Housing Policy in the United States Fourth Editio - Original PDF
نویسندگان: Alex F. Schwartz
خلاصه: 1 Introduction In its preamble to the 1949 Housing Act, Congress declared its goal of “a decent home in a suit- able living environment for every American family.” In the more than 60 years since this legisla- tion was passed, the federal government has helped fund the construction and rehabilitation of more than 5 million housing units for low-income households and provided rental vouchers to nearly 2 million additional families. Yet, the nation’s housing problems remain acute. In 2017, 44.7 million households lived in physically deficient housing, spent 30 percent or more of their income on housing, or were homeless (U.S. Census Bureau 2018; U.S. Department of Housing and Urban Development 2018). Put differently, about 113 million Americans—around 35 per- cent of the nation’s population and more than triple the 28.5 million lacking health insurance in 2017 (Berchick, Hood, & Barnett 2018)—confronted serious housing problems or had no housing at all.1 This book tells the story of how the United States has tried to address the nation’s housing problems. It looks at the primary policies and programs designed to make decent and affordable housing available to Americans of modest means. It examines the strengths and weaknesses of these policies and programs and the challenges that still remain. The book takes a broad view of housing policy, focusing not only on specific housing subsidy programs, such as public housing, but also on the federal income tax code and regulations affecting mortgage lending, land use decisions, real estate transactions, and other activities integral to the housing market. Some of these broader aspects of housing policy provide financial incentives for investments in affordable housing, others attempt to make housing available to low-income and minority households and communities by penalizing discriminatory practices and through other regulatory interventions. Put simply, then, this book is about policies and programs designed to help low-income and other disadvantaged individuals and households access decent and affordable housing. It examines programs and policies that subsidize housing for low-income households or that attempt to break down institutional barriers, such as discriminatory practices in the real estate industry that impede access to housing. The book is intended to be a general overview of housing policy. It is beyond its scope to delve deeply into programmatic details or to cover all aspects of the field in equal depth. The focus is on federal and, to a lesser degree, state and local programs and policies that subsidize housing for low-income households or otherwise attempt to make housing accessible to this population. Much less attention is given to policies concerned with the physical aspects of housing, such as design standards and building regulations—except when they are explicitly employed to promote affordable housing. The book does not examine in detail the operation of housing markets or pro- vide a comprehensive legislative history of housing policy.