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permanent affordability

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Nineteen people stand in a semi-circle facing the camera, on a partly paved road near some mobile homes and parked cars. They are mixed in age, gender, and skin color, and most have one arm raised high, making a fist; one person is raising both arms with thumbs up, and one person has not raised her arms.

Let’s Harness the Growth of the Shared-Equity Field

Between 2011 and 2022, the number of nonprofits with shared-equity programs and CLTs increased by 30 percent. Here's a look at the diversity of their programs and portfolios, and who's benefiting from their rise.

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Community Control

Scaling Up: How Some Community Land Trusts Are Getting Bigger

The community land trust model is in a time of dramatic growth and creativity. Some CLTs are aiming for larger scale than has been typical. How are they doing it?

Community Control

Interboro CLT: A Committed Pipeline from Powerhouse Community Development Groups

Four New York-based organizations work together to place every homeownership unit they develop into a community land trust.

Explainers

Understanding Community Land Trusts

What are CLTs? How do they work? What are the benefits and areas of concern? An overview.

Housing

Is the Housing Market the Answer to the Racial Wealth Gap?

In discussions around closing the racial wealth gap, we should be reminded that a very large portion of wealth gained by white Americans should be seen as ill-gotten.

building rendering
Housing

Shared-Equity Homeownership With No Public Subsidy

What if the future of shared equity homeownership was not dependent on government subsidies? Vivacité – Société immobilière solidaire, a Quebec-based non-profit organization, designed a shared equity program based on a social economy model that leverages impact investors to ensure perpetual affordability and scales its impact.

A building in East Oakland with colorful murals painted on the wall. A graffitied fence is to the right of the building.
Housing

Why Tenants Should Be Given the Opportunity to Purchase Their Buildings

Unlike so many owners who are quickly selling their properties to the highest bidder amidst rising real estate values, an East Oakland landlord was intent on giving the existing tenants a fair shot to purchase the property.

A view of a community in Oregon, with an American flag framing the left hand side. Lots of trees in the area.
Editor’s Note

The State of Permanent Affordability

In the face of accelerating gentrification, along with ongoing speculation and eviction, the idea of putting a substantial number of homes outside of the reach of the speculative market has been gaining momentum across the country.

A home at the Dos Pinos Housing Cooperative, the only limited-equity housing co-op in Davis, California.
Housing

A Low-Cost Ownership Oasis in a Desert of Apartment Unaffordability

When this limited-equity cooperative in California began more than 30 years ago, it wasn’t the most affordable place to live. But now the co-op’s monthly costs are 50 percent lower than the average market-rate apartment.

A group of residents stand outside of the Oak Hill Meeting House holding a sign that reads "We Own It." They are clapping and cheering.
Community Development Field

The State of Shared-Equity Homeownership

Though the need is greater than ever for resale-restricted, affordable homes, the growth of this model of homeownership appears to be limited.

Community Control

Community Land Cooperatives Should Oversee Neighborhood Economic Development

This nonprofit is organizing a real estate investment cooperative for the Mid-Atlantic region of the United States, with the exclusive purpose of incubating, funding, and assisting “community land cooperatives.”

A family of four sit outside their home in Portland. Portland's preference policy gives priority for homeownership opportunities funded by the city’s housing bureau to residents who were displaced.
Housing

Displaced Portland Residents Given Priority for Homeownership

A Portland policy gives priority for housing funded by the city’s housing bureau to residents who were displaced, are at risk of displacement, or are the descendants of families who were displaced due to urban renewal in North and Northeast Portland neighborhoods.

drawing of homes in a tree
Community Control

Believe in CLTs? Make Them Sustainable

Though much fanfare is showered on the CLT model, land trusts often struggle to get off the ground because very little support is available for those trying to create one or for existing CLTs looking to expand.