The data on mortgage status were obtained from questionnaire items H23a and H24a, which were asked at owner-occupied one-family houses, condominiums, and mobile homes. "Mortgage" refers to all forms of debt where the property is pledged as security for repayment of the debt. It includes such debt instruments as 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 1989" 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.

The information on selected monthly owner costs as a percentage of household income in 1989 is the computed ratio of selected monthly owner costs to monthly household income in 1989. The ratio was computed separately for each unit and rounded to the nearest whole percentage. The data are tabulated separately for specified owner occupied units, condominiums, and mobile homes.

Separate distributions are often shown for units "with a mortgage" and for units "not mortgaged." Units occupied by households reporting no income or a net loss in 1989 are included in the "not computed" category. (For more information, see the discussion under "Selected Monthly Owner Costs.")

A housing unit is owner occupied if the owner or co-owner lives in the unit even if it is mortgaged or not fully paid for. The owner or co-owner must live in the unit and usually is the person listed in column 1 of the questionnaire. The unit is "Owned by you or someone in this household with a mortgage or loan" if it is being purchased with a mortgage or some other debt arrangement such as a deed of trust, trust deed, contract to purchase, land contract, or purchase agreement. The unit is also considered owned with a mortgage if it is built on leased land and there is a mortgage on the unit.

A housing unit is "Owned by you or someone in this household free and clear (without a mortgage)" if there is no mortgage or other similar debt on the house, apartment, or mobile home including units built on leased land if the unit is owned outright without a mortgage. Although owner-occupied units are divided between mortgaged and owned free and clear on the questionnaire, census data products containing 100-percent data show only total owner-occupied counts. More extensive mortgage information was collected on the long-form questionnaire and are shown in census products containing sample data. (For more information, see the discussion under "Mortgage Status.")

A housing unit is a house, an apartment, a mobile home or trailer, a group of rooms or a single room occupied as separate living quarters or, if vacant, intended for occupancy as separate living quarters.

Separate living quarters are those in which the occupants live and eat separately from any other persons in the building and which have direct access from outside the building or through a common hall.

The occupants may be a single family, one person living alone, two or more families living together, or any other group of related or unrelated persons who share living arrangements. For vacant units, the criteria of separateness and direct access are applied to the intended occupants whenever possible. If that information cannot be obtained, the criteria are applied to the previous occupants.

Both occupied and vacant housing units are included in the housing unit inventory, except that recreational vehicles, boats, vans, tents, railroad cars, and the like are included only if they are occupied as someone's usual place of residence. Vacant mobile homes are included provided they are intended for occupancy on the site where they stand. Vacant mobile homes on dealers' sales lots, at the factory, or in storage yards are excluded from the housing inventory.

If the living quarters contains nine or more persons unrelated to the householder or person in charge (a total of at least 10 unrelated persons), it is classified as group quarters. If the living quarters contains eight or fewer persons unrelated to the householder or person in charge, it is classified as a housing unit.

The data on mortgage payment were obtained from questionnaire item H23b, which was asked at owner occupied one-family houses, condominiums, and mobile homes. This item was asked on a sample basis. Question H23b provides the regular monthly amount required to be paid the lender for the first mortgage (deed of trust, contract to purchase, or similar debt) on the property. Amounts are included even if the payments are delinquent or paid by someone else. The amounts reported are included in the computation of "Selected Monthly Owner Costs" and "Selected Monthly Owner Costs as a Percentage of Household Income in 1989" for units with a mortgage.

The amounts reported include everything paid to the lender including principal and interest payments, real estate taxes, fire, hazard, and flood insurance payments, and mortgage insurance premiums. Separate questions determine whether real estate taxes and fire, hazard, and flood insurance payments are included in the mortgage payment to the lender. This makes it possible to avoid counting these components twice in the computation of "Selected Monthly Owner Costs."