The share of older households with debt secured by their primary residence more than doubled between 1995 and 2016. This study uses the Survey of Consumer Finances (SCF) to…
Kristin Perkins, Shannon Rieger, Jonathan Spader, Chris Herbert
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October 21, 2019
Previous studies of the financial constraints for homeownership attainment have found that cash grants to cover down payment and closing costs can fairly substantially…
Elizabeth La Jeunesse, Alexander Hermann, Daniel McCue, Jonathan Spader
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September 17, 2019
Housing affordability has been a growing concern across the US over the past three decades. Indeed, between 1990 and 2017, the number of units renting for under $600…
Following the rise and fall in the U.S. homeownership rate over the past two decades, considerable uncertainty exists about its future trajectory. This paper presents our…
With interest rates ticking upward in 2018 and the prospect of further rate increases to come, the era of historically-low mortgage rates may be ending. While many homeowners…
Jonathan Spader, Shannon Rieger, Jennifer Molinsky
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November 16, 2017
This framing paper was originally presented at A Shared Future: Fostering Communities of Inclusion in an Era of Inequality, a national symposium hosted by the Harvard…
Jonathan Spader, Shannon Rieger
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September 19, 2017
Residential segregation by race and ethnicity is a longstanding challenge in the United States, with the racial and economic geography of communities throughout the nation…
Jonathan Spader, Daniel McCue, Chris Herbert
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December 12, 2016
Following the rise and fall in the homeownership rate over the past two decades, considerable uncertainty exists about the future trajectory of the homeownership rate. This…