Deregulation, cheaper mortgages and manufactured homes: How Trump plans to solve housing crisis

[mystery-ak]

Deregulation, cheaper mortgages and manufactured homes: How Trump plans to solve housing crisis

UPDATING Americans are increasingly concerned about affordability issues and, chief among them, housing affordability as a part of the American dream.
By Amanda Head

Published: April 14, 2026 11:08pm

On Monday, the White House released the 2026 Economic Report of the President prepared by the Council of Economic Advisers. It reviews Trump administration policies, including a key chapter on Protecting and Rebuilding the American Dream of Homeownership, which proposed innovative and creative solutions to past issues that led to the current housing crisis.

“We’ve got a 10 million home shortfall, and we’re operating like it's 1946 instead of 2026,” Paolo Tiramani, CEO of BOXABL, told Just The News.

The Housing Crisis and Its Root Causes

The White House report addressed one of the root causes of the crisis, estimating that the national shortage of millions of single-family homes is primarily due to slowed construction after the 2008 financial crisis. It also noted how prior policies raised house prices and mortgage rates, and blamed excessive regulations for inflating building costs.

Other issues have contributed as well: Many communities have zoning laws that limit or prohibit higher-density housing like apartments, duplexes, or townhomes, especially in desirable areas. Local opposition often blocks new development, artificially constraining supply even where demand is strong and contributing to higher prices.

Furthermore, the cost of building materials (such as lumber, steel, and concrete) and skilled labor has risen sharply in recent years, especially after pandemic-related disruptions. These elevated costs make new home construction less profitable or feasible for many builders, particularly for more affordable or smaller units, slowing overall supply growth even in areas open to development.

In recent years, environmental regulations have increased costs exponentially. Former Housing and Urban Development Secretary Ben Carson told Just The News that not only are regulatory costs around a quarter of the budget, but for a new home, another $30,000 of the cost can be attributed to green energy requirements.

"So you can imagine, if you knocked off a quarter of the cost and a good portion of that $30,000, and you had interest rates that were reasonable, you suddenly open up the housing market enormously and the supply becomes more available, and people are willing to move from one house to another house, making the first house available. So this is imminently solvable," Carson noted.

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https://justthenews.com/government/white-house/trumps-housing-crisis-solution-updates-model-1946-2026

[Bigun]

You can add embedded taxes to the list of housing cost drivers!

https://fairtax.org

[DefiantMassRINO]

Skew Federal funds towards YIMBY communities and away from NIMBY communities.

Too much Federal money is wasted in jurisidications where legal delays increase the costs of building things (reducing the efficiency of Federal funds' allocation).

There's a housinig shortage because the areas that need the housing the most don't want it built ... in their backyard.

People will migrate to where the jobs are, where there is a better quality of life, and where the cost of living is more affordable.

[catfish1957]

I am all for common sense deregulation, but OTOH a lot of '08-'09 was self inflicted avoidable stupidity.

No/Bad Credit?
No equity?
Low/No  employment?
Need a $500K home loan?

No problem....

[Timber Rattler]

I am all for common sense deregulation, but OTOH a lot of '08-'09 was self inflicted avoidable stupidity.

No/Bad Credit?
No equity?
Low/No  employment?
Need a $500K home home?

No problem....

And it all led back to racial politics and the Community Reinvestment Act of 1977.

Healthcare insurance is still going higher and higher through the roof.  Just did my annual benefits renewal through my employer and for the same level of family coverage I had for my family in 2025-2026, it's going to cost me an extra $500 per month. 

And then there's that absurd monthly electrical power bill, which is a direct result of the government's willful degradation and destruction of our energy generation industries (i.e. oil and coal) because of "climate change."  Spit!

[DefiantMassRINO]

Along route 2A in Mass, by the Minute Man National Park, the National Park Service has been purchasing and tearing down single family homes to make the area like 1775 again.

[Weird Tolkienish Figure]

Along route 2A in Mass, by the Minute Man National Park, the National Park Service has been purchasing and tearing down single family homes to make the area like 1775 again.

Sigh... good intentions, road to hell etc.. I think there's a "middle way" between unfettered development and nothing but million dollar homes though.

[Fishrrman]

Some of the responses in this thread are surprising.

Is it really "conservative" to force rezoning to permit large multifamily dwellings (which you KNOW are going to end up filled with illegals, low-income and Section 8'ers) in residential towns that don't want them?

What ever happened to home rule and self-determination?

Perhaps there are just too many people now to live comfortably within certain areas.
Do you want everywhere to look like those brutal communist apartments in former red-bloc nations?

(why are some places in the southwest now on the verge of running out of water...?)

[libertybele]

Some of the responses in this thread are surprising.

Is it really "conservative" to force rezoning to permit large multifamily dwellings (which you KNOW are going to end up filled with illegals, low-income and Section 8'ers) in residential towns that don't want them?

What ever happened to home rule and self-determination?

Perhaps there are just too many people now to live comfortably within certain areas.
Do you want everywhere to look like those brutal communist apartments in former red-bloc nations?

(why are some places in the southwest now on the verge of running out of water...?)

Too many people moving into one area and realtors buying up land on the cheap where hurricanes demolished properties has been a disaster for us...the city conveniently allows rezoning to line their pockets. Rezoning has become problematic.

The city can't put in water and sewer quick enough and people on well and septic are running out of water.  They are over building.

We have experienced a housing boom and then a housing crash several times around here.  It will happen again -- houses will eventually become more affordable provided that the market is allowed to govern rather than the government forcing some sort of housing correction.

[jmyrlefuller]

Some of the responses in this thread are surprising.

Is it really "conservative" to force rezoning to permit large multifamily dwellings (which you KNOW are going to end up filled with illegals, low-income and Section 8'ers) in residential towns that don't want them?

What ever happened to home rule and self-determination?

Perhaps there are just too many people now to live comfortably within certain areas.
Do you want everywhere to look like those brutal communist apartments in former red-bloc nations?

(why are some places in the southwest now on the verge of running out of water...?)

Zoning is in and of itself a left-wing concept, the idea of government telling property owners how they can use their property, all the while repeatedly forcing them to pay a fee commensurate with its perceived "value" as determined by a government-appointed assessor.

You accept those things, you accept that we're rationing property. And once the rationing kicks in, all bets on "ownership" are off.

[roamer_1]

People will migrate to where the jobs are, where there is a better quality of life, and where the cost of living is more affordable.

That's not as true as it once was. Now that so much work is available online, people can get paid very well and live wherever... So the real estate is more about bang for buck, and lifestyle/quality of life.

That's why our real estate market has skyrocketed. It used to be governed by local income, regardless of the beauty... Tourists would come by and love it, till they found out about bad winters and how hard it is to make a living here. And that kept em from moving here.

Not anymore. Since the pandemic, our real estate is approaching West Coast values. This house, that I paid 40k for in '12 is currently worth 300k...

and the taxes with it.

This is quickly turning into an Aspen Colorado, where people who actually work can't afford to live here.

[libertybele]

That's not as true as it once was. Now that so much work is available online, people can get paid very well and live wherever... So the real estate is more about bang for buck, and lifestyle/quality of life.

That's why our real estate market has skyrocketed. It used to be governed by local income, regardless of the beauty... Tourists would come by and love it, till they found out about bad winters and how hard it is to make a living here. And that kept em from moving here.

Not anymore. Since the pandemic, our real estate is approaching West Coast values. This house, that I paid 40k for in '12 is currently worth 300k...

and the taxes with it.

This is quickly turning into an Aspen Colorado, where people who actually work can't afford to live here.

I think the value of your home is likely rising due to location; "mountains" and "open spaces" -- people don't want to live in the city anymore.  Who in the heck would still want to live in NYC, Chicago, Detroit, or Little Somalia??  Demographics are changing quickly and people are buying outside of those areas driving up the costs in more rural areas.   Heck you can buy a house in Detroit for next to nothing.  There is no demand for urban dwelling alongside certain ethnic groups.

[roamer_1]

I think the value of your home is likely rising due to location; "mountains" and "open spaces" -- people don't want to live in the city anymore.  Who in the heck would still want to live in NYC, Chicago, Detroit, or Little Somalia??  Demographics are changing quickly and people are buying outside of those areas driving up the costs in more rural areas.   Heck you can buy a house in Detroit for next to nothing.  There is no demand for urban dwelling alongside certain ethnic groups.

That's all right. But why it didn't happen before was the rural life.

There has always been a sharp difference in economy - money means a whole lot less in rural areas because there ain't none. NO JOBS. You make your own way.

It has always been that West Coasters would sell out and move here with a million bucks... Buy a place, and 10 years later, move back to the West Coast broke on their ass.

Not no more. They come, and they stay, because they can do their work online and keep a west coast income, and that is why our markets are going through the roof.

[Weird Tolkienish Figure]

Some of the responses in this thread are surprising.

Is it really "conservative" to force rezoning to permit large multifamily dwellings (which you KNOW are going to end up filled with illegals, low-income and Section 8'ers) in residential towns that don't want them?

What ever happened to home rule and self-determination?

A fair point... best solution is attach strings to the funds we send towns, if we do at all.

[Weird Tolkienish Figure]

Zoning is in and of itself a left-wing concept, the idea of government telling property owners how they can use their property, all the while repeatedly forcing them to pay a fee commensurate with its perceived "value" as determined by a government-appointed assessor.

You accept those things, you accept that we're rationing property. And once the rationing kicks in, all bets on "ownership" are off.

You are correct.

[Idiot]

Just make your first house a tiny house.  No real need for space until you have children. 

[roamer_1]

Just make your first house a tiny house.  No real need for space until you have children.

I did that... 900 ft2. Expanded into the unfinished basement to get somewhere near 1500-1800 ft2. But then I went bust in my business, and what was meant to be a starter home wound up not. We were in that house till my divorce. So don't think it can't go somewhat wrong.

But I will tell you what... Having a 500/mo mortgage payment across all those ups and downs sure wasn't a bad thing. And being able to double the payment a lot of the time was knocking the hell out of it.

We almost moved... right toward the end... I ran onto 5 acres with a 2000 ft2 house that only would have doubled our payment...Such a sweet deal... It had a shop right on the property and expansion in the house (a full,unfinished basement)... Forced sale at half the market price.

But I let it pass by, and a year later began my health collapse. Boy was I happy I didn't have to come up with double the mortgage then.

The moral of this story is not so much the size of things, but do try to practice living well within your means, and save for the rainy day, because it will rain, I guarantee.

[Drago]

Is it really "conservative" to force rezoning to permit large multifamily dwellings (which you KNOW are going to end up filled with illegals, low-income and Section 8'ers) in residential towns that don't want them?

What ever happened to home rule and self-determination?

High density & "affordable" housing rezoning is a statewide mandate in California...local rural/small towns in CA get penalized if they don't comply fast enough. It is wrecking a lot of small and/or rural towns/neighborhoods.

https://www.hcd.ca.gov/rhna

https://www.hklaw.com/en/insights/publications/2025/10/california-gov-gavin-newsom-signs-sb-79

[roamer_1]

High density & "affordable" housing rezoning is a statewide mandate in California...local rural/small towns in CA get penalized if they don't comply fast enough. It is wrecking a lot of small and/or rural towns/neighborhoods.

But I bet all of em still won't allow trailer courts or doublewides... 

[Smokin Joe]

I am all for common sense deregulation, but OTOH a lot of '08-'09 was self inflicted avoidable stupidity.

No/Bad Credit?
No equity?
Low/No  employment?
Need a $500K home loan?

No problem....

The trick was to buy early in a redlined hood, and wait for the prices to go up. New valuation meant instant equity, which could be mined. Then let the home go to foreclosure. Money for nothing...

[Hoodat]

If Congress stopped sucking $2 trillion in capital out of our economy every year, we wouldn't have a housing problem.

[Smokin Joe]

If Congress stopped sucking $2 trillion in capital out of our economy every year, we wouldn't have a housing problem.

Well, we have 20 million illegals who contribute to the lack of space, too, and they're subsidized, sometimes heavily (through fraud).