FY 2021 Housing Needs Assessment Sections:

Executive Summary Table of Contents Homeownership Rental Housing Home Energy & Transportation Housing Insecurity Housing Stock Income & Labor Demographics How Ohio Compares COVID-19

Table of Contents

I. Homeownership

a. Homeownership Rate
  1. Quarterly Homeownership Rates for the U.S. & Ohio
  2. Homeownership Rate Gap, White & Black
  3. Homeownership Gap, White & Black, by Income
  4. Homeownership Rate by County
  5. Homeownership Gap, White & Black, by Region
  6. Homeownership Gap, White & Black, by Typology
b. Home Sales & Home Value
  1. Monthly Number of Home Sales
  2. Monthly Median Home Price
  3. Median Home Value Over Time
  4. Median Home Value by Year Structure Built
  5. Median Home Price by County
  6. Median Home Value by County
c. Mortgage Lending & Home Price Affordability
  1. Median Debt-to-Income Ratios for the U.S. & Ohio
  2. Median Price-to-Income Ratios for the U.S. & Ohio
  3. Median Price-to-Income Ratio by Quintile of Income
  4. Households by Highest Priced Home in Price Range
  5. Average FICO® Score by Region
  6. Average FICO® Score by County
  7. Median Household Debt-to-Income Ratio by County
  8. Median Price-to-Income Ratio by County
d. Mortgage Loan Denial Rate
  1. Mortgage Loan Denial Rates for the U.S. & Ohio
  2. Mortgage Loan Denial Rate by Race & Ethnicity
  3. Denial Rate Gap, Black & White
  4. Denial Rate Gap, Black & White, by Income
  5. Mortgage Loan Denial Rate by Region
  6. Mortgage Loan Denial Rate by County
  7. Mortgage Loan Denial Rate by Typology
  8. Denial Rate Gap, Black & White, by Region
  9. Denial Rate Gap, Black & White, by Typology
e. Monthly Homeowner Costs
  1. Median Homeowner Costs by Mortgage Status
  2. Homeowner Costs as Share of Income, U.S. & Ohio
  3. Median Homeowner Costs for Mortgage Holders by County
  4. Change in Homeowner Costs for Mortgage Holders by County
  5. Costs as Share of Income for Mortgage Holders by County
f. Severe Homeowner Cost Burden
  1. Severe Homeowner Cost Burden in the U.S. & Ohio
  2. Severe Homeowner Cost Burden by Age
  3. Severe Homeowner Cost Burden by Race & Ethnicity
  4. Severe Homeowner Cost Burden by Region
  5. Severe Homeowner Cost Burden by County
  6. Severe Homeowner Cost Burden by Typology
  7. Severe Cost Burden Gap, Black & White, by Region
  8. Severe Cost Burden Gap, Black & White, by Typology

II. Rental Housing

a. Rent
  1. Median Monthly Gross Rent
  2. Change in Median Rent & Selected Income Levels
  3. Median Monthly Gross Rent by Year Structure Built
  4. Gross Rent as Share of Income for the U.S. & Ohio
  5. Median Monthly Gross Rent by County
  6. Change in Median Gross Rent by County
  7. Gross Rent as Share of Income by County
b. Shortage of Affordable Rental Housing
  1. Shortage of Affordable & Available Units by Income
  2. Affordable & Available Ratio, U.S & Ohio, by Income
  3. Affordable & Available Ratio by Income & Bedrooms
  4. Affordable & Available Ratio by Income & Region
  5. Affordable & Available Ratio for ELI Renters by County
  6. Affordable & Available Ratio for VLI Renters by County
  7. Affordable & Available Ratio by Income & Typology
c. Severe Rent Burden
  1. Severe Rent Burden in the U.S. & Ohio
  2. Severe Rent Burden by Age
  3. Severe Rent Burden by Race & Ethnicity
  4. Severe Rent Burden by Region
  5. Severe Rent Burden by County
  6. Severe Rent Burden by Typology
  7. Severe Rent Burden Gap, Black & White, by Region
  8. Severe Rent Burden Gap, Black & White, by Typology

III. Home Energy & Transportation

a. Home Energy & Utilities
  1. Homeowner Utility Costs by Type
  2. Renter Utility Costs by Type
  3. Carbon Footprint from Home Energy Use by Region
  4. Carbon Footprint from Home Energy Use by County
  5. Share of Households Participating in HEAP by Region
  6. Share of Households Participating in HEAP by County
b. Transportation
  1. Household Transportation Costs by Type & Typology
  2. H+T® Affordability Index by Typology
  3. Annual Household Transportation Costs by County
  4. H+T® Affordability Index by County

IV. HOUSING INSECURITY

a. Negative Equity & Mortgage Default
  1. Monthly 90-Day Delinquency Rate, U.S. & Ohio
  2. Monthly Foreclosure Rates for the U.S. & Ohio
  3. Quarterly Negative Equity Shares for the U.S. & Ohio
  4. 90-Day Delinquency Rate by Region
  5. 90-Day Delinquency Rate by County
  6. Foreclosure Rate by Region
  7. Foreclosure Rate by County
  8. Negative Equity Share by Region
  9. Negative Equity Share, by County
b. Eviction Filing Rate
  1. Eviction Filing Rates for the United States & Ohio
  2. Eviction Filing Rate by Region
  3. Eviction Filing Rate by County
c. Homelessness
  1. Continuum of Care Clients by Project Type
  2. Beds for Homeless Persons by Project Type
  3. Homeless Share of School Enrollment by Region
  4. Homeless Share of School Enrollment by County
  5. Homeless Share of School Enrollment by Typology

V. Housing Stock

a. Change in Housing Stock
  1. Change in Housing Stock in the United States & Ohio
  2. Change in Population & Housing Stock
  3. Change in Housing Stock by Region
  4. Change in Housing Stock by County
  5. Change in Housing Stock by Typology
b. Structure Type
  1. Housing Units by Structure Type & Region
  2. Single-Family Detached Homes as Share of Units by County
  3. Multifamily Units as Share of Units by County
  4. Mobile Homes as Share of Units by County
c. Housing Vacancy
  1. Quarterly Vacancy Rate, U.S. & Ohio, by Tenure
  2. Vacant Housing Units by Vacancy Status
  3. Vacancy Rate by Tenure & Region
  4. Homeowner Vacancy Rate by County
  5. Rental Vacancy Rate by County
d. Lead Hazard
  1. Share of Units Built Pre-1950/1980 by Region
  2. Share of Units Built Pre-1950/1980 by Typology
  3. Prevalence of Risk of Lead Paint Hazard by Region
  4. EBLLs in Children Under 6 Years by Region
  5. Share of Units Built Pre-1950 by County
  6. Share of Units Built Pre-1980 by County
  7. Prevalence of Risk of Lead Paint Hazard by County
e. Severe Housing Problems
  1. Severe Housing Problems by Race & Ethnicity
  2. Severe Housing Problems by County
  3. Severe Housing Problems by Typology

VI. Income & Labor

a. Household Income
  1. Household Income Distribution by Tenure
  2. Median Household Income Over Time
  3. Income Gap Ratio, 80th & 20th Percentiles
  4. Income Gap Ratio, White & Black Householders
  5. Median Household Income by County
  6. Change in Median Household Income by County
  7. Income Gap Ratio, 80th & 20th Percentiles by County
b. Poverty
  1. Poverty Rates for the United States & Ohio
  2. Poverty Rate Gap, Black & White, Over Time
  3. Poverty Rate by Region
  4. Poverty Rate by County
  5. Poverty Rate by Typology
  6. Poverty Rate Gap, Black & White, by Region
  7. Poverty Rate Gap, Black & White, by County
  8. Liquid Asset Poverty Rate by County
c. Child Poverty
  1. Child Poverty Rates for the U.S. & Ohio by Age
  2. Child Poverty Rate by Region
  3. Child Poverty Rate by County
  4. Child Poverty Rate by Age & Typology
d. Labor Force Participation Rate
  1. Monthly Labor Force Participation Rate, U.S. & Ohio
  2. Labor Force Participation Rate by Region
  3. Labor Force Participation Rate by County
e. Unemployment Rate
  1. Monthly Unemployment Rates for the U.S. & Ohio
  2. Unemployment Rate by Region
  3. Unemployment Rate by County

VII. Demographics

a. Population Change
  1. Change in Population in the United States & Ohio
  2. Change in Population by Region
  3. Change in Population by County
  4. Change in Population by Typology
b. Median Age & Age Groups
  1. Population Distribution by Age and Sex
  2. Median Age for the United States & Ohio
  3. Population by Age Group
  4. Median Age by County
  5. Population by Age Group & Region
  6. Share of Population Under 18 by County
  7. Share of Population 55 & Over by County
c. Aging
  1. Projected Share of Population 55 & Over by Age
  2. Projected Share of Population 55 & Over by Region
  3. Projected Share of Population 55 & Over by County
  4. Projected Change in Population 55 & Over by Region
  5. Projected Change in Population 55 & Over by County
d. Household & Family Type
  1. Householders 65 & Over & Living Alone, U.S. & Ohio
  2. Householders 65 & Over & Living Alone by Region
  3. Householders 65 & Over & Living Alone by County
  4. Families with Children as Share of Households by County
  5. Households by Type & Typology
  6. Single Mothers with Children as Share of Renters by County
  7. Renter Households by Type & Typology
e. Household Size
  1. Average Household Size in the United States & Ohio
  2. Average Household Size by Typology
f. Race & National Origin
  1. People of Color by Race & Ethnicity
  2. Foreign Born by World Region of Origin
  3. Refugee Arrivals to the U.S. & Ohio per Million
  4. iv. Refugee Arrivals by World Region of Origin
  5. People of Color by Race, Ethnicity & Region
  6. People of Color as Share of Population by County
  7. Foreign Born by World Region of Origin & Ohio Region
  8. Foreign Born as Share of Population by County
g. Veterans
  1. Severe Homeowner Cost Burden, Veterans, by Age
  2. Severe Rent Burden for Veterans by Age
  3. Veterans as Share of Civilian Adults by Region
  4. Veterans as Share of Civilian Adults by County
  5. Severe Homeowner Cost Burden, Veterans, by Region
  6. Severe Rent Burden for Veterans by Region
h. Persons with Disabilities & Substance Abuse
  1. Disability Prevalence Rates for the U.S. & Ohio
  2. Housing Problems for Disabled Renters
  3. Opiate Overdose Mortality Rates for the U.S. & Ohio
  4. Disability Prevalence Rate by Region
  5. Disability Prevalence Rate by County
  6. Opiate Overdose Mortality Rate by Region
  7. Opiate Overdose Mortality Rate by County
i. Infant Mortality Rate
  1. Infant Mortality Rates for the United States & Ohio
  2. Infant Mortality Rate Gap, Black & White
  3. Infant Mortality Rate by Region
  4. Infant Mortality Rate by County
  5. Infant Mortality Gap, Black & White, by Region
j. Fair Housing Discrimination
  1. Fair Housing Discrimination Cases Closed by Basis
  2. Fair Housing Discrimination Cases Closed by Region

VIII. How Ohio Compares

a. Homeownership
  1. Homeownership Gap, White & Black Householders
  2. Average FICO® Score
  3. Share of Adults with Student Loan Debt
  4. Median Household Debt-to-Income Ratio
  5. Mortgage Loan Denial Rate
  6. Mortgage Loan Denial Rate Gap, Black & White
b. Rental Housing
  1. Government-Assisted Renters as Share of All Renters
  2. Severe Rent Burden
  3. Affordable & Available Ratio by Income
c. Home Energy & Transportation
  1. Household Carbon Footprint from Home Energy Use
  2. H+T® Affordability Index
d. Housing Insecurity
    i. Eviction Filing Rate ii. Transitional Age Youth Experiencing Homelessness
e. Housing Stock
  1. Change in Housing Stock
  2. Housing Units by Structure Type
  3. Housing Vacancy Rate by Tenure
  4. Share of Housing Units Built Pre-1950 & Pre-1980
  5. Housing Inadequacy Rate
f. Income & Labor
  1. Income Gap Ratio, 80th & 20th Percentiles
  2. Income Gap Ratio, White & Black Householders
  3. Poverty Rate
  4. Poverty Rate Gap, Black & White
  5. Liquid Asset Poverty Rate
  6. Liquid Asset Poverty Rate Gap, Black & White
  7. Child Poverty Rate by Age
  8. Labor Force Participation Rate
  9. Unemployment Rate
g. Demographics
  1. Change in Population
  2. Median Age
  3. Population by Age Group
  4. Householders 65 & Over & Living Alone
  5. Renter Households by Type
  6. People of Color by Race and Ethnicity
  7. Foreign Born by World Region of Origin
  8. Refugee Arrivals per Million
  9. Human Trafficking Victimization Rate
  10. Disability Prevalence Rate
  11. Inaccessible Housing Units as Share of All Units
  12. Opiate Overdose Mortality Rate
  13. Infant Mortality Rate
  14. Infant Mortality Gap, Black & White Mothers

IX. COVID-19

a. Labor Force Participation & Unemployment
  1. Monthly Labor Force Participation Rate, U.S. & Ohio
  2. Monthly Labor Force Participation Rate, 2015–2019 vs. 2020
  3. Monthly Unemployment Rate, U.S. & Ohio
  4. Monthly Unemployment Rate, 2015–2019 vs. 2020
  5. Labor Force Participation Rates, Ohio & Neighboring States
  6. Labor Force Participation Rate by County
  7. Unemployment Rates in Ohio & Neighboring States
  8. Unemployment Rate by County
b. Homeowner Housing Insecurity
  1. Monthly Mortgage Forbearance Rate, U.S. & Ohio
  2. Monthly Mortgage Delinquency Rate, U.S. & Ohio
  3. Monthly 90-Day Delinquency Rate, U.S. & Ohio
  4. Monthly 90-Day Delinquency Rate, 2015–2019 vs. 2020
  5. Monthly Foreclosure Rates for the U.S. & Ohio
  6. Monthly Foreclosure Rate, 2015–2019 vs. 2020
  7. Low Confidence in Ability to Pay Mortgage, U.S. & Ohio
  8. 90-Day Mortgage Delinquency Rate by County
  9. Foreclosure Rate by County
c. Rental Housing Insecurity
  1. Monthly Rent Forbearance Rate, U.S. & Ohio
  2. Monthly Rent Delinquency Rate, U.S. & Ohio
  3. Low Confidence in Ability to Pay Rent, U.S. & Ohio
  4. Monthly Evictions, 2012–2016 vs. 2020, Cleveland
  5. Monthly Evictions, 2012–2016 vs. 2020, Franklin Co.
  6. Monthly Evictions, 2012–2016 vs. 2020, Hamilton Co.
d. Supply of Affordable Housing
  1. Monthly Home Sales, 2015–2019 vs. 2020
  2. Monthly Median Home Price, 2015–2019 vs. 2020
  3. Monthly Home Value Index, 2015–2019 vs. 2020
  4. Monthly New Units Authorized, 2015–2019 vs. 2020
  5. Median Home Price by County
  6. Home Value Index by County
e. Vulnerable Populations
  1. Institutionalization Rate, Ohio & Neighboring States
  2. Children with No Internet, Ohio & Neighboring States
  3. Social Vulnerability Index by County
  4. Share of Children without Reliable Internet Access by County