This Indicator measures the percent of individuals who live in housing units that do not have complete plumbing facilities. Complete plumbing facilities include hot and cold water and a bathtub or shower.

This Indicator measures housing habitability complaints as a percent of total housing units by zip code as reported to the Oakland Code Enforcement Division. This Indicator compares zip codes in which more than 60% of the population is non-White to those in which more than 60% of the population is White. The third category of zip codes is those in which the population is racially and ethnically mixed.

This Indicator measures the difference in denial rate of Home Mortgage Disclosure Act (HMDA) loans by race/ethnicity. The HMDA requires that any loan secured by a lien on a
dwelling made for the purpose of purchasing a home is reportable on an annual basis to the Federal Financial Institutions Examination Council (FFIEC), which is the federal reporting agency of the Federal Reserve Board.

This Indicator measures the percent of individuals living in housing units without access to high speed Internet, defined as broadband Internet service such as cable, fiber optic, or DSL service.

This Indicator measures the percent of householders who do not own their homes. The percent of householders living in owner-occupied units does not consider other properties that may be owned by individuals within the household. This Indicator measures whether the householder owns the unit in which s/he lives.

Energy cost burden is measured by the amount spent on electricity, gas, and other fuel, as a percent of household income. This Indicator measures the median energy cost burden by the race/ethnicity of householders. Householders whose energy costs were included in rent or condominium fees were excluded from this analysis.

This Indicator measures the likelihood of individuals living in overcrowded housing, which is defined as housing units that have more than 1.5 people per room. Persons-per-room is the most common measure for overcrowding in housing, and 1.5 is a widely accepted threshold above which there are impacts on health and personal safety. (Source: https://www.huduser.gov/publications/pdf/measuring_overcrowding_in_hsg.pdf)

This Indicator measures the percent of homeowners who have a mortgage or loan on their homes. Outstanding debt distinguishes these homeowners from those who own their homes free and clear and no longer need to make mortgage or loan payments.

This Indicator measures the percent of individuals who live in housing units that do not have complete kitchen facilities. Complete kitchen facilities include a stove or range, a refrigerator, and a sink with a faucet.