The Answer

An illustration of a headshot that has racially loaded terms enscribed on it. Surrounding the tombstone are reasons why these terms should not be used.The Answer is a one-page response to questions many of our readers find themselves being asked over and over, whether by colleagues, potential partners, funders, policymakers, or the public. It’s easy to download and print and it’s free to distribute with our credit on it. We want to hear how you are using The Answer, and also to get your suggestions for other questions to address: let us know about both at theanswer@shelterforce.org.

Q: Is Rental Housing a Rural Issue?

Yes! Although homeownership rates are higher in rural areas, there is still a significant rural population that needs rental housing.
A four-person family stands in a maze leading to a house. Around the maze are various answers to the question "Why doesn't the market produce enough affordable housing?" Image links to a pdf version.

Q: Why doesn’t the market produce enough affordable housing where people want it?

A: The market is supposed to meet demand, but the importance of location, location, location, plus other factors, keep this from working for affordable housing.

Q: Do economic development incentives support small businesses?

A. Not very much. Despite the claims of many states, when you look at the numbers, the vast majority of taxpayer dollars directed to economic development go to big corporations.

Q: Did Extending More Credit to Subprime Borrowers Cause the Foreclosure Crisis?

There are people who believe that the foreclosure crisis occurred because too many unqualified borrowers became homeowners. What actually happened was ...

Q: Is scattered-site rehab always more expensive than new construction?

A: No! A long-running program in Philadelphia is showing that scattered site rehab can be cheaper and have a larger revitalizing effect at the same time.

Q: What Do All These Rent Regulation Terms Mean?

As rents have been rising, organizing for rent regulations have gained steam. However, the terms used to describe rent regulations can be unclear.
An illustration of a headshot that has racially loaded terms enscribed on it. Surrounding the tombstone are reasons why these terms should not be used.

Q: Is It Time to Bury Racially Loaded Planning and Development Terms?

Shelterforce has gathered some racially loaded terms that are common in our field. We suggest you use these sparingly and carefully, if at all.
One-pager reads Do Section 8 voucher holders increase crime in a neighborhood? No! Shows two graphs illustrating the point. Image links to pdf version.

Q: Do Section 8 voucher holders increase crime in a neighborhood?

A: No! This is a perennial fear, but research shows that additional voucher holders don't change the crime rate at all. However it does show that . . .