{"id":1153,"date":"2019-01-14T15:27:00","date_gmt":"2019-01-14T15:27:00","guid":{"rendered":"https:\/\/www.realtrends.com\/blog\/2019\/01\/14\/study-finds-self-employed-feel-lingering-affects-housing-crisis\/"},"modified":"2025-03-13T02:15:51","modified_gmt":"2025-03-13T02:15:51","slug":"study-finds-self-employed-feel-lingering-affects-housing-crisis","status":"publish","type":"post","link":"https:\/\/www.realtrends.com\/blog\/2019\/01\/14\/study-finds-self-employed-feel-lingering-affects-housing-crisis\/","title":{"rendered":"Study Finds the Self-Employed Feel Lingering Affects of Housing Crisis"},"content":{"rendered":"<h2>Study Finds the Self-Employed Feel Lingering Affects of Housing Crisis<\/h2>\n<h6><em>Urban Institute researchers suggest that credit availability is at play.<\/em><\/h6>\n<p>A <a href=\"https:\/\/www.urban.org\/sites\/default\/files\/publication\/99518\/the_continued_impact_of_the_housing_crisis_on_self-employed_households.pdf\" target=\"_blank\" rel=\"noopener\">new study<\/a> from the <a href=\"https:\/\/www.urban.org\/\" target=\"_blank\" rel=\"noopener\">Urban Institute<\/a> indicates that the self-employed have not recovered from the housing crisis to the same extent that salaried employees have. Study authors Karan Kaul, Laurie Goodman, and Jun Zhu used <a href=\"https:\/\/www.census.gov\/programs-surveys\/acs\/\" target=\"_blank\" rel=\"noopener\">American Community Survey<\/a> data to explore how self-employed households have fared compared with salaried households in terms of income, mortgage use, and homeownership rates.<\/p>\n<p><!--more--><\/p>\n<p>Their research show that the self-employed were hit harder during the recession and have been slower to recover.<\/p>\n<p>Even after adjusting for income, the homeownership rate for the self-employed fell more than that for salaried households, indicating that credit availability has been a factor.<\/p>\n<p>In 2016 only 67 percent of self-employed <a href=\"changing-demographics-first-time-homebuyers\/\">homebuyers<\/a> obtained mortgages to finance a home, compared to 74 percent for salaried homebuyers. The researchers hypothesized that this is likely because the self-employed may experience more income volatility and require more documentation to demonstrate income. Compared to pre-2007, self-employed mortgage use declined 13 percentage points compared with 6 percentage points for salaried households.<\/p>\n<p>However, the self-employed are more likely to own homes.<\/p>\n<p>From 2001 to 2007, the homeownership rate for self-employed and salaried households averaged 79.2 percent and 65.8 percent, respectively, a 13.4 percentage-point gap. In 2016, the two groups had homeownership rates of 72.9 percent and 62.7 percent, respectively, a 10.2 percentage-point gap. The homeownership rate fell for both self-employed and salaried households during the downturn, but self-employed households witnessed a bigger drop despite having a higher <a href=\"median-home-prices-increase-q3-2018\/\">median income<\/a>.<\/p>\n<p>All this leads the researchers to conclude that the mortgage industry is not adequately meeting the needs of self-employed households.<\/p>\n<blockquote>\n<p>\u201cThe reality [is] that at any income level, both mortgage use and the homeownership rate for self-employed households have declined more than they have for salaried households,&#8221; write the study authors. &#8220;This suggests that factors beyond income, such as tougher mortgage availability or requirements [of the Consumer Financial Protection Bureau\u2019s qualified mortgage rule] are likely at play.&#8221;<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Study Finds the Self-Employed Feel Lingering Affects of Housing Crisis Urban Institute researchers suggest that credit availability is at play. A new study from the Urban Institute indicates that the self-employed have not recovered from the housing crisis to the same extent that salaried employees have. Study authors Karan Kaul, Laurie Goodman, and Jun Zhu [&hellip;]<\/p>\n","protected":false},"author":15802,"featured_media":4822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3255],"tags":[],"coauthors":[],"class_list":["post-1153","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Study Finds the Self-Employed Feel Lingering Affects of Housing Crisis<\/title>\n<meta name=\"description\" content=\"The homeownership rate fell for both self-employed and salaried households during the downturn, but self-employed households witnessed a bigger drop despite having a higher median income.\" \/>\n<meta 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