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Journal articles on the topic 'Affordability'

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Published: 4 June 2021
Last updated: 6 September 2023

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1

Mahoney, Paul. "Affordability." North Carolina Medical Journal 63, no. 1 (January 2002): 58–60. http://dx.doi.org/10.18043/ncm.63.1.58.

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2

Hill, Catharine B., Gordon C. Winston, and Stephanie A. Boyd. "Affordability." Journal of Human Resources XL, no. 4 (2005): 769–90. http://dx.doi.org/10.3368/jhr.xl.4.769.

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3

Peattie, Lisa R. "Affordability." Habitat International 11, no. 4 (January 1987): 69–76. http://dx.doi.org/10.1016/0197-3975(87)90009-9.

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4

Mercer, Kenneth L. "Affordability." Journal - American Water Works Association 112, no. 8 (August 2020): 1. http://dx.doi.org/10.1002/awwa.1548.

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5

Pawson, Hal. "Understanding affordability." Housing Studies 35, no. 9 (August 26, 2020): 1628–29. http://dx.doi.org/10.1080/02673037.2020.1811447.

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6

Hegele, Robert A. "Insulin affordability." Lancet Diabetes & Endocrinology 5, no. 5 (May 2017): 324. http://dx.doi.org/10.1016/s2213-8587(17)30115-8.

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7

Kuehn, Bridget M. "Insurance Affordability." JAMA 301, no. 24 (June 24, 2009): 2542. http://dx.doi.org/10.1001/jama.2009.857.

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8

Hughes, James W. "Homeownership affordability seriesClashing demographics: Homeownership and affordability dilemmas." Housing Policy Debate 2, no. 4 (January 1991): 1217–50. http://dx.doi.org/10.1080/10511482.1991.9521088.

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9

Warren, Emily J. "Housing affordability and material hardship: Does affordability measurement matter?" Journal of Poverty 22, no. 3 (January 4, 2018): 228–47. http://dx.doi.org/10.1080/10875549.2017.1419527.

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10

Metsola, Lalli. "Affordability and relationality." Focaal 2022, no. 94 (December 1, 2022): 38–56. http://dx.doi.org/10.3167/fcl.2022.940103.

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Despite the professed break from apartheid, a dual logic continues to reproduce the segregated city structure in Windhoek, Namibia’s capital. On the one hand, the formal regulation of access to urban land, housing, and basic services privileges property ownership and ratepaying. On the other hand, for the informal residents, access is provisional and incremental, and depends on cultivating relations with peers and authorities. However, the latter logic of access also contributes to a moral imagination that challenges entitlement based on market participation. The article argues that everyday urban governance and urban citizenship in Windhoek arise out of the coexistence, clashes, and collusions between these logics in policies and planning, the residents’ claims of entitlement, and the communication between residents and authorities. The article is based on fieldwork conducted in 2016 and 2019.
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11

Carrow, Grant M. "Affordability of Science." Science 249, no. 4971 (August 24, 1990): 843. http://dx.doi.org/10.1126/science.249.4971.843.a.

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12

Lee, Michael. "Myths of Affordability." Third World Planning Review 7, no. 2 (May 1985): 131. http://dx.doi.org/10.3828/twpr.7.2.l657781612231730.

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13

Rotarius, Timothy, and Aaron Liberman. "Health Care Affordability." Health Care Manager 34, no. 4 (2015): 288–92. http://dx.doi.org/10.1097/hcm.0000000000000077.

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14

Hodge, David C. "Increasing Tuition's Affordability." Computer 45, no. 4 (April 2012): 86–88. http://dx.doi.org/10.1109/mc.2012.136.

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15

MALLEY, KENNETH C. "Affordability through Commonality." Naval Engineers Journal 104, no. 4 (July 1992): 45–46. http://dx.doi.org/10.1111/j.1559-3584.1992.tb01107.x.

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16

Rains, Dean A. "Naval Ship Affordability." Naval Engineers Journal 108, no. 4 (July 1996): 19–30. http://dx.doi.org/10.1111/j.1559-3584.1996.tb02891.x.

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17

Gabriel, Stuart, and Gary Painter. "Why affordability matters." Regional Science and Urban Economics 80 (January 2020): 103378. http://dx.doi.org/10.1016/j.regsciurbeco.2018.07.001.

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18

Appelbaum, Richard P. "The affordability gap." Society 26, no. 4 (May 1989): 6–8. http://dx.doi.org/10.1007/bf02701231.

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19

Cohen, Alan B. "Health Care Affordability." Health Affairs 22, no. 5 (September 2003): 260. http://dx.doi.org/10.1377/hlthaff.22.5.260.

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20

Carrow, G. M. "Affordability of Science." Science 249, no. 4971 (August 24, 1990): 843. http://dx.doi.org/10.1126/science.249.4971.843.

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21

Pate, Jennifer, and Derek Malone. "Budgeting for Affordability." TCB: Technical Services in Religion & Theology 30, no. 4 (October 25, 2022): 1–3. http://dx.doi.org/10.31046/tcb.v30i4.3133.

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22

Tuttle, Paul, and Joseph Bobinis. "4.6.2 Specifying Affordability." INCOSE International Symposium 23, no. 1 (June 2013): 662–76. http://dx.doi.org/10.1002/j.2334-5837.2013.tb03046.x.

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23

Gawel, Erik, Katja Sigel, and Wolfgang Bretschneider. "Affordability of water supply in Mongolia: empirical lessons for measuring affordability." Water Policy 15, no. 1 (September 26, 2012): 19–42. http://dx.doi.org/10.2166/wp.2012.192.

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Affordability of water services is a pressing water policy issue for both the developed and, in particular, for the developing world. Despite its well-known theoretical shortcomings, affordability analysis of water supply has, up to now, been widely based on the ratio of a household's water expenditure to its income, the Conventional Affordability Ratio (CAR). However, in the housing sector, alternative concepts for measuring affordability have been developed, among them being the ‘Potential Affordability Approach’ (PAA) and the ‘Residual Income Approach’ (RIA). Against this background, this paper compares these three prominent affordability measures (CAR, PAA, RIA) on the basis of an empirical case study of a peri-urban, low-income area in the second largest Mongolian city of Darkhan, using household data from a survey conducted in 2009. Thus we gain insight into both the water-related affordability situation of people in Mongolia, checking the World Bank's finding of an absence of water affordability problems in peri-urban areas in the Mongolian capital Ulaanbaatar, as well as into the comparative functionality of different affordability measures. It is shown that affordability problems do occur but have to be distinguished depending on the economic causation. We argue that none of the regarded measures give a satisfyingly contoured notion of affordability properly distinguished from the adjacent problems of poverty and access.
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24

Bujang, A. A., W. R. Anthony Jiram, H. Abu Zarin, and F. H. Md Anuar. "Measuring the Gen Y Housing Affordability Problem." International Journal of Trade, Economics and Finance 6, no. 1 (February 2015): 22–26. http://dx.doi.org/10.7763/ijtef.2015.v6.435.

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25

Greenaway-McGrevy, Ryan, and Peter C. B. Phillips. "House prices and affordability." New Zealand Economic Papers 55, no. 1 (January 2, 2021): 1–6. http://dx.doi.org/10.1080/00779954.2021.1878328.

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26

Elfman, Lois. "Champion DEI, affordability, accessibility." Dean and Provost 23, no. 8 (March 16, 2022): 12. http://dx.doi.org/10.1002/dap.31019.

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27

Mumm, Jason. "Accepting the Affordability Challenge." Journal - American Water Works Association 104, no. 5 (May 2012): 25–28. http://dx.doi.org/10.5942/jawwa.2012.104.0069.

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28

Bramley, Glen. "Homeownership affordability in England." Housing Policy Debate 3, no. 3 (January 1992): 815–53. http://dx.doi.org/10.1080/10511482.1992.9521111.

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29

Guttentag, Jack M., and Allan J. Redstone. "Temporary Buydowns and Affordability." Real Estate Economics 22, no. 3 (September 1994): 479–96. http://dx.doi.org/10.1111/1540-6229.00644.

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30

Yates, Judith. "Australia's Housing Affordability Crisis." Australian Economic Review 41, no. 2 (June 2008): 200–214. http://dx.doi.org/10.1111/j.1467-8462.2008.00502.x.

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31

Kamal-Yanni, Mohga. "Hepatitis C drug affordability." Lancet Global Health 3, no. 2 (February 2015): e73-e74. http://dx.doi.org/10.1016/s2214-109x(14)70365-1.

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32

Trojanek, Radosław. "Housing affordability in Poland." International Journal of Academic Research 5, no. 4 (July 5, 2013): 183–87. http://dx.doi.org/10.7813/2075-4124.2013/5-4/b.27.

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33

Antos, Joseph R. "The Uninsured And Affordability." Health Affairs 27, no. 2 (March 2008): 587–88. http://dx.doi.org/10.1377/hlthaff.27.2.587-a.

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34

de Chastel, Liz. "Housing affordability PIA position." Australian Planner 44, no. 3 (September 2007): 18–19. http://dx.doi.org/10.1080/07293682.2007.9982583.

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35

Blecher, Evan, Hana Ross, and Maria E. Leon. "Cigarette affordability in Europe." Tobacco Control 22, no. 4 (October 23, 2012): e6-e6. http://dx.doi.org/10.1136/tobaccocontrol-2012-050575.

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36

Swerissen, Hal, and Lucinda Jordan. "Factors affecting Medicare affordability." Australian Journal of Primary Health 10, no. 3 (2004): 144. http://dx.doi.org/10.1071/py04059.

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The Commonwealth Government, currently, does not have a primary health care policy. Instead, policy is heavily focused on general practitioners (GPs) and, in particular, on payment arrangements. Since 2000 bulk-billing rates have declined significantly in Australia, raising concerns about affordability and access to health care. This paper examines the relationship between affordability, health need, the supply of GPs, and capacity to pay. Bulk-billing and per capita consultation rates are likely to be higher and co-payments lower in areas where GP supply is higher, health needs are high and capacity to pay is low. Implications for the Commonwealth Government?s new MedicarePlus package are also discussed in light of the findings.
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37

Davis, Corey, and Derek Carr. "Naloxone affordability measures needed." Journal of the American Pharmacists Association 57, no. 6 (November 2017): 740–41. http://dx.doi.org/10.1016/j.japh.2017.06.001.

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38

Thomas, M. C. "Initiatives for Superalloy Affordability." Advanced Engineering Materials 2, no. 9 (September 2000): 608–9. http://dx.doi.org/10.1002/1527-2648(200009)2:9<608::aid-adem608>3.0.co;2-i.

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39

Wendel, JoAnna. "Addressing flood insurance affordability." Eos, Transactions American Geophysical Union 95, no. 30 (July 29, 2014): 271. http://dx.doi.org/10.1002/2014eo300004.

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40

McCord, Michael James, Peadar T. Davis, Martin Haran, and John McCord. "Analysing housing market affordability in Northern Ireland: towards a better understanding?" International Journal of Housing Markets and Analysis 9, no. 4 (October 3, 2016): 554–79. http://dx.doi.org/10.1108/ijhma-09-2015-0054.

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Purpose The purpose of this research is to examine the nature of housing market affordability. Although the problem of housing affordability has been widely discussed, the theoretical underpinnings of the concept have received less attention. It has become increasingly evident that more holistic insights and integrated approaches are needed to provide a platform to define affordability to influence research and policy discourse. Design/methodology/approach Given the increasing importance of affordability within housing policy reform, this paper seeks to “unearth” the most important prognosticators of affordability. The paper uses principal component analysis to determine how affordability, as a key policy tool, should be analysed. In addition, co integration techniques, Granger causality and impulse response analysis are applied to test the movement and shocks of the key affordability indicators and the two common affordability metrics. Findings The principal conclusions stemming from this paper demonstrate that affordability is a multifaceted policy concept influenced by financial access (purchase) costs and the repayment costs of housing services which are correlated and interchangeable but significantly were found not to be co integrated. Originality/value Understanding the nature of housing market affordability remains problem for policy-makers. This paper adds to the debate and empirical understanding of the cyclic nature of affordability and how it is defined. It shows that there are intricate causal short-term relationships between the key affordability indicators. This is problematic for contemporary housing policy and the key directions in which policy must turn.
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41

Rabtsevich, O. V., and A. A. Uvarova. "HOUSING AFFORDABILITY IN RUSSIAN REGIONS: ANALYSIS AND AGGREGATE ASSESSMENT." Construction economic and environmental management 77, no. 4 (2021): 39–49. http://dx.doi.org/10.37279/2519-4453-2020-4-39-49.

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Housing affordability in the regions of Russia based on the calculation of indicators that characterize the ability of citizens to improve housing conditions in the housing market and in the rental market is analyzed in this paper. Approach to a comprehensive assessment of housing affordability in the regions based on determining the aggregate rating of the region by the level of housing affordability is developed by the authors. The proposed approach is based on the method of sums of ranks – the aggregate rating of the region by housing affordability is determined by using the total rank of the region by the level of housing affordability. Sum of ranks of region by indicators of housing affordability is total rank of the region. The approach developed by the authors allows for a comprehensive analysis of housing affordability in the regions, taking into account the investment opportunities of the population in the primary and secondary housing market, in the rental housing market, as well as the availability of housing mortgage lending in Russia. Assessment of the aggregate housing affordability rating is the basis for analyzing housing affordability at different stages of housing reproduction. The proposed approach also allows to analyze the relationship between the comprehensive level of housing affordability in the regions and other parameters that characterize the development of the housing sector. The proposed approach is tested in this article. Significant differences in the level of investment opportunities for households in the regional housing markets was shown based on the determination of the aggregate rating of housing affordability in 78 regions of Russia. The influence of housing affordability in the regions on the volume of housing construction based on the analytical grouping of data was shown.
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42

Cheung, Ka Shing, and Siu Kei Wong. "Entry and exit affordability of shared equity homeownership: an international comparison." International Journal of Housing Markets and Analysis 13, no. 5 (August 30, 2019): 737–52. http://dx.doi.org/10.1108/ijhma-06-2019-0059.

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Purpose Shared equity homeownership is a form of subsidised, resale-restricted housing through which lower-income households can sustain their affordability. This paper aims to distinguish two types of affordability within shared equity homeownership: “entry affordability” indicates how affordable subsidised housing is when a household first becomes a subsidised owner; while “exit affordability” means how affordable private housing is after a household has enjoyed subsidised homeownership for a period of time. Design/methodology/approach Using price-to-income ratios, this study compares the entry and exit affordability of shared equity homeownership programs in Australia, Mainland China, Hong Kong, Norway, the UK and the USA. Based on these international comparisons, this study generalises two distinct types of shared equity homeownership models, namely, the models of “share-to-buy” and “share forever”. A new model, “follow-as-you-go”, is further suggested to increase the elasticity of potential affordable housing supply by providing incentives for existing subsidised homeowners to move. Findings A key finding of this study is that while shared equity homeownership programs can improve entry affordability, homeowners’ exit affordability is weak when subsidised homeowners have to share their capital gain with the government. While many housing policy discussions around the world that support shared equity homeownership focus only on the improvement of entry affordability, these discussions usually ignore the importance of exit affordability. This study attempts to fill the void in the understanding of these two types of affordability. Originality/value Shared equity homeownership policy is not only about offering low-income households but also an affordable housing option. It is also about facilitating well-off subsidised homeowners to move up the housing ladder so that the affordable housing option can be freed up for others in need. In a word, it is not only entry affordability but also exit affordability that matters.
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43

Liu, Jian, and Huay Ying Ong. "Can Malaysia’s National Affordable Housing Policy Guarantee Housing Affordability of Low-Income Households?" Sustainability 13, no. 16 (August 7, 2021): 8841. http://dx.doi.org/10.3390/su13168841.

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Housing affordability is a long-held issue in Malaysia, and housing policies have been implemented for low-income households over the years. However, there is a contradiction that housing affordability of low-income households has not been met, while the bulk of affordable housing is still vacant. In 2019, Malaysia enacted the National Affordable Housing Policy (DRMM) which was intended to improve housing affordability for low-income groups. This paper aims to answer why Malaysia’s long-term implementation of affordable housing policies cannot guarantee housing affordability, and whether the DRMM can effectively improve housing affordability as expected, by comparing the empirical factors of housing affordability. A literature review and a comparative analysis are adopted in the research. The paper concludes that low household income, high land price, construction cost and compliance cost, mismatch of supply and demand in terms of quantity, the instability of the national economy, low home financing ability, and incomprehensive housing planning have caused low housing affordability of low-income groups in Malaysia. The DRMM as anticipated can improve housing affordability by supplying affordable housing more precisely, lowering housing costs, and improving home financing ability. However, the exclusion of household income and economic factors may cause the ineffectiveness of the DRMM in improving housing affordability for low-income households.
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44

Kostelecký, Tomáš, and Jana Vobecká. "Housing Affordability in Czech Regions and Demographic Behaviour - Does Housing Affordability Impact Fertility?" Czech Sociological Review 45, no. 6 (December 1, 2009): 1191–214. http://dx.doi.org/10.13060/00380288.2009.45.6.02.

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45

Wu, Marcus Shihong, Adam M. Ross, and Donna H. Rhodes. "Design for Affordability in Complex Systems and Programs Using Tradespace-based Affordability Analysis." Procedia Computer Science 28 (2014): 828–37. http://dx.doi.org/10.1016/j.procs.2014.03.098.

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46

Jiburum, Uloma, Maxwell Umunna Nwachukwu, Harold Chike Mba, Celestine Nnaji Okonkwo, and Donald Chiuba Okeke. "Determinants of Public Housing Affordability for Large Income Diversity Groups in a New-Town Capital City: A Case Study of Abuja, Nigeria." SAGE Open 11, no. 3 (July 2021): 215824402110450. http://dx.doi.org/10.1177/21582440211045079.

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Scholars are polarized on the issue of the best approach for measuring housing affordability. This has generated a lack of consensus on the best method to adopt in measuring the concept. Consequently, this study is set-out to extend the literature on housing affordability by examining the public housing affordability for each income group in Nigeria using Abuja as a case study city. This study is aimed at providing the contextual framework for the redefinition of housing affordability based on the diversity of income. The housing cost approach was used to measure housing affordability, whereas the principal component analysis determined factors that caused the unaffordable housing market. The results showed that public housing was not affordable to low and medium-income earners. The unaffordable housing market for each of the three income groups was influenced by diverse factors. Consequently, public housing provision should consider the affordability of each income group. This is because factors that determine housing affordability are peculiar to each of the three income groups.
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47

Wang, Zhimin, Jung Hoon, and Benson Lim. "The Impacts of Housing Affordability on Social and Economic Sustainability in Beijing." Australasian Journal of Construction Economics and Building - Conference Series 1, no. 1 (February 5, 2013): 47. http://dx.doi.org/10.5130/ajceb-cs.v1i1.3154.

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China has undergone significant housing price growth since its 1998’s policy reformation – triggering housing affordability issues in large cities such as Beijing and Shanghai. Although studies have been done to investigate Chinese cities’ housing market policies, it appears that hitherto little is known about the effect of housing affordability on the cities’ social and economic sustainability. The aim of this paper is to investigate the relationships among housing affordability, macro-economic performance and socio-demographic trends in Beijing. Under this aim, the specific objectives are to: examine Beijing’s housing market performance, housing affordability, economic development and socio-demographic trends; and model the relationships among housing affordability, economic performance and socio-demographic trends in Beijing. Twelve years of retrospective census data from National Bureau of Statistics of China were collated and analysed. The results show that economic growth is positively influenced by housing affordability. However, it is shown that low level of housing affordability could lead to economic and social un-sustainability. This research informs urban planners and researchers about the effect of housing affordability on a nation’s urban economic and social development, offering a new plausible insight towards developing a sustainable housing market.
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48

Mukayev, Daulet, Urpash Shalbolova, and Justyna Tanaś. "Housing affordability analysis in Kazakhstan based on D-HAQ model." JOURNAL OF INTERNATIONAL STUDIES 15, no. 4 (December 2022): 28–42. http://dx.doi.org/10.14254/2071-8330.2022/15-4/2.

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Housing affordability is an acute socio-economic problem in many countries, and Kazakhstan is no exception. The purpose of the article is to assess the affordability of purchasing houses in the regions of Kazakhstan, taking into account dynamic changes in household income and expenditures. The analysis used data from 17 regions of Kazakhstan for 2021, which were collected from the Bureau of National Statistics, Statistical Bulletin of the National Bank, and analytical web portal. Based on the data, three indicators – down payment affordability (DPA), monthly repayment affordability (MRA), and dynamic indicator TAM, which is the time to achieve adequate MRA – were calculated. Then the Housing Affordability Quadrant was built. The results of the analysis showed that all regions of Kazakhstan are located in the third quadrant. This means that households in these regions have difficulty making both down and monthly payments. Full housing affordability in any part of the country is not observed. Then the affordability of housing under the preferential mortgage lending program was assessed, and as a result, housing affordability improved only slightly. The authors concluded that the lower the solvency of monthly payments, the less effective the effect of increasing affordability by lowering the interest rate on mortgage loans. Instead, it is recommended to take state control of prices in the real estate market in each region of Kazakhstan.
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49

Rangel, Gary John, Jason Wei Jian Ng, Thangarajah Thiyagarajan Murugasu, and Wai Ching Poon. "Measuring Malaysian housing affordability: the lifetime income approach." International Journal of Housing Markets and Analysis 12, no. 5 (October 7, 2019): 966–84. http://dx.doi.org/10.1108/ijhma-02-2019-0023.

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Purpose The purpose of this paper is to measure the long-run housing affordability of Malaysia over time for households at various income levels and to demonstrate how short- and long-run affordability measures can reach contradicting conclusions. Design/methodology/approach In this study, a long-run housing affordability index (HAI) for Malaysia was constructed for the sample period 1995 to 2014, using data from house prices and household incomes. The HAI was also modified to compute a mortgage affordability index (MAI) to account for intergenerational transfers. Findings The results show that households at the 25th income percentile cannot afford any of the four dwelling types in Malaysia. For households at the 40th income percentile and the median income levels, high-rise and terrace housing are affordable. However, significant downward trends in HAI and MAI are documented beginning 2009, which indicates increasing housing stress for households at or below the median income. The short-run affordability measure represented by the median multiple (MM) indicator showed bleaker conclusion for housing affordability, with all dwelling types considered unaffordable over the entire sample period Practical implications On the basis of the empirical results, this paper provided several long-term proposals to ameliorate the housing affordability problem in Malaysia. Originality/value With the MM ratio being the official affordability measure reported for Malaysia, this study introduces the nation’s first long-run housing affordability measure. It is hoped that this long-run measure will achieve widespread adoption in Malaysia. Given the deteriorating long-term affordability, this study offers several possible long-term solutions.
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50

Glied, Sherry. "Mandates and the Affordability of Health Care." INQUIRY: The Journal of Health Care Organization, Provision, and Financing 46, no. 2 (May 2009): 203–14. http://dx.doi.org/10.5034/inquiryjrnl_46.02.203.

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This paper examines the economic rationale of affordability exemptions in the context of a health insurance mandate. I provide an economic definition of affordability and discuss how it is implemented in the contexts of food, housing, and health care. Affordability standards are frequently used in making food and housing policy, but both empirically and theoretically health care operates quite differently than these other merit goods. This helps explain why the use of affordability in health policymaking is so different from its use in these other contexts. I conclude with some suggestions about how to improve affordability exemption rules in health policymaking.
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