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Leverage and House-Price Dynamics in U.S. Cities
Lamont, Owen A.; Stein, Jeremy C. - 2021
In this paper, we use city-level data to analyze the relationship between homeowner borrowing patterns and house-price dynamics. Our principal finding is that in cities where homeowners are more leveraged--i.e., have higher loan-to-value ratios--house prices react more sensitively to...
Persistent link: https://www.econbiz.de/10013233018
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Long-Term Neighborhood Effects on Low-Income Families : Evidence from Moving to Opportunity
Ludwig, Jens - 2013
We examine long-term neighborhood effects on low-income families using data from the Moving to Opportunity (MTO) randomized housing-mobility experiment, which offered some public-housing families but not others the chance to move to less-disadvantaged neighborhoods. We show that 10-15 years...
Persistent link: https://www.econbiz.de/10013087065
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Who Gentrifies Low-Income Neighborhoods?
McKinnish, Terra - 2010
This paper uses confidential Census data, specifically the 1990 and 2000 Census Long Form data, to study the demographic processes underlying the gentrification of low-income urban neighborhoods during the 1990's. In contrast to previous studies, the analysis is conducted at the more refined...
Persistent link: https://www.econbiz.de/10012759305
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Optimal Drug Policy in Low-Income Neighborhoods
Chang, Sheng-Wen; Coulson, N. Edward; Wang, Ping - 2021
Part of the debate over the control of drug activity in cities is concerned with the effectiveness of implementing demand- versus supply-side drug policies. This paper is motivated by the relative lack of research providing formal economic underpinning for the implementation of either policy. We...
Persistent link: https://www.econbiz.de/10013234048
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Fraudulent Income Overstatement on Mortgage Applications During the Credit Expansion of 2002 to 2005
Mian, Atif R. - 2015
Academic research, government inquiries, and press accounts show extensive mortgage fraud during the housing boom of … the mid-2000s. We explore a particular type of mortgage fraud: the overstatement of income on mortgage applications. We … define “income overstatement” in a zip code as the growth in income reported on home-purchase mortgage applications minus the …
Persistent link: https://www.econbiz.de/10013028534
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Racial Residential Segregation in American Cities
Boustan, Leah Platt - 2013
This chapter examines the causes and consequences of black-white residential segregation in the United States. Segregation can arise through black self-segregation, collective action to exclude blacks from white neighborhoods, or individual mobility of white households. Historically, whites used...
Persistent link: https://www.econbiz.de/10013082146
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Race, Segregation, and Postal Employment : New Evidence on Spatial Mismatch
Boustan, Leah Platt - 2007
The spatial mismatch hypothesis posits that employment decentralization isolated urban blacks from work opportunities. This paper focuses on one large employer that has remained in the central city over the twentieth century - the U.S. Postal Service. We find that blacks substitute towards...
Persistent link: https://www.econbiz.de/10012775880
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Spatial Mismatch or Racial Mismatch?
Hellerstein, Judith K. - 2007
We contrast the spatial mismatch hypothesis with what we term the racial mismatch hypothesis - that the problem is not a lack of jobs, per se, where blacks live, but a lack of jobs where blacks live into which blacks are hired. We first report new evidence on the spatial mismatch hypothesis,...
Persistent link: https://www.econbiz.de/10012776804
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Separate When Equal? Racial Inequality and Residential Segregation
Bayer, Patrick J. - 2007
This paper hypothesizes that segregation in US cities increases as racial inequality narrows due to the emergence of middle-class black neighborhoods. Employing a novel research design based on life-cycle variations in the relationship between segregation and inequality, we test this hypothesis...
Persistent link: https://www.econbiz.de/10012778659
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The End of the American Dream? Inequality and Segregation in Us Cities
Fogli, Alessandra - 2019
Since the '80s the US has experienced not only a steady increase in income inequality, but also a contemporaneous increase in residential segregation by income. Using US Census data, we first document a positive correlation between inequality and segregation at the MSA level between 1980 and...
Persistent link: https://www.econbiz.de/10012864803