Employment Access, Residential Location and Homeownership
Large racial differences in home ownership have been a source of considerable concernamong policymakers because homeownership choice may influence wealth accumulation, labormarket outcomes, and even children's educational outcomes. Racial differences in ownershiprates may be affected by discrimination (Kain and Quigley, 1972), and extensive literaturesexamine real estate broker and mortgage lender treatment of minorities, see for example Yinger(1992) and Munnell et. al. (1996). In a direct examination of the ownership choice, Linnemanand Wachter (1989) find no significant racial differences in ownership among households whoare not wealth constrained in terms of standard downpayment requirements, but Gyourko,Linneman, and Wachter (1997a) find that among constrained households whites are more likelyto own than equivalent minorities.
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- Kain, John F & Quigley, John Michael, 1972. "Housing Market Discrimination, Homeownership, and Savings Behavior," American Economic Review, American Economic Association, vol. 62(3), pages 263-277, June.
- Goodman, Allen C. & Kawai, Masahiro, 1982. "Permanent income, hedonic prices, and demand for housing: New evidence," Journal of Urban Economics, Elsevier, vol. 12(2), pages 214-237, September.
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