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FHA, Racial Discrimination and Urban Mortgages

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  • David J. Fullerton
  • C. Duncan MacRae

Abstract

The empirical validity of two propositions regarding FHA unsubsidized single‐family activity are explored at the neighborhood level in this paper. The propositions are first that FHA serves moderate‐to‐middle‐income families, not low‐income families who live in the inner city nor high‐income families who live in the outer suburbs; and second that all other things being equal, black owner‐occupants are more likely to have an FHA‐insured mortgage than are whites Two methods of analysis are performed: mapping and regression. First, 1974 FHA activity in the Philadelphia metropolitan area is mapped by race—black and white—and program—203(b), 221(d)(2), and 223(e)—at the census tract level. Then, the FHA activity by race and by program is regressed on 1970 neighborhood housing and population characteristics, again, using the census tract as the unit of observation. The results of the analysis provide support for both propositions. In Philadelphia in 1974, FHA is to a degree a border program differentially serving blacks.

Suggested Citation

  • David J. Fullerton & C. Duncan MacRae, 1978. "FHA, Racial Discrimination and Urban Mortgages," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 6(4), pages 451-470, December.
    • Handle: RePEc:bla:reesec:v:6:y:1978:i:4:p:451-470
    DOI: 10.1111/1540-6229.00191
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    Cited by:

    1. Hazel A. Morrow-Jones, 1986. "Neighbourhood Change and the Federal Housing Administration: Some Theoretical and Empirical Issues," Urban Studies, Urban Studies Journal Limited, vol. 23(5), pages 419-428, October.

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