Housing and wealth inequality: Racial-ethnic differences in home equity in the United States
Housing and wealth inequality: Racial-ethnic differences in home equity in the United States
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DOI：
10.1353/dem.2004.0023
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发表时间：
2004-08-01
期刊：
影响因子：
3.5
通讯作者：
Kaufman, RL
中科院分区：
文献类型：
--
作者：
Krivo, LJ;Kaufman, RL
在我们的研究中，我们通过研究美国黑人、西班牙裔、亚洲人和非西班牙裔白人住房公平的差异，迈出了拓宽对住房和财富不平等根源的理解的第一步。利用美国住房调查的数据，我们发现，即使我们控制了广泛的地点、生命周期、社会经济、家庭、移民和抵押贷款特征，黑人和西班牙裔（但不是亚洲人）的住房公平性与白人相比仍存在巨大差距。此外，少数族裔家庭对许多因素的回报明显弱于白人家庭。对于年龄、社会经济地位和住房市场价值的影响，这一发现在不同群体中尤其一致。黑人和西班牙裔人从抵押贷款和住房特征中获得的好处也普遍比白人少。这些发现证实了关于财富和住房不平等的新兴分层观点，该观点承认更广泛的种族民族分层社会和制度进程的重要性，这种分层使某些群体（在本例中为白人）相对于其他群体有利。
In our study, we took a first step toward broadening our understanding of the sources of both housing and wealth inequality by studying differences in housing equity among blacks, Hispanics, Asians, and non-Hispanic whites in the United States. Using data from the American Housing Survey, we found substantial and significant gaps in housing equity for blacks and Hispanics (but not for Asians) compared with whites, even after we controlled for a wide range of locational, life-cycle, socioeconomic, family, immigrant, and mortgage characteristics. Furthermore, the payoffs to many factors are notably weaker for minority than for white households. This finding is especially consistent across groups for the effects of age, socioeconomic status, and housing-market value. Blacks and Hispanics also uniformly receive less benefit from mortgage and housing characteristics than do whites. These findings lend credence to the burgeoning stratification perspective on wealth and housing inequality that acknowledges the importance of broader social and institutional processes of racial-ethnic stratification that advantage some groups, whites in this case, over others.