Housing

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Source: U.S. Census Bureau

What does this measure?

The number of owner-occupied units (not rented) as a percent of all occupied units (not vacant), for various racial and ethnic groups.

Why is this important?

Historically, members of some racial and ethnic groups have suffered discrimination in buying homes and accessing home mortgages. A home is a vital financial asset for a family and an investment in both the local neighborhood and surrounding community.

How is our region performing?

In 2016-20, there were significant racial and ethnic disparities in homeownership rates in the region. The rate was highest among white residents, at 73%, followed by Asian residents at 55%, Hispanic residents at 37%, and African American residents at 32%.

At the state level, the ownership rate was similar for African American residents, but lower for all other groups: 6 percentage points lower among Asian residents; 10 points for Hispanic residents; and 9 points for white residents. At the national level, the homeownership rate was slightly lower for white residents (3 percentage points), but higher for all other groups: 10 points for African American residents, 12 points for Hispanic residents, and 5 points for Asian residents.

Since 2000, the share of Hispanic homeowners in the region increased 4 percentage points and the share for Asian homeowners increased 5 points. The rate for African American homeowners declined 3 points. There was no change for white homeowners.

Most of the counties in the region did not have large enough populations of residents in each racial or ethnic group for reliable estimates, except Monroe, which had rates of homeownership very similar to the region as a whole. In the City of Rochester, homeownership rates were substantially lower for each group, and disparities remained. White residents had the highest rate of homeownership, at 44%, followed by Asian residents at 20%, Hispanic residents at 26%, and African American residents at 29%.

Why do these disparities exist?

Disparities in homeownership are connected to racial inequities within systems beyond housing, including financial services, labor market and intergenerational wealth. Historic practices including redlining, exclusionary mortgage practices and restrictive covenants barring property from being owned by members of specific groups directly locked people out of homeownership. These had intergenerational effects when people of color were unable to benefit from wealth transfers of home equity as white homebuyers can. Since Black and Latino households generally have lower wages and wealth accumulation, they have less resources for down payments and higher debt to income ratios. With lower credit scores than other racial/ethnic groups, communities of color may be less likely to qualify for mortgages as underwriting standards increase. Many in the Black and Latino community may lack information about the home buying process and choose to stay renters. Discrimination during the home buying process also influences whether people of color buy a house. Researchers have found that during the search process, people of color were shown fewer houses and provided less information than whites.

Notes about the data

The multi-year figures are from the Census Bureau's American Community Survey. The bureau combined five years of responses to the survey to provide estimates for smaller geographic areas and increase the precision of its estimates. However, because the information came from a survey, the samples responding to the survey were not always large enough to produce reliable results, especially in small geographic areas. CGR has noted on data tables the estimates with relatively large margins of error. Estimates with three asterisks have the largest margins, plus or minus 50% or more of the estimate. Two asterisks mean plus or minus 35%-50%, and one asterisk means plus or minus 20%-35%. For all estimates, the confidence level is 90%, meaning there is 90% probability the true value (if the whole population were surveyed) would be within the margin of error (or confidence interval). The survey provides data on characteristics of the population that used to be collected only during the decennial census. Data for this indicator are expected to be released in the fourth quarter.

Homeownership Rate, by Race/Ethnicity, 2016-20
AsianBlack or African AmericanLatino or HispanicWhite
NYS49%32%27%64%
NYS (excluding NYC)67%42%50%75%
Region55%32%37%73%
Monroe54%32%35%71%
Surrounding Counties59%*36%46%77%
Genesee78%**31%**32%**74%
Livingston28%***42%***58%*78%
Ontario75%**18%**40%*75%
Orleans28%***58%*48%***77%
Seneca55%**30%***29%***74%
Wayne71%*41%*60%80%
Wyoming79%***28%***49%**77%
Yates39%***88%***46%***77%
Monroe County Local Areas
Rochester20%*29%26%44%
Churchville (V)71%***0%***17%***81%
Spencerport (V)0%***N/A***N/A***71%
Honeoye Falls (V)100%***N/A***N/A***55%
Greece93%*34%*34%*74%
Perinton75%**47%***79%***80%
Henrietta63%*53%*62%***74%
Riga71%***0%***47%***89%
Chili92%***46%*84%***83%
Mendon100%***100%***100%***80%
Sweden100%***24%***26%***62%
East Rochester100%***74%***76%***64%
Parma35%***0%***87%***85%
Wheatland100%***56%***0%***68%
Scottsville (V)100%***47%***0%***80%*
Fairport (V)N/A***N/A***100%***68%
Webster (V)0%***19%***0%***43%
Hilton (V)N/A***0%***77%***69%
Pittsford (V)0%***N/A***47%***68%*
HamlinN/A***100%***100%***89%
Pittsford87%*69%***71%**86%
Brighton38%*26%***34%***58%
Irondequoit69%**44%*42%*84%
Rush100%***100%***100%***94%
Brockport (V)100%***0%***2%***52%
Clarkson100%***0%***29%***69%
Ogden25%***51%***29%***78%
Webster41%**40%***50%**74%
Gates70%**51%*57%**78%
Penfield82%**57%***68%**84%
Regional Cities
Batavia60%***19%***23%***52%
Canandaigua29%***0%***20%***50%
Geneva35%***17%***17%***52%

Source: U.S. Census Bureau
Notes: Multiyear results are from rolling American Community Survey. * Margin of error between 20% & 35% of estimate; ** margin of error between 35% & 50%; *** margin of error greater than 50%. The Census Bureau asks people to identify their race (white, African-American, etc.) separate from their ethnicity (Hispanic or non-Hispanic). So the totals for these categories cannot be added together, as people show up in both a racial and ethnic group.




Number of Homeowners by Race/Ethnicity, 2016-20
AsianBlack or African AmericanLatino or HispanicWhite
NYS265,583347,456309,4553,191,602
NYS (excluding NYC)91,714144,891171,1972,616,040
Region5,28815,0239,473305,106
Monroe4,51013,6877,350169,707
Surrounding Counties778*1,3362,123135,399
Genesee99**185**143**16,839
Livingston85***126***277*18,076
Ontario280**190**565*32,220
Orleans22***388*242***11,883
Seneca71**55***87***9,792
Wayne178*304*59727,902
Wyoming34***24***142**12,033
Yates9***64***70***6,654
Monroe County Local Areas
Rochester419*9,0213,43620,028
Churchville (V)5***0***5***713
Spencerport (V)0***0***0***1,031
Honeoye Falls (V)9***0***0***653
Greece480*1,031*741*26,164
Perinton409**117***341***14,845
Henrietta864*701*357***9,070
Riga5***0***21***1,864
Chili143***352*229***8,370
Mendon13***27***58***2,742
Sweden50***43***61***2,640
East Rochester8***43***63***1,810
Parma8***0***145***4,832
Wheatland7***43***0***1,239
Scottsville (V)7***17***0***713*
Fairport (V)0***0***37***1,779
Webster (V)0***22***0***1,148
Hilton (V)0***0***23***1,399
Pittsford (V)0***0***7***465*
Hamlin0***74***12***3,103
Pittsford670*119***114**7,840
Brighton497*185***126***7,472
Irondequoit193**815*638*15,932
Rush16***8***16***1,267
Brockport (V)32***0***2***1,107
Clarkson21***0***98***1,872
Ogden6***71***33***5,873
Webster193**150***287**13,238
Gates146**715*303**7,801
Penfield362**172***271**11,705
Regional Cities
Batavia34***88***43***2,979
Canandaigua6***0***34***2,307
Geneva15***69***97***2,116

Source: U.S. Census Bureau
Notes: Multiyear results are from rolling American Community Survey. * Margin of error between 20% & 35% of estimate; ** margin of error between 35% & 50%; *** margin of error greater than 50%. The Census Bureau asks people to identify their race (white, African-American, etc.) separate from their ethnicity (Hispanic or non-Hispanic). So the totals for these categories cannot be added together, as people show up in both a racial and ethnic group.




Homeownership Rate, by Race/Ethnicity, 2000
AsianBlack or African AmericanLatino or HispanicWhite
NYS40%29%20%62%
NYS (excluding NYC)57%41%41%74%
Region50%35%33%73%
Monroe49%35%32%71%
Surrounding Counties59%36%40%76%
Genesee58%28%27%74%
Livingston72%55%47%75%
Ontario53%30%24%75%
Orleans61%34%50%77%
Seneca35%54%66%74%
Wayne89%35%48%79%
Wyoming37%42%30%77%
Yates100%60%60%77%
Monroe County Local Areas
Rochester35%32%25%48%
Chili88%57%75%81%
Sweden35%29%0%59%
Greece59%42%50%76%
Mendon42%76%0%84%
Perinton65%68%57%81%
Clarkson100%62%54%82%
Webster44%41%56%79%
Hilton (V)100%40%81%73%
Hamlin0%100%88%85%
Scottsville (V)0%80%19%77%
Ogden57%63%34%80%
Pittsford80%85%83%87%
Riga42%50%53%91%
Churchville (V)83%100%100%89%
East Rochester100%58%89%64%
Wheatland0%48%19%72%
Honeoye Falls (V)0%0%0%64%
Henrietta43%71%58%74%
Spencerport (V)0%N/A100%73%
Parma100%67%68%84%
Brighton30%30%24%61%
Rush100%55%43%90%
Fairport (V)100%53%100%70%
Gates79%69%74%78%
Pittsford (V)60%0%100%72%
Irondequoit76%40%44%81%
Brockport (V)0%16%0%48%
Webster (V)0%11%27%49%
Penfield80%85%60%83%
Regional Cities
Batavia47%16%47%57%
Canandaigua24%0%8%52%
Geneva33%25%17%59%

Source: U.S. Census Bureau
Notes: Multiyear results are from rolling American Community Survey. * Margin of error between 20% & 35% of estimate; ** margin of error between 35% & 50%; *** margin of error greater than 50%. The Census Bureau asks people to identify their race (white, African-American, etc.) separate from their ethnicity (Hispanic or non-Hispanic). So the totals for these categories cannot be added together, as people show up in both a racial and ethnic group.




Number of Homeowners by Race/Ethnicity, 2000
AsianBlack or African AmericanLatino or HispanicWhite
NYS126,291300,309161,9423,189,165
NYS (excluding NYC)41,173114,74870,4632,617,210
Region2,87313,2824,458293,066
Monroe2,51112,3313,796167,975
Surrounding Counties362951662125,091
Genesee47773516,233
Livingston841147116,204
Ontario11519212427,721
Orleans1717011811,200
Seneca2652389,153
Wayne5430120526,387
Wyoming10152111,377
Yates930506,816
Monroe County Local Areas
Rochester4999,3262,21023,751
Chili97268757,635
Sweden96002,529
Greece18545135226,677
Mendon81602,532
Perinton2591819313,619
Clarkson623361,609
Webster878111511,125
Hilton (V)146261,458
Hamlin029572,701
Scottsville (V)0124610
Ogden1376135,103
Pittsford279117717,744
Riga5881,732
Churchville (V)522626
East Rochester511581,737
Wheatland04241,354
Honeoye Falls (V)000698
Henrietta1935651428,293
Spencerport (V)0081,003
Parma1438324,321
Brighton313137728,577
Rush16661,106
Fairport (V)16971,597
Gates1934151348,404
Pittsford (V)301446
Irondequoit12628225116,999
Brockport (V)02001,065
Webster (V)0913998
Penfield2041996710,427
Regional Cities
Batavia3027263,461
Canandaigua11042,381
Geneva14116532,549

Source: U.S. Census Bureau
Notes: Multiyear results are from rolling American Community Survey. * Margin of error between 20% & 35% of estimate; ** margin of error between 35% & 50%; *** margin of error greater than 50%. The Census Bureau asks people to identify their race (white, African-American, etc.) separate from their ethnicity (Hispanic or non-Hispanic). So the totals for these categories cannot be added together, as people show up in both a racial and ethnic group.







Worse than NYS by 10% or more
Up to 10% worse than NYS
Equal to or better than NYS


INDICATORS - Grouped by Topic REGIONAL VALUE YEAR NYS COMPARISON TREND | REGION
*No or multiple regional values for this indicator


Worse than NYS by 10% or more
Up to 10% worse than NYS
Equal to or better than NYS





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