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Homeownership Alone Won't Close the Racial Wealth Gap

Original: Homeownership Is Not a Solution to the Racial Wealth Gap

The Roosevelt Institute argues that homeownership, long promoted as the main path to building wealth, cannot by itself fix the racial wealth gap in the United States. The think tank's analysis points to structural barriers, from discriminatory lending to unequal housing markets, that have historically kept Black families from gaining the same returns on home purchases as white households, meaning policy must go beyond homeownership incentives.

Why now: Debates over racial inequality and housing policy continue to drive discussion of alternatives to homeownership-based wealth strategies.

Roosevelt InstituteUnited States

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