Housing Affordability 1995: Table 3-5A

U.S. Department of Commerce

Housing Affordability 1995

Table 3-5A. Reason Modestly Priced Home Cannot be Afforded for Families and Unrelated Individuals Below Affordability Level, by Race, Hispanic Origin, Current Tenure and Type of Financing: United States, 1995 (Numbers in 000's. Data may not add to total due to rounding.) --------------------------------------------------------------------------------------------------------- | Cannot afford modestly priced home in area | |------------------------------------------------------------------------| | Race | | |------------------------------------------------------|-----------------| | White | Black | Other | Hispanic | | | | Race | | |-----------------|------------------|-----------------|-----------------| | Number| Percent| Number | Percent| Number| Percen| Number| Percent| Reason | | | | | | | | | -------------------------------|--------|--------|---------|--------|--------|--------|--------|--------| USING CONVENTIONAL, FIXED-RATE,| | | | | | | | | 30-YEAR FINANCING | | | | | | | | | | | | | | | | | | Total cannot afford house| 44919 | 100.0 | 10094 | 100.0 | 2296 | 100.0 | 7425 | 100.0 | Cash problem only..............| 12041 | 26.8 | 2227 | 22.1 | 505 | 22.0 | 1254 | 16.9 | Debt level too high..........| 6444 | 14.3 | 1172 | 11.6 | 239 | 10.4 | 666 | 9.0 | Cannot afford down payment...| 5597 | 12.5 | 1056 | 10.5 | 266 | 11.6 | 588 | 7.9 | Income problem only-cannot affo| | | | | | | | | monthly payments.............| 6419 | 14.3 | 1005 | 10.0 | 155 | 6.8 | 704 | 9.5 | Cash problem and income problem| 26459 | 58.9 | 6862 | 68.0 | 1635 | 71.2 | 5466 | 73.6 | Debt level too high/cannot af| | | | | | | | | monthly payments...........| 15899 | 35.4 | 5132 | 50.8 | 968 | 42.2 | 3643 | 49.1 | Cannot afford down payment/ca| | | | | | | | | afford monthly payments....| 10560 | 23.5 | 1730 | 17.1 | 668 | 29.1 | 1823 | 24.6 | | | | | | | | | | | | | | | | | | | Current owners cannot aff| 16186 | 100.0 | 2899 | 100.0 | 554 | 100.0 | 1953 | 100.0 | Cash problem only..............| 5309 | 32.8 | 823 | 28.4 | 164 | 29.5 | 451 | 23.1 | Debt level too high..........| 3420 | 21.1 | 591 | 20.4 | 97 | 17.5 | 309 | 15.8 | Cannot afford down payment...| 1889 | 11.7 | 232 | 8.0 | 67 | 12.0 | 143 | 7.3 | Income problem only-cannot affo| | | | | | | | | monthly payments.............| 4864 | 30.0 | 907 | 31.3 | 128 | 23.1 | 648 | 33.2 | Cash problem and income problem| 6013 | 37.2 | 1169 | 40.3 | 263 | 47.4 | 853 | 43.7 | Debt level too high/cannot af| | | | | | | | | monthly payments...........| 3457 | 21.4 | 838 | 28.9 | 162 | 29.2 | 510 | 26.1 | Cannot afford down payment/ca| | | | | | | | | afford monthly payments....| 2557 | 15.8 | 331 | 11.4 | 101 | 18.2 | 343 | 17.6 | | | | | | | | | | | | | | | | | | | Current renters cannot af| 28733 | 100.0 | 7195 | 100.0 | 1741 | 100.0 | 5472 | 100.0 | Cash problem only..............| 6732 | 23.4 | 1404 | 19.5 | 342 | 19.6 | 803 | 14.7 | Debt level too high..........| 3025 | 10.5 | 581 | 8.1 | 142 | 8.2 | 357 | 6.5 | Cannot afford down payment...| 3707 | 12.9 | 823 | 11.4 | 200 | 11.5 | 446 | 8.1 | Income problem only-cannot affo| | | | | | | | | monthly payments.............| 1555 | 5.4 | 97 | 1.4 | 27 | 1.6 | 56 | 1.0 | Cash problem and income problem| 20445 | 71.2 | 5693 | 79.1 | 1372 | 78.8 | 4613 | 84.3 | Debt level too high/cannot af| | | | | | | | | monthly payments...........| 12442 | 43.3 | 4294 | 59.7 | 806 | 46.3 | 3133 | 57.2 | Cannot afford down payment/ca| | | | | | | | | afford monthly payments....| 8003 | 27.9 | 1399 | 19.4 | 567 | 32.6 | 1480 | 27.1 | --------------------------------------------------------------------------------------------------------- Table 3-5A. Reason Modestly Priced Home Cannot be Afforded for Families and Unrelated Individuals Below Affordability Level, by Race, Hispanic Origin, Current Tenure and Type of Financing: United States, 1995-continued (Numbers in 000's. Data may not add to total due to rounding.) --------------------------------------------------------------------------------------------------------- | Cannot afford modestly priced home in area | |------------------------------------------------------------------------| | Race | | |------------------------------------------------------|-----------------| | White | Black | Other | Hispanic | | | | Race | | |-----------------|------------------|-----------------|-----------------| | Number| Percent| Number | Percent| Number| Percen| Number| Percent| Reason | Total | Number| Percent| Total | Number| Percen| Total | Number| -------------------------------|--------|--------|---------|--------|--------|--------|--------|--------| USING FHA, FIXED-RATE, 30-YEAR | | | | | | | | | FINANCING | | | | | | | | | | | | | | | | | | Total cannot afford house| 43021 | 100.0 | 9893 | 100.0 | 2234 | 100.0 | 7274 | 100.0 | Cash problem only..............| 11521 | 26.8 | 2233 | 22.6 | 499 | 22.3 | 1251 | 17.2 | Debt level too high..........| 5866 | 13.6 | 1097 | 11.1 | 186 | 8.3 | 617 | 8.5 | Cannot afford down payment...| 5656 | 13.1 | 1137 | 11.5 | 313 | 14.0 | 634 | 8.7 | Income problem only-cannot affo| | | | | | | | | monthly payments.............| 7553 | 17.6 | 1204 | 12.2 | 217 | 9.7 | 865 | 11.9 | Cash problem and income problem| 23946 | 55.7 | 6455 | 65.3 | 1518 | 68.0 | 5158 | 70.9 | Debt level too high/cannot af| | | | | | | | | monthly payments...........| 14118 | 32.8 | 4888 | 49.4 | 884 | 39.6 | 3465 | 47.6 | Cannot afford down payment/ca| | | | | | | | | afford monthly payments....| 9828 | 22.8 | 1567 | 15.8 | 635 | 28.4 | 1693 | 23.3 | | | | | | | | | | | | | | | | | | | Current owners cannot aff| 14893 | 100.0 | 2802 | 100.0 | 534 | 100.0 | 1837 | 100.0 | Cash problem only..............| 4309 | 28.9 | 736 | 26.3 | 160 | 29.9 | 373 | 20.3 | Debt level too high..........| 3031 | 20.4 | 540 | 19.3 | 90 | 16.9 | 267 | 14.5 | Cannot afford down payment...| 1278 | 8.6 | 196 | 7.0 | 70 | 13.0 | 106 | 5.8 | Income problem only-cannot affo| | | | | | | | | monthly payments.............| 5506 | 37.0 | 1066 | 38.0 | 149 | 27.9 | 752 | 40.9 | Cash problem and income problem| 5077 | 34.1 | 1000 | 35.7 | 225 | 42.2 | 713 | 38.8 | Debt level too high/cannot af| | | | | | | | | monthly payments...........| 3007 | 20.2 | 778 | 27.8 | 152 | 28.4 | 466 | 25.4 | Cannot afford down payment/ca| | | | | | | | | afford monthly payments....| 2071 | 13.9 | 223 | 8.0 | 74 | 13.8 | 247 | 13.4 | | | | | | | | | | | | | | | | | | | Current renters cannot af| 28129 | 100.0 | 7091 | 100.0 | 1699 | 100.0 | 5437 | 100.0 | Cash problem only..............| 7212 | 25.6 | 1498 | 21.1 | 339 | 20.0 | 878 | 16.1 | Debt level too high..........| 2834 | 10.1 | 557 | 7.9 | 96 | 5.6 | 350 | 6.4 | Cannot afford down payment...| 4378 | 15.6 | 941 | 13.3 | 243 | 14.3 | 528 | 9.7 | Income problem only-cannot affo| | | | | | | | | monthly payments.............| 2048 | 7.3 | 138 | 2.0 | 67 | 4.0 | 113 | 2.1 | Cash problem and income problem| 18869 | 67.1 | 5455 | 76.9 | 1293 | 76.1 | 4446 | 81.8 | Debt level too high/cannot af| | | | | | | | | monthly payments...........| 11111 | 39.5 | 4110 | 58.0 | 732 | 43.1 | 2999 | 55.2 | Cannot afford down payment/ca| | | | | | | | | afford monthly payments....| 7758 | 27.6 | 1345 | 19.0 | 561 | 33.0 | 1446 | 26.6 | ---------------------------------------------------------------------------------------------------------

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

Last Revised: September 30, 2011

U.S. Department of Commerce US Census Bureau Skip header section Home About Us Subjects A to Z FAQs Help People Age and Sex Ancestry Births Children Commuting (Journey to Work) Computer and Internet Use Congressional Apportionment Deaths Disability Educational Attainment Families and Living Arrangements Fertility Foreign-Born Genealogy Geographical Mobility/Migration Health Insurance Hispanic Origin Housing Immigration Income Industry and Occupation International Data Base International Statistics Labor Force Statistics Language Use Marriage and Divorce Metropolitan and Micropolitan Statistical Areas Migration Population Estimates Population Projections Poverty Race Redistricting and Voting Rights Data Same Sex Couples School Districts School Enrollment Small Area Health Insurance Estimates Small Area Income and Poverty Estimates Veterans Voting and Registration Wealth and Asset Ownership Well-Being Related Content American Community Survey 2010 Census 2000 Census Estimates Business Tools Get Help with Your Form Data by Industry Data by Geography Data by Survey American Fact Finder Industry Snapshots Indicators Database Data by Sector Economy-Wide Construction Governments Manufacturing Retail Trade Services Wholesale Trade Other Sectors Business Topics Business Expenses Concentration E-Commerce Export Codes Economic Studies NAICS /NAPCS Small Business Women/Minorities/Veterans Popular Resources Economic Census Business Patterns Economic Indicators Economic Studies Foreign Trade Local Employment Dynamics Geography 2010 Census Geographic Products TIGER Geographic Support System (GSS) Initiative Resources for Understanding Census Geography Geographic Programs Maps and Mapping Resources Upcoming Events Terms and Concepts Guide to State and Local Census Geography ZIP Code Tabulation Areas Metropolitan and Micropolitan Statistical Areas Gazetteer Data Quick Facts American FactFinder Population Finder American Community Survey 2010 Census Economic Census Interactive Maps Training & Workshops Data Tools Catalogs Publications Research Working Papers Seminars Research Data Work With Us Newsroom Releases Tip Sheets Facts for Features Multimedia Gallery Minority Links Contact Us Search
Housing Affordabilty
Housing Affordability Main Reports Detailed Tables FAQ