We investigate the association between the level of fertility and the organization of home-ownership in western countries. We distinguish four home-ownership regimes, based on the share of owner-occupied housing and access to mortgages. We argue that one home-ownership regime is particularly associated with problematic housing-market entry and, therefore, unfriendly to family formation: the ‘difficult’ regime, which combines a high share of owner-occupation and low access to mortgages. We find that countries with this particular home-ownership regime have the lowest levels of fertility.
Home-ownership regimes and low fertility
BILLARI, FRANCESCO CANDELORO
2010
Abstract
We investigate the association between the level of fertility and the organization of home-ownership in western countries. We distinguish four home-ownership regimes, based on the share of owner-occupied housing and access to mortgages. We argue that one home-ownership regime is particularly associated with problematic housing-market entry and, therefore, unfriendly to family formation: the ‘difficult’ regime, which combines a high share of owner-occupation and low access to mortgages. We find that countries with this particular home-ownership regime have the lowest levels of fertility.
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