{"id":56517,"date":"2017-01-31T06:26:50","date_gmt":"2017-01-31T14:26:50","guid":{"rendered":"https:\/\/redfindevelop.wpengine.com\/blog\/?p=56517"},"modified":"2020-10-06T12:58:38","modified_gmt":"2020-10-06T19:58:38","slug":"mapping-fha-loans-housing-affordability","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/news\/mapping-fha-loans-housing-affordability\/","title":{"rendered":"Mapping FHA Loans Shows Where Cities Need More Housing"},"content":{"rendered":"<p><span style=\"font-weight: 800\">In the hottest job markets, federal loan programs aren\u2019t helping people land homes in the areas that are closest to the best jobs. <\/span><\/p>\n<p><span style=\"font-weight: 400\">Federal Housing Authority (FHA) borrowers are often working-class first-time homebuyers. In hot job markets, the supply of affordable homes close to work is so limited that FHA homebuyers chase affordability into neighborhoods that are far from their jobs. Mapping the parts of booming cities that have the fewest FHA borrowers can show city planners and homebuilders where to target new home construction.<\/span><\/p>\n<p><span style=\"font-weight: 400\">One example of a hot job market is Seattle. In the city of Seattle, data from the <\/span><a href=\"https:\/\/cfpb.github.io\/api\/hmda\/\"><span style=\"font-weight: 400\">Home Mortgage Disclosure Act<\/span><\/a><span style=\"font-weight: 400\"> (HMDA) reveals that FHA loans made up just 5 percent of all home loans last year, compared to 22 percent nationwide, or even 19 percent in Seattle suburbs like Mill Creek that are more than an hour away by bus. <\/span><\/p>\n<figure id=\"media-56519\" class=\"align-none\"><img decoding=\"async\" src=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2017\/01\/fha_sea.png\" alt=\"Figure: FHA loan share in the Seattle area (left), Opportunity Score in the Seattle area (right)\" \/><figcaption>Figure: FHA loan share in the Seattle area (left), <a href=\"https:\/\/redfin.com\/blog\/2016\/06\/introducing-opportunity-score.html\"><i><span style=\"font-weight: 400\">Opportunity Score<\/span><\/i><\/a> in the Seattle area (right)<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400\">This means that people who depend on FHA loans are trading ownership for opportunity, missing out on proximity to jobs. And it\u2019s not just Seattle. The pattern holds in other booming cities. Families in Washington, D.C. that depend on FHA loans are overwhelmingly settling in the areas with the longest commutes.<\/span><\/p>\n<figure id=\"media-56518\" class=\"align-none\"><img decoding=\"async\" src=\"https:\/\/www.redfin.com\/news\/wp-content\/uploads\/2017\/01\/fha_dc.png\" alt=\"Figure: FHA loan share in the Washington, D.C. area (left), workers with a commute longer than one hour in the Washington, D.C. area (right)\" \/><figcaption>Figure: FHA loan share in the Washington, D.C. area (left), workers with a commute longer than one hour in the Washington, D.C. area (right)<\/figcaption><\/figure>\n<figure id=\"media-56519\" class=\"align-none\"><span style=\"font-weight: 400\">The problem is a demand for homes that\u2019s far stronger than the housing supply in the locations that have the best job opportunities.\u00a0<\/span><\/figure>\n<figure class=\"align-none\"><span style=\"font-weight: 400\">The solution is to build more homes close to jobs, and this means updating local zoning laws so builders are encouraged to make more housing right where it&#8217;s needed the most. This is a slow process because supply moves slower than demand in the housing market. The good news is that builders are already responding in some cities, and <\/span><a href=\"http:\/\/cityobservatory.org\/housing-supply-is-catching-up-to-demand\/\"><span style=\"font-weight: 400\">housing supply is starting to catch up to demand<\/span><\/a><span style=\"font-weight: 400\"> in some of the hottest job markets in the country.<\/span><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>In the hottest job markets, federal loan programs aren\u2019t helping people land homes in the areas that are closest to the best jobs. Federal Housing Authority (FHA) borrowers are often working-class first-time homebuyers. In hot job markets, the supply of affordable homes close to work is so limited that FHA homebuyers chase affordability into neighborhoods [&hellip;]<\/p>\n","protected":false},"author":13194,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[27,8],"tags":[32],"coauthors":[],"class_list":["post-56517","post","type-post","status-publish","format-standard","hentry","category-affordability","category-housing-market-news","tag-housing-market-tracker"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mapping FHA loans exposes housing affordability crunch<\/title>\n<meta name=\"description\" content=\"Most FHA borrowers can&#039;t afford a home near the best jobs\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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