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This book is about housing as an essential good that people need for individual survival, but it has become interwoven with economic and social activities in various communities through financial engineering in a free-capitalist-market economy. Although houses are built as private capital assets, every house not only benefits from mortgage loan as leverage but also from community infrastructure and support services. Hence, this book is written to conceptualize local housing marketplaces for public policy administration that continues to encourage invaluable social responsibility of voluntary charities directly helping people without a profit motive in such a market environment. Such an approach to public policy administration is the way to ensure equal access to the affordable home that is decent and adequate in suitable living environment for various family sizes irrespective of income sizes.