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MORTGAGE
Mortgage status

Description

MORTGAGE indicates whether an owner-occupied housing unit was owned free and clear or was encumbered by a mortgage, loan, or other type of debt. (See also OWNERSHP.)

Codes and Frequencies



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Comparability

A "yes" or "no" response means the same thing for all years, but the universe shifts considerably. Note that owners living in part of a multi-unit structure were included for the 1900-1920 and 2000 censuses, the ACS, and the PRCS but not for the 1980-1990 censuses.

In 1910 (U.S. census), some enumerators simply entered a check mark in response to the census question, "Home owned or rented?" These responses are coded separately, since it is not clear what the check mark signifies. The makers of the original 1910 PUMS sample (which has a SAMP1910 value of 5 in the 1910 Weighted sample) interpreted a check mark as "owns."

Universe

  • 1900: Owner-occupied housing units. Not available in Alaska.
  • 1910-1920: Owner-occupied housing units.
  • 1930: Owner-occupied housing units; available for Hawaii only.
  • 1970: Owner-occupied housing units; available for Puerto Rico only.
  • 1980: Owner-occupied single-unit houses (not mobile homes or condominiums) on less than ten acres, with no business or medical office on property; not group quarters.
  • 1990: Owner-occupied single-unit houses, mobile homes, and condominiums; not group quarters.
  • 2000: Owner-occupied houses, mobile homes, and condominiums; not group quarters.
  • ACS, PRCS: Owner-occupied houses, mobile homes, and condominiums; not group quarters.

Availability

United States
  • 2016: All samples
  • 2015: All samples
  • 2014: All samples
  • 2013: All samples
  • 2012: All samples
  • 2011: All samples
  • 2010: ACS; ACS 3yr; ACS 5yr
  • 2009: All samples
  • 2008: All samples
  • 2007: All samples
  • 2006: All samples
  • 2005: All samples
  • 2004: All samples
  • 2003: All samples
  • 2002: All samples
  • 2001: All samples
  • 2000: All samples
  • 1990: All samples
  • 1980: All samples
  • 1970: --
  • 1960: --
  • 1950: --
  • 1940: --
  • 1930: 1%; 5%
  • 1920: All samples
  • 1910: All samples
  • 1900: All samples
  • 1880: --
  • 1870: --
  • 1860: --
  • 1850: --
Puerto Rico
  • 2016: All samples
  • 2015: All samples
  • 2014: All samples
  • 2013: All samples
  • 2012: All samples
  • 2011: All samples
  • 2010: PRCS; PRCS 3yr; PRCS 5yr
  • 2009: All samples
  • 2008: All samples
  • 2007: All samples
  • 2006: All samples
  • 2005: All samples
  • 2000: All samples
  • 1990: All samples
  • 1980: All samples
  • 1970: All samples
  • 1930: All samples
  • 1920: All samples
  • 1910: All samples

Flags

QMORTGAG 

Editing Procedure


MORTGAGE (Mortgage status)

ACS Years: 2005, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015

ACS editing procedure:

If the value for having a mortgage (MORTGAGE) for an owner-occupied unit with a mortgage (OWNERSHP) is "No" or "Blank, Don't Know, Refused, or Bad Value", but the amount of the mortgage payment (MORTAMT1) is between 1 and 99,999, the value of MORTGAGE will be allocated as "Yes, mortgage, deed of trust, etc."

If the value for having a mortgage (MORTGAGE) for an owner-occupied unit with a mortgage (OWNERSHP) is "No" or "Blank, Don't Know, Refused, or Bad Value" and MORTAMT1 is 0, but the amount of another mortgage payment is between 1 and 99,999, the value of MORTGAGE will be allocated as "Yes, mortgage, deed of trust, etc." MORTAMT1 will be replaced with the other reported mortgage payment.

If the value for having a mortgage (MORTGAGE) for an owner-occupied unit with a mortgage (OWNERSHP) "Yes" but MORTAMT1 is "Blank, Don't Know, Refused, or Bad Value", and the amount of another mortgage payment is between 1 and 99,999, the value MORTAMT1 will be replaced with the other reported mortgage payment.

If the value for having a mortgage (MORTGAGE) for an owner-occupied unit with a mortgage (OWNERSHP) is "No" or "Blank, Don't Know, Refused, or Bad Value" and MORTAMT1 is 0 or "Blank, Don't Know, Refused, or Bad Value, but there is a home equity loan, the value of MORTGAGE will be allocated as "Yes, mortgage, deed of trust, etc." MORTAMT1 will be replaced with the other reported mortgage payment.

If the reported mortgage payment (MORTAMT1) and mortgage status (MORTGAGE) are 0 or "Blank, Don't Know, Refused, or Bad Value" for a unit that is owner-occupied with a mortgage (OWNERSHP), MORTGAGE and MORTAMT1 will be allocated. The allocated value is the MORTGAGE and MORTAMT1 values from another owner-occupied unit of the same type of building (UNITSSTR, which shows if a building is a mobile home, detached single family, or attached single family), similar value (VALUEH). When this happens, the flag will show that the value is allocated (QMORTGAG MORTAMT1).

If the reported mortgage status (MORTGAGE) is not "No" for a unit that is owner-occupied without a mortgage (OWNERSHP), MORTGAGE will be replaced with "No." MORTAMT1 will be replaced with "Not in universe."

MORTGAGE and MORTAMT1 will be replaced with "Not in Universe" for all renter-occupied or vacant units (OWNERSHP VACANCY).

Internal ACS variable : MRGX