Local housing labs replace federal steadiness

With HUD leadership changes and federal policy uncertainty, cities and local providers are increasingly running their own experiments — zoning tweaks, accessory‑unit programs, novel subsidy structures — to preserve affordability. These local 'labs' vary widely in ambition and scale and are becoming the primary vehicle for policy innovation in housing. — If municipal experimentation becomes the default response to federal retrenchment, national housing outcomes will be shaped by uneven local capacity, producing geographic winners and losers and making coordination, legal preemption, and funding friction central political issues.