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 or loan)" 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 rent 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 rent paid" category. "Rented" 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 1996-2007 the American Community Survey questions were the same. Starting in 2008, 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 2008 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 Census Bureau tested the changes introduced to the 2008 version of the bedrooms question in the 2006 ACS Content Test. The results of this testing show that the changes may introduce an inconsistency in the data produced for this question as observed from the years 2007 to 2008, see "2006 ACS Content Test Evaluation Report Covering Rooms and Bedrooms" (For more information, please click here).

The 1996-1998 American Community Survey question provided a response category for "None" and space for the respondent to enter a number of bedrooms. From 1999-2007, the question provided pre-coded response categories from "No bedroom" to "5 or more bedrooms." Starting in 2008, the question became the second part of a two-part question that linked the number of "rooms" and number of" bedrooms" questions together. In addition, the wording of the question was changed to ask, "How many of these rooms are bedrooms?" Additional changes introduced in 2008 included removing the pre- coded response categories and adding a write-in box for the respondent to enter the number of "bedrooms," providing the rule to use for defining a bedroom as an instruction, and providing an additional instruction addressing efficiency and studio apartments - "If this is an efficiency/studio apartment, print '0'."