2010 SCF Chartbook
This file contains time series charts using triennial SCF data covering the period 1989 to 2010. The income, asset, and liability variables included are ones that appeared in the tables in “Changes in U.S. Family Finances from 2007 to 20010: Evidence from the Survey of Consumer Finances” by Jesse Bricker, Arthur B. Kennickell, Kevin B. Moore, and John Sabelhaus Federal Reserve Bulletin (June 2012), pp. 1–80; variable definitions are given in that article. These variables are analyzed separately for all families and by a variety of characteristics, such as age and income groups. For each variable and classification group, the charts show the percent of families in the group who have the item and the median and mean amounts of holdings for those who have any. Users should be aware that unlike the tables published in the Bulletin article, the charts include estimates for cells with fewer than eleven observations, a sample size deemed insufficient for robust estimates (see tables to identify which variables and groups are affected). All dollar estimates are given in 2010 dollars.
July 19, 2012
Percent of families with before−tax family income For all families
100
Percent
99
98
97
96
95 1989
1992
1995
1998 2001 Year
2004
Percent of families with before-tax family income Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
2007
2010
Median value of before−tax family income for families with holdings For all families
Thousands of 2010 dollars
50
48
46
44
42
40 1989
1992
1995
1998 2001 Year
2004
2007
Median value of before-tax family income for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 43.4 40.4 43.5 44.6 48.9 49.8 49.6 45.8 -6.9 7.7 2.5 9.6 1.8 -0.4 -7.7
2010
Mean value of before−tax family income for families with holdings For all families
Thousands of 2010 dollars
90 85 80 75 70 65 60 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of before-tax family income for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 68.5 60.7 63.2 71.0 83.3 81.4 88.3 78.5 -11.4 4.1 12.3 17.3 -2.3 8.5 -11.1
2010
Percent of families with before−tax family income By percentile of income
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Percent of families with before-tax family income Year
Less than 20 Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
20-39.9
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 0.0 1995 0.0 0.0 1998 0.0 0.0 2001 0.0 0.0 2004 0.0 0.0 2007 0.0 0.0 2010 0.0 0.0
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of before−tax family income for families with holdings By percentile of income
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of before-tax family income for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 10.6 24.6 1992 10.3 24.1 1995 9.7 24.9 1998 11.0 27.1 2001 12.6 29.9 2004 12.8 29.5 2007 12.9 30.1 2010 13.4 28.1 Three-year change (percent) 1992 -2.8 -2.0 1995 -5.8 3.3 1998 13.4 8.8 2001 14.5 10.3 2004 1.6 -1.3 2007 0.8 2.0 2010 3.9 -6.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
43.4 40.4 43.5 44.6 48.9 49.8 49.6 45.8
68.6 64.0 64.5 71.1 79.4 78.5 78.7 71.7
100.3 95.6 97.2 105.4 120.9 120.5 119.5 112.8
175.9 163.2 159.4 174.2 207.8 212.7 216.8 205.3
-6.9 7.7 2.5 9.6 1.8 -0.4 -7.7
-6.7 0.8 10.2 11.7 -1.1 0.3 -8.9
-4.7 1.7 8.4 14.7 -0.3 -0.8 -5.6
-7.2 -2.3 9.3 19.3 2.4 1.9 -5.3
Mean value of before−tax family income for families with holdings By percentile of income
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of before-tax family income for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 10.0 24.7 1992 9.9 24.1 1995 9.4 24.9 1998 10.6 26.9 2001 12.3 29.6 2004 12.4 30.0 2007 12.9 29.7 2010 12.9 27.9 Three-year change (percent) 1992 -1.0 -2.4 1995 -5.1 3.3 1998 12.8 8.0 2001 16.0 10.0 2004 0.8 1.4 2007 4.0 -1.0 2010 0.0 -6.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
43.7 41.2 42.6 45.3 49.4 50.0 49.5 46.3
68.9 65.6 65.5 72.4 79.9 79.6 80.2 73.6
103.1 97.4 98.6 106.1 120.2 122.6 121.6 114.6
286.7 228.0 248.3 292.8 371.0 347.7 416.6 349.0
-5.7 3.4 6.3 9.1 1.2 -1.0 -6.5
-4.8 -0.2 10.5 10.4 -0.4 0.8 -8.2
-5.5 1.2 7.6 13.3 2.0 -0.8 -5.8
-20.5 8.9 17.9 26.7 -6.3 19.8 -16.2
Percent of families with before−tax family income By age of head
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Percent of families with before-tax family income Year
Less than 35 Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
35-44
Age of head 45-54 55-64
65-74
75 or older
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Three-year change (percentage points) 1992 0.0 0.0 1995 0.0 0.0 1998 0.0 0.0 2001 0.0 0.0 2004 0.0 0.0 2007 0.0 0.0 2010 0.0 0.0
Median value of before−tax family income for families with holdings By age of head
Thousands of 2010 dollars
70 60 50 40 30 20 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of before-tax family income for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 35.2 61.6 1992 37.3 54.4 1995 36.3 54.2 1998 36.5 56.2 2001 40.9 63.0 2004 37.8 57.5 2007 39.2 59.3 2010 35.1 53.9 Three-year change (percent) 1992 6.0 -11.7 1995 -2.7 -0.4 1998 0.6 3.7 2001 12.1 12.1 2004 -7.6 -8.7 2007 3.7 3.1 2010 -10.5 -9.1
Age of head 45-54 55-64
65-74
75 or older
65.1 63.3 57.0 67.6 66.8 70.3 67.2 61.0
44.5 45.1 47.9 51.4 55.4 62.6 57.2 55.1
27.3 27.1 27.3 32.5 34.0 38.4 40.8 42.7
23.3 20.9 22.7 22.3 27.4 27.3 23.9 29.1
-2.8 -10.0 18.6 -1.2 5.2 -4.4 -9.2
1.3 6.2 7.3 7.8 13.0 -8.6 -3.7
-0.7 0.7 19.0 4.6 12.9 6.2 4.7
-10.3 8.6 -1.8 22.9 -0.4 -12.5 21.8
Mean value of before−tax family income for families with holdings By age of head
Thousands of 2010 dollars
120
100
80
60
40 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of before-tax family income for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 47.0 83.3 1992 45.9 70.7 1995 44.2 69.0 1998 48.1 80.0 2001 54.2 94.5 2004 51.9 85.0 2007 54.2 87.7 2010 47.7 81.0 Three-year change (percent) 1992 -2.3 -15.1 1995 -3.7 -2.4 1998 8.8 15.9 2001 12.7 18.1 2004 -4.2 -10.1 2007 4.4 3.2 2010 -12.0 -7.6
Age of head 45-54 55-64
65-74
75 or older
101.8 86.0 93.6 93.1 114.2 108.6 117.8 102.2
80.4 75.2 76.3 95.7 106.5 115.5 116.5 105.8
55.9 43.9 53.0 62.3 71.3 68.7 96.8 75.8
42.7 35.4 37.6 39.0 45.0 47.1 47.9 46.1
-15.5 8.8 -0.5 22.7 -4.9 8.5 -13.2
-6.5 1.5 25.4 11.3 8.5 0.9 -9.2
-21.5 20.7 17.5 14.4 -3.6 40.9 -21.7
-17.1 6.2 3.7 15.4 4.7 1.7 -3.8
Percent of families with before−tax family income By family structure
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with before-tax family income Year
Single with child(ren)
Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Three-year change (percentage points) 1992 0.0 0.0 1995 0.0 0.0 1998 0.0 0.0 2001 0.0 0.0 2004 0.0 0.0 2007 0.0 0.0 2010 0.0 0.0
Median value of before−tax family income for families with holdings By family structure
Thousands of 2010 dollars
80 70 60 50 40 30 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of before-tax family income for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 23.2 30.0 1992 21.1 30.2 1995 23.4 31.8 1998 24.3 32.5 2001 27.7 35.3 2004 29.5 33.3 2007 30.2 35.5 2010 29.5 30.5 Three-year change (percent) 1992 -9.1 1995 10.9 1998 3.8 2001 14.0 2004 6.5 2007 2.4 2010 -2.3
0.7 5.3 2.2 8.6 -5.7 6.6 -14.1
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
17.5 18.5 18.4 22.3 20.8 24.5 25.8 24.2
63.7 62.8 61.4 69.5 76.5 75.6 74.6 67.7
54.6 51.3 53.9 56.8 63.0 67.4 64.6 61.8
5.7 -0.5 21.2 -6.7 17.8 5.3 -6.2
-1.4 -2.2 13.2 10.1 -1.2 -1.3 -9.2
-6.0 5.1 5.4 10.9 7.0 -4.2 -4.3
Mean value of before−tax family income for families with holdings By family structure
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of before-tax family income for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 33.0 52.2 1992 32.0 40.5 1995 29.8 37.7 1998 33.8 41.2 2001 36.0 49.4 2004 37.7 45.2 2007 44.1 49.4 2010 39.4 42.4 Three-year change (percent) 1992 -3.0 1995 -6.9 1998 13.4 2001 6.5 2004 4.7 2007 17.0 2010 -10.7
-22.4 -6.9 9.3 19.9 -8.5 9.3 -14.2
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
29.7 28.7 31.5 34.9 39.9 39.2 38.4 39.6
87.4 84.9 85.7 96.4 115.0 113.9 118.4 109.4
93.6 74.9 82.7 93.1 105.3 107.0 120.5 101.7
-3.4 9.8 10.8 14.3 -1.8 -2.0 3.1
-2.9 0.9 12.5 19.3 -1.0 4.0 -7.6
-20.0 10.4 12.6 13.1 1.6 12.6 -15.6
Percent of families with before−tax family income By education of head
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with before-tax family income Year
No high school diploma Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
Education of head High school Some college diploma
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
College degree
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of before−tax family income for families with holdings
Thousands of 2010 dollars
By education of head
80 70 60 50 40 30 20 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of before-tax family income for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 23.0 1992 18.7 1995 20.6 1998 20.7 2001 20.8 2004 22.3 2007 23.2 2010 23.0 Three-year change (percent) 1992 -18.7 1995 10.2 1998 0.5 2001 0.5 2004 7.2 2007 4.0 2010 -0.9
Education of head High school Some college diploma
College degree
38.1 36.1 36.9 39.0 41.6 41.1 38.5 36.6
49.3 42.0 43.5 47.3 50.1 47.3 47.8 42.9
70.4 68.4 64.8 73.3 83.1 84.4 81.9 73.8
-5.2 2.2 5.7 6.7 -1.2 -6.3 -4.9
-14.8 3.6 8.7 5.9 -5.6 1.1 -10.3
-2.8 -5.3 13.1 13.4 1.6 -3.0 -9.9
Mean value of before−tax family income for families with holdings By education of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of before-tax family income for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 32.9 1992 26.4 1995 29.6 1998 29.0 2001 30.8 2004 29.8 2007 32.8 2010 33.7 Three-year change (percent) 1992 -19.8 1995 12.1 1998 -2.0 2001 6.2 2004 -3.2 2007 10.1 2010 2.7
Education of head High school Some college diploma
College degree
50.4 45.6 49.5 49.4 54.9 51.5 53.6 48.1
68.7 56.1 57.4 67.8 68.0 64.5 71.3 58.7
120.2 99.4 101.1 114.2 142.9 135.3 150.7 128.9
-9.5 8.6 -0.2 11.1 -6.2 4.1 -10.3
-18.3 2.3 18.1 0.3 -5.1 10.5 -17.7
-17.3 1.7 13.0 25.1 -5.3 11.4 -14.5
Percent of families with before−tax family income By race or ethnicity of respondent
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with before-tax family income Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of before−tax family income for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
55 50 45 40 35 30 25 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of before-tax family income for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 51.0 24.6 1992 46.6 28.0 1995 46.8 28.1 1998 50.9 31.1 2001 55.4 31.5 2004 56.9 34.3 2007 54.3 38.6 2010 52.9 34.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-8.6 0.4 8.8 8.8 2.7 -4.6 -2.6
13.8 0.4 10.7 1.3 8.9 12.5 -10.4
Mean value of before−tax family income for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
100 90 80 70 60 50 40 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of before-tax family income for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 78.4 38.9 1992 67.1 41.3 1995 69.5 41.4 1998 79.0 44.3 2001 94.3 49.9 2004 92.9 51.7 2007 101.6 56.2 2010 90.1 54.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-14.4 3.6 13.7 19.4 -1.5 9.4 -11.3
6.2 0.2 7.0 12.6 3.6 8.7 -3.2
Percent of families with before−tax family income By current work status of head
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with before-tax family income Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
Other not working
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of before−tax family income for families with holdings By current work status of head
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of before-tax family income for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 54.2 1992 52.2 1995 52.2 1998 54.1 2001 57.9 2004 56.7 2007 59.3 2010 55.9
63.3 68.1 53.7 70.3 77.6 76.8 79.3 64.5
24.5 23.1 23.8 25.7 25.7 28.1 25.9 29.1
12.3 17.1 16.0 15.5 20.4 23.6 21.3 23.9
Three-year change (percent) 1992 -3.7 1995 0.0 1998 3.6 2001 7.0 2004 -2.1 2007 4.6 2010 -5.7
7.6 -21.1 30.9 10.4 -1.0 3.3 -18.7
-5.7 3.0 8.0 0.0 9.3 -7.8 12.4
39.0 -6.4 -3.1 31.6 15.7 -9.7 12.2
Mean value of before−tax family income for families with holdings By current work status of head
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of before-tax family income for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 69.2 1992 66.4 1995 68.5 1998 71.4 2001 82.5 2004 80.7 2007 87.1 2010 84.2
155.9 115.6 113.3 145.9 169.5 162.9 201.0 149.9
40.2 34.8 39.7 44.0 49.0 49.7 53.5 44.4
23.6 31.7 25.6 29.0 44.9 43.0 37.1 36.3
Three-year change (percent) 1992 -4.0 1995 3.2 1998 4.2 2001 15.5 2004 -2.2 2007 7.9 2010 -3.3
-25.8 -2.0 28.8 16.2 -3.9 23.4 -25.4
-13.4 14.1 10.8 11.4 1.4 7.6 -17.0
34.3 -19.2 13.3 54.8 -4.2 -13.7 -2.2
Percent of families with before−tax family income By current occupation of head
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with before-tax family income Year
Managerial or professional Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
Retired or other not working
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of before−tax family income for families with holdings By current occupation of head
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of before-tax family income for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 79.5 42.2 51.0 1992 74.6 44.5 45.1 1995 75.4 43.5 49.0 1998 81.2 40.9 50.0 2001 87.2 44.1 50.4 2004 88.9 43.1 52.0 2007 89.4 46.3 51.7 2010 81.3 42.0 50.0 Year
Three-year change (percent) 1992 -6.2 1995 1.1 1998 7.7 2001 7.4 2004 1.9 2007 0.6 2010 -9.1
5.5 -2.2 -6.0 7.8 -2.3 7.4 -9.3
-11.6 8.6 2.0 0.8 3.2 -0.6 -3.3
Retired or other not working 21.1 21.0 22.5 23.7 25.4 27.4 24.9 27.4 -0.5 7.1 5.3 7.2 7.9 -9.1 10.0
Mean value of before−tax family income for families with holdings By current occupation of head
Thousands of 2010 dollars
160 140 120 100 80 60 40 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of before-tax family income for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 125.6 67.8 59.9 1992 111.7 57.2 54.5 1995 115.6 60.8 56.9 1998 128.9 62.5 56.8 2001 153.4 65.3 60.0 2004 147.6 61.1 58.3 2007 163.6 70.8 60.7 2010 148.7 59.5 57.3 Year
Three-year change (percent) 1992 -11.1 1995 3.5 1998 11.5 2001 19.0 2004 -3.8 2007 10.8 2010 -9.1
-15.6 6.3 2.8 4.5 -6.4 15.9 -16.0
-9.0 4.4 -0.2 5.6 -2.8 4.1 -5.6
Retired or other not working 36.7 34.0 36.9 41.6 48.3 48.7 51.0 42.7 -7.4 8.5 12.7 16.1 0.8 4.7 -16.3
Percent of families with before−tax family income By region
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with before-tax family income Region Year Northeast Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
Midwest
South
West
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
Median value of before−tax family income for families with holdings By region
Thousands of 2010 dollars
60 55 50 45 40 35 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of before-tax family income for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 49.3 1992 50.4 1995 43.5 1998 47.3 2001 50.6 2004 58.5 2007 53.9 2010 53.7 Three-year change (percent) 1992 2.2 1995 -13.7 1998 8.7 2001 7.0 2004 15.6 2007 -7.9 2010 -0.4
Midwest
South
West
42.1 43.8 44.3 43.9 53.8 52.0 46.3 46.5
36.9 35.8 40.2 42.1 44.1 42.5 45.0 40.7
51.0 40.1 45.0 48.3 49.9 53.2 54.4 48.8
4.0 1.1 -0.9 22.6 -3.3 -11.0 0.4
-3.0 12.3 4.7 4.8 -3.6 5.9 -9.6
-21.4 12.2 7.3 3.3 6.6 2.3 -10.3
Mean value of before−tax family income for families with holdings By region
Thousands of 2010 dollars
110 100 90 80 70 60 50 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of before-tax family income for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 78.5 1992 70.2 1995 69.7 1998 81.3 2001 95.2 2004 100.7 2007 105.2 2010 99.2 Three-year change (percent) 1992 -10.6 1995 -0.7 1998 16.6 2001 17.1 2004 5.8 2007 4.5 2010 -5.7
Midwest
South
West
71.4 62.6 64.4 65.3 79.3 77.7 78.5 70.9
58.5 51.6 58.5 66.0 75.2 71.3 83.1 71.5
71.6 64.4 63.4 76.1 90.7 85.8 92.9 80.8
-12.3 2.9 1.4 21.4 -2.0 1.0 -9.7
-11.8 13.4 12.8 13.9 -5.2 16.5 -14.0
-10.1 -1.6 20.0 19.2 -5.4 8.3 -13.0
Percent of families with before−tax family income By urbanicity
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
2004
2007
Metropolitan Statistical Area (MSA)
Non−MSA
Percent of families with before-tax family income Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
2010
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of before−tax family income for families with holdings By urbanicity
Thousands of 2010 dollars
55 50 45 40 35 30 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of before-tax family income for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 45.3 1992 43.5 1995 45.2 1998 47.3 2001 50.4 2004 53.2 2007 52.8 2010 48.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-4.0 3.9 4.6 6.6 5.6 -0.8 -7.6
2010
Non-MSA
34.1 30.9 30.3 37.3 37.0 34.4 37.8 36.6 -9.4 -1.9 23.1 -0.8 -7.0 9.9 -3.2
Mean value of before−tax family income for families with holdings By urbanicity
Thousands of 2010 dollars
100 90 80 70 60 50 40 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of before-tax family income for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 72.9 1992 65.2 1995 67.0 1998 75.4 2001 88.7 2004 88.5 2007 95.6 2010 84.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-10.6 2.8 12.5 17.6 -0.2 8.0 -11.3
2010
Non-MSA
49.5 41.0 41.2 45.3 50.2 47.2 52.6 48.2 -17.2 0.5 10.0 10.8 -6.0 11.4 -8.4
Percent of families with before−tax family income By housing status
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with before-tax family income Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
2010
Median value of before−tax family income for families with holdings By housing status
Thousands of 2010 dollars
70 60 50 40 30 20 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Median value of before-tax family income for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 56.3 1992 52.9 1995 53.7 1998 58.3 2001 63.8 2004 63.5 2007 64.6 2010 59.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-6.0 1.5 8.6 9.4 -0.5 1.7 -7.7
Renter or other 23.2 25.9 26.1 27.1 30.2 28.4 29.1 26.1 11.6 0.8 3.8 11.4 -6.0 2.5 -10.3
Mean value of before−tax family income for families with holdings By housing status
Thousands of 2010 dollars
120
100
80
60
40 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of before-tax family income for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 86.2 1992 74.3 1995 78.3 1998 89.0 2001 104.3 2004 100.6 2007 110.7 2010 98.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-13.8 5.4 13.7 17.2 -3.5 10.0 -11.2
Renter or other 37.1 36.6 35.5 35.6 39.5 38.8 39.3 37.9 -1.3 -3.0 0.3 11.0 -1.8 1.3 -3.6
2010
Percent of families with before−tax family income By percentile of net worth
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with before-tax family income Year Less than 25 Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Three-year change (percentage points) 1992 0.0 0.0 1995 0.0 0.0 1998 0.0 0.0 2001 0.0 0.0 2004 0.0 0.0 2007 0.0 0.0 2010 0.0 0.0
Median value of before−tax family income for families with holdings By percentile of net worth
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of before-tax family income for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 17.6 37.1 1992 19.7 37.3 1995 20.5 40.6 1998 21.2 40.6 2001 24.1 42.8 2004 23.6 42.5 2007 24.6 43.1 2010 23.7 37.9 Three-year change (percent) 1992 11.9 1995 4.1 1998 3.4 2001 13.7 2004 -2.1 2007 4.2 2010 -3.7
0.5 8.8 0.0 5.4 -0.7 1.4 -12.1
Percentile of net worth 50-74.9
75-89.9
90-100
53.2 49.7 50.3 54.1 62.6 60.3 59.5 54.9
70.4 65.3 60.4 75.7 85.3 88.6 86.2 74.5
132.0 122.6 114.4 117.9 155.0 165.4 165.5 163.2
-6.6 1.2 7.6 15.7 -3.7 -1.3 -7.7
-7.2 -7.5 25.3 12.7 3.9 -2.7 -13.6
-7.1 -6.7 3.1 31.5 6.7 0.1 -1.4
Mean value of before−tax family income for families with holdings By percentile of net worth
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of before-tax family income for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 24.7 42.4 1992 26.2 42.0 1995 26.3 44.2 1998 27.1 45.2 2001 29.4 48.5 2004 28.8 48.5 2007 30.5 48.7 2010 32.6 45.5 Three-year change (percent) 1992 6.1 1995 0.4 1998 3.0 2001 8.5 2004 -2.0 2007 5.9 2010 6.9
-0.9 5.2 2.3 7.3 0.0 0.4 -6.6
Percentile of net worth 50-74.9
75-89.9
90-100
60.9 55.2 57.8 62.5 72.2 69.8 69.8 63.3
85.8 77.2 74.7 90.1 96.3 101.2 97.4 89.0
236.0 182.4 198.8 237.4 313.8 294.6 364.2 297.9
-9.4 4.7 8.1 15.5 -3.3 0.0 -9.3
-10.0 -3.2 20.6 6.9 5.1 -3.8 -8.6
-22.7 9.0 19.4 32.2 -6.1 23.6 -18.2
Percent of families with net worth For all families
100
Percent
99
98
97
96
95 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with net worth All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
2007
2010
Median value of net worth for families with holdings For all families
Thousands of 2010 dollars
130 120 110 100 90 80 70 1989
1992
1995
1998 2001 Year
2004
2007
Median value of net worth for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 79.1 75.1 81.9 95.6 106.1 107.2 126.4 77.3 -5.1 9.1 16.7 11.0 1.0 17.9 -38.8
2010
Mean value of net worth for families with holdings For all families
Thousands of 2010 dollars
600 550 500 450 400 350 300 1989
1992
1995
1998 2001 Year
2004
Mean value of net worth for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 313.6 282.9 300.4 377.3 487.0 517.1 584.6 498.8 -9.8 6.2 25.6 29.1 6.2 13.1 -14.7
2007
2010
Percent of families with net worth By percentile of income
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
2004
20−39.9 80−89.9
Percent of families with net worth Percentile of income 20-39.9 40-59.9 60-79.9
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 0.0 1995 0.0 0.0 1998 0.0 0.0 2001 0.0 0.0 2004 0.0 0.0 2007 0.0 0.0 2010 0.0 0.0
2007
2010
40−59.9 90−100
80-89.9
90-100
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of net worth for families with holdings By percentile of income
Thousands of 2010 dollars
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of net worth for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 3.0 40.6 1992 6.0 42.1 1995 8.5 47.5 1998 7.8 44.2 2001 9.6 45.9 2004 8.6 38.8 2007 8.5 39.6 2010 6.2 25.6 Three-year change (percent) 1992 100.0 3.7 1995 41.7 12.8 1998 -8.2 -6.9 2001 23.1 3.8 2004 -10.4 -15.5 2007 -1.2 2.1 2010 -27.1 -35.4
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
70.2 60.0 65.7 71.2 78.0 82.8 92.3 65.8
112.1 114.8 107.7 149.8 176.8 184.0 215.7 128.6
222.6 175.4 181.4 251.4 322.4 360.9 373.2 286.6
655.2 551.4 503.6 603.4 1021.5 1069.7 1172.3 1194.3
-14.5 9.5 8.4 9.6 6.2 11.5 -28.7
2.4 -6.2 39.1 18.0 4.1 17.2 -40.4
-21.2 3.4 38.6 28.2 11.9 3.4 -23.2
-15.8 -8.7 19.8 69.3 4.7 9.6 1.9
Mean value of net worth for families with holdings By percentile of income
Thousands of 2010 dollars
4000
3000
2000
1000
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Mean value of net worth for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 41.6 110.9 1992 49.9 97.3 1995 62.9 112.0 1998 63.7 128.2 2001 64.7 141.2 2004 83.6 139.8 2007 110.3 141.3 2010 116.8 127.9 Three-year change (percent) 1992 20.0 -12.3 1995 26.1 15.1 1998 1.3 14.5 2001 1.6 10.1 2004 29.2 -1.0 2007 31.9 1.1 2010 5.9 -9.5
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
170.9 153.4 144.9 168.7 199.4 224.0 220.6 199.0
229.4 213.5 228.5 275.3 360.7 392.9 393.9 294.0
375.1 343.3 364.7 434.8 560.3 563.7 638.1 567.3
1654.9 1456.8 1541.8 2065.9 2777.1 2925.2 3474.7 2944.3
-10.2 -5.5 16.4 18.2 12.3 -1.5 -9.8
-6.9 7.0 20.5 31.0 8.9 0.3 -25.4
-8.5 6.2 19.2 28.9 0.6 13.2 -11.1
-12.0 5.8 34.0 34.4 5.3 18.8 -15.3
Percent of families with net worth By age of head
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
2004
35−44 65−74
2007
2010
45−54 75 or older
Percent of families with net worth Age of head 35-44 45-54 55-64
65-74
75 or older
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 0.0 1995 0.0 0.0 1998 0.0 0.0 2001 0.0 0.0 2004 0.0 0.0 2007 0.0 0.0 2010 0.0 0.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of net worth for families with holdings By age of head
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of net worth for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 13.2 95.2 1992 14.0 67.7 1995 17.0 74.0 1998 12.2 84.6 2001 14.3 95.1 2004 16.3 79.9 2007 12.4 92.4 2010 9.3 42.1 Three-year change (percent) 1992 6.1 -28.9 1995 21.4 9.3 1998 -28.2 14.3 2001 17.2 12.4 2004 14.0 -16.0 2007 -23.9 15.6 2010 -25.0 -54.4
Age of head 45-54 55-64
65-74
75 or older
166.5 118.6 134.4 140.9 164.9 167.1 193.7 117.9
165.0 172.8 163.5 170.6 227.2 290.0 266.2 179.4
129.3 149.6 157.2 195.4 217.8 218.8 250.8 206.7
122.2 131.7 131.7 167.5 190.3 187.7 223.7 216.8
-28.8 13.3 4.8 17.0 1.3 15.9 -39.1
4.7 -5.4 4.3 33.2 27.6 -8.2 -32.6
15.7 5.1 24.3 11.5 0.5 14.6 -17.6
7.8 0.0 27.2 13.6 -1.4 19.2 -3.1
Mean value of net worth for families with holdings By age of head
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of net worth for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 79.0 249.0 1992 68.8 202.1 1995 61.2 203.6 1998 85.2 262.1 2001 111.2 318.6 2004 84.6 345.2 2007 111.1 341.9 2010 65.3 217.4 Three-year change (percent) 1992 -12.9 -18.8 1995 -11.0 0.7 1998 39.2 28.7 2001 30.5 21.6 2004 -23.9 8.3 2007 31.3 -1.0 2010 -41.2 -36.4
Age of head 45-54 55-64
65-74
75 or older
466.2 407.6 420.2 485.3 595.9 625.8 694.6 573.0
519.1 512.4 543.2 710.6 898.6 976.4 986.7 880.5
471.9 434.4 493.9 622.6 831.4 795.1 1064.1 848.4
407.4 324.7 365.8 414.6 574.8 607.7 668.8 677.9
-12.6 3.1 15.5 22.8 5.0 11.0 -17.5
-1.3 6.0 30.8 26.5 8.7 1.1 -10.8
-7.9 13.7 26.1 33.5 -4.4 33.8 -20.3
-20.3 12.7 13.3 38.6 5.7 10.1 1.4
Percent of families with net worth By family structure
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
Year
Single with child(ren)
Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with net worth Family structure Single, no Single, no Couple with child, child, child(ren) age<55 age≥55 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 0.0 1995 0.0 0.0 1998 0.0 0.0 2001 0.0 0.0 2004 0.0 0.0 2007 0.0 0.0 2010 0.0 0.0
2010
Couple, no child
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of net worth for families with holdings By family structure
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of net worth for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 12.2 13.7 1992 12.9 22.6 1995 17.0 24.8 1998 21.5 20.6 2001 16.2 24.0 2004 24.0 24.2 2007 24.4 26.3 2010 15.5 14.6 Three-year change (percent) 1992 5.7 1995 31.8 1998 26.5 2001 -24.7 2004 48.1 2007 1.7 2010 -36.5
65.0 9.7 -16.9 16.5 0.8 8.7 -44.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
69.0 88.2 100.2 116.4 111.9 134.0 150.7 102.0
104.6 91.7 93.3 116.2 139.3 140.6 147.5 86.7
187.3 157.8 163.4 198.1 217.1 240.2 236.2 205.6
27.8 13.6 16.2 -3.9 19.7 12.5 -32.3
-12.3 1.7 24.5 19.9 0.9 4.9 -41.2
-15.8 3.5 21.2 9.6 10.6 -1.7 -13.0
Mean value of net worth for families with holdings By family structure
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of net worth for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 106.7 122.4 1992 82.1 107.4 1995 103.0 102.8 1998 136.6 123.0 2001 117.4 185.5 2004 149.9 179.8 2007 187.4 217.2 2010 143.7 117.5 Three-year change (percent) 1992 -23.1 1995 25.5 1998 32.6 2001 -14.1 2004 27.7 2007 25.0 2010 -23.3
-12.3 -4.3 19.6 50.8 -3.1 20.8 -45.9
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
206.9 236.5 280.3 328.2 355.8 405.8 408.9 391.6
339.0 312.0 304.7 398.6 540.1 580.5 629.1 555.7
585.5 481.0 511.8 643.5 790.1 868.2 998.6 864.8
14.3 18.5 17.1 8.4 14.1 0.8 -4.2
-8.0 -2.3 30.8 35.5 7.5 8.4 -11.7
-17.8 6.4 25.7 22.8 9.9 15.0 -13.4
Percent of families with net worth By education of head
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
0.0 0.0 0.0 0.0 0.0 0.0 0.0
2010
High school diploma College degree
Percent of families with net worth Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 100.0 100.0 100.0 1992 100.0 100.0 100.0 1995 100.0 100.0 100.0 1998 100.0 100.0 100.0 2001 100.0 100.0 100.0 2004 100.0 100.0 100.0 2007 100.0 100.0 100.0 2010 100.0 100.0 100.0 Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
2007
0.0 0.0 0.0 0.0 0.0 0.0 0.0
College degree
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of net worth for families with holdings By education of head
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of net worth for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 40.7 1992 28.3 1995 32.1 1998 28.1 2001 31.3 2004 23.7 2007 34.8 2010 16.1 Three-year change (percent) 1992 -30.5 1995 13.4 1998 -12.5 2001 11.4 2004 -24.3 2007 46.8 2010 -53.7
Education of head High school Some college diploma
College degree
62.1 58.3 73.5 72.1 71.1 79.1 84.3 56.7
77.5 87.5 66.3 98.5 89.8 79.8 88.8 50.9
187.3 149.8 147.9 195.3 262.2 260.2 298.6 195.2
-6.1 26.1 -1.9 -1.4 11.3 6.6 -32.7
12.9 -24.2 48.6 -8.8 -11.1 11.3 -42.7
-20.0 -1.3 32.0 34.3 -0.8 14.8 -34.6
Mean value of net worth for families with holdings By education of head
Thousands of 2010 dollars
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of net worth for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 140.1 1992 106.3 1995 119.3 1998 105.2 2001 127.5 2004 157.1 2007 149.7 2010 110.7 Three-year change (percent) 1992 -24.1 1995 12.2 1998 -11.8 2001 21.2 2004 23.2 2007 -4.7 2010 -26.1
Education of head High school Some college diploma
College degree
187.9 169.4 188.3 210.5 222.0 227.2 263.8 218.1
314.4 260.0 267.4 317.3 352.1 355.7 384.5 272.2
610.0 515.5 545.8 705.8 976.6 982.3 1154.5 977.7
-9.8 11.2 11.8 5.5 2.3 16.1 -17.3
-17.3 2.8 18.7 11.0 1.0 8.1 -29.2
-15.5 5.9 29.3 38.4 0.6 17.5 -15.3
Percent of families with net worth By race or ethnicity of respondent
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with net worth Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of net worth for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of net worth for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 120.0 11.3 1992 105.7 18.2 1995 108.5 22.4 1998 127.8 22.2 2001 150.4 22.0 2004 162.2 28.5 2007 179.4 29.7 2010 130.5 20.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-11.9 2.6 17.8 17.7 7.8 10.6 -27.3
61.1 23.1 -0.9 -0.9 29.5 4.2 -31.3
Mean value of net worth for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
700 600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of net worth for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 383.6 106.0 1992 337.2 117.5 1995 355.5 109.3 1998 450.6 134.1 2001 599.0 144.1 2004 648.3 176.2 2007 727.4 240.3 2010 654.5 175.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-12.1 5.4 26.8 32.9 8.2 12.2 -10.0
10.8 -7.0 22.7 7.5 22.3 36.4 -26.8
Percent of families with net worth By current work status of head
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
2004
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
2010
Self−employed Other not working
Percent of families with net worth Current work status of head Self-employed Retired
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
2007
Other not working
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of net worth for families with holdings By current work status of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of net worth for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 64.1 1992 59.9 1995 69.6 1998 70.4 2001 79.7 2004 77.4 2007 98.5 2010 55.2
286.1 218.7 220.7 331.4 431.7 402.2 407.3 285.6
111.5 106.8 114.9 150.8 141.0 160.9 169.9 151.1
1.3 5.0 5.1 4.7 9.4 13.6 6.0 11.9
Three-year change (percent) 1992 -6.6 1995 16.2 1998 1.1 2001 13.2 2004 -2.9 2007 27.3 2010 -44.0
-23.6 0.9 50.2 30.3 -6.8 1.3 -29.9
-4.2 7.6 31.2 -6.5 14.1 5.6 -11.1
284.6 2.0 -7.8 100.0 44.7 -55.9 98.3
Mean value of net worth for families with holdings By current work status of head
Thousands of 2010 dollars
2000
1500
1000
500
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of net worth for families with holdings Year
Employee
Level (thousands of 2010 dollars) 1989 191.8 1992 185.6 1995 194.2 1998 224.5 2001 276.9 2004 310.7 2007 369.1 2010 298.8 Three-year change (percent) 1992 -3.2 1995 4.6 1998 15.6 2001 23.3 2004 12.2 2007 18.8 2010 -19.0
Current work status of head Self-employed Retired
Other not working
1099.0 909.6 993.0 1235.2 1546.5 1639.9 2057.4 1743.7
308.2 287.7 318.9 410.2 556.4 539.8 569.1 485.3
66.2 80.5 80.7 98.7 218.4 186.7 130.1 137.5
-17.2 9.2 24.4 25.2 6.0 25.5 -15.2
-6.7 10.8 28.6 35.6 -3.0 5.4 -14.7
21.6 0.2 22.3 121.3 -14.5 -30.3 5.7
Percent of families with net worth By current occupation of head
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
0.0 0.0 0.0 0.0 0.0 0.0 0.0
2010
Technical, sales, or services Retired or other not working
Percent of families with net worth Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 100.0 100.0 100.0 1992 100.0 100.0 100.0 1995 100.0 100.0 100.0 1998 100.0 100.0 100.0 2001 100.0 100.0 100.0 2004 100.0 100.0 100.0 2007 100.0 100.0 100.0 2010 100.0 100.0 100.0 Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
2007
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Retired or other not working 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of net worth for families with holdings By current occupation of head
Thousands of 2010 dollars
250 200 150 100 50 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of net worth for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 183.1 45.8 62.4 1992 153.6 55.3 49.7 1995 156.6 52.8 63.9 1998 176.5 54.4 66.7 2001 242.1 57.3 58.9 2004 227.3 51.7 65.0 2007 258.8 77.0 68.4 2010 167.3 32.6 46.6 Year
Three-year change (percent) 1992 -16.1 1995 2.0 1998 12.7 2001 37.2 2004 -6.1 2007 13.9 2010 -35.4
20.7 -4.5 3.0 5.3 -9.8 48.9 -57.7
-20.4 28.6 4.4 -11.7 10.4 5.2 -31.9
Retired or other not working 74.5 75.8 88.3 109.2 118.2 127.9 135.6 93.5 1.7 16.5 23.7 8.2 8.2 6.0 -31.0
Mean value of net worth for families with holdings By current occupation of head
Thousands of 2010 dollars
1200 1000 800 600 400 200 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of net worth for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 640.0 220.5 181.5 1992 569.9 207.7 132.6 1995 610.2 229.8 158.3 1998 722.8 257.7 168.7 2001 942.4 244.7 167.1 2004 995.6 284.8 169.8 2007 1174.8 325.8 201.3 2010 1047.0 219.1 162.8 Year
Three-year change (percent) 1992 -11.0 1995 7.1 1998 18.5 2001 30.4 2004 5.6 2007 18.0 2010 -10.9
-5.8 10.6 12.1 -5.0 16.4 14.4 -32.8
-26.9 19.4 6.6 -0.9 1.6 18.6 -19.1
Retired or other not working 257.8 238.6 270.5 357.9 501.4 485.0 500.6 410.4 -7.4 13.4 32.3 40.1 -3.3 3.2 -18.0
Percent of families with net worth By region
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Northeast West
Year Northeast Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
2004
Midwest
2010
South
Percent of families with net worth Region Midwest South
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
2007
West
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of net worth for families with holdings By region
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of net worth for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 147.3 1992 97.2 1995 117.3 1998 125.8 2001 114.3 2004 186.1 2007 167.1 2010 119.9 Three-year change (percent) 1992 -34.0 1995 20.7 1998 7.2 2001 -9.1 2004 62.8 2007 -10.2 2010 -28.2
Midwest
South
West
88.6 86.3 92.9 107.1 130.3 132.4 112.7 68.4
59.5 52.4 62.5 81.7 90.4 73.4 102.0 68.2
77.3 108.4 77.5 81.8 109.0 109.3 164.1 73.4
-2.6 7.6 15.3 21.7 1.6 -14.9 -39.3
-11.9 19.3 30.7 10.6 -18.8 39.0 -33.1
40.2 -28.5 5.5 33.3 0.3 50.1 -55.3
Mean value of net worth for families with holdings By region
Thousands of 2010 dollars
700 600 500 400 300 200 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of net worth for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 363.7 1992 319.6 1995 355.5 1998 404.8 2001 556.3 2004 655.0 2007 684.6 2010 615.2 Three-year change (percent) 1992 -12.1 1995 11.2 1998 13.9 2001 37.4 2004 17.7 2007 4.5 2010 -10.1
Midwest
South
West
316.1 262.7 282.1 332.2 418.3 503.8 491.2 399.8
221.8 213.6 264.3 356.5 461.4 401.0 525.9 440.8
414.3 385.8 329.2 437.2 541.8 605.3 695.4 599.9
-16.9 7.4 17.8 25.9 20.4 -2.5 -18.6
-3.7 23.7 34.9 29.4 -13.1 31.1 -16.2
-6.9 -14.7 32.8 23.9 11.7 14.9 -13.7
Percent of families with net worth By urbanicity
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Percent of families with net worth Urbanicity Metropolitan Statistical Area (MSA) 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
2007
2010
Non−MSA
Non-MSA
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of net worth for families with holdings By urbanicity
Thousands of 2010 dollars
140
120
100
80
60 1989
1992
1995
1998 2001 Year
2004
2007
Metropolitan Statistical Area (MSA)
Non−MSA
Median value of net worth for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 78.3 1992 80.3 1995 84.0 1998 96.7 2001 108.0 2004 120.1 2007 138.8 2010 78.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
2.6 4.6 15.1 11.7 11.2 15.6 -43.5
2010
Non-MSA
83.4 58.8 72.3 92.1 98.0 68.2 82.0 74.5 -29.5 23.0 27.4 6.4 -30.4 20.2 -9.1
Mean value of net worth for families with holdings By urbanicity
Thousands of 2010 dollars
700 600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
2004
2007
Metropolitan Statistical Area (MSA)
Non−MSA
Mean value of net worth for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 334.9 1992 316.5 1995 320.4 1998 409.0 2001 525.0 2004 582.0 2007 652.6 2010 553.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-5.5 1.2 27.7 28.4 10.9 12.1 -15.2
2010
Non-MSA
223.1 134.8 184.1 193.1 250.1 203.5 253.9 236.1 -39.6 36.6 4.9 29.5 -18.6 24.8 -7.0
Percent of families with net worth By housing status
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Renter or other
Percent of families with net worth Housing status Owner 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
2007
Renter or other 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
2010
Median value of net worth for families with holdings By housing status
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of net worth for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 169.2 1992 149.9 1995 147.5 1998 176.2 2001 211.5 2004 212.6 2007 246.0 2010 174.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-11.4 -1.6 19.5 20.0 0.5 15.7 -29.1
Renter or other 3.3 4.9 6.9 5.7 5.9 4.6 5.4 5.1 48.5 40.8 -17.4 3.5 -22.0 17.4 -5.6
2010
Mean value of net worth for families with holdings By housing status
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of net worth for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 454.3 1992 409.5 1995 430.4 1998 540.0 2001 687.2 2004 720.9 2007 817.6 2010 713.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-9.9 5.1 25.5 27.3 4.9 13.4 -12.7
Renter or other 64.8 58.7 62.0 57.9 67.7 62.3 74.7 57.2 -9.4 5.6 -6.6 16.9 -8.0 19.9 -23.4
2010
Percent of families with net worth By percentile of net worth
100
Percent
99 98 97 96 95 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
Year Less than 25 Level (percent) 1989 100.0 1992 100.0 1995 100.0 1998 100.0 2001 100.0 2004 100.0 2007 100.0 2010 100.0
2004
25−49.9 90−100
Three-year change (percentage points) 1992 0.0 0.0 1995 0.0 0.0 1998 0.0 0.0 2001 0.0 0.0 2004 0.0 0.0 2007 0.0 0.0 2010 0.0 0.0
2010
50−74.9
Percent of families with net worth Percentile of net worth 25-49.9 50-74.9 75-89.9 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
2007
90-100
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of net worth for families with holdings By percentile of net worth
Thousands of 2010 dollars
2000
1500
1000
500
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of net worth for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 0.3 35.5 1992 0.8 35.8 1995 1.3 40.0 1998 0.7 43.6 2001 1.4 50.1 2004 2.0 50.2 2007 1.3 56.8 2010 0.0 32.2 Three-year change (percent) 1992 166.7 1995 62.5 1998 -46.2 2001 100.0 2004 42.9 2007 -35.0 2010 -100.0
0.8 11.7 9.0 14.9 0.2 13.1 -43.3
Percentile of net worth 50-74.9
75-89.9
90-100
146.1 132.8 134.7 160.7 193.6 196.7 230.8 157.2
354.6 309.4 313.3 413.6 528.0 586.7 601.2 482.7
1161.3 1007.9 967.8 1195.6 1602.6 1645.5 1991.9 1864.1
-9.1 1.4 19.3 20.5 1.6 17.3 -31.9
-12.7 1.3 32.0 27.7 11.1 2.5 -19.7
-13.2 -4.0 23.5 34.0 2.7 21.1 -6.4
Mean value of net worth for families with holdings By percentile of net worth
Thousands of 2010 dollars
4000
3000
2000
1000
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of net worth for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 -1.0 38.7 1992 -0.9 38.5 1995 -0.2 43.3 1998 -2.5 47.9 2001 0.1 54.4 2004 -1.6 54.2 2007 -2.3 60.9 2010 -12.8 35.6 Three-year change (percent) 1992 -10.0 1995 -77.8 1998 1150.0 2001 -104.0 2004 -1700.0 2007 43.8 2010 456.5
-0.5 12.5 10.6 13.6 -0.4 12.4 -41.5
Percentile of net worth 50-74.9
75-89.9
90-100
150.1 137.3 141.1 171.5 204.9 213.7 238.6 168.9
381.1 331.4 338.0 429.6 553.5 608.4 616.7 527.9
2094.6 1894.2 2035.8 2586.1 3390.0 3591.1 4176.9 3716.4
-8.5 2.8 21.5 19.5 4.3 11.7 -29.2
-13.0 2.0 27.1 28.8 9.9 1.4 -14.4
-9.6 7.5 27.0 31.1 5.9 16.3 -11.0
Percent of families with assets For all families
98
Percent
97
96
95
94 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with assets All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
94.7 95.8 96.4 96.8 96.7 97.9 97.7 97.4 1.1 0.6 0.4 -0.1 1.2 -0.2 -0.3
2007
2010
Median value of assets for families with holdings For all families
Thousands of 2010 dollars
240 220 200 180 160 140 120 1989
1992
1995
1998 2001 Year
2004
Median value of assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 136.9 127.1 144.1 164.3 181.2 199.3 232.1 187.1 -7.2 13.4 14.0 10.3 10.0 16.5 -19.4
2007
2010
Mean value of assets for families with holdings For all families
Thousands of 2010 dollars
700
600
500
400
300 1989
1992
1995
1998 2001 Year
2004
Mean value of assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 377.5 345.1 364.9 454.2 572.3 620.9 702.1 612.3 -8.6 5.7 24.5 26.0 8.5 13.1 -12.8
2007
2010
Percent of families with assets By percentile of income
100
Percent
95 90 85 80 75 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 78.8 1992 82.6 1995 84.4 1998 87.1 2001 85.6 2004 92.2 2007 89.8 2010 89.9
20−39.9 80−89.9
Percent of families with assets Percentile of income 20-39.9 40-59.9 60-79.9
95.1 97.1 97.9 98.1 98.3 97.8 98.9 98.0
Three-year change (percentage points) 1992 3.8 2.0 1995 1.8 0.8 1998 2.7 0.2 2001 -1.5 0.2 2004 6.6 -0.5 2007 -2.4 1.1 2010 0.1 -0.9
2004
2007
2010
40−59.9 90−100
80-89.9
90-100
99.9 99.7 99.9 99.2 99.8 99.8 100.0 99.5
99.5 100.0 99.7 99.8 100.0 100.0 100.0 99.9
100.0 100.0 100.0 100.0 100.0 99.8 100.0 100.0
100.0 99.6 100.0 100.0 100.0 100.0 100.0 100.0
-0.2 0.2 -0.7 0.6 0.0 0.2 -0.5
0.5 -0.3 0.1 0.2 0.0 0.0 -0.1
0.0 0.0 0.0 0.0 -0.2 0.2 0.0
-0.4 0.4 0.0 0.0 0.0 0.0 0.0
Median value of assets for families with holdings By percentile of income
Thousands of 2010 dollars
1500
1000
500
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Median value of assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 12.8 69.0 1992 23.6 63.9 1995 21.2 78.7 1998 20.0 81.4 2001 29.4 82.7 2004 19.6 90.0 2007 24.6 89.0 2010 15.2 75.5 Three-year change (percent) 1992 84.4 -7.4 1995 -10.2 23.2 1998 -5.7 3.4 2001 47.0 1.6 2004 -33.3 8.8 2007 25.5 -1.1 2010 -38.2 -15.2
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
111.8 97.1 119.1 141.8 141.0 177.8 192.2 159.8
182.0 186.6 198.3 247.9 282.5 333.5 359.8 267.0
319.2 274.4 292.1 362.6 462.1 529.9 593.6 448.4
796.8 738.9 664.4 809.1 1236.8 1332.5 1423.2 1486.7
-13.1 22.7 19.1 -0.6 26.1 8.1 -16.9
2.5 6.3 25.0 14.0 18.1 7.9 -25.8
-14.0 6.5 24.1 27.4 14.7 12.0 -24.5
-7.3 -10.1 21.8 52.9 7.7 6.8 4.5
Mean value of assets for families with holdings By percentile of income
Thousands of 2010 dollars
4000
3000
2000
1000
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Mean value of assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 58.1 129.8 1992 69.5 115.9 1995 84.8 133.8 1998 83.9 152.7 2001 87.3 167.9 2004 106.9 177.3 2007 142.0 175.4 2010 159.0 166.1 Three-year change (percent) 1992 19.6 -10.7 1995 22.0 15.4 1998 -1.1 14.1 2001 4.1 10.0 2004 22.5 5.6 2007 32.8 -1.1 2010 12.0 -5.3
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
199.9 186.1 180.3 214.3 247.3 292.3 291.2 272.2
287.9 269.9 294.5 358.3 440.0 501.5 527.0 406.9
455.9 425.7 460.8 543.8 684.3 730.3 832.0 736.3
1806.2 1636.5 1703.5 2268.3 2999.0 3219.7 3791.0 3264.0
-6.9 -3.1 18.9 15.4 18.2 -0.4 -6.5
-6.3 9.1 21.7 22.8 14.0 5.1 -22.8
-6.6 8.2 18.0 25.8 6.7 13.9 -11.5
-9.4 4.1 33.2 32.2 7.4 17.7 -13.9
Percent of families with assets By age of head
100
Percent
98
96
94
92 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 92.3 1992 92.9 1995 94.4 1998 94.8 2001 93.2 2004 96.5 2007 97.1 2010 95.5
35−44 65−74
Percent of families with assets Age of head 35-44 45-54 55-64
95.0 96.7 96.2 97.6 97.4 97.7 96.9 97.4
Three-year change (percentage points) 1992 0.6 1.7 1995 1.5 -0.5 1998 0.4 1.4 2001 -1.6 -0.2 2004 3.3 0.3 2007 0.6 -0.8 2010 -1.6 0.5
2004
2007
2010
45−54 75 or older
65-74
75 or older
94.9 96.8 97.3 96.7 98.1 98.3 97.6 98.3
95.0 96.9 96.4 98.2 98.4 97.5 99.1 98.3
97.4 96.8 97.7 98.5 97.1 99.5 98.4 97.1
96.4 97.5 98.4 96.4 97.8 99.6 98.1 98.7
1.9 0.5 -0.6 1.4 0.2 -0.7 0.7
1.9 -0.5 1.8 0.2 -0.9 1.6 -0.8
-0.6 0.9 0.8 -1.4 2.4 -1.1 -1.3
1.1 0.9 -2.0 1.4 1.8 -1.5 0.6
Median value of assets for families with holdings By age of head
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 33.7 176.4 1992 35.6 148.5 1995 45.5 156.6 1998 38.5 170.7 2001 47.6 193.2 2004 45.1 199.5 2007 40.7 232.9 2010 35.7 156.3 Three-year change (percent) 1992 5.6 -15.8 1995 27.8 5.5 1998 -15.4 9.0 2001 23.6 13.2 2004 -5.3 3.3 2007 -9.8 16.7 2010 -12.3 -32.9
Age of head 45-54 55-64
65-74
75 or older
235.0 186.6 213.1 238.6 260.0 270.5 320.6 248.4
206.9 213.3 227.7 264.4 278.5 407.0 365.1 286.6
142.7 162.0 177.3 218.8 263.0 268.4 317.8 281.6
136.9 135.7 136.4 180.0 209.5 213.1 229.8 237.7
-20.6 14.2 12.0 9.0 4.0 18.5 -22.5
3.1 6.8 16.1 5.3 46.1 -10.3 -21.5
13.5 9.4 23.4 20.2 2.1 18.4 -11.4
-0.9 0.5 32.0 16.4 1.7 7.8 3.4
Mean value of assets for families with holdings By age of head
Thousands of 2010 dollars
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 131.9 337.7 1992 118.4 286.1 1995 111.6 285.7 1998 141.8 358.2 2001 179.5 422.1 2004 163.6 477.6 2007 205.3 490.9 2010 141.3 356.2 Three-year change (percent) 1992 -10.2 -15.3 1995 -5.7 -0.1 1998 27.1 25.4 2001 26.6 17.8 2004 -8.9 13.1 2007 25.5 2.8 2010 -31.2 -27.4
Age of head 45-54 55-64
65-74
75 or older
554.3 492.3 515.2 595.1 701.8 769.6 849.9 725.8
586.3 575.0 618.1 794.6 983.0 1103.8 1109.4 1006.5
497.3 468.1 526.5 663.4 893.7 842.7 1156.2 947.1
427.3 341.7 376.4 439.6 598.7 635.2 697.2 714.6
-11.2 4.7 15.5 17.9 9.7 10.4 -14.6
-1.9 7.5 28.6 23.7 12.3 0.5 -9.3
-5.9 12.5 26.0 34.7 -5.7 37.2 -18.1
-20.0 10.2 16.8 36.2 6.1 9.8 2.5
Percent of families with assets By family structure
100
Percent
95 90 85 80 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
Year
Single with child(ren)
Level (percent) 1989 80.4 1992 86.0 1995 86.4 1998 90.7 2001 88.3 2004 94.9 2007 93.8 2010 94.6
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with assets Family structure Single, no Single, no Couple with child, child, child(ren) age<55 age≥55 89.3 93.2 95.2 93.7 95.1 96.5 94.8 95.3
Three-year change (percentage points) 1992 5.6 3.9 1995 0.4 2.0 1998 4.3 -1.5 2001 -2.4 1.4 2004 6.6 1.4 2007 -1.1 -1.7 2010 0.8 0.5
2010
Couple, no child
92.6 94.9 96.0 97.2 95.9 97.7 97.6 96.6
99.2 98.4 98.7 98.8 98.7 99.0 99.2 99.0
99.6 99.2 99.0 98.9 99.2 98.9 99.4 98.5
2.3 1.1 1.2 -1.3 1.8 -0.1 -1.0
-0.8 0.3 0.1 -0.1 0.3 0.2 -0.2
-0.4 -0.2 -0.1 0.3 -0.3 0.5 -0.9
Median value of assets for families with holdings By family structure
Thousands of 2010 dollars
350 300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 47.6 28.0 1992 41.5 38.7 1995 64.2 45.7 1998 51.1 39.5 2001 71.6 47.2 2004 71.0 54.7 2007 74.4 61.5 2010 70.0 50.0 Three-year change (percent) 1992 -12.8 1995 54.7 1998 -20.4 2001 40.1 2004 -0.8 2007 4.8 2010 -5.9
38.2 18.1 -13.6 19.5 15.9 12.4 -18.7
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
91.3 102.8 116.7 139.9 132.2 162.7 191.5 143.9
177.1 181.3 182.2 224.5 258.4 274.5 312.1 233.9
222.6 200.5 219.7 264.9 288.5 349.9 342.4 306.6
12.6 13.5 19.9 -5.5 23.1 17.7 -24.9
2.4 0.5 23.2 15.1 6.2 13.7 -25.1
-9.9 9.6 20.6 8.9 21.3 -2.1 -10.5
Mean value of assets for families with holdings By family structure
Thousands of 2010 dollars
1200 1000 800 600 400 200 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 163.3 168.4 1992 126.9 145.7 1995 152.8 141.7 1998 186.8 172.1 2001 177.5 232.7 2004 217.0 243.4 2007 266.9 292.6 2010 218.2 188.0 Three-year change (percent) 1992 -22.3 1995 20.4 1998 22.3 2001 -5.0 2004 22.3 2007 23.0 2010 -18.2
-13.5 -2.7 21.5 35.2 4.6 20.2 -35.7
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
231.1 260.8 305.3 358.2 391.7 442.6 445.4 441.9
413.6 402.7 396.5 506.2 661.3 731.8 801.1 717.1
632.7 529.6 567.8 715.8 862.6 977.9 1112.7 981.7
12.9 17.1 17.3 9.4 13.0 0.6 -0.8
-2.6 -1.5 27.7 30.6 10.7 9.5 -10.5
-16.3 7.2 26.1 20.5 13.4 13.8 -11.8
Percent of families with assets By education of head
100 98
Percent
96 94 92 90 88 1989
1992
1995
1998 2001 Year
No high school diploma Some college
Year
No high school diploma Level (percent) 1989 89.7 1992 88.1 1995 89.8 1998 88.4 2001 88.0 2004 91.1 2007 91.7 2010 92.5
2004
2010
High school diploma College degree
Percent of families with assets Education of head High school Some college diploma
Three-year change (percentage points) 1992 -1.6 1995 1.7 1998 -1.4 2001 -0.4 2004 3.1 2007 0.6 2010 0.8
2007
College degree
93.3 95.5 96.2 97.5 97.1 98.1 97.7 96.5
96.8 98.5 97.8 98.3 98.8 99.1 98.6 98.2
99.4 99.5 99.7 99.6 99.5 99.9 99.6 99.5
2.2 0.7 1.3 -0.4 1.0 -0.4 -1.2
1.7 -0.7 0.5 0.5 0.3 -0.5 -0.4
0.1 0.2 -0.1 -0.1 0.4 -0.3 -0.1
Median value of assets for families with holdings By education of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 74.5 1992 55.8 1995 70.8 1998 62.7 2001 79.8 2004 57.4 2007 67.7 2010 47.8 Three-year change (percent) 1992 -25.1 1995 26.9 1998 -11.4 2001 27.3 2004 -28.1 2007 17.9 2010 -29.4
Education of head High school Some college diploma
College degree
116.0 101.1 127.5 132.0 129.3 153.5 169.6 138.4
142.5 141.3 125.2 172.3 168.9 173.2 195.2 150.1
271.5 238.4 245.2 287.2 376.4 410.8 456.5 352.6
-12.8 26.1 3.5 -2.0 18.7 10.5 -18.4
-0.8 -11.4 37.6 -2.0 2.5 12.7 -23.1
-12.2 2.9 17.1 31.1 9.1 11.1 -22.8
Mean value of assets for families with holdings By education of head
Thousands of 2010 dollars
1400 1200 1000 800 600 400 200 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 172.4 1992 135.1 1995 150.9 1998 137.6 2001 167.3 2004 200.4 2007 199.5 2010 150.2 Three-year change (percent) 1992 -21.6 1995 11.7 1998 -8.8 2001 21.6 2004 19.8 2007 -0.4 2010 -24.7
Education of head High school Some college diploma
College degree
233.9 210.2 236.4 256.0 272.6 287.1 339.3 285.7
377.1 311.9 323.0 393.0 419.6 445.3 482.1 361.5
695.3 604.3 634.9 813.5 1096.2 1133.3 1324.5 1146.1
-10.1 12.5 8.3 6.5 5.3 18.2 -15.8
-17.3 3.6 21.7 6.8 6.1 8.3 -25.0
-13.1 5.1 28.1 34.8 3.4 16.9 -13.5
Percent of families with assets By race or ethnicity of respondent
100
Percent
95
90
85
80 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with assets Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 98.4 98.9 98.6 98.9 99.0 99.3 98.9 99.1
Three-year change (percentage points) 1992 0.5 1995 -0.3 1998 0.3 2001 0.1 2004 0.3 2007 -0.4 2010 0.2
83.5 86.7 88.7 90.0 89.8 94.4 94.9 94.1 3.2 2.0 1.3 -0.2 4.6 0.5 -0.8
Median value of assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 166.9 44.8 1992 159.1 51.1 1995 168.5 54.3 1998 194.7 60.2 2001 228.0 71.0 2004 258.5 68.5 2007 285.2 93.5 2010 238.9 76.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-4.7 5.9 15.5 17.1 13.4 10.3 -16.2
14.1 6.3 10.9 17.9 -3.5 36.5 -17.9
Mean value of assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
800 700 600 500 400 300 200 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 438.9 163.1 1992 394.9 171.9 1995 417.4 162.9 1998 525.4 194.7 2001 679.9 209.4 2004 754.1 256.5 2007 843.6 346.8 2010 772.2 263.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-10.0 5.7 25.9 29.4 10.9 11.9 -8.5
5.4 -5.2 19.5 7.6 22.5 35.2 -24.0
Percent of families with assets By current work status of head
100 95
Percent
90 85 80 75 70 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
2004
Three-year change (percentage points) 1992 0.8 1995 0.8 1998 -0.5 2001 -0.4 2004 0.6 2007 0.3 2010 -0.4
2010
Self−employed Other not working
Percent of families with assets Current work status of head Self-employed Retired
97.1 97.9 98.7 98.2 97.8 98.4 98.7 98.3
2007
Other not working
100.0 99.0 97.8 99.2 98.6 99.1 99.7 98.8
93.8 95.6 95.6 94.7 95.8 97.7 96.1 96.3
68.4 78.4 76.5 85.6 82.0 89.6 90.0 92.5
-1.0 -1.2 1.4 -0.6 0.5 0.6 -0.9
1.8 0.0 -0.9 1.1 1.9 -1.6 0.2
10.0 -1.9 9.1 -3.6 7.6 0.4 2.5
Median value of assets for families with holdings By current work status of head
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of assets for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 131.1 1992 118.1 1995 139.8 1998 149.5 2001 158.1 2004 185.5 2007 223.5 2010 165.7
370.9 305.6 323.2 439.1 538.2 547.3 569.8 440.2
136.6 129.6 136.0 180.0 179.6 190.5 213.2 197.9
20.8 30.7 26.9 23.7 58.0 34.9 29.1 41.0
Three-year change (percent) 1992 -9.9 1995 18.4 1998 6.9 2001 5.8 2004 17.3 2007 20.5 2010 -25.9
-17.6 5.8 35.9 22.6 1.7 4.1 -22.7
-5.1 4.9 32.4 -0.2 6.1 11.9 -7.2
47.6 -12.4 -11.9 144.7 -39.8 -16.6 40.9
Mean value of assets for families with holdings By current work status of head
Thousands of 2010 dollars
2500 2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of assets for families with holdings Year
Employee
Level (thousands of 2010 dollars) 1989 253.0 1992 247.2 1995 261.2 1998 300.2 2001 358.9 2004 420.5 2007 490.5 2010 415.4 Three-year change (percent) 1992 -2.3 1995 5.7 1998 14.9 2001 19.6 2004 17.2 2007 16.6 2010 -15.3
Current work status of head Self-employed Retired
Other not working
1184.4 1027.7 1108.4 1370.6 1702.2 1821.0 2268.6 1962.8
339.4 314.0 348.5 455.2 599.2 582.8 629.1 543.5
118.6 131.9 134.7 154.1 321.0 272.6 205.4 209.8
-13.2 7.9 23.7 24.2 7.0 24.6 -13.5
-7.5 11.0 30.6 31.6 -2.7 7.9 -13.6
11.2 2.1 14.4 108.3 -15.1 -24.7 2.1
Percent of families with assets By current occupation of head
100 98
Percent
96 94 92 90 88 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
Year
Managerial or professional Level (percent) 1989 99.6 1992 99.8 1995 99.9 1998 99.6 2001 99.8 2004 99.9 2007 99.8 2010 99.7
2004
2010
Technical, sales, or services Retired or other not working
Percent of families with assets Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 0.2 1995 0.1 1998 -0.3 2001 0.2 2004 0.1 2007 -0.1 2010 -0.1
2007
Retired or other not working
95.7 97.3 97.4 97.6 95.9 97.4 97.8 97.7
97.4 97.1 98.6 97.8 97.9 97.8 98.5 97.1
88.5 91.5 91.7 93.2 93.5 96.4 95.2 95.5
1.6 0.1 0.2 -1.7 1.5 0.4 -0.1
-0.3 1.5 -0.8 0.1 -0.1 0.7 -1.4
3.0 0.2 1.5 0.3 2.9 -1.2 0.3
Median value of assets for families with holdings By current occupation of head
Thousands of 2010 dollars
500
400
300
200
100 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 274.3 102.5 107.6 1992 252.7 106.3 96.0 1995 261.0 128.3 122.0 1998 283.2 121.2 136.6 2001 371.2 135.3 125.7 2004 402.3 131.6 152.8 2007 431.0 195.9 165.1 2010 347.5 115.5 147.2 Year
Three-year change (percent) 1992 -7.9 1995 3.3 1998 8.5 2001 31.1 2004 8.4 2007 7.1 2010 -19.4
3.7 20.7 -5.5 11.6 -2.7 48.9 -41.0
-10.8 27.1 12.0 -8.0 21.6 8.0 -10.8
Retired or other not working 112.5 103.1 121.4 154.7 154.6 170.7 186.0 163.3 -8.4 17.7 27.4 -0.1 10.4 9.0 -12.2
Mean value of assets for families with holdings By current occupation of head
Thousands of 2010 dollars
1400 1200 1000 800 600 400 200 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 735.9 278.0 228.6 1992 670.9 264.9 182.1 1995 717.2 294.4 208.7 1998 840.1 332.0 229.3 2001 1071.5 320.6 223.8 2004 1166.8 371.6 250.6 2007 1361.0 433.4 292.6 2010 1234.3 311.7 249.7 Year
Three-year change (percent) 1992 -8.8 1995 6.9 1998 17.1 2001 27.5 2004 8.9 2007 16.6 2010 -9.3
-4.7 11.1 12.8 -3.4 15.9 16.6 -28.1
-20.3 14.6 9.9 -2.4 12.0 16.8 -14.7
Retired or other not working 303.8 277.0 312.2 409.2 559.5 538.1 566.6 473.8 -8.8 12.7 31.1 36.7 -3.8 5.3 -16.4
Percent of families with assets By region
100
Percent
98
96
94
92 1989
1992
1995
1998 2001 Year
Northeast West
Year Northeast Level (percent) 1989 93.2 1992 92.2 1995 95.6 1998 96.4 2001 94.9 2004 97.9 2007 94.6 2010 95.1
2004
Midwest
2010
South
Percent of families with assets Region Midwest South
Three-year change (percentage points) 1992 -1.0 1995 3.4 1998 0.8 2001 -1.5 2004 3.0 2007 -3.3 2010 0.5
2007
West
93.9 97.5 96.2 96.9 98.7 99.2 98.4 98.0
93.9 96.3 96.3 97.1 96.2 97.3 98.5 97.5
98.3 96.5 97.4 96.8 97.2 97.7 98.4 98.7
3.6 -1.3 0.7 1.8 0.5 -0.8 -0.4
2.4 0.0 0.8 -0.9 1.1 1.2 -1.0
-1.8 0.9 -0.6 0.4 0.5 0.7 0.3
Median value of assets for families with holdings By region
Thousands of 2010 dollars
300 250 200 150 100 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 217.7 1992 184.8 1995 185.8 1998 200.1 2001 204.6 2004 311.3 2007 304.2 2010 260.0 Three-year change (percent) 1992 -15.1 1995 0.5 1998 7.7 2001 2.2 2004 52.2 2007 -2.3 2010 -14.5
Midwest
South
West
137.1 124.1 149.3 172.8 208.2 224.5 214.5 174.9
101.6 86.9 113.0 140.0 153.3 152.1 189.6 153.1
155.0 182.9 165.5 174.8 186.2 229.2 308.5 216.8
-9.5 20.3 15.7 20.5 7.8 -4.5 -18.5
-14.5 30.0 23.9 9.5 -0.8 24.7 -19.3
18.0 -9.5 5.6 6.5 23.1 34.6 -29.7
Mean value of assets for families with holdings By region
Thousands of 2010 dollars
900 800 700 600 500 400 300 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 442.2 1992 402.1 1995 430.0 1998 483.9 2001 652.7 2004 767.8 2007 828.7 2010 759.1 Three-year change (percent) 1992 -9.1 1995 6.9 1998 12.5 2001 34.9 2004 17.6 2007 7.9 2010 -8.4
Midwest
South
West
373.3 313.9 339.9 399.0 487.1 593.3 583.3 496.1
273.3 261.3 319.3 424.5 541.0 486.0 623.1 535.0
487.7 467.7 407.9 538.4 647.1 746.8 855.3 740.5
-15.9 8.3 17.4 22.1 21.8 -1.7 -14.9
-4.4 22.2 32.9 27.4 -10.2 28.2 -14.1
-4.1 -12.8 32.0 20.2 15.4 14.5 -13.4
Percent of families with assets By urbanicity
99
Percent
98 97 96 95 94 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Percent of families with assets Urbanicity Metropolitan Statistical Area (MSA) 94.0 95.6 96.1 96.5 96.4 97.8 97.7 97.4
Three-year change (percentage points) 1992 1.6 1995 0.5 1998 0.4 2001 -0.1 2004 1.4 2007 -0.1 2010 -0.3
2004
2007
2010
Non−MSA
Non-MSA
97.7 97.0 98.2 99.0 98.8 98.4 97.9 97.8 -0.7 1.2 0.8 -0.2 -0.4 -0.5 -0.1
Median value of assets for families with holdings By urbanicity
Thousands of 2010 dollars
250
200
150
100
50 1989
1992
1995
1998 2001 Year
2004
2007
Metropolitan Statistical Area (MSA)
Non−MSA
Median value of assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 145.4 1992 145.6 1995 153.1 1998 170.2 2001 189.6 2004 228.7 2007 255.7 2010 199.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
0.1 5.2 11.2 11.4 20.6 11.8 -21.8
2010
Non-MSA
114.5 86.4 107.2 141.4 137.5 128.0 156.3 140.1 -24.5 24.1 31.9 -2.8 -6.9 22.1 -10.4
Mean value of assets for families with holdings By urbanicity
Thousands of 2010 dollars
800 700 600 500 400 300 200 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
2007
Non−MSA
Mean value of assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 407.2 1992 387.0 1995 391.5 1998 493.8 2001 618.5 2004 697.8 2007 782.4 2010 678.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-5.0 1.2 26.1 25.3 12.8 12.1 -13.3
2010
Non-MSA
256.2 163.0 213.4 229.7 291.4 251.3 313.2 296.9 -36.4 30.9 7.6 26.9 -13.8 24.6 -5.2
Percent of families with assets By housing status
100
Percent
95
90
85 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
2007
Renter or other
Percent of families with assets Housing status Owner 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
2004
Renter or other 85.2 88.5 89.7 90.7 89.9 93.3 92.8 92.2 3.3 1.2 1.0 -0.8 3.4 -0.5 -0.6
2010
Median value of assets for families with holdings By housing status
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 218.0 1992 212.2 1995 225.1 1998 257.3 2001 296.0 2004 333.8 2007 361.4 2010 296.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-2.7 6.1 14.3 15.0 12.8 8.3 -18.0
Renter or other 11.5 13.7 17.5 15.5 16.4 14.0 14.2 12.6 19.1 27.7 -11.4 5.8 -14.6 1.4 -11.3
2010
Mean value of assets for families with holdings By housing status
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 518.5 1992 479.2 1995 503.9 1998 628.7 2001 780.5 2004 847.0 2007 958.3 2010 851.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-7.6 5.2 24.8 24.1 8.5 13.1 -11.2
Renter or other 84.8 76.6 81.1 76.5 87.7 80.1 97.8 79.3 -9.7 5.9 -5.7 14.6 -8.7 22.1 -18.9
2010
Percent of families with assets By percentile of net worth
100
Percent
95 90 85 80 75 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
Year Less than 25 Level (percent) 1989 78.6 1992 83.3 1995 85.5 1998 87.4 2001 87.0 2004 91.7 2007 91.0 2010 89.8
25−49.9 90−100
Percent of families with assets Percentile of net worth 25-49.9 50-74.9 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 4.7 0.0 1995 2.2 0.0 1998 1.9 0.0 2001 -0.4 0.0 2004 4.7 0.0 2007 -0.7 0.0 2010 -1.2 0.0
2004
2007
2010
50−74.9
75-89.9
90-100
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
Median value of assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
2500 2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 4.8 57.0 1992 5.8 59.2 1995 8.1 69.0 1998 7.9 81.1 2001 10.0 92.3 2004 8.9 97.2 2007 8.5 113.4 2010 7.3 69.1 Three-year change (percent) 1992 20.8 1995 39.7 1998 -2.5 2001 26.6 2004 -11.0 2007 -4.5 2010 -14.1
3.9 16.6 17.5 13.8 5.3 16.7 -39.1
Percentile of net worth 50-74.9
75-89.9
90-100
187.3 177.9 183.0 220.6 266.6 296.5 319.3 240.3
421.3 358.3 364.8 484.1 623.9 692.1 721.6 583.8
1303.0 1118.9 1074.1 1299.3 1769.1 1809.5 2211.1 2082.8
-5.0 2.9 20.5 20.9 11.2 7.7 -24.7
-15.0 1.8 32.7 28.9 10.9 4.3 -19.1
-14.1 -4.0 21.0 36.2 2.3 22.2 -5.8
Mean value of assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
5000 4000 3000 2000 1000 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 13.1 68.7 1992 14.6 74.8 1995 20.3 88.1 1998 23.1 97.7 2001 22.0 104.5 2004 24.2 118.1 2007 30.6 139.6 2010 49.7 100.4 Three-year change (percent) 1992 11.5 1995 39.0 1998 13.8 2001 -4.8 2004 10.0 2007 26.4 2010 62.4
8.9 17.8 10.9 7.0 13.0 18.2 -28.1
Percentile of net worth 50-74.9
75-89.9
90-100
201.4 190.0 200.9 235.3 277.6 320.5 349.3 261.4
446.3 392.3 395.6 512.0 646.9 726.2 747.6 642.8
2202.9 2025.8 2157.7 2747.9 3562.2 3836.9 4448.2 3986.5
-5.7 5.7 17.1 18.0 15.5 9.0 -25.2
-12.1 0.8 29.4 26.3 12.3 2.9 -14.0
-8.0 6.5 27.4 29.6 7.7 15.9 -10.4
Percent of families with financial assets For all families
94
Percent
93
92
91
90
89 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with financial assets All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
88.9 90.3 91.2 93.1 93.4 93.8 93.9 94.0 1.4 0.9 1.9 0.3 0.4 0.1 0.1
2007
2010
Median value of financial assets for families with holdings For all families
Thousands of 2010 dollars
35
30
25
20
15 1989
1992
1995
1998 2001 Year
2004
2007
Median value of financial assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 19.0 17.6 21.9 29.9 34.6 26.5 30.2 21.5 -7.4 24.4 36.5 15.7 -23.4 14.0 -28.8
2010
Mean value of financial assets for families with holdings For all families
Thousands of 2010 dollars
250
200
150
100 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of financial assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 122.7 115.8 141.7 192.6 250.1 232.3 248.8 240.6 -5.6 22.4 35.9 29.9 -7.1 7.1 -3.3
2010
Percent of families with financial assets By percentile of income
100
Percent
90
80
70
60 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 61.7 1992 68.5 1995 70.1 1998 75.8 2001 75.5 2004 80.1 2007 79.1 2010 79.2
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with financial assets Percentile of income 20-39.9 40-59.9 60-79.9 80-89.9
88.0 88.4 91.2 93.0 93.7 91.5 93.2 93.6
Three-year change (percentage points) 1992 6.8 0.4 1995 1.6 2.8 1998 5.7 1.8 2001 -0.3 0.7 2004 4.6 -2.2 2007 -1.0 1.7 2010 0.1 0.4
2010
90-100
96.0 95.4 96.8 97.3 98.5 98.5 97.2 97.8
98.9 99.5 98.2 99.3 99.6 99.1 99.7 99.6
99.9 100.0 100.0 99.8 99.8 99.8 100.0 100.0
99.7 98.8 100.0 100.0 99.7 100.0 100.0 100.0
-0.6 1.4 0.5 1.2 0.0 -1.3 0.6
0.6 -1.3 1.1 0.3 -0.5 0.6 -0.1
0.1 0.0 -0.2 0.0 0.0 0.2 0.0
-0.9 1.2 0.0 -0.3 0.3 0.0 0.0
Median value of financial assets for families with holdings By percentile of income
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of financial assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 1.8 7.4 1992 1.8 5.9 1995 2.0 8.5 1998 2.4 8.7 2001 2.5 9.8 2004 1.5 5.6 2007 1.8 7.3 2010 1.1 5.2 Three-year change (percent) 1992 0.0 -20.3 1995 11.1 44.1 1998 20.0 2.4 2001 4.2 12.6 2004 -40.0 -42.9 2007 20.0 30.4 2010 -38.9 -28.8
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
14.0 11.8 13.7 21.5 21.3 17.9 19.9 17.0
25.0 26.4 30.3 48.8 69.2 55.7 62.9 39.5
48.5 59.1 68.3 107.9 120.1 125.4 138.0 120.2
242.9 195.6 215.0 295.5 451.0 421.4 423.8 550.8
-15.7 16.1 56.9 -0.9 -16.0 11.2 -14.6
5.6 14.8 61.1 41.8 -19.5 12.9 -37.2
21.9 15.6 58.0 11.3 4.4 10.0 -12.9
-19.5 9.9 37.4 52.6 -6.6 0.6 30.0
Mean value of financial assets for families with holdings By percentile of income
Thousands of 2010 dollars
1500
1000
500
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of financial assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 20.2 39.7 1992 15.6 33.6 1995 22.5 46.0 1998 25.0 55.3 2001 29.6 54.6 2004 26.7 49.1 2007 31.0 51.7 2010 38.7 42.7 Three-year change (percent) 1992 -22.8 -15.4 1995 44.2 36.9 1998 11.1 20.2 2001 18.4 -1.3 2004 -9.8 -10.1 2007 16.1 5.3 2010 24.8 -17.4
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
53.3 53.2 60.5 70.0 98.9 83.5 82.6 83.8
82.6 78.1 97.7 130.1 184.1 169.3 173.4 139.5
120.0 133.3 172.3 225.8 288.1 279.6 248.9 291.2
611.8 581.0 696.6 1031.3 1344.5 1267.1 1434.1 1388.0
-0.2 13.7 15.7 41.3 -15.6 -1.1 1.5
-5.4 25.1 33.2 41.5 -8.0 2.4 -19.6
11.1 29.3 31.1 27.6 -3.0 -11.0 17.0
-5.0 19.9 48.0 30.4 -5.8 13.2 -3.2
Percent of families with financial assets By age of head
100
Percent
95
90
85 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 84.8 1992 85.8 1995 87.0 1998 88.8 2001 89.7 2004 90.1 2007 89.2 2010 91.3
2004
35−44 65−74
Percent of families with financial assets Age of head 35-44 45-54 55-64
90.4 91.0 92.3 93.3 93.5 93.6 93.1 92.7
Three-year change (percentage points) 1992 1.0 0.6 1995 1.2 1.3 1998 1.8 1.0 2001 0.9 0.2 2004 0.4 0.1 2007 -0.9 -0.5 2010 2.1 -0.4
2007
2010
45−54 75 or older
65-74
75 or older
90.8 92.6 93.0 95.3 94.7 93.6 93.3 94.2
87.7 92.5 91.2 95.6 95.2 95.2 97.8 95.8
92.6 91.2 93.0 95.6 94.6 96.5 96.1 96.2
91.4 92.1 94.2 92.1 95.4 97.6 97.4 96.4
1.8 0.4 2.3 -0.6 -1.1 -0.3 0.9
4.8 -1.3 4.4 -0.4 0.0 2.6 -2.0
-1.4 1.8 2.6 -1.0 1.9 -0.4 0.1
0.7 2.1 -2.1 3.3 2.2 -0.2 -1.0
Median value of financial assets for families with holdings By age of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of financial assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 4.6 23.7 1992 5.7 15.2 1995 7.6 19.3 1998 6.0 30.5 2001 7.6 33.1 2004 6.0 21.9 2007 7.1 27.2 2010 5.5 14.5 Three-year change (percent) 1992 23.9 -35.9 1995 33.3 27.0 1998 -21.1 58.0 2001 26.7 8.5 2004 -21.1 -33.8 2007 18.3 24.2 2010 -22.5 -46.7
Age of head 45-54 55-64
65-74
75 or older
31.0 30.0 38.6 49.8 55.3 45.1 56.9 33.7
43.5 43.4 46.0 61.1 71.7 90.5 77.2 55.8
32.0 38.7 29.9 61.1 63.0 41.5 71.3 45.2
49.7 31.9 32.4 48.9 52.1 44.6 43.5 43.8
-3.2 28.7 29.0 11.0 -18.4 26.2 -40.8
-0.2 6.0 32.8 17.3 26.2 -14.7 -27.7
20.9 -22.7 104.3 3.1 -34.1 71.8 -36.6
-35.8 1.6 50.9 6.5 -14.4 -2.5 0.7
Mean value of financial assets for families with holdings By age of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of financial assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 29.6 82.8 1992 27.1 70.7 1995 33.9 81.8 1998 46.4 131.6 2001 60.4 140.1 2004 32.5 132.5 2007 33.4 125.6 2010 30.0 111.9 Three-year change (percent) 1992 -8.4 -14.6 1995 25.1 15.7 1998 36.9 60.9 2001 30.2 6.5 2004 -46.2 -5.4 2007 2.8 -5.2 2010 -10.2 -10.9
Age of head 45-54 55-64
65-74
75 or older
156.1 151.6 193.3 223.0 296.4 263.4 286.5 263.3
199.2 215.3 241.4 358.7 471.5 451.9 433.6 429.0
197.5 177.7 238.3 335.3 407.6 385.2 471.6 405.8
212.7 166.2 198.0 215.9 338.2 288.5 285.5 313.9
-2.9 27.5 15.4 32.9 -11.1 8.8 -8.1
8.1 12.1 48.6 31.4 -4.2 -4.0 -1.1
-10.0 34.1 40.7 21.6 -5.5 22.4 -14.0
-21.9 19.1 9.0 56.6 -14.7 -1.0 9.9
Percent of families with financial assets By family structure
100
Percent
95 90 85 80 75 70 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
Year
Single with child(ren)
Level (percent) 1989 72.4 1992 75.8 1995 77.5 1998 83.4 2001 81.7 2004 86.5 2007 84.6 2010 88.9
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with financial assets Family structure Single, no Single, no Couple with child, child, child(ren) age<55 age≥55 83.6 87.3 88.8 90.8 92.2 91.8 90.0 90.6
Three-year change (percentage points) 1992 3.4 3.7 1995 1.7 1.5 1998 5.9 2.0 2001 -1.7 1.4 2004 4.8 -0.4 2007 -1.9 -1.8 2010 4.3 0.6
2010
Couple, no child
85.3 88.9 90.1 92.9 92.7 94.6 96.2 93.5
92.9 93.4 94.5 94.9 95.3 95.4 95.1 95.7
96.7 95.5 95.6 96.5 96.9 96.0 97.3 96.6
3.6 1.2 2.8 -0.2 1.9 1.6 -2.7
0.5 1.1 0.4 0.4 0.1 -0.3 0.6
-1.2 0.1 0.9 0.4 -0.9 1.3 -0.7
Median value of financial assets for families with holdings By family structure
Thousands of 2010 dollars
80 60 40 20 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of financial assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 4.9 6.9 1992 4.2 7.6 1995 5.0 10.3 1998 7.5 11.4 2001 8.5 12.3 2004 3.7 8.4 2007 6.3 13.3 2010 4.8 7.9 Three-year change (percent) 1992 -14.3 1995 19.0 1998 50.0 2001 13.3 2004 -56.5 2007 70.3 2010 -23.8
10.1 35.5 10.7 7.9 -31.7 58.3 -40.6
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
20.8 17.0 22.2 36.7 30.3 28.8 28.3 22.1
21.3 21.5 23.9 35.6 45.9 34.8 31.3 25.1
42.1 40.8 45.7 60.2 70.2 69.5 73.8 57.2
-18.3 30.6 65.3 -17.4 -5.0 -1.7 -21.9
0.9 11.2 49.0 28.9 -24.2 -10.1 -19.8
-3.1 12.0 31.7 16.6 -1.0 6.2 -22.5
Mean value of financial assets for families with holdings By family structure
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of financial assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 41.4 52.0 1992 42.8 51.8 1995 50.4 47.1 1998 78.8 73.6 2001 63.3 104.1 2004 59.4 81.5 2007 85.5 91.8 2010 72.9 69.8 Three-year change (percent) 1992 3.4 1995 17.8 1998 56.3 2001 -19.7 2004 -6.2 2007 43.9 2010 -14.7
-0.4 -9.1 56.3 41.4 -21.7 12.6 -24.0
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
98.4 108.7 157.2 185.3 204.5 193.7 192.8 197.0
104.4 108.1 133.6 177.5 242.0 231.8 236.2 249.6
240.5 195.4 229.2 329.3 411.8 409.9 433.2 412.9
10.5 44.6 17.9 10.4 -5.3 -0.5 2.2
3.5 23.6 32.9 36.3 -4.2 1.9 5.7
-18.8 17.3 43.7 25.1 -0.5 5.7 -4.7
Percent of families with financial assets By education of head
100
Percent
95 90 85 80 75 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2.9 1.1 2.9 -0.8 0.0 0.4 -0.6
2010
High school diploma College degree
Percent of families with financial assets Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 76.4 86.8 94.1 1992 73.7 89.7 95.0 1995 76.0 90.8 94.4 1998 76.5 93.7 95.8 2001 78.0 92.9 97.2 2004 77.4 92.9 96.7 2007 79.7 93.3 95.6 2010 80.8 92.7 95.0 Three-year change (percentage points) 1992 -2.7 1995 2.3 1998 0.5 2001 1.5 2004 -0.6 2007 2.3 2010 1.1
2007
0.9 -0.6 1.4 1.4 -0.5 -1.1 -0.6
College degree
99.3 98.8 99.0 99.1 99.2 99.6 98.9 98.9 -0.5 0.2 0.1 0.1 0.4 -0.7 0.0
Median value of financial assets for families with holdings
Thousands of 2010 dollars
By education of head
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of financial assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 6.7 1992 3.8 1995 5.7 1998 6.5 2001 5.4 2004 2.5 2007 3.1 2010 1.6 Three-year change (percent) 1992 -43.3 1995 50.0 1998 14.0 2001 -16.9 2004 -53.7 2007 24.0 2010 -48.4
Education of head High school Some college diploma
College degree
13.1 12.0 14.9 17.3 17.1 13.8 14.9 10.3
20.4 16.8 19.4 27.2 26.6 18.4 21.0 14.0
40.6 42.4 48.2 81.0 107.6 90.7 101.0 75.7
-8.4 24.2 16.1 -1.2 -19.3 8.0 -30.9
-17.6 15.5 40.2 -2.2 -30.8 14.1 -33.3
4.4 13.7 68.0 32.8 -15.7 11.4 -25.0
Mean value of financial assets for families with holdings By education of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of financial assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 45.8 1992 41.0 1995 44.5 1998 39.4 2001 50.7 2004 50.0 2007 47.9 2010 27.9 Three-year change (percent) 1992 -10.5 1995 8.5 1998 -11.5 2001 28.7 2004 -1.4 2007 -4.2 2010 -41.8
Education of head High school Some college diploma
College degree
67.7 63.6 77.3 90.7 95.4 90.5 90.6 77.1
116.2 89.9 120.4 151.6 169.5 143.6 132.5 115.7
233.4 210.1 260.4 365.6 502.0 441.9 508.4 488.0
-6.1 21.5 17.3 5.2 -5.1 0.1 -14.9
-22.6 33.9 25.9 11.8 -15.3 -7.7 -12.7
-10.0 23.9 40.4 37.3 -12.0 15.0 -4.0
Percent of families with financial assets By race or ethnicity of respondent
100 95
Percent
90 85 80 75 70 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with financial assets Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 95.2 95.5 95.1 96.5 96.7 97.2 96.8 97.3
Three-year change (percentage points) 1992 0.3 1995 -0.4 1998 1.4 2001 0.2 2004 0.5 2007 -0.4 2010 0.5
70.2 74.2 78.1 81.6 83.3 85.0 86.7 87.2 4.0 3.9 3.5 1.7 1.7 1.7 0.5
Median value of financial assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of financial assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 26.6 3.4 1992 23.8 4.5 1995 26.5 7.9 1998 40.3 8.7 2001 48.4 8.8 2004 41.9 5.8 2007 47.2 9.4 2010 37.1 6.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-10.5 11.3 52.1 20.1 -13.4 12.6 -21.4
32.4 75.6 10.1 1.1 -34.1 62.1 -36.2
Mean value of financial assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of financial assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 144.6 34.8 1992 134.6 42.0 1995 161.5 58.1 1998 223.8 70.0 2001 301.3 68.3 2004 288.6 65.1 2007 313.1 75.7 2010 309.1 82.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-6.9 20.0 38.6 34.6 -4.2 8.5 -1.3
20.7 38.3 20.5 -2.4 -4.7 16.3 8.6
Percent of families with financial assets By current work status of head
100
Percent
90 80 70 60 50 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 0.6 1995 1.1 1998 0.6 2001 -0.1 2004 -0.4 2007 -0.3 2010 1.0
2010
Self−employed Other not working
Percent of families with financial assets Current work status of head Employee Self-employed Retired
92.7 93.3 94.4 95.0 94.9 94.5 94.2 95.2
2007
Other not working
98.6 98.1 94.6 96.9 97.6 96.1 98.0 96.4
85.9 88.1 89.1 90.3 91.1 93.6 93.7 92.9
51.3 66.6 65.4 75.1 74.0 79.6 81.3 85.0
-0.5 -3.5 2.3 0.7 -1.5 1.9 -1.6
2.2 1.0 1.2 0.8 2.5 0.1 -0.8
15.3 -1.2 9.7 -1.1 5.6 1.7 3.7
Median value of financial assets for families with holdings By current work status of head
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of financial assets for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 15.6 1992 15.7 1995 20.7 1998 25.3 2001 30.0 2004 23.6 2007 30.2 2010 20.9
31.2 30.3 35.3 61.2 74.7 64.6 56.7 50.5
34.4 25.3 26.9 43.9 40.9 30.5 31.3 29.1
2.0 4.5 3.5 3.3 7.0 5.8 3.9 2.8
Three-year change (percent) 1992 0.6 1995 31.8 1998 22.2 2001 18.6 2004 -21.3 2007 28.0 2010 -30.8
-2.9 16.5 73.4 22.1 -13.5 -12.2 -10.9
-26.5 6.3 63.2 -6.8 -25.4 2.6 -7.0
125.0 -22.2 -5.7 112.1 -17.1 -32.8 -28.2
Mean value of financial assets for families with holdings By current work status of head
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of financial assets for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 76.0 1992 83.9 1995 107.4 1998 131.8 2001 164.6 2004 157.3 2007 185.1 2010 182.8
287.5 248.6 290.5 432.1 550.3 510.3 605.5 568.6
166.9 141.4 178.6 250.5 336.7 297.9 276.2 260.3
35.6 44.9 50.4 68.3 160.2 127.6 61.5 80.9
Three-year change (percent) 1992 10.4 1995 28.0 1998 22.7 2001 24.9 2004 -4.4 2007 17.7 2010 -1.2
-13.5 16.9 48.7 27.4 -7.3 18.7 -6.1
-15.3 26.3 40.3 34.4 -11.5 -7.3 -5.8
26.1 12.2 35.5 134.6 -20.3 -51.8 31.5
Percent of families with financial assets By current occupation of head
100
Percent
95 90 85 80 75 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
1.5 -0.7 1.9 -1.4 -0.4 1.2 -0.3
2010
Technical, sales, or services Retired or other not working
Percent of families with financial assets Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 99.4 92.0 90.0 1992 99.4 93.5 88.9 1995 98.8 92.8 92.6 1998 99.0 94.7 92.3 2001 99.4 93.3 92.5 2004 99.5 92.9 90.5 2007 98.7 94.1 90.2 2010 99.2 93.8 91.6 Three-year change (percentage points) 1992 0.0 1995 -0.6 1998 0.2 2001 0.4 2004 0.1 2007 -0.8 2010 0.5
2007
-1.1 3.7 -0.3 0.2 -2.0 -0.3 1.4
Retired or other not working 78.7 83.0 84.3 87.7 88.3 91.4 91.8 91.2 4.3 1.3 3.4 0.6 3.1 0.4 -0.6
Median value of financial assets for families with holdings By current occupation of head
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of financial assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 42.0 9.5 11.5 1992 42.6 12.3 9.6 1995 49.5 16.6 13.5 1998 70.7 19.5 16.0 2001 83.3 21.5 15.8 2004 77.5 14.1 13.1 2007 82.1 18.4 14.6 2010 64.5 10.5 11.7 Year
Three-year change (percent) 1992 1.4 1995 16.2 1998 42.8 2001 17.8 2004 -7.0 2007 5.9 2010 -21.4
29.5 35.0 17.5 10.3 -34.4 30.5 -42.9
-16.5 40.6 18.5 -1.2 -17.1 11.5 -19.9
Retired or other not working 24.5 17.1 20.5 33.3 35.8 22.4 24.8 15.9 -30.2 19.9 62.4 7.5 -37.4 10.7 -35.9
Mean value of financial assets for families with holdings By current occupation of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of financial assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 211.6 76.0 48.8 1992 205.5 77.3 42.1 1995 272.8 96.7 54.0 1998 341.7 119.4 66.1 2001 428.8 123.3 75.9 2004 388.6 119.2 70.1 2007 475.2 126.4 61.6 2010 459.8 112.8 69.5 Year
Three-year change (percent) 1992 -2.9 1995 32.7 1998 25.3 2001 25.5 2004 -9.4 2007 22.3 2010 -3.2
1.7 25.1 23.5 3.3 -3.3 6.0 -10.8
-13.7 28.3 22.4 14.8 -7.6 -12.1 12.8
Retired or other not working 149.1 123.0 158.4 224.8 312.6 274.9 246.5 224.3 -17.5 28.8 41.9 39.1 -12.1 -10.3 -9.0
Percent of families with financial assets By region
100
Percent
95
90
85
80 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
Three-year change (percentage points) 1992 -2.0 1995 2.8 1998 2.9 2001 -0.8 2004 2.6 2007 -3.9 2010 0.5
2010
South
Percent of families with financial assets Region Northeast Midwest South 90.9 88.9 91.7 94.6 93.8 96.4 92.5 93.0
2007
West
89.9 94.5 92.3 94.0 96.2 96.5 95.4 95.5
83.0 88.0 89.1 91.3 91.7 90.7 93.5 92.9
95.5 90.4 93.2 93.5 93.0 94.0 93.9 95.4
4.6 -2.2 1.7 2.2 0.3 -1.1 0.1
5.0 1.1 2.2 0.4 -1.0 2.8 -0.6
-5.1 2.8 0.3 -0.5 1.0 -0.1 1.5
Median value of financial assets for families with holdings By region
Thousands of 2010 dollars
50
40
30
20
10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of financial assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 28.5 1992 23.8 1995 31.9 1998 37.9 2001 39.3 2004 50.2 2007 46.4 2010 33.4 Three-year change (percent) 1992 -16.5 1995 34.0 1998 18.8 2001 3.7 2004 27.7 2007 -7.6 2010 -28.0
Midwest
South
West
25.3 21.2 23.2 35.5 42.9 36.0 32.7 23.5
12.6 11.7 16.3 22.3 27.0 14.0 22.0 16.6
14.8 19.6 20.4 26.8 33.9 26.7 30.5 20.3
-16.2 9.4 53.0 20.8 -16.1 -9.2 -28.1
-7.1 39.3 36.8 21.1 -48.1 57.1 -24.5
32.4 4.1 31.4 26.5 -21.2 14.2 -33.4
Mean value of financial assets for families with holdings By region
Thousands of 2010 dollars
350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of financial assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 156.5 1992 133.8 1995 177.8 1998 213.4 2001 317.6 2004 303.4 2007 319.1 2010 322.3 Three-year change (percent) 1992 -14.5 1995 32.9 1998 20.0 2001 48.8 2004 -4.5 2007 5.2 2010 1.0
Midwest
South
West
127.8 109.3 131.5 167.2 217.4 236.6 231.1 195.8
90.7 100.6 129.8 189.3 229.7 195.1 224.6 203.4
131.0 131.3 138.8 207.0 260.0 225.0 249.9 280.9
-14.5 20.3 27.1 30.0 8.8 -2.3 -15.3
10.9 29.0 45.8 21.3 -15.1 15.1 -9.4
0.2 5.7 49.1 25.6 -13.5 11.1 12.4
Percent of families with financial assets By urbanicity
94
Percent
93 92 91 90 89 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Percent of families with financial assets Urbanicity Metropolitan Statistical Area (MSA) 88.6 90.6 91.4 92.9 93.3 93.9 94.3 94.2
Three-year change (percentage points) 1992 2.0 1995 0.8 1998 1.5 2001 0.4 2004 0.6 2007 0.4 2010 -0.1
2007
2010
Non−MSA
Non-MSA
90.0 88.9 90.6 94.2 94.0 93.2 91.8 93.1 -1.1 1.7 3.6 -0.2 -0.8 -1.4 1.3
Median value of financial assets for families with holdings By urbanicity
Thousands of 2010 dollars
40 35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of financial assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 19.3 1992 20.1 1995 23.4 1998 31.0 2001 37.4 2004 32.1 2007 34.2 2010 23.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
4.1 16.4 32.5 20.6 -14.2 6.5 -30.1
2010
Non-MSA
16.8 10.5 12.7 19.6 24.5 10.8 16.8 13.3 -37.5 21.0 54.3 25.0 -55.9 55.6 -20.8
Mean value of financial assets for families with holdings By urbanicity
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of financial assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 132.8 1992 129.2 1995 154.9 1998 211.6 2001 272.1 2004 263.8 2007 279.4 2010 273.1 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-2.7 19.9 36.6 28.6 -3.1 5.9 -2.3
2010
Non-MSA
80.3 55.8 64.3 83.4 114.0 79.0 96.0 82.7 -30.5 15.2 29.7 36.7 -30.7 21.5 -13.9
Percent of families with financial assets By housing status
100
Percent
95 90 85 80 75 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with financial assets Housing status Owner Renter or other 96.0 95.7 96.7 97.6 97.9 97.5 98.4 98.0
Three-year change (percentage points) 1992 -0.3 1995 1.0 1998 0.9 2001 0.3 2004 -0.4 2007 0.9 2010 -0.4
76.2 80.6 81.2 84.2 84.1 85.5 84.0 85.8 4.4 0.6 3.0 -0.1 1.4 -1.5 1.8
2010
Median value of financial assets for families with holdings By housing status
Thousands of 2010 dollars
60 50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of financial assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 33.4 1992 32.9 1995 34.5 1998 55.0 2001 63.0 2004 55.2 2007 57.7 2010 45.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-1.5 4.9 59.4 14.5 -12.4 4.5 -20.6
Renter or other 3.7 4.4 6.4 4.7 4.8 3.5 4.0 3.0 18.9 45.5 -26.6 2.1 -27.1 14.3 -25.0
2010
Mean value of financial assets for families with holdings By housing status
Thousands of 2010 dollars
350 300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of financial assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 159.7 1992 153.2 1995 181.6 1998 255.4 2001 329.8 2004 307.5 2007 325.3 2010 323.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-4.1 18.5 40.6 29.1 -6.8 5.8 -0.4
Renter or other 40.2 37.1 54.6 49.6 56.2 41.0 52.7 44.9 -7.7 47.2 -9.2 13.3 -27.0 28.5 -14.8
2010
Percent of families with financial assets By percentile of net worth
100
Percent
90
80
70
60 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
-0.3 0.0 1.2 -0.1 0.4 0.1 -0.8
2010
50−74.9
Percent of families with financial assets Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 63.8 93.7 98.2 99.6 1992 71.4 92.0 97.9 99.5 1995 72.2 94.9 97.9 100.0 1998 78.1 95.1 99.1 99.9 2001 78.0 96.9 99.0 99.8 2004 79.8 96.1 99.4 100.0 2007 79.6 96.4 99.5 100.0 2010 81.7 96.1 98.7 99.4 Three-year change (percentage points) 1992 7.6 -1.7 1995 0.8 2.9 1998 5.9 0.2 2001 -0.1 1.8 2004 1.8 -0.8 2007 -0.2 0.3 2010 2.1 -0.3
2007
-0.1 0.5 -0.1 -0.1 0.2 0.0 -0.6
90-100 100.0 99.9 100.0 100.0 100.0 100.0 100.0 100.0 -0.1 0.1 0.0 0.0 0.0 0.0 0.0
Median value of financial assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of financial assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.3 9.3 1992 1.2 9.1 1995 1.4 11.5 1998 1.4 13.9 2001 1.6 13.1 2004 1.2 11.4 2007 1.5 14.0 2010 1.1 7.8 Three-year change (percent) 1992 -7.7 1995 16.7 1998 0.0 2001 14.3 2004 -25.0 2007 25.0 2010 -26.7
-2.2 26.4 20.9 -5.8 -13.0 22.8 -44.3
Percentile of net worth 50-74.9
75-89.9
90-100
30.1 33.7 35.4 57.4 67.0 54.3 63.6 45.2
116.1 111.8 118.3 193.6 249.5 233.6 226.6 201.0
402.3 382.8 458.4 616.9 876.4 839.2 809.9 888.0
12.0 5.0 62.1 16.7 -19.0 17.1 -28.9
-3.7 5.8 63.7 28.9 -6.4 -3.0 -11.3
-4.8 19.7 34.6 42.1 -4.2 -3.5 9.6
Mean value of financial assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
2000
1500
1000
500
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of financial assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 2.6 14.7 1992 2.6 13.5 1995 3.8 16.9 1998 4.4 19.8 2001 3.9 21.5 2004 3.4 19.8 2007 4.8 22.7 2010 5.7 15.5 Three-year change (percent) 1992 0.0 1995 46.2 1998 15.8 2001 -11.4 2004 -12.8 2007 41.2 2010 18.8
-8.2 25.2 17.2 8.6 -7.9 14.6 -31.7
Percentile of net worth 50-74.9
75-89.9
90-100
43.4 45.2 48.2 68.9 82.4 73.2 82.7 62.1
134.4 125.4 140.8 204.3 265.3 256.4 254.4 234.0
744.3 712.6 917.0 1259.4 1675.6 1557.9 1683.3 1711.6
4.1 6.6 42.9 19.6 -11.2 13.0 -24.9
-6.7 12.3 45.1 29.9 -3.4 -0.8 -8.0
-4.3 28.7 37.3 33.0 -7.0 8.0 1.7
Percent of families with transaction accounts For all families
92
Percent
90
88
86 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with transaction accounts All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
85.5 86.9 87.4 90.6 91.4 91.3 92.1 92.5 1.4 0.5 3.2 0.8 -0.1 0.8 0.4
2007
2010
Median value of transaction accounts for families with holdings For all families
Thousands of 2010 dollars
5
4.5
4
3.5
3 1989
1992
1995
1998 2001 Year
2004
2007
Median value of transaction accounts for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 3.5 3.5 3.0 4.0 4.8 4.3 4.2 3.5 0.0 -14.3 33.3 20.0 -10.4 -2.3 -16.7
2010
Mean value of transaction accounts for families with holdings For all families
Thousands of 2010 dollars
32 30 28 26 24 22 20 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of transaction accounts for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 24.3 21.0 20.6 22.4 29.1 31.3 27.7 32.4 -13.6 -1.9 8.7 29.9 7.6 -11.5 17.0
2010
Percent of families with transaction accounts By percentile of income
100
Percent
90 80 70 60 50 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 55.6 1992 62.5 1995 63.2 1998 68.8 2001 71.6 2004 75.5 2007 74.9 2010 76.2
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with transaction accounts Percentile of income 20-39.9 40-59.9 60-79.9 80-89.9
82.6 83.9 85.2 90.3 90.3 87.3 90.1 91.1
Three-year change (percentage points) 1992 6.9 1.3 1995 0.7 1.3 1998 5.6 5.1 2001 2.8 0.0 2004 3.9 -3.0 2007 -0.6 2.8 2010 1.3 1.0
2010
90-100
93.0 91.7 92.0 95.4 96.6 95.9 96.3 96.4
97.8 97.6 97.3 98.9 99.1 98.4 99.3 98.9
98.2 98.8 98.7 99.6 99.7 99.1 100.0 99.8
99.4 98.7 99.8 100.0 99.2 100.0 100.0 99.9
-1.3 0.3 3.4 1.2 -0.7 0.4 0.1
-0.2 -0.3 1.6 0.2 -0.7 0.9 -0.4
0.6 -0.1 0.9 0.1 -0.6 0.9 -0.2
-0.7 1.1 0.2 -0.8 0.8 0.0 -0.1
Median value of transaction accounts for families with holdings By percentile of income
Thousands of 2010 dollars
40
30
20
10
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of transaction accounts for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 0.8 1.7 1992 0.8 1.7 1995 1.0 1.8 1998 0.9 2.0 2001 1.1 2.2 2004 0.7 1.7 2007 0.8 1.7 2010 0.7 1.5 Three-year change (percent) 1992 0.0 0.0 1995 25.0 5.9 1998 -10.0 11.1 2001 22.2 10.0 2004 -36.4 -22.7 2007 14.3 0.0 2010 -12.5 -11.8
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
3.0 3.0 2.3 3.0 3.4 3.5 2.9 2.8
4.2 4.2 3.5 5.7 6.4 7.5 6.3 5.3
7.6 7.3 6.1 10.0 11.6 12.7 13.5 11.1
24.6 23.5 18.8 24.0 31.9 32.2 38.4 35.0
0.0 -23.3 30.4 13.3 2.9 -17.1 -3.4
0.0 -16.7 62.9 12.3 17.2 -16.0 -15.9
-3.9 -16.4 63.9 16.0 9.5 6.3 -17.8
-4.5 -20.0 27.7 32.9 0.9 19.3 -8.9
Mean value of transaction accounts for families with holdings
Thousands of 2010 dollars
By percentile of income
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of transaction accounts for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 5.9 13.4 1992 4.6 8.1 1995 5.9 7.7 1998 5.4 11.6 2001 6.2 10.3 2004 6.1 10.8 2007 5.7 8.7 2010 7.6 9.7 Three-year change (percent) 1992 -22.0 -39.6 1995 28.3 -4.9 1998 -8.5 50.6 2001 14.8 -11.2 2004 -1.6 4.9 2007 -6.6 -19.4 2010 33.3 11.5
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
13.2 14.0 11.6 11.6 15.1 14.8 10.9 13.7
17.6 14.1 14.3 16.3 21.4 32.3 19.7 19.0
23.1 24.8 20.4 25.4 31.4 32.2 31.2 44.1
97.8 86.0 90.1 95.4 136.4 133.5 139.2 162.9
6.1 -17.1 0.0 30.2 -2.0 -26.4 25.7
-19.9 1.4 14.0 31.3 50.9 -39.0 -3.6
7.4 -17.7 24.5 23.6 2.5 -3.1 41.3
-12.1 4.8 5.9 43.0 -2.1 4.3 17.0
Percent of families with transaction accounts By age of head
100
Percent
95
90
85
80 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 80.1 1992 81.3 1995 80.9 1998 84.7 2001 87.1 2004 86.4 2007 87.3 2010 89.0
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with transaction accounts Age of head 35-44 45-54 55-64 65-74
86.1 86.8 87.6 90.5 91.1 90.8 91.2 90.6
Three-year change (percentage points) 1992 1.2 0.7 1995 -0.4 0.8 1998 3.8 2.9 2001 2.4 0.6 2004 -0.7 -0.3 2007 0.9 0.4 2010 1.7 -0.6
2010
75 or older
87.9 88.9 89.2 94.1 92.7 91.8 91.7 92.5
85.6 90.2 88.8 93.9 93.8 93.2 96.4 94.2
90.4 88.9 91.7 94.1 93.8 93.9 94.6 95.8
90.3 91.8 93.2 90.0 93.7 96.4 95.3 96.4
1.0 0.3 4.9 -1.4 -0.9 -0.1 0.8
4.6 -1.4 5.1 -0.1 -0.6 3.2 -2.2
-1.5 2.8 2.4 -0.3 0.1 0.7 1.2
1.5 1.4 -3.2 3.7 2.7 -1.1 1.1
Median value of transaction accounts for families with holdings By age of head
Thousands of 2010 dollars
10
8
6
4
2 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of transaction accounts for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 1.8 3.7 1992 2.0 3.1 1995 1.7 2.8 1998 2.0 3.8 2001 2.1 4.2 2004 2.1 3.5 2007 2.5 3.6 2010 2.0 2.5 Three-year change (percent) 1992 11.1 -16.2 1995 -15.0 -9.7 1998 17.6 35.7 2001 5.0 10.5 2004 0.0 -16.7 2007 19.0 2.9 2010 -20.0 -30.6
Age of head 45-54 55-64
65-74
75 or older
4.5 4.5 4.2 5.9 5.6 5.5 5.2 3.5
5.6 4.5 4.4 5.4 6.7 7.7 5.4 5.0
5.9 5.8 4.6 7.5 9.8 6.3 8.1 5.7
8.4 6.1 7.1 8.0 8.9 7.4 6.4 7.2
0.0 -6.7 40.5 -5.1 -1.8 -5.5 -32.7
-19.6 -2.2 22.7 24.1 14.9 -29.9 -7.4
-1.7 -20.7 63.0 30.7 -35.7 28.6 -29.6
-27.4 16.4 12.7 11.2 -16.9 -13.5 12.5
Mean value of transaction accounts for families with holdings By age of head
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of transaction accounts for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 6.7 13.5 1992 7.9 13.8 1995 5.1 11.4 1998 8.4 14.8 2001 8.0 19.5 2004 8.9 24.1 2007 8.3 17.5 2010 8.6 19.6 Three-year change (percent) 1992 17.9 2.2 1995 -35.4 -17.4 1998 64.7 29.8 2001 -4.8 31.8 2004 11.2 23.6 2007 -6.7 -27.4 2010 3.6 12.0
Age of head 45-54 55-64
65-74
75 or older
29.2 22.7 25.4 26.6 32.7 31.2 34.8 37.0
38.6 31.5 33.0 35.2 45.0 49.6 39.9 52.5
38.3 30.9 34.6 35.1 51.5 41.1 43.3 49.8
49.1 38.7 34.1 30.7 41.0 51.4 33.4 36.6
-22.3 11.9 4.7 22.9 -4.6 11.5 6.3
-18.4 4.8 6.7 27.8 10.2 -19.6 31.6
-19.3 12.0 1.4 46.7 -20.2 5.4 15.0
-21.2 -11.9 -10.0 33.6 25.4 -35.0 9.6
Percent of families with transaction accounts By family structure
95
Percent
90 85 80 75 70 65 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with transaction accounts Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 66.2 78.0 82.3 89.9 1992 67.7 82.7 86.8 90.8 1995 71.4 82.8 88.9 90.2 1998 78.6 87.6 90.3 92.8 2001 78.0 89.5 91.0 93.5 2004 82.2 88.4 92.0 93.3 2007 81.1 87.4 94.6 94.3 2010 84.9 88.3 92.8 94.3 Three-year change (percentage points) 1992 1.5 4.7 1995 3.7 0.1 1998 7.2 4.8 2001 -0.6 1.9 2004 4.2 -1.1 2007 -1.1 -1.0 2010 3.8 0.9
2010
4.5 2.1 1.4 0.7 1.0 2.6 -1.8
0.9 -0.6 2.6 0.7 -0.2 1.0 0.0
Couple, no child
95.6 93.4 93.3 95.3 95.6 94.5 95.7 95.9 -2.2 -0.1 2.0 0.3 -1.1 1.2 0.2
Median value of transaction accounts for families with holdings By family structure
Thousands of 2010 dollars
10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of transaction accounts for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 1.7 2.2 1992 1.0 2.1 1995 1.4 2.0 1998 1.3 2.0 2001 1.5 2.5 2004 1.2 2.2 2007 1.7 2.6 2010 1.0 2.0 Three-year change (percent) 1992 -41.2 1995 40.0 1998 -7.1 2001 15.4 2004 -20.0 2007 41.7 2010 -41.2
-4.5 -4.8 0.0 25.0 -12.0 18.2 -23.1
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
4.7 4.1 3.3 5.1 4.4 3.6 2.9 3.9
3.4 3.6 3.2 4.7 4.9 5.2 4.8 3.8
7.9 6.4 5.0 7.8 8.7 9.2 7.9 7.1
-12.8 -19.5 54.5 -13.7 -18.2 -19.4 34.5
5.9 -11.1 46.9 4.3 6.1 -7.7 -20.8
-19.0 -21.9 56.0 11.5 5.7 -14.1 -10.1
Mean value of transaction accounts for families with holdings By family structure
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of transaction accounts for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 20.0 7.7 1992 10.9 12.0 1995 9.7 8.1 1998 7.0 12.1 2001 10.0 11.9 2004 10.4 18.9 2007 9.7 12.7 2010 12.4 11.8 Three-year change (percent) 1992 -45.5 1995 -11.0 1998 -27.8 2001 42.9 2004 4.0 2007 -6.7 2010 27.8
55.8 -32.5 49.4 -1.7 58.8 -32.8 -7.1
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
22.1 23.6 25.1 26.4 24.1 33.4 23.4 24.4
17.3 17.4 18.2 20.4 28.6 29.5 31.7 38.1
47.4 32.7 31.4 34.5 46.0 47.3 39.3 48.9
6.8 6.4 5.2 -8.7 38.6 -29.9 4.3
0.6 4.6 12.1 40.2 3.1 7.5 20.2
-31.0 -4.0 9.9 33.3 2.8 -16.9 24.4
Percent of families with transaction accounts By education of head
100
Percent
90
80
70 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
3.6 -0.2 4.8 -0.3 -1.0 1.8 -0.9
2010
High school diploma College degree
Percent of families with transaction accounts Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 71.0 82.2 91.3 1992 67.6 85.8 91.7 1995 70.0 85.6 90.2 1998 69.7 90.4 95.3 2001 74.1 90.1 95.7 2004 72.4 89.1 94.3 2007 75.7 90.9 93.9 2010 77.5 90.0 94.6 Three-year change (percentage points) 1992 -3.4 1995 2.4 1998 -0.3 2001 4.4 2004 -1.7 2007 3.3 2010 1.8
2007
0.4 -1.5 5.1 0.4 -1.4 -0.4 0.7
College degree
98.8 97.6 98.1 98.7 98.6 99.1 98.7 98.4 -1.2 0.5 0.6 -0.1 0.5 -0.4 -0.3
Median value of transaction accounts for families with holdings By education of head
Thousands of 2010 dollars
10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of transaction accounts for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 1.9 1992 1.5 1995 1.7 1998 1.6 2001 1.8 2004 1.3 2007 1.3 2010 0.8 Three-year change (percent) 1992 -21.1 1995 13.3 1998 -5.9 2001 12.5 2004 -27.8 2007 0.0 2010 -38.5
Education of head High school Some college diploma
College degree
3.0 2.7 2.3 2.7 3.1 2.9 2.6 2.0
3.2 3.5 2.7 4.0 3.7 3.0 2.9 2.5
7.4 6.5 5.7 8.0 9.2 10.6 10.5 9.3
-10.0 -14.8 17.4 14.8 -6.5 -10.3 -23.1
9.4 -22.9 48.1 -7.5 -18.9 -3.3 -13.8
-12.2 -12.3 40.4 15.0 15.2 -0.9 -11.4
Mean value of transaction accounts for families with holdings By education of head
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of transaction accounts for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 11.3 1992 11.0 1995 8.4 1998 10.6 2001 10.7 2004 19.4 2007 9.5 2010 5.9 Three-year change (percent) 1992 -2.7 1995 -23.6 1998 26.2 2001 0.9 2004 81.3 2007 -51.0 2010 -37.9
Education of head High school Some college diploma
College degree
16.2 13.7 13.1 11.8 14.4 15.9 12.4 13.2
23.8 18.6 17.6 18.7 24.6 22.0 17.0 18.0
40.3 32.6 34.3 38.0 50.5 50.6 51.4 61.1
-15.4 -4.4 -9.9 22.0 10.4 -22.0 6.5
-21.8 -5.4 6.2 31.6 -10.6 -22.7 5.9
-19.1 5.2 10.8 32.9 0.2 1.6 18.9
Percent of families with transaction accounts By race or ethnicity of respondent
95
Percent
90 85 80 75 70 65 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with transaction accounts Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 92.6 93.2 92.8 95.0 95.3 95.5 95.5 96.5
Three-year change (percentage points) 1992 0.6 1995 -0.4 1998 2.2 2001 0.3 2004 0.2 2007 0.0 2010 1.0
64.7 67.9 68.7 76.2 79.4 80.6 83.9 84.3 3.2 0.8 7.5 3.2 1.2 3.3 0.4
Median value of transaction accounts for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
6 5 4 3 2 1 1989
1992
1995
1998
2001
2004
2007
2010
Year White, non−Hispanic
Nonwhite or Hispanic
Median value of transaction accounts for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 4.6 1.9 1992 4.4 1.5 1995 3.5 1.9 1998 4.9 2.0 2001 5.9 2.0 2004 5.8 1.7 2007 5.3 2.1 2010 5.0 1.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-4.3 -20.5 40.0 20.4 -1.7 -8.6 -5.7
-21.1 26.7 5.3 0.0 -15.0 23.5 -23.8
Mean value of transaction accounts for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
40 35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of transaction accounts for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 27.6 10.2 1992 24.0 8.0 1995 22.8 10.1 1998 25.0 11.8 2001 34.2 10.2 2004 38.1 10.1 2007 33.5 11.6 2010 40.6 13.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-13.0 -5.0 9.6 36.8 11.4 -12.1 21.2
-21.6 26.2 16.8 -13.6 -1.0 14.9 12.1
Percent of families with transaction accounts By current work status of head
100 90
Percent
80 70 60 50 40 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 0.9 1995 0.1 1998 3.0 2001 -0.1 2004 -0.7 2007 0.4 2010 1.0
2010
Self−employed Other not working
Percent of families with transaction accounts Current work status of head Employee Self-employed Retired
89.0 89.9 90.0 93.0 92.9 92.2 92.6 93.6
2007
Other not working
96.1 95.8 91.9 95.4 95.9 94.4 96.9 94.8
84.1 85.6 87.0 87.4 89.0 90.4 91.6 91.7
43.8 59.0 58.2 68.9 71.9 76.2 78.6 82.7
-0.3 -3.9 3.5 0.5 -1.5 2.5 -2.1
1.5 1.4 0.4 1.6 1.4 1.2 0.1
15.2 -0.8 10.7 3.0 4.3 2.4 4.1
Median value of transaction accounts for families with holdings By current work status of head
Thousands of 2010 dollars
12 10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of transaction accounts for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 3.2 1992 3.0 1995 2.8 1998 3.6 2001 3.9 2004 3.6 2007 4.0 2010 3.3
7.4 7.6 6.4 8.4 9.8 11.5 10.4 7.5
5.6 4.5 4.2 6.7 6.1 4.8 4.2 4.5
1.3 1.5 0.8 1.3 2.2 2.3 1.0 1.0
Three-year change (percent) 1992 -6.2 1995 -6.7 1998 28.6 2001 8.3 2004 -7.7 2007 11.1 2010 -17.5
2.7 -15.8 31.2 16.7 17.3 -9.6 -27.9
-19.6 -6.7 59.5 -9.0 -21.3 -12.5 7.1
15.4 -46.7 62.5 69.2 4.5 -56.5 0.0
Mean value of transaction accounts for families with holdings By current work status of head
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of transaction accounts for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 12.3 1992 13.8 1995 12.5 1998 14.9 2001 19.0 2004 19.4 2007 20.6 2010 25.0
57.6 44.4 56.5 47.5 61.3 65.2 70.0 75.0
38.6 27.7 26.4 31.9 41.3 46.5 28.9 35.0
5.2 11.8 8.4 6.5 15.6 16.6 9.6 10.9
Three-year change (percent) 1992 12.2 1995 -9.4 1998 19.2 2001 27.5 2004 2.1 2007 6.2 2010 21.4
-22.9 27.3 -15.9 29.1 6.4 7.4 7.1
-28.2 -4.7 20.8 29.5 12.6 -37.8 21.1
126.9 -28.8 -22.6 140.0 6.4 -42.2 13.5
Percent of families with transaction accounts By current occupation of head
100
Percent
95 90 85 80 75 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2.3 -1.3 4.7 -1.8 -0.9 1.8 -0.2
2010
Technical, sales, or services Retired or other not working
Percent of families with transaction accounts Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 98.8 87.1 85.2 1992 98.3 89.4 84.4 1995 97.2 88.1 86.9 1998 98.3 92.8 89.1 2001 98.9 91.0 89.2 2004 98.5 90.1 87.2 2007 98.3 91.9 87.9 2010 98.2 91.7 89.6 Three-year change (percentage points) 1992 -0.5 1995 -1.1 1998 1.1 2001 0.6 2004 -0.4 2007 -0.2 2010 -0.1
2007
-0.8 2.5 2.2 0.1 -2.0 0.7 1.7
Retired or other not working 75.7 79.3 81.1 84.2 86.2 88.2 89.5 89.7 3.6 1.8 3.1 2.0 2.0 1.3 0.2
Median value of transaction accounts for families with holdings By current occupation of head
Thousands of 2010 dollars
10
8
6
4
2 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of transaction accounts for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 7.6 2.6 2.1 1992 6.2 2.7 2.4 1995 5.7 2.8 2.1 1998 7.7 2.8 2.7 2001 8.6 3.4 2.8 2004 9.3 2.7 2.9 2007 9.2 3.1 2.6 2010 8.5 2.0 2.2 Year
Three-year change (percent) 1992 -18.4 1995 -8.1 1998 35.1 2001 11.7 2004 8.1 2007 -1.1 2010 -7.6
3.8 3.7 0.0 21.4 -20.6 14.8 -35.5
14.3 -12.5 28.6 3.7 3.6 -10.3 -15.4
Retired or other not working 4.0 3.9 3.0 4.8 5.5 4.1 3.5 3.0 -2.5 -23.1 60.0 14.6 -25.5 -14.6 -14.3
Mean value of transaction accounts for families with holdings By current occupation of head
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of transaction accounts for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 32.7 18.4 9.1 1992 31.7 14.8 8.6 1995 38.2 13.7 7.7 1998 34.1 15.7 9.2 2001 45.7 15.3 10.7 2004 47.2 15.3 9.7 2007 50.4 16.2 9.0 2010 59.9 18.0 8.9 Year
Three-year change (percent) 1992 -3.1 1995 20.5 1998 -10.7 2001 34.0 2004 3.3 2007 6.8 2010 18.8
-19.6 -7.4 14.6 -2.5 0.0 5.9 11.1
-5.5 -10.5 19.5 16.3 -9.3 -7.2 -1.1
Retired or other not working 34.6 24.9 23.8 28.6 37.8 42.5 26.3 30.2 -28.0 -4.4 20.2 32.2 12.4 -38.1 14.8
Percent of families with transaction accounts By region
95
Percent
90
85
80 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
Three-year change (percentage points) 1992 -1.9 1995 2.6 1998 4.0 2001 -0.2 2004 1.6 2007 -3.3 2010 -0.1
2010
South
Percent of families with transaction accounts Region Northeast Midwest South 88.5 86.6 89.2 93.2 93.0 94.6 91.3 91.2
2007
West
86.7 91.5 89.4 91.7 94.6 94.4 93.6 94.2
79.1 83.8 83.9 87.9 89.0 86.9 91.3 91.1
92.0 86.9 89.3 91.7 90.6 92.6 92.7 94.2
4.8 -2.1 2.3 2.9 -0.2 -0.8 0.6
4.7 0.1 4.0 1.1 -2.1 4.4 -0.2
-5.1 2.4 2.4 -1.1 2.0 0.1 1.5
Median value of transaction accounts for families with holdings By region
Thousands of 2010 dollars
7 6 5 4 3 2 1989
1992
1995
1998
2001
2004
2007
2010
Year Northeast West
Midwest
South
Median value of transaction accounts for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 5.1 1992 3.9 1995 4.0 1998 5.0 2001 6.7 2004 6.9 2007 5.3 2010 4.5 Three-year change (percent) 1992 -23.5 1995 2.6 1998 25.0 2001 34.0 2004 3.0 2007 -23.2 2010 -15.1
Midwest
South
West
3.5 3.5 2.8 4.0 4.9 4.7 3.9 3.4
3.0 3.0 2.5 3.7 4.0 3.5 3.7 3.0
3.7 4.5 3.5 4.7 4.5 3.9 4.5 4.0
0.0 -20.0 42.9 22.5 -4.1 -17.0 -12.8
0.0 -16.7 48.0 8.1 -12.5 5.7 -18.9
21.6 -22.2 34.3 -4.3 -13.3 15.4 -11.1
Mean value of transaction accounts for families with holdings By region
Thousands of 2010 dollars
45 40 35 30 25 20 15 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of transaction accounts for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 35.3 1992 20.7 1995 23.2 1998 25.2 2001 32.8 2004 34.2 2007 35.8 2010 44.2 Three-year change (percent) 1992 -41.4 1995 12.1 1998 8.6 2001 30.2 2004 4.3 2007 4.7 2010 23.5
Midwest
South
West
25.4 16.9 17.5 18.7 26.5 28.7 25.3 21.1
15.4 19.1 18.5 21.3 25.7 30.0 23.6 28.0
25.0 29.1 24.7 25.9 34.0 33.5 30.1 41.6
-33.5 3.6 6.9 41.7 8.3 -11.8 -16.6
24.0 -3.1 15.1 20.7 16.7 -21.3 18.6
16.4 -15.1 4.9 31.3 -1.5 -10.1 38.2
Percent of families with transaction accounts By urbanicity
94
Percent
92 90 88 86 84 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with transaction accounts Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 85.1 87.5 87.7 90.3 91.4 91.6 92.8 92.8
Three-year change (percentage points) 1992 2.4 1995 0.2 1998 2.6 2001 1.1 2004 0.2 2007 1.2 2010 0.0
2010
87.6 84.3 85.6 92.5 91.9 90.0 88.7 91.2 -3.3 1.3 6.9 -0.6 -1.9 -1.3 2.5
Median value of transaction accounts for families with holdings By urbanicity
Thousands of 2010 dollars
5 4.5 4 3.5 3 2.5 2 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of transaction accounts for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 3.9 1992 3.7 1995 3.3 1998 4.4 2001 4.9 2004 4.8 2007 4.7 2010 3.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-5.1 -10.8 33.3 11.4 -2.0 -2.1 -17.0
2010
Non-MSA
2.5 2.5 2.1 3.6 3.5 2.5 2.6 2.5 0.0 -16.0 71.4 -2.8 -28.6 4.0 -3.8
Mean value of transaction accounts for families with holdings By urbanicity
Thousands of 2010 dollars
35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of transaction accounts for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 25.6 1992 22.8 1995 22.2 1998 24.5 2001 31.9 2004 34.6 2007 30.5 2010 36.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-10.9 -2.6 10.4 30.2 8.5 -11.8 20.3
2010
Non-MSA
18.8 12.4 10.9 11.0 11.7 14.6 13.2 11.6 -34.0 -12.1 0.9 6.4 24.8 -9.6 -12.1
Percent of families with transaction accounts By housing status
100 95
Percent
90 85 80 75 70 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with transaction accounts Housing status Owner Renter or other 94.6 94.0 95.3 96.4 96.7 96.0 97.3 97.4
Three-year change (percentage points) 1992 -0.6 1995 1.3 1998 1.1 2001 0.3 2004 -0.7 2007 1.3 2010 0.1
69.5 74.3 72.9 79.4 80.3 80.9 80.8 82.4 4.8 -1.4 6.5 0.9 0.6 -0.1 1.6
2010
Median value of transaction accounts for families with holdings By housing status
Thousands of 2010 dollars
7 6 5 4 3 2 1 1989
1992
1995
1998
2001
2004
2007
2010
Year Owner
Renter or other
Median value of transaction accounts for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 5.3 1992 5.2 1995 4.2 1998 6.5 2001 7.1 2004 6.9 2007 6.5 2010 5.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-1.9 -19.2 54.8 9.2 -2.8 -5.8 -10.8
Renter or other 1.7 1.5 1.6 1.5 1.5 1.3 1.3 1.0 -11.8 6.7 -6.2 0.0 -13.3 0.0 -23.1
Mean value of transaction accounts for families with holdings By housing status
Thousands of 2010 dollars
40 35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of transaction accounts for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 29.2 1992 26.4 1995 24.2 1998 28.1 2001 37.0 2004 39.3 2007 34.3 2010 41.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-9.6 -8.3 16.1 31.7 6.2 -12.7 21.6
Renter or other 12.3 8.8 11.9 8.9 9.0 9.9 10.1 9.8 -28.5 35.2 -25.2 1.1 10.0 2.0 -3.0
2010
Percent of families with transaction accounts By percentile of net worth
100
Percent
90 80 70 60 50 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
-1.5 0.5 2.4 -0.4 -0.2 0.6 -0.6
2010
50−74.9
Percent of families with transaction accounts Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 56.6 89.3 97.2 98.4 1992 65.0 87.5 95.7 99.3 1995 64.5 89.8 96.2 98.7 1998 72.4 91.7 98.6 99.8 2001 73.7 94.4 98.2 99.4 2004 75.4 92.0 98.0 99.7 2007 76.3 93.6 98.6 100.0 2010 78.5 94.2 98.0 99.0 Three-year change (percentage points) 1992 8.4 -1.8 1995 -0.5 2.3 1998 7.9 1.9 2001 1.3 2.7 2004 1.7 -2.4 2007 0.9 1.6 2010 2.2 0.6
2007
0.9 -0.6 1.1 -0.4 0.3 0.3 -1.0
90-100 100.0 99.7 99.7 100.0 99.6 100.0 100.0 99.9 -0.3 0.0 0.3 -0.4 0.4 0.0 -0.1
Median value of transaction accounts for families with holdings By percentile of net worth
Thousands of 2010 dollars
60 50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of transaction accounts for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 0.8 2.5 1992 0.6 2.1 1995 0.8 2.0 1998 0.8 2.3 2001 0.8 2.7 2004 0.6 2.3 2007 0.7 2.1 2010 0.6 1.7 Three-year change (percent) 1992 -25.0 1995 33.3 1998 0.0 2001 0.0 2004 -25.0 2007 16.7 2010 -14.3
-16.0 -4.8 15.0 17.4 -14.8 -8.7 -19.0
Percentile of net worth 50-74.9
75-89.9
90-100
4.6 4.5 3.5 6.4 6.7 6.7 6.3 5.2
10.3 9.6 9.3 14.0 16.8 18.2 16.2 14.5
38.0 35.3 27.6 30.7 45.4 48.9 48.7 60.8
-2.2 -22.2 82.9 4.7 0.0 -6.0 -17.5
-6.8 -3.1 50.5 20.0 8.3 -11.0 -10.5
-7.1 -21.8 11.2 47.9 7.7 -0.4 24.8
Mean value of transaction accounts for families with holdings By percentile of net worth
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of transaction accounts for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.3 4.8 1992 1.3 4.5 1995 1.6 4.3 1998 1.8 4.7 2001 1.7 5.6 2004 1.5 5.5 2007 1.9 5.5 2010 1.9 4.2 Three-year change (percent) 1992 0.0 1995 23.1 1998 12.5 2001 -5.6 2004 -11.8 2007 26.7 2010 0.0
-6.2 -4.4 9.3 19.1 -1.8 0.0 -23.6
Percentile of net worth 50-74.9
75-89.9
90-100
10.6 11.2 9.1 12.4 15.3 15.3 13.8 12.1
27.1 24.6 21.9 30.8 34.8 39.1 33.4 33.1
129.2 107.1 113.5 112.9 160.4 173.9 154.2 207.8
5.7 -18.8 36.3 23.4 0.0 -9.8 -12.3
-9.2 -11.0 40.6 13.0 12.4 -14.6 -0.9
-17.1 6.0 -0.5 42.1 8.4 -11.3 34.8
Percent of families with certificates of deposit For all families
20
Percent
18
16
14
12 1989
1992
1995
1998 2001 Year
2004
Percent of families with certificates of deposit Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 19.9 16.7 14.3 15.3 15.7 12.7 16.1 12.2 -3.2 -2.4 1.0 0.4 -3.0 3.4 -3.9
2007
2010
Median value of certificates of deposit for families with holdings For all families
Thousands of 2010 dollars
22
20
18
16
14 1989
1992
1995
1998 2001 Year
2004
2007
Median value of certificates of deposit for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 20.2 16.7 14.2 20.0 18.4 17.3 21.0 20.0 -17.3 -15.0 40.8 -8.0 -6.0 21.4 -4.8
2010
Mean value of certificates of deposit for families with holdings For all families
Thousands of 2010 dollars
75 70 65 60 55 50 45 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of certificates of deposit for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 55.8 50.1 50.8 50.2 45.9 63.1 58.3 72.6 -10.2 1.4 -1.2 -8.6 37.5 -7.6 24.5
2010
Percent of families with certificates of deposit By percentile of income
35 30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Percent of families with certificates of deposit Year
Less than 20 Level (percent) 1989 7.7 1992 10.8 1995 8.9 1998 12.1 2001 10.0 2004 5.0 2007 9.4 2010 5.7
20-39.9
21.1 16.4 16.3 15.6 14.7 12.7 12.7 11.1
Three-year change (percentage points) 1992 3.1 -4.7 1995 -1.9 -0.1 1998 3.2 -0.7 2001 -2.1 -0.9 2004 -5.0 -2.0 2007 4.4 0.0 2010 -3.7 -1.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
22.0 17.1 13.6 15.4 17.4 11.8 15.5 11.7
20.2 18.2 14.7 15.2 16.0 15.0 19.3 15.8
22.8 20.9 17.0 17.9 18.3 16.3 19.9 12.1
33.5 21.1 19.3 18.5 22.0 21.5 27.7 21.5
-4.9 -3.5 1.8 2.0 -5.6 3.7 -3.8
-2.0 -3.5 0.5 0.8 -1.0 4.3 -3.5
-1.9 -3.9 0.9 0.4 -2.0 3.6 -7.8
-12.4 -1.8 -0.8 3.5 -0.5 6.2 -6.2
Median value of certificates of deposit for families with holdings By percentile of income
Thousands of 2010 dollars
50
40
30
20
10 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of certificates of deposit for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 21.9 16.9 1992 9.9 22.7 1995 8.5 14.2 1998 13.3 26.7 2001 12.3 17.2 2004 11.5 16.1 2007 18.9 18.9 2010 15.0 15.0 Three-year change (percent) 1992 -54.8 34.3 1995 -14.1 -37.4 1998 56.5 88.0 2001 -7.5 -35.6 2004 -6.5 -6.4 2007 64.3 17.4 2010 -20.6 -20.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
18.6 27.3 14.2 18.7 15.9 11.5 17.8 18.0
16.9 9.9 14.2 19.3 18.4 20.7 11.5 16.0
15.2 15.2 24.1 21.3 15.9 23.0 21.0 29.0
35.8 22.7 25.5 26.7 30.6 38.0 44.0 34.0
46.8 -48.0 31.7 -15.0 -27.7 54.8 1.1
-41.4 43.4 35.9 -4.7 12.5 -44.4 39.1
0.0 58.6 -11.6 -25.4 44.7 -8.7 38.1
-36.6 12.3 4.7 14.6 24.2 15.8 -22.7
Mean value of certificates of deposit for families with holdings By percentile of income
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of certificates of deposit for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 33.6 39.1 1992 25.5 39.4 1995 22.9 39.2 1998 33.9 43.9 2001 27.7 35.9 2004 65.8 75.3 2007 34.2 44.4 2010 37.9 54.2 Three-year change (percent) 1992 -24.1 0.8 1995 -10.2 -0.5 1998 48.0 12.0 2001 -18.3 -18.2 2004 137.5 109.7 2007 -48.0 -41.0 2010 10.8 22.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
47.2 57.2 39.7 39.6 34.2 30.9 44.0 48.2
49.6 45.3 46.9 45.6 42.0 47.9 45.2 42.1
37.8 47.4 52.4 55.9 45.6 48.1 43.2 78.0
118.2 91.1 115.9 101.8 99.8 115.2 132.4 178.5
21.2 -30.6 -0.3 -13.6 -9.6 42.4 9.5
-8.7 3.5 -2.8 -7.9 14.0 -5.6 -6.9
25.4 10.5 6.7 -18.4 5.5 -10.2 80.6
-22.9 27.2 -12.2 -2.0 15.4 14.9 34.8
Percent of families with certificates of deposit By age of head
40
Percent
30
20
10
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Percent of families with certificates of deposit Year
Less than 35 Level (percent) 1989 8.6 1992 7.4 1995 7.2 1998 6.2 2001 6.3 2004 5.6 2007 6.7 2010 5.7
35-44
16.6 9.0 8.1 9.4 9.8 6.7 9.0 5.7
Three-year change (percentage points) 1992 -1.2 -7.6 1995 -0.2 -0.9 1998 -1.0 1.3 2001 0.1 0.4 2004 -0.7 -3.1 2007 1.1 2.3 2010 -1.0 -3.3
Age of head 45-54 55-64
65-74
75 or older
20.1 15.9 12.5 11.8 15.2 11.9 14.3 10.0
22.4 20.5 17.1 18.6 14.4 18.1 20.5 14.6
32.0 31.1 24.0 29.9 29.7 19.9 24.2 20.6
41.7 37.7 34.7 35.9 36.5 25.7 37.0 27.2
-4.2 -3.4 -0.7 3.4 -3.3 2.4 -4.3
-1.9 -3.4 1.5 -4.2 3.7 2.4 -5.9
-0.9 -7.1 5.9 -0.2 -9.8 4.3 -3.6
-4.0 -3.0 1.2 0.6 -10.8 11.3 -9.8
Median value of certificates of deposit for families with holdings By age of head
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of certificates of deposit for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 6.7 11.8 1992 6.8 7.6 1995 7.5 7.5 1998 3.3 10.7 2001 4.9 7.4 2004 4.6 11.5 2007 5.2 5.2 2010 5.2 7.0 Three-year change (percent) 1992 1.5 -35.6 1995 10.3 -1.3 1998 -56.0 42.7 2001 48.5 -30.8 2004 -6.1 55.4 2007 13.0 -54.8 2010 0.0 34.6
Age of head 45-54 55-64
65-74
75 or older
15.2 12.1 17.0 15.3 14.7 12.7 15.7 16.0
25.3 22.7 19.8 22.7 23.3 33.4 24.1 20.0
33.7 30.3 28.3 26.7 24.5 23.0 24.4 25.0
48.9 35.6 18.4 40.0 30.6 25.3 31.4 32.2
-20.4 40.5 -10.0 -3.9 -13.6 23.6 1.9
-10.3 -12.8 14.6 2.6 43.3 -27.8 -17.0
-10.1 -6.6 -5.7 -8.2 -6.1 6.1 2.5
-27.2 -48.3 117.4 -23.5 -17.3 24.1 2.5
Mean value of certificates of deposit for families with holdings By age of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of certificates of deposit for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 14.3 23.9 1992 19.2 23.4 1995 15.8 25.6 1998 14.9 22.1 2001 25.7 16.2 2004 16.1 28.1 2007 17.6 36.5 2010 19.8 28.9 Three-year change (percent) 1992 34.3 -2.1 1995 -17.7 9.4 1998 -5.7 -13.7 2001 72.5 -26.7 2004 -37.4 73.5 2007 9.3 29.9 2010 12.5 -20.8
Age of head 45-54 55-64
65-74
75 or older
37.6 30.9 57.5 49.5 36.1 51.2 61.0 73.5
81.1 47.4 60.1 67.8 53.8 64.5 71.9 94.4
81.4 64.9 74.3 57.3 56.7 81.7 55.9 93.2
79.8 81.5 52.7 63.1 65.6 97.0 70.6 73.6
-17.8 86.1 -13.9 -27.1 41.8 19.1 20.5
-41.6 26.8 12.8 -20.6 19.9 11.5 31.3
-20.3 14.5 -22.9 -1.0 44.1 -31.6 66.7
2.1 -35.3 19.7 4.0 47.9 -27.2 4.2
Percent of families with certificates of deposit By family structure
35
Percent
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with certificates of deposit Year
Single with child(ren)
Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
8.7 6.7 8.4 9.6 6.9 7.0 9.0 6.7
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
10.7 8.2 7.9 7.4 9.6 6.6 9.9 6.0
26.1 29.1 23.3 29.8 24.6 18.9 24.0 20.1
16.3 13.7 9.3 10.1 12.5 11.2 12.5 10.4
33.4 23.3 22.2 21.7 21.6 17.3 22.5 15.8
3.0 -5.8 6.5 -5.2 -5.7 5.1 -3.9
-2.6 -4.4 0.8 2.4 -1.3 1.3 -2.1
-10.1 -1.1 -0.5 -0.1 -4.3 5.2 -6.7
Three-year change (percentage points) 1992 -2.0 -2.5 1995 1.7 -0.3 1998 1.2 -0.5 2001 -2.7 2.2 2004 0.1 -3.0 2007 2.0 3.3 2010 -2.3 -3.9
Median value of certificates of deposit for families with holdings
Thousands of 2010 dollars
By family structure
35 30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of certificates of deposit for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 16.9 8.4 1992 15.2 9.9 1995 7.1 7.5 1998 10.7 7.3 2001 12.3 9.2 2004 11.5 12.0 2007 7.9 6.3 2010 6.0 6.7 Three-year change (percent) 1992 -10.1 1995 -53.3 1998 50.7 2001 15.0 2004 -6.5 2007 -31.3 2010 -24.1
17.9 -24.2 -2.7 26.0 30.4 -47.5 6.3
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
37.1 22.7 22.7 26.7 21.4 23.0 29.3 20.0
16.9 8.3 11.3 13.3 12.3 11.5 10.5 14.0
27.0 33.4 18.4 26.7 24.5 28.8 27.2 30.0
-38.8 0.0 17.6 -19.9 7.5 27.4 -31.7
-50.9 36.1 17.7 -7.5 -6.5 -8.7 33.3
23.7 -44.9 45.1 -8.2 17.6 -5.6 10.3
Mean value of certificates of deposit for families with holdings By family structure
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of certificates of deposit for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 26.6 16.2 1992 41.2 24.6 1995 20.4 20.3 1998 24.2 24.3 2001 37.6 22.8 2004 39.8 41.7 2007 31.0 27.2 2010 38.6 32.5 Three-year change (percent) 1992 54.9 1995 -50.5 1998 18.6 2001 55.4 2004 5.9 2007 -22.1 2010 24.5
51.9 -17.5 19.7 -6.2 82.9 -34.8 19.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
71.6 53.3 60.8 47.5 51.5 90.3 52.5 56.7
35.3 26.4 38.8 44.5 32.8 36.7 56.4 55.3
76.7 73.2 63.0 66.1 57.3 76.3 74.9 112.8
-25.6 14.1 -21.9 8.4 75.3 -41.9 8.0
-25.2 47.0 14.7 -26.3 11.9 53.7 -2.0
-4.6 -13.9 4.9 -13.3 33.2 -1.8 50.6
Percent of families with certificates of deposit By education of head
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with certificates of deposit Year
No high school diploma Level (percent) 1989 16.7 1992 14.7 1995 12.7 1998 11.1 2001 11.3 2004 5.6 2007 9.5 2010 6.0
Education of head High school Some college diploma
Three-year change (percentage points) 1992 -2.0 1995 -2.0 1998 -1.6 2001 0.2 2004 -5.7 2007 3.9 2010 -3.5
College degree
17.4 16.8 12.2 16.0 15.1 12.9 14.1 10.8
20.4 16.2 13.0 14.0 14.9 9.4 14.1 11.8
25.2 18.3 18.3 17.4 18.6 17.0 21.6 15.6
-0.6 -4.6 3.8 -0.9 -2.2 1.2 -3.3
-4.2 -3.2 1.0 0.9 -5.5 4.7 -2.3
-6.9 0.0 -0.9 1.2 -1.6 4.6 -6.0
Median value of certificates of deposit for families with holdings By education of head
Thousands of 2010 dollars
40 35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of certificates of deposit for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 33.7 1992 30.3 1995 14.2 1998 26.7 2001 18.4 2004 17.3 2007 14.7 2010 40.0 Three-year change (percent) 1992 -10.1 1995 -53.1 1998 88.0 2001 -31.1 2004 -6.0 2007 -15.0 2010 172.1
Education of head High school Some college diploma
College degree
25.3 18.2 14.2 21.3 19.6 20.1 16.8 20.0
10.5 11.4 14.2 13.3 15.9 11.5 18.9 12.0
16.9 15.2 17.0 18.7 17.2 21.9 26.2 20.0
-28.1 -22.0 50.0 -8.0 2.6 -16.4 19.0
8.6 24.6 -6.3 19.5 -27.7 64.3 -36.5
-10.1 11.8 10.0 -8.0 27.3 19.6 -23.7
Mean value of certificates of deposit for families with holdings By education of head
Thousands of 2010 dollars
100 90 80 70 60 50 40 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of certificates of deposit for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 56.4 1992 58.0 1995 50.3 1998 40.5 2001 43.2 2004 98.3 2007 36.6 2010 74.5 Three-year change (percent) 1992 2.8 1995 -13.3 1998 -19.5 2001 6.7 2004 127.5 2007 -62.8 2010 103.6
Education of head High school Some college diploma
College degree
63.8 44.5 38.5 44.3 48.0 65.4 42.5 51.3
55.7 40.2 48.7 41.6 51.5 52.2 51.4 84.3
49.2 55.6 60.3 62.2 42.6 60.2 73.9 80.8
-30.3 -13.5 15.1 8.4 36.2 -35.0 20.7
-27.8 21.1 -14.6 23.8 1.4 -1.5 64.0
13.0 8.5 3.2 -31.5 41.3 22.8 9.3
Percent of families with certificates of deposit By race or ethnicity of respondent
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with certificates of deposit Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 25.0 19.8 16.7 18.0 18.5 15.3 19.4 15.0
Three-year change (percentage points) 1992 -5.2 1995 -3.1 1998 1.3 2001 0.5 2004 -3.2 2007 4.1 2010 -4.4
4.7 7.2 6.2 6.5 6.8 6.0 8.2 6.5 2.5 -1.0 0.3 0.3 -0.8 2.2 -1.7
Median value of certificates of deposit for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
22 20 18 16 14 12 10 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of certificates of deposit for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 20.2 18.6 1992 16.7 12.1 1995 14.9 14.2 1998 21.3 9.3 2001 18.4 11.0 2004 18.4 13.8 2007 21.0 10.5 2010 20.0 13.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-17.3 -10.8 43.0 -13.6 0.0 14.1 -4.8
-34.9 17.4 -34.5 18.3 25.5 -23.9 23.8
Mean value of certificates of deposit for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
80 70 60 50 40 30 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of certificates of deposit for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 56.9 39.1 1992 52.8 26.9 1995 51.6 43.0 1998 51.4 38.5 2001 47.7 30.3 2004 66.1 43.7 2007 58.8 55.5 2010 77.7 48.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-7.2 -2.3 -0.4 -7.2 38.6 -11.0 32.1
-31.2 59.9 -10.5 -21.3 44.2 27.0 -12.8
Percent of families with certificates of deposit By current work status of head
35 30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with certificates of deposit Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
15.1 11.8 10.4 11.1 11.3 9.8 13.2 9.0
Three-year change (percentage points) 1992 -3.3 1995 -1.4 1998 0.7 2001 0.2 2004 -1.5 2007 3.4 2010 -4.2
Other not working
24.2 18.5 18.7 11.7 18.7 14.2 15.0 15.7
32.6 30.1 23.3 28.7 27.1 20.2 25.7 20.1
4.9 4.6 7.9 7.7 7.9 7.9 5.6 3.9
-5.7 0.2 -7.0 7.0 -4.5 0.8 0.7
-2.5 -6.8 5.4 -1.6 -6.9 5.5 -5.6
-0.3 3.3 -0.2 0.2 0.0 -2.3 -1.7
Median value of certificates of deposit for families with holdings By current work status of head
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of certificates of deposit for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 11.8 1992 10.6 1995 11.3 1998 12.0 2001 11.0 2004 11.5 2007 10.5 2010 10.0
25.3 15.2 22.7 29.3 19.6 23.0 26.2 30.0
37.1 30.3 22.0 32.0 30.6 28.8 31.4 30.0
3.4 9.9 12.0 13.3 49.0 9.2 15.7 10.0
Three-year change (percent) 1992 -10.2 1995 6.6 1998 6.2 2001 -8.3 2004 4.5 2007 -8.7 2010 -4.8
-39.9 49.3 29.1 -33.1 17.3 13.9 14.5
-18.3 -27.4 45.5 -4.4 -5.9 9.0 -4.5
191.2 21.2 10.8 268.4 -81.2 70.7 -36.3
Mean value of certificates of deposit for families with holdings By current work status of head
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of certificates of deposit for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 29.5 1992 27.1 1995 38.1 1998 34.0 2001 27.1 2004 34.4 2007 39.2 2010 55.7
91.3 56.8 72.5 79.5 60.7 111.7 93.1 125.5
72.2 68.2 58.4 61.3 61.3 83.4 74.3 72.8
46.4 28.8 32.0 23.2 48.7 32.4 31.5 41.6
Three-year change (percent) 1992 -8.1 1995 40.6 1998 -10.8 2001 -20.3 2004 26.9 2007 14.0 2010 42.1
-37.8 27.6 9.7 -23.6 84.0 -16.7 34.8
-5.5 -14.4 5.0 0.0 36.1 -10.9 -2.0
-37.9 11.1 -27.5 109.9 -33.5 -2.8 32.1
Percent of families with certificates of deposit By current occupation of head
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with certificates of deposit Year
Managerial or professional Level (percent) 1989 22.6 1992 17.4 1995 18.6 1998 13.7 2001 15.4 2004 14.8 2007 18.2 2010 14.1
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 -5.2 1995 1.2 1998 -4.9 2001 1.7 2004 -0.6 2007 3.4 2010 -4.1
Retired or other not working
13.9 12.3 8.9 10.4 11.9 8.9 11.5 7.4
13.7 8.6 8.7 9.5 9.7 6.4 9.2 7.5
26.8 24.1 20.1 25.1 23.9 18.3 22.5 16.6
-1.6 -3.4 1.5 1.5 -3.0 2.6 -4.1
-5.1 0.1 0.8 0.2 -3.3 2.8 -1.7
-2.7 -4.0 5.0 -1.2 -5.6 4.2 -5.9
Median value of certificates of deposit for families with holdings By current occupation of head
Thousands of 2010 dollars
35 30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of certificates of deposit for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 16.9 10.1 16.9 1992 12.1 13.6 9.1 1995 14.9 14.2 9.9 1998 15.3 13.3 10.7 2001 15.9 9.2 9.8 2004 17.3 13.8 6.7 2007 15.7 15.7 10.5 2010 15.0 12.0 10.0 Year
Three-year change (percent) 1992 -28.4 1995 23.1 1998 2.7 2001 3.9 2004 8.8 2007 -9.2 2010 -4.5
34.7 4.4 -6.3 -30.8 50.0 13.8 -23.6
-46.2 8.8 8.1 -8.4 -31.6 56.7 -4.8
Retired or other not working 33.7 30.3 19.8 29.3 30.6 25.3 31.4 29.0 -10.1 -34.7 48.0 4.4 -17.3 24.1 -7.6
Mean value of certificates of deposit for families with holdings By current occupation of head
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of certificates of deposit for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 50.0 38.6 40.9 1992 36.1 30.6 35.8 1995 66.9 32.3 25.3 1998 57.6 35.8 24.8 2001 46.8 27.4 22.7 2004 57.6 43.4 45.1 2007 60.6 43.1 22.5 2010 94.9 43.2 49.9 Year
Three-year change (percent) 1992 -27.8 1995 85.3 1998 -13.9 2001 -18.8 2004 23.1 2007 5.2 2010 56.6
-20.7 5.6 10.8 -23.5 58.4 -0.7 0.2
-12.5 -29.3 -2.0 -8.5 98.7 -50.1 121.8
Retired or other not working 71.3 66.4 56.3 59.3 60.7 80.0 72.7 71.2 -6.9 -15.2 5.3 2.4 31.8 -9.1 -2.1
Percent of families with certificates of deposit By region
25
Percent
20
15
10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with certificates of deposit Region Year Northeast Level (percent) 1989 25.4 1992 17.7 1995 18.0 1998 16.0 2001 17.4 2004 15.3 2007 18.1 2010 12.4
Midwest
South
West
23.8 19.0 16.8 18.1 17.6 14.9 16.8 13.5
16.0 15.6 12.9 14.3 14.3 11.7 15.1 11.4
15.9 14.9 10.5 13.3 14.3 9.7 15.5 12.0
-4.8 -2.2 1.3 -0.5 -2.7 1.9 -3.3
-0.4 -2.7 1.4 0.0 -2.6 3.4 -3.7
-1.0 -4.4 2.8 1.0 -4.6 5.8 -3.5
Three-year change (percentage points) 1992 -7.7 1995 0.3 1998 -2.0 2001 1.4 2004 -2.1 2007 2.8 2010 -5.7
Median value of certificates of deposit for families with holdings By region
Thousands of 2010 dollars
35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of certificates of deposit for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 16.9 1992 15.2 1995 17.0 1998 14.7 2001 15.9 2004 20.7 2007 21.0 2010 15.0 Three-year change (percent) 1992 -10.1 1995 11.8 1998 -13.5 2001 8.2 2004 30.2 2007 1.4 2010 -28.6
Midwest
South
West
25.3 15.2 14.2 26.7 13.5 12.0 12.6 17.0
16.9 15.2 17.0 20.0 21.4 16.1 21.0 20.0
20.2 36.4 15.6 16.0 18.4 25.3 24.1 20.0
-39.9 -6.6 88.0 -49.4 -11.1 5.0 34.9
-10.1 11.8 17.6 7.0 -24.8 30.4 -4.8
80.2 -57.1 2.6 15.0 37.5 -4.7 -17.0
Mean value of certificates of deposit for families with holdings By region
Thousands of 2010 dollars
90 80 70 60 50 40 30 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of certificates of deposit for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 49.2 1992 42.7 1995 46.6 1998 39.1 2001 43.5 2004 52.5 2007 49.4 2010 45.2 Three-year change (percent) 1992 -13.2 1995 9.1 1998 -16.1 2001 11.3 2004 20.7 2007 -5.9 2010 -8.5
Midwest
South
West
59.0 34.4 43.7 43.8 34.1 67.6 51.2 56.2
49.0 51.6 59.5 64.9 51.3 53.2 64.0 91.8
72.6 79.1 52.4 45.3 54.7 90.0 65.6 84.1
-41.7 27.0 0.2 -22.1 98.2 -24.3 9.8
5.3 15.3 9.1 -21.0 3.7 20.3 43.4
9.0 -33.8 -13.5 20.8 64.5 -27.1 28.2
Percent of families with certificates of deposit By urbanicity
22
Percent
20 18 16 14 12 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
2007
Non−MSA
Percent of families with certificates of deposit Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
19.3 16.0 14.1 14.6 15.0 12.3 16.2 12.1
22.2 19.8 15.5 19.4 20.0 14.6 15.9 12.6
Three-year change (percentage points) 1992 -3.3 1995 -1.9 1998 0.5 2001 0.4 2004 -2.7 2007 3.9 2010 -4.1
2010
-2.4 -4.3 3.9 0.6 -5.4 1.3 -3.3
Median value of certificates of deposit for families with holdings By urbanicity
Thousands of 2010 dollars
30
25
20
15
10 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of certificates of deposit for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 19.0 1992 15.2 1995 14.9 1998 17.7 2001 18.4 2004 17.3 2007 21.0 2010 19.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-20.0 -2.0 18.8 4.0 -6.0 21.4 -9.5
2010
Non-MSA
25.3 24.3 14.2 26.7 18.4 17.3 10.5 20.0 -4.0 -41.6 88.0 -31.1 -6.0 -39.3 90.5
Mean value of certificates of deposit for families with holdings By urbanicity
Thousands of 2010 dollars
80 70 60 50 40 30 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of certificates of deposit for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 54.7 1992 50.3 1995 52.8 1998 50.4 2001 46.7 2004 60.9 2007 62.9 2010 76.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-8.0 5.0 -4.5 -7.3 30.4 3.3 22.1
2010
Non-MSA
60.0 49.1 39.9 49.1 41.8 72.0 35.5 53.5 -18.2 -18.7 23.1 -14.9 72.2 -50.7 50.7
Percent of families with certificates of deposit By housing status
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with certificates of deposit Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
25.3 21.6 17.4 18.9 20.0 15.9 20.0 15.6
10.2 8.1 8.7 8.3 6.7 5.6 7.7 5.2
Three-year change (percentage points) 1992 -3.7 1995 -4.2 1998 1.5 2001 1.1 2004 -4.1 2007 4.1 2010 -4.4
-2.1 0.6 -0.4 -1.6 -1.1 2.1 -2.5
2010
Median value of certificates of deposit for families with holdings By housing status
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Median value of certificates of deposit for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 25.3 1992 17.4 1995 15.6 1998 24.0 2001 18.4 2004 23.0 2007 21.0 2010 20.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-31.2 -10.3 53.8 -23.3 25.0 -8.7 -4.8
Renter or other 10.5 11.4 11.3 13.3 12.3 8.1 10.5 10.0 8.6 -0.9 17.7 -7.5 -34.1 29.6 -4.8
Mean value of certificates of deposit for families with holdings By housing status
Thousands of 2010 dollars
80 70 60 50 40 30 20 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of certificates of deposit for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 61.2 1992 52.3 1995 56.8 1998 55.4 2001 47.5 2004 68.5 2007 61.9 2010 80.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-14.5 8.6 -2.5 -14.3 44.2 -9.6 29.7
Renter or other 32.2 39.4 28.5 26.9 35.7 29.4 37.6 25.1 22.4 -27.7 -5.6 32.7 -17.6 27.9 -33.2
2010
Percent of families with certificates of deposit By percentile of net worth
50
Percent
40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with certificates of deposit Year Less than 25 Level (percent) 1989 1.1 1992 1.7 1995 1.8 1998 3.0 2001 1.8 2004 2.2 2007 2.5 2010 1.4
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
14.3 9.5 8.7 9.8 8.9 6.5 9.9 5.3
25.8 22.5 17.7 19.6 23.2 16.1 19.4 14.8
34.2 31.6 27.1 30.2 30.0 23.9 32.5 27.0
44.3 35.7 32.3 26.7 26.9 29.0 32.9 27.7
-3.3 -4.8 1.9 3.6 -7.1 3.3 -4.6
-2.6 -4.5 3.1 -0.2 -6.1 8.6 -5.5
-8.6 -3.4 -5.6 0.2 2.1 3.9 -5.2
Three-year change (percentage points) 1992 0.6 -4.8 1995 0.1 -0.8 1998 1.2 1.1 2001 -1.2 -0.9 2004 0.4 -2.4 2007 0.3 3.4 2010 -1.1 -4.6
Median value of certificates of deposit for families with holdings By percentile of net worth
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of certificates of deposit for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 4.2 8.4 1992 2.4 7.6 1995 1.8 7.1 1998 2.0 8.3 2001 1.8 6.1 2004 2.3 6.7 2007 2.1 7.3 2010 1.5 5.5 Three-year change (percent) 1992 -42.9 1995 -25.0 1998 11.1 2001 -10.0 2004 27.8 2007 -8.7 2010 -28.6
-9.5 -6.6 16.9 -26.5 9.8 9.0 -24.7
Percentile of net worth 50-74.9
75-89.9
90-100
16.9 15.2 14.2 20.0 14.1 12.0 15.7 15.0
33.7 27.3 21.2 33.3 24.5 35.7 26.2 25.0
67.5 45.5 49.6 58.7 49.0 52.9 52.4 65.0
-10.1 -6.6 40.8 -29.5 -14.9 30.8 -4.5
-19.0 -22.3 57.1 -26.4 45.7 -26.6 -4.6
-32.6 9.0 18.3 -16.5 8.0 -0.9 24.0
Mean value of certificates of deposit for families with holdings By percentile of net worth
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of certificates of deposit for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 3.4 12.5 1992 3.7 12.8 1995 3.7 11.3 1998 3.4 13.1 2001 4.3 12.4 2004 4.0 10.0 2007 4.9 10.6 2010 8.0 8.1 Three-year change (percent) 1992 8.8 1995 0.0 1998 -8.1 2001 26.5 2004 -7.0 2007 22.5 2010 63.3
2.4 -11.7 15.9 -5.3 -19.4 6.0 -23.6
Percentile of net worth 50-74.9
75-89.9
90-100
28.0 24.1 22.5 30.0 27.2 27.7 29.9 25.5
58.0 55.4 44.7 56.1 50.2 64.7 60.1 57.7
132.0 114.0 130.2 123.9 113.5 151.2 143.5 196.5
-13.9 -6.6 33.3 -9.3 1.8 7.9 -14.7
-4.5 -19.3 25.5 -10.5 28.9 -7.1 -4.0
-13.6 14.2 -4.8 -8.4 33.2 -5.1 36.9
Percent of families with savings bonds For all families
24 22
Percent
20 18 16 14 12 1989
1992
1995
1998 2001 Year
2004
Percent of families with savings bonds Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 23.9 22.3 22.8 19.3 16.7 17.6 14.9 12.0 -1.6 0.5 -3.5 -2.6 0.9 -2.7 -2.9
2007
2010
Median value of savings bonds for families with holdings For all families
Thousands of 2010 dollars
1.4
1.3
1.2
1.1
1
.9 1989
1992
1995
1998 2001 Year
2004
2007
Median value of savings bonds for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 1.0 0.9 1.4 1.3 1.2 1.2 1.0 1.0 -10.0 55.6 -7.1 -7.7 0.0 -16.7 0.0
2010
Mean value of savings bonds for families with holdings For all families
Thousands of 2010 dollars
10
9
8
7
6
5 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of savings bonds for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 6.8 5.3 7.5 6.3 9.6 6.6 6.9 6.1 -22.1 41.5 -16.0 52.4 -31.2 4.5 -11.6
2010
Percent of families with savings bonds By percentile of income
50
Percent
40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
20−39.9 80−89.9
2007
2010
40−59.9 90−100
Percent of families with savings bonds Year
Less than 20 Level (percent) 1989 4.3 1992 6.4 1995 5.2 1998 4.9 2001 3.8 2004 6.2 2007 3.6 2010 3.6
20-39.9
14.3 11.5 14.4 12.2 11.0 8.8 8.4 6.0
Three-year change (percentage points) 1992 2.1 -2.8 1995 -1.2 2.9 1998 -0.3 -2.2 2001 -1.1 -1.2 2004 2.4 -2.2 2007 -2.6 -0.4 2010 0.0 -2.4
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
25.1 20.9 22.1 19.6 14.1 15.4 15.2 10.8
35.0 33.7 31.5 25.8 24.4 26.5 20.9 16.0
46.0 40.9 42.2 35.4 30.3 32.3 26.2 23.0
35.4 37.1 39.2 32.9 29.7 29.9 26.1 24.4
-4.2 1.2 -2.5 -5.5 1.3 -0.2 -4.4
-1.3 -2.2 -5.7 -1.4 2.1 -5.6 -4.9
-5.1 1.3 -6.8 -5.1 2.0 -6.1 -3.2
1.7 2.1 -6.3 -3.2 0.2 -3.8 -1.7
Median value of savings bonds for families with holdings By percentile of income
Thousands of 2010 dollars
3 2.5 2 1.5 1 .5 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of savings bonds for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 0.3 0.8 1992 0.5 0.5 1995 0.7 1.1 1998 1.7 1.3 2001 1.2 0.7 2004 0.4 0.7 2007 0.5 1.0 2010 0.5 0.5 Three-year change (percent) 1992 66.7 -37.5 1995 40.0 120.0 1998 142.9 18.2 2001 -29.4 -46.2 2004 -66.7 0.0 2007 25.0 42.9 2010 0.0 -50.0
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
1.0 0.8 0.8 0.7 0.6 0.9 0.7 1.0
0.8 0.8 1.1 0.9 1.2 1.2 1.0 0.7
0.8 1.4 2.8 1.9 1.2 0.9 2.1 0.8
1.7 1.5 2.1 1.3 2.5 2.3 2.6 2.0
-20.0 0.0 -12.5 -14.3 50.0 -22.2 42.9
0.0 37.5 -18.2 33.3 0.0 -16.7 -30.0
75.0 100.0 -32.1 -36.8 -25.0 133.3 -61.9
-11.8 40.0 -38.1 92.3 -8.0 13.0 -23.1
Mean value of savings bonds for families with holdings By percentile of income
Thousands of 2010 dollars
20
15
10
5
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of savings bonds for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 6.7 5.9 1992 6.3 3.3 1995 7.6 8.2 1998 4.5 4.8 2001 5.4 6.2 2004 4.7 2.6 2007 3.4 7.3 2010 2.9 3.9 Three-year change (percent) 1992 -6.0 -44.1 1995 20.6 148.5 1998 -40.8 -41.5 2001 20.0 29.2 2004 -13.0 -58.1 2007 -27.7 180.8 2010 -14.7 -46.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
7.0 3.7 5.1 3.8 3.5 4.4 5.2 4.3
5.9 3.5 5.9 6.1 12.7 7.6 5.1 7.6
3.6 6.4 7.6 6.2 4.6 6.2 4.6 3.2
13.3 10.3 12.1 11.1 19.2 10.7 14.7 10.6
-47.1 37.8 -25.5 -7.9 25.7 18.2 -17.3
-40.7 68.6 3.4 108.2 -40.2 -32.9 49.0
77.8 18.8 -18.4 -25.8 34.8 -25.8 -30.4
-22.6 17.5 -8.3 73.0 -44.3 37.4 -27.9
Percent of families with savings bonds By age of head
35
Percent
30 25 20 15 10 1989
1992
1995
1998 2001 Year
Less than 35 55−64
2004
35−44 65−74
2007
2010
45−54 75 or older
Percent of families with savings bonds Year
Less than 35 Level (percent) 1989 25.9 1992 22.9 1995 20.4 1998 17.2 2001 12.7 2004 15.3 2007 13.7 2010 10.0
35-44
31.6 29.3 31.0 24.9 22.6 23.3 16.8 11.6
Three-year change (percentage points) 1992 -3.0 -2.3 1995 -2.5 1.7 1998 -3.2 -6.1 2001 -4.5 -2.3 2004 2.6 0.7 2007 -1.6 -6.5 2010 -3.7 -5.2
Age of head 45-54 55-64
65-74
75 or older
22.6 25.2 25.3 21.8 21.0 21.0 19.0 15.0
20.2 19.4 20.3 18.1 14.3 15.2 16.2 14.3
18.7 13.8 17.0 16.1 11.3 14.9 10.3 9.1
14.0 14.3 15.3 12.0 12.5 11.0 7.9 10.1
2.6 0.1 -3.5 -0.8 0.0 -2.0 -4.0
-0.8 0.9 -2.2 -3.8 0.9 1.0 -1.9
-4.9 3.2 -0.9 -4.8 3.6 -4.6 -1.2
0.3 1.0 -3.3 0.5 -1.5 -3.1 2.2
Median value of savings bonds for families with holdings By age of head
Thousands of 2010 dollars
20
15
10
5
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of savings bonds for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 0.8 0.8 1992 0.6 0.9 1995 0.7 1.4 1998 0.6 0.9 2001 0.4 1.2 2004 0.6 0.6 2007 0.7 1.0 2010 0.5 0.9 Three-year change (percent) 1992 -25.0 12.5 1995 16.7 55.6 1998 -14.3 -35.7 2001 -33.3 33.3 2004 50.0 -50.0 2007 16.7 66.7 2010 -28.6 -10.0
Age of head 45-54 55-64
65-74
75 or older
0.8 1.2 1.4 1.3 1.2 1.2 1.0 0.8
3.0 1.5 2.1 2.0 3.1 2.9 2.0 1.2
2.5 1.1 2.1 2.7 2.5 3.5 1.0 4.0
5.1 1.7 6.8 6.7 3.7 5.8 21.0 1.0
50.0 16.7 -7.1 -7.7 0.0 -16.7 -20.0
-50.0 40.0 -4.8 55.0 -6.5 -31.0 -40.0
-56.0 90.9 28.6 -7.4 40.0 -71.4 300.0
-66.7 300.0 -1.5 -44.8 56.8 262.1 -95.2
Mean value of savings bonds for families with holdings By age of head
Thousands of 2010 dollars
40
30
20
10
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of savings bonds for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 1.9 3.2 1992 2.7 4.1 1995 2.7 4.9 1998 1.8 3.8 2001 1.6 7.2 2004 2.6 3.1 2007 1.7 4.7 2010 1.7 3.8 Three-year change (percent) 1992 42.1 28.1 1995 0.0 19.5 1998 -33.3 -22.4 2001 -11.1 89.5 2004 62.5 -56.9 2007 -34.6 51.6 2010 0.0 -19.1
Age of head 45-54 55-64
65-74
75 or older
4.7 5.4 6.0 6.5 10.4 5.9 4.2 4.1
12.5 8.4 10.6 10.3 7.7 12.0 10.3 8.8
21.0 6.8 17.8 8.2 12.9 16.5 13.5 14.2
21.6 14.9 20.2 21.3 34.0 11.4 27.4 11.4
14.9 11.1 8.3 60.0 -43.3 -28.8 -2.4
-32.8 26.2 -2.8 -25.2 55.8 -14.2 -14.6
-67.6 161.8 -53.9 57.3 27.9 -18.2 5.2
-31.0 35.6 5.4 59.6 -66.5 140.4 -58.4
Percent of families with savings bonds By family structure
35
Percent
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with savings bonds Year
Single with child(ren)
Level (percent) 1989 16.9 1992 17.9 1995 14.3 1998 11.7 2001 13.4 2004 10.0 2007 10.9 2010 6.3
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
13.5 14.1 12.1 10.4 7.9 12.6 9.4 6.3
12.0 12.2 11.6 10.4 10.2 8.7 9.6 7.0
36.1 33.2 36.2 30.2 26.7 29.3 24.0 18.9
22.8 21.4 22.6 19.4 14.7 14.9 11.6 12.4
0.2 -0.6 -1.2 -0.2 -1.5 0.9 -2.6
-2.9 3.0 -6.0 -3.5 2.6 -5.3 -5.1
-1.4 1.2 -3.2 -4.7 0.2 -3.3 0.8
Three-year change (percentage points) 1992 1.0 0.6 1995 -3.6 -2.0 1998 -2.6 -1.7 2001 1.7 -2.5 2004 -3.4 4.7 2007 0.9 -3.2 2010 -4.6 -3.1
Median value of savings bonds for families with holdings By family structure
Thousands of 2010 dollars
5 4 3 2 1 0 1989
1992
1995
1998
2001
2004
2007
2010
Year Single with child(ren) Single, no child, age>=55 Couple, no child
Single, no child, age<55 Couple with child(ren)
Median value of savings bonds for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 1.3 1.0 1992 0.8 1.0 1995 1.0 1.4 1998 0.9 0.8 2001 0.7 0.6 2004 0.6 1.0 2007 1.0 1.6 2010 1.3 0.5 Three-year change (percent) 1992 -38.5 1995 25.0 1998 -10.0 2001 -22.2 2004 -14.3 2007 66.7 2010 30.0
0.0 40.0 -42.9 -25.0 66.7 60.0 -68.8
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
4.6 1.5 4.8 4.4 4.9 2.9 4.2 1.6
0.8 0.8 0.8 0.8 1.2 0.8 1.0 0.8
2.1 1.2 1.7 1.6 1.8 2.3 1.6 1.2
-67.4 220.0 -8.3 11.4 -40.8 44.8 -61.9
0.0 0.0 0.0 50.0 -33.3 25.0 -20.0
-42.9 41.7 -5.9 12.5 27.8 -30.4 -25.0
Mean value of savings bonds for families with holdings By family structure
Thousands of 2010 dollars
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of savings bonds for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 2.3 4.0 1992 5.0 3.8 1995 2.8 7.3 1998 3.5 4.6 2001 2.4 15.0 2004 2.5 4.2 2007 6.8 3.3 2010 4.5 2.4 Three-year change (percent) 1992 117.4 1995 -44.0 1998 25.0 2001 -31.4 2004 4.2 2007 172.0 2010 -33.8
-5.0 92.1 -37.0 226.1 -72.0 -21.4 -27.3
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
13.0 6.5 15.9 14.7 15.6 6.4 18.5 7.5
3.1 3.7 5.0 4.1 6.4 5.3 3.9 4.7
17.2 9.1 11.4 9.5 15.1 12.2 10.5 9.7
-50.0 144.6 -7.5 6.1 -59.0 189.1 -59.5
19.4 35.1 -18.0 56.1 -17.2 -26.4 20.5
-47.1 25.3 -16.7 58.9 -19.2 -13.9 -7.6
Percent of families with savings bonds By education of head
40
Percent
30
20
10
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with savings bonds Year
No high school diploma Level (percent) 1989 9.6 1992 8.2 1995 8.6 1998 7.4 2001 5.2 2004 4.2 2007 3.4 2010 2.7
Education of head High school Some college diploma
Three-year change (percentage points) 1992 -1.4 1995 0.4 1998 -1.2 2001 -2.2 2004 -1.0 2007 -0.8 2010 -0.7
College degree
23.3 19.5 22.6 17.9 14.1 14.2 11.5 9.1
28.5 26.6 23.7 19.7 17.0 19.3 16.4 11.7
34.4 31.5 31.0 26.4 24.2 24.9 21.6 17.7
-3.8 3.1 -4.7 -3.8 0.1 -2.7 -2.4
-1.9 -2.9 -4.0 -2.7 2.3 -2.9 -4.7
-2.9 -0.5 -4.6 -2.2 0.7 -3.3 -3.9
Median value of savings bonds for families with holdings By education of head
Thousands of 2010 dollars
2
1.5
1
.5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of savings bonds for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 1.2 1992 0.5 1995 1.4 1998 1.5 2001 0.5 2004 0.6 2007 1.0 2010 0.4 Three-year change (percent) 1992 -58.3 1995 180.0 1998 7.1 2001 -66.7 2004 20.0 2007 66.7 2010 -60.0
Education of head High school Some college diploma
College degree
0.9 0.8 1.0 0.8 0.8 0.7 1.0 0.6
1.0 1.1 1.1 0.9 1.3 0.9 1.0 0.8
0.8 1.4 1.7 1.3 1.8 1.2 1.2 1.0
-11.1 25.0 -20.0 0.0 -12.5 42.9 -40.0
10.0 0.0 -18.2 44.4 -30.8 11.1 -20.0
75.0 21.4 -23.5 38.5 -33.3 0.0 -16.7
Mean value of savings bonds for families with holdings By education of head
Thousands of 2010 dollars
12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of savings bonds for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 3.8 1992 2.3 1995 9.3 1998 4.8 2001 3.1 2004 2.6 2007 2.4 2010 1.7 Three-year change (percent) 1992 -39.5 1995 304.3 1998 -48.4 2001 -35.4 2004 -16.1 2007 -7.7 2010 -29.2
Education of head High school Some college diploma
College degree
10.3 3.7 6.0 5.0 4.2 4.3 7.8 3.8
3.9 6.8 6.6 4.5 11.2 7.6 4.9 4.5
6.2 6.1 8.6 8.0 12.7 7.6 7.5 7.9
-64.1 62.2 -16.7 -16.0 2.4 81.4 -51.3
74.4 -2.9 -31.8 148.9 -32.1 -35.5 -8.2
-1.6 41.0 -7.0 58.8 -40.2 -1.3 5.3
Percent of families with savings bonds By race or ethnicity of respondent
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with savings bonds Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 28.0 26.0 26.2 22.3 19.5 21.1 17.8 14.8
Three-year change (percentage points) 1992 -2.0 1995 0.2 1998 -3.9 2001 -2.8 2004 1.6 2007 -3.3 2010 -3.0
11.6 11.2 10.8 9.4 8.1 8.5 7.8 6.3 -0.4 -0.4 -1.4 -1.3 0.4 -0.7 -1.5
Median value of savings bonds for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
1.4
1.2
1
.8
.6 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of savings bonds for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 1.0 0.8 1992 0.9 0.8 1995 1.4 0.7 1998 1.3 0.9 2001 1.2 0.9 2004 1.2 0.7 2007 1.0 1.0 2010 1.0 1.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-10.0 55.6 -7.1 -7.7 0.0 -16.7 0.0
0.0 -12.5 28.6 0.0 -22.2 42.9 0.0
Mean value of savings bonds for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
10 9 8 7 6 5 4 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of savings bonds for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 7.2 4.1 1992 5.4 4.6 1995 7.9 4.0 1998 6.6 3.6 2001 10.1 6.1 2004 6.6 6.6 2007 7.4 3.9 2010 6.1 6.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-25.0 46.3 -16.5 53.0 -34.7 12.1 -17.6
12.2 -13.0 -10.0 69.4 8.2 -40.9 64.1
Percent of families with savings bonds By current work status of head
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with savings bonds Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
29.8 27.7 26.6 21.8 19.4 20.1 17.0 13.7
Three-year change (percentage points) 1992 -2.1 1995 -1.1 1998 -4.8 2001 -2.4 2004 0.7 2007 -3.1 2010 -3.3
Other not working
23.8 23.1 25.8 20.2 16.6 18.7 15.9 12.9
15.8 14.5 15.2 14.4 11.4 11.4 10.2 9.6
3.9 10.0 12.8 11.9 7.6 14.5 10.7 5.8
-0.7 2.7 -5.6 -3.6 2.1 -2.8 -3.0
-1.3 0.7 -0.8 -3.0 0.0 -1.2 -0.6
6.1 2.8 -0.9 -4.3 6.9 -3.8 -4.9
Median value of savings bonds for families with holdings By current work status of head
Thousands of 2010 dollars
5 4 3 2 1 0 1989
1992
1995
1998
2001
2004
2007
2010
Year Employee Retired
Self−employed Other not working
Median value of savings bonds for families with holdings Year
Employee
Level (thousands of 2010 dollars) 1989 0.8 1992 0.8 1995 1.3 1998 0.9 2001 1.2 2004 0.8 2007 1.0 2010 0.6 Three-year change (percent) 1992 0.0 1995 62.5 1998 -30.8 2001 33.3 2004 -33.3 2007 25.0 2010 -40.0
Current work status of head Self-employed Retired
Other not working
0.8 0.8 1.2 1.2 2.5 2.2 1.0 1.2
3.4 1.5 3.5 3.3 4.9 3.5 2.6 2.0
1.0 0.8 0.6 1.1 0.4 2.3 2.1 1.0
0.0 50.0 0.0 108.3 -12.0 -54.5 30.0
-55.9 133.3 -5.7 48.5 -28.6 -25.7 -23.1
-20.0 -25.0 83.3 -63.6 475.0 -8.7 -52.4
Mean value of savings bonds for families with holdings By current work status of head
Thousands of 2010 dollars
25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of savings bonds for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 3.4 1992 3.9 1995 5.3 1998 4.5 2001 4.9 2004 4.3 2007 4.7 2010 3.8
11.9 6.2 7.1 7.5 21.2 8.7 6.5 8.0
18.4 9.4 17.8 12.2 23.2 15.2 16.5 13.3
1.5 10.2 2.4 4.8 2.1 7.2 3.8 2.8
Three-year change (percent) 1992 14.7 1995 35.9 1998 -15.1 2001 8.9 2004 -12.2 2007 9.3 2010 -19.1
-47.9 14.5 5.6 182.7 -59.0 -25.3 23.1
-48.9 89.4 -31.5 90.2 -34.5 8.6 -19.4
580.0 -76.5 100.0 -56.2 242.9 -47.2 -26.3
Percent of families with savings bonds By current occupation of head
40 35
Percent
30 25 20 15 10 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with savings bonds Year
Managerial or professional Level (percent) 1989 37.8 1992 33.4 1995 34.0 1998 24.4 2001 23.8 2004 25.5 2007 21.1 2010 17.3
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 -4.4 1995 0.6 1998 -9.6 2001 -0.6 2004 1.7 2007 -4.4 2010 -3.8
Retired or other not working
22.7 27.1 21.9 19.9 17.4 18.5 15.0 11.0
26.4 19.6 24.9 20.2 14.5 13.8 13.1 11.0
13.3 13.4 14.7 14.0 10.7 11.8 10.3 8.8
4.4 -5.2 -2.0 -2.5 1.1 -3.5 -4.0
-6.8 5.3 -4.7 -5.7 -0.7 -0.7 -2.1
0.1 1.3 -0.7 -3.3 1.1 -1.5 -1.5
Median value of savings bonds for families with holdings By current occupation of head
Thousands of 2010 dollars
3.5 3 2.5 2 1.5 1 .5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of savings bonds for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 0.8 0.8 0.8 1992 1.5 0.8 0.6 1995 1.4 1.1 0.8 1998 1.3 0.8 0.8 2001 1.2 1.1 0.8 2004 1.2 0.9 0.6 2007 1.0 1.0 0.7 2010 1.0 1.0 0.5 Year
Three-year change (percent) 1992 87.5 1995 -6.7 1998 -7.1 2001 -7.7 2004 0.0 2007 -16.7 2010 0.0
0.0 37.5 -27.3 37.5 -18.2 11.1 0.0
-25.0 33.3 0.0 0.0 -25.0 16.7 -28.6
Retired or other not working 2.5 1.4 2.5 3.3 3.7 2.4 2.1 1.5 -44.0 78.6 32.0 12.1 -35.1 -12.5 -28.6
Mean value of savings bonds for families with holdings By current occupation of head
Thousands of 2010 dollars
20
15
10
5
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of savings bonds for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 4.6 4.2 4.8 1992 6.1 2.8 3.1 1995 7.3 5.2 3.9 1998 7.1 3.8 3.5 2001 7.2 8.3 5.9 2004 5.9 3.4 5.0 2007 6.7 3.0 3.8 2010 5.8 3.7 2.2 Year
Three-year change (percent) 1992 32.6 1995 19.7 1998 -2.7 2001 1.4 2004 -18.1 2007 13.6 2010 -13.4
-33.3 85.7 -26.9 118.4 -59.0 -11.8 23.3
-35.4 25.8 -10.3 68.6 -15.3 -24.0 -42.1
Retired or other not working 17.4 9.5 15.1 11.0 20.8 13.7 14.5 11.8 -45.4 58.9 -27.2 89.1 -34.1 5.8 -18.6
Percent of families with savings bonds By region
35
Percent
30 25 20 15 10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with savings bonds Region Year Northeast Level (percent) 1989 32.2 1992 29.6 1995 31.2 1998 25.3 2001 21.1 2004 21.5 2007 18.9 2010 16.9
Midwest
South
West
24.2 26.9 25.7 22.0 22.9 23.6 16.0 13.5
18.0 17.2 19.0 16.5 12.0 12.7 12.0 9.8
24.8 18.3 17.9 15.7 14.1 16.1 15.0 10.1
2.7 -1.2 -3.7 0.9 0.7 -7.6 -2.5
-0.8 1.8 -2.5 -4.5 0.7 -0.7 -2.2
-6.5 -0.4 -2.2 -1.6 2.0 -1.1 -4.9
Three-year change (percentage points) 1992 -2.6 1995 1.6 1998 -5.9 2001 -4.2 2004 0.4 2007 -2.6 2010 -2.0
Median value of savings bonds for families with holdings By region
Thousands of 2010 dollars
2
1.5
1
.5 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of savings bonds for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 1.2 1992 0.9 1995 1.4 1998 1.3 2001 1.5 2004 1.7 2007 1.0 2010 1.0 Three-year change (percent) 1992 -25.0 1995 55.6 1998 -7.1 2001 15.4 2004 13.3 2007 -41.2 2010 0.0
Midwest
South
West
0.8 0.8 1.4 1.3 1.3 0.9 1.0 0.5
1.0 0.9 1.1 0.9 0.9 1.2 1.3 1.0
0.8 1.4 1.4 0.7 1.2 0.7 1.0 1.0
0.0 75.0 -7.1 0.0 -30.8 11.1 -50.0
-10.0 22.2 -18.2 0.0 33.3 8.3 -23.1
75.0 0.0 -50.0 71.4 -41.7 42.9 0.0
Mean value of savings bonds for families with holdings By region
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of savings bonds for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 8.2 1992 5.2 1995 7.1 1998 7.3 2001 6.1 2004 8.9 2007 7.7 2010 5.3 Three-year change (percent) 1992 -36.6 1995 36.5 1998 2.8 2001 -16.4 2004 45.9 2007 -13.5 2010 -31.2
Midwest
South
West
7.9 4.0 8.5 5.6 8.2 6.7 4.9 3.9
5.8 5.6 7.0 6.8 4.7 5.0 6.7 7.5
5.0 7.2 7.4 4.8 23.6 6.1 8.5 8.1
-49.4 112.5 -34.1 46.4 -18.3 -26.9 -20.4
-3.4 25.0 -2.9 -30.9 6.4 34.0 11.9
44.0 2.8 -35.1 391.7 -74.2 39.3 -4.7
Percent of families with savings bonds By urbanicity
25
Percent
20
15
10 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
2007
Non−MSA
Percent of families with savings bonds Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
25.6 23.4 23.8 19.7 16.4 18.4 15.1 12.7
16.6 17.4 17.0 17.0 18.2 14.0 13.8 8.8
Three-year change (percentage points) 1992 -2.2 1995 0.4 1998 -4.1 2001 -3.3 2004 2.0 2007 -3.3 2010 -2.4
2010
0.8 -0.4 0.0 1.2 -4.2 -0.2 -5.0
Median value of savings bonds for families with holdings By urbanicity
Thousands of 2010 dollars
1.4 1.2 1 .8 .6 .4 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of savings bonds for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 1.0 1992 1.1 1995 1.4 1998 1.3 2001 1.2 2004 1.2 2007 1.0 2010 1.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
10.0 27.3 -7.1 -7.7 0.0 -16.7 0.0
2010
Non-MSA
1.3 0.5 1.4 0.8 0.7 1.2 1.3 0.5 -61.5 180.0 -42.9 -12.5 71.4 8.3 -61.5
Mean value of savings bonds for families with holdings By urbanicity
Thousands of 2010 dollars
12
10
8
6
4 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of savings bonds for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 6.1 1992 5.6 1995 7.6 1998 6.6 2001 10.2 2004 7.0 2007 6.7 2010 6.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-8.2 35.7 -13.2 54.5 -31.4 -4.3 -4.5
2010
Non-MSA
11.3 3.5 6.0 4.1 6.1 4.4 8.1 4.4 -69.0 71.4 -31.7 48.8 -27.9 84.1 -45.7
Percent of families with savings bonds By housing status
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with savings bonds Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
29.2 27.4 28.3 23.3 21.2 21.2 18.2 15.0
14.5 13.2 12.7 11.5 7.2 9.5 7.5 5.8
Three-year change (percentage points) 1992 -1.8 1995 0.9 1998 -5.0 2001 -2.1 2004 0.0 2007 -3.0 2010 -3.2
-1.3 -0.5 -1.2 -4.3 2.3 -2.0 -1.7
2010
Median value of savings bonds for families with holdings By housing status
Thousands of 2010 dollars
1.4 1.2 1 .8 .6 .4 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of savings bonds for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 1.1 1992 1.1 1995 1.4 1998 1.3 2001 1.5 2004 1.2 2007 1.0 2010 1.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
0.0 27.3 -7.1 15.4 -20.0 -16.7 0.0
Renter or other 0.8 0.8 1.4 0.8 0.5 0.8 0.7 0.6 0.0 75.0 -42.9 -37.5 60.0 -12.5 -14.3
2010
Mean value of savings bonds for families with holdings By housing status
Thousands of 2010 dollars
10
8
6
4
2 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of savings bonds for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 8.0 1992 5.8 1995 7.9 1998 6.5 2001 9.7 2004 6.7 2007 7.3 2010 6.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-27.5 36.2 -17.7 49.2 -30.9 9.0 -9.6
Renter or other 2.5 3.5 5.6 5.3 9.1 6.0 5.0 3.8 40.0 60.0 -5.4 71.7 -34.1 -16.7 -24.0
2010
Percent of families with savings bonds By percentile of net worth
35
Percent
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with savings bonds Year Less than 25 Level (percent) 1989 8.7 1992 9.1 1995 8.3 1998 7.0 2001 4.3 2004 6.2 2007 4.8 2010 4.8
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
19.3 19.1 19.9 16.3 13.0 13.2 12.3 7.0
32.7 29.1 27.6 24.0 23.4 22.9 17.6 14.2
36.3 33.7 34.6 27.8 25.9 28.0 25.9 21.6
32.5 29.1 36.4 33.2 26.1 28.3 23.2 22.8
-3.6 -1.5 -3.6 -0.6 -0.5 -5.3 -3.4
-2.6 0.9 -6.8 -1.9 2.1 -2.1 -4.3
-3.4 7.3 -3.2 -7.1 2.2 -5.1 -0.4
Three-year change (percentage points) 1992 0.4 -0.2 1995 -0.8 0.8 1998 -1.3 -3.6 2001 -2.7 -3.3 2004 1.9 0.2 2007 -1.4 -0.9 2010 0.0 -5.3
Median value of savings bonds for families with holdings By percentile of net worth
Thousands of 2010 dollars
4
3
2
1
0 1989
1992
1995
1998
2001
2004
2007
2010
Year Less than 25 75−89.9
25−49.9 90−100
50−74.9
Median value of savings bonds for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 0.4 0.8 1992 0.3 0.6 1995 0.3 0.8 1998 0.5 0.7 2001 0.2 0.6 2004 0.3 0.6 2007 0.5 0.7 2010 0.2 0.5 Three-year change (percent) 1992 -25.0 1995 0.0 1998 66.7 2001 -60.0 2004 50.0 2007 66.7 2010 -60.0
-25.0 33.3 -12.5 -14.3 0.0 16.7 -28.6
Percentile of net worth 50-74.9
75-89.9
90-100
0.8 0.8 1.4 1.3 1.2 1.2 1.3 0.6
1.7 1.5 2.1 2.7 2.5 2.0 2.1 1.4
2.8 3.0 3.9 2.7 2.5 2.9 3.7 3.0
0.0 75.0 -7.1 -7.7 0.0 8.3 -53.8
-11.8 40.0 28.6 -7.4 -20.0 5.0 -33.3
7.1 30.0 -30.8 -7.4 16.0 27.6 -18.9
Mean value of savings bonds for families with holdings By percentile of net worth
Thousands of 2010 dollars
30 25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of savings bonds for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.0 1.8 1992 0.8 2.1 1995 0.9 2.2 1998 0.9 1.9 2001 0.5 1.9 2004 0.9 3.1 2007 1.1 1.6 2010 0.8 2.4 Three-year change (percent) 1992 -20.0 1995 12.5 1998 0.0 2001 -44.4 2004 80.0 2007 22.2 2010 -27.3
16.7 4.8 -13.6 0.0 63.2 -48.4 50.0
Percentile of net worth 50-74.9
75-89.9
90-100
3.8 2.7 3.7 4.4 4.7 3.1 5.5 2.3
8.4 7.3 10.8 11.1 11.8 10.2 8.4 8.2
23.1 17.4 21.0 11.9 30.8 15.7 17.0 14.9
-28.9 37.0 18.9 6.8 -34.0 77.4 -58.2
-13.1 47.9 2.8 6.3 -13.6 -17.6 -2.4
-24.7 20.7 -43.3 158.8 -49.0 8.3 -12.4
Percent of families with directly held bonds For all families
6
Percent
5
4
3
2
1 1989
1992
1995
1998
2001
2004
Year
Percent of families with directly held bonds Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 5.7 4.3 3.1 3.0 3.0 1.8 1.6 1.6 -1.4 -1.2 -0.1 0.0 -1.2 -0.2 0.0
2007
2010
Median value of directly held bonds for families with holdings For all families
Thousands of 2010 dollars
140
120
100
80
60
40 1989
1992
1995
1998 2001 Year
2004
2007
Median value of directly held bonds for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 47.2 45.5 41.4 59.8 53.3 74.8 83.8 137.0 -3.6 -9.0 44.4 -10.9 40.3 12.0 63.5
2010
Mean value of directly held bonds for families with holdings For all families
Thousands of 2010 dollars
700
600
500
400
300
200 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of directly held bonds for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 195.0 206.4 261.9 258.9 356.9 629.4 601.7 615.0 5.8 26.9 -1.1 37.9 76.4 -4.4 2.2
2010
Percent of families with directly held bonds By percentile of income
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
20−39.9 80−89.9
2007
2010
40−59.9 90−100
Percent of families with directly held bonds Year
Less than 20 Level (percent) 1989 0.3 1992 0.7 1995 0.2 1998 0.7 2001 0.3 2004 0.0 2007 0.3 2010 0.1
20-39.9
1.9 2.1 0.7 1.4 1.0 0.1 0.5 0.8
Three-year change (percentage points) 1992 0.4 0.2 1995 -0.5 -1.4 1998 0.5 0.7 2001 -0.4 -0.4 2004 -0.3 -0.9 2007 0.3 0.4 2010 -0.2 0.3
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
3.9 2.2 2.3 2.7 1.5 1.1 0.5 0.8
5.6 4.5 3.5 2.9 3.7 2.1 1.4 1.3
7.3 6.0 5.0 3.2 3.9 2.9 1.8 2.0
26.1 17.6 12.4 10.8 12.7 8.9 8.9 8.3
-1.7 0.1 0.4 -1.2 -0.4 -0.6 0.3
-1.1 -1.0 -0.6 0.8 -1.6 -0.7 -0.1
-1.3 -1.0 -1.8 0.7 -1.0 -1.1 0.2
-8.5 -5.2 -1.6 1.9 -3.8 0.0 -0.6
Median value of directly held bonds for families with holdings By percentile of income
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of directly held bonds for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 21.9 42.2 1992 15.2 19.7 1995 28.7 52.6 1998 10.3 10.8 2001 36.3 24.5 2004 . 11.5 2007 10.5 47.6 2010 20.0 46.6 Three-year change (percent) 1992 -30.6 -53.3 1995 88.8 167.0 1998 -64.1 -79.5 2001 252.4 126.9 2004 . -53.1 2007 . 313.9 2010 90.5 -2.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
27.0 30.3 35.4 28.2 12.3 20.5 104.8 60.0
32.9 60.6 41.1 25.3 49.0 92.1 19.9 30.0
45.5 22.7 21.2 25.3 61.3 40.3 84.9 141.0
59.0 122.8 70.8 144.1 108.7 184.1 261.9 297.2
12.2 16.8 -20.3 -56.4 66.7 411.2 -42.7
84.2 -32.2 -38.4 93.7 88.0 -78.4 50.8
-50.1 -6.6 19.3 142.3 -34.3 110.7 66.1
108.1 -42.3 103.5 -24.6 69.4 42.3 13.5
Mean value of directly held bonds for families with holdings By percentile of income
Thousands of 2010 dollars
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of directly held bonds for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 75.5 58.7 1992 22.1 26.2 1995 106.9 79.8 1998 49.5 118.9 2001 91.0 37.1 2004 . 8.2 2007 83.4 42.4 2010 723.0 73.4 Three-year change (percent) 1992 -70.7 -55.4 1995 383.7 204.6 1998 -53.7 49.0 2001 83.8 -68.8 2004 . -77.9 2007 . 417.1 2010 766.9 73.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
78.5 46.5 58.2 80.2 35.9 62.6 184.5 87.6
90.2 116.0 76.0 101.8 125.1 203.4 86.9 100.0
110.3 59.3 124.1 71.0 158.3 199.5 150.6 221.1
321.7 400.8 524.2 556.6 691.3 1115.1 995.9 1075.6
-40.8 25.2 37.8 -55.2 74.4 194.7 -52.5
28.6 -34.5 33.9 22.9 62.6 -57.3 15.1
-46.2 109.3 -42.8 123.0 26.0 -24.5 46.8
24.6 30.8 6.2 24.2 61.3 -10.7 8.0
Percent of families with directly held bonds By age of head
12 10 Percent
8 6 4 2 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
2004
35−44 65−74
2007
2010
45−54 75 or older
Percent of families with directly held bonds Year
Less than 35 Level (percent) 1989 1.5 1992 1.5 1995 0.6 1998 1.0 2001 0.4 2004 0.2 2007 0.3 2010 0.3
35-44
4.1 2.5 1.7 1.5 2.1 0.6 0.7 0.4
Three-year change (percentage points) 1992 0.0 -1.6 1995 -0.9 -0.8 1998 0.4 -0.2 2001 -0.6 0.6 2004 -0.2 -1.5 2007 0.1 0.1 2010 0.0 -0.3
Age of head 45-54 55-64
65-74
75 or older
5.2 5.6 4.5 2.8 2.8 1.8 1.1 1.4
9.8 5.0 3.1 3.5 6.1 3.3 2.1 2.4
12.1 7.5 5.7 7.2 3.9 4.3 4.2 3.4
8.1 8.5 7.0 5.9 5.7 3.0 3.5 3.6
0.4 -1.1 -1.7 0.0 -1.0 -0.7 0.3
-4.8 -1.9 0.4 2.6 -2.8 -1.2 0.3
-4.6 -1.8 1.5 -3.3 0.4 -0.1 -0.8
0.4 -1.5 -1.1 -0.2 -2.7 0.5 0.1
Median value of directly held bonds for families with holdings By age of head
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of directly held bonds for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 11.8 16.9 1992 15.2 30.3 1995 2.8 15.6 1998 4.0 73.8 2001 11.0 16.7 2004 15.3 11.5 2007 1.0 10.2 2010 10.0 10.0 Three-year change (percent) 1992 28.8 79.3 1995 -81.6 -48.5 1998 42.9 373.1 2001 175.0 -77.4 2004 39.1 -31.1 2007 -93.5 -11.3 2010 900.0 -2.0
Age of head 45-54 55-64
65-74
75 or older
16.9 60.6 35.4 42.3 73.5 34.5 209.5 150.0
59.0 75.8 14.2 133.4 73.5 92.1 95.1 250.0
59.0 48.5 70.8 69.4 87.5 46.0 52.4 100.0
50.6 53.1 56.7 25.1 42.9 339.4 104.8 141.0
258.6 -41.6 19.5 73.8 -53.1 507.2 -28.4
28.5 -81.3 839.4 -44.9 25.3 3.3 162.9
-17.8 46.0 -2.0 26.1 -47.4 13.9 90.8
4.9 6.8 -55.7 70.9 691.1 -69.1 34.5
Mean value of directly held bonds for families with holdings By age of head
Thousands of 2010 dollars
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of directly held bonds for families with holdings Less than 35-44 35 Level (thousands of 2010 dollars) 1989 29.0 185.7 1992 27.2 175.3 1995 27.8 205.6 1998 43.5 177.7 2001 397.4 88.2 2004 15.7 329.4 2007 120.5 378.4 2010 77.5 513.4
Age of head 45-54 55-64
65-74
75 or older
184.9 196.4 172.2 285.2 453.5 334.7 1152.6 693.3
147.2 306.4 419.1 460.9 424.8 802.1 569.0 716.5
195.7 213.2 371.8 241.8 485.4 550.1 480.2 530.4
400.8 235.1 250.4 238.1 284.7 1024.4 584.4 638.9
Three-year change (percent) 1992 -6.2 -5.6 1995 2.2 17.3 1998 56.5 -13.6 2001 813.6 -50.4 2004 -96.0 273.5 2007 667.5 14.9 2010 -35.7 35.7
6.2 -12.3 65.6 59.0 -26.2 244.4 -39.8
108.2 36.8 10.0 -7.8 88.8 -29.1 25.9
8.9 74.4 -35.0 100.7 13.3 -12.7 10.5
-41.3 6.5 -4.9 19.6 259.8 -43.0 9.3
Year
Percent of families with directly held bonds By family structure
12
Percent
10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with directly held bonds Year
Single with child(ren)
Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2.6 1.4 1.3 1.0 0.7 0.4 0.3 0.6
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
2.0 2.1 0.9 1.9 1.2 0.4 0.6 0.3
7.3 4.6 4.0 4.7 2.8 2.6 2.1 2.5
3.7 4.0 3.0 2.3 2.9 1.7 1.2 1.2
12.1 7.2 4.9 4.3 4.9 3.0 2.9 2.9
-2.7 -0.6 0.7 -1.9 -0.2 -0.5 0.4
0.3 -1.0 -0.7 0.6 -1.2 -0.5 0.0
-4.9 -2.3 -0.6 0.6 -1.9 -0.1 0.0
Three-year change (percentage points) 1992 -1.2 0.1 1995 -0.1 -1.2 1998 -0.3 1.0 2001 -0.3 -0.7 2004 -0.3 -0.8 2007 -0.1 0.2 2010 0.3 -0.3
Median value of directly held bonds for families with holdings By family structure
Thousands of 2010 dollars
200 150 100 50 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of directly held bonds for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 3.4 50.6 1992 7.6 37.4 1995 3.5 63.7 1998 174.7 20.0 2001 18.4 9.6 2004 21.6 34.5 2007 143.3 104.8 2010 5.5 100.0 Three-year change (percent) 1992 123.5 1995 -53.9 1998 4891.4 2001 -89.5 2004 17.4 2007 563.4 2010 -96.2
-26.1 70.3 -68.6 -52.0 259.4 203.8 -4.6
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
50.6 45.5 106.2 28.7 42.6 71.3 52.4 120.0
30.4 44.7 26.9 59.8 31.9 36.8 84.9 129.0
59.0 48.5 42.2 73.8 88.1 103.6 83.8 175.0
-10.1 133.4 -73.0 48.4 67.4 -26.5 129.0
47.0 -39.8 122.3 -46.7 15.4 130.7 51.9
-17.8 -13.0 74.9 19.4 17.6 -19.1 108.8
Mean value of directly held bonds for families with holdings By family structure
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of directly held bonds for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 17.5 109.1 1992 63.3 89.7 1995 87.3 115.7 1998 265.7 95.4 2001 11.3 259.8 2004 717.1 104.4 2007 654.4 509.6 2010 192.8 240.3 Three-year change (percent) 1992 261.7 1995 37.9 1998 204.4 2001 -95.7 2004 6246.0 2007 -8.7 2010 -70.5
-17.8 29.0 -17.5 172.3 -59.8 388.1 -52.8
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
127.8 205.5 295.1 167.5 196.4 409.5 314.3 411.0
234.0 185.1 254.1 231.1 320.4 475.3 695.1 691.5
233.3 258.1 290.6 376.5 454.1 875.4 681.1 739.6
60.8 43.6 -43.2 17.3 108.5 -23.2 30.8
-20.9 37.3 -9.1 38.6 48.3 46.2 -0.5
10.6 12.6 29.6 20.6 92.8 -22.2 8.6
Percent of families with directly held bonds By education of head
15
Percent
10
5
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with directly held bonds Year
No high school diploma Level (percent) 1989 1.0 1992 1.2 1995 1.2 1998 0.8 2001 0.1 2004 0.4 2007 0.2 2010 0.2
Education of head High school Some college diploma
Three-year change (percentage points) 1992 0.2 1995 0.0 1998 -0.4 2001 -0.7 2004 0.3 2007 -0.2 2010 0.0
College degree
3.4 2.1 1.5 1.1 1.0 0.4 0.6 0.2
4.1 4.3 2.1 2.4 3.2 0.6 1.2 1.0
13.3 8.2 6.5 6.1 6.1 4.1 3.3 3.6
-1.3 -0.6 -0.4 -0.1 -0.6 0.2 -0.4
0.2 -2.2 0.3 0.8 -2.6 0.6 -0.2
-5.1 -1.7 -0.4 0.0 -2.0 -0.8 0.3
Median value of directly held bonds for families with holdings By education of head
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of directly held bonds for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 47.2 1992 45.5 1995 35.4 1998 11.1 2001 55.8 2004 71.3 2007 595.1 2010 1.6 Three-year change (percent) 1992 -3.6 1995 -22.2 1998 -68.6 2001 402.7 2004 27.8 2007 734.6 2010 -99.7
Education of head High school Some college diploma
College degree
42.2 19.7 28.3 63.3 26.3 23.0 48.7 49.8
57.3 60.6 34.0 92.7 73.5 176.6 52.4 40.0
42.2 53.1 56.7 60.0 61.3 92.1 104.8 150.0
-53.3 43.7 123.7 -58.5 -12.5 111.7 2.3
5.8 -43.9 172.6 -20.7 140.3 -70.3 -23.7
25.8 6.8 5.8 2.2 50.2 13.8 43.1
Mean value of directly held bonds for families with holdings By education of head
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of directly held bonds for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 72.4 1992 150.8 1995 290.0 1998 207.4 2001 87.5 2004 357.6 2007 754.5 2010 5.8 Three-year change (percent) 1992 108.3 1995 92.3 1998 -28.5 2001 -57.8 2004 308.7 2007 111.0 2010 -99.2
Education of head High school Some college diploma
College degree
92.8 99.2 208.6 208.7 142.7 271.9 217.4 451.7
472.3 144.8 202.5 412.1 215.0 896.6 523.4 410.1
186.2 254.8 283.2 238.2 431.1 651.0 673.3 660.6
6.9 110.3 0.0 -31.6 90.5 -20.0 107.8
-69.3 39.8 103.5 -47.8 317.0 -41.6 -21.6
36.8 11.1 -15.9 81.0 51.0 3.4 -1.9
Percent of families with directly held bonds By race or ethnicity of respondent
8
Percent
6
4
2
0 1989
1992
1995
1998
2001
2004
2007
2010
Year White, non−Hispanic
Nonwhite or Hispanic
Percent of families with directly held bonds Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 7.2 5.3 3.8 3.7 3.8 2.5 2.1 2.3
Three-year change (percentage points) 1992 -1.9 1995 -1.5 1998 -0.1 2001 0.1 2004 -1.3 2007 -0.4 2010 0.2
1.1 1.2 0.6 0.4 0.4 0.1 0.4 0.2 0.1 -0.6 -0.2 0.0 -0.3 0.3 -0.2
Median value of directly held bonds for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of directly held bonds for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 47.2 42.2 1992 45.5 44.7 1995 41.4 38.2 1998 61.4 18.9 2001 61.3 9.3 2004 92.1 5.8 2007 100.4 24.2 2010 142.0 5.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-3.6 -9.0 48.3 -0.2 50.2 9.0 41.4
5.9 -14.5 -50.5 -50.8 -37.6 317.2 -79.3
Mean value of directly held bonds for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of directly held bonds for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 201.4 75.9 1992 205.6 217.9 1995 261.0 282.4 1998 264.9 74.6 2001 367.4 73.1 2004 637.3 113.3 2007 642.9 113.8 2010 635.7 169.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
2.1 26.9 1.5 38.7 73.5 0.9 -1.1
187.1 29.6 -73.6 -2.0 55.0 0.4 49.3
Percent of families with directly held bonds By current work status of head
10
Percent
8 6 4 2 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with directly held bonds Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
3.9 3.3 2.5 1.9 2.0 0.8 0.9 1.0
Three-year change (percentage points) 1992 -0.6 1995 -0.8 1998 -0.6 2001 0.1 2004 -1.2 2007 0.1 2010 0.1
Other not working
10.4 7.2 5.3 5.4 6.1 4.3 4.2 3.5
8.7 6.2 4.2 5.1 4.5 3.5 2.3 2.6
1.5 0.7 0.3 0.0 0.6 0.5 0.5 0.2
-3.2 -1.9 0.1 0.7 -1.8 -0.1 -0.7
-2.5 -2.0 0.9 -0.6 -1.0 -1.2 0.3
-0.8 -0.4 -0.3 0.6 -0.1 0.0 -0.3
Median value of directly held bonds for families with holdings By current work status of head
Thousands of 2010 dollars
3000 2500 2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of directly held bonds for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 16.9 1992 37.9 1995 25.2 1998 20.0 2001 31.9 2004 28.8 2007 49.1 2010 100.0
59.0 75.8 70.8 200.1 88.1 149.6 157.2 257.4
50.6 48.5 55.2 66.7 61.4 103.6 83.3 140.0
67.5 67.5 124.5 3002.3 46.7 13.4 343.1 213.8
Three-year change (percent) 1992 124.3 1995 -33.5 1998 -20.6 2001 59.5 2004 -9.7 2007 70.5 2010 103.7
28.5 -6.6 182.6 -56.0 69.8 5.1 63.7
-4.2 13.8 20.8 -7.9 68.7 -19.6 68.1
0.0 84.4 2311.5 -98.4 -71.3 2460.4 -37.7
Mean value of directly held bonds for families with holdings By current work status of head
Thousands of 2010 dollars
2500 2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of directly held bonds for families with holdings Year
Employee
Level (thousands of 2010 dollars) 1989 139.5 1992 149.4 1995 141.1 1998 153.6 2001 246.8 2004 391.4 2007 622.6 2010 472.9 Three-year change (percent) 1992 7.1 1995 -5.6 1998 8.9 2001 60.7 2004 58.6 2007 59.1 2010 -24.0
Current work status of head Self-employed Retired
Other not working
287.6 307.6 436.3 497.6 524.5 995.0 758.5 1065.5
208.4 223.6 340.8 232.1 369.3 554.9 450.6 456.7
71.3 126.2 216.9 2638.9 420.8 132.4 895.8 723.4
7.0 41.8 14.0 5.4 89.7 -23.8 40.5
7.3 52.4 -31.9 59.1 50.3 -18.8 1.4
77.0 71.9 1116.6 -84.1 -68.5 576.6 -19.2
Percent of families with directly held bonds By current occupation of head
10
Percent
8 6 4 2 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with directly held bonds Year
Managerial or professional Level (percent) 1989 10.4 1992 8.4 1995 5.8 1998 4.9 2001 5.1 2004 3.1 2007 3.1 2010 2.6
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 -2.0 1995 -2.6 1998 -0.9 2001 0.2 2004 -2.0 2007 0.0 2010 -0.5
Retired or other not working
3.5 2.4 2.5 1.6 1.7 0.3 0.4 0.8
1.6 0.9 1.1 0.8 0.6 0.2 0.3 0.3
7.2 4.9 3.4 4.3 3.8 3.0 2.0 2.1
-1.1 0.1 -0.9 0.1 -1.4 0.1 0.4
-0.7 0.2 -0.3 -0.2 -0.4 0.1 0.0
-2.3 -1.5 0.9 -0.5 -0.8 -1.0 0.1
Median value of directly held bonds for families with holdings By current occupation of head
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of directly held bonds for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 33.7 11.8 16.9 1992 50.0 37.9 30.3 1995 58.8 41.1 12.5 1998 32.9 120.0 10.7 2001 53.3 24.5 36.8 2004 57.5 40.3 11.5 2007 83.8 129.1 1.0 2010 170.0 36.4 1.6 Year
Three-year change (percent) 1992 48.4 1995 17.6 1998 -44.0 2001 62.0 2004 7.9 2007 45.7 2010 102.9
221.2 8.4 192.0 -79.6 64.5 220.3 -71.8
79.3 -58.7 -14.4 243.9 -68.8 -91.3 60.0
Retired or other not working 50.6 48.5 55.2 66.7 61.3 92.1 100.4 141.0 -4.2 13.8 20.8 -8.1 50.2 9.0 40.4
Mean value of directly held bonds for families with holdings By current occupation of head
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of directly held bonds for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 218.3 155.5 92.2 1992 207.1 158.8 222.3 1995 262.1 162.8 174.1 1998 298.9 330.6 68.9 2001 405.0 241.9 69.9 2004 754.1 576.6 7.9 2007 745.9 479.2 41.2 2010 832.8 475.3 58.5 Year
Three-year change (percent) 1992 -5.1 1995 26.6 1998 14.0 2001 35.5 2004 86.2 2007 -1.1 2010 11.7
2.1 2.5 103.1 -26.8 138.4 -16.9 -0.8
141.1 -21.7 -60.4 1.5 -88.7 421.5 42.0
Retired or other not working 202.6 220.1 338.8 233.8 370.6 544.2 467.7 463.4 8.6 53.9 -31.0 58.5 46.8 -14.1 -0.9
Percent of families with directly held bonds By region
8
Percent
6
4
2
0 1989
1992
1995
1998
2001
2004
2007
2010
Year Northeast West
Midwest
South
Percent of families with directly held bonds Region Year Northeast Level (percent) 1989 7.6 1992 5.1 1995 3.6 1998 3.5 2001 4.1 2004 1.9 2007 2.0 2010 2.0
Midwest
South
West
5.9 4.0 3.4 2.1 2.5 1.6 1.2 0.8
4.0 3.9 2.6 2.1 2.9 2.0 1.7 1.5
6.3 4.2 2.9 4.8 2.6 1.7 1.6 2.3
-1.9 -0.6 -1.3 0.4 -0.9 -0.4 -0.4
-0.1 -1.3 -0.5 0.8 -0.9 -0.3 -0.2
-2.1 -1.3 1.9 -2.2 -0.9 -0.1 0.7
Three-year change (percentage points) 1992 -2.5 1995 -1.5 1998 -0.1 2001 0.6 2004 -2.2 2007 0.1 2010 0.0
Median value of directly held bonds for families with holdings By region
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of directly held bonds for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 50.6 1992 48.5 1995 42.5 1998 66.7 2001 104.2 2004 172.6 2007 120.1 2010 104.0 Three-year change (percent) 1992 -4.2 1995 -12.4 1998 56.9 2001 56.2 2004 65.6 2007 -30.4 2010 -13.4
Midwest
South
West
50.6 34.9 47.1 33.3 23.3 74.8 51.6 300.0
33.7 37.9 40.5 69.5 47.7 46.0 104.8 200.0
33.7 60.6 35.4 37.3 20.3 115.1 62.9 100.0
-31.0 35.0 -29.3 -30.0 221.0 -31.0 481.4
12.5 6.9 71.6 -31.4 -3.6 127.8 90.8
79.8 -41.6 5.4 -45.6 467.0 -45.4 59.0
Mean value of directly held bonds for families with holdings By region
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of directly held bonds for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 229.5 1992 263.1 1995 384.6 1998 338.9 2001 382.3 2004 829.1 2007 778.8 2010 526.3 Three-year change (percent) 1992 14.6 1995 46.2 1998 -11.9 2001 12.8 2004 116.9 2007 -6.1 2010 -32.4
Midwest
South
West
162.3 199.3 187.5 227.8 256.5 649.2 464.2 882.4
143.0 184.3 262.3 297.9 430.6 515.9 616.6 705.5
244.3 182.0 217.0 191.4 282.7 634.0 494.3 486.9
22.8 -5.9 21.5 12.6 153.1 -28.5 90.1
28.9 42.3 13.6 44.5 19.8 19.5 14.4
-25.5 19.2 -11.8 47.7 124.3 -22.0 -1.5
Percent of families with directly held bonds By urbanicity
6
Percent
5 4 3 2 1 1989
1992
1995
1998
2001
2004
2007
2010
Year Metropolitan Statistical Area (MSA)
Non−MSA
Percent of families with directly held bonds Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
6.4 4.7 3.4 3.2 3.1 2.0 1.8 1.8
2.5 2.2 1.2 1.7 1.9 0.8 0.8 0.8
Three-year change (percentage points) 1992 -1.7 1995 -1.3 1998 -0.2 2001 -0.1 2004 -1.1 2007 -0.2 2010 0.0
-0.3 -1.0 0.5 0.2 -1.1 0.0 0.0
Median value of directly held bonds for families with holdings By urbanicity
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of directly held bonds for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 48.3 1992 48.5 1995 40.5 1998 66.7 2001 61.3 2004 92.1 2007 104.8 2010 142.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
0.4 -16.5 64.7 -8.1 50.2 13.8 36.1
2010
Non-MSA
16.9 19.7 127.5 4.0 49.0 23.0 52.4 53.1 16.6 547.2 -96.9 1125.0 -53.1 127.8 1.3
Mean value of directly held bonds for families with holdings By urbanicity
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of directly held bonds for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 206.2 1992 223.8 1995 257.0 1998 279.1 2001 369.3 2004 673.7 2007 645.2 2010 616.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
8.5 14.8 8.6 32.3 82.4 -4.2 -4.4
2010
Non-MSA
73.1 46.0 338.9 37.8 227.7 49.0 119.1 596.7 -37.1 636.7 -88.8 502.4 -78.5 143.1 401.0
Percent of families with directly held bonds By housing status
8
Percent
6
4
2
0 1989
1992
1995
1998
2001
2004
2007
2010
Year Owner
Renter or other
Percent of families with directly held bonds Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
7.7 5.9 4.3 3.8 4.0 2.6 2.2 2.3
2.2 1.3 0.9 1.3 0.7 0.2 0.4 0.3
Three-year change (percentage points) 1992 -1.8 1995 -1.6 1998 -0.5 2001 0.2 2004 -1.4 2007 -0.4 2010 0.1
-0.9 -0.4 0.4 -0.6 -0.5 0.2 -0.1
Median value of directly held bonds for families with holdings By housing status
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of directly held bonds for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 47.2 1992 45.5 1995 55.2 1998 55.4 2001 61.3 2004 74.8 2007 104.8 2010 129.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-3.6 21.3 0.4 10.6 22.0 40.1 23.1
Renter or other 33.6 37.9 9.9 66.7 36.3 149.6 15.7 164.0 12.8 -73.9 573.7 -45.6 312.1 -89.5 944.6
2010
Mean value of directly held bonds for families with holdings By housing status
Thousands of 2010 dollars
600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of directly held bonds for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 211.3 1992 211.1 1995 273.5 1998 276.5 2001 378.9 2004 629.0 2007 630.4 2010 623.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-0.1 29.6 1.1 37.0 66.0 0.2 -1.1
Renter or other 93.3 168.6 155.6 161.5 102.2 643.7 255.0 480.6 80.7 -7.7 3.8 -36.7 529.8 -60.4 88.5
2010
Percent of families with directly held bonds By percentile of net worth
30 25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with directly held bonds Year Less than 25 Level (percent) 1989 0.0 1992 0.1 1995 0.2 1998 0.1 2001 0.1 2004 0.0 2007 0.1 2010 0.0
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
1.3 0.7 0.5 0.8 0.3 0.1 0.2 0.2
2.8 2.1 1.4 2.2 1.0 0.2 0.5 0.4
11.0 7.7 4.9 3.4 5.3 3.2 1.5 2.0
29.9 23.8 18.1 16.8 18.3 12.7 11.7 12.0
-0.7 -0.7 0.8 -1.2 -0.8 0.3 -0.1
-3.3 -2.8 -1.5 1.9 -2.1 -1.7 0.5
-6.1 -5.7 -1.3 1.5 -5.6 -1.0 0.3
Three-year change (percentage points) 1992 0.1 -0.6 1995 0.1 -0.2 1998 -0.1 0.3 2001 0.0 -0.5 2004 -0.1 -0.2 2007 0.1 0.1 2010 -0.1 0.0
Median value of directly held bonds for families with holdings By percentile of net worth
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of directly held bonds for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 10.5 4.3 1992 11.6 5.5 1995 0.1 2.9 1998 0.1 3.9 2001 6.7 36.3 2004 . 15.3 2007 1.0 0.1 2010 . 10.0 Three-year change (percent) 1992 10.5 1995 -99.1 1998 0.0 2001 6600.0 2004 . 2007 . 2010 .
27.9 -47.3 34.5 830.8 -57.9 -99.3 9900.0
Percentile of net worth 50-74.9
75-89.9
90-100
11.8 16.7 14.2 13.3 8.7 17.3 19.9 35.3
33.7 30.3 28.3 33.3 24.5 28.8 41.9 50.0
118.1 132.7 99.1 133.4 110.5 127.8 173.8 220.0
41.5 -15.0 -6.3 -34.6 98.9 15.0 77.4
-10.1 -6.6 17.7 -26.4 17.6 45.5 19.3
12.4 -25.3 34.6 -17.2 15.7 36.0 26.6
Mean value of directly held bonds for families with holdings By percentile of net worth
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of directly held bonds for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 10.5 10.6 1992 11.0 13.0 1995 12.5 7.5 1998 0.1 3.3 2001 6.9 35.7 2004 . 18.7 2007 1.0 3.7 2010 . 6.8 Three-year change (percent) 1992 4.8 1995 13.6 1998 -99.2 2001 6800.0 2004 . 2007 . 2010 .
22.6 -42.3 -56.0 981.8 -47.6 -80.2 83.8
Percentile of net worth 50-74.9
75-89.9
90-100
16.2 25.8 22.7 26.3 22.9 17.0 23.3 38.1
43.9 35.3 44.1 63.6 43.1 72.9 53.6 82.1
341.3 345.0 423.5 427.2 555.6 873.3 810.6 816.7
59.3 -12.0 15.9 -12.9 -25.8 37.1 63.5
-19.6 24.9 44.2 -32.2 69.1 -26.5 53.2
1.1 22.8 0.9 30.1 57.2 -7.2 0.8
Percent of families with directly held stocks For all families
21 20
Percent
19 18 17 16 15 1989
1992
1995
1998 2001 Year
2004
Percent of families with directly held stocks Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 16.8 17.0 15.2 19.2 21.3 20.7 17.9 15.1 0.2 -1.8 4.0 2.1 -0.6 -2.8 -2.8
2007
2010
Median value of directly held stocks for families with holdings For all families
Thousands of 2010 dollars
24 22 20 18 16 14 12 1989
1992
1995
1998 2001 Year
2004
2007
Median value of directly held stocks for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 12.6 12.1 12.7 23.3 24.5 17.3 17.8 20.0 -4.0 5.0 83.5 5.2 -29.4 2.9 12.4
2010
Mean value of directly held stocks for families with holdings For all families
Thousands of 2010 dollars
250
200
150
100 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of directly held stocks for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 97.2 101.3 132.2 211.8 235.6 184.5 231.7 209.7 4.2 30.5 60.2 11.2 -21.7 25.6 -9.5
2010
Percent of families with directly held stocks By percentile of income
60 50 Percent
40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Percent of families with directly held stocks Year
Less than 20 Level (percent) 1989 2.1 1992 4.1 1995 2.8 1998 3.7 2001 3.8 2004 5.1 2007 5.5 2010 3.8
20-39.9
9.2 7.9 9.4 9.7 11.2 8.2 7.8 6.0
Three-year change (percentage points) 1992 2.0 -1.3 1995 -1.3 1.5 1998 0.9 0.3 2001 0.1 1.5 2004 1.3 -3.0 2007 0.4 -0.4 2010 -1.7 -1.8
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
12.4 13.4 11.7 17.9 16.4 16.4 14.0 11.7
18.7 21.4 18.0 21.5 26.2 28.1 23.2 17.3
28.7 27.5 27.7 32.7 37.0 35.9 30.5 25.7
54.8 48.7 40.9 53.6 60.6 55.0 47.5 47.8
1.0 -1.7 6.2 -1.5 0.0 -2.4 -2.3
2.7 -3.4 3.5 4.7 1.9 -4.9 -5.9
-1.2 0.2 5.0 4.3 -1.1 -5.4 -4.8
-6.1 -7.8 12.7 7.0 -5.6 -7.5 0.3
Median value of directly held stocks for families with holdings By percentile of income
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of directly held stocks for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 33.7 8.4 1992 7.9 6.1 1995 2.1 8.9 1998 20.0 13.3 2001 9.2 12.3 2004 6.9 9.2 2007 4.0 10.5 2010 20.0 8.0 Three-year change (percent) 1992 -76.6 -27.4 1995 -73.4 45.9 1998 852.4 49.4 2001 -54.0 -7.5 2004 -25.0 -25.2 2007 -42.0 14.1 2010 400.0 -23.8
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
6.7 7.3 9.9 10.0 9.8 13.8 5.8 5.6
8.4 7.6 6.7 20.0 20.8 11.5 14.7 13.0
8.4 8.0 12.0 24.0 24.5 17.3 15.7 14.0
25.3 37.9 27.6 66.7 61.3 67.6 78.6 60.0
9.0 35.6 1.0 -2.0 40.8 -58.0 -3.4
-9.5 -11.8 198.5 4.0 -44.7 27.8 -11.6
-4.8 50.0 100.0 2.1 -29.4 -9.2 -10.8
49.8 -27.2 141.7 -8.1 10.3 16.3 -23.7
Mean value of directly held stocks for families with holdings
Thousands of 2010 dollars
By percentile of income
600
400
200
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of directly held stocks for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 62.3 18.5 1992 22.7 28.6 1995 34.8 48.6 1998 49.9 59.5 2001 27.1 51.1 2004 49.5 35.7 2007 89.7 55.5 2010 142.0 41.8 Three-year change (percent) 1992 -63.6 54.6 1995 53.3 69.9 1998 43.4 22.4 2001 -45.7 -14.1 2004 82.7 -30.1 2007 81.2 55.5 2010 58.3 -24.7
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
40.0 37.3 42.4 50.6 55.4 58.2 53.9 39.2
50.4 37.3 40.2 78.4 105.9 67.2 100.0 74.4
53.5 62.4 82.6 101.6 112.1 77.1 81.1 125.4
206.9 251.4 350.4 571.1 615.1 518.8 652.6 489.4
-6.8 13.7 19.3 9.5 5.1 -7.4 -27.3
-26.0 7.8 95.0 35.1 -36.5 48.8 -25.6
16.6 32.4 23.0 10.3 -31.2 5.2 54.6
21.5 39.4 63.0 7.7 -15.7 25.8 -25.0
Percent of families with directly held stocks By age of head
30
Percent
25
20
15
10 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Percent of families with directly held stocks Year
Less than 35 Level (percent) 1989 11.0 1992 10.8 1995 10.8 1998 13.1 2001 17.4 2004 13.3 2007 13.7 2010 10.1
35-44
16.4 19.4 14.6 18.9 21.6 18.5 17.0 12.1
Three-year change (percentage points) 1992 -0.2 3.0 1995 0.0 -4.8 1998 2.3 4.3 2001 4.3 2.7 2004 -4.1 -3.1 2007 0.4 -1.5 2010 -3.6 -4.9
Age of head 45-54 55-64
65-74
75 or older
22.1 18.7 17.7 22.6 22.0 23.2 18.6 16.0
20.8 22.0 15.0 25.0 26.7 29.1 21.3 19.5
18.6 16.2 18.6 21.1 20.5 25.4 19.1 16.1
18.9 19.4 19.7 18.0 21.8 18.4 20.2 20.1
-3.4 -1.0 4.9 -0.6 1.2 -4.6 -2.6
1.2 -7.0 10.0 1.7 2.4 -7.8 -1.8
-2.4 2.4 2.5 -0.6 4.9 -6.3 -3.0
0.5 0.3 -1.7 3.8 -3.4 1.8 -0.1
Median value of directly held stocks for families with holdings By age of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of directly held stocks for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 5.1 6.1 1992 3.1 6.1 1995 4.2 6.4 1998 6.7 16.0 2001 7.0 18.4 2004 5.0 11.5 2007 3.1 15.7 2010 5.4 10.0 Three-year change (percent) 1992 -39.2 0.0 1995 35.5 4.9 1998 59.5 150.0 2001 4.5 15.0 2004 -28.6 -37.5 2007 -38.0 36.5 2010 74.2 -36.3
Age of head 45-54 55-64
65-74
75 or older
8.4 15.8 14.2 32.0 18.4 16.7 19.4 30.0
33.7 19.7 27.5 28.0 49.0 28.8 25.1 35.0
42.2 22.7 28.3 66.7 104.2 48.3 39.8 48.0
42.2 37.9 25.5 66.7 73.5 57.5 41.9 45.0
88.1 -10.1 125.4 -42.5 -9.2 16.2 54.6
-41.5 39.6 1.8 75.0 -41.2 -12.8 39.4
-46.2 24.7 135.7 56.2 -53.6 -17.6 20.6
-10.2 -32.7 161.6 10.2 -21.8 -27.1 7.4
Mean value of directly held stocks for families with holdings By age of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of directly held stocks for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 22.4 39.6 1992 18.9 34.2 1995 15.6 62.4 1998 49.0 113.7 2001 79.4 101.1 2004 15.8 91.4 2007 25.6 96.4 2010 27.5 94.6 Three-year change (percent) 1992 -15.6 -13.6 1995 -17.5 82.5 1998 214.1 82.2 2001 62.0 -11.1 2004 -80.1 -9.6 2007 62.0 5.5 2010 7.4 -1.9
Age of head 45-54 55-64
65-74
75 or older
87.9 122.8 111.1 171.7 235.8 171.5 236.6 194.5
119.5 154.9 245.4 361.7 366.8 254.4 283.3 278.8
198.6 199.5 213.3 387.1 431.7 372.1 497.8 321.6
194.6 158.2 245.4 325.1 399.6 236.4 383.4 324.4
39.7 -9.5 54.5 37.3 -27.3 38.0 -17.8
29.6 58.4 47.4 1.4 -30.6 11.4 -1.6
0.5 6.9 81.5 11.5 -13.8 33.8 -35.4
-18.7 55.1 32.5 22.9 -40.8 62.2 -15.4
Percent of families with directly held stocks By family structure
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with directly held stocks Year
Single with child(ren)
Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
7.5 8.1 7.4 8.5 6.8 7.7 7.1 6.9
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
12.7 12.1 11.1 14.3 15.3 14.6 18.0 10.7
13.0 15.3 14.2 15.7 17.1 18.2 13.5 11.9
16.8 19.9 15.5 22.9 24.8 23.6 18.9 17.0
27.1 21.6 21.4 24.2 28.3 27.9 24.1 20.9
2.3 -1.1 1.5 1.4 1.1 -4.7 -1.6
3.1 -4.4 7.4 1.9 -1.2 -4.7 -1.9
-5.5 -0.2 2.8 4.1 -0.4 -3.8 -3.2
Three-year change (percentage points) 1992 0.6 -0.6 1995 -0.7 -1.0 1998 1.1 3.2 2001 -1.7 1.0 2004 0.9 -0.7 2007 -0.6 3.4 2010 -0.2 -7.3
Median value of directly held stocks for families with holdings By family structure
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of directly held stocks for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 3.9 8.4 1992 4.7 6.1 1995 3.4 14.2 1998 20.0 13.3 2001 12.3 7.4 2004 6.9 9.8 2007 10.5 4.0 2010 15.0 7.9 Three-year change (percent) 1992 20.5 1995 -27.7 1998 488.2 2001 -38.5 2004 -43.9 2007 52.2 2010 42.9
-27.4 132.8 -6.3 -44.4 32.4 -59.2 97.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
35.4 18.2 28.3 37.3 46.0 31.8 26.2 37.5
8.4 10.6 8.5 20.0 20.8 11.5 15.7 15.0
25.3 19.0 14.2 33.3 36.8 29.9 26.2 33.0
-48.6 55.5 31.8 23.3 -30.9 -17.6 43.1
26.2 -19.8 135.3 4.0 -44.7 36.5 -4.5
-24.9 -25.3 134.5 10.5 -18.8 -12.4 26.0
Mean value of directly held stocks for families with holdings By family structure
Thousands of 2010 dollars
400 300 200 100 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of directly held stocks for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 23.4 50.7 1992 29.7 70.5 1995 36.1 37.7 1998 136.2 86.9 2001 35.3 128.1 2004 70.0 65.4 2007 158.1 54.3 2010 134.2 72.0 Three-year change (percent) 1992 26.9 1995 21.5 1998 277.3 2001 -74.1 2004 98.3 2007 125.9 2010 -15.1
39.1 -46.5 130.5 47.4 -48.9 -17.0 32.6
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
99.0 132.4 234.8 286.7 269.5 137.9 198.7 215.8
72.5 74.0 88.8 144.3 196.6 145.6 192.2 192.1
147.6 144.7 178.7 325.2 311.7 292.1 356.6 275.2
33.7 77.3 22.1 -6.0 -48.8 44.1 8.6
2.1 20.0 62.5 36.2 -25.9 32.0 -0.1
-2.0 23.5 82.0 -4.2 -6.3 22.1 -22.8
Percent of families with directly held stocks By education of head
40
Percent
30
20
10
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with directly held stocks Year
No high school diploma Level (percent) 1989 5.1 1992 4.5 1995 4.5 1998 5.0 2001 5.6 2004 4.7 2007 3.9 2010 2.2
Education of head High school Some college diploma
Three-year change (percentage points) 1992 -0.6 1995 0.0 1998 0.5 2001 0.6 2004 -0.9 2007 -0.8 2010 -1.7
College degree
11.7 11.1 10.7 12.9 13.0 12.4 9.3 8.1
19.5 19.2 13.4 20.6 20.0 17.7 17.4 11.3
31.5 29.4 27.5 31.4 37.1 35.3 31.5 27.2
-0.6 -0.4 2.2 0.1 -0.6 -3.1 -1.2
-0.3 -5.8 7.2 -0.6 -2.3 -0.3 -6.1
-2.1 -1.9 3.9 5.7 -1.8 -3.8 -4.3
Median value of directly held stocks for families with holdings By education of head
Thousands of 2010 dollars
35 30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of directly held stocks for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 11.8 1992 7.3 1995 6.7 1998 7.5 2001 10.7 2004 8.6 2007 2.8 2010 2.7 Three-year change (percent) 1992 -38.1 1995 -8.2 1998 11.9 2001 42.7 2004 -19.6 2007 -67.4 2010 -3.6
Education of head High school Some college diploma
College degree
9.3 7.3 9.2 17.3 10.1 8.6 10.5 9.5
8.4 9.5 8.9 16.0 18.4 13.8 6.3 9.9
16.9 18.2 15.6 33.3 35.5 23.0 26.2 32.0
-21.5 26.0 88.0 -41.6 -14.9 22.1 -9.5
13.1 -6.3 79.8 15.0 -25.0 -54.3 57.1
7.7 -14.3 113.5 6.6 -35.2 13.9 22.1
Mean value of directly held stocks for families with holdings By education of head
Thousands of 2010 dollars
350 300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of directly held stocks for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 62.7 1992 50.8 1995 75.0 1998 53.2 2001 63.7 2004 83.8 2007 142.8 2010 35.1 Three-year change (percent) 1992 -19.0 1995 47.6 1998 -29.1 2001 19.7 2004 31.6 2007 70.4 2010 -75.4
Education of head High school Some college diploma
College degree
41.9 56.7 84.0 147.2 68.5 71.6 145.4 81.4
84.3 78.9 102.6 145.8 154.2 98.9 81.3 74.5
130.3 130.2 166.3 274.1 326.3 244.4 303.1 274.8
35.3 48.1 75.2 -53.5 4.5 103.1 -44.0
-6.4 30.0 42.1 5.8 -35.9 -17.8 -8.4
-0.1 27.7 64.8 19.0 -25.1 24.0 -9.3
Percent of families with directly held stocks By race or ethnicity of respondent
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with directly held stocks Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 21.0 20.6 18.2 22.2 24.7 25.5 21.4 18.6
Three-year change (percentage points) 1992 -0.4 1995 -2.4 1998 4.0 2001 2.5 2004 0.8 2007 -4.1 2010 -2.8
4.6 5.9 5.1 9.1 11.0 8.0 9.4 7.9 1.3 -0.8 4.0 1.9 -3.0 1.4 -1.5
Median value of directly held stocks for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of directly held stocks for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 14.3 3.9 1992 12.1 7.6 1995 13.0 3.4 1998 26.7 11.7 2001 27.0 9.8 2004 20.7 6.1 2007 19.9 8.4 2010 25.0 10.0 Three-year change (percent) 1992 -15.4 1995 7.4 1998 105.4 2001 1.1 2004 -23.3 2007 -3.9 2010 25.6
94.9 -55.3 244.1 -16.2 -37.8 37.7 19.0
Mean value of directly held stocks for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of directly held stocks for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 102.3 27.3 1992 106.2 49.2 1995 136.8 76.7 1998 230.4 60.4 2001 261.5 57.6 2004 200.8 48.7 2007 263.5 57.7 2010 234.4 90.1 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
3.8 28.8 68.4 13.5 -23.2 31.2 -11.0
80.2 55.9 -21.3 -4.6 -15.5 18.5 56.2
Percent of families with directly held stocks By current work status of head
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with directly held stocks Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
16.8 18.3 15.3 19.5 20.9 19.6 17.8 13.8
Three-year change (percentage points) 1992 1.5 1995 -3.0 1998 4.2 2001 1.4 2004 -1.3 2007 -1.8 2010 -4.0
Other not working
24.8 25.7 18.7 26.5 29.8 31.6 24.3 24.5
16.4 14.5 16.6 17.2 19.6 19.0 16.4 15.4
4.8 4.5 3.9 8.3 13.4 14.3 12.8 9.5
0.9 -7.0 7.8 3.3 1.8 -7.3 0.2
-1.9 2.1 0.6 2.4 -0.6 -2.6 -1.0
-0.3 -0.6 4.4 5.1 0.9 -1.5 -3.3
Median value of directly held stocks for families with holdings By current work status of head
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of directly held stocks for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 6.7 1992 7.6 1995 8.1 1998 13.3 2001 13.5 2004 11.5 2007 11.0 2010 12.5
16.9 15.8 25.5 69.4 42.9 28.8 62.9 50.0
35.4 24.9 25.5 62.2 73.5 51.8 30.1 35.0
50.6 12.1 10.6 23.3 9.8 5.8 6.5 11.0
Three-year change (percent) 1992 13.4 1995 6.6 1998 64.2 2001 1.5 2004 -14.8 2007 -4.3 2010 13.6
-6.5 61.4 172.2 -38.2 -32.9 118.4 -20.5
-29.7 2.4 143.9 18.2 -29.5 -41.9 16.3
-76.1 -12.4 119.8 -57.9 -40.8 12.1 69.2
Mean value of directly held stocks for families with holdings By current work status of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of directly held stocks for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 50.4 1992 55.3 1995 86.3 1998 114.4 2001 125.1 2004 110.2 2007 139.8 2010 129.4
173.3 192.2 221.1 400.2 418.1 293.8 514.8 392.1
155.0 155.3 194.9 348.9 396.2 294.4 318.8 240.0
97.5 102.2 45.6 181.0 313.7 137.3 72.6 221.1
Three-year change (percent) 1992 9.7 1995 56.1 1998 32.6 2001 9.4 2004 -11.9 2007 26.9 2010 -7.4
10.9 15.0 81.0 4.5 -29.7 75.2 -23.8
0.2 25.5 79.0 13.6 -25.7 8.3 -24.7
4.8 -55.4 296.9 73.3 -56.2 -47.1 204.5
Percent of families with directly held stocks By current occupation of head
35
Percent
30 25 20 15 10 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with directly held stocks Year
Managerial or professional Level (percent) 1989 30.1 1992 30.1 1995 26.0 1998 29.8 2001 33.1 2004 32.9 2007 28.7 2010 24.3
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 0.0 1995 -4.1 1998 3.8 2001 3.3 2004 -0.2 2007 -4.2 2010 -4.4
Retired or other not working
14.0 16.1 13.4 18.7 18.7 15.6 14.9 10.8
11.3 12.1 10.0 13.5 12.8 13.0 9.9 8.3
14.0 12.1 14.0 15.7 18.6 18.2 15.8 14.1
2.1 -2.7 5.3 0.0 -3.1 -0.7 -4.1
0.8 -2.1 3.5 -0.7 0.2 -3.1 -1.6
-1.9 1.9 1.7 2.9 -0.4 -2.4 -1.7
Median value of directly held stocks for families with holdings By current occupation of head
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of directly held stocks for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 15.0 5.9 6.7 1992 13.6 9.1 5.7 1995 14.2 7.4 5.7 1998 26.7 11.3 10.5 2001 27.0 12.3 7.0 2004 23.0 9.2 5.8 2007 21.0 12.6 4.2 2010 30.0 10.0 5.6 Year
Three-year change (percent) 1992 -9.3 1995 4.4 1998 88.0 2001 1.1 2004 -14.8 2007 -8.7 2010 42.9
54.2 -18.7 52.7 8.8 -25.2 37.0 -20.6
-14.9 0.0 84.2 -33.3 -17.1 -27.6 33.3
Retired or other not working 35.4 24.0 24.1 66.7 68.6 40.3 26.2 30.0 -32.2 0.4 176.8 2.8 -41.3 -35.0 14.5
Mean value of directly held stocks for families with holdings By current occupation of head
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of directly held stocks for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 109.5 54.6 29.0 1992 121.3 64.6 19.2 1995 170.0 75.6 31.3 1998 260.7 121.6 46.3 2001 278.4 101.9 36.3 2004 205.8 123.2 22.3 2007 296.5 123.1 31.3 2010 256.7 112.8 72.9 Year
Three-year change (percent) 1992 10.8 1995 40.1 1998 53.4 2001 6.8 2004 -26.1 2007 44.1 2010 -13.4
18.3 17.0 60.8 -16.2 20.9 -0.1 -8.4
-33.8 63.0 47.9 -21.6 -38.6 40.4 132.9
Retired or other not working 150.9 150.6 186.6 333.7 386.5 275.2 287.6 237.2 -0.2 23.9 78.8 15.8 -28.8 4.5 -17.5
Percent of families with directly held stocks By region
30
Percent
25
20
15
10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with directly held stocks Region Year Northeast Level (percent) 1989 21.8 1992 20.6 1995 19.1 1998 22.6 2001 21.5 2004 27.8 2007 21.4 2010 16.5
Midwest
South
West
17.8 21.2 16.2 19.0 21.5 23.4 17.9 13.8
13.1 12.9 13.9 16.5 19.6 15.4 15.4 13.1
16.8 15.4 12.8 20.8 23.8 20.4 19.2 18.7
3.4 -5.0 2.8 2.5 1.9 -5.5 -4.1
-0.2 1.0 2.6 3.1 -4.2 0.0 -2.3
-1.4 -2.6 8.0 3.0 -3.4 -1.2 -0.5
Three-year change (percentage points) 1992 -1.2 1995 -1.5 1998 3.5 2001 -1.1 2004 6.3 2007 -6.4 2010 -4.9
Median value of directly held stocks for families with holdings By region
Thousands of 2010 dollars
50
40
30
20
10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of directly held stocks for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 15.0 1992 12.1 1995 14.2 1998 26.7 2001 49.0 2004 17.3 2007 18.7 2010 25.0 Three-year change (percent) 1992 -19.3 1995 17.4 1998 88.0 2001 83.5 2004 -64.7 2007 8.1 2010 33.7
Midwest
South
West
13.5 10.6 11.3 14.7 20.8 13.8 14.7 11.0
11.8 9.6 14.2 26.7 21.4 18.4 18.7 20.0
8.4 18.2 12.7 20.0 23.3 20.7 18.9 30.0
-21.5 6.6 30.1 41.5 -33.7 6.5 -25.2
-18.6 47.9 88.0 -19.9 -14.0 1.6 7.0
116.7 -30.2 57.5 16.5 -11.2 -8.7 58.7
Mean value of directly held stocks for families with holdings By region
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of directly held stocks for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 94.8 1992 100.3 1995 147.0 1998 206.6 2001 309.5 2004 202.3 2007 281.8 2010 260.8 Three-year change (percent) 1992 5.8 1995 46.6 1998 40.5 2001 49.8 2004 -34.6 2007 39.3 2010 -7.5
Midwest
South
West
99.2 69.9 117.1 152.6 209.4 118.8 230.0 163.0
93.6 110.6 125.5 276.3 212.7 235.7 206.1 204.8
102.5 139.9 145.4 191.3 233.6 178.4 221.1 213.3
-29.5 67.5 30.3 37.2 -43.3 93.6 -29.1
18.2 13.5 120.2 -23.0 10.8 -12.6 -0.6
36.5 3.9 31.6 22.1 -23.6 23.9 -3.5
Percent of families with directly held stocks By urbanicity
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
2007
Non−MSA
Percent of families with directly held stocks Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
17.9 18.3 16.2 20.2 22.3 22.6 19.4 16.6
12.5 11.2 9.9 13.3 15.3 11.0 10.9 7.9
Three-year change (percentage points) 1992 0.4 1995 -2.1 1998 4.0 2001 2.1 2004 0.3 2007 -3.2 2010 -2.8
2010
-1.3 -1.3 3.4 2.0 -4.3 -0.1 -3.0
Median value of directly held stocks for families with holdings By urbanicity
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of directly held stocks for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 11.8 1992 15.1 1995 13.2 1998 24.0 2001 24.5 2004 19.6 2007 19.9 2010 23.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
28.0 -12.6 81.8 2.1 -20.0 1.5 17.6
2010
Non-MSA
13.5 6.1 9.2 17.3 13.5 9.2 11.5 10.0 -54.8 50.8 88.0 -22.0 -31.9 25.0 -13.0
Mean value of directly held stocks for families with holdings By urbanicity
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of directly held stocks for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 100.0 1992 112.2 1995 141.0 1998 228.5 2001 252.4 2004 197.8 2007 249.6 2010 222.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
12.2 25.7 62.1 10.5 -21.6 26.2 -10.7
2010
Non-MSA
79.9 22.1 49.5 64.3 83.3 51.7 76.3 77.3 -72.3 124.0 29.9 29.5 -37.9 47.6 1.3
Percent of families with directly held stocks By housing status
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with directly held stocks Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
22.7 22.4 19.2 24.9 27.0 25.8 22.4 19.6
6.4 7.4 7.9 8.0 9.3 9.1 8.1 6.0
Three-year change (percentage points) 1992 -0.3 1995 -3.2 1998 5.7 2001 2.1 2004 -1.2 2007 -3.4 2010 -2.8
1.0 0.5 0.1 1.3 -0.2 -1.0 -2.1
2010
Median value of directly held stocks for families with holdings By housing status
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of directly held stocks for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 13.5 1992 15.2 1995 14.2 1998 26.7 2001 28.2 2004 23.0 2007 21.0 2010 26.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
12.6 -6.6 88.0 5.6 -18.4 -8.7 26.2
Renter or other 8.4 4.9 5.2 10.7 7.7 5.2 5.8 5.6 -41.7 6.1 105.8 -28.0 -32.5 11.5 -3.4
2010
Mean value of directly held stocks for families with holdings By housing status
Thousands of 2010 dollars
250
200
150
100
50 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of directly held stocks for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 102.7 1992 111.6 1995 148.5 1998 237.2 2001 256.8 2004 207.9 2007 254.9 2010 231.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
8.7 33.1 59.7 8.3 -19.0 22.6 -9.0
Renter or other 63.1 45.1 60.1 57.7 106.1 35.9 91.3 60.9 -28.5 33.3 -4.0 83.9 -66.2 154.3 -33.3
2010
Percent of families with directly held stocks By percentile of net worth
60
Percent
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with directly held stocks Year Less than 25 Level (percent) 1989 1.6 1992 2.3 1995 2.8 1998 3.2 2001 5.0 2004 3.7 2007 4.3 2010 2.9
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
9.6 8.4 8.7 9.3 9.5 9.3 10.2 5.6
15.4 17.2 13.6 18.9 20.3 20.8 17.2 14.0
30.9 30.9 29.2 36.4 41.1 39.4 31.7 26.8
55.5 53.5 45.6 58.7 64.0 62.9 52.4 54.9
1.8 -3.6 5.3 1.4 0.5 -3.6 -3.2
0.0 -1.7 7.2 4.7 -1.7 -7.7 -4.9
-2.0 -7.9 13.1 5.3 -1.1 -10.5 2.5
Three-year change (percentage points) 1992 0.7 -1.2 1995 0.5 0.3 1998 0.4 0.6 2001 1.8 0.2 2004 -1.3 -0.2 2007 0.6 0.9 2010 -1.4 -4.6
Median value of directly held stocks for families with holdings By percentile of net worth
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of directly held stocks for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 0.3 2.9 1992 0.8 3.0 1995 0.8 2.5 1998 0.9 4.0 2001 1.6 3.9 2004 2.2 4.0 2007 1.1 3.1 2010 1.0 2.5 Three-year change (percent) 1992 166.7 1995 0.0 1998 12.5 2001 77.8 2004 37.5 2007 -50.0 2010 -9.1
3.4 -16.7 60.0 -2.5 2.6 -22.5 -19.4
Percentile of net worth 50-74.9
75-89.9
90-100
5.1 5.7 6.7 10.7 10.1 9.2 6.3 7.0
20.2 15.2 14.2 36.0 30.6 23.0 21.0 25.0
50.6 68.2 70.8 113.4 149.5 126.6 131.0 110.0
11.8 17.5 59.7 -5.6 -8.9 -31.5 11.1
-24.8 -6.6 153.5 -15.0 -24.8 -8.7 19.0
34.8 3.8 60.2 31.8 -15.3 3.5 -16.0
Mean value of directly held stocks for families with holdings By percentile of net worth
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of directly held stocks for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.7 8.5 1992 1.6 6.2 1995 3.9 6.1 1998 2.6 8.5 2001 3.1 9.0 2004 4.0 7.8 2007 3.6 9.1 2010 3.1 5.0 Three-year change (percent) 1992 -5.9 1995 143.8 1998 -33.3 2001 19.2 2004 29.0 2007 -10.0 2010 -13.9
-27.1 -1.6 39.3 5.9 -13.3 16.7 -45.1
Percentile of net worth 50-74.9
75-89.9
90-100
13.8 12.5 15.4 22.4 24.5 17.9 24.0 18.7
46.4 31.2 28.5 55.8 72.5 50.2 55.9 49.0
242.7 281.8 399.7 618.5 690.4 539.8 716.1 527.7
-9.4 23.2 45.5 9.4 -26.9 34.1 -22.1
-32.8 -8.7 95.8 29.9 -30.8 11.4 -12.3
16.1 41.8 54.7 11.6 -21.8 32.7 -26.3
Percent of families with pooled investment funds For all families
18
16
Percent
14
12
10
8 1989
1992
1995
1998 2001 Year
2004
Percent of families with pooled investment funds Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 7.2 10.4 12.3 16.5 17.7 15.0 11.4 8.7 3.2 1.9 4.2 1.2 -2.7 -3.6 -2.7
2007
2010
Median value of pooled investment funds for families with holdings For all families
Thousands of 2010 dollars
80 70 60 50 40 30 20 1989
1992
1995
1998 2001 Year
2004
2007
Median value of pooled investment funds for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 21.9 24.3 28.3 33.3 42.9 46.5 58.7 80.0 11.0 16.5 17.7 28.8 8.4 26.2 36.3
2010
Mean value of pooled investment funds for families with holdings For all families
Thousands of 2010 dollars
400
300
200
100 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of pooled investment funds for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 80.3 76.5 132.9 134.7 160.2 211.7 324.4 388.6 -4.7 73.7 1.4 18.9 32.1 53.2 19.8
2010
Percent of families with pooled investment funds By percentile of income
50
Percent
40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Percent of families with pooled investment funds Year
Less than 20 Level (percent) 1989 0.8 1992 2.3 1995 1.5 1998 3.2 2001 3.6 2004 3.6 2007 3.4 2010 2.1
20-39.9
2.6 6.1 5.2 8.7 9.5 7.6 4.6 3.5
Three-year change (percentage points) 1992 1.5 3.5 1995 -0.8 -0.9 1998 1.7 3.5 2001 0.4 0.8 2004 0.0 -1.9 2007 -0.2 -3.0 2010 -1.3 -1.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
6.4 8.5 9.8 13.8 15.7 12.7 7.1 5.8
7.2 12.9 16.0 20.2 20.6 18.6 14.6 8.8
15.0 16.2 22.0 28.8 29.0 26.2 18.9 14.6
23.1 28.3 36.2 44.3 48.8 39.1 35.5 32.1
2.1 1.3 4.0 1.9 -3.0 -5.6 -1.3
5.7 3.1 4.2 0.4 -2.0 -4.0 -5.8
1.2 5.8 6.8 0.2 -2.8 -7.3 -4.3
5.2 7.9 8.1 4.5 -9.7 -3.6 -3.4
Median value of pooled investment funds for families with holdings By percentile of income
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of pooled investment funds for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 23.6 16.9 1992 25.8 7.6 1995 35.4 11.0 1998 26.7 33.3 2001 25.7 29.4 2004 17.6 28.8 2007 31.4 31.4 2010 38.0 38.1 Three-year change (percent) 1992 9.3 -55.0 1995 37.2 44.7 1998 -24.6 202.7 2001 -3.7 -11.7 2004 -31.5 -2.0 2007 78.4 9.0 2010 21.0 21.3
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
10.1 22.7 15.6 13.3 29.4 26.5 39.3 50.0
16.9 19.0 18.4 24.0 36.8 29.3 36.7 50.0
13.5 33.4 32.6 26.7 34.3 38.5 48.2 65.5
38.8 40.9 70.8 80.0 107.2 143.8 188.6 200.0
124.8 -31.3 -14.7 121.1 -9.9 48.3 27.2
12.4 -3.2 30.4 53.3 -20.4 25.3 36.2
147.4 -2.4 -18.1 28.5 12.2 25.2 35.9
5.4 73.1 13.0 34.0 34.1 31.2 6.0
Mean value of pooled investment funds for families with holdings By percentile of income
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of pooled investment funds for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 25.8 34.9 1992 36.2 35.0 1995 55.6 79.7 1998 39.0 71.7 2001 79.0 55.9 2004 89.1 75.2 2007 108.8 69.9 2010 214.2 125.1 Three-year change (percent) 1992 40.3 0.3 1995 53.6 127.7 1998 -29.9 -10.0 2001 102.6 -22.0 2004 12.8 34.5 2007 22.1 -7.0 2010 96.9 79.0
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
30.1 45.5 81.2 50.6 79.1 85.2 116.2 143.5
53.1 47.9 83.6 85.3 89.8 119.4 143.8 183.6
31.5 67.8 100.3 82.6 113.6 108.2 131.3 181.9
171.1 150.3 245.7 304.6 351.9 526.3 766.7 763.6
51.2 78.5 -37.7 56.3 7.7 36.4 23.5
-9.8 74.5 2.0 5.3 33.0 20.4 27.7
115.2 47.9 -17.6 37.5 -4.8 21.3 38.5
-12.2 63.5 24.0 15.5 49.6 45.7 -0.4
Percent of families with pooled investment funds By age of head
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Percent of families with pooled investment funds Year
Less than 35 Level (percent) 1989 2.0 1992 5.2 1995 8.0 1998 12.2 2001 11.5 2004 8.3 2007 5.3 2010 3.6
35-44
7.6 10.0 11.2 16.0 17.5 12.3 11.6 7.7
Three-year change (percentage points) 1992 3.2 2.4 1995 2.8 1.2 1998 4.2 4.8 2001 -0.7 1.5 2004 -3.2 -5.2 2007 -3.0 -0.7 2010 -1.7 -3.9
Age of head 45-54 55-64
65-74
75 or older
9.6 9.4 16.3 23.0 20.2 18.2 12.6 9.6
10.2 15.9 16.3 15.2 21.3 20.6 14.3 11.3
9.4 14.3 15.0 18.0 19.9 18.6 14.6 11.1
11.3 14.4 10.3 15.1 19.5 16.6 13.2 11.9
-0.2 6.9 6.7 -2.8 -2.0 -5.6 -3.0
5.7 0.4 -1.1 6.1 -0.7 -6.3 -3.0
4.9 0.7 3.0 1.9 -1.3 -4.0 -3.5
3.1 -4.1 4.8 4.4 -2.9 -3.4 -1.3
Median value of pooled investment funds for families with holdings By age of head
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of pooled investment funds for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 2.0 6.7 1992 3.8 26.5 1995 7.8 14.2 1998 9.3 18.7 2001 11.0 21.4 2004 9.2 18.3 2007 18.9 23.6 2010 8.5 41.0 Three-year change (percent) 1992 90.0 295.5 1995 105.3 -46.4 1998 19.2 31.7 2001 18.3 14.4 2004 -16.4 -14.5 2007 105.4 29.0 2010 -55.0 73.7
Age of head 45-54 55-64
65-74
75 or older
20.2 22.7 29.7 40.0 47.1 57.5 52.4 110.0
42.2 37.9 79.3 77.4 73.5 86.3 117.3 110.0
27.8 42.4 77.9 80.0 85.8 69.0 90.1 115.0
50.6 31.8 70.8 78.7 85.8 69.0 78.6 120.0
12.4 30.8 34.7 17.8 22.1 -8.9 109.9
-10.2 109.2 -2.4 -5.0 17.4 35.9 -6.2
52.5 83.7 2.7 7.2 -19.6 30.6 27.6
-37.2 122.6 11.2 9.0 -19.6 13.9 52.7
Mean value of pooled investment funds for families with holdings By age of head
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of pooled investment funds for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 7.0 41.5 1992 11.5 52.4 1995 20.9 58.9 1998 25.0 99.1 2001 39.8 91.9 2004 29.0 201.2 2007 68.5 146.6 2010 47.9 190.5 Three-year change (percent) 1992 64.3 26.3 1995 81.7 12.4 1998 19.6 68.3 2001 59.2 -7.3 2004 -27.1 118.9 2007 136.2 -27.1 2010 -30.1 29.9
Age of head 45-54 55-64
65-74
75 or older
95.3 59.7 133.4 129.1 179.5 213.9 287.5 345.1
93.0 131.1 188.1 234.4 231.1 335.1 558.6 572.0
77.2 103.6 242.2 258.1 228.7 210.8 527.6 455.8
147.3 79.3 234.0 151.1 237.0 194.6 265.2 525.6
-37.4 123.5 -3.2 39.0 19.2 34.4 20.0
41.0 43.5 24.6 -1.4 45.0 66.7 2.4
34.2 133.8 6.6 -11.4 -7.8 150.3 -13.6
-46.2 195.1 -35.4 56.8 -17.9 36.3 98.2
Percent of families with pooled investment funds By family structure
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with pooled investment funds Year
Single with child(ren)
Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
3.5 4.3 5.6 7.2 5.9 6.3 6.8 3.0
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
4.7 5.4 9.0 13.3 13.0 11.9 8.9 5.0
7.2 12.6 8.7 12.4 16.3 16.2 10.8 9.5
6.5 10.3 14.1 18.3 20.5 14.7 12.0 9.1
12.1 15.3 17.0 22.5 22.2 20.7 14.4 12.4
5.4 -3.9 3.7 3.9 -0.1 -5.4 -1.3
3.8 3.8 4.2 2.2 -5.8 -2.7 -2.9
3.2 1.7 5.5 -0.3 -1.5 -6.3 -2.0
Three-year change (percentage points) 1992 0.8 0.7 1995 1.3 3.6 1998 1.6 4.3 2001 -1.3 -0.3 2004 0.4 -1.1 2007 0.5 -3.0 2010 -3.8 -3.9
Median value of pooled investment funds for families with holdings By family structure
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of pooled investment funds for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 16.9 5.1 1992 27.3 15.2 1995 22.7 7.8 1998 23.3 18.7 2001 36.8 24.5 2004 10.4 23.0 2007 48.2 16.8 2010 28.0 21.0 Three-year change (percent) 1992 61.5 1995 -16.8 1998 2.6 2001 57.9 2004 -71.7 2007 363.5 2010 -41.9
198.0 -48.7 139.7 31.0 -6.1 -27.0 25.0
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
28.7 37.9 106.2 86.7 61.3 71.9 80.7 120.0
15.2 15.2 21.2 21.3 30.6 31.6 52.4 75.0
30.5 30.3 42.5 40.0 64.3 69.0 65.5 90.0
32.1 180.2 -18.4 -29.3 17.3 12.2 48.7
0.0 39.5 0.5 43.7 3.3 65.8 43.1
-0.7 40.3 -5.9 60.8 7.3 -5.1 37.4
Mean value of pooled investment funds for families with holdings
Thousands of 2010 dollars
By family structure
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of pooled investment funds for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 43.4 87.4 1992 51.9 35.1 1995 73.1 40.8 1998 128.2 66.5 2001 131.1 133.2 2004 144.2 96.4 2007 152.7 122.4 2010 215.4 154.0 Three-year change (percent) 1992 19.6 1995 40.8 1998 75.4 2001 2.3 2004 10.0 2007 5.9 2010 41.1
-59.8 16.2 63.0 100.3 -27.6 27.0 25.8
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
49.5 92.6 189.6 169.2 164.0 141.1 261.7 354.0
48.2 59.9 105.9 103.0 115.2 261.9 271.1 338.2
125.2 95.7 182.4 183.8 214.8 247.4 503.2 519.7
87.1 104.8 -10.8 -3.1 -14.0 85.5 35.3
24.3 76.8 -2.7 11.8 127.3 3.5 24.8
-23.6 90.6 0.8 16.9 15.2 103.4 3.3
Percent of families with pooled investment funds By education of head
30
Percent
25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with pooled investment funds Year
No high school diploma Level (percent) 1989 2.2 1992 2.6 1995 3.6 1998 3.0 2001 2.5 2004 2.3 2007 2.2 2010 0.9
Education of head High school Some college diploma
Three-year change (percentage points) 1992 0.4 1995 1.0 1998 -0.6 2001 -0.5 2004 -0.2 2007 -0.1 2010 -1.3
College degree
5.4 7.1 7.6 10.5 12.1 9.2 5.8 3.2
6.4 11.2 10.8 15.6 14.6 12.6 8.9 5.4
14.2 18.1 23.4 29.5 31.6 26.1 21.4 17.6
1.7 0.5 2.9 1.6 -2.9 -3.4 -2.6
4.8 -0.4 4.8 -1.0 -2.0 -3.7 -3.5
3.9 5.3 6.1 2.1 -5.5 -4.7 -3.8
Median value of pooled investment funds for families with holdings By education of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of pooled investment funds for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 20.2 1992 19.7 1995 22.0 1998 24.0 2001 41.7 2004 8.3 2007 67.1 2010 21.0 Three-year change (percent) 1992 -2.5 1995 11.7 1998 9.1 2001 73.8 2004 -80.1 2007 708.4 2010 -68.7
Education of head High school Some college diploma
College degree
16.9 19.0 16.6 29.3 24.5 28.6 31.4 62.0
10.1 22.7 22.9 24.0 46.0 46.0 26.2 35.0
27.0 30.3 36.8 40.0 49.0 61.0 78.6 101.0
12.4 -12.6 76.5 -16.4 16.7 9.8 97.5
124.8 0.9 4.8 91.7 0.0 -43.0 33.6
12.2 21.5 8.7 22.5 24.5 28.9 28.5
Mean value of pooled investment funds for families with holdings By education of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of pooled investment funds for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 51.1 1992 91.5 1995 58.3 1998 81.7 2001 127.2 2004 75.5 2007 244.3 2010 272.6 Three-year change (percent) 1992 79.1 1995 -36.3 1998 40.1 2001 55.7 2004 -40.6 2007 223.6 2010 11.6
Education of head High school Some college diploma
College degree
52.3 56.1 75.6 96.6 90.0 74.7 134.9 160.9
30.7 59.3 189.1 108.7 136.2 134.6 131.4 208.1
109.0 88.6 143.0 158.1 192.7 275.6 416.7 453.9
7.3 34.8 27.8 -6.8 -17.0 80.6 19.3
93.2 218.9 -42.5 25.3 -1.2 -2.4 58.4
-18.7 61.4 10.6 21.9 43.0 51.2 8.9
Percent of families with pooled investment funds By race or ethnicity of respondent
20
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with pooled investment funds Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 9.3 12.8 14.8 18.9 21.0 18.9 13.7 11.6
Three-year change (percentage points) 1992 3.5 1995 2.0 1998 4.1 2001 2.1 2004 -2.1 2007 -5.2 2010 -2.1
1.0 3.2 3.6 8.3 7.4 5.0 5.8 2.6 2.2 0.4 4.7 -0.9 -2.4 0.8 -3.2
Median value of pooled investment funds for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of pooled investment funds for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 20.2 33.7 1992 24.3 24.3 1995 29.7 9.1 1998 40.0 13.3 2001 49.0 21.4 2004 51.8 20.7 2007 67.1 31.4 2010 91.0 50.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
20.3 22.2 34.7 22.5 5.7 29.5 35.6
-27.9 -62.6 46.2 60.9 -3.3 51.7 59.2
Mean value of pooled investment funds for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of pooled investment funds for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 81.3 50.1 1992 78.7 48.9 1995 138.6 51.4 1998 146.1 49.3 2001 171.2 66.0 2004 220.0 129.6 2007 362.7 107.9 2010 394.6 333.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-3.2 76.1 5.4 17.2 28.5 64.9 8.8
-2.4 5.1 -4.1 33.9 96.4 -16.7 208.6
Percent of families with pooled investment funds By current work status of head
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with pooled investment funds Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
6.4 10.3 12.4 16.6 17.3 13.5 10.4 8.1
Three-year change (percentage points) 1992 3.9 1995 2.1 1998 4.2 2001 0.7 2004 -3.8 2007 -3.1 2010 -2.3
Other not working
11.9 14.7 19.0 24.8 22.9 22.3 21.4 14.9
8.8 11.5 11.5 14.8 17.3 16.2 11.3 8.9
1.0 2.0 4.4 4.8 11.0 10.2 2.4 2.8
2.8 4.3 5.8 -1.9 -0.6 -0.9 -6.5
2.7 0.0 3.3 2.5 -1.1 -4.9 -2.4
1.0 2.4 0.4 6.2 -0.8 -7.8 0.4
Median value of pooled investment funds for families with holdings By current work status of head
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of pooled investment funds for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 8.4 1992 18.2 1995 18.4 1998 21.3 2001 24.5 2004 28.8 2007 44.0 2010 50.0
35.4 37.9 35.4 53.4 120.1 69.0 83.8 103.6
38.8 37.9 70.8 73.4 85.8 86.3 81.9 120.0
10.0 16.1 32.6 23.3 49.0 18.3 52.4 120.0
Three-year change (percent) 1992 116.7 1995 1.1 1998 15.8 2001 15.0 2004 17.6 2007 52.8 2010 13.6
7.1 -6.6 50.8 124.9 -42.5 21.4 23.6
-2.3 86.8 3.7 16.9 0.6 -5.1 46.5
61.0 102.5 -28.5 110.3 -62.7 186.3 129.0
Mean value of pooled investment funds for families with holdings By current work status of head
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of pooled investment funds for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 48.7 1992 53.5 1995 87.5 1998 89.8 2001 100.1 2004 131.3 2007 213.3 2010 309.3
175.0 135.3 189.8 224.7 319.7 389.5 561.9 568.8
77.3 86.0 211.2 189.1 222.0 268.1 382.4 433.5
13.4 116.6 96.6 116.7 75.9 133.6 262.1 175.8
Three-year change (percent) 1992 9.9 1995 63.6 1998 2.6 2001 11.5 2004 31.2 2007 62.5 2010 45.0
-22.7 40.3 18.4 42.3 21.8 44.3 1.2
11.3 145.6 -10.5 17.4 20.8 42.6 13.4
770.1 -17.2 20.8 -35.0 76.0 96.2 -32.9
Percent of families with pooled investment funds By current occupation of head
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with pooled investment funds Year
Managerial or professional Level (percent) 1989 13.1 1992 18.5 1995 22.5 1998 28.5 2001 29.9 2004 24.3 2007 19.7 2010 16.0
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 5.4 1995 4.0 1998 6.0 2001 1.4 2004 -5.6 2007 -4.6 2010 -3.7
Retired or other not working
4.6 8.2 10.4 13.3 12.4 9.7 8.8 5.8
4.5 6.1 8.9 11.6 9.9 8.1 5.4 3.1
7.1 9.2 10.0 13.1 16.3 15.3 9.9 7.6
3.6 2.2 2.9 -0.9 -2.7 -0.9 -3.0
1.6 2.8 2.7 -1.7 -1.8 -2.7 -2.3
2.1 0.8 3.1 3.2 -1.0 -5.4 -2.3
Median value of pooled investment funds for families with holdings By current occupation of head
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of pooled investment funds for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 20.2 5.1 11.8 1992 24.3 21.2 13.3 1995 32.6 19.8 12.3 1998 40.0 14.7 16.0 2001 42.9 27.6 14.7 2004 46.5 28.6 23.0 2007 78.6 41.9 18.9 2010 100.0 54.9 9.0 Year
Three-year change (percent) 1992 20.3 1995 34.2 1998 22.7 2001 7.2 2004 8.4 2007 69.0 2010 27.2
315.7 -6.6 -25.8 87.8 3.6 46.5 31.0
12.7 -7.5 30.1 -8.1 56.5 -17.8 -52.4
Retired or other not working 33.7 37.9 70.8 73.4 79.6 75.7 81.9 120.0 12.5 86.8 3.7 8.4 -4.9 8.2 46.5
Mean value of pooled investment funds for families with holdings By current occupation of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of pooled investment funds for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 87.7 116.5 37.9 1992 76.8 89.9 24.6 1995 136.6 122.8 38.2 1998 163.3 85.6 49.3 2001 185.8 99.1 52.9 2004 247.8 130.0 64.6 2007 416.4 147.0 46.4 2010 457.8 222.7 118.6 Year
Three-year change (percent) 1992 -12.4 1995 77.9 1998 19.5 2001 13.8 2004 33.4 2007 68.0 2010 9.9
-22.8 36.6 -30.3 15.8 31.2 13.1 51.5
-35.1 55.3 29.1 7.3 22.1 -28.2 155.6
Retired or other not working 75.4 87.6 201.1 184.5 206.0 254.1 377.9 413.4 16.2 129.6 -8.3 11.7 23.3 48.7 9.4
Percent of families with pooled investment funds By region
20
Percent
15
10
5 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with pooled investment funds Region Year Northeast Level (percent) 1989 8.2 1992 12.4 1995 13.1 1998 20.1 2001 20.5 2004 18.8 2007 15.5 2010 11.7
Midwest
South
West
10.3 12.0 14.1 16.4 18.9 15.2 10.6 7.2
3.8 8.1 10.5 13.7 15.3 12.6 9.7 7.2
8.4 10.5 12.5 17.9 17.7 15.6 11.5 10.4
1.7 2.1 2.3 2.5 -3.7 -4.6 -3.4
4.3 2.4 3.2 1.6 -2.7 -2.9 -2.5
2.1 2.0 5.4 -0.2 -2.1 -4.1 -1.1
Three-year change (percentage points) 1992 4.2 1995 0.7 1998 7.0 2001 0.4 2004 -1.7 2007 -3.3 2010 -3.8
Median value of pooled investment funds for families with holdings By region
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of pooled investment funds for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 21.6 1992 21.7 1995 35.4 1998 40.0 2001 49.0 2004 57.5 2007 52.4 2010 110.0 Three-year change (percent) 1992 0.5 1995 63.1 1998 13.0 2001 22.5 2004 17.3 2007 -8.9 2010 109.9
Midwest
South
West
16.9 24.3 21.2 33.3 39.2 51.8 39.3 52.0
40.5 27.3 22.7 30.7 52.7 51.8 73.3 87.5
23.6 24.3 40.8 29.3 34.7 29.9 61.6 75.0
43.8 -12.8 57.1 17.7 32.1 -24.1 32.3
-32.6 -16.8 35.2 71.7 -1.7 41.5 19.4
3.0 67.9 -28.2 18.4 -13.8 106.0 21.8
Mean value of pooled investment funds for families with holdings By region
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of pooled investment funds for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 79.3 1992 78.7 1995 174.9 1998 137.4 2001 171.5 2004 213.4 2007 340.1 2010 448.7 Three-year change (percent) 1992 -0.8 1995 122.2 1998 -21.4 2001 24.8 2004 24.4 2007 59.4 2010 31.9
Midwest
South
West
56.4 92.1 83.8 130.2 122.9 206.2 304.6 313.8
111.5 66.5 106.8 140.2 186.6 231.7 348.1 386.4
92.9 65.7 190.8 129.7 153.0 188.7 292.4 387.6
63.3 -9.0 55.4 -5.6 67.8 47.7 3.0
-40.4 60.6 31.3 33.1 24.2 50.2 11.0
-29.3 190.4 -32.0 18.0 23.3 55.0 32.6
Percent of families with pooled investment funds By urbanicity
20
Percent
15
10
5 1989
1992
1995
1998 2001 Year
2004
2007
Metropolitan Statistical Area (MSA)
Non−MSA
Percent of families with pooled investment funds Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
7.7 11.3 13.1 17.8 18.1 16.4 12.1 9.6
5.2 6.3 7.9 8.8 15.0 8.5 7.7 4.5
Three-year change (percentage points) 1992 3.6 1995 1.8 1998 4.7 2001 0.3 2004 -1.7 2007 -4.3 2010 -2.5
2010
1.1 1.6 0.9 6.2 -6.5 -0.8 -3.2
Median value of pooled investment funds for families with holdings By urbanicity
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of pooled investment funds for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 22.4 1992 25.8 1995 29.7 1998 33.3 2001 42.9 2004 57.5 2007 62.9 2010 91.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
15.2 15.1 12.1 28.8 34.0 9.4 44.7
2010
Non-MSA
16.9 18.2 14.6 16.0 24.5 28.8 35.6 40.0 7.7 -19.8 9.6 53.1 17.6 23.6 12.4
Mean value of pooled investment funds for families with holdings By urbanicity
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of pooled investment funds for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 86.0 1992 79.6 1995 142.3 1998 140.1 2001 166.9 2004 225.9 2007 352.4 2010 414.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-7.4 78.8 -1.5 19.1 35.4 56.0 17.7
2010
Non-MSA
44.2 51.9 42.4 71.9 110.3 78.7 110.3 118.7 17.4 -18.3 69.6 53.4 -28.6 40.2 7.6
Percent of families with pooled investment funds By housing status
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with pooled investment funds Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
10.0 13.8 16.0 21.0 22.7 19.2 15.0 11.4
2.3 4.4 5.5 7.5 7.1 5.7 3.5 3.1
Three-year change (percentage points) 1992 3.8 1995 2.2 1998 5.0 2001 1.7 2004 -3.5 2007 -4.2 2010 -3.6
2.1 1.1 2.0 -0.4 -1.4 -2.2 -0.4
2010
Median value of pooled investment funds for families with holdings By housing status
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of pooled investment funds for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 23.8 1992 27.3 1995 31.2 1998 40.0 2001 49.0 2004 57.5 2007 62.9 2010 100.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
14.7 14.3 28.2 22.5 17.3 9.4 59.0
Renter or other 3.4 15.2 14.2 16.0 12.3 11.5 41.9 20.0 347.1 -6.6 12.7 -23.1 -6.5 264.3 -52.3
2010
Mean value of pooled investment funds for families with holdings By housing status
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of pooled investment funds for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 87.4 1992 82.9 1995 137.1 1998 150.1 2001 175.2 2004 231.6 2007 345.1 2010 417.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-5.1 65.4 9.5 16.7 32.2 49.0 20.9
Renter or other 25.7 41.2 110.5 50.9 59.9 62.7 127.6 170.9 60.3 168.2 -53.9 17.7 4.7 103.5 33.9
2010
Percent of families with pooled investment funds By percentile of net worth
60 50
Percent
40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with pooled investment funds Year Less than 25 Level (percent) 1989 0.2 1992 0.6 1995 1.9 1998 2.1 2001 2.5 2004 2.0 2007 1.0 2010 0.7
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
3.1 4.3 5.2 8.7 7.3 7.2 3.6 2.1
6.7 10.2 11.4 15.3 17.5 12.5 10.4 6.1
11.9 21.5 23.5 35.5 35.9 32.7 22.8 15.5
29.4 34.2 41.7 46.3 54.5 47.0 42.2 41.8
3.5 1.2 3.9 2.2 -5.0 -2.1 -4.3
9.6 2.0 12.0 0.4 -3.2 -9.9 -7.3
4.8 7.5 4.6 8.2 -7.5 -4.8 -0.4
Three-year change (percentage points) 1992 0.4 1.2 1995 1.3 0.9 1998 0.2 3.5 2001 0.4 -1.4 2004 -0.5 -0.1 2007 -1.0 -3.6 2010 -0.3 -1.5
Median value of pooled investment funds for families with holdings By percentile of net worth
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of pooled investment funds for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 2.2 2.7 1992 2.1 6.2 1995 2.8 5.0 1998 2.0 8.0 2001 2.5 6.1 2004 2.3 8.5 2007 2.6 9.4 2010 1.5 5.0 Three-year change (percent) 1992 -4.5 1995 33.3 1998 -28.6 2001 25.0 2004 -8.0 2007 13.0 2010 -42.3
129.6 -19.4 60.0 -23.8 39.3 10.6 -46.8
Percentile of net worth 50-74.9
75-89.9
90-100
10.1 13.6 14.2 18.7 18.4 18.4 26.2 20.5
22.1 24.3 29.7 47.1 46.6 59.8 52.4 60.0
50.6 75.8 114.7 146.7 182.6 189.9 276.6 245.0
34.7 4.4 31.7 -1.6 0.0 42.4 -21.8
10.0 22.2 58.6 -1.1 28.3 -12.4 14.5
49.8 51.3 27.9 24.5 4.0 45.7 -11.4
Mean value of pooled investment funds for families with holdings By percentile of net worth
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of pooled investment funds for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 2.6 6.9 1992 3.5 9.0 1995 3.2 8.4 1998 5.4 12.5 2001 3.5 13.6 2004 3.4 11.8 2007 3.6 14.6 2010 3.5 8.8 Three-year change (percent) 1992 34.6 1995 -8.6 1998 68.8 2001 -35.2 2004 -2.9 2007 5.9 2010 -2.8
30.4 -6.7 48.8 8.8 -13.2 23.7 -39.7
Percentile of net worth 50-74.9
75-89.9
90-100
16.2 18.8 25.6 31.8 32.5 36.3 39.6 32.4
35.6 41.8 53.3 75.1 81.4 95.6 96.1 106.2
164.7 176.0 326.8 360.4 407.3 548.7 770.0 737.8
16.0 36.2 24.2 2.2 11.7 9.1 -18.2
17.4 27.5 40.9 8.4 17.4 0.5 10.5
6.9 85.7 10.3 13.0 34.7 40.3 -4.2
Percent of families with cash value life insurance For all families
35
Percent
30
25
20 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with cash value life insurance All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
35.5 34.9 32.0 29.6 28.0 24.2 23.0 19.7 -0.6 -2.9 -2.4 -1.6 -3.8 -1.2 -3.3
2007
2010
Median value of cash value life insurance for families with holdings For all families
Thousands of 2010 dollars
12
10
8
6
4 1989
1992
1995
1998 2001 Year
2004
2007
Median value of cash value life insurance for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 5.1 4.7 7.1 9.7 12.3 6.9 8.4 7.3 -7.8 51.1 36.6 26.8 -43.9 21.7 -13.1
2010
Mean value of cash value life insurance for families with holdings For all families
Thousands of 2010 dollars
45 40 35 30 25 20 15 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of cash value life insurance for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 18.3 17.8 29.0 38.4 44.2 26.5 32.7 28.4 -2.7 62.9 32.4 15.1 -40.0 23.4 -13.1
2010
Percent of families with cash value life insurance By percentile of income
60
Percent
50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with cash value life insurance Percentile of income Year Less than 20-39.9 40-59.9 60-79.9 80-89.9 20 Level (percent) 1989 13.3 26.3 34.4 48.6 50.9 1992 15.9 25.7 34.8 45.1 50.1 1995 15.6 26.5 29.0 40.2 46.0 1998 16.6 22.2 27.7 34.7 44.3 2001 13.8 24.7 25.6 35.7 38.6 2004 14.0 19.0 24.4 29.7 29.6 2007 12.8 16.4 21.6 29.4 30.6 2010 10.7 17.2 19.5 22.8 25.8 Three-year change (percentage points) 1992 2.6 -0.6 1995 -0.3 0.8 1998 1.0 -4.3 2001 -2.8 2.5 2004 0.2 -5.7 2007 -1.2 -2.6 2010 -2.1 0.8
0.4 -5.8 -1.3 -2.1 -1.2 -2.8 -2.1
-3.5 -4.9 -5.5 1.0 -6.0 -0.3 -6.6
2010
-0.8 -4.1 -1.7 -5.7 -9.0 1.0 -4.8
90-100
58.8 55.7 51.2 49.0 41.8 38.1 38.9 30.9 -3.1 -4.5 -2.2 -7.2 -3.7 0.8 -8.0
Median value of cash value life insurance for families with holdings By percentile of income
Thousands of 2010 dollars
30 25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of cash value life insurance for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 1.5 3.4 1992 1.5 2.8 1995 2.3 4.2 1998 5.3 6.7 2001 4.4 7.6 2004 3.2 4.3 2007 2.6 5.2 2010 3.1 4.2 Three-year change (percent) 1992 0.0 -17.6 1995 53.3 50.0 1998 130.4 59.5 2001 -17.0 13.4 2004 -27.3 -43.4 2007 -18.8 20.9 2010 19.2 -19.2
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
3.4 3.5 5.0 5.6 8.6 5.8 5.4 5.0
5.5 5.2 8.5 10.0 14.7 8.1 10.4 7.5
7.6 7.6 13.0 13.3 12.3 11.5 9.4 10.0
16.9 15.2 14.2 24.0 29.4 23.0 29.4 30.0
2.9 42.9 12.0 53.6 -32.6 -6.9 -7.4
-5.5 63.5 17.6 47.0 -44.9 28.4 -27.9
0.0 71.1 2.3 -7.5 -6.5 -18.3 6.4
-10.1 -6.6 69.0 22.5 -21.8 27.8 2.0
Mean value of cash value life insurance for families with holdings By percentile of income
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of cash value life insurance for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 8.8 7.5 1992 5.0 11.7 1995 9.3 15.4 1998 9.7 17.0 2001 11.4 18.7 2004 12.9 8.5 2007 11.3 22.4 2010 13.1 11.7 Three-year change (percent) 1992 -43.2 56.0 1995 86.0 31.6 1998 4.3 10.4 2001 17.5 10.0 2004 13.2 -54.5 2007 -12.4 163.5 2010 15.9 -47.8
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
8.8 13.4 18.3 24.9 32.9 12.8 19.8 18.8
14.4 13.9 27.3 37.2 45.3 20.0 21.4 21.8
18.7 19.8 35.8 52.8 53.2 22.8 26.0 29.7
49.6 40.7 64.0 81.5 99.8 85.3 92.4 78.2
52.3 36.6 36.1 32.1 -61.1 54.7 -5.1
-3.5 96.4 36.3 21.8 -55.8 7.0 1.9
5.9 80.8 47.5 0.8 -57.1 14.0 14.2
-17.9 57.2 27.3 22.5 -14.5 8.3 -15.4
Percent of families with cash value life insurance By age of head
50
Percent
40
30
20
10 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with cash value life insurance Age of head Year Less than 35-44 45-54 55-64 65-74 35 Level (percent) 1989 24.8 41.3 41.2 43.3 38.7 1992 25.5 36.0 38.5 42.3 39.4 1995 22.8 29.3 38.4 37.4 37.5 1998 18.0 29.0 32.9 35.8 39.1 2001 15.0 27.0 31.1 35.7 36.7 2004 11.0 20.1 26.0 32.1 34.8 2007 11.4 17.5 22.3 35.2 34.4 2010 9.6 12.3 19.8 25.7 28.4 Three-year change (percentage points) 1992 0.7 -5.3 1995 -2.7 -6.7 1998 -4.8 -0.3 2001 -3.0 -2.0 2004 -4.0 -6.9 2007 0.4 -2.6 2010 -1.8 -5.2
-2.7 -0.1 -5.5 -1.8 -5.1 -3.7 -2.5
-1.0 -4.9 -1.6 -0.1 -3.6 3.1 -9.5
2010
0.7 -1.9 1.6 -2.4 -1.9 -0.4 -6.0
75 or older
28.7 34.9 35.8 32.6 33.3 34.0 27.6 32.4 6.2 0.9 -3.2 0.7 0.7 -6.4 4.8
Median value of cash value life insurance for families with holdings By age of head
Thousands of 2010 dollars
14 12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of cash value life insurance for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 3.0 5.6 1992 2.8 5.2 1995 5.0 7.5 1998 3.6 11.3 2001 12.3 11.0 2004 3.5 5.8 2007 2.9 8.7 2010 2.1 5.0 Three-year change (percent) 1992 -6.7 -7.1 1995 78.6 44.2 1998 -28.0 50.7 2001 241.7 -2.7 2004 -71.5 -47.3 2007 -17.1 50.0 2010 -27.6 -42.5
Age of head 45-54 55-64
65-74
75 or older
7.6 6.8 11.1 13.3 13.5 9.2 10.5 10.0
8.4 10.2 7.5 12.7 12.3 11.5 10.5 9.3
3.4 3.5 7.1 11.3 10.7 9.2 10.5 10.0
3.4 2.9 7.1 6.7 8.6 5.8 5.2 7.0
-10.5 63.2 19.8 1.5 -31.9 14.1 -4.8
21.4 -26.5 69.3 -3.1 -6.5 -8.7 -11.4
2.9 102.9 59.2 -5.3 -14.0 14.1 -4.8
-14.7 144.8 -5.6 28.4 -32.6 -10.3 34.6
Mean value of cash value life insurance for families with holdings By age of head
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of cash value life insurance for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 12.1 19.8 1992 11.3 18.5 1995 25.1 28.1 1998 33.3 51.0 2001 56.1 39.8 2004 11.8 23.6 2007 15.9 25.3 2010 11.7 21.1 Three-year change (percent) 1992 -6.6 -6.6 1995 122.1 51.9 1998 32.7 81.5 2001 68.5 -22.0 2004 -79.0 -40.7 2007 34.7 7.2 2010 -26.4 -16.6
Age of head 45-54 55-64
65-74
75 or older
21.0 18.6 40.6 45.0 62.2 27.2 39.9 35.4
24.1 32.8 26.8 29.9 40.4 31.6 35.2 37.4
14.3 13.1 28.4 39.5 28.5 32.6 36.0 28.2
17.7 9.0 18.5 17.3 30.0 26.0 35.3 22.7
-11.4 118.3 10.8 38.2 -56.3 46.7 -11.3
36.1 -18.3 11.6 35.1 -21.8 11.4 6.2
-8.4 116.8 39.1 -27.8 14.4 10.4 -21.7
-49.2 105.6 -6.5 73.4 -13.3 35.8 -35.7
Percent of families with cash value life insurance By family structure
50
Percent
40 30 20 10 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with cash value life insurance Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 20.0 19.4 22.7 45.8 1992 27.9 21.8 27.4 41.4 1995 23.9 20.7 26.2 36.2 1998 20.9 14.9 24.9 34.1 2001 21.6 17.0 22.6 32.1 2004 18.2 13.6 28.9 24.4 2007 21.4 10.2 22.0 23.6 2010 11.1 9.8 23.5 18.9 Three-year change (percentage points) 1992 7.9 2.4 1995 -4.0 -1.1 1998 -3.0 -5.8 2001 0.7 2.1 2004 -3.4 -3.4 2007 3.2 -3.4 2010 -10.3 -0.4
2010
4.7 -1.2 -1.3 -2.3 6.3 -6.9 1.5
-4.4 -5.2 -2.1 -2.0 -7.7 -0.8 -4.7
Couple, no child
46.6 42.7 40.2 39.5 34.2 30.2 30.2 27.9 -3.9 -2.5 -0.7 -5.3 -4.0 0.0 -2.3
Median value of cash value life insurance for families with holdings
Thousands of 2010 dollars
By family structure
14 12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of cash value life insurance for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 2.2 3.6 1992 3.0 4.5 1995 4.1 5.0 1998 8.0 8.3 2001 6.7 9.7 2004 2.3 5.8 2007 4.0 5.8 2010 2.0 5.0 Three-year change (percent) 1992 36.4 1995 36.7 1998 95.1 2001 -16.2 2004 -65.7 2007 73.9 2010 -50.0
25.0 11.1 66.0 16.9 -40.2 0.0 -13.8
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
1.7 2.0 4.2 6.7 7.4 3.7 5.2 4.0
6.1 6.8 9.2 11.7 14.7 9.2 9.9 8.0
8.4 6.1 9.9 10.7 12.3 11.5 10.5 11.6
17.6 110.0 59.5 10.4 -50.0 40.5 -23.1
11.5 35.3 27.2 25.6 -37.4 7.6 -19.2
-27.4 62.3 8.1 15.0 -6.5 -8.7 10.5
Mean value of cash value life insurance for families with holdings By family structure
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of cash value life insurance for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 6.2 9.8 1992 13.3 16.4 1995 24.3 16.2 1998 28.4 17.5 2001 45.0 42.8 2004 22.3 12.0 2007 18.9 19.3 2010 13.7 23.9 Three-year change (percent) 1992 114.5 1995 82.7 1998 16.9 2001 58.5 2004 -50.4 2007 -15.2 2010 -27.5
67.3 -1.2 8.0 144.6 -72.0 60.8 23.8
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
8.0 6.1 19.1 19.2 20.6 8.7 24.2 14.7
20.4 22.4 35.4 52.4 54.9 28.7 34.3 33.7
23.6 18.3 30.7 36.9 40.8 39.0 41.5 34.3
-23.8 213.1 0.5 7.3 -57.8 178.2 -39.3
9.8 58.0 48.0 4.8 -47.7 19.5 -1.7
-22.5 67.8 20.2 10.6 -4.4 6.4 -17.3
Percent of families with cash value life insurance By education of head
50
Percent
40
30
20
10 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
1.4 -2.7 -2.3 -5.3 -1.4 -0.4 -2.8
2010
High school diploma College degree
Percent of families with cash value life insurance Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 26.9 33.3 35.1 1992 18.6 34.7 38.8 1995 20.7 32.0 31.4 1998 19.4 29.7 28.0 2001 20.3 24.4 28.4 2004 13.7 23.0 23.8 2007 12.6 22.6 23.4 2010 11.9 19.8 17.3 Three-year change (percentage points) 1992 -8.3 1995 2.1 1998 -1.3 2001 0.9 2004 -6.6 2007 -1.1 2010 -0.7
2007
3.7 -7.4 -3.4 0.4 -4.6 -0.4 -6.1
College degree
45.7 43.2 39.1 35.4 34.7 29.5 27.2 23.3 -2.5 -4.1 -3.7 -0.7 -5.2 -2.3 -3.9
Median value of cash value life insurance for families with holdings By education of head
Thousands of 2010 dollars
15
10
5
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of cash value life insurance for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 2.2 1992 2.6 1995 5.4 1998 4.7 2001 7.4 2004 3.7 2007 2.6 2010 4.5 Three-year change (percent) 1992 18.2 1995 107.7 1998 -13.0 2001 57.4 2004 -50.0 2007 -29.7 2010 73.1
Education of head High school Some college diploma
College degree
3.4 3.8 7.1 6.7 9.2 5.8 5.4 5.2
5.9 4.5 7.1 8.7 12.3 6.2 8.4 6.0
7.9 7.6 9.9 13.3 15.9 11.5 13.6 12.0
11.8 86.8 -5.6 37.3 -37.0 -6.9 -3.7
-23.7 57.8 22.5 41.4 -49.6 35.5 -28.6
-3.8 30.3 34.3 19.5 -27.7 18.3 -11.8
Mean value of cash value life insurance for families with holdings By education of head
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of cash value life insurance for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 9.4 1992 11.0 1995 23.2 1998 9.5 2001 18.5 2004 8.7 2007 10.6 2010 10.1 Three-year change (percent) 1992 17.0 1995 110.9 1998 -59.1 2001 94.7 2004 -53.0 2007 21.8 2010 -4.7
Education of head High school Some college diploma
College degree
12.3 14.2 22.8 26.5 31.2 16.7 20.6 17.0
19.0 18.0 22.0 30.4 41.6 22.8 22.5 20.5
27.6 22.3 39.6 59.4 61.1 37.8 50.7 42.6
15.4 60.6 16.2 17.7 -46.5 23.4 -17.5
-5.3 22.2 38.2 36.8 -45.2 -1.3 -8.9
-19.2 77.6 50.0 2.9 -38.1 34.1 -16.0
Percent of families with cash value life insurance By race or ethnicity of respondent
40
Percent
35 30 25 20 15 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with cash value life insurance Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 40.0 38.6 34.1 32.2 29.9 26.8 25.3 22.6
Three-year change (percentage points) 1992 -1.4 1995 -4.5 1998 -1.9 2001 -2.3 2004 -3.1 2007 -1.5 2010 -2.7
22.3 23.5 24.8 20.8 22.0 17.4 17.6 13.7 1.2 1.3 -4.0 1.2 -4.6 0.2 -3.9
Median value of cash value life insurance for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of cash value life insurance for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 5.5 3.0 1992 4.7 4.7 1995 7.1 7.5 1998 10.7 6.7 2001 12.3 10.7 2004 8.1 5.8 2007 9.4 5.2 2010 8.0 5.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-14.5 51.1 50.7 15.0 -34.1 16.0 -14.9
56.7 59.6 -10.7 59.7 -45.8 -10.3 -3.8
Mean value of cash value life insurance for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
50
40
30
20
10 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of cash value life insurance for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 19.5 11.9 1992 17.5 19.2 1995 27.9 34.4 1998 38.3 39.3 2001 46.7 33.8 2004 27.9 21.1 2007 36.1 21.2 2010 31.0 19.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-10.3 59.4 37.3 21.9 -40.3 29.4 -14.1
61.3 79.2 14.2 -14.0 -37.6 0.5 -8.0
Percent of families with cash value life insurance By current work status of head
50
Percent
40
30
20
10 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 -0.4 1995 -4.5 1998 -4.7 2001 -0.1 2004 -5.6 2007 -1.5 2010 -3.2
2010
Self−employed Other not working
Percent of families with cash value life insurance Current work status of head Employee Self-employed Retired
37.1 36.7 32.2 27.5 27.4 21.8 20.3 17.1
2007
Other not working
47.5 41.1 41.9 39.5 34.6 29.8 32.1 25.9
32.8 34.2 32.1 32.5 29.0 29.7 27.3 25.5
11.9 16.3 13.3 17.2 13.0 10.7 14.6 10.2
-6.4 0.8 -2.4 -4.9 -4.8 2.3 -6.2
1.4 -2.1 0.4 -3.5 0.7 -2.4 -1.8
4.4 -3.0 3.9 -4.2 -2.3 3.9 -4.4
Median value of cash value life insurance for families with holdings By current work status of head
Thousands of 2010 dollars
25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of cash value life insurance for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 5.1 1992 4.9 1995 7.8 1998 9.3 2001 11.6 2004 6.2 2007 7.9 2010 6.0
10.1 9.7 8.5 15.3 20.8 12.1 25.1 19.0
3.4 3.5 6.4 7.5 11.0 5.8 5.8 7.3
1.7 7.3 5.0 9.3 12.3 9.7 2.3 5.0
Three-year change (percent) 1992 -3.9 1995 59.2 1998 19.2 2001 24.7 2004 -46.6 2007 27.4 2010 -24.1
-4.0 -12.4 80.0 35.9 -41.8 107.4 -24.3
2.9 82.9 17.2 46.7 -47.3 0.0 25.9
329.4 -31.5 86.0 32.3 -21.1 -76.3 117.4
Mean value of cash value life insurance for families with holdings By current work status of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of cash value life insurance for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 17.5 1992 17.8 1995 29.3 1998 38.1 2001 40.9 2004 20.8 2007 26.2 2010 23.1
33.3 28.8 46.1 67.3 75.9 55.7 62.2 65.0
12.3 10.8 19.9 23.1 29.7 23.8 32.2 21.1
4.7 27.9 22.9 37.2 86.2 9.9 9.7 14.1
Three-year change (percent) 1992 1.7 1995 64.6 1998 30.0 2001 7.3 2004 -49.1 2007 26.0 2010 -11.8
-13.5 60.1 46.0 12.8 -26.6 11.7 4.5
-12.2 84.3 16.1 28.6 -19.9 35.3 -34.5
493.6 -17.9 62.4 131.7 -88.5 -2.0 45.4
Percent of families with cash value life insurance By current occupation of head
45
Percent
40 35 30 25 20 15 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2.8 -5.0 -0.5 -1.0 -6.5 -0.6 -4.0
2010
Technical, sales, or services Retired or other not working
Percent of families with cash value life insurance Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 46.5 32.1 38.0 1992 44.0 34.9 33.1 1995 41.2 29.9 31.3 1998 31.4 29.4 27.6 2001 31.6 28.4 25.1 2004 27.5 21.9 18.7 2007 24.9 21.3 19.0 2010 21.6 17.3 15.6 Three-year change (percentage points) 1992 -2.5 1995 -2.8 1998 -9.8 2001 0.2 2004 -4.1 2007 -2.6 2010 -3.3
2007
-4.9 -1.8 -3.7 -2.5 -6.4 0.3 -3.4
Retired or other not working 28.5 30.0 28.3 29.8 26.4 26.8 25.3 22.2 1.5 -1.7 1.5 -3.4 0.4 -1.5 -3.1
Median value of cash value life insurance for families with holdings By current occupation of head
Thousands of 2010 dollars
16 14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of cash value life insurance for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 8.1 3.6 5.1 1992 6.8 4.5 4.9 1995 10.6 7.1 7.5 1998 13.3 11.3 7.5 2001 15.9 9.2 12.3 2004 11.5 5.8 5.8 2007 13.6 9.4 5.2 2010 10.0 5.0 6.0 Year
Three-year change (percent) 1992 -16.0 1995 55.9 1998 25.5 2001 19.5 2004 -27.7 2007 18.3 2010 -26.5
25.0 57.8 59.2 -18.6 -37.0 62.1 -46.8
-3.9 53.1 0.0 64.0 -52.8 -10.3 15.4
Retired or other not working 3.4 3.6 6.0 8.0 11.0 5.8 5.2 7.0 5.9 66.7 33.3 37.5 -47.3 -10.3 34.6
Mean value of cash value life insurance for families with holdings By current occupation of head
Thousands of 2010 dollars
70 60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of cash value life insurance for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 26.7 19.0 15.2 1992 24.5 15.5 18.3 1995 40.5 29.2 26.9 1998 60.9 37.1 32.6 2001 64.4 35.8 36.3 2004 41.1 18.8 14.7 2007 50.4 23.8 17.8 2010 48.1 18.8 19.7 Year
Three-year change (percent) 1992 -8.2 1995 65.3 1998 50.4 2001 5.7 2004 -36.2 2007 22.6 2010 -4.6
-18.4 88.4 27.1 -3.5 -47.5 26.6 -21.0
20.4 47.0 21.2 11.3 -59.5 21.1 10.7
Retired or other not working 11.6 13.0 20.2 24.5 34.3 22.9 30.2 20.4 12.1 55.4 21.3 40.0 -33.2 31.9 -32.5
Percent of families with cash value life insurance By region
45 40
Percent
35 30 25 20 15 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
2007 South
Percent of families with cash value life insurance Region Northeast Midwest South 40.7 34.6 36.3 33.7 27.5 24.6 23.5 20.6
Three-year change (percentage points) 1992 -6.1 1995 1.7 1998 -2.6 2001 -6.2 2004 -2.9 2007 -1.1 2010 -2.9
2010
West
40.4 43.1 37.8 33.6 34.0 30.3 26.6 23.3
32.3 32.9 30.2 30.3 28.2 24.1 23.4 19.3
29.6 28.7 24.3 20.2 21.6 17.5 18.3 16.1
2.7 -5.3 -4.2 0.4 -3.7 -3.7 -3.3
0.6 -2.7 0.1 -2.1 -4.1 -0.7 -4.1
-0.9 -4.4 -4.1 1.4 -4.1 0.8 -2.2
Median value of cash value life insurance for families with holdings
Thousands of 2010 dollars
By region
14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of cash value life insurance for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 6.1 1992 6.1 1995 7.5 1998 10.7 2001 11.6 2004 6.9 2007 9.4 2010 10.0 Three-year change (percent) 1992 0.0 1995 23.0 1998 42.7 2001 8.4 2004 -40.5 2007 36.2 2010 6.4
Midwest
South
West
5.9 5.3 6.4 9.3 9.9 8.1 7.3 5.6
4.2 3.6 7.1 9.3 12.3 5.8 8.4 7.0
4.3 4.5 8.5 10.7 14.7 6.9 10.4 9.0
-10.2 20.8 45.3 6.5 -18.2 -9.9 -23.3
-14.3 97.2 31.0 32.3 -52.8 44.8 -16.7
4.7 88.9 25.9 37.4 -53.1 50.7 -13.5
Mean value of cash value life insurance for families with holdings By region
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of cash value life insurance for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 19.0 1992 24.3 1995 31.1 1998 45.1 2001 42.9 2004 27.4 2007 30.1 2010 32.1 Three-year change (percent) 1992 27.9 1995 28.0 1998 45.0 2001 -4.9 2004 -36.1 2007 9.9 2010 6.6
Midwest
South
West
20.1 17.9 25.1 31.8 36.7 26.7 26.7 20.8
17.1 14.6 29.5 38.3 43.2 24.0 36.4 29.8
16.7 16.1 32.1 40.9 60.4 31.0 36.9 32.8
-10.9 40.2 26.7 15.4 -27.2 0.0 -22.1
-14.6 102.1 29.8 12.8 -44.4 51.7 -18.1
-3.6 99.4 27.4 47.7 -48.7 19.0 -11.1
Percent of families with cash value life insurance By urbanicity
40
Percent
35
30
25
20 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with cash value life insurance Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 35.1 34.7 32.0 29.5 27.5 24.6 22.2 19.3
Three-year change (percentage points) 1992 -0.4 1995 -2.7 1998 -2.5 2001 -2.0 2004 -2.9 2007 -2.4 2010 -2.9
2010
37.2 35.7 32.0 30.2 30.8 22.3 26.8 21.9 -1.5 -3.7 -1.8 0.6 -8.5 4.5 -4.9
Median value of cash value life insurance for families with holdings By urbanicity
Thousands of 2010 dollars
12
10
8
6
4 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of cash value life insurance for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 5.1 1992 5.2 1995 7.5 1998 10.0 2001 12.3 2004 7.2 2007 9.4 2010 8.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
2.0 44.2 33.3 23.0 -41.5 30.6 -14.9
2010
Non-MSA
5.1 3.8 6.0 8.0 10.4 5.8 5.2 5.0 -25.5 57.9 33.3 30.0 -44.2 -10.3 -3.8
Mean value of cash value life insurance for families with holdings By urbanicity
Thousands of 2010 dollars
50
40
30
20
10 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of cash value life insurance for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 18.5 1992 18.4 1995 30.3 1998 40.3 2001 47.6 2004 28.6 2007 36.8 2010 31.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-0.5 64.7 33.0 18.1 -39.9 28.7 -13.9
2010
Non-MSA
17.8 15.0 21.7 27.6 25.4 15.7 16.5 14.2 -15.7 44.7 27.2 -8.0 -38.2 5.1 -13.9
Percent of families with cash value life insurance By housing status
50
Percent
40
30
20
10 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with cash value life insurance Housing status Owner Renter or other 45.5 43.2 38.8 36.9 34.5 30.1 28.9 24.0
Three-year change (percentage points) 1992 -2.3 1995 -4.4 1998 -1.9 2001 -2.4 2004 -4.4 2007 -1.2 2010 -4.9
17.8 20.2 19.4 15.2 14.3 11.0 10.1 10.9 2.4 -0.8 -4.2 -0.9 -3.3 -0.9 0.8
2010
Median value of cash value life insurance for families with holdings By housing status
Thousands of 2010 dollars
12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Median value of cash value life insurance for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 5.6 1992 5.2 1995 8.5 1998 10.7 2001 12.3 2004 8.1 2007 10.4 2010 8.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-7.1 63.5 25.9 15.0 -34.1 28.4 -18.3
Renter or other 3.0 3.0 5.0 6.7 9.2 3.5 2.1 4.0 0.0 66.7 34.0 37.3 -62.0 -40.0 90.5
Mean value of cash value life insurance for families with holdings By housing status
Thousands of 2010 dollars
50
40
30
20
10 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of cash value life insurance for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 19.0 1992 19.5 1995 31.8 1998 41.6 2001 46.9 2004 29.1 2007 35.9 2010 30.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
2.6 63.1 30.8 12.7 -38.0 23.4 -14.5
Renter or other 15.2 11.3 19.0 23.4 31.0 10.8 13.0 17.8 -25.7 68.1 23.2 32.5 -65.2 20.4 36.9
2010
Percent of families with cash value life insurance By percentile of net worth
60
Percent
50 40 30 20 10 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with cash value life insurance Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 13.6 28.4 45.5 50.0 1992 12.5 32.0 40.6 50.2 1995 11.3 27.2 38.4 47.4 1998 10.7 23.8 35.6 45.5 2001 6.9 26.1 34.4 41.8 2004 7.7 19.3 30.1 36.8 2007 7.8 19.7 28.5 32.3 2010 7.3 14.2 24.1 30.8 Three-year change (percentage points) 1992 -1.1 3.6 1995 -1.2 -4.8 1998 -0.6 -3.4 2001 -3.8 2.3 2004 0.8 -6.8 2007 0.1 0.4 2010 -0.5 -5.5
-4.9 -2.2 -2.8 -1.2 -4.3 -1.6 -4.4
2010
0.2 -2.8 -1.9 -3.7 -5.0 -4.5 -1.5
90-100 61.1 60.7 56.1 52.2 48.7 43.7 41.7 36.8 -0.4 -4.6 -3.9 -3.5 -5.0 -2.0 -4.9
Median value of cash value life insurance for families with holdings By percentile of net worth
Thousands of 2010 dollars
40
30
20
10
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of cash value life insurance for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.3 3.2 1992 1.2 2.6 1995 1.7 4.8 1998 1.6 6.7 2001 2.2 6.4 2004 0.9 4.6 2007 1.3 3.1 2010 1.5 3.1 Three-year change (percent) 1992 -7.7 1995 41.7 1998 -5.9 2001 37.5 2004 -59.1 2007 44.4 2010 15.4
-18.8 84.6 39.6 -4.5 -28.1 -32.6 0.0
Percentile of net worth 50-74.9
75-89.9
90-100
5.1 4.5 7.1 9.3 11.6 5.8 6.8 5.8
8.1 8.0 9.9 13.3 12.9 11.5 15.7 13.7
15.2 15.2 24.1 26.7 36.8 23.0 31.4 30.0
-11.8 57.8 31.0 24.7 -50.0 17.2 -14.7
-1.2 23.8 34.3 -3.0 -10.9 36.5 -12.7
0.0 58.6 10.8 37.8 -37.5 36.5 -4.5
Mean value of cash value life insurance for families with holdings By percentile of net worth
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of cash value life insurance for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 2.0 7.3 1992 2.4 5.6 1995 3.1 9.5 1998 4.4 10.1 2001 4.1 12.7 2004 2.5 7.7 2007 3.3 8.6 2010 3.6 6.7 Three-year change (percent) 1992 20.0 1995 29.2 1998 41.9 2001 -6.8 2004 -39.0 2007 32.0 2010 9.1
-23.3 69.6 6.3 25.7 -39.4 11.7 -22.1
Percentile of net worth 50-74.9
75-89.9
90-100
12.9 14.3 20.5 21.5 31.0 14.3 17.7 17.1
18.4 21.3 34.8 43.4 49.3 22.6 34.0 26.3
50.1 43.4 73.0 110.6 117.4 84.2 99.1 82.7
10.9 43.4 4.9 44.2 -53.9 23.8 -3.4
15.8 63.4 24.7 13.6 -54.2 50.4 -22.6
-13.4 68.2 51.5 6.1 -28.3 17.7 -16.5
Percent of families with other managed assets For all families
7
Percent
6
5
4
3 1989
1992
1995
1998
2001
2004
Year
Percent of families with other managed assets Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 3.6 4.0 3.9 5.9 6.6 7.3 5.8 5.7 0.4 -0.1 2.0 0.7 0.7 -1.5 -0.1
2007
2010
Median value of other managed assets for families with holdings For all families
Thousands of 2010 dollars
90 80 70 60 50 40 30 1989
1992
1995
1998 2001 Year
2004
2007
Median value of other managed assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 42.2 30.3 42.5 42.1 85.8 51.8 73.3 70.0 -28.2 40.3 -0.9 103.8 -39.6 41.5 -4.5
2010
Mean value of other managed assets for families with holdings For all families
Thousands of 2010 dollars
400
350
300
250
200
150 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of other managed assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 197.5 141.7 192.9 258.2 369.9 238.2 260.7 247.9 -28.3 36.1 33.9 43.3 -35.6 9.4 -4.9
2010
Percent of families with other managed assets By percentile of income
20
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Percent of families with other managed assets Year
Less than 20 Level (percent) 1989 0.4 1992 0.5 1995 0.7 1998 3.0 2001 2.2 2004 3.1 2007 2.7 2010 1.7
20-39.9
2.9 3.0 3.7 4.5 3.3 4.9 4.7 4.2
Three-year change (percentage points) 1992 0.1 0.1 1995 0.2 0.7 1998 2.3 0.8 2001 -0.8 -1.2 2004 0.9 1.6 2007 -0.4 -0.2 2010 -1.0 -0.5
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
2.7 3.4 3.9 4.0 5.4 7.9 5.4 5.5
3.8 4.8 4.5 7.1 8.5 7.8 5.7 6.9
5.5 6.9 5.8 7.2 10.7 12.2 7.6 7.8
11.0 9.6 8.0 14.9 16.7 13.0 13.6 12.3
0.7 0.5 0.1 1.4 2.5 -2.5 0.1
1.0 -0.3 2.6 1.4 -0.7 -2.1 1.2
1.4 -1.1 1.4 3.5 1.5 -4.6 0.2
-1.4 -1.6 6.9 1.8 -3.7 0.6 -1.3
Median value of other managed assets for families with holdings By percentile of income
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of other managed assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 20.2 33.7 1992 18.2 30.3 1995 59.5 21.2 1998 21.3 34.1 2001 29.7 44.1 2004 25.3 57.5 2007 104.8 90.1 2010 38.0 45.0 Three-year change (percent) 1992 -9.9 -10.1 1995 226.9 -30.0 1998 -64.2 60.8 2001 39.4 29.3 2004 -14.8 30.4 2007 314.2 56.7 2010 -63.7 -50.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
10.1 15.2 35.4 31.2 85.8 41.4 61.8 60.0
50.6 30.3 36.8 40.4 73.5 40.3 54.5 33.0
54.0 27.3 49.6 33.3 85.8 57.5 31.4 82.0
67.5 75.8 77.9 120.0 137.2 115.1 94.3 150.0
50.5 132.9 -11.9 175.0 -51.7 49.3 -2.9
-40.1 21.5 9.8 81.9 -45.2 35.2 -39.4
-49.4 81.7 -32.9 157.7 -33.0 -45.4 161.1
12.3 2.8 54.0 14.3 -16.1 -18.1 59.1
Mean value of other managed assets for families with holdings By percentile of income
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of other managed assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 23.8 53.2 1992 25.8 59.1 1995 167.4 85.7 1998 89.1 93.8 2001 166.0 184.1 2004 45.9 100.3 2007 148.5 161.9 2010 86.6 67.0 Three-year change (percent) 1992 8.4 11.1 1995 548.8 45.0 1998 -46.8 9.5 2001 86.3 96.3 2004 -72.3 -45.5 2007 223.5 61.4 2010 -41.7 -58.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
111.0 49.3 93.4 63.0 223.2 132.9 114.1 125.3
139.3 64.7 157.0 119.1 204.1 175.0 151.4 85.8
102.4 94.7 221.5 152.7 269.5 194.7 159.2 168.0
414.8 384.1 412.4 713.5 828.5 676.0 639.7 761.0
-55.6 89.5 -32.5 254.3 -40.5 -14.1 9.8
-53.6 142.7 -24.1 71.4 -14.3 -13.5 -43.3
-7.5 133.9 -31.1 76.5 -27.8 -18.2 5.5
-7.4 7.4 73.0 16.1 -18.4 -5.4 19.0
Percent of families with other managed assets By age of head
20
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Percent of families with other managed assets Year
Less than 35 Level (percent) 1989 2.5 1992 1.7 1995 1.6 1998 1.9 2001 2.1 2004 2.9 2007 0.8 2010 0.9
35-44
3.2 3.0 3.5 3.9 3.1 3.7 2.2 2.0
Three-year change (percentage points) 1992 -0.8 -0.2 1995 -0.1 0.5 1998 0.3 0.4 2001 0.2 -0.8 2004 0.8 0.6 2007 -2.1 -1.5 2010 0.1 -0.2
Age of head 45-54 55-64
65-74
75 or older
3.5 5.5 3.0 6.5 6.4 6.2 5.1 4.5
3.5 5.1 7.7 6.5 13.0 9.4 7.7 7.7
5.5 5.8 5.9 11.8 11.8 12.8 13.2 11.4
5.9 5.9 5.2 11.6 11.2 16.7 14.0 14.1
2.0 -2.5 3.5 -0.1 -0.2 -1.1 -0.6
1.6 2.6 -1.2 6.5 -3.6 -1.7 0.0
0.3 0.1 5.9 0.0 1.0 0.4 -1.8
0.0 -0.7 6.4 -0.4 5.5 -2.7 0.1
Median value of other managed assets for families with holdings By age of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of other managed assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 15.2 30.4 1992 30.3 12.1 1995 6.4 15.3 1998 25.9 33.3 2001 49.0 61.3 2004 5.8 21.1 2007 15.7 25.1 2010 9.0 10.0 Three-year change (percent) 1992 99.3 -60.2 1995 -78.9 26.4 1998 304.7 117.6 2001 89.2 84.1 2004 -88.2 -65.6 2007 170.7 19.0 2010 -42.7 -60.2
Age of head 45-54 55-64
65-74
75 or older
16.9 30.3 80.4 52.4 73.5 49.5 47.1 50.0
118.1 60.6 70.8 86.7 67.4 74.8 61.8 65.0
81.0 48.5 49.6 55.1 147.0 69.0 73.3 95.0
54.0 30.3 92.1 40.0 122.5 57.5 104.8 82.0
79.3 165.3 -34.8 40.3 -32.7 -4.8 6.2
-48.7 16.8 22.5 -22.3 11.0 -17.4 5.2
-40.1 2.3 11.1 166.8 -53.1 6.2 29.6
-43.9 204.0 -56.6 206.2 -53.1 82.3 -21.8
Mean value of other managed assets for families with holdings By age of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of other managed assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 126.1 201.5 1992 70.4 90.4 1995 89.9 121.4 1998 152.3 209.8 2001 213.3 269.1 2004 65.4 147.7 2007 28.9 132.4 2010 16.1 248.5 Three-year change (percent) 1992 -44.2 -55.1 1995 27.7 34.3 1998 69.4 72.8 2001 40.1 28.3 2004 -69.3 -45.1 2007 -55.8 -10.4 2010 -44.3 87.7
Age of head 45-54 55-64
65-74
75 or older
220.3 133.3 229.6 210.1 268.4 230.3 261.1 378.6
200.1 172.5 189.8 417.7 431.0 288.9 295.8 231.8
216.0 177.3 172.7 334.0 444.8 275.7 287.3 276.7
238.5 191.7 379.7 187.6 439.1 276.4 269.0 184.5
-39.5 72.2 -8.5 27.7 -14.2 13.4 45.0
-13.8 10.0 120.1 3.2 -33.0 2.4 -21.6
-17.9 -2.6 93.4 33.2 -38.0 4.2 -3.7
-19.6 98.1 -50.6 134.1 -37.1 -2.7 -31.4
Percent of families with other managed assets By family structure
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with other managed assets Year
Single with child(ren)
Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
0.7 1.6 3.8 5.2 1.4 2.4 2.4 3.3
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
2.6 2.4 3.4 2.7 3.8 3.4 2.0 1.5
4.6 4.3 5.5 10.8 9.4 14.2 11.2 9.9
4.1 3.6 2.4 4.8 5.1 5.2 4.4 3.9
4.3 6.5 5.3 7.1 10.6 10.2 8.1 8.8
-0.3 1.2 5.3 -1.4 4.8 -3.0 -1.3
-0.5 -1.2 2.4 0.3 0.1 -0.8 -0.5
2.2 -1.2 1.8 3.5 -0.4 -2.1 0.7
Three-year change (percentage points) 1992 0.9 -0.2 1995 2.2 1.0 1998 1.4 -0.7 2001 -3.8 1.1 2004 1.0 -0.4 2007 0.0 -1.4 2010 0.9 -0.5
Median value of other managed assets for families with holdings
Thousands of 2010 dollars
By family structure
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of other managed assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 7.6 67.5 1992 91.0 45.5 1995 56.7 12.7 1998 16.0 57.4 2001 85.8 77.6 2004 6.9 34.5 2007 21.0 62.9 2010 30.0 15.0 Three-year change (percent) 1992 1097.4 1995 -37.7 1998 -71.8 2001 436.2 2004 -92.0 2007 204.3 2010 42.9
-32.6 -72.1 352.0 35.2 -55.5 82.3 -76.2
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
75.9 60.6 72.2 40.0 108.4 74.8 104.8 70.0
23.6 13.6 28.3 36.6 73.5 34.5 36.7 50.0
67.5 37.9 59.5 77.4 98.0 57.5 54.5 90.0
-20.2 19.1 -44.6 171.0 -31.0 40.1 -33.2
-42.4 108.1 29.3 100.8 -53.1 6.4 36.2
-43.9 57.0 30.1 26.6 -41.3 -5.2 65.1
Mean value of other managed assets for families with holdings By family structure
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of other managed assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 192.0 90.2 1992 170.7 110.5 1995 173.4 35.4 1998 194.5 147.9 2001 163.0 220.3 2004 89.7 211.4 2007 202.9 201.6 2010 177.0 333.7 Three-year change (percent) 1992 -11.1 1995 1.6 1998 12.2 2001 -16.2 2004 -45.0 2007 126.2 2010 -12.8
22.5 -68.0 317.8 49.0 -4.0 -4.6 65.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
116.7 125.8 280.1 216.1 340.6 237.1 266.4 189.8
171.9 113.1 172.7 194.3 310.6 207.7 243.6 374.1
345.7 174.3 223.3 394.3 450.4 279.6 282.4 223.4
7.8 122.7 -22.8 57.6 -30.4 12.4 -28.8
-34.2 52.7 12.5 59.9 -33.1 17.3 53.6
-49.6 28.1 76.6 14.2 -37.9 1.0 -20.9
Percent of families with other managed assets By education of head
12 10
Percent
8 6 4 2 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with other managed assets Year
No high school diploma Level (percent) 1989 1.0 1992 1.6 1995 0.7 1998 2.1 2001 3.0 2004 3.0 2007 1.7 2010 3.1
Education of head High school Some college diploma
Three-year change (percentage points) 1992 0.6 1995 -0.9 1998 1.4 2001 0.9 2004 0.0 2007 -1.3 2010 1.4
College degree
3.3 2.9 3.3 4.0 3.5 5.4 4.2 4.2
3.4 4.5 5.5 4.9 6.7 6.2 6.6 5.5
6.5 6.3 5.5 10.2 11.2 10.9 8.5 7.9
-0.4 0.4 0.7 -0.5 1.9 -1.2 0.0
1.1 1.0 -0.6 1.8 -0.5 0.4 -1.1
-0.2 -0.8 4.7 1.0 -0.3 -2.4 -0.6
Median value of other managed assets for families with holdings By education of head
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of other managed assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 42.2 1992 27.3 1995 19.8 1998 40.0 2001 19.8 2004 17.3 2007 31.4 2010 50.0 Three-year change (percent) 1992 -35.3 1995 -27.5 1998 102.0 2001 -50.5 2004 -12.6 2007 81.5 2010 59.2
Education of head High school Some college diploma
College degree
16.9 25.8 36.8 20.0 85.8 57.5 83.8 35.0
25.3 33.6 21.2 46.7 61.3 33.4 54.5 60.0
67.5 36.4 73.6 60.0 100.6 57.5 78.6 95.0
52.7 42.6 -45.7 329.0 -33.0 45.7 -58.2
32.8 -36.9 120.3 31.3 -45.5 63.2 10.1
-46.1 102.2 -18.5 67.7 -42.8 36.7 20.9
Mean value of other managed assets for families with holdings By education of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of other managed assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 148.6 1992 40.0 1995 47.1 1998 84.2 2001 233.6 2004 147.2 2007 53.6 2010 80.3 Three-year change (percent) 1992 -73.1 1995 17.8 1998 78.8 2001 177.4 2004 -37.0 2007 -63.6 2010 49.8
Education of head High school Some college diploma
College degree
57.1 91.2 94.4 75.3 251.8 145.0 140.5 111.1
149.3 89.0 171.8 284.1 191.9 342.7 199.3 182.0
300.1 200.7 279.4 338.3 479.1 257.0 357.3 353.3
59.7 3.5 -20.2 234.4 -42.4 -3.1 -20.9
-40.4 93.0 65.4 -32.5 78.6 -41.8 -8.7
-33.1 39.2 21.1 41.6 -46.4 39.0 -1.1
Percent of families with other managed assets By race or ethnicity of respondent
10
Percent
8 6 4 2 0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with other managed assets Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 4.5 4.9 4.8 7.2 8.2 9.2 7.3 7.3
Three-year change (percentage points) 1992 0.4 1995 -0.1 1998 2.4 2001 1.0 2004 1.0 2007 -1.9 2010 0.0
1.1 1.2 1.0 1.6 1.8 2.1 2.3 2.3 0.1 -0.2 0.6 0.2 0.3 0.2 0.0
Median value of other managed assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of other managed assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 52.3 13.5 1992 33.6 13.6 1995 42.5 8.5 1998 42.7 30.7 2001 85.8 55.1 2004 51.8 46.0 2007 73.3 31.4 2010 73.0 25.0 Three-year change (percent) 1992 -35.8 1995 26.5 1998 0.5 2001 100.9 2004 -39.6 2007 41.5 2010 -0.4
0.7 -37.5 261.2 79.5 -16.5 -31.7 -20.4
Mean value of other managed assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of other managed assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 211.2 33.9 1992 146.6 78.1 1995 188.1 276.1 1998 256.7 280.8 2001 381.3 206.1 2004 247.0 139.7 2007 280.8 106.4 2010 255.8 196.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-30.6 28.3 36.5 48.5 -35.2 13.7 -8.9
130.4 253.5 1.7 -26.6 -32.2 -23.8 84.9
Percent of families with other managed assets By current work status of head
12
Percent
10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with other managed assets Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
3.6 3.9 3.6 4.2 5.3 5.4 3.7 3.6
Three-year change (percentage points) 1992 0.3 1995 -0.3 1998 0.6 2001 1.1 2004 0.1 2007 -1.7 2010 -0.1
Other not working
3.8 2.6 3.1 8.7 6.9 7.6 6.9 8.3
4.3 5.7 5.3 9.9 10.4 12.8 11.2 10.4
1.1 1.0 2.8 0.4 5.6 2.0 2.1 1.6
-1.2 0.5 5.6 -1.8 0.7 -0.7 1.4
1.4 -0.4 4.6 0.5 2.4 -1.6 -0.8
-0.1 1.8 -2.4 5.2 -3.6 0.1 -0.5
Median value of other managed assets for families with holdings By current work status of head
Thousands of 2010 dollars
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of other managed assets for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 30.4 1992 30.3 1995 20.5 1998 40.0 2001 67.4 2004 57.5 2007 28.5 2010 31.7
101.2 144.0 60.9 52.4 133.6 48.3 83.8 89.0
75.9 30.3 70.8 42.7 122.5 51.8 104.8 75.0
16.9 9.1 22.7 1173.8 47.7 31.1 21.0 20.0
Three-year change (percent) 1992 -0.3 1995 -32.3 1998 95.1 2001 68.5 2004 -14.7 2007 -50.4 2010 11.2
42.3 -57.7 -14.0 155.0 -63.8 73.5 6.2
-60.1 133.7 -39.7 186.9 -57.7 102.3 -28.4
-46.2 149.5 5070.9 -95.9 -34.8 -32.5 -4.8
Mean value of other managed assets for families with holdings By current work status of head
Thousands of 2010 dollars
2500 2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of other managed assets for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 146.2 1992 91.4 1995 133.8 1998 170.4 2001 236.7 2004 178.5 2007 167.9 2010 287.2
510.0 549.9 374.6 389.4 694.0 340.7 514.3 384.8
173.8 142.1 252.2 281.3 454.9 251.2 275.2 173.0
165.1 45.2 116.7 2139.6 218.3 933.8 60.0 116.0
Three-year change (percent) 1992 -37.5 1995 46.4 1998 27.4 2001 38.9 2004 -24.6 2007 -5.9 2010 71.1
7.8 -31.9 4.0 78.2 -50.9 51.0 -25.2
-18.2 77.5 11.5 61.7 -44.8 9.6 -37.1
-72.6 158.2 1733.4 -89.8 327.8 -93.6 93.3
Percent of families with other managed assets By current occupation of head
12 10
Percent
8 6 4 2 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with other managed assets Year
Managerial or professional Level (percent) 1989 4.9 1992 6.3 1995 5.9 1998 8.3 2001 9.3 2004 8.2 2007 6.7 2010 6.8
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 1.4 1995 -0.4 1998 2.4 2001 1.0 2004 -1.1 2007 -1.5 2010 0.1
Retired or other not working
3.4 3.1 3.5 3.6 3.6 4.9 4.0 2.8
2.6 1.5 1.6 2.8 3.0 3.3 1.1 2.4
3.6 4.6 4.8 8.2 9.6 11.1 9.8 8.5
-0.3 0.4 0.1 0.0 1.3 -0.9 -1.2
-1.1 0.1 1.2 0.2 0.3 -2.2 1.3
1.0 0.2 3.4 1.4 1.5 -1.3 -1.3
Median value of other managed assets for families with holdings By current occupation of head
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of other managed assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 94.5 25.3 7.6 1992 37.9 37.9 15.9 1995 55.2 15.3 27.9 1998 45.0 33.3 33.3 2001 85.8 29.9 30.6 2004 51.8 69.0 41.4 2007 61.8 10.5 21.0 2010 84.0 25.0 17.8 Year
Three-year change (percent) 1992 -59.9 1995 45.6 1998 -18.5 2001 90.7 2004 -39.6 2007 19.3 2010 35.9
49.8 -59.6 117.6 -10.2 130.8 -84.8 138.1
109.2 75.5 19.4 -8.1 35.3 -49.3 -15.2
Retired or other not working 59.0 27.3 70.8 42.7 122.5 51.8 104.8 73.0 -53.7 159.3 -39.7 186.9 -57.7 102.3 -30.3
Mean value of other managed assets for families with holdings By current occupation of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of other managed assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 368.4 97.0 80.5 1992 172.8 125.1 64.1 1995 250.1 93.5 71.2 1998 329.2 127.0 69.0 2001 420.2 171.8 184.7 2004 263.7 145.4 155.8 2007 339.4 124.6 37.5 2010 395.6 282.8 46.8 Year
Three-year change (percent) 1992 -53.1 1995 44.7 1998 31.6 2001 27.6 2004 -37.2 2007 28.7 2010 16.6
29.0 -25.3 35.8 35.3 -15.4 -14.3 127.0
-20.4 11.1 -3.1 167.7 -15.6 -75.9 24.8
Retired or other not working 173.2 137.0 236.1 296.3 432.2 270.5 268.1 170.7 -20.9 72.3 25.5 45.9 -37.4 -0.9 -36.3
Percent of families with other managed assets By region
12
Percent
10 8 6 4 2 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with other managed assets Region Year Northeast Level (percent) 1989 3.7 1992 4.3 1995 4.2 1998 5.8 2001 5.8 2004 7.7 2007 6.4 2010 6.1
Midwest
South
West
5.0 4.5 3.9 6.9 7.5 11.5 6.7 6.1
2.8 2.9 3.6 5.1 5.6 4.7 5.2 5.1
3.2 5.1 4.1 6.3 8.2 6.7 5.5 6.0
-0.5 -0.6 3.0 0.6 4.0 -4.8 -0.6
0.1 0.7 1.5 0.5 -0.9 0.5 -0.1
1.9 -1.0 2.2 1.9 -1.5 -1.2 0.5
Three-year change (percentage points) 1992 0.6 1995 -0.1 1998 1.6 2001 0.0 2004 1.9 2007 -1.3 2010 -0.3
Median value of other managed assets for families with holdings By region
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of other managed assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 30.4 1992 27.3 1995 76.5 1998 42.7 2001 91.9 2004 57.5 2007 76.5 2010 38.0 Three-year change (percent) 1992 -10.2 1995 180.2 1998 -44.2 2001 115.2 2004 -37.4 2007 33.0 2010 -50.3
Midwest
South
West
33.7 45.5 42.5 31.6 118.9 48.3 70.2 80.0
67.5 34.9 35.4 46.2 75.9 51.8 83.8 85.0
101.2 30.3 42.5 54.2 73.5 51.8 62.9 40.0
35.0 -6.6 -25.6 276.3 -59.4 45.3 14.0
-48.3 1.4 30.5 64.3 -31.8 61.8 1.4
-70.1 40.3 27.5 35.6 -29.5 21.4 -36.4
Mean value of other managed assets for families with holdings By region
Thousands of 2010 dollars
600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of other managed assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 158.3 1992 163.4 1995 223.0 1998 142.8 2001 613.9 2004 364.4 2007 273.4 2010 234.4 Three-year change (percent) 1992 3.2 1995 36.5 1998 -36.0 2001 329.9 2004 -40.6 2007 -25.0 2010 -14.3
Midwest
South
West
137.9 115.2 195.1 228.1 241.7 203.3 273.7 328.9
174.3 193.3 193.3 268.3 414.4 182.9 235.0 227.3
391.8 102.9 161.3 378.3 295.0 241.2 271.9 205.0
-16.5 69.4 16.9 6.0 -15.9 34.6 20.2
10.9 0.0 38.8 54.5 -55.9 28.5 -3.3
-73.7 56.8 134.5 -22.0 -18.2 12.7 -24.6
Percent of families with other managed assets By urbanicity
8 7
Percent
6 5 4 3 2 1989
1992
1995
1998
2001
2004
2007
2010
Year Metropolitan Statistical Area (MSA)
Non−MSA
Percent of families with other managed assets Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
3.6 4.3 4.2 6.1 6.7 7.8 5.9 6.0
3.6 2.9 2.3 4.8 6.1 4.8 5.5 3.9
Three-year change (percentage points) 1992 0.7 1995 -0.1 1998 1.9 2001 0.6 2004 1.1 2007 -1.9 2010 0.1
-0.7 -0.6 2.5 1.3 -1.3 0.7 -1.6
Median value of other managed assets for families with holdings By urbanicity
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of other managed assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 52.3 1992 30.3 1995 53.8 1998 42.7 2001 85.8 2004 51.8 2007 73.3 2010 70.0 Three-year change (percent) 1992 -42.1 1995 77.6 1998 -20.6 2001 100.9 2004 -39.6 2007 41.5 2010 -4.5
2010
Non-MSA
33.7 37.9 15.3 23.7 73.2 37.2 47.1 70.0 12.5 -59.6 54.9 208.9 -49.2 26.6 48.6
Mean value of other managed assets for families with holdings By urbanicity
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of other managed assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 229.2 1992 144.8 1995 199.0 1998 270.0 2001 386.4 2004 256.9 2007 283.7 2010 269.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-36.8 37.4 35.7 43.1 -33.5 10.4 -5.1
2010
Non-MSA
63.0 121.1 127.4 169.9 256.6 91.2 140.5 89.3 92.2 5.2 33.4 51.0 -64.5 54.1 -36.4
Percent of families with other managed assets By housing status
10
Percent
8 6 4 2 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with other managed assets Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
4.9 5.3 5.0 7.7 8.9 9.6 7.5 7.6
1.4 1.7 1.9 2.4 2.0 2.0 2.1 1.8
Three-year change (percentage points) 1992 0.4 1995 -0.3 1998 2.7 2001 1.2 2004 0.7 2007 -2.1 2010 0.1
0.3 0.2 0.5 -0.4 0.0 0.1 -0.3
2010
Median value of other managed assets for families with holdings By housing status
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of other managed assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 42.2 1992 30.3 1995 49.6 1998 42.7 2001 85.8 2004 51.8 2007 73.3 2010 75.0 Three-year change (percent) 1992 -28.2 1995 63.7 1998 -13.9 2001 100.9 2004 -39.6 2007 41.5 2010 2.3
Renter or other 37.1 30.3 19.8 30.7 49.0 48.3 56.6 16.0 -18.3 -34.7 55.1 59.6 -1.4 17.2 -71.7
2010
Mean value of other managed assets for families with holdings By housing status
Thousands of 2010 dollars
400 350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of other managed assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 195.8 1992 142.6 1995 211.9 1998 274.4 2001 392.6 2004 245.6 2007 277.7 2010 259.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-27.2 48.6 29.5 43.1 -37.4 13.1 -6.4
Renter or other 207.8 136.7 99.8 154.3 158.7 158.3 128.7 142.5 -34.2 -27.0 54.6 2.9 -0.3 -18.7 10.7
2010
Percent of families with other managed assets By percentile of net worth
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with other managed assets Year Less than 25 Level (percent) 1989 0.1 1992 0.4 1995 0.8 1998 0.5 2001 0.2 2004 0.1 2007 0.3 2010 0.6
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
1.3 1.0 1.9 2.3 1.4 2.3 1.9 1.9
3.9 4.4 3.4 5.9 6.2 8.8 6.2 4.6
6.4 7.7 6.3 10.2 13.8 15.7 11.1 13.1
13.2 14.1 14.4 22.1 26.4 21.1 20.6 19.3
0.5 -1.0 2.5 0.3 2.6 -2.6 -1.6
1.3 -1.4 3.9 3.6 1.9 -4.6 2.0
0.9 0.3 7.7 4.3 -5.3 -0.5 -1.3
Three-year change (percentage points) 1992 0.3 -0.3 1995 0.4 0.9 1998 -0.3 0.4 2001 -0.3 -0.9 2004 -0.1 0.9 2007 0.2 -0.4 2010 0.3 0.0
Median value of other managed assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of other managed assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 0.3 5.9 1992 1.5 6.1 1995 2.8 12.0 1998 7.3 13.3 2001 6.1 12.4 2004 0.6 10.8 2007 9.2 14.5 2010 9.0 10.0 Three-year change (percent) 1992 400.0 1995 86.7 1998 160.7 2001 -16.4 2004 -90.2 2007 1433.3 2010 -2.2
3.4 96.7 10.8 -6.8 -12.9 34.3 -31.0
Percentile of net worth 50-74.9
75-89.9
90-100
13.5 15.9 14.6 28.6 27.0 23.0 52.4 30.0
54.0 24.3 35.4 31.2 85.8 57.5 83.8 70.0
151.8 99.5 167.1 160.1 245.1 143.8 165.5 150.0
17.8 -8.2 95.9 -5.6 -14.8 127.8 -42.7
-55.0 45.7 -11.9 175.0 -33.0 45.7 -16.5
-34.5 67.9 -4.2 53.1 -41.3 15.1 -9.4
Mean value of other managed assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of other managed assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 0.3 10.4 1992 2.1 16.4 1995 7.1 18.4 1998 14.8 20.1 2001 7.5 24.8 2004 0.6 20.6 2007 10.6 27.9 2010 14.2 16.4 Three-year change (percent) 1992 600.0 1995 238.1 1998 108.5 2001 -49.3 2004 -92.0 2007 1666.7 2010 34.0
57.7 12.2 9.2 23.4 -16.9 35.4 -41.2
Percentile of net worth 50-74.9
75-89.9
90-100
31.4 29.0 33.5 40.3 45.5 43.7 59.6 45.2
75.9 45.9 70.3 57.3 126.0 89.3 122.1 101.8
459.1 338.5 452.7 619.4 803.3 668.4 587.5 592.7
-7.6 15.5 20.3 12.9 -4.0 36.4 -24.2
-39.5 53.2 -18.5 119.9 -29.1 36.7 -16.6
-26.3 33.7 36.8 29.7 -16.8 -12.1 0.9
Percent of families with retirement accounts For all families
55
Percent
50
45
40
35 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with retirement accounts All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
37.1 40.1 45.3 48.9 52.8 49.9 53.0 50.4 3.0 5.2 3.6 3.9 -2.9 3.1 -2.6
2007
2010
Median value of retirement accounts for families with holdings For all families
Thousands of 2010 dollars
45 40 35 30 25 20 1989
1992
1995
1998 2001 Year
2004
2007
Median value of retirement accounts for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 18.6 21.2 24.1 32.0 36.1 40.7 47.1 44.0 14.0 13.7 32.8 12.8 12.7 15.7 -6.6
2010
Mean value of retirement accounts for families with holdings For all families
Thousands of 2010 dollars
180 160 140 120 100 80 60 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of retirement accounts for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 63.2 67.4 80.7 101.7 128.3 141.6 154.7 171.2 6.6 19.7 26.0 26.2 10.4 9.3 10.7
2010
Percent of families with retirement accounts By percentile of income
100
Percent
80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 4.6 1992 5.8 1995 8.8 1998 9.4 2001 13.8 2004 10.1 2007 10.8 2010 11.2
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with retirement accounts Percentile of income 20-39.9 40-59.9 60-79.9 80-89.9
15.8 23.6 27.6 30.9 34.2 30.0 35.8 30.5
Three-year change (percentage points) 1992 1.2 7.8 1995 3.0 4.0 1998 0.6 3.3 2001 4.4 3.3 2004 -3.7 -4.2 2007 0.7 5.8 2010 0.4 -5.3
2010
90-100
38.3 38.0 48.4 53.6 53.3 53.8 55.6 52.8
52.6 55.9 63.8 69.3 76.1 69.9 74.3 69.7
69.1 73.0 73.7 75.4 83.8 82.5 86.9 85.7
79.6 81.5 82.2 87.5 89.2 88.7 89.6 90.1
-0.3 10.4 5.2 -0.3 0.5 1.8 -2.8
3.3 7.9 5.5 6.8 -6.2 4.4 -4.6
3.9 0.7 1.7 8.4 -1.3 4.4 -1.2
1.9 0.7 5.3 1.7 -0.5 0.9 0.5
Median value of retirement accounts for families with holdings By percentile of income
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of retirement accounts for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 6.7 5.3 1992 11.5 7.3 1995 14.2 12.7 1998 8.0 12.0 2001 6.1 9.8 2004 5.8 11.5 2007 6.3 12.6 2010 8.0 11.0 Three-year change (percent) 1992 71.6 37.7 1995 23.5 74.0 1998 -43.7 -5.5 2001 -23.8 -18.3 2004 -4.9 17.3 2007 8.6 9.6 2010 27.0 -12.7
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
12.6 9.9 11.8 16.0 17.2 19.7 25.1 22.8
14.3 18.2 20.7 28.0 36.8 36.8 50.3 37.0
25.3 32.6 36.8 58.7 67.4 81.7 94.7 88.0
75.9 72.8 99.1 120.0 159.3 212.0 214.8 277.0
-21.4 19.2 35.6 7.5 14.5 27.4 -9.2
27.3 13.7 35.3 31.4 0.0 36.7 -26.4
28.9 12.9 59.5 14.8 21.2 15.9 -7.1
-4.1 36.1 21.1 32.8 33.1 1.3 29.0
Mean value of retirement accounts for families with holdings By percentile of income
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of retirement accounts for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 25.4 39.6 1992 23.3 18.2 1995 36.4 35.8 1998 22.2 34.6 2001 27.4 36.2 2004 31.8 29.8 2007 18.5 38.1 2010 67.9 38.9 Three-year change (percent) 1992 -8.3 -54.0 1995 56.2 96.7 1998 -39.0 -3.4 2001 23.4 4.6 2004 16.1 -17.7 2007 -41.8 27.9 2010 267.0 2.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
24.5 24.8 32.8 39.5 58.4 51.3 58.9 66.4
31.9 42.5 45.1 63.8 85.8 85.4 109.0 97.0
58.7 61.8 73.6 119.4 135.9 172.1 151.0 171.0
159.6 180.9 238.6 287.3 379.4 411.9 478.8 524.0
1.2 32.3 20.4 47.8 -12.2 14.8 12.7
33.2 6.1 41.5 34.5 -0.5 27.6 -11.0
5.3 19.1 62.2 13.8 26.6 -12.3 13.2
13.3 31.9 20.4 32.1 8.6 16.2 9.4
Percent of families with retirement accounts By age of head
70 60
Percent
50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 27.5 1992 31.9 1995 40.9 1998 39.8 2001 45.3 2004 40.2 2007 42.1 2010 41.1
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with retirement accounts Age of head 35-44 45-54 55-64 65-74
49.5 50.1 54.8 59.7 61.6 55.9 57.8 52.2
Three-year change (percentage points) 1992 4.4 0.6 1995 9.0 4.7 1998 -1.1 4.9 2001 5.5 1.9 2004 -5.1 -5.7 2007 1.9 1.9 2010 -1.0 -5.6
2010
75 or older
52.2 51.9 57.4 59.3 63.7 58.2 65.4 60.0
47.4 53.0 51.0 58.5 59.8 63.5 61.2 59.8
29.9 35.0 36.6 46.1 45.1 43.2 51.7 49.0
6.3 6.3 15.9 16.7 27.7 29.2 30.0 32.8
-0.3 5.5 1.9 4.4 -5.5 7.2 -5.4
5.6 -2.0 7.5 1.3 3.7 -2.3 -1.4
5.1 1.6 9.5 -1.0 -1.9 8.5 -2.7
0.0 9.6 0.8 11.0 1.5 0.8 2.8
Median value of retirement accounts for families with holdings By age of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of retirement accounts for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 6.7 16.1 1992 6.8 13.8 1995 8.5 20.7 1998 9.3 27.1 2001 8.6 35.5 2004 12.7 32.2 2007 10.0 38.8 2010 10.5 31.2 Three-year change (percent) 1992 1.5 -14.3 1995 25.0 50.0 1998 9.4 30.9 2001 -7.5 31.0 2004 47.7 -9.3 2007 -21.3 20.5 2010 5.0 -19.6
Age of head 45-54 55-64
65-74
75 or older
27.8 42.4 39.7 46.7 58.8 63.9 66.0 60.0
39.8 45.5 45.3 62.4 67.4 95.5 104.8 100.0
26.1 30.3 40.5 50.7 73.5 92.1 80.7 100.0
27.0 42.4 33.3 40.0 58.8 34.5 36.7 54.0
52.5 -6.4 17.6 25.9 8.7 3.3 -9.1
14.3 -0.4 37.7 8.0 41.7 9.7 -4.6
16.1 33.7 25.2 45.0 25.3 -12.4 23.9
57.0 -21.5 20.1 47.0 -41.3 6.4 47.1
Mean value of retirement accounts for families with holdings By age of head
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of retirement accounts for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 15.4 46.8 1992 20.3 41.5 1995 26.7 50.4 1998 30.1 69.7 2001 23.1 79.5 2004 29.2 78.4 2007 26.2 83.9 2010 26.9 84.5 Three-year change (percent) 1992 31.8 -11.3 1995 31.5 21.4 1998 12.7 38.3 2001 -23.3 14.1 2004 26.4 -1.4 2007 -10.3 7.0 2010 2.7 0.7
Age of head 45-54 55-64
65-74
75 or older
87.8 106.1 123.0 120.6 154.7 163.3 162.2 172.5
105.0 107.6 132.8 191.1 243.5 249.1 283.5 291.3
83.9 82.2 116.5 138.0 214.9 240.3 279.8 309.4
55.6 84.3 83.9 123.9 155.5 136.7 110.6 173.8
20.8 15.9 -2.0 28.3 5.6 -0.7 6.4
2.5 23.4 43.9 27.4 2.3 13.8 2.8
-2.0 41.7 18.5 55.7 11.8 16.4 10.6
51.6 -0.5 47.7 25.5 -12.1 -19.1 57.1
Percent of families with retirement accounts By family structure
70
Percent
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with retirement accounts Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 19.9 28.9 17.0 49.4 1992 24.3 31.4 18.7 51.6 1995 26.7 40.9 21.1 57.6 1998 33.9 43.1 28.5 60.5 2001 36.8 44.7 32.0 66.6 2004 31.1 41.0 33.3 62.0 2007 35.0 46.7 36.7 62.1 2010 33.9 40.2 33.7 60.1 Three-year change (percentage points) 1992 4.4 2.5 1995 2.4 9.5 1998 7.2 2.2 2001 2.9 1.6 2004 -5.7 -3.7 2007 3.9 5.7 2010 -1.1 -6.5
2010
1.7 2.4 7.4 3.5 1.3 3.4 -3.0
2.2 6.0 2.9 6.1 -4.6 0.1 -2.0
Couple, no child
45.4 51.0 54.3 55.5 57.9 58.2 62.6 61.6 5.6 3.3 1.2 2.4 0.3 4.4 -1.0
Median value of retirement accounts for families with holdings By family structure
Thousands of 2010 dollars
80 60 40 20 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of retirement accounts for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 9.1 8.4 1992 7.0 10.6 1995 9.9 14.8 1998 14.7 16.7 2001 9.6 13.5 2004 13.8 17.3 2007 17.8 25.4 2010 17.8 20.5 Three-year change (percent) 1992 -23.1 1995 41.4 1998 48.5 2001 -34.7 2004 43.8 2007 29.0 2010 0.0
26.2 39.6 12.8 -19.2 28.1 46.8 -19.3
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
21.9 19.7 24.1 40.0 34.3 41.4 48.8 46.0
17.4 22.7 25.5 32.3 36.8 46.0 49.5 44.1
32.0 34.9 34.0 49.1 62.5 71.6 69.1 77.4
-10.0 22.3 66.0 -14.2 20.7 17.9 -5.7
30.5 12.3 26.7 13.9 25.0 7.6 -10.9
9.1 -2.6 44.4 27.3 14.6 -3.5 12.0
Mean value of retirement accounts for families with holdings By family structure
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of retirement accounts for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 25.8 40.1 1992 33.0 37.9 1995 28.1 38.0 1998 42.3 52.8 2001 43.1 52.1 2004 43.9 55.3 2007 77.4 76.7 2010 56.2 56.7 Three-year change (percent) 1992 27.9 1995 -14.8 1998 50.5 2001 1.9 2004 1.9 2007 76.3 2010 -27.4
-5.5 0.3 38.9 -1.3 6.1 38.7 -26.1
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
55.5 42.3 73.6 96.3 109.9 110.0 132.4 165.6
59.1 65.9 83.7 93.4 119.2 134.5 139.7 166.8
91.3 94.7 109.0 154.7 195.8 220.3 229.0 248.1
-23.8 74.0 30.8 14.1 0.1 20.4 25.1
11.5 27.0 11.6 27.6 12.8 3.9 19.4
3.7 15.1 41.9 26.6 12.5 3.9 8.3
Percent of families with retirement accounts By education of head
80
Percent
60
40
20
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
1.7 6.2 1.2 3.6 -2.3 -0.5 -2.7
2010
High school diploma College degree
Percent of families with retirement accounts Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 14.9 33.4 41.4 1992 13.8 35.1 41.7 1995 18.7 41.3 47.2 1998 20.6 42.5 52.0 2001 17.9 46.1 53.7 2004 16.3 43.8 47.8 2007 21.6 43.3 53.0 2010 17.1 40.6 48.6 Three-year change (percentage points) 1992 -1.1 1995 4.9 1998 1.9 2001 -2.7 2004 -1.6 2007 5.3 2010 -4.5
2007
0.3 5.5 4.8 1.7 -5.9 5.2 -4.4
College degree
58.5 60.7 64.4 67.5 75.0 69.2 73.9 70.5 2.2 3.7 3.1 7.5 -5.8 4.7 -3.4
Median value of retirement accounts for families with holdings By education of head
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of retirement accounts for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 16.9 1992 10.6 1995 13.5 1998 16.0 2001 12.3 2004 14.3 2007 15.7 2010 16.3 Three-year change (percent) 1992 -37.3 1995 27.4 1998 18.5 2001 -23.1 2004 16.3 2007 9.8 2010 3.8
Education of head High school Some college diploma
College degree
12.6 15.2 21.2 22.4 22.1 23.1 29.9 25.0
15.2 18.2 22.7 26.7 24.6 23.9 33.5 27.0
26.1 31.8 32.6 46.7 61.3 74.8 78.6 76.3
20.6 39.5 5.7 -1.3 4.5 29.4 -16.4
19.7 24.7 17.6 -7.9 -2.8 40.2 -19.4
21.8 2.5 43.3 31.3 22.0 5.1 -2.9
Mean value of retirement accounts for families with holdings By education of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of retirement accounts for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 47.5 1992 23.4 1995 30.5 1998 30.7 2001 44.6 2004 35.8 2007 55.2 2010 35.2 Three-year change (percent) 1992 -50.7 1995 30.3 1998 0.7 2001 45.3 2004 -19.7 2007 54.2 2010 -36.2
Education of head High school Some college diploma
College degree
36.7 42.3 52.3 54.2 60.8 68.6 70.2 75.9
49.8 41.7 67.7 71.9 83.0 86.0 93.1 85.7
89.5 97.3 114.2 154.0 194.0 209.3 235.0 258.3
15.3 23.6 3.6 12.2 12.8 2.3 8.1
-16.3 62.4 6.2 15.4 3.6 8.3 -7.9
8.7 17.4 34.9 26.0 7.9 12.3 9.9
Percent of families with retirement accounts By race or ethnicity of respondent
60
Percent
50
40
30
20 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with retirement accounts Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 43.5 45.6 49.3 53.8 57.7 56.4 58.5 58.1
Three-year change (percentage points) 1992 2.1 1995 3.7 1998 4.5 2001 3.9 2004 -1.3 2007 2.1 2010 -0.4
18.2 23.4 31.6 32.7 37.8 33.0 39.5 34.4 5.2 8.2 1.1 5.1 -4.8 6.5 -5.1
Median value of retirement accounts for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of retirement accounts for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 20.2 10.1 1992 22.7 12.1 1995 25.8 17.0 1998 34.7 17.0 2001 42.9 12.3 2004 47.2 18.4 2007 55.5 26.2 2010 54.0 25.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
12.4 13.7 34.5 23.6 10.0 17.6 -2.7
19.8 40.5 0.0 -27.6 49.6 42.4 -4.6
Mean value of retirement accounts for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of retirement accounts for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 66.5 39.7 1992 72.4 37.9 1995 86.9 47.4 1998 107.9 67.9 2001 143.4 57.9 2004 157.3 71.9 2007 176.5 76.7 2010 193.9 91.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
8.9 20.0 24.2 32.9 9.7 12.2 9.9
-4.5 25.1 43.2 -14.7 24.2 6.7 19.4
Percent of families with retirement accounts By current work status of head
60
Percent
50 40 30 20 10 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 3.6 1995 5.6 1998 2.9 2001 2.8 2004 -4.5 2007 5.4 2010 -3.1
2010
Self−employed Other not working
Percent of families with retirement accounts Current work status of head Employee Self-employed Retired
46.9 50.5 56.1 59.0 61.8 57.3 62.7 59.6
2007
Other not working
44.5 49.5 50.8 53.7 58.9 55.3 55.4 54.7
19.9 21.8 25.1 28.9 30.7 33.0 34.2 34.4
6.5 16.3 17.9 17.2 27.1 24.9 22.4 24.6
5.0 1.3 2.9 5.2 -3.6 0.1 -0.7
1.9 3.3 3.8 1.8 2.3 1.2 0.2
9.8 1.6 -0.7 9.9 -2.2 -2.5 2.2
Median value of retirement accounts for families with holdings By current work status of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of retirement accounts for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 15.5 1992 17.1 1995 22.7 1998 26.7 2001 30.1 2004 34.5 2007 42.1 2010 35.6
37.1 37.9 35.4 66.7 67.4 69.0 95.3 85.0
25.3 27.3 36.8 41.4 67.4 53.2 52.4 66.7
3.4 15.2 17.0 19.0 27.0 35.7 21.8 19.3
Three-year change (percent) 1992 10.3 1995 32.7 1998 17.6 2001 12.7 2004 14.6 2007 22.0 2010 -15.4
2.2 -6.6 88.4 1.0 2.4 38.1 -10.8
7.9 34.8 12.5 62.8 -21.1 -1.5 27.3
347.1 11.8 11.8 42.1 32.2 -38.9 -11.5
Mean value of retirement accounts for families with holdings
Thousands of 2010 dollars
By current work status of head
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of retirement accounts for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 47.8 1992 57.2 1995 70.8 1998 79.8 2001 96.5 2004 118.2 2007 128.1 2010 134.9
129.6 120.0 128.5 197.8 249.2 228.8 301.4 322.0
83.4 73.2 97.3 135.6 185.7 174.5 183.0 221.6
23.2 39.8 54.2 38.4 95.3 120.9 67.7 86.9
Three-year change (percent) 1992 19.7 1995 23.8 1998 12.7 2001 20.9 2004 22.5 2007 8.4 2010 5.3
-7.4 7.1 53.9 26.0 -8.2 31.7 6.8
-12.2 32.9 39.4 36.9 -6.0 4.9 21.1
71.6 36.2 -29.2 148.2 26.9 -44.0 28.4
Percent of families with retirement accounts By current occupation of head
80 70
Percent
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
6.3 3.8 2.7 0.9 -4.3 6.3 -7.2
2010
Technical, sales, or services Retired or other not working
Percent of families with retirement accounts Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 64.1 39.2 37.6 1992 64.3 45.5 40.6 1995 70.3 49.3 49.1 1998 69.5 52.0 52.4 2001 74.0 52.9 54.9 2004 68.8 48.6 49.9 2007 74.9 54.9 51.3 2010 73.5 47.7 50.0 Three-year change (percentage points) 1992 0.2 1995 6.0 1998 -0.8 2001 4.5 2004 -5.2 2007 6.1 2010 -1.4
2007
3.0 8.5 3.3 2.5 -5.0 1.4 -1.3
Retired or other not working 17.1 20.5 23.6 27.0 30.1 31.8 32.3 32.3 3.4 3.1 3.4 3.1 1.7 0.5 0.0
Median value of retirement accounts for families with holdings By current occupation of head
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of retirement accounts for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 30.4 11.0 13.5 1992 37.9 13.4 9.1 1995 38.2 19.5 15.2 1998 51.7 25.3 18.7 2001 56.4 23.3 16.5 2004 69.0 24.9 23.0 2007 75.4 31.4 25.3 2010 73.1 25.0 25.3 Year
Three-year change (percent) 1992 24.7 1995 0.8 1998 35.3 2001 9.1 2004 22.3 2007 9.3 2010 -3.1
21.8 45.5 29.7 -7.9 6.9 26.1 -20.4
-32.6 67.0 23.0 -11.8 39.4 10.0 0.0
Retired or other not working 25.3 25.3 32.4 40.0 61.3 48.3 47.1 56.5 0.0 28.1 23.5 53.2 -21.2 -2.5 20.0
Mean value of retirement accounts for families with holdings By current occupation of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of retirement accounts for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 88.7 45.9 31.8 1992 106.8 44.7 29.6 1995 127.5 60.1 40.9 1998 150.2 72.2 49.0 2001 185.0 77.4 56.4 2004 195.8 94.2 69.2 2007 228.5 95.8 65.6 2010 243.7 92.3 70.4 Year
Three-year change (percent) 1992 20.4 1995 19.4 1998 17.8 2001 23.2 2004 5.8 2007 16.7 2010 6.7
-2.6 34.5 20.1 7.2 21.7 1.7 -3.7
-6.9 38.2 19.8 15.1 22.7 -5.2 7.3
Retired or other not working 78.7 66.9 90.7 127.7 172.5 168.0 170.6 199.6 -15.0 35.6 40.8 35.1 -2.6 1.5 17.0
Percent of families with retirement accounts By region
60 55
Percent
50 45 40 35 30 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
Three-year change (percentage points) 1992 1.6 1995 6.0 1998 -1.5 2001 3.4 2004 5.2 2007 -3.5 2010 0.7
2010
South
Percent of families with retirement accounts Region Northeast Midwest South 42.5 44.1 50.1 48.6 52.0 57.2 53.7 54.4
2007
West
40.0 44.0 49.2 53.1 57.6 57.4 58.1 54.6
30.9 35.1 42.4 45.9 50.1 41.7 49.3 45.9
38.7 39.9 41.4 49.7 52.8 49.2 53.1 50.4
4.0 5.2 3.9 4.5 -0.2 0.7 -3.5
4.2 7.3 3.5 4.2 -8.4 7.6 -3.4
1.2 1.5 8.3 3.1 -3.6 3.9 -2.7
Median value of retirement accounts for families with holdings By region
Thousands of 2010 dollars
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of retirement accounts for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 23.6 1992 22.1 1995 31.2 1998 40.0 2001 47.8 2004 58.7 2007 60.1 2010 60.0 Three-year change (percent) 1992 -6.4 1995 41.2 1998 28.2 2001 19.5 2004 22.8 2007 2.4 2010 -0.2
Midwest
South
West
20.2 25.0 22.7 26.7 40.4 43.7 38.3 40.0
16.0 16.7 22.7 32.0 32.6 31.4 41.9 37.2
16.0 25.8 22.7 32.0 31.9 34.5 47.7 45.0
23.8 -9.2 17.6 51.3 8.2 -12.4 4.4
4.4 35.9 41.0 1.9 -3.7 33.4 -11.2
61.2 -12.0 41.0 -0.3 8.2 38.3 -5.7
Mean value of retirement accounts for families with holdings By region
Thousands of 2010 dollars
250
200
150
100
50 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of retirement accounts for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 71.1 1992 66.6 1995 83.2 1998 119.3 2001 165.8 2004 173.8 2007 175.9 2010 221.7 Three-year change (percent) 1992 -6.3 1995 24.9 1998 43.4 2001 39.0 2004 4.8 2007 1.2 2010 26.0
Midwest
South
West
63.4 67.6 75.7 88.0 118.4 146.2 133.9 144.0
59.2 63.6 85.4 96.0 116.7 121.8 157.6 144.9
59.4 73.6 76.7 111.4 126.0 131.9 156.0 195.9
6.6 12.0 16.2 34.5 23.5 -8.4 7.5
7.4 34.3 12.4 21.6 4.4 29.4 -8.1
23.9 4.2 45.2 13.1 4.7 18.3 25.6
Percent of families with retirement accounts By urbanicity
55
Percent
50 45 40 35 30 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with retirement accounts Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 38.7 42.5 47.0 49.9 53.9 52.0 55.1 52.2
Three-year change (percentage points) 1992 3.8 1995 4.5 1998 2.9 2001 4.0 2004 -1.9 2007 3.1 2010 -2.9
2010
30.4 29.4 35.7 43.2 45.7 39.8 42.5 41.9 -1.0 6.3 7.5 2.5 -5.9 2.7 -0.6
Median value of retirement accounts for families with holdings By urbanicity
Thousands of 2010 dollars
50
40
30
20
10 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of retirement accounts for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 19.0 1992 22.7 1995 24.1 1998 33.3 2001 38.0 2004 46.0 2007 50.0 2010 49.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
19.5 6.2 38.2 14.1 21.1 8.7 -0.8
2010
Non-MSA
16.1 15.2 21.2 25.3 23.3 23.0 35.3 28.8 -5.6 39.5 19.3 -7.9 -1.3 53.5 -18.4
Mean value of retirement accounts for families with holdings By urbanicity
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of retirement accounts for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 65.3 1992 72.8 1995 84.8 1998 108.2 2001 137.2 2004 152.9 2007 165.1 2010 186.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
11.5 16.5 27.6 26.8 11.4 8.0 12.7
2010
Non-MSA
51.8 33.2 49.1 58.4 62.9 70.5 89.3 82.8 -35.9 47.9 18.9 7.7 12.1 26.7 -7.3
Percent of families with retirement accounts By housing status
70
Percent
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with retirement accounts Housing status Owner Renter or other 48.6 49.3 54.4 58.4 63.3 60.5 63.7 61.7
Three-year change (percentage points) 1992 0.7 1995 5.1 1998 4.0 2001 4.9 2004 -2.8 2007 3.2 2010 -2.0
16.8 23.7 28.7 30.3 30.8 26.2 29.6 27.1 6.9 5.0 1.6 0.5 -4.6 3.4 -2.5
2010
Median value of retirement accounts for families with holdings By housing status
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of retirement accounts for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 23.6 1992 26.5 1995 28.8 1998 40.0 2001 49.0 2004 52.9 2007 59.7 2010 59.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
12.3 8.7 38.9 22.5 8.0 12.9 -0.7
Renter or other 6.7 7.0 10.0 10.4 8.6 12.7 10.5 10.0 4.5 42.9 4.0 -17.3 47.7 -17.3 -4.8
2010
Mean value of retirement accounts for families with holdings By housing status
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of retirement accounts for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 71.6 1992 78.5 1995 92.1 1998 118.0 2001 149.3 2004 160.8 2007 176.9 2010 198.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
9.6 17.3 28.1 26.5 7.7 10.0 11.9
Renter or other 20.1 26.6 41.2 40.1 38.1 42.7 50.0 45.3 32.3 54.9 -2.7 -5.0 12.1 17.1 -9.4
2010
Percent of families with retirement accounts By percentile of net worth
100
Percent
80 60 40 20 0 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
4.0 5.0 4.2 7.5 -1.9 1.1 -4.5
2010
50−74.9
Percent of families with retirement accounts Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 7.7 30.3 43.2 65.4 1992 12.5 32.4 47.2 64.5 1995 15.1 42.0 52.2 66.5 1998 18.6 44.2 56.4 72.1 2001 19.1 46.1 63.9 78.3 2004 14.3 43.2 62.0 78.2 2007 19.7 48.6 63.1 77.5 2010 19.8 42.7 58.6 75.8 Three-year change (percentage points) 1992 4.8 2.1 1995 2.6 9.6 1998 3.5 2.2 2001 0.5 1.9 2004 -4.8 -2.9 2007 5.4 5.4 2010 0.1 -5.9
2007
-0.9 2.0 5.6 6.2 -0.1 -0.7 -1.7
90-100 70.1 73.9 80.4 83.2 87.7 82.7 84.8 87.8 3.8 6.5 2.8 4.5 -5.0 2.1 3.0
Median value of retirement accounts for families with holdings By percentile of net worth
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of retirement accounts for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 2.0 6.3 1992 1.5 6.5 1995 1.7 10.2 1998 2.8 11.0 2001 2.5 9.3 2004 3.4 13.5 2007 3.1 15.7 2010 5.0 12.0 Three-year change (percent) 1992 -25.0 1995 13.3 1998 64.7 2001 -10.7 2004 36.0 2007 -8.8 2010 61.3
3.2 56.9 7.8 -15.5 45.2 16.3 -23.6
Percentile of net worth 50-74.9
75-89.9
90-100
16.9 20.2 23.1 37.3 36.8 38.4 52.4 42.0
40.5 45.2 49.6 79.8 98.0 111.6 125.7 133.0
81.0 113.7 141.6 166.7 245.1 307.1 333.2 413.0
19.5 14.4 61.5 -1.3 4.3 36.5 -19.8
11.6 9.7 60.9 22.8 13.9 12.6 5.8
40.4 24.5 17.7 47.0 25.3 8.5 23.9
Mean value of retirement accounts for families with holdings
Thousands of 2010 dollars
By percentile of net worth
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of retirement accounts for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 3.9 9.6 1992 3.2 10.1 1995 5.2 15.0 1998 5.8 16.7 2001 4.6 17.3 2004 6.0 19.7 2007 7.6 22.4 2010 11.8 18.3 Three-year change (percent) 1992 -17.9 1995 62.5 1998 11.5 2001 -20.7 2004 30.4 2007 26.7 2010 55.3
5.2 48.5 11.3 3.6 13.9 13.7 -18.3
Percentile of net worth 50-74.9
75-89.9
90-100
26.6 29.2 32.0 48.7 52.6 55.4 68.0 56.9
65.3 64.5 82.3 105.1 139.2 155.1 166.1 166.8
190.9 222.0 279.1 354.0 464.8 501.6 575.1 642.7
9.8 9.6 52.2 8.0 5.3 22.7 -16.3
-1.2 27.6 27.7 32.4 11.4 7.1 0.4
16.3 25.7 26.8 31.3 7.9 14.7 11.8
Percent of families with other financial assets For all families
14 13
Percent
12 11 10 9 8 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with other financial assets All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
13.8 10.8 11.1 9.4 9.4 10.0 9.3 8.0 -3.0 0.3 -1.7 0.0 0.6 -0.7 -1.3
2007
2010
Median value of other financial assets for families with holdings For all families
Thousands of 2010 dollars
6.5 6 5.5 5 4.5 4 3.5 1989
1992
1995
1998 2001 Year
2004
2007
Median value of other financial assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 3.4 3.8 4.2 4.0 4.9 4.6 6.3 5.0 11.8 10.5 -4.8 22.5 -6.1 37.0 -20.6
2010
Mean value of other financial assets for families with holdings For all families
Thousands of 2010 dollars
70
60
50
40
30 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of other financial assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 37.8 36.3 38.8 31.9 48.2 45.5 52.7 63.9 -4.0 6.9 -17.8 51.1 -5.6 15.8 21.3
2010
Percent of families with other financial assets By percentile of income
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with other financial assets Percentile of income Year Less than 20-39.9 40-59.9 60-79.9 80-89.9 20 Level (percent) 1989 8.9 13.6 14.4 14.8 13.2 1992 8.6 9.8 10.3 12.0 11.6 1995 8.5 9.0 13.5 11.4 11.5 1998 8.3 8.0 10.5 9.9 8.7 2001 6.2 10.2 9.9 9.2 10.8 2004 7.1 9.9 9.3 11.2 11.4 2007 6.6 8.7 10.2 8.4 9.7 2010 7.0 6.7 9.6 7.3 8.5 Three-year change (percentage points) 1992 -0.3 -3.8 1995 -0.1 -0.8 1998 -0.2 -1.0 2001 -2.1 2.2 2004 0.9 -0.3 2007 -0.5 -1.2 2010 0.4 -2.0
-4.1 3.2 -3.0 -0.6 -0.6 0.9 -0.6
-2.8 -0.6 -1.5 -0.7 2.0 -2.8 -1.1
2010
-1.6 -0.1 -2.8 2.1 0.6 -1.7 -1.2
90-100
21.0 15.2 15.0 11.5 12.5 13.4 15.3 10.3 -5.8 -0.2 -3.5 1.0 0.9 1.9 -5.0
Median value of other financial assets for families with holdings By percentile of income
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of other financial assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 1.3 1.9 1992 1.7 3.0 1995 2.8 2.5 1998 0.8 1.7 2001 2.1 3.7 2004 2.9 2.3 2007 1.6 3.1 2010 2.3 2.7 Three-year change (percent) 1992 30.8 57.9 1995 64.7 -16.7 1998 -71.4 -32.0 2001 162.5 117.6 2004 38.1 -37.8 2007 -44.8 34.8 2010 43.8 -12.9
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
3.4 3.8 3.5 3.3 3.7 2.9 4.2 5.0
4.2 3.0 4.2 6.7 3.7 4.6 10.5 7.0
4.2 4.5 3.4 7.6 8.6 5.8 10.5 10.0
25.3 30.3 18.4 33.3 18.4 23.0 47.1 28.0
11.8 -7.9 -5.7 12.1 -21.6 44.8 19.0
-28.6 40.0 59.5 -44.8 24.3 128.3 -33.3
7.1 -24.4 123.5 13.2 -32.6 81.0 -4.8
19.8 -39.3 81.0 -44.7 25.0 104.8 -40.6
Mean value of other financial assets for families with holdings By percentile of income
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of other financial assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 23.1 9.1 1992 4.9 21.0 1995 21.0 16.6 1998 13.1 13.9 2001 28.8 12.8 2004 14.5 16.0 2007 7.3 15.8 2010 15.7 11.5 Three-year change (percent) 1992 -78.8 130.8 1995 328.6 -21.0 1998 -37.6 -16.3 2001 119.8 -7.9 2004 -49.7 25.0 2007 -49.7 -1.2 2010 115.1 -27.2
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
9.6 16.7 16.8 13.7 28.6 15.0 22.8 36.4
33.8 15.7 27.8 19.1 27.5 19.0 27.9 45.5
23.3 26.6 45.9 46.3 23.3 27.4 44.1 77.8
140.8 157.8 136.9 128.7 207.5 223.1 206.7 264.1
74.0 0.6 -18.5 108.8 -47.6 52.0 59.6
-53.6 77.1 -31.3 44.0 -30.9 46.8 63.1
14.2 72.6 0.9 -49.7 17.6 60.9 76.4
12.1 -13.2 -6.0 61.2 7.5 -7.4 27.8
Percent of families with other financial assets By age of head
16 14
Percent
12 10 8 6 4 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with other financial assets Age of head Year Less than 35-44 45-54 55-64 65-74 35 Level (percent) 1989 14.7 14.6 15.4 14.0 11.8 1992 12.6 11.0 11.3 10.7 10.1 1995 13.8 10.9 12.9 9.3 10.0 1998 10.1 11.8 9.1 8.4 7.3 2001 10.5 9.7 8.5 10.6 8.5 2004 11.6 10.0 12.1 7.2 8.1 2007 10.0 9.4 10.5 9.2 9.4 2010 9.0 8.4 7.7 8.9 7.5 Three-year change (percentage points) 1992 -2.1 -3.6 1995 1.2 -0.1 1998 -3.7 0.9 2001 0.4 -2.1 2004 1.1 0.3 2007 -1.6 -0.6 2010 -1.0 -1.0
-4.1 1.6 -3.8 -0.6 3.6 -1.6 -2.8
-3.3 -1.4 -0.9 2.2 -3.4 2.0 -0.3
2010
-1.7 -0.1 -2.7 1.2 -0.4 1.3 -1.9
75 or older
8.0 5.9 5.4 6.4 7.7 8.1 5.3 5.0 -2.1 -0.5 1.0 1.3 0.4 -2.8 -0.3
Median value of other financial assets for families with holdings By age of head
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of other financial assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 1.2 3.5 1992 1.5 4.5 1995 1.4 2.8 1998 1.3 3.3 2001 2.0 2.5 2004 1.2 4.0 2007 1.6 8.4 2010 2.0 2.7 Three-year change (percent) 1992 25.0 28.6 1995 -6.7 -37.8 1998 -7.1 17.9 2001 53.8 -24.2 2004 -40.0 60.0 2007 33.3 110.0 2010 25.0 -67.9
Age of head 45-54 55-64
65-74
75 or older
5.1 7.6 7.1 8.0 6.1 5.8 6.3 7.0
8.4 7.6 14.2 13.3 12.3 8.1 21.0 11.0
13.5 10.6 12.7 8.0 9.8 11.5 10.5 15.0
16.9 7.6 49.6 10.9 22.1 25.3 15.7 16.0
49.0 -6.6 12.7 -23.8 -4.9 8.6 11.1
-9.5 86.8 -6.3 -7.5 -34.1 159.3 -47.6
-21.5 19.8 -37.0 22.5 17.3 -8.7 42.9
-55.0 552.6 -78.0 102.8 14.5 -37.9 1.9
Mean value of other financial assets for families with holdings By age of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of other financial assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 30.8 21.7 1992 8.9 24.3 1995 14.9 24.5 1998 20.7 16.3 2001 18.3 21.1 2004 7.4 19.2 2007 6.4 52.2 2010 15.2 49.3 Three-year change (percent) 1992 -71.1 12.0 1995 67.4 0.8 1998 38.9 -33.5 2001 -11.6 29.4 2004 -59.6 -9.0 2007 -13.5 171.9 2010 137.5 -5.6
Age of head 45-54 55-64
65-74
75 or older
47.6 40.5 48.4 42.0 77.1 78.6 41.7 57.9
36.0 89.7 61.4 47.6 86.5 77.7 87.0 91.9
67.6 60.5 83.3 67.9 72.2 75.5 106.0 133.7
60.2 44.2 68.0 40.2 53.1 54.7 88.1 102.3
-14.9 19.5 -13.2 83.6 1.9 -46.9 38.8
149.2 -31.5 -22.5 81.7 -10.2 12.0 5.6
-10.5 37.7 -18.5 6.3 4.6 40.4 26.1
-26.6 53.8 -40.9 32.1 3.0 61.1 16.1
Percent of families with other financial assets By family structure
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with other financial assets Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 13.9 20.0 12.5 11.9 1992 11.2 16.0 7.9 9.0 1995 11.0 18.2 8.6 9.4 1998 8.8 16.2 7.3 8.0 2001 12.6 14.1 8.4 7.0 2004 12.4 14.7 7.9 7.7 2007 11.5 11.6 7.9 8.6 2010 8.3 11.3 7.7 7.6 Three-year change (percentage points) 1992 -2.7 -4.0 1995 -0.2 2.2 1998 -2.2 -2.0 2001 3.8 -2.1 2004 -0.2 0.6 2007 -0.9 -3.1 2010 -3.2 -0.3
2010
-4.6 0.7 -1.3 1.1 -0.5 0.0 -0.2
-2.9 0.4 -1.4 -1.0 0.7 0.9 -1.0
Couple, no child
13.2 11.5 10.4 8.2 8.7 10.0 8.7 6.7 -1.7 -1.1 -2.2 0.5 1.3 -1.3 -2.0
Median value of other financial assets for families with holdings
Thousands of 2010 dollars
By family structure
15
10
5
0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of other financial assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 3.4 1.7 1992 2.4 2.6 1995 4.2 2.8 1998 2.7 2.0 2001 2.9 2.5 2004 3.5 1.7 2007 4.2 3.1 2010 8.0 2.0 Three-year change (percent) 1992 -29.4 1995 75.0 1998 -35.7 2001 7.4 2004 20.7 2007 20.0 2010 90.5
52.9 7.7 -28.6 25.0 -32.0 82.4 -35.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
10.1 6.1 12.7 4.8 11.0 11.5 3.8 10.0
4.2 4.5 2.8 5.3 5.5 5.8 5.2 5.0
7.6 7.6 9.2 6.7 8.6 6.9 15.7 9.0
-39.6 108.2 -62.2 129.2 4.5 -67.0 163.2
7.1 -37.8 89.3 3.8 5.5 -10.3 -3.8
0.0 21.1 -27.2 28.4 -19.8 127.5 -42.7
Mean value of other financial assets for families with holdings By family structure
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of other financial assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 18.8 33.3 1992 13.5 14.3 1995 22.0 19.9 1998 40.8 9.0 2001 21.8 21.4 2004 23.5 12.3 2007 13.9 25.5 2010 97.4 39.0 Three-year change (percent) 1992 -28.2 1995 63.0 1998 85.5 2001 -46.6 2004 7.8 2007 -40.9 2010 600.7
-57.1 39.2 -54.8 137.8 -42.5 107.3 52.9
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
24.0 43.7 64.5 39.3 38.8 39.6 44.1 24.3
42.8 52.9 31.6 36.9 51.4 75.4 50.2 50.5
54.3 46.1 62.8 46.9 87.2 61.4 101.9 112.4
82.1 47.6 -39.1 -1.3 2.1 11.4 -44.9
23.6 -40.3 16.8 39.3 46.7 -33.4 0.6
-15.1 36.2 -25.3 85.9 -29.6 66.0 10.3
Percent of families with other financial assets By education of head
20
Percent
15
10
5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
-2.1 -1.1 -1.9 -0.2 0.7 -0.2 -1.0
2010
High school diploma College degree
Percent of families with other financial assets Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 8.3 13.0 15.4 1992 5.9 10.9 15.4 1995 6.2 9.8 14.4 1998 7.0 7.9 9.8 2001 7.0 7.7 11.0 2004 5.2 8.4 14.4 2007 7.1 8.2 10.0 2010 5.3 7.2 7.6 Three-year change (percentage points) 1992 -2.4 1995 0.3 1998 0.8 2001 0.0 2004 -1.8 2007 1.9 2010 -1.8
2007
0.0 -1.0 -4.6 1.2 3.4 -4.4 -2.4
College degree
18.5 11.4 13.4 11.7 11.3 10.9 10.8 9.8 -7.1 2.0 -1.7 -0.4 -0.4 -0.1 -1.0
Median value of other financial assets for families with holdings By education of head
Thousands of 2010 dollars
12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of other financial assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 3.4 1992 1.8 1995 4.2 1998 2.4 2001 3.7 2004 2.3 2007 1.6 2010 1.3 Three-year change (percent) 1992 -47.1 1995 133.3 1998 -42.9 2001 54.2 2004 -37.8 2007 -30.4 2010 -18.8
Education of head High school Some college diploma
College degree
2.5 3.0 2.8 1.7 3.7 3.5 5.2 3.6
3.4 3.0 3.5 4.7 2.8 4.6 4.2 5.0
6.2 9.1 7.1 6.7 7.4 8.1 10.5 10.0
20.0 -6.7 -39.3 117.6 -5.4 48.6 -30.8
-11.8 16.7 34.3 -40.4 64.3 -8.7 19.0
46.8 -22.0 -5.6 10.4 9.5 29.6 -4.8
Mean value of other financial assets for families with holdings By education of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of other financial assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 11.7 1992 27.5 1995 16.7 1998 16.0 2001 13.4 2004 12.5 2007 10.7 2010 12.1 Three-year change (percent) 1992 135.0 1995 -39.3 1998 -4.2 2001 -16.2 2004 -6.7 2007 -14.4 2010 13.1
Education of head High school Some college diploma
College degree
21.7 21.8 31.4 12.3 26.7 24.1 34.5 30.1
33.4 24.5 21.5 41.3 44.1 24.6 24.8 45.6
63.2 61.1 62.1 44.9 74.3 79.4 89.8 101.4
0.5 44.0 -60.8 117.1 -9.7 43.2 -12.8
-26.6 -12.2 92.1 6.8 -44.2 0.8 83.9
-3.3 1.6 -27.7 65.5 6.9 13.1 12.9
Percent of families with other financial assets By race or ethnicity of respondent
16
Percent
14
12
10
8 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with other financial assets Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 14.5 11.8 11.7 9.7 9.4 10.2 9.7 8.2
Three-year change (percentage points) 1992 -2.7 1995 -0.1 1998 -2.0 2001 -0.3 2004 0.8 2007 -0.5 2010 -1.5
11.5 8.0 9.1 8.3 9.6 9.4 8.3 7.6 -3.5 1.1 -0.8 1.3 -0.2 -1.1 -0.7
Median value of other financial assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
10
8
6
4
2 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of other financial assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 5.1 1.3 1992 4.5 1.8 1995 5.7 1.8 1998 6.0 1.3 2001 6.1 1.8 2004 5.8 2.9 2007 10.1 3.1 2010 7.5 3.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-11.8 26.7 5.3 1.7 -4.9 74.1 -25.7
38.5 0.0 -27.8 38.5 61.1 6.9 -3.2
Mean value of other financial assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of other financial assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 41.9 22.6 1992 39.2 23.2 1995 43.3 18.8 1998 38.4 6.9 2001 58.5 17.7 2004 49.7 33.7 2007 61.3 28.7 2010 79.4 29.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-6.4 10.5 -11.3 52.3 -15.0 23.3 29.5
2.7 -19.0 -63.3 156.5 90.4 -14.8 2.1
Percent of families with other financial assets By current work status of head
20
Percent
15
10
5 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 -4.1 1995 1.3 1998 -2.4 2001 0.1 2004 0.0 2007 -0.3 2010 -1.5
2010
Self−employed Other not working
Percent of families with other financial assets Current work status of head Employee Self-employed Retired
14.6 10.5 11.8 9.4 9.5 9.5 9.2 7.7
2007
Other not working
20.2 18.9 16.8 14.2 12.4 15.1 14.8 11.1
9.8 7.0 7.1 6.8 8.1 8.4 7.0 7.3
10.6 14.8 11.7 11.0 6.6 11.5 10.4 8.3
-1.3 -2.1 -2.6 -1.8 2.7 -0.3 -3.7
-2.8 0.1 -0.3 1.3 0.3 -1.4 0.3
4.2 -3.1 -0.7 -4.4 4.9 -1.1 -2.1
Median value of other financial assets for families with holdings By current work status of head
Thousands of 2010 dollars
20
15
10
5
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of other financial assets for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 2.5 1992 3.0 1995 2.8 1998 2.4 2001 3.1 2004 3.5 2007 5.2 2010 3.0
8.4 10.6 5.7 9.3 14.7 6.9 16.8 10.0
13.5 9.1 14.2 9.3 12.3 11.5 10.5 10.0
1.0 2.7 7.1 0.7 2.5 3.5 3.1 3.5
Three-year change (percent) 1992 20.0 1995 -6.7 1998 -14.3 2001 29.2 2004 12.9 2007 48.6 2010 -42.3
26.2 -46.2 63.2 58.1 -53.1 143.5 -40.5
-32.6 56.0 -34.5 32.3 -6.5 -8.7 -4.8
170.0 163.0 -90.1 257.1 40.0 -11.4 12.9
Mean value of other financial assets for families with holdings By current work status of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of other financial assets for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 19.1 1992 19.8 1995 27.0 1998 17.7 2001 30.2 2004 23.9 2007 49.5 2010 37.1
82.0 67.3 63.1 49.0 102.4 135.2 74.4 120.0
61.4 70.9 67.6 68.1 67.6 35.3 51.7 88.2
36.1 8.6 22.8 16.6 14.1 10.8 23.6 66.9
Three-year change (percent) 1992 3.7 1995 36.4 1998 -34.4 2001 70.6 2004 -20.9 2007 107.1 2010 -25.1
-17.9 -6.2 -22.3 109.0 32.0 -45.0 61.3
15.5 -4.7 0.7 -0.7 -47.8 46.5 70.6
-76.2 165.1 -27.2 -15.1 -23.4 118.5 183.5
Percent of families with other financial assets By current occupation of head
20
Percent
15
10
5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
-1.6 1.8 -3.6 0.3 -1.6 0.5 -1.6
2010
Technical, sales, or services Retired or other not working
Percent of families with other financial assets Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 19.7 13.3 13.8 1992 13.6 11.7 10.0 1995 12.6 13.5 11.7 1998 12.1 9.9 8.4 2001 11.1 10.2 8.4 2004 13.2 8.6 8.5 2007 11.0 9.1 9.8 2010 10.2 7.5 6.2 Three-year change (percentage points) 1992 -6.1 1995 -1.0 1998 -0.5 2001 -1.0 2004 2.1 2007 -2.2 2010 -0.8
2007
-3.8 1.7 -3.3 0.0 0.1 1.3 -3.6
Retired or other not working 10.0 8.9 8.0 7.5 7.8 8.9 7.5 7.5 -1.1 -0.9 -0.5 0.3 1.1 -1.4 0.0
Median value of other financial assets for families with holdings By current occupation of head
Thousands of 2010 dollars
10 8 6 4 2 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of other financial assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 4.2 1.7 3.4 1992 7.6 3.0 3.0 1995 5.7 2.8 2.2 1998 4.0 4.0 2.3 2001 6.1 3.3 2.5 2004 6.9 3.5 2.3 2007 10.5 5.2 5.2 2010 9.0 2.5 2.8 Year
Three-year change (percent) 1992 81.0 1995 -25.0 1998 -29.8 2001 52.5 2004 13.1 2007 52.2 2010 -14.3
76.5 -6.7 42.9 -17.5 6.1 48.6 -51.9
-11.8 -26.7 4.5 8.7 -8.0 126.1 -46.2
Retired or other not working 10.0 4.5 9.9 8.0 9.8 8.1 5.8 7.0 -55.0 120.0 -19.2 22.5 -17.3 -28.4 20.7
Mean value of other financial assets for families with holdings By current occupation of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of other financial assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 54.1 13.6 21.7 1992 45.9 29.0 16.9 1995 48.1 37.1 19.0 1998 43.8 15.7 7.3 2001 67.3 33.9 21.7 2004 85.2 22.5 9.3 2007 95.7 28.7 20.4 2010 85.1 17.3 38.7 Year
Three-year change (percent) 1992 -15.2 1995 4.8 1998 -8.9 2001 53.7 2004 26.6 2007 12.3 2010 -11.1
113.2 27.9 -57.7 115.9 -33.6 27.6 -39.7
-22.1 12.4 -61.6 197.3 -57.1 119.4 89.7
Retired or other not working 55.8 46.2 54.2 55.1 60.4 30.4 45.7 83.1 -17.2 17.3 1.7 9.6 -49.7 50.3 81.8
Percent of families with other financial assets By region
20
Percent
15
10
5 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
Three-year change (percentage points) 1992 -4.3 1995 1.8 1998 -0.2 2001 -1.6 2004 0.4 2007 -3.2 2010 1.7
2010
South
Percent of families with other financial assets Region Northeast Midwest South 12.5 8.2 10.0 9.8 8.2 8.6 5.4 7.1
2007
West
11.2 10.8 10.4 7.0 7.4 10.7 9.3 7.3
13.1 9.6 9.8 9.6 8.3 9.5 8.5 7.2
19.2 15.5 15.3 11.3 14.4 11.0 13.9 10.8
-0.4 -0.4 -3.4 0.4 3.3 -1.4 -2.0
-3.5 0.2 -0.2 -1.3 1.2 -1.0 -1.3
-3.7 -0.2 -4.0 3.1 -3.4 2.9 -3.1
Median value of other financial assets for families with holdings By region
Thousands of 2010 dollars
10 8 6 4 2 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of other financial assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 8.4 1992 7.6 1995 4.2 1998 6.0 2001 6.1 2004 4.6 2007 10.5 2010 6.5 Three-year change (percent) 1992 -9.5 1995 -44.7 1998 42.9 2001 1.7 2004 -24.6 2007 128.3 2010 -38.1
Midwest
South
West
5.1 3.8 5.7 1.7 4.9 4.6 6.3 3.0
2.5 3.8 3.1 4.0 3.7 4.3 4.2 5.0
3.4 3.0 5.7 5.3 6.1 5.8 6.3 8.0
-25.5 50.0 -70.2 188.2 -6.1 37.0 -52.4
52.0 -18.4 29.0 -7.5 16.2 -2.3 19.0
-11.8 90.0 -7.0 15.1 -4.9 8.6 27.0
Mean value of other financial assets for families with holdings By region
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of other financial assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 58.3 1992 39.6 1995 44.5 1998 25.7 2001 94.3 2004 39.8 2007 77.6 2010 79.3 Three-year change (percent) 1992 -32.1 1995 12.4 1998 -42.2 2001 266.9 2004 -57.8 2007 95.0 2010 2.2
Midwest
South
West
30.5 33.5 45.5 38.4 37.9 42.1 57.9 46.5
25.0 41.1 33.8 32.5 35.6 33.6 46.0 44.9
44.1 31.8 35.4 31.5 43.0 69.8 47.8 88.5
9.8 35.8 -15.6 -1.3 11.1 37.5 -19.7
64.4 -17.8 -3.8 9.5 -5.6 36.9 -2.4
-27.9 11.3 -11.0 36.5 62.3 -31.5 85.1
Percent of families with other financial assets By urbanicity
14
Percent
12
10
8
6 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with other financial assets Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 14.3 11.6 11.5 9.8 9.7 10.4 9.5 8.1
Three-year change (percentage points) 1992 -2.7 1995 -0.1 1998 -1.7 2001 -0.1 2004 0.7 2007 -0.9 2010 -1.4
2010
11.5 7.4 9.2 6.7 7.9 7.9 8.5 7.5 -4.1 1.8 -2.5 1.2 0.0 0.6 -1.0
Median value of other financial assets for families with holdings By urbanicity
Thousands of 2010 dollars
8 7 6 5 4 3 2 1989
1992
1995
1998
2001
2004
2007
2010
Year Metropolitan Statistical Area (MSA)
Non−MSA
Median value of other financial assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 3.5 1992 3.8 1995 4.4 1998 4.0 2001 5.5 2004 5.5 2007 8.4 2010 5.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
8.6 15.8 -9.1 37.5 0.0 52.7 -40.5
Non-MSA
3.4 5.3 2.8 2.4 4.3 2.3 2.5 4.0 55.9 -47.2 -14.3 79.2 -46.5 8.7 60.0
Mean value of other financial assets for families with holdings By urbanicity
Thousands of 2010 dollars
70 60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of other financial assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 41.8 1992 34.9 1995 41.3 1998 33.9 2001 52.9 2004 51.3 2007 58.2 2010 71.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-16.5 18.3 -17.9 56.0 -3.0 13.5 23.5
2010
Non-MSA
16.6 45.5 20.8 14.9 12.4 9.0 23.0 22.7 174.1 -54.3 -28.4 -16.8 -27.4 155.6 -1.3
Percent of families with other financial assets By housing status
16
Percent
14
12
10
8 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with other financial assets Housing status Owner Renter or other 13.2 9.7 9.5 8.7 8.8 9.6 9.4 7.6
Three-year change (percentage points) 1992 -3.5 1995 -0.2 1998 -0.8 2001 0.1 2004 0.8 2007 -0.2 2010 -1.8
14.7 12.9 14.0 10.8 10.6 10.9 9.1 8.7 -1.8 1.1 -3.2 -0.2 0.3 -1.8 -0.4
2010
Median value of other financial assets for families with holdings By housing status
Thousands of 2010 dollars
10
8
6
4
2 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Median value of other financial assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 6.7 1992 7.6 1995 7.1 1998 6.7 2001 7.4 2004 6.9 2007 10.5 2010 8.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
13.4 -6.6 -5.6 10.4 -6.8 52.2 -23.8
Renter or other 1.7 2.3 2.2 1.3 2.5 2.3 2.1 3.0 35.3 -4.3 -40.9 92.3 -8.0 -8.7 42.9
Mean value of other financial assets for families with holdings By housing status
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of other financial assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 49.6 1992 54.9 1995 53.1 1998 41.1 2001 60.6 2004 62.2 2007 70.4 2010 87.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
10.7 -3.3 -22.6 47.4 2.6 13.2 24.6
Renter or other 19.2 11.5 21.0 17.3 26.8 12.8 13.1 21.0 -40.1 82.6 -17.6 54.9 -52.2 2.3 60.3
2010
Percent of families with other financial assets By percentile of net worth
30
Percent
25 20 15 10 5 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with other financial assets Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 9.3 15.7 10.5 15.0 1992 7.5 10.4 11.8 11.4 1995 9.1 10.4 11.6 10.8 1998 7.9 10.0 8.2 10.3 2001 7.8 8.8 8.6 9.8 2004 6.9 9.5 10.2 11.2 2007 7.4 8.9 8.6 9.4 2010 5.9 8.5 7.2 8.0 Three-year change (percentage points) 1992 -1.8 -5.3 1995 1.6 0.0 1998 -1.2 -0.4 2001 -0.1 -1.2 2004 -0.9 0.7 2007 0.5 -0.6 2010 -1.5 -0.4
1.3 -0.2 -3.4 0.4 1.6 -1.6 -1.4
2010
-3.6 -0.6 -0.5 -0.5 1.4 -1.8 -1.4
90-100 26.5 16.9 17.3 13.0 16.2 16.4 16.6 13.7 -9.6 0.4 -4.3 3.2 0.2 0.2 -2.9
Median value of other financial assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of other financial assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.0 2.5 1992 1.0 3.0 1995 1.1 2.1 1998 0.7 2.3 2001 1.2 2.8 2004 0.8 2.3 2007 1.3 3.1 2010 1.0 3.0 Three-year change (percent) 1992 0.0 1995 10.0 1998 -36.4 2001 71.4 2004 -33.3 2007 62.5 2010 -23.1
20.0 -30.0 9.5 21.7 -17.9 34.8 -3.2
Percentile of net worth 50-74.9
75-89.9
90-100
5.1 4.4 6.8 8.0 5.5 5.8 10.5 5.0
8.4 8.3 14.2 9.0 12.3 8.1 21.0 10.0
25.3 45.5 42.5 26.7 40.4 46.0 52.4 70.0
-13.7 54.5 17.6 -31.2 5.5 81.0 -52.4
-1.2 71.1 -36.6 36.7 -34.1 159.3 -52.4
79.8 -6.6 -37.2 51.3 13.9 13.9 33.6
Mean value of other financial assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of other financial assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.8 6.9 1992 1.9 6.7 1995 2.6 5.5 1998 2.7 7.8 2001 2.8 6.7 2004 2.4 9.3 2007 2.5 10.8 2010 3.4 9.0 Three-year change (percent) 1992 5.6 1995 36.8 1998 3.8 2001 3.7 2004 -14.3 2007 4.2 2010 36.0
-2.9 -17.9 41.8 -14.1 38.8 16.1 -16.7
Percentile of net worth 50-74.9
75-89.9
90-100
15.7 15.8 19.7 23.1 12.8 17.7 21.9 15.6
27.1 28.3 43.2 28.6 37.3 20.8 61.7 40.7
146.2 163.1 164.1 140.7 216.9 211.9 196.9 299.7
0.6 24.7 17.3 -44.6 38.3 23.7 -28.8
4.4 52.7 -33.8 30.4 -44.2 196.6 -34.0
11.6 0.6 -14.3 54.2 -2.3 -7.1 52.2
Percent of families with stock holdings For all families
55
Percent
50
45
40
35
30 1989
1992
1995
1998 2001 Year
2004
Percent of families with stock holdings Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 31.8 36.9 40.5 48.9 53.0 50.3 53.2 49.9 5.1 3.6 8.4 4.1 -2.7 2.9 -3.3
2007
2010
Median value of stock holdings for families with holdings For all families
Thousands of 2010 dollars
45 40 35 30 25 20 15 1989
1992
1995
1998 2001 Year
2004
2007
Median value of stock holdings for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 14.3 15.9 20.5 33.3 42.9 37.7 35.5 29.0 11.2 28.9 62.4 28.8 -12.1 -5.8 -18.3
2010
Mean value of stock holdings for families with holdings For all families
Thousands of 2010 dollars
250
200
150
100 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of stock holdings for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 95.6 95.9 128.2 197.9 251.1 222.6 237.3 213.0 0.3 33.7 54.4 26.9 -11.4 6.6 -10.2
2010
Percent of families with stock holdings By percentile of income
100
Percent
80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
20−39.9 80−89.9
2007
2010
40−59.9 90−100
Percent of families with stock holdings Year
Less than 20 Level (percent) 1989 3.6 1992 7.4 1995 6.5 1998 10.0 2001 13.3 2004 11.7 2007 14.3 2010 12.5
20-39.9
15.2 20.2 24.7 30.8 34.9 29.8 36.5 30.5
Three-year change (percentage points) 1992 3.8 5.0 1995 -0.9 4.5 1998 3.5 6.1 2001 3.3 4.1 2004 -1.6 -5.1 2007 2.6 6.7 2010 -1.8 -6.0
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
28.6 34.0 41.7 50.2 53.7 51.9 52.9 51.7
44.2 51.4 54.5 69.4 76.3 69.9 73.3 68.1
57.6 66.1 69.7 77.9 82.9 83.9 86.3 82.6
76.9 77.3 80.1 90.4 90.2 92.7 91.5 90.6
5.4 7.7 8.5 3.5 -1.8 1.0 -1.2
7.2 3.1 14.9 6.9 -6.4 3.4 -5.2
8.5 3.6 8.2 5.0 1.0 2.4 -3.7
0.4 2.8 10.3 -0.2 2.5 -1.2 -0.9
Median value of stock holdings for families with holdings By percentile of income
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of stock holdings for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 25.3 10.1 1992 12.1 6.1 1995 5.3 8.9 1998 6.7 13.3 2001 8.7 10.7 2004 8.6 11.5 2007 6.3 8.7 2010 5.3 7.1 Three-year change (percent) 1992 -52.2 -39.6 1995 -56.2 45.9 1998 26.4 49.4 2001 29.9 -19.5 2004 -1.1 7.5 2007 -26.7 -24.3 2010 -15.9 -18.4
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
7.8 7.6 8.8 16.0 18.4 16.9 18.3 12.0
10.0 12.3 17.7 25.6 38.0 30.6 35.2 22.3
16.0 21.4 35.4 60.0 79.6 65.0 66.1 57.9
66.7 71.3 85.3 182.1 306.3 235.8 234.7 267.5
-2.6 15.8 81.8 15.0 -8.2 8.3 -34.4
23.0 43.9 44.6 48.4 -19.5 15.0 -36.6
33.8 65.4 69.5 32.7 -18.3 1.7 -12.4
6.9 19.6 113.5 68.2 -23.0 -0.5 14.0
Mean value of stock holdings for families with holdings By percentile of income
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of stock holdings for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 46.9 23.0 1992 20.7 24.5 1995 34.6 45.3 1998 38.5 49.6 2001 63.0 54.3 2004 58.5 46.6 2007 67.4 45.8 2010 99.7 41.0 Three-year change (percent) 1992 -55.9 6.5 1995 67.1 84.9 1998 11.3 9.5 2001 63.6 9.5 2004 -7.1 -14.2 2007 15.2 -1.7 2010 47.9 -10.5
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
29.9 30.6 39.9 51.8 86.0 68.8 59.9 59.5
40.4 42.4 62.7 86.0 127.2 100.5 125.4 84.8
54.3 65.8 102.2 145.8 201.7 162.7 145.6 156.7
272.1 302.1 398.3 713.3 910.6 786.8 914.0 778.9
2.3 30.4 29.8 66.0 -20.0 -12.9 -0.7
5.0 47.9 37.2 47.9 -21.0 24.8 -32.4
21.2 55.3 42.7 38.3 -19.3 -10.5 7.6
11.0 31.8 79.1 27.7 -13.6 16.2 -14.8
Percent of families with stock holdings By age of head
70
Percent
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Less than 35 55−64
2004
35−44 65−74
2007
2010
45−54 75 or older
Percent of families with stock holdings Year
Less than 35 Level (percent) 1989 22.6 1992 28.8 1995 36.7 1998 40.8 2001 49.7 2004 40.8 2007 41.6 2010 39.8
35-44
39.0 42.6 46.6 56.7 60.6 54.5 55.9 50.1
Three-year change (percentage points) 1992 6.2 3.6 1995 7.9 4.0 1998 4.1 10.1 2001 8.9 3.9 2004 -8.9 -6.1 2007 0.8 1.4 2010 -1.8 -5.8
Age of head 45-54 55-64
65-74
75 or older
42.1 46.9 49.0 58.7 60.2 56.6 63.1 58.0
36.2 45.4 40.1 56.0 58.7 63.2 60.8 59.7
26.7 30.2 34.4 42.7 40.0 46.9 53.1 45.6
25.9 25.7 27.9 29.4 35.7 34.8 40.2 42.0
4.8 2.1 9.7 1.5 -3.6 6.5 -5.1
9.2 -5.3 15.9 2.7 4.5 -2.4 -1.1
3.5 4.2 8.3 -2.7 6.9 6.2 -7.5
-0.2 2.2 1.5 6.3 -0.9 5.4 1.8
Median value of stock holdings for families with holdings By age of head
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of stock holdings for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 5.1 8.7 1992 5.2 11.4 1995 7.1 14.2 1998 9.3 26.7 2001 8.6 35.1 2004 9.2 23.0 2007 6.8 25.7 2010 7.0 19.8 Three-year change (percent) 1992 2.0 31.0 1995 36.5 24.6 1998 31.0 88.0 2001 -7.5 31.5 2004 7.0 -34.5 2007 -26.1 11.7 2010 2.9 -23.0
Age of head 45-54 55-64
65-74
75 or older
22.8 22.7 36.7 50.7 61.3 57.5 47.1 37.8
31.0 37.9 43.9 62.7 99.5 80.5 81.7 56.0
34.2 25.0 48.2 74.7 184.2 80.5 58.1 76.9
42.2 37.9 28.3 80.0 134.8 98.8 47.1 55.0
-0.4 61.7 38.1 20.9 -6.2 -18.1 -19.7
22.3 15.8 42.8 58.7 -19.1 1.5 -31.5
-26.9 92.8 55.0 146.6 -56.3 -27.8 32.4
-10.2 -25.3 182.7 68.5 -26.7 -52.3 16.8
Mean value of stock holdings for families with holdings
Thousands of 2010 dollars
By age of head
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of stock holdings for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 22.4 56.4 1992 20.2 46.9 1995 21.9 64.2 1998 45.3 119.2 2001 57.6 126.9 2004 29.0 122.2 2007 32.7 114.5 2010 27.1 104.7 Three-year change (percent) 1992 -9.8 -16.8 1995 8.4 36.9 1998 106.8 85.7 2001 27.2 6.5 2004 -49.7 -3.7 2007 12.8 -6.3 2010 -17.1 -8.6
Age of head 45-54 55-64
65-74
75 or older
113.1 123.7 158.1 202.1 280.1 234.4 231.0 207.8
134.0 164.1 245.7 357.6 442.1 376.1 387.2 331.9
178.5 170.1 230.3 385.3 535.1 407.7 474.1 378.2
187.7 151.7 265.8 330.1 468.3 317.7 333.2 321.8
9.4 27.8 27.8 38.6 -16.3 -1.5 -10.0
22.5 49.7 45.5 23.6 -14.9 3.0 -14.3
-4.7 35.4 67.3 38.9 -23.8 16.3 -20.2
-19.2 75.2 24.2 41.9 -32.2 4.9 -3.4
Percent of families with stock holdings By family structure
70
Percent
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with stock holdings Year
Single with child(ren)
Level (percent) 1989 16.2 1992 19.6 1995 24.2 1998 30.8 2001 32.1 2004 28.2 2007 33.8 2010 34.0
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
24.9 29.3 36.4 43.5 48.0 43.4 47.6 40.6
20.5 26.2 25.1 32.9 34.7 37.0 40.0 38.5
37.5 44.3 48.6 59.0 65.5 59.4 60.1 57.5
42.8 46.8 48.5 56.0 58.5 60.9 63.9 59.6
5.7 -1.1 7.8 1.8 2.3 3.0 -1.5
6.8 4.3 10.4 6.5 -6.1 0.7 -2.6
4.0 1.7 7.5 2.5 2.4 3.0 -4.3
Three-year change (percentage points) 1992 3.4 4.4 1995 4.6 7.1 1998 6.6 7.1 2001 1.3 4.5 2004 -3.9 -4.6 2007 5.6 4.2 2010 0.2 -7.0
Median value of stock holdings for families with holdings By family structure
Thousands of 2010 dollars
80 60 40 20 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of stock holdings for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 6.7 8.4 1992 6.7 9.1 1995 8.5 11.3 1998 16.7 16.0 2001 12.3 17.8 2004 11.5 15.0 2007 14.1 16.8 2010 9.6 12.1 Three-year change (percent) 1992 0.0 1995 26.9 1998 96.5 2001 -26.3 2004 -6.5 2007 22.6 2010 -31.9
8.3 24.2 41.6 11.2 -15.7 12.0 -28.0
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
25.3 23.5 28.3 51.1 71.1 69.0 49.5 40.7
11.8 13.6 21.2 34.0 39.2 32.2 33.6 28.0
26.7 25.8 31.3 57.4 77.2 63.3 52.4 53.8
-7.1 20.4 80.6 39.1 -3.0 -28.3 -17.8
15.3 55.9 60.4 15.3 -17.9 4.3 -16.7
-3.4 21.3 83.4 34.5 -18.0 -17.2 2.7
Mean value of stock holdings for families with holdings By family structure
Thousands of 2010 dollars
400 300 200 100 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of stock holdings for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 41.3 52.6 1992 30.7 61.0 1995 44.3 45.6 1998 118.2 82.7 2001 61.1 121.6 2004 79.7 83.0 2007 114.0 90.8 2010 74.7 73.2 Three-year change (percent) 1992 -25.7 1995 44.3 1998 166.8 2001 -48.3 2004 30.4 2007 43.0 2010 -34.5
16.0 -25.2 81.4 47.0 -31.7 9.4 -19.4
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
92.2 113.7 219.2 247.1 297.6 210.1 220.4 212.6
78.3 77.9 105.6 151.7 209.4 200.3 205.2 208.0
149.9 139.6 186.5 320.0 384.4 341.5 364.3 307.5
23.3 92.8 12.7 20.4 -29.4 4.9 -3.5
-0.5 35.6 43.7 38.0 -4.3 2.4 1.4
-6.9 33.6 71.6 20.1 -11.2 6.7 -15.6
Percent of families with stock holdings By education of head
80
Percent
60
40
20
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with stock holdings Year
No high school diploma Level (percent) 1989 10.0 1992 10.9 1995 15.4 1998 17.9 2001 16.8 2004 14.4 2007 20.1 2010 15.0
Education of head High school Some college diploma
Three-year change (percentage points) 1992 0.9 1995 4.5 1998 2.5 2001 -1.1 2004 -2.4 2007 5.7 2010 -5.1
College degree
26.5 29.8 32.9 41.2 44.9 41.1 42.3 39.1
38.0 40.2 43.0 53.7 55.1 48.8 54.2 46.4
53.4 58.5 61.9 69.1 76.4 72.9 75.5 72.1
3.3 3.1 8.3 3.7 -3.8 1.2 -3.2
2.2 2.8 10.7 1.4 -6.3 5.4 -7.8
5.1 3.4 7.2 7.3 -3.5 2.6 -3.4
Median value of stock holdings for families with holdings By education of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of stock holdings for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 12.6 1992 7.6 1995 7.1 1998 14.0 2001 12.3 2004 10.4 2007 10.5 2010 7.5 Three-year change (percent) 1992 -39.7 1995 -6.6 1998 97.2 2001 -12.1 2004 -15.4 2007 1.0 2010 -28.6
Education of head High school Some college diploma
College degree
12.6 9.1 14.2 20.7 19.6 20.3 17.6 13.2
12.0 15.1 14.9 24.7 28.2 20.3 19.4 17.0
21.1 25.8 33.3 60.0 85.8 68.5 66.8 57.7
-27.8 56.0 45.8 -5.3 3.6 -13.3 -25.0
25.8 -1.3 65.8 14.2 -28.0 -4.4 -12.4
22.3 29.1 80.2 43.0 -20.2 -2.5 -13.6
Mean value of stock holdings for families with holdings By education of head
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of stock holdings for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 45.2 1992 34.6 1995 36.0 1998 42.9 2001 72.1 2004 55.1 2007 69.2 2010 39.6 Three-year change (percent) 1992 -23.5 1995 4.0 1998 19.2 2001 68.1 2004 -23.6 2007 25.6 2010 -42.8
Education of head High school Some college diploma
College degree
42.0 48.1 64.0 95.9 88.9 77.2 88.1 66.5
63.8 66.7 107.8 131.6 147.9 126.0 104.7 79.2
147.3 137.4 186.0 304.9 399.1 336.7 381.9 335.9
14.5 33.1 49.8 -7.3 -13.2 14.1 -24.5
4.5 61.6 22.1 12.4 -14.8 -16.9 -24.4
-6.7 35.4 63.9 30.9 -15.6 13.4 -12.0
Percent of families with stock holdings By race or ethnicity of respondent
60
Percent
50 40 30 20 10 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with stock holdings Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 38.2 43.4 45.1 54.7 58.7 58.7 60.0 58.2
Three-year change (percentage points) 1992 5.2 1995 1.7 1998 9.6 2001 4.0 2004 0.0 2007 1.3 2010 -1.8
12.6 17.4 24.3 29.8 35.5 28.5 36.6 32.6 4.8 6.9 5.5 5.7 -7.0 8.1 -4.0
Median value of stock holdings for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of stock holdings for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 16.5 5.1 1992 17.4 10.8 1995 22.7 9.2 1998 40.0 13.3 2001 52.7 13.5 2004 46.7 14.4 2007 41.9 15.7 2010 35.7 11.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
5.5 30.5 76.2 31.8 -11.4 -10.3 -14.8
111.8 -14.8 44.6 1.5 6.7 9.0 -28.0
Mean value of stock holdings for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of stock holdings for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 102.6 33.2 1992 102.7 44.6 1995 139.8 53.3 1998 217.8 76.4 2001 286.1 74.1 2004 249.8 77.2 2007 278.8 73.3 2010 243.3 100.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
0.1 36.1 55.8 31.4 -12.7 11.6 -12.7
34.3 19.5 43.3 -3.0 4.2 -5.1 37.5
Percent of families with stock holdings By current work status of head
60
Percent
50 40 30 20 10 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with stock holdings Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
37.2 44.0 48.7 57.1 60.9 55.4 60.0 57.0
Three-year change (percentage points) 1992 6.8 1995 4.7 1998 8.4 2001 3.8 2004 -5.5 2007 4.6 2010 -3.0
Other not working
36.2 46.9 41.7 55.2 57.2 60.8 58.5 55.6
23.9 25.3 28.2 32.9 34.3 36.0 39.5 37.9
7.6 13.5 11.9 17.1 29.5 28.8 26.4 24.7
10.7 -5.2 13.5 2.0 3.6 -2.3 -2.9
1.4 2.9 4.7 1.4 1.7 3.5 -1.6
5.9 -1.6 5.2 12.4 -0.7 -2.4 -1.7
Median value of stock holdings for families with holdings By current work status of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of stock holdings for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 10.7 1992 12.9 1995 15.9 1998 24.3 2001 29.3 2004 25.9 2007 29.9 2010 21.0
33.7 25.8 41.3 78.7 122.5 68.8 83.8 75.4
33.7 26.8 38.9 70.0 140.9 91.4 42.8 52.1
8.4 11.4 14.2 20.0 39.2 17.3 8.4 10.0
Three-year change (percent) 1992 20.6 1995 23.3 1998 52.8 2001 20.6 2004 -11.6 2007 15.4 2010 -29.8
-23.4 60.1 90.6 55.7 -43.8 21.8 -10.0
-20.5 45.1 79.9 101.3 -35.1 -53.2 21.7
35.7 24.6 40.8 96.0 -55.9 -51.4 19.0
Mean value of stock holdings for families with holdings By current work status of head
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of stock holdings for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 58.2 1992 64.3 1995 90.5 1998 116.8 2001 150.7 2004 144.0 2007 156.5 2010 146.9
234.2 206.1 240.4 433.0 550.2 403.8 590.4 481.4
137.1 133.3 216.9 359.7 469.1 376.9 332.2 271.9
67.9 49.8 75.9 172.1 258.0 216.4 82.4 148.0
Three-year change (percent) 1992 10.5 1995 40.7 1998 29.1 2001 29.0 2004 -4.4 2007 8.7 2010 -6.1
-12.0 16.6 80.1 27.1 -26.6 46.2 -18.5
-2.8 62.7 65.8 30.4 -19.7 -11.9 -18.2
-26.7 52.4 126.7 49.9 -16.1 -61.9 79.6
Percent of families with stock holdings By current occupation of head
80 70
Percent
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with stock holdings Year
Managerial or professional Level (percent) 1989 53.3 1992 61.3 1995 65.1 1998 71.8 2001 73.7 2004 71.9 2007 75.7 2010 72.4
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 8.0 1995 3.8 1998 6.7 2001 1.9 2004 -1.8 2007 3.8 2010 -3.3
Retired or other not working
31.1 38.6 42.0 49.6 51.6 46.9 51.9 45.5
27.9 33.0 39.0 48.4 53.3 45.6 47.2 46.8
20.5 22.5 24.9 30.2 33.5 34.9 37.5 35.0
7.5 3.4 7.6 2.0 -4.7 5.0 -6.4
5.1 6.0 9.4 4.9 -7.7 1.6 -0.4
2.0 2.4 5.3 3.3 1.4 2.6 -2.5
Median value of stock holdings for families with holdings By current occupation of head
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of stock holdings for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 21.4 7.6 9.3 1992 24.6 10.6 8.1 1995 34.7 15.6 9.9 1998 58.7 20.2 14.7 2001 73.5 21.7 14.7 2004 56.6 23.0 16.3 2007 62.4 24.6 15.7 2010 53.5 14.4 13.5 Year
Three-year change (percent) 1992 15.0 1995 41.1 1998 69.2 2001 25.2 2004 -23.0 2007 10.2 2010 -14.3
39.5 47.2 29.5 7.4 6.0 7.0 -41.5
-12.9 22.2 48.5 0.0 10.9 -3.7 -14.0
Retired or other not working 30.4 23.7 31.1 66.7 122.5 74.8 37.2 45.0 -22.0 31.2 114.5 83.7 -38.9 -50.3 21.0
Mean value of stock holdings for families with holdings By current occupation of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of stock holdings for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 133.7 58.7 33.7 1992 135.4 67.2 25.1 1995 186.2 83.2 36.5 1998 275.3 112.9 55.7 2001 353.9 121.1 63.2 2004 288.1 120.4 61.3 2007 356.2 117.4 50.4 2010 316.6 101.6 51.8 Year
Three-year change (percent) 1992 1.3 1995 37.5 1998 47.9 2001 28.6 2004 -18.6 2007 23.6 2010 -11.1
14.5 23.8 35.7 7.3 -0.6 -2.5 -13.5
-25.5 45.4 52.6 13.5 -3.0 -17.8 2.8
Retired or other not working 131.8 121.5 203.2 341.4 438.8 356.3 304.7 253.1 -7.8 67.2 68.0 28.5 -18.8 -14.5 -16.9
Percent of families with stock holdings By region
60
Percent
50
40
30
20 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with stock holdings Region Year Northeast Level (percent) 1989 36.3 1992 40.3 1995 46.4 1998 49.3 2001 50.8 2004 57.4 2007 55.6 2010 54.3
Midwest
South
West
34.8 43.2 43.8 50.6 60.0 57.3 57.1 52.6
25.0 31.5 36.3 45.8 48.6 42.6 48.9 45.3
34.9 35.5 38.0 51.9 54.8 49.8 54.1 51.2
8.4 0.6 6.8 9.4 -2.7 -0.2 -4.5
6.5 4.8 9.5 2.8 -6.0 6.3 -3.6
0.6 2.5 13.9 2.9 -5.0 4.3 -2.9
Three-year change (percentage points) 1992 4.0 1995 6.1 1998 2.9 2001 1.5 2004 6.6 2007 -1.8 2010 -1.3
Median value of stock holdings for families with holdings By region
Thousands of 2010 dollars
70 60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of stock holdings for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 15.0 1992 15.2 1995 28.3 1998 43.0 2001 67.4 2004 51.4 2007 42.4 2010 34.7 Three-year change (percent) 1992 1.3 1995 86.2 1998 51.9 2001 56.7 2004 -23.7 2007 -17.5 2010 -18.2
Midwest
South
West
16.9 18.6 20.5 29.3 41.7 42.0 31.4 21.0
13.9 11.4 17.0 32.0 36.1 27.6 31.4 27.6
12.6 20.9 18.7 34.9 39.2 31.7 36.0 31.8
10.1 10.2 42.9 42.3 0.7 -25.2 -33.1
-18.0 49.1 88.2 12.8 -23.5 13.8 -12.1
65.9 -10.5 86.6 12.3 -19.1 13.6 -11.7
Mean value of stock holdings for families with holdings By region
Thousands of 2010 dollars
350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of stock holdings for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 96.8 1992 99.1 1995 143.9 1998 214.9 2001 337.8 2004 271.0 2007 292.8 2010 272.2 Three-year change (percent) 1992 2.4 1995 45.2 1998 49.3 2001 57.2 2004 -19.8 2007 8.0 2010 -7.0
Midwest
South
West
93.4 81.2 117.2 163.2 206.2 198.1 218.1 175.5
99.2 96.7 121.4 208.4 242.3 217.3 224.0 193.4
92.6 112.3 135.4 205.2 246.2 211.9 231.0 229.4
-13.1 44.3 39.2 26.3 -3.9 10.1 -19.5
-2.5 25.5 71.7 16.3 -10.3 3.1 -13.7
21.3 20.6 51.6 20.0 -13.9 9.0 -0.7
Percent of families with stock holdings By urbanicity
55 50
Percent
45 40 35 30 25 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
2007
Non−MSA
Percent of families with stock holdings Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
33.3 39.1 42.6 50.9 54.0 52.8 55.7 52.0
25.1 27.6 28.2 37.2 46.4 38.4 41.0 39.9
Three-year change (percentage points) 1992 5.8 1995 3.5 1998 8.3 2001 3.1 2004 -1.2 2007 2.9 2010 -3.7
2010
2.5 0.6 9.0 9.2 -8.0 2.6 -1.1
Median value of stock holdings for families with holdings By urbanicity
Thousands of 2010 dollars
50
40
30
20
10 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of stock holdings for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 14.3 1992 16.7 1995 21.2 1998 35.3 2001 46.6 2004 42.7 2007 37.7 2010 31.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
16.8 26.9 66.5 32.0 -8.4 -11.7 -15.9
2010
Non-MSA
16.9 12.1 14.9 24.7 22.7 17.3 21.5 15.0 -28.4 23.1 65.8 -8.1 -23.8 24.3 -30.2
Mean value of stock holdings for families with holdings By urbanicity
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of stock holdings for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 100.8 1992 104.9 1995 136.5 1998 213.9 2001 270.0 2004 245.8 2007 258.8 2010 236.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
4.1 30.1 56.7 26.2 -9.0 5.3 -8.7
2010
Non-MSA
66.3 39.8 55.0 70.2 114.6 68.8 95.8 67.1 -40.0 38.2 27.6 63.2 -40.0 39.2 -30.0
Percent of families with stock holdings By housing status
70 60
Percent
50 40 30 20 10 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with stock holdings Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
42.0 45.9 48.8 59.8 63.2 61.0 64.6 61.3
13.6 21.2 25.1 27.5 31.5 26.5 28.1 26.3
Three-year change (percentage points) 1992 3.9 1995 2.9 1998 11.0 2001 3.4 2004 -2.2 2007 3.6 2010 -3.3
7.6 3.9 2.4 4.0 -5.0 1.6 -1.8
2010
Median value of stock holdings for families with holdings By housing status
Thousands of 2010 dollars
60 50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of stock holdings for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 16.9 1992 19.7 1995 25.5 1998 45.4 2001 61.3 2004 51.8 2007 41.9 2010 39.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
16.6 29.4 78.0 35.0 -15.5 -19.1 -4.8
Renter or other 5.1 7.2 9.0 10.0 8.6 10.1 8.2 6.0 41.2 25.0 11.1 -14.0 17.4 -18.8 -26.8
2010
Mean value of stock holdings for families with holdings By housing status
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of stock holdings for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 103.0 1992 110.9 1995 148.1 1998 229.8 2001 294.3 2004 255.8 2007 270.0 2010 246.1 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
7.7 33.5 55.2 28.1 -13.1 5.6 -8.9
Renter or other 55.4 38.6 57.2 61.5 69.7 52.0 72.7 54.6 -30.3 48.2 7.5 13.3 -25.4 39.8 -24.9
2010
Percent of families with stock holdings By percentile of net worth
100
Percent
80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with stock holdings Year Less than 25 Level (percent) 1989 3.7 1992 8.5 1995 12.5 1998 16.2 2001 19.8 2004 13.5 2007 18.5 2010 18.9
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
24.6 28.6 35.8 42.9 44.2 42.0 46.5 39.8
35.9 45.3 44.9 55.4 63.2 59.4 61.6 57.9
54.5 58.5 61.1 76.4 80.2 83.2 83.3 77.4
75.6 75.7 80.1 88.3 91.4 91.1 90.1 91.4
9.4 -0.4 10.5 7.8 -3.8 2.2 -3.7
4.0 2.6 15.3 3.8 3.0 0.1 -5.9
0.1 4.4 8.2 3.1 -0.3 -1.0 1.3
Three-year change (percentage points) 1992 4.8 4.0 1995 4.0 7.2 1998 3.7 7.1 2001 3.6 1.3 2004 -6.3 -2.2 2007 5.0 4.5 2010 0.4 -6.7
Median value of stock holdings for families with holdings By percentile of net worth
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of stock holdings for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.0 3.9 1992 1.5 4.5 1995 1.4 7.1 1998 2.4 8.7 2001 2.3 8.6 2004 2.3 9.2 2007 2.1 8.8 2010 2.3 6.0 Three-year change (percent) 1992 50.0 1995 -6.7 1998 71.4 2001 -4.2 2004 0.0 2007 -8.7 2010 9.5
15.4 57.8 22.5 -1.1 7.0 -4.3 -31.8
Percentile of net worth 50-74.9
75-89.9
90-100
9.8 12.7 16.1 33.3 36.8 31.1 32.5 23.2
33.4 36.4 42.5 91.9 140.9 109.3 98.2 90.8
95.3 136.4 184.3 316.8 572.6 448.1 465.8 439.0
29.6 26.8 106.8 10.5 -15.5 4.5 -28.6
9.0 16.8 116.2 53.3 -22.4 -10.2 -7.5
43.1 35.1 71.9 80.7 -21.7 4.0 -5.8
Mean value of stock holdings for families with holdings By percentile of net worth
Thousands of 2010 dollars
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of stock holdings for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 2.2 7.9 1992 2.5 8.0 1995 4.4 11.0 1998 4.7 14.2 2001 4.3 15.8 2004 4.4 14.6 2007 5.8 15.5 2010 6.8 11.3 Three-year change (percent) 1992 13.6 1995 76.0 1998 6.8 2001 -8.5 2004 2.3 2007 31.8 2010 17.2
1.3 37.5 29.1 11.3 -7.6 6.2 -27.1
Percentile of net worth 50-74.9
75-89.9
90-100
16.9 21.7 28.3 45.5 52.3 45.2 49.9 37.7
61.1 56.9 66.5 117.0 177.1 141.4 139.1 125.4
309.0 361.5 518.2 854.2 1110.4 942.7 1098.6 927.5
28.4 30.4 60.8 14.9 -13.6 10.4 -24.4
-6.9 16.9 75.9 51.4 -20.2 -1.6 -9.8
17.0 43.3 64.8 30.0 -15.1 16.5 -15.6
Percent of families with nonfinancial assets For all families
93
Percent
92
91
90
89 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with nonfinancial assets All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
89.3 90.8 90.9 89.9 90.7 92.5 92.0 91.3 1.5 0.1 -1.0 0.8 1.8 -0.5 -0.7
2007
2010
Median value of nonfinancial assets for families with holdings For all families
Thousands of 2010 dollars
200
180
160
140
120
100 1989
1992
1995
1998 2001 Year
2004
2007
Median value of nonfinancial assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 113.8 104.6 117.7 130.4 139.1 170.1 185.9 154.6 -8.1 12.5 10.8 6.7 22.3 9.3 -16.8
2010
Mean value of nonfinancial assets for families with holdings For all families
Thousands of 2010 dollars
500
450
400
350
300
250 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of nonfinancial assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 278.2 249.1 244.7 289.9 352.8 421.5 492.0 405.5 -10.5 -1.8 18.5 21.7 19.5 16.7 -17.6
2010
Percent of families with nonfinancial assets By percentile of income
100
Percent
90
80
70
60 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 64.8 1992 67.8 1995 70.0 1998 68.7 2001 67.7 2004 76.4 2007 73.5 2010 72.0
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with nonfinancial assets Percentile of income 20-39.9 40-59.9 60-79.9 80-89.9
87.4 91.0 91.4 89.5 93.1 92.0 91.2 90.7
Three-year change (percentage points) 1992 3.0 3.6 1995 2.2 0.4 1998 -1.3 -1.9 2001 -1.0 3.6 2004 8.7 -1.1 2007 -2.9 -0.8 2010 -1.5 -0.5
2010
90-100
97.4 97.1 95.9 95.4 95.6 96.7 97.2 96.0
97.3 98.7 97.7 97.3 97.8 98.4 98.5 98.6
99.0 99.6 99.2 98.5 99.4 99.1 99.6 99.4
99.6 99.1 99.6 99.0 99.5 99.3 99.7 99.4
-0.3 -1.2 -0.5 0.2 1.1 0.5 -1.2
1.4 -1.0 -0.4 0.5 0.6 0.1 0.1
0.6 -0.4 -0.7 0.9 -0.3 0.5 -0.2
-0.5 0.5 -0.6 0.5 -0.2 0.4 -0.3
Median value of nonfinancial assets for families with holdings By percentile of income
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of nonfinancial assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 14.4 63.6 1992 31.8 55.8 1995 23.5 61.0 1998 29.7 69.7 2001 42.0 69.9 2004 25.8 81.8 2007 41.9 80.9 2010 23.6 74.3 Three-year change (percent) 1992 120.8 -12.3 1995 -26.1 9.3 1998 26.4 14.3 2001 41.4 0.3 2004 -38.6 17.0 2007 62.4 -1.1 2010 -43.7 -8.2
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
86.5 75.8 91.8 104.5 113.0 152.2 145.6 131.2
142.6 140.5 147.7 164.8 185.7 226.8 258.0 198.3
230.2 190.4 212.5 219.5 275.2 324.2 377.3 311.1
495.4 433.7 356.7 441.9 587.6 749.3 838.0 756.4
-12.4 21.1 13.8 8.1 34.7 -4.3 -9.9
-1.5 5.1 11.6 12.7 22.1 13.8 -23.1
-17.3 11.6 3.3 25.4 17.8 16.4 -17.5
-12.5 -17.8 23.9 33.0 27.5 11.8 -9.7
Mean value of nonfinancial assets for families with holdings By percentile of income
Thousands of 2010 dollars
2500 2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of nonfinancial assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 51.4 101.3 1992 68.9 90.9 1995 79.7 97.3 1998 78.7 110.1 2001 77.5 122.5 2004 101.0 139.7 2007 140.2 137.4 2010 155.9 135.3 Three-year change (percent) 1992 34.0 -10.3 1995 15.7 7.0 1998 -1.3 13.2 2001 -1.5 11.3 2004 30.3 14.0 2007 38.8 -1.6 2010 11.2 -1.5
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
152.5 138.8 126.7 151.4 156.1 216.5 217.0 196.5
210.4 194.8 202.5 234.8 262.4 338.9 359.3 271.3
339.4 293.7 291.0 323.2 399.3 454.1 585.2 447.8
1201.2 1064.8 1010.9 1249.7 1666.6 1965.7 2363.7 1887.7
-9.0 -8.7 19.5 3.1 38.7 0.2 -9.4
-7.4 4.0 16.0 11.8 29.2 6.0 -24.5
-13.5 -0.9 11.1 23.5 13.7 28.9 -23.5
-11.4 -5.1 23.6 33.4 17.9 20.2 -20.1
Percent of families with nonfinancial assets By age of head
Percent
95
90
85
80 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 83.9 1992 85.6 1995 87.1 1998 83.3 2001 83.0 2004 88.6 2007 88.2 2010 82.8
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with nonfinancial assets Age of head 35-44 45-54 55-64 65-74
91.8 92.3 90.6 92.1 93.2 93.0 91.3 92.7
Three-year change (percentage points) 1992 1.7 0.5 1995 1.5 -1.7 1998 -3.8 1.5 2001 -0.3 1.1 2004 5.6 -0.2 2007 -0.4 -1.7 2010 -5.4 1.4
2010
75 or older
93.2 94.4 93.6 92.9 95.2 94.7 95.0 94.7
91.2 92.7 93.9 93.8 95.4 92.6 95.6 94.4
92.7 91.6 92.6 92.0 91.6 95.6 94.5 92.6
85.4 91.3 89.9 87.2 86.4 92.5 87.3 93.0
1.2 -0.8 -0.7 2.3 -0.5 0.3 -0.3
1.5 1.2 -0.1 1.6 -2.8 3.0 -1.2
-1.1 1.0 -0.6 -0.4 4.0 -1.1 -1.9
5.9 -1.4 -2.7 -0.8 6.1 -5.2 5.7
Median value of nonfinancial assets for families with holdings By age of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of nonfinancial assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 28.9 142.2 1992 26.3 125.0 1995 31.2 136.3 1998 30.2 138.0 2001 36.5 144.4 2004 37.2 174.1 2007 32.3 191.3 2010 34.2 142.8 Three-year change (percent) 1992 -9.0 -12.1 1995 18.6 9.0 1998 -3.2 1.2 2001 20.9 4.6 2004 1.9 20.6 2007 -13.2 9.9 2010 5.9 -25.4
Age of head 45-54 55-64
65-74
75 or older
182.0 143.1 160.0 169.1 173.5 212.3 235.6 191.4
158.4 161.3 153.0 169.3 181.2 260.4 244.2 206.6
107.7 119.7 134.3 146.5 182.8 185.4 222.3 199.8
87.2 105.7 111.9 128.2 150.3 157.8 164.5 168.2
-21.4 11.8 5.7 2.6 22.4 11.0 -18.8
1.8 -5.1 10.7 7.0 43.7 -6.2 -15.4
11.1 12.2 9.1 24.8 1.4 19.9 -10.1
21.2 5.9 14.6 17.2 5.0 4.2 2.2
Mean value of nonfinancial assets for families with holdings By age of head
Thousands of 2010 dollars
700 600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of nonfinancial assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 115.2 267.8 1992 101.2 229.9 1995 87.1 219.9 1998 112.0 246.5 2001 136.2 301.0 2004 145.2 368.4 2007 192.3 392.8 2010 129.9 262.4 Three-year change (percent) 1992 -12.2 -14.2 1995 -13.9 -4.3 1998 28.6 12.1 2001 21.6 22.1 2004 6.6 22.4 2007 32.4 6.6 2010 -32.4 -33.2
Age of head 45-54 55-64
65-74
75 or older
412.6 356.2 343.4 390.7 428.3 538.6 592.2 491.3
419.2 386.3 400.4 466.2 543.7 697.5 706.7 612.4
325.4 317.5 316.4 362.2 526.6 488.1 724.7 572.0
254.6 197.5 204.4 257.7 304.1 379.4 464.6 433.6
-13.7 -3.6 13.8 9.6 25.8 10.0 -17.0
-7.8 3.7 16.4 16.6 28.3 1.3 -13.3
-2.4 -0.3 14.5 45.4 -7.3 48.5 -21.1
-22.4 3.5 26.1 18.0 24.8 22.5 -6.7
Percent of families with nonfinancial assets By family structure
100
Percent
95 90 85 80 75 70 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with nonfinancial assets Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 71.1 78.1 80.4 97.7 1992 75.1 83.7 84.9 97.3 1995 75.4 85.1 87.4 96.8 1998 77.1 80.0 84.8 96.7 2001 79.5 82.5 83.0 96.9 2004 85.4 85.1 88.4 97.0 2007 85.0 83.6 85.0 97.4 2010 84.5 80.6 86.8 97.0 Three-year change (percentage points) 1992 4.0 5.6 1995 0.3 1.4 1998 1.7 -5.1 2001 2.4 2.5 2004 5.9 2.6 2007 -0.4 -1.5 2010 -0.5 -3.0
2010
4.5 2.5 -2.6 -1.8 5.4 -3.4 1.8
-0.4 -0.5 -0.1 0.2 0.1 0.4 -0.4
Couple, no child
98.5 97.6 96.0 95.9 96.2 97.1 97.0 96.3 -0.9 -1.6 -0.1 0.3 0.9 -0.1 -0.7
Median value of nonfinancial assets for families with holdings By family structure
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of nonfinancial assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 49.7 17.4 1992 45.4 24.0 1995 62.0 29.2 1998 53.4 23.9 2001 72.3 31.2 2004 79.7 46.3 2007 85.2 56.6 2010 79.0 56.9 Three-year change (percent) 1992 -8.7 1995 36.6 1998 -13.9 2001 35.4 2004 10.2 2007 6.9 2010 -7.3
37.9 21.7 -18.2 30.5 48.4 22.2 0.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
78.3 83.4 86.0 100.0 109.4 123.1 141.4 115.5
142.9 147.7 150.3 167.4 183.2 218.8 249.3 193.4
149.1 134.1 153.8 174.0 186.0 240.0 240.7 209.0
6.5 3.1 16.3 9.4 12.5 14.9 -18.3
3.4 1.8 11.4 9.4 19.4 13.9 -22.4
-10.1 14.7 13.1 6.9 29.0 0.3 -13.2
Mean value of nonfinancial assets for families with holdings By family structure
Thousands of 2010 dollars
700 600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of nonfinancial assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 142.4 136.7 1992 102.1 108.1 1995 123.3 109.3 1998 134.5 118.0 2001 132.2 152.0 2004 181.0 188.3 2007 209.6 233.0 2010 167.6 143.7 Three-year change (percent) 1992 -28.3 1995 20.8 1998 9.1 2001 -1.7 2004 36.9 2007 15.8 2010 -20.0
-20.9 1.1 8.0 28.8 23.9 23.7 -38.3
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
161.7 177.9 173.2 207.5 224.4 282.2 292.9 279.9
320.7 303.5 274.0 342.8 435.1 519.0 585.0 485.9
403.7 346.9 357.3 406.9 474.8 591.3 705.9 590.1
10.0 -2.6 19.8 8.1 25.8 3.8 -4.4
-5.4 -9.7 25.1 26.9 19.3 12.7 -16.9
-14.1 3.0 13.9 16.7 24.5 19.4 -16.4
Percent of families with nonfinancial assets By education of head
100
Percent
95 90 85 80 75 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
3.4 0.0 -0.7 1.5 0.8 -0.2 -1.7
2010
High school diploma College degree
Percent of families with nonfinancial assets Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 83.7 87.4 90.8 1992 80.2 90.8 91.7 1995 80.9 90.8 91.2 1998 77.3 90.1 92.0 2001 77.4 91.6 91.3 2004 81.9 92.4 93.3 2007 80.9 92.2 91.0 2010 82.2 90.5 89.6 Three-year change (percentage points) 1992 -3.5 1995 0.7 1998 -3.6 2001 0.1 2004 4.5 2007 -1.0 2010 1.3
2007
0.9 -0.5 0.8 -0.7 2.0 -2.3 -1.4
College degree
95.4 97.0 96.7 94.9 95.8 96.5 96.6 95.9 1.6 -0.3 -1.8 0.9 0.7 0.1 -0.7
Median value of nonfinancial assets for families with holdings By education of head
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of nonfinancial assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 69.3 1992 55.0 1995 68.7 1998 66.7 2001 83.4 2004 62.8 2007 88.4 2010 59.0 Three-year change (percent) 1992 -20.6 1995 24.9 1998 -2.9 2001 25.0 2004 -24.7 2007 40.8 2010 -33.3
Education of head High school Some college diploma
College degree
96.1 82.8 107.7 109.9 108.7 125.6 144.2 122.2
121.3 116.5 103.5 142.9 133.6 158.1 164.8 136.2
200.5 172.4 184.1 194.0 236.8 277.5 303.2 251.5
-13.8 30.1 2.0 -1.1 15.5 14.8 -15.3
-4.0 -11.2 38.1 -6.5 18.3 4.2 -17.4
-14.0 6.8 5.4 22.1 17.2 9.3 -17.1
Mean value of nonfinancial assets for families with holdings By education of head
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of nonfinancial assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 142.9 1992 110.8 1995 125.7 1998 118.3 2001 139.0 2004 175.7 2007 179.0 2010 141.6 Three-year change (percent) 1992 -22.5 1995 13.4 1998 -5.9 2001 17.5 2004 26.4 2007 1.9 2010 -20.9
Education of head High school Some college diploma
College degree
182.6 158.3 172.9 182.7 192.3 213.8 268.0 225.5
281.6 242.0 221.9 262.1 273.4 324.3 382.8 273.4
481.5 405.9 387.8 472.0 618.4 717.4 845.1 685.8
-13.3 9.2 5.7 5.3 11.2 25.4 -15.9
-14.1 -8.3 18.1 4.3 18.6 18.0 -28.6
-15.7 -4.5 21.7 31.0 16.0 17.8 -18.8
Percent of families with nonfinancial assets By race or ethnicity of respondent
95
Percent
90
85
80
75 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with nonfinancial assets Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 94.1 95.0 95.1 93.9 94.7 95.8 94.6 94.9
Three-year change (percentage points) 1992 0.9 1995 0.1 1998 -1.2 2001 0.8 2004 1.1 2007 -1.2 2010 0.3
74.8 77.9 76.3 76.7 78.4 84.0 85.8 84.0 3.1 -1.6 0.4 1.7 5.6 1.8 -1.8
Median value of nonfinancial assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
250
200
150
100
50 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of nonfinancial assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 126.5 48.0 1992 121.2 52.9 1995 132.6 49.3 1998 143.9 70.7 2001 162.6 72.3 2004 189.6 73.8 2007 213.8 106.8 2010 183.5 86.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-4.2 9.4 8.5 13.0 16.6 12.8 -14.2
10.2 -6.8 43.4 2.3 2.1 44.7 -19.5
Mean value of nonfinancial assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of nonfinancial assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 312.8 149.4 1992 275.4 151.3 1995 271.4 129.9 1998 323.3 154.1 2001 402.9 167.4 2004 488.7 222.3 2007 561.5 307.2 2010 489.1 209.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-12.0 -1.5 19.1 24.6 21.3 14.9 -12.9
1.3 -14.1 18.6 8.6 32.8 38.2 -31.7
Percent of families with nonfinancial assets By current work status of head
100
Percent
90 80 70 60 50 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 1.5 1995 0.3 1998 -1.5 2001 0.1 2004 1.3 2007 0.6 2010 -1.6
2010
Self−employed Other not working
Percent of families with nonfinancial assets Current work status of head Employee Self-employed Retired
92.1 93.6 93.9 92.4 92.5 93.8 94.4 92.8
2007
Other not working
98.5 98.2 96.0 98.1 97.1 97.5 97.6 96.4
87.1 89.1 88.2 85.2 86.7 89.8 87.2 89.2
57.5 67.0 65.8 66.1 70.0 76.3 74.8 78.6
-0.3 -2.2 2.1 -1.0 0.4 0.1 -1.2
2.0 -0.9 -3.0 1.5 3.1 -2.6 2.0
9.5 -1.2 0.3 3.9 6.3 -1.5 3.8
Median value of nonfinancial assets for families with holdings By current work status of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of nonfinancial assets for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 114.0 1992 99.0 1995 115.3 1998 119.5 2001 124.9 2004 163.2 2007 175.1 2010 142.7
313.2 271.9 245.1 337.6 410.5 385.9 476.7 370.0
100.8 99.4 111.9 130.6 128.7 151.6 163.4 155.9
20.6 27.3 26.8 35.9 92.7 69.0 30.7 56.7
Three-year change (percent) 1992 -13.2 1995 16.5 1998 3.6 2001 4.5 2004 30.7 2007 7.3 2010 -18.5
-13.2 -9.9 37.7 21.6 -6.0 23.5 -22.4
-1.4 12.6 16.7 -1.5 17.8 7.8 -4.6
32.5 -1.8 34.0 158.2 -25.6 -55.5 84.7
Mean value of nonfinancial assets for families with holdings By current work status of head
Thousands of 2010 dollars
2000
1500
1000
500
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of nonfinancial assets for families with holdings Year
Employee
Level (thousands of 2010 dollars) 1989 190.2 1992 174.8 1995 166.5 1998 183.7 2001 210.7 2004 282.7 2007 327.9 2010 252.4 Three-year change (percent) 1992 -8.1 1995 -4.7 1998 10.3 2001 14.7 2004 34.2 2007 16.0 2010 -23.0
Current work status of head Self-employed Retired
Other not working
914.5 787.0 842.6 959.0 1175.9 1347.1 1710.5 1443.9
200.9 197.3 197.4 240.6 307.9 323.5 396.9 315.7
109.3 109.6 106.6 122.0 206.7 186.8 180.4 159.6
-13.9 7.1 13.8 22.6 14.6 27.0 -15.6
-1.8 0.1 21.9 28.0 5.1 22.7 -20.5
0.3 -2.7 14.4 69.4 -9.6 -3.4 -11.5
Percent of families with nonfinancial assets By current occupation of head
100
Percent
95
90
85
80 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
4.5 -1.1 -2.5 1.1 1.7 0.7 -1.5
2010
Technical, sales, or services Retired or other not working
Percent of families with nonfinancial assets Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 97.6 87.2 94.6 1992 97.8 91.7 93.9 1995 96.9 90.6 95.5 1998 96.1 88.1 94.9 2001 96.3 89.2 93.9 2004 97.0 90.9 94.7 2007 97.2 91.6 95.2 2010 95.7 90.1 93.8 Three-year change (percentage points) 1992 0.2 1995 -0.9 1998 -0.8 2001 0.2 2004 0.7 2007 0.2 2010 -1.5
2007
-0.7 1.6 -0.6 -1.0 0.8 0.5 -1.4
Retired or other not working 80.9 83.9 83.6 81.9 84.0 87.7 85.2 86.9 3.0 -0.3 -1.7 2.1 3.7 -2.5 1.7
Median value of nonfinancial assets for families with holdings By current occupation of head
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of nonfinancial assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 197.3 108.5 94.5 1992 185.3 94.9 82.0 1995 202.7 110.0 101.2 1998 194.3 110.4 112.8 2001 242.8 115.9 105.5 2004 278.9 127.7 132.7 2007 292.2 162.4 142.0 2010 260.0 107.6 124.9 Year
Three-year change (percent) 1992 -6.1 1995 9.4 1998 -4.1 2001 25.0 2004 14.9 2007 4.8 2010 -11.0
-12.5 15.9 0.4 5.0 10.2 27.2 -33.7
-13.2 23.4 11.5 -6.5 25.8 7.0 -12.0
Retired or other not working 91.2 88.0 99.1 120.0 124.7 146.2 154.5 139.9 -3.5 12.6 21.1 3.9 17.2 5.7 -9.4
Mean value of nonfinancial assets for families with holdings By current occupation of head
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of nonfinancial assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 535.4 224.7 189.0 1992 475.9 202.4 148.3 1995 460.8 217.3 163.0 1998 519.3 239.6 172.1 2001 668.5 215.7 158.5 2004 803.9 276.2 192.0 2007 915.4 333.0 244.4 2010 809.8 220.5 190.6 Year
Three-year change (percent) 1992 -11.1 1995 -3.2 1998 12.7 2001 28.7 2004 20.3 2007 13.9 2010 -11.5
-9.9 7.4 10.3 -10.0 28.0 20.6 -33.8
-21.5 9.9 5.6 -7.9 21.1 27.3 -22.0
Retired or other not working 187.4 180.7 182.8 224.8 294.2 305.0 367.2 285.3 -3.6 1.2 23.0 30.9 3.7 20.4 -22.3
Percent of families with nonfinancial assets By region
94 92 Percent
90 88 86 84 82 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
Three-year change (percentage points) 1992 -3.9 1995 3.7 1998 -2.6 2001 -2.0 2004 7.7 2007 -6.1 2010 1.4
2010
South
Percent of families with nonfinancial assets Region Northeast Midwest South 87.4 83.5 87.2 84.6 82.6 90.3 84.2 85.6
2007
West
88.2 93.3 92.7 91.6 93.5 94.2 93.4 93.8
89.5 92.5 90.5 91.7 92.9 92.1 93.8 92.1
92.1 92.1 92.9 90.0 91.2 93.4 94.1 92.4
5.1 -0.6 -1.1 1.9 0.7 -0.8 0.4
3.0 -2.0 1.2 1.2 -0.8 1.7 -1.7
0.0 0.8 -2.9 1.2 2.2 0.7 -1.7
Median value of nonfinancial assets for families with holdings By region
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of nonfinancial assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 174.3 1992 167.5 1995 153.6 1998 160.1 2001 168.0 2004 239.0 2007 261.9 2010 220.4 Three-year change (percent) 1992 -3.9 1995 -8.3 1998 4.2 2001 4.9 2004 42.3 2007 9.6 2010 -15.8
Midwest
South
West
110.6 97.8 118.4 130.7 154.6 172.9 165.0 142.1
87.2 73.2 98.8 109.7 122.5 137.7 152.7 134.2
147.2 149.1 133.9 151.4 156.2 200.8 263.5 189.1
-11.6 21.1 10.4 18.3 11.8 -4.6 -13.9
-16.1 35.0 11.0 11.7 12.4 10.9 -12.0
1.3 -10.2 13.1 3.2 28.6 31.2 -28.2
Mean value of nonfinancial assets for families with holdings By region
Thousands of 2010 dollars
700 600 500 400 300 200 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of nonfinancial assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 309.0 1992 301.7 1995 284.0 1998 312.7 2001 389.0 2004 508.3 2007 580.3 2010 493.0 Three-year change (percent) 1992 -2.4 1995 -5.9 1998 10.1 2001 24.4 2004 30.7 2007 14.2 2010 -15.0
Midwest
South
West
267.0 217.4 221.8 250.4 290.7 382.2 378.2 318.8
202.7 176.6 212.2 261.0 333.4 321.4 430.7 361.5
384.9 361.0 288.5 364.2 424.4 554.7 644.7 501.4
-18.6 2.0 12.9 16.1 31.5 -1.0 -15.7
-12.9 20.2 23.0 27.7 -3.6 34.0 -16.1
-6.2 -20.1 26.3 16.5 30.7 16.2 -22.2
Percent of families with nonfinancial assets By urbanicity
96
Percent
94
92
90
88 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with nonfinancial assets Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 88.3 90.3 90.2 89.2 90.1 92.1 91.5 90.6
Three-year change (percentage points) 1992 2.0 1995 -0.1 1998 -1.0 2001 0.9 2004 2.0 2007 -0.6 2010 -0.9
2010
93.3 93.1 94.6 94.4 94.3 94.6 94.3 95.0 -0.2 1.5 -0.2 -0.1 0.3 -0.3 0.7
Median value of nonfinancial assets for families with holdings By urbanicity
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of nonfinancial assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 118.1 1992 119.7 1995 127.4 1998 135.8 2001 147.2 2004 186.9 2007 203.2 2010 168.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
1.4 6.4 6.6 8.4 27.0 8.7 -17.3
2010
Non-MSA
91.9 70.0 79.8 105.7 107.5 109.0 124.2 111.6 -23.8 14.0 32.5 1.7 1.4 13.9 -10.1
Mean value of nonfinancial assets for families with holdings By urbanicity
Thousands of 2010 dollars
600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of nonfinancial assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 300.0 1992 280.1 1995 260.1 1998 313.9 2001 379.8 2004 472.0 2007 547.2 2010 445.1 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-6.6 -7.1 20.7 21.0 24.3 15.9 -18.7
2010
Non-MSA
190.7 116.5 159.9 157.8 191.8 183.7 231.8 224.5 -38.9 37.3 -1.3 21.5 -4.2 26.2 -3.1
Percent of families with nonfinancial assets By housing status
100 95
Percent
90 85 80 75 70 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with nonfinancial assets Housing status Owner Renter or other 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
70.2 74.5 74.1 70.1 71.3 75.9 74.5 73.6 4.3 -0.4 -4.0 1.2 4.6 -1.4 -0.9
2010
Median value of nonfinancial assets for families with holdings By housing status
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of nonfinancial assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 163.8 1992 157.0 1995 164.0 1998 174.0 2001 192.4 2004 232.0 2007 265.6 2010 216.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-4.2 4.5 6.1 10.6 20.6 14.5 -18.3
Renter or other 8.4 7.7 10.5 9.6 10.8 9.6 10.6 9.7 -8.3 36.4 -8.6 12.5 -11.1 10.4 -8.5
2010
Mean value of nonfinancial assets for families with holdings By housing status
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of nonfinancial assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 365.1 1992 332.5 1995 328.2 1998 379.5 2001 457.8 2004 547.1 2007 638.3 2010 533.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-8.9 -1.3 15.6 20.6 19.5 16.7 -16.4
Renter or other 59.3 50.8 38.3 39.3 44.4 52.3 62.4 47.1 -14.3 -24.6 2.6 13.0 17.8 19.3 -24.5
2010
Percent of families with nonfinancial assets By percentile of net worth
100
Percent
90
80
70
60 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
-0.3 -0.3 0.1 -0.4 0.3 0.5 -0.3
2010
50−74.9
Percent of families with nonfinancial assets Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 61.6 96.1 99.6 99.5 1992 67.1 97.0 99.3 99.7 1995 68.4 96.3 99.0 99.8 1998 65.2 96.0 99.1 99.2 2001 68.2 96.4 98.7 99.6 2004 73.7 97.5 99.0 99.8 2007 71.6 97.7 99.5 99.0 2010 69.7 96.8 99.2 99.6 Three-year change (percentage points) 1992 5.5 0.9 1995 1.3 -0.7 1998 -3.2 -0.3 2001 3.0 0.4 2004 5.5 1.1 2007 -2.1 0.2 2010 -1.9 -0.9
2007
0.2 0.1 -0.6 0.4 0.2 -0.8 0.6
90-100 99.9 99.9 99.9 99.6 99.7 99.9 99.6 99.9 0.0 0.0 -0.3 0.1 0.2 -0.3 0.3
Median value of nonfinancial assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of nonfinancial assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 4.4 43.6 1992 5.4 51.7 1995 8.3 58.3 1998 8.5 68.9 2001 10.1 77.6 2004 8.5 83.3 2007 9.0 100.4 2010 9.4 60.0 Three-year change (percent) 1992 22.7 1995 53.7 1998 2.4 2001 18.8 2004 -15.8 2007 5.9 2010 4.4
18.6 12.8 18.2 12.6 7.3 20.5 -40.2
Percentile of net worth 50-74.9
75-89.9
90-100
145.1 134.2 144.0 156.3 178.1 216.8 240.8 181.6
306.5 248.3 240.0 291.4 345.3 415.1 460.1 360.7
855.1 673.4 561.6 690.6 873.1 1043.8 1215.3 1114.3
-7.5 7.3 8.5 13.9 21.7 11.1 -24.6
-19.0 -3.3 21.4 18.5 20.2 10.8 -21.6
-21.2 -16.6 23.0 26.4 19.6 16.4 -8.3
Mean value of nonfinancial assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
3000 2500 2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of nonfinancial assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 14.0 57.1 1992 15.4 64.3 1995 21.4 74.8 1998 25.6 82.1 2001 23.7 86.9 2004 26.5 101.6 2007 33.5 120.4 2010 57.4 88.3 Three-year change (percent) 1992 10.0 1995 39.0 1998 19.6 2001 -7.4 2004 11.8 2007 26.4 2010 71.3
12.6 16.3 9.8 5.8 16.9 18.5 -26.7
Percentile of net worth 50-74.9
75-89.9
90-100
159.3 146.8 155.3 168.6 198.7 250.1 268.4 201.7
313.9 268.1 255.3 310.2 383.5 470.9 498.3 411.9
1460.5 1315.3 1242.1 1495.1 1892.4 2280.7 2774.8 2277.9
-7.8 5.8 8.6 17.9 25.9 7.3 -24.9
-14.6 -4.8 21.5 23.6 22.8 5.8 -17.3
-9.9 -5.6 20.4 26.6 20.5 21.7 -17.9
Percent of families with primary residence For all families
69
Percent
68
67
66
65
64 1989
1992
1995
1998 2001 Year
2004
Percent of families with primary residence Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 63.9 63.9 64.7 66.2 67.7 69.1 68.6 67.3 0.0 0.8 1.5 1.5 1.4 -0.5 -1.3
2007
2010
Median value of primary residence for families with holdings For all families
Thousands of 2010 dollars
220
200
180
160
140
120 1989
1992
1995
1998 2001 Year
2004
2007
Median value of primary residence for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 118.1 121.3 127.5 133.4 150.7 184.1 209.5 170.0 2.7 5.1 4.6 13.0 22.2 13.8 -18.9
2010
Mean value of primary residence for families with holdings For all families
Thousands of 2010 dollars
350
300
250
200
150 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of primary residence for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 178.6 166.2 163.1 185.0 221.6 284.0 316.9 261.2 -6.9 -1.9 13.4 19.8 28.2 11.6 -17.6
2010
Percent of families with primary residence By percentile of income
100
Percent
80
60
40
20 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
20−39.9 80−89.9
2007
2010
40−59.9 90−100
Percent of families with primary residence Year
Less than 20 Level (percent) 1989 32.9 1992 38.9 1995 39.7 1998 38.8 2001 40.6 2004 40.3 2007 41.4 2010 37.2
20-39.9
54.9 56.4 55.4 55.3 57.3 56.9 55.2 55.9
Three-year change (percentage points) 1992 6.0 1.5 1995 0.8 -1.0 1998 -0.9 -0.1 2001 1.8 2.0 2004 -0.3 -0.4 2007 1.1 -1.7 2010 -4.2 0.7
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
65.4 61.8 62.6 67.3 66.0 71.6 69.3 71.1
76.4 75.9 77.3 79.1 81.8 83.1 83.9 80.7
86.2 83.2 85.9 88.2 90.9 91.9 92.6 90.6
93.5 90.1 91.3 93.1 94.4 94.7 94.3 92.4
-3.6 0.8 4.7 -1.3 5.6 -2.3 1.8
-0.5 1.4 1.8 2.7 1.3 0.8 -3.2
-3.0 2.7 2.3 2.7 1.0 0.7 -2.0
-3.4 1.2 1.8 1.3 0.3 -0.4 -1.9
Median value of primary residence for families with holdings By percentile of income
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of primary residence for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 50.6 84.3 1992 60.6 75.8 1995 63.7 92.1 1998 73.4 100.0 2001 79.6 98.0 2004 80.5 115.1 2007 104.8 125.7 2010 89.0 110.0 Three-year change (percent) 1992 19.8 -10.1 1995 5.1 21.5 1998 15.2 8.6 2001 8.4 -2.0 2004 1.1 17.4 2007 30.2 9.2 2010 -15.1 -12.5
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
99.5 100.1 106.2 113.4 116.4 155.3 157.2 135.0
126.5 128.9 134.6 146.7 159.3 201.4 225.3 175.0
168.7 151.6 170.0 182.7 214.4 258.9 314.3 250.0
337.3 272.9 247.9 300.1 367.6 517.8 523.8 475.0
0.6 6.1 6.8 2.6 33.4 1.2 -14.1
1.9 4.4 9.0 8.6 26.4 11.9 -22.3
-10.1 12.1 7.5 17.4 20.8 21.4 -20.5
-19.1 -9.2 21.1 22.5 40.9 1.2 -9.3
Mean value of primary residence for families with holdings By percentile of income
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of primary residence for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 65.2 106.9 1992 80.4 100.8 1995 79.6 110.8 1998 92.0 117.5 2001 91.7 134.3 2004 118.5 151.1 2007 145.0 162.9 2010 136.5 147.2 Three-year change (percent) 1992 23.3 -5.7 1995 -1.0 9.9 1998 15.6 6.0 2001 -0.3 14.3 2004 29.2 12.5 2007 22.4 7.8 2010 -5.9 -9.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
130.9 122.6 125.1 133.6 149.3 203.2 203.1 170.6
159.7 153.7 153.5 173.9 200.3 258.0 283.8 214.8
213.9 197.2 196.6 216.3 254.8 330.2 398.8 304.9
407.5 374.0 335.9 406.2 545.1 707.8 793.5 677.3
-6.3 2.0 6.8 11.8 36.1 -0.0 -16.0
-3.8 -0.1 13.3 15.2 28.8 10.0 -24.3
-7.8 -0.3 10.0 17.8 29.6 20.8 -23.5
-8.2 -10.2 20.9 34.2 29.8 12.1 -14.6
Percent of families with primary residence By age of head
90
Percent
80 70 60 50 40 1989
1992
1995
1998 2001 Year
Less than 35 55−64
2004
35−44 65−74
2007
2010
45−54 75 or older
Percent of families with primary residence Year
Less than 35 Level (percent) 1989 39.4 1992 36.8 1995 37.9 1998 38.9 2001 39.9 2004 41.6 2007 40.6 2010 37.5
35-44
66.1 64.5 64.7 67.1 67.8 68.3 66.1 63.8
Three-year change (percentage points) 1992 -2.6 -1.6 1995 1.1 0.2 1998 1.0 2.4 2001 1.0 0.7 2004 1.7 0.5 2007 -1.0 -2.2 2010 -3.1 -2.3
Age of head 45-54 55-64
65-74
75 or older
76.5 75.4 75.3 74.4 76.2 77.3 77.3 75.2
80.1 77.5 82.0 80.3 83.2 79.1 81.0 78.1
77.7 79.3 79.5 81.5 82.5 81.3 85.5 82.6
69.9 77.2 72.8 77.0 76.2 85.2 77.0 81.9
-1.1 -0.1 -0.9 1.8 1.1 0.0 -2.1
-2.6 4.5 -1.7 2.9 -4.1 1.9 -2.9
1.6 0.2 2.0 1.0 -1.2 4.2 -2.9
7.3 -4.4 4.2 -0.8 9.0 -8.2 4.9
Median value of primary residence for families with holdings By age of head
Thousands of 2010 dollars
250
200
150
100 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of primary residence for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 102.9 134.9 1992 104.6 136.4 1995 107.6 134.6 1998 112.0 134.7 2001 116.4 153.2 2004 155.3 184.1 2007 183.3 214.8 2010 140.0 170.0 Three-year change (percent) 1992 1.7 1.1 1995 2.9 -1.3 1998 4.1 0.1 2001 3.9 13.7 2004 33.4 20.2 2007 18.0 16.7 2010 -23.6 -20.9
Age of head 45-54 55-64
65-74
75 or older
143.4 136.4 141.6 160.1 165.4 195.6 241.0 200.0
126.5 128.7 123.2 146.7 159.3 230.1 220.0 185.0
92.8 104.6 120.4 126.7 158.1 172.6 209.5 165.0
92.7 106.1 113.3 113.4 136.0 143.8 157.2 150.0
-4.9 3.8 13.1 3.3 18.3 23.2 -17.0
1.7 -4.3 19.1 8.6 44.4 -4.4 -15.9
12.7 15.1 5.2 24.8 9.2 21.4 -21.2
14.5 6.8 0.1 19.9 5.7 9.3 -4.6
Mean value of primary residence for families with holdings
Thousands of 2010 dollars
By age of head
350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of primary residence for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 140.0 194.3 1992 137.5 174.2 1995 118.3 166.8 1998 135.8 180.7 2001 156.3 220.2 2004 197.9 272.3 2007 244.7 301.7 2010 170.4 238.1 Three-year change (percent) 1992 -1.8 -10.3 1995 -14.0 -4.2 1998 14.8 8.3 2001 15.1 21.9 2004 26.6 23.7 2007 23.6 10.8 2010 -30.4 -21.1
Age of head 45-54 55-64
65-74
75 or older
216.9 192.7 194.8 210.4 248.7 315.0 352.0 294.3
191.6 180.5 179.1 214.1 244.7 366.7 335.2 306.1
155.1 154.0 152.5 185.3 228.1 263.7 360.5 271.4
154.0 139.5 145.6 165.5 205.8 244.5 270.9 232.0
-11.2 1.1 8.0 18.2 26.7 11.7 -16.4
-5.8 -0.8 19.5 14.3 49.9 -8.6 -8.7
-0.7 -1.0 21.5 23.1 15.6 36.7 -24.7
-9.4 4.4 13.7 24.4 18.8 10.8 -14.4
Percent of families with primary residence By family structure
80
Percent
70 60 50 40 30 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with primary residence Year
Single with child(ren)
Level (percent) 1989 42.7 1992 43.0 1995 46.8 1998 46.9 2001 48.5 2004 54.5 2007 48.9 2010 52.0
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
28.2 35.4 37.9 34.6 37.5 41.1 43.4 40.1
59.2 65.8 65.2 67.3 68.6 70.1 67.5 66.7
77.5 74.6 74.6 79.1 78.7 77.8 78.1 75.6
80.8 76.9 76.5 78.0 78.5 80.9 80.1 79.7
6.6 -0.6 2.1 1.3 1.5 -2.6 -0.8
-2.9 0.0 4.5 -0.4 -0.9 0.3 -2.5
-3.9 -0.4 1.5 0.5 2.4 -0.8 -0.4
Three-year change (percentage points) 1992 0.3 7.2 1995 3.8 2.5 1998 0.1 -3.3 2001 1.6 2.9 2004 6.0 3.6 2007 -5.6 2.3 2010 3.1 -3.3
Median value of primary residence for families with holdings By family structure
Thousands of 2010 dollars
250 200 150 100 50 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of primary residence for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 92.8 128.2 1992 98.5 98.5 1995 106.2 113.3 1998 100.0 106.7 2001 104.2 110.3 2004 134.3 149.6 2007 157.2 162.4 2010 134.0 135.2 Three-year change (percent) 1992 6.1 1995 7.8 1998 -5.8 2001 4.2 2004 28.9 2007 17.1 2010 -14.8
-23.2 15.0 -5.8 3.4 35.6 8.6 -16.7
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
84.3 95.5 99.1 100.0 110.3 138.1 151.9 130.0
131.6 142.5 141.6 153.4 171.6 207.1 251.4 190.0
122.3 121.3 134.6 146.7 159.3 218.6 220.0 180.0
13.3 3.8 0.9 10.3 25.2 10.0 -14.4
8.3 -0.6 8.3 11.9 20.7 21.4 -24.4
-0.8 11.0 9.0 8.6 37.2 0.6 -18.2
Mean value of primary residence for families with holdings
Thousands of 2010 dollars
By family structure
350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of primary residence for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 134.3 172.6 1992 128.9 132.9 1995 129.5 128.7 1998 136.5 130.7 2001 137.3 151.4 2004 172.7 203.7 2007 252.6 239.2 2010 187.2 179.3 Three-year change (percent) 1992 -4.0 1995 0.5 1998 5.4 2001 0.6 2004 25.8 2007 46.3 2010 -25.9
-23.0 -3.2 1.6 15.8 34.5 17.4 -25.0
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
133.5 124.1 126.2 136.0 155.5 217.4 217.9 197.0
194.6 193.0 181.9 204.4 254.1 328.9 358.1 301.5
189.7 173.7 176.7 210.5 250.4 322.5 355.3 291.1
-7.0 1.7 7.8 14.3 39.8 0.2 -9.6
-0.8 -5.8 12.4 24.3 29.4 8.9 -15.8
-8.4 1.7 19.1 19.0 28.8 10.2 -18.1
Percent of families with primary residence By education of head
80 75
Percent
70 65 60 55 50 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with primary residence Year
No high school diploma Level (percent) 1989 61.8 1992 56.7 1995 58.9 1998 54.6 2001 58.8 2004 56.3 2007 52.8 2010 54.3
Education of head High school Some college diploma
Three-year change (percentage points) 1992 -5.1 1995 2.2 1998 -4.3 2001 4.2 2004 -2.5 2007 -3.5 2010 1.5
College degree
59.8 62.7 65.3 66.2 65.4 65.8 68.9 64.7
63.7 63.0 60.1 64.7 63.4 64.5 62.3 61.5
70.5 70.2 70.5 72.9 76.3 79.1 77.8 76.6
2.9 2.6 0.9 -0.8 0.4 3.1 -4.2
-0.7 -2.9 4.6 -1.3 1.1 -2.2 -0.8
-0.3 0.3 2.4 3.4 2.8 -1.3 -1.2
Median value of primary residence for families with holdings By education of head
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of primary residence for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 75.9 1992 68.2 1995 80.7 1998 86.7 2001 91.9 2004 86.3 2007 128.4 2010 95.0 Three-year change (percent) 1992 -10.1 1995 18.3 1998 7.4 2001 6.0 2004 -6.1 2007 48.8 2010 -26.0
Education of head High school Some college diploma
College degree
101.2 98.5 106.2 113.4 116.4 143.8 157.2 130.0
121.4 128.9 127.5 146.7 147.0 177.2 201.2 150.0
197.3 174.3 184.1 183.4 220.6 276.2 293.4 250.0
-2.7 7.8 6.8 2.6 23.5 9.3 -17.3
6.2 -1.1 15.1 0.2 20.5 13.5 -25.4
-11.7 5.6 -0.4 20.3 25.2 6.2 -14.8
Mean value of primary residence for families with holdings By education of head
Thousands of 2010 dollars
500
400
300
200
100 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of primary residence for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 105.6 1992 89.3 1995 97.7 1998 104.6 2001 110.7 2004 163.7 2007 177.3 2010 125.8 Three-year change (percent) 1992 -15.4 1995 9.4 1998 7.1 2001 5.8 2004 47.9 2007 8.3 2010 -29.0
Education of head High school Some college diploma
College degree
138.0 126.3 128.3 136.2 149.4 181.8 209.4 168.8
189.6 159.5 156.5 185.7 189.7 256.0 277.0 214.7
268.7 242.8 232.7 257.0 333.9 400.5 458.6 377.7
-8.5 1.6 6.2 9.7 21.7 15.2 -19.4
-15.9 -1.9 18.7 2.2 34.9 8.2 -22.5
-9.6 -4.2 10.4 29.9 19.9 14.5 -17.6
Percent of families with primary residence By race or ethnicity of respondent
75 70
Percent
65 60 55 50 45 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with primary residence Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 70.5 70.3 70.6 72.0 74.3 76.1 75.6 75.3
Three-year change (percentage points) 1992 -0.2 1995 0.3 1998 1.4 2001 2.3 2004 1.8 2007 -0.5 2010 -0.3
44.4 44.4 44.3 47.2 47.3 50.8 51.9 50.6 0.0 -0.1 2.9 0.1 3.5 1.1 -1.3
Median value of primary residence for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of primary residence for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 126.5 84.3 1992 128.7 77.3 1995 128.9 99.1 1998 133.4 113.4 2001 159.3 114.0 2004 189.9 149.6 2007 209.5 188.6 2010 175.0 139.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
1.7 0.2 3.5 19.4 19.2 10.3 -16.5
-8.3 28.2 14.4 0.5 31.2 26.1 -26.3
Mean value of primary residence for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of primary residence for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 187.0 139.2 1992 174.1 128.2 1995 168.5 133.1 1998 192.7 146.0 2001 234.4 160.0 2004 300.8 218.9 2007 328.0 278.0 2010 279.7 204.1 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-6.9 -3.2 14.4 21.6 28.3 9.0 -14.7
-7.9 3.8 9.7 9.6 36.8 27.0 -26.6
Percent of families with primary residence By current work status of head
80
Percent
70 60 50 40 30 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with primary residence Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
62.1 61.3 63.8 63.5 64.7 66.5 67.2 64.8
Three-year change (percentage points) 1992 -0.8 1995 2.5 1998 -0.3 2001 1.2 2004 1.8 2007 0.7 2010 -2.4
Other not working
73.1 76.7 74.5 81.3 80.3 79.1 82.4 78.4
72.8 73.5 70.7 72.4 73.9 75.8 72.9 74.6
30.3 33.3 33.5 35.4 43.1 40.0 33.1 43.0
3.6 -2.2 6.8 -1.0 -1.2 3.3 -4.0
0.7 -2.8 1.7 1.5 1.9 -2.9 1.7
3.0 0.2 1.9 7.7 -3.1 -6.9 9.9
Median value of primary residence for families with holdings By current work status of head
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of primary residence for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 126.5 1992 128.9 1995 127.5 1998 130.7 2001 147.0 2004 184.1 2007 209.5 2010 170.0
168.7 189.5 170.0 194.7 245.1 285.4 314.3 270.0
92.8 98.5 107.6 118.7 122.5 149.6 162.4 150.0
59.0 84.9 92.1 120.0 122.5 149.6 167.6 135.0
Three-year change (percent) 1992 1.9 1995 -1.1 1998 2.5 2001 12.5 2004 25.2 2007 13.8 2010 -18.9
12.3 -10.3 14.5 25.9 16.4 10.1 -14.1
6.1 9.2 10.3 3.2 22.1 8.6 -7.6
43.9 8.5 30.3 2.1 22.1 12.0 -19.5
Mean value of primary residence for families with holdings By current work status of head
Thousands of 2010 dollars
500
400
300
200
100 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of primary residence for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 179.7 1992 160.0 1995 156.3 1998 167.7 2001 193.6 2004 266.0 2007 297.6 2010 239.8
272.0 268.5 253.9 300.7 387.8 451.9 502.7 448.1
142.8 137.4 140.8 164.5 196.9 240.8 275.8 224.0
108.4 131.6 140.7 158.0 200.7 240.6 267.0 195.2
Three-year change (percent) 1992 -11.0 1995 -2.3 1998 7.3 2001 15.4 2004 37.4 2007 11.9 2010 -19.4
-1.3 -5.4 18.4 29.0 16.5 11.2 -10.9
-3.8 2.5 16.8 19.7 22.3 14.5 -18.8
21.4 6.9 12.3 27.0 19.9 11.0 -26.9
Percent of families with primary residence By current occupation of head
80
Percent
75 70 65 60 55 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with primary residence Year
Managerial or professional Level (percent) 1989 73.8 1992 71.3 1995 72.4 1998 71.8 2001 75.8 2004 78.1 2007 78.2 2010 76.1
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 -2.5 1995 1.1 1998 -0.6 2001 4.0 2004 2.3 2007 0.1 2010 -2.1
Retired or other not working
53.6 59.9 59.9 57.6 58.7 58.2 61.5 56.0
64.5 60.4 65.2 68.3 65.8 66.6 66.3 66.6
63.9 64.0 63.1 66.0 68.9 70.3 66.7 67.8
6.3 0.0 -2.3 1.1 -0.5 3.3 -5.5
-4.1 4.8 3.1 -2.5 0.8 -0.3 0.3
0.1 -0.9 2.9 2.9 1.4 -3.6 1.1
Median value of primary residence for families with holdings By current occupation of head
Thousands of 2010 dollars
300
250
200
150
100 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of primary residence for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 194.0 135.9 96.1 1992 189.5 113.7 98.5 1995 191.2 126.1 106.2 1998 186.7 122.7 118.7 2001 220.6 140.9 109.1 2004 275.7 172.6 149.6 2007 282.9 209.5 165.4 2010 250.0 153.0 130.0 Year
Three-year change (percent) 1992 -2.3 1995 0.9 1998 -2.4 2001 18.2 2004 25.0 2007 2.6 2010 -11.6
-16.3 10.9 -2.7 14.8 22.5 21.4 -27.0
2.5 7.8 11.8 -8.1 37.1 10.6 -21.4
Retired or other not working 92.8 98.5 107.6 120.0 122.5 149.6 162.4 150.0 6.1 9.2 11.5 2.1 22.1 8.6 -7.6
Mean value of primary residence for families with holdings By current occupation of head
Thousands of 2010 dollars
500
400
300
200
100 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of primary residence for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 277.9 182.0 125.8 1992 246.3 157.3 126.3 1995 248.0 158.7 118.6 1998 262.4 173.8 137.7 2001 332.7 182.4 132.6 2004 420.1 239.1 174.7 2007 441.3 284.8 215.7 2010 388.3 217.1 160.4 Year
Three-year change (percent) 1992 -11.4 1995 0.7 1998 5.8 2001 26.8 2004 26.3 2007 5.0 2010 -12.0
-13.6 0.9 9.5 4.9 31.1 19.1 -23.8
0.4 -6.1 16.1 -3.7 31.7 23.5 -25.6
Retired or other not working 139.4 136.6 140.8 164.8 197.3 240.8 275.1 220.0 -2.0 3.1 17.0 19.7 22.0 14.2 -20.0
Percent of families with primary residence By region
75
Percent
70
65
60
55 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with primary residence Region Year Northeast Level (percent) 1989 61.3 1992 64.3 1995 62.0 1998 65.6 2001 62.3 2004 69.8 2007 66.1 2010 65.0
Midwest
South
West
69.1 67.0 70.6 71.8 75.1 73.5 71.3 73.3
65.6 64.0 64.8 67.4 71.9 68.9 70.1 67.6
57.4 59.7 60.5 58.7 57.4 64.0 65.4 62.5
-2.1 3.6 1.2 3.3 -1.6 -2.2 2.0
-1.6 0.8 2.6 4.5 -3.0 1.2 -2.5
2.3 0.8 -1.8 -1.3 6.6 1.4 -2.9
Three-year change (percentage points) 1992 3.0 1995 -2.3 1998 3.6 2001 -3.3 2004 7.5 2007 -3.7 2010 -1.1
Median value of primary residence for families with holdings By region
Thousands of 2010 dollars
350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of primary residence for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 210.8 1992 174.3 1995 170.0 1998 166.7 2001 183.8 2004 287.7 2007 288.1 2010 260.0 Three-year change (percent) 1992 -17.3 1995 -2.5 1998 -1.9 2001 10.3 2004 56.5 2007 0.1 2010 -9.8
Midwest
South
West
97.8 98.5 111.9 120.0 147.0 166.8 162.4 135.0
89.4 91.0 104.8 113.4 116.4 149.6 167.6 141.7
202.4 189.5 177.0 189.4 226.7 258.9 314.3 230.0
0.7 13.6 7.2 22.5 13.5 -2.6 -16.9
1.8 15.2 8.2 2.6 28.5 12.0 -15.5
-6.4 -6.6 7.0 19.7 14.2 21.4 -26.8
Mean value of primary residence for families with holdings By region
Thousands of 2010 dollars
500
400
300
200
100 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of primary residence for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 257.9 1992 204.8 1995 201.4 1998 209.8 2001 272.4 2004 366.8 2007 399.9 2010 355.5 Three-year change (percent) 1992 -20.6 1995 -1.7 1998 4.2 2001 29.8 2004 34.7 2007 9.0 2010 -11.1
Midwest
South
West
133.0 132.7 131.5 157.0 178.3 214.8 233.2 188.2
120.7 119.9 132.5 149.0 178.2 221.2 256.3 214.5
269.6 252.3 222.3 266.8 323.5 402.0 449.3 351.6
-0.2 -0.9 19.4 13.6 20.5 8.6 -19.3
-0.7 10.5 12.5 19.6 24.1 15.9 -16.3
-6.4 -11.9 20.0 21.3 24.3 11.8 -21.7
Percent of families with primary residence By urbanicity
Percent
75
70
65
60 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
2007
Non−MSA
Percent of families with primary residence Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
61.6 63.1 63.8 64.9 66.3 68.0 68.1 65.9
73.5 67.7 70.2 74.0 76.0 74.0 71.1 73.9
Three-year change (percentage points) 1992 1.5 1995 0.7 1998 1.1 2001 1.4 2004 1.7 2007 0.1 2010 -2.2
2010
-5.8 2.5 3.8 2.0 -2.0 -2.9 2.8
Median value of primary residence for families with holdings By urbanicity
Thousands of 2010 dollars
250
200
150
100
50 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of primary residence for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 134.9 1992 139.5 1995 136.0 1998 146.7 2001 159.3 2004 207.1 2007 230.5 2010 181.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
3.4 -2.5 7.9 8.6 30.0 11.3 -21.5
2010
Non-MSA
75.9 68.2 82.1 93.4 98.0 103.6 120.5 100.0 -10.1 20.4 13.8 4.9 5.7 16.3 -17.0
Mean value of primary residence for families with holdings By urbanicity
Thousands of 2010 dollars
350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of primary residence for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 203.0 1992 187.0 1995 175.8 1998 200.2 2001 239.4 2004 317.9 2007 349.5 2010 288.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-7.9 -6.0 13.9 19.6 32.8 9.9 -17.5
2010
Non-MSA
91.6 80.7 95.8 107.2 124.8 133.5 165.0 145.4 -11.9 18.7 11.9 16.4 7.0 23.6 -11.9
Percent of families with primary residence By housing status
100
Percent
80 60 40 20 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with primary residence Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Three-year change (percentage points) 1992 0.0 1995 0.0 1998 0.0 2001 0.0 2004 0.0 2007 0.0 2010 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
2010
Median value of primary residence for families with holdings By housing status
Thousands of 2010 dollars
220 200 180 160 140 120 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of primary residence for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 118.1 1992 121.3 1995 127.5 1998 133.4 2001 150.7 2004 184.1 2007 209.5 2010 170.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
2.7 5.1 4.6 13.0 22.2 13.8 -18.9
Renter or other . . . . . . . . . . . . . . .
2010
Mean value of primary residence for families with holdings By housing status
Thousands of 2010 dollars
350
300
250
200
150 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of primary residence for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 178.6 1992 166.2 1995 163.1 1998 185.0 2001 221.6 2004 284.0 2007 316.9 2010 261.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-6.9 -1.9 13.4 19.8 28.2 11.6 -17.6
Renter or other . . . . . . . . . . . . . . .
2010
Percent of families with primary residence By percentile of net worth
100
Percent
80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with primary residence Year Less than 25 Level (percent) 1989 8.6 1992 10.7 1995 13.6 1998 14.0 2001 14.2 2004 15.1 2007 13.7 2010 21.8
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
61.1 64.4 64.3 67.3 69.7 71.2 72.2 61.3
92.2 87.0 88.2 89.3 91.4 93.4 92.8 90.1
94.0 93.1 92.3 94.0 95.0 96.2 95.2 95.3
93.3 94.1 93.5 95.1 95.9 96.9 96.8 97.1
-5.2 1.2 1.1 2.1 2.0 -0.6 -2.7
-0.9 -0.8 1.7 1.0 1.2 -1.0 0.1
0.8 -0.6 1.6 0.8 1.0 -0.1 0.3
Three-year change (percentage points) 1992 2.1 3.3 1995 2.9 -0.1 1998 0.4 3.0 2001 0.2 2.4 2004 0.9 1.5 2007 -1.4 1.0 2010 8.1 -10.9
Median value of primary residence for families with holdings By percentile of net worth
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of primary residence for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 13.5 57.3 1992 43.2 60.6 1995 38.2 70.8 1998 53.4 80.0 2001 59.4 85.8 2004 74.8 97.8 2007 89.2 104.8 2010 117.0 95.5 Three-year change (percent) 1992 220.0 1995 -11.6 1998 39.8 2001 11.2 2004 25.9 2007 19.3 2010 31.2
5.8 16.8 13.0 7.2 14.0 7.2 -8.9
Percentile of net worth 50-74.9
75-89.9
90-100
118.1 115.2 120.4 126.7 147.0 184.0 209.5 150.0
210.8 181.9 181.3 186.7 245.1 287.7 330.0 250.0
337.3 289.6 262.0 333.5 428.9 517.8 588.6 531.5
-2.5 4.5 5.2 16.0 25.2 13.9 -28.4
-13.7 -0.3 3.0 31.3 17.4 14.7 -24.2
-14.1 -9.5 27.3 28.6 20.7 13.7 -9.7
Mean value of primary residence for families with holdings By percentile of net worth
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of primary residence for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 48.8 65.8 1992 49.3 74.0 1995 61.3 84.3 1998 71.5 89.0 2001 61.9 93.2 2004 82.2 111.4 2007 116.6 130.6 2010 139.0 109.6 Three-year change (percent) 1992 1.0 1995 24.3 1998 16.6 2001 -13.4 2004 32.8 2007 41.8 2010 19.2
12.5 13.9 5.6 4.7 19.5 17.2 -16.1
Percentile of net worth 50-74.9
75-89.9
90-100
134.0 129.2 135.4 144.2 163.6 212.8 230.0 173.6
231.2 200.1 191.9 216.6 272.4 338.6 370.6 291.4
424.2 392.6 358.0 444.9 576.6 770.3 863.7 727.7
-3.6 4.8 6.5 13.5 30.1 8.1 -24.5
-13.5 -4.1 12.9 25.8 24.3 9.5 -21.4
-7.4 -8.8 24.3 29.6 33.6 12.1 -15.7
Percent of families with owned vehicles For all families
87
Percent
86
85
84
83 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with owned vehicles All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
83.8 86.1 84.1 82.8 84.8 86.3 87.0 86.7 2.3 -2.0 -1.3 2.0 1.5 0.7 -0.3
2007
2010
Median value of owned vehicles for families with holdings For all families
Thousands of 2010 dollars
18
16
14
12
10 1989
1992
1995
1998 2001 Year
2004
2007
Median value of owned vehicles for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 11.7 10.3 14.0 14.4 16.6 16.3 16.2 15.2 -12.0 35.9 2.9 15.3 -1.8 -0.6 -5.6
2010
Mean value of owned vehicles for families with holdings For all families
Thousands of 2010 dollars
24
22
20
18
16
14 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of owned vehicles for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 16.6 15.0 18.8 20.3 22.5 23.1 23.1 22.1 -9.6 25.3 8.0 10.8 2.7 0.0 -4.3
2010
Percent of families with owned vehicles By percentile of income
100
Percent
90 80 70 60 50 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 51.6 1992 56.3 1995 58.2 1998 58.7 2001 56.8 2004 65.0 2007 64.4 2010 64.9
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with owned vehicles Percentile of income 20-39.9 40-59.9 60-79.9 80-89.9
81.3 86.2 85.3 81.9 86.7 85.3 85.9 85.4
Three-year change (percentage points) 1992 4.7 4.9 1995 1.9 -0.9 1998 0.5 -3.4 2001 -1.9 4.8 2004 8.2 -1.4 2007 -0.6 0.6 2010 0.5 -0.5
2010
90-100
94.9 93.9 91.1 89.2 91.6 91.6 94.3 91.8
95.0 96.6 92.8 93.0 94.8 95.3 95.4 95.4
96.9 97.9 93.8 92.8 95.4 95.9 95.6 96.4
95.2 96.9 92.3 90.0 92.8 93.1 94.8 95.7
-1.0 -2.8 -1.9 2.4 0.0 2.7 -2.5
1.6 -3.8 0.2 1.8 0.5 0.1 0.0
1.0 -4.1 -1.0 2.6 0.5 -0.3 0.8
1.7 -4.6 -2.3 2.8 0.3 1.7 0.9
Median value of owned vehicles for families with holdings By percentile of income
Thousands of 2010 dollars
40
30
20
10
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of owned vehicles for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 3.3 7.0 1992 3.9 6.3 1995 5.4 8.8 1998 5.5 8.4 2001 6.5 10.3 2004 5.2 8.9 2007 5.9 9.6 2010 5.8 9.3 Three-year change (percent) 1992 18.2 -10.0 1995 38.5 39.7 1998 1.9 -4.5 2001 18.2 22.6 2004 -20.0 -13.6 2007 13.5 7.9 2010 -1.7 -3.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
10.2 9.0 13.0 12.9 15.4 15.1 15.3 13.8
14.5 13.9 18.3 18.7 21.5 22.8 21.4 20.1
20.5 16.4 23.3 24.6 27.8 29.7 26.6 27.9
26.0 22.9 31.6 33.9 36.7 38.0 35.5 35.8
-11.8 44.4 -0.8 19.4 -1.9 1.3 -9.8
-4.1 31.7 2.2 15.0 6.0 -6.1 -6.1
-20.0 42.1 5.6 13.0 6.8 -10.4 4.9
-11.9 38.0 7.3 8.3 3.5 -6.6 0.8
Mean value of owned vehicles for families with holdings By percentile of income
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of owned vehicles for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 6.6 9.0 1992 6.3 8.7 1995 7.8 11.1 1998 8.4 11.8 2001 9.7 13.7 2004 9.1 12.6 2007 8.9 13.2 2010 10.9 12.0 Three-year change (percent) 1992 -4.5 -3.3 1995 23.8 27.6 1998 7.7 6.3 2001 15.5 16.1 2004 -6.2 -8.0 2007 -2.2 4.8 2010 22.5 -9.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
12.6 11.7 15.8 16.4 18.0 18.2 18.1 17.9
18.4 16.7 21.8 22.2 25.5 27.5 26.0 23.6
23.5 21.0 28.0 27.5 32.2 33.3 31.3 31.1
37.5 32.9 37.7 47.7 47.0 52.3 55.8 51.4
-7.1 35.0 3.8 9.8 1.1 -0.5 -1.1
-9.2 30.5 1.8 14.9 7.8 -5.5 -9.2
-10.6 33.3 -1.8 17.1 3.4 -6.0 -0.6
-12.3 14.6 26.5 -1.5 11.3 6.7 -7.9
Percent of families with owned vehicles By age of head
95 90
Percent
85 80 75 70 65 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 81.4 1992 83.7 1995 83.8 1998 78.3 2001 78.8 2004 82.9 2007 85.4 2010 79.4
2004
35−44 65−74
Percent of families with owned vehicles Age of head 35-44 45-54 55-64
88.9 88.7 84.7 85.8 88.9 89.4 87.5 88.9
Three-year change (percentage points) 1992 2.3 -0.2 1995 0.1 -4.0 1998 -5.5 1.1 2001 0.5 3.1 2004 4.1 0.5 2007 2.5 -1.9 2010 -6.0 1.4
2007
2010
45−54 75 or older
65-74
75 or older
90.8 92.9 88.2 87.5 90.5 88.8 90.3 91.0
86.3 87.1 88.4 88.7 90.7 88.6 92.2 90.3
81.5 86.1 82.5 83.4 81.3 89.1 90.6 86.5
66.1 73.0 72.2 69.8 73.9 76.9 71.5 83.4
2.1 -4.7 -0.7 3.0 -1.7 1.5 0.7
0.8 1.3 0.3 2.0 -2.1 3.6 -1.9
4.6 -3.6 0.9 -2.1 7.8 1.5 -4.1
6.9 -0.8 -2.4 4.1 3.0 -5.4 11.9
Median value of owned vehicles for families with holdings By age of head
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of owned vehicles for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 9.3 13.7 1992 9.0 11.4 1995 12.5 15.1 1998 11.8 15.2 2001 13.9 18.1 2004 13.0 18.0 2007 14.0 18.3 2010 12.4 16.5 Three-year change (percent) 1992 -3.2 -16.8 1995 38.9 32.5 1998 -5.6 0.7 2001 17.8 19.1 2004 -6.5 -0.6 2007 7.7 1.7 2010 -11.4 -9.8
Age of head 45-54 55-64
65-74
75 or older
15.9 12.8 18.2 17.0 19.2 21.6 19.6 18.4
12.0 12.6 16.3 18.0 18.6 21.4 18.2 17.8
9.2 7.5 11.6 14.4 16.6 14.2 15.3 16.0
6.7 6.7 7.4 9.4 10.8 9.6 9.8 10.6
-19.5 42.2 -6.6 12.9 12.5 -9.3 -6.1
5.0 29.4 10.4 3.3 15.1 -15.0 -2.2
-18.5 54.7 24.1 15.3 -14.5 7.7 4.6
0.0 10.4 27.0 14.9 -11.1 2.1 8.2
Mean value of owned vehicles for families with holdings By age of head
Thousands of 2010 dollars
30
25
20
15
10 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of owned vehicles for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 12.4 18.2 1992 12.6 16.0 1995 15.7 19.5 1998 15.2 21.1 2001 17.8 22.7 2004 16.7 24.2 2007 18.4 23.0 2010 16.7 21.0 Three-year change (percent) 1992 1.6 -12.1 1995 24.6 21.9 1998 -3.2 8.2 2001 17.1 7.6 2004 -6.2 6.6 2007 10.2 -5.0 2010 -9.2 -8.7
Age of head 45-54 55-64
65-74
75 or older
22.8 17.0 23.8 23.4 26.0 26.5 26.1 26.8
19.0 18.9 21.1 26.2 26.6 30.6 27.4 25.7
15.3 13.4 18.0 20.4 23.5 22.6 26.1 24.9
9.9 10.4 12.9 14.3 16.3 15.7 14.5 14.7
-25.4 40.0 -1.7 11.1 1.9 -1.5 2.7
-0.5 11.6 24.2 1.5 15.0 -10.5 -6.2
-12.4 34.3 13.3 15.2 -3.8 15.5 -4.6
5.1 24.0 10.9 14.0 -3.7 -7.6 1.4
Percent of families with owned vehicles By family structure
100
Percent
90 80 70 60 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
Year
Single with child(ren)
Level (percent) 1989 62.2 1992 66.4 1995 69.1 1998 67.9 2001 72.6 2004 77.9 2007 77.3 2010 79.1
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with owned vehicles Family structure Single, no Single, no Couple with child, child, child(ren) age<55 age≥55 73.6 79.4 77.5 73.8 76.3 77.9 78.4 74.6
Three-year change (percentage points) 1992 4.2 5.8 1995 2.7 -1.9 1998 -1.2 -3.7 2001 4.7 2.5 2004 5.3 1.6 2007 -0.6 0.5 2010 1.8 -3.8
2010
Couple, no child
61.2 70.6 70.1 69.4 69.2 75.3 73.7 76.3
96.3 95.8 92.8 91.6 93.9 93.2 94.9 94.8
96.8 96.2 91.5 91.2 91.3 92.9 94.0 93.2
9.4 -0.5 -0.7 -0.2 6.1 -1.6 2.6
-0.5 -3.0 -1.2 2.3 -0.7 1.7 -0.1
-0.6 -4.7 -0.3 0.1 1.6 1.1 -0.8
Median value of owned vehicles for families with holdings By family structure
Thousands of 2010 dollars
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of owned vehicles for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 7.0 7.2 1992 6.0 6.4 1995 8.3 10.6 1998 8.1 9.8 2001 10.0 10.6 2004 8.8 10.3 2007 9.0 10.3 2010 9.6 9.6 Three-year change (percent) 1992 -14.3 1995 38.3 1998 -2.4 2001 23.5 2004 -12.0 2007 2.3 2010 6.7
-11.1 65.6 -7.5 8.2 -2.8 0.0 -6.8
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
6.1 5.4 6.6 6.6 8.2 7.6 8.0 7.5
14.6 13.3 18.3 18.0 21.9 23.3 22.6 21.3
15.2 13.4 18.1 20.3 20.5 21.7 20.2 20.3
-11.5 22.2 0.0 24.2 -7.3 5.3 -6.2
-8.9 37.6 -1.6 21.7 6.4 -3.0 -5.8
-11.8 35.1 12.2 1.0 5.9 -6.9 0.5
Mean value of owned vehicles for families with holdings By family structure
Thousands of 2010 dollars
30 25 20 15 10 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of owned vehicles for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 9.6 9.9 1992 9.6 9.6 1995 10.8 13.3 1998 11.4 13.2 2001 13.8 13.8 2004 12.7 13.4 2007 13.5 12.8 2010 12.7 15.0 Three-year change (percent) 1992 0.0 1995 12.5 1998 5.6 2001 21.1 2004 -8.0 2007 6.3 2010 -5.9
-3.0 38.5 -0.8 4.5 -2.9 -4.5 17.2
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
9.4 9.0 11.1 10.6 12.3 12.3 12.1 12.4
19.6 17.9 22.5 23.8 27.0 29.1 28.6 27.0
20.7 18.3 23.0 26.4 27.4 29.5 29.3 27.6
-4.3 23.3 -4.5 16.0 0.0 -1.6 2.5
-8.7 25.7 5.8 13.4 7.8 -1.7 -5.6
-11.6 25.7 14.8 3.8 7.7 -0.7 -5.8
Percent of families with owned vehicles By education of head
95 90
Percent
85 80 75 70 65 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
3.1 -0.7 -1.0 2.3 0.6 -0.1 -1.7
2010
High school diploma College degree
Percent of families with owned vehicles Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 71.8 83.3 87.4 1992 70.2 86.4 87.3 1995 71.8 85.7 84.6 1998 69.4 84.7 84.3 2001 66.0 87.0 87.4 2004 70.1 87.6 88.2 2007 73.7 87.5 86.7 2010 76.2 85.8 85.4 Three-year change (percentage points) 1992 -1.6 1995 1.6 1998 -2.4 2001 -3.4 2004 4.1 2007 3.6 2010 2.5
2007
-0.1 -2.7 -0.3 3.1 0.8 -1.5 -1.3
College degree
92.7 95.3 89.5 86.9 90.2 90.7 91.9 91.5 2.6 -5.8 -2.6 3.3 0.5 1.2 -0.4
Median value of owned vehicles for families with holdings By education of head
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of owned vehicles for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 6.9 1992 6.3 1995 9.1 1998 8.9 2001 10.4 2004 8.5 2007 10.9 2010 9.6 Three-year change (percent) 1992 -8.7 1995 44.4 1998 -2.2 2001 16.9 2004 -18.3 2007 28.2 2010 -11.9
Education of head High school Some college diploma
College degree
11.6 9.1 14.3 12.9 15.1 14.2 13.9 13.3
12.1 10.8 13.1 14.5 15.9 15.2 15.2 14.5
14.3 13.4 17.1 18.3 21.3 21.7 20.8 19.5
-21.6 57.1 -9.8 17.1 -6.0 -2.1 -4.3
-10.7 21.3 10.7 9.7 -4.4 0.0 -4.6
-6.3 27.6 7.0 16.4 1.9 -4.1 -6.2
Mean value of owned vehicles for families with holdings By education of head
Thousands of 2010 dollars
30
25
20
15
10 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of owned vehicles for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 10.9 1992 9.9 1995 12.9 1998 13.1 2001 15.3 2004 14.3 2007 15.2 2010 14.0 Three-year change (percent) 1992 -9.2 1995 30.3 1998 1.6 2001 16.8 2004 -6.5 2007 6.3 2010 -7.9
Education of head High school Some college diploma
College degree
16.9 12.8 18.6 17.4 19.6 20.5 19.4 18.7
16.8 14.8 17.7 20.9 21.0 21.1 22.6 20.9
19.9 19.3 22.6 25.5 28.2 28.9 28.9 27.7
-24.3 45.3 -6.5 12.6 4.6 -5.4 -3.6
-11.9 19.6 18.1 0.5 0.5 7.1 -7.5
-3.0 17.1 12.8 10.6 2.5 0.0 -4.2
Percent of families with owned vehicles By race or ethnicity of respondent
90
Percent
85 80 75 70 65 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with owned vehicles Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 89.2 90.9 88.2 87.4 89.2 90.3 89.6 90.9
Three-year change (percentage points) 1992 1.7 1995 -2.7 1998 -0.8 2001 1.8 2004 1.1 2007 -0.7 2010 1.3
67.6 71.5 69.7 67.8 71.4 76.1 80.9 78.1 3.9 -1.8 -1.9 3.6 4.7 4.8 -2.8
Median value of owned vehicles for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
18 16 14 12 10 8 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of owned vehicles for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 12.7 7.4 1992 11.1 7.4 1995 15.2 10.4 1998 15.8 10.7 2001 17.9 12.2 2004 18.1 11.2 2007 17.9 12.5 2010 16.7 12.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-12.6 36.9 3.9 13.3 1.1 -1.1 -6.7
0.0 40.5 2.9 14.0 -8.2 11.6 -1.6
Mean value of owned vehicles for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
25
20
15
10 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of owned vehicles for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 17.6 12.7 1992 16.0 11.1 1995 19.9 14.1 1998 21.5 15.0 2001 23.9 16.9 2004 25.0 17.2 2007 25.2 17.4 2010 23.8 18.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-9.1 24.4 8.0 11.2 4.6 0.8 -5.6
-12.6 27.0 6.4 12.7 1.8 1.2 3.4
Percent of families with owned vehicles By current work status of head
100
Percent
90 80 70 60 50 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 1.4 1995 -1.3 1998 -2.3 2001 0.9 2004 1.2 2007 1.6 2010 -1.4
2010
Self−employed Other not working
Percent of families with owned vehicles Current work status of head Employee Self-employed Retired
89.8 91.2 89.9 87.6 88.5 89.7 91.3 89.9
2007
Other not working
94.2 95.4 86.1 89.5 88.6 91.2 90.6 88.5
74.6 78.7 76.1 73.4 77.1 79.0 78.6 82.4
49.2 62.9 59.1 58.3 63.4 66.9 69.3 72.8
1.2 -9.3 3.4 -0.9 2.6 -0.6 -2.1
4.1 -2.6 -2.7 3.7 1.9 -0.4 3.8
13.7 -3.8 -0.8 5.1 3.5 2.4 3.5
Median value of owned vehicles for families with holdings By current work status of head
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of owned vehicles for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 12.7 1992 11.2 1995 15.3 1998 15.0 2001 16.8 2004 17.1 2007 17.8 2010 16.3
17.6 17.1 17.9 20.6 23.5 25.2 23.2 21.7
8.1 6.9 10.5 11.4 12.3 11.6 11.9 11.7
4.0 6.3 8.8 9.6 12.5 12.3 7.2 10.7
Three-year change (percent) 1992 -11.8 1995 36.6 1998 -2.0 2001 12.0 2004 1.8 2007 4.1 2010 -8.4
-2.8 4.7 15.1 14.1 7.2 -7.9 -6.5
-14.8 52.2 8.6 7.9 -5.7 2.6 -1.7
57.5 39.7 9.1 30.2 -1.6 -41.5 48.6
Mean value of owned vehicles for families with holdings By current work status of head
Thousands of 2010 dollars
35 30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of owned vehicles for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 15.8 1992 14.7 1995 19.2 1998 19.3 2001 21.5 2004 22.4 2007 23.0 2010 21.7
28.6 24.3 25.5 31.0 34.3 36.0 36.6 33.7
13.5 12.0 16.1 18.6 19.1 18.9 18.3 19.3
7.4 10.6 12.0 11.9 17.5 16.7 13.4 14.4
Three-year change (percent) 1992 -7.0 1995 30.6 1998 0.5 2001 11.4 2004 4.2 2007 2.7 2010 -5.7
-15.0 4.9 21.6 10.6 5.0 1.7 -7.9
-11.1 34.2 15.5 2.7 -1.0 -3.2 5.5
43.2 13.2 -0.8 47.1 -4.6 -19.8 7.5
Percent of families with owned vehicles By current occupation of head
95
Percent
90 85 80 75 70 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
4.9 -4.2 -2.5 1.4 1.2 2.3 -0.7
2010
Technical, sales, or services Retired or other not working
Percent of families with owned vehicles Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 95.1 84.3 92.2 1992 94.8 89.2 92.0 1995 90.0 85.0 93.0 1998 88.8 82.5 91.5 2001 90.7 83.9 90.8 2004 92.0 85.1 92.1 2007 93.1 87.4 92.6 2010 91.0 86.7 91.1 Three-year change (percentage points) 1992 -0.3 1995 -4.8 1998 -1.2 2001 1.9 2004 1.3 2007 1.1 2010 -2.1
2007
-0.2 1.0 -1.5 -0.7 1.3 0.5 -1.5
Retired or other not working 69.3 75.0 72.7 70.8 74.9 77.2 77.1 80.3 5.7 -2.3 -1.9 4.1 2.3 -0.1 3.2
Median value of owned vehicles for families with holdings By current occupation of head
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of owned vehicles for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 14.9 11.2 13.1 1992 14.4 10.5 10.9 1995 17.7 13.6 16.1 1998 18.2 13.6 15.0 2001 21.0 15.7 16.2 2004 22.2 14.7 16.7 2007 21.2 15.1 17.5 2010 20.8 12.7 17.2 Year
Three-year change (percent) 1992 -3.4 1995 22.9 1998 2.8 2001 15.4 2004 5.7 2007 -4.5 2010 -1.9
-6.2 29.5 0.0 15.4 -6.4 2.7 -15.9
-16.8 47.7 -6.8 8.0 3.1 4.8 -1.7
Retired or other not working 7.5 6.8 9.9 10.9 12.4 11.7 10.9 11.5 -9.3 45.6 10.1 13.8 -5.6 -6.8 5.5
Mean value of owned vehicles for families with holdings By current occupation of head
Thousands of 2010 dollars
30
25
20
15
10 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of owned vehicles for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 21.4 15.4 17.1 1992 20.5 13.7 14.6 1995 24.1 17.7 19.2 1998 25.5 18.3 19.4 2001 28.4 20.2 21.0 2004 29.8 20.7 21.6 2007 30.7 20.1 22.3 2010 29.3 18.3 21.4 Year
Three-year change (percent) 1992 -4.2 1995 17.6 1998 5.8 2001 11.4 2004 4.9 2007 3.0 2010 -4.6
-11.0 29.2 3.4 10.4 2.5 -2.9 -9.0
-14.6 31.5 1.0 8.2 2.9 3.2 -4.0
Retired or other not working 12.6 11.7 15.4 17.7 18.9 18.6 17.7 18.3 -7.1 31.6 14.9 6.8 -1.6 -4.8 3.4
Percent of families with owned vehicles By region
90
Percent
85
80
75 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
Three-year change (percentage points) 1992 -2.3 1995 1.7 1998 -3.9 2001 -0.5 2004 6.2 2007 -5.0 2010 3.1
2010
South
Percent of families with owned vehicles Region Northeast Midwest South 79.2 76.9 78.6 74.7 74.2 80.4 75.4 78.5
2007
West
83.2 89.8 87.0 84.2 89.3 89.4 89.5 90.1
83.1 87.9 83.9 86.7 86.2 84.9 89.2 87.5
90.3 87.6 86.3 82.3 87.0 90.6 90.5 88.8
6.6 -2.8 -2.8 5.1 0.1 0.1 0.6
4.8 -4.0 2.8 -0.5 -1.3 4.3 -1.7
-2.7 -1.3 -4.0 4.7 3.6 -0.1 -1.7
Median value of owned vehicles for families with holdings By region
Thousands of 2010 dollars
18
16
14
12
10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of owned vehicles for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 12.2 1992 10.5 1995 14.2 1998 14.1 2001 16.5 2004 18.0 2007 15.1 2010 16.2 Three-year change (percent) 1992 -13.9 1995 35.2 1998 -0.7 2001 17.0 2004 9.1 2007 -16.1 2010 7.3
Midwest
South
West
12.3 11.3 15.4 15.1 17.3 16.1 15.2 13.6
11.3 9.6 14.3 15.7 17.9 15.8 16.3 15.4
10.4 10.1 11.8 12.6 14.1 16.4 17.9 16.3
-8.1 36.3 -1.9 14.6 -6.9 -5.6 -10.5
-15.0 49.0 9.8 14.0 -11.7 3.2 -5.5
-2.9 16.8 6.8 11.9 16.3 9.1 -8.9
Mean value of owned vehicles for families with holdings By region
Thousands of 2010 dollars
26 24 22 20 18 16 14 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of owned vehicles for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 17.8 1992 14.5 1995 18.8 1998 19.3 2001 22.2 2004 23.6 2007 22.2 2010 23.0 Three-year change (percent) 1992 -18.5 1995 29.7 1998 2.7 2001 15.0 2004 6.3 2007 -5.9 2010 3.6
Midwest
South
West
17.6 15.7 19.8 20.2 22.2 23.1 20.9 20.5
15.6 14.0 19.2 21.4 23.9 22.9 22.8 22.3
15.8 16.1 17.3 19.3 20.4 23.2 26.2 22.8
-10.8 26.1 2.0 9.9 4.1 -9.5 -1.9
-10.3 37.1 11.5 11.7 -4.2 -0.4 -2.2
1.9 7.5 11.6 5.7 13.7 12.9 -13.0
Percent of families with owned vehicles By urbanicity
92
Percent
90 88 86 84 82 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Percent of families with owned vehicles Urbanicity Metropolitan Statistical Area (MSA) 83.1 85.2 83.7 81.6 84.5 85.9 86.2 86.0
Three-year change (percentage points) 1992 2.1 1995 -1.5 1998 -2.1 2001 2.9 2004 1.4 2007 0.3 2010 -0.2
2007
2010
Non−MSA
Non-MSA
86.8 89.9 86.6 90.3 86.9 88.3 90.9 90.2 3.1 -3.3 3.7 -3.4 1.4 2.6 -0.7
Median value of owned vehicles for families with holdings By urbanicity
Thousands of 2010 dollars
18 16 14 12 10 8 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of owned vehicles for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 11.4 1992 10.7 1995 14.2 1998 14.3 2001 16.7 2004 16.5 2007 16.6 2010 15.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-6.1 32.7 0.7 16.8 -1.2 0.6 -6.6
2010
Non-MSA
12.8 8.7 13.2 15.1 16.0 15.0 15.1 14.4 -32.0 51.7 14.4 6.0 -6.2 0.7 -4.6
Mean value of owned vehicles for families with holdings By urbanicity
Thousands of 2010 dollars
24 22 20 18 16 14 12 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of owned vehicles for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 16.4 1992 15.5 1995 19.0 1998 20.6 2001 22.8 2004 23.9 2007 23.5 2010 22.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-5.5 22.6 8.4 10.7 4.8 -1.7 -3.8
2010
Non-MSA
17.3 12.9 17.8 18.7 20.5 19.6 21.1 19.8 -25.4 38.0 5.1 9.6 -4.4 7.7 -6.2
Percent of families with owned vehicles By housing status
95 90
Percent
85 80 75 70 65 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with owned vehicles Housing status Owner Renter or other 92.9 93.5 90.9 90.6 92.2 92.3 93.8 93.9
Three-year change (percentage points) 1992 0.6 1995 -2.6 1998 -0.3 2001 1.6 2004 0.1 2007 1.5 2010 0.1
67.6 73.0 71.6 67.6 69.3 73.0 72.3 71.9 5.4 -1.4 -4.0 1.7 3.7 -0.7 -0.4
2010
Median value of owned vehicles for families with holdings By housing status
Thousands of 2010 dollars
20
15
10
5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of owned vehicles for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 14.3 1992 12.6 1995 16.9 1998 17.6 2001 19.8 2004 20.1 2007 19.3 2010 18.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-11.9 34.1 4.1 12.5 1.5 -4.0 -2.6
Renter or other 6.5 6.4 9.0 8.2 9.4 8.2 9.0 8.5 -1.5 40.6 -8.9 14.6 -12.8 9.8 -5.6
2010
Mean value of owned vehicles for families with holdings By housing status
Thousands of 2010 dollars
30
25
20
15
10 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of owned vehicles for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 19.3 1992 17.4 1995 21.8 1998 23.7 2001 26.1 2004 27.1 2007 26.6 2010 25.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-9.8 25.3 8.7 10.1 3.8 -1.8 -2.6
Renter or other 9.9 9.5 11.9 11.4 12.4 12.0 13.1 12.1 -4.0 25.3 -4.2 8.8 -3.2 9.2 -7.6
2010
Percent of families with owned vehicles By percentile of net worth
100
Percent
90
80
70
60 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
-1.5 -2.2 -0.7 3.9 -2.2 1.3 -0.1
2010
50−74.9
Percent of families with owned vehicles Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 58.5 87.2 94.7 95.1 1992 65.6 89.1 93.2 96.6 1995 65.3 87.8 91.0 92.1 1998 62.3 87.4 90.3 90.8 2001 64.8 86.7 94.2 93.0 2004 69.8 89.2 92.0 95.2 2007 69.5 91.2 93.3 94.5 2010 67.4 91.6 93.2 94.3 Three-year change (percentage points) 1992 7.1 1.9 1995 -0.3 -1.3 1998 -3.0 -0.4 2001 2.5 -0.7 2004 5.0 2.5 2007 -0.3 2.0 2010 -2.1 0.4
2007
1.5 -4.5 -1.3 2.2 2.2 -0.7 -0.2
90-100 93.8 96.2 92.4 92.0 94.1 93.1 93.6 95.2 2.4 -3.8 -0.4 2.1 -1.0 0.5 1.6
Median value of owned vehicles for families with holdings By percentile of net worth
Thousands of 2010 dollars
35 30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of owned vehicles for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 3.9 9.4 1992 4.4 8.6 1995 6.3 12.1 1998 6.6 11.4 2001 7.7 14.4 2004 6.4 13.6 2007 7.2 13.7 2010 6.9 11.7 Three-year change (percent) 1992 12.8 1995 43.2 1998 4.8 2001 16.7 2004 -16.9 2007 12.5 2010 -4.2
-8.5 40.7 -5.8 26.3 -5.6 0.7 -14.6
Percentile of net worth 50-74.9
75-89.9
90-100
14.2 12.5 16.1 16.8 18.7 20.0 18.3 17.7
15.8 14.4 20.1 20.7 23.3 26.0 22.9 22.7
24.2 22.8 28.6 31.1 35.3 35.2 32.8 32.7
-12.0 28.8 4.3 11.3 7.0 -8.5 -3.3
-8.9 39.6 3.0 12.6 11.6 -11.9 -0.9
-5.8 25.4 8.7 13.5 -0.3 -6.8 -0.3
Mean value of owned vehicles for families with holdings By percentile of net worth
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of owned vehicles for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 6.8 11.8 1992 6.5 11.0 1995 9.0 14.7 1998 9.1 14.7 2001 10.2 16.9 2004 9.7 16.4 2007 10.9 16.9 2010 10.8 15.2 Three-year change (percent) 1992 -4.4 1995 38.5 1998 1.1 2001 12.1 2004 -4.9 2007 12.4 2010 -0.9
-6.8 33.6 0.0 15.0 -3.0 3.0 -10.1
Percentile of net worth 50-74.9
75-89.9
90-100
16.6 15.3 19.2 20.1 22.5 23.7 22.4 21.5
19.5 17.7 23.6 25.5 28.1 31.4 28.1 27.5
38.3 33.6 38.4 45.6 47.9 50.1 54.6 52.4
-7.8 25.5 4.7 11.9 5.3 -5.5 -4.0
-9.2 33.3 8.1 10.2 11.7 -10.5 -2.1
-12.3 14.3 18.8 5.0 4.6 9.0 -4.0
Percent of families with other residential real estate For all families
14.5 14
Percent
13.5 13 12.5 12 11.5 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with other residential real estate All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
13.1 12.7 11.8 12.8 11.3 12.5 13.8 14.3 -0.4 -0.9 1.0 -1.5 1.2 1.3 0.5
2007
2010
Median value of other residential real estate for families with holdings For all families
Thousands of 2010 dollars
160
140
120
100
80
60 1989
1992
1995
1998 2001 Year
2004
2007
Median value of other residential real estate for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 84.3 75.8 70.8 86.7 98.0 115.1 154.0 120.0 -10.1 -6.6 22.5 13.0 17.4 33.8 -22.1
2010
Mean value of other residential real estate for families with holdings For all families
Thousands of 2010 dollars
350
300
250
200
150 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of other residential real estate for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 154.2 151.1 150.3 172.8 228.3 307.6 352.3 288.9 -2.0 -0.5 15.0 32.1 34.7 14.5 -18.0
2010
Percent of families with other residential real estate By percentile of income
40
Percent
30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with other residential real estate Percentile of income Year Less than 20-39.9 40-59.9 60-79.9 80-89.9 20 Level (percent) 1989 3.7 6.6 11.4 15.4 20.4 1992 2.9 6.9 11.9 13.7 20.0 1995 4.0 7.7 9.1 12.6 16.7 1998 1.9 6.8 11.8 17.0 17.7 2001 3.1 5.4 7.9 14.2 19.7 2004 3.6 6.9 10.0 14.0 19.4 2007 5.4 6.5 9.9 15.4 21.0 2010 4.4 7.4 11.6 16.0 22.8 Three-year change (percentage points) 1992 -0.8 0.3 1995 1.1 0.8 1998 -2.1 -0.9 2001 1.2 -1.4 2004 0.5 1.5 2007 1.8 -0.4 2010 -1.0 0.9
0.5 -2.8 2.7 -3.9 2.1 -0.1 1.7
-1.7 -1.1 4.4 -2.8 -0.2 1.4 0.6
2010
-0.4 -3.3 1.0 2.0 -0.3 1.6 1.8
90-100
36.8 35.8 34.5 35.5 32.8 37.2 42.2 42.1 -1.0 -1.3 1.0 -2.7 4.4 5.0 -0.1
Median value of other residential real estate for families with holdings By percentile of income
Thousands of 2010 dollars
400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of other residential real estate for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 22.8 42.2 1992 37.9 34.9 1995 42.5 37.2 1998 106.7 80.0 2001 30.6 91.9 2004 38.0 74.8 2007 62.9 60.2 2010 82.0 70.0 Three-year change (percent) 1992 66.2 -17.3 1995 12.1 6.6 1998 151.1 115.1 2001 -71.3 14.9 2004 24.2 -18.6 2007 65.5 -19.5 2010 30.4 16.3
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
75.9 60.6 59.0 63.4 61.3 63.3 104.8 82.0
67.5 60.6 70.8 86.7 85.8 115.1 125.7 71.0
101.2 87.9 90.6 71.1 76.6 112.8 183.3 120.0
160.2 144.0 141.6 161.0 245.1 300.6 340.5 320.0
-20.2 -2.6 7.5 -3.3 3.3 65.6 -21.8
-10.2 16.8 22.5 -1.0 34.1 9.2 -43.5
-13.1 3.1 -21.5 7.7 47.3 62.5 -34.5
-10.1 -1.7 13.7 52.2 22.6 13.3 -6.0
Mean value of other residential real estate for families with holdings By percentile of income
Thousands of 2010 dollars
800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of other residential real estate for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 47.1 59.6 1992 72.5 59.9 1995 80.0 61.6 1998 178.5 112.3 2001 45.6 121.0 2004 138.2 132.8 2007 145.7 117.7 2010 229.5 125.1 Three-year change (percent) 1992 53.9 0.5 1995 10.3 2.8 1998 123.1 82.3 2001 -74.5 7.7 2004 203.1 9.8 2007 5.4 -11.4 2010 57.5 6.3
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
121.1 97.7 97.8 98.7 126.6 124.0 160.2 144.6
89.9 104.9 122.5 129.4 127.0 220.8 235.8 159.0
176.8 128.2 146.0 156.9 158.4 196.8 266.4 202.2
271.6 282.5 256.4 294.0 475.9 625.9 695.0 582.9
-19.3 0.1 0.9 28.3 -2.1 29.2 -9.7
16.7 16.8 5.6 -1.9 73.9 6.8 -32.6
-27.5 13.9 7.5 1.0 24.2 35.4 -24.1
4.0 -9.2 14.7 61.9 31.5 11.0 -16.1
Percent of families with other residential real estate By age of head
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with other residential real estate Age of head Year Less than 35-44 45-54 55-64 65-74 35 Level (percent) 1989 3.8 12.3 20.4 20.4 19.5 1992 4.6 11.8 15.9 21.9 17.8 1995 4.2 9.7 16.3 19.9 16.1 1998 3.5 12.2 16.2 20.4 18.4 2001 3.4 9.2 14.7 18.3 13.7 2004 5.1 9.4 16.3 19.5 19.9 2007 5.6 12.0 15.7 20.9 18.9 2010 4.5 9.7 17.0 22.1 22.8 Three-year change (percentage points) 1992 0.8 -0.5 1995 -0.4 -2.1 1998 -0.7 2.5 2001 -0.1 -3.0 2004 1.7 0.2 2007 0.5 2.6 2010 -1.1 -2.3
-4.5 0.4 -0.1 -1.5 1.6 -0.6 1.3
1.5 -2.0 0.5 -2.1 1.2 1.4 1.2
2010
-1.7 -1.7 2.3 -4.7 6.2 -1.0 3.9
75 or older
12.2 11.3 12.2 13.6 15.2 9.7 13.4 14.6 -0.9 0.9 1.4 1.6 -5.5 3.7 1.2
Median value of other residential real estate for families with holdings By age of head
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of other residential real estate for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 53.1 84.3 1992 48.5 53.8 1995 48.2 66.6 1998 56.7 60.0 2001 91.9 91.9 2004 94.9 92.1 2007 89.1 157.2 2010 72.0 75.0 Three-year change (percent) 1992 -8.7 -36.2 1995 -0.6 23.8 1998 17.6 -9.9 2001 62.1 53.2 2004 3.3 0.2 2007 -6.1 70.7 2010 -19.2 -52.3
Age of head 45-54 55-64
65-74
75 or older
105.4 98.5 85.0 98.7 79.6 103.6 157.2 103.4
84.3 75.8 77.9 93.4 98.0 155.3 164.5 165.0
59.0 68.2 80.7 100.0 177.7 92.1 157.2 125.0
84.3 87.2 38.2 137.4 98.0 172.6 104.8 125.0
-6.5 -13.7 16.1 -19.4 30.2 51.7 -34.2
-10.1 2.8 19.9 4.9 58.5 5.9 0.3
15.6 18.3 23.9 77.7 -48.2 70.7 -20.5
3.4 -56.2 259.7 -28.7 76.1 -39.3 19.3
Mean value of other residential real estate for families with holdings By age of head
Thousands of 2010 dollars
500 400 300 200 100 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of other residential real estate for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 98.2 118.0 1992 115.4 105.9 1995 90.7 117.0 1998 83.6 130.9 2001 193.7 143.5 2004 171.8 273.0 2007 168.8 330.0 2010 121.0 173.6 Three-year change (percent) 1992 17.5 -10.3 1995 -21.4 10.5 1998 -7.8 11.9 2001 131.7 9.6 2004 -11.3 90.2 2007 -1.7 20.9 2010 -28.3 -47.4
Age of head 45-54 55-64
65-74
75 or older
178.3 191.5 162.8 166.2 207.0 322.3 354.1 281.7
194.9 166.1 176.5 203.9 242.9 383.9 407.1 342.5
156.9 149.6 171.2 194.0 432.0 260.0 397.1 322.3
115.8 169.1 145.3 235.2 185.2 348.8 341.2 348.0
7.4 -15.0 2.1 24.5 55.7 9.9 -20.4
-14.8 6.3 15.5 19.1 58.0 6.0 -15.9
-4.7 14.4 13.3 122.7 -39.8 52.7 -18.8
46.0 -14.1 61.9 -21.3 88.3 -2.2 2.0
Percent of families with other residential real estate By family structure
25
Percent
20 15 10 5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with other residential real estate Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 6.3 6.2 11.5 13.3 1992 4.3 8.3 9.8 13.1 1995 5.8 5.6 8.9 13.1 1998 6.2 7.2 10.3 13.1 2001 6.4 5.6 9.8 13.0 2004 5.2 8.4 11.4 12.6 2007 7.4 6.2 12.1 15.5 2010 6.2 6.3 11.8 15.5 Three-year change (percentage points) 1992 -2.0 2.1 1995 1.5 -2.7 1998 0.4 1.6 2001 0.2 -1.6 2004 -1.2 2.8 2007 2.2 -2.2 2010 -1.2 0.1
2010
-1.7 -0.9 1.4 -0.5 1.6 0.7 -0.3
-0.2 0.0 0.0 -0.1 -0.4 2.9 0.0
Couple, no child
22.3 20.5 18.2 20.3 15.2 18.9 19.4 22.6 -1.8 -2.3 2.1 -5.1 3.7 0.5 3.2
Median value of other residential real estate for families with holdings
Thousands of 2010 dollars
By family structure
200 150 100 50 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of other residential real estate for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 84.3 53.1 1992 68.2 37.9 1995 80.7 63.0 1998 63.4 120.0 2001 55.1 126.2 2004 23.0 94.9 2007 52.4 157.2 2010 100.0 70.0 Three-year change (percent) 1992 -19.1 1995 18.3 1998 -21.4 2001 -13.1 2004 -58.3 2007 127.8 2010 90.8
-28.6 66.2 90.5 5.2 -24.8 65.6 -55.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
50.6 75.8 35.4 93.4 104.2 97.8 83.8 151.0
87.7 77.3 77.9 66.7 85.8 106.4 157.2 120.0
101.2 75.8 80.7 114.7 104.2 143.8 188.6 120.0
49.8 -53.3 163.8 11.6 -6.1 -14.3 80.2
-11.9 0.8 -14.4 28.6 24.0 47.7 -23.7
-25.1 6.5 42.1 -9.2 38.0 31.2 -36.4
Mean value of other residential real estate for families with holdings
Thousands of 2010 dollars
By family structure
400 350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of other residential real estate for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 110.5 110.8 1992 124.4 92.1 1995 122.1 106.7 1998 88.0 141.7 2001 124.8 207.9 2004 112.4 191.2 2007 168.9 302.5 2010 229.4 136.7 Three-year change (percent) 1992 12.6 1995 -1.8 1998 -27.9 2001 41.8 2004 -9.9 2007 50.3 2010 35.8
-16.9 15.9 32.8 46.7 -8.0 58.2 -54.8
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
136.0 145.1 142.7 186.9 189.1 227.3 261.2 253.6
160.2 150.1 145.3 154.6 216.3 365.2 383.5 316.6
169.7 172.1 168.5 202.3 271.7 343.0 394.2 307.8
6.7 -1.7 31.0 1.2 20.2 14.9 -2.9
-6.3 -3.2 6.4 39.9 68.8 5.0 -17.4
1.4 -2.1 20.1 34.3 26.2 14.9 -21.9
Percent of families with other residential real estate By education of head
25
Percent
20 15 10 5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
High school diploma College degree
Percent of families with other residential real estate Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 8.7 12.6 11.0 1992 4.9 9.0 13.9 1995 7.4 10.9 9.9 1998 5.9 10.0 13.6 2001 5.4 7.6 10.9 2004 5.6 8.3 12.2 2007 5.8 10.0 13.2 2010 5.0 10.0 11.7 Three-year change (percentage points) 1992 -3.8 1995 2.5 1998 -1.5 2001 -0.5 2004 0.2 2007 0.2 2010 -0.8
-3.6 1.9 -0.9 -2.4 0.7 1.7 0.0
2010
2.9 -4.0 3.7 -2.7 1.3 1.0 -1.5
College degree
18.8 20.4 16.5 18.5 17.9 19.0 20.6 22.4 1.6 -3.9 2.0 -0.6 1.1 1.6 1.8
Median value of other residential real estate for families with holdings
Thousands of 2010 dollars
By education of head
200
150
100
50 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of other residential real estate for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 57.3 1992 60.6 1995 49.6 1998 62.4 2001 61.3 2004 99.0 2007 68.1 2010 75.0 Three-year change (percent) 1992 5.8 1995 -18.2 1998 25.8 2001 -1.8 2004 61.5 2007 -31.2 2010 10.1
Education of head High school Some college diploma
College degree
59.0 60.6 60.2 72.0 60.0 80.5 79.6 62.5
84.3 75.8 70.8 86.7 125.4 92.1 104.8 66.0
109.6 75.8 106.2 114.7 122.5 166.8 209.5 190.0
2.7 -0.7 19.6 -16.7 34.2 -1.1 -21.5
-10.1 -6.6 22.5 44.6 -26.6 13.8 -37.0
-30.8 40.1 8.0 6.8 36.2 25.6 -9.3
Mean value of other residential real estate for families with holdings By education of head
Thousands of 2010 dollars
500 400 300 200 100 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of other residential real estate for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 94.9 1992 87.7 1995 88.4 1998 122.6 2001 97.4 2004 257.8 2007 258.1 2010 186.0 Three-year change (percent) 1992 -7.6 1995 0.8 1998 38.7 2001 -20.6 2004 164.7 2007 0.1 2010 -27.9
Education of head High school Some college diploma
College degree
110.3 107.7 107.6 111.9 180.1 155.3 203.1 130.5
185.9 126.4 137.3 148.7 206.5 241.7 288.5 188.1
202.1 188.3 200.9 222.2 273.2 390.1 451.1 383.3
-2.4 -0.1 4.0 60.9 -13.8 30.8 -35.7
-32.0 8.6 8.3 38.9 17.0 19.4 -34.8
-6.8 6.7 10.6 23.0 42.8 15.6 -15.0
Percent of families with other residential real estate By race or ethnicity of respondent
16
Percent
14 12 10 8 6 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with other residential real estate Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 14.8 14.5 13.2 14.0 13.0 14.0 15.3 16.5
Three-year change (percentage points) 1992 -0.3 1995 -1.3 1998 0.8 2001 -1.0 2004 1.0 2007 1.3 2010 1.2
8.1 6.9 7.1 9.1 6.3 8.9 10.0 9.9 -1.2 0.2 2.0 -2.8 2.6 1.1 -0.1
Median value of other residential real estate for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of other residential real estate for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 84.3 53.1 1992 75.8 60.6 1995 77.9 41.2 1998 93.4 73.4 2001 98.0 73.5 2004 120.8 92.1 2007 143.0 183.3 2010 140.0 70.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-10.1 2.8 19.9 4.9 23.3 18.4 -2.1
14.1 -32.0 78.2 0.1 25.3 99.0 -61.8
Mean value of other residential real estate for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of other residential real estate for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 159.5 125.4 1992 149.6 160.2 1995 156.9 107.6 1998 182.2 124.3 2001 240.7 150.0 2004 323.2 243.8 2007 367.5 295.9 2010 316.8 192.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-6.2 4.9 16.1 32.1 34.3 13.7 -13.8
27.8 -32.8 15.5 20.7 62.5 21.4 -34.8
Percent of families with other residential real estate By current work status of head
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Self−employed Other not working
Percent of families with other residential real estate Current work status of head Employee Self-employed Retired
11.6 11.2 10.3 10.6 10.0 10.4 11.9 11.9
Three-year change (percentage points) 1992 -0.4 1995 -0.9 1998 0.3 2001 -0.6 2004 0.4 2007 1.5 2010 0.0
2010
Other not working
22.2 22.5 21.3 25.3 19.5 25.8 26.5 28.3
14.8 13.9 13.1 14.4 12.0 12.8 14.6 15.0
5.0 5.2 5.0 4.0 4.9 5.4 3.8 8.7
0.3 -1.2 4.0 -5.8 6.3 0.7 1.8
-0.9 -0.8 1.3 -2.4 0.8 1.8 0.4
0.2 -0.2 -1.0 0.9 0.5 -1.6 4.9
Median value of other residential real estate for families with holdings
Thousands of 2010 dollars
By current work status of head
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of other residential real estate for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 84.3 1992 68.2 1995 66.6 1998 66.7 2001 85.8 2004 101.3 2007 125.7 2010 96.0
134.9 113.7 113.3 113.4 183.8 162.8 314.3 250.0
65.8 68.2 63.7 120.0 104.2 115.1 104.8 100.0
50.6 45.5 60.2 60.0 134.8 99.0 136.7 60.0
Three-year change (percent) 1992 -19.1 1995 -2.3 1998 0.2 2001 28.6 2004 18.1 2007 24.1 2010 -23.6
-15.7 -0.4 0.1 62.1 -11.4 93.1 -20.5
3.6 -6.6 88.4 -13.2 10.5 -8.9 -4.6
-10.1 32.3 -0.3 124.7 -26.6 38.1 -56.1
Mean value of other residential real estate for families with holdings By current work status of head
Thousands of 2010 dollars
600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of other residential real estate for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 136.5 1992 129.4 1995 126.0 1998 134.2 2001 155.6 2004 237.5 2007 288.2 2010 225.0
243.0 247.8 258.6 230.2 352.9 479.9 570.1 495.1
131.7 129.7 124.0 199.5 279.1 280.4 316.1 250.7
102.0 86.9 132.7 90.2 318.1 270.8 278.1 143.5
Three-year change (percent) 1992 -5.2 1995 -2.6 1998 6.5 2001 15.9 2004 52.6 2007 21.3 2010 -21.9
2.0 4.4 -11.0 53.3 36.0 18.8 -13.2
-1.5 -4.4 60.9 39.9 0.5 12.7 -20.7
-14.8 52.7 -32.0 252.7 -14.9 2.7 -48.4
Percent of families with other residential real estate By current occupation of head
25
Percent
20 15 10 5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
Technical, sales, or services Retired or other not working
Percent of families with other residential real estate Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 20.5 10.3 9.7 1992 19.6 9.8 9.9 1995 18.7 8.7 9.8 1998 17.5 10.7 10.4 2001 18.7 6.7 7.9 2004 19.6 8.2 9.0 2007 20.7 10.2 9.6 2010 22.9 9.7 8.4 Three-year change (percentage points) 1992 -0.9 1995 -0.9 1998 -1.2 2001 1.2 2004 0.9 2007 1.1 2010 2.2
-0.5 -1.1 2.0 -4.0 1.5 2.0 -0.5
2010
0.2 -0.1 0.6 -2.5 1.1 0.6 -1.2
Retired or other not working 12.8 11.8 11.4 12.6 10.8 11.6 12.9 13.7 -1.0 -0.4 1.2 -1.8 0.8 1.3 0.8
Median value of other residential real estate for families with holdings
Thousands of 2010 dollars
By current occupation of head
200
150
100
50 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of other residential real estate for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 112.2 72.5 67.5 1992 106.1 75.8 53.1 1995 106.2 70.8 56.7 1998 106.7 80.0 53.4 2001 122.5 91.9 49.0 2004 138.1 120.8 96.7 2007 209.5 131.0 94.3 2010 200.0 70.0 57.0 Year
Three-year change (percent) 1992 -5.4 1995 0.1 1998 0.5 2001 14.8 2004 12.7 2007 51.7 2010 -4.5
4.6 -6.6 13.0 14.9 31.4 8.4 -46.6
-21.3 6.8 -5.8 -8.2 97.3 -2.5 -39.6
Retired or other not working 59.0 60.6 63.7 120.0 104.2 108.2 104.8 98.0 2.7 5.1 88.4 -13.2 3.8 -3.1 -6.5
Mean value of other residential real estate for families with holdings By current occupation of head
Thousands of 2010 dollars
500 400 300 200 100 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of other residential real estate for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 209.6 131.9 115.1 1992 200.0 149.6 98.4 1995 200.0 158.7 104.6 1998 210.9 168.0 86.4 2001 245.7 188.7 120.9 2004 393.6 270.5 143.3 2007 459.9 279.2 200.7 2010 404.6 187.7 104.2 Year
Three-year change (percent) 1992 -4.6 1995 0.0 1998 5.4 2001 16.5 2004 60.2 2007 16.8 2010 -12.0
13.4 6.1 5.9 12.3 43.3 3.2 -32.8
-14.5 6.3 -17.4 39.9 18.5 40.1 -48.1
Retired or other not working 129.3 125.3 124.8 193.5 282.0 279.7 314.3 236.0 -3.1 -0.4 55.0 45.7 -0.8 12.4 -24.9
Percent of families with other residential real estate By region
18
Percent
16 14 12 10 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
2007 South
Percent of families with other residential real estate Region Northeast Midwest South 11.7 10.8 12.9 12.5 12.3 12.6 13.3 15.3
Three-year change (percentage points) 1992 -0.9 1995 2.1 1998 -0.4 2001 -0.2 2004 0.3 2007 0.7 2010 2.0
2010
West
14.6 13.0 11.3 12.2 10.0 12.6 13.7 11.0
12.6 11.1 11.6 12.8 12.1 10.2 11.3 14.1
13.8 16.6 11.5 13.8 10.7 16.3 18.3 17.4
-1.6 -1.7 0.9 -2.2 2.6 1.1 -2.7
-1.5 0.5 1.2 -0.7 -1.9 1.1 2.8
2.8 -5.1 2.3 -3.1 5.6 2.0 -0.9
Median value of other residential real estate for families with holdings By region
Thousands of 2010 dollars
250 200 150 100 50 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of other residential real estate for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 105.4 1992 75.8 1995 82.1 1998 66.7 2001 91.9 2004 120.8 2007 199.1 2010 154.0 Three-year change (percent) 1992 -28.1 1995 8.3 1998 -18.8 2001 37.8 2004 31.4 2007 64.8 2010 -22.7
Midwest
South
West
70.8 60.6 63.7 73.4 104.2 115.1 115.2 86.5
67.5 68.2 70.8 86.7 73.5 103.6 125.7 100.0
109.6 106.1 85.0 148.1 139.7 126.6 225.3 170.0
-14.4 5.1 15.2 42.0 10.5 0.1 -24.9
1.0 3.8 22.5 -15.2 41.0 21.3 -20.4
-3.2 -19.9 74.2 -5.7 -9.4 78.0 -24.5
Mean value of other residential real estate for families with holdings By region
Thousands of 2010 dollars
500 400 300 200 100 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of other residential real estate for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 180.0 1992 184.2 1995 167.4 1998 175.1 2001 237.8 2004 363.2 2007 428.7 2010 358.2 Three-year change (percent) 1992 2.3 1995 -9.1 1998 4.6 2001 35.8 2004 52.7 2007 18.0 2010 -16.4
Midwest
South
West
133.1 119.8 112.5 143.2 239.8 258.6 250.6 246.0
109.6 121.4 133.4 144.6 195.8 266.0 328.5 221.5
227.4 191.7 202.7 243.5 268.4 353.1 409.1 358.2
-10.0 -6.1 27.3 67.5 7.8 -3.1 -1.8
10.8 9.9 8.4 35.4 35.9 23.5 -32.6
-15.7 5.7 20.1 10.2 31.6 15.9 -12.4
Percent of families with other residential real estate By urbanicity
16
Percent
14
12
10
8 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with other residential real estate Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 12.6 13.3 12.2 13.1 11.4 13.3 14.2 14.9
Three-year change (percentage points) 1992 0.7 1995 -1.1 1998 0.9 2001 -1.7 2004 1.9 2007 0.9 2010 0.7
2010
15.5 9.9 9.6 11.2 11.0 8.7 11.7 11.9 -5.6 -0.3 1.6 -0.2 -2.3 3.0 0.2
Median value of other residential real estate for families with holdings By urbanicity
Thousands of 2010 dollars
160 140 120 100 80 60 40 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of other residential real estate for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 87.7 1992 77.3 1995 77.9 1998 96.0 2001 104.2 2004 126.6 2007 157.2 2010 135.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-11.9 0.8 23.2 8.5 21.5 24.2 -14.1
2010
Non-MSA
54.0 53.1 49.6 43.4 61.3 77.7 99.5 75.0 -1.7 -6.6 -12.5 41.2 26.8 28.1 -24.6
Mean value of other residential real estate for families with holdings By urbanicity
Thousands of 2010 dollars
400 350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of other residential real estate for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 176.2 1992 162.1 1995 159.9 1998 184.7 2001 247.9 2004 331.8 2007 381.5 2010 312.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-8.0 -1.4 15.5 34.2 33.8 15.0 -18.1
2010
Non-MSA
78.5 86.6 79.7 91.5 101.5 129.2 180.3 148.1 10.3 -8.0 14.8 10.9 27.3 39.6 -17.9
Percent of families with other residential real estate By housing status
20
Percent
15
10
5 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with other residential real estate Housing status Owner Renter or other 17.4 16.6 15.1 16.8 14.9 15.7 17.5 19.1
Three-year change (percentage points) 1992 -0.8 1995 -1.5 1998 1.7 2001 -1.9 2004 0.8 2007 1.8 2010 1.6
5.7 5.7 5.7 5.1 3.9 5.4 5.6 4.6 0.0 0.0 -0.6 -1.2 1.5 0.2 -1.0
2010
Median value of other residential real estate for families with holdings By housing status
Thousands of 2010 dollars
160 140 120 100 80 60 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of other residential real estate for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 84.3 1992 73.1 1995 73.6 1998 86.7 2001 98.0 2004 115.1 2007 157.2 2010 120.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-13.3 0.7 17.8 13.0 17.4 36.6 -23.7
Renter or other 65.8 75.8 53.1 86.2 73.5 92.1 89.1 120.0 15.2 -29.9 62.3 -14.7 25.3 -3.3 34.7
2010
Mean value of other residential real estate for families with holdings By housing status
Thousands of 2010 dollars
350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of other residential real estate for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 161.0 1992 152.0 1995 154.2 1998 178.9 2001 234.9 2004 326.5 2007 367.5 2010 297.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-5.6 1.4 16.0 31.3 39.0 12.6 -19.1
Renter or other 117.4 146.1 131.1 133.2 174.2 184.4 247.6 218.1 24.4 -10.3 1.6 30.8 5.9 34.3 -11.9
2010
Percent of families with other residential real estate By percentile of net worth
50
Percent
40 30 20 10 0 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with other residential real estate Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 1.2 5.3 12.5 26.0 1992 1.0 5.5 11.7 23.4 1995 0.9 5.4 11.1 21.2 1998 1.3 5.9 11.8 26.2 2001 0.9 4.5 12.8 19.5 2004 0.4 5.0 12.6 23.1 2007 1.2 7.1 11.9 26.4 2010 2.8 4.6 13.0 27.1 Three-year change (percentage points) 1992 -0.2 0.2 1995 -0.1 -0.1 1998 0.4 0.5 2001 -0.4 -1.4 2004 -0.5 0.5 2007 0.8 2.1 2010 1.6 -2.5
-0.8 -0.6 0.7 1.0 -0.2 -0.7 1.1
2010
-2.6 -2.2 5.0 -6.7 3.6 3.3 0.7
90-100 44.7 45.8 42.6 41.7 38.8 45.6 47.5 51.7 1.1 -3.2 -0.9 -2.9 6.8 1.9 4.2
Median value of other residential real estate for families with holdings
Thousands of 2010 dollars
By percentile of net worth
400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of other residential real estate for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 50.6 21.1 1992 24.3 19.7 1995 24.1 39.7 1998 53.4 50.0 2001 18.4 29.4 2004 4.0 29.9 2007 12.6 31.4 2010 60.0 25.0 Three-year change (percent) 1992 -52.0 1995 -0.8 1998 121.6 2001 -65.5 2004 -78.3 2007 215.0 2010 376.2
-6.6 101.5 25.9 -41.2 1.7 5.0 -20.4
Percentile of net worth 50-74.9
75-89.9
90-100
42.2 53.1 43.2 46.7 53.9 69.0 62.9 48.0
91.6 75.8 70.8 106.7 104.2 118.3 153.0 120.0
219.3 160.7 177.0 202.1 260.4 374.0 419.1 350.0
25.8 -18.6 8.1 15.4 28.0 -8.8 -23.7
-17.2 -6.6 50.7 -2.3 13.5 29.3 -21.6
-26.7 10.1 14.2 28.8 43.6 12.1 -16.5
Mean value of other residential real estate for families with holdings By percentile of net worth
Thousands of 2010 dollars
800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of other residential real estate for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 50.3 28.6 1992 37.1 40.2 1995 36.7 43.8 1998 55.2 54.0 2001 35.7 35.7 2004 15.3 45.7 2007 17.4 58.4 2010 80.6 44.1 Three-year change (percent) 1992 -26.2 1995 -1.1 1998 50.4 2001 -35.3 2004 -57.1 2007 13.7 2010 363.2
40.6 9.0 23.3 -33.9 28.0 27.8 -24.5
Percentile of net worth 50-74.9
75-89.9
90-100
56.0 61.4 55.2 61.6 85.5 87.3 136.2 77.7
109.3 96.3 90.9 130.1 143.6 168.5 184.7 162.3
306.4 290.2 296.3 342.1 476.3 643.6 757.1 604.9
9.6 -10.1 11.6 38.8 2.1 56.0 -43.0
-11.9 -5.6 43.1 10.4 17.3 9.6 -12.1
-5.3 2.1 15.5 39.2 35.1 17.6 -20.1
Percent of families with net equity in non−residential real estate For all families
11
Percent
10
9
8
7 1989
1992
1995
1998 2001 Year
2004
2007
Percent of families with net equity in non-residential real estate Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 11.1 9.5 9.2 8.5 8.2 8.3 8.1 7.7 -1.6 -0.3 -0.7 -0.3 0.1 -0.2 -0.4
2010
Median value of net equity in non−residential real estate for families with holdings For all families
Thousands of 2010 dollars
80
70
60
50
40
30 1989
1992
1995
1998 2001 Year
2004
2007
2010
Median value of net equity in non-residential real estate for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 33.7 45.5 45.3 50.7 60.7 69.0 78.6 65.0 35.0 -0.4 11.9 19.7 13.7 13.9 -17.3
Mean value of net equity in non−residential real estate for families with holdings For all families
Thousands of 2010 dollars
350
300
250
200 1989
1992
1995
1998 2001 Year
2004
2007
2010
Mean value of net equity in non-residential real estate for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 247.2 261.2 190.5 236.2 318.9 343.0 324.2 321.6 5.7 -27.1 24.0 35.0 7.6 -5.5 -0.8
Percent of families with net equity in non−residential real estate By percentile of income
30
Percent
25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Percent of families with net equity in non-residential real estate Year
Less than 20 Level (percent) 1989 2.3 1992 3.1 1995 3.7 1998 2.1 2001 2.8 2004 2.7 2007 2.5 2010 3.9
20-39.9
7.9 6.6 5.6 6.1 6.7 3.8 3.9 5.2
Three-year change (percentage points) 1992 0.8 -1.3 1995 0.6 -1.0 1998 -1.6 0.5 2001 0.7 0.6 2004 -0.1 -2.9 2007 -0.2 0.1 2010 1.4 1.3
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
9.8 7.5 7.3 7.7 6.7 7.6 7.5 6.3
13.2 10.8 11.0 9.4 7.0 10.5 9.4 7.9
17.1 13.3 15.5 14.0 12.1 12.9 13.6 11.4
27.7 25.6 22.0 21.0 23.9 20.8 21.0 18.8
-2.3 -0.2 0.4 -1.0 0.9 -0.1 -1.2
-2.4 0.2 -1.6 -2.4 3.5 -1.1 -1.5
-3.8 2.2 -1.5 -1.9 0.8 0.7 -2.2
-2.1 -3.6 -1.0 2.9 -3.1 0.2 -2.2
Median value of net equity in non−residential real estate for families with holdings By percentile of income
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of net equity in non-residential real estate for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 16.9 20.2 1992 30.3 13.6 1995 16.7 21.5 1998 13.3 32.0 2001 39.8 36.8 2004 12.7 34.5 2007 68.1 62.9 2010 36.0 60.0 Three-year change (percent) 1992 79.3 -32.7 1995 -44.9 58.1 1998 -20.4 48.8 2001 199.2 15.0 2004 -68.1 -6.2 2007 436.2 82.3 2010 -47.1 -4.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
25.3 28.8 28.3 36.7 36.8 41.4 41.9 60.0
16.9 45.5 49.6 40.0 61.3 49.5 74.4 50.0
42.2 37.9 24.1 40.0 56.4 69.0 75.4 58.0
160.2 121.3 114.7 152.1 179.2 217.5 183.3 200.0
13.8 -1.7 29.7 0.3 12.5 1.2 43.2
169.2 9.0 -19.4 53.2 -19.2 50.3 -32.8
-10.2 -36.4 66.0 41.0 22.3 9.3 -23.1
-24.3 -5.4 32.6 17.8 21.4 -15.7 9.1
Mean value of net equity in non−residential real estate for families with holdings By percentile of income
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of net equity in non-residential real estate for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 67.5 48.5 1992 101.7 71.2 1995 104.4 70.4 1998 137.4 126.9 2001 77.3 102.9 2004 129.0 150.4 2007 175.6 208.0 2010 398.5 135.1 Three-year change (percent) 1992 50.7 46.8 1995 2.7 -1.1 1998 31.6 80.3 2001 -43.7 -18.9 2004 66.9 46.2 2007 36.1 38.3 2010 126.9 -35.0
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
59.1 180.4 76.0 93.4 107.3 177.8 106.8 170.0
106.6 122.5 115.6 114.4 204.9 164.4 161.1 128.6
175.8 202.1 114.8 120.1 188.5 182.4 209.9 244.1
701.8 591.6 484.5 609.5 747.7 868.3 775.9 703.3
205.2 -57.9 22.9 14.9 65.7 -39.9 59.2
14.9 -5.6 -1.0 79.1 -19.8 -2.0 -20.2
15.0 -43.2 4.6 57.0 -3.2 15.1 16.3
-15.7 -18.1 25.8 22.7 16.1 -10.6 -9.4
Percent of families with net equity in non−residential real estate By age of head
20
Percent
15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Percent of families with net equity in non-residential real estate Year
Less than 35 Level (percent) 1989 4.3 1992 4.2 1995 3.6 1998 2.7 2001 2.8 2004 3.3 2007 3.2 2010 2.3
35-44
12.3 7.2 7.0 7.5 7.4 6.4 7.5 3.9
Three-year change (percentage points) 1992 -0.1 -5.1 1995 -0.6 -0.2 1998 -0.9 0.5 2001 0.1 -0.1 2004 0.5 -1.0 2007 -0.1 1.1 2010 -0.9 -3.6
Age of head 45-54 55-64
65-74
75 or older
15.4 13.6 14.3 12.1 10.0 11.4 9.5 7.5
17.4 18.7 13.4 10.4 12.3 12.8 11.5 12.6
15.4 11.5 15.7 15.1 12.9 10.6 12.3 11.0
6.8 6.9 6.1 8.1 8.3 7.7 6.8 13.4
-1.8 0.7 -2.2 -2.1 1.4 -1.9 -2.0
1.3 -5.3 -3.0 1.9 0.5 -1.3 1.1
-3.9 4.2 -0.6 -2.2 -2.3 1.7 -1.3
0.1 -0.8 2.0 0.2 -0.6 -0.9 6.6
Median value of net equity in non−residential real estate for families with holdings By age of head
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of net equity in non-residential real estate for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 25.3 27.0 1992 38.5 45.5 1995 17.0 28.3 1998 33.3 26.7 2001 40.8 48.4 2004 63.3 48.6 2007 52.4 52.4 2010 24.0 50.0 Three-year change (percent) 1992 52.2 68.5 1995 -55.8 -37.8 1998 95.9 -5.7 2001 22.5 81.3 2004 55.1 0.4 2007 -17.2 7.8 2010 -54.2 -4.6
Age of head 45-54 55-64
65-74
75 or older
59.0 37.9 28.3 62.7 69.4 49.5 83.8 50.0
54.0 53.1 90.4 72.0 96.2 86.3 94.3 102.0
25.3 62.9 60.9 60.0 61.3 89.8 78.6 60.0
67.5 28.0 8.5 72.0 34.3 98.8 115.2 65.0
-35.8 -25.3 121.6 10.7 -28.7 69.3 -40.3
-1.7 70.2 -20.4 33.6 -10.3 9.3 8.2
148.6 -3.2 -1.5 2.2 46.5 -12.5 -23.7
-58.5 -69.6 747.1 -52.4 188.0 16.6 -43.6
Mean value of net equity in non−residential real estate for families with holdings
Thousands of 2010 dollars
By age of head
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of net equity in non-residential real estate for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 89.0 101.4 1992 87.1 136.5 1995 50.9 93.6 1998 108.5 108.3 2001 76.8 168.3 2004 153.8 318.3 2007 144.9 135.2 2010 117.5 132.2 Three-year change (percent) 1992 -2.1 34.6 1995 -41.6 -31.4 1998 113.2 15.7 2001 -29.2 55.4 2004 100.3 89.1 2007 -5.8 -57.5 2010 -18.9 -2.2
Age of head 45-54 55-64
65-74
75 or older
338.5 321.8 145.0 226.3 229.8 247.6 282.1 240.7
363.2 247.6 313.0 424.4 438.2 402.9 443.4 414.8
226.8 428.4 275.8 283.6 630.1 588.5 409.5 417.8
446.4 337.3 245.7 232.2 275.5 350.4 525.4 347.6
-4.9 -54.9 56.1 1.5 7.7 13.9 -14.7
-31.8 26.4 35.6 3.3 -8.1 10.1 -6.5
88.9 -35.6 2.8 122.2 -6.6 -30.4 2.0
-24.4 -27.2 -5.5 18.6 27.2 49.9 -33.8
Percent of families with net equity in non−residential real estate By family structure
20
Percent
15 10 5 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with net equity in non-residential real estate Year
Single with child(ren)
Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
5.1 2.7 4.4 4.0 3.5 4.0 4.3 4.0
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
6.0 6.4 5.1 4.9 2.9 4.3 3.2 2.4
7.4 8.4 7.3 5.2 8.3 6.9 7.1 8.2
12.7 9.9 9.7 8.2 9.2 8.9 9.8 7.1
17.8 14.8 14.4 15.1 11.7 12.7 10.9 12.8
1.0 -1.1 -2.1 3.1 -1.4 0.2 1.1
-2.8 -0.2 -1.5 1.0 -0.3 0.9 -2.7
-3.0 -0.4 0.7 -3.4 1.0 -1.8 1.9
Three-year change (percentage points) 1992 -2.4 0.4 1995 1.7 -1.3 1998 -0.4 -0.2 2001 -0.5 -2.0 2004 0.5 1.4 2007 0.3 -1.1 2010 -0.3 -0.8
Median value of net equity in non−residential real estate for families with holdings
Thousands of 2010 dollars
By family structure
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of net equity in non-residential real estate for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 27.0 23.6 1992 32.7 24.3 1995 21.5 22.7 1998 20.0 21.3 2001 58.2 122.5 2004 23.0 41.4 2007 45.1 52.4 2010 50.0 75.0 Three-year change (percent) 1992 21.1 1995 -34.3 1998 -7.0 2001 191.0 2004 -60.5 2007 96.1 2010 10.9
3.0 -6.6 -6.2 475.1 -66.2 26.6 43.1
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
30.4 57.6 77.9 60.0 49.0 94.4 78.6 50.0
40.5 51.5 41.4 50.7 56.1 69.0 68.1 60.0
45.5 37.9 49.6 56.0 63.1 80.5 104.8 75.0
89.5 35.2 -23.0 -18.3 92.7 -16.7 -36.4
27.2 -19.6 22.5 10.7 23.0 -1.3 -11.9
-16.7 30.9 12.9 12.7 27.6 30.2 -28.4
Mean value of net equity in non−residential real estate for families with holdings
Thousands of 2010 dollars
By family structure
500 400 300 200 100 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of net equity in non-residential real estate for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 299.6 79.8 1992 118.8 118.8 1995 117.7 100.8 1998 157.2 82.6 2001 182.2 186.8 2004 347.7 198.1 2007 151.2 139.4 2010 212.4 210.6 Three-year change (percent) 1992 -60.3 1995 -0.9 1998 33.6 2001 15.9 2004 90.8 2007 -56.5 2010 40.5
48.9 -15.2 -18.1 126.2 6.0 -29.6 51.1
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
211.4 294.9 272.9 368.3 247.8 384.9 316.2 290.9
234.4 237.9 155.9 215.3 302.8 329.8 267.2 299.1
305.3 322.7 225.9 267.3 388.0 369.3 446.4 374.4
39.5 -7.5 35.0 -32.7 55.3 -17.8 -8.0
1.5 -34.5 38.1 40.6 8.9 -19.0 11.9
5.7 -30.0 18.3 45.2 -4.8 20.9 -16.1
Percent of families with net equity in non−residential real estate By education of head
20
Percent
15 10 5 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with net equity in non-residential real estate Year
No high school diploma Level (percent) 1989 7.3 1992 5.0 1995 6.8 1998 4.8 2001 5.8 2004 4.0 2007 2.6 2010 3.3
Education of head High school Some college diploma
Three-year change (percentage points) 1992 -2.3 1995 1.8 1998 -2.0 2001 1.0 2004 -1.8 2007 -1.4 2010 0.7
College degree
8.4 9.3 8.0 8.5 7.1 6.1 7.3 6.9
12.1 8.4 8.8 8.4 6.9 8.1 6.5 6.4
17.1 13.2 12.2 10.6 11.2 11.9 11.9 10.4
0.9 -1.3 0.5 -1.4 -1.0 1.2 -0.4
-3.7 0.4 -0.4 -1.5 1.2 -1.6 -0.1
-3.9 -1.0 -1.6 0.6 0.7 0.0 -1.5
Median value of net equity in non−residential real estate for families with holdings By education of head
Thousands of 2010 dollars
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of net equity in non-residential real estate for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 16.9 1992 12.1 1995 11.3 1998 60.0 2001 36.8 2004 18.4 2007 131.0 2010 30.0 Three-year change (percent) 1992 -28.4 1995 -6.6 1998 431.0 2001 -38.7 2004 -50.0 2007 612.0 2010 -77.1
Education of head High school Some college diploma
College degree
23.6 45.5 21.2 33.3 40.8 28.8 52.4 58.0
42.2 32.1 49.6 66.7 61.3 105.9 55.3 35.0
75.9 60.6 70.8 66.7 85.6 92.1 94.3 100.0
92.8 -53.4 57.1 22.5 -29.4 81.9 10.7
-23.9 54.5 34.5 -8.1 72.8 -47.8 -36.7
-20.2 16.8 -5.8 28.3 7.6 2.4 6.0
Mean value of net equity in non−residential real estate for families with holdings By education of head
Thousands of 2010 dollars
500 400 300 200 100 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of net equity in non-residential real estate for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 185.5 1992 169.7 1995 130.7 1998 138.5 2001 171.1 2004 253.2 2007 395.9 2010 418.4 Three-year change (percent) 1992 -8.5 1995 -23.0 1998 6.0 2001 23.5 2004 48.0 2007 56.4 2010 5.7
Education of head High school Some college diploma
College degree
111.9 160.7 116.9 121.1 166.1 230.9 186.5 205.7
206.0 265.9 192.6 206.6 314.1 289.2 281.5 176.4
363.6 348.7 259.9 359.1 446.4 420.9 408.7 422.3
43.6 -27.3 3.6 37.2 39.0 -19.2 10.3
29.1 -27.6 7.3 52.0 -7.9 -2.7 -37.3
-4.1 -25.5 38.2 24.3 -5.7 -2.9 3.3
Percent of families with net equity in non−residential real estate By race or ethnicity of respondent
14
Percent
12 10 8 6 4 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with net equity in non-residential real estate Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 12.6 10.8 10.3 9.3 9.6 9.2 9.0 9.4
Three-year change (percentage points) 1992 -1.8 1995 -0.5 1998 -1.0 2001 0.3 2004 -0.4 2007 -0.2 2010 0.4
6.7 5.6 5.7 6.1 3.9 5.8 5.9 4.2 -1.1 0.1 0.4 -2.2 1.9 0.1 -1.7
Median value of net equity in non−residential real estate for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
80 70 60 50 40 30 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of net equity in non-residential real estate for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 37.1 31.6 1992 47.9 45.5 1995 47.4 28.3 1998 57.4 32.0 2001 61.3 36.8 2004 75.9 34.5 2007 78.6 65.7 2010 75.0 50.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
29.1 -1.0 21.1 6.8 23.8 3.6 -4.6
44.0 -37.8 13.1 15.0 -6.2 90.4 -23.9
Mean value of net equity in non−residential real estate for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
400 350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of net equity in non-residential real estate for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 261.5 167.5 1992 261.8 257.4 1995 203.4 110.3 1998 241.8 207.9 2001 329.5 237.6 2004 383.4 176.6 2007 329.9 302.9 2010 350.5 185.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
0.1 -22.3 18.9 36.3 16.4 -14.0 6.2
53.7 -57.1 88.5 14.3 -25.7 71.5 -38.7
Percent of families with net equity in non−residential real estate By current work status of head
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with net equity in non-residential real estate Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
9.4 8.4 8.0 6.6 6.7 6.8 7.0 5.5
Three-year change (percentage points) 1992 -1.0 1995 -0.4 1998 -1.4 2001 0.1 2004 0.1 2007 0.2 2010 -1.5
Other not working
26.5 20.2 21.9 17.6 17.9 18.7 17.3 17.5
10.5 9.3 8.3 10.1 8.2 7.9 7.7 9.6
2.1 3.0 3.6 3.6 3.8 2.7 4.7 2.8
-6.3 1.7 -4.3 0.3 0.8 -1.4 0.2
-1.2 -1.0 1.8 -1.9 -0.3 -0.2 1.9
0.9 0.6 0.0 0.2 -1.1 2.0 -1.9
Median value of net equity in non−residential real estate for families with holdings
Thousands of 2010 dollars
By current work status of head
150
100
50
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of net equity in non-residential real estate for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 29.5 1992 32.1 1995 24.1 1998 32.0 2001 48.4 2004 46.0 2007 55.3 2010 50.0
94.5 91.0 74.5 112.0 125.5 143.8 159.8 132.0
28.7 30.3 49.6 66.7 71.1 69.0 78.6 62.5
23.6 75.8 70.8 140.1 40.4 64.4 51.1 46.6
Three-year change (percent) 1992 8.8 1995 -24.9 1998 32.8 2001 51.2 2004 -5.0 2007 20.2 2010 -9.6
-3.7 -18.1 50.3 12.1 14.6 11.1 -17.4
5.6 63.7 34.5 6.6 -3.0 13.9 -20.5
221.2 -6.6 97.9 -71.2 59.4 -20.7 -8.8
Mean value of net equity in non−residential real estate for families with holdings By current work status of head
Thousands of 2010 dollars
800 600 400 200 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of net equity in non-residential real estate for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 116.9 1992 160.8 1995 95.7 1998 121.8 2001 138.9 2004 197.2 2007 227.2 2010 149.9
530.7 470.4 386.0 503.5 540.2 666.0 537.4 658.9
207.8 245.1 202.6 211.2 471.3 290.9 355.3 266.8
27.2 425.9 93.1 128.2 229.4 164.7 135.7 292.2
Three-year change (percent) 1992 37.6 1995 -40.5 1998 27.3 2001 14.0 2004 42.0 2007 15.2 2010 -34.0
-11.4 -17.9 30.4 7.3 23.3 -19.3 22.6
17.9 -17.3 4.2 123.2 -38.3 22.1 -24.9
1465.8 -78.1 37.7 78.9 -28.2 -17.6 115.3
Percent of families with net equity in non−residential real estate By current occupation of head
18 16 Percent
14 12 10 8 6 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with net equity in non-residential real estate Year
Managerial or professional Level (percent) 1989 17.3 1992 13.9 1995 15.3 1998 10.6 2001 12.0 2004 11.3 2007 10.8 2010 10.7
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 -3.4 1995 1.4 1998 -4.7 2001 1.4 2004 -0.7 2007 -0.5 2010 -0.1
Retired or other not working
8.7 8.6 7.2 6.0 6.2 6.9 7.3 5.1
11.0 8.7 8.7 8.1 6.7 7.4 6.7 5.6
8.7 7.8 7.4 9.1 7.5 7.1 7.2 8.1
-0.1 -1.4 -1.2 0.2 0.7 0.4 -2.2
-2.3 0.0 -0.6 -1.4 0.7 -0.7 -1.1
-0.9 -0.4 1.7 -1.6 -0.4 0.1 0.9
Median value of net equity in non−residential real estate for families with holdings By current occupation of head
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of net equity in non-residential real estate for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 50.6 28.7 33.7 1992 60.6 30.3 30.3 1995 62.0 28.3 21.2 1998 66.7 50.0 33.3 2001 67.1 61.3 36.8 2004 103.3 69.0 25.3 2007 110.0 89.1 38.8 2010 100.0 50.0 50.0 Year
Three-year change (percent) 1992 19.8 1995 2.3 1998 7.6 2001 0.6 2004 53.9 2007 6.5 2010 -9.1
5.6 -6.6 76.7 22.6 12.6 29.1 -43.9
-10.1 -30.0 57.1 10.5 -31.2 53.4 28.9
Retired or other not working 25.3 45.5 56.7 66.7 71.1 69.0 78.6 62.0 79.8 24.6 17.6 6.6 -3.0 13.9 -21.1
Mean value of net equity in non−residential real estate for families with holdings By current occupation of head
Thousands of 2010 dollars
500 400 300 200 100 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of net equity in non-residential real estate for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 383.7 273.5 87.2 1992 370.2 225.9 109.3 1995 265.3 193.3 81.4 1998 405.8 237.7 66.4 2001 380.4 213.6 101.1 2004 508.3 301.2 126.5 2007 473.2 226.3 110.5 2010 466.2 186.4 188.9 Year
Three-year change (percent) 1992 -3.5 1995 -28.3 1998 53.0 2001 -6.3 2004 33.6 2007 -6.9 2010 -1.5
-17.4 -14.4 23.0 -10.1 41.0 -24.9 -17.6
25.3 -25.5 -18.4 52.3 25.1 -12.6 71.0
Retired or other not working 198.9 261.7 191.6 204.0 451.1 283.5 333.1 268.7 31.6 -26.8 6.5 121.1 -37.2 17.5 -19.3
Percent of families with net equity in non−residential real estate By region
14
Percent
12 10 8 6 4 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with net equity in non-residential real estate Region Year Northeast Level (percent) 1989 8.2 1992 8.1 1995 6.7 1998 6.0 2001 4.8 2004 6.0 2007 5.6 2010 5.9
Midwest
South
West
11.0 8.2 8.5 8.3 8.6 8.2 8.4 7.6
13.3 10.5 11.4 9.9 10.0 8.8 8.8 9.4
10.6 10.6 8.9 8.9 7.9 9.6 8.7 6.4
-2.8 0.3 -0.2 0.3 -0.4 0.2 -0.8
-2.8 0.9 -1.5 0.1 -1.2 0.0 0.6
0.0 -1.7 0.0 -1.0 1.7 -0.9 -2.3
Three-year change (percentage points) 1992 -0.1 1995 -1.4 1998 -0.7 2001 -1.2 2004 1.2 2007 -0.4 2010 0.3
Median value of net equity in non−residential real estate for families with holdings
Thousands of 2010 dollars
By region
150
100
50
0 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of net equity in non-residential real estate for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 84.3 1992 60.6 1995 45.3 1998 62.7 2001 61.3 2004 69.0 2007 117.3 2010 65.0 Three-year change (percent) 1992 -28.1 1995 -25.2 1998 38.4 2001 -2.2 2004 12.6 2007 70.0 2010 -44.6
Midwest
South
West
22.5 60.6 56.7 66.7 42.9 67.6 55.3 70.0
31.6 24.3 21.2 40.0 61.3 40.3 74.9 50.0
54.8 60.6 70.8 56.7 71.1 143.8 94.3 159.4
169.3 -6.4 17.6 -35.7 57.6 -18.2 26.6
-23.1 -12.8 88.7 53.2 -34.3 85.9 -33.2
10.6 16.8 -19.9 25.4 102.3 -34.4 69.0
Mean value of net equity in non−residential real estate for families with holdings By region
Thousands of 2010 dollars
600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of net equity in non-residential real estate for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 242.7 1992 221.1 1995 185.8 1998 156.2 2001 379.3 2004 367.9 2007 353.4 2010 260.3 Three-year change (percent) 1992 -8.9 1995 -16.0 1998 -15.9 2001 142.8 2004 -3.0 2007 -3.9 2010 -26.3
Midwest
South
West
172.6 214.8 165.1 228.8 194.7 348.0 144.4 289.5
155.1 121.1 147.2 185.6 304.1 206.0 304.9 255.7
539.1 563.7 313.2 386.5 460.9 532.2 520.3 567.1
24.4 -23.1 38.6 -14.9 78.7 -58.5 100.5
-21.9 21.6 26.1 63.8 -32.3 48.0 -16.1
4.6 -44.4 23.4 19.2 15.5 -2.2 9.0
Percent of families with net equity in non−residential real estate By urbanicity
16
Percent
14 12 10 8 6 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Percent of families with net equity in non-residential real estate Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
10.2 9.7 9.1 8.2 7.8 8.0 7.6 7.2
15.0 8.6 10.1 10.3 11.0 9.8 10.7 10.1
Three-year change (percentage points) 1992 -0.5 1995 -0.6 1998 -0.9 2001 -0.4 2004 0.2 2007 -0.4 2010 -0.4
2010
-6.4 1.5 0.2 0.7 -1.2 0.9 -0.6
Median value of net equity in non−residential real estate for families with holdings By urbanicity
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
2010
Non−MSA
Median value of net equity in non-residential real estate for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 37.1 1992 49.7 1995 56.7 1998 50.0 2001 61.3 2004 80.5 2007 86.4 2010 70.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
34.0 14.1 -11.8 22.6 31.3 7.3 -19.0
Non-MSA
28.1 24.3 16.7 66.7 40.4 28.8 52.4 60.0 -13.5 -31.3 299.4 -39.4 -28.7 81.9 14.5
Mean value of net equity in non−residential real estate for families with holdings By urbanicity
Thousands of 2010 dollars
400 350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
2010
Non−MSA
Mean value of net equity in non-residential real estate for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 295.9 1992 293.8 1995 208.8 1998 268.1 2001 356.5 2004 394.4 2007 385.9 2010 357.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-0.7 -28.9 28.4 33.0 10.6 -2.2 -7.4
Non-MSA
106.0 98.2 94.5 88.3 153.1 139.2 112.7 197.8 -7.4 -3.8 -6.6 73.4 -9.1 -19.0 75.5
Percent of families with net equity in non−residential real estate By housing status
14
Percent
12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with net equity in non-residential real estate Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
14.7 12.1 12.0 11.2 10.9 11.0 10.8 10.5
4.8 4.8 4.2 3.3 2.5 2.4 2.1 1.9
Three-year change (percentage points) 1992 -2.6 1995 -0.1 1998 -0.8 2001 -0.3 2004 0.1 2007 -0.2 2010 -0.3
0.0 -0.6 -0.9 -0.8 -0.1 -0.3 -0.2
2010
Median value of net equity in non−residential real estate for families with holdings By housing status
Thousands of 2010 dollars
80 70 60 50 40 30 20 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Median value of net equity in non-residential real estate for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 37.1 1992 48.5 1995 49.6 1998 60.0 2001 61.3 2004 71.3 2007 83.8 2010 70.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
30.7 2.3 21.0 2.2 16.3 17.5 -16.5
Renter or other 31.6 37.9 17.0 20.0 39.8 64.4 39.8 22.5 19.9 -55.1 17.6 99.0 61.8 -38.2 -43.5
Mean value of net equity in non−residential real estate for families with holdings By housing status
Thousands of 2010 dollars
350 300 250 200 150 100 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Mean value of net equity in non-residential real estate for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 275.6 1992 294.4 1995 212.3 1998 250.8 2001 343.7 2004 346.3 2007 333.9 2010 340.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
6.8 -27.9 18.1 37.0 0.8 -3.6 1.9
Renter or other 93.6 114.2 78.2 138.1 94.1 308.5 215.0 113.0 22.0 -31.5 76.6 -31.9 227.8 -30.3 -47.4
Percent of families with net equity in non−residential real estate By percentile of net worth
40
Percent
30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with net equity in non-residential real estate Year Less than 25 Level (percent) 1989 0.9 1992 0.8 1995 0.8 1998 0.6 2001 0.1 2004 0.2 2007 0.4 2010 0.8
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
5.2 3.5 4.7 3.5 3.6 4.1 3.7 2.1
13.5 9.5 8.5 7.8 7.8 8.3 7.6 7.8
16.7 16.9 15.7 16.9 15.6 15.1 16.5 14.9
37.1 35.2 33.9 30.2 29.9 28.8 27.2 27.9
-4.0 -1.0 -0.7 0.0 0.5 -0.7 0.2
0.2 -1.2 1.2 -1.3 -0.5 1.4 -1.6
-1.9 -1.3 -3.7 -0.3 -1.1 -1.6 0.7
Three-year change (percentage points) 1992 -0.1 -1.7 1995 0.0 1.2 1998 -0.2 -1.2 2001 -0.5 0.1 2004 0.1 0.5 2007 0.2 -0.4 2010 0.4 -1.6
Median value of net equity in non−residential real estate for families with holdings By percentile of net worth
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of net equity in non-residential real estate for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 5.1 16.9 1992 4.5 13.6 1995 4.2 9.9 1998 3.3 13.3 2001 2.7 11.0 2004 2.9 17.1 2007 16.1 26.2 2010 3.0 10.0 Three-year change (percent) 1992 -11.8 1995 -6.7 1998 -21.4 2001 -18.2 2004 7.4 2007 455.2 2010 -81.4
-19.5 -27.2 34.3 -17.3 55.5 53.2 -61.8
Percentile of net worth 50-74.9
75-89.9
90-100
18.6 28.8 17.0 30.7 36.8 28.1 41.9 30.0
42.2 45.5 56.1 60.0 61.9 84.9 86.4 65.0
196.8 187.8 141.6 160.1 259.4 287.7 279.4 250.0
54.8 -41.0 80.6 19.9 -23.6 49.1 -28.4
7.8 23.3 7.0 3.2 37.2 1.8 -24.8
-4.6 -24.6 13.1 62.0 10.9 -2.9 -10.5
Mean value of net equity in non−residential real estate for families with holdings By percentile of net worth
Thousands of 2010 dollars
800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of net equity in non-residential real estate for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 -48.4 18.6 1992 7.2 18.4 1995 -29.3 13.6 1998 1.0 17.5 2001 4.8 16.9 2004 4.2 19.6 2007 16.3 32.6 2010 -34.3 17.4 Three-year change (percent) 1992 -114.9 1995 -506.9 1998 -103.4 2001 380.0 2004 -12.5 2007 288.1 2010 -310.4
-1.1 -26.1 28.7 -3.4 16.0 66.3 -46.6
Percentile of net worth 50-74.9
75-89.9
90-100
21.7 38.5 30.9 39.5 46.6 46.8 57.3 46.6
84.7 69.7 70.4 89.3 124.4 161.6 136.7 128.2
659.8 623.4 448.6 562.5 744.2 819.4 790.0 752.3
77.4 -19.7 27.8 18.0 0.4 22.4 -18.7
-17.7 1.0 26.8 39.3 29.9 -15.4 -6.2
-5.5 -28.0 25.4 32.3 10.1 -3.6 -4.8
Percent of families with business equity For all families
14.5
Percent
14
13.5
13
12.5 1989
1992
1995
1998 2001 Year
2004
Percent of families with business equity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 13.3 14.3 12.8 12.7 13.5 13.3 13.6 13.3 1.0 -1.5 -0.1 0.8 -0.2 0.3 -0.3
2007
2010
Median value of business equity for families with holdings For all families
Thousands of 2010 dollars
100 90 80 70 60 50 40 1989
1992
1995
1998 2001 Year
2004
2007
Median value of business equity for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 84.3 60.6 42.5 66.7 85.8 86.3 96.6 78.7 -28.1 -29.9 56.9 28.6 0.6 11.9 -18.5
2010
Mean value of business equity for families with holdings For all families
Thousands of 2010 dollars
1000 900 800 700 600 500 400 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of business equity for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 499.1 414.2 473.9 586.7 691.8 757.5 991.4 788.3 -17.0 14.4 23.8 17.9 9.5 30.9 -20.5
2010
Percent of families with business equity By percentile of income
40
Percent
30
20
10
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
20−39.9 80−89.9
2007
2010
40−59.9 90−100
Percent of families with business equity Year
Less than 20 Level (percent) 1989 2.9 1992 4.6 1995 5.0 1998 4.1 2001 2.6 2004 4.2 2007 3.3 2010 5.1
20-39.9
9.1 8.3 7.3 6.1 8.6 7.8 5.3 6.6
Three-year change (percentage points) 1992 1.7 -0.8 1995 0.4 -1.0 1998 -0.9 -1.2 2001 -1.5 2.5 2004 1.6 -0.8 2007 -0.9 -2.5 2010 1.8 1.3
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
10.5 11.1 10.6 10.6 10.1 10.8 10.6 10.6
14.3 16.5 15.5 15.2 14.1 15.2 18.1 15.5
22.0 21.9 19.1 20.6 22.9 18.7 20.0 19.3
37.3 40.7 31.9 34.2 41.8 38.5 40.9 37.6
0.6 -0.5 0.0 -0.5 0.7 -0.2 0.0
2.2 -1.0 -0.3 -1.1 1.1 2.9 -2.6
-0.1 -2.8 1.5 2.3 -4.2 1.3 -0.7
3.4 -8.8 2.3 7.6 -3.3 2.4 -3.3
Median value of business equity for families with holdings By percentile of income
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of business equity for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 18.6 20.2 1992 40.5 26.5 1995 63.7 36.8 1998 30.0 46.6 2001 63.4 30.6 2004 28.8 23.0 2007 52.4 20.4 2010 25.0 25.3 Three-year change (percent) 1992 117.7 31.2 1995 57.3 38.9 1998 -52.9 26.6 2001 111.3 -34.3 2004 -54.6 -24.8 2007 81.9 -11.3 2010 -52.3 24.0
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
59.0 45.5 28.3 26.7 61.2 42.9 32.2 44.7
59.0 50.3 21.2 57.4 61.3 59.8 57.8 50.0
88.5 30.3 49.6 41.4 61.3 80.5 75.5 82.4
253.0 227.4 141.6 233.4 275.7 304.9 397.6 455.0
-22.9 -37.8 -5.7 129.2 -29.9 -24.9 38.8
-14.7 -57.9 170.8 6.8 -2.4 -3.3 -13.5
-65.8 63.7 -16.5 48.1 31.3 -6.2 9.1
-10.1 -37.7 64.8 18.1 10.6 30.4 14.4
Mean value of business equity for families with holdings By percentile of income
Thousands of 2010 dollars
2500 2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of business equity for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 153.3 139.8 1992 135.2 104.5 1995 238.8 116.8 1998 165.6 114.9 2001 217.3 121.3 2004 338.1 204.8 2007 719.5 138.8 2010 541.8 187.3 Three-year change (percent) 1992 -11.8 -25.3 1995 76.6 11.8 1998 -30.7 -1.6 2001 31.2 5.6 2004 55.6 68.8 2007 112.8 -32.2 2010 -24.7 34.9
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
279.5 190.6 122.7 177.7 159.2 159.4 251.5 186.6
212.7 179.5 170.6 225.9 240.9 269.3 197.3 207.8
263.5 229.1 240.0 259.3 333.2 260.5 475.7 308.7
1210.7 1014.8 1379.7 1625.5 1743.7 2037.1 2593.7 2127.9
-31.8 -35.6 44.8 -10.4 0.1 57.8 -25.8
-15.6 -5.0 32.4 6.6 11.8 -26.7 5.3
-13.1 4.8 8.0 28.5 -21.8 82.6 -35.1
-16.2 36.0 17.8 7.3 16.8 27.3 -18.0
Percent of families with business equity By age of head
20
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
2004
35−44 65−74
2007
2010
45−54 75 or older
Percent of families with business equity Year
Less than 35 Level (percent) 1989 10.2 1992 10.6 1995 9.6 1998 7.8 2001 8.1 2004 8.5 2007 8.0 2010 8.4
35-44
19.4 19.5 16.7 15.5 15.5 15.4 18.2 11.2
Three-year change (percentage points) 1992 0.4 0.1 1995 -1.0 -2.8 1998 -1.8 -1.2 2001 0.3 0.0 2004 0.4 -0.1 2007 -0.5 2.8 2010 0.4 -7.0
Age of head 45-54 55-64
65-74
75 or older
18.2 18.1 18.0 19.2 19.4 18.2 17.2 16.8
13.4 18.9 13.3 16.2 18.8 17.8 18.1 19.6
9.4 10.4 9.9 10.6 13.1 10.3 11.2 15.9
5.4 4.6 5.0 3.0 3.4 6.5 4.5 6.0
-0.1 -0.1 1.2 0.2 -1.2 -1.0 -0.4
5.5 -5.6 2.9 2.6 -1.0 0.3 1.5
1.0 -0.5 0.7 2.5 -2.8 0.9 4.7
-0.8 0.4 -2.0 0.4 3.1 -2.0 1.5
Median value of business equity for families with holdings By age of head
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of business equity for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 33.7 92.8 1992 29.2 45.5 1995 19.8 42.5 1998 40.0 74.7 2001 44.1 104.2 2004 27.6 99.5 2007 36.7 61.8 2010 30.0 50.0 Three-year change (percent) 1992 -13.4 -51.0 1995 -32.2 -6.6 1998 102.0 75.8 2001 10.2 39.5 2004 -37.4 -4.5 2007 33.0 -37.9 2010 -18.3 -19.1
Age of head 45-54 55-64
65-74
75 or older
88.5 106.1 43.9 66.7 107.2 91.8 80.5 80.0
181.3 105.5 70.8 74.7 88.8 164.5 104.8 100.0
81.0 89.1 141.6 66.7 80.3 57.5 314.3 100.0
150.2 91.0 42.5 53.4 98.0 57.5 235.7 220.9
19.9 -58.6 51.9 60.7 -14.4 -12.3 -0.6
-41.8 -32.9 5.5 18.9 85.2 -36.3 -4.6
10.0 58.9 -52.9 20.4 -28.4 446.6 -68.2
-39.4 -53.3 25.6 83.5 -41.3 309.9 -6.3
Mean value of business equity for families with holdings By age of head
Thousands of 2010 dollars
2500 2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of business equity for families with holdings Less than 35-44 35 Level (thousands of 2010 dollars) 1989 204.5 340.9 1992 146.7 306.9 1995 107.8 320.9 1998 277.4 395.7 2001 326.5 532.7 2004 213.2 563.0 2007 481.7 480.8 2010 249.4 442.0
Age of head 45-54 55-64
65-74
75 or older
554.5 517.0 556.1 641.9 684.8 854.7 1018.4 895.5
750.4 609.1 936.6 917.6 974.2 1079.4 1299.2 911.3
1035.6 731.2 782.5 753.9 959.5 1051.2 1921.9 970.3
1021.7 423.4 578.7 1090.7 1201.1 881.4 2205.8 1590.0
Three-year change (percent) 1992 -28.3 -10.0 1995 -26.5 4.6 1998 157.3 23.3 2001 17.7 34.6 2004 -34.7 5.7 2007 125.9 -14.6 2010 -48.2 -8.1
-6.8 7.6 15.4 6.7 24.8 19.2 -12.1
-18.8 53.8 -2.0 6.2 10.8 20.4 -29.9
-29.4 7.0 -3.7 27.3 9.6 82.8 -49.5
-58.6 36.7 88.5 10.1 -26.6 150.3 -27.9
Year
Percent of families with business equity By family structure
20
Percent
15 10 5 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with business equity Year
Single with child(ren)
Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
5.4 5.1 5.0 3.1 5.8 5.8 7.5 5.1
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
10.4 12.0 10.9 7.7 6.8 9.1 8.8 7.4
5.1 4.4 5.3 3.9 3.9 5.3 3.6 6.6
18.2 20.6 17.8 19.4 19.7 18.5 18.5 17.0
16.9 18.0 15.3 16.1 17.8 17.5 18.4 19.5
-0.7 0.9 -1.4 0.0 1.4 -1.7 3.0
2.4 -2.8 1.6 0.3 -1.2 0.0 -1.5
1.1 -2.7 0.8 1.7 -0.3 0.9 1.1
Three-year change (percentage points) 1992 -0.3 1.6 1995 -0.1 -1.1 1998 -1.9 -3.2 2001 2.7 -0.9 2004 0.0 2.3 2007 1.7 -0.3 2010 -2.4 -1.4
Median value of business equity for families with holdings
Thousands of 2010 dollars
By family structure
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of business equity for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 46.0 25.3 1992 26.5 22.7 1995 14.2 25.5 1998 53.4 36.7 2001 63.4 63.4 2004 28.8 57.5 2007 52.4 34.0 2010 20.0 43.0 Three-year change (percent) 1992 -42.4 1995 -46.4 1998 276.1 2001 18.7 2004 -54.6 2007 81.9 2010 -61.8
-10.3 12.3 43.9 72.8 -9.3 -40.9 26.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
85.2 75.8 49.6 80.0 3.7 120.8 261.9 80.3
84.3 75.8 42.5 74.7 122.5 93.9 94.3 75.0
102.5 75.8 63.7 66.7 73.5 92.1 104.8 109.0
-11.0 -34.6 61.3 -95.4 3164.9 116.8 -69.3
-10.1 -43.9 75.8 64.0 -23.3 0.4 -20.5
-26.0 -16.0 4.7 10.2 25.3 13.8 4.0
Mean value of business equity for families with holdings
Thousands of 2010 dollars
By family structure
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of business equity for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 261.2 348.4 1992 107.4 153.0 1995 224.5 185.7 1998 600.0 288.7 2001 216.2 564.6 2004 477.0 429.4 2007 289.5 621.1 2010 182.2 241.2 Three-year change (percent) 1992 -58.9 1995 109.0 1998 167.3 2001 -64.0 2004 120.6 2007 -39.3 2010 -37.1
-56.1 21.4 55.5 95.6 -23.9 44.6 -61.2
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
214.7 515.0 465.5 918.9 724.2 549.0 997.5 619.3
456.0 419.5 391.5 540.1 686.1 764.1 926.9 846.4
740.1 545.4 749.1 704.1 781.2 926.1 1287.7 949.1
139.9 -9.6 97.4 -21.2 -24.2 81.7 -37.9
-8.0 -6.7 38.0 27.0 11.4 21.3 -8.7
-26.3 37.3 -6.0 11.0 18.5 39.0 -26.3
Percent of families with business equity By education of head
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with business equity Year
No high school diploma Level (percent) 1989 7.7 1992 5.1 1995 6.0 1998 5.5 2001 5.7 2004 5.0 2007 5.9 2010 5.2
Education of head High school Some college diploma
Three-year change (percentage points) 1992 -2.6 1995 0.9 1998 -0.5 2001 0.2 2004 -0.7 2007 0.9 2010 -0.7
College degree
11.5 11.2 10.3 8.9 9.5 11.5 9.5 10.9
14.2 14.1 13.3 14.7 12.0 12.5 12.7 11.2
19.8 23.3 19.1 18.8 21.8 18.5 20.7 18.9
-0.3 -0.9 -1.4 0.6 2.0 -2.0 1.4
-0.1 -0.8 1.4 -2.7 0.5 0.2 -1.5
3.5 -4.2 -0.3 3.0 -3.3 2.2 -1.8
Median value of business equity for families with holdings By education of head
Thousands of 2010 dollars
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of business equity for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 42.2 1992 91.0 1995 113.3 1998 40.0 2001 36.8 2004 29.4 2007 61.8 2010 27.8 Three-year change (percent) 1992 115.6 1995 24.5 1998 -64.7 2001 -8.0 2004 -20.1 2007 110.2 2010 -55.0
Education of head High school Some college diploma
College degree
67.5 50.0 56.7 80.0 69.9 57.5 94.3 64.1
75.9 45.5 38.5 53.4 61.3 80.5 47.1 110.0
139.8 68.2 25.5 66.7 116.4 115.1 104.8 88.0
-25.9 13.4 41.1 -12.6 -17.7 64.0 -32.0
-40.1 -15.4 38.7 14.8 31.3 -41.5 133.5
-51.2 -62.6 161.6 74.5 -1.1 -8.9 -16.0
Mean value of business equity for families with holdings By education of head
Thousands of 2010 dollars
1400 1200 1000 800 600 400 200 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of business equity for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 310.1 1992 353.8 1995 314.1 1998 191.2 2001 300.2 2004 318.6 2007 227.9 2010 270.5 Three-year change (percent) 1992 14.1 1995 -11.2 1998 -39.1 2001 57.0 2004 6.1 2007 -28.5 2010 18.7
Education of head High school Some college diploma
College degree
324.6 247.5 337.5 411.8 366.1 271.6 534.4 460.6
477.0 463.7 429.3 426.4 525.6 496.4 766.2 515.1
689.8 481.8 599.0 793.4 922.1 1146.6 1341.0 1075.7
-23.8 36.4 22.0 -11.1 -25.8 96.8 -13.8
-2.8 -7.4 -0.7 23.3 -5.6 54.4 -32.8
-30.2 24.3 32.5 16.2 24.3 17.0 -19.8
Percent of families with business equity By race or ethnicity of respondent
16
Percent
14 12 10 8 6 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with business equity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 15.5 16.4 14.7 14.6 16.1 15.7 15.8 15.6
Three-year change (percentage points) 1992 0.9 1995 -1.7 1998 -0.1 2001 1.5 2004 -0.4 2007 0.1 2010 -0.2
6.8 8.2 6.1 6.4 5.8 7.2 8.2 8.3 1.4 -2.1 0.3 -0.6 1.4 1.0 0.1
Median value of business equity for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of business equity for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 92.8 4.4 1992 66.4 45.5 1995 49.6 12.4 1998 66.7 26.7 2001 91.9 61.3 2004 93.9 48.3 2007 104.8 52.4 2010 97.2 43.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-28.4 -25.3 34.5 37.8 2.2 11.6 -7.3
934.1 -72.7 115.3 129.6 -21.2 8.5 -17.9
Mean value of business equity for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
1200 1000 800 600 400 200 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of business equity for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 534.6 261.0 1992 431.0 311.1 1995 502.7 233.3 1998 635.4 221.6 2001 724.8 412.2 2004 820.0 401.3 2007 1059.4 675.8 2010 895.2 372.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-19.4 16.6 26.4 14.1 13.1 29.2 -15.5
19.2 -25.0 -5.0 86.0 -2.6 68.4 -44.9
Percent of families with business equity By current work status of head
80
Percent
60
40
20
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with business equity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
7.7 8.6 8.2 6.3 7.3 7.2 7.7 6.6
Three-year change (percentage points) 1992 0.9 1995 -0.4 1998 -1.9 2001 1.0 2004 -0.1 2007 0.5 2010 -1.1
Other not working
69.3 75.7 66.6 68.7 67.4 64.1 74.9 71.1
4.4 4.4 3.6 3.9 4.1 4.5 3.8 4.5
1.4 2.3 3.7 5.1 5.8 7.5 3.7 4.1
6.4 -9.1 2.1 -1.3 -3.3 10.8 -3.8
0.0 -0.8 0.3 0.2 0.4 -0.7 0.7
0.9 1.4 1.4 0.7 1.7 -3.8 0.4
Median value of business equity for families with holdings By current work status of head
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of business equity for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 42.2 1992 22.7 1995 21.2 1998 26.7 2001 46.0 2004 25.3 2007 21.0 2010 25.0
101.2 91.0 70.8 106.7 122.5 165.7 110.0 100.0
114.7 91.0 77.9 51.1 33.7 34.2 157.2 125.5
128.1 24.7 21.2 4.7 134.8 28.8 98.1 37.6
Three-year change (percent) 1992 -46.2 1995 -6.6 1998 25.9 2001 72.3 2004 -45.0 2007 -17.0 2010 19.0
-10.1 -22.2 50.7 14.8 35.3 -33.6 -9.1
-20.7 -14.4 -34.4 -34.1 1.5 359.6 -20.2
-80.7 -14.2 -77.8 2768.1 -78.6 240.6 -61.7
Mean value of business equity for families with holdings By current work status of head
Thousands of 2010 dollars
1400 1200 1000 800 600 400 200 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of business equity for families with holdings Year
Employee
Level (thousands of 2010 dollars) 1989 239.9 1992 246.3 1995 174.8 1998 330.6 2001 314.2 2004 377.2 2007 457.5 2010 332.1 Three-year change (percent) 1992 2.7 1995 -29.0 1998 89.1 2001 -5.0 2004 20.1 2007 21.3 2010 -27.4
Current work status of head Self-employed Retired
Other not working
659.0 503.1 664.2 737.2 911.9 1026.4 1274.6 1036.8
375.0 512.1 706.5 477.1 727.8 567.0 1331.2 662.3
1057.3 117.5 109.9 171.7 386.9 186.4 512.1 216.5
-23.7 32.0 11.0 23.7 12.6 24.2 -18.7
36.6 38.0 -32.5 52.5 -22.1 134.8 -50.2
-88.9 -6.5 56.2 125.3 -51.8 174.7 -57.7
Percent of families with business equity By current occupation of head
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with business equity Year
Managerial or professional Level (percent) 1989 22.3 1992 28.2 1995 25.0 1998 22.9 2001 30.3 2004 24.6 2007 25.4 2010 25.9
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 5.9 1995 -3.2 1998 -2.1 2001 7.4 2004 -5.7 2007 0.8 2010 0.5
Retired or other not working
13.6 16.2 11.6 10.6 9.7 11.3 10.8 9.6
17.6 14.7 15.8 14.7 8.5 11.5 14.7 13.8
3.7 3.9 3.6 4.1 4.4 4.9 3.8 4.4
2.6 -4.6 -1.0 -0.9 1.6 -0.5 -1.2
-2.9 1.1 -1.1 -6.2 3.0 3.2 -0.9
0.2 -0.3 0.5 0.3 0.5 -1.1 0.6
Median value of business equity for families with holdings By current occupation of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of business equity for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 109.6 46.0 67.5 1992 95.5 30.3 50.3 1995 42.5 49.6 42.5 1998 80.0 66.7 48.0 2001 122.5 49.0 73.5 2004 115.1 57.5 43.7 2007 118.8 26.2 61.8 2010 102.0 27.0 51.5 Year
Three-year change (percent) 1992 -12.9 1995 -55.5 1998 88.2 2001 53.1 2004 -6.0 2007 3.2 2010 -14.1
-34.1 63.7 34.5 -26.5 17.3 -54.4 3.1
-25.5 -15.5 12.9 53.1 -40.5 41.4 -16.7
Retired or other not working 114.7 60.6 42.5 40.0 68.0 28.8 157.2 81.6 -47.2 -29.9 -5.9 70.0 -57.6 445.8 -48.1
Mean value of business equity for families with holdings By current occupation of head
Thousands of 2010 dollars
1400 1200 1000 800 600 400 200 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of business equity for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 788.3 303.7 330.7 1992 608.1 252.1 198.2 1995 622.2 467.7 257.4 1998 869.9 558.2 239.2 2001 865.6 410.3 296.5 2004 1133.1 429.1 190.5 2007 1408.4 587.5 281.5 2010 1163.7 331.9 233.7 Year
Three-year change (percent) 1992 -22.9 1995 2.3 1998 39.8 2001 -0.5 2004 30.9 2007 24.3 2010 -17.4
-17.0 85.5 19.4 -26.5 4.6 36.9 -43.5
-40.1 29.9 -7.1 24.0 -35.8 47.8 -17.0
Retired or other not working 426.3 456.6 582.3 408.2 653.5 477.5 1204.9 571.7 7.1 27.5 -29.9 60.1 -26.9 152.3 -52.6
Percent of families with business equity By region
18
Percent
16 14 12 10 8 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with business equity Region Year Northeast Level (percent) 1989 12.2 1992 13.7 1995 13.2 1998 12.2 2001 11.4 2004 13.6 2007 9.1 2010 11.1
Midwest
South
West
13.8 14.7 12.4 12.3 13.6 14.1 15.4 13.0
12.7 12.1 12.7 12.6 13.9 11.7 12.6 12.5
14.9 18.3 13.0 13.6 14.7 15.1 16.9 16.6
0.9 -2.3 -0.1 1.3 0.5 1.3 -2.4
-0.6 0.6 -0.1 1.3 -2.2 0.9 -0.1
3.4 -5.3 0.6 1.1 0.4 1.8 -0.3
Three-year change (percentage points) 1992 1.5 1995 -0.5 1998 -1.0 2001 -0.8 2004 2.2 2007 -4.5 2010 2.0
Median value of business equity for families with holdings By region
Thousands of 2010 dollars
140 120 100 80 60 40 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of business equity for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 46.2 1992 37.9 1995 34.7 1998 53.4 2001 61.3 2004 71.9 2007 104.8 2010 70.0 Three-year change (percent) 1992 -18.0 1995 -8.4 1998 53.9 2001 14.8 2004 17.3 2007 45.8 2010 -33.2
Midwest
South
West
126.5 75.8 55.2 66.7 110.3 95.5 104.8 100.0
67.5 45.5 49.6 66.7 95.6 57.5 62.9 80.3
101.2 60.6 33.6 53.4 61.3 115.1 99.5 52.8
-40.1 -27.2 20.8 65.4 -13.4 9.7 -4.6
-32.6 9.0 34.5 43.3 -39.9 9.4 27.7
-40.1 -44.6 58.9 14.8 87.8 -13.6 -46.9
Mean value of business equity for families with holdings By region
Thousands of 2010 dollars
1400 1200 1000 800 600 400 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of business equity for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 402.2 1992 486.2 1995 521.9 1998 629.4 2001 724.3 2004 809.3 2007 1389.4 2010 871.3 Three-year change (percent) 1992 20.9 1995 7.3 1998 20.6 2001 15.1 2004 11.7 2007 71.7 2010 -37.3
Midwest
South
West
629.7 434.6 528.5 488.8 539.5 789.6 773.9 704.4
391.3 370.9 414.1 616.6 731.8 649.0 1052.4 867.1
588.8 390.0 466.1 604.1 755.7 825.3 943.6 709.6
-31.0 21.6 -7.5 10.4 46.4 -2.0 -9.0
-5.2 11.6 48.9 18.7 -11.3 62.2 -17.6
-33.8 19.5 29.6 25.1 9.2 14.3 -24.8
Percent of families with business equity By urbanicity
18 17
Percent
16 15 14 13 12 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
2007
Non−MSA
Percent of families with business equity Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
12.2 14.5 12.5 12.5 13.3 13.7 13.9 13.4
17.9 13.7 14.2 13.5 15.4 11.7 11.8 12.3
Three-year change (percentage points) 1992 2.3 1995 -2.0 1998 0.0 2001 0.8 2004 0.4 2007 0.2 2010 -0.5
2010
-4.2 0.5 -0.7 1.9 -3.7 0.1 0.5
Median value of business equity for families with holdings By urbanicity
Thousands of 2010 dollars
120
100
80
60
40 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of business equity for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 67.5 1992 60.6 1995 42.5 1998 66.7 2001 85.8 2004 86.3 2007 98.1 2010 73.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-10.2 -29.9 56.9 28.6 0.6 13.7 -25.0
2010
Non-MSA
118.1 68.2 70.8 66.7 80.3 86.3 94.3 104.5 -42.3 3.8 -5.8 20.4 7.5 9.3 10.8
Mean value of business equity for families with holdings By urbanicity
Thousands of 2010 dollars
1200 1000 800 600 400 200 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of business equity for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 549.2 1992 464.5 1995 499.0 1998 653.6 2001 773.5 2004 846.3 2007 1097.6 2010 866.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-15.4 7.4 31.0 18.3 9.4 29.7 -21.0
2010
Non-MSA
353.2 180.1 345.0 226.9 253.7 257.9 380.5 379.3 -49.0 91.6 -34.2 11.8 1.7 47.5 -0.3
Percent of families with business equity By housing status
20
Percent
15
10
5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with business equity Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
16.7 18.2 15.8 15.9 17.5 17.0 17.5 17.0
7.2 7.5 7.3 6.3 5.2 5.1 5.0 5.5
Three-year change (percentage points) 1992 1.5 1995 -2.4 1998 0.1 2001 1.6 2004 -0.5 2007 0.5 2010 -0.5
0.3 -0.2 -1.0 -1.1 -0.1 -0.1 0.5
2010
Median value of business equity for families with holdings By housing status
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of business equity for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 92.8 1992 75.8 1995 49.9 1998 76.5 2001 116.4 2004 93.8 2007 104.8 2010 95.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-18.3 -34.2 53.3 52.2 -19.4 11.7 -9.4
Renter or other 16.9 22.7 21.2 26.7 18.4 34.5 34.6 25.0 34.3 -6.6 25.9 -31.1 87.5 0.3 -27.7
2010
Mean value of business equity for families with holdings By housing status
Thousands of 2010 dollars
1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of business equity for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 558.4 1992 464.8 1995 567.5 1998 682.8 2001 757.9 2004 826.7 2007 1077.1 2010 874.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-16.8 22.1 20.3 11.0 9.1 30.3 -18.8
Renter or other 256.6 197.3 103.7 113.6 228.4 244.1 334.3 236.1 -23.1 -47.4 9.5 101.1 6.9 37.0 -29.4
2010
Percent of families with business equity By percentile of net worth
50
Percent
40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with business equity Year Less than 25 Level (percent) 1989 1.7 1992 2.2 1995 1.9 1998 2.0 2001 1.7 2004 1.6 2007 2.3 2010 2.9
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
7.3 8.0 7.4 7.6 5.7 7.4 7.5 6.1
12.0 15.7 14.6 11.4 13.4 13.1 13.4 12.9
20.2 20.4 18.6 19.8 24.1 22.5 19.6 20.8
50.1 47.9 40.2 44.6 47.3 44.5 48.3 46.6
3.7 -1.1 -3.2 2.0 -0.3 0.3 -0.5
0.2 -1.8 1.2 4.3 -1.6 -2.9 1.2
-2.2 -7.7 4.4 2.7 -2.8 3.8 -1.7
Three-year change (percentage points) 1992 0.5 0.7 1995 -0.3 -0.6 1998 0.1 0.2 2001 -0.3 -1.9 2004 -0.1 1.7 2007 0.7 0.1 2010 0.6 -1.4
Median value of business equity for families with holdings By percentile of net worth
Thousands of 2010 dollars
600 500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of business equity for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 0.2 5.1 1992 3.0 11.4 1995 1.4 10.6 1998 1.9 9.3 2001 3.8 7.4 2004 2.3 8.1 2007 0.5 12.0 2010 1.2 11.6 Three-year change (percent) 1992 1400.0 1995 -53.3 1998 35.7 2001 100.0 2004 -39.5 2007 -78.3 2010 140.0
123.5 -7.0 -12.3 -20.4 9.5 48.1 -3.3
Percentile of net worth 50-74.9
75-89.9
90-100
42.2 26.5 21.2 49.0 50.4 49.0 52.4 40.0
92.8 90.2 106.2 100.0 122.5 115.1 104.8 125.0
506.0 409.3 382.4 333.5 490.1 575.3 639.1 600.0
-37.2 -20.0 131.1 2.9 -2.8 6.9 -23.7
-2.8 17.7 -5.8 22.5 -6.0 -8.9 19.3
-19.1 -6.6 -12.8 47.0 17.4 11.1 -6.1
Mean value of business equity for families with holdings By percentile of net worth
Thousands of 2010 dollars
2500 2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of business equity for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 8.7 12.7 1992 10.6 18.5 1995 7.0 17.0 1998 5.4 19.6 2001 15.8 18.9 2004 4.6 17.8 2007 4.1 24.3 2010 12.4 24.9 Three-year change (percent) 1992 21.8 1995 -34.0 1998 -22.9 2001 192.6 2004 -70.9 2007 -10.9 2010 202.4
45.7 -8.1 15.3 -3.6 -5.8 36.5 2.5
Percentile of net worth 50-74.9
75-89.9
90-100
60.6 41.7 40.5 67.9 68.1 78.6 74.6 60.5
140.0 121.6 115.3 142.7 192.1 199.3 191.4 190.2
1198.6 1118.4 1380.8 1520.5 1780.1 2054.4 2606.1 2063.3
-31.2 -2.9 67.7 0.3 15.4 -5.1 -18.9
-13.1 -5.2 23.8 34.6 3.7 -4.0 -0.6
-6.7 23.5 10.1 17.1 15.4 26.9 -20.8
Percent of families with other nonfinancial assets For all families
12
Percent
11
10
9
8
7 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with other nonfinancial assets All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
12.4 8.3 9.0 8.5 7.5 7.8 7.2 7.0 -4.1 0.7 -0.5 -1.0 0.3 -0.6 -0.2
2007
2010
Median value of other nonfinancial assets for families with holdings For all families
Thousands of 2010 dollars
17 16 15 14 13 12 11 1989
1992
1995
1998 2001 Year
2004
2007
Median value of other nonfinancial assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 12.6 10.6 12.5 13.3 14.7 17.3 14.7 15.0 -15.9 17.9 6.4 10.5 17.7 -15.0 2.0
2010
Mean value of other nonfinancial assets for families with holdings For all families
Thousands of 2010 dollars
90
80
70
60
50
40 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of other nonfinancial assets for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 49.9 44.5 56.9 53.8 69.3 76.6 84.6 66.5 -10.8 27.9 -5.4 28.8 10.5 10.4 -21.4
2010
Percent of families with other nonfinancial assets By percentile of income
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with other nonfinancial assets Percentile of income Year Less than 20-39.9 40-59.9 60-79.9 80-89.9 20 Level (percent) 1989 5.3 8.1 11.9 16.1 17.0 1992 4.6 4.3 9.9 7.3 12.0 1995 3.7 6.4 7.2 12.2 10.0 1998 2.3 7.4 8.9 10.5 9.4 2001 2.9 5.8 6.2 8.7 9.4 2004 3.9 4.3 7.6 10.4 8.4 2007 3.9 5.7 7.4 7.2 9.0 2010 2.7 4.4 7.3 9.3 10.8 Three-year change (percentage points) 1992 -0.7 -3.8 1995 -0.9 2.1 1998 -1.4 1.0 2001 0.6 -1.6 2004 1.0 -1.5 2007 0.0 1.4 2010 -1.2 -1.3
-2.0 -2.7 1.7 -2.7 1.4 -0.2 -0.1
-8.8 4.9 -1.7 -1.8 1.7 -3.2 2.1
2010
-5.0 -2.0 -0.6 0.0 -1.0 0.6 1.8
90-100
23.8 19.1 21.1 17.0 17.9 16.7 14.1 12.3 -4.7 2.0 -4.1 0.9 -1.2 -2.6 -1.8
Median value of other nonfinancial assets for families with holdings By percentile of income
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of other nonfinancial assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 1.7 8.4 1992 2.9 10.6 1995 8.5 8.2 1998 6.7 6.7 2001 7.4 7.4 2004 5.2 8.1 2007 3.1 6.3 2010 5.3 5.0 Three-year change (percent) 1992 70.6 26.2 1995 193.1 -22.6 1998 -21.2 -18.3 2001 10.4 10.4 2004 -29.7 9.5 2007 -40.4 -22.2 2010 71.0 -20.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
10.1 7.6 7.1 8.0 12.3 11.5 10.5 10.0
11.8 7.6 11.3 13.3 12.3 11.5 15.7 13.0
16.9 19.7 28.3 13.3 24.5 20.1 21.0 22.0
42.2 37.9 24.1 40.0 61.3 57.5 78.6 35.0
-24.8 -6.6 12.7 53.8 -6.5 -8.7 -4.8
-35.6 48.7 17.7 -7.5 -6.5 36.5 -17.2
16.6 43.7 -53.0 84.2 -18.0 4.5 4.8
-10.2 -36.4 66.0 53.2 -6.2 36.7 -55.5
Mean value of other nonfinancial assets for families with holdings By percentile of income
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of other nonfinancial assets for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 13.1 25.1 1992 7.7 23.3 1995 17.5 14.5 1998 13.9 18.5 2001 15.4 21.9 2004 16.2 21.8 2007 25.9 20.4 2010 25.0 34.7 Three-year change (percent) 1992 -41.2 -7.2 1995 127.3 -37.8 1998 -20.6 27.6 2001 10.8 18.4 2004 5.2 -0.5 2007 59.9 -6.4 2010 -3.5 70.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
17.3 18.5 18.8 26.9 17.7 54.4 35.7 52.7
42.5 30.6 34.9 29.6 27.1 39.0 52.9 41.9
29.1 42.5 56.8 44.2 43.7 49.6 52.7 52.0
140.9 110.4 148.3 159.3 207.4 213.4 272.2 173.8
6.9 1.6 43.1 -34.2 207.3 -34.4 47.6
-28.0 14.1 -15.2 -8.4 43.9 35.6 -20.8
46.0 33.6 -22.2 -1.1 13.5 6.2 -1.3
-21.6 34.3 7.4 30.2 2.9 27.6 -36.1
Percent of families with other nonfinancial assets By age of head
16 14
Percent
12 10 8 6 4 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with other nonfinancial assets Age of head Year Less than 35-44 45-54 55-64 65-74 35 Level (percent) 1989 9.8 14.0 15.6 13.9 12.9 1992 8.2 9.4 9.8 6.4 6.5 1995 7.2 10.0 11.4 10.2 9.0 1998 7.3 8.8 9.2 8.5 10.3 2001 6.8 7.8 7.2 7.9 9.7 2004 5.5 6.0 9.7 9.2 9.0 2007 5.8 5.5 8.7 8.5 9.1 2010 6.1 4.2 6.6 9.6 11.1 Three-year change (percentage points) 1992 -1.6 -4.6 1995 -1.0 0.6 1998 0.1 -1.2 2001 -0.5 -1.0 2004 -1.3 -1.8 2007 0.3 -0.5 2010 0.3 -1.3
-5.8 1.6 -2.2 -2.0 2.5 -1.0 -2.1
-7.5 3.8 -1.7 -0.6 1.3 -0.7 1.1
2010
-6.4 2.5 1.3 -0.6 -0.7 0.1 2.0
75 or older
8.0 8.8 5.6 7.0 5.8 8.5 5.8 6.0 0.8 -3.2 1.4 -1.2 2.7 -2.7 0.2
Median value of other nonfinancial assets for families with holdings By age of head
Thousands of 2010 dollars
40
30
20
10
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of other nonfinancial assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 8.4 11.8 1992 6.1 12.1 1995 7.1 14.2 1998 6.7 10.7 2001 12.3 11.0 2004 5.8 11.5 2007 8.7 10.5 2010 5.0 10.0 Three-year change (percent) 1992 -27.4 2.5 1995 16.4 17.4 1998 -5.6 -24.6 2001 83.6 2.8 2004 -52.8 4.5 2007 50.0 -8.7 2010 -42.5 -4.8
Age of head 45-54 55-64
65-74
75 or older
13.5 19.7 14.2 18.7 13.5 23.0 15.7 15.0
16.9 15.2 14.2 37.3 36.8 28.8 21.0 20.0
14.0 13.6 19.8 13.3 24.5 34.5 21.0 28.0
14.0 9.9 11.3 13.3 14.7 12.7 26.2 26.0
45.9 -27.9 31.7 -27.8 70.4 -31.7 -4.5
-10.1 -6.6 162.7 -1.3 -21.7 -27.1 -4.8
-2.9 45.6 -32.8 84.2 40.8 -39.1 33.3
-29.3 14.1 17.7 10.5 -13.6 106.3 -0.8
Mean value of other nonfinancial assets for families with holdings By age of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of other nonfinancial assets for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 31.2 59.9 1992 11.4 38.6 1995 26.3 30.9 1998 15.8 25.4 2001 20.9 32.1 2004 11.8 30.7 2007 28.0 33.6 2010 17.9 28.3 Three-year change (percent) 1992 -63.5 -35.6 1995 130.7 -19.9 1998 -39.9 -17.8 2001 32.3 26.4 2004 -43.5 -4.4 2007 137.3 9.4 2010 -36.1 -15.8
Age of head 45-54 55-64
65-74
75 or older
53.7 69.9 56.9 91.3 113.3 72.0 110.3 49.6
63.0 59.9 85.5 93.6 129.1 107.4 93.3 98.9
45.4 86.8 93.6 67.0 96.1 113.8 142.5 95.5
42.7 37.0 126.0 50.8 42.6 150.5 106.4 104.6
30.2 -18.6 60.5 24.1 -36.5 53.2 -55.0
-4.9 42.7 9.5 37.9 -16.8 -13.1 6.0
91.2 7.8 -28.4 43.4 18.4 25.2 -33.0
-13.3 240.5 -59.7 -16.1 253.3 -29.3 -1.7
Percent of families with other nonfinancial assets By family structure
16 14 Percent
12 10 8 6 4 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with other nonfinancial assets Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 8.6 12.7 10.7 11.7 1992 3.3 9.9 6.4 8.3 1995 4.9 11.4 6.2 9.4 1998 6.7 10.0 6.7 7.7 2001 4.2 10.5 5.7 6.7 2004 4.5 7.9 8.0 6.5 2007 5.4 7.6 5.9 6.3 2010 3.9 5.7 8.0 5.9 Three-year change (percentage points) 1992 -5.3 -2.8 1995 1.6 1.5 1998 1.8 -1.4 2001 -2.5 0.5 2004 0.3 -2.6 2007 0.9 -0.3 2010 -1.5 -1.9
2010
-4.3 -0.2 0.5 -1.0 2.3 -2.1 2.1
-3.4 1.1 -1.7 -1.0 -0.2 -0.2 -0.4
Couple, no child
16.2 11.0 10.5 10.1 8.8 10.5 9.3 10.0 -5.2 -0.5 -0.4 -1.3 1.7 -1.2 0.7
Median value of other nonfinancial assets for families with holdings By family structure
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of other nonfinancial assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 6.7 8.4 1992 9.1 7.6 1995 11.3 9.2 1998 9.3 6.7 2001 10.4 12.3 2004 11.5 11.5 2007 10.5 8.7 2010 15.0 7.0 Three-year change (percent) 1992 35.8 1995 24.2 1998 -17.7 2001 11.8 2004 10.6 2007 -8.7 2010 42.9
-9.5 21.1 -27.2 83.6 -6.5 -24.3 -19.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
16.5 7.6 14.2 10.7 18.4 11.5 10.5 15.0
16.9 15.2 11.3 16.0 12.3 17.3 15.7 12.0
13.5 15.2 14.2 26.7 24.5 25.9 24.6 20.0
-53.9 86.8 -24.6 72.0 -37.5 -8.7 42.9
-10.1 -25.7 41.6 -23.1 40.7 -9.2 -23.6
12.6 -6.6 88.0 -8.2 5.7 -5.0 -18.7
Mean value of other nonfinancial assets for families with holdings By family structure
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of other nonfinancial assets for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 18.5 23.2 1992 22.0 22.6 1995 30.0 23.6 1998 21.5 27.7 2001 38.0 22.6 2004 69.7 29.0 2007 63.7 36.3 2010 52.6 22.8 Three-year change (percent) 1992 18.9 1995 36.4 1998 -28.3 2001 76.7 2004 83.4 2007 -8.6 2010 -17.4
-2.6 4.4 17.4 -18.4 28.3 25.2 -37.2
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
28.5 24.6 71.1 40.0 60.2 72.2 50.6 88.2
81.3 56.1 50.0 70.0 72.5 65.6 96.9 57.0
45.8 56.1 87.2 69.0 104.0 109.1 112.6 79.7
-13.7 189.0 -43.7 50.5 19.9 -29.9 74.3
-31.0 -10.9 40.0 3.6 -9.5 47.7 -41.2
22.5 55.4 -20.9 50.7 4.9 3.2 -29.2
Percent of families with other nonfinancial assets By education of head
20
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
-5.6 0.6 0.9 -1.9 0.3 -0.2 0.4
2010
High school diploma College degree
Percent of families with other nonfinancial assets Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 6.0 11.0 15.0 1992 2.3 5.4 10.9 1995 3.1 6.0 9.2 1998 3.7 6.9 7.1 2001 1.9 5.0 9.7 2004 1.9 5.3 9.4 2007 2.2 5.1 7.0 2010 1.3 5.5 7.6 Three-year change (percentage points) 1992 -3.7 1995 0.8 1998 0.6 2001 -1.8 2004 0.0 2007 0.3 2010 -0.9
2007
-4.1 -1.7 -2.1 2.6 -0.3 -2.4 0.6
College degree
18.0 13.6 15.6 13.1 11.1 11.3 11.0 9.9 -4.4 2.0 -2.5 -2.0 0.2 -0.3 -1.1
Median value of other nonfinancial assets for families with holdings By education of head
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of other nonfinancial assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 5.1 1992 5.3 1995 11.3 1998 6.7 2001 7.4 2004 5.8 2007 13.8 2010 5.0 Three-year change (percent) 1992 3.9 1995 113.2 1998 -40.7 2001 10.4 2004 -21.6 2007 137.9 2010 -63.8
Education of head High school Some college diploma
College degree
7.1 7.6 7.1 6.7 9.8 11.5 7.6 8.0
20.2 7.6 14.2 8.0 13.5 11.5 13.6 14.4
16.9 15.2 14.2 20.0 24.5 23.0 23.0 20.0
7.0 -6.6 -5.6 46.3 17.3 -33.9 5.3
-62.4 86.8 -43.7 68.8 -14.8 18.3 5.9
-10.1 -6.6 40.8 22.5 -6.1 0.0 -13.0
Mean value of other nonfinancial assets for families with holdings
Thousands of 2010 dollars
By education of head
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of other nonfinancial assets for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 13.9 1992 16.5 1995 16.5 1998 25.2 2001 9.0 2004 67.5 2007 61.2 2010 19.1 Three-year change (percent) 1992 18.7 1995 0.0 1998 52.7 2001 -64.3 2004 650.0 2007 -9.3 2010 -68.8
Education of head High school Some college diploma
College degree
20.1 19.8 25.7 21.2 23.5 31.3 23.5 29.8
48.1 29.7 61.8 45.4 36.7 38.3 38.8 52.7
82.3 63.4 72.4 76.7 108.8 110.7 128.3 91.2
-1.5 29.8 -17.5 10.8 33.2 -24.9 26.8
-38.3 108.1 -26.5 -19.2 4.4 1.3 35.8
-23.0 14.2 5.9 41.9 1.7 15.9 -28.9
Percent of families with other nonfinancial assets By race or ethnicity of respondent
14
Percent
12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with other nonfinancial assets Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 14.6 9.7 10.6 10.0 8.9 9.3 8.3 8.8
Three-year change (percentage points) 1992 -4.9 1995 0.9 1998 -0.6 2001 -1.1 2004 0.4 2007 -1.0 2010 0.5
5.8 4.1 3.6 3.2 3.1 3.8 4.3 3.3 -1.7 -0.5 -0.4 -0.1 0.7 0.5 -1.0
Median value of other nonfinancial assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
20
15
10
5 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of other nonfinancial assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 13.5 8.4 1992 10.6 10.6 1995 14.2 9.2 1998 13.3 6.7 2001 18.4 5.5 2004 19.0 11.5 2007 15.7 8.4 2010 15.0 10.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-21.5 34.0 -6.3 38.3 3.3 -17.4 -4.5
26.2 -13.2 -27.2 -17.9 109.1 -27.0 19.0
Mean value of other nonfinancial assets for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
90 80 70 60 50 40 30 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of other nonfinancial assets for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 51.3 39.8 1992 43.4 52.5 1995 56.7 59.2 1998 56.4 27.3 2001 74.0 27.4 2004 82.1 41.5 2007 92.1 49.6 2010 73.5 28.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-15.4 30.6 -0.5 31.2 10.9 12.2 -20.2
31.9 12.8 -53.9 0.4 51.5 19.5 -42.5
Percent of families with other nonfinancial assets By current work status of head
20
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 -3.0 1995 0.2 1998 -0.8 2001 -1.5 2004 -0.2 2007 0.0 2010 -0.7
2010
Self−employed Other not working
Percent of families with other nonfinancial assets Current work status of head Employee Self-employed Retired
12.4 9.4 9.6 8.8 7.3 7.1 7.1 6.4
2007
Other not working
21.2 12.0 15.5 13.3 14.0 12.9 11.0 12.0
9.5 5.6 5.8 6.4 5.3 7.1 5.4 6.8
8.4 5.1 6.0 3.4 4.1 6.4 8.2 4.8
-9.2 3.5 -2.2 0.7 -1.1 -1.9 1.0
-3.9 0.2 0.6 -1.1 1.8 -1.7 1.4
-3.3 0.9 -2.6 0.7 2.3 1.8 -3.4
Median value of other nonfinancial assets for families with holdings By current work status of head
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of other nonfinancial assets for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 10.1 1992 9.1 1995 14.2 1998 9.3 2001 12.3 2004 11.5 2007 10.5 2010 10.0
25.3 24.3 11.3 66.7 36.8 34.5 52.4 30.0
11.8 10.6 14.2 13.3 24.5 28.8 13.8 25.0
3.4 11.4 9.9 7.6 2.5 23.0 2.6 10.0
Three-year change (percent) 1992 -9.9 1995 56.0 1998 -34.5 2001 32.3 2004 -6.5 2007 -8.7 2010 -4.8
-4.0 -53.5 490.3 -44.8 -6.2 51.9 -42.7
-10.2 34.0 -6.3 84.2 17.6 -52.1 81.2
235.3 -13.2 -23.2 -67.1 820.0 -88.7 284.6
Mean value of other nonfinancial assets for families with holdings By current work status of head
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of other nonfinancial assets for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 31.9 1992 30.5 1995 44.8 1998 35.9 2001 35.9 2004 41.1 2007 45.1 2010 36.6
113.3 107.0 101.8 115.1 141.0 131.5 208.7 141.2
34.5 34.2 61.5 58.7 104.3 123.2 123.5 78.3
77.0 57.8 31.2 21.5 5.5 34.5 14.6 30.0
Three-year change (percent) 1992 -4.4 1995 46.9 1998 -19.9 2001 0.0 2004 14.5 2007 9.7 2010 -18.8
-5.6 -4.9 13.1 22.5 -6.7 58.7 -32.3
-0.9 79.8 -4.6 77.7 18.1 0.2 -36.6
-24.9 -46.0 -31.1 -74.4 527.3 -57.7 105.5
Percent of families with other nonfinancial assets By current occupation of head
20
Percent
15
10
5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
-3.4 1.9 -1.4 -1.3 0.5 0.5 -2.6
2010
Technical, sales, or services Retired or other not working
Percent of families with other nonfinancial assets Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 19.0 10.9 11.9 1992 13.6 7.5 8.5 1995 15.2 9.4 7.9 1998 12.7 8.0 7.8 2001 13.0 6.7 4.4 2004 10.4 7.2 5.9 2007 9.9 7.7 4.9 2010 9.6 5.1 6.7 Three-year change (percentage points) 1992 -5.4 1995 1.6 1998 -2.5 2001 0.3 2004 -2.6 2007 -0.5 2010 -0.3
2007
-3.4 -0.6 -0.1 -3.4 1.5 -1.0 1.8
Retired or other not working 9.2 5.5 5.8 5.9 5.1 7.0 5.8 6.3 -3.7 0.3 0.1 -0.8 1.9 -1.2 0.5
Median value of other nonfinancial assets for families with holdings By current occupation of head
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of other nonfinancial assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 16.9 10.1 8.4 1992 15.2 10.6 4.5 1995 17.0 12.7 8.2 1998 16.0 11.7 13.3 2001 24.5 12.3 9.8 2004 20.1 11.5 11.5 2007 21.0 15.7 10.5 2010 23.0 8.0 8.0 Year
Three-year change (percent) 1992 -10.1 1995 11.8 1998 -5.9 2001 53.1 2004 -18.0 2007 4.5 2010 9.5
5.0 19.8 -7.9 5.1 -6.5 36.5 -49.0
-46.4 82.2 62.2 -26.3 17.3 -8.7 -23.8
Retired or other not working 11.0 10.6 11.3 13.3 19.6 28.8 13.1 22.0 -3.6 6.6 17.7 47.4 46.9 -54.5 67.9
Mean value of other nonfinancial assets for families with holdings By current occupation of head
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of other nonfinancial assets for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 63.6 65.0 25.4 1992 59.5 53.7 13.8 1995 78.8 50.3 32.3 1998 69.5 56.7 26.1 2001 87.1 40.0 20.2 2004 96.8 39.3 23.6 2007 118.9 51.2 23.9 2010 100.7 35.8 15.2 Year
Three-year change (percent) 1992 -6.4 1995 32.4 1998 -11.8 2001 25.3 2004 11.1 2007 22.8 2010 -15.3
-17.4 -6.3 12.7 -29.5 -1.8 30.3 -30.1
-45.7 134.1 -19.2 -22.6 16.8 1.3 -36.4
Retired or other not working 42.6 39.4 55.1 55.0 91.2 110.7 99.4 70.3 -7.5 39.8 -0.2 65.8 21.4 -10.2 -29.3
Percent of families with other nonfinancial assets By region
16
Percent
14 12 10 8 6 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
2007 South
Percent of families with other nonfinancial assets Region Northeast Midwest South 13.1 9.7 8.0 9.8 5.7 6.4 5.5 5.5
Three-year change (percentage points) 1992 -3.4 1995 -1.7 1998 1.8 2001 -4.1 2004 0.7 2007 -0.9 2010 0.0
2010
West
12.2 6.3 9.4 7.3 7.2 8.8 6.4 5.8
10.4 6.5 8.1 7.7 6.4 7.1 7.2 6.6
15.1 12.4 11.1 10.0 11.1 8.9 9.3 10.2
-5.9 3.1 -2.1 -0.1 1.6 -2.4 -0.6
-3.9 1.6 -0.4 -1.3 0.7 0.1 -0.6
-2.7 -1.3 -1.1 1.1 -2.2 0.4 0.9
Median value of other nonfinancial assets for families with holdings By region
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of other nonfinancial assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 16.9 1992 15.2 1995 14.2 1998 11.7 2001 24.5 2004 17.3 2007 21.0 2010 30.0 Three-year change (percent) 1992 -10.1 1995 -6.6 1998 -17.6 2001 109.4 2004 -29.4 2007 21.4 2010 42.9
Midwest
South
West
9.3 10.6 9.9 9.3 12.3 17.3 10.5 10.0
10.1 7.6 14.2 14.7 12.3 17.3 15.7 15.0
16.5 12.2 14.2 13.3 13.5 17.3 14.7 15.0
14.0 -6.6 -6.1 32.3 40.7 -39.3 -4.8
-24.8 86.8 3.5 -16.3 40.7 -9.2 -4.5
-26.1 16.4 -6.3 1.5 28.1 -15.0 2.0
Mean value of other nonfinancial assets for families with holdings By region
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of other nonfinancial assets for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 62.9 1992 45.9 1995 61.3 1998 45.1 2001 91.2 2004 92.1 2007 91.9 2010 116.6 Three-year change (percent) 1992 -27.0 1995 33.6 1998 -26.4 2001 102.2 2004 1.0 2007 -0.2 2010 26.9
Midwest
South
West
28.0 41.8 36.4 37.6 56.9 100.0 41.4 36.4
50.6 49.4 65.6 72.5 75.4 49.1 94.2 67.5
59.1 40.7 63.3 50.8 62.0 79.2 99.8 60.8
49.3 -12.9 3.3 51.3 75.7 -58.6 -12.1
-2.4 32.8 10.5 4.0 -34.9 91.9 -28.3
-31.1 55.5 -19.7 22.0 27.7 26.0 -39.1
Percent of families with other nonfinancial assets By urbanicity
14
Percent
12 10 8 6 4 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with other nonfinancial assets Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 12.7 9.1 9.6 8.7 8.0 8.3 7.6 6.9
Three-year change (percentage points) 1992 -3.6 1995 0.5 1998 -0.9 2001 -0.7 2004 0.3 2007 -0.7 2010 -0.7
2010
11.0 4.8 5.4 7.4 4.2 5.1 5.1 7.8 -6.2 0.6 2.0 -3.2 0.9 0.0 2.7
Median value of other nonfinancial assets for families with holdings By urbanicity
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of other nonfinancial assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 14.3 1992 11.4 1995 12.7 1998 13.3 2001 14.7 2004 17.3 2007 14.1 2010 15.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-20.3 11.4 4.7 10.5 17.7 -18.5 6.4
2010
Non-MSA
7.1 4.9 10.6 11.7 7.4 11.5 23.0 12.5 -31.0 116.3 10.4 -36.8 55.4 100.0 -45.7
Mean value of other nonfinancial assets for families with holdings By urbanicity
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of other nonfinancial assets for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 51.9 1992 48.4 1995 58.0 1998 56.4 2001 72.5 2004 80.4 2007 85.0 2010 72.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-6.7 19.8 -2.8 28.5 10.9 5.7 -14.4
2010
Non-MSA
40.4 12.1 46.3 36.1 30.8 46.7 82.1 40.0 -70.0 282.6 -22.0 -14.7 51.6 75.8 -51.3
Percent of families with other nonfinancial assets By housing status
14
Percent
12 10 8 6 4 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with other nonfinancial assets Housing status Owner Renter or other 14.5 9.4 10.5 9.5 8.7 9.2 8.0 8.4
Three-year change (percentage points) 1992 -5.1 1995 1.1 1998 -1.0 2001 -0.8 2004 0.5 2007 -1.2 2010 0.4
8.5 6.5 6.3 6.4 4.9 4.6 5.3 4.2 -2.0 -0.2 0.1 -1.5 -0.3 0.7 -1.1
2010
Median value of other nonfinancial assets for families with holdings By housing status
Thousands of 2010 dollars
20
15
10
5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Median value of other nonfinancial assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 13.5 1992 12.1 1995 14.2 1998 17.3 2001 18.4 2004 20.1 2007 21.0 2010 20.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-10.4 17.4 21.8 6.4 9.2 4.5 -4.8
Renter or other 10.1 7.6 7.1 6.7 7.4 9.2 5.6 5.3 -24.8 -6.6 -5.6 10.4 24.3 -39.1 -5.4
Mean value of other nonfinancial assets for families with holdings By housing status
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of other nonfinancial assets for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 46.2 1992 49.2 1995 67.7 1998 65.6 2001 77.1 2004 88.4 2007 98.7 2010 78.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
6.5 37.6 -3.1 17.5 14.7 11.7 -20.7
Renter or other 61.4 32.4 24.1 19.7 40.4 24.6 38.4 18.5 -47.2 -25.6 -18.3 105.1 -39.1 56.1 -51.8
2010
Percent of families with other nonfinancial assets By percentile of net worth
30 25
Percent
20 15 10 5 0 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with other nonfinancial assets Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 3.3 10.6 13.1 17.8 1992 3.1 5.4 9.2 12.1 1995 3.1 7.0 10.5 12.3 1998 2.7 7.9 8.9 11.4 2001 3.0 5.0 6.7 10.1 2004 2.9 5.4 7.8 12.4 2007 2.4 6.4 7.8 7.3 2010 2.5 4.9 7.3 9.2 Three-year change (percentage points) 1992 -0.2 -5.2 1995 0.0 1.6 1998 -0.4 0.9 2001 0.3 -2.9 2004 -0.1 0.4 2007 -0.5 1.0 2010 0.1 -1.5
-3.9 1.3 -1.6 -2.2 1.1 0.0 -0.5
2010
-5.7 0.2 -0.9 -1.3 2.3 -5.1 1.9
90-100 29.2 21.0 20.4 18.8 22.7 18.7 19.0 19.7 -8.2 -0.6 -1.6 3.9 -4.0 0.3 0.7
Median value of other nonfinancial assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of other nonfinancial assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.0 6.7 1992 1.9 6.8 1995 3.5 7.1 1998 1.3 6.7 2001 4.9 12.3 2004 3.5 6.9 2007 1.4 7.9 2010 5.0 5.0 Three-year change (percent) 1992 90.0 1995 84.2 1998 -62.9 2001 276.9 2004 -28.6 2007 -60.0 2010 257.1
1.5 4.4 -5.6 83.6 -43.9 14.5 -36.7
Percentile of net worth 50-74.9
75-89.9
90-100
11.0 9.1 11.9 11.7 12.3 11.5 13.6 13.0
16.9 15.2 14.2 20.0 22.1 28.8 31.4 20.6
35.4 37.9 35.4 73.4 49.0 92.1 71.2 50.0
-17.3 30.8 -1.7 5.1 -6.5 18.3 -4.4
-10.1 -6.6 40.8 10.5 30.3 9.0 -34.4
7.1 -6.6 107.3 -33.2 88.0 -22.7 -29.8
Mean value of other nonfinancial assets for families with holdings By percentile of net worth
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of other nonfinancial assets for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 4.1 9.4 1992 3.1 10.8 1995 6.3 9.2 1998 6.5 10.7 2001 5.4 15.1 2004 5.1 13.8 2007 3.0 13.8 2010 5.3 8.2 Three-year change (percent) 1992 -24.4 1995 103.2 1998 3.2 2001 -16.9 2004 -5.6 2007 -41.2 2010 76.7
14.9 -14.8 16.3 41.1 -8.6 0.0 -40.6
Percentile of net worth 50-74.9
75-89.9
90-100
17.9 17.5 20.6 23.5 24.5 25.5 28.2 28.5
32.1 40.1 35.0 32.7 34.0 49.4 67.0 46.1
152.3 114.8 183.9 171.4 176.9 230.1 238.9 171.9
-2.2 17.7 14.1 4.3 4.1 10.6 1.1
24.9 -12.7 -6.6 4.0 45.3 35.6 -31.2
-24.6 60.2 -6.8 3.2 30.1 3.8 -28.0
Percent of families with unrealized capital gains For all families
73
Percent
72
71
70
69 1989
1992
1995
1998 2001 Year
2004
Percent of families with unrealized capital gains Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 68.8 69.4 69.8 71.0 72.1 73.0 72.4 70.2 0.6 0.4 1.2 1.1 0.9 -0.6 -2.2
2007
2010
Median value of unrealized capital gains for families with holdings For all families
Thousands of 2010 dollars
80
70
60
50
40
30 1989
1992
1995
1998 2001 Year
2004
2007
Median value of unrealized capital gains for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 51.2 40.9 36.9 41.4 49.0 62.1 78.6 37.2 -20.1 -9.8 12.2 18.4 26.7 26.6 -52.7
2010
Mean value of unrealized capital gains for families with holdings For all families
Thousands of 2010 dollars
350
300
250
200
150 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of unrealized capital gains for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 182.1 156.7 138.6 185.5 224.9 259.7 342.8 208.7 -13.9 -11.6 33.8 21.2 15.5 32.0 -39.1
2010
Percent of families with unrealized capital gains By percentile of income
100
Percent
80
60
40 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Percent of families with unrealized capital gains Year
Less than 20 Level (percent) 1989 35.4 1992 43.1 1995 42.0 1998 40.8 2001 42.6 2004 43.0 2007 44.4 2010 40.0
20-39.9
62.2 61.8 61.3 59.6 61.8 60.5 57.6 58.6
Three-year change (percentage points) 1992 7.7 -0.4 1995 -1.1 -0.5 1998 -1.2 -1.7 2001 1.8 2.2 2004 0.4 -1.3 2007 1.4 -2.9 2010 -4.4 1.0
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
71.2 69.1 68.5 74.9 71.3 76.6 74.8 73.3
80.9 80.7 83.9 84.4 87.6 87.7 88.1 84.7
90.7 89.4 91.9 93.1 95.1 95.5 96.2 92.0
98.2 95.2 95.1 98.0 99.6 99.2 97.7 96.6
-2.1 -0.6 6.4 -3.6 5.3 -1.8 -1.5
-0.2 3.2 0.5 3.2 0.1 0.4 -3.4
-1.3 2.5 1.2 2.0 0.4 0.7 -4.2
-3.0 -0.1 2.9 1.6 -0.4 -1.5 -1.1
Median value of unrealized capital gains for families with holdings By percentile of income
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of unrealized capital gains for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 25.3 38.8 1992 30.8 30.3 1995 21.2 28.9 1998 27.9 33.4 2001 30.6 31.6 2004 31.9 40.5 2007 48.2 51.3 2010 24.5 30.0 Three-year change (percent) 1992 21.7 -21.9 1995 -31.2 -4.6 1998 31.6 15.6 2001 9.7 -5.4 2004 4.2 28.2 2007 51.1 26.7 2010 -49.2 -41.5
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
42.2 29.4 29.7 30.1 33.1 46.0 52.4 27.0
48.1 38.6 31.1 38.7 46.6 67.9 76.9 31.0
68.3 48.5 43.5 56.0 74.7 92.1 138.6 57.0
182.5 153.1 99.1 133.4 196.3 264.7 373.8 157.1
-30.3 1.0 1.3 10.0 39.0 13.9 -48.5
-19.8 -19.4 24.4 20.4 45.7 13.3 -59.7
-29.0 -10.3 28.7 33.4 23.3 50.5 -58.9
-16.1 -35.3 34.6 47.2 34.8 41.2 -58.0
Mean value of unrealized capital gains for families with holdings By percentile of income
Thousands of 2010 dollars
1500
1000
500
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of unrealized capital gains for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 47.5 72.7 1992 56.0 62.5 1995 55.3 58.6 1998 61.7 67.9 2001 50.2 82.6 2004 83.4 100.3 2007 122.6 105.8 2010 112.7 77.1 Three-year change (percent) 1992 17.9 -14.0 1995 -1.2 -6.2 1998 11.6 15.9 2001 -18.6 21.6 2004 66.1 21.4 2007 47.0 5.5 2010 -8.1 -27.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
101.1 89.4 67.9 78.6 79.4 112.1 121.1 82.9
107.2 92.2 74.6 105.5 121.8 159.4 172.9 86.1
159.1 141.8 104.5 137.0 183.7 190.4 290.8 148.4
679.7 591.3 563.4 778.6 979.3 1079.1 1519.2 911.3
-11.6 -24.0 15.8 1.0 41.2 8.0 -31.5
-14.0 -19.1 41.4 15.5 30.9 8.5 -50.2
-10.9 -26.3 31.1 34.1 3.6 52.7 -49.0
-13.0 -4.7 38.2 25.8 10.2 40.8 -40.0
Percent of families with unrealized capital gains By age of head
90
Percent
80 70 60 50 40 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Percent of families with unrealized capital gains Year
Less than 35 Level (percent) 1989 46.9 1992 44.7 1995 47.8 1998 48.5 2001 48.1 2004 50.1 2007 47.0 2010 43.4
35-44
71.4 70.7 69.6 71.1 73.7 71.9 71.5 66.8
Three-year change (percentage points) 1992 -2.2 -0.7 1995 3.1 -1.1 1998 0.7 1.5 2001 -0.4 2.6 2004 2.0 -1.8 2007 -3.1 -0.4 2010 -3.6 -4.7
Age of head 45-54 55-64
65-74
75 or older
81.9 77.7 78.5 79.8 78.2 80.1 79.7 77.0
82.2 83.7 84.2 81.9 85.9 82.5 83.1 80.2
79.2 83.1 81.7 83.1 85.1 82.6 87.2 84.5
74.2 81.4 77.7 79.0 78.4 86.3 79.8 83.2
-4.2 0.8 1.3 -1.6 1.9 -0.4 -2.7
1.5 0.5 -2.3 4.0 -3.4 0.6 -2.9
3.9 -1.4 1.4 2.0 -2.5 4.6 -2.7
7.2 -3.7 1.3 -0.6 7.9 -6.5 3.4
Median value of unrealized capital gains for families with holdings By age of head
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of unrealized capital gains for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 14.3 46.9 1992 11.4 28.6 1995 7.1 27.4 1998 10.7 29.3 2001 12.3 35.5 2004 17.3 51.8 2007 18.9 52.4 2010 2.5 14.5 Three-year change (percent) 1992 -20.3 -39.0 1995 -37.7 -4.2 1998 50.7 6.9 2001 15.0 21.2 2004 40.7 45.9 2007 9.2 1.2 2010 -86.8 -72.3
Age of head 45-54 55-64
65-74
75 or older
77.6 56.1 46.7 46.7 59.4 74.8 100.6 45.0
73.4 65.2 63.7 65.4 73.5 107.7 104.8 58.3
65.9 66.8 74.3 80.7 75.1 88.6 117.2 80.0
63.4 54.4 71.3 74.0 89.6 88.6 108.6 80.0
-27.7 -16.8 0.0 27.2 25.9 34.5 -55.3
-11.2 -2.3 2.7 12.4 46.5 -2.7 -44.4
1.4 11.2 8.6 -6.9 18.0 32.3 -31.7
-14.2 31.1 3.8 21.1 -1.1 22.6 -26.3
Mean value of unrealized capital gains for families with holdings By age of head
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of unrealized capital gains for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 58.2 129.1 1992 44.0 118.3 1995 29.2 74.1 1998 43.1 119.7 2001 72.7 154.9 2004 64.5 195.6 2007 119.6 192.6 2010 33.9 82.3 Three-year change (percent) 1992 -24.4 -8.4 1995 -33.6 -37.4 1998 47.6 61.5 2001 68.7 29.4 2004 -11.3 26.3 2007 85.4 -1.5 2010 -71.7 -57.3
Age of head 45-54 55-64
65-74
75 or older
228.3 210.3 173.9 217.2 243.7 294.1 377.3 226.8
269.4 244.1 223.6 315.7 328.6 411.6 482.6 314.3
240.9 203.2 216.4 269.3 356.7 334.2 506.8 286.0
226.1 129.4 161.3 192.9 240.3 259.1 382.4 275.3
-7.9 -17.3 24.9 12.2 20.7 28.3 -39.9
-9.4 -8.4 41.2 4.1 25.3 17.2 -34.9
-15.6 6.5 24.4 32.5 -6.3 51.6 -43.6
-42.8 24.7 19.6 24.6 7.8 47.6 -28.0
Percent of families with unrealized capital gains By family structure
90
Percent
80 70 60 50 40 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with unrealized capital gains Year
Single with child(ren)
Level (percent) 1989 44.6 1992 47.7 1995 50.2 1998 50.1 2001 48.7 2004 55.3 2007 52.2 2010 53.6
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
40.6 47.1 49.6 46.9 50.0 51.5 52.2 46.4
63.6 71.4 71.2 70.3 72.3 73.3 72.1 69.7
81.0 77.0 77.6 80.4 81.0 80.4 79.8 77.3
84.5 82.7 80.7 84.1 83.2 84.7 83.3 82.7
7.8 -0.2 -0.9 2.0 1.0 -1.2 -2.4
-4.0 0.6 2.8 0.6 -0.6 -0.6 -2.5
-1.8 -2.0 3.4 -0.9 1.5 -1.4 -0.6
Three-year change (percentage points) 1992 3.1 6.5 1995 2.5 2.5 1998 -0.1 -2.7 2001 -1.4 3.1 2004 6.6 1.5 2007 -3.1 0.7 2010 1.4 -5.8
Median value of unrealized capital gains for families with holdings By family structure
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of unrealized capital gains for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 48.9 24.8 1992 22.7 15.9 1995 28.3 10.0 1998 21.3 16.0 2001 27.6 15.9 2004 31.1 28.8 2007 56.7 26.9 2010 19.0 8.0 Three-year change (percent) 1992 -53.6 1995 24.7 1998 -24.7 2001 29.6 2004 12.7 2007 82.3 2010 -66.5
-35.9 -37.1 60.0 -0.6 81.1 -6.6 -70.3
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
49.8 49.0 53.8 47.2 55.5 66.7 84.8 52.1
48.1 40.9 32.6 37.2 48.2 65.6 77.7 30.1
73.4 54.6 55.2 69.4 70.3 92.1 101.1 59.3
-1.6 9.8 -12.3 17.6 20.2 27.1 -38.6
-15.0 -20.3 14.1 29.6 36.1 18.4 -61.3
-25.6 1.1 25.7 1.3 31.0 9.8 -41.3
Mean value of unrealized capital gains for families with holdings By family structure
Thousands of 2010 dollars
500 400 300 200 100 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of unrealized capital gains for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 127.5 110.3 1992 62.1 73.0 1995 62.3 55.5 1998 97.7 73.3 2001 79.4 106.1 2004 123.3 136.8 2007 157.7 183.3 2010 81.2 41.0 Three-year change (percent) 1992 -51.3 1995 0.3 1998 56.8 2001 -18.7 2004 55.3 2007 27.9 2010 -48.5
-33.8 -24.0 32.1 44.7 28.9 34.0 -77.6
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
120.4 133.3 135.2 149.3 153.0 195.7 224.5 173.5
172.0 166.8 114.4 177.0 247.1 284.7 345.7 222.5
269.2 213.4 219.8 274.6 300.2 346.6 499.9 300.0
10.7 1.4 10.4 2.5 27.9 14.7 -22.7
-3.0 -31.4 54.7 39.6 15.2 21.4 -35.6
-20.7 3.0 24.9 9.3 15.5 44.2 -40.0
Percent of families with unrealized capital gains By education of head
85 80
Percent
75 70 65 60 55 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with unrealized capital gains Year
No high school diploma Level (percent) 1989 63.0 1992 58.0 1995 60.6 1998 54.5 2001 57.7 2004 56.5 2007 54.1 2010 53.9
Education of head High school Some college diploma
Three-year change (percentage points) 1992 -5.0 1995 2.6 1998 -6.1 2001 3.2 2004 -1.2 2007 -2.4 2010 -0.2
College degree
64.3 66.7 68.2 69.3 67.8 68.4 70.6 67.2
71.4 70.2 65.9 70.2 69.9 70.4 67.2 63.7
77.6 78.8 79.6 81.4 84.1 84.8 83.7 81.2
2.4 1.5 1.1 -1.5 0.6 2.2 -3.4
-1.2 -4.3 4.3 -0.3 0.5 -3.2 -3.5
1.2 0.8 1.8 2.7 0.7 -1.1 -2.5
Median value of unrealized capital gains for families with holdings By education of head
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of unrealized capital gains for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 41.9 1992 33.5 1995 28.3 1998 38.7 2001 34.8 2004 37.9 2007 56.5 2010 29.8 Three-year change (percent) 1992 -20.0 1995 -15.5 1998 36.7 2001 -10.1 2004 8.9 2007 49.1 2010 -47.3
Education of head High school Some college diploma
College degree
47.1 30.3 37.5 37.2 41.2 52.9 67.1 38.0
48.9 39.2 32.6 40.9 43.8 61.0 73.3 26.7
75.9 59.1 42.5 51.1 68.6 88.6 109.1 44.3
-35.7 23.8 -0.8 10.8 28.4 26.8 -43.4
-19.8 -16.8 25.5 7.1 39.3 20.2 -63.6
-22.1 -28.1 20.2 34.2 29.2 23.1 -59.4
Mean value of unrealized capital gains for families with holdings By education of head
Thousands of 2010 dollars
600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of unrealized capital gains for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 113.2 1992 81.7 1995 87.4 1998 79.0 2001 95.6 2004 141.0 2007 130.1 2010 69.5 Three-year change (percent) 1992 -27.8 1995 7.0 1998 -9.6 2001 21.0 2004 47.5 2007 -7.7 2010 -46.6
Education of head High school Some college diploma
College degree
110.6 93.8 92.6 112.8 116.3 131.8 174.6 122.3
177.7 143.8 133.9 158.9 160.1 200.7 286.1 140.4
301.6 248.6 205.4 293.1 377.5 401.7 551.3 326.4
-15.2 -1.3 21.8 3.1 13.3 32.5 -30.0
-19.1 -6.9 18.7 0.8 25.4 42.6 -50.9
-17.6 -17.4 42.7 28.8 6.4 37.2 -40.8
Percent of families with unrealized capital gains By race or ethnicity of respondent
80 75
Percent
70 65 60 55 50 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with unrealized capital gains Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 75.4 76.2 75.9 76.7 79.2 80.4 79.7 78.2
Three-year change (percentage points) 1992 0.8 1995 -0.3 1998 0.8 2001 2.5 2004 1.2 2007 -0.7 2010 -1.5
49.2 48.7 48.8 52.2 50.4 53.9 54.8 53.6 -0.5 0.1 3.4 -1.8 3.5 0.9 -1.2
Median value of unrealized capital gains for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of unrealized capital gains for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 59.0 30.4 1992 45.4 31.1 1995 39.7 22.0 1998 47.0 24.1 2001 55.1 27.6 2004 67.2 43.2 2007 85.9 52.4 2010 43.6 24.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-23.1 -12.6 18.4 17.2 22.0 27.8 -49.2
2.3 -29.3 9.5 14.5 56.5 21.3 -53.6
Mean value of unrealized capital gains for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of unrealized capital gains for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 202.1 91.0 1992 168.1 102.6 1995 151.3 70.4 1998 206.7 82.0 2001 250.9 99.5 2004 288.3 149.0 2007 377.8 220.0 2010 244.1 101.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-16.8 -10.0 36.6 21.4 14.9 31.0 -35.4
12.7 -31.4 16.5 21.3 49.7 47.7 -53.7
Percent of families with unrealized capital gains By current work status of head
90 80
Percent
70 60 50 40 30 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with unrealized capital gains Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
67.6 67.4 69.1 69.3 69.4 70.4 71.0 67.1
Three-year change (percentage points) 1992 -0.2 1995 1.7 1998 0.2 2001 0.1 2004 1.0 2007 0.6 2010 -3.9
Other not working
87.0 89.4 84.4 88.4 89.4 88.2 90.2 87.9
73.5 76.1 73.7 74.0 75.7 77.0 74.3 75.3
31.4 34.4 38.0 38.6 45.6 46.5 39.0 47.6
2.4 -5.0 4.0 1.0 -1.2 2.0 -2.3
2.6 -2.4 0.3 1.7 1.3 -2.7 1.0
3.0 3.6 0.6 7.0 0.9 -7.5 8.6
Median value of unrealized capital gains for families with holdings By current work status of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of unrealized capital gains for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 42.2 1992 28.2 1995 25.1 1998 27.3 2001 30.9 2004 49.5 2007 57.7 2010 20.7
134.0 109.9 94.6 133.4 180.7 166.8 251.4 120.0
61.7 53.7 58.7 69.0 67.1 83.2 96.9 66.5
15.2 21.2 21.2 24.7 36.8 27.6 29.9 14.5
Three-year change (percent) 1992 -33.2 1995 -11.0 1998 8.8 2001 13.2 2004 60.2 2007 16.6 2010 -64.1
-18.0 -13.9 41.0 35.5 -7.7 50.7 -52.3
-13.0 9.3 17.5 -2.8 24.0 16.5 -31.4
39.5 0.0 16.5 49.0 -25.0 8.3 -51.5
Mean value of unrealized capital gains for families with holdings By current work status of head
Thousands of 2010 dollars
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of unrealized capital gains for families with holdings Year
Employee
Level (thousands of 2010 dollars) 1989 98.6 1992 90.0 1995 71.0 1998 89.8 2001 102.9 2004 146.6 2007 185.7 2010 88.6 Three-year change (percent) 1992 -8.7 1995 -21.1 1998 26.5 2001 14.6 2004 42.5 2007 26.7 2010 -52.3
Current work status of head Self-employed Retired
Other not working
610.3 489.2 479.0 628.0 754.0 834.0 1196.4 774.0
143.2 128.1 135.6 171.1 213.9 210.2 289.0 175.4
85.0 80.8 66.9 71.9 132.0 107.4 138.0 70.4
-19.8 -2.1 31.1 20.1 10.6 43.5 -35.3
-10.5 5.9 26.2 25.0 -1.7 37.5 -39.3
-4.9 -17.2 7.5 83.6 -18.6 28.5 -49.0
Percent of families with unrealized capital gains By current occupation of head
85
Percent
80 75 70 65 60 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with unrealized capital gains Year
Managerial or professional Level (percent) 1989 79.9 1992 79.7 1995 80.5 1998 81.2 2001 84.3 2004 83.5 2007 84.0 2010 81.1
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 -0.2 1995 0.8 1998 0.7 2001 3.1 2004 -0.8 2007 0.5 2010 -2.9
Retired or other not working
61.6 66.0 66.2 63.8 64.3 64.1 66.1 58.9
70.9 67.6 69.2 71.1 67.3 69.5 68.8 68.6
64.7 66.2 66.4 67.9 70.8 72.3 68.8 69.4
4.4 0.2 -2.4 0.5 -0.2 2.0 -7.2
-3.3 1.6 1.9 -3.8 2.2 -0.7 -0.2
1.5 0.2 1.5 2.9 1.5 -3.5 0.6
Median value of unrealized capital gains for families with holdings By current occupation of head
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of unrealized capital gains for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 81.0 51.6 33.7 1992 62.9 30.3 22.7 1995 49.6 21.2 28.3 1998 47.1 29.1 32.0 2001 72.5 31.6 28.2 2004 92.1 46.0 42.6 2007 102.7 67.1 54.5 2010 42.0 23.5 23.5 Year
Three-year change (percent) 1992 -22.3 1995 -21.1 1998 -5.0 2001 53.9 2004 27.0 2007 11.5 2010 -59.1
-41.3 -30.0 37.3 8.6 45.6 45.9 -65.0
-32.6 24.7 13.1 -11.9 51.1 27.9 -56.9
Retired or other not working 56.5 49.8 52.6 64.0 64.4 76.4 92.2 56.1 -11.9 5.6 21.7 0.6 18.6 20.7 -39.2
Mean value of unrealized capital gains for families with holdings By current occupation of head
Thousands of 2010 dollars
600 500 400 300 200 100 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of unrealized capital gains for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 334.7 155.9 103.5 1992 300.2 118.6 72.8 1995 238.0 110.0 85.9 1998 334.4 140.7 82.5 2001 399.0 129.6 78.7 2004 476.4 162.2 91.6 2007 600.1 219.5 149.8 2010 396.3 98.5 74.3 Year
Three-year change (percent) 1992 -10.3 1995 -20.7 1998 40.5 2001 19.3 2004 19.4 2007 26.0 2010 -34.0
-23.9 -7.3 27.9 -7.9 25.2 35.3 -55.1
-29.7 18.0 -4.0 -4.6 16.4 63.5 -50.4
Retired or other not working 137.3 122.3 127.6 161.7 205.3 199.9 275.7 159.8 -10.9 4.3 26.7 27.0 -2.6 37.9 -42.0
Percent of families with unrealized capital gains By region
80
Percent
75
70
65 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with unrealized capital gains Region Year Northeast Level (percent) 1989 67.4 1992 68.4 1995 68.7 1998 71.9 2001 67.6 2004 74.1 2007 69.1 2010 68.2
Midwest
South
West
72.1 72.5 74.3 75.1 78.4 75.8 73.8 73.9
70.4 69.8 69.1 70.6 74.2 72.1 72.8 70.3
63.7 66.2 67.0 66.5 66.0 70.7 73.0 67.9
0.4 1.8 0.8 3.3 -2.6 -2.0 0.1
-0.6 -0.7 1.5 3.6 -2.1 0.7 -2.5
2.5 0.8 -0.5 -0.5 4.7 2.3 -5.1
Three-year change (percentage points) 1992 1.0 1995 0.3 1998 3.2 2001 -4.3 2004 6.5 2007 -5.0 2010 -0.9
Median value of unrealized capital gains for families with holdings By region
Thousands of 2010 dollars
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of unrealized capital gains for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 101.4 1992 71.0 1995 59.5 1998 40.9 2001 64.9 2004 100.1 2007 120.5 2010 77.0 Three-year change (percent) 1992 -30.0 1995 -16.2 1998 -31.3 2001 58.7 2004 54.2 2007 20.4 2010 -36.1
Midwest
South
West
43.0 36.4 37.5 46.7 49.0 54.1 54.6 23.5
33.7 23.5 25.5 36.0 36.8 43.7 58.4 30.0
83.7 80.9 48.2 52.0 71.1 102.4 138.6 50.0
-15.3 3.0 24.5 4.9 10.4 0.9 -57.0
-30.3 8.5 41.2 2.2 18.8 33.6 -48.6
-3.3 -40.4 7.9 36.7 44.0 35.4 -63.9
Mean value of unrealized capital gains for families with holdings By region
Thousands of 2010 dollars
500
400
300
200
100 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of unrealized capital gains for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 204.8 1992 195.0 1995 176.3 1998 187.2 2001 264.7 2004 339.1 2007 409.6 2010 269.0 Three-year change (percent) 1992 -4.8 1995 -9.6 1998 6.2 2001 41.4 2004 28.1 2007 20.8 2010 -34.3
Midwest
South
West
168.0 123.4 123.1 143.6 177.2 221.7 239.4 149.9
113.0 98.8 111.5 179.2 198.9 177.0 294.9 183.9
305.5 262.3 168.4 247.5 297.7 371.0 477.7 266.6
-26.5 -0.2 16.7 23.4 25.1 8.0 -37.4
-12.6 12.9 60.7 11.0 -11.0 66.6 -37.6
-14.1 -35.8 47.0 20.3 24.6 28.8 -44.2
Percent of families with unrealized capital gains By urbanicity
78 76
Percent
74 72 70 68 66 1989
1992
1995
1998 2001 Year
2004
2007
Metropolitan Statistical Area (MSA)
Non−MSA
Percent of families with unrealized capital gains Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
67.1 68.9 69.0 70.1 71.2 72.7 72.0 69.2
76.2 71.8 74.8 76.4 77.8 74.6 74.2 74.8
Three-year change (percentage points) 1992 1.8 1995 0.1 1998 1.1 2001 1.1 2004 1.5 2007 -0.7 2010 -2.8
2010
-4.4 3.0 1.6 1.4 -3.2 -0.4 0.6
Median value of unrealized capital gains for families with holdings By urbanicity
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of unrealized capital gains for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 59.0 1992 47.0 1995 39.7 1998 43.5 2001 51.0 2004 72.5 2007 85.5 2010 38.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-20.3 -15.5 9.6 17.2 42.2 17.9 -55.6
2010
Non-MSA
35.4 25.8 25.5 33.3 39.8 36.1 49.0 33.3 -27.1 -1.2 30.6 19.5 -9.3 35.7 -32.0
Mean value of unrealized capital gains for families with holdings By urbanicity
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of unrealized capital gains for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 206.3 1992 180.3 1995 151.6 1998 204.6 2001 245.2 2004 293.6 2007 385.3 2010 229.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-12.6 -15.9 35.0 19.8 19.7 31.2 -40.4
2010
Non-MSA
91.3 57.1 69.2 83.4 109.1 99.9 142.6 114.8 -37.5 21.2 20.5 30.8 -8.4 42.7 -19.5
Percent of families with unrealized capital gains By housing status
100
Percent
80 60 40 20 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with unrealized capital gains Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
98.3 97.8 97.5 97.2 97.6 98.0 98.0 97.2
16.6 19.2 19.1 19.7 18.8 17.5 16.2 14.7
Three-year change (percentage points) 1992 -0.5 1995 -0.3 1998 -0.3 2001 0.4 2004 0.4 2007 0.0 2010 -0.8
2.6 -0.1 0.6 -0.9 -1.3 -1.3 -1.5
2010
Median value of unrealized capital gains for families with holdings By housing status
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of unrealized capital gains for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 57.3 1992 45.5 1995 41.8 1998 46.7 2001 55.1 2004 69.0 2007 86.4 2010 40.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-20.6 -8.1 11.7 18.0 25.2 25.2 -53.1
Renter or other 7.4 7.0 5.7 5.4 1.9 2.4 7.3 3.7 -5.4 -18.6 -5.3 -64.8 26.3 204.2 -49.3
2010
Mean value of unrealized capital gains for families with holdings By housing status
Thousands of 2010 dollars
350 300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of unrealized capital gains for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 189.0 1992 163.3 1995 147.9 1998 198.8 2001 238.1 2004 273.2 2007 360.3 2010 217.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-13.6 -9.4 34.4 19.8 14.7 31.9 -39.8
Renter or other 109.4 97.9 51.8 56.4 80.9 90.4 111.3 94.9 -10.5 -47.1 8.9 43.4 11.7 23.1 -14.7
2010
Percent of families with unrealized capital gains By percentile of net worth
100
Percent
80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with unrealized capital gains Year Less than 25 Level (percent) 1989 11.2 1992 13.4 1995 16.8 1998 16.7 2001 17.8 2004 17.7 2007 16.8 2010 23.6
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
69.5 72.1 71.9 74.3 76.7 78.5 78.2 64.2
96.1 94.2 93.0 94.6 95.0 96.9 96.2 94.2
97.8 97.1 96.5 98.3 98.7 99.0 98.0 98.0
99.4 99.3 99.5 99.0 99.3 99.3 98.8 99.8
-1.9 -1.2 1.6 0.4 1.9 -0.7 -2.0
-0.7 -0.6 1.8 0.4 0.3 -1.0 0.0
-0.1 0.2 -0.5 0.3 0.0 -0.5 1.0
Three-year change (percentage points) 1992 2.2 2.6 1995 3.4 -0.2 1998 -0.1 2.4 2001 1.1 2.4 2004 -0.1 1.8 2007 -0.9 -0.3 2010 6.8 -14.0
Median value of unrealized capital gains for families with holdings By percentile of net worth
Thousands of 2010 dollars
800
600
400
200
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of unrealized capital gains for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 -0.9 11.8 1992 -0.4 10.6 1995 0.1 9.9 1998 0.7 13.4 2001 0.0 15.9 2004 1.2 18.2 2007 1.0 24.1 2010 -5.5 7.0 Three-year change (percent) 1992 -55.6 1995 -125.0 1998 600.0 2001 -100.0 2004 . 2007 -16.7 2010 -650.0
-10.2 -6.6 35.4 18.7 14.5 32.4 -71.0
Percentile of net worth 50-74.9
75-89.9
90-100
56.5 45.5 42.5 46.0 56.4 77.1 85.8 42.5
133.2 119.0 92.1 106.7 131.7 166.8 203.3 125.0
429.3 329.1 229.3 332.2 420.3 561.7 707.0 399.8
-19.5 -6.6 8.2 22.6 36.7 11.3 -50.5
-10.7 -22.6 15.9 23.4 26.7 21.9 -38.5
-23.3 -30.3 44.9 26.5 33.6 25.9 -43.5
Mean value of unrealized capital gains for families with holdings By percentile of net worth
Thousands of 2010 dollars
2000
1500
1000
500
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of unrealized capital gains for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 -5.7 14.4 1992 -6.8 14.2 1995 1.2 13.9 1998 1.9 17.6 2001 -0.0 18.3 2004 7.1 24.1 2007 6.0 33.5 2010 -19.7 10.1 Three-year change (percent) 1992 19.3 1995 -117.6 1998 58.3 2001 -100.0 2004 . 2007 -15.5 2010 -428.3
-1.4 -2.1 26.6 4.0 31.7 39.0 -69.9
Percentile of net worth 50-74.9
75-89.9
90-100
58.8 49.4 46.0 52.5 68.2 89.8 100.8 51.1
145.9 117.5 105.4 125.8 166.8 200.6 231.5 143.5
879.2 782.7 686.8 984.0 1186.0 1340.3 1851.1 1131.3
-16.0 -6.9 14.1 29.9 31.7 12.2 -49.3
-19.5 -10.3 19.4 32.6 20.3 15.4 -38.0
-11.0 -12.3 43.3 20.5 13.0 38.1 -38.9
Percent of families with debt For all families
77
Percent
76
75
74
73
72 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with debt All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
72.3 73.2 74.5 74.1 75.1 76.4 77.0 74.9 0.9 1.3 -0.4 1.0 1.3 0.6 -2.1
2007
2010
Median value of debt for families with holdings For all families
Thousands of 2010 dollars
70
60
50
40
30
20 1989
1992
1995
1998 2001 Year
2004
Median value of debt for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 25.3 26.0 30.6 43.3 47.5 63.6 70.6 70.7 2.8 17.7 41.5 9.7 33.9 11.0 0.1
2007
2010
Mean value of debt for families with holdings For all families
Thousands of 2010 dollars
140
120
100
80
60 1989
1992
1995
1998 2001 Year
2004
Mean value of debt for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 60.5 65.3 68.9 84.5 88.8 119.0 132.0 130.7 7.9 5.5 22.6 5.1 34.0 10.9 -1.0
2007
2010
Percent of families with debt By percentile of income
100
Percent
90 80 70 60 50 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 47.1 1992 48.9 1995 49.2 1998 47.3 2001 49.3 2004 52.6 2007 51.7 2010 52.5
20−39.9 80−89.9
Percent of families with debt Percentile of income 20-39.9 40-59.9 60-79.9
59.5 65.8 68.6 66.8 70.2 69.8 70.2 66.8
Three-year change (percentage points) 1992 1.8 6.3 1995 0.3 2.8 1998 -1.9 -1.8 2001 2.0 3.4 2004 3.3 -0.4 2007 -0.9 0.4 2010 0.8 -3.4
2004
2007
2010
40−59.9 90−100
80-89.9
90-100
78.1 79.1 79.4 79.9 82.1 84.0 83.8 81.8
86.2 84.8 87.4 87.3 85.6 86.6 90.9 86.9
93.7 87.5 90.2 89.6 91.4 91.9 89.6 88.9
87.6 87.4 86.1 88.1 85.3 86.3 87.6 84.5
1.0 0.3 0.5 2.2 1.9 -0.2 -2.0
-1.4 2.6 -0.1 -1.7 1.0 4.3 -4.0
-6.2 2.7 -0.6 1.8 0.5 -2.3 -0.7
-0.2 -1.3 2.0 -2.8 1.0 1.3 -3.1
Median value of debt for families with holdings
Thousands of 2010 dollars
By percentile of income
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Median value of debt for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 2.4 8.4 1992 3.3 7.9 1995 4.2 11.9 1998 5.9 13.4 2001 6.3 14.1 2004 8.1 18.5 2007 9.4 18.9 2010 10.1 20.2 Three-year change (percent) 1992 37.5 -6.0 1995 27.3 50.6 1998 40.5 12.6 2001 6.8 5.2 2004 28.6 31.2 2007 16.0 2.2 2010 7.4 6.9
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
19.9 17.4 21.5 34.1 35.6 51.1 57.1 61.4
47.1 47.0 59.4 77.1 76.4 107.5 116.7 106.6
66.3 82.8 90.6 113.8 118.6 156.5 190.9 163.8
124.1 142.2 139.9 168.2 179.4 240.5 246.2 267.2
-12.6 23.6 58.6 4.4 43.5 11.7 7.5
-0.2 26.4 29.8 -0.9 40.7 8.6 -8.7
24.9 9.4 25.6 4.2 32.0 22.0 -14.2
14.6 -1.6 20.2 6.7 34.1 2.4 8.5
Mean value of debt for families with holdings By percentile of income
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Mean value of debt for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 8.8 21.2 1992 15.3 23.1 1995 17.6 27.6 1998 19.6 32.4 2001 20.5 34.0 2004 28.3 48.2 2007 33.4 45.9 2010 49.8 52.1 Three-year change (percent) 1992 73.9 9.0 1995 15.0 19.5 1998 11.4 17.4 2001 4.6 4.9 2004 38.0 41.8 2007 18.0 -4.8 2010 49.1 13.5
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
37.0 40.7 44.2 54.9 57.6 80.4 84.3 87.7
66.1 66.5 74.6 94.3 92.7 125.3 146.5 129.4
86.3 94.2 106.6 121.7 135.7 180.0 216.4 190.1
172.6 197.7 187.8 229.8 260.2 341.1 361.1 378.1
10.0 8.6 24.2 4.9 39.6 4.9 4.0
0.6 12.2 26.4 -1.7 35.2 16.9 -11.7
9.2 13.2 14.2 11.5 32.6 20.2 -12.2
14.5 -5.0 22.4 13.2 31.1 5.9 4.7
Percent of families with debt By age of head
100
Percent
80
60
40
20 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 80.0 1992 81.5 1995 83.5 1998 81.2 2001 82.7 2004 79.8 2007 83.6 2010 77.8
35−44 65−74
Percent of families with debt Age of head 35-44 45-54 55-64
88.6 86.3 87.0 87.6 88.6 88.6 86.2 86.0
Three-year change (percentage points) 1992 1.5 -2.3 1995 2.0 0.7 1998 -2.3 0.6 2001 1.5 1.0 2004 -2.9 0.0 2007 3.8 -2.4 2010 -5.8 -0.2
2004
2007
2010
45−54 75 or older
65-74
75 or older
85.3 85.4 86.3 87.0 84.6 88.4 86.8 84.1
70.8 70.1 73.7 76.4 75.4 76.3 81.8 77.7
49.6 51.4 53.4 51.4 56.8 58.8 65.5 65.2
21.0 31.6 28.4 24.6 29.2 40.3 31.4 38.5
0.1 0.9 0.7 -2.4 3.8 -1.6 -2.7
-0.7 3.6 2.7 -1.0 0.9 5.5 -4.1
1.8 2.0 -2.0 5.4 2.0 6.7 -0.3
10.6 -3.2 -3.8 4.6 11.1 -8.9 7.1
Median value of debt for families with holdings By age of head
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of debt for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 19.2 50.7 1992 15.8 54.5 1995 21.3 52.5 1998 25.7 74.2 2001 30.5 75.4 2004 38.7 100.3 2007 37.9 111.2 2010 39.6 108.0 Three-year change (percent) 1992 -17.7 7.5 1995 34.8 -3.7 1998 20.7 41.3 2001 18.7 1.6 2004 26.9 33.0 2007 -2.1 10.9 2010 4.5 -2.9
Age of head 45-54 55-64
65-74
75 or older
39.9 40.9 55.4 64.2 66.5 95.8 100.5 91.8
16.1 29.0 29.7 45.6 42.4 55.2 63.2 76.9
8.4 7.3 10.0 15.9 16.1 28.8 42.0 45.0
4.7 3.6 2.7 10.7 6.1 17.7 13.6 30.0
2.5 35.5 15.9 3.6 44.1 4.9 -8.7
80.1 2.4 53.5 -7.0 30.2 14.5 21.7
-13.1 37.0 59.0 1.3 78.9 45.8 7.1
-23.4 -25.0 296.3 -43.0 190.2 -23.2 120.6
Mean value of debt for families with holdings By age of head
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
2004
35−44 65−74
2007
2010
45−54 75 or older
Mean value of debt for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 53.5 81.0 1992 50.4 86.4 1995 52.9 81.9 1998 60.7 100.0 2001 67.8 104.7 2004 91.9 136.9 2007 105.5 155.0 2010 89.6 150.4 Three-year change (percent) 1992 -5.8 6.7 1995 5.0 -5.2 1998 14.7 22.1 2001 11.7 4.7 2004 35.5 30.8 2007 14.8 13.2 2010 -15.1 -3.0
Age of head 45-54 55-64
65-74
75 or older
70.4 80.7 94.0 103.8 109.5 148.2 155.6 166.8
53.8 64.0 71.8 91.7 91.7 130.7 137.7 139.6
25.3 36.0 38.5 60.3 64.3 73.9 112.8 109.6
20.7 26.9 16.1 37.1 36.2 62.1 47.3 71.9
14.6 16.5 10.4 5.5 35.3 5.0 7.2
19.0 12.2 27.7 0.0 42.5 5.4 1.4
42.3 6.9 56.6 6.6 14.9 52.6 -2.8
30.0 -40.1 130.4 -2.4 71.5 -23.8 52.0
Percent of families with debt By family structure
90
Percent
80 70 60 50 40 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
Year
Single with child(ren)
Level (percent) 1989 71.0 1992 75.6 1995 74.4 1998 70.9 2001 73.6 2004 77.9 2007 78.0 2010 73.5
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with debt Family structure Single, no Single, no Couple with child, child, child(ren) age<55 age≥55 70.7 72.7 78.6 76.3 76.7 77.8 76.9 73.3
Three-year change (percentage points) 1992 4.6 2.0 1995 -1.2 5.9 1998 -3.5 -2.3 2001 2.7 0.4 2004 4.3 1.1 2007 0.1 -0.9 2010 -4.5 -3.6
2010
Couple, no child
37.2 39.9 41.5 38.2 43.3 47.9 48.2 52.2
91.5 91.0 89.2 91.0 90.4 90.1 91.1 87.5
66.7 69.6 71.6 71.7 72.9 74.3 76.0 74.5
2.7 1.6 -3.3 5.1 4.6 0.3 4.0
-0.5 -1.8 1.8 -0.6 -0.3 1.0 -3.6
2.9 2.0 0.1 1.2 1.4 1.7 -1.5
Median value of debt for families with holdings
Thousands of 2010 dollars
By family structure
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of debt for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 10.8 10.8 1992 11.1 13.0 1995 17.5 16.3 1998 13.7 17.3 2001 25.0 18.2 2004 40.3 25.0 2007 31.1 32.5 2010 30.2 34.8 Three-year change (percent) 1992 2.8 1995 57.7 1998 -21.7 2001 82.5 2004 61.2 2007 -22.8 2010 -2.9
20.4 25.4 6.1 5.2 37.4 30.0 7.1
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
4.6 6.2 5.4 13.6 12.5 18.7 15.9 28.0
48.7 56.7 68.7 82.0 94.2 115.1 126.8 112.8
24.2 25.8 30.8 45.6 45.3 63.3 74.2 72.5
34.8 -12.9 151.9 -8.1 49.6 -15.0 76.1
16.4 21.2 19.4 14.9 22.2 10.2 -11.0
6.6 19.4 48.1 -0.7 39.7 17.2 -2.3
Mean value of debt for families with holdings By family structure
Thousands of 2010 dollars
200 150 100 50 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of debt for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 34.6 39.5 1992 35.8 39.0 1995 39.1 40.8 1998 46.2 50.3 2001 53.6 46.6 2004 71.9 70.8 2007 80.8 78.1 2010 85.3 84.0 Three-year change (percent) 1992 3.5 1995 9.2 1998 18.2 2001 16.0 2004 34.1 2007 12.4 2010 5.6
-1.3 4.6 23.3 -7.4 51.9 10.3 7.6
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
19.0 27.6 30.4 52.1 46.2 55.8 53.4 67.7
77.8 92.7 97.3 111.5 124.3 160.1 181.8 176.4
67.2 63.7 70.2 90.0 90.2 133.5 141.4 137.6
45.3 10.1 71.4 -11.3 20.8 -4.3 26.8
19.2 5.0 14.6 11.5 28.8 13.6 -3.0
-5.2 10.2 28.2 0.2 48.0 5.9 -2.7
Percent of families with debt By education of head
85 80
Percent
75 70 65 60 55 1989
1992
1995
1998 2001 Year
No high school diploma Some college
Year
No high school diploma Level (percent) 1989 55.6 1992 52.7 1995 54.6 1998 52.9 2001 55.8 2004 53.4 2007 55.5 2010 56.4
2004
2010
High school diploma College degree
Percent of families with debt Education of head High school Some college diploma
Three-year change (percentage points) 1992 -2.9 1995 1.9 1998 -1.7 2001 2.9 2004 -2.4 2007 2.1 2010 0.9
2007
College degree
70.3 73.8 74.7 69.7 73.9 73.2 75.1 70.6
82.7 78.2 81.1 82.0 80.6 84.2 80.8 80.2
83.3 83.0 82.2 84.3 82.4 84.3 85.1 82.0
3.5 0.9 -5.0 4.2 -0.7 1.9 -4.5
-4.5 2.9 0.9 -1.4 3.6 -3.4 -0.6
-0.3 -0.8 2.1 -1.9 1.9 0.8 -3.1
Median value of debt for families with holdings By education of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of debt for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 8.8 1992 7.8 1995 11.8 1998 12.9 2001 14.7 2004 13.8 2007 20.4 2010 17.6 Three-year change (percent) 1992 -11.4 1995 51.3 1998 9.3 2001 14.0 2004 -6.1 2007 47.8 2010 -13.7
Education of head High school Some college diploma
College degree
18.6 16.8 25.9 32.2 31.5 35.7 41.9 42.8
26.9 27.6 26.6 58.8 45.3 51.8 57.0 59.7
59.6 62.8 68.5 80.0 95.6 123.3 130.3 127.0
-9.7 54.2 24.3 -2.2 13.3 17.4 2.1
2.6 -3.6 121.1 -23.0 14.3 10.0 4.7
5.4 9.1 16.8 19.5 29.0 5.7 -2.5
Mean value of debt for families with holdings By education of head
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of debt for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 26.0 1992 24.2 1995 29.6 1998 31.0 2001 35.3 2004 47.8 2007 59.8 2010 50.2 Three-year change (percent) 1992 -6.9 1995 22.3 1998 4.7 2001 13.9 2004 35.4 2007 25.1 2010 -16.1
Education of head High school Some college diploma
College degree
43.3 42.6 52.1 55.9 57.8 74.2 90.3 81.4
61.2 60.4 59.9 84.4 77.3 101.9 112.2 103.2
97.0 103.5 106.0 123.9 138.0 177.8 194.1 198.4
-1.6 22.3 7.3 3.4 28.4 21.7 -9.9
-1.3 -0.8 40.9 -8.4 31.8 10.1 -8.0
6.7 2.4 16.9 11.4 28.8 9.2 2.2
Percent of families with debt By race or ethnicity of respondent
78
Percent
76 74 72 70 68 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with debt Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 73.3 74.3 75.4 74.8 75.8 78.0 76.8 75.9
Three-year change (percentage points) 1992 1.0 1995 1.1 1998 -0.6 2001 1.0 2004 2.2 2007 -1.2 2010 -0.9
69.4 70.1 71.6 71.5 73.0 72.5 77.7 73.0 0.7 1.5 -0.1 1.5 -0.5 5.2 -4.7
Median value of debt for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of debt for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 31.2 12.1 1992 33.0 10.7 1995 37.5 15.0 1998 53.0 20.7 2001 54.9 24.5 2004 80.0 35.1 2007 80.1 46.0 2010 85.0 40.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
5.8 13.6 41.3 3.6 45.7 0.1 6.1
-11.6 40.2 38.0 18.4 43.3 31.1 -13.0
Mean value of debt for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
140 120 100 80 60 40 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of debt for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 65.9 43.6 1992 71.6 44.9 1995 74.3 49.1 1998 92.3 57.6 2001 97.8 60.4 2004 129.0 90.9 2007 139.4 114.4 2010 145.5 98.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
8.6 3.8 24.2 6.0 31.9 8.1 4.4
3.0 9.4 17.3 4.9 50.5 25.9 -13.7
Percent of families with debt By current work status of head
90
Percent
80 70 60 50 40 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
2004
Three-year change (percentage points) 1992 -0.8 1995 1.8 1998 -0.6 2001 -0.3 2004 -0.4 2007 0.1 2010 -2.3
2010
Self−employed Other not working
Percent of families with debt Current work status of head Self-employed Retired
86.4 85.6 87.4 86.8 86.5 86.1 86.2 83.9
2007
Other not working
80.1 85.1 81.2 84.6 81.7 81.5 86.8 82.0
40.2 45.1 44.9 39.9 44.1 50.7 52.3 51.0
59.9 64.3 62.9 65.5 62.5 70.4 69.9 75.1
5.0 -3.9 3.4 -2.9 -0.2 5.3 -4.8
4.9 -0.2 -5.0 4.2 6.6 1.6 -1.3
4.4 -1.4 2.6 -3.0 7.9 -0.5 5.2
Median value of debt for families with holdings
Thousands of 2010 dollars
By current work status of head
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of debt for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 32.9 1992 32.0 1995 40.6 1998 46.9 2001 52.1 2004 82.7 2007 86.0 2010 85.0
44.2 65.2 56.7 85.9 94.2 107.5 128.5 118.0
8.4 8.4 8.5 14.0 12.0 17.7 21.0 30.0
5.1 6.9 10.9 16.8 41.5 24.2 22.9 21.1
Three-year change (percent) 1992 -2.7 1995 26.9 1998 15.5 2001 11.1 2004 58.7 2007 4.0 2010 -1.2
47.5 -13.0 51.5 9.7 14.1 19.5 -8.2
0.0 1.2 64.7 -14.3 47.5 18.6 42.9
35.3 58.0 54.1 147.0 -41.7 -5.4 -7.9
Mean value of debt for families with holdings By current work status of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of debt for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 62.3 1992 65.8 1995 72.7 1998 81.1 2001 85.9 2004 119.8 2007 133.2 2010 130.4
106.7 126.5 112.1 147.1 161.7 201.7 236.4 238.8
25.3 27.9 31.4 52.7 39.8 58.4 68.2 74.4
24.8 35.5 35.6 50.8 71.8 81.5 78.4 75.5
Three-year change (percent) 1992 5.6 1995 10.5 1998 11.6 2001 5.9 2004 39.5 2007 11.2 2010 -2.1
18.6 -11.4 31.2 9.9 24.7 17.2 1.0
10.3 12.5 67.8 -24.5 46.7 16.8 9.1
43.1 0.3 42.7 41.3 13.5 -3.8 -3.7
Percent of families with debt By current occupation of head
90
Percent
80 70 60 50 40 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
Year
Managerial or professional Level (percent) 1989 90.9 1992 88.7 1995 87.7 1998 90.1 2001 88.4 2004 89.3 2007 90.9 2010 87.4
2004
2010
Technical, sales, or services Retired or other not working
Percent of families with debt Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 -2.2 1995 -1.0 1998 2.4 2001 -1.7 2004 0.9 2007 1.6 2010 -3.5
2007
Retired or other not working
82.1 85.8 85.2 82.8 83.6 81.5 81.8 79.6
83.5 81.7 86.6 86.0 84.6 84.0 84.9 82.7
44.3 49.7 48.6 44.4 47.1 53.7 55.0 56.2
3.7 -0.6 -2.4 0.8 -2.1 0.3 -2.2
-1.8 4.9 -0.6 -1.4 -0.6 0.9 -2.2
5.4 -1.1 -4.2 2.7 6.6 1.3 1.2
Median value of debt for families with holdings By current occupation of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of debt for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 67.5 19.9 26.4 1992 71.1 26.7 27.1 1995 86.4 32.6 30.2 1998 88.0 40.2 38.7 2001 99.0 39.9 40.1 2004 133.4 49.9 59.1 2007 144.1 69.0 67.2 2010 137.0 56.7 63.5 Year
Three-year change (percent) 1992 5.3 1995 21.5 1998 1.9 2001 12.5 2004 34.7 2007 8.0 2010 -4.9
34.2 22.1 23.3 -0.7 25.1 38.3 -17.8
2.7 11.4 28.1 3.6 47.4 13.7 -5.5
Retired or other not working 6.8 7.7 8.8 14.0 13.2 18.6 21.0 28.2 13.2 14.3 59.1 -5.7 40.9 12.9 34.3
Mean value of debt for families with holdings By current occupation of head
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of debt for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 102.3 55.3 49.2 1992 112.4 58.5 54.0 1995 120.8 66.7 54.8 1998 126.9 80.2 64.6 2001 144.2 75.0 61.4 2004 190.8 94.5 89.8 2007 202.1 120.0 102.5 2010 210.4 107.3 96.4 Year
Three-year change (percent) 1992 9.9 1995 7.5 1998 5.0 2001 13.6 2004 32.3 2007 5.9 2010 4.1
5.8 14.0 20.2 -6.5 26.0 27.0 -10.6
9.8 1.5 17.9 -5.0 46.3 14.1 -6.0
Retired or other not working 25.2 30.2 32.5 52.7 46.7 63.1 70.2 74.7 19.8 7.6 62.2 -11.4 35.1 11.3 6.4
Percent of families with debt By region
85
Percent
80
75
70
65 1989
1992
1995
1998 2001 Year
Northeast West
Year Northeast Level (percent) 1989 69.0 1992 70.5 1995 71.9 1998 69.8 2001 67.0 2004 76.3 2007 73.3 2010 74.8
2004
Midwest
2010
South
Percent of families with debt Region Midwest South
Three-year change (percentage points) 1992 1.5 1995 1.4 1998 -2.1 2001 -2.8 2004 9.3 2007 -3.0 2010 1.5
2007
West
68.3 72.5 73.3 71.9 77.5 75.4 78.3 76.4
73.4 73.3 76.2 74.3 76.8 75.0 75.3 73.6
78.6 76.6 75.6 79.8 76.9 79.9 81.6 75.9
4.2 0.8 -1.4 5.6 -2.1 2.9 -1.9
-0.1 2.9 -1.9 2.5 -1.8 0.3 -1.7
-2.0 -1.0 4.2 -2.9 3.0 1.7 -5.7
Median value of debt for families with holdings By region
Thousands of 2010 dollars
100
80
60
40
20 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of debt for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 25.2 1992 36.5 1995 29.8 1998 60.6 2001 45.1 2004 62.9 2007 69.8 2010 73.0 Three-year change (percent) 1992 44.8 1995 -18.4 1998 103.4 2001 -25.6 2004 39.5 2007 11.0 2010 4.6
Midwest
South
West
27.8 26.0 34.1 47.2 49.9 79.0 64.1 70.5
20.1 21.3 26.3 36.8 43.9 46.4 63.8 59.6
47.0 29.1 40.2 42.3 47.8 89.3 100.1 92.3
-6.5 31.2 38.4 5.7 58.3 -18.9 10.0
6.0 23.5 39.9 19.3 5.7 37.5 -6.6
-38.1 38.1 5.2 13.0 86.8 12.1 -7.8
Mean value of debt for families with holdings By region
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of debt for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 70.5 1992 72.7 1995 76.9 1998 88.3 2001 94.0 2004 126.2 2007 135.8 2010 142.3 Three-year change (percent) 1992 3.1 1995 5.8 1998 14.8 2001 6.5 2004 34.3 2007 7.6 2010 4.8
Midwest
South
West
50.3 59.9 61.4 75.5 80.9 111.9 105.6 112.9
47.4 52.0 56.8 74.9 77.0 95.9 116.6 110.1
82.9 85.6 90.2 105.4 113.0 155.8 178.9 172.6
19.1 2.5 23.0 7.2 38.3 -5.6 6.9
9.7 9.2 31.9 2.8 24.5 21.6 -5.6
3.3 5.4 16.9 7.2 37.9 14.8 -3.5
Percent of families with debt By urbanicity
78 76
Percent
74 72 70 68 66 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Percent of families with debt Urbanicity Metropolitan Statistical Area (MSA) 73.8 74.4 75.7 75.4 75.8 76.8 77.4 75.8
Three-year change (percentage points) 1992 0.6 1995 1.3 1998 -0.3 2001 0.4 2004 1.0 2007 0.6 2010 -1.6
2004
2007
2010
Non−MSA
Non-MSA
65.9 67.9 67.4 66.1 70.9 74.7 75.1 70.7 2.0 -0.5 -1.3 4.8 3.8 0.4 -4.4
Median value of debt for families with holdings By urbanicity
Thousands of 2010 dollars
80 70 60 50 40 30 20 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
2007
Non−MSA
Median value of debt for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 27.9 1992 29.2 1995 34.1 1998 46.7 2001 49.2 2004 79.4 2007 81.8 2010 80.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
4.7 16.8 37.0 5.4 61.4 3.0 -2.0
2010
Non-MSA
17.9 16.3 18.8 33.3 30.6 30.2 31.2 40.0 -8.9 15.3 77.1 -8.1 -1.3 3.3 28.2
Mean value of debt for families with holdings By urbanicity
Thousands of 2010 dollars
140 120 100 80 60 40 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
2007
Non−MSA
Mean value of debt for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 64.5 1992 71.7 1995 73.7 1998 89.4 2001 94.1 2004 131.1 2007 144.3 2010 141.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
11.2 2.8 21.3 5.3 39.3 10.1 -2.1
2010
Non-MSA
41.3 34.3 37.8 52.0 53.5 58.7 70.3 76.7 -16.9 10.2 37.6 2.9 9.7 19.8 9.1
Percent of families with debt By housing status
85
Percent
80 75 70 65 60 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Three-year change (percentage points) 1992 0.2 1995 1.1 1998 -0.2 2001 0.5 2004 2.4 2007 0.1 2010 -1.0
2007
Renter or other
Percent of families with debt Housing status Owner 78.3 78.5 79.6 79.4 79.9 82.3 82.4 81.4
2004
Renter or other 61.8 64.0 65.3 63.5 65.0 63.4 65.4 61.6 2.2 1.3 -1.8 1.5 -1.6 2.0 -3.8
2010
Median value of debt for families with holdings By housing status
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of debt for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 52.8 1992 54.9 1995 64.4 1998 80.4 2001 84.9 2004 110.2 2007 116.4 2010 110.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
4.0 17.3 24.8 5.6 29.8 5.6 -4.8
Renter or other 5.2 5.3 6.8 8.0 7.4 9.0 9.6 9.6 1.9 28.3 17.6 -7.5 21.6 6.7 0.0
2010
Mean value of debt for families with holdings By housing status
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of debt for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 82.1 1992 88.8 1995 92.4 1998 111.6 2001 116.6 2004 153.3 2007 170.9 2010 169.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
8.2 4.1 20.8 4.5 31.5 11.5 -1.0
Renter or other 12.1 14.2 16.5 17.9 17.2 19.6 24.7 25.8 17.4 16.2 8.5 -3.9 14.0 26.0 4.5
2010
Percent of families with debt By percentile of net worth
85
Percent
80 75 70 65 60 1989
1992
1995 Less than 25 75−89.9
Year Less than 25 Level (percent) 1989 60.7 1992 64.8 1995 66.5 1998 65.6 2001 68.7 2004 64.9 2007 68.8 2010 69.2
1998 2001 Year 25−49.9 90−100
Percent of families with debt Percentile of net worth 25-49.9 50-74.9 78.1 79.3 81.4 81.3 80.9 83.8 82.5 78.8
Three-year change (percentage points) 1992 4.1 1.2 1995 1.7 2.1 1998 -0.9 -0.1 2001 3.1 -0.4 2004 -3.8 2.9 2007 3.9 -1.3 2010 0.4 -3.7
2004
2007
2010
50−74.9
75-89.9
90-100
77.3 77.3 79.5 76.8 78.0 83.2 80.3 80.3
76.0 71.3 70.5 70.1 75.0 74.6 76.8 72.2
68.7 72.0 70.8 76.0 69.7 72.7 76.1 70.4
0.0 2.2 -2.7 1.2 5.2 -2.9 0.0
-4.7 -0.8 -0.4 4.9 -0.4 2.2 -4.6
3.3 -1.2 5.2 -6.3 3.0 3.4 -5.7
Median value of debt for families with holdings By percentile of net worth
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of debt for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 5.3 19.3 1992 6.6 22.4 1995 8.8 30.0 1998 11.0 38.4 2001 10.7 47.2 2004 13.0 50.6 2007 12.4 67.3 2010 20.4 55.3 Three-year change (percent) 1992 24.5 1995 33.3 1998 25.0 2001 -2.7 2004 21.5 2007 -4.6 2010 64.5
16.1 33.9 28.0 22.9 7.2 33.0 -17.8
Percentile of net worth 50-74.9
75-89.9
90-100
47.6 45.9 52.2 61.4 73.2 103.9 102.9 85.9
53.4 49.7 49.4 86.7 98.0 126.6 133.0 100.7
84.3 115.4 104.8 127.2 151.9 219.5 215.2 232.8
-3.6 13.7 17.6 19.2 41.9 -1.0 -16.5
-6.9 -0.6 75.5 13.0 29.2 5.1 -24.3
36.9 -9.2 21.4 19.4 44.5 -2.0 8.2
Mean value of debt for families with holdings By percentile of net worth
Thousands of 2010 dollars
400
300
200
100
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of debt for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 18.6 38.4 1992 20.2 45.8 1995 26.4 55.0 1998 34.5 61.2 2001 27.8 62.0 2004 36.8 76.3 2007 43.8 95.5 2010 83.0 82.2 Three-year change (percent) 1992 8.6 1995 30.7 1998 30.7 2001 -19.4 2004 32.4 2007 19.0 2010 89.5
19.3 20.1 11.3 1.3 23.1 25.2 -13.9
Percentile of net worth 50-74.9
75-89.9
90-100
66.4 68.1 75.1 83.0 93.2 128.5 138.0 115.2
85.7 85.4 81.8 117.4 124.4 157.7 170.4 159.1
157.6 182.8 172.1 213.1 247.1 338.1 356.5 383.8
2.6 10.3 10.5 12.3 37.9 7.4 -16.5
-0.4 -4.2 43.5 6.0 26.8 8.1 -6.6
16.0 -5.9 23.8 16.0 36.8 5.4 7.7
Percent of families with home−secured debt For all families
48
Percent
46
44
42
40
38 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with home-secured debt All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
39.5 39.1 41.0 43.1 44.6 47.9 48.7 47.0 -0.4 1.9 2.1 1.5 3.3 0.8 -1.7
2007
2010
Median value of home−secured debt for families with holdings For all families
Thousands of 2010 dollars
110 100 90 80 70 60 50 1989
1992
1995
1998 2001 Year
2004
2007
Median value of home-secured debt for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 54.0 65.2 72.4 82.7 85.8 109.3 112.1 109.6 20.7 11.0 14.2 3.7 27.4 2.6 -2.2
2010
Mean value of home−secured debt for families with holdings For all families
Thousands of 2010 dollars
160
140
120
100
80 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of home-secured debt for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 76.5 88.1 91.6 103.7 112.4 142.7 156.1 154.3 15.2 4.0 13.2 8.4 27.0 9.4 -1.2
2010
Percent of families with home−secured debt By percentile of income
80
Percent
60
40
20
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 7.6 1992 10.4 1995 10.4 1998 11.2 2001 13.8 2004 15.9 2007 14.9 2010 14.8
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with home-secured debt Percentile of income 20-39.9 40-59.9 60-79.9 80-89.9
23.4 21.2 25.9 23.9 27.0 29.6 29.6 29.6
Three-year change (percentage points) 1992 2.8 -2.2 1995 0.0 4.7 1998 0.8 -2.0 2001 2.6 3.1 2004 2.1 2.6 2007 -1.0 0.0 2010 -0.1 0.0
2010
90-100
37.8 36.1 38.2 43.7 44.4 51.6 50.5 51.6
56.4 56.8 59.1 63.5 61.8 65.8 69.7 65.4
70.0 67.3 69.8 73.6 76.9 76.8 80.8 74.5
74.2 74.7 72.9 73.0 75.4 76.2 76.4 72.8
-1.7 2.1 5.5 0.7 7.2 -1.1 1.1
0.4 2.3 4.4 -1.7 4.0 3.9 -4.3
-2.7 2.5 3.8 3.3 -0.1 4.0 -6.3
0.5 -1.8 0.1 2.4 0.8 0.2 -3.6
Median value of home−secured debt for families with holdings By percentile of income
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of home-secured debt for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 11.8 21.9 1992 22.2 30.6 1995 26.2 38.9 1998 33.4 49.4 2001 34.3 49.0 2004 42.6 62.1 2007 41.9 53.4 2010 54.6 65.5 Three-year change (percent) 1992 88.1 39.7 1995 18.0 27.1 1998 27.5 27.0 2001 2.7 -0.8 2004 24.2 26.7 2007 -1.6 -14.0 2010 30.3 22.7
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
35.4 47.0 52.4 58.7 68.8 88.8 92.9 90.0
62.4 66.7 80.7 86.7 92.6 111.6 120.5 116.6
70.8 85.4 92.1 107.3 111.5 153.0 171.8 158.0
118.1 126.6 128.9 156.1 164.2 212.9 210.6 241.0
32.8 11.5 12.0 17.2 29.1 4.6 -3.1
6.9 21.0 7.4 6.8 20.5 8.0 -3.2
20.6 7.8 16.5 3.9 37.2 12.3 -8.0
7.2 1.8 21.1 5.2 29.7 -1.1 14.4
Mean value of home−secured debt for families with holdings By percentile of income
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of home-secured debt for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 22.0 33.9 1992 41.5 45.2 1995 43.9 48.9 1998 44.6 58.2 2001 45.2 56.8 2004 57.6 78.6 2007 70.5 71.6 2010 90.3 81.9 Three-year change (percent) 1992 88.6 33.3 1995 5.8 8.2 1998 1.6 19.0 2001 1.3 -2.4 2004 27.4 38.4 2007 22.4 -8.9 2010 28.1 14.4
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
47.6 57.6 62.7 69.0 77.1 100.4 107.6 105.9
72.4 76.0 85.6 94.1 99.6 130.3 145.2 135.9
83.8 96.4 107.6 114.8 127.9 174.6 192.0 177.6
143.3 165.7 160.3 198.6 223.6 274.8 301.1 317.0
21.0 8.9 10.0 11.7 30.2 7.2 -1.6
5.0 12.6 9.9 5.8 30.8 11.4 -6.4
15.0 11.6 6.7 11.4 36.5 10.0 -7.5
15.6 -3.3 23.9 12.6 22.9 9.6 5.3
Percent of families with home−secured debt By age of head
70 60
Percent
50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 34.9 1992 30.9 1995 33.0 1998 33.2 2001 35.7 2004 37.7 2007 37.3 2010 34.0
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with home-secured debt Age of head 35-44 45-54 55-64 65-74
57.9 55.5 54.3 58.7 59.6 62.8 59.5 57.6
Three-year change (percentage points) 1992 -4.0 -2.4 1995 2.1 -1.2 1998 0.2 4.4 2001 2.5 0.9 2004 2.0 3.2 2007 -0.4 -3.3 2010 -3.3 -1.9
2010
75 or older
58.3 61.4 61.8 58.8 59.8 64.6 65.5 60.4
37.0 40.8 45.2 49.4 49.0 51.0 55.3 53.6
21.7 18.5 24.7 26.0 32.0 32.1 42.9 40.5
6.3 8.6 6.8 11.5 9.5 18.7 13.9 24.2
3.1 0.4 -3.0 1.0 4.8 0.9 -5.1
3.8 4.4 4.2 -0.4 2.0 4.3 -1.7
-3.2 6.2 1.3 6.0 0.1 10.8 -2.4
2.3 -1.8 4.7 -2.0 9.2 -4.8 10.3
Median value of home−secured debt for families with holdings By age of head
Thousands of 2010 dollars
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of home-secured debt for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 74.2 67.5 1992 77.3 83.4 1995 87.8 85.0 1998 94.7 93.4 2001 94.4 98.0 2004 123.1 126.6 2007 141.8 134.1 2010 120.0 139.9 Three-year change (percent) 1992 4.2 23.6 1995 13.6 1.9 1998 7.9 9.9 2001 -0.3 4.9 2004 30.4 29.2 2007 15.2 5.9 2010 -15.4 4.3
Age of head 45-54 55-64
65-74
75 or older
43.9 60.6 69.4 89.4 91.9 111.6 115.2 114.0
33.7 45.5 52.4 64.0 67.4 95.5 89.1 97.0
15.4 25.8 26.9 34.7 47.8 58.7 72.3 70.0
11.8 42.4 16.6 28.3 54.9 35.6 41.9 52.0
38.0 14.5 28.8 2.8 21.4 3.2 -1.0
35.0 15.2 22.1 5.3 41.7 -6.7 8.9
67.5 4.3 29.0 37.8 22.8 23.2 -3.2
259.3 -60.8 70.5 94.0 -35.2 17.7 24.1
Mean value of home−secured debt for families with holdings By age of head
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of home-secured debt for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 91.2 90.4 1992 96.3 105.4 1995 94.1 104.0 1998 100.4 115.1 2001 111.5 121.8 2004 146.6 156.4 2007 174.5 172.7 2010 143.7 178.7 Three-year change (percent) 1992 5.6 16.6 1995 -2.3 -1.3 1998 6.7 10.7 2001 11.1 5.8 2004 31.5 28.4 2007 19.0 10.4 2010 -17.7 3.5
Age of head 45-54 55-64
65-74
75 or older
66.3 82.1 96.1 111.2 123.0 155.4 159.6 172.1
62.8 68.2 79.8 96.4 98.7 136.0 143.3 147.4
27.9 50.9 51.8 68.2 79.7 88.4 122.7 122.9
33.4 52.1 34.1 48.6 63.4 70.9 76.2 79.6
23.8 17.1 15.7 10.6 26.3 2.7 7.8
8.6 17.0 20.8 2.4 37.8 5.4 2.9
82.4 1.8 31.7 16.9 10.9 38.8 0.2
56.0 -34.5 42.5 30.5 11.8 7.5 4.5
Percent of families with home−secured debt By family structure
70
Percent
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with home-secured debt Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 30.8 19.6 15.0 63.3 1992 29.0 25.9 13.6 63.7 1995 32.2 27.2 12.4 63.5 1998 29.2 25.0 18.4 67.1 2001 35.5 25.8 19.3 67.8 2004 43.7 32.8 22.2 68.4 2007 38.3 35.0 22.0 69.0 2010 36.0 31.8 29.0 64.9 Three-year change (percentage points) 1992 -1.8 6.3 1995 3.2 1.3 1998 -3.0 -2.2 2001 6.3 0.8 2004 8.2 7.0 2007 -5.4 2.2 2010 -2.3 -3.2
2010
-1.4 -1.2 6.0 0.9 2.9 -0.2 7.0
0.4 -0.2 3.6 0.7 0.6 0.6 -4.1
Couple, no child
35.7 35.5 40.9 43.5 44.7 48.2 51.3 49.5 -0.2 5.4 2.6 1.2 3.5 3.1 -1.8
Median value of home−secured debt for families with holdings By family structure
Thousands of 2010 dollars
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of home-secured debt for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 42.2 69.2 1992 47.0 60.6 1995 56.7 71.4 1998 60.0 76.0 2001 67.0 73.5 2004 85.9 102.4 2007 97.4 102.7 2010 96.0 110.0 Three-year change (percent) 1992 11.4 1995 20.6 1998 5.8 2001 11.7 2004 28.2 2007 13.4 2010 -1.4
-12.4 17.8 6.4 -3.3 39.3 0.3 7.1
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
15.5 39.4 29.7 53.4 61.3 55.2 53.4 64.0
61.1 80.4 85.0 93.4 104.2 126.6 136.2 132.0
55.7 51.5 63.7 76.0 79.6 112.8 102.7 101.0
154.2 -24.6 79.8 14.8 -10.0 -3.3 19.9
31.6 5.7 9.9 11.6 21.5 7.6 -3.1
-7.5 23.7 19.3 4.7 41.7 -9.0 -1.7
Mean value of home−secured debt for families with holdings By family structure
Thousands of 2010 dollars
200 150 100 50 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of home-secured debt for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 52.9 88.6 1992 65.6 73.0 1995 67.1 81.6 1998 84.2 89.1 2001 81.1 86.0 2004 100.8 123.9 2007 129.3 124.2 2010 132.8 131.0 Three-year change (percent) 1992 24.0 1995 2.3 1998 25.5 2001 -3.7 2004 24.3 2007 28.3 2010 2.7
-17.6 11.8 9.2 -3.5 44.1 0.2 5.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
30.6 50.4 64.7 68.3 74.3 84.3 84.0 90.6
81.9 103.1 104.6 115.1 131.3 163.7 184.9 182.7
79.6 76.7 84.4 100.3 106.8 146.8 148.0 146.8
64.7 28.4 5.6 8.8 13.5 -0.4 7.9
25.9 1.5 10.0 14.1 24.7 13.0 -1.2
-3.6 10.0 18.8 6.5 37.5 0.8 -0.8
Percent of families with home−secured debt By education of head
60
Percent
50 40 30 20 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
1.1 3.6 -0.3 0.7 1.7 2.8 -3.0
2010
High school diploma College degree
Percent of families with home-secured debt Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 22.6 35.4 47.9 1992 18.4 36.5 42.5 1995 23.5 40.1 39.2 1998 21.8 39.8 46.6 2001 26.3 40.5 44.8 2004 24.8 42.2 48.7 2007 26.0 45.0 46.9 2010 27.3 42.0 44.8 Three-year change (percentage points) 1992 -4.2 1995 5.1 1998 -1.7 2001 4.5 2004 -1.5 2007 1.2 2010 1.3
2007
-5.4 -3.3 7.4 -1.8 3.9 -1.8 -2.1
College degree
54.2 52.9 53.5 54.9 57.0 61.3 61.7 58.7 -1.3 0.6 1.4 2.1 4.3 0.4 -3.0
Median value of home−secured debt for families with holdings By education of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of home-secured debt for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 25.3 1992 33.4 1995 32.6 1998 35.7 2001 36.8 2004 50.6 2007 52.4 2010 60.0 Three-year change (percent) 1992 32.0 1995 -2.4 1998 9.5 2001 3.1 2004 37.5 2007 3.6 2010 14.5
Education of head High school Some college diploma
College degree
42.2 45.5 56.7 58.0 64.9 80.5 88.0 83.0
52.3 60.6 73.2 93.4 88.2 99.0 101.6 106.0
77.6 91.0 102.0 104.0 116.4 143.8 149.5 150.0
7.8 24.6 2.3 11.9 24.0 9.3 -5.7
15.9 20.8 27.6 -5.6 12.2 2.6 4.3
17.3 12.1 2.0 11.9 23.5 4.0 0.3
Mean value of home−secured debt for families with holdings By education of head
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of home-secured debt for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 42.1 1992 47.6 1995 45.9 1998 49.9 2001 54.1 2004 77.3 2007 87.1 2010 78.2 Three-year change (percent) 1992 13.1 1995 -3.6 1998 8.7 2001 8.4 2004 42.9 2007 12.7 2010 -10.2
Education of head High school Some college diploma
College degree
56.3 64.1 68.3 71.7 77.9 97.1 115.4 103.6
74.1 81.7 90.3 105.4 102.9 128.1 142.5 140.2
105.4 115.5 122.5 135.7 151.9 185.3 200.4 202.4
13.9 6.6 5.0 8.6 24.6 18.8 -10.2
10.3 10.5 16.7 -2.4 24.5 11.2 -1.6
9.6 6.1 10.8 11.9 22.0 8.1 1.0
Percent of families with home−secured debt By race or ethnicity of respondent
50
Percent
45 40 35 30 25 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with home-secured debt Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 43.0 42.8 44.1 46.8 47.6 51.9 52.1 51.8
Three-year change (percentage points) 1992 -0.2 1995 1.3 1998 2.7 2001 0.8 2004 4.3 2007 0.2 2010 -0.3
28.9 27.8 30.2 31.0 35.6 37.4 40.4 37.1 -1.1 2.4 0.8 4.6 1.8 3.0 -3.3
Median value of home−secured debt for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
120
100
80
60
40 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of home-secured debt for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 57.3 45.5 1992 68.2 47.8 1995 76.5 56.0 1998 82.7 82.7 2001 91.9 73.5 2004 112.8 95.5 2007 111.1 118.4 2010 112.0 100.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
19.0 12.2 8.1 11.1 22.7 -1.5 0.8
5.1 17.2 47.7 -11.1 29.9 24.0 -15.5
Mean value of home−secured debt for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
160 140 120 100 80 60 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of home-secured debt for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 77.7 71.1 1992 89.4 81.8 1995 93.0 84.4 1998 105.3 95.4 2001 117.8 90.4 2004 146.3 130.0 2007 154.2 162.1 2010 158.6 142.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
15.1 4.0 13.2 11.9 24.2 5.4 2.9
15.0 3.2 13.0 -5.2 43.8 24.7 -12.4
Percent of families with home−secured debt By current work status of head
70
Percent
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 -1.2 1995 2.6 1998 -0.4 2001 1.7 2004 3.6 2007 0.6 2010 -2.3
2010
Self−employed Other not working
Percent of families with home-secured debt Current work status of head Employee Self-employed Retired
49.8 48.6 51.2 50.8 52.5 56.1 56.7 54.4
2007
Other not working
49.8 58.9 51.6 63.1 59.1 59.5 64.8 58.6
16.7 16.9 18.7 18.7 19.6 24.6 27.0 29.1
19.9 20.1 17.9 26.4 28.3 30.3 25.5 31.1
9.1 -7.3 11.5 -4.0 0.4 5.3 -6.2
0.2 1.8 0.0 0.9 5.0 2.4 2.1
0.2 -2.2 8.5 1.9 2.0 -4.8 5.6
Median value of home−secured debt for families with holdings By current work status of head
Thousands of 2010 dollars
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of home-secured debt for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 61.1 1992 69.7 1995 79.3 1998 88.0 2001 90.7 2004 115.1 2007 122.6 2010 116.0
59.0 91.0 85.0 98.6 122.5 137.9 141.4 145.0
18.6 29.1 32.6 49.4 38.6 48.3 49.3 60.8
21.9 37.9 58.1 76.0 88.2 89.8 94.3 92.7
Three-year change (percent) 1992 14.1 1995 13.8 1998 11.0 2001 3.1 2004 26.9 2007 6.5 2010 -5.4
54.2 -6.6 16.0 24.2 12.6 2.5 2.5
56.5 12.0 51.5 -21.9 25.1 2.1 23.3
73.1 53.3 30.8 16.1 1.8 5.0 -1.7
Mean value of home−secured debt for families with holdings By current work status of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of home-secured debt for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 78.1 1992 87.4 1995 93.0 1998 101.8 2001 107.7 2004 144.1 2007 157.7 2010 154.5
106.8 123.0 121.4 138.1 166.4 192.0 219.2 227.5
34.0 44.3 50.3 66.4 61.5 78.3 86.3 93.0
50.3 80.8 86.6 90.3 115.7 131.6 147.4 131.1
Three-year change (percent) 1992 11.9 1995 6.4 1998 9.5 2001 5.8 2004 33.8 2007 9.4 2010 -2.0
15.2 -1.3 13.8 20.5 15.4 14.2 3.8
30.3 13.5 32.0 -7.4 27.3 10.2 7.8
60.6 7.2 4.3 28.1 13.7 12.0 -11.1
Percent of families with home−secured debt By current occupation of head
70
Percent
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2.4 0.9 -2.1 1.5 0.0 4.0 -5.9
2010
Technical, sales, or services Retired or other not working
Percent of families with home-secured debt Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 61.2 43.0 46.0 1992 59.8 45.4 45.8 1995 61.0 46.3 48.3 1998 61.1 44.2 51.8 2001 63.0 45.7 50.3 2004 67.7 45.7 53.4 2007 67.6 49.7 53.6 2010 64.6 43.8 54.1 Three-year change (percentage points) 1992 -1.4 1995 1.2 1998 0.1 2001 1.9 2004 4.7 2007 -0.1 2010 -3.0
2007
-0.2 2.5 3.5 -1.5 3.1 0.2 0.5
Retired or other not working 17.3 17.6 18.6 20.1 21.0 25.5 26.7 29.6 0.3 1.0 1.5 0.9 4.5 1.2 2.9
Median value of home−secured debt for families with holdings By current occupation of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of home-secured debt for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 81.0 54.0 47.2 1992 98.5 67.8 50.5 1995 107.4 77.9 56.7 1998 106.7 88.0 65.4 2001 118.4 84.6 69.2 2004 148.4 102.4 95.2 2007 155.1 105.7 98.5 2010 150.0 110.0 90.0 Year
Three-year change (percent) 1992 21.6 1995 9.0 1998 -0.7 2001 11.0 2004 25.3 2007 4.5 2010 -3.3
25.6 14.9 13.0 -3.9 21.0 3.2 4.1
7.0 12.3 15.3 5.8 37.6 3.5 -8.6
Retired or other not working 19.6 33.4 36.1 52.7 53.9 57.5 55.5 68.0 70.4 8.1 46.0 2.3 6.7 -3.5 22.5
Mean value of home−secured debt for families with holdings By current occupation of head
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of home-secured debt for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 108.7 74.2 59.3 1992 121.5 81.4 70.4 1995 129.7 90.6 70.6 1998 138.8 103.4 78.2 2001 155.7 99.4 78.2 2004 192.5 126.5 108.4 2007 203.3 152.7 124.6 2010 209.2 144.1 115.9 Year
Three-year change (percent) 1992 11.8 1995 6.7 1998 7.0 2001 12.2 2004 23.6 2007 5.6 2010 2.9
9.7 11.3 14.1 -3.9 27.3 20.7 -5.6
18.7 0.3 10.8 0.0 38.6 14.9 -7.0
Retired or other not working 37.9 54.2 57.4 72.9 73.4 88.1 95.3 101.6 43.0 5.9 27.0 0.7 20.0 8.2 6.6
Percent of families with home−secured debt By region
55
Percent
50
45
40
35 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
Three-year change (percentage points) 1992 4.2 1995 -4.7 1998 8.2 2001 -7.4 2004 9.3 2007 1.0 2010 -1.5
2010
South
Percent of families with home-secured debt Region Northeast Midwest South 37.8 42.0 37.3 45.5 38.1 47.4 48.4 46.9
2007
West
40.2 39.7 44.9 45.5 50.9 51.9 51.0 52.8
37.4 36.7 39.5 40.3 46.6 45.2 46.6 43.6
43.9 39.6 42.4 43.0 40.4 48.7 49.9 46.9
-0.5 5.2 0.6 5.4 1.0 -0.9 1.8
-0.7 2.8 0.8 6.3 -1.4 1.4 -3.0
-4.3 2.8 0.6 -2.6 8.3 1.2 -3.0
Median value of home−secured debt for families with holdings By region
Thousands of 2010 dollars
160 140 120 100 80 60 40 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of home-secured debt for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 57.3 1992 75.8 1995 92.1 1998 80.0 2001 95.6 2004 128.4 2007 112.1 2010 114.0 Three-year change (percent) 1992 32.3 1995 21.5 1998 -13.1 2001 19.5 2004 34.3 2007 -12.7 2010 1.7
Midwest
South
West
42.2 54.6 62.0 69.4 76.6 99.0 98.4 95.0
44.7 53.1 58.4 77.4 73.5 90.9 103.7 95.0
79.3 83.7 107.6 118.7 122.5 147.4 157.9 157.6
29.4 13.6 11.9 10.4 29.2 -0.6 -3.5
18.8 10.0 32.5 -5.0 23.7 14.1 -8.4
5.5 28.6 10.3 3.2 20.3 7.1 -0.2
Mean value of home−secured debt for families with holdings By region
Thousands of 2010 dollars
250
200
150
100
50 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of home-secured debt for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 92.0 1992 91.1 1995 104.8 1998 102.1 2001 123.4 2004 157.6 2007 159.4 2010 172.1 Three-year change (percent) 1992 -1.0 1995 15.0 1998 -2.6 2001 20.9 2004 27.7 2007 1.1 2010 8.0
Midwest
South
West
56.6 77.4 73.5 84.6 93.3 119.9 122.9 121.6
61.0 71.9 77.1 93.5 93.2 120.0 137.8 133.7
106.9 122.5 124.9 143.4 165.4 190.8 216.9 209.2
36.7 -5.0 15.1 10.3 28.5 2.5 -1.1
17.9 7.2 21.3 -0.3 28.8 14.8 -3.0
14.6 2.0 14.8 15.3 15.4 13.7 -3.6
Percent of families with home−secured debt By urbanicity
50
Percent
45
40
35
30 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with home-secured debt Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 41.0 41.2 41.9 44.1 45.5 49.0 49.7 47.8
Three-year change (percentage points) 1992 0.2 1995 0.7 1998 2.2 2001 1.4 2004 3.5 2007 0.7 2010 -1.9
2010
33.0 29.9 35.8 37.5 39.4 42.5 43.5 43.3 -3.1 5.9 1.7 1.9 3.1 1.0 -0.2
Median value of home−secured debt for families with holdings By urbanicity
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of home-secured debt for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 59.4 1992 72.8 1995 82.1 1998 89.4 2001 93.7 2004 120.8 2007 123.8 2010 119.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
22.6 12.8 8.9 4.8 28.9 2.5 -3.9
2010
Non-MSA
31.2 38.4 32.6 42.7 58.8 57.5 63.5 64.0 23.1 -15.1 31.0 37.7 -2.2 10.4 0.8
Mean value of home−secured debt for families with holdings By urbanicity
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of home-secured debt for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 82.6 1992 94.8 1995 97.8 1998 110.2 2001 118.6 2004 155.8 2007 169.2 2010 167.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
14.8 3.2 12.7 7.6 31.4 8.6 -1.3
2010
Non-MSA
44.2 47.2 49.6 59.2 67.3 70.2 83.7 87.6 6.8 5.1 19.4 13.7 4.3 19.2 4.7
Percent of families with home−secured debt By housing status
80
Percent
60
40
20
0 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with home-secured debt Housing status Owner Renter or other 61.8 61.2 63.3 65.1 66.0 69.4 70.9 69.9
Three-year change (percentage points) 1992 -0.6 1995 2.1 1998 1.8 2001 0.9 2004 3.4 2007 1.5 2010 -1.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
2010
Median value of home−secured debt for families with holdings By housing status
Thousands of 2010 dollars
110 100 90 80 70 60 50 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of home-secured debt for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 54.0 1992 65.2 1995 72.4 1998 82.7 2001 85.8 2004 109.3 2007 112.1 2010 109.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
20.7 11.0 14.2 3.7 27.4 2.6 -2.2
Renter or other . . . . . . . . . . . . . . .
2010
Mean value of home−secured debt for families with holdings By housing status
Thousands of 2010 dollars
160
140
120
100
80 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of home-secured debt for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 76.5 1992 88.1 1995 91.6 1998 103.7 2001 112.4 2004 142.7 2007 156.1 2010 154.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
15.2 4.0 13.2 8.4 27.0 9.4 -1.2
Renter or other . . . . . . . . . . . . . . .
2010
Percent of families with home−secured debt By percentile of net worth
80
Percent
60
40
20
0 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with home-secured debt Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 5.3 39.7 57.7 60.1 1992 7.9 42.8 52.8 51.1 1995 9.4 47.6 55.5 49.3 1998 11.2 47.4 56.2 56.8 2001 11.1 49.6 59.3 60.9 2004 12.3 52.8 66.1 61.6 2007 11.0 56.2 64.4 63.7 2010 20.0 48.9 61.5 56.9 Three-year change (percentage points) 1992 2.6 3.1 1995 1.5 4.8 1998 1.8 -0.2 2001 -0.1 2.2 2004 1.2 3.2 2007 -1.3 3.4 2010 9.0 -7.3
-4.9 2.7 0.7 3.1 6.8 -1.7 -2.9
2010
-9.0 -1.8 7.5 4.1 0.7 2.1 -6.8
90-100 47.8 55.6 54.6 59.1 55.0 58.5 62.3 58.6 7.8 -1.0 4.5 -4.1 3.5 3.8 -3.7
Median value of home−secured debt for families with holdings By percentile of net worth
Thousands of 2010 dollars
250
200
150
100
50 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of home-secured debt for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 62.4 48.4 1992 45.5 52.3 1995 67.6 63.7 1998 75.4 73.4 2001 69.8 69.8 2004 81.7 86.3 2007 112.1 88.2 2010 141.0 91.0 Three-year change (percent) 1992 -27.1 1995 48.6 1998 11.5 2001 -7.4 2004 17.0 2007 37.2 2010 25.8
8.1 21.8 15.2 -4.9 23.6 2.2 3.2
Percentile of net worth 50-74.9
75-89.9
90-100
52.3 66.7 74.4 78.7 82.1 111.6 109.0 100.3
64.1 68.2 70.8 93.4 106.6 132.3 134.1 105.0
77.6 106.1 106.2 133.4 165.4 214.0 188.6 216.5
27.5 11.5 5.8 4.3 35.9 -2.3 -8.0
6.4 3.8 31.9 14.1 24.1 1.4 -21.7
36.7 0.1 25.6 24.0 29.4 -11.9 14.8
Mean value of home−secured debt for families with holdings
Thousands of 2010 dollars
By percentile of net worth
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of home-secured debt for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 76.7 53.1 1992 53.5 64.9 1995 78.0 73.5 1998 82.0 79.4 2001 72.6 78.7 2004 87.7 97.4 2007 135.1 110.9 2010 170.9 106.7 Three-year change (percent) 1992 -30.2 1995 45.8 1998 5.1 2001 -11.5 2004 20.8 2007 54.0 2010 26.5
22.2 13.3 8.0 -0.9 23.8 13.9 -3.8
Percentile of net worth 50-74.9
75-89.9
90-100
69.0 80.9 88.4 90.0 97.8 133.3 136.6 122.9
82.7 95.3 90.6 112.9 126.7 159.2 168.2 156.7
135.6 152.0 146.6 182.0 223.9 274.6 299.2 318.7
17.2 9.3 1.8 8.7 36.3 2.5 -10.0
15.2 -4.9 24.6 12.2 25.7 5.7 -6.8
12.1 -3.6 24.1 23.0 22.6 9.0 6.5
Percent of families with mortgages or home−equity loans For all families
46
Percent
44
42
40
38 1989
1992
1995
1998 2001 Year
2004
2007
Percent of families with mortgages or home-equity loans Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 38.6 38.5 40.4 42.0 43.4 45.9 46.3 45.2 -0.1 1.9 1.6 1.4 2.5 0.4 -1.1
2010
Median value of mortgages or home−equity loans for families with holdings For all families
Thousands of 2010 dollars
120
100
80
60
40 1989
1992
1995
1998 2001 Year
2004
2007
2010
Median value of mortgages or home-equity loans for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 52.3 62.4 72.2 82.7 88.2 110.5 115.2 110.0 19.3 15.7 14.5 6.7 25.3 4.3 -4.5
Mean value of mortgages or home−equity loans for families with holdings For all families
Thousands of 2010 dollars
160
140
120
100
80
60 1989
1992
1995
1998 2001 Year
2004
2007
2010
Mean value of mortgages or home-equity loans for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 74.2 86.1 91.2 103.8 112.1 140.2 156.6 151.8 16.0 5.9 13.8 8.0 25.1 11.7 -3.1
Percent of families with mortgages or home−equity loans By percentile of income
80
Percent
60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Percent of families with mortgages or home-equity loans Year
Less than 20 Level (percent) 1989 7.5 1992 10.4 1995 10.4 1998 10.8 2001 12.8 2004 14.6 2007 13.7 2010 13.7
20-39.9
22.2 20.7 25.2 22.4 25.9 28.9 26.3 27.9
Three-year change (percentage points) 1992 2.9 -1.5 1995 0.0 4.5 1998 0.4 -2.8 2001 2.0 3.5 2004 1.8 3.0 2007 -0.9 -2.6 2010 0.0 1.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
37.3 35.4 37.7 42.5 43.1 50.0 48.7 49.8
55.5 56.2 58.2 62.4 60.5 62.9 67.8 63.6
69.5 66.1 68.3 72.4 74.6 74.0 77.0 71.8
71.5 73.2 72.4 71.1 74.6 72.7 72.4 70.3
-1.9 2.3 4.8 0.6 6.9 -1.3 1.1
0.7 2.0 4.2 -1.9 2.4 4.9 -4.2
-3.4 2.2 4.1 2.2 -0.6 3.0 -5.2
1.7 -0.8 -1.3 3.5 -1.9 -0.3 -2.1
Median value of mortgages or home−equity loans for families with holdings By percentile of income
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of mortgages or home-equity loans for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 11.8 21.8 1992 22.2 30.7 1995 26.2 39.7 1998 34.7 50.7 2001 36.6 51.4 2004 42.7 61.0 2007 45.1 60.8 2010 59.0 66.5 Three-year change (percent) 1992 88.1 40.8 1995 18.0 29.3 1998 32.4 27.7 2001 5.5 1.4 2004 16.7 18.7 2007 5.6 -0.3 2010 30.8 9.4
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
35.4 45.5 52.4 57.4 69.8 89.8 93.8 90.0
62.4 66.7 80.7 86.7 93.1 111.6 120.5 115.9
69.2 83.7 94.9 104.0 110.3 149.6 171.8 158.0
101.2 121.3 127.5 156.7 164.2 211.7 209.5 225.0
28.5 15.2 9.5 21.6 28.7 4.5 -4.1
6.9 21.0 7.4 7.4 19.9 8.0 -3.8
21.0 13.4 9.6 6.1 35.6 14.8 -8.0
19.9 5.1 22.9 4.8 28.9 -1.0 7.4
Mean value of mortgages or home−equity loans for families with holdings By percentile of income
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of mortgages or home-equity loans for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 22.2 33.7 1992 41.5 45.9 1995 43.8 49.7 1998 45.4 59.7 2001 47.4 57.8 2004 60.4 77.7 2007 73.8 76.2 2010 89.1 81.7 Three-year change (percent) 1992 86.9 36.2 1995 5.5 8.3 1998 3.7 20.1 2001 4.4 -3.2 2004 27.4 34.4 2007 22.2 -1.9 2010 20.7 7.2
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
47.1 55.8 62.8 69.2 77.9 98.7 109.1 105.1
70.5 75.4 85.7 93.8 99.9 130.1 143.2 133.8
81.8 94.6 107.2 114.2 127.3 172.6 192.1 176.4
137.1 159.6 157.1 198.0 216.0 263.6 297.8 305.4
18.5 12.5 10.2 12.6 26.7 10.5 -3.7
7.0 13.7 9.5 6.5 30.2 10.1 -6.6
15.6 13.3 6.5 11.5 35.6 11.3 -8.2
16.4 -1.6 26.0 9.1 22.0 13.0 2.6
Percent of families with mortgages or home−equity loans By age of head
60
Percent
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Percent of families with mortgages or home-equity loans Year
Less than 35 Level (percent) 1989 34.9 1992 30.9 1995 32.9 1998 32.9 2001 35.6 2004 37.7 2007 37.2 2010 33.9
35-44
57.5 55.4 54.0 58.1 58.7 62.2 59.3 57.3
Three-year change (percentage points) 1992 -4.0 -2.1 1995 2.0 -1.4 1998 0.0 4.1 2001 2.7 0.6 2004 2.1 3.5 2007 -0.5 -2.9 2010 -3.3 -2.0
Age of head 45-54 55-64
65-74
75 or older
56.9 59.4 61.1 57.6 58.7 62.5 63.8 58.5
34.1 39.9 44.1 47.1 45.3 46.3 50.2 50.6
20.6 17.2 23.9 24.7 30.2 29.1 35.5 36.6
5.8 8.6 4.9 9.1 8.4 15.7 11.0 21.2
2.5 1.7 -3.5 1.1 3.8 1.3 -5.3
5.8 4.2 3.0 -1.8 1.0 3.9 0.4
-3.4 6.7 0.8 5.5 -1.1 6.4 1.1
2.8 -3.7 4.2 -0.7 7.3 -4.7 10.2
Median value of mortgages or home−equity loans for families with holdings By age of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of mortgages or home-equity loans for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 74.2 64.9 1992 77.0 78.8 1995 87.8 85.0 1998 94.7 93.4 2001 94.4 98.0 2004 116.2 126.6 2007 139.3 131.0 2010 120.0 136.3 Three-year change (percent) 1992 3.8 21.4 1995 14.0 7.9 1998 7.9 9.9 2001 -0.3 4.9 2004 23.1 29.2 2007 19.9 3.5 2010 -13.9 4.0
Age of head 45-54 55-64
65-74
75 or older
41.5 56.1 69.4 88.0 91.9 109.3 112.1 112.0
33.7 42.4 52.4 66.7 72.3 97.8 94.3 95.0
15.5 25.8 26.9 37.1 52.7 65.9 88.8 79.0
18.5 42.4 10.5 33.3 55.1 45.9 52.4 58.0
35.2 23.7 26.8 4.4 18.9 2.6 -0.1
25.8 23.6 27.3 8.4 35.3 -3.6 0.7
66.5 4.3 37.9 42.0 25.0 34.7 -11.0
129.2 -75.2 217.1 65.5 -16.7 14.2 10.7
Mean value of mortgages or home−equity loans for families with holdings By age of head
Thousands of 2010 dollars
200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of mortgages or home-equity loans for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 90.3 87.9 1992 95.0 103.2 1995 93.6 103.1 1998 100.7 114.2 2001 110.1 121.7 2004 142.7 151.6 2007 170.7 168.0 2010 142.5 174.8 Three-year change (percent) 1992 5.2 17.4 1995 -1.5 -0.1 1998 7.6 10.8 2001 9.3 6.6 2004 29.6 24.6 2007 19.6 10.8 2010 -16.5 4.0
Age of head 45-54 55-64
65-74
75 or older
61.8 80.5 94.7 110.3 119.9 150.7 155.5 165.2
57.9 63.3 79.2 96.5 101.4 134.6 146.9 144.3
27.1 46.5 52.1 69.6 80.5 89.5 139.8 124.2
35.5 52.1 35.2 51.1 69.1 76.5 84.0 82.9
30.3 17.6 16.5 8.7 25.7 3.2 6.2
9.3 25.1 21.8 5.1 32.7 9.1 -1.8
71.6 12.0 33.6 15.7 11.2 56.2 -11.2
46.8 -32.4 45.2 35.2 10.7 9.8 -1.3
Percent of families with mortgages or home−equity loans By family structure
70
Percent
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with mortgages or home-equity loans Year
Single with child(ren)
Level (percent) 1989 30.8 1992 28.3 1995 32.0 1998 28.9 2001 34.1 2004 41.3 2007 36.8 2010 35.5
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
19.5 25.3 27.2 24.7 24.9 32.6 34.4 30.9
13.6 13.3 12.0 16.7 18.4 20.0 19.8 26.8
62.2 63.2 63.0 65.5 67.0 66.5 67.8 63.6
34.5 34.4 39.5 42.4 42.6 45.5 45.9 46.3
-0.3 -1.3 4.7 1.7 1.6 -0.2 7.0
1.0 -0.2 2.5 1.5 -0.5 1.3 -4.2
-0.1 5.1 2.9 0.2 2.9 0.4 0.4
Three-year change (percentage points) 1992 -2.5 5.8 1995 3.7 1.9 1998 -3.1 -2.5 2001 5.2 0.2 2004 7.2 7.7 2007 -4.5 1.8 2010 -1.3 -3.5
Median value of mortgages or home−equity loans for families with holdings
Thousands of 2010 dollars
By family structure
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of mortgages or home-equity loans for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 41.5 69.2 1992 45.9 60.6 1995 56.7 72.2 1998 60.0 74.7 2001 71.1 75.0 2004 86.5 102.4 2007 98.4 103.2 2010 95.0 110.0 Three-year change (percent) 1992 10.6 1995 23.5 1998 5.8 2001 18.5 2004 21.7 2007 13.8 2010 -3.5
-12.4 19.1 3.5 0.4 36.5 0.8 6.6
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
11.8 37.9 26.9 58.8 61.3 57.5 60.8 66.5
59.0 75.0 83.6 93.4 102.9 125.4 135.2 130.0
55.7 48.5 63.7 76.0 82.1 112.8 110.0 102.0
221.2 -29.0 118.6 4.3 -6.2 5.7 9.4
27.1 11.5 11.7 10.2 21.9 7.8 -3.8
-12.9 31.3 19.3 8.0 37.4 -2.5 -7.3
Mean value of mortgages or home−equity loans for families with holdings
Thousands of 2010 dollars
By family structure
200 150 100 50 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of mortgages or home-equity loans for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 52.2 88.2 1992 65.3 72.8 1995 67.0 80.7 1998 83.1 88.8 2001 83.0 86.8 2004 100.1 120.9 2007 128.9 121.8 2010 128.5 129.9 Three-year change (percent) 1992 25.1 1995 2.6 1998 24.0 2001 -0.1 2004 20.6 2007 28.8 2010 -0.3
-17.5 10.9 10.0 -2.3 39.3 0.7 6.7
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
28.8 48.8 64.2 72.3 76.3 76.9 88.3 91.4
78.3 100.8 103.3 114.9 128.7 159.1 179.6 176.3
78.9 73.3 85.3 100.4 108.0 147.3 156.6 147.9
69.4 31.6 12.6 5.5 0.8 14.8 3.5
28.7 2.5 11.2 12.0 23.6 12.9 -1.8
-7.1 16.4 17.7 7.6 36.4 6.3 -5.6
Percent of families with mortgages or home−equity loans By education of head
60
Percent
50 40 30 20 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with mortgages or home-equity loans Year
No high school diploma Level (percent) 1989 21.8 1992 18.1 1995 23.3 1998 20.4 2001 24.9 2004 22.5 2007 24.5 2010 25.8
Education of head High school Some college diploma
Three-year change (percentage points) 1992 -3.7 1995 5.2 1998 -2.9 2001 4.5 2004 -2.4 2007 2.0 2010 1.3
College degree
34.6 36.4 39.2 38.5 38.9 40.4 42.4 40.2
47.0 40.8 39.2 46.4 44.0 47.2 44.2 43.4
53.1 52.1 52.6 53.6 56.0 59.1 59.4 56.7
1.8 2.8 -0.7 0.4 1.5 2.0 -2.2
-6.2 -1.6 7.2 -2.4 3.2 -3.0 -0.8
-1.0 0.5 1.0 2.4 3.1 0.3 -2.7
Median value of mortgages or home−equity loans for families with holdings By education of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of mortgages or home-equity loans for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 25.3 1992 33.4 1995 32.6 1998 38.0 2001 38.1 2004 54.4 2007 60.2 2010 60.0 Three-year change (percent) 1992 32.0 1995 -2.4 1998 16.6 2001 0.3 2004 42.8 2007 10.7 2010 -0.3
Education of head High school Some college diploma
College degree
40.5 44.6 56.7 58.7 66.2 80.5 90.1 85.0
50.6 59.1 72.2 93.4 88.2 97.8 104.8 106.0
75.9 89.4 102.0 104.0 114.0 141.0 144.6 150.0
10.1 27.1 3.5 12.8 21.6 11.9 -5.7
16.8 22.2 29.4 -5.6 10.9 7.2 1.1
17.8 14.1 2.0 9.6 23.7 2.6 3.7
Mean value of mortgages or home−equity loans for families with holdings By education of head
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of mortgages or home-equity loans for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 42.3 1992 47.2 1995 45.9 1998 51.0 2001 56.2 2004 75.9 2007 90.0 2010 79.4 Three-year change (percent) 1992 11.6 1995 -2.8 1998 11.1 2001 10.2 2004 35.1 2007 18.6 2010 -11.8
Education of head High school Some college diploma
College degree
53.6 62.3 68.0 72.3 79.2 97.2 117.3 102.8
70.1 81.2 89.2 104.4 102.3 126.1 146.1 138.9
103.3 112.5 122.1 135.3 149.3 180.2 197.4 197.2
16.2 9.1 6.3 9.5 22.7 20.7 -12.4
15.8 9.9 17.0 -2.0 23.3 15.9 -4.9
8.9 8.5 10.8 10.3 20.7 9.5 -0.1
Percent of families with mortgages or home−equity loans By race or ethnicity of respondent
50
Percent
45 40 35 30 25 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with mortgages or home-equity loans Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 42.0 42.1 43.3 45.5 46.1 49.7 49.2 49.5
Three-year change (percentage points) 1992 0.1 1995 1.2 1998 2.2 2001 0.6 2004 3.6 2007 -0.5 2010 0.3
28.6 27.3 30.2 30.3 35.1 36.3 39.2 36.3 -1.3 2.9 0.1 4.8 1.2 2.9 -2.9
Median value of mortgages or home−equity loans for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
120
100
80
60
40 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of mortgages or home-equity loans for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 55.7 45.5 1992 65.2 48.5 1995 76.5 55.9 1998 82.7 85.4 2001 91.9 73.5 2004 112.8 96.7 2007 114.2 118.4 2010 112.0 100.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
17.1 17.3 8.1 11.1 22.7 1.2 -1.9
6.6 15.3 52.8 -13.9 31.6 22.4 -15.5
Mean value of mortgages or home−equity loans for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
160 140 120 100 80 60 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of mortgages or home-equity loans for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 75.2 70.2 1992 87.0 82.1 1995 92.8 83.4 1998 105.5 95.7 2001 117.5 90.6 2004 142.9 130.8 2007 155.2 161.1 2010 156.5 138.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
15.7 6.7 13.7 11.4 21.6 8.6 0.8
17.0 1.6 14.7 -5.3 44.4 23.2 -14.0
Percent of families with mortgages or home−equity loans By current work status of head
60
Percent
50 40 30 20 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with mortgages or home-equity loans Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
48.8 47.9 50.8 49.8 51.5 54.8 55.2 53.1
Three-year change (percentage points) 1992 -0.9 1995 2.9 1998 -1.0 2001 1.7 2004 3.3 2007 0.4 2010 -2.1
Other not working
49.5 58.0 51.0 61.2 56.9 57.1 61.5 55.0
15.8 16.2 17.5 17.4 18.0 21.2 22.3 26.9
19.0 20.1 17.4 26.4 28.3 28.6 25.5 29.7
8.5 -7.0 10.2 -4.3 0.2 4.4 -6.5
0.4 1.3 -0.1 0.6 3.2 1.1 4.6
1.1 -2.7 9.0 1.9 0.3 -3.1 4.2
Median value of mortgages or home−equity loans for families with holdings
Thousands of 2010 dollars
By current work status of head
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of mortgages or home-equity loans for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 60.6 1992 68.2 1995 77.9 1998 88.0 2001 90.7 2004 114.0 2007 121.5 2010 115.5
52.3 91.0 83.6 98.7 122.5 135.5 146.7 145.0
18.6 26.4 35.3 49.4 42.9 50.6 60.8 63.0
21.9 35.6 63.7 76.0 88.2 97.8 85.9 94.4
Three-year change (percent) 1992 12.5 1995 14.2 1998 13.0 2001 3.1 2004 25.7 2007 6.6 2010 -4.9
74.0 -8.1 18.1 24.1 10.6 8.3 -1.2
41.9 33.7 39.9 -13.2 17.9 20.2 3.6
62.6 78.9 19.3 16.1 10.9 -12.2 9.9
Mean value of mortgages or home−equity loans for families with holdings By current work status of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of mortgages or home-equity loans for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 76.1 1992 85.8 1995 92.0 1998 101.7 2001 107.1 2004 140.9 2007 155.7 2010 152.0
100.2 119.1 120.5 138.4 164.7 182.5 217.3 219.8
32.6 41.7 51.6 66.8 64.7 79.8 96.6 94.7
52.6 77.5 87.4 89.7 115.2 138.1 137.3 126.3
Three-year change (percent) 1992 12.7 1995 7.2 1998 10.5 2001 5.3 2004 31.6 2007 10.5 2010 -2.4
18.9 1.2 14.9 19.0 10.8 19.1 1.2
27.9 23.7 29.5 -3.1 23.3 21.1 -2.0
47.3 12.8 2.6 28.4 19.9 -0.6 -8.0
Percent of families with mortgages or home−equity loans By current occupation of head
70
Percent
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with mortgages or home-equity loans Year
Managerial or professional Level (percent) 1989 60.1 1992 58.7 1995 60.5 1998 60.1 2001 61.7 2004 66.1 2007 65.8 2010 62.4
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 -1.4 1995 1.8 1998 -0.4 2001 1.6 2004 4.4 2007 -0.3 2010 -3.4
Retired or other not working
42.1 44.7 46.0 43.5 45.0 44.3 47.7 42.7
45.2 45.5 47.9 50.2 48.6 51.9 52.2 52.5
16.5 17.1 17.5 19.0 19.7 22.4 22.8 27.5
2.6 1.3 -2.5 1.5 -0.7 3.4 -5.0
0.3 2.4 2.3 -1.6 3.3 0.3 0.3
0.6 0.4 1.5 0.7 2.7 0.4 4.7
Median value of mortgages or home−equity loans for families with holdings By current occupation of head
Thousands of 2010 dollars
150
100
50
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of mortgages or home-equity loans for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 74.2 54.0 45.5 1992 95.4 66.7 48.5 1995 106.2 77.2 56.7 1998 106.7 88.0 68.0 2001 118.6 85.8 69.8 2004 146.1 102.4 92.1 2007 146.7 104.8 99.5 2010 150.0 106.0 90.0 Year
Three-year change (percent) 1992 28.6 1995 11.3 1998 0.5 2001 11.2 2004 23.2 2007 0.4 2010 2.2
23.5 15.7 14.0 -2.5 19.3 2.3 1.1
6.6 16.9 19.9 2.6 31.9 8.0 -9.5
Retired or other not working 20.2 31.8 36.7 52.3 55.1 63.3 72.3 70.0 57.4 15.4 42.5 5.4 14.9 14.2 -3.2
Mean value of mortgages or home−equity loans for families with holdings By current occupation of head
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of mortgages or home-equity loans for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 105.3 71.6 57.4 1992 118.5 80.3 69.2 1995 127.7 90.0 70.2 1998 137.5 103.1 79.2 2001 153.5 97.9 79.2 2004 184.0 125.0 108.0 2007 197.9 154.0 123.9 2010 203.2 142.0 114.8 Year
Three-year change (percent) 1992 12.5 1995 7.8 1998 7.7 2001 11.6 2004 19.9 2007 7.6 2010 2.7
12.2 12.1 14.6 -5.0 27.7 23.2 -7.8
20.6 1.4 12.8 0.0 36.4 14.7 -7.3
Retired or other not working 37.4 51.6 58.8 73.4 76.5 91.4 103.7 102.1 38.0 14.0 24.8 4.2 19.5 13.5 -1.5
Percent of families with mortgages or home−equity loans By region
Percent
50
45
40
35 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with mortgages or home-equity loans Region Year Northeast Level (percent) 1989 36.0 1992 40.9 1995 36.4 1998 43.1 2001 35.6 2004 44.4 2007 45.6 2010 44.1
Midwest
South
West
39.3 38.9 44.2 44.3 48.7 49.5 48.2 50.9
36.6 36.2 38.9 39.4 45.9 43.4 44.6 42.2
43.7 39.4 42.1 42.7 40.4 47.8 47.6 45.5
-0.4 5.3 0.1 4.4 0.8 -1.3 2.7
-0.4 2.7 0.5 6.5 -2.5 1.2 -2.4
-4.3 2.7 0.6 -2.3 7.4 -0.2 -2.1
Three-year change (percentage points) 1992 4.9 1995 -4.5 1998 6.7 2001 -7.5 2004 8.8 2007 1.2 2010 -1.5
Median value of mortgages or home−equity loans for families with holdings By region
Thousands of 2010 dollars
160 140 120 100 80 60 40 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of mortgages or home-equity loans for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 55.7 1992 75.0 1995 89.2 1998 81.4 2001 99.3 2004 126.6 2007 115.2 2010 112.7 Three-year change (percent) 1992 34.6 1995 18.9 1998 -8.7 2001 22.0 2004 27.5 2007 -9.0 2010 -2.2
Midwest
South
West
39.0 53.1 60.9 69.4 77.2 99.0 99.4 98.0
44.7 52.3 59.5 77.4 72.3 92.1 104.8 95.0
77.6 78.2 107.5 118.7 122.5 145.0 155.2 158.0
36.2 14.7 14.0 11.2 28.2 0.4 -1.4
17.0 13.8 30.1 -6.6 27.4 13.8 -9.4
0.8 37.5 10.4 3.2 18.4 7.0 1.8
Mean value of mortgages or home−equity loans for families with holdings By region
Thousands of 2010 dollars
250 200 150 100 50 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of mortgages or home-equity loans for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 88.2 1992 89.6 1995 104.7 1998 103.6 2001 126.5 2004 153.6 2007 158.1 2010 170.2 Three-year change (percent) 1992 1.6 1995 16.9 1998 -1.1 2001 22.1 2004 21.4 2007 2.9 2010 7.7
Midwest
South
West
54.4 74.6 72.3 83.7 93.5 116.3 124.8 120.4
60.0 70.5 77.1 93.5 92.0 120.1 140.2 131.6
104.1 119.5 124.2 143.0 162.8 185.8 214.5 204.0
37.1 -3.1 15.8 11.7 24.4 7.3 -3.5
17.5 9.4 21.3 -1.6 30.5 16.7 -6.1
14.8 3.9 15.1 13.8 14.1 15.4 -4.9
Percent of families with mortgages or home−equity loans By urbanicity
50
Percent
45
40
35
30 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Percent of families with mortgages or home-equity loans Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
40.1 40.6 41.3 43.1 44.3 46.9 47.3 46.2
32.4 29.1 35.2 35.7 37.9 41.1 41.0 40.4
Three-year change (percentage points) 1992 0.5 1995 0.7 1998 1.8 2001 1.2 2004 2.6 2007 0.4 2010 -1.1
2010
-3.3 6.1 0.5 2.2 3.2 -0.1 -0.6
Median value of mortgages or home−equity loans for families with holdings By urbanicity
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
2010
Non−MSA
Median value of mortgages or home-equity loans for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 59.0 1992 69.7 1995 80.7 1998 89.4 2001 94.4 2004 120.0 2007 124.7 2010 118.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
18.1 15.8 10.8 5.6 27.1 3.9 -5.4
Non-MSA
31.2 40.2 32.6 42.7 58.8 57.5 65.0 65.0 28.8 -18.9 31.0 37.7 -2.2 13.0 0.0
Mean value of mortgages or home−equity loans for families with holdings By urbanicity
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
2010
Non−MSA
Mean value of mortgages or home-equity loans for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 80.0 1992 92.4 1995 97.3 1998 110.2 2001 118.2 2004 152.9 2007 169.4 2010 163.1 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
15.5 5.3 13.3 7.3 29.4 10.8 -3.7
Non-MSA
44.0 47.3 49.7 59.5 67.4 70.2 85.2 89.5 7.5 5.1 19.7 13.3 4.2 21.4 5.0
Percent of families with mortgages or home−equity loans By housing status
80
Percent
60
40
20
0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with mortgages or home-equity loans Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
60.4 60.2 62.4 63.4 64.1 66.5 67.4 67.2
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Three-year change (percentage points) 1992 -0.2 1995 2.2 1998 1.0 2001 0.7 2004 2.4 2007 0.9 2010 -0.2
0.0 0.0 0.0 0.0 0.0 0.0 0.0
2010
Median value of mortgages or home−equity loans for families with holdings By housing status
Thousands of 2010 dollars
120
100
80
60
40 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Median value of mortgages or home-equity loans for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 52.3 1992 62.4 1995 72.2 1998 82.7 2001 88.2 2004 110.5 2007 115.2 2010 110.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
19.3 15.7 14.5 6.7 25.3 4.3 -4.5
Renter or other . . . . . . . . . . . . . . .
Mean value of mortgages or home−equity loans for families with holdings By housing status
Thousands of 2010 dollars
160 140 120 100 80 60 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Mean value of mortgages or home-equity loans for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 74.2 1992 86.1 1995 91.2 1998 103.8 2001 112.1 2004 140.2 2007 156.6 2010 151.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
16.0 5.9 13.8 8.0 25.1 11.7 -3.1
Renter or other . . . . . . . . . . . . . . .
Percent of families with mortgages or home−equity loans By percentile of net worth
60
Percent
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with mortgages or home-equity loans Year Less than 25 Level (percent) 1989 5.3 1992 7.9 1995 9.4 1998 11.2 2001 11.0 2004 11.7 2007 11.0 2010 20.0
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
39.7 42.3 47.4 46.5 48.8 52.1 54.8 47.8
56.3 52.4 54.8 54.1 58.0 64.4 60.9 59.7
58.3 49.7 47.7 55.8 57.7 57.3 59.5 51.9
45.4 53.5 52.9 56.3 52.7 53.0 56.6 55.3
-3.9 2.4 -0.7 3.9 6.4 -3.5 -1.2
-8.6 -2.0 8.1 1.9 -0.4 2.2 -7.6
8.1 -0.6 3.4 -3.6 0.3 3.6 -1.3
Three-year change (percentage points) 1992 2.6 2.6 1995 1.5 5.1 1998 1.8 -0.9 2001 -0.2 2.3 2004 0.7 3.3 2007 -0.7 2.7 2010 9.0 -7.0
Median value of mortgages or home−equity loans for families with holdings By percentile of net worth
Thousands of 2010 dollars
250 200 150 100 50 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of mortgages or home-equity loans for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 62.4 47.2 1992 45.5 52.3 1995 67.6 63.7 1998 75.4 73.4 2001 69.8 70.8 2004 86.3 86.3 2007 112.1 89.1 2010 136.0 91.0 Three-year change (percent) 1992 -27.1 1995 48.6 1998 11.5 2001 -7.4 2004 23.6 2007 29.9 2010 21.3
10.8 21.8 15.2 -3.5 21.9 3.2 2.1
Percentile of net worth 50-74.9
75-89.9
90-100
50.6 65.2 74.4 80.0 84.6 111.6 114.2 100.0
54.0 65.2 71.7 93.4 110.3 134.6 127.9 105.0
77.6 103.0 106.2 133.4 171.6 215.2 206.7 211.0
28.9 14.1 7.5 5.8 31.9 2.3 -12.4
20.7 10.0 30.3 18.1 22.0 -5.0 -17.9
32.7 3.1 25.6 28.6 25.4 -3.9 2.1
Mean value of mortgages or home−equity loans for families with holdings
Thousands of 2010 dollars
By percentile of net worth
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of mortgages or home-equity loans for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 70.9 52.8 1992 53.5 64.7 1995 76.8 73.4 1998 81.6 79.3 2001 71.8 78.9 2004 90.4 96.4 2007 132.3 111.6 2010 166.2 106.3 Three-year change (percent) 1992 -24.5 1995 43.6 1998 6.2 2001 -12.0 2004 25.9 2007 46.3 2010 25.6
22.5 13.4 8.0 -0.5 22.2 15.8 -4.7
Percentile of net worth 50-74.9
75-89.9
90-100
67.5 79.6 88.1 91.2 98.3 131.7 138.2 121.9
80.0 93.0 91.3 111.3 128.5 159.7 168.2 156.7
131.9 146.6 145.4 184.9 221.0 269.7 308.7 310.8
17.9 10.7 3.5 7.8 34.0 4.9 -11.8
16.2 -1.8 21.9 15.5 24.3 5.3 -6.8
11.1 -0.8 27.2 19.5 22.0 14.5 0.7
Percent of families with home−equity lines of credit For all families
9 8
Percent
7 6 5 4 3 1989
1992
1995
1998
2001
2004
2007
Year
Percent of families with home-equity lines of credit Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
All families 3.1 4.3 2.9 4.5 4.8 8.6 8.5 7.2 1.2 -1.4 1.6 0.3 3.8 -0.1 -1.3
2010
Median value of home−equity lines of credit for families with holdings For all families
Thousands of 2010 dollars
30
25
20
15 1989
1992
1995
1998 2001 Year
2004
2007
Median value of home-equity lines of credit for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 30.4 18.2 17.0 17.3 18.4 25.3 25.1 26.4 -40.1 -6.6 1.8 6.4 37.5 -0.8 5.2
2010
Mean value of home−equity lines of credit for families with holdings For all families
Thousands of 2010 dollars
55 50 45 40 35 30 25 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of home-equity lines of credit for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 49.3 31.1 25.3 25.0 31.9 45.8 41.1 54.5 -36.9 -18.6 -1.2 27.6 43.6 -10.3 32.6
2010
Percent of families with home−equity lines of credit By percentile of income
20
Percent
15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Percent of families with home-equity lines of credit Year
Less than 20 Level (percent) 1989 0.1 1992 0.0 1995 0.0 1998 0.5 2001 1.0 2004 1.3 2007 1.9 2010 2.1
20-39.9
1.2 0.6 0.8 2.7 2.5 2.5 5.6 3.0
Three-year change (percentage points) 1992 -0.1 -0.6 1995 0.0 0.2 1998 0.5 1.9 2001 0.5 -0.2 2004 0.3 0.0 2007 0.6 3.1 2010 0.2 -2.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
2.4 3.7 1.4 3.3 3.0 7.1 6.9 6.8
4.1 5.2 4.6 5.6 6.6 13.2 11.1 9.3
3.8 8.5 6.9 9.8 11.5 17.4 14.2 12.9
11.9 15.3 8.1 10.7 10.1 20.0 20.0 16.4
1.3 -2.3 1.9 -0.3 4.1 -0.2 -0.1
1.1 -0.6 1.0 1.0 6.6 -2.1 -1.8
4.7 -1.6 2.9 1.7 5.9 -3.2 -1.3
3.4 -7.2 2.6 -0.6 9.9 0.0 -3.6
Median value of home−equity lines of credit for families with holdings By percentile of income
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of home-equity lines of credit for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 0.0 42.2 1992 60.6 18.2 1995 85.0 2.8 1998 10.0 17.3 2001 9.8 13.5 2004 23.0 22.4 2007 11.0 15.7 2010 19.0 22.0 Three-year change (percent) 1992 . -56.9 1995 40.3 -84.6 1998 -88.2 517.9 2001 -2.0 -22.0 2004 134.7 65.9 2007 -52.2 -29.9 2010 72.7 40.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
13.5 15.2 21.2 16.0 14.7 16.7 15.7 16.0
25.3 13.6 14.2 16.0 12.3 21.9 21.0 29.0
45.5 21.2 24.1 13.3 19.6 23.0 31.4 21.0
37.1 30.3 26.9 29.3 31.9 46.0 50.3 54.3
12.6 39.5 -24.5 -8.1 13.6 -6.0 1.9
-46.2 4.4 12.7 -23.1 78.0 -4.1 38.1
-53.4 13.7 -44.8 47.4 17.3 36.5 -33.1
-18.3 -11.2 8.9 8.9 44.2 9.3 8.0
Mean value of home−equity lines of credit for families with holdings By percentile of income
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of home-equity lines of credit for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 0.0 36.9 1992 60.6 22.2 1995 71.1 13.3 1998 17.4 20.1 2001 15.8 16.3 2004 27.2 31.8 2007 20.2 20.4 2010 56.9 46.7 Three-year change (percent) 1992 . -39.8 1995 17.3 -40.1 1998 -75.5 51.1 2001 -9.2 -18.9 2004 72.2 95.1 2007 -25.7 -35.8 2010 181.7 128.9
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
19.2 27.0 22.6 21.3 20.0 33.8 16.0 33.3
41.6 16.7 15.0 21.8 16.8 30.1 36.5 41.3
48.3 27.4 28.0 18.7 28.6 36.7 50.8 43.9
70.2 45.7 37.7 39.4 73.4 89.1 72.1 97.8
40.6 -16.3 -5.8 -6.1 69.0 -52.7 108.1
-59.9 -10.2 45.3 -22.9 79.2 21.3 13.2
-43.3 2.2 -33.2 52.9 28.3 38.4 -13.6
-34.9 -17.5 4.5 86.3 21.4 -19.1 35.6
Percent of families with home−equity lines of credit By age of head
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Percent of families with home-equity lines of credit Year
Less than 35 Level (percent) 1989 0.8 1992 1.1 1995 1.4 1998 1.4 2001 2.9 2004 3.5 2007 4.0 2010 2.3
35-44
4.4 5.5 3.4 5.3 4.8 10.5 8.8 5.6
Three-year change (percentage points) 1992 0.3 1.1 1995 0.3 -2.1 1998 0.0 1.9 2001 1.5 -0.5 2004 0.6 5.7 2007 0.5 -1.7 2010 -1.7 -3.2
Age of head 45-54 55-64
65-74
75 or older
6.2 8.3 5.1 7.9 7.2 13.1 11.7 10.9
5.8 7.4 3.7 6.5 7.2 11.7 12.6 10.6
1.3 3.4 1.6 2.0 4.4 6.4 9.6 8.7
0.5 0.0 1.9 3.1 1.1 4.0 3.4 4.9
2.1 -3.2 2.8 -0.7 5.9 -1.4 -0.8
1.6 -3.7 2.8 0.7 4.5 0.9 -2.0
2.1 -1.8 0.4 2.4 2.0 3.2 -0.9
-0.5 1.9 1.2 -2.0 2.9 -0.6 1.5
Median value of home−equity lines of credit for families with holdings By age of head
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of home-equity lines of credit for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 31.9 25.3 1992 13.6 15.2 1995 9.2 14.5 1998 13.3 13.3 2001 15.9 19.6 2004 34.5 27.6 2007 25.1 21.0 2010 15.0 30.0 Three-year change (percent) 1992 -57.4 -39.9 1995 -32.4 -4.6 1998 44.6 -8.3 2001 19.5 47.4 2004 117.0 40.8 2007 -27.2 -23.9 2010 -40.2 42.9
Age of head 45-54 55-64
65-74
75 or older
35.4 21.2 24.1 17.3 20.8 23.0 26.2 30.0
32.0 15.2 10.5 21.3 12.3 25.9 21.0 21.0
11.8 24.5 19.8 20.1 18.4 17.3 15.7 29.0
0.0 48.6 41.1 16.0 16.5 17.3 26.2 20.0
-40.1 13.7 -28.2 20.2 10.6 13.9 14.5
-52.5 -30.9 102.9 -42.3 110.6 -18.9 0.0
107.6 -19.2 1.5 -8.5 -6.0 -9.2 84.7
. -15.4 -61.1 3.1 4.8 51.4 -23.7
Mean value of home−equity lines of credit for families with holdings By age of head
Thousands of 2010 dollars
70 60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of home-equity lines of credit for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 37.5 40.7 1992 39.2 22.9 1995 12.4 24.1 1998 13.7 22.7 2001 22.0 23.1 2004 41.7 38.4 2007 41.4 35.2 2010 25.2 48.7 Three-year change (percent) 1992 4.5 -43.7 1995 -68.4 5.2 1998 10.5 -5.8 2001 60.6 1.8 2004 89.5 66.2 2007 -0.7 -8.3 2010 -39.1 38.4
Age of head 45-54 55-64
65-74
75 or older
55.7 31.1 28.2 23.4 43.9 48.2 46.2 67.4
60.2 34.8 30.7 33.0 33.4 59.7 44.6 57.5
35.9 41.7 21.0 26.4 28.4 37.0 31.1 49.4
9.4 52.6 31.1 30.4 19.0 30.8 41.1 34.4
-44.2 -9.3 -17.0 87.6 9.8 -4.1 45.9
-42.2 -11.8 7.5 1.2 78.7 -25.3 28.9
16.2 -49.6 25.7 7.6 30.3 -15.9 58.8
459.6 -40.9 -2.3 -37.5 62.1 33.4 -16.3
Percent of families with home−equity lines of credit By family structure
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Percent of families with home-equity lines of credit Year
Single with child(ren)
Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
0.8 1.3 0.9 2.7 2.0 5.6 6.5 2.9
Single, no child, age<55
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
0.7 0.8 1.7 1.6 2.9 4.6 6.0 3.3
1.9 1.4 0.7 2.5 0.9 4.1 4.0 5.1
5.5 7.0 4.7 7.4 7.3 13.6 11.0 10.1
2.9 6.2 3.4 4.4 5.9 8.7 10.4 9.0
-0.5 -0.7 1.8 -1.6 3.2 -0.1 1.1
1.5 -2.3 2.7 -0.1 6.3 -2.6 -0.9
3.3 -2.8 1.0 1.5 2.8 1.7 -1.4
Three-year change (percentage points) 1992 0.5 0.1 1995 -0.4 0.9 1998 1.8 -0.1 2001 -0.7 1.3 2004 3.6 1.7 2007 0.9 1.4 2010 -3.6 -2.7
Median value of home−equity lines of credit for families with holdings
Thousands of 2010 dollars
By family structure
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of home-equity lines of credit for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 42.2 27.0 1992 13.6 27.3 1995 14.6 14.2 1998 20.0 13.3 2001 14.7 18.4 2004 27.6 20.0 2007 18.9 21.0 2010 28.0 22.0 Three-year change (percent) 1992 -67.8 1995 7.4 1998 37.0 2001 -26.5 2004 87.8 2007 -31.5 2010 48.1
1.1 -48.0 -6.3 38.3 8.7 5.0 4.8
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
30.4 12.1 56.7 16.0 23.3 19.6 15.7 18.0
32.0 18.2 21.2 20.1 22.1 28.8 34.6 30.0
31.9 21.2 15.7 13.3 12.3 21.9 25.1 20.0
-60.2 368.6 -71.8 45.6 -15.9 -19.9 14.6
-43.1 16.5 -5.2 10.0 30.3 20.1 -13.3
-33.5 -25.9 -15.3 -7.5 78.0 14.6 -20.3
Mean value of home−equity lines of credit for families with holdings
Thousands of 2010 dollars
By family structure
80 70 60 50 40 30 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of home-equity lines of credit for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 27.1 29.8 1992 40.9 58.2 1995 22.4 16.4 1998 20.2 21.6 2001 22.0 19.8 2004 46.8 27.4 2007 32.3 24.9 2010 74.3 49.0 Three-year change (percent) 1992 50.9 1995 -45.2 1998 -9.8 2001 8.9 2004 112.7 2007 -31.0 2010 130.0
95.3 -71.8 31.7 -8.3 38.4 -9.1 96.8
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
36.3 26.3 49.8 20.1 34.3 79.7 24.8 34.7
55.6 29.0 27.2 26.8 38.5 45.2 51.8 64.0
41.9 31.8 22.8 24.6 27.5 43.2 38.6 46.5
-27.5 89.4 -59.6 70.6 132.4 -68.9 39.9
-47.8 -6.2 -1.5 43.7 17.4 14.6 23.6
-24.1 -28.3 7.9 11.8 57.1 -10.6 20.5
Percent of families with home−equity lines of credit By education of head
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with home-equity lines of credit Year
No high school diploma Level (percent) 1989 0.8 1992 0.6 1995 0.4 1998 1.9 2001 2.1 2004 3.0 2007 3.1 2010 3.8
Education of head High school Some college diploma
Three-year change (percentage points) 1992 -0.2 1995 -0.2 1998 1.5 2001 0.2 2004 0.9 2007 0.1 2010 0.7
College degree
3.2 2.4 2.5 3.5 4.0 6.4 7.6 5.7
3.9 5.3 2.1 3.5 3.7 7.3 7.6 5.7
4.6 7.8 5.2 7.2 7.3 13.2 12.0 10.3
-0.8 0.1 1.0 0.5 2.4 1.2 -1.9
1.4 -3.2 1.4 0.2 3.6 0.3 -1.9
3.2 -2.6 2.0 0.1 5.9 -1.2 -1.7
Median value of home−equity lines of credit for families with holdings
Thousands of 2010 dollars
By education of head
40 35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of home-equity lines of credit for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 8.4 1992 28.8 1995 24.1 1998 20.1 2001 8.6 2004 23.0 2007 21.0 2010 19.0 Three-year change (percent) 1992 242.9 1995 -16.3 1998 -16.6 2001 -57.2 2004 167.4 2007 -8.7 2010 -9.5
Education of head High school Some college diploma
College degree
30.4 18.2 17.0 19.3 14.7 18.4 18.9 22.0
42.2 15.2 17.0 10.0 23.3 27.6 20.4 22.0
27.0 18.4 16.6 17.3 19.6 28.8 31.4 30.0
-40.1 -6.6 13.5 -23.8 25.2 2.7 16.4
-64.0 11.8 -41.2 133.0 18.5 -26.1 7.8
-31.9 -9.8 4.2 13.3 46.9 9.0 -4.5
Mean value of home−equity lines of credit for families with holdings By education of head
Thousands of 2010 dollars
70 60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of home-equity lines of credit for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 32.5 1992 31.1 1995 25.8 1998 26.2 2001 13.2 2004 68.1 2007 20.5 2010 22.9 Three-year change (percent) 1992 -4.3 1995 -17.0 1998 1.6 2001 -49.6 2004 415.9 2007 -69.9 2010 11.7
Education of head High school Some college diploma
College degree
45.2 29.1 27.9 20.2 18.7 26.4 30.2 39.6
64.7 29.7 21.6 20.4 29.6 39.0 30.0 44.1
47.7 32.3 25.0 28.2 41.9 53.6 53.2 68.2
-35.6 -4.1 -27.6 -7.4 41.2 14.4 31.1
-54.1 -27.3 -5.6 45.1 31.8 -23.1 47.0
-32.3 -22.6 12.8 48.6 27.9 -0.7 28.2
Percent of families with home−equity lines of credit By race or ethnicity of respondent
12
Percent
10 8 6 4 2 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Percent of families with home-equity lines of credit Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 3.8 5.2 3.3 5.0 5.7 10.5 9.8 8.7
Three-year change (percentage points) 1992 1.4 1995 -1.9 1998 1.7 2001 0.7 2004 4.8 2007 -0.7 2010 -1.1
1.2 1.4 1.4 2.6 1.9 3.6 5.5 3.9 0.2 0.0 1.2 -0.7 1.7 1.9 -1.6
Median value of home−equity lines of credit for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
40 35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of home-equity lines of credit for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 29.5 42.2 1992 18.2 18.2 1995 17.4 14.2 1998 17.3 17.1 2001 18.4 8.6 2004 25.3 23.0 2007 21.0 31.4 2010 25.0 32.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-38.3 -4.4 -0.6 6.4 37.5 -17.0 19.0
-56.9 -22.0 20.4 -49.7 167.4 36.5 1.9
Mean value of home−equity lines of credit for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
60
50
40
30
20 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of home-equity lines of credit for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 50.1 41.8 1992 31.6 25.5 1995 25.8 21.4 1998 25.2 23.8 2001 33.2 20.4 2004 47.5 32.5 2007 40.8 42.3 2010 53.0 61.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-36.9 -18.4 -2.3 31.7 43.1 -14.1 29.9
-39.0 -16.1 11.2 -14.3 59.3 30.2 44.7
Percent of families with home−equity lines of credit By current work status of head
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Percent of families with home-equity lines of credit Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
Current work status of head Self-employed Retired
4.2 4.9 3.4 5.3 5.3 9.3 9.3 7.4
Three-year change (percentage points) 1992 0.7 1995 -1.5 1998 1.9 2001 0.0 2004 4.0 2007 0.0 2010 -1.9
Other not working
3.9 7.7 4.4 6.7 8.0 13.2 11.0 13.1
1.0 2.6 1.7 2.2 2.6 5.6 6.5 4.7
1.0 1.2 0.5 0.7 0.6 1.8 3.6 4.2
3.8 -3.3 2.3 1.3 5.2 -2.2 2.1
1.6 -0.9 0.5 0.4 3.0 0.9 -1.8
0.2 -0.7 0.2 -0.1 1.2 1.8 0.6
Median value of home−equity lines of credit for families with holdings By current work status of head
Thousands of 2010 dollars
60 50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of home-equity lines of credit for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 31.9 1992 18.2 1995 14.6 1998 15.6 2001 18.4 2004 24.7 2007 22.8 2010 22.0
32.0 20.5 25.5 22.7 25.1 34.5 47.6 50.0
11.8 15.2 18.4 21.1 8.6 20.7 13.6 19.0
3.4 40.9 58.1 23.7 20.8 1.7 52.4 44.0
Three-year change (percent) 1992 -42.9 1995 -19.8 1998 6.8 2001 17.9 2004 34.2 2007 -7.7 2010 -3.5
-35.9 24.4 -11.0 10.6 37.5 38.0 5.0
28.8 21.1 14.7 -59.2 140.7 -34.3 39.7
1102.9 42.1 -59.2 -12.2 -91.8 2982.4 -16.0
Mean value of home−equity lines of credit for families with holdings By current work status of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of home-equity lines of credit for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 42.3 1992 27.2 1995 24.8 1998 20.4 2001 27.4 2004 38.9 2007 37.2 2010 44.4
93.6 43.3 27.3 36.0 59.0 74.9 76.4 94.8
51.6 27.9 23.4 36.2 14.4 42.3 26.3 34.0
3.4 53.9 58.1 25.2 20.8 16.8 70.9 76.7
Three-year change (percent) 1992 -35.7 1995 -8.8 1998 -17.7 2001 34.3 2004 42.0 2007 -4.4 2010 19.4
-53.7 -37.0 31.9 63.9 26.9 2.0 24.1
-45.9 -16.1 54.7 -60.2 193.8 -37.8 29.3
1485.3 7.8 -56.6 -17.5 -19.2 322.0 8.2
Percent of families with home−equity lines of credit By current occupation of head
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with home-equity lines of credit Year
Managerial or professional Level (percent) 1989 6.3 1992 9.5 1995 5.9 1998 8.6 2001 6.9 2004 14.6 2007 12.7 2010 11.9
Current occupation of head Technical, sales, Other or services occupation
Three-year change (percentage points) 1992 3.2 1995 -3.6 1998 2.7 2001 -1.7 2004 7.7 2007 -1.9 2010 -0.8
Retired or other not working
3.7 3.6 2.6 3.5 4.9 6.6 8.6 5.4
2.6 2.9 2.5 4.2 5.1 7.2 6.5 6.7
1.0 2.3 1.4 2.0 2.3 5.0 6.0 4.6
-0.1 -1.0 0.9 1.4 1.7 2.0 -3.2
0.3 -0.4 1.7 0.9 2.1 -0.7 0.2
1.3 -0.9 0.6 0.3 2.7 1.0 -1.4
Median value of home−equity lines of credit for families with holdings
Thousands of 2010 dollars
By current occupation of head
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of home-equity lines of credit for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 32.0 31.9 28.7 1992 16.7 21.2 18.2 1995 24.1 10.7 17.0 1998 17.3 20.0 14.7 2001 23.3 19.6 14.7 2004 31.1 29.9 18.4 2007 28.3 21.0 26.2 2010 30.0 22.0 17.0 Year
Three-year change (percent) 1992 -47.8 1995 44.3 1998 -28.2 2001 34.7 2004 33.5 2007 -9.0 2010 6.0
-33.5 -49.5 86.9 -2.0 52.6 -29.8 4.8
-36.6 -6.6 -13.5 0.0 25.2 42.4 -35.1
Retired or other not working 6.7 18.2 19.8 23.6 8.6 19.6 15.7 20.0 171.6 8.8 19.2 -63.6 127.9 -19.9 27.4
Mean value of home−equity lines of credit for families with holdings By current occupation of head
Thousands of 2010 dollars
70 60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of home-equity lines of credit for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 51.3 47.8 50.6 1992 33.1 29.8 25.6 1995 31.0 21.3 18.4 1998 25.8 24.2 18.1 2001 49.3 27.6 17.2 2004 58.9 35.4 25.4 2007 56.7 28.8 32.3 2010 69.6 45.3 37.6 Year
Three-year change (percent) 1992 -35.5 1995 -6.3 1998 -16.8 2001 91.1 2004 19.5 2007 -3.7 2010 22.8
-37.7 -28.5 13.6 14.0 28.3 -18.6 57.3
-49.4 -28.1 -1.6 -5.0 47.7 27.2 16.4
Retired or other not working 41.6 31.3 25.7 35.6 14.7 40.8 30.4 42.5 -24.8 -17.9 38.5 -58.7 177.6 -25.5 39.8
Percent of families with home−equity lines of credit By region
12
Percent
10 8 6 4 2 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Percent of families with home-equity lines of credit Region Year Northeast Level (percent) 1989 5.3 1992 6.1 1995 3.9 1998 6.8 2001 6.2 2004 12.0 2007 10.7 2010 10.4
Midwest
South
West
4.0 5.0 4.2 5.7 7.1 11.7 9.2 6.9
1.8 3.3 2.0 3.5 3.8 5.5 5.5 5.9
2.2 3.3 1.9 2.6 2.7 7.4 11.0 6.9
1.0 -0.8 1.5 1.4 4.6 -2.5 -2.3
1.5 -1.3 1.5 0.3 1.7 0.0 0.4
1.1 -1.4 0.7 0.1 4.7 3.6 -4.1
Three-year change (percentage points) 1992 0.8 1995 -2.2 1998 2.9 2001 -0.6 2004 5.8 2007 -1.3 2010 -0.3
Median value of home−equity lines of credit for families with holdings By region
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of home-equity lines of credit for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 33.7 1992 21.2 1995 21.2 1998 20.0 2001 17.8 2004 34.5 2007 26.2 2010 22.0 Three-year change (percent) 1992 -37.1 1995 0.0 1998 -5.7 2001 -11.0 2004 93.8 2007 -24.1 2010 -16.0
Midwest
South
West
21.9 18.2 12.7 13.3 18.4 24.7 17.8 19.0
25.3 15.6 18.4 17.3 14.7 21.4 20.5 20.0
59.0 27.3 28.3 14.7 24.5 32.2 41.9 48.0
-16.9 -30.2 4.7 38.3 34.2 -27.9 6.7
-38.3 17.9 -6.0 -15.0 45.6 -4.2 -2.4
-53.7 3.7 -48.1 66.7 31.4 30.1 14.6
Mean value of home−equity lines of credit for families with holdings By region
Thousands of 2010 dollars
80 70 60 50 40 30 20 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of home-equity lines of credit for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 56.6 1992 27.4 1995 22.4 1998 24.9 2001 31.7 2004 54.3 2007 46.7 2010 54.5 Three-year change (percent) 1992 -51.6 1995 -18.2 1998 11.2 2001 27.3 2004 71.3 2007 -14.0 2010 16.7
Midwest
South
West
33.6 34.5 24.1 26.1 27.6 38.9 27.3 43.0
47.1 24.7 24.5 23.9 32.2 38.0 30.8 46.2
68.9 42.6 35.2 24.9 43.8 55.2 57.0 78.4
2.7 -30.1 8.3 5.7 40.9 -29.8 57.5
-47.6 -0.8 -2.4 34.7 18.0 -18.9 50.0
-38.2 -17.4 -29.3 75.9 26.0 3.3 37.5
Percent of families with home−equity lines of credit By urbanicity
10
Percent
8 6 4 2 0 1989
1992
1995
1998 2001 Year
2004
2007
Metropolitan Statistical Area (MSA)
Non−MSA
Percent of families with home-equity lines of credit Urbanicity Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Metropolitan Statistical Area (MSA)
Non-MSA
3.6 4.8 3.1 4.4 4.9 9.3 9.0 7.4
1.3 1.8 1.7 4.9 4.0 5.0 6.4 6.2
Three-year change (percentage points) 1992 1.2 1995 -1.7 1998 1.3 2001 0.5 2004 4.4 2007 -0.3 2010 -1.6
2010
0.5 -0.1 3.2 -0.9 1.0 1.4 -0.2
Median value of home−equity lines of credit for families with holdings
Thousands of 2010 dollars
By urbanicity
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of home-equity lines of credit for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 31.9 1992 20.8 1995 18.3 1998 17.3 2001 18.4 2004 26.5 2007 25.1 2010 29.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-34.8 -12.0 -5.5 6.4 44.0 -5.3 15.5
2010
Non-MSA
13.5 13.6 6.4 16.5 14.7 15.0 14.7 16.0 0.7 -52.9 157.8 -10.9 2.0 -2.0 8.8
Mean value of home−equity lines of credit for families with holdings By urbanicity
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of home-equity lines of credit for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 51.0 1992 32.2 1995 26.2 1998 25.8 2001 33.0 2004 48.8 2007 43.7 2010 59.1 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-36.9 -18.6 -1.5 27.9 47.9 -10.5 35.2
2010
Non-MSA
28.8 18.3 15.8 20.5 23.6 19.1 23.2 28.3 -36.5 -13.7 29.7 15.1 -19.1 21.5 22.0
Percent of families with home−equity lines of credit By housing status
12
Percent
10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Percent of families with home-equity lines of credit Housing status Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Owner
Renter or other
4.9 6.7 4.4 6.7 7.1 12.4 12.4 10.7
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Three-year change (percentage points) 1992 1.8 1995 -2.3 1998 2.3 2001 0.4 2004 5.3 2007 0.0 2010 -1.7
0.0 0.0 0.0 0.0 0.0 0.0 0.0
2010
Median value of home−equity lines of credit for families with holdings By housing status
Thousands of 2010 dollars
30
25
20
15 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of home-equity lines of credit for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 30.4 1992 18.2 1995 17.0 1998 17.3 2001 18.4 2004 25.3 2007 25.1 2010 26.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-40.1 -6.6 1.8 6.4 37.5 -0.8 5.2
Renter or other . . . . . . . . . . . . . . .
2010
Mean value of home−equity lines of credit for families with holdings By housing status
Thousands of 2010 dollars
55 50 45 40 35 30 25 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of home-equity lines of credit for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 49.3 1992 31.1 1995 25.3 1998 25.0 2001 31.9 2004 45.8 2007 41.1 2010 54.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-36.9 -18.6 -1.2 27.6 43.6 -10.3 32.6
Renter or other . . . . . . . . . . . . . . .
2010
Percent of families with home−equity lines of credit By percentile of net worth
20
Percent
15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Percent of families with home-equity lines of credit Year Less than 25 Level (percent) 1989 0.0 1992 0.1 1995 0.4 1998 0.3 2001 0.7 2004 1.1 2007 0.6 2010 1.6
25-49.9
Percentile of net worth 50-74.9
75-89.9
90-100
0.8 2.1 1.2 3.6 2.8 4.5 5.4 4.3
5.1 4.7 3.2 6.4 6.1 11.9 12.4 8.6
7.0 9.1 5.1 7.1 9.8 16.3 15.0 15.4
6.0 11.8 8.9 8.4 9.1 17.5 16.5 12.5
-0.4 -1.5 3.2 -0.3 5.8 0.5 -3.8
2.1 -4.0 2.0 2.7 6.5 -1.3 0.4
5.8 -2.9 -0.5 0.7 8.4 -1.0 -4.0
Three-year change (percentage points) 1992 0.1 1.3 1995 0.3 -0.9 1998 -0.1 2.4 2001 0.4 -0.8 2004 0.4 1.7 2007 -0.5 0.9 2010 1.0 -1.1
Median value of home−equity lines of credit for families with holdings By percentile of net worth
Thousands of 2010 dollars
2000 1500 1000 500 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of home-equity lines of credit for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 2024.0 13.9 1992 2.4 13.6 1995 14.6 9.9 1998 6.6 16.0 2001 13.5 14.7 2004 17.3 27.6 2007 35.6 14.7 2010 56.0 19.0 Three-year change (percent) 1992 -99.9 1995 508.3 1998 -54.8 2001 104.5 2004 28.1 2007 105.8 2010 57.3
-2.2 -27.2 61.6 -8.1 87.8 -46.7 29.3
Percentile of net worth 50-74.9
75-89.9
90-100
31.9 15.6 17.0 14.7 12.3 19.5 19.9 19.7
30.4 19.1 16.3 26.7 23.3 26.5 31.4 25.0
45.5 30.3 21.2 24.0 23.3 43.7 44.0 75.0
-51.1 9.0 -13.5 -16.3 58.5 2.1 -1.0
-37.2 -14.7 63.8 -12.7 13.7 18.5 -20.4
-33.4 -30.0 13.2 -2.9 87.6 0.7 70.5
Mean value of home−equity lines of credit for families with holdings
Thousands of 2010 dollars
By percentile of net worth
1200 1000 800 600 400 200 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of home-equity lines of credit for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1232.2 15.6 1992 2.4 19.0 1995 27.6 13.7 1998 18.5 19.2 2001 16.7 20.2 2004 16.4 28.4 2007 47.0 20.9 2010 61.7 30.6 Three-year change (percent) 1992 -99.8 1995 1050.0 1998 -33.0 2001 -9.7 2004 -1.8 2007 186.6 2010 31.3
21.8 -27.9 40.1 5.2 40.6 -26.4 46.4
Percentile of net worth 50-74.9
75-89.9
90-100
36.4 22.2 21.4 18.9 15.9 26.9 30.3 32.2
44.9 26.6 22.2 27.8 30.3 40.1 47.0 51.3
82.8 51.5 35.3 39.7 73.2 101.6 69.5 117.1
-39.0 -3.6 -11.7 -15.9 69.2 12.6 6.3
-40.8 -16.5 25.2 9.0 32.3 17.2 9.1
-37.8 -31.5 12.5 84.4 38.8 -31.6 68.5
Percent of families with other residential real estate debt For all families
6
Percent
5.5
5
4.5
4 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
2007
Percent of families with other residential real estate debt All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
5.1 5.7 4.7 5.0 4.6 4.0 5.5 5.3 0.6 -1.0 0.3 -0.4 -0.6 1.5 -0.2
2010
Median value of other residential real estate debt for families with holdings For all families
Thousands of 2010 dollars
100
80
60
40 1989
1992
1995
1998 2001 Year
2004
2007
2010
Median value of other residential real estate debt for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 42.2 37.9 42.5 54.7 49.0 100.1 104.8 98.0 -10.2 12.1 28.7 -10.4 104.3 4.7 -6.5
Mean value of other residential real estate debt for families with holdings For all families
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
2004
2007
2010
Mean value of other residential real estate debt for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 65.9 86.7 82.8 93.9 90.7 191.8 185.7 179.6 31.6 -4.5 13.4 -3.4 111.5 -3.2 -3.3
Percent of families with other residential real estate debt By percentile of income
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with other residential real estate debt Percentile of income Year Less than 20-39.9 40-59.9 60-79.9 80-89.9 20 Level (percent) 1989 0.8 1.0 3.3 5.5 10.7 1992 0.5 1.9 4.0 5.7 9.8 1995 1.3 1.6 3.1 5.1 7.9 1998 0.7 2.0 4.1 6.7 7.8 2001 0.4 1.8 3.2 5.3 10.3 2004 0.3 1.5 2.6 4.1 7.6 2007 1.1 1.9 2.6 6.9 8.5 2010 1.3 1.7 3.5 6.0 9.1 Three-year change (percentage points) 1992 -0.3 0.9 1995 0.8 -0.3 1998 -0.6 0.4 2001 -0.3 -0.2 2004 -0.1 -0.3 2007 0.8 0.4 2010 0.2 -0.2
0.7 -0.9 1.0 -0.9 -0.6 0.0 0.9
0.2 -0.6 1.6 -1.4 -1.2 2.8 -0.9
2010
-0.9 -1.9 -0.1 2.5 -2.7 0.9 0.6
90-100
19.3 22.4 17.2 15.3 14.2 15.4 21.9 19.4 3.1 -5.2 -1.9 -1.1 1.2 6.5 -2.5
Median value of other residential real estate debt for families with holdings By percentile of income
Thousands of 2010 dollars
200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of other residential real estate debt for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 6.1 21.1 1992 39.4 6.1 1995 11.3 28.3 1998 66.7 44.0 2001 12.3 36.8 2004 9.2 37.4 2007 73.3 44.0 2010 72.0 60.0 Three-year change (percent) 1992 545.9 -71.1 1995 -71.3 363.9 1998 490.3 55.5 2001 -81.6 -16.4 2004 -25.2 1.6 2007 696.7 17.6 2010 -1.8 36.4
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
23.6 23.1 30.6 25.3 47.5 75.9 72.1 62.5
24.2 27.3 42.5 40.0 51.5 71.3 87.0 66.9
45.5 38.1 42.5 56.9 38.2 89.8 131.0 88.0
70.8 71.3 49.6 93.4 95.6 183.0 154.5 180.0
-2.1 32.5 -17.3 87.7 59.8 -5.0 -13.3
12.8 55.7 -5.9 28.8 38.4 22.0 -23.1
-16.3 11.5 33.9 -32.9 135.1 45.9 -32.8
0.7 -30.4 88.3 2.4 91.4 -15.6 16.5
Mean value of other residential real estate debt for families with holdings By percentile of income
Thousands of 2010 dollars
400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of other residential real estate debt for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 16.1 36.6 1992 34.3 15.3 1995 36.6 45.4 1998 80.9 61.1 2001 18.9 38.2 2004 270.0 83.9 2007 107.4 71.6 2010 175.6 130.2 Three-year change (percent) 1992 113.0 -58.2 1995 6.7 196.7 1998 121.0 34.6 2001 -76.6 -37.5 2004 1328.6 119.6 2007 -60.2 -14.7 2010 63.5 81.8
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
39.1 65.2 55.6 51.7 60.7 85.3 90.4 81.7
34.8 58.6 58.9 79.1 63.5 113.6 152.7 103.3
62.3 68.1 74.9 89.5 68.1 100.8 178.6 131.3
102.0 131.3 124.2 141.4 158.1 333.1 259.6 293.3
66.8 -14.7 -7.0 17.4 40.5 6.0 -9.6
68.4 0.5 34.3 -19.7 78.9 34.4 -32.4
9.3 10.0 19.5 -23.9 48.0 77.2 -26.5
28.7 -5.4 13.8 11.8 110.7 -22.1 13.0
Percent of families with other residential real estate debt By age of head
10
Percent
8 6 4 2 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with other residential real estate debt Age of head Year Less than 35-44 45-54 55-64 65-74 35 Level (percent) 1989 1.6 7.0 10.7 7.4 4.0 1992 3.0 7.1 9.3 9.9 3.1 1995 2.1 4.9 8.4 8.3 3.5 1998 1.8 6.6 6.7 7.8 5.1 2001 2.7 4.9 6.4 7.4 3.4 2004 2.1 4.0 6.3 5.9 3.2 2007 3.3 6.5 8.0 7.8 5.0 2010 2.9 5.1 7.6 7.6 5.0 Three-year change (percentage points) 1992 1.4 0.1 1995 -0.9 -2.2 1998 -0.3 1.7 2001 0.9 -1.7 2004 -0.6 -0.9 2007 1.2 2.5 2010 -0.4 -1.4
-1.4 -0.9 -1.7 -0.3 -0.1 1.7 -0.4
2.5 -1.6 -0.5 -0.4 -1.5 1.9 -0.2
2010
-0.9 0.4 1.6 -1.7 -0.2 1.8 0.0
75 or older
0.7 0.7 1.0 1.8 2.0 1.5 0.6 2.9 0.0 0.3 0.8 0.2 -0.5 -0.9 2.3
Median value of other residential real estate debt for families with holdings By age of head
Thousands of 2010 dollars
400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of other residential real estate debt for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 27.0 59.0 1992 25.8 40.9 1995 35.4 45.0 1998 73.4 53.4 2001 63.7 60.0 2004 71.9 86.3 2007 81.7 106.4 2010 89.0 85.0 Three-year change (percent) 1992 -4.4 -30.7 1995 37.2 10.0 1998 107.3 18.7 2001 -13.2 12.4 2004 12.9 43.8 2007 13.6 23.3 2010 8.9 -20.1
Age of head 45-54 55-64
65-74
75 or older
33.7 51.5 42.5 53.4 41.0 100.1 85.9 115.0
57.3 30.3 46.7 54.7 47.5 125.2 136.2 98.0
21.1 25.8 46.7 74.7 94.4 115.1 131.0 125.0
9.3 363.4 11.3 39.7 51.5 44.9 52.4 74.8
52.8 -17.5 25.6 -23.2 144.1 -14.2 33.9
-47.1 54.1 17.1 -13.2 163.6 8.8 -28.0
22.3 81.0 60.0 26.4 21.9 13.8 -4.6
3807.5 -96.9 251.3 29.7 -12.8 16.7 42.7
Mean value of other residential real estate debt for families with holdings
Thousands of 2010 dollars
By age of head
300
200
100
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of other residential real estate debt for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 60.6 73.6 1992 70.8 70.6 1995 61.5 76.4 1998 77.0 92.4 2001 85.9 87.5 2004 116.5 147.3 2007 126.1 207.1 2010 101.4 131.5 Three-year change (percent) 1992 16.8 -4.1 1995 -13.1 8.2 1998 25.2 20.9 2001 11.6 -5.3 2004 35.6 68.3 2007 8.2 40.6 2010 -19.6 -36.5
Age of head 45-54 55-64
65-74
75 or older
57.7 95.5 91.2 96.3 77.2 230.4 159.4 225.3
85.6 86.4 87.4 99.4 99.8 240.6 218.9 178.2
38.9 114.0 80.1 105.1 150.6 172.9 214.5 247.2
21.4 324.0 99.9 65.1 58.3 98.7 189.7 118.8
65.5 -4.5 5.6 -19.8 198.4 -30.8 41.3
0.9 1.2 13.7 0.4 141.1 -9.0 -18.6
193.1 -29.7 31.2 43.3 14.8 24.1 15.2
1414.0 -69.2 -34.8 -10.4 69.3 92.2 -37.4
Percent of families with other residential real estate debt By family structure
10
Percent
8 6 4 2 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with other residential real estate debt Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 3.5 2.4 1.9 6.4 1992 2.5 4.3 1.7 7.1 1995 1.8 3.1 1.9 6.6 1998 2.0 4.4 2.6 5.6 2001 2.4 2.7 3.0 6.8 2004 1.6 3.6 2.5 5.1 2007 2.7 3.5 1.9 8.4 2010 2.6 2.7 3.2 7.3 Three-year change (percentage points) 1992 -1.0 1.9 1995 -0.7 -1.2 1998 0.2 1.3 2001 0.4 -1.7 2004 -0.8 0.9 2007 1.1 -0.1 2010 -0.1 -0.8
2010
-0.2 0.2 0.7 0.4 -0.5 -0.6 1.3
0.7 -0.5 -1.0 1.2 -1.7 3.3 -1.1
Couple, no child
8.0 8.6 6.2 7.2 4.8 5.0 6.6 6.9 0.6 -2.4 1.0 -2.4 0.2 1.6 0.3
Median value of other residential real estate debt for families with holdings
Thousands of 2010 dollars
By family structure
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of other residential real estate debt for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 45.5 65.8 1992 21.2 22.7 1995 35.4 60.9 1998 20.0 81.4 2001 20.8 63.7 2004 36.2 86.6 2007 89.1 82.2 2010 95.0 99.0 Three-year change (percent) 1992 -53.4 1995 67.0 1998 -43.5 2001 4.0 2004 74.0 2007 146.1 2010 6.6
-65.5 168.3 33.7 -21.7 35.9 -5.1 20.4
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
18.6 41.7 14.2 69.4 43.3 92.1 141.4 72.0
50.6 39.4 42.5 52.7 49.0 109.3 97.4 106.3
40.7 38.6 45.0 40.9 49.0 115.1 131.0 97.0
124.2 -65.9 388.7 -37.6 112.7 53.5 -49.1
-22.1 7.9 24.0 -7.0 123.1 -10.9 9.1
-5.2 16.6 -9.1 19.8 134.9 13.8 -26.0
Mean value of other residential real estate debt for families with holdings
Thousands of 2010 dollars
By family structure
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of other residential real estate debt for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 55.0 85.2 1992 94.3 55.3 1995 65.1 60.4 1998 38.8 92.0 2001 65.5 90.5 2004 73.3 116.9 2007 113.4 158.3 2010 101.8 132.2 Three-year change (percent) 1992 71.5 1995 -31.0 1998 -40.4 2001 68.8 2004 11.9 2007 54.7 2010 -10.2
-35.1 9.2 52.3 -1.6 29.2 35.4 -16.5
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
36.7 112.5 65.0 128.7 53.4 132.9 188.0 129.9
66.0 87.1 91.3 106.0 89.8 233.5 188.6 208.3
69.0 92.4 83.7 82.8 107.7 205.9 202.0 180.0
206.5 -42.2 98.0 -58.5 148.9 41.5 -30.9
32.0 4.8 16.1 -15.3 160.0 -19.2 10.4
33.9 -9.4 -1.1 30.1 91.2 -1.9 -10.9
Percent of families with other residential real estate debt By education of head
12
Percent
10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Percent of families with other residential real estate debt Education of head Year No high school High school Some college College degree diploma diploma Level (percent) 1989 1.4 4.3 5.0 9.4 1992 1.6 2.8 5.4 11.1 1995 2.8 3.9 4.2 7.0 1998 1.1 3.7 5.4 7.9 2001 1.4 2.9 4.5 7.7 2004 0.3 2.2 4.7 6.7 2007 1.9 3.2 6.4 8.7 2010 1.1 2.8 4.7 9.2 Three-year change (percentage points) 1992 0.2 1995 1.2 1998 -1.7 2001 0.3 2004 -1.1 2007 1.6 2010 -0.8
-1.5 1.1 -0.2 -0.8 -0.7 1.0 -0.4
0.4 -1.2 1.2 -0.9 0.2 1.7 -1.7
1.7 -4.1 0.9 -0.2 -1.0 2.0 0.5
Median value of other residential real estate debt for families with holdings By education of head
Thousands of 2010 dollars
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of other residential real estate debt for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 18.6 1992 22.7 1995 11.3 1998 19.8 2001 31.4 2004 92.1 2007 55.8 2010 40.0 Three-year change (percent) 1992 22.0 1995 -50.2 1998 75.2 2001 58.6 2004 193.3 2007 -39.4 2010 -28.3
Education of head High school Some college diploma
College degree
23.6 33.4 49.6 37.3 46.0 54.1 85.9 62.5
41.5 42.6 35.4 58.7 51.5 86.3 83.8 61.2
59.0 40.9 49.6 69.8 56.4 120.8 131.0 125.0
41.5 48.5 -24.8 23.3 17.6 58.8 -27.2
2.7 -16.9 65.8 -12.3 67.6 -2.9 -26.8
-30.7 21.3 40.7 -19.2 114.2 8.4 -4.6
Mean value of other residential real estate debt for families with holdings By education of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of other residential real estate debt for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 39.0 1992 38.6 1995 30.2 1998 27.1 2001 58.8 2004 251.8 2007 219.3 2010 147.1 Three-year change (percent) 1992 -1.0 1995 -21.8 1998 -10.3 2001 117.0 2004 328.2 2007 -12.9 2010 -32.9
Education of head High school Some college diploma
College degree
43.9 61.8 81.1 47.1 68.6 106.7 131.2 102.2
71.7 81.4 63.4 82.8 76.5 177.3 132.6 132.3
79.3 98.3 103.6 124.0 105.6 219.1 222.2 212.8
40.8 31.2 -41.9 45.6 55.5 23.0 -22.1
13.5 -22.1 30.6 -7.6 131.8 -25.2 -0.2
24.0 5.4 19.7 -14.8 107.5 1.4 -4.2
Percent of families with other residential real estate debt By race or ethnicity of respondent
7
Percent
6 5 4 3 2 1989
1992
1995
1998
2001
2004
2007
2010
Year White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Nonwhite or Hispanic
Percent of families with other residential real estate debt Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 5.7 6.4 5.1 5.3 5.3 4.4 5.8 6.1
Three-year change (percentage points) 1992 0.7 1995 -1.3 1998 0.2 2001 0.0 2004 -0.9 2007 1.4 2010 0.3
3.3 3.3 3.5 4.0 2.4 3.0 4.8 3.8 0.0 0.2 0.5 -1.6 0.6 1.8 -1.0
Median value of other residential real estate debt for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of other residential real estate debt for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 43.7 36.7 1992 39.4 27.3 1995 46.7 35.4 1998 56.9 53.4 2001 49.0 49.0 2004 100.1 75.9 2007 95.2 120.2 2010 110.0 80.0 Three-year change (percent) 1992 -9.8 1995 18.5 1998 21.8 2001 -13.9 2004 104.3 2007 -4.9 2010 15.5
-25.6 29.7 50.8 -8.2 54.9 58.4 -33.4
Mean value of other residential real estate debt for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of other residential real estate debt for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 65.9 65.7 1992 87.9 79.8 1995 88.6 53.8 1998 99.6 68.4 2001 90.5 92.5 2004 188.2 205.9 2007 179.8 202.9 2010 192.6 136.8 Three-year change (percent) 1992 33.4 1995 0.8 1998 12.4 2001 -9.1 2004 108.0 2007 -4.5 2010 7.1
21.5 -32.6 27.1 35.2 122.6 -1.5 -32.6
Percent of families with other residential real estate debt By current work status of head
Percent
15
10
5
0 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Self−employed Other not working
Percent of families with other residential real estate debt Current work status of head Employee Self-employed Retired
5.8 6.2 5.4 5.1 5.3 4.1 5.4 5.3
Three-year change (percentage points) 1992 0.4 1995 -0.8 1998 -0.3 2001 0.2 2004 -1.2 2007 1.3 2010 -0.1
2010
Other not working
8.6 12.8 8.1 10.7 7.3 10.2 15.1 12.4
2.8 2.6 2.4 3.1 1.9 1.2 2.6 2.9
2.4 2.6 2.0 0.6 2.4 1.7 1.8 2.8
4.2 -4.7 2.6 -3.4 2.9 4.9 -2.7
-0.2 -0.2 0.7 -1.2 -0.7 1.4 0.3
0.2 -0.6 -1.4 1.8 -0.7 0.1 1.0
Median value of other residential real estate debt for families with holdings By current work status of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of other residential real estate debt for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 46.7 1992 33.5 1995 41.1 1998 49.4 2001 46.0 2004 95.5 2007 93.2 2010 92.0
67.5 65.2 59.5 72.0 107.2 115.1 158.8 140.0
23.6 27.3 46.7 45.4 53.6 90.9 104.8 62.0
10.1 40.9 28.3 117.5 36.8 161.1 241.0 94.0
Three-year change (percent) 1992 -28.3 1995 22.7 1998 20.2 2001 -6.9 2004 107.6 2007 -2.4 2010 -1.3
-3.4 -8.7 21.0 48.9 7.4 38.0 -11.8
15.7 71.1 -2.8 18.1 69.6 15.3 -40.8
305.0 -30.8 315.2 -68.7 337.8 49.6 -61.0
Mean value of other residential real estate debt for families with holdings By current work status of head
Thousands of 2010 dollars
300 250 200 150 100 50 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of other residential real estate debt for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 63.5 1992 66.8 1995 77.2 1998 82.2 2001 73.0 2004 156.2 2007 147.9 2010 151.9
101.0 145.2 119.6 124.2 155.4 268.1 248.5 278.7
36.7 81.4 69.1 91.3 108.5 179.0 214.8 120.1
34.5 34.0 45.9 117.5 35.9 172.8 230.2 105.9
Three-year change (percent) 1992 5.2 1995 15.6 1998 6.5 2001 -11.2 2004 114.0 2007 -5.3 2010 2.7
43.8 -17.6 3.8 25.1 72.5 -7.3 12.2
121.8 -15.1 32.1 18.8 65.0 20.0 -44.1
-1.4 35.0 156.0 -69.4 381.3 33.2 -54.0
Percent of families with other residential real estate debt By current occupation of head
12
Percent
10 8 6 4 2 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Percent of families with other residential real estate debt Current occupation of head Year Managerial or Technical, sales, Other Retired or other professional or services occupation not working Level (percent) 1989 10.9 4.7 3.5 2.7 1992 11.4 5.3 5.0 2.6 1995 9.2 3.7 5.1 2.3 1998 7.7 5.7 4.7 2.6 2001 9.2 3.5 3.3 2.0 2004 7.8 3.4 3.2 1.3 2007 10.0 4.5 5.1 2.5 2010 9.8 4.1 4.4 2.9 Three-year change (percentage points) 1992 0.5 1995 -2.2 1998 -1.5 2001 1.5 2004 -1.4 2007 2.2 2010 -0.2
0.6 -1.6 2.0 -2.2 -0.1 1.1 -0.4
1.5 0.1 -0.4 -1.4 -0.1 1.9 -0.7
-0.1 -0.3 0.3 -0.6 -0.7 1.2 0.4
Median value of other residential real estate debt for families with holdings By current occupation of head
Thousands of 2010 dollars
140 120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of other residential real estate debt for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 59.0 59.0 22.5 1992 57.2 23.3 51.5 1995 56.7 35.4 35.6 1998 62.7 69.4 37.2 2001 63.5 51.5 33.1 2004 105.9 120.8 89.8 2007 136.2 110.0 62.9 2010 140.0 86.3 52.0 Year
Three-year change (percent) 1992 -3.1 1995 -0.9 1998 10.6 2001 1.3 2004 66.8 2007 28.6 2010 2.8
-60.5 51.9 96.0 -25.8 134.6 -8.9 -21.5
128.9 -30.9 4.5 -11.0 171.3 -30.0 -17.3
Retired or other not working 23.6 28.0 32.6 72.0 42.9 111.6 104.8 72.0 18.6 16.4 120.9 -40.4 160.1 -6.1 -31.3
Mean value of other residential real estate debt for families with holdings By current occupation of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of other residential real estate debt for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 83.1 72.7 40.2 1992 102.0 85.7 63.8 1995 110.4 81.4 53.9 1998 115.2 100.7 54.8 2001 106.3 88.2 38.0 2004 236.9 146.6 106.9 2007 217.4 165.9 100.5 2010 237.7 160.7 76.6 Year
Three-year change (percent) 1992 22.7 1995 8.2 1998 4.3 2001 -7.7 2004 122.9 2007 -8.2 2010 9.3
17.9 -5.0 23.7 -12.4 66.2 13.2 -3.1
58.7 -15.5 1.7 -30.7 181.3 -6.0 -23.8
Retired or other not working 36.3 70.2 65.0 92.2 94.2 177.7 216.5 117.1 93.4 -7.4 41.8 2.2 88.6 21.8 -45.9
Percent of families with other residential real estate debt By region
8
Percent
7 6 5 4 3 1989
1992
1995
1998
2001
2004
2007
2010
Year Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Midwest
South
Percent of families with other residential real estate debt Region Northeast Midwest South 3.6 4.4 5.5 5.5 4.9 3.5 4.9 5.5
Three-year change (percentage points) 1992 0.8 1995 1.1 1998 0.0 2001 -0.6 2004 -1.4 2007 1.4 2010 0.6
West
4.7 5.9 3.8 3.6 4.5 4.1 5.2 4.2
5.3 4.7 4.5 5.0 4.3 3.2 4.6 4.8
6.9 8.2 5.3 6.1 4.8 5.8 8.1 7.3
1.2 -2.1 -0.2 0.9 -0.4 1.1 -1.0
-0.6 -0.2 0.5 -0.7 -1.1 1.4 0.2
1.3 -2.9 0.8 -1.3 1.0 2.3 -0.8
Median value of other residential real estate debt for families with holdings By region
Thousands of 2010 dollars
200 150 100 50 0 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of other residential real estate debt for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 67.5 1992 42.4 1995 49.6 1998 73.4 2001 57.6 2004 115.1 2007 99.5 2010 118.8 Three-year change (percent) 1992 -37.2 1995 17.0 1998 48.0 2001 -21.5 2004 99.8 2007 -13.6 2010 19.4
Midwest
South
West
25.0 22.7 32.3 26.7 39.4 92.1 86.5 85.0
31.8 51.5 35.4 45.4 49.0 95.5 83.8 88.0
59.0 31.4 85.0 91.1 56.4 100.1 167.6 125.0
-9.2 42.3 -17.3 47.6 133.8 -6.1 -1.7
61.9 -31.3 28.2 7.9 94.9 -12.3 5.0
-46.8 170.7 7.2 -38.1 77.5 67.4 -25.4
Mean value of other residential real estate debt for families with holdings By region
Thousands of 2010 dollars
250 200 150 100 50 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of other residential real estate debt for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 83.7 1992 115.9 1995 79.5 1998 89.8 2001 109.0 2004 230.2 2007 172.8 2010 193.5 Three-year change (percent) 1992 38.5 1995 -31.4 1998 13.0 2001 21.4 2004 111.2 2007 -24.9 2010 12.0
Midwest
South
West
44.8 57.4 49.4 74.7 74.9 152.3 126.6 132.8
50.4 78.5 80.6 79.3 78.0 144.6 172.3 160.4
94.0 103.9 116.1 129.6 109.1 244.3 243.9 219.0
28.1 -13.9 51.2 0.3 103.3 -16.9 4.9
55.8 2.7 -1.6 -1.6 85.4 19.2 -6.9
10.5 11.7 11.6 -15.8 123.9 -0.2 -10.2
Percent of families with other residential real estate debt By urbanicity
6
Percent
5
4
3
2 1989
1992
1995
1998
2001
2004
2007
2010
Year Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Non−MSA
Percent of families with other residential real estate debt Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 5.0 6.2 5.0 5.3 4.7 4.4 6.1 5.7
Three-year change (percentage points) 1992 1.2 1995 -1.2 1998 0.3 2001 -0.6 2004 -0.3 2007 1.7 2010 -0.4
5.5 3.1 3.1 3.4 3.6 2.0 2.9 3.7 -2.4 0.0 0.3 0.2 -1.6 0.9 0.8
Median value of other residential real estate debt for families with holdings By urbanicity
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
2010
Non−MSA
Median value of other residential real estate debt for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 50.6 1992 37.1 1995 45.0 1998 64.0 2001 49.0 2004 101.3 2007 105.8 2010 104.0 Three-year change (percent) 1992 -26.7 1995 21.3 1998 42.2 2001 -23.4 2004 106.7 2007 4.4 2010 -1.7
Non-MSA
33.7 60.6 24.1 23.0 63.7 72.5 73.3 62.5 79.8 -60.2 -4.6 177.0 13.8 1.1 -14.7
Mean value of other residential real estate debt for families with holdings By urbanicity
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
2010
Non−MSA
Mean value of other residential real estate debt for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 72.7 1992 87.4 1995 87.9 1998 100.7 2001 93.6 2004 201.4 2007 192.0 2010 191.5 Three-year change (percent) 1992 20.2 1995 0.6 1998 14.6 2001 -7.1 2004 115.2 2007 -4.7 2010 -0.3
Non-MSA
39.4 80.6 34.0 32.2 67.4 90.6 122.6 92.7 104.6 -57.8 -5.3 109.3 34.4 35.3 -24.4
Percent of families with other residential real estate debt By housing status
7
Percent
6 5 4 3 2 1989
1992
1995
1998
2001
2004
2007
2010
Year Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Renter or other
Percent of families with other residential real estate debt Housing status Owner Renter or other 6.7 6.9 5.8 6.2 5.8 5.1 6.9 6.9
Three-year change (percentage points) 1992 0.2 1995 -1.1 1998 0.4 2001 -0.4 2004 -0.7 2007 1.8 2010 0.0
2.3 3.4 2.7 2.7 2.0 1.7 2.6 2.2 1.1 -0.7 0.0 -0.7 -0.3 0.9 -0.4
Median value of other residential real estate debt for families with holdings By housing status
Thousands of 2010 dollars
120 100 80 60 40 20 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Median value of other residential real estate debt for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 45.5 1992 40.9 1995 42.5 1998 56.8 2001 49.0 2004 103.6 2007 104.8 2010 97.0 Three-year change (percent) 1992 -10.1 1995 3.9 1998 33.6 2001 -13.7 2004 111.4 2007 1.2 2010 -7.4
Renter or other 29.5 27.6 69.4 36.7 46.0 95.5 83.8 105.4 -6.4 151.4 -47.1 25.3 107.6 -12.3 25.8
Mean value of other residential real estate debt for families with holdings By housing status
Thousands of 2010 dollars
200
150
100
50 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Mean value of other residential real estate debt for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 69.1 1992 87.8 1995 79.4 1998 100.5 2001 91.1 2004 204.5 2007 186.4 2010 180.0 Three-year change (percent) 1992 27.1 1995 -9.6 1998 26.6 2001 -9.4 2004 124.5 2007 -8.9 2010 -3.4
Renter or other 48.8 82.7 95.7 63.9 88.8 108.0 181.8 177.0 69.5 15.7 -33.2 39.0 21.6 68.3 -2.6
Percent of families with other residential real estate debt By percentile of net worth
25
Percent
20 15 10 5 0 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with other residential real estate debt Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 0.8 1.6 4.4 9.4 1992 0.8 2.7 4.9 9.8 1995 0.7 2.5 3.3 8.0 1998 0.7 3.2 4.8 8.9 2001 0.6 2.0 5.5 7.6 2004 0.0 1.4 4.5 5.8 2007 0.4 3.2 4.9 8.5 2010 1.8 2.0 4.6 9.7 Three-year change (percentage points) 1992 0.0 1.1 1995 -0.1 -0.2 1998 0.0 0.7 2001 -0.1 -1.2 2004 -0.6 -0.6 2007 0.4 1.8 2010 1.4 -1.2
0.5 -1.6 1.5 0.7 -1.0 0.4 -0.3
2010
0.4 -1.8 0.9 -1.3 -1.8 2.7 1.2
90-100 20.1 20.7 18.7 14.8 14.2 16.6 21.8 17.8 0.6 -2.0 -3.9 -0.6 2.4 5.2 -4.0
Median value of other residential real estate debt for families with holdings By percentile of net worth
Thousands of 2010 dollars
200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of other residential real estate debt for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 29.5 20.2 1992 18.2 19.0 1995 14.2 26.9 1998 88.7 38.7 2001 9.8 24.5 2004 28.8 30.3 2007 38.8 77.5 2010 110.0 25.6 Three-year change (percent) 1992 -38.3 1995 -22.0 1998 524.6 2001 -89.0 2004 193.9 2007 34.7 2010 183.5
-5.9 41.6 43.9 -36.7 23.7 155.8 -67.0
Percentile of net worth 50-74.9
75-89.9
90-100
23.6 28.0 35.4 29.3 57.6 55.7 75.4 53.2
41.5 33.5 37.2 66.7 47.7 113.9 98.5 92.0
75.9 83.4 84.3 96.0 95.6 170.3 167.6 195.0
18.6 26.4 -17.2 96.6 -3.3 35.4 -29.4
-19.3 11.0 79.3 -28.5 138.8 -13.5 -6.6
9.9 1.1 13.9 -0.4 78.1 -1.6 16.3
Mean value of other residential real estate debt for families with holdings By percentile of net worth
Thousands of 2010 dollars
400 300 200 100 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of other residential real estate debt for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 50.6 29.8 1992 82.0 43.1 1995 55.5 40.9 1998 106.4 50.3 2001 26.4 27.9 2004 28.8 62.5 2007 39.4 71.0 2010 143.5 56.9 Three-year change (percent) 1992 62.1 1995 -32.3 1998 91.7 2001 -75.2 2004 9.1 2007 36.8 2010 264.2
44.6 -5.1 23.0 -44.5 124.0 13.6 -19.9
Percentile of net worth 50-74.9
75-89.9
90-100
37.8 42.7 46.4 40.6 68.7 77.9 164.6 79.4
47.4 56.9 59.4 86.4 66.5 126.5 124.9 135.7
103.0 148.7 130.9 166.2 160.6 332.0 280.2 324.9
13.0 8.7 -12.5 69.2 13.4 111.3 -51.8
20.0 4.4 45.5 -23.0 90.2 -1.3 8.6
44.4 -12.0 27.0 -3.4 106.7 -15.6 16.0
Percent of families with installment loans For all families
50 49
Percent
48 47 46 45 44 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with installment loans All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
49.5 46.0 46.0 43.7 45.2 46.0 46.9 46.3 -3.5 0.0 -2.3 1.5 0.8 0.9 -0.6
2007
2010
Median value of installment loans for families with holdings For all families
Thousands of 2010 dollars
14
12
10
8
6 1989
1992
1995
1998 2001 Year
2004
2007
Median value of installment loans for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 8.7 7.0 8.6 11.6 11.9 13.3 13.6 12.6 -19.5 22.9 34.9 2.6 11.8 2.3 -7.4
2010
Mean value of installment loans for families with holdings For all families
Thousands of 2010 dollars
24 22 20 18 16 14 12 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of installment loans for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 14.9 11.8 13.4 18.8 18.2 21.7 22.0 23.5 -20.8 13.6 40.3 -3.2 19.2 1.4 6.8
2010
Percent of families with installment loans By percentile of income
70
Percent
60 50 40 30 20 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 32.9 1992 31.2 1995 27.4 1998 27.3 2001 25.5 2004 26.9 2007 27.8 2010 34.1
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with installment loans Percentile of income 20-39.9 40-59.9 60-79.9 80-89.9
40.4 42.2 40.3 36.7 43.2 39.8 42.4 40.8
Three-year change (percentage points) 1992 -1.7 1.8 1995 -3.8 -1.9 1998 -0.1 -3.6 2001 -1.8 6.5 2004 1.4 -3.4 2007 0.9 2.6 2010 6.3 -1.6
2010
90-100
54.1 54.7 49.5 51.2 51.9 52.5 53.9 49.9
63.8 54.0 60.2 51.6 56.7 57.9 59.2 56.6
63.7 55.1 60.4 58.4 55.7 60.0 57.4 58.8
48.6 40.7 44.5 45.4 41.2 45.7 45.0 41.8
0.6 -5.2 1.7 0.7 0.6 1.4 -4.0
-9.8 6.2 -8.6 5.1 1.2 1.3 -2.6
-8.6 5.3 -2.0 -2.7 4.3 -2.6 1.4
-7.9 3.8 0.9 -4.2 4.5 -0.7 -3.2
Median value of installment loans for families with holdings By percentile of income
Thousands of 2010 dollars
25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of installment loans for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 2.4 5.2 1992 3.0 4.4 1995 4.2 5.1 1998 5.3 8.3 2001 5.6 8.0 2004 6.4 9.2 2007 6.8 10.3 2010 7.6 8.4 Three-year change (percent) 1992 25.0 -15.4 1995 40.0 15.9 1998 26.2 62.7 2001 5.7 -3.6 2004 14.3 15.0 2007 6.2 12.0 2010 11.8 -18.4
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
9.9 6.2 9.1 10.7 11.9 12.4 13.4 12.0
11.8 9.9 10.2 15.9 14.6 16.0 17.1 15.0
14.2 11.2 13.7 15.3 17.8 17.4 18.1 19.0
13.8 15.6 13.8 19.3 16.5 20.7 19.2 22.4
-37.4 46.8 17.6 11.2 4.2 8.1 -10.4
-16.1 3.0 55.9 -8.2 9.6 6.9 -12.3
-21.1 22.3 11.7 16.3 -2.2 4.0 5.0
13.0 -11.5 39.9 -14.5 25.5 -7.2 16.7
Mean value of installment loans for families with holdings By percentile of income
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of installment loans for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 5.5 8.5 1992 6.3 9.3 1995 8.0 9.2 1998 10.4 12.3 2001 10.7 13.0 2004 12.5 16.5 2007 14.8 16.9 2010 22.8 15.1 Three-year change (percent) 1992 14.5 9.4 1995 27.0 -1.1 1998 30.0 33.7 2001 2.9 5.7 2004 16.8 26.9 2007 18.4 2.4 2010 54.1 -10.7
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
14.7 11.2 12.8 15.6 15.6 18.4 18.5 21.7
17.8 12.4 14.0 22.2 18.5 23.5 24.7 22.3
16.3 13.6 18.0 21.1 22.5 26.4 24.8 27.7
28.9 23.4 21.0 35.4 38.7 38.3 38.4 42.8
-23.8 14.3 21.9 0.0 17.9 0.5 17.3
-30.3 12.9 58.6 -16.7 27.0 5.1 -9.7
-16.6 32.4 17.2 6.6 17.3 -6.1 11.7
-19.0 -10.3 68.6 9.3 -1.0 0.3 11.5
Percent of families with installment loans By age of head
80
Percent
60
40
20
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 60.8 1992 61.7 1995 62.5 1998 60.0 2001 63.8 2004 59.4 2007 65.2 2010 61.9
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with installment loans Age of head 35-44 45-54 55-64 65-74
67.6 57.8 59.8 53.3 57.1 55.7 56.2 60.0
Three-year change (percentage points) 1992 0.9 -9.8 1995 0.8 2.0 1998 -2.5 -6.5 2001 3.8 3.8 2004 -4.4 -1.4 2007 5.8 0.5 2010 -3.3 3.8
2010
75 or older
59.3 49.9 53.3 51.2 45.9 50.2 51.9 49.8
38.5 38.8 34.8 37.9 39.3 42.8 44.6 40.7
21.5 22.9 16.5 20.2 21.1 27.5 26.1 30.3
9.8 8.3 8.8 4.2 9.5 13.9 7.0 12.3
-9.4 3.4 -2.1 -5.3 4.3 1.7 -2.1
0.3 -4.0 3.1 1.4 3.5 1.8 -3.9
1.4 -6.4 3.7 0.9 6.4 -1.4 4.2
-1.5 0.5 -4.6 5.3 4.4 -6.9 5.3
Median value of installment loans for families with holdings By age of head
Thousands of 2010 dollars
16 14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of installment loans for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 8.0 11.7 1992 6.9 7.6 1995 10.0 7.9 1998 12.1 10.3 2001 11.7 13.6 2004 13.7 13.8 2007 15.7 14.2 2010 14.0 14.7 Three-year change (percent) 1992 -13.8 -35.0 1995 44.9 3.9 1998 21.0 30.4 2001 -3.3 32.0 2004 17.1 1.5 2007 14.6 2.9 2010 -10.8 3.5
Age of head 45-54 55-64
65-74
75 or older
11.8 7.1 10.2 13.3 11.8 13.8 13.5 12.0
6.1 6.7 7.1 11.0 11.0 14.9 11.4 11.3
5.5 6.1 6.9 8.6 8.6 9.5 10.8 10.0
5.1 4.7 4.8 11.9 7.1 7.7 8.4 7.8
-39.8 43.7 30.4 -11.3 16.9 -2.2 -11.1
9.8 6.0 54.9 0.0 35.5 -23.5 -0.9
10.9 13.1 24.6 0.0 10.5 13.7 -7.4
-7.8 2.1 147.9 -40.3 8.5 9.1 -7.1
Mean value of installment loans for families with holdings By age of head
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of installment loans for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 13.3 16.7 1992 11.8 12.8 1995 13.9 12.1 1998 19.5 18.1 2001 17.0 20.9 2004 21.2 21.4 2007 24.1 21.3 2010 25.5 24.3 Three-year change (percent) 1992 -11.3 -23.4 1995 17.8 -5.5 1998 40.3 49.6 2001 -12.8 15.5 2004 24.7 2.4 2007 13.7 -0.5 2010 5.8 14.1
Age of head 45-54 55-64
65-74
75 or older
17.1 10.7 16.6 19.3 19.0 19.6 22.3 23.7
14.5 12.2 10.8 20.1 16.9 21.5 21.5 21.8
8.9 10.3 11.1 13.8 11.4 16.0 17.4 16.4
13.4 9.5 7.2 11.9 16.7 54.5 11.0 24.0
-37.4 55.1 16.3 -1.6 3.2 13.8 6.3
-15.9 -11.5 86.1 -15.9 27.2 0.0 1.4
15.7 7.8 24.3 -17.4 40.4 8.8 -5.7
-29.1 -24.2 65.3 40.3 226.3 -79.8 118.2
Percent of families with installment loans By family structure
70
Percent
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with installment loans Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 50.5 51.8 16.8 66.1 1992 51.5 48.6 15.3 60.6 1995 46.4 48.4 15.2 63.6 1998 43.2 46.1 11.6 59.0 2001 48.7 46.2 15.3 60.9 2004 44.4 45.6 20.3 61.0 2007 50.2 44.1 18.9 62.9 2010 49.4 48.0 20.4 59.6 Three-year change (percentage points) 1992 1.0 -3.2 1995 -5.1 -0.2 1998 -3.2 -2.3 2001 5.5 0.1 2004 -4.3 -0.6 2007 5.8 -1.5 2010 -0.8 3.9
2010
-1.5 -0.1 -3.6 3.7 5.0 -1.4 1.5
-5.5 3.0 -4.6 1.9 0.1 1.9 -3.3
Couple, no child
42.5 41.4 39.0 40.3 40.0 43.2 43.6 43.0 -1.1 -2.4 1.3 -0.3 3.2 0.4 -0.6
Median value of installment loans for families with holdings
Thousands of 2010 dollars
By family structure
16 14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of installment loans for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 3.7 7.4 1992 4.0 5.8 1995 5.0 7.1 1998 8.5 10.7 2001 8.4 11.0 2004 9.8 10.3 2007 10.3 10.5 2010 9.9 11.8 Three-year change (percent) 1992 8.1 1995 25.0 1998 70.0 2001 -1.2 2004 16.7 2007 5.1 2010 -3.9
-21.6 22.4 50.7 2.8 -6.4 1.9 12.4
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
3.4 5.3 5.5 6.8 6.1 9.2 6.9 7.6
11.1 8.1 10.4 12.7 13.8 15.6 15.6 15.0
12.2 9.0 10.7 14.7 12.7 15.7 16.3 13.2
55.9 3.8 23.6 -10.3 50.8 -25.0 10.1
-27.0 28.4 22.1 8.7 13.0 0.0 -3.8
-26.2 18.9 37.4 -13.6 23.6 3.8 -19.0
Mean value of installment loans for families with holdings By family structure
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of installment loans for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 9.3 11.8 1992 8.1 9.9 1995 8.2 10.6 1998 12.5 17.0 2001 14.0 18.0 2004 16.9 15.9 2007 14.5 18.4 2010 19.1 28.1 Three-year change (percent) 1992 -12.9 1995 1.2 1998 52.4 2001 12.0 2004 20.7 2007 -14.2 2010 31.7
-16.1 7.1 60.4 5.9 -11.7 15.7 52.7
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
7.1 8.3 8.0 11.9 9.9 14.3 8.4 13.7
17.4 13.6 14.8 20.4 19.6 22.4 24.1 23.9
16.6 12.8 16.5 20.9 19.7 28.2 27.5 25.0
16.9 -3.6 48.8 -16.8 44.4 -41.3 63.1
-21.8 8.8 37.8 -3.9 14.3 7.6 -0.8
-22.9 28.9 26.7 -5.7 43.1 -2.5 -9.1
Percent of families with installment loans By education of head
60 55
Percent
50 45 40 35 30 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
-1.8 -1.9 -3.7 4.5 -3.2 1.7 -2.0
2010
High school diploma College degree
Percent of families with installment loans Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 38.7 50.4 57.5 1992 32.4 48.6 47.6 1995 32.6 46.7 52.2 1998 30.6 43.0 49.4 2001 29.2 47.5 49.8 2004 28.0 44.3 55.3 2007 33.3 46.0 54.3 2010 34.7 44.0 55.1 Three-year change (percentage points) 1992 -6.3 1995 0.2 1998 -2.0 2001 -1.4 2004 -1.2 2007 5.3 2010 1.4
2007
-9.9 4.6 -2.8 0.4 5.5 -1.0 0.8
College degree
53.2 51.3 49.3 47.9 48.0 49.9 49.1 47.7 -1.9 -2.0 -1.4 0.1 1.9 -0.8 -1.4
Median value of installment loans for families with holdings By education of head
Thousands of 2010 dollars
20
15
10
5
0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of installment loans for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 5.1 1992 3.0 1995 5.2 1998 7.5 2001 7.6 2004 8.1 2007 9.2 2010 7.6 Three-year change (percent) 1992 -41.2 1995 73.3 1998 44.2 2001 1.3 2004 6.6 2007 13.6 2010 -17.4
Education of head High school Some college diploma
College degree
7.0 6.1 8.5 9.3 9.6 10.4 10.7 10.0
10.3 6.7 7.6 12.8 12.3 13.6 12.6 12.1
11.8 10.9 11.4 14.9 15.2 17.7 18.2 18.0
-12.9 39.3 9.4 3.2 8.3 2.9 -6.5
-35.0 13.4 68.4 -3.9 10.6 -7.4 -4.0
-7.6 4.6 30.7 2.0 16.4 2.8 -1.1
Mean value of installment loans for families with holdings By education of head
Thousands of 2010 dollars
35 30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of installment loans for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 9.1 1992 7.2 1995 9.0 1998 12.4 2001 11.2 2004 13.4 2007 13.4 2010 11.5 Three-year change (percent) 1992 -20.9 1995 25.0 1998 37.8 2001 -9.7 2004 19.6 2007 0.0 2010 -14.2
Education of head High school Some college diploma
College degree
13.5 8.9 12.0 12.9 13.1 16.9 16.7 16.6
14.2 10.0 12.3 22.1 17.1 18.2 20.1 18.9
20.5 17.2 17.1 23.9 25.7 29.0 30.0 34.5
-34.1 34.8 7.5 1.6 29.0 -1.2 -0.6
-29.6 23.0 79.7 -22.6 6.4 10.4 -6.0
-16.1 -0.6 39.8 7.5 12.8 3.4 15.0
Percent of families with installment loans By race or ethnicity of respondent
50
Percent
48
46
44
42 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with installment loans Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 49.4 46.3 46.1 44.2 45.4 47.0 46.1 45.8
Three-year change (percentage points) 1992 -3.1 1995 -0.2 1998 -1.9 2001 1.2 2004 1.6 2007 -0.9 2010 -0.3
49.7 45.1 45.3 42.3 44.4 43.2 48.9 47.4 -4.6 0.2 -3.0 2.1 -1.2 5.7 -1.5
Median value of installment loans for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of installment loans for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 10.1 5.1 1992 7.7 4.5 1995 9.2 6.9 1998 12.3 9.5 2001 12.3 10.1 2004 14.3 11.0 2007 14.0 12.6 2010 13.6 10.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-23.8 19.5 33.7 0.0 16.3 -2.1 -2.9
-11.8 53.3 37.7 6.3 8.9 14.5 -15.1
Mean value of installment loans for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
25
20
15
10 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of installment loans for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 16.1 11.1 1992 12.7 9.1 1995 13.6 12.7 1998 20.1 14.2 2001 18.9 16.0 2004 22.6 18.9 2007 23.0 19.7 2010 23.5 23.6 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-21.1 7.1 47.8 -6.0 19.6 1.8 2.2
-18.0 39.6 11.8 12.7 18.1 4.2 19.8
Percent of families with installment loans By current work status of head
60
Percent
50 40 30 20 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 -3.5 1995 0.4 1998 -3.4 2001 1.8 2004 -1.3 2007 1.8 2010 -1.5
2010
Self−employed Other not working
Percent of families with installment loans Current work status of head Employee Self-employed Retired
61.7 58.2 58.6 55.2 57.0 55.7 57.5 56.0
2007
Other not working
54.0 47.9 45.6 46.3 39.8 43.5 43.9 42.4
21.9 21.1 18.3 15.9 17.1 22.8 23.6 24.6
41.1 41.3 40.3 38.7 41.9 45.6 42.9 51.8
-6.1 -2.3 0.7 -6.5 3.7 0.4 -1.5
-0.8 -2.8 -2.4 1.2 5.7 0.8 1.0
0.2 -1.0 -1.6 3.2 3.7 -2.7 8.9
Median value of installment loans for families with holdings By current work status of head
Thousands of 2010 dollars
20
15
10
5
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of installment loans for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 9.6 1992 7.6 1995 9.7 1998 11.8 2001 12.2 2004 13.9 2007 14.2 2010 13.9
13.4 9.7 8.4 14.7 12.4 17.7 16.2 15.3
5.9 5.2 5.8 8.0 8.5 8.4 9.1 8.1
3.3 3.9 7.0 9.1 12.0 8.6 11.2 8.3
Three-year change (percent) 1992 -20.8 1995 27.6 1998 21.6 2001 3.4 2004 13.9 2007 2.2 2010 -2.1
-27.6 -13.4 75.0 -15.6 42.7 -8.5 -5.6
-11.9 11.5 37.9 6.2 -1.2 8.3 -11.0
18.2 79.5 30.0 31.9 -28.3 30.2 -25.9
Mean value of installment loans for families with holdings By current work status of head
Thousands of 2010 dollars
35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of installment loans for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 13.6 1992 11.7 1995 13.9 1998 17.8 2001 17.3 2004 20.4 2007 21.4 2010 23.0
28.6 16.7 15.1 29.7 31.1 27.3 33.8 35.3
11.4 9.1 9.0 12.7 10.8 23.4 16.5 19.8
7.9 10.1 11.0 17.1 18.9 23.4 22.7 18.8
Three-year change (percent) 1992 -14.0 1995 18.8 1998 28.1 2001 -2.8 2004 17.9 2007 4.9 2010 7.5
-41.6 -9.6 96.7 4.7 -12.2 23.8 4.4
-20.2 -1.1 41.1 -15.0 116.7 -29.5 20.0
27.8 8.9 55.5 10.5 23.8 -3.0 -17.2
Percent of families with installment loans By current occupation of head
60
Percent
50
40
30
20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
-4.1 -0.8 -1.8 3.9 -3.8 -0.3 2.8
2010
Technical, sales, or services Retired or other not working
Percent of families with installment loans Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 60.9 59.1 61.4 1992 55.3 55.0 59.5 1995 54.0 54.2 61.1 1998 51.2 52.4 57.3 2001 49.6 56.3 57.6 2004 52.4 52.5 56.6 2007 56.2 52.2 57.8 2010 51.4 55.0 55.6 Three-year change (percentage points) 1992 -5.6 1995 -1.3 1998 -2.8 2001 -1.6 2004 2.8 2007 3.8 2010 -4.8
2007
-1.9 1.6 -3.8 0.3 -1.0 1.2 -2.2
Retired or other not working 25.9 25.9 22.7 19.8 21.2 26.3 26.6 30.5 0.0 -3.2 -2.9 1.4 5.1 0.3 3.9
Median value of installment loans for families with holdings By current occupation of head
Thousands of 2010 dollars
20
15
10
5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of installment loans for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 12.7 7.3 9.8 1992 9.1 7.2 7.3 1995 10.8 10.2 7.9 1998 15.4 10.9 11.2 2001 14.1 11.9 11.1 2004 17.3 12.8 11.9 2007 17.1 12.8 12.6 2010 17.0 12.8 11.1 Year
Three-year change (percent) 1992 -28.3 1995 18.7 1998 42.6 2001 -8.4 2004 22.7 2007 -1.2 2010 -0.6
-1.4 41.7 6.9 9.2 7.6 0.0 0.0
-25.5 8.2 41.8 -0.9 7.2 5.9 -11.9
Retired or other not working 5.1 4.5 6.4 8.0 9.5 8.6 10.2 8.1 -11.8 42.2 25.0 18.8 -9.5 18.6 -20.6
Mean value of installment loans for families with holdings By current occupation of head
Thousands of 2010 dollars
35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of installment loans for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 20.2 11.7 15.6 1992 16.7 10.6 9.9 1995 16.6 14.0 12.3 1998 25.5 17.5 15.8 2001 24.8 17.0 14.8 2004 26.3 19.1 17.5 2007 29.0 19.7 18.0 2010 32.2 21.3 18.0 Year
Three-year change (percent) 1992 -17.3 1995 -0.6 1998 53.6 2001 -2.7 2004 6.0 2007 10.3 2010 11.0
-9.4 32.1 25.0 -2.9 12.4 3.1 8.1
-36.5 24.2 28.5 -6.3 18.2 2.9 0.0
Retired or other not working 10.2 9.5 9.7 14.2 13.4 23.4 18.1 19.5 -6.9 2.1 46.4 -5.6 74.6 -22.6 7.7
Percent of families with installment loans By region
55
Percent
50
45
40
35 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
Three-year change (percentage points) 1992 -6.9 1995 6.2 1998 -8.4 2001 -1.1 2004 7.4 2007 -1.7 2010 1.9
2010
South
Percent of families with installment loans Region Northeast Midwest South 45.2 38.3 44.5 36.1 35.0 42.4 40.7 42.6
2007
West
45.5 49.0 48.4 44.2 48.2 49.9 47.9 48.5
55.5 48.5 47.2 48.7 49.7 44.2 48.5 48.2
48.5 45.6 42.5 41.8 43.3 47.9 48.4 44.2
3.5 -0.6 -4.2 4.0 1.7 -2.0 0.6
-7.0 -1.3 1.5 1.0 -5.5 4.3 -0.3
-2.9 -3.1 -0.7 1.5 4.6 0.5 -4.2
Median value of installment loans for families with holdings By region
Thousands of 2010 dollars
16 14 12 10 8 6 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of installment loans for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 10.0 1992 7.3 1995 8.2 1998 12.2 2001 12.0 2004 13.6 2007 12.6 2010 13.7 Three-year change (percent) 1992 -27.0 1995 12.3 1998 48.8 2001 -1.6 2004 13.3 2007 -7.4 2010 8.7
Midwest
South
West
8.9 7.9 9.9 11.3 11.0 12.7 11.5 13.1
7.3 7.0 8.3 11.2 12.0 12.9 13.8 11.3
9.9 6.1 8.4 12.6 12.1 14.7 14.9 14.4
-11.2 25.3 14.1 -2.7 15.5 -9.4 13.9
-4.1 18.6 34.9 7.1 7.5 7.0 -18.1
-38.4 37.7 50.0 -4.0 21.5 1.4 -3.4
Mean value of installment loans for families with holdings By region
Thousands of 2010 dollars
25
20
15
10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of installment loans for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 19.5 1992 12.1 1995 15.2 1998 18.9 2001 17.3 2004 21.5 2007 21.9 2010 24.4 Three-year change (percent) 1992 -37.9 1995 25.6 1998 24.3 2001 -8.5 2004 24.3 2007 1.9 2010 11.4
Midwest
South
West
14.4 13.2 14.2 18.6 17.2 23.4 18.4 23.4
13.2 11.2 11.9 17.3 18.3 19.9 23.1 22.2
14.2 10.9 13.3 21.8 19.9 22.6 23.9 25.3
-8.3 7.6 31.0 -7.5 36.0 -21.4 27.2
-15.2 6.2 45.4 5.8 8.7 16.1 -3.9
-23.2 22.0 63.9 -8.7 13.6 5.8 5.9
Percent of families with installment loans By urbanicity
52
Percent
50 48 46 44 42 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Percent of families with installment loans Urbanicity Metropolitan Statistical Area (MSA) 49.0 46.2 46.5 43.0 44.6 45.4 46.0 46.2
Three-year change (percentage points) 1992 -2.8 1995 0.3 1998 -3.5 2001 1.6 2004 0.8 2007 0.6 2010 0.2
2007
2010
Non−MSA
Non-MSA
51.6 45.1 42.8 48.2 48.4 48.6 51.3 46.9 -6.5 -2.3 5.4 0.2 0.2 2.7 -4.4
Median value of installment loans for families with holdings By urbanicity
Thousands of 2010 dollars
14
12
10
8
6 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of installment loans for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 8.6 1992 7.1 1995 9.1 1998 11.5 2001 12.0 2004 13.8 2007 13.9 2010 12.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-17.4 28.2 26.4 4.3 15.0 0.7 -7.2
2010
Non-MSA
9.2 6.6 6.6 12.0 10.3 11.5 12.2 12.0 -28.3 0.0 81.8 -14.2 11.7 6.1 -1.6
Mean value of installment loans for families with holdings By urbanicity
Thousands of 2010 dollars
25
20
15
10 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of installment loans for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 14.8 1992 12.0 1995 13.7 1998 19.0 2001 19.0 2004 22.5 2007 23.1 2010 24.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-18.9 14.2 38.7 0.0 18.4 2.7 6.9
2010
Non-MSA
15.1 10.7 11.3 17.7 13.6 17.7 17.2 18.0 -29.1 5.6 56.6 -23.2 30.1 -2.8 4.7
Percent of families with installment loans By housing status
52
Percent
50 48 46 44 42 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with installment loans Housing status Owner Renter or other 50.8 44.3 45.4 44.3 45.5 46.6 46.1 46.0
Three-year change (percentage points) 1992 -6.5 1995 1.1 1998 -1.1 2001 1.2 2004 1.1 2007 -0.5 2010 -0.1
47.0 48.9 46.9 42.7 44.5 44.6 48.6 46.9 1.9 -2.0 -4.2 1.8 0.1 4.0 -1.7
2010
Median value of installment loans for families with holdings By housing status
Thousands of 2010 dollars
16 14 12 10 8 6 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of installment loans for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 11.1 1992 8.5 1995 9.7 1998 12.7 2001 12.8 2004 14.8 2007 14.8 2010 13.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-23.4 14.1 30.9 0.8 15.6 0.0 -7.4
Renter or other 5.5 5.5 7.0 10.2 8.6 10.1 10.8 10.2 0.0 27.3 45.7 -15.7 17.4 6.9 -5.6
2010
Mean value of installment loans for families with holdings By housing status
Thousands of 2010 dollars
25
20
15
10 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of installment loans for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 17.6 1992 13.3 1995 14.5 1998 19.7 2001 20.0 2004 23.6 2007 24.2 2010 24.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-24.4 9.0 35.9 1.5 18.0 2.5 1.2
Renter or other 9.7 9.4 11.4 16.9 14.4 17.2 17.6 21.5 -3.1 21.3 48.2 -14.8 19.4 2.3 22.2
2010
Percent of families with installment loans By percentile of net worth
60
Percent
50
40
30
20 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with installment loans Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 49.1 58.2 52.9 41.2 1992 52.1 56.6 44.8 33.7 1995 48.8 54.9 47.3 36.2 1998 47.2 49.9 46.3 34.4 2001 48.9 51.1 48.3 37.2 2004 47.5 52.4 49.0 40.4 2007 54.2 52.2 46.2 39.7 2010 57.1 51.1 47.7 34.4 Three-year change (percentage points) 1992 3.0 -1.6 1995 -3.3 -1.7 1998 -1.6 -5.0 2001 1.7 1.2 2004 -1.4 1.3 2007 6.7 -0.2 2010 2.9 -1.1
-8.1 2.5 -1.0 2.0 0.7 -2.8 1.5
2010
-7.5 2.5 -1.8 2.8 3.2 -0.7 -5.3
90-100 32.3 25.5 27.9 27.3 25.1 27.2 28.2 21.9 -6.8 2.4 -0.6 -2.2 2.1 1.0 -6.3
Median value of installment loans for families with holdings By percentile of net worth
Thousands of 2010 dollars
20
15
10
5 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of installment loans for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 4.9 8.0 1992 5.6 5.9 1995 7.5 8.5 1998 10.6 10.5 2001 10.2 11.5 2004 12.1 10.6 2007 11.9 13.6 2010 13.5 10.5 Three-year change (percent) 1992 14.3 1995 33.9 1998 41.3 2001 -3.8 2004 18.6 2007 -1.7 2010 13.4
-26.2 44.1 23.5 9.5 -7.8 28.3 -22.8
Percentile of net worth 50-74.9
75-89.9
90-100
11.4 8.6 8.4 11.9 12.3 15.2 14.6 12.7
12.7 9.4 10.2 13.7 14.5 15.3 12.6 13.5
13.5 12.3 11.1 19.6 13.9 20.1 17.9 17.7
-24.6 -2.3 41.7 3.4 23.6 -3.9 -13.0
-26.0 8.5 34.3 5.8 5.5 -17.6 7.1
-8.9 -9.8 76.6 -29.1 44.6 -10.9 -1.1
Mean value of installment loans for families with holdings By percentile of net worth
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of installment loans for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 10.9 11.6 1992 12.1 9.3 1995 14.2 11.4 1998 18.6 14.3 2001 16.3 15.2 2004 22.2 15.0 2007 21.9 19.1 2010 30.4 16.4 Three-year change (percent) 1992 11.0 1995 17.4 1998 31.0 2001 -12.4 2004 36.2 2007 -1.4 2010 38.8
-19.8 22.6 25.4 6.3 -1.3 27.3 -14.1
Percentile of net worth 50-74.9
75-89.9
90-100
14.6 11.8 12.3 17.6 16.4 21.9 21.1 18.8
20.4 11.9 14.3 18.3 20.0 20.5 20.5 20.0
35.1 24.6 22.2 45.3 47.9 53.2 43.1 54.1
-19.2 4.2 43.1 -6.8 33.5 -3.7 -10.9
-41.7 20.2 28.0 9.3 2.5 0.0 -2.4
-29.9 -9.8 104.1 5.7 11.1 -19.0 25.5
Percent of families with vehicle installment loans For all families
36 35
Percent
34 33 32 31 30 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with vehicle installment loans All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
34.7 29.8 31.7 31.4 35.0 35.6 34.9 30.2 -4.9 1.9 -0.3 3.6 0.6 -0.7 -4.7
2007
2010
Median value of vehicle installment loans for families with holdings For all families
Thousands of 2010 dollars
13
12
11
10
9
8 1989
1992
1995
1998 2001 Year
2004
2007
Median value of vehicle installment loans for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 9.6 8.0 9.6 11.2 11.2 12.5 12.1 10.0 -16.7 20.0 16.7 0.0 11.6 -3.2 -17.4
2010
Mean value of vehicle installment loans for families with holdings For all families
Thousands of 2010 dollars
16 15 14 13 12 11 10 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of vehicle installment loans for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 12.6 10.3 11.6 14.3 13.8 15.5 15.3 14.2 -18.3 12.6 23.3 -3.5 12.3 -1.3 -7.2
2010
Percent of families with vehicle installment loans By percentile of income
60
Percent
50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with vehicle installment loans Percentile of income Year Less than 20-39.9 40-59.9 60-79.9 80-89.9 20 Level (percent) 1989 11.5 22.6 41.5 50.9 55.4 1992 10.0 24.4 33.5 42.3 44.7 1995 11.2 23.4 34.3 46.9 48.8 1998 12.4 25.0 37.1 42.3 44.7 2001 12.3 30.8 42.0 48.5 49.8 2004 12.8 26.7 43.6 48.7 53.6 2007 13.0 27.0 41.1 51.4 46.7 2010 11.7 22.3 33.4 43.4 46.0 Three-year change (percentage points) 1992 -1.5 1.8 1995 1.2 -1.0 1998 1.2 1.6 2001 -0.1 5.8 2004 0.5 -4.1 2007 0.2 0.3 2010 -1.3 -4.7
-8.0 0.8 2.8 4.9 1.6 -2.5 -7.7
-8.6 4.6 -4.6 6.2 0.2 2.7 -8.0
2010
-10.7 4.1 -4.1 5.1 3.8 -6.9 -0.7
90-100
38.8 32.8 36.5 36.1 32.5 38.9 37.6 34.3 -6.0 3.7 -0.4 -3.6 6.4 -1.3 -3.3
Median value of vehicle installment loans for families with holdings By percentile of income
Thousands of 2010 dollars
20
15
10
5
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of vehicle installment loans for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 3.1 5.4 1992 3.2 5.2 1995 4.8 5.9 1998 6.1 8.0 2001 6.2 8.1 2004 7.0 8.8 2007 5.7 9.7 2010 5.8 7.7 Three-year change (percent) 1992 3.2 -3.7 1995 50.0 13.5 1998 27.1 35.6 2001 1.6 1.2 2004 12.9 8.6 2007 -18.6 10.2 2010 1.8 -20.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
9.4 6.4 10.1 10.7 10.7 10.6 12.2 9.6
10.4 9.7 10.4 12.1 13.3 14.7 13.5 11.0
13.9 11.2 12.5 15.1 14.3 16.2 13.2 12.6
11.8 12.3 11.9 16.7 15.1 19.6 18.0 17.6
-31.9 57.8 5.9 0.0 -0.9 15.1 -21.3
-6.7 7.2 16.3 9.9 10.5 -8.2 -18.5
-19.4 11.6 20.8 -5.3 13.3 -18.5 -4.5
4.2 -3.3 40.3 -9.6 29.8 -8.2 -2.2
Mean value of vehicle installment loans for families with holdings By percentile of income
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of vehicle installment loans for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 5.1 7.3 1992 5.5 7.5 1995 6.9 7.8 1998 8.0 9.5 2001 8.9 9.6 2004 8.9 9.9 2007 7.7 11.7 2010 19.3 8.9 Three-year change (percent) 1992 7.8 2.7 1995 25.5 4.0 1998 15.9 21.8 2001 11.2 1.1 2004 0.0 3.1 2007 -13.5 18.2 2010 150.6 -23.9
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
11.3 7.9 10.5 12.4 12.3 12.6 13.3 11.1
14.4 10.7 12.6 15.3 15.0 17.1 16.9 13.5
15.5 12.6 14.5 16.2 17.9 19.1 17.1 15.8
17.1 17.9 15.4 24.7 19.2 25.6 23.4 22.8
-30.1 32.9 18.1 -0.8 2.4 5.6 -16.5
-25.7 17.8 21.4 -2.0 14.0 -1.2 -20.1
-18.7 15.1 11.7 10.5 6.7 -10.5 -7.6
4.7 -14.0 60.4 -22.3 33.3 -8.6 -2.6
Percent of families with vehicle installment loans By age of head
50
Percent
40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with vehicle installment loans Age of head Year Less than 35-44 45-54 55-64 65-74 35 Level (percent) 1989 37.8 50.5 47.6 27.7 14.0 1992 36.6 37.7 34.6 29.2 14.8 1995 40.1 41.6 37.9 28.1 11.8 1998 36.9 39.2 40.1 29.2 16.6 2001 45.0 46.0 37.8 31.9 15.0 2004 41.3 45.5 39.0 34.7 24.2 2007 44.3 42.6 39.1 35.2 21.6 2010 32.2 40.8 35.9 28.2 22.8 Three-year change (percentage points) 1992 -1.2 -12.8 1995 3.5 3.9 1998 -3.2 -2.4 2001 8.1 6.8 2004 -3.7 -0.5 2007 3.0 -2.9 2010 -12.1 -1.8
-13.0 3.3 2.2 -2.3 1.2 0.1 -3.2
1.5 -1.1 1.1 2.7 2.8 0.5 -7.0
2010
0.8 -3.0 4.8 -1.6 9.2 -2.6 1.2
75 or older
5.0 4.6 4.6 4.1 7.9 10.5 6.1 8.1 -0.4 0.0 -0.5 3.8 2.6 -4.4 2.0
Median value of vehicle installment loans for families with holdings By age of head
Thousands of 2010 dollars
15
10
5 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of vehicle installment loans for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 8.6 11.1 1992 7.5 9.6 1995 10.2 9.2 1998 11.0 10.4 2001 10.7 13.0 2004 11.2 12.9 2007 12.1 13.0 2010 9.9 11.1 Three-year change (percent) 1992 -12.8 -13.5 1995 36.0 -4.2 1998 7.8 13.0 2001 -2.7 25.0 2004 4.7 -0.8 2007 8.0 0.8 2010 -18.2 -14.6
Age of head 45-54 55-64
65-74
75 or older
10.8 7.9 10.7 13.0 11.4 13.5 12.2 9.8
8.2 8.0 9.0 11.3 10.0 15.2 11.3 9.4
6.2 6.3 8.5 9.1 10.9 10.5 12.5 9.9
5.6 5.2 7.1 11.9 7.6 7.6 9.2 10.1
-26.9 35.4 21.5 -12.3 18.4 -9.6 -19.7
-2.4 12.5 25.6 -11.5 52.0 -25.7 -16.8
1.6 34.9 7.1 19.8 -3.7 19.0 -20.8
-7.1 36.5 67.6 -36.1 0.0 21.1 9.8
Mean value of vehicle installment loans for families with holdings By age of head
Thousands of 2010 dollars
18 16 14 12 10 8 6 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of vehicle installment loans for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 11.0 13.4 1992 9.0 11.4 1995 11.8 11.2 1998 13.2 14.0 2001 13.0 14.7 2004 14.0 16.1 2007 14.6 16.2 2010 12.6 13.4 Three-year change (percent) 1992 -18.2 -14.9 1995 31.1 -1.8 1998 11.9 25.0 2001 -1.5 5.0 2004 7.7 9.5 2007 4.3 0.6 2010 -13.7 -17.3
Age of head 45-54 55-64
65-74
75 or older
14.1 10.7 13.6 15.2 15.1 16.0 15.9 16.9
14.3 11.5 10.2 17.7 12.5 18.1 14.6 13.5
8.4 9.2 8.3 11.0 12.0 13.1 15.4 13.9
6.8 5.2 10.9 11.7 8.7 14.0 11.2 14.0
-24.1 27.1 11.8 -0.7 6.0 -0.6 6.3
-19.6 -11.3 73.5 -29.4 44.8 -19.3 -7.5
9.5 -9.8 32.5 9.1 9.2 17.6 -9.7
-23.5 109.6 7.3 -25.6 60.9 -20.0 25.0
Percent of families with vehicle installment loans By family structure
50
Percent
40 30 20 10 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with vehicle installment loans Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 26.9 30.1 8.8 50.7 1992 25.1 23.6 9.2 44.1 1995 24.0 27.7 8.9 47.6 1998 27.1 26.7 9.0 44.2 2001 34.5 29.5 10.7 50.9 2004 30.9 25.7 14.9 51.1 2007 28.4 27.5 13.4 50.4 2010 26.7 23.3 12.2 43.1 Three-year change (percentage points) 1992 -1.8 -6.5 1995 -1.1 4.1 1998 3.1 -1.0 2001 7.4 2.8 2004 -3.6 -3.8 2007 -2.5 1.8 2010 -1.7 -4.2
2010
0.4 -0.3 0.1 1.7 4.2 -1.5 -1.2
-6.6 3.5 -3.4 6.7 0.2 -0.7 -7.3
Couple, no child
33.5 29.8 30.2 32.1 31.9 36.2 35.4 30.5 -3.7 0.4 1.9 -0.2 4.3 -0.8 -4.9
Median value of vehicle installment loans for families with holdings By family structure
Thousands of 2010 dollars
15
10
5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of vehicle installment loans for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 6.8 8.6 1992 5.3 8.7 1995 5.7 9.2 1998 9.5 9.9 2001 8.7 9.3 2004 9.6 9.5 2007 9.8 8.5 2010 8.0 9.0 Three-year change (percent) 1992 -22.1 1995 7.5 1998 66.7 2001 -8.4 2004 10.3 2007 2.1 2010 -18.4
1.2 5.7 7.6 -6.1 2.2 -10.5 5.9
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
5.4 8.0 7.1 8.0 7.2 10.7 6.3 7.2
10.7 8.1 10.3 12.0 12.4 13.6 13.5 11.0
10.2 8.9 10.4 13.1 12.3 14.6 13.8 11.0
48.1 -11.2 12.7 -10.0 48.6 -41.1 14.3
-24.3 27.2 16.5 3.3 9.7 -0.7 -18.5
-12.7 16.9 26.0 -6.1 18.7 -5.5 -20.3
Mean value of vehicle installment loans for families with holdings
Thousands of 2010 dollars
By family structure
18 16 14 12 10 8 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of vehicle installment loans for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 10.2 9.6 1992 7.6 9.8 1995 8.5 10.4 1998 10.2 10.6 2001 10.9 10.9 2004 10.7 10.9 2007 12.5 10.1 2010 9.7 18.3 Three-year change (percent) 1992 -25.5 1995 11.8 1998 20.0 2001 6.9 2004 -1.8 2007 16.8 2010 -22.4
2.1 6.1 1.9 2.8 0.0 -7.3 81.2
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
7.3 8.4 9.0 11.7 8.8 11.8 8.1 10.2
13.7 10.6 12.5 15.1 15.1 16.9 16.7 14.1
13.6 11.3 12.2 16.9 14.9 17.9 17.6 15.2
15.1 7.1 30.0 -24.8 34.1 -31.4 25.9
-22.6 17.9 20.8 0.0 11.9 -1.2 -15.6
-16.9 8.0 38.5 -11.8 20.1 -1.7 -13.6
Percent of families with vehicle installment loans By education of head
40
Percent
35
30
25
20 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
-4.8 2.7 -2.4 5.3 -1.8 -0.8 -5.8
2010
High school diploma College degree
Percent of families with vehicle installment loans Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 23.4 37.5 39.0 1992 19.6 32.7 28.1 1995 21.6 35.4 33.4 1998 21.7 33.0 36.2 2001 20.0 38.3 38.1 2004 20.8 36.5 39.2 2007 23.5 35.7 37.9 2010 22.1 29.9 34.8 Three-year change (percentage points) 1992 -3.8 1995 2.0 1998 0.1 2001 -1.7 2004 0.8 2007 2.7 2010 -1.4
2007
-10.9 5.3 2.8 1.9 1.1 -1.3 -3.1
College degree
39.0 34.5 32.9 32.1 37.1 38.9 37.0 30.7 -4.5 -1.6 -0.8 5.0 1.8 -1.9 -6.3
Median value of vehicle installment loans for families with holdings By education of head
Thousands of 2010 dollars
14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of vehicle installment loans for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 8.9 1992 4.5 1995 7.4 1998 10.8 2001 10.0 2004 10.1 2007 10.8 2010 8.7 Three-year change (percent) 1992 -49.4 1995 64.4 1998 45.9 2001 -7.4 2004 1.0 2007 6.9 2010 -19.4
Education of head High school Some college diploma
College degree
8.6 6.9 9.9 10.7 9.9 10.6 11.4 10.0
10.3 10.2 8.9 11.5 12.5 13.6 12.1 9.0
10.1 10.0 10.2 11.6 12.4 13.8 13.0 11.5
-19.8 43.5 8.1 -7.5 7.1 7.5 -12.3
-1.0 -12.7 29.2 8.7 8.8 -11.0 -25.6
-1.0 2.0 13.7 6.9 11.3 -5.8 -11.5
Mean value of vehicle installment loans for families with holdings By education of head
Thousands of 2010 dollars
18 16 14 12 10 8 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of vehicle installment loans for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 10.8 1992 7.2 1995 10.2 1998 12.9 2001 11.6 2004 12.6 2007 13.6 2010 10.7 Three-year change (percent) 1992 -33.3 1995 41.7 1998 26.5 2001 -10.1 2004 8.6 2007 7.9 2010 -21.3
Education of head High school Some college diploma
College degree
13.7 8.6 11.7 13.1 12.2 14.5 15.0 13.1
12.5 10.9 11.1 15.1 15.5 15.9 15.3 11.7
12.4 12.5 12.4 15.5 14.9 16.8 16.0 17.3
-37.2 36.0 12.0 -6.9 18.9 3.4 -12.7
-12.8 1.8 36.0 2.6 2.6 -3.8 -23.5
0.8 -0.8 25.0 -3.9 12.8 -4.8 8.1
Percent of families with vehicle installment loans By race or ethnicity of respondent
40
Percent
35
30
25 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with vehicle installment loans Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 36.6 31.4 32.9 32.0 35.9 37.4 35.6 31.2
Three-year change (percentage points) 1992 -5.2 1995 1.5 1998 -0.9 2001 3.9 2004 1.5 2007 -1.8 2010 -4.4
29.3 24.9 27.6 29.4 32.1 30.9 33.3 28.1 -4.4 2.7 1.8 2.7 -1.2 2.4 -5.2
Median value of vehicle installment loans for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
13 12 11 10 9 8 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of vehicle installment loans for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 9.6 9.8 1992 8.1 7.7 1995 9.7 9.6 1998 11.6 8.9 2001 11.2 11.2 2004 12.8 10.9 2007 12.2 11.8 2010 10.2 9.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-15.6 19.8 19.6 -3.4 14.3 -4.7 -16.4
-21.4 24.7 -7.3 25.8 -2.7 8.3 -17.8
Mean value of vehicle installment loans for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
16 15 14 13 12 11 10 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of vehicle installment loans for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 12.8 12.0 1992 10.3 10.0 1995 11.7 11.3 1998 14.9 12.3 2001 13.9 13.2 2004 16.0 14.0 2007 15.5 14.6 2010 13.8 15.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-19.5 13.6 27.4 -6.7 15.1 -3.1 -11.0
-16.7 13.0 8.8 7.3 6.1 4.3 2.7
Percent of families with vehicle installment loans By current work status of head
50
Percent
40
30
20
10 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 -6.9 1995 2.3 1998 -1.9 2001 4.8 2004 -1.4 2007 -0.2 2010 -5.3
2010
Self−employed Other not working
Percent of families with vehicle installment loans Current work status of head Employee Self-employed Retired
46.8 39.9 42.2 40.3 45.1 43.7 43.5 38.2
2007
Other not working
36.2 31.3 27.4 34.0 28.7 36.3 35.4 26.9
13.1 12.1 12.2 11.0 13.0 17.6 16.8 15.8
10.6 16.6 19.3 19.9 25.4 20.2 20.8 21.4
-4.9 -3.9 6.6 -5.3 7.6 -0.9 -8.5
-1.0 0.1 -1.2 2.0 4.6 -0.8 -1.0
6.0 2.7 0.6 5.5 -5.2 0.6 0.6
Median value of vehicle installment loans for families with holdings By current work status of head
Thousands of 2010 dollars
16 14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of vehicle installment loans for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 9.4 1992 8.6 1995 10.1 1998 11.2 2001 11.4 2004 12.8 2007 12.3 2010 10.4
13.1 9.0 10.2 13.8 12.3 16.0 15.0 10.3
8.7 5.6 8.5 10.1 9.3 8.9 10.2 9.0
4.5 6.9 5.4 8.0 8.4 8.4 10.5 7.9
Three-year change (percent) 1992 -8.5 1995 17.4 1998 10.9 2001 1.8 2004 12.3 2007 -3.9 2010 -15.4
-31.3 13.3 35.3 -10.9 30.1 -6.2 -31.3
-35.6 51.8 18.8 -7.9 -4.3 14.6 -11.8
53.3 -21.7 48.1 5.0 0.0 25.0 -24.8
Mean value of vehicle installment loans for families with holdings
Thousands of 2010 dollars
By current work status of head
20
15
10
5 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of vehicle installment loans for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 12.1 1992 10.1 1995 12.0 1998 13.7 2001 13.6 2004 15.3 2007 15.1 2010 13.2
18.9 13.6 13.1 18.4 18.8 21.0 20.7 17.1
10.6 8.0 9.3 14.4 10.8 11.8 12.3 19.1
6.1 9.3 7.7 12.3 10.5 13.5 12.8 9.9
Three-year change (percent) 1992 -16.5 1995 18.8 1998 14.2 2001 -0.7 2004 12.5 2007 -1.3 2010 -12.6
-28.0 -3.7 40.5 2.2 11.7 -1.4 -17.4
-24.5 16.2 54.8 -25.0 9.3 4.2 55.3
52.5 -17.2 59.7 -14.6 28.6 -5.2 -22.7
Percent of families with vehicle installment loans By current occupation of head
50
Percent
40
30
20
10 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
-6.3 0.0 3.2 3.9 -2.7 -3.6 -3.4
2010
Technical, sales, or services Retired or other not working
Percent of families with vehicle installment loans Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 46.6 42.5 46.1 1992 37.7 36.2 42.2 1995 37.5 36.2 45.6 1998 34.5 39.4 43.9 2001 37.9 43.3 47.3 2004 41.2 40.6 46.1 2007 43.2 37.0 46.5 2010 35.5 33.6 40.6 Three-year change (percentage points) 1992 -8.9 1995 -0.2 1998 -3.0 2001 3.4 2004 3.3 2007 2.0 2010 -7.7
2007
-3.9 3.4 -1.7 3.4 -1.2 0.4 -5.9
Retired or other not working 12.6 13.1 13.7 12.6 15.0 18.0 17.4 17.0 0.5 0.6 -1.1 2.4 3.0 -0.6 -0.4
Median value of vehicle installment loans for families with holdings By current occupation of head
Thousands of 2010 dollars
16 14 12 10 8 6 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of vehicle installment loans for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 11.1 7.4 10.3 1992 8.7 9.3 7.9 1995 10.4 10.6 9.5 1998 12.5 10.9 11.3 2001 12.0 12.3 10.9 2004 14.7 12.4 11.4 2007 13.5 11.9 12.0 2010 11.5 9.4 10.0 Year
Three-year change (percent) 1992 -21.6 1995 19.5 1998 20.2 2001 -4.0 2004 22.5 2007 -8.2 2010 -14.8
25.7 14.0 2.8 12.8 0.8 -4.0 -21.0
-23.3 20.3 18.9 -3.5 4.6 5.3 -16.7
Retired or other not working 7.4 5.7 7.0 9.7 8.8 8.9 10.3 8.5 -23.0 22.8 38.6 -9.3 1.1 15.7 -17.5
Mean value of vehicle installment loans for families with holdings By current occupation of head
Thousands of 2010 dollars
18 16 14 12 10 8 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of vehicle installment loans for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 13.5 10.9 14.2 1992 11.8 10.2 9.8 1995 13.2 12.2 11.2 1998 16.1 13.8 13.5 2001 15.5 13.9 13.1 2004 17.9 15.3 14.8 2007 16.4 14.5 16.0 2010 15.5 12.3 12.5 Year
Three-year change (percent) 1992 -12.6 1995 11.9 1998 22.0 2001 -3.7 2004 15.5 2007 -8.4 2010 -5.5
-6.4 19.6 13.1 0.7 10.1 -5.2 -15.2
-31.0 14.3 20.5 -3.0 13.0 8.1 -21.9
Retired or other not working 9.8 8.4 8.9 13.8 10.7 12.1 12.4 16.6 -14.3 6.0 55.1 -22.5 13.1 2.5 33.9
Percent of families with vehicle installment loans By region
40
Percent
35
30
25
20 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
2007 South
Percent of families with vehicle installment loans Region Northeast Midwest South 32.1 23.5 27.2 22.6 25.1 31.7 26.3 26.4
Three-year change (percentage points) 1992 -8.6 1995 3.7 1998 -4.6 2001 2.5 2004 6.6 2007 -5.4 2010 0.1
2010
West
34.5 35.4 35.2 31.7 38.1 39.4 35.9 32.1
38.4 32.6 33.6 38.7 39.6 34.1 37.0 31.6
31.3 24.8 28.8 27.0 32.5 37.5 37.5 29.0
0.9 -0.2 -3.5 6.4 1.3 -3.5 -3.8
-5.8 1.0 5.1 0.9 -5.5 2.9 -5.4
-6.5 4.0 -1.8 5.5 5.0 0.0 -8.5
Median value of vehicle installment loans for families with holdings By region
Thousands of 2010 dollars
13 12 11 10 9 8 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of vehicle installment loans for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 10.3 1992 7.9 1995 9.5 1998 11.7 2001 10.4 2004 13.3 2007 11.9 2010 10.8 Three-year change (percent) 1992 -23.3 1995 20.3 1998 23.2 2001 -11.1 2004 27.9 2007 -10.5 2010 -9.2
Midwest
South
West
8.3 7.7 9.9 11.1 10.3 11.3 10.4 10.0
9.3 8.9 10.3 11.2 12.2 12.6 12.6 9.9
10.3 7.9 8.0 10.7 11.3 13.0 13.1 10.5
-7.2 28.6 12.1 -7.2 9.7 -8.0 -3.8
-4.3 15.7 8.7 8.9 3.3 0.0 -21.4
-23.3 1.3 33.8 5.6 15.0 0.8 -19.8
Mean value of vehicle installment loans for families with holdings By region
Thousands of 2010 dollars
18
16
14
12
10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of vehicle installment loans for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 15.4 1992 9.8 1995 11.3 1998 13.6 2001 12.5 2004 15.7 2007 15.3 2010 13.8 Three-year change (percent) 1992 -36.4 1995 15.3 1998 20.4 2001 -8.1 2004 25.6 2007 -2.5 2010 -9.8
Midwest
South
West
11.0 9.8 11.8 14.7 12.4 14.5 12.4 13.2
12.3 10.9 11.9 14.7 15.1 16.3 16.0 15.0
12.4 10.1 11.2 13.4 13.7 15.4 17.1 13.9
-10.9 20.4 24.6 -15.6 16.9 -14.5 6.5
-11.4 9.2 23.5 2.7 7.9 -1.8 -6.2
-18.5 10.9 19.6 2.2 12.4 11.0 -18.7
Percent of families with vehicle installment loans By urbanicity
40
Percent
38 36 34 32 30 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with vehicle installment loans Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 33.7 29.8 31.9 30.7 34.4 35.0 33.8 29.5
Three-year change (percentage points) 1992 -3.9 1995 2.1 1998 -1.2 2001 3.7 2004 0.6 2007 -1.2 2010 -4.3
2010
39.1 30.0 30.7 35.4 38.4 38.6 40.2 33.7 -9.1 0.7 4.7 3.0 0.2 1.6 -6.5
Median value of vehicle installment loans for families with holdings By urbanicity
Thousands of 2010 dollars
13 12 11 10 9 8 7 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of vehicle installment loans for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 9.5 1992 8.6 1995 9.9 1998 11.2 2001 11.5 2004 13.0 2007 12.3 2010 10.1 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-9.5 15.1 13.1 2.7 13.0 -5.4 -17.9
2010
Non-MSA
10.1 7.1 7.6 11.0 10.1 10.4 11.6 9.7 -29.7 7.0 44.7 -8.2 3.0 11.5 -16.4
Mean value of vehicle installment loans for families with holdings By urbanicity
Thousands of 2010 dollars
16
14
12
10
8 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of vehicle installment loans for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 12.6 1992 10.6 1995 11.9 1998 14.6 2001 14.1 2004 16.0 2007 15.5 2010 14.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-15.9 12.3 22.7 -3.4 13.5 -3.1 -6.5
2010
Non-MSA
12.4 8.9 10.2 12.9 12.0 13.7 14.4 12.9 -28.2 14.6 26.5 -7.0 14.2 5.1 -10.4
Percent of families with vehicle installment loans By housing status
40
Percent
35
30
25
20 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with vehicle installment loans Housing status Owner Renter or other 38.7 31.8 34.1 34.6 37.4 39.2 37.5 33.8
Three-year change (percentage points) 1992 -6.9 1995 2.3 1998 0.5 2001 2.8 2004 1.8 2007 -1.7 2010 -3.7
27.6 26.3 27.3 25.2 29.8 27.5 29.2 22.7 -1.3 1.0 -2.1 4.6 -2.3 1.7 -6.5
2010
Median value of vehicle installment loans for families with holdings By housing status
Thousands of 2010 dollars
14
12
10
8
6 1989
1992
1995
1998 2001 Year
Owner
2004
2007
2010
Renter or other
Median value of vehicle installment loans for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 10.9 1992 8.9 1995 10.0 1998 12.0 2001 12.3 2004 13.7 2007 12.7 2010 11.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-18.3 12.4 20.0 2.5 11.4 -7.3 -13.4
Renter or other 7.0 6.9 8.7 9.5 8.4 9.3 9.8 8.0 -1.4 26.1 9.2 -11.6 10.7 5.4 -18.4
Mean value of vehicle installment loans for families with holdings By housing status
Thousands of 2010 dollars
18 16 14 12 10 8 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of vehicle installment loans for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 13.8 1992 11.1 1995 12.1 1998 15.3 2001 14.8 2004 17.0 2007 16.4 2010 15.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-19.6 9.0 26.4 -3.3 14.9 -3.5 -6.1
Renter or other 9.6 8.6 10.5 11.6 11.1 11.0 12.1 10.5 -10.4 22.1 10.5 -4.3 -0.9 10.0 -13.2
2010
Percent of families with vehicle installment loans By percentile of net worth
45 40
Percent
35 30 25 20 15 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with vehicle installment loans Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 24.2 41.4 43.2 33.9 1992 26.0 38.6 31.8 25.9 1995 25.3 39.9 35.1 30.2 1998 27.1 37.3 35.9 27.7 2001 31.1 41.1 41.2 31.0 2004 28.2 42.4 41.3 34.8 2007 30.6 41.8 38.2 32.5 2010 26.5 35.0 36.5 26.7 Three-year change (percentage points) 1992 1.8 -2.8 1995 -0.7 1.3 1998 1.8 -2.6 2001 4.0 3.8 2004 -2.9 1.3 2007 2.4 -0.6 2010 -4.1 -6.8
-11.4 3.3 0.8 5.3 0.1 -3.1 -1.7
2010
-8.0 4.3 -2.5 3.3 3.8 -2.3 -5.8
90-100 24.4 18.0 20.7 22.1 19.6 24.0 23.5 16.8 -6.4 2.7 1.4 -2.5 4.4 -0.5 -6.7
Median value of vehicle installment loans for families with holdings By percentile of net worth
Thousands of 2010 dollars
20
15
10
5 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of vehicle installment loans for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 5.1 9.3 1992 6.1 6.9 1995 8.7 9.1 1998 9.3 10.8 2001 8.6 11.3 2004 10.3 9.8 2007 10.0 12.5 2010 8.9 9.0 Three-year change (percent) 1992 19.6 1995 42.6 1998 6.9 2001 -7.5 2004 19.8 2007 -2.9 2010 -11.0
-25.8 31.9 18.7 4.6 -13.3 27.6 -28.0
Percentile of net worth 50-74.9
75-89.9
90-100
11.0 10.4 10.2 12.0 11.3 14.7 12.3 11.4
11.2 9.0 9.8 13.3 14.0 14.2 12.3 11.6
12.4 10.3 10.4 15.3 14.2 18.8 16.0 15.8
-5.5 -1.9 17.6 -5.8 30.1 -16.3 -7.3
-19.6 8.9 35.7 5.3 1.4 -13.4 -5.7
-16.9 1.0 47.1 -7.2 32.4 -14.9 -1.2
Mean value of vehicle installment loans for families with holdings
Thousands of 2010 dollars
By percentile of net worth
40 35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of vehicle installment loans for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 10.3 11.7 1992 7.8 8.7 1995 10.8 10.7 1998 11.7 12.7 2001 10.7 13.7 2004 12.3 12.6 2007 12.6 14.5 2010 10.7 11.3 Three-year change (percent) 1992 -24.3 1995 38.5 1998 8.3 2001 -8.5 2004 15.0 2007 2.4 2010 -15.1
-25.6 23.0 18.7 7.9 -8.0 15.1 -22.1
Percentile of net worth 50-74.9
75-89.9
90-100
12.9 12.0 12.1 14.5 13.9 17.5 15.5 13.8
12.8 10.9 12.3 15.8 15.6 17.2 16.5 15.2
20.5 18.7 15.3 25.5 21.1 26.1 24.6 42.3
-7.0 0.8 19.8 -4.1 25.9 -11.4 -11.0
-14.8 12.8 28.5 -1.3 10.3 -4.1 -7.9
-8.8 -18.2 66.7 -17.3 23.7 -5.7 72.0
Percent of families with education installment loans For all families
20 18
Percent
16 14 12 10 8 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
2007
Percent of families with education installment loans All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
8.9 10.7 11.9 11.4 11.8 13.5 15.2 19.2 1.8 1.2 -0.5 0.4 1.7 1.7 4.0
2010
Median value of education installment loans for families with holdings For all families
Thousands of 2010 dollars
14
12
10
8
6
4 1989
1992
1995
1998 2001 Year
2004
2007
Median value of education installment loans for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 5.1 5.0 5.5 9.3 9.7 10.4 12.6 13.0 -2.0 10.0 69.1 4.3 7.2 21.2 3.2
2010
Mean value of education installment loans for families with holdings For all families
Thousands of 2010 dollars
25
20
15
10 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of education installment loans for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 9.1 10.7 11.3 17.3 16.8 19.2 22.5 25.6 17.6 5.6 53.1 -2.9 14.3 17.2 13.8
2010
Percent of families with education installment loans By percentile of income
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with education installment loans Percentile of income Year Less than 20-39.9 40-59.9 60-79.9 80-89.9 20 Level (percent) 1989 8.4 8.4 7.7 12.1 8.0 1992 10.6 7.9 14.1 11.3 12.5 1995 9.5 11.5 11.4 15.0 14.3 1998 9.9 9.4 11.7 13.0 15.5 2001 7.7 10.6 13.6 15.4 11.9 2004 10.9 10.4 15.8 17.2 14.4 2007 10.7 13.0 16.6 19.0 21.2 2010 16.0 15.2 19.8 23.4 27.2 Three-year change (percentage points) 1992 2.2 -0.5 1995 -1.1 3.6 1998 0.4 -2.1 2001 -2.2 1.2 2004 3.2 -0.2 2007 -0.2 2.6 2010 5.3 2.2
6.4 -2.7 0.3 1.9 2.2 0.8 3.2
-0.8 3.7 -2.0 2.4 1.8 1.8 4.4
2010
4.5 1.8 1.2 -3.6 2.5 6.8 6.0
90-100
8.3 6.4 9.5 10.2 10.9 12.0 12.6 15.6 -1.9 3.1 0.7 0.7 1.1 0.6 3.0
Median value of education installment loans for families with holdings By percentile of income
Thousands of 2010 dollars
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of education installment loans for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 4.2 4.9 1992 4.3 4.5 1995 5.7 5.7 1998 8.0 8.3 2001 6.7 8.6 2004 7.2 11.5 2007 9.1 10.2 2010 9.0 9.0 Three-year change (percent) 1992 2.4 -8.2 1995 32.6 26.7 1998 40.4 45.6 2001 -16.2 3.6 2004 7.5 33.7 2007 26.4 -11.3 2010 -1.1 -11.8
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
6.7 5.0 5.0 7.1 9.2 11.5 10.5 13.5
5.6 5.9 4.2 10.7 9.8 9.2 17.8 13.0
3.9 4.2 6.9 6.9 16.5 12.0 12.6 18.4
4.7 9.5 10.4 13.3 11.8 11.5 17.0 24.5
-25.4 0.0 42.0 29.6 25.0 -8.7 28.6
5.4 -28.8 154.8 -8.4 -6.1 93.5 -27.0
7.7 64.3 0.0 139.1 -27.3 5.0 46.0
102.1 9.5 27.9 -11.3 -2.5 47.8 44.1
Mean value of education installment loans for families with holdings By percentile of income
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of education installment loans for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 8.6 5.7 1992 6.6 10.8 1995 9.0 9.9 1998 12.8 16.1 2001 11.2 15.1 2004 17.3 19.3 2007 18.1 16.4 2010 19.7 17.9 Three-year change (percent) 1992 -23.3 89.5 1995 36.4 -8.3 1998 42.2 62.6 2001 -12.5 -6.2 2004 54.5 27.8 2007 4.6 -15.0 2010 8.8 9.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
11.8 14.5 13.3 18.9 16.0 17.8 20.3 29.6
10.7 8.4 9.5 18.0 14.7 18.8 25.2 22.9
6.0 9.9 15.1 14.6 20.2 19.0 25.7 30.3
10.7 16.4 14.3 27.0 31.9 27.8 34.9 42.9
22.9 -8.3 42.1 -15.3 11.2 14.0 45.8
-21.5 13.1 89.5 -18.3 27.9 34.0 -9.1
65.0 52.5 -3.3 38.4 -5.9 35.3 17.9
53.3 -12.8 88.8 18.1 -12.9 25.5 22.9
Percent of families with education installment loans By age of head
40
Percent
30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with education installment loans Age of head Year Less than 35-44 45-54 55-64 65-74 35 Level (percent) 1989 17.1 10.9 7.3 4.1 0.9 1992 24.3 12.7 5.4 3.0 2.0 1995 24.4 13.0 11.3 4.1 1.4 1998 23.6 12.9 10.3 5.6 1.7 2001 26.1 12.5 11.0 5.2 0.6 2004 28.6 14.6 12.6 8.7 0.8 2007 33.8 14.9 14.5 10.6 1.7 2010 40.1 26.5 17.6 9.3 4.2 Three-year change (percentage points) 1992 7.2 1.8 1995 0.1 0.3 1998 -0.8 -0.1 2001 2.5 -0.4 2004 2.5 2.1 2007 5.2 0.3 2010 6.3 11.6
-1.9 5.9 -1.0 0.7 1.6 1.9 3.1
-1.1 1.1 1.5 -0.4 3.5 1.9 -1.3
2010
1.1 -0.6 0.3 -1.1 0.2 0.9 2.5
75 or older
0.0 0.0 1.7 0.1 0.1 1.0 0.3 1.2 0.0 1.7 -1.6 0.0 0.9 -0.7 0.9
Median value of education installment loans for families with holdings
Thousands of 2010 dollars
By age of head
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of education installment loans for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 5.1 3.4 1992 5.0 4.1 1995 5.7 4.5 1998 13.3 6.1 2001 9.8 9.8 2004 10.6 11.1 2007 13.6 12.6 2010 13.0 13.5 Three-year change (percent) 1992 -2.0 20.6 1995 14.0 9.8 1998 133.3 35.6 2001 -26.3 60.7 2004 8.2 13.3 2007 28.3 13.5 2010 -4.4 7.1
Age of head 45-54 55-64
65-74
75 or older
5.7 5.5 7.4 8.0 7.3 7.9 12.6 12.0
4.2 11.1 5.7 9.7 9.8 10.4 7.4 15.1
7.0 9.2 6.9 4.0 2.2 2.3 18.9 12.0
. 1.9 1.4 17.9 6.5 5.8 21.0 12.0
-3.5 34.5 8.1 -8.8 8.2 59.5 -4.8
164.3 -48.6 70.2 1.0 6.1 -28.8 104.1
31.4 -25.0 -42.0 -45.0 4.5 721.7 -36.5
. -26.3 1178.6 -63.7 -10.8 262.1 -42.9
Mean value of education installment loans for families with holdings By age of head
Thousands of 2010 dollars
40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of education installment loans for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 9.8 8.2 1992 10.1 12.3 1995 11.4 9.7 1998 19.9 13.0 2001 14.9 24.5 2004 18.8 21.6 2007 24.8 19.6 2010 25.9 26.5 Three-year change (percent) 1992 3.1 50.0 1995 12.9 -21.1 1998 74.6 34.0 2001 -25.1 88.5 2004 26.2 -11.8 2007 31.9 -9.3 2010 4.4 35.2
Age of head 45-54 55-64
65-74
75 or older
10.5 7.4 14.4 16.7 12.2 18.4 21.7 24.2
5.2 16.1 10.9 20.5 18.4 16.8 19.6 28.5
8.8 10.6 7.7 5.1 1.8 3.2 20.7 15.8
. 1.9 1.6 17.9 7.5 40.0 21.0 21.8
-29.5 94.6 16.0 -26.9 50.8 17.9 11.5
209.6 -32.3 88.1 -10.2 -8.7 16.7 45.4
20.5 -27.4 -33.8 -64.7 77.8 546.9 -23.7
. -15.8 1018.8 -58.1 433.3 -47.5 3.8
Percent of families with education installment loans By family structure
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with education installment loans Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 17.0 15.2 1.3 8.9 1992 15.0 15.5 0.2 13.5 1995 13.7 14.0 1.6 17.3 1998 13.6 16.5 0.4 14.4 2001 14.3 16.2 0.9 14.9 2004 14.4 19.7 1.8 18.0 2007 20.2 18.7 1.3 20.7 2010 23.2 24.3 2.9 27.0 Three-year change (percentage points) 1992 -2.0 0.3 1995 -1.3 -1.5 1998 -0.1 2.5 2001 0.7 -0.3 2004 0.1 3.5 2007 5.8 -1.0 2010 3.0 5.6
2010
-1.1 1.4 -1.2 0.5 0.9 -0.5 1.6
4.6 3.8 -2.9 0.5 3.1 2.7 6.3
Couple, no child
5.9 8.2 8.6 9.2 10.0 10.5 12.5 14.4 2.3 0.4 0.6 0.8 0.5 2.0 1.9
Median value of education installment loans for families with holdings
Thousands of 2010 dollars
By family structure
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of education installment loans for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 2.7 4.9 1992 4.1 5.0 1995 4.2 5.7 1998 4.0 10.7 2001 6.0 11.0 2004 8.1 9.2 2007 7.3 12.3 2010 9.9 15.0 Three-year change (percent) 1992 51.9 1995 2.4 1998 -4.8 2001 50.0 2004 35.0 2007 -9.9 2010 35.6
2.0 14.0 87.7 2.8 -16.4 33.7 22.0
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
4.2 3.0 1.4 3.2 2.4 15.0 4.2 10.5
6.2 5.4 5.4 9.1 9.4 11.5 12.6 13.0
5.9 5.6 6.7 14.0 10.8 9.2 16.9 14.6
-28.6 -53.3 128.6 -25.0 525.0 -72.0 150.0
-12.9 0.0 68.5 3.3 22.3 9.6 3.2
-5.1 19.6 109.0 -22.9 -14.8 83.7 -13.6
Mean value of education installment loans for families with holdings
Thousands of 2010 dollars
By family structure
30 25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of education installment loans for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 5.6 10.3 1992 6.0 9.5 1995 7.6 9.6 1998 10.5 17.4 2001 15.0 18.3 2004 19.0 17.3 2007 12.4 23.2 2010 20.8 29.2 Three-year change (percent) 1992 7.1 1995 26.7 1998 38.2 2001 42.9 2004 26.7 2007 -34.7 2010 67.7
-7.8 1.1 81.2 5.2 -5.5 34.1 25.9
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
4.4 3.0 2.6 4.1 9.3 16.9 8.7 18.5
11.1 13.5 10.7 16.7 14.2 18.9 23.9 24.5
8.0 10.2 17.8 23.1 20.9 22.3 27.4 29.3
-31.8 -13.3 57.7 126.8 81.7 -48.5 112.6
21.6 -20.7 56.1 -15.0 33.1 26.5 2.5
27.5 74.5 29.8 -9.5 6.7 22.9 6.9
Percent of families with education installment loans By education of head
25
Percent
20 15 10 5 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
High school diploma College degree
Percent of families with education installment loans Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 1.5 7.0 12.5 1992 2.4 7.4 12.6 1995 2.4 8.6 16.0 1998 2.6 5.7 15.0 2001 2.8 8.5 14.5 2004 3.4 6.7 20.5 2007 5.7 8.8 18.0 2010 5.5 13.0 25.9 Three-year change (percentage points) 1992 0.9 1995 0.0 1998 0.2 2001 0.2 2004 0.6 2007 2.3 2010 -0.2
0.4 1.2 -2.9 2.8 -1.8 2.1 4.2
2010
0.1 3.4 -1.0 -0.5 6.0 -2.5 7.9
College degree
15.7 18.0 18.4 19.1 17.6 19.6 23.4 25.5 2.3 0.4 0.7 -1.5 2.0 3.8 2.1
Median value of education installment loans for families with holdings By education of head
Thousands of 2010 dollars
20 15 10 5 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of education installment loans for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 3.9 1992 3.8 1995 6.5 1998 5.2 2001 3.3 2004 5.8 2007 6.3 2010 6.2 Three-year change (percent) 1992 -2.6 1995 71.1 1998 -20.0 2001 -36.5 2004 75.8 2007 8.6 2010 -1.6
Education of head High school Some college diploma
College degree
4.2 4.0 3.5 4.5 6.1 5.8 6.5 8.0
5.3 4.1 5.0 8.0 6.5 7.3 10.1 12.0
5.6 5.9 7.1 11.4 12.9 16.1 19.7 18.2
-4.8 -12.5 28.6 35.6 -4.9 12.1 23.1
-22.6 22.0 60.0 -18.8 12.3 38.4 18.8
5.4 20.3 60.6 13.2 24.8 22.4 -7.6
Mean value of education installment loans for families with holdings By education of head
Thousands of 2010 dollars
35 30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of education installment loans for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 4.7 1992 3.9 1995 5.5 1998 7.8 2001 5.3 2004 8.9 2007 9.9 2010 9.0 Three-year change (percent) 1992 -17.0 1995 41.0 1998 41.8 2001 -32.1 2004 67.9 2007 11.2 2010 -9.1
Education of head High school Some college diploma
College degree
6.0 6.1 6.1 7.4 10.1 14.1 13.1 12.8
7.7 6.5 12.0 15.4 10.3 13.1 14.3 19.8
11.8 14.7 13.9 21.6 23.5 24.6 30.3 35.4
1.7 0.0 21.3 36.5 39.6 -7.1 -2.3
-15.6 84.6 28.3 -33.1 27.2 9.2 38.5
24.6 -5.4 55.4 8.8 4.7 23.2 16.8
Percent of families with education installment loans By race or ethnicity of respondent
20 18
Percent
16 14 12 10 8 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with education installment loans Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 8.3 10.8 11.6 11.4 11.2 13.7 13.9 19.0
Three-year change (percentage points) 1992 2.5 1995 0.8 1998 -0.2 2001 -0.2 2004 2.5 2007 0.2 2010 5.1
10.8 10.3 12.7 11.4 13.5 12.9 18.5 19.6 -0.5 2.4 -1.3 2.1 -0.6 5.6 1.1
Median value of education installment loans for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of education installment loans for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 5.4 4.2 1992 5.3 4.4 1995 5.5 5.7 1998 10.0 6.9 2001 9.8 6.1 2004 11.5 8.1 2007 13.1 10.1 2010 13.5 12.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-1.9 3.8 81.8 -2.0 17.3 13.9 3.1
4.8 29.5 21.1 -11.6 32.8 24.7 18.8
Mean value of education installment loans for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of education installment loans for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 10.5 6.1 1992 11.9 7.0 1995 11.0 12.2 1998 19.1 11.4 2001 17.8 14.3 2004 20.1 16.9 2007 24.5 18.9 2010 24.9 27.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
13.3 -7.6 73.6 -6.8 12.9 21.9 1.6
14.8 74.3 -6.6 25.4 18.2 11.8 43.9
Percent of families with education installment loans By current work status of head
30
Percent
25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Self−employed Other not working
Percent of families with education installment loans Current work status of head Employee Self-employed Retired
11.9 14.2 15.6 15.1 15.7 17.8 20.1 25.0
Three-year change (percentage points) 1992 2.3 1995 1.4 1998 -0.5 2001 0.6 2004 2.1 2007 2.3 2010 4.9
2010
Other not working
8.4 10.1 12.3 9.5 9.6 9.4 11.1 17.2
1.4 2.3 2.0 1.8 0.8 2.0 3.7 4.3
13.2 14.8 16.0 18.3 20.4 27.7 24.0 27.9
1.7 2.2 -2.8 0.1 -0.2 1.7 6.1
0.9 -0.3 -0.2 -1.0 1.2 1.7 0.6
1.6 1.2 2.3 2.1 7.3 -3.7 3.9
Median value of education installment loans for families with holdings
Thousands of 2010 dollars
By current work status of head
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of education installment loans for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 5.6 1992 5.0 1995 5.4 1998 9.3 2001 8.6 2004 10.4 2007 12.6 2010 14.5
5.3 5.2 5.4 7.1 11.0 17.3 13.6 11.0
4.2 5.5 3.7 4.7 20.7 5.8 10.5 9.0
2.9 4.5 7.9 10.7 9.8 8.6 10.5 10.0
Three-year change (percent) 1992 -10.7 1995 8.0 1998 72.2 2001 -7.5 2004 20.9 2007 21.2 2010 15.1
-1.9 3.8 31.5 54.9 57.3 -21.4 -19.1
31.0 -32.7 27.0 340.4 -72.0 81.0 -14.3
55.2 75.6 35.4 -8.4 -12.2 22.1 -4.8
Mean value of education installment loans for families with holdings By current work status of head
Thousands of 2010 dollars
35 30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of education installment loans for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 8.9 1992 11.1 1995 11.4 1998 17.5 2001 15.9 2004 18.7 2007 22.3 2010 25.4
11.8 11.2 11.8 16.0 25.3 24.0 31.6 34.4
11.1 7.3 5.8 8.4 18.5 7.7 14.3 20.1
7.8 9.4 12.4 20.7 15.3 24.2 22.0 21.5
Three-year change (percent) 1992 24.7 1995 2.7 1998 53.5 2001 -9.1 2004 17.6 2007 19.3 2010 13.9
-5.1 5.4 35.6 58.1 -5.1 31.7 8.9
-34.2 -20.5 44.8 120.2 -58.4 85.7 40.6
20.5 31.9 66.9 -26.1 58.2 -9.1 -2.3
Percent of families with education installment loans By current occupation of head
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
Technical, sales, or services Retired or other not working
Percent of families with education installment loans Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 14.1 13.2 7.2 1992 17.8 12.0 10.5 1995 17.9 16.8 11.2 1998 19.0 13.5 10.2 2001 16.5 15.6 11.4 2004 19.7 13.8 14.8 2007 22.6 17.9 14.7 2010 25.4 27.4 17.0 Three-year change (percentage points) 1992 3.7 1995 0.1 1998 1.1 2001 -2.5 2004 3.2 2007 2.9 2010 2.8
-1.2 4.8 -3.3 2.1 -1.8 4.1 9.5
2010
3.3 0.7 -1.0 1.2 3.4 -0.1 2.3
Retired or other not working 3.8 5.3 4.9 4.7 4.0 6.0 6.9 9.4 1.5 -0.4 -0.2 -0.7 2.0 0.9 2.5
Median value of education installment loans for families with holdings By current occupation of head
Thousands of 2010 dollars
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of education installment loans for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 5.3 5.3 6.2 1992 5.0 4.3 5.4 1995 6.4 5.0 4.9 1998 13.3 8.0 5.1 2001 11.0 8.3 7.0 2004 16.1 8.1 7.9 2007 17.8 10.5 8.4 2010 18.4 12.0 9.9 Year
Three-year change (percent) 1992 -5.7 1995 28.0 1998 107.8 2001 -17.3 2004 46.4 2007 10.6 2010 3.4
-18.9 16.3 60.0 3.8 -2.4 29.6 14.3
-12.9 -9.3 4.1 37.3 12.9 6.3 17.9
Retired or other not working 2.9 4.9 7.1 6.7 9.8 8.1 10.5 9.9 69.0 44.9 -5.6 46.3 -17.3 29.6 -5.7
Mean value of education installment loans for families with holdings
Thousands of 2010 dollars
By current occupation of head
35 30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of education installment loans for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 11.6 7.5 8.0 1992 15.3 8.2 7.3 1995 15.0 9.7 9.4 1998 23.7 13.4 10.4 2001 21.3 15.0 11.6 2004 23.4 16.7 14.2 2007 29.7 19.5 14.6 2010 35.7 21.0 16.5 Year
Three-year change (percent) 1992 31.9 1995 -2.0 1998 58.0 2001 -10.1 2004 9.9 2007 26.9 2010 20.2
9.3 18.3 38.1 11.9 11.3 16.8 7.7
-8.8 28.8 10.6 11.5 22.4 2.8 13.0
Retired or other not working 8.8 8.7 10.2 16.8 15.9 19.5 18.5 21.0 -1.1 17.2 64.7 -5.4 22.6 -5.1 13.5
Percent of families with education installment loans By region
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
2007 South
Percent of families with education installment loans Region Northeast Midwest South 10.8 11.7 16.4 11.8 11.6 14.3 17.4 19.0
Three-year change (percentage points) 1992 0.9 1995 4.7 1998 -4.6 2001 -0.2 2004 2.7 2007 3.1 2010 1.6
2010
West
7.9 11.3 12.0 11.0 12.9 14.6 15.4 21.1
8.7 10.0 8.7 9.4 10.5 11.7 13.9 18.2
8.7 10.0 12.7 14.6 12.8 14.7 15.5 18.9
3.4 0.7 -1.0 1.9 1.7 0.8 5.7
1.3 -1.3 0.7 1.1 1.2 2.2 4.3
1.3 2.7 1.9 -1.8 1.9 0.8 3.4
Median value of education installment loans for families with holdings By region
Thousands of 2010 dollars
16 14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of education installment loans for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 4.8 1992 4.5 1995 5.0 1998 7.6 2001 10.5 2004 12.0 2007 12.6 2010 13.9 Three-year change (percent) 1992 -6.2 1995 11.1 1998 52.0 2001 38.2 2004 14.3 2007 5.0 2010 10.3
Midwest
South
West
6.2 6.1 5.7 9.3 9.8 13.3 15.5 13.0
4.6 5.5 6.1 9.3 6.7 8.1 11.9 12.0
4.2 4.1 5.4 9.3 10.8 9.5 13.6 13.6
-1.6 -6.6 63.2 5.4 35.7 16.5 -16.1
19.6 10.9 52.5 -28.0 20.9 46.9 0.8
-2.4 31.7 72.2 16.1 -12.0 43.2 0.0
Mean value of education installment loans for families with holdings
Thousands of 2010 dollars
By region
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of education installment loans for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 12.0 1992 10.2 1995 15.9 1998 19.1 2001 17.3 2004 22.5 2007 19.8 2010 26.2 Three-year change (percent) 1992 -15.0 1995 55.9 1998 20.1 2001 -9.4 2004 30.1 2007 -12.0 2010 32.3
Midwest
South
West
9.6 15.9 10.5 16.6 16.2 20.7 23.2 25.8
8.0 9.1 9.6 15.3 13.7 16.7 23.2 25.0
7.0 7.0 8.6 18.7 21.0 18.3 23.3 26.0
65.6 -34.0 58.1 -2.4 27.8 12.1 11.2
13.8 5.5 59.4 -10.5 21.9 38.9 7.8
0.0 22.9 117.4 12.3 -12.9 27.3 11.6
Percent of families with education installment loans By urbanicity
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with education installment loans Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 9.8 10.9 12.4 11.5 12.2 13.9 15.9 20.4
Three-year change (percentage points) 1992 1.1 1995 1.5 1998 -0.9 2001 0.7 2004 1.7 2007 2.0 2010 4.5
2010
5.4 9.6 8.8 10.9 9.0 11.6 12.0 13.3 4.2 -0.8 2.1 -1.9 2.6 0.4 1.3
Median value of education installment loans for families with holdings By urbanicity
Thousands of 2010 dollars
14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of education installment loans for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 4.9 1992 5.0 1995 5.7 1998 9.1 2001 9.8 2004 10.6 2007 13.1 2010 13.1 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
2.0 14.0 59.6 7.7 8.2 23.6 0.0
2010
Non-MSA
6.2 4.5 4.2 11.1 6.7 8.1 8.4 9.9 -27.4 -6.7 164.3 -39.6 20.9 3.7 17.9
Mean value of education installment loans for families with holdings By urbanicity
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of education installment loans for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 9.4 1992 10.8 1995 11.3 1998 17.5 2001 17.2 2004 19.6 2007 23.7 2010 26.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
14.9 4.6 54.9 -1.7 14.0 20.9 12.7
2010
Non-MSA
7.6 10.0 11.3 16.4 13.4 17.0 14.5 17.9 31.6 13.0 45.1 -18.3 26.9 -14.7 23.4
Percent of families with education installment loans By housing status
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with education installment loans Housing status Owner Renter or other 6.7 7.3 9.3 9.2 9.6 11.0 12.8 16.8
Three-year change (percentage points) 1992 0.6 1995 2.0 1998 -0.1 2001 0.4 2004 1.4 2007 1.8 2010 4.0
12.8 16.6 16.6 15.6 16.3 19.1 20.6 24.1 3.8 0.0 -1.0 0.7 2.8 1.5 3.5
2010
Median value of education installment loans for families with holdings By housing status
Thousands of 2010 dollars
16 14 12 10 8 6 4 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of education installment loans for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 5.1 1992 5.5 1995 5.0 1998 8.3 2001 9.8 2004 11.2 2007 15.5 2010 14.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
7.8 -9.1 66.0 18.1 14.3 38.4 -9.7
Renter or other 5.1 4.9 5.7 10.7 8.6 9.8 10.5 11.4 -3.9 16.3 87.7 -19.6 14.0 7.1 8.6
2010
Mean value of education installment loans for families with holdings By housing status
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of education installment loans for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 8.7 1992 13.7 1995 11.2 1998 15.6 2001 18.1 2004 20.1 2007 25.3 2010 27.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
57.5 -18.2 39.3 16.0 11.0 25.9 6.7
Renter or other 9.6 8.4 11.4 19.3 15.1 18.1 18.7 23.6 -12.5 35.7 69.3 -21.8 19.9 3.3 26.2
2010
Percent of families with education installment loans By percentile of net worth
40
Percent
30 20 10 0 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with education installment loans Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 14.4 9.3 6.8 6.4 1992 20.2 10.5 6.9 5.7 1995 19.7 12.7 9.5 6.3 1998 20.5 11.7 8.4 5.4 2001 19.7 11.5 10.6 7.4 2004 23.3 14.2 10.6 6.7 2007 25.7 15.2 13.1 8.0 2010 33.9 19.7 14.9 10.1 Three-year change (percentage points) 1992 5.8 1.2 1995 -0.5 2.2 1998 0.8 -1.0 2001 -0.8 -0.2 2004 3.6 2.7 2007 2.4 1.0 2010 8.2 4.5
0.1 2.6 -1.1 2.2 0.0 2.5 1.8
2010
-0.7 0.6 -0.9 2.0 -0.7 1.3 2.1
90-100 3.3 4.0 4.6 4.3 2.0 4.5 5.6 5.3 0.7 0.6 -0.3 -2.3 2.5 1.1 -0.3
Median value of education installment loans for families with holdings By percentile of net worth
Thousands of 2010 dollars
20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of education installment loans for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 5.1 4.2 1992 5.5 4.0 1995 7.1 5.0 1998 13.3 6.0 2001 11.0 6.1 2004 11.5 8.1 2007 12.6 12.6 2010 16.0 10.0 Three-year change (percent) 1992 7.8 1995 29.1 1998 87.3 2001 -17.3 2004 4.5 2007 9.6 2010 27.0
-4.8 25.0 20.0 1.7 32.8 55.6 -20.6
Percentile of net worth 50-74.9
75-89.9
90-100
5.7 3.9 4.1 9.1 9.8 11.5 10.5 11.5
5.9 3.8 6.8 5.1 10.3 9.2 12.6 12.4
3.4 8.7 5.0 10.7 17.2 8.6 19.9 14.0
-31.6 5.1 122.0 7.7 17.3 -8.7 9.5
-35.6 78.9 -25.0 102.0 -10.7 37.0 -1.6
155.9 -42.5 114.0 60.7 -50.0 131.4 -29.6
Mean value of education installment loans for families with holdings By percentile of net worth
Thousands of 2010 dollars
70 60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of education installment loans for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 11.0 5.8 1992 13.3 7.3 1995 14.3 8.1 1998 22.8 11.4 2001 17.4 11.6 2004 20.4 15.0 2007 22.1 19.9 2010 33.5 17.5 Three-year change (percent) 1992 20.9 1995 7.5 1998 59.4 2001 -23.7 2004 17.2 2007 8.3 2010 51.6
25.9 11.0 40.7 1.8 29.3 32.7 -12.1
Percentile of net worth 50-74.9
75-89.9
90-100
7.4 8.3 8.1 15.2 14.2 21.7 22.5 20.4
14.6 7.5 14.5 9.1 24.0 23.2 26.4 21.3
6.0 17.3 11.2 17.9 69.5 12.5 36.2 25.3
12.2 -2.4 87.7 -6.6 52.8 3.7 -9.3
-48.6 93.3 -37.2 163.7 -3.3 13.8 -19.3
188.3 -35.3 59.8 288.3 -82.0 189.6 -30.1
Percent of families with other installment loans For all families
25
Percent
20
15
10
5 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with other installment loans All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
22.0 19.1 16.0 12.2 11.0 8.5 10.1 11.5 -2.9 -3.1 -3.8 -1.2 -2.5 1.6 1.4
2007
2010
Median value of other installment loans for families with holdings For all families
Thousands of 2010 dollars
3.5
3
2.5
2
1.5 1989
1992
1995
1998 2001 Year
2004
2007
Median value of other installment loans for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 2.4 1.6 2.0 2.2 2.5 2.9 2.9 3.4 -33.3 25.0 10.0 13.6 16.0 0.0 17.2
2010
Mean value of other installment loans for families with holdings For all families
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of other installment loans for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 9.8 6.5 7.0 14.2 13.3 21.6 15.4 14.9 -33.7 7.7 102.9 -6.3 62.4 -28.7 -3.2
2010
Percent of families with other installment loans By percentile of income
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with other installment loans Percentile of income Year Less than 20-39.9 40-59.9 60-79.9 80-89.9 20 Level (percent) 1989 20.2 23.5 23.4 26.6 19.5 1992 17.3 20.5 25.3 19.4 15.3 1995 11.2 17.1 18.9 18.9 18.2 1998 10.3 11.1 15.6 12.0 13.6 2001 10.2 13.6 11.5 10.4 10.0 2004 7.3 11.5 10.0 8.5 7.1 2007 9.8 12.5 12.6 8.9 8.3 2010 13.3 13.3 14.3 9.7 8.7 Three-year change (percentage points) 1992 -2.9 -3.0 1995 -6.1 -3.4 1998 -0.9 -6.0 2001 -0.1 2.5 2004 -2.9 -2.1 2007 2.5 1.0 2010 3.5 0.8
1.9 -6.4 -3.3 -4.1 -1.5 2.6 1.7
-7.2 -0.5 -6.9 -1.6 -1.9 0.4 0.8
2010
-4.2 2.9 -4.6 -3.6 -2.9 1.2 0.4
90-100
13.3 10.3 9.8 10.8 8.4 3.7 5.3 4.7 -3.0 -0.5 1.0 -2.4 -4.7 1.6 -0.6
Median value of other installment loans for families with holdings By percentile of income
Thousands of 2010 dollars
15
10
5
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of other installment loans for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 0.8 1.8 1992 1.5 1.5 1995 1.0 1.4 1998 1.5 1.5 2001 1.7 2.2 2004 1.6 2.0 2007 2.4 1.7 2010 2.4 3.0 Three-year change (percent) 1992 87.5 -16.7 1995 -33.3 -6.7 1998 50.0 7.1 2001 13.3 46.7 2004 -5.9 -9.1 2007 50.0 -15.0 2010 0.0 76.5
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
2.5 1.5 2.2 1.9 2.5 3.0 3.0 3.1
3.4 2.0 2.1 2.5 2.5 3.0 3.3 4.2
2.8 2.0 3.1 3.2 3.9 5.8 4.4 4.0
14.3 7.6 7.1 13.2 3.7 5.4 6.6 12.0
-40.0 46.7 -13.6 31.6 20.0 0.0 3.3
-41.2 5.0 19.0 0.0 20.0 10.0 27.3
-28.6 55.0 3.2 21.9 48.7 -24.1 -9.1
-46.9 -6.6 85.9 -72.0 45.9 22.2 81.8
Mean value of other installment loans for families with holdings By percentile of income
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of other installment loans for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 2.6 5.6 1992 4.1 5.9 1995 5.0 4.3 1998 5.6 5.6 2001 7.8 7.7 2004 4.8 16.5 2007 12.0 15.1 2010 17.8 11.0 Three-year change (percent) 1992 57.7 5.4 1995 22.0 -27.1 1998 12.0 30.2 2001 39.3 37.5 2004 -38.5 114.3 2007 150.0 -8.5 2010 48.3 -27.2
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
10.0 5.6 6.3 7.8 6.8 13.5 9.3 8.9
10.5 6.2 5.8 22.3 9.0 24.1 12.9 13.8
6.5 4.0 9.0 20.6 12.2 40.5 9.5 8.8
49.3 25.3 24.2 40.7 74.2 113.8 76.2 72.8
-44.0 12.5 23.8 -12.8 98.5 -31.1 -4.3
-41.0 -6.5 284.5 -59.6 167.8 -46.5 7.0
-38.5 125.0 128.9 -40.8 232.0 -76.5 -7.4
-48.7 -4.3 68.2 82.3 53.4 -33.0 -4.5
Percent of families with other installment loans By age of head
30
Percent
25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with other installment loans Age of head Year Less than 35-44 45-54 55-64 65-74 35 Level (percent) 1989 30.7 30.1 21.5 12.3 11.3 1992 26.8 24.6 20.7 13.3 8.5 1995 22.8 22.8 17.6 8.7 4.9 1998 19.1 15.9 12.5 7.6 6.2 2001 17.9 13.8 8.8 8.5 6.7 2004 13.2 10.3 8.4 6.4 4.6 2007 13.5 14.3 10.7 8.7 6.0 2010 12.6 14.5 12.1 12.5 8.3 Three-year change (percentage points) 1992 -3.9 -5.5 1995 -4.0 -1.8 1998 -3.7 -6.9 2001 -1.2 -2.1 2004 -4.7 -3.5 2007 0.3 4.0 2010 -0.9 0.2
-0.8 -3.1 -5.1 -3.7 -0.4 2.3 1.4
1.0 -4.6 -1.1 0.9 -2.1 2.3 3.8
2010
-2.8 -3.6 1.3 0.5 -2.1 1.4 2.3
75 or older
6.2 3.7 3.3 0.3 1.5 2.6 1.0 4.3 -2.5 -0.4 -3.0 1.2 1.1 -1.6 3.3
Median value of other installment loans for families with holdings By age of head
Thousands of 2010 dollars
20
15
10
5
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of other installment loans for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 1.7 3.3 1992 1.4 1.5 1995 1.4 2.4 1998 1.6 3.0 2001 1.8 2.7 2004 1.7 5.2 2007 1.8 3.2 2010 2.2 4.1 Three-year change (percent) 1992 -17.6 -54.5 1995 0.0 60.0 1998 14.3 25.0 2001 12.5 -10.0 2004 -5.6 92.6 2007 5.9 -38.5 2010 22.2 28.1
Age of head 45-54 55-64
65-74
75 or older
3.9 2.0 2.7 3.0 3.1 3.3 3.9 3.2
1.7 2.3 1.3 1.3 3.9 4.1 3.6 4.5
1.4 2.9 1.6 2.5 3.4 2.8 5.8 4.0
3.0 4.7 1.0 0.5 6.1 21.2 2.1 3.2
-48.7 35.0 11.1 3.3 6.5 18.2 -17.9
35.3 -43.5 0.0 200.0 5.1 -12.2 25.0
107.1 -44.8 56.2 36.0 -17.6 107.1 -31.0
56.7 -78.7 -50.0 1120.0 247.5 -90.1 52.4
Mean value of other installment loans for families with holdings By age of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of other installment loans for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 7.4 11.8 1992 5.8 6.2 1995 5.1 5.7 1998 11.3 15.5 2001 6.2 15.6 2004 10.9 14.2 2007 6.6 15.0 2010 10.9 14.5 Three-year change (percent) 1992 -21.6 -47.5 1995 -12.1 -8.1 1998 121.6 171.9 2001 -45.1 0.6 2004 75.8 -9.0 2007 -39.4 5.6 2010 65.2 -3.3
Age of head 45-54 55-64
65-74
75 or older
12.3 6.1 11.9 16.6 19.2 15.2 21.0 12.3
11.4 6.7 5.0 17.1 19.8 22.5 27.0 19.2
5.8 9.4 15.6 13.8 8.7 26.2 14.5 13.7
15.6 14.9 3.2 1.8 57.2 216.0 2.3 35.5
-50.4 95.1 39.5 15.7 -20.8 38.2 -41.4
-41.2 -25.4 242.0 15.8 13.6 20.0 -28.9
62.1 66.0 -11.5 -37.0 201.1 -44.7 -5.5
-4.5 -78.5 -43.8 3077.8 277.6 -98.9 1443.5
Percent of families with other installment loans By family structure
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with other installment loans Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 25.2 21.0 8.3 30.5 1992 27.1 22.7 6.7 23.4 1995 19.8 19.0 5.5 21.3 1998 12.9 13.0 2.8 17.5 2001 12.9 13.7 4.5 14.3 2004 8.3 13.6 5.5 9.4 2007 13.5 11.9 6.7 12.7 2010 13.9 12.8 8.6 12.7 Three-year change (percentage points) 1992 1.9 1.7 1995 -7.3 -3.7 1998 -6.9 -6.0 2001 0.0 0.7 2004 -4.6 -0.1 2007 5.2 -1.7 2010 0.4 0.9
2010
-1.6 -1.2 -2.7 1.7 1.0 1.2 1.9
-7.1 -2.1 -3.8 -3.2 -4.9 3.3 0.0
Couple, no child
16.8 14.8 11.7 9.8 8.1 6.3 6.6 9.8 -2.0 -3.1 -1.9 -1.7 -1.8 0.3 3.2
Median value of other installment loans for families with holdings By family structure
Thousands of 2010 dollars
5 4 3 2 1 1989
1992
1995
1998
2001
2004
2007
2010
Year Single with child(ren) Single, no child, age>=55 Couple, no child
Single, no child, age<55 Couple with child(ren)
Median value of other installment loans for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 0.8 1.7 1992 1.4 1.4 1995 1.3 2.2 1998 1.6 2.0 2001 1.7 2.5 2004 1.5 2.3 2007 2.6 2.3 2010 3.5 2.5 Three-year change (percent) 1992 75.0 1995 -7.1 1998 23.1 2001 6.2 2004 -11.8 2007 73.3 2010 34.6
-17.6 57.1 -9.1 25.0 -8.0 0.0 8.7
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
1.5 4.0 1.5 1.3 1.2 3.3 2.9 3.3
2.8 1.7 2.2 2.7 2.5 3.0 2.8 3.8
2.9 2.3 2.3 1.8 2.5 4.6 5.0 3.9
166.7 -62.5 -13.3 -7.7 175.0 -12.1 13.8
-39.3 29.4 22.7 -7.4 20.0 -6.7 35.7
-20.7 0.0 -21.7 38.9 84.0 8.7 -22.0
Mean value of other installment loans for families with holdings
Thousands of 2010 dollars
By family structure
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of other installment loans for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 4.0 7.9 1992 5.0 4.5 1995 3.7 4.7 1998 9.2 16.4 2001 6.9 15.7 2004 17.6 7.6 2007 8.8 8.2 2010 14.8 16.6 Three-year change (percent) 1992 25.0 1995 -26.0 1998 148.6 2001 -25.0 2004 155.1 2007 -50.0 2010 68.2
-43.0 4.4 248.9 -4.3 -51.6 7.9 102.4
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
6.0 7.3 7.0 11.2 10.8 15.3 5.7 11.8
11.6 7.4 7.5 17.0 15.1 16.9 14.4 12.2
12.0 7.4 10.4 9.2 12.4 53.1 36.3 19.3
21.7 -4.1 60.0 -3.6 41.7 -62.7 107.0
-36.2 1.4 126.7 -11.2 11.9 -14.8 -15.3
-38.3 40.5 -11.5 34.8 328.2 -31.6 -46.8
Percent of families with other installment loans By education of head
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
-1.4 -3.5 -3.0 -1.2 -2.1 1.4 2.0
2010
High school diploma College degree
Percent of families with other installment loans Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 23.1 21.3 25.7 1992 17.6 19.9 20.5 1995 15.1 16.4 18.1 1998 10.3 13.4 14.0 2001 10.9 12.2 11.7 2004 8.5 10.1 11.3 2007 10.9 11.5 11.4 2010 15.2 13.5 12.2 Three-year change (percentage points) 1992 -5.5 1995 -2.5 1998 -4.8 2001 0.6 2004 -2.4 2007 2.4 2010 4.3
2007
-5.2 -2.4 -4.1 -2.3 -0.4 0.1 0.8
College degree
19.9 18.4 14.9 11.2 9.5 5.9 7.9 8.2 -1.5 -3.5 -3.7 -1.7 -3.6 2.0 0.3
Median value of other installment loans for families with holdings By education of head
Thousands of 2010 dollars
5
4
3
2
1 1989
1992
1995
1998
2001
2004
2007
2010
Year No high school diploma Some college
High school diploma College degree
Median value of other installment loans for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 1.4 1992 1.5 1995 1.1 1998 1.1 2001 2.3 2004 2.0 2007 2.1 2010 2.2 Three-year change (percent) 1992 7.1 1995 -26.7 1998 0.0 2001 109.1 2004 -13.0 2007 5.0 2010 4.8
Education of head High school Some college diploma
College degree
1.4 1.5 2.0 1.8 2.1 2.4 2.6 2.9
3.0 1.5 1.4 2.7 2.5 3.3 4.2 3.4
3.5 2.3 4.1 4.0 3.9 5.2 3.1 4.4
7.1 33.3 -10.0 16.7 14.3 8.3 11.5
-50.0 -6.7 92.9 -7.4 32.0 27.3 -19.0
-34.3 78.3 -2.4 -2.5 33.3 -40.4 41.9
Mean value of other installment loans for families with holdings By education of head
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of other installment loans for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 4.1 1992 4.5 1995 4.1 1998 7.6 2001 7.3 2004 9.7 2007 6.5 2010 7.4 Three-year change (percent) 1992 9.8 1995 -8.9 1998 85.4 2001 -3.9 2004 32.9 2007 -33.0 2010 13.8
Education of head High school Some college diploma
College degree
5.9 5.3 5.7 5.8 5.7 12.4 10.3 12.8
9.1 4.3 4.5 22.5 9.5 10.3 22.6 9.8
21.1 10.2 12.1 21.0 28.1 52.4 21.9 26.0
-10.2 7.5 1.8 -1.7 117.5 -16.9 24.3
-52.7 4.7 400.0 -57.8 8.4 119.4 -56.6
-51.7 18.6 73.6 33.8 86.5 -58.2 18.7
Percent of families with other installment loans By race or ethnicity of respondent
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with other installment loans Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 20.9 17.9 15.8 12.3 10.6 8.3 9.3 10.6
Three-year change (percentage points) 1992 -3.0 1995 -2.1 1998 -3.5 2001 -1.7 2004 -2.3 2007 1.0 2010 1.3
25.4 22.5 16.7 12.0 12.0 9.1 12.2 13.3 -2.9 -5.8 -4.7 0.0 -2.9 3.1 1.1
Median value of other installment loans for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
4 3.5 3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of other installment loans for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 3.0 1.2 1992 2.0 1.3 1995 2.4 1.1 1998 2.2 2.3 2001 2.7 1.7 2004 3.3 2.2 2007 3.7 2.0 2010 3.8 3.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-33.3 20.0 -8.3 22.7 22.2 12.1 2.7
8.3 -15.4 109.1 -26.1 29.4 -9.1 50.0
Mean value of other installment loans for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of other installment loans for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 11.7 5.4 1992 7.5 3.9 1995 7.2 6.3 1998 15.7 8.9 2001 15.2 8.1 2004 22.8 18.6 2007 18.2 10.4 2010 16.4 12.3 Three-year change (percent) 1992 -35.9 1995 -4.0 1998 118.1 2001 -3.2 2004 50.0 2007 -20.2 2010 -9.9
-27.8 61.5 41.3 -9.0 129.6 -44.1 18.3
Percent of families with other installment loans By current work status of head
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 -2.8 1995 -2.1 1998 -5.6 2001 -2.4 2004 -2.5 2007 1.8 2010 0.5
2010
Self−employed Other not working
Percent of families with other installment loans Current work status of head Employee Self-employed Retired
25.4 22.6 20.5 14.9 12.5 10.0 11.8 12.3
2007
Other not working
23.5 21.0 15.8 14.1 11.9 7.1 7.1 11.7
13.1 10.1 6.1 5.2 5.3 5.5 6.4 8.8
24.5 21.8 14.6 11.0 16.0 9.3 14.9 13.4
-2.5 -5.2 -1.7 -2.2 -4.8 0.0 4.6
-3.0 -4.0 -0.9 0.1 0.2 0.9 2.4
-2.7 -7.2 -3.6 5.0 -6.7 5.6 -1.5
Median value of other installment loans for families with holdings By current work status of head
Thousands of 2010 dollars
12 10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of other installment loans for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 2.5 1992 1.5 1995 2.1 1998 2.0 2001 2.3 2004 2.3 2007 2.6 2010 3.2
7.4 3.1 2.3 10.7 4.3 5.8 11.8 6.3
1.5 2.3 1.1 1.3 2.5 3.5 3.1 2.4
0.8 1.4 2.4 1.6 2.5 1.9 1.8 3.2
Three-year change (percent) 1992 -40.0 1995 40.0 1998 -4.8 2001 15.0 2004 0.0 2007 13.0 2010 23.1
-58.1 -25.8 365.2 -59.8 34.9 103.4 -46.6
53.3 -52.2 18.2 92.3 40.0 -11.4 -22.6
75.0 71.4 -33.3 56.2 -24.0 -5.3 77.8
Mean value of other installment loans for families with holdings By current work status of head
Thousands of 2010 dollars
60 50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of other installment loans for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 6.7 1992 5.1 1995 6.4 1998 11.1 2001 9.9 2004 13.6 2007 10.4 2010 11.9
32.5 12.5 11.8 42.3 38.3 28.1 56.0 38.1
7.3 7.9 6.4 5.2 5.5 56.8 20.3 11.3
6.4 5.7 6.4 3.5 13.3 12.8 12.0 12.2
Three-year change (percent) 1992 -23.9 1995 25.5 1998 73.4 2001 -10.8 2004 37.4 2007 -23.5 2010 14.4
-61.5 -5.6 258.5 -9.5 -26.6 99.3 -32.0
8.2 -19.0 -18.8 5.8 932.7 -64.3 -44.3
-10.9 12.3 -45.3 280.0 -3.8 -6.2 1.7
Percent of families with other installment loans By current occupation of head
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
0.0 -3.8 -5.4 -0.6 -2.0 0.4 2.8
2010
Technical, sales, or services Retired or other not working
Percent of families with other installment loans Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 23.0 23.1 28.8 1992 20.7 23.1 23.1 1995 17.4 19.3 22.1 1998 12.8 13.9 17.5 2001 10.7 13.3 13.7 2004 7.3 11.3 10.6 2007 10.1 11.7 11.9 2010 7.7 14.5 16.3 Three-year change (percentage points) 1992 -2.3 1995 -3.3 1998 -4.6 2001 -2.1 2004 -3.4 2007 2.8 2010 -2.4
2007
-5.7 -1.0 -4.6 -3.8 -3.1 1.3 4.4
Retired or other not working 15.5 12.9 7.8 6.2 7.1 6.1 7.7 9.8 -2.6 -5.1 -1.6 0.9 -1.0 1.6 2.1
Median value of other installment loans for families with holdings By current occupation of head
Thousands of 2010 dollars
6 5 4 3 2 1 1989
1992
1995
1998
2001
2004
2007
2010
Year Managerial or professional Other occupation
Technical, sales, or services Retired or other not working
Median value of other installment loans for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 4.6 2.3 1.9 1992 2.3 1.7 1.2 1995 2.7 2.1 1.6 1998 4.0 2.1 2.0 2001 3.7 2.4 2.3 2004 4.9 2.4 2.3 2007 3.7 3.1 2.5 2010 5.3 3.0 3.8 Year
Three-year change (percent) 1992 -50.0 1995 17.4 1998 48.1 2001 -7.5 2004 32.4 2007 -24.5 2010 43.2
-26.1 23.5 0.0 14.3 0.0 29.2 -3.2
-36.8 33.3 25.0 15.0 0.0 8.7 52.0
Retired or other not working 1.4 1.5 1.4 1.6 2.5 3.2 2.1 2.8 7.1 -6.7 14.3 56.2 28.0 -34.4 33.3
Mean value of other installment loans for families with holdings By current occupation of head
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of other installment loans for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 18.9 5.7 8.5 1992 10.0 4.8 4.3 1995 7.4 8.0 6.1 1998 23.3 14.0 11.9 2001 27.2 8.9 7.4 2004 24.6 13.5 9.3 2007 24.8 11.8 6.7 2010 25.4 12.7 13.0 Year
Three-year change (percent) 1992 -47.1 1995 -26.0 1998 214.9 2001 16.7 2004 -9.6 2007 0.8 2010 2.4
-15.8 66.7 75.0 -36.4 51.7 -12.6 7.6
-49.4 41.9 95.1 -37.8 25.7 -28.0 94.0
Retired or other not working 7.0 7.0 6.4 4.7 8.4 46.3 17.8 11.6 0.0 -8.6 -26.6 78.7 451.2 -61.6 -34.8
Percent of families with other installment loans By region
30
Percent
25 20 15 10 5 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
Three-year change (percentage points) 1992 -2.5 1995 -1.4 1998 -1.9 2001 -3.3 2004 -1.0 2007 1.6 2010 1.0
2010
South
Percent of families with other installment loans Region Northeast Midwest South 16.2 13.7 12.3 10.4 7.1 6.1 7.7 8.7
2007
West
16.3 17.5 16.5 11.9 9.9 9.6 12.1 10.9
27.3 21.3 18.4 12.9 12.5 8.1 10.3 13.7
25.9 22.4 15.0 13.2 13.0 10.1 9.8 10.5
1.2 -1.0 -4.6 -2.0 -0.3 2.5 -1.2
-6.0 -2.9 -5.5 -0.4 -4.4 2.2 3.4
-3.5 -7.4 -1.8 -0.2 -2.9 -0.3 0.7
Median value of other installment loans for families with holdings By region
Thousands of 2010 dollars
7 6 5 4 3 2 1 1989
1992
1995
1998
2001
2004
2007
2010
Year Northeast West
Midwest
South
Median value of other installment loans for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 2.7 1992 1.6 1995 2.9 1998 3.5 2001 4.9 2004 4.1 2007 3.7 2010 4.9 Three-year change (percent) 1992 -40.7 1995 81.2 1998 20.7 2001 40.0 2004 -16.3 2007 -9.8 2010 32.4
Midwest
South
West
3.4 1.7 2.1 2.7 2.5 3.0 2.1 2.5
1.6 1.5 1.4 1.8 2.2 1.8 3.0 2.9
2.8 1.9 2.3 2.3 2.5 3.6 2.7 6.5
-50.0 23.5 28.6 -7.4 20.0 -30.0 19.0
-6.2 -6.7 28.6 22.2 -18.2 66.7 -3.3
-32.1 21.1 0.0 8.7 44.0 -25.0 140.7
Mean value of other installment loans for families with holdings By region
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of other installment loans for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 16.0 1992 8.2 1995 9.1 1998 14.2 2001 12.4 2004 14.5 2007 18.9 2010 20.2 Three-year change (percent) 1992 -48.8 1995 11.0 1998 56.0 2001 -12.7 2004 16.9 2007 30.3 2010 6.9
Midwest
South
West
12.3 7.0 8.8 14.3 15.3 30.7 6.8 15.0
7.0 4.6 4.1 10.0 13.7 16.3 20.0 10.2
9.2 7.9 9.0 20.8 11.4 23.2 16.2 21.1
-43.1 25.7 62.5 7.0 100.7 -77.9 120.6
-34.3 -10.9 143.9 37.0 19.0 22.7 -49.0
-14.1 13.9 131.1 -45.2 103.5 -30.2 30.2
Percent of families with other installment loans By urbanicity
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with other installment loans Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 21.2 19.2 16.0 11.5 10.9 8.0 9.6 10.8
Three-year change (percentage points) 1992 -2.0 1995 -3.2 1998 -4.5 2001 -0.6 2004 -2.9 2007 1.6 2010 1.2
2010
25.4 18.4 16.2 16.5 11.5 11.0 12.6 14.7 -7.0 -2.2 0.3 -5.0 -0.5 1.6 2.1
Median value of other installment loans for families with holdings By urbanicity
Thousands of 2010 dollars
3.5 3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of other installment loans for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 2.4 1992 1.7 1995 2.1 1998 2.3 2001 2.4 2004 3.0 2007 3.0 2010 3.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-29.2 23.5 9.5 4.3 25.0 0.0 13.3
2010
Non-MSA
2.1 1.3 1.6 2.1 3.1 2.1 2.6 3.1 -38.1 23.1 31.2 47.6 -32.3 23.8 19.2
Mean value of other installment loans for families with holdings By urbanicity
Thousands of 2010 dollars
25
20
15
10
5 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of other installment loans for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 9.8 1992 6.4 1995 7.4 1998 14.4 2001 14.4 2004 24.1 2007 16.8 2010 15.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-34.7 15.6 94.6 0.0 67.4 -30.3 -6.5
2010
Non-MSA
10.0 6.7 4.3 13.1 6.5 12.5 10.3 11.9 -33.0 -35.8 204.7 -50.4 92.3 -17.6 15.5
Percent of families with other installment loans By housing status
25
Percent
20
15
10
5 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with other installment loans Housing status Owner Renter or other 22.1 17.1 15.1 11.5 10.3 7.2 8.5 9.7
Three-year change (percentage points) 1992 -5.0 1995 -2.0 1998 -3.6 2001 -1.2 2004 -3.1 2007 1.3 2010 1.2
21.8 22.5 17.7 13.7 12.4 11.6 13.8 15.1 0.7 -4.8 -4.0 -1.3 -0.8 2.2 1.3
2010
Median value of other installment loans for families with holdings By housing status
Thousands of 2010 dollars
4 3.5 3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of other installment loans for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 3.4 1992 2.6 1995 2.8 1998 3.3 2001 3.6 2004 3.0 2007 3.7 2010 3.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-23.5 7.7 17.9 9.1 -16.7 23.3 2.7
Renter or other 1.1 1.0 1.3 1.2 1.5 2.3 2.1 3.0 -9.1 30.0 -7.7 25.0 53.3 -8.7 42.9
2010
Mean value of other installment loans for families with holdings By housing status
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of other installment loans for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 13.6 1992 8.1 1995 9.2 1998 17.2 2001 18.0 2004 29.6 2007 20.6 2010 16.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-40.4 13.6 87.0 4.7 64.4 -30.4 -21.4
Renter or other 3.2 4.3 3.5 9.2 5.1 10.4 8.4 13.1 34.4 -18.6 162.9 -44.6 103.9 -19.2 56.0
2010
Percent of families with other installment loans By percentile of net worth
30 25
Percent
20 15 10 5 0 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with other installment loans Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 29.4 27.5 18.9 14.0 1992 25.8 24.8 17.1 9.9 1995 22.2 20.2 14.4 6.8 1998 16.2 13.8 12.2 6.7 2001 16.6 12.5 8.4 6.2 2004 13.5 9.7 7.6 4.0 2007 16.4 12.6 6.6 5.4 2010 18.6 13.7 9.7 5.1 Three-year change (percentage points) 1992 -3.6 -2.7 1995 -3.6 -4.6 1998 -6.0 -6.4 2001 0.4 -1.3 2004 -3.1 -2.8 2007 2.9 2.9 2010 2.2 1.1
-1.8 -2.7 -2.2 -3.8 -0.8 -1.0 3.1
2010
-4.1 -3.1 -0.1 -0.5 -2.2 1.4 -0.3
90-100 9.9 6.6 8.3 7.0 6.6 2.4 4.3 1.9 -3.3 1.7 -1.3 -0.4 -4.2 1.9 -2.4
Median value of other installment loans for families with holdings By percentile of net worth
Thousands of 2010 dollars
40
30
20
10
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of other installment loans for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.3 1.7 1992 1.5 1.5 1995 1.4 1.8 1998 1.4 2.1 2001 1.7 2.5 2004 2.9 1.8 2007 2.1 2.1 2010 3.8 2.4 Three-year change (percent) 1992 15.4 1995 -6.7 1998 0.0 2001 21.4 2004 70.6 2007 -27.6 2010 81.0
-11.8 20.0 16.7 19.0 -28.0 16.7 14.3
Percentile of net worth 50-74.9
75-89.9
90-100
3.4 1.5 2.5 2.1 2.7 3.0 5.2 3.7
5.0 4.7 2.3 9.1 3.7 7.6 4.3 4.2
16.9 9.8 4.2 34.2 7.4 22.7 9.6 14.7
-55.9 66.7 -16.0 28.6 11.1 73.3 -28.8
-6.0 -51.1 295.7 -59.3 105.4 -43.4 -2.3
-42.0 -57.1 714.3 -78.4 206.8 -57.7 53.1
Mean value of other installment loans for families with holdings
Thousands of 2010 dollars
By percentile of net worth
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of other installment loans for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 4.4 5.0 1992 6.0 4.6 1995 6.2 4.7 1998 5.8 7.8 2001 7.3 6.4 2004 17.0 4.1 2007 14.2 6.9 2010 17.1 7.2 Three-year change (percent) 1992 36.4 1995 3.3 1998 -6.5 2001 25.9 2004 132.9 2007 -16.5 2010 20.4
-8.0 2.2 66.0 -17.9 -35.9 68.3 4.3
Percentile of net worth 50-74.9
75-89.9
90-100
8.8 5.2 5.7 13.8 8.4 15.9 13.9 8.8
22.4 7.9 8.2 21.5 13.3 17.3 12.5 13.8
62.2 33.6 30.2 85.4 98.4 320.3 100.5 179.3
-40.9 9.6 142.1 -39.1 89.3 -12.6 -36.7
-64.7 3.8 162.2 -38.1 30.1 -27.7 10.4
-46.0 -10.1 182.8 15.2 225.5 -68.6 78.4
Percent of families with credit card balances For all families
48
Percent
46
44
42
40
38 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with credit card balances All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
39.7 43.7 47.3 44.1 44.4 46.2 46.1 39.4 4.0 3.6 -3.2 0.3 1.8 -0.1 -6.7
2007
2010
Median value of credit card balances for families with holdings For all families
Thousands of 2010 dollars
3.5
3
2.5
2
1.5 1989
1992
1995
1998 2001 Year
2004
2007
Median value of credit card balances for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 1.5 1.5 2.1 2.3 2.3 2.5 3.1 2.6 0.0 40.0 9.5 0.0 8.7 24.0 -16.1
2010
Mean value of credit card balances for families with holdings For all families
Thousands of 2010 dollars
8
7
6
5
4
3 1989
1992
1995
1998
2001
2004
2007
Year
Mean value of credit card balances for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 3.1 3.5 4.2 5.5 5.1 5.9 7.7 7.1 12.9 20.0 31.0 -7.3 15.7 30.5 -7.8
2010
Percent of families with credit card balances By percentile of income
60
Percent
50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 15.3 1992 23.4 1995 26.0 1998 24.5 2001 30.3 2004 28.8 2007 25.7 2010 23.2
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with credit card balances Percentile of income 20-39.9 40-59.9 60-79.9 80-89.9
27.6 41.9 43.2 40.9 44.5 42.9 39.5 33.4
Three-year change (percentage points) 1992 8.1 14.3 1995 2.6 1.3 1998 -1.5 -2.3 2001 5.8 3.6 2004 -1.5 -1.6 2007 -3.1 -3.4 2010 -2.5 -6.1
2010
90-100
48.9 51.9 52.9 50.1 52.8 55.1 54.8 45.0
57.3 55.6 60.0 57.4 52.6 56.1 62.1 53.1
58.3 53.6 61.0 53.1 50.3 57.6 55.8 51.0
40.5 37.9 47.3 42.1 33.1 38.5 40.6 33.6
3.0 1.0 -2.8 2.7 2.3 -0.3 -9.8
-1.7 4.4 -2.6 -4.8 3.5 6.0 -9.0
-4.7 7.4 -7.9 -2.8 7.3 -1.8 -4.8
-2.6 9.4 -5.2 -9.0 5.4 2.1 -7.0
Median value of credit card balances for families with holdings By percentile of income
Thousands of 2010 dollars
8
6
4
2
0 1989
1992
1995
1998
2001
2004
2007
2010
Year Less than 20 60−79.9
20−39.9 80−89.9
40−59.9 90−100
Median value of credit card balances for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 0.5 1.0 1992 0.8 1.2 1995 1.0 1.7 1998 1.3 1.6 2001 1.2 1.5 2004 1.2 2.1 2007 1.0 1.9 2010 1.0 1.5 Three-year change (percent) 1992 60.0 20.0 1995 25.0 41.7 1998 30.0 -5.9 2001 -7.7 -6.2 2004 0.0 40.0 2007 -16.7 -9.5 2010 0.0 -21.1
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
1.3 1.4 2.1 2.5 2.5 2.5 2.5 2.2
1.7 2.2 2.2 2.9 2.8 3.5 4.2 3.0
2.4 2.3 2.8 2.7 4.6 3.1 5.8 5.9
3.6 3.4 4.0 4.0 3.4 4.6 7.9 8.0
7.7 50.0 19.0 0.0 0.0 0.0 -12.0
29.4 0.0 31.8 -3.4 25.0 20.0 -28.6
-4.2 21.7 -3.6 70.4 -32.6 87.1 1.7
-5.6 17.6 0.0 -15.0 35.3 71.7 1.3
Mean value of credit card balances for families with holdings By percentile of income
Thousands of 2010 dollars
15
10
5
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of credit card balances for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 0.9 1.9 1992 1.9 2.4 1995 2.9 3.0 1998 2.7 3.9 2001 2.5 3.4 2004 3.1 4.4 2007 3.6 4.6 2010 3.7 4.4 Three-year change (percent) 1992 111.1 26.3 1995 52.6 25.0 1998 -6.9 30.0 2001 -7.4 -12.8 2004 24.0 29.4 2007 16.1 4.5 2010 2.8 -4.3
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
2.7 2.9 4.1 5.7 4.5 5.9 5.9 5.8
3.2 4.1 3.9 6.1 5.8 6.4 9.0 6.8
3.6 4.3 5.1 5.9 8.8 7.5 12.0 11.6
6.5 6.6 8.0 9.0 8.0 9.8 13.7 14.6
7.4 41.4 39.0 -21.1 31.1 0.0 -1.7
28.1 -4.9 56.4 -4.9 10.3 40.6 -24.4
19.4 18.6 15.7 49.2 -14.8 60.0 -3.3
1.5 21.2 12.5 -11.1 22.5 39.8 6.6
Percent of families with credit card balances By age of head
60
Percent
50 40 30 20 10 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 44.5 1992 51.8 1995 54.7 1998 50.7 2001 49.6 2004 47.5 2007 48.5 2010 38.7
35−44 65−74
2004
2007 45−54 75 or older
Percent of families with credit card balances Age of head 35-44 45-54 55-64 65-74
50.5 50.9 55.9 51.3 54.1 58.8 51.7 45.7
Three-year change (percentage points) 1992 7.3 0.4 1995 2.9 5.0 1998 -4.0 -4.6 2001 -1.1 2.8 2004 -2.1 4.7 2007 1.0 -7.1 2010 -9.8 -6.0
2010
75 or older
49.3 48.9 56.4 52.5 50.4 54.0 53.6 46.2
32.9 37.2 43.2 45.7 41.6 42.1 49.9 41.3
27.2 32.1 30.5 29.2 30.0 31.9 37.0 31.9
10.1 20.1 17.5 11.2 18.4 23.5 18.8 21.7
-0.4 7.5 -3.9 -2.1 3.6 -0.4 -7.4
4.3 6.0 2.5 -4.1 0.5 7.8 -8.6
4.9 -1.6 -1.3 0.8 1.9 5.1 -5.1
10.0 -2.6 -6.3 7.2 5.1 -4.7 2.9
Median value of credit card balances for families with holdings By age of head
Thousands of 2010 dollars
4
3
2
1
0 1989
1992
1995
1998
2001
2004
2007
2010
Year Less than 35 55−64
35−44 65−74
45−54 75 or older
Median value of credit card balances for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 1.7 1.9 1992 1.4 1.8 1995 1.8 2.7 1998 2.0 2.7 2001 2.5 2.5 2004 1.7 2.9 2007 1.9 3.7 2010 1.6 3.5 Three-year change (percent) 1992 -17.6 -5.3 1995 28.6 50.0 1998 11.1 0.0 2001 25.0 -7.4 2004 -32.0 16.0 2007 11.8 27.6 2010 -15.8 -5.4
Age of head 45-54 55-64
65-74
75 or older
1.7 2.3 2.8 2.4 2.8 3.3 3.8 3.5
1.7 1.5 1.8 2.7 2.3 2.5 3.8 2.8
0.9 1.2 1.1 1.5 1.2 2.5 3.1 2.2
0.3 0.8 0.5 0.9 0.9 1.2 0.8 1.8
35.3 21.7 -14.3 16.7 17.9 15.2 -7.9
-11.8 20.0 50.0 -14.8 8.7 52.0 -26.3
33.3 -8.3 36.4 -20.0 108.3 24.0 -29.0
166.7 -37.5 80.0 0.0 33.3 -33.3 125.0
Mean value of credit card balances for families with holdings By age of head
Thousands of 2010 dollars
10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of credit card balances for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 3.1 3.4 1992 2.9 4.1 1995 4.0 4.6 1998 4.3 6.2 2001 4.9 5.3 2004 4.3 6.0 2007 5.4 7.9 2010 4.3 8.6 Three-year change (percent) 1992 -6.5 20.6 1995 37.9 12.2 1998 7.5 34.8 2001 14.0 -14.5 2004 -12.2 13.2 2007 25.6 31.7 2010 -20.4 8.9
Age of head 45-54 55-64
65-74
75 or older
3.6 4.5 5.2 5.6 5.2 7.2 8.7 8.9
3.0 3.3 4.1 6.7 5.0 6.5 9.2 7.4
2.1 2.3 2.6 5.2 6.3 6.2 8.9 6.0
1.0 2.9 1.5 3.4 2.3 4.9 4.1 4.6
25.0 15.6 7.7 -7.1 38.5 20.8 2.3
10.0 24.2 63.4 -25.4 30.0 41.5 -19.6
9.5 13.0 100.0 21.2 -1.6 43.5 -32.6
190.0 -48.3 126.7 -32.4 113.0 -16.3 12.2
Percent of families with credit card balances By family structure
60
Percent
50 40 30 20 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with credit card balances Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 35.6 34.9 19.9 53.8 1992 43.3 41.0 25.2 56.0 1995 43.9 48.4 25.1 60.9 1998 38.0 46.9 21.1 55.8 2001 48.1 47.8 27.1 52.4 2004 48.6 47.6 27.8 56.7 2007 45.3 42.9 30.2 54.7 2010 35.3 37.2 26.9 47.4 Three-year change (percentage points) 1992 7.7 6.1 1995 0.6 7.4 1998 -5.9 -1.5 2001 10.1 0.9 2004 0.5 -0.2 2007 -3.3 -4.7 2010 -10.0 -5.7
2010
5.3 -0.1 -4.0 6.0 0.7 2.4 -3.3
2.2 4.9 -5.1 -3.4 4.3 -2.0 -7.3
Couple, no child
35.5 40.8 43.3 42.4 40.5 41.8 46.7 40.1 5.3 2.5 -0.9 -1.9 1.3 4.9 -6.6
Median value of credit card balances for families with holdings
Thousands of 2010 dollars
By family structure
4 3.5 3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of credit card balances for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 1.3 1.5 1992 1.5 1.4 1995 2.1 1.8 1998 2.0 2.0 2001 2.1 2.0 2004 2.3 2.2 2007 1.6 2.0 2010 2.0 1.6 Three-year change (percent) 1992 15.4 1995 40.0 1998 -4.8 2001 5.0 2004 9.5 2007 -30.4 2010 25.0
-6.7 28.6 11.1 0.0 10.0 -9.1 -20.0
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
0.8 0.9 1.1 1.9 1.2 2.1 2.4 1.7
2.1 2.0 2.5 2.7 3.1 2.9 4.2 3.4
1.3 1.4 1.8 2.4 2.1 2.5 3.5 3.0
12.5 22.2 72.7 -36.8 75.0 14.3 -29.2
-4.8 25.0 8.0 14.8 -6.5 44.8 -19.0
7.7 28.6 33.3 -12.5 19.0 40.0 -14.3
Mean value of credit card balances for families with holdings By family structure
Thousands of 2010 dollars
10 8 6 4 2 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of credit card balances for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 2.3 3.8 1992 3.1 3.1 1995 3.4 3.7 1998 4.4 4.4 2001 3.8 4.8 2004 4.9 5.0 2007 4.7 5.6 2010 5.7 4.8 Three-year change (percent) 1992 34.8 1995 9.7 1998 29.4 2001 -13.6 2004 28.9 2007 -4.1 2010 21.3
-18.4 19.4 18.9 9.1 4.2 12.0 -14.3
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
1.8 2.1 2.7 4.0 4.4 4.1 5.9 5.0
3.3 4.0 5.1 6.1 6.0 6.5 9.1 8.4
3.1 3.6 3.9 6.2 4.9 6.8 8.6 7.8
16.7 28.6 48.1 10.0 -6.8 43.9 -15.3
21.2 27.5 19.6 -1.6 8.3 40.0 -7.7
16.1 8.3 59.0 -21.0 38.8 26.5 -9.3
Percent of families with credit card balances By education of head
55 50
Percent
45 40 35 30 25 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
5.9 3.1 -6.8 3.4 1.8 -1.4 -9.9
2010
High school diploma College degree
Percent of families with credit card balances Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 23.7 40.8 50.8 1992 27.4 46.7 49.4 1995 32.4 49.8 54.9 1998 28.5 43.0 53.2 2001 30.0 46.4 55.2 2004 29.5 48.2 54.4 2007 26.9 46.8 51.0 2010 27.7 36.9 45.8 Three-year change (percentage points) 1992 3.7 1995 5.0 1998 -3.9 2001 1.5 2004 -0.5 2007 -2.6 2010 0.8
2007
-1.4 5.5 -1.7 2.0 -0.8 -3.4 -5.2
College degree
46.1 48.0 48.9 47.9 43.4 47.0 50.2 42.1 1.9 0.9 -1.0 -4.5 3.6 3.2 -8.1
Median value of credit card balances for families with holdings By education of head
Thousands of 2010 dollars
4 3.5 3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of credit card balances for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 1.0 1992 1.1 1995 1.4 1998 1.5 2001 1.2 2004 1.4 2007 1.6 2010 1.4 Three-year change (percent) 1992 10.0 1995 27.3 1998 7.1 2001 -20.0 2004 16.7 2007 14.3 2010 -12.5
Education of head High school Some college diploma
College degree
1.5 1.5 1.7 1.9 2.1 2.2 2.4 2.1
1.3 1.4 2.1 2.7 2.5 2.5 3.0 2.1
2.1 2.1 2.8 2.7 3.1 3.1 4.2 4.0
0.0 13.3 11.8 10.5 4.8 9.1 -12.5
7.7 50.0 28.6 -7.4 0.0 20.0 -30.0
0.0 33.3 -3.6 14.8 0.0 35.5 -4.8
Mean value of credit card balances for families with holdings By education of head
Thousands of 2010 dollars
10
8
6
4
2 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of credit card balances for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 2.4 1992 2.2 1995 3.4 1998 3.6 2001 2.4 2004 4.2 2007 4.6 2010 3.6 Three-year change (percent) 1992 -8.3 1995 54.5 1998 5.9 2001 -33.3 2004 75.0 2007 9.5 2010 -21.7
Education of head High school Some college diploma
College degree
2.6 3.0 3.3 4.5 4.5 5.1 6.2 5.9
3.0 3.4 4.6 5.7 5.2 6.1 6.1 5.4
4.0 4.6 5.2 6.8 6.5 6.9 10.4 9.6
15.4 10.0 36.4 0.0 13.3 21.6 -4.8
13.3 35.3 23.9 -8.8 17.3 0.0 -11.5
15.0 13.0 30.8 -4.4 6.2 50.7 -7.7
Percent of families with credit card balances By race or ethnicity of respondent
50
Percent
45
40
35 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with credit card balances Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 41.5 44.2 47.1 44.3 43.3 46.0 45.1 39.3
Three-year change (percentage points) 1992 2.7 1995 2.9 1998 -2.8 2001 -1.0 2004 2.7 2007 -0.9 2010 -5.8
34.4 42.1 48.0 43.5 47.6 46.7 48.4 39.7 7.7 5.9 -4.5 4.1 -0.9 1.7 -8.7
Median value of credit card balances for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
3.5 3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Median value of credit card balances for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 1.6 1.4 1992 1.6 1.3 1995 2.1 1.7 1998 2.7 1.5 2001 2.5 1.9 2004 2.9 1.8 2007 3.5 2.1 2010 3.1 1.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
0.0 31.2 28.6 -7.4 16.0 20.7 -11.4
-7.1 30.8 -11.8 26.7 -5.3 16.7 -9.5
Mean value of credit card balances for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
9 8 7 6 5 4 3 1989
1992
1995
1998
2001
2004
2007
2010
Year White, non−Hispanic
Nonwhite or Hispanic
Mean value of credit card balances for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 3.0 3.5 1992 3.7 2.9 1995 4.5 3.2 1998 6.0 3.8 2001 5.4 4.2 2004 6.4 4.6 2007 8.4 6.0 2010 7.9 5.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
23.3 21.6 33.3 -10.0 18.5 31.2 -6.0
-17.1 10.3 18.8 10.5 9.5 30.4 -8.3
Percent of families with credit card balances By current work status of head
60
Percent
50
40
30
20 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Three-year change (percentage points) 1992 0.5 1995 4.1 1998 -4.5 2001 -0.3 2004 1.7 2007 -1.2 2010 -7.9
2010
Self−employed Other not working
Percent of families with credit card balances Current work status of head Employee Self-employed Retired
53.4 53.9 58.0 53.5 53.2 54.9 53.7 45.8
2007
Other not working
29.4 47.5 45.3 47.5 42.8 44.3 48.9 40.4
18.3 25.3 25.9 21.0 24.0 25.9 28.2 25.4
20.6 29.2 36.8 38.7 32.6 41.0 36.9 35.5
18.1 -2.2 2.2 -4.7 1.5 4.6 -8.5
7.0 0.6 -4.9 3.0 1.9 2.3 -2.8
8.6 7.6 1.9 -6.1 8.4 -4.1 -1.4
Median value of credit card balances for families with holdings By current work status of head
Thousands of 2010 dollars
5
4
3
2
1 1989
1992
1995
1998
2001
2004
2007
2010
Year Employee Retired
Self−employed Other not working
Median value of credit card balances for families with holdings Year
Employee
Level (thousands of 2010 dollars) 1989 1.7 1992 1.6 1995 2.3 1998 2.6 2001 2.5 2004 2.6 2007 3.1 2010 3.0 Three-year change (percent) 1992 -5.9 1995 43.8 1998 13.0 2001 -3.8 2004 4.0 2007 19.2 2010 -3.2
Current work status of head Self-employed Retired
Other not working
1.7 2.7 3.5 2.7 3.1 3.1 4.5 4.0
0.9 1.1 1.2 1.3 1.0 1.6 1.6 2.0
0.9 1.1 1.1 1.6 2.5 2.9 1.9 1.5
58.8 29.6 -22.9 14.8 0.0 45.2 -11.1
22.2 9.1 8.3 -23.1 60.0 0.0 25.0
22.2 0.0 45.5 56.2 16.0 -34.5 -21.1
Mean value of credit card balances for families with holdings By current work status of head
Thousands of 2010 dollars
12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of credit card balances for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 3.2 1992 3.5 1995 4.2 1998 5.5 2001 5.1 2004 5.8 2007 7.6 2010 7.0
4.1 5.1 7.0 7.0 6.9 8.2 11.6 10.7
1.6 2.4 2.7 4.5 2.7 4.7 5.7 5.2
3.3 2.5 3.1 4.4 6.9 6.2 6.6 6.0
Three-year change (percent) 1992 9.4 1995 20.0 1998 31.0 2001 -7.3 2004 13.7 2007 31.0 2010 -7.9
24.4 37.3 0.0 -1.4 18.8 41.5 -7.8
50.0 12.5 66.7 -40.0 74.1 21.3 -8.8
-24.2 24.0 41.9 56.8 -10.1 6.5 -9.1
Percent of families with credit card balances By current occupation of head
60
Percent
50
40
30
20 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
4.3 2.2 -4.1 3.5 -1.5 -1.0 -8.6
2010
Technical, sales, or services Retired or other not working
Percent of families with credit card balances Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 53.6 49.8 45.4 1992 51.3 54.1 53.0 1995 51.8 56.3 59.3 1998 53.3 52.2 52.0 2001 47.3 55.7 52.3 2004 50.8 54.2 55.2 2007 52.7 53.2 53.2 2010 44.6 44.6 45.7 Three-year change (percentage points) 1992 -2.3 1995 0.5 1998 1.5 2001 -6.0 2004 3.5 2007 1.9 2010 -8.1
2007
7.6 6.3 -7.3 0.3 2.9 -2.0 -7.5
Retired or other not working 18.8 26.2 28.1 24.0 25.4 28.2 29.6 27.6 7.4 1.9 -4.1 1.4 2.8 1.4 -2.0
Median value of credit card balances for families with holdings By current occupation of head
Thousands of 2010 dollars
5
4
3
2
1 1989
1992
1995
1998
2001
2004
2007
2010
Year Managerial or professional Other occupation
Technical, sales, or services Retired or other not working
Median value of credit card balances for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 2.5 1.5 1.3 1992 2.3 1.5 1.5 1995 3.1 2.3 2.0 1998 2.8 2.7 2.0 2001 3.1 2.5 2.0 2004 3.5 2.3 2.6 2007 4.7 3.1 2.6 2010 4.0 2.3 2.6 Year
Three-year change (percent) 1992 -8.0 1995 34.8 1998 -9.7 2001 10.7 2004 12.9 2007 34.3 2010 -14.9
0.0 53.3 17.4 -7.4 -8.0 34.8 -25.8
15.4 33.3 0.0 0.0 30.0 0.0 0.0
Retired or other not working 0.9 1.1 1.1 1.4 1.2 1.7 1.6 1.8 22.2 0.0 27.3 -14.3 41.7 -5.9 12.5
Mean value of credit card balances for families with holdings By current occupation of head
Thousands of 2010 dollars
10
8
6
4
2 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of credit card balances for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 4.0 3.4 2.5 1992 4.5 3.5 3.4 1995 5.7 4.2 4.1 1998 6.6 5.3 5.2 2001 5.8 6.0 4.1 2004 7.4 5.5 5.1 2007 10.4 6.1 7.2 2010 9.9 6.3 5.6 Year
Three-year change (percent) 1992 12.5 1995 26.7 1998 15.8 2001 -12.1 2004 27.6 2007 40.5 2010 -4.8
2.9 20.0 26.2 13.2 -8.3 10.9 3.3
36.0 20.6 26.8 -21.2 24.4 41.2 -22.2
Retired or other not working 2.0 2.4 2.8 4.5 3.6 5.1 5.9 5.4 20.0 16.7 60.7 -20.0 41.7 15.7 -8.5
Percent of families with credit card balances By region
55
Percent
50
45
40
35 1989
1992
1995
1998 2001 Year
Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Midwest
Three-year change (percentage points) 1992 3.6 1995 2.2 1998 -5.2 2001 1.0 2004 6.9 2007 -2.3 2010 -4.4
2010
South
Percent of families with credit card balances Region Northeast Midwest South 38.1 41.7 43.9 38.7 39.7 46.6 44.3 39.9
2007
West
37.5 42.1 46.4 40.2 43.9 44.7 45.5 37.4
38.5 45.2 48.0 46.1 44.7 46.0 43.5 38.2
46.0 45.0 50.2 49.9 48.4 47.5 52.4 43.0
4.6 4.3 -6.2 3.7 0.8 0.8 -8.1
6.7 2.8 -1.9 -1.4 1.3 -2.5 -5.3
-1.0 5.2 -0.3 -1.5 -0.9 4.9 -9.4
Median value of credit card balances for families with holdings By region
Thousands of 2010 dollars
3.5 3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of credit card balances for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 1.5 1992 1.7 1995 2.4 1998 2.4 2001 2.1 2004 2.9 2007 3.1 2010 2.3 Three-year change (percent) 1992 13.3 1995 41.2 1998 0.0 2001 -12.5 2004 38.1 2007 6.9 2010 -25.8
Midwest
South
West
1.2 1.4 2.3 2.0 2.5 2.3 3.1 2.5
1.5 1.5 1.8 2.0 2.3 2.3 2.9 2.8
1.9 1.5 2.1 2.7 2.2 2.9 3.2 3.0
16.7 64.3 -13.0 25.0 -8.0 34.8 -19.4
0.0 20.0 11.1 15.0 0.0 26.1 -3.4
-21.1 40.0 28.6 -18.5 31.8 10.3 -6.2
Mean value of credit card balances for families with holdings By region
Thousands of 2010 dollars
8 7 6 5 4 3 1989
1992
1995
1998
2001
2004
2007
2010
Year Northeast West
Midwest
South
Mean value of credit card balances for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 3.3 1992 3.7 1995 5.4 1998 5.4 2001 4.4 2004 6.2 2007 8.3 2010 7.6 Three-year change (percent) 1992 12.1 1995 45.9 1998 0.0 2001 -18.5 2004 40.9 2007 33.9 2010 -8.4
Midwest
South
West
2.7 3.3 3.9 5.3 4.6 5.7 7.6 6.1
2.8 3.4 3.5 5.4 5.2 5.2 7.4 6.8
3.9 3.8 4.7 5.9 5.9 7.0 7.7 8.0
22.2 18.2 35.9 -13.2 23.9 33.3 -19.7
21.4 2.9 54.3 -3.7 0.0 42.3 -8.1
-2.6 23.7 25.5 0.0 18.6 10.0 3.9
Percent of families with credit card balances By urbanicity
50
Percent
45
40
35
30 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with credit card balances Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 41.6 44.0 48.5 44.7 44.8 46.9 46.3 40.3
Three-year change (percentage points) 1992 2.4 1995 4.5 1998 -3.8 2001 0.1 2004 2.1 2007 -0.6 2010 -6.0
2010
31.4 42.5 39.9 40.4 41.9 42.8 44.8 35.0 11.1 -2.6 0.5 1.5 0.9 2.0 -9.8
Median value of credit card balances for families with holdings By urbanicity
Thousands of 2010 dollars
3.5 3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of credit card balances for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 1.7 1992 1.7 1995 2.1 1998 2.4 2001 2.5 2004 2.5 2007 3.1 2010 2.8 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
0.0 23.5 14.3 4.2 0.0 24.0 -9.7
2010
Non-MSA
1.0 1.2 1.6 2.0 1.8 2.3 2.1 2.1 20.0 33.3 25.0 -10.0 27.8 -8.7 0.0
Mean value of credit card balances for families with holdings By urbanicity
Thousands of 2010 dollars
8 7 6 5 4 3 2 1989
1992
1995
1998
2001
2004
2007
2010
Year Metropolitan Statistical Area (MSA)
Non−MSA
Mean value of credit card balances for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 3.3 1992 3.6 1995 4.4 1998 5.7 2001 5.3 2004 6.1 2007 8.0 2010 7.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
9.1 22.2 29.5 -7.0 15.1 31.1 -8.8
Non-MSA
2.1 2.9 3.0 4.5 3.3 4.9 6.1 5.7 38.1 3.4 50.0 -26.7 48.5 24.5 -6.6
Percent of families with credit card balances By housing status
50
Percent
45
40
35
30 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with credit card balances Housing status Owner Renter or other 43.9 46.6 51.1 46.2 44.4 48.8 50.1 43.1
Three-year change (percentage points) 1992 2.7 1995 4.5 1998 -4.9 2001 -1.8 2004 4.4 2007 1.3 2010 -7.0
32.2 38.6 40.3 40.0 44.3 40.4 37.3 31.8 6.4 1.7 -0.3 4.3 -3.9 -3.1 -5.5
2010
Median value of credit card balances for families with holdings By housing status
Thousands of 2010 dollars
4 3.5 3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of credit card balances for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 1.7 1992 1.7 1995 2.1 1998 2.7 2001 2.6 2004 2.9 2007 3.8 2010 3.4 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
0.0 23.5 28.6 -3.7 11.5 31.0 -10.5
Renter or other 1.3 1.4 1.7 1.7 1.5 1.7 1.4 1.3 7.7 21.4 0.0 -11.8 13.3 -17.6 -7.1
2010
Mean value of credit card balances for families with holdings By housing status
Thousands of 2010 dollars
9 8 7 6 5 4 3 1989
1992
1995
1998
2001
2004
2007
Year Owner
Renter or other
Mean value of credit card balances for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 3.3 1992 3.7 1995 4.4 1998 5.9 2001 5.5 2004 6.4 2007 8.8 2010 8.3 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
12.1 18.9 34.1 -6.8 16.4 37.5 -5.7
Renter or other 2.6 3.1 3.9 4.6 4.2 4.7 4.5 3.7 19.2 25.8 17.9 -8.7 11.9 -4.3 -17.8
2010
Percent of families with credit card balances By percentile of net worth
60
Percent
50
40
30
20 1989
1992
1995 Less than 25 75−89.9
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with credit card balances Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 27.6 48.2 49.3 43.4 1992 38.7 52.6 49.6 39.3 1995 41.5 55.4 57.3 39.5 1998 39.5 54.8 48.7 36.7 2001 45.4 54.9 44.9 39.0 2004 40.3 58.0 52.9 40.3 2007 41.0 52.9 51.7 44.0 2010 36.9 44.5 46.2 36.1 Three-year change (percentage points) 1992 11.1 4.4 1995 2.8 2.8 1998 -2.0 -0.6 2001 5.9 0.1 2004 -5.1 3.1 2007 0.7 -5.1 2010 -4.1 -8.4
0.3 7.7 -8.6 -3.8 8.0 -1.2 -5.5
2010
-4.1 0.2 -2.8 2.3 1.3 3.7 -7.9
90-100 19.1 25.9 27.9 28.4 22.1 23.5 30.7 20.9 6.8 2.0 0.5 -6.3 1.4 7.2 -9.8
Median value of credit card balances for families with holdings By percentile of net worth
Thousands of 2010 dollars
5
4
3
2
1 1989
1992
1995
1998
2001
2004
2007
2010
Year Less than 25 75−89.9
25−49.9 90−100
50−74.9
Median value of credit card balances for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.7 1.2 1992 1.4 1.7 1995 2.2 2.0 1998 2.1 2.4 2001 2.0 2.3 2004 2.0 2.3 2007 1.6 2.9 2010 1.9 2.0 Three-year change (percent) 1992 -17.6 1995 57.1 1998 -4.5 2001 -4.8 2004 0.0 2007 -20.0 2010 18.8
41.7 17.6 20.0 -4.2 0.0 26.1 -31.0
Percentile of net worth 50-74.9
75-89.9
90-100
1.6 1.5 2.1 2.4 2.5 2.9 3.8 3.0
1.7 1.6 2.0 2.0 2.5 3.5 4.2 3.4
2.5 2.4 2.0 2.5 2.5 3.5 5.2 5.0
-6.2 40.0 14.3 4.2 16.0 31.0 -21.1
-5.9 25.0 0.0 25.0 40.0 20.0 -19.0
-4.0 -16.7 25.0 0.0 40.0 48.6 -3.8
Mean value of credit card balances for families with holdings By percentile of net worth
Thousands of 2010 dollars
14 12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of credit card balances for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 3.1 2.6 1992 3.2 3.2 1995 4.5 3.4 1998 5.5 5.3 2001 4.8 4.2 2004 4.8 5.2 2007 6.0 6.9 2010 6.5 5.5 Three-year change (percent) 1992 3.2 1995 40.6 1998 22.2 2001 -12.7 2004 0.0 2007 25.0 2010 8.3
23.1 6.2 55.9 -20.8 23.8 32.7 -20.3
Percentile of net worth 50-74.9
75-89.9
90-100
2.9 3.7 4.5 4.9 5.5 6.7 8.1 6.9
3.9 3.5 4.8 5.9 5.5 6.7 8.6 8.8
5.0 5.3 5.1 8.3 8.8 8.7 13.0 14.8
27.6 21.6 8.9 12.2 21.8 20.9 -14.8
-10.3 37.1 22.9 -6.8 21.8 28.4 2.3
6.0 -3.8 62.7 6.0 -1.1 49.4 13.8
Percent of families with other lines of credit For all families
3.5
Percent
3
2.5
2
1.5 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with other lines of credit All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
3.2 2.3 1.9 2.3 1.5 1.6 1.7 2.1 -0.9 -0.4 0.4 -0.8 0.1 0.1 0.4
2007
2010
Median value of other lines of credit for families with holdings For all families
Thousands of 2010 dollars
6 5.5 5 4.5 4 3.5 3 1989
1992
1995
1998 2001 Year
2004
2007
Median value of other lines of credit for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 3.4 3.0 5.0 3.3 4.8 3.5 4.0 6.0 -11.8 66.7 -34.0 45.5 -27.1 14.3 50.0
2010
Mean value of other lines of credit for families with holdings For all families
Thousands of 2010 dollars
50
40
30
20
10 1989
1992
1995
1998 2001 Year
2004
2007
Mean value of other lines of credit for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 19.6 15.7 15.4 9.1 22.1 42.1 26.0 49.1 -19.9 -1.9 -40.9 142.9 90.5 -38.2 88.8
2010
Percent of families with other lines of credit By percentile of income
10
Percent
8 6 4 2 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 0.9 1992 0.6 1995 0.0 1998 0.8 2001 1.3 2004 0.2 2007 1.1 2010 1.2
20−39.9 80−89.9
2004
2007 40−59.9 90−100
Percent of families with other lines of credit Percentile of income 20-39.9 40-59.9 60-79.9 80-89.9
1.9 1.5 1.1 1.7 1.5 1.5 1.8 2.2
Three-year change (percentage points) 1992 -0.3 -0.4 1995 -0.6 -0.4 1998 0.8 0.6 2001 0.5 -0.2 2004 -1.1 0.0 2007 0.9 0.3 2010 0.1 0.4
2010
90-100
1.6 2.2 2.2 2.7 1.5 1.8 1.5 2.1
4.3 2.9 2.4 2.9 1.5 1.8 2.1 1.9
8.5 5.0 3.8 4.5 2.6 2.6 2.4 2.0
5.8 4.3 3.9 2.5 1.4 2.5 2.1 3.7
0.6 0.0 0.5 -1.2 0.3 -0.3 0.6
-1.4 -0.5 0.5 -1.4 0.3 0.3 -0.2
-3.5 -1.2 0.7 -1.9 0.0 -0.2 -0.4
-1.5 -0.4 -1.4 -1.1 1.1 -0.4 1.6
Median value of other lines of credit for families with holdings By percentile of income
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of other lines of credit for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 2.0 1.5 1992 1.2 4.5 1995 1.4 2.0 1998 0.9 1.5 2001 0.7 1.3 2004 0.5 0.3 2007 0.4 1.4 2010 1.0 2.7 Three-year change (percent) 1992 -40.0 200.0 1995 16.7 -55.6 1998 -35.7 -25.0 2001 -22.2 -13.3 2004 -28.6 -76.9 2007 -20.0 366.7 2010 150.0 92.9
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
0.8 4.0 4.2 2.0 0.9 1.2 3.7 5.0
3.4 2.3 3.3 3.7 4.9 8.1 5.4 3.2
3.0 2.7 5.4 4.0 9.6 16.1 9.4 14.5
7.9 6.1 7.1 8.5 12.3 46.0 18.2 20.0
400.0 5.0 -52.4 -55.0 33.3 208.3 35.1
-32.4 43.5 12.1 32.4 65.3 -33.3 -40.7
-10.0 100.0 -25.9 140.0 67.7 -41.6 54.3
-22.8 16.4 19.7 44.7 274.0 -60.4 9.9
Mean value of other lines of credit for families with holdings By percentile of income
Thousands of 2010 dollars
200
150
100
50
0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Mean value of other lines of credit for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 2.3 3.1 1992 1.3 16.1 1995 1.4 2.8 1998 1.5 3.8 2001 7.6 8.2 2004 30.7 7.6 2007 21.6 5.7 2010 119.0 21.1 Three-year change (percent) 1992 -43.5 419.4 1995 7.7 -82.6 1998 7.1 35.7 2001 406.7 115.8 2004 303.9 -7.3 2007 -29.6 -25.0 2010 450.9 270.2
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
2.8 5.9 11.5 5.7 3.7 3.5 16.8 13.1
5.1 5.2 6.0 5.8 21.9 18.3 20.8 15.3
17.3 5.5 11.3 6.2 14.7 38.9 14.0 56.4
69.9 55.1 42.5 41.1 136.1 176.4 102.5 107.1
110.7 94.9 -50.4 -35.1 -5.4 380.0 -22.0
2.0 15.4 -3.3 277.6 -16.4 13.7 -26.4
-68.2 105.5 -45.1 137.1 164.6 -64.0 302.9
-21.2 -22.9 -3.3 231.1 29.6 -41.9 4.5
Percent of families with other lines of credit By age of head
5
Percent
4 3 2 1 0 1989
1992
1995
1998
2001
2004
2007
2010
Year Less than 35 55−64
Year
Less than 35 Level (percent) 1989 4.4 1992 2.8 1995 2.7 1998 2.4 2001 1.7 2004 2.2 2007 2.1 2010 1.8
35−44 65−74
45−54 75 or older
Percent of families with other lines of credit Age of head 35-44 45-54 55-64 65-74
4.7 3.3 2.1 3.6 1.7 1.5 2.2 2.2
Three-year change (percentage points) 1992 -1.6 -1.4 1995 -0.1 -1.2 1998 -0.3 1.5 2001 -0.7 -1.9 2004 0.5 -0.2 2007 -0.1 0.7 2010 -0.3 0.0
75 or older
4.0 2.6 2.2 3.6 1.5 2.9 1.9 2.7
1.5 1.6 1.7 1.6 3.1 0.7 1.2 3.0
0.7 1.0 1.3 0.3 0.2 0.4 1.5 1.2
0.1 1.1 0.0 0.0 0.4 0.1 0.8 0.5
-1.4 -0.4 1.4 -2.1 1.4 -1.0 0.8
0.1 0.1 -0.1 1.5 -2.4 0.5 1.8
0.3 0.3 -1.0 -0.1 0.2 1.1 -0.3
1.0 -1.1 0.0 0.4 -0.3 0.7 -0.3
Median value of other lines of credit for families with holdings By age of head
Thousands of 2010 dollars
8000
6000
4000
2000
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of other lines of credit for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 2.4 5.1 1992 1.8 2.7 1995 2.0 2.8 1998 1.3 1.9 2001 0.6 0.9 2004 1.2 2.2 2007 1.0 4.8 2010 2.0 2.5 Three-year change (percent) 1992 -25.0 -47.1 1995 11.1 3.7 1998 -35.0 -32.1 2001 -53.8 -52.6 2004 100.0 144.4 2007 -16.7 118.2 2010 100.0 -47.9
Age of head 45-54 55-64
65-74
75 or older
2.2 7.6 8.5 4.0 6.5 8.1 6.3 6.0
3.4 6.1 4.8 6.5 25.1 16.1 10.5 11.0
3.4 6.1 5.4 33.3 306.3 4.6 31.4 8.1
1.9 1.5 708.2 7336.4 4.8 51.7 0.5 150.0
245.5 11.8 -52.9 62.5 24.6 -22.2 -4.8
79.4 -21.3 35.4 286.2 -35.9 -34.8 4.8
79.4 -11.5 516.7 819.8 -98.5 582.6 -74.2
-21.1 47113.3 935.9 -99.9 977.1 -99.0 29900.0
Mean value of other lines of credit for families with holdings By age of head
Thousands of 2010 dollars
8000
6000
4000
2000
0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of other lines of credit for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 3.3 14.0 1992 3.6 3.1 1995 9.4 6.0 1998 4.6 6.2 2001 5.6 5.9 2004 22.2 19.4 2007 5.4 21.3 2010 8.5 16.0 Three-year change (percent) 1992 9.1 -77.9 1995 161.1 93.5 1998 -51.1 3.3 2001 21.7 -4.8 2004 296.4 228.8 2007 -75.7 9.8 2010 57.4 -24.9
Age of head 45-54 55-64
65-74
75 or older
29.3 22.9 26.1 9.4 20.1 28.3 22.1 46.8
20.4 55.9 19.4 13.9 39.5 134.4 24.5 69.6
253.4 64.6 33.5 130.7 349.3 292.0 95.5 153.1
74.9 18.0 1397.9 7336.4 22.1 370.6 54.0 134.6
-21.8 14.0 -64.0 113.8 40.8 -21.9 111.8
174.0 -65.3 -28.4 184.2 240.3 -81.8 184.1
-74.5 -48.1 290.1 167.3 -16.4 -67.3 60.3
-76.0 7666.1 424.8 -99.7 1576.9 -85.4 149.3
Percent of families with other lines of credit By family structure
5
Percent
4 3 2 1 0 1989
1992
1995
1998
2001
2004
2007
2010
Year Single with child(ren) Single, no child, age>=55 Couple, no child
Single, no child, age<55 Couple with child(ren)
Percent of families with other lines of credit Family structure Year Single with Single, no Single, no Couple with child(ren) child, child, child(ren) age<55 age≥55 Level (percent) 1989 2.2 4.7 0.4 3.7 1992 1.8 2.3 0.6 2.8 1995 1.7 2.7 0.7 2.2 1998 1.7 2.2 0.4 2.9 2001 2.0 2.6 1.3 1.3 2004 1.1 1.9 0.1 2.1 2007 2.6 2.1 0.5 2.0 2010 1.2 2.3 1.0 2.8 Three-year change (percentage points) 1992 -0.4 -2.4 1995 -0.1 0.4 1998 0.0 -0.5 2001 0.3 0.4 2004 -0.9 -0.7 2007 1.5 0.2 2010 -1.4 0.2
0.2 0.1 -0.3 0.9 -1.2 0.4 0.5
-0.9 -0.6 0.7 -1.6 0.8 -0.1 0.8
Couple, no child
3.7 3.1 1.8 2.9 1.3 1.7 1.5 2.1 -0.6 -1.3 1.1 -1.6 0.4 -0.2 0.6
Median value of other lines of credit for families with holdings
Thousands of 2010 dollars
By family structure
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Median value of other lines of credit for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 3.4 3.4 1992 1.5 3.0 1995 2.8 2.0 1998 1.3 2.7 2001 4.9 0.7 2004 11.5 0.3 2007 2.6 0.4 2010 8.1 3.0 Three-year change (percent) 1992 -55.9 1995 86.7 1998 -53.6 2001 276.9 2004 134.7 2007 -77.4 2010 211.5
-11.8 -33.3 35.0 -74.1 -57.1 33.3 650.0
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
3.4 1.8 5.4 7.5 9.6 51.7 0.5 3.3
3.0 2.7 7.1 3.7 3.7 4.6 5.2 6.0
3.9 6.1 5.1 4.0 4.9 12.7 4.0 13.0
-47.1 200.0 38.9 28.0 438.5 -99.0 560.0
-10.0 163.0 -47.9 0.0 24.3 13.0 15.4
56.4 -16.4 -21.6 22.5 159.2 -68.5 225.0
Mean value of other lines of credit for families with holdings By family structure
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of other lines of credit for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 6.8 13.1 1992 1.8 12.8 1995 4.5 9.5 1998 4.6 11.6 2001 10.9 4.4 2004 9.1 1.6 2007 6.5 6.6 2010 34.0 9.4 Three-year change (percent) 1992 -73.5 1995 150.0 1998 2.2 2001 137.0 2004 -16.5 2007 -28.6 2010 423.1
-2.3 -25.8 22.1 -62.1 -63.6 312.5 42.4
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
32.3 8.3 23.0 47.1 44.2 61.7 9.3 39.8
16.8 11.5 16.2 7.6 30.1 38.3 33.4 29.1
33.0 26.9 22.7 7.8 29.0 82.0 47.4 111.6
-74.3 177.1 104.8 -6.2 39.6 -84.9 328.0
-31.5 40.9 -53.1 296.1 27.2 -12.8 -12.9
-18.5 -15.6 -65.6 271.8 182.8 -42.2 135.4
Percent of families with other lines of credit By education of head
5
Percent
4 3 2 1 0 1989
1992
1995
1998
2001
2004
2007
2010
Year No high school diploma Some college
High school diploma College degree
Percent of families with other lines of credit Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 1.2 2.6 4.2 1992 0.6 1.5 3.5 1995 0.7 1.2 2.3 1998 1.1 1.9 2.8 2001 0.4 1.4 3.0 2004 0.3 1.8 1.8 2007 1.9 1.4 2.2 2010 1.6 1.7 2.3 Three-year change (percentage points) 1992 -0.6 1995 0.1 1998 0.4 2001 -0.7 2004 -0.1 2007 1.6 2010 -0.3
-1.1 -0.3 0.7 -0.5 0.4 -0.4 0.3
-0.7 -1.2 0.5 0.2 -1.2 0.4 0.1
College degree
5.0 3.6 3.1 3.0 1.4 1.7 1.7 2.4 -1.4 -0.5 -0.1 -1.6 0.3 0.0 0.7
Median value of other lines of credit for families with holdings By education of head
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of other lines of credit for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 2.5 1992 2.4 1995 5.4 1998 1.5 2001 0.3 2004 120.8 2007 2.1 2010 0.6 Three-year change (percent) 1992 -4.0 1995 125.0 1998 -72.2 2001 -80.0 2004 40166.7 2007 -98.3 2010 -71.4
Education of head High school Some college diploma
College degree
3.4 2.1 7.1 3.3 9.6 1.7 1.4 3.2
5.9 3.0 3.3 3.7 4.3 3.5 4.0 2.7
3.0 4.2 5.0 3.7 4.9 4.6 6.3 13.0
-38.2 238.1 -53.5 190.9 -82.3 -17.6 128.6
-49.2 10.0 12.1 16.2 -18.6 14.3 -32.5
40.0 19.0 -26.0 32.4 -6.1 37.0 106.3
Mean value of other lines of credit for families with holdings By education of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of other lines of credit for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 6.7 1992 12.2 1995 5.9 1998 11.2 2001 0.8 2004 91.7 2007 17.5 2010 3.1 Three-year change (percent) 1992 82.1 1995 -51.6 1998 89.8 2001 -92.9 2004 11362.5 2007 -80.9 2010 -82.3
Education of head High school Some college diploma
College degree
5.2 5.9 14.9 5.6 18.9 19.9 22.5 69.0
28.6 6.3 12.3 5.4 11.0 22.5 15.5 11.5
26.9 24.8 18.4 12.7 40.6 67.8 39.7 64.3
13.5 152.5 -62.4 237.5 5.3 13.1 206.7
-78.0 95.2 -56.1 103.7 104.5 -31.1 -25.8
-7.8 -25.8 -31.0 219.7 67.0 -41.4 62.0
Percent of families with other lines of credit By race or ethnicity of respondent
3.5
Percent
3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
2010
Nonwhite or Hispanic
Percent of families with other lines of credit Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 3.0 2.6 2.1 2.5 1.7 1.7 1.6 2.4
Three-year change (percentage points) 1992 -0.4 1995 -0.5 1998 0.4 2001 -0.8 2004 0.0 2007 -0.1 2010 0.8
3.5 1.6 1.3 1.8 1.2 1.1 2.0 1.4 -1.9 -0.3 0.5 -0.6 -0.1 0.9 -0.6
Median value of other lines of credit for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
6 5 4 3 2 1 0 1989
1992
1995
1998
2001
2004
2007
2010
Year White, non−Hispanic
Nonwhite or Hispanic
Median value of other lines of credit for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 4.2 2.4 1992 3.0 3.3 1995 5.4 0.7 1998 3.7 0.9 2001 4.9 0.8 2004 4.6 0.4 2007 5.2 0.8 2010 6.0 5.5 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-28.6 80.0 -31.5 32.4 -6.1 13.0 15.4
37.5 -78.8 28.6 -11.1 -50.0 100.0 587.5
Mean value of other lines of credit for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
60 50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of other lines of credit for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 25.8 3.9 1992 17.3 7.4 1995 17.8 3.0 1998 10.0 4.7 2001 25.3 8.6 2004 47.6 19.9 2007 33.6 11.6 2010 59.6 10.7 Three-year change (percent) 1992 -32.9 1995 2.9 1998 -43.8 2001 153.0 2004 88.1 2007 -29.4 2010 77.4
89.7 -59.5 56.7 83.0 131.4 -41.7 -7.8
Percent of families with other lines of credit By current work status of head
5
Percent
4 3 2 1 0 1989
1992
1995
1998
2001
2004
2007
2010
Year Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Self−employed Other not working
Percent of families with other lines of credit Current work status of head Employee Self-employed Retired
4.6 3.1 2.3 2.7 1.4 1.9 1.9 2.4
Three-year change (percentage points) 1992 -1.5 1995 -0.8 1998 0.4 2001 -1.3 2004 0.5 2007 0.0 2010 0.5
Other not working
4.4 3.7 3.6 3.7 3.5 3.0 3.6 3.2
0.3 0.5 0.3 0.6 0.7 0.3 0.8 0.9
0.0 1.5 1.9 2.2 2.5 0.2 0.0 1.7
-0.7 -0.1 0.1 -0.2 -0.5 0.6 -0.4
0.2 -0.2 0.3 0.1 -0.4 0.5 0.1
1.5 0.4 0.3 0.3 -2.3 -0.2 1.7
Median value of other lines of credit for families with holdings By current work status of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of other lines of credit for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 3.0 1992 2.4 1995 3.5 1998 3.7 2001 3.7 2004 4.6 2007 3.0 2010 6.0
16.5 5.3 9.9 5.1 18.4 2.5 5.2 15.6
0.7 6.1 5.4 2.0 4.8 0.3 6.7 3.3
. 1.8 3.3 0.3 0.4 233.6 . 2.7
Three-year change (percent) 1992 -20.0 1995 45.8 1998 5.7 2001 0.0 2004 24.3 2007 -34.8 2010 100.0
-67.9 86.8 -48.5 260.8 -86.4 108.0 200.0
771.4 -11.5 -63.0 140.0 -93.8 2133.3 -50.7
. 83.3 -90.9 33.3 58300.0 . .
Mean value of other lines of credit for families with holdings By current work status of head
Thousands of 2010 dollars
250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of other lines of credit for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 8.1 1992 6.7 1995 11.6 1998 6.0 2001 10.1 2004 23.7 2007 14.0 2010 17.7
67.8 53.2 30.1 20.7 52.2 83.0 48.6 156.2
119.7 27.7 30.2 16.3 22.5 101.7 50.3 88.3
. 3.2 5.0 0.4 4.7 233.6 . 8.6
Three-year change (percent) 1992 -17.3 1995 73.1 1998 -48.3 2001 68.3 2004 134.7 2007 -40.9 2010 26.4
-21.5 -43.4 -31.2 152.2 59.0 -41.4 221.4
-76.9 9.0 -46.0 38.0 352.0 -50.5 75.5
. 56.2 -92.0 1075.0 4870.2 . .
Percent of families with other lines of credit By current occupation of head
6
Percent
5 4 3 2 1 0 1989
1992
1995
1998
2001
2004
2007
2010
Year Managerial or professional Other occupation
Technical, sales, or services Retired or other not working
Percent of families with other lines of credit Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 4.7 6.4 2.8 1992 4.7 2.7 2.1 1995 4.1 2.2 1.5 1998 4.2 1.8 2.7 2001 1.9 2.4 0.9 2004 1.8 2.4 2.1 2007 1.8 2.7 2.1 2010 2.9 2.4 2.1 Three-year change (percentage points) 1992 0.0 1995 -0.6 1998 0.1 2001 -2.3 2004 -0.1 2007 0.0 2010 1.1
-3.7 -0.5 -0.4 0.6 0.0 0.3 -0.3
-0.7 -0.6 1.2 -1.8 1.2 0.0 0.0
Retired or other not working 0.2 0.8 0.6 0.9 1.0 0.3 0.7 1.1 0.6 -0.2 0.3 0.1 -0.7 0.4 0.4
Median value of other lines of credit for families with holdings By current occupation of head
Thousands of 2010 dollars
25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of other lines of credit for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 5.1 3.0 2.4 1992 5.3 2.3 1.5 1995 5.7 5.5 3.1 1998 3.7 4.0 2.9 2001 6.1 4.9 1.3 2004 9.2 1.7 1.7 2007 9.4 3.7 4.2 2010 10.0 2.0 5.6 Year
Three-year change (percent) 1992 3.9 1995 7.5 1998 -35.1 2001 64.9 2004 50.8 2007 2.2 2010 6.4
-23.3 139.1 -27.3 22.5 -65.3 117.6 -45.9
-37.5 106.7 -6.5 -55.2 30.8 147.1 33.3
Retired or other not working 0.7 6.1 5.4 0.9 0.7 25.3 6.7 3.0 771.4 -11.5 -83.3 -22.2 3514.3 -73.5 -55.2
Mean value of other lines of credit for families with holdings By current occupation of head
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of other lines of credit for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 22.8 8.6 28.6 1992 23.0 9.9 6.1 1995 17.3 19.7 5.9 1998 12.0 9.2 4.4 2001 29.9 24.3 5.7 2004 70.8 13.8 28.2 2007 54.0 8.2 7.3 2010 81.1 20.1 11.1 Year
Three-year change (percent) 1992 0.9 1995 -24.8 1998 -30.6 2001 149.2 2004 136.8 2007 -23.7 2010 50.2
15.1 99.0 -53.3 164.1 -43.2 -40.6 145.1
-78.7 -3.3 -25.4 29.5 394.7 -74.1 52.1
Retired or other not working 119.7 16.2 14.5 9.6 15.3 113.0 50.3 60.6 -86.5 -10.5 -33.8 59.4 638.6 -55.5 20.5
Percent of families with other lines of credit By region
6 5
Percent
4 3 2 1 0 1989
1992
1995
1998
2001
2004
2007
2010
Year Northeast West
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Midwest
South
Percent of families with other lines of credit Region Northeast Midwest South 2.1 2.2 1.9 2.2 0.6 1.1 0.4 1.6
Three-year change (percentage points) 1992 0.1 1995 -0.3 1998 0.3 2001 -1.6 2004 0.5 2007 -0.7 2010 1.2
West
2.6 1.7 1.6 2.0 1.7 1.6 1.9 2.3
2.5 1.8 1.8 2.4 1.3 1.6 1.7 2.0
6.0 4.1 2.4 2.7 2.5 1.8 2.7 2.4
-0.9 -0.1 0.4 -0.3 -0.1 0.3 0.4
-0.7 0.0 0.6 -1.1 0.3 0.1 0.3
-1.9 -1.7 0.3 -0.2 -0.7 0.9 -0.3
Median value of other lines of credit for families with holdings By region
Thousands of 2010 dollars
10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Median value of other lines of credit for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 3.4 1992 2.1 1995 5.4 1998 4.0 2001 2.2 2004 0.4 2007 4.7 2010 6.0 Three-year change (percent) 1992 -38.2 1995 157.1 1998 -25.9 2001 -45.0 2004 -81.8 2007 1075.0 2010 27.7
Midwest
South
West
3.0 4.0 5.3 1.5 6.1 3.5 5.2 3.0
2.5 1.5 4.2 2.7 7.1 9.2 3.3 8.1
4.2 7.6 5.0 5.3 3.7 4.6 4.0 6.0
33.3 32.5 -71.7 306.7 -42.6 48.6 -42.3
-40.0 180.0 -35.7 163.0 29.6 -64.1 145.5
81.0 -34.2 6.0 -30.2 24.3 -13.0 50.0
Mean value of other lines of credit for families with holdings By region
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of other lines of credit for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 8.1 1992 27.6 1995 15.7 1998 8.7 2001 11.1 2004 38.2 2007 51.2 2010 27.6 Three-year change (percent) 1992 240.7 1995 -43.1 1998 -44.6 2001 27.6 2004 244.1 2007 34.0 2010 -46.1
Midwest
South
West
22.5 14.4 14.2 6.8 31.9 30.9 21.5 87.2
5.6 6.1 19.6 11.2 17.3 46.1 22.5 30.4
32.2 17.1 11.1 8.1 21.4 48.8 30.3 50.5
-36.0 -1.4 -52.1 369.1 -3.1 -30.4 305.6
8.9 221.3 -42.9 54.5 166.5 -51.2 35.1
-46.9 -35.1 -27.0 164.2 128.0 -37.9 66.7
Percent of families with other lines of credit By urbanicity
3.5
Percent
3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Non−MSA
Percent of families with other lines of credit Urbanicity Metropolitan Statistical Area Non-MSA (MSA) 3.5 2.6 2.0 2.2 1.3 1.6 1.8 2.1
Three-year change (percentage points) 1992 -0.9 1995 -0.6 1998 0.2 2001 -0.9 2004 0.3 2007 0.2 2010 0.3
2010
1.5 1.0 1.4 3.2 2.9 1.6 1.6 1.9 -0.5 0.4 1.8 -0.3 -1.3 0.0 0.3
Median value of other lines of credit for families with holdings By urbanicity
Thousands of 2010 dollars
25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of other lines of credit for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 3.4 1992 3.6 1995 5.1 1998 3.7 2001 4.3 2004 2.5 2007 3.7 2010 5.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
5.9 41.7 -27.5 16.2 -41.9 48.0 35.1
2010
Non-MSA
3.4 1.5 4.0 2.9 8.6 23.0 6.3 14.5 -55.9 166.7 -27.5 196.6 167.4 -72.6 130.2
Mean value of other lines of credit for families with holdings By urbanicity
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Mean value of other lines of credit for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 15.1 1992 16.9 1995 16.1 1998 10.1 2001 25.7 2004 42.4 2007 24.9 2010 40.9 Three-year change (percent) 1992 11.9 1995 -4.7 1998 -37.3 2001 154.5 2004 65.0 2007 -41.3 2010 64.3
2010
Non-MSA
63.1 1.7 10.0 5.1 11.8 40.6 31.6 93.3 -97.3 488.2 -49.0 131.4 244.1 -22.2 195.3
Percent of families with other lines of credit By housing status
4 3.5
Percent
3 2.5 2 1.5 1 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
2007
Renter or other
Percent of families with other lines of credit Housing status Owner Renter or other 2.8 2.0 1.5 1.8 1.0 1.3 1.3 2.0
Three-year change (percentage points) 1992 -0.8 1995 -0.5 1998 0.3 2001 -0.8 2004 0.3 2007 0.0 2010 0.7
3.9 2.9 2.6 3.4 2.8 2.1 2.8 2.1 -1.0 -0.3 0.8 -0.6 -0.7 0.7 -0.7
2010
Median value of other lines of credit for families with holdings By housing status
Thousands of 2010 dollars
20
15
10
5
0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Median value of other lines of credit for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 5.1 1992 4.2 1995 6.8 1998 2.9 2001 18.4 2004 9.2 2007 7.9 2010 10.0 Three-year change (percent) 1992 -17.6 1995 61.9 1998 -57.4 2001 534.5 2004 -50.0 2007 -14.1 2010 26.6
Renter or other 2.0 1.8 2.0 3.7 1.2 0.5 1.0 1.5 -10.0 11.1 85.0 -67.6 -58.3 100.0 50.0
2010
Mean value of other lines of credit for families with holdings By housing status
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of other lines of credit for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 28.5 1992 25.7 1995 21.9 1998 11.9 2001 37.5 2004 56.9 2007 41.3 2010 68.5 Three-year change (percent) 1992 -9.8 1995 -14.8 1998 -45.7 2001 215.1 2004 51.7 2007 -27.4 2010 65.9
Renter or other 8.4 3.0 8.4 6.1 10.8 21.2 10.9 11.4 -64.3 180.0 -27.4 77.0 96.3 -48.6 4.6
2010
Percent of families with other lines of credit By percentile of net worth
5
Percent
4 3 2 1 0 1989
1992
1995
1998
2001
2004
2007
2010
Year Less than 25 75−89.9
25−49.9 90−100
50−74.9
Percent of families with other lines of credit Percentile of net worth Year Less than 25 25-49.9 50-74.9 75-89.9 Level (percent) 1989 3.3 3.4 2.6 2.6 1992 2.4 1.9 2.2 2.8 1995 2.4 2.1 1.3 0.9 1998 2.8 2.5 1.7 2.0 2001 2.5 1.2 0.7 1.6 2004 1.3 1.7 1.9 1.3 2007 2.6 1.3 1.6 1.5 2010 2.3 1.5 2.2 1.8 Three-year change (percentage points) 1992 -0.9 -1.5 1995 0.0 0.2 1998 0.4 0.4 2001 -0.3 -1.3 2004 -1.2 0.5 2007 1.3 -0.4 2010 -0.3 0.2
-0.4 -0.9 0.4 -1.0 1.2 -0.3 0.6
0.2 -1.9 1.1 -0.4 -0.3 0.2 0.3
90-100 4.4 3.2 3.2 2.6 2.1 1.5 1.5 3.0 -1.2 0.0 -0.6 -0.5 -0.6 0.0 1.5
Median value of other lines of credit for families with holdings By percentile of net worth
Thousands of 2010 dollars
60 50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of other lines of credit for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 2.9 2.2 1992 1.8 1.5 1995 3.7 4.2 1998 1.3 4.0 2001 0.7 2.2 2004 0.3 1.2 2007 1.0 2.1 2010 1.9 1.3 Three-year change (percent) 1992 -37.9 1995 105.6 1998 -64.9 2001 -46.2 2004 -57.1 2007 233.3 2010 90.0
-31.8 180.0 -4.8 -45.0 -45.5 75.0 -38.1
Percentile of net worth 50-74.9
75-89.9
90-100
3.4 2.7 3.3 4.0 9.6 9.1 4.4 5.0
5.1 9.1 14.2 1.7 15.0 25.3 10.7 11.0
16.9 27.3 11.3 13.3 25.1 57.5 45.1 30.0
-20.6 22.2 21.2 140.0 -5.2 -51.6 13.6
78.4 56.0 -88.0 782.4 68.7 -57.7 2.8
61.5 -58.6 17.7 88.7 129.1 -21.6 -33.5
Mean value of other lines of credit for families with holdings By percentile of net worth
Thousands of 2010 dollars
300 250 200 150 100 50 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of other lines of credit for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 3.4 3.9 1992 2.8 2.7 1995 5.0 6.8 1998 2.9 5.1 2001 4.9 5.3 2004 10.6 8.4 2007 4.5 6.1 2010 7.8 10.3 Three-year change (percent) 1992 -17.6 1995 78.6 1998 -42.0 2001 69.0 2004 116.3 2007 -57.5 2010 73.3
-30.8 151.9 -25.0 3.9 58.5 -27.4 68.9
Percentile of net worth 50-74.9
75-89.9
90-100
9.9 3.4 12.1 6.4 10.8 13.1 23.3 17.8
5.2 16.9 16.9 4.2 25.2 49.1 33.0 85.9
107.5 78.6 52.0 45.0 104.4 293.2 160.8 200.1
-65.7 255.9 -47.1 68.8 21.3 77.9 -23.6
225.0 0.0 -75.1 500.0 94.8 -32.8 160.3
-26.9 -33.8 -13.5 132.0 180.8 -45.2 24.4
Percent of families with other debt For all families
9
Percent
8.5
8
7.5
7
6.5 1989
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
1992
1995
1998 2001 Year
2004
Percent of families with other debt All families
Three-year change (percentage points) 1992 1995 1998 2001 2004 2007 2010
6.7 8.4 8.5 8.8 7.2 7.6 6.8 6.4 1.7 0.1 0.3 -1.6 0.4 -0.8 -0.4
2007
2010
Median value of other debt for families with holdings For all families
Thousands of 2010 dollars
5.5
5
4.5
4
3.5
3 1989
1992
1995
1998 2001 Year
2004
2007
Median value of other debt for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 3.4 3.8 2.8 4.0 3.7 4.6 5.2 4.5 11.8 -26.3 42.9 -7.5 24.3 13.0 -13.5
2010
Mean value of other debt for families with holdings For all families
Thousands of 2010 dollars
26 24 22 20 18 16 14 1989
1992
1995
1998 2001 Year
2004
Mean value of other debt for families with holdings Year Level (thousands of 2010 dollars) 1989 1992 1995 1998 2001 2004 2007 2010 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
All families 14.4 13.3 17.3 26.7 21.6 19.6 16.2 16.8 -7.6 30.1 54.3 -19.1 -9.3 -17.3 3.7
2007
2010
Percent of families with other debt By percentile of income
16 14
Percent
12 10 8 6 4 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
Year
Less than 20 Level (percent) 1989 5.9 1992 4.5 1995 6.8 1998 5.5 2001 5.9 2004 4.6 2007 3.9 2010 4.2
2004
20−39.9 80−89.9
Percent of families with other debt Percentile of income 20-39.9 40-59.9 60-79.9
5.2 6.0 7.9 6.2 5.6 5.8 6.8 4.2
Three-year change (percentage points) 1992 -1.4 0.8 1995 2.3 1.9 1998 -1.3 -1.7 2001 0.4 -0.6 2004 -1.3 0.2 2007 -0.7 1.0 2010 0.3 -2.6
2007
2010
40−59.9 90−100
80-89.9
90-100
4.9 9.2 7.8 7.8 7.7 8.0 6.4 6.8
5.9 9.6 9.0 11.3 7.7 8.3 8.7 7.8
7.9 9.2 8.2 12.1 9.3 12.2 9.6 11.8
14.9 16.0 13.5 13.9 8.8 10.6 7.0 6.6
4.3 -1.4 0.0 -0.1 0.3 -1.6 0.4
3.7 -0.6 2.3 -3.6 0.6 0.4 -0.9
1.3 -1.0 3.9 -2.8 2.9 -2.6 2.2
1.1 -2.5 0.4 -5.1 1.8 -3.6 -0.4
Median value of other debt for families with holdings By percentile of income
Thousands of 2010 dollars
25 20 15 10 5 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
20−39.9 80−89.9
2004
2007
2010
40−59.9 90−100
Median value of other debt for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 0.8 1.7 1992 1.7 1.2 1995 2.8 1.4 1998 1.3 2.3 2001 1.2 3.7 2004 2.3 3.1 2007 3.1 4.2 2010 2.0 2.0 Three-year change (percent) 1992 112.5 -29.4 1995 64.7 16.7 1998 -53.6 64.3 2001 -7.7 60.9 2004 91.7 -16.2 2007 34.8 35.5 2010 -35.5 -52.4
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
1.5 3.0 2.8 2.7 2.5 2.6 4.2 3.5
2.0 4.4 2.7 4.0 3.7 4.0 5.6 6.0
6.7 4.5 5.2 6.7 4.9 5.8 5.2 5.0
8.4 9.1 7.1 13.3 25.7 10.9 7.9 18.0
100.0 -6.7 -3.6 -7.4 4.0 61.5 -16.7
120.0 -38.6 48.1 -7.5 8.1 40.0 7.1
-32.8 15.6 28.8 -26.9 18.4 -10.3 -3.8
8.3 -22.0 87.3 93.2 -57.6 -27.5 127.8
Mean value of other debt for families with holdings By percentile of income
Thousands of 2010 dollars
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 20 60−79.9
2004
2007
20−39.9 80−89.9
2010
40−59.9 90−100
Mean value of other debt for families with holdings Year
Less than 20-39.9 20 Level (thousands of 2010 dollars) 1989 6.7 5.4 1992 12.8 2.9 1995 9.8 6.2 1998 3.5 5.5 2001 2.6 10.7 2004 10.4 8.8 2007 6.8 8.2 2010 9.2 5.2 Three-year change (percent) 1992 91.0 -46.3 1995 -23.4 113.8 1998 -64.3 -11.3 2001 -25.7 94.5 2004 300.0 -17.8 2007 -34.6 -6.8 2010 35.3 -36.6
Percentile of income 40-59.9 60-79.9
80-89.9
90-100
6.2 11.5 8.9 7.8 7.4 7.8 8.2 8.8
13.1 7.9 7.4 19.2 7.7 6.7 9.5 11.8
20.0 9.3 9.1 15.5 14.1 20.7 23.5 12.3
30.3 32.2 65.8 106.7 118.2 75.9 63.2 76.8
85.5 -22.6 -12.4 -5.1 5.4 5.1 7.3
-39.7 -6.3 159.5 -59.9 -13.0 41.8 24.2
-53.5 -2.2 70.3 -9.0 46.8 13.5 -47.7
6.3 104.3 62.2 10.8 -35.8 -16.7 21.5
Percent of families with other debt By age of head
14 12
Percent
10 8 6 4 2 1989
1992
1995
1998 2001 Year
Less than 35 55−64
Year
Less than 35 Level (percent) 1989 6.1 1992 6.4 1995 7.4 1998 9.6 2001 8.8 2004 6.2 2007 5.9 2010 5.5
2004
35−44 65−74
Percent of families with other debt Age of head 35-44 45-54 55-64
8.5 11.5 10.5 11.4 8.0 11.3 7.5 8.6
Three-year change (percentage points) 1992 0.3 3.0 1995 1.0 -1.0 1998 2.2 0.9 2001 -0.8 -3.4 2004 -2.6 3.3 2007 -0.3 -3.8 2010 -0.4 1.1
2007
2010
45−54 75 or older
65-74
75 or older
9.4 10.4 13.0 11.1 7.4 9.4 9.8 9.7
8.1 9.6 7.8 8.3 7.4 8.4 8.7 6.7
3.3 6.0 5.4 4.1 5.0 4.0 4.4 2.3
1.9 4.4 2.9 2.0 3.6 2.5 1.3 2.0
1.0 2.6 -1.9 -3.7 2.0 0.4 -0.1
1.5 -1.8 0.5 -0.9 1.0 0.3 -2.0
2.7 -0.6 -1.3 0.9 -1.0 0.4 -2.1
2.5 -1.5 -0.9 1.6 -1.1 -1.2 0.7
Median value of other debt for families with holdings By age of head
Thousands of 2010 dollars
14 12 10 8 6 4 2 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Median value of other debt for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 1.3 2.0 1992 2.1 4.5 1995 2.1 2.8 1998 2.3 4.0 2001 2.5 3.8 2004 3.5 4.6 2007 4.7 5.2 2010 2.0 4.4 Three-year change (percent) 1992 61.5 125.0 1995 0.0 -37.8 1998 9.5 42.9 2001 8.7 -5.0 2004 40.0 21.1 2007 34.3 13.0 2010 -57.4 -15.4
Age of head 45-54 55-64
65-74
75 or older
5.1 4.5 4.2 6.7 6.1 4.6 4.7 5.0
4.6 4.5 5.7 6.7 6.1 6.3 6.3 6.0
3.4 2.3 2.8 6.0 3.1 5.8 5.2 6.0
8.4 4.1 5.7 2.3 3.1 2.3 4.7 13.0
-11.8 -6.7 59.5 -9.0 -24.6 2.2 6.4
-2.2 26.7 17.5 -9.0 3.3 0.0 -4.8
-32.4 21.7 114.3 -48.3 87.1 -10.3 15.4
-51.2 39.0 -59.6 34.8 -25.8 104.3 176.6
Mean value of other debt for families with holdings By age of head
Thousands of 2010 dollars
100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 35 55−64
35−44 65−74
2004
2007
2010
45−54 75 or older
Mean value of other debt for families with holdings Year
Less than 35-44 35 Level (thousands of 2010 dollars) 1989 6.1 8.6 1992 4.7 12.3 1995 9.7 11.2 1998 5.0 8.1 2001 5.9 13.3 2004 7.0 11.1 2007 8.1 13.3 2010 4.2 11.7 Three-year change (percent) 1992 -23.0 43.0 1995 106.4 -8.9 1998 -48.5 -27.7 2001 18.0 64.2 2004 18.6 -16.5 2007 15.7 19.8 2010 -48.1 -12.0
Age of head 45-54 55-64
65-74
75 or older
22.4 14.4 12.9 47.7 33.5 15.6 12.2 19.7
20.0 16.8 47.9 45.0 46.1 40.9 20.2 28.3
25.7 30.2 35.1 79.4 18.5 45.9 29.1 22.9
29.2 7.7 7.9 71.5 37.4 45.6 94.2 21.6
-35.7 -10.4 269.8 -29.8 -53.4 -21.8 61.5
-16.0 185.1 -6.1 2.4 -11.3 -50.6 40.1
17.5 16.2 126.2 -76.7 148.1 -36.6 -21.3
-73.6 2.6 805.1 -47.7 21.9 106.6 -77.1
Percent of families with other debt By family structure
12
Percent
10 8 6 4 2 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
Year
Single with child(ren)
Level (percent) 1989 5.6 1992 7.7 1995 9.6 1998 7.8 2001 7.6 2004 6.1 2007 10.1 2010 6.7
2004
2007
Single, no child, age<55 Couple with child(ren)
Percent of families with other debt Family structure Single, no Single, no Couple with child, child, child(ren) age<55 age≥55 4.9 7.7 10.6 10.0 7.9 8.4 7.0 5.7
Three-year change (percentage points) 1992 2.1 2.8 1995 1.9 2.9 1998 -1.8 -0.6 2001 -0.2 -2.1 2004 -1.5 0.5 2007 4.0 -1.4 2010 -3.4 -1.3
2010
Couple, no child
1.6 3.7 4.3 2.4 5.8 5.1 3.7 2.5
8.8 10.7 9.8 11.9 8.8 10.2 7.9 8.8
8.4 9.0 7.3 7.8 5.6 6.2 5.7 6.2
2.1 0.6 -1.9 3.4 -0.7 -1.4 -1.2
1.9 -0.9 2.1 -3.1 1.4 -2.3 0.9
0.6 -1.7 0.5 -2.2 0.6 -0.5 0.5
Median value of other debt for families with holdings
Thousands of 2010 dollars
By family structure
7 6 5 4 3 2 1 1989
1992
1995
1998
2001
2004
2007
2010
Year Single with child(ren) Single, no child, age>=55 Couple, no child
Single, no child, age<55 Couple with child(ren)
Median value of other debt for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 1.2 1.3 1992 1.4 4.5 1995 2.8 2.5 1998 2.4 2.5 2001 2.5 2.5 2004 2.3 3.5 2007 5.2 3.1 2010 2.8 5.0 Three-year change (percent) 1992 16.7 1995 100.0 1998 -14.3 2001 4.2 2004 -8.0 2007 126.1 2010 -46.2
246.2 -44.4 0.0 0.0 40.0 -11.4 61.3
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
0.7 2.0 3.8 6.7 4.0 2.3 4.2 2.1
3.4 4.1 2.8 5.0 4.9 5.8 5.6 4.2
6.2 4.5 5.7 6.7 7.4 4.6 5.2 5.8
185.7 90.0 76.3 -40.3 -42.5 82.6 -50.0
20.6 -31.7 78.6 -2.0 18.4 -3.4 -25.0
-27.4 26.7 17.5 10.4 -37.8 13.0 11.5
Mean value of other debt for families with holdings
Thousands of 2010 dollars
By family structure
60 50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
Single with child(ren) Single, no child, age>=55 Couple, no child
2004
2007
2010
Single, no child, age<55 Couple with child(ren)
Mean value of other debt for families with holdings Year
Single with child(ren)
Single, no child, age<55 Level (thousands of 2010 dollars) 1989 12.1 9.3 1992 2.6 8.7 1995 9.3 7.4 1998 4.3 18.5 2001 3.1 4.7 2004 14.5 7.4 2007 8.7 6.7 2010 5.7 14.7 Three-year change (percent) 1992 -78.5 1995 257.7 1998 -53.8 2001 -27.9 2004 367.7 2007 -40.0 2010 -34.5
-6.5 -14.9 150.0 -74.6 57.4 -9.5 119.4
Family structure Single, no child, age≥55
Couple with child(ren)
Couple, no child
6.0 10.7 30.0 64.5 14.6 11.2 9.3 20.0
14.4 15.3 16.5 22.3 21.4 22.8 18.6 18.2
18.5 17.5 27.9 45.6 47.7 29.2 26.9 20.1
78.3 180.4 115.0 -77.4 -23.3 -17.0 115.1
6.2 7.8 35.2 -4.0 6.5 -18.4 -2.2
-5.4 59.4 63.4 4.6 -38.8 -7.9 -25.3
Percent of families with other debt By education of head
12
Percent
10 8 6 4 2 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2.4 0.4 0.2 -0.6 -2.0 0.5 0.0
2010
High school diploma College degree
Percent of families with other debt Education of head Year No high school High school Some college diploma diploma Level (percent) 1989 3.1 5.5 7.4 1992 6.2 7.9 7.4 1995 5.4 8.3 10.7 1998 6.9 8.5 9.3 2001 5.7 7.9 6.4 2004 5.7 5.9 10.3 2007 5.3 6.4 9.3 2010 4.8 6.4 7.4 Three-year change (percentage points) 1992 3.1 1995 -0.8 1998 1.5 2001 -1.2 2004 0.0 2007 -0.4 2010 -0.5
2007
0.0 3.3 -1.4 -2.9 3.9 -1.0 -1.9
College degree
10.7 10.8 9.2 9.7 7.6 8.5 6.5 6.4 0.1 -1.6 0.5 -2.1 0.9 -2.0 -0.1
Median value of other debt for families with holdings By education of head
Thousands of 2010 dollars
10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Median value of other debt for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 1.2 1992 3.0 1995 2.1 1998 1.7 2001 1.2 2004 4.6 2007 4.2 2010 2.3 Three-year change (percent) 1992 150.0 1995 -30.0 1998 -19.0 2001 -29.4 2004 283.3 2007 -8.7 2010 -45.2
Education of head High school Some college diploma
College degree
2.0 3.0 2.8 3.3 3.2 3.5 4.7 3.0
8.4 3.0 2.0 4.0 2.5 3.9 5.2 3.0
3.4 4.5 4.2 6.7 6.7 5.8 6.3 9.0
50.0 -6.7 17.9 -3.0 9.4 34.3 -36.2
-64.3 -33.3 100.0 -37.5 56.0 33.3 -42.3
32.4 -6.7 59.5 0.0 -13.4 8.6 42.9
Mean value of other debt for families with holdings By education of head
Thousands of 2010 dollars
50 40 30 20 10 0 1989
1992
1995
1998 2001 Year
No high school diploma Some college
2004
2007
2010
High school diploma College degree
Mean value of other debt for families with holdings Year
No high school diploma Level (thousands of 2010 dollars) 1989 7.3 1992 7.0 1995 7.7 1998 3.9 2001 10.4 2004 6.8 2007 9.0 2010 4.9 Three-year change (percent) 1992 -4.1 1995 10.0 1998 -49.4 2001 166.7 2004 -34.6 2007 32.4 2010 -45.6
Education of head High school Some college diploma
College degree
10.4 7.2 11.6 13.1 7.8 12.2 11.2 7.1
9.2 20.5 11.5 15.6 16.3 12.9 10.2 7.8
20.7 17.1 30.2 52.0 41.5 31.5 27.5 33.1
-30.8 61.1 12.9 -40.5 56.4 -8.2 -36.6
122.8 -43.9 35.7 4.5 -20.9 -20.9 -23.5
-17.4 76.6 72.2 -20.2 -24.1 -12.7 20.4
Percent of families with other debt By race or ethnicity of respondent
9
Percent
8
7
6
5 1989
1992
1995
1998
2001
2004
2007
2010
Year White, non−Hispanic
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Nonwhite or Hispanic
Percent of families with other debt Race or ethnicity of respondent White, non-Hispanic Nonwhite or Hispanic 7.2 8.2 8.5 8.8 7.4 7.8 6.7 6.1
Three-year change (percentage points) 1992 1.0 1995 0.3 1998 0.3 2001 -1.4 2004 0.4 2007 -1.1 2010 -0.6
5.1 9.1 8.5 8.5 6.5 7.3 7.0 7.2 4.0 -0.6 0.0 -2.0 0.8 -0.3 0.2
Median value of other debt for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
5
4
3
2
1 1989
1992
1995
1998
2001
2004
2007
2010
Year White, non−Hispanic
Nonwhite or Hispanic
Median value of other debt for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 3.4 1.2 1992 4.5 3.0 1995 3.5 2.1 1998 4.4 2.3 2001 4.5 2.5 2004 4.6 3.5 2007 5.2 5.2 2010 5.2 2.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
32.4 -22.2 25.7 2.3 2.2 13.0 0.0
150.0 -30.0 9.5 8.7 40.0 48.6 -48.1
Mean value of other debt for families with holdings By race or ethnicity of respondent
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
White, non−Hispanic
2004
2007
2010
Nonwhite or Hispanic
Mean value of other debt for families with holdings Race or ethnicity of respondent Year White, non-Hispanic Nonwhite or Hispanic Level (thousands of 2010 dollars) 1989 15.0 12.1 1992 15.6 6.9 1995 20.6 5.8 1998 30.6 13.4 2001 26.2 5.6 2004 23.8 8.0 2007 18.0 12.0 2010 21.4 8.7 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
4.0 32.1 48.5 -14.4 -9.2 -24.4 18.9
-43.0 -15.9 131.0 -58.2 42.9 50.0 -27.5
Percent of families with other debt By current work status of head
12
Percent
10 8 6 4 2 1989
1992
1995
1998 2001 Year
Employee Retired
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Employee
2004
Three-year change (percentage points) 1992 1.9 1995 0.5 1998 0.9 2001 -2.6 2004 1.6 2007 -1.1 2010 -1.0
2010
Self−employed Other not working
Percent of families with other debt Current work status of head Self-employed Retired
7.5 9.4 9.9 10.8 8.2 9.8 8.7 7.7
2007
Other not working
10.7 12.4 8.8 10.7 8.1 5.8 4.7 7.0
3.3 5.2 4.6 3.3 4.4 3.9 3.2 3.1
5.5 6.4 9.7 7.5 6.2 2.3 7.5 6.6
1.7 -3.6 1.9 -2.6 -2.3 -1.1 2.3
1.9 -0.6 -1.3 1.1 -0.5 -0.7 -0.1
0.9 3.3 -2.2 -1.3 -3.9 5.2 -0.9
Median value of other debt for families with holdings By current work status of head
Thousands of 2010 dollars
15
10
5
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Median value of other debt for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 3.4 1992 3.8 1995 2.8 1998 4.0 2001 2.6 2004 4.0 2007 5.2 2010 4.0
8.4 7.6 7.1 8.7 14.6 8.1 10.5 10.0
1.7 3.0 4.2 2.5 4.0 3.5 4.7 3.0
0.5 3.8 2.1 1.5 3.1 9.2 8.4 5.0
Three-year change (percent) 1992 11.8 1995 -26.3 1998 42.9 2001 -35.0 2004 53.8 2007 30.0 2010 -23.1
-9.5 -6.6 22.5 67.8 -44.5 29.6 -4.8
76.5 40.0 -40.5 60.0 -12.5 34.3 -36.2
660.0 -44.7 -28.6 106.7 196.8 -8.7 -40.5
Mean value of other debt for families with holdings By current work status of head
Thousands of 2010 dollars
80
60
40
20
0 1989
1992
1995
1998 2001 Year
Employee Retired
2004
2007
2010
Self−employed Other not working
Mean value of other debt for families with holdings Year
Employee
Current work status of head Self-employed Retired
Other not working
Level (thousands of 2010 dollars) 1989 10.1 1992 9.8 1995 9.2 1998 15.0 2001 14.4 2004 10.0 2007 10.0 2010 11.9
35.3 33.6 84.0 57.2 64.9 84.0 72.6 48.5
12.3 6.5 12.7 84.6 18.4 30.8 24.2 13.6
1.9 12.4 3.4 6.1 15.6 46.3 11.8 13.8
Three-year change (percent) 1992 -3.0 1995 -6.1 1998 63.0 2001 -4.0 2004 -30.6 2007 0.0 2010 19.0
-4.8 150.0 -31.9 13.5 29.4 -13.6 -33.2
-47.2 95.4 566.1 -78.3 67.4 -21.4 -43.8
552.6 -72.6 79.4 155.7 196.8 -74.5 16.9
Percent of families with other debt By current occupation of head
12
Percent
10 8 6 4 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2.7 2.8 -0.4 -2.2 -0.4 0.4 -0.9
2010
Technical, sales, or services Retired or other not working
Percent of families with other debt Current occupation of head Year Managerial or Technical, sales, Other professional or services occupation Level (percent) 1989 10.8 5.0 8.3 1992 12.4 7.7 9.8 1995 10.3 10.5 8.6 1998 10.9 10.1 11.2 2001 7.7 7.9 9.0 2004 10.2 7.5 9.6 2007 7.0 7.9 9.7 2010 6.5 7.0 9.9 Three-year change (percentage points) 1992 1.6 1995 -2.1 1998 0.6 2001 -3.2 2004 2.5 2007 -3.2 2010 -0.5
2007
1.5 -1.2 2.6 -2.2 0.6 0.1 0.2
Retired or other not working 3.7 5.5 5.6 4.0 4.7 3.6 3.9 3.9 1.8 0.1 -1.6 0.7 -1.1 0.3 0.0
Median value of other debt for families with holdings By current occupation of head
Thousands of 2010 dollars
10 8 6 4 2 0 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Median value of other debt for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 5.1 3.4 3.4 1992 4.5 4.5 3.8 1995 5.0 2.1 2.5 1998 6.7 5.3 2.7 2001 9.2 2.5 2.5 2004 5.8 3.5 3.5 2007 7.3 4.2 5.0 2010 6.0 3.8 4.0 Year
Three-year change (percent) 1992 -11.8 1995 11.1 1998 34.0 2001 37.3 2004 -37.0 2007 25.9 2010 -17.8
32.4 -53.3 152.4 -52.8 40.0 20.0 -9.5
11.8 -34.2 8.0 -7.4 40.0 42.9 -20.0
Retired or other not working 1.4 3.0 2.8 2.3 3.7 4.6 5.2 4.0 114.3 -6.7 -17.9 60.9 24.3 13.0 -23.1
Mean value of other debt for families with holdings By current occupation of head
Thousands of 2010 dollars
60 50 40 30 20 10 1989
1992
1995
1998 2001 Year
Managerial or professional Other occupation
2004
2007
2010
Technical, sales, or services Retired or other not working
Mean value of other debt for families with holdings Current occupation of head Managerial or Technical, sales, Other professional or services occupation Level (thousands of 2010 dollars) 1989 17.8 18.1 11.7 1992 22.3 9.9 9.0 1995 38.7 14.3 6.8 1998 32.6 29.2 5.8 2001 50.6 7.8 6.9 2004 27.8 11.8 8.1 2007 24.6 14.5 7.5 2010 32.8 10.1 8.6 Year
Three-year change (percent) 1992 25.3 1995 73.5 1998 -15.8 2001 55.2 2004 -45.1 2007 -11.5 2010 33.3
-45.3 44.4 104.2 -73.3 51.3 22.9 -30.3
-23.1 -24.4 -14.7 19.0 17.4 -7.4 14.7
Retired or other not working 9.1 8.1 9.4 59.0 17.8 32.3 20.4 13.7 -11.0 16.0 527.7 -69.8 81.5 -36.8 -32.8
Percent of families with other debt By region
10
Percent
9 8 7 6 5 1989
1992
1995
1998 2001 Year
Northeast West
Year Northeast Level (percent) 1989 5.8 1992 6.8 1995 9.8 1998 7.9 2001 6.7 2004 7.8 2007 5.6 2010 6.6
2004
Midwest
2010
South
Percent of families with other debt Region Midwest South
Three-year change (percentage points) 1992 1.0 1995 3.0 1998 -1.9 2001 -1.2 2004 1.1 2007 -2.2 2010 1.0
2007
West
8.0 9.7 7.4 10.0 7.4 8.6 7.0 5.4
6.1 7.3 8.5 8.8 6.5 6.5 6.9 7.3
7.0 10.3 8.4 8.1 8.7 8.4 7.5 5.9
1.7 -2.3 2.6 -2.6 1.2 -1.6 -1.6
1.2 1.2 0.3 -2.3 0.0 0.4 0.4
3.3 -1.9 -0.3 0.6 -0.3 -0.9 -1.6
Median value of other debt for families with holdings By region
Thousands of 2010 dollars
7 6 5 4 3 2 1989
1992
1995
1998
2001
2004
2007
2010
Year Northeast West
Midwest
South
Median value of other debt for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 3.4 1992 3.0 1995 5.0 1998 2.7 2001 5.5 2004 5.8 2007 6.8 2010 6.0 Three-year change (percent) 1992 -11.8 1995 66.7 1998 -46.0 2001 103.7 2004 5.5 2007 17.2 2010 -11.8
Midwest
South
West
3.4 4.5 2.8 4.0 3.7 4.6 5.2 4.0
3.4 3.0 2.8 3.3 3.1 4.6 4.7 3.4
3.4 4.5 2.3 6.7 3.7 3.5 6.3 5.0
32.4 -37.8 42.9 -7.5 24.3 13.0 -23.1
-11.8 -6.7 17.9 -6.1 48.4 2.2 -27.7
32.4 -48.9 191.3 -44.8 -5.4 80.0 -20.6
Mean value of other debt for families with holdings By region
Thousands of 2010 dollars
40 35 30 25 20 15 10 1989
1992
1995
1998 2001 Year
Northeast West
2004
Midwest
2007
2010
South
Mean value of other debt for families with holdings Region Year Northeast Level (thousands of 2010 dollars) 1989 9.9 1992 16.8 1995 24.9 1998 15.4 2001 41.2 2004 16.0 2007 19.3 2010 21.1 Three-year change (percent) 1992 69.7 1995 48.2 1998 -38.2 2001 167.5 2004 -61.2 2007 20.6 2010 9.3
Midwest
South
West
16.8 12.7 15.9 25.7 13.6 14.4 10.6 15.0
13.0 13.8 18.3 33.0 9.3 18.4 14.8 15.1
17.0 11.1 8.7 26.6 31.2 29.7 21.8 17.8
-24.4 25.2 61.6 -47.1 5.9 -26.4 41.5
6.2 32.6 80.3 -71.8 97.8 -19.6 2.0
-34.7 -21.6 205.7 17.3 -4.8 -26.6 -18.3
Percent of families with other debt By urbanicity
9
Percent
8.5 8 7.5 7 6.5 6 1989
1992
1995
1998 2001 Year
2004
Metropolitan Statistical Area (MSA)
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
Percent of families with other debt Urbanicity Metropolitan Statistical Area (MSA) 6.6 8.3 8.5 9.0 6.9 7.9 6.6 6.5
Three-year change (percentage points) 1992 1.7 1995 0.2 1998 0.5 2001 -2.1 2004 1.0 2007 -1.3 2010 -0.1
2007
2010
Non−MSA
Non-MSA
6.9 8.8 8.2 7.3 9.2 6.4 8.0 6.3 1.9 -0.6 -0.9 1.9 -2.8 1.6 -1.7
Median value of other debt for families with holdings By urbanicity
Thousands of 2010 dollars
5.5 5 4.5 4 3.5 3 1989
1992
1995
1998 2001 Year
Metropolitan Statistical Area (MSA)
2004
2007
Non−MSA
Median value of other debt for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 3.4 1992 4.2 1995 2.8 1998 4.0 2001 3.7 2004 4.6 2007 5.2 2010 5.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
23.5 -33.3 42.9 -7.5 24.3 13.0 -3.8
2010
Non-MSA
4.6 3.0 2.8 4.0 3.1 4.6 5.2 3.0 -34.8 -6.7 42.9 -22.5 48.4 13.0 -42.3
Mean value of other debt for families with holdings By urbanicity
Thousands of 2010 dollars
30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
2004
2007
Metropolitan Statistical Area (MSA)
Non−MSA
Mean value of other debt for families with holdings Urbanicity Year
Metropolitan Statistical Area (MSA) Level (thousands of 2010 dollars) 1989 14.3 1992 14.9 1995 19.0 1998 29.3 2001 24.8 2004 20.8 2007 18.1 2010 18.0 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
4.2 27.5 54.2 -15.4 -16.1 -13.0 -0.6
2010
Non-MSA
14.7 6.5 6.7 7.6 6.9 12.9 8.7 10.6 -55.8 3.1 13.4 -9.2 87.0 -32.6 21.8
Percent of families with other debt By housing status
9.5 9
Percent
8.5 8 7.5 7 6.5 1989
1992
1995
1998 2001 Year
Owner
Year Level (percent) 1989 1992 1995 1998 2001 2004 2007 2010
2004
Renter or other
Percent of families with other debt Housing status Owner 6.8 9.1 8.0 9.3 6.9 7.7 6.8 6.5
Three-year change (percentage points) 1992 2.3 1995 -1.1 1998 1.3 2001 -2.4 2004 0.8 2007 -0.9 2010 -0.3
2007
Renter or other 6.4 7.1 9.4 7.8 7.8 7.3 6.9 6.4 0.7 2.3 -1.6 0.0 -0.5 -0.4 -0.5
2010
Median value of other debt for families with holdings By housing status
Thousands of 2010 dollars
6 5 4 3 2 1 1989
1992
1995
1998
2001
2004
2007
2010
Year Owner
Renter or other
Median value of other debt for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 4.6 1992 4.5 1995 4.2 1998 5.3 2001 4.9 2004 4.6 2007 5.2 2010 5.2 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-2.2 -6.7 26.2 -7.5 -6.1 13.0 0.0
Renter or other 1.2 2.3 2.1 1.7 2.5 3.5 5.2 2.7 91.7 -8.7 -19.0 47.1 40.0 48.6 -48.1
Mean value of other debt for families with holdings By housing status
Thousands of 2010 dollars
35 30 25 20 15 10 5 1989
1992
1995
1998 2001 Year
Owner
2004
2007
Renter or other
Mean value of other debt for families with holdings Housing status Year Owner Level (thousands of 2010 dollars) 1989 17.0 1992 16.9 1995 21.8 1998 36.0 2001 27.2 2004 24.5 2007 18.3 2010 20.9 Three-year change (percent) 1992 1995 1998 2001 2004 2007 2010
-0.6 29.0 65.1 -24.4 -9.9 -25.3 14.2
Renter or other 9.5 5.2 10.2 5.1 11.2 8.1 11.7 8.2 -45.3 96.2 -50.0 119.6 -27.7 44.4 -29.9
2010
Percent of families with other debt By percentile of net worth
14
Percent
12 10 8 6 4 1989
1992
1995 Less than 25 75−89.9
Year Less than 25 Level (percent) 1989 7.6 1992 7.7 1995 9.6 1998 9.3 2001 8.3 2004 6.2 2007 6.7 2010 6.6
1998 2001 Year
2004
25−49.9 90−100
2007 50−74.9
Percent of families with other debt Percentile of net worth 25-49.9 50-74.9 75-89.9 3.5 8.3 9.4 9.2 7.2 9.4 8.2 7.3
Three-year change (percentage points) 1992 0.1 4.8 1995 1.9 1.1 1998 -0.3 -0.2 2001 -1.0 -2.0 2004 -2.1 2.2 2007 0.5 -1.2 2010 -0.1 -0.9
2010
90-100
5.1 7.2 7.0 7.7 7.1 6.9 7.4 6.7
8.7 7.9 8.2 7.6 4.9 7.2 3.8 5.4
12.9 14.1 7.3 10.8 8.2 9.1 6.8 4.5
2.1 -0.2 0.7 -0.6 -0.2 0.5 -0.7
-0.8 0.3 -0.6 -2.7 2.3 -3.4 1.6
1.2 -6.8 3.5 -2.6 0.9 -2.3 -2.3
Median value of other debt for families with holdings By percentile of net worth
Thousands of 2010 dollars
40
30
20
10
0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Median value of other debt for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 1.0 1.5 1992 1.7 2.0 1995 2.1 2.3 1998 2.0 2.7 2001 2.5 1.5 2004 4.6 2.3 2007 5.2 4.1 2010 2.5 2.5 Three-year change (percent) 1992 70.0 1995 23.5 1998 -4.8 2001 25.0 2004 84.0 2007 13.0 2010 -51.9
33.3 15.0 17.4 -44.4 53.3 78.3 -39.0
Percentile of net worth 50-74.9
75-89.9
90-100
2.0 3.8 2.8 6.7 4.9 4.6 5.2 6.0
5.6 7.6 4.2 8.0 8.6 5.8 5.2 10.0
11.8 9.1 13.5 26.7 36.8 23.0 15.7 25.0
90.0 -26.3 139.3 -26.9 -6.1 13.0 15.4
35.7 -44.7 90.5 7.5 -32.6 -10.3 92.3
-22.9 48.4 97.8 37.8 -37.5 -31.7 59.2
Mean value of other debt for families with holdings
Thousands of 2010 dollars
By percentile of net worth
120 100 80 60 40 20 0 1989
1992
1995
1998 2001 Year
Less than 25 75−89.9
2004
25−49.9 90−100
2007
2010
50−74.9
Mean value of other debt for families with holdings Year Less than 25 25-49.9 Level (thousands of 2010 dollars) 1989 6.6 7.1 1992 7.2 4.3 1995 9.7 5.3 1998 17.1 4.5 2001 7.6 5.0 2004 7.6 5.8 2007 11.3 6.3 2010 10.7 5.5 Three-year change (percent) 1992 9.1 1995 34.7 1998 76.3 2001 -55.6 2004 0.0 2007 48.7 2010 -5.3
-39.4 23.3 -15.1 11.1 16.0 8.6 -12.7
Percentile of net worth 50-74.9
75-89.9
90-100
7.5 8.4 9.0 7.8 6.8 11.0 6.7 11.2
8.5 9.5 11.5 26.0 23.4 10.3 22.0 15.7
43.8 44.2 110.5 128.7 124.6 102.8 79.4 107.7
12.0 7.1 -13.3 -12.8 61.8 -39.1 67.2
11.8 21.1 126.1 -10.0 -56.0 113.6 -28.6
0.9 150.0 16.5 -3.2 -17.5 -22.8 35.6
