Despite 50 years of federal oversight under the Fair Housing Act of 1968, housing segregation continues in the largest cities and urban areas of the United States. A recent ABC News analysis of mortgage data highlights a pattern of racial isolation that remains in place even after decades of failed initiatives.
ABC News’ list of top 20 “extreme” segregations includes the largest metropolitan areas in America, such as: Cleveland, Ohio; Buffalo, New York, Detroit, Michigan; St. Louis, Missouri; Memphis, TN; Birmingham, Alabama; Jackson, Mississippi; Springfield, Massachusetts; New Orleans, Louisiana; Miami, Florida; Bridgeport, Connecticut; Baltimore, Maryland; Cincinnati, Ohio; Baton Rouge, Louisiana; and Providence, Rhode Island.
Although these cities represent the majority, unfair housing practices are pervasive across the states.
The practice of expatriating black and brown people from their neighborhoods only benefits those outside the community. In 2019, nearly two-thirds of the 347,000 white homebuyers (64.8%) who applied for mortgages in predominantly nonwhite neighborhoods in the largest metropolitan areas of the United States received loan approval. Meanwhile, about 56% of the 715,000 nonwhite applicants got a loan in 2019 in those same majority nonwhite neighborhoods.
Housing all in black
Black mortgage rates are much lower and always have been.
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Even programs designed to help all of America have disproportionately left out those most in need. the IG invoice was created to secure low-interest mortgages and other loans for World War II veterans. And he did – for white people. Although these veterans were able to accumulate wealth in the post-war years, it was not possible to achieve the same result for blacks.
Before that, The New Deal nor have the politicians challenged the existing racist status quo. White-run financial institutions had the power to deny mortgages and loans to equally qualified blacks.
It’s called “systemic racism”.
Congressional South Dixiecrats once fought for local and state control that nearly ensured racially unequal housing outcomes. According to Bloomberg“they succeeded in excluding occupations dominated by African Americans, including domestic and agricultural workers, from employment, unemployment, and Social Security benefits.”
The Great Depression also hit black people harder than any other group. We were more likely to be fired, evicted, businesses went out of business, and our homes were foreclosed.
In many cities, gentrification not only affects housing, but also the very common spaces we associate with our home.
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Gentrification is forcing more nonwhite residents out of urban neighborhoods, along with the black-owned businesses, churches, and cultural touchpoints we’ve known and loved for years.
US Senator Sherrod Brown (D-Ohio), Chairman of the Senate Banking, Housing and Urban Affairs Committee knows this problem well. Yet knowing is only half the battle.
“We have never, as a nation, gone ‘all in’ on fair housing,” Brown told ABC News. “We have never, as a nation, tried to close this gap…this gap between black and white ownership.”
This gap continues to uproot some and plant others in towns and neighborhoods that only resemble the culture many once knew.