Table 3-3. Affordability Status of Families and Unrelated Individuals for a Modestly Priced Home, by Age of Householder, 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 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 | | |----------------------| |----------------------| |----------------------| |----------------------| |----------------------| Age of householder | 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 | 32,396 | 44.4 | 54,753 | 18,739 | 34.2 | 3,207 | 2,054 | 64.1 | 14,935 | 11,603 | 77.7 | 37,911 | 24,913 | 65.7 | Under 25 years.................| 3,983 | 3,777 | 94.8 | 1,638 | 1,452 | 88.6 | 198 | 198 | 100.0 | 2,147 | 2,128 | 99.1 | 3,833 | 3,728 | 97.3 | 25 to 34 years.................| 15,274 | 10,676 | 69.9 | 10,507 | 6,262 | 59.6 | 679 | 575 | 84.7 | 4,088 | 3,839 | 93.9 | 8,606 | 7,197 | 83.6 | 35 to 44 years.................| 19,262 | 9,049 | 47.0 | 14,360 | 5,280 | 36.8 | 1,035 | 738 | 71.3 | 3,867 | 3,030 | 78.4 | 6,089 | 3,946 | 64.8 | 45 to 54 years.................| 14,069 | 4,665 | 33.2 | 11,379 | 3,050 | 26.8 | 579 | 268 | 46.2 | 2,110 | 1,347 | 63.8 | 4,829 | 3,045 | 63.1 | 55 to 64 years.................| 8,931 | 1,987 | 22.2 | 7,494 | 1,361 | 18.2 | 304 | 93 | 30.5 | 1,132 | 533 | 47.1 | 3,968 | 2,249 | 56.7 | 65 years or older..............| 11,377 | 2,243 | 19.7 | 9,375 | 1,334 | 14.2 | 412 | 183 | 44.4 | 1,590 | 726 | 45.6 | 10,586 | 4,748 | 44.9 | Median (years)...........| 43.9 | 36.9 | (X) | 45.8 | 38.1 | (X) | 42.0 | 38.4 | (X) | 38.2 | 34.6 | (X) | 45.9 | 38.9 | (X) | | | | | | | | | | | | | | | | | Current owners...........| 51,470 | 13,092 | 25.4 | 42,774 | 8,572 | 20.0 | 1,833 | 755 | 41.2 | 6,863 | 3,765 | 54.9 | 17,366 | 6,548 | 37.7 | Under 25 years.................| 1,424 | 1,234 | 86.7 | 624 | 454 | 72.7 | 56 | 56 | 100.0 | 744 | 725 | 97.5 | 675 | 605 | 89.7 | 25 to 34 years.................| 7,856 | 3,827 | 48.7 | 6,381 | 2,649 | 41.5 | 261 | 181 | 69.5 | 1,214 | 997 | 82.1 | 2,150 | 1,275 | 59.3 | 35 to 44 years.................| 13,409 | 3,765 | 28.1 | 11,193 | 2,554 | 22.8 | 562 | 279 | 49.7 | 1,653 | 932 | 56.4 | 2,757 | 1,146 | 41.5 | 45 to 54 years.................| 11,111 | 2,122 | 19.1 | 9,503 | 1,531 | 16.1 | 406 | 122 | 29.9 | 1,202 | 469 | 39.0 | 2,602 | 1,027 | 39.5 | 55 to 64 years.................| 7,679 | 975 | 12.7 | 6,641 | 709 | 10.7 | 226 | 23 | 10.3 | 812 | 243 | 29.9 | 2,354 | 788 | 33.5 | 65 years or older..............| 9,992 | 1,169 | 11.7 | 8,432 | 676 | 8.0 | 323 | 94 | 29.1 | 1,238 | 400 | 32.3 | 6,829 | 1,708 | 25.0 | Median (years)...........| 47.7 | 38.9 | (X) | 48.4 | 39.6 | (X) | 45.9 | 40.0 | (X) | 43.9 | 36.7 | (X) | 57.1 | 47.4 | (X) | | | | | | | | | | | | | | | | | Current renters..........| 21,424 | 19,304 | 90.1 | 11,979 | 10,167 | 84.9 | 1,374 | 1,299 | 94.6 | 8,073 | 7,838 | 97.1 | 20,545 | 18,365 | 89.4 | Under 25 years.................| 2,559 | 2,543 | 99.4 | 1,013 | 998 | 98.5 | 142 | 142 | 100.0 | 1,404 | 1,404 | 100.0 | 3,158 | 3,123 | 98.9 | 25 to 34 years.................| 7,418 | 6,849 | 92.3 | 4,127 | 3,614 | 87.6 | 418 | 394 | 94.2 | 2,874 | 2,841 | 98.8 | 6,457 | 5,923 | 91.7 | 35 to 44 years.................| 5,853 | 5,284 | 90.3 | 3,167 | 2,727 | 86.1 | 473 | 459 | 97.1 | 2,214 | 2,099 | 94.8 | 3,332 | 2,800 | 84.0 | 45 to 54 years.................| 2,957 | 2,543 | 86.0 | 1,876 | 1,518 | 80.9 | 173 | 146 | 84.2 | 908 | 879 | 96.7 | 2,227 | 2,018 | 90.6 | 55 to 64 years.................| 1,252 | 1,011 | 80.8 | 853 | 652 | 76.4 | 79 | 70 | 88.7 | 321 | 290 | 90.1 | 1,614 | 1,461 | 90.5 | 65 years or older..............| 1,384 | 1,073 | 77.6 | 943 | 659 | 69.9 | 89 | 89 | 100.0 | 352 | 326 | 92.5 | 3,757 | 3,040 | 80.9 | Median (years)...........| 36.3 | 35.5 | (X) | 37.7 | 36.7 | (X) | 37.7 | 37.5 | (X) | 34.2 | 33.9 | (X) | 37.0 | 35.5 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ Table 3-3. Affordability Status of Families and Unrelated Individuals for a Modestly Priced Home, by Age of Householder, 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 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 | | |----------------------| |----------------------| |----------------------| |----------------------| |----------------------| Age of householder | Total | Number | Percent | Total | Number | Percent | Total | Number | Percent | Total | Number | Percent | Total | Number | Percent | -------------------------------|--------|----------|-----------|--------|----------|-----------|--------|----------|-----------|--------|----------|-----------|--------|----------|-----------| USING FHA, FIXED-RATE, 30-YEAR | | | | | | | | | | | | | | | | FINANCING | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total....................| 72,895 | 30,703 | 42.1 | 54,753 | 17,190 | 31.4 | 3,207 | 2,015 | 62.8 | 14,935 | 11,499 | 77.0 | 37,911 | 24,445 | 64.5 | Under 25 years.................| 3,983 | 3,723 | 93.5 | 1,638 | 1,397 | 85.3 | 198 | 198 | 100.0 | 2,147 | 2,128 | 99.1 | 3,833 | 3,687 | 96.2 | 25 to 34 years.................| 15,274 | 9,989 | 65.4 | 10,507 | 5,647 | 53.7 | 679 | 561 | 82.6 | 4,088 | 3,781 | 92.5 | 8,606 | 7,003 | 81.4 | 35 to 44 years.................| 19,262 | 8,450 | 43.9 | 14,360 | 4,703 | 32.7 | 1,035 | 729 | 70.4 | 3,867 | 3,019 | 78.1 | 6,089 | 3,761 | 61.8 | 45 to 54 years.................| 14,069 | 4,376 | 31.1 | 11,379 | 2,802 | 24.6 | 579 | 252 | 43.5 | 2,110 | 1,322 | 62.7 | 4,829 | 2,961 | 61.3 | 55 to 64 years.................| 8,932 | 1,917 | 21.5 | 7,494 | 1,297 | 17.3 | 304 | 93 | 30.5 | 1,133 | 527 | 46.5 | 3,968 | 2,235 | 56.3 | 65 years or older..............| 11,377 | 2,249 | 19.8 | 9,375 | 1,345 | 14.3 | 412 | 183 | 44.4 | 1,590 | 721 | 45.3 | 10,586 | 4,797 | 45.3 | Median (years)...........| 43.9 | 36.9 | (X) | 45.8 | 38.3 | (X) | 42.0 | 38.4 | (X) | 38.2 | 34.6 | (X) | 45.9 | 39.1 | (X) | | | | | | | | | | | | | | | | | Current owners...........| 51,470 | 11,833 | 23.0 | 42,774 | 7,387 | 17.3 | 1,833 | 743 | 40.5 | 6,863 | 3,703 | 54.0 | 17,366 | 6,396 | 36.8 | Under 25 years.................| 1,424 | 1,201 | 84.4 | 624 | 421 | 67.4 | 56 | 56 | 100.0 | 744 | 725 | 97.5 | 675 | 594 | 88.1 | 25 to 34 years.................| 7,856 | 3,317 | 42.2 | 6,381 | 2,165 | 33.9 | 261 | 189 | 72.7 | 1,214 | 964 | 79.3 | 2,150 | 1,218 | 56.7 | 35 to 44 years.................| 13,409 | 3,305 | 24.6 | 11,193 | 2,103 | 18.8 | 562 | 275 | 48.8 | 1,653 | 927 | 56.1 | 2,757 | 1,077 | 39.0 | 45 to 54 years.................| 11,111 | 1,893 | 17.0 | 9,503 | 1,337 | 14.1 | 406 | 106 | 26.1 | 1,202 | 450 | 37.4 | 2,602 | 983 | 37.8 | 55 to 64 years.................| 7,679 | 926 | 12.1 | 6,641 | 660 | 9.9 | 226 | 23 | 10.3 | 812 | 243 | 29.9 | 2,354 | 781 | 33.2 | 65 years or older..............| 9,992 | 1,190 | 11.9 | 8,432 | 701 | 8.3 | 323 | 94 | 29.1 | 1,238 | 395 | 31.9 | 6,829 | 1,743 | 25.5 | Median (years)...........| 47.7 | 39.2 | (X) | 48.4 | 40.3 | (X) | 45.9 | 39.6 | (X) | 43.9 | 36.8 | (X) | 57.1 | 48.1 | (X) | | | | | | | | | | | | | | | | | Current renters..........| 21,424 | 18,870 | 88.1 | 11,979 | 9,803 | 81.8 | 1,374 | 1,272 | 92.6 | 8,072 | 7,795 | 96.6 | 20,545 | 18,049 | 87.8 | Under 25 years.................| 2,559 | 2,521 | 98.5 | 1,013 | 976 | 96.3 | 142 | 142 | 100.0 | 1,404 | 1,404 | 100.0 | 3,158 | 3,093 | 97.9 | 25 to 34 years.................| 7,418 | 6,672 | 89.9 | 4,127 | 3,483 | 84.4 | 418 | 371 | 88.9 | 2,874 | 2,818 | 98.0 | 6,457 | 5,785 | 89.6 | 35 to 44 years.................| 5,853 | 5,145 | 87.9 | 3,167 | 2,599 | 82.1 | 473 | 454 | 96.0 | 2,214 | 2,092 | 94.5 | 3,332 | 2,684 | 80.5 | 45 to 54 years.................| 2,957 | 2,483 | 84.0 | 1,876 | 1,464 | 78.1 | 173 | 146 | 84.2 | 908 | 873 | 96.1 | 2,227 | 1,978 | 88.8 | 55 to 64 years.................| 1,253 | 991 | 79.1 | 853 | 637 | 74.7 | 79 | 70 | 88.7 | 321 | 284 | 88.3 | 1,614 | 1,455 | 90.1 | 65 years or older..............| 1,384 | 1,059 | 76.5 | 943 | 644 | 68.3 | 89 | 89 | 100.0 | 352 | 326 | 92.5 | 3,757 | 3,055 | 81.3 | Median (years)...........| 36.3 | 35.5 | (X) | 37.7 | 36.7 | (X) | 37.7 | 37.7 | (X) | 34.2 | 33.9 | (X) | 37.0 | 35.6 | (X) | | | | | | | | | 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