Transcript

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 1 

APPENDIX A. AI Supporting Maps 

Thisappendixcontainsthemapsthatwerecreatedtoanalyzesegregationandintegration;areasofraciallyandethnicallyconcentratedareasofpoverty(RCAPs/ECAPs);affordablehousingopportunitiesincludingpubliclysupportedhousingpatterns;accesstohousingchoicesforpersonswithdisabilities;anddisparitiesincommunityassets.

Racial and Ethnic Concentration and RCAPs and ECAPs 

ForthepurposesofthisAnalysisofImpedimentstoFairHousingChoice(AI),racialandethnicconcentrationisdefinedasCensustractsinwhichthenon‐whiteorHispanicresidentproportionis20percentagepointshigherthantheproportionforthecityoverall.

Censustractsinwhichtheproportionofnon‐Hispanicwhiteresidentsexceeds90percentareidentifiedasraciallyandethnicallyexclusive.

MapsA‐1throughA‐3showtheconcentrationsof:

AfricanAmericanresidents(morethan28%AfricanAmericanresidents—20percentagepointshigherthanthecity’soverallproportionof8%);

Hispanicresidents(morethan55%Hispanic);and

Asianresidents(morethan26%Asian).

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 2 

Figure A‐1. Concentrations of African American Residents by Census Tract, Austin, 2012 

Source: 

2008‐2012 American Community Survey (ACS) and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 3 

Figure A‐2. Concentrations of Hispanic Residents by Census Tract, Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 4 

Figure A‐3. Concentrations of Asian Residents by Census Tract, Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 5 

FigureA‐4showsCensustractsinAustinthatare“majorityminority”—thatis,wheremorethan50percentofresidentsarenon‐whiteand/orHispanic.Similartotheraceandethnicityspecificconcentrations(showninA‐1throughA‐3),theseCensustractsarealmostentirelyinEastAustin.

Figure A‐4. Census Tracts with Greater than 50 PercentMinority Concentration, Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 6 

FigureA‐5showsareasinAustinwheretheproportionofnon‐Hispanicwhiteresidentsexceeds90percent;theseareconsideredraciallyandethnicallyexclusiveareasforthepurposeofthisAI.Theseareashave40percentagepointsmorethanthecitywideproportionofnon‐Hispanicwhiteresidents.

Figure A‐5. Census Tracts with Greater than 90 Percent Non‐Hispanic White Concentration, Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 7 

RCAPsorECAPsareCensustractswithracialandethnicconcentrationsandhighpovertyrates.RCAPsandECAPsaredefinedbyHUDasCensustractsthathavefamilypovertyratesexceeding40percentorthreetimestheregionalpovertyrateandaremajorityminority(i.e.,minoritiesaccountfor50%ormoreofthetotalpopulation).

FigureA‐6showstheRCAPsandECAPsinAustinasof2012.FigureA‐7showstheRCAPsandECAPsin2000.

FourteenRCAPsandECAPswereidentifiedusingthedatainthe2008‐2012ACS;thesemakeup4percentofthe332CensustractsthatarewhollyorpartiallycontainedwithinAustin.

In2000,accordingtothedecennialCensus,therewereonlythreeRCAPs/ECAPS,makingup1percentofthe242Censustractsinthecityatthattime.

Figure A‐6. Racially and Ethnically Concentrated Areas of Poverty (RCAPs/ECAPs) by Census Tract Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 8 

Figure A‐7. Racially and Ethnically Concentrated Areas of Poverty (RCAPs/ECAPs) by Census Tract Austin, 2000 

Source: 

2000 Census and BBC Research & Consulting. 

Thefollowingdotdensitymapssupplementtheconcentrationmaps.ThesemapsareconsistentwiththerequirementsofHUD’snewAssessmentofFairHousing(AFH)template.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 9 

Figure A‐8. African American Residents by Dot Density,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 10 

Figure A‐9. Hispanic Residents by Dot Density,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 11 

Figure A‐10. All Minorities by Dot Density,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 12 

ThefollowingfourmapsshowchangesintheresidencesofAfricanAmericanandHispanicresidentsbetween2000and2010.Asdemonstratedbythemaps,duringthepastdecade,AfricanAmericansmigratedawayfromEastAustinintothenorthernsuburbsandAfricanAmericanconcentrationsintheeasternpartofAustinbecamelesspronounced.

ThesuburbanareasaroundAustinalsogainedHispanicresidents—bothnorthernandsouthernareas—yetHispanicresidentconcentrationinthecentralandsoutheasternpartoftheCityofAustinremained.

Figure A‐11. Where African American Residents Lived,  Austin and Region, 2000 

Source: 

2000 Census and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 13 

Figure A‐12. Where African American Residents Lived,  Austin and Region, 2010 

Source: 

2010 Census and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 14 

Figure A‐13. Where Hispanic Residents Lived,  Austin and Region, 2000 

Source: 

2000 Census and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 15 

Figure A‐14. Where Hispanic Residents Lived,  Austin and Region, 2010 

Source: 

2010 Census and BBC Research & Consulting. 

 

 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 16 

National Origin and Limited English Proficiency 

FigureA‐15showsconcentrationsofthecity’sforeignbornresidents,usingthe“foreignborn”designationfromCensussurveys.ThemajorityofCensustractswithforeignbornconcentrationsarelocatedinEastAustin.Manyofthesearealsomajorityminorityareas.

Figure A‐15. Census Tracts with Foreign Born  Concentrations,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 17 

FigureA‐16usesdotdensitiestodisplaywhereforeign‐bornresidentslive.

Figure A‐16. Foreign Born  Residents by Dot Density,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 18 

FiguresA‐17andA‐18showwhereresidentswhoarelinguisticallyisolatedareconcentrated(firstmap)andreside(secondmap).ThesearealsoareasofHispanicconcentrations.

Figure A‐17. Census Tracts with Linguistically Isolated  Concentrations,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 19 

Figure A‐18. Linguistically Isolated Residents by Dot Density,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

 

 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 20 

Persons with Disabilities 

About10percentofAustinresidentsreporthavingoneormoredisabilities.Aconcentrationanalysisofpersonswithdisabilities,foundonlyoneCensustractwithaconcentration(morethan30%ofresidentswithadisability),asshownbelow.

Figure A‐19. Census Tracts with Persons with a Disability  Concentrations,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 21 

Residentsareverylikelytobecomedisabledastheyage:indeed,37percentofAustin’sseniorshaveoneormoredisability.Therearemanymoreconcentrationsofseniorswithdisabilitiesthanpersonswithdisabilitiesoverall,asshownbelow.

Figure A‐20. Census Tracts with Persons with a Disability over 65 Years Old  Concentrations,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

Acriticalcomponenttohousingchoiceforpersonswithdisabilitiesisavailabilityoftransitthatfacilitatesthroughoutacommunity.Asthefollowingparatransitmapsuggests,areaswithseniordisabilityconcentrationsareservedbyparatransit.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 22 

Figure A‐21. Areas Served by Paratransit Services and Capital Metro Transit Stops,  Austin, 2012 

Source: 

City of Austin and BBC Research & Consulting. 

 

 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 23 

Persons living in Poverty 

Abodyofpovertyresearchhasfoundthata40percentpovertyrateisthepointatwhichaneighborhoodbecomessignificantlysociallyandeconomicallychallenged.Conversely,researchhasshownthatareaswithupto14percentofpovertyhavenonoticeableeffectoncommunityopportunity.1

FigureA‐22showsareaswithinAustinthathave1)povertyratesof15percentandless(wherepovertyisthoughttohave“nonoticeableeffect”onaneighborhood),2)povertyratesbetween15and39percent,and3)povertyratesof40percentandhigher(“sociallyandeconomicallychallenged”).Asthefiguredemonstrates,verylowpovertyareasarealmostexclusivelyonthewestsideofAustin;highpovertyareas,inEastAustin;andmoderatepovertyareasinthecentralpartsofthecity(partiallyduetothepresenceofstudents).

1TheCostsofConcentratedPoverty:NeighborhoodPropertyMarketsandtheDynamicsofDecline.”InNicolasP.RetsinasandEricS.Belsky,eds.,RevisitingRentalHousing:Policies,Programs,andPriorities.Washington,DC:BrookingsInstitution,116–9.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 24 

Figure A‐22. Poverty Rates by Census Tract,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

FigureA‐23showsthehighpovertyCensustractsonly(40%povertyandgreater).Some,butnotall,ofthehighpovertyareasarealsoareasofAfricanAmericanandHispanicconcentrations.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 25 

Figure A‐23. Extremely High Poverty Census Tracts, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

 

 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 26 

Publicly Subsidized Housing 

Thissectionoftheappendixcontainsmapsthatoverlayaffordablehousing—primarilypubliclyassistedhousing,consistentwiththeAFH,withconcentrationsbyraceandethnicity,disability,povertyandRCAPs/ECAPs.

FiguresA‐24throughA‐28showthelocationofsubsidizedrentalunitsrelativetoconcentrations.Anestimated18,500affordablerentalunitsexistinAustin,accordingtotheCity’s2013affordablehousinginventorydatabase.Theseincludehousingauthorityunits,developmentsbuiltwithrentaltaxcredits,developmentsfundedbyGeneralObligation(GO)bonds,SMARTHousingdevelopmentsandothers.

MostZIPcodescontainabout3percentofthecity’ssubsidizedrentalunits.FourZIPcodeshavebetween9and10percentofthecity’ssubsidizedunitsandone—ZIPcode78741—contains18percentofthesubsidizedrentals.ZIPcode78741islocatedinSoutheastAustin,withEastRiversideAvenuecuttingthroughthemiddle.AbouthalfoftheareawithinthisZIPcodeisHispanic‐concentratedandveryhighpoverty.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 27 

Figure A‐24. Subsidized Rentals and Census Tracts with African American Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 28 

Figure A‐25. Subsidized Rentals and Census Tracts with Hispanic Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 29 

Figure A‐26. Subsidized Rentals and Extremely High Poverty Census Tracts,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 30 

Figure A‐27. Subsidized Rentals and Census Tracts with Persons with a Disability Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 31 

Figure A‐28. Subsidized Rentals and Racially and Ethnically Concentrated Areas of Poverty,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 32 

Thefollowinghousingmapsshowoverlaysofhousingchoicevoucherholdersandconcentrations.VoucherholdersareclusteredinbothAfricanAmerican‐andHispanic‐concentratedareas.Althoughvouchersclustersomewhatinareasofhighpoverty,thisislessprominentthaninminority‐concentratedareas.FewvoucherholderslivewestofI‐183.

Figure A‐29. Housing Choice Vouchers and Census Tracts with African American Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 33 

Figure A‐30. Housing Choice Vouchers and Census Tracts with Hispanic Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 34 

Figure A‐31. Housing Choice Vouchers and Extremely High Poverty Census Tracts, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 35 

Figure A‐32. Housing Choice Vouchers and Census Tracts with Persons with a Disability Concentration, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 36 

Figure A‐33. Housing Choice Vouchers and Racially and Ethnically Concentrated Areas of Poverty, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 37 

ThefinalsetofhousingmapsshowthelocationofLowIncomeHousingTaxCredit(LIHTC)propertiesinrelationtoareasofconcentration.ThemapsshowclustersofLIHTCpropertiesinAfricanAmerican,Hispanicandpovertyconcentratedareas.

Figure A‐34. Low Income Housing Tax Credit (LIHTC) Locations and Census Tracts with African American Concentration, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 38 

Figure A‐35. Low Income Housing Tax Credit (LIHTC) Locations and Census Tracts with Hispanic Concentration, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 39 

Figure A‐36. Low Income Housing Tax Credit (LIHTC) Locations and Extremely High Poverty Census Tracts, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

Access to Opportunity 

ThissectionsupplementstheAccesstoOpportunityworkcompletedaspartofthe2013regionalstudy“TheGeographyofOpportunityinAustinandHowitisChanging.”ThemapsinthissectionexaminetherelationshipofprotectedclassandRCAP/ECAPconcentrationsusingvariablesthatwerenotincludedintheregionalstudy.Theseinclude:

Housingconditionandquality,asmeasuredbycodecompliancedata;

Incidenceofcrime(asanindependentvariable;theregionalstudyincorporatescrimeintoitsoverallopportunityindex);

Residentialforeclosures;and

Capitaldisinvestment(asmeasuredthroughhomemortgagedataanalysis).

ThefirstfourmapsoverlayareaswithrepeatcodeoffendersanddangerouslysubstandardpropertieswithareasofAfricanAmericanandHispanicconcentrations,areasofhighpoverty

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 40 

andRCAPs/ECAPs.Asthemapsshows,mostoftheunitsinsubstandardcondition(asmeasuredbycodecompliancedata)arelocatedinthecentralportionsofAustin,andnotnecessarilyinconcentratedareas.

Figure A‐37. Repeat Code Offenders, Dangerous and/or Substandard Properties, and Census Tracts with African American Concentration, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 41 

Figure A‐38. Repeat Code Offenders, Dangerous and/or Substandard Properties, and Census Tracts with Hispanic Concentration, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 42 

Figure A‐39. Repeat Code Offenders, Dangerous and/or Substandard Properties, and Extremely High Poverty Census Tracts, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 43 

Figure A‐40. Repeat Code Offenders, Dangerous and/or Substandard Properties, and Racially and Ethnically Concentrated Areas of Poverty, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

Thesecondsetofmapsshowtherelationshipbetweenareaswithveryhighcrimeandconcentrations.2Theoverlaysshowalimitednumberofareasthatareminorityorpovertyconcentratedandhaveveryhighcrimerates.

2ThecrimeindexisfromcommercialdataproviderESRIandincludesinformationaboutmurder,rape,robbery,assault,burglaryandmotorvehicletheft.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 44 

Figure A‐41. Areas with Very High Crime Rates and Census Tracts with African American Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, ESRI Crime Index and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 45 

Figure A‐42. Areas with Very High Crime Rates and Census Tracts with Hispanic Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, ESRI Crime Index and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 46 

Figure A‐43. Areas with Very High Crime Rates and Extremely High Poverty Census Tracts,  Austin, 2012 

Source: 

2008‐2012 ACS, ESRI Crime Index and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 47 

Figure A‐44. Areas with Very High Crime Rates and Racially and Ethnically Concentrated Areas of Poverty,  Austin, 2012 

Source: 

2008‐2012 ACS, ESRI Crime Index and BBC Research & Consulting. 

TheLocalInitiativeSupportCorporation(LISC)’sForeclosureResponseprojectprovidesdataonforeclosurerisktohelpcommunitiesbettertargetresourcesforforeclosureresolutionandprevention.TheLISCforeclosureindexincorporatesmeasuresofsubprimelending,foreclosures,delinquencyandvacancies.

ThefollowingmapsshowZIPcodeswithhighforeclosurerisk,accordingtotheLISCindex,andconcentrationsbyCensustract.TheseZIPcodeshavemorethanthreetimestheaverageriskintheregion,asofSeptember2013.

ManyoftheforeclosureriskareasalsoincludeCensustractswithHispanicconcentrations—butnotareasofhighpoverty.Someofthesearealsoareaswhereloanapplicationdenialswerehigh,asdiscussedinthefollowingsection.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 48 

Figure A‐45. Areas with High Foreclosure Risk and Census Tracts with African American Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, Local Initiative Support Corporation and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 49 

Figure A‐46. Areas with High Foreclosure Risk and Census Tracts with Hispanic Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, Local Initiative Support Corporation and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 50 

Figure A‐47. Areas with High Foreclosure Risk and Extremely High Poverty Census Tracts,  Austin, 2012 

Source: 

2008‐2012 ACS, Local Initiative Support Corporation and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 51 

Figure A‐48. Areas with High Foreclosure Risk and Racially and Ethnically Concentrated Areas of Poverty,  Austin, 2012 

Source: 

2008‐2012 ACS, Local Initiative Support Corporation and BBC Research & Consulting. 

ThefinalsetofsupplementalmapsoverlayhighloandenialCensustractswithconcentrations.Neighborhoodswithhighratesofresidentialloansdenialscanbeatriskofdisinvestmentandpropertydecline,relatedtoalackofprivatecapitalforhomepurchasesandimprovements.

Thehighdenialareasshowninthemapbelowhavetwicethedenialrate(32%)ofthecityoverall(16%).Ofthese17areas,allbutfouralsohaveHispanicconcentrations.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 52 

Figure A‐49. Areas with High Loan Denials and Census Tracts with African American Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, Home Mortgage Disclosure Act data and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 53 

Figure A‐50. Areas with High Loan Denials and Census Tracts with Hispanic Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, Home Mortgage Disclosure Act data and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 54 

Figure A‐51. Areas with High Loan Denials and Extremely High Poverty Census Tracts,  Austin, 2012 

Source: 

2008‐2012 ACS, Home Mortgage Disclosure Act data and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 55 

Figure A‐52. Areas with High Loan Denials and Racially and Ethnically Concentrated Areas of Poverty,  Austin, 2012 

Source: 

2008‐2012 ACS, Home Mortgage Disclosure Act data and BBC Research & Consulting. 

Thelastmapinthissectionshowsthelocationofpaydaylenders.Theselendersarelargelylocatedinthecentralpartsofthecitywhicharealsomoderate‐povertyareas.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 56 

Figure A‐53. Payday Lenders and Racially and Ethnically Concentrated Areas of Poverty,  Austin, 2012 

Source: 

2008‐2012 ACS, Yelp.com and BBC Research & Consulting. 


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