At Habitat for Humanity, we know that a family should never have to spend more than 30% of their income on a home. But consider that even before the coronavirus pandemic, more than 18 million U.S. households were paying half or more of their income on a place to live. Now, as the economic impacts of the pandemic continue to be felt, millions of families are at risk of losing their homes. This is especially true for Black Americans and other people of color who were disproportionately impacted by the economic fallout of the crisis and who have faced greater housing unaffordability and insecurity. This is unacceptable. To increase housing affordability and security for all households, policymakers at all levels of government need to address the immediate affordability needs of families facing eviction or foreclosure due to a crisis, as well as the ongoing, structural unaffordability of home for low-income individuals and families across the rental and homeownership spectrum. Both immediate housing stability assistance and lasting improvements to overall affordability are critical for ensuring that households can recover from the pandemic and for preparing us a nation to weather the next crisis.