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The Affordability of Housing
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30 percent adjustable rate mortgage adjustment affordability crisis age distribution age group areas Association of Realtors average baby boom Bakersfield buyer Cal-First program California economy California housing market capital cost cash flow changes CHFA coastal metropolitan conventional mortgage cost of housing creative financing decade demand for housing demographic demand deposit Dollars effect estimates Federal Home Loan first-time homebuyers graduated payment graduated payment mortgage Home Loan Bank homeowner hous house prices household formation household headship rates housing construction housing costs housing demand housing in California housing production housing starts housing stock housing units impact increase interest rate land costs lenders ment million mortgage loan mortgage revenue bond nearly negative amortization Number of Households policies population primary individual households property taxes Proposition 13 ratio reduce regulations rent control rental housing renter resale rise San Francisco Santa shortage shows Source substantial substitution effect Table Tax Revenues tenants tion trend Urban Economics