Home Ownership The Ownership Ladder

The Ownership Ladder

Issues and stories related to climbing aboard the housing ladder

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

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.

Co-Ownership: Pride Cometh Before The Fall

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?

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....

Repairs R Us: Habitat For Humanity Diversifies Onward

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.

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

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

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?

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,'...

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

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...

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

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...

New Zealand Employee Affordable Housing Supplied By An Unusual Company Town

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

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...

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

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...

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

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...

Developers Discover ‘Missing Middle’ Housing Possible Without Subsidies

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'...

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

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

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

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...

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

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

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,...

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

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

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...

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

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

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

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?

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?

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?

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

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...

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

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...

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

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...

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

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?

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...

Builder Mag Dishes On Who’s Who Affordability-Wise

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...
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