The Pennsylvania Housing Finance Agency (PHFA) and the 17 multi-family Passive House projects they’ve funded are transforming the affordable housing industry toward a Net-Zero-Energy standard by 2030. This initiative has proved a catalyst for radical and significant market penetration of Passive House/Net-Zero-Capable housing, inspiring 12 more state housing finance agencies to similarly incentivize Passive House through their Low-Income Housing Tax Credit programs. This session will share cost data, effective strategies, and lessons learned, through completed multifamily affordable and market rate Passive House projects from around the country, demonstrating the radical, affordable, and scalable way the affordable housing industry is combating climate change, the New Gravity of our time.