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




American Housing Survey for the United States: 2001


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Table 3-19. Detailed Tenure by Financial Characteristics--Owner Occupied Units
[Numbers in thousands.  Consistent with the 1990 Census.  ... means not applicable or sample too small.  - means zero or rounds to zero.]
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		 45007 37908 2377 4722 27258 20413 1425 5420 0 0 0 0

Income of Families and Primary
Individuals

Less than $5,000		 1272 975 108 189 2012 1489 123 400 0 0 0 0
$5,000 to $9,999 747 546 40 161 2033 1380 106 546 0 0 0 0
$10,000 to $14,999 1125 829 77 219 2666 1903 154 609 0 0 0 0
$15,000 to $19,999 1401 1057 36 308 2452 1744 126 582 0 0 0 0
$20,000 to $24,999 1710 1314 72 324 2325 1655 91 580 0 0 0 0
$25,000 to $29,999 2268 1749 147 373 2055 1485 133 437 0 0 0 0
$30,000 to $34,999 2537 2034 144 359 1892 1444 91 357 0 0 0 0
$35,000 to $39,999 2120 1726 130 264 1415 1098 90 227 0 0 0 0
$40,000 to $49,999 4526 3697 295 535 2181 1643 82 457 0 0 0 0
$50,000 to $59,999 4431 3706 250 474 1803 1363 103 336 0 0 0 0
$60,000 to $79,999 7750 6720 359 672 2355 1895 95 365 0 0 0 0
$80,000 to $99,999 5303 4759 232 312 1364 1078 87 198 0 0 0 0
$100,000 to $119,999 3258 2921 141 196 874 728 51 95 0 0 0 0
$120,000 or more 6557 5875 346 335 1829 1507 93 229 0 0 0 0
Median 60942 63931 55583 43055 30225 31903 29268 24933 5000- 5000- 5000- 5000-

Monthly Housing Costs

Less than $100		 53 34 10 9 942 452 74 417 0 0 0 0
$100 to $199 360 264 10 86 5698 4117 151 1430 0 0 0 0
$200 to $249 353 282 28 43 4095 3119 112 864 0 0 0 0
$250 to $299 412 300 17 94 3720 3038 172 511 0 0 0 0
$300 to $349 649 507 22 120 3100 2469 166 465 0 0 0 0
$350 to $399 831 674 32 125 2270 1764 144 362 0 0 0 0
$400 to $449 936 665 52 219 1634 1195 115 324 0 0 0 0
$450 to $499 1280 990 41 249 1296 938 91 267 0 0 0 0
$500 to $599 3060 2316 130 614 1796 1356 138 302 0 0 0 0
$600 to $699 3319 2632 208 480 942 682 78 182 0 0 0 0
$700 to $799 3552 2895 187 469 558 415 56 87 0 0 0 0
$800 to $999 7274 6075 441 759 539 387 51 101 0 0 0 0
$1,000 to $1,249 6955 6094 419 442 259 194 28 38 0 0 0 0
$1,250 to $1,499 5109 4458 277 374 136 101 14 21 0 0 0 0
$1,500 or more 10865 9722 505 638 271 186 36 50 0 0 0 0
No cash rent 0 0 0 0 0 0 0 0 0 0 0 0
Median (excludes no cash rent) 1015 1054 1007 768 288 291 363 249 100- 100- 100- 100-

Median Monthly Housing Costs for
Owners

Monthly costs including all mortgages
plus maintenance costs		 1063 1102 1036 788 313 317 377 275 100- 100- 100- 100-
Monthly costs excluding second and
subsequent mortgages and maintenance
costs		 975 1005 985 750 288 291 363 249 100- 100- 100- 100-

Monthly Housing Costs as Percent of
Current Income@3

Less than 5 percent		 923 774 59 89 3983 3003 169 811 0 0 0 0
5 to 9 percent 3727 3176 210 341 7404 5803 300 1302 0 0 0 0
10 to 14 percent 7414 6257 353 804 4903 3698 228 977 0 0 0 0
15 to 19 percent 7993 6955 293 745 2920 2149 189 583 0 0 0 0
20 to 24 percent 6786 5913 351 522 1759 1324 95 340 0 0 0 0
25 to 29 percent 4748 4028 295 425 1183 798 89 297 0 0 0 0
30 to 34 percent 3417 2783 224 411 764 555 49 159 0 0 0 0
35 to 39 percent 2151 1793 113 245 577 394 29 155 0 0 0 0
40 to 49 percent 2403 1870 137 396 757 518 67 172 0 0 0 0
50 to 59 percent 1423 1212 53 158 441 302 46 92 0 0 0 0
60 to 69 percent 821 658 57 106 236 166 12 58 0 0 0 0
70 to 99 percent 1082 824 62 196 361 251 29 81 0 0 0 0
100 percent or more@4 1477 1194 110 174 1055 789 70 196 0 0 0 0
Zero or negative income 641 472 60 109 914 663 53 198 0 0 0 0
No cash rent 0 0 0 0 0 0 0 0 0 0 0 0
Median (excludes 2 previous lines) 21.5 21.3 23.4 23.1 11.8 11.4 14.7 12.5 5- 5- 5- 5-
Median (excludes 3 lines before medians) 21.0 20.8 22.6 22.2 11.2 10.9 13.9 12.0 5- 5- 5- 5-

Value

Less than $10,000		 445 84 15 346 1167 159 22 986 0 0 0 0
$10,000 to $19,999 554 105 5 444 948 250 11 687 0 0 0 0
$20,000 to $29,999 694 268 16 411 1026 470 30 526 0 0 0 0
$30,000 to $39,999 773 458 28 287 1048 675 25 348 0 0 0 0
$40,000 to $49,999 1205 865 31 310 1150 812 49 288 0 0 0 0
$50,000 to $59,999 1428 1047 67 315 1458 1068 103 287 0 0 0 0
$60,000 to $69,999 2100 1703 109 287 1663 1390 86 187 0 0 0 0
$70,000 to $79,999 2431 1994 148 288 1851 1494 109 248 0 0 0 0
$80,000 to $99,999 5103 4433 311 359 3397 2818 181 398 0 0 0 0
$100,000 to $119,999 4032 3371 250 410 2479 1979 123 378 0 0 0 0
$120,000 to $149,999 6333 5724 332 277 2771 2367 141 262 0 0 0 0
$150,000 to $199,999 6886 6118 365 403 3283 2774 209 300 0 0 0 0
$200,000 to $249,999 4079 3670 227 181 1664 1365 114 185 0 0 0 0
$250,000 to $299,999 2723 2446 148 129 1027 891 54 82 0 0 0 0
$300,000 or more 6220 5622 323 275 2326 1901 167 258 0 0 0 0
Median 137706 144243 138781 68670 99532 110813 115579 45674 10000- 10000- 10000- 10000-

Ratio of Value to Current Income

Less than 1.5		 11823 8982 524 2317 6676 3823 203 2650 0 0 0 0
1.5 to 1.9 7273 6432 318 523 2575 2017 130 429 0 0 0 0
2.0 to 2.4 5909 5278 303 328 2187 1770 130 286 0 0 0 0
2.5 to 2.9 4488 3956 265 266 2014 1636 98 280 0 0 0 0
3.0 to 3.9 5732 4976 288 467 2832 2341 147 344 0 0 0 0
4.0 to 4.9 2892 2472 213 207 1918 1535 116 266 0 0 0 0
5.0 or more 6250 5339 407 504 8142 6627 548 967 0 0 0 0
Zero or negative income 641 472 60 109 914 663 53 198 0 0 0 0
Median 2.3 2.3 2.5 1.5 2.9 3.3 3.9 1.5 0.0 0.0 0.0 0.0

Average Monthly Cost Paid for
Real Estate Taxes

Less than $25		 4512 2955 197 1360 5946 3281 228 2436 0 0 0 0
$25 to $49 4986 3883 205 897 4322 3202 142 978 0 0 0 0
$50 to $74 5594 4559 334 701 3733 2935 234 564 0 0 0 0
$75 to $99 4596 3998 260 338 2518 2109 106 303 0 0 0 0
$100 to $149 8196 7153 539 505 3858 3238 259 361 0 0 0 0
$150 to $199 5597 4982 316 298 2363 1968 174 221 0 0 0 0
$200 or more 11527 10379 525 623 4519 3680 282 556 0 0 0 0
Median 117 124 117 53 72 84 100 31 25- 25- 25- 25-

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

Total		 43378 36465 2327 4587 0 0 0 0 0 0 0 0

Monthly Payment for Principal
and Interest

One or more regular mortgages		 43378 36465 2327 4587 0 0 0 0 0 0 0 0
Less than $100 954 711 89 154 0 0 0 0 0 0 0 0
$100 to $199 1602 1203 58 341 0 0 0 0 0 0 0 0
$200 to $249 1416 991 72 353 0 0 0 0 0 0 0 0
$250 to $299 1679 1264 102 314 0 0 0 0 0 0 0 0
$300 to $349 1986 1554 72 360 0 0 0 0 0 0 0 0
$350 to $399 2091 1533 151 407 0 0 0 0 0 0 0 0
$400 to $449 2194 1794 134 267 0 0 0 0 0 0 0 0
$450 to $499 2065 1675 146 244 0 0 0 0 0 0 0 0
$500 to $599 4583 3791 318 474 0 0 0 0 0 0 0 0
$600 to $699 4119 3493 234 392 0 0 0 0 0 0 0 0
$700 to $799 3397 3013 174 210 0 0 0 0 0 0 0 0
$800 to $999 5349 4769 261 319 0 0 0 0 0 0 0 0
$1,000 to $1,249 4792 4270 208 314 0 0 0 0 0 0 0 0
$1,250 to $1,499 2702 2433 111 158 0 0 0 0 0 0 0 0
$1,500 or more 4449 3972 197 279 0 0 0 0 0 0 0 0
Median 675 707 609 469 100- 100- 100- 100- 100- 100- 100- 100-

Type of Primary Mortgage

FHA		 6110 5464 358 288 0 0 0 0 0 0 0 0
VA 2177 1957 70 150 0 0 0 0 0 0 0 0
RHS/RD 318 277 3 38 0 0 0 0 0 0 0 0
Other types 31796 26325 1717 3753 0 0 0 0 0 0 0 0
Don't know 140 105 9 27 0 0 0 0 0 0 0 0
Not reported 2837 2337 170 331 0 0 0 0 0 0 0 0

Mortgage Origination

Placed new mortgage(s)		 42799 36014 2299 4487 0 0 0 0 0 0 0 0
Primary obtained when property
acquired		 30230 24924 1908 3398 0 0 0 0 0 0 0 0
Obtained later 12569 11090 391 1088 0 0 0 0 0 0 0 0
Assumed 492 373 26 93 0 0 0 0 0 0 0 0
Wrap-around 16 14 0 2 0 0 0 0 0 0 0 0
Combination of the above 72 65 3 4 0 0 0 0 0 0 0 0

Payment Plan of Primary Mortgage

Fixed payment, self-amortizing		 35689 30133 1867 3690 0 0 0 0 0 0 0 0
Adjustable rate mortgage 1964 1618 131 214 0 0 0 0 0 0 0 0
Adjustable term mortgage 504 399 15 89 0 0 0 0 0 0 0 0
Graduated payment mortgage 382 321 27 34 0 0 0 0 0 0 0 0
Balloon 357 286 26 45 0 0 0 0 0 0 0 0
Other 2 2 0 0 0 0 0 0 0 0 0 0
Combination of the above 326 248 33 45 0 0 0 0 0 0 0 0
Not reported 4155 3457 229 470 0 0 0 0 0 0 0 0

Payment Plan of Secondary Mortgage

Units with two or more mortgages		 5388 4852 187 349 0 0 0 0 0 0 0 0
Fixed payment, self-amortizing 4501 4056 144 301 0 0 0 0 0 0 0 0
Adjustable rate mortgage 187 167 12 8 0 0 0 0 0 0 0 0
Adjustable term mortgage 244 212 14 17 0 0 0 0 0 0 0 0
Graduated payment mortgage 19 19 0 0 0 0 0 0 0 0 0 0
Balloon 118 116 3 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 98 83 7 8 0 0 0 0 0 0 0 0
Not reported 220 197 7 15 0 0 0 0 0 0 0 0

Lenders of Primary and Secondary
Mortgages

Only borrowed from firm(s)		 39126 33043 2109 3974 0 0 0 0 0 0 0 0
Only borrowed from seller 521 370 10 141 0 0 0 0 0 0 0 0
Only borrowed from other individual(s) 306 225 17 64 0 0 0 0 0 0 0 0
Borrowed from a firm and seller 55 44 0 11 0 0 0 0 0 0 0 0
Borrowed from a firm and other
individual		 61 51 0 10 0 0 0 0 0 0 0 0
Borrowed from seller and other
individual		 2 2 0 0 0 0 0 0 0 0 0 0
One or both sources not reported 3306 2728 191 387 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.

Go to American Housing Survey for the United States: 2001
Contact the American Housing Survey Branch by email or by phone at 301-763-3235 or 1-888-518-7365, or visit ask.census.gov for further information on American Housing Survey Data.

Source: U.S. Census Bureau, Housing and Household Economic Statistics Division
Last Revised: February 18, 2005