The list of MSAs, states, counties, tracts, MSA family incomes, tract
family incomes, tract income levels, and income percentages generated
using 2006-2010 ACS data is available on the FFIEC website. Click
here to download this list.
Click here to download the
list of MSAs, states, counties, and tracts not including income information.
2012 Census including demographic data will be released in June 2012 and will
be based on the 2006-2010 5-year estimate American Community Survey and Census
2010 SF1.
The 2012 Census Reports use a limited number of demographic, income, population,
and housing data from the FFIEC's 2012 Census file prepared for HMDA and CRA data.
It is important to note the 2012 data reflect the Office of Management and Budget's
(OMB) new geographic classifications that were released in June 2003 and updated in
December 2003, which significantly changed the way metropolitan areas are defined.
Unless specifically noted each item of data on these pages is from 2010 ACS or
Census 2010 SF1.
The FFIEC updates the Census Windows Application annually to reflect changes to
MSAMD boundaries announced by the OMB, include income estimates developed by the
Federal Financial Institutions Examination Council (FFIEC), and include CRA distressed/underserved
tracts as announced by the federal bank regulatory agencies. In addition to including
a database that individuals can use to analyze the data, this software contains
a larger selection of census information and the ability to subset the data by state,
MSA/MD, or county and then view, print, and/or export the data.
Tract Income Level - This corresponds to tract classifications
as defined by the HMDA and CRA regulations. This field is based on the Tract Median
Family Income %:
If the Median Family Income % is < 50% then the Income Level is Low.
If the Median Family Income % is >= 50% and < 80% then the Income Level is
Moderate.
If the Median Family Income % is >= 80% and < 120% then the Income Level is
Middle.
If the Median Family Income % is > =120% then the Income Level is Upper.
If the Median Family Income % is 0% then the Income Level is Not Known.
Distressed or Underserved Tract - A 'Yes' in this column indicates
that the tract is designated as Nonmetropolitan Middle-Income Distressed or Underserved
geography based on criteria designated by federal banking and thrift regulators.
Distressed nonmetropolitan middle-income geographies are those located in
counties with: (1) an unemployment rate of at least 1.5 times the national
average; (2) a poverty rate of 20 percent or more; or (3) a population loss of 5
percentage or more in the 5 year period preceding the most recent decennial
census.
Underserved nonmetropolitan middle-income geographies are those designated with
"urban influence codes" numbered 7, 10, 11, and 12 that are maintained by the Economic
Research Service of the United States Department of Agriculture.
Tract Median Family Income % - This compares the tract level Median
Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2010
Tract MFI by the 2010 MSA/MD MFI. (For tracts located outside of an MSA/MD, the
MFI used in the denominator is the statewide non-MSA/MD MFI.) Go to
Tract Income Level to see how the tracts are grouped based on their Median Family
Income %.
2012 FFIEC Estimated MSA/MD/non-MSA/MD Median Family Income - This
is the estimated Median Family Income as determined by FFIEC for each MSA/MD in the United States and for each state’s
non-MSA/MD area.
2012 Est. Tract Median Family Income - This is the census tract’s
estimated Median Family Income (MFI) for each year, based on the FFIEC estimate for
the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying
the tract’s Median Family Income % by the annual FFIEC MSA/MD MFI.
2010 Tract Median Family Income - This is the census tract’s
Median Family Income based on the 2010 ACS. This field is called Tract Median Fam Inc.
on the Census Windows Application.
Tract Population - This is the census tract’s population based
on the 2010 SF1.
Tract Minority % - This is the percentage of the tract’s total
population minus white alone population according to the 2010 SF1. It is calculated
by dividing the Minority Population by the Tract Population.
Minority Population - This is the census tract’s total population
minus white alone population based on the 2010 SF1.
Owner-Occupied Units - This is the number of housing units that
were lived in by the owner of the unit. This number was determined by the 2010
ACS.
This field is called Tenure Owner Occ Housing Units on the Census Windows Application.
1- to 4-Family Units - This is the number of housing units that
hold less than 5 families. Condominiums, townhouses, single-family homes, mobile
homes, boats, RVs, and vans are
included in this number. Apartment buildings are not included in this number. The
number was determined by the 2010 ACS. This field is called Units Structure 1
to 4 subtotal on the Census Windows Application.
Census Income Information
Tract Income Level - This corresponds to tract classifications
as defined by the HMDA and CRA regulations. This field is based on the Tract Median
Family Income %:
If the Median Family Income % is < 50% then the Income Level is Low.
If the Median Family Income % is >= 50% and < 80% then the Income Level is
Moderate.
If the Median Family Income % is >= 80% and < 120% then the Income Level is
Middle.
If the Median Family Income % is > =120% then the Income Level is Upper.
If the Median Family Income % is 0% then the Income Level is Not Known.
2010 MSA/MD statewide non-MSA/MD Median Family Income -
This is the Median Family Income (MFI) for the MSA/MD in which the tract is located.
If the tract is not in a MSA/MD, this MFI is for all portions of the state not in MSA/MDs.
The values for MSA/MD statewide non-MSA/MD Median Family Income are from the U.S. Census
Bureau's 2010 ACS 5 year estimates. The MSA/MD definitions have not been altered by the
Office of Management and Budget for 2012; they are the same MSA/MD boundaries as used in
the 2011 FFIEC Census.
2012 FFIEC Estimated MSA/MD/non-MSA/MD Median Family Income - This
is the estimated Median Family Income as determined by FFIEC for each MSA/MD in the United States and for each state’s
non-MSA/MD area.
% below Poverty Line - This is the number of people in the tract
living below the poverty level divided by the tract’s total population. This percentage
was determined by the 2010 ACS results and the Census' definition of the poverty
level. This field is called Poverty Level Percent on the Census Windows Application.
Tract Median Family Income % - This compares the tract level Median
Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2010
Tract MFI by the 2010 MSA/MD MFI. (For tracts located outside of an MSA/MD, the
MFI used in the denominator is the statewide non-MSA/MD MFI. This figure is calculated
using incomes from all areas of a state that are not assigned to MSA/MDs.) Go to
Tract Income Level to see how the tracts are grouped based on their Median Family
Income %.
2010 Tract Median Family Income -
This is the census tract’s Median Family Income based on the 2010 ACS. This
field is called Tract Median Fam Inc. on the Census Windows Application.
2012 Est. Tract Median Family Income - This is the census tract’s
estimated Median Family Income (MFI) for each year, based on the FFIEC estimate for
the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying
the tract’s Median Family Income % by the annual FFIEC MSA/MD MFI.
2010 Tract Median Household Income - This is the median income
of all households in the tract based on the 2010 ACS. Whereas a family is defined
as two or more related persons living in the same residence, a household includes
all residences, even those for single people or unrelated groups of two or more.
Census Population Information
Tract Population - This is the census tract’s population based
on the 2010 SF1.
Tract Minority % - This is the percentage of the tract’s total
population minus white alone population according to the 2010 SFI. It is calculated
by dividing the Minority Population by the Tract Population.
Number of Families - This is the number of families in the tract
as determined by the 2010 ACS. A family is defined as two or more related people
living together.
Number of Households - This is the number of households in the
tract as determined by the 2010 ACS. A household is any residence, including
those occupied by single people and unrelated groups of two or more. By definition,
all families are also considered households, but not all households are families.
This field is called HH Inc Total on the Census Windows Application.
Non-Hisp White Population - This is the number of people in the
tract that listed themselves as non-Hispanic white on the 2010 SFI.
Tract Minority Population - This is the census tract’s total population
minus white alone population based on the 2010
SFI.
American Indian Population - This is the number of people in the
tract that listed themselves as non-Hispanic American Indian or Alaskan Native on
the 2010
SFI.
Asian/Hawaiian/Pacific Islander Population - This is the number
of people in the tract that listed themselves as non-Hispanic Asian or Pacific Islander
on the 2010
SFI.
Black Population - This is the number of people in the tract that
listed themselves as non-Hispanic black/African/American on the 2010
SFI.
Hispanic Population - This is the number of people in the tract
that listed themselves as Hispanic only on the 2010
SFI.
Other Population/Two or More Races - This is the number of people
in the tract that listed themselves as non-Hispanic some other race plus two or
more races on the 2010 ACS.
Census Housing Information
Total Housing Units - This is the total number of occupiable housing
units in the tract as determined by the 2010 ACS.
1- to 4-Family Units -
This is the number of housing units that hold less than 5 families.
Condominiums, townhouses, single-family homes, mobile homes, boats, RVs, and
vans are
included in this number. Apartment buildings are not included in this number. The
number was determined by the 2010 ACS. This field is called Units Structure 1
to 4 subtotal on the Census Windows Application.
Median Age of Housing Stock - This is the median age of all housing
units in the tract as determined by the 2010 ACS. Remember that this would be
the median age in 2010 so the median age now would be higher, unless a lot of new
residences have been built since then.
Inside Principal City? - This is a Yes/No indicator of whether
this tract is part of the MSA/MD's principal city. This field is not available
for 2012 but will be available in 2013.
Owner-Occupied Units - This is the number of housing units that
were lived in by the owner of the unit. This number was determined by the 2010 ACS.
This field is called Tenure Owner Occ Housing Units in the Census Windows Application.
Renter-Occupied Units - This is the number of housing units that
are occupied by someone other than the owner. This number was determined by the
2010 ACS. This field is called Tenure Renter Occ Housing Units on the Census Windows Application.
Vacant Units - This is the number of housing units that are not
occupied. This field is called Vac
Status Vacant Housing Units on the Census Windows Application. This number is
not available in the 2010 ACS.
Owner-Occupied 1- to 4-Family Units - This is the number of housing
units that have less than 5 residences and were occupied by the property owner.
It was determined by the 2010 ACS. This field is called Tenure Own Occ 1 to 4
subtotal on the Census Windows Application.
2010
Census Demographic Information
2012 Census including demographic data will be released in June 2012 and will
be based on the 2006-2010 5-year estimate American Community Survey and Census
2010 SF1.
The 2012 Census Reports use a limited number of demographic, income, population,
and housing data from the FFIEC's 2012 Census file prepared for HMDA and CRA data.
It is important to note the 2010 data reflect the Office of Management and Budget's
(OMB) new geographic classifications that were released in June 2003 and updated in
December 2003, which significantly changed the way metropolitan areas are defined.
Unless specifically noted each item of data on these pages is from 2010 ACS or
2010 SF1.
The FFIEC updates the Census Windows Application annually to reflect changes to
MSAMD boundaries announced by the OMB, include income estimates developed by the
Federal Financial Institutions Examination Council (FFIEC), and include CRA distressed/underserved
tracts as announced by the federal bank regulatory agencies. In addition to including
a database that individuals can use to analyze the data, this software contains
a larger selection of census information and the ability to subset the data by state,
MSA/MD, or county and then view, print, and/or export the data.
Tract Income Level - This corresponds to tract classifications
as defined by the HMDA and CRA regulations. This field is based on the Tract Median
Family Income %:
If the Median Family Income % is < 50% then the Income Level is Low.
If the Median Family Income % is >= 50% and < 80% then the Income Level is
Moderate.
If the Median Family Income % is >= 80% and < 120% then the Income Level is
Middle.
If the Median Family Income % is > =120% then the Income Level is Upper.
If the Median Family Income % is 0% then the Income Level is Not Known.
Distressed or Underserved Tract - A 'Yes' in this column indicates
that the tract is designated as Nonmetropolitan Middle-Income Distressed or Underserved
geography based on criteria designated by federal banking and thrift regulators.
Distressed nonmetropolitan middle-income geographies are those located in
counties with: (1) an unemployment rate of at least 1.5 times the national
average; (2) a poverty rate of 20 percent or more; or (3)
a population loss of 5 percentage or more in the 5 year period preceding
the most recent decennial census.
Underserved nonmetropolitan middle-income geographies are those designated with
"urban influence codes" numbered 7, 10, 11, and 12 that are maintained by the Economic
Research Service of the United States Department of Agriculture.
Tract Median Family Income % - This compares the tract level Median
Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2010
Tract MFI by the 2010 MSA/MD MFI. (For tracts located outside of an MSA/MD, the
MFI used in the denominator is the statewide non-MSA/MD MFI.) Go to
Tract Income Level to see how the tracts are grouped based on their Median Family
Income %.
2010 Tract Median Family Income - This is the census tract’s
Median Family Income based on the 2010 ACS. This field is called Tract Median Fam Inc.
on the Census Windows Application.
Tract Population - This is the census tract’s population based
on the 2010 SFI.
Tract Minority % - This is the percentage of the tract’s total
population minus white alone population according to the 2010
SFI. It is calculated
by dividing the Minority Population by the Tract Population.
Minority Population - This is the census tract’s total population
minus white alone population based on the 2010
SFI.
Owner-Occupied Units - This is the number of housing units that
were lived in by the owner of the unit. This number was determined by the 2010
ACS.
This field is called Tenure Owner Occ Housing Units on the Census Windows Application.
1- to 4-Family Units -
This is the number of housing units that hold less than 5 families.
Condominiums, townhouses, single-family homes, mobile homes, boats, RVs, and
vans are
included in this number. Apartment buildings are not included in this number. The
number was determined by the 2010 ACS. This field is called Units Structure 1
to 4 subtotal on the Census Windows Application.
Census Income Information
Tract Income Level - This corresponds to tract classifications
as defined by the HMDA and CRA regulations. This field is based on the Tract Median
Family Income %:
If the Median Family Income % is < 50% then the Income Level is Low.
If the Median Family Income % is >= 50% and < 80% then the Income Level is
Moderate.
If the Median Family Income % is >= 80% and < 120% then the Income Level is
Middle.
If the Median Family Income % is > =120% then the Income Level is Upper.
If the Median Family Income % is 0% then the Income Level is Not Known.
2010 MSA/MD statewide non-MSA/MD Median Family Income -
This is the Median Family Income (MFI) for the MSA/MD in which the tract is located.
If the tract is not in a MSA/MD, this MFI is for all portions of the state not in MSA/MDs.
The values for MSA/MD statewide non-MSA/MD Median Family Income are from the U.S. Census
Bureau's 2010 ACS 5 year estimates. The MSA/MD definitions have not been altered by the
Office of Management and Budget for 2012; they are the same MSA/MD boundaries as used in
the 2011 FFIEC Census.
% below Poverty Line - This is the number of people in the tract
living below the poverty level divided by the tract’s total population. This percentage
was determined by the 2010 ACS results and the Census' definition of the poverty
level. This field is called Poverty Level Percent on the Census Windows Application.
Tract Median Family Income % - This compares the tract level Median
Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2010
Tract MFI by the 2010 MSA/MD MFI. (For tracts located outside of an MSA/MD, the
MFI used in the denominator is the statewide non-MSA/MD MFI. This figure is calculated
using incomes from all areas of a state that are not assigned to MSA/MDs.) Go to
Tract Income Level to see how the tracts are grouped based on their Median Family
Income %.
-
This is the census tract’s Median Family Income based on the 2010 ACS. This
field is called Tract Median Fam Inc. on the Census Windows Application.
2010 Tract Median Household Income - This is the median income
of all households in the tract based on the 2010 ACS. Whereas a family is defined
as two or more related persons living in the same residence, a household includes
all residences, even those for single people or unrelated groups of two or more.
Census Population Information
Tract Population - This is the census tract’s population based
on the 2010 SF1.
Tract Minority % - This is the percentage of the tract’s total
population minus white alone population according to the 2010
SF1. It is calculated
by dividing the Minority Population by the Tract Population.
Number of Families - This is the number of families in the tract
as determined by the 2010 ACS. A family is defined as two or more related people
living together.
Number of Households - This is the number of households in the
tract as determined by the 2010 ACS. A household is any residence, including
those occupied by single people and unrelated groups of two or more. By definition,
all families are also considered households, but not all households are families.
This field is called HH Inc Total on the Census Windows Application.
Non-Hisp White Population - This is the number of people in the
tract that listed themselves as non-Hispanic white on the 2010
SF1.
Tract Minority Population - This is the census tract’s total population
minus white alone population based on the 2010
SF1.
American Indian Population - This is the number of people in the
tract that listed themselves as non-Hispanic American Indian or Alaskan Native on
the 2010
SF1.
Asian/Hawaiian/Pacific Islander Population - This is the number
of people in the tract that listed themselves as non-Hispanic Asian or Pacific Islander
on the 2010
SF1.
Black Population - This is the number of people in the tract that
listed themselves as non-Hispanic black/African/American on the 2010
SF1.
Hispanic Population - This is the number of people in the tract
that listed themselves as Hispanic only on the 2010
SF1.
Other Population/Two or More Races - This is the number of people
in the tract that listed themselves as non-Hispanic some other race plus two or
more races on the 2010
SF1.
Census Housing Information
Total Housing Units - This is the total number of occupiable housing
units in the tract as determined by the 2010 ACS.
1- to 4-Family Units - This is the number of housing units that
hold less than 5 families. Condominiums, townhouses, and single-family homes are
included in this number. Apartment buildings are not included in this number. The
number was determined by the 2010 ACS. This field is called Units Structure 1
to 4 subtotal on the Census Windows Application.
Median Age of Housing Stock - This is the median age of all housing
units in the tract as determined by the 2010 ACS. Remember that this would be
the median age in 2010 so the median age now would be higher, unless a lot of new
residences have been built since then.
Inside Principal City? - This is a Yes/No indicator of whether
this tract is part of the MSA/MD's principal city.
Owner-Occupied Units - This is the number of housing units that
were lived in by the owner of the unit. This number was determined by the 2010 ACS.
This field is called Tenure Owner Occ Housing Units in the Census Windows Application.
Renter-Occupied Units - This is the number of housing units that
are occupied by someone other than the owner. This number was determined by the
2010 ACS. This field is called Tenure Renter Occ Housing Units on the Census Windows Application.
-
This is the number of housing units that are not occupied. This field is called Vac
Status Vacant Housing Units on the Census Windows Application. This number is
not available in the 2010 ACS.
Owner-Occupied 1- to 4-Family Units - This is the number of housing
units that have less than 5 residences and were occupied by the property owner.
It was determined by the 2010 ACS. This field is called Tenure Own Occ 1 to 4
subtotal on the Census Windows Application.
2000 Census Demographic Information
Each census report contains the primary census data that the FFIEC uses to create
the CRA and HMDA aggregate and disclosure reports as well as some additional commonly
requested census fields used by the public in data analysis. The reports' demographic
information, including income, population, and housing data is being obtained from
three files: the 2000 Census data; the annual MA boundary definitions from the Office
of Management and Budget (OMB); and the annual United States Department of Housing
and Urban Development (HUD) Median Family Incomes. Unless specifically noted, each
item of data on these pages is from the 2000 Census.
If a tract is split between two or more MAs, or between one or more MAs and non-MA
areas, it is referred to as a split tract. If only one tract is selected when choosing
the geographical criteria and it is a split tract, you will be asked to specify
the MA. If multiple tracts are selected when choosing the geographical criteria
and one or more of the tracts are split tracts, the split tracts will be identified
with a footnote (1) indicator.
Note: If more in-depth data analysis is needed, you may
wish to obtain the FFIEC Census Data CD-ROM. Refer to the CRA/HMDA Data Order Form
for Census CD-ROM availability, possible associated cost, and media type information.
The FFIEC updates the CD-ROM annually to reflect changes to MA boundaries announced
by OMB, and income estimates developed by HUD. In addition to including a database
that purchasers can use to analyze the data, this software contains a larger selection
of census information and the ability to subset the data by state, MA, or county
and then view, print, and/or export the data.
Tract Income Level - This corresponds to tract classifications
as defined by the HMDA and CRA regulations. This field is based on the Tract Median
Family Income %:
If the Median Family Income % is < 50% then the Income Level is Low.
If the Median Family Income % is >= 50% and < 80% then the Income Level is
Moderate.
If the Median Family Income % is >= 80% and < 120% then the Income Level is
Middle.
If the Median Family Income % is > =120% then the Income Level is Upper.
If the Median Family Income % is 0% then the Income Level is Not Known.
Tract Median Family Income % - This compares the tract level Median
Family Income (MFI) to the MA level MFI. It is calculated by dividing the 2000 Tract
MFI by the 2000 MA MFI. (For tracts located outside of an MA, the MFI used in the
denominator is the statewide non-MA MFI. This figure is calculated using incomes
from all areas of a state that are not assigned to MAs.) Go to Tract Income Level
to see how the tracts are grouped based on their Median Family Income %.
2000 Tract Median Family Income - This is the census tract’s Median
Family Income based on the 2000 Census. This field is called Tract Median Fam Inc
on the CD-ROM.
Tract Population - This is the census tract’s population based
on the 2000 Census.
Tract Minority % - This is the percentage of the tract’s total
population minus white alone population according to the 2000 Census. It is calculated
by dividing the Minority Population by the Tract Population.
Minority Population - This is the census tract’s total population
minus white alone population based on the 2000 Census.
Owner-Occupied Units - This is the number of housing units that
were lived in by the owner of the unit. This number was determined by the 2000 Census.
This field is called Tenure Owner Occ Housing Units on the CD-ROM.
1- to 4-Family Units - This is the number of housing units that
hold less than 5 families. Condominiums, townhouses, and single-family homes are
included in this number. Apartment buildings are not included in this number. The
number was determined by the 2000 Census. This field is called Units Structure 1
to 4 subtotal on the CD-ROM.
Census Income Information
Tract Income Level - This corresponds to tract classifications
as defined by the HMDA and CRA regulations. This field is based on the Tract Median
Family Income %:
If the Median Family Income % is < 50% then the Income Level is Low.
If the Median Family Income % is >= 50% and < 80% then the Income Level is
Moderate.
If the Median Family Income % is >= 80% and < 120% then the Income Level is
Middle.
If the Median Family Income % is > =120% then the Income Level is Upper.
If the Median Family Income % is 0% then the Income Level is Not Known.
2000 MA/statewide non-MA Median Family Income - This is the Median
Family Income (MFI) of the MA that the tract is based on the 2000 Census. If the
tract is not in a MA, this MFI is for all portions of the state not in MAs.
% below Poverty Line - This is the number of people in the tract
living below the poverty level divided by the tract’s total population. This percentage
was determined by the 2000 Census results and the Census' definition of the poverty
level. This field is called Poverty Level Percent on the CD-ROM.
Tract Median Family Income % - This compares the tract level Median
Family Income (MFI) to the MA’s MFI. It is calculated by dividing the 2000 Tract
MFI by the 2000 MA MFI. (For tracts located outside of an MA, the MFI used in the
denominator is the statewide non-MA MFI. This figure is calculated using incomes
from all areas of a state that are not assigned to MAs.) Go to Tract Income Level
to see how the tracts are grouped based on their Median Family Income %.
2000 Tract Median Family Income - This is the census tract’s Median
Family Income based on the 2000 Census.
2000 Tract Median Household Income - This is the median income
of all households in the tract based on the 2000 Census. Whereas a family is defined
as two or more related persons living in the same residence, a household includes
all residences, even those for single people or unrelated groups of two or more.
Census Population Information
Tract Population - This is the census tract’s population based
on the 2000 Census.
Tract Minority % - This is the percentage of the tract’s total
population minus white alone population according to the 2000 Census. It is calculated
by dividing the Minority Population by the Tract Population.
Number of Families - This is the number of families in the tract
as determined by the 2000 Census. A family is defined as two or more related people
living together.
Number of Households - This is the number of households in the
tract as determined by the 2000 Census. A household is any residence, including
those occupied by single people and unrelated groups of two or more. By definition,
all families are also considered households, but not all households are families.
This field is called HH Inc Total on the CD-ROM.
Non-Hisp White Population - This is the number of people in the
tract that listed themselves as non-Hispanic white on the 2000 Census.
Tract Minority Population - This is the census tract’s total population
minus white alone population based on the 2000 Census.
American Indian Population - This is the number of people in the
tract that listed themselves as non-Hispanic American Indian or Alaskan Native on
the 2000 Census.
Asian/Hawaiian/Pacific Islander Population - This is the number
of people in the tract that listed themselves as non-Hispanic Asian or Pacific Islander
on the 2000 Census.
Black Population - This is the number of people in the tract that
listed themselves as non-Hispanic black/African/American on the 2000 Census.
Hispanic Population - This is the number of people in the tract
that listed themselves as Hispanic only on the 2000 Census.
Other Population/Two or More Races - This is the number of people
in the tract that listed themselves as non-Hispanic some other race plus two or
more races on the 2000 Census. This field is called Nonhisp Combo Other Race Pop
on the CD-ROM.
Census Housing Information
Total Housing Units - This is the total number of occupiable housing
units in the tract as determined by the 2000 Census.
1- to 4-Family Units - This is the number of housing units that
hold less than 5 families. Condominiums, townhouses, and single-family homes are
included in this number. Apartment buildings are not included in this number. The
number was determined by the 2000 Census. This field is called Units Structure 1
to 4 subtotal on the CD-ROM.
Median Age of Housing Stock - This is the median age of all housing
units in the tract as determined by the 2000 Census. Remember that this would be
the median age in 2000 so the median age now would be higher, unless a lot of new
residences have been built since then.
Inside Central City? - This is a Yes/No indicator of whether this
tract is part of the MA’s central city.
Owner-Occupied Units - This is the number of housing units that
were lived in by the owner of the unit. This number was determined by the 2000 Census.
This field is called Tenure Owner Occ Housing Units in the CD-ROM.
Renter-Occupied Units - This is the number of housing units that
are occupied by someone other than the owner. This number was determined by the
2000 Census. This field is called Tenure Renter Occ Housing Units on the CD-ROM.
Vacant Units - This is the number of housing units that are not
occupied. This number was determined by the 2000 Census. This field is called Vac
Status Vacant Housing Units on the CD-ROM.
Owner-Occupied 1- to 4-Family Units - This is the number of housing
units that have less than 5 residences and were occupied by the property owner.
It was determined by the 2000 Census. This field is called Tenure Own Occ 1 to 4
subtotal on the CD-ROM.
1990 Census Demographic Information
Each census report contains the primary census data that
the FFIEC uses to create the CRA and HMDA aggregate and disclosure reports as well
as some additional commonly requested census fields used by the public in data analysis.
The reports' demographic information, including income, population, and housing
data is being obtained from three files: the 1990 Census data; the annual MSA boundary
definitions from the Office of Management and Budget (OMB); and the annual United
States Department of Housing and Urban Development (HUD) Median Family Incomes.
Unless specifically noted, each item of data on these pages is from the 1990 Census.
If a tract is split between two or more MSAs, or between one or more MSAs and non-MSA
areas, it is referred to as a split tract. If only one tract is selected when choosing
the geographical criteria and it is a split tract, you will be asked to specify
the MSA. If multiple tracts are selected when choosing the geographical criteria
and one or more of the tracts are split tracts, the split tracts will be identified
with a footnote(1
) indicator.
Note: If more in-depth data analysis is needed, you may
wish to obtain the FFIEC Census Data CD-ROM. Refer
to the CRA/HMDA Data Order Form for Census CD-ROM availability, possible associated
cost, and media type information. The FFIEC updates the CD-ROM annually to reflect
changes to MSA boundaries announced by OMB, and income estimates developed by HUD.
In addition to including a database that purchasers can use to analyze the data,
this software contains a larger selection of census information and the ability
to subset the data by state, MSA, or county and then view, print, and/or export
the data.
Tract/BNA Income Level - This corresponds to tract classifications
as defined by the HMDA and CRA regulations. The incomes used for these calculations
are the Median Family Incomes from the 1990 Census.
If the Median Family Income % is < 50% then the Income Level is Low.
If the Median Family Income % is >= 50% and < 80% then the Income Level is
Moderate.
If the Median Family Income % is >= 80% and < 120% then the Income Level is
Middle.
If the Median Family Income % is >=120% then the Income Level is Upper.
If the Median Family Income % is 0% then the Income Level is Not Known.
Tract/BNA Median Family Income % - This compares the Tract/BNA’s
Median Family Income (MFI) level to the MSA’s MFI. It is calculated by dividing
the 1990 Tract/BNA MFI by the 1990 MSA MFI. (For Tract/BNAs located outside of an
MSA, the MFI used in the denominator is the Statewide non-MSA MFI. This figure is
calculated using incomes from all areas of a state that are not assigned to MSAs.)
Go to Tract/BNA Income Level to see how the tract/BNAs are grouped based on their
Median Family Income %.
1990 Tract/BNA Median Family Income - This is the Census Tract/BNA’s
Median Family Income based on the 1990 Census.
Tract/BNA Population - This is the Census Tract/BNA’s population
based on the 1990 Census.
Tract/BNA Minority % - This is the percentage of the tract/BNA’s
population that is American Indian, Asian, Black, Hispanic or Other according to
the 1990 Census. It is calculated by dividing the Minority Population by the Tract/BNA
Population.
Minority Population - This is the Census Tract/BNA’s population
of American Indian, Asian, Black, Hispanic or Other non-white people based on the
1990 Census.
Owner-Occupied Units - This is the number of housing units that
were lived in by the owner of the unit. This number was determined by the 1990 Census.
1- to 4-Family Units - This is the number of housing units that
hold less than 5 families. Condominiums, townhouses, and single-family homes are
included in this number. Apartment buildings are not included in this number. The
number was determined by the 1990 Census.
Census Income Information
Tract/BNA Income Level - This corresponds to tract classifications
as defined by the HMDA and CRA regulations. The incomes used for these calculations
are the Median Family Incomes from the 1990 Census.
If the Median Family Income % is < 50% then the Income Level is Low.
If the Median Family Income % is >= 50% and < 80% then the Income Level is
Moderate.
If the Median Family Income % is >= 80% and < 120% then the Income Level is
Middle.
If the Median Family Income % is >=120% then the Income Level is Upper.
If the Median Family Income % is 0% then the Income Level is Not Known.
1990 MSA/statewide non-MSA Median Family Income - This is the median
family income (MFI) of the MSA that the tract/BNA is based on the 1990 Census. If
the tract/BNA is not in a MSA, this MFI is for all portions of the state not in
MSAs.
% below Poverty Line - This is the number of people in the tract/BNA
living below the poverty level divided by the tract/BNA’s total population. This
percentage was determined by the 1990 Census results and the Census' definition
of the poverty level.
Tract/BNA Median Family Income % - This compares the Tract/BNA’s
Median Family Income (MFI) level to the MSA’s MFI. It is calculated by dividing
the 1990 Tract/BNA MFI by the 1990 MSA MFI. (For Tract/BNAs located outside of an
MSA, the MFI used in the denominator is the Statewide non-MSA MFI. This figure is
calculated using incomes from all areas of a state that are not assigned to MSAs.)
Go to Tract/BNA Income Level to see how the tract/BNAs are grouped based on their
Median Family Income %.
1990 Tract/BNA Median Family Income - This is the Census Tract/BNA’s
Median Family Income based on the 1990 Census.
1990 Tract/BNA Median Household Income - This is the median income
of all households in the tract/BNA based on the 1990 Census. Whereas a family is
defined as two or more related persons living in the same residence, a household
includes all residences, even those for single people or unrelated groups of two
or more.
Census Population Information
Tract/BNA Population - This is the Census Tract/BNA’s population
based on the 1990 Census.
Tract/BNA Minority % - This is the percentage of the tract/BNA’s
population that is American Indian, Asian, Black, Hispanic or Other according to
the 1990 Census. It is calculated by dividing the Minority Population by the Tract/BNA
Population.
Number of Families - This is the number of families in the tract/BNA
as determined by the 1990 Census. A family is defined as two or more related people
living together.
Number of Households - This is the number of households in the
tract/BNA as determined by the 1990 Census. A household is any residence, including
those occupied by single people and unrelated groups of two or more. By definition,
all families are also considered households, but not all households are families.
Non-Hisp White Population - This is the number of people in the
tract/BNA that listed themselves as non-Hispanic white on the 1990 Census.
Tract/BNA Minority Population - This is the Census Tract/BNA’s
population of American Indian, Asian, Black, Hispanic or Other non-white people
based on the 1990 Census.
American Indian Population - This is the number of people in the
tract/BNA that listed themselves as non-Hispanic American Indian or Alaskan Native
on the 1990 Census.
Asian Population - This is the number of people in the tract/BNA
that listed themselves as non-Hispanic Asian or Pacific Islander on the 1990 Census.
Black Population - This is the number of people in the tract/BNA
that listed themselves as non-Hispanic black on the 1990 Census.
Hispanic Population - This is the number of people in the tract/BNA
that listed themselves as Hispanic on the 1990 Census, even if they also listed
another race in combination.
Other Population - This is the number of people in the tract/BNA
that listed themselves as non-Hispanic Other on the 1990 Census.
Census Housing Information
Total Housing Units - This is the total number of occupiable housing
units in the tract/BNA as determined by the 1990 Census.
1- to 4-Family Units - This is the number of housing units that
hold less than 5 families. Condominiums, townhouses, and single-family homes are
included in this number. Apartment buildings are not included in this number. The
number was determined by the 1990 Census.
Median Age of Housing Stock - This is the median age of all housing
units in the tract/BNA as determined by the 1990 Census. Remember that this would
be the median age in 1990 so the median age now would be higher, unless a lot of
new residences have been built since then.
Inside Central City? - This is a Yes/No indicator of whether this
tract/BNA is part of the MSA’s central city.
Owner-Occupied Units - This is the number of housing units that
were lived in by the owner of the unit. This number was determined by the 1990 Census.
Renter-Occupied Units - This is the number of housing units that
are occupied by someone other than the owner. This number was determined by the
1990 Census.
Vacant Units - This is the number of housing units that are not
occupied. This number was determined by the 1990 Census.
Owner-Occupied 1- to 4-Family Units - This is the number of housing
units that have less than 5 residences and were occupied by the property owner.
It was determined by the 1990 Census.
