For more than a decade, policymakers, researchers, and industry stakeholders have focused on addressing a persistent shortage of housing in the United States. However, changing demographic and market conditions suggest that the housing landscape may look markedly different in the years ahead. This is according to a new white paper released by the Mortgage Bankers Association (MBA) examining recent and emerging shifts in U.S. housing demand and supply.
Tag: Edward Seiler
Chart of the Week: Homeownership by Country
In a forthcoming MBA White Paper, “Implications of a Persistent Slowing in Housing Demand,” MBA’s Research and Economics team examines, among other topics, homeownership rates in the United States by age and by race and ethnicity. The overall homeownership rate stood at 65.3% in the first quarter of 2026, according to the U.S. Census Bureau.
Chart of the Week: Selected Indexes of Housing Costs
The elevated cost burden of purchasing a new home since interest rates rose precipitously in 2022, has continued through mid-2025.
RIHA Releases Collection of Essays on Impact of Climate Change on Real Estate Finance
The Mortgage Bankers Association’s Research Institute for Housing America published a new collection of essays addressing the impacts of climate change on the real estate finance industry.
MBA Chart of the Week Oct. 13, 2022: 2021 Housing Stock
At the end of September, HUD and the Census Bureau released 2021 American Housing Survey summary table estimates in the AHS Table Creator and 2021 AHS National and Metro Public Use File microdata. The AHS, last updated with 2019 data, is the “most comprehensive national housing survey in the United States,” and provides information about the quality and cost of housing, including data on “the physical condition of homes and neighborhoods, the costs of financing and maintaining homes, and the characteristics of people who live in these homes.”
MBA Chart of the Week: Rent Growth–Year-over-Year Percentage Change
This week’s MBA Chart of the Week highlights a question related to housing costs and inflation: If home price appreciation and rent growth have been in double digits in the past few quarters—as highlighted by the (blue lined) Zillow Observed Rent Index in the chart—why is the shelter component (orange line) of the Consumer Price Index below 6%?
Who Owns Climate Risk? MBA White Paper Examines Challenges, Risks for U.S. Real Estate
The Mortgage Bankers Association this week issued a white paper examining how climate change is dramatically reshaping lenders’ and policymakers’ approaches to the U.S. real estate market.
RIHA: More Renters, Fewer Homeowners Missed Housing Payments in September, October
Renters were three times more likely than homeowners to miss payments during September and October, according to updated research released Tuesday by the Mortgage Bankers Association’s Research Institute for Housing America.
MBA RIHA: Fewer Households Missed Housing Payments in Second Quarter
Slightly under five million households did not make their rent or mortgage payments in the second quarter, updated research from the Mortgage Bankers Association’s Research Institute for Housing America reported.
MBA Chart of the Week: Renters/Mortgagors & Missed Payments
The Research Institute for Housing America, MBA’s think tank, released updated first-quarter results that allow us to assess how renters, mortgagors and student loan borrowers fared over the first 12 months of the COVID-19 pandemic.