Housing Equity

Posted By: Emma Carrasco Advocacy Resources,

Coalition for Home Repair members have helped more than 21,000 Black or African American, Hispanic, or minority homeowners with low incomes access safe and healthy homes. 

In alignment with our goals to expand access to home repair programs nationwide, this toolkit is available at no cost to home repair nonprofits, community leaders, and partners. 

Fast Facts: Racial Disparities in Home Ownership & Improvement

  • As of 2021, Black homeowners live in inadequate homes at nearly double the rate of white homeowners, with 5.7 percent of Black homeowners living in these homes. (See Figure 1 below).
    • The same report highlights that Black homeowners have the highest average annual utility cost burden (6.6%-Black compared to 4.9%-White).
  • Even after controlling for household, property, and neighborhood characteristics, Black, Hispanic, and other nonwhite homeowners still have lower-value homes.
    • The same report: race and physical condition remained significant factors influencing a property's value, with Black households and homes in poor condition associated with lower property values (Neal et al, 2021).
  • According to Urban Institute, approximately 76 percent of Hispanic households, 69 percent of Black households and 56 percent of Other households of color that own real estate do not have a will or trust.
  • Research shows that lenders deny manufactured home loans to Black applicants at much higher rates than White applicants, blocking many Black buyers from accessing one of the nation's most affordable homeownership options.

Figure 1. Share of Homeowners Living in Inadequate Housing by Race (Urban Institute)

Research Leaders & Databases

Our go-to databases for grant writing research, advocacy, or staying informed:

Click to expand a resource and learn more.

Date: January 2025

Key Topic: Equity

Type: Article

Source Credit: NY Times

 Prospective Heirs’ Property among Older Homeowners

File Type: Web page

Description: Covers the devastating impact of the Eaton fire in Altadena, CA, particularly on its historic Black community, where residents face the loss of homes and generational wealth in a neighborhood that once represented middle-class prosperity for Black families.

Date: October 2024

Key Topic: Equity, Heirs' Property

Type: Article

Source Credit: Urban Institute

 Prospective Heirs’ Property among Older Homeowners

File Type: PDF

Description: The challenges of heirs' property, particularly among older homeowners of color, highlighting the risks of property loss due to unclear ownership transfers and the lack of estate planning.

Date: February 2024

Key Topic: Equity, Financing, Housing Policy

Type: Issue Brief

Source Credit: Pew Charitable Trusts

 FHA Loan Programs Do Not Reach Black Buyers of Manufactured Homes

File Type: Web page

Description: The challenges Black buyers face in securing financing for manufactured homes, highlighting disparities in loan denial rates and suggesting policy changes to improve access to affordable homeownership.

Date: February 2024

Key Topic: Equity

Type: Blog Post

Source Credit: Coalition for Home Repair

 Blog Post: An Equity Lens on Home Repair

File Type: Web page

Description: Inequities that Black households continue to face in their housing journey and steps that the Coalition for Home Repair is taking towards ensuring all homeowners can fully enjoy the advantages of homeownership. 

Date: January 2024

Key Topic: Equity, Housing & Health & Wealth

Type: Research Report

Source Credit: Urban Institute

 Report: Implications of Housing Conditions for Racial Wealth and Health Disparities

File Type: PDF

Description: The impact of poor housing conditions on health and household wealth, particularly for Black families.

Date: November 2021

Key Topic: Equity

Type: Research Report

Source Credit: Urban Institute

 Report: Why Do Households of Color Own Only a Quarter of the Nation’s Housing Wealth When They Compose a Third of the Nation’ s Households?

File Type: PDF

Description: The disparities in homeownership and home values across racial and ethnic groups, highlighting how households of color, even when they achieve homeownership, often own lower-value homes compared to white households, contributing to broader wealth gaps and implications for economic and political power.

On-Demand Webinar: State and Ambition of Home Repair Programs in the U.S.

Overview

As organizations passionate about uplifting the importance of affordable housing and home repair, each through different projects, programs, and methods, we are excited to collaborate on this event to share our collective impact in the home repair field. 

This webinar highlights the unique perspectives and expertise each organization brings to the field of home repair. Although each organization has its own vision, mission, and goals, we're all working towards a better future through home preservation and rehabilitation, and we are stronger together. 

During this webinar, representatives from 5 different organizations share an overview on the projects they've been working on with support from the Robert Wood Johnson Foundation. 

Organizations are listed below with their representative and speaking start time.