NLIHC releases periodic reports, research notes and white papers on a variety of housing policy issues, like renters in foreclosure, assisted housing preservation and other emerging issues.
NLIHC Research Note: Long-Term State and Local Rental Assistance Programs - Finding Solutions For a Growing Crisis
This research note discusses the funding and operating of state and local rental assistance programs in the midst of the COVID-19 and economic crisis. Before the pandemic, many states and several large cities were already funding and operating rental assistance programs. In response to the pandemic, many jurisdictions have created or expanded emergency rental assistance programs, funded through a range of federal (e.g., CARES Act), state, and local resources.
NLIHC Research Note: Emergency Rental Assistance Needs for Workers Struggling Due to COVID-19
This research note shows how the COVID-19 outbreak and related shutdowns continue to have a devastating impact on the job market. Evidence suggests that lower-wage workers are the most likely to be suffering a loss of income.
NLIHC Research Note Highlights The Need for Emergency Rental Assistance During the COVID-19 and Economic Crisis
This research note investigates the need for emergency rental assistance in cost-burdened households in the midst of COVID-19 and the economic and unemployment crisis. Providing temporary rental assistance to current and projected severely cost-burdened renters would keep at-risk tenants stably housed and protect and preserve our country’s limited naturally-occurring affordable housing.
NLIHC Report on Long-Term Rental Recovery after Superstorm Sandy Shows Loss of Low-Income Rentals, More Needs to be Done for Low-Income Survivors.
The report shows a loss of low-income rentals and gentrification in heavily impacted communities. Interviews conducted by NLIHC for this study highlight the limited targeting of recovery funds for renters with the lowest incomes, the long recovery time needed for multifamily housing, and potential challenges in recovery for small landlords. Learn More
Balancing Priorities: Preservation and Neighborhood Opportunity in Low-Income Housing Tax Credit Program Beyond Year 30
The Low-Income Housing Tax Credit (LIHTC) is the largest national affordable housing program in the U.S. By 2030, nearly half a million current LIHTC units, or nearly a quarter of the total stock will reach the end of all federally mandated rent-affordability and income restrictions. Some of these units will be lost from the affordable housing supply as they convert to market-rate rents. Others may be lost to physical deterioration unless new capital investment is available for rehabilitation and renovation. This report sheds light on these preservation challenges with an examination of the neighborhood characteristics of these LIHTC units and a discussion of how scarce resources for affordable housing lead to a dilemma between the priorities of preserving affordable housing and promoting mobility for low-income families to higher-opportunity neighborhoods. The report addresses this dilemma by offering a broader vision for a housing safety net. Learn More
A Rare Occurrence: The Geography and Race of Mortgages Over $500,000
In A Rare Occurrence: The Geography and Race of Mortgages Over $500,000, the National Low Income Housing Coalition (NLIHC) has analyzed the Home Mortgage Disclosure Act (HMDA) data for all government-insured and conventional mortgages originated from 2012, 2013, and 2014 for home purchase or refinancing. The study looks at the geography of mortgages over $500,000 and who receives them in terms of the race of the recipients of these mortgages. Given that mortgages over $500,000 are a rare occurrence in most of the United States, the report invalidates critics’ fears that lowering the Mortgage Interest Deduction (MID) cap to $500,000 will affect home prices nationwide.
Aligning Federal Low Income Housing Programs with Housing Need
NLIHC undertook the Alignment Project in order to gain a better understanding of how existing federal housing resources are being used and to learn how those existing resources might be better aligned with the need for housing among ELI households. A series of research reports and policy recommendations were produced from the Alignment Project.
The first product of this project is the report, Aligning Federal Low Income Housing Programs with Housing Need, released in December 2014. In this report NLIHC found that while the Low Income Housing Tax Credit (LIHTC) program and other programs do serve extremely low income (ELI) households, those with incomes at or below 30% of area median income (AMI), they rarely do so without relying on housing vouchers. The report also features innovative strategies used by affordable housing developers to achieve deep affordability in their properties without relying on vouchers and includes five case studies of such properties. Learn More.
Memo to Members and Partners Articles
July 20, 2020
July 20, 2020
October 22, 2018