Table 3. Descriptive Statistics.
| Variable | All Residents | Nongentrifying Tracts | Gentrifying Tracts | Nongentrifiable Tracts |
|---|---|---|---|---|
| Moved in one year | 10.1% | 9.0% | 12.2% | 10.3% |
| moved within city | 5.9% | 6.1% | 7.1% | 5.5% |
| moved out of city | 4.3% | 2.9% | 5.1% | 4.9% |
| moved to a lower-income tract (movers) | 21.0% | 16.7% | 17.5% | 24.3% |
| moved to a higher-income tract (movers) | 41.4% | 66.3% | 57.5% | 23.6% |
| Nongentrifying neighborhoods | 33.0% | |||
| Gentrifying neighborhoods | 13.2% | |||
| Nongentrifiable neighborhoods | 53.9% | |||
| Risk score | ||||
| missing | 9.2% | 13.6% | 10.9% | 6.2% |
| 290–579 | 27.1% | 38.8% | 27.1% | 19.9% |
| 580–649 | 17.7% | 20.7% | 17.9% | 15.7% |
| 650–749 | 23.2% | 17.5% | 24.1% | 26.5% |
| 750+ | 22.8% | 9.4% | 20.1% | 31.7% |
| Mean risk score (standard deviations) | 650.8 (112.0) | 604.6 (101.6) | 646.4 (109.3) | 677.9 (109.6) |
| Age | ||||
| 18–24 | 8.6% | 10.0% | 9.0% | 7.7% |
| 25–34 | 21.4% | 20.8% | 25.2% | 20.9% |
| 35–44 | 18.9% | 19.5% | 19.4% | 18.4% |
| 45–54 | 18.8% | 19.5% | 17.3% | 18.8% |
| 55–64 | 14.9% | 14.5% | 13.3% | 15.5% |
| ≥65 | 17.4% | 15.8% | 15.8% | 18.8% |
| Household size (those with credit info) | ||||
| 1 | 19.0% | 19.4% | 24.7% | 17.3% |
| 2 | 28.0% | 25.1% | 27.8% | 29.9% |
| 3 | 23.4% | 23.0% | 20.7% | 24.2% |
| 4 | 14.9% | 15.6% | 12.8% | 14.9% |
| 5+ | 14.8% | 16.9% | 14.0% | 13.7% |
| Having 1+ mortgages (whole household) | 32.1% | 19.2% | 22.6% | 42.4% |
| Having 1+ 90+day delinquent accounts (whole household) | 20.6% | 27.0% | 19.6% | 17.0% |
| Length in the tract | ||||
| Less than 2 years in the tract | 11.8% | 11.1% | 15.2% | 11.5% |
| 2–4 years in the tract | 15.5% | 15.5% | 17.6% | 14.9% |
| 5+ years in the tract | 72.7% | 73.5% | 67.2% | 73.6% |
| Distance to City Hall (miles) | 5.6 | 4.2 | 2.1 | 7.3 |
| Distance to the university (miles) | 4.2 | 2.5 | 1.7 | 5.9 |
| Person years (2002–2003; 2005–2013) | 550,261 | 181,453 | 72,454 | 296,354 |
Note: Authors' calculations using data from 2000 Census, 2009–2013 American Community Survey, and data from the FRBNY Consumer Credit Panel/Equifax. These figures are for the full set of pooled person-years and therefore can include the same individual more than once.