{"id":92074,"date":"2023-02-12T13:08:56","date_gmt":"2023-02-12T17:08:56","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=92074"},"modified":"2023-02-12T13:08:57","modified_gmt":"2023-02-12T17:08:57","slug":"black-homeowners-face-discrimination-in-appraisals","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/black-homeowners-face-discrimination-in-appraisals\/","title":{"rendered":"Why Black Homeowners Face Discrimination in Appraisals"},"content":{"rendered":"\n<p>Why do Black homeowners face discrimination in appraisals? Have you or someone you know experienced bias in the home appraisal process?<\/p>\n\n\n\n<p>Black Americans regularly receive lower home valuations and suffer a host of economic, social, and educational consequences as a result. To address the discrimination that Black homeowners face in home valuations, the first step is diversifying the appraisal industry, which is 97 percent white.<\/p>\n\n\n\n<p>Read on to learn more about why Black homeowners face discrimination in home appraisals in the U.S.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-black-homeowners-discrimination\">Black Homeowners &amp; Discrimination<\/h2>\n\n\n\n<p>The roots of racial bias in home appraisals are deep and long, tracing back to the legacy of slavery, <a href=\"https:\/\/www.shortform.com\/blog\/jim-crow-segregation-nasa\/\">Jim Crow segregation<\/a>, and federal government housing policies that targeted and prevented Black Americans from benefiting from programs that advantaged white Americans. In this article, we&#8217;ll explore the history of Black homeowners facing discrimination in appraisals and some of the proposed solutions to rectify the problem.<\/p>\n\n\n\n<p>In the summer of 2021, <a href=\"https:\/\/www.nytimes.com\/2022\/08\/18\/realestate\/housing-discrimination-maryland.html\" target=\"_blank\" rel=\"noreferrer noopener\">Black homeowners and Johns Hopkins University professors, Nathan Connolly and Shani Mott, sought an appraisal of their Baltimore home<\/a>, purchased four years earlier for $450,000. With home prices skyrocketing nationwide and a recent $40,000 investment in home renovations, the couple expected their home valuation to increase considerably. Instead, the appraisal company returned with a valuation of just $472,000\u2014and their mortgage lender subsequently denied them a refinance loan.\u00a0<\/p>\n\n\n\n<p>Suspecting racial bias, the couple \u201cwhitewashed\u201d their home, removing all evidence that a Black family lived there\u2014family photos, children\u2019s drawings of people with dark skin, literature by Black authors\u2014and had a white, male colleague stand in for them at a second appraisal. The new valuation: $750,000.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-are-the-consequences\">What Are the Consequences?<\/h3>\n\n\n\n<p>Black homeowners facing racial discrimination in U.S. home appraisals has been a deep-rooted, systemic problem with significant, negative economic, social, and educational implications for Black Americans. Among other things this bias:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.npr.org\/2017\/05\/03\/526655831\/a-forgotten-history-of-how-the-u-s-government-segregated-america\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Contributes to entrenched inequality<\/strong><\/a>, locking generations of Black Americans into <a href=\"https:\/\/www.shortform.com\/blog\/segregated-housing\/\">segregated neighborhoods<\/a> with limited resources and <a href=\"https:\/\/www.marketwatch.com\/story\/the-economic-consequences-are-real-officials-push-for-deeper-scrutiny-of-racial-bias-in-home-appraisal-process-11673626269\" target=\"_blank\" rel=\"noreferrer noopener\">decreasing their ability to procure homes and loans and provide their children with better opportunities<\/a>.\u00a0<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.brookings.edu\/essay\/homeownership-racial-segregation-and-policies-for-racial-wealth-equity\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Fuels the racial wealth gap<\/strong><\/a>.\u00a0<ul><li>Experts say <a href=\"http:\/\/www.brookings.edu\/essay\/homeownership-racial-segregation-and-policies-for-racial-wealth-equity\" target=\"_blank\" rel=\"noreferrer noopener\">homes in predominantly Black neighborhoods are generally valued at $48,000 less than those in majority white neighborhoods<\/a>, and that the ongoing devaluation of homes in majority Black neighborhoods amounts to $156 billion in lost equity.\u00a0<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/ternercenter.berkeley.edu\/research-and-policy\/reducing-bias-in-home-appraisals-the-roles-for-policy-and-technology\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Weakens neighborhood health<\/strong><\/a> by lowering property taxes, which decreases revenue for public schools, and lowering equity, which curbs homeowners\u2019 ability to borrow capital to fund new businesses and reinvest in their communities.\u00a0<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-problem-is-widespread-and-longstanding\">The Problem Is Widespread and Longstanding<\/h3>\n\n\n\n<p>In 2022, researchers examined 47 million appraisal reports, released publicly for the first time by the Biden administration. They identified a <a href=\"https:\/\/www.nytimes.com\/2022\/11\/02\/realestate\/racial-bias-home-appraisals.html#:~:text=In%202021%2C%20their%20report%20says,Asian%20and%20Pacific%20Islander%20descent.\" target=\"_blank\" rel=\"noreferrer noopener\">systemic, nationwide practice in the appraisal industry of awarding higher valuations to white-owned homes than homes owned by people of color<\/a>, and found that white homeowners\u2019 valuations increased at twice the rate of their counterparts of color. Their review of data on comparable homes, neighborhoods, amenities (grocery stores, banks, post offices, parks), and residents of the same socioeconomic status revealed that the only distinguishing factor between communities was racial composition.\u00a0<\/p>\n\n\n\n<p>Experts say <a href=\"https:\/\/www.npr.org\/2017\/05\/03\/526655831\/a-forgotten-history-of-how-the-u-s-government-segregated-america\" target=\"_blank\" rel=\"noreferrer noopener\">Black homeowners facing discrimination in appraisals is rooted in a long, deep history<\/a>, tracing back to the legacy of slavery, Jim Crow segregation, and federal housing policies that made it nearly impossible for Black citizens to reap the economic, social capital, and <a href=\"https:\/\/www.brookings.edu\/essay\/homeownership-racial-segregation-and-policies-for-racial-wealth-equity\/\" target=\"_blank\" rel=\"noreferrer noopener\">educational benefits<\/a> that come with homeownership in select American neighborhoods.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>In 1933, in response to a <a href=\"https:\/\/www.shortform.com\/blog\/housing-shortage\/\">housing shortage<\/a>, the U.S. government introduced a New Deal program that provided housing in new suburban communities to white, middle- and lower-class families only, and pushed Black and other Americans of color into urban housing projects.\u00a0<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>A year later, the government\u2019s newly established Federal Housing Authority (FHA) birthed \u201credlining,\u201d refusing to insure mortgages in and around African American neighborhoods, while also subsidizing mass-production of white-only subdivisions.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-looking-ahead\">Looking Ahead\u00a0<\/h3>\n\n\n\n<p>NYT: The Appraisal Foundation, which sets national standards for real estate valuation, <a href=\"https:\/\/www.nytimes.com\/2022\/11\/02\/realestate\/racial-bias-home-appraisals.html#:~:text=In%202021%2C%20their%20report%20says,Asian%20and%20Pacific%20Islander%20descent.\" target=\"_blank\" rel=\"noreferrer noopener\">declined to comment<\/a> on researchers\u2019 2022 findings of the systemic racial discrimination that Black homeowners face. But policy makers <a href=\"https:\/\/www.brookings.edu\/essay\/homeownership-racial-segregation-and-policies-for-racial-wealth-equity\/\" target=\"_blank\" rel=\"noreferrer noopener\">offer a host of recommendations to remediate the problem<\/a>, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Increase diversity in the appraisal profession<\/strong><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/ternercenter.berkeley.edu\/research-and-policy\/reducing-bias-in-home-appraisals-the-roles-for-policy-and-technology\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Create a system of checks and balances<\/strong><\/a> by spreading appraisal responsibility across several parties to prevent a single, potentially biased viewpoint from determining valuations<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Employ technology utilizing digital home data to conduct valuations<\/strong>, to reduce the risk of human bias in the process.\u00a0<\/li><\/ul>\n\n\n\n<p>In the meantime, Housing and Urban Development Secretary Marcia Fudge <a href=\"https:\/\/www.hud.gov\/press\/press_releases_media_advisories\/HUD_No_23_011#:~:text=Fudge%20announced%20that%20HUD%2C%20through,been%20skewed%20by%20racial%20bias.\" target=\"_blank\" rel=\"noreferrer noopener\">recently announced a new process<\/a> enabling people seeking FHA financing to review their appraisal if they believe their home was improperly assessed. And experts recommend that Black homeowners facing discrimination <a href=\"https:\/\/www.marketwatch.com\/story\/the-economic-consequences-are-real-officials-push-for-deeper-scrutiny-of-racial-bias-in-home-appraisal-process-11673626269\" target=\"_blank\" rel=\"noreferrer noopener\">continue to report it, share their stories, and keep an eye out for red flags in the appraisal process<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Why do Black homeowners face discrimination in appraisals? Have you or someone you know experienced bias in the home appraisal process? Black Americans regularly receive lower home valuations and suffer a host of economic, social, and educational consequences as a result. To address the discrimination that Black homeowners face in home valuations, the first step is diversifying the appraisal industry, which is 97 percent white. Read on to learn more about why Black homeowners face discrimination in home appraisals in the U.S.<\/p>\n","protected":false},"author":19,"featured_media":38232,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[39,24],"tags":[727],"class_list":["post-92074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-history","category-society","tag-articles","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Black Homeowners Face Discrimination in Appraisals - Shortform Books<\/title>\n<meta name=\"description\" content=\"Why do black homeowners face discrimination in appraisals? Learn about the roots of racial bias in home appraisals and potential remedies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.shortform.com\/blog\/black-homeowners-face-discrimination-in-appraisals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Black Homeowners Face Discrimination in Appraisals\" \/>\n<meta property=\"og:description\" content=\"Why do black homeowners face discrimination in appraisals? 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