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We ask questions about the use and cost of common utilities,
any applicable condominium and mobile home fees, taxes,
insurance, mortgages and home loans to produce statistics
about selected monthly owner costs.
Federal agencies use these data to analyze whether adequate
housing is affordable for residents and to provide and fund
housing assistance programs. These statistics also help
enforce laws, regulations, and policies against discrimination in
government programs and in society.
Your privacy concerns
We use your confidential survey answers to create statistics like those in the results below and in the full tables that
contain all the data—no one is able to figure out your survey answers from the statistics we produce. The Census
Bureau is legally bound to strict confidentiality requirements. Individual records are not shared with anyone, including
federal agencies and law enforcement entities. By law, the Census Bureau cannot share respondents' answers with
anyone, including companies, other federal agencies, and law enforcement.
Questions as they appear on the form
We ask seven questions that cover the cost of utilities, condominium fees, taxes, insurance,
mortgages, and home loans to create a profile of a community's housing costs.
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Results from these questions
We compile the results from these questions to provide communities with important statistics to provide adequate housing, plan
community development, and ensure equal opportunity. You can see some of these published statistics here for the nation, state
and your community.
United States
Owner-occupied Housing Units without a Mortgage
38.8 percent [https://data.census.gov/table/ACSDP5Y2023.DP04]
Source: Latest ACS 5-Year Estimates
Data Profiles/Housing Characteristics [https://data.census.gov/table/ACSDP5Y2023.DP04]
Owner-occupied Housing Units with a Mortgage
61.2 percent [https://data.census.gov/table/ACSDP5Y2023.DP04]
Source: Latest ACS 5-Year Estimates
Data Profiles/Housing Characteristics [https://data.census.gov/table/ACSDP5Y2023.DP04]
Housing units with no second mortgage and no home equity loan
44,306,731 [https://data.census.gov/table/ACSDT5Y2023.B25081]
Source: Latest ACS 5-Year Estimates
Detailed Tables: B25081 [https://data.census.gov/table/ACSDT5Y2023.B25081]
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Housing costs for owners data help communities:
Provide Adequate Housing
We ask about housing costs and household income (the combined income of everyone in the household) to help communities
understand whether housing is affordable for residents. When housing is not sufficient or not affordable, housing cost data can
help communities:
Enroll eligible households in programs designed to assist them.
Qualify for grants from the Community Development Block Grant (CDBG), HOME Investment Partnerships Program, Emergency Solutions
Grants (ESG), Housing Opportunities for Persons with AIDS (HOPWA), and other programs.
Plan Community Development
Knowing how housing costs change over time can help communities:
Understand changes in local housing markets.
Identify opportunities to improve tax, assistance, and zoning policies.
Ensure Equal Opportunity
We ask about the housing costs of people who own homes in the community in combination with age, sex, race,
Hispanic origin, disability status, and other data about the household residents, to help the government and
communities enforce laws, such as the 1968 Fair Housing Act, designed to eliminate discrimination in housing.
History of housing costs for owners questions
Cost of utilities, taxes, and mortgage costs originated with the 1940 Census, insurance costs originated with the 1980
Census, while condominium and mobile homes fees originated with the 1990 Census. They transferred to the ACS in
2005 when it replaced the decennial census long form.
[https://acsdatacommunity.prb.org/]
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