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A rare bipartisan housing victory faces a bigger problem – Americans still can’t afford housing
The 396-13 vote advances regulatory changes that could trim construction costs by up to $10,000 per home, supporters said.
On May 20, 2026, the House passed the 21st Century ROAD to Housing Act by a bipartisan vote of 396 to 13, incorporating 56 regulatory provisions aimed at addressing housing supply challenges.
Lawmakers designed the bill to curb institutional investors who account for about 2% of single-family rentals, while streamlining environmental impact reviews and reducing inspection frequencies for federally assisted homes.
Reforms include encouraging "small dollar mortgages" of less than $100,000 and reducing building costs by US$5,000 to $10,000, alongside the Department of Housing and Urban Development issuing "best-practice frameworks" for zoning.
Although addressing regulatory barriers, the bill does not increase subsidies for low-income renters or homebuyers, and housing scholars suggest these improvements will be only marginal.
On the same day the housing bill passed, the House Appropriations Committee released its fiscal year 2027 budget proposal for Transportation, Housing and Urban Development, indicating Congress remains hesitant to increase direct financial support.