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Housing Affordabilty
Housing Affordability Main Reports Detailed Tables FAQ

Housing Affordability 1995

Table 3-5.   Reason Modestly Priced Home Cannot be Afforded for Families and Unrelated Individuals Below

             Affordability Level, by Current Tenure and Type of Financing:  United States, 1995



           (Numbers in 000's.  Data may not add to total due to rounding.)

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                                   |                                         Families                               |                     |

                                   |--------------------------------------------------------------------------------|                     |

                                   |                    |                   |                   |                   |                     |

                                   |                    |                   |Male householder,  |Female householder,|                     |

                                   |       Total        |   Married-couple  |no wife present    |no husband present |Unrelated individuals|

                                   |--------------------|-------------------|-------------------|-------------------|---------------------|

              Reason               |  Number  | Percent |  Number | Percent |  Number | Percent |  Number | Percent |  Number   | Percent |

-----------------------------------|----------|---------|---------|---------|---------|---------|---------|---------|-----------|---------|

USING CONVENTIONAL, FIXED-RATE,    |          |         |         |         |         |         |         |         |           |         |

   30-YEAR FINANCING               |          |         |         |         |         |         |         |         |           |         |

                                   |          |         |         |         |         |         |         |         |           |         |

      Total cannot afford house....|   32,396 |   100.0 |  18,739 |   100.0 |   2,054 |   100.0 |  11,603 |   100.0 |    24,913 |   100.0 |

Cash problem only..................|   10,690 |    33.0 |   9,224 |    49.2 |     308 |    15.0 |   1,158 |    10.0 |     4,084 |    16.4 |

  Debt level too high..............|    5,982 |    18.5 |   5,173 |    27.6 |     183 |     8.9 |     625 |     5.4 |     1,873 |     7.5 |

  Cannot afford down payment.......|    4,709 |    14.5 |   4,051 |    21.6 |     125 |     6.1 |     533 |     4.6 |     2,210 |     8.9 |

Income problem only-cannot afford  |          |         |         |         |         |         |         |         |           |         |

  monthly payments.................|    3,660 |    11.3 |   1,927 |    10.3 |     339 |    16.5 |   1,395 |    12.0 |     3,918 |    15.7 |

Cash problem and income problem....|   18,046 |    55.7 |   7,588 |    40.5 |   1,408 |    68.5 |   9,050 |    78.0 |    16,911 |    67.9 |

  Debt level too high/cannot afford|          |         |         |         |         |         |         |         |           |         |

    monthly payments...............|   12,174 |    37.6 |   4,499 |    24.0 |     903 |    43.9 |   6,773 |    58.4 |     9,825 |    39.4 |

  Cannot afford down payment/cannot|          |         |         |         |         |         |         |         |           |         |

    afford monthly payments........|    5,871 |    18.1 |   3,090 |    16.5 |     505 |    24.6 |   2,277 |    19.6 |     7,086 |    28.4 |

                                   |          |         |         |         |         |         |         |         |           |         |

                                   |          |         |         |         |         |         |         |         |           |         |

      Current owners cannot afford.|   13,092 |   100.0 |   8,572 |   100.0 |     755 |   100.0 |   3,765 |   100.0 |     6,548 |   100.0 |

Cash problem only..................|    5,297 |    40.5 |   4,696 |    54.8 |     153 |    20.3 |     447 |    11.9 |       999 |    15.2 |

  Debt level too high..............|    3,580 |    27.3 |   3,196 |    37.3 |     109 |    14.4 |     275 |     7.3 |       527 |     8.1 |

  Cannot afford down payment.......|    1,717 |    13.1 |   1,501 |    17.5 |      44 |     5.9 |     172 |     4.6 |       471 |     7.2 |

Income problem only-cannot afford  |          |         |         |         |         |         |         |         |           |         |

  monthly payments.................|    3,248 |    24.8 |   1,678 |    19.6 |     308 |    40.7 |   1,262 |    33.5 |     2,652 |    40.5 |

Cash problem and income problem....|    4,547 |    34.7 |   2,198 |    25.6 |     294 |    38.9 |   2,056 |    54.6 |     2,898 |    44.3 |

  Debt level too high/cannot afford|          |         |         |         |         |         |         |         |           |         |

    monthly payments...............|    2,851 |    21.8 |   1,362 |    15.9 |     163 |    21.6 |   1,326 |    35.2 |     1,606 |    24.5 |

  Cannot afford down payment/cannot|          |         |         |         |         |         |         |         |           |         |

    afford monthly payments........|    1,696 |    13.0 |     836 |     9.7 |     131 |    17.4 |     730 |    19.4 |     1,292 |    19.7 |

                                   |          |         |         |         |         |         |         |         |           |         |

                                   |          |         |         |         |         |         |         |         |           |         |

      Current renters cannot afford|   19,304 |   100.0 |  10,167 |   100.0 |   1,299 |   100.0 |   7,838 |   100.0 |    18,365 |   100.0 |

Cash problem only..................|    5,393 |    27.9 |   4,528 |    44.5 |     154 |    11.9 |     711 |     9.1 |     3,085 |    16.8 |

  Debt level too high..............|    2,402 |    12.4 |   1,977 |    19.4 |      74 |     5.7 |     350 |     4.5 |     1,346 |     7.3 |

  Cannot afford down payment.......|    2,991 |    15.5 |   2,551 |    25.1 |      80 |     6.2 |     361 |     4.6 |     1,739 |     9.5 |

Income problem only-cannot afford  |          |         |         |         |         |         |         |         |           |         |

  monthly payments.................|      413 |     2.1 |     249 |     2.4 |      31 |     2.4 |     133 |     1.7 |     1,267 |     6.9 |

Cash problem and income problem....|   13,498 |    69.9 |   5,391 |    53.0 |   1,114 |    85.7 |   6,994 |    89.2 |    14,013 |    76.3 |

  Debt level too high/cannot afford|          |         |         |         |         |         |         |         |           |         |

    monthly payments...............|    9,323 |    48.3 |   3,137 |    30.9 |     740 |    56.9 |   5,447 |    69.5 |     8,219 |    44.8 |

  Cannot afford down payment/cannot|          |         |         |         |         |         |         |         |           |         |

    afford monthly payments........|    4,175 |    21.6 |   2,254 |    22.2 |     374 |    28.8 |   1,547 |    19.7 |     5,794 |    31.5 |

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Table 3-5.   Reason Modestly Priced Home Cannot be Afforded for Families and Unrelated Individuals Below

             Affordability Level, by Current Tenure and Type of Financing:  United States, 1995 - Continued



           (Numbers in 000's.  Data may not add to total since more than one reason may prevent qualifying.)

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                                   |                                         Families                               |                     |

                                   |--------------------------------------------------------------------------------|                     |

                                   |                    |                   |                   |                   |                     |

                                   |                    |                   |Male householder,  |Female householder,|                     |

                                   |       Total        |   Married-couple  |no wife present    |no husband present |Unrelated individuals|

                                   |--------------------|-------------------|-------------------|-------------------|---------------------|

              Reason               |  Number  | Percent |  Number | Percent |  Number | Percent |  Number | Percent |  Number   | Percent |

-----------------------------------|----------|---------|---------|---------|---------|---------|---------|---------|-----------|---------|

USING FHA, FIXED-RATE, 30-YEAR     |          |         |         |         |         |         |         |         |           |         |

   FINANCING                       |          |         |         |         |         |         |         |         |           |         |

                                   |          |         |         |         |         |         |         |         |           |         |

      Total cannot afford house....|   30,703 |   100.0 |  17,190 |   100.0 |   2,015 |   100.0 |  11,499 |   100.0 |    24,445 |   100.0 |

Cash problem only..................|    9,953 |    32.4 |   8,312 |    48.4 |     338 |    16.8 |   1,303 |    11.3 |     4,301 |    17.6 |

  Debt level too high..............|    5,209 |    17.0 |   4,415 |    25.7 |     186 |     9.2 |     608 |     5.3 |     1,939 |     7.9 |

  Cannot afford down payment.......|    4,744 |    15.5 |   3,897 |    22.7 |     152 |     7.5 |     695 |     6.0 |     2,362 |     9.7 |

Income problem only-cannot afford  |          |         |         |         |         |         |         |         |           |         |

  monthly payments.................|    4,382 |    14.3 |   2,416 |    14.1 |     411 |    20.4 |   1,554 |    13.5 |     4,593 |    18.8 |

Cash problem and income problem....|   16,369 |    53.3 |   6,462 |    37.6 |   1,265 |    62.8 |   8,642 |    75.2 |    15,551 |    63.6 |

  Debt level too high/cannot afford|          |         |         |         |         |         |         |         |           |         |

    monthly payments...............|   11,074 |    36.1 |   3,787 |    22.0 |     823 |    40.8 |   6,464 |    56.2 |     8,816 |    36.1 |

  Cannot afford down payment/cannot|          |         |         |         |         |         |         |         |           |         |

    afford monthly payments........|    5,295 |    17.2 |   2,675 |    15.6 |     442 |    22.0 |   2,178 |    18.9 |     6,735 |    27.6 |

                                   |          |         |         |         |         |         |         |         |           |         |

                                   |          |         |         |         |         |         |         |         |           |         |

      Current owners cannot afford.|   11,833 |   100.0 |   7,387 |   100.0 |     743 |   100.0 |   3,703 |   100.0 |     6,396 |   100.0 |

Cash problem only..................|    4,281 |    36.2 |   3,688 |    49.9 |     145 |    19.5 |     448 |    12.1 |       924 |    14.4 |

  Debt level too high..............|    3,150 |    26.6 |   2,791 |    37.8 |     105 |    14.2 |     254 |     6.9 |       511 |     8.0 |

  Cannot afford down payment.......|    1,131 |     9.6 |     897 |    12.1 |      40 |     5.3 |     195 |     5.3 |       412 |     6.4 |

Income problem only-cannot afford  |          |         |         |         |         |         |         |         |           |         |

  monthly payments.................|    3,773 |    31.9 |   2,036 |    27.6 |     362 |    48.7 |   1,375 |    37.1 |     2,948 |    46.1 |

Cash problem and income problem....|    3,779 |    31.9 |   1,663 |    22.5 |     236 |    31.8 |   1,880 |    50.8 |     2,524 |    39.5 |

  Debt level too high/cannot afford|          |         |         |         |         |         |         |         |           |         |

    monthly payments...............|    2,527 |    21.4 |   1,096 |    14.8 |     151 |    20.3 |   1,280 |    34.6 |     1,409 |    22.0 |

  Cannot afford down payment/cannot|          |         |         |         |         |         |         |         |           |         |

    afford monthly payments........|    1,252 |    10.6 |     567 |     7.7 |      85 |    11.5 |     600 |    16.2 |     1,115 |    17.4 |

                                   |          |         |         |         |         |         |         |         |           |         |

                                   |          |         |         |         |         |         |         |         |           |         |

      Current renters cannot afford|   18,870 |   100.0 |   9,803 |   100.0 |   1,272 |   100.0 |   7,795 |   100.0 |    18,049 |   100.0 |

Cash problem only..................|    5,672 |    30.1 |   4,624 |    47.2 |     193 |    15.2 |     854 |    11.0 |     3,377 |    18.7 |

  Debt level too high..............|    2,059 |    10.9 |   1,624 |    16.6 |      81 |     6.4 |     354 |     4.5 |     1,428 |     7.9 |

  Cannot afford down payment.......|    3,613 |    19.1 |   3,000 |    30.6 |     112 |     8.8 |     500 |     6.4 |     1,949 |    10.8 |

Income problem only-cannot afford  |          |         |         |         |         |         |         |         |           |         |

  monthly payments.................|      609 |     3.2 |     380 |     3.9 |      50 |     3.9 |     179 |     2.3 |     1,645 |     9.1 |

Cash problem and income problem....|   12,590 |    66.7 |   4,799 |    49.0 |   1,029 |    80.9 |   6,762 |    86.7 |    13,027 |    72.2 |

  Debt level too high/cannot afford|          |         |         |         |         |         |         |         |           |         |

    monthly payments...............|    8,547 |    45.3 |   2,691 |    27.5 |     672 |    52.8 |   5,184 |    66.5 |     7,407 |    41.0 |

  Cannot afford down payment/cannot|          |         |         |         |         |         |         |         |           |         |

    afford monthly payments........|    4,043 |    21.4 |   2,108 |    21.5 |     357 |    28.1 |   1,578 |    20.2 |     5,620 |    31.1 |

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