About this episode
Send us a text ZFS Ep #22 America isn’t just “cooling off”—it’s stuck in a full-on housing emergency. The real blockers aren’t headlines or rate cuts; they’re zoning walls, builder costs, and broken first-time buyer financing. Until policy hits those three levers—reforming zoning, incentivizing truly affordable builds, and giving first-time buyers a real rate/closing-cost edge—prices won’t budge in any meaningful way. Call it what it is: an affordability crisis that needs structural fixes, not soundbites. Housing Affordability Tracker document https://docs.google.com/spreadsheets/d/1VNPGRB5ZcrxxIk_27Mmbe10nxc5wyCuHJPpD4ZGSvEU/edit?usp=sharing Articles and sources used: https://time.com/7313848/trump-bessent-national-housing-emergency-declaration-affordability-crisis-explainer/ https://www.newsweek.com/trump-making-housing-emergency-worse-nobel-economist-2124372 https://www.newsweek.com/trump-may-declare-national-housing-emergency-what-it-2123064 https://www.nahro.org/journal_article/rethinking-zoning-to-increase-affordable-housing/ Bills referenced: https://www.fox13now.com/news/politics/how-utahs-house-bill-572-aims-to-make-homeownership-affordable https://senate.utah.gov/first-time-homebuyers-assistance-program-applications-available/