"People think we will get affordable housing if we just build more houses," says Murphy.
"But actually the houses we are building are neither affordable nor targeted to meet the needs of those middle to low income earners, who make up a significant part of our economy."
Researcher Dr Kay Saville-Smith says: "People who provide key services to a community are often not high income yet are vital to the local community. Inclusionary requirements and incentives can ensure that communities have a balanced building stock."
The report says if we are to produce enough affordable housing to meet the needs of low and middle income earners, such as service workers, teachers and nurses, then positive planning and investment will be required.