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Location Efficiency and Mortgage Risks for Low-Income Households

Author

Listed:
  • Nikhil Kaza
  • Sarah F. Riley
  • Roberto G. Quercia
  • Chao Yue Tian

Abstract

Household energy expenditures, especially for transportation, are fairly inelastic. Their effects on low-income households may be significant, due to the potential for energy consumption to displace other types of consumption when energy prices rise. Using accessibility as a proxy for lower transportation costs, we test the hypothesis that low- and moderate-income residents are less likely default when they are located in more accessible places. We find that regional accessibility has almost no effect on risks of default, but local job diversity has moderate mitigating effect.

Suggested Citation

  • Nikhil Kaza & Sarah F. Riley & Roberto G. Quercia & Chao Yue Tian, 2016. "Location Efficiency and Mortgage Risks for Low-Income Households," Housing Policy Debate, Taylor & Francis Journals, vol. 26(4-5), pages 750-765, September.
    • Handle: RePEc:taf:houspd:v:26:y:2016:i:4-5:p:750-765
    DOI: 10.1080/10511482.2016.1159972
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    Cited by:

    1. Louis-Gaëtan Giraudet & Anna Petronevich & Laurent Faucheux, 2021. "Differentiated green loans," Post-Print hal-01890636, HAL.
    2. Yosi Borochov & Boris A. Portnov, 2021. "Estimating Environmentally Adjusted Risks of Mortgage Arrears for Different Socioeconomic Groups of Borrowers," European Research Studies Journal, European Research Studies Journal, vol. 0(2), pages 595-620.
    3. Giraudet, Louis-Gaëtan & Petronevich, Anna & Faucheux, Laurent, 2021. "Differentiated green loans," Energy Policy, Elsevier, vol. 149(C).
    4. Thomas W. Sanchez, 2021. "Exploring the Relationship between Combined Household Housing and Transportation Costs and Regional Economic Activity in Virginia," Land, MDPI, vol. 10(7), pages 1-10, July.

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