LOCAL GOVERNMENT AND URBAN HOUSING POLICIES IN ADDRESSING THE AFFORDABLE HOUSING CRISIS IN MAJOR CITIES

Povzetek

The affordable housing crisis in major cities has intensified due to rapid urbanization, rising housing costs, and
socio economic inequalities. Local governments, positioned at the fore front of urban governance, play a pivotal role
in designing and implementing policies to improve housing accessibility and affordability. This study examines the
effectiveness of municipal level interventions by integrating quantitative housing market data with qualitative policy
analysis. Data from three major cities were analyzed, focusing on affordability ratios, housing supply growth, and
policy outcomes. Results indicate that multi faceted approaches combining regulatory reforms, financial incentives,
and community based models yield more sustainable improvements than single policy measures. Comparative
analysis demonstrates that policy success depends on stakeholder collaboration, political commitment, and
integration with broader urban planning framew orks. The findings highlight the importance of tailored local
strategies in addressing housing challenges, offering a roadmap for sustainable and equitable urban development.