Homeownership rates, housing policies, and co-residence decisions

Social Benefits of Homeownership and Stable Housing

How the Federal Housing Administration Affects Homeownership

In this paper, I attempt to determine how the Federal Housing Administration (FHA) affects homeownership. The FHA insures the full value of selected loans made by private lenders. I use changes in FHA underwriting criteria over time and the differential effects of these criteria across metropolitan areas to study the effects of the FHA on homeownership. To do this, I simulate the difference in ...

Residence Status and Housing in Urban China

Ce document est un fac-similé de l'édition imprimée. Espace Populations Sociétés est mis à disposition selon les termes de la licence Creative Commons Attribution-Pas d'Utilisation Commerciale-Pas de Modification 4.0 International. Residence Status and Housing in Urban China – the Case of Beijing Housing is one of the key resources separating the haves from the have-nots in urban China. As rece...

Housing Policy and the Social Benefits of Homeownership

Ed Coulson is an associate professor of economics at Pennsylvania State University. When he wrote this article, he was a visiting scholar in the Research Department of the Philadelphia Fed. he major subsidies to homeownership arise from the U.S. tax code, and the costs of these subsidies are high. Are the social benefits from homeownership sufficient to warrant such subsidies? In this article, ...

How sensitive are homeownership decisions to tax subsidies? The role of housing supply conditions and lending standards

In this paper we examine the impact of the combined state and federal mortgage interest tax subsidies to homeownership on homeownership attainment, using panel data from 1984 to 2007 and exploiting the fact that the value of these subsidies may vary by income group across states and over time and depending on local housing market conditions and lending standards. We also exploit the fact that h...