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HomeMy WebLinkAbout2020 MPO Update to the Affordable Housing Market Analysis Update to the 2015 Affordable Housing Market Analysis for the Iowa City Urbanized Area February 2021 ii Prepared by the Metropolitan Planning Organization of Johnson County (MPOJC) and the City of Iowa City Frank Waisath, Associate Transportation Planner Greta Larget, Transportation Planning Intern iii Table of Contents List of Figures and Tables iv Introduction 1 Existing Conditions 2 Population and Demographic Data 2 Economic and Employment Data 7 Poverty 7 Free and Reduced Lunch Program 9 Employment 13 Distribution of Income 16 Median Household Income 17 Income by Age of Householder 18 Basic Housing Trends 21 Household Composition 21 Owner-Occupied versus Renter-Occupied 22 Housing Stock 23 Building Permits 24 Housing Vacancy 25 Housing Costs and Cost Burden 26 Renters 26 Homeowners 28 Income versus Housing Cost 30 Cost Burden Illustrated 31 Appendix A 33 Appendix B 34 iv Figures Figure 1 Population trends, 2010-2019 2 Figure 2 Project population growth 3 Figure 3 Population distribution by age group, 2019 4 Figure 4 Population distribution by race 5 Figure 5 Student population at the University of Iowa 6 Figure 6 Families in poverty – number and percentage 7 Figure 7 Poverty rate by race and ethnicity, 2019 8 Figure 8 Total enrollment and percent of free and reduced lunch students 9 Figure 9 ICCSD Elementary School Boundaries 2019-2020 11 Figure 10 ICCSD Secondary School Boundaries 2019-2020 12 Figure 11 Unemployment by race and ethnicity 14 Figure 12 Employment and mean salary by occupation 15 Figure 13 Household income distribution by jurisdiction 16 Figure 14 Median household income 17 Figure 15 County income distribution by age group 18 Figure 16 Owner-occupied and renter-occupied units 22 Figure 17 Building permits issued by community 2010-2019, single-family and multi-family 24 Figure 18 Vacancy rates 25 Figure 19 Proportion of cost-burdened renters by jurisdiction 26 Figure 20 Median housing value – owner-occupied 28 Figure 21 Proportion of cost-burdened owners by jurisdiction 29 Figure 22 Percent change in median housing value and median household income by jurisdiction, 2014-2019 30 Figure 23 Median gross rent vs. 30% of monthly wages by selected industries 31 Figure 24 Percent of monthly wage needed to pay median rent (2019) for selected Industries 32 v Tables Table 1 Historical population trends 2 Table 2 Population distribution by age group, 2019 3 Table 3 Poverty rates 7 Table 4 Poverty rates, 2016 8 Table 5 Free and reduced lunch program data by school and year, ICCSD and CCASD 10 Table 6 Unemployment rates in civilian labor force by jurisdiction, county, state, and nation 13 Table 7 Median household income by jurisdiction 17 Table 8 Median household income by race of householder, 2019 17 Table 9 Household income distribution by age of householder by jurisdiction, 2019 19 Table 10 Family and non-family households 21 Table 11 Households with children 21 Table 12 Total Housing Units by Jurisdiction 23 Table 13 Building permits issued for single and multi-family homes, 2010-2019 24 Table 14 Cost-burdened renters by region, county, and state 26 Table 15 Severely cost-burdened renters by region, county, and state 27 Table 16 Rent burden by race, U.S. 27 Table 17 Cost-burdened homeowners by region, county, and state 29 Table 18 Severely cost-burdened homeowners by region, county, and state 29 Table 19 Change in median gross rental cost by jurisdiction (adjusted for inflation) 31 1 Introduction This document provides an update to the Affordable Housing Market Analysis Update completed by the Metropolitan Planning Organization of Johnson County and the Housing Trust Fund of Johnson County in 2015. This report is intended to compare the socio-economic conditions and housing needs between 2015 and 2019, and to discuss strategies to help meet identified goals for the urbanized area. The urbanized area consists of Coralville, Iowa City, North Liberty, Tiffin, and University Heights . This update to the 2015 document is intended to be a starting point for a newly formed staff steering committee that will examine and address housing affordability in Iowa City. Data presented in this document is largely derived from the U.S. Census Bureau’s American Community Survey (ACS) 5-year estimates for 2010-2014 and 2015-2019. The consistent methodology, statistical rigor, and scale of the ACS data allows for comparisons across time periods. Additionally, county, state, and national data are used to provide broader context as appropriate. At the time of preparation, Decennial Census data for the year 2020 was not yet available for analysis and therefore the economic, financial, and housing impacts of the COVID -19 pandemic are not captured in this document. Data from the 2020 Census should be monitored as it is released throughout 2021 in order to account for effects of the pandemic. Disruptions to the collection schedule and standard operating procedures for the 2020 Census may impact the reporting of these results. 2 Existing Conditions Population and Demographic Data Since the 2010 Census, the population of the urbanized area has grown from 103,141 to an estimated 121,607 in 2019, a 17.9% increase. Iowa City showed the largest percentage of growth in the County over this period. Figure 1: Source: U.S. Census Bureau ACS 2015-2019 5-Year Estimates Across Iowa, populations in rural counties generally decline, while metropolitan areas gain in population. The population of Johnson County increased 8.6% percent between 2014 and 2019, compared to the state’s 2.0% percent increase in population during the same period. Table 1: Historical population trends Year Coralville Iowa City North Liberty Tiffin University Heights Urbanized Area Johnson County Iowa 2019 22,259 74,942 19,227 4,139 1,040 121,607 150,685 3,155,070 2010 18,907 67,862 13,374 1,947 1,051 103,141 130,882 3,046,355 2000 15,123 62,220 5,367 975 987 84,672 111,006 2,926,324 1990 10,347 59,735 2,926 460 1,042 74,510 96,119 2,776,831 1980 7,687 50,508 2,046 413 1,069 61,723 81,717 2,913,808 1970 6,130 46,850 1,055 299 1,265 55,599 72,127 2,825,368 1960 2,357 33,443 334 311 841 37,286 53,663 2,757,537 1950 977 27,212 309 256 446 29,200 45,756 2,621,073 Source: U.S. Census Bureau, Decennial Censuses and ACS 2015-2019 5-Year Estimate 18,907 67,862 13,374 1,947 1,051 103,141 130,882 3,352 7,080 5,853 2,192 -11 18,466 19,803 -5% 10% 25% 40% 55% 70% 85% 100% Coralville Iowa City North Liberty Tiffin University Heights Urbanized Area Johnson County Population Trends, 2010-2019 Population in 2010 Population growth, 2010-2019 3 Over the next 25 years, population is projected to grow in every jurisdiction except University Heights. While North Liberty and Tiffin are both projected to grow significantly compared to their population today, t he majority of the growth in Johnson County will be concentrated in Iowa City. Figure 2: Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates Due to the large student population at the University of Iowa, the urbanized area has proportionally more residents between ages 20 and 24 than other urbanized areas in the state. However, each jurisdiction has a slightly different age composition. In general, Iowa City is centralized around the 20 to 24-year-old age bracket, indicating that the college student population is a significant contributor to the population makeup of the region. The median age is skewed a bit to favor the mid-20s to mid-40s population in Tiffin and North Liberty while Coralville lies just slightly higher than Iowa City. North Liberty has the highest proportion of kids based on the size of the cities in the urbanized area. The general makeup of Johnson County has stayed relatively constant between 2014 and 2019. Table 2: Population distribution by age group, 2019 Age Coralville Iowa City North Liberty Tiffin University Heights Urbanized Area Johnson County Less than 10 2,747 6,512 3,821 594 131 20,185 17,295 10 to 19 2,197 11,953 1,865 377 90 23,696 20,619 20 to 24 2,491 16,859 1,480 227 235 24,398 23,127 25 to 34 4,080 11,694 4,116 591 238 25,726 23,239 35 to 44 2,700 7,596 3,388 576 109 20,365 17,874 45 to 54 2,242 6,414 1,676 370 72 17,530 14,803 55 to 64 2,303 6,081 1,178 280 149 17,826 14,810 65 or more 2,343 7,841 1,305 336 135 20,951 16,810 TOTAL 21,103 74,950 18,829 3,351 1,159 170,677 148,577 Source: U.S. Census Bureau ACS 2015-2019 5-Year Estimates 22,290 75,130 19,501 4,157 1,026 151,140 30,571 99,766 37,823 9,929 1,000 212,540 - 25,000 50,000 75,000 100,000 125,000 150,000 175,000 200,000 225,000 Coralville Iowa City North Liberty Tiffin University Heights Johnson County Projected Population Growth 2019 2025 2030 2035 2040 2045 4 Figure 3: Source: U.S. Census Bureau ACS 2015-2019 5-Year Estimates Figure 4 on the following page shows that m ost cities in the urbanized area have become more ethnically diverse between 2014 and 2019. The previous update from 2015 noted a significant increase in the Hispanic population, which has continued to increase between 2014 and 2019 (See Appendix A for detailed figures and percentages). The most notable increase of racial diversity within the urbanized area was in Coralville and University Heights. However, the relatively small size and limited opportunity for expansion of University Heights is likely allowing the proportions to show more variability. Although Johnson County is generally more racially diverse than Iowa as a whole, it still has a large majority W hite population. 11.7% 11.9% 11.3% 17.7% 20.3% 8.7% 13.0% 13.8% 13.9% 7.7% 11.3% 9.9% 15.9% 10.4% 15.6% 14.3% 20.3% 6.8% 7.9% 22.5% 11.8% 15.6% 15.1% 20.5% 17.6% 21.9% 15.6% 19.3% 12.0% 11.9% 9.4% 17.2% 18.0% 10.1% 12.8% 10.0% 10.3% 6.2% 11.0% 8.9% 8.6% 10.6% 9.9% 10.5% 12.9% 8.3% 6.3% 8.1% 10.9% 11.3% 12.2% 11.6% 10.1% 6.9% 10.4% 11.1% 0%10%20%30%40%50%60%70%80%90%100% Johnson County Urbanized Area University Heights Tiffin North Liberty Iowa City Coralville Population Distribution by Age Group, 2019 Less than 10 10 to 19 20 to 24 25 to 34 35 to 44 45 to 54 55 to 64 65 or more 5 Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates Figure 4: Population Distribution by Race *For detailed percentages for all races, see Appendix A 6 Student enrollment numbers at the University of Iowa have stayed relatively constant over the time frame being studied, with the COVID-19 pandemic potentially accounting for the slight decline in 2020 enrollment. Overall, however, the student population has made a stable and significant contribution to the population of the urbanized area. Figure 5: Source: University of Iowa Admissions 31,387 32,150 31,730 - 5,000 10,000 15,000 20,000 25,000 30,000 35,000 2014 2019 2020 Student Population at the University of Iowa 7 Economic and Employment Data Poverty The US Census Bureau collects data on individuals in poverty by comparing family incomes to thresholds established by the federal government, which are adjusted annually for inflation. The 2014 poverty threshold is defined as $11,670 for one person and $23,850 for a family of four. The 2019 poverty threshold is defined as $12,490 for one person and $25,750 for a family of four. Between 2014 and 2019, Coralville, North Liberty, and University Heights have all increased the proportion of people in poverty while Iowa City and Tiffin have decreased their poverty rates. Johnson County has an increasing proportion of people living in poverty while the overall poverty rate for Iowa is decreasing. Figure 6: Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates Table 3: Poverty rates Year Coralville Iowa City North Liberty Tiffin University Heights Urbanized Area Johnson County Iowa 2014 6.0% 10.3% 4.0% 6.2% 8.0% 6.9% 6.6% 8.2% 2019 9.4% 9.3% 4.4% 1.4% 14.3% 7.8% 7.0% 7.2% Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates 265 1,327 135 29 21 1,938 1,965 439 1,245 206 12 36 1,777 2,268 0% 2% 4% 6% 8% 10% 12% 14% 16% Coralville Iowa City North Liberty Tiffin University Heights Urbanized Area Johnson County Families in Poverty -Number and Percentage 2014 2019 8 Acknowledging racial disparities in poverty and income can help in finding ways to provide equitable access to affordable housing. As shown below, racial and ethnic minorities are more likely to be in poverty than White individuals. Figure 7: Source: U.S. Census Bureau ACS 2015-2019 5-Year Estimates College students are another population to consider for affordable housing policy. Beginning with the 2016 American Community Survey, their needs were calculated separately from the surrounding county and jurisdiction as a whole. College students in Iowa City make up just over half of all people in poverty and just under half of all people living in Johnson County. Because there is a large college student population in the urbanized area, the poverty rate is expected to be higher as many students rely on temporary i ncome sources such as loans and family support. Table 4: Poverty rates, 2016 Place Poverty rates Total Poverty Rate Poverty rate excluding off- campus college students Iowa City 28.0% 13.1% Johnson County 17.9% 9.3% Source: U.S. Census Bureau ACS 2012-2016 5-Year Estimates 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Coralville Iowa City North Liberty Tiffin University Heights Johnson County Iowa Poverty Rate by Race and Ethnicity, 2019 White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Hispanic or Latino origin (of any race) 9 Free and Reduced Lunch Program Schoolchildren whose families’ incomes fall below the poverty line (or meet other similar criteria) are eligible to receive a free or reduced-price lunch. The total number of students in the Iowa City Community School District (ICCSD) and Clear Creek Amana School District (CCASD) eligible to participate in this program has increased by over 50% since 2010. While the school district boundaries do not align with the municipal boundaries of the communities included in the urbanized area, free and reduced lunch data gives a general sense of the magnitude and spatial distribution of poverty. Between 2014 and 201 9, the number of households with children in Johnson County decreased by 2.3%, but the number of FRL participants increased by about 5%. Figure 8: Source: Iowa City Community School District, Clear Creek Amana School District, and Iowa Dept. of Education 10% 15% 20% 25% 30% 35% 40% 45% 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 Total Enrollment and Percent of Free and Reduced Lunch Students ICCSD CCASD ICCSD FRL CCASD FRL 10 Table 5: Free and reduced lunch program data by school and year, ICCSD and CCASD School Year 2009-10 2014-15 2019-20 SCHOOL TOTAL ENROLLED TOTAL FRL FRL RATE TOTAL ENROLLED TOTAL FRL FRL RATE TOTAL ENROLLED TOTAL FRL FRL RATE ELEMENTARY SCHOOLS ALEXANDER N/A N/A N/A N/A N/A N/A 320 225 70.3% AMANA ELEM 129 30 23.3% 193 36 18.7% 117 40 34.2% BORLAUG N/A N/A N/A 399 113 28.3% 454 189 41.6% CC ELEM 335 65 19.4% 343 79 23.0% 276 72 26.1% CVL CENTRAL 429 133 31.0% 397 153 38.5% 442 220 49.8% GARNER N/A N/A N/A 575 107 18.6% 512 179 35.0% GRANT N/A N/A N/A N/A N/A N/A 518 75 14.5% HILLS 144 84 58.3% 111 70 63.1% 179 129 72.1% HOOVER 360 92 25.6% 306 63 20.6% 415 205 49.4% HORN 331 64 19.3% 487 183 37.6% 434 226 52.1% KIRKWOOD 336 199 59.2% 360 262 72.8% 282 202 71.6% LEMME 329 84 25.5% 400 105 26.3% 368 102 27.7% LINCOLN 261 14 5.4% 234 17 7.3% 240 70 29.2% LONGFELLOW 310 56 18.1% 322 65 20.2% 407 167 41.0% LUCAS 415 166 40.0% 403 230 57.1% 329 160 48.6% MANN 275 135 49.1% 221 110 49.8% 239 89 37.2% NORTH BEND 273 67 24.5% 469 90 19.2% 334 63 18.9% OAK HILL N/A N/A N/A N/A N/A N/A 271 77 28.4% PENN 510 142 27.8% 521 100 19.2% 496 65 13.1% ROOSEVELT 307 195 63.5% N/A N/A N/A N/A N/A N/A SHIMEK 201 22 10.9% 208 30 14.4% 203 39 19.2% TIFFIN ELEM N/A N/A N/A N/A N/A N/A 305 86 28.2% TWAIN 244 188 77.0% 374 284 75.9% 205 115 56.1% VAN ALLEN 683 151 22.1% 506 85 16.8% 480 116 24.2% WEBER 540 80 14.8% 488 205 42.0% 570 249 43.7% WICKHAM 485 15 3.1% 500 52 10.4% 413 44 10.7% WOOD 507 333 65.7% 504 373 74.0% 324 227 70.1% MIDDLE SCHOOLS CCA MIDDLE 340 75 22.1% 437 83 19.0% 577 170 29.5% NORTH CENTRAL 396 69 17.4% 471 93 19.8% 581 138 23.8% NORTHWEST 615 200 32.5% 633 214 33.8% 765 312 40.8% SOUTHEAST 688 263 38.2% 794 343 43.2% 817 359 43.9% HIGH SCHOOLS CITY HIGH 1,389 416 29.9% 1592 585 36.8% 1,566 598 38.2% CCA HIGH 495 91 18.4% 589 110 18.7% 661 160 24.2% LIBERTY HIGH N/A N/A N/A N/A N/A N/A 1,096 307 28.0% WEST HIGH 1,789 393 22.0% 1973 440 22.3% 1,460 495 33.9% TATE HIGH 122 84 68.9% 151 77 51.0% 161 86 53.4% Total - Both Districts 13,238 3,906 29.5% 14,961 4,757 31.8% 16,817 6,056 36.0% Source: Iowa City Community School District, Clear Creek Amana School District, and Iowa Dept. of Education 11 Figure 9: 12 Figure 10: 13 Employment The Iowa City urbanized area has had a relatively stable unemployment rate even as the national and state rates fluctuated, potentially due to the stability of The University of Iowa attracting and employing people. The smaller communities and unincorporated areas tend to have lower and decreasing unemployment rates in comparison to Iowa City which is slightly higher. These rates are likely subject to change due to the impact of the COVID-19 pandemic and should be considered for future analysis. Table 6: Unemployment rates in civilian labor force by jurisdiction, county, state, and nation Year Coralville Iowa City North Liberty Tiffin University Heights Johnson County Iowa US 2014 3.5% 4.6% 0.7% 4.2% 2.7% 3.6% 5.4% 9.2% 2019 3.1% 4.7% 1.1% 2.0% 1.5% 3.5% 3.7% 4.5% Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates Unemployment rates have generally decreased between 2014 and 2019, but they are still much higher for racial and ethnic minorities, as shown in Figure 11. Some of the extreme changes in unemployment rates by race can be accounted for by the raw number of people present. For example, in 2014, University Heights did not have anyone who identified as “some other race alone,” and in 2019 they had a 100% unempl oyment rate for people who identified as such, likely indicating that only one or a few people moved to University Heights of that demographic that were unemployed. Only a few people moving would not affect other jurisdictions so dramatically. The chart on page 15, Figure 12, illustrates the percentage of workers by industry in relation to the mean income for that industry in the urbanized area. From left to right, the graph shows the industries with the greatest to least percentage of employed persons. This information is useful to determine how workers in different sectors of employment are affected by the housing market in the community. 14 Figure 11: Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Coralville Iowa City North Liberty Tiffin University Heights Johnson County Iowa US Unemployment by Race and Ethnicity, 2014 White Black or African American American Indian or Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Hispanic or Latino origin (of any race) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Coralville Iowa City North Liberty Tiffin University Heights Johnson County Iowa US Unemployment by Race and Ethnicity, 2019 White Black or African American American Indian or Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Hispanic or Latino origin (of any race) 15 Figure 12: Employment and mean salary by occupation Source: Iowa Wage Survey, 2020 16 Distribution of Income Distribution of household income is a good indicator of how income varies with respect to location and may help jurisdictions better understand their affordable housing needs. Figure 13 below illustrates household income distribution by jurisdiction. Iowa City generally has more people in lower income brackets than the smaller communities, county, and state, possibly due to the large student population. University Heights has the highest number of people in both the highest and the lowest income brackets, indicating strong income disparity among residents. This is also possibly due to University Heights’ proximity to both The University of Iowa and University of Iowa Hospitals and Clinics. Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates Figure 13: Household income by jurisdiction 17 Median Household Income The previous update in 2015 reported nearly a 7% decrease in median household income between 2000 and 2012. Figure 14 below shows an increase in median household income from 2014 to 2019 in every community across the urbanized area. Figure 14: Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates Table 7: Median household income by jurisdiction Year Coralville Iowa City North Liberty Tiffin University Heights Johnson County 2014 $59,822 $42,119 $72,470 $51,000 $52,500 $54,985 2019 $60,321 $49,075 $83,949 $78,713 $68,533 $62,542 Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates The data in Table 8 shows that there is a significant discrepancy in Iowa for median household income based on race. Most notably is the ~$30,000 difference in median household income for W hite and Black households. Unfortunately this data is not available at the county or local level. Table 8: Median household income by race of householder, 2019 State White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some Other Race Two or More Races Iowa $62,097 $32,139 $36,794 $59,890 $48,173 $47,938 $44,727 Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates $59,822 $42,119 $72,470 $51,000 $52,500 $54,985 $60,321 $49,075 $83,949 $78,713 $68,533 $62,542 $- $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 Coralville Iowa City North Liberty Tiffin University Heights Johnson County Median Household Income 2014 2019 18 Income by Age of Householder Showing income distribution by age of householder can help identify which segments of the population may be the most impacted by housing costs. Figure 15 below shows income distribution by age for 2014 and 2019. Of the people earning less than $10,000 per year, just over half of them are under age 25, rather than the expected overwhelming majority, indicating that poverty is affecting more than just college students in the area. Figure 15: Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates When income distribution by age is examined for each community, University Heights has the highest proportion of households with income below $10,000 with Iowa City close behind. When householders under age 25 are discounted, Iowa City has the highest number of households with income below $10,000. In total, there are 2,131 urbanized area households with a householder over the age of 25 and income less than $10,000, two thirds of which are in Iowa City. Iowa City is tied with Coralville for the highest proportion (18%) of households with a householder over the age of 25 with income below $25,000 (characteris tics which are more similar to low-income families than college students). The previous update in 2015 mentioned a significant difference between the low levels of income in Iowa City compared to the rest of the urbanized area, a trend which is no longer as prevalent, as proportions of low-income households have increased in surrounding communities. 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 Less than $10,000 $10,000 to $19,999 $20,000 to $29,999 $30,000 to $39,999 $40,000 to $49,999 $50,000 to $59,999 $60,000 to $74,999 $75,000 to $99,999 $100,000 to $149,999 $150,000 or more County Income Distribution by Age Group Under 25 25 to 44 45 to 64 65 or moreNumber of Households 19 Table 9: Household income distribution by age of householder by jurisdiction, 2019 Income Coralville Under 25 25-44 45-64 65+ Less than $10,000 247 326 124 55 $10,000 to $19,999 152 224 99 212 $20,000 to $29,999 146 336 109 209 $30,000 to $39,999 319 295 88 138 $40,000 to $49,999 48 277 73 77 $50,000 to $59,999 20 272 156 217 $60,000 to $74,999 58 343 230 131 $75,000 to $99,999 58 351 286 74 $100,000 to $149,999 49 518 490 208 $150,000 or more 17 416 747 262 Income Iowa City Total households below Iowa City’s median income, over age 25 Under 25 25-44 45-64 65+ Less than $10,000 2761 735 528 155 1,418 $10,000 to $19,999 1686 818 386 582 1,786 $20,000 to $29,999 947 895 569 566 2,030 $30,000 to $39,999 589 1034 494 488 2,016 $40,000 to $49,999 332 1135 524 328 1,987 $50,000 to $59,999 221 1019 481 373 $60,000 to $74,999 245 1196 704 498 $75,000 to $99,999 209 1292 1102 589 $100,000 to $149,999 79 1604 1320 784 $150,000 or more 19 935 1730 616 Income North Liberty Under 25 25-44 45-64 65+ Less than $10,000 76 111 16 57 $10,000 to $19,999 0 0 36 94 $20,000 to $29,999 51 159 57 84 $30,000 to $39,999 71 218 189 81 $40,000 to $49,999 124 160 66 77 $50,000 to $59,999 22 292 152 82 $60,000 to $74,999 68 490 236 84 $75,000 to $99,999 156 806 227 173 $100,000 to $149,999 0 1210 363 45 $150,000 or more 0 561 440 54 20 Table 9 (Continued): Household income distribution by age of householder by jurisdiction, 2019 Income Tiffin Under 25 25-44 45-64 65+ Less than $10,000 7 0 3 0 $10,000 to $19,999 6 0 17 30 $20,000 to $29,999 0 14 39 18 $30,000 to $39,999 56 21 11 16 $40,000 to $49,999 53 19 47 40 $50,000 to $59,999 5 41 32 18 $60,000 to $74,999 0 53 45 17 $75,000 to $99,999 0 154 76 26 $100,000 to $149,999 0 246 96 7 $150,000 or more 0 44 30 20 Income University Heights Under 25 25-44 45-64 65+ Less than $10,000 56 21 0 0 $10,000 to $19,999 5 3 11 6 $20,000 to $29,999 31 8 2 0 $30,000 to $39,999 14 0 16 11 $40,000 to $49,999 4 10 4 0 $50,000 to $59,999 4 25 5 0 $60,000 to $74,999 0 27 34 0 $75,000 to $99,999 4 32 6 2 $100,000 to $149,999 0 23 24 25 $150,000 or more 0 47 34 37 Source: U.S. Census Bureau 2015-2019 5-Year Estimates 21 Basic Housing Trends Household Composition Non-family households are very common in the urbanized area, as many college students share housing to reduce costs. Between 2014 and 2019, the proportion of non-family households slightly increased for Coralville, Iowa City, and University Heights and significantly decreased for North Liberty and Tiffin. This is the exact opposite of the trend described in the 2015 update, likely due to the smaller communities’ appeal to newer families. However, there was little measurable change in the overall proportion of non-family households in Johnson County as a whole. Table 10: Family and non-family households 2014 Coralville Iowa City North Liberty Tiffin University Heights Johnson County Iowa Total 7,710 28,843 5,942 832 534 54,850 1,232,228 Family 4,419 12,887 3,386 470 261 29,769 797,031 Non-Family 3,291 15,956 2,556 362 273 25,081 435,197 % Non- Family 42.68% 55.32% 43.02% 43.51% 51.12% 45.73% 35.32% 2019 Coralville Iowa City North Liberty Tiffin University Heights Johnson County Iowa Total 8,457 30,568 7,188 1,307 531 59,134 1,265,473 Family 4,672 13,385 4,682 880 252 32,395 802,826 Non-Family 3,785 17,183 2,506 427 279 26,739 462,647 % Non- Family 44.76% 56.21% 34.86% 32.67% 52.54% 45.22% 36.56% Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates Between 2014 and 2019, the number of households with children decreased in Coralville and Iowa City while increasing in North Liberty, Tiffin, and University Heights. Households with children have different housing needs based on their social and economic characteristics. Factors such as location, size of housing unit, proximity to schools, and presence of other households with children may influence a family’s decision to purchase or rent one home or another. The proportion of housing suitable for family occupancy should correspond to the proportion of families with children. Furthermore, a variety of single and multi-family units provides families with more options to make housing choices based on location. Table 11: Households with children Year Coralville Iowa City North Liberty Tiffin University Heights Johnson County Iowa 2014 2,521 6,240 2,099 269 94 15,070 374,781 2019 2,414 6,045 2,872 504 126 15,453 375,250 Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates 22 Owner-Occupied versus Renter-Occupied Although a 3-to-1 ratio of owner-occupied to renter-occupied units is common in many communities, the urbanized area has nearly a 1-to-1 ratio. The large population of college students is likely a major factor in keeping the proportion of owners and renters more equal. Over the last five years, the proportion of renters has increased in all communities in the urbanized area, except for North Liberty. Overall from 2014 to 2019, the proportion of renter-occupied properties has increased slightly across Johnson County as a whole. Figure 16: Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates Overall, W hite individuals have a higher chance of owning their property than renting it. This trend continues from 2014 to 2019. There are a few exceptions, particularly for Asian residents living in North Liberty and University Heights in 2019, but overall, non-W hite populations have lower rates of homeownership. With the large student population it’s possible that these individuals are choosing to rent, but when the trend is this similar across the urbanized area, it’s likely pointing to a lack of opportunity for home ownership for racial minorities. Appendix B gives more detail about the trends in renter/owner rates present in each jurisdiction over time. 71.1% 71.8% 58.5% 59.6% 52.4% 59.6% 67.6% 72.5% 69.4% 68.4% 47.7% 48.1% 50.6% 56.5% 28.9% 28.2% 41.5% 40.4% 47.6% 40.4% 32.4% 27.5% 30.6% 31.6% 52.3% 51.9% 49.4% 43.5% 0%10%20%30%40%50%60%70%80%90%100% 2019 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 2014 IowaJohnsonCountyUniversityHeightsTiffinNorthLibertyIowa CityCoralvilleOwner-Occupied and Rental-Occupied Units Owner-occupied Renter-occupied 23 Housing Stock Between 2014 and 2019, all jurisdictions added to their housing stock except University Heights. Tiffin is still significantly increasing its housing stock, a trend that was noted in the previous 2015 update. North Liberty has also continued its trend of increasing housing stock, although not as significantly prior to 2014. Table 12: Total Housing Units by Jurisdiction Coralville Iowa City North Liberty Tiffin University Heights Johnson County 2014 8,168 30,002 6,102 898 574 57,280 2019 9,194 33,254 7,548 1,473 542 63,623 Total Units Added 1,026 3,252 1,446 575 -32 6,343 % Change 13% 11% 24% 64% -6% 11% Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates 24 Building Permits Coralville and Iowa City have significantly increased their building permit approval for multi -family housing units compared to the 2015 update. Iowa City and Coralville increased their multi-family building permits by 311.7% and 1202.5% respectively between 2014 and 2019. Continuing to ensure that an adequate amount of land in the urbanized area is zoned for multi-family developments is necessary to meet this demand. Figure 17: Source: State of the Cities Building Permit Data System, HUD Table 13: Building permits issued for single and multi-family homes, 2010-2019 Year CORALVILLE IOWA CITY NORTH LIBERTY TIFFIN UNIVERSITY HEIGHTS JOHNSON COUNTY UNINCORP. AREA SF MF SF MF SF MF SF MF SF MF SF MF 2010 40 0 153 59 136 0 13 16 0 0 38 0 2011 71 122 126 99 157 20 23 54 0 0 39 0 2012 77 10 223 176 136 20 19 18 0 0 77 0 2013 66 0 219 479 71 47 34 0 0 0 59 0 2014 89 75 226 219 162 93 19 72 0 0 49 0 2015 29 109 151 537 126 0 35 148 0 0 74 0 2016 18 370 263 817 120 0 36 139 0 0 75 0 2017 19 334 213 305 178 0 120 26 0 0 33 0 2018 25 467 132 189 73 51 151 108 0 0 49 9 2019 17 99 98 471 72 21 134 77 0 0 51 2 Subtotal 451 1,586 1,804 3,351 1,231 252 584 658 0 0 544 11 Total 2,037 5,155 1,483 1,242 0* 555 *Data from HUD shows no permits from University Heights despite development of 1 University Place multi -family development. Source: State of the Cities Building Permit Data System, HUD. 451 1586 1804 3351 1231 252 584 658 0 0 544 11 0 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 SF MF SF MF SF MF SF MF SF MF SF MF CORALVILLE IOWA CITY NORTH LIBERTY TIFFIN UNIVERSITY HEIGHTS JOHNSON COUNTY UNINCORPORATED AREA Building Permits Issued by Community 2010 -2019 Single-family (SF) & Multi-family (MF) 25 Housing Vacancy Housing vacancy rates are helpful indicators of occupancy turnover and housing mobility. While having some vacancy is ideal to promote population growth, the ideal rate is fairly arbitrary. However, having a rate that’s stable is important in regulating ho using costs and mitigating the cost burden. The average rental vacancy rate in the United States was 8.9% between 2010 and 2014 and was 6.9% between 2015 and 2019. From 2014 to 2019, homeowner vacancy rates decreased in every jurisdiction except for Iowa City while renter vacancy rates increased in every jurisdiction except for University Heights (which remained at 0%). Tiffin has a particularly high rate of rental vacancy that increased between 2014 and 2019. Figure 18: Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates 0.0% 2.0%1.4%1.8% 0.7%0.0% 2.4% 1.5% 5.1% 0.0% 4.0% 7.7% 1.7% 4.1% 0.0% 6.6% 8.0% 17.7% 0.0%0.0% 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 20% 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 Coralville Iowa City North Liberty Tiffin University Heights Vacancy Rates Homeowner vacancy rate Rental vacancy rate 26 Housing Costs and Cost Burden The Census collects data on housing costs as a proportion of household income. Housing is considered “affordable” if occupants pay no more than 30 percent of their gross annual income on rent or owner housing costs. Occupants paying more than 30 percent of their gross annual income towards housing are considered “cost-burdened”, while those paying more than 50 percent are considered “severely cost- burdened”. The US Census Bureau defines gross rent as the combined cost of rent and selected utilities, while gross homeowner costs refer to mortgage and insurance payments, and selected utilities. Renters Rents increased 11.3% in Johnson County between 2014 and 2019 after being adjusted for inflation. The proportion of renters in the urbanized area who were considered either cost -burdened or severely cost- burdened was 55.3% in 2014 and 54.0% in 2019. Iowa City was the only jurisdiction to lower its percentage of severely cost-burdened renters, although it still has the highest proportion overall. University Heights ha d the most significant proportion of increase in cost-burdened residents without a similar increase in those severely cost-burdened. Figure 19: Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates Table 14 and 15 indicate that the proportion of cost-burdened renters is similar to that of the state while the proportion of severely cost-burdened renters is far higher in the urbanized area than the state as a whole. Table 14: Cost-burdened renters by region, county, and state Year Urbanized Area Johnson County Iowa Total % Total % Total % 2014 4,125 20.0% 4,467 20.2% 70,024 20.2% 2019 4,322 18.8% 4,517 18.4% 72,234 19.7% Source: U.S. Census Bureau 2015-2019 & 2010-2014 5-Year Estimates 23.0%24.0%19.3%17.3%21.9%19.0%15.7%18.6%8.8%20.2%22.1%26.1%41.3%40.7%14.7%16.3%10.5%14.9%35.6%36.4%0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 Coralville Iowa City North Liberty Tiffin University Heights Proportion of Cost-Burdened Renters by Jurisdiction Cost Burdened Severely Cost Burdened 27 Table 15: Severely cost-burdened renters by region, county, and state Year Urbanized Area Johnson County Iowa Total % Total % Total % 2014 7,295 35.3% 7,483 33.8% 73,433 21.1% 2019 8,116 35.2% 8,343 34.0% 72,505 19.8% Source: U.S. Census Bureau 2015-2019 & 2010-2014 ACS 5-Year Estimates The American Community Survey last tracked data for gross rent as a percentage of household income by race in the 2000 Census, which is no longer a relevant indicator of current racial disparities in affordable housing. However, the United States Government Accountability Office has some information on differences of rental affordability based on race between 2010 and 2017. Overall, W hite and Asian individuals have the highest chance of being able to afford rental housing when compared to Black and Hispanic individuals, as well as people of other races. Despite an overall general improvement of rental affordability, there is still approximately a 10% difference between W hite and Black individuals who are not cost burdened by rent. Table 16: Rent burden by race, U.S. Race Rent Burden 2010 2011 2012 2013 2014 2015 2016 2017 White Not Rent Burdened 52% 52% 53% 54% 54% 55% 56% 56% Moderately Rent Burdened 24% 23% 23% 23% 23% 23% 23% 23% Severely Rent Burdened 24% 25% 24% 23% 23% 22% 22% 22% Black Not Rent Burdened 41% 40% 42% 42% 42% 43% 45% 45% Moderately Rent Burdened 26% 26% 25% 26% 26% 26% 26% 26% Severely Rent Burdened 33% 34% 33% 32% 32% 31% 29% 29% Hispanic Not Rent Burdened 43% 42% 43% 44% 44% 45% 46% 46% Moderately Rent Burdened 27% 28% 27% 28% 28% 28% 27% 27% Severely Rent Burdened 29% 30% 30% 29% 29% 28% 27% 27% Asian Not Rent Burdened 55% 55% 55% 56% 55% 56% 56% 56% Moderately Rent Burdened 21% 22% 21% 21% 21% 21% 21% 21% Severely Rent Burdened 24% 24% 24% 23% 24% 23% 23% 23% Other Not Rent Burdened 47% 46% 46% 48% 48% 50% 49% 50% Moderately Rent Burdened 24% 25% 24% 24% 24% 24% 24% 24% Severely Rent Burdened 29% 29% 29% 28% 28% 26% 26% 26% Source: U.S. Government Accountability Office 28 Homeowners Figure 20 shows that the median housing value for owner-occupied units in the urbanized area increased substantially between 2014 and 2019. The greatest increases in housing value are found in Tiffin at 30% and North Liberty at 27%. The highest median home value was reported in University Heights at $295,700. Figure 20: Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates $189,300$185,500$173,500$179,000$252,900$126,300$227,700$215,100$220,800$233,000$295,700$147,800$ $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 Coralville Iowa City North Liberty Tiffin University Heights Iowa Median Housing Value -Owner Occupied 2014 2019 29 Overall, the urbanized area has been making strides in homeownership cost burden. Every jurisdiction except for Coralville had a decrease in their proportion of severely cost-burdened homeowners between 2014 and 2019. Even though Coralville decreased their proportion of cost-burdened owners, the increase of severely cost-burdened owners indicates that some homeowners are increasingly being unable to afford their homes. Every jurisdiction except for Tiffin also had a decrease in their proportion of cost -burdened owners, with North Liberty’s proportion of cost-burdened owners decreasing the by greatest percentage (almost 50%). Figure 21: Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates Table 17: Cost-burdened homeowners by region, county, and state Year Urbanized Area Johnson County Iowa Total % Total % Total % 2014 3,172 13.7% 4,341 13.3% 105,093 11.9% 2019 2,742 11.0% 3,925 11.3% 92,922 10.3% Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates Table 18: Severely cost-burdened homeowners by region, county, and state Year Urbanized Area Johnson County Iowa Total % Total % Total % 2014 1,323 5.7% 1,787 5.5% 54,583 6.2% 2019 1,252 5.0% 1,758 5.1% 51,819 5.8% Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates The U.S. Government Accountability Office (GAO) had some information on rental affordability based on race, but does not have any information on homeownership affordability based on race. Even the Census has never recorded this specific data. With this data, a picture of the racial disparities present in housing affordability could become clearer. 14.2%13.5%12.9%10.8%16.4%8.8%10.6%14.3%8.5%6.5%1.8%3.2%6.8%6.3%5.5%2.5%6.3%5.8%11.3%8.6%0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 2014 2019 2014 2019 2014 2019 2014 2019 2014 2019 Coralville Iowa City North Liberty Tiffin University Heights Proportion of Cost-Burdened Owners by Jurisdiction Cost Burdened Severely Cost Burdened 30 Income versus Housing Cost Coralville, Iowa City, and North Liberty have all had slower growth in income than in housing value while Tiffin and University Heights have had higher rates of income change than housing value. Figure 23: Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates -6.6% 7.9%7.3% 42.9% 20.9%20.3% 16.0% 27.3% 30.2% 16.9% -10% 0% 10% 20% 30% 40% 50% Coralville Iowa City North Liberty Tiffin University Heights Percent Change in Median Housing Value and Median Household Income by Jurisdiction, 2014-2019 Median Income Change Median Housing Value Change 31 Cost Burden Illustrated The National Low Income Housing Coalition’s (NLIHC) annual publication Out of Reach provides data on housing affordability for metropolitan areas, counties, and states. The hourly wage necess ary to afford a 2- bedroom rental unit at Fair Market Rent (FMR) ($1,011) in Johnson County is $19.44, or an annual salary of $40,440. According to data from the Iowa Wage Report, the average salary for eight of the 21 employment sectors in Johnson County are not high enough to afford the fair market rent on a two-bedroom unit in Johnson County. These eight employment sectors account for over half of the employees in Johnson County. To illustrate the magnitude of cost burden in the urbanized area, Figure 23 compares the median gross rent in each community for 2019 versus 30 percent of mean full-time wages for the two industries with the largest workforces. Combined, the Office and Administrative Support and Food Preparation and Serving industries employ more than one in five workers in the urbanized area. The food services industry had the lowest mean salary of any sector - $24,928 in 2019. The office and administration industry employs the largest proportion of workers in the urbanized area at 12%, with a mean salary of $40,137. Figure 23 also illustrates that employees in each industry would have a difficult time finding affordable rental housing in the area. Figure 23: Source: Iowa Wage Survey, 2020 & U.S. Census Bureau ACS 2015-2019 5-Year Estimates Table 19: Change in median gross rental cost by jurisdiction (adjusted for inflation) Median Gross Rent Coralville Iowa City North Liberty Tiffin University Heights 2014 $797 $874 $1,019 $934 $1,300 2019 $896 $967 $1,110 $994 $1,500 Change (%) 12.4% 10.6% 9.0% 6.4% 15.4% Source: U.S. Census Bureau ACS 2015-2019 & 2010-2014 5-Year Estimates $896 $967 $1,110 $994 $1,500 $623 $1,003 $- $200 $400 $600 $800 $1,000 $1,200 $1,400 $1,600 Coralville Iowa City North Liberty Tiffin University Heights Median Gross Rent vs. 30% of Monthly Wages by Selected Industries 2019 Median Gross Rent 30% of full time monthly wages, Food Preparation and Serving Related 30% of full time monthly wages, Office and Administrative Support 32 To cover median Iowa City rental costs in 2019, a single-income, full-time employee in food services making the average salary for that industry would expect to allocate almost half of their earnings towards rent. An office worker with an average salary would expect to spend just under 30% of their income, falling just below the cost-burden threshold. These proportions are relatively similar for all metro communities with the exception of University Heights, which has a markedly higher median rent. Renters in University Heights earning the average salary in office and administrative support positions and food preparation/serving would be cost burdened and severely cost burdened respectively. Figure 24: Source: U.S. Census Bureau ACS 2015-2019 5-Year Estimates Barriers to Homeownership Homeownership would also likely be unaffordable for many workers in these sectors, especially when considering the added costs of property taxes, utilities, and homeowners’ insurance. A single-income office worker can afford to spend no more than $1,002 monthly (30% of average monthly wages) on homeownership. Estimates from the American Housing Survey (2019) show that in urbanized areas across the country the average monthly cost for insurance is: $91, utilities: $227, property tax: $349, which totals to $667, leaving only $335 for a potential mortgage payment. With over half of the local workforce in occupations that pay less than the local ‘housing wage’ for an average salary the opportunity for renters to save enough money for a down payment and move towards homeownership seems out of reach for many workers. 27% 29% 33% 30% 45% 43% 47% 53% 48% 72% 0%10%20%30%40%50%60%70%80% Coralville Iowa City North Liberty Tiffin University Heights Percent of Monthly Wage Needed to Pay Median Rent (2019) for Selected Industries Office and Administrative Support Food Prep. and Serving 33 Appendix A Figure A-1 below illustrates the complete distribution of population by race for all communities in the urbanized area, with county and state comparisons. PercentTotalPercentTotalPercentTotalPercentTotalPercentTotalPercentTotalPercentTotalPercentTotalWhite79.6%15,67181.0%57,17890.0%13,05388.1%1,69396.6%1,17386.3%136,94784.8%116,05991.4%2,813,097Black or African American9.5%1,8625.8%4,0925.3%7731.1%210.7%84.5%7,2065.1%7,0213.1%95,716American Indian and Alaska Native0.2%460.3%2220.0%00.0%00.0%00.2%3230.2%3160.3%9,688Asian7.7%1,5128.0%5,6182.7%3890.8%161.2%145.0%7,9545.7%7,8551.9%59,726Native Hawaiian and Other Pacific Islander0.0%00.3%2240.0%00.0%00.0%00.1%2350.2%2240.1%1,715Some other race1.6%3122.0%1,4050.2%315.7%1090.0%01.7%2,7611.7%2,3711.3%39,953Two or more races1.4%2742.6%1,8581.8%2574.3%821.6%192.1%3,2822.2%2,9561.9%58,221Hispanic or Latino (of any race)5.6%1,1045.2%3,6856.2%89512.9%2482.2%275.2%8,2235.2%7,0465.3%163,110PercentTotalPercentTotalPercentTotalPercentTotalPercentTotalPercentTotalPercentTotalPercentTotalWhite71.4%15,05778.5%58,85087.5%16,46989.8%3,00983.7%97083.5%142,45181.7%121,40890.0%2,826,070Black or African American13.4%2,8228.3%6,2035.7%1,0671.9%649.0%1046.4%10,9877.3%10,8153.7%116,359American Indian and Alaska Native0.1%290.2%1840.0%00.9%310.7%80.2%3460.2%2880.4%11,976Asian11.1%2,3327.3%5,5013.8%7232.6%863.7%435.5%9,4036.2%9,2712.4%75,741Native Hawaiian and Other Pacific Islander0.0%60.1%830.1%130.0%00.0%00.1%1060.1%1020.1%3,729Some other race2.4%5162.8%2,0720.9%1741.2%410.2%22.1%3,6312.2%3,2391.2%39,048Two or more races1.6%3412.7%2,0572.0%3833.6%1202.8%322.2%3,7532.3%3,4542.1%66,585Hispanic or Latino (of any race)6.9%1,4495.8%4,3564.4%8318.3%2795.2%605.7%9,7085.6%8,3456.0%188,311Johnson CountyIowaUrbanized AreaJohnson CountyIowa2019CoralvilleIowa CityNorth LibertyTiffinU HeightsUrbanized Area2014CoralvilleIowa CityNorth LibertyTiffinU Heights 34 Appendix B This appendix provides information about the renter and owner rates by race for 2014 and 2019. All data for the following charts was gathered from the U.S. Census Bureau American Community Survey 2010 - 2014 and 2015-2019 5-Year Estimates. Figure B-1 illustrates the rates of owning versus renting by race and by jurisdiction, county, and state in 2014. Figure B-1 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Coralville Owner vs. Renter by Race, 2014 Renter-occupied housing units Owner-occupied housing units 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Iowa City Owner vs. Renter by Race, 2014 Renter-occupied housing units Owner-occupied housing units 35 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races North Liberty Owner vs. Renter by Race, 2014 Renter-occupied housing units Owner-occupied housing units 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Tiffin Owner vs. Renter by Race, 2014 Renter-occupied housing units Owner-occupied housing units 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races University Heights Owner vs. Renter by Race, 2014 Renter-occupied housing units Owner-occupied housing units 36 Figure B-2 illustrates the rates of owning versus renting by race and by jurisdiction, county, and state in 2019. Figure B-2 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Johnson County Owner vs. Renter by Race, 2014 Renter-occupied housing units Owner-occupied housing units 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Iowa Owner vs. Renter by Race, 2014 Renter-occupied housing units Owner-occupied housing units 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Coralville Owner vs. Renter by Race, 2019 Percent Renter-Occupied Percent Owner-occupied 37 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Iowa City Owner vs. Renter by Race, 2019 Percent Renter-Occupied Percent Owner-occupied 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races North Liberty Owner vs. Renter by Race, 2019 Percent Renter-Occupied Percent Owner-occupied 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Tiffin Owner vs. Renter by Race, 2019 Percent Renter-Occupied Percent Owner-occupied 38 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races University Heights Owner vs. Renter by Race, 2019 Percent Renter-Occupied Percent Owner-occupied 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Johnson County Owner vs. Renter by Race, 2019 Percent Renter-Occupied Percent Owner-occupied 0%10%20%30%40%50%60%70%80%90%100% White Black or African American American Indian and Alaska Native Asian Native Hawaiian and Other Pacific Islander Some other race Two or more races Iowa Owner vs. Renter by Race, 2019 Iowa Percent Renter-Occupied Iowa Percent Owner-occupied