Housing Affordability
Multi-Angle Attack on the Housing Crisis
The Affordability Crisis
Housing costs have surged 60% since 2019, making homeownership impossible for 75% of households. The crisis stems from regulatory gridlock, construction bottlenecks, and lack of wealth-building opportunities for young Americans.
| Metric | Value | Source |
|---|---|---|
| Households Unable to Afford Median Home | 74.9% | NAHB 2025 |
| Home Price Increase Since 2019 | 60% | Harvard JCHS 2025 |
| Home Price to Income Ratio | 5:1 | Harvard JCHS 2025 |
| Housing Wage (2-Bedroom) | $33.63/hour | NLIHC 2025 |
| Cost-Burdened Renter Households | 22.6 million | Enterprise 2025 |
Source: As referenced in The Decision Advantage white paper
Multi-Angle Solution
A co-ownership program where investors co-purchase a house with a homeowner. The investor purchases up to 50 percent of the house's value. In exchange, the investor receives tax credits equal to their contribution and shared appreciation.
"Fairness is not political. It is American."
Integrated Framework
How It Connects
Housing affordability connects directly to S.A.V.E. and Social Security reform through Lifetime Savings Accounts, which give young Americans the wealth-building capacity needed to afford homeownership in a transformed economy.