Table 2-1. Affordability Status of Families and Unrelated Individuals for a Median-Priced Home, by Current Tenure, Type of Family, and Type of Financing: United States and Regions, 1991 (Numbers in 000's. Data may not add to total due to rounding.) --------------------------------------------------------------------------------------------------------------------------------------- | | | | | Total | Current owners | Current renters | |-------------------------------|-------------------------------|-------------------------------| | |Cannot afford median-| |Cannot afford median-| |Cannot afford median-| | |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...........................| 105,553 | 63,101 | 59.8 | 66,192 | 27,033 | 40.8 | 39,361 | 36,067 | 91.6 | Families..............................| 69,543 | 35,668 | 51.3 | 49,881 | 17,742 | 35.6 | 19,662 | 17,926 | 91.2 | Married-couple families.............| 53,249 | 22,449 | 42.2 | 41,875 | 12,591 | 30.1 | 11,373 | 9,859 | 86.7 | With children under 18 years......| 24,653 | 12,776 | 51.8 | 18,094 | 6,786 | 37.5 | 6,559 | 5,990 | 91.3 | With no children under 18 years...| 28,595 | 9,674 | 33.8 | 23,781 | 5,805 | 24.4 | 4,814 | 3,869 | 80.4 | Male householder, no wife present...| 2,810 | 1,904 | 67.8 | 1,804 | 967 | 53.6 | 1,007 | 937 | 93.1 | With children under 18 years......| 1,183 | 913 | 77.2 | 741 | 500 | 67.4 | 441 | 414 | 93.7 | With no children under 18 years...| 1,628 | 991 | 60.9 | 1,062 | 467 | 44.0 | 565 | 523 | 92.6 | Female householder, no husb. present| 13,484 | 11,314 | 83.9 | 6,202 | 4,185 | 67.5 | 7,282 | 7,130 | 97.9 | With children under 18 years......| 9,029 | 8,279 | 91.7 | 3,209 | 2,553 | 79.5 | 5,819 | 5,726 | 98.4 | With no children under 18 years...| 4,455 | 3,035 | 68.1 | 2,993 | 1,632 | 54.5 | 1,463 | 1,404 | 96.0 | Unrelated individuals.................| 36,010 | 27,433 | 76.2 | 16,311 | 9,291 | 57.0 | 19,699 | 18,142 | 92.1 | Male................................| 17,121 | 13,595 | 79.4 | 7,074 | 4,276 | 60.4 | 10,047 | 9,319 | 92.8 | Female..............................| 18,889 | 13,838 | 73.3 | 9,237 | 5,015 | 54.3 | 9,652 | 8,823 | 91.4 | | | | | | | | | | | | | | | | | | | | | Using FHA, Fixed-Rate, 30-Year | | | | | | | | | | Financing | | | | | | | | | | | | | | | | | | | | Total...........................| 105,553 | 61,536 | 58.3 | 66,192 | 25,865 | 39.1 | 39,361 | 35,671 | 90.6 | Families..............................| 69,543 | 34,362 | 49.4 | 49,881 | 16,724 | 33.5 | 19,662 | 17,639 | 89.7 | Married-couple families.............| 53,249 | 21,256 | 39.9 | 41,875 | 11,667 | 27.9 | 11,373 | 9,589 | 84.3 | With children under 18 years......| 24,653 | 12,055 | 48.9 | 18,094 | 6,176 | 34.1 | 6,559 | 5,879 | 89.6 | With no children under 18 years...| 28,595 | 9,201 | 32.2 | 23,781 | 5,492 | 23.1 | 4,814 | 3,709 | 77.1 | Male householder, no wife present...| 2,810 | 1,874 | 66.7 | 1,804 | 937 | 52.0 | 1,007 | 937 | 93.1 | With children under 18 years......| 1,183 | 905 | 76.5 | 741 | 491 | 66.2 | 441 | 414 | 93.7 | With no children under 18 years...| 1,628 | 970 | 59.6 | 1,062 | 446 | 42.0 | 565 | 523 | 92.6 | Female householder, no husb. present| 13,484 | 11,232 | 83.3 | 6,202 | 4,119 | 66.4 | 7,282 | 7,113 | 97.7 | With children under 18 years......| 9,029 | 8,235 | 91.2 | 3,209 | 2,520 | 78.5 | 5,819 | 5,715 | 98.2 | With no children under 18 years...| 4,455 | 2,997 | 67.3 | 2,993 | 1,599 | 53.4 | 1,463 | 1,398 | 95.5 | Unrelated individuals.................| 36,010 | 27,173 | 75.5 | 16,311 | 9,141 | 56.0 | 19,699 | 18,032 | 91.5 | Male................................| 17,121 | 13,467 | 78.7 | 7,074 | 4,218 | 59.6 | 10,047 | 9,250 | 92.1 | Female..............................| 18,889 | 13,706 | 72.6 | 9,237 | 4,923 | 53.3 | 9,652 | 8,783 | 91.0 | | | | | | | | | | | | | | | | | | | | | NORTHEAST | | | | | | | | | | | | | | | | | | | | Using Conventional, Fixed-Rate, | | | | | | | | | | 30-Year Financing | | | | | | | | | | | | | | | | | | | | Total...........................| 21,081 | 12,730 | 60.4 | 12,860 | 5,085 | 39.5 | 8,221 | 7,646 | 93.0 | Families..............................| 13,726 | 6,867 | 50.0 | 9,884 | 3,341 | 33.8 | 3,842 | 3,525 | 91.8 | Married-couple families.............| 10,349 | 4,129 | 39.9 | 8,290 | 2,353 | 28.4 | 2,059 | 1,776 | 86.2 | With children under 18 years......| 4,725 | 2,170 | 45.9 | 3,625 | 1,172 | 32.3 | 1,100 | 998 | 90.7 | With no children under 18 years...| 5,624 | 1,959 | 34.8 | 4,665 | 1,181 | 25.3 | 959 | 778 | 81.1 | Male householder, no wife present...| 614 | 401 | 65.4 | 385 | 187 | 48.5 | 228 | 215 | 94.0 | With children under 18 years......| 184 | 148 | 80.6 | 116 | 81 | 69.3 | 68 | 68 | 100.0 | With no children under 18 years...| 429 | 253 | 58.9 | 269 | 106 | 39.5 | 161 | 147 | 91.5 | Female householder, no husb. present| 2,763 | 2,336 | 84.5 | 1,209 | 802 | 66.3 | 1,554 | 1,534 | 98.7 | With children under 18 years......| 1,606 | 1,523 | 94.8 | 477 | 401 | 84.1 | 1,129 | 1,122 | 99.4 | With no children under 18 years...| 1,157 | 813 | 70.3 | 732 | 400 | 54.7 | 425 | 413 | 97.0 | Unrelated individuals.................| 7,355 | 5,864 | 79.7 | 2,976 | 1,743 | 58.6 | 4,379 | 4,120 | 94.1 | Male................................| 3,291 | 2,705 | 82.2 | 1,200 | 701 | 58.4 | 2,091 | 2,004 | 95.9 | Female..............................| 4,064 | 3,159 | 77.7 | 1,776 | 1,043 | 58.7 | 2,288 | 2,116 | 92.5 | | | | | | | | | | | | | | | | | | | | | Using FHA, Fixed-Rate, 30-Year | | | | | | | | | | Financing | | | | | | | | | | | | | | | | | | | | Total...........................| 21,081 | 12,549 | 59.5 | 12,860 | 4,947 | 38.5 | 8,221 | 7,601 | 92.5 | Families..............................| 13,726 | 6,723 | 49.0 | 9,884 | 3,231 | 32.7 | 3,842 | 3,492 | 90.9 | Married-couple families.............| 10,349 | 4,004 | 38.7 | 8,290 | 2,262 | 27.3 | 2,059 | 1,742 | 84.6 | With children under 18 years......| 4,725 | 2,118 | 44.8 | 3,625 | 1,125 | 31.0 | 1,100 | 993 | 90.2 | With no children under 18 years...| 5,624 | 1,887 | 33.5 | 4,665 | 1,137 | 24.4 | 959 | 750 | 78.2 | Male householder, no wife present...| 614 | 394 | 64.2 | 385 | 179 | 46.5 | 228 | 215 | 94.0 | With children under 18 years......| 184 | 148 | 80.6 | 116 | 81 | 69.3 | 68 | 68 | 100.0 | With no children under 18 years...| 429 | 245 | 57.1 | 269 | 98 | 36.6 | 161 | 147 | 91.5 | Female householder, no husb. present| 2,763 | 2,325 | 84.1 | 1,209 | 791 | 65.4 | 1,554 | 1,534 | 98.7 | With children under 18 years......| 1,606 | 1,519 | 94.6 | 477 | 397 | 83.3 | 1,129 | 1,122 | 99.4 | With no children under 18 years...| 1,157 | 806 | 69.6 | 732 | 393 | 53.7 | 425 | 413 | 97.0 | Unrelated individuals.................| 7,355 | 5,826 | 79.2 | 2,976 | 1,716 | 57.7 | 4,379 | 4,110 | 93.9 | Male................................| 3,291 | 2,688 | 81.7 | 1,200 | 691 | 57.6 | 2,091 | 1,997 | 95.5 | Female..............................| 4,064 | 3,137 | 77.2 | 1,776 | 1,025 | 57.7 | 2,288 | 2,113 | 92.3 | | | | | | | | | | | | | | | | | | | | | MIDWEST | | | | | | | | | | | | | | | | | | | | Using Conventional, Fixed-Rate, | | | | | | | | | | 30-Year Financing | | | | | | | | | | | | | | | | | | | | Total...........................| 26,962 | 14,385 | 53.4 | 17,900 | 6,405 | 35.8 | 9,061 | 7,980 | 88.1 | Families..............................| 17,629 | 7,667 | 43.5 | 13,434 | 4,015 | 29.9 | 4,195 | 3,652 | 87.0 | Married-couple families.............| 13,825 | 4,757 | 34.4 | 11,420 | 2,803 | 24.5 | 2,406 | 1,955 | 81.3 | With children under 18 years......| 6,056 | 2,763 | 45.6 | 4,670 | 1,528 | 32.7 | 1,386 | 1,235 | 89.1 | With no children under 18 years...| 7,769 | 1,994 | 25.7 | 6,750 | 1,275 | 18.9 | 1,020 | 719 | 70.6 | Male householder, no wife present...| 696 | 388 | 55.7 | 499 | 222 | 44.4 | 197 | 166 | 84.4 | With children under 18 years......| 265 | 183 | 69.2 | 184 | 112 | 61.1 | 81 | 71 | 87.6 | With no children under 18 years...| 431 | 205 | 47.5 | 315 | 109 | 34.7 | 116 | 96 | 82.2 | Female householder, no husb. present| 3,108 | 2,522 | 81.1 | 1,515 | 991 | 65.4 | 1,592 | 1,531 | 96.1 | With children under 18 years......| 2,178 | 1,955 | 89.7 | 867 | 690 | 79.6 | 1,311 | 1,265 | 96.5 | With no children under 18 years...| 929 | 567 | 61.0 | 648 | 301 | 46.4 | 281 | 266 | 94.5 | Unrelated individuals.................| 9,332 | 6,718 | 72.0 | 4,466 | 2,390 | 53.5 | 4,866 | 4,328 | 88.9 | Male................................| 4,389 | 3,274 | 74.6 | 1,974 | 1,139 | 57.7 | 2,415 | 2,135 | 88.4 | Female..............................| 4,943 | 3,444 | 69.7 | 2,492 | 1,251 | 50.2 | 2,451 | 2,193 | 89.5 | | | | | | | | | | | | | | | | | | | | | Using FHA, Fixed-Rate, 30-Year | | | | | | | | | | Financing | | | | | | | | | | | | | | | | | | | | Total...........................| 26,962 | 13,853 | 51.4 | 17,900 | 6,021 | 33.6 | 9,061 | 7,832 | 86.4 | Families..............................| 17,629 | 7,215 | 40.9 | 13,434 | 3,660 | 27.2 | 4,195 | 3,555 | 84.7 | Married-couple families.............| 13,825 | 4,342 | 31.4 | 11,420 | 2,476 | 21.7 | 2,406 | 1,866 | 77.6 | With children under 18 years......| 6,056 | 2,528 | 41.7 | 4,670 | 1,332 | 28.5 | 1,386 | 1,197 | 86.3 | With no children under 18 years...| 7,769 | 1,814 | 23.3 | 6,750 | 1,144 | 17.0 | 1,020 | 670 | 65.7 | Male householder, no wife present...| 696 | 371 | 53.3 | 499 | 205 | 41.1 | 197 | 166 | 84.4 | With children under 18 years......| 265 | 174 | 65.9 | 184 | 104 | 56.4 | 81 | 71 | 87.6 | With no children under 18 years...| 431 | 197 | 45.7 | 315 | 101 | 32.2 | 116 | 96 | 82.2 | Female householder, no husb. present| 3,108 | 2,502 | 80.5 | 1,515 | 979 | 64.6 | 1,592 | 1,523 | 95.6 | With children under 18 years......| 2,178 | 1,945 | 89.3 | 867 | 684 | 78.9 | 1,311 | 1,260 | 96.1 | With no children under 18 years...| 929 | 557 | 59.9 | 648 | 295 | 45.5 | 281 | 262 | 93.2 | Unrelated individuals.................| 9,332 | 6,638 | 71.1 | 4,466 | 2,360 | 52.8 | 4,866 | 4,278 | 87.9 | Male................................| 4,389 | 3,224 | 73.5 | 1,974 | 1,120 | 56.8 | 2,415 | 2,104 | 87.1 | Female..............................| 4,943 | 3,413 | 69.1 | 2,492 | 1,240 | 49.8 | 2,451 | 2,173 | 88.7 | | | | | | | | | | | | | | | | | | | | | SOUTH | | | | | | | | | | | | | | | | | | | | Using Conventional, Fixed-Rate, | | | | | | | | | | 30-Year Financing | | | | | | | | | | | | | | | | | | | | Total...........................| 35,243 | 20,990 | 59.6 | 22,818 | 9,652 | 42.3 | 12,424 | 11,338 | 91.3 | Families..............................| 24,292 | 12,956 | 53.3 | 17,478 | 6,676 | 38.2 | 6,814 | 6,281 | 92.2 | Married-couple families.............| 18,282 | 8,021 | 43.9 | 14,460 | 4,680 | 32.4 | 3,822 | 3,341 | 87.4 | With children under 18 years......| 8,704 | 4,635 | 53.3 | 6,468 | 2,633 | 40.7 | 2,235 | 2,002 | 89.6 | With no children under 18 years...| 9,578 | 3,386 | 35.3 | 7,991 | 2,047 | 25.6 | 1,587 | 1,339 | 84.3 | Male householder, no wife present...| 830 | 601 | 72.4 | 530 | 306 | 57.6 | 300 | 295 | 98.4 | With children under 18 years......| 411 | 312 | 76.0 | 251 | 155 | 61.7 | 159 | 157 | 98.4 | With no children under 18 years...| 419 | 289 | 68.8 | 279 | 150 | 53.9 | 140 | 138 | 98.4 | Female householder, no husb. present| 5,179 | 4,335 | 83.7 | 2,488 | 1,690 | 67.9 | 2,692 | 2,645 | 98.2 | With children under 18 years......| 3,457 | 3,107 | 89.9 | 1,309 | 988 | 75.5 | 2,147 | 2,119 | 98.7 | With no children under 18 years...| 1,723 | 1,228 | 71.3 | 1,178 | 702 | 59.6 | 544 | 526 | 96.6 | Unrelated individuals.................| 10,951 | 8,034 | 73.4 | 5,341 | 2,976 | 55.7 | 5,610 | 5,058 | 90.2 | Male................................| 4,958 | 3,899 | 78.6 | 2,168 | 1,367 | 63.1 | 2,790 | 2,531 | 90.7 | Female..............................| 5,993 | 4,135 | 69.0 | 3,173 | 1,609 | 50.7 | 2,820 | 2,527 | 89.6 | | | | | | | | | | | | | | | | | | | | | Using FHA, Fixed-Rate, 30-Year | | | | | | | | | | Financing | | | | | | | | | | | | | | | | | | | | Total...........................| 35,243 | 20,055 | 56.9 | 22,818 | 8,933 | 39.1 | 12,424 | 11,121 | 89.5 | Families..............................| 24,292 | 12,187 | 50.2 | 17,478 | 6,063 | 34.7 | 6,814 | 6,124 | 89.9 | Married-couple families.............| 18,282 | 7,298 | 39.9 | 14,460 | 4,106 | 28.4 | 3,822 | 3,192 | 83.5 | With children under 18 years......| 8,704 | 4,173 | 47.9 | 6,468 | 2,239 | 34.6 | 2,235 | 1,933 | 86.5 | With no children under 18 years...| 9,578 | 3,125 | 32.6 | 7,991 | 1,867 | 23.4 | 1,587 | 1,258 | 79.3 | Male householder, no wife present...| 830 | 590 | 71.1 | 530 | 295 | 55.6 | 300 | 295 | 98.4 | With children under 18 years......| 411 | 312 | 76.0 | 251 | 155 | 61.7 | 159 | 157 | 98.4 | With no children under 18 years...| 419 | 278 | 66.3 | 279 | 140 | 50.1 | 140 | 138 | 98.4 | Female householder, no husb. present| 5,179 | 4,299 | 83.0 | 2,488 | 1,661 | 66.8 | 2,692 | 2,638 | 98.0 | With children under 18 years......| 3,457 | 3,084 | 89.2 | 1,309 | 970 | 74.1 | 2,147 | 2,114 | 98.5 | With no children under 18 years...| 1,723 | 1,215 | 70.5 | 1,178 | 691 | 58.7 | 544 | 523 | 96.1 | Unrelated individuals.................| 10,951 | 7,868 | 71.8 | 5,341 | 2,871 | 53.7 | 5,610 | 4,997 | 89.1 | Male................................| 4,958 | 3,818 | 77.0 | 2,168 | 1,321 | 60.9 | 2,790 | 2,497 | 89.5 | Female..............................| 5,993 | 4,050 | 67.6 | 3,173 | 1,550 | 48.8 | 2,820 | 2,500 | 88.6 | | | | | | | | | | | | | | | | | | | | | WEST | | | | | | | | | | | | | | | | | | | | Using Conventional, Fixed-Rate, | | | | | | | | | | 30-Year Financing | | | | | | | | | | | | | | | | | | | | Total...........................| 22,268 | 14,996 | 67.3 | 12,613 | 5,892 | 46.7 | 9,655 | 9,104 | 94.3 | Families..............................| 13,897 | 8,178 | 58.9 | 9,085 | 3,710 | 40.8 | 4,811 | 4,468 | 92.9 | Married-couple families.............| 10,792 | 5,542 | 51.4 | 7,706 | 2,755 | 35.8 | 3,086 | 2,787 | 90.3 | With children under 18 years......| 5,168 | 3,207 | 62.0 | 3,331 | 1,453 | 43.6 | 1,838 | 1,754 | 95.4 | With no children under 18 years...| 5,624 | 2,335 | 41.5 | 4,375 | 1,302 | 29.8 | 1,249 | 1,033 | 82.7 | Male householder, no wife present...| 670 | 514 | 76.7 | 389 | 253 | 65.0 | 281 | 261 | 92.8 | With children under 18 years......| 323 | 270 | 83.5 | 190 | 151 | 79.8 | 133 | 118 | 88.7 | With no children under 18 years...| 348 | 245 | 70.4 | 199 | 102 | 50.9 | 148 | 143 | 96.5 | Female householder, no husb. present| 2,434 | 2,122 | 87.2 | 990 | 702 | 70.9 | 1,444 | 1,420 | 98.4 | With children under 18 years......| 1,788 | 1,694 | 94.8 | 556 | 473 | 85.2 | 1,232 | 1,221 | 99.1 | With no children under 18 years...| 646 | 428 | 66.2 | 435 | 228 | 52.6 | 212 | 199 | 94.2 | Unrelated individuals.................| 8,372 | 6,818 | 81.4 | 3,528 | 2,182 | 61.8 | 4,844 | 4,636 | 95.7 | Male................................| 4,483 | 3,718 | 82.9 | 1,732 | 1,069 | 61.7 | 2,750 | 2,649 | 96.3 | Female..............................| 3,889 | 3,099 | 79.7 | 1,796 | 1,113 | 62.0 | 2,093 | 1,987 | 94.9 | | | | | | | | | | | | | | | | | | | | | Using FHA, Fixed-Rate, 30-Year | | | | | | | | | | Financing | | | | | | | | | | | | | | | | | | | | Total...........................| 22,268 | 15,079 | 67.7 | 12,613 | 5,963 | 47.3 | 9,655 | 9,116 | 94.4 | Families..............................| 13,897 | 8,237 | 59.3 | 9,085 | 3,769 | 41.5 | 4,811 | 4,468 | 92.9 | Married-couple families.............| 10,792 | 5,611 | 52.0 | 7,706 | 2,823 | 36.6 | 3,086 | 2,788 | 90.3 | With children under 18 years......| 5,168 | 3,236 | 62.6 | 3,331 | 1,480 | 44.4 | 1,838 | 1,756 | 95.6 | With no children under 18 years...| 5,624 | 2,375 | 42.2 | 4,375 | 1,343 | 30.7 | 1,249 | 1,032 | 82.6 | Male householder, no wife present...| 670 | 519 | 77.4 | 389 | 258 | 66.3 | 281 | 261 | 92.8 | With children under 18 years......| 323 | 270 | 83.5 | 190 | 151 | 79.8 | 133 | 118 | 88.7 | With no children under 18 years...| 348 | 250 | 71.8 | 199 | 107 | 53.5 | 148 | 143 | 96.5 | Female householder, no husb. present| 2,434 | 2,106 | 86.5 | 990 | 688 | 69.5 | 1,444 | 1,418 | 98.2 | With children under 18 years......| 1,788 | 1,687 | 94.3 | 556 | 468 | 84.2 | 1,232 | 1,219 | 98.9 | With no children under 18 years...| 646 | 420 | 65.0 | 435 | 220 | 50.7 | 212 | 199 | 94.2 | Unrelated individuals.................| 8,372 | 6,842 | 81.7 | 3,528 | 2,194 | 62.2 | 4,844 | 4,648 | 96.0 | Male................................| 4,483 | 3,736 | 83.4 | 1,732 | 1,085 | 62.6 | 2,750 | 2,651 | 96.4 | Female..............................| 3,889 | 3,106 | 79.9 | 1,796 | 1,109 | 61.7 | 2,093 | 1,997 | 95.4 | | | | | | | | | | | ---------------------------------------------------------------------------------------------------------------------------------------