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Dreaming of a home: The regional divide in housing affordability

Osswald do Amaral, Francisco; Staratschek, Gereon; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015627748

(H)ausquartiert: Regionale Unterschiede beim Zugang zu Wohneigentum

Osswald do Amaral, Francisco; Staratschek, Gereon; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015627762

Eigentumsquoten im Vergleich. Ausgewählte Ergebnisse der Gebäude- und Wohnungszählung 2022

Kohlhepp, Frederic; Tatzel, Alexander; Dreschmitt, Kai; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633487

Wealth drawdowns or borrowing? : how parents fund financial support for their children's first home

Andersen, Henrik Yde; Gaarskær, Cecilie Walsted; … - 2026

Intergenerational assistance in housing markets is well documented, yet little is known about how parents finance support for their children's first home purchases. Using population-wide Danish administrative data linking first-time buyers and their parents from 2000 to 2023, we identify...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015654686

House prices, fertility rates, and homeownership : evidence from the UK

Houillon, Harry; Liu, Natalie Xiaoqi; Bao, Helen X. H. - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015562241

The gender dimension of homeownership : evidence from China

Chan, Daphne Wing; Liu, Natalie Xiaoqi; Bao, Helen X. H. - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015562243

Tax incentives, portfolio choice, and macroprudential risks

Brenzel-Weiss, Janosch; Koeniger, Winfried; … - 2026

We calibrate a lifecycle portfolio-choice model of homeowners facing uninsurable income risk to show that tax deductions for mortgage interest payments and voluntary pension contributions have sizable effects on household portfolios and macroprudential risks. The deductions reduce the after-tax...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015593101

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Tax incentives, portfolio choice, and macroprudential risks

Brenzel-Weiss, Janosch; Koeniger, Winfried; … - 2026

Book / Working Paper

Tax incentives, portfolio choice, and macroprudential risks

Brenzel-Weiss, Janosch; Koeniger, Winfried; … - 2026

Book / Working Paper

Demand for home pension and reverse mortgage : an information provision survey experiment

Kim, Duk Gyoo; Hwang, In Do - 2026

Population aging and the sustainability of retirement financing are critical challenges facing many developed economies. In South Korea, elderly poverty remains a critical issue, despite widespread homeownership among older adults. Although the home pension program allows retirees to unlock...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015596754

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Demand for home pension and reverse mortgage : an information provision survey experiment

Kim, Duk Gyoo; Hwang, In Do - 2025

Book / Working Paper

Reconciling survey and administrative records to measure housing wealth in Italy

Neri, Andrea; Porreca, Eleonora; Zanichelli, Francesca; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015586905

Inequality, not regulation, drives America's housing affordability crisis

Buchholz, Maximilian; Kemeny, Tom; Randolph, Gregory F.; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015580368

Housing capital gains across the income distribution

Bäckman, Claes; D'Lima, Walter; Khorunzhina, Natalia - 2026

We show that high-income buyers earn higher capital gains on housing using detailed transaction data from Denmark. Geographic location statistically accounts for nearly all the difference, with little role for aggregate market timing, property type, or other buyer characteristics. This finding...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604358

Measuring the services of durables and owner occupied housing : a unified framework and forty years of Tokyo evidence

Diewert, Walter E.; Shimizu, Chihiro - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015620204

Housing bust and long-term human capital scarring in the U.S.

Pestova, A. A.; Popov, Alexander - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625605

(H)ausquartiert: regionale Unterschiede beim Zugang zu Wohneigentum

Osswald do Amaral, Francisco; Staratschek, Gereon; … - 2026

• Der gestiegene Eigenkapitalbedarf stellt die zentrale Hürde beim Immobilienerwerb in Deutschland dar. Im Median musste ein durchschnittlicher Haushalt, zwischen 2015 und 2024, 9,37 Jahre sparen, um das erforderliche Eigenkapital aufzubringen. • Einen wesentlichen Anteil macht hierbei...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626573

Dreaming of a home : the regional divide in housing affordability

Osswald do Amaral, Francisco; Staratschek, Gereon; … - 2026

• The rise in total upfront cash requirement has become the main obstacle to homeownership in Germany. Between 2015 and 2024, the average household needed a median of 9.37 years to save the necessary funds for a home purchase. • A substantial share of this burden comes not from the price...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626577

Homeownership and aerosol air pollution

Simmen, Frank; Süssmuth, Bernd - 2026

We show that particulate matter pollution is lower in advanced economies where political parties favor homeownership. We rationalize this with a simple model featuring a polluting industry and owner-occupiers who push to restrict undesirable land uses. Pollution declines when homeowners have...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015627532

Housing wealth and labor supply : evidence from geographically-linked microdata

Yang, Xi - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015641665

Paying a high premium : how climate change is crippling homeowner's insurance and fueling a housing crisis

Semenova, Alla - 2026

This paper examines the growing impacts of climate change in the US homeowner's insurance industry. As climate change-driven weather extremes and natural disasters have accelerated in their frequency and severity, they have inflicted increasingly more residential property damage and destruction,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015644047

How do house prices affect social mobility

Sturrock, David; Levell, Peter - 2026

We study the impact of the UK house price boom on the intergenerational persistence of homeownership, housing wealth, location and earnings. Using price variation driven by geographic differences in the elasticity of housing supply, we find that increases in local house prices have a negative...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015656279

Floods and homeowners' financial resilience : survey-based evidence from the Netherlands

Leeuw, Dorien de; Jansen, David-Jan - 2026 - This version: 26 February 2026

We study homeowners' awareness and financial resilience in the face of flood risk. Using three surveys among Dutch households, we compare owners of at-risk properties to a control sample of owners living outside a potential flood zone. While the former start exhibiting greater awareness of flood...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015656747

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Floods and homeowners' financial resilience : survey-based evidence from the Netherlands

Leeuw, Dorien de; Jansen, David-Jan - 2025 - This version: 29 September 2025

Edition: This version: 29 September 2025

Book / Working Paper

Lands of opportunity : differences in the geography of wealth and income mobility in the United States

Binder, Ariel; Risch, Max; Voorheis, John - 2026

We provide new county-level estimates of intergenerational mobility, covering multiple economic concepts: total income, labor income, homeownership, housing wealth, and total wealth. This is possible via small-area estimation techniques and linked survey and administrative data covering millions...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015647404

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Lands of opportunity : differences in the geography of wealth and income mobility in the United States

Binder, Ariel; Risch, Max; Voorheis, John - 2026

Book / Working Paper

Housing capital and intergenerational mobility in the United States

Binder, Ariel J.; Risch, Max; Voorheis, John - 2026

Housing is the largest capital asset for most families. While the intergenerational mobility literature has extensively studied the income distribution, it has devoted less attention to housing, in part due to data limitations. We document 3 features of intergenerational mobility by comparing...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632412

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Housing Capital and Intergenerational Mobility in the United States

Binder, Ariel J.; Risch, Max; Voorheis, John L. - 2026

Book / Working Paper

Housing capital and intergenerational mobility in the United States

Binder, Ariel; Risch, Max; Voorheis, John - 2025

Book / Working Paper

Eigentumsquoten im Vergleich : ausgewählte Ergebnisse der Gebäude- und Wohnungszählung 2022

Kohlhepp, Frederic; Tatzel, Alexander; Dreschmitt, Kai; … - 2026

Wie haben sich die Wohneigentumsquoten in Deutschland zwischen den Zensusjahren 2011 und 2022 entwickelt? Auf der Grundlage von Daten der Gebäude- und Wohnungszählungen sowie von ergänzenden personenbezogenen Informationen aus der Haushaltebefragung des Zensus geht der Beitrag dieser Frage...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632975

The determinants of mortgage denial using public data

García, Manu; Garriga, Carlos - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015667240

Monetary policy and fertility: housing wealth heterogeneity across U.S. States

Jaimes, Richard - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015665303

When illness strikes home : the impact of severe health shocks on homeownership

Bian, Xun; Jiang, Hanchen - 2026

We study the impact of severe health shocks, caused by first-time strokes, heart attacks, and cancer diagnoses, on housing tenure choices in the United States. Using data from the Panel Study of Income Dynamics, we estimate a value-added model that controls for pre-shock housing tenure, health...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015665019

Who pays for decarbonizing homes?

Lackner, Teresa; Nabernegg, Stefan - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015667669

Housing markets and the heterogeneous effects of monetary policy across the euro area

Pica, Stefano - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015668218

Who is helped by help to buy schemes?

Boileau, Bee; Conwell, Lucas; Levell, Peter - 2026

Demand-side policies which relax borrowing constraints for homebuyers, with the aim of increasing homeownership, are increasingly common. We propose a new approach to evaluating ex-ante how such policies would change individuals' opportunity sets according to their income, location and parental...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015669480

Flood risk, insurance, and housing in the United States

Qin, Suvy; Voorheis, John - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015669641

Dreaming of a home: Equity as an obstacle to home ownership

Amaral, Francisco; Staratschek, Gereon; Zdrzalek, Jonas; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015561922

(H)ausgeträumt: Eigenkapital als Hindernis zum Eigenheim

Amaral, Francisco; Staratschek, Gereon; Zdrzalek, Jonas; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015562054

Macroprudential policies and homeownership

Bäckman, Claes - 2025

Macroprudential policies are a key policy tool for financial regulators, but concerns persist that these policies restrict access to homeownership. I examine this concern using crosscountry data on homeownership for 28 countries. I find little evidence that macroprudential policies reduce...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015485735

Objective housing sales and rent prices in representative household surveys : implications for wealth, inequality, housing market, and affordability statistics

Naidin, M. Denisa; Waltl, Sofie; Ziegelmeyer, Michael H. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015168599

Das house kapital : a long-run theory of house prices and housing wealth

Grossmann, Volker; Larin, Benjamin; Steger, Thomas M. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015371064

Efficient property value estimation for single-family homes in central Florida

Lozano, Sebastián; Gutiérrez Moya, Ester; Klizentyte, … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015375831

Housing wealth across countries : the role of expectations, institutions and preferences

Le Blanc, Julia; Slacalek, Jirka; White, Matthew N. - 2025

Homeownership rates and holdings of housing wealth differ immensely across countries. We specify and estimate a life cycle model with risky labor income and house prices in which households face a discrete-continuous choice between renting and owning a house, whose sale is subject to transaction...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015211679

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Housing wealth across countries : the role of expectations, institutions and preferences

Le Blanc, Julia; Slacalek, Jirka; White, Matthew N. - 2025

Book / Working Paper

Housing wealth across countries : the role of expectations, institutions and preferences

Le Blanc, Julia; Slacalek, Jirka; White, Matthew N. - 2025

Book / Working Paper

Housing wealth across countries : the role of expectations, institutions and preferences

Le Blanc, Julia; Slacalek, Jirka; White, Matthew N. - 2025

Book / Working Paper

Shedding light on survey accuracy : a comparison between SHED and Census Bureau survey results

Dasgupta, Kabir; Shaalan, Fatimah; Zabek, Mike - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015271442

Redesigning home reversion products to empower retirement for Singapore's public flat owners

Kwong, Koon Shing; Goh, Jing Rong; Lee, Jordan Jie Xin; … - 2025

This paper introduces an innovative sell-type home reversion product aimed at monetizing Singapore's public flats, serving as a new alternative to the existing Singapore Lease Buyback Scheme (LBS). This new product not only retains the LBS's guaranteed period of residence in the property along...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015333707

Insurers' loss portfolio similarity and climate risk insurance cost : a spatial analysis of US homeowners insurance market

Sun, Tao - 2025

This study examines the geographical spillover of the state-level average homeowners insurance cost for 48 US contiguous states. We estimate a panel spatial Durbin model with state and year fixed effect for data between 2001 and 2018. We found a significant positive spillover of average...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015334604

Did 2004 EU expansion matter to new migrants' housing tenure and settlement choices in England?

Jewell, Sarah; Nanda, Anupam; Oladiran, Olayiwola - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015334723

Shared occupancy and property tax arrears

Anim-Odame, Wilfred K.; Brenni, Precious A.; Damianov, … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015338060

Consumption insurance, earnings risk and illiquid housing wealth

Campanale, Claudio; Franjo, Luis - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015339159

Human capital from childhood exposure to homeownership : evidence from Right-to-Buy

Disney, Richard; Gathergood, John; Machin, Stephen; … - 2025

"Right to Buy" (RTB) was a large-scale UK housing policy whereby incumbent tenants in public housing could buy their properties at heavily subsidised prices. The policy increased the national homeownership rate by over 10 percentage points between 1980 and the late 1990s. A key feature of RTB is...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015190154

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Human capital from childhood exposure to homeownership : evidence from right-to-buy

Disney, Richard; Gathergood, John; Machin, Stephen; … - 2025

Book / Working Paper

Human capital from childhood exposure to homeownership : evidence from Right-to-Buy

Disney, Richard; Gathergood, John; Machin, Stephen; … - 2024

Book / Working Paper

Human capital from childhood exposure to homeownership : evidence from right-to-buy

Disney, Richard; Gathergood, John; Machin, Stephen; … - 2024

Book / Working Paper

Using machine learning to aggregate apartment prices : comparing the performance of different Luxembourg indices

Kaempff, Bob; Kremer, David - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015197300

Do immigrants always experience lower homeownership probabilities than natives? : evidence from Japan

Liu, Yang - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015329553

Homeownership and attention to inflation : evidence from information treatments

Piccolo, Jessica; Gorodnichenko, Yuriy - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015406924

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Homeownership and attention to inflation : evidence from information treatments

Piccolo, Jessica; Gorodnichenko, Yuriy - 2025

Book / Working Paper

Homeownership and attention to inflation : evidence from information treatments

Piccolo, Jessica; Gorodnichenko, Yuriy - 2025

Book / Working Paper

Homeownership and Attention to Inflation : Evidence from Information Treatments

Piccolo, Jessica; Gorodnichenko, Yuriy - 2025

Book / Working Paper

Wealth transfers and homeownership in Malta

Antonaroli, Valentina; Deguara, Warren; Castaldo, … - 2025

In this paper, we study the role of wealth transfers in shaping homeownership in Malta. Leveraging data from four waves of the Maltese Household Finance and Consumption Survey, we perform a logistic regression to investigate how financial inflows in the form of gifts or inheritances, affect (i)...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015329719

The interplay of income growth and housing prices : a decade of real estate dynamics in Poland's largest cities

Ryś, Michał; Ryś, Maciej - 2025

This study explores the relationship between income growth and housing prices in Poland's seven largest cities from 2013 to 2024. Through statistical analysis, the research reveals a strong correlation between average gross wages, and both offer and transaction prices in the real estate market,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015393640

Do older workers change their labor supply in response to housing wealth shocks?

Asquith, Brian J. - 2025

Do older workers change their labor supply in response to unexpected housing wealth losses (or gains)? Housing wealth is the largest component in most older Americans' portfolios, and they may seek to recoup losses by working longer to help smooth consumption in retirement. Despite its...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015395417