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 Person 1 on 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 also is considered owned with a mortgage if it is built on leased land and there is a mortgage on the unit. Mobile homes occupied by owners with installment loan balances also are included in this category.
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.

All occupied housing units which are not owner occupied, whether they are rented or occupied without payment of rent, are classified as renter occupied. "No cash paid" units are separately identified in the rent tabulations. Such units are generally provided free by friends or relatives or in exchange for services such as resident manager, caretaker, minister, or tenant farmer. Housing units on military bases also are classified in the "No cash paid" category. "Rented for cash rent" includes units in continuing care, sometimes called life care arrangements. These arrangements usually involve a contract between one or more individuals and a health services provider guaranteeing the individual shelter, usually a house or apartment, and services, such as meals or transportation to shopping or recreation. (For more information, see " Meals Included in Rent .")

From 1996-2006 the American Community Survey questions were the same. Starting in 2006, the instruction Mark (X) ONE box. was added following the question, and the instruction Include home equity loans. was added following the response category "Owned by you or someone in this household with a mortgage or loan?" Additional changes introduced In 2006 included revising the wording of two of the response categories from "Rented for cash rent?" to "Rented?" and "Occupied without payment of cash rent?" to "Occupied without payment of rent?"

The median age is the age that divides the population into two equal-size groups. Half of the population is older than the median age and half is younger. Median age is based on a standard distribution of the population by single years of age and is shown to the nearest tenth of a year. (See the sections on "Standard Distributions" and "Medians" under "Derived Measures.")

The age dependency ratio is derived by dividing the combined under-18 and 65-and-over populations by the 18-to-64 population and multiplying by 100.

The old-age dependency ratio is derived by dividing the population 65 years and over by the 18-to-64 population and multiplying by 100.

The child dependency ratio is derived by dividing the population under 18 years by the 18-to-64 population, and multiplying by 100.

Caution should be taken when comparing population in age groups across time. The entire population continually ages into older age groups over time and babies fill in the youngest age group. Therefore, the population of a certain age is made up of a completely different group of people in 2000 and 2006. Since populations occasionally experience booms/increases and busts/decreases in births, deaths, or migration (for example, the postwar Baby Boom from 1946-1964), one should not necessarily expect that the population in an age group in Census 2000 should be similar in size or proportion to the population in the same age group in the 2006 ACS. For example, Baby Boomers were age 36 to 54 in Census 2000 while they were age 44 to 62 in the 2006 ACS. Therefore, the age group 55 to 59 would show a considerable increase in population when comparing Census 2000 data with the 2006 ACS data.
Beginning in 2006, the population in group quarters (GQ) is included in the ACS. Some types of GQ populations have age distributions that are very different from the household population. The inclusion of the GQ population could therefore have a noticeable impact on the age distribution. This is particularly true for areas with a substantial GQ population.

The 1996-2002 American Community Survey question asked for month, day, and year of birth before age. Since 2003, the American Community Survey question asked for age, followed by month, day, and year of birth. In 2006, an additional instruction was provided with the age and date of birth question on the American Community Survey questionnaire to report babies as age 0 when the child was less than 1 year old. The addition of this instruction occurred after 2005 National Census Test results indicated increased accuracy of age reporting for babies less than one year old.