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Recent Trends in Homeownership

Resource Type
Dataset : survey data
  • Garriga, Carlos (Florida State University)
  • Gavin, William T. (Federal Reserve Bank of St. Louis)
  • Schlagenhauf, Don (Florida State University)
Other Title
  • Archival Version (Subtitle)
Publication Date
Funding Reference
  • Federal Reserve Bank of St. Louis. Research Division
Free Keywords
home owners; home ownership; mortgage companies; mortgages
  • Abstract

    The homeownership rate began to trend upward in 1995 after years of being relatively constant, near 64 percent. This article describes recent changes in the share of United States housing that is owner-occupied and explores the reasons for the surprising rise over the past decade. Explanations that have been offered include demographics, low mortgage rates, changes in housing policy, and innovations in the mortgage financial market. Of all these explanations, the most plausible one is that innovations in the financial markets increased access to mortgage finance, mainly by reducing downpayment constraints and allowing younger people to buy homes.
  • Table of Contents


    • DS1: Dataset
Geographic Coverage
  • United States
Collection Mode
  • (1) The file submitted is the data file 0609wgd.xls. (2) These data are part of ICPSR's Publication-Related Archive and are distributed exactly as they arrived from the data depositor. ICPSR has not checked or processed this material. Users should consult the investigators if further information is desired.

This version of the study is no longer available on the web. If you need to acquire this version of the data, you have to contact ICPSR User Support (
Alternative Identifiers
  • 1338 (Type: ICPSR Study Number)
  • Is previous version of
    DOI: 10.3886/ICPSR01338.v1
  • Garriga, Carlos, Gavin, William T., Schlagenhauf, Don. Recent trends in homeownership. Federal Reserve Bank of St. Louis Review.88, (5), 397-411.2006.

Update Metadata: 2015-08-05 | Issue Number: 6 | Registration Date: 2015-06-15

Garriga, Carlos; Gavin, William T.; Schlagenhauf, Don (2006): Recent Trends in Homeownership. Archival Version. Version: v0. ICPSR - Interuniversity Consortium for Political and Social Research. Dataset.