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shared equity

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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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Housing

Shared Equity for the Rich?

One of the common arguments from those who are skeptical of shared-equity homeownership is that it's unfair to ask low-income people to give up their right to 100 percent of […]

Housing

A New Kind of Redlining: Punishing Success

During the worst years of the Great American Mortgage Meltdown, shared equity homes represented an island of stability in a turbulent sea of market failure. Whether community land trusts (CLTs); limited […]

Community Control

Braided Lives: Habitat–Land Trust Partnerships Bring Each Back to Their Roots

Though they started at the same place around the same time, community land trusts and Habitat for Humanity soon went their separate ways.  In recent years, however, inventive practitioners have […]

A drawing of a house with a red roof and a red path leading from door is accompanied by text explaining reasons why shared-equity homeownership makes sense in weak-market areas. Image links to pdf version.
Community Control

Q: What’s the Point of Shared-Equity Homeownership in Weak Market Areas?

Shared-equity homeownership is best known as a tool to fight displacement in hot-market areas. But in fact, it has many advantages in weak-market areas too.

Housing

The Threat (and Promise) of a Good Example

It’s embarrassing to admit, but those who vehemently oppose shared equity homeownership may have a deeper understanding of the sector’s potential than those of us who ardently support it. Our […]

Does shared-equity homeownership build assets? Yes. And keeps them safer than traditional homeownership does. Various graphs and charts follow to back up this assertion. Image links to pdf version.
Housing

Q: Does Shared-Equity Homeownership Build Assets?

A: Yes! And keeps them safer than traditional homeownership does.

Affordability

Homeownership Today and Tomorrow: Building Assets While Preserving Affordability

Can low-income families build enough equity in them to transform their circumstances? New research says yes.

Housing

Building in Affordability

A range of existing policy tools can help preserve and expand affordable housing near planned transit stations — but to have the most effect, they need to be put in place up front.

Community Control

Best of Both Worlds

Permanent affordability and asset building might seem at first blush to be contradictory goals for a low-income homeownership program, but new research says in fact they can be achieved together.

Policy

Homes That Last

Counter-cyclical stewardship is the only way to ensure that lower-income families are neither nudged out by rising costs nor forced out by foreclosure.

Housing

Taxation of Shared-Equity Homes

In 2004, the National Housing Institute launched an ongoing research project on shared-equity homeownership, focusing on three models of resale-restricted, owner-occupied housing: limited-equity cooperatives; community land trusts; and deed-restricted houses […]

Homeownership

Valuation and Taxation of Resale-Restricted, Owner-Occupied Housing

Shared-equity homeownership offers an option for bringing homeownership within reach for lower-income households.