Financial Security
Homeownership Rate, by Race/Ethnicity

Decreasing


Homeownership Rate, by Race/Ethnicity, 2016-20

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 does our county compare?

In 2016-20, homeownership rates in Lancaster County were highest among white residents, at 72%, followed by Asian residents at 59%, Hispanic residents at 40%, and African American residents at 32%. The racial/ethnic disparity follows a similar pattern to state and national rates, but is more pronounced in Lancaster, with ownership by African Americans and Hispanics about 10 points below national levels.

Since 2000, rates of homeownership have declined somewhat, with rates for whites declining by 1%, Asians by 4% and African Americans by 6%. Rates for Hispanics have increased by 7%.

In the City of Lancaster, homeownership levels are below county and state levels, with 43% of Asians, 27% of African Americans, 37% of Hispanics and 53% of whites owning homes.

Berks and Chester counties have higher homeownership rates across all race/ethnicities than Lancaster, while Cumberland, Dauphin, Lebanon and York present more mixed pictures, with rates both above and below Lancaster's, depending on the group.

Why do these disparities exist?

A variety of research has shown how 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 multiyear 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 released annually in December.

Homeownership Rate, by Race/Ethnicity, 2016-20
AsianBlack or African AmericanHispanicWhite
Pennsylvania58%43%42%74%
Lancaster County59%32%40%72%
Lancaster City43%*27%*37%53%
Lancaster County Boroughs
Adamstown borough55%***0%***0%***85%
Akron boroughN/A***N/A***17%***56%
Christiana boroughN/A***14%***N/A***62%
Columbia borough61%***39%***18%***57%
Denver township100%***N/A***100%***74%
East Petersburg borough100%***0%***75%***82%
Elizabethtown borough0%***0%***5%***54%
Ephrata borough0%***38%***20%***57%
Lititz borough100%***100%***55%***72%
Manheim boroughN/A***N/A***100%***68%
Marietta boroughN/A***26%***64%***65%
Millersville borough12%***0%***64%***56%*
Mount Joy boroughN/A***35%***0%***68%
Mountville borough100%***100%***N/A***78%*
New Holland borough0%***0%***92%***73%
Quarryville borough71%***35%***25%***60%*
Strasburg boroughN/A***N/A***5%***73%
Terre Hill boroughN/A***N/A***N/A***62%*
Lancaster County Townships
Bart townshipN/A***N/A***100%***68%
Brecknock townshipN/A***N/A***N/A***78%
Caernarvon township100%***N/A***100%***77%
Clay townshipN/A***N/A***100%***77%
Colerain townshipN/A***100%***N/A***76%
Conestoga township100%***N/A***48%***89%
Conoy townshipN/A***N/A***56%***94%
Drumore townshipN/A***N/A***N/A***71%
Earl township0%***0%***39%***62%
East Cocalico township100%***0%***38%***84%
East Donegal townshipN/A***100%***100%***80%
East Drumore township100%***45%***0%***73%
East Earl townshipN/A***N/A***N/A***83%
East Hempfield township33%***15%***33%***76%
East Lampeter township47%***25%**28%***63%
Eden townshipN/A***N/A***100%***86%
Elizabeth township26%***N/A***100%***92%
Ephrata township50%***0%***24%***71%
Fulton townshipN/A***100%***0%***77%*
Lancaster township67%***62%**47%*71%
Leacock townshipN/A***0%***81%***67%
Little Britain townshipN/A***100%***N/A***88%
Manheim township83%*48%***47%*74%
Manor township100%***28%***55%***77%
Martic townshipN/A***N/A***24%***88%
Mount Joy townshipN/A***100%***100%***72%
Paradise townshipN/A***0%***27%***74%
Penn township100%***N/A***100%***82%
Pequea township100%***100%***37%***70%
Providence township100%***N/A***52%***80%
Rapho township100%***0%***100%***83%
Sadsbury townshipN/A***0%***N/A***81%
Salisbury township100%***100%***100%***77%
Strasburg townshipN/A***N/A***N/A***83%*
Upper Leacock township45%***0%***12%***66%
Warwick township18%***78%***49%***79%
West Cocalico townshipN/A***100%***52%***89%
West Donegal townshipN/A***100%***100%***66%
West Earl township100%***39%***79%***81%
West Hempfield township100%***28%***47%***86%
West Lampeter township37%***100%***67%***71%
Berks County68%43%42%76%
Chester County66%44%47%78%
Cumberland County54%16%**32%*73%
Dauphin County61%35%29%*71%
Lebanon County79%*28%**37%74%
York County62%42%39%78%

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 AmericanHispanicWhite
Pennsylvania84,565223,455118,9283,114,125
Lancaster County2,2452,2816,813132,929
Lancaster City357*864*2,7647,625
Lancaster County Boroughs
Adamstown borough12***0***0***562
Akron borough0***0***17***932
Christiana borough0***1***0***197
Columbia borough14***146***109***2,152
Denver township43***0***59***1,098
East Petersburg borough21***0***115***1,355
Elizabethtown borough0***0***6***2,349
Ephrata borough0***36***103***3,080
Lititz borough11***62***76***2,595
Manheim borough0***0***23***1,249
Marietta borough0***12***14***592
Millersville borough11***0***143***1,459*
Mount Joy borough0***59***0***2,171
Mountville borough5***22***0***915*
New Holland borough0***0***82***1,358
Quarryville borough17***8***13***515*
Strasburg borough0***0***5***836
Terre Hill borough0***0***0***262*
Lancaster County Townships
Bart township0***0***3***628
Brecknock township0***0***0***2,013
Caernarvon township22***0***12***1,084
Clay township0***0***21***1,903
Colerain township0***6***0***837
Conestoga township35***0***12***1,426
Conoy township0***0***37***1,226
Drumore township0***0***0***572
Earl township0***0***21***1,566
East Cocalico township29***0***59***3,084
East Donegal township0***25***15***2,369
East Drumore township20***9***0***947
East Earl township0***0***0***1,969
East Hempfield township125***39***249***7,258
East Lampeter township127***140**194***3,262
Eden township0***0***5***533
Elizabeth township12***0***14***1,323
Ephrata township27***0***38***2,657
Fulton township0***8***0***612*
Lancaster township224***335**707*3,760
Leacock township0***0***44***1,027
Little Britain township0***12***0***1,442
Manheim township547*167***646*10,734
Manor township150***79***231***5,752
Martic township0***0***14***1,586
Mount Joy township0***9***112***2,869
Paradise township0***0***24***1,265
Penn township83***0***123***3,092
Pequea township15***2***56***1,356
Providence township36***0***22***2,009
Rapho township18***0***66***4,069
Sadsbury township0***0***0***740
Salisbury township9***41***48***2,417
Strasburg township0***0***0***1,093*
Upper Leacock township60***0***24***1,740
Warwick township17***61***84***5,579
West Cocalico township0***29***29***2,184
West Donegal township0***19***17***2,312
West Earl township60***16***67***2,069
West Hempfield township111***41***199***4,934
West Lampeter township27***33***91***4,360
Berks County1,3122,85710,620100,420
Chester County6,2174,3784,716130,963
Cumberland County2,112457**898*67,047
Dauphin County2,3326,9372,454*60,087
Lebanon County407*330**2,01035,819
York County1,3363,8033,694122,691

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.




INDICATORS TREND
Prekindergarten Participation Increasing
Student Performance on Grade 3 English Not Applicable
Student Performance on Grade 3 Math Not Applicable
Student Performance on Grade 8 English Not Applicable
Student Performance on Grade 8 Math Not Applicable
Student Performance in Grade 11 English Not Applicable
Student Performance in Grade 11 Math Decreasing
Per-Student Spending Maintaining
Students Receiving Special Education Services Increasing
Rate of Foster Care Admissions Decreasing
Single-Parent Families by Race/Ethnicity Not Applicable
Disengaged Youth Maintaining
Plans of High School Graduates Not Applicable
Enrollment in Local Colleges Decreasing
College Graduation Rates Decreasing
Brain Drain/Gain Increasing
Education Levels of Adults by Race/Ethnicity Not Applicable
Average Charitable Giving Maintaining
Voter Registration Rate Not Applicable
Voter Participation Rate Increasing
Age of Housing Stock Not Applicable
Violent Crime Rate Maintaining
Incarceration Rate Decreasing
Incarceration Rate by Race/Ethnicity Not Applicable
Population Density Increasing
Air Quality Increasing
Water Use Decreasing
Waterways Impaired by Pollution Not Applicable
Population by Age Not Applicable
Change in Population by Age and Gender Not Applicable
Population by Race/Ethnicity Not Applicable
People with Disabilities Maintaining
Foreign-Born Population Increasing
Language Diversity Increasing
Change in Employment by Sector Not Applicable
Sector Share of Total Jobs Not Applicable
Workers by Occupation Not Applicable
Change in Labor Force Decreasing
People Entering/Leaving County/Region for Work Not Applicable
Average Salary by Sector Not Applicable
Change in Average Salary Since 2000 Increasing
Female to Male Earnings Ratio Maintaining
Employer Size Not Applicable
Change in Number of Businesses by Sector Increasing
Change in Total Agricultural Sales Increasing
Spending for Local Government Maintaining
Spending for School Districts Maintaining
Children Living in Poverty Increasing
Children in Poverty by Race/Ethnicity Not Applicable
People Living in Poverty Increasing
People Living in Poverty, by Race/Ethnicity Not Applicable
Veterans Living in Poverty Decreasing
Working Poor Maintaining
Median Household Income by Household Type Not Applicable
Median Household Income, by Race/Ethnicity Not Applicable
Living Wage Not Applicable
Unemployment Rate by Race/Ethnicity Not Applicable
Households Receiving SNAP by Race/Ethnicity Not Applicable
Household Receiving Temporary Assistance Increasing
Students Eligible for Free/Reduced Price Lunch Increasing
Median Home Value Maintaining
Occupied Housing Units Maintaining
Homeownership Rate, by Race/Ethnicity Not Applicable
Cost of Homeownership by Race/Ethnicity Not Applicable
Median Rent Maintaining
Cost of Renting Increasing
Households Without Vehicles Decreasing
Means of Transportation to Work, by Race/Ethnicity Not Applicable
People Without Health Insurance Decreasing
Early Prenatal Care by Mother's Race/Ethnicity Not Applicable
Health Status Decreasing
Prevalence of Mental Illness Maintaining
Adults Who are Overweight or Obese Not Applicable
Mortality Rates Decreasing
Fatal Drug Overdoses Increasing
Cancer Incidence Decreasing
Households With Internet Access Not Applicable
High-Tech Jobs Increasing
STEM Graduates Increasing
Science and Engineering Research and Development Maintaining
Single-Parent Families by Race/Ethnicity Not Applicable
Education Levels of Adults by Race/Ethnicity Not Applicable
Incarceration Rate by Race/Ethnicity Not Applicable
Population by Race/Ethnicity Not Applicable
Children in Poverty by Race/Ethnicity Not Applicable
People Living in Poverty, by Race/Ethnicity Not Applicable
Median Household Income, by Race/Ethnicity Not Applicable
Unemployment Rate by Race/Ethnicity Not Applicable
Households Receiving SNAP by Race/Ethnicity Not Applicable
Homeownership Rate, by Race/Ethnicity Not Applicable
Cost of Homeownership by Race/Ethnicity Not Applicable
Early Prenatal Care by Mother's Race/Ethnicity Not Applicable


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