Keith Wiley of HAC presents demographic data on rural seniors and veterans and their housing. Presentation from the Housing Assistance Councils symposium "Housing Seniors & Veterans in Rural America: Preservation, Development and Services" in Council Bluffs, IA on August 28-29, 2013

1. A DEMOGRAPHIC SNAPSHOT OF RURAL SENIORS AND THEIR HOMES
Housing Assistance Council
AGING IN
RURAL
AMERICA
0
10,000,000
20,000,000
30,000,000
40,000,000
50,000,000
60,000,000
70,000,000
80,000,000
90,000,000
100,000,000
1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 2000 2010 2020 2030 2040 2050
Population Age 65 and Over
Housing Seniors and Veterans in Rural America: Preservation,
Development and Services Conference
August 2013 Council Bluffs, Iowa

2. RURALSENIORSANDTHEIRHOMES
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 2000 2010 2020 2030 2040 2050
Percent Age 65 and Over
U.S. Senior Population 1900 – 2050*
THE WAVE IS COMING
U.S. Census Bureau, U.S. Department of Commerce. Projections of the Population by Age and Sex for the United States: 2010 to 2050.
*population projection

3. RURALSENIORSANDTHEIRHOMES
0
10,000,000
20,000,000
30,000,000
40,000,000
50,000,000
60,000,000
70,000,000
80,000,000
90,000,000
100,000,000
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 2000 2010 2020 2030 2040 2050
Percent Age 65 and OverU.S. Senior Population 1900 – 2050*
THE WAVE IS COMING
U.S. Census Bureau, U.S. Department of Commerce. Projections of the Population by Age and Sex for the United States: 2010 to 2050.
*population projection

4. 4
Rural & Small Town Tracts
RURALSENIORSANDTHEIRHOMES

5. THE DEMOGRAPHICS OF AGING IN RURAL AMERICA

6. 37
40
35.5
36
36.5
37
37.5
38
38.5
39
39.5
40
40.5
U.S. Rural & Small Town
Median Age
Median Age by Location, 2010
6
RURALSENIORSANDTHEIRHOMES
RURAL AMERICA IS OLDER THAN THE NATION AS A WHOLE
HAC Tabulations of U.S. Census Bureau 2010 Census of Population and Housing.

7. 7
RURALSENIORSANDTHEIRHOMES

8. 13.0%
15.7%
12.9%
11.5%
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%
18.0%
U.S. Rural & Small Town Suburban & Exurban Urban
Percent of the Population
Population Age 65 or Over, 2010
8
RURALSENIORSANDTHEIRHOMES
HAC Tabulations of U.S. Census Bureau 2010 Census of Population and Housing.
SENIORS ARE ALSO MORE PREVELANT IN RURAL AREAS

9. 9
Rural and
Small Town,
21.0%
Suburban
and Exurban,
48.0%
Urban, 30.9%
Total Population by Residence, 2010
Rural and
Small Town,
25.1%
Suburban
and Exurban,
47.4%
Urban, 27.4%
Senior Population by Residence, 2010
RURALSENIORSANDTHEIRHOMES
OVER ONE‐QUARTER OF SENIORS LIVE IN RURAL AMERICA

10. 10
RURALSENIORSANDTHEIRHOMES

11. 11
RURALSENIORSANDTHEIRHOMES

12. 12
RURALSENIORSANDTHEIRHOMES

13. 0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
U.S. Rural & Small Town
Age of Senior Population, 2010
age 85 and over
age 75‐84
age 65‐74
age 60‐64 (near senior)
13
RURALSENIORSANDTHEIRHOMES
SENIORS ARE NOT A MONOLITHIC GROUP
HAC Tabulations of U.S. Census Bureau 2010 Census of Population and Housing.

14. RURALSENIORSANDTHEIRHOUSING
0
10,000,000
20,000,000
30,000,000
40,000,000
50,000,000
60,000,000
70,000,000
80,000,000
90,000,000
100,000,000
1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 2000 2010 2020 2030 2040 2050
Population
Senior Population by Age Group, 1900 – 2050*
64 to 74 75 to 84 85 plus
AND LIFE EXPECTANCIES WILL CONTINUE TO INCREASE
U.S. Census Bureau, U.S. Department of Commerce. Projections of the Population by Age and Sex for the United States: 2010 to 2050.
*population projection

15. 15
RURALSENIORSANDTHEIRHOMES
5 4 3 2 1 0 1 2 3 4 5
Under 5
5 to 9
10 to 14
15 to 19
20 to 24
25 to 29
30 to 34
35 to 39
40 to 44
45 to 49
50 to 54
55 to 59
60 to 64
65 to 69
70 to 74
75 to 79
80 to 84
85 Plus
Percent
Age Category Rural & Small Town Population by Age and Gender, 2010
Percent Female Percent Male

16. 16
RURALSENIORSANDTHEIRHOMES
5 4 3 2 1 0 1 2 3 4 5
Under 5
5 to 9
10 to 14
15 to 19
20 to 24
25 to 29
30 to 34
35 to 39
40 to 44
45 to 49
50 to 54
55 to 59
60 to 64
65 to 69
70 to 74
75 to 79
80 to 84
85 Plus
Percent
Age Category Rural & Small Town Population by Age and Gender, 2010
Percent Female Percent Male
HAC Tabulations of U.S. Census Bureau 2010 Census of Population and Housing.

17. 17
RURALSENIORSANDTHEIRHOMES
5 4 3 2 1 0 1 2 3 4 5
Under 5
5 to 9
10 to 14
15 to 19
20 to 24
25 to 29
30 to 34
35 to 39
40 to 44
45 to 49
50 to 54
55 to 59
60 to 64
65 to 69
70 to 74
75 to 79
80 to 84
85 Plus
Percent
Age Category Rural & Small Town Population by Age and Gender, 2010
Percent Female Percent Male
HAC Tabulations of U.S. Census Bureau 2010 Census of Population and Housing.

18. 18
RURALSENIORSANDTHEIRHOMES
5 4 3 2 1 0 1 2 3 4 5
Under 5
5 to 9
10 to 14
15 to 19
20 to 24
25 to 29
30 to 34
35 to 39
40 to 44
45 to 49
50 to 54
55 to 59
60 to 64
65 to 69
70 to 74
75 to 79
80 to 84
85 Plus
Percent
Age Category Rural & Small Town Population by Age and Gender, 2010
Percent Female Percent Male
HAC Tabulations of U.S. Census Bureau 2010 Census of Population and Housing.

19. 19
RURALSENIORSANDTHEIRHOMES
Produced by the Housing Assistance Council
Washington, DC
Source: HAC Tabulations of Census Bureau Data
Population Loss 1980-2010
Legend
Population Loss
1980-2010
states

20. United States, Population Age 65
and Over
White not Hispanic,
80.7%
Minority, 19.3%
Race & Ethnicity, 2010
Rural & Small Town, Population
Age 65 and Over
White not
Hispanic, 89.0%
Minority, 11.0%
Race & Ethnicity, 2010
RACE&
ETHNICITY
20
RURALSENIORSANDTHEIRHOMES
RURAL SENIORS ARE NOT AS RACIALLY DIVERSE AS THEIR URBAN &
SUBURBAN COUNTERPARTS

21. 21
RURALSENIORSANDTHEIRHOMES
Produced by the Housing Assistance Council
Washington, DC
Source: HAC Tabulations of 2005-2009 Ameican
Community Survey
Minority Population Age 65 and Over, 2010
Legend
Elderly African American >33.3%
Elderly Asian > 33.3%
Elderly Hispanic > 33.3%
Elderly Native American > 33.3%
states

22. Senior Veterans in Census Defined Rural Areas
*HAC Tabulation of ACS 2007‐11 Five‐Year Estimates
24.0%
28.7%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
35.0%
Percent Total Population Percent Veteran Population
Census Defined Rural Populatoin
Disproportionate Share of Veterans
Live in Census Defined Rural Areas*
6.2%
25.7%
27.8%
40.4%
Many Census Defined Rural Veterans
are Seniors*
Ages 18 to 34
Ages 35 to 54
Ages 55 to 64
Ages 65 Plus

23. Senior Veterans and Baby Boomers
7,650,468
8,031,169
2,572,136 1,769,801
0
2,000,000
4,000,000
6,000,000
8,000,000
10,000,000
12,000,000
Seniors (Age 65 and Older) Near Seniors (Ages 55 to 64)
Census Defined Rural Population*
Census Defined Rural Population Totals

24. Veterans and Disabilities
16.3%
27.3%
36.8%
39.6%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45%
Total Population
Veterans
Seniors
Senior Veterans
Census Defined Rural Populations Living With A Disability*
*HAC Tabulation of ACS 2009‐11 Three‐Year Estimate

25. SELECTED ECONOMIC CHARACTERISTICS
Photo courtesy of FAHE

26. $51,914
$36,064
$28,297
$0
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
U.S. U.S. Seniors Rural & Small Town Seniors
Median Income
Median Income by Senior Status and Residence, 2009
26
RURALSENIORSANDTHEIRHOMES
MANY SENIORS HAVE VERY LOW INCOMES
HAC Tabulations of U.S. Census Bureau 2006‐2010 American Community Survey.

27. 27
0
5
10
15
20
25
30
35
1966
1967
1968
1969
1970
1971
1972
1973
1974
1975
1976
1977
1978
1979
1980
1981
1982
1983
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
Percent in Poverty
Poverty By Age, 1966‐2010
Poverty Rate, All Ages Poverty Rate, Age 65 and Over
RURALSENIORSANDTHEIRHOMES
SIGNIFICANT GAINS HAVE BEEN MADE TO REDUCE POVERTY AMONG
SENIORS
HAC Tabulations of U.S. Census Bureau 2006‐2010 American Community Survey.

28. 9.8%
11.4%
7.2%
8.2%
11.8%
14.0%
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%
U.S. Rural & Small Town
Percent in Poverty
Senior Poverty By Residence & Gender, 2010
All Elderly Elderly Male Elderly Female
28
RURALSENIORSANDTHEIRHOMES
POVERTY RATES ARE STILL HIGHER AMONG RURAL SENIORS
HAC Tabulations of U.S. Census Bureau 2006‐2010 American Community Survey.

29. 29
RURALSENIORSANDTHEIRHOMES
Legend
Counties
Percent Senior Poverty
0.0 - 8.5
8.6 - 12.9
13.0 - 18.6
18.7 - 27.5
27.6 - 61.0
Poverty, Persons Age 65 and Over, 2010

30. SELECTED HOUSING AND HOUSEHOLD CHARACTERISTICS
Photo by Ann Olson

31. 31
Owner
Occupied
Housing
Renter
Occupied
Single
Family
Housing
Renter
Occupied
Multifamily
Housing
Housing
With
Services
Assisted
Living
Long Term
Care Facility
SENIOR HOUSING CONTINUUM
RURALSENIORSANDTHEIRHOMES
Less Dependent More Dependent
A HEALTHY RANGE OF HOUSING OPTIONS IS VITAL FOR SENIORS’
WELL BEING

32. 32
Owner
Occupied
Housing
Long
Term
Care
Facility
SENIOR HOUSING CONTINUUM
RURALSENIORSANDTHEIRHOMES
Less Dependent More Dependent
SENIOR HOUSING OPTIONS ARE LIMITED IN MANY RURAL
COMMUNITIES

33. 0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
U.S. Rural & Small Town
Percent Elderly Occupied Homes
Occupied Housing Units – Householder Age 65
or Older, 2010
Senior‐Occupied Homeowners Senior‐Occupied Renters
33
RURALSENIORSANDTHEIRHOMES
HAC Tabulations of U.S. Census Bureau 2006‐2010 American Community Survey.

34. HO
USI
NG
TE
NU
RE
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
U.S. U.S. Senior Rural & Small Town Senior
Elderly Occupied Housing Units
Housing Tenure, Householder Age 65 or Older, 2009
Renter Occupied
Owner‐Occupied
34
RURALSENIORSANDTHEIRHOMES
MOST RURAL SENIORS OWN THEIR HOMES
HAC Tabulations of U.S. Census Bureau 2006‐2010 American Community Survey.

35. HO
USI
NG
TE
NU
RE
35
RURALSENIORSANDTHEIRHOMES
0.0%
10.0%
20.0%
30.0%
40.0%
50.0%
60.0%
70.0%
80.0%
90.0%
15 to 34 35 to 44 45 to 54 55 to 59 60 to 64 65 to 74 75 +
Homeownership Rate
Age Group
Rural & Small Town Homeownership by Age and Mortgage Status, 2010
With a Mortgage Without a Mortgage
AS RURAL HOMEOWNERS AGE THEY HAVE LESS MORTGAGE DEBT
HAC Tabulations of U.S. Census Bureau 2006‐2010 American Community Survey.

36. 36
RURALSENIORSANDTHEIRHOMES
Manufactured Homes, 2010
Legend
Counties
Percent Manufactured Home
0.0 - 6.0
6.1 - 12.7
12.8 - 20.2
20.3 - 29.6
29.7 - 56.1
Manufactured Homes as a Percent of All Occupied Housing Units

37. 37
RURALSENIORSANDTHEIRHOMES

38. Two or More
Persons, 73.4%
One Person,
26.6%
Household Size, Rural & Small Town, 2009
Two or More
Persons, 55.4%
One Person,
44.6%
Household Size, Rural & Small Town, Householder Age
65 or Over, 2009
38
RURALSENIORSANDTHEIRHOMES
MANY RURAL SENIORS LIVE ALONE
HAC Tabulations of U.S. Census Bureau 2006‐2010 American Community Survey.

39. HOU
SING
AFF
ORD
ABILI
TY
FOR
OLD
ER
HO
MEO
WNE
RS
28.3%
60.0%
0.0%
10.0%
20.0%
30.0%
40.0%
50.0%
60.0%
70.0%
Owners Renters
Percent Cost Burdened
Housing Cost Burden, Householders Age 65 and Over by Tenure,
2010
39
RURALSENIORSANDTHEIRHOMES
HOUSING AFFORDABILITY IS AN INCREASNG PROBLEM FOR MANY
RURAL SENIORS
HAC Tabulations of U.S. Census Bureau 2006‐2010 American Community Survey.

40. Veteran Homelessness
• While overall numbers have decreased since
2009, still over 60,000 veterans were homeless in
recent 2012 Count*
• Approximately 27,000 of these homeless veterans
lived outside of a shelter*
• Veterans make up 13 percent of homeless
population but just 7 percent of total population*
*The 2012 Point‐in‐Time Estimates of Homelessness Assessment Report Volume 1. HUD. Found at following url:
https://www.onecpd.info/resources/documents/2012AHAR_PITestimates.pdf

41. VE
HIC
LE
AV
AIL
ABI
LIT
Y
8.9%
12.5%
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
All Households Senior Households
Percent of Households With No Vehicle
Households
No Vehicle Available, 2010
No Vehicle Available
41
RURALSENIORSANDTHEIRHOMES
TRANSPORATION IS A CHALLENGE IN MANY RURAL COMMUNITIES
HAC Tabulations of U.S. Census Bureau 2006‐2010 American Community Survey.

42. HAC
RURALSENIORSANDTHEIRHOMES

43. RURALSENIORSANDTHEIIRHOUSING

44. www.ruralhome.org
HAC