United for Homes was created to end homelessness, help build a strong foundation and strengthen communities. Families–and especially children–who live in a stable, affordable homes have better health and education outcomes, have greater access to economic opportunities, and benefit from stronger communities.
United for Homes urges reform of the mortgage interest deduction (MID)—a $70 billion a year tax write-off that largely benefits America’s highest income families—and a reinvestment of the savings in housing that serves families with the greatest, clearest, most pressing needs through solutions like the national Housing Trust Fund (HTF) and rental assistance programs.
United for Homes is a national campaign comprised of individuals, elected officials, organizations, and agencies—in all 435 congressional districts—working to end homelessness, build a strong foundation, and strengthen communities. We are united by the belief that everyone deserves a decent, affordable home.
More than 2,300 national, state, and local organizations, as well as government officials, support United for Homes and our proposal.
The National Low Income Housing Coalition (NLIHC) provides staffing for United for Homes. NLIHC is dedicated solely to achieving socially just public policy that assures people with the lowest incomes in the United States have affordable and decent homes.
Record-breaking numbers of families cannot afford a decent place to call home:
Every state and every community is impacted. Families have few options. Each year the shortage gets worse; and that’s why people are homeless in our country and why families struggle to pay for groceries and visits to their doctor.
United for Homes believes that everyone deserves a decent, affordable place to live and we have a plan that can get us there.
We know what works. We just need the political will to do it. Federal investments in housing have a proven track record of reducing housing costs and preventing homelessness. But, these investments are sorely underfunded.
We can make the investments we need without adding any costs to the federal government by reforming the Mortgage Interest Deduction, a tax write-off that largely benefits America’s highest income households. With our simple reforms, millions of low-income homeowners who currently do not benefit from the Mortgage Interest Deduction will get a much-needed tax break and we could investment more than $241 billion over 10 years in housing that serves families with the greatest needs.
United for Homes seeks to end homelessness, build a strong foundation, and strengthen communities by increasing federal investments in housing programs that are sorely underfunded.
We can make the investments we need by reforming the Mortgage Interest Deduction, a tax write-off that largely benefits America’s wealthiest families and reinvesting the savings in housing that serves families with the greatest needs.
Our proposal includes:
This is common sense. And, many experts agree that it’s time to reform the Mortgage Interest Deduction!
Under the United for Homes plan:
Benefits America’s highest income households who do not need help to be stably housed.
According to the Congressional Budget Office, the top 20% of highest income households receive 75% of the benefits of the MID; the top 1% get 15% of the benefits. In fact, $59 billion a year—80% of the MID—goes to households making more than $100,000 a year; $30 billion—40%—goes to households earning more than $200,000.
Moreover, each dollar invested in affordable housing boosts local economies by leveraging public and private resources to generate income—including resident earnings and additional local tax revenue—and supports job creation and retention.
More than 2,300 national, state, and local organizations, as well as government officials and individual advocates, support United for Homes and our proposal. A full list of supporters is available here. You can become a supporter by signing our petition here.