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among Whites was 25.1 percent, compared to 31.3 percent among Hispanics, <br />and 28.3 percent among African - Americans. Again, our analysis noted that White <br />households had lower homeownership rates compared to minorities, and no <br />disparate impact on homeownership rates based on race and ethnicity. All three <br />groups are experiencing similar percentages of their population becoming <br />homeowners. <br />All racial and ethnic populations in the city are confronted with large numbers of <br />their population living in poverty. The ACS data shows the incidence of poverty <br />among Hispanics was 32.3 percent and African - Americans were 39.7 percent of <br />the total population between 2006 and 2010. Among White persons, the data <br />reported 40.0 percent lived in poverty between 2006 and 2010. In comparison, <br />the poverty rate for the city was 36.9 percent during the period. <br />There is one notable exception where poverty has a disparate impact based on <br />race and ethnicity, The poverty data in Table 1.4 of the Community Profile shows <br />the incidence of poverty for persons under the age of 5 years for African - <br />Americans was a staggering 69.5 percent of the their total population between <br />2006 and 2010. Among White persons, the data reported 5.8 percent, and among <br />Hispanics 39.6 percent of children under the age of 5 years lived in poverty <br />between 2006 and 2010. <br />It should be noted that lower educational attainment has a disparate impact <br />based on race and ethnicity, among African - Americans and Hispanics compared <br />to Whites. In San Marcos, even the difference in the unemployment rate between <br />African - Americans and the other two groups may, to some extent, be attributed <br />to limitations due to educational attainment. According to the 2006 - 2010 ACS <br />estimates (5 -year average), 29.6 percent of Hispanics age 25 and above <br />reported less than a high school education compared to 6.4 percent of Whites <br />and 17.2 percent for African - Americans in the same age group. As a <br />comparison, the percentage of population with less than a high school education <br />in the city was 16.7 percent during the period. <br />vi <br />