Data Dictionary: ACS 2007 -- 2009 (3-Year Estimates)
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Data Source: U.S. Census Bureau
Table: B25027. Mortgage Status By Age Of Householder [17]
Universe: Owner-occupied housing units
Table Details
Relevant Documentation:
Excerpt from: Social Explorer; U.S. Census Bureau; American Community Survey 2007-2009 Summary File: Technical Documentation.
Mortgage Status
The data on mortgage status were obtained from Housing Questions 19a and 20a in the 2009 American Community Survey. The questions were asked at owner-occupied units. "Mortgage" refers to all forms of debt where the property is pledged as security for repayment of the debt, including deeds of trust; trust deeds; contracts to purchase; land contracts; junior mortgages; and home equity loans.

A mortgage is considered a first mortgage if it has prior claim over any other mortgage or if it is the only mortgage on the property. All other mortgages (second, third, etc.) are considered junior mortgages. A home equity loan is generally a junior mortgage. If no first mortgage is reported, but a junior mortgage or home equity loan is reported, then the loan is considered a first mortgage.

In most data products, the tabulations for "Selected Monthly Owner Costs" and "Selected Monthly Owner Costs as a Percentage of Household Income" usually are shown separately for units "with a mortgage" and for units "not mortgaged." The category not mortgaged is comprised of housing units owned free and clear of debt.
Mortgage status provides information on the cost of home ownership. When the data is used in conjunction with mortgage payment data, the information determines shelter costs for living quarters. These data can be use in the development of housing programs aimed to meet the needs of people at different economic levels. The data also serve to evaluate the magnitude of and to plan facilities for condominiums, which are becoming an important source of supply of new housing in many areas.

Question/Concept History
Since 1996, the American Community Survey questions have been the same.

Data on mortgage status in the American Community Survey can be compared to previous ACS and Census 2000 mortgage status data. For Census 2000, tables for both total owner-occupied housing units and specified owner-occupied housing units were released, thus comparisons can be made only when comparing the same universes between the two data sets.

Excerpt from: Social Explorer; U.S. Census Bureau; American Community Survey 2007-2009 Summary File: Technical Documentation.
New questions were added to the 2008 ACS CATI/CAPI instrument. Respondents who received a high school diploma, GED or equivalent were also asked if they had completed any college credit. Therefore, data users may notice a decrease in the number of high school graduates relative to previous years because those people are now being captured in the "Some college credit, but less than 1 year of college credit" or "1 or more years of college credit, no degree categories." For more information see the report titled Report P.2.b: "Evaluation Report Covering Educational Attainment" on the ACS website (

Data about educational attainment are also collected from the decennial Census and from the Current Population Survey (CPS). ACS data is generally comparable to data from the Census. For more information about the comparability of ACS and CPS data, please see the link for the Fact Sheet and the Comparison Report from the CPS Educational Attainment page.