median household income must be less than 80% of regional median household income ($)
- ✔✖ : $
- Median household income must be less than 100% of regional median household income ($) and the poverty rate must be greater than the state poverty rate of %
- ✔✖ : %
✔✖ :
~ and ~
note: Additional community water system service areas may also meet the New York DAC definition if the project proposal meets the following criteria:
- At least 50% of the project cost or project scope must serve, protect, or benefit an identified Environmental Justice (EJ) area, based on NYSDEC maps of Potential EJ Areas
- Where the municial population is greater than 300,000, if an acceptable income survey is submitted for an established Town or county special assessment district that confirms the project service area population is less than 300,000. What is an "acceptable" income survey is not defined in the IUP, however.
Definition sources: SFY25 IUP, State DWSRF webpage
Below is the criteria Ohio uses to determine whether a water system service area is disadvantaged and qualifies for principal forgiveness reserved for DACs.
For a detailed explanation and analysis of Ohio’s DAC definitions and related policies, see the supplemental Great Lakes States DAC Definition Report.
DAC Definition Criteria ?
- Population must be less than 10,000
- Meet at least three of the following:
- Median household income is less than the state median income of $
- ✔✖ : $
- 200% Poverty rate is greater than the state poverty rate of %
- ✔✖ : %
- Unemployment rate is greater than the state unemployment rate of %
- ✔✖ : %
- Average water rate is greater than 1.44% of median household income
- ✔✖ : %
✔✖ :
~ and ~
note: The Ohio DAC definition also requires community water system service areas to provide documented health indicators
Definition sources: SFY25 IUP, State DWSRF webpage
Wisconsin's criteria uses a point system to determine whether a water system service area is disadvantaged and qualifies for principal forgiveness reserved for DACs. DACs with more points are eligible for a higher percentage of project costs as principal forgiveness.
For a detailed explanation and analysis of Wisconsin’s DAC definitions and related policies, see the supplemental Great Lakes States DAC Definition Report.
DAC Definition Criteria ?
Any community water system with 60 or more points based on how it scores in the tables below is considered a DAC.
Use the tables below to see where qualifies for points.
- Population
- Points Population
- 0 10,000 or more
- 10 8,500 ‐ 9,999
- 20 5,000 ‐ 8,499
- 30 3,000 ‐ 4,999
- 40 2,000 ‐ 2,999
- 50 1,500 ‐ 1,999
- 60 1,000 ‐ 1,499
- 70 500 ‐ 999
- 80 250 ‐ 499
- 100 0 ‐ 249
✔✖ : ( points)
- Median household income as percent of state median income
- Points MHI as % of State MHI ($)
- 0 126% or more
- 5 116% to 125%
- 10 106% to 115%
- 15 101% to 105%
- 20 96% to 100%
- 25 91% to 95%
- 30 86% to 90%
- 40 81% to 85%
- 50 76% to 80%
- 60 71% to 75%
- 70 66% to 70%
- 85 61% to 65%
- 100 60% or less
✔✖ Median household income: $ ( points)
- 200% Poverty rate
- Points 200% Poverty rate
- 0 7% or less
- 5 8% ‐ 11%
- 10 12% ‐ 15%
- 20 16% ‐ 19%
- 30 20% ‐ 23%
- 40 24% ‐ 27%
- 50 28% ‐ 31%
- 65 32% ‐ 35%
- 80 36% ‐ 39%
- 100 40% or more
✔✖ : % ( points)
- Population loss over 20 years
- Points Population loss over 20 years
- 5 5% ‐ 9%
- 10 10% ‐ 14%
- 15 15% or more
✔✖ : % ( points)
- Unemployment rate as percent greater than the state unemployment rate
- Points Unemployment rate as % greater than state unemployment rate (%)
- 10 0.0% ‐ 0.9%
- 20 1.0% ‐ 1.9%
- 25 2.0% or more
✔✖ : % ( points)
- Lowest quintile household income upper limit as percent of state LQI
- Points LQHHI upper limit as % of state LQI ($)
- 10 70% ‐ 79%
- 15 60% ‐ 69%
- 20 59% or less
✔✖ : $ ( points)
Definition sources: SFY25 IUP, State DWSRF webpage
DAC Analysis
+How would another state's definition affect water system service areas?
What if some criteria was adjusted?
Answer these questions by modifying state-defined criteria or customize your own to see how different definitions would qualify or disqualify community water system service areas in .
Modify criteria used by
Using your adjustedthe modified criteria listed below, % of community water system service areas in would qualify as a disadvantaged community.
The community water system service area meets the modified DAC definition criteria listed below does not meet the modified DAC definition criteria listed below.
Demographics
+Click here to view water system service area details and demographics for .
state-wide water system demographics
Map Layers
+Intro copy. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
Some states have provisions in their DAC definition that allow for DAC criteria to be assessed for geographic areas smaller than the entire CWS area, particularly for projects addressing lead service line replacement. This layer shows Census Tracts within community water system service areas that may qualify as a DAC for projects within their bounds.
Highlight CWSs with violations between 2014-2023. Select a CWS and open up the details to see the types of violations and the current compliance status.
The Climate and Economic Justice Screening Tool (CEJST) utilizes diverse datasets to gauge burdens across eight critical categories: climate change, energy, health, housing, legacy pollution, transportation, water and wastewater, and workforce development.
About this tool
This tool highlights state-defined disadvantaged communities (DACs) under the Drinking Water State Revolving Fund (DWSRF) program in six Great Lakes states. It helps users understand how states define DACs and who benefits from DWSRF funding. more »
Resources
These resources will help the user familiarize themselves with the topic of state-defined Disadvantaged Communities based on their level of engagement on these issues.
Introductory
- “Disadvantaged Communities” and Affordability Criteria Fact Sheet
(SRF Advocates Forum) - How States' DAC Definitions Can Prioritize Access to SRFs for Under-Resourced Communities
(EPIC) - How States Define DACs for the DWSRF
(EPIC)
Intermediate
- DWSRF Disadvantaged Community Definitions: A Reference for States
(EPA) - Following the Money: How Dollars Flow From Federal Appropriations Through State Revolving Fund Programs to Support Local Water Infrastructure Projects
(EPIC) - Are More Drinking Water Funds Going to State-defined Disadvantaged Communities Through State Revolving Funds? (Answer: Be Patient!)
(EPIC)
Advanced
- Improving a Program that Works: Prioritizing New Jersey Water Bank Projects in Disadvantaged Communities
(NJ Future) - A New Era for the Drinking Water State Revolving Funds: Identifying Ways to Better Assist Disadvantaged Communities
(ASDWA)
Connect with SRF Community!
- SRF Advocates Forum
The SRF State Advocates Forum is a nationwide group that promotes the equitable use of SRF funds for climate-resilient water infrastructure, addressing issues like drinking water safety and affordability. - Clean Water for All Coalition
Clean Water for All is a national coalition that brings together diverse organizations to build and use their collective power to advance equitable policies that promote and increase clean water protections, access, and affordability across the nation.
About
The Center for Neighborhood Technology (CNT), in partnership with the Environmental Policy Innovation Center (EPIC), developed this Mapping Tool and accompanying report to generate insights into Drinking Water State Revolving Fund (DWSRF) definitions of disadvantaged communities (DACs) for the Great Lakes states.
This tool was created to support and inform advocacy efforts, community-led solutions, and policymakers working to enhance the equitable distribution of funding and improve the efficiency and effectiveness of Drinking Water State Revolving Fund (DWSRF) programs through Disadvantaged Community (DAC) definitions.
The tool maps DACs in six Great Lakes states- Illinois, Indiana, Minnesota, New York, Ohio, and Wisconsin. The project also considered Pennsylvania’s DAC definition but determined that the features of Pennsylvania’s DAC definition made it difficult to map accurately. Also, even for states included in the tool, there are some DAC factors which cannot be mapped because the information to be considered – such as the impact of a proposed project’s cost on water rates – is not publicly accessible. Please look out for notes on each state page noting these concerns, which are also noted and explained further in the accompanying report. Also, even for factors that are mapped, note that the geographic scope of the communities being assessed for DAC factors do not always align neatly with the census tracts from which data is drawn.
The accompanying report outlines how their DWSRF programs define DACs and highlights the variability across these definitions. It also introduces challenges in mapping DAC criteria—such as using non-public data—while supporting the tool’s role in collecting, analyzing, and comparing state definitions.
It is important to note that while qualifying as a state-defined DAC is important, it doesn't guarantee that a community will receive the most favorable, or any, assistance from the DWSRF. States have the authority to make various policy decisions that determine which DACs receive benefits, such as principal forgiveness, and the extent of those benefits. Read the accompanying report to learn more about the other decisions that impact funding outcomes for state-defined DACs.
We thank the following community-based and non-profit organizations for their feedback on this tool's development:
Special thanks to our funders:
To familiarize yourself more with the tool and the topic of state-defined DACs, please visit the following: