Housing and the Economy in Greater Boston: Trends, Impacts, and Potential Responses
May 22, 2006
On May 22, The Federal Reserve Bank of Boston's New England Public Policy Center and The Rappaport Institute for Greater Boston at Harvard's Kennedy School of Government held a morning discussion on Housing and the Economy: Trends, Impacts, and Potential Responses.
We are pleased to release NEPPC Working Paper No. 06-1, which accompanied the event:
"The Lack of Affordable Housing in New England: How Big a Problem? Why Is It Growing? What Are We Doing About It?"
by Alicia Sasser, Bo Zhao, and Darcy Rollins (with an overview by Robert Tannenwald)
Presentations from the conference are available here
in portable document format (PDF).
Alicia Sasser, Economist
New England Public Policy Center
Federal Reserve Bank of BostonSustaining the Mass Economy: Housing Costs, Population Dynamics, and Employment
Barry Bluestone, Professor of Political Economy and Director,
The Center for Urban and Regional Policy
Northeastern UniversityHousing Supply Restrictions and the Boston Economy
Edward L. Glaeser, Professor of Economics and Director
The Rappaport Institute for Greater Boston
Harvard University
Reports authored by conference participants are also
available.
Sustaining the Mass Economy: Housing Costs, Population Dynamics, and Employment
Barry Bluestone, Professor of Political Economy and Director,
The Center for Urban and Regional Policy
Northeastern UniversityThe Economic Impact of Restricting Housing Supply
Edward L. Glaeser, Professor of Economics and Director
The Rappaport Institute for Greater Boston
Harvard University
Conference Agenda- Bibliography:
Affordable Housing in New England
Welcome
Cathy E. Minehan, President and CEO, Federal Reserve Bank of Boston
Keynote Address
Richard F. Syron, President and CEO, Federal Home Loan Mortgage Corporation (Freddie Mac)
Current Trends and Their Impacts
Barry Bluestone, Professor of Political Economy and Director, The Center for Urban and Regional Policy, Northeastern University
Edward L. Glaeser, Professor of Economics and Director, The Rappaport Institute for Greater Boston, Harvard University
Alicia Sasser, Economist, New England Public Policy Center, Federal Reserve Bank of Boston
Moderator: Lynn E. Browne, Executive Vice-President and Economic Advisor, Federal Reserve Bank of Boston
Potential Policy Responses
John J. Clarke, Director of Advocacy, Massachusetts Audubon Society
Robert L. Culver, President and CEO, MassDevelopment
Lawrence Curtis, Managing Partner, Winn Development and President, Greater Boston Real Estate Board
Mary Claire Higgins, Mayor of Northampton and President, Massachusetts Municipal Association
State Representative Rachel Kaprielian, Co-chair, Joint Committee on Municipalities and Regional Government
Charlotte Golar Richie, Director, Boston’s Department of Neighborhood Development
Moderator and Closing Remarks: David T. Ellwood, Dean, Kennedy School of Government
Compiled by:
Catherine Spozio,
Research
Library of the Federal Reserve Bank of Boston
Contents:
Recent Research
Data, Statistics, and Indices
Federal Reserve Bank of Boston Publications
Research Institutes
Associations and Foundations
Government Agencies
Recent Research
Affordable Housing Subcommittee of the Community Preservation Advisory Committee, Maine State Planning Office. December 2003. Affordable Housing: Barriers and Solutions for Maine. Augusta, ME: Maine State Planning Office.
http://mainegov-images.informe.org/spo/landuse/docs/techassist/cpac_affordablehousing2003.pdfApplied Economic Research. 2005. Housing and School Enrollment in New Hampshire: An Expanded View. Bedford, NH: New Hampshire Housing Finance Authority.
http://www.nhhfa.org/programdocs/schoolstudy/SchoolStudy.pdfBoston Foundation. 2000- . Boston Indicators Report. Boston, MA: Boston Foundation.
http://www.tbf.org/indicatorsProject/
Thinking Globally / Acting Locally: A Regional Wake-up Call. A Summary of the Boston Iindicators Report, 2002-2004.
http://www.tbf.org/uploadedFiles/Indicators2004.pdf
Creativity and Innovation: A Bridge to the Future. A Summary of the Boston Indicators Report, 2002.
http://www.tbf.org/indicators/summary/index.asp
The Wisdom of Our Choices: Boston's Indicators of Progress, Change and Sustainability, 2000.
http://www.tbf.org/indicators2004/shared/
printable.asp?id=2999&header=falseCarman, Edward C., Barry Bluestone, and Eleanor White. 2003. Building on Our Heritage: A Housing Strategy for Smart Growth and Economic Development. Report and Recommendations for the Commonwealth Housing Task Force. Boston, MA: Center for Urban and Regional Policy, Northeastern University.
http://www.tbf.org/uploadedFiles/HousingReport.pdfCenter for Housing Policy. April 2005. "The Housing Landscape for America's Working Families." New Century Housing Volume 5 Issue 1. Washington, DC: Center for Housing Policy.
http://www.nhc.org/pdf/pub_nc_land_04_05.pdfCenter for Housing Policy. 2005. "Something's Gotta Give: Working Families and the Cost of Housing." Washington, DC: New Century Housing Volume 5 Issue 2.
http://www.nhc.org/pdf/pub_nc_sgg_04_05.pdfChomsisengphet, Souphala, and Anthony Pennington-Cross. 2006. The Evolution of the Subprime Mortgage Market. St. Louis, MO: Federal Reserve Bank of St. Louis Review.
http://www.research.stlouisfed.org/publications/review/06/01/ChomPennCross.pdfCitizens' Housing and Planning Association. 2005. Affordable Housing Guidebook for Legislators. Boston, MA: Citizens' Housing and Planning Association.
http://www.chapa.org/Guidebook2005.pdfCitizens' Housing and Planning Association. 2005. Age Restricted Active Adult Housing in Massachusetts: A Review of the Factors Fueling Its Explosive Growth and the Public Policy Issues It Raises. Boston, MA: Citizens' Housing and Planning Association.
http://www.chapa.org/AgeRestrictedHousinginMA.pdfCitizens' Housing and Planning Association. 2005. Smart Preservation: Preserving At-Risk Subsidized Housing with State Bond Funds (CIPF and HSF). Boston, MA: Citizens' Housing and Planning Association.
http://www.chapa.org/PreservationReportFinal.pdfCommonwealth of Massachusetts, Executive Office for Administration and Finance, Research and Development Unit. October 2000. Bringing Down the Barriers: Changing Housing Supply Dynamics in Massachusetts. Boston, MA: Commonwealth of Massachusetts.
http://www.chapa.org/A_F_HousingReport.pdf"Constructing the Future." 2006. CommonWealth Magazine. Boston, MA: MassINC.
http://www.massinc.org/fileadmin/CommonWealth/
Special_Issue_2006/growth_dev_2006.pdfCrews Cutts, Amy, and Frank E. Nothaft. 2005. Reversion to the Mean Versus Sticking to Fundamentals: Looking to the Next Five Years of Housing Price Growth. McLean, VA: Freddie Mac Working Paper No. 05-02.
http://www.freddiemac.com/news/pdf/fmwp_0511_housingpricegrowth.pdfDi, Zhu Xiao, and Xiaodong Liu. 2005. The Importance of Wealth and Income in the Transition to Home Ownership. Cambridge, MA: Joint Center for Housing Studies, Harvard University.
http://www.jchs.harvard.edu/publications/homeownership/w05-6.pdfDickstein, Carla, Hannah Thomas, and Uriah King. 2005. Subprime Mortgages in Maine: Recent Trends and the Persistence of Predatory Lending. Wiscasset, ME: Coastal Enterprises; Durham, NC: Center for Responsible Lending.
http://www.predatorylending.org/pdfs/rr009-Predatory_Lending_Maine-0206.pdfDonahue Institute. 1998. A Profile of Housing in Massachusetts. Boston, MA: Donahue Institute, University of Massachusetts.
http://www.donahue.umassp.edu/publications/housing/Downs, Anthony, ed. 2004. Growth Management and Affordable Housing: Do They Conflict? Washington, DC: Brookings Institution Press.
http://www.brookings.edu/press/books/
growthmanagementandaffordablehousing.htmEuchner , Charles C., with Elizabeth G. Frieze. 2003. Getting Home: Overcoming Barriers to Housing in Greater Boston. Boston, MA: Pioneer Institute for Public Policy Research.
http://www.pioneerinstitute.org/pdf/wp21.pdfFederal Deposit Insurance Commission. 2005. FYI : An Update on Emerging Issues in Banking: U.S. Home Prices : Does Bust Always Follow Boom? Washington, DC: Federal Deposit Insurance Commission.
http://www.fdic.gov/bank/analytical/fyi/2005/021005fyi.htmlFederal Reserve Bank of San Francisco. September 2005. Community Investments: Special Iissue on Affordable Housing. Vol. 17 No. 3. San Francisco, CA: Federal Reserve Bank of San Francisco.
http://www.frbsf.org/publications/community/investments/0508/CIaugust2005.pdfGlaeser, Edward L., Jenny Schuetz, and Bryce Ward. 2006. Regulation and the Rise of Housing Prices in Greater Boston: A Study Based on New Data from 187 Communities in Eastern Massachusetts. Cambridge, MA: Rappaport Institute for Greater Boston.
http://www.ksg.harvard.edu/rappaport/downloads/housing_regulations/
regulation_housingprices.pdfGlaeser, Edward L., Joseph Gyourko, and Raven E. Saks. 2005. "Urban Growth and Housing Supply." National Bureau of Economic Research Working Paper No. 11097.
http://www.nber.org/papers/Glaeser, Edward L., Joseph Gyourko, and Raven E. Saks. 2005. "Why Have Housing Prices Gone Up?" National Bureau of Economic Research Working Paper No. 11129
http://www.nber.org/papers/Goodman, Michael D., and James Palma. 2004. Winners and Losers in the Massachusetts Housing Market: Recent Changes in Housing Demand, Supply, and Affordability. A Study for Citizens' Housing and Planning Association and the Massachusetts Housing Partnership. Amherst, MA: Donahue Institute, University of Massachusetts.
http://www.mhp.net/about/wl.pdfGreater Boston Chamber of Commerce. 2005. Sustaining Greater Boston's Life Science Leadership. Boston, MA: Greater Boston Chamber of Commerce.
http://www.bostonchamber.com/policy/lifesciencesreport2005.pdfHimmelberg, Charles, Christopher Mayer, and Todd Sinai. 2005. "Assessing High House Prices: Bubbles, Fundamentals and Misperceptions." National Bureau of Economic Research Working Paper No. 11643
http://www.nber.org/papers/Husock, Howard, and David J. Bobb. 2001. Build More or Manage Better? Public Housing in Boston and Massachusetts. Boston, MA: Pioneer Institute for Public Policy Research.
http://www.pioneerinstitute.org/pdf/wp16.pdf
Joint Center for Housing Studies of Harvard University. 1988- . The State of the Nation's Housing. Cambridge, MA: Joint Center for Housing Studies of Harvard University.
http://www.jchs.harvard.edu/publications/markets/index.html
Most recent 2005:
http://www.jchs.harvard.edu/publications/markets/son2005/son2005.pdfKatz, Bruce, Margery Austin Turner, et al. 2003. Rethinking Local Affordable Housing Strategies: Lessons from 70 Years of Policy and Practice. Washington, DC: The Brookings Institution Center on Urban and Metropolitan Policy and The Urban Institute.
http://www.brookings.edu/es/urban/knight/housingreview.pdfLipman, Barbara J. 2006. Locked Out: Keys to Homeownership Elude Many Working Families with Children. Washington, DC: Center for Housing Policy.
http://www.nhc.org/pdf/pub_locked_out_03_06.pdfMaine State Housing Authority. 1999- . The State of Maine's Housing. Augusta, ME: Maine State Housing Authority.
Latest available 2002:
http://www.mainehousing.org/Documents/HousingReports/2002HousingReport.pdfMassachusetts Association of Community Development Corporations. 2005. Housing on Hold: The State Freeze on Funding for New Affordable Homes. Boston, MA: Massachusetts Association of Community Development Corporations.
http://www.macdc.org/uploads/176/Housing_on_Hold.pdfMassachusetts Housing Partnership, and Housing Affordability Initiative at the MIT Center for Real Estate. 2006. Large-lot Housing Construction in the Greater Boston Metropolitan Area: New Boston Area Housing Approaching an Acre per Home. Cambridge, MA: Massachusetts Housing Partnership; Housing Affordability Initiative at THEMIT Center for Real Estate.
http://www.mhp.net/uploads/resources/mhp_mit_1_30_06.pdfMoscovitch, Edward. September 2005. Open Space, Housing Construction and Home Prices: What's the Payoff from Smart Growth? Boston, MA: Massachusetts Housing Partnership.
http://www.mhp.net/uploads/resources/cape_ann_report.pdfNakosteen, Robert, and James Palma. 2003. The Fiscal Impact of New Housing Development in Massachusetts: A Critical Analysis. Boston, MA: Citizens' Housing and Planning Association.
http://www.chapa.org/fiscalimpact.pdfNational Community Reinvestment Coalition. 2005. Predatory Appraisals : $tealing the American Dream. Washington, DC: National Community Reinvestment Coalition.
http://www.ncrc.org/responsible-appraisal/pdfs/AppraisalReport.pdfNew Hampshire Housing Finance Authority. 2004. Housing Solutions for New Hampshire. Bedford, NH: New Hampshire Housing Finance Authority.
http://www.nhhfa.org/programdocs/HousingSolutions/HousingSolutions.pdfNew Hampshire Housing Forum. 2000. Feeling the Pinch: Wages and Housing in New Hampshire. New London, NH: Echo Communications.
http://www.nhhousingforum.org/pdf/NHFA_Booklet.pdfNGA Center for Best Practices. 2002. Increasing Access to Housing for Low-income Families. Washington, DC: NGA Center for Best Practices.
http://preview.nga.org/Files/pdf/032902HOUSING.pdfNGA Center for Best Practices. 2004. Integrating Affordable Housing with State Development Policy. Washington, DC: NGA Center for Best Practices.
http://preview.nga.org/Files/pdf/0411AFFORDABLEHOUSING.pdfOffice of the Mayor. 2000- . Leading the Way: Boston's Housing Strategy. Boston, MA: City of Boston.
http://www.cityofboston.gov/dnd/D_Neighborhood_Housing_Reports.asp
Latest (2004): http://www.cityofboston.gov/dnd/pdfs/LTW_2_to_print.pdfPollakowski, Henry O., David Ritchay, and Zoe Weinrobe. April 2005. Effects of Mixed-income, Multi-family Rental Housing Developments on Single-family Housing Values. Cambridge, MA: Center for Real Estate, Massachusetts Institute of Technology.
http://mit.edu/cre/research/hai/pdf/40B_report_HAI_0405.pdfReducing Regulatory Barriers to Workforce Housing in New Hampshire. 2002. Report of the Legislative Commission established by Chapter 262 of the Laws of 2001. [s.l.] : [s.n.]
http://www.nhhfa.org/hap/docs/SB21%20Report.pdfReport of the Blue Ribbon Commission to Study Affordable Housing. 2000. Hartford, CT: Blue Ribbon Commission to Study Affordable Housing.
http://www.cga.ct.gov/hsg/brctsah/brc_report_feb7-2000.pdfSum, Andrew M. 2002. The State of the American Dream in Massachusetts, 2002. Boston, MA: MassINC.
http://www.massinc.org/index.php?id=216&pub_id=1311University of Massachusetts Donahue Institute Housing Poll: Executive summary. 2005. Boston, MA: Donahue Institute, University of Massachusetts.
http://www.donahue.umassp.edu/docs/?item_id=15281
Data, Statistics, and Indices
Center for Housing Policy, Paycheck to paycheck.
http://www.centerforhousingpolicy.org/DeKaser, Richard J., and John G. Charamonde. July 2005. House Prices in America: Valuation Methodology & Findings. Cleveland, OH: National City Corporation.
http://www.nationalcity.com/content/corporate/EconomicInsight/documents/
finalreport.pdfGreater Boston Housing Report Card. Boston, MA: Center for Urban and Regional Policy, Northeastern University.
2004: http://www.chapa.org/HousingReportCard2004.pdf
2003: http://www.curp.neu.edu/pdfs/reportcard2003.pdf
2002: Report: http://www.curp.neu.edu/pdfs/completedraft.pdf
MSAs map: http://www.curp.neu.edu/pdfs/appendix1.pdf
Appendix 2: http://www.curp.neu.edu/pdfs/appendix2.pdf
Appendix 3: http://www.curp.neu.edu/pdfs/appendix3.pdf
Appendix 4: http://www.curp.neu.edu/pdfs/appendix4.pdf
Appendix 5: http://www.curp.neu.edu/pdfs/appendix5.pdf
MassHousing, Massachusetts Housing Finance Agency Annual Report.
Latest:
https://www.masshousing.com/portal/server.pt?
open=514&objID=254&parentname=CommunityPage&parentid=
1&mode=2&in_hi_userid=2&cached=true#MIT Center for Real Estate Housing Affordability Initiative, Housing Affordability Initiative.
http://web.mit.edu/cre/research/hai/index.htmlNational Association of Realtors, Housing Affordability Index.
http://www.realtor.org/research.nsf/pages/HousingInx?OpenDocumentNational City Corporation, Housing valuation analysis.
http://www.nationalcity.com/Corporate/EconomicInsight/default.aspNational Low Income Housing Coalition, Out of Reach.
http://www.nlihc.org/pubs/index.htm
Latest available: 2004
http://www.nlihc.org/oor2004/Office of Federal Housing Enterprise Oversight, House price index.
http://www.ofheo.gov/hpi.aspxPioneer Institute for Public Policy Research and Rappaport Institute for Greater Boston, Housing Regulation Database: Massachusetts Municipalities.
http://www.pioneerinstitute.org/municipalregs/index.aspPMI, Economic and real estate trends (ERET).
http://www.pmigroup.com/lenders/eret.htmlU.S. Census Bureau, American housing survey (AHS).
http://www.census.gov/hhes/www/housing/ahs/ahs.htmlU.S. Census Bureau, American Housing Survey for the Boston Metropolitan Area.
Latest available 1998 (issued November 2000):
http://www.census.gov/prod/2000pubs/h170-98-3.pdfU.S. Department of Housing and Urban Development, Regulatory Barriers Clearinghouse (RBC).
http://www.huduser.org/rbc/Vermont Housing Data.
http://www.housingdata.org/Vermont Housing Finance Agency; Vermont Housing Awareness Campaign. Between a Rock and a Hard Place: Housing and Wages in Vermont. 2002- .
http://www.housingawareness.org/facts.htm
Federal Reserve Bank of Boston Publications (2003 - present)
Douglas, Paul. "When Affordable Homeownership Means Doing It Yourself." Communities & Banking, Winter 2003.
http://www.bos.frb.org/commdev/c&b/2003/winter/FC.pdfEllis, Caroline. "Thinking Holistically: Woonsocket Neighborhood Development Cooperation." Communities & Banking, Fall 2005.
http://www.bos.frb.org/commdev/c&b/2005/fall/woonsocket.pdfFinnegan, Michael. "A Community Development Work in Progress." Communities & Banking, Winter 2003.
http://www.bos.frb.org/commdev/c&b/2003/winter/FP.pdfFrench, Dan. "Solving the Upper Valley's Housing Needs." Communities & Banking. Spring 2004.
http://www.bos.frb.org/commdev/c&b/2004/spring/Solving.pdfMacNeil, Leo. "Quality of Life Improves in Brockton." Communities & Banking, Summer 2004.
http://www.bos.frb.org/commdev/c&b/2004/summer/Brockton.pdfRey, William. "Deconstructing the Myths : Housing Development Versus School Costs." Communities & Banking, Spring 2005.
http://www.bos.frb.org/commdev/c&b/2005/Spring/Housing.pdfRollins, Darcy. An Overview of Chapters 40R and 40S: Massachusetts' Newest Housing Policies. New England Public Policy Center Policy Brief, February 2006.
http://www.bos.frb.org/economic/neppc/briefs/2006/briefs061.pdfSolitare,Laura. "Is Housing Next in Company Benefits?" Communities & Banking, Winter 2003.
http://www.bos.frb.org/commdev/c&b/2003/winter/EAH.pdfYoung, Jennifer. "Observations: Take Home Pay." Regional Review, Q2 2003.
http://www.bos.frb.org/economic/nerr/rr2003/q2/q203observations.pdf
Research Institutes
National
The Brookings Institution
http://www.brookings.org
- Cities and Suburbs: Housing: Affordable and Public Housing.
http://www.brookings.edu/index/taxonomy.htm?taxonomy=
Cities%20and%20Suburbs*Housing*Affordable%20and%20public%20housing- Social Policy: Housing.
http://www.brookings.org/index/taxonomy.htm?
taxonomy=Social%20Policy*HousingJoint Center for Housing Studies
http://www.jchs.harvard.eduLincoln Institute of Land Policy
http://www.lincolninst.edu/index.aspReal Estate Academic Initiative at Harvard University (REAI)
http://www.reai.harvard.edu/REAI/Urban Institute (UI)
http://www.urban.org
Massachusetts
The Boston Municipal Research Bureau (BMRB)
http://www.bmrb.org/index.aspCenter for Urban and Regional Policy (CURP)
http://www.curp.neu.edu/Donahue Institute
http://www.donahue.umassp.edu/MassINC: the Massachusetts Institute for a New Commonwealth
http://www.massinc.org/MIT Center for Real Estate Housing Affordability Initiative
http://web.mit.edu/cre/research/hai/index.htmlRappaport Institute for Greater Boston
http://www.ksg.harvard.edu/rappaport/index.htm
Associations and Foundations
National
Center for Housing Policy
http://www.nhc.org/housing/chp-index/National Association of Home Builders (NAHB)
http://www.nahb.orgNational Association of Realtors (NAR)
http://www.realtor.orgNational Housing Conference (NHC)
http://www.nhc.orgNational Housing Trust (NHT)
http://www.nhtinc.org/index.aspNational League of Cities (NLC)
http://www.nlc.org/home/
http://www.nlc.org/Issues/Housing___Community_Development/index.cfmNational Low Income Housing Coalition (NLIHC)
http://www.nlihc.org
Connecticut
Connecticut Association of Realtors (CAR)
http://www.ctrealtor.com
http://www.ctrealtor.com/resources/qtrlyhousingdata.htmConnecticut Housing Coalition (CHC)
http://www.ct-housing.org/Connecticut Housing Investment Fund (CHIF)
http://www.chif.org/CT Coalition to End Homelessness (CCEH)
http://www.cceh.org/Mutual Housing Association of South Central Connecticut (MHASCCT)
http://www.mutualhousing.net/Mutual Housing Association of Southwestern Connecticut (MHASWCT)
http://www.mhaswct.org/
Maine
Maine Affordable Housing Network (MAHN)
http://www.ceimaine.org/content/view/80/122/Maine Association of Realtors (MAR)
http://me.realtorplace.com
Massachusetts
Boston Indicators Project
http://www.tbf.org/indicatorsProject/
http://www.tbf.org/indicators2004/housing/index.aspCitizens' Housing and Planning Association (CHAPA)
http://www.chapa.orgCommonwealth Housing Task Force (CHTF)
http://www.tbf.org/tbfgen1.asp?id=1986Massachusetts Affordable Housing Alliance (MAHA)
http://www.mahahome.orgMassachusetts Association of Realtors (MAR)
http://marealtor.com
http://marealtor.com/content/housing_research_data.aspMassDevelopment
http://www.massdevelopment.com/
New Hampshire
The Housing Partnership
http://www.housingpartnership.org/Default.htmNew Hampshire Association of Realtors (NHAR)
http://nhar.org/m/index.php
The New Hampshire Association of Realtors, New Hampshire's largest trade association, represents over 6,500 members involved in all aspects of the residential and commercial real estate industries. Information on the Web site pertaining to news, reports, and legislative activities is accessible only to members.New Hampshire Housing Finance Authority (NHHFA)
http://www.nhhfa.org/New Hampshire Housing Forum (NH Housing Forum)
http://www.nhhousingforum.org/
Rhose Island
Housing Network of Rhode Island
http://www.housingnetworkri.org/Rhode Island Association of Realtors
http://riliving.com/Rhode Island Public Housing Tenants Association (RIPHTA)
http://www.shac-ri.org/ripht.htmStatewide Housing Action Coalition (SHAC)
http://www.shac-ri.org/
Vermont
Vermont Affordable Housing Coalition (VAHC)
http://www.vtaffordablehousing.org/ [Web site under construction]Vermont Association of Realtors
http://www.vtrealtor.comVermont Housing Awareness Campaign
http://housingawareness.org/
Government Agencies
National
Fannie Mae (Federal National Mortgage Association)
http://www.fanniemae.com/Federal Housing Finance Board (FHFB)
http://www.fhfb.gov/
Office of Federal Housing Enterprise Oversight (OFHEO)
http://www.ofheo.gov/U.S. Department of Housing and Urban Development (HUD)
http://www.hud.gov/
Maine
Maine State Housing Authority (MSHA)
http://www.mainehousing.org/Maine State Planning Office (SPO)
http://www.state.me.us/spo/
http://www.maine.gov/spo/landuse/tfandcomm/cpac/housing.php
Massachusetts
City of Boston
http://www.cityofboston.gov
Various sections of the City's web site contain information on affordable housing:
- Affordable Housing,
http://www.cityofboston.gov/priorities/housing.asp- Department of Neighborhood Development, http://www.cityofboston.gov/DND/
- Neighborhood Housing Development, http://www.cityofboston.gov/dnd/1_Hsg.asp
- Boston Redevelopment Authority,
http://www.cityofboston.gov/bra/Massachusetts Department of Housing and Community Development
http://www.mass.gov/dhcd/Neighborhood Housing Trust (NHT)
http://www.cityofboston.gov/dnd/pdfs/NHT.pdf
Rhode Island
Rhode Island Housing
http://www.rihousing.com/
Vermont
Vermont Housing and Conservation Board (VHCB)
http://www.vhcb.org/Vermont Housing Finance Agency (VHFA)
http://www.vhfa.org/
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