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The Scorecard assesses the 50 states and the District of Columbia on 92 outcome and policy measures. These measures are grouped into five issue areas: Financial Assets & Income, Businesses & Jobs, Housing & Homeownership, Health Care, and Education. All the data is collected from the latest available data sources and compiled by CFED. For more on the methodology, click here.

Housing & Homeownership

Housing & Homeownership

Are housing and homeownership contributing to the wealth creation of residents, or impeding it?

Even in today’s tough housing market, the home represents the single largest component of household wealth and is a fundamental asset for millions of Americans. For those who are not ready or able to buy a home, access to affordable, high-quality rental housing is essential. Many renters of limited means are forced to accept substandard or unsafe living conditions in order to find housing that they can afford. Whether owning or renting, having a safe, affordable place to live provides physical and financial security. Yet all too often, affordability is out of reach. More than 37% of homeowners and 45% of renters in the United States are “cost-burdened,” meaning they spend more than one-third of their income on housing costs.

Outcome Measures

Policy Measures


Homeownership Rate
Homeownership by Race
Homeownership by Income
Homeownership by Gender
Foreclosure Rate
High-Cost Mortgage Loans
Mortgage Debt as % of Home Value
Affordability of Homes
Housing Cost Burden - Homeowners
Housing Cost Burden - Renters

Policy Priorities
Predatory Mortgage Lending Protection
Housing Trust Fund
1st Time Homebuyer Assistance

Additional Policies
Preservation of Affordable Rental Housing
Property Tax Relief
Foreclosure Protections
Resident Ownership of Manufactured Housing Communities

Innovation Policies
Manufactured Housing
Shared Equity Homeownership