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More Americans found housing unaffordable last year, even though home prices across the U.S. have taken a major fall. More than 40 million spent 30% or more of their household income on housing costs, 600,000 more than in 2007, according to 2008 Census data released Monday. That includes homeowners with and without mortgages, as well as renters. The number of renters increased, while the number of homeowners declined. A bright spot: The share of homeowners with mortgages spending nearly a third of their income on housing held stable in 2008, after steady increases since 2002. Nearly two in five homeowners with mortgages and half of renters paid 30% or more of their before-tax income on housing costs, which is the limit the government sets for determining that housing is unaffordable, according to an analysis of Census data done for USA TODAY by the Joint Center for Housing Studies at Harvard University. Housing costs for homeowners include mortgage payments, taxes, insurance and...