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 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

 Click Here to View the Interactive PDF of the Report.

Sandy Rental


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

 Click Here to View the Interactive PDF of the Report.

 Click Here to Download a Print PDF of the Report.

Balancing Priorities


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. 

 Click Here to View the Interactive PDF of the Report.

 Click Here to Download a Print PDF of the Report.

A Rare Occurrence: The Geography and Race of Mortgages Over $500,000


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.

 Click Here to Download a Print PDF of the Report.

Alignment Report

Memo to Members and Partners Articles

November 12, 2013

Housing Instability Among Our Nation's Veterans

According to Housing Instability Among Our Nation’s Veterans, 1.5 million veteran households suffered from severe housing cost burden in 2011, spending more than 50% of their income on housing. There were also significant disparities among veteran households, with veteran households headed by a…

September 25, 2012

Renters in Foreclosure: A Fresh Look at an Ongoing Problem

While the number of foreclosures has dramatically increased since NLIHC’s 2009 report, Renters in Foreclosure: Defining the Problem, Identifying Solutions, the estimated proportion of renters affected by foreclosures has remained relatively constant at 40 percent. That is, renters continue to…

May 25, 2012

Affordable Housing Dilemma: The Preservation vs. Mobility Debate

Affordable Housing Dilemma: The Preservation vs. Mobility Debate A report from the National Low Income Housing Coalition takes a new look at one of the thorniest housing policy issues: Should policy favor the preservation of housing in low income neighborhoods or should policy favor helping low…

February 1, 2011

Dark Before the Storm

Dark Before the Storm: A Picture of Low Income Renters’ Housing Needs before the Great Recession from the 2005-2007 American Community Survey This report provides the results of an analysis of new U.S. Department of Housing and Urban Development (HUD) data that use the 2005-2007 American Community…