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Dr. Herbert was honored to testify in a Senate Banking, Housing, and Urban Affairs hearing, "The State of Housing 2023." In his testimony, he highlighted the nation’s…

Scholars conducting empirical research on U.S. suburbs must develop their own definition of suburbia. In this paper, we operationalize three suburban definitions commonly…

Decreasing federal resources since the 1980s, policy devolution to the local level, and expansion of market-based approaches for affordable housing delivery have resulted in…

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…

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…

Recent research suggests that foreclosures have negative effects on homeowners and neighborhoods. We examine the association between concentrated foreclosure activity and the…

NOTE: Since the publication of this report, JCHS Household Growth Projections have been updated with new projections that supersede those found in the paper below.…

There are many causes to the collapse of the housing market and the recent financial turmoil, but the contribution of the CRA appears marginal. While banks did engage in…

For decades, real estate and housing professionals have thought of the typical home buyer as a married couple, with or without children, either purchasing their first home or…

The dream of equal, fair, and expanded access to credit in low-income communities was never more within the nation’s grasp. Three decades ago credit for home mortgages and…