Sermon copyright (c) 2025 Dan Harper. As delivered to First Parish in Cohasset. The text below has not been proofread. The sermon as delivered contained substantial improvisation.
Readings
The first reading was from the book Rough Sleepers by Tracey Kidder. This book tells the story of Dr. Jim O’Connell, who has provided medical care for Boston’s homeless people for four decades.
“A troubling philosophical issue also loomed. [Jim] served on a panel that was compiling a study of studies for the National Academies of Sciences. The aim was to show that housing for homeless people improved their health and saved the public money, and yet no studies fully supported those widely held claims, none at least that met the standards of the academics on the committee. Some of Jim’s old allies refused to give up the cost-savings argument. He wrote me privately: ‘Housing homeless people is mandatory. A human right. But I have long been skeptical of the drive to show that it saves money, because that leaves housing dependent on whether it saves money. Ridiculous. Who would ever say that Mass General [Hospital] exists to save money?’”
The second reading, “Once the World Was Perfect,” a poem about hope for the future by Joy Harjo, is not included here due to copyright restrictions.
Sermon
This is another sermon topic that came from a question posed by people in this congregation during last year’s question-box service. Someone asked, “What can we do about the reality that there is so much injustice and inequality in the world while we are surrounded by such abundance?” This is such a big topic that I felt I had to split it up into a couple of different sermons. Earlier in the autumn, I spoke about White poverty. And today I’d like to talk about the ethics of housing.
I’ll begin by considering some of the ethical questions that confront us in the present housing situation. Although housing is a political issue, I’m not going to make this a political sermon, but rather I’m going to sort through some of the ethical considerations that arise when we talking about housing and access to housing. As usual, I’m not going to make a grand pronouncement and tell you exactly how to solve the housing crisis we’re facing in our region — I don’t pretend to have answers when far better minds than mine have failed to solve the housing crisis. But I do feel that it’s helpful to sort through the ethical issues involved, and see if there’s a possibility of bridging the various divides in our society that seem to prevent us from making much progress in the housing crisis. And I’ll end with some thoughts about the spiritual and religious implications of the housing crisis.
And before I begin looking at the ethics of housing, I should tell you my personal moral bias. Personally, I feel that everyone should have safe and affordable housing. But if we’re going to have an ethical discussion, I don’t want to focus on my personal moral feelings, I want to focus on broad values that can be held by a wide range of people in our society.
Let’s start by reviewing the extent of the current housing crisis. First, if we look at homelessness, about three quarters of a million people in the United States are living on the street, in their car, in a shelter, or in transitional housing.(1) There are also a large number of people who are couch-surfing, that is, staying with friends and acquaintances but moving frequently “with no fixed address.”(2) I was unable to find much hard data on the number of couch surfers, but a 2017 study found that 20.5% of young adults aged 18 through 25 were couch surfers in the past twelve months.(3)
Moving beyond people who are homeless, about 5.2 million households in the United States receive federal rental assistance (most of them are working families).(4) Perhaps another 10 million households were waiting for some form of government subsidized housing.(5) And close to half of all renter households live in so-called cost-burdened housing, where more than 30% of the household income goes towards rent(6) I was unable to find equivalent statistics for homeowners, but no doubt there are plenty of homeowners spending more than 30% of their income on housing costs.
So much for statistics. Now let’s move on to some ethical considerations.
First, do people have a right to housing? From a legal perspective, the answer is no. Attorney Maria Massimo summed it up neatly in the Boston College Law Review when she wrote, “In the United States, housing is treated as a commodity or investment, rather than as a human right.”(7) Yet if housing is not a legal right, should we nonetheless feel an ethical compulsion to provide housing to people who need it? On this question, our society is divided. One important strain of American ethical thinking asserts the importance of personal responsibility and self-reliance. Our very own Ralph Waldo Emerson, who spent eight years as a Unitarian minister before becoming a full-time writer, said, “It is only as a man puts off all foreign support, and stands alone, that I see him to be strong and to prevail.”(8) Another important strand of American ethical thinking asserts the importance of equal justice for all persons. John Haynes Holmes, another Unitarian minister as well as one of the cofounders of the NAACP (National Association for the Advancement of Colored People), also placed a high value on personal responsibility; but, drawing on the Christian tradition, he preached that society had the responsibility to help the poor and downtrodden.
There are of course other ethical strands that have shaped us, but these two seem especially important when considering the ethics of housing. Each of these two ethical strands has a very different understanding of the role of the individual in curing social ills.
On the hand, the ethical strand that believes fighting evil is primarily the responsibility of an individual asserts that the best way to fight social evils is to assign primary responsibility to individuals. Today, this ethical stance tends to deplore government intervention in social problems, such as providing housing or food assistance, because of the belief that individuals, not impersonal social structures, are ultimately responsible for taking care of themselves.
On the other hand, the ethical strand that believes fighting evil is primarily a battle to be fought at the level of social institutions asserts that the best way to fight social evils is to assign primary responsibility to the major institutions. Such institutions are presumed to have more power than mere individuals. Today, this ethical stance tends to advocate for using government and other large-scale institutions in solving social problems, such as providing housing or food assistance, because of the belief that individuals are not powerful enough in themselves to fight social evils.
These two ethical stances perceive people who are homeless or cost-burdened by housing in two different ways. One ethical stance believes that if you’re homeless or cost-burdened, you have some personal flaw that has led to your housing problems. The other ethical stance believes that if you’re homeless or cost-burdened, it’s not your fault but the fault of impersonal forces outside your control. And given that American society is strongly influenced by American Christianity, sin and salvation tend to enter these ethical stances: either sinfulness is within you and within your power to do away with; or sinfulness comes from without and you need the help of others to cast it out.
Now of course I’m oversimplifying things here. Both these ethical stances are more subtle and more nuanced than I’m making them out to be. Nevertheless, let’s take these oversimplified ethical stances and apply them to three real-life situations.
The first case study comes from an actual homeless person I knew, although I’m obscuring personal details to preserve confidentiality. I was helping serve dinner at a homeless shelter a decade or so ago, and I got to know some of the guests. One of them was a personable and articulate middle-aged woman who was quite forthright in saying that she was homeless due to her alcohol addiction. She knew alcohol addiction was a disease. She knew about social inequalities. But she also knew that had the choice to go into recovery sooner, and if she had done so she could have kept herself from being homeless.
The second case study also comes from an actual homeless person I met, and again I’ve changed some of the details to preserve confidentiality. A young man in his late twenties arrived at the homeless shelter in his car, and gave a little as I greeted him. He had grown up in an affluent suburb, gone to college, and gotten a good job. But he had been laid off at the same time as he faced unforeseen medical bills, and before he knew it he was living on the streets in his car. He had a job, but he couldn’t come up with the down payment for a new apartment, and even if he had that rents had gotten so high that he couldn’t afford them anyway. He knew he had made mistakes in his life (just as we all have), but on the whole nothing he had done should have pushed him into homelessness.
The third case study concerns a family that I met, not in a homeless shelter, but through a social event. This family had made some less than ideal financial choices — the parents had not built up their savings when they could have, and they foolishly left good jobs just so they could move to a place they hadn’t adequately researched. Then when the parents’ new jobs didn’t pan out, they moved back to the major urban area where they had begun; one spouse and the children were able to move back in with the parent of that spouse — but there was no room for the other spouse, who wound up couch surfing. In this case, the family had made some poor choices, but their poor choices were not of a magnitude to send one of them into functional homelessness.
From these three stories, we can see that’s it’s not a good idea to make blanket ethical judgements. We can’t make a blanket statement that homelessness can only result from poor personal choices; the second and third case studies show that it’s not always entirely the fault of the person concerned. We also can’t make a blanket statement that homelessness only results from societal forces; the first and third case studies show that sometimes we do have to take into account individual responsibility.
Thus an ethics of housing has to be flexible enough to cover a wide range of actual cases. An inflexible pronouncement that housing problems are always the fault of the individual (but never the responsibility of society) is not very helpful. An inflexible pronouncement that housing problems are always the result of societal forces (but never the responsibility of the individual) is also not very helpful. I believe it might help us bridge some political divides in our country if we could adopt more flexibility in our ethical pronouncements.
But ethics in a multicultural democratic society like ours must also take into account that different citizens can hold quite different views of the world. Now we’re starting to get into the realm of religion, because these different world views often correspond with different religious views. But here again, we have to let go of old stereotypes.
Take, for example, the Christian worldview. The ethical stance that emphasizes personal responsibility may be held by progressive Christians in the tradition of Ralph Waldo Emerson, and also by conservative Christian evangelicals. The ethical stance that emphasizes protecting individuals from societal forces may be held by progressive Christians and Jews who emphasize community ties over individualism, and also by conservative Christians who feel called by their religion to care for the poor and to feed the hungry. It seems to me that Christian priorities depend a great deal on whether you prioritize Jesus’s commandment to love your neighbor as yourself, or whether you prioritize the parts of the Christian scriptures that tell you to take individual responsibility for gaining everlasting life.(9)
We also find diverse ethical priorities among atheists. Some atheists emphasize survival of the fittest, with the thought that the human race will be stronger if we allow weaker humans to die off (I’m making this sound harsh, but it is a valid and defendable ethical stance). Other atheists emphasize that because there is no God, then we humans not only have the ability, we also have the responsibility to solve human-caused problems like poverty and hunger. And there are many other possible atheist ethical stances besides. Similarly, we find diverse ethical priorities among Buddhists. So-called “engaged Buddhists” apply Buddhist teachings to social and political issues. Other Buddhists prefer to focus on withdrawing from a chaotic world to seek enlightenment within oneself. And of course there are other possible Buddhist priorities as well.
Often, people just assume that their ethical priorities are shared with everyone else. The progressive Christian who assumes that everyone believes in the Golden Rule is going to be frustrated by the atheists who believes that saving people from trouble goes against the principle of the survival of the fittest. The atheists who believes it’s up to humans to solve human-caused problems is going to be frustrated by Buddhists who turn away from the chaos of the world to seek enlightenment within. And so on.
I would like to suggest that we Unitarian Universalists should be especially good at helping people look at their ethical assumptions, and helping people speak more openly about their ethical priorities. This should be one of our strengths, because this is the foundation of our own religion — we are always questioning things and examining our own assumptions. Furthermore, our communities often include people who have a fairly wide range of religious worldviews — First Parish, for example, includes Christians and Jews, Buddhists and atheists, Transcendentalists and existentialists and who knows what else. If you’re going to be part of a Unitarian Universalist community, you have to be able to cultivate an openness to other ways of thinking about the world, openness to other ways of being in the world. You might call this our hidden secret superpower.
At this point, I’d like to return to the question that prompted this sermon: “What can we do about the reality that there is so much injustice and inequality in the world while we are surrounded by such abundance?” Here on the South Shore, we live surrounded by great abundance — abundance of beauty, abundance of community resources, abundance of financial wealth, and so on. Here on the South Shore, we also live surrounded by housing inequality: we have many cost-burdened renters, we have plenty of people living in subsidized housing,(10) we have lots of people who are couch-surfing, we even have a few people who are living in their cars or sleeping rough.
We also live in a time of great polarization. It seems to me that we are especially polarized when it comes to housing. Here in Massachusetts, affordable housing proposals often prompt divisive and bitter political battles — witness, for example, the divisive battle going on right now in Milton, which voted not to comply with the state MBTA zoning law. Unfortunately, bitter and divisive political battles like these often serve to distract people from reaching goals we all share, such as making housing more affordable. Once we get involved in bitter and divisive politics, no one wins — everyone loses.
So here’s my answer to the question “What can we do about the reality that there is so much injustice and inequality in the world while we are surrounded by such abundance?” — We can use our secret superpower of openness to other ways of thinking about the world to help bridge the divides that separate us. We can do this by showing our willingness to listen to other points of view, and to try to find common ground with people we don’t agree with. As people who believe that creeds or dogmas are limiting, we can show our willingness to think creatively, to think outside the box, working together with many different people to find ways of making housing more affordable, without relying on the usual partisan politics.
I really can’t emphasize enough the power of our secret superpower of openness to other ways of thinking about the world. The political world of the United States is currently dominated by dogmatic thinking. And such dogmatism is not going well. It’s up to people like us to help out country move away from polarization, and move towards flexible, pragmatic thinking and action. This may not seem like much, but I actually feel it could be revolutionary — we can help our fellow citizens to listen to one another, to come together to solve the massive problems that face us, and begin building a land where all people are valued for who we are.
In the words of poet Joy Harjo:
A spark of kindness made a light.
The light made an opening in the darkness.
Everyone worked together to make a ladder.
[One] person climbed out first into the next world,
And then the other clans, the children of those clans, their children,
And their children, all the way through time —
To now, into this morning light to you.
Notes
(1) Part One of the “2024 Annual Homelessness Assessment Report” by the Office of Community Planning and Development of the U.S. Department of Housing and Urban Development; this report is dated December, 2024, and offers a “point in time” snapshot of homelessness. https://www.huduser.gov/portal/sites/default/files/pdf/2024-AHAR-Part-1.pdf
(2) “Hidden homelessness – the realities ‘couch surfing’,” 17 April 2019, VincentCare website https://www.vincentcare.org.au/news/latest-news/hidden-homelessness-the-realities-couch-surfing/
(3) Study by Chapin Hall cited in Susanna Curry and Gina Miranda Samuels, “Youth Homelessness and Vulnerability: How Does Couch Surfing Fit?”, American Journal of Community Psychology, August 2017, DOI: 10.1002/ajcp.12156
(4) Center on Budget and Policy Priorities, “United States Federal Rental Assistance Fact Sheet,” 23 January 2025, https://www.cbpp.org/research/housing/federal-rental-assistance-fact-sheets#US
(5) “Housing Agency Waiting Lists and the Demand for Housing Assistance,” Public and Affordable Housing Research Corporation, February 2016, https://www.pahrc.org/wp-content/uploads/2019/10/spotlight-housing-agency-waiting-lists-and-the-demand-for-housing-assistance.pdf
(6) “Nearly Half of Renter Households Are Cost-Burdened, Proportions Differ by Race,” September 12, 2024, Press Release Number: CB24-150 https://www.census.gov/newsroom/press-releases/2024/renter-households-cost-burdened-race.html
(7) Maria Massimo, “Housing as a Right in the United States,” Boston College Law Review, vol. 62:273, https://bclawreview.bc.edu/articles/76/files/639ad28b6069d.pdf
(8) Emerson, “Self Reliance.”
(9) See, e.g., John 3:16.
(10) According to the most recent state report from the Executive Office of Housing and Livable Communities, here’s the percentage of Chapter 40B Subsidized Housing Inventory (SHI) as of September 30, 2025, for towns where First Parish members and friends live:
Cohasset 10.38%
Hanover 10.94%
Hingham 10.33%
Hull 1.66%
Marshfield 10.31%
Pembroke 8.78%
Scituate 6.08%
This report is online here: https://www.mass.gov/doc/subsidized-housing-inventory-2/download