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Table 1. Renter Households by Income Category Areas with Larger Renter Populations Third Federal Reserve District* State New Jersey (part) Pennsylvania (part) Metropolitan Statistical Area Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (part) County Philadelphia, PA Renter Households Extremely Low Income (0-30% MFI) Compared to 2005 2005 2010 26% 28% ↑ Very Low Income (31-50% MFI) Compared to 2005 2005 2010 18% 18% −− Low Income (51-80% MFI) Compared to 2005 2005 2010 22% 21% −− 261,755 1,074,715 25% 26% 29% 28% ↑ ↑ 17% 18% 18% 18% −− −− 23% 21% 21% 22% ↓ −− 683,094 29% 31% ↑ 17% 17% −− 21% 20% −− 264,416 40% 43% 18% 16% 17% 2008-10 2005-07 2008-10 −− Compared to 2005-07 18% 2005-07 −− Compared to 2005-07 2005-07 2008-10 −− Compared to 2005-07 88,571 23% 25% −− 17% 21% ↑ 23% 20% −− 75,269 67,729 57,198 79,586 27% 21% 20% 23% 26% 26% 21% 24% −− ↑ −− −− 18% 20% 20% 23% 21% 15% 18% 20% ↑ ↓ −− ↓ 24% 23% 22% 20% 24% 25% 22% 21% −− −− −− −− 59,542 58,225 57,198 81,951 57,980 30% 25% 20% 17% 26% 32% 26% 21% 19% 27% −− −− −− −− −− 18% 19% 20% 17% 17% 18% 18% 18% 16% 21% −− −− −− −− ↑ 20% 21% 22% 21% 24% 20% 23% 22% 22% 21% −− −− −− −− ↓ 2010 1,425,843 Areas with Mid-Size Renter Populations State Delaware Metropolitan Statistical Area Allentown-Bethlehem-Easton, PA-NJ (part) Harrisburg-Carlisle, PA Lancaster, PA Scranton--Wilkes-Barre, PA (with Columbia Co) County Camden, NJ Delaware, PA Lancaster, PA Montgomery, PA New Castle, DE 2008-10 Areas with Smaller Renter Populations Metropolitan Statistical Area Altoona, PA Atlantic City-Hammonton, NJ Dover, DE Johnstown, PA (part) Lebanon, PA Ocean City, NJ Reading, PA State College, PA Trenton-Ewing, NJ Vineland-Millville-Bridgeton, NJ Williamsport, PA York-Hanover, PA County Adams/Franklin, PA Atlantic, NJ Bedford/Fulton/Huntingdon, PA Berks, PA Blair, PA Bradford/Sullivan/Tioga, PA 2006-10 2006-10 2006-10 2006-10 14,128 30,172 15,595 14,058 13,278 11,724 41,664 22,085 41,423 16,338 13,732 39,318 23% 26% 22% 26% 22% 22% 24% 33% 31% 27% 22% 25% 26% 19% 17% 25% 17% 21% 20% 19% 18% 22% 23% 20% 21% 23% 17% 23% 25% 24% 24% 19% 20% 19% 22% 25% 23,420 30,172 9,621 41,664 14,128 10,873 19% 26% 24% 24% 23% 24% 17% 19% 19% 20% 26% 19% 27% 23% 21% 24% 21% 22% Table 1. Renter Households by Income Category Areas with Smaller Renter Populations County Bucks, PA Burlington, NJ Cambria, PA (part) Cameron/Elk/McKean/Potter, PA Cape May, NJ Carbon/Lehigh, PA Centre, PA Chester, PA Clearfield/Jefferson, PA Clinton/Juniata/Mifflin/Snyder/Union, PA Columbia/Luzerne, PA Cumberland, NJ Cumberland/Perry, PA Dauphin, PA Gloucester/Salem, NJ Kent, DE Lackawanna/Wyoming, PA Lebanon, PA Lycoming, PA Mercer, NJ Monroe, PA Montour/Northumberland, PA Northampton, PA Ocean, NJ Pike/Susquehanna/Wayne, PA Schuylkill, PA Sussex, DE York, PA Renter Households Extremely Low Income (0-30% MFI) Very Low Income (31-50% MFI) Low Income (51-80% MFI) 2006-10 2006-10 2006-10 2006-10 20% 19% 26% 22% 22% 28% 33% 19% 22% 19% 25% 27% 19% 27% 32% 22% 23% 22% 22% 31% 21% 22% 24% 26% 28% 26% 21% 25% 17% 15% 25% 19% 21% 20% 19% 15% 25% 20% 22% 22% 17% 19% 18% 17% 21% 17% 23% 18% 19% 25% 19% 19% 22% 23% 21% 20% 24% 22% 23% 22% 24% 23% 19% 23% 22% 25% 21% 19% 26% 22% 20% 17% 22% 25% 22% 20% 21% 24% 26% 23% 21% 22% 22% 25% 48,933 34,704 14,058 9,764 11,724 46,392 22,085 41,236 11,781 18,980 46,707 16,338 29,330 37,410 25,682 15,595 31,533 13,278 13,732 41,423 11,261 12,504 27,114 39,068 10,794 13,606 15,245 39,318 *Estimates include Jefferson County, PA, which is not part of the Third Federal Reserve District, and exclude a portion of Cambria County, PA. Refer to the methodology for a full explanation. Statistical Significance Note: Current one- and three-year estimates are compared to prior estimates to determine if they are significantly higher (↑) or lower (↓) at the 90 percent confidence level. "−−" suggests no statistically significant change. Geographic Note: Some area names are followed by (part) in this table. In most cases, this identifies states and MSAs that are only partially contained within the Third Federal Reserve District. For these geographies, estimates reflect data from Third District counties only. In addition to these cases, a portion of Cambria County, PA, and its associated metro area (Johnstown) are also excluded from this analysis. Refer to the methodology for a full explanation. Source: Analysis of the American Community Survey Public Use Microdata Sample housing files performed by the Community Development Studies and Education Department of the Federal Reserve Bank of Philadelphia. Table 2. Percent of Renter Households Spending More Than 30 Percent of Income on Gross Rent (including utilities) Areas with Larger Renter Populations Third Federal Reserve District* State New Jersey (part) Pennsylvania (part) Metropolitan Statistical Area Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (part) County Philadelphia, PA Areas with Mid-Size Renter Populations State Delaware Metropolitan Statistical Area Allentown-Bethlehem-Easton, PA-NJ (part) Harrisburg-Carlisle, PA Lancaster, PA Scranton--Wilkes-Barre, PA (with Columbia Co) County Camden, NJ Delaware, PA Lancaster, PA Montgomery, PA New Castle, DE Areas with Smaller Renter Populations Metropolitan Statistical Area Altoona, PA Atlantic City-Hammonton, NJ Dover, DE Johnstown, PA (part) Lebanon, PA Ocean City, NJ Reading, PA State College, PA Trenton-Ewing, NJ Vineland-Millville-Bridgeton, NJ Williamsport, PA York-Hanover, PA County Adams/Franklin, PA Atlantic, NJ Bedford/Fulton/Huntingdon, PA Berks, PA Blair, PA Bradford/Sullivan/Tioga, PA Extremely Low Income (0-30% MFI) Compared to 2005 2005 2010 83% 85% −− Very Low Income (31-50% MFI) Compared to 2005 2005 2010 72% 77% ↑ Low Income (51-80% MFI) Compared to 2005 2005 2010 35% 45% ↑ All Renter Households Compared to 2005 2005 2010 44% 50% ↑ 83% 83% 85% 85% −− −− 78% 70% 83% 75% ↑ ↑ 46% 31% 58% 42% ↑ ↑ 47% 43% 56% 49% ↑ ↑ 87% 85% −− 77% 81% ↑ 39% 46% ↑ 49% 53% ↑ 85% 83% 74% 77% 41% 57% 2005-07 2008-10 2005-07 2008-10 ↑ Compared to 2005-07 54% 2008-10 −− Compared to 2005-07 29% 2005-07 −− Compared to 2005-07 2005-07 2008-10 −− Compared to 2005-07 86% 86% −− 76% 81% −− 41% 47% −− 44% 50% ↑ 83% 78% 88% 81% 82% 83% 89% 85% −− −− −− −− 72% 73% 69% 62% 74% 72% 82% 65% −− −− ↑ −− 32% 23% 27% 27% 39% 30% 37% 35% ↑ ↑ ↑ ↑ 44% 38% 40% 40% 48% 40% 44% 43% −− −− ↑ ↑ 85% 91% 88% 85% 84% 86% 89% 89% 85% 87% −− −− −− −− −− 77% 76% 69% 84% 81% 83% 82% 82% 84% 84% −− −− ↑ −− −− 41% 32% 27% 47% 36% 42% 36% 37% 52% 45% −− −− ↑ −− ↑ 49% 46% 40% 43% 45% 53% 50% 44% 44% 52% ↑ −− ↑ −− ↑ 2006-10 2006-10 2006-10 2006-10 76% 80% 86% 66% 80% 83% 86% 95% 81% 81% 88% 85% 66% 76% 76% 60% 68% 71% 71% 73% 74% 83% 67% 70% 27% 66% 57% 28% 43% 51% 33% 35% 37% 70% 38% 27% 42% 54% 48% 39% 42% 47% 45% 54% 48% 56% 43% 42% 85% 80% 75% 86% 76% 84% 63% 76% 60% 71% 66% 55% 26% 66% 18% 33% 27% 32% 35% 54% 35% 45% 42% 40% Table 2. Percent of Renter Households Spending More Than 30 Percent of Income on Gross Rent (including utilities) Areas with Smaller Renter Populations County Bucks, PA Burlington, NJ Cambria, PA (part) Cameron/Elk/McKean/Potter, PA Cape May, NJ Carbon/Lehigh, PA Centre, PA Chester, PA Clearfield/Jefferson, PA Clinton/Juniata/Mifflin/Snyder/Union, PA Columbia/Luzerne, PA Cumberland, NJ Cumberland/Perry, PA Dauphin, PA Gloucester/Salem, NJ Kent, DE Lackawanna/Wyoming, PA Lebanon, PA Lycoming, PA Mercer, NJ Monroe, PA Montour/Northumberland, PA Northampton, PA Ocean, NJ Pike/Susquehanna/Wayne, PA Schuylkill, PA Sussex, DE York, PA Extremely Low Income (0-30% MFI) Very Low Income (31-50% MFI) Low Income (51-80% MFI) All Renter Households 2006-10 2006-10 2006-10 2006-10 88% 91% 66% 92% 83% 86% 95% 87% 84% 80% 84% 81% 86% 79% 85% 86% 82% 80% 88% 81% 95% 81% 79% 85% 81% 74% 87% 85% 83% 86% 60% 63% 71% 72% 73% 64% 62% 65% 65% 83% 71% 75% 76% 76% 63% 68% 67% 74% 74% 57% 79% 84% 61% 56% 75% 70% 51% 55% 28% 36% 51% 34% 35% 46% 24% 33% 30% 70% 22% 31% 42% 57% 33% 43% 38% 37% 47% 34% 38% 65% 27% 29% 50% 27% 47% 48% 39% 41% 47% 48% 54% 40% 40% 38% 43% 56% 35% 43% 51% 48% 41% 42% 43% 48% 44% 41% 46% 58% 43% 39% 48% 42% *Estimates include Jefferson County, PA, which is not part of the Third Federal Reserve District, and exclude a portion of Cambria County, PA. Refer to the methodology for a full explanation. Statistical Significance Note: Current one- and three-year estimates are compared to prior estimates to determine if they are significantly higher (↑) or lower (↓) at the 90 percent confidence level. "−−" suggests no statistically significant change. Geographic Note: Some area names are followed by (part) in this table. In most cases, this identifies states and MSAs that are only partially contained within the Third Federal Reserve District. For these geographies, estimates reflect data from Third District counties only. In addition to these cases, a portion of Cambria County, PA, and its associated metro area (Johnstown) are also excluded from this analysis. Refer to the methodology for a full explanation. Source: Analysis of the American Community Survey Public Use Microdata Sample housing files performed by the Community Development Studies and Education Department of the Federal Reserve Bank of Philadelphia. Table 3. Percent of Renter Households Spending More Than 50 Percent of Income on Gross Rent (including utilities) Areas with Larger Renter Populations Third Federal Reserve District* State New Jersey (part) Pennsylvania (part) Metropolitan Statistical Area Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (part) County Philadelphia, PA Areas with Mid-Size Renter Populations State Delaware Metropolitan Statistical Area Allentown-Bethlehem-Easton, PA-NJ (part) Harrisburg-Carlisle, PA Lancaster, PA Scranton--Wilkes-Barre, PA (with Columbia Co) County Camden, NJ Delaware, PA Lancaster, PA Montgomery, PA New Castle, DE Areas with Smaller Renter Populations Metropolitan Statistical Area Altoona, PA Atlantic City-Hammonton, NJ Dover, DE Johnstown, PA (part) Lebanon, PA Ocean City, NJ Reading, PA State College, PA Trenton-Ewing, NJ Vineland-Millville-Bridgeton, NJ Williamsport, PA York-Hanover, PA County Adams/Franklin, PA Atlantic, NJ Bedford/Fulton/Huntingdon, PA Berks, PA Blair, PA Bradford/Sullivan/Tioga, PA Extremely Low Income (0-30% MFI) Compared to 2005 2005 2010 71% 73% ↑ Very Low Income (31-50% MFI) Compared to 2005 2005 2010 23% 33% ↑ Low Income (51-80% MFI) Compared to 2005 2005 2010 5% 7% ↑ All Renter Households Compared to 2005 2005 2010 24% 29% ↑ 72% 70% 72% 74% −− ↑ 29% 22% 45% 31% ↑ ↑ 5% 5% 13% 6% ↑ −− 25% 24% 32% 28% ↑ ↑ 76% 74% −− 24% 34% ↑ 5% 8% ↑ 28% 31% ↑ 75% 72% 19% 28% 4% 36% 2005-07 2008-10 2005-07 2008-10 −− Compared to 2005-07 35% 2008-10 ↑ Compared to 2005-07 5% 2005-07 −− Compared to 2005-07 2005-07 2008-10 −− Compared to 2005-07 74% 73% −− 29% 30% −− 4% 6% −− 23% 26% ↑ 59% 62% 73% 66% 69% 68% 77% 69% ↑ −− −− −− 19% 14% 24% 19% 29% 21% 35% 25% ↑ ↑ ↑ −− 4% 2% 2% 4% 4% 3% 4% 4% −− −− −− −− 21% 17% 20% 21% 25% 22% 24% 23% ↑ ↑ ↑ −− 68% 81% 73% 74% 74% 72% 76% 77% 77% 76% −− −− −− −− −− 21% 31% 24% 33% 26% 26% 27% 35% 40% 24% −− −− ↑ −− −− 2% 6% 2% 7% 3% 5% 5% 4% 10% 4% −− −− −− −− −− 25% 28% 20% 20% 24% 29% 26% 24% 23% 27% ↑ −− ↑ ↑ −− 2006-10 2006-10 2006-10 2006-10 62% 66% 74% 53% 60% 61% 73% 88% 67% 63% 81% 72% 22% 46% 47% 17% 20% 40% 23% 30% 26% 51% 25% 20% 3% 10% 7% 2% 3% 10% 4% 5% 2% 15% 0% 2% 20% 29% 26% 19% 18% 24% 24% 36% 26% 31% 23% 22% 70% 66% 64% 73% 62% 67% 22% 46% 21% 23% 22% 15% 3% 10% 4% 4% 3% 1% 19% 29% 20% 24% 20% 20% Table 3. Percent of Renter Households Spending More Than 50 Percent of Income on Gross Rent (including utilities) Areas with Smaller Renter Populations County Bucks, PA Burlington, NJ Cambria, PA (part) Cameron/Elk/McKean/Potter, PA Cape May, NJ Carbon/Lehigh, PA Centre, PA Chester, PA Clearfield/Jefferson, PA Clinton/Juniata/Mifflin/Snyder/Union, PA Columbia/Luzerne, PA Cumberland, NJ Cumberland/Perry, PA Dauphin, PA Gloucester/Salem, NJ Kent, DE Lackawanna/Wyoming, PA Lebanon, PA Lycoming, PA Mercer, NJ Monroe, PA Montour/Northumberland, PA Northampton, PA Ocean, NJ Pike/Susquehanna/Wayne, PA Schuylkill, PA Sussex, DE York, PA Extremely Low Income (0-30% MFI) Very Low Income (31-50% MFI) Low Income (51-80% MFI) All Renter Households 2006-10 2006-10 2006-10 2006-10 78% 81% 53% 75% 61% 68% 88% 77% 68% 57% 66% 63% 68% 63% 68% 74% 67% 60% 81% 67% 86% 63% 62% 75% 74% 53% 65% 72% 37% 40% 17% 13% 40% 25% 30% 35% 21% 20% 21% 51% 15% 16% 29% 47% 22% 20% 25% 26% 39% 19% 28% 55% 23% 19% 31% 20% 6% 9% 2% 5% 10% 3% 5% 7% 2% 2% 3% 15% 1% 4% 2% 7% 3% 3% 0% 2% 11% 3% 5% 15% 3% 2% 11% 2% 24% 24% 19% 20% 24% 25% 36% 22% 21% 16% 22% 31% 16% 21% 27% 26% 21% 18% 23% 26% 28% 20% 22% 34% 26% 19% 23% 22% *Estimates include Jefferson County, PA, which is not part of the Third Federal Reserve District, and exclude a portion of Cambria County, PA. Refer to the methodology for a full explanation. Statistical Significance Note: Current one- and three-year estimates are compared to prior estimates to determine if they are significantly higher (↑) or lower (↓) at the 90 percent confidence level. "−−" suggests no statistically significant change. Geographic Note: Some area names are followed by (part) in this table. In most cases, this identifies states and MSAs that are only partially contained within the Third Federal Reserve District. For these geographies, estimates reflect data from Third District counties only. In addition to these cases, a portion of Cambria County, PA, and its associated metro area (Johnstown) are also excluded from this analysis. Refer to the methodology for a full explanation. Source: Analysis of the American Community Survey Public Use Microdata Sample housing files performed by the Community Development Studies and Education Department of the Federal Reserve Bank of Philadelphia. Table 4. Ratio of Affordable Rental Units for Every 100 Renter Households & Surplus/Deficit of Affordable Rental Units** Affordable at 0-30% MFI Areas with Larger Renter Populations Third Federal Reserve District* State New Jersey (part) Pennsylvania (part) Metropolitan Statistical Area Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (part) County Philadelphia, PA Areas with Mid-Size Renter Populations State Delaware Metropolitan Statistical Area Allentown-Bethlehem-Easton, PA-NJ (part) Harrisburg-Carlisle, PA Lancaster, PA Scranton--Wilkes-Barre, PA (with Columbia Co) County Camden, NJ Delaware, PA Lancaster, PA Montgomery, PA New Castle, DE Areas with Smaller Renter Populations Metropolitan Statistical Area Altoona, PA Atlantic City-Hammonton, NJ Dover, DE Johnstown, PA (part) Lebanon, PA Ocean City, NJ Reading, PA State College, PA Trenton-Ewing, NJ Vineland-Millville-Bridgeton, NJ Williamsport, PA York-Hanover, PA County Adams/Franklin, PA Atlantic, NJ Bedford/Fulton/Huntingdon, PA Berks, PA Blair, PA Bradford/Sullivan/Tioga, PA Affordable at 0-50% MFI Surplus/ Deficit (2010) -163,867 2005 121 2010 91 Compared to 2005 ↓ Affordable at 0-80% MFI Surplus/ Deficit (2010) -57,018 2005 152 2010 137 Compared to 2005 ↓ Surplus/ Deficit (2010) 354,268 2005 72 2010 59 Compared to 2005 ↓ 63 75 56 61 −− ↓ -33,601 -118,787 89 129 63 99 ↓ ↓ -45,044 -3,352 144 152 120 139 ↓ ↓ 35,461 288,778 57 51 ↓ -103,992 104 83 ↓ -55,998 148 135 ↓ 162,178 56 53 −− 112 94 ↓ 128 ↓ 2008-10 Compared to 2005-07 2005-07 2008-10 Compared to 2005-07 -8,916 Surplus/ Deficit (2008-10) 137 2005-07 -53,290 Surplus/ Deficit (2008-10) 2005-07 2008-10 Compared to 2005-07 55,359 Surplus/ Deficit (2008-10) 68 61 −− -8,759 109 89 ↓ -4,651 159 149 ↓ 28,888 69 90 68 102 62 70 54 85 −− ↓ ↓ ↓ -7,423 -5,287 -5,627 -2,810 115 155 129 146 93 130 110 129 ↓ ↓ ↓ ↓ -2,393 8,526 2,334 10,083 143 163 158 153 139 157 152 150 −− −− −− −− 20,516 25,325 18,239 25,967 60 52 68 63 53 53 46 54 50 45 −− −− ↓ ↓ −− -9,022 -8,308 -5,627 -7,649 -8,589 Surplus/ Deficit (2006-10) 98 113 129 91 103 75 104 110 85 84 ↓ −− ↓ −− ↓ -7,585 1,051 2,334 -4,192 -4,330 Surplus/ Deficit (2006-10) 146 155 158 163 159 133 145 152 152 152 ↓ −− −− ↓ −− 13,814 17,722 18,239 24,110 20,782 Surplus/ Deficit (2006-10) 2006-10 2006-10 2006-10 95 67 74 130 81 99 63 40 56 62 80 65 -168 -2,637 -894 1,072 -565 -19 -3,806 -4,383 -5,637 -1,718 -595 -3,421 133 70 87 145 160 103 113 89 90 67 125 132 2,242 -4,114 -802 3,221 3,137 153 2,516 -1,234 -1,982 -2,664 1,540 5,518 144 124 152 138 157 147 146 136 142 128 153 146 4,268 4,926 4,512 3,953 4,901 3,694 13,365 5,641 11,940 3,170 4,812 12,623 93 67 135 63 95 114 -299 -2,637 811 -3,806 -168 379 158 70 175 113 133 150 4,950 -4,114 3,139 2,516 2,242 2,303 156 124 158 146 144 158 8,263 4,926 3,557 13,365 4,268 4,101 Table 4. Ratio of Affordable Rental Units for Every 100 Renter Households & Surplus/Deficit of Affordable Rental Units** Affordable at 0-30% MFI Areas with Smaller Renter Populations County Bucks, PA Burlington, NJ Cambria, PA (part) Cameron/Elk/McKean/Potter, PA Cape May, NJ Carbon/Lehigh, PA Centre, PA Chester, PA Clearfield/Jefferson, PA Clinton/Juniata/Mifflin/Snyder/Union, PA Columbia/Luzerne, PA Cumberland, NJ Cumberland/Perry, PA Dauphin, PA Gloucester/Salem, NJ Kent, DE Lackawanna/Wyoming, PA Lebanon, PA Lycoming, PA Mercer, NJ Monroe, PA Montour/Northumberland, PA Northampton, PA Ocean, NJ Pike/Susquehanna/Wayne, PA Schuylkill, PA Sussex, DE York, PA 2006-10 51 51 130 112 99 58 40 63 118 124 86 62 79 76 60 74 92 81 80 56 63 126 67 55 91 110 109 65 Surplus/ Deficit (2006-10) -4,759 -3,155 1,072 247 -19 -5,512 -4,383 -2,853 469 858 -1,620 -1,718 -1,173 -2,367 -3,223 -894 -549 -565 -595 -5,637 -876 732 -2,194 -4,572 -271 340 286 -3,421 Affordable at 0-50% MFI 2006-10 80 63 145 163 103 97 89 94 141 159 139 67 161 132 83 87 129 160 125 90 91 152 99 52 122 148 113 132 Surplus/ Deficit (2006-10) Affordable at 0-80% MFI 2006-10 -3,544 -4,362 3,221 2,526 153 -672 -1,234 -880 2,250 4,416 8,471 -2,664 6,491 5,423 -2,213 -802 3,980 3,137 1,540 -1,982 -406 3,081 -63 -8,442 1,197 3,198 834 5,518 Surplus/ Deficit (2006-10) 150 142 138 165 147 138 136 146 145 155 147 128 160 159 144 152 153 157 153 142 150 148 139 105 136 142 138 146 14,870 8,271 3,953 3,954 3,694 12,570 5,641 10,822 3,662 6,785 15,090 3,170 10,908 14,970 7,892 4,512 10,971 4,901 4,812 11,940 3,394 4,305 7,284 1,452 2,792 4,042 3,694 12,623 *Estimates include Jefferson County, PA, which is not part of the Third Federal Reserve District, and exclude a portion of Cambria County, PA. Refer to the methodology for a full explanation. **Assumes that housing costs (rent plus utilities) should consume no more than 30 percent of household income. A ratio below 100 and a corresponding negative number in the surplus/deficit column indicate that there are fewer affordable rental units in a particular income category than there are renter households in the same category. A ratio higher than 100 and a positive value in the surplus/deficit column indicate a greater number of affordable rental units than renter households in an income category. Statistical Significance Note: Current one- and three-year estimates are compared to prior estimates to determine if they are significantly higher (↑) or lower (↓) at the 90 percent confidence level. "−−" suggests no statistically significant change. Geographic Note: Some area names are followed by (part) in this table. In most cases, this identifies states and MSAs that are only partially contained within the Third Federal Reserve District. For these geographies, estimates reflect data from Third District counties only. In addition to these cases, a portion of Cambria County, PA, and its associated metro area (Johnstown) are also excluded from this analysis. Refer to the methodology for a full explanation. Source: Analysis of the American Community Survey Public Use Microdata Sample housing files performed by the Community Development Studies and Education Department of the Federal Reserve Bank of Philadelphia. Table 5. Ratio of Affordable and Available Rental Units for Every 100 Renter Households & Surplus/Deficit of Affordable and Available Rental Units** Areas with Larger Renter Populations Third Federal Reserve District* State New Jersey (part) Pennsylvania (part) Metropolitan Statistical Area Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (part) County Philadelphia, PA Areas with Mid-Size Renter Populations State Delaware Metropolitan Statistical Area Allentown-Bethlehem-Easton, PA-NJ (part) Harrisburg-Carlisle, PA Lancaster, PA Scranton--Wilkes-Barre, PA (with Columbia Co) County Camden, NJ Delaware, PA Lancaster, PA Montgomery, PA New Castle, DE Areas with Smaller Renter Populations Metropolitan Statistical Area Altoona, PA Atlantic City-Hammonton, NJ Dover, DE Johnstown, PA (part) Lebanon, PA Ocean City, NJ Reading, PA State College, PA Trenton-Ewing, NJ Vineland-Millville-Bridgeton, NJ Williamsport, PA York-Hanover, PA County Adams/Franklin, PA Atlantic, NJ Bedford/Fulton/Huntingdon, PA Berks, PA Blair, PA Bradford/Sullivan/Tioga, PA Affordable and available at 0-30% MFI Surplus/ Compared Deficit 2005 2010 to 2005 (2010) 40 34 ↓ -265,729 Affordable and available at 0-50% MFI Surplus/ Compared Deficit 2005 2010 to 2005 (2010) 75 60 ↓ -263,336 Affordable and available at 0-80% MFI Surplus/ Compared Deficit 2005 2010 to 2005 (2010) 107 101 ↓ 12,792 35 41 34 34 −− ↓ -49,795 -200,389 59 79 44 64 ↓ ↓ -69,009 -178,192 103 108 91 103 ↓ ↓ -16,178 21,079 35 34 −− -139,908 72 59 ↓ -133,991 109 102 ↓ 11,043 41 40 −− 83 72 ↓ 105 ↓ 2008-10 Compared to 2005-07 2005-07 2008-10 Compared to 2005-07 -44,410 Surplus/ Deficit (2008-10) 112 2005-07 -68,647 Surplus/ Deficit (2008-10) 2005-07 2008-10 Compared to 2005-07 10,367 Surplus/ Deficit (2008-10) 34 37 −− -14,131 70 64 ↓ -14,702 110 110 −− 5,875 41 52 27 49 37 41 27 41 −− ↓ −− −− -12,308 -10,428 -8,939 -11,265 73 87 69 83 64 74 63 74 ↓ ↓ −− ↓ -12,784 -7,362 -8,362 -9,204 104 112 103 107 105 110 99 103 −− −− ↓ ↓ 2,757 4,499 -340 1,354 42 26 27 31 31 36 26 27 26 32 −− −− −− −− −− -12,251 -11,333 -8,939 -11,338 -10,675 Surplus/ Deficit (2006-10) 70 70 69 51 71 53 65 63 53 64 ↓ −− −− −− ↓ -13,997 -9,144 -8,362 -13,268 -10,118 Surplus/ Deficit (2006-10) 105 110 103 105 115 99 107 99 98 113 ↓ −− ↓ ↓ −− -572 2,872 -340 -778 5,355 Surplus/ Deficit (2006-10) 2006-10 2006-10 2006-10 46 44 40 63 46 48 31 18 38 42 32 33 -1,741 -4,425 -2,066 -1,334 -1,582 -1,348 -7,033 -6,003 -7,925 -2,602 -2,047 -6,523 83 53 54 93 84 70 73 53 66 51 69 76 -1,163 -6,397 -2,790 -514 -833 -1,476 -5,003 -5,474 -6,876 -3,977 -1,875 -4,143 105 95 100 105 105 109 106 100 109 97 106 106 501 -950 34 490 443 715 1,777 -1 2,502 -325 537 1,591 33 44 50 31 46 45 -3,026 -4,425 -1,169 -7,033 -1,741 -1,446 73 53 94 73 83 82 -2,289 -6,397 -254 -5,003 -1,163 -849 102 95 105 106 105 109 347 -950 297 1,777 501 640 Table 5. Ratio of Affordable and Available Rental Units for Every 100 Renter Households & Surplus/Deficit of Affordable and Available Rental Units** Areas with Smaller Renter Populations County Bucks, PA Burlington, NJ Cambria, PA (part) Cameron/Elk/McKean/Potter, PA Cape May, NJ Carbon/Lehigh, PA Centre, PA Chester, PA Clearfield/Jefferson, PA Clinton/Juniata/Mifflin/Snyder/Union, PA Columbia/Luzerne, PA Cumberland, NJ Cumberland/Perry, PA Dauphin, PA Gloucester/Salem, NJ Kent, DE Lackawanna/Wyoming, PA Lebanon, PA Lycoming, PA Mercer, NJ Monroe, PA Montour/Northumberland, PA Northampton, PA Ocean, NJ Pike/Susquehanna/Wayne, PA Schuylkill, PA Sussex, DE York, PA Affordable and available at 0-30% MFI Surplus/ Deficit 2006-10 (2006-10) 26 22 63 53 48 36 18 28 47 44 41 42 35 48 38 40 46 46 32 38 19 54 42 31 38 54 46 33 -7,208 -5,084 -1,334 -1,003 -1,348 -8,484 -6,003 -5,526 -1,408 -2,054 -6,965 -2,602 -3,664 -5,195 -5,057 -2,066 -3,848 -1,582 -2,047 -7,925 -1,881 -1,304 -3,856 -7,116 -1,858 -1,620 -1,772 -6,523 Affordable and available at 0-50% MFI Surplus/ Deficit 2006-10 (2006-10) 49 37 93 88 70 66 53 52 83 82 79 51 78 82 57 54 75 84 69 66 48 96 62 35 70 86 74 76 Affordable and available at 0-80% MFI Surplus/ Deficit 2006-10 (2006-10) -9,224 -7,372 -514 -485 -1,476 -7,578 -5,474 -6,690 -932 -1,331 -4,589 -3,977 -2,333 -3,082 -5,432 -2,790 -3,460 -833 -1,875 -6,876 -2,317 -247 -4,411 -11,408 -1,604 -937 -1,703 -4,143 105 95 105 109 109 105 100 94 105 105 105 97 104 114 108 100 105 105 106 109 97 111 102 79 100 103 99 106 1,418 -1,009 490 581 715 1,635 -1 -1,483 419 668 1,675 -325 767 3,478 1,517 34 978 443 537 2,502 -201 1,001 352 -5,433 34 296 -82 1,591 *Estimates include Jefferson County, PA, which is not part of the Third Federal Reserve District, and exclude a portion of Cambria County, PA. Refer to the methodology for a full explanation. **Assumes that housing costs (rent plus utilities) should consume no more than 30 percent of household income. A ratio below 100 and a corresponding negative number in the surplus/deficit column indicate that there are fewer affordable and available rental units in a particular income category than there are renter households in the same category. A ratio higher than 100 and a positive value in the surplus/deficit column indicate a greater number of affordable and available rental units than renter households in an income category. Statistical Significance Note: Current one- and three-year estimates are compared to prior estimates to determine if they are significantly higher (↑) or lower (↓) at the 90 percent confidence level. "−−" suggests no statistically significant change. Geographic Note: Some area names are followed by (part) in this table. In most cases, this identifies states and MSAs that are only partially contained within the Third Federal Reserve District. For these geographies, estimates reflect data from Third District counties only. In addition to these cases, a portion of Cambria County, PA, and its associated metro area (Johnstown) are also excluded from this analysis. Refer to the methodology for a full explanation. Source: Analysis of the American Community Survey Public Use Microdata Sample housing files performed by the Community Development Studies and Education Department of the Federal Reserve Bank of Philadelphia. Table 6. Percent of Renter Households with Incomplete Kitchen/Plumbing Facilities or Crowded** Areas with Larger Renter Populations Third Federal Reserve District* State New Jersey (part) Pennsylvania (part) Metropolitan Statistical Area Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (part) County Philadelphia, PA Extremely Low Income (0-30% MFI) Compared to 2008 2008 2010 6% 7% ↑ Very Low Income (31-50% MFI) Compared to 2008 2008 2010 5% 8% ↑ Low Income (51-80% MFI) Compared to 2008 2008 2010 4% 6% −− All Renter Households Compared to 2008 2008 2010 5% 6% ↑ 7% 5% 8% 7% −− ↑ 7% 5% 11% 7% ↑ ↑ 6% 4% 6% 6% −− ↑ 6% 4% 7% 5% −− ↑ 6% 8% ↑ 5% 10% ↑ 3% 5% −− 4% 6% ↑ 5% 8% ↑ 6% 9% −− 2% 4% −− 5% 6% −− Areas with Mid-Size Renter Populations State Delaware Metropolitan Statistical Area Allentown-Bethlehem-Easton, PA-NJ (part) Harrisburg-Carlisle, PA Lancaster, PA Scranton--Wilkes-Barre, PA (with Columbia Co) County Camden, NJ Delaware, PA Lancaster, PA Montgomery, PA New Castle, DE 2008-10 2008-10 2008-10 2008-10 9% 9% 5% 6% 6% 5% 7% 2% 6% 3% 8% 4% 5% 5% 4% 4% 5% 4% 4% 3% 9% 5% 7% 8% 9% 8% 4% 8% 7% 9% 6% 3% 4% 5% 4% 7% 4% 4% 5% 6% Areas with Smaller Renter Populations Metropolitan Statistical Area Altoona, PA Atlantic City-Hammonton, NJ Dover, DE Johnstown, PA (part) Lebanon, PA Ocean City, NJ Reading, PA State College, PA Trenton-Ewing, NJ Vineland-Millville-Bridgeton, NJ Williamsport, PA York-Hanover, PA County Adams/Franklin, PA Atlantic, NJ Bedford/Fulton/Huntingdon, PA Berks, PA Blair, PA Bradford/Sullivan/Tioga, PA 2006-10 2006-10 2006-10 2006-10 3% 6% 5% 2% 6% 9% 8% 9% 7% 8% 10% 5% 3% 6% 4% 2% 7% 0% 6% 5% 5% 12% 3% 6% 7% 8% 2% 4% 5% 0% 4% 4% 9% 9% 3% 4% 4% 7% 3% 2% 6% 4% 5% 6% 6% 8% 4% 4% 8% 6% 3% 8% 3% 6% 8% 6% 2% 6% 3% 2% 4% 8% 5% 4% 7% 7% 5% 7% 3% 5% 4% 5% Table 6. Percent of Renter Households with Incomplete Kitchen/Plumbing Facilities or Crowded** Areas with Smaller Renter Populations County Bucks, PA Burlington, NJ Cambria, PA (part) Cameron/Elk/McKean/Potter, PA Cape May, NJ Carbon/Lehigh, PA Centre, PA Chester, PA Clearfield/Jefferson, PA Clinton/Juniata/Mifflin/Snyder/Union, PA Columbia/Luzerne, PA Cumberland, NJ Cumberland/Perry, PA Dauphin, PA Gloucester/Salem, NJ Kent, DE Lackawanna/Wyoming, PA Lebanon, PA Lycoming, PA Mercer, NJ Monroe, PA Montour/Northumberland, PA Northampton, PA Ocean, NJ Pike/Susquehanna/Wayne, PA Schuylkill, PA Sussex, DE York, PA Extremely Low Income (0-30% MFI) Very Low Income (31-50% MFI) Low Income (51-80% MFI) All Renter Households 2006-10 2006-10 2006-10 2006-10 5% 5% 2% 4% 9% 3% 9% 7% 5% 7% 2% 8% 2% 5% 3% 5% 3% 6% 10% 7% 1% 8% 7% 8% 4% 2% 5% 5% 4% 7% 2% 2% 0% 5% 5% 11% 5% 3% 3% 12% 5% 5% 5% 4% 6% 7% 3% 5% 9% 4% 8% 17% 3% 1% 8% 6% 2% 3% 4% 4% 0% 3% 4% 6% 5% 4% 4% 9% 3% 6% 6% 2% 6% 5% 3% 9% 5% 1% 7% 10% 3% 3% 12% 4% 3% 3% 2% 3% 4% 3% 6% 6% 4% 4% 3% 8% 3% 5% 4% 3% 4% 6% 4% 6% 3% 3% 6% 9% 3% 2% 7% 4% *Estimates include Jefferson County, PA, which is not part of the Third Federal Reserve District, and exclude a portion of Cambria County, PA. Refer to the methodology for a full explanation. **A unit has an incomplete kitchen if it is missing a sink with a faucet, a stove/range, or a refrigerator. Plumbing facilities are considered incomplete if the unit does not have hot and cold running water, a flush toilet, or a bathtub/shower. A unit is considered crowded if it contains more than one person per room. Statistical Significance Note: Current one-year estimates are compared to prior estimates to determine if they are significantly higher (↑) or lower (↓) at the 90 percent confidence level. "−−" suggests no statistically significant change. Geographic Note: Some area names are followed by (part) in this table. In most cases, this identifies states and MSAs that are only partially contained within the Third Federal Reserve District. For these geographies, estimates reflect data from Third District counties only. In addition to these cases, a portion of Cambria County, PA, and its associated metro area (Johnstown) are also excluded from this analysis. Refer to the methodology for a full explanation. Source: Analysis of the American Community Survey Public Use Microdata Sample housing files performed by the Community Development Studies and Education Department of the Federal Reserve Bank of Philadelphia.