Table 2-6: Affordability Deficit for Families and Unrelated Individuals That Cannot Afford Median-Priced Home in Area, by 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| Affordability |-------------------|-------------------|-------------------|--------------------|---------------------| deficit | Number | Percent | Number | Percent | Number | Percent | Number | Percent | Number | Percent | -------------------------------|---------|---------|---------|---------|---------|---------|----------|---------|-----------|---------| USING CONVENTIONAL, FIXED-RATE,| | | | | | | | | | | 30-YEAR FINANCING | | | | | | | | | | | | | | | | | | | | | | Total....................| 38,075 | 100.0 | 23,110 | 100.0 | 2,349 | 100.0 | 12,616 | 100.0 | 28,648 | 100.0 | Less than \$1,000.............. | 166 | 0.4 | 121 | 0.5 | 16 | 0.7 | 29 | 0.2 | 103 | 0.4 | \$1,000 to \$1,999.............. | 184 | 0.5 | 137 | 0.6 | 3 | 0.1 | 44 | 0.3 | 132 | 0.5 | \$2,000 to \$2,999...............| 227 | 0.6 | 178 | 0.8 | 19 | 0.8 | 30 | 0.2 | 131 | 0.5 | \$3,000 to \$4,999...............| 366 | 1.0 | 288 | 1.2 | 17 | 0.7 | 61 | 0.5 | 217 | 0.8 | \$5,000 to \$9,999...............| 1,067 | 2.8 | 822 | 3.6 | 73 | 3.1 | 172 | 1.4 | 568 | 2.0 | \$10,000 to \$19,999.............| 1,725 | 4.5 | 1,262 | 5.5 | 64 | 2.7 | 399 | 3.2 | 1,351 | 4.7 | \$20,000 to \$29,999.............| 1,882 | 4.9 | 1,385 | 6.0 | 94 | 4.0 | 403 | 3.2 | 1,301 | 4.5 | \$30,000 to \$39,999.............| 1,614 | 4.2 | 1,104 | 4.8 | 95 | 4.0 | 415 | 3.3 | 1,282 | 4.5 | \$40,000 or more................| 30,844 | 81.0 | 17,812 | 77.1 | 1,968 | 83.8 | 11,064 | 87.7 | 23,562 | 82.2 | Median deficit...........|\$40,000+ | (X) |\$40,000+ | (X) |\$40,000+ | (X) | \$40,000+ | (X) | \$40,000+ | (X) | | | | | | | | | | | | Current owners...........| 18,086 | 100.0 | 12,394 | 100.0 | 1,022 | 100.0 | 4,670 | 100.0 | 9,455 | 100.0 | Less than \$1,000.............. | 152 | 0.8 | 106 | 0.9 | 16 | 1.6 | 29 | 0.6 | 79 | 0.8 | \$1,000 to \$1,999.............. | 168 | 0.9 | 126 | 1.0 | 3 | 0.3 | 39 | 0.8 | 106 | 1.1 | \$2,000 to \$2,999...............| 221 | 1.2 | 171 | 1.4 | 19 | 1.9 | 30 | 0.6 | 108 | 1.1 | \$3,000 to \$4,999...............| 344 | 1.9 | 271 | 2.2 | 17 | 1.6 | 57 | 1.2 | 189 | 2.0 | \$5,000 to \$9,999...............| 979 | 5.4 | 752 | 6.1 | 67 | 6.5 | 160 | 3.4 | 490 | 5.2 | \$10,000 to \$19,999.............| 1,460 | 8.1 | 1,060 | 8.6 | 56 | 5.5 | 344 | 7.4 | 1,036 | 11.0 | \$20,000 to \$29,999.............| 1,618 | 8.9 | 1,173 | 9.5 | 77 | 7.5 | 368 | 7.9 | 950 | 10.1 | \$30,000 to \$39,999.............| 1,310 | 7.2 | 882 | 7.1 | 70 | 6.8 | 359 | 7.7 | 820 | 8.7 | \$40,000 or more................| 11,835 | 65.4 | 7,854 | 63.4 | 698 | 68.2 | 3,283 | 70.3 | 5,675 | 60.0 | Median deficit...........|\$40,000+ | (X) |\$40,000+ | (X) |\$40,000+ | (X) | \$40,000+ | (X) | \$40,000+ | (X) | | | | | | | | | | | | Current renters..........| 19,989 | 100.0 | 10,716 | 100.0 | 1,326 | 100.0 | 7,947 | 100.0 | 19,193 | 100.0 | Less than \$1,000.............. | 14 | 0.1 | 14 | 0.1 | 0 | 0.0 | 0 | 0.0 | 24 | 0.1 | \$1,000 to \$1,999.............. | 16 | 0.1 | 11 | 0.1 | 0 | 0.0 | 5 | 0.1 | 26 | 0.1 | \$2,000 to \$2,999...............| 6 | 0.0 | 6 | 0.1 | 0 | 0.0 | 0 | 0.0 | 22 | 0.1 | \$3,000 to \$4,999...............| 22 | 0.1 | 18 | 0.2 | 0 | 0.0 | 5 | 0.1 | 28 | 0.1 | \$5,000 to \$9,999...............| 88 | 0.4 | 71 | 0.7 | 6 | 0.4 | 12 | 0.1 | 79 | 0.4 | \$10,000 to \$19,999.............| 265 | 1.3 | 202 | 1.9 | 8 | 0.6 | 54 | 0.7 | 315 | 1.6 | \$20,000 to \$29,999.............| 264 | 1.3 | 212 | 2.0 | 17 | 1.3 | 34 | 0.4 | 351 | 1.8 | \$30,000 to \$39,999.............| 304 | 1.5 | 223 | 2.1 | 25 | 1.9 | 56 | 0.7 | 462 | 2.4 | \$40,000 or more................| 19,009 | 95.1 | 9,958 | 92.9 | 1,270 | 95.8 | 7,781 | 97.9 | 17,886 | 93.2 | Median deficit...........|\$40,000+ | (X) |\$40,000+ | (X) |\$40,000+ | (X) | \$40,000+ | (X) | \$40,000+ | (X) | --------------------------------------------------------------------------------------------------------------------------------------- Table 2-6: Affordability Deficit for Families and Unrelated Individuals That Cannot Afford Median-Priced Home in Area, by 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| Affordability |-------------------|-------------------|-------------------|--------------------|---------------------| deficit | Number | Percent | Number | Percent | Number | Percent | Number | Percent | Number | Percent | -------------------------------|---------|---------|---------|---------|---------|---------|----------|---------|-----------|---------| USING FHA, FIXED-RATE, 30-YEAR | | | | | | | | | | | FINANCING | | | | | | | | | | | | | | | | | | | | | | Total....................| 37,180 | 100.0 | 22,205 | 100.0 | 2,347 | 100.0 | 12,629 | 100.0 | 28,469 | 100.0 | Less than \$1,000.............. | 164 | 0.4 | 131 | 0.6 | 10 | 0.4 | 23 | 0.2 | 115 | 0.4 | \$1,000 to \$1,999.............. | 209 | 0.6 | 147 | 0.7 | 32 | 1.4 | 30 | 0.2 | 87 | 0.3 | \$2,000 to \$2,999...............| 259 | 0.7 | 214 | 1.0 | 0 | 0.0 | 45 | 0.4 | 113 | 0.4 | \$3,000 to \$4,999...............| 431 | 1.2 | 317 | 1.4 | 38 | 1.6 | 77 | 0.6 | 258 | 0.9 | \$5,000 to \$9,999...............| 1,196 | 3.2 | 938 | 4.2 | 64 | 2.7 | 194 | 1.5 | 640 | 2.2 | \$10,000 to \$19,999.............| 2,106 | 5.7 | 1,630 | 7.3 | 78 | 3.3 | 398 | 3.1 | 1,521 | 5.3 | \$20,000 to \$29,999.............| 2,104 | 5.7 | 1,549 | 7.0 | 80 | 3.4 | 475 | 3.8 | 1,416 | 5.0 | \$30,000 to \$39,999.............| 2,026 | 5.5 | 1,407 | 6.3 | 147 | 6.3 | 472 | 3.7 | 1,597 | 5.6 | \$40,000 or more................| 28,684 | 77.1 | 15,872 | 71.5 | 1,898 | 80.9 | 10,914 | 86.4 | 22,723 | 79.8 | Median deficit...........|\$40,000+ | (X) |\$40,000+ | (X) |\$40,000+ | (X) | \$40,000+ | (X) | \$40,000+ | (X) | | | | | | | | | | | | Current owners...........| 17,412 | 100.0 | 11,709 | 100.0 | 1,021 | 100.0 | 4,683 | 100.0 | 9,380 | 100.0 | Less than \$1,000.............. | 133 | 0.8 | 106 | 0.9 | 10 | 1.0 | 17 | 0.4 | 109 | 1.2 | \$1,000 to \$1,999.............. | 166 | 1.0 | 113 | 1.0 | 32 | 3.1 | 20 | 0.4 | 56 | 0.6 | \$2,000 to \$2,999...............| 229 | 1.3 | 184 | 1.6 | 0 | 0.0 | 45 | 1.0 | 75 | 0.8 | \$3,000 to \$4,999...............| 397 | 2.3 | 294 | 2.5 | 34 | 3.3 | 68 | 1.5 | 185 | 2.0 | \$5,000 to \$9,999...............| 1,062 | 6.1 | 833 | 7.1 | 53 | 5.2 | 176 | 3.8 | 523 | 5.6 | \$10,000 to \$19,999.............| 1,806 | 10.4 | 1,400 | 12.0 | 67 | 6.5 | 339 | 7.2 | 1,104 | 11.8 | \$20,000 to \$29,999.............| 1,724 | 9.9 | 1,226 | 10.5 | 72 | 7.0 | 427 | 9.1 | 1,024 | 10.9 | \$30,000 to \$39,999.............| 1,496 | 8.6 | 1,019 | 8.7 | 80 | 7.8 | 397 | 8.5 | 852 | 9.1 | \$40,000 or more................| 10,399 | 59.7 | 6,533 | 55.8 | 673 | 65.9 | 3,193 | 68.2 | 5,452 | 58.1 | Median deficit...........|\$40,000+ | (X) |\$40,000+ | (X) |\$40,000+ | (X) | \$40,000+ | (X) | \$40,000+ | (X) | | | | | | | | | | | | Current renters..........| 19,768 | 100.0 | 10,496 | 100.0 | 1,326 | 100.0 | 7,946 | 100.0 | 19,090 | 100.0 | Less than \$1,000.............. | 31 | 0.2 | 25 | 0.2 | 0 | 0.0 | 6 | 0.1 | 6 | 0.0 | \$1,000 to \$1,999.............. | 44 | 0.2 | 34 | 0.3 | 0 | 0.0 | 10 | 0.1 | 31 | 0.2 | \$2,000 to \$2,999...............| 30 | 0.2 | 30 | 0.3 | 0 | 0.0 | 0 | 0.0 | 38 | 0.2 | \$3,000 to \$4,999...............| 35 | 0.2 | 22 | 0.2 | 4 | 0.3 | 9 | 0.1 | 73 | 0.4 | \$5,000 to \$9,999...............| 134 | 0.7 | 105 | 1.0 | 11 | 0.8 | 18 | 0.2 | 117 | 0.6 | \$10,000 to \$19,999.............| 299 | 1.5 | 230 | 2.2 | 11 | 0.8 | 59 | 0.7 | 417 | 2.2 | \$20,000 to \$29,999.............| 380 | 1.9 | 323 | 3.1 | 8 | 0.6 | 49 | 0.6 | 392 | 2.1 | \$30,000 to \$39,999.............| 530 | 2.7 | 388 | 3.7 | 67 | 5.1 | 75 | 0.9 | 745 | 3.9 | \$40,000 or more................| 18,285 | 92.5 | 9,339 | 89.0 | 1,225 | 92.4 | 7,721 | 97.2 | 17,271 | 90.5 | Median deficit...........|\$40,000+ | (X) |\$40,000+ | (X) |\$40,000+ | (X) | \$40,000+ | (X) | \$40,000+ | (X) | ---------------------------------------------------------------------------------------------------------------------------------------