demographics of senior and veteran housing in rural america - housing assistance council

A DEMOGRAPHIC SNAPSHOT OF RURAL SENIORS AND THEIR HOMES

Housing Assistance Council

AGING IN RURAL

AMERICA

0

10,000,000

20,000,000

30,000,000

40,000,000

50,000,000

60,000,000

70,000,000

80,000,000

90,000,000

100,000,000

1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 2000 2010 2020 2030 2040 2050

Popu

latio

n Ag

e 65

and

Over

Housing Seniors and Veterans in Rural America: Preservation, Development and Services ConferenceAugust 2013 Council Bluffs, Iowa

RURALSEN

IORS

ANDTHEIR

HOMES

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 2000 2010 2020 2030 2040 2050

Percen

t Age 65 an

d Over

U.S. Senior Population 1900 – 2050*

THE WAVE IS COMING

U.S. Census Bureau, U.S. Department of Commerce. Projections of the Population by Age and Sex for the United States: 2010 to 2050.

*population projection

RURALSEN

IORS

ANDTHEIR

HOMES

0

10,000,000

20,000,000

30,000,000

40,000,000

50,000,000

60,000,000

70,000,000

80,000,000

90,000,000

100,000,000

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 2000 2010 2020 2030 2040 2050

Percen

t Age 65 an

d Over

U.S. Senior Population 1900 – 2050*

THE WAVE IS COMING

U.S. Census Bureau, U.S. Department of Commerce. Projections of the Population by Age and Sex for the United States: 2010 to 2050.

*population projection

4

Rural & Small Town Tracts RURALSEN

IORS

ANDTHEIR

HOMES

THE DEMOGRAPHICS OF AGING IN RURAL AMERICA

37

40

35.5

36

36.5

37

37.5

38

38.5

39

39.5

40

40.5

U.S. Rural & Small Town

Med

ian Ag

e

Median Age by Location, 2010

6

RURALSEN

IORS

ANDTHEIR

HOMES

RURAL AMERICA IS OLDER THAN THE NATION AS A WHOLE

HAC Tabulations of U.S. Census Bureau 2010 Census of Population and Housing.

7

RURALSEN

IORS

ANDTHEIR

HOMES

13.0%

15.7%

12.9%

11.5%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

18.0%

U.S. Rural & Small Town Suburban & Exurban Urban

Percen

t of the

Pop

ulation

Population Age 65 or Over, 2010

8

RURALSEN

IORS

ANDTHEIR

HOMES


SENIORS ARE ALSO MORE PREVELANT IN RURAL AREAS

9

Rural and Small Town,

21.0%

Suburban and Exurban,

48.0%

Urban, 30.9%

Total Population by Residence, 2010

Rural and Small Town,

25.1%

Suburban and Exurban,

47.4%

Urban, 27.4%

Senior Population by Residence, 2010

RURALSEN

IORS

ANDTHEIR

HOMES

OVER ONE‐QUARTER OF SENIORS LIVE IN RURAL AMERICA

10

RURALSEN

IORS

ANDTHEIR

HOMES

11

RURALSEN

IORS

ANDTHEIR

HOMES

12

RURALSEN

IORS

ANDTHEIR

HOMES

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%


Age of Senior Population, 2010

age 85 and over

age 75‐84

age 65‐74

age 60‐64 (near senior)

13

RURALSEN

IORS

ANDTHEIR

HOMES

SENIORS ARE NOT A MONOLITHIC GROUP


RURALSEN

IORS

ANDTHEIR

HOUSIN

G

0

10,000,000

20,000,000

30,000,000

40,000,000

50,000,000

60,000,000

70,000,000

80,000,000

90,000,000

100,000,000

1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 2000 2010 2020 2030 2040 2050

Popu

latio

n

Senior Population by Age Group, 1900 – 2050*

64 to 74 75 to 84 85 plus

AND LIFE EXPECTANCIES WILL CONTINUE TO INCREASE

U.S. Census Bureau, U.S. Department of Commerce. Projections of the Population by Age and Sex for the United States: 2010 to 2050.*population projection

15

RURALSEN

IORS

ANDTHEIR

HOMES

5 4 3 2 1 0 1 2 3 4 5

Under 5

5 to 9

10 to 14

15 to 19

20 to 24

25 to 29

30 to 34

35 to 39

40 to 44

45 to 49

50 to 54

55 to 59

60 to 64

65 to 69

70 to 74

75 to 79

80 to 84

85 Plus

Percent

Age Ca

tegory

Rural & Small Town Population by Age and Gender, 2010

Percent Female Percent Male

16

RURALSEN

IORS

ANDTHEIR

HOMES

5 4 3 2 1 0 1 2 3 4 5

Under 5

5 to 9

10 to 14

15 to 19

20 to 24

25 to 29

30 to 34

35 to 39

40 to 44

45 to 49

50 to 54

55 to 59

60 to 64

65 to 69

70 to 74

75 to 79

80 to 84

85 Plus

Percent

Age Ca

tegory




17

RURALSEN

IORS

ANDTHEIR

HOMES

5 4 3 2 1 0 1 2 3 4 5

Under 5

5 to 9

10 to 14

15 to 19

20 to 24

25 to 29

30 to 34

35 to 39

40 to 44

45 to 49

50 to 54

55 to 59

60 to 64

65 to 69

70 to 74

75 to 79

80 to 84

85 Plus

Percent

Age Ca

tegory




18

RURALSEN

IORS

ANDTHEIR

HOMES

5 4 3 2 1 0 1 2 3 4 5

Under 5

5 to 9

10 to 14

15 to 19

20 to 24

25 to 29

30 to 34

35 to 39

40 to 44

45 to 49

50 to 54

55 to 59

60 to 64

65 to 69

70 to 74

75 to 79

80 to 84

85 Plus

Percent

Age Ca

tegory




19

RURALSEN

IORS

ANDTHEIR

HOMES

Produced by the Housing Assistance CouncilWashington, DC Source: HAC Tabulations of Census Bureau Data

Population Loss 1980-2010

LegendPopulation Loss

1980-2010

states

United States, Population Age 65 and Over

White not Hispanic, 80.7%

Minority, 19.3%

Race & Ethnicity, 2010

Rural & Small Town, Population Age 65 and Over

White not Hispanic, 89.0%

Minority, 11.0%

Race & Ethnicity, 2010

RACE&

ETH

NICITY

20

RURALSEN

IORS

ANDTHEIR

HOMES

RURAL SENIORS ARE NOT AS RACIALLY DIVERSE AS THEIR URBAN & SUBURBAN COUNTERPARTS

21

RURALSEN

IORS

ANDTHEIR

HOMES

Produced by the Housing Assistance CouncilWashington, DC Source: HAC Tabulations of 2005-2009 AmeicanCommunity Survey

Minority Population Age 65 and Over, 2010

LegendElderly African American >33.3%

Elderly Asian > 33.3%

Elderly Hispanic > 33.3%

Elderly Native American > 33.3%

states

Senior Veterans in Census Defined Rural Areas

*HAC Tabulation of ACS 2007‐11 Five‐Year Estimates

24.0%

28.7%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0%

Percent Total Population Percent Veteran PopulationCensus Defined Rural Populatoin

Disproportionate Share of Veterans Live in Census Defined Rural Areas*

6.2%

25.7%

27.8%

40.4%

Many Census Defined Rural Veterans are Seniors*

Ages 18 to 34

Ages 35 to 54

Ages 55 to 64

Ages 65 Plus

Senior Veterans and Baby Boomers

7,650,468 8,031,169

2,572,136 1,769,801

0

2,000,000

4,000,000

6,000,000

8,000,000

10,000,000

12,000,000

Seniors (Age 65 and Older) Near Seniors (Ages 55 to 64)

Census Defined

Rural Pop

ulation*

Census Defined Rural Population Totals

Veterans and Disabilities

16.3%

27.3%

36.8%

39.6%

0% 5% 10% 15% 20% 25% 30% 35% 40% 45%

Total Population

Veterans

Seniors

Senior Veterans

Census Defined Rural Populations Living With A Disability*

*HAC Tabulation of ACS 2009‐11 Three‐Year Estimate

SELECTED ECONOMIC CHARACTERISTICS

Photo courtesy of FAHE

$51,914

$36,064

$28,297

$0

$10,000

$20,000

$30,000

$40,000

$50,000

$60,000

U.S. U.S. Seniors Rural & Small Town Seniors

Med

ian Income

Median Income by Senior Status and Residence, 2009

26

RURALSEN

IORS

ANDTHEIR

HOMES

MANY SENIORS HAVE VERY LOW INCOMES

HAC Tabulations of U.S. Census Bureau 2006‐2010 American Community Survey.

27

0

5

10

15

20

25

30

35

1966

1967

1968

1969

1970

1971

1972

1973

1974

1975

1976

1977

1978

1979

1980

1981

1982

1983

1984

1985

1986

1987

1988

1989

1990

1991

1992

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

Percen

t in Po

verty

Poverty By Age, 1966‐2010

Poverty Rate, All Ages Poverty Rate, Age 65 and Over

RURALSEN

IORS

ANDTHEIR

HOMES

SIGNIFICANT GAINS HAVE BEEN MADE TO REDUCE POVERTY AMONG SENIORS


9.8%

11.4%

7.2%

8.2%

11.8%

14.0%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%


Percen

t in Po

verty

Senior Poverty By Residence & Gender, 2010

All Elderly Elderly Male Elderly Female

28

RURALSEN

IORS

ANDTHEIR

HOMES

POVERTY RATES ARE STILL HIGHER AMONG RURAL SENIORS


29

RURALSEN

IORS

ANDTHEIR

HOMESLegend

CountiesPercent Senior Poverty

0.0 - 8.5

8.6 - 12.9

13.0 - 18.6

18.7 - 27.5

27.6 - 61.0

Poverty, Persons Age 65 and Over, 2010

SELECTED HOUSING AND HOUSEHOLD CHARACTERISTICS

Photo by Ann Olson

31

Owner Occupied Housing

Renter Occupied Single Family Housing

Renter Occupied Multifamily Housing

Housing With

Services

Assisted Living

Long Term Care Facility

SENIOR HOUSING CONTINUUM

RURALSEN

IORS

ANDTHEIR

HOMES

Less Dependent More Dependent

A HEALTHY RANGE OF HOUSING OPTIONS IS VITAL FOR SENIORS’ WELL BEING

32

Owner Occupied Housing

Long Term Care Facility

SENIOR HOUSING CONTINUUM

RURALSEN

IORS

ANDTHEIR

HOMES

Less Dependent More Dependent

SENIOR HOUSING OPTIONS ARE LIMITED IN MANY RURAL COMMUNITIES

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%


Percen

t Elderly Occup

ied Hom

es

Occupied Housing Units – Householder Age 65 or Older, 2010

Senior‐Occupied Homeowners Senior‐Occupied Renters

33

RURALSEN

IORS

ANDTHEIR

HOMES


HO

USI

NG

TENU

RE

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

U.S. U.S. Senior Rural & Small Town Senior

Elde

rly Occup

ied Hou

sing

Units

Housing Tenure, Householder Age 65 or Older, 2009

Renter Occupied

Owner‐Occupied

34

RURALSEN

IORS

ANDTHEIR

HOMES

MOST RURAL SENIORS OWN THEIR HOMES


HO

USI

NG

TENU

RE

35

RURALSEN

IORS

ANDTHEIR

HOMES

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

15 to 34 35 to 44 45 to 54 55 to 59 60 to 64 65 to 74 75 +

Hom

eowne

rship Ra

te

Age Group

Rural & Small Town Homeownership by Age and Mortgage Status, 2010

With a Mortgage Without a Mortgage

AS RURAL HOMEOWNERS AGE THEY HAVE LESS MORTGAGE DEBT


36

RURALSEN

IORS

ANDTHEIR

HOMES

Manufactured Homes, 2010

Legend

CountiesPercent Manufactured Home

0.0 - 6.0

6.1 - 12.7

12.8 - 20.2

20.3 - 29.6

29.7 - 56.1

Manufactured Homes as a Percent of All Occupied Housing Units

37

RURALSEN

IORS

ANDTHEIR

HOMES

Two or More Persons, 73.4%

One Person, 26.6%

Household Size, Rural & Small Town, 2009

Two or More Persons, 55.4%

One Person, 44.6%

Household Size, Rural & Small Town, Householder Age 65 or Over, 2009

38

RURALSEN

IORS

ANDTHEIR

HOMES

MANY RURAL SENIORS LIVE ALONE


HOU

SING

AFF

ORD

ABILITYFO

ROLD

ERHO

MEO

WNE

RS

28.3%

60.0%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

Owners Renters

Percen

t Cost B

urde

ned

Housing Cost Burden, Householders Age 65 and Over by Tenure, 2010

39

RURALSEN

IORS

ANDTHEIR

HOMES

HOUSING AFFORDABILITY IS AN INCREASNG PROBLEM FOR MANY RURAL SENIORS


Veteran Homelessness

• While overall numbers have decreased since 2009, still over 60,000 veterans were homeless in recent 2012 Count*

• Approximately 27,000 of these homeless veterans lived outside of a shelter*

• Veterans make up 13 percent of homeless population but just 7 percent of total population*

*The 2012 Point‐in‐Time Estimates of Homelessness Assessment Report Volume 1. HUD. Found at following url: https://www.onecpd.info/resources/documents/2012AHAR_PITestimates.pdf

VE

HIC

LEAV

AILABILITY

8.9%

12.5%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

All Households Senior Households

Percen

t of H

ouseho

lds With

No Ve

hicle

Households

No Vehicle Available, 2010

No Vehicle Available

41

RURALSEN

IORS

ANDTHEIR

HOMES

TRANSPORATION IS A CHALLENGE IN MANY RURAL COMMUNITIES


HAC

RURALSEN

IORS

ANDTHEIR

HOMES

RURALSEN

IORS

ANDTHEIIR

HOUSIN

G

www.ruralhome.org

HAC

demographics of senior and veteran housing in rural america - housing assistance council

Economy & Finance