Also by Reinvestment Fund

Policy Solutions Blog

Category: Housing

Proposed Changes to the Mortgage Interest Deduction: Some Simple Facts
Posted November 28, 2017
By Ira Goldstein, Michael Norton

The discourse around proposed changes to the federal tax system, especially between talk show pundits and economists and politicians—each with their own allegiances—is devoid of some simple, transparent facts. A first step toward public understanding of who benefits and who loses from proposed changes to the Mortgage Interest Deduction is to examine current data on home mortgages.

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Mortgage Originations in Your City
Posted March 25, 2017
By Jacob Rosch

Mortgage application data, released under reporting requirements in the Home Mortgage Disclosure Act (HMDA), are a fascinating source of information for cities and communities. These data help us understand where residents are applying for mortgages to purchase new homes or refinance their existing home.

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Using the Market Value Analysis to Map Recommended Housing Policies
Posted January 30, 2017
By Alexandre Vialou

Policymakers often struggle with the fact that policy options are seldom visualized on a map. Indeed policy decisions depend upon a multitude of variables that are rarely tied to geographical boundaries. Yet, it is often at the geographic level that policymakers want to see an impact. Thanks to the Market Value Analysis (MVA), it is possible to identify the housing market intervention policies that will be the most effective based on geographic characteristics.

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Using Market Categories to Assess and Further Fair Housing
Posted December 13, 2016
By Emily Dowdall

In 2015, the Department of Housing and Urban Development (HUD) created a new requirement that jurisdictions conduct an Assessment of Fair Housing (AFH) planning process in support of the Fair Housing Act’s mandate to “affirmatively further fair housing.” Policy Solutions—along with Enterprise Community Partners, Abt Associates, and PolicyMap—was part of the technical assistance team that aided the City of Philadelphia with data and analysis to inform the local AFH. The MVA was a critical tool in this effort and I wanted to share just a few of the ways that the City incorporated the MVA into the AFH:


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New Research On Scattered Site Affordable Housing
Posted November 29, 2016
By Jacob Rosch
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Market Value Analysis, Practitioners, and Private Investors: A Story from St. Louis
Posted November 11, 2016
By Karl Guenther

A reflection on St. Louis’ journey to embed neighborhood market types into our private sector community development practice and a summary of our journey to date, while unfinished, is at the following link:

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Homeownership and Neighborhood Markets in New Orleans
Posted September 28, 2016
By Bill Schrecker, MBA/MSW

One commonly held view among housing practitioners and policymakers is that building homeownership is essential to building strong communities. Home equity has historically helped build wealth, and homeowners are stabilizing forces, who are more likely to invest in home maintenance. However, our experience building MVAs suggests that rental markets can also be sources of opportunity and strength, especially when they are near job centers, transportation hubs, or other amenities.

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A New Look at Middle Neighborhoods
Posted September 8, 2016
By Jacob Rosch

“Middle Neighborhoods” or middle markets are an important focus for many of the cities in which we have conducted MVAs. These areas fall somewhere on the MVA spectrum from relatively strong to showing only modest levels of distress. They are home to many city residents, oftentimes the majority of a city’s population, and they tend to be more racially integrated than other parts of cities. But they are generally not places where federal programs or philanthropic attention is focused.

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Interesting Publication on Preserving Housing Affordability in Changing Neighborhoods
Posted August 15, 2016
By Ira Goldstein

Back in May, the Federal Reserve Bank of Philadelphia hosted a conference titled “Gentrification and Neighborhood Change.” Other sponsors of the event were the NYU Furman Center, Federal Reserve Bank of Minneapolis and HUD. There were several pieces of research presented on topics related to gentrification. (Conference website:

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Using the MVA to Inform Delaware State Housing Authority Programs
Posted July 8, 2016
By Anas Ben Addi

As part of the State of Delaware’s 2015-2020 Housing Needs Assessment, the Delaware State Housing Authority (DSHA) partnered with Reinvestment Fund to complete an MVA covering the entire state of Delaware.

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