The share of older households with debt secured by their primary residence more than doubled between 1995 and 2016. This study uses the Survey of Consumer Finances (SCF) to…
Which families gain access to neighborhood and school contexts most conducive to their children’s development? Race and class continue to play central roles given the…
The draw of white and well-resourced suburban public schools has long fueled segregation in America’s metropolitan areas, but what happens when these schools become more…
Since the mid-twentieth century, many American suburbs have transformed from lily white enclaves to multiracial milieus. How do advantaged families respond? With residential…
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…
Elizabeth La Jeunesse, Alexander Hermann, Daniel McCue, Jonathan Spader
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September 17, 2019
Housing affordability has been a growing concern across the US over the past three decades. Indeed, between 1990 and 2017, the number of units renting for under $600…
First-time homebuyers increasingly include never-married households and newly-formed households, according to a new working paper I co-authored with Shannon Rieger and Sean…
Although homeownership rates rose for all racial and ethnic groups in 2016-2018, rates for black owners rose at a slower pace than for other groups. Consequently, the…
Homeownership has long been a central pillar of financial security for American families. However, the foreclosure crisis led many families and policymakers to revisit their…