As 2025 comes to a close, we’re reflecting on the work undertaken by Housing Affordability Institute to further the housing policy discussion. The goal throughout the year has been to support informed decision-making and contribute to solutions that expand access to homeownership opportunities.

Homeownership Reports

Promoting Homeownership’s Enduring Value:  This report outlines the benefits of homeownership at the individual level and the immense value of homeownership on society.

Understanding Minnesota’s Homeownership Decline: Minnesota’s Homeownership Challenge: Undersupply, High Prices, and Competitive Disadvantage from Housing Affordability Institute examines several years of housing data to explore why the state’s homeownership rate is declining.

Housing Policy White Papers

New Series Launched: In March, Housing Affordability Institute expanded its coverage of legal precedents impacting housing and development with the creation of a state-level legal precedent series.

Examining How Density Is Determined: Beyond lot size and housing type, true housing capacity depends not just on lot size and housing type, but also on how zoning regulations interact with bulk controls and other land use policies.

Explaining Housing Supply vs. Inventory:  Housing Affordability Institute’s white paper outlines two key measures that shape housing markets and affordability—housing supply and housing inventory—and how they differ.

Commentary On Housing News

Revesting Sheetz v. El Dorado One Year On: One year later, the Sheetz v. El Dorado ruling remains a game changer for housing affordability, the true impact of which has yet to be tested.

Why Bipartisan Support and Executive Leadership Matter in Housing Reform: This commentary highlights why executive leadership and bipartisan support are critical to enacting housing reform.