Improving Economic Self-Sufficiency: Current Status, Future Goals, and Intervention Strategies Project Counties: Genesee, Livingston, Monroe, Ontario, Orleans, Wayne and Yates Contractor: B.E.C.S., Inc. of Sayre Pennsylvania 1 Women’s Foundation of Genesee Valley Copyright © 2004 2 Summer, 2004 On behalf of the Board of Directors and the Alumnae Board I am pleased to present this comprehensive report, Improving Economic Self-Sufficiency: Current Status, Future Goals, and Intervention Strategies. At the Women's Foundation we know that women work both in the home and out of the home. We also know that women are an economic asset. We have always known -- at least anecdotally -- that a change in a woman's economic life determines her future. In 2003 we decided we needed the data. Our goal in undertaking this project was to determine the obstacles that keep women from becoming assets to the community. Our anecdotes were not only confirmed, the situation is far more precarious for women than we thought. When the Women's Foundation of Genesee Valley was created in 1994 the mission was to fund and advocate for programs that encourage economic growth and promote women's economic selfsufficiency. Working with Kathryn Bowen of B.E.C.S. Inc. we uncovered and analyzed the most recent census data for quantitative information. In addition Dr. Bowen's team conducted focus groups with service providers and interviewed numerous clients/recipients of agency services for qualitative information. The data, outcomes, and insights are all included. We encourage everyone to take the time to read this report. On behalf of the Board of Directors I want to first thank Dr. Jessie Drew-Cates who got this entire project off the ground with her preliminary work in 2001 and then served as the primary grant-writer to secure the funding for this project. In addition the Board recognizes the Research Team of the Women's Foundation of Genesee Valley for their overtime work on this project: Kathleen B. King, Ph.D. Chair Jessie Drew Cates, Ph.D. Kijana Crawford, Ed. D. Lt. Cynthia Herriott Sullivan Elizabeth Kellogg Walker, Ph.D. Anne Wilder J. Christine Wilson Beverly Hettig, staff The Board of Directors was able to undertake this project because of the generous support from The Daisy Marquis Jones Foundation, Eastman Kodak Company, Mary Mulligan Trust, Fred & Floy Willmott Foundation, and JPMorgan Chase. The printing of this document was made possible with the generous support of Xerox Corporation. The Women's Foundation offers this comprehensive report as a starting point for discussion, ideas, and long-term solutions for women and girls in our community. We invite you to join us in our work to Improve Lives by Funding Change. Rosemary C. Mitchell Executive Director 3 4 Improving Economic Self-Sufficiency: Current Status, Future Goals, and Intervention Strategies Project B.E.C.S., Inc. Women’s Foundation Kathryn A. Bowen Kathleen B. King, Ph.D. Tristi C. Nichols Jessie Drew Cates, Ph.D. Michelle Scott-Pierce Kijana Crawford, Ed.D. Denise Siegart Lt. Cynthia Herriott Sullivan Camille Tischler Elizabeth Kellogg Walker, Ph..D. Anne Wilder J. Christine Wilson Economic Self-Sufficiency (range of definitions) “Being able to take care of yourself and your family, you can pay the rent, you have a car for transportation, you have a job and you can pay your bills. You don’t need to depend on anyone for anything; you are off all assistance programs. You can pay for daycare for your children, you can buy groceries and you can pay for life necessities.”(Service Recipient) “Self-sufficiency is on a continuum, everyone wants to be self-sufficient, to have money to care for themselves; having food, decent housing, transportation, clothes and childcare. Being off public assistance should not necessarily be the goal, economic self-sufficiency is a process. The do-ityourself mentality only works when women are on the ball, many fall through the cracks.”(Service Provider) Please note that the photographs included in this report have been selected from a general database and do not depict actual participants. 5 TABLE OF CONTENTS CHAPTER 1: OVERVIEW 11 Summary of Quantitative Data 11 Summary of Qualitative Data 13 CHAPTER 2: METHODS 18 Research Design 18 Definition of Terms 18 Poverty 18 Welfare 19 Income Adequacy 20 Working Poor 23 Low Income Women 23 Sources of Quantitative Data 24 Sources of Qualitative Data 24 Sampling Criteria 25 Data Analysis 27 CHAPTER 3: RESULTS 30 Demography of Women in the Genesee Valley Region: Quantitative Data 31 31 Demographic Overview Gender Distribution 31 Age 31 Race/Ethnicity 34 Households and Families 35 Educational Attainment 37 Pregnancy by Age and Marital Status 40 Place of Residency 41 Economic Status Women 41 Working Women 41 6 Distribution of Income by Households 41 Distribution of Earnings by Gender for Individuals 44 Demographics of Poverty 46 Individuals 46 Households 49 Temporary Assistance 53 Beyond Poverty to Economic Self-Sufficiency 55 A Glimpse of How Poverty Affects Women: Qualitative Data 59 Description of Participants 59 Needs to Attain Economic Self-Sufficiency 60 Barriers to Economic Self-Sufficiency 62 Topics Most Commonly Identified 64 Economic Factors: Jobs, A Living Wage & Making Ends Meet 64 Housing 68 Transportation 68 Healthcare and Health Insurance 69 Job Training 69 Education 70 Self-Esteem 73 Cultural Barriers 74 Child-Care 74 Domestic Violence Shelter 75 Access to Services and Accessing Public Subsidies 75 Support, A Voice and Respect 78 Life Skills 80 Social Support 80 Cash 81 Definitions of Economic Self-Sufficiency 81 Summary of Barriers, Needs and Definitions of Economic Self-Sufficiency 83 7 REFERENCES 88 APPENDIX A: TABLES 93 APPENDIX B: SELF SUFFICIENCY STANDARD FOR 7 COUNTIES 124 APPENDIX C: SURVEY 129 LIST OF TABLES AND FIGURES Tables Table 3.1 Numbers and Percentages of Females by Age: By Town 32 Table 3.2 Numbers and Percentages of Females by Race/Ethnicity: By Town 34 Table 3.3 Numbers and Percentages of Households by Family Type: By Towns 35 Table 3.4 Numbers and Percentages of Female Heads of Households in Families by Children’s Age: By Town 36 Table 3.5 Numbers and Percentages of Female Heads of Households by Age: By Town 37 Table 3.6 Educational Attainment for Women 25 Years of Age and Older: By Town 38 Table 3.7 Educational Attainment for Females 25 Years of age and Older by Race/Ethnicity 39 Table 3.8 Number and Percentages of Live Births to Teenagers from 1997 to 2000 40 Table 3.9 Percentage of Women Working by County and Race/Ethnicity 41 Table 3.10 Median Income in Dollars by Selected Households 42 Table 3.11 Distribution of Annual Income <$20,000 and > $100,000 43 Table 3.12-1 Median Earnings for Men and Women, 16 years of age and older, in Dollars FULL-TIME, YEAR ROUND 44 Table 3.13 Traditional Female Employment (Annual Occupational Wages) 45 Table 3.14 Numbers of Women in Selected Jobs 46 Table 3.15 Numbers and Percentages of Females in Poverty by Age: By Town 47 Table 3.16 Numbers and Percentages of Children in Poverty by Age: By Town 48 Table 3.17 Numbers and Percentages of Females in Poverty by Race/Ethnicity 48 Table 3.18 Percentage of Women in the Population Compared to Women in Poverty/Ethnicity 49 8 Table 3.19 Percentages of Households At or Below the Federal Poverty Threshold 50 Table 3.20 Percentages of Families With and Without Children Under the Age of 18 At or Below the Federal Poverty Threshold 51 Table 3.21 Number of Recipients of Temporary Assistance 54 Table 3.22 Self-Sufficiency Standard for Monroe and Yates Counties Compared to Federal Poverty Thresholds 56 Table 3.23 Estimates of Percentages of Female Heads of Households Living At or Below the Self-Sufficiency Standard 58 Table 3.24 Median Household Incomes for Female Heads of Households Not in Families: By Town 59 Table 3.25 Budget Record of a Female Wayne County Senior 67 Table 3.26 Cross Comparison of Barriers, Definitions of ESS, Needs, and Supports Reported by Service Providers (N=81) and Service Recipients and Survey Respondents (N=130) 84 Figures Figure 2.1 Percentage of Income to Meet Basic Needs for a Family with One Parent, One Preschool-age Child and One School-age Child in Monroe County, NY 21 Figure 2.2 Comparison of Economic Benchmarks for Monroe County, NY 22 Figure 3.1 Percentages Female Population for Study Counties by Age 32 Figure 3.2 Female Population Trends (US Census Bureau, 2000) 33 Figure 3.3 Educational Attainment for African American, Hispanic and White Women in the Seven Counties 39 Figure 3.4 Percent Earnings of Women Compared to Men by Education 45 Figure 3.5 Numbers of All Households and FHH Living in Poverty 50 Figure 3.6 Distribution of Household Type Among Households in Poverty 51 9 Figure 3.7 Percentages of Female Heads of Households in Families Living in poverty With and Without Children under 18 Years of Age 52 Figure 3.8 Percent of Female Heads of Households in Families in Poverty of all Families in Poverty 52 Figure 3.9 Percentage of Female Heads of Households (in families) in Poverty who have Children under 18 Years of Age 53 Figure 3.10 Recipients of Temporary Assistance for the Year 2003 54 Figure 3.11 Percentage of Individuals Receiving Temporary Assistance from 2000 to 2003 55 Figure 3.12 Self-Sufficiency Standard for the Seven Study Counties for One Adult, One School-aged Child, and One Teenager 57 Figure 3.13 Percentage of Survey Respondents Identifying Each Need (N=93) 61 Figure 3.14 Needs Identified Most Frequently by Service Recipients 61 Figure 3.15 Frequency of Needs Cited Among Providers of Services 62 Figure 3.16 Frequencies of Barriers to ESS Identified by Service Recipients 63 Figure 3.17 Frequencies of Barriers to ESS Identified by Service Providers 63 Figure 3.19 Education Levels Reported by Survey Respondents (N=93) 71 10 Chapter 1 Overview T he purpose of this research study is to help the Women’s Foundation of Genesee Valley develop goals and intervention strategies that support women’s progress toward economic self-sufficiency (ESS). As well, results of the study will be used to strengthen the grant-making focus on programs and initiatives that have the highest likelihood of positively impacting the economic status of women. The study focuses on the seven counties served by the Women’s Foundation of Genesee Valley. These counties are part of what is defined as “Upstate New York” and include Genesee, Livingston, Monroe, Ontario, Orleans, Wayne, and Yates counties. The framework of this investigation centered upon answering the following questions: ♦ What does ESS mean for women living in the seven counties being studied? ♦ What are the various definitions of ESS for women in each area within our seven counties? ♦ What are the basic elements of women’s economic security and under what circumstances do women feel economically secure? ♦ What external factors contribute to women’s economic security? ♦ What assets do women bring to the economy of our community? ♦ What threatens women’s economic security? ♦ What prevents women from achieving ESS? ♦ What limits women’s understanding of ESS? Improving Economic Self-Sufficiency: Current Status, Future Goals, and Intervention Strategies Project, commissioned by the Women’s Foundation of Genesee Valley was initiated in January of 2003. Secondary data analysis of the U.S. Census 2000, New York State Department of Health Vital Statistics and the New York State Office of Temporary and Disability Assistance supplied the majority of quantitative, statistical information. This information provides an overview of women in terms of age, race and ethnicity, family composition, economic status, income, educational attainment, pregnancy, and residency. Qualitative inquiry methods also were used to increase knowledge and awareness related to life experiences of women struggling to achieve economic self-sufficiency. Summary of the Quantitative Data According to the U. S. Census 2000, there are 576, 906 females in the seven counties, representing 51.4% of all residents. There are 429, 541 households in this region, of which 131,045, or 30.5%, are headed by women. Of households headed by women, 51,665 or 12%, are headed by women in families, and 79,380, or 18.5% are headed by women not in 11 Overview Chapter 1 families. The majority of women heads of households in families have children under the age of 18 (32,972 or 63.8%). Across the seven counties, 11.4% of females are living at or below the Federal Poverty Threshold, compared to 9.3% of males. While 10% of all households are living at or below the poverty threshold, 25.9% of households headed by females in families, and 16.4% of households headed females not in families are living at or below the poverty threshold. Among female head of households (FHH) in families who are living in poverty, 93.1% have children under the age of 18. A total of 15% of children are living in poverty, ranging from 9.3% in Genesee County to 21.9% in Yates County. In the city of Rochester, 37.9% of children are living in poverty. The percentage of FHH living in poverty is disparate by race and ethnicity. Among white families in poverty, 54% are headed by women. Among African American families in poverty, 79% are headed by women. Among Hispanic families in poverty, 71% are headed by women. Among all other ethnic groups in poverty, 37% are headed by women. However, the percentages of female head of households with children under the age of 18 who are in poverty are fairly consistent across racial and ethnic groups. These percentages are 91% for white FHH, 95% for African American FHH, 93% for Hispanic FHH, and 77% for all other ethnic groups. These percentages are consistent with income data. The median annual income for FHH in families ranged from $20,022 in Yates County to $27,271 in Ontario County. The median annual income for FHH not in families ranged from $16,675 in Yates County to $22,796 in Monroe County. Among FHH not in families who are 65 years of age and older, the median annual incomes range from $12,839 in Wayne County to $16,237 in Monroe County. The higher median incomes in Monroe County are attributable to those living in the suburbs. Compared to all other groups median incomes of women living in the city of Rochester are the lowest for FHH in families and third lowest for FHH not in families. While 10.4% of individuals were living at or below the poverty threshold in 2003, 3.2% were receiving public Temporary Assistance in cash (formerly known as welfare) and between 4.8% (in Ontario County) and 9.8% (in Monroe County) were receiving food stamps. A total of 48,600 women (12%) have less than a high school education. Ontario County has the lowest (11.5%), and Orleans County has the highest (21.3%), percentage of women without a high school diploma. A total of 97,891 women (25.4%) earned a 4 year college degree or higher. Examining ESS in terms of federally defined poverty thresholds takes into account only one level of economic insufficiency. Federal Poverty Guidelines’ main purpose is to 12 Overview Chapter 1 establish eligibility for public (and often private) assistance. By definition income at these levels is not enough to adequately meet basic needs. To fully understand ESS, women’s economic status must be examined relative to a level of income necessary for a given family to meet their basic needs, that is, independent of Temporary Assistance for Needy Families and/or other public or private subsides. The Self-Sufficiency Standard (SSS), developed by the Family Economic Self-Sufficiency Project of Wider Opportunities for Women1 is one means of estimating income adequacy. The SSS is based on the proportion of income spent in seven categories of needs: housing, childcare, food, health care, transportation, taxes, and miscellaneous expenses. This standard is unique in that it takes into account geographical differences in cost of living, as well as differences among families of varying composition. For example, the SSS for a household with one adult, one school aged child, and one teenager ranges from an annual income of $19,716 in Yates County to $24,288 in Monroe County. The estimated percentage of a FHH with two children between the ages of 6 and 17 living between the federal poverty threshold and the SSS for ranges from 20.1% in Monroe County to 29.1% in Yates County. Over 60% of FHH in Yates County and in the city of Rochester are estimated to be living at or below the SSS. In the other counties, with the exception of Monroe County excluding Rochester, close to 50% of FHH in families are living at or below the SSS. Summary of the Qualitative Data Qualitative data were collected from participants in three groups. They were 81service providers, 34 women receiving services, and 93 lower income women who completed a survey in the general community. The second two groups will be referred to as service recipients. Separate focus groups were held with service providers and women receiving services. Direct contact with a cross section of women in need of assistance as well as individuals implementing programs and providing services provided insight into the life experiences of women besieged by poverty, stigmatization, discrimination, inadequate education and few supports. These interactions lead to a greater understanding of how economic self-sufficiency is defined, the barriers or threats to economic security among women, as well as supports and services that help to move them toward economic self-sufficiency. Focus group data identified many women who had no employment or were working at minimum wage paying jobs, often part time with no benefits. These women were unable to afford basic needs and economic self-sufficiency was an elusive goal. “I’m on the edge of going to work at Burger King, I feel like the little bit of money will help me go farther, so it will make you feel like you are doing something. Right now I can’t afford a pair of socks for my daughter, this makes me feel very bad. I ain’t lookin’ forward to it, I know they [Burger King] will work you like an animal for no pay.” (Service Recipient) 1 Six Strategies for Family Economic Self-Sufficiency. (http://www.sixstrategies.org) 13 Overview Chapter 1 “We have to deal with it [the system], because we have children; we have to go through it. Life is not fair, I just don’t know,…where does the struggle end? I try to get a job, seems you are just not getting in, the harder you try, the worse it is. They say you don’t care, that you are worthless.” (Service Recipient) These women were dealing with abject poverty on a daily basis. They identified instability and insecurity in every aspect of their lives. They were barely meeting expenses each month because they were unemployed or their wages were too low. Opportunities for advancement few and benefits were scarce. When asked about actions taken when funds are insufficient to cover expenses a young woman participating in a focus group replied, “I have to suffer it out when I run out of money, I have no one to call. I really budget my food stamps so we don’t run out of food. When you have no one, it is more harder, you can’t borrow money. I don’t receive no cash money at all.” (Service Recipient) The difficulties women in need experienced were innumerable. The words of the following women gave just a glimpse: “My kids were hungry and thirsty over the 4th of July, I went from Thursday to the following Friday with no money and no food because something was wrong with the computer at DSS. My one-year-old was saying, Mommy, I hungry, I thirsty, this made me feel very bad because I could not feed my babies.” (Service Recipient) A theme that frequently arose was that education does not equal employment with a living wage. This was observed not only among women with a high school education but also higher levels of education (Associates and Bachelors Degrees). While a high school diploma is an adequate education level for a wide variety of minimum wage jobs in the Genesee Valley, these jobs do not provide sufficient income, especially among women who are heads of households with children. Even in jobs that pay more than minimum wage, many women were unable to make enough money to pay for child-care, housing, food, health care, taxes and transportation. Some women, while perhaps not living below official Federal Poverty Guidelines, struggled daily to keep their heads above water. They may have even greater need than women below the poverty level and be more vulnerable as they are often ineligible for services and typically are not enrolled in social programming. The quote below reflects the data regarding women who live above the poverty threshold but below the Self-Sufficiency Standard. 14 Overview Chapter 1 “The distinction between classes and poverty are becoming blurred, you can have it together, however not really be economically self-sufficient. Suburban hunger is on the rise, 27% of the hungry identified in our Hunger Study were people from the suburbs. Their hours at work get cut back, they have no benefits, and small business cannot carry the burden indefinitely.” (Service Provider) Significant barriers exist for poor women. Barriers include no transportation or inadequate transportation, large geographic distances to services and providers, isolation, low literacy, feelings of inadequacy, addiction, dependency, low self-worth, all of which can exacerbate conditions of poverty. Further, according to reports from service providers and service recipients gender discrimination in terms of job segregation into the lower paying job market frequently occurs as does racial, social, and class discrimination. This occurs not only in the job market, but also the community in general to include some service providers. “They need to hire Black people, we are pushed to the side, give us a job, people don’t give us a chance.” (Service Recipient) “Classification of people is a problem. If you can’t write and read English good, you are no good. Right now I am classified a ‘Zero’ by DSS because I am not proficient in English, a… ‘Zero’; this does not make me feel good?” (Service Recipient) Services providers identified numerous barriers to economic self-sufficiency. However, the most common barrier identified was lack of employment with a living wage that women can access or have the appropriate skills for. Service recipients, on the other hand, most commonly spoke of barriers due to public policy that they perceived to be punitive and did not provide the assistance they needed to survive. The second most common barrier discussed among service providers was related to women who feel unsuccessful because of past failures, resulting in low self-esteem. Service recipients perceived that one of their greatest barriers was the lack of advocacy and respect they received from some service providers. “They are rude, they treat you like a ball of dirt, they don’t return your calls, they get frustrated. They take it out on us. They have a lot of people they are dealing with, they get mixed up, we have to consider this.” (Service Recipient) Interestingly, it was difficult for any of the women in the study to specifically point to “what works.” Data invariably shifted from “what works” to what women need, barriers, and interventions they believed in but had no solid outcome data to support. Several themes repeated by service providers related to strategies that they believed assisted women on their quest toward economic self-sufficiency and included the following: 1) establishment of caring relationships that last over time, 15 Overview Chapter 1 2) excellent referral knowledge (high levels of collaboration with other service providers so that referrals are appropriate and comprehensive), 3) assistance with advancing education, 4) consideration for family to include child care, 5) hand-holding, encouragement, validation, “a hand up rather than a hand out,” 6) respect, 7) advocacy, and 8) life skills. Service recipients spoke of: 1) easier access to the services (less red tape and regulations), 2) more cash, 3) stable, safe, livable housing, 4) drug and alcohol addiction treatment, 5) transportation, 6) a good job that pays a living wage, and 7) having a goal while being supported in achieving it, like owning a car or buying a home. “When I graduated from high school, got my degree, I thought that I would make something of myself. Just has not happened. We need better paying jobs; teenagers in NY City make the same as what we make here. My husband works at a salt-brick plant he makes $6.25 an hour, it is very hard, heavy work, we have no insurance, no benefits. If he hurts his back we are screwed. I am working for $8.56 an hour for ARC but I need $10-$12.00 an hour. I need to get out of this County.” (Service Recipient) “With the C.W.E.P., a lot of places they send you to that don’t give you job experience that will lead to a higher paying job. They make you do things like cooking, cleaning, putting away clothes, that is all they make you do. When I asked to do secretarial stuff they say I can’t.” (Service Recipient) Remedies for complex problems that occur at the individual, environmental, systems level are multifaceted. According to service providers and service recipients, women need access to jobs that pay a living wage. Some women need individual interventions such as counseling/training on how to develop healthy relationships, alcohol and drug rehabilitation and/or self-esteem boosting strategies, mental health, and diagnosis and treatment of learning disabilities. Others need a reliable car, better/safer housing, education, higher quality education and job training. Service providers stated that women need support, a voice and respect. They also believed that women needed connection with the community as well as a working knowledge of existing services, life skills, and more collaboration among services providers in order to achieve economic self-sufficiency. Service recipients perceived that they needed education, tutoring and competency in English, employment that pays well, transportation and training. Considerable effort was directed toward defining ESS. A difference of worldview and interpretation between service providers and recipients was expected thus the study purposefully considered multiple meanings throughout the project realizing that there is no single answer to the questions posed. Rather, a range of 16 Overview Chapter 1 possibilities based upon input from those closest to and/or directly influenced by economic instability was explored. The environment of this study was particularly complex, contextually contingent and mediated by individual interpretations of it, making it crucial to the validity of the study to triangulate data, methods, analysis techniques, and researcher interpretations. Interestingly, service providers defined ESS most frequently at the individual level where women who are economically self-sufficient “feel self-worth, have confidence, positive selfesteem and self-efficacy.” Service recipients defined ESS most frequently at the environmental level, “having enough money to cover expenses, to have assets and have money in the bank and to be able to save.” The second most common definition among service providers was that ESS included having enough income for adequate, safe housing, while service recipients perceived that economic self-sufficiency meant that they would no longer have to depend on welfare. “In reference to economic self-sufficiency, some of the short sightedness exists both at the government level and at the private level. What does it really take for substantive change in an individual? Very cursory examinations occur typically, where people say, just get them a job; it is not that easy. If a person cannot fill out an application, how can they get a job? Poverty relates to social isolation, classes…people just don’t have a concept the degree of stress that poverty has on a woman and her family.” (Service Provider) 17 Chapter 2 Methods Research Design A combination of quantitative and qualitative methods was used to address the research questions outlined in the Overview, Chapter 1. Quantitative data primarily were obtained from the United States Census 2000, describing the demographic characteristics of women living in poverty including age, race, place of residence, education level, family composition, and economic status. Qualitative data were obtained via focus groups and one-on-one interviews and surveys. Qualitative data include observation, interviewing, focus groups, and document review. These data informed the study through real life stories of how women struggled to access the services they need, pay their expenses, find employment, and connect with the support they needed for stable, productive lives. Each method provided its own strength to broaden the study. A blend of multiple methods provides a deeper insight into the nature of poor women’s lives and the extent of their struggles to become economically self-sufficient. As well, descriptions of the perceptions of those providing social services are enlightening. Each method compliments the other to elaborate, enhance, illustrate, and clarify the information. Definition of Terms Poverty has been the object of extensive research and study, thus there are multiple viewpoints on how to measure it and what a person needs in order to escape it. For this study, poverty levels primarily were examined using data from the U.S. Census Bureau. Historically, poverty has been measured in two key ways. First, poverty thresholds are used by the U.S. Census Bureau. Second, poverty guidelines are used by the U.S. Department of Health and Human Services. The Poverty Thresholds are used for all official poverty population figures. They were originally derived in 1963 using the U.S. Department of Agriculture food budgets designed for families under economic stress and data about what portion of family income is spent on food. Although the thresholds in some sense reflect families’ needs, they are intended for use as a statistical yardstick, not as a complete description of what people and families need to live. The Poverty Guidelines, which are essentially the same as the Poverty Thresholds, were designed for administrative use and are a simplification of the Poverty Threshold calculations. The Federal Poverty Guidelines main purpose is to establish eligibility for public (and often private) assistance. The federal poverty thresholds used in the U.S. Census 2000 are based on a formula defined in 1965 by Orshanski for the Social Security Administration. Orshanski’s original study aimed at defining “income inadequacy.” She used data from the Department of Agriculture’s 1955 Economy Food Plan (Fisher, 1977) and multiplied it by three to come up with the federal guidelines for measuring poverty. In the mid-1950s, about one third of income went towards food. 18 Methods Chapter 2 No other categories of goods were utilized in establishing the original guidelines. However, changing lifestyles has lead to food accounting for one-sixth of a family’s income today. The federal poverty guidelines are still based on the original formula, although some modifications have occurred. Inflation is used as the major tool to determine guidelines on an annual basis. The 2003 Federal Poverty Thresholds2 for the contiguous United States were: Size of Family Unit 1 2 3 4 5 6 7 8 Earned Income Yearly $ 8,980 $12,120 $15,260 $18,400 $21,540 $24,680 $27,820 $30,960 Currently, the only adjustments in determining in the thresholds are family size and ages of family members. The guideline is based on any income received from working or other forms of compensation such as Social Security, unemployment benefits, and cash public assistance of any type.3 Various federal and state programs use multiples of the guidelines to determine eligibility. For example, in New York State a family unit must have an income below 131% of the federal poverty threshold to establish eligibility for food stamps. In addition to income, poverty has other psychological, social, and cultural meanings. Shipler’s (2004) text on the working poor also defines poverty as a feeling of hopelessness and helplessness. Although people can get jobs, measuring poverty only as annual income ignores the debts a family may incur from school loans, car loans, and credit card debt. Being poor also can mean not owning a home, having no money saved, and no health insurance for the individual or family. Welfare The Personal Responsibility and Work Opportunity Reconciliation Act of 1996 was passed by Congress and the Temporary Assistance for Needy Families (TANF) was born.4 This legislation took the place of two former bills, Aid to Families with Dependent Children (AFDC) and Job Opportunities and Basic Skills Training (JOBS) programs. In a simplified version, the general federal guidelines for TANF are: (a) Single parents with children under age six must be in a work activity 20 hours per week to qualify for benefits. (b) Unwed minors with children now required to live in a home under the supervision of an adult qualify for benefits. (c) Recipients other than single mothers must allot 30 hours per week in a work activity approved by the local DHHS qualify for benefits. 2 HHS Poverty Guidelines from the Federal Register, Vol 68, No. 26, February 7, 2003, pp. 6456-6458. U.S. Census Bureau, 2004 4 U.S. Department of Health and Human Services, 2004 3 19 Methods Chapter 2 (d) Any individual may qualify for TANF is a total of five years. Thereafter, it is solely up to individual states to determine eligibility for continued funding. (e) States who move welfare recipients into jobs get additional federal monies if the number of out-of-wedlock births and abortions is reduced. (f) States are penalized if they do not comply with the stated outcomes of the program. In New York State the Family Assistance Program operates under the TANF guidelines. The NYS Safety Net Assistance Program is available to individuals or families who do not qualify for TANF or other assistance programs. 5 Income adequacy is defined as the level of income necessary for a given family to adequately meet basic needs. An emerging benchmark for estimating income adequacy, rather than income inadequacy, is the Self-Sufficiency Standard (SSS). This standard was developed by Pearce6 for the Family Economic Self-Sufficiency Project of Wider Opportunities for Women.7 Assumptions made in constructing the SSS Guidelines are:8 a) “The Self-Sufficiency Standard assumes that all adults (whether married or single) work full-time and includes the costs associated with employment, specifically, transportation and taxes, and for families with young children, child care. b) The Standard takes into account that many costs differ not only by family size and composition, but also by the age of children. While food and health care costs are slightly lower for younger children, child care costs are much higher, particularly for children not yet in school and are a substantial budget item not included in the official poverty measure. c) The Standard incorporates regional variations in cost. d) The Standard includes the net effects of taxes and tax credits. e) While the poverty standard is based on the cost of a single item, food, and assumes a fixed ration between food and non-food, the Standard is based on the costs of each basic need, determined independently, which allows each cost to increase at its own rate. Thus, the Standard does not assume that food is always 33% of a family’s budget, or constrain housing to 30%.” The SSS is calculated for 70 different family types in geographic regions across the United States, including each county in New York State.9 The SSS measures seven major components. First is housing and assumes that adults have their own bedroom and children share a bedroom between two siblings. Second is child care and uses the current market rate for pre-school children. Currently, the SSS does not acknowledge the cost of child care for working parents with school age children. Third is food, using the low cost 5 New York State Office of Temporary and Disability Assistance, 2004 (http://www.otda.state.ny.us/otda/ta) Pearce & Brooks, 2000 7 Six Strategies for Family Economic Self-Sufficiency. (http://www.sixstrategies.org) 8 http://www.sixstrategies.org/files/Resource-StandardReport-NY.pdf, page 3. 9 http://www.sixstrategies.org/files/Resource-StandardReport-NY.pdf 6 20 Methods Chapter 2 food plan from the USDA. Fourth is transportation, assuming public transportation is available and necessary for one adult to get to and from work on a regular basis, as well as two trips per week for groceries and other errands. Fifth is health insurance and assumes that the employer pays 24% of individual health care or 38% of a family’s health care. Sixth area is miscellaneous and includes clothing, shoes, paper products, diapers, cleaning products, personal hygiene items, telephone, recreation, entertainment, and savings. Seventh is taxes and includes federal and state payroll taxes and sales taxes. It assumes the use of the Child Care Tax Credit, the Earned Income Tax Credit, and the Child Tax Credit. Figure 2.1 illustrates the proportion of income spent on each basic need for a single parent family with one preschooler and one school-age child in Monroe County. Housing and child care are the largest routine expenditures for working families with children. Single parent families with two children, one of whom is under school-age generally spend more than half their incomes on these two expenses alone. The next largest expenses are food at 13% and taxes at 11%. Even though taxes are reduced by tax credits, they still account for about 1/9th of expenses. Health care is a relatively small share, however this calculation assumes that the employer has a health insurance plan and pays a portion of the premium. Figure 2.1 Percentage of Income to Meet Basic Needs for a Family with One Parent, One Preschool-age Child and One School-age Child in Monroe County, NY10 32% 21% 13% 8% Miscellaneous Health Care 8% 7% 11% Housing Transportaiton Child Care Taxes-Net Food “Pearce and Brooks found that a single parent living in Monroe County with two children, one infant and one in daycare, would need a gross income of $3,078 per month (or $36,936/year) to meet basic needs. Even working full time, the parent would have to earn $17.49 per hour, much more than the typical entry-level wage for someone without specialized skills. Further, many low wage jobs do not provide health insurance, so working poor families are often forced to choose between health care and other necessities” (Mutari, E., 2001, p. 3). To place the SSS in context, it is useful to compare it to other commonly used measures of income adequacy. Figure 2.2 compares the annual SSS for one adult, one infant, and one school aged 10 http://www.sixstrategies.org/files/Resource-StandardReport-NY.pdf, page 13. 21 Methods Chapter 2 child to other economic benchmarks in Monroe County. Minimum Wage is calculated at $5.15/hour for full time work. The Median Household Income is the median income for all households, regardless of family size. The Median Female Income is the median income of all women working full-time, year-round. The Median FHH Income is the median income for Female Heads of Households in Families.11 $50,000 $44,891 $40,000 $36,936 $29,553 $30,000 $25,265 $20,000 $15,264 $10,180 $10,712 Welfare & Food Stamps Full-Time Minimum Wage $5.15/hr. $10,000 $0 Federal Median FHH Poverty Line Income Median Female Income SelfSufficiency Standard Median Household Income The SSS is a ground-breaking alternative to the federal guidelines currently used to determine financial eligibility for public assistance as well as most other social programs. This standard is relevant to a range of issues and arenas providing crucial information about wage adequacy. The standard can assist the federal government, social programs, philanthropists, state and local agencies, and many others to understand crucial information about wage adequacy. Possessing this knowledge will result in being better equipped to design strategies for economic selfsufficiency as well as fund programs that have the highest likelihood of assisting women in achieving it. The SSS can be used in a variety of settings, from the welfare client choosing the best means out of poverty for herself and her family to organizations weighing investment in various education and training initiatives to state-level policy makers facing critical policy choices on tax policy subsidies, welfare to work programs, economic development plans, education, and training. The standard also has implications for employers who are interested in providing living wages for workers in Upstate New York. 11 The U.S. Census 2000 definitions are used in this report. This is, Head of Household in Families is a householder (female [FHH] or male [MHH]) living with one or more individuals related to her or him by birth, marriage, or adoption. Head of Household Not in Families is a householder (female or male) living alone or with non-relatives only. 22 Methods Chapter 2 One caveat must be included. The use of income thresholds should not be interpreted to mean that a woman can achieve economic self-sufficiency only by being employed and bringing home a wage that covers her monthly expenses at one point in time. “True self-sufficiency involves not just a job with a certain wage and benefits, rather income security for a family over time. Thus, for many the Self-Sufficiency Wage represents a larger goal toward which they are striving and is a process that they are engaged in, not a one-time achievement” (Pearce & Brooks, 2000). Tables showing specific calculations of the SSS for each of the seven study counties in the study can be found in Appendix B. Working poor. The working poor are defined as individuals who work but whose incomes do not put them above the poverty guidelines for their family size. Sixth-three percent of U.S. families living in poverty have one or more family members who work. Jobs held by the working poor may pay more than minimum wage but usually offer no health-care benefits, no sick pay, and no pension. Currently, many of these individuals work 35 hours per week, now accepted as full time employment. Five of the ten fastest growing jobs, retail clerks, janitors, cashiers, health care workers, and maids, are low paying jobs (Business Week, May 24, 2004). Female heads of households are most likely to be poor. Nationally, 30% of black women heads of households are among the working poor (U.S. Department of Labor, Bureau of Labor Statistics, Report 957, page 2). The majority of workers in low wage jobs are women and 60% are white. “The low wage workforce is disproportionately young, less educated, and single” (Kim, 2000, page 27). Low Income Women. For the purposes of this study, low income women are defined as those above the federal poverty guidelines but do not make enough monies to reach the SSS. Consequently, they are ineligible for many state and federal programs. Examples of these programs are: Community Services Block Grant, Head Start, Low-Income Home Energy Assistance, Children’s Health Insurance Program, Medicaid, Food Stamps, Special Supplemental Nutrition Program for Women, Infants, and Children (WIC), National School Lunch and School Breakfast program, Weatherization Assistance, Job Corps, Senior Community Service Employment Program, National Farm Worker Jobs Program, and Legal Services for the Poor (Fisher, 1996).12 Sources of Quantitative Data The quantitative data used for this study comes from three databases, the U.S. Census 2000, the New York State Office of Temporary and Disability Assistance, and the New York State Department of Health, Vital Statistics. Quantitative data are presented in these data sets as frequencies of raw numbers. Raw numbers were used to calculate percentages within categories. The U.S. Census was chosen as a key source of data because it provides a wealth of social and economic data that are widely used by social scientists in both the public and private 12 Major means-tested programs that do NOT use the poverty guidelines in determining eligibility include Temporary Assistance for Needy Families (TANF), Supplemental Security Income (SSI), Earned Income Tax Credit program, HUD Housing Assistance Program, and Social Services Block Grant. 23 Methods Chapter 2 sectors. U.S. Census 2000 data are available online.13 Data are available at the county and county subdivision level. Because of its long history (since 1940), the U.S. Census Bureau and the U.S. Bureau of Labor Statistics have refined their survey methods, conducted numerous tests of validity, and created specific criteria for assessing accuracy of the data collected.14 The survey instrument used to collect census data is a completely computerized document that is administered by Census Bureau field representatives across the country through both personal and telephone interviews. Because of the survey’s large sample and broad population coverage it is the single most comprehensive source of data available to social scientists. The census data include sample data on gender, race/ethnicity, age, marital status, households by type, education, poverty level, geographic location, and workforce assessment. Data from the U.S. Census Summary File (SF) 3 were used for this report. SF 3 data are estimates based on the sample of households reporting in the long form, weighted to reflect the entire population. This summary file was used because of the large number of descriptive statistics available within the file. The New York State Office of Temporary and Disability Assistance data were used to assess the numbers of percentages of individuals and households receiving temporary assistance in the study area. Summary tables are available online15 for the years 2001 through 2003 regarding the number of adults and children receiving Temporary Assistance via the Family Assistance and Safety Net Assistance Programs, and Food Stamps. Data are available at the county level. The New York State Department of Health, Vital Statistics data were to assess the numbers and percentages of teenaged pregnancies in the seven counties. Summary tables are available online16 for the years 1997 through 2000 for the total number of pregnancies and live births in women within age groups, and by married status within age groupings. Data are available at the county level. Sources of Qualitative Data The qualitative data are interpretive in nature, with the assumption that access to reality (given or socially constructed) is only through social constructions such as language, consciousness, and shared meanings. The philosophical base of this qualitative study is ecological and phenomenology where focus is placed on understanding phenomena through the meanings that people assign to them. Interpretive methods are expected to lead to a greater understanding of the experiences of women who are struggling economically in the Greater Genesee Valley. Further, the environment plays a key role in determining women 13 http://www.census.gov http://data.bls.gov/servlet 15 http://www.otda.state.ny.us 16 http://www.health.state.ny.us/nysdoh/vital_statistics 14 24 Methods Chapter 2 and girls’ abilities to become economically self-sufficient. Dependent and independent variables intentionally were not identified for collection of qualitative data. Rather, focus was placed on the full complexity of the human experience based upon context/environment, life history, and the developmental stages of women. Sampling Criteria. During the first phase of qualitative data collection, a total of 328 nonprofit agencies were selected as the sampling frame. The list of non-profit agencies was drawn from a national database entitled Data Disk held in the Circulation Records Division of the Rochester Public Library. This database provided county-by-county lists of non-profit agencies. Data Disk was used because up-to-date, comprehensive lists of non-profit agencies, specific audiences served, and agency missions were not available. Random sampling was not feasible because of the wide array of non-profit organizations’ functions, missions, and our sampling parameters. Researchers specifically sought to understand service providers and service recipients perspectives of the day-to-day economic challenges women and girls face in the Genesee Valley Region. These perspectives were based upon participants’ knowledge, experience, and insight. Researchers used a maximum variation sampling technique where agencies whose missions included providing opportunities to, or services for, women and/or girls were included (this was determined by reviewing Guide Star, an online registry for non-profit organizations). Generalization to all women or all groups was not the intent of this sampling strategy. Rather, the focus was on identifying information that elucidated service, support, interaction, and contact variation as well as significant common patterns within this variation across nonprofit organizations in the sample. After reviewing all non-profit agencies listed in the Data Disk database, a letter on Women’s Foundation of Genesee Valley letterhead was mailed to a total of 143 non-profit agencies fitting the sampling criteria. The letter explained the study and extended an invitation to participate in focus groups. Letters were followed by telephone calls from B.E.C.S, Inc. to schedule focus groups in all seven counties. The second stage of qualitative data collection included interview and focus groups with women who receive assistance. The sampling strategy used for this aspect of the research project encapsulated a snowball sample where researchers asked key people from the different communities to recommend individuals who might feel comfortable talking with members of the research team.1 Some study participants were enrolled in social service programs while others were not. These included women using soup kitchens, food pantries, and Laundromats. Intentional focus was placed on areas identified as having a high incidence 1 Snowball Sampling: Approach for locating information-rich key informants by asking service providers and participants, “Who has experience with economic insufficiency and is comfortable talking about their struggles?” 25 Methods Chapter 2 of Female Heads of Households with children living below the Federal Poverty Guidelines. Three major methods were used to collect qualitative data: a) focus groups (both service providers and service recipients), b) one-on-one interviews with 93 women using a structured interview guide, and c) observations. Four researchers collaborated during qualitative data collection. The focus groups were conducted with no more than 15 people and focused specifically on the definition of economic self-sufficiency (ESS), barriers to attaining and sustaining ESS, supports that helped women achieve ESS, and the primary conditions or circumstances that women needed in order to become economically self-sufficient. These focus groups were designed as an interview rather than a discussion or problem-solving session. Service providers and service recipients participated in separate focus groups. Diversity was sought in race, age, experience, and perspective. Participants were consistently asked to reflect on four key areas. These areas varied slightly depending upon whether participants were service providers or service recipients. Key areas that service providers were asked to address were: a) Please describe the meaning of economic self-sufficiency according to your own perspective and experiences. b) What are the primary barriers that you observe in your day-to-day practice that interferes with a woman’s ability to achieve economic self-sufficiency? c) What do you believe positively impacts a woman’s capacity to achieve economic selfsufficiency in terms of a social service/program/ and/or community support? d) What do you think women need most in order to achieve economic self-sufficiency? Key areas that service recipients were asked to address: a) What do you think it means to be economically self-sufficient? b) Describe what keeps you from becoming economically self-sufficient or being able to pay for your living expenses. c) What helps you in the community to become economically self-sufficient? d) What do you think you need most to become financially stable? All focus group dialogue was recorded and transcribed and/or thoroughly documented. Interviews were guided using a tool for consistency (Appendix C). Transcripts and documentation of focus group events were reviewed for commonalities (i.e., internal consistency and conceptual distinctiveness) as well as discontinuities across counties (Strauss, 1987). Categories or themes that were conceptually distinct and internally consistent were identified. A peer review procedure was implemented whereby at least two researchers analyzed data independently prior to comparing interpretations of the data. Final interpretations were drawn with input from the entire B.E.C.S., Inc. research team. 26 Methods Chapter 2 A distinct advantage of this particular methodology is its efficiency and cost effectiveness. Eight-one service providers were interviewed in the same amount of time that it typically would take to interview twelve individuals. Focus groups also provided researchers a level of reliability of the data as participants provided checks and balances on each other that helped to identify false or extreme views. The group dynamics contributed to focusing on the most important topics and issues relating to ESS. Areas of consistency and inconsistency were identified by comparing responses within, as well as across, focus groups. In order to gain insight into the lives of women struggling with ESS, one-on-one interviews were done with women who were not necessarily associated with an assistance program, but most likely received services or were in the process of applying for services. An interview guide was designed to make inquiries in a non-threatening way. This interview guide provided a uniform and consistent way to query. The most convenient access for researchers was soup kitchens, food pantries, and places of business in areas identified as having a high concentration of female heads of households with children. As an incentive, each woman received a $10 gift certificate from Wegmans or Tops. Data Analysis. Data analysis incorporated Urie Bronfenbrenner’s Ecological Theory as the conceptual framework. This model was selected because it provided a way to think about the data in terms of how the landscape of human ecology influences personal development, interaction, and ultimately economic self-sufficiency among the study population. The ecological environment is conceived topologically as a nested arrangement of structures, each contained within the next. The data from focus groups were considered in terms of four key areas: a) the definition of economic self-sufficiency, b) barriers to economic self-sufficiency, c) what women need in order to achieve economic self-sufficiency, and d) the supports and/or resources that women require from their community in order to achieve economic self-sufficiency. Data were further separated into four key environmental levels and included: (a) Microsystem is the complex of relations between the developing person and environment in an immediate setting containing that person (e.g., home, school, workplace). It is defined as an activity rather than a behavior. A setting is defined as a place with particular physical features in which the participants engage in particular activities in particular roles (e.g., daughter, parent, teacher, employee) for particular periods of time. The factors of place, time, physical features, activity, participant, and role constitute the elements of a setting. (b) Mesosystem comprises the interrelations among major settings containing the developing person at a particular point in her life and typically encompasses interaction among family, work place, and peer group. A mesosystem is a system of microsystems. (c) Exosystem is an extension of the mesosystem embracing other specific social structures, both formal and informal, that do not themselves contain the developing person but impinge upon or encompass the immediate settings in which that person is found and thereby influence, delimit, or even determine what goes on there (e.g., Department of Social Services, community-based agencies, health care system, educational system). 27 Methods Chapter 2 Included are the major institutions of the society both deliberately structured and spontaneously evolving as they operate at a concrete local level (e.g., world of work, neighborhood, mass media, agencies of government, the distribution of goods and services, communication and transportation facilities, and informal social networks). (d) Macrosystem is a culture/subculture that sets the pattern for the structures and activities occurring at the concrete level. Known as the blueprints, the macrosystems represent laws, regulations, and rules but most are informal and implicit, carried often unwittingly in the minds of the society members as ideology made manifest through custom and practice in everyday life (e.g., culture, beliefs, values). These are the overarching institutional patterns of the culture or subculture, such as the economic, social, educational, legal, and political systems of which micro-, meso- and exosystems are concrete manifestations. Macrosystems are conceived and examined not only in structural terms but as carriers of information and ideology that both explicitly and implicitly endow meaning and motivation to particular agencies, social networks, roles, activities, and their interrelations. Analysis of words, phrases, and statements to determine themes that emerged in response to each of the four key questions was completed by two methods: (a) Ethnography: Each observation from focus groups and one-on one interviews with service recipients and service providers was entered into a qualitative software package 28 Methods Chapter 2 known as Ethnograph 5.0. Ethnograph allowed the assignment of codes to the data that helped to summarize, synthesize, and sort many observations in an iterative and progressive cycle. Ethnograph is an analytic tool that allows researchers to code at different levels and in considerable detail. It is straightforward to use yet a powerful management tool for dealing with large amounts of qualitative data. Using Ethnograph, codes were assigned to themes and functioned as labels for assigning units of meaning to data in order to retrieve and organize the data. Coded data were then categorized, subcategorized, and cross-referenced according to themes, patterns, and occurrences. (b) Hands-on Analysis: Subsequent analysis concentrated on forming explanations, speculations, and hypotheses by highlighting themes within focus group documents. Further, the data were reviewed for alternative explanations, minority opinions, and disagreements. Explanations and causality were arrived at through a preponderance of evidence, strength of association, consistency, specificity, plausibility, and coherence. Triangulation of data sources, methods, analysis, and researchers was used to increase the trustworthiness and validity of the analysis/interpretation of the data. The goal was to find corroboration in as many places as possible so that the data/analysis/interpretation was stronger with higher levels of credibility. Using multiple methods, researchers, and data is intended to enhance understanding and shed light on the meaning and nature of ESS among women in the Genesee Valley Region. It includes the ways in which women interpreted the circumstances that they believe leads to a life of ESS. Interviewing service providers was intended to consider a different facet of economic self-sufficiency, that is, from the perspective of experience and observation of numerous women over a period of time. 29 Chapter 3 RESULTS T his study focuses on seven counties that are part of what is defined as “Upstate New York.” The counties included are Genesee, Livingston, Monroe, Ontario, Orleans, Wayne, and Yates. This region comprises 23% of the entire Upstate New York region, which is defined as the 40 counties that stretch from the Albany area westward to the state border at Niagara Falls and Lake Erie and northward to Lake Ontario, excluding the six most northerly counties that encompass much of the Adirondack State Park.18 This chapter describes the results of a secondary analysis of data obtained from the United States Census 2000, the New York State Office of Vital Statistics, and the New York State Office of Temporary and Disability Assistance. Pertinent demographic and economic information about females in the seven counties are examined. A description of key demographic characteristics and issues related to achieving and maintaining ESS among women living in the study counties is the primary focus of this work. This chapter also shares the results of a qualitative analysis of focus groups and one-on-one interviews with women in the seven study counties. These data are used to elucidate the perspective of women, including their definition of ESS and their attempts to achieve and maintain ESS. Each of the questions listed below are addressed. Most of these questions are answered by using a combination of both quantitative and qualitative data. A detailed description of background and methodology is provided in Chapter 2. 1. What does “ESS” mean for women living in the seven counties being studied? 2. What are the various definitions of ESS for women in each area within our seven counties? 3. What are the basic elements of women’s economic security and under what circumstances do women feel economically secure? 4. What external factors contribute to women’s economic security? 5. What assets do women bring to the economy of our community? 6. What threatens women’s economic security? 7. What prevents women from achieving ESS? 8. What limits women’s understanding of ESS? 18 The entire Upstate area’s population is 5.5 million. 30 RESULTS CHAPTER 3 The Demography of Women in the Genesee Valley Region: Quantitative Data The United States Census 2000 is the source of a significant amount of the quantitative data contained in this report. Much of the data in the U.S. Census 2000 are available by individual and by household. Subdivisions of the raw census data by individual and by household differ and equivalent subdivisions of data for individuals and households are not always available. Census data by individual and household were used as appropriate to examine the variables of interest. In addition, data from the New York State Office of Vital Statistics and the New York State Office of Temporary and Disability Assistance databases were used. The quantitative data are organized in the following general categories: 1) demographic overview of women (gender distribution, age, race/ethnicity, households and families, educational attainment, and pregnancy); 2) demographics of economic status among women (distribution of income by households, distribution of earnings by gender, demographics of poverty by households); and 3) ESS. DEMOGRAPHIC OVERVIEW Gender Distribution The seven counties included in this study area are comprised of 1,122,822 people. Slightly over one-half, 51.4% (576,906), are female. Age The median age of females in the seven counties are: Genesee, 38.6 years; Livingston, 35.6 years; Monroe, 37.6 years; Ontario, 38.5 years; Orleans, 37.1 years; Wayne, 37.8 years; and Yates, 38.5 years. This is similar to the median age of females in New York State, 37.3 years, and slightly higher than the median age of females in the US, 36.0 years (US Census 2000, Summary File 4, Table PCT 4). Similar to the Upstate region, the majority of females the seven study counties are 18-64 years of age. Sixty-two percent of the women are between the ages of 18 and 64 years, 23% were under 18 years and 15% were over 65 years of age. Monroe County is home to the largest number of females (380,858) and Yates the fewest (12,589). The distribution of age is very similar to all of New York State. Table 3.1 and Figure 3.1 reflect the variations across the seven study counties. Monroe County has the highest percentage of females, 52%, with all other counties at 50% or 51%. Orleans County has the highest percentage of children and youth; Livingston County has the largest percentage of adults (18-64 years). A higher proportion of senior women reside in Genesee and Yates Counties compared to New York State percentages as well as to other individual study county percentages. As is typical in most regions of the United States elder women outnumber elder men. For the seven 31 Results Chapter 3 counties, women represent 59.5% of the population 65 years of age and older and 71.7% of the population 85 years of age and older. Table 3.1 Numbers and Percentages of Females by Age 19,20 Total Female Population % of Total population <18 Years % of females < 18 yrs 18-64 Years % of females 18-64 yrs 65+ Years % of females 65+ yrs Genesee 30,554 51% 7,645 25% 17,850 58% 5,059 17% Livingston 31,999 50% 7,208 23% 20,535 64% 4,256 13% Monroe 380,858 52% 91,172 24% 231,819 61% 57,867 15% Ontario 51,301 51% 12,497 25% 31,150 61% 7,654 15% Orleans 22,255 50% 5,528 26% 13,552 61% 3,175 14% Wayne 47,350 51% 12,474 25% 28,335 60% 6,541 14% Yates 12,589 51% 3,165 24% 7,291 58% 2,133 17% 576,906 51% 139,689 24% 350,532 61% 86,685 15% 9,829,709 52% 2,276,045 23% 6,089,406 62% 2,448,352 13% 7 COUNTIES NY State Source: US Census 2000, Summary File (SF) 3, Table P8 (http://www.census.gov) (SF 3 data are estimates based on sample of households reporting on the long form, weighted to reflect the entire population.) Figure 3.1 Percentages Female Population for Study Counties by Age. 70% Genesee Livingston 60% Monroe 50% Ontario 40% Wayne Orleans Yates 30% 20% 10% 0% 19 20 <18 YRS. 18-64 YRS. 65+YRS. Accompanying tables containing data for each township within each county are found in the Appendix A. Tables in Appendix A are labeled with the same number as those found within this chapter, with the addition of the suffix “A.” For example, the table in the Appendix accompanying Table 3.1is Table 3.1A. Table 3.1, Columns 3, 5, 7, & 9 are the percentages of women in each age range, out of the total population in the county. 32 Results Chapter 3 Female Population Trends For Age - 1990-2000 Figure 3.2 illustrates population trends among females over the past 10 years. Overall there has been the least amount of growth observed among women age 19-64 years and the most amount of growth among children and youth and senior citizens. While the numbers of women over the age of 65 has increased in all counties, the largest increase occurred in Wayne County. The most growth among children and youth was observed in Yates County. The slowest growth in population observed in Genesee County where there has been a decline in numbers of children under the age of 18 years over the past 10 years. Livingston County has experienced a decline in children and youth, and to a greater extent, adult women between the ages of 19 and 64 years. Monroe County has experienced the smallest growth among women age 19 to 64 years as well, while Orleans County has experienced the largest percent of growth among adult women. Figure 3.2 Female Population Trends (US Census Bureau, 2000). 33 Results Chapter 3 Race/Ethnicity As shown in Table 3.2, the racial and ethnic distribution of females differs among the counties. Genesee, Livingston, Ontario, Wayne, and Yates Counties are comprised of mostly white females, with fewer African American, Hispanic, Native American/Native Alaskan, and Asian females. Monroe and Orleans counties are more heterogeneous. However, the heterogeneity in Monroe County is primarily attributable to the city of Rochester. Rochester is comprised of 43% white, 39% African American, and 12.5% Hispanic females, whereas all other areas of Monroe County combined is comprised of 91% white, 3% AfricanAmerican, and 2% Hispanic females. The Tonawanda Reservation is located in Genesee County, accounting for the highest percentage of Native American females living in the seven counties. However, the largest numbers of Native American females live in Monroe County. The Mennonite and Amish populations are thriving in the Genesee Valley. These groups are quite self-contained and self-sufficient, choosing to refrain from using services or participating in social programming. The U.S. Census data does not disaggregate data to reflect Mennonite females alone, however they were included in the U.S. Census 2000. While Mennonite children do not attend public schools, their families do pay taxes, which make their presence a “boon for the county” as they require little in terms of services and supports (Travis, 2003). Table 3.2 Distribution of Women by Race/Ethnicity21 White % White Black % Black 29,230 95.2% 378 1.2% Livingston 30,631 95.3% 276 Monroe 292,839 74.4% 52,862 Genesee Monroe-ROC 22 Rochester 243,023 49,816 90.5% 8,217 39.8% % Native % Native Hispanic Hispanic American American 248 0.8% 0.9% 402 13.4% 19,600 3.1% 5,193 14,407 Asian % Asian Other % Other 102 0.3% 471 1.5% 270 0.9% 1.3% 89 0.3% 288 0.9% 462 1.4% 5.0% 1,154 0.3% 9,022 2.3% 18,115 4.6% 1.9% 528 11.5% 626 0.2% 44,645 35.7% Ontario 48,882 93.3% 998 1.9% 1,098 2.1% 60 0.1% 0.5% Orleans 19,632 86.7% 1,547 6.8% 787 3.5% 116 Wayne 44,343 92.8% 1,193 2.5% 892 1.9% 141 Yates 12,217 96.9% 31 0.2% 102 0.8% 7 COUNTIES 770,613 78.2% 110,147 11.2% 42,729 4.3% 6,658 2,364 2.5% 1.9% 4,899 13,216 1.8% 10.6% 358 0.7% 1,003 1.9% 0.5% 42 0.2% 516 2.3% 0.3% 227 0.5% 974 2.0% 47 0.4% 52 0.4% 163 1.3% 3,031 0.3% 19,113 1.9% 21,704 2.2% Source: US Census 2000, SF 3, Table P145 21 22 Table 3.2, Columns 3, 5, 7, 9, 11, & 13 are percentages of women in each racial/ethnic group out of all women in the county. Monroe-ROC = Monroe County excluding the city of Rochester. Data for Monroe County are split into Monroe County excluding the city of Rochester and the city of Rochester for factors where the data on the county as a whole do not accurately represent the distribution on the variable of interest. 34 Results Chapter 3 Households and Families Households are divided into two major categories: families and non-families. Families include three subdivisions: 1) married couples, 2) female heads of households (FHH), and 3) male heads of households (MHH). FHH and MHH within families are further divided into those a) with, and b) without children under the age of 18. Non-families are divided into FHH and MHH.23 Table 3.3 shows the distribution of households by family type across the seven counties. Among the 429,541 households in the seven counties, 12% are headed by females in families and 18.5% are headed by females in non-family households. The highest percentage of FHH is in the city of Rochester. Table 3.3 Numbers and Percentages of Households by Family Type24 HOUSEHOLDS FAMILIES COUNTY TOTAL HHs Married Couples % of all HH Genesee 22,804 12,724 Livingston 22,149 12,255 Monroe FHH % of all HH 55.8% 2,105 55.3% Non-FAMILIES MHH % of all HH FHH % of all HH MHH % of all HH 9.2% 1,076 4.7% 3,932 17.2% 2,967 13.0% 2,167 9.8% 1,012 4.6% 3,646 16.5% 3,069 13.9% 286,820 138,129 48.2% 37,437 13.1% 10,252 3.6% 56,132 19.6% 44,870 15.6% Monroe-ROC 197,727 115,213 58.3% 16,856 8.5% 6,036 3.1% 35,315 17.9% 24,307 12.3% Rochester 89,093 22,916 25.7% 20,581 23.1% 4,216 4.7% 20,817 23.4% 20,563 23.1% Ontario 38,392 21,350 55.6% 3,810 9.9% 1,377 3.6% 6,563 17.1% 5,292 13.8% Orleans 15,350 8,318 54.2% 1,756 11.4% 806 5.3% 2,351 15.3% 2,119 13.8% Wayne 34,970 19,930 57.0% 3,545 10.1% 1,662 4.8% 5,295 15.1% 4,538 13.0% Yates 9,056 5,039 55.6% 845 9.3% 432 4.8% 1,461 16.1% 1,279 14.1% 429,541 217,745 50.7% 51,665 12.0% 16,617 3.9% 79,380 18.5% 64,134 14.9% TOTAL Source: US Census 2000, SF 3, Table P92 23 24 Head of household in families is a householder (female or male) living with one or more individuals related to her or him by birth, marriage, or adoption. Head of household not in families is a householder (female or male) living alone or with non-relatives only. Table 3.3, Columns 4, 6, 8, 10, & 12 are the percentages of households within each category, out of all households in the county. 35 Results Chapter 3 Of FHH in families, 32,972 (63.8%) have children under the age of 18. FHH with children between the ages of 6 and 17 (20,551, 62.3%) is the largest subset of FHH in families. As shown in Table 3.4, the highest percentage of FHH with children under the age of 18 is found in the city of Rochester and the lowest percentage of FHH with children under the age of 18 is found in Monroe County excluding Rochester. A highest percentage of FHH in families with young children (< 6 years of age) is found in the city of Rochester, followed closely by Livingston, Ontario and Wayne Counties. Table 3.4 Numbers and Percentages of Female Heads of Households in Families by Children’s Age25 FHH with own children < 18 years of age FHH with children < 18 % of all FHH FFH with children <6 2,105 1,241 59.0% 226 18.2% COUNTY Genesee FHH % of all % of FHH FHH % of all with FHH with with with FHH with children children children children children between 6 & between 6 & <6 0 to 17 years 0 to 17 years 17 only 17 only All FHH in families 171 13.8% 844 68.0% Livingston 2,167 1,444 66.6% 292 20.2% 154 10.7% 998 69.1% Monroe 37,437 23,821 63.6% 4,660 19.6% 4,448 18.7% 14,713 61.8% Monroe-ROC 16,856 9,483 56.3% 1,365 14.4% 1,177 12.4% 6,941 73.2% Rochester 20,581 14,338 69.7% 3,295 23.0% 3,271 22.8% 7,772 54.2% Ontario 3,810 2,398 62.9% 489 20.4% 434 18.1% Orleans 1,756 1,131 64.4% 195 17.2% 251 Wayne 3,545 2,382 67.2% 481 20.2% 424 845 555 65.7% 109 19.6% 87 51,665 32,972 63.8% 6,452 19.6% 5,969 Yates 7 COUNTIES 1,475 61.5% 22.2% 685 60.6% 17.8% 1,477 62.0% 15.7% 359 64.7% 18.1% 20,551 62.3% Source: US Census 2000, SF 3, Table P15 25 Table 3.4, Columns 4 is the percentage of FHH in Families with children under the age of 18, out of all FHH in Families in the county. Columns 6, & 8, & 10 are the percentages of FHH in Families with children in each age category, out of all FHH in Families with children less than 18 years of age in the county. 36 Results Chapter 3 Not surprisingly, the majority of FHH in families are 44 years of age or younger (60.9%). Conversely, the majority of FHH in non-families are 45 years of age and older (81.5%) with 42.7% being 65 years of age and older (Table 3.5). Table 3.5 Numbers and Percentages of Female Heads of Households by Age26 FHH in Families FHH in non-Families Total < 45 yrs % FHH 45 + yrs % 65 + yrs % Genesee 2,105 1,191 56.6% 3,932 3,040 77.3% 2,000 65.8% Livingston 2,167 1,287 59.4% 3,646 2,671 73.3% 1,652 61.8% Monroe 37,437 22,888 61.1% 56,132 38,500 68.6% 22,288 57.9% Ontario 3,810 2,267 59.5 6,563 4,923 75.0% 3,003 61.0% Orleans 1,756 1,093 62.2% 2,351 1,915 81.5% 1,260 65.8% Wayne 3,545 2,248 63.4% 5,295 4,220 79.7% 2,620 62.1% Yates 845 469 55.5% 1,461 1,217 83.3% 859 70.6% 51,665 31,443 60.9% 79,380 56,486 71.2% 33,682 59.6% TOTAL Source: US Census 2000, SF 3, Table P92 Educational Attainment Table 3.6 shows the distribution of educational attainment for women 25 years of age or older.27 There are 48,600 women who have not completed high school across the seven counties. This represents 12.6% of the total population of women 25 years of age and older for whom educational status is known (386,081 women). Orleans County has the highest percentage (21.5%) of women without a 12th grade education. Ontario County has the lowest percentage of women without high school diplomas (11.5%). The absolute numbers of women without a high school education is striking. Monroe County has the largest number of women without a high school education, 40,053, followed by Wayne County with 5,157. Of all women in the seven counties, only 30.4% or 117,328 have high school diplomas or a General Education Degree (GED). 26 27 Table 3.5, Columns 4, 7, & 9 are the percentages of FHH within each age group, out of the total FHHs within each of the two types of households in the county. Data also are available showing educational attainment for women 18 years of age and older. However, the 25 years of age and older data are used in this report to account for women who attained a General Education Degree (GED) or took more than 4 years to complete high school. 37 Results Chapter 3 Table 3.6 Educational Attainment for Women 25 Years of Age and Older28 Bachelor’s degree Graduate or Professional degree < 9th grade High School graduate29 # % # % # % # % # % # 1,042 5.0% 1,879 9.1% 7,865 38.0% 3,740 18.1% 2,766 13.4% 638 3.2% 1,994 10.1% 6,738 34.0% 4,066 20.5% 2,335 11.8% 11,712 4.6% 28,341 11.1% 71,193 27.8% 45,067 17.6% 26,649 10.4% 42,927 16.8% 30,024 11.7% Monroe-ROC 6,260 3.9% 14,395 11.5% 50,643 31.3% 33,318 19.7% 20,756 8.7% 34,621 15.3% 24,505 9.8% Rochester 5,452 7.6% 13,946 19.5% 20,550 28.8% 11,749 16.5% 5,893 8.3% 8,306 11.6% 5,519 7.7% Ontario 1,158 3.3% 2,835 8.2% 10,952 31.6% 6,945 20.0% 4,447 12.8% 4,829 13.9% 3,498 10.1% Orleans 960 6.4% 2,225 14.9% 5,985 40.0% 2,431 16.2% 1,409 9.4% 1,230 8.2% 734 4.9% Wayne 1,664 5.2% 3,493 11.0% 11,669 36.7% 5,919 18.6% 3,453 10.9% 3,374 10.6% 2,236 7.0% Yates 510 6.2% 988 12.1% 2,926 35.7% 1,457 17.8% 739 9.0% 789 9.6% 784 9.6% 17,684 4.6% 30,916 8.0% 117,328 30.4% 69,625 18.0% Genesee Livingston Monroe 7 counties Some college, no degree Associate’s degree 9-12 no diploma % # % 2,042 9.9% 1,385 6.7% 2,246 11.3% 1,793 9.1% 41,798 10.8% 57,437 14.9% 40,454 10.5% Source: US Census 2000, SF 3, Table P37 Variation exists in the distribution of educational attainment by race and ethnicity (Table 3.7 & Figure 3.3). White women have the lowest percentage of women without a high school education at 12.8% and Hispanic women have the highest percentage of women without a high school diploma at 38.4%. A higher percentage of Hispanic women earned a Bachelors or graduate degree compared to Black women. The percentage of Asian women earning a Bachelor’s or graduate degree was higher than any other group. 28 Table 3.6, Columns 3, 5, 7, 9, 11, 13, & 15 are percentages of women within each educational level, out of the total number of women for whom educational level is known in the county. 29 High school graduate includes equivalency or GED. 38 Results Chapter 3 Table 3.7 Educational Attainment for Females 25 Years of Age and Older by Race/ Ethnicity.30,31,32 White % White % Native % Native Black % Black Hispanic Hispanic Am. Am. Asian % Asian Other % Other Less than 9th grade 12,182 3.2% 2,461 7.6% 1,919 17.2% 55 4.7% 866 14.5% 1,398 14.4% 9th to 12th, no diploma 30,273 9.9% 7,885 24.4% 2,367 21.2% 253 21.5% 497 8.4% 2,013 20.7% Less than high school 42,455 12.8% 10,346 32.1% 4,286 38.4% 308 26.2% 1,363 22.9% 3,411 35.1% High school graduate 102,490 34.4% 9,907 30.7% 2,865 25.7% 386 32.8% 893 15.0% 2,561 26.4% Some college, no degree 60,843 20.4% 5,607 17.4% 1,678 15.0% 312 26.5% 536 9.0% 1,496 15.4% Associate degree 37,325 11.8% 2,735 8.5% 886 7.9% 58 4.9% 404 6.8% 905 9.3% Bachelor's degree 52,437 11.4% 2,349 7.3% 895 8.0% 70 6.0% 1,231 20.7% 778 8.0% Graduate or professional 36,689 9.0% 1,314 4.1% 555 5.0% 42 3.6% 1,525 25.6% 563 5.8% Source: US Census 2000, SF 3, Table P148 Figure 3.3 Educational Attainment for African American, Hispanic and White Women in the Seven Counties. G r a d u a te H is p a n ic A fric a n A m e ric a n B a c h e lo r 's W h ite A s s o c ia te 's S o m e c o lle g e HS g rad < HS 0% 5% 10% 15% 20% 25% 30% 35% 40% < HS H S g ra d Some c o lle g e A s s o c ia te 's B a c h e lo r's G ra d u a te H is p a n ic 3 8 .4 % 2 5 .7 % 1 5 .0 % 7 .9 % 8 .0 % 5 .0 % A fric a n A m e ric a n 3 2 .1 % 3 0 .7 % 1 7 .4 % 8 .5 % 7 .3 % 4 .1 % W h ite 1 2 .8 % 3 4 .4 % 2 0 .2 % 1 1 .8 % 1 1 .4 % 9 .0 % 30 The total number of females included in Table 3.7 (N = 392,504) is 6,423 higher than in Table 3.6 (N = 386,081). This is attributable to women’s ability to report being a member of more than one racial and ethnic group (for example, Black and Hispanic). In addition, because Summary File 3 reports estimated data, exact totals can differ slightly from table to table. 31 Table 3.7, Columns 3, 5, 7, 9, 11, & 13 are the numbers of women within each racial/ethnic group having achieved the specified educational level in the county. Columns 4, 6, 8, 10, 12, & 14 are the percentages of women within each racial/ethnic group having achieved the specified educational level, out of the total number of women in each racial/ethnic group in the county. 32 Because the number of individuals in some racial/ethnic groups are very small in many of the townships, there is the possibility that individual women could be identified. Thus, there is no accompanying table for Table 3.7 in the Appendix. 39 Results Chapter 3 Pregnancy by Age and Marital Status The ability to control ones fertility plays a significant role a woman’s ability to achieve ESS. It is well known that women who give birth to a child at an early age and have rapid repeat pregnancies are more vulnerable to poverty. As shown in Table 3.8, the number of teenagers who gave birth has decreased from 1997 to 2000 in most of the seven counties, the exceptions being Livingston and Ontario counties. Table 3.8 Number and Percentages33 of Live Births to Teenagers from 1997 to 2000 1997 1998 1999 2000 # % # % # % # Genesee % 65 8.6% 55 7.9% 70 9.5% 61 8.9% Livingston 53 7.5% 56 8.4% 55 7.9% 71 10.6% Monroe 982 10.2% 976 10.1% 982 10.6% 947 10.0% Ontario 87 7.4% 95 8.0% 76 7.1% 98 8.5% Orleans 81 14.7% 79 14.3% 68 12.8% 62 11.7% Wayne 154 12.2% 140 11.0% 115 9.2% 105 9.0% Yates 37 11.2% 30 8.7% 33 10.4% 22 8.1% Source: New York State Department of Health Vital Statistics (http://www. health.state.ny.us/nysdoh/vital_statistics) The large majority of teenagers who give birth are not married, which increases the likelihood that they will not be economically self-sufficient. Across the seven counties, among girls 14 years of age and younger who gave birth in 2000, 100% were not married. Among girls 15 to 17, 97.4% were not married. Among girls 18 and 19 years of age, 89.4% were not married. Although, the percentage of single women giving birth decreases with age, more than half of women 20 to 24 years of age (63.8%) who gave birth in 2000 were not married. This percentage decreases dramatically thereafter, with 27.1% of women 25-29, 14.7% of women 30-34, 13.3% of women 35-39, and 18.4% of women 40-44 being single when they have a child. All women 45 years of age or older were married when they had a child. Place of Residency (Urban vs. Rural) Density of females living in rural versus urban settings is not disaggregated from the male population so a precise statement about distribution of females in rural versus urban settings is not possible. However, since more than 50% of the total population are female, we can extrapolate from the aggregated data in order to identify residency, rural versus urban. When considering the entire study population, there are significantly more urban residents (75% or 846,946 people) than rural residents (25% or 275,876). However, in Genesee County, 60% of 33 Percentages of live births to teenagers (19 years of age and younger) out of all live births in the county. These data are not available by towns. 40 Results Chapter 3 residents live in rural areas (35,939) and 40% live in urban areas (24,441). In Ontario County, 49% of residents live in urban areas and 51% live in rural areas (49,288 and 50,936 people respectively). This higher population density in rural areas held true for all study counties except Monroe County where only 7% reside in rural areas (51,139) and 93% people live in urban areas (684,204). ECONOMIC STATUS OF WOMEN Working Women Over the seven counties, approximately 55% of all women 16 years of age and older are employed. By comparison, approximately 62% of men are employed. The percentages of women 16 years of age and older who are working in the seven counties differs slightly by race/ethnicity (Table 3.9). Table 3.9 Percentage of Women Working by County and Race/Ethnicity1,2 Genesee Livingston Monroe Mon-ROC Rochester Ontario Orleans Wayne Yates TOTAL White Black 58.2% 59.4% 58.5% 59.0% 56.3% 60.6% 53.6% 60.0% 53.8% 58.6% 51.2% 48.3% 53.9% 63.1% 52.0% 52.5% 17.2% 49.9% 92.3% 53.2% Hispanic 50.4% 56.3% 50.4% 59.9% 46.9% 53.7% 32.1% 58.0% 54.0% 50.3% American Indian 61.8% 45.5% 46.3% 56.1% 37.5% 25.0% 43.6% 45.8% 80.0% 47.3% Asian 26.9% 49.3% 53.1% 53.8% 51.3% 45.4% 60.9% 59.9% 17.8% 52.8% Other 44.5% 55.5% 53.0% 63.3% 49.3% 58.8% 61.3% 64.8% 56.7% 53.4% Source: US Census 2000, SF 3, Table P150 The U.S. Census 2000 also reports the numbers of women “in the labor force” who are working. This includes only women working and looking for work. It does not include women who are not looking for work or have chosen not to work. The percentages of women in the labor force who are working across all counties are 96.1% for white women, 88.8% for black women, 87.1% for Hispanic women, 85.7% of Native American women, 92.1% of Asian women, and 88.8% of all other women. Distribution of Income by Households The median household incomes of the seven study counties, as well as the median income for New York State and the United States, are shown in Table 3.10. The median income for all households in Genesee, Livingston, Orleans, and Yates Counties are below the median income for New York State. Genesee, Orleans, and Yates Counties’ median income also are below the median income for the US. 1 Table 3.9 are percentages of women who are employed, out of all women over the age of 16 years in each racial/ethnic group in the county. The percentages do not include women who are in the Armed Forces. 2 Because the number of individuals in some racial/ethnic groups are very small in many of the townships, there is the possibility that individual women could be identified. Thus, there is no accompanying table for Table 3.9 in the Appendix. 41 Results Chapter 3 The median annual income for Monroe County is higher than all others. However, the medians for the city of Rochester are substantially lower than all others. Median household incomes for all but 2 of the 19 townships in Monroe County, excluding Rochester, are higher than those in all other counties. Total family and married couples’ median incomes are substantially below the NYS and US medians in Genesee, Orleans, and Yates Counties. Median income in female heads of households is the lowest of all households. Within families, FHH have the lowest median incomes across all counties.36 FHH not in families, which includes FHH of all ages and living alone or with another, have lower median incomes than FHH in families. Those with the lowest annual income are FHH 65 years of age and older who are living alone. Table 3.10 Median Income in Dollars by Selected Households Families All Total Married Households Families couples Genesee $40,542 $47,771 $52,765 Livingston $42,066 $50,513 $56,057 Monroe $44,891 $55,900 $66,406 Rochester $27,123 $31,257 $48,400 Ontario $44,579 $52,698 $58,627 Orleans $37,972 $42,830 $49,013 Wayne $44,157 $51,495 $57,267 Yates $34,640 $40,681 $46,290 NYS $43,393 $51,691 $61,995 USA $41,994 $50,046 $57,345 Source: US Census 2000, SF 3, Tables P53, PCT 40, & PCT 42 FHH $25,223 $23,639 $25,265 $17,953 $27,271 $22,647 $25,437 $20,022 $26,148 $25,458 Non-Families FHH 65+ yrs, FHH living alone $19,968 $14,436 $19,634 $15,847 $22,796 $16,237 $18,296 $13,081 $21,370 $15,822 $18,558 $14,953 $18,134 $12,830 $16,675 $13,982 $22,917 $14,395 $21,594 $14,653 Income is unevenly distributed (Table 3.11). Approximately one in five households in the seven study counties have an annual income of less than $20,000, while approximately one in ten have an annual income $100,000 and above. The disparities are dramatic comparing FHH in families and in non-families, with approximately 40% of these groups having an annual income of $20,000 or less, compared to only 2-3% having an annual income of $100,000 or more. 36 Median incomes for FHH in families in the townships of Monroe County excluding Rochester range from $23,984 in Parma to $43,250 in Mendon, and for married couples from $56,371 in East Rochester to $105,980 in Pittsford. 42 Results Chapter 3 Table 3.11 Distribution of Annual Income < $20,000 and > $100,00037 All Households Income $20,000 and less Genesee 19.3% Livingston 20.5% Monroe 21.1% Monroe –ROC 13.3% Rochester 38.5% Ontario 18.1% Orleans 22.0% Wayne 19.2% Yates 25.2% TOTAL 20.6% Income $100,000 and more Genesee 6.0% Livingston 7.3% Monroe 13.1% Monroe-ROC 17.0% Rochester 4.7% Ontario 10.3% Orleans 5.2% Wayne 8.1% Yates 4.9% TOTAL 11.3% Source: US Census 2000, SF 3, Table QT-P32 Total Families Families Married couples FHH Nonfamily HH*38 10.9% 12.5% 13.1% 6.4% 33.0% 10.2% 14.8% 11.4% 16.8% 12.7% 6.4% 20.8% 5.3% 3.8% 13.3% 5.6% 7.9% 6.0% 10.6% 6.6% 34.5% 69.6% 40.0% 23.0% 54.0% 34.7% 44.7% 36.3% 49.9% 40.7% 41.7% 69.7% 37.7% 30.6% 48.5% 38.3% 42.9% 43.4% 49.8% 40.3% 7.7% 9.2% 17.6% 21.8% 5.7% 12.7% 6.4% 9.8% 6.2% 14.7% 9.0% 11.3% 22.6% 25.2% 10.4% 15.0% 7.9% 11.8% 7.3% 18.5% 1.2% 1.2% 2.3% 3.7% 1.3% 3.5% 4.1% 1.3% 1.5% 2.2% 1.7% 2.0% 4.2% 5.2% 2.9% 3.6% 4.1% 2.5% 1.8% 3.7% In total, the distribution of income reveals a pattern of lowest median household income in the city of Rochester. The surrounding Monroe County townships, excluding Rochester, have the highest median household incomes. The six other counties have median incomes between the two. Clearly the suburbs of Monroe County have the highest concentration of affluent households in the seven county region. The median outcomes of the six other counties are closer to that of the city of Rochester than to the suburbs of Monroe County. The Woods & Poole Wealth Index (a weighted measure that includes sources of income as well as assets such as home values) compares different localities using 100 as the U.S. average. On this scale, Monroe County scores above the national average while all the other study counties score below 80 on the wealth index (Woods & Poole Economics, Inc., 2002). 37 These data are not available by town. Thus, there is no accompanying table in Appendix A. 38 Non-family HH includes women and men. These data are not available for FHH and MHH separately. 43 Results Chapter 3 Distribution of Earnings by Gender for Individuals In the seven county area, as shown in Table 3.12, women who work full-time, year-round39 earn approximately 70% of what men earn. The ratio of female to male full-time earnings is 4% to 8% lower than the overall percent for New York State and 0% to 4% lower than the average for the US. The ratio of female to male earning among those who work part-time is better. However, all of these incomes are low. Monroe County has the highest median incomes for individual women and men in the seven counties. Yates County has the lowest median individual incomes, even lower than the median incomes found in the City of Rochester. In Rochester the median income for women and men combined is $27,304. The median for males is $30,521 and for females is $25,139 (full-time, year round earnings). Among men, Yates County is the only county with a median income lower than the city of Rochester. Among women, median incomes in Genesee, Orleans, and Yates Counties are lower than in the City of Rochester. Table 3.12 Median Earnings for Women and Men, 16 Years of Age and Older, in Dollars Median earnings Genesee Livingston Monroe Worked full-time, year-round Ontario Orleans Wayne Yates NYS US $31,421 $28,818 $31,904 $25,962 $35,949 $32,098 Male $34,430 $36,599 $41,279 $36,732 $32,450 Female $23,788 $25,228 $29,553 $26,139 $22,605 % Female/Male ratio 69% 69% 72% 71% 70% Part-time and/or not year round Total $9,182 $ 6,670 $ 9,650 $ 8,945 $ 8,310 Male $10,733 $ 6,975 $ 9,752 $ 9,831 $10,085 Female $8,443 $ 6,389 $ 9,589 $ 8,360 $ 7,385 % Female/Male ratio 79% 92% 98% 85% 73% Source: US Census 2000, SF3, Table PCT 47 (full & part time separated) Full and Part time (combined) Total $21,641 $18,841 $25,602 $23,554 $20,269 Male $28,327 $24,814 $32,040 $30,037 $26,832 Female $15,787 $13,703 $20,501 $18,208 $15,034 % Female/Male ratio 56% 55% 64% 61% 56% $36,825 $26,470 72% $29,671 $21,566 73% $40,236 $31,099 77% $37,057 $27,194 73% $ 9,280 $10,188 $ 8,761 86% $ 7,089 $ 8,544 $ 6,436 75% $10,406 $11,722 $ 9,450 81% $11,217 $12,232 $10,494 86% $24,259 $30,652 $18,903 62% $17,457 $22,528 $13,013 58% $26,247 $31,096 $21,670 70% $29,458 $29,458 $18,957 64% Total $30,009 $31,316 $35,699 Source: US Census 2000, SF 3, Table P 85 (full & part time combined) Level of education does not equalize the earnings gap between women and men. National data show that, at all levels of educational preparation, men earn more than women (Figure 3.4). 39 Full-time, year round earnings are the standard used by the Institute for Women’s Policy Research for reporting comparisons between earnings for women and men. 44 Results Chapter 3 Figure 3.4 Percent Earnings of Women Compared to Men by Education40 Professional Doctorate Masters Bachelors Associates Some college HS graduate 9th- 12th grade < 9th grade 0% 10% 20% 30% 40% 50% 60% 70% 80% The Department of Labor provides a detailed list of jobs and normative salaries for entry level, median, and experienced workers. Tables 3.13 and 3.14 reflect jobs traditionally held by women as well as less traditional markets that women are currently entering. Table 3.13 Traditional Female Employment (Annual Occupational Wages)41 Job Title Entry NY State Entry Western NY Median Western NY $17,010 $32,070 Median New York State $42,800 $53,300 $36,480 $42,510 Upperlevel NY State $62,410 $62,720 Upperlevel Western NY $50,720 $49,760 Education Registered Nursing Food Preparation Hostesses Restaurant Hairdresser $21,520 $37,650 $12,750 $12,750 $16,160 $14,270 $22,430 $17,890 $13,010 $12,630 $18,790 $13,570 $23,240 $14,730 Maid $12,990 $12,960 $16,880 $14,680 $25,210 $17,740 $21,360 $14,490 $21,360 $14,490 $27,870 $17,360 Childcare Provider Administrative Assistant $14,600 $12,810 $20,140 $16,960 $22,680 $20,330 $21,390 $20,000 $25,490 $23,120 $27,020 $24,260 SSS for Monroe County42 SSS for Yates County $36,936 $30,348 A comparison of the self-sufficiency standards for the seven study counties clearly highlighted that traditional female employment (e.g., administrative assistants, housekeepers, restaurant waitresses) does not pay a wage that meets the self-sufficiency standard in any of the study counties. Figure 3.14 illustrates types of employment women in the seven county study area hold that are both traditional and non-traditional. While percentages differ across the study counties, a consistent theme is evident. Women are primarily in jobs defined as “traditional female 40 Institute for Women’s Policy Research, 2001 data NYS Department of Labor (2003) 42 Single mother with one infant and one pre-school aged child 41 45 Results Chapter 3 employment” with very low numbers of women in more non-traditional roles such as financial specialists, architects and engineers, and construction workers. Women in nontraditional jobs (e.g., engineers, dentists, chief executive officers) are more likely to be economically self-sufficient. There is a notable paucity of non-traditional jobs held by women across the study counties. Thus, despite the progress that women have made in terms of equal rights, these rights do not extend to job markets that have been dominated by men. Table 3.14 Numbers of Women in Selected Jobs43 Traditional Female Positions Genesee Livingston Monroe Ontario Orleans Wayne Yates Total for Region Percent Held by Women Management Sales & Office Professional (teachers, nurses, RT, OT) Service (waitress, hotel staff) 4,532 4,771 3,554 5,211 5,264 3,874 69,988 58,949 49,287 9,401 8,063 6,664 2,686 2,706 1,958 7,521 7,106 5,427 1,680 1,692 1,212 101,089 88,551 71,976 39% 34% 28% 2,961 3,086 28,957 4,520 1,960 3,801 1,348 46,633 18% Business and financial operations (CEO, CFO) Transportation and material moving Architecture and engineering Construction, extraction and maintenance 368 446 818 95 11,457 4% 297 409 2,721 529 414 594 168 5,132 2% 37 101 1,733 146 23 223 2 2,265 1% 72 112 919 85 49 154 38 1,429 1% Non-Traditional Female Positions 8,307 1,097 326 Demographics of Poverty Individuals. Across the study region, 10.4% of individuals are living at or below the federally defined poverty threshold, with the percentages ranging from 7.3% in Ontario to 13.1% in Yates. The percentages of females in poverty, averaging 11.4% across the seven counties, exceeds that of men, which averages 9.3%. The total number and percentage of individual women and girls living in poverty and the distribution of women and girls in poverty by age in the seven study counties in shown in Table 3.15. There are more women living in poverty than men in all seven counties (Table 3.15, column 3). The highest percentages of girls (less than 18 years of age) in poverty are found in Yates County and in the city of Rochester. Livingston County has the lowest percentage of girls in poverty and the highest percentage of women aged 18-64 living in poverty. Monroe County, excluding Rochester, has the highest percentage of elder women, 65 years of age and older, living in poverty. This is the only indicator of poverty in which 43 US Department of Labor, 2000 http://labor.state.ny.us/publications, Thousand Oaks, CA, 371-389 46 Results Chapter 3 women in Monroe County, excluding Rochester exceeds the percentages of all other counties and the city of Rochester. Table 3.15 Numbers and Percentages of Females in Poverty by Age44 % of those Total # of in poverty females in who are poverty female Genesee 2,631 58.5% Livingston 3,459 57.5% Monroe 44,654 56.3% Monroe-ROC 14,470 58.8% Rochester 30,184 55.2% Ontario 4,168 58.7% Orleans 2,518 57.5% Wayne 4,527 57.1% Yates 1,800 58.6% 7 COUNTIES 63,757 56.8% Source: US Census 2000, SF 3, Table PCT49 # of females < 18 in poverty 727 721 14,570 3,364 11,206 1,187 887 1,389 674 20,155 % of females in poverty < 18 27.6% 20.8% 32.6% 23.2% 37.1% 28.5% 35.2% 30.7% 37.4% 31.6% # of females 18-64 in poverty 1,534 2,463 25,136 8,125 17,011 2,397 1,466 2,434 941 36,371 % of # of % of females in females females poverty 65+ in in poverty 18-64 yrs poverty 65+ yrs 58.3% 370 14.1% 71.2% 275 8.0% 56.3% 4,948 11.1% 56.2% 2,981 20.6% 56.4% 1,967 6.5% 57.5% 584 14.0% 58.2% 165 6.6% 53.8% 704 15.6% 52.3% 185 10.3% 57.0% 7,231 11.3% While a higher percentage of females than males lives in poverty across all ages (56.8% versus 43.2%), the number and percentages of children in poverty is almost equally distributed between girls (20,155 - 49.4%) and boys (20,605 - 50.6%). The numbers and percentages of all children living in poverty in are shown in Table 3.16. As will be shown in the next section, Female Heads of Households with children comprise a large percentage of all those living in poverty. Therefore, it is informative to examine the percentages of individual women and children living in poverty. Across the seven counties 75.1% of those living in poverty are women and children. Percentages range from a low of 70.5% in Livingston County to a high of 81.3% in Yates County. In ascending order, the percentages of women and children living in poverty in the other counties are: Genesee, 74.4%; Monroe 75% (excluding Rochester, 71.4%; city of Rochester, 76.6%); Wayne, 75.3%; Ontario 76%; and Orleans, 78.8%. 44 Table 3.15, Column 3 is the percentage of females in poverty out of all persons (females and males) in poverty. Columns 5, 7, & 9 are the percentages of females in poverty within that age group out of all females in poverty. 47 Results Chapter 3 Table 3.16 Numbers and Percentages of Children in Poverty by Age # of preschool children (< 5 yrs) 507 610 9,865 % of preschool children (< 5 yrs) 11.3% 15.1% 17.7% Genesee Livingston Monroe Monroe1,872 5.3% ROC Rochester 7,993 39.9% Ontario 887 11.7% Orleans 578 17.3% Wayne 1,030 14.1% Yates 493 25.6% 7 COUNTIES 23,835 17.0% Source: US Census 2000, SF 3, Table PCT49 # of schoolaged children (6-11 yrs) 490 422 11,437 % of schoolaged children (6-11 yrs) 9.5% 8.5% 17.1% # of teenagers children (12-17 yrs) 443 473 8,075 % of teenagers children (12-17 yrs) 7.7% 8.2% 12.9% # of all children in poverty 1,440 1,505 29,377 % of all children in poverty 9.3% 10.2% 15.9% 2,394 9,043 910 691 994 466 26,847 5.4% 39.6% 10.2% 17.7% 11.3% 22.3% 16.0% 2,184 5,891 620 548 811 410 19,455 4.9% 33.4% 7.2% 13.4% 8.9% 18.2% 12.1% 6,450 22,927 2,417 1,817 2,835 1,369 70,137 5.2% 37.9% 9.6% 16.1% 11.3% 21.9% 15.0% Poverty is not equally distributed by race/ethnicity (Table 3.17). The highest percentages of poverty are found among Hispanic women in Genesee and Monroe Counties. In Ontario, Orleans, Wayne, and Yates Counties, African American women have the highest percentages of poverty. In Livingston County, American Indian women have the highest percentage of females in poverty. There also are relatively high percentages of poverty among women included in the “Other” category. This category includes Native Hawaiian/Pacific Islanders, women declaring two or more races, and women grouped in a category of ‘other’ in the U. S. Census 2000. The lowest percentages of poverty are found in white women, averaging 7.6%, and Asian women, averaging 9.8%, across all seven counties. It is notable that among African American and Hispanic women, rates of poverty are consistently high across all counties. Thus, whether minority women live in urban, suburban, or rural areas, they have a higher likelihood of living in poverty compared to white women. Table 3.17 Numbers and Percentages of Females in Poverty by Race/Ethnicity45,46 % Native % Native % Black Hispanic Hispanic American American Asian % Asian White % White Black Genesee 2,317 8.1% 130 34.7% 94 37.9% 46 17.2% 21 Livingston 3,169 7.2% 49 20.4% 87 27.1% 37 41.6% 58 Monroe 18,937 6.7% 16,389 31.7% 7,200 37.4% 276 24.5% 888 Other % Other 20.6% 94 20.0% 20.1% 88 19.0% 9.8% 6,101 33.7% Mon-ROC 11,738 5.0% 965 12.5% 906 18.0% 97 18.6% 511 4.1% 774 15.2% Rochester 7,199 15.3% 15,424 35.0% 6,294 44.2% 179 29.7% 377 9.2% 5,327 40.9% Ontario 3,360 7.2% 329 35.9% 294 28.9% 10 16.7% 7 2.0% 304 30.3% Orleans 1,890 10.0% 353 47.8% 192 37.4% 25 21.6% 4 9.5% 156 30.2% Wayne 3,866 8.8% 338 29.1% 180 20.6% 13 9.6% Yates 1,725 14.9% 11 55.0% 34 38.6% 0 7 COUNTIES 35,264 7.6% 17,599 31.9% 8,081 36.2% 407 22.1% 209 21.5% 10 0 19.2% 28 17.2% 988 9.8% 6,980 32.2% Source: US Census 2000, SF 3, Table P75 45 Table 3.17, Columns 2, 4, 6, 8, 10, & 12 are the numbers of women in poverty in the county. Columns 3, 5, 7, 9, 11, & 13 are the percentages of women in poverty out of all women in the county. 46 Because the number of individuals in some racial/ethnic groups are very small in many of the townships, there is the possibility that individual women could be identified. Thus, there is no accompanying table in the Appendix for Table 3.17. 48 Results Chapter 3 Another way to illustrate the relationship between poverty and race/ethnicity is to compare the percentage of those living in poverty to the percentage of the total population of women for each race/ethnicity (Table 3.18). Whereas white females comprise 82.7% of all females in the seven counties, they comprise only 50.9% of all females in poverty. In comparison, African American women comprise only 9.9% of all females, yet they account for 25.4% of females living in poverty. Only white and Asian females have a lower percentage of females in poverty relative to the percent of females in the population. Table 3.18 Percentage of Women in the Population Compared to Women in Poverty/Ethnicity47 All races /ethnicities White Total women 576,906 Women in poverty 69,319 % White % % Native % Native Black Hispanic Hispanic American American Asian % % Asian Other Other 9.9% 23,129 4.0% 1,877 0.3% 10,091 1.7% 7,357 1.3% 35,264 50.9% 17,599 25.4% 8,081 11.7% 407 0.6% 988 1.4% 6,980 10.4% Black 477,167 82.7% 57,285 Source: US Census 2000, SF 3, Table P75 Households. Approximately 10% of all households are living at or below the federally defined poverty threshold, ranging from 7.4% in Ontario to 10.7% in Yates and 10.8% in Monroe. Again, women disproportionately bear the burden of poverty. As shown in Table 3.19, the highest percent of households in poverty are found in FHH in families, 25.9%, followed by FHH in non-families, 16.4%, compared to 2.7% of married couples, 12.5% of MHH in families, and 14% of MHH not in families. Figure 3.5 illustrates the numbers of all households and FHH living in poverty in each of the seven counties. The pattern of distribution of poverty within each type of household reflects the median incomes in the seven study counties. In every type of household, the highest percent of those living in poverty are in the city of Rochester, followed by the six other counties. Monroe County, excluding Rochester, has the lowest percent of households living in poverty in every category. 47 Table 3.18: The percentages in row 2 are the percentages of women within each racial/ethnic group, out of the total number of women in the population. The percentages in row 3 are the percentages of women within each racial/ethnic group, out of the total number of women in poverty. 49 Results Chapter 3 Table 3.19 Percentages of Households At or Below the Federal Poverty Threshold Households in Poverty % of % of Married Total HH Couples Genesee 7.8% 2.8% Livingston 9.8% 2.4% Monroe 10.8% 2.6% Monroe-ROC 5.1% 1.5% Rochester 23.5% 8.2% Ontario 7.4% 2.1% Orleans 9.1% 3.3% Wayne 8.5% 2.8% Yates 10.7% 4.8% TOTAL 10.0% 2.7% Source: US Census 2000, SF 3, Table P92 Families % of FHH 20.0% 23.2% 27.3% 12.1% 39.8% 19.4% 26.9% 20.7% 31.8% 25.9% % of MHH 11.7% 11.1% 13.7% 5.6% 25.3% 7.4% 11.4% 11.9% 11.3% 12.5% Non-Families % of % of FHH MHH 15.4% 9.2% 20.9% 16.9% 16.1% 15.1% 11.2% 8.6% 24.6% 22.7% 15.3% 9.9% 13.0% 11.7% 18.2% 11.1% 20.0% 9.1% 16.4% 14.0% Figure3.5 Numbers of All Households and FHH Living in Poverty 35,000 30,000 25,000 20,000 15,000 10,000 5,000 0 Total Households FHH in families FHH not in families Genesee 1774 420 606 Livingston 2,181 502 761 Monroe 31,054 10,228 9051 Ontario 2,829 740 1007 Orleans 1,392 473 305 Wayne 2,967 733 2266 Yates 968 269 803 Examination of the distribution of households in poverty shows that among households living in poverty, 31% are FHH in families, 30.1% are FHH not in families (FHH total of 61.1%), 13.4% are married couples, 4.8% are MHH in families, and 20.7% are MHH not in families (Figure 3.6). 50 Results Chapter 3 Figure 3.6 Distribution of Household Type Among Households in Poverty 100% M a le H H* N ot in Fa m ilie s M a le H H* in Fa m ilie s 80% M a r r ie d C ouple s 60% Fe m a le HH * N ot in Fa m ilie s 40% 20% Fe m a le HH * in Fa m ilie s 0% To ta l Mo n ro On e ta r io Wa yn e Ge ne see Liv in g s to O rl n ean Ya s te s * H H = He ad of H ou se h ol d Further subdivision of FHH in families demonstrates that FHH with children under the age of 18 have the highest percentage of those in poverty compared to any other family group. (Table 3.20) Table 3.20 Percentages of Families With and Without Children Under the Age of 18 At or Below the Federal Poverty Threshold Families in Poverty Living WITH children < 18 Living WITHOUT children <18 % of % of Married % of Married % of % of % of MHH FHH MHH Couples Couples FHH Genesee 3.7% 16.5% 1.8% 5.4% 2.5% 27.4% Livingston 2.8% 11.9% 2.0% 3.9% 9.5% 30.4% Monroe 3.6% 17.9% 1.7% 7.0% 7.4% 35.6% Monroe-ROC 1.5% 5.6% 11.2% 11.2% 8.6% 12.1% Rochester 8.2% 39.8% 25.3% 24.6% 24.6% 22.7% Ontario 2.8% 9.7% 1.5% 5.1% 3.2% 26.1% Orleans 4.7% 14.8% 2.0% 4.5% 2.7% 36.9% Wayne 3.2% 15.8% 2.5% 0.0% 1.9% 28.2% Yates 7.9% 15.4% 2.4% 4.6% 0.0% 42.4% TOTAL 3.6% 16.2% 1.8% 6.1% 6.1% 34.0% Source: US Census 2000 Summary File 3, Table P90 By examining only families in poverty that include women, one can further elucidate those women at greatest risk. Among FHH in families who are living at or below the poverty threshold 93.1% have children under the age of 18. The distribution across the seven counties is shown in Figure 3.7. In comparison, among married couples in poverty, 64.3% have children 17 years of age and younger. 51 Results Chapter 3 Figure 3.7 Percentages of Female Heads of Households in Families Living in Poverty With and Without Children under 18 Years of Age. 100% 80% 60% 40% 20% 0% Genesee Livingston With Children <18 92% 95% Without children <18 8% 5% Monroe Ontario Orleans Wayne Yates 89% 89% 95% 100% 96% 11% 11% 5% 0 4% Examination of all families in poverty by race and ethnicity reveals disparities in the percentages. As shown in Figure 3.8 of all white families in poverty 54% are FHH. Of all African American families in poverty, 79% are FHH. Of all Hispanic families in poverty, 71% are FHH. Figure 3.8 Percent of Female Heads of Households in Families in Poverty of all Families in Poverty. Other Ethnicities FHH Hispanic FHH Black FHH White FHH 0% Percent of all families in Poverty 10% 20% 30% 40% 50% 60% 70% 80% White FHH Black FHH Hispanic FHH Other Ethnicities FHH 54% 79% 71% 37% The percentages of FHH in families with children under 18 years of age who are in poverty are fairly consistent across race/ethnicity (Figure 3.10). Among white FHH in families, 91% have children under the age of 18. Among African American FHH in families, 95% have children under the age of 18. Among Hispanic FHH in families, 93% have children under the age of 18. A lower percentage of FHH in poverty categorized as “Other” (Asian, Pacific Islander, Native American) have children under the age of 18 children (77%). 52 Results Chapter 3 Figure 3.9 Percentage of Female Heads of Households (in families) in Poverty who have Children Under 18 Years of Age. Other Ethnicities FHH Hispanic FHH African American FHH White FHH 0% FHH with Children 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% White FHH African American FHH Hispanic FHH Other Ethnicities FHH 91% 95% 93% 77% Clusters of poverty were noted across the study counties and included Batavia, North Dansville, Rochester, Greece, Geneva, Albion, Arcadia, and Milo. These areas had distinctive concentrations of women and children in poverty. Interestingly, six towns had no documentation of women and children in poverty and included Pavilion, Stafford, Ossian, York, Ogden, and Seneca. The demographics of poverty among women shift from those with young children to elder women, depending on whether or not they live in families. In the majority of FHH in families (83.4%) and married couples (53.9%), the householder is under the age of 45. On the other hand, among FHH not in families, the large majority of women are 45 years of age or older (60.6%), with 42.7% of FHH not in families being over the age of 64 (refer to Table 3.5). Although the distribution of poverty by gender and race/ethnicity is consistent with national data, this report quantifies the extent of poverty among women and children over the seven counties under study. Clearly, the burden of poverty is shouldered in large part by women, especially female heads of households with children under the age of 18. The disparities in the distribution of poverty across race and ethnicity also are significant. Temporary Assistance. Another indicator of the struggle toward ESS is the extent to which individuals rely on temporary public assistance.48 Figure 3.10 shows the number of recipients of Temporary Assistance in the seven counties for 2003. Temporary Assistance includes Family Assistance and Safety Net Assistance. 48 Source: New York State Office of Temporary and Disability Assistance. Data available from the New York State Office of Temporary and Disability Assistance are not provided by gender. Therefore, data about Temporary Assistance is presented for all recipients, female and male. 53 Results Chapter 3 Figure 3.10 Recipients of Temporary Assistance for the Year 2003 35,000 30,000 25,000 20,000 15,000 10,000 5,000 0 Genesee Total Adults Children 616 358 258 Livingston 1,157 558 599 Monroe 30,593 18,539 12,054 Ontario 1,280 673 607 Orleans 877 496 381 Wayne 1,068 580 488 Yates 197 108 89 From 2000 to 2003, the number of recipients of Temporary Assistance substantially increased in Livingston and Ontario Counties and substantially decreased in Monroe and Orleans Counties (Table 3.21). However, as shown in Figure 3.11, the percentage of the population receiving Temporary Assistance in each county has remained relatively stable since 2000, ranging from 2% to 5% of all households. This information provides only an estimate of numbers of households headed by females who receive Temporary Assistance. Table 3.21 Number of Recipients of Temporary Assistance Year 2000 2001 2002 Genesee 607 590 551 Livingston 980 1,038 1,107 Monroe 37,313 31,984 30,263 Ontario 1,019 1,075 1,186 Orleans 1,069 1,054 993 Wayne 1,074 844 957 Yates 187 147 183 Total 42,249 36,732 35,240 Source: NYS Office of Temporary and Disability Assistance 54 2003 616 1,157 30,593 1,280 877 1,068 197 35,788 % change from 2000-03 1.5% 18.1% -18.0% 25.6% -18.0% -0.6% 5.3% 14.0% Results Chapter 3 Figure 3.11 Percentage of Individuals Receiving Temporary Assistance from 2000 to 2003. G enesee L iv in g sto n M o n ro e O n ta rio O rle a n s W ayn e Y a te s 6% 5% 4% 3% 2% 1% 0% 2000 2001 2002 2003 It should be noted that averaged over the seven counties, 10.4% of individuals were living at or below the federal poverty threshold. Yet, only 3.2% of individuals were receiving Temporary Assistance (cash) in 2003. Over the same period of time, 2000-2003, the percentages of individuals receiving Food Stamps increased in every county, ranging from 20.2% in Monroe County to 45.3% in Wayne County. By 2003, 4.8% of the population in Ontario County to 9.1% of the population in Monroe County was receiving Food Stamps. These figures demonstrate that a significant proportion of persons living at or below the poverty threshold do not receive public assistance. Beyond Poverty to Economic Self-Sufficiency Examining poverty in terms of federally defined thresholds takes into account only one level of economic insufficiency. Federal Poverty Guidelines’ main purpose is to establish eligibility for public (and often private) assistance. By definition income at these levels is not enough to adequately meet basic needs. To fully understand ESS it is essential to go beyond federal thresholds and evaluate women’s economic status relative to a level of income necessary for a given family to meet their basic needs, that is, independent of Temporary Assistance for Needy Families (formerly known as welfare) and/or other public or private subsides. The Self-Sufficiency Standard (SSS), developed by the Family Economic Self-Sufficiency Project of Wider Opportunities for Women49 is one means of estimating income adequacy. The SSS is based on the proportion of income spent in seven categories of needs: housing, childcare, food, health care, transportation, taxes, and miscellaneous expenses (e.g., clothing, shoes, paper products, diapers, cleaning products, personal hygiene items, and telephone). It is unique in that it takes into account geographical differences in cost of living, as well as 49 Six Strategies for Family Economic Self-Sufficiency. (http://www.sixstrategies.org) 55 Results Chapter 3 differences among families of varying composition. This standard assumes that adults in the household are working full-time and are independent of private and/or public subsides. The SSS has been calculated for families of varying composition in geographic regions across in the United States, including each county in New York State.50 Table 3.22 presents examples of SSS calculations for the most expensive (Monroe) and least expensive (Yates) counties in the study area. Three household compositions were chosen for illustration. One adult with two children, one of whom is an infant, was chosen to highlight the cost of childcare. One adult with two children between the ages of 6 and 17 was chosen because this grouping comprises the largest percent of FHH in families with children in all seven counties (refer to Table 3.4). One adult living alone was chosen to represent the majority of elder women. As can be seen, the federally defined poverty thresholds are significantly less than the income indicated by the SSS as necessary to cover basic needs. Table 3.22 Self-Sufficiency Standard for Monroe and Yates Counties Compared to Federal Poverty Thresholds Housing Child Care Food Transport- Health ation Care Misc. Taxes51 Monthly income Annual income Monthly expenses for one adult, one infant and one school aged child Monroe $609 $1,093 $325 $190 $242 $246 $374 $3,078 $36,936 Yates $480 $881 $325 $190 $242 $212 $200 $2,529 $30,348 Federal poverty level for three persons $1,272 $15,264 Monthly expenses for one adult, one school aged child and one teenager Monroe $609 $368 $429 $190 $274 $184 -$3 $2,024 $24,288 Yates $480 $281 $325 $190 $247 $163 -$147 $1,643 $19,716 Federal poverty level for three persons $1,272 $15,264 Monthly expenses for one adult Monroe $501 0 $164 $185 $103 $95 $224 $1,272 $15,264 Yates $400 0 $164 $185 $103 $85 $183 $1,120 $13,440 Federal poverty level for one person $748 Figure 3.12 illustrates annual income deemed adequate by the NYS Self-Sufficiency Standard for a family of three that includes one adult, one school-age child and one teenager in each of the seven study counties. 50 51 http://www.sixstrategies.org/files/Resource-StandardReport-NY.pdf Include earned income tax credit, child-care tax credit and child tax credit 56 $8,976 Results Chapter 3 Figure 3.12 Self-Sufficiency Standard for the Seven Study Counties for one adult, one school-aged child, and one teenager $0 $5,000 $10,000 $15,000 $20,000 Yates $19,716 Wayne $24,288 Orleans $22,284 Ontario $24,288 Monroe $24,288 Livingston $22,428 Genesee $22,284 $25,000 Column 3 of Table 3.23 illustrates the estimated percentage of FHH living between the federal poverty threshold52 and the Self-Sufficiency Standard53 for a FHH with two children between the ages of 6 and 17. Rochester has the highest percentage of FHH in families living at or below the SSS, while the townships that comprise Monroe County excluding Rochester have the lowest percentage. Over 60% of FHH in Yates County and in the city of Rochester are estimated to be living at or below the SSS. In the other counties, with the exception of Monroe County excluding Rochester, close to 50% of FHH in families are living at or below the SSS. Given that approximately 90% of FHH in families have children, it is likely that these estimates closely reflect the economic living conditions of that group. 52 53 The actual poverty threshold for a family of 3 is $15,264. A bottom end cut-off of $15,000 was used in this illustration The actual Self-Sufficiency Standard for this family composition varies as shown in Figure 3.14. A top end cut-off of $25,000 was used in this illustration as the SSS for six of the seven counties is between $20,000 and $25,000. Census data are available only in $5,000 groupings up to $50,000. 57 Results Chapter 3 Table 3.23 Estimates of Percentages of Female Heads of Households Living At or Below the Self-Sufficiency Standard FHH in families % living % living BETWEEN at or below ≈ poverty threshold ≈ poverty threshold ($15,000/yr) (< $15,000/yr) & ≈ SSS ($25,000/yr) Genesee 22.7% 26.7% Livingston 28.4% 24.7% Monroe 29.4% 20.1% Monroe-ROC 14.2% 17.9% Rochester 42.0% 22.1% Ontario 22.7% 23.2% Orleans 29.8% 24.8% Wayne 25.0% 24.2% Yates 33.3% 29.1% Source: US Census 2000, SF 3, QT-P 32 TOTAL % living at or below Self-Sufficiency Standard 49.4% 53.1% 49.5% 32.1% 64.1% 45.9% 54.6% 49.2% 62.4% Although much attention is focused on those living at or below the federal poverty threshold, it is noteworthy that approximately 25% of FHH with 2 children aged 6 to 17 are living above the poverty threshold but below the SSS (refer to Table 3.22 Column 3). Women living between the federally defined poverty threshold and the SSS are not eligible for most social service assistance and must struggle to make ends meet. Data are not available to examine the percentages of women not in families who are living between the poverty threshold and the SSS. However, median income is available to examine self-sufficiency in FHH not in families with a focus on elder women. The data in Table 3.24 show that the median income for FHH living alone is close to the SSS. Thus, approximately 50% of FHH living alone are living at or below the SSS. 58 Results Chapter 3 Table 3.24 Median Household Incomes for Female Heads of Households Not in Families Non-Families FHH all ages Genesee $19,968 Livingston $19,634 Monroe $22,796 Rochester $18,296 Ontario $21,370 Orleans $18,558 Wayne $18,134 Yates $16,675 NYS $22,917 USA $21,594 Source: US Census 2000, SF 3, Table PCT42 FHH 65+ yrs living alone $14,436 $15,847 $16,237 $13,081 $15,822 $14,953 $12,830 $13,982 $14,395 $14,653 FHH 65+ yrs living with another $22,500 $24,107 $33,654 $38,333 $15,795 $34,479 $36,250 $23,571 $38,547 $35,808 Taken as a whole, the analyses reveal that ESS is a significant challenge for women who are heads of households, especially if they are living with children under the age of 18, or elder women living alone. A Glimpse of How Poverty Affects Women: Qualitative Data The aim of the qualitative data is to ascertain how women who receive services, are in poverty, or who work with women in need of services determine what they think will help them become more self sufficient. In all three groups, women were asked to identify their primary needs. In the focus groups comprised of service recipients and service providers, participants were asked to identify their needs and barriers to fulfilling these needs, as well as services that could help them achieve ESS. Women in all three groups were asked to define ESS. Similar topics are consistently mentioned in all three groups. Therefore, data are first presented in the tables by needs for, and barriers to, achieving ESS organized by the responses of the three groups of women. Next, the narrative data are organized by topics. Last, women’s definitions of ESS are presented along with their perceptions of the means necessary to achieve ESS. Description of Participants The qualitative data were collected from participants in three groups. The first is service providers. One hundred forty three service providers were invited to participate in focus groups. Eighty-one, or 57%, representing 68 different non-profit agencies participated. Nine focus groups were held, with 6 to 11 persons in each group. The majority of participants were 59 Results Chapter 3 female with six males attending. The focus groups were held in Monroe, Livingston, Ontario, Yates, Genesee, and Wayne Counties. This group is referred to as the service provider group. The second group is 34 women receiving services in three of the seven counties (Monroe, Ontario, and Yates Counties). These 34 women met in four focus groups. Because of concerns for confidentiality, women participating in focus groups were not asked to provide their names or any other information related to residency, ethnicity, or citizenship. This group is referred to as the service recipients. The third group is comprised of women who participated in a survey, using a structured format and one-on-one interviews. Eighty-seven of the 93 women in the survey data were interviewed while accessing food pantries, shelters, congregate feeding sites and soup kitchens during the summer of 2003. Six of the 93 women were not accessing services and were interviewed in Laundromats. Women completing the survey were from Monroe, Genesee, Ontario, and Livingston Counties. This group is referred to as the survey respondents. Women from Monroe, Orleans, Genesee, Ontario, and Livingston Counties were represented among the survey respondents. Characteristics of survey respondents are as follows: 48% urban and 22% rural 61% apartment rental, 18% rented house, 9% owned homes 50% single, 17% married, 18% divorced, 19% separated, and 5% widowed 69% had children (1 = 25%, 2 = 18%, 3=15%, 4=9%, 5=2%) 51% unemployed, 13% seeking employment 22% full time employment, 12% part time employment 29% owned personal vehicle 54% participated in U.S. Census 2000 58% received Cash Assistance and Food Stamps 66% received NY Medicaid 13% lived in Section 8 Housing 19% received Child-care Subsidies Survey respondents had many characteristics that matched the demographics reported in the U. S. Census 2000 for single female heads of households and women in male heads of households in poverty residing in the seven-county area. Needs to Attain Economic Self-Sufficiency The rank order of needs identified by survey respondents and the percentage of participants who identified each need are presented in Figure 3.13. A copy of the survey is found in the Appendix. 60 Results Chapter 3 Figure 3.13 Percentage of Survey Respondents Identifying Each Need (N = 93) Domestic Violence Shelter Addiction Tx Childcare Self-Esteem Legal Services HS Diploma Job Training Health Insurance Health Care Transportation Housing Living Wage 0% 10% 20% 30% 40% 50% 60% Service recipients also identified what they believed was needed in order to achieve and maintain ESS. Responses were based upon their experiences and observations during implementation of programming as well as interactions with women and the community. Needs identified by members of this group are presented in Figure 3.14. Figure 3.14 Needs Identified Most Frequently by Service Recipients Cash Training Transportation Employment Education 0 5 10 15 20 25 30 35 Service providers also identified what they believed women need in order to achieve and maintain ESS. Service providers identified at least 40 different needs. The needs most frequently identified by service providers are presented in Figure 3.15. 61 Results Chapter 3 Figure 3.15 Frequency of Needs Cited Among Providers of Services Health & preventive services Advocacy Case management Education Training Child care Collaboration among providers Life skills Connection with community Support, voice, respect 0 5 10 15 20 25 Barriers to Economic Self-Sufficiency Service providers and service recipients identified ways in which the social structure creates barriers to ESS. The survey group was not asked specifically about barriers. Barriers comprised almost one-half of data identified during qualitative data analysis. Regardless of the questions asked, service recipients and providers consistently came back to discussing barriers. This dynamic was as strong among providers as it was among women in need of assistance. Frequencies of barriers to self-sufficiency identified by the service recipients are presented in Figure 3.16. Frequencies of barriers to ESS identified by the service providers are presented in Figure 3.17 62 Results Chapter 3 Figure 3.16 Frequencies of Barriers to ESS Identified by Service Recipients No Transportation Classism & racism Complex social system Assumption of morally delinquency Stereotypical jobs that pay less No control over finances No family support No affordable housing Lack of advocacy and respect from DSS System does not allow assistance needed 0 5 10 15 20 25 30 Figure 3.17 Frequencies of Barriers to ESS Identified by Service Providers No control over finances No daycare Mental Illness Poor Collaboration Cultural barriers Lack of advocacy from DSS Low self-esteem Employment with inadequate wage 0 2 4 6 8 10 12 14 16 Services recipients and service providers saw barriers differently. Recipients of services felt that the “system” does not provide the assistance women need. They also voiced problems with advocacy and respect from the Department of Social Services (DSS). Housing and the lack of family support were the second and third most commonly identified barriers. Service providers saw the issue primarily as one of employment that does not provide an adequate, or “living” wage, followed by low self-esteem. The lack of advocacy and cultural barriers were the third and fourth most common barriers identified. 63 Results Chapter 3 Topics Most Commonly Identified This section is organized by topics most commonly identified by study participants. Economic Factors: Jobs, A Living Wage, And Making Ends Meet Of the 93 survey respondents, 29% described their financial situation as extremely bad, and 26% stated it was somewhat bad. Twenty-nine percent said that their financial situation was much worse this year when compared to last year at the same time. When informed of the income deemed necessary to be economically self sufficient by the Self-Sufficiency Standard (SSS), 71% of women said their income was not even close to the SSS and 20% stated their income was far below the SSS. Fifty-seven percent of women thought that the SSS sounded “about right” in order to assure ESS, while 22% thought that it was too low. “I have to suffer it out when I run out of money, I have no one to call. I really budget my Food Stamps so we don’t run out of food. When you have no one, it is more harder, you can’t borrow money. I don’t receive no cash money at all.” (Service Recipient) Some service recipients reported that wages were too low in the jobs they were qualified for or could get. Therefore, they needed to work at more than one job to support themselves and their children. Service recipients and survey respondents also mentioned the wage gap between men and women. “I need a decent job with a good salary; I don’t know why I don’t get jobs. I apply for 10 a week. It gets you down. I’m 38 years old and I don’t need more training.” (Service Recipient) “I’m on the edge of going to work at Burger King, I feel like the little bit of money will help me go farther, so it will make you feel like you are doing something. Right now I can’t afford a pair of socks for my daughter, this makes me feel very bad. I ain’t lookin’ forward to it, I know they [Burger King] will work you like an animal for no pay.” (Service Recipient) “A lot of women need to work two jobs to make ends meet; this affects the whole family.” (Service Provider) “With me and my husband, my husband makes $4.00 too much for us to be eligible for cash assistance, we have no health insurance. My daughter has partial health care because she has some problems but we don’t get cash assistance. I do get food stamps. My husband was in the military. Since getting out we are struggling. My husband makes $174/month at this one job; he works his butt off part time nights and works during the day at a salt-brick plant making $6.25 an hour. We tried to get assistance. I was pregnant, had the baby and immediately got pregnant with another. Birth control pills are $30.00 a month; DEPO is $75.00. This comes out of our pay every three months. It is too expensive to keep a car on the road. Because my husband lost his license, our insurance is $217, telephone is $50.00 a month. I went for 2½ years without telephone or cable, no car, I walk everywhere.” (Service Recipient) 64 Results Chapter 3 Service providers partially attributed the conditions of poverty to lack of jobs that paid a living wage. Because of this, women who are employed full time were still in need of childcare, medical, rent, and transportation subsidies. They also identified the lack of employment opportunities as the primary barrier to achieving ESS among women (this barrier was coded 15 times in provider focus group data and 17 times in the service recipients’ data).54 Service providers who were living and working in the more rural counties spoke of lack of transportation to jobs that pay a living wage and lack of employment opportunities close to home. Urban service providers spoke of women being segregated into stereotypical jobs that hold little promise to pay a wage that could result in ESS. “We see 15,000 women each year; most are 19-34 years of age. They are classified as working poor. They don’t have health insurance, they don’t have benefits, they cannot afford services, and they do not qualify for Medicaid.”(Service Provider) “The distinction between classes and poverty are becoming blurred, you can have it together, however not really be economically self-sufficient. Suburban hunger is on the rise, 27% of the hungry identified in our Hunger Study were people from the suburbs. Their hours at work get cut back, they have no benefits, and small business cannot carry the burden indefinitely.” (Service Provider) How one felt about a job influenced the perception of ESS. ESS was viewed as depending upon having work for which one can feel proud, enjoy going to, and feel like a valued member of the work environment. Like many individuals who work, one participant noted, Job advancement was never mentioned by service recipients or providers. Recipients and providers were focused on accessing jobs that pay a living wage. Most conversations were about the absence of work opportunities that have the potential to raise women out of poverty. Many service providers shared that they themselves were not economically selfsufficient without the income of a partner or spouse. “When I graduated from high school, got my degree, I thought that I would make something of myself. Just has not happened. We need better paying jobs; teenagers in NY City make the same as what we make here. My husband works at a salt-brick plant he makes $6.25 an hour, it is very hard, heavy work, we have no insurance, no benefits. If he hurts his back we are screwed. I am working for $8.56 an hour for ARC but I need $10-$12.00 an hour. I need to get out of this County.” (Service Recipient) One need identified by service providers and recipients was child support. Women heads of households often reported that they experienced erratic or no child support from the fathers of their children and efforts to “go after” men for support were inconsistent. This was a source of frustration and stress. As well, it is very time consuming because of the numerous demands made by the court system. 54 The average number of times a single code was assigned to a particular theme was 5 times in the provider data and 6 times in the recipient data. 65 Results Chapter 3 “This county does not pursue deadbeat fathers. I have never received child support, he might go to jail in September for 5 days, people give up, they don’t have the time, it is ridiculous. I would like to meet with the assemblymen.” (Service Recipient) “This may sound stupid… because he don’t pay child support, he loses his license, he loses his job because he can’t drive to work, it don’t make sense, I sure won’t get any support if he loses his license or goes to jail. This is a waste of my time, nothing is ever done.” (Service Recipient) One focus group of service recipients (n = 6) was primarily made up of elderly women from a low-income housing residence. These women spoke of many financial concerns. One woman defined ESS as, “being able to sleep at night without worrying about paying the bills.” The women in this focus group were all white. One woman was in her 30s and the others were elders. All were widowed or divorced. Most had children who provided them a level of emotional support. However, their children did not have the means or desire to assist financially. All were receiving Social Security,55 four were receiving food stamps, one received SSI, and two received small amounts of money from their husband’s pensions (very small; one shared she received $25.00 a month). Five of the women in this focus group said that they had little fiscal knowledge and poor financial decision-making. They stated that they had to depend upon “Free Food Day”, FoodLink, food stamps, consignment stores for clothing, and doing without things they enjoyed, like baking and buying Christmas presents for their grandchildren, because there was “no money left after you pay the bills.” “Social Security and SSI simply do no provide enough money, if we had money, we would not be here, that’s for sure!” (Service Recipient) “The cost of living is more than what Social Security covers, they [government] need to raise Social Security to match with what it costs to live. We only got a 2% raise when there was a 15% or 20% raise in the cost of living.” (Service Recipient) One elder woman shared a story about her husband who had been very “controlling” over the money in their household stating, “When I asked for money for a cup of coffee, he wanted the change back. He bought everything, all the groceries, even my sanitary pads. He kept all our financial business in a safe. I got the combination as he was in the hospital dying with cancer when my son was nine.” (Service Recipient) This well-spoken woman who was in her 70’s drove her own car and often provided transportation for other residents to doctors’ appointments and grocery stores. She kept (what 55 Social Security provides 90 percent of income for 41 percent of all older women; 25 percent have no other source of income. Women represent 60% of all Social Security recipients at age 65 and by 85, 71% of recipients are women (Wilde and Dagata, 2002). 66 Results Chapter 3 appeared to be) meticulous records of every item purchased, its cost, and her current balance. She remarked that July had been a good month as she had no co-payments to make at her doctor’s office, she did not need medicine, and her gas and electric bill was low. She was very proud of her budget book, stating that it helped her to “feel more in control.” Table 3.24 reflects one month of income and expenses reported by this woman and compares it to the Self-Sufficiency Standard established for one adult in her county. She voiced concern about experiencing an emergency, particularly something mechanical with her car or a health issue like getting pneumonia as she has asthma and often experienced breathing problems. With only $171.79 remaining after the bills were paid, her concern is understandable. Table 3.25 Budget Record of a Female Wayne County Senior56 Source of Monthly Income Monthly Income Food Stamps SSI Social Security $100.00 $289.25 $292.00 TOTALS Self-Sufficiency Standard Monthly Income Self-Sufficiency Standard Annual Income $681.25 $1,242 Source of Monthly Expenses Groceries Rent Electric Phone Car Maintenance Car Insurance Laundry Hair Appointment Amount $141.34 $100.00 $83.00 $30.00 $50.00 $68.12 $16.00 $21.00 $509.46 $ Remaining at the end of the month Annual Income $171.79 $8,175 $14,904 Several women spoke of high cost of medicines and worried about meeting their copayments. They also worried about having enough money to cover costs should they experience an extended illness. Some states subsidize the costs of prescription drugs according to income level and provide varying amounts of cost sharing. In the year 2000, New York extended subsidies to single persons with incomes up to $35,000 and to couples earning up to $50,000. Enrollees are assessed a premium, and higher-income enrollees pay an annual deductible (Holahan, J, 2002). This subsidy was not mentioned during this focus group. Women spoke of using their Medicare to cover part of their medical bills. Some mentioned using a prescription card for medications or having co-payments on some categories of drugs. 56 These figures are based solely upon the self-reported costs for the month of July of one participant in a focus group among seniors living in a lowincome residence. These figures serve as an example to illustrate common income and expenses, not as figures that are can be generalized to the entire elderly population. 67 Results Chapter 3 Housing Housing and assistance with heating bills were commonly identified needs cited by women in this study. Women shared numerous stories of having few choices related to where they live. Affordable housing in safe and healthy areas are very scarce according to services providers and women in search of homes for their families. Rental housing that is covered by subsidies is often barely inhabitable, with little in the way of enforced regulations on keeping housing up to code. Landlords were said to ignore requests for repairs. Pests and unsafe environments with housing located in areas that are ravished with violence, drugs, prostitution, and alcoholism were cited as problems. “DSS does not give you a choice of where you live. As it stands, women are forced to live in death trap areas where there is no maintenance and they have no power to make requests for repairs. Drugs and violence are a problem too. With the housing assistance we get from DSS, the money is inadequate to get into a home that is safe and a decent place to life. If women don’t get into a place that DSS subsidy covers, no matter how bad it is, you will lose your benefit from DSS and have to start all over again with another landlord.”(Service Recipient) “Landlords are not cooperative, we have to fight with them constantly. Big things are wrong with houses around here, children become ill and sick with lead poisoning. We have electricity running through lights, plumbing, heating, gas. We are supposed to have inspections several times a year but it don’t happen. My heater under the sink is not working, it smells really bad, it could catch on fire. We had constant gas leaks in our basement. Every time it would rain, we would have to vacate the house. I had to sleep in the car when I was pregnant and had two kids in the winter. We are always calling the police and fire department but they never fix anything.”(Service Recipient) “We have very few housing options out here. I am afraid of being evicted. It is very frustrating. I cry because I am frustrated. There is no room for my kids’ toys. Everything is in one room. They make it too difficult.”(Service Recipient) Transportation Transportation was one of the most significant needs cited by service recipients. Women who live in urban areas depend upon the bus system. Late buses, long bus routes, bad weather, frequent transfers, and inconvenient bus stops cause stress and consternation. Long periods of time waiting at the bus stop or riding on long routes were often necessary. Other hardships were related to the cost of bus fare and the burden that bus travel imposed on mothers with children. Women in rural areas needed to depend on others for rides. They did not own vehicles or could not afford to keep their car on the road because of high costs of maintenance, insurance, and gasoline. Lack of transportation also was cited as a factor in access to jobs in rural areas where no buses were available. 68 Results Chapter 3 “Transportation is a barrier, not having a car; you don’t always get bus passes from DSS. This makes you at the mercy of DSS for your transportation because they don’t always give you the bus passes you need. Buses do not run when you need them too, sometimes you get to an appointment two hours early, or go to a meeting to find that it has been cancelled and you have to wait a long time to catch a bus to get home.” (Service Recipient) Health Care and Health Insurance Women and their children eligible for services are also eligible for NY Medicaid so their health care visits are covered. In addition, there are children eligible for services whose parents are not. The population of women with the gravest concern in this area is those that fall into the range of having an annual income of $10,000 to $35,000. These women are not eligible for government subsidized health care coverage. Many do not have employers that provide this benefit and they need to either provide their own health insurance or be uninsured. Women can accumulate overwhelming debt with one illness. Even if insured, most have a co-payment. For women who are not earning incomes that meet the selfsufficiency level, these costs can lead to mounting debt. Job Training Service providers and recipients identified that money for job-training programs has decreased. There also was concern about the mismatch between job training and available jobs. Service recipients cited many instances where they were forced to enroll in a training program that they did not perceive added to their cache of skills and did not make them marketable for jobs that were meaningful and paid well. The Community Work Experience Program (C.W.E. P.) and the Volunteers of America Program are perceived particularly as useless by a group of young African American women. Not only did these women see this type of training as a waste of time, they also believed that these types of job preparation increase the stigma of poverty. They said employers would not offer them jobs even if they had interned with the business during this program. They sensed that the employer would rather hire someone other than a person with C.W.E.P. training. “With the C.W.E.P., a lot of places they send you to that don’t give you job experience that will lead to a higher paying job. They make you do things like cooking, cleaning, putting away clothes, that is all they make you do. When I asked to do secretarial stuff they say I can’t.” (Service Recipient) “Employers, they don’t hire you. I do what I am supposed to do. They think they are too good for the C.W.E.P. worker.”(Service Recipient) Interestingly, according to Oscar Best, the Deputy Commissioner of the Division of Income Maintenance from the NYS Office of Temporary Assistance and Disability, “The Community Work Experience Program is a program in which participants are assigned to public or non-profit agencies that provide them with opportunities to develop, demonstrate or maintain basic work habits while performing useful tasks.”57 57 Trans. No. 91 INF-13. (2001). 69 Results Chapter 3 Women service recipients did not feel that the tasks they are assigned to do are useful. Instead, they see them as a “place” where they are assigned to work only to meet their eligibility requirements for assistance. Service recipients perceived the training or programs to which they are assigned as just something to “do” with women who need help. Their perception was that such service programs do not really have to deal with the complex issues that face many women. “I am a product of programs, I was raised in institutions. I was a functional alcoholic for years. My life was one day at a time. I ended up in prison, I don’t need a program.” (Service Recipient) Service providers talked about the change in welfare provisions that force women to work rather than go to school. Even those women who qualify for Temporary Assistance for Needy Families (TANF) must work in government supervised jobs or lose their subsidy. Therefore, encouraging and assisting women to enroll in educational programs is not considered a viable option. “Young women are being encouraged to work rather than go to school. Girls get pregnant at 16. They have the baby. They have to find an apartment in order to get help from DSS, then they go to work at McDonalds. They live from day to day. She has to work 30 hours a week so she does not get sanctioned. A legacy is being perpetuated because fewer girls are getting an education. The more education women have, the higher the likelihood for her children to go to school. This reinforces keeping women down.” (Service Provider) “I wanted to go to school but they threatened to take my benefits if I did not work, they would sanction me. It seems that they want to keep a person stuck. We need child-care, treatment for addiction, school, and work.” (Service Recipient) Education The 93 survey respondents answers to questions about their own educational attainment reflect the U. S. Census 2000 data. Seven percent (6 women) reported that they had only completed grade school, 25% (23 women) reported that they had some high school but did not complete and 31% (29 women) had completed high school. Sixty-six percent of this convenience sample had high school education or less. Eleven percent had completed college. Figure 3.18 illustrates levels of education among the women interviewed. 70 Results Chapter 3 Figure 3.19 Education Levels Reported By Survey Respondents (N=93) Completed College Some College Completed Trade School Some Trade School Completed High School Some High School Completed Grade School Some Grade School 0 5 10 15 20 25 30 The most commonly cited need among service recipients was education, tutoring, and competency in the English Language. Service providers named education as one of the primary needs of women if they are to achieve and maintain ESS over time. The education theme occurred 15 times in transcripts from provider focus groups and totaled at least 49 lines of information. “Education is HUGE!! Change in the educational system is needed for moms at home. How can we get the educational institutions to do distance learning? Education is the ladder out of the basement. Moms will no longer be chained to their houses if properly educated.” (Service Provider) “Can you be economically self-sufficient if you are not linguistically self-sufficient? Empowered women are linguistically competent.” (Service Provider) “Education is the equalizer.” (Service Provider) Availability of GED programs, particularly in Monroe County, were reported “easy” to access as there were numerous opportunities for women to participate in programs. Community Colleges provided GED classes in the rural counties. “It is really easy to get your GED; there are lots of schools.” (Service Recipient) The barriers to education most often identified by service providers were lack of desire on the women’s part, poor timing in terms of stress and chaotic life circumstances, undiagnosed learning disabilities, lack of accessible, convenient, consistent transportation to classes, and lack of safe child-care during the hours required to attend class. Time to complete the course work, child-care, cost of materials, and transportation were barriers identified by service recipients. Additionally, some women felt unable intellectually. One woman expressed it this way: 71 Results Chapter 3 “I tried to get my GED but everything had changed so much since I went to school. The questions were so confusing, I didn’t know which answer to put down. I just could not understand what they were asking me.” (Service Recipient) Providers and recipients had different opinions about the level of education perceived to be necessary for gainful employment. Providers most commonly talked about college or trade school as the point of entry into occupations that pay well and provide benefits. Participants debated the credibility of the GED and the likelihood that it would open doors to jobs that pay a living wage. Some women perceived that there was stigma attached to having a GED rather than a high school diploma. However, most saw them as essentially the same. “If you get a GED, you don’t necessarily need to get an Associate Degree. You need to learn a skilled trade. This can lead to a $20 an hour job.” (Service Recipient) “You need to get a high school diploma; people realize that you got off track if you have a GED.” An older woman replied, “I don’t think it makes a difference, life is what you make it.” (Service Recipient) “High school diploma is better but the GED can get you to college. I got a GED. It all depends on what you do after you get your GED. I know people that have GEDs that go on and get their Master’s. I feel that, if you want a good job, you at least need to have an Associate Degree.” (Service Recipient) During collection of the survey data, an interesting discontinuity was observed. Some women responded “no” to the yes/no survey question related to needing a high school education. Yet, when asked, “What kinds of help do you think you need in order to get to the place that you can take care of yourself and your family financially?” education ranked equally with a job that pays a living wage. Examples of things women said that they needed are a GED, computer training, a college degree, training in budgeting, and job training. Service recipients actually defined ESS as “having enough education and skill to be successful.” They strongly agreed with providers that education was key in achieving ESS. Education was mentioned 32 times under the “What Women Need in Order to Achieve ESS” category and totaled at least 81 lines of data in transcripts of the interviews and focus groups. Some women felt strongly about the importance of being competent in English. There also were women who perceived a disconnect between education and jobs. As discussed previously, women felt that education alone was not enough in that a woman can be educated and still not get a job that pays a living wage. “You need increased educational levels to get a better job. Even with higher degrees, women make 77 cents on the male dollar. Women want jobs that are rewarding, need to encourage them to get at least a two-year degree.” (Service Provider) 72 Results Chapter 3 Self-Esteem Service providers perceived that women don’t always access the services available or are not successful in acquiring and keeping jobs because they have low self-esteem. It appeared that providers understand this problem at the individual level, that is, a problem of personal inadequacy. Their perception was that women feel unsuccessful because of past failures and because they “look” different (e.g., bad teeth, poor clothing). However, most of the service recipients rejected the idea that self-esteem was an issue. They saw the material barriers to survival (e.g., lack of living wage, punitive policies, etc.) as the major problem. While some women did cite low self-esteem as a problem, these women tended to have histories of abuse and drug and/or alcohol addiction. One of the primary service provider definitions of ESS involved having a feeling of selfworth, being confident, and having positive self-esteem and self-efficacy. Providers believed that having the perception that you are worthy and were an asset [to the community] defined what it meant to be economically self-sufficient. This attitude was a strong theme. Over 25% of service providers from both urban and rural settings stressed the need for selfesteem building among women struggling economically. However, given the information shared by women experiencing the daily struggles of being poor, and providers’ observations of this process, the need for self-esteem building was questioned. Lack of self-esteem may not be an accurate characterization of the problem. Based upon the numerous conversations with providers and recipients, the barriers that poor women confront every day, from lack of subsistence to demeaning social attitudes, may be a more fundamental problem. It is difficult for women to feel good about themselves, and have a sense of well being, if they worry about being evicted, or if there is no one to watch their children when they are sick, or that health care bills are going to swallow up their entire monthly salaries. According to women in the focus groups, the lives of the working poor may be considered economically insufficient and do not promote healthy self-esteem. “My kids were hungry and thirsty over the 4th of July, I went from Thursday to the following Friday with no money and no food because something was wrong with the computer at DSS. My one-year-old was saying, Mommy, I hungry, I thirsty, this made me feel very bad because I could not feed my babies.” ((Service Recipient) “Classification of people is a problem. If you can’t write and read English good, you are no good. Right now I am classified a ‘Zero’ by DSS because I am not proficient in English, a… ‘Zero’; this does not make me feel good?” (Service Recipient) 73 Results Chapter 3 Survey respondents were asked whether they perceived a “need” for self-esteem building in order to achieve ESS. Most, 84%, responded “no.” “Self-esteem ain’t got nothing to do with it. How much self-esteem do you think it takes to do what kids do? Ask any of them in gangs, they will tell you they have lots of esteem.” (Service Recipient) Cultural Barriers Cultural differences between service providers and recipients were cited as problem areas. Providers and recipients cited Service providers’ lack of knowledge about what it means to live in poverty, misunderstandings or lack of knowledge about African American and Hispanic culture, discrimination, and the scarcity of bilingual service providers as barriers. However, sensitivity to the difficulties that women in need encounter and respect and compassion was highly evident among service providers participating in focus groups. “They need to hire Black people, we are pushed to the side, give us a job, people don’t give us a chance.” (Service Recipient) “Migrant women, 90% of whom are Mexican, 10% are Guatemalan and Haitian, there are 8,000 workers, among these women, the notion of economic self-sufficiency is not even considered. Women do not leave their husbands and they do not expect to be independent. They have significant language barriers. Migrant workers are NOT recognized/considered in any type of economic decisions.” (Service Provider) Child-Care For reasons that are not wholly explained by the data, many women do not use child-care despite the fact that many of the agencies assist women in finding child-care. This could be because finding child-care that is responsive to one’s situation may be very difficult or impossible. Some possible reasons for the difficulties with child-care include: a) b) c) d) e) having a job that requires working hours outside the dominant work day (9-5), needing to juggle two or three part time positions, needing to arrange for the care of sick children, needing to arrange for the care of school age children, and lack of incentives for child-care providers to accommodate erratic and unpredictable schedules. “Day care is too full or over priced. I cannot find an opening. You cannot pick and choose the days you work. You have to pay all week long. There is little availability for the night shift hours.” (Service Recipient) 74 Results Chapter 3 Domestic Violence Shelter At several points in the discussion of housing, the subject of a need for more shelters for victims of domestic violence arose. This was particularly true among women with children. Service providers mentioned that the difficulties with navigating the social service system, as well as lack of respect from some providers, resulted in women choosing to tolerate abuse rather than experience the humiliation and shame associated with asking for assistance. “Women are afraid of homelessness and not being able to care for their children. Fiftypercent will go back to their abusers.” (Service Provider) Access to Services and Accessing Public Subsidies Accessing services was a topic discussed in all three groups. Data from service providers suggest that poverty is commonly experienced among female heads of households with children. Dialogue during focus groups affirmed that there were many women in need of assistance and services during 2003. There were no observations shared that programs were having difficulty with enrollment, although attrition was a problem cited by recipients and providers. Service providers frequently talked about extraordinary caseloads, increased paperwork, and inadequate time, money, and energy to meet the high demand. Service recipients spoke of up to a 12 month waiting period for Section 8 housing, long lines on food stamp recertification day, crowded waiting rooms, brusque case managers, lost paper-work, and few phone messages returned. “Navigating the system is difficult. When the welfare system changed, DSS got consolidated, offices closed, and people lost their jobs. Now there are fewer workers to do the same amount of work.” (Service Provider) “We have to deal with it [the system], because we have children; we have to go through it. Life is not fair, I just don’t know,…where does the struggle end? I try to get a job, seems you are just not getting in, the harder you try, the worse it is. They say you don’t care, that you are worthless.” (Service Recipient) “DSS is a waste of time. I leave a message and maybe after 17 days they will call you back.” (Service Recipient) Services were described as fragmented. Most women need multiple services. For example, a women receiving TANF also may need help with heating bills, transportation, clothing for job interviews, and/or child-care at odd hours. One agency will typically address only a few of these needs. As a consequence, women often are not aware of the multiple services that may be available. Agencies do not always have the ability or awareness of all the possible sources of help. Even when women are aware of multiple resources, the logistics of arranging the time to visit three to four different sites can be problematic. Service organizations can be 75 Results Chapter 3 far apart, and often women have children they must either take with them or find child-care. Limited collaboration and communication among service providers and lack of information and/or willingness to share information about services can keep women from accessing all the services available to them. When asked about whether or not they utilized community-based programs or services provided by Catholic Charities, Cornell Cooperative Extension, the Family Resource Center, and Legal Services of the Finger Lakes, women in the survey overwhelmingly women responded “no.” Even the well known programs of Women, Infants, and Children (WIC) and Planned Parenthood were used by only 25% and 10% of the women, respectively. Survey respondents reported that they most commonly clipped coupons, skipped meals, and did without things that they needed in order to make ends meet. Service recipients also said they used these types of money saving techniques. Women went without under-garments, clothes that fit properly, make-up, and personal hygiene items, such as deodorant and shampoo, when money was inadequate to cover living expenses. Forty-one percent of the survey respondents perceived that the assistance and resources available in their communities were somewhat inadequate in assisting them meet expenses and provide for basic needs. Nine percent thought assistance and resources were extremely inadequate and 42% perceived that their community’s assistance and resources were adequate. Only 20% of survey respondents perceived that accessing needed assistance and services in their communities was “fairly easy”, 68% found accessing services “somewhat to very difficult”, while 7% thought access was “impossible.” Most of the survey respondents said that they would not call the Department of Social Services or a community based organization for assistance. They preferred calling a family member or a friend if a crisis occurred or assistance was needed. Seventy-three percent stated that they would not look to their community church for assistance. Recipients felt that accepting help from DSS meant surrendering all personal privacy. They “tell you who you can be friends with and who you can’t be friends with.” Problems cited by service recipients were that there is frequent turnover in case managers, that staff are over-worked and burned out, that staff have bad attitudes towards recipients, and that their focus is not on the needs of women. Women felt that they have to fight for what they get. Forty-three percent of survey respondents perceived that they were treated hostilely or rudely by workers at the Department of Social Services. Only 8% perceived that providers in community based organizations treated them disrespectfully. No data are available directly from DSS staff. “I gave up calling DSS workers. I had four workers in a week. I am at the point of you contact me. Workers get changed a lot, you don’t know who your worker is.” 76 Results Chapter 3 “The Department of Social Services demeans and talks with disrespect to women. Women would rather go home to their abuser than be abused by people in the service delivery business.” (Service Recipient) “You are not taken seriously at DSS. They belittle you. There needs to be more work on the workers. Women go out there and get discouraged. If you bring your worker it all changes. If you don’t, there is no empowerment, it is like you are dumb, you can’t do it.” (Service Recipient) “They are rude, they treat you like a ball of dirt, they don’t return your calls, they get frustrated. They take it out on us. They have a lot of people they are dealing with, they get mixed up, we have to consider this.” (Service Recipient) The extent to which non-profit providers help women access other subsidies was not addressed. However, the fragmentation of services, lack of networking between services, unawareness of other services on the part of providers, and the reluctance on the part of some providers to inform women about alternate services would indicate that women can not be assured of coordinated referrals. Most of the non-profit organizations and their service providers participating in this study work with individuals seeking assistance or in the immediate environments of woman where they have a measure of control. The data show that there are only a few agencies that work at the systems level and to actively advocate for changes in policy at the local, state, or federal level. These agencies advocate for jobs that pay a living wage or a change in the organization of work and family. Similarly, there were little data that indicated that providers thought changes in societal beliefs, values, or cultural structures (e.g., the organization of work and family) needed change or were within their scope of influence. Providers frequently spoke of the need for resources that assure longevity of programming, including funds for operational costs. They spoke of needing more opportunities to collaborate on grant writing. Providers suggested that what is needed is more funding directed toward strategies that “work” as opposed to “new hair brained ideas.” When providers were asked about “what works”, there was a lack of clarity on specific interventions. Most service providers acknowledged that because of limited funding and program evaluation, implementation strategies are not consistent or carried out over a long enough period of time to measure long-term outcomes. The extent to which these services and supports actually impact women’s ability to achieve ESS has not been consistently measured in the community. Providers speak of success stories, sharing instances where women furthered their education, got out of debt, bought their own home, found work, and became better mothers. However, outcome data that measures the extent to which a collection of community resources impact ESS specifically are not readily available. Most service providers were confident that assistance and resources were available in most communities, although providers from the larger counties had a more comprehensive list of services and supports for women. However, the complexity and number of service providers, 77 Results Chapter 3 attrition of staff, and large caseloads interfered with providing a seamless connection with the services that women need in the more densely populated areas. Connecting with community services was a geographic and transportation challenge in the rural counties. Service providers shared concerns about lack of communication, trust and turf issues, and the inability for most providers to stay knowledgeable about the variety of resources and assistance that is available. Service providers realized the importance of referral and recognized that helping women connect to the community was a true challenge as they had difficulties keeping abreast of agencies, services available, and the ever changing faces and names. “Agencies need to know what each other are doing. They need to get information to other agencies and remind front line staff so they are aware of up-to-date information.” (Service Provider) Connection to community and knowledge of community services was a topic addressed primarily by service providers. Their perspectives were at the individual level, with a belief that being connected to the community is vital if a woman is to be supported as she works toward becoming economically self-sufficient. Support, a Voice, and Respect Most of the service providers focused on what women need at the personal or individual level. “The do it yourself mentality only works if the woman is on the ball. Many fall through the cracks.” (Service Provider) Several statements indicating what providers thought about the importance of support and respect include: “Women need to be internally empowered, to be able to give back, have a feeling of positive self-esteem and self-worth.” (Service Provider) “Women need to have caring, supportive relationships with service providers.” (Service Provider) “Service providers need better training, specifically strength-based, that helps them to work with poor people, those with disabilities. They need training to enhance staff ability to empower women.” (Service Provider) Providers from rural and urban counties shared concerns related to the lack of respect that women in need of assistance endured. They stated that discrimination, stigmatization, excessive workloads, and lack of training in strength-based approaches lead to interactions where women in need of assistance are belittled, disempowered, and treated rudely and unfairly. 78 Results Chapter 3 “Women are reluctant to ask for help because they are intimidated. They have pride. They have very few skills and knowledge and a lot of fear and pride. When women go for help, often they can’t get it.” (Service Provider) “Social services’ offices need people skills. They treat poor women very badly, increases their sense of worthlessness.” (Service Provider) “The Department of Social Services is very judgmental. They believe that being poor is a way of life so their expectations are low so women can’t see the point in trying.” (Service Provider) Observation of service providers during the focus group meetings indicated that supporting and respecting women was strongly valued. Many of their programs supported women in a variety of ways, from holistic case management and relapse prevention to education on reproductive health, financial management, interpersonal relationships, parenting, childcare, and transportation. Providers spoke of meeting women where they are and supporting them in their efforts to meet their goals. This philosophy could be summed up as “giving them a hand up rather than a hand out.” “Support, start where they are and then work with them, assist them to make goals, keep their expectations high, help them to learn about proper hygiene and how to fix a meal, eat breakfast, do dishes and to develop their social skills.” (Service Provider) An attitude shared by several service providers was that they expected success from their clients as opposed to assuming that they ultimately will fail. A particularly nurturing program spoke about starting with the woman herself, “working from the inside out,” and confronting internal factors that might predispose the woman to poor decision making. The term “advocacy” was mentioned frequently and perceived as a core need for most women struggling with ESS. “We do not get money from major funders. What we do does not fit into education, job readiness, doesn’t fit, what we do… what we do cuts to the core. We help women find their identity, that identity, choice, the very essence of who she is.” (Service Provider) “These women need support over a lifetime.” (Service Provider) They believed that establishing caring relationships with women, supporting women over time, and using a holistic approach that considers women’s developmental stages and life circumstances make a positive difference among some of their clients. 79 Results Chapter 3 Life Skills Life Skills was a topic addressed by service providers. A number of the agencies and organizations implemented their programs around developing life skills. These skills included parenting, budgeting, grocery shopping, planning meals, running a household, and dealing effectively with people in the community, such as their caseworkers and their landlords. Providers believed that, while incorporating life skills’ development into programming is an excellent idea, the feasibility and cost sometimes prohibit its inclusion in all programming scenarios. Providers also identified concrete needs such as education, housing, work preparation and job training, healthcare, transportation, a job with a living wage, and affordable, safe child-care. However, these needs were not emphasized at the same level among service providers as they were among service recipients and survey respondents. According to service providers, other services provided included assistance with accessing supports and services such as child-care subsidies, emergency services, shelters, housing, health care, treatment of addiction, mental health services, emergency food sources, legal services and transportation. Social Support Social support is a critical factor in achieving self-sufficiency. However, social instability is a major issue for women in their struggle for ESS. Illness (self or family member), loss of child-care, family members in trouble (e.g., parent, child, or other relative addicted to drugs, alcohol or in trouble with the law), returning husbands or boyfriends, the necessity of moving due to job loss or unsafe living conditions were all cited as threats to stability and thus threats to ESS. There is so little margin in income versus expenses that any change in women’s social environments threatens their ability to make ends meet. It also can activate a domino effect in that it takes months or longer to recover. Social supports that provide sick childcare, a loan, safety from abusive family members, cash for medicine, etc., are just some of the things that can be the difference between staying afloat or sinking. Informal social supports, such as free child-care by a family member or financial assistance in times of emergencies, can significantly affect the ongoing economic stability of the poor family. Families that have access to these informal social supports seem to do better than those who do not. Those who do not live near extended family members, women who have exhausted or never had informal social supports, and generations of families who have little to give each other struggle to provide the kinds of help that economically “successful” families can provide. 80 Results Chapter 3 While a number of providers talked about the importance of social support, only a few women shared information that describes meaningful help designed specifically to assist women build social supports. Wilson Commencement Park, Sojourner House, Step-by-Step, and the Rochester YWCA were examples of agencies that provide significant assistance in this area. The combination of housing, child-care services, employment services, support groups, and a variety of other services plus, in the case of the YWCA, a stated goal to “strive to build support systems” sets the stage for enhancing social support systems. Cash Service recipients spoke openly about the need for cash. They needed cash for security deposits, cash to buy personal hygiene items, cash for the parking meter, and cash to pay debts. The absence of cash created significant difficulty for women. Definitions of Economic Self-Sufficiency Overall, it was difficult for service providers to separate the meaning of Economic SelfSufficiency (ESS) from barriers to ESS and what women “need” in order to achieve it. There was a wide range of thoughts about what constitutes ESS among providers and recipients. At one end of the continuum were women who thought that ESS meant having enough money to live a full life and be able to purchase everything that one needed. To be economically selfsufficient meant not needing to rely on friends or family for anything. At the other end of the continuum were women who felt that the definition of ESS should be broadened to include people who would always require government funds, such as people with disabling mental or physical problems for whom working steadily is impossible. Service recipients defined ESS as having enough money to cover expenses and no longer requiring assistance from anyone. They were very clear about aligning their definition of ESS with independence. Service providers defined ESS as having a connection to a source of income and knowing where to send one’s children to school and what kind of health care services to use. ESS also meant sufficient resources to allow choices about where and how to live. For others, ESS meant having enough money to get through an emergency, for example, repairing a car or providing child-care for a sick child. Many service providers considered ESS more as a process than a steady state. They thought that we are all striving to be economically self sufficient, with some people being further along toward meeting that goal than others. With a few mishaps, that is,, job loss, divorce, or disability, economic instability is just over the horizon for many women. Service providers commented that they themselves, and others they know in the service field, do not make enough money to consider themselves economically self-sufficient. It was clear that they were not exaggerating and were barely paying their bills. Some were using food pantries. One mishap, such as a car accident, an illness in the family, or having a car repossession leading to loss of a job, would be enough to make their economic situation very unstable. 81 Results Chapter 3 For other women it was impossible to talk about ESS without talking about personal efficacy. They saw them as inextricably linked. There was a belief that one must have a certain level of personal efficacy to be ESS and without a certain level of control over one’s choices personal efficacy is severely compromised. The idea of ESS was inextricably connected to social structures and personal resources and capabilities. Some providers spoke eloquently about the complexity of attaining ESS. “In reference to economic self-sufficiency, some of the short sightedness exists both at the government level and at the private level. What does it really take for substantive change in an individual? Very cursory examinations occur typically, where people say, just get them a job; it is not that easy. If a person cannot fill out an application, how can they get a job? Poverty relates to social isolation, classes…people just don’t have a concept the degree of stress that poverty has on a woman and her family.” (Service Provider) Service providers defined ESS as the ability to pay bills, save money, and pursue goals, such as owning a home and car, and having a good education. They also saw ESS as the ability to respond to emergency needs, without falling into a “hole.” Several interviewees suggested that ESS does not necessarily imply being off TANF or other forms of public assistance, but managing these sources of income well. Service providers felt that some individuals will never be able to be ESS in the strictest sense. Having choices, being able to choose where one lives, being in a safe environment, and having the skills to manage money and life were all seen as a part of being economically self-sufficient. Another factor that came up often was the necessity of stability. Attaining ESS was seen as nearly impossible if one has so little margin that any misfortune would destabilize the situation. Destabilizing events that where mentioned several times were: - loss of job change in job schedules -- many women have two or three jobs; if the schedule changes on one they can’t accommodate the other illness, oneself or another family member loss of child-care loss of a car or need for expensive repairs return of a violent boyfriend or husband return of a needy older child a bureaucratic mix-up at the Department of Social Services or Medicaid offices eviction due to development, rowdy relatives, or uncooperative landlords A continuum exists from the individual level to the systems level in what is needed to attain ESS. Personal efficacy only goes so far if the social structure does not cooperate by providing jobs that organize work to sustain family and community. 82 Results Chapter 3 The following is a summary of key definitions of ESS from the view of service providers. In general, providers defined ESS as a process in which women move away from requiring cash assistance, however, they retain other benefits such as food stamps and Medicaid. • This interpretation varied from retaining some government benefits to being totally free of benefits. However, it was weighted on the side of retaining some benefits. • Having employment that would pay enough to meet basic needs was identified as critical to self-sufficiency. • Change was expected at the individual level where proximal process interventions attend to the woman and how she interacts with her immediate environment. Proximal processes are the essence of what occurs in the course of everyday activities by the woman and her family. • Providers saw the need for education, job skills, life skills, parenting skills, and budgeting and shopping skills. They also talked about the importance of being “self-determined” where each woman has control over the events of her life and can make her own decisions and choices. For example, if something breaks, she has a cash reserve to fix it. Providers also mentioned the need for “willingness” on the part of a woman in need to make the required life changes and that she builds self-esteem. A barrier was seen as the “context” of a woman’s upbringing, where she did not have role modeling for strong work ethics. • Providers recognized that consideration must be given to the cultural values’ beliefsystem where culture plays an important role in a woman’s perception of ESS. One example given was that some Hispanic women may choose to depend on the male for support and may have few aspirations of independence. Thus, she might think about selfsufficiency in a different way than a woman striving to be totally independent. Summary of Barriers, Needs, and the Definition of Economic SelfSufficiency In order to categorize the data, responses were divided into four key areas: 1) Barriers, 2) Needs, 3) Definitions, and 4) Supports. These four key areas were further synthesized at the ecological level to reflect a woman’s environment according to her stage of human development. Bronnfenbrenner’s theory of ecology of human development describes a series of progressive accommodations made throughout the life span that involves the individual and the environments in which she or he lives An assumption of this theory is that people are affected by relationships within and between their environments as well as the larger social contexts in which these environments are embedded. The ecological environment is a nested arrangement of structures, each structure contained within the next, and includes the following four key ecological levels. 83 Results Chapter 3 1) 2) 3) 4) Individual level: the micro- or personal level; Environmental level: individuals’ interactions with the immediate environment; Systems level: the systems within which persons interact to meet their needs; Cultural, beliefs, and value level: the blueprint of society that determines how persons are viewed within the society. The matrix presented in Table 3.25 outlines how service providers and service recipients/ survey respondents responded to questions related to Barriers to ESS, the Definition of ESS, what women need in order to achieve ESS, and the Supports and Resources that are needed in order to assure ESS among all women. This matrix is listed in order of priority with the theme occurring the most frequently listed first. Table 3.26 : Cross Comparison of Barriers, Definitions of ESS, Needs, and Supports Reported by Service Providers (n=81) and Service Recipients and Survey Respondents (n=130) Ecological Level External Environment Individual Systems Ecological Level Service Providers BARRIERS No employment with a living wage that women can access and/or have the appropriate skills for. Feeling unsuccessful because of past failures, low self-esteem. Systems Systems Systems Individual Lack of advocacy and respect from DSS, inconsistent case managers, needs are not the focus, workers have poor attitudes and are burned out, women have to fight for the services they need. Cultural Barriers: discrimination, language barriers, few bi-lingual workers people are misunderstood. Lack of collaboration and communication among service providers, providers do not know what is available and/or do not refer appropriately. NEEDS Support, a voice and respect External Environment Level Individual Connection with the community and a working knowledge of existing services. Life Skills Systems External Environment Increased collaboration among service providers. Cultural, Value, Belief Systems External Environment Individual Individual External Environment External Environment 84 Service Recipients BARRIERS Public Policy that is punitive, does not allow for the assistance women need to survive, lack of equity in service delivery. Lack of advocacy and respect from DSS, inconsistent case managers, needs are not the focus, workers have poor attitudes and are burned out, women have to fight for the services they need. No affordable housing that is suitable for living and/or homelessness. No employment with a living wage that women can access and/or have the appropriate skills for. No family support, being a single mother, divorced, widowed and/or parent figures to grandchildren. NEEDS Education & tutoring, competency in English Employment that has the potential to move women toward ESS. Transportation Training Results Chapter 3 Individual Individual Individual External Environment Systems DEFINITIONS of ESS Feeling selfworth/confident/positive selfesteem and self-efficacy Adequate income for housing Individual External Environment Individual Feeling at peace, feeling safe physically and emotionally No need for TANF Individual SUPPORTS Funding to sustain programs that actually help women achieve ESS External Environment DEFINITIONS of ESS Have enough money to cover expenses, having assets, having savings. No need for TANF Money to cover emergency expenses. Having choices (where to live, where to work) SUPPORTS Resources: a) education, b) training, c) literacy, d) job readiness, e) prevention and f) financial literacy. Responses are listed in order of frequency within each category enabling a comparison of issues addressed most often by service providers to issues addressed most often by service recipients regarding ESS. This table highlights where service providers feel they have the greatest impact, barriers they work most fervently to overcome, and possible bias concerning what they think women need to achieve economically self-sufficiency. Likewise, it highlights what service recipients believe are the most significant enablers and barriers to achieving ESS. For example, the barrier most frequently identified by service providers was at the external environmental level, that is, women cannot access and/or lack the skill to access, the services needed for job training and gainful employment. Alternatively, service recipients perceived their greatest barrier as beyond their immediate environment, focusing at the systems level, that is, public policy. Recipients described receiving misinformation or incomplete information, a slow response to telephone messages, and the inability to form relationships with caseworkers as case workers were frequently rotated or left their positions. Women perceived that they were considered “stupid” and that their credibility was often called into question. In the “Needs” category, data indicate that service providers most frequently focus on women in need from an internal or personal perspective, placing humanistic needs, that is, support, a voice and respect, connection with the community, and life skills. Next, they focus on programmatic needs that enable the continued delivery of services. Service recipients most frequently focus on tangible needs, that is, the need for education and competency in English (referring to adequate literacy levels as well as English as a second language), employment, transportation, and training. 85 Results Chapter 3 NEEDS Service Providers • Support, a voice and respect • • Connection with the community and knowledge of services • Life skills • More collaboration among service providers • • • Service Recipients Education & tutoring, competency in English Employment that has the potential to pay a living wage Transportation Training Differences also are noted in the second most frequently identified barrier, where providers perceived recipients as having low self-esteem, an individual level factor. Providers referred to helping women to become “empowered,” “feel better about themselves,” and “gain confidence.” Alternatively, the barrier identified second most frequently by service recipients was at the systems level and stemmed from the lack of respect they received, particularly among staff at the Department of Social Services. Recipients perceived that accessing needed services was a demeaning experience that involved “fighting hard for what you need.” The experience of “constantly being beaten down by the system” did not promote positive self-esteem or self-efficacy, rather it fostered resentment, frustration, and anger. “You have to fight social services, really fight a lot and advocate for yourself. It is way above what most people can do. I don’t have the self-confidence. I struggle because I am not a fighter. It has to be survival of the fittest. I am not the fittest.” (Service Recipient) Service providers did perceive that a primary barrier to ESS was the lack of employment that paid a living wage and the lack of advocacy from the Department of Social Services. These barriers match in comparing service recipients and service providers. BARRIERS Service Providers • No employment with a living wage • Low self-esteem • Lack of advocacy from DSS • Cultural barriers • Poor collaboration among service providers Service Recipients • Poor access to the services needed • Lack of advocacy from DSS • No affordable housing • No employment with a living wage • No family support The implied priorities may have implications for how directly service providers apply their energies and influence in ways that service recipients view as most beneficial. For example, a service provider may see the key barrier to ESS as the lack of employment (regardless of wage or benefit levels). Energy is placed on getting the woman into a job- 86 Results Chapter 3 training program and then into a job. The service recipient sees her primary barriers as lack of resources to pay for heat and electricity, inadequate cash for a security deposit in a safer neighborhood, or access to appropriate school supplies and clothing for her children. The same level of differences in perceived priorities is observed when defining ESS. The differences in definitions of ESS may be even more powerful as service providers associate self-esteem with women’s ability to achieve ESS, whereas women in need do not consider self-esteem in their definition of ESS, but rather mention the tangible aspects of selfsufficiency, that is, to have enough money to cover expenses, have assets such as a home and/or a car, and being able to save money. This definition is distinctly different from the need for building self-worth and self-esteem. 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Retrieved May 8, 2004 from http://www.census.gov/hhes/poverty/povdef.html. Warren, C.R. (2002). Poverty, the Working Poor, and Income Inequality Review of Recent Research. Building Ladders for Success Partners for Hoosier Communities. January 18, 2002. Retrieved May 24, 2004 from www.adders4success.orc/research/litrev1.pdf. Wertheimer, R.F. (1999). Working Poor Families with Children. Child Trends. Retrieved May 24, 2004 from www.childtrends.org/files/99-02.pdf. 92 APPENDIX A ACCOMPANYING TABLES OF CHAPTER 3 RESULTS Tables in the Appendix are labeled with the same number as the table they accompany in Chapter 3, Results, with the addition of the suffic “A.” For example, Table 3.1A in the Appendix accompanies Table 3.1 in Chapter 3. Not all tables in Chapter 3 have accompanying tables in the Appendix. Therefore, tables in the appendix are not ordered in sequential numbers. 93 Table 3.1A Numbers and Percentages of Females by Age: By Town Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland Total Female Population 30,554 1,032 1,243 8,386 3,033 1,529 872 1,270 1,469 1,203 3,962 1,625 1,209 2,272 1,257 192 31,999 3,397 2,283 1,140 5,538 771 1,125 2,326 3,706 2,271 3,015 1,524 351 421 782 1,169 615 1,565 380,858 18,644 14,164 3,118 3,540 15,275 48,815 4,697 18,525 28,144 4,320 9,352 7,511 17,968 23,843 14,504 2,733 114,874 1,673 7,070 19,414 2,674 % of Total Population 51% 50% 50% 52% 51% 48% 50% 51% 48% 49% 51% 51% 49% 50% 52% 55% 50% 51% 50% 50% 58% 20% 49% 51% 51% 50% 53% 50% 45% 50% 48% 49% 51% 50% 52% 52% 51% 51% 53% 52% 52% 50% 47% 54% 52% 51% 51% 52% 52% 53% 50% 52% 46% 52% 51% 52% # females % of females # females % of females # female % of females < 18 yrs < 18 yrs 18-64 yrs. 18-64 yrs. 65+ yrs. 65+ yrs 7,645 25% 17,850 58% 5,059 17% 299 29% 601 58% 132 13% 359 29% 708 57% 176 14% 1,917 23% 4,596 55% 1,873 22% 704 23% 1,817 60% 512 17% 412 27% 910 60% 207 14% 233 27% 544 62% 95 11% 357 28% 813 64% 100 8% 400 27% 899 61% 170 12% 300 25% 748 62% 155 13% 874 22% 2,390 60% 698 18% 438 27% 958 59% 229 14% 323 27% 742 61% 144 12% 625 28% 1,335 59% 312 14% 354 28% 697 55% 206 16% 50 26% 92 48% 50 26% 7,208 23% 20,535 64% 4,256 13% 796 23% 2,050 60% 551 16% 628 28% 1,390 61% 265 12% 308 27% 720 63% 112 10% 569 10% 4,509 81% 460 8% 209 27% 477 62% 85 11% 299 27% 670 60% 156 14% 536 23% 1,513 65% 277 12% 1,040 28% 2,263 61% 403 11% 462 20% 1,300 57% 509 22% 717 24% 1,706 57% 592 20% 412 27% 870 57% 242 16% 73 21% 248 71% 30 9% 117 28% 273 65% 31 7% 174 22% 505 65% 103 13% 309 26% 732 63% 128 11% 181 29% 365 59% 69 11% 378 24% 944 60% 243 16% 91,172 24% 231,819 61% 57,867 15% 3,280 18% 11,012 59% 4,352 23% 3,495 25% 8,753 62% 1,916 14% 860 28% 1,790 57% 468 15% 767 22% 2,159 61% 614 17% 3,153 21% 9,058 59% 3,064 20% 11,283 23% 28,936 59% 8,596 18% 1,435 31% 2,924 62% 338 7% 3,906 21% 12,583 68% 2,036 11% 5,626 20% 15,214 54% 7,304 26% 1,167 27% 2,616 61% 537 12% 2,408 26% 6,035 65% 909 10% 2,075 28% 4,568 61% 868 12% 4,331 24% 10,613 59% 3,024 17% 6,017 25% 14,717 62% 3,109 13% 3,394 23% 8,600 59% 2,510 17% 733 27% 1,689 62% 311 11% 30,071 26% 70,899 62% 13,904 12% 383 23% 1,080 65% 210 13% 1,378 19% 5,066 72% 626 9% 4,688 24% 11,905 61% 2,821 15% 722 27% 1,602 60% 350 13% 94 Table 3.1A Numbers and Percentages of Females by Age: By Town Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey Total Female Population 51,301 1,198 872 5,884 3,861 1,714 5,379 7,257 1,712 1,915 1,729 4,706 1,257 3,553 1,724 1,372 815 5,086 1,267 22,255 3,394 1,026 1,314 1,737 1,856 1,478 3,777 3,568 2,836 1,269 47,350 7,929 970 2,250 1,050 2,869 4,379 2,566 4,847 3,873 1,275 938 4,553 4,176 3,420 2,255 12,589 708 1,274 496 2,446 682 3,636 895 1,817 635 % of Total Population 51% 49% 47% 52% 50% 51% 51% 53% 52% 51% 52% 51% 51% 51% 50% 51% 50% 51% 50% 50% 42% 48% 45% 52% 49% 52% 60% 52% 52% 51% 50% 53% 43% 51% 50% 50% 50% 52% 50% 50% 52% 51% 51% 50% 50% 48% 51% 51% 49% 45% 54% 50% 52% 49% 51% 49% # females % of females # females % of females # female % of females < 18 yrs < 18 yrs 18-64 yrs. 18-64 yrs. 65+ yrs. 65+ yrs 12,497 24% 31,150 61% 7,654 15% 335 28% 765 64% 98 8% 183 21% 566 65% 123 14% 1,260 21% 3,310 56% 1,314 22% 967 25% 2,377 62% 517 13% 454 26% 1,072 63% 188 11% 1,494 28% 3,489 65% 396 7% 1,562 22% 4,417 61% 1,278 18% 338 20% 987 58% 387 23% 494 26% 1,153 60% 268 14% 413 24% 1,020 59% 296 17% 1,123 24% 2,741 58% 842 18% 303 24% 736 59% 218 17% 909 26% 2,187 62% 457 13% 448 26% 1,067 62% 209 12% 373 27% 798 58% 201 15% 177 22% 525 64% 113 14% 1,365 27% 3,140 62% 581 11% 299 24% 800 63% 168 13% 5,528 25% 13,552 61% 3,175 14% 914 27% 1,860 55% 620 18% 245 24% 660 64% 121 12% 308 23% 860 65% 146 11% 481 28% 1,074 62% 182 10% 429 23% 1,078 58% 349 19% 438 30% 872 59% 168 11% 716 19% 2,792 74% 269 7% 960 27% 2,096 59% 512 14% 687 24% 1,523 54% 626 22% 350 28% 737 58% 182 14% 12,474 26% 28,335 60% 6,541 14% 1,953 25% 4,488 57% 1,488 19% 241 25% 598 62% 131 14% 586 26% 1,273 57% 391 17% 249 24% 627 60% 174 17% 667 23% 1,644 57% 558 19% 1,218 28% 2,776 63% 385 9% 758 30% 1,532 60% 276 11% 1,296 27% 3,029 62% 522 11% 942 24% 2,350 61% 581 15% 398 31% 709 56% 168 13% 275 29% 526 56% 137 15% 1,153 25% 2,725 60% 675 15% 1,251 30% 2,669 64% 256 6% 889 26% 2,064 60% 467 14% 598 27% 1,325 59% 332 15% 3,165 25% 7,291 58% 2,133 17% 231 33% 366 52% 111 16% 367 29% 710 56% 197 15% 124 25% 331 67% 41 8% 436 18% 1,621 66% 389 16% 171 25% 418 61% 93 14% 811 22% 1,983 55% 842 23% 293 33% 521 58% 81 9% 551 30% 984 54% 282 16% 181 29% 357 56% 97 15% 95 Table 3.2A Numbers and Percentages of Females by Race/Ethnicity: By Town White Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland 29,230 1,010 1,224 7,811 2,979 1,484 858 1,226 1,441 1,120 3,834 1,590 1,171 2,238 1,225 19 30,631 3,226 2,149 1,090 5,191 743 1,096 2,218 3,624 2,124 2,958 1,496 349 404 748 1,137 600 1,478 292,839 15,965 12,789 2,887 3,336 13,347 45,079 4,545 15,264 25,824 4,183 8,987 7,319 16,617 22,220 13,262 2,617 49,816 1,607 6,441 18,288 2,446 % White Black 95.2% 97.9% 98.5% 92.5% 97.9% 96.4% 98.1% 96.5% 98.1% 91.0% 96.5% 97.5% 96.5% 98.5% 96.5% 9.9% 95.3% 95.0% 93.9% 95.6% 93.0% 96.4% 97.3% 94.7% 97.6% 92.9% 97.9% 98.2% 99.4% 94.8% 95.7% 96.9% 96.9% 92.0% 74.4% 84.8% 89.5% 90.9% 93.5% 86.9% 91.4% 96.3% 81.2% 90.4% 96.8% 95.5% 96.9% 92.3% 92.5% 91.0% 95.0% 39.8% 96.1% 89.6% 93.3% 90.0% 378 4 4 262 45 0 7 9 0 23 0 9 4 8 3 0 276 49 50 0 48 8 0 24 0 41 21 0 0 6 0 4 0 25 52,862 653 690 62 42 863 1,662 32 1,390 974 57 126 75 309 326 254 30 44,645 4 298 252 118 % Native % Native % Black Hispanic Hispanic American American Asian % Asian Other % Other 1.2% 0.4% 0.3% 3.1% 1.5% 0.0% 0.8% 0.7% 0.0% 1.9% 0.0% 0.6% 0.3% 0.4% 0.2% 0.0% 0.9% 1.4% 2.2% 0.0% 0.9% 1.0% 0.0% 1.0% 0.0% 1.8% 0.7% 0.0% 0.0% 1.4% 0.0% 0.3% 0.0% 1.6% 13.4% 3.5% 4.8% 2.0% 1.2% 5.6% 3.4% 0.7% 7.4% 3.4% 1.3% 1.3% 1.0% 1.7% 1.4% 1.7% 1.1% 35.7% 0.2% 4.1% 1.3% 4.3% 102 0 5 69 0 8 0 0 0 0 0 0 11 9 0 0 288 0 0 5 190 9 10 17 0 0 30 0 0 3 13 0 0 11 9,022 1,296 199 60 46 484 613 28 830 263 34 148 29 612 734 771 29 2,364 29 89 347 17 0.3% 0.0% 0.4% 0.8% 0.0% 0.5% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.9% 0.4% 0.0% 0.0% 0.9% 0.0% 0.0% 0.4% 3.4% 1.2% 0.9% 0.7% 0.0% 0.0% 1.0% 0.0% 0.0% 0.7% 1.7% 0.0% 0.0% 0.7% 2.3% 6.9% 1.4% 1.9% 1.3% 3.2% 1.2% 0.6% 4.4% 0.9% 0.8% 1.6% 0.4% 3.4% 3.1% 5.3% 1.1% 1.9% 1.7% 1.2% 1.8% 0.6% 471 5 7 191 9 22 2 11 14 38 108 17 19 11 17 0 462 45 53 40 79 6 17 45 49 15 6 7 0 8 15 17 9 51 18,115 389 323 72 49 282 812 45 757 659 25 81 76 191 390 91 39 13,216 17 175 364 62 1.5% 0.5% 0.6% 2.3% 0.3% 1.4% 0.2% 0.9% 1.0% 3.1% 2.7% 1.0% 1.6% 0.5% 1.3% 0.0% 1.4% 1.3% 2.3% 3.5% 1.4% 0.8% 1.5% 1.9% 1.3% 0.7% 0.2% 0.5% 0.0% 1.9% 1.9% 1.4% 1.5% 3.2% 4.6% 2.1% 2.3% 2.3% 1.4% 1.8% 1.6% 1.0% 4.0% 2.3% 0.6% 0.9% 1.0% 1.1% 1.6% 0.6% 1.4% 10.6% 1.0% 2.4% 1.9% 2.3% 248 4 0 84 9 14 8 24 9 37 32 5 4 5 13 0 402 71 28 5 75 5 3 33 12 91 6 11 2 5 0 8 6 41 19,600 468 214 89 73 364 1,082 72 541 824 4 68 46 234 321 175 31 14,407 13 185 345 44 96 0.8% 0.4% 0.0% 1.0% 0.3% 0.9% 0.9% 1.9% 0.6% 3.0% 0.8% 0.3% 0.3% 0.2% 1.0% 0.0% 1.3% 2.1% 1.2% 0.4% 1.3% 0.6% 0.3% 1.4% 0.3% 4.0% 0.2% 0.7% 0.6% 1.2% 0.0% 0.7% 1.0% 2.6% 5.0% 2.5% 1.5% 2.8% 2.0% 2.4% 2.2% 1.5% 2.9% 2.9% 0.1% 0.7% 0.6% 1.3% 1.3% 1.2% 1.1% 11.5% 0.8% 2.6% 1.8% 1.6% 270 9 3 30 0 11 0 0 5 13 0 9 4 1 12 173 89 6 9 0 0 0 0 4 28 15 0 10 0 0 6 7 4 0 1,154 62 72 7 22 22 96 0 23 38 17 0 5 44 34 27 9 626 3 3 13 31 0.9% 0.9% 0.2% 0.4% 0.0% 0.7% 0.0% 0.0% 0.3% 1.1% 0.0% 0.6% 0.3% 0.0% 0.9% 90.1% 0.3% 0.2% 0.4% 0.0% 0.0% 0.0% 0.0% 0.2% 0.8% 0.7% 0.0% 0.7% 0.0% 0.0% 0.8% 0.6% 0.6% 0.0% 0.3% 0.3% 0.5% 0.2% 0.6% 0.1% 0.2% 0.0% 0.1% 0.1% 0.4% 0.0% 0.1% 0.2% 0.1% 0.2% 0.3% 0.5% 0.2% 0.0% 0.1% 1.1% Table 3.2A Numbers and Percentages of Females by Race/Ethnicity: By Town % White Black % Native % Native % Black Hispanic Hispanic American American 48,882 93.3% 1,179 98.4% 843 96.7% 5,627 95.5% 3,725 95.4% 1,680 97.8% 5,177 96.1% 5,756 76.3% 1,577 90.4% 1,835 95.5% 1,646 93.7% 4,572 96.9% 1,234 98.2% 3,480 97.2% 1,716 99.5% 1,324 96.2% 782 95.6% 4,879 95.6% 1,243 97.3% 19,632 86.7% 3,003 86.9% 998 97.1% 1,240 94.4% 1,680 96.7% 1,691 89.4% 1,429 95.4% 2,600 66.4% 3,254 89.8% 2,497 86.3% 1,240 96.6% 44,343 92.8% 7,187 89.0% 939 96.8% 2,118 92.1% 972 91.4% 2,545 86.7% 4,182 95.5% 2,468 95.6% 4,682 96.2% 3,779 97.4% 1,236 96.3% 916 97.6% 3,964 86.1% 4,031 96.5% 3,195 92.8% 2,129 93.5% 12,217 96.9% 701 99.0% 1,274 100.0% 490 98.8% 2,393 97.8% 672 98.5% 3,475 95.4% 869 95.3% 1,725 94.9% 618 97.2% 998 0 2 16 33 3 28 740 81 14 15 20 4 0 0 0 6 36 0 1,547 201 7 31 6 91 6 833 161 211 0 1,193 245 8 45 35 169 41 25 59 20 0 5 368 38 100 35 31 0 0 0 8 6 5 3 9 0 1.9% 0.0% 0.2% 0.3% 0.8% 0.2% 0.5% 9.8% 4.6% 0.7% 0.9% 0.4% 0.3% 0.0% 0.0% 0.0% 0.7% 0.7% 0.0% 6.8% 5.8% 0.7% 2.4% 0.3% 4.8% 0.4% 21.3% 4.4% 7.3% 0.0% 2.5% 3.0% 0.8% 2.0% 3.3% 5.8% 0.9% 1.0% 1.2% 0.5% 0.0% 0.5% 8.0% 0.9% 2.9% 1.5% 0.2% 0.0% 0.0% 0.0% 0.3% 0.9% 0.1% 0.3% 0.5% 0.0% White Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey 60 8 9 42 73 18 48 553 32 37 65 32 9 40 8 5 10 98 11 787 97 6 0 44 74 20 360 81 91 14 892 379 7 65 23 85 59 33 44 7 14 3 72 0 40 61 102 0 0 0 8 0 40 19 34 1 97 2.1% 0.7% 1.0% 0.7% 1.9% 1.0% 0.9% 7.3% 1.8% 1.9% 3.7% 0.7% 0.7% 1.1% 0.5% 0.4% 1.2% 1.9% 0.9% 3.5% 2.8% 0.6% 0.0% 2.5% 3.9% 1.3% 9.2% 2.2% 3.1% 1.1% 1.9% 4.7% 0.7% 2.8% 2.2% 2.9% 1.3% 1.3% 0.9% 0.2% 1.1% 0.3% 1.6% 0.0% 1.2% 2.7% 0.8% 0.0% 0.0% 0.0% 0.3% 0.0% 1.1% 2.1% 1.9% 0.2% 358 11 3 7 0 0 16 5 0 6 0 0 0 0 0 0 3 6 3 116 25 6 10 0 0 5 53 11 0 6 141 20 0 12 0 10 4 6 18 7 0 5 5 13 12 29 47 0 0 0 5 0 38 0 4 0 0.1% 0.9% 0.3% 0.1% 0.0% 0.0% 0.3% 0.1% 0.0% 0.3% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.4% 0.1% 0.2% 0.5% 0.7% 0.6% 0.8% 0.0% 0.0% 0.3% 1.4% 0.3% 0.0% 0.5% 0.3% 0.2% 0.0% 0.5% 0.0% 0.3% 0.1% 0.2% 0.4% 0.2% 0.0% 0.5% 0.1% 0.3% 0.3% 1.3% 0.4% 0.0% 0.0% 0.0% 0.2% 0.0% 1.0% 0.0% 0.2% 0.0% Asian % Asian Other % Other 0 0 13 87 7 8 47 67 0 0 0 37 0 8 0 23 9 48 4 42 4 5 15 0 0 4 0 5 9 0 227 27 0 4 0 5 32 0 6 26 3 0 32 71 21 0 52 5 0 3 11 2 14 2 15 0 0.7% 0.0% 1.5% 1.5% 0.2% 0.5% 0.9% 0.9% 0.0% 0.0% 0.0% 0.8% 0.0% 0.2% 0.0% 1.7% 1.1% 0.9% 0.3% 0.2% 0.1% 0.5% 1.1% 0.0% 0.0% 0.3% 0.0% 0.1% 0.3% 0.0% 0.5% 0.3% 0.0% 0.2% 0.0% 0.2% 0.7% 0.0% 0.1% 0.7% 0.2% 0.0% 0.7% 1.7% 0.6% 0.0% 0.4% 0.7% 0.0% 0.6% 0.4% 0.3% 0.4% 0.2% 0.8% 0.0% 1003 0 2 111 66 8 69 427 54 29 31 59 10 51 0 25 8 36 17 516 126 6 18 7 36 34 70 112 84 23 974 216 16 56 33 122 61 49 56 41 30 10 163 23 75 23 163 2 0 3 21 2 69 19 30 17 1.9% 0.0% 0.2% 1.9% 1.7% 0.5% 1.3% 5.7% 3.1% 1.5% 1.8% 1.3% 0.8% 1.4% 0.0% 1.8% 1.0% 0.7% 1.3% 2.3% 3.6% 0.6% 1.4% 0.4% 1.9% 2.3% 1.8% 3.1% 2.9% 1.8% 2.0% 2.7% 1.6% 2.4% 3.1% 4.2% 1.4% 1.9% 1.2% 1.1% 2.3% 1.1% 3.5% 0.6% 2.2% 1.0% 1.3% 0.3% 0.0% 0.6% 0.9% 0.3% 1.9% 2.1% 1.7% 2.7% Table 3.3A Numbers and Percentages of Households by Family Type: By Towns HOUSEHOLDS Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland TOTAL HH 22,804 709 878 6,459 2,331 1,172 637 900 1,053 865 3,070 1,156 886 1,672 880 136 22,149 2,614 1,677 852 2,403 525 854 1,551 2,713 1,797 2,333 1,130 275 308 587 889 440 1,201 286,820 15,856 10,229 2,034 2,778 11,752 36,985 3,275 12,831 22,276 3,061 6,513 5,319 13,141 17,600 9,446 1,979 89,093 1,278 4,586 14,766 2,022 Married % of all Couples HH 12,724 55.8% 462 65.2% 556 63.3% 2,681 41.5% 1,352 58.0% 741 63.2% 418 65.6% 588 65.3% 764 72.6% 564 65.2% 1,601 52.1% 691 59.8% 598 67.5% 1,048 62.7% 613 69.7% 47 34.6% 12,255 55.3% 1,493 57.1% 1,054 62.9% 549 64.4% 1,051 43.7% 299 57.0% 529 61.9% 944 60.9% 1,607 59.2% 715 39.8% 1,107 47.4% 647 57.3% 198 72.0% 174 56.5% 401 68.3% 529 59.5% 253 57.5% 705 58.7% 138,129 48.2% 7,282 45.9% 6,466 63.2% 1,376 67.6% 1,092 39.3% 6,496 55.3% 20,893 56.5% 2,075 63.4% 7,055 55.0% 11,550 51.8% 2,079 67.9% 4,349 66.8% 3,360 63.2% 8,452 64.3% 11,222 63.8% 6,711 71.0% 1,303 65.8% 22,916 25.7% 902 70.6% 2,143 46.7% 9,206 62.3% 1,201 59.4% FAMILIES % of all HH FHH 2,105 9.2% 30 4.2% 52 5.9% 921 14.3% 204 8.8% 61 5.2% 53 8.3% 64 7.1% 45 4.3% 67 7.7% 261 8.5% 102 8.8% 62 7.0% 92 5.5% 57 6.5% 34 25.0% 2,167 9.8% 210 8.0% 136 8.1% 48 5.6% 202 8.4% 51 9.7% 69 8.1% 92 5.9% 298 11.0% 313 17.4% 306 13.1% 129 11.4% 16 5.8% 34 11.0% 31 5.3% 64 7.2% 42 9.5% 126 10.5% 37,437 13.1% 1,155 7.3% 823 8.0% 162 8.0% 415 14.9% 1,122 9.5% 3,749 10.1% 321 9.8% 1,103 8.6% 2,138 9.6% 162 5.3% 601 9.2% 360 6.8% 915 7.0% 1,306 7.4% 493 5.2% 186 9.4% 20,581 23.1% 77 6.0% 447 9.7% 1,139 7.7% 182 9.0% 98 MHH 1076 35 36 283 103 58 28 21 64 45 159 78 41 89 36 0 1012 113 91 49 29 25 53 66 109 134 75 66 4 31 20 78 38 31 10252 294 399 61 133 464 1279 160 383 697 93 135 317 297 489 150 55 4216 31 149 387 63 % of all HH 4.7% 4.9% 4.1% 4.4% 4.4% 4.9% 4.4% 2.3% 6.1% 5.2% 5.2% 6.7% 4.6% 5.3% 4.1% 0.0% 4.6% 4.3% 5.4% 5.8% 1.2% 4.8% 6.2% 4.3% 4.0% 7.5% 3.2% 5.8% 1.5% 10.1% 3.4% 8.8% 8.6% 2.6% 3.6% 1.9% 3.9% 3.0% 4.8% 3.9% 3.5% 4.9% 3.0% 3.1% 3.0% 2.1% 6.0% 2.3% 2.8% 1.6% 2.8% 4.7% 2.4% 3.2% 2.6% 3.1% FHH 3,932 89 124 1,578 409 132 49 104 104 114 647 156 74 234 86 32 3,646 475 169 110 700 69 100 237 335 361 508 144 25 39 52 106 44 172 56,132 4,281 1,490 214 710 2,314 6,597 414 2,268 5,090 435 812 658 1,874 2,756 1,404 268 20,817 164 874 2,344 348 Non-FAMILIES % of all HH MHH 17.2% 2,967 12.6% 93 14.1% 110 24.4% 996 17.5% 263 11.3% 180 7.7% 89 11.6% 123 9.9% 76 13.2% 75 21.1% 402 13.5% 129 8.4% 111 14.0% 209 9.8% 88 23.5% 23 16.5% 3,069 18.2% 323 10.1% 227 12.9% 96 29.1% 421 13.1% 81 11.7% 103 15.3% 212 12.3% 364 20.1% 274 21.8% 337 12.7% 144 9.1% 32 12.7% 30 8.9% 83 11.9% 112 10.0% 63 14.3% 167 19.6% 44,870 27.0% 2,844 14.6% 1,051 10.5% 221 25.6% 428 19.7% 1,356 17.8% 4,467 12.6% 305 17.7% 2,022 22.8% 2,801 14.2% 292 12.5% 616 12.4% 624 14.3% 1,603 15.7% 1,827 14.9% 688 13.5% 167 23.4% 20,563 12.8% 104 19.1% 973 15.9% 1,690 17.2% 228 % of all HH 13.0% 13.1% 12.5% 15.4% 11.3% 15.4% 14.0% 13.7% 7.2% 8.7% 13.1% 11.2% 12.5% 12.5% 10.0% 16.9% 13.9% 12.4% 13.5% 11.3% 17.5% 15.4% 12.1% 13.7% 13.4% 15.2% 14.4% 12.7% 11.6% 9.7% 14.1% 12.6% 14.3% 13.9% 15.6% 17.9% 10.3% 10.9% 15.4% 11.5% 12.1% 9.3% 15.8% 12.6% 9.5% 9.5% 11.7% 12.2% 10.4% 7.3% 8.4% 23.1% 8.1% 21.2% 11.4% 11.3% Table 3.3A Numbers and Percentages of Households by Family Type: By Towns HOUSEHOLDS TOTAL HH 38,392 Ontario Bristol 902 Canadice 801 Canandaigua city 4,773 Canandaigua 2,885 East Bloomfield 1,215 Farmington 3,879 Geneva city 4,970 Geneva 1,403 Gorham 1,407 Hopewell 1,256 Manchester 3,607 Naples 990 Phelps 2,641 Richmond 1,289 Seneca 1,021 South Bristol 673 Victor 3,665 West Bloomfield 1,015 15,350 Orleans Albion 2,367 Barre 730 Carlton 1,092 Clarendon 1,228 Gaines 1,533 Kendall 963 Murray 1,882 Ridgeway 2,618 Shelby 2,016 Yates 921 34,970 Wayne Arcadia 5,836 Butler 738 Galen 1,666 Huron 812 Lyons 2,155 Macedon 3,243 Marion 1,749 Ontario 3,624 Palmyra 3,002 Rose town 899 Savannah 651 Sodus 3,448 Walworth 2,845 Williamson 2,559 Wolcott 1,743 9,056 Yates Barrington 474 Benton 880 Italy 407 Jerusalem 1,616 Middlesex 521 Milo 2,874 Potter 595 Starkey 1,242 Torrey 447 Married % of all Couples HH 21,350 55.6% 600 66.5% 448 55.9% 1,983 41.5% 1,851 64.2% 756 62.2% 2,292 59.1% 2,028 40.8% 771 55.0% 848 60.3% 718 57.2% 1,982 54.9% 541 54.6% 1,613 61.1% 838 65.0% 669 65.5% 396 58.8% 2,430 66.3% 586 57.7% 8,318 54.2% 1,080 45.6% 490 67.1% 650 59.5% 701 57.1% 797 52.0% 674 70.0% 1,001 53.2% 1,351 51.6% 1,037 51.4% 537 58.3% 19,930 57.0% 2,819 48.3% 413 56.0% 948 56.9% 487 60.0% 1,030 47.8% 1,988 61.3% 1,107 63.3% 2,080 57.4% 1,711 57.0% 524 58.3% 353 54.2% 1,894 54.9% 2,079 73.1% 1,632 63.8% 865 49.6% 5,039 55.6% 347 73.2% 568 64.5% 252 61.9% 939 58.1% 308 59.1% 1,322 46.0% 397 66.7% 639 51.4% 267 59.7% FAMILIES % of all FHH HH 3,810 9.9% 66 7.3% 54 6.7% 605 12.7% 179 6.2% 94 7.7% 446 11.5% 722 14.5% 88 6.3% 150 10.7% 148 11.8% 355 9.8% 105 10.6% 274 10.4% 96 7.4% 84 8.2% 45 6.7% 224 6.1% 75 7.4% 1,756 11.4% 341 14.4% 52 7.1% 73 6.7% 101 8.2% 224 14.6% 93 9.7% 185 9.8% 344 13.1% 259 12.8% 84 9.1% 3,545 10.1% 821 14.1% 83 11.2% 161 9.7% 64 7.9% 240 11.1% 357 11.0% 174 9.9% 420 11.6% 213 7.1% 88 9.8% 73 11.2% 327 9.5% 146 5.1% 185 7.2% 193 11.1% 845 9.3% 28 5.9% 68 7.7% 19 4.7% 103 6.4% 48 9.2% 309 10.8% 67 11.3% 168 13.5% 35 7.8% 99 MHH 1377 30 42 156 95 71 163 198 27 38 44 155 37 97 21 35 29 64 75 806 139 36 51 87 41 37 139 140 88 48 1662 346 49 90 35 129 86 56 195 99 36 52 171 120 107 91 432 7 21 18 78 30 186 12 55 25 % of all HH 3.6% 3.3% 5.2% 3.3% 3.3% 5.8% 4.2% 4.0% 1.9% 2.7% 3.5% 4.3% 3.7% 3.7% 1.6% 3.4% 4.3% 1.7% 7.4% 5.3% 5.9% 4.9% 4.7% 7.1% 2.7% 3.8% 7.4% 5.3% 4.4% 5.2% 4.8% 5.9% 6.6% 5.4% 4.3% 6.0% 2.7% 3.2% 5.4% 3.3% 4.0% 8.0% 5.0% 4.2% 4.2% 5.2% 4.8% 1.5% 2.4% 4.4% 4.8% 5.8% 6.5% 2.0% 4.4% 5.6% FHH 6,563 64 111 1,212 358 141 510 1,175 286 198 137 691 178 418 155 113 74 602 140 2,351 418 69 105 164 259 71 244 466 409 146 5,295 1,106 90 227 90 410 375 252 507 522 149 92 540 241 365 329 1,461 40 108 44 243 61 664 47 188 66 Non-FAMILIES % of all MHH HH 17.1% 5,292 7.1% 142 13.9% 146 25.4% 817 12.4% 402 11.6% 153 13.1% 468 23.6% 847 20.4% 231 14.1% 173 10.9% 209 19.2% 424 18.0% 129 15.8% 239 12.0% 179 11.1% 120 11.0% 129 16.4% 345 13.8% 139 15.3% 2,119 17.7% 389 9.5% 83 9.6% 213 13.4% 175 16.9% 212 7.4% 88 13.0% 313 17.8% 317 20.3% 223 15.9% 106 15.1% 4,538 19.0% 744 12.2% 103 13.6% 240 11.1% 136 19.0% 346 11.6% 437 14.4% 160 14.0% 422 17.4% 457 16.6% 102 14.1% 81 15.7% 516 8.5% 259 14.3% 270 18.9% 265 16.1% 1,279 8.4% 52 12.3% 115 10.8% 74 15.0% 253 11.7% 74 23.1% 393 7.9% 72 15.1% 192 14.8% 54 % of all HH 13.8% 15.7% 18.2% 17.1% 13.9% 12.6% 12.1% 17.0% 16.5% 12.3% 16.6% 11.8% 13.0% 9.0% 13.9% 11.8% 19.2% 9.4% 13.7% 13.8% 16.4% 11.4% 19.5% 14.3% 13.8% 9.1% 16.6% 12.1% 11.1% 11.5% 13.0% 12.7% 14.0% 14.4% 16.7% 16.1% 13.5% 9.1% 11.6% 15.2% 11.3% 12.4% 15.0% 9.1% 10.6% 15.2% 14.1% 11.0% 13.1% 18.2% 15.7% 14.2% 13.7% 12.1% 15.5% 12.1% TABLE 3.4 A Numbers and Percentages of Female Heads of Households in Families by Children’s Age: By Town Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland FHH with ALL FHH children < in families 18 2,105 1,241 30 13 52 22 921 559 204 103 61 48 53 29 64 42 45 15 67 36 261 174 102 62 62 18 92 79 57 28 34 13 2,167 1,444 210 171 136 107 48 28 202 146 51 34 69 43 92 47 298 166 313 172 306 253 129 94 16 10 34 13 31 21 64 46 42 14 126 79 37,437 23,821 1,155 621 823 484 162 100 415 278 1,122 531 3,749 2,203 321 211 1,103 561 2,138 1,082 162 93 601 342 360 232 915 448 1,306 750 493 315 186 94 20,581 14,338 77 38 447 280 1,139 714 182 106 % of all FHH in families 59.0% 43.3% 42.3% 60.7% 50.5% 78.7% 54.7% 65.6% 33.3% 53.7% 66.7% 60.8% 29.0% 85.9% 49.1% 38.2% 66.6% 81.4% 78.7% 58.3% 72.3% 66.7% 62.3% 51.1% 55.7% 55.0% 82.7% 72.9% 62.5% 38.2% 67.7% 71.9% 33.3% 62.7% 63.6% 53.8% 58.8% 61.7% 67.0% 47.3% 58.8% 65.7% 50.9% 50.6% 57.4% 56.9% 64.4% 49.0% 57.4% 63.9% 50.5% 69.7% 49.4% 62.6% 62.7% 58.2% FHH with own children < 18 years of age % of FHH FHH with % of FHH FHH with with FHH with % of FHH children with children children < 6 children < 6 chilren 0 to with chilren between 6 & between 6 & yrs yrs 17 yrs 0 to 17 yrs 17 only 17 only 226 18.2% 171 13.8% 844 68.0% 2 15.4% 3 23.1% 8 61.5% 5 22.7% 4 18.2% 13 59.1% 122 21.8% 90 16.1% 347 62.1% 37 35.9% 0 0.0% 66 64.1% 2 4.2% 16 33.3% 30 62.5% 7 24.1% 4 13.8% 18 62.1% 10 23.8% 16 38.1% 16 38.1% 1 6.7% 3 20.0% 11 73.3% 0 0.0% 4 11.1% 32 88.9% 16 9.2% 16 9.2% 142 81.6% 3 4.8% 12 19.4% 47 75.8% 4 22.2% 0 0.0% 14 77.8% 8 10.1% 0 0.0% 71 89.9% 2 7.1% 3 10.7% 23 82.1% 7 53.8% 0 0.0% 6 46.2% 292 20.2% 154 10.7% 998 69.1% 22 12.9% 28 16.4% 121 70.8% 19 17.8% 6 5.6% 82 76.6% 0 0.0% 3 10.7% 25 89.3% 23 15.8% 5 3.4% 118 80.8% 0 0.0% 3 8.8% 31 91.2% 5 11.6% 0 0.0% 38 88.4% 5 10.6% 0 0.0% 42 89.4% 28 16.9% 9 5.4% 129 77.7% 68 39.5% 41 23.8% 63 36.6% 72 28.5% 45 17.8% 136 53.8% 14 14.9% 12 12.8% 68 72.3% 5 50.0% 0 0.0% 5 50.0% 0 0.0% 0 0.0% 13 100.0% 8 38.1% 2 9.5% 11 52.4% 4 8.7% 0 0.0% 42 91.3% 2 14.3% 0 0.0% 12 85.7% 17 21.5% 0 0.0% 62 78.5% 4,660 19.6% 4,448 18.7% 14,713 61.8% 141 22.7% 26 4.2% 454 73.1% 81 16.7% 62 12.8% 341 70.5% 16 16.0% 16 16.0% 68 68.0% 40 14.4% 38 13.7% 200 71.9% 92 17.3% 49 9.2% 390 73.4% 336 15.3% 324 14.7% 1,543 70.0% 43 20.4% 58 27.5% 110 52.1% 96 17.1% 78 13.9% 387 69.0% 141 13.0% 126 11.6% 815 75.3% 4 4.3% 5 5.4% 84 90.3% 23 6.7% 37 10.8% 282 82.5% 24 10.3% 39 16.8% 169 72.8% 47 10.5% 38 8.5% 363 81.0% 50 6.7% 108 14.4% 592 78.9% 32 10.2% 39 12.4% 244 77.5% 9 9.6% 19 20.2% 66 70.2% 3,295 23.0% 3,271 22.8% 7,772 54.2% 8 21.1% 7 18.4% 23 60.5% 20 7.1% 35 12.5% 225 80.4% 147 20.6% 63 8.8% 504 70.6% 15 14.2% 10 9.4% 81 76.4% 100 TABLE 3.4 A Numbers and Percentages of Female Heads of Households in Families by Children’s Age: By Town FHH with ALL FHH children < in families 18 3,810 2,398 Ontario Bristol 66 39 Canadice 54 31 Canandaigua city 605 363 Canandaigua 179 103 East Bloomfield 94 69 Farmington 446 300 Geneva city 722 509 Geneva 88 38 Gorham 150 83 Hopewell 148 93 Manchester 355 245 Naples 105 81 Phelps 274 167 Richmond 96 59 Seneca 84 21 South Bristol 45 27 Victor 224 132 West Bloomfield 75 38 1,756 1,131 Orleans Albion 341 236 Barre 52 15 Carlton 73 48 Clarendon 101 53 Gaines 224 138 Kendall 93 60 Murray 185 132 Ridgeway 344 221 Shelby 259 172 Yates 84 56 3,545 2,382 Wayne Arcadia 821 532 Butler 83 50 Galen 161 104 Huron 64 36 Lyons 240 154 Macedon 357 270 Marion 174 117 Ontario 420 310 Palmyra 213 151 Rose town 88 63 Savannah 73 44 Sodus 327 214 Walworth 146 105 Williamson 185 69 Wolcott 193 163 845 555 Yates Barrington 28 11 Benton 68 49 Italy 19 10 Jerusalem 103 81 Middlesex 48 25 Milo 309 199 Potter 67 53 Starkey 168 108 Torrey 35 19 % of all FHH in families 62.9% 59.1% 57.4% 60.0% 57.5% 73.4% 67.3% 70.5% 43.2% 55.3% 62.8% 69.0% 77.1% 60.9% 61.5% 25.0% 60.0% 58.9% 50.7% 64.4% 69.2% 28.8% 65.8% 52.5% 61.6% 64.5% 71.4% 64.2% 66.4% 66.7% 67.2% 64.8% 60.2% 64.6% 56.3% 64.2% 75.6% 67.2% 73.8% 70.9% 71.6% 60.3% 65.4% 71.9% 37.3% 84.5% 65.7% 39.3% 72.1% 52.6% 78.6% 52.1% 64.4% 79.1% 64.3% 54.3% FHH with own children < 18 years of age % of FHH FHH with % of FHH FHH with with FHH with % of FHH children with children children < 6 children < 6 chilren 0 to with chilren between 6 & between 6 & yrs yrs 17 yrs 0 to 17 yrs 17 only 17 only 489 20.4% 434 18.1% 1,475 61.5% 6 15.4% 0 0.0% 33 84.6% 9 29.0% 5 16.1% 17 54.8% 92 25.3% 43 11.8% 228 62.8% 24 23.3% 6 5.8% 73 70.9% 9 13.0% 18 26.1% 42 60.9% 65 21.7% 56 18.7% 179 59.7% 145 28.5% 133 26.1% 231 45.4% 0 0.0% 10 26.3% 28 73.7% 7 8.4% 7 8.4% 69 83.1% 6 6.5% 17 18.3% 70 75.3% 58 23.7% 77 31.4% 110 44.9% 18 22.2% 14 17.3% 49 60.5% 26 15.6% 19 11.4% 122 73.1% 0 0.0% 7 11.9% 52 88.1% 0 0.0% 0 0.0% 21 100.0% 2 7.4% 2 7.4% 23 85.2% 17 12.9% 8 6.1% 107 81.1% 5 13.2% 12 31.6% 21 55.3% 195 17.2% 251 22.2% 685 60.6% 62 26.3% 26 11.0% 148 62.7% 2 13.3% 4 26.7% 9 60.0% 4 8.3% 7 14.6% 37 77.1% 0 0.0% 22 41.5% 31 58.5% 18 13.0% 39 28.3% 81 58.7% 0 0.0% 0 0.0% 60 100.0% 27 20.5% 34 25.8% 71 53.8% 42 19.0% 50 22.6% 129 58.4% 30 17.4% 54 31.4% 88 51.2% 10 17.9% 15 26.8% 31 55.4% 481 20.2% 424 17.8% 1,477 62.0% 84 15.8% 98 18.4% 350 65.8% 7 14.0% 13 26.0% 30 60.0% 11 10.6% 37 35.6% 56 53.8% 14 38.9% 9 25.0% 13 36.1% 53 34.4% 22 14.3% 79 51.3% 51 18.9% 49 18.1% 170 63.0% 12 10.3% 28 23.9% 77 65.8% 62 20.0% 56 18.1% 192 61.9% 54 35.8% 8 5.3% 89 58.9% 12 19.0% 11 17.5% 40 63.5% 10 22.7% 5 11.4% 29 65.9% 43 20.1% 30 14.0% 141 65.9% 15 14.3% 0 0.0% 90 85.7% 13 18.8% 25 36.2% 31 44.9% 40 24.5% 33 20.2% 90 55.2% 109 19.6% 87 15.7% 359 64.7% 1 9.1% 5 45.5% 5 45.5% 10 20.4% 8 16.3% 31 63.3% 4 40.0% 0 0.0% 6 60.0% 9 11.1% 14 17.3% 58 71.6% 0 0.0% 8 32.0% 17 68.0% 61 30.7% 25 12.6% 113 56.8% 11 20.8% 9 17.0% 33 62.3% 11 10.2% 13 12.0% 84 77.8% 2 10.5% 5 26.3% 12 63.2% 101 TABLE 3.5 A Numbers and Percentages of Female Heads of Households by Age: By Town Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland Total 2,105 30 52 921 204 61 53 64 45 67 261 102 62 92 57 34 2,167 210 136 48 202 51 69 92 298 313 306 129 16 34 31 64 42 126 37,437 1,155 823 162 415 1,122 3,749 321 1,103 2,138 162 601 360 915 1,306 493 186 20,581 77 447 1,139 182 FHH in Families < 45 yrs 1,191 13 26 539 96 47 18 43 15 41 170 57 19 71 23 13 1,287 143 80 18 125 29 33 34 134 194 236 85 6 17 23 41 18 71 22,888 561 454 106 247 405 1,930 201 585 1,005 79 364 224 394 643 233 74 14,371 34 228 653 97 % 56.6% 43.3% 50.0% 58.5% 47.1% 77.0% 34.0% 67.2% 33.3% 61.2% 65.1% 55.9% 30.6% 77.2% 40.4% 38.2% 59.4% 68.1% 58.8% 37.5% 61.9% 56.9% 47.8% 37.0% 45.0% 62.0% 77.1% 65.9% 37.5% 50.0% 74.2% 64.1% 42.9% 56.3% 61.1% 48.6% 55.2% 65.4% 59.5% 36.1% 51.5% 62.6% 53.0% 47.0% 48.8% 60.6% 62.2% 43.1% 49.2% 47.3% 39.8% 69.8% 44.2% 51.0% 57.3% 53.3% 102 Total 3,932 89 124 1,578 409 132 49 104 104 114 647 156 74 234 86 32 3,646 475 169 110 700 69 100 237 335 361 508 144 25 39 52 106 44 172 56,132 4,281 1,490 214 710 2,314 6,597 414 2,268 5,090 435 812 658 1,874 2,756 1,404 268 20,817 164 874 2,344 348 FHH in Non-Families 45+ yrs % 65+ yrs 3,040 77.3% 2,000 82 92.1% 56 97 78.2% 66 1,262 80.0% 888 334 81.7% 204 112 84.8% 77 33 67.3% 19 66 63.5% 39 66 63.5% 30 95 83.3% 74 420 64.9% 246 134 85.9% 70 56 75.7% 38 191 81.6% 127 65 75.6% 53 27 84.4% 13 2,671 73.3% 1,652 376 79.2% 233 137 81.1% 87 87 79.1% 67 280 40.0% 155 48 69.6% 20 82 82.0% 54 191 80.6% 121 274 81.8% 121 295 81.7% 175 435 85.6% 332 112 77.8% 55 16 64.0% 7 39 100.0% 11 49 94.2% 30 73 68.9% 55 36 81.8% 8 141 82.0% 121 38,500 68.6% 22,288 2,832 66.2% 1,759 1,088 73.0% 708 194 90.7% 156 480 67.6% 276 1,776 76.8% 1,148 5,203 78.9% 3,306 246 59.4% 130 1,367 60.3% 755 4,263 83.8% 2,982 340 78.2% 189 491 60.5% 187 474 72.0% 243 1,348 71.9% 744 2,145 77.8% 991 1,158 82.5% 732 208 77.6% 156 12,321 59.2% 6,281 133 81.1% 82 475 54.3% 274 1,733 73.9% 1,061 225 64.7% 128 % 65.8% 68.3% 68.0% 70.4% 61.1% 68.8% 57.6% 59.1% 45.5% 77.9% 58.6% 52.2% 67.9% 66.5% 81.5% 48.1% 61.8% 62.0% 63.5% 77.0% 55.4% 41.7% 65.9% 63.4% 44.2% 59.3% 76.3% 49.1% 43.8% 28.2% 61.2% 75.3% 22.2% 85.8% 57.9% 62.1% 65.1% 80.4% 57.5% 64.6% 63.5% 52.8% 55.2% 70.0% 55.6% 38.1% 51.3% 55.2% 46.2% 63.2% 75.0% 51.0% 61.7% 57.7% 61.2% 56.9% TABLE 3.5 A Numbers and Percentages of Female Heads of Households by Age: By Town Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey Total 3,810 66 54 605 179 94 446 722 88 150 148 355 105 274 96 84 45 224 75 1,756 341 52 73 101 224 93 185 344 259 84 3,545 821 83 161 64 240 357 174 420 213 88 73 327 146 185 193 845 28 68 19 103 48 309 67 168 35 FHH in Families < 45 yrs 2,267 35 27 319 105 71 300 481 38 90 83 233 69 171 51 26 20 104 44 1,093 226 15 40 66 132 41 138 215 159 61 2,248 486 50 99 36 155 246 115 296 152 60 48 184 106 64 151 469 13 49 10 53 24 159 42 101 18 % 59.5% 53.0% 50.0% 52.7% 58.7% 75.5% 67.3% 66.6% 43.2% 60.0% 56.1% 65.6% 65.7% 62.4% 53.1% 31.0% 44.4% 46.4% 58.7% 62.2% 66.3% 28.8% 54.8% 65.3% 58.9% 44.1% 74.6% 62.5% 61.4% 72.6% 63.4% 59.2% 60.2% 61.5% 56.3% 64.6% 68.9% 66.1% 70.5% 71.4% 68.2% 65.8% 56.3% 72.6% 34.6% 78.2% 55.5% 46.4% 72.1% 52.6% 51.5% 50.0% 51.5% 62.7% 60.1% 51.4% 103 Total 6,563 64 111 1,212 358 141 510 1,175 286 198 137 691 178 418 155 113 74 602 140 2,351 418 69 105 164 259 71 244 466 409 146 5,295 1,106 90 227 90 410 375 252 507 522 149 92 540 241 365 329 1,461 40 108 44 243 61 664 47 188 66 FHH in Non-Families 45+ yrs % 65+ yrs 4,923 75.0% 3,003 31 48.4% 21 87 78.4% 41 887 73.2% 580 272 76.0% 144 97 68.8% 65 380 74.5% 150 819 69.7% 590 245 85.7% 141 177 89.4% 115 112 81.8% 61 527 76.3% 346 152 85.4% 97 335 80.1% 212 131 84.5% 58 58 51.3% 46 64 86.5% 43 436 72.4% 230 113 80.7% 63 1,915 81.5% 1,260 370 88.5% 239 54 78.3% 39 67 63.8% 26 122 74.4% 60 221 85.3% 182 66 93.0% 34 171 70.1% 111 362 77.7% 215 337 82.4% 256 145 99.3% 98 4,220 79.7% 2,620 922 83.4% 627 72 80.0% 52 204 89.9% 153 74 82.2% 49 325 79.3% 210 228 60.8% 109 196 77.8% 128 429 84.6% 242 434 83.1% 250 128 85.9% 75 84 91.3% 64 414 76.7% 232 145 60.2% 66 299 81.9% 188 266 80.9% 175 1,217 83.3% 859 36 90.0% 30 98 90.7% 35 34 77.3% 13 206 84.8% 139 55 90.2% 34 527 79.4% 423 34 72.3% 15 169 89.9% 135 58 87.9% 35 % 61.0% 67.7% 47.1% 65.4% 52.9% 67.0% 39.5% 72.0% 57.6% 65.0% 54.5% 65.7% 63.8% 63.3% 44.3% 79.3% 67.2% 52.8% 55.8% 65.8% 64.6% 72.2% 38.8% 49.2% 82.4% 51.5% 64.9% 59.4% 76.0% 67.6% 62.1% 68.0% 72.2% 75.0% 66.2% 64.6% 47.8% 65.3% 56.4% 57.6% 58.6% 76.2% 56.0% 45.5% 62.9% 65.8% 70.6% 83.3% 35.7% 38.2% 67.5% 61.8% 80.3% 44.1% 79.9% 60.3% TABLE 3.6A Educational Attainment for Women 25 Years of Age and Older: By Town < 9th grade Genesee County Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland # 1,042 39 24 420 160 33 7 0 28 40 137 59 33 38 8 16 638 43 42 21 103 4 39 61 50 104 77 28 4 14 16 4 6 22 11,712 476 232 52 136 864 1,124 59 260 1,319 31 80 120 501 338 87 31 5,452 10 113 391 36 % 5.0% 6.0% 3.0% 7.3% 7.4% 3.2% 1.2% 0.0% 2.8% 5.0% 4.9% 5.6% 4.1% 2.5% 1.0% 11.8% 3.2% 1.8% 2.8% 2.8% 5.5% 0.8% 5.2% 4.1% 2.0% 6.5% 3.8% 2.8% 1.5% 5.0% 2.7% 0.5% 1.5% 2.0% 4.6% 3.4% 2.5% 2.5% 5.5% 7.7% 3.3% 2.0% 2.3% 6.2% 1.0% 1.3% 2.4% 3.9% 2.0% 0.9% 1.7% 7.6% 0.8% 3.3% 2.9% 2.0% 9-12 grade no diploma # 1,879 51 38 680 173 55 39 66 99 67 223 114 54 140 63 17 1,994 199 113 55 162 46 109 116 146 323 261 103 14 30 44 109 50 114 28,341 856 686 221 244 1,527 3,373 248 770 2,280 146 430 411 707 685 341 95 13,946 83 333 855 104 % 9.1% 7.9% 4.7% 11.8% 8.0% 5.4% 6.9% 8.1% 10.0% 8.3% 8.0% 10.8% 6.7% 9.3% 7.5% 12.5% 10.1% 8.4% 7.4% 7.3% 8.6% 9.0% 14.5% 7.7% 5.9% 20.1% 12.9% 10.3% 5.4% 10.7% 7.5% 13.6% 12.8% 10.6% 11.1% 6.1% 7.3% 10.6% 9.9% 13.7% 9.8% 8.6% 6.8% 10.7% 4.9% 7.0% 8.3% 5.5% 4.1% 3.5% 5.1% 19.5% 6.8% 9.6% 6.2% 5.9% High School diploma # 7,865 288 327 1,953 919 373 214 335 341 293 1,140 422 253 638 313 56 6,738 708 568 249 431 158 280 412 634 595 745 458 114 154 262 344 167 459 71,193 2,202 2,939 624 748 3,742 12,180 1,161 3,243 6,332 519 1,730 1,791 2,928 3,163 1,276 575 20,550 279 861 3,862 488 % 38.0% 44.4% 40.6% 33.9% 42.7% 36.6% 37.6% 41.1% 34.5% 36.3% 40.7% 39.8% 31.2% 42.5% 37.3% 41.2% 34.0% 29.7% 37.4% 33.0% 22.8% 30.9% 37.3% 27.4% 25.7% 37.0% 36.8% 45.8% 43.8% 55.0% 44.7% 42.8% 42.6% 42.6% 27.8% 15.6% 31.1% 30.0% 30.3% 33.6% 35.4% 40.2% 28.6% 29.8% 17.5% 28.0% 36.2% 22.9% 18.9% 13.2% 30.7% 28.8% 23.0% 24.8% 28.2% 27.5% 104 Some college no degree # 3,740 111 172 964 349 233 121 180 206 132 426 206 189 263 159 29 4,066 592 330 190 259 95 133 309 561 317 559 167 59 44 109 131 76 135 45,067 2,046 1,963 349 584 2,024 6,456 609 2,209 3,794 555 1,186 915 2,084 2,975 1,624 307 11,749 221 651 2,457 309 % 18.1% 17.1% 21.4% 16.7% 16.2% 22.9% 21.3% 22.1% 20.9% 16.4% 15.2% 19.5% 23.3% 17.5% 19.0% 21.3% 20.5% 24.9% 21.8% 25.2% 13.7% 18.6% 17.7% 20.5% 22.7% 19.7% 27.6% 16.7% 22.7% 15.7% 18.6% 16.3% 19.4% 12.5% 17.6% 14.5% 20.8% 16.8% 23.6% 18.2% 18.8% 21.1% 19.5% 17.9% 18.7% 19.2% 18.5% 16.3% 17.8% 16.8% 16.4% 16.5% 18.2% 18.8% 17.9% 17.4% Associates degree # 2,766 79 105 733 300 122 84 107 161 105 390 143 98 200 128 11 2,335 257 187 107 199 70 52 196 447 89 147 110 35 17 72 95 41 214 26,649 1,092 1,149 234 200 1,220 4,119 331 1,705 2,226 306 769 627 1,356 1,791 778 239 5,893 115 386 1,814 299 % 13.4% 12.2% 13.0% 12.7% 13.9% 12.0% 14.8% 13.1% 16.3% 13.0% 13.9% 13.5% 12.1% 13.3% 15.3% 8.1% 11.8% 10.8% 12.3% 14.2% 10.5% 13.7% 6.9% 13.0% 18.1% 5.5% 7.3% 11.0% 13.5% 6.1% 12.3% 11.8% 10.5% 19.9% 10.4% 7.7% 12.2% 11.3% 8.1% 10.9% 12.0% 11.5% 15.0% 10.5% 10.3% 12.4% 12.7% 10.6% 10.7% 8.0% 12.7% 8.3% 9.5% 11.1% 13.2% 16.9% Bachelors degree # 2,042 50 89 614 187 119 64 82 67 101 292 57 79 141 100 0 2,246 328 161 88 263 74 82 249 395 92 156 67 23 13 50 92 29 84 42,927 3,717 1,513 352 322 1,165 4,629 317 1,909 3,182 787 1,238 684 3,171 4,572 3,000 378 8,306 327 599 2,427 332 % 9.9% 7.7% 11.1% 10.6% 8.7% 11.7% 11.2% 10.1% 6.8% 12.5% 10.4% 5.4% 9.8% 9.4% 11.9% 0.0% 11.3% 13.8% 10.6% 11.7% 13.9% 14.5% 10.9% 16.5% 16.0% 5.7% 7.7% 6.7% 8.8% 4.6% 8.5% 11.4% 7.4% 7.8% 16.8% 26.3% 16.0% 16.9% 13.0% 10.4% 13.5% 11.0% 16.8% 15.0% 26.5% 20.0% 13.8% 24.8% 27.4% 31.0% 20.2% 11.6% 26.9% 17.3% 17.7% 18.7% Graduate or Professional degree # % 1,385 6.7% 30 4.6% 50 6.2% 405 7.0% 64 3.0% 84 8.2% 40 7.0% 45 5.5% 86 8.7% 69 8.6% 193 6.9% 58 5.5% 104 12.8% 82 5.5% 68 8.1% 7 5.1% 1,793 9.1% 255 10.7% 116 7.6% 44 5.8% 472 25.0% 64 12.5% 55 7.3% 162 10.8% 238 9.6% 88 5.5% 79 3.9% 67 6.7% 11 4.2% 8 2.9% 33 5.6% 29 3.6% 23 5.9% 49 4.5% 30,024 11.7% 3,740 26.5% 956 10.1% 248 11.9% 238 9.6% 608 5.5% 2,532 7.4% 165 5.7% 1,261 11.1% 2,105 9.9% 623 21.0% 751 12.1% 406 8.2% 2,058 16.1% 3,174 19.0% 2,578 26.6% 250 13.3% 5,519 7.7% 180 14.8% 522 15.1% 1,904 13.9% 206 11.6% TABLE 3.6A Educational Attainment for Women 25 Years of Age and Older: By Town < 9th grade Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey 9-12 grade no diploma High School diploma Some college, no degree Associates degree Bachelors degree # % # % # % # % # % # % 1,158 3.3% 2,835 8.2% 10,952 31.6% 6,945 20.0% 4,447 12.8% 4,829 13.9% 15 1.9% 71 8.9% 195 24.5% 153 19.2% 113 14.2% 158 19.8% 25 3.9% 74 11.5% 202 31.3% 127 19.7% 56 8.7% 99 15.3% 216 5.2% 317 7.6% 1,238 29.8% 876 21.1% 455 11.0% 636 15.3% 38 1.4% 165 6.3% 670 25.4% 540 20.5% 415 15.7% 406 15.4% 16 1.4% 60 5.3% 305 27.0% 247 21.8% 178 15.7% 178 15.7% 47 1.4% 229 6.6% 1,197 34.4% 738 21.2% 499 14.3% 462 13.3% 359 8.4% 535 12.5% 1,363 32.0% 706 16.6% 370 8.7% 501 11.8% 35 2.8% 92 7.3% 377 29.7% 328 25.9% 156 12.3% 164 12.9% 48 3.7% 153 11.8% 424 32.6% 219 16.9% 178 13.7% 134 10.3% 44 3.7% 123 10.2% 466 38.7% 289 24.0% 129 10.7% 106 8.8% 110 3.3% 308 9.4% 1,372 41.7% 641 19.5% 343 10.4% 325 9.9% 25 2.8% 85 9.4% 275 30.5% 166 18.4% 140 15.5% 154 17.1% 76 3.1% 239 9.8% 816 33.4% 443 18.1% 390 15.9% 274 11.2% 7 0.6% 58 5.0% 379 32.5% 291 24.9% 120 10.3% 185 15.9% 24 2.5% 60 6.3% 327 34.5% 193 20.4% 133 14.0% 121 12.8% 19 3.2% 27 4.5% 140 23.4% 112 18.7% 105 17.6% 110 18.4% 44 1.2% 170 4.8% 838 23.7% 730 20.7% 527 14.9% 703 19.9% 10 1.1% 69 7.6% 368 40.8% 146 16.2% 140 15.5% 113 12.5% 960 6.4% 2,225 14.9% 5,985 40.0% 2,431 16.2% 1,409 9.4% 1,230 8.2% 156 7.2% 253 11.6% 882 40.6% 345 15.9% 212 9.8% 218 10.0% 35 5.0% 84 12.0% 279 39.8% 124 17.7% 72 10.3% 74 10.6% 15 1.6% 98 10.4% 408 43.5% 142 15.1% 130 13.8% 98 10.4% 58 5.0% 157 13.6% 439 38.1% 215 18.6% 136 11.8% 126 10.9% 73 5.5% 157 11.9% 567 42.8% 237 17.9% 134 10.1% 97 7.3% 17 1.8% 72 7.7% 330 35.3% 217 23.2% 118 12.6% 106 11.3% 249 9.2% 786 29.0% 849 31.4% 336 12.4% 200 7.4% 155 5.7% 124 5.4% 265 11.5% 1,086 47.2% 361 15.7% 201 8.7% 142 6.2% 190 10.0% 263 13.8% 790 41.4% 302 15.8% 135 7.1% 157 8.2% 43 5.2% 90 10.8% 355 42.8% 152 18.3% 71 8.6% 57 6.9% 1,664 5.2% 3,493 11.0% 11,669 36.7% 5,919 18.6% 3,453 10.9% 3,374 10.6% 500 9.2% 701 12.9% 1,995 36.6% 783 14.4% 597 11.0% 504 9.2% 42 6.4% 78 11.9% 270 41.3% 144 22.0% 57 8.7% 47 7.2% 117 7.8% 168 11.3% 742 49.7% 241 16.1% 115 7.7% 86 5.8% 60 8.1% 98 13.2% 230 31.0% 158 21.3% 74 10.0% 93 12.5% 172 8.6% 287 14.4% 793 39.8% 287 14.4% 144 7.2% 150 7.5% 104 3.6% 219 7.6% 864 30.0% 633 22.0% 424 14.7% 413 14.3% 43 2.6% 150 9.1% 639 38.6% 336 20.3% 189 11.4% 153 9.3% 109 3.4% 231 7.1% 1,148 35.3% 682 21.0% 405 12.5% 406 12.5% 84 3.2% 366 13.8% 961 36.2% 507 19.1% 310 11.7% 216 8.1% 28 3.5% 116 14.6% 298 37.6% 183 23.1% 72 9.1% 52 6.6% 57 9.4% 95 15.7% 245 40.5% 91 15.0% 67 11.1% 28 4.6% 140 4.5% 426 13.8% 1,254 40.7% 607 19.7% 197 6.4% 284 9.2% 42 1.5% 134 4.9% 752 27.5% 508 18.6% 391 14.3% 630 23.1% 89 3.8% 166 7.0% 811 34.4% 535 22.7% 317 13.5% 218 9.3% 77 5.2% 258 17.5% 667 45.3% 224 15.2% 94 6.4% 94 6.4% 510 6.2% 988 12.1% 2,926 35.7% 1,457 17.8% 739 9.0% 789 9.6% 62 14.0% 46 10.4% 148 33.3% 76 17.1% 50 11.3% 30 6.8% 77 9.1% 98 11.5% 286 33.7% 170 20.0% 44 5.2% 101 11.9% 13 4.0% 57 17.3% 118 35.9% 62 18.8% 23 7.0% 25 7.6% 14 1.0% 130 8.9% 538 36.7% 253 17.3% 120 8.2% 201 13.7% 7 1.5% 45 9.5% 151 31.9% 99 20.9% 57 12.1% 57 12.1% 129 5.1% 379 14.9% 942 37.1% 484 19.1% 205 8.1% 206 8.1% 63 11.7% 40 7.4% 187 34.8% 102 19.0% 75 13.9% 40 7.4% 112 9.9% 138 12.1% 408 35.9% 131 11.5% 126 11.1% 99 8.7% 33 7.9% 55 13.1% 148 35.3% 80 19.1% 39 9.3% 30 7.2% 105 Graduate or Professional degree # % 3,498 10.1% 92 11.5% 63 9.8% 416 10.0% 403 15.3% 147 13.0% 307 8.8% 429 10.1% 116 9.1% 143 11.0% 47 3.9% 190 5.8% 57 6.3% 208 8.5% 127 10.9% 89 9.4% 85 14.2% 523 14.8% 56 6.2% 734 4.9% 108 5.0% 33 4.7% 48 5.1% 22 1.9% 59 4.5% 74 7.9% 133 4.9% 124 5.4% 71 3.7% 62 7.5% 2,236 7.0% 371 6.8% 16 2.4% 24 1.6% 30 4.0% 157 7.9% 226 7.8% 144 8.7% 269 8.3% 208 7.8% 43 5.4% 22 3.6% 175 5.7% 275 10.1% 219 9.3% 57 3.9% 784 9.6% 32 7.2% 73 8.6% 31 9.4% 208 14.2% 57 12.1% 195 7.7% 31 5.8% 123 10.8% 34 8.1% TABLE 3.10A Median Income in Dollars by Selected Households: By Town Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland Total Households $40,542 $40,223 $43,500 $33,484 $38,449 $49,412 $45,450 $49,722 $48,844 $46,161 $39,690 $41,579 $48,837 $41,266 $49,516 $25,208 $42,066 $43,971 $46,359 $48,200 $40,660 $46,797 $41,230 $48,774 $51,197 $32,813 $32,519 $40,665 $46,563 $32,500 $43,155 $43,059 $40,789 $43,229 $44,891 $52,066 $55,097 $53,438 $39,221 $45,709 $48,355 $49,987 $51,081 $45,276 $76,369 $59,240 $53,189 $63,223 $69,341 $88,232 $58,842 $27,123 $67,632 $44,151 $58,746 $55,239 Families $47,771 $45,947 $51,364 $42,460 $43,425 $54,012 $50,234 $56,927 $50,844 $51,058 $49,189 $45,506 $51,750 $46,495 $54,667 $36,563 $50,513 $54,315 $50,607 $53,125 $62,206 $48,828 $46,652 $57,127 $55,382 $38,015 $41,519 $44,677 $50,938 $38,750 $48,333 $49,716 $44,583 $50,136 $55,900 $70,436 $61,481 $58,212 $48,553 $53,964 $57,102 $55,020 $60,803 $55,493 $87,827 $64,606 $60,686 $74,959 $80,606 $102,215 $65,106 $31,257 $73,269 $58,750 $69,629 $63,297 FAMILIES Married couples $52,765 $47,885 $52,632 $52,161 $46,949 $57,552 $54,375 $60,500 $54,808 $55,758 $54,784 $50,368 $55,769 $47,669 $55,408 $39,338 $56,057 $59,073 $56,078 $57,917 $77,091 $52,202 $51,587 $62,935 $60,369 $46,776 $50,888 $51,677 $52,500 $43,333 $50,469 $53,320 $48,125 $53,045 $66,406 $77,900 $66,327 $60,851 $56,371 $58,682 $62,930 $61,083 $65,181 $60,687 $95,389 $69,043 $65,674 $81,401 $85,980 $105,980 $67,366 $48,400 $76,315 $67,117 $75,639 $67,031 106 FHH $25,223 $20,000 $36,667 $21,600 $26,280 $32,250 $33,542 $24,464 $26,563 $33,542 $27,137 $22,500 $32,500 $27,955 $23,625 $22,143 $23,639 $19,904 $25,208 $45,192 $24,545 $27,750 $32,188 $27,143 $28,542 $19,818 $14,872 $21,359 $40,000 $23,125 $13,958 $29,688 $37,500 $24,904 $25,265 $39,757 $36,604 $30,889 $23,661 $35,182 $32,115 $23,984 $36,424 $32,397 $43,250 $41,052 $26,583 $37,669 $37,813 $43,177 $37,500 $17,953 $43,194 $32,128 $41,520 $37,115 Non-FAMILIES FHH 65+ yrs, living alone FHH $19,968 $14,436 $14,338 $12,857 $19,808 $18,571 $16,939 $14,397 $24,792 $14,125 $20,417 $15,114 $24,792 $14,688 $21,750 $11,641 $25,833 $18,269 $20,417 $12,115 $22,813 $14,118 $16,563 $11,346 $25,500 $13,958 $21,167 $17,344 $27,500 $16,250 $15,417 $8,250 $19,634 $15,847 $19,966 $17,128 $20,972 $16,696 $21,429 $15,313 $19,722 $16,435 $26,042 $19,500 $18,684 $16,500 $20,515 $17,981 $18,009 $15,677 $17,596 $14,615 $17,339 $13,423 $21,250 $15,893 $32,917 $14,375 $14,375 $10,000 $17,000 $16,477 $18,000 $13,750 $26,071 $8,750 $20,667 $16,964 $22,796 $16,237 $31,881 $21,992 $25,191 $19,446 $14,087 $12,717 $22,119 $16,691 $20,887 $14,759 $23,585 $17,312 $20,934 $17,500 $25,978 $17,402 $22,500 $14,987 $30,352 $14,219 $27,835 $18,068 $29,667 $21,321 $30,938 $18,627 $30,446 $19,388 $37,037 $28,287 $23,889 $16,731 $18,296 $13,081 $29,500 $25,000 $19,348 $13,622 $25,944 $16,801 $28,534 $19,099 TABLE 3.10A Median Income in Dollars by Selected Households: By Town Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey Total Households $44,579 $53,250 $44,893 $37,197 $57,978 $52,176 $49,863 $31,600 $44,234 $43,138 $41,604 $39,154 $36,813 $47,246 $50,536 $48,007 $52,313 $59,349 $43,347 $37,972 $34,028 $44,545 $40,660 $46,667 $32,604 $49,821 $38,672 $35,206 $34,091 $39,803 $44,157 $37,755 $38,462 $36,098 $41,389 $39,322 $48,640 $48,205 $51,399 $45,542 $41,205 $35,913 $39,528 $64,611 $51,068 $33,516 $34,640 $36,184 $37,500 $33,750 $38,488 $43,618 $31,102 $42,784 $29,337 $39,453 Families $52,698 $60,172 $52,596 $47,388 $65,170 $56,171 $54,769 $41,224 $58,350 $45,917 $46,452 $47,117 $42,566 $53,854 $54,306 $51,705 $56,346 $71,526 $52,206 $42,830 $37,188 $47,411 $42,028 $52,064 $38,523 $50,952 $45,184 $41,696 $40,972 $42,165 $51,495 $46,239 $41,587 $45,175 $47,656 $47,593 $55,218 $52,484 $61,281 $54,076 $46,000 $41,466 $46,286 $67,830 $56,757 $40,265 $40,681 $38,864 $43,988 $36,250 $45,254 $47,763 $38,547 $47,188 $34,453 $40,350 FAMILIES Married couples $58,627 $64,265 $54,405 $56,423 $67,658 $60,549 $59,833 $51,129 $60,640 $51,154 $49,276 $52,176 $48,450 $61,573 $57,717 $53,355 $63,269 $77,220 $58,382 $49,013 $44,808 $49,352 $44,773 $53,504 $42,458 $54,274 $52,888 $47,364 $48,542 $47,109 $57,267 $54,280 $44,837 $51,300 $51,726 $51,343 $61,814 $54,741 $70,097 $57,974 $48,226 $47,188 $51,524 $71,012 $61,367 $48,150 $46,290 $41,528 $47,143 $38,750 $48,811 $51,667 $44,732 $52,670 $43,208 $42,679 107 FHH $27,271 $29,000 $30,500 $30,066 $32,337 $18,750 $26,653 $20,308 $35,417 $32,727 $24,405 $19,519 $21,250 $24,839 $29,265 $44,375 $23,281 $44,167 $36,563 $22,647 $17,120 $34,583 $19,659 $19,338 $24,167 $33,438 $26,467 $21,513 $25,438 $20,893 $25,437 $25,995 $25,417 $22,386 $19,167 $25,909 $23,403 $29,107 $28,333 $26,477 $34,167 $30,313 $22,596 $29,545 $32,569 $18,375 $20,022 $18,500 $23,750 $14,750 $30,139 $22,143 $19,522 $22,639 $16,204 $20,313 Non-FAMILIES FHH 65+ yrs, living alone FHH $21,370 $15,822 $30,500 $13,750 $19,531 $12,679 $17,889 $15,625 $23,534 $21,974 $22,917 $13,063 $27,330 $19,375 $16,949 $13,615 $21,500 $20,563 $20,385 $14,152 $20,150 $17,417 $19,232 $16,397 $20,000 $11,447 $22,206 $16,823 $26,250 $15,000 $18,542 $12,778 $24,167 $19,167 $31,250 $19,120 $24,028 $14,444 $18,558 $14,953 $18,077 $16,688 $18,295 $15,625 $21,761 $10,938 $28,382 $15,000 $17,734 $16,892 $24,688 $16,875 $23,403 $13,664 $19,133 $14,556 $14,840 $14,071 $16,667 $13,214 $18,134 $12,830 $17,500 $13,117 $12,059 $11,771 $14,330 $13,375 $15,882 $13,125 $18,558 $16,458 $27,292 $16,875 $20,086 $13,365 $21,122 $12,629 $17,458 $13,571 $18,631 $13,229 $13,214 $12,273 $16,333 $9,359 $31,319 $18,654 $16,836 $12,148 $13,531 $11,653 $16,675 $13,982 $18,750 $18,750 $21,667 $18,482 $14,792 $13,125 $20,446 $21,071 $17,344 $17,857 $14,835 $13,015 $25,469 $12,917 $15,500 $12,016 $22,500 $16,042 Table 3.12A-1 Median Earnings for Men and Women, 16 Years of Age and Older, in Dollars FULL-TIME, YEAR ROUND Median Earnings Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland $30,009 $28,448 $30,890 $27,919 $28,063 $33,667 $29,417 $33,490 $29,569 $31,640 $30,820 $29,882 $28,422 $30,625 $30,313 $21,406 $31,316 $31,774 $32,189 $36,061 $35,392 $24,456 $31,431 $31,775 $35,346 $28,268 $28,464 $29,760 $28,816 $24,737 $30,718 $30,669 $30,121 $28,036 $35,699 $40,733 $37,422 $35,404 $30,374 $34,433 $36,192 $31,947 $35,665 $36,577 $50,540 $40,029 $37,912 $45,059 $48,913 $60,084 $40,633 $27,304 $43,171 $32,920 $42,503 $35,929 Median Earnings Male $34,430 $32,454 $37,553 $32,091 $32,098 $36,913 $32,113 $38,828 $35,000 $37,244 $36,810 $32,355 $31,074 $32,487 $35,548 $31,250 $36,599 $40,654 $37,287 $40,313 $42,218 $24,353 $35,450 $40,607 $40,800 $31,940 $31,503 $32,483 $32,313 $29,000 $35,938 $36,633 $31,781 $34,048 $41,279 $46,292 $45,156 $41,397 $32,094 $38,815 $41,563 $39,722 $39,636 $41,463 $59,750 $46,145 $42,566 $52,282 $60,587 $70,780 $47,083 $30,521 $48,802 $39,850 $50,263 $41,733 108 Median Earnings Female $23,788 $23,456 $21,020 $23,289 $24,404 $26,571 $24,643 $24,877 $23,278 $24,688 $23,024 $23,403 $25,125 $25,046 $24,375 $12,159 $25,228 $25,559 $28,159 $25,000 $25,969 $26,477 $26,420 $26,316 $30,578 $20,625 $25,500 $22,660 $23,977 $18,846 $23,693 $22,472 $25,982 $20,430 $29,553 $35,171 $29,903 $25,795 $26,953 $29,024 $29,864 $24,698 $30,271 $30,937 $37,309 $30,438 $29,381 $33,365 $36,113 $39,336 $31,202 $25,139 $39,357 $27,103 $33,197 $30,733 Percentage of Female Earnings to Male 69% 72% 56% 73% 76% 72% 77% 64% 67% 66% 63% 72% 81% 77% 69% 39% 69% 63% 76% 62% 62% 109% 75% 65% 75% 65% 81% 70% 74% 65% 66% 61% 82% 60% 72% 76% 66% 62% 84% 75% 72% 62% 76% 75% 62% 66% 69% 64% 60% 56% 66% 82% 81% 68% 66% 74% Table 3.12A-1 Median Earnings for Men and Women, 16 Years of Age and Older, in Dollars FULL-TIME, YEAR ROUND Median Earnings Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey $31,421 $33,684 $34,231 $29,512 $34,401 $33,413 $32,147 $28,025 $30,900 $29,482 $27,385 $29,139 $31,313 $30,630 $30,961 $30,124 $36,515 $43,372 $30,553 $28,818 $29,430 $29,271 $29,754 $30,036 $27,080 $30,738 $30,385 $26,752 $28,333 $26,895 $31,904 $29,077 $29,474 $29,304 $30,833 $27,994 $34,233 $32,830 $37,355 $31,458 $29,268 $27,179 $30,898 $39,348 $36,088 $27,485 $25,962 $26,500 $25,726 $25,403 $26,838 $30,234 $24,203 $27,217 $24,933 $27,292 Median Earnings Male $36,732 $38,182 $38,523 $31,950 $41,302 $43,438 $39,645 $31,315 $39,186 $35,658 $30,575 $32,444 $34,508 $34,792 $36,114 $31,301 $40,909 $51,006 $37,340 $32,450 $31,960 $32,284 $32,188 $34,432 $30,709 $36,959 $32,795 $33,189 $32,087 $32,586 $36,825 $32,602 $32,617 $31,900 $34,205 $31,447 $41,166 $40,086 $41,771 $36,631 $34,028 $31,364 $34,935 $44,552 $39,250 $32,617 $29,671 $29,301 $26,951 $25,795 $31,071 $34,464 $28,475 $31,111 $28,750 $31,625 109 Median Earnings Female $26,139 $27,900 $26,118 $26,538 $28,191 $24,336 $26,097 $23,054 $23,108 $23,682 $23,354 $25,041 $23,333 $26,498 $26,461 $27,146 $29,853 $35,208 $26,410 $22,605 $23,500 $21,193 $23,448 $22,545 $21,917 $24,309 $26,113 $20,881 $21,299 $20,224 $26,470 $24,419 $21,723 $25,789 $25,500 $25,990 $28,924 $24,545 $30,000 $24,083 $22,167 $23,125 $26,296 $32,292 $31,250 $21,898 $21,566 $18,482 $23,250 $24,167 $25,115 $23,676 $20,109 $22,500 $20,583 $24,083 Percentage of Female Earnings to Male 71% 73% 68% 83% 68% 56% 66% 74% 59% 66% 76% 77% 68% 76% 73% 87% 73% 69% 71% 70% 74% 66% 73% 65% 71% 66% 80% 63% 66% 62% 72% 75% 67% 81% 75% 83% 70% 61% 72% 66% 65% 74% 75% 72% 80% 67% 73% 63% 86% 94% 81% 69% 71% 72% 72% 76% Table 3.12A-2 Median Earnings for Men and Women, 16 Years of Age and Older, in Dollars PART-TIME Median Earnings Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland $9,182 $8,963 $10,275 $8,470 $9,800 $11,883 $8,536 $9,691 $9,508 $8,607 $9,281 $8,241 $10,878 $7,425 $9,266 $8,875 $6,670 $8,675 $9,076 $9,719 $3,813 $6,631 $11,097 $8,184 $11,687 $9,985 $8,381 $9,375 $11,250 $7,212 $10,179 $10,244 $9,688 $10,064 $9,650 $13,715 $10,365 $7,789 $9,458 $10,065 $10,206 $9,645 $6,380 $10,954 $14,766 $9,989 $10,500 $10,151 $12,490 $8,798 $10,404 $9,143 $9,232 $6,032 $10,664 $9,641 Median Earnings Male $10,733 $11,413 $11,726 $9,006 $14,605 $12,400 $12,917 $11,324 $11,071 $12,250 $10,223 $9,676 $13,571 $8,611 $8,482 $3,636 $6,975 $9,545 $10,531 $11,750 $3,877 $6,380 $10,450 $7,453 $16,875 $12,353 $9,219 $11,571 $10,625 $11,250 $13,281 $12,917 $12,813 $7,100 $9,752 $15,512 $10,202 $8,622 $9,294 $10,790 $10,905 $8,884 $5,604 $11,561 $12,267 $10,109 $11,103 $10,784 $12,491 $10,728 $9,955 $9,668 $5,278 $6,839 $11,330 $8,103 110 Median Earnings Female $8,443 $7,500 $9,031 $8,193 $7,826 $11,625 $7,344 $9,087 $8,841 $6,917 $8,676 $7,585 $9,818 $7,310 $9,609 $10,938 $6,389 $8,388 $8,339 $8,698 $3,783 $10,958 $11,771 $8,670 $10,816 $8,730 $7,876 $8,168 $11,442 $6,780 $8,092 $9,745 $6,875 $10,448 $9,589 $12,624 $10,440 $7,265 $9,567 $9,728 $9,878 $9,919 $7,233 $10,597 $15,563 $9,903 $10,323 $9,851 $12,490 $7,418 $10,543 $8,774 $11,676 $5,393 $10,444 $10,225 Percentage of Female Earnings to Male 79% 66% 77% 91% 54% 94% 57% 80% 80% 56% 85% 78% 72% 85% 113% 301% 92% 88% 79% 74% 98% 172% 113% 116% 64% 71% 85% 71% 108% 60% 61% 75% 54% 147% 98% 81% 102% 84% 103% 90% 91% 112% 129% 92% 127% 98% 93% 91% 100% 69% 106% 91% 221% 79% 92% 126% Table 3.12A-2 Median Earnings for Men and Women, 16 Years of Age and Older, in Dollars PART-TIME Median Earnings Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey $8,945 $9,799 $11,205 $8,698 $10,432 $10,773 $10,249 $5,210 $8,750 $9,834 $10,557 $9,703 $10,137 $10,027 $9,978 $8,538 $11,344 $10,621 $10,154 $8,310 $8,253 $9,099 $9,201 $9,387 $8,237 $10,294 $7,168 $8,427 $7,338 $8,886 $9,280 $8,797 $7,857 $7,607 $6,656 $8,151 $10,979 $7,894 $10,386 $10,316 $12,604 $7,550 $9,541 $9,805 $8,408 $9,197 $7,089 $9,183 $6,887 $8,229 $4,432 $9,607 $7,641 $10,066 $7,247 $10,189 Median Earnings Male $9,831 $10,682 $14,583 $9,572 $12,663 $11,656 $10,772 $6,115 $8,697 $9,680 $10,469 $11,685 $11,583 $10,827 $10,726 $7,542 $13,194 $12,526 $10,000 $10,085 $9,704 $13,750 $9,202 $12,841 $7,347 $11,781 $10,625 $9,760 $8,772 $21,875 $10,188 $9,922 $8,523 $7,844 $6,862 $7,063 $13,678 $9,375 $10,171 $13,531 $13,523 $10,054 $9,421 $7,981 $9,425 $11,266 $8,544 $9,844 $5,903 $9,821 $5,897 $9,306 $8,829 $11,167 $8,333 $13,472 111 Median Earnings Female $8,360 $9,493 $9,420 $7,977 $9,767 $9,821 $9,953 $4,644 $8,917 $9,955 $10,607 $8,202 $9,625 $9,468 $9,181 $9,393 $9,643 $9,508 $10,227 $7,385 $7,315 $6,563 $9,201 $8,918 $8,611 $7,225 $6,325 $7,727 $6,729 $6,828 $8,761 $7,876 $7,457 $7,418 $6,364 $8,932 $9,547 $6,899 $10,534 $8,730 $12,105 $7,174 $9,580 $10,230 $7,241 $7,480 $6,436 $8,125 $7,393 $7,298 $4,082 $9,712 $7,155 $9,276 $6,776 $7,500 Percentage of Female Earnings to Male 85% 89% 65% 83% 77% 84% 92% 76% 103% 103% 101% 70% 83% 87% 86% 125% 73% 76% 102% 73% 75% 48% 100% 69% 117% 61% 60% 79% 77% 31% 86% 79% 87% 95% 93% 126% 70% 74% 104% 65% 90% 71% 102% 128% 77% 66% 75% 83% 125% 74% 69% 104% 81% 83% 81% 56% Table 3.12A-3 Median Earnings for Men and Women, 16 Years of Age and Older, in Dollars FULL-TIME & PART-TIME TOGETHER Median Earnings Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland $21,641 $20,927 $20,973 $19,478 $20,767 $25,191 $22,179 $23,613 $22,232 $22,250 $23,181 $21,787 $25,294 $21,604 $25,091 $12,454 $18,841 $24,029 $25,160 $24,694 $5,116 $10,034 $25,494 $20,015 $29,201 $18,971 $20,319 $21,933 $24,792 $17,829 $21,496 $22,307 $22,279 $21,415 $25,602 $32,271 $28,659 $27,391 $22,074 $26,845 $27,188 $24,327 $19,689 $28,470 $36,960 $29,060 $27,484 $31,848 $35,196 $35,254 $30,409 $20,220 $32,200 $14,901 $31,564 $27,532 Median Earnings Male $28,327 $28,384 $31,395 $24,562 $26,456 $30,994 $29,777 $32,625 $30,098 $30,368 $30,414 $29,274 $29,263 $27,660 $30,814 $20,972 $24,814 $32,481 $30,838 $35,182 $6,917 $8,867 $30,259 $28,342 $36,623 $27,179 $25,136 $29,745 $29,688 $26,296 $30,042 $30,161 $28,000 $29,141 $32,040 $39,305 $37,438 $37,215 $25,893 $33,069 $35,912 $32,280 $21,396 $35,364 $51,129 $40,334 $36,869 $43,673 $50,129 $55,236 $40,417 $22,326 $39,250 $21,069 $42,380 $31,322 112 Median Earnings Female $15,787 $14,356 $13,843 $15,703 $13,862 $19,779 $15,529 $17,188 $15,787 $15,430 $16,807 $15,154 $19,528 $13,733 $16,806 $11,833 $13,703 $16,800 $20,407 $16,741 $4,565 $19,167 $19,741 $14,304 $19,122 $12,281 $16,500 $16,167 $20,132 $12,344 $16,458 $18,729 $16,397 $15,731 $20,501 $26,766 $21,570 $18,629 $20,189 $21,328 $20,743 $18,759 $17,697 $22,115 $29,095 $20,579 $20,522 $23,398 $25,095 $21,464 $20,591 $17,907 $25,826 $10,964 $23,049 $24,292 Percentage of Female Earnings to Male 56% 51% 44% 64% 52% 64% 52% 53% 52% 51% 55% 52% 67% 50% 55% 56% 55% 52% 66% 48% 66% 216% 65% 50% 52% 45% 66% 54% 68% 47% 55% 62% 59% 54% 64% 68% 58% 50% 78% 64% 58% 58% 83% 63% 57% 51% 56% 54% 50% 39% 51% 80% 66% 52% 54% 78% Table 3.12A-3 Median Earnings for Men and Women, 16 Years of Age and Older, in Dollars FULL-TIME & PART-TIME TOGETHER Median Earnings Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey $23,554 $26,970 $25,764 $21,902 $27,002 $25,610 $24,657 $13,799 $24,779 $22,523 $21,720 $23,465 $23,500 $24,702 $24,646 $25,048 $26,903 $32,599 $24,666 $20,269 $18,354 $21,474 $21,390 $24,258 $21,045 $25,227 $17,327 $18,995 $19,340 $20,698 $24,259 $22,353 $20,931 $22,603 $21,395 $21,899 $26,703 $22,263 $28,241 $23,874 $23,486 $21,294 $22,695 $30,971 $27,131 $19,697 $17,457 $18,424 $20,951 $16,780 $13,325 $22,114 $17,331 $21,559 $15,516 $19,306 Median Earnings Male $30,037 $36,300 $31,902 $25,772 $35,337 $35,523 $33,049 $18,881 $30,402 $28,656 $25,772 $28,588 $31,042 $29,940 $30,066 $28,218 $35,028 $44,809 $29,964 $26,832 $20,734 $28,426 $26,161 $31,240 $26,538 $32,545 $29,073 $26,373 $27,023 $30,733 $30,652 $27,557 $25,435 $28,500 $26,439 $25,807 $32,320 $32,771 $36,356 $32,033 $30,699 $26,875 $27,904 $39,060 $31,966 $23,729 $22,528 $25,078 $23,459 $21,875 $21,422 $26,991 $21,517 $27,095 $19,362 $24,500 113 Median Earnings Female $18,208 $19,570 $20,449 $17,926 $19,529 $19,603 $19,682 $11,045 $19,383 $20,107 $18,904 $18,805 $15,625 $19,966 $19,929 $20,047 $20,259 $21,568 $19,500 $15,034 $16,217 $14,318 $16,164 $18,026 $15,653 $19,726 $11,257 $15,254 $13,859 $11,480 $18,903 $17,073 $17,234 $17,176 $18,250 $19,267 $20,305 $17,425 $21,276 $17,336 $19,342 $17,667 $19,491 $23,929 $21,366 $14,504 $13,013 $15,074 $17,977 $11,652 $9,049 $16,250 $12,574 $14,612 $12,791 $14,102 Percentage of Female Earnings to Male 61% 54% 64% 70% 55% 55% 60% 58% 64% 70% 73% 66% 50% 67% 66% 71% 58% 48% 65% 56% 78% 50% 62% 58% 59% 61% 39% 58% 51% 37% 62% 62% 68% 60% 69% 75% 63% 53% 59% 54% 63% 66% 70% 61% 67% 61% 58% 60% 77% 53% 42% 60% 58% 54% 66% 58% TABLE 3.15 A Numbers and Percentages of Females in Poverty by Age: By Town Total Female Population In poverty Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland 2,631 72 105 1,124 343 73 45 76 65 71 232 152 50 134 57 32 3,459 246 133 78 1,149 74 93 106 203 355 479 174 9 64 87 121 60 28 44,654 1,220 641 163 362 986 2,746 280 1,476 1,808 175 258 344 771 769 478 137 30,184 13 844 858 141 % of # of Females % of # of Females % of # of Females % of Females in < 18 in Females < 18-64 in Females 1865+ Females 65+ poverty of poverty 18 in poverty 64 in in poverty in poverty all in poverty poverty poverty 58.5% 55.4% 61.8% 60.5% 60.6% 55.7% 50.0% 61.8% 67.0% 44.9% 54.0% 61.3% 37.9% 61.5% 64.0% 58.2% 57.5% 55.7% 58.6% 65.5% 60.1% 58.7% 49.7% 57.9% 52.9% 62.6% 54.7% 63.7% 18.0% 53.8% 52.7% 53.8% 56.1% 50.0% 56.3% 58.7% 65.8% 56.6% 58.5% 61.0% 61.0% 49.6% 48.5% 64.7% 69.7% 51.8% 56.4% 61.2% 57.6% 65.7% 65.9% 55.2% 76.5% 54.8% 57.8% 77.5% 727 17 45 321 98 20 13 25 10 28 43 34 9 47 9 8 721 60 44 26 103 31 21 21 68 82 103 63 0 17 30 41 11 0 14,570 239 199 46 72 165 824 73 321 376 61 56 137 193 173 104 11 11,206 0 71 182 61 114 27.6% 23.6% 42.9% 28.6% 28.6% 27.4% 28.9% 32.9% 15.4% 39.4% 18.5% 22.4% 18.0% 35.1% 15.8% 25.0% 20.8% 24.4% 33.1% 33.3% 9.0% 41.9% 22.6% 19.8% 33.5% 23.1% 21.5% 36.2% 0.0% 26.6% 34.5% 33.9% 18.3% 0.0% 32.6% 19.6% 31.0% 28.2% 19.9% 16.7% 30.0% 26.1% 21.7% 20.8% 34.9% 21.7% 39.8% 25.0% 22.5% 21.8% 8.0% 37.1% 0.0% 8.4% 21.2% 43.3% 1,534 43 48 689 188 34 28 42 44 35 122 100 37 73 36 15 2,463 169 85 44 1,034 41 68 65 124 221 284 100 9 42 53 62 42 20 25,136 695 382 85 250 578 1,299 197 1,046 781 72 174 158 389 486 155 84 17,011 13 711 502 68 58.3% 59.7% 45.7% 61.3% 54.8% 46.6% 62.2% 55.3% 67.7% 49.3% 52.6% 65.8% 74.0% 54.5% 63.2% 46.9% 71.2% 68.7% 63.9% 56.4% 90.0% 55.4% 73.1% 61.3% 61.1% 62.3% 59.3% 57.5% 100.0% 65.6% 60.9% 51.2% 70.0% 71.4% 56.3% 57.0% 59.6% 52.1% 69.1% 58.6% 47.3% 70.4% 70.9% 43.2% 41.1% 67.4% 45.9% 50.5% 63.2% 32.4% 61.3% 56.4% 100.0% 84.2% 58.5% 48.2% 370 12 12 114 57 19 4 9 11 8 67 18 4 14 12 9 275 17 4 8 12 2 4 20 11 52 92 11 0 5 4 18 7 8 4,948 286 60 32 40 243 623 10 109 651 42 28 49 189 110 219 42 1,967 0 62 174 12 14.1% 16.7% 11.4% 10.1% 16.6% 26.0% 8.9% 11.8% 16.9% 11.3% 28.9% 11.8% 8.0% 10.4% 21.1% 28.1% 8.0% 6.9% 3.0% 10.3% 1.0% 2.7% 4.3% 18.9% 5.4% 14.6% 19.2% 6.3% 0.0% 7.8% 4.6% 14.9% 11.7% 28.6% 11.1% 23.4% 9.4% 19.6% 11.0% 24.6% 22.7% 3.6% 7.4% 36.0% 24.0% 10.9% 14.2% 24.5% 14.3% 45.8% 30.7% 6.5% 0.0% 7.3% 20.3% 8.5% TABLE 3.15 A Numbers and Percentages of Females in Poverty by Age: By Town Total Female Population In poverty 4,168 Ontario Bristol 63 Canadice 63 Canandaigua city 630 Canandaigua 264 East Bloomfield 70 Farmington 304 Geneva city 1,207 Geneva 74 Gorham 124 Hopewell 160 Manchester 410 Naples 172 Phelps 197 Richmond 48 Seneca 67 South Bristol 74 Victor 192 West Bloomfield 49 2,518 Orleans Albion 521 Barre 73 Carlton 128 Clarendon 215 Gaines 240 Kendall 78 Murray 185 Ridgeway 527 Shelby 444 Yates 107 4,527 Wayne Arcadia 1,022 Butler 120 Galen 236 Huron 180 Lyons 260 Macedon 358 Marion 123 Ontario 331 Palmyra 299 Rose town 69 Savannah 167 Sodus 624 Walworth 119 Williamson 168 Wolcott 451 1,800 Yates Barrington 120 Benton 175 Italy 70 Jerusalem 222 Middlesex 64 Milo 588 Potter 110 Starkey 373 Torrey 78 % of # of Females % of # of Females % of # of Females % of Females in < 18 in Females < 18-64 in Females 1865+ Females 65+ poverty poverty 18 in poverty 64 in in poverty in poverty poverty poverty 58.7% 1,187 28.5% 2,397 57.5% 584 14.0% 47.7% 13 20.6% 42 66.7% 8 12.7% 53.8% 11 17.5% 44 69.8% 8 12.7% 61.8% 150 23.8% 341 54.1% 139 22.1% 65.7% 29 11.0% 165 62.5% 70 26.5% 51.1% 16 22.9% 34 48.6% 20 28.6% 51.5% 92 30.3% 190 62.5% 22 7.2% 58.3% 441 36.5% 661 54.8% 105 8.7% 66.7% 17 23.0% 57 77.0% 0 0.0% 47.1% 23 18.5% 85 68.5% 16 12.9% 65.0% 57 35.6% 85 53.1% 18 11.3% 53.5% 117 28.5% 269 65.6% 24 5.9% 68.3% 62 36.0% 75 43.6% 35 20.3% 65.7% 54 27.4% 111 56.3% 32 16.2% 48.0% 22 45.8% 18 37.5% 8 16.7% 71.3% 7 10.4% 37 55.2% 23 34.3% 57.4% 15 20.3% 56 75.7% 3 4.1% 65.1% 61 31.8% 91 47.4% 40 20.8% 61.3% 0 0.0% 36 73.5% 13 26.5% 57.5% 887 35.2% 1,466 58.2% 165 6.6% 58.3% 149 28.6% 330 63.3% 42 8.1% 54.9% 18 24.7% 48 65.8% 7 9.6% 42.5% 37 28.9% 83 64.8% 8 6.3% 79.3% 70 32.6% 138 64.2% 7 3.3% 61.5% 112 46.7% 103 42.9% 25 10.4% 54.5% 26 33.3% 52 66.7% 0 0.0% 55.1% 77 41.6% 88 47.6% 20 10.8% 53.4% 198 37.6% 305 57.9% 24 4.6% 61.8% 159 35.8% 264 59.5% 21 4.7% 51.9% 41 38.3% 55 51.4% 11 10.3% 57.1% 1,389 30.7% 2,434 53.8% 704 15.6% 54.0% 382 37.4% 509 49.8% 131 12.8% 62.5% 40 33.3% 60 50.0% 20 16.7% 54.0% 46 19.5% 158 66.9% 32 13.6% 67.7% 54 30.0% 63 35.0% 63 35.0% 50.6% 61 23.5% 146 56.2% 53 20.4% 60.9% 132 36.9% 208 58.1% 18 5.0% 46.2% 37 30.1% 76 61.8% 10 8.1% 61.8% 91 27.5% 185 55.9% 55 16.6% 61.5% 61 20.4% 181 60.5% 57 19.1% 49.6% 20 29.0% 33 47.8% 16 23.2% 53.7% 70 41.9% 79 47.3% 18 10.8% 58.4% 210 33.7% 318 51.0% 96 15.4% 65.4% 19 16.0% 68 57.1% 32 26.9% 53.2% 16 9.5% 103 61.3% 49 29.2% 61.5% 150 33.3% 247 54.8% 54 12.0% 58.6% 674 37.4% 941 52.3% 185 10.3% 51.3% 58 48.3% 55 45.8% 7 5.8% 54.2% 103 58.9% 63 36.0% 9 5.1% 50.7% 22 31.4% 47 67.1% 1 1.4% 60.2% 77 34.7% 122 55.0% 23 10.4% 71.9% 17 26.6% 33 51.6% 14 21.9% 63.2% 149 25.3% 344 58.5% 95 16.2% 62.5% 48 43.6% 58 52.7% 4 3.6% 56.9% 158 42.4% 185 49.6% 30 8.0% 50.0% 42 53.8% 34 43.6% 2 2.6% 115 TABLE 3.16 A Numbers and Percentages of Children in Poverty by Age: By Town Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland # of preschoolers children (< 5 yrs) 507 5 16 269 59 8 13 21 5 13 26 25 18 29 0 0 610 45 45 7 77 11 28 11 66 85 120 35 0 10 26 34 10 0 9,865 152 67 14 43 107 436 39 179 240 8 39 58 135 60 54 15 7,993 4 58 147 17 % of preschoolers children (< 5 yrs) 11.3% 3.6% 7.6% 22.7% 14.2% 3.0% 11.6% 9.9% 2.2% 6.3% 5.7% 9.7% 10.3% 7.4% 0.0% 0.0% 15.1% 10.1% 13.0% 5.7% 22.4% 12.6% 14.6% 4.6% 11.0% 28.9% 33.7% 12.4% 0.0% 13.9% 22.6% 19.1% 9.1% 0.0% 17.7% 6.8% 3.4% 2.8% 8.5% 5.8% 6.8% 4.9% 7.7% 7.4% 1.2% 3.0% 5.0% 5.4% 1.7% 2.7% 3.3% 39.9% 1.9% 9.3% 5.1% 4.5% # of schoolaged children (6-11 yrs) 490 24 29 178 52 10 15 17 10 31 22 40 37 13 4 8 422 49 17 11 19 25 16 13 52 46 101 29 5 14 18 0 7 0 11,437 133 129 31 81 76 574 106 180 285 50 54 81 101 205 42 9 9,043 0 81 138 38 % of schoolaged children (6-11 yrs) 9.5% 11.1% 11.9% 14.2% 10.4% 3.3% 10.2% 6.4% 3.4% 13.7% 3.9% 13.3% 15.8% 3.4% 2.1% 27.6% 8.5% 8.2% 4.3% 5.6% 4.9% 17.2% 9.0% 3.7% 7.0% 16.8% 18.4% 12.7% 6.5% 19.7% 12.2% 0.0% 7.5% 0.0% 17.1% 5.1% 5.2% 4.6% 15.0% 3.5% 6.9% 10.7% 6.8% 7.1% 5.5% 3.0% 5.7% 3.2% 4.6% 1.7% 1.7% 39.6% 0.0% 8.6% 3.9% 8.1% 116 # of teenagers % of teenagers # of children children all children (12-17 yrs) (12-17 yrs) (0-17 yrs) 443 7.7% 1,440 12 4.7% 41 36 12.5% 81 171 13.3% 618 48 9.3% 159 9 3.1% 27 9 5.0% 37 13 5.8% 51 5 1.6% 20 29 13.1% 73 54 6.4% 102 15 4.3% 80 4 1.5% 59 20 4.2% 62 10 4.8% 14 8 21.6% 16 473 8.2% 1,505 49 7.1% 143 39 7.4% 101 24 8.5% 42 54 14.8% 150 19 12.7% 55 2 0.9% 46 18 4.0% 42 29 3.7% 147 73 14.9% 204 17 3.5% 238 42 12.4% 106 15 19.0% 20 14 15.6% 38 25 17.2% 69 40 17.1% 74 13 11.8% 30 0 0.0% 0 8,075 12.9% 29,377 60 2.8% 345 85 3.5% 281 41 6.9% 86 55 10.4% 179 211 8.5% 394 600 7.0% 1,610 55 5.1% 200 186 6.5% 545 220 5.6% 745 20 2.4% 78 34 1.7% 127 102 6.7% 241 123 3.9% 359 119 2.8% 384 103 4.2% 199 13 2.3% 37 5,891 33.4% 22,927 0 0.0% 4 51 4.6% 190 69 2.0% 354 37 7.5% 92 % of all children (0-17 yrs) 9.3% 6.7% 10.9% 16.6% 11.1% 3.1% 8.4% 7.3% 2.4% 11.2% 5.4% 8.8% 8.6% 5.0% 2.3% 16.5% 10.2% 8.3% 8.0% 7.0% 13.6% 14.4% 7.7% 4.0% 6.9% 19.3% 17.1% 12.5% 10.0% 16.3% 17.0% 11.7% 9.6% 0.0% 15.9% 4.9% 4.0% 4.9% 11.4% 6.1% 6.9% 7.0% 7.0% 6.7% 3.3% 2.5% 5.9% 4.0% 3.1% 2.9% 2.4% 37.9% 0.5% 7.1% 3.6% 6.9% TABLE 3.16 A Numbers and Percentages of Children in Poverty by Age: By Town Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey # of preschoolers children (< 5 yrs) 887 11 8 95 13 6 72 409 0 30 22 102 30 32 15 0 8 34 0 578 142 12 21 29 68 24 29 156 73 24 1,030 285 15 43 23 34 134 12 70 97 9 40 138 7 26 97 493 55 82 11 18 7 127 31 130 32 % of preschoolers children (< 5 yrs) 11.7% 5.5% 8.2% 11.4% 2.4% 2.1% 7.8% 36.4% 0.0% 10.6% 10.6% 14.8% 18.2% 6.8% 6.5% 0.0% 8.1% 3.9% 0.0% 17.3% 22.6% 7.5% 11.4% 8.2% 25.3% 12.6% 7.4% 26.3% 17.9% 14.6% 14.1% 25.3% 11.0% 12.5% 18.5% 9.1% 16.4% 3.5% 9.3% 17.4% 5.1% 23.8% 21.6% 0.8% 5.9% 26.2% 25.6% 37.4% 36.4% 13.9% 7.9% 9.6% 25.2% 14.5% 35.8% 34.8% # of schoolaged children (6-11 yrs) 910 25 14 71 27 18 114 309 13 17 28 145 34 42 18 0 13 22 0 691 127 12 69 73 79 23 55 144 83 26 994 266 21 61 57 48 93 38 42 25 5 40 144 19 34 101 466 42 66 24 70 11 98 31 102 22 % of schoolaged children (6-11 yrs) 10.2% 10.1% 9.2% 8.5% 4.1% 6.3% 10.6% 27.9% 5.3% 5.3% 9.0% 18.4% 14.6% 5.8% 6.3% 0.0% 10.9% 2.2% 0.0% 17.7% 21.1% 5.4% 24.0% 20.3% 23.7% 8.6% 11.2% 23.6% 17.5% 10.1% 11.3% 21.3% 11.2% 13.2% 30.0% 9.9% 10.4% 7.3% 4.5% 4.0% 2.0% 19.3% 16.7% 2.2% 5.3% 24.9% 22.3% 29.8% 28.4% 25.8% 21.0% 8.3% 19.8% 14.4% 29.7% 21.8% 117 # of teenagers % of teenagers children children (12-17 yrs) (12-17 yrs) 620 7.2% 14 6.5% 11 8.0% 96 11.2% 38 5.4% 0 0.0% 26 2.5% 153 15.8% 29 9.6% 44 11.5% 24 9.0% 52 6.7% 20 9.8% 20 3.1% 20 5.3% 15 7.1% 15 10.9% 39 4.7% 4 2.1% 548 13.4% 37 6.6% 18 10.1% 42 15.3% 0 0.0% 75 16.8% 8 2.1% 65 12.9% 114 15.9% 138 26.1% 51 19.3% 811 8.9% 222 14.8% 36 17.3% 39 9.5% 4 2.6% 57 12.2% 43 5.8% 41 7.0% 28 2.8% 31 4.2% 33 11.7% 40 27.8% 114 14.3% 32 3.7% 13 1.7% 78 17.5% 410 18.2% 28 17.7% 39 13.7% 19 17.0% 65 21.4% 6 4.9% 109 18.6% 27 12.8% 82 27.2% 35 20.2% total # of children 2,417 50 33 262 78 24 212 871 42 91 74 299 84 94 53 15 36 95 4 1,817 306 42 132 102 222 55 149 414 294 101 2,835 773 72 143 84 139 270 91 140 153 47 120 396 58 73 276 1,369 125 187 54 153 24 334 89 314 89 % of children 9.6% 7.5% 8.5% 10.4% 4.1% 2.7% 7.0% 27.2% 5.7% 9.2% 9.4% 13.2% 14.0% 5.1% 5.9% 2.2% 10.1% 3.5% 0.7% 16.1% 17.1% 7.5% 17.7% 10.8% 21.1% 6.6% 10.8% 21.6% 20.9% 14.7% 11.3% 20.0% 13.5% 11.8% 17.9% 10.5% 11.0% 6.3% 5.2% 8.0% 6.6% 23.1% 17.2% 2.2% 4.0% 22.6% 21.9% 28.0% 25.2% 19.0% 17.7% 7.3% 21.1% 13.9% 31.1% 24.3% TABLE 3.19 A Percentages of Households At or Below the Federal Poverty Threshold Families Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland Non-Families % of Total % of Married Couples % of FHH % of MHH % of FHH % of MHH 7.8% 6.8% 6.6% 11.7% 10.2% 5.0% 4.4% 4.7% 4.3% 5.5% 6.1% 7.8% 4.3% 4.1% 5.1% 16.9% 9.8% 6.1% 4.5% 5.0% 24.5% 7.6% 6.3% 6.6% 5.8% 13.7% 16.5% 8.7% 5.5% 13.3% 9.0% 8.5% 7.3% 1.2% 10.8% 6.3% 3.5% 4.8% 8.9% 6.3% 5.4% 6.5% 8.6% 5.8% 3.1% 3.0% 3.8% 3.2% 3.3% 2.4% 5.0% 23.5% 0.6% 12.0% 4.5% 3.0% 2.8% 2.6% 2.5% 2.9% 6.7% 0.9% 1.0% 2.9% 0.7% 2.3% 2.3% 1.9% 3.7% 1.9% 2.3% 4.3% 2.4% 3.9% 0.8% 1.6% 4.1% 3.3% 2.3% 0.0% 1.2% 3.2% 2.9% 1.5% 2.5% 6.9% 5.0% 2.3% 1.6% 1.4% 2.6% 1.5% 1.2% 0.7% 1.6% 2.5% 1.9% 2.5% 1.2% 1.7% 2.4% 1.1% 1.2% 1.6% 0.9% 0.6% 1.5% 8.2% 0.0% 2.1% 1.5% 0.0% 20.0% 20.0% 21.2% 28.3% 14.7% 4.9% 11.3% 12.5% 24.4% 23.9% 8.8% 31.4% 0.0% 5.4% 0.0% 23.5% 23.2% 25.7% 22.8% 33.3% 22.3% 19.6% 18.8% 27.2% 10.1% 31.6% 37.3% 20.2% 0.0% 17.6% 41.9% 12.5% 28.6% 0.0% 27.3% 12.4% 9.8% 20.4% 18.8% 15.0% 12.8% 15.3% 13.5% 14.3% 0.0% 7.2% 11.1% 8.9% 8.0% 10.5% 17.2% 39.8% 10.4% 14.3% 8.4% 17.0% 11.7% 20.0% 19.4% 19.4% 0.0% 6.9% 21.4% 0.0% 0.0% 24.4% 10.7% 0.0% 12.2% 7.9% 19.4% #DIV/0! 11.1% 0.0% 7.7% 0.0% 82.8% 36.0% 9.4% 7.6% 2.8% 5.2% 17.3% 13.6% 50.0% 12.9% 15.0% 19.2% 15.8% 0.0% 13.7% 4.1% 0.0% 11.5% 4.5% 3.4% 5.2% 12.5% 9.7% 7.9% 0.0% 9.6% 2.5% 4.7% 4.9% 12.0% 0.0% 25.3% 0.0% 6.7% 8.3% 0.0% 15.4% 15.7% 14.5% 15.1% 18.1% 17.4% 12.2% 16.3% 23.1% 4.4% 14.1% 17.9% 14.9% 12.4% 23.3% 21.9% 20.9% 4.4% 6.5% 12.7% 44.7% 14.5% 9.0% 10.1% 16.7% 24.1% 24.4% 20.1% 12.0% 33.3% 21.2% 20.8% 20.5% 2.9% 16.1% 9.3% 6.8% 15.0% 16.3% 11.6% 11.7% 15.9% 17.6% 12.0% 8.0% 8.3% 8.8% 6.4% 8.9% 7.0% 13.4% 24.6% 0.0% 28.1% 10.8% 5.7% 9.2% 9.7% 7.3% 12.2% 16.0% 12.2% 6.7% 0.0% 6.6% 4.0% 5.0% 13.2% 0.0% 3.8% 4.5% 26.1% 16.9% 8.4% 7.9% 4.2% 39.0% 1.2% 14.6% 22.6% 13.2% 10.9% 30.3% 16.7% 15.6% 20.0% 7.2% 17.0% 1.6% 0.0% 15.1% 11.5% 10.0% 6.8% 7.0% 8.9% 6.2% 8.2% 21.3% 4.4% 3.1% 4.1% 9.0% 4.7% 5.6% 3.3% 6.6% 22.7% 0.0% 19.3% 8.2% 4.4% 118 TABLE 3.19 A Percentages of Households At or Below the Federal Poverty Threshold Families Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey Non-Families % of Total % of Married Couples % of FHH % of MHH % of FHH % of MHH 7.4% 4.8% 7.7% 10.1% 7.2% 5.9% 5.3% 15.6% 2.8% 4.4% 7.3% 7.7% 10.9% 4.4% 3.0% 3.6% 5.6% 3.6% 3.8% 9.1% 13.8% 5.3% 7.9% 5.2% 7.7% 4.8% 6.0% 13.2% 9.6% 6.8% 8.5% 10.8% 11.2% 10.5% 10.8% 9.2% 6.0% 5.1% 5.8% 7.1% 6.0% 14.1% 12.3% 2.6% 6.1% 16.0% 10.7% 10.3% 8.2% 10.6% 8.1% 6.0% 13.6% 8.6% 13.3% 7.6% 2.1% 1.0% 1.8% 2.0% 1.3% 0.0% 2.4% 5.8% 0.8% 3.7% 1.1% 2.3% 5.9% 1.3% 1.0% 2.4% 4.0% 0.7% 0.9% 3.3% 5.6% 3.5% 5.7% 0.0% 3.9% 2.7% 0.5% 4.7% 2.7% 2.6% 2.8% 3.4% 3.9% 3.9% 6.0% 2.1% 2.1% 2.5% 1.2% 2.3% 2.3% 9.3% 5.2% 0.5% 1.7% 6.1% 4.8% 11.0% 6.5% 6.7% 1.5% 1.0% 4.8% 4.0% 5.9% 6.0% 19.4% 31.8% 16.7% 15.4% 13.4% 7.4% 11.9% 34.8% 11.4% 8.0% 18.9% 29.9% 27.6% 12.0% 10.4% 0.0% 4.4% 19.2% 12.0% 26.9% 34.3% 13.5% 27.4% 22.8% 23.7% 16.1% 21.1% 28.5% 30.5% 26.2% 20.7% 23.0% 18.1% 24.8% 21.9% 17.5% 28.6% 5.7% 12.1% 23.9% 13.6% 12.3% 23.9% 10.3% 12.4% 42.5% 31.8% 21.4% 17.6% 26.3% 36.9% 16.7% 34.3% 34.3% 36.9% 25.7% 7.4% 16.7% 9.5% 18.6% 0.0% 15.5% 0.0% 18.2% 0.0% 0.0% 0.0% 3.9% 0.0% 5.2% 0.0% 0.0% 13.8% 3.1% 0.0% 11.4% 15.8% 5.6% 7.8% 0.0% 0.0% 24.3% 7.9% 21.4% 13.6% 4.2% 11.9% 20.8% 10.2% 0.0% 8.6% 14.7% 11.6% 10.7% 4.1% 7.1% 11.1% 32.7% 15.8% 0.0% 0.0% 20.9% 11.3% 0.0% 0.0% 0.0% 28.2% 6.7% 3.2% 16.7% 30.9% 0.0% 15.3% 7.8% 20.7% 19.8% 30.4% 15.6% 7.6% 21.8% 5.9% 5.6% 22.6% 11.1% 18.5% 13.2% 5.2% 18.6% 13.5% 6.0% 10.0% 13.0% 12.9% 11.6% 8.6% 14.0% 9.7% 0.0% 12.3% 18.9% 13.4% 8.9% 18.2% 13.8% 34.4% 23.8% 30.0% 15.6% 8.3% 9.5% 16.4% 15.7% 11.4% 25.0% 30.6% 20.3% 18.6% 28.9% 20.0% 7.5% 13.9% 29.5% 21.4% 13.1% 25.0% 17.0% 12.2% 6.1% 9.9% 4.2% 12.3% 10.0% 12.7% 20.9% 12.6% 13.5% 2.6% 4.6% 12.0% 10.4% 10.9% 0.4% 7.3% 0.0% 4.7% 9.9% 7.9% 11.7% 18.5% 6.0% 7.5% 10.3% 4.2% 4.5% 8.6% 20.5% 8.5% 11.3% 11.1% 16.7% 15.5% 18.3% 11.0% 14.7% 2.5% 13.1% 10.9% 7.2% 8.8% 12.3% 10.9% 0.0% 14.1% 11.3% 9.1% 3.8% 7.0% 10.8% 2.0% 13.5% 13.0% 2.8% 13.0% 9.3% 119 Table 3.20 A Percentages of Families With and Without Children Under the Age of 18 At or Below the Federal Poverty Threshold Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland Families living WITH children < 18 % of Married Couples % of FHH % of MHH 3.7% 27.4% 16.5% 3.0% 30.8% 25.9% 5.0% 39.3% 19.4% 3.3% 40.8% 29.5% 10.3% 20.8% 0.0% 1.8% 6.3% 10.8% 2.1% 20.7% 35.3% 4.6% 17.8% 0.0% 1.3% 21.1% 0.0% 1.5% 40.0% 33.3% 3.2% 12.6% 16.7% 3.0% 32.8% 0.0% 4.3% 0.0% 17.2% 3.7% 5.6% 13.7% 1.2% 0.0% 29.2% 0.0% 30.0% 0.0% 2.8% 30.4% 11.9% 3.0% 30.2% 0.0% 1.6% 26.7% 9.6% 1.5% 48.5% 0.0% 6.4% 25.8% 0.0% 5.0% 27.0% 40.9% 4.4% 22.4% 0.0% 0.0% 42.0% 19.2% 2.2% 15.7% 4.2% 3.3% 53.2% 7.3% 2.6% 42.4% 35.1% 3.1% 25.7% 20.0% 2.1% 0.0% 0.0% 10.1% 22.2% 14.3% 4.7% 50.0% 27.3% 3.7% 17.4% 20.3% 3.0% 26.3% 14.8% 0.0% 0.0% 0.0% 3.6% 35.6% 17.9% 2.2% 19.2% 0.0% 1.6% 14.9% 0.0% 0.0% 27.3% 12.5% 3.6% 27.2% 0.0% 2.3% 22.7% 3.2% 2.6% 17.6% 8.8% 3.7% 22.8% 9.3% 1.6% 22.7% 13.9% 1.5% 21.7% 17.7% 2.2% 0.0% 0.0% 0.9% 7.4% 16.9% 2.4% 15.2% 4.0% 2.0% 15.3% 7.3% 0.8% 12.7% 8.9% 0.5% 15.1% 17.6% 0.0% 22.2% 0.0% 12.2% 47.1% 31.4% 0.0% 21.1% 0.0% 2.4% 16.3% 0.0% 1.8% 9.7% 14.3% 0.0% 28.7% 0.0% 120 Families living WITHOUT children < 18 % of Married Couples % of FHH % of MHH 1.8% 5.4% 2.5% 2.1% 11.8% 0.0% 0.0% 0.0% 0.0% 2.6% 5.3% 7.1% 3.9% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 1.3% 0.0% 0.0% 0.0% 26.9% 0.0% 3.1% 0.0% 0.0% 1.6% 0.0% 0.0% 0.6% 28.6% 0.0% 3.2% 0.0% 0.0% 0.2% 0.0% 0.0% 3.1% 0.0% 0.0% 7.4% 14.3% 0.0% 2.0% 3.9% 9.5% 4.5% 0.0% 0.0% 0.0% 0.0% 0.0% 1.8% 0.0% 0.0% 2.1% 11.8% 100.0% 1.9% 0.0% 0.0% 0.7% 10.0% 38.5% 0.0% 9.5% 0.0% 0.3% 0.0% 0.0% 3.2% 0.0% 0.0% 3.2% 0.0% 0.0% 0.0% 0.0% 0.0% 2.9% 0.0% 100.0% 3.5% 12.5% 0.0% 5.2% 22.2% 0.0% 1.3% 0.0% 0.0% 0.0% 30.4% 18.2% 2.9% 0.0% 0.0% 1.7% 7.0% 7.4% 1.0% 3.1% 11.8% 0.8% 0.0% 0.0% 1.7% 0.0% 0.0% 0.0% 0.0% 8.8% 2.6% 6.0% 3.8% 1.2% 4.5% 0.0% 0.9% 0.0% 25.8% 0.9% 2.0% 6.5% 1.8% 4.9% 0.0% 2.6% 0.0% 0.0% 1.3% 6.8% 0.0% 0.0% 0.0% 0.0% 1.1% 0.0% 0.0% 1.0% 1.3% 0.0% 0.6% 0.0% 0.0% 3.0% 10.3% 0.0% 4.1% 12.3% 15.3% 0.0% 0.0% 0.0% 1.7% 10.5% 14.3% 1.2% 5.8% 0.0% 0.0% 0.0% 0.0% Table 3.20 A Percentages of Families With and Without Children Under the Age of 18 At or Below the Federal Poverty Threshold Families living WITH children < 18 % of Married Couples % of FHH 2.8% 26.1% Ontario Bristol 1.4% 36.2% Canadice 0.0% 29.0% Canandaigua city 2.0% 22.1% Canandaigua 1.0% 21.8% East Bloomfield 0.0% 9.9% Farmington 2.8% 15.8% Geneva city 10.0% 44.1% Geneva 1.8% 19.2% Gorham 8.3% 12.8% Hopewell 2.3% 19.0% Manchester 2.3% 37.9% Naples 7.5% 32.5% Phelps 0.7% 18.1% Richmond 2.2% 16.9% Seneca 2.1% 0.0% South Bristol 6.0% 6.3% Victor 1.1% 22.5% West Bloomfield 0.0% 6.5% 4.7% 36.9% Orleans Albion 6.5% 42.0% Barre 4.7% 35.0% Carlton 8.0% 41.7% Clarendon 0.0% 35.9% Gaines 5.8% 35.3% Kendall 3.3% 19.7% Murray 1.1% 28.1% Ridgeway 7.3% 40.5% Shelby 4.7% 39.0% Yates 3.5% 39.3% 3.2% 28.2% Wayne Arcadia 2.9% 32.4% Butler 4.9% 25.9% Galen 4.4% 36.4% Huron 9.1% 31.8% Lyons 0.0% 24.1% Macedon 2.3% 34.8% Marion 4.0% 8.0% Ontario 0.7% 16.1% Palmyra 1.9% 32.7% Rose town 2.8% 18.5% Savannah 13.2% 16.4% Sodus 8.1% 32.9% Walworth 0.8% 13.3% Williamson 0.8% 25.6% Wolcott 10.4% 46.3% 7.9% 42.4% Yates Barrington 15.4% 38.5% Benton 11.5% 22.6% Italy 13.9% 41.7% Jerusalem 2.1% 43.7% Middlesex 0.0% 28.6% Milo 6.2% 47.9% Potter 6.7% 38.3% Starkey 11.7% 46.7% Torrey 10.4% 40.9% % of MHH 9.7% 18.5% 13.3% 17.2% 0.0% 27.5% 0.0% 27.1% 0.0% 0.0% 0.0% 4.5% 0.0% 7.7% 0.0% 0.0% 0.0% 0.0% 0.0% 14.8% 18.8% 11.1% 12.1% 0.0% 0.0% 9.7% 9.4% 30.9% 24.5% 5.3% 15.8% 25.3% 16.1% 0.0% 17.6% 18.6% 16.7% 17.1% 5.7% 0.0% 12.5% 42.5% 20.5% 0.0% 0.0% 20.5% 15.4% 0.0% 0.0% 0.0% 47.8% 10.0% 3.9% 25.0% 39.5% 0.0% 121 Families living WITHOUT children < 18 % of Married Couples % of FHH % of MHH 1.5% 5.1% 3.2% 0.6% 21.1% 0.0% 2.6% 0.0% 0.0% 2.0% 3.2% 22.5% 1.5% 0.0% 0.0% 0.0% 0.0% 0.0% 1.9% 0.0% 0.0% 2.4% 6.2% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 18.8% 0.0% 2.3% 9.8% 0.0% 4.8% 9.1% 0.0% 1.8% 0.0% 0.0% 0.0% 0.0% 0.0% 2.7% 0.0% 0.0% 2.6% 0.0% 28.6% 0.3% 14.0% 5.0% 1.4% 20.7% 0.0% 2.0% 4.5% 2.7% 4.5% 14.6% 0.0% 2.2% 0.0% 0.0% 3.7% 0.0% 0.0% 0.0% 0.0% 0.0% 1.8% 0.0% 0.0% 2.2% 0.0% 100.0% 0.0% 0.0% 0.0% 2.6% 0.0% 0.0% 1.1% 12.2% 0.0% 1.8% 0.0% 0.0% 2.5% 0.0% 1.9% 3.7% 0.0% 0.0% 3.1% 0.0% 0.0% 3.4% 0.0% 0.0% 3.8% 0.0% 0.0% 3.5% 0.0% 0.0% 1.9% 0.0% 0.0% 0.9% 0.0% 0.0% 1.6% 0.0% 0.0% 2.7% 0.0% 15.2% 1.8% 0.0% 0.0% 5.9% 0.0% 0.0% 2.9% 0.0% 0.0% 0.0% 0.0% 0.0% 2.6% 0.0% 0.0% 3.1% 0.0% 25.0% 2.4% 4.6% 0.0% 7.6% 6.7% 0.0% 2.5% 0.0% 0.0% 0.7% 0.0% 0.0% 1.1% 0.0% 0.0% 1.8% 0.0% 0.0% 3.7% 5.1% 0.0% 1.1% 0.0% 0.0% 0.9% 10.9% 0.0% 2.1% 0.0% 0.0% Table 3.24 A Median Household Incomes for Female Heads of Households Not in Families: By Town Genesee Alabama Alexander Batavia city Batavia Bergen Bethany Byron Darien Elba Le Roy Oakfield Pavilion Pembroke Stafford Tonawanda Res Livingston Avon Caledonia Conesus Geneseo Groveland Leicester Lima Livonia Mount Morris North Dansville Nunda Ossian Portage Sparta Springwater West Sparta York town Monroe Brighton Chili Clarkson East Rochester Gates Greece Hamlin Henrietta Irondequoit Mendon Ogden Parma Penfield Perinton Pittsford Riga Rochester Rush Sweden Webster Wheatland All FHH in nonfamilies $19,968 $14,338 $19,808 $16,939 $24,792 $20,417 $24,792 $21,750 $25,833 $20,417 $22,813 $16,563 $25,500 $21,167 $27,500 $15,417 $19,634 $19,966 $20,972 $21,429 $19,722 $26,042 $18,684 $20,515 $18,009 $17,596 $17,339 $21,250 $32,917 $14,375 $17,000 $18,000 $26,071 $20,667 $22,796 $31,881 $25,191 $14,087 $22,119 $20,887 $23,585 $20,934 $25,978 $22,500 $30,352 $27,835 $29,667 $30,938 $30,446 $37,037 $23,889 $18,296 $29,500 $19,348 $25,944 $28,534 122 FHH 65+ yrs living alone $14,436 $12,857 $18,571 $14,397 $14,125 $15,114 $14,688 $11,641 $18,269 $12,115 $14,118 $11,346 $13,958 $17,344 $16,250 $8,250 $15,847 $17,128 $16,696 $15,313 $16,435 $19,500 $16,500 $17,981 $15,677 $14,615 $13,423 $15,893 $14,375 $10,000 $16,477 $13,750 $8,750 $16,964 $16,237 $21,992 $19,446 $12,717 $16,691 $14,759 $17,312 $17,500 $17,402 $14,987 $14,219 $18,068 $21,321 $18,627 $19,388 $28,287 $16,731 $13,081 $25,000 $13,622 $16,801 $19,099 FHH 65+ yrs living with another $22,500 $16,071 $41,250 $60,104 $24,107 $32,708 $24,750 $16,250 $23,750 $38,750 $18,750 $41,250 $16,250 $26,250 $33,654 $50,417 $67,656 $101,581 $30,000 $46,250 $27,019 $177,361 $17,045 $24,688 $13,750 $38,333 $31,250 $177,361 $90,957 Table 3.24 A Median Household Incomes for Female Heads of Households Not in Families: By Town Ontario Bristol Canadice Canandaigua city Canandaigua East Bloomfield Farmington Geneva city Geneva Gorham Hopewell Manchester Naples Phelps Richmond Seneca South Bristol Victor West Bloomfield Orleans Albion Barre Carlton Clarendon Gaines Kendall Murray Ridgeway Shelby Yates Wayne Arcadia Butler Galen Huron Lyons Macedon Marion Ontario Palmyra Rose town Savannah Sodus Walworth Williamson Wolcott Yates Barrington Benton Italy Jerusalem Middlesex Milo Potter Starkey Torrey All FHH in nonfamilies $21,370 $30,500 $19,531 $17,889 $23,534 $22,917 $27,330 $16,949 $21,500 $20,385 $20,150 $19,232 $20,000 $22,206 $26,250 $18,542 $24,167 $31,250 $24,028 $18,558 $18,077 $18,295 $21,761 $28,382 $17,734 $24,688 $23,403 $19,133 $14,840 $16,667 $18,134 $17,500 $12,059 $14,330 $15,882 $18,558 $27,292 $20,086 $21,122 $17,458 $18,631 $13,214 $16,333 $31,319 $16,836 $13,531 $16,675 $18,750 $21,667 $14,792 $20,446 $17,344 $14,835 $25,469 $15,500 $22,500 123 FHH 65+ yrs living alone $15,822 $13,750 $12,679 $15,625 $21,974 $13,063 $19,375 $13,615 $20,563 $14,152 $17,417 $16,397 $11,447 $16,823 $15,000 $12,778 $19,167 $19,120 $14,444 $14,953 $16,688 $15,625 $10,938 $15,000 $16,892 $16,875 $13,664 $14,556 $14,071 $13,214 $12,830 $13,117 $11,771 $13,375 $13,125 $16,458 $16,875 $13,365 $12,629 $13,571 $13,229 $12,273 $9,359 $18,654 $12,148 $11,653 $13,982 $18,750 $18,482 $13,125 $21,071 $17,857 $13,015 $12,917 $12,016 $16,042 FHH 65+ yrs living with another $15,795 $26,250 $13,750 $13,750 $10,000 $29,583 $17,083 $36,250 $38,750 $56,250 $50,417 $34,479 $21,250 $33,750 $45,625 $33,750 $36,250 $21,964 $85,489 $33,750 $46,250 $28,750 $90,957 $38,839 $22,500 $8,750 $41,250 $23,571 $16,250 $36,250 $46,250 $23,750 $13,750 APPENDIX B Self-Sufficiency Standard For Selected Family Types For Each of the Seven Study Counties. 124 Self-Sufficiency Standard for Selected Family Types for the Seven Study Counties58 Monthly Costs The Self-Sufficiency Standard for Genesee County59 Adult Adult + Adult + Adult + Infant Infant + School Age Preschooler + Teenager Housing Child Care Food Transportation Health Care Miscellaneous Taxes Earned Income Tax Credit (-) Child Care Tax Credit (-) Child Tax Credit (-) Monthly Self-Sufficiency Wage Hourly Self-Sufficiency Wage Annual Income Monthly Costs 59 60 $609 $422 $241 $190 $214 $168 $300 -54 -44 -42 $2,004 $11.56 $24,048 $609 $881 $325 $190 $235 $224 $436 0 -80 -83 $2,737 $15.79 $32,844 $609 $281 $429 $190 $240 $175 $213 -187 -46 -47 $1,857 $10.71 $22,284 The Self-Sufficiency Standard for Livingston County60 Adult Adult + Adult + Adult + Infant Infant + School Age Preschooler + Teenager Housing Child Care Food Transportation Health Care Miscellaneous Taxes Earned Income Tax Credit (-) Child Care Tax Credit (-) Child Tax Credit (-) Monthly Self-Sufficiency Wage Hourly Self-Sufficiency Wage Annual Income 58 $501 0 $164 $185 $83 $93 $216 0 0 0 $1,242 $7.17 $14,904 $501 0 $164 $185 $103 $95 $224 0 0 0 $1,272 $7.34 $15,264 $609 $422 $241 $190 $221 $168 $307 -50 -44 -42 $2,022 $11.67 $24,264 $609 $881 $325 $190 $242 $225 $439 0 -80 -83 $2,748 $15.85 $32,976 $609 $281 $429 $190 $247 $176 $216 -184 -46 -47 $1,871 $10.79 $22,452 The Self-Sufficiency Standard for New York http://www.sixstrategies.org/files/Resource-StandardReport-NY.pdf The Self-Sufficiency Standard for New York, page 54, Table 27 The Self-Sufficiency Standard for New York, page 54, Table 28 125 Adult + Infant + Preschooler +School Age $781 $1,163 $437 $190 $256 $283 $630 0 -80 -125 $3,535 $20.39 $42,420 Adult + Infant + Preschooler +School Age $781 $1,163 $437 $190 $262 $283 $633 0 -80 -125 $3,544 $20.45 $42,528 Monthly Costs The Self-Sufficiency Standard for Monroe County61 Adult Adult + Adult + Adult + Infant Infant + School Age Preschooler + Teenager Housing Child Care Food Transportation Health Care Miscellaneous Taxes Earned Income Tax Credit (-) Child Care Tax Credit (-) Child Tax Credit (-) Monthly Self-Sufficiency Wage Hourly Self-Sufficiency Wage Annual Income Monthly Costs 62 $609 $530 $241 $190 $221 $179 $382 0 -42 -42 $2,268 $13.08 $27,216 $609 $1,093 $325 $190 $242 $246 $537 0 -80 -83 $3,079 $17.76 $36,948 $609 $368 $429 $190 $247 $184 $260 -145 -44 -74 $2,024 $11.68 $24,288 The Self-Sufficiency Standard for Ontario County62 Adult Adult + Adult + Adult + Infant Infant + School Age Preschooler + Teenager Housing Child Care Food Transportation Health Care Miscellaneous Taxes Earned Income Tax Credit (-) Child Care Tax Credit (-) Child Tax Credit (-) Monthly Self-Sufficiency Wage Hourly Self-Sufficiency Wage Annual Income 61 $501 0 $164 $185 $103 $95 $224 0 0 0 $1,272 $7.34 $15,264 $501 0 $164 $185 $103 $95 $224 0 0 0 $1,272 $7.34 $15,264 $609 $530 $241 $190 $221 $179 $382 0 -42 -42 $2,268 $13.08 $27,216 The Self-Sufficiency Standard for New York, page 55, Table 29 The Self-Sufficiency Standard for New York, page 55, Table 30 126 $609 $1,093 $325 $190 $242 $246 $537 0 -80 -83 $3,079 $17.76 $36,948 $609 $368 $429 $190 $247 $184 $260 -145 -44 -74 $2,024 $11.68 $24,288 Adult + Infant + Preschooler +School Age $781 $1,461 $437 $190 $262 $313 $771 0 -80 -125 $4,010 $23.13 $48,120 Adult + Infant + Preschooler +School Age $781 $1,461 $437 $190 $262 $313 $771 0 -80 -125 $4,010 $23.13 $48,120 Monthly Costs The Self-Sufficiency Standard for Orleans County63 Adult Adult + Adult + Adult + Infant Infant + School Age Preschooler + Teenager Housing Child Care Food Transportation Health Care Miscellaneous Taxes Earned Income Tax Credit (-) Child Care Tax Credit (-) Child Tax Credit (-) Monthly Self-Sufficiency Wage Hourly Self-Sufficiency Wage Annual Income Monthly Costs 64 $609 $422 $241 $190 $214 $168 $300 -$54 -$44 -$42 $2,004 $11.56 $24,048 $609 $881 $325 $190 $235 $224 $436 $0 -$80 -$83 $2,737 $15.79 $32,844 $609 $281 $429 $190 $240 $175 $213 -$187 -$46 -$47 $1,857 $10.71 $22,284 The Self-Sufficiency Standard for Wayne County64 Adult Adult + Adult + Adult + Infant Infant + School Age Preschooler + Teenager Housing Child Care Food Transportation Health Care Miscellaneous Taxes Earned Income Tax Credit (-) Child Care Tax Credit (-) Child Tax Credit (-) Monthly Self-Sufficiency Wage Hourly Self-Sufficiency Wage Annual Income 63 $501 $0 $164 $185 $83 $95 $216 $0 $0 $0 $1,244 $7.18 $14,928 $501 0 $164 $185 $103 $95 $224 0 0 0 $1,272 $7.34 $15,264 $609 $530 $241 $190 $221 $179 $382 0 -42 -42 $2,268 $13.08 $27,216 The Self-Sufficiency Standard for New York, page 56, Table 31 The Self-Sufficiency Standard for New York, page 56, Table 32 127 $609 $1,093 $325 $190 $242 $246 $537 0 -80 -83 $3,079 $17.76 $36,948 $609 $368 $429 $190 $247 $184 $260 -145 -44 -74 $2,024 $11.68 $24,288 Adult + Infant + Preschooler +School Age $781 $1,163 $437 $190 $256 $283 $630 $0 -$80 -$125 $3,535 $20.39 $42,420 Adult + Infant + Preschooler +School Age $781 $1,461 $437 $190 $262 $313 $771 0 -80 -125 $4,010 $23.13 $48,120 Monthly Costs The Self-Sufficiency Standard for Yates County65 Adult Adult + Adult + Adult + Infant Infant + School Age Preschooler + Teenager Housing Child Care Food Transportation Health Care Miscellaneous Taxes Earned Income Tax Credit (-) Child Care Tax Credit (-) Child Tax Credit (-) Monthly Self-Sufficiency Wage Hourly Self-Sufficiency Wage Annual Income 65 $400 0 $164 $185 $103 $85 $183 0 0 0 $1,120 $6.46 $13,440 $480 $422 $241 $190 $221 $155 $230 -103 -48 -42 $1,746 $10.07 $20,952 The Self-Sufficiency Standard for New York, page 74, Table 64 128 $480 $881 $325 $190 $242 $212 $380 -17 -80 -83 $2,530 $14.60 $30,360 $480 $281 $429 $190 $247 $163 $155 -241 -50 -11 $1,643 $9.48 $19,716 Adult + Infant + Preschooler +School Age $621 $1,163 $437 $190 $262 $267 $563 0 -80 -83 $3,340 $19.27 $40,080 APPENDIX C Survey Instrument for One-On-One Interviews 129 This is a survey sponsored by the Women’s Foundation of Greater Genesee Valley in Rochester. This agency gives money to organizations that help women to support themselves and their children. We want to know more about what actually helps women, like you, to find work, pay bills, buy food, find housing and transportation, as well as, care for their children. The time and information that you provide us will be very helpful in finding out what services and supports are needed in your community. All the information that you share in this survey will be kept strictly confidential, we do not want your name or address. How many children do you have living with you? _______________ (please write in the number) 1. What social services do you use? (please select as many as apply) Response Mark Answer(s) “X” Cash Assistance Food Stamps Medicaid HUD Work Study Subsidized Child Care Catholic Charities Wilson Commencement Park Cooperative Extension Programming (ESNY/EFNEP) Chances and Changes WIC Family Resource Center Legal Assistance of the Finger Lakes Planned Parenthood Other Services/Supports/Programs (please tell us what those are) 2. How would you describe the programs that you are enrolled in? (mark your answer “x” in the box provided) □ □ □ Extremely inadequate in helping me to make ends meet. Somewhat inadequate in helping me to make ends meet. Adequate in helping me to make ends meet. 130 3. In your opinion, how difficult is it for you to get the services you need to take care of your daily living expenses? (mark your answer “x” in the box provided) □ □ □ □ 4. Impossible Very difficult Somewhat difficult Fairly easy What do you do when you have a crisis (for example, your car breaks down, you can’t pay rent or you run out of food)? (select as many as apply) Response Mark Answers “X” Wait it out Call the Department of Social Services Call a Community Agency for help Call a family member Call a friend Call a local church If you have other emergency strategies, please write them in to the right… 5. Within Box A and Box B, please tell us what your greatest need is, your second greatest need and your third greatest need? BOX A Response BOX B Mark answers 1=greatest need 2=second greatest need 3=third greatest need Housing Transportation Childcare High School Education Job Training Self-Esteem Counseling 6. Response Mark answers 1=greatest need 2=second greatest need 3=third greatest need Housing Transportation Childcare High School Education Job Training Self-Esteem Counseling When you ask for assistance from the Department of Social Services, how are you treated? (mark your answer “x” in the box provided) □ □ □ □ In a hostile way Rudely Warmly With respect 131 7. When you ask for assistance from a community-based program, how are you treated? (mark your answer “x” in the box provided) □ □ □ □ 8. Rudely Warmly With respect Some people say that a single mother with 2 children needs to make at least $17.49/hour to cover all expenses (that comes out to $3,078/month and $36,963/year), do you believe this amount is: (mark your answer “x” in the box provided) □ □ □ □ 9. In a hostile way Too little About right Slightly too high Far too high When you consider the amount of money you make each year, how close would you say your income is to this amount ($36,963)? (mark your answer “x” in the box provided) □ □ □ □ □ Not even close (under $10,000/year) Far below ($10,000-24,999/year) Fairly close ($25,000-30,000/year) Close ($30,000-36,962/year) Exactly the same or more ($36,963 or more in a year) 10. How would you describe your financial situation? (mark your answer “x” in the box provided) □ □ □ □ Extremely bad (no housing, little food) Somewhat bad Somewhat stable Very stable (can pay all the bills each month) 11. How would you compare your current financial situation with your situation in the past? (mark your answer “x” in the box provided) □ □ □ □ □ Much worse Somewhat worse About the same Somewhat better Much better If your situation is different from last year, what is different? 132 12. What do you do to try to make ends meet? (please select as many as apply) Response Mark Answer(s) “X” Use Food Stamps Clip coupons Work more than one job Skip meals Go without meeting your own basic needs Other things you do to make it to the end of the month? 13. How important is the way you feel about yourself and your ability to be financially stable. (mark your answer “x” in the box provided) □ □ □ □ Extremely unimportant Relatively unimportant Relatively important Extremely important 14. Circle the option that best describes where you live. a. Farm b. Rural, non-farm c. Small town d. Suburb e. City 15. Circle the option that best describes your housing. a. Apartment b. Trailer that you rent c. Trailer that you own d. House that you rent e. House that you own f. I live with my parents or other family. 16. Circle the option that best describes your present marital status. a. Single, never married b. Married c. Divorced d. Separated e. Widowed 17. Circle the option that best describes your employment status. a. Unemployed b. Disabled c. Actively seeking employment (Work Study Program) d. Part-time e. Full-time 133 18. Circle the option that describes your highest level of education completed. a. No formal education b. Some grade school c. Completed grade school d. Some high school e. Completed high school f. Some trade school g. Completed trade school h. Some college i. Completed college 19. Circle the option that best describes your current transportation status. a. Own a car b. Own a car but can’t insure it c. Own a car but it is broken d. Bus e. Taxi f. Friend or family provides rides g. No driver’s license 20. Did you respond to the 2000 Census? □ □ Yes No 21. Are there any services that you know about that you don’t use? (Why?) 22. What kinds of help do you think you need in order to get to the place that you can take care of yourself and your family financially? 134 23. What causes you the most problems in your life? 24. What is the one piece of advice you would offer to a younger woman? County of Residence________________________ Location of Interview _______________________ THANK YOU FOR YOUR TIME AND FOR YOUR PARTICIPATION! ©KATHRYN A. BOWEN, PHD. BECS, INC. 102 DESMOND STREET, SUITE #2, SAYE PA 18840 135
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