References related to affordable homeownership

Note:  most of these references contain extensive bibliographies which themselves contain a number of additional references.  The list that follows includes not only references with data in support of the benefits of homeownership but also references that suggest the benefits of homeownership might have been overstated, especially by research prior to the housing crisis. This list has been updated (10/2013) to include a rigorous 2013 re-examination of homeownership post-housing crisis, co-authored by one of the foremost scholars in the area, William Rohe and published by the Joint Center for Housing Studies at Harvard University.

NEW:  Rohe, William M. and Lindblad, Mark (August 2013). Reexamining the Social Benefits of Homeownership after the Housing Crisis. Joint Center for Housing Studies Paper HBTL-04. Paper originally presented at Homeownership Built to Last: Lessons from the Housing Crisis on Sustaining Homeownership for Low-Income and Minority Families – A National Symposium held on April 1 and 2, 2013 at Harvard Business School in Boston, Massachusetts.

The Local Impact of Home Building in a Typical Metro Area:  Income, Jobs, and Taxes Generated
Prepared by the Housing Policy Department, National Association of Homebuilders  June 2009

The Local Impact of Home Building in a Typical Metro Area:  Comparing Costs to Revenue for Local Governments. Prepared by the Housing Policy Department, National Association of Homebuilders June 2009

Colson, N. Edward. "Housing Policy and the Social Benefits of Homeownership." Federal Reserve Bank of Philadelphia  Business Review (Second Quarter 2002), pp. 7-16.

This is a review paper that provides “the” comprehensive and concise summary of the existing credible academic literature (as of 2002) on the topic of the social benefits of homeownership pre-crisis.   Extensive and robust bibliography.

Homeownership Done Right:  What Experience and Research Teach Us.  David Abromowitz and Janneke Ratcliffe.  Center for American Progress April 2010.

Homeownership:  The Problematics of Ideals and Realities.  Lynne Dearborn .  J. Affordable Housing, Fall 2006.
Homeownership for the Poor in Distressed Neighborhoods:  Does This Make Sense?  Joseph Harkness and Sandra J. Newman, Johns Hopkins University.  Published in Housing Policy Debate 13 (3).    Fannie Mae Foundation 2002.

Harkness, Joseph, and Sandra Newman. 2003. "Differential Effects of Homeownership
on Children from Higher- and Lower-Income Families." Journal of Housing Research 14:1-19.
In Pursuit of a Responsible Homeownership Policy.  Reid Cramer.  Published in Shelterforce:  The Journal of Affordable Housing and Community Building (National Housing Institute) Fall 2009.

Now’s the Time:  How the Housing Crisis Has Created An Unprecedented Opportunity for Working Families to Achieve Financial Security.  Published by Homewise, Inc. Santa Fe, June 2012.

Glaeser, Edward L. 2011. Rethinking the Federal Bias Toward  Homeownership. Cityscape: A Journal of Policy Development and Research 13(2). and citable link:

 “VISION 2040.”  Puget Sound Regional Council (December 2009).

Housing Seattle.”  Seattle Planning Commission (Winter 2011).

Andriotis, A. “Five housing markets where renting beats owning.”  The Wall Street Journal: MarketWatch (June 25, 2012).

Housing Levy Impact:  2011 Report of Accomplishments Housing (City of Seattle, Seattle City Council, Seattle Office of Housing) February 2012

The Impacts of Affordable Housing on Health:  A Research Summary. Cohen, Rebecca.  Published in Insights from Housing Policy Research (May, 2011).  The Center for Housing Policy.

Affordable housing is important to the economic vitality of communities.   Retrieved from:

Foundation for Success? A Review of New Research on the Effects of Homeownership on Children   Brennan, Maya.  Published in Insights from Housing Policy Research (October, 2010). 
The Impacts of Affordable Housing on Education:  A Research Summary.  Brennan, Maya. Published in Insights from Housing Policy Research (May, 2011).  The Center for Housing Policy.

Comprehensive Community Initiatives:  Lessons in Neighborhood Transformation.   Anne C. Kubisch.  Published by National Housing Institute Shelterforce Online January/February 1996.

The American Dream or The American Delusion?  The Private and External Benefits of Homeownership
Grace W. Bucchianeri.  The Wharton School of Business (Unpublished Manuscript).    (Undated, but post-crisis).

Rohe, William M., and Michael A. Stegman. 1994. "The Impact of Home Ownership on the Social and Political Involvement of Low-Income People." Urban Affairs Review 30:152-172   abstract:

Rohe, William M., and Leslie S. Stewart. 1996. "Homeownership and Neighborhood
Stability." Housing Policy Debate 7:37-81.

American Dream or American Obsession?  The Economic Benefits and Costs of Homeownership.
Wenli Li and Fang Yang.  Published by the Federal Reserve of Philadelphia 2010.

DiPasquale, Denise, and Edward Glaeser.  Incentives and Social Capital: Are Homeowners Better Citizens?. Journal of Urban Economics, 45, 1999, pp. 354-84. (a preliminary version of this paper that appeared in Chicago Working Paper in Law & Economics I n1997 is available at

The Social Benefits and Costs of Homeownership:  A Critical Assessment of the Research.  William M. Rohe, Shannon Van Zandt and George McCarthy.  Published by the Joint Center for Housing Studies, Harvard University, October 2001.

The Private and Social Benefits of Homeownership:  A Lecture by Dr. Donald R. Haurin, Professor of Economics, Finance and  Public Policy, Ohio State University (December 11, 2003).

Are Homeowners Better Citizens? New Evidence on the Behavioral Effects of Homeownership for Local Civic Participation.  Brian J. McCabe, Department of Sociology, New York University (Unpublished and undated manuscript)

Retsinas, Nicolas P., and Eric S. Belsky (Eds.). 2002. Low-Income Homeownership: Examining the Unexamined Goal. Washington, D.C.: Brookings Institute Press.




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Thank you for taking the time to talk to me and put my heart at rest! I look forward to working with you to stay in our home.  I have an appointment with a housing counselor your referred us to and I will give you an update once that occurs.  Again, it meant so very much to me that you took the time to give me hope.
A. F.
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B. A.
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