Homeownership Plans Among Hispanic Renters
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This document analyzes data from 1995-2007 on homeownership plans among Hispanic renters in the US. It finds that from 1998-2004, Hispanic renters expressed a higher propensity to save for homeownership compared to other ethnic groups. However, this difference disappeared by 2007. The trend corresponds with relative housing price appreciation in states with large Hispanic populations from 2004-2007. This suggests the move toward homeownership among Hispanic renters was driven more by regional economic trends than ethnic differences. The housing crash and tighter lending standards indicate renting demand may increase in the future.
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Re:Module 3 DQ 2
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Reference:
Nieveen, N., & Folmer, E. (2013). Formative evaluation in educational design research.油Design Research,油153.
Reply油油|油油Quote & Reply
National Coalition for the Homeless
2201 P Street, NW Tel. 202-462-4822
Washington, DC 20037-1033 Fax. 202-462-4823
http://www.nationalhomeless.org Email. [email油protected]
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- 1. Homeownership Plans among Hispanic Renters: Ethnic Differences or Geographic Differences?Russell N. James IIIJorge H. AtilesUniversity of Georgia
- 2. U.S. Hispanic demographicsThe U.S. has the 2nd largest Hispanic population of any nation at 45.5 million in 2007 (Spain 40.4 million; Mexico 108.7 million)By 2020, approximately 15% of all United States households will be Hispanic (Masnick and Belsky 2006).
- 3. U.S. Hispanic homeownershipIn 1980, 1990, and 2000, Hispanic households in the United States had the lowest rate of homeownership of any major ethnic group, falling below non-Hispanic white, non-Hispanic black, Asian, and other non-Hispanic households (Cortes, et al. 2006). Conversely, more recent data suggest that since 2000, Hispanic homeownership levels grew faster than either non-Hispanic white or non-Hispanic black homeownership levels (Cortes, et al. 2006).
- 4. Factors motivating private rental sector renters to become homeownersPersonal, family, and cultural norms can set expectations or norms for tenure (Morris & Winter, 1978). Environmental realities also affect these preferences. For example, to the extent that homeownership is seen as a profitable investment strategy, renters may be more motivated to purchase.Appreciation is a key factor separating owning from renting.
- 5. Ethnic differences in appreciation?Simple differences in population distributions throughout the country may lead to different appreciation expectations based upon the appreciation experiences in particular regions. Mixed evidence on the direct impact of homeowner or neighborhood ethnicity on appreciation (Flippen, 2004; Coate and Vanderhoff, 1993)
- 6. StudyExamined the homeownership plans of renters in the private rental sector from 1995-2007Nationally-representative dataset (Survey of Consumer Finances)
- 7. Initial findingsData indicate that Hispanic renters experienced a dramatic upsurge in saving for homeownership relative to renters of other ethnic backgrounds during the 1998, 2001, and 2004 surveys. This relatively higher propensity to save for homeownership largely disappeared in the 2007 survey
- 8. Percentage of renters listing buying own house as one of the top two most important reasons to save
- 9. Hispanic status predicting currently planning for a home purchase (whether saving or not) among renters Control variables included : Single male, Single female, Number of household members, liquid assets, Income, <High school diploma, Some college, Bachelors degree, Graduate degree, Age, Minor child in household, Years at current job
- 10. Hispanic status predicting presence of saving for a home purchase among rentersControl variables included : Single male, Single female, Number of household members, liquid assets, Income, <High school diploma, Some college, Bachelors degree, Graduate degree, Age, Minor child in household, Years at current job
- 11. Explanation for the trendOne possibility is differential price appreciationThe SCF dataset has no public data on location of respondentsHowever, we can project typical Hispanic housing appreciation observations based on state-level data
- 12. States with the highest percentage of Hispanic population (over 10%)New Mexico 579,224 (38.2%)California 7,687,938 (25.8%)Texas 4,339,905 (25.5%)Arizona 688,338 (18.8%)Colorado 424,302 (12.9%)New York 2,214,026 (12.3%)Florida 1,574,143 (12.2%)Nevada 124,419 (10.4%)
- 13. 2004 housing price appreciation
- 14. 2007 housing price appreciation
- 16. DiscussionThe bubble in Hispanic renter homeownership plans corresponded with relative housing price appreciation trends in states with large Hispanic populations such as Southern California and South Florida. This suggests that the move to homeownership planning may have been more of a regional economic trend, rather than an ethnic one.
- 17. Future of renting and owningPost-crash housing demand suggests a systemic shift in preference from homeownership to renting.Higher mortgage default experienceMore stringent future mortgage underwriting obligationsAll suggest a higher demand for renting in the future.