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Urban Land-Use Controls and the Subprime Mortgage Crisis
By Edwin S. Mills
This article appeared in the Spring 2009 issue of The Independent Review


From 1992 to 2006, the price of houses in the United States nearly tripled, primarily because increasingly stringent, local government land-use controls hampered the construction of urban housing. A full accounting of the U.S. mortgage crisis must recognize the role these restrictions played in distorting the market for subprime loans.

Other Independent Review articles by Edwin S. Mills
    Summer 2010   Letter to the Editor
    Fall 2007   The Attrition of Urban Real-Property Rights

Volume 13 Number 4
Spring 2009

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