Affordability and that pesky “American Dream”

The single biggest challenge to true growth management, and therefore the strongest driving force behind suburban sprawl, is in fact the average American household’s pursuit of the “American dream” – which ultimately becomes a very personalized definition of “affordable housing.”

The real barrier?

While the “American dream” is often loosely defined as one’s own tidy single-family home on a sizable piece of property behind the proverbial white-picket fence, in fact this dream is a moving target, influenced not only by the marketing machines of corporate homebuilders, federal tax policy, and even cable television, but also by still lingering suburbanite fears of “urban living.”

While growing up in my family of five in eastern Bellevue in the 1960’s I lived in what was then deemed a model of middle-class housing. Yet that same 1600-square-foot, three-bedroom, 2-bathroom house on a large lot is today considered substandard by most even two- or three-person families seeking new housing.

With new homebuilders and the massive media storm that has grown around them bombarding American society with imagery and messaging meant to convince us all that we should live in 3,000-plus-square-foot “faux chateaux” in the distant-most exurbs, the tidy, comfortable, and, yes, more modest suburban homes of yesteryear pale in comparison.

As a result, when today’s small family laments that they cannot “afford” a house unless they move out to the exurban fringe on yesterday’s farms and forestland it’s often because they cannot afford the current media-driven image of what they should afford. In fact, 15- to 30-year-old suburban homes in first- and even second-ring suburbs are far more affordable than houses in the brand-new subdivisions but are often overlooked.

I wish I could say that this desire to live as far away as possible from the region’s urban centers is solely due to the pursuit of as large a home as possible. Yet I fear there are other factors in play also. Is there a degree of continuing segregation occurring? Do middle-class families harbor fears about living in the older cities and suburbs? Could these fears include class-based or even ethnicity-based discomfort? Again, do these issues also influence “affordability?” When the middle-class family of four on the Sammamish plateau complain about how expensive it is to live there, do we respond with a collective acquiescence and shaking of heads, or do we counter that hundreds of other beautiful neighborhoods in Lake Hills, Shoreline, Des Moines or Renton would be reasonable alternatives?

Now I don’t want to ignore the issue of affordability in the tightest housing markets, such as Seattle and Bellevue-Redmond. With a finite amount of near-by single-family housing, these locales do in fact present the most expensive options for home buying. And, obviously, many households are therefore excluded from pursuing the “American dream” in those locations. Their choice, then, is between either some sort of multifamily housing (ownership or rental) or more distant housing options, requiring possible long commutes.

Here is where that pesky “American dream” gets in the way again. Canada is our closest neighbor – physically, politically and even ethnically – yet the popular acceptance of multifamily housing opportunities, ranging from townhouses to highrise condos, is many-fold greater in that society than here in the US. There is a virtual stigma in this country associated with anything “less” than single-family home ownership. The dream simply has not been achieved if you’re not in a single-family home!

With these many forces compelling the average household to pursue not only a single-family home, but as large and as distantly located a one as possible, it’s no wonder that the word “affordability” is on everyone’s lips – from swank cocktail parties to soup kitchen lines in the central city.

There is little debate about whether to offer subsidies to some level of affordable housing for the most struggling members of our society, yet where the wicket gets stickier is when the “affordable housing” question is taken up by every member of society! Are we collectively duty bound to ensure that the distant-most “faux chateaux” also be “affordable?” Should we continue to capacitate suburban sprawl at all cost because affordably achieving the “American dream” continues to mean a single-family house on its own private lot in increasingly distant, increasingly homogeneous exurbia?

These are important questions for serious consideration and debate. Is it perhaps time for denser, in-fill, in-city housing options to start to take a greater place within the collective notion of our “American dream?”

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  • Matt the Engineer

    I think our concept of the American dream will shift dramatically in the next few decades. We’ve already seen the stigma of sprawl – knowing that exurbanites are bulldozing nature in order to have room for their consumer product warehouses (sorry, I mean houses), usually named for the resource they destroyed. And we can only continue the illusion of a higher quality of life for so long until people realize the amount of high-quality life they’re losing by spending hours per day commuting. But what will really kill the current dream will be gas prices after peak oil. Although the $5k per year fuel price (ignoring car costs, maintenance, insurance, etc.) for a 50 mile commute can be ignored using sufficient willpower and focus on the American dream, once that price doubles or triples the exurbs will have to lose much of their charm.

    I don’t think making the current American dream house affordable should be a goal at all. It’s a wasteful lifestyle that rational families choose to avoid. The best measure of affordability is based on a small footprint condo or apartment with easy access to work, food, and community. Anything beyond that is a luxury. Luxury can be important for an enjoyable life, but let’s just be sure we realize that owning a house in the exurbs is just as distant from the concept of affordability as owning a yacht.

  • mhays

    Along with energy costs, the US’ economic standing will make “stuff” more expensive.

    The job market is increasingly worldwide rather than local. This means that high-wage countries will see flat or declining wages, and low-wage countries will see rising wages.

    Couple higher foreign wages with higher fuel costs, and neither production nor transportation will be cheap. Add falling US wages and a falling dollar, and our buying power will also fall. It’s a quadruple whammy.

    Just like huge houses, a lot of our “stuff” is luxury, not necessity. I’m worried about the poor, but rest of us will be fine, if a little miffed at reality.

  • Val

    Affordable compared to what? It seems like one needs a starting point to say what is affordable. What is affordable to one might not be affordable to another.
    Because of greed our housing prices buying and renting have sky rocketed. I use to dream of moving and living in downtown Seattle from Bremerton after my kids graduated.
    Now, it’s impossible because it’s too expensive. I’d have to live in a shelter while I save money for my First, Last and the Deposit, to be able to move in!

  • Matt the Engineer

    [Val] Have prices gone up because of greed or because supply hasn’t kept up with demand? I think you’ll see prices drop a bit as more housing comes onto the market downtown.

  • Ryan

    Seconded, Matt. Zoning has allowed the artificial preservation of many a single family house in Seattle, leaving very little/expensive land for multi-family development. Even given these circumstances, prices in Seattle have come down for houses and are expected to come down for apartments. Housing prices skyrocketed because of lax lending, greed is just human nature.

    However, speaking of greed, it is really all about what we value. If Americans would be a lot better off if we valued free time, health, and our environment instead of filling a huge house with cheap plastic goods and “impressing” strangers with new cars. Unfortuately, most of us spend our free time watching television, which keeps us on a consumption treadmill.

  • Thomas Lunke

    The problem lies in the concept of an “American Dream.” If we focused on an “American Reality,” we might be further along in resolving our urban sprawl problems. This “Dream” goes back to our agrarian roots – Midwest farmers settled Seattle, Europeans settled Vancouver, BC. If one looks deeper, one can also see the similarities with the old Plantation or Lord of the Manor mentality that still haunts us today. Eventually, we will have to grow up, instead of out. But that won’t happen until we start taking responsibility for our problems and stop trying to escape from them.