Table 3-4. Affordability Status of Families and Unrelated Individuals for a Modestly 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 modestly| |Cannot afford modestly| |Cannot afford modestly| |Cannot afford modestly| |Cannot afford modestly| | |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 | 29,461 | 42.4 | 53,249 | 17,583 | 33.0 | 2,810 | 1,616 | 57.5 | 13,484 | 10,262 | 76.1 | 36,010 | 23,994 | 66.6 | No income or loss..............| 4,163 | 3,828 | 92.0 | 951 | 741 | 77.9 | 298 | 253 | 85.0 | 2,914 | 2,834 | 97.3 | 3,111 | 2,866 | 92.1 | $1 to $4,999...................| 2,987 | 2,587 | 86.6 | 921 | 731 | 79.4 | 154 | 135 | 87.8 | 1,911 | 1,720 | 90.0 | 3,441 | 2,825 | 82.1 | $5,000 to $9,999...............| 4,856 | 3,312 | 68.2 | 2,397 | 1,478 | 61.7 | 414 | 278 | 67.1 | 2,044 | 1,555 | 76.1 | 7,745 | 5,212 | 67.3 | $10,000 to $14,999.............| 6,762 | 3,775 | 55.8 | 4,440 | 2,045 | 46.1 | 340 | 226 | 66.6 | 1,983 | 1,504 | 75.9 | 5,898 | 3,914 | 66.4 | $15,000 to $19,999.............| 7,282 | 3,409 | 46.8 | 5,358 | 2,095 | 39.1 | 321 | 195 | 60.6 | 1,603 | 1,119 | 69.8 | 4,565 | 3,115 | 68.2 | $20,000 to $24,999.............| 6,871 | 2,807 | 40.9 | 5,543 | 1,997 | 36.0 | 272 | 154 | 56.5 | 1,056 | 657 | 62.2 | 3,411 | 2,213 | 64.9 | $25,000 to $29,999.............| 5,865 | 2,465 | 42.0 | 4,854 | 1,912 | 39.4 | 231 | 107 | 46.3 | 780 | 446 | 57.2 | 2,173 | 1,268 | 58.3 | $30,000 to $34,999.............| 4,953 | 1,742 | 35.2 | 4,301 | 1,432 | 33.3 | 245 | 99 | 40.5 | 407 | 211 | 51.8 | 1,785 | 1,087 | 60.9 | $35,000 to $39,999.............| 4,611 | 1,368 | 29.7 | 4,158 | 1,199 | 28.8 | 149 | 68 | 45.9 | 303 | 101 | 33.2 | 1,161 | 573 | 49.4 | $40,000 to $44,999.............| 3,859 | 1,063 | 27.6 | 3,640 | 1,019 | 28.0 | 80 | 18 | 22.9 | 139 | 25 | 18.2 | 776 | 337 | 43.4 | $45,000 to $49,999.............| 3,390 | 799 | 23.6 | 3,173 | 753 | 23.7 | 91 | 17 | 18.4 | 125 | 29 | 23.4 | 528 | 221 | 41.9 | $50,000 to $59,999.............| 4,724 | 1,111 | 23.5 | 4,464 | 1,021 | 22.9 | 105 | 36 | 34.0 | 155 | 54 | 34.6 | 637 | 176 | 27.7 | $60,000 or more................| 9,221 | 1,194 | 12.9 | 9,048 | 1,158 | 12.8 | 111 | 30 | 26.8 | 62 | 6 | 9.0 | 780 | 188 | 24.1 | Median...................| $26,600 | $16,800 | (X) | $32,500 | $24,300 | (X) | $18,100 | $13,100 | (X) | $9,700 | $6,900 | (X) | $13,100 | $11,400 | (X) | | | | | | | | | | | | | | | | | Current owners...........| 49,881 | 12,374 | 24.8 | 41,875 | 8,454 | 20.2 | 1,804 | 694 | 38.5 | 6,202 | 3,226 | 52.0 | 16,311 | 6,691 | 41.0 | No income or loss..............| 1,376 | 1,057 | 76.8 | 515 | 316 | 61.4 | 141 | 101 | 71.4 | 720 | 641 | 89.0 | 1,044 | 840 | 80.4 | $1 to $4,999...................| 1,280 | 910 | 71.1 | 464 | 293 | 63.1 | 76 | 57 | 75.2 | 740 | 560 | 75.7 | 1,453 | 903 | 62.1 | $5,000 to $9,999...............| 2,873 | 1,381 | 48.1 | 1,585 | 697 | 43.9 | 244 | 108 | 44.2 | 1,043 | 576 | 55.2 | 3,927 | 1,657 | 42.2 | $10,000 to $14,999.............| 4,392 | 1,602 | 36.5 | 3,149 | 930 | 29.5 | 215 | 110 | 51.4 | 1,029 | 562 | 54.6 | 2,733 | 1,009 | 36.9 | $15,000 to $19,999.............| 5,111 | 1,443 | 28.2 | 4,047 | 953 | 23.6 | 180 | 63 | 35.2 | 884 | 427 | 48.3 | 1,767 | 655 | 37.1 | $20,000 to $24,999.............| 4,963 | 1,168 | 23.5 | 4,212 | 891 | 21.2 | 188 | 82 | 43.4 | 563 | 195 | 34.7 | 1,347 | 448 | 33.2 | $25,000 to $29,999.............| 4,046 | 949 | 23.5 | 3,474 | 761 | 21.9 | 170 | 58 | 34.1 | 402 | 131 | 32.4 | 1,040 | 373 | 35.9 | $30,000 to $34,999.............| 3,712 | 729 | 19.6 | 3,290 | 619 | 18.8 | 173 | 38 | 21.8 | 249 | 73 | 29.1 | 808 | 301 | 37.2 | $35,000 to $39,999.............| 3,749 | 696 | 18.6 | 3,452 | 649 | 18.8 | 100 | 23 | 22.6 | 196 | 24 | 12.1 | 579 | 199 | 34.4 | $40,000 to $44,999.............| 3,101 | 571 | 18.4 | 2,916 | 549 | 18.8 | 68 | 7 | 10.0 | 117 | 16 | 13.3 | 405 | 106 | 26.1 | $45,000 to $49,999.............| 2,846 | 442 | 15.5 | 2,664 | 415 | 15.6 | 72 | 8 | 11.5 | 110 | 18 | 16.6 | 297 | 62 | 20.8 | $50,000 to $59,999.............| 4,000 | 621 | 15.5 | 3,815 | 592 | 15.5 | 91 | 25 | 27.6 | 94 | 4 | 3.8 | 424 | 82 | 19.4 | $60,000 or more................| 8,433 | 805 | 9.5 | 8,293 | 790 | 9.5 | 86 | 15 | 17.5 | 54 | - | 0.0 | 485 | 56 | 11.6 | Median...................| $31,200 | $19,300 | (X) | $35,300 | $26,000 | (X) | $21,200 | $13,700 | (X) | $12,900 | $8,600 | (X) | $13,200 | $9,800 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | USING CONVENTIONAL, FIXED-RATE,| | | | | | | | | | | | | | | | 30-YEAR FINANCING - Con. | | | | | | | | | | | | | | | | Current renters..........| 19,662 | 17,087 | 86.9 | 11,373 | 9,129 | 80.3 | 1,007 | 922 | 91.6 | 7,282 | 7,036 | 96.6 | 19,699 | 17,304 | 87.8 | No income or loss..............| 2,787 | 2,771 | 99.4 | 436 | 425 | 97.3 | 157 | 152 | 97.2 | 2,194 | 2,194 | 100.0 | 2,067 | 2,026 | 98.0 | $1 to $4,999...................| 1,707 | 1,678 | 98.3 | 457 | 439 | 96.0 | 78 | 78 | 100.0 | 1,172 | 1,160 | 99.0 | 1,988 | 1,923 | 96.7 | $5,000 to $9,999...............| 1,983 | 1,931 | 97.4 | 812 | 782 | 96.3 | 170 | 170 | 100.0 | 1,001 | 979 | 97.8 | 3,817 | 3,554 | 93.1 | $10,000 to $14,999.............| 2,370 | 2,173 | 91.7 | 1,291 | 1,115 | 86.4 | 125 | 116 | 92.7 | 955 | 942 | 98.7 | 3,164 | 2,904 | 91.8 | $15,000 to $19,999.............| 2,171 | 1,965 | 90.5 | 1,312 | 1,142 | 87.1 | 141 | 131 | 93.3 | 719 | 692 | 96.3 | 2,798 | 2,460 | 87.9 | $20,000 to $24,999.............| 1,909 | 1,639 | 85.9 | 1,331 | 1,106 | 83.1 | 83 | 72 | 86.1 | 494 | 461 | 93.4 | 2,063 | 1,765 | 85.6 | $25,000 to $29,999.............| 1,819 | 1,516 | 83.3 | 1,380 | 1,151 | 83.4 | 61 | 49 | 80.0 | 378 | 316 | 83.6 | 1,133 | 894 | 79.0 | $30,000 to $34,999.............| 1,241 | 1,013 | 81.7 | 1,011 | 814 | 80.5 | 72 | 62 | 85.3 | 158 | 138 | 87.4 | 977 | 786 | 80.5 | $35,000 to $39,999.............| 862 | 672 | 77.9 | 706 | 549 | 77.7 | 49 | 46 | 94.0 | 107 | 77 | 72.1 | 582 | 374 | 64.2 | $40,000 to $44,999.............| 758 | 492 | 64.9 | 724 | 470 | 65.0 | 11 | 11 | 100.0 | 22 | 10 | 44.7 | 371 | 231 | 62.3 | $45,000 to $49,999.............| 544 | 358 | 65.8 | 509 | 338 | 66.5 | 19 | 8 | 44.4 | 15 | 11 | 71.5 | 230 | 159 | 69.1 | $50,000 to $59,999.............| 724 | 490 | 67.7 | 649 | 429 | 66.2 | 14 | 11 | 74.4 | 61 | 50 | 82.4 | 213 | 94 | 44.1 | $60,000 or more................| 788 | 389 | 49.4 | 755 | 369 | 48.8 | 25 | 15 | 58.7 | 8 | 6 | 72.3 | 295 | 132 | 44.7 | Median...................| $17,300 | $15,000 | (X) | $25,200 | $23,000 | (X) | $13,900 | $12,600 | (X) | $6,400 | $5,800 | (X) | $13,100 | $12,000 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | USING FHA, FIXED-RATE, 30-YEAR | | | | | | | | | | | | | | | | FINANCING | | | | | | | | | | | | | | | | Total....................| 69,543 | 27,301 | 39.3 | 53,249 | 15,643 | 29.4 | 2,810 | 1,572 | 55.9 | 13,484 | 10,087 | 74.8 | 36,010 | 23,324 | 64.8 | No income or loss..............| 4,163 | 3,823 | 91.8 | 951 | 741 | 77.9 | 298 | 253 | 85.0 | 2,914 | 2,829 | 97.1 | 3,111 | 2,860 | 91.9 | $1 to $4,999...................| 2,987 | 2,583 | 86.5 | 921 | 727 | 79.0 | 154 | 135 | 87.8 | 1,911 | 1,720 | 90.0 | 3,441 | 2,816 | 81.8 | $5,000 to $9,999...............| 4,856 | 3,299 | 67.9 | 2,397 | 1,465 | 61.1 | 414 | 278 | 67.1 | 2,044 | 1,555 | 76.1 | 7,745 | 5,194 | 67.1 | $10,000 to $14,999.............| 6,762 | 3,723 | 55.1 | 4,440 | 2,007 | 45.2 | 340 | 226 | 66.6 | 1,983 | 1,490 | 75.1 | 5,898 | 3,888 | 65.9 | $15,000 to $19,999.............| 7,282 | 3,291 | 45.2 | 5,358 | 2,024 | 37.8 | 321 | 193 | 60.2 | 1,603 | 1,074 | 67.0 | 4,565 | 3,053 | 66.9 | $20,000 to $24,999.............| 6,871 | 2,580 | 37.5 | 5,543 | 1,835 | 33.1 | 272 | 147 | 54.0 | 1,056 | 598 | 56.6 | 3,411 | 2,084 | 61.1 | $25,000 to $29,999.............| 5,865 | 2,222 | 37.9 | 4,854 | 1,705 | 35.1 | 231 | 99 | 42.8 | 780 | 419 | 53.7 | 2,173 | 1,140 | 52.4 | $30,000 to $34,999.............| 4,953 | 1,538 | 31.1 | 4,301 | 1,237 | 28.8 | 245 | 93 | 38.0 | 407 | 207 | 50.9 | 1,785 | 1,004 | 56.2 | $35,000 to $39,999.............| 4,611 | 1,124 | 24.4 | 4,158 | 967 | 23.3 | 149 | 57 | 38.5 | 303 | 99 | 32.6 | 1,161 | 470 | 40.5 | $40,000 to $44,999.............| 3,859 | 852 | 22.1 | 3,640 | 827 | 22.7 | 80 | 11 | 14.3 | 139 | 13 | 9.5 | 776 | 312 | 40.3 | $45,000 to $49,999.............| 3,390 | 610 | 18.0 | 3,173 | 572 | 18.0 | 91 | 17 | 18.4 | 125 | 21 | 17.0 | 528 | 200 | 37.8 | $50,000 to $59,999.............| 4,724 | 855 | 18.1 | 4,464 | 770 | 17.2 | 105 | 32 | 30.2 | 155 | 54 | 34.6 | 637 | 150 | 23.5 | $60,000 or more................| 9,221 | 801 | 8.7 | 9,048 | 766 | 8.5 | 111 | 30 | 26.8 | 62 | 6 | 9.0 | 780 | 154 | 19.8 | Median...................| $26,600 | $15,300 | (X) | $32,500 | $22,300 | (X) | $18,100 | $12,700 | (X) | $9,700 | $6,600 | (X) | $13,100 | $11,000 | (X) | | | | | | | | | | | | | | | | | Current owners...........| 49,881 | 10,781 | 21.6 | 41,875 | 7,019 | 16.8 | 1,804 | 663 | 36.8 | 6,202 | 3,099 | 50.0 | 16,311 | 6,440 | 39.5 | No income or loss..............| 1,376 | 1,052 | 76.5 | 515 | 316 | 61.4 | 141 | 101 | 71.4 | 720 | 636 | 88.3 | 1,044 | 834 | 79.9 | $1 to $4,999...................| 1,280 | 906 | 70.8 | 464 | 289 | 62.1 | 76 | 57 | 75.2 | 740 | 560 | 75.7 | 1,453 | 893 | 61.4 | $5,000 to $9,999...............| 2,873 | 1,367 | 47.6 | 1,585 | 683 | 43.1 | 244 | 108 | 44.2 | 1,043 | 576 | 55.2 | 3,927 | 1,639 | 41.7 | $10,000 to $14,999.............| 4,392 | 1,555 | 35.4 | 3,149 | 897 | 28.5 | 215 | 110 | 51.4 | 1,029 | 548 | 53.2 | 2,733 | 1,003 | 36.7 | $15,000 to $19,999.............| 5,111 | 1,343 | 26.3 | 4,047 | 890 | 22.0 | 180 | 63 | 35.2 | 884 | 390 | 44.1 | 1,767 | 626 | 35.4 | $20,000 to $24,999.............| 4,963 | 991 | 20.0 | 4,212 | 761 | 18.1 | 188 | 77 | 40.8 | 563 | 153 | 27.2 | 1,347 | 416 | 30.8 | $25,000 to $29,999.............| 4,046 | 815 | 20.1 | 3,474 | 638 | 18.4 | 170 | 53 | 31.5 | 402 | 124 | 30.8 | 1,040 | 306 | 29.4 | $30,000 to $34,999.............| 3,712 | 579 | 15.6 | 3,290 | 472 | 14.4 | 173 | 38 | 21.8 | 249 | 69 | 27.8 | 808 | 273 | 33.8 | $35,000 to $39,999.............| 3,749 | 520 | 13.9 | 3,452 | 487 | 14.1 | 100 | 12 | 11.7 | 196 | 22 | 11.0 | 579 | 178 | 30.7 | $40,000 to $44,999.............| 3,101 | 403 | 13.0 | 2,916 | 396 | 13.6 | 68 | - | 0.0 | 117 | 7 | 6.0 | 405 | 99 | 24.5 | $45,000 to $49,999.............| 2,846 | 308 | 10.8 | 2,664 | 289 | 10.8 | 72 | 8 | 11.5 | 110 | 10 | 9.4 | 297 | 52 | 17.4 | $50,000 to $59,999.............| 4,000 | 430 | 10.7 | 3,815 | 405 | 10.6 | 91 | 21 | 23.2 | 94 | 4 | 3.8 | 424 | 67 | 15.7 | $60,000 or more................| 8,433 | 512 | 6.1 | 8,293 | 497 | 6.0 | 86 | 15 | 17.5 | 54 | - | 0.0 | 485 | 56 | 11.6 | Median...................| $31,200 | $16,900 | (X) | $35,300 | $22,900 | (X) | $21,200 | $13,000 | (X) | $12,900 | $8,100 | (X) | $13,200 | $9,600 | (X) | | | | | | | | | | | | | | | | | Current renters..........| 19,662 | 16,520 | 84.0 | 11,373 | 8,624 | 75.8 | 1,007 | 909 | 90.3 | 7,282 | 6,988 | 96.0 | 19,699 | 16,884 | 85.7 | No income or loss..............| 2,787 | 2,771 | 99.4 | 436 | 425 | 97.3 | 157 | 152 | 97.2 | 2,194 | 2,194 | 100.0 | 2,067 | 2,026 | 98.0 | $1 to $4,999...................| 1,707 | 1,678 | 98.3 | 457 | 439 | 96.0 | 78 | 78 | 100.0 | 1,172 | 1,160 | 99.0 | 1,988 | 1,923 | 96.7 | $5,000 to $9,999...............| 1,983 | 1,931 | 97.4 | 812 | 782 | 96.3 | 170 | 170 | 100.0 | 1,001 | 979 | 97.8 | 3,817 | 3,554 | 93.1 | $10,000 to $14,999.............| 2,370 | 2,168 | 91.5 | 1,291 | 1,110 | 86.0 | 125 | 116 | 92.7 | 955 | 942 | 98.7 | 3,164 | 2,886 | 91.2 | $15,000 to $19,999.............| 2,171 | 1,948 | 89.7 | 1,312 | 1,134 | 86.5 | 141 | 130 | 92.3 | 719 | 684 | 95.2 | 2,798 | 2,428 | 86.8 | $20,000 to $24,999.............| 1,909 | 1,589 | 83.2 | 1,331 | 1,074 | 80.6 | 83 | 70 | 83.8 | 494 | 445 | 90.2 | 2,063 | 1,668 | 80.8 | $25,000 to $29,999.............| 1,819 | 1,407 | 77.4 | 1,380 | 1,067 | 77.3 | 61 | 45 | 73.8 | 378 | 295 | 78.0 | 1,133 | 834 | 73.6 | $30,000 to $34,999.............| 1,241 | 959 | 77.3 | 1,011 | 765 | 75.7 | 72 | 56 | 76.9 | 158 | 138 | 87.4 | 977 | 731 | 74.8 | $35,000 to $39,999.............| 862 | 604 | 70.0 | 706 | 481 | 68.1 | 49 | 46 | 94.0 | 107 | 77 | 72.1 | 582 | 292 | 50.2 | $40,000 to $44,999.............| 758 | 449 | 59.3 | 724 | 432 | 59.6 | 11 | 11 | 100.0 | 22 | 6 | 28.7 | 371 | 213 | 57.5 | $45,000 to $49,999.............| 544 | 303 | 55.7 | 509 | 283 | 55.6 | 19 | 8 | 44.4 | 15 | 11 | 71.5 | 230 | 148 | 64.2 | $50,000 to $59,999.............| 724 | 425 | 58.8 | 649 | 364 | 56.2 | 14 | 11 | 74.4 | 61 | 50 | 82.4 | 213 | 83 | 39.0 | $60,000 or more................| 788 | 288 | 36.6 | 755 | 268 | 35.5 | 25 | 15 | 58.7 | 8 | 6 | 72.3 | 295 | 98 | 33.2 | Median...................| $17,300 | $14,300 | (X) | $25,200 | $22,000 | (X) | $13,900 | $12,300 | (X) | $6,400 | $5,700 | (X) | $13,100 | $11,600 | (X) | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------