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The 2008 housing market crash, fueled by the subprime mortgage crisis, caused a sharp decline in housing prices nationwide, leading to widespread foreclosures. This took place during President George W. Bush's presidency.

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Laurent Belsie. “Great Recession Over? Not Much Help to Obama on CNBC Live.” The Christian Science Monitor, 20 Sept. 2010, www.csmonitor.com/Business/new-economy/2010/0920/Great-recession-over-Not-much-help-to-Obama-on-CNBC-live. Accessed 20 Mar. 2025.

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(2009-2010) Acts Put in Place to Combat Housing Issues Under Obama Administration

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(2009-2010) Acts Put in Place to Combat Housing Issues Under Obama Administration

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When Obama was elected, he signed off on several acts and reforms to combat the issues caused by the 2008 Housing Crisis. Some of these were the Economic Recovery Act of 2009, the Dodd-Frank Wall Street Reform, and the Consumer Protection Act of 2010.

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Lake, Jaboa. “The Pandemic Has Exacerbated Housing Instability for Renters of Color.” Center for American Progress, 30 Oct. 2020, www.americanprogress.org/article/pandemic-exacerbated-housing-instability-renters-color/.

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(2019-2020) Housing Assistance During the Pandemic

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(2019-2020) Housing Assistance During the Pandemic

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Many programs and acts were started and issued to help people facing housing struggles during the COVID-19 Pandemic. This included the Emergency Rental Assistance Program and the American Rescue Plan Act.

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(2023) Housing Shortage and the Rising in Demand for Housing

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(2023) Housing Shortage and the Rising in Demand for Housing

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After the end of quarantine and the pandemic, the demand for housing began to rise. However, construction issues caused by the pandemic prevented these rising housing demands from being immediately met. This low supply and high pricing still affect the housing market today.

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Olick, Diana. “New Tariffs Could Raise Home Prices and Sideline Potential Buyers.” CNBC, 3 Feb. 2025, www.cnbc.com/2025/02/03/trump-tariffs-news-construction-and-home-costs-could-rise.html.

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(2025) Tariffs on Building Materials and Rising Housing Prices

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(2025) Tariffs on Building Materials and Rising Housing Prices

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It has been said that tariffs placed on construction materials such as lumber. Have
increased construction costs and discouraged new developments. Additionally,
consumers end up paying for these tariffs in the form of higher home prices.

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Expanding Government Assistance and Legal Protections

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Expanding Government Assistance and Legal Protections

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Advocates for increased government intervention argue that systemic inequalities in housing require more action from the government through policies that ensure affordability. Said advocates support various measures such as rent control, increased federal funding for affordable housing, and legal advocacy programs to protect tenants from eviction.

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CNBC. “How Rent Control Policies Affect Housing Affordability #Shorts.” YouTube, 11 Apr. 2023, www.youtube.com/watch?v=OUULbkSqPPA. Accessed 30 Mar. 2025.

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How does rent control affect housing affordability?

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How does rent control affect housing affordability?

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Rent control essentially prevents landlords from unfairly raising rent however, some negative results from rent control include low property values and reduced housing supply.

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How rent control policies affect housing affordability #Shorts

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Federal programs for affordable housing 

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Federal programs for affordable housing 

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This website explains key steps the federal government has made toward the affordable housing issue such as low-income housing tax credits, tenant and project-based rental assistance programs, and public housing.

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Federal programs for affordable housing - Local Housing Solutions

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On this page On this page Funding a local housing strategy Plan Analyze Act Fund Refine Bridge While cities, towns, and counties have an important role to play in the funding process for affordable housing, most of the financial support for affordable programs comes from the federal government. This page provides an overview of major federal […]

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Market-Based Solutions and Deregulation 

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Market-Based Solutions and Deregulation 

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Another perspective emphasizes free-market solutions to the housing crisis. Advocates who share this position argue that reducing zoning restrictions, increasing the housing supply, and providing tax incentives for developers can lower housing costs without the need for excessive government intervention.

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Sign in to your account* “Shibboleth Authentication Request.” Uta.edu, 2025, www-icpsr-umich-edu.ezproxy.uta.edu/web/ICPSR/studies/25204/summary. Accessed 2 Mar. 2025.

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The Housing Affordability Data System (HADS)

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The Housing Affordability Data System (HADS)

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The HADS provides historical data that suggests that supply shortages play a significant role in affordability issues. Market-driven approaches propose that reducing regulatory barriers will encourage construction and competition, ultimately making housing more affordable.

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“U.S. Housing Supply Receives Boost, Marks First Increase in Eight Months | Angela Medley.” Angelamedley.com, 2015, angelamedley.com/blog/us-housing-supply-receives-boost-marks-first-increase-in-eight-months. Accessed 31 Mar. 2025.

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“Why Zoning Laws Are Stopping Housing Growth.” Www.youtube.com, www.youtube.com/shorts/ZjdCNnBkt0c. Accessed 31 Mar. 2025.

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Some properties have zoning restrictions that prevent certain types of housing from being built. For example, an area that has a zoning restriction that only allows single-family homes to be built can prevent other housing from being built, ultimately limiting possible business and deterring developers who may not want to be restricted to just building single-family homes.

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Why Zoning Laws Are Stopping Housing Growth

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Legal and Tax Reforms to Support Renters 

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Legal and Tax Reforms to Support Renters 

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Another position focuses on legal reforms and tax policies to assist renters and prevent homelessness. Advocates for this position argue that existing housing aid programs, such as House Choice Vouchers, do not reach enough eligible renters. A proposed solution, as discussed in an article from the Journal of Affordable Housing & Community Development Law, is the implantation of a federal Renter Tax Credit, which would provide financial relief to rent-burdened households. This approach aims to complement existing subsidies while reducing eviction risks and improving economic stability.

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Poethig, Erika C. “There Is Not Enough Affordable Rental Housing.” Urban Institute, 18 Nov. 2013, www.urban.org/urban-wire/there-not-enough-affordable-rental-housing. Accessed 31 Mar. 2025.

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Why do rental assistance programs not reach enough eligible renters?

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Why do rental assistance programs not reach enough eligible renters?

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As rent costs rise, the cost of serving existing voucher recipients has grown. This leaves very limited resources for additional low-income households to receive the benefits of the program.

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There is not enough affordable rental housing

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This piece originally appeared in the Orange County Register.

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Title, Homeless. “Homeless Title Stock Illustrations – 110 Homeless Title Stock Illustrations, Vectors & Clipart - Dreamstime.” Dreamstime, 2025, www.dreamstime.com/illustration/homeless-title.html. Accessed 31 Mar. 2025.

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Some countries do already have renter tax credits in place, however landlords must register in order for renters to be eligible.

In Texas, there are housing credits that allow residencies to be leased to qualified families at under-market rate rents.

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The renters tax credit is now available for 2024. It's €750 per renter and this year we have also extended it so that parents who are paying for a child's accommodation in college can claim it too. We are putting money back into your pocket. #fyp #foryou #foryoupage #rent #tax #credit #money #help #renters #parents #students #update

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@simon_harristd
The renters tax credit is now available for 2024. It's €750 per renter and this year we have also extended it so that parents who are paying for a child's accommodation in college can claim it too. We are putting money back into your pocket. #fyp #foryou #foryoupage #rent #tax #credit #money #help #renters #parents #students #update
♬ original sound - Simon Harris