Why this issue matters for racial equity?

For most families, their house is their biggest asset, providing stability and a means for building wealth. The exclusionary discrimination practices in the housing market have generated a volatile cycle for people of color, leaving them with lower homeownership rates, higher priced loans and living in segregated neighborhoods with less access to public resources.


Policy levers:

Advocates across the state are organizing in a variety of municipal campaigns focused on increasing affordable and quality housing opportunities and for the protection and acknowledgement of tenant rights.



Income left after housing costs (owner), income left after housing costs (renter), foreclosure rate, loan types/subprime, housing quality, and homeownership.

Key Takeaways

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Subprime Loans
Latinos and African Americans are subjected to higher-priced housing (subprime) loans 4x more than Asians and 2x more than Whites.
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Asian and White homeowners have nearly $25,000 more income left after paying for housing costs when compared to Blacks, Native Americans, Pacific Islanders, and Latinos.
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Renters have less income left over after paying for housing than owners. Still, White renters have nearly 3x more income left over than Black renters.
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Home Value
The value of one's home is vastly different depending on your racial identity: for Whites and Asians, home values were at or above the median value of $400,000, at $400,000 and $455,000 respectively. However, for Blacks and Latinos the values were below the median, at $300,000 and $250,000 respectively.
04 of 7 key issues


The inability of regional governments to provide solutions for affordable housing has resulted in greater income inequality and decreased social mobility.

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