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Page 1: UNITED WAY ASSOCIATION OF SOUTH CAROLINA...UNITED WAY ASSOCIATION OF SOUTH CAROLINA United Way Association of South Carolina (UWASC) works to maximize the FDSDFLW\ DQG H MHFWLYHQHVV
Page 2: UNITED WAY ASSOCIATION OF SOUTH CAROLINA...UNITED WAY ASSOCIATION OF SOUTH CAROLINA United Way Association of South Carolina (UWASC) works to maximize the FDSDFLW\ DQG H MHFWLYHQHVV

UNITED WAY ASSOCIATION OF SOUTH CAROLINAUnited Way Association of South Carolina (UWASC) works to maximize the

issues that impact the quality of life of South Carolina residents in the areas

THE CENTER FOR WOMEN’S WELFARE

…advancing economic just ice through research and the Self -Sufficiency Standard

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 20162nd Edition

By Diana M. Pearce, PhD February 2016

PREPARED FOR

United Way Association of South Carolina

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PREFACE

The Self-Sufficiency Standard for South Carolina 2016 is the first calculation of this data in South Carolina. As with all Self-Sufficiency Standard reports, this one was authored by Dr. Diana M. Pearce and produced by the Center for Women’s Welfare at the University of Washington. This report, plus tables providing county-specific information for 152 family types, is available online at www.selfsufficiencystandard.org/south-carolina and www.uwasc.org/scstandard.

Note on second edition: the data, calculations, and analysis are the same as in the first edition, however the second edition provides descriptions of applications and examples of uses of the Standard that are more specifically focused on South Carolina and the region.

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ACKNOWLEDGMENTS

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THE SELF-SUFFICIENCY STANDARD AT A GLANCE

HOURLY WAGE TO BE SELF-SUFFICIENT VARIES BY FAMILY TYPE

The Self-Sufficiency Standard calculates how much income families of various sizes and compositions need to make ends meet without public or private assistance.

HOW MUCH IS ENOUGH IN SOUTH CAROLINA?

$9.48

$15.67 $18.32

$10.90(per adult)

1 Adult 1 Adult +1 Preschooler

1 Adult +1 Preschooler +

1 School-age

2 Adults +1 Preschooler +

1 School-age

Greenville County

HOURLY WAGE TO BE SELF-SUFFICIENT VARIES BY COUNTY

1 adult + 1 preschooler

$12.49 $18.43

HOUSING AND CHILD CARE TYPICALLY ACCOUNT

FOR ALMOST HALF OF THE FAMILY BUDGET

Greenwood County

Expenses= $3,541per month

To download the full report and data for all 152 family types visit www.selfsufficiencystandard.org/south-carolina

THE SELF-SUFFICIENCY STANDARD DEFINED

Housing = $634Child Care = $875Food = $651Transportation = $513

Health Care = $543Miscellaneous = $322Taxes-Net = $3

Abbeville

Aiken

Allendale

Anderson

BambergBarnwell

Beaufort

Berkeley

Calhoun

Charleston

Charleston

Cherokee

Chester Chesterfield

Clarendon

Colleton

Darlington Dillon

Dorchester

Edgefield

Fairfield

Florence

Georgetown

Greenville

Greenwood

Hampton

Horry

Jasper

Kershaw

Lancaster

Laurens

Lee

LexingtonMccormick

Marion

Marlboro

Newberry

Oconee

Orangeburg

Pickens

RichlandSaluda

Spartanburg

Sumter

Union

Williamsburg

York

Lowest Wage

$12.49

$18.43

Highest Wage

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KEY FINDINGS

SELECTED FINDINGS FROM THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Iconsiderably by geographic location. For instance, the amount needed to make ends

See .

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a family and the age of each child.

See .

account for approximately 50% of the family’s budget. For example, for a family with two

See .

sized Southern cities.

See .

For example, the federal

See .

See .

One Adult One AdultOne Preschooler

One AdultOne PreschoolerOne School-age

One PreschoolerOne School-age

Charleston

Florence

Horry

Orangeburg

Spartanburg

Union

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A

See .

WHAT THE SELF-SUFFICIENCY STANDARD MEANS FOR SOUTH CAROLINA

A

See .

See .

THE FEDERAL POVERTY LEVEL FOR THREE-PERSON FAMILIES ($20,090 ANNUALLY)

IS SET AT A LEVEL WELL BELOW WHAT IS MINIMALLY NEEDED TO MEET A FAMILY’S

BASIC NEEDS.

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RAISING INCOMES means enhancing skills as well as improving access to jobs that pay self-su cient wages and have career potential. A strong economy will mean good jobs that pay self-su cient wages, a workforce with the skills necessary to ll those jobs, and enhancing links and removing barriers between those jobs and the workers that need them. Access to education, training, and jobs is important and provides real potential for skill and career advancement over the long term.

The Self-Su ciency Standard can be used as a tool to:

• Evaluate proposed policy changes,

• Target resources toward job training for elds that pay self-su cient wages,

• Evaluate outcomes for clients in employment programs,

• Assist grant-makers with needs analyses of their communities to assess the impacts of their grants, and

• Serve as a counseling tool in work training programs.

The Self-Su ciency Standard is currently used to better understand issues of income adequacy, analyze policy, and help individuals striving to be self-su cient. Community organizations, academic researchers, foundations, policy institutes, legal advocates, training providers, community action agencies, and state and local o cials, among others, are using the Self-Su ciency Standard.

IN SUMMARY...

The report begins with putting the Self-Su ciency Standard in context, describing how it is a unique and important measure of income adequacy and comparing and contrasting it with federal poverty measures. The report then leads readers through a description of what a self-su cient wage is for South Carolina families and how it di ers depending on family type and geographic area. The report compares South Carolina to other places in the United States and compares the South Carolina Standard to other commonly used benchmarks of income. For families without adequate income, the report models how public supports, such as child care assistance, can be a valuable resource to help families cover their basic needs as they move toward self-su ciency. It concludes with a brief discussion of the various pathways to economic self-su ciency.

The appendices provide a more detailed explanation of the methodology and data sources used to calculate the South Carolina Standard; detailed tables of the Standard, including the speci c costs of meeting each basic need and the Self-Su ciency Wage for eight selected family types in all counties; and detailed calculations behind the modeling of work supports’ impact on wage adequacy in the report itself. Note that the data for the full set of 152 family types, for every South Carolina county is available at www.selfsu ciencystandard.org/south-carolina and www.uwasc.org.

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GETTING TO SELF-SUFFICIENCYClosing the wage gap between current wages and the Self-Sufficiency Standard requires both reducing costs and raising incomes.

HOW DO SOUTH CAROLINA’S JOBS STACK UP?

The ten most commonoccupations* cover a

quarter of SouthCarolina’s workforce

*See Figure E on page 21

Only ONE of these occupations hasmedian wages above the Standard

for this family in Aiken County

Aiken County1 adult + 1 preschooler + 1 school-age

HOW DO WORK SUPPORTS HELP FAMILIES MEET BASIC NEEDS?

HousingHousing

Child Care

Child Care

Food

Food

Transportation

Transportation

Health Care

Health Care

Miscellaneous

Miscellaneous

Taxes

Taxes

WITH NO WORK SUPPORTS

WITH WORK SUPPORTS& CHILD SUPPORTS

Monthly Expenses = $3,648Wage needed = $20.73 per hour

Monthly Expenses = $1,582Wage needed = $8.99 per hour

York County1 adult + 1 preschooler + 1 school-age

This figure shows how work supports can reduce a family’s expenses, so they can get by on a lower wage until they are able to earn Self-Sufficiency Wages.

A housing voucher reduces costs from $854 to $475 per month (30% of income).

Food assistance reduces groceries from $588 to $323 per month.

Child care voucher reduces this from $867 to just $95 copay per month.

S-CHIP (Children’s Health Insurance Program) reduces health care costs from $447 to $172 per month.

48% The amount of basic needs covered by the Federal Poverty Level

$41,861

$20,090

$21,535

SELF-SUFFICIENCY WAGE

FEDERAL POVERTY LEVELFamily of 3

FULL-TIME MINIMUM WAGEIncludes tax and tax credits, $7.25/hr

HOW DOES THE STANDARD COMPARE?

Number of hours a minimum wage workermust work per week to meet basic needs 109

Richland County1 adult + 1 preschooler + 1 school-age

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compares to other places across the United States, and how the Standard compares to other income

INTRODUCTION

without public or private assistance

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4 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Figure G

A REAL-WORLD APPROACH TO MEASURING NEED

2 Indeed, the

as a complete description of what people and families Despite the many limitations of the federal

measure is that for most families, in most places, the

only on the cost of food, is the same no matter where one

the Standard assumes all adults work to support their

expenses such as child care (when needed), taxes, and

care, food, health care, transportation, miscellaneous

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 5

HOW IS THE SELF-SUFFICIENCY STANDARD CALCULATED?

adult with one infant, one adult with one preschooler, and

(see

FOOD.

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6 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 9

WHAT IT MEANS TO MAKE ENDS MEET IN SOUTH CAROLINA

Table 2

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly** per adult

Monthly

Annual

5

When there are two adults, the additional adult

need to earn a minimum

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10 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Figure A

THE AMOUNT OF MONEY FAMILIES NEED TO BE ECONOMICALLY SELF-SUFFICIENT VARIES DRASTICALLY

DEPENDING ON FAMILY SIZE AND THE COUNTY OF RESIDENCE.

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 11

Abbeville

Aiken

Allendale

Anderson

BambergBarnwell

Beaufort

Berkeley

Calhoun

Charleston

Charleston

Cherokee

Chester Chesterfield

Clarendon

Colleton

Darlington Dillon

Dorchester

Edgefield

Fairfield

Florence

Georgetown

Greenville

Greenwood

Hampton

Horry

Jasper

Kershaw

Lancaster

Laurens

Lee

LexingtonMcCormick

Marion

Marlboro

Newberry

Oconee

Orangeburg

Pickens

RichlandSaluda

Spartanburg

Sumter

Union

Williamsburg

York

Lowest Wage

$12.49

$18.43

Highest Wage

Jasper Dorchester

Hampton Charleston

Williamsburg Marion

Oconee Allendale Beaufort

Union Dillon Spartanburg Horry

Darlington Sumter

Saluda Calhoun Marlboro Richland

Clarendon Florence

Chester Anderson

Bamberg

Colleton

Orangeburg

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12 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

HOW DO FAMILY BUDGETS CHANGE AS FAMILIES GROW?

Figure B

with the addition of child care, the proportions spent on

6

If neither adult has employer sponsored

8

for an explanation of the

$0

$500

$1,000

$1,500

$2,000

$2,500

$3,000

$3,500

$4,000

MONTHLYEXPENSES

TWO ADULTS$2,413 per month

TWO ADULTSONE INFANT

ONE PRESCHOOLER$3,543 per month

TWO ADULTSONE SCHOOL-AGE

ONE TEENAGER$2,865 per month

Housing 20%

Food 19%

Transportation 21%

Health Care 22%

Miscellaneous 8%

Taxes-Net* 11%

Housing 18%

Child Care 25%

Food 18%

Transportation 14%

Health Care 15%

Miscellaneous 9%

Housing 22%

Child Care 9%

Food 28%

Transportation 18%

Health Care 21%

Miscellaneous 10%

Taxes-Net** -7%

Figure B

family type, a much smaller proportion than was necessary

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 13

HOW DOES THE REAL COST OF LIVING IN SOUTH CAROLINA CITIES COMPARE TO OTHER U.S. CITIES?

Figure C, the

LAFAYETTE, LA$12.76

CLARKSVILLE, TN$14.93

SPARTANBURG, SC$14.59

GAINESVILLE, FL $15.82

SAVANNAH, GA$16.59

DAYTON, OH$18.07

SYRACUSE, NY$20.98

HAMPTON, VA$21.56

ELIZABETH, NJ$25.50

BELLEVUE, WA**$29.77

COLUMBIA, SC$16.87

FORT COLLINS, CO$22.03

TEMPE, AZ$20.99

COLUMBIA IS MORE EXPENSIVE THAN ALL OTHER

SOUTHERN CITIES ON THIS LIST EXCEPT FOR

HAMPTON, VA.

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 15

HOW DOES THE SELF-SUFFICIENCY STANDARD COMPARE TO OTHER BENCHMARKS OF INCOME?

As a measure of income adequacy, how does the Standard Figure D

comparison is intended to indicate how the Standard

Figure D

Figure D

INCOME BENCHMARKS

ANNUAL INCOME

$45,737

$10,017

$20,090 $21,535

$62,010

$20,000

$30,000

$40,000

$50,000

$60,000

$70,000

SELF-SUFFICIENCYWAGE

WELFARE:TANF, SNAP, & WIC*

FEDERALPOVERTY LEVEL

FULL-TIMEMINIMUM WAGE**

HUD INCOME LIMITS:MEDIAN FAMILY

INCOME***

$48,550 =Low Income Limit

$30,350 =Very Low

Income Limit

$14,141

$24,250 = Extremely LowIncome Limit

$10,000

$0

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16 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Table 3

realistically that the worker pays taxes (as is true

OTHER APPROACHES TO POVERTY MEASUREMENT

THE FPL FOR THREE-PERSON FAMILIES IS JUST

44% OF THE SELF-SUFFICIENCY STANDARD FOR

THIS BEAUFORT COUNTY FAMILY.

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 17

Annual Self-

Standard

Annual Self-

StandardFederal Minimum

Wage

Area Median Family

Federal Minimum Wage

Area Median Family

Allendale County

Anderson County

Bamberg County

Beaufort County

Calhoun County

Charleston County

Chester County

Clarendon County

Colleton County

Darlington County

Dillon County

Dorchester County

Florence County

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18 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Annual Self-

Standard

Annual Self-

StandardFederal Minimum

Wage

Area Median Family

Federal Minimum Wage

Area Median Family

Hampton County

Horry County

Jasper County

Marion County

Marlboro County

Oconee County

Orangeburg County

Richland County

Saluda County

Spartanburg County

Sumter County

Union County

Williamsburg County

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 21

THE WAGE GAP: MOST COMMON OCCUPATIONS FALL SHORT OF THE SELF-SUFFICIENCY STANDARD

next question is how families can secure the resources Figure E

of the Standard for an Aiken County family with one adult,

requires

Put another way, 91% of workers in the ten most common occupations, many of them in the fast growing but low

support their families.

0% 20% 40% 60% 80% 100% 120% 140%

Food Preparation &Serving Workers

(Including Fast Food)

Secretaries &Administrative

Assistants

$17.75per hour

HOURLY WAGE

PERCENTAGE OFSELF-SUFFICIENCY STANDARD

$8.55

$8.64

$8.71

$9.62

$11.25

$12.10

$13.49

$13.98

$14.21

$28.04

Waiters & Waitresses

Cashiers

Retail Salespersons

Laborers & Freight,Stock, & Material

Movers, Hand

Office Clerks, General

Customer ServiceRepresentatives

Team Assemblers

Registered Nurses

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22 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

too low in many common South Carolina occupations,

91% OF WORKERS IN THE MOST COMMON

OCCUPATIONS, MANY OF THEM IN THE FAST GROWING

BUT LOW WAGE SERVICE SECTOR, DO NOT EARN

WAGES SUFFICIENT TO SUPPORT THEIR FAMILIES

supplement their incomes with work supports until their

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 23

Child Care.

Health Care.

Food.

Housing.

HOW DO WORK SUPPORTS AND

CHILD SUPPORT REDUCE COSTS?

Table 4 summary of the work supports, child support, and tax

CLOSING THE WAGE GAP: REDUCE COSTS

WORK SUPPORTS CAN HELP WORKING FAMILIES ACHIEVE ECONOMIC STABILITY, SO THAT THEY DO NOT

NEED TO CHOOSE FROM AMONG THEIR BASIC NEEDS, SUCH AS SCRIMPING ON NUTRITION, LIVING IN

OVERCROWDED OR SUBSTANDARD HOUSING, OR LEAVING CHILDREN IN UNSAFE OR NON-STIMULATING

CHILD CARE ENVIRONMENTS.

credits modeled in this section, while Figure F shows the

100% FPL

200% FPL

300% FPL

Medicaid forParents(62% FPL)

SNAP(130% FPL)

Child Care VoucherProgram (175% FPL)

WIC (185% FPL)

Children's HealthInsurance

Program(208% FPL)

Self-Sufficiency Standard York County $43,775

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24 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

PROGRAM

Child care costs are reduced to a weekly participant fee per child which is dependent on

children whose household income does not

married

OTHER

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 25

Table 5

of Table 5

of Table 5, the work supports modeled are listed in the

Without any work (or other) supports to reduce costs,

Child support payments

assistance to employment, child care assistance, food

Health Care. Under the assumption that transitional

Food.

Child Care.

of these

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26 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Impact of the Addition of Child Support and Work Supports on

Self-

Standard

Child Support

Child Support

Child Support,

Child Care,

Transitional Medicaid

Child Support,

Child Care,

Child Support, Housing,

Child Care,

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous household expenses)

Taxes

Child Support

RESOURCES

Hourly

Monthly

Annual

Total Proposed

Total Federal CTC

WORK SUPPORTS CAN HELP WORKING FAMILIES ACHIEVE STABILITY WITHOUT NEEDING TO CHOOSE WHICH

OF THEIR BASIC NEEDS THEY WILL MEET, AND WHICH THEY WILL DO WITHOUT

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 27

them, work supports, tax credits, and child support play

realistically model the impact of work supports in Table 5

A more detailed explanation of how and why the taxes

HOW DO WORK SUPPORTS INCREASE WAGE

ADEQUACY?

Table 5 shows how child support and work supports

Figure G

HOURLY WAGE (FULL TIME)

PERCENTAGE OF WAGE ADEQUACY

MinimumWage $7.25

Waiters and Waitresses $8.64

Laborers and Freight,Stock, and MaterialsMovers $11.25

Customer Service Representatives $13.49 Machinists $17.61

0%

20%

40%

60%

80%

100%

120%

$7.25 $8.25 $9.25 $10.25 $11.25 $12.25 $13.25 $14.25 $15.25 $16.25 $17.25 $18.25 $19.25 $20.25

NO WORK SUPPORTS

CHILD CARE

CHILD CARE, FOOD, AND HEALTH CARE

HOUSING, CHILD CARE, FOOD, AND HEALTH CARE

WORKS SUPPORTS MODELED

Wage Adequacy

Loss of child care voucherLoss of SNAP

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28 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Table 5 (one parent

County), Figure G shows the impact of work supports on

Figure G

Figure G

Figure G), the monthly cost of child care

top in Figure G

Figure G

At the median

on

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 29

CLOSING THE WAGE GAP: RAISE INCOMES

RAISE WAGES

INCREASE SKILLS

As shown in Figure H,

20

For many workers with

For women,

22

GRADUATE ORPROFESSIONAL

DEGREE

BACHELOR'SDEGREE

SOME COLLEGEOR ASSOCIATES

DEGREE

HIGH-SCHOOLGRADUATE

OR EQUIVALENT

LESS THANHIGH-SCHOOL

GRADUATE MALE FEMALE

$0 $10 $20 $30 $40 $50 $60 $70Thousands

74%

67%

68%

67%

70%

EARNINGS GAP

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30 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

INCREASE ASSETS

A necessary

economic security, such as the down payment for a house,

SELF-EMPLOYMENT

25

26

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 33

SAVING FOR EMERGENCIES

companion report,

the median tenure in current employment in South Carolina

Table 6

For families with two adults, a preschooler, and a

HOW IS THE EMERGENCY SAVINGS FUND CALCULATED?

Unemploymentbenefit

Living expenses(Self-Sufficiency Standard)

2.72months

xAveragejob loss

EMERGENCYSAVINGS FUND

=

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34 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

FOR ALL FAMILIES, HAVING SAVINGS TO MEET UNEXPECTED EMERGENCIES IS AN IMPORTANT STEP

TOWARDS ECONOMIC SECURITY

1 Adult 1 Adult 1 Preschool

2 Adults 1 Preschool

1 School-age1 Adult 1 Adult

1 Preschool

2 Adults 1 Preschool

1 School-age

Child Care

Food

Monthly

Tax on additional earnings

Subtotal

Additional Monthly Earnings

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 35

SOUTHERN STATES

• -

POLICY ANALYSIS

HousingColorado: The Challenge for a Growing State

HOW IS THE SELF-SUFFICIENCY STANDARD USED?

COUNSELING TOOL

• Pennsylvania Online Training

EVALUATION TOOL

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36 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

TARGETED ALLOCATION OF RESOURCES

POVERTY AND ECONOMIC INEQUALITY RESEARCH

•Promoting

COMMUNITY INDICATOR

THE STANDARD IN PRACTICE

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CONCLUSION

FOR MORE INFORMATION ABOUT THE STANDARD

For more information on

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 39

ENDNOTES

option under many circumstances such as when the children

mothers it is equally clear that economic necessity, as well

Departme

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40 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

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APPENDIX A: METHODOLOGY, ASSUMPTIONS, & SOURCES

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42 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

METHODOLOGY AND DATA SOURCES FOR THE SOUTH CAROLINA STANDARD

such as health care, food, and transportation, are

Standard does not calculate costs for adults with

that the Standard does not account for, such as increased

and the assumptions included in the

EXTENDED FAMILY TYPES

adult with no children, to one adult with one infant, one

a

For households with more than two adults, it is assumed

this assumption is that the costs for these adults do not

and that there are no more than two children or two adults

third adult is a female and the fourth adult is a male, with

a family), with additional adults counted as additional

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 43

HOUSING

c All of South

family, the Standard assumes that parents and children

DATA SOURCES

CHILD CARE

d

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44 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

e

DATA SOURCES

Care and Education, South Carolina Department of Social

FOOD

f

reason, counties with a population less than 20,000

h A county index is

DATA SOURCES

TRANSPORTATION

PUBLIC TRANSPORTATION.

i

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 45

PRIVATE TRANSPORTATION.

for households with one adult and two cars are assumed

Carolina Department of Insurance, for three top market

Insurance, the rates from the top market share companies to calculate ratios that compare the cost of insurance across counties

DATA SOURCES

South Carolina Department

South Carolina Department of Insurance,

HEALTH CARE

k

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46 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

l

m

n

DATA SOURCES

MISCELLANEOUS

o

TAXES

income tax, payroll taxes, and state and local sales tax

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 47

TREATMENT OF TAX CREDITS IN CLOSING THE GAP: RAISING INCOME

the payroll tax rate, federal exemptions and deductions are

dollar earned, most families will not owe federal income

DATA SOURCES

South Carolina Department of

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48 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

TAX CREDITS

the Earned Income Credit, is a federal tax refund intended

DATA SOURCES

F

South Carolina Department of

EMERGENCY SAVINGS FUND

without question families need more resources if they

Standard now includes the calculation of the most

households, it is assumed that the second adult continues

includes the calculation of taxes and tax credits of current

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 49

p

with two adults, it is assumed that if one adult loses

Care Act, at approximately the same cost as when q In some cases, children, or the whole family,

r

DATA SOURCES

South Carolina Department of

ENDNOTES FOR APPENDIX A

families, that is, those with more than two adults or more

six or more children, or families with four or more adults

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50 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

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APPENDIX B: THE SELF-SUFFICIENCY STANDARD FOR SELECT FAMILY TYPES IN SOUTH CAROLINA

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52 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 53

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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54 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 55

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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56 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 57

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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58 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 59

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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60 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 61

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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62 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 63

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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64 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 65

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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66 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 67

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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68 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 69

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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70 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 71

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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72 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 73

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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74 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

Adult Adult Preschooler

Adult Infant

Preschooler

Adult Preschooler

Adult

Adult Infant

Preschooler

2 Adults Infant

Preschooler

2 AdultsPreschooler

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Hourly

per adult per adult

Monthly

Annual

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THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016 | 75

Waiters and Waitresses and Material Machinists

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Annual Proposed (10% of Federal)

Annual Federal CTC

titled

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76 | THE SELF-SUFFICIENCY STANDARD FOR SOUTH CAROLINA 2016

Median Wage of Select Occupations

Waiters and Waitresses and Material Machinists

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Housing

Child Care

Food

Transportation

Health Care

Miscellaneous

Taxes

Annual Proposed

Annual Federal CTC

the discussion in titled

Page 89: UNITED WAY ASSOCIATION OF SOUTH CAROLINA...UNITED WAY ASSOCIATION OF SOUTH CAROLINA United Way Association of South Carolina (UWASC) works to maximize the FDSDFLW\ DQG H MHFWLYHQHVV

ABOUT THE AUTHOR

Page 90: UNITED WAY ASSOCIATION OF SOUTH CAROLINA...UNITED WAY ASSOCIATION OF SOUTH CAROLINA United Way Association of South Carolina (UWASC) works to maximize the FDSDFLW\ DQG H MHFWLYHQHVV

Supporting Organizations

The following organizations have committed their support for .

United Way of Anderson CountyBarnwell County United Way

Black River United WayUnited Way of Chester County

United Way of DarlingtonDillon County United Way

United Way of Florence CountyUnited Way of Hartsville

United Way of Horry CountyUnited Way of Kershaw CountyUnited Way of Lancaster CountyUnited Way of Laurens County

United Way of the Lowcountry, Inc.United Way of Oconee County

United Way of Sumter, Clarendon and Lee CountiesTrident United Way

United Way of York County

United Wayof Aiken County, Inc.

United Wayof Pickens County