Consumer Unit Characteristics: Percent Homeowner with Mortgage by Number of Earners: Consumer Units of Two or More People, Three or More Earners

A consumer unit comprises either: (1) all members of a particular household who are related by blood, marriage, adoption, or other legal arrangements; (2) a person living alone or sharing a household with others or living as a roomer in a private home or lodging house or in permanent living quarters in a hotel or motel, but who is financially independent; or (3) two or more persons living together who use their income to make joint expenditure decisions. Financial independence is determined by the three major expense categories: Housing, food, and other living expenses. To be considered financially independent, at least two of the three major expense categories have to be provided entirely, or in part, by the respondent. For more details about the data or the survey, visit the FAQs (https://www.bls.gov/cex/csxfaqs.htm).