County Leaders Propose Housing Affordability Strategies
Tackling the housing affordability crisis requires a comprehensive strategy involving the private and public sectors to reduce costs and boost supply. This month, The National Association of Counties (NACo) released “Advancing Local Housing Affordability,” a report that proposes county-led solutions to overcome housing affordability challenges nationwide. The Hon. Bill Truex — commissioner in Charlotte County, Fla., and NAHB member — served on the NACo Housing Task Force that produced the report.
The task force report underscores the need for moderately priced, fair-quality housing in all counties. Report authors share many instances nationwide about how housing costs crowd out household budgets. For example, in Franklin County, Ohio — home to the capital city of Columbus — four out of every 10 renters are cost-burdened, spending more than 30% of their annual income on housing.
Because of the issue's complexity, NACo’s report outlines the shared responsibility of housing affordability among federal, state, local, private and community sectors. To address this, NACo urges counties to engage in dialogue and coordination and build strong relationships with stakeholders that impact housing.
In addition, the NACo housing task force avoids providing a one-size-fits-all policy solution. And the report authors acknowledge that creating solutions to address housing affordability barriers locally is “often slow, contentious and grueling.” As a result, policy recommendations outlined in the report are intended to serve as tools county leaders can use in developing a comprehensive housing action plan.
Abbreviated best practices and policy recommendations in the report cover topics such as:
- Land use, zoning, infrastructure and community planning
- Local regulations, permitting and fees
- Federal-county intergovernmental approaches
- Community engagement, partnership and education
- Finance, lending and county tax policy
“Counties are on the front lines of responding to the housing crisis. Stable, quality housing is the foundation for better health, safety, education, a strong workforce, improved financial wellness, and lower demands on the social safety net,” said NACo President Denise Winfrey, and Will County, Ill., commissioner. “Counties are committed to meeting the moment and addressing our residents’ housing needs.”
Visit the NACo Housing Task Force webpage to read the full report.
Latest from NAHBNow
Feb 05, 2026
3 Major Factors Limiting American Construction ProductivityA recent Goldman Sachs report explores why the U.S. construction industry has underproduced compared to other countries’ construction industries. Between 1970 and 2024, productivity in the U.S. construction industry fell 30% while overall labor productivity more than doubled.
Feb 05, 2026
NAHB’s Monthly Update Highlights Housing Priorities and Industry OutlookTo help members articulate key housing priorities, NAHB’s Monthly Update provides the latest messaging framework for the Federation. See the current advocacy updates and more.
Latest Economic News
Feb 05, 2026
Job Openings Fall as Labor Market WeakensRunning counter to the data for the full economy, the count of open, unfilled positions in the construction industry increased in December, per the delayed Bureau of Labor Statistics Job Openings and Labor Turnover Survey (JOLTS). The current level of open jobs is down measurably from two years ago due to declines in construction activity, particularly in housing.
Feb 04, 2026
Mortgage Rates Declined Despite Higher Treasury YieldsLong-term mortgage rates continued to decline in January. According to Freddie Mac, the 30-year fixed-rate mortgage averaged 6.10% last month, 9 basis points (bps) lower than December. Meanwhile, the 15-year rate declined 4 bps to 5.44%. Compared to a year ago, the 30-year rate is lower by 86 bps. The 15-year rate is also lower by 72 bps.
Feb 03, 2026
Homeownership Rate Inches Up to 65.7%The latest homeownership rate rose to 65.7% in the last quarter of 2025, according to the Census’s Housing Vacancy Survey (HVS). While this was a modest quarterly increase, the broader picture continues to reflect significant affordability challenges. With mortgage interest rates remaining elevated, and housing supply still tight, housing affordability is at a multidecade low.