Table 2-4. Affordability Status of Families and Unrelated Individuals for a Median-Priced Home, by "Available" Money Family Income, Current Tenure, and Type of Financing: United States, 1991 (Numbers in 000's. Data may not add to total due to rounding.) ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | Families | | |-------------------------------------------------------------------------------------------------------------------------------| | | | | Male householder, | Female householder, | | | Total | Married-couple | no wife present | no husband present | Unrelated individuals | |-------------------------------|-------------------------------|-------------------------------|-------------------------------|-------------------------------| | |Cannot afford median-| |Cannot afford median-| |Cannot afford median-| |Cannot afford median-| |Cannot afford median-| | |priced home in area | |priced home in area | |priced home in area | |priced home in area | |priced home in area | | |---------------------| |---------------------| |---------------------| |---------------------| |---------------------| "Available" money family income| Total | Number | Percent | Total | Number | Percent | Total | Number | Percent | Total | Number | Percent | Total | Number | Percent | -------------------------------|---------|----------|----------|---------|----------|----------|---------|----------|----------|---------|----------|----------|---------|----------|----------| | | | | | | | | | | | | | | | | USING CONVENTIONAL, FIXED-RATE,| | | | | | | | | | | | | | | | 30-YEAR FINANCING | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total....................| 69,543 | 35,668 | 51.3 | 53,249 | 22,449 | 42.2 | 2,810 | 1,904 | 67.8 | 13,484 | 11,314 | 83.9 | 36,010 | 27,433 | 76.2 | No income or loss..............| 4,163 | 3,934 | 94.5 | 951 | 805 | 84.7 | 298 | 269 | 90.4 | 2,914 | 2,859 | 98.1 | 3,111 | 2,974 | 95.6 | $1 to $4,999...................| 2,987 | 2,728 | 91.3 | 921 | 781 | 84.7 | 154 | 149 | 96.7 | 1,911 | 1,798 | 94.1 | 3,441 | 3,092 | 89.8 | $5,000 to $9,999...............| 4,856 | 3,865 | 79.6 | 2,397 | 1,744 | 72.7 | 414 | 333 | 80.3 | 2,044 | 1,789 | 87.5 | 7,745 | 6,045 | 78.1 | $10,000 to $14,999.............| 6,762 | 4,730 | 69.9 | 4,440 | 2,760 | 62.2 | 340 | 264 | 77.8 | 1,983 | 1,706 | 86.0 | 5,898 | 4,509 | 76.5 | $15,000 to $19,999.............| 7,282 | 4,411 | 60.6 | 5,358 | 2,896 | 54.0 | 321 | 236 | 73.6 | 1,603 | 1,279 | 79.8 | 4,565 | 3,581 | 78.4 | $20,000 to $24,999.............| 6,871 | 3,652 | 53.1 | 5,543 | 2,704 | 48.8 | 272 | 173 | 63.8 | 1,056 | 774 | 73.3 | 3,411 | 2,638 | 77.3 | $25,000 to $29,999.............| 5,865 | 3,120 | 53.2 | 4,854 | 2,444 | 50.4 | 231 | 122 | 53.0 | 780 | 553 | 70.9 | 2,173 | 1,524 | 70.1 | $30,000 to $34,999.............| 4,953 | 2,186 | 44.1 | 4,301 | 1,799 | 41.8 | 245 | 136 | 55.5 | 407 | 252 | 61.9 | 1,785 | 1,218 | 68.3 | $35,000 to $39,999.............| 4,611 | 1,853 | 40.2 | 4,158 | 1,615 | 38.8 | 149 | 96 | 64.8 | 303 | 142 | 46.7 | 1,161 | 704 | 60.6 | $40,000 to $44,999.............| 3,859 | 1,398 | 36.2 | 3,640 | 1,321 | 36.3 | 80 | 30 | 38.2 | 139 | 47 | 33.9 | 776 | 449 | 57.9 | $45,000 to $49,999.............| 3,390 | 1,033 | 30.5 | 3,173 | 971 | 30.6 | 91 | 22 | 24.3 | 125 | 39 | 31.2 | 528 | 260 | 49.3 | $50,000 to $59,999.............| 4,724 | 1,368 | 29.0 | 4,464 | 1,260 | 28.2 | 105 | 43 | 40.5 | 155 | 66 | 42.2 | 637 | 223 | 35.1 | $60,000 or more................| 9,221 | 1,389 | 15.1 | 9,048 | 1,349 | 14.9 | 111 | 30 | 26.8 | 62 | 11 | 17.2 | 780 | 215 | 27.6 | Median...................| $26,600 | $17,900 | (X) | $32,500 | $24,100 | (X) | $18,100 | $13,800 | (X) | $9,700 | $7,800 | (X) | $13,100 | $11,800 | (X) | | | | | | | | | | | | | | | | | Current owners...........| 49,881 | 17,742 | 35.6 | 41,875 | 12,591 | 30.1 | 1,804 | 967 | 53.6 | 6,202 | 4,185 | 67.5 | 16,311 | 9,291 | 57.0 | No income or loss..............| 1,376 | 1,159 | 84.3 | 515 | 377 | 73.2 | 141 | 117 | 82.8 | 720 | 666 | 92.5 | 1,044 | 933 | 89.4 | $1 to $4,999...................| 1,280 | 1,032 | 80.6 | 464 | 328 | 70.7 | 76 | 71 | 93.3 | 740 | 633 | 85.6 | 1,453 | 1,157 | 79.6 | $5,000 to $9,999...............| 2,873 | 1,905 | 66.3 | 1,585 | 950 | 59.9 | 244 | 162 | 66.5 | 1,043 | 793 | 76.0 | 3,927 | 2,423 | 61.7 | $10,000 to $14,999.............| 4,392 | 2,499 | 56.9 | 3,149 | 1,596 | 50.7 | 215 | 148 | 69.1 | 1,029 | 754 | 73.3 | 2,733 | 1,519 | 55.6 | $15,000 to $19,999.............| 5,111 | 2,340 | 45.8 | 4,047 | 1,660 | 41.0 | 180 | 102 | 56.4 | 884 | 579 | 65.4 | 1,767 | 952 | 53.9 | $20,000 to $24,999.............| 4,963 | 1,898 | 38.2 | 4,212 | 1,496 | 35.5 | 188 | 97 | 51.7 | 563 | 304 | 54.1 | 1,347 | 706 | 52.4 | $25,000 to $29,999.............| 4,046 | 1,527 | 37.7 | 3,474 | 1,231 | 35.4 | 170 | 73 | 43.3 | 402 | 223 | 55.5 | 1,040 | 530 | 50.9 | $30,000 to $34,999.............| 3,712 | 1,102 | 29.7 | 3,290 | 919 | 27.9 | 173 | 69 | 40.1 | 249 | 114 | 45.6 | 808 | 386 | 47.8 | $35,000 to $39,999.............| 3,749 | 1,118 | 29.8 | 3,452 | 1,026 | 29.7 | 100 | 51 | 50.7 | 196 | 41 | 20.8 | 579 | 267 | 46.1 | $40,000 to $44,999.............| 3,101 | 783 | 25.3 | 2,916 | 727 | 24.9 | 68 | 19 | 27.8 | 117 | 37 | 31.9 | 405 | 166 | 41.0 | $45,000 to $49,999.............| 2,846 | 621 | 21.8 | 2,664 | 584 | 21.9 | 72 | 11 | 14.7 | 110 | 26 | 23.6 | 297 | 89 | 29.8 | $50,000 to $59,999.............| 4,000 | 803 | 20.1 | 3,815 | 759 | 19.9 | 91 | 32 | 35.2 | 94 | 12 | 12.5 | 424 | 96 | 22.6 | $60,000 or more................| 8,433 | 955 | 11.3 | 8,293 | 937 | 11.3 | 86 | 15 | 17.5 | 54 | 3 | 5.4 | 485 | 67 | 13.8 | Median...................| $31,200 | $19,900 | (X) | $35,300 | $24,600 | (X) | $21,200 | $14,500 | (X) | $12,900 | $10,000 | (X) | $13,200 | $10,400 | (X) | | | | | | | | | | | | | | | | | Current renters..........| 19,662 | 17,926 | 91.2 | 11,373 | 9,859 | 86.7 | 1,007 | 937 | 93.1 | 7,282 | 7,130 | 97.9 | 19,699 | 18,142 | 92.1 | No income or loss..............| 2,787 | 2,775 | 99.6 | 436 | 429 | 98.2 | 157 | 152 | 97.2 | 2,194 | 2,194 | 100.0 | 2,067 | 2,041 | 98.8 | $1 to $4,999...................| 1,707 | 1,696 | 99.4 | 457 | 453 | 99.1 | 78 | 78 | 100.0 | 1,172 | 1,165 | 99.4 | 1,988 | 1,935 | 97.3 | $5,000 to $9,999...............| 1,983 | 1,960 | 98.8 | 812 | 794 | 97.7 | 170 | 170 | 100.0 | 1,001 | 996 | 99.5 | 3,817 | 3,622 | 94.9 | $10,000 to $14,999.............| 2,370 | 2,232 | 94.2 | 1,291 | 1,164 | 90.2 | 125 | 116 | 92.7 | 955 | 951 | 99.7 | 3,164 | 2,990 | 94.5 | $15,000 to $19,999.............| 2,171 | 2,071 | 95.4 | 1,312 | 1,236 | 94.2 | 141 | 134 | 95.5 | 719 | 700 | 97.5 | 2,798 | 2,629 | 94.0 | $20,000 to $24,999.............| 1,909 | 1,754 | 91.9 | 1,331 | 1,208 | 90.7 | 83 | 76 | 91.2 | 494 | 470 | 95.2 | 2,063 | 1,932 | 93.6 | $25,000 to $29,999.............| 1,819 | 1,592 | 87.5 | 1,380 | 1,213 | 87.9 | 61 | 49 | 80.0 | 378 | 330 | 87.3 | 1,133 | 994 | 87.8 | $30,000 to $34,999.............| 1,241 | 1,084 | 87.4 | 1,011 | 880 | 87.0 | 72 | 66 | 92.1 | 158 | 138 | 87.4 | 977 | 832 | 85.2 | $35,000 to $39,999.............| 862 | 734 | 85.2 | 706 | 588 | 83.2 | 49 | 46 | 94.0 | 107 | 101 | 94.3 | 582 | 436 | 75.0 | $40,000 to $44,999.............| 758 | 615 | 81.2 | 724 | 594 | 82.0 | 11 | 11 | 100.0 | 22 | 10 | 44.7 | 371 | 283 | 76.3 | $45,000 to $49,999.............| 544 | 412 | 75.8 | 509 | 387 | 76.1 | 19 | 12 | 60.4 | 15 | 13 | 85.5 | 230 | 171 | 74.5 | $50,000 to $59,999.............| 724 | 565 | 78.1 | 649 | 501 | 77.2 | 14 | 11 | 74.4 | 61 | 54 | 88.2 | 213 | 127 | 59.8 | $60,000 or more................| 788 | 434 | 55.1 | 755 | 412 | 54.5 | 25 | 15 | 58.7 | 8 | 8 | 100.0 | 295 | 148 | 50.2 | Median...................| $17,300 | $15,700 | (X) | $25,200 | $23,500 | (X) | $13,900 | $13,000 | (X) | $6,400 | $6,000 | (X) | $13,100 | $12,500 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | USING FHA, FIXED-RATE, 30-YEAR | | | | | | | | | | | | | | | | FINANCING | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total....................| 69,543 | 34,362 | 49.4 | 53,249 | 21,256 | 39.9 | 2,810 | 1,874 | 66.7 | 13,484 | 11,232 | 83.3 | 36,010 | 27,173 | 75.5 | No income or loss..............| 4,163 | 3,930 | 94.4 | 951 | 801 | 84.2 | 298 | 269 | 90.4 | 2,914 | 2,859 | 98.1 | 3,111 | 2,971 | 95.5 | $1 to $4,999...................| 2,987 | 2,724 | 91.2 | 921 | 777 | 84.3 | 154 | 149 | 96.7 | 1,911 | 1,798 | 94.1 | 3,441 | 3,078 | 89.5 | $5,000 to $9,999...............| 4,856 | 3,857 | 79.4 | 2,397 | 1,744 | 72.7 | 414 | 329 | 79.3 | 2,044 | 1,784 | 87.3 | 7,745 | 6,014 | 77.7 | $10,000 to $14,999.............| 6,762 | 4,685 | 69.3 | 4,440 | 2,731 | 61.5 | 340 | 259 | 76.4 | 1,983 | 1,694 | 85.4 | 5,898 | 4,487 | 76.1 | $15,000 to $19,999.............| 7,282 | 4,371 | 60.0 | 5,358 | 2,858 | 53.3 | 321 | 236 | 73.6 | 1,603 | 1,277 | 79.7 | 4,565 | 3,564 | 78.1 | $20,000 to $24,999.............| 6,871 | 3,554 | 51.7 | 5,543 | 2,619 | 47.2 | 272 | 173 | 63.8 | 1,056 | 762 | 72.1 | 3,411 | 2,619 | 76.8 | $25,000 to $29,999.............| 5,865 | 2,959 | 50.5 | 4,854 | 2,298 | 47.3 | 231 | 122 | 53.0 | 780 | 538 | 69.0 | 2,173 | 1,485 | 68.3 | $30,000 to $34,999.............| 4,953 | 2,024 | 40.9 | 4,301 | 1,647 | 38.3 | 245 | 132 | 54.0 | 407 | 245 | 60.2 | 1,785 | 1,189 | 66.6 | $35,000 to $39,999.............| 4,611 | 1,667 | 36.2 | 4,158 | 1,445 | 34.8 | 149 | 89 | 59.6 | 303 | 134 | 44.0 | 1,161 | 640 | 55.1 | $40,000 to $44,999.............| 3,859 | 1,212 | 31.4 | 3,640 | 1,153 | 31.7 | 80 | 20 | 24.5 | 139 | 40 | 28.7 | 776 | 428 | 55.2 | $45,000 to $49,999.............| 3,390 | 877 | 25.9 | 3,173 | 829 | 26.1 | 91 | 22 | 24.3 | 125 | 26 | 20.7 | 528 | 252 | 47.7 | $50,000 to $59,999.............| 4,724 | 1,216 | 25.7 | 4,464 | 1,111 | 24.9 | 105 | 39 | 36.8 | 155 | 66 | 42.2 | 637 | 211 | 33.2 | $60,000 or more................| 9,221 | 1,286 | 14.0 | 9,048 | 1,243 | 13.7 | 111 | 35 | 31.4 | 62 | 8 | 13.8 | 780 | 235 | 30.1 | Median...................| $26,600 | $17,300 | (X) | $32,500 | $23,300 | (X) | $18,100 | $13,700 | (X) | $9,700 | $7,700 | (X) | $13,100 | $11,700 | (X) | | | | | | | | | | | | | | | | | Current owners...........| 49,881 | 16,724 | 33.5 | 41,875 | 11,667 | 27.9 | 1,804 | 937 | 52.0 | 6,202 | 4,119 | 66.4 | 16,311 | 9,141 | 56.0 | No income or loss..............| 1,376 | 1,155 | 84.0 | 515 | 372 | 72.3 | 141 | 117 | 82.8 | 720 | 666 | 92.5 | 1,044 | 930 | 89.0 | $1 to $4,999...................| 1,280 | 1,028 | 80.3 | 464 | 324 | 69.8 | 76 | 71 | 93.3 | 740 | 633 | 85.6 | 1,453 | 1,143 | 78.7 | $5,000 to $9,999...............| 2,873 | 1,896 | 66.0 | 1,585 | 950 | 59.9 | 244 | 158 | 64.9 | 1,043 | 788 | 75.5 | 3,927 | 2,392 | 60.9 | $10,000 to $14,999.............| 4,392 | 2,457 | 55.9 | 3,149 | 1,570 | 49.9 | 215 | 144 | 66.9 | 1,029 | 743 | 72.2 | 2,733 | 1,503 | 55.0 | $15,000 to $19,999.............| 5,111 | 2,301 | 45.0 | 4,047 | 1,622 | 40.1 | 180 | 102 | 56.4 | 884 | 576 | 65.2 | 1,767 | 940 | 53.2 | $20,000 to $24,999.............| 4,963 | 1,822 | 36.7 | 4,212 | 1,430 | 34.0 | 188 | 97 | 51.7 | 563 | 294 | 52.2 | 1,347 | 693 | 51.5 | $25,000 to $29,999.............| 4,046 | 1,411 | 34.9 | 3,474 | 1,120 | 32.2 | 170 | 73 | 43.3 | 402 | 218 | 54.1 | 1,040 | 514 | 49.4 | $30,000 to $34,999.............| 3,712 | 976 | 26.3 | 3,290 | 803 | 24.4 | 173 | 66 | 38.0 | 249 | 107 | 42.9 | 808 | 366 | 45.3 | $35,000 to $39,999.............| 3,749 | 958 | 25.6 | 3,452 | 879 | 25.5 | 100 | 43 | 42.9 | 196 | 37 | 18.6 | 579 | 244 | 42.1 | $40,000 to $44,999.............| 3,101 | 652 | 21.0 | 2,916 | 614 | 21.0 | 68 | 8 | 11.9 | 117 | 30 | 25.8 | 405 | 159 | 39.4 | $45,000 to $49,999.............| 2,846 | 498 | 17.5 | 2,664 | 474 | 17.8 | 72 | 11 | 14.7 | 110 | 13 | 11.6 | 297 | 83 | 27.8 | $50,000 to $59,999.............| 4,000 | 685 | 17.1 | 3,815 | 646 | 16.9 | 91 | 28 | 30.8 | 94 | 12 | 12.5 | 424 | 82 | 19.4 | $60,000 or more................| 8,433 | 886 | 10.5 | 8,293 | 863 | 10.4 | 86 | 20 | 23.5 | 54 | 3 | 5.4 | 485 | 91 | 18.8 | Median...................| $31,200 | $19,000 | (X) | $35,300 | $23,500 | (X) | $21,200 | $14,300 | (X) | $12,900 | $9,800 | (X) | $13,200 | $10,400 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current renters..........| 19,662 | 17,639 | 89.7 | 11,373 | 9,589 | 84.3 | 1,007 | 937 | 93.1 | 7,282 | 7,113 | 97.7 | 19,699 | 18,032 | 91.5 | No income or loss..............| 2,787 | 2,775 | 99.6 | 436 | 429 | 98.2 | 157 | 152 | 97.2 | 2,194 | 2,194 | 100.0 | 2,067 | 2,041 | 98.8 | $1 to $4,999...................| 1,707 | 1,696 | 99.4 | 457 | 453 | 99.1 | 78 | 78 | 100.0 | 1,172 | 1,165 | 99.4 | 1,988 | 1,935 | 97.3 | $5,000 to $9,999...............| 1,983 | 1,960 | 98.8 | 812 | 794 | 97.7 | 170 | 170 | 100.0 | 1,001 | 996 | 99.5 | 3,817 | 3,622 | 94.9 | $10,000 to $14,999.............| 2,370 | 2,228 | 94.0 | 1,291 | 1,160 | 89.9 | 125 | 116 | 92.7 | 955 | 951 | 99.7 | 3,164 | 2,985 | 94.3 | $15,000 to $19,999.............| 2,171 | 2,071 | 95.4 | 1,312 | 1,236 | 94.2 | 141 | 134 | 95.5 | 719 | 700 | 97.5 | 2,798 | 2,624 | 93.8 | $20,000 to $24,999.............| 1,909 | 1,732 | 90.8 | 1,331 | 1,189 | 89.3 | 83 | 76 | 91.2 | 494 | 468 | 94.8 | 2,063 | 1,926 | 93.3 | $25,000 to $29,999.............| 1,819 | 1,549 | 85.1 | 1,380 | 1,179 | 85.4 | 61 | 49 | 80.0 | 378 | 321 | 84.9 | 1,133 | 971 | 85.7 | $30,000 to $34,999.............| 1,241 | 1,049 | 84.5 | 1,011 | 844 | 83.5 | 72 | 66 | 92.1 | 158 | 138 | 87.4 | 977 | 824 | 84.3 | $35,000 to $39,999.............| 862 | 709 | 82.3 | 706 | 567 | 80.2 | 49 | 46 | 94.0 | 107 | 97 | 90.7 | 582 | 396 | 68.1 | $40,000 to $44,999.............| 758 | 560 | 73.9 | 724 | 539 | 74.4 | 11 | 11 | 100.0 | 22 | 10 | 44.7 | 371 | 269 | 72.4 | $45,000 to $49,999.............| 544 | 379 | 69.8 | 509 | 355 | 69.6 | 19 | 12 | 60.4 | 15 | 13 | 85.5 | 230 | 169 | 73.4 | $50,000 to $59,999.............| 724 | 530 | 73.2 | 649 | 466 | 71.8 | 14 | 11 | 74.4 | 61 | 54 | 88.2 | 213 | 129 | 60.6 | $60,000 or more................| 788 | 401 | 50.8 | 755 | 380 | 50.4 | 25 | 15 | 58.7 | 8 | 6 | 72.3 | 295 | 144 | 48.7 | Median...................| $17,300 | $15,400 | (X) | $25,200 | $23,000 | (X) | $13,900 | $13,000 | (X) | $6,400 | $6,000 | (X) | $13,100 | $12,400 | (X) | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------