The study finds that if minority families owned homes at the same rate as whites of a similar age and income, there would be an additional 3.5 million homeowners today. A major factor contributing to this gap is that minority and lower income famimlies experience continuing, and in many cases growing, inequalities in obtaining the financing necessary to purchase a home.

Describes existing inclusionary housing ordinances and programs, with a focus on those in Montgomery County, Maryland, Fairfax County, Virginia, Santa Fe, New Mexico, and the states of California and New Jersey. Inclusionary housing may be a viable policy proposal as we consider the land use and cost of growth elements of the Pima County Comprehensive Plan.