Quantitative Squeezing Spurs Creative Paths to Homeownership

The 2026 ROAD to Housing Act aims to expand U.S. housing supply, focusing on affordable homes near key amenities. Renters face high homeownership costs, averaging 56.5% of income nationally, with some metros like Los Angeles requiring 100% or more. High hazard insurance, property taxes, and utilities vary widely by region, impacting affordability. Some smaller metros offer better affordability, but new home costs remain challenging across major markets.