Graph and download economic data for Expenditures: Total Average Annual Expenditures by Housing Tenure: Homeowner with Mortgage (CXUTOTALEXPLB1703M) from 2003 to 2023 about homeownership, mortgage, average, expenditures, housing, and USA.

The homeownership rate in the United States declined slightly in 2023 and remained stable in 2024. The U.S. homeownership rate was the highest in 2004 before the 2007-2009 recession hit and decimated the housing market. In 2024, the proportion of households occupied by owners stood at **** percent in 2024, *** percentage points below 2004 levels. Homeownership since the recession The rate of homeownership in the U.S. fell in the lead up to the recession and continued to do so until 2016. Despite this trend, the share of Americans who perceived homeownership as part of their personal American dream remained relatively stable. This suggests that the financial hardship caused by the recession led to the fall in homeownership, rather than a change in opinion about the importance of homeownership itself. What the future holds for homeownership Homeownership trends vary from generation to generation. Homeownership among Americans over 65 years old is declining, whereas most Millennial renters plan to buy a home in the near future. This suggests that homeownership will remain important in the future, as Millennials are forecast to head most households over the next two decades.

The homeownership rate was the highest among Americans in their early 70s and the lowest among people in their early 20s in 2023. In that year, approximately ** percent of individuals aged 70 to 75 resided in a residence they owned, compared to approximately **** percent among individuals under the age of 25. On average, **** percent of Americans lived in an owner-occupied home. The homeownership rate was the highest in 2004 but has since declined.

2016-2020 ACS 5-Year estimates of housing characteristics compiled at the Tract level. These characteristics include Occupancy Status, Tenure By Household Size, Median Number Of Rooms By Tenure, Units In Structure, Tenure by Units In Structure, Tenure By Year Structure Built, Median Year Structure Built By Tenure, Bedrooms, Tenure By Bedrooms, Contract Rent, Median Contract Rent, Bedrooms By Gross Rent, Median Value, Mortgage Status By Median Value (Dollars), and Tenure By Selected Physical And Financial Conditions.

This layer shows housing occupancy, tenure, and median rent/housing value. This is shown by tract, county, and state boundaries. This service is updated annually to contain the most currently released American Community Survey (ACS) 5-year data, and contains estimates and margins of error. There are also additional calculated attributes related to this topic, which can be mapped or used within analysis. Homeownership rate on Census Bureau's website is owner-occupied housing unit rate (called B25003_calc_pctOwnE in this layer). This layer is symbolized by the overall homeownership rate. To see the full list of attributes available in this service, go to the "Data" tab, and choose "Fields" at the top right. Current Vintage: 2018-2022ACS Table(s): B25002, B25003, B25058, B25077, B25057, B25059, B25076, B25078Data downloaded from: Census Bureau's API for American Community Survey Date of API call: December 7, 2023The United States Census Bureau's American Community Survey (ACS):About the SurveyGeography & ACSTechnical DocumentationNews & UpdatesThis ready-to-use layer can be used within ArcGIS Pro, ArcGIS Online, its configurable apps, dashboards, Story Maps, custom apps, and mobile apps. Data can also be exported for offline workflows. For more information about ACS layers, visit the FAQ. Please cite the Census and ACS when using this data.Data Note from the Census:Data are based on a sample and are subject to sampling variability. The degree of uncertainty for an estimate arising from sampling variability is represented through the use of a margin of error. The value shown here is the 90 percent margin of error. The margin of error can be interpreted as providing a 90 percent probability that the interval defined by the estimate minus the margin of error and the estimate plus the margin of error (the lower and upper confidence bounds) contains the true value. In addition to sampling variability, the ACS estimates are subject to nonsampling error (for a discussion of nonsampling variability, see Accuracy of the Data). The effect of nonsampling error is not represented in these tables.Data Processing Notes:This layer is updated automatically when the most current vintage of ACS data is released each year, usually in December. The layer always contains the latest available ACS 5-year estimates. It is updated annually within days of the Census Bureau's release schedule. Click here to learn more about ACS data releases.Boundaries come from the US Census TIGER geodatabases, specifically, the National Sub-State Geography Database (named tlgdb_(year)_a_us_substategeo.gdb). Boundaries are updated at the same time as the data updates (annually), and the boundary vintage appropriately matches the data vintage as specified by the Census. These are Census boundaries with water and/or coastlines erased for cartographic and mapping purposes. For census tracts, the water cutouts are derived from a subset of the 2020 Areal Hydrography boundaries offered by TIGER. Water bodies and rivers which are 50 million square meters or larger (mid to large sized water bodies) are erased from the tract level boundaries, as well as additional important features. For state and county boundaries, the water and coastlines are derived from the coastlines of the 2022 500k TIGER Cartographic Boundary Shapefiles. These are erased to more accurately portray the coastlines and Great Lakes. The original AWATER and ALAND fields are still available as attributes within the data table (units are square meters).The States layer contains 52 records - all US states, Washington D.C., and Puerto RicoCensus tracts with no population that occur in areas of water, such as oceans, are removed from this data service (Census Tracts beginning with 99).Percentages and derived counts, and associated margins of error, are calculated values (that can be identified by the "_calc_" stub in the field name), and abide by the specifications defined by the American Community Survey.Field alias names were created based on the Table Shells file available from the American Community Survey Summary File Documentation page.Negative values (e.g., -4444...) have been set to null, with the exception of -5555... which has been set to zero. These negative values exist in the raw API data to indicate the following situations:The margin of error column indicates that either no sample observations or too few sample observations were available to compute a standard error and thus the margin of error. A statistical test is not appropriate.Either no sample observations or too few sample observations were available to compute an estimate, or a ratio of medians cannot be calculated because one or both of the median estimates falls in the lowest interval or upper interval of an open-ended distribution.The median falls in the lowest interval of an open-ended distribution, or in the upper interval of an open-ended distribution. A statistical test is not appropriate.The estimate is controlled. A statistical test for sampling variability is not appropriate.The data for this geographic area cannot be displayed because the number of sample cases is too small.

NOTE: For information on confidentiality protection, nonsampling error, and definitions, see http://www.census.gov/prod/cen2010/doc/sf1.pdf..Source: U.S. Census Bureau, 2010 Census.

The once-a-decade decennial census was conducted in April 2010 by the U.S. Census Bureau. This count of every resident in the United States was mandated by Article I, Section 2 of the Constitution and all households in the U.S. and individuals living in group quarters were required by law to respond to the 2010 Census questionnaire. The data collected by the decennial census determine the number of seats each state has in the U.S. House of Representatives and is also used to distribute billions in federal funds to local communities. The questionnaire consisted of a limited number of questions but allowed for the collection of information on the number of people in the household and their relationship to the householder, an individual's age, sex, race and Hispanic ethnicity, the number of housing units and whether those units are owner- or renter-occupied, or vacant. Results for sub-state geographic areas in New Mexico were released in a series of data products. These data come from Summary File 1 (SF-1). The geographic coverage for SF-1 includes the state, counties, places (both incorporated and unincorporated communities), tribal lands, school districts, census tracts, block groups and blocks, among others. Table DC10_00803 is for Harding County and all block groups in the county. The table shows average household size for all occupied housing units combined and for owner- and renter-occupied housing units. This file, along with file descriptions (in Word and text formats) are available in a single zip file.

This polygon shapefile contains 5-year American Community Survey estimates of housing variables (see below) at the place level released in 2012. The TIGER/Line Files are shapefiles and related database files (.dbf) that are an extract of selected geographic and cartographic information from the U.S. Census Bureaus Master Address File / Topologically Integrated Geographic Encoding and Referencing (MAF/TIGER) Database (MTDB). The MTDB represents a seamless national file with no overlaps or gaps between parts, however, each TIGER/Line File is designed to stand alone as an independent data set, or they can be combined to cover the entire nation. The TIGER/Line Files include both incorporated places (legal entities) and census designated places or CDPs (statistical entities). An incorporated place is established to provide governmental functions for a concentration of people as opposed to a minor civil division (MCD), which generally is created to provide services or administer an area without regard, necessarily, to population. Places always nest within a State, but may extend across county and county subdivision boundaries. An incorporated place usually is a city, town, village, or borough, but can have other legal descriptions. CDPs are delineated for the decennial census as the statistical counterparts of incorporated places. CDPs are delineated to provide data for settled concentrations of population that are identifiable by name, but are not legally incorporated under the laws of the State in which they are located. The boundaries for CDPs often are defined in partnership with State, local, and/or tribal officials and usually coincide with visible features or the boundary of an adjacent incorporated place or another legal entity. CDP boundaries often change from one decennial census to the next with changes in the settlement pattern and development; a CDP with the same name as in an earlier census does not necessarily have the same boundary. The only population/housing size requirement for CDPs for the 2010 Census is that they must contain some housing and population. The boundaries of all 2010 Census incorporated places are as of January 1, 2010 as reported through the Census Bureaus Boundary and Annexation Survey (BAS). The boundaries of all 2010 Census CDPs were delineated as part of the Census Bureaus Participant Statistical Areas Program (PSAP).The American Community Survey (ACS) 5 Year 2008-2012 housing information is a subset of information available for download. Downloaded tables include: B25002 - Occupancy Status, B25009 - Tenure By Household Size, B25021 - Median Number Of Rooms By Tenure, B25024 - Units In Structure, B25032 - Tenure by Units In Structure, B25036 - Tenure By Year Structure Built, B25037 - Median Year Structure Built By Tenure, B25041 - Bedrooms, B25042 - Tenure By Bedrooms, B25056 - Contract Rent, B25058 - Median Contract Rent, B25068 - Bedrooms By Gross Rent, B25077 - Median Value, B25097 - Mortgage Status By Median Value (Dollars) and B25123 - Tenure By Selected Physical And Financial Conditions. Data is current as of 5/6/2015.

The once-a-decade decennial census was conducted in April 2010 by the U.S. Census Bureau. This count of every resident in the United States was mandated by Article I, Section 2 of the Constitution and all households in the U.S. and individuals living in group quarters were required by law to respond to the 2010 Census questionnaire. The data collected by the decennial census determine the number of seats each state has in the U.S. House of Representatives and is also used to distribute billions in federal funds to local communities. The questionnaire consisted of a limited number of questions but allowed for the collection of information on the number of people in the household and their relationship to the householder, an individual's age, sex, race and Hispanic ethnicity, the number of housing units and whether those units are owner- or renter-occupied, or vacant. Results for sub-state geographic areas in New Mexico were released in a series of data products. These data come from Summary File 1 (SF-1). The geographic coverage for SF-1 includes the state, counties, places (both incorporated and unincorporated communities), tribal lands, school districts, census tracts, block groups and blocks, among others. Table DC10_00854 is for Taos County and all census blocks in the county. The table shows average household size for all occupied housing units combined and for owner- and renter-occupied housing units. This file, along with file descriptions (in Word and text formats) are available in a single zip file.

NOTE: For information on confidentiality protection,.nonsampling error, definitions, and count corrections see.http://www.census.gov/prod/cen2000/doc/sf1.pdf

The once-a-decade decennial census was conducted in April 2010 by the U.S. Census Bureau. This count of every resident in the United States was mandated by Article I, Section 2 of the Constitution and all households in the U.S. and individuals living in group quarters were required by law to respond to the 2010 Census questionnaire. The data collected by the decennial census determine the number of seats each state has in the U.S. House of Representatives and is also used to distribute billions in federal funds to local communities. The questionnaire consisted of a limited number of questions but allowed for the collection of information on the number of people in the household and their relationship to the householder, an individual's age, sex, race and Hispanic ethnicity, the number of housing units and whether those units are owner- or renter-occupied, or vacant. Results for sub-state geographic areas in New Mexico were released in a series of data products. These data come from Summary File 1 (SF-1). The geographic coverage for SF-1 includes the state, counties, places (both incorporated and unincorporated communities), tribal lands, school districts, census tracts, block groups and blocks, among others. Table DC10_00824 is for Valencia County and all block groups in the county. The table shows average household size for all occupied housing units combined and for owner- and renter-occupied housing units. This file, along with file descriptions (in Word and text formats) are available in a single zip file.

The once-a-decade decennial census was conducted in April 2010 by the U.S. Census Bureau. This count of every resident in the United States was mandated by Article I, Section 2 of the Constitution and all households in the U.S. and individuals living in group quarters were required by law to respond to the 2010 Census questionnaire. The data collected by the decennial census determine the number of seats each state has in the U.S. House of Representatives and is also used to distribute billions in federal funds to local communities. The questionnaire consisted of a limited number of questions but allowed for the collection of information on the number of people in the household and their relationship to the householder, an individual's age, sex, race and Hispanic ethnicity, the number of housing units and whether those units are owner- or renter-occupied, or vacant. Results for sub-state geographic areas in New Mexico were released in a series of data products. These data come from Summary File 1 (SF-1). The geographic coverage for SF-1 includes the state, counties, places (both incorporated and unincorporated communities), tribal lands, school districts, census tracts, block groups and blocks, among others. Table DC10_00822 is for Torrance County and all block groups in the county. The table shows average household size for all occupied housing units combined and for owner- and renter-occupied housing units. This file, along with file descriptions (in Word and text formats) are available in a single zip file.

The once-a-decade decennial census was conducted in April 2010 by the U.S. Census Bureau. This count of every resident in the United States was mandated by Article I, Section 2 of the Constitution and all households in the U.S. and individuals living in group quarters were required by law to respond to the 2010 Census questionnaire. The data collected by the decennial census determine the number of seats each state has in the U.S. House of Representatives and is also used to distribute billions in federal funds to local communities. The questionnaire consisted of a limited number of questions but allowed for the collection of information on the number of people in the household and their relationship to the householder, an individual's age, sex, race and Hispanic ethnicity, the number of housing units and whether those units are owner- or renter-occupied, or vacant. Results for sub-state geographic areas in New Mexico were released in a series of data products. These data come from Summary File 1 (SF-1). The geographic coverage for SF-1 includes the state, counties, places (both incorporated and unincorporated communities), tribal lands, school districts, census tracts, block groups and blocks, among others. Table DC10_00855 is for Torrance County and all census blocks in the county. The table shows average household size for all occupied housing units combined and for owner- and renter-occupied housing units. This file, along with file descriptions (in Word and text formats) are available in a single zip file.

This dataset was developed by the Research & Analytics Group at the Atlanta Regional Commission using data from the U.S. Census Bureau.For a deep dive into the data model including every specific metric, see the Infrastructure Manifest. The manifest details ARC-defined naming conventions, field names/descriptions and topics, summary levels; source tables; notes and so forth for all metrics.Naming conventions:Prefixes: None Countp Percentr Ratem Mediana Mean (average)t Aggregate (total)ch Change in absolute terms (value in t2 - value in t1)pch Percent change ((value in t2 - value in t1) / value in t1)chp Change in percent (percent in t2 - percent in t1)s Significance flag for change: 1 = statistically significant with a 90% CI, 0 = not statistically significant, blank = cannot be computed Suffixes: _e19 Estimate from 2014-19 ACS_m19 Margin of Error from 2014-19 ACS_00_v19 Decennial 2000, re-estimated to 2019 geography_00_19 Change, 2000-19_e10_v19 2006-10 ACS, re-estimated to 2019 geography_m10_v19 Margin of Error from 2006-10 ACS, re-estimated to 2019 geography_e10_19 Change, 2010-19The user should note that American Community Survey data represent estimates derived from a surveyed sample of the population, which creates some level of uncertainty, as opposed to an exact measure of the entire population (the full census count is only conducted once every 10 years and does not cover as many detailed characteristics of the population). Therefore, any measure reported by ACS should not be taken as an exact number – this is why a corresponding margin of error (MOE) is also given for ACS measures. The size of the MOE relative to its corresponding estimate value provides an indication of confidence in the accuracy of each estimate. Each MOE is expressed in the same units as its corresponding measure; for example, if the estimate value is expressed as a number, then its MOE will also be a number; if the estimate value is expressed as a percent, then its MOE will also be a percent. The user should also note that for relatively small geographic areas, such as census tracts shown here, ACS only releases combined 5-year estimates, meaning these estimates represent rolling averages of survey results that were collected over a 5-year span (in this case 2015-2019). Therefore, these data do not represent any one specific point in time or even one specific year. For geographic areas with larger populations, 3-year and 1-year estimates are also available. For further explanation of ACS estimates and margin of error, visit Census ACS website.Source: U.S. Census Bureau, Atlanta Regional CommissionDate: 2015-2019Data License: Creative Commons Attribution 4.0 International (CC by 4.0)Link to the manifest: https://www.arcgis.com/sharing/rest/content/items/3d489c725bb24f52a987b302147c46ee/data

The mortgage prevalence among homeowners in Europe varied widely across different countries in 2023. About ** percent of the total population in Norway was a homeowner, with ** percent paying out a mortgage loan. Conversely, only *** percent of households in Romania had a mortgage, with nearly ** percent being homeowners. Meanwhile, an average of ** percent of the total population within the EU-27 was an owner-occupant with a mortgage or housing loan. Homeownership depends on multiple factors, such as housing policy, the macroeconomic situation, the state of the housing sector, and the availability of finance. Countries with more developed mortgage markets tend to have lower mortgage interest rates.

These data were developed by the Research & Analytics Group at the Atlanta Regional Commission using data from the U.S. Census Bureau across all standard and custom geographies at statewide summary level where applicable. .
For a deep dive into the data model including every specific metric, see the ACS 2018-2022 Data Manifest. The manifest details ARC-defined naming conventions, field names/descriptions and topics, summary levels; source tables; notes and so forth for all metrics. Find naming convention prefixes/suffixes, geography definitions and user notes below.Prefixes:NoneCountpPercentrRatemMedianaMean (average)tAggregate (total)chChange in absolute terms (value in t2 - value in t1)pchPercent change ((value in t2 - value in t1) / value in t1)chpChange in percent (percent in t2 - percent in t1)sSignificance flag for change: 1 = statistically significant with a 90% CI, 0 = not statistically significant, blank = cannot be computedSuffixes:_e22Estimate from 2018-22 ACS_m22Margin of Error from 2018-22 ACS_e102006-10 ACS, re-estimated to 2020 geography_m10Margin of Error from 2006-10 ACS, re-estimated to 2020 geography_e10_22Change, 2010-22 (holding constant at 2020 geography)GeographiesAAA = Area Agency on Aging (12 geographic units formed from counties providing statewide coverage)ARC21 = Atlanta Regional Commission modeling area (21 counties merged to a single geographic unit)ARWDB7 = Atlanta Regional Workforce Development Board (7 counties merged to a single geographic unit)BeltLineStatistical (buffer)BeltLineStatisticalSub (subareas)Census Tract (statewide)CFGA23 = Community Foundation for Greater Atlanta (23 counties merged to a single geographic unit)City (statewide)City of Atlanta Council Districts (City of Atlanta)City of Atlanta Neighborhood Planning Unit (City of Atlanta)City of Atlanta Neighborhood Statistical Areas (City of Atlanta)County (statewide)Georgia House (statewide)Georgia Senate (statewide)HSSA = High School Statistical Area (11 county region)MetroWater15 = Atlanta Metropolitan Water District (15 counties merged to a single geographic unit)Regional Commissions (statewide)State of Georgia (single geographic unit)Superdistrict (ARC region)US Congress (statewide)UWGA13 = United Way of Greater Atlanta (13 counties merged to a single geographic unit)ZIP Code Tabulation Areas (statewide)The user should note that American Community Survey data represent estimates derived from a surveyed sample of the population, which creates some level of uncertainty, as opposed to an exact measure of the entire population (the full census count is only conducted once every 10 years and does not cover as many detailed characteristics of the population). Therefore, any measure reported by ACS should not be taken as an exact number – this is why a corresponding margin of error (MOE) is also given for ACS measures. The size of the MOE relative to its corresponding estimate value provides an indication of confidence in the accuracy of each estimate. Each MOE is expressed in the same units as its corresponding measure; for example, if the estimate value is expressed as a number, then its MOE will also be a number; if the estimate value is expressed as a percent, then its MOE will also be a percent. The user should also note that for relatively small geographic areas, such as census tracts shown here, ACS only releases combined 5-year estimates, meaning these estimates represent rolling averages of survey results that were collected over a 5-year span (in this case 2018-2022). Therefore, these data do not represent any one specific point in time or even one specific year. For geographic areas with larger populations, 3-year and 1-year estimates are also available. For further explanation of ACS estimates and margin of error, visit Census ACS website.Source: U.S. Census Bureau, Atlanta Regional CommissionDate: 2018-2022Data License: Creative Commons Attribution 4.0 International (CC by 4.0)Link to the data manifest: https://opendata.atlantaregional.com/documents/3b86ee614e614199ba66a3ff1ebfe3b5/about

The once-a-decade decennial census was conducted in April 2010 by the U.S. Census Bureau. This count of every resident in the United States was mandated by Article I, Section 2 of the Constitution and all households in the U.S. and individuals living in group quarters were required by law to respond to the 2010 Census questionnaire. The data collected by the decennial census determine the number of seats each state has in the U.S. House of Representatives and is also used to distribute billions in federal funds to local communities. The questionnaire consisted of a limited number of questions but allowed for the collection of information on the number of people in the household and their relationship to the householder, an individual's age, sex, race and Hispanic ethnicity, the number of housing units and whether those units are owner- or renter-occupied, or vacant. Results for sub-state geographic areas in New Mexico were released in a series of data products. These data come from Summary File 1 (SF-1). The geographic coverage for SF-1 includes the state, counties, places (both incorporated and unincorporated communities), tribal lands, school districts, census tracts, block groups and blocks, among others. Table DC10_00811 is for Otero County and all block groups in the county. The table shows average household size for all occupied housing units combined and for owner- and renter-occupied housing units. This file, along with file descriptions (in Word and text formats) are available in a single zip file.

The once-a-decade decennial census was conducted in April 2010 by the U.S. Census Bureau. This count of every resident in the United States was mandated by Article I, Section 2 of the Constitution and all households in the U.S. and individuals living in group quarters were required by law to respond to the 2010 Census questionnaire. The data collected by the decennial census determine the number of seats each state has in the U.S. House of Representatives and is also used to distribute billions in federal funds to local communities. The questionnaire consisted of a limited number of questions but allowed for the collection of information on the number of people in the household and their relationship to the householder, an individual's age, sex, race and Hispanic ethnicity, the number of housing units and whether those units are owner- or renter-occupied, or vacant. Results for sub-state geographic areas in New Mexico were released in a series of data products. These data come from Summary File 1 (SF-1). The geographic coverage for SF-1 includes the state, counties, places (both incorporated and unincorporated communities), tribal lands, school districts, census tracts, block groups and blocks, among others. Table DC10_00815 is for Sandoval County and all block groups in the county. The table shows average household size for all occupied housing units combined and for owner- and renter-occupied housing units. This file, along with file descriptions (in Word and text formats) are available in a single zip file.

The once-a-decade decennial census was conducted in April 2010 by the U.S. Census Bureau. This count of every resident in the United States was mandated by Article I, Section 2 of the Constitution and all households in the U.S. and individuals living in group quarters were required by law to respond to the 2010 Census questionnaire. The data collected by the decennial census determine the number of seats each state has in the U.S. House of Representatives and is also used to distribute billions in federal funds to local communities. The questionnaire consisted of a limited number of questions but allowed for the collection of information on the number of people in the household and their relationship to the householder, an individual's age, sex, race and Hispanic ethnicity, the number of housing units and whether those units are owner- or renter-occupied, or vacant. Results for sub-state geographic areas in New Mexico were released in a series of data products. These data come from Summary File 1 (SF-1). The geographic coverage for SF-1 includes the state, counties, places (both incorporated and unincorporated communities), tribal lands, school districts, census tracts, block groups and blocks, among others. Table DC10_00800 is for Eddy County and all block groups in the county. The table shows average household size for all occupied housing units combined and for owner- and renter-occupied housing units. This file, along with file descriptions (in Word and text formats) are available in a single zip file.

The once-a-decade decennial census was conducted in April 2010 by the U.S. Census Bureau. This count of every resident in the United States was mandated by Article I, Section 2 of the Constitution and all households in the U.S. and individuals living in group quarters were required by law to respond to the 2010 Census questionnaire. The data collected by the decennial census determine the number of seats each state has in the U.S. House of Representatives and is also used to distribute billions in federal funds to local communities. The questionnaire consisted of a limited number of questions but allowed for the collection of information on the number of people in the household and their relationship to the householder, an individual's age, sex, race and Hispanic ethnicity, the number of housing units and whether those units are owner- or renter-occupied, or vacant. Results for sub-state geographic areas in New Mexico were released in a series of data products. These data come from Summary File 1 (SF-1). The geographic coverage for SF-1 includes the state, counties, places (both incorporated and unincorporated communities), tribal lands, school districts, census tracts, block groups and blocks, among others. Table DC10_00818 is for Santa Fe County and all block groups in the county. The table shows average household size for all occupied housing units combined and for owner- and renter-occupied housing units. This file, along with file descriptions (in Word and text formats) are available in a single zip file.