Texas Analysis of Impediments to Fair Housing Choice

This study was a result of litigation between the State of Texas and fair housing advocates, which required an updated and comprehensive statewide analysis of fair housing barriers.

We mapped concentrations by race, ethnicity, and poverty for every Census tract in the state; compared beneficiaries of housing programs with income-eligible populations by county to examine disproportionate benefits of programs; examined disparities in mortgage loan originations, denial and subprime loans by race and ethnicity, income level, and by county; assessed state regulations for their effect on limiting housing choice; examined municipal finance policies; and conducted a statistically significant survey of residents statewide with representative sampling of minority populations and persons with disabilities.

We presented our findings to the TDHCA Board, advocates, HUD, and staff from the Governor’s office.