As home prices continue to climb across the United States, housing affordability remains a critical concern for both prospective buyers and policymakers.

Over the past decade, persistent price growth—driven by limited supply, strong demand, and rising construction costs—has reshaped access to homeownership nationwide. Recent data from the National Association of Realtors shows that while inventory has improved modestly, middle-income households still face significant gaps in affordability. As of early 2025, buyers earning around $75,000 annually could afford just 21% of listings—less than half the share available to them before the pandemic.

These conditions highlight the ongoing pressure to expand the supply of affordable homes. This analysis from Construction Coverage —a publicati

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