Financial Security
Homeownership Rate, by Race/Ethnicity

Decreasing


Homeownership Rate, by Race/Ethnicity, 2014-18

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 2014-18, homeownership rates in Lancaster County were highest among white residents, at 71%, followed by Asian residents at 62%, Hispanic residents at 37%, and African American residents at 33%. 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 2%, Asians by 1% and African Americans by 5%. Rates for Hispanics have increased by 4%.

In the City of Lancaster, homeownership levels are below county and state levels, with 40% of Asians, 30% of African Americans, 33% of Hispanics and 52% 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, 2014-18
AsianBlack or African AmericanHispanicWhite
Pennsylvania58%43%41%73%
Lancaster County62%33%37%71%
Lancaster City40%*30%33%52%
Lancaster County Boroughs
Adamstown borough75%***0%***0%***75%
Akron boroughN/A***N/A***6%***54%
Columbia borough81%***27%***15%***59%
Denver township100%***100%***100%***73%
East Petersburg borough100%***0%***75%**81%
Elizabethtown borough31%***0%***18%***55%
Ephrata borough54%***47%***55%*59%
Lititz borough100%***100%***59%***67%
Manheim boroughN/A***100%***0%***59%
Marietta boroughN/A***32%***33%***67%
Millersville borough37%***0%***53%***58%
Mount Joy boroughN/A***32%***36%***62%
Mountville borough100%***100%***0%***61%*
New Holland borough0%***0%***100%***67%
Quarryville borough0%***24%***31%***59%
Strasburg borough100%***N/A***8%***69%
Terre Hill boroughN/A***N/A***0%***78%
Lancaster County Townships
Bart townshipN/A***100%***100%***69%
Brecknock township100%***N/A***100%***84%
Caernarvon townshipN/A***N/A***100%***76%
Clay township100%***100%***100%***83%
Colerain townshipN/A***100%***N/A***78%
Conestoga townshipN/A***N/A***33%***87%
Conoy townshipN/A***N/A***45%***87%
Drumore townshipN/A***N/A***N/A***79%
Earl township0%***0%***38%***62%
East Cocalico township100%***100%***34%***79%
East Donegal township100%***100%***67%***78%
East Drumore townshipN/A***100%***N/A***84%
East Earl township100%***0%***0%***77%
East Hempfield township54%**5%***42%**73%
East Lampeter township37%**30%***21%***61%
Eden townshipN/A***100%***75%***88%
Elizabeth township28%***N/A***100%***92%
Ephrata township77%***100%***72%***74%
Fulton townshipN/A***100%***0%***78%
Lancaster township68%**46%*33%*66%
Leacock township100%***0%***81%***69%
Little Britain townshipN/A***100%***N/A***85%
Manheim township77%*58%**38%*73%
Manor township88%**43%***58%***75%
Martic townshipN/A***N/A***20%***83%
Mount Joy township100%***36%***56%***74%
Paradise townshipN/A***0%***0%***72%
Penn township100%***0%***100%***80%
Pequea township100%***N/A***100%***86%
Providence township100%***N/A***10%***78%
Rapho township100%***0%***82%***83%
Sadsbury townshipN/A***0%***100%***84%
Salisbury township100%***100%***100%***78%
Strasburg townshipN/A***N/A***N/A***89%
Upper Leacock township68%***0%***22%***66%
Warwick township36%***52%***37%***74%
West Cocalico townshipN/A***N/A***0%***84%
West Donegal townshipN/A***100%***100%***68%
West Earl township100%***24%***78%***77%
West Hempfield township100%***48%***38%***80%
West Lampeter township100%***100%***49%***71%
Berks County71%42%41%76%
Chester County68%48%42%78%
Cumberland County55%14%*36%74%
Dauphin County53%34%31%72%
Lebanon County71%*35%*30%74%
York County69%37%36%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, 2014-18
AsianBlack or African AmericanHispanicWhite
Pennsylvania77,483219,793104,1043,107,061
Lancaster County2,0442,3086,092129,031
Lancaster City249*9612,5027,722
Lancaster County Boroughs
Adamstown borough18***0***0***520
Akron borough0***0***10***896
Columbia borough35***121***57***2,210
Denver township25***8***84***1,041
East Petersburg borough16***0***107**1,472
Elizabethtown borough25***0***19***2,100
Ephrata borough27***23***193*3,192
Lititz borough25***18***54***2,544
Manheim borough0***58***0***1,067
Marietta borough0***8***6***705
Millersville borough35***0***51***1,514
Mount Joy borough0***25***51***2,041
Mountville borough11***73***0***627*
New Holland borough0***0***48***1,358
Quarryville borough0***4***22***496
Strasburg borough7***0***6***774
Terre Hill borough0***0***0***318
Lancaster County Townships
Bart township0***5***30***671
Brecknock township15***0***14***2,213
Caernarvon township0***0***13***1,112
Clay township26***21***20***1,901
Colerain township0***5***0***811
Conestoga township0***0***7***1,346
Conoy township0***0***21***1,089
Drumore township0***0***0***638
Earl township0***0***23***1,498
East Cocalico township41***12***50***2,954
East Donegal township11***13***47***2,151
East Drumore township0***5***0***1,111
East Earl township13***0***0***1,522
East Hempfield township141**18***255**6,613
East Lampeter township107**125***116***3,302
Eden township0***5***15***516
Elizabeth township8***0***8***1,209
Ephrata township30***3***87***2,682
Fulton township0***9***0***722
Lancaster township173**267*477*3,382
Leacock township26***0***44***1,121
Little Britain township0***13***0***1,186
Manheim township503*219**480*10,187
Manor township123**113***276***5,760
Martic township0***0***13***1,566
Mount Joy township13***24***49***2,879
Paradise township0***0***0***1,217
Penn township52***0***122***2,678
Pequea township10***0***20***1,613
Providence township12***0***18***2,140
Rapho township7***0***114***3,879
Sadsbury township0***0***5***720
Salisbury township24***22***42***2,449
Strasburg township0***0***0***1,136
Upper Leacock township78***0***43***1,863
Warwick township28***14***88***5,086
West Cocalico township0***0***0***2,069
West Donegal township0***21***21***2,230
West Earl township28***14***87***2,012
West Hempfield township96***44***145***4,698
West Lampeter township6***34***130***4,320
Berks County1,1182,7719,426102,141
Chester County5,8304,8603,735130,331
Cumberland County1,742430*83866,640
Dauphin County1,8836,5932,33360,693
Lebanon County339*403*1,51735,588
York County1,2763,1703,171121,900

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 Maintaining
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 Decreasing
Age of Housing Stock Not Applicable
Violent Crime Rate Maintaining
Incarceration Rate Maintaining
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 Increasing
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 Maintaining
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 Decreasing
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 Maintaining
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 Maintaining
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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