This bill directs the Government Accountability Office (GAO), the federal government's investigative arm, to study and report on housing affordability challenges for middle-income households within one year of the bill's passage. The study will identify barriers middle-income families face in finding affordable housing, pinpoint geographic areas where housing is least accessible to this group, and catalog federal housing programs (such as tax credits, grants, and loans) that currently exclude middle-income earners. The GAO will also recommend a clear federal definition for "workforce housing"—housing affordable to families earning between 80 and 120 percent of their area's median income—and suggest ways to modify or create federal programs to serve this population if additional funding becomes available. The bill does not appropriate new funding itself; it is primarily a fact-finding measure aimed at better understanding middle-class housing needs and developing a consistent definition to guide future policy.
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