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Black Households (black + household)
Selected AbstractsInfluence of Race on Household Residential UtilityGEOGRAPHICAL ANALYSIS, Issue 3 2000M William Sermons Residential location choice models are an important tool employed by urban geographers, planners, and transportation engineers for understanding household residential location behavior and for predicting future residential location activity. Racial segregation and residential racial preferences have been studied extensively using a variety of analysis techniques in social science research, but racial preferences have generally not been adequately incorporated into residential location choice models. This research develops residential location choice model specifications with a variety of alternative methods of addressing racial preferences in residential location decisions. The research tests whether social class, family structure, and in-group racial preferences are sufficient to explain household sensitivity to neighborhood racial composition. The importance of the interaction between the proportion of in-group race neighbors and other-race neighbors is also evaluated. Models for the San Francisco Bay metropolitan area are estimated and evidence of significant avoidance behavior by households of all races is found. The results suggest that social class differences, family structure differences, and in-group racial preferences alone are not sufficient to explain household residential racial preference and that households of all races practice racial avoidance behavior. Particularly pronounced avoidance of black neighbors by Asian households, Hispanic neighbors by black households, and Asian neighbors by white households are found. Evidence of a decrease in household racial avoidance intensity in neighborhoods with large numbers of own-race neighbors is also found. [source] How Credit Access Has Changed Over Time for U.S. HouseholdsJOURNAL OF CONSUMER AFFAIRS, Issue 2 2003ANGELA C. LYONS The financial industry made a number of efforts throughout the 1990s to provide additional borrowing opportunities to households traditionally constrained by the credit markets. Using data from the Survey of Consumer Finances (SCF), this study investigates the degree to which household liquidity constraints relaxed between 1983 and 1998. The gap between actual and desired borrowing is estimated. The findings indicate that the ability of all households to obtain their desired debt levels increased after 1983 and most dramatically between 1992 and 1998. The findings hold true across all households regardless of permanent earnings, age, gender, or race. Those experiencing the greatest gains in credit access were black households and households with low permanent earnings. [source] Credit scores, race, and residential sortingJOURNAL OF POLICY ANALYSIS AND MANAGEMENT, Issue 1 2010Ashlyn Aiko Nelson Credit scores have a profound impact on home purchasing power and mortgage pricing, yet little is known about how credit scores influence households' residential location decisions. This study estimates the effects of credit scores on residential sorting behavior using a novel mortgage industry data set combining household demographic, credit, and financial data with property location information and detailed community attribute data. I employ the data set to estimate a discrete-choice residential sorting model. I find that credit scores significantly predict residential sorting behavior and models that do not account for credit score provide biased estimates of housing utilities for black households in particular. Simulation results show that increases in credit score are associated with increases in the consumption of higher-priced homes in more expensive school districts, higher-quality public schools, and proximity to urban/metropolitan areas. © 2010 by the Association for Public Policy Analysis and Management. [source] EXITS FROM HOMEOWNERSHIP: THE EFFECTS OF RACE, ETHNICITY, AND INCOME,JOURNAL OF REGIONAL SCIENCE, Issue 1 2009Tracy M. Turner ABSTRACT This paper examines the extent to which populations experiencing low homeownership rates in the U.S. also experience high homeownership exit rates. We determine whether low-income Hispanic and black households that achieve homeownership are as likely as white and high-income households to sustain it. Using the Panel Study of Income Dynamics spanning the years 1970,2005, we find that low-income homeowners consistently have higher homeownership exit rates, Hispanic households have higher raw exit rates prior to but not subsequent to 1997, and a black/white sustainability gap appears to arise post-1997. [source] | |||||||||||||