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Category Archives: Housing

A Report Card on Child Homelessness

America’s Youngest Outcasts – A Report Card on Child Homelessness, American Institute of Research, November 2014: “America’s Youngest Outcasts reports on child homelessness in the United States based on the most recent federal data that comprehensively counts homeless children, using more than 30 variables from over a dozen established data sets. A staggering 2.5 million children are now homeless each year in America. This historic high represents one in every 30 children in the United States. Child homelessness increased in 31 states and the District of Columbia from 2012 to 2013. Children are homeless in every city, county, and state—every part of our country. Based on a calculation using the most recent U.S. Department of Education’s count of homeless children in U.S. public schools and on 2013 U.S. Census data:

• 2,483,539 children experienced homelessness in the U.S. in 2013.
• This represents one in every 30 children in the U.S. From 2012 to 2013, the number of children experiencing homelessness annually in the U.S.:
• Increased by 8% nationally.
• Increased in 31 states and the District of Columbia.
• Increased by 10% or more in 13 states and the District of Columbia”

Are You Looking to Buy a Home?

“Buying a home is one of the most exciting yet one of the most difficult financial decisions you will make. Understanding the costs of real estate settlement services, defining what affordable means to you, and finding the best mortgage are among the many aspects you’ll need to consider. This new toolkit (PDF) from the Consumer Financial Protection Bureau (CFPB), offers aContinue Reading

Federal Reserve Board Beige Book – April 15, 2015

Summary of Commentary on Current Economic Conditions by Federal Reserve District: “Reports from the twelve Federal Reserve Districts indicate that the economy continued to expand across most regions from mid-February through the end of March. Activity in the Richmond, Chicago, Minneapolis, Dallas, and San Francisco Districts grew at a moderate pace, while New York, Philadelphia,Continue Reading

The Impact of Tight Credit Standards on 2009-13 Lending

Urban Institute – The Impact of Tight Credit Standards on 2009-13 Lending. Laurie Goodman, Jun Zhu, Taz George. April 2015. “Tight credit standards curbed mortgage lending activity from 2009 to 2013. Based on our estimates, if the cautious standards of 2001 had been in place rather than the more severe standards that were in place over theseContinue Reading

Yahoo Mortgage Calculator

“The loan amount, the interest rate, and the term of the mortgage can have a dramatic effect on the total amount you will eventually pay for the property. Further, mortgage payments typically will include monthly allocations of property taxes, hazard insurance, and (if applicable) private mortgage insurance (PMI). Use our mortgage calculator to see theContinue Reading

Brookings report on highest household incomes in 50 largest US cities

Alan Berube and Natalie Holmes – Some cities are still more unequal than others—an update [See also City Inequality 2013 Appendix] “More than five years after the end of the Great Recession, and three years since the Occupy movement took on Wall Street, high and growing levels of income inequality continue to animate debates onContinue Reading

Destabilizing Property

“Rosser, Ezra, Destabilizing Property (March 1, 2015). Connecticut Law Review, Forthcoming; American University, WCL Research Paper No. 2015-1. Available for download at SSRN: http://ssrn.com/abstract=2581710 “Property theory has entered into uncertain times. Conservative and progressive scholars are fiercely contesting everything it seems, from what is at the core of property to what obligations owners owe society.Continue Reading

Geographical Mobility: 2013 to 2014

“About 1 in 9 People Changed Residences Between 2013 and 2014 – For the past several years, the mover rate has remained between 11.5 and 12.5 percent, according to new 2014 statistics released today from the U.S. Census Bureau. The mover rate between 2013 and 2014 was 11.5 percent or 35.7 million people age 1Continue Reading

The salary you must earn to buy a home in 27 metros

“How much salary do you need to earn in order to afford the principal, interest, taxes and insurance payments on a median-priced home in your metro area? To find out, HSH.com took the National Association of Realtors’ fourth-quarter data for median-home prices and HSH.com’s fourth-quarter average interest rate for 30-year, fixed-rate mortgages to determine howContinue Reading

The Road Towards the Establishment of the European Banking Union

Papanikolaou, Nikolaos I., The Road Towards the Establishment of the European Banking Union (February 28, 2015). Munich Personal RePEc Archive Paper No. 62463. Available for download at SSRN: http://ssrn.com/abstract=2573320 “The rising delinquencies in the U.S. subprime mortgage market in 2006 and the succeeding collapse in housing prices had a considerably negative impact on the functioningContinue Reading

How Mortgage Finance Affects the Urban Landscape

Federal Reserve Bank of New York Staff Report – How Mortgage Finance Affects the Urban Landscape. February 2015. Number 713. Sewin Chan, Andrew Haughwout, and Joseph Tracy. “This chapter considers the structure of mortgage finance in the U.S., and its role in shaping patterns of homeownership, the nature of the housing stock, and the organization of residential activity.Continue Reading

First in Freedom Index

John Locke Foundation Report – “Overall, North Carolina ranks 23rd in the nation and 5th among the 12 states of the Southeast. Florida holds the #1 slot on the FFI, followed by Arizona, Indiana, South Dakota, and Georgia. The least-free state is New York, which is joined in the bottom five by New Jersey, California,Continue Reading