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Housing Inequality Answers

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Why is there an affordability gap for housing in the United States?

wages for lower and middle-income workers have not risen at the same pace as housing prices

buyers and renters are unwilling to spend a disproportionate amount of their income on housing

inexpensive and available rental homes are located in areas without reliable public transportation

only half the states have an adequate supply of low-cost housing for their lowest-income renters

What is steering?

providing less favorable loan or mortgage terms to people based on their race or ethnicity

creating maps to grade neighborhoods based on their perceived stability and risk factors

encouraging people to sell homes in urban areas and purchase new ones in suburban areas

guiding people toward or away from certain neighborhoods based on their race or ethnicity

Which occurrence is an example of de facto segregation?

redlining

suburbanization

steering

restrictive covenant

What causes gentrification?

a reduction of political power in a high-income area

an increase of industrial factories in a lower-income area

an influx of wealthy people into a lower-income area

an increase in suburbanization in a high-income area

What long-term effect can housing inequality have on property values?

higher investment rates

lower values

lower loan interest rates

higher values

How has redlining impacted neighborhood public schools?

They have more funding because residents are low-income.

They have less funding because property taxes are lower.

They receive funding from sources other than property taxes.

They receive funding equal to all other schools in the nation.

Which occurrence is an example of de jure segregation?

redlining

discriminatory lending

White flight

steering

Which statement best describes the economy in historically redlined communities?

Enforcement of fair housing laws has stimulated economic recovery.

Investment by large corporations has led to economic growth and jobs.

Rising property values have begun to equalize past economic losses.

Limited access to credit and investment has caused economic stagnation.

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