| Abstract | The thesis examines the multifaceted issue of housing affordability in the European union (EU) by integrating theoretical concepts with empirical evidence. It employs a panel data analysis to analyze the impact of economic, demographic, and institutional factors on housing affordability across EU member states. Key variables such as housing price index, construction costs, household size, building permits, urbanization, net migration, homeownership rates, and employment rates are evaluated. The findings reveal the complexity of housing affordability, indicating that it fluctuates independently of any single factor, suggesting the need for nuanced, evidence-based policies. The study highlights the importance of both supply-side measures, such as encouraging new construction, and demand-side interventions, like financial assistance for low-income households, while considering the implications of demographic trends. This research contributes valuable insights for policymakers, urban planners, and stakeholders, emphasizing the necessity for continuous monitoring and strategic planning to enhance housing affordability and promote social well-being and equity in the EU. |
