Table 3-4. Affordability Status of Families and Unrelated Individuals for a Modestly 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 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 | | |----------------------| |----------------------| |----------------------| |----------------------| |----------------------| "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 | 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 | No income or loss..............| 4,793 | 4,525 | 94.4 | 1,020 | 859 | 84.2 | 357 | 310 | 87.0 | 3,417 | 3,356 | 98.2 | 3,170 | 2,913 | 91.9 | $1 to $4,999...................| 2,673 | 2,361 | 88.3 | 713 | 578 | 81.1 | 116 | 98 | 84.2 | 1,844 | 1,685 | 91.4 | 2,500 | 2,185 | 87.4 | $5,000 to $9,999...............| 4,511 | 3,373 | 74.8 | 1,723 | 1,173 | 68.1 | 452 | 387 | 85.7 | 2,336 | 1,813 | 77.6 | 6,773 | 4,881 | 72.1 | $10,000 to $14,999.............| 6,134 | 3,906 | 63.7 | 3,619 | 2,003 | 55.4 | 457 | 279 | 61.0 | 2,059 | 1,624 | 78.9 | 6,731 | 4,592 | 68.2 | $15,000 to $19,999.............| 6,545 | 3,476 | 53.1 | 4,474 | 2,030 | 45.4 | 476 | 321 | 67.4 | 1,595 | 1,126 | 70.6 | 4,949 | 3,251 | 65.7 | $20,000 to $24,999.............| 6,475 | 2,892 | 44.7 | 4,924 | 1,834 | 37.2 | 345 | 233 | 67.7 | 1,206 | 824 | 68.4 | 3,737 | 2,378 | 63.6 | $25,000 to $29,999.............| 5,781 | 2,394 | 41.4 | 4,791 | 1,865 | 38.9 | 227 | 118 | 51.9 | 763 | 411 | 53.9 | 2,380 | 1,349 | 56.7 | $30,000 to $34,999.............| 5,161 | 1,923 | 37.3 | 4,430 | 1,497 | 33.8 | 177 | 88 | 49.5 | 554 | 338 | 61.1 | 2,107 | 1,104 | 52.4 | $35,000 to $39,999.............| 4,741 | 1,690 | 35.6 | 4,083 | 1,425 | 34.9 | 197 | 71 | 36.1 | 461 | 194 | 42.0 | 1,559 | 820 | 52.6 | $40,000 to $44,999.............| 4,167 | 1,452 | 34.8 | 3,841 | 1,300 | 33.9 | 115 | 57 | 49.8 | 212 | 94 | 44.6 | 1,063 | 526 | 49.5 | $45,000 to $49,999.............| 3,514 | 1,106 | 31.5 | 3,289 | 1,035 | 31.5 | 94 | 34 | 36.0 | 131 | 37 | 28.4 | 768 | 265 | 34.5 | $50,000 to $59,999.............| 5,444 | 1,274 | 23.4 | 5,197 | 1,190 | 22.9 | 67 | 22 | 32.5 | 180 | 63 | 34.7 | 884 | 319 | 36.1 | $60,000 or more................| 12,954 | 2,024 | 15.6 | 12,649 | 1,951 | 15.4 | 128 | 37 | 28.7 | 178 | 37 | 20.8 | 1,288 | 330 | 25.6 | Median...................| $29,600 | $17,900 | (X) | $37,100 | $27,400 | (X) | $17,300 | $14,200 | (X) | $9,700 | $7,100 | (X) | $14,800 | $12,700 | (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 | No income or loss..............| 1,421 | 1,162 | 81.7 | 438 | 283 | 64.5 | 147 | 101 | 68.5 | 836 | 778 | 93.1 | 855 | 636 | 74.3 | $1 to $4,999...................| 1,149 | 852 | 74.2 | 348 | 219 | 62.8 | 76 | 57 | 75.8 | 725 | 577 | 79.5 | 956 | 677 | 70.8 | $5,000 to $9,999...............| 2,545 | 1,426 | 56.0 | 1,105 | 563 | 51.0 | 179 | 119 | 66.3 | 1,261 | 744 | 59.0 | 3,330 | 1,603 | 48.1 | $10,000 to $14,999.............| 3,703 | 1,534 | 41.4 | 2,417 | 844 | 34.9 | 283 | 105 | 37.0 | 1,003 | 585 | 58.3 | 2,992 | 1,099 | 36.7 | $15,000 to $19,999.............| 4,295 | 1,344 | 31.3 | 3,186 | 840 | 26.4 | 267 | 115 | 43.1 | 842 | 389 | 46.2 | 2,229 | 787 | 35.3 | $20,000 to $24,999.............| 4,491 | 1,095 | 24.4 | 3,714 | 779 | 21.0 | 188 | 75 | 40.2 | 589 | 240 | 40.7 | 1,720 | 587 | 34.1 | $25,000 to $29,999.............| 4,174 | 970 | 23.2 | 3,565 | 763 | 21.4 | 136 | 40 | 29.6 | 473 | 166 | 35.2 | 1,241 | 351 | 28.3 | $30,000 to $34,999.............| 3,760 | 761 | 20.2 | 3,342 | 595 | 17.8 | 117 | 38 | 32.6 | 302 | 128 | 42.4 | 967 | 250 | 25.9 | $35,000 to $39,999.............| 3,655 | 771 | 21.1 | 3,191 | 652 | 20.4 | 155 | 54 | 35.2 | 309 | 64 | 20.8 | 781 | 184 | 23.6 | $40,000 to $44,999.............| 3,273 | 675 | 20.6 | 3,039 | 616 | 20.3 | 86 | 28 | 32.6 | 149 | 31 | 21.1 | 523 | 125 | 23.8 | $45,000 to $49,999.............| 2,862 | 577 | 20.2 | 2,711 | 562 | 20.7 | 59 | 4 | 6.7 | 92 | 11 | 11.8 | 443 | 76 | 17.2 | $50,000 to $59,999.............| 4,639 | 673 | 14.5 | 4,455 | 642 | 14.4 | 44 | 3 | 6.9 | 140 | 28 | 19.7 | 549 | 111 | 20.3 | $60,000 or more................| 11,504 | 1,253 | 10.9 | 11,264 | 1,213 | 10.8 | 98 | 15 | 15.2 | 142 | 25 | 17.7 | 781 | 62 | 8.0 | Median...................| $35,300 | $21,000 | (X) | $40,100 | $30,000 | (X) | $19,300 | $14,800 | (X) | $13,000 | $8,500 | (X) | $16,200 | $11,600 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Table 3-4. Affordability Status of Families and Unrelated Individuals for a Modestly 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 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 | | |----------------------| |----------------------| |----------------------| |----------------------| |----------------------| "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 | 19,304 | 90.1 | 11,979 | 10,167 | 84.9 | 1,374 | 1,299 | 94.6 | 8,072 | 7,838 | 97.1 | 20,545 | 18,365 | 89.4 | No income or loss..............| 3,372 | 3,363 | 99.7 | 582 | 576 | 99.0 | 209 | 209 | 100.0 | 2,581 | 2,578 | 99.9 | 2,315 | 2,277 | 98.4 | $1 to $4,999...................| 1,524 | 1,509 | 99.0 | 365 | 360 | 98.5 | 40 | 40 | 100.0 | 1,119 | 1,108 | 99.1 | 1,544 | 1,508 | 97.6 | $5,000 to $9,999...............| 1,966 | 1,947 | 99.0 | 619 | 610 | 98.6 | 273 | 269 | 98.5 | 1,075 | 1,069 | 99.4 | 3,443 | 3,278 | 95.2 | $10,000 to $14,999.............| 2,431 | 2,373 | 97.6 | 1,202 | 1,159 | 96.4 | 174 | 174 | 100.0 | 1,055 | 1,040 | 98.5 | 3,739 | 3,492 | 93.4 | $15,000 to $19,999.............| 2,250 | 2,132 | 94.7 | 1,289 | 1,190 | 92.3 | 209 | 206 | 98.6 | 753 | 737 | 97.8 | 2,720 | 2,465 | 90.6 | $20,000 to $24,999.............| 1,985 | 1,797 | 90.5 | 1,210 | 1,055 | 87.1 | 158 | 158 | 100.0 | 617 | 585 | 94.8 | 2,018 | 1,791 | 88.8 | $25,000 to $29,999.............| 1,607 | 1,425 | 88.6 | 1,226 | 1,102 | 89.9 | 92 | 78 | 85.0 | 290 | 245 | 84.6 | 1,140 | 998 | 87.5 | $30,000 to $34,999.............| 1,401 | 1,161 | 82.9 | 1,088 | 901 | 82.9 | 60 | 49 | 82.2 | 252 | 211 | 83.4 | 1,140 | 854 | 74.9 | $35,000 to $39,999.............| 1,086 | 919 | 84.6 | 893 | 773 | 86.6 | 42 | 17 | 39.6 | 152 | 129 | 85.3 | 778 | 636 | 81.7 | $40,000 to $44,999.............| 894 | 777 | 86.9 | 802 | 685 | 85.4 | 29 | 29 | 100.0 | 63 | 63 | 100.0 | 541 | 402 | 74.3 | $45,000 to $49,999.............| 652 | 529 | 81.2 | 578 | 473 | 81.9 | 35 | 30 | 84.9 | 39 | 26 | 67.5 | 326 | 189 | 58.1 | $50,000 to $59,999.............| 805 | 601 | 74.7 | 742 | 547 | 73.8 | 23 | 19 | 82.0 | 40 | 35 | 87.2 | 335 | 208 | 62.1 | $60,000 or more................| 1,450 | 771 | 53.2 | 1,385 | 738 | 53.3 | 30 | 22 | 73.2 | 36 | 12 | 33.2 | 507 | 267 | 52.7 | Median...................| $18,200 | $16,100 | (X) | $27,900 | $25,600 | (X) | $14,700 | $13,800 | (X) | $6,600 | $6,100 | (X) | $14,000 | $13,000 | (X) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 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 | No income or loss..............| 4,793 | 4,525 | 94.4 | 1,020 | 859 | 84.2 | 357 | 310 | 87.0 | 3,417 | 3,356 | 98.2 | 3,170 | 2,913 | 91.9 | $1 to $4,999...................| 2,673 | 2,351 | 87.9 | 713 | 578 | 81.1 | 116 | 98 | 84.2 | 1,844 | 1,675 | 90.8 | 2,500 | 2,185 | 87.4 | $5,000 to $9,999...............| 4,511 | 3,375 | 74.8 | 1,723 | 1,184 | 68.7 | 452 | 387 | 85.7 | 2,336 | 1,803 | 77.2 | 6,773 | 4,882 | 72.1 | $10,000 to $14,999.............| 6,134 | 3,926 | 64.0 | 3,619 | 2,019 | 55.8 | 457 | 279 | 61.0 | 2,059 | 1,629 | 79.1 | 6,731 | 4,632 | 68.8 | $15,000 to $19,999.............| 6,545 | 3,505 | 53.6 | 4,474 | 2,059 | 46.0 | 476 | 321 | 67.4 | 1,595 | 1,126 | 70.6 | 4,949 | 3,265 | 66.0 | $20,000 to $24,999.............| 6,475 | 2,812 | 43.4 | 4,924 | 1,761 | 35.8 | 345 | 237 | 68.7 | 1,206 | 814 | 67.6 | 3,737 | 2,356 | 63.0 | $25,000 to $29,999.............| 5,781 | 2,263 | 39.1 | 4,791 | 1,748 | 36.5 | 227 | 118 | 51.9 | 763 | 396 | 52.0 | 2,380 | 1,282 | 53.8 | $30,000 to $34,999.............| 5,161 | 1,787 | 34.6 | 4,430 | 1,382 | 31.2 | 177 | 83 | 46.8 | 554 | 323 | 58.2 | 2,107 | 1,037 | 49.2 | $35,000 to $39,999.............| 4,741 | 1,396 | 29.4 | 4,083 | 1,175 | 28.8 | 197 | 49 | 24.8 | 461 | 172 | 37.2 | 1,559 | 722 | 46.3 | $40,000 to $44,999.............| 4,167 | 1,255 | 30.1 | 3,841 | 1,109 | 28.9 | 115 | 57 | 49.8 | 212 | 89 | 42.1 | 1,063 | 419 | 39.4 | $45,000 to $49,999.............| 3,514 | 936 | 26.6 | 3,289 | 871 | 26.5 | 94 | 34 | 36.0 | 131 | 32 | 24.2 | 768 | 209 | 27.2 | $50,000 to $59,999.............| 5,444 | 967 | 17.8 | 5,197 | 894 | 17.2 | 67 | 22 | 32.5 | 180 | 51 | 28.5 | 884 | 253 | 28.6 | $60,000 or more................| 12,954 | 1,605 | 12.4 | 12,649 | 1,552 | 12.3 | 128 | 21 | 16.5 | 178 | 32 | 18.0 | 1,288 | 291 | 22.6 | Median...................| $29,600 | $16,700 | (X) | $37,100 | $25,400 | (X) | $17,300 | $13,800 | (X) | $9,700 | $7,000 | (X) | $14,800 | $12,400 | (X) | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Table 3-4. Affordability Status of Families and Unrelated Individuals for a Modestly 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 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 | | |----------------------| |----------------------| |----------------------| |----------------------| |----------------------| "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 | 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 | No income or loss..............| 1,421 | 1,162 | 81.7 | 438 | 283 | 64.5 | 147 | 101 | 68.5 | 836 | 778 | 93.1 | 855 | 636 | 74.3 | $1 to $4,999...................| 1,149 | 843 | 73.3 | 348 | 219 | 62.8 | 76 | 57 | 75.8 | 725 | 567 | 78.1 | 956 | 677 | 70.8 | $5,000 to $9,999...............| 2,545 | 1,428 | 56.1 | 1,105 | 574 | 52.0 | 179 | 119 | 66.3 | 1,261 | 735 | 58.3 | 3,330 | 1,604 | 48.2 | $10,000 to $14,999.............| 3,703 | 1,548 | 41.8 | 2,417 | 854 | 35.3 | 283 | 105 | 37.0 | 1,003 | 589 | 58.8 | 2,992 | 1,130 | 37.8 | $15,000 to $19,999.............| 4,295 | 1,361 | 31.7 | 3,186 | 856 | 26.9 | 267 | 115 | 43.1 | 842 | 389 | 46.2 | 2,229 | 801 | 35.9 | $20,000 to $24,999.............| 4,491 | 1,071 | 23.8 | 3,714 | 748 | 20.1 | 188 | 84 | 44.7 | 589 | 239 | 40.6 | 1,720 | 575 | 33.4 | $25,000 to $29,999.............| 4,174 | 857 | 20.5 | 3,565 | 662 | 18.6 | 136 | 40 | 29.6 | 473 | 154 | 32.7 | 1,241 | 316 | 25.5 | $30,000 to $34,999.............| 3,760 | 664 | 17.7 | 3,342 | 512 | 15.3 | 117 | 33 | 28.5 | 302 | 119 | 39.4 | 967 | 226 | 23.4 | $35,000 to $39,999.............| 3,655 | 580 | 15.9 | 3,191 | 487 | 15.3 | 155 | 39 | 25.2 | 309 | 54 | 17.5 | 781 | 152 | 19.5 | $40,000 to $44,999.............| 3,273 | 528 | 16.1 | 3,039 | 474 | 15.6 | 86 | 28 | 32.6 | 149 | 26 | 17.5 | 523 | 83 | 15.8 | $45,000 to $49,999.............| 2,862 | 437 | 15.3 | 2,711 | 422 | 15.6 | 59 | 4 | 6.7 | 92 | 11 | 11.8 | 443 | 49 | 11.1 | $50,000 to $59,999.............| 4,639 | 416 | 9.0 | 4,455 | 391 | 8.8 | 44 | 3 | 6.9 | 140 | 22 | 15.9 | 549 | 84 | 15.3 | $60,000 or more................| 11,504 | 940 | 8.2 | 11,264 | 905 | 8.0 | 98 | 15 | 15.2 | 142 | 20 | 14.1 | 781 | 62 | 8.0 | Median...................| $35,300 | $18,400 | (X) | $40,100 | $26,200 | (X) | $19,300 | $14,500 | (X) | $13,000 | $8,400 | (X) | $16,200 | $11,200 | (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 | 87.9 | No income or loss..............| 3,372 | 3,364 | 99.8 | 582 | 576 | 99.0 | 209 | 209 | 100.0 | 2,581 | 2,578 | 99.9 | 2,315 | 2,277 | 98.4 | $1 to $4,999...................| 1,524 | 1,509 | 99.0 | 365 | 360 | 98.5 | 40 | 40 | 100.0 | 1,119 | 1,108 | 99.1 | 1,544 | 1,508 | 97.6 | $5,000 to $9,999...............| 1,966 | 1,947 | 99.0 | 619 | 610 | 98.6 | 273 | 269 | 98.5 | 1,075 | 1,069 | 99.4 | 3,443 | 3,278 | 95.2 | $10,000 to $14,999.............| 2,431 | 2,378 | 97.8 | 1,202 | 1,164 | 96.9 | 174 | 174 | 100.0 | 1,055 | 1,040 | 98.5 | 3,739 | 3,502 | 93.7 | $15,000 to $19,999.............| 2,250 | 2,145 | 95.3 | 1,289 | 1,202 | 93.3 | 209 | 206 | 98.6 | 753 | 737 | 97.8 | 2,720 | 2,465 | 90.6 | $20,000 to $24,999.............| 1,985 | 1,741 | 87.7 | 1,210 | 1,013 | 83.7 | 158 | 153 | 96.9 | 617 | 575 | 93.2 | 2,018 | 1,781 | 88.3 | $25,000 to $29,999.............| 1,607 | 1,406 | 87.5 | 1,226 | 1,086 | 88.6 | 92 | 78 | 85.0 | 290 | 242 | 83.5 | 1,140 | 965 | 84.7 | $30,000 to $34,999.............| 1,401 | 1,124 | 80.2 | 1,088 | 870 | 80.0 | 60 | 49 | 82.2 | 252 | 204 | 80.8 | 1,140 | 811 | 71.1 | $35,000 to $39,999.............| 1,086 | 816 | 75.1 | 893 | 688 | 77.1 | 42 | 10 | 23.4 | 152 | 118 | 77.5 | 778 | 570 | 73.2 | $40,000 to $44,999.............| 894 | 727 | 81.3 | 802 | 635 | 79.2 | 29 | 29 | 100.0 | 63 | 63 | 100.0 | 541 | 336 | 62.1 | $45,000 to $49,999.............| 652 | 499 | 76.6 | 578 | 449 | 77.7 | 35 | 30 | 84.9 | 39 | 21 | 53.3 | 326 | 160 | 49.1 | $50,000 to $59,999.............| 805 | 551 | 68.4 | 742 | 503 | 67.8 | 23 | 19 | 82.0 | 40 | 29 | 72.6 | 335 | 169 | 50.5 | $60,000 or more................| 1,450 | 665 | 45.8 | 1,385 | 647 | 46.7 | 30 | 6 | 20.6 | 36 | 12 | 33.2 | 507 | 228 | 45.0 | Median...................| $18,200 | $15,600 | (X) | $27,900 | $24,900 | (X) | $14,700 | $13,400 | (X) | $6,600 | $6,000 | (X) | $14,000 | $12,800 | (X) | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------