The 21st Century ROAD to Housing Act: What It Means for Lodi and San Joaquin County
The 21st Century ROAD to Housing Act: What It Means for Lodi and San Joaquin County
LodiEye — July 2026 (Updated)
At a Glance
On July 11, 2026, the most significant federal housing law in roughly 50 years took effect. Rep. Josh Harder (CA-09) authored two of its provisions and calls it "the most important housing legislation since 1974." For Lodi and San Joaquin County, the law unlocks new financing tools, rewires federal grant formulas, and creates direct financial incentives — and penalties — tied to local housing production. This report breaks down every provision that touches our region, the specific projects it affects, and when each program activates.
2023–2031
(29.4% of cycle elapsed)
CDBG allocation
CDBG allocation
in Stockton/SJ County
Background: The Law and How It Passed
The 21st Century ROAD to Housing Act (H.R. 6644) became law on July 11, 2026, without President Trump's signature. Trump refused to sign it, demanding Congress first pass a voter ID bill. The 10-day constitutional deadline ran out and the bill became law by default. It had already cleared both the House and Senate with overwhelming bipartisan support.
ROAD stands for Revitalizing, Organizing, Accelerating, and Delivering. The final law packages 56 separate reforms — spanning FHA financing, community development grants, manufactured housing standards, environmental review, and institutional investor restrictions — into a single statute. Its primary House author is Financial Services Committee Chairman French Hill (R-AR), with Ranking Member Maxine Waters (D-CA) and Senate Banking Committee Chairman Tim Scott (R-SC).
Rep. Josh Harder, who represents Lodi, Stockton, and the broader San Joaquin Valley as CA-09, got two of his own bills folded into the final law. He chairs the bipartisan Build America Caucus and has argued for years that the Central Valley's housing deficit — part of what he describes as a national shortfall of 10 million homes — demands federal action at a scale Congress hasn't attempted in decades.
Why This Law Hits Different Here
The San Joaquin Valley doesn't have a shortage of land or zoning flexibility compared to coastal California. What it has is a financing gap. Market rents and sale prices in Lodi and Stockton don't support the construction costs of affordable units without subsidy. Every provision in this law that expands FHA financing, redirects federal grants, or lowers manufactured housing costs directly addresses that gap — without requiring Sacramento to act first.
Statewide Context: The California Perspective
CalMatters housing reporter Ben Christopher published a comprehensive look at what this law means for California as a whole — worth reading alongside this local breakdown. His reporting adds useful color: the bill originated as a joint Tim Scott (R-SC) / Elizabeth Warren (D-MA) proposal, the White House canceled a planned signing ceremony over an unrelated voter ID dispute, and experts caution the CDBG "Build Now" penalty will likely function as "a small nudge" rather than a dramatic shift for big cities like Los Angeles and San Francisco. Read the full piece: "Here's what the 'once-in-a-lifetime' federal housing bill means for California" (CalMatters, July 2026).
Rep. Harder's Two Provisions
Section 201: Increasing Housing in Opportunity Zones Act
Harder led this provision with Rep. Mike Kelly (R-PA). It requires HUD to give priority scoring to projects located in — or primarily serving residents of — federally designated Opportunity Zone census tracts when awarding any competitive housing grant.
This matters because Stockton has 19 designated Opportunity Zones, with identified development sites ranging from the San Joaquin County Fairgrounds to downtown parcels. Before this law, HUD competitive grant money flowed disproportionately to coastal metros. This provision changes the scoring calculus so that distressed inland communities like those in CA-09 compete more favorably for federal housing dollars.
Effective date: July 11, 2026. Self-executing. HUD must update competitive grant Notices of Funding Availability (NOFAs) to apply the preference — expected within months.
Section 303: Property Improvement and Manufactured Housing Loan Modernization Act
This provision does two things at once. First, it raises FHA Title I loan limits for manufactured homes. The prior limits — $69,678 for a single-section unit — were so far below actual construction costs that FHA-insured financing was effectively useless for new manufactured home buyers. The new limits are indexed to current costs.
Second, it adds ADU construction as an eligible use for FHA Title I property improvement loans. Previously, homeowners could use Title I to repair or improve their homes, but not to build a new accessory dwelling unit. That restriction is gone.
Lodi's existing Growth Management rules already exempt ADUs from the city's growth allocation caps — ADUs can be built without City Council approval. The bottleneck has been financing. Most Lodi homeowners cannot access a cash-out refinance or home equity line in a rising-rate environment to fund an ADU. Federal Title I financing changes that equation.
Effective date: July 11, 2026 for loan limit increases. HUD must establish a permanent indexing methodology by July 11, 2027.
Lodi's RHNA Position: The Urgent Context
California's 6th Cycle RHNA plan obligates Lodi to permit 3,909 new housing units between December 2023 and December 2031. As of the most recent annual progress report submitted to HCD, Lodi has permitted 358 units — 9.2% of its target. The planning cycle is 29.4% complete. That gap — 20 percentage points behind pace — is what makes several provisions of this law immediately consequential for the city.
Lodi RHNA 6th Cycle Progress by Income Band
Source: California HCD 6th Cycle RHNA Annual Progress Report | Data through April 2026 APR submission
The income-band breakdown is the hardest part of the story. Lodi has permitted zero units in the Very Low Income and Low Income categories — 1,532 households that need to be served by 2031, and not one permit issued yet. The 37 moderate-income units and 321 above-moderate units are real progress, but the affordable housing obligation is essentially untouched.
San Joaquin County (unincorporated areas) shows a different pattern: 1,788 of 3,695 units permitted, or 48.4% complete — well ahead of pace. But every one of those 1,788 units is above-moderate income. The county's VLI, LI, and moderate categories all show zero permits, the same as Lodi.
San Joaquin County RHNA Progress by Income Band
Source: California HCD 6th Cycle RHNA Annual Progress Report | Data through April 2026 APR submission
The CDBG Build Now Mechanism: Money on the Line
Section 213 of the law rewires the existing CDBG formula to create a performance incentive. Starting in FY2030, jurisdictions in the bottom tier of a national housing growth improvement rate ranking will lose 10% of their annual CDBG allocation. Those funds get redistributed as bonus payments to top performers.
The first critical deadline is September 9, 2026 — 60 days after enactment. HUD must notify every CDBG jurisdiction of its housing growth improvement rate by that date. That notification will tell Lodi and San Joaquin County where they stand nationally before the penalty clock starts.
FY2026 CDBG Allocation vs. Build Now 10% Exposure
Source: HUD FY2026 Formula Program Allocations | Penalty/bonus mechanism activates FY2030
September 9, 2026 is the most urgent near-term deadline. That is when HUD must notify Lodi and San Joaquin County of their housing growth improvement rates — the first time this metric will ever be calculated. Local officials need to understand their standing before FY2030 adjustments begin. A 10% CDBG penalty costs Lodi $66,526/year. Over the 14-year mechanism period (2030–2043), that is a cumulative $931,364 in lost community development dollars — or the same amount gained as a bonus for strong performance.
Important nuance: the mechanism applies only to the highest and lowest performers nationally. Jurisdictions near the median see no change. Exemptions also apply for communities with low median home values, high rental vacancy rates, or recent disaster designations. Lodi's $545,000 median home price likely disqualifies it from the low-value exemption. The city should verify its exemption eligibility now.
All Nine Programs: Benefits, Qualifications, and Timelines
1. Innovation Fund (§208)
This is the law's largest new competitive grant program. HUD will award between $250,000 and $10 million to local governments that demonstrate measurable increases in housing supply and have adopted pro-housing policies — streamlined permitting, by-right development, density bonuses, reduced parking minimums, or ADU legalization. Grant funds can be used for CDBG-eligible activities, new affordable housing construction, infrastructure, or as matching funds to unlock water and sewer grants.
Lodi's Growth Management Plan already exempts ADUs from growth caps and the city has enforceable RHNA production obligations. If Lodi demonstrates above-median production benchmarks by FY2027, it becomes a competitive applicant for grants in the $1–5 million range — enough to fill a major financing gap in a project like Lodi Commons.
| Milestone | Date |
|---|---|
| HUD must establish the fund | July 11, 2027 |
| First grant NOFAs expected | Fall/Winter 2027 |
| Annual funding authorized | $200M/year, FY2027–FY2031 |
| Program sunsets | July 11, 2033 |
2. CDBG: New Affordable Housing Construction Now Eligible (§204)
For the first time in CDBG history, local governments can direct up to 20% of their annual CDBG allocation toward new construction of affordable housing — not just rehabilitation. This provision is self-executing and requires no competitive application.
Effective: July 11, 2026. The City of Lodi and San Joaquin County can begin planning now to redirect a portion of FY2027 CDBG dollars toward construction at Lodi Commons or other eligible sites. This fills financing gaps that LIHTC and HOME dollars alone cannot cover.
3. HOME Program Reforms (§501)
Three changes to HOME Investment Partnerships that directly expand what local housing authorities can do:
- Income eligibility raised from 80% AMI to 100% AMI, opening the "workforce housing" band to teachers, healthcare workers, and service employees who previously didn't qualify
- Home value cap raised from 95% to 110% of average area purchase price, accommodating Lodi's rising costs
- NEPA exemption for small projects: infill housing, rehabilitation, and new construction of 15 units or fewer are now exempt from federal environmental review — eliminating months of delay on small infill projects
NEPA exemptions effective: July 11, 2026. Two HUD rulemakings for infrastructure eligibility and environmental review coordination are due July 11, 2027. HACSJ's Lodi Commons and Creekside South projects both stack HOME with LIHTC; the higher AMI threshold makes it easier to serve more Lodi households while satisfying income-targeting requirements.
4. Manufactured Housing: Chassis Requirement Eliminated (§301)
The law rewrites the federal definition of a manufactured home to remove the permanent steel chassis requirement — a regulatory holdover from 1974 that added $5,000–$10,000 to the cost of every unit and blocked two-story designs. The change is self-executing as of July 11, 2026.
HUD must issue revised construction and safety standards by July 11, 2027. California must submit a certification to HUD by the same date confirming it will treat chassis-free homes on par with traditional manufactured homes. Until California acts, builders cannot fully deploy the lower-cost designs, but the federal definition change still benefits buyers of homes that will be titled under HUD's updated standards.
5. FHA Title I: Manufactured Home and ADU Financing (§303)
This is Harder's second bill. Loan limits are raised to reflect actual construction costs, and ADU construction is added as an eligible use. Homeowners who want to build an ADU and can't access a cash-out refinance now have a federally backed option.
Effective: July 11, 2026. San Joaquin County's ReBLD program already offers pre-approved ADU designs, fee waivers, and fast-track permits. Adding FHA Title I financing to that program's marketing immediately makes the pre-approved designs accessible to a much larger pool of homeowners who previously had no financing path.
6. PRICE Grants: Manufactured Housing Community Preservation (§304)
Reauthorization and expansion of federal grants for the repair, preservation, and improvement of existing manufactured homes and manufactured housing communities. Competitive grants, with set-asides for tribal governments. Older manufactured housing parks in unincorporated San Joaquin County — where residents own their homes but rent the land — are the target demographic.
Reauthorized through July 11, 2033. Requires annual appropriations — funding not yet authorized.
7. RESIDE Conversion Grants (§210)
A new competitive grant program awarding $1 million to $10 million to local governments converting vacant commercial or industrial buildings to affordable housing (at or below 120% AMI). The program explicitly prioritizes Opportunity Zone communities.
Lodi's downtown revitalization effort has identified vacant commercial properties with housing conversion potential. Stockton's OZ-designated areas near the downtown core include commercial structures that have sat vacant through multiple economic cycles. This grant creates a federal funding path for conversions the private market won't undertake without subsidy.
Effective through September 30, 2031. Requires appropriations — not yet funded.
8. Planning and Implementation Grants (§207)
Competitive grants to help cities, counties, and regional planning agencies update zoning codes, reduce permitting barriers, and align housing production with transportation planning. The San Joaquin Council of Governments (SJCOG) and the City of Lodi could jointly apply for grants to fund zoning code modernization, a pre-approved ADU design library, and General Plan housing element implementation activities currently funded only through city general fund dollars — or not at all.
| Milestone | Date |
|---|---|
| HUD must establish the program | July 11, 2027 |
| Program sunsets | July 11, 2031 |
| Funding | Requires appropriations — not yet authorized |
9. Institutional Investor Purchase Ban (§1001)
The law prohibits any for-profit entity controlling 350 or more single-family homes from purchasing additional homes or duplexes. Penalties run up to $1 million per violation or three times the purchase price — whichever is greater. All penalty proceeds go into the HOME program.
Exceptions cover build-to-rent developments, rent-to-own programs, age-restricted 55+ communities, foreclosure acquisitions, and properties where the buyer commits to 15%+ rehabilitation. Manufactured homes are exempt. The ban is specifically limited to for-profit entities with large portfolios — small landlords are unaffected.
In recent years, institutional buyers competed aggressively in the Central Valley's single-family market, where lower prices delivered high cap rates compared to coastal markets. That competition has been a documented factor in price appreciation and reduced first-time buyer inventory in Stockton and surrounding communities.
| Milestone | Date |
|---|---|
| Institutional investor registration required | January 7, 2027 |
| Purchase ban takes effect | January 7, 2027 |
| Ban terminates | January 7, 2042 |
10. Rental Assistance Demonstration (RAD) Cap Increase (§601)
For two decades, public housing authorities have used HUD's Rental Assistance Demonstration program to convert aging public housing to a funding structure that allows borrowing and private investment for repairs. The program was capped at 455,000 total conversions nationwide — a ceiling housing authorities in Los Angeles and the Bay Area had already bumped up against. The new law raises that cap by 100,000 units.
HACSJ's aging public housing stock, including projects like Creekside South, relies on exactly this kind of conversion authority to attract the private capital needed for full rehabilitation. A higher national cap means less competition for a scarce federal allocation, improving HACSJ's odds of securing RAD authority for future rehab projects beyond what is already underway.
Effective: July 11, 2026. Self-executing cap increase; no rulemaking required.
11. CDBG-Disaster Recovery Permanent Authorization (§602)
Since the mid-1990s, the CDBG-Disaster Recovery program — the main source of long-term federal rebuilding money after wildfires, floods, and other disasters — has existed only through ad hoc, one-time appropriations after each disaster. This law writes the program into permanent law for at least three years, letting HUD pre-position funds and commit to a funding decision within 15 days of a disaster declaration, instead of waiting for Congress to act each time.
San Joaquin County and the broader Central Valley face real flood and wildfire-adjacent risk. A standing, permanently authorized recovery program means faster federal response if the region is ever hit — though the law does not appropriate any new disaster funding itself. That still requires a separate act of Congress after any future event.
Effective: July 11, 2026 for program authorization. No funding is attached until Congress appropriates dollars in response to an actual disaster declaration.
Projects in the Pipeline: Who Benefits and When
Lodi Commons / Salas Park Senior Housing
The Housing Authority of San Joaquin County (HACSJ), Delta Development Communities Corp. (DCDC), and the City of Lodi are co-developing Lodi Commons — a two-phase, 110-unit senior affordable housing project. The Lodi FY2026–27 Annual Action Plan confirms the 54-unit Seniors at Lodi Commons (Salas Park) phase as a City-funded priority, with a LIHTC application targeted for early winter 2026.
Applicable provisions
- §201 (OZ Grant Priority): If the project site falls within or adjacent to an Opportunity Zone tract, all HUD competitive grant applications now score higher — stacks on top of other eligibility criteria. Effective immediately.
- §204 (CDBG New Construction): City can redirect a share of FY2027 CDBG allocation directly to construction gap financing. Effective immediately.
- §501 (HOME Reforms): Higher AMI threshold expands eligible tenant pool; NEPA exemption speeds review on phases of 15 units or fewer.
- §208 (Innovation Fund): A $1–5M competitive grant could capitalize Phase 2 if Lodi demonstrates above-median production by FY2027.
Creekside South Apartments Renovation
HACSJ's Creekside South is a 40-unit HUD Section 8 senior complex in Lodi, originally built in 1972, currently undergoing full rehabilitation by DCDC. The project relies on stacked federal financing tools.
Applicable provisions
- §501 (HOME/NEPA): Rehabilitation is a core HOME-eligible activity; relaxed NEPA rules speed the ongoing work.
- §211 (FHA Multifamily Limits): Updated FHA multifamily loan limits improve the refinancing tools HACSJ and DCDC use to recapitalize aging assisted housing.
Westside "F" Annexation
Lodi has a Westside "F" annexation application covering approximately 95 acres near West Kettleman Lane and West Vine Street, with Planning Commission and City Council review anticipated in Summer/Fall 2026. The land is intended to expand Lodi's residential supply pipeline.
Applicable provisions
- §207 (Planning Grants): A SJCOG/City joint application could fund zoning updates, pre-approved design catalogs, and General Plan implementation for newly annexed land.
- §208 (Innovation Fund): Successful annexation and subsequent production strengthens Lodi's case as a high-performance jurisdiction.
- §209 (NEPA Streamlining): Reduces duplicative environmental review for infill projects built adjacent to previously reviewed parcels.
San Joaquin County ReBLD ADU Program
The County's ReBLD program offers pre-approved ADU designs, fee waivers, and fast-track permits in unincorporated urban areas near Stockton. The program has the infrastructure in place; what it has lacked is a financing pathway for homeowners who can't self-fund or access traditional home equity products.
Applicable provisions
- §303 (FHA Title I ADU Financing): Effective July 11, 2026, homeowners enrolled in ReBLD can now access federally backed Title I loans for ADU construction. This is the most direct and immediate benefit for existing ReBLD participants.
- §501 (HOME Infrastructure): Utility and sewer improvements required to activate ADU lots become HOME-eligible.
Stockton Opportunity Zone Housing Pipeline
Stockton's 19 designated Opportunity Zones include development sites around the Fairgrounds, downtown core, and waterfront. Multiple projects in the OZ pipeline have been staged and waiting for the right combination of private investment and public subsidy to close their financing gaps.
Applicable provisions
- §201 (OZ Grant Priority): Every competitive HUD grant application for OZ-sited projects now receives mandatory priority scoring. Effective immediately.
- §210 (RESIDE Conversion Grants): Vacant commercial structures in Stockton's downtown OZ tracts are prime candidates for $1M–$10M conversion grants once the program is funded.
- §208 (Innovation Fund): Stockton's pre-approved OZ project pipeline positions the city to apply as a high-capacity, fast-building jurisdiction.
Manufactured Housing Communities (County-Wide)
San Joaquin County's unincorporated communities have a higher-than-average share of manufactured housing. The combination of lower per-unit construction costs (chassis elimination), higher FHA financing limits, and PRICE preservation grants creates a three-layer federal support structure that didn't exist before July 11.
Master Timeline: What Happens When
| Date | Action |
|---|---|
| July 11, 2026 | Law takes effect. OZ grant priority (§201), CDBG new construction use (§204), ADU financing eligible (§303), chassis requirement eliminated (§301), and NEPA exemptions for small projects (§501) are all immediately effective. |
| September 9, 2026 | HUD must notify each CDBG jurisdiction of its housing growth improvement rate. Lodi and San Joaquin County learn where they stand nationally. |
| January 7, 2027 | Institutional investor registration and purchase ban take effect (§1001). |
| July 11, 2027 | HUD must establish Innovation Fund (§208) and Planning Grant program (§207). New manufactured housing safety standards due (§301). California must certify chassis-free home parity. FHA Title I indexing methodology due (§303). |
| Fall/Winter 2027 | First Innovation Fund competitive grant NOFAs expected. |
| October 1, 2029 | CDBG Build Now performance adjustments begin affecting allocations (§213). |
| FY2030–2031 | Innovation Fund fully operational at $200M/year; RESIDE and Planning Grants active (funding-dependent). |
| July 11, 2031 | Innovation Fund authorized period ends. Planning Grant program sunsets. |
| July 11, 2033 | PRICE grant reauthorization period ends. |
| January 7, 2042 | Institutional investor purchase ban terminates. |
What to Watch — and Do — Right Now
Several provisions activate today without any further federal action required. Others depend on appropriations that haven't happened yet. Local officials and housing authorities should distinguish between these two categories before deciding where to spend planning energy.
Self-executing now (no appropriation needed):
- OZ grant priority scoring on all HUD competitive applications
- CDBG 20% construction set-aside authority
- FHA Title I ADU financing eligibility
- Manufactured home chassis definition change
- HOME NEPA exemption for 15-unit-or-smaller projects
Authorized but requires appropriations:
- Innovation Fund ($200M/year)
- RESIDE Conversion Grants
- Planning and Implementation Grants
- PRICE Manufactured Housing Community Grants
Immediate actions for local officials:
- HACSJ and City of Lodi: Amend CDBG program statements to include a construction set-aside under the new §204 authority, effective FY2027.
- City of Lodi Community Development: Pull the September 9 HUD housing growth improvement rate notification the day it publishes and compare against the RHNA production targets. This determines CDBG penalty/bonus exposure beginning FY2030.
- San Joaquin County ReBLD Program: Update program marketing to advertise FHA Title I ADU financing as a new pathway for enrolled homeowners.
- SJCOG: Begin assembling data for an Innovation Fund pre-application. Identify Lodi, Stockton, and unincorporated areas that can demonstrate above-median production and adopted pro-housing policies.
- HACSJ Development Team: For all pending HUD competitive grant applications, document the Opportunity Zone overlap of project sites and intended beneficiary communities to strengthen scoring under §201.
One More Thing: California Needs to Act
Several provisions — especially the manufactured housing chassis elimination — require California to submit a certification to HUD by July 11, 2027, confirming that state and local codes will treat chassis-free homes on par with traditionally built manufactured homes. If California delays or qualifies its certification, the $5,000–$10,000 per-unit cost savings will not flow to San Joaquin Valley buyers as quickly as the federal law intends. This is worth tracking at the state level.
LodiEye is the original civic-reporting and analysis arm of Lodi411.com, a citizen-run civic data and transparency platform serving Lodi, California and San Joaquin County. LodiEye gathers information of public interest, applies editorial judgment to public records, meetings, and data, and publishes original explanatory reporting for its readers — the work of a newsroom, and a representative of the news media as that term is defined under federal law. Our reporting emphasizes primary sources, public data, and full source transparency so readers can check every claim. LodiEye complements, and does not replace, the other outlets covering this region; for additional reporting on Lodi, San Joaquin County, and the broader region, we also encourage readers to consult the Lodi News-Sentinel, Stocktonia, The Sacramento Bee, CalMatters, and other established news organizations. Our full editorial standards and news-media-status statement is published at lodi411.com/editorial-standards.
This LodiEye policy analysis was produced using artificial intelligence tools under the direction and review of the founder. Lodi411 uses multiple AI platforms in its research and publication workflow, including Anthropic's Claude (primarily Opus and Sonnet models) and Perplexity AI across a variety of large language models offered by each. These tools were used in the following capacities:
Source Discovery: Perplexity AI was used for initial source discovery and real-time data retrieval, identifying primary sources across the House Financial Services Committee, Bipartisan Policy Center implementation tracker, HUD FY2026 formula allocation spreadsheets, California HCD 6th Cycle RHNA Progress Report CSV, HACSJ development pipeline, and Lodi City annual action plans. Claude was used for deeper analysis of identified primary documents.
Credibility Validation: AI cross-referenced claims across multiple independent sources, prioritizing government datasets (HUD, HCD, Congress.gov), institutional policy analysis (BPC, NACO, NLIHC), and established news reporting (CalMatters, NPR, MultifamilyDive). Key data points — RHNA production figures, CDBG allocations, program timelines — were verified against primary government CSV and PDF sources directly downloaded from HUD and California Open Data portals.
Analysis and Synthesis: Perplexity AI and Claude Sonnet assisted in mapping each of the law's 56 provisions to specific local projects, calculating CDBG penalty/bonus exposure from live HUD allocation data, deriving the RHNA pace gap from HCD's 6th cycle progress data, and building the provision-by-project match framework that structures this report.
Presentation: Claude assisted in drafting, structuring, and formatting the report for clarity and readability, including the provision-timeline tables, the project-specific detail boxes, and the master implementation timeline. Kendo UI charts were specified and built to visualize the RHNA income-band gaps and CDBG exposure data sourced from live government files.
Final Review: Multiple AI models reviewed the completed draft for factual consistency, source attribution accuracy, logical coherence, and balanced presentation. Throughout the process, the editor sets the report's goals, scope, and tone; creates and shapes draft content; reviews and edits the report; integrates independent fact checks; and reviews the AI cross-checks and validations. Multi-tool cross-checking across independent models and sources is the primary error-reduction mechanism.
Lodi411/LodiEye believes that transparency about how our research is produced — including our use of AI under human direction — strengthens trust with readers and the broader information ecosystem. Readers who spot an error are encouraged to write editor@lodi411.com so we can correct it.
Sources
- Bipartisan Policy Center — 21st Century ROAD to Housing Act Implementation Tracker
- House Financial Services Committee — 21st Century ROAD to Housing Act Becomes Law
- House Financial Services Committee — Section-by-Section Summary
- Contra Costa News — Harder's Bills Headed to President's Desk
- National Association of Counties — Landmark Housing Reform Bill Becomes Law
- NPR — Housing Affordability Bill Becomes Law Without Trump's Signature
- CalMatters — Here's What the "Once-in-a-Lifetime" Federal Housing Bill Means for California (Ben Christopher)
- California Open Data — RHNA Progress Report (6th Cycle CSV)
- HUD — FY2026 Formula Program Allocations
- Plan Lodi — Housing Element
- Plan Lodi — City Expansion Projects
- Housing Authority of San Joaquin County — Lodi Commons
- Housing Authority of San Joaquin County — Creekside South Apartments
- San Joaquin County — CDBG/HOME Entitlement Programs
- San Joaquin County — ReBLD Program
- Advantage Stockton — Opportunity Zones
- CommunityScale — The 21st Century ROAD to Housing Act: Build Now
- Multifamily Dive — Bipartisan Federal Housing Bill Becomes Law