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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