H52. Mortgage Status And Selected Monthly Owner Costs [24] - Summary Tape File 3 (STF3) - Census 1990

Data Dictionary:

Census 1990

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Survey: Census 1990

Data Source:

U.S. Census Bureau

Data set: Summary Tape File 3 (STF3)

Table:

H52. Mortgage Status And Selected Monthly Owner Costs [24]

Universe: Specified owner-occupied housing units

Table Details

H52.

Mortgage Status And Selected Monthly Owner Costs

Universe: Specified owner-occupied housing units

Variable	Label
H052_001	Specified owner-occupied housing units
H052_002	With a mortgage:
H052_003	Less than $200
H052_004	$200 to $299
H052_005	$300 to $399
H052_006	$400 to $499
H052_007	$500 to $599
H052_008	$600 to $699
H052_009	$700 to $799
H052_010	$800 to $899
H052_011	$900 to $999
H052_012	$1,000 to $1,249
H052_013	$1,250 to $1,499
H052_014	$1,500 to $1,999
H052_015	$2,000 or more
H052_016	Not mortgaged:
H052_017	Less than $100
H052_018	$100 to $149
H052_019	$150 to $199
H052_020	$200 to $249
H052_021	$250 to $299
H052_022	$300 to $349
H052_023	$350 to $399
H052_024	$400 or more

Relevant Documentation:

Excerpt from:	Social Explorer, U.S. Census Bureau; Census of Population and Housing, 1990: Summary Tape File 3 on CD-ROM [machine-readable data files] / prepared by the Bureau of the Census. Washington: The Bureau [producer and distributor], 1991.
	Summary Tape File 3 -> Appendix B. Definitions of Subject Characteristics -> Housing Characteristics -> Mortgage Status

Mortgage Status

The data on mortgage status were obtained from questionnaire items H23a and H24a, which were asked at owner-occupied one-family houses, condominiums, and mobile homes. "Mortgage" refers to all forms of debt where the property is pledged as security for repayment of the debt. It includes such debt instruments as deeds of trust, trust deeds, contracts to purchase, land contracts, junior mortgages and home equity loans.

A mortgage is considered a first mortgage if it has prior claim over any other mortgage or if it is the only mortgage on the property. All other mortgages, (second, third, etc.) are considered junior mortgages. A home equity loan is generally a junior mortgage. If no first mortgage is reported, but a junior mortgage or home equity loan is reported, then the loan is considered a first mortgage.

In most census data products, the tabulations for "Selected Monthly Owner Costs" and "Selected Monthly Owner Costs as a Percentage of Household Income in 1989" usually are shown separately for units "with a mortgage" and for units "not mortgaged." The category "not mortgaged" is comprised of housing units owned free and clear of debt.

Comparability

A question on mortgage status was included in the 1940 and 1950 censuses, but not in the 1960 and 1970 censuses. The item was reinstated in 1980 along with a separate question dealing with the existence of second or junior mortgages. In 1980, the mortgage status questions were asked at owner-occupied one-family houses on less than 10 acres. Excluded were mobile homes, condominiums, houses with a business or medical office, houses on 10 or more acres, and housing units in multi-unit buildings. In 1990, the questions were asked of all one-family owner-occupied housing units, including houses on 10 or more acres. They were also asked at mobile homes, condominiums, and houses with a business or medical office.

Excerpt from:	Social Explorer, U.S. Census Bureau; Census of Population and Housing, 1990: Summary Tape File 3 on CD-ROM [machine-readable data files] / prepared by the Bureau of the Census. Washington: The Bureau [producer and distributor], 1991.
	Summary Tape File 3 -> Appendix B. Definitions of Subject Characteristics -> Housing Characteristics -> Selected Monthly Owner Costs

Selected Monthly Owner Costs

The data on selected monthly owner costs were obtained from questionnaire items H20 through H26 for a sample of owner-occupied one-family houses, condominiums, and mobile homes. Selected monthly owner costs is the sum of payments for mortgages, deeds of trust, contracts to purchase, or similar debts on the property (including payments for the first mortgage, second or junior mortgages, and home equity loans); real estate taxes; fire, hazard, and flood insurance on the property; utilities (electricity, gas, and water); and fuels (oil, coal, kerosene, wood, etc.). It also includes, where appropriate, the monthly condominium fee for condominiums and mobile home costs (personal property taxes, site rent, registration fees, and license fees) for mobile homes.

In certain tabulations, selected monthly owner costs are presented separately for specified owner-occupied housing units (owner-occupied one-family houses on fewer than 10 acres without a business or medical office on the property), owner-occupied condominiums, and owner-occupied mobile homes. Data usually are shown separately for units "with a mortgage" and for units "not mortgaged."

Median Selected Monthly Owner Costs

This measure is rounded to the nearest whole dollar.

Comparability

The components of selected monthly owner costs were collected for the first time in 1980. The 1990 tabulations of selected monthly owner costs for specified owner-occupied housing units are virtually identical to 1980, the primary difference was the amounts of the first and second mortgages were collected in separate questions in 1990, while the amounts were collected in a single question in 1980. The component parts of the item were tabulated for mobile homes and condominiums for the first time in 1990.

In 1980, costs for electricity and gas were collected as average monthly costs. In 1990, all utility and fuel costs were collected as yearly costs and divided by 12 to provide an average monthly cost.