True Causes
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Why is housing unaffordable here?
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THE QUESTION

Why is housing unaffordable here?

The causes, deepest first. Disagreements stay on the map.

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This room’s map
What this room certified, on its own — the numbers below count these. Left to right: deepest causes first; outlined green boxes are the roots. Only direct links are drawn — a link implied by a path is on the record, not in the picture. Dashed red is contested. Hover for full text.
The city has no number for how many homes it needs → Offices sit empty while flats are unaffordableOffices sit empty while flats are unaffordable → Empty flats are worth more than let ones to some ownersThe viability assessment is written by the developer → The affordable quota is negotiated away after approvalThe people worst affected are never in the room → Rents rise faster than wages every yearThe affordable quota is negotiated away after approval → Nobody can afford to live where the work isCouncils cannot borrow to build at the scale needed → Nobody can afford to live where the work isLandlords price on what the market will bear, not on cost → Rents rise faster than wages every yearRents rise faster than wages every year → Renters move too often to vote hereEmpty flats are worth more than let ones to some owners → The last time this city built at scale it was after a warA single objection can delay a scheme by two years → Building anything takes years of permissionsHomelessness services are funded, prevention is not → Every year of delay is a year of someone's lifeBuilding anything takes years of permissions → The people worst affected are never in the roomRenters move too often to vote here → Politicians are elected by owners, not by rentersThe last time this city built at scale it was after a war → The city has no number for how many homes it needsPoliticians are elected by owners, not by renters → Converting an office costs more than building newPoliticians are elected by owners, not by renters → Every year of delay is a year of someone's lifeThe city has no number for how many homes it needsThe city has no number forpart of a feedback loopclusterCLUSTER 1Offices sit empty while flats are unaffordableOffices sit empty whileflats are unaffordablepart of a feedback loopThe viability assessment is written by the developerThe viability assessment iswritten by the developerCouncils cannot borrow to build at the scale neededCouncils cannot borrow toclusterCLUSTER 2Landlords price on what the market will bear, not on costLandlords price on what theclusterCLUSTER 3Empty flats are worth more than let ones to some ownersEmpty flats are worth morethan let ones to some…part of a feedback loopA single objection can delay a scheme by two yearsA single objection candelay a scheme by two yearsHomelessness services are funded, prevention is notHomelessness services arefunded, prevention is notThe last time this city built at scale it was after a warThe last time this citybuilt at scale it was afte…part of a feedback loopBuilding anything takes years of permissionsBuilding anything takesyears of permissionsThe affordable quota is negotiated away after approvalThe affordable quota isnegotiated away after…The people worst affected are never in the roomThe people worst affectedare never in the roomNobody can afford to live where the work isNobody can afford to liveclusterCLUSTER 4Rents rise faster than wages every yearRents rise faster thanwages every yearRenters move too often to vote hereRenters move too often tovote herePoliticians are elected by owners, not by rentersPoliticians are elected byowners, not by rentersConverting an office costs more than building newConverting an office costsmore than building newEvery year of delay is a year of someone's lifeEvery year of delay is ayear of someone's life
How this dialogue measures
why
The indicators the method's own practitioners use to judge a dialogue's quality (Laouris & Metcalf 2024, Table 7), computed from this record so it can be compared with the hundreds of face-to-face and virtual dialogues behind their baselines. Spreadthink is the share of ideas that got at least one vote: 100% means everyone voted only for their own, and it usually settles to 25–45% once meaning has been shared. Situational complexity falls as more ideas are structured.
ideas (N)
41 usual: 50–100
with 1+ vote / 2+ votes
26 / 19
spreadthink
58.3% usual: 25–55
demosensus
41.7%
clusters (dimensions)
4
cards in a cluster
19.5%
structured / levels / links
20 / 7 / 21
situational complexity
1.1
minds moved
cards hidden by the steward
0
pairs contested
0
The merged map
Every room on this question is a walkthrough: this is a demonstration of the merge, not a finding.
Folded from 3 rooms on this question — 3 are walkthroughs, with stand-ins rather than people.
why
Every group built its own map from its own wall; these are folded into one. The same claim raised in two groups is one item, and each connection shows how many groups found it. Where groups found opposite things, that is published as a conflict.
Every room’s map folded into one. Dark, thick lines were certified by two or more rooms; grey dashed by one; dotted grey only by rooms that do not count; dashed red is a dispute. A green card with ×N is a claim N rooms raised on their own; the caption says so. Hover a link or a claim for the rooms behind it. — 1 link certified by two or more rooms · 1 contested · 59 links in all.
The affordable quota is negotiated away after approval → Nobody can afford to live where the work is counted: Why is housing unaffordable The bank wants pre-sales before it lends → Nobody insures a small builder for a tall building counted: Why has housing become so exBringing an old building back costs twice new build → Building anything takes years of permissions counted: Why has housing become so exBuilding anything takes years of permissions → A small site is as expensive to permit as a large one counted: Why has housing become so exBuilding anything takes years of permissions → The people worst affected are never in the room counted: Why is housing unaffordable Children change school every time the tenancy ends → Nobody has ever asked us what would fix it counted: Why can working people no loChildren change school every time the tenancy ends → Nobody in my building knows their neighbours counted: Why can working people no loEmpty flats are worth more than let ones to some owners → The last time this city built at scale it was after a war counted: Why is housing unaffordable Empty flats are worth more than let ones to some owners → Rents rise faster than wages every year counted: Why has housing become so ex, Why can working people no loBeing evicted once makes the next tenancy harder to get → Nobody will rent to you without three months up front counted: Why can working people no loThe land price already assumes the permission → Building anything takes years of permissions counted: Why has housing become so exThe last time this city built at scale it was after a war → The city has no number for how many homes it needs counted: Why is housing unaffordable Nobody builds for people who do not have a deposit → Quality is what you get when someone stays for the whole job counted: Why has housing become so exNobody builds for people who do not have a deposit → Every consultee has a veto and none has a deadline counted: Why has housing become so exOffices sit empty while flats are unaffordable → Empty flats are worth more than let ones to some owners counted: Why is housing unaffordable The owner is a company in another country → Nobody enforces the standards that already exist counted: Why can working people no loThe owner is a company in another country → There is no register of who owns what counted: Why can working people no loA permission takes longer than the money is available for → The lender's rules decide the flat layout, not the family counted: Why has housing become so exRents rise faster than wages every year → Renters move too often to vote here counted: Why is housing unaffordable Rents rise faster than wages every year → Nobody can afford to live where the work is counted: Why has housing become so exRents rise faster than wages every year → The people who decide have never been served a notice counted: Why can working people no loRents rise faster than wages every year → We are the majority here and have no seat anywhere counted: Why can working people no loRents are set by what the last desperate person agreed to → Empty flats are worth more than let ones to some owners counted: Why can working people no loRenters move too often to vote here → Politicians are elected by owners, not by renters counted: Why is housing unaffordable Reporting a landlord takes a year and you have moved by then → Empty flats are worth more than let ones to some owners counted: Why can working people no loA single objection can delay a scheme by two years → Building anything takes years of permissions counted: Why is housing unaffordable A small site is as expensive to permit as a large one → Two regulators disagree about the same wall counted: Why has housing become so exTwo regulators disagree about the same wall → A small site is as expensive to permit as a large one counted: Why has housing become so exTwo regulators disagree about the same wall → There is no trade left that can do lime plaster counted: Why has housing become so exThe viability assessment is written by the developer → The affordable quota is negotiated away after approval counted: Why is housing unaffordable The archaeology survey took nine months and found nothing → A permission takes longer than the money is available for counted: Why has housing become so exThe archaeology survey took nine months and found nothing → We cannot compete for land against a firm that can wait counted: Why has housing become so exThe city has no number for how many homes it needs → Offices sit empty while flats are unaffordable counted: Why is housing unaffordable Councils cannot borrow to build at the scale needed → Nobody can afford to live where the work is counted: Why is housing unaffordable The flat is cold because the landlord pays no heating bill → Nobody in my building knows their neighbours counted: Why can working people no loHomelessness services are funded, prevention is not → Every year of delay is a year of someone's life counted: Why is housing unaffordable Landlords price on what the market will bear, not on cost → Rents rise faster than wages every year counted: Why is housing unaffordable Nobody in the council can read a build programme → Empty flats are worth more than let ones to some owners counted: Why has housing become so exNobody enforces the standards that already exist → You are asked for a guarantor who owns property counted: Why can working people no loNobody enforces the standards that already exist → The flat is cold because the landlord pays no heating bill counted: Why can working people no loNobody insures a small builder for a tall building → We cannot compete for land against a firm that can wait counted: Why has housing become so exNobody knows what the flat next door pays → Building anything takes years of permissions counted: Why can working people no loNobody knows what the flat next door pays → Rents are set by what the last desperate person agreed to counted: Why can working people no loThe people worst affected are never in the room → Rents rise faster than wages every year counted: Why is housing unaffordable Politicians are elected by owners, not by renters → Converting an office costs more than building new counted: Why is housing unaffordable Politicians are elected by owners, not by renters → Every year of delay is a year of someone's life counted: Why is housing unaffordable There is no trade left that can do lime plaster → Bringing an old building back costs twice new build counted: Why has housing become so exWe cannot compete for land against a firm that can wait → Rents rise faster than wages every year counted: Why has housing become so exBuilding anything takes years of permissions → Rents rise faster than wages every year counted: Why can working people no lo said no: Why is housing unaffordable The bank wants pre-sales before it lends raised in: Why has housing become so exThe bank wants pre-saleshow many rooms raised this claim1 ROOMChildren change school every time the tenancy ends raised in: Why can working people no loChildren change schoolhow many rooms raised this claim1 ROOMBeing evicted once makes the next tenancy harder to get raised in: Why can working people no loBeing evicted once makeshow many rooms raised this claim1 ROOMThe land price already assumes the permission raised in: Why has housing become so exThe land price alreadyhow many rooms raised this claim1 ROOMNobody builds for people who do not have a deposit raised in: Why has housing become so exNobody builds for peoplehow many rooms raised this claim1 ROOMThe owner is a company in another country raised in: Why can working people no loThe owner is a company inhow many rooms raised this claim1 ROOMReporting a landlord takes a year and you have moved by then raised in: Why can working people no loReporting a landlord takeshow many rooms raised this claim1 ROOMA single objection can delay a scheme by two years raised in: Why is housing unaffordable A single objection canhow many rooms raised this claim1 ROOMThe viability assessment is written by the developer raised in: Why is housing unaffordable The viability assessment ishow many rooms raised this claim1 ROOMThe archaeology survey took nine months and found nothing raised in: Why has housing become so exThe archaeology survey tookhow many rooms raised this claim1 ROOMCouncils cannot borrow to build at the scale needed raised in: Why is housing unaffordable Councils cannot borrow tohow many rooms raised this claim1 ROOMHomelessness services are funded, prevention is not raised in: Why is housing unaffordable Homelessness services arehow many rooms raised this claim1 ROOMLandlords price on what the market will bear, not on cost raised in: Why is housing unaffordable Landlords price on what thehow many rooms raised this claim1 ROOMNobody in the council can read a build programme raised in: Why has housing become so exNobody in the council canhow many rooms raised this claim1 ROOMNobody knows what the flat next door pays raised in: Why can working people no loNobody knows what the flathow many rooms raised this claim1 ROOMRents are set by what the last desperate person agreed to raised in: Why can working people no loRents are set by what thehow many rooms raised this claim1 ROOMA permission takes longer than the money is available for raised in: Why has housing become so exA permission takes longerhow many rooms raised this claim1 ROOMThe affordable quota is negotiated away after approval raised in: Why is housing unaffordable The affordable quota ishow many rooms raised this claim1 ROOMA small site is as expensive to permit as a large one raised in: Why has housing become so exA small site is aspart of a feedback loophow many rooms raised this claim1 ROOMThere is no trade left that can do lime plaster raised in: Why has housing become so exThere is no trade left thatpart of a feedback loophow many rooms raised this claim1 ROOMBuilding anything takes years of permissions raised in: Why has housing become so ex, Why is housing unaffordable , Why can working people no loBuilding anything takespart of a feedback loop×3how many rooms raised this claim3 ROOMSTwo regulators disagree about the same wall raised in: Why has housing become so exTwo regulators disagreepart of a feedback loophow many rooms raised this claim1 ROOMBringing an old building back costs twice new build raised in: Why has housing become so exBringing an old buildingpart of a feedback loophow many rooms raised this claim1 ROOMNobody enforces the standards that already exist raised in: Why can working people no loNobody enforces thehow many rooms raised this claim1 ROOMThere is no register of who owns what raised in: Why can working people no loThere is no register of whohow many rooms raised this claim1 ROOMEvery consultee has a veto and none has a deadline raised in: Why has housing become so exEvery consultee has a vetohow many rooms raised this claim1 ROOMQuality is what you get when someone stays for the whole job raised in: Why has housing become so exQuality is what you gethow many rooms raised this claim1 ROOMNobody will rent to you without three months up front raised in: Why can working people no loNobody will rent to youhow many rooms raised this claim1 ROOMNobody has ever asked us what would fix it raised in: Why can working people no loNobody has ever asked ushow many rooms raised this claim1 ROOMNobody insures a small builder for a tall building raised in: Why has housing become so exNobody insures a smallhow many rooms raised this claim1 ROOMThe lender's rules decide the flat layout, not the family raised in: Why has housing become so exThe lender's rules decidehow many rooms raised this claim1 ROOMThe city has no number for how many homes it needs raised in: Why is housing unaffordable The city has no number forpart of a feedback loophow many rooms raised this claim1 ROOMEmpty flats are worth more than let ones to some owners raised in: Why has housing become so ex, Why is housing unaffordable , Why can working people no loEmpty flats are worth morepart of a feedback loop×3how many rooms raised this claim3 ROOMSThe last time this city built at scale it was after a war raised in: Why is housing unaffordable The last time this citypart of a feedback loophow many rooms raised this claim1 ROOMOffices sit empty while flats are unaffordable raised in: Why is housing unaffordable Offices sit empty whilepart of a feedback loophow many rooms raised this claim1 ROOMThe people worst affected are never in the room raised in: Why is housing unaffordable The people worst affectedhow many rooms raised this claim1 ROOMThe flat is cold because the landlord pays no heating bill raised in: Why can working people no loThe flat is cold becausehow many rooms raised this claim1 ROOMYou are asked for a guarantor who owns property raised in: Why can working people no loYou are asked for ahow many rooms raised this claim1 ROOMWe cannot compete for land against a firm that can wait raised in: Why has housing become so exWe cannot compete for landhow many rooms raised this claim1 ROOMRents rise faster than wages every year raised in: Why has housing become so ex, Why is housing unaffordable , Why can working people no loRents rise faster than×3how many rooms raised this claim3 ROOMSNobody in my building knows their neighbours raised in: Why can working people no loNobody in my building knowshow many rooms raised this claim1 ROOMRenters move too often to vote here raised in: Why is housing unaffordable Renters move too often tohow many rooms raised this claim1 ROOMThe people who decide have never been served a notice raised in: Why can working people no loThe people who decide havehow many rooms raised this claim1 ROOMWe are the majority here and have no seat anywhere raised in: Why can working people no loWe are the majority herehow many rooms raised this claim1 ROOMNobody can afford to live where the work is raised in: Why has housing become so ex, Why is housing unaffordable , Why can working people no loNobody can afford to live×3how many rooms raised this claim3 ROOMSPoliticians are elected by owners, not by renters raised in: Why is housing unaffordable Politicians are elected byhow many rooms raised this claim1 ROOMConverting an office costs more than building new raised in: Why is housing unaffordable Converting an office costshow many rooms raised this claim1 ROOMEvery year of delay is a year of someone's life raised in: Why is housing unaffordable Every year of delay is ahow many rooms raised this claim1 ROOM
counted Why has housing become so ex · steward trusted by this instance
counted Why is housing unaffordable · steward trusted by this instance
counted Why can working people no lo · steward trusted by this instance
Dotted grey: a link certified only by rooms that do not count — shown, never a verdict. Hover a link for which rooms certified it and which said no; hover a claim for where it was raised and any evidence attached.
As a list — 59 links, graded by how many rooms found each; and 4 claims raised in more than one room
RAISED IN MORE THAN ONE ROOM
◆ Rents rise faster than wages every year 3 rooms
◆ Empty flats are worth more than let ones to some owners 3 rooms
◆ Nobody can afford to live where the work is 3 rooms
◆ Building anything takes years of permissions 3 rooms
EVERY LINK · solid and thicker: found by more rooms · dashed grey: one room
Empty flats are worth more than let ones to some owners → Rents rise faster than wages every year 2 rooms
A permission takes longer than the money is available for → The lender's rules decide the flat layout, not the family 1 room
A single objection can delay a scheme by two years → Building anything takes years of permissions 1 room
A single objection can delay a scheme by two years → Converting an office costs more than building new 1 room
A single objection can delay a scheme by two years → Politicians are elected by owners, not by renters 1 room
A small site is as expensive to permit as a large one → Two regulators disagree about the same wall 1 room
Being evicted once makes the next tenancy harder to get → Nobody will rent to you without three months up front 1 room
Bringing an old building back costs twice new build → Building anything takes years of permissions 1 room
Building anything takes years of permissions → A small site is as expensive to permit as a large one 1 room
Building anything takes years of permissions → The people worst affected are never in the room 1 room
Children change school every time the tenancy ends → Nobody has ever asked us what would fix it 1 room
Children change school every time the tenancy ends → Nobody in my building knows their neighbours 1 room
Councils cannot borrow to build at the scale needed → Nobody can afford to live where the work is 1 room
Empty flats are worth more than let ones to some owners → The last time this city built at scale it was after a war 1 room
Homelessness services are funded, prevention is not → Every year of delay is a year of someone's life 1 room
Landlords price on what the market will bear, not on cost → Converting an office costs more than building new 1 room
Landlords price on what the market will bear, not on cost → Rents rise faster than wages every year 1 room
Nobody builds for people who do not have a deposit → Quality is what you get when someone stays for the whole job 1 room
Nobody builds for people who do not have a deposit → Every consultee has a veto and none has a deadline 1 room
Nobody enforces the standards that already exist → You are asked for a guarantor who owns property 1 room
Nobody enforces the standards that already exist → The flat is cold because the landlord pays no heating bill 1 room
Nobody in the council can read a build programme → Empty flats are worth more than let ones to some owners 1 room
Nobody insures a small builder for a tall building → We cannot compete for land against a firm that can wait 1 room
Nobody insures a small builder for a tall building → Rents rise faster than wages every year 1 room
Nobody knows what the flat next door pays → Rents are set by what the last desperate person agreed to 1 room
Nobody knows what the flat next door pays → Building anything takes years of permissions 1 room
Offices sit empty while flats are unaffordable → Empty flats are worth more than let ones to some owners 1 room
Politicians are elected by owners, not by renters → Converting an office costs more than building new 1 room
Politicians are elected by owners, not by renters → Every year of delay is a year of someone's life 1 room
Renters move too often to vote here → Politicians are elected by owners, not by renters 1 room
Rents are set by what the last desperate person agreed to → Rents rise faster than wages every year 1 room
Rents are set by what the last desperate person agreed to → Empty flats are worth more than let ones to some owners 1 room
Rents rise faster than wages every year → Nobody can afford to live where the work is 1 room
Rents rise faster than wages every year → Renters move too often to vote here 1 room
Rents rise faster than wages every year → We are the majority here and have no seat anywhere 1 room
Rents rise faster than wages every year → Every year of delay is a year of someone's life 1 room
Rents rise faster than wages every year → The people who decide have never been served a notice 1 room
Reporting a landlord takes a year and you have moved by then → Empty flats are worth more than let ones to some owners 1 room
Reporting a landlord takes a year and you have moved by then → Rents rise faster than wages every year 1 room
The affordable quota is negotiated away after approval → Nobody can afford to live where the work is 1 room
The archaeology survey took nine months and found nothing → We cannot compete for land against a firm that can wait 1 room
The archaeology survey took nine months and found nothing → A permission takes longer than the money is available for 1 room
The bank wants pre-sales before it lends → We cannot compete for land against a firm that can wait 1 room
The bank wants pre-sales before it lends → Nobody insures a small builder for a tall building 1 room
The city has no number for how many homes it needs → Offices sit empty while flats are unaffordable 1 room
The flat is cold because the landlord pays no heating bill → Nobody in my building knows their neighbours 1 room
The land price already assumes the permission → Building anything takes years of permissions 1 room
The last time this city built at scale it was after a war → The city has no number for how many homes it needs 1 room
The owner is a company in another country → You are asked for a guarantor who owns property 1 room
The owner is a company in another country → There is no register of who owns what 1 room
The owner is a company in another country → Nobody enforces the standards that already exist 1 room
The people worst affected are never in the room → Politicians are elected by owners, not by renters 1 room
The people worst affected are never in the room → Rents rise faster than wages every year 1 room
The viability assessment is written by the developer → The affordable quota is negotiated away after approval 1 room
There is no trade left that can do lime plaster → Bringing an old building back costs twice new build 1 room
Two regulators disagree about the same wall → There is no trade left that can do lime plaster 1 room
Two regulators disagree about the same wall → A small site is as expensive to permit as a large one 1 room
We cannot compete for land against a firm that can wait → Rents rise faster than wages every year 1 room
We cannot compete for land against a firm that can wait → Nobody can afford to live where the work is 1 room
Connections several groups found (1 of 59)
Empty flats are worth more than let ones to some ownersRents rise faster than wages every year2 groups
Rooms disagree (1)
Judged in opposite directions by different rooms, with no side reaching 75% of the rooms that judged it. It stays on the record and has been referred onward to further rooms.
⚑ Building anything takes years of permissions → Rents rise faster than wages every year 1 room yes · 1 no