This document is the final report of the Centre for Social Justice about increasing the supply of truly affordable homes. In this report, the CSJ Housing Commission examines the costs of crisis – that is, not only the consequences of the affordable housing shortage for poorer households in England but also the eye-watering financial implications for the taxpayer of maintaining the status quo. The Centre for Social Justice (CSJ) is an independent think tank that studies the root causes of Britain’s social problems and addresses them by recommending practical, workable policy interventions. The CSJ’s vision is to give people in the UK who are experiencing the worst disadvantage and injustice every possible opportunity to reach their full potential.