The National Association of Real Estate Brokers released its 关于黑人房屋所有权的最新报告.

美国.S. Census Bureau estimates the Black homeownership rate was 47% in Q2 2020 and has yet to reach pre-2008 financial crisis levels. The non-Hispanic white homeownership rate was estimated to be 76%.

“Despite emphasis on the homeownership aspect of the American Dream in popular culture and among scholars and policymakers, Black and other minority families have faced many barriers to homeownership, most of which can be traced to cumulative disadvantage and structural inequalities,报告说。. 

其他统计数字 2020 State of Housing in Black America: Challenges Facing Black Homeowners and Home买家 During the COVID-19 Pandemic and An Agenda For Public Policy 包括:

  • The average Black homebuyer is between 35 and 44 and has a FICO score of 626. 在传统市场中, Black 购房者 borrow an average of $236,000, 先付5%, 你的债务收入比是39%, 平均收入209美元,000. 
  • 美国.S. Census Bureau says the 2019 homeownership rates were: 42.黑人，47岁.5%是拉丁裔，73%是.4%的白人.   
  • The Black-white homeownership gap was 26 percentage points in 2020, only slightly lower than the 26.8 percentage point gap in 1960, before the passage of the 1968 Fair Housing Act.
  • 62% of the Black population is concentrated in 20 metropolitan statistical areas.
  • The average home value was $350,194 for white new 购房者 and $255,878 for Black new 购房者. 
  • In 2019, 大约有472,000 home purchase mortgages were obtained by Black 购房者, 超过1130亿美元的房屋购买.
  • According to Freddie Mac, there were approximately 2.9 million Black “mortgage-ready” households in the U.S. in 2019. 

The report also includes public policy and real estate industry recommendations, such as instituting aggressive loan forbearance, restoring 公平住房 regulatory protections and enforcement, and evaluating inclusionary zoning programs and their effects on Black communities. 

点击这里阅读报告.