Household Survival Budget and Household Stability Budget by County

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1 Household Survival Budget and Household Stability Budget by County United Way ALICE Report - Hawaii, 2017

2 ALICE IN HAWAI I COUNTY 2015 Point-in-Time Data Population: 196,428 Number of Households: 64,201 Median Household Income: $60,033 (state average: $73,486) Unemployment Rate: 6.8% (state average: 4.9%) ALICE Households: 36% (state average: 37%); Households in Poverty: 19% (state average: 11%) How many households are struggling? ALICE is an acronym for Asset Limited, Income Constrained, Employed households that earn more than the Federal Poverty Level, but less than the basic cost of living for the county (the ALICE Threshold, or AT). Combined, the number of poverty-level and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve in 2010 for some, but not for all. Households by Income, 2007 to % 23% 13% 42% 45% 45% 38% 35% 36% % What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $13,550 for a single adult and $27,890 for a family of four, but less than the Household Survival Budget. Household Survival Budget, Hawai i County SINGLE ADULT 2 ADULTS, 1 INFANT, 1 PRESCHOOLER Monthly Costs Housing $749 $1,151 Child Care $ $1,222 Food $312 $1,032 Transportation $346 $692 Health Care $166 $635 Miscellaneous $195 $541 Taxes $379 $683 Monthly Total $2,147 $5,956 ANNUAL TOTAL $25,764 $71,472 Hourly Wage $12.88 $35.74 Sources: 2015 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Tax Foundation of Hawai i and Hawai i Department of Taxation; and Hawai i Department of Social Services.

3 How many families with children are struggling? many Hawai i County families with children live below the ALICE Threshold. Though more Hawai i County families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold. Families With Children by Income, % 33% 14% 8,873 6% 37% 16% 57% 3,957 16% 68% 1,442 Married Single Female-Headed Single Male-Headed County Subdivisions Hawai i County, 2015 Total Households % ALICE & Poverty Hilo 16,166 58% Honokaa-Kukuihaele 1,154 5 Kau 2,829 76% Keaau-Mountain View 12,087 72% North Hilo % North Kohala 1,915 52% North Kona 13,946 53% Paauhau-Paauilo % Pahoa-Kalapana 4,045 77% Papaikou-Wailea 1,698 63% South Kohala 6,131 5 South Kona 3,659 59% What assets do households have? Ownership of assets can contribute to stability of households. Yet few families in Hawai i County own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset. Assets, All Households, 2015 Note: Municipal-level data on this page is for Census county subdivisions. Totals will not match county-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income. 2

4 Hawaii County, HI Household Survival Budget, 2015 Household Stability Budget, 2015

5 ALICE IN HONOLULU COUNTY 2015 Point-in-Time Data Population: 998,714 Number of Households: 307,703 Median Household Income: $77,273 (state average: $73,486) Unemployment Rate: 4.8% (state average: 4.9%) ALICE Households: 37% (state average: 37%); Households in Poverty: 9% (state average: 11%) How many households are struggling? ALICE is an acronym for Asset Limited, Income Constrained, Employed households that earn more than the Federal Poverty Level, but less than the basic cost of living for the county (the ALICE Threshold, or AT). Combined, the number of poverty-level and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve in 2010 for some, but not for all. Households by Income, 2007 to % 59% 35% 32% 51% 54% 39% 37% 9% 9% 9% What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $13,550 for a single adult and $27,890 for a family of four, but less than the Household Survival Budget. Household Survival Budget, Honolulu County SINGLE ADULT 2 ADULTS, 1 INFANT, 1 PRESCHOOLER Monthly Costs Housing $1,260 $1,810 Child Care $ $1,365 Food $312 $1,032 Transportation $64 $99 Health Care $166 $635 Miscellaneous $228 $570 Taxes $478 $756 Monthly Total $2,508 $6,267 ANNUAL TOTAL $30,096 $75,204 Hourly Wage $15.05 $37.60 Sources: 2015 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Tax Foundation of Hawai i and Hawai i Department of Taxation; and Hawai i Department of Social Services.

6 How many families with children are struggling? many Honolulu County families with children live below the ALICE Threshold. Though more Honolulu County families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold. Families With Children by Income, % 32% 4% 65,121 18% 47% 35% 11,245 37% 48% 15% 5,137 Married Single Female-Headed Single Male-Headed County Subdivisions Honolulu County, 2015 Total Households % ALICE & Poverty Ewa 96,117 39% Honolulu 145,102 54% Koolauloa 5,151 45% Koolaupoko 35,092 37% Wahiawa 12,465 67% Waialua 4,290 62% Waianae 11,385 58% What assets do households have? Ownership of assets can contribute to stability of households. Yet few families in Honolulu County own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset. Assets, All Households, 2015 Note: Municipal-level data on this page is for Census county subdivisions. Totals will not match county-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income. 4

7 Honolulu County, HI Household Survival Budget, 2015 Household Stability Budget, 2015

8 ALICE IN KAUA I COUNTY 2015 Point-in-Time Data Population: 71,735 Number of Households: 21,862 Median Household Income: $77,140 (state average: $73,486) Unemployment Rate: 3.7% (state average: 4.9%) ALICE Households: 32% (state average: 37%); Households in Poverty: 11% (state average: 11%) How many households are struggling? ALICE is an acronym for Asset Limited, Income Constrained, Employed households that earn more than the Federal Poverty Level, but less than the basic cost of living for the county (the ALICE Threshold, or AT). Combined, the number of poverty-level and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve in 2010 for some, but not for all. Households by Income, 2007 to % 27% 49% 52% 4 37% 57% 32% 11% 11% 11% 11% What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $13,550 for a single adult and $27,890 for a family of four, but less than the Household Survival Budget. Household Survival Budget, Kaua i County SINGLE ADULT 2 ADULTS, 1 INFANT, 1 PRESCHOOLER Monthly Costs Housing $895 $1,222 Child Care $ $1,228 Food $312 $1,032 Transportation $346 $692 Health Care $166 $635 Miscellaneous $216 $552 Taxes $442 $710 Monthly Total $2,377 $6,071 ANNUAL TOTAL $28,524 $72,852 Hourly Wage $14.26 $36.43 Sources: 2015 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Tax Foundation of Hawai i and Hawai i Department of Taxation; and Hawai i Department of Social Services.

9 How many families with children are struggling? many Kaua i County families with children live below the ALICE Threshold. Though more Kaua i County families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold. Families With Children by Income, % 35% 7% Married 4,071 61% 5 29% Single Female- Headed % 33% Single Male- Headed 587 County Subdivisions Kaua i County, 2015 Total Households % ALICE & Poverty Eleele-Kalaheo 2,747 42% Hanalei 2,545 53% Kapaa 2,724 59% Kaumakani-Hanapepe 1,172 47% Kekaha-Waimea 1,644 51% Koloa-Poipu 2,201 55% Lihue 2,254 59% Puhi-Hanamaulu 2,545 5 Wailua-Anahola 4,573 51% What assets do households have? Ownership of assets can contribute to stability of households. Yet few families in Kaua i County own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset. Assets, All Households, 2015 Note: Municipal-level data on this page is for Census county subdivisions. Totals will not match county-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income. 6

10 Kauai County, HI Household Survival Budget, 2015 Household Stability Budget, 2015

11 ALICE IN MAUI AND KALAWAO COUNTIES 2015 Point-in-Time Data Population: 164,678 Number of Households: 52,134 Median Household Income: $70,497 (state average: $73,486) Unemployment Rate: 4.4% (state average: 4.9%) ALICE Households: 41% (state average: 37%); Households in Poverty: (state average: 11%) How many households are struggling? ALICE is an acronym for Asset Limited, Income Constrained, Employed households that earn more than the Federal Poverty Level, but less than the basic cost of living for the county (the ALICE Threshold, or AT). Combined, the number of poverty-level and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve in 2010 for some, but not for all. Households by Income, 2007 to % 31% 6% 51% 52% 49% 39% 38% 41% What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $13,550 for a single adult and $27,890 for a family of four, but less than the Household Survival Budget. Household Survival Budget, Maui County SINGLE ADULT 2 ADULTS, 1 INFANT, 1 PRESCHOOLER Monthly Costs Housing $870 $1,264 Child Care $ $1,014 Food $312 $1,032 Transportation $346 $692 Health Care $166 $635 Miscellaneous $212 $529 Taxes $431 $650 Monthly Total $2,337 $5,816 ANNUAL TOTAL $28,044 $69,792 Hourly Wage $14.02 $34.90 Sources: 2015 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Tax Foundation of Hawai i and Hawai i Department of Taxation; and Hawai i Department of Social Services.

12 How many families with children are struggling? that many Maui County families with children live below the ALICE Threshold. Though more Maui County families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold. Families With Children by Income, % 35% 6% 10,082 12% 15% 65% 23% 3,396 48% 37% 1,410 Married Single Female-Headed Single Male-Headed Maui and Kalawao Counties, 2015 County Subdivisions Tota Households % ALICE & Poverty East Molokai 1,574 73% Haiku-Pauwela 3,662 52% Hana % Kahului 7,109 53% Kalawao 54 26% Kihei 9,525 58% Kula 5,069 49% Lahaina 7,533 56% Lanai 1,197 6 Makawao-Paia 6,975 5 Spreckelsville % Waihee-Waikapu 2,130 37% Wailuku 7,126 5 West Molokai % What assets do households have? Ownership of assets can contribute to stability of households. Yet few families in Maui County own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset. Assets, All Households, 2015 Note: Municipal-level data on this page is for Census county subdivisions. Totals will not match county-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income. 8

13 Maui County, HI Household Survival Budget, 2015 Household Stability Budget, 2015

STUDY OF FINANCIAL HARDSHIP

STUDY OF FINANCIAL HARDSHIP ASSET LIMITED, INCOME CONSTRAINED, EMPLOYED ALABAMA, ALASKA, ARIZONA, ARKANSAS, CALIFORNIA, COLORADO, CONNECTICUT, DELAWARE, F ORIDA, GEORGlA, HAWAl, IDAJIO, ILUNOIS, INDIANA, IOWA, KANSAS, KENTUCKY, LOUISIAN,