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 telephone service available 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 Facilities" (http://www.census.gov/acs/www/AdvMeth/content_test/H3_Facilities.pdf).

For the 1996-1998 American Community Survey, the question asked whether there was a telephone in the house or apartment. A telephone must be inside the house or apartment for the unit to be classified as having a telephone and units where the respondent used a telephone located inside the building but not in the respondent's living quarters were classified as having no telephone. In 1999, the words "or mobile home" were added question to be more inclusive of the structure type. In 2004, instructions that accompanied the ACS mail questionnaire advised respondents that if the household members used cell phones to answer that the house, apartment, or mobile home had telephone service. Starting in 2008, the structure of the question changed and combined telephone service availability with plumbing facilities and kitchen facilities into one question to ask, "Does this house, apartment, or mobile home have -" and provided the respondent with a "Yes" or "No" checkbox for each component needed for complete facilities. In 2008 the instruction " Include cell phones" was added.