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, 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....................| 32,396 | 100.0 | 18,739 | 100.0 | 2,054 | 100.0 | 11,603 | 100.0 | 24,913 | 100.0 | Less than $1,000.............. | 167 | 0.5 | 104 | 0.6 | 10 | 0.5 | 54 | 0.5 | 109 | 0.4 | $1,000 to $1,999.............. | 163 | 0.5 | 106 | 0.6 | 21 | 1.0 | 36 | 0.3 | 163 | 0.7 | $2,000 to $2,999...............| 207 | 0.6 | 120 | 0.6 | 8 | 0.4 | 79 | 0.7 | 125 | 0.5 | $3,000 to $4,999...............| 361 | 1.1 | 265 | 1.4 | 17 | 0.9 | 78 | 0.7 | 273 | 1.1 | $5,000 to $9,999...............| 850 | 2.6 | 588 | 3.1 | 16 | 0.8 | 246 | 2.1 | 688 | 2.8 | $10,000 to $19,999.............| 1,471 | 4.5 | 967 | 5.2 | 98 | 4.8 | 406 | 3.5 | 1,155 | 4.6 | $20,000 to $29,999.............| 1,600 | 4.9 | 1,093 | 5.8 | 154 | 7.5 | 354 | 3.0 | 1,426 | 5.7 | $30,000 to $39,999.............| 2,182 | 6.7 | 1,522 | 8.1 | 164 | 8.0 | 496 | 4.3 | 1,753 | 7.0 | $40,000 or more................| 25,393 | 78.4 | 13,973 | 74.6 | 1,566 | 76.2 | 9,854 | 84.9 | 19,219 | 77.1 | Median deficit...........|$40,000+ | (X) | $40,000+ | (X) |$40,000+ | (X) | $40,000+ | (X) | $40,000+ | (X) | | | | | | | | | | | | Current owners...........| 13,092 | 100.0 | 8,572 | 100.0 | 755 | 100.0 | 3,765 | 100.0 | 6,548 | 100.0 | Less than $1,000.............. | 132 | 1.0 | 79 | 0.9 | 6 | 0.8 | 48 | 1.3 | 77 | 1.2 | $1,000 to $1,999.............. | 150 | 1.1 | 93 | 1.1 | 21 | 2.8 | 36 | 1.0 | 115 | 1.8 | $2,000 to $2,999...............| 189 | 1.4 | 102 | 1.2 | 8 | 1.1 | 79 | 2.1 | 92 | 1.4 | $3,000 to $4,999...............| 314 | 2.4 | 239 | 2.8 | 8 | 1.1 | 66 | 1.8 | 202 | 3.1 | $5,000 to $9,999...............| 696 | 5.3 | 460 | 5.4 | 11 | 1.5 | 224 | 6.0 | 451 | 6.9 | $10,000 to $19,999.............| 1,140 | 8.7 | 750 | 8.7 | 59 | 7.8 | 331 | 8.8 | 735 | 11.2 | $20,000 to $29,999.............| 1,139 | 8.7 | 742 | 8.7 | 119 | 15.8 | 278 | 7.4 | 706 | 10.8 | $30,000 to $39,999.............| 1,143 | 8.7 | 758 | 8.8 | 89 | 11.9 | 296 | 7.9 | 617 | 9.4 | $40,000 or more................| 8,189 | 62.5 | 5,350 | 62.4 | 432 | 57.3 | 2,406 | 63.9 | 3,554 | 54.3 | Median deficit...........|$40,000+ | (X) | $40,000+ | (X) |$40,000+ | (X) | $40,000+ | (X) | $40,000+ | (X) | | | | | | | | | | | | Current renters..........| 19,304 | 100.0 | 10,167 | 100.0 | 1,299 | 100.0 | 7,838 | 100.0 | 18,365 | 100.0 | Less than $1,000.............. | 35 | 0.2 | 25 | 0.2 | 4 | 0.3 | 6 | 0.1 | 33 | 0.2 | $1,000 to $1,999.............. | 13 | 0.1 | 13 | 0.1 | 0 | 0.0 | 0 | 0.0 | 49 | 0.3 | $2,000 to $2,999...............| 18 | 0.1 | 18 | 0.2 | 0 | 0.0 | 0 | 0.0 | 33 | 0.2 | $3,000 to $4,999...............| 47 | 0.2 | 26 | 0.3 | 9 | 0.7 | 12 | 0.2 | 71 | 0.4 | $5,000 to $9,999...............| 155 | 0.8 | 128 | 1.3 | 5 | 0.4 | 21 | 0.3 | 237 | 1.3 | $10,000 to $19,999.............| 331 | 1.7 | 218 | 2.1 | 39 | 3.0 | 74 | 0.9 | 421 | 2.3 | $20,000 to $29,999.............| 461 | 2.4 | 351 | 3.5 | 34 | 2.7 | 76 | 1.0 | 721 | 3.9 | $30,000 to $39,999.............| 1,039 | 5.4 | 764 | 7.5 | 75 | 5.8 | 200 | 2.6 | 1,136 | 6.2 | $40,000 or more................| 17,205 | 89.1 | 8,624 | 84.8 | 1,133 | 87.2 | 7,448 | 95.0 | 15,665 | 85.3 | 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, 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....................| 30,703 | 100.0 | 17,190 | 100.0 | 2,015 | 100.0 | 11,499 | 100.0 | 24,445 | 100.0 | Less than $1,000.............. | 169 | 0.5 | 124 | 0.7 | 8 | 0.4 | 37 | 0.3 | 189 | 0.8 | $1,000 to $1,999.............. | 197 | 0.6 | 129 | 0.7 | 15 | 0.7 | 53 | 0.5 | 136 | 0.6 | $2,000 to $2,999...............| 244 | 0.8 | 159 | 0.9 | 21 | 1.0 | 64 | 0.6 | 100 | 0.4 | $3,000 to $4,999...............| 362 | 1.2 | 262 | 1.5 | 13 | 0.7 | 86 | 0.8 | 348 | 1.4 | $5,000 to $9,999...............| 1,120 | 3.6 | 797 | 4.6 | 47 | 2.3 | 277 | 2.4 | 738 | 3.0 | $10,000 to $19,999.............| 1,876 | 6.1 | 1,291 | 7.5 | 119 | 5.9 | 465 | 4.0 | 1,582 | 6.5 | $20,000 to $29,999.............| 2,046 | 6.7 | 1,330 | 7.7 | 176 | 8.7 | 540 | 4.7 | 1,968 | 8.1 | $30,000 to $39,999.............| 3,126 | 10.2 | 2,038 | 11.9 | 169 | 8.4 | 919 | 8.0 | 2,605 | 10.7 | $40,000 or more................| 21,564 | 70.2 | 11,062 | 64.3 | 1,446 | 71.8 | 9,056 | 78.8 | 16,779 | 68.6 | Median deficit...........|$40,000+ | (X) | $40,000+ | (X) |$40,000+ | (X) | $40,000+ | (X) | $40,000+ | (X) | | | | | | | | | | | | Current owners...........| 11,833 | 100.0 | 7,387 | 100.0 | 743 | 100.0 | 3,703 | 100.0 | 6,396 | 100.0 | Less than $1,000.............. | 135 | 1.1 | 96 | 1.3 | 8 | 1.1 | 30 | 0.8 | 140 | 2.2 | $1,000 to $1,999.............. | 182 | 1.5 | 114 | 1.5 | 15 | 2.0 | 53 | 1.4 | 103 | 1.6 | $2,000 to $2,999...............| 183 | 1.5 | 118 | 1.6 | - | 0.0 | 64 | 1.7 | 80 | 1.2 | $3,000 to $4,999...............| 285 | 2.4 | 202 | 2.7 | 7 | 1.0 | 76 | 2.0 | 218 | 3.4 | $5,000 to $9,999...............| 904 | 7.6 | 617 | 8.4 | 31 | 4.1 | 256 | 6.9 | 460 | 7.2 | $10,000 to $19,999.............| 1,248 | 10.5 | 813 | 11.0 | 86 | 11.6 | 349 | 9.4 | 817 | 12.8 | $20,000 to $29,999.............| 1,052 | 8.9 | 590 | 8.0 | 110 | 14.8 | 352 | 9.5 | 787 | 12.3 | $30,000 to $39,999.............| 1,394 | 11.8 | 872 | 11.8 | 120 | 16.2 | 402 | 10.9 | 722 | 11.3 | $40,000 or more................| 6,450 | 54.5 | 3,965 | 53.7 | 365 | 49.2 | 2,120 | 57.2 | 3,070 | 48.0 | Median deficit...........|$40,000+ | (X) | $40,000+ | (X) | $39,600 | (X) | $40,000+ | (X) | $39,800 | (X) | | | | | | | | | | | | Current renters..........| 18,870 | 100.0 | 9,803 | 100.0 | 1,272 | 100.0 | 7,795 | 100.0 | 18,049 | 100.0 | Less than $1,000.............. | 34 | 0.2 | 28 | 0.3 | 0 | 0.0 | 6 | 0.1 | 49 | 0.3 | $1,000 to $1,999.............. | 15 | 0.1 | 15 | 0.2 | 0 | 0.0 | 0 | 0.0 | 33 | 0.2 | $2,000 to $2,999...............| 62 | 0.3 | 41 | 0.4 | 21 | 1.7 | 0 | 0.0 | 20 | 0.1 | $3,000 to $4,999...............| 76 | 0.4 | 60 | 0.6 | 6 | 0.4 | 11 | 0.1 | 130 | 0.7 | $5,000 to $9,999...............| 216 | 1.1 | 179 | 1.8 | 16 | 1.3 | 21 | 0.3 | 277 | 1.5 | $10,000 to $19,999.............| 628 | 3.3 | 478 | 4.9 | 34 | 2.6 | 116 | 1.5 | 765 | 4.2 | $20,000 to $29,999.............| 994 | 5.3 | 740 | 7.5 | 66 | 5.2 | 188 | 2.4 | 1,182 | 6.5 | $30,000 to $39,999.............| 1,732 | 9.2 | 1,166 | 11.9 | 49 | 3.8 | 517 | 6.6 | 1,884 | 10.4 | $40,000 or more................| 15,114 | 80.1 | 7,097 | 72.4 | 1,081 | 85.0 | 6,936 | 89.0 | 13,709 | 76.0 | Median deficit...........|$40,000+ | (X) | $40,000+ | (X) |$40,000+ | (X) | $40,000+ | (X) | $40,000+ | (X) | ----------------------------------------------------------------------------------------------------------------------------------------