2007 scf chartbook - federal reserve scf chart… · 2007 -0.4. 60 65 70 75 80 85 thousands of 2007...
TRANSCRIPT
2007 SCF Chartbook
This file contains time series charts using triennial SCF data covering theperiod 1989 to 2007. The income, asset, and liability variables includedare ones that appeared in the tables in “Changes in U.S. Family Financesfrom 2004 to 2007: Evidence from the Survey of Consumer Finances” byBrian K. Bucks, Arthur B. Kennickell, Traci L. Mach, and Kevin B. Moore,Federal Reserve Bulletin (February 2009), pp. A1–A55; variable definitionsare given in that article. These variables are analyzed separately for allfamilies and by a variety of characteristics, such as age and income groups.For each variable and classification group, the charts show the percent offamilies in the group who have the item and the median and mean amountsof holdings for those who have any. Users should be aware that unlike thetables published in the Bulletin article, the charts include estimates for cellswith fewer than eleven observations, a sample size deemed insufficient forrobust estimates (see tables to identify which variables and groups areaffected). All dollar estimates are given in 2007 dollars.
June 15, 2009
95
96
97
98
99
100P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with before−tax family income
Percent of families with before-tax family incomeYear All families
Level (percent)1989 100.01992 100.01995 100.01998 100.02001 100.02004 100.02007 100.0
Three-year change (percentage points)1992 0.01995 0.01998 0.02001 0.02004 0.02007 0.0
38
40
42
44
46
48
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 41.41992 38.61995 41.51998 42.62001 46.72004 47.52007 47.3
Three-year change (percent)1992 -6.81995 7.51998 2.72001 9.62004 1.72007 -0.4
60
65
70
75
80
85
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 65.31992 57.91995 60.31998 67.72001 79.52004 77.72007 84.3
Three-year change (percent)1992 -11.31995 4.11998 12.32001 17.42004 -2.32007 8.5
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with before−tax family income
Percent of families with before-tax family incomePercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 100.0 100.0 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0 0.0 0.0
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 10.1 23.5 41.4 65.5 95.7 167.91992 9.8 23.0 38.6 61.1 91.3 155.81995 9.3 23.8 41.5 61.6 92.8 152.21998 10.5 25.8 42.6 67.8 100.6 166.32001 12.0 28.5 46.7 75.8 115.4 198.32004 12.2 28.2 47.5 74.9 115.1 203.02007 12.3 28.8 47.3 75.1 114.0 206.9
Three-year change (percent)1992 -3.0 -2.1 -6.8 -6.7 -4.6 -7.21995 -5.1 3.5 7.5 0.8 1.6 -2.31998 12.9 8.4 2.7 10.1 8.4 9.32001 14.3 10.5 9.6 11.8 14.7 19.22004 1.7 -1.1 1.7 -1.2 -0.3 2.42007 0.8 2.1 -0.4 0.3 -1.0 1.9
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 9.6 23.6 41.7 65.8 98.4 273.61992 9.5 23.0 39.3 62.6 92.9 217.61995 9.0 23.7 40.7 62.6 94.1 237.01998 10.1 25.7 43.3 69.1 101.3 279.52001 11.7 28.2 47.1 76.2 114.7 354.12004 11.9 28.6 47.7 76.0 117.0 331.92007 12.3 28.3 47.3 76.6 116.0 397.7
Three-year change (percent)1992 -1.0 -2.5 -5.8 -4.9 -5.6 -20.51995 -5.3 3.0 3.6 0.0 1.3 8.91998 12.2 8.4 6.4 10.4 7.7 17.92001 15.8 9.7 8.8 10.3 13.2 26.72004 1.7 1.4 1.3 -0.3 2.0 -6.32007 3.4 -1.0 -0.8 0.8 -0.9 19.8
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with before−tax family income
Percent of families with before-tax family incomeAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 100.0 100.0 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0 0.0 0.0
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 33.6 58.8 62.1 42.5 26.0 22.21992 35.6 51.9 60.4 43.0 25.9 19.91995 34.6 51.8 54.4 45.7 26.0 21.71998 34.9 53.6 64.5 49.1 31.0 21.32001 39.1 60.1 63.7 52.9 32.5 26.22004 36.1 54.9 67.1 59.8 36.6 26.02007 37.4 56.6 64.2 54.6 39.0 22.8
Three-year change (percent)1992 6.0 -11.7 -2.7 1.2 -0.4 -10.41995 -2.8 -0.2 -9.9 6.3 0.4 9.01998 0.9 3.5 18.6 7.4 19.2 -1.82001 12.0 12.1 -1.2 7.7 4.8 23.02004 -7.7 -8.7 5.3 13.0 12.6 -0.82007 3.6 3.1 -4.3 -8.7 6.6 -12.3
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 44.8 79.5 97.2 76.7 53.4 40.71992 43.9 67.5 82.1 71.8 41.9 33.81995 42.2 65.9 89.4 72.9 50.6 35.91998 46.0 76.4 88.9 91.4 59.5 37.22001 51.7 90.2 109.0 101.7 68.0 43.02004 49.6 81.1 103.6 110.2 65.6 44.92007 51.7 83.7 112.4 111.2 92.4 45.7
Three-year change (percent)1992 -2.0 -15.1 -15.5 -6.4 -21.5 -17.01995 -3.9 -2.4 8.9 1.5 20.8 6.21998 9.0 15.9 -0.6 25.4 17.6 3.62001 12.4 18.1 22.6 11.3 14.3 15.62004 -4.1 -10.1 -5.0 8.4 -3.5 4.42007 4.2 3.2 8.5 0.9 40.9 1.8
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with before−tax family income
Percent of families with before-tax family incomeFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 100.0 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0 0.0
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 22.2 28.8 16.7 60.8 52.11992 20.1 28.8 17.7 59.9 49.01995 22.4 30.4 17.6 58.6 51.51998 23.2 31.0 21.3 66.3 54.22001 26.5 33.7 19.8 73.0 60.22004 28.2 31.8 23.4 72.2 64.32007 28.8 33.9 24.6 71.6 61.7
Three-year change (percent)1992 -9.5 0.0 6.0 -1.5 -6.01995 11.4 5.6 -0.6 -2.2 5.11998 3.6 2.0 21.0 13.1 5.22001 14.2 8.7 -7.0 10.1 11.12004 6.4 -5.6 18.2 -1.1 6.82007 2.1 6.6 5.1 -0.8 -4.0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 31.5 49.8 28.3 83.4 89.31992 30.5 38.6 27.4 81.1 71.41995 28.4 36.0 30.0 81.8 79.01998 32.3 39.3 33.3 92.0 88.92001 34.4 47.2 38.1 109.7 100.52004 36.0 43.2 37.4 108.8 102.12007 42.1 47.2 36.6 113.1 115.0
Three-year change (percent)1992 -3.2 -22.5 -3.2 -2.8 -20.01995 -6.9 -6.7 9.5 0.9 10.61998 13.7 9.2 11.0 12.5 12.52001 6.5 20.1 14.4 19.2 13.02004 4.7 -8.5 -1.8 -0.8 1.62007 16.9 9.3 -2.1 4.0 12.6
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with before−tax family income
Percent of families with before-tax family incomeEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0
20
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 21.9 36.4 47.0 67.21992 17.8 34.5 40.1 65.31995 19.7 35.2 41.5 61.81998 19.8 37.2 45.2 70.02001 19.8 39.7 47.9 79.42004 21.3 39.3 45.1 80.52007 22.2 36.7 45.6 78.2
Three-year change (percent)1992 -18.7 -5.2 -14.7 -2.81995 10.7 2.0 3.5 -5.41998 0.5 5.7 8.9 13.32001 0.0 6.7 6.0 13.42004 7.6 -1.0 -5.8 1.42007 4.2 -6.6 1.1 -2.9
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 31.4 48.1 65.5 114.81992 25.2 43.5 53.6 94.81995 28.3 47.3 54.8 96.51998 27.6 47.1 64.7 109.02001 29.4 52.4 64.9 136.42004 28.5 49.2 61.6 129.12007 31.3 51.1 68.1 143.8
Three-year change (percent)1992 -19.7 -9.6 -18.2 -17.41995 12.3 8.7 2.2 1.81998 -2.5 -0.4 18.1 13.02001 6.5 11.3 0.3 25.12004 -3.1 -6.1 -5.1 -5.42007 9.8 3.9 10.6 11.4
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with before−tax family income
Percent of families with before-tax family incomeRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 100.0 100.01992 100.0 100.01995 100.0 100.01998 100.0 100.02001 100.0 100.02004 100.0 100.02007 100.0 100.0
Three-year change (percentage points)1992 0.0 0.01995 0.0 0.01998 0.0 0.02001 0.0 0.02004 0.0 0.02007 0.0 0.0
25
30
35
40
45
50
55
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 48.7 23.51992 44.5 26.71995 44.7 26.81998 48.6 29.72001 52.9 30.12004 54.3 32.72007 51.8 36.8
Three-year change (percent)1992 -8.6 13.61995 0.4 0.41998 8.7 10.82001 8.8 1.32004 2.6 8.62007 -4.6 12.5
40
50
60
70
80
90
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 74.9 37.11992 64.0 39.41995 66.3 39.51998 75.4 42.32001 90.0 47.62004 88.6 49.42007 96.9 53.7
Three-year change (percent)1992 -14.6 6.21995 3.6 0.31998 13.7 7.12001 19.4 12.52004 -1.6 3.82007 9.4 8.7
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with before−tax family income
Percent of families with before-tax family incomeCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 51.7 60.5 23.4 11.81992 49.9 65.0 22.0 16.31995 49.8 51.2 22.7 15.21998 51.6 67.1 24.5 14.82001 55.3 74.1 24.6 19.32004 54.1 73.3 26.8 22.62007 56.6 75.7 24.7 20.4
Three-year change (percent)1992 -3.5 7.4 -6.0 38.11995 -0.2 -21.2 3.2 -6.71998 3.6 31.1 7.9 -2.62001 7.2 10.4 0.4 30.42004 -2.2 -1.1 8.9 17.12007 4.6 3.3 -7.8 -9.7
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 66.0 148.8 38.3 22.51992 63.4 110.3 33.2 30.21995 65.4 108.1 37.9 24.41998 68.2 139.2 42.0 27.72001 78.8 161.8 46.8 42.62004 77.0 155.5 47.5 41.02007 83.1 191.8 51.1 35.4
Three-year change (percent)1992 -3.9 -25.9 -13.3 34.21995 3.2 -2.0 14.2 -19.21998 4.3 28.8 10.8 13.52001 15.5 16.2 11.4 53.82004 -2.3 -3.9 1.5 -3.82007 7.9 23.3 7.6 -13.7
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with before−tax family income
Percent of families with before-tax family incomeCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 75.9 40.3 48.7 20.21992 71.2 42.4 43.0 20.11995 72.0 41.5 46.8 21.51998 77.5 39.1 47.8 22.62001 83.2 42.1 48.1 24.22004 84.8 41.1 49.6 26.22007 85.4 44.2 49.4 23.8
Three-year change (percent)1992 -6.2 5.2 -11.7 -0.51995 1.1 -2.1 8.8 7.01998 7.6 -5.8 2.1 5.12001 7.4 7.7 0.6 7.12004 1.9 -2.4 3.1 8.32007 0.7 7.5 -0.4 -9.2
40
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 119.9 64.7 57.1 35.01992 106.6 54.6 52.0 32.51995 110.4 58.0 54.3 35.21998 123.1 59.7 54.2 39.72001 146.4 62.3 57.3 46.12004 140.9 58.3 55.6 46.52007 156.1 67.6 57.9 48.7
Three-year change (percent)1992 -11.1 -15.6 -8.9 -7.11995 3.6 6.2 4.4 8.31998 11.5 2.9 -0.2 12.82001 18.9 4.4 5.7 16.12004 -3.8 -6.4 -3.0 0.92007 10.8 16.0 4.1 4.7
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with before−tax family income
Percent of families with before-tax family incomeRegion
Year Northeast Midwest South WestLevel (percent)
1989 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0
35
40
45
50
55
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 47.0 40.2 35.3 48.71992 48.1 41.8 34.1 38.31995 41.5 42.3 38.4 42.91998 45.2 41.9 40.2 46.12001 48.3 51.3 42.1 47.62004 55.9 49.6 40.6 50.72007 51.4 44.2 42.9 51.9
Three-year change (percent)1992 2.3 4.0 -3.4 -21.41995 -13.7 1.2 12.6 12.01998 8.9 -0.9 4.7 7.52001 6.9 22.4 4.7 3.32004 15.7 -3.3 -3.6 6.52007 -8.1 -10.9 5.7 2.4
50
60
70
80
90
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 75.0 68.1 55.8 68.31992 67.0 59.7 49.3 61.41995 66.6 61.5 55.8 60.61998 77.6 62.4 63.0 72.72001 90.9 75.7 71.8 86.62004 96.1 74.1 68.0 81.92007 100.4 74.9 79.3 88.7
Three-year change (percent)1992 -10.7 -12.3 -11.6 -10.11995 -0.6 3.0 13.2 -1.31998 16.5 1.5 12.9 20.02001 17.1 21.3 14.0 19.12004 5.7 -2.1 -5.3 -5.42007 4.5 1.1 16.6 8.3
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with before−tax family income
Percent of families with before-tax family incomeUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 100.0 100.01992 100.0 100.01995 100.0 100.01998 100.0 100.02001 100.0 100.02004 100.0 100.02007 100.0 100.0
Three-year change (percentage points)1992 0.0 0.01995 0.0 0.01998 0.0 0.02001 0.0 0.02004 0.0 0.02007 0.0 0.0
30
35
40
45
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 43.2 32.51992 41.5 29.51995 43.1 28.91998 45.2 35.62001 48.1 35.42004 50.8 32.82007 50.4 36.0
Three-year change (percent)1992 -3.9 -9.21995 3.9 -2.01998 4.9 23.22001 6.4 -0.62004 5.6 -7.32007 -0.8 9.8
40
50
60
70
80
90
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 69.6 47.31992 62.2 39.11995 63.9 39.41998 71.9 43.22001 84.6 47.92004 84.5 45.02007 91.3 50.2
Three-year change (percent)1992 -10.6 -17.31995 2.7 0.81998 12.5 9.62001 17.7 10.92004 -0.1 -6.12007 8.0 11.6
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with before−tax family income
Percent of families with before-tax family incomeHousing status
Year Owner Renter or otherLevel (percent)
1989 100.0 100.01992 100.0 100.01995 100.0 100.01998 100.0 100.02001 100.0 100.02004 100.0 100.02007 100.0 100.0
Three-year change (percentage points)1992 0.0 0.01995 0.0 0.01998 0.0 0.02001 0.0 0.02004 0.0 0.02007 0.0 0.0
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 53.7 22.21992 50.4 24.81995 51.2 24.91998 55.7 25.82001 60.9 28.92004 60.6 27.12007 61.7 27.8
Three-year change (percent)1992 -6.1 11.71995 1.6 0.41998 8.8 3.62001 9.3 12.02004 -0.5 -6.22007 1.8 2.6
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 82.3 35.41992 70.9 34.91995 74.7 33.91998 84.9 34.02001 99.5 37.72004 96.0 37.02007 105.6 37.5
Three-year change (percent)1992 -13.9 -1.41995 5.4 -2.91998 13.7 0.32001 17.2 10.92004 -3.5 -1.92007 10.0 1.4
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with before−tax family income
Percent of families with before-tax family incomePercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 100.0 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0 0.0
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of before−tax family income for families with holdings
Median value of before-tax family income for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 16.8 35.5 50.8 67.2 126.01992 18.8 35.6 47.5 62.3 117.01995 19.6 38.8 48.0 57.7 109.21998 20.3 38.7 51.6 72.3 112.52001 23.0 40.9 59.8 81.4 147.92004 22.6 40.6 57.5 84.6 157.92007 23.4 41.1 56.7 82.3 157.9
Three-year change (percent)1992 11.9 0.3 -6.5 -7.3 -7.11995 4.3 9.0 1.1 -7.4 -6.71998 3.6 -0.3 7.5 25.3 3.02001 13.3 5.7 15.9 12.6 31.52004 -1.7 -0.7 -3.8 3.9 6.82007 3.5 1.2 -1.4 -2.7 0.0
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of before−tax family income for families with holdings
Mean value of before-tax family income for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 23.6 40.5 58.1 81.9 225.21992 25.0 40.1 52.7 73.7 174.11995 25.1 42.2 55.2 71.3 189.81998 25.9 43.1 59.6 86.0 226.62001 28.0 46.3 68.9 91.9 299.52004 27.5 46.3 66.6 96.6 281.12007 29.1 46.5 66.6 93.0 347.6
Three-year change (percent)1992 5.9 -1.0 -9.3 -10.0 -22.71995 0.4 5.2 4.7 -3.3 9.01998 3.2 2.1 8.0 20.6 19.42001 8.1 7.4 15.6 6.9 32.22004 -1.8 0.0 -3.3 5.1 -6.12007 5.8 0.4 0.0 -3.7 23.7
95
96
97
98
99
100P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with net worth
Percent of families with net worthYear All families
Level (percent)1989 100.01992 100.01995 100.01998 100.02001 100.02004 100.02007 100.0
Three-year change (percentage points)1992 0.01995 0.01998 0.02001 0.02004 0.02007 0.0
70
80
90
100
110
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of net worth for families with holdings
Median value of net worth for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 75.51992 71.71995 78.21998 91.32001 101.32004 102.32007 120.6
Three-year change (percent)1992 -5.01995 9.11998 16.82001 11.02004 1.02007 17.9
250
300
350
400
450
500
550
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of net worth for families with holdings
Mean value of net worth for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 299.41992 270.01995 286.71998 360.12001 464.82004 493.52007 557.8
Three-year change (percent)1992 -9.81995 6.21998 25.62001 29.12004 6.22007 13.0
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with net worth
Percent of families with net worthPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 100.0 100.0 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0 0.0 0.0
0
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of net worth for families with holdings
Median value of net worth for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 2.9 38.8 67.1 107.0 211.2 625.41992 5.7 40.2 57.2 109.5 167.4 526.31995 8.1 45.3 62.8 102.8 173.2 480.71998 7.4 42.2 68.0 143.0 240.0 575.92001 9.2 43.8 74.5 168.8 307.8 975.02004 8.2 37.1 79.0 175.7 344.5 1020.72007 8.1 38.1 88.1 205.8 356.2 1119.0
Three-year change (percent)1992 96.6 3.6 -14.8 2.3 -20.7 -15.81995 42.1 12.7 9.8 -6.1 3.5 -8.71998 -8.6 -6.8 8.3 39.1 38.6 19.82001 24.3 3.8 9.6 18.0 28.2 69.32004 -10.9 -15.3 6.0 4.1 11.9 4.72007 -1.2 2.7 11.5 17.1 3.4 9.6
0
1000
2000
3000
4000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of net worth for families with holdings
Mean value of net worth for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 39.7 105.8 163.1 219.0 358.0 1579.61992 47.6 92.9 146.4 203.8 327.6 1390.51995 60.1 106.9 138.3 218.1 348.1 1471.61998 60.8 122.4 161.0 262.7 415.0 1971.92001 61.8 134.8 190.3 344.3 534.8 2650.72004 79.8 133.5 213.8 375.1 538.0 2792.02007 105.2 135.0 210.4 375.8 609.1 3315.6
Three-year change (percent)1992 19.9 -12.2 -10.2 -6.9 -8.5 -12.01995 26.3 15.1 -5.5 7.0 6.3 5.81998 1.2 14.5 16.4 20.4 19.2 34.02001 1.6 10.1 18.2 31.1 28.9 34.42004 29.1 -1.0 12.3 8.9 0.6 5.32007 31.8 1.1 -1.6 0.2 13.2 18.8
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with net worth
Percent of families with net worthAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 100.0 100.0 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0 0.0 0.0
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of net worth for families with holdings
Median value of net worth for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 12.6 90.8 159.0 157.5 123.4 116.61992 13.3 64.6 113.2 165.0 142.8 125.71995 16.2 70.7 128.3 156.1 150.0 125.71998 11.6 80.8 134.5 162.8 186.5 159.92001 13.7 90.8 157.4 216.8 207.9 181.62004 15.6 76.2 159.5 276.8 208.8 180.02007 11.8 88.0 184.9 254.1 239.4 213.5
Three-year change (percent)1992 5.6 -28.9 -28.8 4.8 15.7 7.81995 21.8 9.4 13.3 -5.4 5.0 0.01998 -28.4 14.3 4.8 4.3 24.3 27.22001 18.1 12.4 17.0 33.2 11.5 13.62004 13.9 -16.1 1.3 27.7 0.4 -0.92007 -24.4 15.5 15.9 -8.2 14.7 18.6
0
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of net worth for families with holdings
Mean value of net worth for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 75.4 237.6 445.0 495.5 450.4 388.91992 65.7 192.9 389.1 489.1 414.6 309.91995 58.4 194.3 401.1 518.5 471.4 349.11998 81.3 250.2 463.2 678.2 594.2 395.72001 106.1 304.1 568.8 857.7 793.5 548.62004 80.8 329.4 597.3 932.0 758.8 580.02007 106.0 326.3 663.0 941.3 1015.7 638.3
Three-year change (percent)1992 -12.9 -18.8 -12.6 -1.3 -7.9 -20.31995 -11.1 0.7 3.1 6.0 13.7 12.61998 39.2 28.8 15.5 30.8 26.1 13.32001 30.5 21.5 22.8 26.5 33.5 38.62004 -23.8 8.3 5.0 8.7 -4.4 5.72007 31.2 -0.9 11.0 1.0 33.9 10.1
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with net worth
Percent of families with net worthFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 100.0 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0 0.0
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of net worth for families with holdings
Median value of net worth for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 11.7 13.0 65.9 99.8 178.81992 12.3 21.6 84.2 87.5 150.61995 16.2 23.7 95.6 89.0 155.91998 20.5 19.7 111.1 110.9 189.12001 15.4 22.9 106.8 132.9 207.22004 22.9 23.1 127.9 134.2 229.32007 24.8 25.1 143.9 141.0 225.1
Three-year change (percent)1992 5.1 66.2 27.8 -12.3 -15.81995 31.7 9.7 13.5 1.7 3.51998 26.5 -16.9 16.2 24.6 21.32001 -24.9 16.2 -3.9 19.8 9.62004 48.7 0.9 19.8 1.0 10.72007 7.9 8.7 12.5 5.1 -1.8
0
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of net worth for families with holdings
Mean value of net worth for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 101.8 116.8 197.4 323.6 558.91992 78.4 102.5 225.8 297.8 459.11995 98.3 98.1 267.6 290.8 488.51998 130.4 117.4 313.2 380.5 614.22001 112.0 177.1 339.6 515.5 754.12004 143.1 171.7 387.3 554.0 828.72007 178.5 207.3 390.2 601.1 952.4
Three-year change (percent)1992 -23.0 -12.2 14.4 -8.0 -17.91995 25.4 -4.3 18.5 -2.4 6.41998 32.7 19.7 17.0 30.8 25.72001 -14.1 50.9 8.4 35.5 22.82004 27.8 -3.0 14.0 7.5 9.92007 24.7 20.7 0.7 8.5 14.9
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with net worth
Percent of families with net worthEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of net worth for families with holdings
Median value of net worth for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 38.8 59.3 74.0 178.71992 27.0 55.6 83.5 143.01995 30.6 70.2 63.3 141.21998 26.9 68.8 94.0 186.42001 29.8 67.9 85.7 250.22004 22.6 75.5 76.1 248.42007 33.2 80.5 84.7 285.1
Three-year change (percent)1992 -30.4 -6.2 12.8 -20.01995 13.3 26.3 -24.2 -1.31998 -12.1 -2.0 48.5 32.02001 10.8 -1.3 -8.8 34.22004 -24.2 11.2 -11.2 -0.72007 46.9 6.6 11.3 14.8
0
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of net worth for families with holdings
Mean value of net worth for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 133.7 179.3 300.1 582.21992 101.5 161.7 248.2 492.01995 113.9 179.7 255.2 521.01998 100.4 200.9 302.9 673.72001 121.7 211.9 336.0 932.22004 149.9 216.8 339.5 937.62007 142.9 251.8 367.0 1101.3
Three-year change (percent)1992 -24.1 -9.8 -17.3 -15.51995 12.2 11.1 2.8 5.91998 -11.9 11.8 18.7 29.32001 21.2 5.5 10.9 38.42004 23.2 2.3 1.0 0.62007 -4.7 16.1 8.1 17.5
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with net worth
Percent of families with net worthRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 100.0 100.01992 100.0 100.01995 100.0 100.01998 100.0 100.02001 100.0 100.02004 100.0 100.02007 100.0 100.0
Three-year change (percentage points)1992 0.0 0.01995 0.0 0.01998 0.0 0.02001 0.0 0.02004 0.0 0.02007 0.0 0.0
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of net worth for families with holdings
Median value of net worth for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 114.5 10.71992 100.9 17.41995 103.6 21.41998 122.0 21.22001 143.6 21.02004 154.8 27.22007 171.2 28.3
Three-year change (percent)1992 -11.9 62.61995 2.7 23.01998 17.8 -0.92001 17.7 -0.92004 7.8 29.52007 10.6 4.0
100
200
300
400
500
600
700
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of net worth for families with holdings
Mean value of net worth for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 366.2 101.11992 321.9 112.21995 339.4 104.31998 430.1 128.02001 571.7 137.52004 618.7 168.22007 694.0 229.3
Three-year change (percent)1992 -12.1 11.01995 5.4 -7.01998 26.7 22.72001 32.9 7.42004 8.2 22.32007 12.2 36.3
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with net worth
Percent of families with net worthCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of net worth for families with holdings
Median value of net worth for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 61.1 273.1 106.5 1.31992 57.2 208.8 102.0 4.81995 66.5 210.6 109.7 4.91998 67.2 316.3 143.9 4.52001 76.1 412.0 135.2 10.42004 73.8 383.9 153.6 13.02007 94.0 388.7 161.6 5.7
Three-year change (percent)1992 -6.4 -23.5 -4.2 269.21995 16.3 0.9 7.5 2.11998 1.1 50.2 31.2 -8.22001 13.2 30.3 -6.0 131.12004 -3.0 -6.8 13.6 25.02007 27.4 1.3 5.2 -56.2
0
500
1000
1500
2000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of net worth for families with holdings
Mean value of net worth for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 183.0 1048.9 294.1 63.21992 177.1 868.2 274.6 76.91995 185.3 947.8 304.4 77.01998 214.2 1179.0 391.6 94.22001 264.3 1476.2 531.1 211.12004 296.5 1565.2 515.2 178.22007 352.3 1962.9 543.2 124.1
Three-year change (percent)1992 -3.2 -17.2 -6.6 21.71995 4.6 9.2 10.9 0.11998 15.6 24.4 28.6 22.32001 23.4 25.2 35.6 124.12004 12.2 6.0 -3.0 -15.62007 18.8 25.4 5.4 -30.4
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with net worth
Percent of families with net worthCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of net worth for families with holdings
Median value of net worth for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 174.8 43.7 59.6 71.11992 146.7 52.8 47.5 72.41995 149.5 50.4 61.0 84.31998 168.5 51.9 63.7 104.32001 231.1 54.7 56.3 112.92004 216.9 49.4 62.0 122.12007 247.1 73.5 65.2 128.9
Three-year change (percent)1992 -16.1 20.8 -20.3 1.81995 1.9 -4.5 28.4 16.41998 12.7 3.0 4.4 23.72001 37.2 5.4 -11.6 8.22004 -6.1 -9.7 10.1 8.12007 13.9 48.8 5.2 5.6
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of net worth for families with holdings
Mean value of net worth for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 610.9 210.5 173.3 246.01992 544.0 198.2 126.6 227.71995 582.4 219.3 151.1 258.21998 689.9 246.0 161.0 341.62001 899.5 233.5 159.5 478.52004 950.3 271.9 162.0 462.92007 1121.0 311.0 192.1 477.6
Three-year change (percent)1992 -11.0 -5.8 -26.9 -7.41995 7.1 10.6 19.4 13.41998 18.5 12.2 6.6 32.32001 30.4 -5.1 -0.9 40.12004 5.6 16.4 1.6 -3.32007 18.0 14.4 18.6 3.2
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with net worth
Percent of families with net worthRegion
Year Northeast Midwest South WestLevel (percent)
1989 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of net worth for families with holdings
Median value of net worth for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 140.6 84.6 56.8 73.81992 92.8 82.4 50.0 103.51995 112.0 88.7 59.7 74.01998 120.1 102.3 78.0 78.02001 109.1 124.4 86.3 104.02004 177.6 126.3 70.1 104.32007 159.5 107.5 97.1 156.6
Three-year change (percent)1992 -34.0 -2.6 -12.0 40.21995 20.7 7.6 19.4 -28.51998 7.2 15.3 30.7 5.42001 -9.2 21.6 10.6 33.32004 62.8 1.5 -18.8 0.32007 -10.2 -14.9 38.5 50.1
200
300
400
500
600
700
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of net worth for families with holdings
Mean value of net worth for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 347.2 301.7 211.7 395.41992 305.1 250.7 203.9 368.31995 339.3 269.3 252.3 314.21998 386.4 317.1 340.3 417.32001 530.9 399.3 440.4 517.12004 625.2 480.9 382.7 577.82007 653.5 468.8 501.9 663.3
Three-year change (percent)1992 -12.1 -16.9 -3.7 -6.91995 11.2 7.4 23.7 -14.71998 13.9 17.7 34.9 32.82001 37.4 25.9 29.4 23.92004 17.8 20.4 -13.1 11.72007 4.5 -2.5 31.1 14.8
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with net worth
Percent of families with net worthUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 100.0 100.01992 100.0 100.01995 100.0 100.01998 100.0 100.02001 100.0 100.02004 100.0 100.02007 100.0 100.0
Three-year change (percentage points)1992 0.0 0.01995 0.0 0.01998 0.0 0.02001 0.0 0.02004 0.0 0.02007 0.0 0.0
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of net worth for families with holdings
Median value of net worth for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 74.8 79.61992 76.7 56.11995 80.2 69.01998 92.3 87.92001 103.1 93.62004 114.6 65.12007 132.5 78.3
Three-year change (percent)1992 2.5 -29.51995 4.6 23.01998 15.1 27.42001 11.7 6.52004 11.2 -30.42007 15.6 20.3
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of net worth for families with holdings
Mean value of net worth for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 319.7 212.91992 302.1 128.71995 305.8 175.71998 390.4 184.32001 501.1 238.72004 555.5 194.22007 622.9 241.7
Three-year change (percent)1992 -5.5 -39.51995 1.2 36.51998 27.7 4.92001 28.4 29.52004 10.9 -18.62007 12.1 24.5
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with net worth
Percent of families with net worthHousing status
Year Owner Renter or otherLevel (percent)
1989 100.0 100.01992 100.0 100.01995 100.0 100.01998 100.0 100.02001 100.0 100.02004 100.0 100.02007 100.0 100.0
Three-year change (percentage points)1992 0.0 0.01995 0.0 0.01998 0.0 0.02001 0.0 0.02004 0.0 0.02007 0.0 0.0
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of net worth for families with holdings
Median value of net worth for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 161.5 3.11992 143.1 4.71995 140.8 6.61998 168.2 5.42001 201.8 5.62004 202.9 4.42007 234.6 5.1
Three-year change (percent)1992 -11.4 51.61995 -1.6 40.41998 19.5 -18.22001 20.0 3.72004 0.5 -21.42007 15.6 15.9
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of net worth for families with holdings
Mean value of net worth for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 433.6 61.81992 390.9 56.01995 410.8 59.21998 515.5 55.32001 656.0 64.62004 688.1 59.42007 780.1 71.3
Three-year change (percent)1992 -9.8 -9.41995 5.1 5.71998 25.5 -6.62001 27.3 16.82004 4.9 -8.02007 13.4 20.0
95
96
97
98
99
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with net worth
Percent of families with net worthPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 100.0 100.0 100.0 100.0 100.01992 100.0 100.0 100.0 100.0 100.01995 100.0 100.0 100.0 100.0 100.01998 100.0 100.0 100.0 100.0 100.02001 100.0 100.0 100.0 100.0 100.02004 100.0 100.0 100.0 100.0 100.02007 100.0 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 0.0 0.0 0.0 0.0 0.01995 0.0 0.0 0.0 0.0 0.01998 0.0 0.0 0.0 0.0 0.02001 0.0 0.0 0.0 0.0 0.02004 0.0 0.0 0.0 0.0 0.02007 0.0 0.0 0.0 0.0 0.0
0
500
1000
1500
2000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of net worth for families with holdings
Median value of net worth for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 0.3 33.9 139.4 338.4 1108.51992 0.7 34.1 126.8 295.3 962.01995 1.3 38.1 128.6 299.0 923.71998 0.6 41.6 153.4 394.8 1141.22001 1.4 47.8 184.7 503.9 1529.62004 1.9 47.9 187.8 560.0 1570.62007 1.2 54.3 220.3 573.8 1892.5
Three-year change (percent)1992 133.3 0.6 -9.0 -12.7 -13.21995 85.7 11.7 1.4 1.3 -4.01998 -53.8 9.2 19.3 32.0 23.52001 133.3 14.9 20.4 27.6 34.02004 35.7 0.2 1.7 11.1 2.72007 -36.8 13.4 17.3 2.5 20.5
0
1000
2000
3000
4000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of net worth for families with holdings
Mean value of net worth for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 -1.0 37.0 143.3 363.8 1999.31992 -0.8 36.8 131.1 316.3 1807.91995 -0.2 41.4 134.7 322.6 1943.21998 -2.4 45.7 163.7 410.1 2468.42001 0.1 51.9 195.6 528.3 3235.72004 -1.6 51.7 204.0 580.7 3427.62007 -2.2 58.1 227.7 588.6 3985.9
Three-year change (percent)1992 -20.0 -0.5 -8.5 -13.1 -9.61995 -75.0 12.5 2.7 2.0 7.51998 1100.0 10.4 21.5 27.1 27.02001 -104.2 13.6 19.5 28.8 31.12004 -1700.0 -0.4 4.3 9.9 5.92007 37.5 12.4 11.6 1.4 16.3
94
95
96
97
98P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with assets
Percent of families with assetsYear All families
Level (percent)1989 94.71992 95.81995 96.41998 96.82001 96.72004 97.92007 97.7
Three-year change (percentage points)1992 1.11995 0.61998 0.42001 -0.12004 1.22007 -0.2
120
140
160
180
200
220
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of assets for families with holdings
Median value of assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 130.71992 121.31995 137.61998 156.92001 173.02004 190.22007 221.5
Three-year change (percent)1992 -7.21995 13.41998 14.02001 10.32004 9.92007 16.5
300
400
500
600
700
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of assets for families with holdings
Mean value of assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 360.41992 329.41995 348.31998 433.52001 546.32004 592.62007 670.0
Three-year change (percent)1992 -8.61995 5.71998 24.52001 26.02004 8.52007 13.1
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with assets
Percent of families with assetsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 78.8 95.1 99.9 99.5 100.0 100.01992 82.6 97.1 99.7 100.0 100.0 99.61995 84.4 97.9 99.9 99.7 100.0 100.01998 87.1 98.1 99.2 99.8 100.0 100.02001 85.6 98.3 99.8 100.0 100.0 100.02004 92.2 97.8 99.8 100.0 99.8 100.02007 89.8 98.9 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 3.8 2.0 -0.2 0.5 0.0 -0.41995 1.8 0.8 0.2 -0.3 0.0 0.41998 2.7 0.2 -0.7 0.1 0.0 0.02001 -1.5 0.2 0.6 0.2 0.0 0.02004 6.6 -0.5 0.0 0.0 -0.2 0.02007 -2.4 1.1 0.2 0.0 0.2 0.0
0
500
1000
1500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of assets for families with holdings
Median value of assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 12.3 65.9 106.8 173.7 304.7 760.51992 22.5 61.0 92.7 178.1 261.9 705.31995 20.3 75.1 113.7 189.3 278.8 634.21998 19.1 77.7 135.3 236.6 346.1 772.22001 28.1 78.9 134.6 269.6 441.1 1180.62004 18.7 85.9 169.7 318.3 505.7 1271.92007 23.5 84.9 183.5 343.1 567.5 1358.4
Three-year change (percent)1992 82.9 -7.4 -13.2 2.5 -14.0 -7.31995 -9.8 23.1 22.7 6.3 6.5 -10.11998 -5.9 3.5 19.0 25.0 24.1 21.82001 47.1 1.5 -0.5 13.9 27.4 52.92004 -33.5 8.9 26.1 18.1 14.6 7.72007 25.7 -1.2 8.1 7.8 12.2 6.8
0
1000
2000
3000
4000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of assets for families with holdings
Mean value of assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 55.5 123.9 190.8 274.8 435.2 1724.01992 66.3 110.6 177.7 257.6 406.3 1562.01995 80.9 127.7 172.1 281.1 439.9 1626.01998 80.0 145.8 204.5 342.0 519.1 2165.12001 83.4 160.3 236.0 420.0 653.2 2862.52004 101.9 169.2 279.0 478.6 697.1 3073.12007 135.5 167.5 277.9 502.9 794.1 3617.5
Three-year change (percent)1992 19.5 -10.7 -6.9 -6.3 -6.6 -9.41995 22.0 15.5 -3.2 9.1 8.3 4.11998 -1.1 14.2 18.8 21.7 18.0 33.22001 4.2 9.9 15.4 22.8 25.8 32.22004 22.2 5.6 18.2 14.0 6.7 7.42007 33.0 -1.0 -0.4 5.1 13.9 17.7
92
94
96
98
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with assets
Percent of families with assetsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 92.3 95.0 94.9 95.0 97.4 96.41992 92.9 96.7 96.8 96.9 96.8 97.51995 94.4 96.2 97.3 96.4 97.7 98.41998 94.8 97.6 96.7 98.2 98.5 96.42001 93.2 97.4 98.1 98.4 97.1 97.82004 96.5 97.7 98.3 97.5 99.5 99.62007 97.1 96.9 97.6 99.1 98.4 98.1
Three-year change (percentage points)1992 0.6 1.7 1.9 1.9 -0.6 1.11995 1.5 -0.5 0.5 -0.5 0.9 0.91998 0.4 1.4 -0.6 1.8 0.8 -2.02001 -1.6 -0.2 1.4 0.2 -1.4 1.42004 3.3 0.3 0.2 -0.9 2.4 1.82007 0.6 -0.8 -0.7 1.6 -1.1 -1.5
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of assets for families with holdings
Median value of assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 32.2 168.4 224.3 197.5 136.2 130.71992 33.9 141.8 178.1 203.6 154.6 129.51995 43.4 149.4 203.4 217.3 169.2 130.21998 36.8 162.9 227.8 252.3 208.9 171.82001 45.5 184.4 248.2 265.8 251.0 200.02004 43.0 190.4 258.1 388.4 256.1 203.42007 38.8 222.3 306.0 348.5 303.3 219.3
Three-year change (percent)1992 5.3 -15.8 -20.6 3.1 13.5 -0.91995 28.0 5.4 14.2 6.7 9.4 0.51998 -15.2 9.0 12.0 16.1 23.5 32.02001 23.6 13.2 9.0 5.4 20.2 16.42004 -5.5 3.3 4.0 46.1 2.0 1.72007 -9.8 16.8 18.6 -10.3 18.4 7.8
0
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of assets for families with holdings
Mean value of assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 125.9 322.4 529.1 559.6 474.7 407.91992 113.0 273.1 469.9 548.9 446.8 326.11995 106.5 272.7 491.7 590.0 502.5 359.31998 135.4 341.9 568.0 758.4 633.2 419.62001 171.3 402.9 669.9 938.3 853.1 571.42004 156.2 455.8 734.6 1053.5 804.2 606.22007 195.9 468.6 811.2 1058.4 1103.6 665.4
Three-year change (percent)1992 -10.2 -15.3 -11.2 -1.9 -5.9 -20.11995 -5.8 -0.1 4.6 7.5 12.5 10.21998 27.1 25.4 15.5 28.5 26.0 16.82001 26.5 17.8 17.9 23.7 34.7 36.22004 -8.8 13.1 9.7 12.3 -5.7 6.12007 25.4 2.8 10.4 0.5 37.2 9.8
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with assets
Percent of families with assetsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 80.4 89.3 92.6 99.2 99.61992 86.0 93.2 94.9 98.4 99.21995 86.4 95.2 96.0 98.7 99.01998 90.7 93.7 97.2 98.8 98.92001 88.3 95.1 95.9 98.7 99.22004 94.9 96.5 97.7 99.0 98.92007 93.9 94.8 97.6 99.2 99.4
Three-year change (percentage points)1992 5.6 3.9 2.3 -0.8 -0.41995 0.4 2.0 1.1 0.3 -0.21998 4.3 -1.5 1.2 0.1 -0.12001 -2.4 1.4 -1.3 -0.1 0.32004 6.6 1.4 1.8 0.3 -0.32007 -1.0 -1.7 -0.1 0.2 0.5
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of assets for families with holdings
Median value of assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 45.4 26.8 87.1 169.0 212.41992 39.6 36.9 98.1 173.1 191.31995 61.3 43.7 111.4 173.9 209.71998 48.8 37.7 133.6 214.3 252.82001 68.3 45.0 126.2 246.6 275.42004 67.8 52.2 155.3 262.0 334.02007 71.6 58.7 182.8 297.9 326.1
Three-year change (percent)1992 -12.8 37.7 12.6 2.4 -9.91995 54.8 18.4 13.6 0.5 9.61998 -20.4 -13.7 19.9 23.2 20.62001 40.0 19.4 -5.5 15.1 8.92004 -0.7 16.0 23.1 6.2 21.32007 5.6 12.5 17.7 13.7 -2.4
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of assets for families with holdings
Mean value of assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 155.9 160.7 220.6 394.8 603.91992 121.1 139.0 248.9 384.4 505.51995 145.9 135.3 291.4 378.5 541.91998 178.3 164.3 341.9 483.2 683.22001 169.4 222.1 373.9 631.2 823.42004 207.1 232.3 422.4 698.5 933.42007 254.3 279.2 425.1 765.5 1061.2
Three-year change (percent)1992 -22.3 -13.5 12.8 -2.6 -16.31995 20.5 -2.7 17.1 -1.5 7.21998 22.2 21.4 17.3 27.7 26.12001 -5.0 35.2 9.4 30.6 20.52004 22.3 4.6 13.0 10.7 13.42007 22.8 20.2 0.6 9.6 13.7
88
90
92
94
96
98
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with assets
Percent of families with assetsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 89.7 93.3 96.8 99.41992 88.1 95.5 98.5 99.51995 89.8 96.2 97.8 99.71998 88.4 97.5 98.3 99.62001 88.0 97.1 98.8 99.52004 91.1 98.1 99.1 99.92007 91.7 97.7 98.6 99.6
Three-year change (percentage points)1992 -1.6 2.2 1.7 0.11995 1.7 0.7 -0.7 0.21998 -1.4 1.3 0.5 -0.12001 -0.4 -0.4 0.5 -0.12004 3.1 1.0 0.3 0.42007 0.6 -0.4 -0.5 -0.3
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of assets for families with holdings
Median value of assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 71.2 110.8 136.0 259.11992 53.3 96.5 134.9 227.61995 67.6 121.7 119.5 234.11998 59.8 126.0 164.5 274.12001 76.1 123.4 161.3 359.32004 54.8 146.5 165.3 392.12007 64.6 161.9 186.3 435.7
Three-year change (percent)1992 -25.1 -12.9 -0.8 -12.21995 26.8 26.1 -11.4 2.91998 -11.5 3.5 37.7 17.12001 27.3 -2.1 -1.9 31.12004 -28.0 18.7 2.5 9.12007 17.9 10.5 12.7 11.1
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of assets for families with holdings
Mean value of assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 164.5 223.3 359.9 663.61992 128.9 200.6 297.7 576.81995 144.0 225.6 308.3 606.01998 131.3 244.3 375.1 776.52001 159.7 260.2 400.5 1046.42004 191.3 274.0 425.1 1081.72007 190.4 323.9 460.2 1263.5
Three-year change (percent)1992 -21.6 -10.2 -17.3 -13.11995 11.7 12.5 3.6 5.11998 -8.8 8.3 21.7 28.12001 21.6 6.5 6.8 34.82004 19.8 5.3 6.1 3.42007 -0.5 18.2 8.3 16.8
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with assets
Percent of families with assetsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 98.4 83.51992 98.9 86.71995 98.6 88.71998 98.9 90.02001 99.0 89.82004 99.3 94.42007 98.9 94.9
Three-year change (percentage points)1992 0.5 3.21995 -0.3 2.01998 0.3 1.32001 0.1 -0.22004 0.3 4.62007 -0.4 0.5
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of assets for families with holdings
Median value of assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 159.3 42.71992 151.9 48.71995 160.8 51.81998 185.8 57.52001 217.6 67.82004 246.7 65.42007 272.2 89.2
Three-year change (percent)1992 -4.6 14.11995 5.9 6.41998 15.5 11.02001 17.1 17.92004 13.4 -3.52007 10.3 36.4
200
300
400
500
600
700
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of assets for families with holdings
Mean value of assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 418.9 155.71992 376.9 164.11995 398.4 155.51998 501.5 185.82001 648.9 199.92004 719.7 244.92007 804.9 331.0
Three-year change (percent)1992 -10.0 5.41995 5.7 -5.21998 25.9 19.52001 29.4 7.62004 10.9 22.52007 11.8 35.2
70
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with assets
Percent of families with assetsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 97.1 100.0 93.8 68.41992 97.9 99.0 95.6 78.41995 98.7 97.8 95.6 76.51998 98.2 99.2 94.7 85.62001 97.8 98.6 95.8 82.22004 98.4 99.1 97.7 89.62007 98.7 99.7 96.1 90.0
Three-year change (percentage points)1992 0.8 -1.0 1.8 10.01995 0.8 -1.2 0.0 -1.91998 -0.5 1.4 -0.9 9.12001 -0.4 -0.6 1.1 -3.42004 0.6 0.5 1.9 7.42007 0.3 0.6 -1.6 0.4
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of assets for families with holdings
Median value of assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 125.1 354.0 130.4 19.81992 112.8 291.7 123.7 29.31995 133.4 308.5 129.8 25.61998 142.7 419.1 171.8 22.72001 150.9 513.7 173.0 50.42004 177.0 522.4 181.9 33.32007 213.3 543.9 203.5 28.9
Three-year change (percent)1992 -9.8 -17.6 -5.1 48.01995 18.3 5.8 4.9 -12.61998 7.0 35.9 32.4 -11.32001 5.7 22.6 0.7 122.02004 17.3 1.7 5.1 -33.92007 20.5 4.1 11.9 -13.2
0
500
1000
1500
2000
2500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of assets for families with holdings
Mean value of assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 241.5 1130.5 323.9 113.21992 235.9 981.0 299.7 125.91995 249.4 1058.0 332.6 128.61998 286.5 1308.2 434.5 147.12001 342.6 1624.8 572.1 308.62004 401.3 1738.1 556.2 260.22007 468.2 2164.5 600.4 195.8
Three-year change (percent)1992 -2.3 -13.2 -7.5 11.21995 5.7 7.8 11.0 2.11998 14.9 23.6 30.6 14.42001 19.6 24.2 31.7 109.82004 17.1 7.0 -2.8 -15.72007 16.7 24.5 7.9 -24.8
88
90
92
94
96
98
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with assets
Percent of families with assetsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 99.6 95.7 97.4 88.51992 99.8 97.3 97.1 91.51995 99.9 97.4 98.6 91.71998 99.6 97.6 97.8 93.22001 99.8 95.9 97.9 93.52004 99.9 97.4 97.8 96.42007 99.8 97.8 98.5 95.2
Three-year change (percentage points)1992 0.2 1.6 -0.3 3.01995 0.1 0.1 1.5 0.21998 -0.3 0.2 -0.8 1.52001 0.2 -1.7 0.1 0.32004 0.1 1.5 -0.1 2.92007 -0.1 0.4 0.7 -1.2
100
150
200
250
300
350
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of assets for families with holdings
Median value of assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 261.9 97.9 102.7 107.31992 241.2 101.5 91.6 98.41995 249.2 122.5 116.5 115.91998 270.3 115.7 130.4 147.62001 354.3 129.1 119.9 147.52004 383.9 125.6 145.9 162.92007 411.4 187.0 157.6 177.1
Three-year change (percent)1992 -7.9 3.7 -10.8 -8.31995 3.3 20.7 27.2 17.81998 8.5 -5.6 11.9 27.42001 31.1 11.6 -8.1 -0.12004 8.4 -2.7 21.7 10.42007 7.2 48.9 8.0 8.7
200
400
600
800
1000
1200
1400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of assets for families with holdings
Mean value of assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 702.4 265.3 218.2 290.01992 640.3 252.9 173.8 264.41995 684.6 281.0 199.2 298.01998 801.9 316.9 218.9 390.62001 1022.7 306.0 213.6 534.02004 1113.7 354.7 239.2 513.62007 1298.8 413.7 279.2 540.5
Three-year change (percent)1992 -8.8 -4.7 -20.3 -8.81995 6.9 11.1 14.6 12.71998 17.1 12.8 9.9 31.12001 27.5 -3.4 -2.4 36.72004 8.9 15.9 12.0 -3.82007 16.6 16.6 16.7 5.2
92
94
96
98
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with assets
Percent of families with assetsRegion
Year Northeast Midwest South WestLevel (percent)
1989 93.2 93.9 93.9 98.31992 92.2 97.5 96.3 96.51995 95.6 96.2 96.3 97.41998 96.4 96.9 97.1 96.82001 94.9 98.7 96.2 97.22004 97.9 99.2 97.3 97.72007 94.6 98.4 98.5 98.4
Three-year change (percentage points)1992 -1.0 3.6 2.4 -1.81995 3.4 -1.3 0.0 0.91998 0.8 0.7 0.8 -0.62001 -1.5 1.8 -0.9 0.42004 3.0 0.5 1.1 0.52007 -3.3 -0.8 1.2 0.7
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of assets for families with holdings
Median value of assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 207.8 130.8 97.0 148.01992 176.4 118.4 82.9 174.61995 177.4 142.5 107.8 157.91998 191.0 164.9 133.6 166.82001 195.2 198.8 146.3 177.72004 297.1 214.3 145.2 218.72007 290.4 204.7 180.9 294.5
Three-year change (percent)1992 -15.1 -9.5 -14.5 18.01995 0.6 20.4 30.0 -9.61998 7.7 15.7 23.9 5.62001 2.2 20.6 9.5 6.52004 52.2 7.8 -0.8 23.12007 -2.3 -4.5 24.6 34.7
200
300
400
500
600
700
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of assets for families with holdings
Mean value of assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 422.1 356.3 260.9 465.51992 383.8 299.6 249.4 446.41995 410.4 324.4 304.8 389.41998 461.9 380.9 405.2 513.92001 623.0 464.9 516.3 617.72004 732.9 566.3 463.8 712.82007 790.9 556.7 594.6 815.9
Three-year change (percent)1992 -9.1 -15.9 -4.4 -4.11995 6.9 8.3 22.2 -12.81998 12.5 17.4 32.9 32.02001 34.9 22.1 27.4 20.22004 17.6 21.8 -10.2 15.42007 7.9 -1.7 28.2 14.5
94
95
96
97
98
99
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with assets
Percent of families with assetsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 94.0 97.71992 95.6 97.01995 96.1 98.21998 96.5 99.02001 96.4 98.82004 97.8 98.42007 97.7 97.9
Three-year change (percentage points)1992 1.6 -0.71995 0.5 1.21998 0.4 0.82001 -0.1 -0.22004 1.4 -0.42007 -0.1 -0.5
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of assets for families with holdings
Median value of assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 138.7 109.31992 139.0 82.51995 146.2 102.31998 162.5 135.02001 181.0 131.32004 218.3 122.22007 244.1 149.2
Three-year change (percent)1992 0.2 -24.51995 5.2 24.01998 11.1 32.02001 11.4 -2.72004 20.6 -6.92007 11.8 22.1
200
300
400
500
600
700
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of assets for families with holdings
Mean value of assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 388.6 244.61992 369.4 155.61995 373.7 203.71998 471.3 219.32001 590.4 278.12004 666.0 239.82007 746.8 298.3
Three-year change (percent)1992 -4.9 -36.41995 1.2 30.91998 26.1 7.72001 25.3 26.82004 12.8 -13.82007 12.1 24.4
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with assets
Percent of families with assetsHousing status
Year Owner Renter or otherLevel (percent)
1989 100.0 85.21992 100.0 88.51995 100.0 89.71998 100.0 90.72001 100.0 89.92004 100.0 93.32007 100.0 92.8
Three-year change (percentage points)1992 0.0 3.31995 0.0 1.21998 0.0 1.02001 0.0 -0.82004 0.0 3.42007 0.0 -0.5
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of assets for families with holdings
Median value of assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 208.0 11.01992 202.6 13.11995 214.8 16.71998 245.6 14.82001 282.6 15.72004 318.6 13.42007 345.0 13.6
Three-year change (percent)1992 -2.6 19.11995 6.0 27.51998 14.3 -11.42001 15.1 6.12004 12.7 -14.62007 8.3 1.5
0
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of assets for families with holdings
Mean value of assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 494.9 80.91992 457.4 73.11995 480.9 77.41998 600.1 73.02001 744.9 83.72004 808.4 76.42007 914.4 93.4
Three-year change (percent)1992 -7.6 -9.61995 5.1 5.91998 24.8 -5.72001 24.1 14.72004 8.5 -8.72007 13.1 22.3
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with assets
Percent of families with assetsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 78.6 100.0 100.0 100.0 100.01992 83.3 100.0 100.0 100.0 100.01995 85.5 100.0 100.0 100.0 100.01998 87.4 100.0 100.0 100.0 100.02001 87.0 100.0 100.0 100.0 100.02004 91.7 100.0 100.0 100.0 100.02007 91.0 100.0 100.0 100.0 100.0
Three-year change (percentage points)1992 4.7 0.0 0.0 0.0 0.01995 2.2 0.0 0.0 0.0 0.01998 1.9 0.0 0.0 0.0 0.02001 -0.4 0.0 0.0 0.0 0.02004 4.7 0.0 0.0 0.0 0.02007 -0.7 0.0 0.0 0.0 0.0
0
500
1000
1500
2000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of assets for families with holdings
Median value of assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 4.5 54.5 178.7 402.1 1243.71992 5.5 56.5 169.8 342.0 1067.91995 7.7 65.9 174.6 348.2 1025.21998 7.5 77.4 210.6 462.1 1240.12001 9.6 88.1 254.5 595.5 1688.62004 8.5 92.8 283.0 660.3 1727.12007 8.1 108.0 304.5 688.8 2109.8
Three-year change (percent)1992 22.2 3.7 -5.0 -14.9 -14.11995 40.0 16.6 2.8 1.8 -4.01998 -2.6 17.5 20.6 32.7 21.02001 28.0 13.8 20.8 28.9 36.22004 -11.5 5.3 11.2 10.9 2.32007 -4.7 16.4 7.6 4.3 22.2
0
1000
2000
3000
4000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of assets for families with holdings
Mean value of assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 12.5 65.6 192.2 426.0 2102.61992 14.0 71.4 181.3 374.4 1933.61995 19.4 84.1 191.7 377.6 2059.51998 22.0 93.2 224.6 488.7 2622.92001 21.0 99.8 265.0 617.4 3400.12004 23.1 112.8 306.0 693.0 3662.32007 29.2 133.3 333.4 713.5 4244.8
Three-year change (percent)1992 12.0 8.8 -5.7 -12.1 -8.01995 38.6 17.8 5.7 0.9 6.51998 13.4 10.8 17.2 29.4 27.42001 -4.5 7.1 18.0 26.3 29.62004 10.0 13.0 15.5 12.2 7.72007 26.4 18.2 9.0 3.0 15.9
89
90
91
92
93
94P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with financial assets
Percent of families with financial assetsYear All families
Level (percent)1989 88.91992 90.31995 91.21998 93.12001 93.42004 93.82007 93.9
Three-year change (percentage points)1992 1.41995 0.91998 1.92001 0.32004 0.42007 0.1
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 18.11992 16.81995 20.91998 28.52001 33.02004 25.32007 28.9
Three-year change (percent)1992 -7.21995 24.41998 36.42001 15.82004 -23.32007 14.2
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 117.11992 110.61995 135.31998 183.82001 238.72004 221.72007 237.4
Three-year change (percent)1992 -5.61995 22.31998 35.82001 29.92004 -7.12007 7.1
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with financial assets
Percent of families with financial assetsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 61.7 88.0 96.0 98.9 99.9 99.71992 68.5 88.4 95.4 99.5 100.0 98.81995 70.1 91.2 96.8 98.2 100.0 100.01998 75.8 93.0 97.3 99.3 99.8 100.02001 75.5 93.7 98.5 99.6 99.8 99.72004 80.1 91.5 98.5 99.1 99.8 100.02007 79.1 93.2 97.2 99.7 100.0 100.0
Three-year change (percentage points)1992 6.8 0.4 -0.6 0.6 0.1 -0.91995 1.6 2.8 1.4 -1.3 0.0 1.21998 5.7 1.8 0.5 1.1 -0.2 0.02001 -0.3 0.7 1.2 0.3 0.0 -0.32004 4.6 -2.2 0.0 -0.5 0.0 0.32007 -1.0 1.7 -1.3 0.6 0.2 0.0
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 1.7 7.1 13.4 23.9 46.3 231.81992 1.7 5.6 11.3 25.2 56.5 186.71995 2.0 8.1 13.1 28.9 65.2 204.91998 2.3 8.3 20.6 46.5 103.0 282.02001 2.3 9.4 20.4 66.1 114.6 430.52004 1.5 5.3 17.0 53.2 119.7 402.22007 1.7 7.0 18.9 60.0 131.6 404.5
Three-year change (percent)1992 0.0 -21.1 -15.7 5.4 22.0 -19.51995 17.6 44.6 15.9 14.7 15.4 9.71998 15.0 2.5 57.3 60.9 58.0 37.62001 0.0 13.3 -1.0 42.2 11.3 52.72004 -34.8 -43.6 -16.7 -19.5 4.5 -6.62007 13.3 32.1 11.2 12.8 9.9 0.6
0
500
1000
1500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 19.3 37.9 50.9 78.8 114.6 584.01992 14.9 32.1 50.7 74.6 127.2 554.51995 21.5 43.9 57.7 93.2 164.4 664.91998 23.9 52.8 66.8 124.2 215.5 984.32001 28.2 52.1 94.4 175.7 275.0 1283.32004 25.4 46.8 79.7 161.6 266.9 1209.42007 29.6 49.3 78.8 165.5 237.6 1368.8
Three-year change (percent)1992 -22.8 -15.3 -0.4 -5.3 11.0 -5.11995 44.3 36.8 13.8 24.9 29.2 19.91998 11.2 20.3 15.8 33.3 31.1 48.02001 18.0 -1.3 41.3 41.5 27.6 30.42004 -9.9 -10.2 -15.6 -8.0 -2.9 -5.82007 16.5 5.3 -1.1 2.4 -11.0 13.2
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with financial assets
Percent of families with financial assetsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 84.8 90.4 90.8 87.7 92.6 91.41992 85.8 91.0 92.6 92.5 91.2 92.11995 87.0 92.3 93.0 91.2 93.0 94.21998 88.8 93.3 95.3 95.6 95.6 92.12001 89.7 93.5 94.7 95.2 94.6 95.42004 90.1 93.6 93.6 95.2 96.5 97.62007 89.2 93.1 93.3 97.8 96.1 97.4
Three-year change (percentage points)1992 1.0 0.6 1.8 4.8 -1.4 0.71995 1.2 1.3 0.4 -1.3 1.8 2.11998 1.8 1.0 2.3 4.4 2.6 -2.12001 0.9 0.2 -0.6 -0.4 -1.0 3.32004 0.4 0.1 -1.1 0.0 1.9 2.22007 -0.9 -0.5 -0.3 2.6 -0.4 -0.2
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 4.3 22.6 29.6 41.6 30.6 47.41992 5.5 14.5 28.6 41.4 36.9 30.51995 7.3 18.4 36.8 43.9 28.5 31.01998 5.7 29.1 47.5 58.3 58.3 46.62001 7.3 31.6 52.7 68.5 60.1 49.72004 5.7 20.9 43.1 86.4 39.6 42.32007 6.8 26.0 54.3 73.7 68.1 41.5
Three-year change (percent)1992 27.9 -35.8 -3.4 -0.5 20.6 -35.71995 32.7 26.9 28.7 6.0 -22.8 1.61998 -21.9 58.2 29.1 32.8 104.6 50.32001 28.1 8.6 10.9 17.5 3.1 6.72004 -21.9 -33.9 -18.2 26.1 -34.1 -14.92007 19.3 24.4 26.0 -14.7 72.0 -1.9
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 28.2 79.1 149.0 190.2 188.6 203.01992 25.8 67.5 144.7 205.5 169.6 158.61995 32.4 78.1 184.5 230.4 227.4 189.01998 44.3 125.6 212.8 342.4 320.0 206.12001 57.6 133.8 282.9 450.1 389.1 322.82004 31.1 126.4 251.4 431.3 367.5 275.42007 31.8 119.9 273.4 413.8 450.2 272.5
Three-year change (percent)1992 -8.5 -14.7 -2.9 8.0 -10.1 -21.91995 25.6 15.7 27.5 12.1 34.1 19.21998 36.7 60.8 15.3 48.6 40.7 9.02001 30.0 6.5 32.9 31.5 21.6 56.62004 -46.0 -5.5 -11.1 -4.2 -5.6 -14.72007 2.3 -5.1 8.8 -4.1 22.5 -1.1
70
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with financial assets
Percent of families with financial assetsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 72.4 83.6 85.3 92.9 96.71992 75.8 87.3 88.9 93.4 95.51995 77.5 88.8 90.1 94.5 95.61998 83.4 90.8 92.9 94.9 96.52001 81.7 92.2 92.7 95.3 96.92004 86.5 91.8 94.6 95.4 96.02007 84.7 90.0 96.2 95.1 97.3
Three-year change (percentage points)1992 3.4 3.7 3.6 0.5 -1.21995 1.7 1.5 1.2 1.1 0.11998 5.9 2.0 2.8 0.4 0.92001 -1.7 1.4 -0.2 0.4 0.42004 4.8 -0.4 1.9 0.1 -0.92007 -1.8 -1.8 1.6 -0.3 1.3
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 4.7 6.6 19.8 20.3 40.21992 4.0 7.2 16.3 20.5 39.01995 4.7 9.8 21.2 22.8 43.61998 7.1 10.9 35.0 34.0 57.42001 8.1 11.7 28.9 43.8 67.02004 3.5 8.0 27.5 33.2 66.32007 6.0 12.7 27.0 30.0 70.4
Three-year change (percent)1992 -14.9 9.1 -17.7 1.0 -3.01995 17.5 36.1 30.1 11.2 11.81998 51.1 11.2 65.1 49.1 31.72001 14.1 7.3 -17.4 28.8 16.72004 -56.8 -31.6 -4.8 -24.2 -1.02007 71.4 58.8 -1.8 -9.6 6.2
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 39.5 49.7 93.9 99.7 229.61992 40.8 49.5 103.7 103.2 186.51995 48.1 45.0 150.1 127.6 218.81998 75.2 70.3 176.8 169.4 314.32001 60.4 99.4 195.2 231.0 393.02004 56.7 77.8 184.8 221.2 391.22007 81.3 87.6 184.0 225.7 413.3
Three-year change (percent)1992 3.3 -0.4 10.4 3.5 -18.81995 17.9 -9.1 44.7 23.6 17.31998 56.3 56.2 17.8 32.8 43.62001 -19.7 41.4 10.4 36.4 25.02004 -6.1 -21.7 -5.3 -4.2 -0.52007 43.4 12.6 -0.4 2.0 5.6
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with financial assets
Percent of families with financial assetsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 76.4 86.8 94.1 99.31992 73.7 89.7 95.0 98.81995 76.0 90.8 94.4 99.01998 76.5 93.7 95.8 99.12001 78.0 92.9 97.2 99.22004 77.4 92.9 96.7 99.62007 79.7 93.3 95.6 98.9
Three-year change (percentage points)1992 -2.7 2.9 0.9 -0.51995 2.3 1.1 -0.6 0.21998 0.5 2.9 1.4 0.12001 1.5 -0.8 1.4 0.12004 -0.6 0.0 -0.5 0.42007 2.3 0.4 -1.1 -0.7
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 6.4 12.5 19.5 38.81992 3.6 11.4 16.1 40.51995 5.4 14.2 18.5 46.01998 6.2 16.6 25.9 77.32001 5.1 16.3 25.4 102.72004 2.4 13.2 17.6 86.52007 3.0 14.2 20.0 96.3
Three-year change (percent)1992 -43.8 -8.8 -17.4 4.41995 50.0 24.6 14.9 13.61998 14.8 16.9 40.0 68.02001 -17.7 -1.8 -1.9 32.92004 -52.9 -19.0 -30.7 -15.82007 25.0 7.6 13.6 11.3
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 43.7 64.6 110.9 222.81992 39.1 60.7 85.8 200.61995 42.4 73.8 114.9 248.61998 37.6 86.6 144.7 349.02001 48.4 91.0 161.8 479.22004 47.8 86.3 137.1 421.82007 45.8 86.5 126.5 485.1
Three-year change (percent)1992 -10.5 -6.0 -22.6 -10.01995 8.4 21.6 33.9 23.91998 -11.3 17.3 25.9 40.42001 28.7 5.1 11.8 37.32004 -1.2 -5.2 -15.3 -12.02007 -4.2 0.2 -7.7 15.0
70
75
80
85
90
95
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with financial assets
Percent of families with financial assetsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 95.2 70.21992 95.5 74.21995 95.1 78.11998 96.5 81.62001 96.7 83.32004 97.2 85.02007 96.8 86.7
Three-year change (percentage points)1992 0.3 4.01995 -0.4 3.91998 1.4 3.52001 0.2 1.72004 0.5 1.72007 -0.4 1.7
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 25.4 3.31992 22.7 4.31995 25.3 7.51998 38.4 8.32001 46.2 8.42004 40.0 5.52007 45.0 9.0
Three-year change (percent)1992 -10.6 30.31995 11.5 74.41998 51.8 10.72001 20.3 1.22004 -13.4 -34.52007 12.5 63.6
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 138.0 33.21992 128.5 40.11995 154.2 55.51998 213.6 66.82001 287.6 65.22004 275.5 62.22007 298.8 72.2
Three-year change (percent)1992 -6.9 20.81995 20.0 38.41998 38.5 20.42001 34.6 -2.42004 -4.2 -4.62007 8.5 16.1
50
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with financial assets
Percent of families with financial assetsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 92.7 98.6 85.9 51.31992 93.3 98.1 88.1 66.61995 94.4 94.6 89.1 65.41998 95.0 96.9 90.3 75.12001 94.9 97.6 91.1 74.22004 94.5 96.1 93.6 79.62007 94.2 98.0 93.7 81.4
Three-year change (percentage points)1992 0.6 -0.5 2.2 15.31995 1.1 -3.5 1.0 -1.21998 0.6 2.3 1.2 9.72001 -0.1 0.7 0.8 -0.92004 -0.4 -1.5 2.5 5.42007 -0.3 1.9 0.1 1.8
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 14.9 29.8 32.8 1.91992 15.0 28.9 24.2 4.31995 19.7 33.7 25.7 3.41998 24.2 58.4 41.9 3.22001 28.6 71.3 39.4 6.22004 22.5 61.6 29.1 5.52007 28.8 54.1 29.9 3.7
Three-year change (percent)1992 0.7 -3.0 -26.2 126.31995 31.3 16.6 6.2 -20.91998 22.8 73.3 63.0 -5.92001 18.2 22.1 -6.0 93.82004 -21.3 -13.6 -26.1 -11.32007 28.0 -12.2 2.7 -32.7
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 72.5 274.4 159.3 34.01992 80.1 237.3 135.0 42.81995 102.5 277.3 170.5 48.11998 125.8 412.5 239.1 65.22001 157.1 525.2 321.2 155.92004 150.1 487.1 284.3 121.82007 176.7 577.9 263.6 58.5
Three-year change (percent)1992 10.5 -13.5 -15.3 25.91995 28.0 16.9 26.3 12.41998 22.7 48.8 40.2 35.62001 24.9 27.3 34.3 139.12004 -4.5 -7.3 -11.5 -21.92007 17.7 18.6 -7.3 -52.0
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with financial assets
Percent of families with financial assetsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 99.4 92.0 90.0 78.71992 99.4 93.5 88.9 83.01995 98.8 92.8 92.6 84.31998 99.0 94.7 92.3 87.72001 99.4 93.3 92.5 88.32004 99.5 92.9 90.5 91.42007 98.7 94.1 90.2 91.8
Three-year change (percentage points)1992 0.0 1.5 -1.1 4.31995 -0.6 -0.7 3.7 1.31998 0.2 1.9 -0.3 3.42001 0.4 -1.4 0.2 0.62004 0.1 -0.4 -2.0 3.12007 -0.8 1.2 -0.3 0.4
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 40.1 9.1 10.9 23.31992 40.6 11.7 9.1 16.41995 47.3 15.8 12.8 19.61998 67.5 18.7 15.3 31.82001 79.5 20.6 15.1 34.22004 74.0 13.4 12.5 21.42007 78.4 17.6 13.9 23.7
Three-year change (percent)1992 1.2 28.6 -16.5 -29.61995 16.5 35.0 40.7 19.51998 42.7 18.4 19.5 62.22001 17.8 10.2 -1.3 7.52004 -6.9 -35.0 -17.2 -37.42007 5.9 31.3 11.2 10.7
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 201.9 72.5 46.6 142.31992 196.1 73.8 40.2 117.41995 260.4 92.3 51.6 151.21998 326.2 114.0 63.1 214.62001 409.3 117.6 72.4 298.42004 370.9 113.8 66.9 262.32007 453.5 120.7 58.8 235.1
Three-year change (percent)1992 -2.9 1.8 -13.7 -17.51995 32.8 25.1 28.4 28.81998 25.3 23.5 22.3 41.92001 25.5 3.2 14.7 39.02004 -9.4 -3.2 -7.6 -12.12007 22.3 6.1 -12.1 -10.4
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with financial assets
Percent of families with financial assetsRegion
Year Northeast Midwest South WestLevel (percent)
1989 90.9 89.9 83.0 95.51992 88.9 94.5 88.0 90.41995 91.7 92.3 89.1 93.21998 94.6 94.0 91.3 93.52001 93.8 96.2 91.7 93.02004 96.4 96.5 90.7 94.02007 92.5 95.4 93.5 93.9
Three-year change (percentage points)1992 -2.0 4.6 5.0 -5.11995 2.8 -2.2 1.1 2.81998 2.9 1.7 2.2 0.32001 -0.8 2.2 0.4 -0.52004 2.6 0.3 -1.0 1.02007 -3.9 -1.1 2.8 -0.1
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 27.2 24.1 12.1 14.11992 22.7 20.3 11.2 18.71995 30.4 22.2 15.5 19.51998 36.2 33.9 21.3 25.62001 37.5 40.9 25.7 32.32004 47.9 34.3 13.4 25.52007 44.3 31.2 21.0 29.1
Three-year change (percent)1992 -16.5 -15.8 -7.4 32.61995 33.9 9.4 38.4 4.31998 19.1 52.7 37.4 31.32001 3.6 20.6 20.7 26.22004 27.7 -16.1 -47.9 -21.12007 -7.5 -9.0 56.7 14.1
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 149.4 122.0 86.6 125.11992 127.7 104.4 96.0 125.31995 169.7 125.5 123.9 132.51998 203.7 159.6 180.7 197.62001 303.2 207.5 219.2 248.22004 289.6 225.8 186.2 214.72007 304.6 220.6 214.3 238.5
Three-year change (percent)1992 -14.5 -14.4 10.9 0.21995 32.9 20.2 29.1 5.71998 20.0 27.2 45.8 49.12001 48.8 30.0 21.3 25.62004 -4.5 8.8 -15.1 -13.52007 5.2 -2.3 15.1 11.1
89
90
91
92
93
94
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with financial assets
Percent of families with financial assetsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 88.6 90.01992 90.6 88.91995 91.4 90.61998 92.9 94.22001 93.3 94.02004 93.9 93.22007 94.3 91.8
Three-year change (percentage points)1992 2.0 -1.11995 0.8 1.71998 1.5 3.62001 0.4 -0.22004 0.6 -0.82007 0.4 -1.4
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 18.4 16.01992 19.2 10.01995 22.3 12.21998 29.6 18.72001 35.7 23.42004 30.7 10.32007 32.7 15.9
Three-year change (percent)1992 4.3 -37.51995 16.1 22.01998 32.7 53.32001 20.6 25.12004 -14.0 -56.02007 6.5 54.4
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 126.8 76.71992 123.3 53.21995 147.9 61.41998 202.0 79.62001 259.7 108.82004 251.8 75.42007 266.7 91.6
Three-year change (percent)1992 -2.8 -30.61995 20.0 15.41998 36.6 29.62001 28.6 36.72004 -3.0 -30.72007 5.9 21.5
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with financial assets
Percent of families with financial assetsHousing status
Year Owner Renter or otherLevel (percent)
1989 96.0 76.21992 95.7 80.61995 96.7 81.21998 97.6 84.22001 97.9 84.12004 97.5 85.52007 98.4 84.0
Three-year change (percentage points)1992 -0.3 4.41995 1.0 0.61998 0.9 3.02001 0.3 -0.12004 -0.4 1.42007 0.9 -1.5
0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 31.9 3.51992 31.4 4.21995 32.9 6.11998 52.5 4.52001 60.1 4.62004 52.7 3.32007 55.0 3.8
Three-year change (percent)1992 -1.6 20.01995 4.8 45.21998 59.6 -26.22001 14.5 2.22004 -12.3 -28.32007 4.4 15.2
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 152.4 38.41992 146.3 35.41995 173.4 52.11998 243.8 47.42001 314.8 53.62004 293.4 39.22007 310.5 50.3
Three-year change (percent)1992 -4.0 -7.81995 18.5 47.21998 40.6 -9.02001 29.1 13.12004 -6.8 -26.92007 5.8 28.3
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with financial assets
Percent of families with financial assetsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 63.8 93.7 98.2 99.6 100.01992 71.4 92.0 97.9 99.5 99.91995 72.2 94.9 97.9 100.0 100.01998 78.1 95.1 99.1 99.9 100.02001 78.0 96.9 99.0 99.8 100.02004 79.8 96.1 99.4 100.0 100.02007 79.6 96.4 99.5 100.0 100.0
Three-year change (percentage points)1992 7.6 -1.7 -0.3 -0.1 -0.11995 0.8 2.9 0.0 0.5 0.11998 5.9 0.2 1.2 -0.1 0.02001 -0.1 1.8 -0.1 -0.1 0.02004 1.8 -0.8 0.4 0.2 0.02007 -0.2 0.3 0.1 0.0 0.0
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of financial assets for families with holdings
Median value of financial assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.3 8.9 28.8 110.8 384.01992 1.2 8.7 32.1 106.7 365.41995 1.4 11.0 33.8 113.0 437.51998 1.3 13.2 54.7 184.8 588.82001 1.5 12.5 64.0 238.2 836.52004 1.1 10.9 51.8 223.0 801.02007 1.4 13.4 60.7 216.3 773.0
Three-year change (percent)1992 -7.7 -2.2 11.5 -3.7 -4.81995 16.7 26.4 5.3 5.9 19.71998 -7.1 20.0 61.8 63.5 34.62001 15.4 -5.3 17.0 28.9 42.12004 -26.7 -12.8 -19.1 -6.4 -4.22007 27.3 22.9 17.2 -3.0 -3.5
0
500
1000
1500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of financial assets for families with holdings
Mean value of financial assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 2.5 14.0 41.5 128.3 710.51992 2.5 12.9 43.1 119.7 680.11995 3.7 16.2 46.0 134.4 875.31998 4.2 18.9 65.7 195.0 1202.12001 3.7 20.5 78.6 253.2 1599.32004 3.3 18.9 69.9 244.7 1486.92007 4.6 21.7 78.9 242.8 1606.6
Three-year change (percent)1992 0.0 -7.9 3.9 -6.7 -4.31995 48.0 25.6 6.7 12.3 28.71998 13.5 16.7 42.8 45.1 37.32001 -11.9 8.5 19.6 29.8 33.02004 -10.8 -7.8 -11.1 -3.4 -7.02007 39.4 14.8 12.9 -0.8 8.1
86
87
88
89
90
91
92
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with transaction accounts
Percent of families with transaction accountsYear All families
Level (percent)1989 85.51992 86.91995 87.41998 90.62001 91.42004 91.32007 92.1
Three-year change (percentage points)1992 1.41995 0.51998 3.22001 0.82004 -0.12007 0.8
2.5
3
3.5
4
4.5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 3.41992 3.31995 2.81998 3.82001 4.62004 4.12007 4.0
Three-year change (percent)1992 -2.91995 -15.21998 35.72001 21.12004 -10.92007 -2.4
20
22
24
26
28
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 23.21992 20.01995 19.61998 21.42001 27.72004 29.82007 26.4
Three-year change (percent)1992 -13.81995 -2.01998 9.22001 29.42004 7.62007 -11.4
50
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with transaction accounts
Percent of families with transaction accountsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 55.6 82.6 93.0 97.8 98.2 99.41992 62.5 83.9 91.7 97.6 98.8 98.71995 63.2 85.2 92.0 97.3 98.7 99.81998 68.8 90.3 95.4 98.9 99.6 100.02001 71.6 90.3 96.6 99.1 99.7 99.22004 75.5 87.3 95.9 98.4 99.1 100.02007 74.9 90.1 96.4 99.3 100.0 100.0
Three-year change (percentage points)1992 6.9 1.3 -1.3 -0.2 0.6 -0.71995 0.7 1.3 0.3 -0.3 -0.1 1.11998 5.6 5.1 3.4 1.6 0.9 0.22001 2.8 0.0 1.2 0.2 0.1 -0.82004 3.9 -3.0 -0.7 -0.7 -0.6 0.82007 -0.6 2.8 0.5 0.9 0.9 0.0
0
10
20
30
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 0.8 1.6 2.8 4.0 7.2 23.51992 0.8 1.6 2.9 4.0 6.9 22.41995 0.9 1.8 2.2 3.4 5.8 18.01998 0.9 1.9 2.9 5.5 9.5 22.92001 1.0 2.1 3.3 6.1 11.1 30.42004 0.7 1.6 3.3 7.1 12.1 30.82007 0.8 1.6 2.7 6.0 12.9 36.7
Three-year change (percent)1992 0.0 0.0 3.6 0.0 -4.2 -4.71995 12.5 12.5 -24.1 -15.0 -15.9 -19.61998 0.0 5.6 31.8 61.8 63.8 27.22001 11.1 10.5 13.8 10.9 16.8 32.82004 -30.0 -23.8 0.0 16.4 9.0 1.32007 14.3 0.0 -18.2 -15.5 6.6 19.2
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 5.6 12.8 12.6 16.8 22.0 93.41992 4.4 7.8 13.4 13.5 23.6 82.01995 5.6 7.3 11.1 13.6 19.5 86.01998 5.2 11.1 11.1 15.6 24.2 91.12001 5.9 9.9 14.4 20.4 29.9 130.12004 5.7 10.3 14.1 30.8 30.7 127.42007 5.5 8.3 10.4 18.7 29.7 132.8
Three-year change (percent)1992 -21.4 -39.1 6.3 -19.6 7.3 -12.21995 27.3 -6.4 -17.2 0.7 -17.4 4.91998 -7.1 52.1 0.0 14.7 24.1 5.92001 13.5 -10.8 29.7 30.8 23.6 42.82004 -3.4 4.0 -2.1 51.0 2.7 -2.12007 -3.5 -19.4 -26.2 -39.3 -3.3 4.2
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with transaction accounts
Percent of families with transaction accountsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 80.1 86.1 87.9 85.6 90.4 90.31992 81.3 86.8 88.9 90.2 88.9 91.81995 80.9 87.6 89.2 88.8 91.7 93.21998 84.7 90.5 94.1 93.9 94.1 90.02001 87.1 91.1 92.7 93.8 93.8 93.72004 86.4 90.8 91.8 93.2 93.9 96.42007 87.3 91.2 91.7 96.4 94.6 95.3
Three-year change (percentage points)1992 1.2 0.7 1.0 4.6 -1.5 1.51995 -0.4 0.8 0.3 -1.4 2.8 1.41998 3.8 2.9 4.9 5.1 2.4 -3.22001 2.4 0.6 -1.4 -0.1 -0.3 3.72004 -0.7 -0.3 -0.9 -0.6 0.1 2.72007 0.9 0.4 -0.1 3.2 0.7 -1.1
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 1.7 3.5 4.3 5.3 5.6 8.01992 1.9 2.9 4.3 4.3 5.5 5.81995 1.6 2.7 4.1 4.2 4.4 6.81998 1.9 3.6 5.6 5.2 7.1 7.62001 2.0 4.0 5.3 6.4 9.4 8.52004 2.0 3.3 5.3 7.4 6.0 7.12007 2.4 3.4 5.0 5.2 7.7 6.1
Three-year change (percent)1992 11.8 -17.1 0.0 -18.9 -1.8 -27.51995 -15.8 -6.9 -4.7 -2.3 -20.0 17.21998 18.8 33.3 36.6 23.8 61.4 11.82001 5.3 11.1 -5.4 23.1 32.4 11.82004 0.0 -17.5 0.0 15.6 -36.2 -16.52007 20.0 3.0 -5.7 -29.7 28.3 -14.1
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 6.4 12.9 27.8 36.9 36.6 46.91992 7.6 13.2 21.6 30.1 29.5 36.91995 4.9 10.9 24.2 31.5 33.1 32.61998 8.0 14.1 25.4 33.6 33.5 29.32001 7.7 18.6 31.3 43.0 49.1 39.12004 8.5 23.0 29.8 47.3 39.1 49.12007 7.9 16.7 33.2 38.1 41.3 31.8
Three-year change (percent)1992 18.8 2.3 -22.3 -18.4 -19.4 -21.31995 -35.5 -17.4 12.0 4.7 12.2 -11.71998 63.3 29.4 5.0 6.7 1.2 -10.12001 -3.8 31.9 23.2 28.0 46.6 33.42004 10.4 23.7 -4.8 10.0 -20.4 25.62007 -7.1 -27.4 11.4 -19.5 5.6 -35.2
65
70
75
80
85
90
95
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with transaction accounts
Percent of families with transaction accountsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 66.2 78.0 82.3 89.9 95.61992 67.7 82.7 86.8 90.8 93.41995 71.4 82.8 88.9 90.2 93.31998 78.6 87.6 90.3 92.8 95.32001 78.0 89.5 91.0 93.5 95.62004 82.2 88.4 92.0 93.3 94.52007 81.1 87.4 94.6 94.3 95.7
Three-year change (percentage points)1992 1.5 4.7 4.5 0.9 -2.21995 3.7 0.1 2.1 -0.6 -0.11998 7.2 4.8 1.4 2.6 2.02001 -0.6 1.9 0.7 0.7 0.32004 4.2 -1.1 1.0 -0.2 -1.12007 -1.1 -1.0 2.6 1.0 1.2
0
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 1.6 2.1 4.5 3.2 7.61992 0.9 2.0 3.9 3.5 6.11995 1.4 1.9 3.1 3.1 4.71998 1.3 1.9 4.8 4.5 7.42001 1.4 2.3 4.2 4.7 8.32004 1.1 2.1 3.4 5.0 8.82007 1.6 2.5 2.8 4.6 7.5
Three-year change (percent)1992 -43.8 -4.8 -13.3 9.4 -19.71995 55.6 -5.0 -20.5 -11.4 -23.01998 -7.1 0.0 54.8 45.2 57.42001 7.7 21.1 -12.5 4.4 12.22004 -21.4 -8.7 -19.0 6.4 6.02007 45.5 19.0 -17.6 -8.0 -14.8
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 19.1 7.4 21.1 16.5 45.21992 10.4 11.4 22.5 16.6 31.21995 9.2 7.7 24.0 17.4 29.91998 6.6 11.6 25.2 19.5 33.02001 9.6 11.4 23.0 27.3 43.92004 9.9 18.0 31.8 28.2 45.22007 9.2 12.1 22.4 30.3 37.4
Three-year change (percent)1992 -45.5 54.1 6.6 0.6 -31.01995 -11.5 -32.5 6.7 4.8 -4.21998 -28.3 50.6 5.0 12.1 10.42001 45.5 -1.7 -8.7 40.0 33.02004 3.1 57.9 38.3 3.3 3.02007 -7.1 -32.8 -29.6 7.4 -17.3
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with transaction accounts
Percent of families with transaction accountsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 71.0 82.2 91.3 98.81992 67.6 85.8 91.7 97.61995 70.0 85.6 90.2 98.11998 69.7 90.4 95.3 98.72001 74.1 90.1 95.7 98.62004 72.4 89.1 94.3 99.12007 75.7 90.9 93.9 98.7
Three-year change (percentage points)1992 -3.4 3.6 0.4 -1.21995 2.4 -0.2 -1.5 0.51998 -0.3 4.8 5.1 0.62001 4.4 -0.3 0.4 -0.12004 -1.7 -1.0 -1.4 0.52007 3.3 1.8 -0.4 -0.4
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 1.9 2.9 3.1 7.11992 1.4 2.6 3.3 6.21995 1.6 2.2 2.6 5.41998 1.5 2.6 3.8 7.62001 1.8 2.9 3.5 8.82004 1.2 2.8 2.9 10.12007 1.2 2.5 2.8 10.0
Three-year change (percent)1992 -26.3 -10.3 6.5 -12.71995 14.3 -15.4 -21.2 -12.91998 -6.2 18.2 46.2 40.72001 20.0 11.5 -7.9 15.82004 -33.3 -3.4 -17.1 14.82007 0.0 -10.7 -3.4 -1.0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 10.8 15.5 22.8 38.51992 10.5 13.1 17.7 31.11995 8.0 12.5 16.8 32.71998 10.2 11.2 17.9 36.22001 10.2 13.7 23.4 48.22004 18.5 15.2 21.0 48.32007 9.1 11.8 16.2 49.0
Three-year change (percent)1992 -2.8 -15.5 -22.4 -19.21995 -23.8 -4.6 -5.1 5.11998 27.5 -10.4 6.5 10.72001 0.0 22.3 30.7 33.12004 81.4 10.9 -10.3 0.22007 -50.8 -22.4 -22.9 1.4
65
70
75
80
85
90
95
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with transaction accounts
Percent of families with transaction accountsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 92.6 64.71992 93.2 67.91995 92.8 68.71998 95.0 76.22001 95.3 79.42004 95.5 80.62007 95.5 83.9
Three-year change (percentage points)1992 0.6 3.21995 -0.4 0.81998 2.2 7.52001 0.3 3.22004 0.2 1.22007 0.0 3.3
1
2
3
4
5
6
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 4.3 1.81992 4.2 1.41995 3.3 1.81998 4.7 1.92001 5.6 1.92004 5.5 1.62007 5.1 2.0
Three-year change (percent)1992 -2.3 -22.21995 -21.4 28.61998 42.4 5.62001 19.1 0.02004 -1.8 -15.82007 -7.3 25.0
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 26.3 9.81992 23.0 7.71995 21.8 9.61998 23.9 11.22001 32.6 9.82004 36.4 9.72007 32.0 11.1
Three-year change (percent)1992 -12.5 -21.41995 -5.2 24.71998 9.6 16.72001 36.4 -12.52004 11.7 -1.02007 -12.1 14.4
40
50
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with transaction accounts
Percent of families with transaction accountsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 89.0 96.1 84.1 43.81992 89.9 95.8 85.6 59.01995 90.0 91.9 87.0 58.21998 93.0 95.4 87.4 68.92001 92.9 95.9 89.0 72.22004 92.2 94.4 90.4 76.22007 92.6 96.9 91.6 78.6
Three-year change (percentage points)1992 0.9 -0.3 1.5 15.21995 0.1 -3.9 1.4 -0.81998 3.0 3.5 0.4 10.72001 -0.1 0.5 1.6 3.32004 -0.7 -1.5 1.4 4.02007 0.4 2.5 1.2 2.4
0
2
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 3.1 7.1 5.4 1.31992 2.9 7.2 4.3 1.41995 2.7 6.1 4.1 0.81998 3.4 8.0 6.4 1.32001 3.7 9.4 5.8 2.12004 3.5 11.0 4.6 2.22007 3.8 9.9 4.0 1.0
Three-year change (percent)1992 -6.5 1.4 -20.4 7.71995 -6.9 -15.3 -4.7 -42.91998 25.9 31.1 56.1 62.52001 8.8 17.5 -9.4 61.52004 -5.4 17.0 -20.7 4.82007 8.6 -10.0 -13.0 -54.5
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 11.8 55.0 36.9 5.01992 13.2 42.4 26.4 11.21995 12.0 53.9 25.2 8.01998 14.2 45.3 30.5 6.22001 18.1 58.5 39.5 14.72004 18.5 62.2 44.4 15.92007 19.7 66.7 27.6 9.1
Three-year change (percent)1992 11.9 -22.9 -28.5 124.01995 -9.1 27.1 -4.5 -28.61998 18.3 -16.0 21.0 -22.52001 27.5 29.1 29.5 137.12004 2.2 6.3 12.4 8.22007 6.5 7.2 -37.8 -42.8
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with transaction accounts
Percent of families with transaction accountsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 98.8 87.1 85.2 75.71992 98.3 89.4 84.4 79.31995 97.2 88.1 86.9 81.11998 98.3 92.8 89.1 84.22001 98.9 91.0 89.2 86.22004 98.5 90.1 87.2 88.22007 98.3 91.9 87.9 89.5
Three-year change (percentage points)1992 -0.5 2.3 -0.8 3.61995 -1.1 -1.3 2.5 1.81998 1.1 4.7 2.2 3.12001 0.6 -1.8 0.1 2.02004 -0.4 -0.9 -2.0 2.02007 -0.2 1.8 0.7 1.3
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 7.2 2.5 2.0 3.91992 5.9 2.5 2.3 3.81995 5.4 2.7 2.0 2.81998 7.3 2.7 2.5 4.62001 8.2 3.3 2.7 5.32004 8.9 2.6 2.7 3.92007 8.8 3.0 2.5 3.3
Three-year change (percent)1992 -18.1 0.0 15.0 -2.61995 -8.5 8.0 -13.0 -26.31998 35.2 0.0 25.0 64.32001 12.3 22.2 8.0 15.22004 8.5 -21.2 0.0 -26.42007 -2.2 15.4 -7.4 -15.4
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 31.2 17.5 8.6 33.01992 30.3 14.1 8.2 23.81995 36.5 13.1 7.3 22.71998 32.6 15.0 8.8 27.32001 43.6 14.6 10.2 36.12004 45.0 14.6 9.2 40.52007 48.0 15.5 8.6 25.1
Three-year change (percent)1992 -2.9 -19.4 -4.7 -27.91995 20.5 -7.1 -11.0 -4.61998 -10.7 14.5 20.5 20.32001 33.7 -2.7 15.9 32.22004 3.2 0.0 -9.8 12.22007 6.7 6.2 -6.5 -38.0
80
85
90
95
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with transaction accounts
Percent of families with transaction accountsRegion
Year Northeast Midwest South WestLevel (percent)
1989 88.5 86.7 79.1 92.01992 86.6 91.5 83.8 86.91995 89.2 89.4 83.9 89.31998 93.2 91.7 87.9 91.72001 93.0 94.6 89.0 90.62004 94.6 94.4 86.9 92.62007 91.3 93.6 91.3 92.7
Three-year change (percentage points)1992 -1.9 4.8 4.7 -5.11995 2.6 -2.1 0.1 2.41998 4.0 2.3 4.0 2.42001 -0.2 2.9 1.1 -1.12004 1.6 -0.2 -2.1 2.02007 -3.3 -0.8 4.4 0.1
2
3
4
5
6
7
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 4.8 3.4 2.9 3.51992 3.8 3.3 2.9 4.31995 3.8 2.7 2.4 3.41998 4.7 3.8 3.5 4.52001 6.4 4.7 3.8 4.32004 6.6 4.5 3.3 3.72007 5.1 3.8 3.5 4.3
Three-year change (percent)1992 -20.8 -2.9 0.0 22.91995 0.0 -18.2 -17.2 -20.91998 23.7 40.7 45.8 32.42001 36.2 23.7 8.6 -4.42004 3.1 -4.3 -13.2 -14.02007 -22.7 -17.8 6.1 16.2
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 33.7 24.2 14.7 23.91992 19.7 16.2 18.2 27.81995 22.2 16.7 17.7 23.61998 24.0 17.9 20.3 24.72001 31.3 25.3 24.5 32.52004 32.6 27.4 28.6 31.92007 34.2 24.1 22.5 28.7
Three-year change (percent)1992 -41.5 -33.1 23.8 16.31995 12.7 3.1 -2.7 -15.11998 8.1 7.2 14.7 4.72001 30.4 41.3 20.7 31.62004 4.2 8.3 16.7 -1.82007 4.9 -12.0 -21.3 -10.0
84
86
88
90
92
94
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with transaction accounts
Percent of families with transaction accountsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 85.1 87.61992 87.5 84.31995 87.7 85.61998 90.3 92.52001 91.4 91.92004 91.6 90.02007 92.8 88.7
Three-year change (percentage points)1992 2.4 -3.31995 0.2 1.31998 2.6 6.92001 1.1 -0.62004 0.2 -1.92007 1.2 -1.3
2
2.5
3
3.5
4
4.5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 3.7 2.41992 3.5 2.41995 3.1 2.01998 4.2 3.42001 4.7 3.32004 4.6 2.42007 4.5 2.5
Three-year change (percent)1992 -5.4 0.01995 -11.4 -16.71998 35.5 70.02001 11.9 -2.92004 -2.1 -27.32007 -2.2 4.2
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 24.4 17.91992 21.8 11.81995 21.2 10.41998 23.3 10.52001 30.4 11.22004 33.1 13.92007 29.1 12.5
Three-year change (percent)1992 -10.7 -34.11995 -2.8 -11.91998 9.9 1.02001 30.5 6.72004 8.9 24.12007 -12.1 -10.1
70
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with transaction accounts
Percent of families with transaction accountsHousing status
Year Owner Renter or otherLevel (percent)
1989 94.6 69.51992 94.0 74.31995 95.3 72.91998 96.4 79.42001 96.7 80.32004 96.0 80.92007 97.3 80.8
Three-year change (percentage points)1992 -0.6 4.81995 1.3 -1.41998 1.1 6.52001 0.3 0.92004 -0.7 0.62007 1.3 -0.1
1
2
3
4
5
6
7
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 5.0 1.61992 4.9 1.41995 4.1 1.61998 6.2 1.42001 6.8 1.42004 6.6 1.22007 6.2 1.2
Three-year change (percent)1992 -2.0 -12.51995 -16.3 14.31998 51.2 -12.52001 9.7 0.02004 -2.9 -14.32007 -6.1 0.0
10
15
20
25
30
35
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 27.9 11.71992 25.2 8.41995 23.1 11.41998 26.8 8.52001 35.3 8.62004 37.5 9.42007 32.7 9.6
Three-year change (percent)1992 -9.7 -28.21995 -8.3 35.71998 16.0 -25.42001 31.7 1.22004 6.2 9.32007 -12.8 2.1
50
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with transaction accounts
Percent of families with transaction accountsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 56.6 89.3 97.2 98.4 100.01992 65.0 87.5 95.7 99.3 99.71995 64.5 89.8 96.2 98.7 99.71998 72.4 91.7 98.6 99.8 100.02001 73.7 94.4 98.2 99.4 99.62004 75.4 92.0 98.0 99.7 100.02007 76.4 93.6 98.6 100.0 100.0
Three-year change (percentage points)1992 8.4 -1.8 -1.5 0.9 -0.31995 -0.5 2.3 0.5 -0.6 0.01998 7.9 1.9 2.4 1.1 0.32001 1.3 2.7 -0.4 -0.4 -0.42004 1.7 -2.4 -0.2 0.3 0.42007 1.0 1.6 0.6 0.3 0.0
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of transaction accounts for families with holdings
Median value of transaction accounts for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 0.8 2.4 4.3 9.8 36.31992 0.6 2.0 4.3 9.1 33.71995 0.8 1.9 3.4 8.9 26.41998 0.8 2.2 6.1 13.4 29.32001 0.8 2.6 6.4 16.1 43.32004 0.6 2.2 6.4 17.4 46.72007 0.7 2.0 6.0 15.5 46.5
Three-year change (percent)1992 -25.0 -16.7 0.0 -7.1 -7.21995 33.3 -5.0 -20.9 -2.2 -21.71998 0.0 15.8 79.4 50.6 11.02001 0.0 18.2 4.9 20.1 47.82004 -25.0 -15.4 0.0 8.1 7.92007 16.7 -9.1 -6.2 -10.9 -0.4
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of transaction accounts for families with holdings
Mean value of transaction accounts for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.2 4.5 10.1 25.9 123.31992 1.2 4.3 10.7 23.4 102.21995 1.5 4.1 8.7 20.9 108.41998 1.7 4.5 11.8 29.4 107.82001 1.7 5.4 14.6 33.2 153.12004 1.4 5.2 14.6 37.2 166.02007 1.9 5.2 13.2 31.9 147.0
Three-year change (percent)1992 0.0 -4.4 5.9 -9.7 -17.11995 25.0 -4.7 -18.7 -10.7 6.11998 13.3 9.8 35.6 40.7 -0.62001 0.0 20.0 23.7 12.9 42.02004 -17.6 -3.7 0.0 12.0 8.42007 35.7 0.0 -9.6 -14.2 -11.4
12
14
16
18
20P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with certificates of deposit
Percent of families with certificates of depositYear All families
Level (percent)1989 19.91992 16.71995 14.31998 15.32001 15.72004 12.72007 16.1
Three-year change (percentage points)1992 -3.21995 -2.41998 1.02001 0.42004 -3.02007 3.4
14
16
18
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 19.31992 15.91995 13.51998 19.12001 17.52004 16.52007 20.0
Three-year change (percent)1992 -17.61995 -15.11998 41.52001 -8.42004 -5.72007 21.2
45
50
55
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 53.31992 47.81995 48.51998 47.92001 43.82004 60.22007 55.6
Three-year change (percent)1992 -10.31995 1.51998 -1.22001 -8.62004 37.42007 -7.6
5
10
15
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with certificates of deposit
Percent of families with certificates of depositPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 7.7 21.1 22.0 20.2 22.8 33.51992 10.8 16.4 17.1 18.2 20.9 21.11995 8.9 16.3 13.6 14.7 17.0 19.31998 12.1 15.6 15.4 15.2 17.9 18.52001 10.0 14.7 17.4 16.0 18.3 22.02004 5.0 12.7 11.8 15.0 16.3 21.52007 9.4 12.7 15.4 19.3 19.9 27.7
Three-year change (percentage points)1992 3.1 -4.7 -4.9 -2.0 -1.9 -12.41995 -1.9 -0.1 -3.5 -3.5 -3.9 -1.81998 3.2 -0.7 1.8 0.5 0.9 -0.82001 -2.1 -0.9 2.0 0.8 0.4 3.52004 -5.0 -2.0 -5.6 -1.0 -2.0 -0.52007 4.4 0.0 3.6 4.3 3.6 6.2
10
15
20
25
30
35
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 20.9 16.1 17.7 16.1 14.5 34.11992 9.4 21.7 26.0 9.4 14.5 21.71995 8.1 13.5 13.5 13.5 23.0 24.31998 12.7 25.5 17.8 18.5 20.4 25.52001 11.7 16.4 15.2 17.5 15.2 29.22004 11.0 15.4 11.0 19.8 22.0 36.22007 18.0 18.0 17.0 11.0 20.0 42.0
Three-year change (percent)1992 -55.0 34.8 46.9 -41.6 0.0 -36.41995 -13.8 -37.8 -48.1 43.6 58.6 12.01998 56.8 88.9 31.9 37.0 -11.3 4.92001 -7.9 -35.7 -14.6 -5.4 -25.5 14.52004 -6.0 -6.1 -27.6 13.1 44.7 24.02007 63.6 16.9 54.5 -44.4 -9.1 16.0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 32.1 37.3 45.1 47.4 36.1 112.81992 24.4 37.6 54.6 43.3 45.3 87.01995 21.9 37.4 37.9 44.8 50.1 110.71998 32.3 41.9 37.8 43.5 53.4 97.22001 26.5 34.3 32.7 40.1 43.5 95.32004 62.8 71.9 29.5 45.7 45.9 109.92007 32.7 42.4 42.0 43.1 41.2 126.4
Three-year change (percent)1992 -24.0 0.8 21.1 -8.6 25.5 -22.91995 -10.2 -0.5 -30.6 3.5 10.6 27.21998 47.5 12.0 -0.3 -2.9 6.6 -12.22001 -18.0 -18.1 -13.5 -7.8 -18.5 -2.02004 137.0 109.6 -9.8 14.0 5.5 15.32007 -47.9 -41.0 42.4 -5.7 -10.2 15.0
0
10
20
30
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with certificates of deposit
Percent of families with certificates of depositAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 8.6 16.6 20.1 22.4 32.0 41.71992 7.4 9.0 15.9 20.5 31.1 37.71995 7.2 8.1 12.5 17.1 24.0 34.71998 6.2 9.4 11.8 18.6 29.9 35.92001 6.3 9.8 15.2 14.4 29.7 36.52004 5.6 6.7 11.9 18.1 19.9 25.72007 6.7 9.0 14.3 20.5 24.2 37.0
Three-year change (percentage points)1992 -1.2 -7.6 -4.2 -1.9 -0.9 -4.01995 -0.2 -0.9 -3.4 -3.4 -7.1 -3.01998 -1.0 1.3 -0.7 1.5 5.9 1.22001 0.1 0.4 3.4 -4.2 -0.2 0.62004 -0.7 -3.1 -3.3 3.7 -9.8 -10.82007 1.1 2.3 2.4 2.4 4.3 11.3
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 6.4 11.3 14.5 24.1 32.2 46.71992 6.5 7.2 11.6 21.7 28.9 34.01995 7.2 7.2 16.2 18.9 27.0 17.61998 3.2 10.2 14.6 21.6 25.5 38.22001 4.7 7.0 14.0 22.2 23.4 29.22004 4.4 11.0 12.1 31.9 22.0 24.22007 5.0 5.0 15.0 23.0 23.2 30.0
Three-year change (percent)1992 1.6 -36.3 -20.0 -10.0 -10.2 -27.21995 10.8 0.0 39.7 -12.9 -6.6 -48.21998 -55.6 41.7 -9.9 14.3 -5.6 117.02001 46.9 -31.4 -4.1 2.8 -8.2 -23.62004 -6.4 57.1 -13.6 43.7 -6.0 -17.12007 13.6 -54.5 24.0 -27.9 5.5 24.0
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 13.7 22.8 35.9 77.4 77.7 76.21992 18.3 22.4 29.5 45.2 62.0 77.81995 15.1 24.4 54.9 57.3 71.0 50.31998 14.2 21.1 47.3 64.7 54.7 60.32001 24.5 15.4 34.5 51.4 54.1 62.62004 15.4 26.8 48.9 61.5 78.0 92.62007 16.8 34.8 58.2 68.6 53.3 67.4
Three-year change (percent)1992 33.6 -1.8 -17.8 -41.6 -20.2 2.11995 -17.5 8.9 86.1 26.8 14.5 -35.31998 -6.0 -13.5 -13.8 12.9 -23.0 19.92001 72.5 -27.0 -27.1 -20.6 -1.1 3.82004 -37.1 74.0 41.7 19.6 44.2 47.92007 9.1 29.9 19.0 11.5 -31.7 -27.2
5
10
15
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with certificates of deposit
Percent of families with certificates of depositFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 8.7 10.7 26.1 16.3 33.41992 6.7 8.2 29.1 13.7 23.31995 8.4 7.9 23.3 9.3 22.21998 9.6 7.4 29.8 10.1 21.72001 6.9 9.6 24.6 12.5 21.62004 7.0 6.6 18.9 11.2 17.32007 8.9 9.9 24.0 12.5 22.5
Three-year change (percentage points)1992 -2.0 -2.5 3.0 -2.6 -10.11995 1.7 -0.3 -5.8 -4.4 -1.11998 1.2 -0.5 6.5 0.8 -0.52001 -2.7 2.2 -5.2 2.4 -0.12004 0.1 -3.0 -5.7 -1.3 -4.32007 1.9 3.3 5.1 1.3 5.2
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 16.1 8.0 35.4 16.1 25.81992 14.5 9.4 21.7 8.0 31.81995 6.8 7.2 21.6 10.8 17.61998 10.2 7.0 25.5 12.7 25.52001 11.7 8.8 20.5 11.7 23.42004 11.0 11.4 22.0 11.0 27.52007 7.5 6.0 28.0 10.0 26.0
Three-year change (percent)1992 -9.9 17.5 -38.7 -50.3 23.31995 -53.1 -23.4 -0.5 35.0 -44.71998 50.0 -2.8 18.1 17.6 44.92001 14.7 25.7 -19.6 -7.9 -8.22004 -6.0 29.5 7.3 -6.0 17.52007 -31.8 -47.4 27.3 -9.1 -5.5
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 25.4 15.5 68.4 33.7 73.21992 39.3 23.5 50.9 25.2 69.81995 19.5 19.4 58.0 37.0 60.11998 23.1 23.2 45.3 42.5 63.12001 35.9 21.8 49.2 31.3 54.72004 38.0 39.8 86.2 35.1 72.82007 29.6 26.0 50.1 53.8 71.5
Three-year change (percent)1992 54.7 51.6 -25.6 -25.2 -4.61995 -50.4 -17.4 13.9 46.8 -13.91998 18.5 19.6 -21.9 14.9 5.02001 55.4 -6.0 8.6 -26.4 -13.32004 5.8 82.6 75.2 12.1 33.12007 -22.1 -34.7 -41.9 53.3 -1.8
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with certificates of deposit
Percent of families with certificates of depositEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 16.7 17.4 20.4 25.21992 14.7 16.8 16.2 18.31995 12.7 12.2 13.0 18.31998 11.1 16.0 14.0 17.42001 11.3 15.1 14.9 18.62004 5.6 12.9 9.4 17.02007 9.5 14.1 14.1 21.6
Three-year change (percentage points)1992 -2.0 -0.6 -4.2 -6.91995 -2.0 -4.6 -3.2 0.01998 -1.6 3.8 1.0 -0.92001 0.2 -0.9 0.9 1.22004 -5.7 -2.2 -5.5 -1.62007 3.9 1.2 4.7 4.6
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 32.2 24.1 10.1 16.11992 28.9 17.4 10.9 14.51995 13.5 13.5 13.5 16.21998 25.5 20.4 12.7 17.82001 17.5 18.7 15.2 16.42004 16.5 19.2 11.0 20.92007 14.0 16.0 18.0 25.0
Three-year change (percent)1992 -10.2 -27.8 7.9 -9.91995 -53.3 -22.4 23.9 11.71998 88.9 51.1 -5.9 9.92001 -31.4 -8.3 19.7 -7.92004 -5.7 2.7 -27.6 27.42007 -15.2 -16.7 63.6 19.6
30
40
50
60
70
80
90
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 53.9 60.9 53.2 47.01992 55.4 42.5 38.3 53.11995 48.0 36.7 46.4 57.61998 38.7 42.3 39.7 59.42001 41.3 45.8 49.1 40.62004 93.9 62.4 49.8 57.42007 34.9 40.6 49.1 70.5
Three-year change (percent)1992 2.8 -30.2 -28.0 13.01995 -13.4 -13.6 21.1 8.51998 -19.4 15.3 -14.4 3.12001 6.7 8.3 23.7 -31.62004 127.4 36.2 1.4 41.42007 -62.8 -34.9 -1.4 22.8
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with certificates of deposit
Percent of families with certificates of depositRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 25.0 4.71992 19.8 7.21995 16.7 6.21998 18.0 6.52001 18.5 6.82004 15.3 6.02007 19.4 8.2
Three-year change (percentage points)1992 -5.2 2.51995 -3.1 -1.01998 1.3 0.32001 0.5 0.32004 -3.2 -0.82007 4.1 2.2
8
10
12
14
16
18
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 19.3 17.71992 15.9 11.61995 14.2 13.51998 20.4 8.92001 17.5 10.52004 17.6 13.22007 20.0 10.0
Three-year change (percent)1992 -17.6 -34.51995 -10.7 16.41998 43.7 -34.12001 -14.2 18.02004 0.6 25.72007 13.6 -24.2
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 54.3 37.31992 50.4 25.71995 49.2 41.01998 49.1 36.82001 45.6 28.92004 63.0 41.72007 56.1 52.9
Three-year change (percent)1992 -7.2 -31.11995 -2.4 59.51998 -0.2 -10.22001 -7.1 -21.52004 38.2 44.32007 -11.0 26.9
5
10
15
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with certificates of deposit
Percent of families with certificates of depositCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 15.1 24.2 32.6 4.91992 11.8 18.5 30.1 4.61995 10.4 18.7 23.3 7.91998 11.1 11.7 28.7 7.72001 11.3 18.7 27.1 7.82004 9.8 14.2 20.2 7.92007 13.2 15.0 25.7 5.6
Three-year change (percentage points)1992 -3.3 -5.7 -2.5 -0.31995 -1.4 0.2 -6.8 3.31998 0.7 -7.0 5.4 -0.22001 0.2 7.0 -1.6 0.12004 -1.5 -4.5 -6.9 0.12007 3.4 0.8 5.5 -2.3
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 11.3 24.1 35.4 3.21992 10.1 14.5 28.9 9.41995 10.8 21.6 21.0 11.51998 11.5 28.0 30.6 12.72001 10.5 18.7 29.2 46.82004 11.0 22.0 27.5 8.82007 10.0 25.0 30.0 15.0
Three-year change (percent)1992 -10.6 -39.8 -18.4 193.81995 6.9 49.0 -27.3 22.31998 6.5 29.6 45.7 10.42001 -8.7 -33.2 -4.6 268.52004 4.8 17.6 -5.8 -81.22007 -9.1 13.6 9.1 70.5
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 28.1 87.1 69.0 44.31992 25.8 54.2 65.0 27.51995 36.3 69.2 55.7 30.61998 32.4 75.9 58.5 22.12001 25.9 57.9 58.5 46.52004 32.9 106.6 79.6 30.92007 37.4 88.8 71.0 30.1
Three-year change (percent)1992 -8.2 -37.8 -5.8 -37.91995 40.7 27.7 -14.3 11.31998 -10.7 9.7 5.0 -27.82001 -20.1 -23.7 0.0 110.42004 27.0 84.1 36.1 -33.52007 13.7 -16.7 -10.8 -2.6
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with certificates of deposit
Percent of families with certificates of depositCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 22.6 13.9 13.7 26.81992 17.4 12.3 8.6 24.11995 18.6 8.9 8.7 20.11998 13.7 10.4 9.5 25.12001 15.4 11.9 9.7 23.92004 14.8 8.9 6.4 18.32007 18.2 11.5 9.2 22.5
Three-year change (percentage points)1992 -5.2 -1.6 -5.1 -2.71995 1.2 -3.4 0.1 -4.01998 -4.9 1.5 0.8 5.02001 1.7 1.5 0.2 -1.22004 -0.6 -3.0 -3.3 -5.62007 3.4 2.6 2.8 4.2
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 16.1 9.7 16.1 32.21992 11.6 13.0 8.7 28.91995 14.2 13.5 9.5 18.91998 14.6 12.7 10.2 28.02001 15.2 8.8 9.4 29.22004 16.5 13.2 6.4 24.22007 15.0 15.0 10.0 30.0
Three-year change (percent)1992 -28.0 34.0 -46.0 -10.21995 22.4 3.8 9.2 -34.61998 2.8 -5.9 7.4 48.12001 4.1 -30.7 -7.8 4.32004 8.6 50.0 -31.9 -17.12007 -9.1 13.6 56.2 24.0
20
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 47.7 36.8 39.1 68.01992 34.5 29.2 34.2 63.31995 63.8 30.8 24.1 53.71998 55.0 34.2 23.7 56.62001 44.7 26.2 21.6 57.92004 55.0 41.5 43.1 76.32007 57.9 41.2 21.4 69.4
Three-year change (percent)1992 -27.7 -20.7 -12.5 -6.91995 84.9 5.5 -29.5 -15.21998 -13.8 11.0 -1.7 5.42001 -18.7 -23.4 -8.9 2.32004 23.0 58.4 99.5 31.82007 5.3 -0.7 -50.3 -9.0
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with certificates of deposit
Percent of families with certificates of depositRegion
Year Northeast Midwest South WestLevel (percent)
1989 25.4 23.8 16.0 15.91992 17.7 19.0 15.6 14.91995 18.0 16.8 12.9 10.51998 16.0 18.1 14.3 13.32001 17.4 17.6 14.3 14.32004 15.3 14.9 11.7 9.72007 18.1 16.8 15.1 15.5
Three-year change (percentage points)1992 -7.7 -4.8 -0.4 -1.01995 0.3 -2.2 -2.7 -4.41998 -2.0 1.3 1.4 2.82001 1.4 -0.5 0.0 1.02004 -2.1 -2.7 -2.6 -4.62007 2.8 1.9 3.4 5.8
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 16.1 24.1 16.1 19.31992 14.5 14.5 14.5 34.71995 16.2 13.5 16.2 14.91998 14.0 25.5 19.1 15.32001 15.2 12.9 20.5 17.52004 19.8 11.4 15.4 24.22007 20.0 12.0 20.0 23.0
Three-year change (percent)1992 -9.9 -39.8 -9.9 79.81995 11.7 -6.9 11.7 -57.11998 -13.6 88.9 17.9 2.72001 8.6 -49.4 7.3 14.42004 30.3 -11.6 -24.9 38.32007 1.0 5.3 29.9 -5.0
30
40
50
60
70
80
90
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 47.0 56.3 46.7 69.31992 40.8 32.9 49.2 75.51995 44.5 41.7 56.7 50.01998 37.3 41.8 62.0 43.32001 41.5 32.5 49.0 52.22004 50.2 64.5 50.8 85.92007 47.2 48.9 61.0 62.6
Three-year change (percent)1992 -13.2 -41.6 5.4 8.91995 9.1 26.7 15.2 -33.81998 -16.2 0.2 9.3 -13.42001 11.3 -22.2 -21.0 20.62004 21.0 98.5 3.7 64.62007 -6.0 -24.2 20.1 -27.1
12
14
16
18
20
22
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with certificates of deposit
Percent of families with certificates of depositUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 19.3 22.21992 16.0 19.81995 14.1 15.51998 14.6 19.42001 15.0 20.02004 12.3 14.62007 16.2 15.9
Three-year change (percentage points)1992 -3.3 -2.41995 -1.9 -4.31998 0.5 3.92001 0.4 0.62004 -2.7 -5.42007 3.9 1.3
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 18.1 24.11992 14.5 23.21995 14.2 13.51998 16.9 25.52001 17.5 17.52004 16.5 16.52007 20.0 10.0
Three-year change (percent)1992 -19.9 -3.71995 -2.1 -41.81998 19.0 88.92001 3.6 -31.42004 -5.7 -5.72007 21.2 -39.4
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 52.2 57.31992 48.0 46.81995 50.4 38.01998 48.1 46.92001 44.6 39.92004 58.2 68.72007 60.0 33.9
Three-year change (percent)1992 -8.0 -18.31995 5.0 -18.81998 -4.6 23.42001 -7.3 -14.92004 30.5 72.22007 3.1 -50.7
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with certificates of deposit
Percent of families with certificates of depositHousing status
Year Owner Renter or otherLevel (percent)
1989 25.3 10.21992 21.6 8.11995 17.4 8.71998 18.9 8.32001 20.0 6.72004 15.9 5.62007 20.0 7.7
Three-year change (percentage points)1992 -3.7 -2.11995 -4.2 0.61998 1.5 -0.42001 1.1 -1.62004 -4.1 -1.12007 4.1 2.1
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 24.1 10.11992 16.6 10.91995 14.9 10.81998 22.9 12.72001 17.5 11.72004 22.0 7.72007 20.0 10.0
Three-year change (percent)1992 -31.1 7.91995 -10.2 -0.91998 53.7 17.62001 -23.6 -7.92004 25.7 -34.22007 -9.1 29.9
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 58.4 30.81992 49.9 37.61995 54.2 27.21998 52.9 25.72001 45.3 34.02004 65.3 28.12007 59.1 35.9
Three-year change (percent)1992 -14.6 22.11995 8.6 -27.71998 -2.4 -5.52001 -14.4 32.32004 44.2 -17.42007 -9.5 27.8
0
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with certificates of deposit
Percent of families with certificates of depositPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 1.1 14.3 25.8 34.2 44.31992 1.7 9.5 22.5 31.6 35.71995 1.8 8.7 17.7 27.1 32.31998 3.0 9.8 19.6 30.2 26.72001 1.8 8.9 23.2 30.0 26.92004 2.2 6.5 16.1 23.9 29.02007 2.5 9.9 19.4 32.5 32.9
Three-year change (percentage points)1992 0.6 -4.8 -3.3 -2.6 -8.61995 0.1 -0.8 -4.8 -4.5 -3.41998 1.2 1.1 1.9 3.1 -5.62001 -1.2 -0.9 3.6 -0.2 0.22004 0.4 -2.4 -7.1 -6.1 2.12007 0.3 3.4 3.3 8.6 3.9
0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of certificates of deposit for families with holdings
Median value of certificates of deposit for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 4.0 8.0 16.1 32.2 64.41992 2.3 7.2 14.5 26.0 43.41995 1.8 6.8 13.5 20.3 47.31998 1.9 7.9 19.1 31.8 56.02001 1.8 5.8 13.5 23.4 46.82004 2.2 6.4 11.4 34.0 50.52007 2.0 7.0 15.0 25.0 50.0
Three-year change (percent)1992 -42.5 -10.0 -9.9 -19.3 -32.61995 -21.7 -5.6 -6.9 -21.9 9.01998 5.6 16.2 41.5 56.7 18.42001 -5.3 -26.6 -29.3 -26.4 -16.42004 22.2 10.3 -15.6 45.3 7.92007 -9.1 9.4 31.6 -26.5 -1.0
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of certificates of deposit for families with holdings
Mean value of certificates of deposit for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 3.2 11.9 26.7 55.4 126.01992 3.5 12.3 23.0 52.9 108.81995 3.5 10.8 21.5 42.6 124.21998 3.3 12.5 28.7 53.6 118.32001 4.1 11.8 26.0 47.9 108.32004 3.8 9.5 26.5 61.8 144.32007 4.7 10.2 28.5 57.4 136.9
Three-year change (percent)1992 9.4 3.4 -13.9 -4.5 -13.71995 0.0 -12.2 -6.5 -19.5 14.21998 -5.7 15.7 33.5 25.8 -4.82001 24.2 -5.6 -9.4 -10.6 -8.52004 -7.3 -19.5 1.9 29.0 33.22007 23.7 7.4 7.5 -7.1 -5.1
14
16
18
20
22
24P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with savings bonds
Percent of families with savings bondsYear All families
Level (percent)1989 23.91992 22.31995 22.81998 19.32001 16.72004 17.62007 14.9
Three-year change (percentage points)1992 -1.61995 0.51998 -3.52001 -2.62004 0.92007 -2.7
.9
1
1.1
1.2
1.3
1.4
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 1.01992 0.91995 1.41998 1.32001 1.22004 1.12007 1.0
Three-year change (percent)1992 -10.01995 55.61998 -7.12001 -7.72004 -8.32007 -9.1
5
6
7
8
9
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 6.51992 5.11995 7.11998 6.02001 9.22004 6.32007 6.6
Three-year change (percent)1992 -21.51995 39.21998 -15.52001 53.32004 -31.52007 4.8
0
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with savings bonds
Percent of families with savings bondsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 4.3 14.3 25.1 35.0 46.0 35.41992 6.4 11.5 20.9 33.7 40.9 37.11995 5.2 14.4 22.1 31.5 42.2 39.21998 4.9 12.2 19.6 25.8 35.4 32.92001 3.8 11.0 14.1 24.4 30.3 29.72004 6.2 8.8 15.4 26.5 32.3 29.92007 3.6 8.5 15.2 20.9 26.2 26.1
Three-year change (percentage points)1992 2.1 -2.8 -4.2 -1.3 -5.1 1.71995 -1.2 2.9 1.2 -2.2 1.3 2.11998 -0.3 -2.2 -2.5 -5.7 -6.8 -6.32001 -1.1 -1.2 -5.5 -1.4 -5.1 -3.22004 2.4 -2.2 1.3 2.1 2.0 0.22007 -2.6 -0.3 -0.2 -5.6 -6.1 -3.8
.5
1
1.5
2
2.5
3
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 0.3 0.8 1.0 0.8 0.8 1.61992 0.4 0.4 0.7 0.8 1.3 1.41995 0.7 1.0 0.8 1.1 2.7 2.01998 1.7 1.3 0.6 0.9 1.8 1.32001 1.2 0.6 0.6 1.2 1.2 2.32004 0.4 0.7 0.9 1.1 0.9 2.22007 0.5 1.0 0.7 1.0 2.0 2.5
Three-year change (percent)1992 33.3 -50.0 -30.0 0.0 62.5 -12.51995 75.0 150.0 14.3 37.5 107.7 42.91998 142.9 30.0 -25.0 -18.2 -33.3 -35.02001 -29.4 -53.8 0.0 33.3 -33.3 76.92004 -66.7 16.7 50.0 -8.3 -25.0 -4.32007 25.0 42.9 -22.2 -9.1 122.2 13.6
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 6.4 5.6 6.7 5.7 3.4 12.71992 6.0 3.1 3.5 3.4 6.1 9.81995 7.3 7.9 4.8 5.6 7.2 11.51998 4.3 4.6 3.6 5.9 5.9 10.62001 5.1 5.9 3.3 12.1 4.4 18.32004 4.4 2.5 4.2 7.3 5.9 10.22007 3.2 7.0 5.0 4.9 4.4 14.1
Three-year change (percent)1992 -6.2 -44.6 -47.8 -40.4 79.4 -22.81995 21.7 154.8 37.1 64.7 18.0 17.31998 -41.1 -41.8 -25.0 5.4 -18.1 -7.82001 18.6 28.3 -8.3 105.1 -25.4 72.62004 -13.7 -57.6 27.3 -39.7 34.1 -44.32007 -27.3 180.0 19.0 -32.9 -25.4 38.2
10
15
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with savings bonds
Percent of families with savings bondsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 25.9 31.6 22.6 20.2 18.7 14.01992 22.9 29.3 25.2 19.4 13.8 14.31995 20.4 31.0 25.3 20.3 17.0 15.31998 17.2 24.9 21.8 18.1 16.1 12.02001 12.7 22.6 21.0 14.3 11.3 12.52004 15.3 23.3 21.0 15.2 14.9 11.02007 13.7 16.8 19.0 16.2 10.3 7.9
Three-year change (percentage points)1992 -3.0 -2.3 2.6 -0.8 -4.9 0.31995 -2.5 1.7 0.1 0.9 3.2 1.01998 -3.2 -6.1 -3.5 -2.2 -0.9 -3.32001 -4.5 -2.3 -0.8 -3.8 -4.8 0.52004 2.6 0.7 0.0 0.9 3.6 -1.52007 -1.6 -6.5 -2.0 1.0 -4.6 -3.1
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 0.8 0.8 0.8 2.9 2.4 4.81992 0.6 0.9 1.2 1.4 1.1 1.61995 0.7 1.4 1.4 2.0 2.0 6.51998 0.6 0.9 1.3 1.9 2.5 6.42001 0.4 1.2 1.2 2.9 2.3 3.52004 0.5 0.5 1.1 2.7 3.3 5.52007 0.7 1.0 1.0 1.9 1.0 20.0
Three-year change (percent)1992 -25.0 12.5 50.0 -51.7 -54.2 -66.71995 16.7 55.6 16.7 42.9 81.8 306.21998 -14.3 -35.7 -7.1 -5.0 25.0 -1.52001 -33.3 33.3 -7.7 52.6 -8.0 -45.32004 25.0 -58.3 -8.3 -6.9 43.5 57.12007 40.0 100.0 -9.1 -29.6 -69.7 263.6
0
10
20
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 1.9 3.1 4.5 12.0 20.0 20.61992 2.6 3.9 5.1 8.0 6.5 14.21995 2.6 4.7 5.8 10.1 17.0 19.31998 1.8 3.6 6.2 9.9 7.9 20.32001 1.6 6.9 9.9 7.4 12.3 32.42004 2.5 3.0 5.6 11.4 15.8 10.92007 1.6 4.4 4.0 9.8 12.9 26.1
Three-year change (percent)1992 36.8 25.8 13.3 -33.3 -67.5 -31.11995 0.0 20.5 13.7 26.2 161.5 35.91998 -30.8 -23.4 6.9 -2.0 -53.5 5.22001 -11.1 91.7 59.7 -25.3 55.7 59.62004 56.2 -56.5 -43.4 54.1 28.5 -66.42007 -36.0 46.7 -28.6 -14.0 -18.4 139.4
10
15
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with savings bonds
Percent of families with savings bondsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 16.9 13.5 12.0 36.1 22.81992 17.9 14.1 12.2 33.2 21.41995 14.3 12.1 11.6 36.2 22.61998 11.7 10.4 10.4 30.2 19.42001 13.4 7.9 10.2 26.7 14.72004 10.0 12.6 8.7 29.3 14.92007 10.9 9.4 9.6 24.0 11.6
Three-year change (percentage points)1992 1.0 0.6 0.2 -2.9 -1.41995 -3.6 -2.0 -0.6 3.0 1.21998 -2.6 -1.7 -1.2 -6.0 -3.22001 1.7 -2.5 -0.2 -3.5 -4.72004 -3.4 4.7 -1.5 2.6 0.22007 0.9 -3.2 0.9 -5.3 -3.3
0
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 1.3 1.0 4.3 0.8 2.01992 0.7 0.9 1.4 0.7 1.21995 0.9 1.4 4.6 0.8 1.61998 0.9 0.8 4.2 0.8 1.52001 0.6 0.6 4.7 1.2 1.82004 0.5 1.0 2.7 0.8 2.22007 1.0 1.5 4.0 1.0 1.5
Three-year change (percent)1992 -46.2 -10.0 -67.4 -12.5 -40.01995 28.6 55.6 228.6 14.3 33.31998 0.0 -42.9 -8.7 0.0 -6.22001 -33.3 -25.0 11.9 50.0 20.02004 -16.7 66.7 -42.6 -33.3 22.22007 100.0 50.0 48.1 25.0 -31.8
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 2.2 3.8 12.4 2.9 16.51992 4.8 3.7 6.2 3.5 8.71995 2.6 7.0 15.2 4.8 10.91998 3.4 4.4 14.1 3.9 9.12001 2.3 14.3 14.9 6.1 14.42004 2.4 4.0 6.1 5.1 11.72007 6.5 3.1 17.6 3.7 10.0
Three-year change (percent)1992 118.2 -2.6 -50.0 20.7 -47.31995 -45.8 89.2 145.2 37.1 25.31998 30.8 -37.1 -7.2 -18.8 -16.52001 -32.4 225.0 5.7 56.4 58.22004 4.3 -72.0 -59.1 -16.4 -18.82007 170.8 -22.5 188.5 -27.5 -14.5
5
10
15
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with savings bonds
Percent of families with savings bondsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 9.6 23.3 28.5 34.41992 8.2 19.5 26.6 31.51995 8.6 22.6 23.7 31.01998 7.4 17.9 19.7 26.42001 5.2 14.1 17.0 24.22004 4.2 14.2 19.3 24.92007 3.4 11.5 16.4 21.6
Three-year change (percentage points)1992 -1.4 -3.8 -1.9 -2.91995 0.4 3.1 -2.9 -0.51998 -1.2 -4.7 -4.0 -4.62001 -2.2 -3.8 -2.7 -2.22004 -1.0 0.1 2.3 0.72007 -0.8 -2.7 -2.9 -3.3
.5
1
1.5
2
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 1.1 0.9 1.0 0.81992 0.4 0.7 1.1 1.31995 1.4 0.9 1.0 1.61998 1.4 0.8 0.9 1.32001 0.5 0.8 1.3 1.82004 0.5 0.7 0.9 1.12007 1.0 1.0 1.0 1.1
Three-year change (percent)1992 -63.6 -22.2 10.0 62.51995 250.0 28.6 -9.1 23.11998 0.0 -11.1 -10.0 -18.82001 -64.3 0.0 44.4 38.52004 0.0 -12.5 -30.8 -38.92007 100.0 42.9 11.1 0.0
2
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 3.7 9.8 3.7 5.91992 2.2 3.5 6.5 5.81995 8.9 5.8 6.3 8.31998 4.6 4.8 4.3 7.72001 2.9 4.0 10.7 12.12004 2.5 4.1 7.2 7.32007 2.3 7.4 4.7 7.2
Three-year change (percent)1992 -40.5 -64.3 75.7 -1.71995 304.5 65.7 -3.1 43.11998 -48.3 -17.2 -31.7 -7.22001 -37.0 -16.7 148.8 57.12004 -13.8 2.5 -32.7 -39.72007 -8.0 80.5 -34.7 -1.4
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with savings bonds
Percent of families with savings bondsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 28.0 11.61992 26.0 11.21995 26.2 10.81998 22.3 9.42001 19.5 8.12004 21.1 8.52007 17.8 7.8
Three-year change (percentage points)1992 -2.0 -0.41995 0.2 -0.41998 -3.9 -1.42001 -2.8 -1.32004 1.6 0.42007 -3.3 -0.7
.6
.8
1
1.2
1.4
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 1.0 0.81992 0.9 0.71995 1.4 0.71998 1.3 0.92001 1.2 0.82004 1.1 0.72007 1.0 1.0
Three-year change (percent)1992 -10.0 -12.51995 55.6 0.01998 -7.1 28.62001 -7.7 -11.12004 -8.3 -12.52007 -9.1 42.9
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 6.9 3.91992 5.2 4.41995 7.5 3.81998 6.3 3.42001 9.6 5.92004 6.3 6.32007 7.1 3.7
Three-year change (percent)1992 -24.6 12.81995 44.2 -13.61998 -16.0 -10.52001 52.4 73.52004 -34.4 6.82007 12.7 -41.3
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with savings bonds
Percent of families with savings bondsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 29.8 23.8 15.8 3.91992 27.7 23.1 14.5 10.01995 26.6 25.8 15.2 12.81998 21.8 20.2 14.4 11.92001 19.4 16.6 11.4 7.52004 20.1 18.7 11.4 14.52007 17.0 15.9 10.2 10.7
Three-year change (percentage points)1992 -2.1 -0.7 -1.3 6.11995 -1.1 2.7 0.7 2.81998 -4.8 -5.6 -0.8 -0.92001 -2.4 -3.6 -3.0 -4.42004 0.7 2.1 0.0 7.02007 -3.1 -2.8 -1.2 -3.8
0
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 0.8 0.8 3.2 1.01992 0.8 0.7 1.4 0.71995 1.2 1.2 3.4 0.51998 0.8 1.1 3.2 1.02001 1.2 2.3 4.7 0.42004 0.8 2.1 3.3 2.22007 1.0 1.0 2.5 2.0
Three-year change (percent)1992 0.0 -12.5 -56.2 -30.01995 50.0 71.4 142.9 -28.61998 -33.3 -8.3 -5.9 100.02001 50.0 109.1 46.9 -60.02004 -33.3 -8.7 -29.8 450.02007 25.0 -52.4 -24.2 -9.1
0
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 3.3 11.4 17.6 1.41992 3.7 5.9 8.9 9.81995 5.0 6.8 17.0 2.31998 4.3 7.2 11.6 4.62001 4.7 20.3 22.1 2.02004 4.1 8.3 14.5 6.92007 4.5 6.2 15.8 3.6
Three-year change (percent)1992 12.1 -48.2 -49.4 600.01995 35.1 15.3 91.0 -76.51998 -14.0 5.9 -31.8 100.02001 9.3 181.9 90.5 -56.52004 -12.8 -59.1 -34.4 245.02007 9.8 -25.3 9.0 -47.8
10
15
20
25
30
35
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with savings bonds
Percent of families with savings bondsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 37.8 22.7 26.4 13.31992 33.4 27.1 19.6 13.41995 34.0 21.9 24.9 14.71998 24.4 19.9 20.2 14.02001 23.8 17.4 14.5 10.72004 25.5 18.5 13.8 11.82007 21.1 15.0 13.1 10.3
Three-year change (percentage points)1992 -4.4 4.4 -6.8 0.11995 0.6 -5.2 5.3 1.31998 -9.6 -2.0 -4.7 -0.72001 -0.6 -2.5 -5.7 -3.32004 1.7 1.1 -0.7 1.12007 -4.4 -3.5 -0.7 -1.5
.5
1
1.5
2
2.5
3
3.5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 0.8 0.8 0.8 2.41992 1.4 0.7 0.6 1.41995 1.4 1.1 0.8 2.41998 1.3 0.8 0.8 3.22001 1.2 1.1 0.8 3.52004 1.1 0.9 0.5 2.32007 1.0 1.0 0.7 2.0
Three-year change (percent)1992 75.0 -12.5 -25.0 -41.71995 0.0 57.1 33.3 71.41998 -7.1 -27.3 0.0 33.32001 -7.7 37.5 0.0 9.42004 -8.3 -18.2 -37.5 -34.32007 -9.1 11.1 40.0 -13.0
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 4.4 4.0 4.5 16.61992 5.9 2.7 2.9 9.11995 7.0 5.0 3.7 14.41998 6.8 3.6 3.4 10.52001 6.9 7.9 5.6 19.82004 5.6 3.3 4.7 13.12007 6.4 2.8 3.6 13.8
Three-year change (percent)1992 34.1 -32.5 -35.6 -45.21995 18.6 85.2 27.6 58.21998 -2.9 -28.0 -8.1 -27.12001 1.5 119.4 64.7 88.62004 -18.8 -58.2 -16.1 -33.82007 14.3 -15.2 -23.4 5.3
10
15
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with savings bonds
Percent of families with savings bondsRegion
Year Northeast Midwest South WestLevel (percent)
1989 32.2 24.2 18.0 24.81992 29.6 26.9 17.2 18.31995 31.2 25.7 19.0 17.91998 25.3 22.0 16.5 15.72001 21.1 22.9 12.0 14.12004 21.5 23.6 12.7 16.12007 18.9 16.0 12.0 15.0
Three-year change (percentage points)1992 -2.6 2.7 -0.8 -6.51995 1.6 -1.2 1.8 -0.41998 -5.9 -3.7 -2.5 -2.22001 -4.2 0.9 -4.5 -1.62004 0.4 0.7 0.7 2.02007 -2.6 -7.6 -0.7 -1.1
.6
.8
1
1.2
1.4
1.6
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 1.1 0.8 1.0 0.81992 0.9 0.7 0.9 1.41995 1.4 1.4 1.1 1.41998 1.3 1.3 0.9 0.62001 1.4 1.3 0.9 1.22004 1.6 0.9 1.1 0.72007 1.0 1.0 1.2 1.0
Three-year change (percent)1992 -18.2 -12.5 -10.0 75.01995 55.6 100.0 22.2 0.01998 -7.1 -7.1 -18.2 -57.12001 7.7 0.0 0.0 100.02004 14.3 -30.8 22.2 -41.72007 -37.5 11.1 9.1 42.9
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 7.8 7.6 5.5 4.81992 5.0 3.9 5.3 6.91995 6.7 8.1 6.6 7.11998 7.0 5.3 6.5 4.62001 5.8 7.8 4.5 22.52004 8.5 6.4 4.7 5.82007 7.4 4.7 6.4 8.1
Three-year change (percent)1992 -35.9 -48.7 -3.6 43.81995 34.0 107.7 24.5 2.91998 4.5 -34.6 -1.5 -35.22001 -17.1 47.2 -30.8 389.12004 46.6 -17.9 4.4 -74.22007 -12.9 -26.6 36.2 39.7
14
16
18
20
22
24
26
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with savings bonds
Percent of families with savings bondsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 25.6 16.61992 23.4 17.41995 23.8 17.01998 19.7 17.02001 16.4 18.22004 18.4 14.02007 15.1 13.8
Three-year change (percentage points)1992 -2.2 0.81995 0.4 -0.41998 -4.1 0.02001 -3.3 1.22004 2.0 -4.22007 -3.3 -0.2
.4
.6
.8
1
1.2
1.4
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 1.0 1.21992 1.0 0.41995 1.4 1.41998 1.3 0.82001 1.2 0.72004 1.1 1.12007 1.0 1.2
Three-year change (percent)1992 0.0 -66.71995 40.0 250.01998 -7.1 -42.92001 -7.7 -12.52004 -8.3 57.12007 -9.1 9.1
2
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 5.9 10.81992 5.4 3.41995 7.3 5.81998 6.3 3.92001 9.8 5.82004 6.7 4.22007 6.4 7.7
Three-year change (percent)1992 -8.5 -68.51995 35.2 70.61998 -13.7 -32.82001 55.6 48.72004 -31.6 -27.62007 -4.5 83.3
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with savings bonds
Percent of families with savings bondsHousing status
Year Owner Renter or otherLevel (percent)
1989 29.2 14.51992 27.4 13.21995 28.3 12.71998 23.3 11.52001 21.2 7.22004 21.2 9.52007 18.2 7.5
Three-year change (percentage points)1992 -1.8 -1.31995 0.9 -0.51998 -5.0 -1.22001 -2.1 -4.32004 0.0 2.32007 -3.0 -2.0
.4
.6
.8
1
1.2
1.4
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 1.0 0.81992 1.0 0.71995 1.4 1.41998 1.3 0.82001 1.4 0.42004 1.1 0.82007 1.0 0.7
Three-year change (percent)1992 0.0 -12.51995 40.0 100.01998 -7.1 -42.92001 7.7 -50.02004 -21.4 100.02007 -9.1 -12.5
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 7.7 2.41992 5.5 3.41995 7.6 5.41998 6.2 5.02001 9.3 8.72004 6.4 5.72007 6.9 4.7
Three-year change (percent)1992 -28.6 41.71995 38.2 58.81998 -18.4 -7.42001 50.0 74.02004 -31.2 -34.52007 7.8 -17.5
5
10
15
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with savings bonds
Percent of families with savings bondsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 8.7 19.3 32.7 36.3 32.51992 9.1 19.1 29.1 33.7 29.11995 8.3 19.9 27.6 34.6 36.41998 7.0 16.3 24.0 27.8 33.22001 4.3 13.0 23.4 25.9 26.12004 6.2 13.2 22.9 28.0 28.32007 4.8 12.3 17.6 25.9 23.2
Three-year change (percentage points)1992 0.4 -0.2 -3.6 -2.6 -3.41995 -0.8 0.8 -1.5 0.9 7.31998 -1.3 -3.6 -3.6 -6.8 -3.22001 -2.7 -3.3 -0.6 -1.9 -7.12004 1.9 0.2 -0.5 2.1 2.22007 -1.4 -0.9 -5.3 -2.1 -5.1
0
1
2
3
4
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of savings bonds for families with holdings
Median value of savings bonds for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 0.4 0.8 0.8 1.6 2.71992 0.3 0.6 0.7 1.4 2.91995 0.3 0.8 1.4 2.0 3.71998 0.5 0.6 1.3 2.5 2.52001 0.2 0.6 1.2 2.3 2.32004 0.3 0.5 1.1 1.9 2.72007 0.5 0.7 1.2 2.0 3.5
Three-year change (percent)1992 -25.0 -25.0 -12.5 -12.5 7.41995 0.0 33.3 100.0 42.9 27.61998 66.7 -25.0 -7.1 25.0 -32.42001 -60.0 0.0 -7.7 -8.0 -8.02004 50.0 -16.7 -8.3 -17.4 17.42007 66.7 40.0 9.1 5.3 29.6
0
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of savings bonds for families with holdings
Mean value of savings bonds for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.0 1.7 3.6 8.0 22.11992 0.7 2.0 2.5 7.0 16.61995 0.8 2.1 3.5 10.3 20.01998 0.8 1.8 4.2 10.6 11.42001 0.5 1.8 4.5 11.2 29.42004 0.8 2.9 3.0 9.8 15.02007 1.0 1.6 5.3 8.0 16.2
Three-year change (percent)1992 -30.0 17.6 -30.6 -12.5 -24.91995 14.3 5.0 40.0 47.1 20.51998 0.0 -14.3 20.0 2.9 -43.02001 -37.5 0.0 7.1 5.7 157.92004 60.0 61.1 -33.3 -12.5 -49.02007 25.0 -44.8 76.7 -18.4 8.0
1
2
3
4
5
6P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with directly held bonds
Percent of families with directly held bondsYear All families
Level (percent)1989 5.71992 4.31995 3.11998 3.02001 3.02004 1.82007 1.6
Three-year change (percentage points)1992 -1.41995 -1.21998 -0.12001 0.02004 -1.22007 -0.2
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 45.11992 43.41995 39.61998 57.12001 50.82004 71.42007 80.0
Three-year change (percent)1992 -3.81995 -8.81998 44.22001 -11.02004 40.62007 12.0
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 186.21992 197.11995 250.01998 247.12001 340.72004 600.82007 574.3
Three-year change (percent)1992 5.91995 26.81998 -1.22001 37.92004 76.32007 -4.4
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with directly held bonds
Percent of families with directly held bondsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 0.3 1.9 3.9 5.6 7.3 26.11992 0.7 2.1 2.2 4.5 6.0 17.61995 0.2 0.7 2.3 3.5 5.0 12.41998 0.7 1.4 2.7 2.9 3.2 10.82001 0.3 1.0 1.5 3.7 3.9 12.72004 0.0 0.1 1.1 2.1 2.9 8.92007 0.3 0.5 0.5 1.4 1.8 8.9
Three-year change (percentage points)1992 0.4 0.2 -1.7 -1.1 -1.3 -8.51995 -0.5 -1.4 0.1 -1.0 -1.0 -5.21998 0.5 0.7 0.4 -0.6 -1.8 -1.62001 -0.4 -0.4 -1.2 0.8 0.7 1.92004 -0.3 -0.9 -0.4 -1.6 -1.0 -3.82007 0.3 0.4 -0.6 -0.7 -1.1 0.0
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 20.9 40.2 25.8 31.4 43.5 56.31992 14.5 18.8 28.9 57.9 21.7 117.21995 27.4 50.2 33.8 39.2 20.3 67.61998 9.9 10.3 26.9 24.1 24.2 137.52001 34.7 23.4 11.7 46.8 58.5 103.72004 . 11.0 19.5 87.9 38.4 175.72007 10.0 45.5 100.0 19.0 81.0 250.0
Three-year change (percent)1992 -30.6 -53.2 12.0 84.4 -50.1 108.21995 89.0 167.0 17.0 -32.3 -6.5 -42.31998 -63.9 -79.5 -20.4 -38.5 19.2 103.42001 250.5 127.2 -56.5 94.2 141.7 -24.62004 . -53.0 66.7 87.8 -34.4 69.42007 . 313.6 412.8 -78.4 110.9 42.3
0
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 72.1 56.0 74.9 86.1 105.3 307.11992 21.1 25.0 44.4 110.7 56.6 382.61995 102.1 76.2 55.6 72.5 118.5 500.31998 47.3 113.5 76.5 97.1 67.8 531.32001 86.9 35.4 34.2 119.5 151.1 659.92004 . 7.8 59.7 194.2 190.4 1064.32007 79.6 40.5 176.1 82.9 143.8 950.5
Three-year change (percent)1992 -70.7 -55.4 -40.7 28.6 -46.2 24.61995 383.9 204.8 25.2 -34.5 109.4 30.81998 -53.7 49.0 37.6 33.9 -42.8 6.22001 83.7 -68.8 -55.3 23.1 122.9 24.22004 . -78.0 74.6 62.5 26.0 61.32007 . 419.2 195.0 -57.3 -24.5 -10.7
0
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with directly held bonds
Percent of families with directly held bondsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 1.5 4.1 5.2 9.8 12.1 8.11992 1.5 2.5 5.6 5.0 7.5 8.51995 0.6 1.7 4.5 3.1 5.7 7.01998 1.0 1.5 2.8 3.5 7.2 5.92001 0.4 2.1 2.8 6.1 3.9 5.72004 0.2 0.6 1.8 3.3 4.3 3.02007 0.3 0.7 1.1 2.1 4.2 3.5
Three-year change (percentage points)1992 0.0 -1.6 0.4 -4.8 -4.6 0.41995 -0.9 -0.8 -1.1 -1.9 -1.8 -1.51998 0.4 -0.2 -1.7 0.4 1.5 -1.12001 -0.6 0.6 0.0 2.6 -3.3 -0.22004 -0.2 -1.5 -1.0 -2.8 0.4 -2.72007 0.1 0.1 -0.7 -1.2 -0.1 0.5
0
100
200
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 11.3 16.1 16.1 56.3 56.3 46.71992 14.5 28.9 57.9 72.4 46.3 50.61995 2.7 14.9 33.8 13.5 67.6 54.11998 3.8 70.4 40.3 127.3 66.2 24.02001 10.5 16.0 70.2 70.2 83.5 40.92004 14.6 11.0 32.9 87.9 43.9 324.02007 1.0 9.7 200.0 90.8 50.0 100.0
Three-year change (percent)1992 28.3 79.5 259.6 28.6 -17.8 8.41995 -81.4 -48.4 -41.6 -81.4 46.0 6.91998 40.7 372.5 19.2 843.0 -2.1 -55.62001 176.3 -77.3 74.2 -44.9 26.1 70.42004 39.0 -31.2 -53.1 25.2 -47.4 692.22007 -93.2 -11.8 507.9 3.3 13.9 -69.1
0
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 27.7 177.2 176.5 140.5 186.8 382.51992 26.0 167.4 187.5 292.4 203.5 224.41995 26.5 196.2 164.4 400.0 354.8 239.01998 41.5 169.6 272.2 439.9 230.8 227.32001 379.3 84.1 432.9 405.5 463.3 271.72004 15.0 314.4 319.5 765.6 525.1 977.82007 115.0 361.2 1100.1 543.1 458.3 557.8
Three-year change (percent)1992 -6.1 -5.5 6.2 108.1 8.9 -41.31995 1.9 17.2 -12.3 36.8 74.3 6.51998 56.6 -13.6 65.6 10.0 -34.9 -4.92001 814.0 -50.4 59.0 -7.8 100.7 19.52004 -96.0 273.8 -26.2 88.8 13.3 259.92007 666.7 14.9 244.3 -29.1 -12.7 -43.0
0
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with directly held bonds
Percent of families with directly held bondsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 2.6 2.0 7.3 3.7 12.11992 1.4 2.1 4.6 4.0 7.21995 1.3 0.9 4.0 3.0 4.91998 1.0 1.9 4.7 2.3 4.32001 0.7 1.2 2.8 2.9 4.92004 0.4 0.4 2.6 1.7 3.02007 0.3 0.6 2.1 1.2 2.9
Three-year change (percentage points)1992 -1.2 0.1 -2.7 0.3 -4.91995 -0.1 -1.2 -0.6 -1.0 -2.31998 -0.3 1.0 0.7 -0.7 -0.62001 -0.3 -0.7 -1.9 0.6 0.62004 -0.3 -0.8 -0.2 -1.2 -1.92007 -0.1 0.2 -0.5 -0.5 -0.1
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 3.2 48.3 48.3 29.0 56.31992 7.2 35.7 43.4 42.7 46.31995 3.4 60.8 101.4 25.7 40.31998 166.8 19.1 27.4 57.1 70.42001 17.5 9.2 40.6 30.4 84.12004 20.6 32.9 68.1 35.1 98.82007 136.8 100.0 50.0 81.0 80.0
Three-year change (percent)1992 125.0 -26.1 -10.1 47.2 -17.81995 -52.8 70.3 133.6 -39.8 -13.01998 4805.9 -68.6 -73.0 122.2 74.72001 -89.5 -51.8 48.2 -46.8 19.52004 17.7 257.6 67.7 15.5 17.52007 564.1 204.0 -26.6 130.8 -19.0
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 16.7 104.1 121.9 223.3 222.71992 60.4 85.6 196.2 176.7 246.41995 83.3 110.4 281.6 242.6 277.41998 253.6 91.0 159.8 220.6 359.42001 10.8 248.0 187.4 305.8 433.52004 684.5 99.7 390.9 453.7 835.62007 624.6 486.4 300.0 663.5 650.1
Three-year change (percent)1992 261.7 -17.8 61.0 -20.9 10.61995 37.9 29.0 43.5 37.3 12.61998 204.4 -17.6 -43.3 -9.1 29.62001 -95.7 172.5 17.3 38.6 20.62004 6238.0 -59.8 108.6 48.4 92.82007 -8.8 387.9 -23.3 46.2 -22.2
0
5
10
15
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with directly held bonds
Percent of families with directly held bondsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 1.0 3.4 4.1 13.31992 1.2 2.1 4.3 8.21995 1.2 1.5 2.1 6.51998 0.8 1.1 2.4 6.12001 0.1 1.0 3.2 6.12004 0.4 0.4 0.6 4.12007 0.2 0.6 1.2 3.3
Three-year change (percentage points)1992 0.2 -1.3 0.2 -5.11995 0.0 -0.6 -2.2 -1.71998 -0.4 -0.4 0.3 -0.42001 -0.7 -0.1 0.8 0.02004 0.3 -0.6 -2.6 -2.02007 -0.2 0.2 0.6 -0.8
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 45.1 40.2 54.7 40.21992 43.4 18.8 57.9 50.61995 33.8 27.0 32.4 54.11998 10.6 60.4 88.5 57.32001 53.3 25.1 70.2 58.52004 68.1 22.0 168.6 87.92007 568.0 46.5 50.0 100.0
Three-year change (percent)1992 -3.8 -53.2 5.9 25.91995 -22.1 43.6 -44.0 6.91998 -68.6 123.7 173.1 5.92001 402.8 -58.4 -20.7 2.12004 27.8 -12.4 140.2 50.32007 734.1 111.4 -70.3 13.8
0
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 69.1 88.6 450.8 177.71992 144.0 94.7 138.2 243.21995 276.8 199.1 193.3 270.31998 197.9 199.2 393.3 227.42001 83.5 136.2 205.2 411.42004 341.3 259.5 855.8 621.42007 720.2 207.5 499.6 642.6
Three-year change (percent)1992 108.4 6.9 -69.3 36.91995 92.2 110.2 39.9 11.11998 -28.5 0.1 103.5 -15.92001 -57.8 -31.6 -47.8 80.92004 308.7 90.5 317.1 51.02007 111.0 -20.0 -41.6 3.4
0
2
4
6
8
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with directly held bonds
Percent of families with directly held bondsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 7.2 1.11992 5.3 1.21995 3.8 0.61998 3.7 0.42001 3.8 0.42004 2.5 0.12007 2.1 0.4
Three-year change (percentage points)1992 -1.9 0.11995 -1.5 -0.61998 -0.1 -0.22001 0.1 0.02004 -1.3 -0.32007 -0.4 0.3
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 45.1 40.21992 43.4 42.71995 39.6 36.51998 58.6 18.02001 58.5 8.92004 87.9 5.62007 95.9 23.1
Three-year change (percent)1992 -3.8 6.21995 -8.8 -14.51998 48.0 -50.72001 -0.2 -50.62004 50.3 -37.12007 9.1 312.5
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 192.3 72.41992 196.2 208.01995 249.1 269.51998 252.9 71.22001 350.7 69.72004 608.3 108.22007 613.6 108.6
Three-year change (percent)1992 2.0 187.31995 27.0 29.61998 1.5 -73.62001 38.7 -2.12004 73.5 55.22007 0.9 0.4
0
2
4
6
8
10
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with directly held bonds
Percent of families with directly held bondsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 3.9 10.4 8.7 1.51992 3.3 7.2 6.2 0.71995 2.5 5.3 4.2 0.31998 1.9 5.4 5.1 0.02001 2.0 6.1 4.5 0.62004 0.8 4.3 3.5 0.52007 0.9 4.2 2.3 0.5
Three-year change (percentage points)1992 -0.6 -3.2 -2.5 -0.81995 -0.8 -1.9 -2.0 -0.41998 -0.6 0.1 0.9 -0.32001 0.1 0.7 -0.6 0.62004 -1.2 -1.8 -1.0 -0.12007 0.1 -0.1 -1.2 0.0
0
500
1000
1500
2000
2500
3000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 16.1 56.3 48.3 64.41992 36.2 72.4 46.3 64.51995 24.0 67.6 52.7 118.81998 19.1 191.0 63.7 2865.62001 30.4 84.1 58.6 44.62004 27.5 142.8 98.8 12.82007 46.8 150.0 79.5 327.5
Three-year change (percent)1992 124.8 28.6 -4.1 0.21995 -33.7 -6.6 13.8 84.21998 -20.4 182.5 20.9 2312.12001 59.2 -56.0 -8.0 -98.42004 -9.5 69.8 68.6 -71.32007 70.2 5.0 -19.5 2458.6
0
500
1000
1500
2000
2500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 133.1 274.6 198.9 68.11992 142.6 293.6 213.5 120.41995 134.7 416.4 325.3 207.11998 146.6 475.0 221.6 2518.82001 235.6 500.6 351.9 423.52004 373.6 949.7 529.6 126.42007 594.3 724.0 430.1 855.0
Three-year change (percent)1992 7.1 6.9 7.3 76.81995 -5.5 41.8 52.4 72.01998 8.8 14.1 -31.9 1116.22001 60.7 5.4 58.8 -83.22004 58.6 89.7 50.5 -70.22007 59.1 -23.8 -18.8 576.4
0
2
4
6
8
10
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with directly held bonds
Percent of families with directly held bondsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 10.4 3.5 1.6 7.21992 8.4 2.4 0.9 4.91995 5.8 2.5 1.1 3.41998 4.9 1.6 0.8 4.32001 5.1 1.7 0.6 3.82004 3.1 0.3 0.2 3.02007 3.1 0.4 0.3 2.0
Three-year change (percentage points)1992 -2.0 -1.1 -0.7 -2.31995 -2.6 0.1 0.2 -1.51998 -0.9 -0.9 -0.3 0.92001 0.2 0.1 -0.2 -0.52004 -2.0 -1.4 -0.4 -0.82007 0.0 0.1 0.1 -1.0
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 32.2 11.3 16.1 48.31992 47.8 36.2 28.9 46.31995 56.1 39.2 12.0 52.71998 31.4 114.6 10.2 63.72001 50.8 23.4 35.1 58.52004 54.9 38.4 11.0 87.92007 80.0 123.2 1.0 95.9
Three-year change (percent)1992 48.4 220.4 79.5 -4.11995 17.4 8.3 -58.5 13.81998 -44.0 192.3 -15.0 20.92001 61.8 -79.6 244.1 -8.22004 8.1 64.1 -68.7 50.32007 45.7 220.8 -90.9 9.1
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 208.3 148.4 88.0 193.41992 197.6 151.6 212.2 210.11995 250.2 155.4 166.2 323.41998 285.3 315.6 65.7 223.12001 386.5 230.9 66.7 353.72004 719.8 550.3 7.5 519.42007 712.0 457.4 39.3 446.4
Three-year change (percent)1992 -5.1 2.2 141.1 8.61995 26.6 2.5 -21.7 53.91998 14.0 103.1 -60.5 -31.02001 35.5 -26.8 1.5 58.52004 86.2 138.3 -88.8 46.82007 -1.1 -16.9 424.0 -14.1
0
2
4
6
8
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with directly held bonds
Percent of families with directly held bondsRegion
Year Northeast Midwest South WestLevel (percent)
1989 7.6 5.9 4.0 6.31992 5.1 4.0 3.9 4.21995 3.6 3.4 2.6 2.91998 3.5 2.1 2.1 4.82001 4.1 2.5 2.9 2.62004 1.9 1.6 2.0 1.72007 2.0 1.2 1.7 1.6
Three-year change (percentage points)1992 -2.5 -1.9 -0.1 -2.11995 -1.5 -0.6 -1.3 -1.31998 -0.1 -1.3 -0.5 1.92001 0.6 0.4 0.8 -2.22004 -2.2 -0.9 -0.9 -0.92007 0.1 -0.4 -0.3 -0.1
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 48.3 48.3 32.2 32.21992 46.3 33.3 36.2 57.91995 40.6 45.0 38.6 33.81998 63.7 31.8 66.3 35.62001 99.4 22.3 45.5 19.32004 164.7 71.4 43.9 109.82007 114.7 49.3 100.0 60.0
Three-year change (percent)1992 -4.1 -31.1 12.4 79.81995 -12.3 35.1 6.6 -41.61998 56.9 -29.3 71.8 5.32001 56.0 -29.9 -31.4 -45.82004 65.7 220.2 -3.5 468.92007 -30.4 -31.0 127.8 -45.4
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 219.1 154.9 136.5 233.11992 251.1 190.2 175.9 173.71995 367.1 179.0 250.3 207.11998 323.5 217.4 284.4 182.72001 364.9 244.9 411.0 269.82004 791.4 619.6 492.4 605.12007 743.4 443.1 588.5 471.8
Three-year change (percent)1992 14.6 22.8 28.9 -25.51995 46.2 -5.9 42.3 19.21998 -11.9 21.5 13.6 -11.82001 12.8 12.6 44.5 47.72004 116.9 153.0 19.8 124.32007 -6.1 -28.5 19.5 -22.0
1
2
3
4
5
6
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with directly held bonds
Percent of families with directly held bondsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 6.4 2.51992 4.7 2.21995 3.4 1.21998 3.2 1.72001 3.1 1.92004 2.0 0.82007 1.8 0.8
Three-year change (percentage points)1992 -1.7 -0.31995 -1.3 -1.01998 -0.2 0.52001 -0.1 0.22004 -1.1 -1.12007 -0.2 0.0
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 46.1 16.11992 46.3 18.81995 38.6 121.71998 63.7 3.82001 58.5 46.82004 87.9 22.02007 100.0 50.0
Three-year change (percent)1992 0.4 16.81995 -16.6 547.31998 65.0 -96.92001 -8.2 1131.62004 50.3 -53.02007 13.8 127.3
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 196.8 69.81992 213.6 43.91995 245.3 323.51998 266.4 36.12001 352.5 217.32004 643.0 46.72007 615.8 113.7
Three-year change (percent)1992 8.5 -37.11995 14.8 636.91998 8.6 -88.82001 32.3 501.92004 82.4 -78.52007 -4.2 143.5
0
2
4
6
8
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with directly held bonds
Percent of families with directly held bondsHousing status
Year Owner Renter or otherLevel (percent)
1989 7.7 2.21992 5.9 1.31995 4.3 0.91998 3.8 1.32001 4.0 0.72004 2.6 0.22007 2.2 0.4
Three-year change (percentage points)1992 -1.8 -0.91995 -1.6 -0.41998 -0.5 0.42001 0.2 -0.62004 -1.4 -0.52007 -0.4 0.2
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 45.1 32.01992 43.4 36.21995 52.7 9.51998 52.8 63.72001 58.5 34.62004 71.4 142.82007 100.0 15.0
Three-year change (percent)1992 -3.8 13.11995 21.4 -73.81998 0.2 570.52001 10.8 -45.72004 22.1 312.72007 40.1 -89.5
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 201.6 89.11992 201.5 161.01995 261.1 148.51998 263.9 154.12001 361.6 97.52004 600.4 614.42007 601.7 243.4
Three-year change (percent)1992 -0.0 80.71995 29.6 -7.81998 1.1 3.82001 37.0 -36.72004 66.0 530.22007 0.2 -60.4
0
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with directly held bonds
Percent of families with directly held bondsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 0.0 1.3 2.8 11.0 29.91992 0.1 0.7 2.1 7.7 23.81995 0.2 0.5 1.4 4.9 18.11998 0.1 0.8 2.2 3.4 16.82001 0.1 0.3 1.0 5.3 18.32004 0.0 0.1 0.2 3.2 12.72007 0.1 0.2 0.5 1.5 11.7
Three-year change (percentage points)1992 0.1 -0.6 -0.7 -3.3 -6.11995 0.1 -0.2 -0.7 -2.8 -5.71998 -0.1 0.3 0.8 -1.5 -1.32001 0.0 -0.5 -1.2 1.9 1.52004 -0.1 -0.2 -0.8 -2.1 -5.62007 0.1 0.1 0.3 -1.7 -1.0
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of directly held bonds for families with holdings
Median value of directly held bonds for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 10.1 4.1 11.3 32.2 112.71992 10.5 5.2 15.9 28.9 126.61995 0.1 2.8 13.5 27.0 94.61998 0.1 3.7 12.7 31.8 127.32001 6.4 34.7 8.3 23.4 105.52004 . 14.6 16.5 27.5 122.02007 1.0 0.1 19.0 40.0 165.9
Three-year change (percent)1992 4.0 26.8 40.7 -10.2 12.31995 -99.0 -46.2 -15.1 -6.6 -25.31998 0.0 32.1 -5.9 17.8 34.62001 6300.0 837.8 -34.6 -26.4 -17.12004 . -57.9 98.8 17.5 15.62007 . -99.3 15.2 45.5 36.0
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of directly held bonds for families with holdings
Mean value of directly held bonds for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 10.1 10.1 15.4 41.9 325.81992 10.5 12.4 24.6 33.7 329.31995 12.0 7.1 21.7 42.1 404.31998 0.1 3.2 25.1 60.7 407.72001 6.5 34.1 21.8 41.1 530.32004 . 17.9 16.3 69.6 833.52007 1.0 3.5 22.2 51.2 773.7
Three-year change (percent)1992 4.0 22.8 59.7 -19.6 1.11995 14.3 -42.7 -11.8 24.9 22.81998 -99.2 -54.9 15.7 44.2 0.82001 6400.0 965.6 -13.1 -32.3 30.12004 . -47.5 -25.2 69.3 57.22007 . -80.4 36.2 -26.4 -7.2
15
16
17
18
19
20
21
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with directly held stocks
Percent of families with directly held stocksYear All families
Level (percent)1989 16.81992 17.01995 15.21998 19.22001 21.32004 20.72007 17.9
Three-year change (percentage points)1992 0.21995 -1.81998 4.02001 2.12004 -0.62007 -2.8
12
14
16
18
20
22
24
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 12.11992 11.61995 12.21998 22.32001 23.42004 16.52007 17.0
Three-year change (percent)1992 -4.11995 5.21998 82.82001 4.92004 -29.52007 3.0
100
120
140
160
180
200
220
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 92.81992 96.61995 126.21998 202.22001 224.92004 176.12007 221.1
Three-year change (percent)1992 4.11995 30.61998 60.22001 11.22004 -21.72007 25.6
0
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with directly held stocks
Percent of families with directly held stocksPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 2.1 9.2 12.4 18.7 28.7 54.81992 4.1 7.9 13.4 21.4 27.5 48.71995 2.8 9.4 11.7 18.0 27.7 40.91998 3.7 9.7 17.9 21.5 32.7 53.62001 3.8 11.2 16.4 26.2 37.0 60.62004 5.1 8.2 16.4 28.1 35.9 55.02007 5.5 7.8 14.0 23.2 30.5 47.5
Three-year change (percentage points)1992 2.0 -1.3 1.0 2.7 -1.2 -6.11995 -1.3 1.5 -1.7 -3.4 0.2 -7.81998 0.9 0.3 6.2 3.5 5.0 12.72001 0.1 1.5 -1.5 4.7 4.3 7.02004 1.3 -3.0 0.0 1.9 -1.1 -5.62007 0.4 -0.4 -2.4 -4.9 -5.4 -7.5
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 32.2 8.0 6.4 8.0 8.0 24.11992 7.5 5.8 6.9 7.2 7.6 36.21995 2.0 8.4 9.5 6.4 11.5 26.41998 19.1 12.7 9.5 19.1 22.9 63.72001 8.8 11.7 9.4 19.9 23.4 58.52004 6.6 8.8 13.2 11.0 16.5 64.52007 3.8 10.0 5.5 14.5 15.0 75.0
Three-year change (percent)1992 -76.7 -27.5 7.8 -10.0 -5.0 50.21995 -73.3 44.8 37.7 -11.1 51.3 -27.11998 855.0 51.2 0.0 198.4 99.1 141.32001 -53.9 -7.9 -1.1 4.2 2.2 -8.22004 -25.0 -24.8 40.4 -44.7 -29.5 10.32007 -42.4 13.6 -58.3 31.8 -9.1 16.3
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 59.4 17.7 38.2 48.1 51.1 197.51992 21.7 27.3 35.6 35.6 59.6 239.91995 33.3 46.4 40.5 38.4 78.9 334.41998 47.6 56.8 48.3 74.9 97.0 545.12001 25.9 48.8 52.9 101.1 107.0 587.22004 47.3 34.1 55.6 64.2 73.6 495.22007 85.6 53.0 51.4 95.5 77.5 622.9
Three-year change (percent)1992 -63.5 54.2 -6.8 -26.0 16.6 21.51995 53.5 70.0 13.8 7.9 32.4 39.41998 42.9 22.4 19.3 95.1 22.9 63.02001 -45.6 -14.1 9.5 35.0 10.3 7.72004 82.6 -30.1 5.1 -36.5 -31.2 -15.72007 81.0 55.4 -7.6 48.8 5.3 25.8
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with directly held stocks
Percent of families with directly held stocksAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 11.0 16.4 22.1 20.8 18.6 18.91992 10.8 19.4 18.7 22.0 16.2 19.41995 10.8 14.6 17.7 15.0 18.6 19.71998 13.1 18.9 22.6 25.0 21.1 18.02001 17.4 21.6 22.0 26.7 20.5 21.82004 13.3 18.5 23.2 29.1 25.4 18.42007 13.7 17.0 18.6 21.3 19.1 20.2
Three-year change (percentage points)1992 -0.2 3.0 -3.4 1.2 -2.4 0.51995 0.0 -4.8 -1.0 -7.0 2.4 0.31998 2.3 4.3 4.9 10.0 2.5 -1.72001 4.3 2.7 -0.6 1.7 -0.6 3.82004 -4.1 -3.1 1.2 2.4 4.9 -3.42007 0.4 -1.5 -4.6 -7.8 -6.3 1.8
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 4.8 5.8 8.0 32.2 40.2 40.21992 2.9 5.8 15.1 18.8 21.7 36.21995 4.1 6.1 13.5 26.2 27.0 24.31998 6.4 15.3 30.6 26.7 63.7 63.72001 6.7 17.5 17.5 46.8 99.4 70.22004 4.8 11.0 15.9 27.5 46.1 54.92007 3.0 15.0 18.5 24.0 38.0 40.0
Three-year change (percent)1992 -39.6 0.0 88.8 -41.6 -46.0 -10.01995 41.4 5.2 -10.6 39.4 24.4 -32.91998 56.1 150.8 126.7 1.9 135.9 162.12001 4.7 14.4 -42.8 75.3 56.0 10.22004 -28.4 -37.1 -9.1 -41.2 -53.6 -21.82007 -37.5 36.4 16.4 -12.7 -17.6 -27.1
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 21.3 37.8 83.9 114.1 189.5 185.71992 18.0 32.6 117.2 147.8 190.5 151.01995 14.9 59.5 106.0 234.2 203.6 234.31998 46.8 108.5 163.9 345.2 369.5 310.32001 75.7 96.5 225.1 350.1 412.0 381.42004 15.1 87.3 163.7 242.8 355.2 225.62007 24.4 92.0 225.8 270.4 475.2 365.9
Three-year change (percent)1992 -15.5 -13.8 39.7 29.5 0.5 -18.71995 -17.2 82.5 -9.6 58.5 6.9 55.21998 214.1 82.4 54.6 47.4 81.5 32.42001 61.8 -11.1 37.3 1.4 11.5 22.92004 -80.1 -9.5 -27.3 -30.6 -13.8 -40.82007 61.6 5.4 37.9 11.4 33.8 62.2
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with directly held stocks
Percent of families with directly held stocksFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 7.5 12.7 13.0 16.8 27.11992 8.1 12.1 15.3 19.9 21.61995 7.4 11.1 14.2 15.5 21.41998 8.5 14.3 15.7 22.9 24.22001 6.8 15.3 17.1 24.8 28.32004 7.7 14.6 18.2 23.6 27.92007 7.1 18.0 13.5 18.9 24.0
Three-year change (percentage points)1992 0.6 -0.6 2.3 3.1 -5.51995 -0.7 -1.0 -1.1 -4.4 -0.21998 1.1 3.2 1.5 7.4 2.82001 -1.7 1.0 1.4 1.9 4.12004 0.9 -0.7 1.1 -1.2 -0.42007 -0.6 3.4 -4.7 -4.7 -3.9
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 3.7 8.0 33.8 8.0 24.11992 4.5 5.8 17.4 10.1 18.11995 3.2 13.5 27.0 8.1 13.51998 19.1 12.7 35.6 19.1 31.82001 11.7 7.0 43.9 19.9 35.12004 6.6 9.3 30.4 11.0 28.62007 10.0 3.8 25.0 15.0 25.0
Three-year change (percent)1992 21.6 -27.5 -48.5 26.2 -24.91995 -28.9 132.8 55.2 -19.8 -25.41998 496.9 -5.9 31.9 135.8 135.62001 -38.7 -44.9 23.3 4.2 10.42004 -43.6 32.9 -30.8 -44.7 -18.52007 51.5 -59.1 -17.8 36.4 -12.6
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 22.3 48.4 94.5 69.2 140.91992 28.4 67.3 126.4 70.7 138.11995 34.4 36.0 224.1 84.8 170.61998 130.0 83.0 273.6 137.8 310.42001 33.7 122.2 257.3 187.7 297.52004 66.8 62.4 131.6 138.9 278.82007 150.9 51.8 189.6 183.5 340.4
Three-year change (percent)1992 27.4 39.0 33.8 2.2 -2.01995 21.1 -46.5 77.3 19.9 23.51998 277.9 130.6 22.1 62.5 81.92001 -74.1 47.2 -6.0 36.2 -4.22004 98.2 -48.9 -48.9 -26.0 -6.32007 125.9 -17.0 44.1 32.1 22.1
5
10
15
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with directly held stocks
Percent of families with directly held stocksEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 5.1 11.7 19.5 31.51992 4.5 11.1 19.2 29.41995 4.5 10.7 13.4 27.51998 5.0 12.9 20.6 31.42001 5.6 13.0 20.0 37.12004 4.7 12.4 17.7 35.32007 3.9 9.3 17.4 31.5
Three-year change (percentage points)1992 -0.6 -0.6 -0.3 -2.11995 0.0 -0.4 -5.8 -1.91998 0.5 2.2 7.2 3.92001 0.6 0.1 -0.6 5.72004 -0.9 -0.6 -2.3 -1.82007 -0.8 -3.1 -0.3 -3.8
0
10
20
30
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 11.3 8.9 8.0 16.11992 6.9 6.9 9.1 17.41995 6.4 8.8 8.4 14.91998 7.1 16.6 15.3 31.82001 10.2 9.6 17.5 33.92004 8.2 8.2 13.2 22.02007 2.7 10.0 6.0 25.0
Three-year change (percent)1992 -38.9 -22.5 13.8 8.11995 -7.2 27.5 -7.7 -14.41998 10.9 88.6 82.1 113.42001 43.7 -42.2 14.4 6.62004 -19.6 -14.6 -24.6 -35.12007 -67.1 22.0 -54.5 13.6
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 59.8 40.0 80.5 124.31992 48.4 54.1 75.3 124.21995 71.6 80.1 97.9 158.81998 50.7 140.5 139.1 261.62001 60.8 65.4 147.1 311.42004 80.0 68.4 94.4 233.32007 136.3 138.8 77.6 289.3
Three-year change (percent)1992 -19.1 35.2 -6.5 -0.11995 47.9 48.1 30.0 27.91998 -29.2 75.4 42.1 64.72001 19.9 -53.5 5.8 19.02004 31.6 4.6 -35.8 -25.12007 70.4 102.9 -17.8 24.0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with directly held stocks
Percent of families with directly held stocksRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 21.0 4.61992 20.6 5.91995 18.2 5.11998 22.2 9.12001 24.7 11.02004 25.5 8.02007 21.4 9.4
Three-year change (percentage points)1992 -0.4 1.31995 -2.4 -0.81998 4.0 4.02001 2.5 1.92004 0.8 -3.02007 -4.1 1.4
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 13.7 3.71992 11.6 7.21995 12.4 3.21998 25.5 11.12001 25.7 9.42004 19.8 5.82007 19.0 8.0
Three-year change (percent)1992 -15.3 94.61995 6.9 -55.61998 105.6 246.92001 0.8 -15.32004 -23.0 -38.32007 -4.0 37.9
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 97.7 26.11992 101.3 47.01995 130.6 73.21998 219.9 57.72001 249.6 55.02004 191.7 46.52007 251.5 55.1
Three-year change (percent)1992 3.7 80.11995 28.9 55.71998 68.4 -21.22001 13.5 -4.72004 -23.2 -15.52007 31.2 18.5
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with directly held stocks
Percent of families with directly held stocksCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 16.8 24.8 16.4 4.81992 18.3 25.7 14.5 4.51995 15.3 18.7 16.6 3.91998 19.5 26.5 17.2 8.32001 20.9 29.8 19.6 13.32004 19.6 31.6 19.0 14.32007 17.8 24.3 16.4 12.8
Three-year change (percentage points)1992 1.5 0.9 -1.9 -0.31995 -3.0 -7.0 2.1 -0.61998 4.2 7.8 0.6 4.42001 1.4 3.3 2.4 5.02004 -1.3 1.8 -0.6 1.02007 -1.8 -7.3 -2.6 -1.5
10
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 6.4 16.1 33.8 48.31992 7.2 15.1 23.8 11.61995 7.7 24.3 24.3 10.11998 12.7 66.2 59.4 22.32001 12.9 40.9 70.2 9.42004 11.0 27.5 49.4 5.52007 10.5 60.0 28.7 6.2
Three-year change (percent)1992 12.5 -6.2 -29.6 -76.01995 6.9 60.9 2.1 -12.91998 64.9 172.4 144.4 120.82001 1.6 -38.2 18.2 -57.82004 -14.7 -32.8 -29.6 -41.52007 -4.5 118.2 -41.9 12.7
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 48.1 165.4 148.0 93.11992 52.8 183.5 148.2 97.61995 82.3 211.1 186.1 43.51998 109.2 382.0 333.0 172.82001 119.4 399.1 375.9 316.12004 105.2 280.4 281.0 131.02007 133.4 491.4 304.3 69.3
Three-year change (percent)1992 9.8 10.9 0.1 4.81995 55.9 15.0 25.6 -55.41998 32.7 81.0 78.9 297.22001 9.3 4.5 12.9 82.92004 -11.9 -29.7 -25.2 -58.62007 26.8 75.2 8.3 -47.1
10
15
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with directly held stocks
Percent of families with directly held stocksCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 30.1 14.0 11.3 14.01992 30.1 16.1 12.1 12.11995 26.0 13.4 10.0 14.01998 29.8 18.7 13.5 15.72001 33.1 18.7 12.8 18.62004 32.9 15.6 13.0 18.22007 28.7 14.9 9.9 15.8
Three-year change (percentage points)1992 0.0 2.1 0.8 -1.91995 -4.1 -2.7 -2.1 1.91998 3.8 5.3 3.5 1.72001 3.3 0.0 -0.7 2.92004 -0.2 -3.1 0.2 -0.42007 -4.2 -0.7 -3.1 -2.4
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 14.3 5.6 6.4 33.81992 13.0 8.7 5.4 22.91995 13.5 7.0 5.4 23.01998 25.5 10.8 10.1 63.72001 25.7 11.7 6.7 65.52004 22.0 8.8 5.5 38.42007 20.0 12.0 4.0 25.0
Three-year change (percent)1992 -9.1 55.4 -15.6 -32.21995 3.8 -19.5 0.0 0.41998 88.9 54.3 87.0 177.02001 0.8 8.3 -33.7 2.82004 -14.4 -24.8 -17.9 -41.42007 -9.1 36.4 -27.3 -34.9
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 104.5 52.1 27.7 144.01992 115.8 61.7 18.3 143.71995 162.2 72.1 29.9 178.11998 248.8 116.1 44.1 318.52001 265.7 97.2 34.6 368.92004 196.5 117.6 21.3 262.72007 283.1 117.5 29.9 274.5
Three-year change (percent)1992 10.8 18.4 -33.9 -0.21995 40.1 16.9 63.4 23.91998 53.4 61.0 47.5 78.82001 6.8 -16.3 -21.5 15.82004 -26.0 21.0 -38.4 -28.82007 44.1 -0.1 40.4 4.5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with directly held stocks
Percent of families with directly held stocksRegion
Year Northeast Midwest South WestLevel (percent)
1989 21.8 17.8 13.1 16.81992 20.6 21.2 12.9 15.41995 19.1 16.2 13.9 12.81998 22.6 19.0 16.5 20.82001 21.5 21.5 19.6 23.82004 27.8 23.4 15.4 20.42007 21.4 17.9 15.4 19.2
Three-year change (percentage points)1992 -1.2 3.4 -0.2 -1.41995 -1.5 -5.0 1.0 -2.61998 3.5 2.8 2.6 8.02001 -1.1 2.5 3.1 3.02004 6.3 1.9 -4.2 -3.42007 -6.4 -5.5 0.0 -1.2
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 14.3 12.9 11.3 8.01992 11.6 10.1 9.1 17.41995 13.5 10.8 13.5 12.21998 25.5 14.0 25.5 19.12001 46.8 19.9 20.5 22.22004 16.5 13.2 17.6 19.82007 17.9 14.0 17.9 18.0
Three-year change (percent)1992 -18.9 -21.7 -19.5 117.51995 16.4 6.9 48.4 -29.91998 88.9 29.6 88.9 56.62001 83.5 42.1 -19.6 16.22004 -64.7 -33.7 -14.1 -10.82007 8.5 6.1 1.7 -9.1
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 90.5 94.7 89.4 97.91992 95.8 66.8 105.5 133.51995 140.3 111.8 119.8 138.81998 197.2 145.6 263.7 182.62001 295.4 199.8 203.0 222.92004 193.1 113.4 224.9 170.32007 269.0 219.5 196.7 211.0
Three-year change (percent)1992 5.9 -29.5 18.0 36.41995 46.5 67.4 13.6 4.01998 40.6 30.2 120.1 31.62001 49.8 37.2 -23.0 22.12004 -34.6 -43.2 10.8 -23.62007 39.3 93.6 -12.5 23.9
10
12
14
16
18
20
22
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with directly held stocks
Percent of families with directly held stocksUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 17.9 12.51992 18.3 11.21995 16.2 9.91998 20.2 13.32001 22.3 15.32004 22.6 11.02007 19.4 10.9
Three-year change (percentage points)1992 0.4 -1.31995 -2.1 -1.31998 4.0 3.42001 2.1 2.02004 0.3 -4.32007 -3.2 -0.1
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 11.3 12.91992 14.4 5.81995 12.6 8.81998 22.9 16.62001 23.4 12.92004 18.7 8.82007 19.0 11.0
Three-year change (percent)1992 27.4 -55.01995 -12.5 51.71998 81.7 88.62001 2.2 -22.32004 -20.1 -31.82007 1.6 25.0
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 95.5 76.31992 107.1 21.11995 134.6 47.31998 218.1 61.32001 240.9 79.62004 188.8 49.42007 238.3 72.9
Three-year change (percent)1992 12.1 -72.31995 25.7 124.21998 62.0 29.62001 10.5 29.92004 -21.6 -37.92007 26.2 47.6
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with directly held stocks
Percent of families with directly held stocksHousing status
Year Owner Renter or otherLevel (percent)
1989 22.7 6.41992 22.4 7.41995 19.2 7.91998 24.9 8.02001 27.0 9.32004 25.8 9.12007 22.4 8.1
Three-year change (percentage points)1992 -0.3 1.01995 -3.2 0.51998 5.7 0.12001 2.1 1.32004 -1.2 -0.22007 -3.4 -1.0
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 12.9 8.01992 14.5 4.61995 13.5 5.01998 25.5 10.22001 26.9 7.32004 22.0 4.92007 20.0 5.5
Three-year change (percent)1992 12.4 -42.51995 -6.9 8.71998 88.9 104.02001 5.5 -28.42004 -18.2 -32.92007 -9.1 12.2
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 98.0 60.21992 106.6 43.11995 141.7 57.41998 226.4 55.12001 245.1 101.32004 198.5 34.32007 243.3 87.1
Three-year change (percent)1992 8.8 -28.41995 32.9 33.21998 59.8 -4.02001 8.3 83.82004 -19.0 -66.12007 22.6 153.9
0
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with directly held stocks
Percent of families with directly held stocksPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 1.6 9.6 15.4 30.9 55.51992 2.3 8.4 17.2 30.9 53.51995 2.8 8.7 13.6 29.2 45.61998 3.2 9.3 18.9 36.4 58.72001 5.0 9.5 20.3 41.1 64.02004 3.7 9.3 20.8 39.4 62.92007 4.3 10.2 17.2 31.7 52.4
Three-year change (percentage points)1992 0.7 -1.2 1.8 0.0 -2.01995 0.5 0.3 -3.6 -1.7 -7.91998 0.4 0.6 5.3 7.2 13.12001 1.8 0.2 1.4 4.7 5.32004 -1.3 -0.2 0.5 -1.7 -1.12007 0.6 0.9 -3.6 -7.7 -10.5
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of directly held stocks for families with holdings
Median value of directly held stocks for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 0.3 2.7 4.8 19.3 48.31992 0.7 2.9 5.4 14.5 65.11995 0.8 2.4 6.4 13.5 67.61998 0.9 3.8 10.2 34.4 108.22001 1.5 3.7 9.6 29.2 142.72004 2.1 3.8 8.8 22.0 120.82007 1.1 3.0 6.0 20.0 125.0
Three-year change (percent)1992 133.3 7.4 12.5 -24.9 34.81995 14.3 -17.2 18.5 -6.9 3.81998 12.5 58.3 59.4 154.8 60.12001 66.7 -2.6 -5.9 -15.1 31.92004 40.0 2.7 -8.3 -24.7 -15.32007 -47.6 -21.1 -31.8 -9.1 3.5
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of directly held stocks for families with holdings
Mean value of directly held stocks for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.6 8.1 13.2 44.3 231.71992 1.5 5.9 11.9 29.7 269.01995 3.7 5.8 14.7 27.2 381.51998 2.5 8.1 21.3 53.3 590.32001 3.0 8.6 23.4 69.2 659.02004 3.9 7.4 17.1 47.9 515.22007 3.5 8.7 22.9 53.4 683.5
Three-year change (percent)1992 -6.2 -27.2 -9.8 -33.0 16.11995 146.7 -1.7 23.5 -8.4 41.81998 -32.4 39.7 44.9 96.0 54.72001 20.0 6.2 9.9 29.8 11.62004 30.0 -14.0 -26.9 -30.8 -21.82007 -10.3 17.6 33.9 11.5 32.7
8
10
12
14
16
18P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with pooled investment funds
Percent of families with pooled investment fundsYear All families
Level (percent)1989 7.21992 10.41995 12.31998 16.52001 17.72004 15.02007 11.4
Three-year change (percentage points)1992 3.21995 1.91998 4.22001 1.22004 -2.72007 -3.6
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 20.91992 23.21995 27.01998 31.82001 40.92004 44.42007 56.0
Three-year change (percent)1992 11.01995 16.41998 17.82001 28.62004 8.62007 26.1
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 76.61992 73.01995 126.91998 128.62001 152.92004 202.02007 309.7
Three-year change (percent)1992 -4.71995 73.81998 1.32001 18.92004 32.12007 53.3
0
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with pooled investment funds
Percent of families with pooled investment fundsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 0.8 2.6 6.4 7.2 15.0 23.11992 2.3 6.1 8.5 12.9 16.2 28.31995 1.5 5.2 9.8 16.0 22.0 36.21998 3.2 8.7 13.8 20.2 28.8 44.32001 3.6 9.5 15.7 20.6 29.0 48.82004 3.6 7.6 12.7 18.6 26.2 39.12007 3.4 4.6 7.1 14.6 18.9 35.5
Three-year change (percentage points)1992 1.5 3.5 2.1 5.7 1.2 5.21995 -0.8 -0.9 1.3 3.1 5.8 7.91998 1.7 3.5 4.0 4.2 6.8 8.12001 0.4 0.8 1.9 0.4 0.2 4.52004 0.0 -1.9 -3.0 -2.0 -2.8 -9.72007 -0.2 -3.0 -5.6 -4.0 -7.3 -3.6
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 22.5 16.1 9.7 16.1 12.9 37.01992 24.6 7.2 21.7 18.1 31.8 39.11995 33.8 10.5 14.9 17.6 31.1 67.61998 25.5 31.8 12.7 22.9 25.5 76.42001 24.6 28.1 28.1 35.1 32.7 102.32004 16.8 27.5 25.3 28.0 36.8 137.32007 30.0 30.0 37.5 35.0 46.0 180.0
Three-year change (percent)1992 9.3 -55.3 123.7 12.4 146.5 5.71995 37.4 45.8 -31.3 -2.8 -2.2 72.91998 -24.6 202.9 -14.8 30.1 -18.0 13.02001 -3.5 -11.6 121.3 53.3 28.2 33.92004 -31.7 -2.1 -10.0 -20.2 12.5 34.22007 78.6 9.1 48.2 25.0 25.0 31.1
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 24.6 33.3 28.7 50.7 30.0 163.31992 34.6 33.4 43.4 45.7 64.7 143.51995 53.1 76.1 77.5 79.8 95.7 234.51998 37.2 68.5 48.3 81.4 78.9 290.72001 75.4 53.4 75.5 85.8 108.4 335.82004 85.0 71.7 81.4 113.9 103.3 502.42007 103.8 66.7 110.9 137.3 125.3 731.8
Three-year change (percent)1992 40.7 0.3 51.2 -9.9 115.7 -12.11995 53.5 127.8 78.6 74.6 47.9 63.41998 -29.9 -10.0 -37.7 2.0 -17.6 24.02001 102.7 -22.0 56.3 5.4 37.4 15.52004 12.7 34.3 7.8 32.8 -4.7 49.62007 22.1 -7.0 36.2 20.5 21.3 45.7
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with pooled investment funds
Percent of families with pooled investment fundsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 2.0 7.6 9.6 10.2 9.4 11.31992 5.2 10.0 9.4 15.9 14.3 14.41995 8.0 11.2 16.3 16.3 15.0 10.31998 12.2 16.0 23.0 15.2 18.0 15.12001 11.5 17.5 20.2 21.3 19.9 19.52004 8.3 12.3 18.2 20.6 18.6 16.62007 5.3 11.6 12.6 14.3 14.6 13.2
Three-year change (percentage points)1992 3.2 2.4 -0.2 5.7 4.9 3.11995 2.8 1.2 6.9 0.4 0.7 -4.11998 4.2 4.8 6.7 -1.1 3.0 4.82001 -0.7 1.5 -2.8 6.1 1.9 4.42004 -3.2 -5.2 -2.0 -0.7 -1.3 -2.92007 -3.0 -0.7 -5.6 -6.3 -4.0 -3.4
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 1.9 6.4 19.3 40.2 26.6 48.31992 3.6 25.3 21.7 36.2 40.5 30.41995 7.4 13.5 28.4 75.7 74.4 67.61998 8.9 17.8 38.2 73.8 76.4 75.12001 10.5 20.5 45.0 70.2 81.9 81.92004 8.8 17.5 54.9 82.4 65.9 65.92007 18.0 22.5 50.0 112.0 86.0 75.0
Three-year change (percent)1992 89.5 295.3 12.4 -10.0 52.3 -37.11995 105.6 -46.6 30.9 109.1 83.7 122.41998 20.3 31.9 34.5 -2.5 2.7 11.12001 18.0 15.2 17.8 -4.9 7.2 9.12004 -16.2 -14.6 22.0 17.4 -19.5 -19.52007 104.5 28.6 -8.9 35.9 30.5 13.8
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 6.7 39.6 91.0 88.7 73.6 140.61992 11.0 50.0 57.0 125.2 98.9 75.71995 20.0 56.3 127.3 179.6 231.2 223.31998 23.9 94.6 123.2 223.7 246.3 144.32001 38.0 87.7 171.3 220.5 218.3 226.22004 27.7 192.0 204.1 319.9 201.2 185.82007 65.4 139.9 274.4 533.6 503.5 253.1
Three-year change (percent)1992 64.2 26.3 -37.4 41.1 34.4 -46.21995 81.8 12.6 123.3 43.5 133.8 195.01998 19.5 68.0 -3.2 24.6 6.5 -35.42001 59.0 -7.3 39.0 -1.4 -11.4 56.82004 -27.1 118.9 19.1 45.1 -7.8 -17.92007 136.1 -27.1 34.4 66.8 150.2 36.2
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with pooled investment funds
Percent of families with pooled investment fundsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 3.5 4.7 7.2 6.5 12.11992 4.3 5.4 12.6 10.3 15.31995 5.6 9.0 8.7 14.1 17.01998 7.2 13.3 12.4 18.3 22.52001 5.9 13.0 16.3 20.5 22.22004 6.3 11.9 16.2 14.7 20.72007 6.8 8.9 10.8 12.0 14.4
Three-year change (percentage points)1992 0.8 0.7 5.4 3.8 3.21995 1.3 3.6 -3.9 3.8 1.71998 1.6 4.3 3.7 4.2 5.52001 -1.3 -0.3 3.9 2.2 -0.32004 0.4 -1.1 -0.1 -5.8 -1.52007 0.5 -3.0 -5.4 -2.7 -6.3
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 16.1 4.8 27.4 14.5 29.11992 26.0 14.5 36.2 14.5 28.91995 21.6 7.4 101.4 20.3 40.61998 22.3 17.8 82.8 20.4 38.22001 35.1 23.4 58.5 29.2 61.42004 9.9 22.0 68.6 30.2 65.92007 46.0 16.0 77.0 50.0 62.5
Three-year change (percent)1992 61.5 202.1 32.1 0.0 -0.71995 -16.9 -49.0 180.1 40.0 40.51998 3.2 140.5 -18.3 0.5 -5.92001 57.4 31.5 -29.3 43.1 60.72004 -71.8 -6.0 17.3 3.4 7.32007 364.6 -27.3 12.2 65.6 -5.2
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 41.4 83.4 47.2 46.0 119.51992 49.6 33.5 88.4 57.2 91.41995 69.8 39.0 181.0 101.1 174.11998 122.4 63.5 161.5 98.3 175.42001 125.1 127.1 156.5 109.9 205.02004 137.7 92.0 134.6 250.0 236.12007 145.7 116.8 250.1 258.7 480.3
Three-year change (percent)1992 19.8 -59.8 87.3 24.3 -23.51995 40.7 16.4 104.8 76.7 90.51998 75.4 62.8 -10.8 -2.8 0.72001 2.2 100.2 -3.1 11.8 16.92004 10.1 -27.6 -14.0 127.5 15.22007 5.8 27.0 85.8 3.5 103.4
0
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with pooled investment funds
Percent of families with pooled investment fundsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 2.2 5.4 6.4 14.21992 2.6 7.1 11.2 18.11995 3.6 7.6 10.8 23.41998 3.0 10.5 15.6 29.52001 2.5 12.1 14.6 31.62004 2.3 9.2 12.6 26.12007 2.2 5.8 8.9 21.4
Three-year change (percentage points)1992 0.4 1.7 4.8 3.91995 1.0 0.5 -0.4 5.31998 -0.6 2.9 4.8 6.12001 -0.5 1.6 -1.0 2.12004 -0.2 -2.9 -2.0 -5.52007 -0.1 -3.4 -3.7 -4.7
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 19.3 16.1 9.7 25.81992 18.8 18.1 21.7 28.91995 21.0 15.8 21.9 35.11998 22.9 28.0 22.9 38.22001 39.8 23.4 43.9 46.82004 7.9 27.3 43.9 58.22007 64.0 30.0 25.0 75.0
Three-year change (percent)1992 -2.6 12.4 123.7 12.01995 11.7 -12.7 0.9 21.51998 9.0 77.2 4.6 8.82001 73.8 -16.4 91.7 22.52004 -80.2 16.7 0.0 24.42007 710.1 9.9 -43.1 28.9
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 48.7 49.9 29.3 104.11992 87.4 53.6 56.6 84.51995 55.7 72.2 180.5 136.51998 78.0 92.2 103.8 150.92001 121.4 85.9 130.0 183.92004 72.1 71.3 128.5 263.02007 233.2 128.8 125.4 397.7
Three-year change (percent)1992 79.5 7.4 93.2 -18.81995 -36.3 34.7 218.9 61.51998 40.0 27.7 -42.5 10.52001 55.6 -6.8 25.2 21.92004 -40.6 -17.0 -1.2 43.02007 223.4 80.6 -2.4 51.2
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with pooled investment funds
Percent of families with pooled investment fundsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 9.3 1.01992 12.8 3.21995 14.8 3.61998 18.9 8.32001 21.0 7.42004 18.9 5.02007 13.7 5.8
Three-year change (percentage points)1992 3.5 2.21995 2.0 0.41998 4.1 4.72001 2.1 -0.92004 -2.1 -2.42007 -5.2 0.8
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 19.3 32.21992 23.2 23.21995 28.4 8.61998 38.2 12.72001 46.8 20.52004 49.4 19.82007 64.0 30.0
Three-year change (percent)1992 20.2 -28.01995 22.4 -62.91998 34.5 47.72001 22.5 61.42004 5.6 -3.42007 29.6 51.5
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 77.6 47.81992 75.1 46.71995 132.3 49.11998 139.4 47.02001 163.4 63.02004 210.0 123.72007 346.2 103.0
Three-year change (percent)1992 -3.2 -2.31995 76.2 5.11998 5.4 -4.32001 17.2 34.02004 28.5 96.32007 64.9 -16.7
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with pooled investment funds
Percent of families with pooled investment fundsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 6.4 11.9 8.8 1.01992 10.3 14.7 11.5 2.01995 12.4 19.0 11.5 4.41998 16.6 24.8 14.8 4.82001 17.3 22.9 17.3 10.92004 13.5 22.3 16.2 10.22007 10.4 21.4 11.3 2.4
Three-year change (percentage points)1992 3.9 2.8 2.7 1.01995 2.1 4.3 0.0 2.41998 4.2 5.8 3.3 0.42001 0.7 -1.9 2.5 6.12004 -3.8 -0.6 -1.1 -0.72007 -3.1 -0.9 -4.9 -7.8
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 8.0 33.8 37.0 9.61992 17.4 36.2 36.2 15.31995 17.6 33.8 67.6 31.11998 20.4 50.9 70.0 22.32001 23.4 114.6 81.9 46.82004 27.5 65.9 82.4 17.52007 42.0 80.0 78.2 50.0
Three-year change (percent)1992 117.5 7.1 -2.2 59.41995 1.1 -6.6 86.7 103.31998 15.9 50.6 3.6 -28.32001 14.7 125.1 17.0 109.92004 17.5 -42.5 0.6 -62.62007 52.7 21.4 -5.1 185.7
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 46.4 167.0 73.8 12.81992 51.0 129.1 82.1 111.31995 83.5 181.2 201.6 92.21998 85.7 214.5 180.4 111.42001 95.6 305.1 211.9 72.52004 125.3 371.7 255.9 127.52007 203.6 536.4 365.2 250.1
Three-year change (percent)1992 9.9 -22.7 11.2 769.51995 63.7 40.4 145.6 -17.21998 2.6 18.4 -10.5 20.82001 11.6 42.2 17.5 -34.92004 31.1 21.8 20.8 75.92007 62.5 44.3 42.7 96.2
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with pooled investment funds
Percent of families with pooled investment fundsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 13.1 4.6 4.5 7.11992 18.5 8.2 6.1 9.21995 22.5 10.4 8.9 10.01998 28.5 13.3 11.6 13.12001 29.9 12.4 9.9 16.32004 24.3 9.7 8.1 15.32007 19.7 8.8 5.4 9.9
Three-year change (percentage points)1992 5.4 3.6 1.6 2.11995 4.0 2.2 2.8 0.81998 6.0 2.9 2.7 3.12001 1.4 -0.9 -1.7 3.22004 -5.6 -2.7 -1.8 -1.02007 -4.6 -0.9 -2.7 -5.4
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 19.3 4.8 11.3 32.21992 23.2 20.3 12.7 36.21995 31.1 18.9 11.8 67.61998 38.2 14.0 15.3 70.02001 40.9 26.3 14.0 76.02004 44.4 27.3 22.0 72.22007 75.0 40.0 18.0 78.2
Three-year change (percent)1992 20.2 322.9 12.4 12.41995 34.1 -6.9 -7.1 86.71998 22.8 -25.9 29.7 3.62001 7.1 87.9 -8.5 8.62004 8.6 3.8 57.1 -5.02007 68.9 46.5 -18.2 8.3
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 83.7 111.2 36.2 71.91992 73.3 85.8 23.5 83.61995 130.3 117.2 36.4 191.91998 155.8 81.7 47.1 176.12001 177.3 94.6 50.5 196.62004 236.5 124.1 61.7 242.62007 397.4 140.3 44.3 360.9
Three-year change (percent)1992 -12.4 -22.8 -35.1 16.31995 77.8 36.6 54.9 129.51998 19.6 -30.3 29.4 -8.22001 13.8 15.8 7.2 11.62004 33.4 31.2 22.2 23.42007 68.0 13.1 -28.2 48.8
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with pooled investment funds
Percent of families with pooled investment fundsRegion
Year Northeast Midwest South WestLevel (percent)
1989 8.2 10.3 3.8 8.41992 12.4 12.0 8.1 10.51995 13.1 14.1 10.5 12.51998 20.1 16.4 13.7 17.92001 20.5 18.9 15.3 17.72004 18.8 15.2 12.6 15.62007 15.5 10.6 9.7 11.5
Three-year change (percentage points)1992 4.2 1.7 4.3 2.11995 0.7 2.1 2.4 2.01998 7.0 2.3 3.2 5.42001 0.4 2.5 1.6 -0.22004 -1.7 -3.7 -2.7 -2.12007 -3.3 -4.6 -2.9 -4.1
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 20.6 16.1 38.6 22.51992 20.8 23.2 26.0 23.21995 33.8 20.3 21.6 38.91998 38.2 31.8 29.3 28.02001 46.8 37.4 50.3 33.12004 54.9 49.4 49.4 28.62007 50.0 37.5 70.0 58.8
Three-year change (percent)1992 1.0 44.1 -32.6 3.11995 62.5 -12.5 -16.9 67.71998 13.0 56.7 35.6 -28.02001 22.5 17.6 71.7 18.22004 17.3 32.1 -1.8 -13.62007 -8.9 -24.1 41.7 105.2
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 75.6 53.8 106.4 88.71992 75.1 87.9 63.5 62.81995 166.9 80.0 102.0 182.11998 131.1 124.2 133.8 123.82001 163.7 117.3 178.1 146.02004 203.6 196.9 221.1 180.12007 324.7 290.9 332.3 279.1
Three-year change (percent)1992 -0.7 63.4 -40.3 -29.21995 122.2 -9.0 60.6 190.01998 -21.4 55.2 31.2 -32.02001 24.9 -5.6 33.1 17.92004 24.4 67.9 24.1 23.42007 59.5 47.7 50.3 55.0
6
8
10
12
14
16
18
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with pooled investment funds
Percent of families with pooled investment fundsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 7.7 5.21992 11.3 6.31995 13.1 7.91998 17.8 8.82001 18.1 15.02004 16.4 8.52007 12.1 7.7
Three-year change (percentage points)1992 3.6 1.11995 1.8 1.61998 4.7 0.92001 0.3 6.22004 -1.7 -6.52007 -4.3 -0.8
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 21.4 16.11992 24.6 17.41995 28.4 13.91998 31.8 15.32001 40.9 23.42004 54.9 27.52007 60.0 34.0
Three-year change (percent)1992 15.0 8.11995 15.4 -20.11998 12.0 10.12001 28.6 52.92004 34.2 17.52007 9.3 23.6
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 82.0 42.21992 76.0 49.51995 135.8 40.41998 133.7 68.62001 159.3 105.32004 215.6 75.12007 336.5 105.3
Three-year change (percent)1992 -7.3 17.31995 78.7 -18.41998 -1.5 69.82001 19.1 53.52004 35.3 -28.72007 56.1 40.2
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with pooled investment funds
Percent of families with pooled investment fundsHousing status
Year Owner Renter or otherLevel (percent)
1989 10.0 2.31992 13.8 4.41995 16.0 5.51998 21.0 7.52001 22.7 7.12004 19.2 5.72007 15.0 3.5
Three-year change (percentage points)1992 3.8 2.11995 2.2 1.11998 5.0 2.02001 1.7 -0.42004 -3.5 -1.42007 -4.2 -2.2
0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 22.7 3.21992 26.0 14.51995 29.7 13.51998 38.2 15.32001 46.8 11.72004 54.9 11.02007 60.0 40.0
Three-year change (percent)1992 14.5 353.11995 14.2 -6.91998 28.6 13.32001 22.5 -23.52004 17.3 -6.02007 9.3 263.6
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 83.4 24.51992 79.1 39.41995 130.9 105.41998 143.2 48.62001 167.2 57.22004 221.1 59.92007 329.4 121.9
Three-year change (percent)1992 -5.2 60.81995 65.5 167.51998 9.4 -53.92001 16.8 17.72004 32.2 4.72007 49.0 103.5
0
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with pooled investment funds
Percent of families with pooled investment fundsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 0.2 3.1 6.7 11.9 29.41992 0.6 4.3 10.2 21.5 34.21995 1.9 5.2 11.4 23.5 41.71998 2.1 8.7 15.3 35.5 46.32001 2.5 7.3 17.5 35.9 54.52004 2.0 7.2 12.5 32.7 47.02007 1.0 3.6 10.4 22.8 42.2
Three-year change (percentage points)1992 0.4 1.2 3.5 9.6 4.81995 1.3 0.9 1.2 2.0 7.51998 0.2 3.5 3.9 12.0 4.62001 0.4 -1.4 2.2 0.4 8.22004 -0.5 -0.1 -5.0 -3.2 -7.52007 -1.0 -3.6 -2.1 -9.9 -4.8
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of pooled investment funds for families with holdings
Median value of pooled investment funds for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 2.1 2.6 9.7 21.1 48.31992 2.0 5.9 13.0 23.2 72.41995 2.7 4.7 13.5 28.4 109.51998 1.9 7.6 17.8 44.9 140.02001 2.3 5.8 17.5 44.4 174.32004 2.2 8.1 17.6 57.1 181.22007 2.5 9.0 25.0 50.0 264.0
Three-year change (percent)1992 -4.8 126.9 34.0 10.0 49.91995 35.0 -20.3 3.8 22.4 51.21998 -29.6 61.7 31.9 58.1 27.92001 21.1 -23.7 -1.7 -1.1 24.52004 -4.3 39.7 0.6 28.6 4.02007 13.6 11.1 42.0 -12.4 45.7
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of pooled investment funds for families with holdings
Mean value of pooled investment funds for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 2.5 6.6 15.4 33.9 157.21992 3.4 8.6 18.0 39.9 168.01995 3.0 8.0 24.4 50.9 311.91998 5.1 11.9 30.3 71.7 344.02001 3.3 13.0 31.0 77.7 388.82004 3.3 11.3 34.7 91.2 523.72007 3.5 14.0 37.8 91.7 734.9
Three-year change (percent)1992 36.0 30.3 16.9 17.7 6.91995 -11.8 -7.0 35.6 27.6 85.71998 70.0 48.8 24.2 40.9 10.32001 -35.3 9.2 2.3 8.4 13.02004 0.0 -13.1 11.9 17.4 34.72007 6.1 23.9 8.9 0.5 40.3
20
25
30
35
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with cash value life insurance
Percent of families with cash value life insuranceYear All families
Level (percent)1989 35.51992 34.91995 32.01998 29.62001 28.02004 24.22007 23.0
Three-year change (percentage points)1992 -0.61995 -2.91998 -2.42001 -1.62004 -3.82007 -1.2
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 4.81992 4.51995 6.81998 9.32001 11.72004 6.62007 8.0
Three-year change (percent)1992 -6.21995 51.11998 36.82001 25.82004 -43.62007 21.2
15
20
25
30
35
40
45
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 17.51992 17.01995 27.71998 36.72001 42.22004 25.32007 31.3
Three-year change (percent)1992 -2.91995 62.91998 32.52001 15.02004 -40.02007 23.7
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with cash value life insurance
Percent of families with cash value life insurancePercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 13.3 26.3 34.4 48.6 50.9 58.81992 15.9 25.7 34.8 45.1 50.1 55.71995 15.6 26.5 29.0 40.2 46.0 51.21998 16.6 22.2 27.7 34.7 44.3 49.02001 13.8 24.7 25.6 35.7 38.6 41.82004 14.0 19.0 24.4 29.7 29.6 38.12007 12.8 16.4 21.6 29.4 30.6 38.9
Three-year change (percentage points)1992 2.6 -0.6 0.4 -3.5 -0.8 -3.11995 -0.3 0.8 -5.8 -4.9 -4.1 -4.51998 1.0 -4.3 -1.3 -5.5 -1.7 -2.22001 -2.8 2.5 -2.1 1.0 -5.7 -7.22004 0.2 -5.7 -1.2 -6.0 -9.0 -3.72007 -1.2 -2.6 -2.8 -0.3 1.0 0.8
0
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 1.4 3.2 3.2 5.2 7.2 16.11992 1.4 2.7 3.3 5.0 7.2 14.51995 2.2 4.1 4.7 8.1 12.4 13.51998 5.1 6.4 5.3 9.5 12.7 22.92001 4.2 7.3 8.2 14.0 11.7 28.12004 3.1 4.1 5.5 7.7 11.0 22.02007 2.5 5.0 5.2 10.0 9.0 28.1
Three-year change (percent)1992 0.0 -15.6 3.1 -3.8 0.0 -9.91995 57.1 51.9 42.4 62.0 72.2 -6.91998 131.8 56.1 12.8 17.3 2.4 69.62001 -17.6 14.1 54.7 47.4 -7.9 22.72004 -26.2 -43.8 -32.9 -45.0 -6.0 -21.72007 -19.4 22.0 -5.5 29.9 -18.2 27.7
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 8.4 7.1 8.4 13.7 17.9 47.41992 4.8 11.2 12.8 13.3 18.9 38.91995 8.9 14.7 17.5 26.1 34.1 61.11998 9.3 16.2 23.8 35.5 50.4 77.82001 10.8 17.9 31.4 43.2 50.8 95.32004 12.3 8.1 12.2 19.1 21.8 81.42007 10.8 21.4 18.9 20.4 24.8 88.2
Three-year change (percent)1992 -42.9 57.7 52.4 -2.9 5.6 -17.91995 85.4 31.2 36.7 96.2 80.4 57.11998 4.5 10.2 36.0 36.0 47.8 27.32001 16.1 10.5 31.9 21.7 0.8 22.52004 13.9 -54.7 -61.1 -55.8 -57.1 -14.62007 -12.2 164.2 54.9 6.8 13.8 8.4
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with cash value life insurance
Percent of families with cash value life insuranceAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 24.8 41.3 41.2 43.3 38.7 28.71992 25.5 36.0 38.5 42.3 39.4 34.91995 22.8 29.3 38.4 37.4 37.5 35.81998 18.0 29.0 32.9 35.8 39.1 32.62001 15.0 27.0 31.1 35.7 36.7 33.32004 11.0 20.1 26.0 32.1 34.8 34.02007 11.4 17.5 22.3 35.2 34.4 27.6
Three-year change (percentage points)1992 0.7 -5.3 -2.7 -1.0 0.7 6.21995 -2.7 -6.7 -0.1 -4.9 -1.9 0.91998 -4.8 -0.3 -5.5 -1.6 1.6 -3.22001 -3.0 -2.0 -1.8 -0.1 -2.4 0.72004 -4.0 -6.9 -5.1 -3.6 -1.9 0.72007 0.4 -2.6 -3.7 3.1 -0.4 -6.4
2
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 2.9 5.3 7.2 8.0 3.2 3.21992 2.7 5.0 6.5 9.7 3.3 2.71995 4.7 7.2 10.6 7.2 6.8 6.81998 3.4 10.8 12.7 12.1 10.8 6.42001 11.7 10.5 12.9 11.7 10.2 8.22004 3.3 5.5 8.8 11.0 8.8 5.52007 2.8 8.3 10.0 10.0 10.0 5.0
Three-year change (percent)1992 -6.9 -5.7 -9.7 21.2 3.1 -15.61995 74.1 44.0 63.1 -25.8 106.1 151.91998 -27.7 50.0 19.8 68.1 58.8 -5.92001 244.1 -2.8 1.6 -3.3 -5.6 28.12004 -71.8 -47.6 -31.8 -6.0 -13.7 -32.92007 -15.2 50.9 13.6 -9.1 13.6 -9.1
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 11.6 18.9 20.0 23.0 13.7 16.91992 10.8 17.7 17.7 31.3 12.5 8.61995 24.0 26.8 38.7 25.6 27.1 17.71998 31.8 48.6 43.0 28.5 37.7 16.52001 53.5 38.0 59.4 38.5 27.2 28.72004 11.3 22.6 25.9 30.1 31.1 24.92007 15.2 24.1 38.1 33.6 34.3 33.7
Three-year change (percent)1992 -6.9 -6.3 -11.5 36.1 -8.8 -49.11995 122.2 51.4 118.6 -18.2 116.8 105.81998 32.5 81.3 11.1 11.3 39.1 -6.82001 68.2 -21.8 38.1 35.1 -27.9 73.92004 -78.9 -40.5 -56.4 -21.8 14.3 -13.22007 34.5 6.6 47.1 11.6 10.3 35.3
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with cash value life insurance
Percent of families with cash value life insuranceFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 20.0 19.4 22.7 45.8 46.61992 27.9 21.8 27.4 41.4 42.71995 23.9 20.7 26.2 36.2 40.21998 20.9 14.9 24.9 34.1 39.52001 21.6 17.0 22.6 32.1 34.22004 18.2 13.6 28.9 24.4 30.22007 21.6 10.2 22.0 23.5 30.2
Three-year change (percentage points)1992 7.9 2.4 4.7 -4.4 -3.91995 -4.0 -1.1 -1.2 -5.2 -2.51998 -3.0 -5.8 -1.3 -2.1 -0.72001 0.7 2.1 -2.3 -2.0 -5.32004 -3.4 -3.4 6.3 -7.7 -4.02007 3.4 -3.4 -6.9 -0.9 0.0
2
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 2.1 3.4 1.6 5.8 8.01992 2.9 4.3 1.9 6.5 5.81995 3.9 4.7 4.1 8.8 9.51998 7.6 8.0 6.4 11.1 10.22001 6.4 9.2 7.0 14.0 11.72004 2.2 5.5 3.5 8.8 11.02007 4.0 5.5 5.0 9.5 10.0
Three-year change (percent)1992 38.1 26.5 18.8 12.1 -27.51995 34.5 9.3 115.8 35.4 63.81998 94.9 70.2 56.1 26.1 7.42001 -15.8 15.0 9.4 26.1 14.72004 -65.6 -40.2 -50.0 -37.1 -6.02007 81.8 0.0 42.9 8.0 -9.1
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 5.9 9.3 7.6 19.5 22.51992 12.7 15.7 5.8 21.4 17.41995 23.2 15.5 18.2 33.8 29.31998 27.1 16.7 18.4 50.0 35.32001 42.9 40.9 19.7 52.4 38.92004 21.2 11.4 8.4 27.4 37.22007 17.9 18.5 23.1 32.9 39.6
Three-year change (percent)1992 115.3 68.8 -23.7 9.7 -22.71995 82.7 -1.3 213.8 57.9 68.41998 16.8 7.7 1.1 47.9 20.52001 58.3 144.9 7.1 4.8 10.22004 -50.6 -72.1 -57.4 -47.7 -4.42007 -15.6 62.3 175.0 20.1 6.5
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with cash value life insurance
Percent of families with cash value life insuranceEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 26.9 33.3 35.1 45.71992 18.6 34.7 38.8 43.21995 20.7 32.0 31.4 39.11998 19.4 29.7 28.0 35.42001 20.3 24.4 28.4 34.72004 13.7 23.0 23.8 29.52007 12.6 22.6 23.4 27.1
Three-year change (percentage points)1992 -8.3 1.4 3.7 -2.51995 2.1 -2.7 -7.4 -4.11998 -1.3 -2.3 -3.4 -3.72001 0.9 -5.3 0.4 -0.72004 -6.6 -1.4 -4.6 -5.22007 -1.1 -0.4 -0.4 -2.4
0
5
10
15
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 2.1 3.2 5.6 7.61992 2.5 3.6 4.3 7.21995 5.1 6.8 6.8 9.51998 4.5 6.4 8.3 12.72001 7.0 8.8 11.7 15.22004 3.5 5.5 5.9 11.02007 2.5 5.2 8.0 13.0
Three-year change (percent)1992 19.0 12.5 -23.2 -5.31995 104.0 88.9 58.1 31.91998 -11.8 -5.9 22.1 33.72001 55.6 37.5 41.0 19.72004 -50.0 -37.5 -49.6 -27.62007 -28.6 -5.5 35.6 18.2
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 9.0 11.8 18.1 26.41992 10.5 13.5 17.2 21.31995 22.2 21.8 21.0 37.81998 9.0 25.3 29.0 56.72001 17.7 29.7 39.7 58.32004 8.3 15.9 21.7 36.12007 10.1 19.6 21.5 48.4
Three-year change (percent)1992 16.7 14.4 -5.0 -19.31995 111.4 61.5 22.1 77.51998 -59.5 16.1 38.1 50.02001 96.7 17.4 36.9 2.82004 -53.1 -46.5 -45.3 -38.12007 21.7 23.3 -0.9 34.1
15
20
25
30
35
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with cash value life insurance
Percent of families with cash value life insuranceRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 40.0 22.31992 38.6 23.51995 34.1 24.81998 32.2 20.82001 29.9 22.02004 26.8 17.42007 25.3 17.6
Three-year change (percentage points)1992 -1.4 1.21995 -4.5 1.31998 -1.9 -4.02001 -2.3 1.22004 -3.1 -4.62007 -1.5 0.2
2
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 5.2 2.81992 4.5 4.51995 6.8 7.21998 10.2 6.42001 11.7 10.22004 7.7 5.52007 9.0 5.0
Three-year change (percent)1992 -13.5 60.71995 51.1 60.01998 50.0 -11.12001 14.7 59.42004 -34.2 -46.12007 16.9 -9.1
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 18.6 11.41992 16.7 18.31995 26.6 32.91998 36.5 37.52001 44.6 32.32004 26.6 20.12007 34.4 20.3
Three-year change (percent)1992 -10.2 60.51995 59.3 79.81998 37.2 14.02001 22.2 -13.92004 -40.4 -37.82007 29.3 1.0
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with cash value life insurance
Percent of families with cash value life insuranceCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 37.1 47.5 32.8 11.91992 36.7 41.1 34.2 16.31995 32.2 41.9 32.1 13.31998 27.5 39.5 32.5 17.22001 27.4 34.6 29.0 12.92004 21.8 29.8 29.7 10.72007 20.3 32.1 27.3 14.5
Three-year change (percentage points)1992 -0.4 -6.4 1.4 4.41995 -4.5 0.8 -2.1 -3.01998 -4.7 -2.4 0.4 3.92001 -0.1 -4.9 -3.5 -4.32004 -5.6 -4.8 0.7 -2.22007 -1.5 2.3 -2.4 3.8
0
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 4.8 9.7 3.2 1.61992 4.6 9.3 3.3 6.91995 7.4 8.1 6.1 4.71998 8.9 14.6 7.1 8.92001 11.1 19.9 10.5 11.72004 5.9 11.5 5.5 9.22007 7.5 24.0 5.5 2.2
Three-year change (percent)1992 -4.2 -4.1 3.1 331.21995 60.9 -12.9 84.8 -31.91998 20.3 80.2 16.4 89.42001 24.7 36.3 47.9 31.52004 -46.8 -42.2 -47.6 -21.42007 27.1 108.7 0.0 -76.1
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 16.7 31.8 11.7 4.51992 17.0 27.5 10.3 26.61995 28.0 44.0 19.0 21.81998 36.3 64.2 22.1 35.52001 39.0 72.4 28.4 82.32004 19.8 53.1 22.7 9.52007 25.0 59.4 30.8 9.2
Three-year change (percent)1992 1.8 -13.5 -12.0 491.11995 64.7 60.0 84.5 -18.01998 29.6 45.9 16.3 62.82001 7.4 12.8 28.5 131.82004 -49.2 -26.7 -20.1 -88.52007 26.3 11.9 35.7 -3.2
20
25
30
35
40
45
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with cash value life insurance
Percent of families with cash value life insuranceCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 46.5 32.1 38.0 28.51992 44.0 34.9 33.1 30.01995 41.2 29.9 31.3 28.31998 31.4 29.4 27.6 29.82001 31.6 28.4 25.1 26.42004 27.5 21.9 18.7 26.82007 24.9 21.3 19.0 25.3
Three-year change (percentage points)1992 -2.5 2.8 -4.9 1.51995 -2.8 -5.0 -1.8 -1.71998 -9.8 -0.5 -3.7 1.52001 0.2 -1.0 -2.5 -3.42004 -4.1 -6.5 -6.4 0.42007 -2.6 -0.6 0.3 -1.5
4
6
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 7.7 3.4 4.8 3.21992 6.5 4.3 4.6 3.51995 10.1 6.8 7.2 5.71998 12.7 10.8 7.1 7.62001 15.2 8.8 11.7 10.52004 11.0 5.5 5.5 5.52007 13.0 9.0 5.0 5.0
Three-year change (percent)1992 -15.6 26.5 -4.2 9.41995 55.4 58.1 56.5 62.91998 25.7 58.8 -1.4 33.32001 19.7 -18.5 64.8 38.22004 -27.6 -37.5 -53.0 -47.62007 18.2 63.6 -9.1 -9.1
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 25.5 18.1 14.5 11.11992 23.4 14.8 17.5 12.41995 38.7 27.9 25.7 19.31998 58.2 35.4 31.1 23.42001 61.5 34.1 34.6 32.72004 39.2 17.9 14.0 21.92007 48.1 22.7 17.0 28.8
Three-year change (percent)1992 -8.2 -18.2 20.7 11.71995 65.4 88.5 46.9 55.61998 50.4 26.9 21.0 21.22001 5.7 -3.7 11.3 39.72004 -36.3 -47.5 -59.5 -33.02007 22.7 26.8 21.4 31.5
15
20
25
30
35
40
45
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with cash value life insurance
Percent of families with cash value life insuranceRegion
Year Northeast Midwest South WestLevel (percent)
1989 40.7 40.4 32.3 29.61992 34.6 43.1 32.9 28.71995 36.3 37.8 30.2 24.31998 33.7 33.6 30.3 20.22001 27.5 34.0 28.2 21.62004 24.6 30.3 24.1 17.52007 23.5 26.6 23.3 18.3
Three-year change (percentage points)1992 -6.1 2.7 0.6 -0.91995 1.7 -5.3 -2.7 -4.41998 -2.6 -4.2 0.1 -4.12001 -6.2 0.4 -2.1 1.42004 -2.9 -3.7 -4.1 -4.12007 -1.1 -3.7 -0.8 0.8
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 5.8 5.6 4.0 4.11992 5.8 5.1 3.5 4.31995 7.2 6.1 6.8 8.11998 10.2 8.9 8.9 10.22001 11.1 9.4 11.7 14.02004 6.6 7.7 5.5 6.62007 9.0 7.0 8.0 10.0
Three-year change (percent)1992 0.0 -8.9 -12.5 4.91995 24.1 19.6 94.3 88.41998 41.7 45.9 30.9 25.92001 8.8 5.6 31.5 37.32004 -40.5 -18.1 -53.0 -52.92007 36.4 -9.1 45.5 51.5
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 18.1 19.2 16.4 15.91992 23.2 17.1 13.9 15.41995 29.7 24.0 28.2 30.61998 43.1 30.4 36.5 39.02001 40.9 35.1 41.3 57.62004 26.2 25.5 22.9 29.62007 28.7 25.5 34.8 35.2
Three-year change (percent)1992 28.2 -10.9 -15.2 -3.11995 28.0 40.4 102.9 98.71998 45.1 26.7 29.4 27.52001 -5.1 15.5 13.2 47.72004 -35.9 -27.4 -44.6 -48.62007 9.5 0.0 52.0 18.9
20
25
30
35
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with cash value life insurance
Percent of families with cash value life insuranceUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 35.1 37.21992 34.7 35.71995 32.0 32.01998 29.5 30.22001 27.5 30.82004 24.6 22.32007 22.2 26.7
Three-year change (percentage points)1992 -0.4 -1.51995 -2.7 -3.71998 -2.5 -1.82001 -2.0 0.62004 -2.9 -8.52007 -2.4 4.4
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 4.8 4.81992 5.0 3.61995 7.2 5.71998 9.5 7.62001 11.7 9.92004 6.9 5.52007 9.0 5.0
Three-year change (percent)1992 4.2 -25.01995 44.0 58.31998 31.9 33.32001 23.2 30.32004 -41.0 -44.42007 30.4 -9.1
15
20
25
30
35
40
45
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 17.6 17.01992 17.6 14.31995 28.9 20.71998 38.5 26.32001 45.4 24.22004 27.3 15.02007 35.1 15.7
Three-year change (percent)1992 0.0 -15.91995 64.2 44.81998 33.2 27.12001 17.9 -8.02004 -39.9 -38.02007 28.6 4.7
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with cash value life insurance
Percent of families with cash value life insuranceHousing status
Year Owner Renter or otherLevel (percent)
1989 45.5 17.81992 43.2 20.21995 38.8 19.41998 36.9 15.22001 34.5 14.32004 30.1 11.02007 28.9 10.1
Three-year change (percentage points)1992 -2.3 2.41995 -4.4 -0.81998 -1.9 -4.22001 -2.4 -0.92004 -4.4 -3.32007 -1.2 -0.9
2
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 5.3 2.91992 5.0 2.91995 8.1 4.71998 10.2 6.42001 11.7 8.82004 7.7 3.32007 10.0 2.0
Three-year change (percent)1992 -5.7 0.01995 62.0 62.11998 25.9 36.22001 14.7 37.52004 -34.2 -62.52007 29.9 -39.4
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 18.1 14.51992 18.6 10.81995 30.3 18.21998 39.7 22.32001 44.7 29.62004 27.8 10.32007 34.3 12.4
Three-year change (percent)1992 2.8 -25.51995 62.9 68.51998 31.0 22.52001 12.6 32.72004 -37.8 -65.22007 23.4 20.4
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with cash value life insurance
Percent of families with cash value life insurancePercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 13.6 28.4 45.5 50.0 61.11992 12.5 32.0 40.6 50.2 60.71995 11.3 27.2 38.4 47.4 56.11998 10.7 23.8 35.6 45.5 52.22001 6.9 26.1 34.4 41.8 48.72004 7.7 19.3 30.1 36.8 43.72007 7.8 19.7 28.5 32.3 41.7
Three-year change (percentage points)1992 -1.1 3.6 -4.9 0.2 -0.41995 -1.2 -4.8 -2.2 -2.8 -4.61998 -0.6 -3.4 -2.8 -1.9 -3.92001 -3.8 2.3 -1.2 -3.7 -3.52004 0.8 -6.8 -4.3 -5.0 -5.02007 0.1 0.4 -1.6 -4.5 -2.0
0
10
20
30
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of cash value life insurance for families with holdings
Median value of cash value life insurance for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.2 3.1 4.8 7.7 14.51992 1.2 2.5 4.3 7.7 14.51995 1.6 4.6 6.8 9.5 23.01998 1.5 6.4 8.9 12.7 25.52001 2.1 6.1 11.1 12.3 35.12004 0.9 4.4 5.5 11.0 22.02007 1.2 3.0 6.5 15.0 30.0
Three-year change (percent)1992 0.0 -19.4 -10.4 0.0 0.01995 33.3 84.0 58.1 23.4 58.61998 -6.2 39.1 30.9 33.7 10.92001 40.0 -4.7 24.7 -3.1 37.62004 -57.1 -27.9 -50.5 -10.6 -37.32007 33.3 -31.8 18.2 36.4 36.4
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of cash value life insurance for families with holdings
Mean value of cash value life insurance for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.9 7.0 12.3 17.5 47.91992 2.3 5.3 13.6 20.3 41.41995 2.9 9.1 19.6 33.3 69.71998 4.2 9.6 20.5 41.4 105.52001 3.9 12.1 29.6 47.0 112.02004 2.4 7.3 13.6 21.5 80.42007 3.2 8.3 16.9 32.4 94.6
Three-year change (percent)1992 21.1 -24.3 10.6 16.0 -13.61995 26.1 71.7 44.1 64.0 68.41998 44.8 5.5 4.6 24.3 51.42001 -7.1 26.0 44.4 13.5 6.22004 -38.5 -39.7 -54.1 -54.3 -28.22007 33.3 13.7 24.3 50.7 17.7
3
4
5
6
7
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with other managed assets
Percent of families with other managed assetsYear All families
Level (percent)1989 3.61992 4.01995 3.91998 5.92001 6.62004 7.32007 5.8
Three-year change (percentage points)1992 0.41995 -0.11998 2.02001 0.72004 0.72007 -1.5
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 40.21992 28.91995 40.61998 40.12001 81.92004 49.42007 70.0
Three-year change (percent)1992 -28.11995 40.51998 -1.22001 104.22004 -39.72007 41.7
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 188.51992 135.21995 184.11998 246.52001 353.12004 227.42007 248.8
Three-year change (percent)1992 -28.31995 36.21998 33.92001 43.22004 -35.62007 9.4
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with other managed assets
Percent of families with other managed assetsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 0.4 2.9 2.7 3.8 5.5 11.01992 0.5 3.0 3.4 4.8 6.9 9.61995 0.7 3.7 3.9 4.5 5.8 8.01998 3.0 4.5 4.0 7.1 7.2 14.92001 2.2 3.3 5.4 8.5 10.7 16.72004 3.1 4.9 7.9 7.8 12.2 13.02007 2.7 4.7 5.3 5.7 7.6 13.6
Three-year change (percentage points)1992 0.1 0.1 0.7 1.0 1.4 -1.41995 0.2 0.7 0.5 -0.3 -1.1 -1.61998 2.3 0.8 0.1 2.6 1.4 6.92001 -0.8 -1.2 1.4 1.4 3.5 1.82004 0.9 1.6 2.5 -0.7 1.5 -3.72007 -0.4 -0.2 -2.6 -2.1 -4.6 0.6
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 19.3 32.2 9.7 48.3 51.5 64.41992 17.4 28.9 14.5 28.9 26.0 72.41995 56.8 20.3 33.8 35.1 47.3 74.41998 20.4 32.6 29.8 38.5 31.8 114.62001 28.3 42.1 81.9 70.2 81.9 131.02004 24.1 54.9 39.5 38.4 54.9 109.82007 100.0 86.0 59.0 52.0 30.0 90.0
Three-year change (percent)1992 -9.8 -10.2 49.5 -40.2 -49.5 12.41995 226.4 -29.8 133.1 21.5 81.9 2.81998 -64.1 60.6 -11.8 9.7 -32.8 54.02001 38.7 29.1 174.8 82.3 157.5 14.32004 -14.8 30.4 -51.8 -45.3 -33.0 -16.22007 314.9 56.6 49.4 35.4 -45.4 -18.0
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 22.7 50.8 106.0 132.9 97.7 396.01992 24.6 56.4 47.0 61.7 90.4 366.61995 159.8 81.8 89.2 149.9 211.4 393.61998 85.1 89.5 60.1 113.7 145.7 681.02001 158.4 175.7 213.0 194.8 257.2 790.82004 43.8 95.8 126.9 167.1 185.8 645.22007 141.7 154.6 108.9 144.5 152.0 610.6
Three-year change (percent)1992 8.4 11.0 -55.7 -53.6 -7.5 -7.41995 549.6 45.0 89.8 142.9 133.8 7.41998 -46.7 9.4 -32.6 -24.1 -31.1 73.02001 86.1 96.3 254.4 71.3 76.5 16.12004 -72.3 -45.5 -40.4 -14.2 -27.8 -18.42007 223.5 61.4 -14.2 -13.5 -18.2 -5.4
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with other managed assets
Percent of families with other managed assetsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 2.5 3.2 3.5 3.5 5.5 5.91992 1.7 3.0 5.5 5.1 5.8 5.91995 1.6 3.5 3.0 7.7 5.9 5.21998 1.9 3.9 6.5 6.5 11.8 11.62001 2.1 3.1 6.4 13.0 11.8 11.22004 2.9 3.7 6.2 9.4 12.8 16.72007 0.8 2.2 5.1 7.7 13.2 14.0
Three-year change (percentage points)1992 -0.8 -0.2 2.0 1.6 0.3 0.01995 -0.1 0.5 -2.5 2.6 0.1 -0.71998 0.3 0.4 3.5 -1.2 5.9 6.42001 0.2 -0.8 -0.1 6.5 0.0 -0.42004 0.8 0.6 -0.2 -3.6 1.0 5.52007 -2.1 -1.5 -1.1 -1.7 0.4 -2.7
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 14.5 29.0 16.1 112.7 77.3 51.51992 28.9 11.6 28.9 57.9 46.3 28.91995 6.1 14.6 76.7 67.6 47.3 87.91998 24.8 31.8 50.0 82.8 52.6 38.22001 46.8 58.5 70.2 64.3 140.4 117.02004 5.5 20.1 47.2 71.4 65.9 54.92007 15.0 24.0 45.0 59.0 70.0 100.0
Three-year change (percent)1992 99.3 -60.0 79.5 -48.6 -40.1 -43.91995 -78.9 25.9 165.4 16.8 2.2 204.21998 306.6 117.8 -34.8 22.5 11.2 -56.52001 88.7 84.0 40.4 -22.3 166.9 206.32004 -88.2 -65.6 -32.8 11.0 -53.1 -53.12007 172.7 19.4 -4.7 -17.4 6.2 82.1
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 120.3 192.3 210.3 191.0 206.1 227.71992 67.2 86.3 127.3 164.6 169.2 183.01995 85.8 115.9 219.1 181.2 164.8 362.41998 145.3 200.2 200.6 398.7 318.8 179.02001 203.6 256.8 256.2 411.3 424.6 419.12004 62.4 141.0 219.8 275.8 263.2 263.82007 27.6 126.3 249.3 282.3 274.2 256.8
Three-year change (percent)1992 -44.1 -55.1 -39.5 -13.8 -17.9 -19.61995 27.7 34.3 72.1 10.1 -2.6 98.01998 69.3 72.7 -8.4 120.0 93.4 -50.62001 40.1 28.3 27.7 3.2 33.2 134.12004 -69.4 -45.1 -14.2 -32.9 -38.0 -37.12007 -55.8 -10.4 13.4 2.4 4.2 -2.7
0
5
10
15
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with other managed assets
Percent of families with other managed assetsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 0.7 2.6 4.6 4.1 4.31992 1.6 2.4 4.3 3.6 6.51995 3.8 3.4 5.5 2.4 5.31998 5.2 2.7 10.8 4.8 7.12001 1.4 3.8 9.4 5.1 10.62004 2.4 3.4 14.2 5.2 10.22007 2.4 2.0 11.2 4.4 8.1
Three-year change (percentage points)1992 0.9 -0.2 -0.3 -0.5 2.21995 2.2 1.0 1.2 -1.2 -1.21998 1.4 -0.7 5.3 2.4 1.82001 -3.8 1.1 -1.4 0.3 3.52004 1.0 -0.4 4.8 0.1 -0.42007 0.0 -1.4 -3.0 -0.8 -2.1
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 7.2 64.4 72.4 22.5 64.41992 86.8 43.4 57.9 13.0 36.21995 54.1 12.2 68.9 26.8 56.81998 15.3 54.7 38.2 35.0 73.82001 81.9 74.0 103.4 70.2 93.62004 6.6 32.9 71.4 32.9 54.92007 20.0 60.0 100.0 35.0 52.0
Three-year change (percent)1992 1105.6 -32.6 -20.0 -42.2 -43.81995 -37.7 -71.9 19.0 106.2 56.91998 -71.7 348.4 -44.6 30.6 29.92001 435.3 35.3 170.7 100.6 26.82004 -91.9 -55.5 -30.9 -53.1 -41.32007 203.0 82.4 40.1 6.4 -5.3
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 183.3 86.1 111.4 164.1 330.01992 162.9 105.4 120.1 107.9 166.31995 165.5 33.8 267.3 164.8 213.11998 185.7 141.2 206.2 185.4 376.42001 155.6 210.3 325.1 296.5 429.92004 85.6 201.8 226.4 198.2 266.82007 193.7 192.5 254.3 232.5 269.5
Three-year change (percent)1992 -11.1 22.4 7.8 -34.2 -49.61995 1.6 -67.9 122.6 52.7 28.11998 12.2 317.8 -22.9 12.5 76.62001 -16.2 48.9 57.7 59.9 14.22004 -45.0 -4.0 -30.4 -33.2 -37.92007 126.3 -4.6 12.3 17.3 1.0
0
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with other managed assets
Percent of families with other managed assetsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 1.0 3.3 3.4 6.51992 1.6 2.9 4.5 6.31995 0.7 3.3 5.5 5.51998 2.1 4.0 4.9 10.22001 3.0 3.5 6.7 11.22004 3.0 5.4 6.2 10.92007 1.7 4.2 6.6 8.5
Three-year change (percentage points)1992 0.6 -0.4 1.1 -0.21995 -0.9 0.4 1.0 -0.81998 1.4 0.7 -0.6 4.72001 0.9 -0.5 1.8 1.02004 0.0 1.9 -0.5 -0.32007 -1.3 -1.2 0.4 -2.4
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 40.2 16.1 24.1 64.41992 26.0 24.6 32.1 34.71995 18.9 35.1 20.3 70.31998 38.2 19.1 44.6 57.32001 18.9 81.9 58.5 96.12004 16.5 54.9 31.9 54.92007 30.0 80.0 52.0 75.0
Three-year change (percent)1992 -35.3 52.8 33.2 -46.11995 -27.3 42.7 -36.8 102.61998 102.1 -45.6 119.7 -18.52001 -50.5 328.8 31.2 67.72004 -12.7 -33.0 -45.5 -42.92007 81.8 45.7 63.0 36.6
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 141.8 54.5 142.5 286.41992 38.2 87.0 84.9 191.61995 45.0 90.1 164.0 266.71998 80.4 71.9 271.2 322.92001 223.0 240.4 183.1 457.32004 140.5 138.4 327.1 245.32007 51.2 134.1 190.3 341.0
Three-year change (percent)1992 -73.1 59.6 -40.4 -33.11995 17.8 3.6 93.2 39.21998 78.7 -20.2 65.4 21.12001 177.4 234.4 -32.5 41.62004 -37.0 -42.4 78.6 -46.42007 -63.6 -3.1 -41.8 39.0
0
2
4
6
8
10
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with other managed assets
Percent of families with other managed assetsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 4.5 1.11992 4.9 1.21995 4.8 1.01998 7.2 1.62001 8.2 1.82004 9.2 2.12007 7.3 2.3
Three-year change (percentage points)1992 0.4 0.11995 -0.1 -0.21998 2.4 0.62001 1.0 0.22004 1.0 0.32007 -1.9 0.2
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 49.9 12.91992 32.1 13.01995 40.6 8.11998 40.7 29.32001 81.9 52.62004 49.4 43.92007 70.0 30.0
Three-year change (percent)1992 -35.7 0.81995 26.5 -37.71998 0.2 261.72001 101.2 79.52004 -39.7 -16.52007 41.7 -31.7
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 201.6 32.31992 140.0 74.51995 179.5 263.51998 245.0 268.02001 364.0 196.72004 235.7 133.42007 268.0 101.6
Three-year change (percent)1992 -30.6 130.71995 28.2 253.71998 36.5 1.72001 48.6 -26.62004 -35.2 -32.22007 13.7 -23.8
0
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with other managed assets
Percent of families with other managed assetsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 3.6 3.8 4.3 1.11992 3.9 2.6 5.7 1.01995 3.6 3.1 5.3 2.81998 4.2 8.7 9.9 0.42001 5.3 6.9 10.4 5.62004 5.4 7.6 12.8 2.02007 3.7 6.9 11.2 2.1
Three-year change (percentage points)1992 0.3 -1.2 1.4 -0.11995 -0.3 0.5 -0.4 1.81998 0.6 5.6 4.6 -2.42001 1.1 -1.8 0.5 5.22004 0.1 0.7 2.4 -3.62007 -1.7 -0.7 -1.6 0.1
0
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 29.0 96.6 72.4 16.11992 28.9 137.5 28.9 8.71995 19.6 58.1 67.6 21.61998 38.2 50.0 40.7 1120.42001 64.3 127.5 117.0 45.62004 54.9 46.1 49.4 29.72007 27.2 80.0 100.0 20.0
Three-year change (percent)1992 -0.3 42.3 -60.1 -46.01995 -32.2 -57.7 133.9 148.31998 94.9 -13.9 -39.8 5087.02001 68.3 155.0 187.5 -95.92004 -14.6 -63.8 -57.8 -34.92007 -50.5 73.5 102.4 -32.7
0
500
1000
1500
2000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 139.6 486.8 165.9 157.61992 87.2 524.9 135.6 43.21995 127.7 357.6 240.8 111.41998 162.6 371.7 268.5 2042.22001 225.9 662.5 431.9 230.02004 170.4 325.2 239.7 891.32007 160.3 490.9 262.7 57.2
Three-year change (percent)1992 -37.5 7.8 -18.3 -72.61995 46.4 -31.9 77.6 157.91998 27.3 3.9 11.5 1733.22001 38.9 78.2 60.9 -88.72004 -24.6 -50.9 -44.5 287.52007 -5.9 51.0 9.6 -93.6
0
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with other managed assets
Percent of families with other managed assetsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 4.9 3.4 2.6 3.61992 6.3 3.1 1.5 4.61995 5.9 3.5 1.6 4.81998 8.3 3.6 2.8 8.22001 9.3 3.6 3.0 9.62004 8.2 4.9 3.3 11.12007 6.7 4.0 1.1 9.8
Three-year change (percentage points)1992 1.4 -0.3 -1.1 1.01995 -0.4 0.4 0.1 0.21998 2.4 0.1 1.2 3.42001 1.0 0.0 0.2 1.42004 -1.1 1.3 0.3 1.52007 -1.5 -0.9 -2.2 -1.3
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 90.2 24.1 7.2 56.31992 36.2 36.2 15.2 26.01995 52.7 14.6 26.6 67.61998 42.9 31.8 31.8 40.72001 81.9 28.5 29.2 117.02004 49.4 65.9 39.5 49.42007 59.0 10.0 20.0 100.0
Three-year change (percent)1992 -59.9 50.2 111.1 -53.81995 45.6 -59.7 75.0 160.01998 -18.6 117.8 19.5 -39.82001 90.9 -10.4 -8.2 187.52004 -39.7 131.2 35.3 -57.82007 19.4 -84.8 -49.4 102.4
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 351.7 92.5 76.8 165.41992 165.0 119.4 61.2 130.81995 238.7 89.2 68.0 225.31998 314.2 121.2 65.8 282.82001 401.1 164.0 176.3 412.62004 251.7 138.8 148.7 258.22007 324.0 118.9 35.8 255.9
Three-year change (percent)1992 -53.1 29.1 -20.3 -20.91995 44.7 -25.3 11.1 72.21998 31.6 35.9 -3.2 25.52001 27.7 35.3 167.9 45.92004 -37.2 -15.4 -15.7 -37.42007 28.7 -14.3 -75.9 -0.9
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with other managed assets
Percent of families with other managed assetsRegion
Year Northeast Midwest South WestLevel (percent)
1989 3.7 5.0 2.8 3.21992 4.3 4.5 2.9 5.11995 4.2 3.9 3.6 4.11998 5.8 6.9 5.1 6.32001 5.8 7.5 5.6 8.22004 7.7 11.5 4.7 6.72007 6.4 6.7 5.2 5.5
Three-year change (percentage points)1992 0.6 -0.5 0.1 1.91995 -0.1 -0.6 0.7 -1.01998 1.6 3.0 1.5 2.22001 0.0 0.6 0.5 1.92004 1.9 4.0 -0.9 -1.52007 -1.3 -4.8 0.5 -1.2
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 29.0 32.2 64.4 96.61992 26.0 43.4 33.3 28.91995 73.0 40.6 33.8 40.61998 40.7 30.1 44.1 51.82001 87.7 113.5 72.4 70.22004 54.9 46.1 49.4 49.42007 73.0 67.0 80.0 60.0
Three-year change (percent)1992 -10.3 34.8 -48.3 -70.11995 180.8 -6.5 1.5 40.51998 -44.2 -25.9 30.5 27.62001 115.5 277.1 64.2 35.52004 -37.4 -59.4 -31.8 -29.62007 33.0 45.3 61.9 21.5
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 151.1 131.6 166.4 374.01992 156.0 110.0 184.5 98.31995 212.8 186.2 184.5 153.91998 136.3 217.7 256.1 361.12001 586.0 230.7 395.5 281.52004 347.9 194.0 174.6 230.32007 261.0 261.2 224.3 259.5
Three-year change (percent)1992 3.2 -16.4 10.9 -73.71995 36.4 69.3 0.0 56.61998 -35.9 16.9 38.8 134.62001 329.9 6.0 54.4 -22.02004 -40.6 -15.9 -55.9 -18.22007 -25.0 34.6 28.5 12.7
2
3
4
5
6
7
8
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with other managed assets
Percent of families with other managed assetsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 3.6 3.61992 4.3 2.91995 4.2 2.31998 6.1 4.82001 6.7 6.12004 7.8 4.82007 5.9 5.5
Three-year change (percentage points)1992 0.7 -0.71995 -0.1 -0.61998 1.9 2.52001 0.6 1.32004 1.1 -1.32007 -1.9 0.7
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 49.9 32.21992 28.9 36.21995 51.4 14.61998 40.7 22.72001 81.9 69.92004 49.4 35.52007 70.0 45.0
Three-year change (percent)1992 -42.1 12.41995 77.9 -59.71998 -20.8 55.52001 101.2 207.92004 -39.7 -49.22007 41.7 26.8
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 218.8 60.21992 138.2 115.61995 189.9 121.61998 257.7 162.22001 368.8 244.92004 245.2 87.12007 270.8 134.1
Three-year change (percent)1992 -36.8 92.01995 37.4 5.21998 35.7 33.42001 43.1 51.02004 -33.5 -64.42007 10.4 54.0
0
2
4
6
8
10
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with other managed assets
Percent of families with other managed assetsHousing status
Year Owner Renter or otherLevel (percent)
1989 4.9 1.41992 5.3 1.71995 5.0 1.91998 7.7 2.42001 8.9 2.02004 9.6 2.02007 7.5 2.1
Three-year change (percentage points)1992 0.4 0.31995 -0.3 0.21998 2.7 0.52001 1.2 -0.42004 0.7 0.02007 -2.1 0.1
20
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 40.2 35.41992 28.9 28.91995 47.3 18.91998 40.7 29.32001 81.9 46.82004 49.4 46.12007 70.0 54.0
Three-year change (percent)1992 -28.1 -18.41995 63.7 -34.61998 -14.0 55.02001 101.2 59.72004 -39.7 -1.52007 41.7 17.1
100
150
200
250
300
350
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 186.9 198.31992 136.1 130.51995 202.2 95.31998 261.9 147.32001 374.8 151.52004 234.4 151.12007 265.1 122.8
Three-year change (percent)1992 -27.2 -34.21995 48.6 -27.01998 29.5 54.62001 43.1 2.92004 -37.5 -0.32007 13.1 -18.7
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with other managed assets
Percent of families with other managed assetsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 0.1 1.3 3.9 6.4 13.21992 0.4 1.0 4.4 7.7 14.11995 0.8 1.9 3.4 6.3 14.41998 0.5 2.3 5.9 10.2 22.12001 0.2 1.4 6.2 13.8 26.42004 0.1 2.3 8.8 15.7 21.12007 0.3 1.9 6.2 11.1 20.6
Three-year change (percentage points)1992 0.3 -0.3 0.5 1.3 0.91995 0.4 0.9 -1.0 -1.4 0.31998 -0.3 0.4 2.5 3.9 7.72001 -0.3 -0.9 0.3 3.6 4.32004 -0.1 0.9 2.6 1.9 -5.32007 0.2 -0.4 -2.6 -4.6 -0.5
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of other managed assets for families with holdings
Median value of other managed assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 0.3 5.6 12.9 51.5 144.91992 1.4 5.8 15.2 23.2 95.01995 2.7 11.5 13.9 33.8 159.51998 7.0 12.7 27.3 29.8 152.82001 5.8 11.8 25.7 81.9 233.92004 0.5 10.3 22.0 54.9 137.32007 8.8 13.8 50.0 80.0 158.0
Three-year change (percent)1992 366.7 3.6 17.8 -55.0 -34.41995 92.9 98.3 -8.6 45.7 67.91998 159.3 10.4 96.4 -11.8 -4.22001 -17.1 -7.1 -5.9 174.8 53.12004 -91.4 -12.7 -14.4 -33.0 -41.32007 1640.0 34.0 127.3 45.7 15.1
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of other managed assets for families with holdings
Mean value of other managed assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 0.3 9.9 30.0 72.5 438.21992 2.0 15.6 27.7 43.8 323.11995 6.7 17.6 31.9 67.1 432.01998 14.1 19.2 38.5 54.7 591.22001 7.2 23.6 43.5 120.3 766.72004 0.5 19.7 41.8 85.2 638.02007 10.1 26.6 56.9 116.5 560.8
Three-year change (percent)1992 566.7 57.6 -7.7 -39.6 -26.31995 235.0 12.8 15.2 53.2 33.71998 110.4 9.1 20.7 -18.5 36.92001 -48.9 22.9 13.0 119.9 29.72004 -93.1 -16.5 -3.9 -29.2 -16.82007 1920.0 35.0 36.1 36.7 -12.1
35
40
45
50
55P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with retirement accounts
Percent of families with retirement accountsYear All families
Level (percent)1989 37.11992 40.11995 45.31998 48.92001 52.82004 49.92007 53.0
Three-year change (percentage points)1992 3.01995 5.21998 3.62001 3.92004 -2.92007 3.1
15
20
25
30
35
40
45
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 17.71992 20.31995 23.01998 30.62001 34.52004 38.82007 45.0
Three-year change (percent)1992 14.71995 13.31998 33.02001 12.72004 12.52007 16.0
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 60.31992 64.31995 77.01998 97.12001 122.52004 135.22007 147.6
Three-year change (percent)1992 6.61995 19.81998 26.12001 26.22004 10.42007 9.2
0
20
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with retirement accounts
Percent of families with retirement accountsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 4.6 15.8 38.3 52.6 69.1 79.61992 5.8 23.6 38.0 55.9 73.0 81.51995 8.8 27.6 48.4 63.8 73.7 82.21998 9.4 30.9 53.6 69.3 75.4 87.52001 13.8 34.2 53.3 76.1 83.8 89.22004 10.1 30.0 53.8 69.9 82.5 88.72007 10.8 35.9 55.5 74.3 86.9 89.6
Three-year change (percentage points)1992 1.2 7.8 -0.3 3.3 3.9 1.91995 3.0 4.0 10.4 7.9 0.7 0.71998 0.6 3.3 5.2 5.5 1.7 5.32001 4.4 3.3 -0.3 6.8 8.4 1.72004 -3.7 -4.2 0.5 -6.2 -1.3 -0.52007 0.7 5.9 1.7 4.4 4.4 0.9
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 6.4 5.0 12.1 13.7 24.1 72.41992 11.0 6.9 9.4 17.4 31.1 69.51995 13.5 12.2 11.2 19.7 35.1 94.61998 7.6 11.5 15.3 26.7 56.0 114.62001 5.8 9.4 16.4 35.1 64.3 152.02004 5.5 11.0 18.8 35.1 78.0 202.32007 6.0 12.0 24.0 48.0 90.4 205.0
Three-year change (percent)1992 71.9 38.0 -22.3 27.0 29.0 -4.01995 22.7 76.8 19.1 13.2 12.9 36.11998 -43.7 -5.7 36.6 35.5 59.5 21.12001 -23.7 -18.3 7.2 31.5 14.8 32.62004 -5.2 17.0 14.6 0.0 21.3 33.12007 9.1 9.1 27.7 36.8 15.9 1.3
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 24.2 37.8 23.3 30.4 56.0 152.41992 22.2 17.4 23.7 40.6 59.0 172.61995 34.7 34.1 31.3 43.0 70.3 227.71998 21.2 33.1 37.7 60.9 114.0 274.22001 26.2 34.5 55.7 81.9 129.7 362.22004 30.3 28.4 49.0 81.5 164.3 393.22007 17.6 36.3 56.3 104.0 144.1 457.0
Three-year change (percent)1992 -8.3 -54.0 1.7 33.6 5.4 13.31995 56.3 96.0 32.1 5.9 19.2 31.91998 -38.9 -2.9 20.4 41.6 62.2 20.42001 23.6 4.2 47.7 34.5 13.8 32.12004 15.6 -17.7 -12.0 -0.5 26.7 8.62007 -41.9 27.8 14.9 27.6 -12.3 16.2
10
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with retirement accounts
Percent of families with retirement accountsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 27.5 49.5 52.2 47.4 29.9 6.31992 31.9 50.1 51.9 53.0 35.0 6.31995 40.9 54.8 57.4 51.0 36.6 15.91998 39.8 59.7 59.3 58.5 46.1 16.72001 45.3 61.6 63.7 59.8 45.1 27.72004 40.2 55.9 58.2 63.5 43.2 29.22007 42.1 57.8 65.4 61.2 51.7 30.0
Three-year change (percentage points)1992 4.4 0.6 -0.3 5.6 5.1 0.01995 9.0 4.7 5.5 -2.0 1.6 9.61998 -1.1 4.9 1.9 7.5 9.5 0.82001 5.5 1.9 4.4 1.3 -1.0 11.02004 -5.1 -5.7 -5.5 3.7 -1.9 1.52007 1.9 1.9 7.2 -2.3 8.5 0.8
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 6.4 15.4 26.6 38.0 25.0 25.81992 6.5 13.1 40.5 43.4 28.9 40.51995 8.1 19.7 37.9 43.3 38.7 31.81998 8.9 25.8 44.6 59.5 48.4 38.22001 8.2 33.9 56.1 64.3 70.2 56.12004 12.1 30.8 61.0 91.2 87.9 32.92007 9.4 37.0 63.0 100.0 77.0 35.0
Three-year change (percent)1992 1.6 -14.9 52.3 14.2 15.6 57.01995 24.6 50.4 -6.4 -0.2 33.9 -21.51998 9.9 31.0 17.7 37.4 25.1 20.12001 -7.9 31.4 25.8 8.1 45.0 46.92004 47.6 -9.1 8.7 41.8 25.2 -41.42007 -22.3 20.1 3.3 9.6 -12.4 6.4
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 14.7 44.7 83.8 100.2 80.1 53.11992 19.3 39.6 101.3 102.7 78.5 80.51995 25.5 48.1 117.4 126.7 111.2 80.11998 28.7 66.5 115.1 182.4 131.7 118.32001 22.1 75.9 147.7 232.5 205.1 148.42004 27.8 74.8 155.8 237.8 229.4 130.52007 25.0 80.1 154.9 270.6 267.0 105.6
Three-year change (percent)1992 31.3 -11.4 20.9 2.5 -2.0 51.61995 32.1 21.5 15.9 23.4 41.7 -0.51998 12.5 38.3 -2.0 44.0 18.4 47.72001 -23.0 14.1 28.3 27.5 55.7 25.42004 25.8 -1.4 5.5 2.3 11.8 -12.12007 -10.1 7.1 -0.6 13.8 16.4 -19.1
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with retirement accounts
Percent of families with retirement accountsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 19.9 28.9 17.0 49.4 45.41992 24.3 31.4 18.7 51.6 51.01995 26.7 40.9 21.1 57.6 54.31998 33.9 43.1 28.5 60.5 55.52001 36.8 44.7 32.0 66.6 57.92004 31.1 41.0 33.3 62.0 58.22007 34.9 46.7 36.7 62.1 62.6
Three-year change (percentage points)1992 4.4 2.5 1.7 2.2 5.61995 2.4 9.5 2.4 6.0 3.31998 7.2 2.2 7.4 2.9 1.22001 2.9 1.6 3.5 6.1 2.42004 -5.7 -3.7 1.3 -4.6 0.32007 3.8 5.7 3.4 0.1 4.4
10
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 8.7 8.0 20.9 16.6 30.61992 6.7 10.1 18.8 21.7 33.31995 9.5 14.1 23.0 24.3 32.41998 14.0 15.9 38.2 30.8 46.92001 9.1 12.9 32.7 35.1 59.62004 13.2 16.5 39.5 43.9 68.42007 17.0 24.3 46.6 47.2 66.0
Three-year change (percent)1992 -23.0 26.2 -10.0 30.7 8.81995 41.8 39.6 22.3 12.0 -2.71998 47.4 12.8 66.1 26.7 44.82001 -35.0 -18.9 -14.4 14.0 27.12004 45.1 27.9 20.8 25.1 14.82007 28.8 47.3 18.0 7.5 -3.5
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 24.6 38.3 52.9 56.4 87.11992 31.5 36.2 40.4 62.9 90.41995 26.8 36.3 70.3 79.9 104.11998 40.4 50.4 92.0 89.2 147.72001 41.1 49.8 104.9 113.8 186.92004 41.9 52.7 105.0 128.4 210.32007 73.8 73.2 126.3 133.3 218.5
Three-year change (percent)1992 28.0 -5.5 -23.6 11.5 3.81995 -14.9 0.3 74.0 27.0 15.21998 50.7 38.8 30.9 11.6 41.92001 1.7 -1.2 14.0 27.6 26.52004 1.9 5.8 0.1 12.8 12.52007 76.1 38.9 20.3 3.8 3.9
0
20
40
60
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with retirement accounts
Percent of families with retirement accountsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 14.9 33.4 41.4 58.51992 13.8 35.1 41.7 60.71995 18.7 41.3 47.2 64.41998 20.6 42.5 52.0 67.52001 17.9 46.1 53.7 75.02004 16.3 43.8 47.8 69.22007 21.6 43.3 53.0 74.0
Three-year change (percentage points)1992 -1.1 1.7 0.3 2.21995 4.9 6.2 5.5 3.71998 1.9 1.2 4.8 3.12001 -2.7 3.6 1.7 7.52004 -1.6 -2.3 -5.9 -5.82007 5.3 -0.5 5.2 4.8
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 16.1 12.1 14.5 25.01992 10.1 14.5 17.4 30.41995 12.8 20.3 21.6 31.11998 15.3 21.4 25.5 44.62001 11.7 21.1 23.5 58.52004 13.7 22.1 22.8 71.42007 15.0 28.6 32.0 75.0
Three-year change (percent)1992 -37.3 19.8 20.0 21.61995 26.7 40.0 24.1 2.31998 19.5 5.4 18.1 43.42001 -23.5 -1.4 -7.8 31.22004 17.1 4.7 -3.0 22.12007 9.5 29.4 40.4 5.0
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 45.3 35.1 47.6 85.41992 22.4 40.3 39.8 92.91995 29.1 49.9 64.6 109.01998 29.3 51.7 68.6 147.02001 42.6 58.1 79.2 185.22004 34.2 65.5 82.1 199.82007 52.7 67.0 88.8 224.2
Three-year change (percent)1992 -50.6 14.8 -16.4 8.81995 29.9 23.8 62.3 17.31998 0.7 3.6 6.2 34.92001 45.4 12.4 15.5 26.02004 -19.7 12.7 3.7 7.92007 54.1 2.3 8.2 12.2
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with retirement accounts
Percent of families with retirement accountsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 43.5 18.21992 45.6 23.41995 49.3 31.61998 53.8 32.72001 57.7 37.82004 56.4 33.02007 58.6 39.5
Three-year change (percentage points)1992 2.1 5.21995 3.7 8.21998 4.5 1.12001 3.9 5.12004 -1.3 -4.82007 2.2 6.5
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 19.3 9.71992 21.7 11.61995 24.6 16.21998 33.1 16.22001 40.9 11.72004 45.0 17.62007 52.7 25.0
Three-year change (percent)1992 12.4 19.61995 13.4 39.71998 34.6 0.02001 23.6 -27.82004 10.0 50.42007 17.1 42.0
40
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 63.5 37.91992 69.1 36.11995 82.9 45.21998 103.0 64.82001 136.9 55.32004 150.2 68.72007 168.4 73.2
Three-year change (percent)1992 8.8 -4.71995 20.0 25.21998 24.2 43.42001 32.9 -14.72004 9.7 24.22007 12.1 6.6
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with retirement accounts
Percent of families with retirement accountsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 46.9 44.5 19.9 6.51992 50.5 49.5 21.8 16.31995 56.1 50.8 25.1 17.91998 59.0 53.7 28.9 17.22001 61.8 58.9 30.8 26.82004 57.3 55.3 33.0 24.92007 62.7 55.4 34.2 22.6
Three-year change (percentage points)1992 3.6 5.0 1.9 9.81995 5.6 1.3 3.3 1.61998 2.9 2.9 3.8 -0.72001 2.8 5.2 1.9 9.62004 -4.5 -3.6 2.2 -1.92007 5.4 0.1 1.2 -2.3
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 14.8 35.4 24.1 3.21992 16.4 36.2 26.0 14.51995 21.6 33.8 35.1 16.21998 25.5 63.7 39.5 18.12001 28.8 64.3 64.3 25.72004 32.9 65.9 50.8 34.02007 40.2 91.0 50.0 20.8
Three-year change (percent)1992 10.8 2.3 7.9 353.11995 31.7 -6.6 35.0 11.71998 18.1 88.5 12.5 11.72001 12.9 0.9 62.8 42.02004 14.2 2.5 -21.0 32.32007 22.2 38.1 -1.6 -38.8
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 45.6 123.7 79.6 22.11992 54.6 114.5 69.9 37.91995 67.6 122.7 92.9 51.71998 76.2 188.8 129.4 36.62001 92.1 237.9 177.3 91.02004 112.8 218.3 166.6 115.42007 122.2 287.7 174.7 63.9
Three-year change (percent)1992 19.7 -7.4 -12.2 71.51995 23.8 7.2 32.9 36.41998 12.7 53.9 39.3 -29.22001 20.9 26.0 37.0 148.62004 22.5 -8.2 -6.0 26.82007 8.3 31.8 4.9 -44.6
20
30
40
50
60
70
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with retirement accounts
Percent of families with retirement accountsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 64.1 39.2 37.6 17.11992 64.3 45.5 40.6 20.51995 70.3 49.3 49.1 23.61998 69.5 52.0 52.4 27.02001 74.0 52.9 54.9 30.12004 68.8 48.6 49.9 31.82007 74.9 54.9 51.3 32.4
Three-year change (percentage points)1992 0.2 6.3 3.0 3.41995 6.0 3.8 8.5 3.11998 -0.8 2.7 3.3 3.42001 4.5 0.9 2.5 3.12004 -5.2 -4.3 -5.0 1.72007 6.1 6.3 1.4 0.6
10
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 29.0 10.5 12.9 24.11992 36.2 12.8 8.7 24.21995 36.5 18.7 14.5 31.01998 49.4 24.2 17.8 38.22001 53.8 22.2 15.8 58.52004 65.9 23.8 22.0 46.12007 72.0 30.0 24.2 45.0
Three-year change (percent)1992 24.8 21.9 -32.6 0.41995 0.8 46.1 66.7 28.11998 35.3 29.4 22.8 23.22001 8.9 -8.3 -11.2 53.12004 22.5 7.2 39.2 -21.22007 9.3 26.1 10.0 -2.4
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 84.7 43.8 30.3 75.11992 101.9 42.6 28.2 63.91995 121.7 57.4 39.0 86.51998 143.3 68.9 46.8 121.92001 176.6 73.9 53.8 164.72004 186.9 89.9 66.0 160.42007 218.1 91.4 62.6 162.6
Three-year change (percent)1992 20.3 -2.7 -6.9 -14.91995 19.4 34.7 38.3 35.41998 17.7 20.0 20.0 40.92001 23.2 7.3 15.0 35.12004 5.8 21.7 22.7 -2.62007 16.7 1.7 -5.2 1.4
30
35
40
45
50
55
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with retirement accounts
Percent of families with retirement accountsRegion
Year Northeast Midwest South WestLevel (percent)
1989 42.5 40.0 30.9 38.71992 44.1 44.0 35.1 39.91995 50.1 49.2 42.4 41.41998 48.6 53.1 45.9 49.72001 52.0 57.6 50.1 52.82004 57.2 57.4 41.7 49.22007 53.7 58.1 49.3 53.1
Three-year change (percentage points)1992 1.6 4.0 4.2 1.21995 6.0 5.2 7.3 1.51998 -1.5 3.9 3.5 8.32001 3.4 4.5 4.2 3.12004 5.2 -0.2 -8.4 -3.62007 -3.5 0.7 7.6 3.9
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 22.5 19.3 15.3 15.31992 21.1 23.9 15.9 24.61995 29.7 21.6 21.6 21.61998 38.2 25.5 30.6 30.62001 45.6 38.6 31.1 30.42004 56.0 41.7 30.0 32.92007 57.4 36.6 40.0 45.5
Three-year change (percent)1992 -6.2 23.8 3.9 60.81995 40.8 -9.6 35.8 -12.21998 28.6 18.1 41.7 41.72001 19.4 51.4 1.6 -0.72004 22.8 8.0 -3.5 8.22007 2.5 -12.2 33.3 38.3
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 67.8 60.5 56.5 56.71992 63.6 64.5 60.7 70.21995 79.4 72.2 81.5 73.21998 113.8 84.0 91.6 106.32001 158.3 113.0 111.4 120.22004 165.9 139.5 116.3 125.92007 167.9 127.8 150.3 148.9
Three-year change (percent)1992 -6.2 6.6 7.4 23.81995 24.8 11.9 34.3 4.31998 43.3 16.3 12.4 45.22001 39.1 34.5 21.6 13.12004 4.8 23.5 4.4 4.72007 1.2 -8.4 29.2 18.3
30
35
40
45
50
55
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with retirement accounts
Percent of families with retirement accountsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 38.7 30.41992 42.5 29.41995 47.0 35.71998 49.9 43.22001 53.9 45.72004 52.0 39.82007 55.1 42.5
Three-year change (percentage points)1992 3.8 -1.01995 4.5 6.31998 2.9 7.52001 4.0 2.52004 -1.9 -5.92007 3.1 2.7
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 18.1 15.61992 21.7 14.51995 23.0 20.31998 31.8 24.22001 36.3 22.22004 43.9 22.02007 47.8 33.5
Three-year change (percent)1992 19.9 -7.11995 6.0 40.01998 38.3 19.22001 14.2 -8.32004 20.9 -0.92007 8.9 52.3
40
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 62.3 49.51992 69.5 31.71995 81.0 46.91998 103.3 55.72001 131.0 60.12004 145.9 67.32007 157.6 85.1
Three-year change (percent)1992 11.6 -36.01995 16.5 47.91998 27.5 18.82001 26.8 7.92004 11.4 12.02007 8.0 26.4
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with retirement accounts
Percent of families with retirement accountsHousing status
Year Owner Renter or otherLevel (percent)
1989 48.6 16.81992 49.3 23.71995 54.4 28.71998 58.4 30.32001 63.3 30.82004 60.5 26.22007 63.7 29.6
Three-year change (percentage points)1992 0.7 6.91995 5.1 5.01998 4.0 1.62001 4.9 0.52004 -2.8 -4.62007 3.2 3.4
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 22.5 6.41992 25.3 6.71995 27.4 9.61998 38.2 9.92001 46.8 8.22004 50.5 12.12007 57.0 10.0
Three-year change (percent)1992 12.4 4.71995 8.3 43.31998 39.4 3.12001 22.5 -17.22004 7.9 47.62007 12.9 -17.4
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 68.4 19.21992 74.9 25.41995 87.9 39.31998 112.6 38.32001 142.5 36.32004 153.5 40.82007 168.8 47.7
Three-year change (percent)1992 9.5 32.31995 17.4 54.71998 28.1 -2.52001 26.6 -5.22004 7.7 12.42007 10.0 16.9
0
20
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with retirement accounts
Percent of families with retirement accountsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 7.7 30.3 43.2 65.4 70.11992 12.5 32.4 47.2 64.5 73.91995 15.1 42.0 52.2 66.5 80.41998 18.6 44.2 56.4 72.1 83.22001 19.1 46.1 63.9 78.3 87.72004 14.3 43.2 62.0 78.2 82.72007 19.6 48.7 63.1 77.5 84.8
Three-year change (percentage points)1992 4.8 2.1 4.0 -0.9 3.81995 2.6 9.6 5.0 2.0 6.51998 3.5 2.2 4.2 5.6 2.82001 0.5 1.9 7.5 6.2 4.52004 -4.8 -2.9 -1.9 -0.1 -5.02007 5.3 5.5 1.1 -0.7 2.1
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of retirement accounts for families with holdings
Median value of retirement accounts for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.9 6.0 16.1 38.6 77.31992 1.4 6.2 19.2 43.1 108.51995 1.6 9.7 22.0 47.3 135.21998 2.7 10.5 35.6 76.1 159.12001 2.3 8.9 35.1 93.6 233.92004 3.3 12.9 36.6 106.5 293.12007 3.0 15.0 50.0 120.0 318.0
Three-year change (percent)1992 -26.3 3.3 19.3 11.7 40.41995 14.3 56.5 14.6 9.7 24.61998 68.8 8.2 61.8 60.9 17.72001 -14.8 -15.2 -1.4 23.0 47.02004 43.5 44.9 4.3 13.8 25.32007 -9.1 16.3 36.6 12.7 8.5
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of retirement accounts for families with holdings
Mean value of retirement accounts for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 3.7 9.1 25.4 62.4 182.21992 3.1 9.6 27.9 61.6 211.81995 4.9 14.3 30.6 78.6 266.41998 5.5 16.0 46.5 100.3 337.82001 4.4 16.5 50.2 132.9 443.72004 5.7 18.8 52.9 148.0 478.82007 7.2 21.4 64.8 158.5 548.9
Three-year change (percent)1992 -16.2 5.5 9.8 -1.3 16.21995 58.1 49.0 9.7 27.6 25.81998 12.2 11.9 52.0 27.6 26.82001 -20.0 3.1 8.0 32.5 31.32004 29.5 13.9 5.4 11.4 7.92007 26.3 13.8 22.5 7.1 14.6
9
10
11
12
13
14P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with other financial assets
Percent of families with other financial assetsYear All families
Level (percent)1989 13.81992 10.81995 11.11998 9.42001 9.42004 10.02007 9.3
Three-year change (percentage points)1992 -3.01995 0.31998 -1.72001 0.02004 0.62007 -0.7
3
3.5
4
4.5
5
5.5
6
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 3.21992 3.61995 4.11998 3.82001 4.82004 4.42007 6.0
Three-year change (percent)1992 12.51995 13.91998 -7.32001 26.32004 -8.32007 36.4
30
35
40
45
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 36.11992 34.61995 37.01998 30.52001 46.02004 43.42007 50.3
Three-year change (percent)1992 -4.21995 6.91998 -17.62001 50.82004 -5.72007 15.9
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with other financial assets
Percent of families with other financial assetsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 8.9 13.6 14.4 14.8 13.2 21.01992 8.6 9.8 10.3 12.0 11.6 15.21995 8.5 9.0 13.5 11.4 11.5 15.01998 8.3 8.0 10.5 9.9 8.7 11.52001 6.2 10.2 9.9 9.2 10.8 12.52004 7.1 9.9 9.3 11.2 11.4 13.42007 6.6 8.8 10.2 8.4 9.8 15.3
Three-year change (percentage points)1992 -0.3 -3.8 -4.1 -2.8 -1.6 -5.81995 -0.1 -0.8 3.2 -0.6 -0.1 -0.21998 -0.2 -1.0 -3.0 -1.5 -2.8 -3.52001 -2.1 2.2 -0.6 -0.7 2.1 1.02004 0.9 -0.3 -0.6 2.0 0.6 0.92007 -0.5 -1.1 0.9 -2.8 -1.6 1.9
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 1.3 1.8 3.2 4.0 4.0 24.11992 1.7 2.9 3.6 2.9 4.3 28.91995 2.7 2.4 3.4 4.1 3.2 17.61998 0.8 1.7 3.2 6.4 7.3 31.82001 2.0 3.5 3.5 3.5 8.2 17.52004 2.7 2.2 2.7 4.4 5.5 22.02007 1.5 3.0 4.0 10.0 10.0 45.0
Three-year change (percent)1992 30.8 61.1 12.5 -27.5 7.5 19.91995 58.8 -17.2 -5.6 41.4 -25.6 -39.11998 -70.4 -29.2 -5.9 56.1 128.1 80.72001 150.0 105.9 9.4 -45.3 12.3 -45.02004 35.0 -37.1 -22.9 25.7 -32.9 25.72007 -44.4 36.4 48.1 127.3 81.8 104.5
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 22.1 8.7 9.2 32.3 22.3 134.41992 4.7 20.0 15.9 15.0 25.4 150.61995 20.0 15.8 16.0 26.6 43.8 130.61998 12.5 13.3 13.0 18.2 44.2 122.82001 27.5 12.2 27.3 26.2 22.2 198.12004 13.9 15.2 14.3 18.1 26.2 212.92007 7.0 15.0 21.8 26.5 42.2 197.3
Three-year change (percent)1992 -78.7 129.9 72.8 -53.6 13.9 12.11995 325.5 -21.0 0.6 77.3 72.4 -13.31998 -37.5 -15.8 -18.8 -31.6 0.9 -6.02001 120.0 -8.3 110.0 44.0 -49.8 61.32004 -49.5 24.6 -47.6 -30.9 18.0 7.52007 -49.6 -1.3 52.4 46.4 61.1 -7.3
6
8
10
12
14
16
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with other financial assets
Percent of families with other financial assetsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 14.7 14.6 15.4 14.0 11.8 8.01992 12.6 11.0 11.3 10.7 10.1 5.91995 13.8 10.9 12.9 9.3 10.0 5.41998 10.1 11.8 9.1 8.4 7.3 6.42001 10.5 9.7 8.5 10.6 8.5 7.72004 11.6 10.0 12.1 7.2 8.1 8.12007 10.0 9.6 10.5 9.2 9.4 5.3
Three-year change (percentage points)1992 -2.1 -3.6 -4.1 -3.3 -1.7 -2.11995 1.2 -0.1 1.6 -1.4 -0.1 -0.51998 -3.7 0.9 -3.8 -0.9 -2.7 1.02001 0.4 -2.1 -0.6 2.2 1.2 1.32004 1.1 0.3 3.6 -3.4 -0.4 0.42007 -1.6 -0.4 -1.6 2.0 1.3 -2.8
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 1.1 3.4 4.8 8.0 12.9 16.11992 1.4 4.3 7.2 7.2 10.1 7.21995 1.4 2.7 6.8 13.5 12.2 47.31998 1.3 3.2 7.6 12.7 7.6 10.42001 1.9 2.3 5.8 11.7 9.4 21.12004 1.1 3.8 5.5 7.7 11.0 24.22007 1.5 8.0 6.0 20.0 10.0 15.0
Three-year change (percent)1992 27.3 26.5 50.0 -10.0 -21.7 -55.31995 0.0 -37.2 -5.6 87.5 20.8 556.91998 -7.1 18.5 11.8 -5.9 -37.7 -78.02001 46.2 -28.1 -23.7 -7.9 23.7 102.92004 -42.1 65.2 -5.2 -34.2 17.0 14.72007 36.4 110.5 9.1 159.7 -9.1 -38.0
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 29.4 20.7 45.4 34.4 64.5 57.51992 8.5 23.2 38.7 85.7 57.7 42.21995 14.2 23.4 46.2 58.6 79.6 64.91998 19.8 15.5 40.1 45.4 64.8 38.42001 17.5 20.2 73.6 82.6 68.9 50.72004 7.1 18.3 75.1 74.2 72.1 52.22007 6.2 49.2 39.8 83.0 101.2 84.1
Three-year change (percent)1992 -71.1 12.1 -14.8 149.1 -10.5 -26.61995 67.1 0.9 19.4 -31.6 38.0 53.81998 39.4 -33.8 -13.2 -22.5 -18.6 -40.82001 -11.6 30.3 83.5 81.9 6.3 32.02004 -59.4 -9.4 2.0 -10.2 4.6 3.02007 -12.7 168.9 -47.0 11.9 40.4 61.1
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with other financial assets
Percent of families with other financial assetsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 13.9 20.0 12.5 11.9 13.21992 11.2 16.0 7.9 9.0 11.51995 11.0 18.2 8.6 9.4 10.41998 8.8 16.2 7.3 8.0 8.22001 12.6 14.1 8.4 7.0 8.72004 12.4 14.7 7.9 7.7 10.02007 11.4 11.4 7.9 8.7 8.7
Three-year change (percentage points)1992 -2.7 -4.0 -4.6 -2.9 -1.71995 -0.2 2.2 0.7 0.4 -1.11998 -2.2 -2.0 -1.3 -1.4 -2.22001 3.8 -2.1 1.1 -1.0 0.52004 -0.2 0.6 -0.5 0.7 1.32007 -1.0 -3.3 0.0 1.0 -1.3
0
5
10
15
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 3.2 1.6 9.7 4.0 7.21992 2.3 2.5 5.8 4.3 7.21995 4.1 2.7 12.2 2.7 8.81998 2.5 1.9 4.6 5.1 6.42001 2.8 2.3 10.5 5.3 8.22004 3.3 1.6 11.0 5.5 6.62007 4.0 3.0 3.6 6.0 15.0
Three-year change (percent)1992 -28.1 56.2 -40.2 7.5 0.01995 78.3 8.0 110.3 -37.2 22.21998 -39.0 -29.6 -62.3 88.9 -27.32001 12.0 21.1 128.3 3.9 28.12004 17.9 -30.4 4.8 3.8 -19.52007 21.2 87.5 -67.3 9.1 127.3
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 18.0 31.8 22.9 40.9 51.91992 12.9 13.6 41.7 50.4 44.01995 21.0 19.0 61.6 30.2 60.01998 39.0 8.6 37.5 35.2 44.82001 20.8 20.5 37.0 49.1 83.22004 22.5 11.7 37.8 72.0 58.62007 13.3 24.7 42.1 47.5 96.8
Three-year change (percent)1992 -28.3 -57.2 82.1 23.2 -15.21995 62.8 39.7 47.7 -40.1 36.41998 85.7 -54.7 -39.1 16.6 -25.32001 -46.7 138.4 -1.3 39.5 85.72004 8.2 -42.9 2.2 46.6 -29.62007 -40.9 111.1 11.4 -34.0 65.2
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with other financial assets
Percent of families with other financial assetsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 8.3 13.0 15.4 18.51992 5.9 10.9 15.4 11.41995 6.2 9.8 14.4 13.41998 7.0 7.9 9.8 11.72001 7.0 7.7 11.0 11.32004 5.2 8.4 14.4 10.92007 7.1 8.2 9.8 10.9
Three-year change (percentage points)1992 -2.4 -2.1 0.0 -7.11995 0.3 -1.1 -1.0 2.01998 0.8 -1.9 -4.6 -1.72001 0.0 -0.2 1.2 -0.42004 -1.8 0.7 3.4 -0.42007 1.9 -0.2 -4.6 0.0
0
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 3.2 2.4 3.2 5.91992 1.7 2.9 2.9 8.71995 4.1 2.7 3.4 6.81998 2.3 1.7 4.5 6.42001 3.5 3.5 2.7 7.02004 2.2 3.3 4.4 7.72007 1.5 5.0 4.0 10.0
Three-year change (percent)1992 -46.9 20.8 -9.4 47.51995 141.2 -6.9 17.2 -21.81998 -43.9 -37.0 32.4 -5.92001 52.2 105.9 -40.0 9.42004 -37.1 -5.7 63.0 10.02007 -31.8 51.5 -9.1 29.9
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 11.1 20.7 31.9 60.31992 26.2 20.8 23.4 58.41995 15.9 30.0 20.5 59.21998 15.3 11.7 39.4 42.82001 12.8 25.5 42.1 70.92004 11.9 23.0 23.5 75.82007 10.2 33.0 24.0 84.7
Three-year change (percent)1992 136.0 0.5 -26.6 -3.21995 -39.3 44.2 -12.4 1.41998 -3.8 -61.0 92.2 -27.72001 -16.3 117.9 6.9 65.72004 -7.0 -9.8 -44.2 6.92007 -14.3 43.5 2.1 11.7
8
10
12
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with other financial assets
Percent of families with other financial assetsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 14.5 11.51992 11.8 8.01995 11.7 9.11998 9.7 8.32001 9.4 9.62004 10.2 9.42007 9.7 8.3
Three-year change (percentage points)1992 -2.7 -3.51995 -0.1 1.11998 -2.0 -0.82001 -0.3 1.32004 0.8 -0.22007 -0.5 -1.1
0
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 4.8 1.31992 4.3 1.71995 5.4 1.81998 5.7 1.32001 5.8 1.82004 5.5 2.72007 10.0 3.0
Three-year change (percent)1992 -10.4 30.81995 25.6 5.91998 5.6 -27.82001 1.8 38.52004 -5.2 50.02007 81.8 11.1
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 40.0 21.61992 37.4 22.11995 41.3 17.91998 36.7 6.62001 55.8 16.92004 47.4 32.12007 58.4 27.4
Three-year change (percent)1992 -6.5 2.31995 10.4 -19.01998 -11.1 -63.12001 52.0 156.12004 -15.1 89.92007 23.2 -14.6
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with other financial assets
Percent of families with other financial assetsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 14.6 20.2 9.8 10.61992 10.5 18.9 7.0 14.81995 11.8 16.8 7.1 11.71998 9.4 14.2 6.8 11.02001 9.5 12.4 8.1 6.52004 9.5 15.1 8.4 11.52007 9.2 14.8 7.0 10.6
Three-year change (percentage points)1992 -4.1 -1.3 -2.8 4.21995 1.3 -2.1 0.1 -3.11998 -2.4 -2.6 -0.3 -0.72001 0.1 -1.8 1.3 -4.52004 0.0 2.7 0.3 5.02007 -0.3 -0.3 -1.4 -0.9
0
5
10
15
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 2.4 8.0 12.9 1.01992 2.9 10.1 8.7 2.61995 2.7 5.4 13.5 6.81998 2.3 8.9 8.9 0.62001 2.9 14.0 11.7 2.32004 3.3 6.6 11.0 3.32007 5.0 16.0 10.0 3.0
Three-year change (percent)1992 20.8 26.2 -32.6 160.01995 -6.9 -46.5 55.2 161.51998 -14.8 64.8 -34.1 -91.22001 26.1 57.3 31.5 283.32004 13.8 -52.9 -6.0 43.52007 51.5 142.4 -9.1 -9.1
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 18.2 78.3 58.6 34.41992 18.9 64.3 67.7 8.21995 25.8 60.2 64.5 21.81998 16.9 46.8 65.0 15.82001 28.8 97.7 64.6 13.52004 22.8 129.1 33.7 10.32007 47.2 71.0 49.4 22.0
Three-year change (percent)1992 3.8 -17.9 15.5 -76.21995 36.5 -6.4 -4.7 165.91998 -34.5 -22.3 0.8 -27.52001 70.4 108.8 -0.6 -14.62004 -20.8 32.1 -47.8 -23.72007 107.0 -45.0 46.6 113.6
8
10
12
14
16
18
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with other financial assets
Percent of families with other financial assetsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 19.7 13.3 13.8 10.01992 13.6 11.7 10.0 8.91995 12.6 13.5 11.7 8.01998 12.1 9.9 8.4 7.52001 11.1 10.2 8.4 7.82004 13.2 8.6 8.5 8.92007 11.1 9.1 9.6 7.6
Three-year change (percentage points)1992 -6.1 -1.6 -3.8 -1.11995 -1.0 1.8 1.7 -0.91998 -0.5 -3.6 -3.3 -0.52001 -1.0 0.3 0.0 0.32004 2.1 -1.6 0.1 1.12007 -2.1 0.5 1.1 -1.3
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 4.0 1.6 3.2 9.51992 7.2 2.9 2.9 4.31995 5.4 2.7 2.1 9.51998 3.8 3.8 2.2 7.62001 5.8 3.2 2.3 9.42004 6.6 3.3 2.2 7.72007 10.0 5.0 5.0 5.5
Three-year change (percent)1992 80.0 81.2 -9.4 -54.71995 -25.0 -6.9 -27.6 120.91998 -29.6 40.7 4.8 -20.02001 52.6 -15.8 4.5 23.72004 13.8 3.1 -4.3 -18.12007 51.5 51.5 127.3 -28.6
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 51.6 12.9 20.7 53.21992 43.8 27.7 16.1 44.11995 45.9 35.4 18.1 51.81998 41.8 15.0 7.0 52.62001 64.2 32.4 20.7 57.62004 81.3 21.5 8.9 29.02007 90.4 27.4 19.7 43.4
Three-year change (percent)1992 -15.1 114.7 -22.2 -17.11995 4.8 27.8 12.4 17.51998 -8.9 -57.6 -61.3 1.52001 53.6 116.0 195.7 9.52004 26.6 -33.6 -57.0 -49.72007 11.2 27.4 121.3 49.7
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with other financial assets
Percent of families with other financial assetsRegion
Year Northeast Midwest South WestLevel (percent)
1989 12.5 11.2 13.1 19.21992 8.2 10.8 9.6 15.51995 10.0 10.4 9.8 15.31998 9.8 7.0 9.6 11.32001 8.2 7.4 8.3 14.42004 8.6 10.7 9.5 11.02007 5.4 9.2 8.6 13.9
Three-year change (percentage points)1992 -4.3 -0.4 -3.5 -3.71995 1.8 -0.4 0.2 -0.21998 -0.2 -3.4 -0.2 -4.02001 -1.6 0.4 -1.3 3.12004 0.4 3.3 1.2 -3.42007 -3.2 -1.5 -0.9 2.9
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 8.0 4.8 2.4 3.21992 7.2 3.6 3.6 2.91995 4.1 5.4 3.0 5.41998 5.7 1.7 3.8 5.12001 5.8 4.7 3.5 5.82004 4.4 4.4 4.1 5.52007 10.0 6.0 4.0 6.0
Three-year change (percent)1992 -10.0 -25.0 50.0 -9.41995 -43.1 50.0 -16.7 86.21998 39.0 -68.5 26.7 -5.62001 1.8 176.5 -7.9 13.72004 -24.1 -6.4 17.1 -5.22007 127.3 36.4 -2.4 9.1
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 55.7 29.1 23.8 42.11992 37.8 32.0 39.2 30.41995 42.5 43.4 32.3 33.81998 24.6 36.6 31.0 30.12001 90.1 36.2 33.9 41.12004 38.0 40.2 32.1 66.62007 74.1 56.0 43.4 45.6
Three-year change (percent)1992 -32.1 10.0 64.7 -27.81995 12.4 35.6 -17.6 11.21998 -42.1 -15.7 -4.0 -10.92001 266.3 -1.1 9.4 36.52004 -57.8 11.0 -5.3 62.02007 95.0 39.3 35.2 -31.5
6
8
10
12
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with other financial assets
Percent of families with other financial assetsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 14.3 11.51992 11.6 7.41995 11.5 9.21998 9.8 6.72001 9.7 7.92004 10.4 7.92007 9.5 8.6
Three-year change (percentage points)1992 -2.7 -4.11995 -0.1 1.81998 -1.7 -2.52001 -0.1 1.22004 0.7 0.02007 -0.9 0.7
2
3
4
5
6
7
8
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 3.4 3.21992 3.6 5.11995 4.2 2.71998 3.8 2.32001 5.3 4.12004 5.3 2.22007 8.0 2.4
Three-year change (percent)1992 5.9 59.41995 16.7 -47.11998 -9.5 -14.82001 39.5 78.32004 0.0 -46.32007 50.9 9.1
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 39.9 15.91992 33.3 43.41995 39.4 19.81998 32.4 14.22001 50.5 11.82004 48.9 8.52007 55.6 21.8
Three-year change (percent)1992 -16.5 173.01995 18.3 -54.41998 -17.8 -28.32001 55.9 -16.92004 -3.2 -28.02007 13.7 156.5
9
10
11
12
13
14
15
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with other financial assets
Percent of families with other financial assetsHousing status
Year Owner Renter or otherLevel (percent)
1989 13.2 14.71992 9.7 12.91995 9.5 14.01998 8.7 10.82001 8.8 10.62004 9.6 10.92007 9.4 9.1
Three-year change (percentage points)1992 -3.5 -1.81995 -0.2 1.11998 -0.8 -3.22001 0.1 -0.22004 0.8 0.32007 -0.2 -1.8
0
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 6.4 1.61992 7.2 2.21995 6.8 2.11998 6.4 1.32001 7.0 2.32004 6.6 2.22007 10.0 1.8
Three-year change (percent)1992 12.5 37.51995 -5.6 -4.51998 -5.9 -38.12001 9.4 76.92004 -5.7 -4.32007 51.5 -18.2
10
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 47.3 18.31992 52.4 10.91995 50.7 20.01998 39.3 16.62001 57.8 25.62004 59.3 12.22007 66.8 12.6
Three-year change (percent)1992 10.8 -40.41995 -3.2 83.51998 -22.5 -17.02001 47.1 54.22004 2.6 -52.32007 12.6 3.3
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with other financial assets
Percent of families with other financial assetsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 9.3 15.7 10.5 15.0 26.51992 7.5 10.4 11.8 11.4 16.91995 9.1 10.4 11.6 10.8 17.31998 7.9 10.0 8.2 10.3 13.02001 7.8 8.8 8.6 9.8 16.22004 6.9 9.5 10.2 11.2 16.42007 7.4 8.8 8.8 9.4 16.6
Three-year change (percentage points)1992 -1.8 -5.3 1.3 -3.6 -9.61995 1.6 0.0 -0.2 -0.6 0.41998 -1.2 -0.4 -3.4 -0.5 -4.32001 -0.1 -1.2 0.4 -0.5 3.22004 -0.9 0.7 1.6 1.4 0.22007 0.5 -0.7 -1.4 -1.8 0.2
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of other financial assets for families with holdings
Median value of other financial assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.0 2.4 4.8 8.0 24.11992 0.9 2.9 4.2 8.0 43.41995 1.1 2.0 6.5 13.5 40.61998 0.6 2.2 7.6 8.6 25.52001 1.2 2.7 5.3 11.7 38.62004 0.8 2.2 5.5 7.7 43.92007 1.2 3.0 10.0 20.0 50.0
Three-year change (percent)1992 -10.0 20.8 -12.5 0.0 80.11995 22.2 -31.0 54.8 68.8 -6.51998 -45.5 10.0 16.9 -36.3 -37.22001 100.0 22.7 -30.3 36.0 51.42004 -33.3 -18.5 3.8 -34.2 13.72007 50.0 36.4 81.8 159.7 13.9
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of other financial assets for families with holdings
Mean value of other financial assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.7 6.6 15.0 25.8 139.61992 1.8 6.4 15.1 27.0 155.71995 2.4 5.3 18.8 41.2 156.61998 2.5 7.4 22.0 27.3 134.32001 2.7 6.4 12.2 35.6 207.02004 2.3 8.8 16.9 19.9 202.32007 2.3 10.3 20.9 58.9 187.9
Three-year change (percent)1992 5.9 -3.0 0.7 4.7 11.51995 33.3 -17.2 24.5 52.6 0.61998 4.2 39.6 17.0 -33.7 -14.22001 8.0 -13.5 -44.5 30.4 54.12004 -14.8 37.5 38.5 -44.1 -2.32007 0.0 17.0 23.7 196.0 -7.1
30
35
40
45
50
55P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with stock holdings
Percent of families with stock holdingsYear All families
Level (percent)1989 31.81992 36.91995 40.51998 48.92001 52.32004 50.32007 51.2
Three-year change (percentage points)1992 5.11995 3.61998 8.42001 3.42004 -2.02007 0.9
15
20
25
30
35
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 13.71992 15.21995 19.61998 31.82001 40.42004 35.92007 35.0
Three-year change (percent)1992 10.91995 28.91998 62.22001 27.02004 -11.12007 -2.5
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 91.31992 91.61995 122.41998 188.92001 238.92004 211.62007 230.8
Three-year change (percent)1992 0.31995 33.61998 54.32001 26.52004 -11.42007 9.1
0
20
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with stock holdings
Percent of families with stock holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 3.6 15.2 28.6 44.2 57.6 76.91992 7.4 20.2 34.0 51.4 66.1 77.31995 6.5 24.7 41.7 54.5 69.7 80.11998 10.0 30.8 50.2 69.4 77.9 90.42001 12.9 34.3 52.6 75.9 82.1 89.72004 11.7 29.8 51.7 69.9 83.8 92.72007 13.6 34.2 49.7 70.8 84.7 91.0
Three-year change (percentage points)1992 3.8 5.0 5.4 7.2 8.5 0.41995 -0.9 4.5 7.7 3.1 3.6 2.81998 3.5 6.1 8.5 14.9 8.2 10.32001 2.9 3.5 2.4 6.5 4.2 -0.72004 -1.2 -4.5 -0.9 -6.0 1.7 3.02007 1.9 4.4 -2.0 0.9 0.9 -1.7
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 24.1 9.7 7.4 9.5 15.3 63.61992 11.6 5.8 7.2 11.8 20.4 68.01995 5.1 8.5 8.4 16.9 33.8 81.41998 6.4 12.7 15.3 24.4 57.3 173.82001 8.8 8.8 17.5 33.9 75.6 291.32004 8.2 10.9 16.5 29.0 62.1 225.12007 6.5 8.4 17.7 34.2 62.0 219.6
Three-year change (percent)1992 -51.9 -40.2 -2.7 24.2 33.3 6.91995 -56.0 46.6 16.7 43.2 65.7 19.71998 25.5 49.4 82.1 44.4 69.5 113.52001 37.5 -30.7 14.4 38.9 31.9 67.62004 -6.8 23.9 -5.7 -14.5 -17.9 -22.72007 -20.7 -22.9 7.3 17.9 -0.2 -2.4
0
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 44.8 22.0 28.5 38.6 51.8 259.71992 19.8 23.4 29.2 40.5 62.8 288.31995 33.0 43.3 38.1 59.8 97.6 380.11998 36.7 47.3 49.4 82.1 139.2 680.92001 61.8 50.7 82.8 120.0 191.7 861.72004 55.9 44.5 65.9 95.3 153.9 747.72007 67.0 46.1 58.9 122.0 137.0 863.3
Three-year change (percent)1992 -55.8 6.4 2.5 4.9 21.2 11.01995 66.7 85.0 30.5 47.7 55.4 31.81998 11.2 9.2 29.7 37.3 42.6 79.12001 68.4 7.2 67.6 46.2 37.7 26.62004 -9.5 -12.2 -20.4 -20.6 -19.7 -13.22007 19.9 3.6 -10.6 28.0 -11.0 15.5
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with stock holdings
Percent of families with stock holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 22.6 39.0 42.1 36.2 26.7 25.91992 28.8 42.6 46.9 45.4 30.2 25.71995 36.7 46.6 49.0 40.1 34.4 27.91998 40.8 56.7 58.7 56.0 42.7 29.42001 49.1 59.7 59.4 57.4 40.0 35.72004 40.8 54.5 56.5 63.0 46.9 34.82007 38.6 53.7 60.9 59.0 52.1 40.1
Three-year change (percentage points)1992 6.2 3.6 4.8 9.2 3.5 -0.21995 7.9 4.0 2.1 -5.3 4.2 2.21998 4.1 10.1 9.7 15.9 8.3 1.52001 8.3 3.0 0.7 1.4 -2.7 6.32004 -8.3 -5.2 -2.9 5.6 6.9 -0.92007 -2.2 -0.8 4.4 -4.0 5.2 5.3
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 4.8 8.3 21.7 29.6 32.7 40.21992 4.9 10.9 21.7 36.2 23.9 36.21995 6.8 13.5 35.1 41.9 46.0 27.01998 8.9 25.5 48.4 59.8 71.3 76.42001 8.2 32.2 58.5 94.2 175.8 128.72004 8.8 22.0 54.9 76.9 76.9 94.32007 7.0 26.0 45.0 78.0 57.0 41.0
Three-year change (percent)1992 2.1 31.3 0.0 22.3 -26.9 -10.01995 38.8 23.9 61.8 15.7 92.5 -25.41998 30.9 88.9 37.9 42.7 55.0 183.02001 -7.9 26.3 20.9 57.5 146.6 68.52004 7.3 -31.7 -6.2 -18.4 -56.3 -26.72007 -20.5 18.2 -18.0 1.4 -25.9 -56.5
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 21.4 53.8 108.0 127.9 170.4 179.11992 19.3 44.8 118.0 156.6 162.3 144.81995 20.9 61.3 150.9 234.5 219.8 253.71998 43.3 113.7 192.9 341.4 367.8 315.12001 55.3 119.8 267.0 417.8 510.4 447.02004 27.7 115.9 223.6 355.7 389.2 303.32007 32.5 111.5 220.6 373.9 458.8 318.5
Three-year change (percent)1992 -9.8 -16.7 9.3 22.4 -4.8 -19.21995 8.3 36.8 27.9 49.7 35.4 75.21998 107.2 85.5 27.8 45.6 67.3 24.22001 27.7 5.4 38.4 22.4 38.8 41.92004 -49.9 -3.3 -16.3 -14.9 -23.7 -32.12007 17.3 -3.8 -1.3 5.1 17.9 5.0
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with stock holdings
Percent of families with stock holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 16.2 24.9 20.5 37.5 42.81992 19.6 29.3 26.2 44.3 46.81995 24.2 36.4 25.1 48.6 48.51998 30.8 43.5 32.9 59.0 56.02001 30.7 47.7 34.1 64.9 58.02004 28.2 43.3 36.9 59.4 60.82007 31.3 46.2 39.1 57.6 62.1
Three-year change (percentage points)1992 3.4 4.4 5.7 6.8 4.01995 4.6 7.1 -1.1 4.3 1.71998 6.6 7.1 7.8 10.4 7.52001 -0.1 4.2 1.2 5.9 2.02004 -2.5 -4.4 2.8 -5.5 2.82007 3.1 2.9 2.2 -1.8 1.3
10
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 6.4 8.0 24.1 11.3 25.41992 6.4 8.7 22.4 13.0 24.61995 8.1 10.8 27.0 20.3 29.91998 15.9 15.3 48.7 32.5 54.72001 10.2 16.5 67.8 37.4 72.02004 11.0 14.3 66.8 30.6 60.42007 16.0 16.0 50.0 34.3 50.4
Three-year change (percent)1992 0.0 8.8 -7.1 15.0 -3.11995 26.6 24.1 20.5 56.2 21.51998 96.3 41.7 80.4 60.1 82.92001 -35.8 7.8 39.2 15.1 31.62004 7.8 -13.3 -1.5 -18.2 -16.12007 45.5 11.9 -25.1 12.1 -16.6
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 39.4 50.2 88.0 74.7 143.11992 29.3 58.2 108.5 74.3 133.31995 42.3 43.5 209.3 100.8 178.11998 112.8 78.9 235.9 144.8 305.42001 55.7 115.9 281.8 199.4 365.12004 76.1 79.2 200.1 190.7 324.12007 113.6 87.6 214.8 198.5 353.4
Three-year change (percent)1992 -25.6 15.9 23.3 -0.5 -6.81995 44.4 -25.3 92.9 35.7 33.61998 166.7 81.4 12.7 43.7 71.52001 -50.6 46.9 19.5 37.7 19.52004 36.6 -31.7 -29.0 -4.4 -11.22007 49.3 10.6 7.3 4.1 9.0
0
20
40
60
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with stock holdings
Percent of families with stock holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 10.0 26.5 38.0 53.41992 10.9 29.8 40.2 58.51995 15.4 32.9 43.0 61.91998 17.9 41.2 53.7 69.12001 16.2 43.9 54.3 76.12004 14.3 41.1 48.8 72.82007 18.8 39.8 51.4 74.3
Three-year change (percentage points)1992 0.9 3.3 2.2 5.11995 4.5 3.1 2.8 3.41998 2.5 8.3 10.7 7.22001 -1.7 2.7 0.6 7.02004 -1.9 -2.8 -5.5 -3.32007 4.5 -1.3 2.6 1.5
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 12.1 12.1 11.4 20.11992 7.2 8.7 14.4 24.61995 6.8 13.5 14.2 31.81998 13.4 19.7 23.6 57.32001 10.1 18.7 26.3 81.62004 9.9 19.5 19.3 65.32007 12.3 16.8 20.0 63.7
Three-year change (percent)1992 -40.5 -28.1 26.3 22.41995 -5.6 55.2 -1.4 29.31998 97.1 45.9 66.2 80.22001 -24.6 -5.1 11.4 42.42004 -2.0 4.3 -26.6 -20.02007 24.2 -13.8 3.6 -2.5
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 43.1 40.1 60.9 140.61992 33.0 45.9 63.7 131.11995 34.3 61.1 102.9 177.51998 40.9 91.5 125.6 291.02001 66.3 85.8 139.5 377.22004 52.7 73.3 119.4 320.22007 68.5 87.1 103.7 364.1
Three-year change (percent)1992 -23.4 14.5 4.6 -6.81995 3.9 33.1 61.5 35.41998 19.2 49.8 22.1 63.92001 62.1 -6.2 11.1 29.62004 -20.5 -14.6 -14.4 -15.12007 30.0 18.8 -13.1 13.7
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with stock holdings
Percent of families with stock holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 38.2 12.61992 43.4 17.41995 45.1 24.31998 54.7 29.82001 58.0 34.72004 58.7 28.42007 58.7 33.3
Three-year change (percentage points)1992 5.2 4.81995 1.7 6.91998 9.6 5.52001 3.3 4.92004 0.7 -6.32007 0.0 4.9
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 15.8 4.81992 16.6 10.31995 21.6 8.81998 38.2 12.72001 49.7 12.72004 44.6 13.72007 40.0 16.6
Three-year change (percent)1992 5.1 114.61995 30.1 -14.61998 76.9 44.32001 30.1 0.02004 -10.3 7.92007 -10.3 21.2
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 97.9 31.71992 98.0 42.61995 133.5 50.91998 207.9 72.92001 271.9 70.72004 237.3 73.92007 268.0 72.9
Three-year change (percent)1992 0.1 34.41995 36.2 19.51998 55.7 43.22001 30.8 -3.02004 -12.7 4.52007 12.9 -1.4
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with stock holdings
Percent of families with stock holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 37.2 36.2 23.9 7.61992 44.0 46.9 25.3 13.51995 48.7 41.7 28.2 11.91998 57.1 55.2 32.9 17.12001 60.2 56.5 34.0 27.52004 55.4 60.8 36.0 28.82007 57.1 57.0 39.3 26.4
Three-year change (percentage points)1992 6.8 10.7 1.4 5.91995 4.7 -5.2 2.9 -1.61998 8.4 13.5 4.7 5.22001 3.1 1.3 1.1 10.42004 -4.8 4.3 2.0 1.32007 1.7 -3.8 3.3 -2.4
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 10.2 32.2 32.2 8.01992 12.3 24.6 25.6 10.91995 15.1 39.4 37.2 14.21998 23.2 75.1 66.8 19.12001 26.3 118.5 128.7 43.72004 24.7 65.7 87.9 16.52007 29.8 87.0 40.8 7.8
Three-year change (percent)1992 20.6 -23.6 -20.5 36.21995 22.8 60.2 45.3 30.31998 53.6 90.6 79.6 34.52001 13.4 57.8 92.7 128.82004 -6.1 -44.6 -31.7 -62.22007 20.6 32.4 -53.6 -52.7
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 55.6 223.6 130.9 64.81992 61.4 196.7 127.2 47.61995 86.4 229.5 207.0 72.41998 111.5 413.3 343.4 164.32001 143.0 526.9 442.0 263.02004 136.3 384.4 360.1 206.62007 151.5 574.4 318.3 75.2
Three-year change (percent)1992 10.4 -12.0 -2.8 -26.51995 40.7 16.7 62.7 52.11998 29.1 80.1 65.9 126.92001 28.3 27.5 28.7 60.12004 -4.7 -27.0 -18.5 -21.42007 11.2 49.4 -11.6 -63.6
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with stock holdings
Percent of families with stock holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 53.3 31.1 27.9 20.51992 61.3 38.6 33.0 22.51995 65.1 42.0 39.0 24.91998 71.8 49.6 48.4 30.22001 73.2 51.1 52.0 32.92004 71.8 46.8 45.5 34.92007 73.7 49.2 43.6 37.3
Three-year change (percentage points)1992 8.0 7.5 5.1 2.01995 3.8 3.4 6.0 2.41998 6.7 7.6 9.4 5.32001 1.4 1.5 3.6 2.72004 -1.4 -4.3 -6.5 2.02007 1.9 2.4 -1.9 2.4
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 20.4 7.2 8.9 29.01992 23.4 10.1 7.7 22.61995 33.1 14.9 9.5 29.71998 56.0 19.3 14.0 63.72001 69.0 20.6 13.2 117.02004 53.9 22.0 15.6 71.42007 61.8 25.0 15.7 35.5
Three-year change (percent)1992 14.7 40.3 -13.5 -22.11995 41.5 47.5 23.4 31.41998 69.2 29.5 47.4 114.52001 23.2 6.7 -5.7 83.72004 -21.9 6.8 18.2 -39.02007 14.7 13.6 0.6 -50.3
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 127.6 56.1 32.2 125.81992 129.3 64.2 24.0 115.91995 177.7 79.4 34.8 194.01998 262.8 107.8 53.2 325.92001 335.7 115.8 59.2 417.52004 273.3 113.9 58.6 340.42007 341.5 115.5 49.3 291.4
Three-year change (percent)1992 1.3 14.4 -25.5 -7.91995 37.4 23.7 45.0 67.41998 47.9 35.8 52.9 68.02001 27.7 7.4 11.3 28.12004 -18.6 -1.6 -1.0 -18.52007 25.0 1.4 -15.9 -14.4
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with stock holdings
Percent of families with stock holdingsRegion
Year Northeast Midwest South WestLevel (percent)
1989 36.3 34.8 25.0 34.91992 40.3 43.2 31.5 35.51995 46.4 43.8 36.3 38.01998 49.3 50.6 45.8 51.92001 50.5 59.0 47.8 54.42004 57.3 57.2 42.5 49.82007 54.2 55.4 46.2 52.8
Three-year change (percentage points)1992 4.0 8.4 6.5 0.61995 6.1 0.6 4.8 2.51998 2.9 6.8 9.5 13.92001 1.2 8.4 2.0 2.52004 6.8 -1.8 -5.3 -4.62007 -3.1 -1.8 3.7 3.0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 14.3 16.1 13.3 12.11992 14.5 17.7 10.9 20.01995 27.0 19.6 16.2 17.81998 41.1 28.0 30.6 33.42001 64.3 38.3 33.9 36.32004 49.3 40.7 26.4 29.92007 40.0 30.0 33.8 35.8
Three-year change (percent)1992 1.4 9.9 -18.0 65.31995 86.2 10.7 48.6 -11.01998 52.2 42.9 88.9 87.62001 56.4 36.8 10.8 8.72004 -23.3 6.3 -22.1 -17.62007 -18.9 -26.3 27.7 19.7
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 92.4 89.2 94.7 88.41992 94.5 77.5 92.3 107.21995 137.4 111.9 115.9 129.21998 205.1 155.7 198.9 195.92001 321.6 195.6 230.5 234.02004 259.1 186.4 207.5 201.12007 282.1 209.4 221.6 223.8
Three-year change (percent)1992 2.3 -13.1 -2.5 21.31995 45.4 44.4 25.6 20.51998 49.3 39.1 71.6 51.62001 56.8 25.6 15.9 19.42004 -19.4 -4.7 -10.0 -14.12007 8.9 12.3 6.8 11.3
25
30
35
40
45
50
55
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with stock holdings
Percent of families with stock holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 33.3 25.11992 39.1 27.61995 42.6 28.21998 50.9 37.22001 53.4 45.62004 52.7 38.42007 53.7 39.1
Three-year change (percentage points)1992 5.8 2.51995 3.5 0.61998 8.3 9.02001 2.5 8.42004 -0.7 -7.22007 1.0 0.7
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 13.7 16.11992 15.9 11.61995 20.3 14.21998 33.7 23.62001 43.9 22.22004 40.6 16.52007 37.0 21.0
Three-year change (percent)1992 16.1 -28.01995 27.7 22.41998 66.0 66.22001 30.3 -5.92004 -7.5 -25.72007 -8.9 27.3
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 96.2 63.31992 100.2 38.01995 130.3 52.51998 204.2 67.02001 256.5 111.12004 233.8 64.62007 251.3 94.1
Three-year change (percent)1992 4.2 -40.01995 30.0 38.21998 56.7 27.62001 25.6 65.82004 -8.8 -41.92007 7.5 45.7
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with stock holdings
Percent of families with stock holdingsHousing status
Year Owner Renter or otherLevel (percent)
1989 42.0 13.61992 45.9 21.21995 48.8 25.11998 59.8 27.52001 62.5 31.02004 60.9 26.42007 62.7 26.1
Three-year change (percentage points)1992 3.9 7.61995 2.9 3.91998 11.0 2.42001 2.7 3.52004 -1.6 -4.62007 1.8 -0.3
0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 16.1 4.81992 18.8 6.91995 24.3 8.61998 43.3 9.52001 58.5 8.22004 49.4 9.62007 41.1 8.6
Three-year change (percent)1992 16.8 43.81995 29.3 24.61998 78.2 10.52001 35.1 -13.72004 -15.6 17.12007 -16.8 -10.4
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 98.3 52.91992 105.8 36.81995 141.4 54.61998 219.4 58.72001 279.7 67.02004 243.1 49.72007 261.0 72.3
Three-year change (percent)1992 7.6 -30.41995 33.6 48.41998 55.2 7.52001 27.5 14.12004 -13.1 -25.82007 7.4 45.5
0
20
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with stock holdings
Percent of families with stock holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 3.7 24.6 35.9 54.5 75.61992 8.5 28.6 45.3 58.5 75.71995 12.5 35.8 44.9 61.1 80.11998 16.2 42.9 55.4 76.4 88.32001 19.5 43.4 62.1 79.4 91.32004 13.4 42.0 59.2 83.2 91.12007 16.6 43.3 59.9 82.1 89.6
Three-year change (percentage points)1992 4.8 4.0 9.4 4.0 0.11995 4.0 7.2 -0.4 2.6 4.41998 3.7 7.1 10.5 15.3 8.22001 3.3 0.5 6.7 3.0 3.02004 -6.1 -1.4 -2.9 3.8 -0.22007 3.2 1.3 0.7 -1.1 -1.5
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of stock holdings for families with holdings
Median value of stock holdings for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 0.9 3.8 9.3 31.7 91.01992 1.4 4.3 12.2 34.7 130.21995 1.4 6.8 15.4 40.6 175.91998 2.3 8.3 31.8 87.7 302.42001 2.1 8.2 35.1 128.7 511.72004 2.2 8.8 29.7 104.3 425.62007 2.1 8.4 30.5 91.5 443.5
Three-year change (percent)1992 55.6 13.2 31.2 9.5 43.11995 0.0 58.1 26.2 17.0 35.11998 64.3 22.1 106.5 116.0 71.92001 -8.7 -1.2 10.4 46.8 69.22004 4.8 7.3 -15.4 -19.0 -16.82007 -4.5 -4.5 2.7 -12.3 4.2
0
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of stock holdings for families with holdings
Mean value of stock holdings for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 2.1 7.6 16.2 58.3 295.01992 2.3 7.7 20.8 54.3 345.01995 4.2 10.5 27.0 63.4 494.61998 4.5 13.5 43.5 111.7 815.32001 4.0 14.9 49.2 165.9 1048.52004 4.2 13.9 43.1 133.6 896.02007 5.7 14.8 47.1 131.3 1040.4
Three-year change (percent)1992 9.5 1.3 28.4 -6.9 16.91995 82.6 36.4 29.8 16.8 43.41998 7.1 28.6 61.1 76.2 64.82001 -11.1 10.4 13.1 48.5 28.62004 5.0 -6.7 -12.4 -19.5 -14.52007 35.7 6.5 9.3 -1.7 16.1
89
90
91
92
93P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with nonfinancial assets
Percent of families with nonfinancial assetsYear All families
Level (percent)1989 89.31992 90.81995 90.91998 89.92001 90.72004 92.52007 92.0
Three-year change (percentage points)1992 1.51995 0.11998 -1.02001 0.82004 1.82007 -0.5
100
120
140
160
180
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 108.71992 99.91995 112.31998 124.52001 132.72004 162.32007 177.4
Three-year change (percent)1992 -8.11995 12.41998 10.92001 6.62004 22.32007 9.3
250
300
350
400
450
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 265.61992 237.71995 233.61998 276.72001 336.72004 402.32007 469.5
Three-year change (percent)1992 -10.51995 -1.71998 18.52001 21.72004 19.52007 16.7
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with nonfinancial assets
Percent of families with nonfinancial assetsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 64.8 87.4 97.4 97.3 99.0 99.61992 67.8 91.0 97.1 98.7 99.6 99.11995 70.0 91.4 95.9 97.7 99.2 99.61998 68.7 89.5 95.4 97.3 98.5 99.02001 67.7 93.1 95.6 97.8 99.4 99.52004 76.4 92.0 96.7 98.4 99.1 99.32007 73.4 91.2 97.2 98.5 99.6 99.7
Three-year change (percentage points)1992 3.0 3.6 -0.3 1.4 0.6 -0.51995 2.2 0.4 -1.2 -1.0 -0.4 0.51998 -1.3 -1.9 -0.5 -0.4 -0.7 -0.62001 -1.0 3.6 0.2 0.5 0.9 0.52004 8.7 -1.1 1.1 0.6 -0.3 -0.22007 -3.0 -0.8 0.5 0.1 0.5 0.4
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 13.8 60.7 82.6 136.1 219.7 472.91992 30.4 53.3 72.4 134.1 181.8 413.91995 22.5 58.3 87.6 141.0 202.8 340.51998 28.4 66.6 99.8 157.3 209.5 421.82001 40.1 66.7 107.8 177.3 262.6 560.92004 24.6 78.0 145.3 216.5 309.5 715.22007 40.0 77.2 139.0 246.3 360.1 799.8
Three-year change (percent)1992 120.3 -12.2 -12.3 -1.5 -17.3 -12.51995 -26.0 9.4 21.0 5.1 11.6 -17.71998 26.2 14.2 13.9 11.6 3.3 23.92001 41.2 0.2 8.0 12.7 25.3 33.02004 -38.7 16.9 34.8 22.1 17.9 27.52007 62.6 -1.0 -4.3 13.8 16.3 11.8
0
500
1000
1500
2000
2500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 49.1 96.7 145.6 200.8 323.9 1146.61992 65.8 86.8 132.5 185.9 280.3 1016.31995 76.1 92.9 121.0 193.3 277.8 964.91998 75.1 105.1 144.5 224.2 308.5 1192.82001 74.0 116.9 149.0 250.4 381.1 1590.82004 96.4 133.4 206.7 323.5 433.4 1876.22007 133.8 131.2 207.1 342.9 558.5 2255.3
Three-year change (percent)1992 34.0 -10.2 -9.0 -7.4 -13.5 -11.41995 15.7 7.0 -8.7 4.0 -0.9 -5.11998 -1.3 13.1 19.4 16.0 11.1 23.62001 -1.5 11.2 3.1 11.7 23.5 33.42004 30.3 14.1 38.7 29.2 13.7 17.92007 38.8 -1.6 0.2 6.0 28.9 20.2
80
85
90
95
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with nonfinancial assets
Percent of families with nonfinancial assetsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 83.9 91.8 93.2 91.2 92.7 85.41992 85.6 92.3 94.4 92.7 91.6 91.31995 87.1 90.6 93.6 93.9 92.6 89.91998 83.3 92.1 92.9 93.8 92.0 87.22001 83.0 93.2 95.2 95.4 91.6 86.42004 88.6 93.0 94.7 92.6 95.6 92.52007 88.2 91.3 95.0 95.6 94.5 87.3
Three-year change (percentage points)1992 1.7 0.5 1.2 1.5 -1.1 5.91995 1.5 -1.7 -0.8 1.2 1.0 -1.41998 -3.8 1.5 -0.7 -0.1 -0.6 -2.72001 -0.3 1.1 2.3 1.6 -0.4 -0.82004 5.6 -0.2 -0.5 -2.8 4.0 6.12007 -0.4 -1.7 0.3 3.0 -1.1 -5.2
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 27.6 135.7 173.7 151.2 102.8 83.21992 25.1 119.3 136.6 154.0 114.2 100.91995 29.8 130.1 152.7 146.0 128.2 106.81998 28.8 131.7 161.4 161.6 139.9 122.32001 34.8 137.8 165.6 172.9 174.5 143.42004 35.5 166.2 202.6 248.6 177.0 150.62007 30.9 182.6 224.9 233.1 212.2 157.1
Three-year change (percent)1992 -9.1 -12.1 -21.4 1.9 11.1 21.31995 18.7 9.1 11.8 -5.2 12.3 5.81998 -3.4 1.2 5.7 10.7 9.1 14.52001 20.8 4.6 2.6 7.0 24.7 17.32004 2.0 20.6 22.3 43.8 1.4 5.02007 -13.0 9.9 11.0 -6.2 19.9 4.3
100
200
300
400
500
600
700
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 110.0 255.6 393.8 400.1 310.6 243.01992 96.6 219.4 340.0 368.7 303.0 188.51995 83.1 209.9 327.7 382.1 302.0 195.11998 106.9 235.3 372.9 445.0 345.7 245.92001 130.0 287.3 408.8 518.9 502.7 290.22004 138.6 351.6 514.1 665.7 465.9 362.12007 183.5 374.9 565.2 674.0 691.7 443.4
Three-year change (percent)1992 -12.2 -14.2 -13.7 -7.8 -2.4 -22.41995 -14.0 -4.3 -3.6 3.6 -0.3 3.51998 28.6 12.1 13.8 16.5 14.5 26.02001 21.6 22.1 9.6 16.6 45.4 18.02004 6.6 22.4 25.8 28.3 -7.3 24.82007 32.4 6.6 9.9 1.2 48.5 22.5
70
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with nonfinancial assets
Percent of families with nonfinancial assetsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 71.1 78.1 80.4 97.7 98.51992 75.1 83.7 84.9 97.3 97.61995 75.4 85.1 87.4 96.8 96.01998 77.1 80.0 84.8 96.7 95.92001 79.5 82.5 83.0 96.9 96.22004 85.4 85.1 88.4 97.0 97.12007 85.1 83.6 85.0 97.4 97.0
Three-year change (percentage points)1992 4.0 5.6 4.5 -0.4 -0.91995 0.3 1.4 2.5 -0.5 -1.61998 1.7 -5.1 -2.6 -0.1 -0.12001 2.4 2.5 -1.8 0.2 0.32004 5.9 2.6 5.4 0.1 0.92007 -0.3 -1.5 -3.4 0.4 -0.1
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 47.4 16.6 74.7 136.4 142.31992 43.3 22.9 79.6 141.0 128.01995 59.2 27.9 82.1 143.5 146.81998 50.9 22.8 95.5 159.8 166.12001 69.0 29.8 104.4 174.8 177.52004 76.1 44.2 117.5 208.8 229.12007 81.9 54.0 135.0 238.0 229.7
Three-year change (percent)1992 -8.6 38.0 6.6 3.4 -10.01995 36.7 21.8 3.1 1.8 14.71998 -14.0 -18.3 16.3 11.4 13.12001 35.6 30.7 9.3 9.4 6.92004 10.3 48.3 12.5 19.5 29.12007 7.6 22.2 14.9 14.0 0.3
100
200
300
400
500
600
700
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 135.9 130.5 154.3 306.1 385.31992 97.5 103.2 169.8 289.7 331.11995 117.7 104.4 165.3 261.5 341.11998 128.3 112.6 198.1 327.2 388.32001 126.2 145.0 214.1 415.3 453.12004 172.7 179.7 269.4 495.3 564.32007 199.7 222.4 279.6 558.9 673.2
Three-year change (percent)1992 -28.3 -20.9 10.0 -5.4 -14.11995 20.7 1.2 -2.7 -9.7 3.01998 9.0 7.9 19.8 25.1 13.82001 -1.6 28.8 8.1 26.9 16.72004 36.8 23.9 25.8 19.3 24.52007 15.6 23.8 3.8 12.8 19.3
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with nonfinancial assets
Percent of families with nonfinancial assetsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 83.7 87.4 90.8 95.41992 80.2 90.8 91.7 97.01995 80.9 90.8 91.2 96.71998 77.3 90.1 92.0 94.92001 77.4 91.6 91.3 95.82004 81.9 92.4 93.3 96.52007 80.9 92.2 91.0 96.6
Three-year change (percentage points)1992 -3.5 3.4 0.9 1.61995 0.7 0.0 -0.5 -0.31998 -3.6 -0.7 0.8 -1.82001 0.1 1.5 -0.7 0.92004 4.5 0.8 2.0 0.72007 -1.0 -0.2 -2.3 0.1
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 66.2 91.8 115.8 191.41992 52.5 79.0 111.2 164.51995 65.5 102.8 98.8 175.71998 63.7 104.9 136.4 185.22001 79.6 103.7 127.5 226.02004 59.9 119.9 150.9 264.92007 84.4 137.6 157.3 289.4
Three-year change (percent)1992 -20.7 -13.9 -4.0 -14.11995 24.8 30.1 -11.2 6.81998 -2.7 2.0 38.1 5.42001 25.0 -1.1 -6.5 22.02004 -24.7 15.6 18.4 17.22007 40.9 14.8 4.2 9.2
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 136.4 174.3 268.8 459.61992 105.8 151.1 231.0 387.41995 120.0 165.1 211.8 370.21998 112.9 174.3 250.2 450.52001 132.6 183.5 261.0 590.32004 167.7 204.1 309.5 684.72007 170.8 255.8 365.4 806.2
Three-year change (percent)1992 -22.4 -13.3 -14.1 -15.71995 13.4 9.3 -8.3 -4.41998 -5.9 5.6 18.1 21.72001 17.4 5.3 4.3 31.02004 26.5 11.2 18.6 16.02007 1.8 25.3 18.1 17.7
75
80
85
90
95
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with nonfinancial assets
Percent of families with nonfinancial assetsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 94.1 74.81992 95.0 77.91995 95.1 76.31998 93.9 76.72001 94.7 78.42004 95.8 84.02007 94.6 85.8
Three-year change (percentage points)1992 0.9 3.11995 0.1 -1.61998 -1.2 0.42001 0.8 1.72004 1.1 5.62007 -1.2 1.8
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 120.7 45.81992 115.7 50.51995 126.6 47.11998 137.3 67.52001 155.2 69.02004 181.0 70.42007 203.8 102.0
Three-year change (percent)1992 -4.1 10.31995 9.4 -6.71998 8.5 43.32001 13.0 2.22004 16.6 2.02007 12.6 44.9
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 298.5 142.61992 262.8 144.41995 259.0 123.91998 308.6 147.12001 384.6 159.82004 466.5 212.22007 535.7 293.2
Three-year change (percent)1992 -12.0 1.31995 -1.4 -14.21998 19.2 18.72001 24.6 8.62004 21.3 32.82007 14.8 38.2
50
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with nonfinancial assets
Percent of families with nonfinancial assetsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 92.1 98.5 87.1 57.51992 93.6 98.2 89.1 67.01995 93.9 96.0 88.2 65.81998 92.4 98.1 85.2 66.12001 92.5 97.1 86.7 70.32004 93.8 97.5 89.8 76.32007 94.4 97.6 87.2 74.8
Three-year change (percentage points)1992 1.5 -0.3 2.0 9.51995 0.3 -2.2 -0.9 -1.21998 -1.5 2.1 -3.0 0.32001 0.1 -1.0 1.5 4.22004 1.3 0.4 3.1 6.02007 0.6 0.1 -2.6 -1.5
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 108.8 299.0 96.2 19.61992 94.5 259.5 94.9 26.11995 110.0 233.9 106.8 25.61998 114.0 322.2 124.6 34.32001 119.2 391.8 122.8 88.52004 155.8 368.3 144.7 65.92007 167.1 455.0 156.0 29.3
Three-year change (percent)1992 -13.1 -13.2 -1.4 33.21995 16.4 -9.9 12.5 -1.91998 3.6 37.8 16.7 34.02001 4.6 21.6 -1.4 158.02004 30.7 -6.0 17.8 -25.52007 7.3 23.5 7.8 -55.5
0
500
1000
1500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 181.5 872.9 191.8 104.31992 166.9 751.2 188.3 104.61995 159.0 804.3 188.4 101.81998 175.3 915.3 229.7 116.52001 201.1 1122.4 294.3 196.22004 269.8 1285.8 308.8 178.32007 313.0 1631.8 378.8 171.9
Three-year change (percent)1992 -8.0 -13.9 -1.8 0.31995 -4.7 7.1 0.1 -2.71998 10.3 13.8 21.9 14.42001 14.7 22.6 28.1 68.42004 34.2 14.6 4.9 -9.12007 16.0 26.9 22.7 -3.6
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with nonfinancial assets
Percent of families with nonfinancial assetsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 97.6 87.2 94.6 80.91992 97.8 91.7 93.9 83.91995 96.9 90.6 95.5 83.61998 96.1 88.1 94.9 81.92001 96.3 89.2 93.9 84.02004 97.0 90.9 94.7 87.72007 97.2 91.6 95.2 85.2
Three-year change (percentage points)1992 0.2 4.5 -0.7 3.01995 -0.9 -1.1 1.6 -0.31998 -0.8 -2.5 -0.6 -1.72001 0.2 1.1 -1.0 2.12004 0.7 1.7 0.8 3.72007 0.2 0.7 0.5 -2.5
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 188.3 103.5 90.2 87.01992 176.9 90.6 78.3 84.01995 193.5 105.0 96.6 94.61998 185.5 105.4 107.6 114.62001 231.8 110.6 100.7 119.02004 266.2 121.9 126.6 139.62007 278.9 155.0 135.6 146.7
Three-year change (percent)1992 -6.1 -12.5 -13.2 -3.41995 9.4 15.9 23.4 12.61998 -4.1 0.4 11.4 21.12001 25.0 4.9 -6.4 3.82004 14.8 10.2 25.7 17.32007 4.8 27.2 7.1 5.1
0
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 511.1 214.5 180.4 178.81992 454.2 193.2 141.5 172.41995 439.8 207.4 155.6 174.51998 495.7 228.7 164.2 214.52001 638.1 205.9 151.3 280.82004 767.3 263.6 183.3 291.22007 873.4 317.8 233.3 350.4
Three-year change (percent)1992 -11.1 -9.9 -21.6 -3.61995 -3.2 7.3 10.0 1.21998 12.7 10.3 5.5 22.92001 28.7 -10.0 -7.9 30.92004 20.2 28.0 21.2 3.72007 13.8 20.6 27.3 20.3
82
84
86
88
90
92
94
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with nonfinancial assets
Percent of families with nonfinancial assetsRegion
Year Northeast Midwest South WestLevel (percent)
1989 87.4 88.2 89.5 92.11992 83.5 93.3 92.5 92.11995 87.2 92.7 90.5 92.91998 84.6 91.6 91.7 90.02001 82.6 93.5 92.9 91.22004 90.3 94.2 92.1 93.42007 84.2 93.4 93.8 94.1
Three-year change (percentage points)1992 -3.9 5.1 3.0 0.01995 3.7 -0.6 -2.0 0.81998 -2.6 -1.1 1.2 -2.92001 -2.0 1.9 1.2 1.22004 7.7 0.7 -0.8 2.22007 -6.1 -0.8 1.7 0.7
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 166.3 105.6 83.2 140.51992 159.9 93.3 69.9 142.31995 146.6 113.0 94.3 127.91998 152.8 124.7 104.7 144.52001 160.4 147.6 117.0 149.12004 228.1 165.0 131.4 191.62007 250.0 157.4 145.8 251.6
Three-year change (percent)1992 -3.8 -11.6 -16.0 1.31995 -8.3 21.1 34.9 -10.11998 4.2 10.4 11.0 13.02001 5.0 18.4 11.7 3.22004 42.2 11.8 12.3 28.52007 9.6 -4.6 10.9 31.3
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 295.0 254.9 193.5 367.41992 288.0 207.5 168.5 344.61995 271.1 211.7 202.6 275.41998 298.4 239.0 249.1 347.72001 371.3 277.5 318.3 405.12004 485.2 364.8 306.8 529.52007 553.9 361.0 410.9 614.9
Three-year change (percent)1992 -2.4 -18.6 -12.9 -6.21995 -5.9 2.0 20.2 -20.11998 10.1 12.9 23.0 26.32001 24.4 16.1 27.8 16.52004 30.7 31.5 -3.6 30.72007 14.2 -1.0 33.9 16.1
88
90
92
94
96
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with nonfinancial assets
Percent of families with nonfinancial assetsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 88.3 93.31992 90.3 93.11995 90.2 94.61998 89.2 94.42001 90.1 94.32004 92.1 94.62007 91.5 94.3
Three-year change (percentage points)1992 2.0 -0.21995 -0.1 1.51998 -1.0 -0.22001 0.9 -0.12004 2.0 0.32007 -0.6 -0.3
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 112.7 87.71992 114.3 66.91995 121.6 76.21998 129.6 100.92001 140.5 102.72004 178.4 104.02007 194.0 118.6
Three-year change (percent)1992 1.4 -23.71995 6.4 13.91998 6.6 32.42001 8.4 1.82004 27.0 1.32007 8.7 14.0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 286.3 182.01992 267.4 111.21995 248.2 152.61998 299.7 150.62001 362.5 183.12004 450.5 175.32007 522.3 220.6
Three-year change (percent)1992 -6.6 -38.91995 -7.2 37.21998 20.7 -1.32001 21.0 21.62004 24.3 -4.32007 15.9 25.8
70
75
80
85
90
95
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with nonfinancial assets
Percent of families with nonfinancial assetsHousing status
Year Owner Renter or otherLevel (percent)
1989 100.0 70.21992 100.0 74.51995 100.0 74.11998 100.0 70.12001 100.0 71.32004 100.0 75.92007 100.0 74.5
Three-year change (percentage points)1992 0.0 4.31995 0.0 -0.41998 0.0 -4.02001 0.0 1.22004 0.0 4.62007 0.0 -1.4
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 156.4 8.01992 149.8 7.41995 156.5 10.01998 166.1 9.22001 183.6 10.32004 221.4 9.22007 253.5 10.1
Three-year change (percent)1992 -4.2 -7.51995 4.5 35.11998 6.1 -8.02001 10.5 12.02004 20.6 -10.72007 14.5 9.8
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 348.5 56.61992 317.3 48.51995 313.3 36.61998 362.2 37.52001 436.9 42.42004 522.2 49.92007 609.1 59.6
Three-year change (percent)1992 -9.0 -14.31995 -1.3 -24.51998 15.6 2.52001 20.6 13.12004 19.5 17.72007 16.6 19.4
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with nonfinancial assets
Percent of families with nonfinancial assetsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 61.6 96.1 99.6 99.5 99.91992 67.1 97.0 99.3 99.7 99.91995 68.4 96.3 99.0 99.8 99.91998 65.2 96.0 99.1 99.2 99.62001 68.2 96.4 98.7 99.6 99.72004 73.7 97.5 99.0 99.8 99.92007 71.6 97.7 99.5 99.0 99.6
Three-year change (percentage points)1992 5.5 0.9 -0.3 0.2 0.01995 1.3 -0.7 -0.3 0.1 0.01998 -3.2 -0.3 0.1 -0.6 -0.32001 3.0 0.4 -0.4 0.4 0.12004 5.5 1.1 0.3 0.2 0.22007 -2.1 0.2 0.5 -0.8 -0.3
0
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of nonfinancial assets for families with holdings
Median value of nonfinancial assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 4.2 41.6 138.5 292.6 816.21992 5.1 49.3 128.1 237.0 642.81995 7.9 55.7 137.4 229.1 536.11998 8.1 65.7 149.2 278.1 659.12001 9.6 74.0 170.0 329.6 833.32004 8.1 79.5 207.0 396.2 996.22007 8.6 95.7 229.8 439.2 1160.0
Three-year change (percent)1992 21.4 18.5 -7.5 -19.0 -21.21995 54.9 13.0 7.3 -3.3 -16.61998 2.5 18.0 8.6 21.4 22.92001 18.5 12.6 13.9 18.5 26.42004 -15.6 7.4 21.8 20.2 19.52007 6.2 20.4 11.0 10.9 16.4
0
500
1000
1500
2000
2500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of nonfinancial assets for families with holdings
Mean value of nonfinancial assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 13.4 54.5 152.1 299.6 1394.01992 14.7 61.4 140.1 255.9 1255.41995 20.4 71.4 148.2 243.7 1185.61998 24.4 78.3 160.9 296.1 1427.12001 22.6 82.9 189.7 366.1 1806.32004 25.3 97.0 238.8 449.5 2176.92007 32.0 114.9 256.2 475.6 2647.7
Three-year change (percent)1992 9.7 12.7 -7.9 -14.6 -9.91995 38.8 16.3 5.8 -4.8 -5.61998 19.6 9.7 8.6 21.5 20.42001 -7.4 5.9 17.9 23.6 26.62004 11.9 17.0 25.9 22.8 20.52007 26.5 18.5 7.3 5.8 21.6
64
65
66
67
68
69
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with primary residence
Percent of families with primary residenceYear All families
Level (percent)1989 63.91992 63.91995 64.71998 66.22001 67.72004 69.12007 68.6
Three-year change (percentage points)1992 0.01995 0.81998 1.52001 1.52004 1.42007 -0.5
100
120
140
160
180
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 112.71992 115.81995 121.71998 127.32001 143.92004 175.72007 200.0
Three-year change (percent)1992 2.81995 5.11998 4.62001 13.02004 22.12007 13.8
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 170.51992 158.61995 155.71998 176.62001 211.52004 271.12007 302.4
Three-year change (percent)1992 -7.01995 -1.81998 13.42001 19.82004 28.22007 11.5
20
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with primary residence
Percent of families with primary residencePercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 32.9 54.9 65.4 76.4 86.2 93.51992 38.9 56.4 61.8 75.9 83.2 90.11995 39.7 55.4 62.6 77.3 85.9 91.31998 38.8 55.3 67.3 79.1 88.2 93.12001 40.6 57.3 66.0 81.8 90.9 94.42004 40.3 56.9 71.6 83.1 91.9 94.72007 41.4 55.2 69.3 83.9 92.6 94.3
Three-year change (percentage points)1992 6.0 1.5 -3.6 -0.5 -3.0 -3.41995 0.8 -1.0 0.8 1.4 2.7 1.21998 -0.9 -0.1 4.7 1.8 2.3 1.82001 1.8 2.0 -1.3 2.7 2.7 1.32004 -0.3 -0.4 5.6 1.3 1.0 0.32007 1.1 -1.7 -2.3 0.8 0.7 -0.4
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 48.3 80.5 95.0 120.7 161.0 322.01992 57.9 72.4 95.5 123.0 144.7 260.51995 60.8 87.9 101.4 128.4 162.2 236.61998 70.0 95.5 108.2 140.0 174.4 286.52001 76.0 93.6 111.1 152.0 204.7 350.92004 76.9 109.8 148.3 192.2 247.1 494.22007 100.0 120.0 150.0 215.0 300.0 500.0
Three-year change (percent)1992 19.9 -10.1 0.5 1.9 -10.1 -19.11995 5.0 21.4 6.2 4.4 12.1 -9.21998 15.1 8.6 6.7 9.0 7.5 21.12001 8.6 -2.0 2.7 8.6 17.4 22.52004 1.2 17.3 33.5 26.4 20.7 40.82007 30.0 9.3 1.1 11.9 21.4 1.2
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 62.2 102.1 124.9 152.4 204.2 388.91992 76.7 96.2 117.0 146.7 188.3 357.01995 76.0 105.8 119.4 146.5 187.6 320.61998 87.8 112.2 127.5 166.0 206.5 387.72001 87.6 128.2 142.5 191.2 243.2 520.32004 113.1 144.2 193.9 246.2 315.1 675.62007 138.4 155.5 193.9 270.8 380.6 757.4
Three-year change (percent)1992 23.3 -5.8 -6.3 -3.7 -7.8 -8.21995 -0.9 10.0 2.1 -0.1 -0.4 -10.21998 15.5 6.0 6.8 13.3 10.1 20.92001 -0.2 14.3 11.8 15.2 17.8 34.22004 29.1 12.5 36.1 28.8 29.6 29.82007 22.4 7.8 0.0 10.0 20.8 12.1
40
50
60
70
80
90
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with primary residence
Percent of families with primary residenceAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 39.4 66.1 76.5 80.1 77.7 69.91992 36.8 64.5 75.4 77.5 79.3 77.21995 37.9 64.7 75.3 82.0 79.5 72.81998 38.9 67.1 74.4 80.3 81.5 77.02001 39.9 67.8 76.2 83.2 82.5 76.22004 41.6 68.3 77.3 79.1 81.3 85.22007 40.7 66.1 77.3 81.0 85.5 77.0
Three-year change (percentage points)1992 -2.6 -1.6 -1.1 -2.6 1.6 7.31995 1.1 0.2 -0.1 4.5 0.2 -4.41998 1.0 2.4 -0.9 -1.7 2.0 4.22001 1.0 0.7 1.8 2.9 1.0 -0.82004 1.7 0.5 1.1 -4.1 -1.2 9.02007 -0.9 -2.2 0.0 1.9 4.2 -8.2
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 98.2 128.8 136.8 120.7 88.5 88.51992 99.8 130.2 130.2 122.9 99.8 101.31995 102.7 128.4 135.2 117.6 114.9 108.21998 106.9 128.6 152.8 140.0 121.0 108.22001 111.1 146.2 157.9 152.0 150.9 129.82004 148.3 175.7 186.7 219.7 164.7 137.32007 175.0 205.0 230.0 210.0 200.0 150.0
Three-year change (percent)1992 1.6 1.1 -4.8 1.8 12.8 14.51995 2.9 -1.4 3.8 -4.3 15.1 6.81998 4.1 0.2 13.0 19.0 5.3 0.02001 3.9 13.7 3.3 8.6 24.7 20.02004 33.5 20.2 18.2 44.5 9.1 5.82007 18.0 16.7 23.2 -4.4 21.4 9.2
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 133.6 185.5 207.0 182.9 148.0 146.91992 131.2 166.2 184.0 172.3 147.0 133.21995 113.0 159.2 186.0 170.9 145.5 138.91998 129.6 172.5 200.8 204.3 176.9 157.92001 149.2 210.1 237.3 233.5 217.7 196.42004 188.9 259.9 300.6 350.0 251.7 233.42007 233.3 288.0 336.0 320.0 344.1 258.6
Three-year change (percent)1992 -1.8 -10.4 -11.1 -5.8 -0.7 -9.31995 -13.9 -4.2 1.1 -0.8 -1.0 4.31998 14.7 8.4 8.0 19.5 21.6 13.72001 15.1 21.8 18.2 14.3 23.1 24.42004 26.6 23.7 26.7 49.9 15.6 18.82007 23.5 10.8 11.8 -8.6 36.7 10.8
30
40
50
60
70
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with primary residence
Percent of families with primary residenceFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 42.7 28.2 59.2 77.5 80.81992 43.0 35.4 65.8 74.6 76.91995 46.8 37.9 65.2 74.6 76.51998 46.9 34.6 67.3 79.1 78.02001 48.5 37.5 68.6 78.7 78.52004 54.5 41.1 70.1 77.8 80.92007 49.1 43.4 67.5 78.0 80.1
Three-year change (percentage points)1992 0.3 7.2 6.6 -2.9 -3.91995 3.8 2.5 -0.6 0.0 -0.41998 0.1 -3.3 2.1 4.5 1.52001 1.6 2.9 1.3 -0.4 0.52004 6.0 3.6 1.5 -0.9 2.42007 -5.4 2.3 -2.6 0.2 -0.8
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 88.5 122.4 80.5 125.6 116.71992 94.1 94.1 91.2 136.0 115.81995 101.4 108.2 94.6 135.2 128.41998 95.5 101.9 95.5 146.4 140.02001 99.4 105.3 105.3 163.7 152.02004 128.2 142.8 131.8 197.7 208.72007 150.0 155.0 145.0 240.0 210.0
Three-year change (percent)1992 6.3 -23.1 13.3 8.3 -0.81995 7.8 15.0 3.7 -0.6 10.91998 -5.8 -5.8 1.0 8.3 9.02001 4.1 3.3 10.3 11.8 8.62004 29.0 35.6 25.2 20.8 37.32007 17.0 8.5 10.0 21.4 0.6
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 128.2 164.7 127.4 185.7 181.01992 123.1 126.8 118.4 184.2 165.81995 123.6 122.8 120.5 173.6 168.61998 130.3 124.7 129.8 195.1 201.02001 131.1 144.5 148.4 242.6 239.02004 164.9 194.4 207.5 313.9 307.92007 240.1 228.3 207.9 342.2 338.9
Three-year change (percent)1992 -4.0 -23.0 -7.1 -0.8 -8.41995 0.4 -3.2 1.8 -5.8 1.71998 5.4 1.5 7.7 12.4 19.22001 0.6 15.9 14.3 24.3 18.92004 25.8 34.5 39.8 29.4 28.82007 45.6 17.4 0.2 9.0 10.1
50
55
60
65
70
75
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with primary residence
Percent of families with primary residenceEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 61.8 59.8 63.7 70.51992 56.7 62.7 63.0 70.21995 58.9 65.3 60.1 70.51998 54.6 66.2 64.7 72.92001 58.8 65.4 63.4 76.32004 56.3 65.8 64.5 79.12007 52.8 68.9 62.3 77.8
Three-year change (percentage points)1992 -5.1 2.9 -0.7 -0.31995 2.2 2.6 -2.9 0.31998 -4.3 0.9 4.6 2.42001 4.2 -0.8 -1.3 3.42004 -2.5 0.4 1.1 2.82007 -3.5 3.1 -2.2 -1.3
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 72.4 96.6 115.9 188.41992 65.1 94.1 123.0 166.41995 77.1 101.4 121.7 175.71998 82.8 108.2 140.0 175.12001 87.7 111.1 140.4 210.52004 82.4 137.3 169.1 263.62007 122.5 150.0 192.0 280.0
Three-year change (percent)1992 -10.1 -2.6 6.1 -11.71995 18.4 7.8 -1.1 5.61998 7.4 6.7 15.0 -0.32001 5.9 2.7 0.3 20.22004 -6.0 23.6 20.4 25.22007 48.7 9.2 13.5 6.2
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 100.8 131.7 181.0 256.51992 85.2 120.6 152.3 231.71995 93.3 122.5 149.4 222.21998 99.8 130.0 177.2 245.32001 105.7 142.6 181.0 318.72004 156.2 173.5 244.3 382.22007 169.2 199.9 264.4 437.6
Three-year change (percent)1992 -15.5 -8.4 -15.9 -9.71995 9.5 1.6 -1.9 -4.11998 7.0 6.1 18.6 10.42001 5.9 9.7 2.1 29.92004 47.8 21.7 35.0 19.92007 8.3 15.2 8.2 14.5
45
50
55
60
65
70
75
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with primary residence
Percent of families with primary residenceRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 70.5 44.41992 70.3 44.41995 70.6 44.31998 72.0 47.22001 74.3 47.32004 76.1 50.82007 75.6 51.9
Three-year change (percentage points)1992 -0.2 0.01995 0.3 -0.11998 1.4 2.92001 2.3 0.12004 1.8 3.52007 -0.5 1.1
80
100
120
140
160
180
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 120.7 80.51992 122.9 73.81995 123.0 94.61998 127.3 108.22001 152.0 108.82004 181.2 142.82007 200.0 180.0
Three-year change (percent)1992 1.8 -8.31995 0.1 28.21998 3.5 14.42001 19.4 0.62004 19.2 31.22007 10.4 26.1
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 178.5 132.81992 166.2 122.31995 160.9 127.11998 183.9 139.32001 223.7 152.82004 287.1 209.02007 313.0 265.4
Three-year change (percent)1992 -6.9 -7.91995 -3.2 3.91998 14.3 9.62001 21.6 9.72004 28.3 36.82007 9.0 27.0
30
40
50
60
70
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with primary residence
Percent of families with primary residenceCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 62.1 73.1 72.8 30.31992 61.3 76.7 73.5 33.31995 63.8 74.5 70.7 33.51998 63.5 81.3 72.4 35.42001 64.7 80.3 73.8 43.62004 66.5 79.1 75.8 40.02007 67.2 82.4 72.9 33.3
Three-year change (percentage points)1992 -0.8 3.6 0.7 3.01995 2.5 -2.2 -2.8 0.21998 -0.3 6.8 1.7 1.92001 1.2 -1.0 1.4 8.22004 1.8 -1.2 2.0 -3.62007 0.7 3.3 -2.9 -6.7
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 120.7 161.0 88.5 56.31992 123.0 180.9 94.1 81.01995 121.7 162.2 102.7 87.91998 124.8 185.9 113.3 114.62001 140.4 233.9 117.0 117.02004 175.7 272.4 142.8 142.82007 200.0 300.0 155.0 160.0
Three-year change (percent)1992 1.9 12.4 6.3 43.91995 -1.1 -10.3 9.1 8.51998 2.5 14.6 10.3 30.42001 12.5 25.8 3.3 2.12004 25.1 16.5 22.1 22.12007 13.8 10.1 8.5 12.0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 171.6 259.6 136.3 103.51992 152.7 256.2 131.1 125.61995 149.2 242.4 134.4 134.31998 160.1 287.0 157.0 150.82001 184.8 370.2 188.3 188.32004 253.9 431.3 229.9 229.62007 284.1 479.8 263.3 253.3
Three-year change (percent)1992 -11.0 -1.3 -3.8 21.41995 -2.3 -5.4 2.5 6.91998 7.3 18.4 16.8 12.32001 15.4 29.0 19.9 24.92004 37.4 16.5 22.1 21.92007 11.9 11.2 14.5 10.3
55
60
65
70
75
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with primary residence
Percent of families with primary residenceCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 73.8 53.6 64.5 63.91992 71.3 59.9 60.4 64.01995 72.4 59.9 65.2 63.11998 71.8 57.6 68.3 66.02001 75.8 58.7 65.8 68.92004 78.1 58.2 66.6 70.32007 78.2 61.5 66.3 66.7
Three-year change (percentage points)1992 -2.5 6.3 -4.1 0.11995 1.1 0.0 4.8 -0.91998 -0.6 -2.3 3.1 2.92001 4.0 1.1 -2.5 2.92004 2.3 -0.5 0.8 1.42007 0.1 3.3 -0.3 -3.6
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 185.1 129.7 91.8 88.51992 180.9 108.5 94.1 94.11995 182.5 120.3 101.4 102.71998 178.2 117.1 113.3 114.62001 210.5 134.5 104.1 117.02004 263.2 164.7 142.8 142.82007 270.0 200.0 157.9 155.0
Three-year change (percent)1992 -2.3 -16.3 2.5 6.31995 0.9 10.9 7.8 9.11998 -2.4 -2.7 11.7 11.62001 18.1 14.9 -8.1 2.12004 25.0 22.5 37.2 22.12007 2.6 21.4 10.6 8.5
100
150
200
250
300
350
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 265.3 173.8 120.1 133.11992 235.1 150.1 120.6 130.41995 236.7 151.5 113.2 134.41998 250.5 165.9 131.4 157.32001 317.6 174.1 126.6 188.32004 401.0 228.2 166.7 229.82007 421.2 271.8 205.8 262.5
Three-year change (percent)1992 -11.4 -13.6 0.4 -2.01995 0.7 0.9 -6.1 3.11998 5.8 9.5 16.1 17.02001 26.8 4.9 -3.7 19.72004 26.3 31.1 31.7 22.02007 5.0 19.1 23.5 14.2
55
60
65
70
75
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with primary residence
Percent of families with primary residenceRegion
Year Northeast Midwest South WestLevel (percent)
1989 61.3 69.1 65.6 57.41992 64.3 67.0 64.0 59.71995 62.0 70.6 64.8 60.51998 65.6 71.8 67.4 58.72001 62.3 75.1 71.9 57.42004 69.8 73.5 68.9 64.02007 66.1 71.3 70.2 65.4
Three-year change (percentage points)1992 3.0 -2.1 -1.6 2.31995 -2.3 3.6 0.8 0.81998 3.6 1.2 2.6 -1.82001 -3.3 3.3 4.5 -1.32004 7.5 -1.6 -3.0 6.62007 -3.7 -2.2 1.3 1.4
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 201.2 93.4 85.3 193.21992 166.4 94.1 86.8 180.91995 162.2 106.8 100.0 169.01998 159.1 114.6 108.2 180.82001 175.4 140.4 111.1 216.42004 274.6 159.3 142.8 247.12007 275.0 155.0 160.0 300.0
Three-year change (percent)1992 -17.3 0.7 1.8 -6.41995 -2.5 13.5 15.2 -6.61998 -1.9 7.3 8.2 7.02001 10.2 22.5 2.7 19.72004 56.6 13.5 28.5 14.22007 0.1 -2.7 12.0 21.4
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 246.2 127.0 115.2 257.41992 195.5 126.6 114.4 240.81995 192.2 125.5 126.5 212.21998 200.3 149.9 142.2 254.62001 260.0 170.2 170.1 308.82004 350.1 205.1 211.1 383.72007 381.7 222.6 244.5 428.9
Three-year change (percent)1992 -20.6 -0.3 -0.7 -6.41995 -1.7 -0.9 10.6 -11.91998 4.2 19.4 12.4 20.02001 29.8 13.5 19.6 21.32004 34.7 20.5 24.1 24.32007 9.0 8.5 15.8 11.8
60
65
70
75
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with primary residence
Percent of families with primary residenceUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 61.6 73.51992 63.1 67.71995 63.8 70.21998 64.9 74.02001 66.3 76.02004 68.0 74.02007 68.1 71.1
Three-year change (percentage points)1992 1.5 -5.81995 0.7 2.51998 1.1 3.82001 1.4 2.02004 1.7 -2.02007 0.1 -2.9
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 128.8 72.41992 133.1 65.11995 129.8 78.41998 140.0 89.12001 152.0 93.62004 197.7 98.82007 220.0 115.0
Three-year change (percent)1992 3.3 -10.11995 -2.5 20.41998 7.9 13.62001 8.6 5.12004 30.1 5.62007 11.3 16.4
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 193.8 87.51992 178.5 77.11995 167.8 91.41998 191.1 102.32001 228.5 119.12004 303.4 127.52007 333.6 157.4
Three-year change (percent)1992 -7.9 -11.91995 -6.0 18.51998 13.9 11.92001 19.6 16.42004 32.8 7.12007 10.0 23.5
0
20
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with primary residence
Percent of families with primary residenceHousing status
Year Owner Renter or otherLevel (percent)
1989 100.0 0.01992 100.0 0.01995 100.0 0.01998 100.0 0.02001 100.0 0.02004 100.0 0.02007 100.0 0.0
Three-year change (percentage points)1992 0.0 0.01995 0.0 0.01998 0.0 0.02001 0.0 0.02004 0.0 0.02007 0.0 0.0
100
120
140
160
180
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 112.7 .1992 115.8 .1995 121.7 .1998 127.3 .2001 143.9 .2004 175.7 .2007 200.0 .
Three-year change (percent)1992 2.8 .1995 5.1 .1998 4.6 .2001 13.0 .2004 22.1 .2007 13.8 .
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 170.5 .1992 158.6 .1995 155.7 .1998 176.6 .2001 211.5 .2004 271.1 .2007 302.4 .
Three-year change (percent)1992 -7.0 .1995 -1.8 .1998 13.4 .2001 19.8 .2004 28.2 .2007 11.5 .
0
20
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with primary residence
Percent of families with primary residencePercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 8.6 61.1 92.2 94.0 93.31992 10.7 64.4 87.0 93.1 94.11995 13.6 64.3 88.2 92.3 93.51998 14.0 67.3 89.3 94.0 95.12001 14.2 69.7 91.4 95.0 95.92004 15.1 71.2 93.4 96.2 96.92007 13.7 72.2 92.8 95.2 96.8
Three-year change (percentage points)1992 2.1 3.3 -5.2 -0.9 0.81995 2.9 -0.1 1.2 -0.8 -0.61998 0.4 3.0 1.1 1.7 1.62001 0.2 2.4 2.1 1.0 0.82004 0.9 1.5 2.0 1.2 1.02007 -1.4 1.0 -0.6 -1.0 -0.1
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of primary residence for families with holdings
Median value of primary residence for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 12.9 54.7 112.7 201.2 322.01992 41.2 57.9 110.0 173.6 276.41995 36.5 67.6 114.9 173.0 250.11998 50.9 76.4 121.0 178.2 318.32001 56.7 81.9 140.4 233.9 409.42004 71.4 93.4 175.6 274.6 494.22007 85.2 100.0 200.0 315.0 561.8
Three-year change (percent)1992 219.4 5.9 -2.4 -13.7 -14.21995 -11.4 16.8 4.5 -0.3 -9.51998 39.5 13.0 5.3 3.0 27.32001 11.4 7.2 16.0 31.3 28.62004 25.9 14.0 25.1 17.4 20.72007 19.3 7.1 13.9 14.7 13.7
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of primary residence for families with holdings
Mean value of primary residence for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 46.6 62.8 127.9 220.7 404.91992 47.1 70.6 123.3 191.0 374.71995 58.5 80.5 129.3 183.1 341.71998 68.3 85.0 137.7 206.8 424.72001 59.1 88.9 156.2 260.0 550.32004 78.5 106.3 203.1 323.2 735.32007 111.3 124.6 219.4 353.7 824.4
Three-year change (percent)1992 1.1 12.4 -3.6 -13.5 -7.51995 24.2 14.0 4.9 -4.1 -8.81998 16.8 5.6 6.5 12.9 24.32001 -13.5 4.6 13.4 25.7 29.62004 32.8 19.6 30.0 24.3 33.62007 41.8 17.2 8.0 9.4 12.1
83
84
85
86
87
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with owned vehicles
Percent of families with owned vehiclesYear All families
Level (percent)1989 83.81992 86.11995 84.11998 82.82001 84.82004 86.32007 87.0
Three-year change (percentage points)1992 2.31995 -2.01998 -1.32001 2.02004 1.52007 0.7
10
11
12
13
14
15
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 11.11992 9.81995 13.31998 13.82001 15.82004 15.62007 15.4
Three-year change (percent)1992 -11.71995 35.71998 3.82001 14.52004 -1.32007 -1.3
14
16
18
20
22
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 15.81992 14.31995 18.01998 19.42001 21.42004 22.12007 22.0
Three-year change (percent)1992 -9.51995 25.91998 7.82001 10.32004 3.32007 -0.5
50
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with owned vehicles
Percent of families with owned vehiclesPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 51.6 81.3 94.9 95.0 96.9 95.21992 56.3 86.2 93.9 96.6 97.9 96.91995 58.2 85.3 91.1 92.8 93.8 92.31998 58.7 81.9 89.2 93.0 92.8 90.02001 56.8 86.7 91.6 94.8 95.4 92.82004 65.0 85.3 91.6 95.3 95.9 93.12007 64.4 85.9 94.3 95.4 95.6 94.8
Three-year change (percentage points)1992 4.7 4.9 -1.0 1.6 1.0 1.71995 1.9 -0.9 -2.8 -3.8 -4.1 -4.61998 0.5 -3.4 -1.9 0.2 -1.0 -2.32001 -1.9 4.8 2.4 1.8 2.6 2.82004 8.2 -1.4 0.0 0.5 0.5 0.32007 -0.6 0.6 2.7 0.1 -0.3 1.7
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 3.1 6.6 9.7 13.9 19.6 24.81992 3.7 6.0 8.6 13.2 15.7 21.91995 5.1 8.4 12.4 17.4 22.3 30.21998 5.3 8.1 12.3 17.9 23.5 32.42001 6.2 9.8 14.7 20.6 26.6 35.02004 5.0 8.5 14.4 21.8 28.3 36.22007 5.6 9.1 14.6 20.4 25.4 33.8
Three-year change (percent)1992 19.4 -9.1 -11.3 -5.0 -19.9 -11.71995 37.8 40.0 44.2 31.8 42.0 37.91998 3.9 -3.6 -0.8 2.9 5.4 7.32001 17.0 21.0 19.5 15.1 13.2 8.02004 -19.4 -13.3 -2.0 5.8 6.4 3.42007 12.0 7.1 1.4 -6.4 -10.2 -6.6
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 6.3 8.6 12.1 17.5 22.5 35.81992 6.0 8.3 11.2 16.0 20.0 31.41995 7.4 10.6 15.1 20.9 26.7 36.01998 8.0 11.2 15.7 21.2 26.3 45.52001 9.3 13.1 17.1 24.3 30.7 44.92004 8.7 12.0 17.4 26.2 31.7 49.92007 8.5 12.6 17.3 24.8 29.9 53.3
Three-year change (percent)1992 -4.8 -3.5 -7.4 -8.6 -11.1 -12.31995 23.3 27.7 34.8 30.6 33.5 14.61998 8.1 5.7 4.0 1.4 -1.5 26.42001 16.2 17.0 8.9 14.6 16.7 -1.32004 -6.5 -8.4 1.8 7.8 3.3 11.12007 -2.3 5.0 -0.6 -5.3 -5.7 6.8
65
70
75
80
85
90
95
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with owned vehicles
Percent of families with owned vehiclesAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 81.4 88.9 90.8 86.3 81.5 66.11992 83.7 88.7 92.9 87.1 86.1 73.01995 83.8 84.7 88.2 88.4 82.5 72.21998 78.3 85.8 87.5 88.7 83.4 69.82001 78.8 88.9 90.5 90.7 81.3 73.92004 82.9 89.4 88.8 88.6 89.1 76.92007 85.4 87.5 90.3 92.2 90.6 71.5
Three-year change (percentage points)1992 2.3 -0.2 2.1 0.8 4.6 6.91995 0.1 -4.0 -4.7 1.3 -3.6 -0.81998 -5.5 1.1 -0.7 0.3 0.9 -2.42001 0.5 3.1 3.0 2.0 -2.1 4.12004 4.1 0.5 -1.7 -2.1 7.8 3.02007 2.5 -1.9 1.5 3.6 1.5 -5.4
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 8.9 13.0 15.2 11.4 8.7 6.41992 8.6 10.9 12.2 12.0 7.2 6.41995 12.0 14.4 17.4 15.5 11.1 7.11998 11.3 14.5 16.2 17.2 13.8 8.92001 13.3 17.3 18.3 17.7 15.9 10.32004 12.4 17.2 20.6 20.5 13.6 9.22007 13.3 17.4 18.7 17.4 14.6 9.4
Three-year change (percent)1992 -3.4 -16.2 -19.7 5.3 -17.2 0.01995 39.5 32.1 42.6 29.2 54.2 10.91998 -5.8 0.7 -6.9 11.0 24.3 25.42001 17.7 19.3 13.0 2.9 15.2 15.72004 -6.8 -0.6 12.6 15.8 -14.5 -10.72007 7.3 1.2 -9.2 -15.1 7.4 2.2
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 11.9 17.4 21.8 18.2 14.6 9.41992 12.0 15.3 16.2 18.1 12.8 9.91995 15.0 18.7 22.7 20.2 17.1 12.31998 14.5 20.2 22.3 25.0 19.4 13.72001 17.0 21.6 24.8 25.4 22.4 15.62004 15.9 23.1 25.3 29.2 21.6 15.02007 17.5 22.0 24.9 26.1 24.9 13.9
Three-year change (percent)1992 0.8 -12.1 -25.7 -0.5 -12.3 5.31995 25.0 22.2 40.1 11.6 33.6 24.21998 -3.3 8.0 -1.8 23.8 13.5 11.42001 17.2 6.9 11.2 1.6 15.5 13.92004 -6.5 6.9 2.0 15.0 -3.6 -3.82007 10.1 -4.8 -1.6 -10.6 15.3 -7.3
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with owned vehicles
Percent of families with owned vehiclesFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 62.2 73.6 61.2 96.3 96.81992 66.4 79.4 70.6 95.8 96.21995 69.1 77.5 70.1 92.8 91.51998 67.9 73.8 69.4 91.6 91.22001 72.6 76.3 69.2 93.9 91.32004 77.9 77.9 75.3 93.2 92.92007 77.4 78.4 73.7 94.9 94.0
Three-year change (percentage points)1992 4.2 5.8 9.4 -0.5 -0.61995 2.7 -1.9 -0.5 -3.0 -4.71998 -1.2 -3.7 -0.7 -1.2 -0.32001 4.7 2.5 -0.2 2.3 0.12004 5.3 1.6 6.1 -0.7 1.62007 -0.5 0.5 -1.6 1.7 1.1
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 6.6 6.9 5.8 14.0 14.51992 5.7 6.1 5.1 12.7 12.81995 7.9 10.1 6.3 17.4 17.21998 7.8 9.4 6.3 17.2 19.42001 9.5 10.1 7.8 20.9 19.52004 8.4 9.8 7.2 22.3 20.72007 8.4 9.9 7.7 21.6 19.2
Three-year change (percent)1992 -13.6 -11.6 -12.1 -9.3 -11.71995 38.6 65.6 23.5 37.0 34.41998 -1.3 -6.9 0.0 -1.1 12.82001 21.8 7.4 23.8 21.5 0.52004 -11.6 -3.0 -7.7 6.7 6.22007 0.0 1.0 6.9 -3.1 -7.2
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 9.2 9.5 9.0 18.7 19.71992 9.2 9.1 8.6 17.1 17.51995 10.3 12.7 10.6 21.5 21.91998 10.8 12.6 10.1 22.7 25.22001 13.2 13.1 11.7 25.8 26.12004 12.1 12.8 11.7 27.8 28.22007 12.8 12.2 11.6 27.3 27.9
Three-year change (percent)1992 0.0 -4.2 -4.4 -8.6 -11.21995 12.0 39.6 23.3 25.7 25.11998 4.9 -0.8 -4.7 5.6 15.12001 22.2 4.0 15.8 13.7 3.62004 -8.3 -2.3 0.0 7.8 8.02007 5.8 -4.7 -0.9 -1.8 -1.1
65
70
75
80
85
90
95
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with owned vehicles
Percent of families with owned vehiclesEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 71.8 83.3 87.4 92.71992 70.2 86.4 87.3 95.31995 71.8 85.7 84.6 89.51998 69.4 84.7 84.3 86.92001 66.0 87.0 87.4 90.22004 70.1 87.6 88.2 90.72007 73.7 87.5 86.7 91.9
Three-year change (percentage points)1992 -1.6 3.1 -0.1 2.61995 1.6 -0.7 -2.7 -5.81998 -2.4 -1.0 -0.3 -2.62001 -3.4 2.3 3.1 3.32004 4.1 0.6 0.8 0.52007 3.6 -0.1 -1.5 1.2
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 6.6 11.1 11.6 13.61992 6.0 8.7 10.3 12.81995 8.7 13.6 12.5 16.31998 8.5 12.3 13.9 17.52001 10.0 14.4 15.2 20.32004 8.2 13.6 14.5 20.72007 10.4 13.2 14.6 19.9
Three-year change (percent)1992 -9.1 -21.6 -11.2 -5.91995 45.0 56.3 21.4 27.31998 -2.3 -9.6 11.2 7.42001 17.6 17.1 9.4 16.02004 -18.0 -5.6 -4.6 2.02007 26.8 -2.9 0.7 -3.9
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 10.4 16.2 16.1 19.01992 9.4 12.2 14.1 18.41995 12.3 17.7 16.9 21.61998 12.5 16.6 20.0 24.42001 14.6 18.7 20.0 27.02004 13.6 19.6 20.2 27.62007 14.5 18.5 21.6 27.6
Three-year change (percent)1992 -9.6 -24.7 -12.4 -3.21995 30.9 45.1 19.9 17.41998 1.6 -6.2 18.3 13.02001 16.8 12.7 0.0 10.72004 -6.8 4.8 1.0 2.22007 6.6 -5.6 6.9 0.0
65
70
75
80
85
90
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with owned vehicles
Percent of families with owned vehiclesRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 89.2 67.61992 90.9 71.51995 88.2 69.71998 87.4 67.82001 89.2 71.42004 90.3 76.12007 89.6 80.9
Three-year change (percentage points)1992 1.7 3.91995 -2.7 -1.81998 -0.8 -1.92001 1.8 3.62004 1.1 4.72007 -0.7 4.8
6
8
10
12
14
16
18
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 12.1 7.11992 10.6 7.11995 14.5 9.91998 15.1 10.22001 17.1 11.72004 17.3 10.72007 17.1 11.9
Three-year change (percent)1992 -12.4 0.01995 36.8 39.41998 4.1 3.02001 13.2 14.72004 1.2 -8.52007 -1.2 11.2
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 16.8 12.11992 15.2 10.61995 19.0 13.41998 20.6 14.32001 22.8 16.12004 23.9 16.52007 24.0 16.6
Three-year change (percent)1992 -9.5 -12.41995 25.0 26.41998 8.4 6.72001 10.7 12.62004 4.8 2.52007 0.4 0.6
50
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with owned vehicles
Percent of families with owned vehiclesCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 89.8 94.2 74.6 49.21992 91.2 95.4 78.7 62.91995 89.9 86.1 76.1 59.11998 87.6 89.5 73.4 58.32001 88.5 88.6 77.1 63.82004 89.7 91.2 79.0 66.92007 91.3 90.6 78.6 69.3
Three-year change (percentage points)1992 1.4 1.2 4.1 13.71995 -1.3 -9.3 -2.6 -3.81998 -2.3 3.4 -2.7 -0.82001 0.9 -0.9 3.7 5.52004 1.2 2.6 1.9 3.12007 1.6 -0.6 -0.4 2.4
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 12.1 16.8 7.7 3.81992 10.7 16.3 6.6 6.01995 14.6 17.1 10.0 8.41998 14.3 19.7 10.9 9.12001 16.1 22.5 11.8 12.02004 16.3 24.1 11.1 11.82007 17.0 22.1 11.4 6.9
Three-year change (percent)1992 -11.6 -3.0 -14.3 57.91995 36.4 4.9 51.5 40.01998 -2.1 15.2 9.0 8.32001 12.6 14.2 8.3 31.92004 1.2 7.1 -5.9 -1.72007 4.3 -8.3 2.7 -41.5
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 15.1 27.3 12.9 7.11992 14.0 23.2 11.5 10.11995 18.3 24.4 15.4 11.51998 18.4 29.6 17.7 11.42001 20.5 32.8 18.3 16.72004 21.3 34.4 18.0 15.92007 21.9 34.9 17.5 12.8
Three-year change (percent)1992 -7.3 -15.0 -10.9 42.31995 30.7 5.2 33.9 13.91998 0.5 21.3 14.9 -0.92001 11.4 10.8 3.4 46.52004 3.9 4.9 -1.6 -4.82007 2.8 1.5 -2.8 -19.5
70
75
80
85
90
95
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with owned vehicles
Percent of families with owned vehiclesCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 95.1 84.3 92.2 69.31992 94.8 89.2 92.0 75.01995 90.0 85.0 93.0 72.71998 88.8 82.5 91.5 70.82001 90.7 83.9 90.8 74.92004 92.0 85.1 92.1 77.22007 93.1 87.4 92.6 77.1
Three-year change (percentage points)1992 -0.3 4.9 -0.2 5.71995 -4.8 -4.2 1.0 -2.31998 -1.2 -2.5 -1.5 -1.92001 1.9 1.4 -0.7 4.12004 1.3 1.2 1.3 2.32007 1.1 2.3 0.5 -0.1
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 14.2 10.7 12.5 7.21992 13.7 10.0 10.4 6.51995 16.9 13.0 15.4 9.51998 17.3 13.0 14.3 10.42001 20.0 15.0 15.5 11.92004 21.2 14.0 16.0 11.12007 20.2 14.4 16.7 10.4
Three-year change (percent)1992 -3.5 -6.5 -16.8 -9.71995 23.4 30.0 48.1 46.21998 2.4 0.0 -7.1 9.52001 15.6 15.4 8.4 14.42004 6.0 -6.7 3.2 -6.72007 -4.7 2.9 4.4 -6.3
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 20.4 14.7 16.3 12.01992 19.6 13.1 14.0 11.21995 23.0 16.9 18.3 14.71998 24.3 17.5 18.5 16.82001 27.1 19.3 20.1 18.12004 28.4 19.7 20.6 17.72007 29.3 19.2 21.3 16.9
Three-year change (percent)1992 -3.9 -10.9 -14.1 -6.71995 17.3 29.0 30.7 31.21998 5.7 3.6 1.1 14.32001 11.5 10.3 8.6 7.72004 4.8 2.1 2.5 -2.22007 3.2 -2.5 3.4 -4.5
75
80
85
90
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with owned vehicles
Percent of families with owned vehiclesRegion
Year Northeast Midwest South WestLevel (percent)
1989 79.2 83.2 83.1 90.31992 76.9 89.8 87.9 87.61995 78.6 87.0 83.9 86.31998 74.7 84.2 86.7 82.32001 74.2 89.3 86.2 87.02004 80.4 89.4 84.9 90.62007 75.4 89.5 89.2 90.5
Three-year change (percentage points)1992 -2.3 6.6 4.8 -2.71995 1.7 -2.8 -4.0 -1.31998 -3.9 -2.8 2.8 -4.02001 -0.5 5.1 -0.5 4.72004 6.2 0.1 -1.3 3.62007 -5.0 0.1 4.3 -0.1
8
10
12
14
16
18
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 11.6 11.8 10.7 9.91992 10.1 10.8 9.2 9.71995 13.6 14.7 13.7 11.21998 13.4 14.4 15.0 12.02001 15.8 16.5 17.0 13.42004 17.2 15.3 15.1 15.62007 14.4 14.6 15.6 17.1
Three-year change (percent)1992 -12.9 -8.5 -14.0 -2.01995 34.7 36.1 48.9 15.51998 -1.5 -2.0 9.5 7.12001 17.9 14.6 13.3 11.72004 8.9 -7.3 -11.2 16.42007 -16.3 -4.6 3.3 9.6
14
16
18
20
22
24
26
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 17.0 16.8 14.9 15.11992 13.8 15.0 13.4 15.41995 17.9 18.9 18.3 16.51998 18.4 19.3 20.5 18.42001 21.2 21.2 22.8 19.52004 22.5 22.1 21.8 22.12007 21.2 19.9 21.8 25.0
Three-year change (percent)1992 -18.8 -10.7 -10.1 2.01995 29.7 26.0 36.6 7.11998 2.8 2.1 12.0 11.52001 15.2 9.8 11.2 6.02004 6.1 4.2 -4.4 13.32007 -5.8 -10.0 0.0 13.1
82
84
86
88
90
92
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with owned vehicles
Percent of families with owned vehiclesUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 83.1 86.81992 85.2 89.91995 83.7 86.61998 81.6 90.32001 84.5 86.92004 85.9 88.32007 86.2 90.9
Three-year change (percentage points)1992 2.1 3.11995 -1.5 -3.31998 -2.1 3.72001 2.9 -3.42004 1.4 1.42007 0.3 2.6
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 10.9 12.21992 10.2 8.31995 13.5 12.61998 13.7 14.42001 15.9 15.32004 15.8 14.32007 15.8 14.5
Three-year change (percent)1992 -6.4 -32.01995 32.4 51.81998 1.5 14.32001 16.1 6.22004 -0.6 -6.52007 0.0 1.4
12
14
16
18
20
22
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 15.6 16.61992 14.8 12.31995 18.2 16.91998 19.7 17.82001 21.7 19.52004 22.8 18.72007 22.4 20.1
Three-year change (percent)1992 -5.1 -25.91995 23.0 37.41998 8.2 5.32001 10.2 9.62004 5.1 -4.12007 -1.8 7.5
65
70
75
80
85
90
95
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with owned vehicles
Percent of families with owned vehiclesHousing status
Year Owner Renter or otherLevel (percent)
1989 92.9 67.61992 93.5 73.01995 90.9 71.61998 90.6 67.62001 92.2 69.32004 92.3 73.02007 93.8 72.3
Three-year change (percentage points)1992 0.6 5.41995 -2.6 -1.41998 -0.3 -4.02001 1.6 1.72004 0.1 3.72007 1.5 -0.7
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 13.6 6.21992 12.0 6.21995 16.1 8.61998 16.8 7.92001 18.9 8.92004 19.2 7.92007 18.4 8.6
Three-year change (percent)1992 -11.8 0.01995 34.2 38.71998 4.3 -8.12001 12.5 12.72004 1.6 -11.22007 -4.2 8.9
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 18.4 9.51992 16.6 9.11995 20.8 11.41998 22.6 10.92001 24.9 11.82004 25.8 11.52007 25.4 12.5
Three-year change (percent)1992 -9.8 -4.21995 25.3 25.31998 8.7 -4.42001 10.2 8.32004 3.6 -2.52007 -1.6 8.7
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with owned vehicles
Percent of families with owned vehiclesPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 58.5 87.2 94.7 95.1 93.81992 65.6 89.1 93.2 96.6 96.21995 65.3 87.8 91.0 92.1 92.41998 62.3 87.4 90.3 90.8 92.02001 64.8 86.7 94.2 93.0 94.12004 69.8 89.2 92.0 95.2 93.12007 69.5 91.2 93.4 94.5 93.6
Three-year change (percentage points)1992 7.1 1.9 -1.5 1.5 2.41995 -0.3 -1.3 -2.2 -4.5 -3.81998 -3.0 -0.4 -0.7 -1.3 -0.42001 2.5 -0.7 3.9 2.2 2.12004 5.0 2.5 -2.2 2.2 -1.02007 -0.3 2.0 1.4 -0.7 0.5
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of owned vehicles for families with holdings
Median value of owned vehicles for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 3.7 9.0 13.5 15.1 23.11992 4.2 8.2 11.9 13.8 21.81995 6.0 11.6 15.4 19.2 27.31998 6.3 10.9 16.0 19.7 29.72001 7.4 13.7 17.8 22.3 33.72004 6.2 13.0 19.1 24.8 33.62007 6.9 13.1 17.4 21.9 31.4
Three-year change (percent)1992 13.5 -8.9 -11.9 -8.6 -5.61995 42.9 41.5 29.4 39.1 25.21998 5.0 -6.0 3.9 2.6 8.82001 17.5 25.7 11.2 13.2 13.52004 -16.2 -5.1 7.3 11.2 -0.32007 11.3 0.8 -8.9 -11.7 -6.5
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of owned vehicles for families with holdings
Mean value of owned vehicles for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 6.5 11.2 15.9 18.6 36.61992 6.2 10.5 14.6 16.9 32.11995 8.6 14.0 18.3 22.5 36.71998 8.7 14.0 19.2 24.3 43.52001 9.7 16.2 21.4 26.8 45.72004 9.3 15.7 22.6 30.0 47.82007 10.4 16.1 21.4 26.8 52.1
Three-year change (percent)1992 -4.6 -6.2 -8.2 -9.1 -12.31995 38.7 33.3 25.3 33.1 14.31998 1.2 0.0 4.9 8.0 18.52001 11.5 15.7 11.5 10.3 5.12004 -4.1 -3.1 5.6 11.9 4.62007 11.8 2.5 -5.3 -10.7 9.0
11.5
12
12.5
13
13.5
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all families
Percent of families with otherresidential real estate
Percent of families with other residential real estateYear All families
Level (percent)1989 13.11992 12.71995 11.81998 12.82001 11.32004 12.52007 13.7
Three-year change (percentage points)1992 -0.41995 -0.91998 1.02001 -1.52004 1.22007 1.2
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 80.51992 72.41995 67.61998 82.82001 93.62004 109.82007 146.0
Three-year change (percent)1992 -10.11995 -6.61998 22.52001 13.02004 17.32007 33.0
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 147.21992 144.21995 143.51998 164.92001 217.92004 293.62007 335.6
Three-year change (percent)1992 -2.01995 -0.51998 14.92001 32.12004 34.72007 14.3
0
10
20
30
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Percent of families with otherresidential real estate
Percent of families with other residential real estatePercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 3.7 6.6 11.4 15.4 20.4 36.81992 2.9 6.9 11.9 13.7 20.0 35.81995 4.0 7.7 9.1 12.6 16.7 34.51998 1.9 6.8 11.8 17.0 17.7 35.52001 3.1 5.4 7.9 14.2 19.7 32.82004 3.6 6.9 10.0 14.0 19.4 37.22007 5.4 6.5 9.9 15.4 21.0 42.2
Three-year change (percentage points)1992 -0.8 0.3 0.5 -1.7 -0.4 -1.01995 1.1 0.8 -2.8 -1.1 -3.3 -1.31998 -2.1 -0.9 2.7 4.4 1.0 1.02001 1.2 -1.4 -3.9 -2.8 2.0 -2.72004 0.5 1.5 2.1 -0.2 -0.3 4.42007 1.8 -0.4 -0.1 1.4 1.6 5.0
0
100
200
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 21.7 40.2 72.4 64.4 96.6 152.91992 36.2 33.3 57.9 57.9 83.9 137.51995 40.6 35.5 56.3 67.6 86.5 135.21998 101.9 76.4 60.5 82.8 67.8 153.72001 29.2 87.7 58.5 81.9 73.1 233.92004 36.2 71.4 60.4 109.8 107.6 286.92007 60.0 57.5 100.0 120.0 175.0 324.0
Three-year change (percent)1992 66.8 -17.2 -20.0 -10.1 -13.1 -10.11995 12.2 6.6 -2.8 16.8 3.1 -1.71998 151.0 115.2 7.5 22.5 -21.6 13.72001 -71.3 14.8 -3.3 -1.1 7.8 52.22004 24.0 -18.6 3.2 34.1 47.2 22.72007 65.7 -19.5 65.6 9.3 62.6 12.9
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 44.9 56.9 115.6 85.8 168.8 259.21992 69.2 57.2 93.3 100.1 122.4 269.71995 76.3 58.8 93.3 116.9 139.3 244.81998 170.4 107.2 94.2 123.5 149.8 280.62001 43.6 115.5 120.9 121.2 151.1 454.32004 131.9 126.8 118.4 210.8 187.8 597.52007 139.1 112.3 152.9 225.0 254.3 661.4
Three-year change (percent)1992 54.1 0.5 -19.3 16.7 -27.5 4.11995 10.3 2.8 0.0 16.8 13.8 -9.21998 123.3 82.3 1.0 5.6 7.5 14.62001 -74.4 7.7 28.3 -1.9 0.9 61.92004 202.5 9.8 -2.1 73.9 24.3 31.52007 5.5 -11.4 29.1 6.7 35.4 10.7
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Percent of families with otherresidential real estate
Percent of families with other residential real estateAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 3.8 12.3 20.4 20.4 19.5 12.21992 4.6 11.8 15.9 21.9 17.8 11.31995 4.2 9.7 16.3 19.9 16.1 12.21998 3.5 12.2 16.2 20.4 18.4 13.62001 3.4 9.2 14.7 18.3 13.7 15.22004 5.1 9.4 16.3 19.5 19.9 9.72007 5.6 12.0 15.7 20.9 18.9 13.4
Three-year change (percentage points)1992 0.8 -0.5 -4.5 1.5 -1.7 -0.91995 -0.4 -2.1 0.4 -2.0 -1.7 0.91998 -0.7 2.5 -0.1 0.5 2.3 1.42001 -0.1 -3.0 -1.5 -2.1 -4.7 1.62004 1.7 0.2 1.6 1.2 6.2 -5.52007 0.5 2.6 -0.6 1.4 -1.0 3.7
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 50.7 80.5 100.6 80.5 56.3 80.51992 46.3 51.4 94.1 72.4 65.1 83.21995 46.0 63.5 81.1 74.4 77.1 36.51998 54.1 57.3 94.2 89.1 95.5 131.12001 87.7 87.7 76.0 93.6 169.6 93.62004 90.6 87.9 98.8 148.3 87.9 164.72007 85.0 150.0 150.0 157.0 150.0 100.0
Three-year change (percent)1992 -8.7 -36.1 -6.5 -10.1 15.6 3.41995 -0.6 23.5 -13.8 2.8 18.4 -56.11998 17.6 -9.8 16.2 19.8 23.9 259.22001 62.1 53.1 -19.3 5.1 77.6 -28.62004 3.3 0.2 30.0 58.4 -48.2 76.02007 -6.2 70.6 51.8 5.9 70.6 -39.3
100
150
200
250
300
350
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 93.8 112.7 170.2 186.0 149.8 110.61992 110.2 101.1 182.8 158.5 142.8 161.41995 86.6 111.7 155.4 168.4 163.4 138.71998 79.8 124.9 158.6 194.6 185.1 224.52001 184.8 137.0 197.6 231.8 412.3 176.82004 163.9 260.6 307.6 366.4 248.2 333.02007 161.1 315.0 338.0 386.1 379.0 325.7
Three-year change (percent)1992 17.5 -10.3 7.4 -14.8 -4.7 45.91995 -21.4 10.5 -15.0 6.2 14.4 -14.11998 -7.9 11.8 2.1 15.6 13.3 61.92001 131.6 9.7 24.6 19.1 122.7 -21.22004 -11.3 90.2 55.7 58.1 -39.8 88.32007 -1.7 20.9 9.9 5.4 52.7 -2.2
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Percent of families with otherresidential real estate
Percent of families with other residential real estateFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 6.3 6.2 11.5 13.3 22.31992 4.3 8.3 9.8 13.1 20.51995 5.8 5.6 8.9 13.1 18.21998 6.2 7.2 10.3 13.1 20.32001 6.4 5.6 9.8 13.0 15.22004 5.2 8.4 11.4 12.6 18.92007 7.3 6.2 12.1 15.5 19.4
Three-year change (percentage points)1992 -2.0 2.1 -1.7 -0.2 -1.81995 1.5 -2.7 -0.9 0.0 -2.31998 0.4 1.6 1.4 0.0 2.12001 0.2 -1.6 -0.5 -0.1 -5.12004 -1.2 2.8 1.6 -0.4 3.72007 2.1 -2.2 0.7 2.9 0.5
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 80.5 50.7 48.3 83.7 96.61992 65.1 36.2 72.4 73.8 72.41995 77.1 60.2 33.8 74.4 77.11998 60.5 114.6 89.1 63.7 109.52001 52.6 120.5 99.4 81.9 99.42004 22.0 90.6 93.4 101.6 137.32007 50.0 150.0 80.0 150.0 175.0
Three-year change (percent)1992 -19.1 -28.6 49.9 -11.8 -25.11995 18.4 66.3 -53.3 0.8 6.51998 -21.5 90.4 163.6 -14.4 42.02001 -13.1 5.1 11.6 28.6 -9.22004 -58.2 -24.8 -6.0 24.1 38.12007 127.3 65.6 -14.3 47.6 27.5
100
150
200
250
300
350
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 105.5 105.7 129.8 152.9 162.01992 118.7 87.9 138.5 143.3 164.21995 116.5 101.8 136.2 138.7 160.91998 84.0 135.3 178.4 147.5 193.12001 119.1 198.4 180.5 206.4 259.32004 107.3 182.5 216.9 348.6 327.42007 161.3 288.8 249.3 366.1 374.6
Three-year change (percent)1992 12.5 -16.8 6.7 -6.3 1.41995 -1.9 15.8 -1.7 -3.2 -2.01998 -27.9 32.9 31.0 6.3 20.02001 41.8 46.6 1.2 39.9 34.32004 -9.9 -8.0 20.2 68.9 26.32007 50.3 58.2 14.9 5.0 14.4
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Percent of families with otherresidential real estate
Percent of families with other residential real estateEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 8.7 12.6 11.0 18.81992 4.9 9.0 13.9 20.41995 7.4 10.9 9.9 16.51998 5.9 10.0 13.6 18.52001 5.4 7.6 10.9 17.92004 5.6 8.3 12.2 19.02007 5.8 10.0 13.2 20.6
Three-year change (percentage points)1992 -3.8 -3.6 2.9 1.61995 2.5 1.9 -4.0 -3.91998 -1.5 -0.9 3.7 2.02001 -0.5 -2.4 -2.7 -0.62004 0.2 0.7 1.3 1.12007 0.2 1.7 1.0 1.6
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 54.7 56.3 80.5 104.61992 57.9 57.9 72.4 72.41995 47.3 57.5 67.6 101.41998 59.6 68.8 82.8 109.52001 58.5 57.3 119.6 117.02004 94.5 76.9 87.9 159.32007 65.0 76.0 100.0 200.0
Three-year change (percent)1992 5.9 2.8 -10.1 -30.81995 -18.3 -0.7 -6.6 40.11998 26.0 19.7 22.5 8.02001 -1.8 -16.7 44.4 6.82004 61.5 34.2 -26.5 36.22007 -31.2 -1.2 13.8 25.5
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 90.6 105.3 177.4 192.91992 83.7 102.8 120.6 179.71995 84.4 102.7 131.1 191.81998 117.0 106.8 141.9 212.12001 92.9 171.9 197.1 260.82004 246.1 148.2 230.7 372.42007 246.3 193.9 275.4 429.4
Three-year change (percent)1992 -7.6 -2.4 -32.0 -6.81995 0.8 -0.1 8.7 6.71998 38.6 4.0 8.2 10.62001 -20.6 61.0 38.9 23.02004 164.9 -13.8 17.0 42.82007 0.1 30.8 19.4 15.3
6
8
10
12
14
16
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Percent of families with otherresidential real estate
Percent of families with other residential real estateRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 14.8 8.11992 14.5 6.91995 13.2 7.11998 14.0 9.12001 13.0 6.32004 14.0 8.92007 15.3 10.0
Three-year change (percentage points)1992 -0.3 -1.21995 -1.3 0.21998 0.8 2.02001 -1.0 -2.82004 1.0 2.62007 1.3 1.1
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 80.5 50.71992 72.4 57.91995 74.4 39.31998 89.1 70.02001 93.6 70.22004 115.3 87.92007 136.5 175.0
Three-year change (percent)1992 -10.1 14.21995 2.8 -32.11998 19.8 78.12001 5.1 0.32004 23.2 25.22007 18.4 99.1
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 152.3 119.71992 142.8 152.91995 149.8 102.71998 173.9 118.62001 229.7 143.22004 308.5 232.72007 350.0 282.4
Three-year change (percent)1992 -6.2 27.71995 4.9 -32.81998 16.1 15.52001 32.1 20.72004 34.3 62.52007 13.5 21.4
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Percent of families with otherresidential real estate
Percent of families with other residential real estateCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 11.6 22.2 14.8 5.01992 11.2 22.5 13.9 5.21995 10.3 21.3 13.1 5.01998 10.6 25.3 14.4 4.02001 10.0 19.5 12.0 4.92004 10.4 25.8 12.8 5.42007 11.9 26.5 14.6 3.8
Three-year change (percentage points)1992 -0.4 0.3 -0.9 0.21995 -0.9 -1.2 -0.8 -0.21998 0.3 4.0 1.3 -1.02001 -0.6 -5.8 -2.4 0.92004 0.4 6.3 0.8 0.52007 1.5 0.7 1.8 -1.6
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 80.5 128.8 62.8 48.31992 65.1 108.5 65.1 43.41995 63.5 108.2 60.8 57.51998 63.7 108.2 114.6 57.32001 81.9 175.4 99.4 128.72004 96.6 155.4 109.8 94.52007 120.0 293.0 100.0 130.5
Three-year change (percent)1992 -19.1 -15.8 3.7 -10.11995 -2.5 -0.3 -6.6 32.51998 0.3 0.0 88.5 -0.32001 28.6 62.1 -13.3 124.62004 17.9 -11.4 10.5 -26.62007 24.2 88.5 -8.9 38.1
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 130.3 231.9 125.7 97.41992 123.5 236.5 123.8 82.91995 120.3 246.8 118.4 126.61998 128.1 219.7 190.4 86.12001 148.6 336.8 266.2 306.42004 226.7 458.0 267.7 258.52007 275.1 541.0 301.7 265.5
Three-year change (percent)1992 -5.2 2.0 -1.5 -14.91995 -2.6 4.4 -4.4 52.71998 6.5 -11.0 60.8 -32.02001 16.0 53.3 39.8 255.92004 52.6 36.0 0.6 -15.62007 21.3 18.1 12.7 2.7
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Percent of families with otherresidential real estate
Percent of families with other residential real estateCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 20.5 10.3 9.7 12.81992 19.6 9.8 9.9 11.81995 18.7 8.7 9.8 11.41998 17.5 10.7 10.4 12.62001 18.7 6.7 7.9 10.82004 19.6 8.2 9.0 11.62007 20.7 10.2 9.6 12.9
Three-year change (percentage points)1992 -0.9 -0.5 0.2 -1.01995 -0.9 -1.1 -0.1 -0.41998 -1.2 2.0 0.6 1.22001 1.2 -4.0 -2.5 -1.82004 0.9 1.5 1.1 0.82007 1.1 2.0 0.6 1.3
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 107.1 69.2 64.4 56.31992 101.3 72.4 50.6 57.91995 101.4 67.6 54.1 60.81998 101.9 76.4 50.9 114.62001 117.0 87.7 46.8 99.42004 131.8 115.3 92.3 103.22007 200.0 125.0 90.0 100.0
Three-year change (percent)1992 -5.4 4.6 -21.4 2.81995 0.1 -6.6 6.9 5.01998 0.5 13.0 -5.9 88.52001 14.8 14.8 -8.1 -13.32004 12.6 31.5 97.2 3.82007 51.7 8.4 -2.5 -3.1
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 200.1 125.9 109.8 123.41992 190.9 142.8 94.0 119.61995 190.9 151.4 99.8 119.11998 201.3 160.3 82.5 184.72001 234.5 180.1 115.4 269.22004 375.6 258.2 136.8 267.02007 437.5 266.5 191.6 300.0
Three-year change (percent)1992 -4.6 13.4 -14.4 -3.11995 0.0 6.0 6.2 -0.41998 5.4 5.9 -17.3 55.12001 16.5 12.4 39.9 45.72004 60.2 43.4 18.5 -0.82007 16.5 3.2 40.1 12.4
10
12
14
16
18
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Percent of families with otherresidential real estate
Percent of families with other residential real estateRegion
Year Northeast Midwest South WestLevel (percent)
1989 11.7 14.6 12.6 13.81992 10.8 13.0 11.1 16.61995 12.9 11.3 11.6 11.51998 12.5 12.2 12.8 13.82001 12.3 10.0 12.1 10.72004 12.6 12.6 10.2 16.32007 13.3 13.7 11.3 18.3
Three-year change (percentage points)1992 -0.9 -1.6 -1.5 2.81995 2.1 -1.7 0.5 -5.11998 -0.4 0.9 1.2 2.32001 -0.2 -2.2 -0.7 -3.12004 0.3 2.6 -1.9 5.62007 0.7 1.1 1.1 2.0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 100.6 67.6 64.4 104.61992 72.4 57.9 65.1 101.31995 78.4 60.8 67.6 81.11998 63.7 70.0 82.8 141.32001 87.7 99.4 70.2 133.32004 115.3 109.8 98.8 120.82007 190.0 110.0 120.0 210.0
Three-year change (percent)1992 -28.0 -14.3 1.1 -3.21995 8.3 5.0 3.8 -19.91998 -18.8 15.1 22.5 74.22001 37.7 42.0 -15.2 -5.72004 31.5 10.5 40.7 -9.42007 64.8 0.2 21.5 73.8
100
150
200
250
300
350
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 171.8 127.0 104.6 217.01992 175.8 114.4 115.9 183.01995 159.8 107.4 127.4 193.51998 167.1 136.7 138.1 232.42001 226.9 228.9 186.9 256.22004 346.7 246.8 253.9 337.12007 409.2 239.2 313.5 388.4
Three-year change (percent)1992 2.3 -9.9 10.8 -15.71995 -9.1 -6.1 9.9 5.71998 4.6 27.3 8.4 20.12001 35.8 67.4 35.3 10.22004 52.8 7.8 35.8 31.62007 18.0 -3.1 23.5 15.2
8
10
12
14
16
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Percent of families with otherresidential real estate
Percent of families with other residential real estateUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 12.6 15.51992 13.3 9.91995 12.2 9.61998 13.1 11.22001 11.4 11.02004 13.3 8.72007 14.2 11.7
Three-year change (percentage points)1992 0.7 -5.61995 -1.1 -0.31998 0.9 1.62001 -1.7 -0.22004 1.9 -2.32007 0.9 3.0
40
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 83.7 51.51992 73.8 50.61995 74.4 47.31998 91.7 41.42001 99.4 58.52004 120.8 74.12007 150.0 80.0
Three-year change (percent)1992 -11.8 -1.71995 0.8 -6.51998 23.3 -12.52001 8.4 41.32004 21.5 26.72007 24.2 8.0
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 168.2 74.91992 154.7 82.71995 152.6 76.11998 176.3 87.42001 236.6 96.92004 316.7 123.42007 364.1 167.8
Three-year change (percent)1992 -8.0 10.41995 -1.4 -8.01998 15.5 14.82001 34.2 10.92004 33.9 27.32007 15.0 36.0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Percent of families with otherresidential real estate
Percent of families with other residential real estateHousing status
Year Owner Renter or otherLevel (percent)
1989 17.4 5.71992 16.6 5.71995 15.1 5.71998 16.8 5.12001 14.9 3.92004 15.7 5.42007 17.5 5.6
Three-year change (percentage points)1992 -0.8 0.01995 -1.5 0.01998 1.7 -0.62001 -1.9 -1.22004 0.8 1.52007 1.8 0.2
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 80.5 62.81992 69.8 72.41995 70.3 50.71998 82.8 82.22001 93.6 70.22004 109.8 87.92007 150.0 85.0
Three-year change (percent)1992 -13.3 15.31995 0.7 -30.01998 17.8 62.12001 13.0 -14.62004 17.3 25.22007 36.6 -3.3
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 153.7 112.01992 145.1 139.51995 147.2 125.21998 170.8 127.12001 224.2 166.22004 311.6 176.02007 350.0 236.3
Three-year change (percent)1992 -5.6 24.61995 1.4 -10.31998 16.0 1.52001 31.3 30.82004 39.0 5.92007 12.3 34.3
0
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Percent of families with otherresidential real estate
Percent of families with other residential real estatePercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 1.2 5.3 12.5 26.0 44.71992 1.0 5.5 11.7 23.4 45.81995 0.9 5.4 11.1 21.2 42.61998 1.3 5.9 11.8 26.2 41.72001 0.9 4.5 12.8 19.5 38.82004 0.4 5.0 12.6 23.1 45.62007 1.2 7.1 11.9 26.4 47.5
Three-year change (percentage points)1992 -0.2 0.2 -0.8 -2.6 1.11995 -0.1 -0.1 -0.6 -2.2 -3.21998 0.4 0.5 0.7 5.0 -0.92001 -0.4 -1.4 1.0 -6.7 -2.92004 -0.5 0.5 -0.2 3.6 6.82007 0.8 2.1 -0.7 3.3 1.9
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Median value of other residential realestate for families with holdings
Median value of other residential real estate for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 48.3 20.1 40.2 87.5 209.31992 23.2 18.8 50.6 72.4 153.41995 23.0 37.9 41.2 67.6 169.01998 50.9 47.7 44.6 101.9 192.92001 17.5 28.1 51.5 99.4 248.52004 3.8 28.6 65.9 112.9 356.92007 12.0 30.0 60.0 146.0 400.0
Three-year change (percent)1992 -52.0 -6.5 25.9 -17.3 -26.71995 -0.9 101.6 -18.6 -6.6 10.21998 121.3 25.9 8.3 50.7 14.12001 -65.6 -41.1 15.5 -2.5 28.82004 -78.3 1.8 28.0 13.6 43.62007 215.8 4.9 -9.0 29.3 12.1
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Mean value of other residential realestate for families with holdings
Mean value of other residential real estate for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 48.0 27.3 53.4 104.4 292.41992 35.4 38.3 58.6 91.9 276.91995 35.0 41.8 52.6 86.8 282.81998 52.7 51.6 58.7 124.2 326.52001 34.1 34.1 81.6 137.1 454.62004 14.6 43.7 83.3 160.9 614.32007 16.6 55.8 130.0 176.3 720.8
Three-year change (percent)1992 -26.2 40.3 9.7 -12.0 -5.31995 -1.1 9.1 -10.2 -5.5 2.11998 50.6 23.4 11.6 43.1 15.52001 -35.3 -33.9 39.0 10.4 39.22004 -57.2 28.2 2.1 17.4 35.12007 13.7 27.7 56.1 9.6 17.3
8
8.5
9
9.5
10
10.5
11
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all families
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estateYear All families
Level (percent)1989 11.11992 9.51995 9.21998 8.52001 8.22004 8.32007 8.1
Three-year change (percentage points)1992 -1.61995 -0.31998 -0.72001 -0.32004 0.12007 -0.2
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 32.21992 43.41995 43.31998 48.42001 57.92004 65.92007 75.0
Three-year change (percent)1992 34.81995 -0.21998 11.82001 19.62004 13.82007 13.8
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 236.01992 249.31995 181.91998 225.52001 304.32004 327.42007 309.4
Three-year change (percent)1992 5.61995 -27.01998 24.02001 34.92004 7.62007 -5.5
0
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estatePercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 2.3 7.9 9.8 13.2 17.1 27.71992 3.1 6.6 7.5 10.8 13.3 25.61995 3.7 5.6 7.3 11.0 15.5 22.01998 2.1 6.1 7.7 9.4 14.0 21.02001 2.8 6.7 6.7 7.0 12.1 23.92004 2.7 3.8 7.6 10.5 12.9 20.82007 2.5 3.9 7.4 9.4 13.6 21.0
Three-year change (percentage points)1992 0.8 -1.3 -2.3 -2.4 -3.8 -2.11995 0.6 -1.0 -0.2 0.2 2.2 -3.61998 -1.6 0.5 0.4 -1.6 -1.5 -1.02001 0.7 0.6 -1.0 -2.4 -1.9 2.92004 -0.1 -2.9 0.9 3.5 0.8 -3.12007 -0.2 0.1 -0.2 -1.1 0.7 0.2
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 16.1 19.3 24.1 16.1 40.2 152.91992 28.9 13.0 27.5 43.4 36.2 115.81995 16.0 20.5 27.0 47.3 23.0 109.51998 12.7 30.6 35.0 38.2 38.2 145.12001 38.0 35.1 35.1 58.5 53.8 171.02004 12.1 32.9 39.5 47.2 65.9 207.62007 65.0 60.0 40.0 71.0 72.0 175.0
Three-year change (percent)1992 79.5 -32.6 14.1 169.6 -10.0 -24.31995 -44.6 57.7 -1.8 9.0 -36.5 -5.41998 -20.6 49.3 29.6 -19.2 66.1 32.52001 199.2 14.7 0.3 53.1 40.8 17.82004 -68.2 -6.3 12.5 -19.3 22.5 21.42007 437.2 82.4 1.3 50.4 9.3 -15.7
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 64.5 46.3 56.4 101.8 167.8 669.91992 97.1 68.0 172.2 116.9 192.9 564.71995 99.6 67.2 72.6 110.4 109.6 462.51998 131.2 121.1 89.2 109.2 114.6 581.82001 73.8 98.2 102.4 195.6 179.9 713.72004 123.1 143.5 169.7 156.9 174.1 828.72007 167.6 198.5 102.1 153.5 200.4 740.6
Three-year change (percent)1992 50.5 46.9 205.3 14.8 15.0 -15.71995 2.6 -1.2 -57.8 -5.6 -43.2 -18.11998 31.7 80.2 22.9 -1.1 4.6 25.82001 -43.8 -18.9 14.8 79.1 57.0 22.72004 66.8 46.1 65.7 -19.8 -3.2 16.12007 36.1 38.3 -39.8 -2.2 15.1 -10.6
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estateAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 4.3 12.3 15.4 17.4 15.4 6.81992 4.2 7.2 13.6 18.7 11.5 6.91995 3.6 7.0 14.3 13.4 15.7 6.11998 2.7 7.5 12.1 10.4 15.1 8.12001 2.8 7.4 10.0 12.3 12.9 8.32004 3.3 6.4 11.4 12.8 10.6 7.72007 3.2 7.5 9.5 11.5 12.3 6.8
Three-year change (percentage points)1992 -0.1 -5.1 -1.8 1.3 -3.9 0.11995 -0.6 -0.2 0.7 -5.3 4.2 -0.81998 -0.9 0.5 -2.2 -3.0 -0.6 2.02001 0.1 -0.1 -2.1 1.9 -2.2 0.22004 0.5 -1.0 1.4 0.5 -2.3 -0.62007 -0.1 1.1 -1.9 -1.3 1.7 -0.9
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 24.1 25.8 56.3 51.5 24.1 64.41992 36.8 43.4 36.2 50.6 60.1 26.81995 16.2 27.0 27.0 86.2 58.1 8.11998 31.8 25.5 59.8 68.8 57.3 68.82001 38.9 46.2 66.3 91.8 58.5 32.72004 60.4 46.3 47.2 82.4 85.7 94.32007 50.0 50.0 80.0 90.0 75.0 110.0
Three-year change (percent)1992 52.7 68.2 -35.7 -1.7 149.4 -58.41995 -56.0 -37.8 -25.4 70.4 -3.3 -69.81998 96.3 -5.6 121.5 -20.2 -1.4 749.42001 22.3 81.2 10.9 33.4 2.1 -52.52004 55.3 0.2 -28.8 -10.2 46.5 188.42007 -17.2 8.0 69.5 9.2 -12.5 16.6
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 84.9 96.8 323.1 346.6 216.5 426.11992 83.1 130.3 307.2 236.3 408.9 321.91995 48.6 89.3 138.4 298.7 263.2 234.51998 103.5 103.4 216.0 405.0 270.7 221.62001 73.3 160.7 219.4 418.3 601.5 263.02004 146.8 303.8 236.3 384.5 561.7 334.42007 138.3 129.1 269.3 423.3 390.9 501.5
Three-year change (percent)1992 -2.1 34.6 -4.9 -31.8 88.9 -24.51995 -41.5 -31.5 -54.9 26.4 -35.6 -27.21998 113.0 15.8 56.1 35.6 2.8 -5.52001 -29.2 55.4 1.6 3.3 122.2 18.72004 100.3 89.0 7.7 -8.1 -6.6 27.12007 -5.8 -57.5 14.0 10.1 -30.4 50.0
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estateFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 5.1 6.0 7.4 12.7 17.81992 2.7 6.4 8.4 9.9 14.81995 4.4 5.1 7.3 9.7 14.41998 4.0 4.9 5.2 8.2 15.12001 3.5 2.9 8.3 9.2 11.72004 4.0 4.3 6.9 8.9 12.72007 4.3 3.2 7.1 9.8 10.9
Three-year change (percentage points)1992 -2.4 0.4 1.0 -2.8 -3.01995 1.7 -1.3 -1.1 -0.2 -0.41998 -0.4 -0.2 -2.1 -1.5 0.72001 -0.5 -2.0 3.1 1.0 -3.42004 0.5 1.4 -1.4 -0.3 1.02007 0.3 -1.1 0.2 0.9 -1.8
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 25.8 22.5 29.0 38.6 43.51992 31.3 23.2 55.0 49.2 36.21995 20.5 21.6 74.4 39.5 47.31998 19.1 20.4 57.3 48.4 53.52001 55.6 117.0 46.8 53.6 60.22004 22.0 39.5 90.1 65.9 76.92007 43.0 50.0 75.0 65.0 100.0
Three-year change (percent)1992 21.3 3.1 89.7 27.5 -16.81995 -34.5 -6.9 35.3 -19.7 30.71998 -6.8 -5.6 -23.0 22.5 13.12001 191.1 473.5 -18.3 10.7 12.52004 -60.4 -66.2 92.5 22.9 27.72007 95.5 26.6 -16.8 -1.4 30.0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 285.9 76.2 201.8 223.8 291.41992 113.4 113.4 281.5 227.1 308.01995 112.3 96.2 260.5 148.8 215.61998 150.0 78.8 351.5 205.5 255.22001 173.9 178.3 236.5 289.1 370.32004 331.8 189.1 367.4 314.8 352.52007 144.3 133.1 301.8 255.1 426.1
Three-year change (percent)1992 -60.3 48.8 39.5 1.5 5.71995 -1.0 -15.2 -7.5 -34.5 -30.01998 33.6 -18.1 34.9 38.1 18.42001 15.9 126.3 -32.7 40.7 45.12004 90.8 6.1 55.3 8.9 -4.82007 -56.5 -29.6 -17.9 -19.0 20.9
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estateEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 7.3 8.4 12.1 17.11992 5.0 9.3 8.4 13.21995 6.8 8.0 8.8 12.21998 4.8 8.5 8.4 10.62001 5.8 7.1 6.9 11.22004 4.0 6.1 8.1 11.92007 2.6 7.3 6.5 11.8
Three-year change (percentage points)1992 -2.3 0.9 -3.7 -3.91995 1.8 -1.3 0.4 -1.01998 -2.0 0.5 -0.4 -1.62001 1.0 -1.4 -1.5 0.62004 -1.8 -1.0 1.2 0.72007 -1.4 1.2 -1.6 -0.1
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 16.1 22.5 40.2 72.41992 11.6 43.4 30.7 57.91995 10.5 20.3 47.3 67.61998 57.3 31.8 63.7 63.72001 35.1 38.9 58.5 81.72004 17.6 27.5 101.0 87.92007 125.0 50.0 52.8 90.0
Three-year change (percent)1992 -28.0 92.9 -23.6 -20.01995 -9.5 -53.2 54.1 16.81998 445.7 56.7 34.7 -5.82001 -38.7 22.3 -8.2 28.32004 -49.9 -29.3 72.6 7.62007 610.2 81.8 -47.7 2.4
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 177.1 106.8 196.6 347.11992 162.0 153.4 253.8 332.81995 124.8 111.6 183.9 248.01998 132.2 115.6 197.2 342.82001 163.3 158.6 299.9 426.02004 241.7 220.4 276.1 401.82007 377.9 178.0 268.7 390.1
Three-year change (percent)1992 -8.5 43.6 29.1 -4.11995 -23.0 -27.2 -27.5 -25.51998 5.9 3.6 7.2 38.22001 23.5 37.2 52.1 24.32004 48.0 39.0 -7.9 -5.72007 56.4 -19.2 -2.7 -2.9
4
6
8
10
12
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estateRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 12.6 6.71992 10.8 5.61995 10.3 5.71998 9.3 6.12001 9.6 3.92004 9.2 5.82007 9.0 5.9
Three-year change (percentage points)1992 -1.8 -1.11995 -0.5 0.11998 -1.0 0.42001 0.3 -2.22004 -0.4 1.92007 -0.2 0.1
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 35.4 30.21992 45.7 43.41995 45.3 27.01998 54.7 30.62001 58.5 35.12004 72.5 32.92007 75.0 62.7
Three-year change (percent)1992 29.1 43.71995 -0.9 -37.81998 20.8 13.32001 6.9 14.72004 23.9 -6.32007 3.4 90.6
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 249.6 159.91992 249.9 245.71995 194.1 105.31998 230.8 198.42001 314.5 226.82004 366.0 168.62007 314.9 289.1
Three-year change (percent)1992 0.1 53.71995 -22.3 -57.11998 18.9 88.42001 36.3 14.32004 16.4 -25.72007 -14.0 71.5
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estateCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 9.4 26.5 10.5 2.11992 8.4 20.2 9.3 3.01995 8.0 21.9 8.3 3.61998 6.6 17.6 10.1 3.62001 6.7 17.9 8.2 3.82004 6.8 18.7 7.9 2.72007 7.0 17.3 7.7 4.7
Three-year change (percentage points)1992 -1.0 -6.3 -1.2 0.91995 -0.4 1.7 -1.0 0.61998 -1.4 -4.3 1.8 0.02001 0.1 0.3 -1.9 0.22004 0.1 0.8 -0.3 -1.12007 0.2 -1.4 -0.2 2.0
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 28.2 90.2 27.4 22.51992 30.7 86.8 28.9 72.41995 23.0 71.1 47.3 67.61998 30.6 106.9 63.7 133.72001 46.2 119.8 67.8 38.62004 43.9 137.3 65.9 61.52007 52.8 152.5 75.0 48.8
Three-year change (percent)1992 8.9 -3.8 5.5 221.81995 -25.1 -18.1 63.7 -6.61998 33.0 50.4 34.7 97.82001 51.0 12.1 6.4 -71.12004 -5.0 14.6 -2.8 59.32007 20.3 11.1 13.8 -20.8
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 111.6 506.6 198.4 26.01992 153.5 448.9 234.0 406.51995 91.3 368.5 193.4 88.81998 116.3 480.6 201.6 122.42001 132.6 515.7 449.4 224.12004 188.2 635.7 277.7 157.22007 216.9 513.0 339.1 129.5
Three-year change (percent)1992 37.5 -11.4 17.9 1463.51995 -40.5 -17.9 -17.4 -78.21998 27.4 30.4 4.2 37.82001 14.0 7.3 122.9 83.12004 41.9 23.3 -38.2 -29.92007 15.2 -19.3 22.1 -17.6
6
8
10
12
14
16
18
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estateCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 17.3 8.7 11.0 8.71992 13.9 8.6 8.7 7.81995 15.3 7.2 8.7 7.41998 10.6 6.0 8.1 9.12001 12.0 6.2 6.7 7.52004 11.3 6.9 7.4 7.12007 10.8 7.3 6.7 7.2
Three-year change (percentage points)1992 -3.4 -0.1 -2.3 -0.91995 1.4 -1.4 0.0 -0.41998 -4.7 -1.2 -0.6 1.72001 1.4 0.2 -1.4 -1.62004 -0.7 0.7 0.7 -0.42007 -0.5 0.4 -0.7 0.1
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 48.3 27.4 32.2 24.11992 57.9 28.9 28.9 43.41995 59.1 27.0 20.3 54.11998 63.7 47.7 31.8 63.72001 64.0 58.5 35.1 67.82004 98.6 65.9 24.2 65.92007 105.0 85.0 37.0 75.0
Three-year change (percent)1992 19.9 5.5 -10.2 80.11995 2.1 -6.6 -29.8 24.71998 7.8 76.7 56.7 17.72001 0.5 22.6 10.4 6.42004 54.1 12.6 -31.1 -2.82007 6.5 29.0 52.9 13.8
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 366.2 261.1 83.2 189.91992 353.4 215.6 104.4 249.81995 253.2 184.5 77.7 182.91998 387.3 226.8 63.4 194.72001 363.1 203.8 96.5 430.62004 485.2 287.5 120.8 270.62007 451.6 216.0 105.5 317.9
Three-year change (percent)1992 -3.5 -17.4 25.5 31.51995 -28.4 -14.4 -25.6 -26.81998 53.0 22.9 -18.4 6.52001 -6.2 -10.1 52.2 121.22004 33.6 41.1 25.2 -37.22007 -6.9 -24.9 -12.7 17.5
4
6
8
10
12
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estateRegion
Year Northeast Midwest South WestLevel (percent)
1989 8.2 11.0 13.3 10.61992 8.1 8.2 10.5 10.61995 6.7 8.5 11.4 8.91998 6.0 8.3 9.9 8.92001 4.8 8.6 10.0 7.92004 6.0 8.2 8.8 9.62007 5.6 8.4 8.8 8.7
Three-year change (percentage points)1992 -0.1 -2.8 -2.8 0.01995 -1.4 0.3 0.9 -1.71998 -0.7 -0.2 -1.5 0.02001 -1.2 0.3 0.1 -1.02004 1.2 -0.4 -1.2 1.72007 -0.4 0.2 0.0 -0.9
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 80.5 21.5 30.2 52.31992 57.9 57.9 23.2 57.91995 43.3 54.1 20.3 67.61998 59.8 63.7 38.2 54.12001 58.5 40.9 58.5 67.82004 65.9 64.5 38.4 137.32007 112.0 52.8 71.5 90.0
Three-year change (percent)1992 -28.1 169.3 -23.2 10.71995 -25.2 -6.6 -12.5 16.81998 38.1 17.7 88.2 -20.02001 -2.2 -35.8 53.1 25.32004 12.6 57.7 -34.4 102.52007 70.0 -18.1 86.2 -34.5
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 231.7 164.7 148.1 514.51992 211.0 205.0 115.5 538.01995 177.4 157.6 140.5 299.01998 149.1 218.4 177.2 368.92001 362.1 185.8 290.3 439.92004 351.2 332.1 196.6 507.92007 337.3 137.8 291.0 496.6
Three-year change (percent)1992 -8.9 24.5 -22.0 4.61995 -15.9 -23.1 21.6 -44.41998 -16.0 38.6 26.1 23.42001 142.9 -14.9 63.8 19.22004 -3.0 78.7 -32.3 15.52007 -4.0 -58.5 48.0 -2.2
8
10
12
14
16
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estateUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 10.2 15.01992 9.7 8.61995 9.1 10.11998 8.2 10.32001 7.8 11.02004 8.0 9.82007 7.6 10.7
Three-year change (percentage points)1992 -0.5 -6.41995 -0.6 1.51998 -0.9 0.22001 -0.4 0.72004 0.2 -1.22007 -0.4 0.9
20
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 35.4 26.81992 47.5 23.21995 54.1 16.01998 47.7 63.72001 58.5 38.62004 76.9 27.52007 82.5 50.0
Three-year change (percent)1992 34.2 -13.41995 13.9 -31.01998 -11.8 298.12001 22.6 -39.42004 31.5 -28.82007 7.3 81.8
100
150
200
250
300
350
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 282.4 101.11992 280.5 93.71995 199.3 90.21998 255.9 84.32001 340.3 146.22004 376.5 132.82007 368.4 107.5
Three-year change (percent)1992 -0.7 -7.31995 -28.9 -3.71998 28.4 -6.52001 33.0 73.42004 10.6 -9.22007 -2.2 -19.1
2
4
6
8
10
12
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estateHousing status
Year Owner Renter or otherLevel (percent)
1989 14.7 4.81992 12.1 4.81995 12.0 4.21998 11.2 3.32001 10.9 2.52004 11.0 2.42007 10.8 2.1
Three-year change (percentage points)1992 -2.6 0.01995 -0.1 -0.61998 -0.8 -0.92001 -0.3 -0.82004 0.1 -0.12007 -0.2 -0.3
20
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 35.4 30.21992 46.3 36.21995 47.3 16.21998 57.3 19.12001 58.5 38.02004 68.1 61.52007 80.0 38.0
Three-year change (percent)1992 30.8 19.91995 2.2 -55.21998 21.1 17.92001 2.1 99.02004 16.4 61.82007 17.5 -38.2
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 263.0 89.41992 281.0 109.01995 202.6 74.61998 239.4 131.82001 328.1 89.92004 330.6 294.52007 318.7 205.2
Three-year change (percent)1992 6.8 21.91995 -27.9 -31.61998 18.2 76.72001 37.1 -31.82004 0.8 227.62007 -3.6 -30.3
0
10
20
30
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Percent of families with net equity innon−residential real estate
Percent of families with net equity in non-residential real estatePercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 0.9 5.2 13.5 16.7 37.11992 0.8 3.5 9.5 16.9 35.21995 0.8 4.7 8.5 15.7 33.91998 0.6 3.5 7.8 16.9 30.22001 0.1 3.6 7.8 15.6 29.92004 0.2 4.1 8.3 15.1 28.82007 0.4 3.7 7.6 16.5 27.2
Three-year change (percentage points)1992 -0.1 -1.7 -4.0 0.2 -1.91995 0.0 1.2 -1.0 -1.2 -1.31998 -0.2 -1.2 -0.7 1.2 -3.72001 -0.5 0.1 0.0 -1.3 -0.32004 0.1 0.5 0.5 -0.5 -1.12007 0.2 -0.4 -0.7 1.4 -1.6
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Median value of net equity in non−residentialreal estate for families with holdings
Median value of net equity in non-residential real estate for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 4.8 16.1 17.7 40.2 187.81992 4.3 13.0 27.5 43.4 179.21995 4.1 9.5 16.2 53.5 135.21998 3.2 12.7 29.3 57.3 152.82001 2.6 10.5 35.1 59.1 247.62004 2.7 16.3 26.9 81.1 274.62007 15.4 25.0 40.0 82.5 266.7
Three-year change (percent)1992 -10.4 -19.3 55.4 8.0 -4.61995 -4.7 -26.9 -41.1 23.3 -24.61998 -22.0 33.7 80.9 7.1 13.02001 -18.8 -17.3 19.8 3.1 62.02004 3.8 55.2 -23.4 37.2 10.92007 470.4 53.4 48.7 1.7 -2.9
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Mean value of net equity in non−residentialreal estate for families with holdings
Mean value of net equity in non-residential real estate for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 -46.2 17.7 20.7 80.9 629.81992 6.9 17.6 36.7 66.5 595.01995 -28.0 13.0 29.5 67.2 428.21998 1.0 16.7 37.7 85.2 536.92001 4.6 16.2 44.5 118.8 710.32004 4.0 18.7 44.7 154.3 782.12007 15.6 31.1 54.6 130.5 754.0
Three-year change (percent)1992 -114.9 -0.6 77.3 -17.8 -5.51995 -505.8 -26.1 -19.6 1.1 -28.01998 -103.6 28.5 27.8 26.8 25.42001 360.0 -3.0 18.0 39.4 32.32004 -13.0 15.4 0.4 29.9 10.12007 290.0 66.3 22.1 -15.4 -3.6
12.5
13
13.5
14
14.5P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with business equity
Percent of families with business equityYear All families
Level (percent)1989 13.31992 14.31995 12.81998 12.72001 13.52004 13.32007 13.6
Three-year change (percentage points)1992 1.01995 -1.51998 -0.12001 0.82004 -0.22007 0.3
40
50
60
70
80
90
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of business equity for families with holdings
Median value of business equity for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 80.51992 57.91995 40.61998 63.72001 81.92004 82.42007 92.2
Three-year change (percent)1992 -28.11995 -29.91998 56.92001 28.62004 0.62007 11.9
400
500
600
700
800
900
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of business equity for families with holdings
Mean value of business equity for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 476.41992 395.31995 452.31998 560.02001 660.32004 723.02007 946.3
Three-year change (percent)1992 -17.01995 14.41998 23.82001 17.92004 9.52007 30.9
0
10
20
30
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with business equity
Percent of families with business equityPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 2.9 9.1 10.5 14.3 22.0 37.31992 4.6 8.3 11.1 16.5 21.9 40.71995 5.0 7.3 10.6 15.5 19.1 31.91998 4.1 6.1 10.6 15.2 20.6 34.22001 2.6 8.6 10.1 14.1 22.9 41.82004 4.2 7.8 10.8 15.2 18.7 38.52007 3.3 5.3 10.6 18.1 20.0 40.9
Three-year change (percentage points)1992 1.7 -0.8 0.6 2.2 -0.1 3.41995 0.4 -1.0 -0.5 -1.0 -2.8 -8.81998 -0.9 -1.2 0.0 -0.3 1.5 2.32001 -1.5 2.5 -0.5 -1.1 2.3 7.62004 1.6 -0.8 0.7 1.1 -4.2 -3.32007 -0.9 -2.5 -0.2 2.9 1.3 2.4
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of business equity for families with holdings
Median value of business equity for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 17.7 19.3 56.3 56.3 84.5 241.51992 38.6 25.3 43.4 48.1 28.9 217.11995 60.8 35.1 27.0 20.3 47.3 135.21998 28.6 44.4 25.5 54.7 39.5 222.82001 60.5 29.2 58.4 58.5 58.5 263.22004 27.5 22.0 40.9 57.1 76.9 291.02007 50.0 19.5 30.8 55.1 72.1 379.5
Three-year change (percent)1992 118.1 31.1 -22.9 -14.6 -65.8 -10.11995 57.5 38.7 -37.8 -57.8 63.7 -37.71998 -53.0 26.5 -5.6 169.5 -16.5 64.82001 111.5 -34.2 129.0 6.9 48.1 18.12004 -54.5 -24.7 -30.0 -2.4 31.5 10.62007 81.8 -11.4 -24.7 -3.5 -6.2 30.4
0
500
1000
1500
2000
2500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of business equity for families with holdings
Mean value of business equity for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 146.4 133.5 266.7 203.0 251.6 1155.61992 129.0 99.7 182.0 171.4 218.7 968.61995 227.9 111.5 117.1 162.8 229.0 1316.91998 158.1 109.7 169.6 215.6 247.5 1551.52001 207.4 115.8 152.0 230.0 318.1 1664.32004 322.7 195.4 152.1 257.1 248.6 1944.42007 686.7 132.5 240.0 188.4 454.0 2475.7
Three-year change (percent)1992 -11.9 -25.3 -31.8 -15.6 -13.1 -16.21995 76.7 11.8 -35.7 -5.0 4.7 36.01998 -30.6 -1.6 44.8 32.4 8.1 17.82001 31.2 5.6 -10.4 6.7 28.5 7.32004 55.6 68.7 0.1 11.8 -21.8 16.82007 112.8 -32.2 57.8 -26.7 82.6 27.3
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with business equity
Percent of families with business equityAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 10.2 19.4 18.2 13.4 9.4 5.41992 10.6 19.5 18.1 18.9 10.4 4.61995 9.6 16.7 18.0 13.3 9.9 5.01998 7.8 15.5 19.2 16.2 10.6 3.02001 8.1 15.5 19.4 18.8 13.1 3.42004 8.5 15.4 18.2 17.8 10.3 6.52007 8.0 18.2 17.2 18.1 11.2 4.5
Three-year change (percentage points)1992 0.4 0.1 -0.1 5.5 1.0 -0.81995 -1.0 -2.8 -0.1 -5.6 -0.5 0.41998 -1.8 -1.2 1.2 2.9 0.7 -2.02001 0.3 0.0 0.2 2.6 2.5 0.42004 0.4 -0.1 -1.2 -1.0 -2.8 3.12007 -0.5 2.8 -1.0 0.3 0.9 -2.0
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of business equity for families with holdings
Median value of business equity for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 32.2 88.5 84.5 173.1 77.3 143.41992 27.9 43.4 101.3 100.7 85.0 86.81995 18.9 40.6 41.9 67.6 135.2 40.61998 38.2 71.3 63.7 71.3 63.7 50.92001 42.1 99.4 102.3 84.8 76.6 93.62004 26.4 94.9 87.6 157.1 54.9 54.92007 35.0 59.0 76.8 100.0 300.0 225.0
Three-year change (percent)1992 -13.4 -51.0 19.9 -41.8 10.0 -39.51995 -32.3 -6.5 -58.6 -32.9 59.1 -53.21998 102.1 75.6 52.0 5.5 -52.9 25.42001 10.2 39.4 60.6 18.9 20.3 83.92004 -37.3 -4.5 -14.4 85.3 -28.3 -41.32007 32.6 -37.8 -12.3 -36.3 446.4 309.8
0
500
1000
1500
2000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of business equity for families with holdings
Mean value of business equity for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 195.2 325.4 529.3 716.3 988.5 975.21992 140.0 292.9 493.5 581.4 697.9 404.11995 102.9 306.3 530.8 894.0 746.9 552.41998 264.8 377.7 612.7 875.8 719.6 1041.12001 311.7 508.4 653.6 929.9 915.8 1146.42004 203.5 537.4 815.8 1030.3 1003.4 841.32007 459.8 459.0 972.0 1240.1 1834.4 2105.4
Three-year change (percent)1992 -28.3 -10.0 -6.8 -18.8 -29.4 -58.61995 -26.5 4.6 7.6 53.8 7.0 36.71998 157.3 23.3 15.4 -2.0 -3.7 88.52001 17.7 34.6 6.7 6.2 27.3 10.12004 -34.7 5.7 24.8 10.8 9.6 -26.62007 125.9 -14.6 19.1 20.4 82.8 150.3
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with business equity
Percent of families with business equityFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 5.4 10.4 5.1 18.2 16.91992 5.1 12.0 4.4 20.6 18.01995 5.0 10.9 5.3 17.8 15.31998 3.1 7.7 3.9 19.4 16.12001 5.8 6.8 3.9 19.7 17.82004 5.8 9.1 5.3 18.5 17.52007 7.5 8.8 3.6 18.5 18.4
Three-year change (percentage points)1992 -0.3 1.6 -0.7 2.4 1.11995 -0.1 -1.1 0.9 -2.8 -2.71998 -1.9 -3.2 -1.4 1.6 0.82001 2.7 -0.9 0.0 0.3 1.72004 0.0 2.3 1.4 -1.2 -0.32007 1.7 -0.3 -1.7 0.0 0.9
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of business equity for families with holdings
Median value of business equity for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 43.9 24.1 81.3 80.5 97.91992 25.3 21.7 72.4 72.4 72.41995 13.5 24.3 47.3 40.6 60.81998 50.9 35.0 76.4 71.3 63.72001 60.5 60.5 3.5 117.0 70.22004 27.5 54.9 115.3 89.6 87.92007 50.0 32.5 250.0 90.0 100.0
Three-year change (percent)1992 -42.4 -10.0 -10.9 -10.1 -26.01995 -46.6 12.0 -34.7 -43.9 -16.01998 277.0 44.0 61.5 75.6 4.82001 18.9 72.9 -95.4 64.1 10.22004 -54.5 -9.3 3194.3 -23.4 25.22007 81.8 -40.8 116.8 0.4 13.8
0
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of business equity for families with holdings
Mean value of business equity for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 249.3 332.5 204.9 435.2 706.41992 102.5 146.1 491.6 400.4 520.61995 214.3 177.3 444.3 373.6 715.01998 572.7 275.6 877.1 515.5 672.12001 206.4 538.9 691.2 654.8 745.72004 455.3 409.9 524.0 729.4 884.02007 276.3 592.8 952.1 884.7 1229.1
Three-year change (percent)1992 -58.9 -56.1 139.9 -8.0 -26.31995 109.1 21.4 -9.6 -6.7 37.31998 167.2 55.4 97.4 38.0 -6.02001 -64.0 95.5 -21.2 27.0 11.02004 120.6 -23.9 -24.2 11.4 18.52007 -39.3 44.6 81.7 21.3 39.0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with business equity
Percent of families with business equityEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 7.7 11.5 14.2 19.81992 5.1 11.2 14.1 23.31995 6.0 10.3 13.3 19.11998 5.5 8.9 14.7 18.82001 5.7 9.5 12.0 21.82004 5.0 11.5 12.5 18.52007 5.9 9.5 12.7 20.7
Three-year change (percentage points)1992 -2.6 -0.3 -0.1 3.51995 0.9 -0.9 -0.8 -4.21998 -0.5 -1.4 1.4 -0.32001 0.2 0.6 -2.7 3.02004 -0.7 2.0 0.5 -3.32007 0.9 -2.0 0.2 2.2
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of business equity for families with holdings
Median value of business equity for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 40.2 64.4 72.4 133.51992 86.8 47.8 43.4 65.11995 108.2 54.1 36.8 24.31998 38.2 76.4 50.9 63.72001 35.1 66.7 58.5 111.12004 28.1 54.9 76.9 109.82007 59.0 90.0 45.0 100.0
Three-year change (percent)1992 115.9 -25.8 -40.1 -51.21995 24.7 13.2 -15.2 -62.71998 -64.7 41.2 38.3 162.12001 -8.1 -12.7 14.9 74.42004 -19.9 -17.7 31.5 -1.22007 110.0 63.9 -41.5 -8.9
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of business equity for families with holdings
Mean value of business equity for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 296.0 309.8 455.3 658.41992 337.7 236.3 442.6 459.91995 299.8 322.2 409.7 571.71998 182.5 393.1 407.0 757.32001 286.5 349.4 501.7 880.22004 304.1 259.3 473.8 1094.42007 217.5 510.0 731.4 1280.0
Three-year change (percent)1992 14.1 -23.7 -2.8 -30.11995 -11.2 36.4 -7.4 24.31998 -39.1 22.0 -0.7 32.52001 57.0 -11.1 23.3 16.22004 6.1 -25.8 -5.6 24.32007 -28.5 96.7 54.4 17.0
6
8
10
12
14
16
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with business equity
Percent of families with business equityRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 15.5 6.81992 16.4 8.21995 14.7 6.11998 14.6 6.42001 16.1 5.82004 15.7 7.22007 15.8 8.2
Three-year change (percentage points)1992 0.9 1.41995 -1.7 -2.11998 -0.1 0.32001 1.5 -0.62004 -0.4 1.42007 0.1 1.0
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of business equity for families with holdings
Median value of business equity for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 88.5 4.21992 63.4 43.41995 47.3 11.81998 63.7 25.52001 87.7 58.52004 89.6 46.12007 100.0 50.0
Three-year change (percent)1992 -28.4 933.31995 -25.4 -72.81998 34.7 116.12001 37.7 129.42004 2.2 -21.22007 11.6 8.5
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of business equity for families with holdings
Mean value of business equity for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 510.2 249.11992 411.4 296.91995 479.8 222.71998 606.5 211.62001 691.8 393.42004 782.7 383.02007 1011.2 645.1
Three-year change (percent)1992 -19.4 19.21995 16.6 -25.01998 26.4 -5.02001 14.1 85.92004 13.1 -2.62007 29.2 68.4
0
20
40
60
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with business equity
Percent of families with business equityCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 7.7 69.3 4.4 1.41992 8.6 75.7 4.4 2.31995 8.2 66.6 3.6 3.71998 6.3 68.7 3.9 5.12001 7.3 67.4 4.1 5.82004 7.2 64.1 4.5 7.52007 7.7 74.9 3.8 3.7
Three-year change (percentage points)1992 0.9 6.4 0.0 0.91995 -0.4 -9.1 -0.8 1.41998 -1.9 2.1 0.3 1.42001 1.0 -1.3 0.2 0.72004 -0.1 -3.3 0.4 1.72007 0.5 10.8 -0.7 -3.8
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of business equity for families with holdings
Median value of business equity for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 40.2 96.6 109.5 122.31992 21.7 86.8 86.8 23.61995 20.3 67.6 74.4 20.31998 25.5 101.9 48.8 4.52001 43.9 117.0 32.2 128.72004 24.2 158.2 32.7 27.52007 20.0 105.0 150.0 93.6
Three-year change (percent)1992 -46.0 -10.1 -20.7 -80.71995 -6.5 -22.1 -14.3 -14.01998 25.6 50.7 -34.4 -77.82001 72.2 14.8 -34.0 2760.02004 -44.9 35.2 1.6 -78.62007 -17.4 -33.6 358.7 240.4
0
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of business equity for families with holdings
Mean value of business equity for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 229.0 629.0 357.9 1009.21992 235.1 480.2 488.8 112.11995 166.8 634.0 674.3 104.91998 315.6 703.7 455.4 163.92001 299.9 870.5 694.7 369.32004 360.0 979.6 541.2 177.92007 436.7 1216.6 1270.6 488.8
Three-year change (percent)1992 2.7 -23.7 36.6 -88.91995 -29.1 32.0 38.0 -6.41998 89.2 11.0 -32.5 56.22001 -5.0 23.7 52.5 125.32004 20.0 12.5 -22.1 -51.82007 21.3 24.2 134.8 174.8
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with business equity
Percent of families with business equityCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 22.3 13.6 17.6 3.71992 28.2 16.2 14.7 3.91995 25.0 11.6 15.8 3.61998 22.9 10.6 14.7 4.12001 30.3 9.7 8.5 4.42004 24.6 11.3 11.5 4.92007 25.4 10.8 14.7 3.8
Three-year change (percentage points)1992 5.9 2.6 -2.9 0.21995 -3.2 -4.6 1.1 -0.31998 -2.1 -1.0 -1.1 0.52001 7.4 -0.9 -6.2 0.32004 -5.7 1.6 3.0 0.52007 0.8 -0.5 3.2 -1.1
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of business equity for families with holdings
Median value of business equity for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 104.6 43.9 64.4 109.51992 91.2 28.9 48.1 57.91995 40.6 47.3 40.6 40.61998 76.4 63.7 45.8 38.22001 117.0 46.8 70.2 64.92004 109.8 54.9 41.7 27.52007 113.4 25.0 59.0 150.0
Three-year change (percent)1992 -12.8 -34.2 -25.3 -47.11995 -55.5 63.7 -15.6 -29.91998 88.2 34.7 12.8 -5.92001 53.1 -26.5 53.3 69.92004 -6.2 17.3 -40.6 -57.62007 3.3 -54.5 41.5 445.5
200
400
600
800
1000
1200
1400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of business equity for families with holdings
Mean value of business equity for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 752.4 289.9 315.7 406.91992 580.4 240.6 189.2 435.91995 593.8 446.4 245.7 555.81998 830.4 532.8 228.3 389.62001 826.2 391.6 283.0 623.82004 1081.5 409.5 181.8 455.72007 1344.3 560.8 268.7 1150.1
Three-year change (percent)1992 -22.9 -17.0 -40.1 7.11995 2.3 85.5 29.9 27.51998 39.8 19.4 -7.1 -29.92001 -0.5 -26.5 24.0 60.12004 30.9 4.6 -35.8 -26.92007 24.3 36.9 47.8 152.4
8
10
12
14
16
18
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with business equity
Percent of families with business equityRegion
Year Northeast Midwest South WestLevel (percent)
1989 12.2 13.8 12.7 14.91992 13.7 14.7 12.1 18.31995 13.2 12.4 12.7 13.01998 12.2 12.3 12.6 13.62001 11.4 13.6 13.9 14.72004 13.6 14.1 11.7 15.12007 9.1 15.4 12.6 16.9
Three-year change (percentage points)1992 1.5 0.9 -0.6 3.41995 -0.5 -2.3 0.6 -5.31998 -1.0 -0.1 -0.1 0.62001 -0.8 1.3 1.3 1.12004 2.2 0.5 -2.2 0.42007 -4.5 1.3 0.9 1.8
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of business equity for families with holdings
Median value of business equity for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 44.1 120.7 64.4 96.61992 36.2 72.4 43.4 57.91995 33.1 52.7 47.3 32.11998 50.9 63.7 63.7 50.92001 58.5 105.3 91.2 58.52004 68.6 91.2 54.9 109.82007 100.0 100.0 60.0 95.0
Three-year change (percent)1992 -17.9 -40.0 -32.6 -40.11995 -8.6 -27.2 9.0 -44.61998 53.8 20.9 34.7 58.62001 14.9 65.3 43.2 14.92004 17.3 -13.4 -39.8 87.72007 45.8 9.6 9.3 -13.5
400
600
800
1000
1200
1400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of business equity for families with holdings
Mean value of business equity for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 383.9 601.0 373.5 562.01992 464.1 414.8 354.0 372.31995 498.1 504.5 395.2 444.91998 600.8 466.6 588.6 576.62001 691.3 515.0 698.5 721.32004 772.5 753.7 619.4 787.72007 1326.1 738.7 1004.5 900.7
Three-year change (percent)1992 20.9 -31.0 -5.2 -33.81995 7.3 21.6 11.6 19.51998 20.6 -7.5 48.9 29.62001 15.1 10.4 18.7 25.12004 11.7 46.3 -11.3 9.22007 71.7 -2.0 62.2 14.3
12
13
14
15
16
17
18
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with business equity
Percent of families with business equityUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 12.2 17.91992 14.5 13.71995 12.5 14.21998 12.5 13.52001 13.3 15.42004 13.7 11.72007 13.9 11.7
Three-year change (percentage points)1992 2.3 -4.21995 -2.0 0.51998 0.0 -0.72001 0.8 1.92004 0.4 -3.72007 0.2 0.0
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of business equity for families with holdings
Median value of business equity for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 64.4 112.71992 57.9 65.11995 40.6 67.61998 63.7 63.72001 81.9 76.62004 82.4 82.42007 93.6 90.0
Three-year change (percent)1992 -10.1 -42.21995 -29.9 3.81998 56.9 -5.82001 28.6 20.32004 0.6 7.62007 13.6 9.2
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of business equity for families with holdings
Mean value of business equity for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 524.2 337.11992 443.4 171.91995 476.3 329.31998 623.8 216.52001 738.3 242.22004 807.8 246.22007 1047.6 363.2
Three-year change (percent)1992 -15.4 -49.01995 7.4 91.61998 31.0 -34.32001 18.4 11.92004 9.4 1.72007 29.7 47.5
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with business equity
Percent of families with business equityHousing status
Year Owner Renter or otherLevel (percent)
1989 16.7 7.21992 18.2 7.51995 15.8 7.31998 15.9 6.32001 17.5 5.22004 17.0 5.12007 17.5 5.0
Three-year change (percentage points)1992 1.5 0.31995 -2.4 -0.21998 0.1 -1.02001 1.6 -1.12004 -0.5 -0.12007 0.5 -0.1
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of business equity for families with holdings
Median value of business equity for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 88.5 16.11992 72.4 21.71995 47.6 20.31998 73.0 25.52001 111.1 17.52004 89.5 32.92007 100.0 33.0
Three-year change (percent)1992 -18.2 34.81995 -34.3 -6.51998 53.4 25.62001 52.2 -31.42004 -19.4 88.02007 11.7 0.3
0
200
400
600
800
1000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of business equity for families with holdings
Mean value of business equity for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 533.0 244.91992 443.6 188.41995 541.7 99.01998 651.8 108.52001 723.4 218.02004 789.1 233.02007 1028.1 319.1
Three-year change (percent)1992 -16.8 -23.11995 22.1 -47.51998 20.3 9.62001 11.0 100.92004 9.1 6.92007 30.3 37.0
0
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with business equity
Percent of families with business equityPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 1.7 7.3 12.0 20.2 50.11992 2.2 8.0 15.7 20.4 47.91995 1.9 7.4 14.6 18.6 40.21998 2.0 7.6 11.4 19.8 44.62001 1.7 5.7 13.4 24.1 47.32004 1.6 7.4 13.1 22.5 44.52007 2.3 7.5 13.4 19.6 48.3
Three-year change (percentage points)1992 0.5 0.7 3.7 0.2 -2.21995 -0.3 -0.6 -1.1 -1.8 -7.71998 0.1 0.2 -3.2 1.2 4.42001 -0.3 -1.9 2.0 4.3 2.72004 -0.1 1.7 -0.3 -1.6 -2.82007 0.7 0.1 0.3 -2.9 3.8
0
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of business equity for families with holdings
Median value of business equity for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 0.2 4.8 40.2 88.5 483.01992 2.9 10.9 25.3 86.1 390.71995 1.4 10.1 20.3 101.4 365.01998 1.8 8.9 46.8 95.5 318.32001 3.6 7.0 48.1 117.0 467.82004 2.2 7.7 46.7 109.8 549.12007 0.5 11.5 50.0 100.0 610.0
Three-year change (percent)1992 1350.0 127.1 -37.1 -2.7 -19.11995 -51.7 -7.3 -19.8 17.8 -6.61998 28.6 -11.9 130.5 -5.8 -12.82001 100.0 -21.3 2.8 22.5 47.02004 -38.9 10.0 -2.9 -6.2 17.42007 -77.3 49.4 7.1 -8.9 11.1
0
500
1000
1500
2000
2500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of business equity for families with holdings
Mean value of business equity for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 8.3 12.1 57.8 133.6 1144.11992 10.1 17.6 39.8 116.1 1067.51995 6.7 16.3 38.7 110.1 1318.01998 5.2 18.7 64.8 136.2 1451.32001 15.1 18.1 65.0 183.3 1699.12004 4.4 17.0 75.0 190.3 1960.92007 3.9 23.2 71.2 182.7 2487.5
Three-year change (percent)1992 21.7 45.5 -31.1 -13.1 -6.71995 -33.7 -7.4 -2.8 -5.2 23.51998 -22.4 14.7 67.4 23.7 10.12001 190.4 -3.2 0.3 34.6 17.12004 -70.9 -6.1 15.4 3.8 15.42007 -11.4 36.5 -5.1 -4.0 26.9
7
8
9
10
11
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsYear All families
Level (percent)1989 12.41992 8.31995 9.01998 8.52001 7.52004 7.82007 7.2
Three-year change (percentage points)1992 -4.11995 0.71998 -0.52001 -1.02004 0.32007 -0.6
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 12.11992 10.11995 11.91998 12.72001 14.02004 16.52007 14.0
Three-year change (percent)1992 -16.51995 17.81998 6.72001 10.22004 17.92007 -15.2
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 47.71992 42.51995 54.31998 51.42001 66.12004 73.12007 80.7
Three-year change (percent)1992 -10.91995 27.81998 -5.32001 28.62004 10.62007 10.4
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 5.3 8.1 11.9 16.1 17.0 23.81992 4.6 4.3 9.9 7.3 12.0 19.11995 3.7 6.4 7.2 12.2 10.0 21.11998 2.3 7.4 8.9 10.5 9.4 17.02001 2.9 5.8 6.2 8.7 9.4 17.92004 3.9 4.3 7.6 10.4 8.4 16.72007 3.9 5.7 7.4 7.2 9.0 14.1
Three-year change (percentage points)1992 -0.7 -3.8 -2.0 -8.8 -5.0 -4.71995 -0.9 2.1 -2.7 4.9 -2.0 2.01998 -1.4 1.0 1.7 -1.7 -0.6 -4.12001 0.6 -1.6 -2.7 -1.8 0.0 0.92004 1.0 -1.5 1.4 1.7 -1.0 -1.22007 0.0 1.4 -0.2 -3.2 0.6 -2.6
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 1.6 8.0 9.7 11.3 16.1 40.21992 2.7 10.1 7.2 7.2 18.8 36.21995 8.1 7.8 6.8 10.8 27.0 23.01998 6.4 6.4 7.6 12.7 12.7 38.22001 7.0 7.0 11.7 11.7 23.4 58.52004 4.9 7.7 11.0 11.0 19.2 54.92007 3.0 6.0 10.0 15.0 20.0 75.0
Three-year change (percent)1992 68.8 26.2 -25.8 -36.3 16.8 -10.01995 200.0 -22.8 -5.6 50.0 43.6 -36.51998 -21.0 -17.9 11.8 17.6 -53.0 66.12001 9.4 9.4 53.9 -7.9 84.3 53.12004 -30.0 10.0 -6.0 -6.0 -17.9 -6.22007 -38.8 -22.1 -9.1 36.4 4.2 36.6
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 12.5 23.9 16.5 40.6 27.7 134.51992 7.4 22.2 17.7 29.2 40.5 105.41995 16.7 13.8 17.9 33.3 54.2 141.61998 13.3 17.7 25.6 28.2 42.2 152.12001 14.7 20.9 16.9 25.9 41.7 198.02004 15.5 20.8 52.0 37.3 47.3 203.72007 24.7 19.3 34.1 50.4 50.4 259.9
Three-year change (percent)1992 -40.8 -7.1 7.3 -28.1 46.2 -21.61995 125.7 -37.8 1.1 14.0 33.8 34.31998 -20.4 28.3 43.0 -15.3 -22.1 7.42001 10.5 18.1 -34.0 -8.2 -1.2 30.22004 5.4 -0.5 207.7 44.0 13.4 2.92007 59.4 -7.2 -34.4 35.1 6.6 27.6
6
8
10
12
14
16
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 9.8 14.0 15.6 13.9 12.9 8.01992 8.2 9.4 9.8 6.4 6.5 8.81995 7.2 10.0 11.4 10.2 9.0 5.61998 7.3 8.8 9.2 8.5 10.3 7.02001 6.8 7.8 7.2 7.9 9.7 5.82004 5.5 6.0 9.7 9.2 9.0 8.52007 5.9 5.5 8.7 8.5 9.1 5.8
Three-year change (percentage points)1992 -1.6 -4.6 -5.8 -7.5 -6.4 0.81995 -1.0 0.6 1.6 3.8 2.5 -3.21998 0.1 -1.2 -2.2 -1.7 1.3 1.42001 -0.5 -1.0 -2.0 -0.6 -0.6 -1.22004 -1.3 -1.8 2.5 1.3 -0.7 2.72007 0.4 -0.5 -1.0 -0.7 0.1 -2.7
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 8.0 11.3 12.9 16.1 13.4 13.41992 5.8 11.6 18.8 14.5 13.0 9.41995 6.8 13.5 13.5 13.5 18.9 10.81998 6.4 10.2 17.8 35.6 12.7 12.72001 11.7 10.5 12.9 35.1 23.4 14.02004 5.5 11.0 22.0 27.5 32.9 12.12007 8.0 10.0 15.0 20.0 20.0 25.0
Three-year change (percent)1992 -27.5 2.7 45.7 -9.9 -3.0 -29.91995 17.2 16.4 -28.2 -6.9 45.4 14.91998 -5.9 -24.4 31.9 163.7 -32.8 17.62001 82.8 2.9 -27.5 -1.4 84.3 10.22004 -53.0 4.8 70.5 -21.7 40.6 -13.62007 45.5 -9.1 -31.8 -27.3 -39.2 106.6
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 29.7 57.2 51.3 60.2 43.3 40.81992 10.9 36.8 66.7 57.1 82.9 35.31995 25.2 29.5 54.3 81.6 89.4 120.21998 15.1 24.2 87.2 89.3 64.0 48.52001 19.9 30.7 108.1 123.2 91.7 40.72004 11.3 29.3 68.7 102.6 108.6 143.62007 26.6 32.1 105.2 89.0 136.0 101.6
Three-year change (percent)1992 -63.3 -35.7 30.0 -5.1 91.5 -13.51995 131.2 -19.8 -18.6 42.9 7.8 240.51998 -40.1 -18.0 60.6 9.4 -28.4 -59.72001 31.8 26.9 24.0 38.0 43.3 -16.12004 -43.2 -4.6 -36.4 -16.7 18.4 252.82007 135.4 9.6 53.1 -13.3 25.2 -29.2
4
6
8
10
12
14
16
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 8.6 12.7 10.7 11.7 16.21992 3.3 9.9 6.4 8.3 11.01995 4.9 11.4 6.2 9.4 10.51998 6.7 10.0 6.7 7.7 10.12001 4.2 10.5 5.7 6.7 8.82004 4.5 7.9 8.0 6.5 10.52007 5.4 7.6 5.9 6.3 9.4
Three-year change (percentage points)1992 -5.3 -2.8 -4.3 -3.4 -5.21995 1.6 1.5 -0.2 1.1 -0.51998 1.8 -1.4 0.5 -1.7 -0.42001 -2.5 0.5 -1.0 -1.0 -1.32004 0.3 -2.6 2.3 -0.2 1.72007 0.9 -0.3 -2.1 -0.2 -1.1
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 6.4 8.0 15.8 16.1 12.91992 8.7 7.2 7.2 14.5 14.51995 10.8 8.8 13.5 10.8 13.51998 8.9 6.4 10.2 15.3 25.52001 9.9 11.7 17.5 11.7 23.42004 11.0 11.0 11.0 16.5 24.72007 10.0 8.8 10.0 15.0 23.5
Three-year change (percent)1992 35.9 -10.0 -54.4 -9.9 12.41995 24.1 22.2 87.5 -25.5 -6.91998 -17.6 -27.3 -24.4 41.7 88.92001 11.2 82.8 71.6 -23.5 -8.22004 11.1 -6.0 -37.1 41.0 5.62007 -9.1 -20.9 -9.1 -9.1 -4.9
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 17.7 22.1 27.2 77.6 43.71992 21.0 21.6 23.5 53.6 53.61995 28.6 22.5 67.9 47.7 83.31998 20.5 26.4 38.1 66.8 65.92001 36.3 21.5 57.5 69.2 99.22004 66.5 27.7 68.9 62.6 104.22007 60.8 34.7 48.3 92.5 107.0
Three-year change (percent)1992 18.6 -2.3 -13.6 -30.9 22.71995 36.2 4.2 188.9 -11.0 55.41998 -28.3 17.3 -43.9 40.0 -20.92001 77.1 -18.6 50.9 3.6 50.52004 83.2 28.8 19.8 -9.5 5.02007 -8.6 25.3 -29.9 47.8 2.7
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 6.0 11.0 15.0 18.01992 2.3 5.4 10.9 13.61995 3.1 6.0 9.2 15.61998 3.7 6.9 7.1 13.12001 1.9 5.0 9.7 11.12004 1.9 5.3 9.4 11.32007 2.2 5.1 7.0 11.0
Three-year change (percentage points)1992 -3.7 -5.6 -4.1 -4.41995 0.8 0.6 -1.7 2.01998 0.6 0.9 -2.1 -2.52001 -1.8 -1.9 2.6 -2.02004 0.0 0.3 -0.3 0.22007 0.3 -0.2 -2.4 -0.3
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 4.8 6.8 19.3 16.11992 5.1 7.2 7.2 14.51995 10.8 6.8 13.5 13.51998 6.4 6.4 7.6 19.12001 7.0 9.4 12.9 23.42004 5.5 11.0 11.0 22.02007 13.2 7.2 13.0 20.0
Three-year change (percent)1992 6.2 5.9 -62.7 -9.91995 111.8 -5.6 87.5 -6.91998 -40.7 -5.9 -43.7 41.52001 9.4 46.9 69.7 22.52004 -21.4 17.0 -14.7 -6.02007 140.0 -34.5 18.2 -9.1
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 13.2 19.2 45.9 78.61992 15.7 18.9 28.3 60.51995 15.8 24.5 59.0 69.21998 24.0 20.2 43.3 73.32001 8.5 22.4 35.0 103.82004 64.4 29.9 36.6 105.72007 58.4 22.4 37.1 122.0
Three-year change (percent)1992 18.9 -1.6 -38.3 -23.01995 0.6 29.6 108.5 14.41998 51.9 -17.6 -26.6 5.92001 -64.6 10.9 -19.2 41.62004 657.6 33.5 4.6 1.82007 -9.3 -25.1 1.4 15.4
2
4
6
8
10
12
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 14.6 5.81992 9.7 4.11995 10.6 3.61998 10.0 3.22001 8.9 3.12004 9.3 3.82007 8.4 4.3
Three-year change (percentage points)1992 -4.9 -1.71995 0.9 -0.51998 -0.6 -0.42001 -1.1 -0.12004 0.4 0.72007 -0.9 0.5
6
8
10
12
14
16
18
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 12.9 8.01992 10.1 10.11995 13.5 8.81998 12.7 6.42001 17.5 5.32004 17.9 11.02007 15.0 8.0
Three-year change (percent)1992 -21.7 26.21995 33.7 -12.91998 -5.9 -27.32001 37.8 -17.22004 2.3 107.52007 -16.2 -27.3
30
40
50
60
70
80
90
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 49.0 38.01992 41.4 50.11995 54.1 56.51998 53.9 26.12001 70.6 26.12004 78.4 39.62007 87.7 47.3
Three-year change (percent)1992 -15.5 31.81995 30.7 12.81998 -0.4 -53.82001 31.0 0.02004 11.0 51.72007 11.9 19.4
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 12.4 21.2 9.5 8.41992 9.4 12.0 5.6 5.11995 9.6 15.5 5.8 6.01998 8.8 13.3 6.4 3.42001 7.3 14.0 5.3 4.12004 7.1 12.9 7.1 6.42007 7.1 11.0 5.4 8.5
Three-year change (percentage points)1992 -3.0 -9.2 -3.9 -3.31995 0.2 3.5 0.2 0.91998 -0.8 -2.2 0.6 -2.62001 -1.5 0.7 -1.1 0.72004 -0.2 -1.1 1.8 2.32007 0.0 -1.9 -1.7 2.1
0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 9.7 24.1 11.3 3.21992 8.7 23.2 10.1 10.91995 13.5 10.8 13.5 9.51998 8.9 63.7 12.7 7.32001 11.7 35.1 23.4 2.32004 11.0 32.9 27.5 22.02007 10.0 50.0 13.2 2.5
Three-year change (percent)1992 -10.3 -3.7 -10.6 240.61995 55.2 -53.4 33.7 -12.81998 -34.1 489.8 -5.9 -23.22001 31.5 -44.9 84.3 -68.52004 -6.0 -6.3 17.5 856.52007 -9.1 52.0 -52.0 -88.6
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 30.5 108.2 33.0 73.51992 29.1 102.1 32.6 55.21995 42.8 97.1 58.7 29.81998 34.2 109.9 56.1 20.52001 34.3 134.6 98.8 10.22004 39.3 125.5 117.6 32.92007 43.1 199.2 117.9 13.6
Three-year change (percent)1992 -4.6 -5.6 -1.2 -24.91995 47.1 -4.9 80.1 -46.01998 -20.1 13.2 -4.4 -31.22001 0.3 22.5 76.1 -50.22004 14.6 -6.8 19.0 222.52007 9.7 58.7 0.3 -58.7
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 19.0 10.9 11.9 9.21992 13.6 7.5 8.5 5.51995 15.2 9.4 7.9 5.81998 12.7 8.0 7.8 5.92001 13.0 6.7 4.4 5.12004 10.4 7.2 5.9 7.02007 9.9 7.7 4.9 5.9
Three-year change (percentage points)1992 -5.4 -3.4 -3.4 -3.71995 1.6 1.9 -0.6 0.31998 -2.5 -1.4 -0.1 0.12001 0.3 -1.3 -3.4 -0.82004 -2.6 0.5 1.5 1.92007 -0.5 0.5 -1.0 -1.1
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 16.1 9.7 8.0 10.51992 14.5 10.1 4.3 10.11995 16.2 12.2 7.8 10.81998 15.3 11.1 12.7 12.72001 23.4 11.7 9.4 18.72004 19.2 11.0 11.0 27.52007 20.0 15.0 10.8 12.5
Three-year change (percent)1992 -9.9 4.1 -46.2 -3.81995 11.7 20.8 81.4 6.91998 -5.6 -9.0 62.8 17.62001 52.9 5.4 -26.0 47.22004 -17.9 -6.0 17.0 47.12007 4.2 36.4 -1.8 -54.5
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 60.7 62.1 24.2 40.61992 56.8 51.3 13.2 37.61995 75.2 48.1 30.8 52.61998 66.3 54.1 25.0 52.52001 83.2 38.2 19.3 87.02004 92.4 37.5 22.5 105.62007 113.4 48.9 22.9 94.3
Three-year change (percent)1992 -6.4 -17.4 -45.5 -7.41995 32.4 -6.2 133.3 39.91998 -11.8 12.5 -18.8 -0.22001 25.5 -29.4 -22.8 65.72004 11.1 -1.8 16.6 21.42007 22.7 30.4 1.8 -10.7
6
8
10
12
14
16
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsRegion
Year Northeast Midwest South WestLevel (percent)
1989 13.1 12.2 10.4 15.11992 9.7 6.3 6.5 12.41995 8.0 9.4 8.1 11.11998 9.8 7.3 7.7 10.02001 5.7 7.2 6.4 11.12004 6.4 8.8 7.1 8.92007 5.5 6.4 7.2 9.3
Three-year change (percentage points)1992 -3.4 -5.9 -3.9 -2.71995 -1.7 3.1 1.6 -1.31998 1.8 -2.1 -0.4 -1.12001 -4.1 -0.1 -1.3 1.12004 0.7 1.6 0.7 -2.22007 -0.9 -2.4 0.1 0.4
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 16.1 8.9 9.7 15.81992 14.5 10.1 7.2 11.71995 13.5 9.5 13.5 13.51998 11.1 8.9 14.0 12.72001 23.4 11.7 11.7 12.92004 16.5 16.5 16.5 16.52007 20.0 10.0 15.0 14.0
Three-year change (percent)1992 -9.9 13.5 -25.8 -25.91995 -6.9 -5.9 87.5 15.41998 -17.8 -6.3 3.7 -5.92001 110.8 31.5 -16.4 1.62004 -29.5 41.0 41.0 27.92007 21.2 -39.4 -9.1 -15.2
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 60.0 26.7 48.3 56.41992 43.8 39.9 47.1 38.91995 58.5 34.7 62.6 60.41998 43.0 35.9 69.2 48.52001 87.1 54.3 72.0 59.12004 87.9 95.4 46.9 75.62007 87.7 39.6 89.5 95.3
Three-year change (percent)1992 -27.0 49.4 -2.5 -31.01995 33.6 -13.0 32.9 55.31998 -26.5 3.5 10.5 -19.72001 102.6 51.3 4.0 21.92004 0.9 75.7 -34.9 27.92007 -0.2 -58.5 90.8 26.1
4
6
8
10
12
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 12.7 11.01992 9.1 4.81995 9.6 5.41998 8.7 7.42001 8.0 4.22004 8.3 5.12007 7.6 5.1
Three-year change (percentage points)1992 -3.6 -6.21995 0.5 0.61998 -0.9 2.02001 -0.7 -3.22004 0.3 0.92007 -0.7 0.0
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 13.7 6.81992 10.9 4.61995 12.2 10.11998 12.7 11.12001 14.0 7.02004 16.5 11.02007 13.5 22.0
Three-year change (percent)1992 -20.4 -32.41995 11.9 119.61998 4.1 9.92001 10.2 -36.92004 17.9 57.12007 -18.2 100.0
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 49.5 38.51992 46.2 11.61995 55.3 44.21998 53.9 34.52001 69.2 29.42004 76.7 44.52007 81.1 77.3
Three-year change (percent)1992 -6.7 -69.91995 19.7 281.01998 -2.5 -21.92001 28.4 -14.82004 10.8 51.42007 5.7 73.7
4
6
8
10
12
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsHousing status
Year Owner Renter or otherLevel (percent)
1989 14.5 8.51992 9.4 6.51995 10.5 6.31998 9.5 6.42001 8.7 4.92004 9.2 4.62007 8.0 5.3
Three-year change (percentage points)1992 -5.1 -2.01995 1.1 -0.21998 -1.0 0.12001 -0.8 -1.52004 0.5 -0.32007 -1.2 0.7
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 12.9 9.71992 11.6 7.21995 13.5 6.81998 16.6 6.42001 17.5 7.02004 19.2 8.82007 20.0 5.4
Three-year change (percent)1992 -10.1 -25.81995 16.4 -5.61998 23.0 -5.92001 5.4 9.42004 9.7 25.72007 4.2 -38.6
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 44.1 58.61992 47.0 30.91995 64.6 23.01998 62.7 18.82001 73.6 38.62004 84.4 23.52007 94.0 36.7
Three-year change (percent)1992 6.6 -47.31995 37.4 -25.61998 -2.9 -18.32001 17.4 105.32004 14.7 -39.12007 11.4 56.2
0
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with other nonfinancial assets
Percent of families with other nonfinancial assetsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 3.3 10.6 13.1 17.8 29.21992 3.1 5.4 9.2 12.1 21.01995 3.1 7.0 10.5 12.3 20.41998 2.7 7.9 8.9 11.4 18.82001 3.0 5.0 6.7 10.1 22.72004 2.9 5.4 7.8 12.4 18.72007 2.4 6.5 7.8 7.3 19.0
Three-year change (percentage points)1992 -0.2 -5.2 -3.9 -5.7 -8.21995 0.0 1.6 1.3 0.2 -0.61998 -0.4 0.9 -1.6 -0.9 -1.62001 0.3 -2.9 -2.2 -1.3 3.92004 -0.1 0.4 1.1 2.3 -4.02007 -0.5 1.1 0.0 -5.1 0.3
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of other nonfinancial assets for families with holdings
Median value of other nonfinancial assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.0 6.4 10.5 16.1 33.81992 1.8 6.5 8.7 14.5 36.21995 3.4 6.8 11.3 13.5 33.81998 1.3 6.4 11.1 19.1 70.02001 4.7 11.7 11.7 21.1 46.82004 3.3 6.6 11.0 27.5 87.92007 1.3 7.5 13.0 30.0 66.5
Three-year change (percent)1992 80.0 1.6 -17.1 -9.9 7.11995 88.9 4.6 29.9 -6.9 -6.61998 -61.8 -5.9 -1.8 41.5 107.12001 261.5 82.8 5.4 10.5 -33.12004 -29.8 -43.6 -6.0 30.3 87.82007 -60.6 13.6 18.2 9.1 -24.3
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of other nonfinancial assets for families with holdings
Mean value of other nonfinancial assets for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 3.9 9.0 17.1 30.6 145.41992 3.0 10.3 16.7 38.3 109.51995 6.0 8.8 19.6 33.4 175.51998 6.2 10.2 22.4 31.2 163.62001 5.2 14.4 23.4 32.5 168.92004 4.9 13.2 24.3 47.2 219.62007 2.8 13.1 26.9 63.9 228.0
Three-year change (percent)1992 -23.1 14.4 -2.3 25.2 -24.71995 100.0 -14.6 17.4 -12.8 60.31998 3.3 15.9 14.3 -6.6 -6.82001 -16.1 41.2 4.5 4.2 3.22004 -5.8 -8.3 3.8 45.2 30.02007 -42.9 -0.8 10.7 35.4 3.8
69
70
71
72
73
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with unrealized capital gains
Percent of families with unrealized capital gainsYear All families
Level (percent)1989 68.81992 69.41995 69.81998 71.02001 72.12004 73.02007 72.4
Three-year change (percentage points)1992 0.61995 0.41998 1.22001 1.12004 0.92007 -0.6
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 48.31992 39.11995 35.31998 39.52001 46.82004 59.32007 75.0
Three-year change (percent)1992 -19.01995 -9.71998 11.92001 18.52004 26.72007 26.5
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 168.21992 145.91995 131.01998 172.92001 210.42004 243.12007 322.9
Three-year change (percent)1992 -13.31995 -10.21998 32.02001 21.72004 15.52007 32.8
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with unrealized capital gains
Percent of families with unrealized capital gainsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 35.4 62.2 71.2 80.9 90.7 98.21992 43.1 61.8 69.1 80.7 89.4 95.21995 42.0 61.3 68.5 83.9 91.9 95.11998 40.8 59.6 74.9 84.4 93.1 98.02001 42.6 61.8 71.3 87.6 95.1 99.62004 43.0 60.5 76.6 87.7 95.5 99.22007 44.4 57.6 74.8 88.1 96.2 97.7
Three-year change (percentage points)1992 7.7 -0.4 -2.1 -0.2 -1.3 -3.01995 -1.1 -0.5 -0.6 3.2 2.5 -0.11998 -1.2 -1.7 6.4 0.5 1.2 2.92001 1.8 2.2 -3.6 3.2 2.0 1.62004 0.4 -1.3 5.3 0.1 0.4 -0.42007 1.4 -2.9 -1.8 0.4 0.7 -1.5
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 24.1 37.0 40.2 45.9 65.2 174.21992 29.4 28.9 28.0 36.9 46.3 149.81995 20.3 28.4 28.4 29.7 41.5 94.61998 26.6 31.9 28.7 36.9 53.5 127.32001 29.2 30.1 31.6 44.4 71.3 187.32004 30.5 38.7 43.9 64.8 87.9 252.72007 46.0 48.9 50.0 73.4 132.3 356.8
Three-year change (percent)1992 22.0 -21.9 -30.3 -19.6 -29.0 -14.01995 -31.0 -1.7 1.4 -19.5 -10.4 -36.81998 31.0 12.3 1.1 24.2 28.9 34.62001 9.8 -5.6 10.1 20.3 33.3 47.12004 4.5 28.6 38.9 45.9 23.3 34.92007 50.8 26.4 13.9 13.3 50.5 41.2
0
500
1000
1500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 44.8 68.9 96.3 101.9 150.3 612.91992 53.4 59.7 81.5 86.7 134.2 546.31995 50.0 55.9 64.7 74.5 102.3 522.81998 56.1 62.6 75.1 99.3 130.3 721.32001 47.9 78.3 75.6 115.0 174.0 908.32004 79.4 94.4 106.7 150.3 179.2 1003.02007 116.5 100.5 115.5 162.9 276.2 1425.3
Three-year change (percent)1992 19.2 -13.4 -15.4 -14.9 -10.7 -10.91995 -6.4 -6.4 -20.6 -14.1 -23.8 -4.31998 12.2 12.0 16.1 33.3 27.4 38.02001 -14.6 25.1 0.7 15.8 33.5 25.92004 65.8 20.6 41.1 30.7 3.0 10.42007 46.7 6.5 8.2 8.4 54.1 42.1
40
50
60
70
80
90
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with unrealized capital gains
Percent of families with unrealized capital gainsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 46.9 71.4 81.9 82.2 79.2 74.21992 44.7 70.7 77.7 83.7 83.1 81.41995 47.8 69.6 78.5 84.2 81.7 77.71998 48.5 71.1 79.8 81.9 83.1 79.02001 48.1 73.7 78.2 85.9 85.1 78.42004 50.1 71.9 80.1 82.5 82.6 86.32007 47.0 71.5 79.7 83.1 87.2 79.8
Three-year change (percentage points)1992 -2.2 -0.7 -4.2 1.5 3.9 7.21995 3.1 -1.1 0.8 0.5 -1.4 -3.71998 0.7 1.5 1.3 -2.3 1.4 1.32001 -0.4 2.6 -1.6 4.0 2.0 -0.62004 2.0 -1.8 1.9 -3.4 -2.5 7.92007 -3.1 -0.4 -0.4 0.6 4.6 -6.5
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 13.7 44.8 74.1 70.0 62.9 60.51992 10.9 27.3 53.5 62.2 64.8 52.01995 6.8 26.1 43.9 60.8 71.0 68.11998 10.2 28.0 44.6 62.4 77.0 70.72001 11.7 33.9 56.7 70.2 71.7 85.52004 16.5 49.4 71.4 102.8 84.6 84.62007 18.0 50.0 96.0 100.0 111.9 103.6
Three-year change (percent)1992 -20.4 -39.1 -27.8 -11.1 3.0 -14.01995 -37.6 -4.4 -17.9 -2.3 9.6 31.01998 50.0 7.3 1.6 2.6 8.5 3.82001 14.7 21.1 27.1 12.5 -6.9 20.92004 41.0 45.7 25.9 46.4 18.0 -1.12007 9.1 1.2 34.5 -2.7 32.3 22.5
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 55.5 121.8 203.6 247.4 222.9 215.01992 43.2 111.6 192.5 227.7 189.6 118.21995 27.2 70.6 164.8 221.0 195.2 149.91998 40.5 113.4 201.0 290.5 251.5 183.32001 69.1 147.4 230.9 303.3 328.8 223.82004 61.5 182.6 281.4 381.7 307.9 240.72007 113.9 183.5 356.6 452.2 478.0 356.7
Three-year change (percent)1992 -22.2 -8.4 -5.5 -8.0 -14.9 -45.01995 -37.0 -36.7 -14.4 -2.9 3.0 26.81998 48.9 60.6 22.0 31.4 28.8 22.32001 70.6 30.0 14.9 4.4 30.7 22.12004 -11.0 23.9 21.9 25.8 -6.4 7.62007 85.2 0.5 26.7 18.5 55.2 48.2
40
50
60
70
80
90
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with unrealized capital gains
Percent of families with unrealized capital gainsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 44.6 40.6 63.6 81.0 84.51992 47.7 47.1 71.4 77.0 82.71995 50.2 49.6 71.2 77.6 80.71998 50.1 46.9 70.3 80.4 84.12001 48.7 50.0 72.3 81.0 83.22004 55.3 51.5 73.3 80.4 84.72007 52.3 52.2 72.1 79.8 83.4
Three-year change (percentage points)1992 3.1 6.5 7.8 -4.0 -1.81995 2.5 2.5 -0.2 0.6 -2.01998 -0.1 -2.7 -0.9 2.8 3.42001 -1.4 3.1 2.0 0.6 -0.92004 6.6 1.5 1.0 -0.6 1.52007 -3.0 0.7 -1.2 -0.6 -1.3
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 46.7 22.5 47.5 45.9 70.01992 21.7 15.2 46.8 39.2 52.11995 27.2 9.6 51.4 31.1 52.71998 20.4 14.5 45.1 35.1 66.22001 26.3 15.2 53.0 46.0 67.12004 29.7 27.5 62.7 62.6 87.92007 54.1 25.7 81.0 74.5 96.5
Three-year change (percent)1992 -53.5 -32.4 -1.5 -14.6 -25.61995 25.3 -36.8 9.8 -20.7 1.21998 -25.0 51.0 -12.3 12.9 25.62001 28.9 4.8 17.5 31.1 1.42004 12.9 80.9 18.3 36.1 31.02007 82.2 -6.5 29.2 19.0 9.8
0
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 121.1 104.9 110.8 157.5 249.21992 59.2 69.5 124.8 157.4 194.71995 61.3 52.0 122.3 106.4 211.81998 92.4 68.7 140.7 167.4 252.12001 75.5 101.0 143.7 233.0 277.92004 111.0 130.2 180.7 267.5 325.22007 149.7 174.9 212.8 326.6 468.5
Three-year change (percent)1992 -51.1 -33.7 12.6 -0.1 -21.91995 3.5 -25.2 -2.0 -32.4 8.81998 50.7 32.1 15.0 57.3 19.02001 -18.3 47.0 2.1 39.2 10.22004 47.0 28.9 25.7 14.8 17.02007 34.9 34.3 17.8 22.1 44.1
55
60
65
70
75
80
85
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with unrealized capital gains
Percent of families with unrealized capital gainsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 63.0 64.3 71.4 77.61992 58.0 66.7 70.2 78.81995 60.6 68.2 65.9 79.61998 54.5 69.3 70.2 81.42001 57.7 67.8 69.9 84.12004 56.5 68.4 70.4 84.82007 54.1 70.6 67.2 83.7
Three-year change (percentage points)1992 -5.0 2.4 -1.2 1.21995 2.6 1.5 -4.3 0.81998 -6.1 1.1 4.3 1.82001 3.2 -1.5 -0.3 2.72004 -1.2 0.6 0.5 0.72007 -2.4 2.2 -3.2 -1.1
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 40.0 44.9 48.3 72.41992 32.0 28.9 37.8 57.21995 27.0 35.8 31.1 40.61998 36.9 35.5 38.2 48.52001 33.2 39.3 40.9 65.52004 36.1 50.5 58.2 83.82007 54.0 64.0 70.0 104.0
Three-year change (percent)1992 -20.0 -35.6 -21.7 -21.01995 -15.6 23.9 -17.7 -29.01998 36.7 -0.8 22.8 19.52001 -10.0 10.7 7.1 35.12004 8.7 28.5 42.3 27.92007 49.6 26.7 20.3 24.1
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 101.4 102.7 166.4 279.11992 76.5 87.9 133.4 231.01995 80.9 92.2 122.5 192.81998 74.7 106.9 148.9 271.22001 89.2 109.8 148.7 353.02004 134.5 122.5 189.4 375.32007 123.1 165.2 268.3 519.1
Three-year change (percent)1992 -24.6 -14.4 -19.8 -17.21995 5.8 4.9 -8.2 -16.51998 -7.7 15.9 21.6 40.72001 19.4 2.7 -0.1 30.22004 50.8 11.6 27.4 6.32007 -8.5 34.9 41.7 38.3
50
55
60
65
70
75
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with unrealized capital gains
Percent of families with unrealized capital gainsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 75.4 49.21992 76.2 48.71995 75.9 48.81998 76.7 52.22001 79.2 50.42004 80.4 53.92007 79.7 54.8
Three-year change (percentage points)1992 0.8 -0.51995 -0.3 0.11998 0.8 3.42001 2.5 -1.82004 1.2 3.52007 -0.7 0.9
20
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 56.3 29.01992 43.4 30.41995 37.9 21.01998 44.7 23.02001 52.6 26.32004 63.9 41.22007 82.0 50.0
Three-year change (percent)1992 -22.9 4.81995 -12.7 -30.91998 17.9 9.52001 17.7 14.32004 21.5 56.72007 28.3 21.4
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 186.6 84.61992 156.5 95.51995 143.4 64.51998 193.7 71.62001 235.4 89.92004 270.3 138.12007 355.5 208.7
Three-year change (percent)1992 -16.1 12.91995 -8.4 -32.51998 35.1 11.02001 21.5 25.62004 14.8 53.62007 31.5 51.1
30
40
50
60
70
80
90
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with unrealized capital gains
Percent of families with unrealized capital gainsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 67.6 87.0 73.5 31.41992 67.4 89.4 76.1 34.41995 69.1 84.4 73.7 38.01998 69.3 88.4 74.0 38.62001 69.4 89.4 75.6 46.12004 70.4 88.2 77.0 46.52007 71.0 90.2 74.3 39.1
Three-year change (percentage points)1992 -0.2 2.4 2.6 3.01995 1.7 -5.0 -2.4 3.61998 0.2 4.0 0.3 0.62001 0.1 1.0 1.6 7.52004 1.0 -1.2 1.4 0.42007 0.6 2.0 -2.7 -7.4
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 40.2 125.2 58.9 14.51992 27.5 104.9 51.2 20.31995 23.9 90.3 56.1 20.31998 26.1 120.3 65.8 23.62001 29.5 172.5 63.7 34.02004 47.2 159.9 79.4 26.42007 55.1 240.0 92.5 28.6
Three-year change (percent)1992 -31.6 -16.2 -13.1 40.01995 -13.1 -13.9 9.6 0.01998 9.2 33.2 17.3 16.32001 13.0 43.4 -3.2 44.12004 60.0 -7.3 24.6 -22.42007 16.7 50.1 16.5 8.3
0
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 92.8 552.0 134.6 80.81992 84.6 454.7 118.8 70.41995 67.1 455.6 126.7 63.81998 83.0 583.4 162.2 68.62001 96.8 706.6 198.7 122.02004 137.8 777.6 197.2 102.32007 174.6 1129.9 271.7 129.7
Three-year change (percent)1992 -8.8 -17.6 -11.7 -12.91995 -20.7 0.2 6.6 -9.41998 23.7 28.1 28.0 7.52001 16.6 21.1 22.5 77.82004 42.4 10.0 -0.8 -16.12007 26.7 45.3 37.8 26.8
60
65
70
75
80
85
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with unrealized capital gains
Percent of families with unrealized capital gainsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 79.9 61.6 70.9 64.71992 79.7 66.0 67.6 66.21995 80.5 66.2 69.2 66.41998 81.2 63.8 71.1 67.92001 84.3 64.3 67.3 70.82004 83.5 64.1 69.5 72.32007 84.0 66.1 68.8 68.8
Three-year change (percentage points)1992 -0.2 4.4 -3.3 1.51995 0.8 0.2 1.6 0.21998 0.7 -2.4 1.9 1.52001 3.1 0.5 -3.8 2.92004 -0.8 -0.2 2.2 1.52007 0.5 2.0 -0.7 -3.5
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 77.3 49.5 32.2 53.91992 60.1 28.9 21.7 47.61995 47.3 20.3 27.0 50.61998 44.7 27.3 30.6 61.12001 69.2 30.1 26.9 61.42004 87.9 43.9 40.6 73.02007 98.0 64.0 52.0 88.0
Three-year change (percent)1992 -22.3 -41.6 -32.6 -11.71995 -21.3 -29.8 24.4 6.31998 -5.5 34.5 13.3 20.82001 54.8 10.3 -12.1 0.52004 27.0 45.8 50.9 18.92007 11.5 45.8 28.1 20.5
100
200
300
400
500
600
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 304.0 143.6 98.3 129.11992 280.4 110.4 68.2 112.91995 218.8 111.4 81.6 119.31998 308.3 130.6 78.4 153.32001 373.2 122.5 74.9 190.52004 446.6 148.5 87.3 187.72007 565.6 206.3 142.1 259.1
Three-year change (percent)1992 -7.8 -23.1 -30.6 -12.51995 -22.0 0.9 19.6 5.71998 40.9 17.2 -3.9 28.52001 21.1 -6.2 -4.5 24.32004 19.7 21.2 16.6 -1.52007 26.6 38.9 62.8 38.0
65
70
75
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with unrealized capital gains
Percent of families with unrealized capital gainsRegion
Year Northeast Midwest South WestLevel (percent)
1989 67.4 72.1 70.4 63.71992 68.4 72.5 69.8 66.21995 68.7 74.3 69.1 67.01998 71.9 75.1 70.6 66.52001 67.6 78.4 74.2 66.02004 74.1 75.8 72.1 70.72007 69.1 73.8 72.8 73.0
Three-year change (percentage points)1992 1.0 0.4 -0.6 2.51995 0.3 1.8 -0.7 0.81998 3.2 0.8 1.5 -0.52001 -4.3 3.3 3.6 -0.52004 6.5 -2.6 -2.1 4.72007 -5.0 -2.0 0.7 2.3
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 96.8 41.1 32.2 79.91992 67.8 35.7 22.4 77.61995 56.8 35.8 24.4 46.01998 38.2 44.6 34.4 49.72001 61.5 46.8 35.1 67.82004 95.6 51.6 41.7 97.72007 115.0 52.1 55.6 132.3
Three-year change (percent)1992 -30.0 -13.1 -30.4 -2.91995 -16.2 0.3 8.9 -40.71998 -32.7 24.6 41.0 8.02001 61.0 4.9 2.0 36.42004 55.4 10.3 18.8 44.12007 20.3 1.0 33.3 35.4
100
200
300
400
500
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 191.7 155.2 105.8 276.71992 183.0 115.7 93.1 239.71995 174.8 115.5 103.2 156.01998 178.3 134.7 168.3 223.92001 248.8 168.5 184.2 277.62004 319.3 213.0 165.1 340.72007 389.0 227.1 279.0 443.8
Three-year change (percent)1992 -4.5 -25.5 -12.0 -13.41995 -4.5 -0.2 10.8 -34.91998 2.0 16.6 63.1 43.52001 39.5 25.1 9.4 24.02004 28.3 26.4 -10.4 22.72007 21.8 6.6 69.0 30.3
66
68
70
72
74
76
78
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with unrealized capital gains
Percent of families with unrealized capital gainsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 67.1 76.21992 68.9 71.81995 69.0 74.81998 70.1 76.42001 71.2 77.82004 72.7 74.62007 72.0 74.2
Three-year change (percentage points)1992 1.8 -4.41995 0.1 3.01998 1.1 1.62001 1.1 1.42004 1.5 -3.22007 -0.7 -0.4
20
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 56.3 33.81992 44.9 24.81995 37.9 24.31998 41.5 31.82001 48.6 38.02004 69.2 34.52007 81.5 46.0
Three-year change (percent)1992 -20.2 -26.61995 -15.6 -2.01998 9.5 30.92001 17.1 19.52004 42.4 -9.22007 17.8 33.3
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 189.9 86.81992 167.6 54.11995 143.2 65.81998 190.5 78.92001 229.1 103.62004 274.6 95.02007 362.8 135.1
Three-year change (percent)1992 -11.7 -37.71995 -14.6 21.61998 33.0 19.92001 20.3 31.32004 19.9 -8.32007 32.1 42.2
20
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with unrealized capital gains
Percent of families with unrealized capital gainsHousing status
Year Owner Renter or otherLevel (percent)
1989 98.3 16.61992 97.8 19.21995 97.5 19.11998 97.2 19.72001 97.6 18.82004 98.0 17.52007 98.0 16.2
Three-year change (percentage points)1992 -0.5 2.61995 -0.3 -0.11998 -0.3 0.62001 0.4 -0.92004 0.4 -1.32007 0.0 -1.3
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 54.7 7.11992 43.4 6.71995 39.9 5.41998 44.6 5.12001 52.6 1.82004 65.8 2.32007 82.5 7.0
Three-year change (percent)1992 -20.7 -5.61995 -8.1 -19.41998 11.8 -5.62001 17.9 -64.72004 25.1 27.82007 25.4 204.3
50
100
150
200
250
300
350
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 174.4 102.91992 151.9 92.11995 139.7 49.71998 186.5 41.92001 222.7 76.62004 256.3 78.22007 339.3 105.8
Three-year change (percent)1992 -12.9 -10.51995 -8.0 -46.01998 33.5 -15.72001 19.4 82.82004 15.1 2.12007 32.4 35.3
0
20
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with unrealized capital gains
Percent of families with unrealized capital gainsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 11.2 69.5 96.1 97.8 99.41992 13.4 72.1 94.2 97.1 99.31995 16.8 71.9 93.0 96.5 99.51998 16.7 74.3 94.6 98.3 99.02001 17.8 76.7 95.0 98.7 99.32004 17.7 78.5 96.9 99.0 99.32007 16.8 78.2 96.2 98.0 98.8
Three-year change (percentage points)1992 2.2 2.6 -1.9 -0.7 -0.11995 3.4 -0.2 -1.2 -0.6 0.21998 -0.1 2.4 1.6 1.8 -0.52001 1.1 2.4 0.4 0.4 0.32004 -0.1 1.8 1.9 0.3 0.02007 -0.9 -0.3 -0.7 -1.0 -0.5
0
200
400
600
800
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of unrealized capital gains for families with holdings
Median value of unrealized capital gains for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 -0.9 11.3 53.9 127.2 394.51992 -0.4 10.1 43.4 113.6 315.71995 0.1 9.5 40.6 87.9 218.91998 0.6 12.8 43.9 100.1 311.92001 0.0 15.2 53.8 125.1 401.12004 1.1 17.4 73.4 159.3 527.02007 1.0 23.0 81.7 194.0 665.0
Three-year change (percent)1992 -55.6 -10.6 -19.5 -10.7 -20.01995 -125.0 -5.9 -6.5 -22.6 -30.71998 500.0 34.7 8.1 13.9 42.52001 -100.0 18.8 22.6 25.0 28.62004 . 14.5 36.4 27.3 31.42007 -9.1 32.2 11.3 21.8 26.2
0
500
1000
1500
2000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of unrealized capital gains for families with holdings
Mean value of unrealized capital gains for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 -5.4 13.7 56.1 139.4 800.31992 -6.5 13.6 47.2 111.8 721.91995 1.1 13.2 43.9 100.3 646.81998 2.6 16.7 50.1 119.0 911.42001 -0.0 17.5 65.1 158.2 1102.72004 6.8 23.0 85.6 191.2 1244.92007 5.7 31.9 96.0 220.3 1737.5
Three-year change (percent)1992 20.4 -0.7 -15.9 -19.8 -9.81995 -116.9 -2.9 -7.0 -10.3 -10.41998 136.4 26.5 14.1 18.6 40.92001 -100.0 4.8 29.9 32.9 21.02004 . 31.4 31.5 20.9 12.92007 -16.2 38.7 12.1 15.2 39.6
72
73
74
75
76
77
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with debt
Percent of families with debtYear All families
Level (percent)1989 72.31992 73.21995 74.51998 74.12001 75.12004 76.42007 77.0
Three-year change (percentage points)1992 0.91995 1.31998 -0.42001 1.02004 1.32007 0.6
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of debt for families with holdings
Median value of debt for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 24.11992 24.81995 29.21998 41.42001 45.42004 60.72007 67.3
Three-year change (percent)1992 2.91995 17.71998 41.82001 9.72004 33.72007 10.9
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of debt for families with holdings
Mean value of debt for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 57.81992 62.31995 65.81998 80.72001 84.82004 113.52007 126.0
Three-year change (percent)1992 7.81995 5.61998 22.62001 5.12004 33.82007 11.0
50
60
70
80
90
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with debt
Percent of families with debtPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 47.1 59.5 78.1 86.2 93.7 87.61992 48.9 65.8 79.1 84.8 87.5 87.41995 49.2 68.6 79.4 87.4 90.2 86.11998 47.3 66.8 79.9 87.3 89.6 88.12001 49.3 70.2 82.1 85.6 91.4 85.32004 52.6 69.8 84.0 86.6 91.9 86.32007 51.7 70.2 83.8 90.9 89.6 87.6
Three-year change (percentage points)1992 1.8 6.3 1.0 -1.4 -6.2 -0.21995 0.3 2.8 0.3 2.6 2.7 -1.31998 -1.9 -1.8 0.5 -0.1 -0.6 2.02001 2.0 3.4 2.2 -1.7 1.8 -2.82004 3.3 -0.4 1.9 1.0 0.5 1.02007 -0.9 0.4 -0.2 4.3 -2.3 1.3
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of debt for families with holdings
Median value of debt for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 2.3 8.0 19.0 45.0 63.3 118.41992 3.1 7.5 16.6 44.9 79.0 135.71995 4.1 11.4 20.5 56.7 86.5 133.61998 5.6 12.8 32.5 73.6 108.6 160.62001 6.0 13.5 34.0 72.9 113.2 171.22004 7.7 17.6 48.8 102.6 149.4 229.52007 9.0 18.0 54.5 111.3 182.2 235.0
Three-year change (percent)1992 34.8 -6.2 -12.6 -0.2 24.8 14.61995 32.3 52.0 23.5 26.3 9.5 -1.51998 36.6 12.3 58.5 29.8 25.5 20.22001 7.1 5.5 4.6 -1.0 4.2 6.62004 28.3 30.4 43.5 40.7 32.0 34.12007 16.9 2.3 11.7 8.5 22.0 2.4
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of debt for families with holdings
Mean value of debt for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 8.4 20.3 35.3 63.1 82.4 164.81992 14.6 22.1 38.8 63.5 89.9 188.71995 16.8 26.3 42.2 71.2 101.8 179.21998 18.7 30.9 52.4 90.0 116.2 219.42001 19.5 32.5 55.0 88.5 129.5 248.32004 27.0 46.0 76.8 119.6 171.8 325.62007 31.8 43.8 80.5 139.8 206.5 344.6
Three-year change (percent)1992 73.8 8.9 9.9 0.6 9.1 14.51995 15.1 19.0 8.8 12.1 13.2 -5.01998 11.3 17.5 24.2 26.4 14.1 22.42001 4.3 5.2 5.0 -1.7 11.4 13.22004 38.5 41.5 39.6 35.1 32.7 31.12007 17.8 -4.8 4.8 16.9 20.2 5.8
20
40
60
80
100
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with debt
Percent of families with debtAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 80.0 88.6 85.3 70.8 49.6 21.01992 81.5 86.3 85.4 70.1 51.4 31.61995 83.5 87.0 86.3 73.7 53.4 28.41998 81.2 87.6 87.0 76.4 51.4 24.62001 82.7 88.6 84.6 75.4 56.8 29.22004 79.8 88.6 88.4 76.3 58.8 40.32007 83.5 86.2 86.8 81.8 65.5 31.4
Three-year change (percentage points)1992 1.5 -2.3 0.1 -0.7 1.8 10.61995 2.0 0.7 0.9 3.6 2.0 -3.21998 -2.3 0.6 0.7 2.7 -2.0 -3.82001 1.5 1.0 -2.4 -1.0 5.4 4.62004 -2.9 0.0 3.8 0.9 2.0 11.12007 3.7 -2.4 -1.6 5.5 6.7 -8.9
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of debt for families with holdings
Median value of debt for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 18.4 48.4 38.1 15.4 8.0 4.51992 15.1 52.0 39.1 27.7 7.0 3.41995 20.3 50.1 52.9 28.4 9.5 2.61998 24.5 70.9 61.2 43.5 15.2 10.22001 29.1 72.0 63.5 40.5 15.3 5.82004 36.9 95.8 91.4 52.7 27.5 16.92007 36.2 106.2 95.9 60.3 40.1 13.0
Three-year change (percent)1992 -17.9 7.4 2.6 79.9 -12.5 -24.41995 34.4 -3.7 35.3 2.5 35.7 -23.51998 20.7 41.5 15.7 53.2 60.0 292.32001 18.8 1.6 3.8 -6.9 0.7 -43.12004 26.8 33.1 43.9 30.1 79.7 191.42007 -1.9 10.9 4.9 14.4 45.8 -23.1
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of debt for families with holdings
Mean value of debt for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 51.0 77.3 67.2 51.3 24.2 19.71992 48.1 82.4 77.0 61.0 34.4 25.71995 50.5 78.2 89.7 68.5 36.8 15.31998 57.9 95.4 99.1 87.5 57.6 35.52001 64.7 99.9 104.6 87.5 61.4 34.62004 87.7 130.7 141.5 124.8 70.5 59.32007 100.7 148.0 148.5 131.5 107.7 45.1
Three-year change (percent)1992 -5.7 6.6 14.6 18.9 42.1 30.51995 5.0 -5.1 16.5 12.3 7.0 -40.51998 14.7 22.0 10.5 27.7 56.5 132.02001 11.7 4.7 5.5 0.0 6.6 -2.52004 35.5 30.8 35.3 42.6 14.8 71.42007 14.8 13.2 4.9 5.4 52.8 -23.9
40
50
60
70
80
90
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with debt
Percent of families with debtFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 71.0 70.7 37.2 91.5 66.71992 75.6 72.7 39.9 91.0 69.61995 74.4 78.6 41.5 89.2 71.61998 70.9 76.3 38.2 91.0 71.72001 73.6 76.7 43.3 90.4 72.92004 77.9 77.8 47.9 90.1 74.32007 78.1 76.9 48.2 91.1 76.0
Three-year change (percentage points)1992 4.6 2.0 2.7 -0.5 2.91995 -1.2 5.9 1.6 -1.8 2.01998 -3.5 -2.3 -3.3 1.8 0.12001 2.7 0.4 5.1 -0.6 1.22004 4.3 1.1 4.6 -0.3 1.42007 0.2 -0.9 0.3 1.0 1.7
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of debt for families with holdings
Median value of debt for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 10.3 10.3 4.4 46.5 23.11992 10.6 12.4 5.9 54.1 24.61995 16.7 15.5 5.2 65.6 29.41998 13.1 16.6 13.0 78.3 43.52001 23.8 17.4 11.9 89.9 43.22004 38.4 23.9 17.9 109.8 60.42007 30.0 31.0 15.1 121.0 70.8
Three-year change (percent)1992 2.9 20.4 34.1 16.3 6.51995 57.5 25.0 -11.9 21.3 19.51998 -21.6 7.1 150.0 19.4 48.02001 81.7 4.8 -8.5 14.8 -0.72004 61.3 37.4 50.4 22.1 39.82007 -21.9 29.7 -15.6 10.2 17.2
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of debt for families with holdings
Mean value of debt for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 33.1 37.7 18.2 74.2 64.11992 34.1 37.2 26.4 88.5 60.81995 37.3 39.0 29.0 92.9 67.01998 44.1 48.0 49.7 106.5 85.92001 51.1 44.5 44.1 118.6 86.12004 68.6 67.6 53.2 152.8 127.52007 77.0 74.5 50.9 173.7 135.0
Three-year change (percent)1992 3.0 -1.3 45.1 19.3 -5.11995 9.4 4.8 9.8 5.0 10.21998 18.2 23.1 71.4 14.6 28.22001 15.9 -7.3 -11.3 11.4 0.22004 34.2 51.9 20.6 28.8 48.12007 12.2 10.2 -4.3 13.7 5.9
55
60
65
70
75
80
85
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with debt
Percent of families with debtEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 55.6 70.3 82.7 83.31992 52.7 73.8 78.2 83.01995 54.6 74.7 81.1 82.21998 52.9 69.7 82.0 84.32001 55.8 73.9 80.6 82.42004 53.4 73.2 84.2 84.32007 55.5 75.1 80.8 85.1
Three-year change (percentage points)1992 -2.9 3.5 -4.5 -0.31995 1.9 0.9 2.9 -0.81998 -1.7 -5.0 0.9 2.12001 2.9 4.2 -1.4 -1.92004 -2.4 -0.7 3.6 1.92007 2.1 1.9 -3.4 0.8
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of debt for families with holdings
Median value of debt for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 8.4 17.8 25.7 56.81992 7.5 16.1 26.3 59.91995 11.3 24.8 25.4 65.41998 12.3 30.7 56.1 76.42001 14.0 30.0 43.2 91.22004 13.2 34.0 49.4 117.72007 19.5 40.0 54.4 124.3
Three-year change (percent)1992 -10.7 -9.6 2.3 5.51995 50.7 54.0 -3.4 9.21998 8.8 23.8 120.9 16.82001 13.8 -2.3 -23.0 19.42004 -5.7 13.3 14.4 29.12007 47.7 17.6 10.1 5.6
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of debt for families with holdings
Mean value of debt for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 24.8 41.3 58.4 92.61992 23.1 40.7 57.7 98.81995 28.2 49.8 57.1 101.11998 29.6 53.4 80.5 118.32001 33.7 55.1 73.8 131.72004 45.6 70.8 97.2 169.72007 57.1 86.2 107.1 185.3
Three-year change (percent)1992 -6.9 -1.5 -1.2 6.71995 22.1 22.4 -1.0 2.31998 5.0 7.2 41.0 17.02001 13.9 3.2 -8.3 11.32004 35.3 28.5 31.7 28.92007 25.2 21.8 10.2 9.2
68
70
72
74
76
78
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with debt
Percent of families with debtRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 73.3 69.41992 74.3 70.11995 75.4 71.61998 74.8 71.52001 75.8 73.02004 78.0 72.52007 76.8 77.7
Three-year change (percentage points)1992 1.0 0.71995 1.1 1.51998 -0.6 -0.12001 1.0 1.52004 2.2 -0.52007 -1.2 5.2
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of debt for families with holdings
Median value of debt for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 29.8 11.61992 31.5 10.21995 35.8 14.31998 50.5 19.72001 52.4 23.42004 76.3 33.52007 76.4 43.9
Three-year change (percent)1992 5.7 -12.11995 13.7 40.21998 41.1 37.82001 3.8 18.82004 45.6 43.22007 0.1 31.0
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of debt for families with holdings
Mean value of debt for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 62.9 41.61992 68.3 42.81995 71.0 46.91998 88.1 55.02001 93.3 57.62004 123.1 86.72007 133.0 109.2
Three-year change (percent)1992 8.6 2.91995 4.0 9.61998 24.1 17.32001 5.9 4.72004 31.9 50.52007 8.0 26.0
40
50
60
70
80
90
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with debt
Percent of families with debtCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 86.4 80.1 40.2 59.91992 85.6 85.1 45.1 64.31995 87.4 81.2 44.9 62.91998 86.8 84.6 39.9 65.52001 86.5 81.7 44.2 61.92004 86.1 81.5 50.7 70.42007 86.2 86.8 52.3 69.7
Three-year change (percentage points)1992 -0.8 5.0 4.9 4.41995 1.8 -3.9 -0.2 -1.41998 -0.6 3.4 -5.0 2.62001 -0.3 -2.9 4.3 -3.62004 -0.4 -0.2 6.5 8.52007 0.1 5.3 1.6 -0.7
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of debt for families with holdings
Median value of debt for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 31.4 42.2 8.0 4.81992 30.5 62.2 8.0 6.61995 38.8 54.1 8.1 10.41998 44.7 82.0 13.4 16.02001 49.7 91.0 11.5 39.62004 78.9 102.6 16.9 23.12007 82.1 122.7 20.0 21.9
Three-year change (percent)1992 -2.9 47.4 0.0 37.51995 27.2 -13.0 1.2 57.61998 15.2 51.6 65.4 53.82001 11.2 11.0 -14.2 147.52004 58.8 12.7 47.0 -41.72007 4.1 19.6 18.3 -5.2
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of debt for families with holdings
Mean value of debt for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 59.4 101.8 24.2 23.71992 62.9 120.7 26.6 33.91995 69.4 107.0 30.0 34.01998 77.4 140.4 50.3 48.52001 82.0 154.4 38.0 68.62004 114.4 192.5 55.7 77.82007 127.1 225.7 65.1 74.8
Three-year change (percent)1992 5.9 18.6 9.9 43.01995 10.3 -11.4 12.8 0.31998 11.5 31.2 67.7 42.62001 5.9 10.0 -24.5 41.42004 39.5 24.7 46.6 13.42007 11.1 17.2 16.9 -3.9
40
50
60
70
80
90
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with debt
Percent of families with debtCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 90.9 82.1 83.5 44.31992 88.7 85.8 81.7 49.71995 87.7 85.2 86.6 48.61998 90.1 82.8 86.0 44.42001 88.4 83.6 84.6 47.12004 89.3 81.5 84.0 53.72007 90.9 81.8 84.9 55.0
Three-year change (percentage points)1992 -2.2 3.7 -1.8 5.41995 -1.0 -0.6 4.9 -1.11998 2.4 -2.4 -0.6 -4.22001 -1.7 0.8 -1.4 2.72004 0.9 -2.1 -0.6 6.62007 1.6 0.3 0.9 1.3
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of debt for families with holdings
Median value of debt for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 64.4 19.0 25.2 6.41992 67.8 25.5 25.8 7.41995 82.5 31.1 28.8 8.41998 84.0 38.3 36.9 13.42001 94.5 38.1 38.3 12.62004 127.3 47.6 56.4 17.72007 137.6 65.8 64.1 20.0
Three-year change (percent)1992 5.3 34.2 2.4 15.61995 21.7 22.0 11.6 13.51998 1.8 23.2 28.1 59.52001 12.5 -0.5 3.8 -6.02004 34.7 24.9 47.3 40.52007 8.1 38.2 13.7 13.0
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of debt for families with holdings
Mean value of debt for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 97.6 52.8 47.0 24.11992 107.3 55.8 51.6 28.91995 115.3 63.7 52.3 31.11998 121.1 76.6 61.7 50.32001 137.6 71.5 58.6 44.62004 182.1 90.2 85.7 60.22007 192.9 114.5 97.9 67.0
Three-year change (percent)1992 9.9 5.7 9.8 19.91995 7.5 14.2 1.4 7.61998 5.0 20.3 18.0 61.72001 13.6 -6.7 -5.0 -11.32004 32.3 26.2 46.2 35.02007 5.9 26.9 14.2 11.3
65
70
75
80
85
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with debt
Percent of families with debtRegion
Year Northeast Midwest South WestLevel (percent)
1989 69.0 68.3 73.4 78.61992 70.5 72.5 73.3 76.61995 71.9 73.3 76.2 75.61998 69.8 71.9 74.3 79.82001 67.0 77.5 76.8 76.92004 76.3 75.4 75.0 79.92007 73.3 78.3 75.3 81.6
Three-year change (percentage points)1992 1.5 4.2 -0.1 -2.01995 1.4 0.8 2.9 -1.01998 -2.1 -1.4 -1.9 4.22001 -2.8 5.6 2.5 -2.92004 9.3 -2.1 -1.8 3.02007 -3.0 2.9 0.3 1.7
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of debt for families with holdings
Median value of debt for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 24.0 26.6 19.2 44.81992 34.9 24.8 20.3 27.81995 28.4 32.6 25.1 38.41998 57.8 45.0 35.1 40.42001 43.0 47.7 41.9 45.62004 60.1 75.4 44.3 85.22007 66.6 61.2 60.9 95.5
Three-year change (percent)1992 45.4 -6.8 5.7 -37.91995 -18.6 31.5 23.6 38.11998 103.5 38.0 39.8 5.22001 -25.6 6.0 19.4 12.92004 39.8 58.1 5.7 86.82007 10.8 -18.8 37.5 12.1
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of debt for families with holdings
Mean value of debt for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 67.2 48.0 45.2 79.21992 69.4 57.2 49.7 81.71995 73.4 58.6 54.2 86.11998 84.3 72.1 71.5 100.62001 89.7 77.2 73.5 107.82004 120.5 106.8 91.6 148.72007 129.6 100.8 111.3 170.8
Three-year change (percent)1992 3.3 19.2 10.0 3.21995 5.8 2.4 9.1 5.41998 14.9 23.0 31.9 16.82001 6.4 7.1 2.8 7.22004 34.3 38.3 24.6 37.92007 7.6 -5.6 21.5 14.9
66
68
70
72
74
76
78
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with debt
Percent of families with debtUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 73.8 65.91992 74.4 67.91995 75.7 67.41998 75.4 66.12001 75.8 70.92004 76.8 74.72007 77.4 75.0
Three-year change (percentage points)1992 0.6 2.01995 1.3 -0.51998 -0.3 -1.32001 0.4 4.82004 1.0 3.82007 0.6 0.3
20
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of debt for families with holdings
Median value of debt for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 26.6 17.11992 27.9 15.61995 32.6 17.91998 44.6 31.82001 47.0 29.22004 75.8 28.92007 78.1 29.8
Three-year change (percent)1992 4.9 -8.81995 16.8 14.71998 36.8 77.72001 5.4 -8.22004 61.3 -1.02007 3.0 3.1
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of debt for families with holdings
Mean value of debt for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 61.6 39.41992 68.4 32.81995 70.3 36.11998 85.3 49.62001 89.8 51.02004 125.1 56.02007 137.8 67.1
Three-year change (percent)1992 11.0 -16.81995 2.8 10.11998 21.3 37.42001 5.3 2.82004 39.3 9.82007 10.2 19.8
60
65
70
75
80
85
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with debt
Percent of families with debtHousing status
Year Owner Renter or otherLevel (percent)
1989 78.3 61.81992 78.5 64.01995 79.6 65.31998 79.4 63.52001 79.9 65.02004 82.3 63.42007 82.4 65.4
Three-year change (percentage points)1992 0.2 2.21995 1.1 1.31998 -0.2 -1.82001 0.5 1.52004 2.4 -1.62007 0.1 2.0
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of debt for families with holdings
Median value of debt for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 50.4 4.91992 52.4 5.11995 61.5 6.51998 76.8 7.62001 81.2 7.02004 105.2 8.62007 111.1 9.2
Three-year change (percent)1992 4.0 4.11995 17.4 27.51998 24.9 16.92001 5.7 -7.92004 29.6 22.92007 5.6 7.0
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of debt for families with holdings
Mean value of debt for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 78.4 11.51992 84.8 13.51995 88.2 15.71998 106.6 17.12001 111.3 16.42004 146.3 18.72007 163.1 23.5
Three-year change (percent)1992 8.2 17.41995 4.0 16.31998 20.9 8.92001 4.4 -4.12004 31.4 14.02007 11.5 25.7
60
65
70
75
80
85
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with debt
Percent of families with debtPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 60.7 78.1 77.3 76.0 68.71992 64.8 79.3 77.3 71.3 72.01995 66.5 81.4 79.5 70.5 70.81998 65.6 81.3 76.8 70.1 76.02001 68.7 80.9 78.0 75.0 69.72004 64.9 83.8 83.2 74.6 72.72007 68.8 82.5 80.3 76.8 76.1
Three-year change (percentage points)1992 4.1 1.2 0.0 -4.7 3.31995 1.7 2.1 2.2 -0.8 -1.21998 -0.9 -0.1 -2.7 -0.4 5.22001 3.1 -0.4 1.2 4.9 -6.32004 -3.8 2.9 5.2 -0.4 3.02007 3.9 -1.3 -2.9 2.2 3.4
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of debt for families with holdings
Median value of debt for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 5.1 18.4 45.5 51.0 80.51992 6.3 21.3 43.8 47.5 110.21995 8.4 28.7 49.8 47.2 100.01998 10.6 36.6 58.6 82.8 121.42001 10.2 45.0 69.9 93.6 145.02004 12.4 48.3 99.2 120.8 209.52007 11.8 64.2 97.9 127.0 205.4
Three-year change (percent)1992 23.5 15.8 -3.7 -6.9 36.91995 33.3 34.7 13.7 -0.6 -9.31998 26.2 27.5 17.7 75.4 21.42001 -3.8 23.0 19.3 13.0 19.42004 21.6 7.3 41.9 29.1 44.52007 -4.8 32.9 -1.3 5.1 -2.0
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of debt for families with holdings
Mean value of debt for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 17.7 36.6 63.3 81.8 150.41992 19.2 43.7 65.0 81.5 174.51995 25.2 52.5 71.7 78.0 164.31998 32.9 58.4 79.2 112.1 203.42001 26.6 59.1 89.0 118.7 235.92004 35.1 72.8 122.6 150.6 322.82007 41.8 91.2 131.6 162.6 340.3
Three-year change (percent)1992 8.5 19.4 2.7 -0.4 16.01995 31.2 20.1 10.3 -4.3 -5.81998 30.6 11.2 10.5 43.7 23.82001 -19.1 1.2 12.4 5.9 16.02004 32.0 23.2 37.8 26.9 36.82007 19.1 25.3 7.3 8.0 5.4
38
40
42
44
46
48
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with home−secured debt
Percent of families with home-secured debtYear All families
Level (percent)1989 39.51992 39.11995 41.01998 43.12001 44.62004 47.92007 48.7
Three-year change (percentage points)1992 -0.41995 1.91998 2.12001 1.52004 3.32007 0.8
50
60
70
80
90
100
110
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 51.51992 62.21995 69.11998 78.92001 81.92004 104.32007 107.0
Three-year change (percent)1992 20.81995 11.11998 14.22001 3.82004 27.42007 2.6
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 73.01992 84.11995 87.51998 99.02001 107.32004 136.22007 149.0
Three-year change (percent)1992 15.21995 4.01998 13.12001 8.42004 26.92007 9.4
0
20
40
60
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with home−secured debt
Percent of families with home-secured debtPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 7.6 23.4 37.8 56.4 70.0 74.21992 10.4 21.2 36.1 56.8 67.3 74.71995 10.4 25.9 38.2 59.1 69.8 72.91998 11.2 23.9 43.7 63.5 73.6 73.02001 13.8 27.0 44.4 61.8 76.9 75.42004 15.9 29.6 51.6 65.8 76.8 76.22007 14.9 29.5 50.5 69.7 80.8 76.4
Three-year change (percentage points)1992 2.8 -2.2 -1.7 0.4 -2.7 0.51995 0.0 4.7 2.1 2.3 2.5 -1.81998 0.8 -2.0 5.5 4.4 3.8 0.12001 2.6 3.1 0.7 -1.7 3.3 2.42004 2.1 2.6 7.2 4.0 -0.1 0.82007 -1.0 -0.1 -1.1 3.9 4.0 0.2
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 11.3 20.9 33.8 59.6 67.6 112.71992 21.2 29.2 44.9 63.7 81.5 120.81995 25.0 37.2 50.0 77.1 87.9 123.01998 31.9 47.1 56.0 82.8 102.5 149.02001 32.7 46.8 65.6 88.4 106.4 156.72004 40.5 59.3 84.8 106.5 146.1 203.22007 40.0 51.0 88.7 115.0 164.0 201.0
Three-year change (percent)1992 87.6 39.7 32.8 6.9 20.6 7.21995 17.9 27.4 11.4 21.0 7.9 1.81998 27.6 26.6 12.0 7.4 16.6 21.12001 2.5 -0.6 17.1 6.8 3.8 5.22004 23.9 26.7 29.3 20.5 37.3 29.72007 -1.2 -14.0 4.6 8.0 12.3 -1.1
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 21.0 32.3 45.4 69.1 80.0 136.81992 39.6 43.2 55.0 72.5 92.0 158.21995 41.9 46.7 59.9 81.7 102.7 153.01998 42.5 55.6 65.8 89.8 109.6 189.62001 43.1 54.2 73.6 95.1 122.0 213.42004 55.0 75.0 95.8 124.4 166.6 262.32007 67.3 68.4 102.6 138.6 183.3 287.4
Three-year change (percent)1992 88.6 33.7 21.1 4.9 15.0 15.61995 5.8 8.1 8.9 12.7 11.6 -3.31998 1.4 19.1 9.8 9.9 6.7 23.92001 1.4 -2.5 11.9 5.9 11.3 12.62004 27.6 38.4 30.2 30.8 36.6 22.92007 22.4 -8.8 7.1 11.4 10.0 9.6
10
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with home−secured debt
Percent of families with home-secured debtAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 34.9 57.9 58.3 37.0 21.7 6.31992 30.9 55.5 61.4 40.8 18.5 8.61995 33.0 54.3 61.8 45.2 24.7 6.81998 33.2 58.7 58.8 49.4 26.0 11.52001 35.7 59.6 59.8 49.0 32.0 9.52004 37.7 62.8 64.6 51.0 32.1 18.72007 37.3 59.5 65.5 55.3 42.9 13.9
Three-year change (percentage points)1992 -4.0 -2.4 3.1 3.8 -3.2 2.31995 2.1 -1.2 0.4 4.4 6.2 -1.81998 0.2 4.4 -3.0 4.2 1.3 4.72001 2.5 0.9 1.0 -0.4 6.0 -2.02004 2.0 3.2 4.8 2.0 0.1 9.22007 -0.4 -3.3 0.9 4.3 10.8 -4.8
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 70.8 64.4 41.9 32.2 14.7 11.31992 73.8 79.6 57.9 43.4 24.6 40.51995 83.8 81.1 66.2 50.0 25.7 15.81998 90.4 89.1 85.3 61.1 33.1 27.02001 90.1 93.6 87.7 64.3 45.6 52.42004 117.5 120.8 106.5 91.2 56.0 34.02007 135.3 128.0 110.0 85.0 69.0 40.0
Three-year change (percent)1992 4.2 23.6 38.2 34.8 67.3 258.41995 13.6 1.9 14.3 15.2 4.5 -61.01998 7.9 9.9 28.9 22.2 28.8 70.92001 -0.3 5.1 2.8 5.2 37.8 94.12004 30.4 29.1 21.4 41.8 22.8 -35.12007 15.1 6.0 3.3 -6.8 23.2 17.6
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 87.1 86.2 63.3 60.0 26.6 31.91992 91.9 100.6 78.3 65.1 48.5 49.71995 89.8 99.3 91.7 76.1 49.4 32.61998 95.8 109.9 106.1 92.0 65.1 46.42001 106.4 116.2 117.4 94.2 76.1 60.52004 140.0 149.3 148.3 129.8 84.4 67.72007 166.5 164.8 152.3 136.8 117.1 72.7
Three-year change (percent)1992 5.5 16.7 23.7 8.5 82.3 55.81995 -2.3 -1.3 17.1 16.9 1.9 -34.41998 6.7 10.7 15.7 20.9 31.8 42.32001 11.1 5.7 10.7 2.4 16.9 30.42004 31.6 28.5 26.3 37.8 10.9 11.92007 18.9 10.4 2.7 5.4 38.7 7.4
10
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with home−secured debt
Percent of families with home-secured debtFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 30.8 19.6 15.0 63.3 35.71992 29.0 25.9 13.6 63.7 35.51995 32.2 27.2 12.4 63.5 40.91998 29.2 25.0 18.4 67.1 43.52001 35.5 25.8 19.3 67.8 44.72004 43.7 32.8 22.2 68.4 48.22007 38.5 35.0 22.0 68.9 51.3
Three-year change (percentage points)1992 -1.8 6.3 -1.4 0.4 -0.21995 3.2 1.3 -1.2 -0.2 5.41998 -3.0 -2.2 6.0 3.6 2.62001 6.3 0.8 0.9 0.7 1.22004 8.2 7.0 2.9 0.6 3.52007 -5.2 2.2 -0.2 0.5 3.1
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 40.2 66.0 14.8 58.3 53.11992 44.9 57.9 37.6 76.7 49.11995 54.1 68.1 28.4 81.1 60.81998 57.3 72.6 50.9 89.1 72.62001 64.0 70.2 58.5 99.4 76.02004 82.0 97.7 52.7 120.8 107.62007 90.4 98.0 51.0 130.0 98.0
Three-year change (percent)1992 11.7 -12.3 154.1 31.6 -7.51995 20.5 17.6 -24.5 5.7 23.81998 5.9 6.6 79.2 9.9 19.42001 11.7 -3.3 14.9 11.6 4.72004 28.1 39.2 -9.9 21.5 41.62007 10.2 0.3 -3.2 7.6 -8.9
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 50.5 84.6 29.2 78.1 76.01992 62.6 69.7 48.1 98.5 73.21995 64.1 77.9 61.8 99.8 80.61998 80.4 85.0 65.1 109.9 95.72001 77.4 82.1 70.9 125.3 101.92004 96.2 118.3 80.5 156.3 140.12007 122.8 118.5 80.2 176.7 141.3
Three-year change (percent)1992 24.0 -17.6 64.7 26.1 -3.71995 2.4 11.8 28.5 1.3 10.11998 25.4 9.1 5.3 10.1 18.72001 -3.7 -3.4 8.9 14.0 6.52004 24.3 44.1 13.5 24.7 37.52007 27.7 0.2 -0.4 13.1 0.9
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with home−secured debt
Percent of families with home-secured debtEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 22.6 35.4 47.9 54.21992 18.4 36.5 42.5 52.91995 23.5 40.1 39.2 53.51998 21.8 39.8 46.6 54.92001 26.3 40.5 44.8 57.02004 24.8 42.2 48.7 61.32007 26.0 45.0 46.9 61.6
Three-year change (percentage points)1992 -4.2 1.1 -5.4 -1.31995 5.1 3.6 -3.3 0.61998 -1.7 -0.3 7.4 1.42001 4.5 0.7 -1.8 2.12004 -1.5 1.7 3.9 4.32007 1.2 2.8 -1.8 0.3
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 24.1 40.2 49.9 74.11992 31.8 43.4 57.9 86.81995 31.1 54.1 69.9 97.31998 34.0 55.4 89.1 99.32001 35.1 62.0 84.2 111.12004 48.3 76.9 94.5 137.32007 50.0 84.0 97.0 142.7
Three-year change (percent)1992 32.0 8.0 16.0 17.11995 -2.2 24.7 20.7 12.11998 9.3 2.4 27.5 2.12001 3.2 11.9 -5.5 11.92004 37.6 24.0 12.2 23.62007 3.5 9.2 2.6 3.9
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 40.2 53.8 70.7 100.61992 45.4 61.2 78.0 110.31995 43.8 65.2 86.2 116.91998 47.6 68.5 100.6 129.62001 51.7 74.4 98.2 145.02004 73.7 92.7 122.3 176.92007 83.2 110.2 136.0 191.3
Three-year change (percent)1992 12.9 13.8 10.3 9.61995 -3.5 6.5 10.5 6.01998 8.7 5.1 16.7 10.92001 8.6 8.6 -2.4 11.92004 42.6 24.6 24.5 22.02007 12.9 18.9 11.2 8.1
25
30
35
40
45
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with home−secured debt
Percent of families with home-secured debtRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 43.0 28.91992 42.8 27.81995 44.1 30.21998 46.8 31.02001 47.6 35.62004 51.9 37.42007 52.1 40.4
Three-year change (percentage points)1992 -0.2 -1.11995 1.3 2.41998 2.7 0.82001 0.8 4.62004 4.3 1.82007 0.2 3.0
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 54.7 43.51992 65.1 45.61995 73.0 53.51998 78.9 78.92001 87.7 70.22004 107.6 91.22007 106.0 113.0
Three-year change (percent)1992 19.0 4.81995 12.1 17.31998 8.1 47.52001 11.2 -11.02004 22.7 29.92007 -1.5 23.9
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 74.2 67.91992 85.4 78.11995 88.8 80.61998 100.5 91.02001 112.4 86.32004 139.6 124.12007 147.2 154.7
Three-year change (percent)1992 15.1 15.01995 4.0 3.21998 13.2 12.92001 11.8 -5.22004 24.2 43.82007 5.4 24.7
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with home−secured debt
Percent of families with home-secured debtCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 49.8 49.8 16.7 19.91992 48.6 58.9 16.9 20.11995 51.2 51.6 18.7 17.91998 50.8 63.1 18.7 26.42001 52.5 59.1 19.6 28.12004 56.1 59.5 24.6 30.32007 56.7 64.8 27.0 25.4
Three-year change (percentage points)1992 -1.2 9.1 0.2 0.21995 2.6 -7.3 1.8 -2.21998 -0.4 11.5 0.0 8.52001 1.7 -4.0 0.9 1.72004 3.6 0.4 5.0 2.22007 0.6 5.3 2.4 -4.9
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 58.3 56.3 17.7 20.91992 66.6 86.9 27.8 36.21995 75.7 81.1 31.1 55.41998 84.0 94.1 47.1 72.62001 86.6 117.0 36.8 84.22004 109.8 131.6 46.1 85.72007 117.0 135.0 47.1 90.0
Three-year change (percent)1992 14.2 54.4 57.1 73.21995 13.7 -6.7 11.9 53.01998 11.0 16.0 51.4 31.02001 3.1 24.3 -21.9 16.02004 26.8 12.5 25.3 1.82007 6.6 2.6 2.2 5.0
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 74.5 101.9 32.4 48.01992 83.4 117.4 42.3 77.11995 88.8 115.9 48.0 82.71998 97.1 131.8 63.4 86.22001 102.8 158.8 58.7 110.42004 137.5 183.3 74.7 125.62007 150.5 209.2 82.3 140.7
Three-year change (percent)1992 11.9 15.2 30.6 60.61995 6.5 -1.3 13.5 7.31998 9.3 13.7 32.1 4.22001 5.9 20.5 -7.4 28.12004 33.8 15.4 27.3 13.82007 9.5 14.1 10.2 12.0
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with home−secured debt
Percent of families with home-secured debtCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 61.2 43.0 46.0 17.31992 59.8 45.4 45.8 17.61995 61.0 46.3 48.3 18.61998 61.1 44.2 51.8 20.12001 63.0 45.7 50.3 21.02004 67.7 45.7 53.4 25.52007 67.6 49.7 53.6 26.7
Three-year change (percentage points)1992 -1.4 2.4 -0.2 0.31995 1.2 0.9 2.5 1.01998 0.1 -2.1 3.5 1.52001 1.9 1.5 -1.5 0.92004 4.7 0.0 3.1 4.52007 -0.1 4.0 0.2 1.2
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 77.3 51.5 45.1 18.71992 94.1 64.7 48.2 31.81995 102.5 74.4 54.1 34.51998 101.9 84.0 62.4 50.32001 113.0 80.7 66.1 51.52004 141.7 97.7 90.8 54.92007 148.0 100.9 94.0 53.0
Three-year change (percent)1992 21.7 25.6 6.9 70.11995 8.9 15.0 12.2 8.51998 -0.6 12.9 15.3 45.82001 10.9 -3.9 5.9 2.42004 25.4 21.1 37.4 6.62007 4.4 3.3 3.5 -3.5
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 103.8 70.9 56.6 36.11992 116.0 77.7 67.2 51.71995 123.8 86.5 67.4 54.81998 132.5 98.7 74.6 69.62001 148.7 94.9 74.6 70.02004 183.7 120.8 103.4 84.12007 194.0 145.7 118.9 91.0
Three-year change (percent)1992 11.8 9.6 18.7 43.21995 6.7 11.3 0.3 6.01998 7.0 14.1 10.7 27.02001 12.2 -3.9 0.0 0.62004 23.5 27.3 38.6 20.12007 5.6 20.6 15.0 8.2
35
40
45
50
55
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with home−secured debt
Percent of families with home-secured debtRegion
Year Northeast Midwest South WestLevel (percent)
1989 37.8 40.2 37.4 43.91992 42.0 39.7 36.7 39.61995 37.3 44.9 39.5 42.41998 45.5 45.5 40.3 43.02001 38.1 50.9 46.6 40.42004 47.4 51.9 45.2 48.72007 48.4 51.0 46.6 49.9
Three-year change (percentage points)1992 4.2 -0.5 -0.7 -4.31995 -4.7 5.2 2.8 2.81998 8.2 0.6 0.8 0.62001 -7.4 5.4 6.3 -2.62004 9.3 1.0 -1.4 8.32007 1.0 -0.9 1.4 1.2
40
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 54.7 40.2 42.7 75.71992 72.4 52.1 50.6 79.81995 87.9 59.2 55.8 102.71998 76.4 66.2 73.8 113.32001 91.2 73.1 70.2 117.02004 122.5 94.5 86.8 140.72007 107.0 93.9 99.0 150.8
Three-year change (percent)1992 32.4 29.6 18.5 5.41995 21.4 13.6 10.3 28.71998 -13.1 11.8 32.3 10.32001 19.4 10.4 -4.9 3.32004 34.3 29.3 23.6 20.32007 -12.7 -0.6 14.1 7.2
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 87.8 54.0 58.2 102.11992 87.0 73.9 68.6 116.91995 100.0 70.1 73.6 119.21998 97.5 80.8 89.3 136.92001 117.8 89.0 89.0 157.92004 150.4 114.4 114.6 182.12007 152.2 117.3 131.5 207.0
Three-year change (percent)1992 -0.9 36.9 17.9 14.51995 14.9 -5.1 7.3 2.01998 -2.5 15.3 21.3 14.82001 20.8 10.1 -0.3 15.32004 27.7 28.5 28.8 15.32007 1.2 2.5 14.7 13.7
30
35
40
45
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with home−secured debt
Percent of families with home-secured debtUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 41.0 33.01992 41.2 29.91995 41.9 35.81998 44.1 37.52001 45.5 39.42004 49.0 42.52007 49.7 43.5
Three-year change (percentage points)1992 0.2 -3.11995 0.7 5.91998 2.2 1.72001 1.4 1.92004 3.5 3.12007 0.7 1.0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 56.7 29.81992 69.5 36.61995 78.4 31.11998 85.3 40.72001 89.5 56.12004 115.3 54.92007 118.2 60.7
Three-year change (percent)1992 22.6 22.81995 12.8 -15.01998 8.8 30.92001 4.9 37.82004 28.8 -2.12007 2.5 10.6
40
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 78.8 42.21992 90.5 45.01995 93.4 47.31998 105.2 56.62001 113.2 64.32004 148.7 67.02007 161.5 79.9
Three-year change (percent)1992 14.8 6.61995 3.2 5.11998 12.6 19.72001 7.6 13.62004 31.4 4.22007 8.6 19.3
0
20
40
60
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with home−secured debt
Percent of families with home-secured debtHousing status
Year Owner Renter or otherLevel (percent)
1989 61.8 0.01992 61.2 0.01995 63.3 0.01998 65.1 0.02001 66.0 0.02004 69.4 0.02007 70.9 0.0
Three-year change (percentage points)1992 -0.6 0.01995 2.1 0.01998 1.8 0.02001 0.9 0.02004 3.4 0.02007 1.5 0.0
50
60
70
80
90
100
110
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 51.5 .1992 62.2 .1995 69.1 .1998 78.9 .2001 81.9 .2004 104.3 .2007 107.0 .
Three-year change (percent)1992 20.8 .1995 11.1 .1998 14.2 .2001 3.8 .2004 27.4 .2007 2.6 .
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 73.0 .1992 84.1 .1995 87.5 .1998 99.0 .2001 107.3 .2004 136.2 .2007 149.0 .
Three-year change (percent)1992 15.2 .1995 4.0 .1998 13.1 .2001 8.4 .2004 26.9 .2007 9.4 .
0
20
40
60
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with home−secured debt
Percent of families with home-secured debtPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 5.3 39.7 57.7 60.1 47.81992 7.9 42.8 52.8 51.1 55.61995 9.4 47.6 55.5 49.3 54.61998 11.2 47.4 56.2 56.8 59.12001 11.1 49.6 59.3 60.9 55.02004 12.3 52.8 66.1 61.6 58.52007 11.0 56.2 64.3 63.7 62.3
Three-year change (percentage points)1992 2.6 3.1 -4.9 -9.0 7.81995 1.5 4.8 2.7 -1.8 -1.01998 1.8 -0.2 0.7 7.5 4.52001 -0.1 2.2 3.1 4.1 -4.12004 1.2 3.2 6.8 0.7 3.52007 -1.3 3.4 -1.8 2.1 3.8
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of home−secured debt for families with holdings
Median value of home-secured debt for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 59.6 46.2 49.9 61.2 74.11992 43.4 49.9 63.7 65.1 101.31995 64.5 60.8 71.1 67.6 101.41998 71.9 70.0 75.1 89.1 127.32001 66.7 66.7 78.4 101.8 157.92004 78.0 82.4 106.5 126.3 204.32007 107.0 84.2 104.0 128.0 180.0
Three-year change (percent)1992 -27.2 8.0 27.7 6.4 36.71995 48.6 21.8 11.6 3.8 0.11998 11.5 15.1 5.6 31.8 25.52001 -7.2 -4.7 4.4 14.3 24.02004 16.9 23.5 35.8 24.1 29.42007 37.2 2.2 -2.3 1.3 -11.9
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of home−secured debt for families with holdings
Mean value of home-secured debt for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 73.2 50.7 65.9 79.0 129.41992 51.1 62.0 77.3 91.0 145.11995 74.4 70.2 84.3 86.5 140.01998 78.3 75.8 85.9 107.7 173.72001 69.3 75.1 93.3 120.9 213.82004 83.7 93.0 127.2 152.0 262.12007 129.0 105.9 130.4 160.5 285.6
Three-year change (percent)1992 -30.2 22.3 17.3 15.2 12.11995 45.6 13.2 9.1 -4.9 -3.51998 5.2 8.0 1.9 24.5 24.12001 -11.5 -0.9 8.6 12.3 23.12004 20.8 23.8 36.3 25.7 22.62007 54.1 13.9 2.5 5.6 9.0
38
40
42
44
46
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all families
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansYear All families
Level (percent)1989 38.61992 38.51995 40.41998 42.02001 43.42004 45.92007 46.3
Three-year change (percentage points)1992 -0.11995 1.91998 1.62001 1.42004 2.52007 0.4
50
60
70
80
90
100
110
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 49.91992 59.51995 68.91998 78.92001 84.22004 105.42007 110.0
Three-year change (percent)1992 19.21995 15.81998 14.52001 6.72004 25.22007 4.4
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 70.91992 82.21995 87.01998 99.12001 107.02004 133.92007 149.5
Three-year change (percent)1992 15.91995 5.81998 13.92001 8.02004 25.12007 11.7
0
20
40
60
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 7.5 22.2 37.3 55.5 69.5 71.51992 10.4 20.7 35.4 56.2 66.1 73.21995 10.4 25.2 37.7 58.2 68.3 72.41998 10.8 22.4 42.5 62.4 72.4 71.12001 12.8 25.9 43.1 60.5 74.6 74.62004 14.6 28.9 50.0 62.9 74.0 72.72007 13.7 26.2 48.8 67.8 77.0 72.4
Three-year change (percentage points)1992 2.9 -1.5 -1.9 0.7 -3.4 1.71995 0.0 4.5 2.3 2.0 2.2 -0.81998 0.4 -2.8 4.8 4.2 4.1 -1.32001 2.0 3.5 0.6 -1.9 2.2 3.52004 1.8 3.0 6.9 2.4 -0.6 -1.92007 -0.9 -2.7 -1.2 4.9 3.0 -0.3
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 11.3 20.8 33.8 59.6 66.0 96.61992 21.2 29.3 43.4 63.7 79.8 115.81995 25.0 37.9 50.0 77.1 90.6 121.71998 33.1 48.4 54.7 82.8 99.3 149.62001 35.0 49.1 66.7 88.9 105.3 156.72004 40.7 58.2 85.7 106.5 142.8 202.12007 43.0 58.0 89.5 115.0 164.0 200.0
Three-year change (percent)1992 87.6 40.9 28.4 6.9 20.9 19.91995 17.9 29.4 15.2 21.0 13.5 5.11998 32.4 27.7 9.4 7.4 9.6 22.92001 5.7 1.4 21.9 7.4 6.0 4.72004 16.3 18.5 28.5 19.8 35.6 29.02007 5.7 -0.3 4.4 8.0 14.8 -1.0
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 21.2 32.2 44.9 67.3 78.0 130.91992 39.6 43.8 53.2 71.9 90.3 152.31995 41.8 47.4 59.9 81.8 102.3 150.01998 43.4 57.0 66.0 89.5 109.0 189.02001 45.3 55.2 74.4 95.4 121.5 206.22004 57.7 74.2 94.2 124.2 164.7 251.62007 70.5 72.8 104.1 136.7 183.3 284.3
Three-year change (percent)1992 86.8 36.0 18.5 6.8 15.8 16.31995 5.6 8.2 12.6 13.8 13.3 -1.51998 3.8 20.3 10.2 9.4 6.5 26.02001 4.4 -3.2 12.7 6.6 11.5 9.12004 27.4 34.4 26.6 30.2 35.6 22.02007 22.2 -1.9 10.5 10.1 11.3 13.0
0
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 34.9 57.5 56.9 34.1 20.6 5.81992 30.9 55.4 59.4 39.9 17.2 8.61995 32.9 54.0 61.1 44.1 23.9 4.91998 32.9 58.1 57.6 47.1 24.7 9.12001 35.6 58.7 58.7 45.3 30.2 8.42004 37.7 62.2 62.5 46.3 29.1 15.72007 37.1 59.3 63.8 50.2 35.5 11.0
Three-year change (percentage points)1992 -4.0 -2.1 2.5 5.8 -3.4 2.81995 2.0 -1.4 1.7 4.2 6.7 -3.71998 0.0 4.1 -3.5 3.0 0.8 4.22001 2.7 0.6 1.1 -1.8 5.5 -0.72004 2.1 3.5 3.8 1.0 -1.1 7.32007 -0.6 -2.9 1.3 3.9 6.4 -4.7
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 70.8 62.0 39.6 32.2 14.8 17.71992 73.5 75.2 53.5 40.5 24.6 40.51995 83.8 81.1 66.2 50.0 25.7 10.01998 90.4 89.1 84.0 63.7 35.4 31.82001 90.1 93.6 87.7 69.0 50.3 52.62004 110.9 120.8 104.3 93.4 62.9 43.82007 133.0 125.0 107.0 90.0 84.7 50.0
Three-year change (percent)1992 3.8 21.3 35.1 25.8 66.2 128.81995 14.0 7.8 23.7 23.5 4.5 -75.31998 7.9 9.9 26.9 27.4 37.7 218.02001 -0.3 5.1 4.4 8.3 42.1 65.42004 23.1 29.1 18.9 35.4 25.0 -16.72007 19.9 3.5 2.6 -3.6 34.7 14.2
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 86.2 83.9 59.0 55.3 25.9 33.91992 90.7 98.5 76.9 60.4 44.4 49.71995 89.4 98.4 90.4 75.6 49.7 33.61998 96.1 109.0 105.3 92.1 66.4 48.72001 105.1 116.1 114.4 96.8 76.9 65.92004 136.2 144.7 143.8 128.5 85.4 73.12007 163.0 160.4 148.4 140.2 133.5 80.1
Three-year change (percent)1992 5.2 17.4 30.3 9.2 71.4 46.61995 -1.4 -0.1 17.6 25.2 11.9 -32.41998 7.5 10.8 16.5 21.8 33.6 44.92001 9.4 6.5 8.6 5.1 15.8 35.32004 29.6 24.6 25.7 32.7 11.1 10.92007 19.7 10.9 3.2 9.1 56.3 9.6
10
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 30.8 19.5 13.6 62.2 34.51992 28.3 25.3 13.3 63.2 34.41995 32.0 27.2 12.0 63.0 39.51998 28.9 24.7 16.7 65.5 42.42001 34.1 24.9 18.4 67.0 42.62004 41.3 32.6 20.0 66.5 45.52007 37.0 34.4 19.8 67.8 45.9
Three-year change (percentage points)1992 -2.5 5.8 -0.3 1.0 -0.11995 3.7 1.9 -1.3 -0.2 5.11998 -3.1 -2.5 4.7 2.5 2.92001 5.2 0.2 1.7 1.5 0.22004 7.2 7.7 1.6 -0.5 2.92007 -4.3 1.8 -0.2 1.3 0.4
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 39.6 66.0 11.3 56.3 53.11992 43.8 57.9 36.2 71.6 46.31995 54.1 68.9 25.7 79.8 60.81998 57.3 71.3 56.1 89.1 72.62001 67.8 71.6 58.5 98.2 78.42004 82.6 97.7 54.9 120.3 107.62007 93.9 98.5 58.0 129.0 105.0
Three-year change (percent)1992 10.6 -12.3 220.4 27.2 -12.81995 23.5 19.0 -29.0 11.5 31.31998 5.9 3.5 118.3 11.7 19.42001 18.3 0.4 4.3 10.2 8.02004 21.8 36.5 -6.2 22.5 37.22007 13.7 0.8 5.6 7.2 -2.4
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 49.8 84.2 27.5 74.8 75.31992 62.3 69.5 46.6 96.2 70.01995 64.0 77.1 61.3 98.6 81.51998 79.4 84.8 69.0 109.7 95.92001 79.2 82.9 72.8 122.8 103.12004 95.6 115.4 73.4 151.9 140.62007 122.4 116.3 84.3 171.7 149.5
Three-year change (percent)1992 25.1 -17.5 69.5 28.6 -7.01995 2.7 10.9 31.5 2.5 16.41998 24.1 10.0 12.6 11.3 17.72001 -0.3 -2.2 5.5 11.9 7.52004 20.7 39.2 0.8 23.7 36.42007 28.0 0.8 14.9 13.0 6.3
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 21.8 34.6 47.0 53.11992 18.1 36.4 40.8 52.11995 23.3 39.2 39.2 52.61998 20.4 38.5 46.4 53.62001 24.9 38.9 44.0 56.02004 22.5 40.4 47.2 59.12007 24.5 42.4 44.2 59.3
Three-year change (percentage points)1992 -3.7 1.8 -6.2 -1.01995 5.2 2.8 -1.6 0.51998 -2.9 -0.7 7.2 1.02001 4.5 0.4 -2.4 2.42004 -2.4 1.5 3.2 3.12007 2.0 2.0 -3.0 0.2
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 24.1 38.6 48.3 72.41992 31.8 42.6 56.4 85.41995 31.1 54.1 68.9 97.31998 36.3 56.0 89.1 99.32001 36.3 63.2 84.2 108.82004 51.9 76.9 93.4 134.52007 57.5 86.0 100.0 138.0
Three-year change (percent)1992 32.0 10.4 16.8 18.01995 -2.2 27.0 22.2 13.91998 16.7 3.5 29.3 2.12001 0.0 12.9 -5.5 9.62004 43.0 21.7 10.9 23.62007 10.8 11.8 7.1 2.6
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 40.4 51.1 66.9 98.61992 45.0 59.5 77.5 107.41995 43.8 64.9 85.2 116.51998 48.7 69.0 99.6 129.12001 53.6 75.5 97.7 142.52004 72.5 92.7 120.3 172.02007 85.9 112.0 139.4 188.4
Three-year change (percent)1992 11.4 16.4 15.8 8.91995 -2.7 9.1 9.9 8.51998 11.2 6.3 16.9 10.82001 10.1 9.4 -1.9 10.42004 35.3 22.8 23.1 20.72007 18.5 20.8 15.9 9.5
25
30
35
40
45
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 42.0 28.61992 42.1 27.31995 43.3 30.21998 45.5 30.32001 46.1 35.12004 49.7 36.32007 49.2 39.2
Three-year change (percentage points)1992 0.1 -1.31995 1.2 2.91998 2.2 0.12001 0.6 4.82004 3.6 1.22007 -0.5 2.9
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 53.1 43.51992 62.2 46.31995 73.0 53.31998 78.9 81.52001 87.7 70.22004 107.6 92.32007 109.0 113.0
Three-year change (percent)1992 17.1 6.41995 17.4 15.11998 8.1 52.92001 11.2 -13.92004 22.7 31.52007 1.3 22.4
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 71.7 67.01992 83.0 78.41995 88.5 79.61998 100.7 91.32001 112.1 86.52004 136.4 124.82007 148.1 153.8
Three-year change (percent)1992 15.8 17.01995 6.6 1.51998 13.8 14.72001 11.3 -5.32004 21.7 44.32007 8.6 23.2
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 48.8 49.5 15.8 19.01992 47.9 58.0 16.2 20.11995 50.8 51.0 17.5 17.41998 49.8 61.2 17.4 26.42001 51.5 56.9 18.1 28.12004 54.8 57.1 21.2 28.62007 55.2 61.5 22.3 25.4
Three-year change (percentage points)1992 -0.9 8.5 0.4 1.11995 2.9 -7.0 1.3 -2.71998 -1.0 10.2 -0.1 9.02001 1.7 -4.3 0.7 1.72004 3.3 0.2 3.1 0.52007 0.4 4.4 1.1 -3.2
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 57.8 49.9 17.7 20.91992 65.1 86.8 25.2 34.01995 74.4 79.8 33.7 60.81998 84.0 94.2 47.1 72.62001 86.6 117.0 40.9 84.22004 108.8 129.4 48.3 93.42007 116.0 140.0 58.0 82.0
Three-year change (percent)1992 12.6 73.9 42.4 62.71995 14.3 -8.1 33.7 78.81998 12.9 18.0 39.8 19.42001 3.1 24.2 -13.2 16.02004 25.6 10.6 18.1 10.92007 6.6 8.2 20.1 -12.2
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 72.6 95.7 31.1 50.31992 81.9 113.7 39.8 73.91995 87.8 115.1 49.2 83.41998 97.1 132.1 63.7 85.62001 102.2 157.2 61.7 110.02004 134.5 174.2 76.2 131.82007 148.6 207.4 92.2 131.1
Three-year change (percent)1992 12.8 18.8 28.0 46.91995 7.2 1.2 23.6 12.91998 10.6 14.8 29.5 2.62001 5.3 19.0 -3.1 28.52004 31.6 10.8 23.5 19.82007 10.5 19.1 21.0 -0.5
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 60.1 42.1 45.2 16.51992 58.7 44.7 45.5 17.11995 60.5 46.0 47.9 17.51998 60.1 43.5 50.2 19.02001 61.7 45.0 48.6 19.72004 66.1 44.3 51.9 22.42007 65.8 47.7 52.2 22.8
Three-year change (percentage points)1992 -1.4 2.6 0.3 0.61995 1.8 1.3 2.4 0.41998 -0.4 -2.5 2.3 1.52001 1.6 1.5 -1.6 0.72004 4.4 -0.7 3.3 2.72007 -0.3 3.4 0.3 0.4
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 70.8 51.5 43.5 19.31992 91.1 63.7 46.3 30.41995 101.4 73.7 54.1 35.01998 101.9 84.0 64.9 49.92001 113.2 81.9 66.7 52.62004 139.5 97.7 87.9 60.32007 140.0 100.0 95.0 69.0
Three-year change (percent)1992 28.7 23.7 6.4 57.51995 11.3 15.7 16.8 15.11998 0.5 14.0 20.0 42.62001 11.1 -2.5 2.8 5.42004 23.2 19.3 31.8 14.62007 0.4 2.4 8.1 14.4
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 100.5 68.3 54.8 35.71992 113.1 76.6 66.0 49.21995 121.9 86.0 67.0 56.11998 131.2 98.5 75.6 70.02001 146.6 93.4 75.6 73.02004 175.6 119.3 103.1 87.22007 188.9 147.0 118.3 99.0
Three-year change (percent)1992 12.5 12.2 20.4 37.81995 7.8 12.3 1.5 14.01998 7.6 14.5 12.8 24.82001 11.7 -5.2 0.0 4.32004 19.8 27.7 36.4 19.52007 7.6 23.2 14.7 13.5
35
40
45
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansRegion
Year Northeast Midwest South WestLevel (percent)
1989 36.0 39.3 36.6 43.71992 40.9 38.9 36.2 39.41995 36.4 44.2 38.9 42.11998 43.1 44.3 39.4 42.72001 35.6 48.7 45.9 40.42004 44.4 49.5 43.4 47.82007 45.6 48.2 44.6 47.6
Three-year change (percentage points)1992 4.9 -0.4 -0.4 -4.31995 -4.5 5.3 2.7 2.71998 6.7 0.1 0.5 0.62001 -7.5 4.4 6.5 -2.32004 8.8 0.8 -2.5 7.42007 1.2 -1.3 1.2 -0.2
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 53.1 37.2 42.7 74.11992 71.6 50.6 49.9 74.71995 85.2 58.1 56.8 102.61998 77.7 66.2 73.8 113.32001 94.7 73.7 69.0 117.02004 120.8 94.5 87.9 138.42007 110.0 94.9 100.0 148.1
Three-year change (percent)1992 34.8 36.0 16.9 0.81995 19.0 14.8 13.8 37.31998 -8.8 13.9 29.9 10.42001 21.9 11.3 -6.5 3.32004 27.6 28.2 27.4 18.32007 -8.9 0.4 13.8 7.0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 84.2 51.9 57.2 99.31992 85.5 71.2 67.3 114.11995 100.0 69.0 73.6 118.61998 98.9 79.9 89.3 136.52001 120.7 89.2 87.8 155.42004 146.6 111.0 114.7 177.32007 150.9 119.1 133.8 204.7
Three-year change (percent)1992 1.5 37.2 17.7 14.91995 17.0 -3.1 9.4 3.91998 -1.1 15.8 21.3 15.12001 22.0 11.6 -1.7 13.82004 21.5 24.4 30.6 14.12007 2.9 7.3 16.7 15.5
30
35
40
45
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 40.1 32.41992 40.6 29.11995 41.3 35.21998 43.1 35.72001 44.3 37.92004 46.9 41.12007 47.3 41.0
Three-year change (percentage points)1992 0.5 -3.31995 0.7 6.11998 1.8 0.52001 1.2 2.22004 2.6 3.22007 0.4 -0.1
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 56.3 29.81992 66.6 38.31995 77.1 31.11998 85.3 40.72001 90.1 56.12004 114.5 54.92007 119.0 62.0
Three-year change (percent)1992 18.3 28.51995 15.8 -18.81998 10.6 30.92001 5.6 37.82004 27.1 -2.12007 3.9 12.9
40
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 76.3 42.01992 88.2 45.21995 92.8 47.51998 105.1 56.82001 112.9 64.42004 146.0 67.02007 161.7 81.3
Three-year change (percent)1992 15.6 7.61995 5.2 5.11998 13.3 19.62001 7.4 13.42004 29.3 4.02007 10.8 21.3
0
20
40
60
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansHousing status
Year Owner Renter or otherLevel (percent)
1989 60.4 0.01992 60.2 0.01995 62.4 0.01998 63.4 0.02001 64.1 0.02004 66.5 0.02007 67.4 0.0
Three-year change (percentage points)1992 -0.2 0.01995 2.2 0.01998 1.0 0.02001 0.7 0.02004 2.4 0.02007 0.9 0.0
50
60
70
80
90
100
110
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 49.9 .1992 59.5 .1995 68.9 .1998 78.9 .2001 84.2 .2004 105.4 .2007 110.0 .
Three-year change (percent)1992 19.2 .1995 15.8 .1998 14.5 .2001 6.7 .2004 25.2 .2007 4.4 .
60
80
100
120
140
160
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 70.9 .1992 82.2 .1995 87.0 .1998 99.1 .2001 107.0 .2004 133.9 .2007 149.5 .
Three-year change (percent)1992 15.9 .1995 5.8 .1998 13.9 .2001 8.0 .2004 25.1 .2007 11.7 .
0
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Percent of families with mortgagesor home−equity loans
Percent of families with mortgages or home-equity loansPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 5.3 39.7 56.3 58.3 45.41992 7.9 42.3 52.4 49.7 53.51995 9.4 47.4 54.8 47.7 52.91998 11.2 46.5 54.1 55.8 56.32001 11.0 48.8 58.0 57.7 52.72004 11.7 52.1 64.4 57.3 53.02007 11.0 54.8 60.9 59.5 56.6
Three-year change (percentage points)1992 2.6 2.6 -3.9 -8.6 8.11995 1.5 5.1 2.4 -2.0 -0.61998 1.8 -0.9 -0.7 8.1 3.42001 -0.2 2.3 3.9 1.9 -3.62004 0.7 3.3 6.4 -0.4 0.32007 -0.7 2.7 -3.5 2.2 3.6
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Median value of mortgages or home−equityloans for families with holdings
Median value of mortgages or home-equity loans for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 59.6 45.1 48.3 51.5 74.11992 43.4 49.9 62.2 62.2 98.31995 64.5 60.8 71.1 68.4 101.41998 71.9 70.0 76.4 89.1 127.32001 66.7 67.6 80.7 105.3 163.72004 82.4 82.4 106.5 128.5 205.42007 107.0 85.0 109.0 122.1 197.3
Three-year change (percent)1992 -27.2 10.6 28.8 20.8 32.71995 48.6 21.8 14.3 10.0 3.21998 11.5 15.1 7.5 30.3 25.52001 -7.2 -3.4 5.6 18.2 28.62004 23.5 21.9 32.0 22.0 25.52007 29.9 3.2 2.3 -5.0 -3.9
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Mean value of mortgages or home−equityloans for families with holdings
Mean value of mortgages or home-equity loans for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 67.7 50.4 64.4 76.3 125.91992 51.1 61.8 76.0 88.8 139.91995 73.4 70.0 84.1 87.1 138.81998 77.9 75.7 87.0 106.2 176.52001 68.5 75.3 93.8 122.7 211.02004 86.3 92.0 125.7 152.4 257.42007 126.3 106.5 131.9 160.5 294.7
Three-year change (percent)1992 -24.5 22.6 18.0 16.4 11.11995 43.6 13.3 10.7 -1.9 -0.81998 6.1 8.1 3.4 21.9 27.22001 -12.1 -0.5 7.8 15.5 19.52004 26.0 22.2 34.0 24.2 22.02007 46.3 15.8 4.9 5.3 14.5
3
4
5
6
7
8
9
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all families
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditYear All families
Level (percent)1989 3.11992 4.31995 2.91998 4.52001 4.82004 8.62007 8.5
Three-year change (percentage points)1992 1.21995 -1.41998 1.62001 0.32004 3.82007 -0.1
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 29.01992 17.41995 16.21998 16.62001 17.52004 24.22007 24.0
Three-year change (percent)1992 -40.01995 -6.91998 2.52001 5.42004 38.32007 -0.8
25
30
35
40
45
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 47.01992 29.71995 24.21998 23.82001 30.52004 43.72007 39.2
Three-year change (percent)1992 -36.81995 -18.51998 -1.72001 28.22004 43.32007 -10.3
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 0.1 1.2 2.4 4.1 3.8 11.91992 0.0 0.6 3.7 5.2 8.5 15.31995 0.0 0.8 1.4 4.6 6.9 8.11998 0.5 2.7 3.3 5.6 9.8 10.72001 1.0 2.5 3.0 6.6 11.5 10.12004 1.3 2.5 7.1 13.2 17.4 20.02007 1.9 5.6 6.9 11.1 14.2 20.0
Three-year change (percentage points)1992 -0.1 -0.6 1.3 1.1 4.7 3.41995 0.0 0.2 -2.3 -0.6 -1.6 -7.21998 0.5 1.9 1.9 1.0 2.9 2.62001 0.5 -0.2 -0.3 1.0 1.7 -0.62004 0.3 0.0 4.1 6.6 5.9 9.92007 0.6 3.1 -0.2 -2.1 -3.2 0.0
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 0.0 40.2 12.9 24.1 43.5 35.41992 57.9 17.4 14.5 13.0 20.3 28.91995 81.1 2.7 20.3 13.5 23.0 25.71998 9.5 16.6 15.3 15.3 12.7 28.02001 9.4 12.9 14.0 11.7 18.7 30.42004 22.0 21.4 15.9 20.9 22.0 43.92007 10.5 15.0 15.0 20.0 30.0 48.0
Three-year change (percent)1992 . -56.7 12.4 -46.1 -53.3 -18.41995 40.1 -84.5 40.0 3.8 13.3 -11.11998 -88.3 514.8 -24.6 13.3 -44.8 8.92001 -1.1 -22.3 -8.5 -23.5 47.2 8.62004 134.0 65.9 13.6 78.6 17.6 44.42007 -52.3 -29.9 -5.7 -4.3 36.4 9.3
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 0.0 35.2 18.4 39.7 46.1 67.01992 57.9 21.2 25.8 15.9 26.1 43.61995 67.8 12.7 21.6 14.3 26.7 36.01998 16.7 19.1 20.4 20.8 17.9 37.62001 15.1 15.5 19.1 16.0 27.3 70.12004 25.9 30.3 32.3 28.7 35.0 85.02007 19.2 19.5 15.3 34.9 48.5 68.8
Three-year change (percent)1992 . -39.8 40.2 -59.9 -43.4 -34.91995 17.1 -40.1 -16.3 -10.1 2.3 -17.41998 -75.4 50.4 -5.6 45.5 -33.0 4.42001 -9.6 -18.8 -6.4 -23.1 52.5 86.42004 71.5 95.5 69.1 79.4 28.2 21.32007 -25.9 -35.6 -52.6 21.6 38.6 -19.1
0
5
10
15
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 0.8 4.4 6.2 5.8 1.3 0.51992 1.1 5.5 8.3 7.4 3.4 0.01995 1.4 3.4 5.1 3.7 1.6 1.91998 1.4 5.3 7.9 6.5 2.0 3.12001 2.9 4.8 7.2 7.2 4.4 1.12004 3.5 10.5 13.1 11.7 6.4 4.02007 4.0 8.8 11.7 12.6 9.6 3.4
Three-year change (percentage points)1992 0.3 1.1 2.1 1.6 2.1 -0.51995 0.3 -2.1 -3.2 -3.7 -1.8 1.91998 0.0 1.9 2.8 2.8 0.4 1.22001 1.5 -0.5 -0.7 0.7 2.4 -2.02004 0.6 5.7 5.9 4.5 2.0 2.92007 0.5 -1.7 -1.4 0.9 3.2 -0.6
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 30.5 24.1 33.8 30.6 11.3 0.01992 13.0 14.5 20.3 14.5 23.4 46.41995 8.8 13.8 23.0 10.1 18.9 39.21998 12.7 12.7 16.6 20.4 19.2 15.32001 15.2 18.7 19.9 11.7 17.5 15.82004 32.9 26.4 22.0 24.7 16.5 16.52007 24.0 20.0 25.0 20.0 15.0 25.0
Three-year change (percent)1992 -57.4 -39.8 -39.9 -52.6 107.1 .1995 -32.3 -4.8 13.3 -30.3 -19.2 -15.51998 44.3 -8.0 -27.8 102.0 1.6 -61.02001 19.7 47.2 19.9 -42.6 -8.9 3.32004 116.4 41.2 10.6 111.1 -5.7 4.42007 -27.1 -24.2 13.6 -19.0 -9.1 51.5
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 35.8 38.8 53.2 57.4 34.3 9.01992 37.5 21.8 29.7 33.2 39.8 50.21995 11.8 23.0 26.9 29.3 20.0 29.71998 13.0 21.7 22.4 31.5 25.2 29.02001 21.0 22.1 41.9 32.0 27.1 18.22004 39.8 36.7 46.1 57.0 35.3 29.42007 39.5 33.6 44.1 42.6 29.7 39.3
Three-year change (percent)1992 4.7 -43.8 -44.2 -42.2 16.0 457.81995 -68.5 5.5 -9.4 -11.7 -49.7 -40.81998 10.2 -5.7 -16.7 7.5 26.0 -2.42001 61.5 1.8 87.1 1.6 7.5 -37.22004 89.5 66.1 10.0 78.1 30.3 61.52007 -0.8 -8.4 -4.3 -25.3 -15.9 33.7
0
5
10
15
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 0.8 0.7 1.9 5.5 2.91992 1.3 0.8 1.4 7.0 6.21995 0.9 1.7 0.7 4.7 3.41998 2.7 1.6 2.5 7.4 4.42001 2.0 2.9 0.9 7.3 5.92004 5.6 4.6 4.1 13.6 8.72007 6.4 6.0 4.0 11.0 10.4
Three-year change (percentage points)1992 0.5 0.1 -0.5 1.5 3.31995 -0.4 0.9 -0.7 -2.3 -2.81998 1.8 -0.1 1.8 2.7 1.02001 -0.7 1.3 -1.6 -0.1 1.52004 3.6 1.7 3.2 6.3 2.82007 0.8 1.4 -0.1 -2.6 1.7
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 40.2 25.8 29.0 30.6 30.51992 13.0 26.0 11.6 17.4 20.31995 14.0 13.5 54.1 20.3 15.01998 19.1 12.7 15.3 19.2 12.72001 14.0 17.5 22.2 21.1 11.72004 26.4 19.1 18.7 27.5 20.92007 18.0 20.0 15.0 33.0 24.0
Three-year change (percent)1992 -67.7 0.8 -60.0 -43.1 -33.41995 7.7 -48.1 366.4 16.7 -26.11998 36.4 -5.9 -71.7 -5.4 -15.32001 -26.7 37.8 45.1 9.9 -7.92004 88.6 9.1 -15.8 30.3 78.62007 -31.8 4.7 -19.8 20.0 14.8
20
30
40
50
60
70
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 25.8 28.4 34.6 53.0 40.01992 39.0 55.6 25.1 27.7 30.41995 21.4 15.7 47.5 26.0 21.81998 19.2 20.6 19.2 25.6 23.52001 21.0 18.9 32.8 36.7 26.32004 44.7 26.1 76.1 43.2 41.22007 30.9 23.8 23.7 49.4 36.8
Three-year change (percent)1992 51.2 95.8 -27.5 -47.7 -24.01995 -45.1 -71.8 89.2 -6.1 -28.31998 -10.3 31.2 -59.6 -1.5 7.82001 9.4 -8.3 70.8 43.4 11.92004 112.9 38.1 132.0 17.7 56.72007 -30.9 -8.8 -68.9 14.4 -10.7
0
5
10
15
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 0.8 3.2 3.9 4.61992 0.6 2.4 5.3 7.81995 0.4 2.5 2.1 5.21998 1.9 3.5 3.5 7.22001 2.1 4.0 3.7 7.32004 3.0 6.4 7.3 13.22007 3.1 7.6 7.6 12.0
Three-year change (percentage points)1992 -0.2 -0.8 1.4 3.21995 -0.2 0.1 -3.2 -2.61998 1.5 1.0 1.4 2.02001 0.2 0.5 0.2 0.12004 0.9 2.4 3.6 5.92007 0.1 1.2 0.3 -1.2
10
15
20
25
30
35
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 8.0 29.0 40.2 25.81992 27.5 17.4 14.5 17.61995 23.0 16.2 16.2 15.81998 19.2 18.5 9.5 16.62001 8.2 14.0 22.2 18.72004 22.0 17.6 26.4 27.52007 20.0 18.0 19.5 30.0
Three-year change (percent)1992 243.8 -40.0 -63.9 -31.81995 -16.4 -6.9 11.7 -10.21998 -16.5 14.2 -41.4 5.12001 -57.3 -24.3 133.7 12.72004 168.3 25.7 18.9 47.12007 -9.1 2.3 -26.1 9.1
10
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 31.1 43.2 61.7 45.51992 29.7 27.8 28.3 30.81995 24.6 26.6 20.6 23.81998 25.0 19.3 19.4 27.02001 12.6 17.9 28.2 40.02004 65.0 25.2 37.2 51.12007 19.6 28.8 28.6 50.8
Three-year change (percent)1992 -4.5 -35.6 -54.1 -32.31995 -17.2 -4.3 -27.2 -22.71998 1.6 -27.4 -5.8 13.42001 -49.6 -7.3 45.4 48.12004 415.9 40.8 31.9 27.82007 -69.8 14.3 -23.1 -0.6
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 3.8 1.21992 5.2 1.41995 3.3 1.41998 5.0 2.62001 5.7 1.92004 10.5 3.62007 9.8 5.5
Three-year change (percentage points)1992 1.4 0.21995 -1.9 0.01998 1.7 1.22001 0.7 -0.72004 4.8 1.72007 -0.7 1.9
10
15
20
25
30
35
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 28.2 40.21992 17.4 17.41995 16.6 13.51998 16.6 16.32001 17.5 8.22004 24.2 22.02007 20.0 30.0
Three-year change (percent)1992 -38.3 -56.71995 -4.6 -22.41998 0.0 20.72001 5.4 -49.72004 38.3 168.32007 -17.4 36.4
20
25
30
35
40
45
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 47.8 39.91992 30.2 24.41995 24.6 20.41998 24.0 22.72001 31.7 19.52004 45.4 31.02007 38.9 40.4
Three-year change (percent)1992 -36.8 -38.81995 -18.5 -16.41998 -2.4 11.32001 32.1 -14.12004 43.2 59.02007 -14.3 30.3
0
5
10
15
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 4.2 3.9 1.0 1.01992 4.9 7.7 2.6 1.21995 3.4 4.4 1.7 0.51998 5.3 6.7 2.2 0.72001 5.3 8.0 2.6 0.62004 9.3 13.2 5.6 1.82007 9.3 11.0 6.5 3.6
Three-year change (percentage points)1992 0.7 3.8 1.6 0.21995 -1.5 -3.3 -0.9 -0.71998 1.9 2.3 0.5 0.22001 0.0 1.3 0.4 -0.12004 4.0 5.2 3.0 1.22007 0.0 -2.2 0.9 1.8
0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 30.5 30.6 11.3 3.21992 17.4 19.6 14.5 39.11995 14.0 24.3 17.6 55.41998 14.9 21.6 20.2 22.72001 17.5 24.0 8.2 19.92004 23.6 32.9 19.8 1.62007 21.7 45.4 13.0 50.0
Three-year change (percent)1992 -43.0 -35.9 28.3 1121.91995 -19.5 24.0 21.4 41.71998 6.4 -11.1 14.8 -59.02001 17.4 11.1 -59.4 -12.32004 34.9 37.1 141.5 -92.02007 -8.1 38.0 -34.3 3025.0
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 40.4 89.4 49.3 3.21992 26.0 41.4 26.7 51.51995 23.7 26.0 22.4 55.41998 19.4 34.4 34.6 24.02001 26.2 56.4 13.8 19.92004 37.1 71.5 40.4 16.12007 35.5 72.9 25.1 67.7
Three-year change (percent)1992 -35.6 -53.7 -45.8 1509.41995 -8.8 -37.2 -16.1 7.61998 -18.1 32.3 54.5 -56.72001 35.1 64.0 -60.1 -17.12004 41.6 26.8 192.8 -19.12007 -4.3 2.0 -37.9 320.5
0
5
10
15
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 6.3 3.7 2.6 1.01992 9.5 3.6 2.9 2.31995 5.9 2.6 2.5 1.41998 8.6 3.5 4.2 2.02001 6.9 4.9 5.1 2.32004 14.6 6.6 7.2 5.02007 12.7 8.6 6.5 6.0
Three-year change (percentage points)1992 3.2 -0.1 0.3 1.31995 -3.6 -1.0 -0.4 -0.91998 2.7 0.9 1.7 0.62001 -1.7 1.4 0.9 0.32004 7.7 1.7 2.1 2.72007 -1.9 2.0 -0.7 1.0
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 30.6 30.5 27.4 6.41992 15.9 20.3 17.4 17.41995 23.0 10.2 16.2 18.91998 16.6 19.1 14.0 22.52001 22.2 18.7 14.0 8.22004 29.7 28.6 17.6 18.72007 27.0 20.0 25.0 15.0
Three-year change (percent)1992 -48.0 -33.4 -36.5 171.91995 44.7 -49.8 -6.9 8.61998 -27.8 87.3 -13.6 19.02001 33.7 -2.1 0.0 -63.62004 33.8 52.9 25.7 128.02007 -9.1 -30.1 42.0 -19.8
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 48.9 45.6 48.3 39.71992 31.6 28.4 24.4 29.91995 29.6 20.3 17.5 24.51998 24.7 23.1 17.3 34.02001 47.0 26.3 16.5 14.02004 56.2 33.8 24.2 39.02007 54.1 27.5 30.8 29.0
Three-year change (percent)1992 -35.4 -37.7 -49.5 -24.71995 -6.3 -28.5 -28.3 -18.11998 -16.6 13.8 -1.1 38.82001 90.3 13.9 -4.6 -58.82004 19.6 28.5 46.7 178.62007 -3.7 -18.6 27.3 -25.6
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditRegion
Year Northeast Midwest South WestLevel (percent)
1989 5.3 4.0 1.8 2.21992 6.1 5.0 3.3 3.31995 3.9 4.2 2.0 1.91998 6.8 5.7 3.5 2.62001 6.2 7.1 3.8 2.72004 12.0 11.7 5.5 7.42007 10.7 9.2 5.5 11.0
Three-year change (percentage points)1992 0.8 1.0 1.5 1.11995 -2.2 -0.8 -1.3 -1.41998 2.9 1.5 1.5 0.72001 -0.6 1.4 0.3 0.12004 5.8 4.6 1.7 4.72007 -1.3 -2.5 0.0 3.6
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 32.2 20.9 24.1 56.31992 20.3 17.4 14.9 26.01995 20.3 12.2 17.6 27.01998 19.1 12.7 16.6 14.02001 17.0 17.5 14.0 23.42004 32.9 23.6 20.4 30.82007 25.0 17.0 19.5 40.0
Three-year change (percent)1992 -37.0 -16.7 -38.2 -53.81995 0.0 -29.9 18.1 3.81998 -5.9 4.1 -5.7 -48.12001 -11.0 37.8 -15.7 67.12004 93.5 34.9 45.7 31.62007 -24.0 -28.0 -4.4 29.9
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 54.1 32.1 45.0 65.81992 26.2 32.9 23.5 40.71995 21.4 23.0 23.4 33.61998 23.7 25.0 22.8 23.82001 30.2 26.4 30.8 41.82004 51.8 37.1 36.2 52.72007 44.6 26.1 29.4 54.4
Three-year change (percent)1992 -51.6 2.5 -47.8 -38.11995 -18.3 -30.1 -0.4 -17.41998 10.7 8.7 -2.6 -29.22001 27.4 5.6 35.1 75.62004 71.5 40.5 17.5 26.12007 -13.9 -29.6 -18.8 3.2
0
2
4
6
8
10
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 3.6 1.31992 4.8 1.81995 3.1 1.71998 4.4 4.92001 4.9 4.02004 9.3 5.02007 9.0 6.4
Three-year change (percentage points)1992 1.2 0.51995 -1.7 -0.11998 1.3 3.22001 0.5 -0.92004 4.4 1.02007 -0.3 1.4
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 30.5 12.91992 19.9 13.01995 17.5 6.11998 16.6 15.82001 17.5 14.02004 25.3 14.32007 24.0 14.0
Three-year change (percent)1992 -34.8 0.81995 -12.1 -53.11998 -5.1 159.02001 5.4 -11.42004 44.6 2.12007 -5.1 -2.1
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 48.7 27.41992 30.8 17.41995 25.0 15.11998 24.7 19.62001 31.5 22.72004 46.6 18.32007 41.7 22.2
Three-year change (percent)1992 -36.8 -36.51995 -18.8 -13.21998 -1.2 29.82001 27.5 15.82004 47.9 -19.42007 -10.5 21.3
0
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditHousing status
Year Owner Renter or otherLevel (percent)
1989 4.9 0.01992 6.7 0.01995 4.4 0.01998 6.7 0.02001 7.1 0.02004 12.4 0.02007 12.4 0.0
Three-year change (percentage points)1992 1.8 0.01995 -2.3 0.01998 2.3 0.02001 0.4 0.02004 5.3 0.02007 0.0 0.0
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 29.0 .1992 17.4 .1995 16.2 .1998 16.6 .2001 17.5 .2004 24.2 .2007 24.0 .
Three-year change (percent)1992 -40.0 .1995 -6.9 .1998 2.5 .2001 5.4 .2004 38.3 .2007 -0.8 .
25
30
35
40
45
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 47.0 .1992 29.7 .1995 24.2 .1998 23.8 .2001 30.5 .2004 43.7 .2007 39.2 .
Three-year change (percent)1992 -36.8 .1995 -18.5 .1998 -1.7 .2001 28.2 .2004 43.3 .2007 -10.3 .
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Percent of families withhome−equity lines of credit
Percent of families with home-equity lines of creditPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 0.0 0.8 5.1 7.0 6.01992 0.1 2.1 4.7 9.1 11.81995 0.4 1.2 3.2 5.1 8.91998 0.3 3.6 6.4 7.1 8.42001 0.7 2.8 6.1 9.8 9.12004 1.1 4.5 11.9 16.3 17.52007 0.6 5.4 12.4 15.0 16.5
Three-year change (percentage points)1992 0.1 1.3 -0.4 2.1 5.81995 0.3 -0.9 -1.5 -4.0 -2.91998 -0.1 2.4 3.2 2.0 -0.52001 0.4 -0.8 -0.3 2.7 0.72004 0.4 1.7 5.8 6.5 8.42007 -0.5 0.9 0.5 -1.3 -1.0
0
500
1000
1500
2000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Median value of home−equity lines ofcredit for families with holdings
Median value of home-equity lines of credit for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1931.9 13.3 30.5 29.0 43.51992 2.3 13.0 14.9 18.2 28.91995 14.0 9.5 16.2 15.5 20.31998 6.3 15.3 14.0 25.5 22.92001 12.9 14.0 11.7 22.2 22.22004 16.5 26.4 18.6 25.3 41.72007 34.0 14.0 19.0 30.0 42.0
Three-year change (percent)1992 -99.9 -2.3 -51.1 -37.2 -33.61995 508.7 -26.9 8.7 -14.8 -29.81998 -55.0 61.1 -13.6 64.5 12.82001 104.8 -8.5 -16.4 -12.9 -3.12004 27.9 88.6 59.0 14.0 87.82007 106.1 -47.0 2.2 18.6 0.7
0
200
400
600
800
1000
1200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Mean value of home−equity lines ofcredit for families with holdings
Mean value of home-equity lines of credit for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1176.1 14.9 34.7 42.8 79.11992 2.3 18.1 21.2 25.4 49.11995 26.4 13.1 20.4 21.1 33.71998 17.6 18.3 18.0 26.6 37.92001 15.9 19.2 15.1 28.9 69.92004 15.6 27.1 25.6 38.2 97.02007 44.9 19.9 28.9 44.8 66.4
Three-year change (percent)1992 -99.8 21.5 -38.9 -40.7 -37.91995 1047.8 -27.6 -3.8 -16.9 -31.41998 -33.3 39.7 -11.8 26.1 12.52001 -9.7 4.9 -16.1 8.6 84.42004 -1.9 41.1 69.5 32.2 38.82007 187.8 -26.6 12.9 17.3 -31.5
4
4.5
5
5.5
6
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all families
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtYear All families
Level (percent)1989 5.11992 5.71995 4.71998 5.02001 4.62004 4.02007 5.5
Three-year change (percentage points)1992 0.61995 -1.01998 0.32001 -0.42004 -0.62007 1.5
40
50
60
70
80
90
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 40.21992 36.21995 40.61998 52.22001 46.82004 95.62007 100.0
Three-year change (percent)1992 -10.01995 12.21998 28.62001 -10.32004 104.32007 4.6
60
80
100
120
140
160
180
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 62.91992 82.71995 79.01998 89.62001 86.62004 183.12007 177.3
Three-year change (percent)1992 31.51995 -4.51998 13.42001 -3.32004 111.42007 -3.2
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 0.8 1.0 3.3 5.5 10.7 19.31992 0.5 1.9 4.0 5.7 9.8 22.41995 1.3 1.6 3.1 5.1 7.9 17.21998 0.7 2.0 4.1 6.7 7.8 15.32001 0.4 1.8 3.2 5.3 10.3 14.22004 0.3 1.5 2.6 4.1 7.6 15.42007 1.1 1.9 2.6 6.8 8.5 21.9
Three-year change (percentage points)1992 -0.3 0.9 0.7 0.2 -0.9 3.11995 0.8 -0.3 -0.9 -0.6 -1.9 -5.21998 -0.6 0.4 1.0 1.6 -0.1 -1.92001 -0.3 -0.2 -0.9 -1.4 2.5 -1.12004 -0.1 -0.3 -0.6 -1.2 -2.7 1.22007 0.8 0.4 0.0 2.7 0.9 6.5
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 5.8 20.1 22.5 23.1 43.5 67.61992 37.6 5.8 22.1 26.0 36.3 68.01995 10.8 27.0 29.2 40.6 40.6 47.31998 63.7 42.0 24.2 38.2 54.3 89.12001 11.7 35.1 45.4 49.1 36.4 91.22004 8.8 39.3 72.5 68.1 85.7 174.62007 70.0 42.0 68.8 83.0 125.0 147.5
Three-year change (percent)1992 548.3 -71.1 -1.8 12.6 -16.6 0.61995 -71.3 365.5 32.1 56.2 11.8 -30.41998 489.8 55.6 -17.1 -5.9 33.7 88.42001 -81.6 -16.4 87.6 28.5 -33.0 2.42004 -24.8 12.0 59.7 38.7 135.4 91.42007 695.5 6.9 -5.1 21.9 45.9 -15.5
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 15.3 34.9 37.4 33.2 59.5 97.41992 32.7 14.6 62.2 56.0 65.0 125.41995 34.9 43.3 53.1 56.2 71.4 118.51998 77.3 58.3 49.3 75.5 85.4 135.02001 18.1 36.5 58.0 60.6 65.0 150.92004 257.7 80.1 81.4 108.5 96.2 317.92007 102.5 68.4 86.3 145.7 170.4 247.7
Three-year change (percent)1992 113.7 -58.2 66.3 68.7 9.2 28.71995 6.7 196.6 -14.6 0.4 9.8 -5.51998 121.5 34.6 -7.2 34.3 19.6 13.92001 -76.6 -37.4 17.6 -19.7 -23.9 11.82004 1323.8 119.5 40.3 79.0 48.0 110.72007 -60.2 -14.6 6.0 34.3 77.1 -22.1
0
2
4
6
8
10
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 1.6 7.0 10.7 7.4 4.0 0.71992 3.0 7.1 9.3 9.9 3.1 0.71995 2.1 4.9 8.4 8.3 3.5 1.01998 1.8 6.6 6.7 7.8 5.1 1.82001 2.7 4.9 6.4 7.4 3.4 2.02004 2.1 4.0 6.3 5.9 3.2 1.52007 3.3 6.5 8.0 7.8 5.0 0.6
Three-year change (percentage points)1992 1.4 0.1 -1.4 2.5 -0.9 0.01995 -0.9 -2.2 -0.9 -1.6 0.4 0.31998 -0.3 1.7 -1.7 -0.5 1.6 0.82001 0.9 -1.7 -0.3 -0.4 -1.7 0.22004 -0.6 -0.9 -0.1 -1.5 -0.2 -0.52007 1.2 2.5 1.7 1.9 1.8 -0.9
0
100
200
300
400
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 25.8 56.3 32.2 54.7 20.1 8.91992 24.6 39.1 49.2 28.9 24.6 346.91995 33.8 43.0 40.6 44.6 44.6 10.81998 70.0 50.9 50.9 52.2 71.3 37.92001 60.8 57.3 39.2 45.4 90.1 49.12004 68.6 82.4 95.6 119.5 109.8 42.82007 78.0 101.6 82.0 130.0 125.0 50.0
Three-year change (percent)1992 -4.7 -30.6 52.8 -47.2 22.4 3797.81995 37.4 10.0 -17.5 54.3 81.3 -96.91998 107.1 18.4 25.4 17.0 59.9 250.92001 -13.1 12.6 -23.0 -13.0 26.4 29.62004 12.8 43.8 143.9 163.2 21.9 -12.82007 13.7 23.3 -14.2 8.8 13.8 16.8
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 57.8 70.2 55.1 81.7 37.1 20.41992 67.6 67.4 91.1 82.5 108.8 309.21995 58.7 73.0 87.1 83.4 76.5 95.41998 73.5 88.2 91.9 94.9 100.3 62.12001 82.0 83.5 73.7 95.2 143.7 55.62004 111.2 140.6 219.9 229.7 165.0 94.22007 120.4 197.6 152.1 208.9 204.7 181.1
Three-year change (percent)1992 17.0 -4.0 65.3 1.0 193.3 1415.71995 -13.2 8.3 -4.4 1.1 -29.7 -69.11998 25.2 20.8 5.5 13.8 31.1 -34.92001 11.6 -5.3 -19.8 0.3 43.3 -10.52004 35.6 68.4 198.4 141.3 14.8 69.42007 8.3 40.5 -30.8 -9.1 24.1 92.3
2
4
6
8
10
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 3.5 2.4 1.9 6.4 8.01992 2.5 4.3 1.7 7.1 8.61995 1.8 3.1 1.9 6.6 6.21998 2.0 4.4 2.6 5.6 7.22001 2.4 2.7 3.0 6.8 4.82004 1.6 3.6 2.5 5.1 5.02007 2.7 3.5 1.9 8.4 6.6
Three-year change (percentage points)1992 -1.0 1.9 -0.2 0.7 0.61995 -0.7 -1.2 0.2 -0.5 -2.41998 0.2 1.3 0.7 -1.0 1.02001 0.4 -1.7 0.4 1.2 -2.42004 -0.8 0.9 -0.5 -1.7 0.22007 1.1 -0.1 -0.6 3.3 1.6
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 43.5 62.8 17.7 48.3 38.91992 20.3 21.7 39.8 37.6 36.81995 33.8 58.1 13.5 40.6 43.01998 19.1 77.7 66.2 50.3 39.02001 19.9 60.8 41.4 46.8 46.82004 34.6 82.6 87.9 104.3 109.82007 85.0 78.5 135.0 93.0 125.0
Three-year change (percent)1992 -53.3 -65.4 124.9 -22.2 -5.41995 66.5 167.7 -66.1 8.0 16.81998 -43.5 33.7 390.4 23.9 -9.32001 4.2 -21.8 -37.5 -7.0 20.02004 73.9 35.9 112.3 122.9 134.62007 145.7 -5.0 53.6 -10.8 13.8
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 52.5 81.3 35.0 62.9 65.91992 90.0 52.8 107.4 83.1 88.21995 62.1 57.7 62.1 87.1 79.91998 37.1 87.8 122.9 101.2 79.02001 62.5 86.4 50.9 85.7 102.82004 70.0 111.6 126.9 222.9 196.62007 108.3 151.1 179.5 180.0 192.8
Three-year change (percent)1992 71.4 -35.1 206.9 32.1 33.81995 -31.0 9.3 -42.2 4.8 -9.41998 -40.3 52.2 97.9 16.2 -1.12001 68.5 -1.6 -58.6 -15.3 30.12004 12.0 29.2 149.3 160.1 91.22007 54.7 35.4 41.4 -19.2 -1.9
0
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 1.4 4.3 5.0 9.41992 1.6 2.8 5.4 11.11995 2.8 3.9 4.2 7.01998 1.1 3.7 5.4 7.92001 1.4 2.9 4.5 7.72004 0.3 2.2 4.7 6.72007 1.9 3.2 6.4 8.7
Three-year change (percentage points)1992 0.2 -1.5 0.4 1.71995 1.2 1.1 -1.2 -4.11998 -1.7 -0.2 1.2 0.92001 0.3 -0.8 -0.9 -0.22004 -1.1 -0.7 0.2 -1.02007 1.6 1.0 1.7 2.0
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 17.7 22.5 39.6 56.31992 21.7 31.8 40.7 39.11995 10.8 47.3 33.8 47.31998 18.9 35.6 56.0 66.62001 30.0 43.9 49.1 53.82004 87.9 51.6 82.4 115.32007 53.3 82.0 80.0 125.0
Three-year change (percent)1992 22.6 41.3 2.8 -30.61995 -50.2 48.7 -17.0 21.01998 75.0 -24.7 65.7 40.82001 58.7 23.3 -12.3 -19.22004 193.0 17.5 67.8 114.32007 -39.4 58.9 -2.9 8.4
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 37.2 41.9 68.5 75.71992 36.9 59.0 77.7 93.81995 28.8 77.4 60.5 98.91998 25.9 44.9 79.0 118.32001 56.2 65.5 73.1 100.82004 240.3 101.9 169.3 209.12007 209.3 125.2 126.6 212.1
Three-year change (percent)1992 -0.8 40.8 13.4 23.91995 -22.0 31.2 -22.1 5.41998 -10.1 -42.0 30.6 19.62001 117.0 45.9 -7.5 -14.82004 327.6 55.6 131.6 107.42007 -12.9 22.9 -25.2 1.4
2
3
4
5
6
7
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 5.7 3.31992 6.4 3.31995 5.1 3.51998 5.3 4.02001 5.3 2.42004 4.4 3.02007 5.8 4.8
Three-year change (percentage points)1992 0.7 0.01995 -1.3 0.21998 0.2 0.52001 0.0 -1.62004 -0.9 0.62007 1.4 1.8
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 41.7 35.01992 37.6 26.01995 44.6 33.81998 54.3 50.92001 46.8 46.82004 95.6 72.52007 90.8 114.8
Three-year change (percent)1992 -9.8 -25.71995 18.6 30.01998 21.7 50.62001 -13.8 -8.12004 104.3 54.92007 -5.0 58.2
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 62.9 62.71992 83.9 76.11995 84.6 51.41998 95.1 65.32001 86.4 88.32004 179.6 196.62007 171.6 193.6
Three-year change (percent)1992 33.4 21.41995 0.8 -32.51998 12.4 27.02001 -9.1 35.22004 107.9 122.72007 -4.5 -1.5
0
5
10
15
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 5.8 8.6 2.8 2.41992 6.2 12.8 2.6 2.61995 5.4 8.1 2.4 2.01998 5.1 10.7 3.1 0.62001 5.3 7.3 1.9 2.32004 4.1 10.2 1.2 1.72007 5.4 15.1 2.6 1.8
Three-year change (percentage points)1992 0.4 4.2 -0.2 0.21995 -0.8 -4.7 -0.2 -0.61998 -0.3 2.6 0.7 -1.42001 0.2 -3.4 -1.2 1.72004 -1.2 2.9 -0.7 -0.62007 1.3 4.9 1.4 0.1
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 44.6 64.4 22.5 9.71992 32.0 62.2 26.0 39.11995 39.2 56.8 44.6 27.01998 47.1 68.8 43.3 112.22001 43.9 102.3 51.1 35.12004 91.2 109.8 86.8 153.82007 88.9 151.6 100.0 230.0
Three-year change (percent)1992 -28.3 -3.4 15.6 303.11995 22.5 -8.7 71.5 -30.91998 20.2 21.1 -2.9 315.62001 -6.8 48.7 18.0 -68.72004 107.7 7.3 69.9 338.22007 -2.5 38.1 15.2 49.5
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 60.6 96.4 35.0 32.91992 63.7 138.6 77.7 32.51995 73.6 114.1 66.0 43.81998 78.5 118.6 87.1 112.22001 69.6 148.3 103.5 34.32004 149.1 255.9 170.9 164.92007 141.1 237.2 205.0 219.7
Three-year change (percent)1992 5.1 43.8 122.0 -1.21995 15.5 -17.7 -15.1 34.81998 6.7 3.9 32.0 156.22001 -11.3 25.0 18.8 -69.42004 114.2 72.6 65.1 380.82007 -5.4 -7.3 20.0 33.2
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 10.9 4.7 3.5 2.71992 11.4 5.3 5.0 2.61995 9.2 3.7 5.1 2.31998 7.7 5.7 4.7 2.62001 9.2 3.5 3.3 2.02004 7.8 3.4 3.2 1.32007 10.0 4.5 5.1 2.5
Three-year change (percentage points)1992 0.5 0.6 1.5 -0.11995 -2.2 -1.6 0.1 -0.31998 -1.5 2.0 -0.4 0.32001 1.5 -2.2 -1.4 -0.62004 -1.4 -0.1 -0.1 -0.72007 2.2 1.1 1.9 1.2
20
40
60
80
100
120
140
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 56.3 56.3 21.5 22.51992 54.6 22.2 49.2 26.81995 54.1 33.8 34.0 31.11998 59.8 66.2 35.5 68.82001 60.6 49.1 31.6 40.92004 101.0 115.3 85.7 106.52007 130.0 105.0 60.0 100.0
Three-year change (percent)1992 -3.0 -60.6 128.8 19.11995 -0.9 52.3 -30.9 16.01998 10.5 95.9 4.4 121.22001 1.3 -25.8 -11.0 -40.62004 66.7 134.8 171.2 160.42007 28.7 -8.9 -30.0 -6.1
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 79.3 69.4 38.3 34.61992 97.4 81.8 60.9 67.01995 105.3 77.7 51.5 62.01998 109.9 96.1 52.3 88.02001 101.5 84.2 36.3 89.92004 226.2 139.9 102.0 169.72007 207.5 158.3 95.9 206.7
Three-year change (percent)1992 22.8 17.9 59.0 93.61995 8.1 -5.0 -15.4 -7.51998 4.4 23.7 1.6 41.92001 -7.6 -12.4 -30.6 2.22004 122.9 66.2 181.0 88.82007 -8.3 13.2 -6.0 21.8
3
4
5
6
7
8
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtRegion
Year Northeast Midwest South WestLevel (percent)
1989 3.6 4.7 5.3 6.91992 4.4 5.9 4.7 8.21995 5.5 3.8 4.5 5.31998 5.5 3.6 5.0 6.12001 4.9 4.5 4.3 4.82004 3.5 4.1 3.2 5.82007 4.9 5.2 4.6 8.1
Three-year change (percentage points)1992 0.8 1.2 -0.6 1.31995 1.1 -2.1 -0.2 -2.91998 0.0 -0.2 0.5 0.82001 -0.6 0.9 -0.7 -1.32004 -1.4 -0.4 -1.1 1.02007 1.4 1.1 1.4 2.3
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 64.4 23.8 30.3 56.31992 40.5 21.7 49.2 30.01995 47.3 30.8 33.8 81.11998 70.0 25.5 43.3 87.02001 55.0 37.6 46.8 53.82004 109.8 87.9 91.2 95.62007 95.0 82.5 80.0 160.0
Three-year change (percent)1992 -37.1 -8.8 62.4 -46.71995 16.8 41.9 -31.3 170.31998 48.0 -17.2 28.1 7.32001 -21.4 47.5 8.1 -38.22004 99.6 133.8 94.9 77.72007 -13.5 -6.1 -12.3 67.4
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 79.9 42.8 48.1 89.71992 110.6 54.8 74.9 99.21995 75.9 47.2 76.9 110.81998 85.8 71.3 75.7 123.72001 104.0 71.5 74.4 104.22004 219.7 145.4 138.0 233.22007 164.9 120.9 164.5 232.8
Three-year change (percent)1992 38.4 28.0 55.7 10.61995 -31.4 -13.9 2.7 11.71998 13.0 51.1 -1.6 11.62001 21.2 0.3 -1.7 -15.82004 111.2 103.4 85.5 123.82007 -24.9 -16.9 19.2 -0.2
2
3
4
5
6
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 5.0 5.51992 6.2 3.11995 5.0 3.11998 5.3 3.42001 4.7 3.62004 4.4 2.02007 6.1 2.9
Three-year change (percentage points)1992 1.2 -2.41995 -1.2 0.01998 0.3 0.32001 -0.6 0.22004 -0.3 -1.62007 1.7 0.9
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 48.3 32.21992 35.5 57.91995 43.0 23.01998 60.5 21.92001 46.8 60.82004 96.6 69.22007 101.0 70.0
Three-year change (percent)1992 -26.5 79.81995 21.1 -60.31998 40.7 -4.82001 -22.6 177.62004 106.4 13.82007 4.6 1.2
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 69.4 37.61992 83.4 77.01995 83.9 32.51998 96.1 30.72001 89.4 64.32004 192.2 86.52007 183.2 117.0
Three-year change (percent)1992 20.2 104.81995 0.6 -57.81998 14.5 -5.52001 -7.0 109.42004 115.0 34.52007 -4.7 35.3
2
3
4
5
6
7
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtHousing status
Year Owner Renter or otherLevel (percent)
1989 6.7 2.31992 6.9 3.41995 5.8 2.71998 6.2 2.72001 5.8 2.02004 5.1 1.72007 6.9 2.6
Three-year change (percentage points)1992 0.2 1.11995 -1.1 -0.71998 0.4 0.02001 -0.4 -0.72004 -0.7 -0.32007 1.8 0.9
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 43.5 28.21992 39.1 26.31995 40.6 66.21998 54.2 35.02001 46.8 43.92004 98.8 91.22007 100.0 80.0
Three-year change (percent)1992 -10.1 -6.71995 3.8 151.71998 33.5 -47.12001 -13.7 25.42004 111.1 107.72007 1.2 -12.3
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 66.0 46.51992 83.8 78.91995 75.8 91.41998 95.9 61.02001 86.9 84.82004 195.2 103.12007 177.9 173.5
Three-year change (percent)1992 27.0 69.71995 -9.5 15.81998 26.5 -33.32001 -9.4 39.02004 124.6 21.62007 -8.9 68.3
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Percent of families with otherresidential real estate debt
Percent of families with other residential real estate debtPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 0.8 1.6 4.4 9.4 20.11992 0.8 2.7 4.9 9.8 20.71995 0.7 2.5 3.3 8.0 18.71998 0.7 3.2 4.8 8.9 14.82001 0.6 2.0 5.5 7.6 14.22004 0.0 1.4 4.5 5.8 16.62007 0.3 3.2 4.9 8.5 21.8
Three-year change (percentage points)1992 0.0 1.1 0.5 0.4 0.61995 -0.1 -0.2 -1.6 -1.8 -2.01998 0.0 0.7 1.5 0.9 -3.92001 -0.1 -1.2 0.7 -1.3 -0.62004 -0.6 -0.6 -1.0 -1.8 2.42007 0.3 1.8 0.4 2.7 5.2
0
50
100
150
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Median value of other residential realestate debt for families with holdings
Median value of other residential real estate debt for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 28.2 19.3 22.5 39.6 72.41992 17.4 18.1 26.8 32.0 79.61995 13.5 25.7 33.8 35.5 80.41998 84.7 36.9 28.0 63.7 91.72001 9.4 23.4 55.0 45.5 91.22004 27.5 28.9 53.2 108.7 162.52007 37.0 74.0 72.0 94.0 160.0
Three-year change (percent)1992 -38.3 -6.2 19.1 -19.2 9.91995 -22.4 42.0 26.1 10.9 1.01998 527.4 43.6 -17.2 79.4 14.12001 -88.9 -36.6 96.4 -28.6 -0.52004 192.6 23.5 -3.3 138.9 78.22007 34.5 156.1 35.3 -13.5 -1.5
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Mean value of other residential realestate debt for families with holdings
Mean value of other residential real estate debt for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 48.3 28.5 36.1 45.2 98.31992 78.3 41.1 40.7 54.3 141.91995 53.0 39.0 44.3 56.7 124.91998 101.5 48.1 38.8 82.5 158.72001 25.2 26.6 65.5 63.5 153.32004 27.5 59.7 74.3 120.7 316.92007 37.6 67.8 157.1 119.3 267.4
Three-year change (percent)1992 62.1 44.2 12.7 20.1 44.41995 -32.3 -5.1 8.8 4.4 -12.01998 91.5 23.3 -12.4 45.5 27.12001 -75.2 -44.7 68.8 -23.0 -3.42004 9.1 124.4 13.4 90.1 106.72007 36.7 13.6 111.4 -1.2 -15.6
44
45
46
47
48
49
50P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with installment loans
Percent of families with installment loansYear All families
Level (percent)1989 49.51992 46.01995 46.01998 43.72001 45.22004 46.02007 46.9
Three-year change (percentage points)1992 -3.51995 0.01998 -2.32001 1.52004 0.82007 0.9
7
8
9
10
11
12
13
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 8.31992 6.71995 8.21998 11.12001 11.32004 12.72007 13.0
Three-year change (percent)1992 -19.31995 22.41998 35.42001 1.82004 12.42007 2.4
12
14
16
18
20
22
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 14.21992 11.31995 12.81998 17.92001 17.42004 20.72007 21.0
Three-year change (percent)1992 -20.41995 13.31998 39.82001 -2.82004 19.02007 1.4
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with installment loans
Percent of families with installment loansPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 32.9 40.4 54.1 63.8 63.7 48.61992 31.2 42.2 54.7 54.0 55.1 40.71995 27.4 40.3 49.5 60.2 60.4 44.51998 27.3 36.7 51.2 51.6 58.4 45.42001 25.5 43.2 51.9 56.7 55.7 41.22004 26.9 39.8 52.5 57.9 60.0 45.72007 27.8 42.3 54.0 59.2 57.4 45.0
Three-year change (percentage points)1992 -1.7 1.8 0.6 -9.8 -8.6 -7.91995 -3.8 -1.9 -5.2 6.2 5.3 3.81998 -0.1 -3.6 1.7 -8.6 -2.0 0.92001 -1.8 6.5 0.7 5.1 -2.7 -4.22004 1.4 -3.4 0.6 1.2 4.3 4.52007 0.9 2.5 1.5 1.3 -2.6 -0.7
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 2.3 5.0 9.5 11.3 13.5 13.11992 2.8 4.2 5.9 9.4 10.7 14.91995 4.1 4.9 8.7 9.7 13.1 13.21998 5.1 7.9 10.2 15.2 14.6 18.42001 5.4 7.7 11.3 13.9 17.0 15.72004 6.1 8.8 11.8 15.3 16.6 19.82007 6.5 9.8 12.8 16.3 17.3 18.3
Three-year change (percent)1992 21.7 -16.0 -37.9 -16.8 -20.7 13.71995 46.4 16.7 47.5 3.2 22.4 -11.41998 24.4 61.2 17.2 56.7 11.5 39.42001 5.9 -2.5 10.8 -8.6 16.4 -14.72004 13.0 14.3 4.4 10.1 -2.4 26.12007 6.6 11.4 8.5 6.5 4.2 -7.6
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 5.3 8.1 14.0 17.0 15.5 27.61992 6.0 8.8 10.6 11.8 13.0 22.31995 7.6 8.8 12.2 13.3 17.2 20.01998 9.9 11.7 14.9 21.2 20.1 33.82001 10.3 12.4 14.9 17.6 21.5 36.92004 11.9 15.7 17.5 22.4 25.2 36.52007 14.1 16.2 17.7 23.5 23.7 36.6
Three-year change (percent)1992 13.2 8.6 -24.3 -30.6 -16.1 -19.21995 26.7 0.0 15.1 12.7 32.3 -10.31998 30.3 33.0 22.1 59.4 16.9 69.02001 4.0 6.0 0.0 -17.0 7.0 9.22004 15.5 26.6 17.4 27.3 17.2 -1.12007 18.5 3.2 1.1 4.9 -6.0 0.3
0
20
40
60
80
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with installment loans
Percent of families with installment loansAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 60.8 67.6 59.3 38.5 21.5 9.81992 61.7 57.8 49.9 38.8 22.9 8.31995 62.5 59.8 53.3 34.8 16.5 8.81998 60.0 53.3 51.2 37.9 20.2 4.22001 63.8 57.1 45.9 39.3 21.1 9.52004 59.4 55.7 50.2 42.8 27.5 13.92007 65.2 56.2 51.9 44.6 26.1 7.0
Three-year change (percentage points)1992 0.9 -9.8 -9.4 0.3 1.4 -1.51995 0.8 2.0 3.4 -4.0 -6.4 0.51998 -2.5 -6.5 -2.1 3.1 3.7 -4.62001 3.8 3.8 -5.3 1.4 0.9 5.32004 -4.4 -1.4 4.3 3.5 6.4 4.42007 5.8 0.5 1.7 1.8 -1.4 -6.9
4
6
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 7.6 11.2 11.2 5.8 5.2 4.81992 6.6 7.3 6.8 6.4 5.8 4.51995 9.6 7.5 9.7 6.8 6.6 4.61998 11.5 9.8 12.7 10.5 8.2 11.32001 11.2 12.9 11.3 10.5 8.2 6.82004 13.1 13.2 13.1 14.2 9.1 7.42007 15.0 13.5 12.9 10.9 10.3 8.0
Three-year change (percent)1992 -13.2 -34.8 -39.3 10.3 11.5 -6.21995 45.5 2.7 42.6 6.2 13.8 2.21998 19.8 30.7 30.9 54.4 24.2 145.72001 -2.6 31.6 -11.0 0.0 0.0 -39.82004 17.0 2.3 15.9 35.2 11.0 8.82007 14.5 2.3 -1.5 -23.2 13.2 8.1
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 12.7 15.9 16.4 13.8 8.5 12.81992 11.3 12.2 10.2 11.6 9.8 9.11995 13.3 11.5 15.9 10.3 10.6 6.91998 18.6 17.2 18.5 19.2 13.1 11.32001 16.3 20.0 18.2 16.1 10.8 15.92004 20.2 20.4 18.7 20.5 15.3 52.02007 23.0 20.3 21.3 20.5 16.6 10.5
Three-year change (percent)1992 -11.0 -23.3 -37.8 -15.9 15.3 -28.91995 17.7 -5.7 55.9 -11.2 8.2 -24.21998 39.8 49.6 16.4 86.4 23.6 63.82001 -12.4 16.3 -1.6 -16.1 -17.6 40.72004 23.9 2.0 2.7 27.3 41.7 227.02007 13.9 -0.5 13.9 0.0 8.5 -79.8
10
20
30
40
50
60
70
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with installment loans
Percent of families with installment loansFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 50.5 51.8 16.8 66.1 42.51992 51.5 48.6 15.3 60.6 41.41995 46.4 48.4 15.2 63.6 39.01998 43.2 46.1 11.6 59.0 40.32001 48.7 46.2 15.3 60.9 40.02004 44.4 45.6 20.3 61.0 43.22007 50.0 44.1 18.9 63.0 43.6
Three-year change (percentage points)1992 1.0 -3.2 -1.5 -5.5 -1.11995 -5.1 -0.2 -0.1 3.0 -2.41998 -3.2 -2.3 -3.6 -4.6 1.32001 5.5 0.1 3.7 1.9 -0.32004 -4.3 -0.6 5.0 0.1 3.22007 5.6 -1.5 -1.4 2.0 0.4
4
6
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 3.5 7.1 3.2 10.6 11.61992 3.8 5.5 5.1 7.7 8.61995 4.8 6.8 5.3 9.9 10.21998 8.1 10.2 6.5 12.2 14.02001 8.0 10.5 5.8 13.2 12.22004 9.3 9.8 8.8 14.8 15.02007 9.9 10.0 6.5 14.9 15.6
Three-year change (percent)1992 8.6 -22.5 59.4 -27.4 -25.91995 26.3 23.6 3.9 28.6 18.61998 68.8 50.0 22.6 23.2 37.32001 -1.2 2.9 -10.8 8.2 -12.92004 16.2 -6.7 51.7 12.1 23.02007 6.5 2.0 -26.1 0.7 4.0
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 8.8 11.3 6.8 16.6 15.81992 7.7 9.4 7.9 13.0 12.21995 7.9 10.1 7.7 14.1 15.71998 11.9 16.2 11.4 19.5 20.02001 13.3 17.2 9.4 18.7 18.82004 16.1 15.2 13.7 21.4 26.92007 13.8 17.5 8.0 23.0 26.3
Three-year change (percent)1992 -12.5 -16.8 16.2 -21.7 -22.81995 2.6 7.4 -2.5 8.5 28.71998 50.6 60.4 48.1 38.3 27.42001 11.8 6.2 -17.5 -4.1 -6.02004 21.1 -11.6 45.7 14.4 43.12007 -14.3 15.1 -41.6 7.5 -2.2
30
35
40
45
50
55
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with installment loans
Percent of families with installment loansEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 38.7 50.4 57.5 53.21992 32.4 48.6 47.6 51.31995 32.6 46.7 52.2 49.31998 30.6 43.0 49.4 47.92001 29.2 47.5 49.8 48.02004 28.0 44.3 55.3 49.92007 33.3 46.0 54.3 49.1
Three-year change (percentage points)1992 -6.3 -1.8 -9.9 -1.91995 0.2 -1.9 4.6 -2.01998 -2.0 -3.7 -2.8 -1.42001 -1.4 4.5 0.4 0.12004 -1.2 -3.2 5.5 1.92007 5.3 1.7 -1.0 -0.8
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 4.8 6.7 9.9 11.31992 2.9 5.8 6.4 10.41995 5.0 8.1 7.2 10.91998 7.2 8.9 12.2 14.22001 7.3 9.2 11.7 14.52004 7.7 9.9 13.0 16.92007 8.8 10.2 12.1 17.4
Three-year change (percent)1992 -39.6 -13.4 -35.4 -8.01995 72.4 39.7 12.5 4.81998 44.0 9.9 69.4 30.32001 1.4 3.4 -4.1 2.12004 5.5 7.6 11.1 16.62007 14.3 3.0 -6.9 3.0
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 8.7 12.9 13.5 19.51992 6.8 8.5 9.6 16.51995 8.6 11.5 11.7 16.41998 11.8 12.3 21.1 22.82001 10.7 12.5 16.3 24.52004 12.7 16.1 17.4 27.62007 12.8 15.9 19.2 28.6
Three-year change (percent)1992 -21.8 -34.1 -28.9 -15.41995 26.5 35.3 21.9 -0.61998 37.2 7.0 80.3 39.02001 -9.3 1.6 -22.7 7.52004 18.7 28.8 6.7 12.72007 0.8 -1.2 10.3 3.6
42
44
46
48
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with installment loans
Percent of families with installment loansRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 49.4 49.71992 46.3 45.11995 46.1 45.31998 44.2 42.32001 45.4 44.42004 47.0 43.22007 46.1 48.9
Three-year change (percentage points)1992 -3.1 -4.61995 -0.2 0.21998 -1.9 -3.02001 1.2 2.12004 1.6 -1.22007 -0.9 5.7
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 9.6 4.81992 7.3 4.31995 8.7 6.61998 11.7 9.12001 11.7 9.72004 13.7 10.52007 13.4 12.0
Three-year change (percent)1992 -24.0 -10.41995 19.2 53.51998 34.5 37.92001 0.0 6.62004 17.1 8.22007 -2.2 14.3
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 15.4 10.61992 12.1 8.61995 13.0 12.11998 19.2 13.62001 18.1 15.32004 21.6 18.12007 22.0 18.8
Three-year change (percent)1992 -21.4 -18.91995 7.4 40.71998 47.7 12.42001 -5.7 12.52004 19.3 18.32007 1.9 3.9
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with installment loans
Percent of families with installment loansCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 61.7 54.0 21.9 41.11992 58.2 47.9 21.1 41.31995 58.6 45.6 18.3 40.31998 55.2 46.3 15.9 38.72001 57.0 39.8 17.2 41.52004 55.7 43.5 22.8 45.62007 57.5 43.9 23.6 42.8
Three-year change (percentage points)1992 -3.5 -6.1 -0.8 0.21995 0.4 -2.3 -2.8 -1.01998 -3.4 0.7 -2.4 -1.62001 1.8 -6.5 1.3 2.82004 -1.3 3.7 5.6 4.12007 1.8 0.4 0.8 -2.8
4
6
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 9.2 12.8 5.6 3.11992 7.2 9.2 5.0 3.71995 9.3 8.1 5.5 6.71998 11.3 14.0 7.6 8.72001 11.7 11.9 8.1 11.42004 13.2 16.9 8.0 8.22007 13.5 15.5 8.6 10.7
Three-year change (percent)1992 -21.7 -28.1 -10.7 19.41995 29.2 -12.0 10.0 81.11998 21.5 72.8 38.2 29.92001 3.5 -15.0 6.6 31.02004 12.8 42.0 -1.2 -28.12007 2.3 -8.3 7.5 30.5
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 13.0 27.3 10.8 7.51992 11.1 15.9 8.7 9.61995 13.3 14.5 8.6 10.51998 17.0 28.3 12.1 16.32001 16.5 29.6 10.3 18.02004 19.5 26.1 22.4 22.32007 20.4 32.3 15.7 21.7
Three-year change (percent)1992 -14.6 -41.8 -19.4 28.01995 19.8 -8.8 -1.1 9.41998 27.8 95.2 40.7 55.22001 -2.9 4.6 -14.9 10.42004 18.2 -11.8 117.5 23.92007 4.6 23.8 -29.9 -2.7
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with installment loans
Percent of families with installment loansCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 60.9 59.1 61.4 25.91992 55.3 55.0 59.5 25.91995 54.0 54.2 61.1 22.71998 51.2 52.4 57.3 19.82001 49.6 56.3 57.6 21.22004 52.4 52.5 56.6 26.32007 56.2 52.2 57.8 26.6
Three-year change (percentage points)1992 -5.6 -4.1 -1.9 0.01995 -1.3 -0.8 1.6 -3.21998 -2.8 -1.8 -3.8 -2.92001 -1.6 3.9 0.3 1.42004 2.8 -3.8 -1.0 5.12007 3.8 -0.3 1.2 0.3
4
6
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 12.2 7.0 9.4 4.81992 8.7 6.8 7.0 4.31995 10.3 9.7 7.5 6.11998 14.7 10.4 10.7 7.62001 13.5 11.3 10.6 9.12004 16.5 12.2 11.3 8.22007 16.3 12.2 12.0 9.7
Three-year change (percent)1992 -28.7 -2.9 -25.5 -10.41995 18.4 42.6 7.1 41.91998 42.7 7.2 42.7 24.62001 -8.2 8.7 -0.9 19.72004 22.2 8.0 6.6 -9.92007 -1.2 0.0 6.2 18.3
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 19.2 11.2 14.9 9.81992 15.9 10.1 9.5 9.11995 15.8 13.4 11.7 9.31998 24.3 16.7 15.1 13.62001 23.7 16.2 14.1 12.82004 25.1 18.2 16.7 22.32007 27.6 18.8 17.2 17.2
Three-year change (percent)1992 -17.2 -9.8 -36.2 -7.11995 -0.6 32.7 23.2 2.21998 53.8 24.6 29.1 46.22001 -2.5 -3.0 -6.6 -5.92004 5.9 12.3 18.4 74.22007 10.0 3.3 3.0 -22.9
35
40
45
50
55
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with installment loans
Percent of families with installment loansRegion
Year Northeast Midwest South WestLevel (percent)
1989 45.2 45.5 55.5 48.51992 38.3 49.0 48.5 45.61995 44.5 48.4 47.2 42.51998 36.1 44.2 48.7 41.82001 35.0 48.2 49.7 43.32004 42.4 49.9 44.2 47.92007 40.7 47.9 48.5 48.4
Three-year change (percentage points)1992 -6.9 3.5 -7.0 -2.91995 6.2 -0.6 -1.3 -3.11998 -8.4 -4.2 1.5 -0.72001 -1.1 4.0 1.0 1.52004 7.4 1.7 -5.5 4.62007 -1.7 -2.0 4.3 0.5
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 9.5 8.5 7.0 9.51992 6.9 7.5 6.7 5.81995 7.8 9.5 7.9 8.01998 11.6 10.8 10.7 12.02001 11.5 10.5 11.5 11.52004 13.0 12.1 12.3 14.12007 12.1 11.0 13.2 14.2
Three-year change (percent)1992 -27.4 -11.8 -4.3 -38.91995 13.0 26.7 17.9 37.91998 48.7 13.7 35.4 50.02001 -0.9 -2.8 7.5 -4.22004 13.0 15.2 7.0 22.62007 -6.9 -9.1 7.3 0.7
10
12
14
16
18
20
22
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 18.7 13.8 12.6 13.61992 11.5 12.6 10.7 10.41995 14.5 13.5 11.3 12.71998 18.1 17.7 16.5 20.82001 16.5 16.5 17.5 19.02004 20.5 22.3 19.0 21.62007 20.9 17.6 22.0 22.9
Three-year change (percent)1992 -38.5 -8.7 -15.1 -23.51995 26.1 7.1 5.6 22.11998 24.8 31.1 46.0 63.82001 -8.8 -6.8 6.1 -8.72004 24.2 35.2 8.6 13.72007 2.0 -21.1 15.8 6.0
42
44
46
48
50
52
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with installment loans
Percent of families with installment loansUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 49.0 51.61992 46.2 45.11995 46.5 42.81998 43.0 48.22001 44.6 48.42004 45.4 48.62007 46.0 51.2
Three-year change (percentage points)1992 -2.8 -6.51995 0.3 -2.31998 -3.5 5.42001 1.6 0.22004 0.8 0.22007 0.6 2.6
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 8.2 8.81992 6.8 6.31995 8.7 6.31998 11.0 11.52001 11.5 9.82004 13.2 10.92007 13.3 11.7
Three-year change (percent)1992 -17.1 -28.41995 27.9 0.01998 26.4 82.52001 4.5 -14.82004 14.8 11.22007 0.8 7.3
10
12
14
16
18
20
22
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 14.1 14.51992 11.5 10.31995 13.1 10.81998 18.1 16.92001 18.2 13.02004 21.5 16.92007 22.1 16.4
Three-year change (percent)1992 -18.4 -29.01995 13.9 4.91998 38.2 56.52001 0.6 -23.12004 18.1 30.02007 2.8 -3.0
42
44
46
48
50
52
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with installment loans
Percent of families with installment loansHousing status
Year Owner Renter or otherLevel (percent)
1989 50.8 47.01992 44.3 48.91995 45.4 46.91998 44.3 42.72001 45.5 44.52004 46.6 44.62007 46.1 48.6
Three-year change (percentage points)1992 -6.5 1.91995 1.1 -2.01998 -1.1 -4.22001 1.2 1.82004 1.1 0.12007 -0.5 4.0
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 10.6 5.31992 8.1 5.21995 9.3 6.71998 12.1 9.82001 12.3 8.22004 14.2 9.62007 14.2 10.3
Three-year change (percent)1992 -23.6 -1.91995 14.8 28.81998 30.1 46.32001 1.7 -16.32004 15.4 17.12007 0.0 7.3
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 16.8 9.31992 12.7 9.01995 13.8 10.91998 18.8 16.22001 19.1 13.82004 22.5 16.42007 23.1 16.8
Three-year change (percent)1992 -24.4 -3.21995 8.7 21.11998 36.2 48.62001 1.6 -14.82004 17.8 18.82007 2.7 2.4
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with installment loans
Percent of families with installment loansPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 49.1 58.2 52.9 41.2 32.31992 52.1 56.6 44.8 33.7 25.51995 48.8 54.9 47.3 36.2 27.91998 47.2 49.9 46.3 34.4 27.32001 48.9 51.1 48.3 37.2 25.12004 47.5 52.4 49.0 40.4 27.22007 54.2 52.1 46.3 39.7 28.2
Three-year change (percentage points)1992 3.0 -1.6 -8.1 -7.5 -6.81995 -3.3 -1.7 2.5 2.5 2.41998 -1.6 -5.0 -1.0 -1.8 -0.62001 1.7 1.2 2.0 2.8 -2.22004 -1.4 1.3 0.7 3.2 2.12007 6.7 -0.3 -2.7 -0.7 1.0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of installment loans for families with holdings
Median value of installment loans for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 4.7 7.6 10.9 12.1 12.91992 5.4 5.6 8.2 9.0 11.81995 7.2 8.1 8.0 9.7 10.61998 10.1 10.0 11.3 13.0 18.72001 9.7 10.9 11.7 13.8 13.22004 11.5 10.2 14.5 14.5 19.22007 11.4 13.0 14.0 12.0 17.1
Three-year change (percent)1992 14.9 -26.3 -24.8 -25.6 -8.51995 33.3 44.6 -2.4 7.8 -10.21998 40.3 23.5 41.2 34.0 76.42001 -4.0 9.0 3.5 6.2 -29.42004 18.6 -6.4 23.9 5.1 45.52007 -0.9 27.5 -3.4 -17.2 -10.9
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of installment loans for families with holdings
Mean value of installment loans for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 10.4 11.1 13.9 19.5 33.51992 11.5 8.9 11.2 11.4 23.41995 13.6 10.8 11.8 13.6 21.21998 17.7 13.7 16.8 17.5 43.32001 15.6 14.5 15.6 19.1 45.72004 21.2 14.3 20.9 19.5 50.82007 20.9 18.2 20.2 19.6 41.1
Three-year change (percent)1992 10.6 -19.8 -19.4 -41.5 -30.11995 18.3 21.3 5.4 19.3 -9.41998 30.1 26.9 42.4 28.7 104.22001 -11.9 5.8 -7.1 9.1 5.52004 35.9 -1.4 34.0 2.1 11.22007 -1.4 27.3 -3.3 0.5 -19.1
30
31
32
33
34
35
36P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with vehicle installment loans
Percent of families with vehicle installment loansYear All families
Level (percent)1989 34.71992 29.81995 31.71998 31.42001 35.02004 35.62007 34.9
Three-year change (percentage points)1992 -4.91995 1.91998 -0.32001 3.62004 0.62007 -0.7
7
8
9
10
11
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 9.21992 7.71995 9.21998 10.72001 10.72004 11.92007 11.6
Three-year change (percent)1992 -16.31995 19.51998 16.32001 0.02004 11.22007 -2.5
10
11
12
13
14
15
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 12.01992 9.81995 11.11998 13.72001 13.12004 14.82007 14.6
Three-year change (percent)1992 -18.31995 13.31998 23.42001 -4.42004 13.02007 -1.4
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with vehicle installment loans
Percent of families with vehicle installment loansPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 11.5 22.6 41.5 50.9 55.4 38.81992 10.0 24.4 33.5 42.3 44.7 32.81995 11.2 23.4 34.3 46.9 48.8 36.51998 12.4 25.0 37.1 42.3 44.7 36.12001 12.3 30.8 42.0 48.5 49.8 32.52004 12.8 26.7 43.6 48.7 53.6 38.92007 13.0 27.0 41.1 51.4 46.7 37.6
Three-year change (percentage points)1992 -1.5 1.8 -8.0 -8.6 -10.7 -6.01995 1.2 -1.0 0.8 4.6 4.1 3.71998 1.2 1.6 2.8 -4.6 -4.1 -0.42001 -0.1 5.8 4.9 6.2 5.1 -3.62004 0.5 -4.1 1.6 0.2 3.8 6.42007 0.2 0.3 -2.5 2.7 -6.9 -1.3
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 3.0 5.2 9.0 9.9 13.3 11.21992 3.0 4.9 6.1 9.3 10.7 11.71995 4.6 5.7 9.6 9.9 11.9 11.31998 5.8 7.6 10.3 11.6 14.4 16.02001 5.9 7.8 10.3 12.7 13.7 14.42004 6.7 8.4 10.1 14.0 15.5 18.72007 5.4 9.3 11.7 12.9 12.6 17.2
Three-year change (percent)1992 0.0 -5.8 -32.2 -6.1 -19.5 4.51995 53.3 16.3 57.4 6.5 11.2 -3.41998 26.1 33.3 7.3 17.2 21.0 41.62001 1.7 2.6 0.0 9.5 -4.9 -10.02004 13.6 7.7 -1.9 10.2 13.1 29.92007 -19.4 10.7 15.8 -7.9 -18.7 -8.0
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 4.8 7.0 10.8 13.7 14.8 16.31992 5.3 7.2 7.5 10.2 12.1 17.11995 6.6 7.5 10.0 12.0 13.8 14.71998 7.6 9.0 11.8 14.6 15.5 23.62001 8.5 9.2 11.7 14.3 17.1 18.32004 8.5 9.5 12.0 16.3 18.2 24.42007 7.4 11.2 12.7 16.1 16.4 22.3
Three-year change (percent)1992 10.4 2.9 -30.6 -25.5 -18.2 4.91995 24.5 4.2 33.3 17.6 14.0 -14.01998 15.2 20.0 18.0 21.7 12.3 60.52001 11.8 2.2 -0.8 -2.1 10.3 -22.52004 0.0 3.3 2.6 14.0 6.4 33.32007 -12.9 17.9 5.8 -1.2 -9.9 -8.6
0
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with vehicle installment loans
Percent of families with vehicle installment loansAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 37.8 50.5 47.6 27.7 14.0 5.01992 36.6 37.7 34.6 29.2 14.8 4.61995 40.1 41.6 37.9 28.1 11.8 4.61998 36.9 39.2 40.1 29.2 16.6 4.12001 45.0 46.0 37.8 31.9 15.0 7.92004 41.3 45.5 39.0 34.7 24.2 10.52007 44.3 42.6 39.1 35.2 21.6 6.1
Three-year change (percentage points)1992 -1.2 -12.8 -13.0 1.5 0.8 -0.41995 3.5 3.9 3.3 -1.1 -3.0 0.01998 -3.2 -2.4 2.2 1.1 4.8 -0.52001 8.1 6.8 -2.3 2.7 -1.6 3.82004 -3.7 -0.5 1.2 2.8 9.2 2.62007 3.0 -2.9 0.1 0.5 -2.6 -4.4
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 8.2 10.6 10.3 7.8 5.9 5.41992 7.1 9.2 7.5 7.6 6.0 4.91995 9.7 8.8 10.2 8.6 8.1 6.81998 10.5 10.0 12.4 10.8 8.7 11.32001 10.2 12.4 10.9 9.6 10.4 7.32004 10.7 12.3 12.9 14.5 10.0 7.32007 11.6 12.4 11.6 10.8 11.9 8.8
Three-year change (percent)1992 -13.4 -13.2 -27.2 -2.6 1.7 -9.31995 36.6 -4.3 36.0 13.2 35.0 38.81998 8.2 13.6 21.6 25.6 7.4 66.22001 -2.9 24.0 -12.1 -11.1 19.5 -35.42004 4.9 -0.8 18.3 51.0 -3.8 0.02007 8.4 0.8 -10.1 -25.5 19.0 20.5
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 10.5 12.8 13.5 13.7 8.0 6.51992 8.5 10.9 10.2 11.0 8.7 4.91995 11.2 10.7 12.9 9.7 7.9 10.41998 12.6 13.3 14.5 16.9 10.5 11.12001 12.5 14.0 14.4 11.9 11.5 8.32004 13.4 15.3 15.2 17.3 12.5 13.32007 14.0 15.5 15.1 14.0 14.7 10.7
Three-year change (percent)1992 -19.0 -14.8 -24.4 -19.7 8.8 -24.61995 31.8 -1.8 26.5 -11.8 -9.2 112.21998 12.5 24.3 12.4 74.2 32.9 6.72001 -0.8 5.3 -0.7 -29.6 9.5 -25.22004 7.2 9.3 5.6 45.4 8.7 60.22007 4.5 1.3 -0.7 -19.1 17.6 -19.5
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with vehicle installment loans
Percent of families with vehicle installment loansFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 26.9 30.1 8.8 50.7 33.51992 25.1 23.6 9.2 44.1 29.81995 24.0 27.7 8.9 47.6 30.21998 27.1 26.7 9.0 44.2 32.12001 34.5 29.5 10.7 50.9 31.92004 30.9 25.7 14.9 51.1 36.22007 28.3 27.5 13.4 50.4 35.4
Three-year change (percentage points)1992 -1.8 -6.5 0.4 -6.6 -3.71995 -1.1 4.1 -0.3 3.5 0.41998 3.1 -1.0 0.1 -3.4 1.92001 7.4 2.8 1.7 6.7 -0.22004 -3.6 -3.8 4.2 0.2 4.32007 -2.6 1.8 -1.5 -0.7 -0.8
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 6.5 8.2 5.2 10.2 9.71992 5.1 8.3 7.6 7.7 8.51995 5.5 8.8 6.8 9.8 9.91998 9.1 9.5 7.6 11.4 12.52001 8.3 8.8 6.8 11.8 11.82004 9.2 9.0 10.2 13.0 14.02007 9.3 8.1 6.0 12.8 13.1
Three-year change (percent)1992 -21.5 1.2 46.2 -24.5 -12.41995 7.8 6.0 -10.5 27.3 16.51998 65.5 8.0 11.8 16.3 26.32001 -8.8 -7.4 -10.5 3.5 -5.62004 10.8 2.3 50.0 10.2 18.62007 1.1 -10.0 -41.2 -1.5 -6.4
6
8
10
12
14
16
18
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 9.7 9.1 6.9 13.1 13.01992 7.3 9.4 8.1 10.1 10.81995 8.1 10.0 8.6 11.9 11.61998 9.7 10.1 11.2 14.4 16.12001 10.4 10.4 8.4 14.4 14.22004 10.2 10.4 11.3 16.2 17.02007 12.0 9.7 7.7 15.9 16.8
Three-year change (percent)1992 -24.7 3.3 17.4 -22.9 -16.91995 11.0 6.4 6.2 17.8 7.41998 19.8 1.0 30.2 21.0 38.82001 7.2 3.0 -25.0 0.0 -11.82004 -1.9 0.0 34.5 12.5 19.72007 17.6 -6.7 -31.9 -1.9 -1.2
20
25
30
35
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with vehicle installment loans
Percent of families with vehicle installment loansEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 23.4 37.5 39.0 39.01992 19.6 32.7 28.1 34.51995 21.6 35.4 33.4 32.91998 21.7 33.0 36.2 32.12001 20.0 38.3 38.1 37.12004 20.8 36.5 39.2 38.92007 23.5 35.7 37.9 37.0
Three-year change (percentage points)1992 -3.8 -4.8 -10.9 -4.51995 2.0 2.7 5.3 -1.61998 0.1 -2.4 2.8 -0.82001 -1.7 5.3 1.9 5.02004 0.8 -1.8 1.1 1.82007 2.7 -0.8 -1.3 -1.9
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 8.5 8.2 9.8 9.61992 4.3 6.6 9.8 9.61995 7.0 9.5 8.5 9.81998 10.3 10.2 10.9 11.12001 9.5 9.4 12.0 11.82004 9.6 10.1 13.0 13.12007 10.3 10.9 11.6 12.4
Three-year change (percent)1992 -49.4 -19.5 0.0 0.01995 62.8 43.9 -13.3 2.11998 47.1 7.4 28.2 13.32001 -7.8 -7.8 10.1 6.32004 1.1 7.4 8.3 11.02007 7.3 7.9 -10.8 -5.3
6
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 10.3 13.1 11.9 11.81992 6.9 8.2 10.4 12.01995 9.8 11.2 10.6 11.91998 12.3 12.5 14.4 14.82001 11.1 11.6 14.8 14.22004 12.0 13.8 15.2 16.02007 12.9 14.3 14.6 15.3
Three-year change (percent)1992 -33.0 -37.4 -12.6 1.71995 42.0 36.6 1.9 -0.81998 25.5 11.6 35.8 24.42001 -9.8 -7.2 2.8 -4.12004 8.1 19.0 2.7 12.72007 7.5 3.6 -3.9 -4.4
25
30
35
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with vehicle installment loans
Percent of families with vehicle installment loansRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 36.6 29.31992 31.4 24.91995 32.9 27.61998 32.0 29.42001 35.9 32.12004 37.4 30.92007 35.5 33.3
Three-year change (percentage points)1992 -5.2 -4.41995 1.5 2.71998 -0.9 1.82001 3.9 2.72004 1.5 -1.22007 -1.9 2.4
7
8
9
10
11
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 9.2 9.31992 7.7 7.31995 9.2 9.11998 11.1 8.52001 10.7 10.72004 12.3 10.42007 11.7 11.3
Three-year change (percent)1992 -16.3 -21.51995 19.5 24.71998 20.7 -6.62001 -3.6 25.92004 15.0 -2.82007 -4.9 8.7
9
10
11
12
13
14
15
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 12.2 11.41992 9.9 9.51995 11.2 10.81998 14.2 11.82001 13.3 12.62004 15.3 13.32007 14.8 14.0
Three-year change (percent)1992 -18.9 -16.71995 13.1 13.71998 26.8 9.32001 -6.3 6.82004 15.0 5.62007 -3.3 5.3
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with vehicle installment loans
Percent of families with vehicle installment loansCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 46.8 36.2 13.1 10.61992 39.9 31.3 12.1 16.61995 42.2 27.4 12.2 19.31998 40.3 34.0 11.0 19.92001 45.1 28.7 13.0 25.12004 43.7 36.3 17.6 20.22007 43.5 35.4 16.8 20.8
Three-year change (percentage points)1992 -6.9 -4.9 -1.0 6.01995 2.3 -3.9 0.1 2.71998 -1.9 6.6 -1.2 0.62001 4.8 -5.3 2.0 5.22004 -1.4 7.6 4.6 -4.92007 -0.2 -0.9 -0.8 0.6
4
6
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 9.0 12.5 8.3 4.31992 8.2 8.6 5.3 6.61995 9.6 9.7 8.1 5.21998 10.6 13.2 9.7 7.62001 10.9 11.7 8.9 8.12004 12.2 15.3 8.5 8.02007 11.7 14.3 9.7 10.0
Three-year change (percent)1992 -8.9 -31.2 -36.1 53.51995 17.1 12.8 52.8 -21.21998 10.4 36.1 19.8 46.22001 2.8 -11.4 -8.2 6.62004 11.9 30.8 -4.5 -1.22007 -4.1 -6.5 14.1 25.0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 11.5 18.0 10.2 5.81992 9.7 13.0 7.6 8.91995 11.4 12.5 8.9 7.41998 13.1 17.6 13.8 11.72001 13.0 17.9 10.3 10.02004 14.6 20.0 11.3 12.92007 14.4 19.8 11.8 12.3
Three-year change (percent)1992 -15.7 -27.8 -25.5 53.41995 17.5 -3.8 17.1 -16.91998 14.9 40.8 55.1 58.12001 -0.8 1.7 -25.4 -14.52004 12.3 11.7 9.7 29.02007 -1.4 -1.0 4.4 -4.7
10
20
30
40
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with vehicle installment loans
Percent of families with vehicle installment loansCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 46.6 42.5 46.1 12.61992 37.7 36.2 42.2 13.11995 37.5 36.2 45.6 13.71998 34.5 39.4 43.9 12.62001 37.9 43.3 47.3 15.02004 41.2 40.6 46.1 18.02007 43.2 37.0 46.5 17.4
Three-year change (percentage points)1992 -8.9 -6.3 -3.9 0.51995 -0.2 0.0 3.4 0.61998 -3.0 3.2 -1.7 -1.12001 3.4 3.9 3.4 2.42004 3.3 -2.7 -1.2 3.02007 2.0 -3.6 0.4 -0.6
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 10.6 7.1 9.8 7.11992 8.3 8.9 7.5 5.41995 10.0 10.1 9.1 6.61998 11.9 10.4 10.7 9.32001 11.4 11.7 10.4 8.42004 14.1 11.8 10.8 8.52007 12.9 11.4 11.4 9.8
Three-year change (percent)1992 -21.7 25.4 -23.5 -23.91995 20.5 13.5 21.3 22.21998 19.0 3.0 17.6 40.92001 -4.2 12.5 -2.8 -9.72004 23.7 0.9 3.8 1.22007 -8.5 -3.4 5.6 15.3
8
10
12
14
16
18
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 12.9 10.4 13.5 9.41992 11.2 9.8 9.4 8.01995 12.6 11.7 10.7 8.41998 15.4 13.1 12.9 13.22001 14.8 13.3 12.5 10.22004 17.1 14.6 14.1 11.62007 15.7 13.9 15.3 11.8
Three-year change (percent)1992 -13.2 -5.8 -30.4 -14.91995 12.5 19.4 13.8 5.01998 22.2 12.0 20.6 57.12001 -3.9 1.5 -3.1 -22.72004 15.5 9.8 12.8 13.72007 -8.2 -4.8 8.5 1.7
20
25
30
35
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with vehicle installment loans
Percent of families with vehicle installment loansRegion
Year Northeast Midwest South WestLevel (percent)
1989 32.1 34.5 38.4 31.31992 23.5 35.4 32.6 24.81995 27.2 35.2 33.6 28.81998 22.6 31.7 38.7 27.02001 25.1 38.1 39.6 32.52004 31.7 39.4 34.1 37.52007 26.3 35.9 37.0 37.5
Three-year change (percentage points)1992 -8.6 0.9 -5.8 -6.51995 3.7 -0.2 1.0 4.01998 -4.6 -3.5 5.1 -1.82001 2.5 6.4 0.9 5.52004 6.6 1.3 -5.5 5.02007 -5.4 -3.5 2.9 0.0
7
8
9
10
11
12
13
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 9.8 7.9 8.8 9.81992 7.6 7.3 8.5 7.51995 9.1 9.5 9.8 7.71998 11.2 10.6 10.6 10.22001 10.0 9.8 11.6 10.82004 12.7 10.8 12.0 12.42007 11.4 9.9 12.0 12.5
Three-year change (percent)1992 -22.4 -7.6 -3.4 -23.51995 19.7 30.1 15.3 2.71998 23.1 11.6 8.2 32.52001 -10.7 -7.5 9.4 5.92004 27.0 10.2 3.4 14.82007 -10.2 -8.3 0.0 0.8
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 14.7 10.5 11.7 11.91992 9.3 9.3 10.4 9.71995 10.8 11.2 11.4 10.71998 13.0 14.1 14.0 12.82001 12.0 11.8 14.4 13.12004 15.0 13.9 15.5 14.72007 14.6 11.8 15.2 16.3
Three-year change (percent)1992 -36.7 -11.4 -11.1 -18.51995 16.1 20.4 9.6 10.31998 20.4 25.9 22.8 19.62001 -7.7 -16.3 2.9 2.32004 25.0 17.8 7.6 12.22007 -2.7 -15.1 -1.9 10.9
30
32
34
36
38
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with vehicle installment loans
Percent of families with vehicle installment loansUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 33.7 39.11992 29.8 30.01995 31.9 30.71998 30.7 35.42001 34.4 38.42004 35.0 38.62007 33.8 40.2
Three-year change (percentage points)1992 -3.9 -9.11995 2.1 0.71998 -1.2 4.72001 3.7 3.02004 0.6 0.22007 -1.2 1.6
7
8
9
10
11
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 9.1 9.61992 8.2 6.81995 9.5 7.31998 10.7 10.52001 11.0 9.62004 12.4 9.92007 11.8 11.1
Three-year change (percent)1992 -9.9 -29.21995 15.9 7.41998 12.6 43.82001 2.8 -8.62004 12.7 3.12007 -4.8 12.1
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 12.1 11.91992 10.1 8.51995 11.3 9.71998 13.9 12.32001 13.4 11.52004 15.2 13.12007 14.8 13.7
Three-year change (percent)1992 -16.5 -28.61995 11.9 14.11998 23.0 26.82001 -3.6 -6.52004 13.4 13.92007 -2.6 4.6
25
30
35
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with vehicle installment loans
Percent of families with vehicle installment loansHousing status
Year Owner Renter or otherLevel (percent)
1989 38.7 27.61992 31.8 26.31995 34.1 27.31998 34.6 25.22001 37.4 29.82004 39.2 27.52007 37.5 29.2
Three-year change (percentage points)1992 -6.9 -1.31995 2.3 1.01998 0.5 -2.12001 2.8 4.62004 1.8 -2.32007 -1.7 1.7
7
8
9
10
11
12
13
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 10.4 6.71992 8.5 6.61995 9.5 8.41998 11.4 9.12001 11.7 8.02004 13.0 8.92007 12.1 9.3
Three-year change (percent)1992 -18.3 -1.51995 11.8 27.31998 20.0 8.32001 2.6 -12.12004 11.1 11.22007 -6.9 4.5
8
10
12
14
16
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 13.2 9.21992 10.6 8.21995 11.6 10.01998 14.6 11.12001 14.1 10.62004 16.2 10.52007 15.7 11.5
Three-year change (percent)1992 -19.7 -10.91995 9.4 22.01998 25.9 11.02001 -3.4 -4.52004 14.9 -0.92007 -3.1 9.5
20
25
30
35
40
45
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with vehicle installment loans
Percent of families with vehicle installment loansPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 24.2 41.4 43.2 33.9 24.41992 26.0 38.6 31.8 25.9 18.01995 25.3 39.9 35.1 30.2 20.71998 27.1 37.3 35.9 27.7 22.12001 31.1 41.1 41.2 31.0 19.62004 28.2 42.4 41.3 34.8 24.02007 30.6 41.8 38.3 32.5 23.5
Three-year change (percentage points)1992 1.8 -2.8 -11.4 -8.0 -6.41995 -0.7 1.3 3.3 4.3 2.71998 1.8 -2.6 0.8 -2.5 1.42001 4.0 3.8 5.3 3.3 -2.52004 -2.9 1.3 0.1 3.8 4.42007 2.4 -0.6 -3.0 -2.3 -0.5
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of vehicle installment loans for families with holdings
Median value of vehicle installment loans for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 4.8 8.8 10.5 10.7 11.81992 5.8 6.5 9.9 8.6 9.81995 8.4 8.7 9.7 9.4 9.91998 8.9 10.3 11.5 12.7 14.62001 8.2 10.8 10.8 13.4 13.52004 9.8 9.3 14.0 13.5 17.92007 9.5 11.9 11.8 11.8 15.3
Three-year change (percent)1992 20.8 -26.1 -5.7 -19.6 -16.91995 44.8 33.8 -2.0 9.3 1.01998 6.0 18.4 18.6 35.1 47.52001 -7.9 4.9 -6.1 5.5 -7.52004 19.5 -13.9 29.6 0.7 32.62007 -3.1 28.0 -15.7 -12.6 -14.5
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of vehicle installment loans for families with holdings
Mean value of vehicle installment loans for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 9.8 11.2 12.3 12.2 19.51992 7.5 8.3 11.4 10.4 17.81995 10.3 10.2 11.5 11.7 14.61998 11.1 12.1 13.9 15.1 24.32001 10.2 13.1 13.3 14.9 20.22004 11.7 12.0 16.7 16.5 24.92007 12.0 13.8 14.8 15.7 23.5
Three-year change (percent)1992 -23.5 -25.9 -7.3 -14.8 -8.71995 37.3 22.9 0.9 12.5 -18.01998 7.8 18.6 20.9 29.1 66.42001 -8.1 8.3 -4.3 -1.3 -16.92004 14.7 -8.4 25.6 10.7 23.32007 2.6 15.0 -11.4 -4.8 -5.6
9
10
11
12
13
14
15
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
For all families
Percent of families witheducation installment loans
Percent of families with education installment loansYear All families
Level (percent)1989 8.91992 10.71995 11.91998 11.42001 11.82004 13.52007 15.2
Three-year change (percentage points)1992 1.81995 1.21998 -0.52001 0.42004 1.72007 1.7
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 4.81992 4.81995 5.31998 8.92001 9.32004 9.92007 12.0
Three-year change (percent)1992 0.01995 10.41998 67.92001 4.52004 6.52007 21.2
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all families
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 8.71992 10.21995 10.81998 16.52001 16.02004 18.32007 21.5
Three-year change (percent)1992 17.21995 5.91998 52.82001 -3.02004 14.42007 17.5
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Percent of families witheducation installment loans
Percent of families with education installment loansPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 8.4 8.4 7.7 12.1 8.0 8.31992 10.6 7.9 14.1 11.3 12.5 6.41995 9.5 11.5 11.4 15.0 14.3 9.51998 9.9 9.4 11.7 13.0 15.5 10.22001 7.7 10.6 13.6 15.4 11.9 10.92004 10.9 10.4 15.8 17.2 14.4 12.02007 10.7 13.0 16.6 19.0 21.2 12.6
Three-year change (percentage points)1992 2.2 -0.5 6.4 -0.8 4.5 -1.91995 -1.1 3.6 -2.7 3.7 1.8 3.11998 0.4 -2.1 0.3 -2.0 1.2 0.72001 -2.2 1.2 1.9 2.4 -3.6 0.72004 3.2 -0.2 2.2 1.8 2.5 1.12007 -0.2 2.6 0.8 1.8 6.8 0.6
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 4.0 4.7 6.4 5.3 3.7 4.51992 4.1 4.3 4.8 5.7 4.0 9.11995 5.4 5.4 4.7 4.1 6.6 9.91998 7.6 7.9 6.7 10.2 6.6 12.72001 6.4 8.2 8.8 9.4 15.8 11.22004 6.9 11.0 11.0 8.8 11.4 11.02007 8.7 9.7 10.0 17.0 12.0 16.2
Three-year change (percent)1992 2.5 -8.5 -25.0 7.5 8.1 102.21995 31.7 25.6 -2.1 -28.1 65.0 8.81998 40.7 46.3 42.6 148.8 0.0 28.32001 -15.8 3.8 31.3 -7.8 139.4 -11.82004 7.8 34.1 25.0 -6.4 -27.8 -1.82007 26.1 -11.8 -9.1 93.2 5.3 47.3
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of income
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 8.2 5.4 11.3 10.2 5.8 10.31992 6.3 10.3 13.9 8.0 9.5 15.71995 8.6 9.5 12.7 9.0 14.4 13.71998 12.2 15.4 18.0 17.2 14.0 25.82001 10.6 14.4 15.3 14.1 19.3 30.52004 16.5 18.5 17.0 17.9 18.1 26.52007 17.2 15.7 19.4 24.0 24.5 33.3
Three-year change (percent)1992 -23.2 90.7 23.0 -21.6 63.8 52.41995 36.5 -7.8 -8.6 12.5 51.6 -12.71998 41.9 62.1 41.7 91.1 -2.8 88.32001 -13.1 -6.5 -15.0 -18.0 37.9 18.22004 55.7 28.5 11.1 27.0 -6.2 -13.12007 4.2 -15.1 14.1 34.1 35.4 25.7
0
10
20
30
40
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Percent of families witheducation installment loans
Percent of families with education installment loansAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 17.1 10.9 7.3 4.1 0.9 0.01992 24.3 12.7 5.4 3.0 2.0 0.01995 24.4 13.0 11.3 4.1 1.4 1.71998 23.6 12.9 10.3 5.6 1.7 0.12001 26.1 12.5 11.0 5.2 0.6 0.12004 28.6 14.6 12.6 8.7 0.8 1.02007 33.8 14.9 14.5 10.6 1.7 0.3
Three-year change (percentage points)1992 7.2 1.8 -1.9 -1.1 1.1 0.01995 0.1 0.3 5.9 1.1 -0.6 1.71998 -0.8 -0.1 -1.0 1.5 0.3 -1.62001 2.5 -0.4 0.7 -0.4 -1.1 0.02004 2.5 2.1 1.6 3.5 0.2 0.92007 5.2 0.3 1.9 1.9 0.9 -0.7
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 4.8 3.2 5.4 4.0 6.7 .1992 4.7 3.9 5.3 10.6 8.8 1.81995 5.4 4.3 7.0 5.4 6.6 1.41998 12.7 5.9 7.6 9.2 3.8 17.12001 9.4 9.4 7.0 9.4 2.1 6.22004 10.1 10.6 7.6 9.9 2.2 5.52007 13.0 12.0 12.0 7.1 18.0 20.0
Three-year change (percent)1992 -2.1 21.9 -1.9 165.0 31.3 .1995 14.9 10.3 32.1 -49.1 -25.0 -22.21998 135.2 37.2 8.6 70.4 -42.4 1121.42001 -26.0 59.3 -7.9 2.2 -44.7 -63.72004 7.4 12.8 8.6 5.3 4.8 -11.32007 28.7 13.2 57.9 -28.3 718.2 263.6
0
10
20
30
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of head
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 9.3 7.9 10.0 5.0 8.4 .1992 9.6 11.7 7.1 15.4 10.1 1.81995 10.9 9.3 13.7 10.4 7.3 1.61998 19.0 12.4 16.0 19.6 4.9 17.12001 14.2 23.4 11.6 17.6 1.7 7.22004 17.9 20.6 17.6 16.0 3.0 38.22007 23.6 18.7 20.7 18.7 19.7 20.0
Three-year change (percent)1992 3.2 48.1 -29.0 208.0 20.2 .1995 13.5 -20.5 93.0 -32.5 -27.7 -11.11998 74.3 33.3 16.8 88.5 -32.9 968.82001 -25.3 88.7 -27.5 -10.2 -65.3 -57.92004 26.1 -12.0 51.7 -9.1 76.5 430.62007 31.8 -9.2 17.6 16.9 556.7 -47.6
0
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Percent of families witheducation installment loans
Percent of families with education installment loansFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 17.0 15.2 1.3 8.9 5.91992 15.0 15.5 0.2 13.5 8.21995 13.7 14.0 1.6 17.3 8.61998 13.6 16.5 0.4 14.4 9.22001 14.3 16.2 0.9 14.9 10.02004 14.4 19.7 1.8 18.0 10.52007 20.2 18.7 1.3 20.7 12.5
Three-year change (percentage points)1992 -2.0 0.3 -1.1 4.6 2.31995 -1.3 -1.5 1.4 3.8 0.41998 -0.1 2.5 -1.2 -2.9 0.62001 0.7 -0.3 0.5 0.5 0.82004 0.1 3.5 0.9 3.1 0.52007 5.8 -1.0 -0.5 2.7 2.0
0
5
10
15
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 2.6 4.7 4.0 5.9 5.61992 3.9 4.7 2.8 5.2 5.31995 4.1 5.4 1.4 5.1 6.41998 3.8 10.2 3.0 8.7 13.42001 5.7 10.5 2.2 9.0 10.32004 7.7 8.8 14.3 11.0 8.82007 7.0 11.7 4.0 12.0 16.1
Three-year change (percent)1992 50.0 0.0 -30.0 -11.9 -5.41995 5.1 14.9 -50.0 -1.9 20.81998 -7.3 88.9 114.3 70.6 109.42001 50.0 2.9 -26.7 3.4 -23.12004 35.1 -16.2 550.0 22.2 -14.62007 -9.1 33.0 -72.0 9.1 83.0
0
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structure
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 5.3 9.9 4.2 10.6 7.61992 5.7 9.1 2.8 12.9 9.71995 7.3 9.2 2.4 10.2 17.01998 10.1 16.6 3.9 16.0 22.02001 14.3 17.4 8.9 13.5 20.02004 18.1 16.5 16.1 18.0 21.32007 11.8 22.1 8.3 22.8 26.2
Three-year change (percent)1992 7.5 -8.1 -33.3 21.7 27.61995 28.1 1.1 -14.3 -20.9 75.31998 38.4 80.4 62.5 56.9 29.42001 41.6 4.8 128.2 -15.6 -9.12004 26.6 -5.2 80.9 33.3 6.52007 -34.8 33.9 -48.4 26.7 23.0
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Percent of families witheducation installment loans
Percent of families with education installment loansEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 1.5 7.0 12.5 15.71992 2.4 7.4 12.6 18.01995 2.4 8.6 16.0 18.41998 2.6 5.7 15.0 19.12001 2.8 8.5 14.5 17.62004 3.4 6.7 20.5 19.62007 5.7 8.8 18.0 23.4
Three-year change (percentage points)1992 0.9 0.4 0.1 2.31995 0.0 1.2 3.4 0.41998 0.2 -2.9 -1.0 0.72001 0.2 2.8 -0.5 -1.52004 0.6 -1.8 6.0 2.02007 2.3 2.1 -2.5 3.8
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 3.7 4.0 5.1 5.31992 3.6 3.8 3.9 5.71995 6.2 3.4 4.7 6.81998 4.9 4.3 7.6 10.92001 3.2 5.8 6.2 12.32004 5.5 5.5 7.0 15.42007 6.0 6.2 9.6 18.8
Three-year change (percent)1992 -2.7 -5.0 -23.5 7.51995 72.2 -10.5 20.5 19.31998 -21.0 26.5 61.7 60.32001 -34.7 34.9 -18.4 12.82004 71.9 -5.2 12.9 25.22007 9.1 12.7 37.1 22.1
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of head
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 4.5 5.7 7.3 11.31992 3.8 5.8 6.2 14.11995 5.3 5.8 11.4 13.21998 7.5 7.0 14.7 20.62001 5.1 9.6 9.9 22.42004 8.5 13.5 12.5 23.42007 9.4 12.5 13.6 28.9
Three-year change (percent)1992 -15.6 1.8 -15.1 24.81995 39.5 0.0 83.9 -6.41998 41.5 20.7 28.9 56.12001 -32.0 37.1 -32.7 8.72004 66.7 40.6 26.3 4.52007 10.6 -7.4 8.8 23.5
8
10
12
14
16
18
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Percent of families witheducation installment loans
Percent of families with education installment loansRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 8.3 10.81992 10.8 10.31995 11.6 12.71998 11.4 11.42001 11.2 13.52004 13.7 12.92007 13.9 18.5
Three-year change (percentage points)1992 2.5 -0.51995 0.8 2.41998 -0.2 -1.32001 -0.2 2.12004 2.5 -0.62007 0.2 5.6
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 5.2 4.01992 5.1 4.21995 5.3 5.41998 9.5 6.52001 9.4 5.82004 11.0 7.72007 12.5 9.6
Three-year change (percent)1992 -1.9 5.01995 3.9 28.61998 79.2 20.42001 -1.1 -10.82004 17.0 32.82007 13.6 24.7
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondent
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 10.0 5.91992 11.3 6.71995 10.5 11.61998 18.2 10.82001 16.9 13.62004 19.1 16.12007 23.4 18.0
Three-year change (percent)1992 13.0 13.61995 -7.1 73.11998 73.3 -6.92001 -7.1 25.92004 13.0 18.42007 22.5 11.8
0
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Percent of families witheducation installment loans
Percent of families with education installment loansCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 11.9 8.4 1.4 13.21992 14.2 10.1 2.3 14.81995 15.6 12.3 2.0 16.01998 15.1 9.5 1.8 18.32001 15.7 9.6 0.8 20.22004 17.8 9.4 2.0 27.72007 20.1 11.1 3.7 23.9
Three-year change (percentage points)1992 2.3 1.7 0.9 1.61995 1.4 2.2 -0.3 1.21998 -0.5 -2.8 -0.2 2.32001 0.6 0.1 -1.0 1.92004 2.1 -0.2 1.2 7.52007 2.3 1.7 1.7 -3.8
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 5.3 5.1 4.0 2.71992 4.8 5.0 5.2 4.31995 5.1 5.1 3.5 7.61998 8.9 6.7 4.5 10.22001 8.2 10.5 19.8 9.42004 9.9 16.5 5.5 8.22007 12.0 13.0 10.0 10.0
Three-year change (percent)1992 -9.4 -2.0 30.0 59.31995 6.2 2.0 -32.7 76.71998 74.5 31.4 28.6 34.22001 -7.9 56.7 340.0 -7.82004 20.7 57.1 -72.2 -12.82007 21.2 -21.2 81.8 22.0
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of head
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 8.5 11.3 10.6 7.51992 10.6 10.7 7.0 8.91995 10.9 11.3 5.6 11.81998 16.7 15.3 8.1 19.72001 15.1 24.2 17.7 14.62004 17.8 22.9 7.4 23.12007 21.3 30.2 13.6 21.0
Three-year change (percent)1992 24.7 -5.3 -34.0 18.71995 2.8 5.6 -20.0 32.61998 53.2 35.4 44.6 66.92001 -9.6 58.2 118.5 -25.92004 17.9 -5.4 -58.2 58.22007 19.7 31.9 83.8 -9.1
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Percent of families witheducation installment loans
Percent of families with education installment loansCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 14.1 13.2 7.2 3.81992 17.8 12.0 10.5 5.31995 17.9 16.8 11.2 4.91998 19.0 13.5 10.2 4.72001 16.5 15.6 11.4 4.02004 19.7 13.8 14.8 6.02007 22.6 17.9 14.7 6.9
Three-year change (percentage points)1992 3.7 -1.2 3.3 1.51995 0.1 4.8 0.7 -0.41998 1.1 -3.3 -1.0 -0.22001 -2.5 2.1 1.2 -0.72004 3.2 -1.8 3.4 2.02007 2.9 4.1 -0.1 0.9
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 5.1 5.1 5.9 2.81992 4.8 4.1 5.2 4.61995 6.1 4.7 4.7 6.81998 12.7 7.6 4.8 6.42001 10.5 8.0 6.7 9.42004 15.3 7.7 7.6 7.72007 17.0 10.0 8.0 10.0
Three-year change (percent)1992 -5.9 -19.6 -11.9 64.31995 27.1 14.6 -9.6 47.81998 108.2 61.7 2.1 -5.92001 -17.3 5.3 39.6 46.92004 45.7 -3.8 13.4 -18.12007 11.1 29.9 5.3 29.9
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of head
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 11.0 7.1 7.7 8.41992 14.6 7.8 7.0 8.31995 14.4 9.3 9.0 9.81998 22.7 12.8 10.0 16.02001 20.4 14.3 11.0 15.22004 22.3 15.9 13.6 18.72007 28.3 18.6 14.0 17.7
Three-year change (percent)1992 32.7 9.9 -9.1 -1.21995 -1.4 19.2 28.6 18.11998 57.6 37.6 11.1 63.32001 -10.1 11.7 10.0 -5.02004 9.3 11.2 23.6 23.02007 26.9 17.0 2.9 -5.3
8
10
12
14
16
18
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Percent of families witheducation installment loans
Percent of families with education installment loansRegion
Year Northeast Midwest South WestLevel (percent)
1989 10.8 7.9 8.7 8.71992 11.7 11.3 10.0 10.01995 16.4 12.0 8.7 12.71998 11.8 11.0 9.4 14.62001 11.6 12.9 10.5 12.82004 14.3 14.6 11.7 14.72007 17.4 15.4 13.9 15.5
Three-year change (percentage points)1992 0.9 3.4 1.3 1.31995 4.7 0.7 -1.3 2.71998 -4.6 -1.0 0.7 1.92001 -0.2 1.9 1.1 -1.82004 2.7 1.7 1.2 1.92007 3.1 0.8 2.2 0.8
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 4.6 5.9 4.4 4.01992 4.3 5.8 5.3 3.91995 4.8 5.4 5.8 5.11998 7.3 8.9 8.9 8.92001 10.0 9.4 6.4 10.32004 11.4 12.7 7.7 9.02007 12.0 14.8 11.3 12.5
Three-year change (percent)1992 -6.5 -1.7 20.5 -2.51995 11.6 -6.9 9.4 30.81998 52.1 64.8 53.4 74.52001 37.0 5.6 -28.1 15.72004 14.0 35.1 20.3 -12.62007 5.3 16.5 46.8 38.9
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By region
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 11.4 9.1 7.6 6.71992 9.8 15.2 8.7 6.71995 15.2 10.1 9.1 8.21998 18.3 15.9 14.6 17.92001 16.5 15.5 13.1 20.12004 21.5 19.7 15.9 17.42007 18.9 22.1 22.1 22.2
Three-year change (percent)1992 -14.0 67.0 14.5 0.01995 55.1 -33.6 4.6 22.41998 20.4 57.4 60.4 118.32001 -9.8 -2.5 -10.3 12.32004 30.3 27.1 21.4 -13.42007 -12.1 12.2 39.0 27.6
6
8
10
12
14
16
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Percent of families witheducation installment loans
Percent of families with education installment loansUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 9.8 5.41992 10.9 9.61995 12.4 8.81998 11.5 10.92001 12.2 9.02004 13.9 11.62007 15.9 12.0
Three-year change (percentage points)1992 1.1 4.21995 1.5 -0.81998 -0.9 2.12001 0.7 -1.92004 1.7 2.62007 2.0 0.4
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 4.7 5.91992 4.8 4.31995 5.4 4.11998 8.7 10.62001 9.4 6.42004 10.1 7.72007 12.5 8.0
Three-year change (percent)1992 2.1 -27.11995 12.5 -4.71998 61.1 158.52001 8.0 -39.62004 7.4 20.32007 23.8 3.9
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicity
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 8.9 7.21992 10.4 9.51995 10.8 10.81998 16.7 15.72001 16.4 12.82004 18.7 16.22007 22.6 13.9
Three-year change (percent)1992 16.9 31.91995 3.8 13.71998 54.6 45.42001 -1.8 -18.52004 14.0 26.62007 20.9 -14.2
5
10
15
20
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Percent of families witheducation installment loans
Percent of families with education installment loansHousing status
Year Owner Renter or otherLevel (percent)
1989 6.7 12.81992 7.3 16.61995 9.3 16.61998 9.2 15.62001 9.6 16.32004 11.0 19.12007 12.8 20.6
Three-year change (percentage points)1992 0.6 3.81995 2.0 0.01998 -0.1 -1.02001 0.4 0.72004 1.4 2.82007 1.8 1.5
4
6
8
10
12
14
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 4.9 4.81992 5.3 4.61995 4.7 5.41998 7.9 10.22001 9.4 8.22004 10.7 9.32007 14.8 10.0
Three-year change (percent)1992 8.2 -4.21995 -11.3 17.41998 68.1 88.92001 19.0 -19.62004 13.8 13.42007 38.3 7.5
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing status
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 8.3 9.21992 13.0 8.01995 10.7 10.91998 14.9 18.42001 17.3 14.52004 19.1 17.32007 24.1 17.9
Three-year change (percent)1992 56.6 -13.01995 -17.7 36.21998 39.3 68.82001 16.1 -21.22004 10.4 19.32007 26.2 3.5
0
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Percent of families witheducation installment loans
Percent of families with education installment loansPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 14.4 9.3 6.8 6.4 3.31992 20.2 10.5 6.9 5.7 4.01995 19.7 12.7 9.5 6.3 4.61998 20.5 11.7 8.4 5.4 4.32001 19.7 11.5 10.6 7.4 2.02004 23.3 14.2 10.6 6.7 4.52007 25.7 15.2 13.0 8.0 5.6
Three-year change (percentage points)1992 5.8 1.2 0.1 -0.7 0.71995 -0.5 2.2 2.6 0.6 0.61998 0.8 -1.0 -1.1 -0.9 -0.32001 -0.8 -0.2 2.2 2.0 -2.32004 3.6 2.7 0.0 -0.7 2.52007 2.4 1.0 2.4 1.3 1.1
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Median value of education installmentloans for families with holdings
Median value of education installment loans for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 4.8 4.0 5.4 5.6 3.21992 5.2 3.8 3.7 3.6 8.31995 6.8 4.8 3.9 6.5 4.71998 12.7 5.7 8.7 4.8 10.22001 10.5 5.8 9.4 9.8 16.42004 11.0 7.7 11.0 8.8 8.22007 12.0 12.0 10.0 12.0 19.0
Three-year change (percent)1992 8.3 -5.0 -31.5 -35.7 159.41995 30.8 26.3 5.4 80.6 -43.41998 86.8 18.8 123.1 -26.2 117.02001 -17.3 1.8 8.0 104.2 60.82004 4.8 32.8 17.0 -10.2 -50.02007 9.1 55.8 -9.1 36.4 131.7
10
20
30
40
50
60
70
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worth
Mean value of education installmentloans for families with holdings
Mean value of education installment loans for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 10.5 5.5 7.1 13.9 5.71992 12.7 7.0 7.9 7.2 16.51995 13.7 7.7 7.8 13.8 10.71998 21.8 10.9 14.5 8.6 17.12001 16.6 11.1 13.5 22.9 66.42004 19.5 14.3 20.8 22.2 11.92007 21.1 19.0 21.5 25.2 34.6
Three-year change (percent)1992 21.0 27.3 11.3 -48.2 189.51995 7.9 10.0 -1.3 91.7 -35.21998 59.1 41.6 85.9 -37.7 59.82001 -23.9 1.8 -6.9 166.3 288.32004 17.5 28.8 54.1 -3.1 -82.12007 8.2 32.9 3.4 13.5 190.8
5
10
15
20
25P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with other installment loans
Percent of families with other installment loansYear All families
Level (percent)1989 22.01992 19.11995 16.01998 12.22001 11.02004 8.52007 10.1
Three-year change (percentage points)1992 -2.91995 -3.11998 -3.82001 -1.22004 -2.52007 1.6
1.6
1.8
2
2.2
2.4
2.6
2.8
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 2.31992 1.61995 1.91998 2.12001 2.32004 2.72007 2.8
Three-year change (percent)1992 -30.41995 18.81998 10.52001 9.52004 17.42007 3.7
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 9.41992 6.21995 6.71998 13.52001 12.72004 20.62007 14.7
Three-year change (percent)1992 -34.01995 8.11998 101.52001 -5.92004 62.22007 -28.6
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with other installment loans
Percent of families with other installment loansPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 20.2 23.5 23.4 26.6 19.5 13.31992 17.3 20.5 25.3 19.4 15.3 10.31995 11.2 17.1 18.9 18.9 18.2 9.81998 10.3 11.1 15.6 12.0 13.6 10.82001 10.2 13.6 11.5 10.4 10.0 8.42004 7.3 11.5 10.0 8.5 7.1 3.72007 9.8 12.5 12.6 8.9 8.3 5.3
Three-year change (percentage points)1992 -2.9 -3.0 1.9 -7.2 -4.2 -3.01995 -6.1 -3.4 -6.4 -0.5 2.9 -0.51998 -0.9 -6.0 -3.3 -6.9 -4.6 1.02001 -0.1 2.5 -4.1 -1.6 -3.6 -2.42004 -2.9 -2.1 -1.5 -1.9 -2.9 -4.72007 2.5 1.0 2.6 0.4 1.2 1.6
0
5
10
15
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 0.8 1.7 2.4 3.2 2.6 13.61992 1.4 1.4 1.5 1.9 1.9 7.21995 1.0 1.4 2.1 2.0 3.0 6.81998 1.4 1.4 1.8 2.4 3.0 12.62001 1.6 2.1 2.4 2.3 3.7 3.52004 1.5 2.0 2.9 2.9 5.5 5.12007 2.3 1.6 2.9 3.2 4.2 6.3
Three-year change (percent)1992 75.0 -17.6 -37.5 -40.6 -26.9 -47.11995 -28.6 0.0 40.0 5.3 57.9 -5.61998 40.0 0.0 -14.3 20.0 0.0 85.32001 14.3 50.0 33.3 -4.2 23.3 -72.22004 -6.2 -4.8 20.8 26.1 48.6 45.72007 53.3 -20.0 0.0 10.3 -23.6 23.5
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 2.4 5.3 9.5 10.0 6.2 47.01992 3.9 5.7 5.3 5.9 3.8 24.21995 4.8 4.1 6.0 5.5 8.6 23.11998 5.3 5.4 7.4 21.3 19.6 38.92001 7.4 7.4 6.5 8.6 11.6 70.82004 4.6 15.7 12.9 23.0 38.7 108.62007 11.5 14.4 8.8 12.4 9.1 72.7
Three-year change (percent)1992 62.5 7.5 -44.2 -41.0 -38.7 -48.51995 23.1 -28.1 13.2 -6.8 126.3 -4.51998 10.4 31.7 23.3 287.3 127.9 68.42001 39.6 37.0 -12.2 -59.6 -40.8 82.02004 -37.8 112.2 98.5 167.4 233.6 53.42007 150.0 -8.3 -31.8 -46.1 -76.5 -33.1
0
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with other installment loans
Percent of families with other installment loansAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 30.7 30.1 21.5 12.3 11.3 6.21992 26.8 24.6 20.7 13.3 8.5 3.71995 22.8 22.8 17.6 8.7 4.9 3.31998 19.1 15.9 12.5 7.6 6.2 0.32001 17.9 13.8 8.8 8.5 6.7 1.52004 13.2 10.3 8.4 6.4 4.6 2.62007 13.5 14.3 10.7 8.7 6.0 1.0
Three-year change (percentage points)1992 -3.9 -5.5 -0.8 1.0 -2.8 -2.51995 -4.0 -1.8 -3.1 -4.6 -3.6 -0.41998 -3.7 -6.9 -5.1 -1.1 1.3 -3.02001 -1.2 -2.1 -3.7 0.9 0.5 1.22004 -4.7 -3.5 -0.4 -2.1 -2.1 1.12007 0.3 4.0 2.3 2.3 1.4 -1.6
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 1.6 3.1 3.7 1.6 1.4 2.91992 1.3 1.5 1.9 2.2 2.7 4.51995 1.4 2.3 2.6 1.2 1.5 0.91998 1.5 2.8 2.9 1.3 2.4 0.52001 1.8 2.6 2.9 3.7 3.3 5.82004 1.6 4.9 3.2 4.0 2.7 20.32007 1.7 3.0 3.7 3.4 5.5 2.0
Three-year change (percent)1992 -18.8 -51.6 -48.6 37.5 92.9 55.21995 7.7 53.3 36.8 -45.5 -44.4 -80.01998 7.1 21.7 11.5 8.3 60.0 -44.42001 20.0 -7.1 0.0 184.6 37.5 1060.02004 -11.1 88.5 10.3 8.1 -18.2 250.02007 6.2 -38.8 15.6 -15.0 103.7 -90.1
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 7.1 11.3 11.8 10.9 5.5 14.91992 5.6 6.0 5.8 6.4 8.9 14.21995 4.9 5.4 11.4 4.8 14.9 3.01998 10.7 14.8 15.9 16.3 13.1 1.72001 5.9 14.9 18.4 18.9 8.3 54.62004 10.4 13.6 14.5 21.5 25.0 206.22007 6.3 14.3 20.1 25.8 13.9 2.2
Three-year change (percent)1992 -21.1 -46.9 -50.8 -41.3 61.8 -4.71995 -12.5 -10.0 96.6 -25.0 67.4 -78.91998 118.4 174.1 39.5 239.6 -12.1 -43.32001 -44.9 0.7 15.7 16.0 -36.6 3111.82004 76.3 -8.7 -21.2 13.8 201.2 277.72007 -39.4 5.1 38.6 20.0 -44.4 -98.9
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with other installment loans
Percent of families with other installment loansFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 25.2 21.0 8.3 30.5 16.81992 27.1 22.7 6.7 23.4 14.81995 19.8 19.0 5.5 21.3 11.71998 12.9 13.0 2.8 17.5 9.82001 12.9 13.7 4.5 14.3 8.12004 8.3 13.6 5.5 9.4 6.32007 13.4 11.9 6.7 12.7 6.5
Three-year change (percentage points)1992 1.9 1.7 -1.6 -7.1 -2.01995 -7.3 -3.7 -1.2 -2.1 -3.11998 -6.9 -6.0 -2.7 -3.8 -1.92001 0.0 0.7 1.7 -3.2 -1.72004 -4.6 -0.1 1.0 -4.9 -1.82007 5.1 -1.7 1.2 3.3 0.2
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 0.8 1.6 1.4 2.7 2.81992 1.3 1.3 3.8 1.6 2.21995 1.2 2.1 1.5 2.1 2.21998 1.5 1.9 1.3 2.6 1.82001 1.6 2.3 1.2 2.3 2.42004 1.4 2.2 3.2 2.9 4.42007 2.4 2.2 2.8 2.7 4.8
Three-year change (percent)1992 62.5 -18.8 171.4 -40.7 -21.41995 -7.7 61.5 -60.5 31.2 0.01998 25.0 -9.5 -13.3 23.8 -18.22001 6.7 21.1 -7.7 -11.5 33.32004 -12.5 -4.3 166.7 26.1 83.32007 71.4 0.0 -12.5 -6.9 9.1
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 3.8 7.5 5.8 11.1 11.41992 4.7 4.3 6.9 7.1 7.11995 3.5 4.5 6.6 7.2 9.91998 8.8 15.7 10.7 16.2 8.82001 6.6 15.0 10.3 14.4 11.92004 16.8 7.2 14.6 16.1 50.62007 8.4 7.8 5.5 13.7 34.7
Three-year change (percent)1992 23.7 -42.7 19.0 -36.0 -37.71995 -25.5 4.7 -4.3 1.4 39.41998 151.4 248.9 62.1 125.0 -11.12001 -25.0 -4.5 -3.7 -11.1 35.22004 154.5 -52.0 41.7 11.8 325.22007 -50.0 8.3 -62.3 -14.9 -31.4
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with other installment loans
Percent of families with other installment loansEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 23.1 21.3 25.7 19.91992 17.6 19.9 20.5 18.41995 15.1 16.4 18.1 14.91998 10.3 13.4 14.0 11.22001 10.9 12.2 11.7 9.52004 8.5 10.1 11.3 5.92007 10.9 11.5 11.4 7.9
Three-year change (percentage points)1992 -5.5 -1.4 -5.2 -1.51995 -2.5 -3.5 -2.4 -3.51998 -4.8 -3.0 -4.1 -3.72001 0.6 -1.2 -2.3 -1.72004 -2.4 -2.1 -0.4 -3.62007 2.4 1.4 0.1 2.0
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 1.3 1.3 2.9 3.31992 1.4 1.4 1.5 2.21995 1.1 1.9 1.4 3.91998 1.0 1.7 2.5 3.82001 2.2 2.0 2.3 3.72004 1.9 2.2 3.1 5.02007 2.0 2.5 4.0 3.0
Three-year change (percent)1992 7.7 7.7 -48.3 -33.31995 -21.4 35.7 -6.7 77.31998 -9.1 -10.5 78.6 -2.62001 120.0 17.6 -8.0 -2.62004 -13.6 10.0 34.8 35.12007 5.3 13.6 29.0 -40.0
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 3.9 5.6 8.7 20.11992 4.3 5.1 4.1 9.71995 3.9 5.4 4.3 11.51998 7.3 5.5 21.5 20.12001 7.0 5.4 9.0 26.92004 9.2 11.8 9.8 50.02007 6.2 9.8 21.5 20.9
Three-year change (percent)1992 10.3 -8.9 -52.9 -51.71995 -9.3 5.9 4.9 18.61998 87.2 1.9 400.0 74.82001 -4.1 -1.8 -58.1 33.82004 31.4 118.5 8.9 85.92007 -32.6 -16.9 119.4 -58.2
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with other installment loans
Percent of families with other installment loansRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 20.9 25.41992 17.9 22.51995 15.8 16.71998 12.3 12.02001 10.6 12.02004 8.3 9.12007 9.2 12.2
Three-year change (percentage points)1992 -3.0 -2.91995 -2.1 -5.81998 -3.5 -4.72001 -1.7 0.02004 -2.3 -2.92007 0.9 3.1
1
1.5
2
2.5
3
3.5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 2.9 1.11992 1.9 1.31995 2.3 1.11998 2.1 2.22001 2.6 1.62004 3.2 2.12007 3.5 1.9
Three-year change (percent)1992 -34.5 18.21995 21.1 -15.41998 -8.7 100.02001 23.8 -27.32004 23.1 31.22007 9.4 -9.5
0
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 11.1 5.11992 7.2 3.71995 6.9 6.01998 15.0 8.52001 14.5 7.72004 21.8 17.72007 17.4 9.9
Three-year change (percent)1992 -35.1 -27.51995 -4.2 62.21998 117.4 41.72001 -3.3 -9.42004 50.3 129.92007 -20.2 -44.1
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with other installment loans
Percent of families with other installment loansCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 25.4 23.5 13.1 24.51992 22.6 21.0 10.1 21.81995 20.5 15.8 6.1 14.61998 14.9 14.1 5.2 11.02001 12.5 11.9 5.3 15.92004 10.0 7.1 5.5 9.32007 11.8 7.1 6.4 14.9
Three-year change (percentage points)1992 -2.8 -2.5 -3.0 -2.71995 -2.1 -5.2 -4.0 -7.21998 -5.6 -1.7 -0.9 -3.62001 -2.4 -2.2 0.1 4.92004 -2.5 -4.8 0.2 -6.62007 1.8 0.0 0.9 5.6
0
2
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 2.4 7.1 1.4 0.81992 1.4 2.9 2.2 1.31995 2.0 2.2 1.1 2.31998 1.9 10.2 1.3 1.52001 2.2 4.1 2.4 2.32004 2.2 5.5 3.3 1.82007 2.5 11.3 3.0 1.7
Three-year change (percent)1992 -41.7 -59.2 57.1 62.51995 42.9 -24.1 -50.0 76.91998 -5.0 363.6 18.2 -34.82001 15.8 -59.8 84.6 53.32004 0.0 34.1 37.5 -21.72007 13.6 105.5 -9.1 -5.6
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 6.4 31.1 6.9 6.11992 4.9 11.9 7.5 5.41995 6.1 11.2 6.1 6.11998 10.6 40.4 5.0 3.32001 9.5 36.6 5.3 12.72004 13.0 26.9 54.2 12.22007 9.9 53.5 19.4 11.5
Three-year change (percent)1992 -23.4 -61.7 8.7 -11.51995 24.5 -5.9 -18.7 13.01998 73.8 260.7 -18.0 -45.92001 -10.4 -9.4 6.0 284.82004 36.8 -26.5 922.6 -3.92007 -23.8 98.9 -64.2 -5.7
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with other installment loans
Percent of families with other installment loansCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 23.0 23.1 28.8 15.51992 20.7 23.1 23.1 12.91995 17.4 19.3 22.1 7.81998 12.8 13.9 17.5 6.22001 10.7 13.3 13.7 7.12004 7.3 11.3 10.6 6.12007 10.1 11.7 11.9 7.7
Three-year change (percentage points)1992 -2.3 0.0 -5.7 -2.61995 -3.3 -3.8 -1.0 -5.11998 -4.6 -5.4 -4.6 -1.62001 -2.1 -0.6 -3.8 0.92004 -3.4 -2.0 -3.1 -1.02007 2.8 0.4 1.3 1.6
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 4.4 2.2 1.8 1.31992 2.2 1.7 1.2 1.51995 2.6 2.0 1.5 1.41998 3.8 2.0 1.9 1.52001 3.5 2.3 2.2 2.32004 4.7 2.2 2.2 3.12007 3.6 3.0 2.4 2.0
Three-year change (percent)1992 -50.0 -22.7 -33.3 15.41995 18.2 17.6 25.0 -6.71998 46.2 0.0 26.7 7.12001 -7.9 15.0 15.8 53.32004 34.3 -4.3 0.0 34.82007 -23.4 36.4 9.1 -35.5
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 18.1 5.4 8.1 6.71992 9.6 4.6 4.1 6.71995 7.0 7.6 5.9 6.11998 22.2 13.4 11.3 4.52001 26.0 8.5 7.1 8.02004 23.5 12.9 8.8 44.22007 23.7 11.3 6.4 17.0
Three-year change (percent)1992 -47.0 -14.8 -49.4 0.01995 -27.1 65.2 43.9 -9.01998 217.1 76.3 91.5 -26.22001 17.1 -36.6 -37.2 77.82004 -9.6 51.8 23.9 452.52007 0.9 -12.4 -27.3 -61.5
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with other installment loans
Percent of families with other installment loansRegion
Year Northeast Midwest South WestLevel (percent)
1989 16.2 16.3 27.3 25.91992 13.7 17.5 21.3 22.41995 12.3 16.5 18.4 15.01998 10.4 11.9 12.9 13.22001 7.1 9.9 12.5 13.02004 6.1 9.6 8.1 10.12007 7.7 12.1 10.3 9.8
Three-year change (percentage points)1992 -2.5 1.2 -6.0 -3.51995 -1.4 -1.0 -2.9 -7.41998 -1.9 -4.6 -5.5 -1.82001 -3.3 -2.0 -0.4 -0.22004 -1.0 -0.3 -4.4 -2.92007 1.6 2.5 2.2 -0.3
1.5
2
2.5
3
3.5
4
4.5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 2.6 3.2 1.5 2.61992 1.5 1.7 1.4 1.81995 2.8 2.0 1.4 2.21998 3.3 2.6 1.8 2.22001 4.7 2.3 2.1 2.32004 3.9 2.9 1.8 3.42007 3.6 2.0 2.9 2.6
Three-year change (percent)1992 -42.3 -46.9 -6.7 -30.81995 86.7 17.6 0.0 22.21998 17.9 30.0 28.6 0.02001 42.4 -11.5 16.7 4.52004 -17.0 26.1 -14.3 47.82007 -7.7 -31.0 61.1 -23.5
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 15.3 11.8 6.6 8.81992 7.8 6.6 4.4 7.51995 8.6 8.4 3.9 8.61998 13.6 13.7 9.6 19.92001 11.9 14.6 13.0 10.92004 13.8 29.3 15.5 22.12007 18.1 6.5 19.1 15.5
Three-year change (percent)1992 -49.0 -44.1 -33.3 -14.81995 10.3 27.3 -11.4 14.71998 58.1 63.1 146.2 131.42001 -12.5 6.6 35.4 -45.22004 16.0 100.7 19.2 102.82007 31.2 -77.8 23.2 -29.9
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with other installment loans
Percent of families with other installment loansUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 21.2 25.41992 19.2 18.41995 16.0 16.21998 11.5 16.52001 10.9 11.52004 8.0 11.02007 9.6 12.6
Three-year change (percentage points)1992 -2.0 -7.01995 -3.2 -2.21998 -4.5 0.32001 -0.6 -5.02004 -2.9 -0.52007 1.6 1.6
1
1.5
2
2.5
3
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 2.3 2.01992 1.6 1.31995 2.0 1.51998 2.2 2.02001 2.3 2.92004 2.9 2.02007 2.9 2.5
Three-year change (percent)1992 -30.4 -35.01995 25.0 15.41998 10.0 33.32001 4.5 45.02004 26.1 -31.02007 0.0 25.0
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 9.4 9.61992 6.1 6.41995 7.1 4.11998 13.8 12.52001 13.8 6.22004 23.0 11.92007 16.1 9.9
Three-year change (percent)1992 -35.1 -33.31995 16.4 -35.91998 94.4 204.92001 0.0 -50.42004 66.7 91.92007 -30.0 -16.8
5
10
15
20
25
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with other installment loans
Percent of families with other installment loansHousing status
Year Owner Renter or otherLevel (percent)
1989 22.1 21.81992 17.1 22.51995 15.1 17.71998 11.5 13.72001 10.3 12.42004 7.2 11.62007 8.5 13.8
Three-year change (percentage points)1992 -5.0 0.71995 -2.0 -4.81998 -3.6 -4.02001 -1.2 -1.32004 -3.1 -0.82007 1.3 2.2
1
1.5
2
2.5
3
3.5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 3.2 1.11992 2.5 1.01995 2.7 1.21998 3.1 1.12001 3.5 1.42004 2.9 2.22007 3.5 2.0
Three-year change (percent)1992 -21.9 -9.11995 8.0 20.01998 14.8 -8.32001 12.9 27.32004 -17.1 57.12007 20.7 -9.1
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 13.0 3.01992 7.7 4.11995 8.8 3.31998 16.4 8.82001 17.2 4.92004 28.3 9.92007 19.7 8.0
Three-year change (percent)1992 -40.8 36.71995 14.3 -19.51998 86.4 166.72001 4.9 -44.32004 64.5 102.02007 -30.4 -19.2
0
5
10
15
20
25
30
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with other installment loans
Percent of families with other installment loansPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 29.4 27.5 18.9 14.0 9.91992 25.8 24.8 17.1 9.9 6.61995 22.2 20.2 14.4 6.8 8.31998 16.2 13.8 12.2 6.7 7.02001 16.6 12.5 8.4 6.2 6.62004 13.5 9.7 7.6 4.0 2.42007 16.4 12.6 6.6 5.4 4.3
Three-year change (percentage points)1992 -3.6 -2.7 -1.8 -4.1 -3.31995 -3.6 -4.6 -2.7 -3.1 1.71998 -6.0 -6.4 -2.2 -0.1 -1.32001 0.4 -1.3 -3.8 -0.5 -0.42004 -3.1 -2.8 -0.8 -2.2 -4.22007 2.9 2.9 -1.0 1.4 1.9
0
10
20
30
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of other installment loans for families with holdings
Median value of other installment loans for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.3 1.6 3.2 4.8 16.11992 1.4 1.4 1.5 4.5 9.31995 1.4 1.8 2.4 2.2 4.11998 1.4 2.0 2.0 8.7 32.72001 1.6 2.3 2.6 3.5 7.02004 2.7 1.8 2.9 7.3 21.62007 2.0 2.0 5.0 4.2 9.2
Three-year change (percent)1992 7.7 -12.5 -53.1 -6.2 -42.21995 0.0 28.6 60.0 -51.1 -55.91998 0.0 11.1 -16.7 295.5 697.62001 14.3 15.0 30.0 -59.8 -78.62004 68.8 -21.7 11.5 108.6 208.62007 -25.9 11.1 72.4 -42.5 -57.4
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of other installment loans for families with holdings
Mean value of other installment loans for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 4.2 4.8 8.4 21.4 59.41992 5.7 4.4 5.0 7.5 32.11995 5.9 4.5 5.4 7.9 28.81998 5.5 7.4 13.2 20.5 81.52001 7.0 6.2 8.0 12.7 93.92004 16.2 3.9 15.2 16.5 305.82007 13.6 6.6 13.3 11.9 95.9
Three-year change (percent)1992 35.7 -8.3 -40.5 -65.0 -46.01995 3.5 2.3 8.0 5.3 -10.31998 -6.8 64.4 144.4 159.5 183.02001 27.3 -16.2 -39.4 -38.0 15.22004 131.4 -37.1 90.0 29.9 225.72007 -16.0 69.2 -12.5 -27.9 -68.6
40
42
44
46
48P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with credit card balances
Percent of families with credit card balancesYear All families
Level (percent)1989 39.71992 43.71995 47.31998 44.12001 44.42004 46.22007 46.1
Three-year change (percentage points)1992 4.01995 3.61998 -3.22001 0.32004 1.82007 -0.1
1.5
2
2.5
3
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 1.41992 1.41995 2.01998 2.22001 2.22004 2.42007 3.0
Three-year change (percent)1992 0.01995 42.91998 10.02001 0.02004 9.12007 25.0
3
4
5
6
7
8
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 3.01992 3.31995 4.01998 5.22001 4.82004 5.62007 7.3
Three-year change (percent)1992 10.01995 21.21998 30.02001 -7.72004 16.72007 30.4
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with credit card balances
Percent of families with credit card balancesPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 15.3 27.6 48.9 57.3 58.3 40.51992 23.4 41.9 51.9 55.6 53.6 37.91995 26.0 43.2 52.9 60.0 61.0 47.31998 24.5 40.9 50.1 57.4 53.1 42.12001 30.3 44.5 52.8 52.6 50.3 33.12004 28.8 42.9 55.1 56.1 57.6 38.52007 25.7 39.4 54.9 62.1 55.8 40.6
Three-year change (percentage points)1992 8.1 14.3 3.0 -1.7 -4.7 -2.61995 2.6 1.3 1.0 4.4 7.4 9.41998 -1.5 -2.3 -2.8 -2.6 -7.9 -5.22001 5.8 3.6 2.7 -4.8 -2.8 -9.02004 -1.5 -1.6 2.3 3.5 7.3 5.42007 -3.1 -3.5 -0.2 6.0 -1.8 2.1
0
2
4
6
8
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 0.5 1.0 1.3 1.6 2.3 3.41992 0.7 1.2 1.3 2.1 2.2 3.31995 0.9 1.6 2.0 2.1 2.7 3.81998 1.2 1.5 2.4 2.8 2.5 3.82001 1.2 1.5 2.3 2.7 4.4 3.32004 1.1 2.0 2.4 3.3 3.0 4.42007 1.0 1.8 2.4 4.0 5.5 7.5
Three-year change (percent)1992 40.0 20.0 0.0 31.2 -4.3 -2.91995 28.6 33.3 53.8 0.0 22.7 15.21998 33.3 -6.2 20.0 33.3 -7.4 0.02001 0.0 0.0 -4.2 -3.6 76.0 -13.22004 -8.3 33.3 4.3 22.2 -31.8 33.32007 -9.1 -10.0 0.0 21.2 83.3 70.5
0
5
10
15
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 0.8 1.9 2.6 3.1 3.4 6.21992 1.9 2.3 2.8 3.9 4.1 6.31995 2.8 2.9 3.9 3.8 4.8 7.61998 2.6 3.8 5.4 5.9 5.7 8.62001 2.4 3.3 4.3 5.5 8.4 7.72004 3.0 4.2 5.7 6.1 7.1 9.42007 3.5 4.4 5.6 8.6 11.5 13.1
Three-year change (percent)1992 137.5 21.1 7.7 25.8 20.6 1.61995 47.4 26.1 39.3 -2.6 17.1 20.61998 -7.1 31.0 38.5 55.3 18.8 13.22001 -7.7 -13.2 -20.4 -6.8 47.4 -10.52004 25.0 27.3 32.6 10.9 -15.5 22.12007 16.7 4.8 -1.8 41.0 62.0 39.4
10
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with credit card balances
Percent of families with credit card balancesAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 44.5 50.5 49.3 32.9 27.2 10.11992 51.8 50.9 48.9 37.2 32.1 20.11995 54.7 55.9 56.4 43.2 30.5 17.51998 50.7 51.3 52.5 45.7 29.2 11.22001 49.6 54.1 50.4 41.6 30.0 18.42004 47.5 58.8 54.0 42.1 31.9 23.52007 48.5 51.7 53.6 49.9 37.0 18.8
Three-year change (percentage points)1992 7.3 0.4 -0.4 4.3 4.9 10.01995 2.9 5.0 7.5 6.0 -1.6 -2.61998 -4.0 -4.6 -3.9 2.5 -1.3 -6.32001 -1.1 2.8 -2.1 -4.1 0.8 7.22004 -2.1 4.7 3.6 0.5 1.9 5.12007 1.0 -7.1 -0.4 7.8 5.1 -4.7
.5
1
1.5
2
2.5
3
3.5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 1.6 1.8 1.6 1.6 0.9 0.31992 1.3 1.7 2.2 1.4 1.1 0.71995 1.8 2.6 2.7 1.8 1.1 0.51998 1.9 2.5 2.3 2.5 1.4 0.92001 2.3 2.3 2.7 2.2 1.1 0.82004 1.6 2.7 3.2 2.4 2.4 1.12007 1.8 3.5 3.6 3.6 3.0 0.8
Three-year change (percent)1992 -18.8 -5.6 37.5 -12.5 22.2 133.31995 38.5 52.9 22.7 28.6 0.0 -28.61998 5.6 -3.8 -14.8 38.9 27.3 80.02001 21.1 -8.0 17.4 -12.0 -21.4 -11.12004 -30.4 17.4 18.5 9.1 118.2 37.52007 12.5 29.6 12.5 50.0 25.0 -27.3
0
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 3.0 3.2 3.4 2.9 2.0 1.01992 2.8 3.9 4.3 3.1 2.2 2.81995 3.8 4.4 5.0 3.9 2.5 1.51998 4.1 6.0 5.4 6.4 4.9 3.22001 4.7 5.1 4.9 4.8 6.0 2.22004 4.1 5.7 6.8 6.2 5.9 4.72007 5.1 7.6 8.3 8.8 8.4 3.9
Three-year change (percent)1992 -6.7 21.9 26.5 6.9 10.0 180.01995 35.7 12.8 16.3 25.8 13.6 -46.41998 7.9 36.4 8.0 64.1 96.0 113.32001 14.6 -15.0 -9.3 -25.0 22.4 -31.22004 -12.8 11.8 38.8 29.2 -1.7 113.62007 24.4 33.3 22.1 41.9 42.4 -17.0
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with credit card balances
Percent of families with credit card balancesFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 35.6 34.9 19.9 53.8 35.51992 43.3 41.0 25.2 56.0 40.81995 43.9 48.4 25.1 60.9 43.31998 38.0 46.9 21.1 55.8 42.42001 48.1 47.8 27.1 52.4 40.52004 48.6 47.6 27.8 56.7 41.82007 45.1 42.9 30.2 54.7 46.7
Three-year change (percentage points)1992 7.7 6.1 5.3 2.2 5.31995 0.6 7.4 -0.1 4.9 2.51998 -5.9 -1.5 -4.0 -5.1 -0.92001 10.1 0.9 6.0 -3.4 -1.92004 0.5 -0.2 0.7 4.3 1.32007 -3.5 -4.7 2.4 -2.0 4.9
1
1.5
2
2.5
3
3.5
4
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 1.3 1.4 0.8 2.0 1.31992 1.4 1.3 0.9 1.9 1.41995 2.0 1.8 1.1 2.4 1.81998 1.9 1.9 1.8 2.5 2.32001 2.0 1.9 1.1 2.9 2.02004 2.2 2.1 2.0 2.7 2.42007 1.5 1.9 2.3 4.0 3.3
Three-year change (percent)1992 7.7 -7.1 12.5 -5.0 7.71995 42.9 38.5 22.2 26.3 28.61998 -5.0 5.6 63.6 4.2 27.82001 5.3 0.0 -38.9 16.0 -13.02004 10.0 10.5 81.8 -6.9 20.02007 -31.8 -9.5 15.0 48.1 37.5
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 2.2 3.6 1.7 3.2 2.91992 2.9 2.9 2.0 3.9 3.41995 3.3 3.5 2.6 4.9 3.81998 4.2 4.2 3.8 5.8 5.92001 3.6 4.5 4.2 5.7 4.62004 4.7 4.8 3.9 6.2 6.52007 4.5 5.4 5.6 8.7 8.2
Three-year change (percent)1992 31.8 -19.4 17.6 21.9 17.21995 13.8 20.7 30.0 25.6 11.81998 27.3 20.0 46.2 18.4 55.32001 -14.3 7.1 10.5 -1.7 -22.02004 30.6 6.7 -7.1 8.8 41.32007 -4.3 12.5 43.6 40.3 26.2
25
30
35
40
45
50
55
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with credit card balances
Percent of families with credit card balancesEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 23.7 40.8 50.8 46.11992 27.4 46.7 49.4 48.01995 32.4 49.8 54.9 48.91998 28.5 43.0 53.2 47.92001 30.0 46.4 55.2 43.42004 29.5 48.2 54.4 47.02007 26.9 46.8 51.0 50.2
Three-year change (percentage points)1992 3.7 5.9 -1.4 1.91995 5.0 3.1 5.5 0.91998 -3.9 -6.8 -1.7 -1.02001 1.5 3.4 2.0 -4.52004 -0.5 1.8 -0.8 3.62007 -2.6 -1.4 -3.4 3.2
1
1.5
2
2.5
3
3.5
4
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 1.0 1.4 1.3 2.01992 1.0 1.4 1.3 2.01995 1.4 1.6 2.0 2.71998 1.5 1.8 2.6 2.52001 1.1 2.0 2.3 2.92004 1.3 2.1 2.4 3.02007 1.5 2.2 2.9 4.0
Three-year change (percent)1992 0.0 0.0 0.0 0.01995 40.0 14.3 53.8 35.01998 7.1 12.5 30.0 -7.42001 -26.7 11.1 -11.5 16.02004 18.2 5.0 4.3 3.42007 15.4 4.8 20.8 33.3
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 2.3 2.5 2.9 3.81992 2.1 2.8 3.2 4.41995 3.2 3.2 4.4 5.01998 3.5 4.3 5.4 6.52001 2.3 4.3 5.0 6.22004 4.0 4.9 5.8 6.62007 4.3 5.9 5.8 9.9
Three-year change (percent)1992 -8.7 12.0 10.3 15.81995 52.4 14.3 37.5 13.61998 9.4 34.4 22.7 30.02001 -34.3 0.0 -7.4 -4.62004 73.9 14.0 16.0 6.52007 7.5 20.4 0.0 50.0
35
40
45
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with credit card balances
Percent of families with credit card balancesRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 41.5 34.41992 44.2 42.11995 47.1 48.01998 44.3 43.52001 43.3 47.62004 46.0 46.72007 45.1 48.4
Three-year change (percentage points)1992 2.7 7.71995 2.9 5.91998 -2.8 -4.52001 -1.0 4.12004 2.7 -0.92007 -0.9 1.7
1
1.5
2
2.5
3
3.5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 1.5 1.31992 1.5 1.21995 2.0 1.61998 2.5 1.42001 2.3 1.82004 2.7 1.72007 3.3 2.0
Three-year change (percent)1992 0.0 -7.71995 33.3 33.31998 25.0 -12.52001 -8.0 28.62004 17.4 -5.62007 22.2 17.6
3
4
5
6
7
8
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 2.9 3.41992 3.5 2.71995 4.3 3.01998 5.7 3.62001 5.1 4.02004 6.1 4.42007 8.1 5.7
Three-year change (percent)1992 20.7 -20.61995 22.9 11.11998 32.6 20.02001 -10.5 11.12004 19.6 10.02007 32.8 29.5
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with credit card balances
Percent of families with credit card balancesCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 53.4 29.4 18.3 20.61992 53.9 47.5 25.3 29.21995 58.0 45.3 25.9 36.81998 53.5 47.5 21.0 38.72001 53.2 42.8 24.0 32.32004 54.9 44.3 25.9 41.02007 53.7 48.9 28.2 36.8
Three-year change (percentage points)1992 0.5 18.1 7.0 8.61995 4.1 -2.2 0.6 7.61998 -4.5 2.2 -4.9 1.92001 -0.3 -4.7 3.0 -6.42004 1.7 1.5 1.9 8.72007 -1.2 4.6 2.3 -4.2
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 1.6 1.6 0.8 0.91992 1.5 2.5 1.0 1.11995 2.2 3.4 1.1 1.11998 2.5 2.5 1.3 1.52001 2.3 2.9 1.0 2.32004 2.5 3.0 1.6 2.72007 3.0 4.3 1.5 1.8
Three-year change (percent)1992 -6.2 56.2 25.0 22.21995 46.7 36.0 10.0 0.01998 13.6 -26.5 18.2 36.42001 -8.0 16.0 -23.1 53.32004 8.7 3.4 60.0 17.42007 20.0 43.3 -6.2 -33.3
2
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 3.1 3.9 1.5 3.11992 3.4 4.9 2.3 2.41995 4.0 6.7 2.6 2.91998 5.2 6.6 4.3 4.22001 4.9 6.6 2.6 6.62004 5.5 7.8 4.5 5.92007 7.2 11.0 5.4 6.3
Three-year change (percent)1992 9.7 25.6 53.3 -22.61995 17.6 36.7 13.0 20.81998 30.0 -1.5 65.4 44.82001 -5.8 0.0 -39.5 57.12004 12.2 18.2 73.1 -10.62007 30.9 41.0 20.0 6.8
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with credit card balances
Percent of families with credit card balancesCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 53.6 49.8 45.4 18.81992 51.3 54.1 53.0 26.21995 51.8 56.3 59.3 28.11998 53.3 52.2 52.0 24.02001 47.3 55.7 52.3 25.42004 50.8 54.2 55.2 28.22007 52.7 53.2 53.2 29.6
Three-year change (percentage points)1992 -2.3 4.3 7.6 7.41995 0.5 2.2 6.3 1.91998 1.5 -4.1 -7.3 -4.12001 -6.0 3.5 0.3 1.42004 3.5 -1.5 2.9 2.82007 1.9 -1.0 -2.0 1.4
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 2.4 1.4 1.3 0.81992 2.2 1.4 1.4 1.11995 3.0 2.2 1.9 1.11998 2.7 2.5 1.9 1.32001 2.9 2.3 1.9 1.22004 3.3 2.2 2.5 1.62007 4.5 3.0 2.5 1.5
Three-year change (percent)1992 -8.3 0.0 7.7 37.51995 36.4 57.1 35.7 0.01998 -10.0 13.6 0.0 18.22001 7.4 -8.0 0.0 -7.72004 13.8 -4.3 31.6 33.32007 36.4 36.4 0.0 -6.2
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 3.8 3.3 2.4 1.91992 4.3 3.3 3.2 2.31995 5.5 4.0 3.9 2.71998 6.3 5.0 4.9 4.32001 5.5 5.7 3.9 3.52004 7.1 5.3 4.9 4.82007 9.9 5.8 6.9 5.6
Three-year change (percent)1992 13.2 0.0 33.3 21.11995 27.9 21.2 21.9 17.41998 14.5 25.0 25.6 59.32001 -12.7 14.0 -20.4 -18.62004 29.1 -7.0 25.6 37.12007 39.4 9.4 40.8 16.7
35
40
45
50
55
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with credit card balances
Percent of families with credit card balancesRegion
Year Northeast Midwest South WestLevel (percent)
1989 38.1 37.5 38.5 46.01992 41.7 42.1 45.2 45.01995 43.9 46.4 48.0 50.21998 38.7 40.2 46.1 49.92001 39.7 43.9 44.7 48.42004 46.6 44.7 46.0 47.52007 44.3 45.5 43.4 52.4
Three-year change (percentage points)1992 3.6 4.6 6.7 -1.01995 2.2 4.3 2.8 5.21998 -5.2 -6.2 -1.9 -0.32001 1.0 3.7 -1.4 -1.52004 6.9 0.8 1.3 -0.92007 -2.3 0.8 -2.6 4.9
1
1.5
2
2.5
3
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 1.4 1.1 1.4 1.81992 1.7 1.3 1.4 1.41995 2.3 2.2 1.7 2.01998 2.3 1.9 1.9 2.52001 2.0 2.3 2.2 2.12004 2.7 2.2 2.2 2.72007 3.0 3.0 2.8 3.0
Three-year change (percent)1992 21.4 18.2 0.0 -22.21995 35.3 69.2 21.4 42.91998 0.0 -13.6 11.8 25.02001 -13.0 21.1 15.8 -16.02004 35.0 -4.3 0.0 28.62007 11.1 36.4 27.3 11.1
2
3
4
5
6
7
8
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 3.1 2.5 2.7 3.71992 3.5 3.1 3.2 3.71995 5.2 3.7 3.4 4.51998 5.2 5.1 5.1 5.62001 4.2 4.4 4.9 5.72004 6.0 5.5 5.0 6.72007 8.0 7.3 7.1 7.3
Three-year change (percent)1992 12.9 24.0 18.5 0.01995 48.6 19.4 6.2 21.61998 0.0 37.8 50.0 24.42001 -19.2 -13.7 -3.9 1.82004 42.9 25.0 2.0 17.52007 33.3 32.7 42.0 9.0
30
35
40
45
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with credit card balances
Percent of families with credit card balancesUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 41.6 31.41992 44.0 42.51995 48.5 39.91998 44.7 40.42001 44.8 41.92004 46.9 42.82007 46.3 44.8
Three-year change (percentage points)1992 2.4 11.11995 4.5 -2.61998 -3.8 0.52001 0.1 1.52004 2.1 0.92007 -0.6 2.0
1
1.5
2
2.5
3
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 1.6 1.01992 1.6 1.11995 2.0 1.51998 2.3 1.92001 2.3 1.82004 2.4 2.22007 3.0 2.0
Three-year change (percent)1992 0.0 10.01995 25.0 36.41998 15.0 26.72001 0.0 -5.32004 4.3 22.22007 25.0 -9.1
2
3
4
5
6
7
8
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 3.2 2.01992 3.5 2.71995 4.2 2.81998 5.4 4.32001 5.1 3.22004 5.8 4.72007 7.6 5.8
Three-year change (percent)1992 9.4 35.01995 20.0 3.71998 28.6 53.62001 -5.6 -25.62004 13.7 46.92007 31.0 23.4
30
35
40
45
50
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with credit card balances
Percent of families with credit card balancesHousing status
Year Owner Renter or otherLevel (percent)
1989 43.9 32.21992 46.6 38.61995 51.1 40.31998 46.2 40.02001 44.4 44.32004 48.8 40.42007 50.1 37.3
Three-year change (percentage points)1992 2.7 6.41995 4.5 1.71998 -4.9 -0.32001 -1.8 4.32004 4.4 -3.92007 1.3 -3.1
1
1.5
2
2.5
3
3.5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 1.6 1.31992 1.6 1.31995 2.0 1.61998 2.5 1.62001 2.5 1.42004 2.7 1.62007 3.6 1.3
Three-year change (percent)1992 0.0 0.01995 25.0 23.11998 25.0 0.02001 0.0 -12.52004 8.0 14.32007 33.3 -18.8
2
3
4
5
6
7
8
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 3.2 2.51992 3.5 3.01995 4.2 3.71998 5.6 4.42001 5.3 4.02004 6.1 4.42007 8.4 4.3
Three-year change (percent)1992 9.4 20.01995 20.0 23.31998 33.3 18.92001 -5.4 -9.12004 15.1 10.02007 37.7 -2.3
20
30
40
50
60
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with credit card balances
Percent of families with credit card balancesPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 27.6 48.2 49.3 43.4 19.11992 38.7 52.6 49.6 39.3 25.91995 41.5 55.4 57.3 39.5 27.91998 39.5 54.8 48.7 36.7 28.42001 45.4 54.9 44.9 39.0 22.12004 40.3 58.0 52.9 40.3 23.52007 41.0 52.9 51.7 44.0 30.7
Three-year change (percentage points)1992 11.1 4.4 0.3 -4.1 6.81995 2.8 2.8 7.7 0.2 2.01998 -2.0 -0.6 -8.6 -2.8 0.52001 5.9 0.1 -3.8 2.3 -6.32004 -5.1 3.1 8.0 1.3 1.42007 0.7 -5.1 -1.2 3.7 7.2
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of credit card balances for families with holdings
Median value of credit card balances for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.6 1.1 1.5 1.6 2.41992 1.3 1.6 1.4 1.5 2.31995 2.1 1.9 2.0 1.9 1.91998 2.0 2.3 2.3 1.9 2.42001 1.9 2.2 2.3 2.3 2.32004 1.9 2.2 2.7 3.3 3.42007 1.5 2.8 3.6 4.0 5.0
Three-year change (percent)1992 -18.8 45.5 -6.7 -6.2 -4.21995 61.5 18.8 42.9 26.7 -17.41998 -4.8 21.1 15.0 0.0 26.32001 -5.0 -4.3 0.0 21.1 -4.22004 0.0 0.0 17.4 43.5 47.82007 -21.1 27.3 33.3 21.2 47.1
2
4
6
8
10
12
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of credit card balances for families with holdings
Mean value of credit card balances for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 3.0 2.5 2.7 3.8 4.81992 3.1 3.0 3.5 3.4 5.11995 4.3 3.2 4.3 4.6 4.91998 5.3 5.0 4.7 5.7 7.92001 4.5 4.0 5.3 5.2 8.42004 4.6 5.0 6.4 6.4 8.32007 5.7 6.6 7.8 8.2 12.4
Three-year change (percent)1992 3.3 20.0 29.6 -10.5 6.21995 38.7 6.7 22.9 35.3 -3.91998 23.3 56.2 9.3 23.9 61.22001 -15.1 -20.0 12.8 -8.8 6.32004 2.2 25.0 20.8 23.1 -1.22007 23.9 32.0 21.9 28.1 49.4
1.5
2
2.5
3
3.5P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with other lines of credit
Percent of families with other lines of creditYear All families
Level (percent)1989 3.21992 2.31995 1.91998 2.32001 1.52004 1.62007 1.7
Three-year change (percentage points)1992 -0.91995 -0.41998 0.42001 -0.82004 0.12007 0.1
3
3.5
4
4.5
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 3.21992 2.91995 4.71998 3.22001 4.62004 3.32007 3.8
Three-year change (percent)1992 -9.41995 62.11998 -31.92001 43.82004 -28.32007 15.2
10
15
20
25
30
35
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 18.71992 15.01995 14.71998 8.62001 21.12004 40.22007 24.8
Three-year change (percent)1992 -19.81995 -2.01998 -41.52001 145.32004 90.52007 -38.3
0
2
4
6
8
10
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with other lines of credit
Percent of families with other lines of creditPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 0.9 1.9 1.6 4.3 8.5 5.81992 0.6 1.5 2.2 2.9 5.0 4.31995 0.0 1.1 2.2 2.4 3.8 3.91998 0.8 1.7 2.7 2.9 4.5 2.52001 1.3 1.5 1.5 1.5 2.6 1.42004 0.2 1.5 1.8 1.8 2.6 2.52007 1.1 1.8 1.5 2.1 2.4 2.1
Three-year change (percentage points)1992 -0.3 -0.4 0.6 -1.4 -3.5 -1.51995 -0.6 -0.4 0.0 -0.5 -1.2 -0.41998 0.8 0.6 0.5 0.5 0.7 -1.42001 0.5 -0.2 -1.2 -1.4 -1.9 -1.12004 -1.1 0.0 0.3 0.3 0.0 1.12007 0.9 0.3 -0.3 0.3 -0.2 -0.4
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 1.9 1.4 0.8 3.2 2.9 7.61992 1.2 4.3 3.8 2.2 2.6 5.81995 1.4 1.9 4.1 3.1 5.1 6.81998 0.8 1.4 1.9 3.6 3.8 8.12001 0.6 1.3 0.8 4.7 9.1 11.72004 0.5 0.3 1.1 7.7 15.4 43.92007 0.4 1.3 3.5 5.1 9.0 17.3
Three-year change (percent)1992 -36.8 207.1 375.0 -31.2 -10.3 -23.71995 16.7 -55.8 7.9 40.9 96.2 17.21998 -42.9 -26.3 -53.7 16.1 -25.5 19.12001 -25.0 -7.1 -57.9 30.6 139.5 44.42004 -16.7 -76.9 37.5 63.8 69.2 275.22007 -20.0 333.3 218.2 -33.8 -41.6 -60.6
0
50
100
150
200
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 2.2 2.9 2.7 4.8 16.5 66.71992 1.3 15.4 5.7 5.0 5.3 52.51995 1.4 2.7 11.0 5.8 10.8 40.61998 1.4 3.6 5.4 5.5 5.9 39.22001 7.2 7.9 3.5 20.9 14.0 129.92004 29.3 7.3 3.3 17.4 37.2 168.32007 20.6 5.5 16.1 19.8 13.3 97.9
Three-year change (percent)1992 -40.9 431.0 111.1 4.2 -67.9 -21.31995 7.7 -82.5 93.0 16.0 103.8 -22.71998 0.0 33.3 -50.9 -5.2 -45.4 -3.42001 414.3 119.4 -35.2 280.0 137.3 231.42004 306.9 -7.6 -5.7 -16.7 165.7 29.62007 -29.7 -24.7 387.9 13.8 -64.2 -41.8
0
1
2
3
4
5
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with other lines of credit
Percent of families with other lines of creditAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 4.4 4.7 4.0 1.5 0.7 0.11992 2.8 3.3 2.6 1.6 1.0 1.11995 2.7 2.1 2.2 1.7 1.3 0.01998 2.4 3.6 3.6 1.6 0.3 0.02001 1.7 1.7 1.5 3.1 0.2 0.42004 2.2 1.5 2.9 0.7 0.4 0.12007 2.1 2.2 1.9 1.2 1.5 0.8
Three-year change (percentage points)1992 -1.6 -1.4 -1.4 0.1 0.3 1.01995 -0.1 -1.2 -0.4 0.1 0.3 -1.11998 -0.3 1.5 1.4 -0.1 -1.0 0.02001 -0.7 -1.9 -2.1 1.5 -0.1 0.42004 0.5 -0.2 1.4 -2.4 0.2 -0.32007 -0.1 0.7 -1.0 0.5 1.1 0.7
0
2000
4000
6000
8000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 2.3 4.8 2.1 3.2 3.2 1.81992 1.7 2.6 7.2 5.8 5.8 1.41995 1.9 2.7 8.1 4.6 5.1 675.91998 1.3 1.8 3.8 6.2 31.8 7002.52001 0.6 0.8 6.2 24.0 292.4 4.62004 1.1 2.1 7.7 15.4 4.4 49.32007 1.0 4.6 6.0 10.0 30.0 0.5
Three-year change (percent)1992 -26.1 -45.8 242.9 81.2 81.2 -22.21995 11.8 3.8 12.5 -20.7 -12.1 48178.61998 -31.6 -33.3 -53.1 34.8 523.5 936.02001 -53.8 -55.6 63.2 287.1 819.5 -99.92004 83.3 162.5 24.2 -35.8 -98.5 971.72007 -9.1 119.0 -22.1 -35.1 581.8 -99.0
0
2000
4000
6000
8000
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 3.1 13.4 28.0 19.5 241.9 71.51992 3.4 2.9 21.9 53.4 61.6 17.21995 9.0 5.8 25.0 18.6 32.0 1334.31998 4.4 5.9 9.0 13.3 124.8 7002.52001 5.4 5.7 19.2 37.7 333.4 21.12004 21.2 18.5 27.0 128.3 278.8 353.82007 5.2 20.3 21.1 23.4 91.2 51.5
Three-year change (percent)1992 9.7 -78.4 -21.8 173.8 -74.5 -75.91995 164.7 100.0 14.2 -65.2 -48.1 7657.61998 -51.1 1.7 -64.0 -28.5 290.0 424.82001 22.7 -3.4 113.3 183.5 167.1 -99.72004 292.6 224.6 40.6 240.3 -16.4 1576.82007 -75.5 9.7 -21.9 -81.8 -67.3 -85.4
0
1
2
3
4
5
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with other lines of credit
Percent of families with other lines of creditFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 2.2 4.7 0.4 3.7 3.71992 1.8 2.3 0.6 2.8 3.11995 1.7 2.7 0.7 2.2 1.81998 1.7 2.2 0.4 2.9 2.92001 2.0 2.6 1.3 1.3 1.32004 1.1 1.9 0.1 2.1 1.72007 2.6 2.1 0.5 2.0 1.5
Three-year change (percentage points)1992 -0.4 -2.4 0.2 -0.9 -0.61995 -0.1 0.4 0.1 -0.6 -1.31998 0.0 -0.5 -0.3 0.7 1.12001 0.3 0.4 0.9 -1.6 -1.62004 -0.9 -0.7 -1.2 0.8 0.42007 1.5 0.2 0.4 -0.1 -0.2
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 3.2 3.2 3.2 2.9 3.71992 1.4 2.9 1.7 2.6 5.81995 2.7 1.9 5.1 6.8 4.91998 1.3 2.5 7.1 3.6 3.82001 4.7 0.6 9.1 3.5 4.72004 11.0 0.3 49.3 4.4 12.12007 2.5 0.4 0.5 5.0 3.8
Three-year change (percent)1992 -56.2 -9.4 -46.9 -10.3 56.81995 92.9 -34.5 200.0 161.5 -15.51998 -51.9 31.6 39.2 -47.1 -22.42001 261.5 -76.0 28.2 -2.8 23.72004 134.0 -50.0 441.8 25.7 157.42007 -77.3 33.3 -99.0 13.6 -68.6
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 6.4 12.5 30.9 16.1 31.51992 1.7 12.2 7.9 10.9 25.71995 4.3 9.1 21.9 15.5 21.71998 4.4 11.1 44.9 7.2 7.52001 10.4 4.2 42.2 28.7 27.62004 8.7 1.5 58.9 36.6 78.32007 6.2 6.3 8.9 31.9 45.3
Three-year change (percent)1992 -73.4 -2.4 -74.4 -32.3 -18.41995 152.9 -25.4 177.2 42.2 -15.61998 2.3 22.0 105.0 -53.5 -65.42001 136.4 -62.2 -6.0 298.6 268.02004 -16.3 -64.3 39.6 27.5 183.72007 -28.7 320.0 -84.9 -12.8 -42.1
0
1
2
3
4
5
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with other lines of credit
Percent of families with other lines of creditEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 1.2 2.6 4.2 5.01992 0.6 1.5 3.5 3.61995 0.7 1.2 2.3 3.11998 1.1 1.9 2.8 3.02001 0.4 1.4 3.0 1.42004 0.3 1.8 1.8 1.72007 1.9 1.4 2.2 1.7
Three-year change (percentage points)1992 -0.6 -1.1 -0.7 -1.41995 0.1 -0.3 -1.2 -0.51998 0.4 0.7 0.5 -0.12001 -0.7 -0.5 0.2 -1.62004 -0.1 0.4 -1.2 0.32007 1.6 -0.4 0.4 0.0
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 2.4 3.2 5.6 2.91992 2.3 2.0 2.9 4.11995 5.1 6.8 3.1 4.71998 1.4 3.2 3.6 3.62001 0.3 9.1 4.1 4.72004 115.3 1.6 3.3 4.42007 2.0 1.4 3.8 6.0
Three-year change (percent)1992 -4.2 -37.5 -48.2 41.41995 121.7 240.0 6.9 14.61998 -72.5 -52.9 16.1 -23.42001 -78.6 184.4 13.9 30.62004 38333.3 -82.4 -19.5 -6.42007 -98.3 -12.5 15.2 36.4
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 6.4 5.0 27.3 25.61992 11.7 5.6 6.1 23.71995 5.6 14.2 11.7 17.61998 10.7 5.4 5.1 12.12001 0.7 18.0 10.5 38.72004 87.5 19.0 21.5 64.72007 16.7 21.5 14.8 37.9
Three-year change (percent)1992 82.8 12.0 -77.7 -7.41995 -52.1 153.6 91.8 -25.71998 91.1 -62.0 -56.4 -31.22001 -93.5 233.3 105.9 219.82004 12400.0 5.6 104.8 67.22007 -80.9 13.2 -31.2 -41.4
1
1.5
2
2.5
3
3.5
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with other lines of credit
Percent of families with other lines of creditRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 3.0 3.51992 2.6 1.61995 2.1 1.31998 2.5 1.82001 1.7 1.22004 1.7 1.12007 1.6 2.0
Three-year change (percentage points)1992 -0.4 -1.91995 -0.5 -0.31998 0.4 0.52001 -0.8 -0.62004 0.0 -0.12007 -0.1 0.9
0
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 4.0 2.31992 2.9 3.21995 5.1 0.71998 3.6 0.92001 4.7 0.82004 4.4 0.42007 5.0 0.8
Three-year change (percent)1992 -27.5 39.11995 75.9 -78.11998 -29.4 28.62001 30.6 -11.12004 -6.4 -50.02007 13.6 100.0
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 24.6 3.71992 16.5 7.01995 16.9 2.91998 9.6 4.52001 24.2 8.22004 45.4 19.02007 32.1 11.0
Three-year change (percent)1992 -32.9 89.21995 2.4 -58.61998 -43.2 55.22001 152.1 82.22004 87.6 131.72007 -29.3 -42.1
0
1
2
3
4
5
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with other lines of credit
Percent of families with other lines of creditCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 4.6 4.4 0.3 0.01992 3.1 3.7 0.5 1.51995 2.3 3.6 0.3 1.91998 2.7 3.7 0.6 2.22001 1.4 3.5 0.7 2.52004 1.9 3.0 0.3 0.22007 1.9 3.6 0.8 0.0
Three-year change (percentage points)1992 -1.5 -0.7 0.2 1.51995 -0.8 -0.1 -0.2 0.41998 0.4 0.1 0.3 0.32001 -1.3 -0.2 0.1 0.32004 0.5 -0.5 -0.4 -2.32007 0.0 0.6 0.5 -0.2
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 2.9 15.8 0.6 .1992 2.3 5.1 5.8 1.71995 3.3 9.5 5.1 3.11998 3.6 4.8 1.9 0.32001 3.5 17.5 4.6 0.42004 4.4 2.4 0.3 223.02007 2.9 5.0 6.4 .
Three-year change (percent)1992 -20.7 -67.7 866.7 .1995 43.5 86.3 -12.1 82.41998 9.1 -49.5 -62.7 -90.32001 -2.8 264.6 142.1 33.32004 25.7 -86.3 -93.5 55650.02007 -34.1 108.3 2033.3 .
0
50
100
150
200
250
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 7.7 64.8 114.3 .1992 6.4 50.8 26.5 3.01995 11.0 28.7 28.8 4.81998 5.7 19.8 15.5 0.42001 9.6 49.8 21.5 4.52004 22.6 79.3 97.1 223.02007 13.4 46.4 48.0 .
Three-year change (percent)1992 -16.9 -21.6 -76.8 .1995 71.9 -43.5 8.7 60.01998 -48.2 -31.0 -46.2 -91.72001 68.4 151.5 38.7 1025.02004 135.4 59.2 351.6 4855.62007 -40.7 -41.5 -50.6 .
0
1
2
3
4
5
6
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with other lines of credit
Percent of families with other lines of creditCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 4.7 6.4 2.8 0.21992 4.7 2.7 2.1 0.81995 4.1 2.2 1.5 0.61998 4.2 1.8 2.7 0.92001 1.9 2.4 0.9 1.02004 1.8 2.4 2.1 0.32007 1.8 2.7 2.1 0.7
Three-year change (percentage points)1992 0.0 -3.7 -0.7 0.61995 -0.6 -0.5 -0.6 -0.21998 0.1 -0.4 1.2 0.32001 -2.3 0.6 -1.8 0.12004 -0.1 0.0 1.2 -0.72007 0.0 0.3 0.0 0.4
0
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 4.8 2.9 2.3 0.61992 5.1 2.2 1.4 5.81995 5.4 5.3 3.0 5.11998 3.6 3.8 2.8 0.92001 5.8 4.7 1.3 0.72004 8.8 1.6 1.6 24.22007 9.0 3.5 4.0 6.4
Three-year change (percent)1992 6.2 -24.1 -39.1 866.71995 5.9 140.9 114.3 -12.11998 -33.3 -28.3 -6.7 -82.42001 61.1 23.7 -53.6 -22.22004 51.7 -66.0 23.1 3357.12007 2.3 118.8 150.0 -73.6
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 21.7 8.2 27.3 114.31992 22.0 9.5 5.9 15.51995 16.5 18.8 5.6 13.91998 11.4 8.8 4.2 9.12001 28.5 23.2 5.4 14.62004 67.6 13.2 26.9 107.92007 51.6 7.9 7.0 48.0
Three-year change (percent)1992 1.4 15.9 -78.4 -86.41995 -25.0 97.9 -5.1 -10.31998 -30.9 -53.2 -25.0 -34.52001 150.0 163.6 28.6 60.42004 137.2 -43.1 398.1 639.02007 -23.7 -40.2 -74.0 -55.5
0
1
2
3
4
5
6
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with other lines of credit
Percent of families with other lines of creditRegion
Year Northeast Midwest South WestLevel (percent)
1989 2.1 2.6 2.5 6.01992 2.2 1.7 1.8 4.11995 1.9 1.6 1.8 2.41998 2.2 2.0 2.4 2.72001 0.6 1.7 1.3 2.52004 1.1 1.6 1.6 1.82007 0.4 1.9 1.7 2.7
Three-year change (percentage points)1992 0.1 -0.9 -0.7 -1.91995 -0.3 -0.1 0.0 -1.71998 0.3 0.4 0.6 0.32001 -1.6 -0.3 -1.1 -0.22004 0.5 -0.1 0.3 -0.72007 -0.7 0.3 0.1 0.9
0
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 3.2 2.9 2.4 4.01992 2.0 3.8 1.4 7.21995 5.1 5.1 4.1 4.71998 3.8 1.4 2.5 5.12001 2.1 5.8 6.8 3.52004 0.4 3.3 8.8 4.42007 4.5 5.0 3.2 3.8
Three-year change (percent)1992 -37.5 31.0 -41.7 80.01995 155.0 34.2 192.9 -34.71998 -25.5 -72.5 -39.0 8.52001 -44.7 314.3 172.0 -31.42004 -81.0 -43.1 29.4 25.72007 1025.0 51.5 -63.6 -13.6
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 7.7 21.5 5.4 30.81992 26.3 13.7 5.8 16.31995 15.0 13.5 18.7 10.61998 8.3 6.5 10.7 7.72001 10.6 30.5 16.5 20.52004 36.4 29.5 44.0 46.52007 48.8 20.5 21.4 28.9
Three-year change (percent)1992 241.6 -36.3 7.4 -47.11995 -43.0 -1.5 222.4 -35.01998 -44.7 -51.9 -42.8 -27.42001 27.7 369.2 54.2 166.22004 243.4 -3.3 166.7 126.82007 34.1 -30.5 -51.4 -37.8
1
1.5
2
2.5
3
3.5
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with other lines of credit
Percent of families with other lines of creditUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 3.5 1.51992 2.6 1.01995 2.0 1.41998 2.2 3.22001 1.3 2.92004 1.6 1.62007 1.8 1.6
Three-year change (percentage points)1992 -0.9 -0.51995 -0.6 0.41998 0.2 1.82001 -0.9 -0.32004 0.3 -1.32007 0.2 0.0
0
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 3.2 3.21992 3.5 1.41995 4.9 3.91998 3.6 2.72001 4.1 8.22004 2.4 22.02007 3.5 6.0
Three-year change (percent)1992 9.4 -56.21995 40.0 178.61998 -26.5 -30.82001 13.9 203.72004 -41.5 168.32007 45.8 -72.7
0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 14.5 60.31992 16.1 1.61995 15.4 9.51998 9.6 4.82001 24.5 11.22004 40.5 38.72007 23.8 30.2
Three-year change (percent)1992 11.0 -97.31995 -4.3 493.81998 -37.7 -49.52001 155.2 133.32004 65.3 245.52007 -41.2 -22.0
1
1.5
2
2.5
3
3.5
4
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with other lines of credit
Percent of families with other lines of creditHousing status
Year Owner Renter or otherLevel (percent)
1989 2.8 3.91992 2.0 2.91995 1.5 2.61998 1.8 3.42001 1.0 2.82004 1.3 2.12007 1.3 2.8
Three-year change (percentage points)1992 -0.8 -1.01995 -0.5 -0.31998 0.3 0.82001 -0.8 -0.62004 0.3 -0.72007 0.0 0.7
0
5
10
15
20
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 4.8 1.91992 4.1 1.71995 6.5 1.91998 2.8 3.62001 17.5 1.22004 8.8 0.52007 7.5 1.0
Three-year change (percent)1992 -14.6 -10.51995 58.5 11.81998 -56.9 89.52001 525.0 -66.72004 -49.7 -58.32007 -14.8 100.0
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 27.2 8.01992 24.5 2.81995 20.9 8.01998 11.4 5.82001 35.8 10.32004 54.3 20.22007 39.4 10.4
Three-year change (percent)1992 -9.9 -65.01995 -14.7 185.71998 -45.5 -27.52001 214.0 77.62004 51.7 96.12007 -27.4 -48.5
0
1
2
3
4
5
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with other lines of credit
Percent of families with other lines of creditPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 3.3 3.4 2.6 2.6 4.41992 2.4 1.9 2.2 2.8 3.21995 2.4 2.1 1.3 0.9 3.21998 2.8 2.5 1.7 2.0 2.62001 2.5 1.2 0.7 1.6 2.12004 1.3 1.7 1.9 1.3 1.52007 2.6 1.3 1.6 1.5 1.5
Three-year change (percentage points)1992 -0.9 -1.5 -0.4 0.2 -1.21995 0.0 0.2 -0.9 -1.9 0.01998 0.4 0.4 0.4 1.1 -0.62001 -0.3 -1.3 -1.0 -0.4 -0.52004 -1.2 0.5 1.2 -0.3 -0.62007 1.3 -0.4 -0.3 0.2 0.0
0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of other lines of credit for families with holdings
Median value of other lines of credit for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 2.7 2.1 3.2 4.8 16.11992 1.7 1.4 2.6 8.7 26.01995 3.5 4.1 3.1 13.5 10.81998 1.3 3.8 3.8 1.7 12.72001 0.6 2.1 9.1 14.3 24.02004 0.3 1.1 8.7 24.2 54.92007 1.0 2.0 4.2 10.2 43.0
Three-year change (percent)1992 -37.0 -33.3 -18.8 81.2 61.51995 105.9 192.9 19.2 55.2 -58.51998 -62.9 -7.3 22.6 -87.4 17.62001 -53.8 -44.7 139.5 741.2 89.02004 -50.0 -47.6 -4.4 69.2 128.82007 233.3 81.8 -51.7 -57.9 -21.7
0
50
100
150
200
250
300
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of other lines of credit for families with holdings
Mean value of other lines of credit for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 3.3 3.7 9.5 5.0 102.61992 2.7 2.5 3.2 16.1 75.01995 4.8 6.5 11.5 16.1 49.71998 2.8 4.9 6.1 4.0 43.02001 4.7 5.1 10.3 24.0 99.72004 10.1 8.0 12.5 46.8 279.92007 4.3 5.8 22.2 31.5 153.4
Three-year change (percent)1992 -18.2 -32.4 -66.3 222.0 -26.91995 77.8 160.0 259.4 0.0 -33.71998 -41.7 -24.6 -47.0 -75.2 -13.52001 67.9 4.1 68.9 500.0 131.92004 114.9 56.9 21.4 95.0 180.72007 -57.4 -27.5 77.6 -32.7 -45.2
6.5
7
7.5
8
8.5
9P
erce
nt
1989 1992 1995 1998 2001 2004 2007Year
For all familiesPercent of families with other debt
Percent of families with other debtYear All families
Level (percent)1989 6.71992 8.41995 8.51998 8.82001 7.22004 7.62007 6.8
Three-year change (percentage points)1992 1.71995 0.11998 0.32001 -1.62004 0.42007 -0.8
2.5
3
3.5
4
4.5
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMedian value of other debt for families with holdings
Median value of other debt for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 3.21992 3.61995 2.71998 3.82001 3.52004 4.42007 5.0
Three-year change (percent)1992 12.51995 -25.01998 40.72001 -7.92004 25.72007 13.6
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
For all familiesMean value of other debt for families with holdings
Mean value of other debt for families with holdingsYear All families
Level (thousands of 2007 dollars)1989 13.81992 12.71995 16.51998 25.52001 20.72004 18.72007 15.5
Three-year change (percent)1992 -8.01995 29.91998 54.52001 -18.82004 -9.72007 -17.1
4
6
8
10
12
14
16
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomePercent of families with other debt
Percent of families with other debtPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (percent)1989 5.9 5.2 4.9 5.9 7.9 14.91992 4.5 6.0 9.2 9.6 9.2 16.01995 6.8 7.9 7.8 9.0 8.2 13.51998 5.5 6.2 7.8 11.3 12.1 13.92001 5.9 5.6 7.7 7.7 9.3 8.82004 4.6 5.8 8.0 8.3 12.2 10.62007 3.9 6.8 6.4 8.7 9.6 7.0
Three-year change (percentage points)1992 -1.4 0.8 4.3 3.7 1.3 1.11995 2.3 1.9 -1.4 -0.6 -1.0 -2.51998 -1.3 -1.7 0.0 2.3 3.9 0.42001 0.4 -0.6 -0.1 -3.6 -2.8 -5.12004 -1.3 0.2 0.3 0.6 2.9 1.82007 -0.7 1.0 -1.6 0.4 -2.6 -3.6
0
5
10
15
20
25
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMedian value of other debt for families with holdings
Median value of other debt for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 0.8 1.6 1.4 1.9 6.4 8.01992 1.6 1.2 2.9 4.2 4.3 8.71995 2.7 1.4 2.7 2.6 5.0 6.81998 1.3 2.2 2.5 3.8 6.4 12.72001 1.2 3.5 2.3 3.5 4.7 24.62004 2.2 2.9 2.5 3.8 5.5 10.42007 3.0 4.0 4.0 5.3 5.0 7.5
Three-year change (percent)1992 100.0 -25.0 107.1 121.1 -32.8 8.81995 68.8 16.7 -6.9 -38.1 16.3 -21.81998 -51.9 57.1 -7.4 46.2 28.0 86.82001 -7.7 59.1 -8.0 -7.9 -26.6 93.72004 83.3 -17.1 8.7 8.6 17.0 -57.72007 36.4 37.9 60.0 39.5 -9.1 -27.9
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 20 20−39.9 40−59.960−79.9 80−89.9 90−100
By percentile of incomeMean value of other debt for families with holdings
Mean value of other debt for families with holdingsPercentile of income
Year Less than20
20-39.9 40-59.9 60-79.9 80-89.9 90-100
Level (thousands of 2007 dollars)1989 6.4 5.2 5.9 12.5 19.1 28.91992 12.2 2.8 11.0 7.5 8.9 30.71995 9.3 5.9 8.4 7.1 8.7 62.81998 3.4 5.2 7.5 18.4 14.8 101.92001 2.5 10.2 7.1 7.4 13.5 112.82004 10.0 8.4 7.5 6.4 19.8 72.52007 6.5 7.8 7.8 9.0 22.4 60.3
Three-year change (percent)1992 90.6 -46.2 86.4 -40.0 -53.4 6.21995 -23.8 110.7 -23.6 -5.3 -2.2 104.61998 -63.4 -11.9 -10.7 159.2 70.1 62.32001 -26.5 96.2 -5.3 -59.8 -8.8 10.72004 300.0 -17.6 5.6 -13.5 46.7 -35.72007 -35.0 -7.1 4.0 40.6 13.1 -16.8
2
4
6
8
10
12
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headPercent of families with other debt
Percent of families with other debtAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (percent)1989 6.1 8.5 9.4 8.1 3.3 1.91992 6.4 11.5 10.4 9.6 6.0 4.41995 7.4 10.5 13.0 7.8 5.4 2.91998 9.6 11.4 11.1 8.3 4.1 2.02001 8.8 8.0 7.4 7.4 5.0 3.62004 6.2 11.3 9.4 8.4 4.0 2.52007 5.9 7.5 9.8 8.7 4.4 1.3
Three-year change (percentage points)1992 0.3 3.0 1.0 1.5 2.7 2.51995 1.0 -1.0 2.6 -1.8 -0.6 -1.51998 2.2 0.9 -1.9 0.5 -1.3 -0.92001 -0.8 -3.4 -3.7 -0.9 0.9 1.62004 -2.6 3.3 2.0 1.0 -1.0 -1.12007 -0.3 -3.8 0.4 0.3 0.4 -1.2
0
2
4
6
8
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMedian value of other debt for families with holdings
Median value of other debt for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 1.3 1.9 4.8 4.3 3.2 8.01992 2.0 4.3 4.3 4.3 2.2 3.91995 2.0 2.7 4.1 5.4 2.7 5.41998 2.2 3.8 6.4 6.4 5.7 2.22001 2.3 3.6 5.8 5.8 2.9 2.92004 3.3 4.4 4.4 6.0 5.5 2.22007 4.5 5.0 4.5 6.0 5.0 4.5
Three-year change (percent)1992 53.8 126.3 -10.4 0.0 -31.2 -51.21995 0.0 -37.2 -4.7 25.6 22.7 38.51998 10.0 40.7 56.1 18.5 111.1 -59.32001 4.5 -5.3 -9.4 -9.4 -49.1 31.82004 43.5 22.2 -24.1 3.4 89.7 -24.12007 36.4 13.6 2.3 0.0 -9.1 104.5
0
20
40
60
80
100
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 35 35−44 45−5455−64 65−74 75 or older
By age of headMean value of other debt for families with holdings
Mean value of other debt for families with holdingsAge of head
Year Less than35
35-44 45-54 55-64 65-74 75 or older
Level (thousands of 2007 dollars)1989 5.8 8.2 21.3 19.1 24.5 27.91992 4.5 11.8 13.7 16.0 28.8 7.41995 9.3 10.7 12.3 45.7 33.5 7.51998 4.8 7.7 45.5 43.0 75.8 68.32001 5.6 12.7 32.0 44.0 17.6 35.72004 6.7 10.6 14.9 39.0 43.8 43.52007 7.8 12.7 11.7 19.3 27.7 89.9
Three-year change (percent)1992 -22.4 43.9 -35.7 -16.2 17.6 -73.51995 106.7 -9.3 -10.2 185.6 16.3 1.41998 -48.4 -28.0 269.9 -5.9 126.3 810.72001 16.7 64.9 -29.7 2.3 -76.8 -47.72004 19.6 -16.5 -53.4 -11.4 148.9 21.82007 16.4 19.8 -21.5 -50.5 -36.8 106.7
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structurePercent of families with other debt
Percent of families with other debtFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (percent)1989 5.6 4.9 1.6 8.8 8.41992 7.7 7.7 3.7 10.7 9.01995 9.6 10.6 4.3 9.8 7.31998 7.8 10.0 2.4 11.9 7.82001 7.6 7.9 5.8 8.8 5.62004 6.1 8.4 5.1 10.2 6.22007 10.1 7.0 3.7 7.9 5.7
Three-year change (percentage points)1992 2.1 2.8 2.1 1.9 0.61995 1.9 2.9 0.6 -0.9 -1.71998 -1.8 -0.6 -1.9 2.1 0.52001 -0.2 -2.1 3.4 -3.1 -2.22004 -1.5 0.5 -0.7 1.4 0.62007 4.0 -1.4 -1.4 -2.3 -0.5
1
2
3
4
5
6
7
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMedian value of other debt for families with holdings
Median value of other debt for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 1.1 1.3 0.7 3.2 5.91992 1.4 4.3 1.9 3.9 4.31995 2.7 2.4 3.7 2.7 5.41998 2.3 2.4 6.4 4.8 6.42001 2.3 2.3 3.9 4.7 7.02004 2.2 3.3 2.2 5.5 4.42007 5.0 3.0 4.0 5.3 5.0
Three-year change (percent)1992 27.3 230.8 171.4 21.9 -27.11995 92.9 -44.2 94.7 -30.8 25.61998 -14.8 0.0 73.0 77.8 18.52001 0.0 -4.2 -39.1 -2.1 9.42004 -4.3 43.5 -43.6 17.0 -37.12007 127.3 -9.1 81.8 -3.6 13.6
0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Single with child(ren) Single, no child, age<55Single, no child, age>=55 Couple with child(ren)Couple, no child
By family structureMean value of other debt for families with holdings
Mean value of other debt for families with holdingsFamily structure
Year Single withchild(ren)
Single, nochild,
age<55
Single, nochild,
age≥55
Couple withchild(ren)
Couple, nochild
Level (thousands of 2007 dollars)1989 11.6 8.9 5.8 13.7 17.61992 2.5 8.3 10.2 14.6 16.71995 8.9 7.1 28.7 15.7 26.71998 4.1 17.7 61.6 21.3 43.52001 3.0 4.5 13.9 20.4 45.52004 13.8 7.1 10.7 21.8 27.82007 8.3 6.3 8.8 17.7 25.7
Three-year change (percent)1992 -78.4 -6.7 75.9 6.6 -5.11995 256.0 -14.5 181.4 7.5 59.91998 -53.9 149.3 114.6 35.7 62.92001 -26.8 -74.6 -77.4 -4.2 4.62004 360.0 57.8 -23.0 6.9 -38.92007 -39.9 -11.3 -17.8 -18.8 -7.6
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headPercent of families with other debt
Percent of families with other debtEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (percent)1989 3.1 5.5 7.4 10.71992 6.2 7.9 7.4 10.81995 5.4 8.3 10.7 9.21998 6.9 8.5 9.3 9.72001 5.7 7.9 6.4 7.62004 5.7 5.9 10.3 8.52007 5.3 6.4 9.3 6.5
Three-year change (percentage points)1992 3.1 2.4 0.0 0.11995 -0.8 0.4 3.3 -1.61998 1.5 0.2 -1.4 0.52001 -1.2 -0.6 -2.9 -2.12004 0.0 -2.0 3.9 0.92007 -0.4 0.5 -1.0 -2.0
0
2
4
6
8
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMedian value of other debt for families with holdings
Median value of other debt for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 1.1 1.9 8.0 3.21992 2.9 2.9 2.9 4.31995 2.0 2.7 1.9 4.11998 1.7 3.2 3.8 6.42001 1.2 3.0 2.3 6.42004 4.4 3.3 3.7 5.52007 4.0 4.5 5.0 6.0
Three-year change (percent)1992 163.6 52.6 -63.8 34.41995 -31.0 -6.9 -34.5 -4.71998 -15.0 18.5 100.0 56.12001 -29.4 -6.2 -39.5 0.02004 266.7 10.0 60.9 -14.12007 -9.1 36.4 35.1 9.1
0
10
20
30
40
50
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
No high school diploma High school diplomaSome college College degree
By education of headMean value of other debt for families with holdings
Mean value of other debt for families with holdingsEducation of head
Year No high schooldiploma
High schooldiploma
Some college College degree
Level (thousands of 2007 dollars)1989 7.0 9.9 8.8 19.71992 6.7 6.8 19.6 16.41995 7.3 11.1 10.9 28.81998 3.7 12.5 14.9 49.62001 9.9 7.5 15.5 39.62004 6.5 11.6 12.3 30.02007 8.6 10.7 9.7 26.2
Three-year change (percent)1992 -4.3 -31.3 122.7 -16.81995 9.0 63.2 -44.4 75.61998 -49.3 12.6 36.7 72.22001 167.6 -40.0 4.0 -20.22004 -34.3 54.7 -20.6 -24.22007 32.3 -7.8 -21.1 -12.7
5
6
7
8
9
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentPercent of families with other debt
Percent of families with other debtRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (percent)
1989 7.2 5.11992 8.2 9.11995 8.5 8.51998 8.8 8.52001 7.4 6.52004 7.8 7.32007 6.7 7.0
Three-year change (percentage points)1992 1.0 4.01995 0.3 -0.61998 0.3 0.02001 -1.4 -2.02004 0.4 0.82007 -1.1 -0.3
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMedian value of other debt for families with holdings
Median value of other debt for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 3.2 1.11992 4.3 2.91995 3.4 2.01998 4.2 2.22001 4.3 2.32004 4.4 3.32007 5.0 5.0
Three-year change (percent)1992 34.4 163.61995 -20.9 -31.01998 23.5 10.02001 2.4 4.52004 2.3 43.52007 13.6 51.5
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
White, non−Hispanic Nonwhite or Hispanic
By race or ethnicity of respondentMean value of other debt for families with holdings
Mean value of other debt for families with holdingsRace or ethnicity of respondent
Year White, non-Hispanic Nonwhite or HispanicLevel (thousands of 2007 dollars)
1989 14.3 11.51992 14.9 6.61995 19.7 5.51998 29.2 12.82001 25.0 5.42004 22.7 7.62007 17.2 11.4
Three-year change (percent)1992 4.2 -42.61995 32.2 -16.71998 48.2 132.72001 -14.4 -57.82004 -9.2 40.72007 -24.2 50.0
2
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headPercent of families with other debt
Percent of families with other debtCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (percent)1989 7.5 10.7 3.3 5.51992 9.4 12.4 5.2 6.41995 9.9 8.8 4.6 9.71998 10.8 10.7 3.3 7.52001 8.2 8.1 4.4 6.12004 9.8 5.8 3.9 2.32007 8.7 4.7 3.2 7.5
Three-year change (percentage points)1992 1.9 1.7 1.9 0.91995 0.5 -3.6 -0.6 3.31998 0.9 1.9 -1.3 -2.22001 -2.6 -2.6 1.1 -1.42004 1.6 -2.3 -0.5 -3.82007 -1.1 -1.1 -0.7 5.2
0
5
10
15
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMedian value of other debt for families with holdings
Median value of other debt for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 3.2 8.0 1.6 0.51992 3.6 7.2 2.9 3.61995 2.7 6.8 4.1 2.01998 3.8 8.3 2.4 1.42001 2.5 13.9 3.9 2.92004 3.8 7.7 3.3 8.82007 5.0 10.0 4.5 8.0
Three-year change (percent)1992 12.5 -10.0 81.2 620.01995 -25.0 -5.6 41.4 -44.41998 40.7 22.1 -41.5 -30.02001 -34.2 67.5 62.5 107.12004 52.0 -44.6 -15.4 203.42007 31.6 29.9 36.4 -9.1
0
20
40
60
80
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Employee Self−employedRetired Other not working
By current work status of headMean value of other debt for families with holdings
Mean value of other debt for families with holdingsCurrent work status of head
Year Employee Self-employed Retired Other notworking
Level (thousands of 2007 dollars)1989 9.6 33.7 11.7 1.81992 9.4 32.1 6.2 11.81995 8.8 80.2 12.1 3.21998 14.3 54.6 80.7 5.82001 13.8 61.9 17.5 14.92004 9.5 80.1 29.4 44.22007 9.5 69.3 23.1 11.2
Three-year change (percent)1992 -2.1 -4.7 -47.0 555.61995 -6.4 149.8 95.2 -72.91998 62.5 -31.9 566.9 81.22001 -3.5 13.4 -78.3 156.92004 -31.2 29.4 68.0 196.62007 0.0 -13.5 -21.4 -74.7
4
6
8
10
12
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headPercent of families with other debt
Percent of families with other debtCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (percent)1989 10.8 5.0 8.3 3.71992 12.4 7.7 9.8 5.51995 10.3 10.5 8.6 5.61998 10.9 10.1 11.2 4.02001 7.7 7.9 9.0 4.72004 10.2 7.5 9.6 3.62007 7.0 7.9 9.7 3.9
Three-year change (percentage points)1992 1.6 2.7 1.5 1.81995 -2.1 2.8 -1.2 0.11998 0.6 -0.4 2.6 -1.62001 -3.2 -2.2 -2.2 0.72004 2.5 -0.4 0.6 -1.12007 -3.2 0.4 0.1 0.3
0
2
4
6
8
10
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMedian value of other debt for families with holdings
Median value of other debt for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 4.8 3.2 3.2 1.31992 4.3 4.3 3.6 2.91995 4.7 2.0 2.4 2.71998 6.4 5.1 2.5 2.22001 8.8 2.3 2.3 3.52004 5.5 3.3 3.3 4.42007 7.0 4.0 4.8 5.0
Three-year change (percent)1992 -10.4 34.4 12.5 123.11995 9.3 -53.5 -33.3 -6.91998 36.2 155.0 4.2 -18.52001 37.5 -54.9 -8.0 59.12004 -37.5 43.5 43.5 25.72007 27.3 21.2 45.5 13.6
0
10
20
30
40
50
60
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Managerial or professional Technical, sales, or servicesOther occupation Retired or other not working
By current occupation of headMean value of other debt for families with holdings
Mean value of other debt for families with holdingsCurrent occupation of head
Year Managerial orprofessional
Technical, sales,or services
Otheroccupation
Retired or othernot working
Level (thousands of 2007 dollars)1989 16.9 17.3 11.1 8.71992 21.3 9.4 8.6 7.81995 36.9 13.7 6.5 9.01998 31.1 27.9 5.5 56.32001 48.3 7.4 6.6 17.02004 26.6 11.3 7.8 30.92007 23.5 13.8 7.1 19.5
Three-year change (percent)1992 26.0 -45.7 -22.5 -10.31995 73.2 45.7 -24.4 15.41998 -15.7 103.6 -15.4 525.62001 55.3 -73.5 20.0 -69.82004 -44.9 52.7 18.2 81.82007 -11.7 22.1 -9.0 -36.9
5
6
7
8
9
10
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionPercent of families with other debt
Percent of families with other debtRegion
Year Northeast Midwest South WestLevel (percent)
1989 5.8 8.0 6.1 7.01992 6.8 9.7 7.3 10.31995 9.8 7.4 8.5 8.41998 7.9 10.0 8.8 8.12001 6.7 7.4 6.5 8.72004 7.8 8.6 6.5 8.42007 5.6 7.0 6.9 7.5
Three-year change (percentage points)1992 1.0 1.7 1.2 3.31995 3.0 -2.3 1.2 -1.91998 -1.9 2.6 0.3 -0.32001 -1.2 -2.6 -2.3 0.62004 1.1 1.2 0.0 -0.32007 -2.2 -1.6 0.4 -0.9
2
3
4
5
6
7
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMedian value of other debt for families with holdings
Median value of other debt for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 3.2 3.2 3.2 3.21992 2.9 4.3 2.9 4.31995 4.7 2.7 2.7 2.21998 2.5 3.8 3.2 6.42001 5.3 3.5 2.9 3.52004 5.5 4.4 4.4 3.32007 6.5 5.0 4.5 6.0
Three-year change (percent)1992 -9.4 34.4 -9.4 34.41995 62.1 -37.2 -6.9 -48.81998 -46.8 40.7 18.5 190.92001 112.0 -7.9 -9.4 -45.32004 3.8 25.7 51.7 -5.72007 18.2 13.6 2.3 81.8
10
15
20
25
30
35
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Northeast Midwest SouthWest
By regionMean value of other debt for families with holdings
Mean value of other debt for families with holdingsRegion
Year Northeast Midwest South WestLevel (thousands of 2007 dollars)
1989 9.5 16.0 12.5 16.21992 16.0 12.2 13.1 10.61995 23.7 15.2 17.5 8.31998 14.7 24.5 31.5 25.32001 39.3 13.0 8.9 29.72004 15.3 13.8 17.6 28.32007 18.5 10.1 14.2 20.8
Three-year change (percent)1992 68.4 -23.8 4.8 -34.61995 48.1 24.6 33.6 -21.71998 -38.0 61.2 80.0 204.82001 167.3 -46.9 -71.7 17.42004 -61.1 6.2 97.8 -4.72007 20.9 -26.8 -19.3 -26.5
6.5
7
7.5
8
8.5
9
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityPercent of families with other debt
Percent of families with other debtUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (percent)1989 6.6 6.91992 8.3 8.81995 8.5 8.21998 9.0 7.32001 6.9 9.22004 7.9 6.42007 6.6 8.0
Three-year change (percentage points)1992 1.7 1.91995 0.2 -0.61998 0.5 -0.92001 -2.1 1.92004 1.0 -2.82007 -1.3 1.6
2.5
3
3.5
4
4.5
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMedian value of other debt for families with holdings
Median value of other debt for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 3.2 4.31992 4.1 2.91995 2.7 2.71998 3.8 3.82001 3.5 2.92004 4.4 4.42007 5.0 5.0
Three-year change (percent)1992 28.1 -32.61995 -34.1 -6.91998 40.7 40.72001 -7.9 -23.72004 25.7 51.72007 13.6 13.6
5
10
15
20
25
30
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Metropolitan Statistical Area (MSA) Non−MSA
By urbanicityMean value of other debt for families with holdings
Mean value of other debt for families with holdingsUrbanicity
Year Metropolitan Statistical Area(MSA)
Non-MSA
Level (thousands of 2007 dollars)1989 13.7 14.01992 14.3 6.21995 18.1 6.41998 28.0 7.32001 23.7 6.62004 19.8 12.32007 17.3 8.3
Three-year change (percent)1992 4.4 -55.71995 26.6 3.21998 54.7 14.12001 -15.4 -9.62004 -16.5 86.42007 -12.6 -32.5
6.5
7
7.5
8
8.5
9
9.5
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusPercent of families with other debt
Percent of families with other debtHousing status
Year Owner Renter or otherLevel (percent)
1989 6.8 6.41992 9.1 7.11995 8.0 9.41998 9.3 7.82001 6.9 7.82004 7.7 7.32007 6.8 6.9
Three-year change (percentage points)1992 2.3 0.71995 -1.1 2.31998 1.3 -1.62001 -2.4 0.02004 0.8 -0.52007 -0.9 -0.4
1
2
3
4
5
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMedian value of other debt for families with holdings
Median value of other debt for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 4.3 1.11992 4.3 2.21995 4.1 2.01998 5.1 1.72001 4.7 2.32004 4.4 3.32007 5.0 4.9
Three-year change (percent)1992 0.0 100.01995 -4.7 -9.11998 24.4 -15.02001 -7.8 35.32004 -6.4 43.52007 13.6 48.5
5
10
15
20
25
30
35
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Owner Renter or other
By housing statusMean value of other debt for families with holdings
Mean value of other debt for families with holdingsHousing status
Year Owner Renter or otherLevel (thousands of 2007 dollars)
1989 16.3 9.01992 16.1 4.91995 20.8 9.81998 34.3 4.92001 26.0 10.72004 23.4 7.72007 17.5 11.2
Three-year change (percent)1992 -1.2 -45.61995 29.2 100.01998 64.9 -50.02001 -24.2 118.42004 -10.0 -28.02007 -25.2 45.5
4
6
8
10
12
14
Per
cent
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthPercent of families with other debt
Percent of families with other debtPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (percent)
1989 7.6 3.5 5.1 8.7 12.91992 7.7 8.3 7.2 7.9 14.11995 9.6 9.4 7.0 8.2 7.31998 9.3 9.2 7.7 7.6 10.82001 8.3 7.2 7.1 4.9 8.22004 6.2 9.4 6.9 7.2 9.12007 6.7 8.2 7.4 3.8 6.8
Three-year change (percentage points)1992 0.1 4.8 2.1 -0.8 1.21995 1.9 1.1 -0.2 0.3 -6.81998 -0.3 -0.2 0.7 -0.6 3.52001 -1.0 -2.0 -0.6 -2.7 -2.62004 -2.1 2.2 -0.2 2.3 0.92007 0.5 -1.2 0.5 -3.4 -2.3
0
10
20
30
40
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMedian value of other debt for families with holdings
Median value of other debt for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 1.0 1.4 1.9 5.3 11.31992 1.6 1.9 3.6 7.2 8.71995 2.0 2.2 2.7 4.1 12.81998 1.9 2.5 6.4 7.6 25.52001 2.3 1.4 4.7 8.2 35.12004 4.4 2.2 4.4 5.5 22.02007 5.0 3.9 5.0 5.0 15.0
Three-year change (percent)1992 60.0 35.7 89.5 35.8 -23.01995 25.0 15.8 -25.0 -43.1 47.11998 -5.0 13.6 137.0 85.4 99.22001 21.1 -44.0 -26.6 7.9 37.62004 91.3 57.1 -6.4 -32.9 -37.32007 13.6 77.3 13.6 -9.1 -31.8
0
20
40
60
80
100
120
Tho
usan
ds o
f 200
7 do
llars
1989 1992 1995 1998 2001 2004 2007Year
Less than 25 25−49.9 50−74.975−89.9 90−100
By percentile of net worthMean value of other debt for families with holdings
Mean value of other debt for families with holdingsPercentile of net worth
Year Less than 25 25-49.9 50-74.9 75-89.9 90-100Level (thousands of 2007 dollars)
1989 6.3 6.8 7.2 8.1 41.81992 6.9 4.1 8.0 9.0 42.21995 9.3 5.1 8.6 10.9 105.51998 16.3 4.3 7.4 24.8 122.82001 7.2 4.8 6.5 22.3 119.02004 7.3 5.6 10.5 9.8 98.12007 10.7 6.0 6.4 21.0 75.8
Three-year change (percent)1992 9.5 -39.7 11.1 11.1 1.01995 34.8 24.4 7.5 21.1 150.01998 75.3 -15.7 -14.0 127.5 16.42001 -55.8 11.6 -12.2 -10.1 -3.12004 1.4 16.7 61.5 -56.1 -17.62007 46.6 7.1 -39.0 114.3 -22.7