Chris Herbert, Alexander Hermann, Daniel McCue, Chadwick Reed
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January 23, 2024
Manufactured housing holds promise as an affordable form of housing that could expand homeownership opportunities for low- and moderate-income households. This report reviews…
Daniel McCue, Raheem Hanifa, Chris Herbert
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March 22, 2023
The persistently wide homeownership rate gaps between Black, Hispanic, and white households mean that households of color are disproportionately excluded from the many…
For over 30 years, our Center has published its annual State of the Nation’s Housing report, which provides a comprehensive review of trends and drivers of housing market…
Chris Herbert, Jennifer Molinsky, Samara Scheckler, Kacie Dragan
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October 15, 2021
Older adult homeowners increasingly carry mortgage debt into retirement. The share of homeowners aged 65 and older with outstanding mortgages doubled between 1989 and 2016,…
Owning a home has the potential to provide older adults with higher levels of financial security, housing stability, and housing quality. Given that a large majority of older…
Kristin Perkins, Shannon Rieger, Jonathan Spader, Chris Herbert
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October 21, 2019
Previous studies of the financial constraints for homeownership attainment have found that cash grants to cover down payment and closing costs can fairly substantially…
Chris Herbert, Alexander Hermann, Daniel McCue
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September 25, 2018
The 30-percent of income standard is a widely used and accepted measure of the extent of housing affordability problems across the country. While simple and easy to implement…
This paper, by Christopher Herbert, Managing Director of the Harvard Joint Center for Housing Studies, originally presented at A Shared Future: Fostering Community of…
Jonathan Spader, Daniel McCue, Chris Herbert
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December 12, 2016
Following the rise and fall in the homeownership rate over the past two decades, considerable uncertainty exists about the future trajectory of the homeownership rate. This…
Jonathan Spader, Chris Herbert
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December 11, 2016
The decade-long decline in the homeownership rate in the United States has generated substantial discussion over its future path. In the face of continued uncertainty, this…