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Report: Black Homeownership in Calif. for 25-35-Year-Olds Has Fallen by More than 50%

A report released last week by the California Community Builders Association (CBCA) presented a grim picture of home ownership for middle income Black Californians and other minorities. The report, titled “California’s Missing Middle,” revealed that the rate of homeownership for Black Californians ages 25 through 35 dropped by more than half — from 50% to 23% over a four-decade period, beginning in 1980 through 2021.

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“Middle-income California is shrinking, and the drop is all in the lower-middle-income group, from 6.7 million in 2000 to 4.3 million in 2019, a staggering 35% drop,” reads a CBCA press release.
“Middle-income California is shrinking, and the drop is all in the lower-middle-income group, from 6.7 million in 2000 to 4.3 million in 2019, a staggering 35% drop,” reads a CBCA press release.

By California Black Media

 

A report released last week by the California Community Builders Association (CBCA) presented a grim picture of home ownership for middle income Black Californians and other minorities.

 

The report, titled “California’s Missing Middle,” revealed that the rate of homeownership for Black Californians ages 25 through 35 dropped by more than half — from 50% to 23% over a four-decade period, beginning in 1980 through 2021.

During that same period, the rate of homeownership for Latinos also fell significantly — by 22 percentage points, from 52% to 30%.

According to CBCA, the study is based on Census data. It focuses on middle-income Californians because there are rapid shifts happening among that demographic and that sub-group gets the least attention in conversations about homelessness and housing affordability.

“Middle-income California is shrinking, and the drop is all in the lower-middle-income group, from 6.7 million in 2000 to 4.3 million in 2019, a staggering 35% drop,” reads a CBCA press release.

Middle-income Californians also receive the least amount of government funded subsidies aimed at making housing more affordable in the state.

“We have no idea whether these people left the state or changed income brackets. In fact, we know little about the demographics and housing challenges of this group, but the ‘shrinking middle class’ looks real. Knowledge gaps create policy gaps, and we have both,” the CBCA press release continued.

 Among key findings in the study are nearly 60% of middle-income Californians are people of color and California housing prices have increased eight times as much as California incomes.

The report recommends that the state create a housing policy that considers the needs of middle-income Californians. The majority of them, according to CCBA, earn too little money to compete in the housing market, yet their income is too high to qualify for income-based subsidies.

“Today, the needs of low-income families are often the primary source of discussion when it comes to housing policy and housing subsidy,” the report reads. “CCB agrees with this perspective and believes low-income families need far greater support than they receive today, but we also believe that the 17 million middle-income Californians also need care and attention, as our current housing market regularly fails them.”

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Oakland Post: Week of May 28 – June 30, 2025

The printed Weekly Edition of the Oakland Post: Week of May 28 – June 3, 2025

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Oakland Post: Week of May 21 – 27, 2025

The printed Weekly Edition of the Oakland Post: Week of May 21 – 27, 2025

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OPINION: Your Voice and Vote Impact the Quality of Your Health Care

One of the most dangerous developments we’re seeing now? Deep federal cuts are being proposed to Medicaid, the life-saving health insurance program that covers nearly 80 million lower-income individuals nationwide. That is approximately 15 million Californians and about 1 million of the state’s nearly 3 million Black Californians who are at risk of losing their healthcare. 

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Rhonda M. Smith.
Rhonda M. Smith.

By Rhonda M. Smith, Special to California Black Media Partners

Shortly after last year’s election, I hopped into a Lyft and struck up a conversation with the driver. As we talked, the topic inevitably turned to politics. He confidently told me that he didn’t vote — not because he supported Donald Trump, but because he didn’t like Kamala Harris’ résumé. When I asked what exactly he didn’t like, he couldn’t specifically articulate his dislike or point to anything specific. In his words, he “just didn’t like her résumé.”

That moment really hit hard for me. As a Black woman, I’ve lived through enough election cycles to recognize how often uncertainty, misinformation, or political apathy keep people from voting, especially Black voters whose voices are historically left out of the conversation and whose health, economic security, and opportunities are directly impacted by the individual elected to office, and the legislative branches and political parties that push forth their agenda.

That conversation with the Lyft driver reflects a troubling surge in fear-driven politics across our country. We’ve seen White House executive orders gut federal programs meant to help our most vulnerable populations and policies that systematically exclude or harm Black and underserved communities.

One of the most dangerous developments we’re seeing now? Deep federal cuts are being proposed to Medicaid, the life-saving health insurance program that covers nearly 80 million lower-income individuals nationwide. That is approximately 15 million Californians and about 1 million of the state’s nearly 3 million Black Californians who are at risk of losing their healthcare.

Medicaid, called Medi-Cal in California, doesn’t just cover care. It protects individuals and families from medical debt, keeps rural hospitals open, creates jobs, and helps our communities thrive. Simply put; Medicaid is a lifeline for 1 in 5 Black Americans. For many, it’s the only thing standing between them and a medical emergency they can’t afford, especially with the skyrocketing costs of health care. The proposed cuts mean up to 7.2 million Black Americans could lose their healthcare coverage, making it harder for them to receive timely, life-saving care. Cuts to Medicaid would also result in fewer prenatal visits, delayed cancer screenings, unfilled prescriptions, and closures of community clinics. When healthcare is inaccessible or unaffordable, it doesn’t just harm individuals, it weakens entire communities and widens inequities.

The reality is Black Americans already face disproportionately higher rates of poorer health outcomes. Our life expectancy is nearly five years shorter in comparison to White Americans. Black pregnant people are 3.6 times more likely to die during pregnancy or postpartum than their white counterparts.

These policies don’t happen in a vacuum. They are determined by who holds power and who shows up to vote. Showing up amplifies our voices. Taking action and exercising our right to vote is how we express our power.

I urge you to start today. Call your representatives, on both sides of the aisle, and demand they protect Medicaid (Medi-Cal), the Affordable Care Act (Covered CA), and access to food assistance programs, maternal health resources, mental health services, and protect our basic freedoms and human rights. Stay informed, talk to your neighbors and register to vote.

About the Author

Rhonda M. Smith is the Executive Director of the California Black Health Network, a statewide nonprofit dedicated to advancing health equity for all Black Californians.

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