Development patterns in cities, towns, and neighborhoods across North America have focused on building infrastructure as an indicator of growth without considering how it impacts long-term financial resilience and access to affordable housing options, says engineer and land use planner Chuck Marohn.

Affordable housing in the U.S. is frequently discussed as an issue of steep property values limiting access to homeownership. However, housing prices are influenced by a combination of factors, including costs of raw materials, land, and construction, development codes, and interest rates, notes Marohn, founder and president of Strong Towns, a nonprofit that supports better development models across the U.S. and Canada.

Marohn adds that the conversation and media coverage around housing affordability is dominated by major urban centers such as San Francisco, New York City, and Washington, D.C. Little attention is given to rural areas, where incomes often are not high enough for residents to afford homes.

“It is very different in different places, and I think sometimes one conversation tends to dominate because it’s the lived experience of the people who are writing the stories, but it’s very out of touch,” he explains. “The lived experience of over half of Americans is not affordable housing as runaway prices, it’s affordable housing as wages are not keeping up.”

Local housing markets demand solutions that fit their needs. Marohn believes builders have an opportunity to develop housing that can cause prices to fall more in line with incomes. Accessory dwelling units, at least in urban and suburban areas, could be one such solution.

“Accessory dwelling units meet a niche in the market right now that is dramatically underserved,” says Marohn. “Every city that aggressively builds accessory dwelling units will benefit from that over the long term.”

Breaking with current housing patterns may fall to millennials, baby boomers, and retirees who are increasingly drawn to communities that are walkable, accessible to downtown areas, and have more downsized housing options that fit their budget constraints.

“When we can build on smaller footprints, and we can build in ways that from a single site are going to be more efficient, not only do you lower your cost, but you can get a much higher return per square foot of development, essentially a quality over quantity kind of conversation,” says Marohn.

Marohn believes that addressing affordable housing should ultimately be “a deeply local conversation,” one where community associations can become involved by serving as conduits between their neighborhoods and city officials. “They have to be the partner with the local government and really strengthen that two-way communication,” says Marohn.

CAI’s government and public affairs team is closely monitoring affordable housing initiatives to protect the interests and integrity of the community association housing model.

Marohn will be the keynote speaker at CAI’s Community Association Law Seminar, Jan. 15–18, in Las Vegas. 

  • Kiara Candelaria

    Kiara is the former associate editor for CAI’s print and digital publications. Before joining CAI, she worked for a trade media magazine focusing on the oil refining sector. Kiara also worked as an internal communications intern at the Library of Congress in 2015 and was a student journalist while attending college in Puerto Rico, where she was born and raised. She graduated with a bachelor’s degree in information and journalism from the University of Puerto Rico, Rio Piedras Campus, in 2014 and earned a master’s degree in communication from George Mason University in Fairfax, Va., in 2020.

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