Research Department Working Papers
The Impact of Labels on Real Asset Valuations
This paper shows that neighborhood labels, frequently used in realtors’ property descriptions, have a causal impact on the demand for housing.
January 15, 2025
Texas’ cheap housing edge slipping away as resilient demand outpaces supply
Housing affordability has declined in Texas, a top destination for domestic and international migrants drawn by its historically low cost of living.
April 21, 2023
The Federal Reserve is updating the Community Reinvestment Act. Here’s how you can help
Whether you are a community-service organization member, an economic development professional or simply interested in helping communities in our region thrive, your comments and ideas are a critical part of ensuring an inclusive financial services industry.
January 13, 2021
March 6 summit to explore connection between housing and access to opportunity
Research shows that life expectancy in Texas differs as much as 30 years depending on the ZIP code in which someone lives.
February 24, 2020
Opportunity Zones: How will we know if communities reap the benefits?
Much has happened since the Dallas Fed released its first article on Opportunity Zones (OZs). While we know a lot more than we did, some aspects of OZs remain unclear.
January 31, 2020
Texas subprime borrowers rely on unconventional home loans
How do low- and moderate-income Texans fare in becoming homeowners?
November 20, 2019
Affordable Rental Housing in Rural Texas
Explore shifts in the housing market and factors that have increased rental-cost burdens across Texas and the country.
August 15, 2019
Seizing the Opportunity for Equitable and Inclusive Redevelopment: Galveston’s Trials After Hurricane Ike Offer Lessons for Other Communities
This report highlights lessons learned from continued recovery efforts in Galveston, Texas, following Hurricane Ike, which can inform communities currently rebuilding after recent natural disasters.
March 16, 2018
The Scarcity of Texas Affordable Housing Community
This article provides an overview of the latest in Texas' payday lending field and low-cost alternatives.
September 01, 2016
Las Colonias in the 21st Century
Texas colonias, home to an estimated 500,000 people, represent one of the largest concentrations of poverty in the U.S., often lacking basic living necessities such as potable water or safe housing.
April 17, 2015