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There is a growing recognition that zoning reform alone won’t solve the housing crisis. It can certainly create an onramp for more, and better, housing construction but it’s…

This paper compares actual wealth building outcomes in the Massachusetts Housing Partnership’s (MHP) subsidized ONE Mortgage Program to hypothetical outcomes for a borrower…

What is the effect of mortgage debt reductions that reduce payments in the long-term but not in the short-term? In a new paper using data from a recent government…

This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…

W13-7: What is the incidence of housing vouchers? In a frictionless, price-taking equilibrium, increased generosity of a narrowly-targeted subsidy causes increases in…