Why There Are No Affordable Homes: Difference between revisions
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=Affordability Issues= | |||
Affordability is a matter of perspective. Are people dying from not having a house? Not really. But they may be paying more or live in poor conditions. | |||
How many people in the USA live in substandard housing? Apparently 6 million. [https://www.google.com/search?sxsrf=ALeKk00dQhG7FunOQM7RXavKtrAna2B6Tw:1603318037666&q=How+many+people+in+the+US+live+in+substandard+housing&spell=1&sa=X&ved=2ahUKEwio9-KQ2cbsAhWDXM0KHRI7BXwQBSgAegQIFxAp&cshid=1603318282507463&biw=2133&bih=1013] | |||
=Data= | |||
First, are there affordable homes? | |||
First, there are plenty of $100-150k homes on Zillow: about 100k+. Buy maybe not in desirable locations? [https://www.zillow.com/ca/houses/?searchQueryState=%7B%22mapBounds%22%3A%7B%22west%22%3A-132.16065190625%2C%22east%22%3A-106.45264409375%2C%22south%22%3A30.34056957913899%2C%22north%22%3A43.88674694702474%7D%2C%22isMapVisible%22%3Atrue%2C%22filterState%22%3A%7B%22price%22%3A%7B%22min%22%3A50000%2C%22max%22%3A150000%7D%2C%22mp%22%3A%7B%22min%22%3A170%2C%22max%22%3A510%7D%2C%22sort%22%3A%7B%22value%22%3A%22globalrelevanceex%22%7D%2C%22ah%22%3A%7B%22value%22%3Atrue%7D%2C%22con%22%3A%7B%22value%22%3Afalse%7D%2C%22mf%22%3A%7B%22value%22%3Afalse%7D%2C%22manu%22%3A%7B%22value%22%3Afalse%7D%2C%22land%22%3A%7B%22value%22%3Afalse%7D%2C%22tow%22%3A%7B%22value%22%3Afalse%7D%2C%22apa%22%3A%7B%22value%22%3Afalse%7D%7D%2C%22isListVisible%22%3Atrue%2C%22mapZoom%22%3A6%2C%22usersSearchTerm%22%3A%22California%22%2C%22regionSelection%22%3A%5B%7B%22regionId%22%3A9%2C%22regionType%22%3A2%7D%5D%2C%22schoolId%22%3Anull%7D] | |||
So what is the housing shortage of 5 million homes all about? [https://www.cnbc.com/2020/01/21/housing-market-falling-short-by-nearly-4-million-homes-as-demand-grows.html] It is that more people want to buy homes than there are homes. So that means people either rent (from places that are typically owned by a large group, and thus the conflict of intrest (profit over affordability) leads to unreasonably high payments (see [[Rentier Capitalism]] / [[Rent-Seeking]] )) ), or go into less favored options. | |||
=Links= | =Links= | ||
*Authoritative book - [https://www.independent.org/store/book.asp?id=76&gclid=Cj0KCQjwuL_8BRCXARIsAGiC51BiP5WKTKkkZxpv2arjL5QY8GEh7bYn7-f1XvLLcvuW6doRWFdrt3waAmG-EALw_wcB]. So then: is policy the way to go for regenerative solutions at scale, or is it done through entrepreneurship, where clever entrepreneurship solves all business problems, which include policy deficits? | *Authoritative book - [https://www.independent.org/store/book.asp?id=76&gclid=Cj0KCQjwuL_8BRCXARIsAGiC51BiP5WKTKkkZxpv2arjL5QY8GEh7bYn7-f1XvLLcvuW6doRWFdrt3waAmG-EALw_wcB]. So then: is policy the way to go for regenerative solutions at scale, or is it done through entrepreneurship, where clever entrepreneurship solves all business problems, which include policy deficits? The grand debate: enterprise or policy? | ||
*[[Housing Without Debt]] | *[[Housing Without Debt]]. Critique: | ||
**In the USA, land is much cheaper than in the UK, so the gravity of the issue is less. | |||
**Still, that doesn't solve house affordability. | |||
**Construction: what if people developed the land that they live on? That's a great idea, but the reality is that very few people want to or can build their own home, according to OSE data. From the OSE workshops that people attended - zero built the Seed Home 1 so far. | |||
**Thus, we need to '''solve for an assisted construction model'''. 25% of overall population builds their own home. We can bring that up to much higher, with lower costs. To get there, we will need to provide the general contracting as well. | |||
*[[Seed Home 2 Operations]] | |||
Latest revision as of 22:27, 21 October 2020
Affordability Issues
Affordability is a matter of perspective. Are people dying from not having a house? Not really. But they may be paying more or live in poor conditions.
How many people in the USA live in substandard housing? Apparently 6 million. [1]
Data
First, are there affordable homes?
First, there are plenty of $100-150k homes on Zillow: about 100k+. Buy maybe not in desirable locations? [2]
So what is the housing shortage of 5 million homes all about? [3] It is that more people want to buy homes than there are homes. So that means people either rent (from places that are typically owned by a large group, and thus the conflict of intrest (profit over affordability) leads to unreasonably high payments (see Rentier Capitalism / Rent-Seeking )) ), or go into less favored options.
Links
- Authoritative book - [4]. So then: is policy the way to go for regenerative solutions at scale, or is it done through entrepreneurship, where clever entrepreneurship solves all business problems, which include policy deficits? The grand debate: enterprise or policy?
- Housing Without Debt. Critique:
- In the USA, land is much cheaper than in the UK, so the gravity of the issue is less.
- Still, that doesn't solve house affordability.
- Construction: what if people developed the land that they live on? That's a great idea, but the reality is that very few people want to or can build their own home, according to OSE data. From the OSE workshops that people attended - zero built the Seed Home 1 so far.
- Thus, we need to solve for an assisted construction model. 25% of overall population builds their own home. We can bring that up to much higher, with lower costs. To get there, we will need to provide the general contracting as well.
- Seed Home 2 Operations