Housing Tenure Research Articles

Community banks' capital requirements and regional housing tenure

AbstractBank capital requirements aim at reducing the likelihood of banks' failure. However, these policies may generate externalities on the overall economy. By investigating the pathways from capital requirements to housing tenure using structural equation modelling, we show that community banks' capital requirements increase the gap between the regional real estate loans‐based and non‐real estate loans‐based housing purchase rate and act as driving factors of housing market imbalance. The drop in residential real estate loans caused by the increase in capital requirements has two opposite effects: the direct effect motivates residents to rent properties, while the indirect effect motivates residents to purchase them due to the fall in housing prices. When both effects exist in housing purchases with real estate loans, the former effect is more influential than the latter one. Our findings suggest that the impact of capital requirements on housing tenure will depend on residents' reliance on real estate loans. If a housing purchase requires real estate loans, capital requirements will have a negative impact on the housing purchase, and vice versa.

Geographic and Sociodemographic Variations in Prevalence of Mental Health Symptoms Among US Youths, 2022.

Objectives. To assess geographic and sociodemographic variations in prevalence of mental health symptoms among US youths. Methods. We analyzed data from the Household Pulse Survey, phases 3.5 and 3.6, between June 1 and November 14, 2022. The sample included 103 296 households with an estimated 190 017 youths younger than 18 years. We defined mental health symptoms based on parental responses and estimated prevalence by state and subgroups, including race/ethnicity, parental education, household income, housing tenure, household food sufficiency, and health insurance coverage. All analyses incorporated sampling weight. Results. An estimated 34.5% (95% confidence interval [CI] = 33.7%, 35.3%) of youths had parent-reported mental health symptoms. The prevalence of symptoms varied across states, ranging from 27.9% (95% CI = 23.8%, 32.0%) in Florida to 46.4% (95% CI = 41.9%, 50.9%) in New Hampshire. We observed variations by subgroup, with youths in households that did not pay rent reporting a prevalence of 43.8% (95% CI = 39.3%, 48.4%) and those experiencing food insufficiency reporting a prevalence of 56.0% (95% CI = 50.9%, 61.2%). Conclusions. There is an urgent need for attention to mental health challenges among youths, taking into account geographic and sociodemographic variations. (Am J Public Health. 2023;113(10):1116-1119. https://doi.org/10.2105/AJPH.2023.307355).

The Influence of Non-Spousal Owned Housing on Marital Power and Marital Satisfaction: Gender Differences in Taiwan

This study discusses the role of housing in marital life within the context of the patriarchal norms of Taiwan and analyzes the effect of housing tenure on marital power, as well as gender-specific housing expectations in terms of marital satisfaction. It is found that, in addition to directly affecting marital power, housing tenure not only can moderate the relationships between family structure and marital power and between marital power and marital satisfaction, but also marital satisfaction through the mediating effect of marital power. The gender specific effect of housing tenure cannot be completely explained by the resource theory; hence, gender roles and changing gender consciousness must be considered in modifications of this theory. For women, housing tenure is strongly associated with family structure and marital power, and may even change the direct effect of family structure on marital power, which explains for their preference for housing within the context of patrilocal cohabitation. The study also identifies gender specific housing expectations in terms of marital satisfaction, which may be due to the fact that husbands try to strengthen their gender and class and wives realize their preference for equal rights through housing tenure. These findings provide insights into the role of housing tenure in marital life, thus informing the formulation of housing policy.

자가소유와 주택담보대출이 가구 소비성향에 미치는 영향

Households, who buy a house, would initially spend less because some equity investment is inevitable. They, however, get to be better off later in terms of household consumption than renters once they enter the stage of paying off the mortgage debt regularly because the uncertainty on how much they save for housing purchase in the future is eliminated. The purpose of this study is twofold: (1) to explore the impact of propensity to own a home on household’s propensity to consume, and (2) to test whether or not the amount of mortgage payment has a crowd-out effect on the propensity to consume. As for the empirical analysis, this study employed the two-step estimation methodolgy to address the potential reverse causality and sample selection bias in the relationship of housing tenure choice with propensity to consume, and in the linkage of mortgage payment with propensity to consume, respectively. This study provides evidence that those effects are significant, and they are greater for lower-income households. These findings justify the differentiated policy tools by income in devising and executing micro- and macro-prudential measures.

Homeownership rates, housing policies, and co-residence decisions

Abstract Homeownership rates differ widely across European countries. We document that part of this variation is driven by differences in the fraction of adults co-residing with their parents. Comparing Germany and Italy, we show that in contrast to homeownership rates per household, homeownership rates per individual are very similar during the first part of the life cycle. To understand these patterns, we build an overlapping-generations model where individuals face uninsurable income risk and make consumption-saving and housing tenure decisions. We embed an explicit intergenerational link between children and parents to capture the three-way trade-off between owning, renting, and co-residing. Calibrating the model to Germany we explore the role of income profiles, housing policies, and the taste for independence and show that a combination of these factors goes a long way in explaining the differential life-cycle patterns of living arrangements between the two countries.

Parental homeownership and education: the implications for offspring wealth inequality in Great Britain

Abstract The rapid widening of wealth inequalities has led to sharp differences in living standards in Great Britain. Understanding whether and separately the rate at which individuals accumulate particular types of wealth by family background is important for improving wealth and social mobility. We show offspring wealth inequality is driven by housing wealth, and holding such wealth is becoming increasingly associated with early life circumstances relating to parental housing tenure and education, even after controlling for adult offspring’s own characteristics. Importantly, we find adult offspring whose parents hold a degree and are homeowners are no less likely to report homeownership and housing wealth compared to older cohorts from the same background. Our findings infer the intergenerational rank correlation in housing wealth is set to double in approximately three decades.

Optimal income taxation: An urban economics perspective

We derive an optimal labor income tax rate formula for urban models that nests the Mirrlees model as a limiting case. Optimal tax rates are determined by traditional forces plus a new term arising from urban forces: house price, migration and agglomeration effects. Based on the earnings distribution, housing costs and housing tenure in large and small US cities, we find that in a benchmark model (i) the optimal income tax rate schedule is U-shaped, (ii) urban forces raise the optimal tax rate schedule at all income levels and (iii) adopting an optimal tax system induces agents with low skill levels to leave large, productive cities.

How Does the Health Literacy of Adults Residing in Social Housing Compare with That of Those Living in Other Housing Tenures in Australia? A Secondary Analysis of the Australian National Health Survey 2017-2018 Dataset.

Social housing tenants have poorer health outcomes than homeowners or those renting privately. Health literacy is associated with access to care and health outcomes. This study aimed to examine the health literacy of Australian adults residing in social housing compared with that of people living in other housing types. A secondary analysis of the Australian National Health Survey 2017-2018 dataset was undertaken. A total of 5275 respondents were included in the sample and completed the Health Literacy Questionnaire (HLQ). Respondents were categorised according to their housing tenure: 163 (3.1%) respondents were living in social housing, 873 (17%) were living in private rentals, 2085 (40%) were homeowners, and 2154 (41%) were homeowners/mortgages. Mean scores were calculated for each of the nine health literacy domains in the HLQ and compared across housing tenure using linear regression models. Social housing tenants had lower mean domain scores than either homeowners, owner mortgagees, or private renters on six of the nine health literacy domains. This included 'having sufficient information to manage my health', 'social support for health', 'ability to engage with healthcare providers', 'navigating the healthcare system' 'ability to find good health information', and being able to 'understand health information enough to know what to do'. However, the differences in mean scores were small. Increasing health literacy may be an important part of multicomponent interventions seeking to improve the health and wellbeing of social housing tenants.

Holding Onto the Past: Previous Homes, Post-Move Housing Consumption, and the Great Recession

We document that households relocated during the 2007-2009 Great Recession and its aftermath were substantially more likely to hold their previous homes for an extended period of time. We identify two contributing factors to this phenomenon. First, falling house prices pushed many homes into the “negative-equity” and “near-negative-equity” territories, and this made it challenging for owners to sell their homes. Second, we also show that falling home values had a more widespread effect that made all homeowners, regardless of their equity positions, more reluctant to sell. Additionally, we find households without mortgages are more likely to hold previous homes. Overall, we show the relationship between the loan-to-value (LTV) ratio and the likelihood of holding is U-shaped. We further examine the impact of holding previous homes on post-move housing tenure and housing consumption choices. We find that holding previous homes is associated with renting for a longer period. For households that bought new homes after relocation, holding previous homes is associated with the new residences that are less expensive and smaller. Our results suggest that, for households that moved during the housing bust, the Great Recession has a long-lasting effect on their housing consumption choices.

Disparities in joint exposure to environmental and social stressors in urban households in Greater Boston

ObjectivesUnderstanding how environmental and social stressors cluster is critical to explaining and addressing health disparities. It remains unclear how these stressors cluster at fine spatial resolution in low to medium-income, urban households. We explored patterns of environmental and social exposures at the household-level and potential predictors of these joint exposures in two environmental justice communities in the Greater Boston area. MethodsWe recruited 150 households in Chelsea, MA and the Dorchester neighborhood of Boston, MA, between 2016 and 2019 and collected data on two domains: environmental and social stressor. For each domain, we fit Latent Class Analysis (LCA) models to exposure data to assess intra-domain variability, and cross-classified the resultant classes to identify joint exposure profiles. We compared differences in the distribution of these profiles by participants' demographic and household characteristics using χ2, Fisher's exact, Analysis of Variance, and Kruskal-Wallis tests. ResultsWe identified two latent classes in each domain: High environmental (n = 90; 60.4%), Low environmental (n = 59; 39.6%), High Social (n = 31; 20.8%), and Low Social (n = 118; 79.2%). Cross-classification yielded four joint exposure profiles: Both Low (n = 46, 30.9%); Both High (n = 18, 12.1%); High environmental-Low Social (n = 72, 48.3%); and Low environmental-High Social (n = 13, 8.7%). Significant group differences were found by housing type (e.g., single-family vs. multi-family) (Fisher's exact p = 0.0016), housing tenure (p = 0.0007), and study site (p < 0.0001). We also observed differences by race/ethnicity, income, and education: households that were Hispanic/Latinx, below the poverty level, and with lower education were more likely to be in the Both High group. ConclusionsOur analyses confirmed that environmental and social stressors cluster in socially disadvantaged households. Housing type, housing tenure, and location of the residence were also strong predictors of cluster membership, with renter and multi-family residents at risk of high exposures to environmental and social stressors.

Identifying Neighborhoods with Cervical Cancer Disparities for Targeted Community Outreach and Engagement by an NCI-Designated Cancer Center: A Geospatial Approach.

Cervical cancer disparities exist in the United States with the highest incidence in Hispanic women and the highest mortality in Black women. Effective control of cervical cancer in the population requires targeted interventions tailored to community composition in terms of race, ethnicity, and social determinants of health (SDOH). Using cancer registry and SDOH data, geospatial hot spot analyses were carried out to identify statistically significant neighborhood clusters with high numbers of cervical cancer cases within the catchment area of an NCI-Designated Cancer Center. The locations, racial and ethnic composition, and SDOH resources of these hot spots were used by the center's community outreach and engagement office to deploy mobile screening units (MSU) for intervention in communities with women facing heightened risk for cervical cancer. Neighborhood hot spots with high numbers of cervical cancer cases in south Florida largely overlap with locations of poverty. Cervical cancer hot spots are associated with a high percentage of Hispanic cases and low SDOH status, including low income, housing tenure, and education attainment. A geospatially referenced cancer surveillance platform integrating cancer registry, SDOH, and cervical screening data can effectively identify targets for cervical cancer intervention in neighborhoods experiencing disparities. Guided with a data-driven surveillance system, MSUs proactively bringing prevention education and cervical screening to communities with more unscreened, at-risk women are an effective means for addressing disparities associated with cervical cancer control.

Intermediary housing tenures in Sweden: Developers’ response to inaccessible housing markets and its implications for tenant-buyers

Intermediary housing tenures in Sweden: Developers’ response to inaccessible housing markets and its implications for tenant-buyers

Developing SEP65: A Census-Derived Index of Socio-Economic Position Specifically for the Older Population in Aotearoa New Zealand

BackgroundGlobally, societies are ageing as life expectancy increases and fertility rates decline. Many studies exploring associations between socioeconomic position (SEP) and health outcomes among the older population use conventional working-age measures of SEP (education, occupation, and income) or an area-based deprivation index.MethodsMicrodata from the 2013 New Zealand Census was used to create a new measure of socioeconomic position specifically for the population aged ≥65 years (SEP65), using information about housing tenure, wealth, and receiving government benefits. We dichotomised variables representing income, assets, and housing tenure to apportion 489,264 older people in our analytic sample into low, medium and high levels of SEP. A multivariable logistic regression was used to investigate the relationship between smoking and SEP65, controlling for age, sex, ethnicity and area-level deprivation.ResultsWe report inequities between European, Māori and Pacific populations, which increase with age. We found an inverse relationship between the odds of smoking and levels of SEP65. Moreover, we further validated the SEP65 measure against the New Zealand Index of Deprivation (NZDep2013).At the third SPINE20 summit 2022 which took place in Bali, Indonesia, in August 2022, 17 associations endorsed its recommendations.ConclusionUsing an age-specific measure of SEP for the older population will aid policymakers in the appropriate allocation of resources according to need more effectively than working-age indicators.

Uneven vulnerability: characterizing population composition and change in the low elevation coastal zone in the United States with a climate justice lens, 1990–2020

Fine scale data collection on vulnerability metrics is necessary for just policy outcomes. Those most likely to be disproportionately affected by specific climate risks should be identified early so that the needs of vulnerable communities (especially historically marginalized communities) can be addressed and mitigated in accordance with climate justice principles. While there is a growing body of event-specific and place-based studies, systematic studies on coastal populations at risk have typically not applied equity principles and have often ignored attributes such as race and ethnic composition, age structure, urban/rural classification, and housing tenure. Additionally, assumptions about future population trends depend on understanding past spatial patterns of change, as well as demographic and socioeconomic characteristics of the populations at risk, especially considering increasing coastal hazards. Yet, with few exceptions, research on coastal vulnerability has not analyzed changes in exposure over time and has not systematically addressed implications for communities of color over time. This paper seeks to fill these gaps. In this paper, using an equity lens and spatial demographic methods with the finest-resolution data available (census blocks), we estimate the extent of exposure and population change from 1990 to 2020 in the low elevation coastal zone in the continental United States. We find that the population of the LECZ has increased during this period, primarily by the growth of the urban population which has risen from about 22 million to 31 million persons. From 2000 to 2020, the urban population consistently grew at higher rates inside the LECZ than outside of it, reversing the pattern from the decade prior. We also examine changes in the population by race and Hispanic origin, urban and rural status, and a set of more expansive vulnerability themes. Our estimates, tabulated by counties and states, reveal the concentration and characteristics of exposure and changes to it over the past 30 years. Key findings include: residents of the LECZ are much older than average; Black residents are overrepresented in renter-occupied housing units in the urban LECZ; and from 2000 to 2020, Hispanic population growth was much higher in urban LECZ areas than urban areas elsewhere. These systematic insights into the demographic attributes of the populations most at risk of sea-level rise and associated coastal hazards can be used to ensure adaptation, mitigation, and disaster-related policies are tailored to the specific needs of these communities and actors at local, regional, and national scales. It also showcases how spatial methods can be used to understand demographic change and be put in place for future estimates of population in non-traditional units (e.g., coastal zones or other environmentally-vulnerable areas).

‘Housing’ as Christian Social Practice in African Cities: Centering the Urban Majority Theologically

Decent, affordable housing and secure housing tenure remain elusive for Africa’s urban majority. The urban majority is expected to live in self-help housing, reflected in the fact that 62% of African urban dwellers live in urban informal settlements. The inability to access safe, decent, and secure housing, and the reality that Africa’s urban majority is perpetually precarious, have a severe impact on Africa’s urban households and the well-being of individuals, families, and neighborhoods. This article articulates housing as a critical and urgent Christian social practice in African cities—an extension of the church’s pastoral and missional concern. It considers housing both as a product and a process: people need housing to live secure lives; yet, the process of housing is as critical as the outcome. It then proposes housing, as a Christian social practice, being engaged in (i) supporting precarious households; (ii) preventing homelessness; (iii) creating housing; (iv) supporting rights-based land and housing movements; and (v) centering housing pastorally–liturgically. The article grounds itself in Jean-Marc Ela’s insistence on God’s presence ‘in the hut of a mother whose granary is empty’ and in Letty Russell’s ‘household of freedom’.

Contrasting socio-economic influences on colorectal cancer incidence and survival in England and Wales

Colorectal cancer (CRC) is the third most commonly diagnosed cancer in the world and second most common cause of cancer death. The relationship between socio-economic deprivation and CRC incidence is unclear and previous findings have been inconsistent. There is stronger evidence of an association between area-level deprivation and CRC survival; however, few studies have investigated the association between individual-level socio-economic status (SES) and CRC survival.Data from the Office for National Statistics Longitudinal Study (LS) in England and Wales was used. LS members aged 50+ were stratified by individual-level educational attainment, social class, housing tenure and area deprivation quintile, measured at the 2001 Census. Time-to-event analysis examined associations between indicators of SES and CRC incidence and survival (all-cause and CRC death), over a 15-year follow-up period.Among 178116 LS members, incidence of CRC was lower among those with a degree, compared to those with no degree and higher among those employed in manual occupations compared to non-manual occupations. No clear relationship was observed between CRC incidence and the area-based measure of deprivation.Disparities were greater for survival. Among 5016 patients diagnosed with CRC aged 50+, probability of death from all-causes was lower among those with a degree, compared to no degree and higher among those employed in manual occupations, compared to non-manual occupations and among those living in social-rented housing, compared to owner-occupiers. Individual indicators of SES were also associated with probability of death from CRC. Those living in the most deprived areas had a higher probability of death (from all-causes and CRC) compared to those in the least deprived areas.Both individual and area-based indicators of SES were associated with CRC survival, and the relationships were stronger than those observed for CRC incidence. These findings could help inform more effective targeting of public health interventions for CRC.

A regularização fundiária como instrumento de efetividade do direito à moradia e do desenvolvimento econômico e social

The right to worthy housing. Scope of the right to worthy housing. Housing and human dignity. Housing to meet the postulates of the dignity of the person must be a dignified dwelling. The right to worthy housing and land tenure regularization. Land tenure regularization is an instrument of economic and social development. Land tenure regularization instruments. Usucapion as the most traditional instrument of land tenure regularization. Collective land tenure regularization instruments. Urban land tenure regularization – Reurb. land tenure regularization in state lands. Land tenure regularization programs in the State of São Paulo.

Rainbow renters: differences in housing tenure and satisfaction between LGBTIQ and non-LGBTIQ Australians

ABSTRACT Lesbian, gay, bisexual, transgender, intersex, and queer (LGBTIQ) people’s housing experiences are under-explored in Australia. Previous Australian and international research in social geography and housing studies suggests that this group experiences a range of barriers to secure and affordable housing, confirming the need for further insight in the Australian context. This article examines LGBTIQ housing tenure and satisfaction, drawing on data from two Australian surveys. Our analyses of nationally representative data from the Housing, Income and Labour Dynamics Australia (HILDA) survey, and state-specific data from The Tasmania Project, identify significant differences in housing tenure, and housing satisfaction between LGBTIQ and non-LGBTIQ Australians. We find LGBTIQ Australians are more likely than non-LGBTIQ to rent their homes and less satisfied with their housing overall. We also identify novel differences in housing patterns within LGBTIQ communities. The experiences and needs of LGBTIQ people must be considered for housing policy and services, as well as efforts to address housing stress and homelessness in Australian cities.

Disaster Preparedness and Housing Tenure: How Do Subsidized Renters Fare?

Homeowners are significantly more prepared for disasters than renters. However, disaster preparedness among subsidized renters is an understudied topic despite their increased vulnerability to negative disaster outcomes. Previous research shows that one in three subsidized units is at risk for exposure to disasters, relative to one in four unsubsidized rental units and one in seven owner-occupied units. Subsidized housing residents often fall into many vulnerable statuses that would make them less prepared than renters and owners. Using 2017 American Housing Survey data, we examine differences in household disaster preparedness by housing tenure, with and without controls for such factors. Logistic regression analyses indicate that subsidized renters are significantly less prepared than unsubsidized renters, and both renter types are significantly less prepared than homeowners, controlling for demographic and neighborhood characteristics. The policy implications of this research are considered as they relate to the location and management of subsidized housing in an era of climate change.

주거여건이 삶의 만족도에 미치는 영향

This study examined the effects of housing characteristics on life satisfaction across different age groups. Prior research has primarily focused on specific population groups (elderly, disabled, single-person households, etc.) or a handful of housing characteristics. These studies do not account for differences in the effects of housing characteristics on life satisfaction. Thus, the purpose of this study is to examine the effects of three housing characteristics on life satisfaction across age groups: housing tenure, housing quality, and housing affordability.&#x0D; This study found that only housing quality influences life satisfaction among young adults, whereas both housing quality and tenure affect life satisfaction among middle-aged individuals. In addition to housing quality and tenure, housing affordability also affects the life satisfaction of the elderly. These results indicate that the importance of housing increases with age and suggest that age-appropriate housing policies should be implemented. Particularly, because housing tenure affects the life satisfaction of middle-aged individuals, it is necessary to assist them in purchasing a house. In addition, because housing affordability affects the life satisfaction of the elderly, support is required to alleviate their housing cost burden. Finally, the quality of housing is important to the life satisfaction of individuals of all ages. Efforts should therefore be made to improve the quality of housing by enhancing housing and implementing minimum housing standards.