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, 1991 (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...........................| 105,553 | 53,456 | 50.6 | 66,192 | 19,065 | 28.8 | 39,361 | 34,391 | 87.4 | Families..............................| 69,543 | 29,461 | 42.4 | 49,881 | 12,374 | 24.8 | 19,662 | 17,087 | 86.9 | Married-couple families.............| 53,249 | 17,583 | 33.0 | 41,875 | 8,454 | 20.2 | 11,373 | 9,129 | 80.3 | With children under 18 years......| 24,653 | 10,699 | 43.4 | 18,094 | 5,021 | 27.7 | 6,559 | 5,678 | 86.6 | With no children under 18 years...| 28,595 | 6,884 | 24.1 | 23,781 | 3,433 | 14.4 | 4,814 | 3,451 | 71.7 | Male householder, no wife present...| 2,810 | 1,616 | 57.5 | 1,804 | 694 | 38.5 | 1,007 | 922 | 91.6 | With children under 18 years......| 1,183 | 792 | 67.0 | 741 | 381 | 51.4 | 441 | 411 | 93.1 | With no children under 18 years...| 1,628 | 824 | 50.6 | 1,062 | 313 | 29.5 | 565 | 511 | 90.4 | Female householder, no husb. present| 13,484 | 10,262 | 76.1 | 6,202 | 3,226 | 52.0 | 7,282 | 7,036 | 96.6 | With children under 18 years......| 9,029 | 7,844 | 86.9 | 3,209 | 2,165 | 67.5 | 5,819 | 5,678 | 97.6 | With no children under 18 years...| 4,455 | 2,418 | 54.3 | 2,993 | 1,061 | 35.4 | 1,463 | 1,358 | 92.8 | Unrelated individuals.................| 36,010 | 23,994 | 66.6 | 16,311 | 6,691 | 41.0 | 19,699 | 17,304 | 87.8 | Male................................| 17,121 | 12,280 | 71.7 | 7,074 | 3,336 | 47.2 | 10,047 | 8,944 | 89.0 | Female..............................| 18,889 | 11,714 | 62.0 | 9,237 | 3,354 | 36.3 | 9,652 | 8,360 | 86.6 | | | | | | | | | | | | | | | | | | | | | Using FHA, Fixed-Rate, 30-Year | | | | | | | | | | Financing | | | | | | | | | | Total...........................| 105,553 | 50,625 | 48.0 | 66,192 | 17,221 | 26.0 | 39,361 | 33,404 | 84.9 | Families..............................| 69,543 | 27,301 | 39.3 | 49,881 | 10,781 | 21.6 | 19,662 | 16,520 | 84.0 | Married-couple families.............| 53,249 | 15,643 | 29.4 | 41,875 | 7,019 | 16.8 | 11,373 | 8,624 | 75.8 | With children under 18 years......| 24,653 | 9,565 | 38.8 | 18,094 | 4,143 | 22.9 | 6,559 | 5,423 | 82.7 | With no children under 18 years...| 28,595 | 6,077 | 21.3 | 23,781 | 2,876 | 12.1 | 4,814 | 3,201 | 66.5 | Male householder, no wife present...| 2,810 | 1,572 | 55.9 | 1,804 | 663 | 36.8 | 1,007 | 909 | 90.3 | With children under 18 years......| 1,183 | 773 | 65.4 | 741 | 368 | 49.6 | 441 | 405 | 91.8 | With no children under 18 years...| 1,628 | 799 | 49.1 | 1,062 | 295 | 27.8 | 565 | 503 | 89.0 | Female householder, no husb. present| 13,484 | 10,087 | 74.8 | 6,202 | 3,099 | 50.0 | 7,282 | 6,988 | 96.0 | With children under 18 years......| 9,029 | 7,726 | 85.6 | 3,209 | 2,080 | 64.8 | 5,819 | 5,646 | 97.0 | With no children under 18 years...| 4,455 | 2,360 | 53.0 | 2,993 | 1,019 | 34.0 | 1,463 | 1,342 | 91.7 | Unrelated individuals.................| 36,010 | 23,324 | 64.8 | 16,311 | 6,440 | 39.5 | 19,699 | 16,884 | 85.7 | Male................................| 17,121 | 11,865 | 69.3 | 7,074 | 3,198 | 45.2 | 10,047 | 8,667 | 86.3 | Female..............................| 18,889 | 11,459 | 60.7 | 9,237 | 3,243 | 35.1 | 9,652 | 8,217 | 85.1 | | | | | | | | | | | | | | | | | | | | | NORTHEAST | | | | | | | | | | | | | | | | | | | | Using Conventional, Fixed-Rate, | | | | | | | | | | 30-Year Financing | | | | | | | | | | Total...........................| 21,081 | 10,328 | 49.0 | 12,860 | 3,049 | 23.7 | 8,221 | 7,279 | 88.5 | Families..............................| 13,726 | 5,256 | 38.3 | 9,884 | 1,881 | 19.0 | 3,842 | 3,375 | 87.9 | Married-couple families.............| 10,349 | 2,899 | 28.0 | 8,290 | 1,251 | 15.1 | 2,059 | 1,648 | 80.0 | With children under 18 years......| 4,725 | 1,646 | 34.8 | 3,625 | 697 | 19.2 | 1,100 | 949 | 86.2 | With no children under 18 years...| 5,624 | 1,253 | 22.3 | 4,665 | 554 | 11.9 | 959 | 699 | 72.9 | Male householder, no wife present...| 614 | 327 | 53.4 | 385 | 117 | 30.4 | 228 | 210 | 92.0 | With children under 18 years......| 184 | 122 | 66.2 | 116 | 54 | 46.5 | 68 | 68 | 100.0 | With no children under 18 years...| 429 | 206 | 47.9 | 269 | 63 | 23.5 | 161 | 142 | 88.7 | Female householder, no husb. present| 2,763 | 2,030 | 73.5 | 1,209 | 513 | 42.4 | 1,554 | 1,517 | 97.6 | With children under 18 years......| 1,606 | 1,408 | 87.7 | 477 | 293 | 61.4 | 1,129 | 1,116 | 98.9 | With no children under 18 years...| 1,157 | 621 | 53.7 | 732 | 220 | 30.1 | 425 | 401 | 94.3 | Unrelated individuals.................| 7,355 | 5,072 | 69.0 | 2,976 | 1,168 | 39.2 | 4,379 | 3,904 | 89.2 | Male................................| 3,291 | 2,396 | 72.8 | 1,200 | 493 | 41.1 | 2,091 | 1,903 | 91.0 | Female..............................| 4,064 | 2,676 | 65.8 | 1,776 | 674 | 38.0 | 2,288 | 2,002 | 87.5 | | | | | | | | | | | | | | | | | | | | | Using FHA, Fixed-Rate, 30-Year | | | | | | | | | | Financing | | | | | | | | | | Total...........................| 21,081 | 10,009 | 47.5 | 12,860 | 2,890 | 22.5 | 8,221 | 7,118 | 86.6 | Families..............................| 13,726 | 5,015 | 36.5 | 9,884 | 1,750 | 17.7 | 3,842 | 3,265 | 85.0 | Married-couple families.............| 10,349 | 2,675 | 25.9 | 8,290 | 1,125 | 13.6 | 2,059 | 1,550 | 75.3 | With children under 18 years......| 4,725 | 1,552 | 32.8 | 3,625 | 624 | 17.2 | 1,100 | 928 | 84.4 | With no children under 18 years...| 5,624 | 1,123 | 20.0 | 4,665 | 501 | 10.7 | 959 | 622 | 64.9 | Male householder, no wife present...| 614 | 321 | 52.4 | 385 | 117 | 30.4 | 228 | 204 | 89.4 | With children under 18 years......| 184 | 122 | 66.2 | 116 | 54 | 46.5 | 68 | 68 | 100.0 | With no children under 18 years...| 429 | 200 | 46.5 | 269 | 63 | 23.5 | 161 | 136 | 84.9 | Female householder, no husb. present| 2,763 | 2,018 | 73.0 | 1,209 | 508 | 42.0 | 1,554 | 1,510 | 97.2 | With children under 18 years......| 1,606 | 1,397 | 87.0 | 477 | 288 | 60.3 | 1,129 | 1,109 | 98.3 | With no children under 18 years...| 1,157 | 621 | 53.7 | 732 | 220 | 30.1 | 425 | 401 | 94.3 | Unrelated individuals.................| 7,355 | 4,994 | 67.9 | 2,976 | 1,140 | 38.3 | 4,379 | 3,854 | 88.0 | Male................................| 3,291 | 2,354 | 71.5 | 1,200 | 480 | 40.0 | 2,091 | 1,874 | 89.6 | Female..............................| 4,064 | 2,640 | 65.0 | 1,776 | 660 | 37.2 | 2,288 | 1,980 | 86.5 | | | | | | | | | | | | | | | | | | | | | MIDWEST | | | | | | | | | | | | | | | | | | | | Using Conventional, Fixed-Rate, | | | | | | | | | | 30-Year Financing | | | | | | | | | | Total...........................| 26,962 | 12,433 | 46.1 | 17,900 | 4,890 | 27.3 | 9,061 | 7,543 | 83.2 | Families..............................| 17,629 | 6,581 | 37.3 | 13,434 | 3,094 | 23.0 | 4,195 | 3,487 | 83.1 | Married-couple families.............| 13,825 | 3,921 | 28.4 | 11,420 | 2,097 | 18.4 | 2,406 | 1,824 | 75.8 | With children under 18 years......| 6,056 | 2,425 | 40.0 | 4,670 | 1,243 | 26.6 | 1,386 | 1,182 | 85.3 | With no children under 18 years...| 7,769 | 1,497 | 19.3 | 6,750 | 854 | 12.7 | 1,020 | 643 | 63.0 | Male householder, no wife present...| 696 | 335 | 48.2 | 499 | 176 | 35.3 | 197 | 159 | 80.8 | With children under 18 years......| 265 | 170 | 64.4 | 184 | 103 | 55.7 | 81 | 68 | 84.1 | With no children under 18 years...| 431 | 165 | 38.3 | 315 | 74 | 23.4 | 116 | 91 | 78.5 | Female householder, no husb. present| 3,108 | 2,325 | 74.8 | 1,515 | 821 | 54.2 | 1,592 | 1,503 | 94.4 | With children under 18 years......| 2,178 | 1,881 | 86.4 | 867 | 632 | 72.8 | 1,311 | 1,250 | 95.3 | With no children under 18 years...| 929 | 443 | 47.7 | 648 | 190 | 29.3 | 281 | 253 | 90.1 | Unrelated individuals.................| 9,332 | 5,852 | 62.7 | 4,466 | 1,796 | 40.2 | 4,866 | 4,056 | 83.4 | Male................................| 4,389 | 2,946 | 67.1 | 1,974 | 926 | 46.9 | 2,415 | 2,021 | 83.7 | Female..............................| 4,943 | 2,906 | 58.8 | 2,492 | 870 | 34.9 | 2,451 | 2,035 | 83.1 | | | | | | | | | | | | | | | | | | | | | Using FHA, Fixed-Rate, 30-Year | | | | | | | | | | Financing | | | | | | | | | | Total...........................| 26,962 | 11,639 | 43.2 | 17,900 | 4,358 | 24.3 | 9,061 | 7,281 | 80.3 | Families..............................| 17,629 | 5,959 | 33.8 | 13,434 | 2,620 | 19.5 | 4,195 | 3,339 | 79.6 | Married-couple families.............| 13,825 | 3,368 | 24.4 | 11,420 | 1,677 | 14.7 | 2,406 | 1,691 | 70.3 | With children under 18 years......| 6,056 | 2,149 | 35.5 | 4,670 | 1,033 | 22.1 | 1,386 | 1,115 | 80.5 | With no children under 18 years...| 7,769 | 1,219 | 15.7 | 6,750 | 644 | 9.5 | 1,020 | 576 | 56.5 | Male householder, no wife present...| 696 | 313 | 44.9 | 499 | 155 | 31.0 | 197 | 158 | 80.1 | With children under 18 years......| 265 | 162 | 61.0 | 184 | 94 | 50.9 | 81 | 68 | 84.1 | With no children under 18 years...| 431 | 151 | 35.0 | 315 | 61 | 19.4 | 116 | 90 | 77.3 | Female householder, no husb. present| 3,108 | 2,278 | 73.3 | 1,515 | 788 | 52.0 | 1,592 | 1,490 | 93.6 | With children under 18 years......| 2,178 | 1,850 | 84.9 | 867 | 605 | 69.8 | 1,311 | 1,245 | 95.0 | With no children under 18 years...| 929 | 428 | 46.1 | 648 | 182 | 28.2 | 281 | 246 | 87.3 | Unrelated individuals.................| 9,332 | 5,680 | 60.9 | 4,466 | 1,739 | 38.9 | 4,866 | 3,941 | 81.0 | Male................................| 4,389 | 2,842 | 64.8 | 1,974 | 901 | 45.6 | 2,415 | 1,941 | 80.4 | Female..............................| 4,943 | 2,838 | 57.4 | 2,492 | 838 | 33.6 | 2,451 | 2,000 | 81.6 | | | | | | | | | | | | | | | | | | | | | SOUTH | | | | | | | | | | | | | | | | | | | | Using Conventional, Fixed-Rate, | | | | | | | | | | 30-Year Financing | | | | | | | | | | | | | | | | | | | | Total...........................| 35,243 | 18,139 | 51.5 | 22,818 | 7,192 | 31.5 | 12,424 | 10,947 | 88.1 | Families..............................| 24,292 | 11,096 | 45.7 | 17,478 | 5,034 | 28.8 | 6,814 | 6,062 | 89.0 | Married-couple families.............| 18,282 | 6,558 | 35.9 | 14,460 | 3,415 | 23.6 | 3,822 | 3,143 | 82.2 | With children under 18 years......| 8,704 | 4,039 | 46.4 | 6,468 | 2,092 | 32.3 | 2,235 | 1,946 | 87.1 | With no children under 18 years...| 9,578 | 2,520 | 26.3 | 7,991 | 1,323 | 16.6 | 1,587 | 1,197 | 75.4 | Male householder, no wife present...| 830 | 542 | 65.3 | 530 | 247 | 46.6 | 300 | 295 | 98.4 | With children under 18 years......| 411 | 292 | 71.0 | 251 | 135 | 53.5 | 159 | 157 | 98.4 | With no children under 18 years...| 419 | 250 | 59.7 | 279 | 112 | 40.3 | 140 | 138 | 98.4 | Female householder, no husb. present| 5,179 | 3,996 | 77.2 | 2,488 | 1,372 | 55.1 | 2,692 | 2,624 | 97.5 | With children under 18 years......| 3,457 | 2,962 | 85.7 | 1,309 | 853 | 65.1 | 2,147 | 2,109 | 98.2 | With no children under 18 years...| 1,723 | 1,034 | 60.0 | 1,178 | 519 | 44.0 | 544 | 515 | 94.6 | Unrelated individuals.................| 10,951 | 7,042 | 64.3 | 5,341 | 2,158 | 40.4 | 5,610 | 4,885 | 87.1 | Male................................| 4,958 | 3,570 | 72.0 | 2,168 | 1,107 | 51.1 | 2,790 | 2,463 | 88.3 | Female..............................| 5,993 | 3,473 | 57.9 | 3,173 | 1,051 | 33.1 | 2,820 | 2,422 | 85.9 | | | | | | | | | | | | | | | | | | | | | Using FHA, Fixed-Rate, 30-Year | | | | | | | | | | Financing | | | | | | | | | | Total...........................| 35,243 | 16,871 | 47.9 | 22,818 | 6,337 | 27.8 | 12,424 | 10,534 | 84.8 | Families..............................| 24,292 | 10,131 | 41.7 | 17,478 | 4,290 | 24.5 | 6,814 | 5,841 | 85.7 | Married-couple families.............| 18,282 | 5,715 | 31.3 | 14,460 | 2,765 | 19.1 | 3,822 | 2,950 | 77.2 | With children under 18 years......| 8,704 | 3,496 | 40.2 | 6,468 | 1,653 | 25.5 | 2,235 | 1,843 | 82.5 | With no children under 18 years...| 9,578 | 2,219 | 23.2 | 7,991 | 1,112 | 13.9 | 1,587 | 1,107 | 69.7 | Male householder, no wife present...| 830 | 531 | 63.9 | 530 | 237 | 44.8 | 300 | 293 | 97.8 | With children under 18 years......| 411 | 285 | 69.4 | 251 | 130 | 51.8 | 159 | 155 | 97.2 | With no children under 18 years...| 419 | 245 | 58.5 | 279 | 107 | 38.4 | 140 | 138 | 98.4 | Female householder, no husb. present| 5,179 | 3,885 | 75.0 | 2,488 | 1,287 | 51.8 | 2,692 | 2,598 | 96.5 | With children under 18 years......| 3,457 | 2,890 | 83.6 | 1,309 | 799 | 61.1 | 2,147 | 2,091 | 97.4 | With no children under 18 years...| 1,723 | 995 | 57.8 | 1,178 | 488 | 41.4 | 544 | 507 | 93.2 | Unrelated individuals.................| 10,951 | 6,741 | 61.6 | 5,341 | 2,048 | 38.3 | 5,610 | 4,693 | 83.6 | Male................................| 4,958 | 3,383 | 68.2 | 2,168 | 1,037 | 47.9 | 2,790 | 2,346 | 84.1 | Female..............................| 5,993 | 3,357 | 56.0 | 3,173 | 1,010 | 31.8 | 2,820 | 2,347 | 83.2 | | | | | | | | | | | | | | | | | | | | | WEST | | | | | | | | | | Using Conventional, Fixed-Rate, | | | | | | | | | | 30-Year Financing | | | | | | | | | | Total...........................| 22,268 | 12,555 | 56.4 | 12,613 | 3,934 | 31.2 | 9,655 | 8,622 | 89.3 | Families..............................| 13,897 | 6,528 | 47.0 | 9,085 | 2,365 | 26.0 | 4,811 | 4,163 | 86.5 | Married-couple families.............| 10,792 | 4,205 | 39.0 | 7,706 | 1,691 | 21.9 | 3,086 | 2,514 | 81.5 | With children under 18 years......| 5,168 | 2,590 | 50.1 | 3,331 | 989 | 29.7 | 1,838 | 1,601 | 87.1 | With no children under 18 years...| 5,624 | 1,615 | 28.7 | 4,375 | 702 | 16.0 | 1,249 | 913 | 73.1 | Male householder, no wife present...| 670 | 411 | 61.3 | 389 | 154 | 39.5 | 281 | 257 | 91.4 | With children under 18 years......| 323 | 208 | 64.5 | 190 | 90 | 47.4 | 133 | 118 | 88.7 | With no children under 18 years...| 348 | 203 | 58.4 | 199 | 64 | 32.1 | 148 | 139 | 93.9 | Female householder, no husb. present| 2,434 | 1,912 | 78.5 | 990 | 520 | 52.5 | 1,444 | 1,392 | 96.4 | With children under 18 years......| 1,788 | 1,592 | 89.0 | 556 | 388 | 69.8 | 1,232 | 1,204 | 97.7 | With no children under 18 years...| 646 | 320 | 49.5 | 435 | 132 | 30.4 | 212 | 188 | 88.8 | Unrelated individuals.................| 8,372 | 6,028 | 72.0 | 3,528 | 1,569 | 44.5 | 4,844 | 4,459 | 92.0 | Male................................| 4,483 | 3,368 | 75.1 | 1,732 | 810 | 46.8 | 2,750 | 2,558 | 93.0 | Female..............................| 3,889 | 2,660 | 68.4 | 1,796 | 759 | 42.2 | 2,093 | 1,901 | 90.8 | | | | | | | | | | | Using FHA, Fixed-Rate, 30-Year | | | | | | | | | | Financing | | | | | | | | | | Total...........................| 22,268 | 12,106 | 54.4 | 12,613 | 3,635 | 28.8 | 9,655 | 8,471 | 87.7 | Families..............................| 13,897 | 6,197 | 44.6 | 9,085 | 2,122 | 23.4 | 4,811 | 4,075 | 84.7 | Married-couple families.............| 10,792 | 3,885 | 36.0 | 7,706 | 1,452 | 18.8 | 3,086 | 2,433 | 78.8 | With children under 18 years......| 5,168 | 2,369 | 45.8 | 3,331 | 833 | 25.0 | 1,838 | 1,536 | 83.6 | With no children under 18 years...| 5,624 | 1,515 | 26.9 | 4,375 | 619 | 14.1 | 1,249 | 897 | 71.8 | Male householder, no wife present...| 670 | 407 | 60.8 | 389 | 154 | 39.5 | 281 | 254 | 90.1 | With children under 18 years......| 323 | 204 | 63.3 | 190 | 90 | 47.4 | 133 | 115 | 85.9 | With no children under 18 years...| 348 | 203 | 58.4 | 199 | 64 | 32.1 | 148 | 139 | 93.9 | Female householder, no husb. present| 2,434 | 1,905 | 78.3 | 990 | 516 | 52.1 | 1,444 | 1,389 | 96.2 | With children under 18 years......| 1,788 | 1,589 | 88.9 | 556 | 388 | 69.8 | 1,232 | 1,201 | 97.5 | With no children under 18 years...| 646 | 316 | 48.9 | 435 | 128 | 29.5 | 212 | 188 | 88.8 | Unrelated individuals.................| 8,372 | 5,909 | 70.6 | 3,528 | 1,513 | 42.9 | 4,844 | 4,396 | 90.8 | Male................................| 4,483 | 3,286 | 73.3 | 1,732 | 779 | 45.0 | 2,750 | 2,507 | 91.1 | Female..............................| 3,889 | 2,624 | 67.5 | 1,796 | 734 | 40.9 | 2,093 | 1,889 | 90.3 | | | | | | | | | | | ------------------------------------------------------------------------------------------------------------------------------------------