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.
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….
Walter, R. J., Acolin, A., & Tillyer, M. S. (2024). Association between property investments and crime on commercial and residential streets: Implications for maximizing public safety benefits. SSM – Population Health, 25, 101537–101537. https://doi.org/10.1016/j.ssmph.2023.101537.
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Abstract
Physical property investments enhance public safety in communities while alleviating the need for criminal justice system responses. Policy makers and local government officials must allocate scare resources for community and economic development activities. Understanding where physical property investments have the greatest crime reducing benefits can inform decision making to maximize economic, safety, and health outcomes. This study uses Spatial Durbin models with street segment and census tract by year fixed effects to examine the impact of physical property investments on changes in property and violent crime over an 11-year period (2008-2018) in six large U.S. cities. The units of analysis are commercial and residential street segments. Street segments are classified into low, medium, and high crime terciles defined by initial crime levels (2008-2010). Difference of coefficients tests identify significant differences in building permit effects across crime terciles. The findings reveal there is a significant negative relationship between physical property investments and changes in property and violent crime on commercial and residential street segments in all cities. Investments have the greatest public safety benefit where initial crime levels are the highest. The decrease in violent crime is larger on commercial street segments, while the decrease in property crime is larger on residential street segments. Targeting the highest crime street segments (i.e., 90th percentile) for property improvements will maximize public safety benefits.
Keywords
Violent and property crime; Public safety; Physical property investments
Population Health Initiative gave 12 early-stage pilot grants to interdisciplinary teams. One team included Rebecca Walter, an associate professor in the Runstad Department of Real Estate. Project title: “Housing affordability and chronic stress in the US: Does affordability modify the effect of neighborhoods on health?” Project team: Amy J. Youngbloom, Department of Epidemiology Stephen J. Mooney, Department of Epidemiology Anjum Hajat, Department of Epidemiology Isaac Rhew, Department of Psychiatry & Behavioral Sciences Rebecca Walter, Runstad Department of Real Estate Project…
Khan, A. S., Aurand, A., Hamideh, S., Vickery, J., Walter, R. J., & Errett, N. A. (2023). Assessing the roles and responsibilities of public housing authorities in state-level disaster plans. International Journal of Disaster Risk Reduction, 98, 104074–. https://doi.org/10.1016/j.ijdrr.2023.104074
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Arthur Acolin & Rebecca J. Walter (2023). Mortgage Loan Costs: Magnitude and Drivers of Variation. Housing Policy Debate, DOI: 10.1080/10511482.2023.2236984
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Abstract
This article uses national data disclosed as part of the Home Mortgage Disclosure Act (HMDA) to examine variations in loan costs based on type of loan, borrower, purpose (purchase, improvement, or refinance), and neighborhood characteristics. Loan costs are generally higher for nonconventional conforming loans with higher levels of credit risks (loans with higher combined loan-to-value, higher debt-to-income ratios, and for investment properties). This implies that product and borrower risk impact loan costs. However, borrower characteristics such as income and race/ethnicity are also associated with differences in loan costs even after controlling for loan characteristics, location, and lender fixed effects. Total loan costs are higher both in dollar terms and as a share of the loan amount for Black borrowers and Hispanic borrowers, and total loan costs represent a higher share of the loan amount for lower income borrowers. These disparities are larger in neighborhoods with higher levels of lender concentration and implicit racial bias. These findings suggest that in addition to access to mortgages and interest rates, loan costs can represent a barrier for access to homeownership with a disparate impact for Black and Hispanic borrowers, which contributes to perpetuate the homeownership gap.
Keywords
Mortgage loan costs; homeownership; borrowing constraints; homeownership gap
Walter, R. J., Tillyer, M. S., Ramiller, A., & Acolin, A. (2023). Scaling Down from the Neighborhood in Urban Planning Research and Practice: The Potential Benefits of a Micro-Scale Focus. Journal of Planning Education and Research. https://doi.org/10.1177/0739456X231175593
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Abstract
The neighborhood has been the dominant spatial unit in urban planning since the early 20th century. Criticisms of the neighborhood unit include disagreements about defining boundaries, methodological challenges in capturing neighborhood effects, and negative impacts on communities. With advancements in data management, and public data available at smaller units (street block or property), quantitative analyses are possible at the micro-scale. This commentary draws on crime research and prevention to illustrate the benefits of micro-scale approaches to quantitative analyses in the field of urban planning, arguing that the devolution to smaller scales may be a vehicle for efficient resource allocation.
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…
Walter, Rebecca J.; Tillyer, Marie Skubak; Acolin, Arthur. (2022). Spatiotemporal Crime Patterns across Six US Cities: Analyzing Stability and Change in Clusters and Outliers. Journal Of Quantitative Criminology.
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Abstract
ObjectivesExamine the degree of crime concentration at micro-places across six large cities, the spatial clustering of high and low crime micro-places within cities, the presence of outliers within those clusters, and extent to which there is stability and change in micro-place classification over time. MethodsUsing crime incident data gathered from six U.S. municipal police departments (Chicago, Los Angeles, New York City, Philadelphia, San Antonio, and Seattle) and aggregated to the street segment, Local Moran’s I is calculated to identify statistically significant high and low crime clusters across each city and outliers within those clusters that differ significantly from their local spatial neighbors.ResultsWithin cities, the proportion of segments that are like their neighbors and fall within a statistically significant high or low crime cluster are relatively stable over time. For all cities, the largest proportion of street segments fell into the same classification over time (47.5% to 69.3%); changing segments were less common (4.7% to 20.5%). Changing clusters (i.e., segments that fell into both low and high clusters during the study) were rare. Outliers in each city reveal statistically significant street-to-street variability. ConclusionsThe findings revealed similarities across cities, including considerable stability over time in segment classification. There were also cross-city differences that warrant further investigation, such as varying levels of spatial clustering. Understanding stable and changing clusters and outliers offers an opportunity for future research to explore the mechanisms that shape a city's spatiotemporal crime patterns to inform strategic resource allocation at smaller spatial scales. (PsycInfo Database Record (c) 2022 APA, all rights reserved)
Keywords
Micro-places; Spatiotemporal Crime Patterns; Spatial Clusters; Spatial Outliers; No Terms Assigned
Hess, Christian; Walter, Rebecca J.; Acolin, Arthur; Chasins, Sarah. (2019). Comparing Small Area Fair Market Rents with Other Rental Measures across Diverse Housing Markets. Cityscape, 21(3), 159 – 186.
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Abstract
Small Area Fair Market Rents (SAFMRs) are calculated at the 40th percentile of the U.S. postal ZIP Code instead of the metropolitan area in an effort to capture localized rents to expand choice for voucher holders to access housing in higher-opportunity neighborhoods. Existing studies on the potential and actual outcomes of SAFMRs demonstrate that findings vary for different types of housing markets. Furthermore, the decisions public housing authorities (PHAs) make in the implementation process affect PHAs' program budget and the rent burden and locational outcomes for voucher households. This study aims to address how these implementation factors are affected by local rental market conditions for three PHAs-Housing Authority of the City of Fort Lauderdale, San Antonio Housing Authority, and Seattle Housing Authority-in diverse housing markets. By comparing different sources of market rent estimates with SAFMRs in each location, we contribute new information about how this rule is likely to produce different residential outcomes in terms of increased access to low-poverty neighborhoods and adjustments to payment standards in low-rent neighborhoods. The findings reveal differences across rent measures in terms of estimated levels and relative differences across ZIP Codes. These findings suggest that housing authorities may face challenges in meeting the objectives of the SAFMR final rule without some form of local adjustments.]