The hottest Housing Substack posts right now

And their main takeaways
Category
Top U.S. Politics Topics

No, Biden isn't punishing you for your high credit score.

Erdmann Housing Tracker • 84 implied HN points • 02 May 23
🇺🇸 U.S. Politics Policy Media Economy Housing Partisanship
  1. There was misinformation spread about Biden increasing fees for good credit homebuyers to subsidize those with risky credit scores.
  2. The misinformation was fueled by cherry-picked data and politically charged language in articles from various news sources.
  3. The real issue at hand is an actuarial decision about fee structures, and the impact on mortgage access post-Great Recession.

Are housing expenditures stable over time?

Erdmann Housing Tracker • 84 implied HN points • 29 Apr 23
💰 Finance Housing Analysis Trends Ownership
  1. Housing expenditures have not been stable over time, with renters seeing a 25% rise in relative spending over 40 years.
  2. Owner expenses in data are overstated, and assessing true housing costs involves factors like inflation, real returns, and leverage.
  3. Americans are spending more on housing, leading to real compromises and budget constraints, with a net increase in spending despite attempts to cut back on real consumption.

Peru's new leftist president at UN: Healthcare, education, housing, jobs are rights, must be guaranteed to all

Geopolitical Economy Report • 139 implied HN points • 24 Sep 21
🌍 World Politics Healthcare Education Housing
  1. Peru's President Pedro Castillo emphasizes guaranteeing healthcare, education, housing, and jobs as rights to all citizens
  2. He calls for a 'social transformation' to ensure economic and social rights are prioritized alongside civil and political rights
  3. Castillo highlights the importance of protecting the environment, addressing extreme poverty, and reducing inequality
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How to choose an apartment

Penelope Trunk's Substack • 19 implied HN points • 09 Dec 23
🏝 Travel Housing
  1. The author shares her personal struggles with managing finances and facing eviction from an expensive apartment.
  2. Despite challenges, the author maintains a sense of humor and self-awareness in dealing with the situation.
  3. The author emphasizes the importance of perspective in decision-making, reflecting on a criteria she used when choosing her apartment.

The Most Important New Disinflation Indicator

Apricitas Economics • 63 implied HN points • 15 Jul 23
💰 Finance Inflation Housing Economic Analysis Monetary Policy Labor Market
  1. The New Tenant Repeat Rent Index provides a more accurate measure of current housing market conditions and predicts future disinflation.
  2. Housing inflation is currently the main driving force behind overall inflation, with non-housing inflation remaining relatively stable.
  3. The 'speed limit' theory of inflation suggests that the growth rate of the labor market, rather than its level, is a key determinant of rent inflation and overall price stability.

Inflation Adjusted House Prices 2.4% Below Peak

CalculatedRisk Newsletter • 19 implied HN points • 05 Mar 24
💰 Finance Real Estate Inflation Affordability Indexes Housing
  1. Real house prices in the US are currently 2.4% below the recent peak, indicating a slight decline in prices adjusted for inflation.
  2. It's important to consider the price-to-rent ratio to understand the affordability of housing markets.
  3. National house prices are historically high after being 10.2% above the bubble peak level, despite the market's ups and downs over 17 years.

A Pro-Speculator Property Tax Policy from Some in Detroit City Council

The Chargeback • 19 implied HN points • 10 Oct 23
🇺🇸 U.S. Politics Policy Taxation Government Local Housing
  1. Some members of the Detroit City Council are proposing a property tax policy that could benefit outside property speculators.
  2. Eliminating all property taxes could give non-residents an advantage over Detroit residents in property ownership.
  3. Supporting property tax relief for low-income homeowners could be a better solution than empowering speculators.

A Repeat of the Housing Crisis: The Biden Administration’s Loan Level Price Adjustment

QTR’s Fringe Finance • 31 implied HN points • 03 May 23
🇺🇸 U.S. Politics Policy Government Economy Housing Financial regulation
  1. The Biden Administration proposed a Loan Level Price Adjustment that could lead to a repeat of the housing crisis.
  2. The LLPA rule would subsidize riskier borrowers while penalizing those with good credit scores and larger downpayments.
  3. The LLPA is criticized for being unconstitutional, unfair, and potentially causing macroeconomic instability.

What Affordable Housing Actually Means

The Discourse Lounge • 22 HN points • 28 Jul 23
💼 Business Housing Construction Real Estate
  1. Many people misunderstand what 'affordable housing' really means -- it's not just cheaper housing, but subsidized, rent-regulated housing.
  2. The terminology around housing has evolved over time, from 'public housing' to 'affordable housing', aiming to market the benefits to consumers.
  3. High housing costs are closely tied to high construction costs, and providing truly affordable housing requires addressing these underlying cost issues.

Progressives Declare San Francisco Unworthy of Progressivism

I Might Be Wrong • 7 implied HN points • 08 Mar 24
🇺🇸 U.S. Politics Progressivism Voting Media Crime Housing
  1. Progressives in San Francisco faced a setback when voters passed non-progressive propositions, such as strengthening the police and teaching algebra in 8th grade.
  2. San Francisco Chronicle writers criticized the progressives for their inability to address important issues like crime, housing, and education effectively.
  3. The response to the city's changes showed a lack of adaptability from some progressives, focusing more on opposition than practical solutions.

✅ Monday briefing: Media warning, housing fail, Treasury trolled, cost of living, strategic value of PR, levelling up skills, PR and management, COP out, and more...

Wadds Inc. newsletter • 19 implied HN points • 21 Nov 22
💼 Business Marketing Public Relations Media Economics Housing
  1. Big tech companies like Apple and Facebook are hurting news media by controlling what people see online. Most people don’t realize how much these companies influence the news.
  2. A recent coroner's report revealed a tragic case where a toddler died due to mold in his home, leading to serious questions about housing conditions and landlord responsibilities.
  3. Many people in public relations are struggling with the rising cost of living and are looking for raises or even second jobs to make ends meet. This shows how the financial situation really affects workers in this industry.

A New Atlantis

Model Thinking • 2 HN points • 01 Apr 24
💼 Business Housing Construction Economics Infrastructure Development
  1. Housing in Britain is currently unaffordable due to bloated planning restrictions, costing residents in terms of space, age of homes, and financial burden.
  2. The proposal to reclaim land from Dogger Bank for housing development comes with an estimated cost of £97.5bn, with potential present value benefits of £622bn, showing a promising cost-benefit ratio.
  3. The development of a new city on Dogger Bank has the potential to significantly impact economic activity, urban infrastructure, land prices, and GDP gains, making it a complex but potentially beneficial endeavor.

SROs & Boarding Houses Are More Than Hype | YIMBYtown 2024

Cornerstone • 2 HN points • 15 Mar 24
🏥 Health & Wellness Homelessness Housing Community Policy
  1. Every $100 increase in Houston's rents leads to a 9% increase in the local homeless population, highlighting the critical link between housing affordability and homelessness.
  2. Single-room occupancy apartments (SROs) are seen as a viable solution to homelessness by experts, offering a historical perspective and potential to address regulatory challenges for implementation.
  3. SROs could provide a missing piece in combatting mass homelessness by offering a land-efficient, socially diverse housing option suitable for various demographics, advocating for their integration and allowing them is crucial for progress.

Class Houses

The False Consensus Effect • 19 implied HN points • 22 Jan 21
🎭️ Culture Social Issues Family Housing Self-reflection Art
  1. The author reflects on the concept of class and wealth, highlighting the contrast between different social classes and the impact on individuals' lives.
  2. Owning and maintaining a house can symbolize various aspects of life, from struggles and financial burdens to personal identity and the pursuit of a home filled with memories.
  3. Time is viewed as true wealth, emphasizing the importance of how individuals spend and value their time, regardless of social class or material possessions.

Tuoro Land Use Institute Podcast Interview

Erdmann Housing Tracker • 0 implied HN points • 28 Feb 25
🎙 Podcasts Interviews Education Community Housing Land use
  1. The Touro Land Use Institute hosts a podcast that covers important land use topics. It's a good resource for anyone interested in how land is planned and used.
  2. Kevin Erdmann participated in a podcast interview discussing current housing and land use issues. His insights might help listeners understand the challenges in the housing market.
  3. The podcast features discussions with experts like Michael Lewyn and Jennifer Casey, providing valuable perspectives on land use in areas like Long Island. Listening can broaden your understanding of local land issues.

Why The Captured Economy Fails

nic thinks about things • 0 implied HN points • 22 May 23
💰 Finance Financial Services Intellectual Property Housing
  1. Nations fail due to extractive institutions and thrive with inclusive ones - a lesson from Why Nations Fail.
  2. The Captured Economy highlights how entities rig the economic game in their favor through rent-seeking tactics.
  3. Housing issues impact various aspects of life, from jobs to education, with solutions like land value tax and radical market reforms proposed.

Where Are Housing Prices Headed?

Spilled Coffee • 0 implied HN points • 28 Feb 24
💰 Finance Housing Real Estate Mortgage Rates Home Prices Affordability
  1. Mortgage rates are at historic highs, hovering between 7-8% and leading to all-time high home prices despite low affordability.
  2. Inventory shortage persists as people with locked-in low mortgage rates hesitate to sell, contributing to the rise in home prices.
  3. Even with rising interest rates and low affordability, US home prices show resilience with 12 consecutive years of gains, indicating a continuing strength in demand.

Housing Is Scarce Because Property Rights Are Weak

Cornerstone • 0 implied HN points • 08 Dec 23
🇺🇸 U.S. Politics Housing Property Rights Supreme Court Zoning Affordability
  1. Housing scarcity can be linked to weak property rights, like the Supreme Court decision on zoning.
  2. The Supreme Court decision in 1926 upheld single-family zoning, prioritizing certain privileges for exclusive neighborhoods.
  3. The opinion reflected class prejudice and focused on spurious arguments about traffic, still relevant in housing advocacy today.

Sitting In Traffic Is A Problem Worth Solving

Cornerstone • 0 implied HN points • 10 Aug 23
🇺🇸 U.S. Politics Transportation Housing Public Health Policy Urban planning
  1. Sitting in traffic is a significant problem that needs addressing, especially in areas like Northern Virginia.
  2. Congestion pricing could be an effective policy solution to address traffic congestion by pricing the externality of time wasted in traffic.
  3. Dependency on cars for transportation poses risks like accidents and contributes to a sedentary lifestyle, emphasizing the need for better transit options.