The study finds that if minority families owned homes at the same rate as whites of a similar age and income, there would be an additional 3.5 million homeowners today. A major factor contributing to this gap is that minority and lower income famimlies experience continuing, and in many cases growing, inequalities in obtaining the financing necessary to purchase a home.

Updates and enhances the July 1998 study which found upon review of 35 county government programs in high growth regions that Pima County generally had lower expenditures per capita and limited impact fee and affordable housing measures, compared to jurisdictions with similar pressures. This study provides a summary of the recent data and an analysis of how Pima County compares in the areas of expenditues, impact fees, and affordable housing programs in counties in Florida, California, and other Western States.