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Title: Minority Homeownership in Texas: Residential Advantage vs. Social-Economic Disadvantage

Citation Type: Miscellaneous

Publication Year: 2007

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Abstract: This paper analyzes the effect of neighborhood composition on the probability of homeownership for individuals living in Texas. Since Texas has a relatively large Hispanic population compared to other U.S. states and the Hispanic population has been highly concentrated in many urban areas, residential advantages based on ethnic clustering could positively affect homeownership for Hispanic individuals in predominantly Hispanic areas. However, Hispanics simultaneously struggle with low socio-economic status and possibly face discrimination in the mortgage lending market.The study uses data from the Public Use Microdata Sample (PUMS) of the 2000 U.S. Census to examine the determinants of homeownership for a sample of Texas residents. The study found that (1) social and economic characteristics are important determinants of homeownership even after controlling other demographic, immigration, race, and location factors; (2) residential clustering of Hispanic population in Texas leads to an offsetting effect across all Hispanic immigrant groups; (3) however, the offsetting effect can vary by geographic area types and immigration status; and (4) immigration factors have a very strong independent influence on minority homeownership rate.Keywords: Demographics, Homeownership, Immigration, Neighborhood

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Authors: Park, Yoonhwan

Publisher: The University of Texas at Dallas

Data Collections: IPUMS USA

Topics: Family and Marriage, Migration and Immigration

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