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Housing Policy in the United States ReviewIf you're searching for an introductory one-volume treatment of this subject that is also well written and researched, you'd be hard-pressed to top this book. That's not to say that I don't have quibbles; the book could have contained more critical insight and still would have worked fine as an introductory level text.For example both the Low Income Housing Tax Credit and the public housing chapters (chapters 5 and 6) seem to take the inherent value of "deconcentration" and "mixed income" at face value, at a time when both notions are finally beginning to receive long overdue critical attention from social scientists (besides William Julius Wilson), not just planners, pundits, and politicians. It turns out that these notions are highly problematic in their actual application. As Edward Goetz and others have pointed out about the HOPE VI program for instance, "the program is not so much about improving the conditions for previous residents as it is about reclaiming urban neighborhoods for middle- income families." This is a stronger statement than Schwartz makes on p. 118 of the book where he observes instead that the program "does not necessarily improve the lives of all the residents of the original public housing."
It is also neither fair nor balanced for Schwartz to neglect to mention that the 1937 U.S. Housing Act, as one of its many compromises, ITSELF required segregated housing projects (in the book he suggests that segregated public housing was more of a local phenomenon). He also overemphasizes the role of elected officials in Black neighborhoods who he says did not want integrated housing because it would have affected their political base. Does he mean to honestly suggest that the black desire to hold on to what limited political power it possessed during the Jim Crow 1930's is somehow to blame as much for segregated public housing in America as the actions of people such as Rep. Henry Steagall (the House sponsor of the bill) of Alabama? Schwartz's simple and direct discussion of racism in the FHA earlier in the book is better and more honest.
Then there's the simple but honest critical question that Schwartz doesn't really tackle: at a time of record profits in the secondary mortgage market (discussed in pages 56-62), how is it that housing affordability problems continue to exist and in some cases even worsen in city after American city?
On the plus side, the fair housing chapter (chapter 11) is excellent, as is the "stubborn facts of housing policy" section of the last chapter. Also, Schwartz's summary of HUD's programs for the homeless and disabled is one of the most concise I have read.
In the end my nitpicks do not detract from the fact that Schwartz has written the most accessible and comprehensive introductory text on American housing policy out there. By explaining the often byzantine laws and rules governing housing finance, he has performed a much-needed public service. And by clarifying why housing matters (and will continue to matter) in the way that he does, he is positively contributing to a growing and much needed debate.Housing Policy in the United States Overview
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