The Joint Center for Housing Studies explores how traditional housing affordability programs primarily target low-income households, leaving middle-income earners in a precarious position. Middle-income households typically earn too much to qualify for subsidized housing but struggle to afford market-rate housing, especially in areas with high housing costs. In response to this gap, new programs are emerging that specifically address the needs of middle-income renters. These initiatives aim to provide rental housing options that are more affordable than market rates but do not involve the extensive subsidies typically associated with low-income housing programs. The goal is to create a middle ground where households with moderate incomes can find housing that is within their financial reach. The JCHS article underscores the importance of these middle-income housing programs as a critical component of broader efforts to enhance housing affordability across income levels. By targeting this demographic, policymakers and housing advocates hope to alleviate some of the financial burden faced by middle-income families and individuals, thereby promoting more inclusive and sustainable housing solutions.