7,500,000 Affordable Apartments Just Vanished And Nobody Noticed
John LainePublished on: 07/03/2026
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Affordable Housing
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John Laine
Home Prices Are Growing 3X Faster Than Incomes - The Math That Broke America
John LainePublished on: 05/03/2026
When homes cost 5.7x annual income rather than 3x, homeownership doesn't just get harder. It becomes mathematically impossible for most Americans.
Affordable Housing
The Renter Trap
John LainePublished on: 24/02/2026
7.5 million affordable rentals gone. Prices requiring $100K+ incomes. The American renter is caught in a wealth-destruction cycle with no exit.
Affordable Housing
The Trillion-Dollar Arbitrage - Why Distressed Affordable Housing is the Best Investment of the Decade
John LainePublished on: 17/02/2026
Properties trading at $40K/door in markets where new construction costs $200K/door. This isn't a deal. It's a structural mispricing that won't last.
Affordable Housing
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NLIHC Releases The Gap 2025: A Shortage of Affordable Homes
Washington, D.C. – The National Low Income Housing Coalition (NLIHC) released today its annual report, The Gap: A Shortage of Affordable Homes. The Gap report details the severe shortage of affordable rental homes available to families and individuals with different income levels nationwide and in every state and major metropolitan area. This year’s report finds that the lowest-income renters in the U.S. face a shortage of 7.1 million affordable and available rental homes with only 35 affordable and available homes for every 100 extremely low-income renter households. As a result of this shortage, three-quarters of renters with extremely low incomes are severely cost-burdened, spending more than half of their income on rent.
New Report Highlights Unease in the Housing Market Amid a Worsening Affordability Crisis
CAMBRIDGE, MA – This year, the US housing market is shrouded in uncertainty, with little indication that record-high levels of unaffordability will ease anytime soon. High home prices and interest rates have pushed sales to their lowest level in 30 years, according to The State of the Nation’s Housing 2025, a new report out today from the Harvard Joint Center for Housing Studies. Insurance premiums and property taxes are on the rise; high rents have left record numbers with cost burdens and contributed to a sharp rise in homelessness; and devastating wildfires have highlighted the growing dangers of climate disasters.
First-Time Home Buyer Share Falls to Historic Low of 21%, Median Age Rises to 40
WASHINGTON (November 4, 2025) – The share of first-time home buyers dropped to a record low of 21%, while the typical age of first-time buyers climbed to an all-time high of 40 years, according to the National Association of REALTORS®' 2025 Profile of Home Buyers and Sellers. This annual survey of recent home buyers and sellers covers transactions between July 2024 and June 2025 and offers industry professionals, consumers, and policymakers detailed insights into homebuying and selling behavior.