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496 pages, Hardcover
First published January 1, 2007
In short, we know that between the 1920s and 1960s both the geographical and intellectual settings for white homeowner vigilantism had clearly changed. The mob that descended upon Kendal Street represented a new generation of white resistance to racial integration--ethnically more inclusive, predominantly home-owning and suburban. And postwar whites organized to maintain the color line at a time when it was impolitic, at best, to announce one's racism out loud. Nonetheless, the similarities between the Garland and Kendal Street episodes, and the apparent continuity of white hostility to integrated neighborhoods, raise a fundamental question that this study seeks to answer: If most northern whites had disavowed racism and supported the principle of racial equality, why did so many continue to oppose residential integration? What motivated postwar whites to exclude black people from their neighborhoods? [5]
Most commentators treat white racism as something unchanging and as conceptually separable from other variables that fuel conflict between groups (including racial groups). Scholars generally portray white racism as a static, though ill-defined, sentiment, an irrational and misguided antipathy toward nonwhites. … Largely missing from this important scholarship is an investigation of how whites' racial thinking itself changed during the years that the United States became a predominantly suburban and home-owning nation. Like many studies of the postwar metropolis, this book argues that race did matter- that whites' racial views and preferences continued to shape struggles over housing and neighborhoods in the 1940s, 1950s, and 1960s. But unlike most studies, it argues that whites' ideas about race were undergoing a fundamental transformation during these years. It explores an important facet of that transformation, by showing how whites grew deeply invested in new ideas about the relationship between race and property. And it argues that this new racial thinking was decisively shaped by the powerful new institutions and private practices that fueled postwar suburban growth while also successfully excluding most black people from its benefits. Rather than describe how other variables interacted with a presumably static white racism, I argue that white identity and white racism were being remade and that these changes were inextricably linked to a revolution in metropolitan political economy.
As whites abandoned theories about biological difference and hierarchy, they embraced the argument that racial minorities simply threatened white-owned property. This shift occurred as a majority of whites became property owners for the first time, and as the politics that facilitated this process encouraged whites to view property and property ownership through a powerful but distorted racial lens. New ideas about race were largely born in and sustained by the politics of metropolitan change itself. [12]
The most enduring legacy of developers' involvement was zoning's new focus on protecting the value of residential property. Originally framed as a panacea for a wide range of practical urban problems, by the mid- l910s zoning was portrayed in NCCP sessions primarily as a tool for shoring up real estate markets, especially for "high class" residential subdivisions.
Most studies treat zoning ordinances and racially restrictive covenants as discrete if sometimes complementary legal instruments of exclusion because zoning law addresses the right of public bodies to regulate the uses of privately owned property, whereas covenant law addresses the right of private persons to regulate uses of their own property. Zoning ordinances established and defined public powers, while covenants governed interactions between private individuals.86
Largely unexamined, as a result, are the ways that zoning and racial covenants shared an intellectual, cultural, and even legal provenance, a shared history documented by the courts' defense of both. [92]
Still most commentators understate the extent of federal subsidy and the depth of the federal role in shaping the private market for housing, because they focus almost exclusively on FHA and VA operations and because they do not examine how selective credit policy transformed the way that wealth in housing is generated in the modern United States. The FHA and VA worked in tandem with other powerful programs that subsidized and regulated the conventional mortgage market (for home loans not covered by FHA or VA insurance) and virtually created a secondary mortgage market (enabling investors to trade home finance debt like other securities). Taken together, this broad range of federal initiatives did more than shore up a struggling market for housing finance. It created a new kind of mortgage market and a new kind of mortgage industry, which together issued more credit, and thus produced far more wealth than their predecessors. These chapters situate federal mortgage policy within a much larger revolution in U.S. money and credit markets, demonstrating that postwar suburbanization was part and parcel of a fundamental transformation in the mechanics of American capitalism.
Because the programs that subsidized the mortgage market systematically excluded racial minorities, suburban growth and its corollary prosperity were not just state-managed but also inherently discriminatory. Federal housing policies did not merely "embrace ... the discriminatory attitudes of the marketplace," as the FHA's critics have long argued. Selective credit operations created a new kind of discriminatory marketplace.52
This structural transformation was accompanied by a change in national housing politics, an ideological change of equal importance. State involvement in the private housing sector helped popularize a mythical story about the mortgage revolution and suburban racial exclusion. Supporters of federal intervention insisted that market forces alone were spurring suburban growth and that it was these same impersonal forces that required the exclusion of minorities.