How to Change the Housing Market for People with Disabilities

Author: Pavel Kuljuk
Published: 2025/03/30
Publication Type: Opinion Piece, Editorial
Topic: Disability Housing - Publications List

Page Content: Synopsis - Introduction - Main - Insights, Updates

Synopsis: Article examines lack of accessible housing and proposes changes to building codes to improve affordability and functionality for people with disabilities.

Why it matters: This article explores the severe lack of affordable, accessible housing for people with disabilities and proposes a fundamental shift in building regulations to address the issue. The author argues that rather than treating accessible housing as a costly special project, all new construction and renovations should be designed with disability-friendly features by default. The article highlights the limitations of existing government aid, financial assistance programs, and charitable efforts, which have failed to bridge the gap between affordability and accessibility. To counteract potential cost increases, the article suggests optimizing building codes - such as reducing luxury features like extra bathrooms - to balance expenses while making housing more functional. This perspective is especially relevant for policymakers, developers, and advocates, as well as seniors and individuals with disabilities who struggle to find suitable living spaces - Disabled World (DW).

Introduction

Changing building codes to the principle of "less luxury, but more useful functions" may be an effective solution to the problem.

Disabled people have big problems in the real estate market.(1) Although these problems are different, the cause of all the problems is the same. Disabled people need to buy cheaply what costs a lot. In other words, disabled people are a poor part of society that needs affordable real estate with special characteristics.(2) But special characteristics increase the cost of real estate. This creates an insurmountable problem. After all, Royce-Royce's are not made for the poor!

Main Item

Poor people cannot make expensive purchases. Any attempt to change this is doomed to failure. Even very great efforts give only limited success.

Look. The government pays great attention to the problems of people with disabilities in the housing market. A special page has been created for this on the U.S. Department of Housing and Urban Development (HUD) website.(3) Banks and other financial institutions are ready to provide loans to people with disabilities to buy housing on preferential terms.(4) People with disabilities are allowed to buy housing using Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). In some cases, loans are issued to people with disabilities even without a credit rating and with an income of 15% of the median income in the region. And the down payment is only 3.5% of the cost of the house! In addition, many charitable organizations are ready to build special houses for people with disabilities.(5)

Despite these and many other support measures, the problem has not been solved. There are 4.8 million disabled people on the rental housing market with an income of about $9,000 per year. (6) These people have no chance of renting quality housing adapted for the needs of disabled people. Of course, these people cannot buy such real estate either. Less than 5% of housing in the United States is accessible to elderly Americans with disabilities. Less than 1% of housing is accessible to wheelchairs.(7) But almost 25% of the US population is disabled!

To solve the situation, it is necessary to change the way of thinking. It is necessary to think about the problem differently. Adaptation of residential real estate for the needs of disabled people should not be a special project. This should be the basic rule of any construction project. That is, all housing under construction or renovation should be adapted for the needs of disabled people. But housing that is not adapted for disabled people can be a special project. If the housing is owned by a non-disabled person, then this person can remake this property for his needs. With the obligation to then return everything back if the house is sold. That is, housing should be remade by people who do not have disabilities. But not vice versa. In the USA, almost a quarter of the population or 70 million people are disabled.(8) Such a requirement for real estate is natural.

Let's be honest. This solution has its drawbacks. The main drawback is the increase in the cost of all real estate. However, it is possible to prevent the increase in prices. To do this, it is necessary to introduce new construction rules that allow for a reduction in the cost of housing. For example, to introduce a rule that allows for the construction of bedrooms without windows or a rule limiting the number of bathrooms in one residential building. That is, the construction rules need to be optimized. Refusal to build an additional bathroom can compensate for the money spent on adapting a house for the needs of disabled people. Less luxury, but more useful functions. This is the main point of changing the construction rules. And this will make it possible to avoid an increase in the cost of housing, but improve the functionality of houses.

It is very interesting that the authorities are already using this administrative method to solve local housing problems in some cities. For example, in New York City, where there is a housing shortage, officials are planning to convert office buildings into residential buildings. To do this, the authorities are discussing the possibility of abandoning the rule that every bedroom must have a window. (9) If it is possible to combat the housing shortage in some cities in this way, then why can't the same be done to solve the federal housing problem for the disabled?

Of course, this plan will require political will and a lot of time to implement. But it is worth it. After all, there is no guarantee that one of us will not become disabled tomorrow and will see for himself how important special real estate is.

Check List

1) https://www.disabled-world.com/disability/housing/ny-housing.php

2) https://www.disabled-world.com/disability/accessibility/restaurant-access.php

3) https://www.hud.gov/topics/information_for_disabled_persons

4) https://themortgagereports.com/31507/best-programs-for-getting-a-mortgage-with-a-disability

5) https://www.hfotusa.org/

6) https://thearc.org/policy-advocacy/housing/

7) https://www.cnbc.com/2023/07/21/less-than-5percent-of-housing-is-accessible-to-older-disabled-americans.html

8) https://www.cdc.gov/media/releases/2024/s0716-Adult-disability.html

9) https://www.curbed.com/2023/03/eric-adams-windows-affordable-housing.html

Insights, Analysis, and Developments

Editorial Note: Addressing the housing crisis for people with disabilities requires bold reforms that prioritize inclusivity over luxury. This article's call to integrate accessibility into standard construction practices is a forward-thinking solution that could reshape societal attitudes toward disability and housing equity. While challenges like cost remain, the proposed strategies offer a pragmatic starting point for meaningful change. The conversation around accessible housing often stalls at cost concerns, yet this article challenges that assumption with a pragmatic approach: prioritize functionality over luxury. If cities can bend zoning laws to address housing shortages, why not do the same to create inclusive spaces for millions? The question isn't whether we can afford to make housing accessible - it's whether we can afford not to - Disabled World (DW).

Author Credentials: Pavel Kuljuk's articles and poems are published in Australia, North America, and Europe. In recent years, he has been constantly collaborating with Australian Rural & Regional News (Australia), Red Hook Daily Catch and OpEd News (USA), and Disabled World (Canada). Kuliuk's individual publications are in Forbes (Kazakhstan), Rural 21 (Germany), London Loves Business (UK), Karrep (India), RealClearDefense (RCD), Change Links, Daily Caller (USA), and many others. Explore for comprehensive insights into his background, expertise, and accomplishments.

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Citing and References

Founded in 2004, Disabled World (DW) is a leading resource on disabilities, assistive technologies, and accessibility, supporting the disability community. Learn more on our About Us page.

Cite This Page: Pavel Kuljuk. (2025, March 30). How to Change the Housing Market for People with Disabilities. Disabled World (DW). Retrieved April 21, 2025 from www.disabled-world.com/disability/housing/less-luxury.php

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