Res 2013-088/Adopting the 2013 Analysis of Impediments to Fair Housing Choice

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of July 2012. However unemployment has a disparate impact based on race and ethnicity, particularly among African - Americans. Between 2006 and 2010, 10.4 percent of White persons age 16 and over reported being unemployed. Hispanic persons in the same age group reported a 6.5 percent unemployment rate and the data for African - Americans showed 21.0 percent unemployment rate. Income is a major factor contributing to fair housing choice. An estimated 49.4 percent of White households, 35 percent of African - American households and 45.2 percent of Hispanic households have incomes of less than $25,000. The entire City of San Marcos is comprised of census tracts where the majority of household incomes are below 80% of the area median, making the entire City eligible under HUD guidelines for Community Development Block Grant funding. The modal income class, the income class with the highest number of households, for Whites was the less than $10,000 category with 20.9 percent of Whites in this income range. The modal income class for Hispanic households was $15,000 to $24,999 range with 18.0 percent of households in this range. The most frequently reported income for African - American households was also the less than $10,000 range with 26.2 percent of households in this range According to the 2006 - 2010 ACS estimates, the median household income was $25,492 for White households, $28,733 for Hispanic households, and $29,877 for African - American households, compared to $26,734 for the overall city. It is noteworthy that we found no disparate impacts relative to income for the protected class members. However the median and modal income for each of the three major racial /ethnic groups and for the city underscores that many earn incomes that are insufficient to acquire housing in the current market regardless of race or ethnicity, and resulting in a significant cost burden for others. One of the most revealing indicators that income limitations are impacting a persons' ability to obtain housing of their choice is the category of homeownership. According to the 2006 - 2010 ACS data, homeownership rate u