Housing

Housing remains one of Americans’ top economic concerns, with government policies and market conditions directly affecting whether families can find affordable shelter. The 2026 housing market shows signs of improvement after years of affordability challenges, with home affordability gradually improving despite persistent concerns about housing costs.

Buying a Home and Understanding Mortgages

Mortgage rates around 6% and modest home price growth are creating more purchasing power than in recent years. Government-backed mortgage giants Fannie Mae and Freddie Mac ensure that mortgages remain accessible to millions of Americans, while tax benefits like the mortgage interest deduction help offset homeownership costs.

Renting and Tenant Protections

DOJ enforcement actions like the RealPage settlement are reshaping how rental markets operate, while proposed legislation to regulate large investor purchases of housing aims to increase supply for renters and first-time buyers. Active-duty service members have special legal protections under the Servicemembers Civil Relief Act.

Government Assistance and Housing Policy

HUD offers various housing assistance programs, and HUD building inspectors ensure housing quality standards are met. Policymakers debate responses like declaring a national housing emergency.