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Mortgage delinquency and changes in access to health resources and depressive symptoms in a nationally representative cohort of Americans older than 50 years

Author

Listed:
  • Alley, D.E.
  • Lloyd, J.
  • Pagán, J.A.
  • Pollack, C.E.
  • Shardell, M.
  • Cannuscio, C.

Abstract

Objectives: We evaluated associations between mortgage delinquency and changes in health and health-relevant resources over 2 years, with data from the Health and Retirement Study, a longitudinal survey representative of US adults older than 50 years. Methods: In 2008, participants reported whether they had fallen behind on mortgage payments since 2006 (n=2474). We used logistic regression to compare changes in health (incidence of elevated depressive symptoms, major declines in self-rated health) and access to health-relevant resources (food, prescription medications) between participants who fell behind on their mortgage payments and those who did not. Results: Compared with nondelinquent participants, the mortgage-delinquent group had worse health status and less access to health-relevant resources at baseline. They were also significantly more likely to develop incident depressive symptoms (odds ratio [OR]=8.60; 95% confidence interval [CI]=3.38, 21.85), food insecurity (OR=7.53; 95% CI=3.01, 18.84), and cost-related medication nonadherence (OR=8.66; 95% CI=3.72, 20.16) during follow-up. Conclusions: Mortgage delinquency was associated with significant elevations in the incidence of mental health impairments and health-relevant material disadvantage. Widespread mortgage default may have important public health implications.

Suggested Citation

  • Alley, D.E. & Lloyd, J. & Pagán, J.A. & Pollack, C.E. & Shardell, M. & Cannuscio, C., 2011. "Mortgage delinquency and changes in access to health resources and depressive symptoms in a nationally representative cohort of Americans older than 50 years," American Journal of Public Health, American Public Health Association, vol. 101(12), pages 2293-2298.
    • Handle: RePEc:aph:ajpbhl:10.2105/ajph.2011.300245_9
    DOI: 10.2105/AJPH.2011.300245
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    Cited by:

    1. Mason, Kate E. & Baker, Emma & Blakely, Tony & Bentley, Rebecca J., 2013. "Housing affordability and mental health: Does the relationship differ for renters and home purchasers?," Social Science & Medicine, Elsevier, vol. 94(C), pages 91-97.
    2. Naijie Guan & Alessandra Guariglia & Patrick Moore & Fangzhou Xu & Hareth Al-Janabi, 2022. "Financial stress and depression in adults: A systematic review," PLOS ONE, Public Library of Science, vol. 17(2), pages 1-20, February.
    3. Vásquez-Vera, Hugo & Palència, Laia & Magna, Ingrid & Mena, Carlos & Neira, Jaime & Borrell, Carme, 2017. "The threat of home eviction and its effects on health through the equity lens: A systematic review," Social Science & Medicine, Elsevier, vol. 175(C), pages 199-208.
    4. Jacqueline Warth & Marie-Therese Puth & Ulrike Zier & Niklas Beckmann & Johannes Porz & Judith Tillmann & Klaus Weckbecker & Hans Bosma & Birgitta Weltermann & Eva Münster, 2020. "Patient-physician communication about financial problems: A cross-sectional study among over-indebted individuals," PLOS ONE, Public Library of Science, vol. 15(5), pages 1-14, May.
    5. Houle, Jason N., 2014. "Mental health in the foreclosure crisis," Social Science & Medicine, Elsevier, vol. 118(C), pages 1-8.
    6. Benjian Wu & Yi Cui & Yushuo Jiang, 2022. "The Role of Microfinance in China’s Rural Public Health: Evidence from the Anti-Poverty Microcredit Program," IJERPH, MDPI, vol. 19(17), pages 1-22, August.
    7. Leigh Ann Leung & Catherine Lau, 2017. "Effect of mortgage indebtedness on health of U.S. homeowners," Review of Economics of the Household, Springer, vol. 15(1), pages 239-264, March.
    8. Amar Hamoudi & Jennifer Beam Dowd, 2014. "Editor's choice Housing Wealth, Psychological Well-being, and Cognitive Functioning of Older Americans," The Journals of Gerontology: Series B, The Gerontological Society of America, vol. 69(2), pages 253-262.
    9. Jenni Blomgren & Nico Maunula & Heikki Hiilamo, 2016. "Over-indebtedness and chronic disease: a linked register-based study of Finnish men and women during 1995–2010," International Journal of Public Health, Springer;Swiss School of Public Health (SSPH+), vol. 61(5), pages 535-544, June.
    10. Alexander C Tsai, 2015. "Home Foreclosure, Health, and Mental Health: A Systematic Review of Individual, Aggregate, and Contextual Associations," PLOS ONE, Public Library of Science, vol. 10(4), pages 1-21, April.
    11. Sarah A. Burgard & Jennifer A. Ailshire & Lucie Kalousova, 2013. "The Great Recession and Health," The ANNALS of the American Academy of Political and Social Science, , vol. 650(1), pages 194-213, November.
    12. Jacqueline Warth & Niklas Beckmann & Marie-Therese Puth & Judith Tillmann & Johannes Porz & Ulrike Zier & Klaus Weckbecker & Birgitta Weltermann & Eva Münster, 2020. "Association between over-indebtedness and antidepressant use: A cross-sectional analysis," PLOS ONE, Public Library of Science, vol. 15(7), pages 1-11, July.
    13. Downing, Janelle, 2016. "The health effects of the foreclosure crisis and unaffordable housing: A systematic review and explanation of evidence," Social Science & Medicine, Elsevier, vol. 162(C), pages 88-96.
    14. Kenneth Chatindiara & Lochner Marais & Jan Cloete, 2022. "Housing and Child Health in South Africa: The Value of Longitudinal Research," IJERPH, MDPI, vol. 19(5), pages 1-12, February.
    15. Swope, Carolyn B. & Hernández, Diana, 2019. "Housing as a determinant of health equity: A conceptual model," Social Science & Medicine, Elsevier, vol. 243(C).
    16. Hoke, Morgan K. & Boen, Courtney E., 2021. "The health impacts of eviction: Evidence from the national longitudinal study of adolescent to adult health," Social Science & Medicine, Elsevier, vol. 273(C).
    17. Cäzilia Loibl & Alec P. Rhodes & Stephanie Moulton & Donald Haurin & Chrisse Edmunds, 2022. "Food insecurity among older adults in the U.S.: The role of mortgage borrowing," Applied Economic Perspectives and Policy, John Wiley & Sons, vol. 44(2), pages 549-574, June.
    18. Gill, Balbinder Singh, 2023. "Health uninsurance premium and mortgage interest rates," International Review of Financial Analysis, Elsevier, vol. 87(C).

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