In a strong town, housing emerges rapidly in response to local needs.
But across the continent, our neighbors can’t find homes they can afford to live in, and local builders can’t help.

Core Insights

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Most cities have zoning codes and building regulations that stunt the local housing market. If you want to build anything other than a single-family home on a large lot, you’re probably going to need a variance, a rezoning, or a long, expensive approval process. That’s a huge barrier for small-scale developers, homeowners, and local builders who might otherwise be able to add housing in a way that fits the neighborhood.

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A healthy housing market isn’t built by a few big players dropping in massive developments. It’s built by homeowners, local builders, and neighborhood developers—each making their own contributions. The incremental approach works because it’s fast, adaptable, and rooted in the community. It allows neighborhoods to mature naturally. It spreads out risk. And it creates opportunities for wealth-building at the local level. When you legalize and support this kind of development, you unlock the power of many hands working together to solve the housing crisis.
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Rather than join the ranks of abandoned malls, Indianapolis' Glendale Mall demonstrates the promise of suburban retrofitting and the power of small, steady development over time.

Baltimore just took a major step towards making housing more attainable and affordable.

Statewide zoning reform isn't producing the wins everyone expected. An architect reveals why: the permissions may have changed, but the reflexes never adapted.
Fayetteville, Arkansas, just gave residents something rare in the world of housing development: a clear, predictable, and affordable path to building.

Learn the six policies that will make your town housing ready.
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