Institute of Urban Policy

The State of Black Lives in Texas: Housing

Tue, August 28, 2018
The State of Black Lives in Texas: Housing
The State of Black Lives in Texas: Housing Report explores racial disparities and segregation within the housing market and housing policy throughout Texas and the United States.

Where we live matters. Our access to a quality education, a living wage, food security, and a healthy environment are often predetermined by our zip codes. Yet in Texas and throughout the United States, Black people face consistent discrimination and segregation in the housing market. We believe that segregation and housing instability are not conditions of poverty, but causes of poverty.

IUPRA’s latest State of Black Lives in Texas report uses research to prove this point. This report is the second in a series that looks at various policy issues in Texas through a racial equity lens, with the goal of influencing policymakers to improve the lives of Black people in Texas.

This report looks at the impact of the recession, housing segregation and concentrated poverty, the affordable housing crisis, homelessness, and homeownership barriers, all in regard to Black Texans. The authors provide an analysis of the available data in these areas, followed by key policy recommendations and priorities.

“Fair housing is the antidote for the poison of segregation in America.”
Wade Henderson (2018)

Read or download the report here.

Some key findings included:

  • Black homeowners were the only racial demographic to have a drop in homeownership in the last 12 years, and the current homeownership disparity between Black and White Americans is the greatest it has been since World War II.
  • Most families with housing choice vouchers cannot find affordable housing outside of low-income communities, forcing these people into areas of concentrated poverty, maintaining segregation.
  • More than two million urban Texas households spend 30 percent or more of their income on housing, making them financially burdened by housing costs. Nearly half of those homes spend more than 50 percent of their income on housing.
  • Compared to their representation in Texas’ population, Black Texans are overrepresented among renters who are severely housing cost-burdened (those who spend at least 50% of their income on housing costs).
  • For every 100 extremely low-income renters in 2015 in the U.S., only 35 rental units were affordable at the 30 percent standard; in Dallas and Houston, that number was only 19. Texas’ most populous counties are largely trending toward becoming more expensive over time.
  • Though Black Americans make up 13% of Texas’ population, 38% of the people experiencing homelessness in Texas are Black.
  • As the percentage of Whites in an area increases, so too does the number of bank and credit union branches; these services decrease as populations of color increase. Today, 46% of Black Americans still user alternative or fringe financial services.
  • Black homeseekers have the highest denial rates for both conventional and non-conventional loans, and were denied at rates of 30% (an all-time high) during the recession.

The State of Black Lives in Texas report series examines social issues affecting the Black population in Texas and provides research and policy recommendations to address those issues. The 2018 iteration covers education, income and poverty, housing, health, and criminal justice. Want to be the first to hear when we have events and new reports in the series? Sign up for IUPRA’s newsletter: bit.ly/IUPRA-news.

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