Definitions
What is wealth inequality?
Unequal distribution of money and assets among people or households, affected by income gaps, asset access, inheritance, and wealth-building opportunities.
What is the current homeownership gap between whites and blacks?
a.) ~5%
b.) ~20%
c.) ~30%
d.) ~40%
c.) ~30%
The home ownership rate for white households was 72.1%, while black households were recorded at 43.4%.
Which is NOT an economic instability caused by housing inequality?
a.) Homelessness
b.) Eviction
c.) Low income
d.) Exacerbating financial strain
c.) Low income is not a direct economic effect on housing inequality.
Define the term "Housing reparation programs"
A suggested strategy to reduce racial disparities in housing stability, homeownership, and property values
What is a consequence of housing inequality related strictly to displacement and gentrification?
a.) Decreased property values
b.) Increased rents and property taxes
c.) Decreased migration to historically marginalized neighborhoods
d.) Improved affordability for longtime residents
b.) Increased rents and property taxes
What is gentrification?
Renewing urban areas, often displacing poorer residents due to rising property values and wealthier newcomers, worsening housing inequality.
What is the difference in average inheritence between white and black citizens?
a.) $25,000
b.) $50,000
c.) $75,000
d.) $100,000
d.) $100,000
White citizens inherit $200,000 on average (if they inherit), while black citizens inherit $100,000 on average (if they inherit). It is important to note that 30% of white's inherit money while only 10% of blacks do.
a.) Overcrowded living conditions
b.) Underfunded schools
c.) Frequent moves
d.) All of the above
D.) All of the above
What is the purpose of housing reparation programs?
Suggested to reduce the racial wealth gap by improving homeownership and the value of homes.
What is a result of racial discrimination in homeownership?
a.) Equal homeownership rates among racial groups
b.) Decreased wealth gaps between racial groups
c.) Limited access to mortgage lending for minority homebuyers
d.) Increased housing affordability for minority communities
c.) Limited access to mortgage lending for minority homebuyers
What is homeownership gap?
Differences in who owns homes, showing unequal access to housing and chances to build wealth.
When comparing white citizens to black, what do you think the gap is regarding if they receive inheritance?a.) 5% difference (ex. 5% of blacks receive inheritance, 10% of whites receive inheritance)
b.) 10% difference
c.) 15% difference
d.) 20% difference
d.) 20% difference
30% of white inherit some wealth from their family, while only 10% of blacks inherit wealth from their family.
Explain why health disparities stem from housing inequality?
a.) Exposed to environmental hazards
b.) Housing inequality often occurs in cities
c.) Overcrowding
d.) Both A and B
d.) Both A and B
Due to being in a lower income community, these homes are often more likely to contribute to higher rather of respiratory illnesses, lead poisoning, and other health issues. They are also often overcrowded.
Read the following definition and say which government plan it is: "Would invest $100 billion in assistance for down payments and closing costs, to be made available to those who have lived in government or rental housing for 10 or more preceding years in a formerly redlined area that is low-to-moderate income today. Grantees must also earn less than a maximum annual family income."
Harris's Plan
What contributes to higher rates of homelessness among minority populations?
a.) Adequate supply of affordable housing
b.) Lack of discriminatory housing practices
c.) Abundance of economic opportunities for minorities
d.) Systemic barriers to economic opportunities
d.) Systemic barriers to economic opportunities
What is housing discrimination?
Unfair treatment based on race, ethnicity, or gender, limiting housing options and worsening inequality.
What is the wealth gap between whites and blacks in America?
a.)~$50,000
b.)~$120,000
c.)~$150,000
d.)~$170,000
d.)~170,000
The median wealth of white households is $188,200, while the median wealth of black households is $24,100.
Which of the following is NOT a reason why housing inequality leads to political marginalization?
a.) Have limited access to political representation
b.) Have limited resources to address their housing needs
c.) Have no voting booths near them
c.) It is FALSE that income inequality leads citizens to have less voting booths near them.
Read the following definition and say which government plan it is: "Proposes the Community Homestead Act, which would purchase abandoned properties in select cities and allow residents to acquire them. Eligible grantees include residents who earned less than the area median income over the last five years and either have resided in the area for at least three years, or have resided in any historically redlined or racially segregated area for at least three years."
Mayor Buttgieg's Plan
What is a characteristic of environmental racism?
a.) Equitable distribution of green spaces in all communities
b.) Limited exposure to toxins in minority communities
c.) Disproportionate exposure to environmental hazards in minority communities
d.) Improved air quality in historically marginalized neighborhoods
c.) Disproportionate exposure to environmental hazards in minority communities
What is redlining?
Labeling areas with many Black residents in red on maps to warn lenders, isolating Black communities and reducing investment compared to white areas.
How many black residents were displaced from 2000-2013 due to gentrification?
a.) 10,000 people
b.) 50,000 people
c.) 80,000
d.) 130,000
d.) 130,000 Black residents were displaced from their neighborhoods in gentrifying cities.
Explain how housing inequality leads to social segregation.
Policies like redlining often force particular communities into one neighborhood.
Read the following definition and say which government plan it is: "would offer down payment assistance to first-time homebuyers in formerly redlined areas or low-income areas that experienced other forms of legal segregation, qualifying them for a grant applicable to a home anywhere in the country. The proposal is billed as a “first step towards closing the racial wealth gap,” and would be paid for by an estate tax."
Warren's Plan
How does housing inequality impact educational disparities?
a.) Increased funding for schools in racially segregated neighborhoods
b.) Equal distribution of experienced teachers across all schools
c.) Limited access to resources and advanced coursework opportunities
d.) Decreased achievement gaps among minority students
c.) Limited access to resources and advanced coursework opportunities