AFF Table

Subject	Percent of owner-occupied housing units with a mortgage	MOE
Owner-occupied housing units with a mortgage	2,164,381	+/-38351
VALUE
Less than $50,000	9.1	+/-0.7
$50,000 to $99,999	27.5	+/-0.9
$100,000 to $149,999	21.2	+/-0.7
$150,000 to $199,999	15.7	+/-0.8
$200,000 to $299,999	13.7	+/-0.6
$300,000 to $499,999	9.5	+/-0.5
$500,000 or more	3.4	+/-0.4
Median (dollars)	131,075	+/-2106

MORTGAGE STATUS
With either a second mortgage, or home equity loan, but not both	23.5	+/-0.8
Second mortgage only	4.9	+/-0.4
Home equity loan only	18.6	+/-0.7
Both second mortgage and home equity loan	1.0	+/-0.2
No second mortgage and no home equity loan	75.4	+/-0.8

HOUSEHOLD INCOME IN THE PAST 12 MONTHS (IN 2004 INFLATION-ADJUSTED DOLLARS)
Less than $10,000	2.7	+/-0.4
$10,000 to $24,999	8.4	+/-0.5
$25,000 to $34,999	8.8	+/-0.6
$35,000 to $49,999	15.1	+/-0.6
$50,000 to $74,999	25.2	+/-0.8
$75,000 to $99,999	17.2	+/-0.7
$100,000 to $149,999	14.7	+/-0.7
$150,000 or more	7.9	+/-0.5
Median household income (dollars)	63,977	+/-1313

RATIO OF VALUE TO HOUSEHOLD INCOME IN THE PAST 12 MONTHS
Less than 2.0	45.5	+/-0.9
2.0 to 2.9	24.9	+/-0.7
3.0 to 3.9	12.0	+/-0.6
4.0 or more	17.3	+/-0.7
Not computed	0.4	+/-0.2

MONTHLY HOUSING COSTS
Less than $200	0.1	+/-0.1
$200 to $299	0.4	+/-0.1
$300 to $399	1.5	+/-0.3
$400 to $499	2.9	+/-0.5
$500 to $599	5.0	+/-0.3
$600 to $699	7.4	+/-0.6
$700 to $799	8.2	+/-0.5
$800 to $899	8.5	+/-0.5
$900 to $999	8.1	+/-0.6
$1,000 to $1,249	17.4	+/-0.8
$1,250 to $1,499	13.1	+/-0.7
$1,500 to $1,999	15.0	+/-0.7
$2,000 or more	12.4	+/-0.5
Median (dollars)	1,114	+/-15

MONTHLY HOUSING COSTS AS A PERCENTAGE OF HOUSEHOLD INCOME IN THE PAST 12 MONTHS
Less than $20,000	7.2	+/-0.6
Less than 20 percent	0.0	+/-0.1
20 to 29 percent	0.2	+/-0.1
30 percent or more	6.9	+/-0.6
$20,000 to $34,999	12.4	+/-0.7
Less than 20 percent	0.8	+/-0.1
20 to 29 percent	2.8	+/-0.4
30 percent or more	8.8	+/-0.6
$35,000 to $49,999	15.1	+/-0.6
Less than 20 percent	3.4	+/-0.3
20 to 29 percent	6.1	+/-0.5
30 percent or more	5.7	+/-0.5
$50,000 to $74,999	25.2	+/-0.8
Less than 20 percent	10.2	+/-0.6
20 to 29 percent	10.0	+/-0.6
30 percent or more	5.0	+/-0.4
$75,000 or more	39.7	+/-1.1
Less than 20 percent	26.6	+/-1.0
20 to 29 percent	10.7	+/-0.5
30 percent or more	2.5	+/-0.3
Zero or negative income	0.4	+/-0.2

REAL ESTATE TAXES
Less than $800	11.9	+/-0.6
$800 to $1,499	23.9	+/-0.7
$1,500 or more	63.4	+/-1.0
No real estate taxes paid	0.8	+/-0.2
Median (dollars)	1,981	+/-33

PERCENT IMPUTED
Mortgage status	39.8	(X)

Source: U.S. Census Bureau, 2004 American Community Survey

Data are based on a sample and are subject to sampling variability. The degree of uncertainty for an estimate arising from sampling variability is represented through the use of a margin of error. The value shown here is the 90 percent margin of error. The margin of error can be interpreted roughly as providing a 90 percent probability that the interval defined by the estimate minus the margin of error and the estimate plus the margin of error (the lower and upper confidence bounds) contains the true value. In addition to sampling variability, the ACS estimates are subject to nonsampling error (for a discussion of nonsampling variability, see Accuracy of the Data). The effect of nonsampling error is not represented in these tables.

Explanation of Symbols:

1. An '*' entry in the margin of error column indicates that too few sample observations were available to compute a standard error and thus the margin of error. A statistical test is not appropriate.

2. An '**' entry in the margin of error column indicates that no sample observations were available to compute a standard error and thus the margin of error. A statistical test is not appropriate.

3. An '-' entry in the estimate column indicates that no sample observations were available to compute an estimate, or a ratio of medians cannot be calculated because one or both of the median estimates falls in the lowest interval or upper interval of an open-ended distribution.

4. An '-' following a median estimate means the median falls in the lowest interval of an open-ended distribution.

5. An '+' following a median estimate means the median falls in the upper interval of an open-ended distribution.

6. An '***' entry in the margin of error column indicates that the median falls in the lowest interval or upper interval of an open-ended distribution. A statistical test is not appropriate.

7. An '*****' entry in the margin of error column indicates that the estimate is controlled. A statistical test for sampling variability is not appropriate.

8. An 'N' entry in the estimate and margin of error columns indicates that data for this geographic area cannot be displayed because the number of sample cases is too small.

9. An '(X)' means that the estimate is not applicable or not available.

Prepared By: The Pennsylvania State Data Center 02/1/2006