brycecovert + housing   56

Collective Action, White Flight, and the Origins of Formal Segregation Laws
cities had created and sustained residential segregation through private norms and vigilante activity. Only when these private arrangements began to break down during the early 1900s did whites start lobbying municipal governments for segregation ordinances.
housing  race 
5 weeks ago by brycecovert
Do People Respond to the Mortage Interest Deduction? Quasi-Experimental Evidence from Denmark
the mortgage interest deduction distorts the behavior of homeowners at the intensive margin, but is ineffective at promoting homeownership at the extensive margin and any externalities that may be associated with it
housing 
9 weeks ago by brycecovert
[no title]
Seventeen percent of workers have a schedule that
varies based on their employer’s needs, and just
over half of those with a varying work schedule
are usually assigned their schedule three days in
advance or less.
less-educated workers and
those working in the retail/wholesale trade industries,
food services, or entertainment industries are disproportionately
likely to have variable schedules based
on their employer’s needs. Workers with a high
school degree or less are more than twice as likely to
have an employer who varies their schedule (24 percent)
as workers with at least a bachelor’s degree
(11 percent). Similarly, 30 percent of wholesale or
retail workers and 35 percent of food services or
entertainment workers have variable schedules,
which is well above the rate observed for the population
as a whole.

Just under one-fourth of adults are not able to pay
all of their current month’s bills in full.

Twenty-six percent of all adults and 54 percent of
non-Hispanic black adults are either unbanked or
underbanked.

Nine percent of renters who moved in the previous
two years did so because they were evicted or faced
the threat of eviction.
12 percent of black renters
and 16 percent of Hispanic renters who moved in the
previous two years indicating that they moved for
these reasons [eviction or threat of it]

Non-Hispanic white adults with a high school
degree or less are somewhat less likely than those
of other races and ethnicities or those with more
education to report that their financial well-being
improved in 2016.

6 percent had no income at all
scheduling  wages  economy  unbanked  housing  workingclass 
may 2017 by brycecovert
How Homeownership Became the Engine of American Inequality - The New York Times
President Barack Obama’s 2017 budget proposal estimated that it would take $1 billion a year over the next 10 years to eliminate family homelessness in America — not decrease it or slice it in half, but end it. That’s less than 1 percent of what we currently spend on homeowner subsidies. And yet a bill designed to provide every child in America with a home was pronounced dead on arrival in Congress.
newsletter  housing  taxes 
may 2017 by brycecovert
Around Massachusetts, racial divides persist - The Boston Globe
In 86 of the state’s 351 cities and towns, not a single loan was made to a black or Latino home buyer.
redlining  race  housing 
april 2017 by brycecovert
Teachers, Police Priced Out of America’s Big Metro Areas - WSJ
In all, teachers can afford less than 20% of the homes for sale in 11 of the 93 major U.S. metro areas studied.
housing 
april 2017 by brycecovert
Rent Affordability Declining for Blacks and Hispanics | Fortune.com
In 2016, it took about 44% of income to make rent in predominantly black communities, up from 40% five years earlier, according to a report by Zillow released Thursday. In Hispanic communities, about 48% of income goes to the monthly rent check, up from 41% in 2011.
rent  redlining  race  housing 
march 2017 by brycecovert
The Austerity of the Obama Years | Dissent Magazine
negative equity was a solid predictor of Midwestern counties that flipped to Trump.
trump  housing 
january 2017 by brycecovert
Federal Programs for Addressing Low-Income Housing Needs
the median length
of stay in public housing is only 4.7 years, and the
median voucher household receives assistance for
3.1 years.
housing  poverty 
january 2017 by brycecovert
Mapping Inequality
online archive of HOLC maps with redlining
housing  discrimination  redlining 
october 2016 by brycecovert
The basic reason why there just isn’t enough decent housing for the poor - The Washington Post
For renters who make 30 percent of the local median income, or even 60 percent, new multifamily buildings were simply impossible to build without public help once you factor in the costs of acquiring land, paying designers, constructing buildings, maintaining them and servicing loans.
housing 
august 2016 by brycecovert
‘Redlining’ Home Loan Discrimination Re-emerges as Concern for Regulators - The New York Times
Over just the past 12 months, federal, state and city officials have successfully required banks to expand minority lending programs and, in some instances, to pay penalties as part of redlining settlements in Buffalo; Milwaukee; Providence, R.I.; Rochester; and St. Louis.
Milwaukee  housing 
october 2015 by brycecovert
Housing Enforcement Group Sues M&T Bank for Discrimination - ProPublica
the bank ran a first-time homebuyers loan program that used the racial makeup of the area where the home would be purchased as criteria, and that loan officers used the program to steer nonwhite homebuyers to largely nonwhite neighborhoods.
race  housing 
february 2015 by brycecovert
Moving Out And Buying In: Single Ladies Emerge As Homeowners : NPR
In recent years, single women have made up between 16 and 22 percent of homebuyers. Lautz says surveys show they place a higher priority than men on having a place to call their own, and will do more to make it happen.
housing  women 
april 2013 by brycecovert

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