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Housing - Coggle Diagram
Housing
Core Issues
Affordability – High house prices and rising rents; many cannot afford to buy a home or rent without financial stress.
Stability – Renters face frequent moves, insecurity, and “no-cause” evictions.
Quality – Poor housing conditions (damp, mould, inadequate heating).
Access/Equity – Declining homeownership, shrinking public housing, increased reliance on private rental market.
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Causes
Economic: Rising house prices, income stagnation, property speculation, multiple property ownership (“Generation Landlord”), reliance on market-driven housing.
Policy/Structural: Decline in public housing (7% → 3.4% of total stock), residualisation of state housing since 1990s, limited regulation of private rental market.
Social: Increasing number of households unable to afford deposits; older people entering retirement still paying mortgages or renting.
Examples/data
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Housing Register (public housing need): 12,300 → 22,900 households (2019–2025)
Housing quality issues for renters: 35.5% with damp/mould, 31.2% struggled to keep warm
Theoretical Perspectives
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Focus: Market-driven solutions, individual responsibility, minimal state intervention.
Explanation: Housing is primarily a commodity/investment; issues arise due to market inefficiencies or poor individual financial planning.
Policy approach: Encourage private sector provision; incentives for landlords; minimal public housing.
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Explanation: Housing unaffordability stems from systemic issues (inequality, disinvestment in public housing, speculative property markets).
Policy approach: Strengthen public housing, regulate rental market, address housing as a social right.
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