housing essay

Housing Essay Examples and Topics

Housing: renting and owning a house, housing finance management and organizations.

• Words: 2848

Advantages and Disadvantages of Buying a Home

Historical development of real estate in atlanta, ga.

• Words: 2417

Rent Controls: Arguments For and Against

• Words: 2195

Real Estate Development: Business Continuity Plan

• Words: 3283

The Byron Bay Community: Social Housing Programs

• Words: 2272

The House Restriction in China

• Words: 2822

Housing Price Effects on Local Economy and Social Welfare

• Words: 2522

Buying a New House: Decision Making

• Words: 2348

Effects of Falling House Prices on the UK Economy

Housing bubble in london, its features and tips.

• Words: 1716

Real Estate Market in India

Barriers of affordable housing for people on low incomes, home, housing, and housing in international practice.

• Words: 1134

Econometrics: How to Predict House Prices

• Words: 1516

Renting vs. Home Ownership: Advantages and Disadvantages Concerning Today’s Economy

• Words: 1938

Housing Problem in Canada

• Words: 2577

Public Housing Redevelopment Projects in New York

• Words: 1502

Affordable Housing and Sustainable Development

Housing: the phenomenon of gentrification.

• Words: 2873

Switzerland’s Housing Crisis and Emerging Technology

• Words: 1224

Housing in Georgia: Rising Costs

The rising cost of housing in georgia.

• Words: 1197

Buying a House: Studying Financial Aspects

Owning vs. renting a house: advantages and disadvantages, issue of housing bubble burst and potential prevention, housing and empowering our heroes.

• Words: 1188

The Value of a Realtor’s Professional Services to Sell Residential Houses

Housing development board case description.

• Words: 2867

The Real Estate Registration: Key Issues

The 2008 financial crisis and housing policies, the importance of down payment in homebuying, converting hotel to a temporary shelter.

• Words: 1682

Housing Usage Issues in Modern Society

Residential property research report.

• Words: 2053

When the Money Runs Out by Braid: Article Summary

The rise and fall of the housing market during the covid-19 pandemic.

• Words: 1670

Millennials in the Housing Market

Assessment of factors that predict the prices of houses.

• Words: 1961

Housing Market and Financing in the US

• Words: 1964

SOW, Performance, and Planning

• Words: 2385

Sherwood Village Senior Apartments vs. Orinda, CaliFornia: Housing Comparison

Housing interventions for homelessness.

• Words: 1390

The USA Housing Market Overview

• Words: 3658

Florida’s Housing Crisis Analysis

“vital signs: is housing rebound at hand”: housing rebound is a short-term spring back.

• Words: 1375

Unraveling the Collapse: Inside the American Housing Crisis

Real estate management – analysis and valuation.

• Words: 1867

Saudi Arabian Real Estate Industry Analysis

• Words: 3957

House Prices Determinants in East Ville

• Words: 1339

Real Estate Development Firms and Their Aspects

• Words: 6594

Evaluation of the Sound Families Initiative

Commercial real estate finance, croydon and lambeth: housing overview.

• Words: 2503

Buying a Home: Trends and Strategies in the Real Estate Industry

• Words: 1121

Market Valuation and Investment Appraisal

• Words: 2230

South African Gold Mining Industry Review

• Words: 3199

Desert Palm Apartments Overview

• Words: 2326

Construction of a New Building for Newton University

• Words: 3118

Senior Housing and Its Future in the US

• Words: 5418

Personal Finance. Buying a House

• Words: 1487

Comparison of the House Demolition & Relocation in China and the US

The real estate mortgage market and laws in saudi arabia.

• Words: 2984

Impact of a National Economic Stimulus Program on Housing Industry

• Words: 2851

Real Estate Market Conditions in Sacramento

Causes and effects of housing market crash in america.

• Words: 2123

Real Estate Management: Real Estate Purchase Decisions

• Words: 3512

Reasons Why Housing Prices Have Fallen in the UK Since July 2008

Overview of the changes in the uk housing market, real estate housing bubble.

• Words: 2063

The Economics of Property Management

Effects of economy to home building industry.

• Words: 2435

Habitat and Humanity in Australia

• Words: 2573

Contribution of the Credit Crunch Towards a Downturn in UK House Prices

• Words: 2329

Margin of Error in the Negligent Valuation

• Words: 7405

Living Environments: Classification for Youth

Australian housing affordability.

• Words: 1718

The Impact of Debt on the Housing Market in the UK

• Words: 3631

Asbestos and Effects on Real Estate Development

• Words: 1704

UK Commercial Property Booms and Slumps Analysis

• Words: 4233

Choice in Housing Synopsis

Considering the costs and benefits of purchasing a home, buying a living space versus renting one, time value of money – preparing for home ownership, different forms of property within non saudi societies.

• Words: 2523

Economics Principle: Price Controls on Rental Market

• Words: 1025

Social Cohesion in Hong Kong Transitional Housing

• Words: 2300

San Francisco Social Housing

• Words: 1529

Residential Housing Market: Challenges, Strategies, Trends

• Words: 4237

Social Housing in China

• Words: 1688

Sydney’s and Gold Coast’s Placemaking and Housing

• Words: 1646

On-Reserve Home Loan Program for Okanagan People

• Words: 1868

The Small Lot Ordinance Policy

• Words: 3369

Creating New Housing Opportunities in UAE

Urban residential changes in china.

• Words: 2213

Housing Trust Fund Project

The history of pruitt-igoe urban housing project.

• Words: 1409

Young Adults Increasingly Moving in With Parents

London housing market and prices increase.

• Words: 2218

Loss Aversion and Seller Behavior in Housing Market

Buying a house: ethical and legal issues.

• Words: 1089

Real Estate Text Marketing in China

• Words: 16003

Housing Distribution for Emirates in the UAE

• Words: 2237

House Prices in the Real Estate Market

Sheikh zayed housing program analysis.

• Words: 1116

Houses Market and Ownership Transactions

Real estate: product purchases and the economy.

• Words: 1157

Household Spending Survey in Oman 2004-2014

American housing market crisis before 1990’s and after 2000, government housing programs to assist low-income renters.

• Words: 2987

Slowdown in U.S housing market

• Words: 1635

Housing Market: Sale Price for Houses

• Words: 1038

History of Housing Policies in the UK and Netherlands

• Words: 2974

Tenant Focused Housing Services

• Words: 2963

Housing Market in Sydney

America’s housing crisis.

• Words: 1095

Dealing with Private Housing: Landlord Acceleration Scheme in Motion

Cleveland’s poor economy and deplorable housing conditions.

• Words: 2591

The Housing Crisis Of 2007

• Words: 2001

Housing - List of Essay Samples And Topic Ideas

An essay on housing can address the multifaceted issues related to housing, including affordability, homelessness, urban planning, and sustainable architecture. It can analyze the impact of housing policies on society, the role of housing in economic stability, and innovative approaches to solving housing challenges worldwide. A substantial compilation of free essay instances related to Housing you can find at PapersOwl Website. You can use our samples for inspiration to write your own essay, research paper, or just to explore a new topic for yourself.

Housing Issues in NYC

The cost of housing in New York has been a social problem for centuries due to how expensive it is to rent or own a home and how certain populations may be affected more than others, i.e. – low-income or middle-income families. This paper will discuss how this social problem has been measured, affect different populations, the history of this issue/how it has changed over time, discuss the current law and what programs may have been designed as a result […]

The Fair Housing Act

Segregation in housing can be traced back to 1890 to 1940, and the racially segregated climate of society (Rotem, 2010). The Fair Housing Act (FHA) was enacted by Congress, and added as, Title VIII of the Civil Rights Act of 1968. It addresses discrimination on the basis of race, color, national origin and religion in the purchase or rental of a home, in obtaining a mortgage in the purchase of a home, in seeking assistance with housing assistance, or in […]

Mid-century Modern Architecture Failure for the Masses

Introduction Modern Architecture was a result of a movement to explore different ways of living and viewing interior space. This was true of the Case Study Houses in particular; a project that was started in 1945 by John Entenza, the editor of Arts and Architecture Magazine and pared with the photography of Julius Shulman. The program commissioned leading architects of the time to experiment with Modern Architecture to. One of the most notable houses created by this resurgence was Case […]

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Affordable Housing Takes on Poverty

Without affordable housing there will be a continuous increase in minorities which also leads to a higher poverty rate. Poverty is the state of being extremely poor. Affordable housing helps decrease poverty in many ways than one. Affordable housing fulfills a human’s basic need for shelter as well as provides privacy for families. Those who receive affordable housing assistance and have children, benefit from better nutrition. Affordable housing would reduce poverty and should be available to those who are in […]

China’s Urban Housing Problem and Underground Housing 

China’s urban housing problem is characterized by many factors. With approximately one million citizens residing underground the countries capital. It is safe to say that China has an urban housing problem. Worldwide, Beijing is the third most expensive city to live in. Additionally, the average monthly salary of persons living in the city is less than the average monthly salary. This means a lot of persons living in the city cannot afford housing. This has led to very deplorable living […]

Combating Homelessness and Poverty in America

I'm going to be talking about why homelessness is so important to me. One thing that I always see when I head to church is a white homeless man with a veteran hat on. In Memphis, you often see a lot of veterans and people who abuse drugs, and sometimes, you can tell that they've had something traumatic happen in their lives. I couldn't compare myself to a homeless person because I've never been homeless, but from what I've heard, […]

California Housing Crisis Research Paper

California, the land that once embodied the pioneer spirit and the American dream, now embodies the American nightmare; the rich get richer while the hardworking sink deeper into the mud of fiscal disparity. Those who cannot afford life in large cities often paradoxically cannot afford a higher paying job. Celebrities and lawyers reside in hilltop mansions while the economically lower classes flounder to make a living and stay in their homes. College graduates continue to move back into their parents’, […]

The Real Cause of the Housing Crash

The real reason the housing market crashed in 2008 stems from the fact that President Clinton and his Department of Housing and Urban Development signed off on over 100 executive orders pressuring banks to qualify credit for individuals in high-risk communities, which was collectively called the Community Reinvestment Act. The CRA directly led to over 6 trillion dollars of poor and at-risk loans being distributed to people with low credit scores in 2008. The reasons this led to the housing […]

Living on Campus and Living at Home

The decision to live on or off campus can completely change the student experience you get. How do you choose which is best for you? Living on-campus and self-renting off-campus have their advantages. Think about your personal needs and requirements, and what is truly effective in your practice. There are certainly advantages to spending your student years on a university campus. On campus, you will be surrounded by other students and it will only take a few minutes to get […]

Housing Animals in Zoos is Inhumane

In the recent times, the practice of housing animals in zoos has become a major problem and a point of debate among different stakeholders, zoo advocated and animal rights advocates across the world. Everybody has a different opinion on the issue with some advocating for the act while others are against it. For instance, in the article Increasing Legal Rights for Zoo Animals, the author stated that, animal rights activists, have been arguing that, housing animals in zoos violates their […]

Student’s Living in Low-Income Housing

Abstract This paper contains a review of several pieces of literature that relate to the relationship between living in low income communities such as: public housing; housing communities for low income families; and areas in which families living in poverty reside, and the effects it has on those families’ students’ academic performance. Socioeconomic factors play a major role in children’s behavior and while poverty has been a well-known issue in the United States, the children that live in these communities […]

Pruitt-Igoe: the Rise and Fall of an Architectural Ideal

Amidst the landscape of urban planning and architectural innovation, few stories stand as prominently, or infamously, as that of Pruitt-Igoe. Originally hailed as a panacea for the housing crisis of the post-World War II era in St. Louis, Missouri, the Pruitt-Igoe housing project's eventual decline offers a poignant tale of ambition, oversight, and the multifaceted challenges of urban development. Conceived in the early 1950s, the Pruitt-Igoe complex was part of a broader movement towards modernist urban housing projects in the […]

California’s Housing Zoning Problems

In fact, there have been many attempts to use State law to address the zoning problem, but none have been successful. One such attempt is the Housing Element Law. According to California’s housing department, the law requires that “all local governments (cities and counties) adequately plan to meet the housing needs of everyone in the community” (Regional Housing Needs Allocation). This law was passed in 1969, when the housing price in California was just 30% more than the national average, […]

Improving Housing Voucher Accessibility for Transition-Aged Youth

Analysis of the Policy Housing is one of the biggest challenges that former foster youth face in their transition to adulthood. 25,000- 30,000 children age out of foster care every year which puts these youths at risk of homelessness and other problems that housing instability causes such as unemployment, stress, mental health issues, etc (Dworsky, Dion, Kleinman, & Kauff, 2017). FUP promotes housing stability for transition age youth through housing vouchers. Although housing vouchers are a great resource with strengths […]

Campus Housing

Strategic Analysis Final A mission statement is defined as the company’s business objective and its approach to reach those objectives. The mission statement the housing firm I currently work for is to provide a full range of on and off-site campus housing via roommates across the united states. Our service empowers select educational partners and their students to a better opportunity to focus on the achievement of educational goals. Through a dedicated team-oriented approach, we commit to proving students with […]

 From Housing and Dignity to Homeless and Worthless

In November 2018, a site that housed homeless women was given an eviction notice to clear the lot they had been on, causing a village of these women to become shelterless. The shelter, Housing and Dignity Village, was created on a vacant lot in the city of Oakland, California. After receiving the notice, the village then sued the city to avoid being evicted. Within the court system, the city made promises to provide new shelters to these women, but sadly […]

Homelessness in America: Causes, Effects, and Solutions

With over half a million Americans experiencing homelessness, it's a significant problem in the United States of America that can be either temporary or long-term. A person is considered homeless if he or she lacks a fixed, regular, and adequate nighttime residence. Homelessness does not discriminate. Anyone of any race, age, or background can become homeless. People become homeless or are currently homeless in various situations, but it's mainly caused by the lack of jobs, the affordable housing crisis, and […]

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Essay on Housing

Students are often asked to write an essay on Housing in their schools and colleges. And if you’re also looking for the same, we have created 100-word, 250-word, and 500-word essays on the topic.

Let’s take a look…

100 Words Essay on Housing

What is housing.

Housing is a place where people live. It can be a house, an apartment, or even a tent. It’s where we eat, sleep, and spend time with family. A good house protects us from bad weather and gives us a safe place to be.

Types of Housing

There are many types of housing. Some people live in big houses with many rooms. Others live in small apartments in tall buildings. Some people even live in mobile homes that can move from place to place. Everyone’s housing is different.

The Importance of Housing

Housing is very important. It gives us a place to rest and feel safe. It’s where we can be with our family and friends. Without good housing, people can feel stressed and unhealthy.

Housing Challenges

Sometimes, finding good housing can be hard. Houses can be too expensive for some people. Others might not have houses near their work or school. These challenges can make it hard for people to find a good place to live.

In conclusion, housing is a big part of our lives. It’s where we live and spend time with our loved ones. Everyone deserves a safe, comfortable place to call home.

250 Words Essay on Housing

Housing refers to the place where people live. It can be a house, an apartment, a hut, or even a tent. The main point is that it provides shelter, a basic human need. It protects people from bad weather like rain, snow, and heat. It also gives them a private space where they can eat, sleep, and spend time with their family.

There are many types of housing. Some people live in single-family homes, which are houses built for just one family. Others live in apartments, which are buildings with many homes inside. Some people live in mobile homes, which can be moved from place to place. There are also people who live in public housing, which is housing provided by the government for those who can’t afford to buy or rent their own home.

Importance of Housing

Housing is very important because it affects our health and well-being. Living in a safe and clean home can help us stay healthy. It can also make us feel happy and secure. On the other hand, living in a poor-quality home can lead to health problems and stress.

The Future of Housing

In the future, housing might change a lot. We might see more green homes, which are homes that use less energy and are good for the environment. We might also see more smart homes, which use technology to make life easier and more comfortable.

In conclusion, housing is a basic human need that comes in many forms. It plays a big role in our health and happiness, and it’s exciting to think about how it might change in the future.

500 Words Essay on Housing

Housing refers to the place where we live. It can be a small hut, a big mansion, an apartment, or even a mobile home. The main purpose of housing is to give us shelter and safety. It protects us from bad weather like rain, sun, and cold. It also gives us a private space where we can live our lives.

There are many types of housing. Some people live in single-family homes. These are standalone houses made for one family. Other people live in apartments. Apartments are big buildings that have many small homes inside them. Some people live in mobile homes. These homes can be moved from one place to another. There are also people who live in huts or tents. These types of homes are usually found in places where people do not have a lot of money.

Housing is very important for everyone. It gives us a sense of safety and comfort. It is the place where we can rest after a long day of work or school. It is also the place where we can spend time with our family and friends. Without housing, people would not have a place to stay and would have to live on the streets.

Problems in Housing

There are many problems that people face with housing. One big problem is that there is not enough housing for everyone. Many people do not have a home to live in. This is called homelessness. Another problem is that some people cannot afford to pay for their homes. This is called housing poverty. There are also problems with the quality of housing. Some homes are not safe or healthy to live in. This is called substandard housing.

Solutions for Housing Problems

There are many solutions for these housing problems. One solution is to build more homes. This can help solve the problem of homelessness. Another solution is to make housing more affordable. This can be done by lowering the cost of homes or by giving people money to help pay for their homes. To solve the problem of substandard housing, we can improve the quality of homes. This can be done by fixing old homes or by building new homes that are safe and healthy to live in.

In conclusion, housing is a basic need for everyone. It is important that we understand the problems with housing and find ways to solve them. This will help ensure that everyone has a safe and comfortable place to live.

That’s it! I hope the essay helped you.

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Housing Essays

by Tam Nguyen

In some countries, most people prefer to rent their homes rather than buying them. What are the advantages and disadvantages of renting a home? Purchasing a house is getting more expensive as it is a part of human needs. While some people prefer to rent their homes rather than owning them, there are some drawbacks to consider. This essay will discuss some advantages and disadvantages of renting a house. One of the best benefits of just renting a property would be, in my view, job requirements in which you occasionally need to move to a whole another city to keep working at a certain position. When it comes to looking for a place to live, renting a house for a reasonable price should definitely be considered as your company may change your department again. Another reason for not buying a house is the high prices which a huge number of individuals are not able to afford. Unless you worked and saved half of your salary for about 15 years, it is nearly impossible to buy a home. However, homeowners are not always predictable. When someone rents a house it will be inevitable to be kicked out of the house, because your homeowner decided to sell the house instead of renting it. Moreover, they might not always be comfortable, when you have some relatives or friends over. For instance, I recently rented a home, and the homeowner warned me that he would not allow me to invite my girlfriend to the house, as he thought it was inappropriate. To sum up, In my opinion, considering advantages outcome disadvantages in terms of renting a home, when left with a choice, it is a better option to not squander one's money on buying a house.

Building Homes in the Countryside Essay

by Yami (Saudi Arabia)

In many places, new homes are needed, but the only space available for building them is in the countryside. Some people believe it is more important to protect the countryside and so new homes should not be built there. What is your opinion about this? these days, with the great expansion of cities and population, many people are considering building houses in places outside cities, like the rural areas. While many people are saying it is a bad idea, I believe it is a great thing for people to do so with many merits that I will elaborate more about. first of all, constructing new houses in the countryside has a crucial benefit in regard to the financial aspects. with this said, the expansion of the population will force many individuals with low economic status to go and live in the rural areas due to the low prices of owning a home there. to give an example for this, if owning a single room in city costs around fifty thousand dollars, with the same price tag you can buy a four bedroom apartment. thus, it is a better option for those who wants to save money. going to my second point, I would like to say that it is better for individuals to build houses there to enjoy the beautiful wonders of mother nature. nowadays, many individuals tend to choose to go out and have a great time while they are enjoying the natural beauty of the countryside. Occasionally, people construct houses there just to live there temporarily during holidays and leisure time. finally, despite many people claiming that constructing new homes may cause damage the countryside environment, with strict laws and spreading awareness , one can easily manage to keep the environment clean. in conclusion, many people at present focus solely on the negative aspects of building a home in the countryside while ignoring many great benefits someone might harvest from such investment like the financial and enjoying a great view there.

Owning or Renting a Home Essay

by Khang Cao (Vietnam)

In some countries, owning a home rather than renting one is very important for people. Why might this be the case? Do you think this is a positive or negative situation? Everyone needs food to eat, water to drink and a shelter to settle in. In the past, owning a home was a symbol of wealth, success and stability. However, as the modern civilisation advancing, the mindset has changed a lot. Nowadays, there are some people thinking that having a house is no longer important as it was in the past. Generally speaking, renting a house is a rising trend these days, but why there are still people assuming that renting a house is nothing compared to having one? In many Asian countries, there has always been an invisible pressure put on men since they were born. Those can be academic achievements, success in career via various ways such as being in the top of a school, having a high-paying job or obviously, owning a private accommodation. Because of the conservative ideology, Asians usually consider a house is an indicator of prosperity and high-tier social status, not only for themselves but also for their families and children. Moreover, people usually want to claim ownership, and this is not new throughout human history. Take colonies, for example, people always desire something that they can have absolute control over it. While a rent house may not satisfy your demand because you have minimal rights to do anything you want with it. As mentioned above, renting a house has some certain disadvantages. Firstly, it is definitely not a long-term investment even though you can avoid mortgage deposit and other taxes, but you will be under the supervision of the landlord all the time. For example, you cannot renovate or redecorate your home at all without the landlord’s permission. Next, if you choose this type of housing, you may take risk of being moved multiple times due to limited vacancies or property sale from the landlord. Last but not least, since the proprietor is in charge, he or she might suddenly raise the rent, and that is a really big issue when you are in the condition of insufficient finance. Bottom line, possessing a house is better than renting one. Although you may have to be responsible for repairs, remodelling or pay land-related additional fees, it is yours and always be. No matter what happens to you, remember there is always a home awaiting you to come back. (380 words)

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Key facts about housing affordability in the U.S.

A rising share of Americans say the availability of affordable housing is a major problem in their local community. In October 2021, about half of Americans (49%) said this was a major problem where they live, up 10 percentage points from early 2018. In the same 2021 survey, 70% of Americans said young adults today have a harder time buying a home than their parents’ generation did.

A variety of factors have set the stage for the financial challenges American homeowners and renters have been facing in the housing market, including incomes that haven’t kept pace with housing cost increases and a housing construction slowdown . A surge in homebuying spurred by record low mortgage interest rates during the COVID-19 pandemic has further strained the availability of homes.

Here are some of the key measures of the housing affordability crunch in the United States and the reasons behind it.

This Pew Research Center analysis about housing affordability in America draws from Center surveys designed to understand Americans’ views and preferences for where they live. It also uses outside data from sources including the Federal Reserve Bank and the U.S. Census Bureau.

Everyone who took the Pew Research Center surveys cited is a member of the Center’s American Trends Panel (ATP), an online survey panel that is recruited through national, random sampling of residential addresses. This way nearly all U.S. adults have a chance of selection. The survey is weighted to be representative of the U.S. adult population by gender, race, ethnicity, partisan affiliation, education and other categories. Read more about the ATP’s methodology .

Rising demand for housing meets limited supply

• As home sales have boomed, active housing listings have dropped and the median home sale price has surged, according to data from the Federal Reserve. The number of active housing listings in the U.S. was at its lowest in at least five years in January 2022, with 408,922 active listings on the market. That’s a 60% drop from about 1 million listings in February 2020, just before the coronavirus recession hit the U.S. Around the same time, the national median sale price for a single-family home jumped 25% from $327,100 in the fourth quarter of 2019 (the last full quarter unaffected by the COVID-19 recession) to $408,100 in the fourth quarter of 2021, the most recent data available. The greatest increases were in the West, Midwest and Northeast. Housing vacancy rates, meanwhile, have dropped over the last decade. The vacancy rate for rental units fell from about 10% in 2010 to 5.6% at the end of 2021. The rate for homeowner units is down from about 2.6% in 2010 to 0.9% in 2021 (the most recent year with available data).
• Housing availability has been squeezed by a near-record increase in the number of American homeowners in 2020, a Pew Research Center analysis of U.S. Census Bureau data found. There were an estimated 2.1 million more homeowners in the fourth quarter of 2020 than there were a year earlier, equal to the previous record increase in homeowners, which occurred during the housing boom between 2003 and 2004. During 2020, the U.S. homeownership rate also increased to 65.8%, up from 65.1% a year earlier – a large year-over-year change, but still below the historical peak of 69.2% in 2004. The homeownership rate in the fourth quarter of 2021 (65.5%) was not statistically different from the rates in the fourth quarter of 2020 (65.8%) and the third quarter of 2021 (65.4%). Homeownership among households headed by White Americans rose an estimated 0.8 points from 2019 to 2020 – the only racial or ethnic group to see a statistically significant increase during that time. (Homeownership rates did not significantly increase for any racial or ethnic group between 2020 and 2021). In the fourth quarter of 2021, 74% of White adults owned a home, compared with 43% of Black Americans and 48% of Hispanic Americans. These disparities in homeownership have persisted over decades.

Renters are feeling the strain

• In 2020, 46% of American renters spent 30% or more of their income on housing, including 23% who spent at least 50% of their income this way, according to the most recent data available from the U.S. Census Bureau . This meets the Department of Housing and Urban Development’s definition of being “cost burdened.” Although spending 30% of income on housing has long been considered the most a household should spend in order to have money left over for essentials, some researchers have argued this housing affordability measure should be adjusted to reflect changes in the cost of other necessities, types of households and other factors.

• Renters across the U.S. have seen the average rent rise 18% over the last five years, outpacing inflation, according to consumer price index data from  the Bureau of Labor Statistics . Between 2017 and 2022, the cost of all goods and services increased by 16% due to inflation. During that span, the growth in rent prices exceeded inflation in every region but the Northeast: The average rent rose 21% in the West, 20% in the South and 18% in the Midwest. Rents were up 12% in the Northeast during that time.  From February 2020 to February 2022, rents were up 6%, compared with a 10% inflation rate amid loosening coronavirus restrictions.
• Renters tend to skew toward the lower ends of the economic scale when it comes to income and wealth , according to data from the Federal Reserve’s 2019  Survey of Consumer Finances . That year, about six-in-ten Americans in the lowest income quartile (61%) rented their homes, as did 88% of people with net worths below the 25th percentile. People with lower incomes or net worths were more likely to be renters: Only 10.5% of people in the top income quartile, for example, were renters. Younger Americans and those who are Black or Hispanic are more likely to be renters, according to an August 2021 Pew Research Center analysis of U.S. Census Bureau data. Roughly a third of U.S. households (35%) were headed by renters in 2021, the last year for which the U.S. Census Bureau has reliable estimates. Households headed by Black or African American adults are more likely than the population overall to rent their homes (57% rent), along with 52% of Hispanic- or Latino-led households. Around a quarter of households led by non-Hispanic White adults (26%) rent. Americans younger than 35 are far more likely to rent than those in older age groups: 62% of this age group lives in rentals compared with 39% of those ages 35 to 44, and 30% of 45- to 54-year-olds.
• Looking ahead, Americans anticipate continued rent increases in 2022, according to the Federal Reserve Bank of New York’s Survey of Consumer Expectations . Americans expect that rents will increase by 10% this year – that’s larger than the expected increase in price for any other commodity, including food (9.2%), college education (9.0%) and gas (8.8%).
• Economic Conditions
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Katherine Schaeffer is a research analyst at Pew Research Center .

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Essay Samples on Housing

Navigating the housing crisis: challenges and implications.

The housing crisis is a pressing issue that reverberates across the globe, impacting individuals, families, and communities. This essay delves into the complexities surrounding the housing crisis, investigating its root causes, the far-reaching consequences, and the potential strategies to alleviate the challenges and ensure access...

The UK Housing Crisis and Forms of Market-Based Housing Provision

The UK housing crisis is an intensely debated issue which has been at the forefront of many political, academic, and media debates. It can be attributed to over three decades of neoliberal housing policy, the ramifications of which are more far reaching than anyone could...

• Housing Market

Air Conditioning or Automatic Climate Control

For a long time, air conditioners were considered to be pure luxury and were therefore only found in cars of the upper class. However, as the recognition of the fact that pleasant temperatures inside the car also serve as driving safety and, last but not...

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Travel Into Social and Affordable Housing

Rapid increment and, particularly, increasing urbanization, have created shelter one among the foremost vital challenges presently facing African nation. Increasing overcrowding, declining quality of housing and access to housing services characterize a lot of of the housing stock in African nation. The housing challenges ar...

• Affordable Housing

Young Britons Living With Parents, Not Alone Over The Lack Of Affordable Homes

 More than a million young men and women in age 15 to 34 are living with their parents as per an analysis by the Think tank Civitas. In 1999, 35 percent lived with parents, and in 2017, 40 percent in the age group, 15 to...

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The Experience Of Living Alone For The First Time Or Away From Parents

In the article “Living alone is living the dream – but it can be a nightmare too” written by Ruth Spencer, she describes her experience of living alone and what “side effects” it has caused. After breaking up with her boyfriend with whom she had...

Heavy Rain as a Cause for Plumbing Issues

Although you can inspect your all parts of your plumbing to make sure they’re bulletproof, sometimes forces outside of your controls can cause a multitude of issues in your plumbing system. Believe it or not, something as innocuous as heavy rain can cause plumbing issues....

Discovery Of Abandoned Housing Project In Klang

Since 1990s’ Malaysia construction industry has been rapidly grown including such constructing commercial buildings, residences building, and also bridges. Buildings, bridges, factories, and construction site can be seen everywhere especially in hotspot urban areas; Kuala Lumpur, Selangor, Putrajaya. These constructions eventually contributes to the country...

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Online Android-Based Light And Electric Fan Controller

Introduction The innovation of modern technology is desirable in our society for developing better future. As technology cultivates, many electronic gadgets come up having different features that may satisfy the users. Mobile phone is one of the common electronic gadgets that people use as a...

• Application Software

A Background Study of Living Spaces and its Benefits

Living in small spaces is not a new observable event and is becoming more and more common as time passes by. Such a lifestyle is called “compact living”. In this kind of living style, the build space would be small but the quality of facilities...

A Door Lock Which Could Not Be Operated By Key

I had a great desire of learning home automation closely and practically. This project has assisted me to adopt techniques of home automation. Here in this academic project I have chosen to construct such a door lock which could not be operated by key. The...

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Is It Time To Downsize?

Does the walk to your front door seem to grow longer by the year? Or, do chores seem to takemore time with each passing week? If so, it might be time to downsize. As hard as it is to saygoodbye before you're ready, downsizing is...

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Real Estate Luxuriousness: Residential Projects in NIBM

Ganga Florentina is tied in with carrying on with a rich life, as the specialists deal with your ordinary needs, abandoning you with plentiful time for yourself and your family. The venture highlights sumptuous 2 bhk flats in nibm pune & 3 bhk flats in...

Best topics on Housing

1. Navigating the Housing Crisis: Challenges and Implications

2. The UK Housing Crisis and Forms of Market-Based Housing Provision

3. Air Conditioning or Automatic Climate Control

4. Travel Into Social and Affordable Housing

5. Young Britons Living With Parents, Not Alone Over The Lack Of Affordable Homes

6. The Experience Of Living Alone For The First Time Or Away From Parents

7. Heavy Rain as a Cause for Plumbing Issues

8. Discovery Of Abandoned Housing Project In Klang

9. Online Android-Based Light And Electric Fan Controller

10. A Background Study of Living Spaces and its Benefits

11. A Door Lock Which Could Not Be Operated By Key

12. Is It Time To Downsize?

13. Real Estate Luxuriousness: Residential Projects in NIBM

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Housing Essays

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The Housing Project in China: Innovation and Sustainability

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Pros and Cons of The Various Models of Housing Options for The Seniors

Modern methods of construction in uk housing, housing policy for the seniors in singapore, how cars are used in housing, the issue of housing crisis in modern america, relevant topics.

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Explainer: the financialisation of housing and what can be done about it

Senior Lecturer, Faculty of Architecture, Design and Planning, University of Sydney

Senior Research Fellow, Geography and Urban Studies, Western Sydney University

Disclosure statement

Dallas Rogers has received funding from The Henry Halloran Trust, AHURI, Urban Growth and the Community Broadcasting Association of Australia. Dallas was interviewed by the UN Special Rapporteur on the Right to Housing for the UN report on the financialisation of housing mentioned in this article.

Emma Power receives funding from the Australian Research Council, and has received funding from the former UnitingCare Ageing NSW.ACT.

University of Sydney and Western Sydney University provide funding as members of The Conversation AU.

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A recent United Nations report on the right to adequate housing identifies the financialisation of housing as an issue of global importance. It defines the financialisation of housing as:

… structural changes in housing and financial markets and global investment whereby housing is treated as a commodity, a means of accumulating wealth and often as security for financial instruments that are traded and sold on global markets.

The UN Special Rapporteur on the Right to Housing argued that treating the house as a repository for capital – rather than a place for habitation – is a human rights issue.

The financialisation of housing has been central to wealth creation in Australian households since at least the second world war. Today, it underwrites the bank of mum and dad , amateur property investors as landlords, asset-based welfare, and foreign real estate investment.

Australia’s financialised housing system

Following Prime Minister Robert Menzies’ “Forgotten People” speech , Australian governments have effectively subsidised housing investment through taxation incentives for home ownership.

Capital gains exceptions, the exclusion of the primary home from pension calculations, negative gearing, tenancy policies that favour property owners, less restrictive mortgage financing arrangements and first home owner grants are commonly cited examples.

These policies and practices underpin many of the benefits of property investment. But they also change the way Australians think about their home. Houses have shifted from being valued as a place to live and to raise a family towards being viewed also as a place to park and grow capital.

This strongly influences Australians’ decision-making about buying and selling property. It also affects how they think about and use housing equity for business, retirement, family and other purposes.

21st-century winners

Owner-occupiers and property investors benefit most from a financialised housing system.

While many Australians own investment properties, these investors tend to be amongst the wealthiest in our society, challenging the myth of the “mum and dad” investor. The Household, Income and Labour Dynamics in Australia (HILDA) Survey shows , for example, that “over 50% of owners are in the top wealth quintile, and over three-quarters are in the top two quintiles”.

Property investors also tend to have higher incomes, with 70.3% earning in the top 40% of all incomes . They can access their housing equity by buying and selling when market conditions are right. The home can also be treated like an ATM via redraw mortgages.

Linked with foreign investment policies , this system can expose local housing markets to foreign investors and shifting global capital and financial markets . This can change the investment dynamics of local property markets and rental stock.

21st-century losers

Richard Ronald recently highlighted the emergence of “ Generation Rent ”. While some young people will eventually inherit from their parents, those whose parents rent or are over-leveraged mortgage-holders are increasingly shut out of home ownership.

This suggests a growing polarisation in housing opportunity.

People earning middle and lower incomes, younger people whose parents are not home owners and women who have lost a home or never gained housing wealth are among the most disadvantaged.

Pensioners who rent face housing insecurity and difficulties making ends meet . People remain homeless despite it costing government less to provide permanent supportive housing to end homelessness than to provide services to the homeless.

People living in public, social and other “affordable housing” can be doubly disadvantaged.

First, due to their affordable housing tenure, these groups have not built any capital in their housing.

Second, some residents face eviction through large-scale public housing redevelopments by governments that view their homes as key real estate assets.

Housing experts call for action

David Madden and Peter Marcuse have shown how to definancialise a housing system . They argue that even the term “affordable housing” is a financialised way of thinking about housing provision.

They call for an increase in public and social housing, and for an end to the eviction or rehousing of public and social housing tenants. Some affordable housing advocates agree, arguing for an increase of “at least 2,000 new dwellings a year for ten years” in New South Wales alone.

More affordable housing and low-cost social rentals, which peg housing costs to income, are needed. Government and not-for-profit builders could provide such housing. This would also require “new ways to finance affordable-rental housing” .

Private rentals need to be more secure, too, so tenants have the regulatory support to treat their housing like a home. Removing no-cause eviction is an important start.

A long-term plan for overhauling the taxation system is key. This would, however, need to limit the financial risks to current home owners and investors.

A slow winding back of tax breaks for investment properties would encourage property owners and investors to move their housing wealth into other asset classes over the long term.

This would help to ameliorate the current “distorted investment pattern that disadvantages the supply of affordable rental housing”.

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Guest Essay

How to Make Room for One Million New Yorkers

By Vishaan Chakrabarti

Vishaan Chakrabarti is the founder of Practice for Architecture and Urbanism, a New York City architecture firm, and the former director of planning for Manhattan.

New York City doesn’t have enough homes. The average New Yorker now spends 34 percent of pre-tax income on rent, up from just 20 percent in 1965. There are many reasons homes in the city are so expensive, but at the root of it all, even after the pandemic, is supply and demand: Insufficient housing in our desirable city means more competition — and therefore sky-high prices — for the few new homes that trickle onto the market.

Some New Yorkers harbor fantasies that instead of building more, we can meet our housing needs through more rent control, against the advice of most economists , or by banning pieds-à-terre or by converting all vacant office towers into residential buildings, despite the expense and complexity . Given the enormity of the crisis, such measures would all be drops in the bucket, leading many to worry that if we were to actually build the hundreds of thousands of homes New Yorkers need, we would end up transforming the city into an unrecognizable forest of skyscrapers.

This resistance to change is more than just the usual grumbling from opinionated New Yorkers; it has become a significant obstacle, and it threatens to stifle the vitality of this great city. As Binyamin Appelbaum of The Times argues in his analysis of New York’s housing crisis: “New York is not a great city because of its buildings. It is a great city because it provides people with the opportunity to build better lives.”

I Want a City, Not a Museum

New York’s layers of laws to protect existing buildings has led to a shortage of housing.

By Binyamin Appelbaum

To do that, New York needs to build more housing, and it can. New York could add dwellings for well over a million people — homes most New Yorkers could afford — without substantially changing the look and feel of the city.

My architecture firm, Practice for Architecture and Urbanism, previously worked with Times Opinion to imagine the future of the city’s rail infrastructure and streets . This time, we took a fresh look at housing.

We found a way to add more than 500,000 homes — enough to house more than 1.3 million New Yorkers — without radically changing the character of the city’s neighborhoods or altering its historic districts.

Here’s how we got to 500,000 housing units — the same number that the mayor has called a “moonshot goal.”

Apartments near public transit are convenient for residents and better for the environment, so we started by looking at areas within a half-mile of train stations and ferry terminals.

Next, we excluded parts of the city that might be at risk of flooding in the future.

In the remaining areas, we identified more than 1,700 acres of underutilized land: vacant lots, single-story retail buildings, parking lots and office buildings that could be converted to apartments.

For each lot, we calculated how much housing we could add without building any higher than nearby structures.

Take this single-story grocery store in the Crown Heights neighborhood of Brooklyn.

A mid-rise apartment complex built above a replacement grocery store could create 58 new housing units. The resulting structure wouldn't be any taller than the apartment complex next to it.

We also identified sites that could support smaller developments, like this vacant lot on the northern edge of the Bronx.

Low-rise apartment buildings house many more people than single-family homes. If designed thoughtfully, they could become just as much a part of the urban fabric as the city's brownstones.

This single-story store in Flushing, Queens, is just minutes away from a subway stop on a line that runs straight to Midtown Manhattan. It’s a prime example of underutilized land.

Matching the density of surrounding buildings, a high-rise built above new retail spaces could create 242 apartments.

Last, we considered office buildings that could be converted to apartments.

Office building conversions can require a tremendous amount of construction. But we should consider any reasonable proposal to house more New Yorkers.

The hypothetical buildings in our analysis would add 520,245 homes for New Yorkers. With that many new housing units, more than a million New Yorkers would have a roof over their head that they could afford, near transit and away from flood zones, all while maintaining the look and feel of the city.

Of course, adding apartment buildings would place more demand on our subways and schools in some neighborhoods. But the construction of over 520,000 homes would stimulate our economy; add people to our sidewalks, making them safer; and make the city more accessible to middle-class families — who are essential to the long-term health and prosperity of New York.

How to add 520,245 housing units to N.Y.C.

conversions

Getting to 500,000

How many housing units our proposed buildings would add.

Office conversions

Mid-rises wouldn’t feel out of place

in many parts of the Bronx and Queens.

Almost all of the office conversions

we’re proposing are in Manhattan.

Residents of high-rises along Atlantic Avenue could easily take the subway to work.

Low-rises near the

Staten Island Railway

could house thousands

more New Yorkers.

Several political, legal and economic impediments stand in the way of addressing New York City’s housing crisis. Mayor Eric Adams and Gov. Kathy Hochul have proposed ambitious plans to build hundreds of thousands of new housing units, but they have faced stiff opposition. Our City Council and State Legislature need to support a significant expansion of housing supply for the city or otherwise answer for our housing and homelessness crisis.

There are many reasons it is so difficult to build new housing in New York City — including zoning, the under-taxation of vacant and underutilized land, the continuing rise of construction costs, the elimination of important tax incentives, and intense and often misguided anti-development sentiments. These challenges can and should be addressed. But please, don’t let people tell you we can’t build the homes New Yorkers need because we’ve run out of room or because it would ruin the city’s character. We are, in fact, a very big apple.

Methodology

We identified underutilized lots using the Department of City Planning’s PLUTO dataset. Transit stations include stops for the subway, ferry, Long Island Rail Road and Metro-North train lines. For the flood risk analysis, we used the NYC Flood Hazard Mapper’s 0.2 percent annual chance floodplain for 2100.

Contiguous lots facing the same street were merged to maximize hypothetical development potential; small and irregular lots were excluded from the analysis. Maximum building heights were determined by looking at buildings in an 800-foot radius from sites on local streets or quarter-mile radius for sites on more heavily trafficked thoroughfares, as defined by the city’s LION street database.

For low- , mid- and high-rises, we calculated the number of units in each proposed building using the following assumptions: We allocated 37 percent to 45 percent of each lot to open space, and then multiplied the remaining lot area by the number of stories allowed as determined above to calculate the amount of buildable area. Of that total buildable area, we allotted 15 percent to hallways, lobbies and mechanical spaces; we divided the remaining residential space by an average unit size of 750 square feet to determine the number of units.

To identify offices that could be converted to apartments, we created a list of larger, older offices that were built between 1950 and 1990 and have not been altered since 2003. We excluded offices that are publicly owned or have architectural or historical significance. To estimate the number of units in the proposed conversions, we allocated 40 percent of each building to hallways, lobbies and mechanical spaces.

To calculate how many people could live in the proposed housing, we used a rate of 2.56 people per housing unit, based on statistics for New York City from the U.S. Census Bureau.

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Affordable Housing Essay Examples

Affordable housing: development, problems and the future.

'Affordable housing conveys fiscal assortment, stability, and amplifies the quality of a neighborhood'. Due to the sudden onset of the COVID-19 pandemic in 2020, the core of the real estate sector of India was affected massively. However, since the final quarter of the year, the...

Chronic Homelessness: Problems with Affordable Housing

When people stay in the cycle of chronic homelessness their health and livelihood deteriorate. Therefore, the question of why people stay homeless is an important subject to look at. In Texas alone, over 25,000 individuals are experiencing homelessness on any given day. The purpose of...

Growing Affordable Housing World Crisis

According to the Wall Street Journal, the larger cities around the world, from New York to London, and Stockholm to Sydney, are making efforts to work out the growing affordable housing crisis. The data provided by Knight Frank illustrates that in the past 5 years,...

Housing Affordability: Transit Influences in the Corridor and the Waterloo Region

The intention of this report is to articulate the current housing affordability environment and how it is affected by the incoming Light Rail Transit (LRT) system or ION. The route of the LRT is further defined by an Analytical boundary to measure the properties that...

Working with Rural Communities to Build Affordable Housing

There are several diverse groups who need to co-exist in rural areas. The demand for rural housing is an issue that local councils and communities are faced with continually. Social and economic restructuring has consequentially led to rural areas being more complex places to live,...

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