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Urban Density & Housing Affordability

Publisher HHeuristics
Published Oct 21, 2025
Length 25 Pages
SKU # HHE20489546

Description

The housing affordability crisis stems from supply inelasticity in high-demand cities, worsened by exclusionary zoning and financialization of housing. Urban sprawl and restrictive land use regulations exacerbate inequality while inflating land values. True affordability requires reforming local control, enforcing state-level preemption, and coupling density liberalization with Land Value Capture (LVC) and public housing investment. The study emphasizes that affordability must be evaluated through holistic indices like Housing + Transportation (H+T) costs rather than static rent-income ratios. It argues for upzoning, minimum lot size reform, and transit-oriented development (TOD) as central mechanisms to expand supply and improve climate resilience while tackling systemic inequities in land use.
Draws on OECD, World Bank, and academic data on supply elasticity, zoning reform, and affordability indexes. Highlights state-level case studies (CA, TX, MN).

Table of Contents

25 Pages
1. Executive Summary
2. Urbanization & Economic Density
3. Supply Constraints and Financialization
4. Zoning and Political Barriers
5. Upzoning and TOD Strategies
6. State Preemption and Policy Frameworks

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