According to a report from Realtor.com on housing supply in 2025, the country is still short about 3.8 million homes , even after construction activity improved last year.A U.S. household now needs to earn about $110,000 per year to afford a typical home, according to Redfin . That is roughly 29% higher than the nation's median household income.The growth of build-to-rent housing is happening as the U.S. faces a major housing affordability crunch .Developers say the renters often fall into two main groups: ...