779:, insurance, maintenance and repairs, and property tax payments are sometimes greater than monthly rental costs. Buildings may also gain and lose substantial value due to real estate market fluctuations, and selling a property can take a long time, depending on market conditions. This can make home ownership more constraining if the homeowner intends to move at a future date. Some home owners see their purchase as an investment and intend to sell or to rent the property after renovating or letting the house appreciate in value (known as
831:
609:
51:
2466:
2492:
2479:
822:. There is also a weak relationship between homeownership and supporting Republican candidates. Data from the UK supports the idea that homeowners view the value of their home as a kind of private, informal insurance policy against economic shocks. A sufficiently valuable home protects the owner without need for government intervention.
786:
Due to the fact that homeowners have a financial stake in their homes, being a homeowner is an economically efficient course of action. In order to improve their physical and mental well-being as well as their level of life satisfaction, they have a motivation to preserve or raise the value of their
751:
Many countries offer aid to prospective homebuyers to make their purchases. These measures include grants, subsidized mortgages, and mortgage guarantees. Prospective homebuyers may have to meet certain qualifications to qualify for government aid, such as being a first-time homebuyer or having an
1554:(or millage tax) periodically. The tax is levied by the governing authority of the jurisdiction in which the property is located; it may be paid to a national government, a federated state, a county or geographical region, or a municipality. Multiple jurisdictions may tax the same property.
787:
properties. Conversely, renters are incentivized to view local issues through a narrow lens, could be unmotivated to participate in civic life, and could see themselves as having little social utility. Compared to
732:
A house is usually the most expensive single purchase an individual or family makes, and often costs several times the annual household income. Given the high cost, most individuals do not have enough
818:. Conversely, when housing prices drop, homeowners are more likely to favor government intervention. In the US, areas with high rates of homeownership have higher levels of
791:
and absentee landlords, owner-occupiers are sometimes seen as more responsible toward property maintenance and community concerns, since they are more directly affected.
2450:
257:
2405:
1682:(2015) Generation X and Y’s demand for homeownership in Hong Kong, Pacific Rim Property Research Journal, 21:1, 15-36, DOI:10.1080/14445921.2015.1026195
1609:
1911:
641:
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802:. However, the housing market crash of 2008 in most of the English-speaking world has caused academic and policy-makers to question this logic.
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1810:
2410:
768:, and creates a right to occupation which can be inherited. In some jurisdictions, it also confers certain legal rights with regard to
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1835:
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2400:
2344:
1949:
577:
2349:
2339:
1906:
1579:
686:
634:
70:
2006:
1896:
1654:
795:
694:
1954:
1851:
1803:
760:
Home ownership gives occupants the right to modify the building and land as they please (subject to government,
1866:
522:
337:
227:
2148:
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Traditionally, home ownership has been encouraged by governments in
Western countries (especially
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2238:
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1969:
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387:
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292:
212:
2334:
2143:
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798:) because it was thought to help people acquire wealth, to encourage savings, and promote
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272:
222:
162:
110:
80:
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815:
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517:
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countries shows that when housing prices rise, individuals are more critical of the
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2062:
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Owning a home influences how an individual views the role of government. Data from
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1984:
1819:
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718:
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442:
187:
135:
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Houses and the land they sit on are expensive, and the combination of monthly
512:
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105:
17:
717:
Some homes are constructed by the owners with the intent to occupy. Many are
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690:
557:
542:
422:
172:
167:
85:
1631:"Owner-Occupied vs. Non-Owner-Occupied Real Estate: What's the Difference?"
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2047:
1830:
1703:
1604:
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741:
726:
532:
482:
362:
252:
130:
100:
90:
788:
769:
702:
317:
120:
95:
42:
2180:
1770:
A World of
Homeowners: American Power and the Politics of Housing Aid
733:
562:
157:
151:
744:. If the home owner fails to meet the agreed repayment schedule, a
736:
on hand to pay the entire amount outright. In developed countries,
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682:
392:
192:
177:
146:
125:
66:
2101:
811:
678:
182:
1792:
1788:
834:
Percentage of owner-occupied units in urban areas, by country
1570:(Land Transfer Tax) which is based on the cost of the home.
748:(known as a repossession in some countries) may result.
740:
are available from financial institutions in return for
1753:
1536:
Source: Housing
Finance Information Network (HOFINET)
1655:"Public spending on financial support to homebuyers"
721:. A large number are purchased, as new homes from a
2363:
2282:
2189:
2061:
2025:
1925:
1844:
1566:home purchasers must pay a one-time tax called a
1785:– Aggregation of Federal Reserve economic data
2451:List of housing markets by real estate prices
1804:
1772:( University of Chicago Press, 2015). 328 pp.
1754:Housing Finance Information Network (HOFINET)
764:, and deed restrictions), protects them from
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8:
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1789:
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642:
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29:
1738:
1610:List of countries by home ownership rate
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1621:
1550:Homeowners are usually required to pay
725:or as an existing home from a previous
41:
844:% Owner-Occupied Units in Urban Areas
705:, owner-occupancy also functions as a
681:in which they live. The home can be a
27:Status of a person who owns their home
1740:10.1146/annurev-polisci-050317-071146
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843:
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7:
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2436:Undergraduate real estate programs
1727:Annual Review of Political Science
1585:Homeownership in the United States
847:Urban Population, % of Total
752:income below a certain threshold.
218:Affordability in the United States
25:
2234:Investment rating for real estate
1783:Home Ownership Rate by U.S. State
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607:
49:
2391:Graduate real estate education
1836:Tertiary sector of the economy
665:in which a person, called the
1:
2345:Real estate investment trust
1950:Extraterrestrial real estate
578:Residential treatment center
2350:Real property administrator
2340:Real estate investment club
1629:Koren, Liran (2022-04-13).
1580:Home ownership in Australia
701:. In addition to providing
2545:
2007:Private equity real estate
796:English-speaking countries
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1955:International real estate
1826:
1723:"The Politics of Housing"
1692:The Advantages of Renting
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826:International statistics
523:Healthy community design
2149:Real estate transaction
2038:Real estate development
1721:Ansell, Ben W. (2019).
1541:Costs of home ownership
2249:Real estate derivative
2209:Effective gross income
1975:Healthcare real estate
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707:real estate investment
278:Housing discrimination
248:Environmental security
2406:Industry trade groups
2310:Exclusive buyer agent
2264:Real estate valuation
2254:Real estate economics
2214:Gross rent multiplier
2043:Real estate investing
1945:Corporate Real Estate
1704:"Shelter, or burden?"
1568:Property Transfer Tax
1558:Property Transfer Tax
833:
762:homeowner association
723:real estate developer
473:Alternative lifestyle
418:Real estate investing
413:Real estate economics
403:Real estate appraisal
141:Mixed-use development
2224:Highest and best use
2190:Economics, financing
2154:Real estate contract
2048:Real estate flipping
2017:Residential property
1960:Lease administration
1912:United Arab Emirates
1635:Luxury Property Care
583:Retirement community
568:Psychiatric hospital
376:Society and politics
2204:Capitalization rate
2199:Asset-based lending
2033:Property management
1938:Commercial building
1933:Commercial property
806:Political influence
729:or owner-occupier.
699:housing cooperative
687:single-family house
154:(travellers' hotel)
2431:Real estate trends
2335:Real estate broker
2305:Chartered Surveyor
2259:Real estate bubble
2239:Mortgage insurance
2072:Adverse possession
1995:Luxury real estate
1970:Garden real estate
1664:. 16 December 2019
1564:Canadian provinces
1116:Republic of Korea
836:
783:if done quickly).
614:Housing portal
593:Supportive housing
408:Real estate bubble
328:Subsidized housing
293:Housing inequality
2506:
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2144:Property abstract
2127:Land registration
2087:Concurrent estate
2012:Real estate owned
2002:Off-plan property
1980:Vacation property
1965:Niche real estate
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303:Luxury apartments
223:Executive housing
16:(Redirected from
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2411:Investment firms
2330:Property manager
2229:Home equity loan
2132:Leasehold estate
2092:Conditional sale
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598:Supported living
573:Residential care
548:Natural building
528:Homeless shelter
433:Right to housing
398:Rapid Re-Housing
353:Sustainable city
323:Subprime lending
308:Ownership equity
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1768:Kwak, Nancy H.
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1763:Further reading
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973:Czech Republic
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655:Owner-occupancy
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478:Assisted living
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388:Housing subsidy
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2497:List of topics
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2260:
2257:
2255:
2252:
2250:
2247:
2245:
2244:Mortgage loan
2242:
2240:
2237:
2235:
2232:
2230:
2227:
2225:
2222:
2220:
2217:
2215:
2212:
2210:
2207:
2205:
2202:
2200:
2197:
2196:
2194:
2192:and valuation
2188:
2182:
2179:
2177:
2176:Torrens title
2174:
2172:
2169:
2167:
2164:
2162:
2161:Real property
2159:
2155:
2152:
2151:
2150:
2147:
2145:
2142:
2138:
2135:
2134:
2133:
2130:
2128:
2125:
2123:
2120:
2118:
2115:
2113:
2110:
2108:
2105:
2103:
2100:
2098:
2095:
2093:
2090:
2088:
2085:
2083:
2080:
2078:
2075:
2073:
2070:
2069:
2067:
2064:
2060:
2054:
2051:
2049:
2046:
2044:
2041:
2039:
2036:
2034:
2031:
2030:
2028:
2024:
2018:
2015:
2013:
2010:
2008:
2005:
2003:
2000:
1996:
1993:
1991:
1990:Golf property
1988:
1986:
1983:
1981:
1978:
1976:
1973:
1971:
1968:
1967:
1966:
1963:
1961:
1958:
1956:
1953:
1951:
1948:
1946:
1943:
1939:
1936:
1935:
1934:
1931:
1930:
1928:
1924:
1918:
1915:
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1910:
1908:
1905:
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1900:
1898:
1895:
1893:
1890:
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1885:
1883:
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1878:
1875:
1873:
1870:
1868:
1865:
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1860:
1858:
1855:
1853:
1850:
1849:
1847:
1843:
1837:
1834:
1832:
1829:
1828:
1825:
1821:
1814:
1809:
1807:
1802:
1800:
1795:
1794:
1791:
1784:
1781:
1780:
1776:
1771:
1767:
1766:
1762:
1755:
1750:
1747:
1741:
1736:
1732:
1728:
1724:
1717:
1714:
1710:. 2009-04-16.
1709:
1708:The Economist
1705:
1699:
1696:
1693:
1688:
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1679:
1676:
1663:
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1647:
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1622:
1615:
1611:
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1603:
1601:
1598:
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1578:
1577:
1573:
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1503:
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1411:
1407:
1404:
1400:
1396:
1393:
1389:
1385:
1382:
1378:
1374:
1371:
1367:
1363:
1360:
1356:
1352:
1349:
1347:South Africa
1345:
1341:
1338:
1334:
1330:
1327:
1323:
1319:
1316:
1312:
1308:
1305:
1301:
1297:
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1290:
1286:
1283:
1279:
1275:
1272:
1268:
1264:
1261:
1257:
1253:
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1235:
1231:
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1224:
1220:
1217:
1213:
1209:
1206:
1202:
1198:
1195:
1191:
1187:
1184:
1180:
1176:
1173:
1169:
1165:
1162:
1158:
1154:
1151:
1147:
1143:
1140:
1136:
1132:
1129:
1125:
1121:
1118:
1114:
1110:
1107:
1103:
1099:
1096:
1092:
1088:
1085:
1081:
1077:
1074:
1070:
1066:
1063:
1059:
1055:
1052:
1048:
1044:
1041:
1037:
1033:
1030:
1026:
1022:
1019:
1015:
1011:
1008:
1004:
1000:
997:
993:
989:
986:
982:
978:
975:
971:
967:
964:
960:
956:
953:
949:
945:
942:
938:
934:
931:
927:
923:
920:
916:
912:
909:
905:
901:
898:
894:
890:
887:
883:
879:
876:
872:
868:
865:
861:
857:
854:
850:
839:
832:
825:
823:
821:
820:voter turnout
817:
816:welfare state
813:
805:
803:
801:
797:
792:
790:
784:
782:
778:
773:
771:
767:
763:
756:Pros and cons
755:
753:
749:
747:
743:
739:
735:
730:
728:
724:
720:
712:
710:
708:
704:
700:
696:
692:
688:
685:, such as a
684:
680:
676:
672:
668:
664:
661:is a form of
660:
656:
645:
640:
638:
633:
631:
626:
625:
623:
622:
616:
615:
599:
596:
594:
591:
589:
586:
584:
581:
579:
576:
574:
571:
569:
566:
564:
561:
559:
556:
554:
551:
549:
546:
544:
541:
539:
536:
534:
531:
529:
526:
524:
521:
519:
518:Halfway house
516:
514:
511:
509:
506:
504:
501:
499:
496:
494:
491:
489:
488:Cottage homes
486:
484:
481:
479:
476:
474:
471:
470:
463:
462:
454:
451:
449:
448:Tenants union
446:
444:
441:
439:
436:
434:
431:
429:
426:
424:
421:
419:
416:
414:
411:
409:
406:
404:
401:
399:
396:
394:
391:
389:
386:
384:
383:Housing First
381:
380:
373:
372:
364:
361:
359:
358:Toxic hotspot
356:
354:
351:
349:
346:
344:
341:
339:
336:
334:
331:
329:
326:
324:
321:
319:
316:
314:
311:
309:
306:
304:
301:
299:
296:
294:
291:
289:
286:
284:
281:
279:
276:
274:
271:
269:
266:
264:
261:
259:
256:
254:
251:
249:
246:
244:
241:
239:
236:
234:
231:
229:
226:
224:
221:
219:
216:
214:
213:Affordability
211:
210:
203:
202:
194:
191:
189:
186:
184:
181:
179:
176:
174:
171:
169:
166:
164:
161:
159:
156:
153:
150:
148:
145:
142:
139:
137:
134:
132:
129:
127:
124:
122:
119:
117:
116:Human outpost
114:
112:
109:
107:
104:
102:
99:
97:
94:
92:
89:
87:
84:
82:
79:
77:
76:semi-detached
74:
72:
68:
65:
64:
57:
56:
52:
48:
47:
44:
43:Living spaces
40:
36:
32:
31:
19:
2495:
2483:
2469:
2416:Land banking
2315:Land banking
2300:Buyer broker
2274:Rental value
2097:Conveyancing
1907:Saudi Arabia
1769:
1749:
1730:
1726:
1716:
1707:
1698:
1687:
1678:
1668:21 September
1666:. Retrieved
1661:
1649:
1638:. Retrieved
1634:
1624:
1590:Imputed rent
1561:
1552:property tax
1549:
1546:Property tax
1535:
1534:
1391:Switzerland
1270:Philippines
1204:New Zealand
1193:Netherlands
809:
793:
785:
774:
759:
750:
731:
716:
674:
670:
666:
658:
654:
653:
605:
553:Nursing home
438:Rent control
338:architecture
333:Sustainable:
297:
268:Homelessness
258:Fair housing
2524:Land tenure
2441:Urban decay
2295:Buyer agent
2117:Foreclosure
2112:Encumbrance
1985:Arable land
1897:Puerto Rico
1845:By location
1820:Real estate
1733:: 165–185.
1094:Kazakhstan
962:Costa Rica
885:Azerbaijan
746:foreclosure
713:Acquisition
695:condominium
677:, owns the
503:Foster care
443:Rent strike
343:development
263:Healthiness
188:Shanty town
143:(live-work)
136:Condominium
2513:Categories
2396:Green belt
2269:Remortgage
2053:Relocation
1852:Bangladesh
1640:2023-07-28
1616:References
1501:Venezuela
1369:Sri Lanka
1336:Singapore
1072:Indonesia
1039:Hong Kong
874:Australia
852:Argentina
675:home owner
513:Group home
498:Ecovillage
493:Eco-cities
106:Green home
2519:Ownership
2381:Filtering
2371:Companies
2290:Appraiser
2171:Severance
1867:Indonesia
1600:Ownership
1523:Zimbabwe
1413:Thailand
1402:Tanzania
1237:Pakistan
1160:Mongolia
1138:Malaysia
951:Colombia
907:Bulgaria
719:inherited
691:apartment
558:Orphanage
543:Log house
423:Redlining
173:Flophouse
86:Apartment
2471:Category
2376:Eviction
2320:Landlord
2122:Land law
1887:Pakistan
1831:Property
1605:Property
1574:See also
1562:In most
1512:Vietnam
1490:Uruguay
1457:Ukraine
1424:Tunisia
1325:Senegal
1292:Romania
1215:Nigeria
1182:Namibia
1171:Morocco
1050:Hungary
1017:Germany
984:Denmark
863:Armenia
841:Country
781:flipping
777:mortgage
770:abutters
766:eviction
742:interest
727:landlord
533:Hospital
483:Boomtown
363:Vagrancy
253:Eviction
238:planning
131:Tenement
101:Ecohouse
91:Bungalow
81:terraced
71:detached
35:a series
33:Part of
2529:Housing
2484:Commons
2401:Indices
2283:Parties
2082:Closing
2026:Sectors
1446:Uganda
1435:Turkey
1380:Sweden
1314:Rwanda
1303:Russia
1281:Poland
1248:Panama
1226:Norway
1149:Mexico
1127:Malawi
1006:France
918:Canada
896:Brazil
789:renters
734:savings
703:housing
697:, or a
121:I-house
96:Cottage
2489:
2476:
2463:
2421:People
2355:Tenant
2181:Zoning
1902:Russia
1892:Panama
1877:Turkey
1857:Canada
1358:Spain
1105:Kenya
1083:Italy
1061:India
1028:Haiti
995:Egypt
940:China
929:Chile
563:Prison
348:living
313:Permit
243:racism
233:design
206:Issues
158:Castle
152:Hostel
2364:Other
2137:Lease
1926:Types
1882:Kenya
1872:Italy
1862:China
1658:(PDF)
1342:100%
1259:Peru
1045:100%
689:, an
683:house
673:, or
466:Other
453:YIMBY
393:NIMBY
193:Villa
178:Shack
168:Squat
147:Hotel
126:Ranch
67:House
2102:Deed
1670:2020
1662:OECD
1529:38%
1518:28%
1507:94%
1496:93%
1485:82%
1474:90%
1463:68%
1452:13%
1441:70%
1430:67%
1419:34%
1408:26%
1397:74%
1386:85%
1375:15%
1364:77%
1353:62%
1331:43%
1320:19%
1309:73%
1298:54%
1287:61%
1276:66%
1265:72%
1254:75%
1243:38%
1232:78%
1221:50%
1210:87%
1199:83%
1188:35%
1177:57%
1166:58%
1155:78%
1144:72%
1133:19%
1122:82%
1111:22%
1089:68%
1078:54%
1067:30%
1056:68%
1034:48%
1023:74%
1012:78%
1001:43%
990:87%
979:74%
968:94%
957:75%
946:45%
935:89%
924:81%
913:73%
902:87%
891:52%
880:89%
869:64%
858:92%
812:OECD
679:home
318:Rent
183:Slum
60:Main
2063:Law
1735:doi
1504:83%
1493:59%
1482:65%
1471:50%
1438:81%
1427:78%
1416:75%
1394:40%
1383:41%
1372:82%
1361:85%
1350:62%
1339:87%
1306:81%
1295:97%
1284:78%
1273:80%
1251:66%
1229:77%
1218:10%
1207:67%
1196:59%
1185:69%
1174:62%
1152:71%
1119:56%
1097:96%
1086:80%
1075:67%
1064:87%
1053:93%
1042:53%
1031:60%
1020:43%
1009:47%
998:37%
987:54%
976:47%
965:75%
954:50%
943:89%
932:69%
921:68%
910:87%
899:74%
888:71%
877:68%
866:96%
855:67%
657:or
2515::
1731:22
1729:.
1725:.
1706:.
1660:.
1633:.
1100:-
772:.
709:.
693:,
669:,
69::
37:on
1812:e
1805:t
1798:v
1743:.
1737::
1672:.
1643:.
1526:-
1515:-
1460:-
1449:-
1405:-
1328:-
1317:-
1262:-
1240:-
1163:-
1141:-
1130:-
1108:-
643:e
636:t
629:v
20:)
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