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Housing
Housing matters. A stable, quality, affordable home is a foundation for so many other parts of life. How do we bring it in reach for everyone?
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Affordable Housing Financing Is Overpriced, But It Doesn’t Have to Be
Affordable housing construction finance reflects market norms, but its track record shows it’s far less risky than conventional market-rate housing loans. While lower default rates should lead to lower interest rates, they currently do not.
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Housing Markets Vary—So Must Our Tactics
There is widespread understanding about the vast differences in life outcomes that statistically come with different neighborhoods.

Whose Affordable Housing Crisis?
Being priced out of appreciating neighborhoods is not the housing affordability problem most Americans face. But they are facing one.
YIMBYs: Friend, Foe, or Chaos Agent?
The relationship between pro-building “Yes in My Back Yard” activists, longtime housing advocates, and anti-displacement organizers varies across the country, but has often been fraught with difficulties. Is there a way forward?
YIMBY, White Privilege, and the Soul of Our Cities
A common narrative being promoted about why there is a housing crisis ignores history and serves to assuage new residents’ guilty feelings. But we can craft a new narrative together.

Why Voters Haven’t Been Buying the Case for Building
It’s not because they’re stupid. If we want to convince people, we need to stop yelling and start listening.

Preserving Affordable Housing by Buying, Not Building
Two organizations are quietly furthering income integration in higher-income Chicago neighborhoods without new development.

Single-Family Subsidies Are Needed Outside Hot Markets
There isn’t a tax credit program available to spur investment in single-family residential neighborhoods, but an alliance of national real estate, housing, community development, lending, and construction organizations is working to change that.

Millennials and the Affordability Crisis: A Review of Generation Priced Out
As tenant struggles become a bigger focus of activist recruitment, Randy Shaw’s new book, Generation Priced Out, is an essential organizing guide.

Who Most Needs Access to Core Neighborhoods?
We have a limited number of dense core neighborhoods where getting around without a car and without a lengthy daily commute are possible.
What We Don’t Know About Development and Displacement
The data on the relationship between new development, affordability, and displacement is not nearly as clear-cut as advocates (of all persuasions) often imply.

Long Before Redlining: Racial Disparities in Homeownership Need Intentional Policies
The wealth gap is probably best illustrated in the way our country has, and has not, provided access to the single most important determinant of wealth for the majority of people in the United States—home and land ownership.
