Data Dictionary: Census 2000
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Survey: Census 2000
Data Source: U.S. Census Bureau
Universe: Specified owner-occupied housing units with a householder who is Black or African American alone
Variable Details
HCT45B. Median Selected Monthly Owner Costs By Mortgage Status (Black Alone Householder)
Universe: Specified owner-occupied housing units with a householder who is Black or African American alone
HCT045B002Housing units without a mortgage
Percent base:
None - percentages not computed
Aggregation method:
Median, using bracket table: HCT044B, interpolation method: Pareto
Relevant Documentation:
Excerpt from: Social Explorer, U.S. Census Bureau; 2000 Census of Population and Housing, Summary File 3: Technical Documentation, 2002.
 
Median selected monthly owner costs
This measure divides the selected monthly owner costs distribution into two equal parts, one-half of the cases falling below the median selected monthly owner costs and one-half above the median. Medians are shown separately for units "with a mortgage" and for units "not mortgaged." Median selected monthly owner costs are computed on the basis of a standard distribution (see the "Standard Distributions" section under "Derived Measures"). Median selected monthly owner costs are rounded to the nearest whole dollar. (For more information on medians, see "Derived Measures".)

Excerpt from: Social Explorer, U.S. Census Bureau; 2000 Census of Population and Housing, Summary File 3: Technical Documentation, 2002.
 
Mortgage Status
The data on mortgage status were obtained from answers to long-form questionnaire Items 47a and 48a, which were asked on a sample basis at owner-occupied housing 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 census data products, the tabulations for "Selected Monthly Owner Costs" and "Selected Monthly Owner Costs as a Percentage of Household Income in 1999" 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.

Comparability
A question on mortgage status was included in the 1940 and 1950 censuses, but not in the 1960 and 1970 censuses. The item was reinstated in 1980 along with a separate question dealing with the existence of second or junior mortgages. In 1990, the mortgage status questions were asked of 1-family, owner-occupied housing units; mobile homes; and condominiums. In 1990, the answer categories for the second and junior mortgage question did not distinguish between a second mortgage and a home equity loan.

In Census 2000, the questions were asked at all owner-occupied housing units. In addition, the answer categories distinguished between a second mortgage and a home equity loan.

Excerpt from: Social Explorer, U.S. Census Bureau; 2000 Census of Population and Housing, Summary File 3: Technical Documentation, 2002.
 
Black or African American
A person having origins in any of the Black racial groups of Africa. It includes people who indicate their race as "Black, African Am., or Negro," or provide written entries such as African American, Afro-American, Kenyan, Nigerian, or Haitian.