Why it matters: Most housing policy (zoning, permitting, fees) is local. Oct 2024—Affordable housing carve-out: BLM conveyed 20 acres to Clark County at$100/acre for ~210 homes. Portland, Ore.: New Residential Infill Project (RIP) and the Residential Infill Project Part 2 (RIP2) legalized middle housing. The Trump administration has signaled interest in trimming “junk fees.”PMI example:PMI = 1.85% of loan amount annually. On a $500,000 loan, PMI = $9,250/year, or $771/month.