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Housing Wealth Equity Projections: How Future Headship and Homeownership Rates Could Affect Racial Gaps

Homeownership is a critical wealth-building tool, but not everyone has the same opportunities to become a homeowner. To better understand the trajectory of homeownership rates—where they have been, where they are going, who has been able to benefit from homeownership, who has not, and who might be able to in the future—the Urban Institute looked at US household formation and homeownership rates by race and ethnicity over time and projected them over the next 20 years.

We found that a combination of economic cycles and public policies have widened racial gaps in homeownership and wealth equity. Our projections reveal significant implications for racial homeownership gaps, seniors’ housing needs, and future housing supply. These national and state-level trends and projections will be key to informing policymakers, thought leaders, and changemakers working to create a more equitable and sustainable housing landscape.

Join us for a summary of our findings and recommendations and a panel discussion of their implications for housing and wealth equity.



  • Lee Anne Adams, Senior Vice President, National Initiatives, NeighborWorks America
  • Debby Goldberg, Vice President of Housing Policy & Special Projects, National Fair Housing Alliance
  • Laurie Goodman, Vice President for Housing Finance Policy, Urban Institute
  • Noerena Limon, Executive Vice President of Public Policy and Industry Relations, National Association of Hispanic Real Estate Professionals 
  • Kim Smith-Moore, Senior Vice President, Social Impact Homeownership Lead, Housing Affordability Philanthropy Team, Wells Fargo Foundation
  • Stockton Williams, Executive Director, National Council of State Housing Agencies
  • Jun Zhu, Nonresident Fellow, Housing Finance Policy Center, Urban Institute
  • Monique King-Viehland, Director, State and Local Housing Policy, Urban Institute (moderator)


Support for this event is provided by a grant from the Wells Fargo Foundation. For more information on the Urban Institute’s funding principles, go to

We strive to host inclusive, accessible events that enable all individuals, including individuals with disabilities, to engage fully. Please email [email protected] if you require any accommodations or have any questions about this event.

Photo credit: Monkey Business Images/Shutterstock


Date & Time Monday, April 26, 2021

  • Institute Fellow
  • Nonresident Fellow
  • Associate Vice President, Metropolitan Housing and Communities Policy