Housing Equity & Affordability Crisis

NLIHC's Out of Reach 2026 report reveals Latinos face a $6.90/hr wage shortfall for a one-bedroom rental, with federal underfunding worsening the crisis. HUD has abandoned fair housing enforcement, gutting protections against discrimination. San Jose lawmaker's bills in federal housing package aim to convert blighted buildings and expand ADU loans, offering incremental relief. Florida Hispanic neighborhoods pay 58% more for home insurance ($5,000/year gap), challenging risk-based explanations and highlighting systemic discrimination.