An aerial view of residential housing under construction at a planned community in Fontana, California, on Sept. 17, 2025. (Photo by Mario Tama/Getty Images)

WASHINGTON — U.S. Senate Democrats began detailing their affordability agenda Thursday ahead of the November midterm elections, starting with a focus on housing. 

Minority Leader Chuck Schumer said during an event at the Center for American Progress, a left-leaning think tank, that if Democrats regain control of the House and Senate they would pass legislation to expand rental assistance, reduce barriers to home ownership, build more housing and address predatory practices. 

Schumer listed several statistics he finds concerning, including that the median price of a home has gone up by 55% since the coronavirus pandemic, that rent has risen by one-third and that the average age for a first-time home buyer is 40. 

“That’s a record high,” he said. “That’s a devastating statistic that should shake up everyone in a position of power at the federal, state or local levels.”

Schumer said the outline for housing is just the first of several cost-of-living policy proposals Democrats will detail this year as they seek to sway voters in key districts and states to vote for their candidates over Republicans.

Democrats, he said, will also focus on how to curb the rising cost of groceries, electricity, child care and health care as part of the midterms messaging. 

On housing, Schumer said Democrats will focus on legislation that would 

• incentivize construction companies to build more housing to address shortages throughout the country;
• expand rental assistance, including Section 8 vouchers for low-income families;
• reduce barriers to home ownership;
• expand the low-income housing tax credit;
• allow the Department of Housing and Urban Development to use the Defense Production Act to purchase “housing materials in short supply”;
• create an agency focused on advanced research into housing issues, similar to the Defense Advanced Research Projects Agency; and
• block “predatory companies” from being “allowed to gobble up entire neighborhoods so easily and turn them into profit machines.”

Democratic bills would provide down payment assistance, lower the cost of mortgage insurance, expand access to portable mortgages and “reform homeowners insurance which is now at a crisis level and so important for people who can’t afford that down payment,” Schumer said.  

Democrats have relatively good odds of winning back control of the House during the November midterm elections, especially since the president’s party tends to lose that chamber two years after taking power. 

Campaigns to regain control of the Senate will be much more difficult for Democrats, who face challenges keeping seats in Georgia and Michigan, while trying to flip Republican seats in Alaska, Maine, North Carolina and Ohio. 

Even if voters were to give Democrats control of Congress, leaders in the party would still need some Republican buy-in to move legislation past the Senate’s 60-vote legislative filibuster and need President Donald Trump to sign legislation into law, unless they had the two-thirds needed in each chamber to override a veto. 

A ‘family conversation’

Hawaii Democratic Sen. Brian Schatz said during a panel discussion with Illinois Democratic Sen. Tammy Duckworth that was moderated by CAP President and CEO Neera Tanden that he’s been “radicalized on housing” and pressed for members of the party to talk realistically about issues with supply and affordability. 

“And the reason is that our shortage nationwide, but especially in Hawaii, is so acute that people can’t make the math work anymore,” Schatz said. “In Hawaii, people are paying more than 50%, all-in, of their income for housing, either rental housing or paying a mortgage. And what I have come to realize is that we are the problem.”

Schatz argued that the government “is the primary impediment to alleviating the shortage” and said that realization has led him to have some “very difficult conversations.” 

In Hawaii, he said, there are environmental and cultural protections intended to safeguard “special places” but that have ended up applied more broadly, impeding housing development. 

“They were not originally conceived to prevent a walk-up apartment building on the corner of Eisenberg and King to house Native Hawaiian families,” Schatz said. “And yet those same laws are being weaponized against people in Hawaii even being able to live in the state of Hawaii.”

Schatz said Democrats must be honest with voters about what their housing policies would mean for communities throughout the country, contending the party needs to “solve the politics” around expanded housing before it can tackle the policy debate. 

“I actually think we have to have this family conversation around the politics of housing and realize that some of our base voters in the suburbs, who are otherwise good all the way down the line on all the progressive issues, also want to prevent a nurse or a firefighter or the disabled or the elderly or the student from living anywhere near them,” Schatz said. “And we have to have that conversation in the progressive coalition.”

Rethinking inspections, other processes

Duckworth said some solutions to housing could come through rethinking the processes in place now, similar to how the Department of Veterans Affairs changed its approach to homeless veterans. 

“VA used to say, ‘You have to get clean and sober, and then we’ll give you a voucher to get into an apartment.’ And so it made no sense, right?” Duckworth said. 

“So we had to change the thinking to what the homelessness community had been working on, which is reduction of harm — get them into the housing and then work on getting them clean and sober,” she continued. “And by changing that thought, we were able to immediately start pulling veterans off the streets, put them into housing units where they immediately were also getting counseling, getting treatment.”

Duckworth compared the sometimes slow process of housing inspections that can stop construction with the way the government approaches vehicle safety as one possible way to get things moving faster. 

“With automobiles, we say, ‘This car that you’re manufacturing must be able to withstand a crash at 35 miles an hour into a brick wall.’ And then when they meet and get that car approved, when we go buy that car, we don’t have to take that car to get it inspected from top to bottom, like we do with homes,” Duckworth said. 

She added: “So why would we not say to homebuilders, especially (prefabricated) homes, if you come to VA and you are willing to get two models of your home, pre-inspected, pre-approved, then when a veteran builds a new home and they say, ‘Hey, I’m going to choose one of these models that already has a VA good housekeeping seal of approval,’ they can shortcut that inspection process.”

Reading Time: 4 minutes

In the national war for affordable housing, a familiar battle is raging in Richland Center, a little city in the Driftless Area that’s surrounded by wilderness and farm fields.

A move to put duplexes on a six-acre village green has pitted some residents against their city government.

“It’s the soccer field, it’s the picnic field, it’s the place where everybody goes,” said Jeri Rust, who grew up in town and now splits time between Richland Center and Arizona.

But “the city needs housing, and we have before us a proposal that would be the envy of any other community,” Richland County Board Chair David Turk said at a September city council meeting. 

Since 2017, the average home price in Richland Center has increased from about $102,000 to $180,000, a 76% change, according to Zillow, the real estate marketplace. 

Stori Field is the “crown jewel” of the neighborhood, said Greg Dettmann, a resident who grew up in the city and lives across the street. 

The field is named for teacher and coach Dave Stori, who revived the high school’s track team in the 1940s. For decades, Stori Field hosted athletic practices and P.E. classes.

“I threw up more than once on that field,” Dettmann, 74, joked about his own time exercising on the field as a kid. “You can’t get green spaces back once they’re gone.”

But Richland Center has between three and six times more parkland than what the National Recreation and Park Association recommends for the city’s population, city attorney Michael Windle estimated. And there are other venues for recreation around the city, he said.

It’s a common fight across the country as residents resist new housing to keep their neighborhoods from changing.

“When you say it’s easy to find places to build, no, it isn’t,” Mayor Todd Coppernoll said at a September city council meeting. “We don’t have adequate housing stock at any income level, in my opinion.” 

Richland Center, like many communities, is struggling to provide affordable housing, especially for older people, as its population ages and the number of small home builders declines, according to a Richland County analysis.

The community’s median income is lagging behind its median home value, and “there is not enough affordable housing,” according to a Richland Center study from 2024. 

The city has struggled to find companies to build. When one developer, Enke Properties, zeroed in on Stori Field and agreed to cover the costs for major expenses like utilities, sidewalks and street lights, the city jumped at the offer. On top of the additional housing, the 16-unit development would also generate about $100,000 in annual tax revenue to be split among the city, county and school district, Richland Center city officials estimate. 

The city greenlit the sale of Stori Field on Oct. 7. In response, but before the transfer officially went through, residents submitted a petition with nearly 700 resident signatures asking the city to prohibit any sale without the voters’ consent. Richland Center has a population of about 5,000 people.

On Nov. 13, the same day the clerk certified most of the signatures, the city rejected the petition, saying it omitted necessary language. The city officially sold the land for $1 to the developer the same day. 

“PR-wise, I think they fell on their face,” Mary Collins, a resident of Richland Center and the chair of the Richland County Democratic Party, said of city officials.

But “from a legal perspective, I’m not sure that there’s anything stopping the city in this instance,” said Derek Clinger, a senior staff attorney for the State Democracy Research Initiative at the University of Wisconsin Law School.

On Nov. 21 residents submitted a second petition, which the city acknowledged but says conflicts with the Oct. 7 ordinance it passed authorizing the sale.

In Wisconsin, Clinger said, a direct legislation attempt, in this case the residents’ petition, can’t be used to pass a city ordinance that clearly conflicts with an existing city ordinance. But the city’s actions could certainly have political consequences in future local elections, he noted.

Shelly Dobbs, another leader in the push to protect Stori Field who has also taken the issue to the Wisconsin Elections Commission, said her citizen group is considering legal action. 

But the city’s focus on Stori Field has angered some who feel there are opportunities for development elsewhere. The city says it is considering more options in addition to Stori Field.

Ellen Kellar Evans owns two rental properties near Stori Field with her husband and had been working to build 19 single-family homes in the city. She said Richland Center even offered them a $1.5 million federal grant for the project. But she said the city’s unrealistic deadlines and the ire she feels about the Stori Field project have changed things.

“We don’t think we can trust them anymore to make good decisions,” she said.

The city has since pulled the grant.

Residents have repeatedly pointed to the decommissioned University of Wisconsin campus owned by the county as an alternative to Stori Field. In response, the mayor asked Turk, the county board chair, to give an update on the campus at a special meeting Sept. 24.

“The campus is a big chunk of land,” Turk said. “Is it ready to be developed? No.”

But in his emails to The Badger Project, Windle referenced a Nov. 19 presentation the city gave at a county meeting about a proposed subdivision on the campus.

“We feel like we were fooled by thinking that couldn’t be available for years,” Kellar Evans said. “I’m very confused, myself, and I think everyone else is. We just don’t understand.” 

The campus project, Windle said, would be in addition to Stori Field. 

“At this time,” Windle said, “Stori Field is the sole and exclusive property of Enke Properties, LLC.”

The Badger Project is a nonpartisan, citizen-supported journalism nonprofit in Wisconsin.

This article first appeared on The Badger Project and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.

Richland Center residents fight to spare park from city’s affordable housing plans is a post from Wisconsin Watch, a non-profit investigative news site covering Wisconsin since 2009. Please consider making a contribution to support our journalism.

Reading Time: 5 minutes

The median price of a home in Wisconsin rose nearly 120% over the past decade, from $155,000 to $337,000 according to data from the Wisconsin Realtors Association.

But median Wisconsin incomes have increased only about 50% in that time period, illustrating just one of the reasons why voters and politicians are increasingly concerned about a housing affordability crisis.

Past bipartisan efforts at the Capitol have worked to address these issues. In 2023, the Republican-led Legislature and Democratic Gov. Tony Evers dedicated more than $500 million in the biennial budget toward several loan programs at the Wisconsin Housing and Economic Development Authority aimed at creating new affordable housing, rehabilitating homes and transitioning space in commercial buildings. 

But state lawmakers and both Democratic and Republican candidates for governor in 2026 are seeking more ways to address Wisconsin’s housing challenges. 

Multiple bills passed through the Assembly in early October, from a proposal with a financial mechanism to ease the costs of infrastructure for building homes to another creating a grant program for converting multifamily housing into condominiums. 

Several of the proposals received public hearings in the Senate’s Committee on Insurance, Housing, Rural Issues and Forestry last week and lawmakers could vote on them in the coming weeks.

What bills are in the Legislature? 

The housing bills making their way through the Legislature touch on multiple avenues to boost the state’s supply of affordable housing. 

One set of proposals creates a residential tax increment district, which can ease the costs of housing infrastructure on developers and lower the initial price of starter homes.

“We’re not talking about subsidized housing, we’re talking about affordable housing … the housing stock that was built just a generation or two ago,” Rep. Robert Brooks, R-Saukville, said at a September press conference. “We’re talking about small ranch homes, bungalow homes, some of those homes built without garages or alleyways or detached garages.”

Another set of bills would establish a condo conversion reimbursement program administered by WHEDA. Legislation would provide $50,000 per parcel to convert multifamily properties to condominiums, according to the bills. The dollars would be funded through up to $10 million from a WHEDA housing rehabilitation loan program created in 2023. 

Other legislative proposals include requiring cities to allow accessory dwelling units on residential land with a single family home. But Wisconsin Manufacturers and Commerce, the state’s largest business lobby, expressed concerns over a prohibition on short-term rentals for accessory dwelling units.

Assembly Democrats in early October argued some of the Republican proposals fall short. An amendment offered by Rep. Ryan Clancy, D-Milwaukee, would have allowed housing cooperatives to participate in the condo conversion program. It failed after Sen. Steve Nass, R-Whitewater, raised concerns about the renovation costs of housing co-ops, which Nass referred to as “communes,” while he disparaged Clancy, a Democratic Socialist, as a “communist.”

“I will be voting for this… but it is so disappointing to have to do that because we had something better in front of us,” Clancy said.

What are candidates for governor proposing? 

The candidate field for Wisconsin’s 2026 gubernatorial race is not yet finalized, but housing affordability is a priority for many of the candidates who responded to questions from Wisconsin Watch. 

Republican U.S. Rep. Tom Tiffany told Wisconsin Watch he wants to lower housing costs through freezing property taxes and cutting government regulations. Tiffany additionally said he wants to explore how to steer the state’s housing affordability programs to focus on homeownership rather than renting. 

“We need a red tape reset that cuts regulations and lowers costs while keeping safety a priority,” Tiffany said in a statement to Wisconsin Watch. 

A campaign spokesperson for Republican Josh Schoemann said the Washington county executive would bring county programs statewide. The Heart and Homestead Earned Downpayment Incentive program helped Washington County residents with down payment loans on homes under $420,000, which could be repaid through volunteering or charitable donations. Another program, Next Generation Housing, brought together developers and local government leaders to encourage development of smaller starter homes in Washington County below $420,000.

Democratic candidates said their housing plans focused on local engagement and encouraging different financial and zoning reforms to boost affordable housing construction in Wisconsin. 

A campaign spokesperson for Milwaukee County Executive David Crowley said Crowley would gather local leaders in rural, urban and suburban communities to find housing solutions that fit their communities. Crowley has done this with partners to build affordable housing throughout Milwaukee County, the spokesperson said.

Rep. Francesca Hong, D-Madison, said in a statement that as governor she would use a combination of tax incentives, zoning reform and public bank-backed construction financing stabilization to make it easier to build affordable housing. She said she would also encourage home ownership models such as community land trusts and limited-equity co-ops.

Sen. Kelda Roys, D-Madison, said she would direct more dollars to existing affordable housing programs to speed up the time it takes for developers to get necessary funding. Roys said she wants changes to zoning laws to allow types of housing that works for certain neighborhoods around the state, such as accessory dwelling units or higher density housing in transit and commercial corridors. Additionally, Roys said she would encourage more market-rate housing development and expand support systems such as housing vouchers to help ease costs of buying a home. 

Crowley, Hong and Roys all expressed interest in a Right to Counsel program that would provide free legal representation for tenants at risk of eviction. 

A campaign spokesperson for Missy Hughes, the former head of the Wisconsin Economic Development Corp., said Hughes will share a more “comprehensive vision” of her housing plan over the course of the campaign. 

Beer vendor Ryan Strnad said he would be open to increasing subsidies for lower-income housing across the state. 

Notable

Watch your mail if you’re a disabled worker. The Wisconsin Department of Workforce Development began sending notices to 13,000 disabled workers who might be eligible for past unemployment benefits they were previously denied. 

Several legislative committees meet at the Capitol this week. Here are a few worth watching: 

• Assembly Committee on Agriculture: The committee on Tuesday will hold a public hearing on Assembly Bill 30, which would entirely prevent a foreign adversary from acquiring agriculture or forestry land in Wisconsin. The bill follows a national trend of states that are passing stricter prohibitions on who can purchase farmland. Current state law prohibits foreign adversaries from holding more than 640 acres for purposes tied to agriculture or forestry. 
• Senate Committee on Health: Lawmakers will hear public testimony during its meeting Wednesday on Senate Bill 534, a Republican-led bill to legalize medical mairjuana and create a regulation office for patients and caregivers tied to the Department of Health Services. 
• Assembly Committee on Government Operations, Accountability and Transparency: Lawmakers will hold an informational hearing following a Cap Times report that 200 cases of teacher sexual misconduct and grooming cases were shielded from the public between 2018 and 2023.

Wisconsin faces a housing affordability crisis. Here’s how lawmakers and candidates for governor plan to address it. is a post from Wisconsin Watch, a non-profit investigative news site covering Wisconsin since 2009. Please consider making a contribution to support our journalism.