CONTENTS Acknowledgments ix Introduction 1 Part I What Is Shelter Poverty? 1 Human Needs and Housing Affordability 13 2 The Shelter-Poverty Concept of Affordability32 Part II Why Does Shelter Poverty Exist and Persist? 3 The Historical Roots of the Affordability Problem to the Early 1930s61 4 The Triumph and Illusions of Housing Policy and the Economy, 1930-1970 91 5 Economic Crisis, Shelter Poverty, and Housing Programs, 1970 to the Early 1990s 126 6 The Instability of Housing Production and Finance Since the Late 1960s 163 Part III How Can Shelter Poverty Be Overcome? 7 Social Ownership 191 8 Financing and Implementing Social Ownership218 9 Housing Reform with a Vision: Ownership and Production235 10 Housing Reform with a Vision: Financing and Other Elements258 11 Housing Affordability and Social Change277 12 Conclusion: Shelter Poverty and the Right to Housing 310 Appendix A. Methods and Issues in Deriving the Shelter-Poverty Affordability Standard323 Appendix B. Determining the Extent and Distribution of Housing Affordability Problems: Methodological Comments 345 Appendix C. Tables of Shelter Poverty and Conventional Affordability Problems, 1970-1991 351 Notes361 References 391 Index 417