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Affordable Housing in the United States

Colburn, Gregg, and Rebecca J. Walter. Affordable Housing in the United States. Routledge, 2025.

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Abstract

Affordable Housing in the United States addresses the issue of affordability of housing, or the lack thereof, going beyond conventional policy discussions to consider fundamental questions such as: What makes housing affordable and for whom is it affordable? What are the consequences of a lack of affordable housing? How is affordable housing created? And what steps can be taken to ensure all people have access to affordable housing?

With the understanding that different households face different challenges, the book begins by breaking down the variables relevant to the study of affordable housing, including housing costs, household income, geographic location, and market forces, to help readers understand and quantify affordability at the individual and societal level. Part II examines the consequences of unaffordable housing, highlighting racial inequities in housing access and affordability, and multiple forms of housing precarity including eviction and homelessness. Part III explores the entities involved in providing affordable housing such as local and federal governments, regulatory agencies, non-profit organizations, and for-profit developers. In Part IV, case studies from US cities demonstrate the complex web of organizations, policies, and market conditions that influence housing affordability, revealing substantial regional variations in access and policy response. Part V proposes a future roadmap and outlines four potential states with radically different outcomes for the affordable housing system in the United States.

An ideal book for graduate and undergraduate courses in economics, public policy, real estate finance and development, sociology, and urban planning, this title will also be of value to professionals and policymakers seeking to understand and improve housing affordability and access.

Products from 2023 Inspire Fund Cohort

A cohort of 4 projects were awarded Inspire Funds in April 2023. The report-outs from these projects are described below with a summary of project work and progress. The 2023 cohort of Inspire Fund awardees met with the 2024 cohort of awardees in May 2024 to share their accomplishments, successes, and challenges, and to foster a connection between these research teams as resources to one another. The 2024 cohort has begun their projects and will share their products in 2025….

Gregg Colburn cited in the Council of Economic Advisors 2024 Economic Report of the President

Associate Professor Gregg Colburn in the Runstad Department of Real Estate was cited in the Council of Economic Advisors 2024 Economic Report of the President. Chapter 4 of the report, “Increasing the Supply of Affordable Housing: Economic Insights and Federal Policy Solutions” cites a book from Aldren and Colburn, 2022, entitled “Homelessness Is a Housing Problem: How Structural Factors Explain U.S. Patterns.” (Available here: https:// homelessnesshousingproblem.com/.) Read the report, and see the book from Aldren and Colburn for more information.

The dynamics of housing cost burden among renters in the United States

Colburn, G., Hess, C., Allen, R., & Crowder, K. (2024). The dynamics of housing cost burden among renters in the United States. Journal of Urban Affairs, 1–20. https://doi.org/10.1080/07352166.2023.2288587.

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Abstract

Housing cost burden—defined as paying more than 30% of household income for housing—has become a central feature of the American stratification system with dire consequences for the health and well-being of adults and children living in burdened households. To date, existing research has largely focused on the overall prevalence and distribution of housing cost burden—that is, the percentage of households that are cost burdened at a given time and differences in exposure to housing cost burden based on race and income using cross-sectional sources of data. To more fully understand the dynamics of housing cost burden among renter households in the United States including the frequency and duration of spells, we use 50 years of longitudinal data from the Panel Study of Income Dynamics (PSID). The analysis reveals that, in contrast to the episodic nature of poverty, housing cost burden is deep, frequent, and persistent for a growing share of American households.

Keywords

Housing cost burden; rental housing; housing affordability; rent burden

College of Built Environments Announces 2023 Inspire Fund Awards

In 2021, the College of Built Environments launched the CBE Inspire Fund to “inspire” CBE research activities that are often underfunded, but for which a relatively small amount of support can be transformative. The Inspire Fund aims to support research where arts and humanities disciplines are centered, and community partners are engaged in substantive ways. Inspire Fund is also meant to support ‘seed’ projects, where a small investment in early research efforts may serve as a powerful lever for future…

Racial Disparity in Exposure to Housing Cost Burden in the United States: 1980-2017

Hess, Chris; Colburn, Gregg; Crowder, Kyle; Allen, Ryan. (2022). Racial Disparity in Exposure to Housing Cost Burden in the United States: 1980-2017. Housing Studies, 37(10), 1821-1841.

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Abstract

This article uses the Panel Study of Income Dynamics to analyse Black–White differences in housing cost burden exposure among renter households in the USA from 1980 to 2017, expanding understanding of this phenomenon in two respects. Specifically, we document how much this racial disparity changed among renters over almost four decades and identify how much factors associated with income or housing costs explain Black–White inequality in exposure to housing cost burden. For White households, the net contribution of household, neighbourhood and metropolitan covariates accounts for much of the change in the probability of housing cost burden over time. For Black households, however, the probability of experiencing housing cost burden continued to rise throughout the period of this study, even after controlling for household, neighbourhood and metropolitan covariates. This suggests that unobserved variables like racial discrimination, social networks or employment quality might explain the increasing disparity in cost burden among for Black and White households in the USA.

Keywords

Housing; Racial Inequality; Households; Neighborhoods; Social Networks; Cost Burden; Housing Cost; Employment Discrimination; Housing Costs; Racial Discrimination; Social Factors; Dynamic Tests; Black White Differences; Tenants; Income Inequality; Race Factors; Social Organization; Cost Analysis; Black People; Racial Differences; Income; Exposure; Inequality; Social Interactions; Employment; United States--us