Table 3-6: Affordability Deficit for Families and Unrelated Individuals That Cannot Afford Modestly Priced Home in Area, by 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| Affordability |-------------------|--------------------|-------------------|--------------------|---------------------| deficit | Number | Percent | Number | Percent | Number | Percent | Number | Percent | Number | Percent | -------------------------------|---------|---------|----------|---------|---------|---------|----------|---------|-----------|---------| USING CONVENTIONAL, FIXED-RATE,| | | | | | | | | | | 30-YEAR FINANCING | | | | | | | | | | | | | | | | | | | | | | Total....................| 30,188 | 100.0 | 17,359 | 100.0 | 1,843 | 100.0 | 10,985 | 100.0 | 24,427 | 100.0 | Less than $1,000.............. | 184 | 0.6 | 122 | 0.7 | 10 | 0.5 | 53 | 0.5 | 155 | 0.6 | $1,000 to $1,999.............. | 190 | 0.6 | 130 | 0.7 | 10 | 0.6 | 50 | 0.5 | 140 | 0.6 | $2,000 to $2,999...............| 132 | 0.4 | 104 | 0.6 | 10 | 0.6 | 17 | 0.2 | 134 | 0.6 | $3,000 to $4,999...............| 295 | 1.0 | 179 | 1.0 | 29 | 1.6 | 87 | 0.8 | 194 | 0.8 | $5,000 to $9,999...............| 793 | 2.6 | 529 | 3.0 | 67 | 3.6 | 197 | 1.8 | 640 | 2.6 | $10,000 to $19,999.............| 1,508 | 5.0 | 1,010 | 5.8 | 91 | 4.9 | 408 | 3.7 | 1,333 | 5.5 | $20,000 to $29,999.............| 1,648 | 5.5 | 1,144 | 6.6 | 94 | 5.1 | 410 | 3.7 | 1,446 | 5.9 | $30,000 to $39,999.............| 2,484 | 8.2 | 1,822 | 10.5 | 100 | 5.4 | 562 | 5.1 | 2,224 | 9.1 | $40,000 or more................| 22,952 | 76.0 | 12,320 | 71.0 | 1,432 | 77.7 | 9,200 | 83.8 | 18,162 | 74.4 | Median deficit...........|$40,000+ | (X) | $40,000+ | (X) |$40,000+ | (X) | $40,000+ | (X) | $40,000+ | (X) | | | | | | | | | | | | Current owners...........| 11,881 | 100.0 | 7,696 | 100.0 | 798 | 100.0 | 3,387 | 100.0 | 6,500 | 100.0 | Less than $1,000.............. | 138 | 1.2 | 92 | 1.2 | 7 | 0.9 | 39 | 1.2 | 97 | 1.5 | $1,000 to $1,999.............. | 140 | 1.2 | 96 | 1.2 | 2 | 0.2 | 43 | 1.3 | 101 | 1.6 | $2,000 to $2,999...............| 102 | 0.9 | 80 | 1.0 | 5 | 0.7 | 17 | 0.5 | 100 | 1.5 | $3,000 to $4,999...............| 255 | 2.1 | 151 | 2.0 | 26 | 3.3 | 77 | 2.3 | 126 | 1.9 | $5,000 to $9,999...............| 603 | 5.1 | 398 | 5.2 | 52 | 6.5 | 153 | 4.5 | 428 | 6.6 | $10,000 to $19,999.............| 1,142 | 9.6 | 733 | 9.5 | 76 | 9.5 | 333 | 9.8 | 760 | 11.7 | $20,000 to $29,999.............| 1,143 | 9.6 | 759 | 9.9 | 72 | 9.0 | 312 | 9.2 | 665 | 10.2 | $30,000 to $39,999.............| 1,214 | 10.2 | 877 | 11.4 | 56 | 7.0 | 282 | 8.3 | 638 | 9.8 | $40,000 or more................| 7,143 | 60.1 | 4,511 | 58.6 | 503 | 63.0 | 2,130 | 62.9 | 3,586 | 55.2 | Median deficit...........|$40,000+ | (X) | $40,000+ | (X) |$40,000+ | (X) | $40,000+ | (X) | $40,000+ | (X) | | | | | | | | | | | | Current renters..........| 18,307 | 100.0 | 9,664 | 100.0 | 1,045 | 100.0 | 7,598 | 100.0 | 17,927 | 100.0 | Less than $1,000.............. | 46 | 0.2 | 30 | 0.3 | 3 | 0.3 | 13 | 0.2 | 58 | 0.3 | $1,000 to $1,999.............. | 50 | 0.3 | 34 | 0.4 | 8 | 0.8 | 7 | 0.1 | 39 | 0.2 | $2,000 to $2,999...............| 30 | 0.2 | 25 | 0.3 | 5 | 0.5 | - | 0.0 | 35 | 0.2 | $3,000 to $4,999...............| 40 | 0.2 | 28 | 0.3 | 3 | 0.3 | 10 | 0.1 | 68 | 0.4 | $5,000 to $9,999...............| 191 | 1.0 | 131 | 1.4 | 16 | 1.5 | 44 | 0.6 | 212 | 1.2 | $10,000 to $19,999.............| 366 | 2.0 | 277 | 2.9 | 14 | 1.4 | 75 | 1.0 | 573 | 3.2 | $20,000 to $29,999.............| 505 | 2.8 | 385 | 4.0 | 22 | 2.1 | 98 | 1.3 | 781 | 4.4 | $30,000 to $39,999.............| 1,270 | 6.9 | 945 | 9.8 | 44 | 4.2 | 280 | 3.7 | 1,586 | 8.8 | $40,000 or more................| 15,809 | 86.4 | 7,809 | 80.8 | 930 | 89.0 | 7,070 | 93.0 | 14,576 | 81.3 | Median deficit...........|$40,000+ | (X) | $40,000+ | (X) |$40,000+ | (X) | $40,000+ | (X) | $40,000+ | (X) | ---------------------------------------------------------------------------------------------------------------------------------------- Table 3-6: Affordability Deficit for Families and Unrelated Individuals That Cannot Afford Modestly Priced Home in Area, by 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| Affordability |-------------------|--------------------|-------------------|--------------------|---------------------| deficit | Number | Percent | Number | Percent | Number | Percent | Number | Percent | Number | Percent | -------------------------------|---------|---------|----------|---------|---------|---------|----------|---------|-----------|---------| USING FHA, FIXED-RATE, 30-YEAR | | | | | | | | | | | FINANCING | | | | | | | | | | | | | | | | | | | | | | Total....................| 28,912 | 100.0 | 16,168 | 100.0 | 1,822 | 100.0 | 10,923 | 100.0 | 24,158 | 100.0 | Less than $1,000.............. | 351 | 1.2 | 284 | 1.8 | 15 | 0.8 | 53 | 0.5 | 200 | 0.8 | $1,000 to $1,999.............. | 201 | 0.7 | 133 | 0.8 | 12 | 0.6 | 56 | 0.5 | 147 | 0.6 | $2,000 to $2,999...............| 245 | 0.8 | 174 | 1.1 | 8 | 0.4 | 63 | 0.6 | 128 | 0.5 | $3,000 to $4,999...............| 331 | 1.1 | 253 | 1.6 | 16 | 0.9 | 61 | 0.6 | 326 | 1.3 | $5,000 to $9,999...............| 933 | 3.2 | 610 | 3.8 | 70 | 3.9 | 253 | 2.3 | 657 | 2.7 | $10,000 to $19,999.............| 1,727 | 6.0 | 1,178 | 7.3 | 102 | 5.6 | 447 | 4.1 | 1,693 | 7.0 | $20,000 to $29,999.............| 2,560 | 8.9 | 1,715 | 10.6 | 151 | 8.3 | 694 | 6.4 | 2,216 | 9.2 | $30,000 to $39,999.............| 4,976 | 17.2 | 3,026 | 18.7 | 256 | 14.1 | 1,693 | 15.5 | 4,148 | 17.2 | $40,000 or more................| 17,589 | 60.8 | 8,794 | 54.4 | 1,192 | 65.4 | 7,603 | 69.6 | 14,642 | 60.6 | Median deficit...........|$40,000+ | (X) | $40,000+ | (X) |$40,000+ | (X) | $40,000+ | (X) | $40,000+ | (X) | | | | | | | | | | | | Current owners...........| 10,985 | 100.0 | 6,843 | 100.0 | 786 | 100.0 | 3,357 | 100.0 | 6,417 | 100.0 | Less than $1,000.............. | 245 | 2.2 | 195 | 2.8 | 10 | 1.2 | 40 | 1.2 | 124 | 1.9 | $1,000 to $1,999.............. | 141 | 1.3 | 94 | 1.4 | 6 | 0.7 | 41 | 1.2 | 105 | 1.6 | $2,000 to $2,999...............| 186 | 1.7 | 126 | 1.8 | 8 | 1.0 | 52 | 1.5 | 98 | 1.5 | $3,000 to $4,999...............| 252 | 2.3 | 192 | 2.8 | 11 | 1.4 | 49 | 1.5 | 182 | 2.8 | $5,000 to $9,999...............| 688 | 6.3 | 437 | 6.4 | 57 | 7.3 | 194 | 5.8 | 419 | 6.5 | $10,000 to $19,999.............| 1,168 | 10.6 | 739 | 10.8 | 86 | 10.9 | 343 | 10.2 | 855 | 13.3 | $20,000 to $29,999.............| 1,363 | 12.4 | 844 | 12.3 | 94 | 12.0 | 425 | 12.7 | 769 | 12.0 | $30,000 to $39,999.............| 1,731 | 15.8 | 1,153 | 16.8 | 111 | 14.1 | 467 | 13.9 | 915 | 14.3 | $40,000 or more................| 5,213 | 47.5 | 3,063 | 44.8 | 404 | 51.4 | 1,747 | 52.0 | 2,949 | 46.0 | Median deficit...........| $38,700 | (X) | $37,300 | (X) |$40,000+ | (X) | $40,000+ | (X) | $37,300 | (X) | | | | | | | | | | | | Current renters..........| 17,927 | 100.0 | 9,325 | 100.0 | 1,037 | 100.0 | 7,566 | 100.0 | 17,741 | 100.0 | Less than $1,000.............. | 107 | 0.6 | 89 | 1.0 | 5 | 0.5 | 13 | 0.2 | 77 | 0.4 | $1,000 to $1,999.............. | 60 | 0.3 | 39 | 0.4 | 6 | 0.6 | 15 | 0.2 | 43 | 0.2 | $2,000 to $2,999...............| 59 | 0.3 | 48 | 0.5 | - | 0.0 | 11 | 0.1 | 30 | 0.2 | $3,000 to $4,999...............| 79 | 0.4 | 61 | 0.7 | 6 | 0.5 | 13 | 0.2 | 144 | 0.8 | $5,000 to $9,999...............| 245 | 1.4 | 173 | 1.9 | 13 | 1.3 | 59 | 0.8 | 238 | 1.3 | $10,000 to $19,999.............| 559 | 3.1 | 439 | 4.7 | 16 | 1.5 | 104 | 1.4 | 838 | 4.7 | $20,000 to $29,999.............| 1,197 | 6.7 | 871 | 9.3 | 57 | 5.5 | 269 | 3.6 | 1,446 | 8.2 | $30,000 to $39,999.............| 3,245 | 18.1 | 1,874 | 20.1 | 146 | 14.1 | 1,226 | 16.2 | 3,232 | 18.2 | $40,000 or more................| 12,376 | 69.0 | 5,731 | 61.5 | 788 | 76.1 | 5,856 | 77.4 | 11,693 | 65.9 | Median deficit...........|$40,000+ | (X) | $40,000+ | (X) |$40,000+ | (X) | $40,000+ | (X) | $40,000+ | (X) | ----------------------------------------------------------------------------------------------------------------------------------------