NHC has put together a report that recaps discussions on: Shaping the Future of Housing Finance Reform, Passing the Neighborhood Homes Investment Act, Closing the Black Homeownership Gap, and more from our Solutions for Affordable Housing 2019 convening.
The last remaining piece of reform after the financial crisis and Great Recession is how to structure the secondary mortgage market, including the role of Fannie Mae and Freddie Mac. While there is broad agreement that reform of these government sponsored enterprises (GSEs) is necessary to ensure a strong and stable housing economy, there continue to be fundamental disagreements on a range of key issues.
This paper details key objectives any reform or restructuring of the secondary mortgage market system must focus on. Over the past year, NHC convened a broad range of experts on housing finance to inform this paper.
The annual Paycheck to Paycheck report from the National Housing Conference (NHC) examines workers’ ability to a?ord housing in metro areas across the United States. NHC partnered with Housing Colorado to focus on the unique housing affordability challenges in Colorado. This report compares median housing costs and median income data in six metro areas — Denver, Boulder, Greeley, Fort Collins, Pueblo and Colorado Springs — for five key community occupations: childcare worker, firefighter, dental assistant, plumber and bank teller.
The report, which focuses on the affordability challenges faced by carpenters; electricians; heating, ventilation, and air conditioning (HVAC) mechanics; maintenance workers and plumbers
The report, which focuses on the affordability challenges faced by healthcare workers, highlights five fast growing healthcare occupations: dental assistant, emergency medical technician, home health aide, licensed practical nurse and physical therapy aide.
This research note expands on the Paycheck to Paycheck 2016 analysis and explores the context in which these salaries are being earned by examining household spending on a variety of items. Households must balance their spending on housing with their spending on other key household needs, such as transportation and healthcare. The lowest income households face the greatest challenges in balancing these competing needs.
The 2016 edition of “Paycheck to Paycheck” focuses on the affordability challenges faced by both teachers and non-instructional school workers by highlighting five of the 81 occupations in the Paycheck to Paycheck database: bus driver, child care teacher, groundskeeper, social worker and high school teacher.
In partnership with Housing Colorado, NHC prepared a brief based on data from “Paycheck to Paycheck” that focuses on the particular housing affordability challenges in the state of Colorado.
Housing Landscape summarizes the severe housing costburdens of low- and moderate-income working households. These householdsinclude full- and part-time workers who play important rolesin the economy, and they face greater affordability challengesthan the overall U.S. population. In 2014, 20.9 percent of all working households were severely housing cost burdened (9.6 million households). More than one in four working renters and 16 percent of working homeowners paid more than half oftheir income for housing costs in 2014.
The 2015 installment of Paycheck to Paycheck from the Center for Housing Policy at the National Housing Conference explores ways in which millennials are different from common perceptions and looks at workers in five occupations filled by many millennials workers and the housing affordability challenges they face. This supplemental research note examines the various other household necessities that makes the housing cost burden more evident for working households.