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Principal Investigator(s): Garriga, Carlos, Florida State University; Gavin, William T., Federal Reserve Bank of St. Louis; Schlagenhauf, Don, Florida State University
The homeownership rate began to trend upward in 1995 after years of being relatively constant, near 64 percent. This article describes recent changes in the share of United States housing that is owner-occupied and explores the reasons for the surprising rise over the past decade. Explanations that have been offered include demographics, low mortgage rates, changes in housing policy, and innovations in the mortgage financial market. Of all these explanations, the most plausible one is that innovations in the financial markets increased access to mortgage finance, mainly by reducing downpayment constraints and allowing younger people to buy homes.
These data are flagged as replication datasets and are distributed exactly as they arrived from the data depositor. ICPSR has not checked or processed this material. Users should consult the investigator(s) if further information is desired.
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Garriga, Carlos, William T. Gavin, and Don Schlagenhauf. Recent Trends in Homeownership. ICPSR01338-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2006-11-30. http://doi.org/10.3886/ICPSR01338.v1
Persistent URL: http://doi.org/10.3886/ICPSR01338.v1
This study was funded by:
- Federal Reserve Bank of St. Louis. Research Division
Scope of Study
Geographic Coverage: United States
Data Collection Notes:
(1) The file submitted is the data file 0609wgd.xls. (2) These data are part of ICPSR's Publication-Related Archive and are distributed exactly as they arrived from the data depositor. ICPSR has not checked or processed this material. Users should consult the investigators if further information is desired.
Original ICPSR Release: 2006-11-30
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