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American Housing Survey for the United States: 1999

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Table 7-15. Mortgage Characteristics--Owner Occupied Units With Elderly Householder
[Numbers in thousands. Consistent with the 1990 Census. ... means not applicable or sample too small. - means zero or rounds to zero.]

				Housing unit characteristics
		Tenure				Physical problems		Household characteristics
	Total occupied units	Owner	Renter	New con- struction 4 years	Mobile homes	Severe	Moderate	Black	Hispanic	Moved in past year	Below poverty level	Total occupied units	In MSAs Central cities	Suburbs	Outside MSAs	Urban Total	Outside MSAs	Rural Total	Suburbs	Outside MSAs	Regions Northeast	Midwest	South	West
Total	17196	17196	0	484	1255	281	527	1354	667	436	2811	17196	4064	8123	5009	11335	1729	5861	2554	3280	3344	4238	6399	3215
Mortgages Currently on Property None, owned free and clear	13105	13105	0	274	1038	218	434	816	436	265	2307	13105	2952	6031	4122	8480	1453	4625	1938	2669	2631	3409	4864	2201
Regular and home equity mortgages@6	368	368	0	19	6	4	9	56	16	3	30	368	117	176	75	280	31	89	45	44	73	88	114	93
Regular mortgage only	2349	2349	0	175	163	44	55	338	170	138	319	2349	658	1167	524	1601	154	748	368	371	313	451	913	672
Home equity mortgage only	644	644	0	5	15	0	19	55	11	0	45	644	136	400	109	467	40	177	108	69	172	171	170	131
With regular mortgage, home equity not reported	425	425	0	4	21	9	3	47	14	16	65	425	112	208	105	282	22	142	60	83	85	59	208	73
No regular mortgage, home equity not reported	305	305	0	8	13	5	8	41	21	15	45	305	89	142	74	224	29	81	35	45	71	59	130	44
Number of Regular and Home Equity Mortgages@6 1 mortgage	2935	2935	0	180	177	42	72	392	178	138	357	2935	779	1533	623	2031	193	904	465	430	481	608	1062	784
2 mortgages	379	379	0	17	6	6	7	55	17	3	32	379	123	182	75	284	31	96	52	44	72	96	110	101
3 mortgages or more	20	20	0	0	0	0	0	2	0	0	0	20	6	12	2	14	0	7	4	2	0	4	9	8
Number not reported	756	756	0	14	33	14	15	90	37	30	115	756	205	365	186	526	51	230	95	135	160	120	354	122
Type of Home Equity Mortgage Units with 1 or more home equity mortgages	1013	1013	0	24	21	4	28	111	27	3	74	1013	253	575	184	747	71	266	153	113	245	259	284	224
Lump sum only	353	353	0	6	15	3	12	64	11	0	39	353	93	179	80	256	35	96	51	45	88	83	102	79
Credit line only	621	621	0	15	6	0	12	43	14	3	27	621	151	376	94	461	36	160	102	58	152	166	164	138
With outstanding balance	401	401	0	9	0	0	9	23	7	1	18	401	86	247	68	279	19	122	73	49	106	112	89	94
Both	7	7	0	0	0	0	0	0	0	0	2	7	0	4	2	4	0	2	0	2	0	4	0	2
Type not reported	32	32	0	2	0	1	4	5	2	0	5	32	9	16	7	25	0	7	0	7	4	6	18	5
OWNERS WITH ONE OR MORE REGULAR MORTGAGES Total	3142	3142	0	198	190	57	67	442	200	156	414	3142	887	1551	704	2163	207	979	473	497	470	598	1235	839
Type of Primary Mortgage FHA	277	277	0	21	9	4	15	79	35	9	46	277	96	123	58	193	16	84	41	42	29	47	137	64
VA	136	136	0	8	0	0	0	24	13	3	22	136	58	62	16	106	7	30	19	9	5	16	61	54
Farmers Home Administration	44	44	0	5	5	3	3	16	0	2	14	44	8	10	26	15	4	29	7	22	5	7	25	6
Other types	2116	2116	0	155	150	41	39	244	134	119	240	2116	563	1089	465	1463	145	653	327	320	331	426	748	612
Don't know	13	13	0	0	0	0	2	0	1	0	2	13	3	11	0	13	0	0	0	0	0	0	7	6
Not reported	556	556	0	9	25	9	7	78	16	23	89	556	160	257	139	372	35	183	79	105	100	102	257	97
Lower Cost State and Local Mortgages State or local program used	223	223	0	5	4	7	18	69	17	3	45	223	73	79	71	140	20	83	29	51	23	49	99	52
Not used	2383	2383	0	184	163	41	42	298	166	133	290	2383	666	1217	500	1670	153	713	359	347	348	456	893	687
Not reported	536	536	0	9	23	9	7	75	17	20	80	536	148	254	134	353	35	183	84	99	99	93	244	99
Mortgage Origination Placed new mortgage(s)	3084	3084	0	198	190	57	65	433	200	156	404	3084	875	1526	684	2125	199	960	465	485	468	591	1208	818
Primary obtained when property acquired	1990	1990	0	185	177	21	38	265	137	156	290	1990	543	992	455	1343	125	646	312	330	285	344	863	497
Obtained later	1095	1095	0	13	13	37	27	168	62	0	114	1095	332	534	229	782	74	313	153	155	182	246	345	322
Assumed	53	53	0	0	0	0	2	9	0	0	10	53	12	20	21	36	8	17	5	12	3	7	23	20
Wrap-around	5	5	0	0	0	0	0	0	0	0	0	5	0	5	0	2	0	2	2	0	0	0	5	0
Combination of the above	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Payment Plan of Primary Mortgage Fixed payment, self-amortizing	2147	2147	0	153	143	37	45	300	154	116	250	2147	628	1075	444	1518	152	629	328	292	308	404	798	637
Adjustable rate mortgage	174	174	0	9	3	7	4	7	14	5	9	174	47	94	34	103	2	71	40	31	24	36	54	59
Adjustable term mortgage	42	42	0	2	0	0	0	5	0	0	10	42	7	16	19	23	5	19	4	15	4	15	15	8
Graduated payment mortgage	21	21	0	8	6	0	4	2	8	2	2	21	2	12	7	14	0	7	0	7	2	9	4	5
Balloon	33	33	0	3	3	0	0	5	0	2	10	33	7	15	10	23	3	9	1	8	5	8	15	5
Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Combination of the above	20	20	0	2	0	0	0	0	0	0	5	20	4	11	4	7	0	14	9	4	5	0	16	0
Not reported	705	705	0	21	35	13	13	123	23	31	128	705	191	327	186	474	46	230	90	140	122	125	333	124
Payment Plan of Secondary Mortgage Units with two or more mortgages	63	63	0	0	0	2	2	4	4	0	7	63	16	38	9	42	0	21	11	9	1	11	27	24
Fixed payment, self-amortizing	44	44	0	0	0	2	2	4	3	0	2	44	11	25	7	30	0	14	7	7	0	9	18	17
Adjustable rate mortgage	2	2	0	0	0	0	0	0	0	0	2	2	0	2	0	0	0	2	2	0	0	0	2	0
Adjustable term mortgage	11	11	0	0	0	0	0	0	0	0	0	11	5	4	2	7	0	4	2	2	0	2	4	5
Graduated payment mortgage	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Balloon	1	1	0	0	0	0	0	0	0	0	0	1	0	1	0	1	0	0	0	0	1	0	0	0
Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Combination of the above	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Not reported	4	4	0	0	0	0	0	0	1	0	2	4	0	4	0	4	0	0	0	0	0	0	2	2
Lenders of Primary and Secondary Mortgages Only borrowed from firm(s)	2505	2505	0	189	160	47	53	357	179	131	310	2505	707	1248	550	1725	171	781	391	380	363	490	936	716
Only borrowed from seller	20	20	0	0	2	0	3	0	0	0	3	20	6	10	5	18	2	2	0	2	0	0	12	8
Only borrowed from other individual(s)	35	35	0	0	2	1	2	3	0	2	7	35	8	19	8	25	0	10	2	8	7	2	19	7
Borrowed from a firm and seller	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Borrowed from a firm and other individual	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Borrowed from seller and other individual	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
One or both sources not reported	581	581	0	9	25	9	9	81	21	23	94	581	165	274	142	396	35	186	79	107	101	106	268	107
Items Included in Primary Mortgage Payment@1 Principal and interest only	1282	1282	0	108	117	23	34	158	80	62	179	1282	302	648	333	789	82	494	236	251	162	283	447	389
Property taxes	1191	1191	0	67	26	23	17	166	95	65	121	1191	393	595	203	917	76	274	145	127	202	200	472	317
Property insurance	1004	1004	0	74	48	22	24	178	91	66	119	1004	333	467	203	755	74	249	118	129	126	151	449	277
Other	38	38	0	1	0	2	0	12	3	2	1	38	21	12	5	36	5	2	2	0	4	6	12	16
Not reported	586	586	0	9	25	9	5	88	16	23	91	586	164	278	145	400	39	187	81	106	103	108	268	107
Year Primary Mortgage Originated 2000 to 2004	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
1995 to 1999	1170	1170	0	196	125	16	28	155	69	149	128	1170	270	617	283	769	92	401	204	191	142	209	472	347
1990 to 1994	570	570	0	2	24	11	8	50	33	0	81	570	145	294	131	398	38	172	78	94	97	99	226	147
1985 to 1989	372	372	0	0	22	15	8	28	21	0	50	372	106	155	111	238	36	135	60	75	70	77	116	109
1980 to 1984	211	211	0	0	16	1	2	40	26	3	33	211	73	105	33	161	18	51	33	16	31	22	101	57
1975 to 1979	298	298	0	0	1	6	5	62	21	2	45	298	114	141	42	225	5	73	35	38	40	64	124	70
1970 to 1974	234	234	0	0	2	3	8	52	15	2	35	234	85	107	43	157	2	77	37	40	31	54	95	55
1960 to 1969	274	274	0	0	0	5	8	51	15	0	41	274	89	124	61	203	16	71	26	45	52	69	99	53
1950 to 1959	13	13	0	0	0	0	0	3	0	0	0	13	4	9	0	13	0	0	0	0	8	3	2	0
1949 or earlier	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Median	1991	1991	0	1997	1996	1989	1992	1987	1990	1997	1990	1991	1989	1992	1992	1991	1994	1992	1993	1992	1990	1991	1992	1993
Term of Primary Mortgage at Origination or Assumption Less than 8 years	115	115	0	6	13	2	9	17	10	9	20	115	40	37	38	84	16	31	9	22	9	29	57	20
8 to 12 years	116	116	0	14	15	9	1	12	4	2	14	116	24	51	41	70	15	46	20	26	13	35	38	29
13 to 17 years	585	585	0	28	58	15	18	78	33	33	70	585	136	303	146	361	47	224	123	99	88	96	269	132
18 to 22 years	278	278	0	34	43	13	4	47	23	24	47	278	82	96	100	148	23	130	51	77	44	52	116	66
23 to 27 years	141	141	0	8	9	0	7	27	1	6	20	141	45	58	37	104	14	37	13	23	33	26	56	26
28 to 32 years	1561	1561	0	102	51	10	18	203	114	74	185	1561	467	842	252	1147	70	415	228	182	217	272	570	502
33 years or more	275	275	0	2	0	7	10	50	13	4	41	275	83	130	62	205	16	69	23	46	57	65	103	50
Variable	72	72	0	2	0	1	0	9	1	5	17	72	11	33	28	44	7	28	6	21	10	22	26	14
Median	29	29	0	28	19	19	24	29	29	28	29	29	29	29	25	29	23	28	28	26	29	29	29	29
Remaining Years Mortgaged Less than 8 years	1089	1089	0	15	54	31	35	202	71	11	176	1089	350	488	251	751	69	338	154	182	181	236	437	236
8 to 12	500	500	0	13	36	14	9	75	20	4	69	500	139	251	110	326	31	174	95	79	71	108	212	109
13 to 17	427	427	0	29	30	4	9	45	47	35	41	427	116	202	109	297	41	130	60	68	50	65	190	121
18 to 22	290	290	0	26	31	5	5	33	12	24	28	290	100	120	69	189	17	101	48	52	54	55	108	73
23 to 27	383	383	0	27	11	2	2	42	27	4	52	383	107	208	67	296	24	87	41	43	57	54	132	140
28 to 32	370	370	0	84	27	0	7	36	20	71	29	370	62	241	67	250	17	120	68	49	48	58	121	142
33 years or more	4	4	0	2	0	0	0	0	0	2	2	4	0	4	0	4	0	0	0	0	0	0	4	0
Variable	79	79	0	2	0	1	0	9	2	5	17	79	13	36	30	49	7	30	6	24	10	22	31	17
Median	12	12	0	26	14	7	8	9	14	24	10	12	11	13	12	13	13	12	12	11	11	10	12	16
Current Interest Rate Less than 6 percent	89	89	0	0	4	5	2	17	2	7	11	89	27	31	31	56	7	33	9	24	21	11	41	16
6 to 7.9	1764	1764	0	114	61	34	22	203	95	110	213	1764	432	950	381	1206	117	558	290	263	274	350	624	516
8 to 9.9	999	999	0	64	71	11	30	157	66	31	143	999	319	446	233	704	60	294	119	173	141	174	449	234
10 to 11.9	187	187	0	16	32	7	12	38	29	6	25	187	74	78	35	132	11	54	28	24	24	35	76	52
12 to 13.9	62	62	0	4	17	0	0	10	5	3	22	62	22	22	18	34	5	27	15	12	4	20	26	12
14 to 15.9	31	31	0	0	4	0	0	14	0	0	0	31	8	21	2	20	2	10	10	0	5	4	20	2
16 to 17.9	2	2	0	0	0	0	0	0	0	0	0	2	0	0	2	2	2	0	0	0	0	2	0	0
18 to 19.9	8	8	0	0	0	0	0	1	2	0	0	8	4	2	2	6	2	2	2	0	0	2	0	6
20 percent or more	1	1	0	0	0	0	0	1	0	0	0	1	1	0	0	1	0	0	0	0	1	0	0	0
Not reported	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Median	7.7	7.7	0.0	7.7	8.8	7.4	8.6	8.0	8.1	7.3	7.8	7.7	7.9	7.6	7.7	7.7	7.7	7.6	7.6	7.7	7.6	7.6	7.8	7.6
Total Outstanding Principal Amount Less than $10,000	784	784	0	9	45	17	25	173	52	16	136	784	253	342	188	547	50	237	96	138	126	182	337	139
$10,000 to $19,999	387	387	0	19	42	18	12	70	26	5	69	387	121	170	96	250	26	137	67	70	51	90	149	97
$20,000 to $29,999	281	281	0	8	20	0	5	37	22	7	31	281	81	127	73	186	27	95	49	46	61	53	114	54
$30,000 to $39,999	327	327	0	44	46	10	7	51	18	22	43	327	75	153	99	204	16	123	37	83	39	59	163	66
$40,000 to $49,999	283	283	0	22	21	3	3	22	18	21	23	283	68	142	73	208	26	76	29	46	33	65	110	75
$50,000 to $59,999	175	175	0	11	8	7	2	23	13	17	15	175	46	94	35	117	13	58	36	22	12	32	84	47
$60,000 to $69,999	158	158	0	14	3	0	2	12	10	7	24	158	62	71	25	102	10	56	41	15	31	22	67	37
$70,000 to $79,999	172	172	0	23	0	3	3	9	4	21	25	172	50	82	40	135	22	37	19	18	27	25	63	58
$80,000 to $99,999	193	193	0	12	4	0	1	21	16	13	17	193	40	126	27	139	9	54	36	18	34	33	61	65
$100,000 to $119,999	109	109	0	9	0	0	0	5	5	5	7	109	25	68	16	80	4	28	17	12	22	12	30	44
$120,000 to $149,999	122	122	0	11	0	0	2	12	10	8	15	122	33	74	15	86	5	36	21	11	16	9	34	62
$150,000 to $199,999	83	83	0	13	0	0	4	2	0	10	7	83	19	53	11	62	0	21	9	11	7	11	12	53
$200,000 to $249,999	29	29	0	2	0	0	0	3	3	2	0	29	7	22	0	21	0	8	8	0	5	2	2	21
$250,000 to $299,999	12	12	0	0	0	0	0	0	3	0	0	12	1	8	3	8	0	4	1	3	3	1	2	6
$300,000 or more	27	27	0	3	0	0	0	2	0	3	0	27	6	19	2	17	0	10	7	2	2	2	7	15
Not reported	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Median	33635	33635	0	48673	23903	16448	17274	16883	29686	53516	20357	33635	28592	38872	29236	34817	30508	31669	36638	28615	29584	24995	31094	48495
Current Total Loan as Percent of Value Less than 20 percent	1060	1060	0	11	16	24	27	199	74	9	144	1060	354	489	217	775	58	284	124	158	163	231	414	252
20 to 39	708	708	0	25	34	11	13	66	46	35	104	708	185	376	147	458	35	250	136	112	114	131	247	216
40 to 59	611	611	0	40	24	14	8	70	31	23	80	611	172	293	146	432	63	179	91	83	77	130	240	164
60 to 79	490	490	0	60	57	7	16	60	28	52	51	490	109	259	123	320	35	170	82	88	73	70	198	149
80 to 89	80	80	0	13	7	0	0	11	9	10	10	80	25	31	25	59	9	22	7	15	9	9	48	14
90 to 99	87	87	0	22	16	0	0	9	5	13	11	87	18	44	25	58	7	29	10	19	8	14	42	23
100 percent or more	106	106	0	27	35	2	4	26	7	15	14	106	25	59	22	61	0	45	23	22	26	13	46	21
Not reported	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Median	34.4	34.4	0.0	67.7	67.3	28.5	30.3	26.7	31.3	64.3	32.2	34.4	29.6	35.3	38.5	33.4	43.2	36.4	36.6	36.1	32.7	30.4	36.4	35.5

@6Regular includes all mortgages except reverse and home equity.
@6Regular includes all mortgages except reverse and home equity.
@1Figures may not add to total because more than one category may apply to a unit.

Go to American Housing Survey for the United States: 1999

Contact the American Housing Survey Branch by email or by phone at 301-763-3235 or 1-888-518-7365, or visit ask.census.gov for further information on American Housing Survey Data.

Source: U.S. Census Bureau, Housing and Household Economic Statistics Division

Last Revised: February 18, 2005

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