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, 1993 (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....................| 71,344 | 35,329 | 49.5 | 53,822 | 21,185 | 39.4 | 3,062 | 2,129 | 69.5 | 14,461 | 12,015 | 83.1 | 36,749 | 27,557 | 75.0 | No income or loss..............| 5,092 | 4,834 | 94.9 | 1,282 | 1,104 | 86.2 | 346 | 322 | 93.0 | 3,464 | 3,407 | 98.4 | 3,647 | 3,495 | 95.8 | $1 to $4,999...................| 2,845 | 2,590 | 91.0 | 928 | 769 | 82.9 | 207 | 182 | 87.7 | 1,710 | 1,640 | 95.9 | 3,237 | 2,872 | 88.7 | $5,000 to $9,999...............| 4,667 | 3,772 | 80.8 | 2,048 | 1,529 | 74.6 | 363 | 331 | 91.2 | 2,256 | 1,912 | 84.8 | 7,522 | 6,150 | 81.8 | $10,000 to $14,999.............| 6,400 | 4,720 | 73.7 | 3,830 | 2,500 | 65.3 | 428 | 370 | 86.3 | 2,142 | 1,850 | 86.4 | 5,939 | 4,666 | 78.6 | $15,000 to $19,999.............| 6,827 | 4,156 | 60.9 | 4,915 | 2,630 | 53.5 | 345 | 262 | 75.8 | 1,567 | 1,265 | 80.7 | 4,510 | 3,381 | 75.0 | $20,000 to $24,999.............| 6,635 | 3,468 | 52.3 | 5,208 | 2,471 | 47.5 | 326 | 203 | 62.3 | 1,101 | 793 | 72.0 | 3,210 | 2,342 | 73.0 | $25,000 to $29,999.............| 5,928 | 2,793 | 47.1 | 4,935 | 2,176 | 44.1 | 243 | 130 | 53.5 | 751 | 486 | 64.8 | 2,208 | 1,551 | 70.3 | $30,000 to $34,999.............| 5,156 | 2,165 | 42.0 | 4,481 | 1,767 | 39.4 | 201 | 118 | 58.8 | 474 | 280 | 59.0 | 1,868 | 1,166 | 62.4 | $35,000 to $39,999.............| 4,544 | 1,760 | 38.7 | 4,024 | 1,536 | 38.2 | 180 | 98 | 54.4 | 340 | 126 | 37.1 | 1,356 | 758 | 55.9 | $40,000 to $44,999.............| 3,804 | 1,224 | 32.2 | 3,511 | 1,099 | 31.3 | 84 | 33 | 39.4 | 209 | 92 | 44.2 | 792 | 386 | 48.7 | $45,000 to $49,999.............| 3,369 | 983 | 29.2 | 3,175 | 892 | 28.1 | 77 | 30 | 38.9 | 117 | 60 | 51.6 | 657 | 270 | 41.1 | $50,000 to $59,999.............| 4,910 | 1,203 | 24.5 | 4,638 | 1,122 | 24.2 | 122 | 28 | 22.7 | 151 | 53 | 35.3 | 711 | 257 | 36.1 | $60,000 or more................| 11,167 | 1,662 | 14.9 | 10,849 | 1,589 | 14.6 | 139 | 22 | 16.1 | 179 | 50 | 28.0 | 1,093 | 263 | 24.1 | Median...................| $27,700 | $17,100 | (X) | $34,200 | $24,200 | (X) | $17,700 | $13,100 | (X) | $9,600 | $7,500 | (X) | $13,300 | $11,400 | (X) | | | | | | | | | | | | | | | | | Current owners...........| 50,623 | 16,386 | 32.4 | 42,051 | 11,013 | 26.2 | 1,936 | 1,051 | 54.3 | 6,636 | 4,322 | 65.1 | 16,566 | 8,833 | 53.3 | No income or loss..............| 1,738 | 1,479 | 85.1 | 664 | 486 | 73.3 | 173 | 149 | 86.1 | 901 | 844 | 93.7 | 1,141 | 1,016 | 89.1 | $1 to $4,999...................| 1,269 | 1,022 | 80.5 | 535 | 384 | 71.8 | 132 | 106 | 80.7 | 603 | 532 | 88.2 | 1,312 | 961 | 73.3 | $5,000 to $9,999...............| 2,697 | 1,816 | 67.3 | 1,266 | 757 | 59.8 | 207 | 175 | 84.6 | 1,225 | 884 | 72.2 | 3,509 | 2,276 | 64.9 | $10,000 to $14,999.............| 4,003 | 2,366 | 59.1 | 2,646 | 1,357 | 51.3 | 245 | 187 | 76.1 | 1,113 | 823 | 74.0 | 2,659 | 1,496 | 56.3 | $15,000 to $19,999.............| 4,533 | 1,940 | 42.8 | 3,608 | 1,370 | 38.0 | 202 | 121 | 59.8 | 723 | 448 | 62.0 | 1,965 | 970 | 49.4 | $20,000 to $24,999.............| 4,668 | 1,648 | 35.3 | 3,836 | 1,228 | 32.0 | 218 | 95 | 43.7 | 614 | 325 | 53.0 | 1,378 | 661 | 48.0 | $25,000 to $29,999.............| 4,241 | 1,263 | 29.8 | 3,642 | 1,008 | 27.7 | 153 | 47 | 30.5 | 446 | 208 | 46.8 | 978 | 452 | 46.2 | $30,000 to $34,999.............| 3,838 | 1,002 | 26.1 | 3,429 | 855 | 24.9 | 144 | 65 | 44.8 | 264 | 83 | 31.3 | 925 | 338 | 36.5 | $35,000 to $39,999.............| 3,474 | 866 | 24.9 | 3,118 | 782 | 25.1 | 119 | 45 | 38.0 | 237 | 38 | 16.2 | 692 | 226 | 32.6 | $40,000 to $44,999.............| 3,054 | 638 | 20.9 | 2,821 | 570 | 20.2 | 65 | 14 | 21.4 | 168 | 54 | 32.4 | 493 | 173 | 35.2 | $45,000 to $49,999.............| 2,797 | 553 | 19.8 | 2,648 | 497 | 18.8 | 66 | 24 | 36.7 | 82 | 31 | 38.0 | 372 | 89 | 23.8 | $50,000 to $59,999.............| 4,252 | 709 | 16.7 | 4,050 | 680 | 16.8 | 96 | 10 | 10.4 | 107 | 19 | 17.8 | 440 | 93 | 21.3 | $60,000 or more................| 10,060 | 1,084 | 10.8 | 9,789 | 1,038 | 10.6 | 116 | 14 | 11.9 | 154 | 32 | 20.5 | 705 | 82 | 11.6 | Median...................| $32,800 | $18,900 | (X) | $37,200 | $24,700 | (X) | $20,200 | $12,500 | (X) | $12,600 | $9,400 | (X) | $14,400 | $10,500 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 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, 1993 - Continued (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 - Con. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current renters..........| 20,721 | 18,943 | 91.4 | 11,771 | 10,172 | 86.4 | 1,126 | 1,078 | 95.7 | 7,825 | 7,693 | 98.3 | 20,182 | 18,723 | 92.8 | No income or loss..............| 3,354 | 3,354 | 100.0 | 618 | 618 | 100.0 | 173 | 173 | 100.0 | 2,564 | 2,564 | 100.0 | 2,507 | 2,479 | 98.9 | $1 to $4,999...................| 1,576 | 1,568 | 99.5 | 393 | 385 | 98.0 | 75 | 75 | 100.0 | 1,108 | 1,108 | 100.0 | 1,925 | 1,911 | 99.3 | $5,000 to $9,999...............| 1,970 | 1,956 | 99.3 | 782 | 772 | 98.6 | 156 | 156 | 100.0 | 1,031 | 1,028 | 99.7 | 4,014 | 3,874 | 96.5 | $10,000 to $14,999.............| 2,397 | 2,354 | 98.2 | 1,184 | 1,144 | 96.6 | 183 | 183 | 100.0 | 1,030 | 1,027 | 99.7 | 3,280 | 3,170 | 96.6 | $15,000 to $19,999.............| 2,294 | 2,217 | 96.6 | 1,308 | 1,260 | 96.3 | 143 | 141 | 98.3 | 843 | 816 | 96.8 | 2,545 | 2,411 | 94.8 | $20,000 to $24,999.............| 1,967 | 1,820 | 92.5 | 1,372 | 1,244 | 90.7 | 108 | 108 | 100.0 | 488 | 468 | 96.1 | 1,833 | 1,681 | 91.7 | $25,000 to $29,999.............| 1,688 | 1,529 | 90.6 | 1,292 | 1,168 | 90.4 | 90 | 83 | 92.5 | 305 | 278 | 91.0 | 1,230 | 1,100 | 89.4 | $30,000 to $34,999.............| 1,318 | 1,163 | 88.2 | 1,052 | 912 | 86.7 | 57 | 54 | 94.0 | 209 | 197 | 94.0 | 943 | 828 | 87.8 | $35,000 to $39,999.............| 1,070 | 895 | 83.6 | 906 | 754 | 83.2 | 61 | 53 | 86.4 | 103 | 88 | 84.9 | 664 | 532 | 80.1 | $40,000 to $44,999.............| 750 | 586 | 78.1 | 690 | 529 | 76.6 | 19 | 19 | 100.0 | 41 | 38 | 93.0 | 298 | 212 | 71.2 | $45,000 to $49,999.............| 572 | 430 | 75.1 | 527 | 395 | 75.0 | 11 | 6 | 52.4 | 34 | 29 | 84.5 | 285 | 181 | 63.5 | $50,000 to $59,999.............| 658 | 494 | 75.0 | 588 | 442 | 75.1 | 26 | 18 | 68.9 | 44 | 34 | 77.2 | 272 | 164 | 60.2 | $60,000 or more................| 1,107 | 578 | 52.2 | 1,060 | 551 | 52.0 | 22 | 9 | 38.0 | 25 | 19 | 75.5 | 387 | 182 | 46.9 | Median...................| $17,300 | $15,500 | (X) | $25,900 | $23,600 | (X) | $14,300 | $13,700 | (X) | $6,200 | $5,800 | (X) | $12,500 | $11,700 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | USING FHA, FIXED-RATE, 30-YEAR | | | | | | | | | | | | | | | | FINANCING | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total....................| 71,344 | 34,868 | 48.9 | 53,822 | 20,664 | 38.4 | 3,062 | 2,148 | 70.1 | 14,461 | 12,056 | 83.4 | 36,748 | 27,477 | 74.8 | No income or loss..............| 5,092 | 4,831 | 94.9 | 1,282 | 1,102 | 85.9 | 346 | 322 | 93.0 | 3,464 | 3,407 | 98.4 | 3,647 | 3,495 | 95.8 | $1 to $4,999...................| 2,845 | 2,590 | 91.0 | 928 | 769 | 82.9 | 207 | 182 | 87.7 | 1,710 | 1,640 | 95.9 | 3,237 | 2,865 | 88.5 | $5,000 to $9,999...............| 4,667 | 3,780 | 81.0 | 2,048 | 1,535 | 74.9 | 363 | 334 | 91.9 | 2,256 | 1,912 | 84.8 | 7,522 | 6,164 | 81.9 | $10,000 to $14,999.............| 6,400 | 4,764 | 74.4 | 3,830 | 2,538 | 66.3 | 428 | 370 | 86.3 | 2,142 | 1,856 | 86.7 | 5,939 | 4,692 | 79.0 | $15,000 to $19,999.............| 6,827 | 4,235 | 62.0 | 4,915 | 2,689 | 54.7 | 345 | 262 | 75.8 | 1,567 | 1,284 | 82.0 | 4,510 | 3,417 | 75.8 | $20,000 to $24,999.............| 6,635 | 3,535 | 53.3 | 5,208 | 2,514 | 48.3 | 326 | 205 | 63.1 | 1,101 | 816 | 74.1 | 3,211 | 2,362 | 73.6 | $25,000 to $29,999.............| 5,928 | 2,775 | 46.8 | 4,934 | 2,152 | 43.6 | 243 | 134 | 55.0 | 751 | 489 | 65.2 | 2,208 | 1,531 | 69.4 | $30,000 to $34,999.............| 5,156 | 2,124 | 41.2 | 4,481 | 1,714 | 38.2 | 201 | 122 | 60.7 | 474 | 289 | 60.9 | 1,868 | 1,147 | 61.4 | $35,000 to $39,999.............| 4,544 | 1,646 | 36.2 | 4,024 | 1,419 | 35.3 | 180 | 101 | 56.4 | 340 | 126 | 37.1 | 1,356 | 722 | 53.2 | $40,000 to $44,999.............| 3,804 | 1,148 | 30.2 | 3,511 | 1,019 | 29.0 | 84 | 38 | 44.7 | 209 | 91 | 43.7 | 792 | 340 | 42.9 | $45,000 to $49,999.............| 3,369 | 875 | 26.0 | 3,175 | 780 | 24.6 | 77 | 33 | 42.8 | 117 | 62 | 53.2 | 657 | 258 | 39.2 | $50,000 to $59,999.............| 4,910 | 1,077 | 21.9 | 4,638 | 1,005 | 21.7 | 122 | 28 | 22.7 | 151 | 44 | 29.1 | 711 | 243 | 34.1 | $60,000 or more................| 11,167 | 1,487 | 13.3 | 10,849 | 1,429 | 13.2 | 139 | 18 | 13.0 | 179 | 40 | 22.3 | 1,093 | 243 | 22.2 | Median...................| $27,700 | $16,700 | (X) | $34,200 | $23,400 | (X) | $17,700 | $13,200 | (X) | $9,600 | $7,600 | (X) | $13,300 | $11,300 | (X) | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 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, 1993 - Continued (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 FHA, FIXED-RATE, 30-YEAR | | | | | | | | | | | | | | | | FINANCING - Con. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current owners...........| 50,623 | 16,045 | 31.7 | 42,051 | 10,620 | 25.3 | 1,936 | 1,070 | 55.3 | 6,636 | 4,354 | 65.6 | 16,566 | 8,822 | 53.3 | No income or loss..............| 1,738 | 1,477 | 85.0 | 664 | 484 | 72.9 | 173 | 149 | 86.1 | 901 | 844 | 93.7 | 1,141 | 1,016 | 89.1 | $1 to $4,999...................| 1,269 | 1,022 | 80.5 | 535 | 384 | 71.8 | 132 | 106 | 80.7 | 603 | 532 | 88.2 | 1,312 | 955 | 72.8 | $5,000 to $9,999...............| 2,697 | 1,824 | 67.7 | 1,266 | 763 | 60.3 | 207 | 177 | 85.7 | 1,225 | 884 | 72.2 | 3,509 | 2,290 | 65.3 | $10,000 to $14,999.............| 4,003 | 2,410 | 60.2 | 2,646 | 1,394 | 52.7 | 245 | 187 | 76.1 | 1,113 | 829 | 74.6 | 2,659 | 1,522 | 57.2 | $15,000 to $19,999.............| 4,533 | 2,013 | 44.4 | 3,608 | 1,431 | 39.7 | 202 | 121 | 59.8 | 723 | 461 | 63.8 | 1,965 | 999 | 50.9 | $20,000 to $24,999.............| 4,668 | 1,708 | 36.6 | 3,836 | 1,266 | 33.0 | 218 | 98 | 44.8 | 614 | 344 | 56.1 | 1,378 | 675 | 49.0 | $25,000 to $29,999.............| 4,241 | 1,264 | 29.8 | 3,642 | 1,002 | 27.5 | 153 | 50 | 32.8 | 446 | 212 | 47.5 | 978 | 439 | 44.9 | $30,000 to $34,999.............| 3,838 | 974 | 25.4 | 3,429 | 817 | 23.8 | 144 | 68 | 47.4 | 264 | 89 | 33.6 | 925 | 336 | 36.3 | $35,000 to $39,999.............| 3,474 | 767 | 22.1 | 3,118 | 680 | 21.8 | 119 | 49 | 41.0 | 237 | 38 | 16.2 | 692 | 213 | 30.7 | $40,000 to $44,999.............| 3,054 | 568 | 18.6 | 2,821 | 496 | 17.6 | 65 | 18 | 28.2 | 168 | 53 | 31.7 | 493 | 144 | 29.2 | $45,000 to $49,999.............| 2,797 | 456 | 16.3 | 2,648 | 401 | 15.1 | 66 | 27 | 41.2 | 82 | 28 | 33.8 | 372 | 85 | 23.0 | $50,000 to $59,999.............| 4,252 | 618 | 14.5 | 4,050 | 592 | 14.6 | 96 | 10 | 10.4 | 107 | 16 | 15.3 | 440 | 73 | 16.6 | $60,000 or more................| 10,060 | 943 | 9.4 | 9,789 | 910 | 9.3 | 116 | 10 | 8.2 | 154 | 23 | 15.1 | 705 | 75 | 10.6 | Median...................| $32,800 | $18,200 | (X) | $37,200 | $23,400 | (X) | $20,200 | $12,800 | (X) | $12,600 | $9,500 | (X) | $14,400 | $10,500 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current renters..........| 20,721 | 18,824 | 90.8 | 11,771 | 10,044 | 85.3 | 1,126 | 1,078 | 95.7 | 7,825 | 7,702 | 98.4 | 20,182 | 18,655 | 92.4 | No income or loss..............| 3,354 | 3,354 | 100.0 | 618 | 618 | 100.0 | 173 | 173 | 100.0 | 2,564 | 2,564 | 100.0 | 2,507 | 2,479 | 98.9 | $1 to $4,999...................| 1,576 | 1,568 | 99.5 | 393 | 385 | 98.0 | 75 | 75 | 100.0 | 1,108 | 1,108 | 100.0 | 1,925 | 1,911 | 99.3 | $5,000 to $9,999...............| 1,970 | 1,956 | 99.3 | 782 | 772 | 98.6 | 156 | 156 | 100.0 | 1,031 | 1,028 | 99.7 | 4,014 | 3,874 | 96.5 | $10,000 to $14,999.............| 2,397 | 2,354 | 98.2 | 1,184 | 1,144 | 96.6 | 183 | 183 | 100.0 | 1,030 | 1,027 | 99.7 | 3,280 | 3,170 | 96.6 | $15,000 to $19,999.............| 2,294 | 2,222 | 96.9 | 1,308 | 1,258 | 96.2 | 143 | 141 | 98.3 | 843 | 823 | 97.6 | 2,545 | 2,417 | 95.0 | $20,000 to $24,999.............| 1,967 | 1,827 | 92.9 | 1,372 | 1,248 | 91.0 | 108 | 108 | 100.0 | 488 | 471 | 96.7 | 1,833 | 1,687 | 92.0 | $25,000 to $29,999.............| 1,688 | 1,511 | 89.5 | 1,292 | 1,150 | 89.0 | 90 | 83 | 92.5 | 305 | 278 | 91.0 | 1,230 | 1,093 | 88.8 | $30,000 to $34,999.............| 1,318 | 1,150 | 87.3 | 1,052 | 897 | 85.3 | 57 | 54 | 94.0 | 209 | 200 | 95.5 | 943 | 812 | 86.1 | $35,000 to $39,999.............| 1,070 | 879 | 82.1 | 906 | 739 | 81.5 | 61 | 53 | 86.4 | 103 | 88 | 84.9 | 664 | 509 | 76.7 | $40,000 to $44,999.............| 750 | 580 | 77.3 | 690 | 523 | 75.7 | 19 | 19 | 100.0 | 41 | 38 | 93.0 | 298 | 196 | 65.6 | $45,000 to $49,999.............| 572 | 419 | 73.3 | 527 | 379 | 72.0 | 11 | 6 | 52.4 | 34 | 34 | 100.0 | 285 | 172 | 60.4 | $50,000 to $59,999.............| 658 | 459 | 69.7 | 588 | 413 | 70.3 | 26 | 18 | 68.9 | 44 | 28 | 62.4 | 272 | 170 | 62.5 | $60,000 or more................| 1,107 | 544 | 49.2 | 1,060 | 519 | 49.0 | 22 | 9 | 38.0 | 25 | 16 | 67.1 | 387 | 168 | 43.4 | Median...................| $17,300 | $15,400 | (X) | $25,900 | $23,400 | (X) | $14,300 | $13,700 | (X) | $6,200 | $5,900 | (X) | $12,500 | $11,700 | (X) | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------