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date: 28 September 2020

Summary and Keywords

Federal housing policy has been primarily devoted to maintaining the economic stability and profitability of the private sector real estate, household finance, and home-building and supply industries since the administration of President Franklin D. Roosevelt (1933–1945). Until the 1970s, federal policy encouraged speculative residential development in suburban areas and extended segregation by race and class. The National Association of Home Builders, the National Association of Realtors, and other allied organizations strenuously opposed federal programs seeking to assist low- and middle-income households and the homeless by forcing recalcitrant suburbs to permit the construction of open-access, affordable dwellings and encouraging the rehabilitation of urban housing. During the 1980s, President Ronald Reagan, a Republican from California, argued it was the government, not the private sector, that was responsible for the gross inequities in social and economic indicators between residents of city, inner ring, and outlying suburban communities. The civic, religious, consumer, labor, and other community-based organizations that tried to mitigate the adverse effects of the “Reagan Revolution” on the affordable housing market lacked a single coherent view or voice. Since that time, housing has become increasingly unaffordable in many metropolitan areas, and segregation by race, income, and ethnicity is on the rise once again. If the home mortgage crisis that began in 2007 is any indication, housing will continue to be a divisive political, economic, and social issue in the foreseeable future.

The national housing goal of a “decent home in a suitable living environment for every American family” not only has yet to be realized, but many law makers now favor eliminating or further restricting federal commitment to its realization.

Keywords: federal housing policy, public housing, homeownership, fair housing, New Deal, Great Society

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