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TABLE 5-1 Core Treatment Variables

Rental Only

Rental and Sales

Sales Only

Terms and Conditions

Housing Availability

Financing Assistance

• Application fee required

• Access denied: no appointment or no unit available

• Assistance with financing volunteered

• Special rental incentives offered

• Advertised unit available

• Auditor told he/she is not qualified

• Rent includes extra amenities

• Units similar to advertised unit available

• Auditor told fixed-rate conventional financing available


• Auditor told adjustable-rate conventional financing available

Sales Effort

Sales Effort

• Questions asked about income

• Questions asked about reasons for need to move

• Invitation to call back

• Follow-up phone call

NOTE: This is not an exhaustive list of core treatment variables in the 2000 HDS. SOURCE: The variables in the table are those collected in both the 1989 HDS audit and the 2000 HDS audit.

model. When looking at population data rather than experimental data, researchers are interested in observing the frequency of adverse treatment for minorities in the housing market. The researchers proxy this quantity with a Bernoulli variable, Y it , that measures adverse treatment for minority and white auditors for auditor race i and test t :

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The race-specific average of Y it gives the proportion of tests, for each race, in which auditors were treated favorably.

The gross measure of discrimination is the proportion of tests in which the minority auditor was treated unfavorably and the white auditor was treated favorably, P10. The net measure of discrimination is the difference

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