In this chapter, editors Martin Grander and Mark Stephens draw conclusions on the changes in housing and welfare regimes based on the empirical findings from the countries explored in the previous chapters. The chapter shows that both housing and welfare systems – regardless of their earlier constitution – have changed markedly in terms of income inequality and housing accessibility due to processes such as marketization and income polarization. Inequalities in both housing and welfare have in some countries been reinforced during the last decade by migration and everywhere by the COVID-19 pandemic. The current economic crisis continues to exacerbate such inequalities as inflation and increasing interest rates tend to place a disproportionate strain on low-income households. The chapter shows how the development of the national housing policy is driven by policies of fiscal consolidation, rather than welfare state development. This development calls for a more in-depth analysis of the interrelation between housing and the wider welfare state, which also includes the sphere of finance.