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.

A comprehensive review of over 100 city or county budgets. Many of these governmental entities have service populations in the general order of magnitude similar to Pima County, and some have experienced similar trends in population growth. Given the comparisons that have been made, Pima County's per capita expenditure is among the lowest of other high growth counties with a similar population base.