#USHouseMarketStructureDraft

The U.S. housing market structure is undergoing a strategic reevaluation as policymakers draft new reforms to address affordability, supply constraints, and institutional dominance. The current housing framework is shaped by a combination of private ownership, government programs, and market-driven development. However, growing concerns over rising home prices, limited inventory, and investor-driven purchases have prompted renewed interest in structural reforms.

A recent draft proposal in Congress aims to rebalance the market by incentivizing construction of affordable housing, curbing speculative buying by large institutions, and expanding access to homeownership for middle- and low-income families. Key measures include tax incentives for developers building affordable units, zoning law adjustments to enable multi-family construction, and restrictions on bulk home purchases by hedge funds and real estate investment trusts (REITs).