Home Ownership

Ownership

Issues and events related to affordable owning, ranging from ownership from those most in need through ownership by financially secure individuals and families facing prohibitively high housing market prices

How UK Housing Assistance Creates Ugly, Dodgy Investments

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A recent article in The Guardian forms a basis for our headline. That article connects financial incentives for first time buyers to a plague of ugly, shoddy new build multi-unit...

So You Think It’s Tough To Rent In Your City? What About . . . ?

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As cities cores become higher, denser, and more gentrified, the American dream is changing shape. What was once the lure of a single family home on a private lot...

Looking For Affordability? Try Success. Go North, Young Dreamer

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Affordable can homes be realized from lower prices, but also higher income. Advice to young Americans once counselled to 'Go West" to make their fortune? These days, you might be better off going north.

Low Density City Neighbourhoods Fingered as World Economic Nightmares

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From a worldview of a gang of teenagers trying to break a record for the number who will fit into a car (and haven't noticed they're parked too close...

Co-Ownership: Pride Cometh Before The Fall

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Apologies for the doom-laden headline, but there's seldom a chance to use a pithy poetic-sounding phrase, particularly one that containeth that sophisticated 'eth' sound. After all, a sleazy single...

Tenancy In Common: Why is It Affordable, And Some Might Say, Detestable?

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Tenancy In Common? Well, first we need to make liars out of ourselves by admitting that it's not really affordable, at least not so far as affordablehousingaction.org is concerned....

Housing Has Always Been A Commodity, So What’s The Big New Deal?

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Currently there's a great deal of hand-wringing about the 'commodification' of housing, in particular its link to exploding housing prices and to blossoming housing crises everywhere. Some go so...

Repairs R Us: Habitat For Humanity Diversifies Onward

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In the free markets of today's democracies, housing is an investment, not a human right. To build housing in this commodified environment is to pursue profit, not to reaffirm...

‘The Soo’ City Councillor Hammers Home Affordable Refurbishing Scheme.

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Can't get elected as a city councillor in The Soo?The Soo is the nickname of Sault (pronounced 'Soo') Ste. Marie in the province of Ontario If you're a carpenter...

Habitat For Humanity Breaks New Trail In Kamloops British Columbia

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Habitat for Humanity, arguably one of the most respected and successful affordable house building charities in the world, is undergoing a sea change. Even with its ability to mobilize construction...

How Affordable Housing Might Add Substance To Talk of Segregation Reparations

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Democratic candidates for the U.S. federal elections in 2020 have broached the subject of reparations for the continued mistreatment of black Americans that followed emancipation. So far, while there...

Inter-Governmental Wrangling: A True Menace To Affordable Housing?

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From the Right: eliminate onerous government regulations and the free market will build us all out of affordable housing crises, providing the necessary housing for ownership by the 'workforce,'...

Housing Literally Under Water Might Burst A Housing Bubble, Trigger Recession

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The housing market collapsed in 2008 and caused an economic recession in the United States, which spread to other countries. It was triggered when new homeowners found themselves 'under...

Three Takes On California’s Housing Crisis: Part 3

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Part three looks at some of the unexpected consequences of an American Fever-Dream — home ownership, but not just any home: bigger, more unique, prestigious and. . . for reasonably well off citizens . . . affordable.

Hoping To Find Housing Rental or Purchase Relief In The ‘Hood?’ Think Again

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Is that fixer-upper in a depressed city area your only hope for climbing onto the housing ladder? A recent New York Times article explores the stacked deck that faces...

Affordable Housing Crisis Spin-Doctors Deliver A Faulty Prescription

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Let's take the following media declaration at face value: "4 Out Of 5 Americans say there is a housing affordability crisis." Based on a sample of 20,000 people that's...

Baby Boomers – How Do They Fare In the Housing Market?

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A recent edition of the Canada Mortgage and Housing Corporation's (CMHC) Housing Market Insight looks at housing trends among baby boomers in the Greater Toronto area. Baby boomers are...

Housing For Young Aussies: Buy A Home? Bad Choice. Rent? Worse.

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Without a parents' basement to inhabit while saving for a house down-payment, millennial Aussies entering the housing market are facing a bleak future. Rising rents are taking such a...

‘Schoolboy Economics’ Wrongly Validate A Housing Non-Crisis In The UK

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We've seen several articles recently that address a conspiracy-theory notion of an affordable housing 'crisis'. Note in the previous sentence how the quote marks around affordable housing 'crisis' tend...

New Zealand Employee Affordable Housing Supplied By An Unusual Company Town

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Company towns have a special relationship with their citizens. They are usually, though not always, born out of necessity: their remote location. Why create a town in the middle of...

UK Looks To Adopt Home Ownership Plan Based On What You Can Afford

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Swedish construction company Skanska, in partnership with well-known furniture retailer Ikea wants to build affordable housing in Worthing, Sussex, UK. 30% of the BloKlok partnership's modular housing project will be set...

Young Professionals Failing To Bite On Topeka Housing Ownership Lure

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Over-the-hill American heartland cities are currently licking their lips at the prospect of the reverse migration of talented young professionals from increasingly unaffordable coastal boom towns such as San...

Hey Buddy, Got A Dime For An American Dream? Panhandling For A House

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Panhanding on street corners for coffee (or beer)? Not okay! Panhandling for a step up onto the housing ladder, particularly if the handout is enormous? Now you're talking! A National Association...

Bad News For ‘American Dream’ Buyers. Your Home Ownership Strategy May Suck, Big Time.

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The American Dream (which was once something elseThere’s a Wikipedia post about the American Dream from a range of perspectives.) has for a while time now been to 'own...

Who Buys Houses From Aging Boomers? Not Skint Millennials, That’s For Sure

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The housing market, most unfortunately, is absolutely everywhere. As well, it's absolutely stuck in its everywhere place. (With rare exceptions, nobody buys a house — should they be able...

NIMBYite Baby Boomers Go Out With A Bang, Not A Whimper

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"Affordable Housing? How quaint. Of course. Only take it somewhere else. Otherwise I personally guarantee to shove your XXXX up your YYYY until you bleed buckets and scream for...

Should ‘Sacrosanct’ Middle Class Bleed Affordable Housing Dollars From Truly Needy

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In North America, there is a growing pressure at all levels of government to find subsidy dollars for housing the middle class. That's the 'sacrosanct' middle class, according to...

For Whom the Bell Tolls: Dare We Say For Revered Habitat For Humanity?

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Habitat For Humanity is universally admired — a wildly successful hands-on religion which combines charity and sweat equity in its clarion call to service. Over the years, volunteers have...

Rent-To-Own And Housing Affordability: Just Who Profits?

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Depending on the city you live in, affordable rental housing can be difficult to find, let alone 'rent to own' housing. However, any housing wrinkle may be worth a...

Developers Discover ‘Missing Middle’ Housing Possible Without Subsidies

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Thanks to housing industry lobbying, the affordable housing crisis that requires government subsidies has expanded upscale from traditional definitions of affordability. The gravy train of subsidies everywhere encompasses 'missing middle'...

Reflected In The Shiny Mirror Of Capitalism, Third World Poor See Themselves Without A Roof Overhead

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If capitalism is ever to successfully embrace and uplift the third world poor, it will have to reinvent its understanding of land ownership and human shelter in a slow...

Affordable Housing Details You Might Not Have Considered: Finding Two Houses Instead Of One

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Affordable housing is not just a collection of construction material and land costs. It's a purse that must stretch to cover a rental or purchase . . . after...

Need Affordable Housing On A Tight Budget? Here Are 3 Things The Free Market Can Do For you

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Eager to climb onto the first rung of the 'housing ladder'? Not convinced by the snarky attitude of blogs like affordablehousingaction.org, that spend column inches eye-rolling at the sanity...

Say It Ain’t So! Missing Middle Gobbles Up Habitat for Humanity Homes

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Habitat For Humanity, the affordable housing fundraiser par excellence, the folks who perfected volunteer sweat equity, have thrown up their hands in California and cried 'uncle.' The bottom line: in...

Hardship Post San Mateo CA, Considers Compulsory City Gambling To Woo Employees

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Compulsory city gambling??? But how else do you describe taking general city revenue to run lotteries with housing loans as the prizes? The saddest thing about this proposal is...

In The Middle Of Biblical Unaffordability Flood, New Zealand Builds Arks For Better-Off People

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A recent BBC article comes to grips with the confusion over affordable housing definitions that currently grips New Zealand. Following the country's recent change of national government, social housing plans...

Pipedream Or Prescription? How Maine Government Might Loan Its Way Out Of Affordable Housing Crisis

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With affordable homes at the mercy of the housing market, the basic human need for shelter is pitted against retirement savings and family wealth. The problem exists in Maine,...

The Lightbulbs Go On In New Zealand: Oh . . . You Mean THAT Kind Of Affordable Housing

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'Affordable' housing? Just what does it actually mean? Current confusion over the term 'affordable housing has been deliberately fomented by some of the major players in the homebuilding sector,...

New U.S. Governments-Targeted Affordable Housing Handbook Promotes More Of The Same

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There's now a sponsored publication from Governing Magazine, which offers news, ideas, and solutions to U.S. governments at all levels. Produced with assistance from Wells-Fargo,  the publication represents itself a handbook...

While Home Ownership Guts Social Housing in the UK, Australia Tests A Hopeful New Ownership Model

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In some western democracies the social housing experiment has been hampered by cold war attitudes, particularly in America. The national mindset: anything smacking in some way of big government...

Toronto: Big City Navel-Gazing Distracts From Affordable Housing Reality

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If you live in or around Toronto, the classic signs of a vibrant, expanding downtown core are everywhere: the condo tower boom with its thicket of cranes rising high...

The ‘Working Poor’ Who Can’t Afford Housing? Folks You Wouldn’t Expect

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A Trulia Research Special Report recently updated an earlier exploration of professions which were struggling with affordable housing issues. For many it's a difficult choice: either impoverished by housing and living...

The Housing Ladder: Housing Prices + Down Payment + Student Debt = You Can’t Get There From Here

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Across the ocean or close to home the dilemma is the same: unaffordable housing is killing the chance of young people ever making it to the first rung of...

American Exceptionalism Lives Proudly On, Building Habitat For Humanity Affordable Housing

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Some pretty darned exceptional Americans have donated sweat equity to help form no less than thirty-four little communities of good spirit and good work in the company of other...

Limited-Equity Cooperative: What Is It? How Can It Help Finance Affordable Housing?

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What is a Housing Cooperative? It's a communal form of home ownership that allows cooperative members to buy an ownership share in a residential building. Those shares are bought at...

India->Trade Unions->Housing Co-ops->Thousands of Affordable Houses. Could It Happen Elsewhere?

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India is the world's second most populous country and it is rapidly developing. Luxury houses are no longer just the palaces of a backward feudal state. Modern sub-developments and...

Young, And Want To Climb Aboard The Housing Ladder? How Long Before You Reach The First Rung?

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You know those big multi-storey fire escapes on old buildings? The ones where the last ladder has to be lowered to the ground from above? If you're young and planning...

Stubborn Persistence Wins Support For Self-Help Housing In California

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When finished, 41 households in Patterson, California, will move into affordable homes that they will help to build. Self-Help Enterprises is the sponsor of the project. The US Department...

Risky Lending Practices In India: Deja Vu All Over Again?

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Recent house financing developments in India make a case for looking beyond a country's borders when looking for best practices for financing and constructing affordable housing. Risky lending practices, buying,...

‘Manufactured’ Homes: Inexpensive False Hope For Affordable Home Ownership?

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With the prefabricated housing offering affordable housing possibilities worldwide, it's hardly surprising that 'mobile home parks', 'caravan parks', 'trailer parks' and similar solutions are being repackaged as 'manufactured home...

The Affordable Housing Blues . . . or Cheap Housing: Crabgrass On The Manicured Lawn Of Human Desire

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Don't gimme shelter. Gimme neighborhood slow-taxiing housing values finally lifting off the runway into the free market stratosphere, dragging my house along with with them. I'm stuck in a down-market,...

When The Affordable Housing Tipping Point is Reached, What Next? Does the City Die?

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Apologies for yet another California story. But since the state is ground zero for both affordable Housing and for homelessness, things may well happen here before anywhere else. On to...

‘Naturally-Occurring’ No-Subsidy Affordable Housing. Too Bad It’s Dying!

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In North America, it's a natural pastime to kick around trailer parks. Now playing on Netflix: 'Trailer Park Boys' — a festival of bumbling, lamebrain mishap-prone wanna-be criminals milking...

Bristol, UK: Building Less Affordable Housing In Order To Build More

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A contradictory headline describes the dilemma of the City Council in Bristol, which is trying to move quickly to provide affordable housing for their community. The need may be...

Weep, Affordable Housing Activists! Here’s A Practical Benefit To House Flipping

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The free market buying and selling of housing for profit (flipping) is the single greatest cause of today's affordable housing crisis world wide. Mom and pop flipping is bad...

Brandon, Manitoba Affordable Housing: Goldilocks And The Three Bylaws

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The housing in the first bylaw was too large. The housing in the second bylaw was too small. But the housing in the third bylaw was just right. Goldilocks...

Affordable Housing: Human Right? Human Desire? Or Somewhere In Between, Lost In translation?

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Not long ago, there was a growing crisis of housing affordability. To pay more than 30% of your salary for rent was to expose you and your family to...

Yearn To Move To A City With Affordable Houses? Chase That Dream Quickly. It’s Disappearing.

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Over time, different countries have evolved their own famous pockets of unaffordable housing. In America, San Francisco. In Australia, Sydney. In Canada, Vancouver. In the United Kingdom, London. As time...

Manufactured Homes: Affordable Housing? Or A Dodge To Avoid New Construction?

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Mobile home parks, a.k.a trailer parks, a.k.a manufactured home parks: call them what you will, over time they've attracted a reputation based on their failings, while their successes have...

Manufactured Home Communities: Take Out The Trash And Rethink The Affordability

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$70,000 home ownership? It's still possible in 'Manufactured Home Communities'.  That phrase captures solid industrial strength paired with cozy neighbourhoods. Apparently, some 37,000 such communities around America enjoy this kind...

Miracles of Modern Affordable Development: 2 buyers + 1 home = 2x cheaper!

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Corporate developers (are there any other kind?) pledge allegiance to shareholders, not fellow citizens. They are compelled to maximize profits and minimize losses. If involved in a public/private partnership...

Builder Mag Dishes On Who’s Who Affordability-Wise

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From Builder, a magazine catering to the building industry, a recent article purports to provide THE REAL DATA ON ENTRY-LEVEL HOME BUYING AFFORDABILITY  (link below). For affordable housing advocates, one might...

Dollars To Help Affordable Housing Buyers: Does It Quell The Flames, Or Pour Gas On The Fire?

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Financial assistance for home buyers can come in several forms. On the surface, government cash handouts or tax relief strongly appear to make housing more affordable. But those with...

British PM On Unaffordable Housing: Land Bankers To Blame

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In a recent speech committing to more British affordable housing, Prime Minister Theresa May was quick to find culprits everywhere, but not so much on her own doorstep. The...

Suburbia: Unaffordable Downtown Housing Eats At The Heart Of The American Dream

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We are bringing up (and often helicoptering) children in an age of smart-phones, X-boxes play-dates and supervised after school care. Letting a child walk alone five blocks to school...

Social Housing In Britain: History

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A nice little easy-read history of Social Housing in Britain from the BBC: A history of social housing
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