Key Point

People who are Black own homes at half the rate of people who are White.

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Let’s Break It Down

35% of people who are Black own their own home, compared to 69% of people who are White.

In the Omaha-Council Bluffs metro area, 69% of people who are White (210,093 people), 47% of people who are Hispanic (10,415 people), and 35% of people who are Black (9,305 people) own their own home.

Why Does It Matter?

Disparity in home ownership rates may indicate that systemic inequity exists.

While home ownership isn’t the best choice for every lifestyle, it can be a sign of economic vitality and investment. Barriers to home ownership include credit history, current income, cost of insurance (which may be higher for certain neighborhoods), unpredictable costs of home maintenance, and down payment requirements.

The significant differences among home ownership rates broken by race and ethnicity is a strong indicator that there are inequities present in our region. Our community’s history of how housing, highways, and roadways have been developed have created even greater disparity. While practices of redlining—when banks or other companies, and even the federal government, refused or limited loans based on the racial/ethnic make-up of geographic areas—and discriminatory language within housing deeds is now illegal, the remnants of those practices can still be felt within our community.

How Do We Compare?

We have a lower rate of Black home ownership than the national average.

In the Omaha-Council Bluffs metro, 66% of households own their home and 34% rent. This is on par with the national rates of home ownership at 64% and renting at 36%. However, there are disparities when comparing home ownership rate by race. Nationally, 70% of people who are White, 42% of people who are Black and 46% of people who are Hispanic are homeowners.

Data Source: U.S. Census American Community Survey 2012-2016 5-Year Estimates, Tables B25003A, B25003B, B25003I & B25003 (geographic area includes the Omaha-Council Bluffs MSA, which includes Douglas, Sarpy, Cass, Washington, Saunders, Pottawattamie, Mills & Harrison Counties).

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