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Fact File: Fair Housing

Resource Information

Author(s): Merrit Gillard

Date Published: April 2017

File Type: PDF

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Published by CFED

Although explicit housing discrimination has been outlawed for decades, the U.S. housing market continues to put people of color at a disadvantage. The most recent fair housing audit conducted by the U.S. Department of Housing and Urban Development (HUD) in 2012 found that while the most blatant forms of discrimination have decreased, more subtle forms of unequal treatment persist. The differing housing outcomes for White households and households of color have their roots not just in blatant discrimination, but also in the cumulative impact of decades of explicitly racist housing policies and unfair lending practices, the effects of which endure to this day. For example, homeownership rates for Black and Latino households are about 30 percentage points lower than they are for White households, while Black homeowners still don’t earn the same return on their investment as White homeowners do. In addition, two-thirds of Black children grow up in high-poverty neighborhoods, compared to just six percent of White children. Without more aggressive action to eliminate unequal treatment in all parts of the housing market, people of color will continue to miss out on the chance to live in high-opportunity communities and build wealth through homeownership.

CFED Initiative:

Racial Wealth Divide

CFED Archive:

CFED Archive

CFED Archive: Affordable Housing

Issue Areas:

Save: Affordable Rental Housing

Invest: Housing and Homeownership

Cross-Cutting: Policy/Advocacy

Cross-Cutting: Specific Populations

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