The Great Recession changed housing. Millions in the US have decided to rent instead of buy. Corporations bought many of the houses near the bottom of the market. Rents are up. Available housing is down. Fortunately, new construction is building apartments. Unfortunately, developers realize that they can make more money building luxury units rather than a little for for everybody. As much as 82% of the apartments being built are luxury apartments, because that’s where the money is. The people, unfortunately, find fewer options, and more of their income going to housing. Wealth and income inequality increase.