Table 2.

Relative risk (and 95% confidence intervals) for the multivariable associations between financial hardship and low (fair/poor) self-rated health^§

	Model 1	Model 2	Model 3	Model 4
Financial Hardship
No financial hardship	Reference
Financial hardship present	1.53*** (1.27, 1.84)	1.45*** (1.20, 1.74)	1.45*** (1.19, 1.77)	1.44*** (1.18, 1.75)
Demographics
Gender
Male		Reference
Female		1.32* (1.01, 1.72)	1.22 (.92, 1.63)	1.20 (.90, 1.60)
Race/Ethnicity
White		Reference
Black, non-Hispanic		.69 (.44, 1.08)	.73 (.47, 1.12)	.74 (.48, 1.14)
Hispanic		.93 (.60, 1.43)	.83 (.54, 1.28)	.85 (.55, 1.30)
Other		.80 (.49, 1.31)	.68 (.42, 1.12)	.69 (.42, 1.14)
Age
18-29		Reference
30-39		1.03 (.81, 1.33)	.81 (.62, 1.04)	.82 (.63, 1.06)
40-49		1.24 (.97, 1.60)	.97 (.72, 1.30)	.98 (.73, 1.31)
50-59		2.09*** (1.56, 2.83)	1.56* (1.10, 2.22)	1.58* (1.11, 2.24)
60 and older		2.68*** (1.82, 3.93)	1.86** (1.23, 2.82)	1.86** (1.23, 2.82)
Marital Status
Married/Living with Partner		Reference
Not Married		1.08 (.88, 1.34)	1.05 (.84, 1.30)	1.04 (.84, 1.30)
Socioeconomic Characteristics
Educational Attainment
< 8yrs			Reference
Some High School			1.24 (.89, 1.71)	1.24 (.90, 1.72)
High school graduate			.78 (.58, 1.04)	.77 (.57, 1.03)
Greater than High School			.65* (.50, .85)	.65* (.50, .85)
Employment Status
Employed			Reference
Unemployed			1.28* (1.02, 1.61)	1.29* (1.03, 1.61)
Poverty Status
Not in Poverty			Reference
In Poverty			1.17 (.94, 1.44)	1.16 (.94, 1.43)
Perceived stress				1.03 (.99, 1.08)

^§all models are fixed effects regression models that include dummy variables (n-1) for each housing site.

^*p <.05

^**p<.01

^***p<.001

Model 1: simple model including only financial hardship

Model 2: adjusting for demographic characteristics

Model 3: adjusting for demographic and socioeconomic characteristics

Model 4: adjusting for demographics, socioeconomic characteristics, and perceived stress