Category Archives: low and moderate income

Low & Moderate Income Census Tracts; 2017 Update

..  data and tools to analyze characteristics and patterns of census tract geography with a focus on low and moderate income.   See related Web page for more detail.

Of the total 75,883 census tracts for which low and moderate income data were tabulated in the HMDA 2017 data, 6,023 (8.7%) were low income, 16,873 (24.5%) were moderate income, 32,509 (47.1%) were middle income and 19,159 (27.8%) were upper income. See more about these classifications. Find out about your tracts/neighborhoods of interest and how they compare to others using data and tools provided in this section.

Analysis of the low, moderate, middle, and upper income of the 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.

• Use the interactive table below to view, query, compare, sort census tracts.
• Use tract estimates & projections to examine changing characteristics.
– extended demographic-economic measures, annual 2010-2022

Low & Moderate Income by Census Tract
The following view shows census tracts designated as low and moderate income (orange fill pattern) in the the Houston, TX MSA (bold brown boundary) area. These are tracts having income level with codes 1 and 2 in the interactive table. A wide range of market insights can be created zoom-in views for counties, cities and neighborhoods and linking these with other data. Make variations of this view using ProximityOne data and tools described in this section.

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

View similar maps for these areas:
.. Atlanta metro
.. Chicago, IL metro
.. Dallas, TX metro
.. Knoxville, TN metro
.. with drill-down views for Knoxville city
.. Los Angeles, CA metro
.. San Francisco, CA metro

Using the Interactive Table
  – Examining LMI Tracts in Your Metro

Use the interactive table to view, query, sort compare tracts based on various demographic and LMI characteristitcs. The following graphic illustrates how the table can be used to view low and moderate income tracts for the Charlotte, NC-SC metro.
– click ShowAll button below table.
– enter a CBSA code in the edit box at right of Find CBSA LMI>.
– click the Find CBSA LMI button.
Resulting display of Charlotte metro LMI tracts only.

– click graphic for larger view.

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.

Tools to Analyze County Demographic-Economic Characteristics

.. demographic-economic characteristics of counties are essential for business development, market analysis, planning, economic development, program management and general awareness of patterns and trends. This section provides access to data and tools to examine these data for all counties in the U.S. This annual update includes geographic area characteristics based on ACS 2015 data.  The tools/data are organized into four related sections summarized below.

1. General Demographics
View interactive table at http://proximityone.com/us155dp1.htm
Patterns of School Age Population by County
Use GIS tools to visually examine county general demographics as illustrated below. The following view shows patterns of percent population ages 5 to 17 years of age by county — item D001-D004-D018 in the interactive table. Create your own views.

… view developed using the CV XE GIS software.

2. Social Characteristics
View interactive table at http://proximityone.com/us155dp2.htm 
Patterns of Educational Attainment by County
– percent college graduate
Use GIS tools to visually examine county social characteristics as illustrated below. The following view shows patterns of percent college graduate by county — item S067 in the interactive table. Create your own views.

… view developed using the CV XE GIS software.

3. Economic Characteristics
View interactive table at http://proximityone.com/us155dp3.htm 
Patterns of Median Household Income by County
Use GIS tools to visually examine county economic characteristics as illustrated below. The following view shows patterns median household income by county — item E062 in the interactive table. Create your own views.

… view developed using the CV XE GIS software.

4. Housing Characteristics
View interactive table at http://proximityone.com/us155dp4.htm 
Patterns of Median Housing Value by County
Use GIS tools to visually examine county housing characteristics as illustrated below. The following view shows patterns median housing value by county — item E062 in the interactive table. Create your own views.

… view developed using the CV XE GIS software.

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.

Tip of the Day — Census Tract Data Analytics

.. tip of the day .. a continuing weekly or more frequent tip on developing, integrating, accessing and using geographic, demographic, economic and statistical data. Join in .. tip of the day posts are added to the Data Analytics Blog on an irregular basis, normally weekly. Follow the blog to receive updates as they occur.

This section is focused on tools and methods to access and use census tract demographic-economic measures. Median household income ($MHI), median housing value ($MHV) and other selected items are used to illustrate operations and options.

This section illustrates use of census tract data from the 2014 American Community Survey (ACS1014) 5-year estimates. These are the most comprehensive demographic-economic data from the Census Bureau at the census tract level. These “5-year estimates” are centric to mid-2012. See more about 2010-2021 annual estimates and projections.

Methods described here apply to many other geographies; see related tip sections. See related section on ZIP code applications.

Five data access and use options are reviewed. Each method illustrates how $$MHI, $MHV and other data can be analyzed/used in different contexts.

Option 1 – View the data as a thematic pattern map.
Option 2 – View, compare, rank query data in interactive tables.
Option 3 – Access data using API Tools; create datasets.
Option 4 – View $MHI in structured profile in context of related data.
Option 5 – Site analysis – view circular area profile from a location.

Related sections:
Census tracts main section
Evolution of Census Tracts: 1970-2010
Demographic-Economic Estimates & Projections
Census tract and ZIP code equivalencing
Using census tracts versus ZIP code areas
Single year of age demographics

Option 1. View the data as a thematic pattern map; use the GIS tools:
Patterns of Economic Prosperity ($MHI) by Census Tract … the following graphic shows $MHI for a portion of the Los Angeles metro. Accommodating different demographic-economic thresholds/patterns, different legend color/data intervals are used. The pattern layer is set to 80% transparency enabling a view of earth features. Click graphic for larger view, more detail and legend color/data intervals; expand browser window for best quality view.

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

See details about each option in the related Web page.

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.

Low & Moderate Income Area Analysis

GIS tools and data resources enable easier and more comprehensive mapping, geospatial and demographic analysis of census tract geography to examine low and moderate income (LMI) area pattern and characteristics.  Resources are reviewed in this section to analyze LMI data by census tract.  Though focused on LMI applications, the resources may be applied to a much broader set of census tract mapping and demographic-economic pattern analysis.

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 widely used in many other applications as a measure of economic prosperity. The HUD Community Development Block Grant (CDBG) program seeks to expand economic opportunities for LMI areas. Of the 72,581 Census 2010 census tracts (U.S. and Puerto Rico), 5,588 are designated low income and 15,998 are designated as moderate income based on 2013 HMDA designations.

Use tools described in detail at http://proximityone.com/tractslmi.htm to analyze LMI areas of interest. Optionally set your own designations of LMI.

The following view shows a thematic pattern map of census tracts by low and moderate income status in the Houston, Texas area (red: low; orange: moderate). In this section we will review how, in just a few steps, you can develop maps like this one for your areas of interest, and others with further drill-down and labeling, using ProximtyOne no-fee resources. These resources enable national scale applications and include all Census 2010 census tracts.

We have integrated HMDA “Census 2013” data with American Community Survey demographic-economic data into a U.S. national scope shapefile. It has been made a part of a ready-to-use GIS project. See details and additional details.