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, 1995 (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....................| 72,895 | 38,075 | 52.2 | 54,753 | 23,110 | 42.2 | 3,207 | 2,349 | 73.2 | 14,935 | 12,616 | 84.5 | 37,911 | 28,648 | 75.6 | No income or loss..............| 4,793 | 4,606 | 96.1 | 1,020 | 896 | 87.8 | 357 | 313 | 87.8 | 3,417 | 3,396 | 99.4 | 3,170 | 2,979 | 94.0 | $1 to $4,999...................| 2,673 | 2,454 | 91.8 | 713 | 608 | 85.3 | 116 | 110 | 95.1 | 1,844 | 1,735 | 94.1 | 2,500 | 2,320 | 92.8 | $5,000 to $9,999...............| 4,511 | 3,775 | 83.7 | 1,723 | 1,344 | 78.0 | 452 | 397 | 88.0 | 2,336 | 2,033 | 87.0 | 6,773 | 5,709 | 84.3 | $10,000 to $14,999.............| 6,134 | 4,698 | 76.6 | 3,619 | 2,557 | 70.6 | 457 | 349 | 76.3 | 2,059 | 1,793 | 87.1 | 6,731 | 5,429 | 80.7 | $15,000 to $19,999.............| 6,545 | 4,386 | 67.0 | 4,474 | 2,695 | 60.2 | 476 | 387 | 81.3 | 1,595 | 1,304 | 81.7 | 4,949 | 3,753 | 75.8 | $20,000 to $24,999.............| 6,475 | 3,976 | 61.4 | 4,924 | 2,689 | 54.6 | 345 | 282 | 81.7 | 1,206 | 1,005 | 83.3 | 3,737 | 2,787 | 74.6 | $25,000 to $29,999.............| 5,781 | 3,002 | 51.9 | 4,791 | 2,374 | 49.5 | 227 | 135 | 59.5 | 763 | 493 | 64.6 | 2,380 | 1,636 | 68.7 | $30,000 to $34,999.............| 5,161 | 2,465 | 47.8 | 4,430 | 1,965 | 44.4 | 177 | 118 | 66.6 | 554 | 383 | 69.1 | 2,107 | 1,377 | 65.4 | $35,000 to $39,999.............| 4,741 | 2,108 | 44.5 | 4,083 | 1,781 | 43.6 | 197 | 93 | 47.3 | 461 | 235 | 50.9 | 1,559 | 976 | 62.6 | $40,000 to $44,999.............| 4,167 | 1,620 | 38.9 | 3,841 | 1,456 | 37.9 | 115 | 63 | 55.1 | 212 | 100 | 47.3 | 1,063 | 601 | 56.5 | $45,000 to $49,999.............| 3,514 | 1,285 | 36.6 | 3,289 | 1,209 | 36.8 | 94 | 37 | 39.0 | 131 | 40 | 30.5 | 768 | 322 | 41.9 | $50,000 to $59,999.............| 5,444 | 1,455 | 26.7 | 5,197 | 1,365 | 26.3 | 67 | 28 | 41.1 | 180 | 63 | 34.7 | 884 | 377 | 42.6 | $60,000 or more................| 12,954 | 2,246 | 17.3 | 12,649 | 2,172 | 17.2 | 128 | 37 | 28.7 | 178 | 37 | 20.8 | 1,288 | 383 | 29.7 | Median...................| $29,600 | $19,000 | (X) | $37,100 | $26,600 | (X) | $17,300 | $15,100 | (X) | $9,700 | $7,900 | (X) | $14,800 | $13,100 | (X) | | | | | | | | | | | | | | | | | Current owners...........| 51,470 | 18,086 | 35.1 | 42,774 | 12,394 | 29.0 | 1,833 | 1,022 | 55.8 | 6,863 | 4,670 | 68.0 | 17,366 | 9,455 | 54.4 | No income or loss..............| 1,421 | 1,234 | 86.8 | 438 | 314 | 71.7 | 147 | 104 | 70.5 | 836 | 815 | 97.6 | 855 | 695 | 81.3 | $1 to $4,999...................| 1,149 | 935 | 81.3 | 348 | 248 | 71.3 | 76 | 70 | 92.5 | 725 | 616 | 85.0 | 956 | 796 | 83.3 | $5,000 to $9,999...............| 2,545 | 1,813 | 71.2 | 1,105 | 730 | 66.1 | 179 | 125 | 69.7 | 1,261 | 959 | 76.0 | 3,330 | 2,375 | 71.3 | $10,000 to $14,999.............| 3,703 | 2,287 | 61.8 | 2,417 | 1,376 | 56.9 | 283 | 174 | 61.7 | 1,003 | 737 | 73.5 | 2,992 | 1,838 | 61.4 | $15,000 to $19,999.............| 4,295 | 2,169 | 50.5 | 3,186 | 1,424 | 44.7 | 267 | 181 | 67.8 | 842 | 564 | 67.0 | 2,229 | 1,141 | 51.2 | $20,000 to $24,999.............| 4,491 | 2,070 | 46.1 | 3,714 | 1,546 | 41.6 | 188 | 124 | 66.3 | 589 | 399 | 67.8 | 1,720 | 876 | 50.9 | $25,000 to $29,999.............| 4,174 | 1,485 | 35.6 | 3,565 | 1,213 | 34.0 | 136 | 52 | 38.0 | 473 | 221 | 46.7 | 1,241 | 568 | 45.8 | $30,000 to $34,999.............| 3,760 | 1,230 | 32.7 | 3,342 | 1,018 | 30.5 | 117 | 58 | 49.4 | 302 | 155 | 51.3 | 967 | 419 | 43.3 | $35,000 to $39,999.............| 3,655 | 1,121 | 30.7 | 3,191 | 948 | 29.7 | 155 | 73 | 47.3 | 309 | 99 | 32.1 | 781 | 269 | 34.5 | $40,000 to $44,999.............| 3,273 | 808 | 24.7 | 3,039 | 737 | 24.2 | 86 | 34 | 39.8 | 149 | 37 | 25.0 | 523 | 162 | 31.0 | $45,000 to $49,999.............| 2,862 | 722 | 25.2 | 2,711 | 704 | 26.0 | 59 | 4 | 6.7 | 92 | 14 | 14.8 | 443 | 109 | 24.7 | $50,000 to $59,999.............| 4,639 | 818 | 17.6 | 4,455 | 781 | 17.5 | 44 | 9 | 19.9 | 140 | 28 | 19.7 | 549 | 129 | 23.5 | $60,000 or more................| 11,504 | 1,395 | 12.1 | 11,264 | 1,355 | 12.0 | 98 | 15 | 15.2 | 142 | 25 | 17.7 | 781 | 76 | 9.8 | Median...................| $35,300 | $21,500 | (X) | $40,100 | $27,300 | (X) | $19,300 | $16,000 | (X) | $13,000 | $9,700 | (X) | $16,200 | $12,300 | (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, 1995 - 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..........| 21,424 | 19,989 | 93.3 | 11,979 | 10,716 | 89.5 | 1,374 | 1,326 | 96.5 | 8,072 | 7,947 | 98.4 | 20,545 | 19,193 | 93.4 | No income or loss..............| 3,372 | 3,372 | 100.0 | 582 | 582 | 100.0 | 209 | 209 | 100.0 | 2,581 | 2,581 | 100.0 | 2,315 | 2,284 | 98.7 | $1 to $4,999...................| 1,524 | 1,519 | 99.6 | 365 | 360 | 98.5 | 40 | 40 | 100.0 | 1,119 | 1,119 | 100.0 | 1,544 | 1,524 | 98.7 | $5,000 to $9,999...............| 1,966 | 1,962 | 99.8 | 619 | 614 | 99.3 | 273 | 273 | 100.0 | 1,075 | 1,075 | 100.0 | 3,443 | 3,333 | 96.8 | $10,000 to $14,999.............| 2,431 | 2,410 | 99.1 | 1,202 | 1,181 | 98.3 | 174 | 174 | 100.0 | 1,055 | 1,055 | 100.0 | 3,739 | 3,591 | 96.0 | $15,000 to $19,999.............| 2,250 | 2,216 | 98.5 | 1,289 | 1,271 | 98.7 | 209 | 206 | 98.6 | 753 | 739 | 98.2 | 2,720 | 2,612 | 96.0 | $20,000 to $24,999.............| 1,985 | 1,906 | 96.0 | 1,210 | 1,142 | 94.4 | 158 | 158 | 100.0 | 617 | 606 | 98.2 | 2,018 | 1,911 | 94.7 | $25,000 to $29,999.............| 1,607 | 1,517 | 94.3 | 1,226 | 1,161 | 94.7 | 92 | 84 | 91.4 | 290 | 272 | 93.9 | 1,140 | 1,068 | 93.7 | $30,000 to $34,999.............| 1,401 | 1,235 | 88.2 | 1,088 | 947 | 87.0 | 60 | 60 | 100.0 | 252 | 228 | 90.3 | 1,140 | 959 | 84.1 | $35,000 to $39,999.............| 1,086 | 988 | 90.9 | 893 | 833 | 93.3 | 42 | 20 | 47.4 | 152 | 135 | 89.2 | 778 | 707 | 90.8 | $40,000 to $44,999.............| 894 | 812 | 90.8 | 802 | 719 | 89.7 | 29 | 29 | 100.0 | 63 | 63 | 100.0 | 541 | 439 | 81.1 | $45,000 to $49,999.............| 652 | 563 | 86.4 | 578 | 505 | 87.3 | 35 | 33 | 92.7 | 39 | 26 | 67.5 | 326 | 213 | 65.3 | $50,000 to $59,999.............| 805 | 638 | 79.2 | 742 | 584 | 78.7 | 23 | 19 | 82.0 | 40 | 35 | 87.2 | 335 | 248 | 74.1 | $60,000 or more................| 1,450 | 851 | 58.7 | 1,385 | 818 | 59.0 | 30 | 22 | 73.2 | 36 | 12 | 33.2 | 507 | 307 | 60.5 | Median...................| $18,200 | $16,700 | (X) | $27,900 | $25,900 | (X) | $14,700 | $14,100 | (X) | $6,600 | $6,300 | (X) | $14,000 | $13,400 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | USING FHA, FIXED-RATE, 30-YEAR | | | | | | | | | | | | | | | | FINANCING | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total....................| 72,895 | 37,180 | 51.0 | 54,753 | 22,205 | 40.6 | 3,207 | 2,347 | 73.2 | 14,935 | 12,629 | 84.6 | 37,911 | 28,469 | 75.1 | No income or loss..............| 4,793 | 4,606 | 96.1 | 1,020 | 896 | 87.8 | 357 | 313 | 87.8 | 3,417 | 3,396 | 99.4 | 3,170 | 2,979 | 94.0 | $1 to $4,999...................| 2,673 | 2,449 | 91.6 | 713 | 608 | 85.3 | 116 | 110 | 95.1 | 1,844 | 1,730 | 93.8 | 2,500 | 2,307 | 92.3 | $5,000 to $9,999...............| 4,511 | 3,775 | 83.7 | 1,723 | 1,344 | 78.0 | 452 | 397 | 88.0 | 2,336 | 2,033 | 87.0 | 6,773 | 5,704 | 84.2 | $10,000 to $14,999.............| 6,134 | 4,704 | 76.7 | 3,619 | 2,562 | 70.8 | 457 | 349 | 76.3 | 2,059 | 1,793 | 87.1 | 6,731 | 5,434 | 80.7 | $15,000 to $19,999.............| 6,545 | 4,412 | 67.4 | 4,474 | 2,721 | 60.8 | 476 | 387 | 81.3 | 1,595 | 1,304 | 81.7 | 4,949 | 3,772 | 76.2 | $20,000 to $24,999.............| 6,475 | 4,018 | 62.1 | 4,924 | 2,701 | 54.9 | 345 | 287 | 83.0 | 1,206 | 1,031 | 85.5 | 3,737 | 2,805 | 75.0 | $25,000 to $29,999.............| 5,781 | 2,984 | 51.6 | 4,791 | 2,352 | 49.1 | 227 | 133 | 58.7 | 763 | 499 | 65.4 | 2,380 | 1,613 | 67.8 | $30,000 to $34,999.............| 5,161 | 2,426 | 47.0 | 4,430 | 1,914 | 43.2 | 177 | 118 | 66.6 | 554 | 394 | 71.1 | 2,107 | 1,353 | 64.2 | $35,000 to $39,999.............| 4,741 | 1,974 | 41.6 | 4,083 | 1,662 | 40.7 | 197 | 88 | 45.0 | 461 | 223 | 48.4 | 1,559 | 949 | 60.8 | $40,000 to $44,999.............| 4,167 | 1,544 | 37.0 | 3,841 | 1,380 | 35.9 | 115 | 63 | 55.1 | 212 | 100 | 47.3 | 1,063 | 559 | 52.5 | $45,000 to $49,999.............| 3,514 | 1,169 | 33.3 | 3,289 | 1,095 | 33.3 | 94 | 37 | 39.0 | 131 | 37 | 28.4 | 768 | 306 | 39.8 | $50,000 to $59,999.............| 5,444 | 1,216 | 22.3 | 5,197 | 1,132 | 21.8 | 67 | 28 | 41.1 | 180 | 57 | 31.5 | 884 | 348 | 39.4 | $60,000 or more................| 12,954 | 1,905 | 14.7 | 12,649 | 1,837 | 14.5 | 128 | 37 | 28.7 | 178 | 32 | 18.0 | 1,288 | 340 | 26.4 | Median...................| $29,600 | $18,500 | (X) | $37,100 | $25,600 | (X) | $17,300 | $15,100 | (X) | $9,700 | $7,900 | (X) | $14,800 | $13,000 | (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, 1995 - 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...........| 51,470 | 17,412 | 33.8 | 42,774 | 11,709 | 27.4 | 1,833 | 1,021 | 55.7 | 6,863 | 4,683 | 68.2 | 17,366 | 9,380 | 54.0 | No income or loss..............| 1,421 | 1,234 | 86.8 | 438 | 314 | 71.7 | 147 | 104 | 70.5 | 836 | 815 | 97.6 | 855 | 695 | 81.3 | $1 to $4,999...................| 1,149 | 935 | 81.3 | 348 | 248 | 71.3 | 76 | 70 | 92.5 | 725 | 616 | 85.0 | 956 | 783 | 81.9 | $5,000 to $9,999...............| 2,545 | 1,813 | 71.2 | 1,105 | 730 | 66.1 | 179 | 125 | 69.7 | 1,261 | 959 | 76.0 | 3,330 | 2,371 | 71.2 | $10,000 to $14,999.............| 3,703 | 2,293 | 61.9 | 2,417 | 1,382 | 57.2 | 283 | 174 | 61.7 | 1,003 | 737 | 73.5 | 2,992 | 1,844 | 61.6 | $15,000 to $19,999.............| 4,295 | 2,195 | 51.1 | 3,186 | 1,450 | 45.5 | 267 | 181 | 67.8 | 842 | 564 | 67.0 | 2,229 | 1,160 | 52.0 | $20,000 to $24,999.............| 4,491 | 2,107 | 46.9 | 3,714 | 1,553 | 41.8 | 188 | 129 | 68.7 | 589 | 425 | 72.1 | 1,720 | 894 | 52.0 | $25,000 to $29,999.............| 4,174 | 1,478 | 35.4 | 3,565 | 1,202 | 33.7 | 136 | 50 | 36.6 | 473 | 227 | 47.9 | 1,241 | 557 | 44.9 | $30,000 to $34,999.............| 3,760 | 1,196 | 31.8 | 3,342 | 988 | 29.6 | 117 | 58 | 49.4 | 302 | 150 | 49.7 | 967 | 400 | 41.4 | $35,000 to $39,999.............| 3,655 | 1,038 | 28.4 | 3,191 | 875 | 27.4 | 155 | 69 | 44.3 | 309 | 94 | 30.3 | 781 | 258 | 33.0 | $40,000 to $44,999.............| 3,273 | 752 | 23.0 | 3,039 | 680 | 22.4 | 86 | 34 | 39.8 | 149 | 37 | 25.0 | 523 | 142 | 27.2 | $45,000 to $49,999.............| 2,862 | 621 | 21.7 | 2,711 | 606 | 22.3 | 59 | 4 | 6.7 | 92 | 11 | 11.8 | 443 | 92 | 20.7 | $50,000 to $59,999.............| 4,639 | 631 | 13.6 | 4,455 | 595 | 13.3 | 44 | 9 | 19.9 | 140 | 28 | 19.7 | 549 | 111 | 20.2 | $60,000 or more................| 11,504 | 1,121 | 9.7 | 11,264 | 1,086 | 9.6 | 98 | 15 | 15.2 | 142 | 20 | 14.1 | 781 | 72 | 9.2 | Median...................| $35,300 | $20,600 | (X) | $40,100 | $25,700 | (X) | $19,300 | $16,000 | (X) | $13,000 | $9,700 | (X) | $16,200 | $12,300 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current renters..........| 21,424 | 19,768 | 92.3 | 11,979 | 10,496 | 87.6 | 1,374 | 1,326 | 96.5 | 8,072 | 7,946 | 98.4 | 20,545 | 19,090 | 92.9 | No income or loss..............| 3,372 | 3,372 | 100.0 | 582 | 582 | 100.0 | 209 | 209 | 100.0 | 2,581 | 2,581 | 100.0 | 2,315 | 2,284 | 98.7 | $1 to $4,999...................| 1,524 | 1,514 | 99.3 | 365 | 360 | 98.5 | 40 | 40 | 100.0 | 1,119 | 1,114 | 99.6 | 1,544 | 1,524 | 98.7 | $5,000 to $9,999...............| 1,966 | 1,962 | 99.8 | 619 | 614 | 99.3 | 273 | 273 | 100.0 | 1,075 | 1,075 | 100.0 | 3,443 | 3,333 | 96.8 | $10,000 to $14,999.............| 2,431 | 2,410 | 99.1 | 1,202 | 1,181 | 98.3 | 174 | 174 | 100.0 | 1,055 | 1,055 | 100.0 | 3,739 | 3,591 | 96.0 | $15,000 to $19,999.............| 2,250 | 2,216 | 98.5 | 1,289 | 1,271 | 98.7 | 209 | 206 | 98.6 | 753 | 739 | 98.2 | 2,720 | 2,612 | 96.0 | $20,000 to $24,999.............| 1,985 | 1,911 | 96.3 | 1,210 | 1,148 | 94.8 | 158 | 158 | 100.0 | 617 | 606 | 98.2 | 2,018 | 1,911 | 94.7 | $25,000 to $29,999.............| 1,607 | 1,506 | 93.7 | 1,226 | 1,150 | 93.8 | 92 | 84 | 91.4 | 290 | 272 | 93.9 | 1,140 | 1,056 | 92.6 | $30,000 to $34,999.............| 1,401 | 1,230 | 87.8 | 1,088 | 926 | 85.1 | 60 | 60 | 100.0 | 252 | 244 | 96.6 | 1,140 | 953 | 83.6 | $35,000 to $39,999.............| 1,086 | 936 | 86.2 | 893 | 787 | 88.2 | 42 | 20 | 47.4 | 152 | 129 | 85.3 | 778 | 691 | 88.7 | $40,000 to $44,999.............| 894 | 792 | 88.6 | 802 | 700 | 87.3 | 29 | 29 | 100.0 | 63 | 63 | 100.0 | 541 | 416 | 77.0 | $45,000 to $49,999.............| 652 | 548 | 84.1 | 578 | 489 | 84.7 | 35 | 33 | 92.7 | 39 | 26 | 67.5 | 326 | 214 | 65.8 | $50,000 to $59,999.............| 805 | 585 | 72.7 | 742 | 537 | 72.4 | 23 | 19 | 82.0 | 40 | 29 | 72.6 | 335 | 237 | 70.7 | $60,000 or more................| 1,450 | 785 | 54.1 | 1,385 | 751 | 54.3 | 30 | 22 | 73.2 | 36 | 12 | 33.2 | 507 | 268 | 52.9 |` Median...................| $18,200 | $16,400 | (X) | $27,900 | $25,400 | (X) | $14,700 | $14,100 | (X) | $6,600 | $6,300 | (X) | $14,000 | $13,300 | (X) | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------