DescriptionThis dissertation argues that despite massive public interventions at the federal and state levels, the private delivery of affordable housing in amounts sufficient to satisfy local demand is impossible to achieve. That the vast socio-economic differences within and between states has never been taken into account or incorporated into national housing policies. Instead, the distribution of finite housing resources has been skewed to a median statistic for nearly half a century, providing a majority of benefits to a narrow band of households earning between 50 and 80 percent of the Area Median Income (AMI). That the national affordability standard fails to accommodate the great variation in both income and housing costs has left individual states to devise statutory schemes aimed at addressing challenges unique to their individual jurisdictions. The most celebrated is found in New Jersey, where the landmark Mount Laurel decisions were codified into legislation that in 1985 established the most progressive affordable housing process in the nation. Over the past quarter century, Mount Laurel has taught many lessons. Perhaps most important is that the adequate provision of affordable housing will never be accomplished where there is strong demand and high delivery costs. Similarly, attempts to overreach are met with considerable resistance, impeding the delivery of even modest amounts of affordable housing. These lessons have helped to form the foundation of this research, where an assessment of the affordable housing produced in all fifty states is examined within the context of state mandated programs like Mount Laurel. To accomplish this objective required the use of both the 1990 and 2000 decennial censuses, where the output generated identifies both the least and most productive affordable housing states in the nation. These results are used to substantiate the conclusions drawn, which advocate for a new national housing affordability standard and more cogent public policies to ensure the equitable distribution of scarce housing resources.