Housing Markets · Lesson 5
How governments move the housing market
Taxes, rules, programs and supply
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In this lesson
Recognise the main tools governments use on housing — demand rules, taxes, buyer programs and supply policies — and their effects.
Key takeaways
- Governments cool demand with mortgage rules, foreign-buyer limits and taxes on empty or speculative homes.
- Buyer programs (e.g. FHSA, longer first-time amortizations) help individuals but can add to demand.
- Supply policies (zoning, permits, development charges) are slow but address the root shortage.
- Population and immigration targets shift housing demand. Rules change often — check the current ones.
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Next lesson: Analysing a housing market like a pro
Educational information only - not financial advice.