Formerly Housing for Huntsvillians ,this podcast chronicles one couple’s quest to eliminate homelessness in their hometown by August 2026.

Huntsville, Alabama is one of the best places to live in large part due to how far your paycheck goes here. But, all that is changing as housing costs have skyrocketed over the past five years. And as housing prices rise, rates of homelessness are rising too.

Huntsville is hardly alone. Rates of homelessness are skyrocketing in growing cities across the US.

The reason is simple. In high-growth cities, housing costs are rising faster than paychecks.

According to The Council of Economic Advisers, poverty researchers, and advocates, the cost of housing is, by far, the biggest contributor to rising homelessness.

A recent landmark report from the Benioff Homelessness and Housing Initiative at the University of California, San Francisco, draws from nearly 3,200 questionnaires and 365 in-depth interviews. It’s the single deepest study on homelessness in America in decades, the largest representative study of homelessness since the mid-1990s, and the first large-scale representative study to use mixed methods (surveys and in-depth interviews). According to the authors, “High housing costs and low income left participants vulnerable to homelessness.” And high housing costs keep unhoused people unhoused. “While participants faced many barriers to returning to housing, the primary one was cost,” the authors write.

Mental health, addiction, and disability do make it more difficult for a person to afford housing. But they do not cause homelessness. We’re creating far more homeless people every day in this country than the much slower rise in mental illness, addiction, or disability can explain. What causes homelessness is not being able to afford a home.

Huntsville is hardly alone. Cities across the US are facing severe nationwide housing crises. Nationwide, half of renters must spend more than 30 percent of their income on housing.

This is a direct result of cities severely underbuilding housing.

We know housing prices create and exacerbate homelessness nationwide. But just looking at Huntsville, we can see that both housing prices and the number of homeless individuals both began to rise around 2016. Today, Huntsville is home to an estimated 600 unhoused people.

Since at least 2016, Huntsville’s population has been growing faster than we’ve built new homes – just like in San Francisco, Seattle, Denver, and Austin have been doing for far longer. And just like in those cities, high rents have priced residents out of their homes and onto the streets, spiking homelessness too.

Between 2000-2020 Huntsville added 57,000 new residents but built fewer than 10,000 new units of housing. When demand rises faster than supply, prices rise. If projections are correct, Huntsville will end up having added 28,089 new units of housing between 2004 and 2024. But even that isn’t going to be enough to lower average rents.

The only way to lower average housing costs in Huntsville is to build far more abundant, affordable, dense new housing.

There will always be a small percentage of the population who, due to physical and/or mental challenges, cannot manage to secure and maintain housing without assistance. But we’re not seeing rates of homelessness grow at an alarming pace because so many more people are suddenly facing crippling illness. What they’re suddenly facing is rising rents and stagnant incomes. And in nearly every case, homelessness creates or worsens physical illness, mental illness, and addiction, not the other way around.

While it’s true that labor and materials have become more expensive, the primary reason for rising housing prices and rising homelessness is a simple one: Supply and demand. All else equal, when demand outstrips supply, prices rise. And when supply outstrips demand, prices fall.

That data is clear that when cities build more homes, average rents