The Transition to Home Ownership and the Black-White Wealth Gap

  title={The Transition to Home Ownership and the Black-White Wealth Gap},
  author={K Charles and E. Jan Hurst},
Di erences in housing wealth accounts for a large proportion of the wealth gap between black and white Americans, but a joint analysis of the various factors likely to a ect home ownership outcomes, and di erences in these factors across races, has never been attempted. Our paper lls this void. By following a sample of black and white renters over time, we are able to separately study racial di erences in the likelihood of applying for a mortgage as well as racial di erences in the likelihood… CONTINUE READING

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