Closing the Wealth Gap: A Review of Racial and Ethnic Inequalities in Homeownership

Homeownership plays an important role in the socioeconomic well‐being of Americans. Despite recent major losses in wealth due to the subprime market crash, home equity remains the largest source of wealth for the average American family. A marker of class status, owning one's home provides access to neighborhoods with the best schools, quality public services, and lowest crime. This article demonstrates that minorities have not had the same access to homeownership that Whites have, and this contributes to continuing socioeconomic disparities between Whites and minorities. This article explores the homeownership experience of Blacks – including African‐Americans, Caribbeans, and Africans – Hispanics, and Asians in the United States relative to non‐Hispanic Whites. Minorities rely heavily on homeownership and home equity as the key component of their wealth and remain less likely than Whites to hold alternative forms of investment such as stocks. The role that homeownership plays in perpetuating intergenerational wealth disparities between Whites and minorities is discussed as are challenges to minority homeownership such as the pervasiveness of risky mortgage products. Exploring the racial gap in homeownership is fundamental to understanding racial inequalities and formulating strategies and policies to help close such disparities. This article concludes with suggestions for future research.     

NIS interpretations: Race and the National Incidence Studies of Child Abuse and Neglect

The National Incidence Studies (NIS) of Child Abuse and Neglect are the primary estimates of actual child maltreatment rates in the United States. Findings from the NIS-2 of 1986, and the NIS-3, of 1993, have been presented as demonstrating that Blacks and Whites are maltreated at equal rates. The NIS-4, using 2006 data, was presented as showing markedly different findings from the prior NIS studies with regard to race. A supplementary NIS-4 report on race argued that differences between the NIS-3 and NIS-4 were due to better precision and an expanding income gap between Blacks and Whites between 1993 and 2006. This paper will demonstrate that the NIS-2 and NIS-3 did not, as is commonly believed, show equivalence between Black and White maltreatment rates and that the NIS-2, NIS-3 and NIS-4 do not differ markedly in their racial findings. Further, the large historical increase in the Black/White income gap cited in the NIS-4 race supplement derives from a simple failure to account for inflation. If left unaddressed, misinterpretations of NIS data will continue to misinform policy, cloud the issue of racial bias in the child welfare system and obscure the ongoing role of concentrated poverty in driving racial disproportionality.     

Can Family Relationships Explain the Race Paradox in Mental Health?

Biomedical research consistently finds that Blacks have worse physical health than Whites, an expected pattern given Blacks' greater exposure to psychosocial stress, poverty, and discrimination. Yet there is surprising lack of consensus regarding race differences in mental health, with most scholars finding similar or better mental health outcomes among Blacks than Whites. Past research often attributes this “race paradox in mental health” to the notion that Blacks have stronger family networks than Whites, yet few studies have explicitly tested whether stronger family relationships among Blacks (if they exist) can account for these findings. Using data from the 2003–2005 National Survey of American Life (N = 4,259) revealed that minimal race differences in family relationships fail to explain the race paradox in mental health. The results have implications for mental health measurement, the provision of culturally appropriate mental health care, and how scholars understand the nature of family relationships among Black Americans.     

Still Life in Black and White: Effects of Racial and Class Attitudes on Prospects for Residential Integration in Atlanta

I use the 1993 Atlanta Survey of Urban Inequality to evaluate the effects of five types of racial and class attitudes on assessments of the desirability of residential integration: (1) preferences for neighbors of the same race, (2) perceived racial differences in social class characteristics, (3) Whites'perceptions of group threat from Blacks, (4) Blacks'perceptions of discrimination, and (5) negative racial stereotypes. For Whites the strongest predictors of resistance to integration are negative racial stereotypes and perceptions of group threat from Blacks. For Blacks in-group preferences, negative racial stereotypes and, to a small extent, beliefs that Whites tend to discriminate against other groups are positively associated with resistance to integration. I conclude by arguing that since racial attitudes are linked to attitudes about residential integration, open housing advocates should focus their efforts on addressing persistent racial mistrusts and prejudices.     

Work–family conflict among Black,White, and Hispanic men and women

Are there racial/ethnic differences in work–family conflict? Using a nationally representative survey of Americans, we analyze differences in work–family conflict among Blacks, Whites, and Hispanics and then utilize an intersectional approach, disaggregating men and women within each racial/ethnic group. Using structural equation modeling, we find that the usual predictors of conflict – family and work characteristics – have varied effects on work–family conflict among men and women of different racial/ethnic groups. Nonstandard schedules were uniformly linked to increased work-to-family conflict among all respondents, regardless of subgroup. Our findings reveal the merits of intersectional approaches, and suggest the need for theoretical models of the work–family interface that better reflect the experiences of men and women of color.     

Marriage,Work, and Racial Inequalities in Poverty: Evidence From the United States

This article explores recent racial and ethnic inequalities in poverty, estimating the share of racial poverty differentials that can be explained by variation in family structure and workforce participation. The authors use logistic regression to estimate the association between poverty and race, family structure, and workforce participation. They then decompose between‐race differences in poverty risk to quantify how racial disparities in marriage and work explain observed inequalities in the log odds of poverty. They estimate that 47.7% to 48.9% of Black–White differences in poverty risk can be explained by between‐group variance in these two factors, while only 4.3% to 4.5% of the Hispanic–White differential in poverty risk can be explained by these variables. The findings underscore the continued but varied association between racial disparities in poverty and labor and marriage markets. Clear racial differences in the origin of poverty suggest that policy interventions will not have uniformly effective impacts on poverty reduction.     

Cognitive skills and Black–White wages in the United States labor market

Using data from the National Longitudinal Survey of Youth (NLSY), this study analyzes the effects of cognitive skills on the wages of Whites and African Americans in white and blue collar occupations. The results show that cognitive skills, net of education, are important predictors of wages across all occupations. Mathematics skills, in particular contribute to significant wage premiums for workers in white and blue-collar occupations, with the exception of Blacks in blue-collar professions. English skills lead to significant wage premiums only for Blacks in blue-collar occupations. While the incorporation of cognitive skills narrows the Black-White wage gap considerably, the effects of skills on the wages of Blacks and Whites are far from uniform. The results also show that despite using detailed controls for the quality of education, an extra year of schooling yields the highest wage premium for Whites in all occupations.     

Latina Students

SUMMARY

Latina students have the highest high school dropout rate of all racial and ethnic groups. This article has three objectives: provide a brief overview of educational trends for Latina students, discuss factors associated with their educational trajectory and suggest strategies for change based on best practice wisdom. Results show that academic disparities between Latina students and other racial/ethnic female students begin as early as kindergarten and remain through age 17; achievement is compromised by a variety of factors, including family responsibilities, family poverty, lack of participation in preschool, attendance at poor quality elementary and high schools, placement into lower-track classes, poor self-image, limited neighborhood resources, lack of presence of role models and gender role attitudes. These disparities contribute to psychosocial issues and are not directly associated with Latino cultural assets, as Latino cultural capital has not been easily translated into social capital in U.S. society. Economic and social change must precede educational change if academic disparities between Latinas and other racial and ethnic girls are to be decreased.     

Racial differences in health and health care service utilization in later life: the effect of socioeconomic status.

In this paper we examine the hypothesis that health differences between Blacks and Whites in later life are related to socioeconomic status. Using the 1984 panel of the Survey of Income and Program Participation, we construct four measures of health and two measures of health care service utilization. Multivariate analyses show that the racial differences are eliminated in some measures of health and health care service utilization after holding constant individual-level socioeconomic characteristics and resources. However, even after accounting for differences in socioeconomic status, Black self-rated health is poorer than that of Whites. Further, Blacks report more visits to medical personnel but do not report higher rates of hospitalization when levels of health and economic resources are controlled. Additional analyses suggest that the impact of socioeconomic status on health is different for Blacks than for Whites.     

The Economic Organization of Extended Family Households by Race or Ethnicity and Socioeconomic Status

This study examines differences in the amount of economic support or mutual benefit derived from extended family living arrangements by studying differences in monetary contributions to essential household expenditures across family units in extended family households. Using the 2008 Survey of Income and Program Participation, multivariate regression and selection models are estimated to assess racial differences in family contributions toward household expenses in extended family households. Extended family households have very unequal monetary contributions toward household rent and utilities, although Hispanics have less unequal monetary contributions when compared with other racial groups. Hispanic and Asian extended family households experience decreasing inequality in financial contributions as the income of each family increases, whereas no relationship between financial contributions and income is found for Whites or Blacks. This suggests a different cultural orientation to extended family living arrangements for Asians and Hispanics when compared with non‐Hispanic Whites.     

A Comparison of Sanctions in African American and White TANF Leavers

In this study the authors explore racial disparities in the uses of sanctions and the different impact of sanctions on the economic well-being of African American and White TANF leavers. The study analyzed 907 African American and 1,336 White welfare leavers from the 1999 and 2002 data of the NSAF. Chi-square results show that sanctions are more significantly imposed to African Americans than Whites. On the other hand, regression results show that the impact of sanctions on the employment and family income of African Americans and Whites are comparable. Implications suggest that states need to have an appropriate sanction process, training programs for caseworkers, or other policy changes to reduce the racial disparities.     

The role of marriage in explaining racial and ethnic disparities in access to health care for men in the US

Reducing disparities in access to health care is a long-standing objective of the federal government. Building on research showing that marriage can provide important resources for obtaining needed health care, we suggest that racial and ethnic differences in marriage could explain persistent disparities in access. Using data from MEPS and NLSY we investigate the association between marriage and access to health care among men, and estimate the extent to which racial and ethnic differences in both the returns to marriage and marital rates explain differences in access and preventive service use. We find that marriage accounts for up to 24 % of racial and ethnic differences in access and preventive use. The returns to marriage for whites and blacks, however, are greater than that for Hispanics. We suggest that differences in spousal characteristics such as education and income could explain why whites and blacks benefit from marriage more than Hispanics. We find support for this hypothesis: differences in spousal characteristics account for up to 37 % of the gap in access and preventive use among married adults.     

Mommy markets: Racial differences in lesbians' dating preferences for women with children

Recent work shows that race is a critical factor in shaping sexual identities, partner preference, and family formation, suggesting there may be racial differences in whether lesbians already have children at the time that they look for companions. In this study, we draw on a sample of 1,923 lesbians on Match.com to quantitatively test whether there are racial differences in dating preferences for women with children, underscoring implications for family inequality through racial differences in who has children when looking for a partner. We find that Blacks, Latinas, and Asians are more likely than Whites to not only have children but also be open to dating other women with children. This suggests that race differentially structures lesbians' openness to partners with children, and such preferences may be a possible mechanism for racial stratification.     

Disproportionality in education and employment outcomes of adult foster care alumni

Racial similarities and disparities in the education and employment of 134 African American and 574 White adults placed in foster care as children were examined. Logistic regression was used to compare differences among these young adult alumni who were served by a voluntary foster care agency in 23 U.S. communities. When controlling for demographic background, risk factors, and foster care experiences, race/ethnicity was a significant factor only in the increased odds of White alumni having income at or above poverty level, three times poverty level, and home/apartment ownership compared to African Americans.     

Social Background Differences in Early Family Behavior

Social background has historically been recognized as a major factor influencing family behavior, though recent work has largely emphasized racial/ethnic influences. Here we use 1994 – 1995 and 2001 – 2002 Add Health data to examine the cohabitation, first marriage, and first birth experience of young women. In a multistate life table context, hypothetical cohorts specified in terms of race and mother’s education are followed, from age 11 to age 24, as they move through 6 family‐related statuses. The results indicate that, for both Black and White women, a higher level of maternal education is generally associated with less cohabitation, less marriage, fewer first births, and a higher percentage of women who experience none of those transitions before age 24. Racial and social background differences are conceptually and empirically distinct. Because mother’s education is associated with substantially different trajectories of early family behavior for both Blacks and Whites, we argue that social background merits increased attention in research on contemporary American family patterns.     

Hierarchy within the Black Community in Terms of Skin Tone

Racial hierarchy not only existed between the Whites and the Blacks,but also among the Blacks.And the racial hierarchy within the black community operated mainly in terms of skin tone,because black culture adopted the Whites’standards of beauty.And this thesis will make an analysis of the hierarchy within the black community in terms of skin tone.     

School and Family Correlates of Positive Affect in a Nationally Representative Sample of US Adolescents

Research on psychological wellbeing has received far less attention than mental illness and has created a gap in our understanding of positive mental health. This research is even more sparse among adolescents. The present study examined the correlates of one measure of psychological wellbeing, positive affect, in the adolescent population. Two dimensions of school support (teacher–student relationship and student engagement) and family support (family communication and family closeness) were examined. Because previous studies suggest these correlates may be affected by race and gender, analysis was conducted in the total sample and in disaggregated subpopulations. A nationally representative sample of US adolescents (n?=?10,148) from the National Comorbidity Survey—Adolescent Supplement was analyzed in this study. Structural equation models were used for analysis. Latinos reported significantly lower positive affect than Whites. Males reported higher levels of positive affect than females. Blacks and Latinos reported lower perceptions of family communication than Whites and higher school emotional support than Whites. Females reported lower family communication, lower family closeness, and higher school support than males. Analysis revealed that among the total sample, all dimensions of school and family support measured were correlates of positive affect. When the total sample was divided by gender and race there were marked differences in the relationship between school and family support across subpopulations. Males and Whites most closely resembled the total sample while the relationship between dimensions of school and family support were distinct for females and racial ethnic minorities. This study provides an examination of how psychosocial mechanisms operate similarly and differently across adolescent subgroups. In line with other studies, findings provide evidence of differences by race and gender. This study is relevant to social workers because the findings have implications for both assessment and intervention.     

Race, Class, and Family Structure: Differences in Housing Values for Black and White Homeowners

Several scholars have argued that the continuing disadvantage of Blacks vis-à-vis Whites has more to do with social class factors than with race. Other scholars have suggested that differences in family structure account for Black disadvantage. This study addresses these issues in terms of housing values by analyzing (1) the effects of race on housing values net of socioeconomic status and other relevant demographic variables, (2) the interaction of race with socioeconomic status in determining housing values, (3) the interaction of race with household structure in determining housing values and, (4) changes in the relative impact of race on housing values from 1970 to 1990. The findings indicate that Blacks own homes of lower value regardless of their socioeconomic status or household structure. Additionally, the negative effect of race was greater for Blacks of higher status. However, there was a stronger negative association between race and housings values in 1970 than in 1980 or 1990, providing some evidence for a narrowing of the Black-White gap in housing values. Implications of the findings are discussed.     

Racial variation in reaction to physical stigma: a study of degree of disturbance by vitiligo among black and white patients.

The effect of race on reaction to impaired appearance is explored in a sample of 158 patients with vitiligo, a disfiguring skin disease. Blacks and Whites do not differ in degree of disturbance by the disorder. Psychological coping resources and variables related to negative labeling of the stigma are associated with variation in degree of disturbance. Self-esteem and perceived stigmatization are associated significantly with degree of disturbance among both Blacks and Whites. Gender, age, and visibility of the condition are not related to difference in degree of disturbance within either race, although there is some evidence that they may have an indirect relationship to degree of disturbance. Importance of appearance is associated with degree of disturbance for Whites only, because of the threat of the depigmentation induced by vitiligo to the racial identity of Blacks. The implications of these findings for theory and practice are discussed.     

Cross-cultural perspectives on illness and wellness: Implications for depression

The purpose of this research is to determine the relationships among race, socioeconomic status (SES) and depressive symptomatology. Contrary to the findings of over 20 years of psychiatric epidemiology, two research teams have recently reported that Blacks, primarily those of low SES, are significantly more depressed than Whites occupying the same status. Using the same epidemiologic field survey data as one of these research groups (Whites=1,648; Blacks=450), the issues of race, SES, and depression are reopened for examination. Depressive symptomatology was measured by the Florida Health Study Depression Scale. The findings indicated that, in general, Blacks had significantly higher levels of depressive symptomatology than Whites. However, these differences were eliminated once SES, a composite of occupational status, education, and household income, was statistically controlled. Race, in other words, was not found to be an independent predictor of depression. The author concludes that poverty is hazardous to one's psychological well-being and that race, by itself, is merely a proxy for socioeconomic status. In addition, methodological issues associated with the conceptualization and operationalization of socioeconomic status and mental health constructs such as depression are explored.Paper presented at the Conference on Multicultural Perspectives on Mental Illness, May 1994, St. John's University.