Date of Award:


Document Type:


Degree Name:

Master of Science (MS)


Family, Consumer, and Human Development


Lucy M. Delgadillo


Multiple housing affordability indexes are used to measure and assess housing affordability. Each index has its own definition of affordability, causing varying viewpoints on what is to be considered affordable or unaffordable. Four indexes were used in this study: two from the Department of Housing and Urban Development (HUD), one from the National Association of Realtors (NAR), and the last from the National Low Income Housing Coalition. The indexes were applied to Census data to assess the housing affordability situation of both homeowners and renters in the census tracts of Cache County, Utah. The measures together show distinct differences in the housing markets throughout the county. The study provides implications for housing counselors, educators, lenders, and policy makers, and provides suggestions for preventing housing crisis, including the benefits of the residual income approach for determining housing affordability

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Economics Commons