Housing Policy Debate最新文献_第6页

Shelter From the Storm: State Eviction Moratoria, Implementation Context, and Eviction Filings During the First Two Years of the COVID-19 Pandemic 躲避风暴：新冠肺炎大流行前两年的州驱逐禁令、实施背景和驱逐记录

IF 2.9 3区经济学

Housing Policy Debate Pub Date : 2023-06-15 DOI: 10.1080/10511482.2023.2218840

Vincent Fusaro, R. Coley, Naoka Carey

{"title":"Shelter From the Storm: State Eviction Moratoria, Implementation Context, and Eviction Filings During the First Two Years of the COVID-19 Pandemic","authors":"Vincent Fusaro, R. Coley, Naoka Carey","doi":"10.1080/10511482.2023.2218840","DOIUrl":"https://doi.org/10.1080/10511482.2023.2218840","url":null,"abstract":"Abstract Forty-four state governments enacted eviction moratoria freezing or tempering the eviction process during the COVID-19 pandemic in an effort to forestall evictions. Combining data on state and federal eviction policies with data on eviction filings at the census tract level in 27 municipal areas from very late December 2019 through March 2022, we estimated correlated random effects Poisson models to examine effects of the moratoria. We found that state eviction moratoria were associated with a 32% lower rate of filings for a given tract, with moratoria targeting earlier stages of the eviction process having a particularly pronounced effect. We further found that state and federal moratoria were synergistic: eviction filings were lowest when both a strong state moratorium and a federal moratorium were in effect. Finally, state moratoria tempered the relationships between risk factors such as community poverty or racial and ethnic demographic composition and eviction filings. Results suggest that state eviction moratoria, particularly those targeting earlier stages of the eviction process, were successful in meeting their primary goal of decreasing eviction risks during the pandemic.","PeriodicalId":47744,"journal":{"name":"Housing Policy Debate","volume":" ","pages":""},"PeriodicalIF":2.9,"publicationDate":"2023-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47240526","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Property Tax, Levy Expectations and Housing Asset Allocation: Evidence from Chinese Households 财产税、征收预期与住房资产配置:来自中国家庭的证据

IF 2.9 3区经济学

Housing Policy Debate Pub Date : 2023-06-07 DOI: 10.1080/10511482.2023.2215734

Youmeng Wu, Hongliang Sun, Xianzhu Wang, Mengkai Chen, He Huang, Meng Li

引用次数: 0

The Racially Disparate Influence of Filing Fees on Eviction Rates 申请费对驱逐率的种族差异影响

IF 2.9 3区经济学

Housing Policy Debate Pub Date : 2023-05-26 DOI: 10.1080/10511482.2023.2212662

Henry Gomory, D. Massey, James R. Hendrickson, Matthew Desmond

引用次数: 1

The Prevalence, Profitability, and Risks of Milking Among Low-End Small Rental Properties 低端小型出租房地产的患病率、盈利能力和风险

IF 2.9 3区经济学

Housing Policy Debate Pub Date : 2023-05-24 DOI: 10.1080/10511482.2023.2210560

Nathaniel Decker

{"title":"The Prevalence, Profitability, and Risks of Milking Among Low-End Small Rental Properties","authors":"Nathaniel Decker","doi":"10.1080/10511482.2023.2210560","DOIUrl":"https://doi.org/10.1080/10511482.2023.2210560","url":null,"abstract":"Abstract Low-cost but unsubsidized one- to four-unit rental properties provide a critical source of housing for millions of low- and moderate-income renters. These properties are disproportionately in high-poverty neighborhoods and, until recently, studies of these low-end small rental properties (SRPs) primarily focused on their financial viability. Scholars found that, in general, these properties were marginally profitable at best and carried serious financial risks. Recently, however, studies have found that low-end SRPs may be as profitable as or even more profitable than properties in lower-poverty neighborhoods, and have suggested that these profits are driven by exploitative management. I surveyed the owners and managers of SRPs to understand whether low-end properties were more likely to be profitable and whether the owners who did achieve profits at the low end used “milking” strategies. I found that SRPs in high-poverty neighborhoods are about as likely to be profitable as the rest of the market, but are also financially riskier. I found no compelling evidence of a link between profit and more exploitative management practices at the low end of the market. These findings call for a change in policymakers’ understanding of profit and exploitative management among low-end SRPs.","PeriodicalId":47744,"journal":{"name":"Housing Policy Debate","volume":" ","pages":""},"PeriodicalIF":2.9,"publicationDate":"2023-05-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49537355","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

Editorial 编辑

IF 2.9 3区经济学

Housing Policy Debate Pub Date : 2023-05-04 DOI: 10.1080/10511482.2023.2204607

G. Galster, C. Aiken

引用次数: 0

Mortgage Costs as a Share of Housing Costs—Placing the Cost of Credit in Broader Context 抵押贷款成本作为住房成本的一部分——将信贷成本置于更广泛的背景下

3区经济学

Housing Policy Debate Pub Date : 2023-04-25 DOI: 10.1080/10511482.2023.2197431

Jaclene Begley, Mark Palim

{"title":"Mortgage Costs as a Share of Housing Costs—Placing the Cost of Credit in Broader Context","authors":"Jaclene Begley, Mark Palim","doi":"10.1080/10511482.2023.2197431","DOIUrl":"https://doi.org/10.1080/10511482.2023.2197431","url":null,"abstract":"Housing affordability is a key policy concern and an important component of sustainable homeownership. It follows that reducing housing costs without increasing the risk of mortgage default is a critical approach to sustaining homeownership for current and future generations. In this paper, we break down the different elements of housing costs, specifically focusing on the nuances of mortgage costs. We use internal Fannie Mae data to establish a pro forma of housing costs for different owner-occupant borrower profiles over a typical ownership period (all homebuyers, first-time homebuyers [FTHBs], and low-income first-time homebuyers [LI FTHBs]). We find that the biggest contributors to overall housing costs are transactions costs, ongoing utility expenses, property taxes, home improvement costs, and the component of the mortgage interest rate that compensates investors for the time value of money, with utilities and home improvement costs particularly conspicuous for FTHBs and LI FTHBs. The guaranty fees charged by the government-sponsored enterprises and private mortgage insurance are estimated to be less than 6% of the cost of homeownership. These general patterns hold across racial and ethnic groups, although mortgage insurance alone is roughly 6% of total costs for Black and Hispanic FTHBs and LI FTHBs compared to 2% for white FTHBs and LI FTHBs. Overall, our findings suggest that nonmortgage housing costs are key areas that policymakers should focus on to reduce housing costs and foster sustained homeownership rates.","PeriodicalId":47744,"journal":{"name":"Housing Policy Debate","volume":"131 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-04-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135068180","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Who Drinks Bubble Tea? Coethnic Studentification in Toronto’s Chinatown 谁喝泡泡茶？多伦多唐人街的共同研究

IF 2.9 3区经济学

Housing Policy Debate Pub Date : 2023-03-31 DOI: 10.1080/10511482.2023.2192190

Luisa Sotomayor, Corals Zheng

引用次数: 0

Quantifying the Impact of Evictions and Eviction Filings on Homelessness Rates in the United States 量化驱逐和驱逐记录对美国无家可归率的影响

IF 2.9 3区经济学

Housing Policy Debate Pub Date : 2023-03-31 DOI: 10.1080/10511482.2023.2186749

Dan Treglia, Thomas Byrne, Vijaya Tamla Rai

引用次数: 1

Single-Family Zoning and Race: Evidence From the Twin Cities 单户分区与种族：来自双子城的证据

IF 2.9 3区经济学

Housing Policy Debate Pub Date : 2023-03-20 DOI: 10.1080/10511482.2023.2186750

Salim Furth, Mary E. Webster

引用次数: 1

A Missed Opportunity? The 4% Low-Income Housing Tax Credit Program 错失良机？4%的低收入住房税收抵免计划

IF 2.9 3区经济学

Housing Policy Debate Pub Date : 2023-03-01 DOI: 10.1080/10511482.2023.2180651

Yiwen (Xavier) Kuai

引用次数: 0