U.S. Census Bureau
 American Housing Survey (AHS)




American Housing Survey for the United States: 2001


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American Housing Survey 2001 Using 2000 Controls
Table 5-19. Detailed Tenure by Financial Characteristics--Occupied Units With Black Householder
(Numbers in thousands)
Owner Occupied
With mortgage
With no mortgage
Renter Occupied
Not specified
Not specified
All renters
Unsubsidized
renters@15
Total Specified@22 Condo
or
Coop		 Other Total Specified Condo
or
Coop		 Other Specified@23 Other Specified Other

Total		 3995 3421 131 443 2291 1836 70 385 6879 58 4902 53

Income of Families and Primary
Individuals

Less than $5,000		 180 149 8 23 183 164 7 12 1008 8 566 8
$5,000 to $9,999 159 118 3 38 262 191 2 68 997 13 535 11
$10,000 to $14,999 206 146 7 53 282 225 6 51 785 3 528 3
$15,000 to $19,999 210 175 2 32 215 165 8 43 758 5 533 5
$20,000 to $24,999 264 208 3 53 207 142 0 64 619 5 463 5
$25,000 to $29,999 284 227 12 45 163 133 5 25 610 3 483 3
$30,000 to $34,999 298 250 4 43 179 135 8 35 456 4 388 4
$35,000 to $39,999 226 204 11 11 107 92 3 12 431 3 376 3
$40,000 to $49,999 416 340 25 51 168 150 0 18 466 5 398 3
$50,000 to $59,999 323 290 20 13 132 107 5 19 280 3 229 3
$60,000 to $79,999 493 442 12 38 178 145 14 19 272 5 241 5
$80,000 to $99,999 413 380 20 13 83 72 4 6 104 0 93 0
$100,000 to $119,999 209 197 0 12 44 42 0 2 44 0 31 0
$120,000 or more 317 295 6 16 89 73 7 9 50 0 41 0
Median 44135 46872 46506 27389 24914 26150 33876 21446 19276 18456 23127 18487

Monthly Housing Costs

Less than $100		 6 3 0 3 134 91 11 31 165 3 18 0
$100 to $199 41 18 0 23 586 427 8 152 403 0 85 0
$200 to $249 49 39 10 0 419 345 0 74 240 0 75 0
$250 to $299 49 37 3 10 314 271 18 26 265 3 121 3
$300 to $349 103 76 2 24 231 214 5 13 232 8 141 5
$350 to $399 103 93 0 10 146 118 5 23 312 0 202 0
$400 to $449 147 125 6 16 84 69 3 12 410 2 316 2
$450 to $499 167 131 8 28 87 56 7 24 417 5 309 5
$500 to $599 406 322 16 67 143 129 2 12 1009 3 835 3
$600 to $699 358 299 8 51 60 52 0 8 961 6 809 6
$700 to $799 393 327 15 51 41 29 5 7 724 9 628 9
$800 to $999 654 551 9 93 25 19 4 2 834 6 716 6
$1,000 to $1,249 540 517 14 10 15 12 2 0 324 5 274 5
$1,250 to $1,499 353 304 23 26 3 3 0 0 118 0 100 0
$1,500 or more 627 578 16 32 1 1 0 0 84 0 64 0
No cash rent 0 0 0 0 0 0 0 0 384 10 210 10
Median (excludes no cash rent) 853 886 781 680 251 260 295 206 579 624 630 670

Median Monthly Housing Costs for
Owners

Monthly costs including all mortgages
plus maintenance costs		 892 928 853 709 279 288 318 233 100- 100- 100- 100-
Monthly costs excluding second and
subsequent mortgages and maintenance
costs		 823 854 781 662 251 260 295 206 100- 100- 100- 100-

Monthly Housing Costs as Percent of
Current Income@3

Less than 5 percent		 44 31 3 10 283 217 21 45 83 0 42 0
5 to 9 percent 263 222 13 27 644 533 12 99 200 3 127 0
10 to 14 percent 579 514 18 48 411 301 12 98 451 3 323 0
15 to 19 percent 610 538 15 57 228 198 3 28 652 11 503 11
20 to 24 percent 573 504 31 38 142 116 3 24 817 0 616 0
25 to 29 percent 402 348 14 40 123 88 6 29 687 11 473 11
30 to 34 percent 325 282 6 37 87 71 3 13 572 0 428 0
35 to 39 percent 222 206 1 15 38 33 0 4 422 0 286 0
40 to 49 percent 251 201 2 48 79 66 4 10 562 3 448 3
50 to 59 percent 173 141 6 26 29 25 0 3 458 9 311 9
60 to 69 percent 104 84 0 20 25 14 0 11 259 0 200 0
70 to 99 percent 168 120 10 39 33 27 0 7 332 0 264 0
100 percent or more@4 217 174 11 32 103 91 5 7 602 6 395 6
Zero or negative income 65 58 0 7 65 57 2 5 397 3 277 3
No cash rent 0 0 0 0 0 0 0 0 384 10 210 10
Median (excludes 2 previous lines) 24.0 23.7 22.6 29.7 12.2 12.3 10.2 12.3 31.3 27.9 31.4 29.0
Median (excludes 3 lines before medians) 23.1 22.8 21.7 27.7 11.6 11.5 9.3 12.1 28.9 26.6 29.2 27.8

OWNER OCCUPIED UNITS

Total		 3995 3421 131 443 2291 1836 70 385 0 0 0 0

Value

Less than $10,000		 39 2 0 36 105 17 5 83 0 0 0 0
$10,000 to $19,999 45 17 2 26 73 56 0 17 0 0 0 0
$20,000 to $29,999 77 50 2 25 154 101 0 54 0 0 0 0
$30,000 to $39,999 161 114 2 45 192 137 3 53 0 0 0 0
$40,000 to $49,999 218 177 10 31 155 125 5 26 0 0 0 0
$50,000 to $59,999 290 197 14 79 161 130 3 28 0 0 0 0
$60,000 to $69,999 330 296 13 22 179 160 0 18 0 0 0 0
$70,000 to $79,999 313 256 10 48 201 175 10 17 0 0 0 0
$80,000 to $99,999 615 579 14 23 355 303 17 35 0 0 0 0
$100,000 to $119,999 371 306 15 49 178 154 7 17 0 0 0 0
$120,000 to $149,999 453 421 17 15 166 156 3 8 0 0 0 0
$150,000 to $199,999 498 470 18 10 191 169 7 15 0 0 0 0
$200,000 to $249,999 233 218 2 14 61 51 7 3 0 0 0 0
$250,000 to $299,999 120 115 5 0 22 22 0 0 0 0 0 0
$300,000 or more 233 206 6 21 97 82 4 11 0 0 0 0
Median 97083 101633 98124 57324 76249 81161 91924 37293 10000- 10000- 10000- 10000-

Ratio of Value to Current Income

Less than 1.5		 1189 973 30 186 623 416 26 181 0 0 0 0
1.5 to 1.9 539 481 26 32 285 220 5 60 0 0 0 0
2.0 to 2.4 495 443 23 29 167 146 2 19 0 0 0 0
2.5 to 2.9 414 361 17 36 182 170 7 5 0 0 0 0
3.0 to 3.9 442 380 5 57 271 218 5 49 0 0 0 0
4.0 to 4.9 217 205 0 12 134 115 3 16 0 0 0 0
5.0 or more 634 520 31 83 564 495 20 49 0 0 0 0
Zero or negative income 65 58 0 7 65 57 2 5 0 0 0 0
Median 2.2 2.3 2.2 2.0 2.6 2.8 2.5 1.6 0.0 0.0 0.0 0.0

Average Monthly Cost Paid for
Real Estate Taxes

Less than $25		 799 581 25 193 783 586 19 178 0 0 0 0
$25 to $49 593 500 19 73 481 354 5 122 0 0 0 0
$50 to $74 593 513 18 63 293 254 18 21 0 0 0 0
$75 to $99 437 416 6 14 194 182 3 9 0 0 0 0
$100 to $149 670 582 38 50 217 181 9 27 0 0 0 0
$150 to $199 319 292 8 19 125 108 2 15 0 0 0 0
$200 or more 584 538 17 30 197 171 14 13 0 0 0 0
Median 75 82 87 34 43 48 65 27 25- 25- 25- 25-

OWNERS WITH ONE OR MORE REGULAR OR LUMP-SUM HOME-EQUITY MORTGAGES

Total		 3914 3350 123 441 0 0 0 0 0 0 0 0

Monthly Payment for Principal
and Interest

One or more regular mortgages		 3914 3350 123 441 0 0 0 0 0 0 0 0
Less than $100 138 99 0 39 0 0 0 0 0 0 0 0
$100 to $199 239 200 3 36 0 0 0 0 0 0 0 0
$200 to $249 196 145 11 40 0 0 0 0 0 0 0 0
$250 to $299 232 200 11 21 0 0 0 0 0 0 0 0
$300 to $349 214 168 9 37 0 0 0 0 0 0 0 0
$350 to $399 287 219 16 51 0 0 0 0 0 0 0 0
$400 to $449 241 202 2 37 0 0 0 0 0 0 0 0
$450 to $499 203 173 3 28 0 0 0 0 0 0 0 0
$500 to $599 404 360 13 31 0 0 0 0 0 0 0 0
$600 to $699 386 328 9 48 0 0 0 0 0 0 0 0
$700 to $799 288 255 9 24 0 0 0 0 0 0 0 0
$800 to $999 402 375 9 18 0 0 0 0 0 0 0 0
$1,000 to $1,249 278 257 16 4 0 0 0 0 0 0 0 0
$1,250 to $1,499 143 127 5 11 0 0 0 0 0 0 0 0
$1,500 or more 264 242 5 17 0 0 0 0 0 0 0 0
Median 551 574 543 396 100- 100- 100- 100- 100- 100- 100- 100-

Type of Primary Mortgage

FHA		 1017 943 38 36 0 0 0 0 0 0 0 0
VA 270 238 15 17 0 0 0 0 0 0 0 0
RHS/RD 48 39 0 9 0 0 0 0 0 0 0 0
Other types 2215 1835 63 317 0 0 0 0 0 0 0 0
Don't know 38 15 3 19 0 0 0 0 0 0 0 0
Not reported 327 280 4 43 0 0 0 0 0 0 0 0

Mortgage Origination

Placed new mortgage(s)		 3833 3286 120 427 0 0 0 0 0 0 0 0
Primary obtained when property
acquired		 2966 2486 106 374 0 0 0 0 0 0 0 0
Obtained later 866 800 14 52 0 0 0 0 0 0 0 0
Assumed 62 47 3 11 0 0 0 0 0 0 0 0
Wrap-around 2 0 0 2 0 0 0 0 0 0 0 0
Combination of the above 17 17 0 0 0 0 0 0 0 0 0 0

Payment Plan of Primary Mortgage

Fixed payment, self-amortizing		 3111 2651 114 346 0 0 0 0 0 0 0 0
Adjustable rate mortgage 163 155 0 8 0 0 0 0 0 0 0 0
Adjustable term mortgage 41 41 0 0 0 0 0 0 0 0 0 0
Graduated payment mortgage 45 45 0 0 0 0 0 0 0 0 0 0
Balloon 18 15 0 3 0 0 0 0 0 0 0 0
Other 0 0 0 0 0 0 0 0 0 0 0 0
Combination of the above 28 28 0 0 0 0 0 0 0 0 0 0
Not reported 508 414 10 84 0 0 0 0 0 0 0 0

Payment Plan of Secondary Mortgage

Units with two or more mortgages		 394 363 3 28 0 0 0 0 0 0 0 0
Fixed payment, self-amortizing 341 312 0 28 0 0 0 0 0 0 0 0
Adjustable rate mortgage 11 11 0 0 0 0 0 0 0 0 0 0
Adjustable term mortgage 19 16 3 0 0 0 0 0 0 0 0 0
Graduated payment mortgage 0 0 0 0 0 0 0 0 0 0 0 0
Balloon 5 5 0 0 0 0 0 0 0 0 0 0
Other 0 0 0 0 0 0 0 0 0 0 0 0
Combination of the above 3 3 0 0 0 0 0 0 0 0 0 0
Not reported 16 16 0 0 0 0 0 0 0 0 0 0

Lenders of Primary and Secondary
Mortgages

Only borrowed from firm(s)		 3434 2954 113 366 0 0 0 0 0 0 0 0
Only borrowed from seller 20 20 0 0 0 0 0 0 0 0 0 0
Only borrowed from other individual(s) 23 16 2 5 0 0 0 0 0 0 0 0
Borrowed from a firm and seller 5 5 0 0 0 0 0 0 0 0 0 0
Borrowed from a firm and other
individual		 2 2 0 0 0 0 0 0 0 0 0 0
Borrowed from seller and other
individual		 0 0 0 0 0 0 0 0 0 0 0 0
One or both sources not reported 430 353 8 69 0 0 0 0 0 0 0 0
@22Limited to one-unit structures on less than 10 acres and no business on property.
@23Excludes one-unit structures on 10 acres or more.
@15Excludes units in public housing projects and housing units with government rent subsidies.
@3Beginning with 1989, this item uses current income in its calculation, see Appendix A.
@4May reflect a temporary situation, living off savings, or response error.

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Source: U.S. Census Bureau, Housing and Household Economic Statistics Division