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Concept
Affordable housing
Résumé
Affordable housing is housing which is deemed affordable to those with a household income at or below the median as rated by the national government or a local government by a recognized housing affordability index. Most of the literature on affordable housing refers to mortgages and a number of forms that exist along a continuum – from emergency homeless shelters, to transitional housing, to non-market rental (also known as social or subsidized housing), to formal and informal rental, indigenous housing, and ending with affordable home ownership.
Housing choice is a response to a complex set of economic, social, and psychological impulses. For example, some households may choose to spend more on housing because they feel they can afford to, while others may not have a choice.
There are several means of defining and measuring affordable housing. The definition and measurement may change in different nations, cities, or for specific policy goals.
The definition of affordable housing may change depending on the country and context. For example, in Australia, the National Affordable Housing Summit Group developed their definition of affordable housing as housing that is "...reasonably adequate in standard and location for lower or middle income households and does not cost so much that a household is unlikely to be able to meet other basic needs on a sustainable basis." Affordable housing in the United Kingdom includes "social rented and intermediate housing, provided to specified eligible households whose needs are not met by the market." In some contexts, affordable housing may only mean subsidized or public housing whereas in other cases it may include naturally occurring affordable housing or "affordable" by different incomes levels from no income households to moderate income but cost-burdened households.
Median multiple
The median multiple indicator, recommended by the World Bank and the United Nations, rates affordability of housing by dividing the median house price by gross (before tax) annual median household income).
Source officielle
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