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Misdirected housing supports: Why the mortgage interest deduction unjustly subsidizes high-income households and expands racial disparities

Date Added to Library: 
Monday, July 26, 2021 - 14:46
Individual Author: 
Meschede, Tatjana
Morgan, Jamie
Aurand, Andrew
Threet, Dan
Reference Type: 
Research Methodology: 
Published Date: 
May 2021
Published Date (Text): 
May 2021

The report examines who is likeliest to benefit from the $25 billion annual tax expenditure on the mortgage interest deduction (MID) and finds that most benefits flow to higher-income, disproportionately white homeowners. The authors outline how resources dedicated to the MID could instead be used to support low-income renters and homeowners, through expanding rental assistance, investing in affordable rental housing production, supporting small-dollar mortgage lending, and creating stabilization programs to keep low-income families stably housed. (author abstract)

Geographic Focus: 
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