HIP HIP HOOORAY! The housing bill is done and a huge win for all.
https://www.nahb.org/blog/2026/06/housing-bill-passage
The House today overwhelmingly approved the 21st Century ROAD to Housing Act, advancing to President Trump legislation that NAHB helped shape through a years-long advocacy effort to significantly boost housing production.
“NAHB applauds lawmakers for working in a bipartisan, bicameral way to pass historic housing legislation that will deliver real benefits for the American people,” said NAHB Chairman Bill Owens. “The 21st Century ROAD to Housing Act will help expand the nation’s housing supply by reducing regulatory barriers and encouraging local governments to reform zoning and land-use policies that have limited home building.”
Top 5 Provisions
This once-in-a-generation housing package includes more than 50 sections addressing housing supply, financing, disaster recovery and other priorities. NAHB provided input to Congress on many parts of the bill, but these five provisions are especially important to members:
- Land-Use and Zoning. The bill targets restrictive zoning and land-use policies that have limited residential construction. It directs the Department of Housing and Urban Development to work with stakeholders, including home builders and developers, to identify best practices and give state and local governments options to increase housing production. It also rewards communities that adopt policies that expand supply and support housing growth.
- Aging Housing Stock. This provision authorizes a pilot program to provide grants and forgivable loans for home repairs and health-hazard mitigation in aging housing.
- Multifamily Financing. FHA-insured multifamily loan limits have not changed in 12 years and no longer reflect market conditions. Raising those limits and indexing them to inflation will better align financing with construction costs and support new apartment development.
- Environmental Reviews. This provision streamlines the National Environmental Policy Act review process for small and infill housing projects, helping them move to construction faster.
- Community Banks. NAHB members rely on community banks to finance residential construction, but fewer of these lenders remain on Main Street. Multiple provisions are aimed at strengthening community banks and expanding access to housing credit.