Who Killed the Starter Home?

Marina Rubina
  • 3.7 (3)
  • Design
  • Updated Weekly

Have you seen any starter homes for sale lately? Neither have we. In this podcast, we speak with experts and try to figure out why this humble first home is going extinct. We’ll be exploring if it is the politicians, wielding zoning laws like a murder weapon who killed the starter home? Or maybe the scaredy-cat planners and designers? Or the developers, armed with cookie-cutter plans and corporate indifference? Is it our convoluted tax policy that subsidies homeownership, but puts every tax penalty in the way of creation of the starter homes. Spoiler alert: it’s probably a little of everything. We’ll be peeling back the layers of bureaucracy, bad faith, and bad planning, with stops along the way for affordable housing scandals, ADU success stories, and a passionate plea for building code updates. Join us for a conversation that’s part policy deep-dive, part therapy session for frustrated builders, and entirely a love letter to cities that deserve better.

  1. 3d ago

    The Income of Homeowners: The Rent You Don't Pay. Conversation with Richard Green

    In this episode, Professor Richard Green joins us. He's the Director and Chair of the University of Southern California Lusk Center for Real Estate, and he's been obsessed with data and cities since he was about nine years old. He's here with a counterintuitive finding. If you bought a house in the Detroit metropolitan area back in 1987, you did better financially than if you'd bought one in San Francisco and even beat the stock market. Not because Detroit went up more in value. It didn't. But because the rent you don't have to pay is income, and that income is worth more in a stable market than a speculative one. Richard also walks us through the "buy, borrow, die" strategy of the wealthy: borrow cheaply against an asset instead of selling it, invest that money elsewhere, with no need to pay taxes on a sale. Turns out an ordinary homeowner can do a version of that too, just by refinancing smartly when mortgage rates drop. And a fun fact from a hundred and fifteen years ago: a Pasadena newspaper ran complaints about ugly new houses ruining the neighborhood. Those houses were craftsman bungalows that are highly valued landmarks today.

    The Income of Homeowners: The Rent You Don't Pay. Conversation with Richard Green

  2. Sep 25

    The Toolbox We Haven't Used Yet. Conversation with Steven Goldin

    In this episode, Steve Goldin joins us with a rare perspective of the housing system from all angles. He's been a developer, a municipal planning director, a real estate head at a public university, and even started a proptech company, so he's sat at every side of the table. His take is that our fear of change drove the death of the starter home, but from there, we get into some genuinely creative ideas most developers or towns have never tried. For example, to get approvals it may not be enough for a developer to bring data that new residents of a building won't overcrowd the school district, but could it be possible to buy insurance to offer the town a sense of security? If there is a fear of data centers, could there be a market system to pay towns to host them?

    The Toolbox We Haven't Used Yet. Conversation with Steven Goldin

  3. Sep 18

    Small Lots, Big Difference. Townhomes Work Everywhere. Conversation with Dominic Behrens

    In this episode, Dominic Behrens joins us from Sydney, Australia where he is a senior economist with The Centre for International Economics. He is also the co-founder of Sydney YIMBY. Dominic walks us through a real-world experiment most places never get to see. In 2013, a suburban municipality in Australia allowed property owners to subdivide lots down to just 150 square meters, about 1,600 square feet, small enough for townhouses. Construction went up by two-thirds right away. Then in 2019, the required lost size was increased to 250 square meters, about 2,700 square feet, and construction went back down.  Dominic and his co-authors got access to incredibly detailed data and were able to analyze who built these homes (mostly small local builders) who moved in, (young families looking to upgrade), and what happened to the homes they left behind. That last part is fascinating. Research traced the ripple effect of these new townhomes across the much wider market. As young families moved to these high-end small homes, their old apartments became available to people of somewhat lower income and so on creating better the housing options further and further down the income ladder. We also discussed into why these reforms got reversed, even though less than one percent of residents objected, and why Dominic believes townhouses, unlike big apartment towers, could and should be allowed everywhere. Read article here: https://e61.in/what-local-land-use-reform-does-and-doesnt-do/

    Small Lots, Big Difference. Townhomes Work Everywhere. Conversation with Dominic Behrens

  4. Sep 11

    Homelessness Is Solvable. We Have Proof. Conversation with Raisa Rubin-Stankiewicz

    In this episode, Raisa Rubin-Stankiewicz joins us. She is the policy director of the New Jersey Coalition to End Homelessness. And she's here with some hard numbers. Unsheltered homelessness in New Jersey is up 61 percent from last year. For every one person who gets housed, almost three people become homeless. Yet Raisa has good news: in under two years, New Jersey got veterans' homelessness to what's called "functional zero." More veterans are getting housed than are becoming homeless. It took real money and real coordination, but it proves that this crisis isn't inevitable. We talk about what's broken, what's working, and what coalitions we can build and actions we can take to solve this staggering crisis.

    Homelessness Is Solvable. We Have Proof. Conversation with Raisa Rubin-Stankiewicz

  5. Sep 4

    Fear of Others Moving In. Conversation with Tara Paxton

    In this episode, Tara Paxton joins us at the start of what she calls her "Act Two." She spent nearly thirty years on the municipal side of planning, most recently as planning director in Brick Township here in New Jersey where this past June, she finished working on Brick’s state's fourth round of affordable housing compliance.  Now Tara is stepping away from municipal government to create something new: an educational and private practice (https://paxtonplanninggroup.com/) built around the gaps she saw up close for three decades. Tara has a term for the real obstacle she kept running into. It’s not “Not in My Back Yard” movement, but something she calls FOOMI, fear of others moving in and changing the familiar quality of life.  Her solutions are not more regulation. It's education. She walks us through her plan to launch a new organization, modeled on Philadelphia's Citizen Planner Institute. The goal: teach residents the actual civics of planning. What a board can and can't legally do. Why "no" isn't always on the table. How to move residents from reflexively objecting to a project, toward contributing to shaping their town's future, one that meets the needs we all have at different stages of life.

    Fear of Others Moving In. Conversation with Tara Paxton

  6. Aug 28

    The Regulations Are a Smashing Success, Yet New Jersey Is Still Segregated. Conversation with David Kinsey

    In this episode, David Kinsey joins us — the planner who, more than almost anyone else in New Jersey, has shaped the math behind the Mount Laurel doctrine and helped determine the numbers of deed-restricted residential units each town is required to build. It was not housing policy, not economics, but a language assignment that set David on his career path when during a study abroad in college he wrote a paper in French about a new town. Decades later, he was the expert witness in court, spending days on the stand defending the housing formula built from census projections, household formation rates, and land-use factors. David calls the five-decade-old Mount Laurel doctrine, especially after the latest amendments, a smashing success, and multifamily construction with an inclusionary deed-restricted component is visible across the state. But David also acknowledges that New Jersey remains one of the most segregated states in the country, a pattern he traces directly to housing itself. In this episode struggle to share his optimism about the rules for realistic opportunity when in some cases, it takes thirty years to deliver homes near a train station. In other cases, monumental efforts of assembling a multi-layered funding scheme and donated municipal land still fail to create homes.

    The Regulations Are a Smashing Success, Yet New Jersey Is Still Segregated. Conversation with David Kinsey

  7. Aug 21

    We Built New Towns Before. Why Not Again? Conversation with Justin Hollander

    In this episode, Justin Hollander, professor of urban & environmental policy and planning at Tufts University, joins us — and yes, he's also planned a new town on Mars, underground bike tunnels included. Back on Earth, He shares that planners are usually taught to contain and densify existing places and by any means block expansion. The reality is that economic forces make development ooze out anyway, and it ends up as a sprawling suburbs that delivers somewhat affordable homes while making no real livable places. Justin makes the case that if we acknowledge this reality, we can actually plan new towns that are walkable, transit-friendly, and have community structure that defines a real place people would enjoy and still have starter homes. Maybe we don't need to move to Mars to bike to school after all.

    We Built New Towns Before. Why Not Again? Conversation with Justin Hollander

  8. Aug 14

    A Thousand Small Fixes That Might Actually Work. Conversation with Jack Farrell.

    In this episode, research attorney with YIMBY Law Jack Farrell came back to the podcast to walk us through the newly passed Road to Housing Act. This sprawling, three hundred eighty-one-page bill is made up of small technical fixes. For Jack, that's a good sign: the sheer number of granular changes suggests that the authors understand how housing programs work on the ground. We cover the highlights: grant programs that now prioritize ADUs, missing middle housing, and single-stair reform; a fix that makes manufactured homes cheaper to build; the unlocking of Community Development Block Grant funds for affordable housing; and a change that cuts duplicate inspections for properties using multiple federal funding sources. We also dig into the bill's attempt to cap how many single-family homes big institutional investors can own — and why the data suggests Wall Street landlords aren't the main cause of high home prices. And, for a complete fun fact — there is a provision inside a housing bill that has nothing to do with housing: a ban on the U.S. ever creating its own central bank digital currency.

    A Thousand Small Fixes That Might Actually Work. Conversation with Jack Farrell.
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About

Have you seen any starter homes for sale lately? Neither have we. In this podcast, we speak with experts and try to figure out why this humble first home is going extinct. We’ll be exploring if it is the politicians, wielding zoning laws like a murder weapon who killed the starter home? Or maybe the scaredy-cat planners and designers? Or the developers, armed with cookie-cutter plans and corporate indifference? Is it our convoluted tax policy that subsidies homeownership, but puts every tax penalty in the way of creation of the starter homes. Spoiler alert: it’s probably a little of everything. We’ll be peeling back the layers of bureaucracy, bad faith, and bad planning, with stops along the way for affordable housing scandals, ADU success stories, and a passionate plea for building code updates. Join us for a conversation that’s part policy deep-dive, part therapy session for frustrated builders, and entirely a love letter to cities that deserve better.

Information

  • Creator
    Marina Rubina
  • Years Active
    2025 - 2026
  • Episodes
    85
  • Rating
    Clean
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    Who Killed the Starter Home?