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Who Can Afford to Buy a House in 1991?

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Who Can Afford to Buy a House in 1991?

1993

Overview

This report is the second in a series dealing with homeownership affordability. Using the Survey of Income and Program Participation (SIPP), it presents a microlevel analysis of affordability by "qualifying" individual families and unrelated individuals for the purchase of several criterion homes in the area where they live. By utilizing information on income, assets, and debts, the report shows whether the family or individual could qualify using both conventional and FHA mortgage guidelines for a 30-year mortgage.

The tables and appendices included in this section are from the report issued in July 1993.

Appendices

Appendix A. Overview of the Survey of Income and Program Participation [<1.0 MB]

Table A-1. Design of the 1984 SIPP Panel [<1.0 MB]

Table A-2. Design of the 1987 SIPP Panel [<1.0 MB]

Table A-3. Design of the 1990 SIPP Panel [<1.0 MB]

Appendix B. Definitions and Explanations [<1.0 MB]

Appendix C. Methodology [<1.0 MB]

Appendix D. Data Quality [<1.0 MB]

Tables

Table A-1. Design of the 1984 SIPP Panel [<1.0 MB]

Table A-2. Design of the 1987 SIPP Panel [<1.0 MB]

Table A-3. Design of the 1990 SIPP Panel [<1.0 MB]

For Families and Unrelated Individuals

Table 1-1. Maximum-Priced Home That Can Be Afforded: United States [<1.0 MB]

Table 1-2. Affordability Status by Different Types of Criterion Homes: United States [<1.0 MB]

Table 1-3. Affordability Status for a Median-Priced Home [<1.0 MB]

Table 1-4. Affordability Status for a Modestly Priced Home [<1.0 MB]

Median-Priced Homes

Table 2-1. Affordability Status by Type of Family [<1.0 MB]

Table 2-2. Affordability Status by Race and Hispanic Origin [<1.0 MB]

Table 2-3. Affordability Status by Age of Householder [<1.0 MB]

Table 2-4. Affordability Status by 'Available' Family Money Income [<1.0 MB]

Table 2-5. Reason Cannot Be Afforded [<1.0 MB]

Table 2-6. Affordability Deficit [<1.0 MB]

Modestly Priced Homes

Table 3-1. Affordability Status by Type of Family: US and Regions [<1.0 MB]

Table 3-2. Affordability Status by Race and Hispanic Origin [<1.0 MB]

Table 3-3. Affordability Status by Age of Householder [<1.0 MB]

Table 3-4. Affordability Status by 'Available' Family Money Income [<1.0 MB]

Table 3-5. Reason Cannot Be Afforded [<1.0 MB]

Table 3-6. Affordability Deficit [<1.0 MB]

Affordability Historical Tables

Table 4-1. Affordability Status for Median-Priced Home: US, 1984, 1988, 1991 [<1.0 MB]

Table 4-2. Affordability Status for Modestly Priced Home: US, 1984, 1988, 1991 [<1.0 MB]

Table 4-3. Affordability Status by Value and Income Quintiles Using Conventional Financing [<1.0 MB]

Table 4-4. Affordability Status by Value and Income Quintiles Using FHA Financing [<1.0 MB]

Effect of Policy Changes

Table 5-3. Effect of Different Down Payment Subsidies for Median-Priced Home [<1.0 MB]

Table 5-4. Effect of Different Down Payment Subsidies for Modestly Priced Home [<1.0 MB]

Table 5-5. Effect of Changes in Required Down Payment for Median-Priced Home [<1.0 MB]

Table 5-6. Effect of Changes in Required Down Payment for Modestly Priced Home [<1.0 MB]

Related Information

Housing Affordability Publications

Page Last Revised - October 8, 2021

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