This invited commentary for the 2022 Harvard Joint Center for Housing Studies symposium focuses on the need for better data about zoning. It offers insights into the state of…
Michael Barr, Sendhil Mullainathan, Eldar Shafir
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April 1, 2008
UCC08-12: Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s…
RR07-2: Where the poor live and why has an enormous impact on access to jobs, decent quality schools, and other local attributes that affect a family’s ability to rise…
Michael Sherraden, Michael Barr
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February 15, 2004
BABC 04-15: Low- and moderate-income households save for routine payments, such as rent, as well as for major purchases, such as a washing machine or a car. Saving also…
Using data from the 1998 Survey of Consumer Finances (SCF), this paper estimates homeownership rates that would prevail in the United States if borrowing constraints were…