Question 1

The following is true of housing in the U.S.:

Accepted Answer

C

Question 2

Which of the following can be said of housing today?

Accepted Answer

According to the data provided, the housing stock has increased at a rate over twice as fast as the population between 1975 and 2015, which suggests that there is a surplus of housing in the U.S.

Option B is incorrect because it contradicts the fact that urban sprawl is a growing problem in many cities, and people are moving further away from the city centers.

Option C is incorrect because it only applies to married couples and not the entire population.

Option D is incorrect because it only applies to Hispanics and not the entire population.

Question 3

According to the census, __________.

Accepted Answer

The answer is D because the statement "four-fifths of married couples are homeowners" is a specific and accurate statistic that can be found in census data. The other statements provided do not have clear evidence to support them from the census alone.

Question 4

Over the last 50 years mobility in the U. S. has

Accepted Answer

Over the last 50 years, mobility in the U.S. has decreased. This refers to the trend where fewer Americans are moving, whether within their own communities, between states, or from abroad. Factors contributing to this decline include an aging population, housing affordability issues, and job market changes.

Question 5

The state discussed in the text with extremely high housing prices is

Accepted Answer

The text mentions that California has some of the highest housing prices in the US due to a combination of factors such as supply shortages and high demand.

Question 6

According to the text, the cost of owning a home in the United States has __________ since the 1950s.

Accepted Answer

The text states that "in the 1950s, Americans typically spent about one-quarter of their income on housing. Today, that figure is closer to one-third" which indicates that the cost of owning a home in the United States has increased greatly.

Question 7

In the 1950s, the average thirty-year-old male worker could carry a mortgage on a medium-priced home for 14 percent of his gross earnings. Thirty years later, it took __________ percent of his earnings to do so.

Accepted Answer

According to the information given, in the 1980s, it took 44 percent of a thirty-year-old male worker's gross earnings to carry a mortgage on a medium-priced home.

Question 8

According to 2013 Census Bureau data __________.

Accepted Answer

According to the 2013 Census Bureau data, married couples with children constitute less than half (46.6%) of all families. Therefore, option A is the correct answer. Option B is incorrect because it states that married couples with families are now 90% of the population, which is not mentioned in the data. Option C is incorrect because it states that only a tenth of white children live with one parent, which is not specifically mentioned in the data. Option D is incorrect because it states that only a quarter of black children live with one parent, which is not specifically mentioned in the data.

Question 9

There are over 95 million households in the U.S. and __________.

Accepted Answer

Married couple families as a percentage of all families have been declining over the years, reflecting changes in societal norms and individual choices.

Question 10

Most households occupied by one individual living alone are recognized by the Census Bureau as belonging to the following household type: __________.

Accepted Answer

According to the Census Bureau, households occupied by one individual living alone are recognized as non-family households since they do not consist of two or more individuals related by birth, marriage, or adoption. Therefore, choice B (non-family) is the best answer. Choices A and C are incorrect because a household occupied by one individual living alone cannot be considered a family or unmarrieds since those terms imply the presence of more than one individual. Choice D (nontraditional household) is also incorrect since it is a broader term that can include various types of households beyond just those occupied by one individual living alone.

Question 11

The Federal Housing Act of 1937 provided for the construction of __________.

Accepted Answer

The Federal Housing Act of 1937 provided for the construction of housing projects, specifically low-income public housing projects. This was part of the New Deal program to stimulate the economy and provide affordable housing for those in need during the Great Depression.

Question 12

The federal housing projects built during the 1930s __________.

Accepted Answer

The federal housing projects built during the 1930s were generally successful, providing much-needed housing during the Great Depression and setting a precedent for public housing in the United States.

Question 13

The federal government became involved in housing programs during __________.

Accepted Answer

The federal government became involved in housing programs during the 1930s with the establishment of the Federal Housing Administration (FHA) and the creation of the United States Housing Authority (USHA).

Question 14

The United States Government __________.

Accepted Answer

The statement "became permanently involved in the question of housing during the depression of the 1930s" implies that the US government has taken a more active role in housing since that time, making choice D the best answer. Choice A is incorrect because it suggests that the US is unique in its support of housing, when in fact other Western nations also have housing policies. Choice B is incorrect because it implies that the US government has always been involved in housing, which is not true. Choice C is incorrect because it contradicts the statement that the US became involved in housing during the Great Depression.

Question 15

Public housing during the 1930s __________.

Accepted Answer

Public housing during the 1930s was specifically designed for working-class people with jobs. It aimed to provide affordable housing options for those employed but unable to afford the high costs of private housing. The other options listed do not accurately describe the primary purpose or conditions of public housing during that era.

Question 16

The purpose for the creation of the Federal Housing Authority (FHA) was __________.

Accepted Answer

The purpose of the creation of the Federal Housing Authority (FHA) was to insure home loans, providing more security for lenders and making it easier for people to obtain mortgages. This was done in order to stimulate the housing market and help more people become homeowners. While the FHA did contribute to the creation of low-income housing and the elimination of substandard housing, these were not its primary purposes. Encouraging middle-class movement into the inner city was not a goal of the FHA.

Question 17

FHA subsidies had the effect of __________.

Accepted Answer

FHA subsidies led to white suburbanization by providing loans and incentives for new housing construction in suburban areas, which were predominantly populated by white families. This resulted in an increase in racial segregation and abandonment of urban areas.

Question 18

The 1968 Fair Housing Act __________.

Accepted Answer

The 1968 Fair Housing Act declared racial covenants illegal, which were clauses in property deeds that restricted them from being sold to certain racial groups. It did not provide for urban redevelopment, put the government into the housing business, or target holding middle-class families in the city.

Question 19

Upper- and middle-class housing is __________.

Accepted Answer

Upper- and middle-class housing is often subsidized by tax deductions on federal income taxes, such as mortgage interest deductions. This is a form of government subsidy for homeownership that primarily benefits those in higher income brackets.

Question 20

The practice of refusing to make loans in minority or mixed race areas is called __________.

Accepted Answer

Redlining is the practice of denying or limiting financial services, such as loans or insurance, to certain neighborhoods based on racial or ethnic composition. This practice is illegal under the Fair Housing Act. Choice A, racial covenants, refers to clauses in property deeds that prohibit the sale of the property to individuals of a certain race or ethnicity. Choice B, intrusion, does not relate to the issue of discriminatory lending practices. Choice D, rent control, refers to a government policy regulating the amount of rent that landlords can charge for their properties.

Quiz 12: Housing Policies, Sprawl, and Smart Growth