Housing affordability debates often blame regulations, but research says constraints miss key differences.
Study instead tracks demand via avg. income growth and population growth across metros.
From 2000–2020, demand indicators better explained varied prices and housing dynamics.
Avg. income growth strongly links to house price growth; prices generally track incomes.
Income growth showed little link to housing supply growth across metro areas.
Housing units often outpaced population; supply growth tied closely to population growth.
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