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Homeowners tend to have higher median incomes, ,127 compared to ,264, and are more insulated to price changes once they have purchased a home and signed a mortgage.Lower income and cost-burdened households are less likely to become homeowners, as it’s difficult to save enough for a downpayment.The share of severely cost-burdened renters has fallen 3 percentage points between 20, while the share of moderately burdened renters has fallen 0.7 percentage points.During the recession, some moderately cost-burdened renters fell into the severely burdened category due to a job loss or pay cut.

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From 2005 to 2016, the share of renter households earning over 120 percent of the area median income (AMI) increased by 4.1 percentage points, while the share earning under 80 percent of the AMI fell by a similar amount.

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