Recent lewis_oa items

Putting Automobile Debt on the Map: Race and the Geography of Automobile Debt in California

Tue, 30 Sep 2025 00:00:00 +0000

Most U.S. metropolitan areas developed alongside the automobile, producing neighborhoods of relatively low density. Consequently, access to opportunities in these neighborhoods is predicated on having an automobile, yet many households do not have the resources to purchase one outright, relying on automobile loans to spread out the purchase price. While automobile loans can enable automobile ownership, they also significantly increase the vehicle purchase price, particularly for non-white consumers subject to discriminatory lending practices.In this study, we rely on data from the University of California Consumer Credit Panel from Experian to examine the determinants and geography of automobile debt and its consequences in California, testing whether various automobile debt measures disproportionately affect non-white neighborhoods.We find that, controlling for other factors associated with automobile lending including income, Black and Latino/a neighborhoods have higher total...

Does Discretion Delay Development?

Thu, 8 Aug 2024 00:00:00 +0000

Problem, research strategy, and findingsLocal governments sometimes approve multifamily housing through a discretionary process, meaning a public body must vote to entitle the proposal before it can seek a building permit. By-right entitlement, in contrast, allows developers to apply directly for a building permit. We tested the hypothesis that by-right approvals are faster. Faster approval can make multifamily development more feasible, which can in turn improve housing affordability. Analyses of approval pathways are often confounded by project size and complexity, but we exploited a provision in the Los Angeles Transit-Oriented Communities (TOC) program that allowed many large projects to use by-right approval. Using data from roughly 350 multifamily projects permitted in Los Angeles (CA) from January 2018 through March 2020, we compared approval timelines for both by-right and discretionary projects. We found that by-right projects were permitted 28% faster...

Planning for and Against Vehicular Homelessness: Spatial Trends and Determinants of Vehicular Dwelling in Los Angeles

Thu, 8 Aug 2024 00:00:00 +0000

Problem, research strategy, and findings

Shelter is a necessity, yet approximately 17 out of every 10,000 people in the United States are unhoused. Public attention to homelessness has centered on individuals sitting and sleeping in public spaces. However, as many as 50% of the unsheltered live in vehicles. For people sleeping in vehicles, finding a safe place to park is an ongoing challenge, further complicated by the growing number of ordinances restricting vehicular dwelling. We drew on point-in-time count data from the Los Angeles (CA) Homeless Services Authority to examine spatial patterns of vehicular homelessness in Los Angeles from 2016 to 2020. We tested the relationship between the presence of vehicle regulations and the number of people sleeping in vehicles. Although the data likely underestimated vehicular homelessness, we found that ordinances directly reduced the number of people living in vehicles in particular census tracts. On average,...

Driving A-loan: Automobile debt, neighborhood race, and the COVID-19 pandemic

Wed, 7 Aug 2024 00:00:00 +0000

COVID-19 altered travel patterns in the U.S. Studies have analyzed the effect of the pandemic on travel mode, including working from home, but few have focused on automobile ownership—a relationship with potentially long-term consequences for accessibility, household budgets and debt, and policy efforts to meet climate goals.To understand the association between the pandemic and automobile ownership, we rely on a unique credit panel dataset from Experian and examine three different automobile loan-related outcome measures: annualized growth rate of new automobile loan balances, average new loan size, and the number of new loans. We focus specifically on changes across loans in neighborhoods by race/ethnicity, hypothesizing larger increases in automobile debt in Black and Latino/a neighborhoods, where workers are less likely to be able to telework. The annualized growth rate of new automobile loans increased during the pandemic across all neighborhoods by race/ethnicity, increasing...

Can Subsidized Carshare Programs Enhance Access for Low-Income Travelers?

Tue, 6 Aug 2024 00:00:00 +0000

Problem, research strategy, and findings

Carsharing programs—subscription-based car rentals—allow users to purchase only the automobility that they need. These programs may benefit low-income travelers by increasing access at lower prices than private auto ownership. Most carshare programs, however, disproportionately serve higher-income drivers. To assess carsharing’s potential to address the accessibility needs of disadvantaged households, we interviewed members of BlueLA, an electric carsharing program in central Los Angeles (CA) that offers both subsidized and regular memberships. We found few differences in how travelers with different membership types used BlueLA. They both used the service to complement travel by other modes like public transit and ridehail. In addition, members cited the benefits of gaining car access without the financial burden of car ownership or the unpredictability of ridehail fares. Neighborhood context, including residential...

Meaningful Action: Evaluating Local Government Plans to Affirmatively Further Fair Housing in California

Thu, 13 Jun 2024 00:00:00 +0000

A 2018 California law requires local governments to affirmatively further fair housing (AFFH) in their General Plan’s housing element. This paper examines how eight municipalities reacted to this requirement in three areas of their 2021 plans: the analysis of fair housing issues, proposed fair housing programs, and the location of sites identified for low-income housing development. We consider whether these cities’ over 200 fair housing programs are meaningful actions by evaluating their potential impact, and measure the distribution of proposed sites for new low-income housing across neighborhoods. The cities created many new programs in response to the mandate; however, most programs do not meaningfully advance fair housing goals. Moreover, most cities do not modify land-use plans to allow affordable housing in affluent neighborhoods. Additionally, we find a mismatch in the plans. The affluent, majority-white cities that developed more meaningful fair housing programs continued...

Do Land Use Plans Affirmatively Further Fair Housing?

Fri, 4 Aug 2023 00:00:00 +0000

Problem, research strategy, and findings

The 1968 Fair Housing Act required local government recipients of federal money to take meaningful actions to affirmatively further fair housing (AFFH). Current fair housing analysis requirements are copious but do not request an assessment of how land use policies affect the potential for neighborhood integration. A recent California law requires local governments to include AFFH analysis in existing planning processes, and state guidelines encourage the measurement of the spatial distribution of planned sites for low-income housing with respect to opportunity. We propose and evaluate a fair housing land use score (FHLUS) that measures whether local governments’ land use policies promote inclusion across neighborhoods. We illustrate the FHLUS by examining zoning and housing plans for three municipalities in California that differ in terms of neighborhood variation in incomes. In all three cases, we found that...

Who Lives in Vehicles and Why? Understanding Vehicular Homelessness in Los Angeles

Tue, 4 Apr 2023 00:00:00 +0000

Homelessness continues to grow and to affect the lives of an increasingly diverse group of individuals. Many scholars have studied people living in homeless shelters and outdoors in tents. An overlooked population is the growing number of the unhoused living in vehicles. We draw on data from the Los Angeles Homeless Services Authority’s Homeless Demographic Survey to understand the characteristics of people living in vehicles and the extent to which they differ from the nonvehicular unhoused population. Compared to those living in tents, in makeshift shelters, and in public spaces, people living in vehicles are more likely to be women and to live in larger households with children, and are less likely to be chronically unhoused. These findings will help effectively target policies and services. Safe parking programs can provide temporary relief to those living in vehicles and, if done well, the interventions necessary to transition into permanent housing.

Last Thoughts From Manville, Monkkonen, and Lens

Tue, 4 Apr 2023 00:00:00 +0000

This article responds to: The View From Minneapolis: Comments on “Death to Single-Family Zoning” and “It’s Time to End Single-Family Zoning”, Ending Single-Family Zoning: Is There a Plan B?, Not a Matter of Choice: Eliminating Single-Family Zoning, Calls to End All Single-Family Zoning Need More Scrutiny, Eliminating Existing Single-Family Zoning Is a Mistake, Though Rumors of Its Demise Might Be Exaggerated…, The Detached Single-Family Home Genie and Its Bottle

It's Time to End Single-Family Zoning

Tue, 4 Apr 2023 00:00:00 +0000

Local planning in the United States is unique in the amount of land it reserves for detached single-family homes. This privileging of single-family homes, normally called R1 zoning, exacerbates inequality and undermines efficiency. R1’s origins are unpleasant: Stained by explicitly classist and implicitly racist motivations, R1 today continues to promote exclusion. It makes it harder for people to access high-opportunity places, and in expensive regions it contributes to shortages of housing, thereby benefiting homeowners at the expense of renters and forcing many housing consumers to spend more on housing. Stacked against these drawbacks, moreover, are a series of only weak arguments in R1’s favor about preferences, aesthetics, and a single-family way of life. We demonstrate that these pro-R1 concerns are either specious, or can be addressed in ways less socially harmful than R1. Given the strong arguments against R1 and the weak arguments for it, we contend planners should...