A working paper exploring the unsubsidized affordable housing or naturally occurring affordable housing (NOAH) phenomenon. The paper derives learnings from interviews conducted with practitioners, funders, developers and policymakers. Those learnings are also rooted in data on the NOAH stock and the types of markets wherein NOAH seems to be most effectively created. The paper concludes with a thought experiment about how the power of the market could be harnessed to support the production and preservation of NOAH for modest-income households in a way that is both responsive to the realities of the housing market in general as well as to local market conditions.
Ira Goldstein, Ph.D., is the President of Policy Solutions at Reinvestment Fund, a results-oriented, socially responsible community investment group. Dr. Goldstein has conducted detailed spatial and statistical analyses in many cities and regions across the US.
Emily Dowdall is Policy Director for Reinvestment Fund’s Policy Solutions group. Ms. Dowdall helps civic leaders and government officials use data to make programming and investment decisions that support vibrant and equitable communities. She has conducted research on housing stability and neighborhood change in several cities, including Philadelphia, New Orleans, Pittsburgh, and Richmond, VA.
Jacob Rosch conducts quantitative and qualitative research at Reinvestment Fund. He leads projects to help philanthropic, government, and private investors design strategies to support the expansion of high-quality child care, build healthy and thriving communities, and improve the lives of residents and families in disadvantaged communities.
As Reinvestment Fund’s Impact Analyst, Kevin Reeves assesses the outcomes and impacts of Reinvestment Fund’s loans, grants, and New Markets Tax Credits investments. Additionally, he completed the 2018 update to Reinvestment Fund’s Limited Supermarket Access (LSA) Analysis and a case study evaluation of Colorado Enterprise Fund’s Fresh Food Lending program.
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