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What is shared equity housing?

Affordable housing cooperatives that include multifamily, scattered site or manufactured housing parks, like ROCUSA members, as well as community land trust models that include affordable housing. 

The U.S. needs community-driven solutions to address the affordable housing crisis

Rising costs, discriminatory practices, and inequitable policies continue to fuel the nation’s affordable housing crisis and widen the racial wealth gap. People in historically and systemically underserved communities are looking for options to improve accessibility and preserve lasting affordability.

The Cooperative Development Foundation is launching an Affordable Housing Initiative to educate communities and decision-makers about opportunities for resident and/or community-owned and controlled housing that can help advance racial equity and strengthen long-term housing stability.

Access the recording and slide deck from the launch webinar where experts from national organizations and academics discussed how shared equity homeownership models and community land trusts can help communities across the country to preserve and increase permanently affordable housing options for their residents.



"Trends in Shared Equity Housing," is a working paper commissioned by CDF on the models, their history, and financing and technical assistance needs by researchers from The Bloustein School of Planning and Public Policy at Rutgers University.


We will update the working paper as new information becomes available. If you have insights or research to contribute to the report, please contact Mary Griffin at

Hear from residents of Seabury Cooperative in New Haven, Connecticut, about their work to preserve their affordable housing cooperative.

This country needs more affordable homeownership options. And more communities are looking to the long-established Limited Equity Cooperative (LEC) and Community Land Trust (CLT) models to provide a permanently affordable way to provide homes for low and moderate-income individuals and families. But how do these models work to provide housing ownership and stability? Who controls the decision-making, and how do you get them financed and developed?

Looking for strategies to address your community’s affordable housing needs? In ways that advance equity for residents? The housing crisis affects nearly every community across the country, whether you live in an urban, suburban or rural setting. The crisis is often framed as single family homes out of reach for many versus escalating cost of renting. But alternative models of ownership—through affordable housing cooperatives and community land trusts—are long-established, proven models that not only provide housing but also advance equity and housing stability needs of communities. During this webinar, we heard from local housing agency representatives who have helped create or preserve affordable housing through cooperative and community land trust models.

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Primary support for the Affordable Housing Initiative is provided by the Robert Wood Johnson Foundation. The views expressed here do not necessarily reflect the views of the Foundation. Additional resources are provided by the Cooperative Development Fund and the Do Well to Do Good funds honoring cooperative hero Chuck Snyder.

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