Neighborhood Redlining and Homeownership Lesson
The lesson focuses on the practice of redlining residential neighborhoods for the purpose of determining access to residential mortgages. Students evaluate data on home values for four different neighborhood types to determine how the grading system used by the Home Owners’ Loan Corporation (HOLC) influenced the value of real estate assets. Through a guided discussion and review of data, students learn how the practice of racial segregation concentrated African Americans in the lowest-graded, or redlined, neighborhoods. Because of this segregation, home-ownership rates among African Americans are currently the lowest among all racial and ethnic groups. As an assessment, students use various data series in FRED® to compare the value of homes owned by different racial groups.
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