1934 onward
Housing discriminationSupplement
FHA mortgage insurance supports segregated housing markets
United States; Black homebuyers and neighborhoods
Federal mortgage policy favored racially homogeneous neighborhoods and treated Black occupancy as a financial risk. These rules helped channel subsidized homeownership toward white households.
Dates preserve the source’s precision. This entry is part of a selected historical record; its qualifications and sources are retained below.
Context / qualification
Federal policy interacted with discrimination by lenders, developers and local governments.