Category Archives: Maps

Examining HMDA/CRA Census Tract Demographics

.. the ability to effectively analyze low, moderate, middle, and upper income population and households by small area geography is important to housing market stakeholders, lenders, investors, cities/neighborhoods and others. Low and moderate income data by block group and census tract are used for compliance, eligibility determination and program performance in many Federal programs and agencies. See the main Web page for more detail.

This section reviews the scope and use of the FFIEC 2019 HMDA/CRA census tract data (released September 2019). Use the interactive table to view, rank, compare selected items from these updated data for any/all tracts. Use GIS tools with these data to map and geospatially analyze these data as illustrated and further described as illustrated here. See more about banking, CRA and LMI tracts and more about these data.

Visual Analysis of Banks in Context Census Tract Demographics
Click graphic for larger view; expand browser window for best quality view.

– view developed using CV XE GIS and related GIS project.
– install this GIS tool and related GIS project on your computer to examines patterns, market share and more.

Low & Moderate Income Population by Census Tract
Low, moderate, middle, upper income classification by census tract is based on the median family income of a specific census tract relative to the metropolitan statistical area (MSA) or non-MSA area in which the tract is located. The FFIEC data include a “low and moderate income indicator”:
1 – Low — MFI is less than 50% of the MSA/parent area MFI
2 – Moderate — MFI is from 50% to 80% of the MSA/parent area MFI
3 – Middle — MFI is from 80% to 120% of the MSA/parent area MFI
4 – Upper — MFI is 120% or more of the MSA/parent area MFI
0 – NA — MFI is 0 or not available
where MFI is the Median Family Income

Low and moderate income designation is closely associated with implementation of the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA) and is a widely used in many other applications as a measure of economic prosperity.

Using the Interactive Table
Use the interactive table to examine individual tracts or sets of tracts as to their low and moderate income status and related demographics. The following view illustrates use of the table. Clicking buttons below table, this sequence of steps was used to obtain this view:
– click ShowAll
– click “Find CBSA; Low & Mod Tracts”
  >this selects tract in CBSA 26420 (Houston) that are low or mod
– click “Status Cols”
The table refreshes to show 470 tracts that are low/mod in this metro.
Finally, click the column header “Tract MFI %Region” to sort in descending order.

View your areas of interest. Start the steps over and use your CBSA code for a metro of interest.

Bankers Analytics Tools Web Sessions
Join me in a Bankers Analytic Tools Lab session (every Wednesday 3:00 pm ET) to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.
Topics:
• mapping and geospatially analyzing your data with FFIEC data
• tract demographic vintages and trends
• issues regarding MSA/MD vintage, change; about the 2018 vintage CBSAs
• defining and using assessment area geography
• examining the community & neighborhoods in context of assessment areas
• using the FDIC bank location/deposits data with FFIEC/ACS demographics
• using the FFIEC/ACS interactive table below
• alternative methods of accessing census tract ACS data

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

The Local Area Monthly Employment Situation

.. in June 2019, the local area unemployment rate ranged from 1.3% (Lyon County, IA) to 19.6% (Yuma County, AZ) among the lower 48 states. 133 counties had an unemployment rate of 7% or more during June 2018 through June 2019. Over the past year, as shown in the this interactive table, the unemployment rate has generally decreased among all counties. We track the local area employment situation historically and develop alternative scenario projections. See the related Web page for more information.

Patterns of Unemployment Rate by County
The following graphic shows patterns of the estimated June 2019 unemployment rate by county. Use the GIS tools and data to develop variations of this view optionally integrated with other data. Click graphic for larger view. Expand browser window for best quality view.

— view created using the ProximityOne CV XE GIS and associated GIS Project

Examine Areas of Interest
This graphic illustrates the monthly over the year employment situation for the Houston, TX metro using the interactive table.

Click graphic for larger view.

Create a similar table for any metro:
Open the interactive table (green and white table midway down).
Click ShowAll button below table.
Key in a 5-character metro code in edit box at right of FindCBSACode.
    … get from scroll list at upper right of table.
    … e.g., 19100 for Dallas, TX metro.
Click FindCBSACode; table refreshes showing only counties in this metro.
Click Current Situation button below table; table refreshes with selected columns.
Click the Pop2018 column header cell twice to rank-order the columns.
Done .. try these steps for an area of interest.

Demographic-Economic Analytics Web Sessions
Join me in a Demographics Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

Census Tract Demographic-Economic Characteristics & Trends

..  Census tract demographics are used in wide-ranging public and private sector applications to examine patterns and characteristics of sub-county areas. Tract level data from Census 2000Census 2010 and the American Community Survey (ACS) can be used to analyze trade/market areas, neighborhoods and other small area study areas. But what about more current data and trends since 2010? What about business establishment data and other subject matter not included in either the census or ACS data?

There are no current demographic-economic census tract data available from the Census Bureau or other Federal statistical programs. Annually released ACS 5-year estimates are available by census tract but are for 5-year periods and dated. The most recent census tract level ACS data are based on the ACS 2017 5-year estimates (ACS 1317). Those data are not for the year 2017 but estimates for ACS survey respondents for the 5 year period 2013-2017; centric to mid-2015.

Patterns of Median Household Income %Change by Census Tract
The graphic below shows patterns of economic prosperity change based on median household income percent change ACS 2012 to ACS 2017 by tract in the Dallas metro area.

– view developed using ProximityOne CV XE GIS and related GIS project.

Using the Interactive Table
Use the interactive table .. click this link .. to view, query, rank, compare selected characteristics of the population, housing, educational attainment and income for census tracts based on ACS 2012 5-year, and ACS 2017 5-year data. Hundreds of additional items are available. See about related census tract data resources and applications.

Try it yourself ..
Tracts with ACS 2017 population 3,500-4,500 ranked on change in $MHI:
Replicate the following graphic using the interactive table. This view was produced by clicking the Pop17 button below the table to select only tracts with a ACS 2017 population between 3,500 and 4,500. Then the $MHI columns button was clicked to view only selected columns. Finally the qualifying tracts were sorted in descending order by clicking the $MHI Change column header cell.

Based on these estimates, tract 04013105004 in Maricopa County, AZ is top ranked, where the $MHI increased by $97,723 from the ACS 2012 5-year period to the ACS 2017 5-year period.

Corresponding API calls to access the $MHI for this tract (click links to access data):
ACS 2012 $MHIACS 2017 $MHI
Join us in an upcoming Data Analytics Web Session (see below) to learn more about using APIs to access these data and similar data.

Access more detailed ACS 2017 tract interactive tables:
  General demographics .. Social .. Economic .. Housing

Demographic Analytics Web Sessions
Join me in a Demographics Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

State of the States: 2019

.. the State of the States reports and information service provide insights into demographic, economic & business characteristics.  Unique in their composition,  updated daily/weekly, the reports summarize what’s changing where & when and assessing what’s ahead. It organizes disparate Federal statistical data and presents those data in an organized, consumable manner. A resource to help determine how change might affect you, it is an indispensable resource for investors, leaders, policymakers, researchers and decision-makers. See State of the States main section for more information.  Your briefing notes, organized by state.

Some details .. the U.S. economy is slowing, dragged down by trade tensions and weak growth overseas. But there are few signs that the decade-long expansion is on the verge of stalling out. Real Gross Domestic Product (RGDP), the broadest measure of goods and services produced in the economy, rose at a 2.1 percent annual rate in 2019Q2, down from 3.1 percent in 2019Q1, according to preliminary data released by the Bureau of Economic Analysis on 7/26/19.

But what about the states, and what about related measures? In Texas, the 2019Q1 change from 2018Q4 was 5.1 percent annual rate. Texas ranked 2nd among all states. The 2019Q2 state GDP will be posted in section 6.5 on Nov. 7, 2019 (see in scheduled updates). How does Texas compare to other states and the U.S.  Answers are organized in the reports.  Create insights. Share with others.

Part of a multi-dimensional information resource, the state of the states report has been derived from the Situation & Outlook (S&O) database, updated daily. ProximityOne uses the historical S&O database to develop current demographic-economic estimate and projections.

View the U.S. or a State Report .. click a link
.. illustrative reports .. see more about report structure & options in report.
United States
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin

Demographic Analytics Web Sessions
Join me in a Demographics Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

Mapping Census Tracts & Opportunity Zones

.. using the U.S. by census tract shapefile in the CV XE GIS US1 GIS project .. a no fee resource to ProximityOne User Group members (a no cost program, join here) .. view, locate, examine, map, geospatially analyze census tract geodemographics — in context of other geography and subject matter.

Census Tracts in Las Vegas Area

– create this type of map for any area in the U.S.
– use the CV XE GIS software with the default US1 GIS project.
– no cost to ProximityOne User Group members.

Click graphic above for larger view showing zoom-in. Tracts in larger view are labeled with tract code and ACS 2017 total population. See related ACS 2017 census tract interactive table with extended demographics.

The U.S. census tract shapefile has been added to the ProximityOne “US1” GIS project (included with installation). We have made it easy and free to visually locate census tracts of interest and view the boundaries in context of counties and general topology. Install CV XE GIS or run update if already installed. Examining tracts related to the Opportunity Zones? Each tract includes an identifier enabling you to select or find only those tracts.

See step-by step details on using these resources.

Data Analytics Web Sessions
See these applications live/demoed. Run the applications on your own computer.
Join me in a Data Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

Employment by Occupation by Census Tract; 5-Year Trends

.. data and tools to examine patterns of employment by occupation by census tract and 5-year change .. the U.S. civilian employed population increased from 142.9 million in 2012 to 155.1 million in 2017, an increase of 12.1 million (8.5%) based on the American Community Survey (ACS) 1-year estimates. See this table to see how the employed population were distributed by occupation in 2012, 2017 and the 5-year change. How did your neighborhoods or market/service areas of interest change over the past 5 years? How will occupational employment patterns by tract/neighborhood change between now and 2023?

Patterns of Percent Employed in Health Occupations by Census Tract
The following graphic shows patterns of the employed population in health occupations as a percent of total civilian employed population ages 16 and over in the Minneapolis-St. Paul metro. This view uses the occupational category MBSA40 Healthcare practitioners and technical listed in scroll section below. Tracts with blue or green pattern exceed the national average as shown in national table. Click graphic for larger view, more detail (shows schools layer) and legend color/data intervals. This map illustrates the geographic level of detail available using census tract demographics and the relative ease to gain insights using geospatial data analytics tools. View related graphic showing tract with the largest employment in the “Healthcare practitioners and technical” occupational group among all tracts.

– View developed using CV XE GIS and related GIS project.

Drill-down to Census Tract Level
Examining patterns of employment by occupation, for the same scope of subject matter, at the sub-county level can provide more insights. What is the size of the employment for a selected occupation in a neighborhood or market/service area of interest? How has the size of an occupational group by census tract changed over the past five years? How do these patterns rank/compare by tract in a particular state, metro or county? Data on employment by occupational category from the Federal statistical system on a U.S. national scale for counties, cities and census tracts are only available from the American Community Survey (ACS).

Use tools, resources and methods described here to access, integrate and analyze employment by occupation for the U.S. by census tract. Use the interactive table to view, query, rank, compare census tract occupational characteristics, patterns and trends. Data are based on the American Community Survey (ACS) 2017 5-year estimates.

Related sections with census tract interactive tables:
– General Demographics .. Social .. Economic .. Housing 

Current Estimates & Projections
ACS tract/small area estimates lag by four years or more between the current year and reference year. ACS does not produce current year annual estimates but estimates based on a 5-year period. The 2017 ACS estimates are centric to 2015. Use the ProximityOne annual tract estimates and projections 2010 through 2023 for current year (e.g., characteristics as of 2018) estimates and anticipated change 5 years ahead.

Using the Interactive Table
An example of using the interactive table to view, query, rank, compare census tract occupational characteristics, patterns and trends is shown by the graphic presented below. The table shows 6 columns of employment data for all tracts in Harris County, TX. The table is ranked on the ACS 2017 health occupations employment (MBSA40) column. Tract 48-201-312600 had largest ACS 2017 health employment of 1,078 among all tracts in the county. Compare to 2012 patterns. Use settings below table to develop a similar view your geography and occupations of interest.

Occupational Categories
The interactive table includes occupational categories listed below.
Total population
Total Civilian employed population 16 years and over
MBSA00 . Management, business, science, and arts
MBSA10 . . Management, business, and financial
MBSA11 . . . Management
MNSA12 . . . Business and financial operations
MBSA20 . . Computer, engineering, and science
MBSA21 . . . Computer and mathematical
MBSA22 . . . Architecture and engineering
MBSA23 . . . Life, physical, and social science
MBSA30 .. Education, legal, community service, arts, and media
MBSA31 … Community and social service
MBSA32 … Legal
MBSA34 … Education, training, and library
MBSA35 … Arts, design, entertainment, sports, and media
MBSA40 .. Healthcare practitioners and technical
MBSA41 … Health diagnosing & treating practitioners & other tech
MBSA42 … Health technologists and technicians
SVC00 . Service
SVC10 . . Healthcare support
SVC20 . . Protective service
SVC21 . . . Fire fighting/prevention & other protective services
SVC22 . . . Law enforcement workers including supervisors
SVC30 . . Food preparation and serving related
SVC40 . . Building and grounds cleaning and maintenance
SVC50 . . Personal care and service
SOF00 . Sales and office
SOF10 . . Sales and related
SOF20 . . Office and administrative support
NRC00 . Natural resources, construction, and maintenance
NRC10 . . Farming, fishing, and forestry
NRC20 . . Construction and extraction
NRC30 . . Installation, maintenance, and repair
PTM00 . Production, transportation, and material moving
PTM10 . . Transportation
PTM20 . . Material moving

Data Analytics Web Sessions
See these applications live/demoed. Run the applications on your own computer.
Join me in a Data Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

State of the States: 2018 Population & Components of Change

.. Welcome to 2019 .. how the U.S., states and world population are changing … the Census Bureau estimates the U.S. population is 328,231,337 as of January 1, 2019. This represents an increase of 2,013,241, or 0.62 percent, from New Year’s Day 2018 (326,218,096). The population as of Census Day (April 1) 2010, was 308,745,538 and has grown by 19,485,799, or 6.31 percent.

This section updates January 2020, with corresponding 2019 updates and additional details. Follow (click follow button at upper right) to receive updates on this and geographic, demographic and economic change with drill-down to the street intersection level.

In January 2019, the U.S. is expected to experience one birth every 8 seconds and one death every 11 seconds. Meanwhile, net international migration is expected to add one person to the U.S. population every 29 seconds. The combination of births, deaths and net international migration will increase the U.S. population by one person every 19 seconds … one net international migrant every 34 seconds.

The world population on January 1, 2019 is estimated to be 7,541,221,651. The world has experienced a population increase of 96,777,770, or 1.3 percent, from New Year’s Day 2018 (population 7,444,443,881). During January 2019, 4.8 births and 1.9 deaths are expected worldwide every second.

Patterns of Population Change by State, 2010-2018
The following graphic shows patterns of percent population change from 2010 to 2018. Use the associated GIS project to examine different years or subject matter items. Click graphic for larger view; expand browser window for best quality view.

.. view developed with ProximityOne CV XE GIS and related GIS project.

How the U.S. Population is Changing
The following graphic shows how the population of the U.S. has changed from 2010 to 2018 and how the population might change 2019 through 2020. Click graphic for larger view; opens in new page. The population is as of July 1 for each year. The components of change (birth, deaths and migration) are for the period July 1 through June 30 for that year.

Population for each year is computed by the population identity equation:
  P[t]=P[t-1] + B[t,t-1] -D[t,t-1] + M[t,t-1]
Viewing the larger image, see how each of the components of change are impacting the total population and population change.
… see more detail about these data for the U.S. and by state at http://proximityone.com/states2018.htm.

More About Population Trends, Patterns and Characteristics
See more about how population dynamics; use the interactive tables in these sections:
  • School Districts — http://proximityone.com/sdtrends.htm
  • Cities — http://proximityone.com/places2017.htm
  • Counties — http://proximityone.com/countytrends2017.htm
  • Metros — http://proximityone.com/metros.htm
  • States — http://proximityone.com/states2018.htm

Join me in a Data Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.