Graph and download economic data for Homeownership Rates by Race and Ethnicity: Black Alone in the United States (BOAAAHORUSQ156N) from Q1 1994 to Q1 2025 about homeownership, African-American, rate, and USA.

The homeownership among White people in the United States was 74.3 percent, the highest out of all ethnicities, in 2023. American Dream Part of the “American Dream” is the idea of owning a home. It is seen as a status symbol and an indicator of wealth. People take a lot of pride in owning a home, and hope to do so at the earliest age possible. It is the idea of having a white picket fence with a nuclear family, a dog, and a car or two which is seen as the stereotypical “end goal”. However, in the aftermath of the 2008 recession, the rate of homeownership in the United States fell steadily until 2016. The recession hindered people’s chances of owning a home, due to less credit being available and their own fears about being stuck with a home in negative equity if another recession were to occur. As a result, the homeownership rate in the United States has barely increased in the past few years. Factors affecting homeownership Homeownership varies based on different factors. Married-couple families have the highest homeownership rates among different family statuses. Unsurprisingly, households with high incomes have the highest homeownership rates.

The average homeownership rate in the United States remained mostly unchanged in 2023. Homeownership improved the most among the Asian population, increasing by 1.3 percentage points, while among American Indian or Alaskan Native, it declined by 1.8 percentage points. Overall, the share of white homeowners was higher than any other race.

70% of White British households owned their own homes – the highest percentage out of all ethnic groups.

Graph and download economic data for Homeownership Rates by Race and Ethnicity: Hispanic (of Any Race) in the United States (HOLHORUSQ156N) from Q1 1994 to Q1 2025 about homeownership, latino, hispanic, rate, and USA.

The homeownership rate in the United States amounted to nearly ** percent in the third quarter of 2024. While there are many factors that affect people’s decision to buy a house, the recent decrease can be attributed to the higher mortgage interest rates, which make taking out a mortgage less affordable for potential buyers, especially considering the surge in house prices in recent years. Which factors affect homeownership? Age and ethnicity have a strong correlation with homeownership. Baby boomers, for example, are twice as likely to own their home than Millennials. Also, the homeownership rate among white Americans is substantially higher than among any other ethnicity. How does the U.S. homeownership rate compare with other countries? Having a home is an integral part of the “American Dream”. Compared with selected European countries, the U.S. ranks alongside the United Kingdom, Cyprus, and Ireland. Many countries in Europe, however, exceed ** percent homeownership rate.

Homeownership Rates by Race and Ethnicity: All Other Races: Total in the United States was 57.20% in January of 2025, according to the United States Federal Reserve. Historically, Homeownership Rates by Race and Ethnicity: All Other Races: Total in the United States reached a record high of 60.60 in July of 2006 and a record low of 46.30 in April of 1994. Trading Economics provides the current actual value, an historical data chart and related indicators for Homeownership Rates by Race and Ethnicity: All Other Races: Total in the United States - last updated from the United States Federal Reserve on July of 2025.

Homeownership Rates by Race and Ethnicity: Black Alone in the United States was 44.70% in January of 2025, according to the United States Federal Reserve. Historically, Homeownership Rates by Race and Ethnicity: Black Alone in the United States reached a record high of 49.70 in April of 2004 and a record low of 40.60 in April of 2019. Trading Economics provides the current actual value, an historical data chart and related indicators for Homeownership Rates by Race and Ethnicity: Black Alone in the United States - last updated from the United States Federal Reserve on May of 2025.

Homeownership Rates by Race and Ethnicity: All Other Races: Asian, Native Hawaiian and Pacific Islander Alone in the United States was 62.00% in January of 2025, according to the United States Federal Reserve. Historically, Homeownership Rates by Race and Ethnicity: All Other Races: Asian, Native Hawaiian and Pacific Islander Alone in the United States reached a record high of 63.00 in October of 2023 and a record low of 53.70 in April of 2016. Trading Economics provides the current actual value, an historical data chart and related indicators for Homeownership Rates by Race and Ethnicity: All Other Races: Asian, Native Hawaiian and Pacific Islander Alone in the United States - last updated from the United States Federal Reserve on May of 2025.

This paper examines the association between the Great Recession and real assets among families with young children. Real assets such as homes and cars are key indicators of economic well-being that may be especially valuable to low-income families. Using longitudinal data from the Fragile Families and Child Wellbeing Study (N = 4,898), we investigate the association between the city unemployment rate and home and car ownership and how the relationship varies by family structure (married, cohabiting, and single parents) and by race/ethnicity (White, Black, and Hispanic mothers). Using mother fixed-effects models, we find that a one percentage point increase in the unemployment rate is associated with a -0.5 percentage point decline in the probability of home ownership and a -0.7 percentage point decline in the probability of car ownership. We also find that the recession was associated with lower levels of home ownership for cohabiting families and for Hispanic families, as well as lower car ownership among single mothers and among Black mothers, whereas no change was observed among married families or White households. Considering that homes and cars are the most important assets among middle and low-income households in the U.S., these results suggest that the rise in the unemployment rate during the Great Recession may have increased household asset inequality across family structures and race/ethnicities, limiting economic mobility, and exacerbating the cycle of poverty.

Homeownership Rates by Race and Ethnicity: Hispanic (of Any Race) in the United States was 47.80% in January of 2025, according to the United States Federal Reserve. Historically, Homeownership Rates by Race and Ethnicity: Hispanic (of Any Race) in the United States reached a record high of 51.40 in April of 2020 and a record low of 40.30 in January of 1994. Trading Economics provides the current actual value, an historical data chart and related indicators for Homeownership Rates by Race and Ethnicity: Hispanic (of Any Race) in the United States - last updated from the United States Federal Reserve on July of 2025.

Using data on the value of Federal Housing Administration mortgage insurance between 1935 and 1939, I estimate the effect of the agency’s program on racial disparities in home-ownership and home values. The distance between an FHA office and counties within its jurisdiction is used as an instrument. I find that insurance activity had a negligible effect on the racial gap in home-ownership, and a sizable effect on the gap in home values. Results suggest that while African American households continued to acquire homes, they may have chosen lower-priced properties as they lacked the same access to credit as White buyers.

The majority of public housing households in the U.S. were of a racial minority in 2023. In about ** percent of the households, the head of the family belonged to a racial minority. That percentage was the lowest in Vermont, at ***** percent, and the highest in Puerto Rico, where a hundred percent of the households were considered a racial minority by the source.

Over the last decade, the United States has experienced continued growth in residential rooftop solar photovoltaic (PV) adoption. However, solar adoption disparities have been shown across household income, homeownership status, and more recently racial and ethnic demographics. A key component to ensuring a just clean energy transition is understanding the existing landscape to establish realistic goals. Motivated by studies on solar adoption disparities, this descriptive study aims to evaluate the distribution of estimated single-family rooftop potential across racial and ethnic majority census tracts to discern whether rooftop potential disparities may justify solar adoption disparities. Across all census tracts, the median rooftop potential was 80%. Three-fourths of all census tracts had a rooftop potential >72%, regardless of racial/ethnic majority. Compared to majority-white census tracts, majority-Black, majority-Hispanic, and majority-Asian census tracts had slightly lower rooftop potential, 6, 7, and 9%, respectively, while majority-American Indian census tracts had an 11% higher rooftop potential. The slightly lower rooftop potential in communities of color compared to majority-white and non-racial/ethnic majority census tracts, alone, was not of the magnitude to justify documented racial/ethnic disparities in solar adoption. This study concludes, that while a majority of homes in communities of color are solar suitable, an equitable clean energy transition is only possible with policies, programs, and incentives that center on racial equity while recognizing the interplay between race, income, and homeownership status.

Homeownership Rates by Race and Ethnicity: Non-Hispanic White Alone in the United States was 74.20% in January of 2025, according to the United States Federal Reserve. Historically, Homeownership Rates by Race and Ethnicity: Non-Hispanic White Alone in the United States reached a record high of 76.20 in April of 2004 and a record low of 69.80 in January of 1994. Trading Economics provides the current actual value, an historical data chart and related indicators for Homeownership Rates by Race and Ethnicity: Non-Hispanic White Alone in the United States - last updated from the United States Federal Reserve on May of 2025.

While experimental studies of local election officials have found evidence of racial discrimination, we know little about whether these biases manifest in bureaucracies that provide access to valuable government programs and are less tied to politics. We address these issues in the context of affordable housing programs using a randomized field experiment. We explore responsiveness to putative white, black, and Hispanic requests for aid in the housing application process. In contrast to prior findings, public housing officials respond at equal rates to black and white email requests. We do, however, find limited evidence of responsiveness discrimination towards Hispanics. Moreover, we observe substantial differences in email tone. Hispanic housing applicants were twenty percentage points less likely to be greeted by name than were their black and white counterparts. This disparity in tone is somewhat more muted in more diverse locations, but it does not depend on whether a housing official is Hispanic.

This dataset contains the data used in the study titled “Is hiding my first name enough? Using behavioural interventions to mitigate racial and gender discrimination in the rental housing market”. The data was collected from the London rental housing market between 2021 and 2022. Racial and gender biases are pervasive in housing markets. Males and ethnic minorities face discrimination in rental housing markets globally. The issue has been so pronounced that it regularly makes national and international headlines. In response to a racial discrimination lawsuit, Airbnb had to hide guests’ first names from rental hosts in Oregon, USA, starting in January 2022. Yet, there is little evidence that such measurement effectively counteracts racial and gender discrimination in housing markets.

Despite some well-established theoretical models developed more than half a century ago and a wealth of empirical evidence accumulated over the last two decades, studies examining effective solutions to combat discrimination remain sparse especially in housing markets. Given the complexity of the products and services involved and the relatively low frequency of transactions, nuanced studies are needed to understand how implicit racial and gender biases influence letting decisions.

This study investigates housing discrimination at the intersection where longstanding market behaviours meet the evolving insights of behavioural research. Although behavioural interventions have the potential to address both statistical and taste-based discrimination in the housing market, their successful implementation remains a challenge. Given the persistent biases and socio-economic dynamics in the housing market, interventions must be carefully tailored to the context.

By collecting evidence from field experiments, this research aims to gain insights into how real-world behavioural interventions can be effectively designed and implemented. Our focus remains twofold: to develop a robust theoretical framework and to translate its insights into tangible, impactful policy recommendations, with the ultimate goal of fostering a more inclusive housing market.

Although China has almost eliminated urban poverty, the total number of Chinese citizens in poverty remains at 82 million, most of which are rural residents. The development of rural finance is essential to preventing the country from undergoing further polarization because of the significant potential of such development to facilitate resource interflows between rural and urban markets and to support sustainable development in the agricultural sector. However, rural finance is the weakest point in China's financial systems. Rural households are more constrained than their urban counterparts in terms of financial product availability, consumer protection, and asset accumulation. The development of the rural financial system faces resistance from both the demand and the supply sides.

The proposed project addresses this challenge by investigating the applications of a proven behavioural approach, namely, Libertarian Paternalism, in the development of rural financial systems in China. This approach promotes choice architectures to nudge people into optimal decisions without interfering with the freedom of choice. It has been rigorously tested and warmly received in the UK public policy domain. This approach also fits the political and cultural background in China, in which the central government needs to maintain a firm control over financial systems as the general public increasingly demands more freedom.

Existing behavioural studies have been heavily reliant on laboratory experiments. Although the use of field studies has been increasing, empirical evidence from the developing world is limited. Meanwhile, the applications of behavioural insights in rural economic development in China remains an uncharted territory. Rural finance studies on the household level are limited; evidence on the role of psychological and social factors in rural households' financial decisions is scarce. The proposed project will bridge this gap in the literature.

Between 2018 and 2022, people in households in the ‘other’, Asian and black ethnic groups were the most likely to be in persistent low income, both before and after housing costs, out of all ethnic groups.

Data and Code for replication of results. Abstract of paper: In this paper, we use k-medians clustering to categorize urban neighborhoods according to the evolution of their Black population share from 1950 through 1990. We use the resulting classifications to compare the dynamics of median home values and rents for census tracts with rapid racial change, tracts with gradual racial turnover, tracts with a stable high Black population share, and tracts with a stable low Black population share. Our results imply that Black households that bought homes in neighborhoods with rapid racial change were likely to have lost money or barely broken even by 1990.

Between April 2008 and March 2024, households from the Pakistani and Bangladeshi ethnic groups were the most likely to live in low income out of all ethnic groups, before and after housing costs.