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Finding an affordable home is a crisis from coast to coast, and everywhere in between. Over one million new households are formed annually, but there is a deficit in supply of over 3 million homes – new construction simply isn’t keeping up with demand, particularly at the affordable end of the spectrum. New construction today is squarely above $200,000, which places the sale price of “starter homes” today at almost $250,000. At current interest rates, that would require an annual income of over $75,000 along with a downpayment. Today, Americans at the median income make $29,000 less than the income needed to buy homes at the median sales price. How did this happen?

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