IDEAS home Printed from https://ideas.repec.org/a/gam/jdisab/v4y2024i4p68-1104d1540408.html
   My bibliography  Save this article

Supplemental Security Income (SSI) Receipt and Access to Homeownership for People with Disabilities

Author

Listed:
  • Megan Henly

    (Institute on Disability, University of New Hampshire, Durham, NH 03824, USA)

Abstract

People with disabilities disproportionately face barriers to homeownership, many of which are associated with costs. One related, but unexplored barrier to homeownership in the United States (U.S.) is the role of Supplemental Security Income (SSI) policy. SSI is a means-tested federal program in the U.S. that provides monthly income to those who are blind or disabled. Recipients may not own assets totaling more than USD 2000 (or 3000 per married couple). While homes are excluded from this assessment, the strict cap on savings generally means that SSI recipients who do not already own a home when they begin to receive benefits cannot accrue sufficient savings to qualify for a mortgage. Using data from the 2019 American Community Survey, this analysis explores the relative importance of SSI receipt in predicting rate of homeownership by using logistic regression to examine the effect of having a disability and receiving SSI on the odds of homeownership. Marginal effects identify the average predicted probabilities of homeownership to demonstrate the extent to which SSI receipt is related to each category of disability and race differently, suggesting that this policy may be related to a lower rate of homeownership for people with disabilities.

Suggested Citation

  • Megan Henly, 2024. "Supplemental Security Income (SSI) Receipt and Access to Homeownership for People with Disabilities," Disabilities, MDPI, vol. 4(4), pages 1-12, December.
    • Handle: RePEc:gam:jdisab:v:4:y:2024:i:4:p:68-1104:d:1540408
    as

    Download full text from publisher

    File URL: https://www.mdpi.com/2673-7272/4/4/68/pdf
    Download Restriction: no
    File URL: https://www.mdpi.com/2673-7272/4/4/68/
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Manasi Deshpande & Tal Gross & Yalun Su, 2019. "Disability and Distress: The Effect of Disability Programs on Financial Outcomes," Working Papers 2019-020, Human Capital and Economic Opportunity Working Group.
    2. Ricks, Judith S., 2021. "Mortgage subsidies, homeownership, and marriage: Effects of the VA loan program," Regional Science and Urban Economics, Elsevier, vol. 87(C).
    3. Richard Williams, 2012. "Using the margins command to estimate and interpret adjusted predictions and marginal effects," Stata Journal, StataCorp LP, vol. 12(2), pages 308-331, June.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Sakaue, Katsuki, 2018. "Informal fee charge and school choice under a free primary education policy: Panel data evidence from rural Uganda," International Journal of Educational Development, Elsevier, vol. 62(C), pages 112-127.
    2. Craig Gundersen & David R. Just & Fei Men, 2017. "Mothers' Within-Marriage Economic Prospects and Later Food Security: Does Marital Outcome Matter?," Journal of Consumer Affairs, Wiley Blackwell, vol. 51(3), pages 682-702, November.
    3. K. P. Kannan, 2022. "India’s Elusive Quest for Inclusive Development: An Employment Perspective," The Indian Journal of Labour Economics, Springer;The Indian Society of Labour Economics (ISLE), vol. 65(3), pages 579-623, September.
    4. Brache, Jose & Felzensztein, Christian, 2019. "Exporting firm’s engagement with trade associations: Insights from Chile," International Business Review, Elsevier, vol. 28(1), pages 25-35.
    5. Allain, Marie-Laure & Chambolle, Claire & Rey, Patrick & Teyssier, Sabrina, 2021. "Vertical integration as a source of hold-up: An experiment," European Economic Review, Elsevier, vol. 137(C).
    6. Liu, Yulong & Yu, Yang, 2018. "Institutions, firm resources and the foreign establishment mode choices of Chinese firms: The moderating role of home regional institutional development," Journal of Business Research, Elsevier, vol. 93(C), pages 111-121.
    7. Anna Garriga & Sebastià Sarasa & Paolo Berta, 2015. "Mother’s educational level and single motherhood: Comparing Spain and Italy," Demographic Research, Max Planck Institute for Demographic Research, Rostock, Germany, vol. 33(42), pages 1165-1210.
    8. E. Keith Smith & Dennis Kolcava & Thomas Bernauer, 2024. "Stringent sustainability regulations for global supply chains are supported across middle-income democracies," Nature Communications, Nature, vol. 15(1), pages 1-12, December.
    9. Zou, Baoling & Mishra, Ashok K. & Luo, Biliang, 2018. "Aging population, farm succession, and farmland usage: Evidence from rural China," Land Use Policy, Elsevier, vol. 77(C), pages 437-445.
    10. Katie M. Jajtner & Sophie Mitra & Christine Fountain & Austin Nichols, 2020. "Rising Income Inequality Through a Disability Lens: Trends in the United States 1981–2018," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 151(1), pages 81-114, August.
    11. Pedro Garcia‐del‐Barrio & Pablo Agnese, 2023. "To comply or not to comply? How a UEFA wage‐to‐revenue requirement might affect the sport and managerial performance of soccer clubs," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 44(2), pages 767-786, March.
    12. Sen, Kanchan Kumar & Karmaker, Shamal Chandra & Hosan, Shahadat & Chapman, Andrew J. & Uddin, Md Kamal & Saha, Bidyut Baran, 2023. "Energy poverty alleviation through financial inclusion: Role of gender in Bangladesh," Energy, Elsevier, vol. 282(C).
    13. Kimberlee A. Shauman, 2017. "Gender Differences in the Early Employment Outcomes of STEM Doctorates," Social Sciences, MDPI, vol. 6(1), pages 1-26, March.
    14. Lisette Ibanez & Sébastien Roussel, 2022. "The impact of nature video exposure on pro-environmental behavior: An experimental investigation," Post-Print hal-03847453, HAL.
    15. Goodwill, Janelle R., 2022. "Which coping strategies moderate the depression-suicide ideation link in Black college students? A psychometric investigation," Children and Youth Services Review, Elsevier, vol. 138(C).
    16. Mariarosaria Agostino & Sabrina Ruberto, 2024. "Credit rationing and SMEs’ environmental performance in transition and developing countries," Environment, Development and Sustainability: A Multidisciplinary Approach to the Theory and Practice of Sustainable Development, Springer, vol. 26(7), pages 16627-16656, July.
    17. Dicks, Alexander & Levels, Mark, 2022. "NEET during the School-to-Work Transition in the Netherlands," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, pages 25-55.
    18. Melih Erdem & Hasan Burak Ağır, 2024. "Enhancing Dairy Farm Welfare: A Holistic Examination of Technology Adoption and Economic Performance in Kahramanmaraş Province, Turkey," Sustainability, MDPI, vol. 16(7), pages 1-22, April.
    19. Olive Umuhire Nsababera & Vibhuti Mendiratta & Hannah Sam, 2023. "The Impact of COVID-19 on Household Welfare in the Comoros: The Experience of a Small Island Developing State," Global Perspectives on Wealth and Distribution, in: Shirley Johnson-Lans (ed.), The Coronavirus Pandemic and Inequality, chapter 0, pages 141-195, Palgrave Macmillan.
    20. Sarel, Roee & Demirtas, Melanie, 2021. "Delegation in a multi-tier court system: Are remands in the U.S. federal courts driven by moral hazard?," European Journal of Political Economy, Elsevier, vol. 68(C).

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:gam:jdisab:v:4:y:2024:i:4:p:68-1104:d:1540408. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: MDPI Indexing Manager (email available below). General contact details of provider: https://www.mdpi.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.