U.S. Census Bureau
 Housing Affordabilty




Housing Affordability 1995


Table 3-1.  Affordability Status of Families and Unrelated Individuals for a Modestly Priced Home, by Current Tenure, Type of Family,
            and Type of Financing:  United States and Regions, 1995

            (Numbers in 000's.  Data may not add to total due to rounding.)
------------------------------------------------------------------------------------------------------------------------------------------
                                      |                                |                                |                                |
                                      |          Total                 |     Current owners             |     Current renters            |
                                      |--------------------------------|--------------------------------|--------------------------------|
                                      |         |Cannot afford modestly|         |Cannot afford modestly|         |Cannot afford modestly|
                                      |         |priced home in area   |         |priced home in area   |         |priced home in area   |
                                      |         |----------------------|         |----------------------|         |----------------------|
 Type of family/unrelated individual  |  Total  |  Number  |  Percent  |  Total  |  Number  |  Percent  |  Total  |  Number  |  Percent  |
--------------------------------------|---------|----------|-----------|---------|----------|-----------|---------|----------|-----------|
UNITED STATES                         |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
Using Conventional, Fixed-Rate,       |         |          |           |         |          |           |         |          |           |
    30-Year Financing                 |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
      Total...........................| 110,806 |   57,310 |      51.7 |  68,837 |   19,640 |      28.5 |  41,969 |   37,670 |      89.8 |
Families..............................|  72,895 |   32,395 |      44.4 |  51,470 |   13,092 |      25.4 |  21,424 |   19,304 |      90.1 |
  Married-couple families.............|  54,753 |   18,739 |      34.2 |  42,774 |    8,572 |      20.0 |  11,979 |   10,167 |      84.9 |
    With children under 18 years......|  25,745 |   11,293 |      43.9 |  18,704 |    5,026 |      26.9 |   7,041 |    6,267 |      89.0 |
    With no children under 18 years...|  29,008 |    7,445 |      25.7 |  24,071 |    3,546 |      14.7 |   4,937 |    3,900 |      79.0 |
  Male householder, no wife present...|   3,207 |    2,054 |      64.1 |   1,833 |      755 |      41.2 |   1,374 |    1,299 |      94.6 |
    With children under 18 years......|   1,299 |      892 |      68.7 |     750 |      391 |      52.2 |     549 |      501 |      91.2 |
    With no children under 18 years...|   1,908 |    1,162 |      60.9 |   1,083 |      363 |      33.5 |     825 |      799 |      96.8 |
  Female householder, no husb. present|  14,935 |   11,603 |      77.7 |   6,863 |    3,765 |      54.9 |   8,072 |    7,838 |      97.1 |
    With children under 18 years......|  10,332 |    9,075 |      87.8 |   3,856 |    2,743 |      71.1 |   6,476 |    6,331 |      97.8 |
    With no children under 18 years...|   4,603 |    2,529 |      54.9 |   3,007 |    1,022 |      34.0 |   1,596 |    1,507 |      94.4 |
Unrelated individuals.................|  37,912 |   24,914 |      65.7 |  17,366 |    6,548 |      37.7 |  20,545 |   18,365 |      89.4 |
  Male................................|  18,282 |   12,628 |      69.1 |   7,560 |    3,014 |      39.9 |  10,722 |    9,614 |      89.7 |
  Female..............................|  19,629 |   12,285 |      62.6 |   9,806 |    3,534 |      36.0 |   9,823 |    8,751 |      89.1 |
                                      |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
Using FHA, Fixed-Rate, 30-Year        |         |          |           |         |          |           |         |          |           |
    Financing                         |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
      Total...........................| 110,806 |   55,148 |      49.8 |  68,837 |   18,229 |      26.5 |  41,969 |   36,919 |      88.0 |
Families..............................|  72,895 |   30,703 |      42.1 |  51,470 |   11,833 |      23.0 |  21,424 |   18,870 |      88.1 |
  Married-couple families.............|  54,753 |   17,190 |      31.4 |  42,774 |    7,387 |      17.3 |  11,979 |    9,803 |      81.8 |
    With children under 18 years......|  25,745 |   10,280 |      39.9 |  18,704 |    4,210 |      22.5 |   7,041 |    6,070 |      86.2 |
    With no children under 18 years...|  29,008 |    6,910 |      23.8 |  24,071 |    3,177 |      13.2 |   4,937 |    3,733 |      75.6 |
  Male householder, no wife present...|   3,207 |    2,015 |      62.8 |   1,833 |      743 |      40.5 |   1,374 |    1,272 |      92.6 |
    With children under 18 years......|   1,299 |      875 |      67.4 |     750 |      391 |      52.2 |     549 |      484 |      88.2 |
    With no children under 18 years...|   1,908 |    1,140 |      59.7 |   1,083 |      351 |      32.4 |     825 |      788 |      95.6 |
  Female householder, no husb. present|  14,935 |   11,499 |      77.0 |   6,863 |    3,703 |      54.0 |   8,072 |    7,795 |      96.6 |
    With children under 18 years......|  10,332 |    9,010 |      87.2 |   3,856 |    2,701 |      70.0 |   6,476 |    6,310 |      97.4 |
    With no children under 18 years...|   4,603 |    2,488 |      54.1 |   3,007 |    1,003 |      33.3 |   1,596 |    1,486 |      93.1 |
Unrelated individuals.................|  37,912 |   24,445 |      64.5 |  17,366 |    6,396 |      36.8 |  20,545 |   18,049 |      87.8 |
  Male................................|  18,282 |   12,366 |      67.6 |   7,560 |    2,910 |      38.5 |  10,722 |    9,456 |      88.2 |
  Female..............................|  19,629 |   12,078 |      61.5 |   9,806 |    3,486 |      35.5 |   9,823 |    8,593 |      87.5 |
                                      |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
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Table 3-1.  Affordability Status of Families and Unrelated Individuals for a Modestly Priced Home, by Current Tenure, Type of Family,
            and Type of Financing:  United States and Regions, 1995 - Continued

            (Numbers in 000's.  Data may not add to total due to rounding.)
------------------------------------------------------------------------------------------------------------------------------------------
                                      |                                |                                |                                |
                                      |          Total                 |     Current owners             |     Current renters            |
                                      |--------------------------------|--------------------------------|--------------------------------|
                                      |         |Cannot afford modestly|         |Cannot afford modestly|         |Cannot afford modestly|
                                      |         |priced home in area   |         |priced home in area   |         |priced home in area   |
                                      |         |----------------------|         |----------------------|         |----------------------|
 Type of family/unrelated individual  |  Total  |  Number  |  Percent  |  Total  |  Number  |  Percent  |  Total  |  Number  |  Percent  |
--------------------------------------|---------|----------|-----------|---------|----------|-----------|---------|----------|-----------|
NORTHEAST                             |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
Using Conventional, Fixed-Rate,       |         |          |           |         |          |           |         |          |           |
    30-Year Financing                 |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
      Total...........................|  22,174 |   11,138 |      50.2 |  13,317 |    3,170 |      23.8 |   8,858 |    7,968 |      90.0 |
Families..............................|  14,520 |    6,023 |      41.5 |  10,058 |    2,002 |      19.9 |   4,461 |    4,021 |      90.1 |
  Married-couple families.............|  10,700 |    3,287 |      30.7 |   8,331 |    1,286 |      15.4 |   2,369 |    2,002 |      84.5 |
    With children under 18 years......|   4,865 |    1,881 |      38.7 |   3,550 |      719 |      20.3 |   1,315 |    1,162 |      88.4 |
    With no children under 18 years...|   5,835 |    1,406 |      24.1 |   4,781 |      566 |      11.8 |   1,054 |      840 |      79.7 |
  Male householder, no wife present...|     704 |      399 |      56.7 |     415 |      133 |      32.0 |     289 |      266 |      92.2 |
    With children under 18 years......|     268 |      176 |      65.5 |     143 |       67 |      47.1 |     125 |      108 |      86.7 |
    With no children under 18 years...|     436 |      224 |      51.3 |     272 |       65 |      24.1 |     164 |      158 |      96.4 |
  Female householder, no husb. present|   3,116 |    2,336 |      75.0 |   1,312 |      583 |      44.5 |   1,804 |    1,753 |      97.2 |
    With children under 18 years......|   2,033 |    1,756 |      86.4 |     656 |      400 |      61.0 |   1,377 |    1,356 |      98.5 |
    With no children under 18 years...|   1,083 |      581 |      53.6 |     656 |      183 |      27.9 |     427 |      398 |      93.1 |
Unrelated individuals.................|   7,655 |    5,115 |      66.8 |   3,258 |    1,169 |      35.9 |   4,396 |    3,947 |      89.8 |
  Male................................|   3,695 |    2,496 |      67.5 |   1,442 |      474 |      32.9 |   2,253 |    2,022 |      89.8 |
  Female..............................|   3,960 |    2,620 |      66.2 |   1,816 |      695 |      38.3 |   2,144 |    1,925 |      89.8 |
                                      |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
Using FHA, Fixed-Rate, 30-Year        |         |          |           |         |          |           |         |          |           |
    Financing                         |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
      Total...........................|  22,174 |   10,920 |      49.2 |  13,317 |    3,077 |      23.1 |   8,858 |    7,843 |      88.5 |
Families..............................|  14,520 |    5,884 |      40.5 |  10,058 |    1,913 |      19.0 |   4,461 |    3,971 |      89.0 |
  Married-couple families.............|  10,700 |    3,162 |      29.6 |   8,331 |    1,197 |      14.4 |   2,369 |    1,965 |      83.0 |
    With children under 18 years......|   4,865 |    1,813 |      37.3 |   3,550 |      669 |      18.8 |   1,315 |    1,144 |      87.0 |
    With no children under 18 years...|   5,835 |    1,350 |      23.1 |   4,781 |      528 |      11.0 |   1,054 |      821 |      77.9 |
  Male householder, no wife present...|     704 |      392 |      55.7 |     415 |      133 |      32.0 |     289 |      260 |      89.9 |
    With children under 18 years......|     268 |      176 |      65.5 |     143 |       67 |      47.1 |     125 |      108 |      86.7 |
    With no children under 18 years...|     436 |      217 |      49.7 |     272 |       65 |      24.1 |     164 |      151 |      92.3 |
  Female householder, no husb. present|   3,116 |    2,330 |      74.8 |   1,312 |      583 |      44.4 |   1,804 |    1,746 |      96.8 |
    With children under 18 years......|   2,033 |    1,761 |      86.6 |     656 |      405 |      61.7 |   1,377 |    1,356 |      98.5 |
    With no children under 18 years...|   1,083 |      569 |      52.5 |     656 |      178 |      27.1 |     427 |      391 |      91.5 |
Unrelated individuals.................|   7,655 |    5,036 |      65.8 |   3,258 |    1,164 |      35.7 |   4,396 |    3,872 |      88.1 |
  Male................................|   3,695 |    2,463 |      66.7 |   1,442 |      470 |      32.6 |   2,253 |    1,994 |      88.5 |
  Female..............................|   3,960 |    2,573 |      65.0 |   1,816 |      694 |      38.2 |   2,144 |    1,879 |      87.6 |
                                      |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
------------------------------------------------------------------------------------------------------------------------------------------



Table 3-1.  Affordability Status of Families and Unrelated Individuals for a Modestly Priced Home, by Current Tenure, Type of Family,
            and Type of Financing:  United States and Regions, 1995 - Continued

            (Numbers in 000's.  Data may not add to total due to rounding.)
------------------------------------------------------------------------------------------------------------------------------------------
                                      |                                |                                |                                |
                                      |          Total                 |     Current owners             |     Current renters            |
                                      |--------------------------------|--------------------------------|--------------------------------|
                                      |         |Cannot afford modestly|         |Cannot afford modestly|         |Cannot afford modestly|
                                      |         |priced home in area   |         |priced home in area   |         |priced home in area   |
                                      |         |----------------------|         |----------------------|         |----------------------|
 Type of family/unrelated individual  |  Total  |  Number  |  Percent  |  Total  |  Number  |  Percent  |  Total  |  Number  |  Percent  |
--------------------------------------|---------|----------|-----------|---------|----------|-----------|---------|----------|-----------|
MIDWEST                               |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
Using Conventional, Fixed-Rate,       |         |          |           |         |          |           |         |          |           |
    30-Year Financing                 |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
      Total...........................|  28,539 |   12,966 |      45.4 |  18,990 |    4,751 |      25.0 |   9,549 |    8,215 |      86.0 |
Families..............................|  18,557 |    6,896 |      37.2 |  14,099 |    3,089 |      21.9 |   4,458 |    3,807 |      85.4 |
  Married-couple families.............|  14,338 |    3,827 |      26.7 |  11,979 |    2,024 |      16.9 |   2,359 |    1,803 |      76.5 |
    With children under 18 years......|   6,830 |    2,459 |      36.0 |   5,403 |    1,285 |      23.8 |   1,427 |    1,174 |      82.3 |
    With no children under 18 years...|   7,508 |    1,368 |      18.2 |   6,576 |      739 |      11.2 |     932 |      629 |      67.5 |
  Male householder, no wife present...|     603 |      373 |      61.9 |     398 |      193 |      48.5 |     205 |      180 |      87.9 |
    With children under 18 years......|     264 |      205 |      77.7 |     174 |      128 |      73.5 |      90 |       77 |      85.8 |
    With no children under 18 years...|     338 |      168 |      49.5 |     224 |       65 |      29.0 |     115 |      103 |      89.5 |
  Female householder, no husb. present|   3,616 |    2,696 |      74.5 |   1,722 |      873 |      50.7 |   1,894 |    1,824 |      96.3 |
    With children under 18 years......|   2,491 |    2,146 |      86.2 |     968 |      681 |      70.4 |   1,523 |    1,465 |      96.2 |
    With no children under 18 years...|   1,125 |      550 |      48.9 |     754 |      191 |      25.4 |     371 |      358 |      96.6 |
Unrelated individuals.................|   9,981 |    6,070 |      60.8 |   4,890 |    1,662 |      34.0 |   5,091 |    4,408 |      86.6 |
  Male................................|   4,840 |    3,039 |      62.8 |   2,251 |      808 |      35.9 |   2,589 |    2,232 |      86.2 |
  Female..............................|   5,141 |    3,030 |      58.9 |   2,640 |      854 |      32.4 |   2,502 |    2,176 |      87.0 |
                                      |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
Using FHA, Fixed-Rate, 30-Year        |         |          |           |         |          |           |         |          |           |
    Financing                         |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
      Total...........................|  28,539 |   12,369 |      43.3 |  18,990 |    4,333 |      22.8 |   9,549 |    8,036 |      84.2 |
Families..............................|  18,557 |    6,399 |      34.5 |  14,099 |    2,708 |      19.2 |   4,458 |    3,691 |      82.8 |
  Married-couple families.............|  14,338 |    3,370 |      23.5 |  11,979 |    1,668 |      13.9 |   2,359 |    1,703 |      72.2 |
    With children under 18 years......|   6,830 |    2,142 |      31.4 |   5,403 |    1,022 |      18.9 |   1,427 |    1,120 |      78.5 |
    With no children under 18 years...|   7,508 |    1,229 |      16.4 |   6,576 |      646 |       9.8 |     932 |      583 |      62.6 |
  Male householder, no wife present...|     603 |      360 |      59.7 |     398 |      188 |      47.3 |     205 |      171 |      83.7 |
    With children under 18 years......|     264 |      201 |      75.8 |     174 |      128 |      73.5 |      90 |       73 |      80.3 |
    With no children under 18 years...|     338 |      159 |      47.0 |     224 |       60 |      26.9 |     115 |       99 |      86.3 |
  Female householder, no husb. present|   3,616 |    2,669 |      73.8 |   1,722 |      852 |      49.5 |   1,894 |    1,817 |      95.9 |
    With children under 18 years......|   2,491 |    2,130 |      85.5 |     968 |      666 |      68.8 |   1,523 |    1,464 |      96.1 |
    With no children under 18 years...|   1,125 |      539 |      47.9 |     754 |      186 |      24.7 |     371 |      353 |      95.0 |
Unrelated individuals.................|   9,981 |    5,970 |      59.8 |   4,890 |    1,625 |      33.2 |   5,091 |    4,344 |      85.3 |
  Male................................|   4,840 |    2,956 |      61.1 |   2,251 |      762 |      33.9 |   2,589 |    2,193 |      84.7 |
  Female..............................|   5,141 |    3,014 |      58.6 |   2,640 |      863 |      32.7 |   2,502 |    2,151 |      86.0 |
                                      |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
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Table 3-1.  Affordability Status of Families and Unrelated Individuals for a Modestly Priced Home, by Current Tenure, Type of Family,
            and Type of Financing:  United States and Regions, 1995 - Continued

            (Numbers in 000's.  Data may not add to total due to rounding.)
------------------------------------------------------------------------------------------------------------------------------------------
                                      |                                |                                |                                |
                                      |          Total                 |     Current owners             |     Current renters            |
                                      |--------------------------------|--------------------------------|--------------------------------|
                                      |         |Cannot afford modestly|         |Cannot afford modestly|         |Cannot afford modestly|
                                      |         |priced home in area   |         |priced home in area   |         |priced home in area   |
                                      |         |----------------------|         |----------------------|         |----------------------|
 Type of family/unrelated individual  |  Total  |  Number  |  Percent  |  Total  |  Number  |  Percent  |  Total  |  Number  |  Percent  |
--------------------------------------|---------|----------|-----------|---------|----------|-----------|---------|----------|-----------|
SOUTH                                 |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
Using Conventional, Fixed-Rate,       |         |          |           |         |          |           |         |          |           |
    30-Year Financing                 |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
      Total...........................|  36,787 |   19,099 |      51.9 |  23,774 |    7,379 |      31.0 |  13,012 |   11,720 |      90.1 |
Families..............................|  24,927 |   11,578 |      46.4 |  17,901 |    5,214 |      29.1 |   7,026 |    6,365 |      90.6 |
  Married-couple families.............|  18,513 |    6,736 |      36.4 |  14,618 |    3,395 |      23.2 |   3,894 |    3,341 |      85.8 |
    With children under 18 years......|   8,436 |    3,800 |      45.0 |   6,354 |    1,953 |      30.7 |   2,082 |    1,847 |      88.7 |
    With no children under 18 years...|  10,077 |    2,936 |      29.1 |   8,264 |    1,441 |      17.4 |   1,813 |    1,495 |      82.5 |
  Male householder, no wife present...|   1,054 |      663 |      62.9 |     620 |      250 |      40.3 |     434 |      413 |      95.1 |
    With children under 18 years......|     405 |      240 |      59.1 |     282 |      130 |      45.9 |     123 |      110 |      89.4 |
    With no children under 18 years...|     649 |      423 |      65.2 |     338 |      120 |      35.6 |     311 |      303 |      97.3 |
  Female householder, no husb. present|   5,360 |    4,180 |      78.0 |   2,663 |    1,569 |      58.9 |   2,698 |    2,610 |      96.8 |
    With children under 18 years......|   3,687 |    3,208 |      87.0 |   1,565 |    1,142 |      73.0 |   2,121 |    2,066 |      97.4 |
    With no children under 18 years...|   1,674 |      971 |      58.0 |   1,097 |      427 |      38.9 |     576 |      544 |      94.4 |
Unrelated individuals.................|  11,860 |    7,520 |      63.4 |   5,873 |    2,165 |      36.9 |   5,986 |    5,355 |      89.5 |
  Male................................|   5,516 |    3,772 |      68.4 |   2,376 |      953 |      40.1 |   3,139 |    2,819 |      89.8 |
  Female..............................|   6,344 |    3,748 |      59.1 |   3,497 |    1,212 |      34.7 |   2,847 |    2,536 |      89.1 |
                                      |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
Using FHA, Fixed-Rate, 30-Year        |         |          |           |         |          |           |         |          |           |
    Financing                         |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
      Total...........................|  36,787 |   18,051 |      49.1 |  23,774 |    6,665 |      28.0 |  13,012 |   11,385 |      87.5 |
Families..............................|  24,927 |   10,741 |      43.1 |  17,901 |    4,588 |      25.6 |   7,026 |    6,153 |      87.6 |
  Married-couple families.............|  18,513 |    5,979 |      32.3 |  14,618 |    2,826 |      19.3 |   3,894 |    3,154 |      81.0 |
    With children under 18 years......|   8,436 |    3,287 |      39.0 |   6,354 |    1,554 |      24.5 |   2,082 |    1,733 |      83.3 |
    With no children under 18 years...|  10,077 |    2,692 |      26.7 |   8,264 |    1,272 |      15.4 |   1,813 |    1,421 |      78.4 |
  Male householder, no wife present...|   1,054 |      647 |      61.4 |     620 |      234 |      37.8 |     434 |      413 |      95.1 |
    With children under 18 years......|     405 |      240 |      59.1 |     282 |      130 |      45.9 |     123 |      110 |      89.4 |
    With no children under 18 years...|     649 |      408 |      62.8 |     338 |      105 |      31.0 |     311 |      303 |      97.3 |
  Female householder, no husb. present|   5,360 |    4,114 |      76.8 |   2,663 |    1,528 |      57.4 |   2,698 |    2,587 |      95.9 |
    With children under 18 years......|   3,687 |    3,156 |      85.6 |   1,565 |    1,110 |      70.9 |   2,121 |    2,046 |      96.4 |
    With no children under 18 years...|   1,674 |      959 |      57.3 |   1,097 |      418 |      38.1 |     576 |      541 |      93.9 |
Unrelated individuals.................|  11,860 |    7,309 |      61.6 |   5,873 |    2,077 |      35.4 |   5,986 |    5,232 |      87.4 |
  Male................................|   5,516 |    3,666 |      66.5 |   2,376 |      903 |      38.0 |   3,139 |    2,763 |      88.0 |
  Female..............................|   6,344 |    3,643 |      57.4 |   3,497 |    1,175 |      33.6 |   2,847 |    2,469 |      86.7 |
                                      |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
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Table 3-1.  Affordability Status of Families and Unrelated Individuals for a Modestly Priced Home, by Current Tenure, Type of Family,
            and Type of Financing:  United States and Regions, 1995 - Continued

            (Numbers in 000's.  Data may not add to total due to rounding.)
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                                      |                                |                                |                                |
                                      |          Total                 |     Current owners             |     Current renters            |
                                      |--------------------------------|--------------------------------|--------------------------------|
                                      |         |Cannot afford modestly|         |Cannot afford modestly|         |Cannot afford modestly|
                                      |         |priced home in area   |         |priced home in area   |         |priced home in area   |
                                      |         |----------------------|         |----------------------|         |----------------------|
 Type of family/unrelated individual  |  Total  |  Number  |  Percent  |  Total  |  Number  |  Percent  |  Total  |  Number  |  Percent  |
--------------------------------------|---------|----------|-----------|---------|----------|-----------|---------|----------|-----------|
WEST                                  |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
Using Conventional, Fixed-Rate,       |         |          |           |         |          |           |         |          |           |
    30-Year Financing                 |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
      Total...........................|  23,307 |   14,106 |      60.5 |  12,756 |    4,340 |      34.0 |  10,551 |    9,766 |      92.6 |
Families..............................|  14,891 |    7,898 |      53.0 |   9,412 |    2,787 |      29.6 |   5,479 |    5,111 |      93.3 |
  Married-couple families.............|  11,203 |    4,888 |      43.6 |   7,846 |    1,868 |      23.8 |   3,357 |    3,021 |      90.0 |
    With children under 18 years......|   5,615 |    3,153 |      56.2 |   3,397 |    1,069 |      31.5 |   2,218 |    2,084 |      94.0 |
    With no children under 18 years...|   5,588 |    1,735 |      31.1 |   4,449 |      799 |      18.0 |   1,139 |      936 |      82.2 |
  Male householder, no wife present...|     846 |      619 |      73.2 |     400 |      179 |      44.7 |     446 |      440 |      98.7 |
    With children under 18 years......|     361 |      271 |      75.1 |     150 |       66 |      44.0 |     211 |      205 |      97.3 |
    With no children under 18 years...|     485 |      348 |      71.7 |     250 |      113 |      45.1 |     235 |      235 |     100.0 |
  Female householder, no husb. present|   2,842 |    2,391 |      84.1 |   1,167 |      740 |      63.5 |   1,676 |    1,651 |      98.5 |
    With children under 18 years......|   2,121 |    1,964 |      92.6 |     667 |      520 |      78.0 |   1,455 |    1,444 |      99.3 |
    With no children under 18 years...|     721 |      427 |      59.2 |     500 |      220 |      44.1 |     221 |      206 |      93.3 |
Unrelated individuals.................|   8,415 |    6,208 |      73.8 |   3,344 |    1,553 |      46.4 |   5,072 |    4,655 |      91.8 |
  Male................................|   4,232 |    3,321 |      78.5 |   1,491 |      780 |      52.3 |   2,741 |    2,541 |      92.7 |
  Female..............................|   4,184 |    2,887 |      69.0 |   1,853 |      773 |      41.7 |   2,331 |    2,114 |      90.7 |
                                      |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
Using FHA, Fixed-Rate, 30-Year        |         |          |           |         |          |           |         |          |           |
    Financing                         |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
      Total...........................|  23,307 |   13,808 |      59.2 |  12,756 |    4,153 |      32.6 |  10,551 |    9,655 |      91.5 |
Families..............................|  14,891 |    7,679 |      51.6 |   9,412 |    2,624 |      27.9 |   5,479 |    5,055 |      92.3 |
  Married-couple families.............|  11,203 |    4,678 |      41.8 |   7,846 |    1,697 |      21.6 |   3,357 |    2,981 |      88.8 |
    With children under 18 years......|   5,615 |    3,039 |      54.1 |   3,397 |      965 |      28.4 |   2,218 |    2,074 |      93.5 |
    With no children under 18 years...|   5,588 |    1,639 |      29.3 |   4,449 |      731 |      16.4 |   1,139 |      908 |      79.7 |
  Male householder, no wife present...|     846 |      615 |      72.7 |     400 |      187 |      46.8 |     446 |      428 |      96.0 |
    With children under 18 years......|     361 |      259 |      71.8 |     150 |       66 |      44.0 |     211 |      193 |      91.6 |
    With no children under 18 years...|     485 |      356 |      73.4 |     250 |      121 |      48.4 |     235 |      235 |     100.0 |
  Female householder, no husb. present|   2,842 |    2,386 |      83.9 |   1,167 |      740 |      63.5 |   1,676 |    1,646 |      98.2 |
    With children under 18 years......|   2,121 |    1,964 |      92.6 |     667 |      520 |      78.0 |   1,455 |    1,444 |      99.3 |
    With no children under 18 years...|     721 |      422 |      58.5 |     500 |      220 |      44.1 |     221 |      201 |      91.1 |
Unrelated individuals.................|   8,415 |    6,129 |      72.8 |   3,344 |    1,529 |      45.7 |   5,072 |    4,600 |      90.7 |
  Male................................|   4,232 |    3,281 |      77.5 |   1,491 |      775 |      52.0 |   2,741 |    2,506 |      91.4 |
  Female..............................|   4,184 |    2,848 |      68.1 |   1,853 |      754 |      40.7 |   2,331 |    2,094 |      89.8 |
                                      |         |          |           |         |          |           |         |          |           |
                                      |         |          |           |         |          |           |         |          |           |
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Contact the Demographic Call Center Staff at 301-763-2422 or 1-866-758-1060 (toll free) or visit ask.census.gov for further information on Housing Affordability Data.

Source: U.S. Census Bureau, Housing and Household Economic Statistics Division
Last Revised: January 28, 2005