The Black-White homeownership gap—the difference between White and Black homeownership rates—is wider in the U.S. today than it was in the 1960s, when it was legal to refuse to sell a home to someone because of their race. Overall, the gap between White homeownership and all minorities has exceeded 20 percentage points for more than two decades.
The 2025 edition of Construction Coverage’s Cities With the Largest Minority Homeownership Gap report examines where in the U.S. this gap continues to be most pronounced.
Key Takeaways, With Data for New York State
- Differences by Race and Ethnicity: Among the nation’s largest minority groups, Asian and Pacific Islander households have the highest homeownership rate (63.3%), while Hispanic (51.0%) and Black (45.0%) Americans have the lowest. Meanwhile, White homeownership stands at 73.2%.
- Minority Homeownership in New York State: 36.5% of minority households in New York State own their homes, compared to 66.7% of White households. This represents a gap of 30.2 percentage points—the 2nd largest in the nation.
The full report covers the nation’s 100 largest metro areas and all 50 states, with a detailed breakdown of minority and White homeownership rates, median property values, and minority homeownership gaps in each area.