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Bibliography on Mortgage Interest Deduction and Related Topics
Compiled by the National Low Income Housing Coalition
Updated October 2012
Acharya, V.V., Richardson, M.P., Van Nieuwerburgh, S., and White, L. J. (2011, August 17). White picket fences? Not so fast. New York Times, p. A21. http://www.nytimes.com/2011/08/17/opinion/why-we-should-end-homeownersh…
Altman, D. (2005, October 16). Arguing against that deduction. New York Times, p. 4-2. http://query.nytimes.com/gst/fullpage.html?res=9901E2D6143FF935A25753C1…
Anderson, J.E., Clemons, J. and Hanson, A. (2007). Capping the mortgage interest deduction. National Tax Journal, 60 (4). pp. 769-785. http://ntj.tax.org/wwtax/ntjrec.nsf/F09D92F1BCED8DDE852573E10055D7AD/$F…
Andrews, D. (2010). Real house prices in OECD countries: The role of demand shocks and structural and policy factors. OECD Economics Department Working Papers, No. 831, OECD Publishing.
Andrews, E.L. and Montgomery, L. (2010, May 2). Worried how big the deficit grows? Mind the $1 trillion in tax breaks. Washington Post, p. G1-G4. http://www.washingtonpost.com/wp-dyn/content/article/2010/05/01/AR20100…
Apgar. W. C. (2004). Rethinking rental housing: Expanding the ability of rental housing to serve a pathway to economic and social opportunity. Joint Center for Housing Studies, Harvard. W04-11.
Bair, S.C. (2010, June 7). Remarks to the Housing Association of Non-profit Developers annual meeting. http://www.fdic.gov/news/news/speeches/chairman/spjun0710.html
Baker, D. (2005, January 11). Who’s dreaming? Homeownership among low income families. Washington, D.C.: Center for Economic and Policy Research. http://www.cepr.net/documents/publications/housing_2005_01.pdf
Baker, D. and Baribeau, S. (2003, August 13). Homeownership in a bubble: The fast path to poverty? Washington, D.C.: Center for Economic and Policy Research.
Baker, D., Pelletiere, D., and Rho, H.J. (2008, April). The Cost of Maintaining Ownership in the Current Crisis. Washington, D.C.: Center for Economic and Policy Research and National Low Income Housing Coalition. http://nlihc.org/library/other/periodic/cost-maintaining-ownership
Baneman, D., Nguyen, H., Rohaly, J., and Toder, E. (2011, August 11). Options to reform the deduction for home mortgage interest. Washington, D.C.: Urban-Brookings Tax Policy Center. http://www.taxpolicycenter.org/UploadedPDF/412496-MID-reform-options-fi…
Baribeau, S. (2009, September 12). A confession from a home ownership advocate. Financial Times. FT.com. http://www.ft.com/cms/s/0/f64a9e36-9da3-11de-9f4a-00144feabdc0.html
Barker, D. and Miller, E. (2009). Homeownership and child welfare. Real Estate Economics, 37 (2). 279-303.
Bartlett, B. (2001). Tax return’s “third rail:” Mortgage Interest. National Center for Policy Analysis. BG-139.
Batchelder, L.L., Goldberg, Jr., F.T., and Orszag, P.R. (2006, August). Reforming tax incentives into uniform refundable tax credits. Policy brief #156. Washington, D.C.: Brookings Institution. http://www.brookings.edu/~/media/research/files/papers/2006/8/taxes%20o…
Batchhelder, L. and Toder, E. (2010). Government spending undercover: Spending programs administered by the IRS. Washington, D.C.: Center for American Progress. http://lsr.nellco.org/cgi/viewcontent.cgi?article=1219&context=nyu_lewp
Belsky, E. S., Collins, J.M., and Retsinas, N.P. (1999, January). Towards a targeted homeownership tax credit. Washington, D.C.: Brookings Institution.
Belsky, E. S., Retsinas, N.P., and Duda, M. (2005, September). The financial returns to low income homeownership. Cambridge, MA: Joint Center for Housing Studies, Harvard, W05-9.
Boger, J.C. ( June 1993). Toward ending residential segregation: A fair share proposal for the next reconstruction. North Carolina Law Review.
Brady, P., Cronin, J., and Houser, S. (2003). Regional differences in the utilization of the mortgage interest deduction. Public Finance Review, 31 (4), 327-366.
Breaux, J. (2011, October 6). Testimony before U.S. Senate Committee on Finance hearing entitled “Tax Reform Options: Incentives for Home Ownership.” http://www.finance.senate.gov/imo/media/doc/Breaux%20Final%20Testimony…
Brownstein, R. (2011, March 19). A solid foundation: Why Americans still long for their own homes. National Journal, pp. 30-32, 34-35. http://www.allstate.com/allstate/content/refresh-attachments/heartland_…
Bucchianeri, G. W. (ND). The American dream or the American delusion? The private and external benefits of homeownership. Forthcoming. http://real.wharton.upenn.edu/~wongg/research/American%20Dream%20or%20A…
Burman, L. E. (2003, Sept.). Is the tax expenditure concept still relevant? National Tax Journal. http://ntj.tax.org/wwtax/ntjrec.nsf/8BFFE655B303017C85256DD30074762A/$F…
Burman, L.E., Geissler, and Toder, E. J. (2008). How big are total individual tax expenditures, and who benefits from them? American Economic Review: Paper & Proceedings, 98(2), 79-83. http://www.taxpolicycenter.org/UploadedPDF/1001234_tax_expenditures.pdf
Bourassa, S.C. and Grigsby, W.G. (2000). Income tax concessions for owner-occupied housing. Housing Policy Debate, 11 (3). pp. 521-546. http://content.knowledgeplex.org/kp2/img/cache/kp/1268.pdf
Bourassa, S.C., Haurin, D.R., Hendershott, P.H., and Hoesli, M. (2012, February 9). Mortgage interest deductions and homeownership: An international survey. Swiss Finance Institute Research Paper Series No. 12-06. http://ssrn.com/abstract=2002865
Bourassa, S. C. and Hendershott, P. H. (1994). On equity effects of taxing imputed rent: Evidence from Australia. Housing Policy Debate, 5 (11). pp. 73-95. http://www.knowledgeplex.org/kp/text_document_summary/scholarly_article…
Brown, D. A. (2010). Shades of the American Dream. Washington University Law Review. http://www.law.emory.edu/fileadmin/faculty_documents/dabrown7/Shades_La…
Carasso, A., Bell, E., Olsen, E.O., and Steurle, C.E. (2005, June). Improving homeownership among poor and moderate-income households. Opportunity and ownership project. The Urban Institute, No.2. http://www.urban.org/UploadedPDF/311184_improving_homeownership.pdf
Carliner, M. S. (1998). Development of federal homeownership ‘policy.’ Housing Policy Debate, 9 (2), 299-322. http://www.michaelcarliner.com/HPD98-OwnershipPolicy.pdf
Carroll, R., O’Hare, J.F., and Swagel, P.L. (2011, June). Costs and benefits of housing tax subsidies. Pew Charitable Trusts. http://www.pewtrusts.org/uploadedFiles/wwwpewtrustsorg/Reports/Economic…
Case, K. (2011, October 6). Testimony before U.S. Senate Committee on Finance hearing entitled “Tax Reform Options: Incentives for Home Ownership.” http://www.finance.senate.gov/imo/media/doc/Case%20Senate%20Finance%20T…
Center for Community Change, Center for Economic and Policy Research, Children’s Defense Fund, Community Learning Project, and National Low Income Housing Coalition. (2005, January). The crisis in America’s housing: Confronting myths and promoting balanced housing policy. Washington, D.C.: Authors. http://nlihc.org/sites/default/files/housingmyths.pdf
Cho, S. and Francis, J. (2008). Tax treatment of owner occupied housing and wealth inequality. Fordham University Department of Economics Discussion Paper No. 2008-17.
Collins, J.M. (2007). Federal policies promoting affordable homeownership: Separating the accidental from the strategic. In W.M. Rohe and H.L. Watson (Eds.), Chasing the American Dream: New Perspectives on Affordable Homeownership. Ithaca: Cornell University Press, pp.69-9
Committee for a Responsible Federal Budget. (2010, October). Let’s get specific: Tax expenditures. Washington, D.C.: Author. http://crfb.org/sites/default/files/Lets_Get_Specific_-_Tax_Expenditure…
Congressional Budget Office. (2011, March). Reducing the deficit: Spending and Revenue Options. https://www.cbo.gov/sites/default/files/cbofiles/ftpdocs/120xx/doc12085…
Congressional Budget Office. (2009, November 3). An overview of federal support for housing. Economic and Budget Issue Brief. https://www.cbo.gov/sites/default/files/cbofiles/ftpdocs/105xx/doc10525…
Congressional Budget Office. (2009, August). Budget Options, Volume 2. https://www.cbo.gov/sites/default/files/cbofiles/ftpdocs/102xx/doc10294…
Congressional Budget Office. (2001, February). Budget Options. https://www.cbo.gov/sites/default/files/cbofiles/ftpdocs/27xx/doc2731/e…
Congressional Research Service. ( 2010, December). Tax expenditures: Compendium of background materials on individual provisions. Prepared for the Committee on the Budget, U.S. Senate. S.Prt. 111-58.
Corporation for Enterprise Development (CFED). (2004). Hidden in plain sight: A look at the $335 billion federal asset building budget. Washington, D.C.: Author. http://cfed.org/assets/documents/publications/Hidden%20in%20Plain%20Sig…
Corporation for Enterprise Development (CFED). (2010). Upside down: The $400 billion federal asset building budget. Washington, D.C.: Author. http://www.aecf.org/~/media/Pubs/Initiatives/Family%20Economic%20Succes…
Crane, A.T. (2010, March 23). End deductions for mortgages. New York Times, p. B2. http://www.nytimes.com/2010/03/23/business/23views.html?_r=0
Crook, Clive. (2007, December). House bound. The Atlantic, pp. 21-22. http://www.theatlantic.com/magazine/archive/2007/12/housebound/306419/
Davis, M.A. (2012, May 15). Questioning homeownership as a public policy goal. Policy Analysis No. 696. Washington, D.C.: Cato Institute. http://www.cato.org/pubs/pas/PA696.pdf
Debt Reduction Task Force. (2010, November.) Restoring America’s future: Reviving the economy, cutting, spending and debt, and creating a simple, pro-growth tax system. Washington, D.C.: The Bipartisan Policy Center. http://bipartisanpolicy.org/sites/default/files/BPC%20FINAL%20REPORT%20…
Denton, N. A. (2001). The role of residential segregation in promoting and maintaining inequality in wealth and property. Indiana Law Review, 34, 1199-1211.
Diamond, J.W. and Zodrow, G.R. (2011, January 31). Fundamental tax reform: Then and now. Baker Institute Research. Houston, TX: James A. Baker III Institute for Public Policy, Rice University. http://www.bakerinstitute.org/publications/TEPP-pub-FundamentalTaxRefor…
Dietz, R. (2011, October 6). Testimony before U.S. Senate Committee on Finance hearing entitled “Tax Reform Options: Incentives for Home Ownership.” http://www.finance.senate.gov/imo/media/doc/Dietz%20testimony%20SFC%201…
Dietz, R. (2010, May 3). Housing tax incentives: Age distribution analysis. HousingEconomics.com. Washington, D.C.: National Association of Home Builders. http://www.nahb.org/fileUpload_details.aspx?contentTypeID=3&contentID=1…
Dietz, R. and Siniaviskaia, N. (2011, January 4). Who benefits from the housing tax deductions? HousingEconomics.com. Washington, D.C.: National Association of Home Builders. http://www.nahb.com/fileUpload_details.aspx?contentTypeID=3&contentID=1…
Dolbeare, C.N. (1981, March 31). “The need to limit homeowner deductions.” Testimony before Committee of Ways and Means, U.S. House of Representatives. http://nlihc.org/sites/default/files/Dolbeare_Ways_Means_1981.pdf
Dolbeare, C.N. (1973). Federal tax rip-offs: Housing subsidies for the rich. Washington, D.C.: Rural Housing Alliance. http://nlihc.org/sites/default/files/Dolbeare%20_Federal_Tax_Ripoffs_19…
Dolbeare, C.N., Saraf, I. B. and Crowley, S. (2004, October). Changing priorities: The federal budget and housing assistance, 1976-2005. Washington, D.C.: National Low Income Housing Coalition. http://nlihc.org/sites/default/files/cp04.pdf
Donmoyer, R.J. (2005, August 27). Goodbye mortgage deduction? Washington Post, p. F18. http://www.washingtonpost.com/wp-dyn/content/article/2005/08/26/AR20050…
Drier, P. (2006). Federal housing subsidies: Who benefits and why? In R.G. Bratt, M. E. Stone, and C. Hartman (Eds.), A Right to Housing: Foundation for a New Social Agenda. Philadelphia: Temple University Press, pp. 105-138.
The Economist. (2009, April 18). Shelter, or burden? pp. 76-78. http://www.economist.com/node/13491933
Farrell, C. (2008, April 17). Housing: Time to halt taxpayer subsidies. Commentary. http://www.businessweek.com/stories/2008-04-17/housing-time-to-halt-tax…
Fleenor, P. (2010, May 25). Tax savings from mortgage in tenant deduction vary significantly from state to state. Tax Foundation fiscal fact No. 230. http://taxfoundation.org/sites/taxfoundation.org/files/docs/ff230.pdf
Follain, J.R. and Dunsky, R.M., (1997). The demand for mortgage debt and the income tax. Journal of Housing Research, 8 (2), 155-199.
Follain, J.R. and Ling, D.C., (1991). The federal tax subsidy to housing and the reduced value of the mortgage interest deduction. National Tax Journal, 44 (2), 147-68.
Follain, J.R., Ling, D.C., and McGill, G.A. (1993). The preferential income tax treatment of owner-occupied housing: Who really benefits? Housing Policy Debate, 4 (1), 1-42.
Follain, J.R. and Melamed, L.S. (1998). The false messiah of tax policy: What elimination of the home mortgage interest deduction promises and a careful look at what it delivers. Journal of Housing Research, 9 (2), 179-199.
Furman, J. (2005, November 10). End the mortgage-interest deduction! Slate. http://www.slate.com/id/2130017/
Gale, W.G., Gruden, J., and Stephens-Davidowitz, S. (2007, June 18). Encouraging homeownership through the tax code. Tax Notes, pp. 1171-1189. http://www.urban.org/UploadedPDF/1001084_Encouraging_Homeownership.pdf
Gerson, M. (2010, May 19). European and American debt crises signal an era of austerity. Washington Post, p. A19. http://www.washingtonpost.com/wp-dyn/content/article/2010/05/18/AR20100…
Glaeser, E.L. (2009, February 24). Killing (or maiming) a sacred cow: Home mortgage deductions. New York Times. http://economix.blogs.nytimes.com/2009/02/24/killing-or-maiming-a-sacre…
Glaeser, E. L., Crowe, D., and Sinai, T. (2011, Spring). Viewpoints: The mortgage interest deduction. Evidence Matters, pp.16-18. http://www.huduser.org/portal/periodicals/em/spring11/highlight4.html
Glaeser, E.L., Gottlieb, J., and Gyourko, J. (2010, May). Did credit market policies cause the housing bubble? Policy Briefs. Rappaport Institute/ Taubman Center. Kennedy School, Harvard.
http://patrick.net/contrib/GlaeserGFCPaper2010.pdf
Glaeser, E.L. and Gyourko, J. (2008). Rethinking federal housing policies. Washington, D.C.: American Enterprise Institute Press.
Glaeser, E.L. and Shapiro, J.M. (2002, October). The benefits of the home mortgage interest deduction. Harvard Institute of Economic Research, Discussion paper Number 1979. http://www.economics.harvard.edu/pub/hier/2002/HIER1979.pdf
Goetz, E. G. (2007). Is housing tenure the new neighborhood dividing line? In W.M. Rohe and H.L. Watson (Eds.), Chasing the American Dream: New Perspectives on Affordable Homeownership. Ithaca: Cornell University Press, pp.96-110.
Golombek, J. (2009, November 21). Mortgage interest deduction bad policy. Financial Post, p. FP11. http://www2.canada.com/business/fp/mortgage+interest+deduction+policy/2…; http://www.jamiegolombek.com/articledetail.php?article_id=1003
Gravelle, J. (2006, August 3). Testimony before Committee on Finance, U.S. Senate.
http://www.finance.senate.gov/imo/media/doc/080306jgtest.pdf
Green, R. K. (2011, October 6). Testimony before U.S. Senate Committee on Finance hearing entitled “Tax Reform Options: Incentives for Home Ownership.” http://www.finance.senate.gov/imo/media/doc/Testimony%20of%20Richard%20…
Green, R. K. , Hendershott, P. H., and Capozza, D. R. (1996, March 5). Taxes, Mortgage Borrowing and House Prices. Brookings Conference on Economic Effects of Fundamental Tax Reform, February 15-16, 1996.
Green, R. K. and Reschovsky, A. (2001). Using tax policy to increase home ownership among low and moderate income households. Final report submitted to Ford Foundation (Grant #0990-1035-1).
Gudell, S. (2012, September 21). September 2012 Zillow home price expectations survey results. http://www.zillow.com/blog/research/2012/09/21/september-2012-zillow-ho…
Hanlon, S. (2011, October). Six principles for tax expenditure reform: Common sense guidelines for policymakers. Washington, D.C.: Center for American Progress. http://www.americanprogress.org/wp-content/uploads/issues/2011/10/pdf/t…
Harney, K.R. (2011, February 25). As deficit looms larger, Senators’ eye cuts in mortgage interest deductions. Washington Post. http://www.washingtonpost.com/wp-dyn/content/article/2011/02/25/AR20110…
Harney, K.R. (2009, August 29). Going where Congress hasn’t gone. http://www.highbeam.com/doc/1P2-20694595.html
Harney, K.R. (2007, August 25). Tax deduction under fire for ‘McMansions.’ http://www.washingtonpost.com/wp-dyn/content/article/2007/08/24/AR20070…
Harrop, F. (2012, September 13.) Closing the mortgage-deduction loophole. http://www.creators.com/print/opinion/froma-harrop/close-the-mortgage-d…
Harvey, B. (2006, October 3). A decent home and suitable living environment for all Americans: Rhetoric or legitimate goal? The John T. Dunlap Lecture, Joint Center for Housing Studies, Harvard. http://www.jchs.harvard.edu/sites/jchs.harvard.edu/files/m06-1_harvey.p…
Heavens, A.J. (2009, March 2). Plan to limit mortgage deduction draws fire. Philadelphia Inquirer, p. CO1.
Hendershott, P.H. and Pryce, G. (2006). The sensitivity of homeowner language for the deductibility of home mortgage interest. Journal of Urban Economics (60), pp. 50-68.
Hendershott, P.H., Pryce, G., and White, M. (2003). Household leverage and the deductibility of home mortgage interest: Evidence from U.K. house purchases. Journal of Housing Research, 14 (1), 49-82.
Hilber, C. A. and Turner, T. M. (2011, November). The mortgage interest deduction and its impact on home ownership decisions. Draft paper. http://www.k-state.edu/economics/staff/websites/turner/hilberturnerv035…
Hodge, S. A. (2011, March 9). Testimony before U.S. Senate Budget Committee, Hearing titled “Distribution and Efficiency of Spending in the Tax Code.” http://taxfoundation.org/article/testimony-scott-hodge-us-senate-budget…
Holzer, J. (2010, July 21). Zandi on housing. ‘Stop subsidizing housing industry with tax deductions.’ Wall Street Journal. http://blogs.wsj.com/developments/2010/07/21/zandi-on-housing-stop-subs…
Howard, C. (2007). The welfare state nobody knows: Debunking myths about U.S. social policy. Princeton: Princeton University Press.
Howard, C. (1997). The hidden welfare state: Tax expenditures and social policy in the United States. Princeton, NJ: Princeton University Press.
Institute on Taxation and Economic Policy. (2010, August.) “Writing off” tax giveaways: How states can help balance their budgets by reforming or repealing itemized deductions. Washington, D.C.: Author. http://www.itepnet.org/pdf/itemize0810.pdf
Jackson, P.J. (2005, August 8). Fundamental tax reform: Options for the mortgage interest deduction. Washington, D.C.: Congressional Research Service. (Order Code RL33025) http://www.policyarchive.org/handle/10207/bitstreams/2523.pdf
Jackson, P.J. (2008, January). Fundamental tax reform: Options for the mortgage interest deduction. Washington, D.C.: Congressional Research Service. (Order Code RL33025)
Joint Committee on Taxation. (2012, January 17.) Estimates of federal tax expenditures for Fiscal Years 2011-2015. Washington, D.C.: U.S. Congress, JCS-1-12. https://www.jct.gov/publications.html?func=startdown&id=4386
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Kleinbard, E. D. (2008, May 1). Rethinking tax expenditures. Address to Chicago-Kent College of Law, Federal Tax Insitute. https://www.jct.gov/publications.html?func=startdown&id=1197
Krueckeberg, D.A. (1999). The grapes of rent: A history of renting in a country of owners. Housing Policy Debate, 10 (1), 9-30.
Lacker, J.M. (2005, Spring). Encouraging homeownership – at what cost? Region Focus. Federal Reserve Bank of Richmond, p. I. http://www.richmondfed.org/publications/research/region_focus/2005/spri…
Ling, D. C. and McGill, G.A. (1992). Measuring the size and distributional effects of homeowner tax preferences. Journal of Housing Research, 3 (2), 273-303.
Ling, D. C. and McGill, G.A. (2007). The variation of homeowner tax preferences by income, age, and leverage. Real Estate Economics, 35 (4), 505-539.
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