Tag Archives: CV XE GIS

Business Establishment Characteristics by County

.. what are the number and types of businesses underlying county economies of interest? What is the employment size by type of business establishment? What scope of wages, earnings do they contribute? Learn more here.

The pandemic impact on businesses remains in flux .. this post tools and data that can be used to examine pre-pandemic business establishments and employment pattern characteristics by county. By examining pre-pandemic conditions, we can better assess the impact of how and why business, demographic and economic change and impact as we move forward. The magnitude and duration of the impact on businesses will vary by community/area and become more measurable in the months ahead. The “How & Where of Business Establishment/Employment Change” will be updated later in 2020. See related, more detailed web section. See related section focused business establishments by ZIP code.

Where Things are Made by County
The following graphic shows patterns of the number of manufacturing establishments (NAICS 31) by county for the U.S. 48 contiguous states. Inset legend in map view shows number of establishments by interval/color. View/examine all U.S. states and areas using the related GIS project. Create custom maps similar to this view for your regions of interest depicting establishments, employment or payroll for your type of business selection(s). Click graphic for larger view with more detail; expand browser window for best quality view.

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

The above view shows patterns for only one type of business. Data are tabulated more than 2,000 NAICS/type of business codes. These data may be examined by county using the interactive table. Use the GIS tools and related GIS project to develop variations of the views shown here.

Using the Interactive Table
The 10 largest counties based on the number of manufacturing establishments are shown in the static graphic below. Click for larger view.

Use the interactive table to dynamically create similar rankings on employment size or payroll. Set a query for a county, metro or state of interest.

Updates
These data update in June 2020. Follow the blog (click button at upper right) to receive updates.

Learn more — Join us in the Situation & Outlook Web Sessions
Join me in a Situation & Outlook Web Session where we discuss topics relating to measuring and interpreting the where, what, when, how and how much demographic-economic change is occurring and it’s impact.

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.

Financing America’s Schools

.. as we look to restarting America’s economy, the nation’s public school systems face many questions and logistical issues.  Among these issues are a wide range of financial challenges.  Financing America’s public K-12 schools is supported by a mix of Federal, state and local funding.  In FY 2017, 13,311 regular public school districts reported total revenues of $679,925 billion derived from $51,212 billion federal (7.5%), $317,434 billion state (46.7%) and $311,278 billion local (45.8%) sources. These data are based on the school district finances (F-33) program data released by the Census Bureau in May 2019. States and individual school districts vary widely on the make-up/distribution of these federal, state and local sources.  See more about this topic and related K-12 schools topics in the ProximityOne K-12 schools main Web section.

Use tools and data reviewed here to examine K-12 school district finances — sources and uses of funds for FY 2017. View, sort, query, compare school district sources and uses of funds using the interactive table below in this section. Create/view profiles for district(s) of interest.

Data and resources reviewed here update in early May 2020 with new FY 2018 sources and uses of funds data and related school/school district financial data. We examine the implications of COVID-19 for school systems as we look to Restarting the EconomyJoin the User Group to receive updates.

Percent Federal Revenue by School District, FY 2017
The following graphic shows patterns of percent Federal revenue by school district (unified and secondary), FY 2017. Click graphic for larger view. Expand browser to full window for best quality view.

– view developed using ProximityOne CV XE GIS software and related GIS project.
– use these tools on your computer to examine these data & related data.

Percent State Revenue by School District, FY 2017
The following graphic shows patterns of percent State revenue by school district (unified and secondary), FY 2017. Click graphic for larger view. Expand browser to full window for best quality view.

– view developed using ProximityOne CV XE GIS software and related GIS project.
– use these tools on your computer to examine these data & related data.

Interactive Table
The following static graphic shows the 10 Texas school districts having the largest Federal revenue. Sources of Federal revenue by program are also shown. Create views like this for any of the sources and uses of funds items for your selection of school districts. Use the interactive table (separate page) for dynamic analysis of individual school districts in context of U.S. overall, states or metros. Select by state or metro and rank based on any of several selected revenue by source and per student expenditure by category.


– click graphic for larger view

Situation & Outlook Web Sessions
Join me in a Situation & Outlook Web Session where we discuss topics relating to measuring and interpreting the where, what, when, how and how much demographic-economic change is occurring and it’s impact.

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 2020 Residential Address Counts by Block

.. using Census 2020 residential address count data to examine change since 2010 .. the Census Bureau has released preliminary Census 2020 residential address counts by Census 2010 census block. These data, count of residential addresses and group quarters addresses, reflect updates as of October 2019 and do not represent final Census 2020 counts. The data will continue to be updated to support Census 2020. See related Web section with more detail and updates.

Importance and Use
These data are of immediate value in determining and analyzing how the number of housing units have changed, 2010 to 2019. Since the data are at the census block level, they may be aggregated to any other Census-defined summary level/type of geographic area such as block group, tract, ZIP code, city, county, school district, etc. These data are also important as they give us a “year in advance look” at how small area demographics are changing since 2010. Before this, the most recent census block data were from Census 2010. A lot has happened in many areas. These data provide insights into that change. The Census 2020 block level data will be released in early 2021 for Census 2020 census block geography. So, another important feature of these data is that they are summarized for Census 2010 census block boundaries. Census 2010 and 2020 block boundaries may differ, particularly in areas experiencing larger demographic growth/change. An important limitation is that they are counts, subject to change as the Census data are collected/tabulated.

Comparing Census 2010 Housing Units with Census 2020 Address Counts
The following graphic shows patterns of Census 2010 housing counts with the Census 2020 (late 2019 vintage) residential address counts by census block. This view is focused on census tract 3608100700 (tract 000700) in Queens County, NY (code shown near center of graphic). Individual blocks are labeled with block code (4 digits) with the Census 2010 housing units (yellow label) and Census 2020 residential address count (green label) shown below the block code. As an example, the block located at the pointer has block code 3006 (or full national scope unique block code 36-081-00700-3006) with a Census 2010 count 44 housing units and a Census 2020 (late 2019 count) of 232 residential addresses. Click graphic for larger view. Expand browser window to full screen for best quality view.

.. view created with ProximityOne CV XE GIS software and related GIS project.

More About Using these Data
We have summarized these data at the census tract level and are evaluating their use, in combination with other data, to develop current estimates and projections to 2025.

Data 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.

Relating ZIP Codes and Census Tracts

.. what census tracts intersect with a ZIP code of interest? There are many reasons for the underlying the need to convert/equivalence ZIP codes to/from census tracts. Some organizations have to provide census tract codes for addresses/ZIP codes of clients to be in compliance with a law or regulation. Some organizations have addresses/ZIP codes of clients/locations for which they would like to determine the corresponding census tract codes to analyze census tract demographics. This post reviews tools and options for these operations. See related Web section to access interactive table and learn more about mapping and geospatially relating these two geographies.

Phoenix/Scottsdale, AZ ZIP Code-Census Tract Relationship
The following graphic illustrates the relationship between ZIP code area 85258 (orange fill pattern) with census tracts (green boundaries and geocode labels).
(StCtyTract=04013216813).
.. view created with ProximityOne CV XE GIS software and related GIS project.

Create your own maps of areas relating ZIP codes and census tract, in context of other geography. Use the CV XE GIS with shapefiles.

Using the Interactive Table
Use the ZIP code to census tract interactive table (opens new page) to answer questions such as:
• Which census tracts intersect with a ZIP code of interest?
• Which ZIP code(s) intersect with census tract(s) of interest?
• What is the Census 2010 population for a census tract and ZIP code combination?

The interactive equivalence/look-up table shows a row for each unique combination of a Census 2010 ZIP code area and Census 2010 census tract. The start-up view is sorted on the State-County-Tract column (StCtyTract). View ZIP codes in one state using the State selection button. To locate a ZIP code of interest, either use the Find ZIP query or sort on the ZIP code column and then scroll down the table until the ZIP of interest is located.

Example. Click Find ZIP button using the interactive table (opens new page) to view only the tracts intersecting with ZIP code 85258 (as shown in map view above). The Location 1 marker (see pointer in map) is located in the area intersecting ZIP code 85258 and census tract 2168.13. The refreshed table view is shown by the graphic below. There are nine tracts intersecting with this ZIP code; see the tract codes in the table.

Try this for a ZIP of interest:
• View the interactive table (opens new page).
• Click the Showall button below table.
• Key in your 5-digit ZIP code in edit box where 85258 now shows.
• Click Find ZIP button.
• Table refreshes showing only tracts intersecting with this ZIP code.

Scope of Tracts and ZIPs in Table
There are 150,806 rows in the table, each showing a unique combination of a census tract (73,057 Census 2010 tracts) and ZIP code area (33,120 Census 2010 ZCTAs). Each row represents an intersection of the specified census tract and ZIP code area and corresponds to a geographic area of one census block or more. The total population and housing units values have been derived by summing component census block values. The sum of the population column is 308,745,538, the United States Census 2010 total population.

Situation & Outlook Weekly Web Sessions
Join me in a Situation & Outlook web session to discuss more details about demographic-economic estimates and projections.

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.

Neighborhood Median Family Income: Measuring Economic Well-Being

.. Median Family Income ($MFI) and Median Household Income ($MHI) are two measures of economic well-being. Based on the 2018 American Community Survey 1-year (ACS) data, the U.S. 2018 $MFI was estimated to be $76,401 while the $MHI was estimated to be $61,937 .. both in 2018/current dollars. Create insights into patterns of well-being by neighborhood using geospatial analysis. $MFI patterns are illustrated by the following thematic pattern map.

Patterns of Economic Prosperity by Neighborhood/Census Tract
The following view shows patterns of $MFI by census tract for the inner beltway area of Houston/Harris County, TX. Income interval color patterns are shown in the inset legend. Tracts are labeled with $MFI. Click graphic for larger view. Expand browser window for best quality view. Larger view shows tracts labeled with tract code. It is easy to see how west Houston and east Houston areas differ.

– view developed with ProximityOne CV XE GIS software and related GIS project.
– these $MFI data are based on the 2018 ACS 5-year estimates.

This section focuses on $MFI but could just as well focus on $MHI and yet other related income measures. $MFI will almost always be greater that $MHI, generally by a large margin. See the U.S. 2018 $MFI and $MHI in context of related demographic-economic measure here. See more about the distinctions/definitions of families and and households below.

The ACS data are a unique source of income and related data at the neighborhood or sub-county level. View more about accessing and using the 2018 ACS 5-year estimates.

Family Definition
A family is a group of two people or more (one of whom is the householder) related by birth, marriage, or adoption and residing together; all such people (including related subfamily members) are considered as members of one family. The number of families is equal to the number of family households. However, the count of family members differs from the count of family household members because family household members include any non-relatives living in the household.

Related … an unmarried partner, also known as a domestic partner, is specifically defined as a person who shares a close personal relationship with the reference person. … Same-sex unmarried-partner families or households – reference person and unmarried partner are both male or female.

Household Definition
A household consists of all the people who occupy a housing unit. A house, an apartment or other group of rooms, or a single room, is regarded as a housing unit when it is occupied or intended for occupancy as separate living quarters; that is, when the occupants do not live with any other persons in the structure and there is direct access from the outside or through a common hall.

A household includes the related family members and all the unrelated people, if any, such as lodgers, foster children, wards, or employees who share the housing unit. A person living alone in a housing unit, or a group of unrelated people sharing a housing unit such as partners or roomers, is also counted as a household. The count of households excludes group quarters. There are two major categories of households, “family” and “nonfamily”.

Situation & Outlook Weekly Web Sessions
Join me in a Situation & Outlook web session to discuss more details about demographic-economic estimates and projections.

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.

Examining How Metro GDP is Changing

.. which metros had the largest 2018 real GDP? How did they change since 2010? How to they compare on a per capita basis? What about metros of interest to you? Read on …

As an investor, business or stakeholder in a metro, it is important to know how and where the economy is changing … and how one or selected metros relate to the U.S. and other metros. Is metro X changing in a different direction than metro Y? By how much, why and is there a pattern? What does the healthcare sector, for example, contribute to a metro’s gross domestic product (GDP)? How does it compare to peer metros? How is the healthcare industry trending? Metro GDP data can provide insights and answers to these important questions.  See related main Web page.

In 2018, per capita real gross domestic product (GDP) in MSAs ranged from $19,299 (The Villages, FL MSA) to $196,277 (Midland, TX MSA). The percent change in per capita real GDP by metro, 2010 to 2018 ranged from -24% (New Orleans-Metairie, LA MSA) to 126.6% (Midland, TX MSA). Use the interactive table to view these and related data.

Change in Per Capita Real GDP by Metro; 2010-2018
The following graphic shows patterns of change in per capita real GDP by metro (MSA) from 2010 to 2018. Label shows 2018 rank of the metro among all 384 MSAs based on 2018 per capita real GDP. Click graphic for larger view. Expand browser to full window for best quality view.

— view created using ProximityOne CV XE GIS and associated GIS project

Top 25 Metros (MSAs) based on 2018 per capita real GDP
The following graphic shows the top 25 metros (MSAs) based on 2018 per capita real GDP labeled with rank. Click graphic for larger view. Expand browser to full window for best quality view.

— view created using ProximityOne CV XE GIS and associated GIS project
 
Using the Interactive Table – 10 largest metros based on 2018 real GDP
— insights into comparative analytics and trends.
— view, rank, compare districts based on your criteria.
— example, which metros have the largest 2018 real GDP?
Use the interactive table to examine GDP characteristics and trends of metros. The following view illustrates use of the table. This view shows use a query to show the ten metros ranked on 2018 real GDP. Click graphic for larger view.

Try using the interactive table to examine metros 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.

116th Congressional Districts & Patterns of Economic Prosperity

.. Congressional District Analysis and Insights .. tools to examine patterns of median household income .. median household income is one measure of economic prosperity. This section reviews patterns of median household income (MHI) by 116th Congressional Districts based on the 2018 American Community Survey 1-year estimates (ACS 2018). View, rank, compare the MHI by congressional district, among related demographic attributes using the interactive table on the main Congressional Districts page.

116th Congressional District Analysis & Insights
.. patterns of household income & economic prosperity:
Based on the ACS 2018 median household income (MHI):
• the MHI among all districts was $60,291
• the U.S. overall MHI was $61,937
As of November 2019:
• the 19 districts with highest MHI have Democrat incumbents
• the 10 districts with the highest Gini Index have Democrat incumbents
• there are 69 Republican incumbent districts above the all districts MHI
• there are 149 Democrat incumbent districts above the all districts MHI
• the MHI of the 236 Democrat incumbent districts is $66,829
• the MHI of the 199 Republican incumbent districts is $56,505
Median household income is only one measure of economic prosperity.
See more at http://proximityone.com/cd.htm.

Patterns of Economic Prosperity 116th Congressional District
The following graphic shows patterns of 2018 median household income by 116th Congressional District. Use GIS tools/data to generate similar views for any state and/or drill-down. Click graphic for larger view with more detail. Expand browser window for best quality view.

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

Using the Interactive Table
— view, rank, compare districts based on your criteria.
— example,which districts have the highest median household income?
Use the interactive table to examine incumbency and and demographic characteristics of the 116th Congressional Districts (CDs). The following view illustrates use of the table. This view shows use a query to show the ten CDs having highest 2018 median household income.

Try using the interactive table to existing districts and categories of interest.

Congressional District/State Legislative District Group
Join in .. be a part of the Congressional Districts/State Legislative District (CDSLD) group. Access analytical tools and data. Learn about CDSLD analytics, patterns and trends. Share insights with like-minded stakeholders.

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.

Personal Consumption Expenditures by Type & State

.. using Personal Consumption Expenditures (PCE) measures to monitor/examine the strength of a regional economy and consumer buying trends in that region and compare among regions … PCE estimates released in October 2019, show that state personal consumption expenditures increased 5.1 percent in 2018, an acceleration from the 4.4 percent increase in 2017. The percent change in PCE across all states ranged from 7.3 percent in Utah to 3.6 percent in West Virginia.

In 2018, across all states and D.C., per capita PCE was $42,757. Per capita PCE by state ranged from a high of $55,095 (MA) to a low of $31,083 (MS). Per capita PCE in D.C. $63,151. Use the interactive table to example per capita and total PCE by state for 24 categories annually 2010 to 2018.

Per Capita Personal Consumption Expenditures by Category; U.S. 2018
— how does your situation and areas of interest compare to U.S. overall?
— view, sort, query by state and year in the interactive table

Goods and services purchased by people are personal consumption expenditures (PCE). These data provide insights into the strength of a state economy and consumer buying trends. As a major component of GDP, PCE growth has recently accounted for much of the GDP growth. The data reviewed in this section are developed by the Bureau of Economic Analysis (BEA, released each October). ProximityOne develops regional PCE estimates by metro and county. More about PCE.

See related sections:
• State Real Median Household Income
• State Annual Gross Domestic Product by Industry

Per Capita Consumption Expenditures by State, 2018
The following graphic shows patterns of 2018 per capita personal income expenditures (PCE). Intervals show distribution in quintiles, equal number of states per interval. The 2018 U.S. per capita PCE was $42,757. Use CV XE GIS project to examine PCE by types, per cpaita vs total, different years and change. Integrate additional subject matter and types of geography. Click graphic for larger view with details. Expand browser window for bets quality view.

– view developed with ProximityOne CV XE GIS and related GIS project & datasets.

Using the Interactive Table
— which areas have the highest health care expenditures?
Use the interactive table to examine personal consumption expenditures by type and state annually for the period 2010-2018. The following view illustrates use of the table. This view shows use a query to examine only health care expenditures. The table was then sorted in descending order to show the areas with the highest per capita health care expenditures in 2018.

Try using the interactive table to existing states or categories 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.

U.S. & State Real Median Household Income Trends

.. during the past two years, 2017 and 2018, the real median household income increased by $1,627. Some states experienced a decline in real median household income in the past two years. During the previous two years, 2015 and 2016, the real median household income increased by $3,329. See details in interactive table (opens new page).

Real median household income in the U.S. increased 0.8 percent between the 2017 ACS and 2018 ACS based on the American Community Survey (ACS 2018). The U.S. MHI, based on ACS 2018 (released September 2019), was $61,937. The national MHI has been increasing since 2013. The increase from 2017 is smaller than the prior 3 years, during which MHI increased between 1.8 percent and 3.3 percent annually. This was the second consecutive year that U.S. MHI was higher than 2007.

Household income as used here is the combined gross income of all members of a household, defined as a group of people living together, who are 15 years or older. The median household income is used to examine the economic health of an area or to compare living conditions between geographic regions.

Use the interactive table and related Geographic Information System (GIS) resources to examine income trends and geographic patterns. See details on using GIS project.

Patterns of Real Median Household Income Change; 2016-2018
— change during two calendar years labeled with 2018 real MHI
— click link for larger view; expand browser window for best quality view.

– view developed using ProximityOne CV XE GIS and related GIS project.
– geospatial analyze income characteristics integrated with your data to examine patterns; gain insights.

Median Household Income in the United States: 2005–2018

U.S. & State Median Household Income: Annually 2005–2018 — Interactive Table
The following static graphic illustrates use of the U.S. & State MHI interactive table. This view shows the 10 states/areas ranked on the 2018 real median household income. See pointer, note that D.C. had the highest real 2018 MHI.  

Try it yourself. Use the table to examine different patterns … like which states experienced a decline in a selected year or over a selected period.

Alternative Measures of MHI
There are other ways to measure/estimate MHI. Possibly the most notable alternative is the Census/BLS Current Population Survey (CPS). This topic will be covered in an upcoming blog .. and how ACS and CPS MHI estimates differ. While the CPS can be used to develop state and higher level geography estimates, ACS might be preferred as MHI estimates can also be developed for counties, cities, census tracts and block groups .. and many other political/statistical areas not possible using CPS.

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.

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.