Over 1/3 of Households are Now Age 55+ in Every State January 4, 2016 Special Study for Housing Economics Paul Emrath, Ph.D.

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1 Over 1/3 of Households are Now Age 55+ in Every State January 4, 2016 Special Study for Housing Economics Paul Emrath, Ph.D. Households age 55 or older form an important part of the housing market. They define a distinct class of housing, as 55 is the youngest age cutoff mentioned in any of the criteria under which it s possible legally to build age-restricted housing for older persons. This article looks at how many households headed by someone age 55+ there are in the U.S., and where they re located. The article is based on new American Community Survey data released by the U.S. Census Bureau at the end of The data show that, in the U.S. as a whole, about 42 percent of all households are headed by someone age 55+. Other highlights include: In every state, the 55+ category accounts for over 34 percent of all households. In every county, 55+ category accounts for over 20 percent of all households. In 99 percent of the counties, 55+ accounts for over 30 percent. At the high end, 112 counties have a 55+ household share of over 60 percent. In the U.S. there are 13 top 55+ counties, where 55+ not only accounts for over 60 percent of all households, but where there are more than 20, households in total. Ten of these are in Florida, two in Arizona, and one in Massachusetts. Background The American Community Survey (ACS) has taken the place of the decennial Census long form questionnaire that, up until 2000, collected basic data on housing, income and other characteristics of the U.S. population. The ACS was first fully implemented in 2005 and therefore just passed its 10th birthday. Strengths of the ACS include its large budget (over $200 million a year) with a carefully designed and correspondingly large sample size (over 1

2 3.5 million homes a year) that covers the entire country in a consistent way and allows for tabulations at a detailed level of geography. The main advantage of the ACS over the decennial Census is that new data become available once a year instead of once a decade. The trade-off is that the ACS needs to accumulate data over a 5-year period in order to produce a sample roughly equivalent to that of the decennial Census. If you want to look at smaller geographic areas, like all counties in the country, you need to use these 5-year Estimates. Because this article includes statistics for all counties in the country, it uses the 5-year ACS estimates from data collected over the period that were released by the Census Bureau on December 3. The article looks at 5-year ACS estimates of households by age, with an emphasis on households headed by someone age 55 or older. As mentioned in the introduction, 55 is a natural cut-off for studying housing markets due to the federal law that governs agerestricted housing. Amendments to the 1968 Fair Housing Act passed in 1988 and 1995 now allow housing to be age restricted under one of three conditions. The condition that s easiest to use in a typical single-family community is that it demonstrates the intent to house people age 55 or older, and has at least one person age 55+ in 80 percent of its occupied units, and complies with HUD guidelines for verifying the age of its occupants. 1 Even if not explicitly age-restricted, a community may include amenities that the developer suspects will appeal to 55+ buyers, but it is not legal to target or market the homes exclusively to households without children unless the community is age-restricted in accord with the amended Fair Housing Act. 55+ Households by State Overall, the ACS estimates show a little over 48 million households headed by someone age 55+ in the U.S., accounting for roughly 42 percent of all U.S. households. Although the percentage is different in different states, the variation is relatively modest. Of the 51 states (including the District of Columbia), 35 are clustered in in a very narrow band with a 55+ share of all households between 40 and 45 percent, and no state has a 55+ share under 30 percent or over 50 percent (Figure 1). 2

3 At the top end of the scale, the 55+ share of all households is over 45 percent in seven states: West Virginia (48.3), Florida (47.7), Maine (47.1), Hawaii (46.2), Vermont (46.1), Montana (46.0) and Pennsylvania (45.7). This list includes a couple of large states, like Florida and Pennsylvania, each of which has population well over 10 million, as well as couple that are relatively fast growing. According to the Census Bureau s Population Estimates, 2 Florida has been the sixth fastest growing state in the country (with a population that increased by 5.8 percent from 2010 to 2014), and Hawaii is twelfth fastest (population increase of 4.4 percent). At the other end of the scale, only in Utah and the District of Columbia are the 55+ household shares under 35 percent and only slightly under. Households headed by someone age 55 or older account 34.3 percent of all households in the District, and 34.8 percent of all households in Utah. Table 1, available at the end of the article, shows the number of 55+ households in each state, along with the 55+ category as a share of all 3

4 households. As a group, 55+ households have a tendency to be owners rather than renters. The ACS data in Table 1 can be used to show that over 70 percent of 55+ households own their own homes in every state (excluding the District of Columbia). 55+ Households by County The 5-year ACS release contains estimates of households by age for every county in the country. Compared to states, counties are considerably smaller and more variable. Even so, in every one of the 3,142 counties (including county equivalents like the parishes in Louisiana, independent cities in Virginia and Census designated Areas in Alaska) in the U.S., 55+ accounts for over 20 percent of all households. In fact, for 3,114 of the 3,142 (more than 99 percent of them), 55+ accounts for more than 30 percent of all households. Even the youngest state of Utah has a county (Daggett) where nearly three-fourths of the households are

5 Among the 3,142 county and county equivalents, the oldest on a percentage basis is Sumter County in Florida, where 84.8 percent of the households are 55+. Sumter is a relatively large county (with over 45,000 households) that contains most of The Villages, which is essentially an entire city of age-restricted housing. Some of the counties with high particularly 55+ shares are much smaller. Daggett County in Utah, for instance, is the third oldest county in the country, with 74.6 percent of its households age 55+, but there are fewer than 300 households total in the entire country. Because of their small populations, some of these counties will be of limited interest to developers. From a developer s viewpoint, top 55+ counties should probably combine a high share and number of 55+ households. Figure 3 shows the counties with top 55+ housing markets, defined as counties that satisfy two criteria: 1), over 60 percent of the households are headed by someone age 55+, 2) the county has a minimum of 20,000 of these 55+ households. Only 13 counties satisfy both criteria. Ten of them (Charlotte, Citrus, Collier, Flagler, Hernando, Highlands, Indian River, Martin, Sarasota and Sumter) are in Florida. Two (Mohave and Yavapai) are in Arizona, and the remaining one is Barnstable County in Massachusetts. 5

6 Barnstable County consists of Cape Cod (along with some nearby islands) and is a wellknown as a retirement destination. The two counties in Arizona are adjacent to each other in the northeast part of the state. Each has a population of about 200,000 spread over a relatively large geographic area (over 8,000 square miles for Yavapai, and over 13,000 square miles for Mohave). The 55+ household counts and shares for these and all counties are shown in Table 2, also available at the end of this article. In addition, Table 2 shows where each county ranks in terms of its 55+ share, both within each state and for the country as whole. The 13 counties in Figure 3 are probably of special interest to developers and others looking for exceptional 55+ housing markets. However, as the first two figures have shown, 55+ households are spread across the entire country. The 55+ age bracket accounting for over a third of the households in every state and over 30 percent in 99 percent of the counties. This suggests that, if you can build housing with the right amenities at the right price (not a trivial undertaking), successful 55+ communities (including those that are explicitly age restricted as well as those with features like walking trails, a clubhouse or an outdoor maintenance service suspected of appealing especially to 55+ residents) should be possible pretty much anywhere population density is sufficient to support development with significant community amenities. 1 More detail, including the other two criteria under which it s legal to age restrict housing, is available on HUD's web site. 2 Table 2. Cumulative Estimates of Resident Population Change for the United States, Regions, States, and Puerto Rico and Region and State Rankings: April 1, 2010 to Jul1 1, 2014 (MST-EST ), U.S. Census Bureau, Population Division. 6

7 Table Households by State 55+ As a of All Households Owners Renters Rank Alabama 1,842, , , , % 14 Alaska 251,678 70,907 18,135 89, % 49 Arizona 2,387, , ,002 1,023, % 21 Arkansas 1,132, ,751 94, , % 18 California 12,617,280 3,546,927 1,425,045 4,971, % 45 Colorado 1,998, , , , % 46 Connecticut 1,356, , , , % 13 Delaware 339, ,331 25, , % 8 District of Columbia 267,415 52,974 38,675 91, % 51 Florida 7,217,508 2,782, ,574 3,445, % 2 Georgia 3,540,690 1,058, ,654 1,339, % 47 Hawaii 450, ,464 54, , % 4 Idaho 585, ,993 41, , % 33 Illinois 4,778,633 1,542, ,169 1,953, % 38 Indiana 2,492, , ,263 1,032, % 32 Iowa 1,232, ,649 93, , % 22 Kansas 1,112, ,454 91, , % 37 Kentucky 1,702, , , , % 26 Louisiana 1,718, , , , % 34 Maine 553, ,306 51, , % 3 Maryland 2,155, , , , % 36 Massachusetts 2,538, , ,245 1,085, % 23 Michigan 3,827,880 1,395, ,939 1,699, % 10 Minnesota 2,115, , , , % 39 Mississippi 1,092, ,417 82, , % 20 Missouri 2,361, , ,503 1,003, % 25 Montana 407, ,600 37, , % 6 Nebraska 731, ,679 62, , % 40 Nevada 1,005, , , , % 44 New Hampshire 519, ,416 44, , % 16 New Jersey 3,188,498 1,036, ,661 1,372, % 19 New Mexico 764, ,206 60, , % 9 New York 7,255,528 2,013,250 1,075,956 3,089, % 24 North Carolina 3,742,514 1,233, ,544 1,541, % 35 North Dakota 292,616 89,690 27, , % 43 Ohio 4,570,015 1,566, ,270 1,989, % 17 Oklahoma 1,450, , , , % 30 Oregon 1,522, , , , % 11 Pennsylvania 4,957,736 1,782, ,286 2,266, % 7 Rhode Island 409, ,219 52, , % 15 South Carolina 1,795, , , , % 12 South Dakota 327, ,952 30, , % 28 Tennessee 2,487, , ,332 1,055, % 27 Texas 9,013,582 2,593, ,097 3,279, % 48 Utah 896, ,583 50, , % 50 Vermont 257,252 96,365 22, , % 5 Virginia 3,041, , ,436 1,227, % 42 Washington 2,645, , ,116 1,072, % 41 West Virginia 742, ,391 58, , % 1 Wisconsin 2,293, , , , % 29 Wyoming 225,514 78,132 15,444 93, % 31 United States 116,211,092 37,732,474 10,832,751 48,565, % NAHB tabulation of data from the American Community Survey, U.S. Census Bureau.

8 55+ As a of All Households Owners Renters Rank Rank AL Autauga County, Alabama 20,304 6, , % 2, AL Baldwin County, Alabama 73,058 29,780 5,717 35, % 1, AL Barbour County, Alabama 9,145 3, , % 1, AL Bibb County, Alabama 7,078 2, , % 1, AL Blount County, Alabama 20,934 8,218 1,304 9, % 1, AL Bullock County, Alabama 3,746 1, , % 1, AL Butler County, Alabama 8,253 3, , % 1, AL Calhoun County, Alabama 45,348 17,111 3,736 20, % 1, AL Chambers County, Alabama 13,901 5,441 1,323 6, % 1, AL Cherokee County, Alabama 11,726 4, , % 1, AL Chilton County, Alabama 16,281 6,039 1,099 7, % 2, AL Choctaw County, Alabama 5,526 2, , % AL Clarke County, Alabama 9,791 3,662 1,114 4, % 1, AL Clay County, Alabama 5,572 2, , % 1, AL Cleburne County, Alabama 5,639 2, , % 1, AL Coffee County, Alabama 19,086 7,037 1,267 8, % 2, AL Colbert County, Alabama 22,442 9,208 1,661 10, % 1, AL Conecuh County, Alabama 5,030 2, , % AL Coosa County, Alabama 4,446 2, , % AL Covington County, Alabama 14,979 6,432 1,213 7, % AL Crenshaw County, Alabama 5,424 2, , % 1, AL Cullman County, Alabama 31,160 12,629 2,312 14, % 1, AL Dale County, Alabama 19,470 6,289 1,817 8, % 2, AL Dallas County, Alabama 16,259 6,009 2,107 8, % 1, AL DeKalb County, Alabama 24,743 9,539 1,878 11, % 1, AL Elmore County, Alabama 28,617 10,069 1,576 11, % 2, AL Escambia County, Alabama 13,737 5,511 1,142 6, % 1, AL Etowah County, Alabama 40,001 15,676 3,555 19, % 1, AL Fayette County, Alabama 6,967 2, , % 1, AL Franklin County, Alabama 12,247 4,406 1,028 5, % 2, AL Geneva County, Alabama 10,898 4, , % 1, AL Greene County, Alabama 3,282 1, , % AL Hale County, Alabama 5,931 2, , % 1, AL Henry County, Alabama 6,900 2, , % AL Houston County, Alabama 39,464 14,213 3,309 17, % 2, AL Jackson County, Alabama 20,425 8,604 1,734 10, % AL Jefferson County, Alabama 259,397 86,955 22, , % 2, AL Lamar County, Alabama 6,147 2, , % 1, AL Lauderdale County, Alabama 38,691 14,645 3,281 17, % 1, AL Lawrence County, Alabama 13,312 5, , % 1, AL Lee County, Alabama 56,637 14,231 3,105 17, % 3, AL Limestone County, Alabama 32,156 11,235 2,034 13, % 2, AL Lowndes County, Alabama 4,287 1, , % AL Macon County, Alabama 8,039 3, , % AL Madison County, Alabama 135,409 43,550 8,766 52, % 2, AL Marengo County, Alabama 8,477 3, , % 1, AL Marion County, Alabama 12,602 5, , % 1, AL Marshall County, Alabama 34,524 12,988 3,001 15, % 1, AL Mobile County, Alabama 154,400 53,523 12,957 66, % 2, AL Monroe County, Alabama 8,390 3, , % AL Montgomery County, Alabama 89,143 27,658 7,709 35, % 2, AL Morgan County, Alabama 45,856 16,631 3,888 20, % 2, AL Perry County, Alabama 3,263 1, , % AL Pickens County, Alabama 7,741 2, , % 1, AL Pike County, Alabama 12,909 3,918 1,245 5, % 2, AL Randolph County, Alabama 9,016 3, , % 1, AL Russell County, Alabama 21,568 6,523 1,721 8, % 2, AL St. Clair County, Alabama 31,673 12,098 1,745 13, % 2, AL Shelby County, Alabama 74,790 25,487 3,016 28, % 2, AL Sumter County, Alabama 4,962 1, , % 1, AL Talladega County, Alabama 31,277 11,827 2,418 14, % 1, AL Tallapoosa County, Alabama 16,437 6,993 1,464 8, % AL Tuscaloosa County, Alabama 68,103 21,963 4,862 26, % 2, NAHB tabulation of data from the American Community Survey, U.S. Census Bureau. page 1

9 55+ As a of All Households Owners Renters Rank Rank AL Walker County, Alabama 25,571 10,625 2,068 12, % 1, AL Washington County, Alabama 6,218 2, , % AL Wilcox County, Alabama 3,843 1, , % AL Winston County, Alabama 9,526 4, , % AK Aleutians East Borough, Alaska % 3, AK Aleutians West Census Area, Alaska 1, % 3, AK Anchorage Municipality, Alaska 105,164 26,629 7,186 33, % 3, AK Bethel Census Area, Alaska 4,441 1, , % 2, AK Bristol Bay Borough, Alaska % 3, AK Denali Borough, Alaska % 3, AK Dillingham Census Area, Alaska 1, % 2, AK Fairbanks North Star Borough, Alaska 35,844 9,106 2,174 11, % 3, AK Haines Borough, Alaska 1, % 2,076 6 AK Hoonah-Angoon Census Area, Alaska % AK Juneau City and Borough, Alaska 12,081 3,501 1,036 4, % 2, AK Kenai Peninsula Borough, Alaska 21,559 8,133 1,562 9, % 2,068 5 AK Ketchikan Gateway Borough, Alaska 5,305 1, , % 2,617 9 AK Kodiak Island Borough, Alaska 4,560 1, , % 3, AK Lake and Peninsula Borough, Alaska % 3, AK Matanuska-Susitna Borough, Alaska 31,104 9,619 1,865 11, % 2, AK Nome Census Area, Alaska 2, , % 2, AK North Slope Borough, Alaska 1, % 3, AK Northwest Arctic Borough, Alaska 1, % 2, AK Petersburg Borough, Alaska 1, % 2,200 7 AK Prince of Wales-Hyder Census Area, Alaska 2, , % 1,538 4 AK Sitka City and Borough, Alaska 3,513 1, , % 2, AK Skagway Municipality, Alaska % 2, AK Southeast Fairbanks Census Area, Alaska 2, % 2,368 8 AK Valdez-Cordova Census Area, Alaska 3, , % 2, AK Wade Hampton Census Area, Alaska 1, % 2, AK Wrangell City and Borough, Alaska 1, % 63 1 AK Yakutat City and Borough, Alaska % 2, AK Yukon-Koyukuk Census Area, Alaska 2, , % 1,099 3 AZ Apache County, Arizona 19,046 8,497 1,580 10, % AZ Cochise County, Arizona 48,846 21,211 4,342 25, % AZ Coconino County, Arizona 46,391 14,303 3,283 17, % 2, AZ Gila County, Arizona 20,824 10,823 1,988 12, % 77 3 AZ Graham County, Arizona 10,975 4, , % 2, AZ Greenlee County, Arizona 3, , % 2, AZ La Paz County, Arizona 9,707 5, , % 31 1 AZ Maricopa County, Arizona 1,424, , , , % 2, AZ Mohave County, Arizona 80,529 40,298 8,753 49, % 95 4 AZ Navajo County, Arizona 34,018 14,981 2,441 17, % AZ Pima County, Arizona 386, ,995 39, , % 1, AZ Pinal County, Arizona 126,128 50,831 9,210 60, % 1,544 8 AZ Santa Cruz County, Arizona 15,514 5,288 1,839 7, % 1,895 9 AZ Yavapai County, Arizona 91,508 46,377 10,151 56, % 72 2 AZ Yuma County, Arizona 69,915 25,730 4,824 30, % 2, AR Arkansas County, Arkansas 7,787 3, , % 1, AR Ashley County, Arkansas 8,518 3, , % 1, AR Baxter County, Arkansas 18,237 9,571 1,727 11, % 67 1 AR Benton County, Arkansas 83,191 25,396 5,456 30, % 2, AR Boone County, Arkansas 14,855 5,990 1,039 7, % 1, AR Bradley County, Arkansas 4,720 1, , % 1, AR Calhoun County, Arkansas 2, , % AR Carroll County, Arkansas 11,069 4, , % AR Chicot County, Arkansas 4,495 1, , % AR Clark County, Arkansas 8,467 3, , % 1, AR Clay County, Arkansas 6,729 2, , % AR Cleburne County, Arkansas 10,292 5, , % AR Cleveland County, Arkansas 3,270 1, , % 1, AR Columbia County, Arkansas 9,509 3, , % 2, AR Conway County, Arkansas 8,370 3, , % 1, NAHB tabulation of data from the American Community Survey, U.S. Census Bureau. page 2

10 55+ As a of All Households Owners Renters Rank Rank AR Craighead County, Arkansas 38,081 10,881 3,184 14, % 2, AR Crawford County, Arkansas 23,490 8,334 1,502 9, % 2, AR Crittenden County, Arkansas 18,253 5,104 2,066 7, % 2, AR Cross County, Arkansas 6,882 2, , % 2, AR Dallas County, Arkansas 3,322 1, , % AR Desha County, Arkansas 5,166 1, , % 1, AR Drew County, Arkansas 7,344 2, , % 2, AR Faulkner County, Arkansas 42,964 11,275 2,886 14, % 3, AR Franklin County, Arkansas 6,783 2, , % 1, AR Fulton County, Arkansas 5,312 2, , % AR Garland County, Arkansas 39,876 16,809 3,954 20, % AR Grant County, Arkansas 6,798 2, , % 2, AR Greene County, Arkansas 16,610 5,514 1,527 7, % 2, AR Hempstead County, Arkansas 8,115 3, , % 1, AR Hot Spring County, Arkansas 12,027 5, , % 1, AR Howard County, Arkansas 5,085 1, , % 2, AR Independence County, Arkansas 14,405 5,384 1,053 6, % 2, AR Izard County, Arkansas 5,656 2, , % AR Jackson County, Arkansas 6,402 2, , % AR Jefferson County, Arkansas 28,488 10,145 2,600 12, % 2, AR Johnson County, Arkansas 10,023 3, , % 2, AR Lafayette County, Arkansas 2,827 1, , % AR Lawrence County, Arkansas 6,630 2, , % 1, AR Lee County, Arkansas 3,488 1, , % AR Lincoln County, Arkansas 4,195 1, , % 2, AR Little River County, Arkansas 5,241 2, , % 1, AR Logan County, Arkansas 8,439 3, , % 1, AR Lonoke County, Arkansas 25,572 7,825 1,688 9, % 2, AR Madison County, Arkansas 6,152 2, , % 1, AR Marion County, Arkansas 6,912 3, , % 80 2 AR Miller County, Arkansas 16,946 5,678 1,340 7, % 2, AR Mississippi County, Arkansas 17,188 5,121 2,045 7, % 2, AR Monroe County, Arkansas 3,374 1, , % AR Montgomery County, Arkansas 3,813 2, , % AR Nevada County, Arkansas 3,596 1, , % AR Newton County, Arkansas 3,346 1, , % AR Ouachita County, Arkansas 10,502 4, , % 1, AR Perry County, Arkansas 3,926 1, , % 1, AR Phillips County, Arkansas 8,291 2,650 1,197 3, % 1, AR Pike County, Arkansas 4,352 1, , % 1, AR Poinsett County, Arkansas 9,314 3,268 1,142 4, % 1, AR Polk County, Arkansas 7,994 3, , % AR Pope County, Arkansas 22,776 7,485 1,846 9, % 2, AR Prairie County, Arkansas 3,776 1, , % AR Pulaski County, Arkansas 153,323 47,704 13,273 60, % 2, AR Randolph County, Arkansas 7,293 3, , % 1, AR St. Francis County, Arkansas 9,351 3,368 1,101 4, % 1, AR Saline County, Arkansas 41,702 16,051 2,411 18, % 2, AR Scott County, Arkansas 4,125 1, , % 1, AR Searcy County, Arkansas 3,179 1, , % AR Sebastian County, Arkansas 49,424 15,330 4,838 20, % 2, AR Sevier County, Arkansas 5,918 1, , % 2, AR Sharp County, Arkansas 7,053 3, , % AR Stone County, Arkansas 5,267 2, , % AR Union County, Arkansas 16,689 6,295 1,337 7, % 1, AR Van Buren County, Arkansas 7,077 3, , % AR Washington County, Arkansas 80,457 19,669 5,654 25, % 3, AR White County, Arkansas 29,447 9,827 2,416 12, % 2, AR Woodruff County, Arkansas 3,055 1, , % AR Yell County, Arkansas 7,825 2, , % 1, CA Alameda County, California 551, ,375 65, , % 2, CA Alpine County, California % CA Amador County, California 13,939 7,386 1,281 8, % 65 2 NAHB tabulation of data from the American Community Survey, U.S. Census Bureau. page 3

11 55+ As a of All Households Owners Renters Rank Rank CA Butte County, California 85,215 30,679 8,882 39, % 1, CA Calaveras County, California 18,608 10,003 1,259 11, % CA Colusa County, California 6,912 2, , % 2, CA Contra Costa County, California 380, ,081 34, , % 2, CA Del Norte County, California 9,527 3,686 1,315 5, % CA El Dorado County, California 67,220 28,872 5,068 33, % CA Fresno County, California 292,550 78,500 31, , % 2, CA Glenn County, California 9,561 3,479 1,044 4, % 1, CA Humboldt County, California 53,130 17,483 5,979 23, % 2, CA Imperial County, California 46,952 11,813 7,034 18, % 2, CA Inyo County, California 7,891 3,241 1,051 4, % CA Kern County, California 257,737 67,982 23,793 91, % 2, CA Kings County, California 41,108 9,819 3,876 13, % 3, CA Lake County, California 26,771 11,089 3,358 14, % CA Lassen County, California 9,821 3,533 1,055 4, % 1, CA Los Angeles County, California 3,242, , ,260 1,213, % 2, CA Madera County, California 42,723 14,417 4,168 18, % 2, CA Marin County, California 103,034 40,024 13,726 53, % CA Mariposa County, California 7,289 3, , % 89 3 CA Mendocino County, California 33,693 13,308 4,514 17, % CA Merced County, California 76,516 18,574 8,202 26, % 2, CA Modoc County, California 3,893 1, , % CA Mono County, California 5,160 1, , % 2, CA Monterey County, California 125,115 35,195 15,027 50, % 2, CA Napa County, California 49,631 17,981 5,944 23, % 1, CA Nevada County, California 40,838 19,984 3,499 23, % CA Orange County, California 1,002, ,918 99, , % 2, CA Placer County, California 134,111 50,061 11,365 61, % 1, CA Plumas County, California 8,529 4, , % CA Riverside County, California 690, ,623 61, , % 2, CA Sacramento County, California 519, ,068 55, , % 2, CA San Benito County, California 17,121 5,245 1,389 6, % 2, CA San Bernardino County, California 607, ,610 52, , % 2, CA San Diego County, California 1,083, , , , % 2, CA San Francisco County, California 348,832 64,554 62, , % 2, CA San Joaquin County, California 217,343 59,275 23,284 82, % 2, CA San Luis Obispo County, California 102,350 38,377 10,896 49, % 1, CA San Mateo County, California 258,683 82,498 26, , % 2, CA Santa Barbara County, California 142,028 44,225 17,081 61, % 2, CA Santa Clara County, California 614, ,282 58, , % 2, CA Santa Cruz County, California 94,219 32,312 10,631 42, % 1, CA Shasta County, California 68,961 27,848 7,638 35, % CA Sierra County, California 1, % 34 1 CA Siskiyou County, California 19,380 8,323 2,305 10, % CA Solano County, California 142,521 45,731 14,436 60, % 2, CA Sonoma County, California 186,935 66,303 22,148 88, % 1, CA Stanislaus County, California 168,090 46,781 17,852 64, % 2, CA Sutter County, California 31,723 9,881 3,272 13, % 2, CA Tehama County, California 23,480 9,555 1,960 11, % 1, CA Trinity County, California 5,521 2, , % CA Tulare County, California 132,706 36,200 12,412 48, % 2, CA Tuolumne County, California 22,181 10,742 2,104 12, % CA Ventura County, California 267,829 89,988 25, , % 2, CA Yolo County, California 70,953 18,800 6,553 25, % 2, CA Yuba County, California 24,712 6,899 2,519 9, % 2, CO Adams County, Colorado 155,047 40,236 10,804 51, % 3, CO Alamosa County, Colorado 5,993 1, , % 2, CO Arapahoe County, Colorado 228,267 64,306 18,224 82, % 2, CO Archuleta County, Colorado 5,343 2, , % CO Baca County, Colorado 1, % CO Bent County, Colorado 1, % CO Boulder County, Colorado 121,526 35,485 8,281 43, % 2, CO Broomfield County, Colorado 22,651 6,248 1,641 7, % 3, NAHB tabulation of data from the American Community Survey, U.S. Census Bureau. page 4

12 55+ As a of All Households Owners Renters Rank Rank CO Chaffee County, Colorado 7,735 3, , % CO Cheyenne County, Colorado % 2, CO Clear Creek County, Colorado 4,103 1, , % 1, CO Conejos County, Colorado 3,023 1, , % 1, CO Costilla County, Colorado 1, % CO Crowley County, Colorado 1, % 2, CO Custer County, Colorado 2,125 1, , % 13 2 CO Delta County, Colorado 12,527 5,759 1,272 7, % CO Denver County, Colorado 271,054 57,349 29,221 86, % 3, CO Dolores County, Colorado % CO Douglas County, Colorado 105,404 29,987 4,845 34, % 3, CO Eagle County, Colorado 18,038 4, , % 3, CO Elbert County, Colorado 8,259 3, , % 2, CO El Paso County, Colorado 240,154 68,913 16,731 85, % 2, CO Fremont County, Colorado 16,600 7,842 1,515 9, % CO Garfield County, Colorado 20,330 5,739 1,432 7, % 2, CO Gilpin County, Colorado 2, , % 2, CO Grand County, Colorado 5,208 2, , % 1, CO Gunnison County, Colorado 6,336 1, , % 3, CO Hinsdale County, Colorado % 20 3 CO Huerfano County, Colorado 2,864 1, , % 55 4 CO Jackson County, Colorado % 1, CO Jefferson County, Colorado 220,814 76,404 16,947 93, % 2, CO Kiowa County, Colorado % 2, CO Kit Carson County, Colorado 3,053 1, , % 1, CO Lake County, Colorado 3, , % 2, CO La Plata County, Colorado 21,124 7,637 1,524 9, % 2, CO Larimer County, Colorado 122,743 39,632 8,797 48, % 2, CO Las Animas County, Colorado 5,890 2, , % CO Lincoln County, Colorado 1, % CO Logan County, Colorado 7,825 2, , % 2, CO Mesa County, Colorado 58,966 22,134 4,603 26, % 2, CO Mineral County, Colorado % 6 1 CO Moffat County, Colorado 4,890 1, , % 2, CO Montezuma County, Colorado 10,659 4, , % 1, CO Montrose County, Colorado 16,815 6,877 1,653 8, % CO Morgan County, Colorado 10,443 3,349 1,128 4, % 2, CO Otero County, Colorado 7,381 2, , % CO Ouray County, Colorado 1, , % CO Park County, Colorado 7,184 3, , % 1, CO Phillips County, Colorado 1, % 1, CO Pitkin County, Colorado 7,357 2, , % 1, CO Prowers County, Colorado 4,925 1, , % 1, CO Pueblo County, Colorado 62,829 23,233 6,099 29, % 1, CO Rio Blanco County, Colorado 2, , % 2, CO Rio Grande County, Colorado 4,741 1, , % 1, CO Routt County, Colorado 9,573 3, , % 2, CO Saguache County, Colorado 2,598 1, , % CO San Juan County, Colorado % 2, CO San Miguel County, Colorado 3,330 1, , % 2, CO Sedgwick County, Colorado % CO Summit County, Colorado 10,386 3, , % 3, CO Teller County, Colorado 9,611 4, , % CO Washington County, Colorado 1, , % CO Weld County, Colorado 92,369 26,881 5,723 32, % 2, CO Yuma County, Colorado 3,833 1, , % 1, CT Fairfield County, Connecticut 333, ,589 29, , % 2,460 8 CT Hartford County, Connecticut 348, ,628 39, , % 2,312 4 CT Litchfield County, Connecticut 75,229 30,210 6,947 37, % 1,149 1 CT Middlesex County, Connecticut 66,372 25,234 5,884 31, % 1,704 2 CT New Haven County, Connecticut 327, ,724 37, , % 2,308 3 CT New London County, Connecticut 106,882 37,168 9,293 46, % 2,330 5 CT Tolland County, Connecticut 54,444 19,641 3,727 23, % 2,416 6 NAHB tabulation of data from the American Community Survey, U.S. Census Bureau. page 5

13 55+ As a of All Households Owners Renters Rank Rank CT Windham County, Connecticut 44,487 15,032 4,009 19, % 2,434 7 DE Kent County, Delaware 59,142 20,918 4,144 25, % 2,486 2 DE New Castle County, Delaware 201,543 66,665 15,970 82, % 2,623 3 DE Sussex County, Delaware 78,361 39,748 4,947 44, % DC District of Columbia, District of Columbia 267,415 52,974 38,675 91, % 3,018 1 FL Alachua County, Florida 96,137 26,985 7,349 34, % 2, FL Baker County, Florida 8,351 3, , % 2, FL Bay County, Florida 67,388 23,029 6,157 29, % 2, FL Bradford County, Florida 8,824 3, , % FL Brevard County, Florida 221,582 98,035 19, , % FL Broward County, Florida 667, ,914 60, , % 2, FL Calhoun County, Florida 4,756 2, , % FL Charlotte County, Florida 70,948 43,508 6,387 49, % 11 2 FL Citrus County, Florida 60,670 36,449 4,493 40, % 24 3 FL Clay County, Florida 68,016 24,232 3,737 27, % 2, FL Collier County, Florida 126,331 65,714 12,475 78, % 69 8 FL Columbia County, Florida 23,714 10,207 1,539 11, % 1, FL DeSoto County, Florida 10,964 5, , % FL Dixie County, Florida 6,020 2, , % FL Duval County, Florida 334,721 98,864 28, , % 2, FL Escambia County, Florida 112,395 40,526 10,537 51, % 1, FL Flagler County, Florida 35,939 19,644 2,492 22, % FL Franklin County, Florida 4,253 2, , % FL Gadsden County, Florida 16,986 6,950 1,259 8, % 1, FL Gilchrist County, Florida 6,274 3, , % FL Glades County, Florida 3,846 2, , % 71 9 FL Gulf County, Florida 5,381 2, , % 1, FL Hamilton County, Florida 4,704 2, , % FL Hardee County, Florida 7,534 2, , % 1, FL Hendry County, Florida 11,156 3, , % 2, FL Hernando County, Florida 70,183 37,133 5,087 42, % FL Highlands County, Florida 39,882 22,666 3,863 26, % 28 4 FL Hillsborough County, Florida 477, ,476 42, , % 2, FL Holmes County, Florida 6,758 3, , % FL Indian River County, Florida 57,342 29,999 5,965 35, % 59 6 FL Jackson County, Florida 15,961 7,103 1,389 8, % FL Jefferson County, Florida 5,372 2, , % FL Lafayette County, Florida 2, , % 2, FL Lake County, Florida 117,657 56,751 9,653 66, % FL Lee County, Florida 246, ,173 23, , % FL Leon County, Florida 110,669 29,611 7,741 37, % 3, FL Levy County, Florida 15,638 7,684 1,164 8, % FL Liberty County, Florida 2, , % 2, FL Madison County, Florida 6,651 3, , % FL Manatee County, Florida 133,445 63,661 12,911 76, % FL Marion County, Florida 133,137 69,561 9,436 78, % FL Martin County, Florida 60,828 33,184 4,926 38, % 60 7 FL Miami-Dade County, Florida 833, , , , % 2, FL Monroe County, Florida 28,418 11,646 3,638 15, % FL Nassau County, Florida 28,068 12,448 2,039 14, % FL Okaloosa County, Florida 73,655 24,863 5,282 30, % 2, FL Okeechobee County, Florida 13,213 5, , % FL Orange County, Florida 423, ,270 32, , % 3, FL Osceola County, Florida 90,414 27,104 7,418 34, % 2, FL Palm Beach County, Florida 529, ,017 47, , % FL Pasco County, Florida 184,806 81,160 15,069 96, % FL Pinellas County, Florida 402, ,240 45, , % FL Polk County, Florida 220,556 92,911 18, , % FL Putnam County, Florida 27,842 13,194 1,866 15, % FL St. Johns County, Florida 77,443 30,596 6,004 36, % 1, FL St. Lucie County, Florida 107,104 48,226 8,254 56, % FL Santa Rosa County, Florida 57,583 20,826 3,044 23, % 2, FL Sarasota County, Florida 172,720 93,139 19, , % 37 5 NAHB tabulation of data from the American Community Survey, U.S. Census Bureau. page 6

14 55+ As a of All Households Owners Renters Rank Rank FL Seminole County, Florida 147,932 49,787 11,265 61, % 2, FL Sumter County, Florida 45,868 36,880 2,011 38, % 1 1 FL Suwannee County, Florida 15,583 6,518 1,462 7, % FL Taylor County, Florida 7,464 3, , % FL Union County, Florida 3,816 1, , % 3, FL Volusia County, Florida 197,092 89,507 18, , % FL Wakulla County, Florida 10,905 4, , % 2, FL Walton County, Florida 22,638 9,561 2,206 11, % FL Washington County, Florida 8,381 3, , % GA Appling County, Georgia 6,878 2, , % 2, GA Atkinson County, Georgia 2, , % 2, GA Bacon County, Georgia 3,953 1, , % 2, GA Baker County, Georgia 1, % GA Baldwin County, Georgia 16,194 5,290 1,496 6, % 2, GA Banks County, Georgia 6,703 2, , % 2, GA Barrow County, Georgia 23,064 6,829 1,196 8, % 3, GA Bartow County, Georgia 35,293 11,271 2,843 14, % 2, GA Ben Hill County, Georgia 6,349 2, , % 2, GA Berrien County, Georgia 7,102 2, , % 2, GA Bibb County, Georgia 56,660 16,734 7,593 24, % 2, GA Bleckley County, Georgia 4,019 1, , % GA Brantley County, Georgia 6,523 2, , % 2, GA Brooks County, Georgia 6,550 2, , % 1, GA Bryan County, Georgia 11,231 3, , % 2, GA Bulloch County, Georgia 25,803 6,426 1,830 8, % 3, GA Burke County, Georgia 7,970 2, , % 2, GA Butts County, Georgia 7,781 2, , % 2, GA Calhoun County, Georgia 1, % GA Camden County, Georgia 18,560 5,149 1,251 6, % 3, GA Candler County, Georgia 3,944 1, , % 2, GA Carroll County, Georgia 39,610 11,393 3,682 15, % 2, GA Catoosa County, Georgia 23,813 8,657 1,873 10, % 2, GA Charlton County, Georgia 3,552 1, , % 2, GA Chatham County, Georgia 103,807 31,046 10,075 41, % 2, GA Chattahoochee County, Georgia 2, % 3, GA Chattooga County, Georgia 9,347 3, , % 1, GA Cherokee County, Georgia 77,654 25,089 3,842 28, % 2, GA Clarke County, Georgia 42,107 9,125 3,345 12, % 3, GA Clay County, Georgia 1, % GA Clayton County, Georgia 87,490 19,041 7,144 26, % 3, GA Clinch County, Georgia 2, , % 2, GA Cobb County, Georgia 264,805 72,536 14,911 87, % 3, GA Coffee County, Georgia 14,597 4,782 1,136 5, % 2, GA Colquitt County, Georgia 15,893 5,043 1,756 6, % 2, GA Columbia County, Georgia 44,764 15,219 1,869 17, % 2, GA Cook County, Georgia 6,255 2, , % 2, GA Coweta County, Georgia 47,666 15,249 2,849 18, % 2, GA Crawford County, Georgia 4,655 1, , % 2, GA Crisp County, Georgia 8,574 2, , % 2, GA Dade County, Georgia 6,175 2, , % 1, GA Dawson County, Georgia 8,277 3, , % 1, GA Decatur County, Georgia 10,473 3,446 1,320 4, % 1, GA DeKalb County, Georgia 264,120 66,521 22,065 88, % 3, GA Dodge County, Georgia 8,056 2, , % 2, GA Dooly County, Georgia 4,957 1, , % 1, GA Dougherty County, Georgia 35,585 9,938 5,154 15, % 2, GA Douglas County, Georgia 46,708 12,526 2,826 15, % 3, GA Early County, Georgia 4,096 1, , % 1, GA Echols County, Georgia 1, % 3, GA Effingham County, Georgia 17,942 5, , % 2, GA Elbert County, Georgia 7,786 2, , % 1, GA Emanuel County, Georgia 8,003 2, , % 1, GA Evans County, Georgia 3,936 1, , % 2, NAHB tabulation of data from the American Community Survey, U.S. Census Bureau. page 7

15 55+ As a of All Households Owners Renters Rank Rank GA Fannin County, Georgia 9,684 5, , % GA Fayette County, Georgia 38,231 16,417 1,853 18, % 1, GA Floyd County, Georgia 34,794 11,628 4,028 15, % 2, GA Forsyth County, Georgia 59,633 17,945 2,407 20, % 3, GA Franklin County, Georgia 8,527 3,094 1,052 4, % 1, GA Fulton County, Georgia 373,005 80,872 39, , % 3, GA Gilmer County, Georgia 10,959 4,788 1,005 5, % GA Glascock County, Georgia 1, % 2, GA Glynn County, Georgia 31,743 11,357 3,313 14, % 1, GA Gordon County, Georgia 19,320 6,440 1,675 8, % 2, GA Grady County, Georgia 9,378 3,135 1,053 4, % 2, GA Greene County, Georgia 6,491 3, , % 73 5 GA Gwinnett County, Georgia 270,773 66,177 12,930 79, % 3, GA Habersham County, Georgia 14,613 6,284 1,144 7, % GA Hall County, Georgia 61,361 20,208 4,553 24, % 2, GA Hancock County, Georgia 2,787 1, , % 41 3 GA Haralson County, Georgia 10,688 3,689 1,049 4, % 2, GA Harris County, Georgia 11,554 5, , % 1, GA Hart County, Georgia 10,050 4, , % GA Heard County, Georgia 4,358 1, , % 1, GA Henry County, Georgia 69,717 20,219 3,153 23, % 3, GA Houston County, Georgia 52,564 15,072 3,291 18, % 2, GA Irwin County, Georgia 3,325 1, , % 1, GA Jackson County, Georgia 20,927 7,351 1,012 8, % 2, GA Jasper County, Georgia 5,142 1, , % 2, GA Jeff Davis County, Georgia 5,383 1, , % 2, GA Jefferson County, Georgia 6,100 2, , % 1, GA Jenkins County, Georgia 3,411 1, , % 2, GA Johnson County, Georgia 3,253 1, , % 1, GA Jones County, Georgia 10,329 3, , % 2, GA Lamar County, Georgia 6,427 2, , % 1, GA Lanier County, Georgia 3,737 1, , % 2, GA Laurens County, Georgia 17,614 6,313 1,987 8, % 1, GA Lee County, Georgia 10,060 3, , % 2, GA Liberty County, Georgia 22,863 4, , % 3, GA Lincoln County, Georgia 3,397 1, , % GA Long County, Georgia 5,078 1, , % 3, GA Lowndes County, Georgia 39,718 10,295 3,507 13, % 3, GA Lumpkin County, Georgia 11,096 4, , % 1, GA McDuffie County, Georgia 8,177 2, , % 2, GA McIntosh County, Georgia 4,991 2, , % GA Macon County, Georgia 4,655 1, , % GA Madison County, Georgia 9,819 3, , % 1, GA Marion County, Georgia 3,114 1, , % GA Meriwether County, Georgia 8,083 3, , % GA Miller County, Georgia 2, , % 1, GA Mitchell County, Georgia 8,159 2, , % 1, GA Monroe County, Georgia 9,626 4, , % 1, GA Montgomery County, Georgia 3,166 1, , % 1, GA Morgan County, Georgia 6,408 2, , % GA Murray County, Georgia 14,020 4,211 1,380 5, % 2, GA Muscogee County, Georgia 72,556 19,825 8,172 27, % 2, GA Newton County, Georgia 34,516 10,815 1,986 12, % 2, GA Oconee County, Georgia 11,621 4, , % 2, GA Oglethorpe County, Georgia 5,428 2, , % 1, GA Paulding County, Georgia 48,472 12,323 1,964 14, % 3, GA Peach County, Georgia 9,677 3, , % 2, GA Pickens County, Georgia 11,019 4, , % 1, GA Pierce County, Georgia 6,857 2, , % 1, GA Pike County, Georgia 6,096 2, , % 2, GA Polk County, Georgia 14,778 5,345 1,136 6, % 2, GA Pulaski County, Georgia 4,148 1, , % GA Putnam County, Georgia 8,457 3, , % NAHB tabulation of data from the American Community Survey, U.S. Census Bureau. page 8

16 55+ As a of All Households Owners Renters Rank Rank GA Quitman County, Georgia 1, % GA Rabun County, Georgia 6,966 3, , % GA Randolph County, Georgia 2,868 1, , % 1, GA Richmond County, Georgia 71,776 20,709 7,546 28, % 2, GA Rockdale County, Georgia 29,284 9,695 2,017 11, % 2, GA Schley County, Georgia 1, % 2, GA Screven County, Georgia 5,252 2, , % 1, GA Seminole County, Georgia 3,310 1, , % GA Spalding County, Georgia 23,013 7,906 2,304 10, % 2, GA Stephens County, Georgia 9,260 4, , % GA Stewart County, Georgia 1, % GA Sumter County, Georgia 11,574 3,837 1,190 5, % 2, GA Talbot County, Georgia 2,688 1, , % GA Taliaferro County, Georgia % 70 4 GA Tattnall County, Georgia 8,036 2, , % 2, GA Taylor County, Georgia 3,584 1, , % GA Telfair County, Georgia 5,428 1, , % GA Terrell County, Georgia 3,227 1, , % 1, GA Thomas County, Georgia 17,352 5,889 2,021 7, % 1, GA Tift County, Georgia 13,966 4,218 1,361 5, % 2, GA Toombs County, Georgia 10,579 3,362 1,339 4, % 2, GA Towns County, Georgia 4,299 2, , % 35 2 GA Treutlen County, Georgia 2,596 1, , % GA Troup County, Georgia 24,597 7,939 2,408 10, % 2, GA Turner County, Georgia 3,086 1, , % GA Twiggs County, Georgia 3,033 1, , % GA Union County, Georgia 8,447 4, , % 23 1 GA Upson County, Georgia 10,363 3,675 1,214 4, % 1, GA Walker County, Georgia 26,123 10,014 2,206 12, % 1, GA Walton County, Georgia 29,490 9,770 1,976 11, % 2, GA Ware County, Georgia 13,702 4,635 1,764 6, % 1, GA Warren County, Georgia 2, , % GA Washington County, Georgia 7,122 2, , % 1, GA Wayne County, Georgia 10,226 3, , % 2, GA Webster County, Georgia 1, % GA Wheeler County, Georgia 1, % 1, GA White County, Georgia 11,507 4, , % 1, GA Whitfield County, Georgia 34,734 10,523 2,675 13, % 2, GA Wilcox County, Georgia 2,735 1, , % 1, GA Wilkes County, Georgia 4,078 1, , % GA Wilkinson County, Georgia 3,343 1, , % GA Worth County, Georgia 8,016 3, , % 1, HI Hawaii County, Hawaii 64,586 26,061 7,519 33, % HI Honolulu County, Hawaii 310, ,611 37, , % 2,150 5 HI Kalawao County, Hawaii % 1,029 3 HI Kauai County, Hawaii 22,395 9,072 2,775 11, % HI Maui County, Hawaii 53,131 17,720 6,820 24, % 1,842 4 ID Ada County, Idaho 154,408 45,582 10,550 56, % 2, ID Adams County, Idaho 1, % ID Bannock County, Idaho 30,277 10,120 1,666 11, % 2, ID Bear Lake County, Idaho 2,437 1, , % ID Benewah County, Idaho 3,703 1, , % ID Bingham County, Idaho 14,840 5, , % 2, ID Blaine County, Idaho 9,258 3, , % 2, ID Boise County, Idaho 3,038 1, , % ID Bonner County, Idaho 17,388 7,811 1,643 9, % ID Bonneville County, Idaho 36,402 12,134 2,231 14, % 2, ID Boundary County, Idaho 4,101 1, , % ID Butte County, Idaho 1, % ID Camas County, Idaho % 1, ID Canyon County, Idaho 64,514 20,863 4,296 25, % 2, ID Caribou County, Idaho 2,683 1, , % 1, ID Cassia County, Idaho 7,744 2, , % 2, NAHB tabulation of data from the American Community Survey, U.S. Census Bureau. page 9