Arctaris workforce housing analysis flags new construction unfinanceable for median non-metro households in some states

  • Arctaris Impact Investors published its Workforce Choke Point Ratio analysis dated June 16, 2026.
  • Metric compares minimum cost to build a new code-compliant home in a state versus the maximum mortgage for national non-metro median-income households.
  • Positive readings signal new workforce housing is mathematically unfinanceable for the median family without subsidy.
  • Negative readings indicate new homes are within reach under the same income and mortgage assumptions.
  • Framework targets supply-side constraints, excluding existing home prices, rents, or inventory from the affordability calculation.


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