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Blacks pay higher security deposits, more application fees

Renters of color pay security deposits more often than white renters, and the deposits they pay are typically $150 higher.
Black and Latinx renters report submitting more applications than white and Asian American and Pacific Islander renters. The typical white or Asian American and Pacific Islander renter submits two applications, while the typical Black or Latinx renter submits three.

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Renters of color pay higher security deposits, more application fees

Results from Zillow’s Consumer Housing Trends Report show renters of color typically submit more applications — and pay more in application fees — before they secure a place to live than white renters do. Renters of color also typically pay a higher security deposit when they move in.

The U.S. rental market is as competitive as it’s been in decades, with the national vacancy rate lower than at any time since 1984.ii Rent prices have skyrocketed, up a record 17% in just the past year, prompting some priced-out renters to look for a more affordable home when their lease expires. About 9 in 10 renters paid a security deposit last year, with the typical deposit coming in at $700. A higher share of renters of color paid a deposit (93%) than white renters (85%), and the median amount paid by renters of color was higher, too — $750, compared to $600.

“Rents grew more last year than any year on record, forcing many renters to look for a more affordable option. About 2 in 5 renters who moved in the past year said a rent hike influenced their decision to move,” said Manny Garcia, population scientist at Zillow. “Renters typically do not have much of a financial cushion, and the cost of finding a new place to live can be an expensive burden. Regrettably, renters of color are especially likely to experience rising rents, and when they shop for a new rental, generally report higher upfront costs, restricting the mobility that is often held up as a benefit of renting.” 

A $750 security deposit represents a significant amount of a typical renter’s wealth. Zillow’s research indicates a typical renter holds $3,400 total across savings, checking, retirement and investment accounts. More than one-third (38%) of renters surveyed say they couldn’t cover an unexpected expense of $1,000.

In addition to facing higher and more frequent security deposits, renters of color report submitting more applications and paying higher fees for those applications than white renters. In 2021, 61% of all renters applied for two or more properties — an 11-point increase from 2019 and five points higher than in 2020, likely owing to the tight rental market. The typical white or Asian American and Pacific Islander renter submits two applications, while a Black or Latinx renter typically submits three. More than one-third of renters of color submit five or more applications during their home search: that’s true of 38% of Black and Latinx renters, 33% of Asian American and Pacific Islander renters, and only 21% of white renters.

With a median rental application fee of $50, the cost can add up quickly if renters need to apply for several properties. The burden is often greater for renters of color, who report paying a higher median application fee than white renters, on top of usually needing to apply to more rentals. Among renters who paid an application fee for the home they rent, the typical white renter reports paying $50, while a typical Black renter paid $65, a typical Latinx renter paid $80 and a typical Asian American and Pacific Islander renter paid $100.

The higher fees and number of applications for renters of color are likely partially attributable to their age, income and geography. The typical renter of color is two years younger than the median white renter, meaning two fewer years of potential income growth. White renters are also more likely to rent in rural markets and the Midwest, both of which are generally less expensive. Asian American and Pacific Islander and Latinx renters, in particular, are more likely to rent in the West, which includes many of the country’s most expensive and competitive rental markets.

Expanding access to credit could help improve outcomes for Black and Latinx renters. Nearly half of white renters (46%) say they were completely certain they would qualify for a rental, compared to 38% of Latinx renters and 34% of Black renters. Credit checks are part of many rental applications, and Black and Latinx adults are more prone to being credit invisible and more often live in counties with higher levels of credit insecurity.

Renters looking to reign in application fees may have options. For a flat $29 fee, renters can use Zillow’s online rental application to apply through Zillow for an unlimited number of participating properties within 30 days. The online application includes a credit report and background check, which saves landlords time while screening prospective tenants and provides them with the information needed to feel confident about each applicant. Renters can also offer additional context and explain any negative items on their rental and credit history.

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Stork’s Nest Community Conversations

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Zeta Phi Beta Sorority, Incorporated, Alpha Pi Zeta Chapter launches its Stork’s Nest Community Conversations program, with its first event on Feb. 18 at St. Philip’s College from 10 am to noon.  

Stork’s Nest Community Conversations will bring expectant mothers, their support groups, health and medical care experts, advocates, and government leaders together. Its purpose is to educate and engage on pregnancy and women’s health topics.  

March of Dimes 2022 Report Card depicts the need for collaborative work and innovative ideas to improve Texas preterm births. Texas’ preterm birth rate is 11.4% (D-). Bexar County and San Antonio’s preterm birth rates are 12.0% (F). The preterm birth rate among Black women in Texas is 41% –  higher than among other women. 

The Alpha Pi Zeta Chapter will host four Community Conversations throughout the year. On May 20, the topic is Learn How Legislation Affects You: Meet the Medical and Government Experts. On Aug. 19, the topic is Postpartum Education: What to Expect When You and Your Baby Come Home. And on Nov. 18, there will be a health fair, and a conversation on You are in Control: Health and Finances. 

The sorority’s Stork’s Nest 3.0 e-Learning Course also educates pregnant women to help improve birth outcomes and develop healthy lifestyles. Since 2021, the Stork’s Nest 3.0 e-Learning Course has enrolled 108 clients and has averaged an 86% graduation rate. The sorority partners with the Alpha Pi Zeta Foundation, the March of Dimes, the City of San Antonio Metropolitan Health District, African American Health Disparities Council.

The Feb. 18 Stork’s Nest Community Conversations will be in the Turbon Student Center on the 2nd floor of St. Philip’s (1801 Martin Luther King Drive). To learn more about future Community Conversations, just put Stork’s Nest Community Conversations in the search bar of Eventbrite.

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Black History Events – Safe Spots for Black Motorists to IKEA Exhibit

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Black history is American history 365 days a year, and here are some events in February from the San Antonio African American Community Archive and Museum (SAAACAM) to learn about African American influences and achievements. Located at La Villita (218 South Presa), the mission of SAAACAM is to collect, preserve and share the cultural heritage of African Americans in the San Antonio region. 

Feb. 7 from 10  am – 11 am – Story Time in the Park at the Hemisfair (434 S. Alamo Street). Each month young explorers learn and play around the theme of being different while being included. A short story is shared followed by a hands-on learning activity. 

Feb. 11 from 1 pm – 3 pm  – Black History River Tour (218 South Presa). Join SAAACAM on the San Antonio River for a 100-minute cruise exploring San Antonio’s Black history and the holiday lights that adorn the Riverwalk. The trip starts at La Villita, where it travels north through the Museum Reach to the Pearl, then back downtown to the Alamo, Convention Center and back to La Villita. Participants will be surprised at the continued African American influence in San Antonio.

Feb. 13 from 8 am – 10 am – Black Resistance at the Lunch Counter (IKEA Live Oak, Live Oak). SAAACAM and IKEA Live Oak celebrate the opening of the new exhibition at IKEA Live Oak “Black Resistance at the Lunch Counter,” with a complimentary breakfast. The exhibit will be available to the public for viewing from Feb. 13 through March 16. 

Feb. 22 from 2 pm – 4 pm – Green Book Historic Marker Unveiling (218 South Presa). View the locations of San Antonio’s Safe Spots for Negro Motorists during the Jim Crow era researched by students of the Texas A & M University-San Antonio, Methods of Historical Research Class (2022) led by Dr. Pamela Walker. This is a free event, but registration is required.

For more information about the different events and how to participate, visit (SAAACAM.org).

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People of Color Increasing Pet Ownership

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By Melissa Monroe

I have a confession to make. When my son was 5 years old, I lied and told him our beloved dog, Simba, ran away. You see, Simba, a beautiful white spitz mix breed, wasn’t the fun-loving character like on Lion King. Instead, he was the vicious growling Cujo. 

Simba wanted to go everywhere with us when my daughter was born (when my son was 5). He was loving to the family, but no one could pet him. I mean, NO ONE! We would have to put him in a bedroom when someone wanted to visit. After 10 years, I had to make the hard decision to give him to San Antonio Animal Care Services

After that experience, I was traumatized from owning another pet but finally gave in when my two kids wanted a toy poodle. Mojo now is much different, though he has issues too. He does allow people to at least touch him. So why this long intro? Because, like many people of color, I didn’t want to be stereotyped as not being a good pet owner since I’m not white. In fact, Mojo gets his “hair done” more than I do. I even had pet insurance for him at one point. 

Pet owners like myself are fueling the billion-dollar pet industry. According to consumer market research company, Package Facts, the U.S. pet industry continued its strong advance in 2021, surging 14% overall to $123 billion. The company also reported that pets now live in 67 million U.S. households, and multicultural pet owners are a key reason. 

Hispanics, Asians, and African Americans are an influential and growing segment among owners of dogs, cats, and other pets. Compared to a decade ago, pet owners are now more likely to be a member of a multicultural population segment (28% in 2018 vs. 22% in 2008).

Another reason why I enjoy being a pet owner is because of the love pets show you. Mojo is the first to greet me at the door when I get home and never talks back to me (smile). A large majority of pet owners believe their pets have a beneficial impact on their emotional and physical health. 

We see evidence of that with the increasing demand for service dogs to help ease people with PTSD, autism, seizures, diabetes, and much more. Training for these working dogs can range in the tens of thousands of dollars, and many fail to become top-notch service animals. 

Atlas Assistance Dogs, an organization that trains people to be qualified dog trainers, estimates that there are 16,766 assistance dogs in the North America Region. But this number considers service dogs trained by ADI-accredited organizations. It doesn’t consider service dogs trained by their disabled owners. Atlas says it’s difficult to establish an exact number of service dogs in America. For example, ShareAmerica.com estimates about 500,000 service dogs in the US. 

Service dogs also have legal protection from discrimination. The U.S. Fair Housing Act requires homeowners and housing providers to provide reasonable accommodation for service dogs and not to discriminate. Under the Air Carrier Access Act (ACAA), airline operators in the US are required to accept service dogs as passengers and transport them on flights to, within, and from the United States. The Americans with Disabilities Act (ADA) gives service dogs the right to access public areas and facilities. Operators of public facilities are required to admit them and their handlers without discriminating.

Pet ownership is also great for physical fitness. Researchers analyzed 29 studies published between 1990 and 2010, primarily in the United States and Australia. On average, 60% of dog owners walked 160 minutes per week and four times per week, a greater amount and frequency than people in dog-less households.

So while I miss Simba and think about everything I did to help him – expensive dog training and even having a psychic check him out – YES, I did that too; I’m grateful for the time I had with him and for knowing I did what I could to help him. Sharing a home with a pet is not cheap, but many benefits can be gained. 

Here are some more stats about multicultural pet owners 

  • Hispanics have become an especially significant part of the population of pet owners. The number of Latinos owning pets increased 44% from 15 million in 2008 to 22 million in 2018, a growth rate vastly greater than that experienced among non-Hispanic white pet owners.
  • Although a much smaller population, Asian pet owners grew at the same rate (45%) between 2008 and 2018.
  • During the same period, the number of African American pet owners also increased at a healthy rate (24%).
  • The impact of Latinos on dog or cat ownership has been especially pronounced. Over the past decade, the number of Hispanic dog owners increased by 59%. The number of Latino cat owners likewise increased by 50%.
  • The two most popular pets, dogs and cats, live in 39% and 24% of U.S. households, respectively. One in eight homes has other pets — including fish, birds, reptiles, or small animals such as rabbits, hamsters, or gerbils.
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