Working Papers

Estimating the Gap in Affordable and Available Rental Units for Families

Authors: Whitney Airgood-Obrycki, Jennifer Molinsky | April 02, 2019

While we typically think of family households as homeowners, renters are more likely than homeowners to have children in their household. However, migration, development, and tenure trends over the last decade have affected the availability of rental housing suitable for families. For low-income households with children, finding an affordable, right-sized, and safe unit can be a significant challenge....

Tenure Projections of Homeowner and Renter Households for 2018-2038

Author: Jonathan Spader | March 25, 2019

Following the rise and fall in the U.S. homeownership rate over the past two decades, considerable uncertainty exists about its future trajectory. This paper presents our tenure projections for 2018-2038. ...

Effects of the Community Reinvestment Act (CRA) on Small Business Lending

Authors: Lei Ding, Hyojung Lee, Raphael Bostic | March 04, 2019

This study provides new evidence on the effectiveness of the Community Reinvestment Act (CRA) on small business lending by focusing on a sample of neighborhoods with changed CRA eligibility status across the country because of an exogenous policy shock in 2013. ...

Defining Suburbs: How Definitions Shape the Suburban Landscape

Authors: Whitney Airgood-Obrycki, Shannon Rieger | February 20, 2019

This paper examines three types of suburban definitions to understand how they differentially shape our understanding of suburban space and suburban change. The objectives of the paper are to investigate replicable methodologies for defining US suburbs at the neighborhood scale using national, publicly available datasets, to help researchers understand how these definitions compare to one another, and to provide scholars and practitioners with a guideline for evaluating and selecting suburban classifications....

Updated Household Growth Projections: 2018-2028 and 2028-2038

Updated Household Growth Projections: 2018-2028 and 2028-2038

Authors: Daniel McCue, kerry-donahue | December 18, 2018

The Joint Center for Housing Studies (JCHS) last released its projections for household growth in 2016, calling for a robust increase of 13.6 million households over the decade from 2015 to 2025 and 11.0 million over 2025-2035.1 Since then the Census Bureau has released updated population projections, a key input into the Center’s outlook for household growth. These latest projections predict slower rates of population growth, largely due to reduced levels of net foreign immigration and slightly higher mortality rates for some segments of the populations....

Measuring Housing Affordability: Assessing the 30 Percent of Income Standard

Measuring Housing Affordability: Assessing the 30 Percent of Income Standard

Authors: Christopher Herbert, Alexander Hermann, Daniel McCue | 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, the measure is not perfect. The limitations of the 30-percent standard have long been recognized: its rigid uniformity amidst a diverse and ever-changing array of affordability challenges raises questions about its validity over time and across markets and household types. ...

A Shared Future: The Interdependence of Housing and School Segregation

A Shared Future: The Interdependence of Housing and School Segregation

Author: Anurima Bhargava | July 06, 2018

This paper provides an overview of the ways in which "housing and education in America have long been inextricably and intricately linked."...

A Shared Future: The Social and Economic Value of Intentional Integration Programs in Oak Park, IL

A Shared Future: The Social and Economic Value of Intentional Integration Programs in Oak Park, IL

Author: J. Robert Breymaier | July 06, 2018

The paper is a detailed discussion of the Oak Park Regional Housing Center, which since 1972 has been working ensure that there is "meaningful and lasting racial diversity in Oak Park," a village of about 50,000 people located next to the West Side of Chicago. ...