CFED Scorecard

CFED Assets & Opportunity Scorecard

Housing & Homeownership
Homeownership by Race
Definition

Ratio of the homeownership rate of white, non-Hispanic households to households of color, 2014.

Description

Homeownership is the primary means of building wealth for most Americans, yet households of color have much lower homeownership rates than white households. This measure describes the disparity in homeownership rates between white households and households of color. For example, the homeownership rate for white households in New York is 2.3 times higher than for households of color.

To see the data disaggregated by race and ethnicity, click on the Data by Race tab below.

1.6 times as many white HHs in United States are homeowners compared to HHs of color

Homeownership by Race, 2014

State Homeownership Rate,
White Households (%)
Homeownership Rate,
Households of Color (%)
RatioRank
United States 71.0% 44.8% 1.59
Alabama 75.6% 49.7% 1.52 24
Alaska 67.8% 48.5% 1.40 9
Arizona 68.0% 47.5% 1.43 12
Arkansas 71.8% 46.1% 1.56 26
California 62.7% 44.0% 1.42 11
Colorado 69.1% 46.5% 1.49 19
Connecticut 75.7% 37.5% 2.02 47
Delaware 78.5% 51.9% 1.51 23
District of Columbia 48.0% 34.9% 1.38 6
Florida 72.7% 48.3% 1.50 22
Georgia 72.8% 46.8% 1.55 25
Hawaii 53.1% 57.3% 1.08 1
Idaho 70.2% 51.1% 1.38 5
Illinois 73.9% 46.9% 1.58 30
Indiana 73.3% 44.9% 1.63 33
Iowa 73.7% 43.5% 1.70 38
Kansas 70.9% 47.9% 1.48 17
Kentucky 70.0% 38.2% 1.83 42
Louisiana 74.4% 47.3% 1.57 29
Maine 72.6% 44.7% 1.63 32
Maryland 75.9% 51.6% 1.47 15
Massachusetts 69.0% 31.1% 2.22 49
Michigan 76.4% 46.7% 1.63 34
Minnesota 76.4% 40.8% 1.87 44
Mississippi 76.8% 53.0% 1.45 13
Missouri 71.9% 43.0% 1.67 37
Montana 68.7% 43.8% 1.57 28
Nebraska 70.0% 42.3% 1.65 35
Nevada 61.1% 41.2% 1.48 18
New Hampshire 72.4% 36.7% 1.97 46
New Jersey 75.8% 40.3% 1.88 45
New Mexico 71.1% 62.1% 1.15 2
New York 66.0% 28.5% 2.31 51
North Carolina 72.5% 45.6% 1.59 31
North Dakota 67.2% 36.0% 1.87 43
Ohio 71.0% 38.8% 1.83 41
Oklahoma 70.4% 50.4% 1.40 8
Oregon 64.4% 41.1% 1.57 27
Pennsylvania 74.2% 43.5% 1.71 39
Rhode Island 66.1% 29.3% 2.26 50
South Carolina 75.7% 51.4% 1.47 16
South Dakota 71.7% 39.7% 1.81 40
Tennessee 72.3% 43.7% 1.65 36
Texas 69.8% 51.8% 1.35 3
Utah 72.6% 51.2% 1.42 10
Vermont 70.9% 51.8% 1.37 4
Virginia 72.7% 48.8% 1.49 20
Washington 66.2% 45.3% 1.46 14
West Virginia 73.6% 49.2% 1.50 21
Wisconsin 71.3% 34.8% 2.05 48
Wyoming 69.4% 50.4% 1.38 7

Homeownership Rate, by Race and Ethnicity

Homeownership Rate (%)
State White HHsHHs of ColorBlack HHsAsian HHsNative American HHsHispanic HHs
United States 71.0% 44.8% 41.2% 57.5% 53.0% 45.0%
Alabama 75.6% 49.7% 49.8% 50.5% 67.5% 43.6%
Alaska 67.8% 48.5% 21.6% 59.4% 61.0% 40.6%
Arizona 68.0% 47.5% 31.0% 58.0% 50.5% 48.7%
Arkansas 71.8% 46.1% 44.5% 58.2% 59.9% 43.9%
California 62.7% 44.0% 34.0% 57.4% 43.9% 41.9%
Colorado 69.1% 46.5% 35.9% 58.5% 47.5% 48.2%
Connecticut 75.7% 37.5% 40.0% 56.4% 43.0% 32.7%
Delaware 78.5% 51.9% 52.0% 52.5% 78.3% 49.7%
District of Columbia 48.0% 34.9% 37.3% 38.4% 17.2% 28.8%
Florida 72.7% 48.3% 43.7% 65.4% 60.7% 49.9%
Georgia 72.8% 46.8% 45.6% 63.2% 46.0% 44.3%
Hawaii 53.1% 57.3% 13.7% 69.7% 26.3% 39.5%
Idaho 70.2% 51.1% 21.5% 69.4% 48.6% 49.5%
Illinois 73.9% 46.9% 38.5% 61.0% 49.6% 50.8%
Indiana 73.3% 44.9% 37.1% 53.2% 57.5% 53.6%
Iowa 73.7% 43.5% 30.4% 43.1% 48.2% 52.4%
Kansas 70.9% 47.9% 35.6% 54.6% 56.0% 51.4%
Kentucky 70.0% 38.2% 36.9% 47.3% 43.1% 32.7%
Louisiana 74.4% 47.3% 46.9% 63.7% 73.0% 42.5%
Maine 72.6% 44.7% 13.3% 66.4% 38.5% 53.7%
Maryland 75.9% 51.6% 49.7% 66.5% 44.7% 49.0%
Massachusetts 69.0% 31.1% 33.3% 51.8% 34.2% 21.9%
Michigan 76.4% 46.7% 40.7% 57.8% 62.8% 55.9%
Minnesota 76.4% 40.8% 23.8% 57.4% 46.7% 43.5%
Mississippi 76.8% 53.0% 53.8% 49.7% 69.7% 41.0%
Missouri 71.9% 43.0% 38.6% 53.1% 58.6% 46.1%
Montana 68.7% 43.8% 20.5% 26.9% 42.7% 44.4%
Nebraska 70.0% 42.3% 31.4% 49.7% 36.8% 46.5%
Nevada 61.1% 41.2% 27.6% 57.1% 51.7% 43.2%
New Hampshire 72.4% 36.7% 27.8% 48.9% 41.2% 27.5%
New Jersey 75.8% 40.3% 37.8% 61.1% 42.3% 35.3%
New Mexico 71.1% 62.1% 43.9% 60.3% 60.7% 64.8%
New York 66.0% 28.5% 30.5% 45.3% 36.1% 23.7%
North Carolina 72.5% 45.6% 45.2% 58.7% 65.5% 42.3%
North Dakota 67.2% 36.0% 9.8% 29.9% 41.9% 49.8%
Ohio 71.0% 38.8% 35.3% 53.2% 44.2% 43.8%
Oklahoma 70.4% 50.4% 36.8% 60.7% 61.1% 49.0%
Oregon 64.4% 41.1% 30.3% 56.6% 46.7% 38.2%
Pennsylvania 74.2% 43.5% 42.1% 59.7% 45.8% 39.4%
Rhode Island 66.1% 29.3% 26.8% 51.6% 26.6% 26.5%
South Carolina 75.7% 51.4% 51.8% 62.0% 60.8% 45.2%
South Dakota 71.7% 39.7% 22.3% 31.7% 37.1% 49.7%
Tennessee 72.3% 43.7% 43.7% 57.5% 64.8% 37.4%
Texas 69.8% 51.8% 40.8% 61.1% 58.1% 55.3%
Utah 72.6% 51.2% 36.6% 61.7% 61.4% 50.6%
Vermont 70.9% 51.8% 24.6% 49.9% 80.4% 49.6%
Virginia 72.7% 48.8% 46.2% 63.3% 62.5% 45.5%
Washington 66.2% 45.3% 33.4% 58.6% 53.2% 41.3%
West Virginia 73.6% 49.2% 42.9% 37.9% 68.9% 62.5%
Wisconsin 71.3% 34.8% 25.8% 40.9% 49.0% 40.7%
Wyoming 69.4% 50.4% 51.0% 61.6% 48.0% 52.0%

"—" indicates that no data is available.

Estimates for White households are generated for the White, non-Hispanic population. Likewise, estimates for Hispanic households include all households of Hispanic or Latino origin, regardless of race.

Change in Homeownership by Race

Homeownership by Race (Ratio)
State20072008200920102011201220132014
United States 1.49 1.51 1.53 1.54 1.56 1.57 1.57 1.59
Alabama 1.44 1.44 1.46 1.48 1.45 1.44 1.48 1.52
Alaska 1.24 1.32 1.28 1.42 1.34 1.39 1.43 1.40
Arizona 1.32 1.31 1.35 1.32 1.37 1.38 1.44 1.43
Arkansas 1.52 1.51 1.51 1.52 1.52 1.51 1.57 1.56
California 1.33 1.39 1.41 1.42 1.43 1.45 1.44 1.42
Colorado 1.38 1.46 1.43 1.48 1.47 1.46 1.49 1.49
Connecticut 1.88 2.00 2.02 2.07 2.08 2.03 2.13 2.02
Delaware 1.54 1.54 1.54 1.49 1.48 1.57 1.48 1.51
District of Columbia 1.49 1.53 1.52 1.36 1.37 1.33 1.44 1.38
Florida 1.38 1.40 1.42 1.42 1.44 1.46 1.47 1.50
Georgia 1.47 1.49 1.53 1.53 1.56 1.57 1.56 1.55
Hawaii 1.10 1.11 1.06 1.11 1.12 1.11 1.15 1.08
Idaho 1.28 1.26 1.24 1.44 1.25 1.31 1.40 1.38
Illinois 1.46 1.53 1.54 1.56 1.60 1.59 1.58 1.58
Indiana 1.54 1.56 1.63 1.62 1.68 1.68 1.70 1.63
Iowa 1.61 1.68 1.58 1.65 1.77 1.67 1.81 1.70
Kansas 1.41 1.40 1.43 1.43 1.46 1.44 1.53 1.48
Kentucky 1.68 1.69 1.70 1.77 1.75 1.79 1.86 1.83
Louisiana 1.50 1.47 1.50 1.50 1.53 1.51 1.56 1.57
Maine 1.89 1.45 1.88 1.70 1.50 1.64 1.39 1.63
Maryland 1.38 1.38 1.42 1.46 1.46 1.46 1.46 1.47
Massachusetts 2.01 2.07 2.07 2.14 2.15 2.18 2.18 2.22
Michigan 1.51 1.55 1.52 1.57 1.58 1.63 1.60 1.63
Minnesota 1.68 1.67 1.79 1.90 2.03 1.96 1.89 1.87
Mississippi 1.36 1.40 1.42 1.37 1.42 1.43 1.44 1.45
Missouri 1.54 1.55 1.62 1.66 1.67 1.67 1.67 1.67
Montana 1.62 1.62 1.45 1.42 1.44 1.44 1.45 1.57
Nebraska 1.53 1.49 1.55 1.52 1.58 1.66 1.59 1.65
Nevada 1.35 1.35 1.37 1.44 1.38 1.47 1.48 1.48
New Hampshire 1.39 1.47 1.53 1.50 1.40 1.50 1.55 1.97
New Jersey 1.77 1.78 1.80 1.82 1.82 1.87 1.87 1.88
New Mexico 1.07 1.14 1.10 1.13 1.11 1.11 1.11 1.15
New York 2.25 2.27 2.22 2.28 2.32 2.33 2.24 2.31
North Carolina 1.57 1.57 1.53 1.54 1.53 1.54 1.58 1.59
North Dakota 2.16 1.87 1.63 1.50 1.70 1.83 1.93 1.87
Ohio 1.70 1.72 1.76 1.78 1.79 1.83 1.80 1.83
Oklahoma 1.36 1.33 1.34 1.35 1.34 1.36 1.37 1.40
Oregon 1.41 1.39 1.57 1.46 1.54 1.48 1.48 1.57
Pennsylvania 1.60 1.58 1.61 1.59 1.63 1.68 1.67 1.71
Rhode Island 2.07 1.82 2.12 2.17 2.02 2.14 2.27 2.26
South Carolina 1.47 1.44 1.45 1.49 1.48 1.46 1.47 1.47
South Dakota 1.91 1.56 2.00 1.89 1.93 1.95 1.95 1.81
Tennessee 1.54 1.49 1.53 1.57 1.62 1.64 1.62 1.65
Texas 1.30 1.31 1.33 1.32 1.33 1.33 1.33 1.35
Utah 1.42 1.35 1.40 1.46 1.49 1.38 1.49 1.42
Vermont 1.51 1.30 1.57 1.28 1.60 1.91 1.35 1.37
Virginia 1.37 1.38 1.44 1.44 1.44 1.48 1.48 1.49
Washington 1.41 1.38 1.37 1.48 1.48 1.50 1.50 1.46
West Virginia 1.52 1.35 1.71 1.66 1.48 1.47 1.56 1.50
Wisconsin 1.75 1.78 1.81 1.80 1.88 2.08 2.03 2.05
Wyoming 1.23 1.26 1.44 1.24 1.43 1.31 1.28 1.38

Definition

Ratio of the homeownership rate of white, non-Hispanic households to households of color (Black or African-American; American Indian and Native Alaskan; Asian; Native Hawaiian and other Pacific Islander; Hispanic or Latino; some other race; two or more races), 2014.

Calculated by dividing the higher value by the lower value (i.e., the homeownership rate of white households divided by households of color, except in Hawaii, where households of color have a higher homeownership rate).

A ratio of 1 indicates perfect equality; the higher the ratio, the greater the inequality. 

Source

2014 American Community Survey. Washington, DC: U.S. Department of Commerce, Census Bureau, 2015.

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