27% 42% 51% 16% 51% 19% PROFILE. Assets & opportunity ProfILe: PortLANd. key highlights. ABoUt the ProfILe ASSETS & OPPORTUNITY

Size: px
Start display at page:

Download "27% 42% 51% 16% 51% 19% PROFILE. Assets & opportunity ProfILe: PortLANd. key highlights. ABoUt the ProfILe ASSETS & OPPORTUNITY"

Transcription

1 Assets & opportunity ProfILe: PortLANd ASSETS & OPPORTUNITY PROFILE key highlights 27% of Portland households live in asset poverty Cities have long been thought of as places of opportunity for low-income workers to forge pathways to the middle class. Yet, far too many urban households struggle to gain a foothold in the mainstream economy. In major U.S. cities, one out of every four households owe more than they own, and almost 60% of consumers have subprime credit scores. More than one-third of families do not have enough assets to live for three months at the federal poverty level should they lose their main source of income. Not only does financial insecurity destabilize families, it also jeopardizes the long-term vitality of cities and local economies. That is why a growing number of local leaders are expanding the vision of what cities can and should do to create financial security and opportunity for low-income residents. Local asset-building programs have proliferated in the nonprofit sector for more than a decade, but across the country, local leaders are pioneering new ways to leverage those programs, along with new policies and resources to expand the reach of asset-building opportunities for low- and moderate-income families. At their best, these new efforts utilize a systems approach that works across departmental silos and public/private sector divides to improve access to the information, products and protections that help families become more financially stable. ABoUt the ProfILe This Assets & Opportunity Profile was created to fuel a local conversation about wealth, poverty and opportunity in Portland. It includes a data snapshot of the financial security and opportunities for Portland residents. It also contains an overview of what it takes for households to achieve financial security and what cities are doing nationally to help financially educate, empower and protect residents and enable them to build a more prosperous future. 42% of Portland minority households live in asset poverty 51% of Portland renters are cost burdened 16% of Portland households have self-employment income 51% of Multnomah County residents have subprime credit scores 19% of Multnomah County residents are uninsured 1

2 household financial security framework CFED created the Household Financial Security Framework to illustrate from a household s perspective what it really takes to build financial security over time. Individuals must first learn the knowledge and skills that enable them to earn an income and manage their money. They then use that income to take care of basic living expenses and debt payments and save for future purposes. As savings grow, households can invest in assets that will appreciate over time and generate wealth and income. Throughout the cycle, access to insurance and consumer protections help households protect the gains they make. The Framework s focus on the household provides a universal lens that any organization government, nonprofit, philanthropic or private sector can look through to identify the ways their work contributes to the financial betterment of families. LEARN Knowledge and skills that enable navigation of and success in markets (labor, financial) have a direct bearing on financial security K-12 & Postsecondary Education: Basic literacy and math skills, plus commitment to lifelong learning are critical for employment and advancement Financial Education & Counseling: Timely, relevant, accurate information on basic budgeting, taxes, financial products and services, and use of credit Asset-specific Education: Preparation for homeownership, business ownership, postsecondary education, and financial investments Assets can increase income and earning capacity EARN Wage Income + Business Income + Public & Employee Benefits + Tax Credits + Investment Income = Income SAVE Income - Current Consumption - Debt Payments = Savings INVEST Savings + Borrowing + Public Incentives = Assets Ability to Maximize Income Depends On: Access to reliable basic goods and services (housing, transportation, medical care, child care, food) Available quality job and business opportunities Access to public benefits and tax credits (e.g., EITC, Child Care) Asset ownership (higher education, home, business, financial investments) Knowledge and skills related to work, taxes and benefits Ability to Save Depends On: Access to affordable basic goods and services (housing, transportation, medical care, child care, food) Debt reduction Convenient, low-cost financial products (transaction and savings vehicles, credit and insurance products) Convenient, affordable financial structures (e.g., direct deposit, automatic enrollment, online banking, bank location) Knowledge and skills related to money management, financial products, and credit building and repair Ability to Build Assets Depends On: Price and appreciation of assets (higher education, home, business, financial investments) Affordable financing Access to public incentives (e.g., downpayment assistance, gov t loan guarantees, tax incentives, Pell Grants, IDA/CSA match) Knowledge and skills related to asset purchase and management PROTECT Gains must be protected against loss of income or assets, extraordinary costs, and harmful or predatory external forces Insurance (public or private): Protects against loss of income or assets as well as against extraordinary costs (e.g., unemployment, disability, life, health/medical, property) Consumer Protections: Protect consumers from discriminatory, deceptive and/or predatory practices (e.g., redlining, predatory mortgage lending, payday lending, banking practices) Asset preservation: Depends on government policies (e.g., community investments, blight ordinances, foreclosure prevention) and market conditions 2 MUNICIPAL profile: portland

3 CFED: ASSETS & OPPORTUNITY PROFILE strategies to Build Financial Security Using the lens of this Framework, it is possible to look holistically at whether the needs of households in your community are being met. Once you have identified the particular household strengths and needs in your community, you can look at the services and infrastructures currently available to households and try to find the gaps. Are there needs that are going unmet? Are there services that are being provided that are not being leveraged? What partnerships could be formed to better serve households? A new vanguard of local leaders understands these challenges and is creating partnerships and programs that expand access to mainstream banking and wealth-building opportunities, as well as help families protect the assets they have and become more financially stable. These local leaders are pioneering new ways to leverage the resources and regulatory power of municipalities to work across departmental silos and public/private sector divides to scale up economic inclusion and asset-building opportunities for low- and moderate-income families. The following are examples from across the nation of the range of program and policy strategies they are implementing to financially educate, empower and protect their residents. GOAL Improve access to high quality financial information, education and counseling Increase Access to Income-Boosting Supports and Tax Credits Connect Residents to Safe, Affordable Financial Products and Services Create opportunities to build savings and assets Protect consumers in the financial marketplace CITY STRATEGIES Create financial education and counseling networks and referral structures Open neighborhood-based financial one-stop centers Incorporate financial education into social service and workforce programs Standardize and certify financial education services and providers Leverage technology to streamline public benefits screening and uptake Create access points for benefits screening in high-need communities Launch VITA and EITC public awareness campaigns Fund free or low-cost tax prep services Enact a locally-funded EITC Increase access to low-cost transaction and savings products through Bank On campaigns or in partnership with financial institutions Create affordable credit products, e.g., small dollar, refund anticipation (RALs) or auto refinance loans Encourage employers to use direct deposit Provide access to short-term and emergency savings products Offer incentivized savings accounts, e.g., Individual Development Accounts (IDAs), college savings accounts, or other accounts for uses such as buying a home or a vehicle Expand access to small business capital and training and use tax time to connect businesses and the self employed to training and resources Provide opportunities for first-time homeownership through homeownership counseling or shared equity programs Limit or manage the proliferation of alternative, high-cost alternative financial service providers through licensing and zoning powers Curb predatory consumer lending through enforcement of local disclosure laws or litigation Implement foreclosure prevention strategies, including foreclosure counseling, forgivable emergency loans, encouraging lender workouts, and assistance to tenants in foreclosed properties 3

4 about the data The data in the Profile provide a comprehensive look at the financial stability and economic resiliency of families in Portland and Multnomah County. It also highlights racial disparities, which remain stark in Multnomah County. Selected data measures show how much worse households of color are faring than white households. Limited data exists for communities of color, which are typically undercounted and insufficiently represented in survey data. As a result, data on racial disparities are provided for measures that are both particularly key to household financial stability and available through reliable data sources. portland population demographics Total Population , , ,226, ,831, ,745,538 By Race White % % % % % % % %... American Indian and Alaska Native % % % % % % % %... Native Hawaiian and Other Pacific Islander % % % %... Hispanic or Latino % % % %... U.S. Citizen % % % %... Speak English Less Than Very Well % % % % % 13.6% 1.7% 5.6% 0.4% 16.3% 92.8% 8.6% household finances & use of services Median Household Income... $48, $50, $57, $49, $52,175 % Worse for People of Color % % % % % Income Poverty Rate % % % % % % Worse for People of Color % % % % % Asset Poverty Rate % % % % % % Worse for People of Color % % % % % Extreme Asset Poverty Rate % % % % % % Worse for People of Color % % % % % Unbanked Households... n/a... n/a % % % Underbanked Households... n/a... n/a % % % Median Credit Score... n/a Consumers with Subprime Credit Scores... n/a % % % % Average Credit Card Debt... n/a... $11, $12, $11, $11,906 Average Revolving Credit Utilization... n/a % % % % Average Installment Debt... n/a... $25, $23, $23, $23,316 Borrowers 90+ Days Overdue... n/a % % % % Median Household Income by Race in Multnomah County White American Indian and Alaska Native Native Hawaiian and Other Pacific Islander Hispanic or Latino $26,409 $35,978 $38,523 $37,453 $53,149 $54,124 Income Poverty by Race in Multnomah County White American Indian and Alaska Native Native Hawaiian and Other Pacific Islander Hispanic or Latino 7.0% n/a 11.5% n/a 25.3% 31.3% 0 $10k $20k $30k $40k $50k $60k 0 5% 10% 15% 20% 25% 30% 35% 4 MUNICIPAL profile: portland

5 CFED: ASSETS & OPPORTUNITY PROFILE employment & business ownership Annual Unemployment Rate % % % % % Average Annual Pay... n/a... $46, $45, $40, $45,563 Self-Employment % % % % % Microenterprise Ownership Rate... n/a Vehicle Non-Availability by Working Household % % % % % housing & homeownership Homeownership Rate % % % % % % Worse for People of Color % % % % % Cost Burdened Renters % % % % % Cost Burdened Owners % % % % % Affordability of Homes Average Mortgage Debt... n/a... $225, $227, $205, $192,774 High-Cost Mortgage Loans % % % % % Foreclosure Rate... n/a %... n/a % % Homeownership by Race in Multnomah County White American Indian and Alaska Native Native Hawaiian and Other Pacific Islander Hispanic or Latino 23.6% 33.6% 37.2% 38.3% 62.2% 70.1% Bachelor s Degree by Race in Multnomah County White American Indian and Alaska Native Native Hawaiian and Other Pacific Islander Hispanic or Latino 17.1% 14.9% 11.3% 14.6% 34.1% 40.2% 0 20% 40% 60% 80% 0 10% 20% 30% 40% 50% educational attainment Less than High School % % % % % High School Degree % % % % % % Worse for People of Color % % % % % Associate s Degree % % % %... Bachelor s Degree % % % % % 27.4% % Worse for People of Color % % % % % Graduate or Professional Degree % % % % % health insurance Uninsured Rate... n/a %... n/a %... Uninsured Low-Income... n/a %... n/a %... Uninsured Low-Income Children... n/a %... n/a % % 31.5% 17.8% 5

6 HOUSEHOLDS IN ASSET POVERTY Asset poverty is a measure that expands the notion of poverty to establish a minimum threshold of wealth needed for household security. A household is asset poor if it has in sufficient net worth to support itself at the federal poverty level for three months in the absence of income, i.e., net worth of less than $4,577 for a family of three in Asset poor households would not have enough savings or wealth to provide for basic needs during a sudden job loss or a medical emergency. Households of color and single-parent households are more likely to be asset poor, as are those with lower levels of education. Even middle-income families face asset poverty. In Portland, 22% of those earning between $37,741 and $59,604 are asset poor. PERCENT OF HOUSEHOLDS...City of... Multnomah... Portland,... Oregon... United IN ASSET POVERTY All Households % % % % % By Housing Tenure Homeowner % % % % % Renter % % % % % By Race White % % % %... People of Color % % % %... Black % % % %... Latino % % % % % % % %... Native American % % % % % 39.8% 45.8% 41.2% 17.6% 39.7% By Education High School % % % %... Some College % % % %... Bachelor s Degree % % % %... Advanced Degree % % % % % 26.2% 15.4% 10.6% By Age of Householder < % % % % % % % % % % % % % % % % % 24.3% 17.6% 13.6% By Family Status Married % % % %... Household with Children % % % %... Single Parent % % % % % 27.6% 49.7% By Poverty Status Below Income Poverty Line % % % %... Above Income Poverty Line % % % % % 22.1% By Household Income Below $19, % % % %... $19,993-$37, % % % %... $37,741-$59, % % % % % 37.9% 23.5% $59,605-$93, % % % % % Above $93, % % % % % ENDNOTES 1 The Portland MSA is defined as the 7-county region of: Clackamas County (OR), Columbia County (OR), Multnomah County (OR), Washington County (OR), Yamhill County (OR), Clark County (WA), and Skamania County (WA). 2 In this Profile, selected measures show disparities between white households and households of color expressed as a percentage gap. This gap is defined as the percentage difference between the two types of households and is calculated by using the following formula: (households of color white households)/white households. 6 MUNICIPAL profile: portland

7 CFED: ASSETS & OPPORTUNITY PROFILE data measures & SOURCes Population Demographics Household Finances & Use of Services Employment & Business Ownership Data Measure Measure Description Source Total Population Total population U.S. Census Bureau, 2010 Census White, non-hispanic Percentage of population that is White, non-hispanic U.S. Census Bureau, 2010 Census American Indian and Alaska Native Native Hawaiian and Other Pacific Islander Percentage of population that is alone or in combination with another race Percentage of population that is American Indian or Alaska Native alone or in combination with another race Percentage of population that is alone or in combination with another race Native Hawaiian or Other Pacific Islander alone or in combination with another race U.S. Census Bureau, 2010 Census U.S. Census Bureau, 2010 Census U.S. Census Bureau, 2010 Census U.S. Census Bureau, 2010 Census Hispanic or Latino Percentage of population that is Hispanic or Latino U.S. Census Bureau, 2010 Census U.S. Citizen Percentage of population that are U.S. citizens Speak English Less Than "Very Well" Percentage of population 5 years and older that speaks English less than "very well" Median Household Income Median household income in the past 12 months Income Poverty Rate Asset Poverty Rate Extreme Asset Poverty Rate Unbanked Households Underbanked Households Percentage of all families with income in the past 12 months below the federal poverty threshold Percentage of households without sufficient net worth to subsist at the poverty level for three months in the absence of income Percentage of households that have zero or negative net worth Percentage of households lacking both a checking and savings account Percentage of households that have a checking or savings account but have used non-bank money orders, non-bank check-cashing services, payday loans, rent-to-own agreements, or pawn shops at least once or twice a year or refund anticipation loans at least once in the past five years Median Credit Score Median TransUnion TransRisk score TransUnion (Q1 2010) Consumers with Subprime Credit Scores Average Credit Card Debt Average Revolving Credit Utilization Average Installment Debt Borrowers 90+ Days Overdue Annual Unemployment Rate Average Annual Pay Self-Employment Microenterprise Ownership Rate Vehicle Non-Availability by Working Household Percentage of consumers with a TransRisk score <=700 [on a scale of ] Average amount of revolving debt (including debt from credit cards, private label cards, and lines of credit) per revolving borrower Estimates calculated by Haverman Economics, based on U.S. Census Bureau's 2004 Survey of Income and Program Participation, Wave 6 (2006) and American Community Survey Estimates calculated by Haverman Economics, based on U.S. Census Bureau s 2004 Survey of Income and Program Participation, Wave 6 (2006) and American Community Survey FDIC National Survey of Unbanked and Underbanked Households (2009). FDIC National Survey of Unbanked and Underbanked Households (2009). TransUnion (Q1 2010) TransUnion (Q1 2010) Average percentage of credit limit in use per revolving borrower TransUnion (Q1 2010) Average amount of installment debt per installment borrower. Here, installment debt refers to any debt that is paid back in fixed monthly installments (e.g. vehicle loans, student loans) but excludes mortgage debt Percentage of borrowers who are 90 days or more past due on any debt payments Annual average unemployment rate of the civilian noninstitutional population 16 years of age and older, not seasonally adjusted Average annual pay for all workers covered by unemployment insurance Percentage of households reporting any self-employment income in the past 12 months Number of businesses with 0-4 employees (non-employer firms plus establishments with 1-4 employees), per 100 people in the labor force Percentage of households (with at least one worker) lacking access to a vehicle TransUnion (Q1 2010) TransUnion (Q1 2010) U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (2009); U.S. Census Bureau, Current Population Survey (2009) U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (2008) CFED calculation based on U.S. Census Bureau, Nonemployer Statistics (2007), County Business Patterns (2007), and Current Population Survey (2007); U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (2007) 7

8 CFED: ASSETS & OPPORTUNITY PROFILE Health Insurance Housing & Homeownership Data Measure Measure Description Source Uninsured Rate Uninsured Low-Income Uninsured Low-Income Children Percentage of non-elderly population without health insurance Percentage of non-elderly population at or below 200% of the federal poverty line without health insurance Percentage of children under 19 years of age at or below 200% of the federal poverty line without health insurance U.S. Census Bureau, Small Area Health Insurance Estimates (2006) and Current Population Survey, Annual Social and Economic Supplement (2007) U.S. Census Bureau, Small Area Health Insurance Estimates (2006) and Current Population Survey, Annual Social and Economic Supplement (2007) U.S. Census Bureau, Small Area Health Insurance Estimates (2006) and Current Population Survey, Annual Social and Economic Supplement (2007) Homeownership Rate Percentage of occupied housing units that are owner occupied Cost Burdened Renters Cost Burdened Owners Affordability of Homes Percentage of renter-occupied units spending 30% or more of household income on rent and utilities Percentage of mortgaged owners spending 30% or more of household income on selected monthly owner costs Median housing value divided by median household income Average Mortgage Debt Average mortgage debt per mortgage borrower TransUnion (Q1 2010) High-Cost Mortgage Loans Percentage of all home purchase loans (1-4 family, owner-occupied dwelling) with interest rates 3 or more percentage points for a first lien loan or 5 or more percentage points for a second lien loan above the yield on a comparable term treasury security CFED calculation based on U.S. Census Bureau, American Community Survey data Home Mortage Disclosure Act (HMDA) data (2008), accessed through Policy Map Foreclosure Rate Percentage of all mortgage loans that are in foreclosure LPS Applied Analytics, County Delinquency Report (May 2010) Less than High School Percentage of population 25 and older who have not completed high school Educational Attainment High School Degree Associate's Degree Bachelor's Degree Graduate or Professional Degree Percentage of population 25 and older who have at least a high school degree, GED or alternative degree Percentage of population 25 and older who have at least an associate's (2 year college) degree Percentage of population 25 and older who have at least a bachelor's (4 year college) degree Percentage of population 25 and older who have a graduate or professional degree about CFED CFED (Corporation for Enterprise Development) expands economic opportunity by helping Americans start and grow businesses, go to college, own a home, and save for their children s and own economic futures. We identify promising ideas, test and refine them in communities to find out what works, craft policies and products to help good ideas reach scale, and develop partnerships to promote lasting change. We bring together community practice, public policy and private markets in new and effective ways to achieve greater economic impact. about coalition of communities of color Formed in 2001, the Coalition of Communities of Color is an alliance of culturally-specific community based organizations with representatives from the following communities African, African American, and Pacific Islander, Latino, Native American, and Slavic. The primary role of the Coalition is to advocate for racial equity through research and education, policy analysis and advocacy, and capacity building within communities of color and organizations of color. The Coalition s mission is 1) to address the socioeconomic disparities, institutional racism, and inequity of services experienced by our families, children and communities; and 2) to organize our communities for collective action resulting in social change to obtain self-determination, wellness, justice and prosperity. We gratefully acknowledge support for this Profile from the Northwest Area Foundation. 8 MUNICIPAL profile: portland PUBLIshed August 2011

35% 26% 57% 51% PROFILE. CIty of durham: Assets & opportunity ProfILe. key highlights. ABoUt the ProfILe ASSETS & OPPORTUNITY

35% 26% 57% 51% PROFILE. CIty of durham: Assets & opportunity ProfILe. key highlights. ABoUt the ProfILe ASSETS & OPPORTUNITY CIty of durham: Assets & opportunity ProfILe ASSETS & OPPORTUNITY PROFILE key highlights 35% of Durham County households live in asset poverty Cities have long been thought of as places of opportunity

More information

36% 50% 11% 59% 35% PROFILE ASSETS & OPPORTUNITY PROFILE: CHARLOTTE KEY HIGHLIGHTS ABOUT THE PROFILE ASSETS & OPPORTUNITY

36% 50% 11% 59% 35% PROFILE ASSETS & OPPORTUNITY PROFILE: CHARLOTTE KEY HIGHLIGHTS ABOUT THE PROFILE ASSETS & OPPORTUNITY ASSETS & OPPORTUNITY PROFILE: CHARLOTTE ASSETS & OPPORTUNITY PROFILE KEY HIGHLIGHTS 36% of Charlotte households live in asset poverty Cities have long been thought of as places of opportunity for low-income

More information

10% 21% 37% 24% 71% 10% PROFILE ASSETS & OPPORTUNITY KEY HIGHLIGHTS ABOUT THE PROFILE ASSETS & OPPORTUNITY PROFILE: NEW ORLEANS

10% 21% 37% 24% 71% 10% PROFILE ASSETS & OPPORTUNITY KEY HIGHLIGHTS ABOUT THE PROFILE ASSETS & OPPORTUNITY PROFILE: NEW ORLEANS ASSETS & OPPORTUNITY PROFILE: NEW ORLEANS ASSETS & OPPORTUNITY PROFILE KEY HIGHLIGHTS of New Orleans working households don t have access to a vehicle Cities have long been thought of as places of opportunity

More information

39% 22% 56% 49% 35% 60% PROFILE. Assets & opportunity ProfILe: winston-salem ANd forsyth CoUNtY. KeY HIgHLIgHts. AboUt the ProfILe

39% 22% 56% 49% 35% 60% PROFILE. Assets & opportunity ProfILe: winston-salem ANd forsyth CoUNtY. KeY HIgHLIgHts. AboUt the ProfILe Assets & opportunity ProfILe: winston-salem ANd forsyth CoUNtY ASSETS & OPPORTUNITY PROFILE KeY HIgHLIgHts 39% of Winston-Salem households live in asset poverty Cities have long been thought of as places

More information

39% 22% 56% 49% 35% 60% PROFILE. key highlights. About the Profile ASSETS & OPPORTUNITY

39% 22% 56% 49% 35% 60% PROFILE. key highlights. About the Profile ASSETS & OPPORTUNITY ASSETS & OPPORTUNITY PROFILE: winston-salem and forsyth county ASSETS & OPPORTUNITY PROFILE key highlights 39% of Winston-Salem households live in asset poverty Cities have long been thought of as places

More information

31% 41% 11% 50% 18% PROFILE ASSETS & OPPORTUNITY PROFILE: SAN FRANCISCO KEY HIGHLIGHTS ABOUT THE PROFILE ASSETS & OPPORTUNITY

31% 41% 11% 50% 18% PROFILE ASSETS & OPPORTUNITY PROFILE: SAN FRANCISCO KEY HIGHLIGHTS ABOUT THE PROFILE ASSETS & OPPORTUNITY ASSETS & OPPORTUNITY PROFILE: SAN FRANCISCO ASSETS & OPPORTUNITY PROFILE KEY HIGHLIGHTS 31% of San Francisco residents live in asset poverty Cities have long been thought of as places of opportunity for

More information

In Baltimore City today, 20% of households live in poverty, but more than half of the

In Baltimore City today, 20% of households live in poverty, but more than half of the Building Economic Opportunity in Baltimore: A Data Profile Baltimore Highlights In Baltimore City today, 20% of households live in poverty, but more than half of the city s population 55% is financially

More information

ASSET BUILDING, THE HISTORY OF AFI, AND HOW AFI AND ASSET BUILDING FIT INTO THE BROADER FIELD OF PROGRAMS AND POLICIES THAT ADDRESS POVERTY

ASSET BUILDING, THE HISTORY OF AFI, AND HOW AFI AND ASSET BUILDING FIT INTO THE BROADER FIELD OF PROGRAMS AND POLICIES THAT ADDRESS POVERTY ASSET BUILDING, THE HISTORY OF AFI, AND HOW AFI AND ASSET BUILDING FIT INTO THE BROADER FIELD OF PROGRAMS AND POLICIES THAT ADDRESS POVERTY Ida Rademacher Chief Program Officer CFED April 1, 2014 HHS Office

More information

STATE OUTCOME & POLICY REPORT OUTCOME RANK POLICIES ADOPTED

STATE OUTCOME & POLICY REPORT OUTCOME RANK POLICIES ADOPTED STATE OUTCOME & POLICY REPORT OUTCOME RANK POLICIES ADOPTED 31 12 out of 50 OUTCOME HIGHLIGHTS POLICY HIGHLIGHTS 59.6% of Indiana households kept emergency savings in the past year Has state eliminated

More information

STATE OUTCOME & POLICY REPORT OUTCOME RANK POLICIES ADOPTED

STATE OUTCOME & POLICY REPORT OUTCOME RANK POLICIES ADOPTED STATE OUTCOME & POLICY REPORT OUTCOME RANK POLICIES ADOPTED 20 28 out of 53 OUTCOME HIGHLIGHTS POLICY HIGHLIGHTS 30.8% of Connecticut households live in liquid asset poverty Has state enacted a refundable

More information

45% 42% 1 IN 4 2 IN 5 CONSUMERS IN DALLAS COUNTY HAVE PRIME CREDIT SCORES DALLAS. Assets and Opportunity in Dallas, TX. Data Highlights SAVINGS ASSETS

45% 42% 1 IN 4 2 IN 5 CONSUMERS IN DALLAS COUNTY HAVE PRIME CREDIT SCORES DALLAS. Assets and Opportunity in Dallas, TX. Data Highlights SAVINGS ASSETS DALLAS Data Highlights In 2012, the Communities Foundation of Texas, the Thomson Family Foundation and Prosperity Now (formerly CFED) published the Asset & Opportunity Profile of Dallas, which provided

More information

Financial Wellness and Economic Inclusion

Financial Wellness and Economic Inclusion Financial Wellness and Economic Inclusion NPHS Financial Wellness and Economic Inclusion programs work together to assist underserved consumers to access, obtain and build assets that create pathways for

More information

ALLEGANY COUNTY UNITED WAY INCOME IMPACT COUNCIL STRATEGIES AND APPROACHES

ALLEGANY COUNTY UNITED WAY INCOME IMPACT COUNCIL STRATEGIES AND APPROACHES ALLEGANY COUNTY UNITED WAY INCOME IMPACT COUNCIL STRATEGIES AND APPROACHES VISION: Provide people of all ages with the structural opportunities that result in economic self-sufficiency. The Allegany County

More information

Economic Inclusion Programs and Services

Economic Inclusion Programs and Services Economic Inclusion Programs and Services NPHS Economic Inclusion programs work together to assist underserved consumers to access, obtain and build assets that create pathways for achieving family self-sufficiency

More information

Northwest Census Data Aggregation

Northwest Census Data Aggregation Northwest Census Data Aggregation 2011-2015 American Community Survey Data, U.S. Census Bureau Table 1 (page 2) Table 2 (page 2) Table 3 (page 3) Table 4 (page 4) Table 5 (page 4) Table 6 (page 5) Table

More information

The Racial Wealth Gap: Latinos

The Racial Wealth Gap: Latinos FACT SHEET April 2014 The Racial Wealth Gap: Latinos Facts At A Glance The median wealth of White households is 18 times that of Latino households. The growing racial wealth gap occurring in the U.S. is

More information

Commission District 4 Census Data Aggregation

Commission District 4 Census Data Aggregation Commission District 4 Census Data Aggregation 2011-2015 American Community Survey Data, U.S. Census Bureau Table 1 (page 2) Table 2 (page 2) Table 3 (page 3) Table 4 (page 4) Table 5 (page 4) Table 6 (page

More information

Tyler Area Economic Overview

Tyler Area Economic Overview Tyler Area Economic Overview Demographic Profile. 2 Unemployment Rate. 4 Wage Trends. 4 Cost of Living Index...... 5 Industry Clusters. 5 Occupation Snapshot. 6 Education Levels 7 Gross Domestic Product

More information

Riverview Census Data Aggregation

Riverview Census Data Aggregation Riverview Census Data Aggregation 2011-2015 American Community Survey Data, U.S. Census Bureau Table 1 (page 2) Table 2 (page 2) Table 3 (page 3) Table 4 (page 4) Table 5 (page 4) Table 6 (page 5) Table

More information

Local Business Profile All Sectors - Fairfield city, Ohio. Contents. What will I find in this report? My Customers

Local Business Profile All Sectors - Fairfield city, Ohio. Contents. What will I find in this report? My Customers Local Business Profile All Sectors -, Contents What will I find in this report? My Customers The My Customers section provides summarized demographic information for,. This information provides a snapshot

More information

Zipe Code Census Data Aggregation

Zipe Code Census Data Aggregation Zipe Code 66101 Census Data Aggregation 2011-2015 American Community Survey Data, U.S. Census Bureau Table 1 (page 2) Table 2 (page 2) Table 3 (page 3) Table 4 (page 4) Table 5 (page 4) Table 6 (page 5)

More information

Zipe Code Census Data Aggregation

Zipe Code Census Data Aggregation Zipe Code 66103 Census Data Aggregation 2011-2015 American Community Survey Data, U.S. Census Bureau Table 1 (page 2) Table 2 (page 2) Table 3 (page 3) Table 4 (page 4) Table 5 (page 4) Table 6 (page 5)

More information

Economic Overview New York

Economic Overview New York Report created on October 20, 2015 Economic Overview Created using: Contact: Lisa.Montiel@suny.edu DEMOGRAPHIC PROFILE...3 EMPLOYMENT TRENDS...5 UNEMPLOYMENT RATE...5 WAGE TRENDS...6 COST OF LIVING INDEX...6

More information

Economic Overview Loudoun County, Virginia. October 23, 2017

Economic Overview Loudoun County, Virginia. October 23, 2017 Economic Overview October 23, 2017 DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX... 6 INDUSTRY SNAPSHOT... 7 OCCUPATION SNAPSHOT... 9 INDUSTRY

More information

Economic Overview Capital District

Economic Overview Capital District August 29, 2017 Economic Overview Capital District Contact: Lisa.Montiel@suny.edu DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX... 6 INDUSTRY

More information

Economic Overview Long Island

Economic Overview Long Island Report created on October 20, 2015 Economic Overview Long Island Created using: Contact: Lisa.Montiel@suny.edu DEMOGRAPHIC PROFILE...3 EMPLOYMENT TRENDS...5 UNEMPLOYMENT RATE...5 WAGE TRENDS...6 COST OF

More information

Economic Overview Fairfax / Falls Church. October 23, 2017

Economic Overview Fairfax / Falls Church. October 23, 2017 Economic Overview Fairfax / Falls Church October 23, 2017 DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX... 6 INDUSTRY SNAPSHOT... 7 OCCUPATION

More information

Economic Overview York County, South Carolina. February 14, 2018

Economic Overview York County, South Carolina. February 14, 2018 Economic Overview York County, February 14, 2018 DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX... 6 INDUSTRY SNAPSHOT... 7 OCCUPATION SNAPSHOT...

More information

Economic Overview Long Island

Economic Overview Long Island Report created on August 29, 2017 Economic Overview Long Island Contact: Lisa.Montiel@suny.edu DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX...

More information

Economic Overview City of Tyler, TX. January 8, 2018

Economic Overview City of Tyler, TX. January 8, 2018 Economic Overview City of Tyler, TX January 8, 2018 DEMOGRAPHIC PROFILE...3 EMPLOYMENT TRENDS...5 WAGE TRENDS...5 COST OF LIVING INDEX...6 INDUSTRY SNAPSHOT...7 OCCUPATION SNAPSHOT...9 INDUSTRY CLUSTERS...

More information

Economic Overview Monterey County, California. July 22, 2016

Economic Overview Monterey County, California. July 22, 2016 Economic Overview Monterey July 22, 2016 DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX... 6 INDUSTRY SNAPSHOT... 7 OCCUPATION SNAPSHOT...

More information

DEMOGRAPHIC PROFILE...3 EMPLOYMENT TRENDS...5 UNEMPLOYMENT RATE...5 WAGE TRENDS...6 COST OF LIVING INDEX...6 INDUSTRY SNAPSHOT...7

DEMOGRAPHIC PROFILE...3 EMPLOYMENT TRENDS...5 UNEMPLOYMENT RATE...5 WAGE TRENDS...6 COST OF LIVING INDEX...6 INDUSTRY SNAPSHOT...7 March 14, 2017 DEMOGRAPHIC PROFILE...3 EMPLOYMENT TRENDS...5 UNEMPLOYMENT RATE...5 WAGE TRENDS...6 COST OF LIVING INDEX...6 INDUSTRY SNAPSHOT...7 OCCUPATION SNAPSHOT...9 INDUSTRY CLUSTERS... 12 EDUCATION

More information

June 9, Economic Overview Billings, MT MSA

June 9, Economic Overview Billings, MT MSA June 9, 2016 Economic Overview Billings, MT MSA DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX... 6 INDUSTRY SNAPSHOT... 7 OCCUPATION SNAPSHOT...

More information

A PHILANTHROPIC PARTNERSHIP FOR BLACK COMMUNITIES. Wealth and Asset Building BLACK FACTS

A PHILANTHROPIC PARTNERSHIP FOR BLACK COMMUNITIES. Wealth and Asset Building BLACK FACTS A PHILANTHROPIC PARTNERSHIP FOR BLACK COMMUNITIES Wealth and Asset Building BLACK FACTS Barriers to Wealth and Asset Creation: Homeownershiip DURING THE HOUSING CRISIS, BLACK HOMEOWNERS WERE TWICE AS LIKELY

More information

October 28, Economic Overview Yellowstone County, Montana

October 28, Economic Overview Yellowstone County, Montana October 28, 2016 Economic Overview Yellowstone DEMOGRAPHIC PROFILE...3 EMPLOYMENT TRENDS...5 UNEMPLOYMENT RATE...5 WAGE TRENDS...6 COST OF LIVING INDEX...6 INDUSTRY SNAPSHOT...7 OCCUPATION SNAPSHOT...9

More information

Economic Overview Western New York

Economic Overview Western New York Report created on August 29, 2017 Economic Overview Western New Contact: Lisa.Montiel@suny.edu DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX...

More information

Camden Industrial. Minneapolis neighborhood profile. About this area. Trends in the area. Neighborhood in Minneapolis.

Camden Industrial. Minneapolis neighborhood profile. About this area. Trends in the area. Neighborhood in Minneapolis. Minneapolis neighborhood profile October 2011 Camden Industrial About this area The Camden Industrial neighborhood is bordered by 48th Avenue North, the Mississippi River, Dowling Avenue North, Washington

More information

Economic Overview Prince William/Manassas. October 23, 2017

Economic Overview Prince William/Manassas. October 23, 2017 Economic Overview Prince William/Manassas October 23, 2017 DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX... 6 INDUSTRY SNAPSHOT... 7 OCCUPATION

More information

ECONOMIC OVERVIEW DuPage County, Illinois

ECONOMIC OVERVIEW DuPage County, Illinois ECONOMIC OVERVIEW DuPage County, Illinois DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX... 7 INDUSTRY SNAPSHOT... 8 OCCUPATION SNAPSHOT...

More information

Shingle Creek. Minneapolis neighborhood profile. About this area. Trends in the area. Neighborhood in Minneapolis. October 2011

Shingle Creek. Minneapolis neighborhood profile. About this area. Trends in the area. Neighborhood in Minneapolis. October 2011 neighborhood profile October 2011 About this area The neighborhood is bordered by 53rd Avenue North, Humboldt Avenue North, 49th Avenue North, and Xerxes Avenue North. It is home to Olson Middle School.

More information

Economic Overview. Lawrence, KS MSA

Economic Overview. Lawrence, KS MSA Economic Overview Lawrence, KS MSA March 5, 2019 DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX... 7 INDUSTRY SNAPSHOT... 8 OCCUPATION SNAPSHOT...

More information

Asset Policy 101: Building Wealth for All Californians

Asset Policy 101: Building Wealth for All Californians Asset Policy 101: Building Wealth for All Californians California Asset Policy Working Lunch Series Hosted by the Asset Policy Initiative of California & the New America Foundation California State Capitol

More information

Economic Overview Mohawk Valley

Economic Overview Mohawk Valley Report created on August 29, 2017 Economic Overview Mohawk Valley Contact: Lisa.Montiel@suny.edu DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 UNEMPLOYMENT RATE... 5 WAGE TRENDS... 6 COST OF LIVING INDEX...

More information

Town Profiles: Demographic, Economic, and Housing Statistics for De Smet City and Wall Town, SOuth Dakota

Town Profiles: Demographic, Economic, and Housing Statistics for De Smet City and Wall Town, SOuth Dakota South Dakota State University Open PRAIRIE: Open Public Research Access Institutional Repository and Information Exchange Census Data Center News Releases SDSU Census Data Center 12-7-2017 Town Profiles:

More information

University of Minnesota

University of Minnesota neighborhood profile October 2011 About this area The University neighborhood is bordered by 11th Avenue Southeast, University Avenue, 15th Avenue Southeast, the railroad tracks, Oak Street, and the Mississippi

More information

Mid - City Industrial

Mid - City Industrial Minneapolis neighborhood profile October 2011 Mid - City Industrial About this area The Mid-City Industrial neighborhood is bordered by I- 35W, Highway 280, East Hennepin Avenue, and Winter Street Northeast.

More information

The 2012 Assets & Opportunity Scorecard: How Nevada families fare and the strength of policies to expand financial security and opportunity

The 2012 Assets & Opportunity Scorecard: How Nevada families fare and the strength of policies to expand financial security and opportunity The 2012 Assets & Opportunity Scorecard: How Nevada families fare and the strength of policies to expand financial security and opportunity Sponsored by: Alliance for Nevada Nonprofits Webinar About CFED

More information

Economic Overview Marlboro County Labor Shed. June 29, 2016

Economic Overview Marlboro County Labor Shed. June 29, 2016 Economic Overview Marlboro County Labor June 29, 2016 DEMOGRAPHIC PROFILE...3 EMPLOYMENT TRENDS...5 UNEMPLOYMENT RATE...5 WAGE TRENDS...6 COST OF LIVING INDEX...6 INDUSTRY SNAPSHOT...7 OCCUPATION SNAPSHOT...9

More information

Credit Research Center Seminar

Credit Research Center Seminar Credit Research Center Seminar Ensuring Fair Lending: What Do We Know about Pricing in Mortgage Markets and What Will the New HMDA Data Fields Tell US? www.msb.edu/prog/crc March 14, 2005 Introduction

More information

Congressional District Report For the 115th Congress

Congressional District Report For the 115th Congress Congressional District Report For the 115th Congress Washington District 5 Honorable Cathy McMorris Rodgers (R) February 2017 Report National Association of REALTORS Congressional District Report For the

More information

Bringing. Washington Affordable Housing Report

Bringing. Washington Affordable Housing Report Bringing Washington Home 21 Affordable Housing Report Bringing Washington Home: Affordable Housing Report 21 Introduction to the Data In this year s Affordable Housing Report, we see a picture of the economic

More information

HOMEBUYER WORKSHOP REGISTRATION FORM

HOMEBUYER WORKSHOP REGISTRATION FORM HOMEBUYER WORKSHOP REGISTRATION FORM Organization: Workshop location: Workshop Date(s): Instructions: Please fill out as completely as possible. Home Buyer Name: (Please print) First MI Last Address: Zip:

More information

Economic Overview 45-Minute Commute From Airport Park. June 6, 2017

Economic Overview 45-Minute Commute From Airport Park. June 6, 2017 Economic Overview 45-Minute Commute From Airport Park June 6, 2017 DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 WAGE TRENDS... 5 COST OF LIVING INDEX... 6 INDUSTRY SNAPSHOT... 7 OCCUPATION SNAPSHOT...

More information

2018:IIIQ Nevada Unemployment Rate Demographics Report*

2018:IIIQ Nevada Unemployment Rate Demographics Report* 2018:IIIQ Nevada Unemployment Rate Demographics Report* Department of Employment, Training & Rehabilitation Research and Analysis Bureau Dr. Tiffany Tyler-Garner, Director Dennis Perea, Deputy Director

More information

Economic Overview Plant City Region. April 5, 2017

Economic Overview Plant City Region. April 5, 2017 Economic Overview Plant City Region April 5, 2017 DEMOGRAPHIC PROFILE... 3 EMPLOYMENT TRENDS... 5 WAGE TRENDS... 5 COST OF LIVING INDEX... 6 INDUSTRY SNAPSHOT... 7 OCCUPATION SNAPSHOT... 9 INDUSTRY CLUSTERS...

More information

FAMILY ASSETS FOR INDEPENDENCE IN MINNESOTA (FAIM) FAIM New Participant Application Form AGENCY USE ONLY : Agency Name:

FAMILY ASSETS FOR INDEPENDENCE IN MINNESOTA (FAIM) FAIM New Participant Application Form AGENCY USE ONLY : Agency Name: FAMILY ASSETS FOR INDEPENDENCE IN MINNESOTA (FAIM) AGENCY USE ONLY : FAIM New Participant Application Form Revised 05/23/14 Agency Name: Bank Account Number of 1 st Deposit Asset Grant First Name MI Last

More information

Independence, MO Data Profile 2015

Independence, MO Data Profile 2015 , MO Data Profile 2015 5 year American Community Survey (ACS) Jackson County, Missouri Data sources: U.S. Census Bureau, American Community Survey (ACS), 2011 2015 (released December 8, 2016), compared

More information

Program Assessment Report 2017

Program Assessment Report 2017 This document is made available electronically by the Minnesota Legislative Reference Library as part of an ongoing digital archiving project. http://www.leg.state.mn.us/lrl/lrl.asp Evaluating Affordable

More information

Financial Empowerment. 500 Families Financially Fit for the Future City of Virginia Beach Community for a Lifetime

Financial Empowerment. 500 Families Financially Fit for the Future City of Virginia Beach Community for a Lifetime Financial Empowerment 500 Families Financially Fit for the Future City of Virginia Beach Community for a Lifetime The City of Virginia Beach joined the Mayors Action Challenge for Children and Families

More information

What is Asset Building?

What is Asset Building? What is Asset Building? April 25, 2013, 3:30 pm EDT and April 29, 2013, 3:30 pm EDT Asset Building Policy Network (ABPN) Housekeeping All participants are muted for recording purposes; presentation will

More information

Subprime Lending in Washington State

Subprime Lending in Washington State sound research. Bold Solutions.. Policy BrieF. March 9, 2009 The High Cost of Subprime Lending in Washington State By Jeff Chapman Executive Summary In Washington State in 2006, African- American and Hispanic

More information

Trend Analysis of Changes to Population and Income in Philadelphia, using American Community Survey (ACS) Data

Trend Analysis of Changes to Population and Income in Philadelphia, using American Community Survey (ACS) Data OFFICE OF THE PRESIDENT FINANCE AND BUDGET TEAM City Council of Philadelphia 9.22.17 Trend Analysis of Changes to Population and Income in Philadelphia, using 2010-2016 American Community Survey (ACS)

More information

FUTURE LANDSCAPES. The effects of changing demographics. Background. Future landscapes: The effects of changing demographics February, 2007

FUTURE LANDSCAPES. The effects of changing demographics. Background. Future landscapes: The effects of changing demographics February, 2007 FUTURE LANDSCAPES The effects of changing demographics Background DRCOG Board Retreat 1 Our region is changing Demographic facts: Rapid growth of the older population Increasing immigration Flexible, creative

More information

Application Instructions

Application Instructions Shared Equity Program Homeownership Application www.tphtrust.org Application Instructions This application is required in order to purchase a home through Twin Pines Housing Trust (TPHT). Thank you for

More information

Federal Budget Overview

Federal Budget Overview Federal Budget Overview FY 2018 spending bill passed in March; FY 2019 spending bills are still being considered by Congress FY 2018 includes: Increased funding for defense as well as domestic discretionary

More information

Home Improvement Loan Application

Home Improvement Loan Application Home Improvement Loan Application Submit your application and required documents by email, mail, or hand deliver. Email to: eotero@cityofboise.org Mail to: Boise City HCD Hand deliver: 150 N Capitol Blvd

More information

POVERTY ALLEVIATION WEBINAR: CREATIVE IDEAS IN ASSET DEVELOPMENT AND WEALTH CREATION. Andrea Levere, President, CFED

POVERTY ALLEVIATION WEBINAR: CREATIVE IDEAS IN ASSET DEVELOPMENT AND WEALTH CREATION. Andrea Levere, President, CFED POVERTY ALLEVIATION WEBINAR: CREATIVE IDEAS IN ASSET DEVELOPMENT AND WEALTH CREATION Andrea Levere, President, CFED About CFED CFED (Corporation for Enterprise Development) has worked for over 30 years

More information

Congressional District Report For the 115th Congress

Congressional District Report For the 115th Congress Congressional District Report For the 115th Congress Arizona District 6 Honorable David Schweikert (R) May 2017 Report National Association of REALTORS Congressional District Report For the 115th Congress

More information

Housing Counseling Work Plan (January 2017)

Housing Counseling Work Plan (January 2017) Agency Background: Housing Counseling Work Plan (January 2017) Parkview Services (PARKVIEW) was established in 1967, as Parkview Homes for Exceptional Children to serve families with children with developmental

More information

MEMORANDUM. Gloria Macdonald, Jennifer Benedict Nevada Division of Health Care Financing and Policy (DHCFP)

MEMORANDUM. Gloria Macdonald, Jennifer Benedict Nevada Division of Health Care Financing and Policy (DHCFP) MEMORANDUM To: From: Re: Gloria Macdonald, Jennifer Benedict Nevada Division of Health Care Financing and Policy (DHCFP) Bob Carey, Public Consulting Group (PCG) An Overview of the in the State of Nevada

More information

Who is Lending and Who is Getting Loans?

Who is Lending and Who is Getting Loans? Trends in 1-4 Family Lending in New York City An ANHD White Paper February 2016 As much as New York City is a city of renters, nearly a third of New Yorkers own their own homes. Responsible, affordable

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 602894 Central Cities (CC) 227,818 Outside Central Cities 375,076 Percent of Entire MSA 37.79% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1187941 Central Cities (CC) 511,843 Outside Central Cities 676,098 Percent of Entire MSA 43.09% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 661645 Central Cities (CC) 247,057 Outside Central Cities 414,588 Percent of Entire MSA 37.34% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 583845 Central Cities (CC) 316,649 Outside Central Cities 267,196 Percent of Entire MSA 54.24% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1251509 Central Cities (CC) 540,423 Outside Central Cities 711,086 Percent of Entire MSA 43.18% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1135614 Central Cities (CC) 677,766 Outside Central Cities 457,848 Percent of Entire MSA 59.68% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 591932 Central Cities (CC) 260,970 Outside Central Cities 330,962 Percent of Entire MSA 44.09% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1100491 Central Cities (CC) 735,617 Outside Central Cities 364,874 Percent of Entire MSA 66.84% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 540258 Central Cities (CC) 198,915 Outside Central Cities 341,343 Percent of Entire MSA 36.82% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1249763 Central Cities (CC) 691,295 Outside Central Cities 558,468 Percent of Entire MSA 55.31% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1088514 Central Cities (CC) 272,953 Outside Central Cities 815,561 Percent of Entire MSA 25.08% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 922516 Central Cities (CC) 470,859 Outside Central Cities 451,657 Percent of Entire MSA 51.04% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 687249 Central Cities (CC) 198,500 Outside Central Cities 488,749 Percent of Entire MSA 28.88% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 542149 Central Cities (CC) 181870 Outside Central Cities 360279 Percent of Entire MSA 33.55% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1025598 Central Cities (CC) 293,834 Outside Central Cities 731,764 Percent of Entire MSA 28.65% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 875583 Central Cities (CC) 232,835 Outside Central Cities 642,748 Percent of Entire MSA 26.59% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 716998 Central Cities (CC) 448,275 Outside Central Cities 268,723 Percent of Entire MSA 62.52% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1333914 Central Cities (CC) 284,943 Outside Central Cities 1,048,971 Percent of Entire MSA 21.36% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 712738 Central Cities (CC) 448,607 Outside Central Cities 264,131 Percent of Entire MSA 62.94% Population in CC Percent Change in Population from 1999

More information

A Look at Tennessee Mortgage Activity: A one-state analysis of the Home Mortgage Disclosure Act (HMDA) Data

A Look at Tennessee Mortgage Activity: A one-state analysis of the Home Mortgage Disclosure Act (HMDA) Data September, 2015 A Look at Tennessee Mortgage Activity: A one-state analysis of the Home Mortgage Disclosure Act (HMDA) Data 2004-2013 Hulya Arik, Ph.D. Tennessee Housing Development Agency TABLE OF CONTENTS

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean. Population Entire MSA

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean. Population Entire MSA Family: Population Demographics Population Entire MSA 1169641 Central Cities (CC) 0 Outside Central Cities 1,169,641 Percent of Entire MSA 0% Population in CC Percent Change in Population from 1999 to

More information

Asset Building: Not just getting by Getting Ahead

Asset Building: Not just getting by Getting Ahead Asset Building: Not just getting by Getting Ahead Travelers Aid International Annual Conference June 15, 2018 Earlisha Blackmon, Contract Outcomes Analyst Theresa Gibbons, Director of Asset Building Think

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 3251876 Central Cities (CC) 2,078,750 Outside Central Cities 1,173,126 Percent of Entire MSA 63.92% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1592383 Central Cities (CC) 1,181,140 Outside Central Cities 411,243 Percent of Entire MSA 74.17% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1776062 Central Cities (CC) 716,793 Outside Central Cities 1,059,269 Percent of Entire MSA 40.36% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 4112198 Central Cities (CC) 416,474 Outside Central Cities 3,695,724 Percent of Entire MSA 10.13% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 9519338 Central Cities (CC) 4408996 Outside Central Cities 5110342 Percent of Entire MSA 46.32% Population in CC Percent Change in Population from

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1623018 Central Cities (CC) 152397 Outside Central Cities 1470621 Percent of Entire MSA 9.39% Population in CC Percent Change in Population from 1999

More information

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean

SDs from Regional Peer Group Mean. SDs from Size Peer Group Mean Family: Population Demographics Population Entire MSA 1731183 Central Cities (CC) 776733 Outside Central Cities 954450 Percent of Entire MSA 44.87% Population in CC Percent Change in Population from 1999

More information