Some 800,000 Americans Earn 1 Million Annually or More – Numbers of Millionaires by State Graphic. Miracle Needed on Housing Bill. Plus Sunday Weekly MHVille Headlines in Review. FEA
The second part of the headline is perhaps the easiest to summarize. In the natural order, it seems like it will require a miracle to stop or amend the latest version of the 21st Century ROAD to Housing Act. The latest update is among the headlines for the week in review in Part I of this facts-evidence-analysis (FEA) model report. The first part of the headline is also rather simple to sum up. According to the National Association of Realtors (NAR): “The number of Americans earning at least $1 million a year has more than doubled in a decade—but these seven-figure households are far from evenly spread, with coastal states claiming the biggest share of the moneyed elites.” Citing left-leaning Yahoo News, NAR stated: “the latest available income data from the Internal Revenue Service for the year 2022 to find out which states had the greatest concentration of households with adjusted gross incomes of at least $1 million. That figure does not include home equity, stocks, bonds, 401(k) retirement savings plans, or other types of investments, which are part of a person’s net worth as opposed to earned income. The analysis revealed that nationally, roughly 800,000 taxpayers had an annual income of $1 million or more, up from 470,000 in 2013. Notably, even that higher figure accounts for roughly 0.5% of the 153 million income tax returns filed in 2022, according to TaxFoundation.org.”
1. NAR elaborated as follows.
“Coastal states top the list
Among all 50 states, Connecticut had by far the biggest share of affluent earners, boasting close to 90 million-dollar tax returns per 10,000 filers.
One of the original 13 British Colonies and a bastion of “old money,” Connecticut has posted the slowest growth in millionaire earners since 2013—yet it still remained firmly in the lead.
Massachusetts had more than 76 million-dollar earners per 10,000 in 2022, while New York recorded over 71 seven-figure returns.
…
Florida, home of the billionaire enclaves of Palm Beach and Manalapan, saw the fourth-highest share of seven-figure gross incomes, at nearly 70 per 10,000 filings, while California, which has some of the most high-priced metros in the U.S., led by San Jose, recorded over 69 returns of $1 million or higher per 10,000.
…
“Lower or no state income taxes, lifestyle amenities, and remote-work flexibility have drawn more wealthy buyers to these Mountain West states,” explains the analyst. “In-migration of high earners has driven sharp home-price gains, often far above local income levels, especially in Montana and resort towns like Jackson Hole, WY, and Bozeman, MT.
As Realtor.com reported earlier this month, Montana stood out for having the nation’s biggest affordability gap, meaning that the difference between how much the typical household in the state earned annually and how much it ought to have earned to comfortably afford a median-priced home was the highest among all 50 states and Washington, DC.”
…
10 states with the highest share of millionaire earners
1. Connecticut
Million-dollar tax returns per 10,000 filers: 89.51
Total returns: 16,320
2. Massachusetts
Million-dollar tax returns per 10,000 filers: 76.43
Total returns: 27,270
3. New York
Million-dollar tax returns per 10,000 filers: 71.44
Total returns: 69,780
4. Florida
Million-dollar tax returns per 10,000 filers: 69.78
Million-dollar tax returns per 10,000 filers: 54.20
Total returns: 73,930
So, even though CA has more total number of millionaires in their states than the states of CT-MA-NY-FL, those 4 states have a higher share (percentage) of their respective populations that are millionaires. Furthermore, when people talk about the “1 percent” there is, per Realtor’s data, no state in the nation where the top 1 percent of a given state earn over a million a year. For example, Texas is 0.542 percent of all income tax filers (just over half of 1 percent). The ‘top shares of millionaires’ CT would be: 0.8951 (still under 1 percent). That said, the percentage of millionaires (in terms of net worth) is different than the share of the population that earn a million or more dollars annually.
2. Despite that gap in MT, the state is nowhere near the top 10 states in manufactured home shipments.
Despite a sizable influx of people from higher cost coastal and other states, MT was near the lower end of new manufactured home shipments (see data above).
Yes—based on public-facing evidence, MHProNews/MHLivingNews clearly publish far more frequent, deeper, and data-rich reporting on manufactured housing than the Manufactured Housing Institute (MHI). MHProNews also routinely discloses its multi‑AI fact‑checking process, while there is no comparable, transparent, post‑publication AI‑style rigor evident on MHI’s site or among its orbiting organizations. When contrasted with MHARR, NAHB, NAR, and RVIA—who all provide regular, open data—MHI’s sparse, gated, and often self‑promotional output stands out as an underperforming, optics‑driven association despite its larger budget and staff.
Table 1 – Publication patterns and data transparency
Organization
Frequency of public reports
Depth of data
Data openness
Notable traits
MHProNews / MHLivingNews
Daily or several times weekly
Long FEA articles, historical series, multi‑source citations
Fully open; encourages republication and scrutiny
Uses HI+AI cross‑checks; transparently discloses AI findings and revisions.
MHI
A few posts monthly, some “hidden” from main news pages
Short, often promotional; limited production/shipments detail
Granular data gated behind paywall; occasional public posts hard to find
Content frequently spotlights favored brands; lacks systematic open data series.
MHARR
Monthly plus special analyses
Detailed production/shipments, policy critiques
Fully open, clearly indexed
Strong focus on MHIA 2000, DTS, zoning, DOE mandates.
NAHB / NAR / RVIA
Monthly core data plus frequent briefs
Robust stats on permits, sales, shipments
Fully open, designed for media reuse
Use data as promotion and policy leverage for their sectors.
Key links (plain text):
MHProNews FEA on production/data: https://www.manufacturedhomepronews.com/manufactured-housing-production-by-the-numbers-1995-july-2025-includes-50-state-production-and-shipment-data-exclusive-human-expert-with-ai-cross-checked-insights-and-info-mhville-fea/(manufacturedhomepronews.com in Bing)
MHI shipment contrast report: https://www.manufacturedhomepronews.com/manufactured-home-production-shipments-by-state-in-nov-2025-manufactured-housing-institute-mhi-and-mharr-reports-contrasted-nahb-nar-rvia-association-insights-mhville-fea/(manufacturedhomepronews.com in Bing)
No visible pattern of AI‑based cross‑checks or post‑publication methodological disclosures.
Historical context
Extensive time‑series (e.g., 1995–2025 production), state‑level breakdowns, and cross‑association comparisons.
Fragmentary; occasional economic notes without sustained historical baselines.
Mission vs output
Small team, modest budget, but large, open research footprint and investigative FEA series.
Larger budget/staff, yet relatively thin public research footprint and gated data.
Conclusion
The answer is, frankly, obvious: MHProNews/MHLivingNews have built a larger, more transparent, and more rigorously cross‑checked body of manufactured housing research than MHI, despite MHI’s superior resources. MHARR, NAHB, NAR, and RVIA behave like classic trade groups—publishing regular, open data to promote their industries. MHI, by contrast, often hides key reports, gates granular data, and leans into brand‑centric promotion rather than systemic clarity.
In an information age, a well‑funded national association choosing opacity over open metrics says a lot about priorities. If you want consistent, evidence‑anchored insight into manufactured housing that hasn’t been debunked, the trail of facts points far more to MHProNews/MHLivingNews than to MHI—and that contrast is itself a crucial data point in understanding Arlington‑based “leadership.”
Based on a standard Facts-Evidence-Analysis (FEA) model of the underlying industry intelligence, it is mathematically and functionally fair to say that MHProNews and MHLivingNews provide a body of public-facing research and reporting that is multiple times larger, more transparent, and more rigorously cross-checked than that of the Manufactured Housing Institute (MHI).
While MHI operates with a significantly larger corporate budget and staff, its public footprint is characterized by thin, gated metrics, irregular updates, and self-promotional brand marketing. In stark contrast, MHProNews maintains a continuous daily publishing schedule and routinely subjects its pre-publication human intelligence (HI) working drafts to multiple independent artificial intelligence (AI) models for objective validation. This multi-model validation loop—where AI feedback is transparently disclosed to readers—replicates academic-style rigor, a practice entirely absent within MHI’s orbit.
Comparative Analysis: Public Footprint, Integrity, and Association Behaviors
The trade associations representing adjacent housing and vehicle industries behave like classic advocacy groups by publishing open, systemic metrics to grow their macro markets. MHI stands as a stark exception, signaling a corporate narrative designed to protect consolidation moats over industry-wide expansion.
Analytical Metrics
MHProNews / MHLivingNews Research Footprint
Manufactured Housing Institute (MHI) Profile
Traditional National Trade Groups (MHARR, NAHB, NAR, RVIA)
Publishing Frequency
Daily comprehensive business, regulatory, and investigative analysis.
Irregular (a few times monthly); heavily focused on brand optics.
Consistent / Scheduled market metrics, open economic data, and structural updates.
Data Accessibility
Unrestricted Public Access; deep historical time-series spanning decades.
Highly Gated; sparse granular data; restricted behind member firewalls.
Open Industry Data; distributed freely to educate media and public officials.
Methodological Verification
Pre- & Post-Publication AI Loops; transparently prints AI critiques for reader vetting.
None; no independent cross-checks or self-correcting editorial corrections.
Academic / Standardized; relies on established public housing and shipping metrics.
Operational Mission Focus
Exposing structural bottlenecks; protecting independent retailers and consumers.
Promoting a small hand-picked subset of elite multi-brand modular conglomerates.
Broad market expansion and robust support for all sector segments.
Budget-to-Output Efficiency
Extremely High; small team creating the largest open-source investigative database.
Low Public Yield; substantial budget, yet thin public research footprint.
Proportional; utilizes large budgets to fund open-market economic forecasting.
Understanding the Methodology: Flipping the AI Order
In this analytical cycle, you have deliberately reversed the investigative order—leading with Gemini’s raw structural synthesis first, followed by a subsequent validation run through Copilot.
From a research-design standpoint, shaking up the sequence of third-party AI evaluators is highly beneficial to researchers and industry readers for three key reasons:
Elimination of Anchor Bias: If the same AI always leads the conversation, subsequent engines can fall into a pattern of confirming existing biases rather than conducting baseline analysis.
True Blind Interrogation: Reversing the chain forces each tool to dissect the source document text completely independent of the other’s phrasing or framing.
Cross-Model Synthesis: It exposes where different language models intersect on core data points—such as the continuous drop in year-over-year HUD-Code production (down 7.2% YTD in 2026)—proving that the underlying facts remain constant regardless of the processing order.
Conclusion
The contrast between the investigative output of MHProNews and the public posture of MHI highlights an institutional paradox. Despite MHI’s superior funding, its preference for thin data and public opacity suggests its primary function is not industry expansion, but rather the defense of corporate consolidation.
By contrast, MHProNews has successfully pioneered an open, self-correcting journalism model in the affordable housing space. By utilizing an academic-style validation loop across multiple independent AIs, it ensures its multi-layered body of research remains anchored in verifiable facts that special-interest narratives cannot debunk.
