Most African-American public housing residents continue to live in disproportionately minority neighborhoods, while white public housing residents usually live in predominantly white neigborhoods. These communities tend to be further differentiated by income, as a majority of African-American public housing residents live in poverty-concentrated neighborhoods, while their white counterparts live in more affluent areas. See, HUD, The Location and Racial Composition of Public Housing in the United States (December 1994, 91 p.)

Subprime loans are three times more likely in low income neighborhoods than in high-income neighborhoods.  Subprime loans are five times more likely in black neighborhoods than in white neighborhoods. Homeowners in high-income black areas are twice as likely as homeowners in low-income white areas to have subprime loans. See, HUD, Unequal Burden: Income and Racial Disparities in Subprime Lending in America (April 2000, 15 p.)

Fact is, earnings gaps persist at all levels of education. According to Census data, whites with high school diplomas, college degrees or Master's Degrees all earn approximately twenty percent more than their black counterparts. Even more striking, whites with professional degrees (such as medicine or law) earn, on average, thirty-one percent more than similar blacks and fifty-two percent more than similar Latinos.

Even when levels of work experience are the same between blacks and whites, the racial wage gap remains between 10-20 percent.

Looking at whites and blacks of similar age, doing the same work, earnings gaps remain significant. Among 25-34 year olds, white lawyers, computer programmers, and carpenters earn, on average, about one-fourth more than comparable blacks; white doctors and accountants earn, on average, one-third more than comparable blacks; and even white janitors earn sixteen percent more, on average, than comparable blacks.