Tyler Cowen recently linked to a study that suggests the public does not believe in supply and demand, at least when applied to the housing market:
Recent research finds that most people want lower housing prices but, contrary to expert consensus, do not believe that more supply would lower prices.
Before addressing housing, it’s worth noting that a similar sort of pessimism crops up in many other contexts. And as we’ll see, it is a mistake to view this pessimism as a denial of the supply and demand model—something else it going on.
Consider the following two scenarios, presented to an average person:
A. A firm faces much higher costs for an important ingredient to its product.
B. A firm benefits from much lower costs for an important ingredient for its product.
In each case, what is the firm likely to do? To an economist, nothing could be simpler. Our models are symmetrical. A profit-maximizing firm will have an incentive to raise prices in case A, and cut prices in case B. (BTW, theory predicts these outcomes even if the firm is a monopoly.)
Over the course of my life, I’ve found that this is not how average people look at things. It’s not a question of not being aware of supply and demand, they have asymmetric pessimism. What are the causes of this pessimism?
1. Perhaps the asymmetric pessimism is true. Maybe firms really would raise prices in case A, but not cut them in case B. In any meaningful long run sense this is not the case. But it is not impossible that consumers might have noticed a few real world examples of prices not being cut right away, due to nominal “price stickiness”.
2. In a generally inflationary environment, people might correctly notice prices rising much more often than they fall. Economists are interested in relative prices, but the average person looks at nominal prices. If a firm raises prices by 2% in a year of 4% CPI inflation, that’s a price cut to an economist and a price rise to an average person.
3. Perhaps people are reluctant to sound naïve, or Pollyannaish. I’m hardly the first person to notice that pessimism is more intellectually fashionable than optimism. People like Stephen Pinker are viewed as notable contrarians merely for pointing to a bunch of positive trends that every half way educated person should already know about. The world is getting richer, healthier and safer? What else is new? But apparently he has become a controversial figure.
4. The media mostly reports bad news. So what is a voter to think when asked if some new government policy would fix some long standing problem? Do they expect to wake up next year to newspapers reporting that our economic problems are now solved and that housing is now “affordable”?
5. Equating greed with high prices. Actually, firms that cut prices after input prices fall are being “greedy”. But many people probably assume that the profit-maximizing option in that case is to not cut prices. Because they’ve already decided that firms are greedy, they then reason backward to the conclusion that prices won’t be cut.
I suspect that people do believe that the laws of supply and demand apply to the housing market. Ask them what will happen to apartment rents if a flood of immigrants pour into their town. I suspect that they are answering a different question from what an economic pollster thought they were asking. The pollster might think they’re asking, “Other things equal, how does more housing supply impact price?” The public might respond as if asked “If this regulatory tweak happens, do I expected apartment rents to be lower a year from today?
In my view, these poll questions are not particularly useful. Instead, envision a country where one political party is opposed to building more housing and the other political party favors a massive push to increase the supply of new housing. And also suppose that these policy views are widely known among the public. Now ask a young voter about to graduate from college which party is likely to make housing more affordable.
We don’t need to speculate on that question. A few months ago the British Conservatives campaigned on a somewhat Nimby platform, whereas Labour ran on a strongly YIMBY platform. Check out this survey from the recent election:
You might assume that this pattern is due to the fact that richer people vote Conservative. But it’s not that simple:
In fairness, a portion of Conservative voters were retirees with modest incomes, who may have been more affluent when younger.
READER COMMENTS
steve
Sep 20 2024 at 5:18pm
I think it’s mostly that the media covers negative stuff and as you note, people notice prices going up but not when they come down or how it compares to their pay changes. Plus, if any economic that is negative can be amplified by a think tank, or similar, when it has political implications that will be done so ad nauseam.
I also think that nuance doesnt do well when it comes to economics. I think that’s due to a combination of general economic illiteracy and poor writing by many writing on economic issues.
Steve
Jim Glass
Sep 20 2024 at 8:12pm
Of course they don’t, who ever taught them about it? This is the gist of a real discussion I had with a married couple who are long-time friends, successful and very well educated. They were concerned about the cost of housing and how to reduce it …
Me: “Easy. Supply & Demand. Build more and the price will go down. The problem is you two, you don’t want the value of your apartment in Brooklyn Heights to go down”. Them: “Of course we don’t, but there have to be other ways. How about giving buyers tax credits?” “Nope, keep supply the same while giving buyers more money, the price will go *up*. Supply & Demand”. “How about subsidies for some buyers…” “Nope, same thing, price will go up. Supply & Demand”. Etc. They just couldn’t grok S&D.
I’ll say again, our school systems should drop algebra and geometry as required courses and substitute ‘applied to real life level’-economics and statistics. Pricing by S&D is an alien concept to the human mind and needs to be taught. “Just price” is the natural human concept, and price controls go back to Babylon.
Ronald Coase opined that human economic preferences and basic thinking were built into our genome “in those millions of years in which our ancestors (whether or not they can be classified as human) lived in hunting bands” and take forms that aided their survival *then*. (So of course people today hate being price gouged.) And that to adjust them to our world, economists ultimately are going to have to consult with the likes of sociobiologists. A man ahead of the field in that way as in many others … but I digress.
steve
Sep 21 2024 at 10:38am
Housing is too emotional and politicized an issue. Ask them about something else. I find most people understand that prices for hotels go up during the summer since there is more demand and down during the winter as there is less demand.
Steve
Robert EV
Sep 21 2024 at 2:09pm
I was renting an apartment once. A new “luxury” complex was built nearby and my complex started renovating. I don’t know that the new complex was causal to the renovations. Regardless, a few short years after I moved out I checked prices again at my previous complex and they had basically doubled.
Maybe some apartments a few miles away were cheaper as a result. I don’t know.
Robert EV
Sep 21 2024 at 1:55am
I don’t know how to dig for the data, but I’m curious how this worked out price-wise during China’s recent boom-bust cycle of home building.
My first thought on looking at the top chart is that “live with family/friends” would be U shaped on an age graph, but more highly loaded for young people. While “own with a mortgage” and “own outright” would be respectively increasing on an age graph. “Own outright” also implies job/material stability. When you’ve got job/material stability, you do not want it to change!
Also, where do nursing homes and the like come in? Are they under social or private rent?
Jim Glass
Sep 21 2024 at 2:13am
Even Adam Smith didn’t know how supply-demand pricing works. Why are diamonds so much more valuable than water? He didn’t know. Ricardo didn’t know. Something to do with labor probably, they both thought. People have watched each others’ economic activity for literally all of human history. Think of all the great civilizations and all the geniuses who have lived in them. Yet nobody figured out why diamonds are more valuable than water until the 1870s. It is not natural for people to understand supply-demand.
OTOH, the broad and general cognitive biases towards pessimism and fear are well documented and completely natural to humans, as they were adaptive “in those millions of years in which our ancestors (whether or not they can be classified as human) lived in hunting bands”, promoting their survival. Today in our world, not so much. But we still live in a sea of them because they remain in our programming, As Kahneman said: System 1.
Kevin Corcoran
Sep 23 2024 at 12:03pm
This is a common misunderstanding about Adam Smith, usually driven by someone having read the single snippet of WoN where Smith raises the question about the relative price of diamonds and water, and concludes from that one segment that Smith must have had no answer to it. But if you read Smith’s work in full, you see that simply isn’t the case. Smith goes on in book one, chapter eleven of WoN to note that the high price of jewels is explained by their utility, beauty, and scarcity, saying “They are of no use, but as ornaments; and the merit of their beauty is greatly enhanced by their scarcity or by the difficulty and expense of getting them up from the mine.” He even describes something like how economists today say the market price of something will tend to approximate the marginal cost of producing it, noting that the price of gems and precious metals “is regulated all over the world by their price at the most fertile mine in it.” The little out-of-context snippet from Smith notes that the price discrepancy between water and diamonds might seem strange given that water has more utility than diamonds, but Smith goes on to point out that there is more that goes into the price of something than mere utility. Scarcity and the demand for the item are movers here too. Smith also explains other causes of the high demand for such ornaments in TMS, where he talks about people’s strong desire for “baubles and trinkets.”
And in his Lectures on Jurisprudence, which predates WoN, he was already making similar points about water and diamonds. Smith points out that market prices are determined by “quite other circumstances” than the labor that goes into producing something, with such circumstances being “demand or need” or the “abundance or scarcity in proportion to the needs.” This is why water, with its abundance, “is so cheap as to be got for the lifting” whereas the high price of diamonds was driven by the scarcity of them and the high demand from the “extremely rich” – who sought them specifically because of their scarcity.
Kenneth Duda
Sep 21 2024 at 10:28am
Scott (and Jim Glass),
The question of “will more housing result in lower prices” is fraught with peril. The reality is that we could build 10,000 new units in Palo Alto and prices would still go up compared with today, and only a tiny amount less than without the new housing, because 10,000 is such a tiny fraction of the amount of new housing we need to drive regional prices to their “natural” level (the level they’d be at without all the regulatory interference). A better estimate is more like 1 million Bay Area wide — and even if we built that much, by the time we’re done, nominal prices might still be higher due to inflation, changes in the natural rate, and increased productivity in the area leading to more in-migration.
Jim, maybe this is already what you said to your friends, but the amount of housing we need to build to move prices significantly is so enormous that it requires state-level or even national action. Implying that building some more housing locally will result in lower prices may be barely true if you define “lower” as “every so slightly lower than prices would be without the new housing”, but this is not a helpful way to enhance lay understanding of the issue. Your implication that building more housing in Brooklyn Heights would have any noticeable impact on your friends’ apartment price is almost surely wrong, unless you imagine covering every square meter with skyscrapers to meet the entire national housing shortfall. We have a mobile population.
The cause of high prices is not your local NIMBY town council. It’s the aggregate affect of NIMBY town councils everywhere. It’s impossible to fix at a local level.
-Ken
Robert EV
Sep 21 2024 at 2:04pm
Additionally, similar to the increase in unemployment rates as underemployed or discouraged workers start applying for full-time jobs again, fewer places and higher prices both encourage people to live in more crowded situations than they otherwise would. Some number of people living with family or roommates would live on their own if prices slightly decrease, resulting in a push up of home prices. And that’s not even including speculation.
This really reminds me of pH buffers in chemistry. There’s a narrow pH range that the buffer system maintains until enough additional acid or enough additional base is added that the pH starts changing dramatically.
Scott Sumner
Sep 21 2024 at 9:18pm
Rather than a national problem, I’d say it’s mostly a California problem. States like Texas seem to do a pretty good job of meeting demand for more housing.
But yes, Palo Alto alone cannot do much. But every new house helps.
Kenneth Duda
Sep 21 2024 at 10:29am
Why is it that paragraph breaks work for everyone on this site besides me?
Don Geddis
Sep 21 2024 at 11:22am
Try adding an extra blank line between your paragraphs. (Double-space them.)
Then it comes out like this.
Whereas this one looks right when writing the comment, but the break disappears after posting.
Jeff
Sep 21 2024 at 3:57pm
Everything is explained perfectly if you understand that when the average person talks about “housing prices” they are referring to “houses with yards in non-run-down neighborhoods”. Is it not reasonable to surmise that the proposals to increase the supply of other types of housing will likely increase the price of the former?
Scott Sumner
Sep 21 2024 at 9:16pm
No, that’s not reasonable. Building more of any type of housing tends to reduce all housing prices.
Comments are closed.