<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>rcpt</author><text>It&amp;#x27;s the heart of the problem. Prop 13 means there&amp;#x27;s zero financial downside to appreciating home values which leads to NIMBYs on steroids.</text><parent_chain><item><author>Nifty3929</author><text>One under-appreciated topic is the extent to which we dis-incent people to sell their homes as they age. Through prop 13 (in California), and a stepped-up cost basis at death (in the US) - we give people very strong financial incentives to continue ownership.&lt;p&gt;As a result you have (forgive me) old people who either remain in their homes or rent them out instead of selling them, long after they otherwise would.&lt;p&gt;I think this is still not as big a factor as the simple lack of building - but it sure doesn&amp;#x27;t help.</text></item></parent_chain></comment><story><title>95% of Bay Area Cities Lost Zoning Authority</title><url>https://darrellowens.substack.com/p/96-of-bay-area-cities-lost-zoning</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>penneyd</author><text>A law was recently passed that allows you to sell and move and keep your property tax rate that was designed to alleviate this issue.</text><parent_chain><item><author>Nifty3929</author><text>One under-appreciated topic is the extent to which we dis-incent people to sell their homes as they age. Through prop 13 (in California), and a stepped-up cost basis at death (in the US) - we give people very strong financial incentives to continue ownership.&lt;p&gt;As a result you have (forgive me) old people who either remain in their homes or rent them out instead of selling them, long after they otherwise would.&lt;p&gt;I think this is still not as big a factor as the simple lack of building - but it sure doesn&amp;#x27;t help.</text></item></parent_chain></comment><story><title>95% of Bay Area Cities Lost Zoning Authority</title><url>https://darrellowens.substack.com/p/96-of-bay-area-cities-lost-zoning</url></story>