ALICE
®
ASSET LIMITED, INCOME CONSTRAINED, EMPLOYED
Winter 2016
STUDY OF FINANCIAL HARDSHIP UnitedWayALICE.org/Louisiana
REGIONAL MAP OF LOUISIANA
UNITED WAY ALICE PROJECT PARTICIPANTS United Way of Northwest Louisiana www.unitedwaynwla.org 820 Jordan Street, Suite 370 Shreveport, LA 71101
United Way of Northeast Louisiana www.unitedwaynela.org 1201 Hudson Lane Monroe, LA 71201
United Way of Central Louisiana www.uwcl.org 1101 4th Street, Suite 202 Alexandria, LA 71301
St. Landry - Evangeline United Way www.uwsle.org 311 W. Vine Street Opelousas, LA 70570
Capital Area United Way www.cauw.org 700 Laurel Street Baton Rouge, LA 70802
United Way of Southeast Louisiana www.unitedwaysela.org 2515 Canal Street New Orleans, LA 70119
United Way of Southwest Louisiana www.unitedwayswla.org 815 Ryan Street Lake Charles, LA 70601
United Way of Acadiana
www.unitedwayofacadiana.org 215 E. Pinhook Road Lafayette, LA 70501
Represents parish location of regional United Way office.
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United Way of Iberia, Inc.
www.unitedwayofiberia.org 449 E. St. Peter Street New Iberia, LA 70560
St. John United Way
www.stjohnunitedway.org 299 Belle Terre Blvd., Suite AA LaPlace, LA 70068
United Way of St. Charles www.uwaysc.org 13207 River Road Luling, LA 70070
LETTER TO THE COMMUNITY Dear Louisianans,
Louisiana has had more than its share of natural disasters, from Hurricanes Katrina and Rita to the 2016 floods. While these events take a toll on all Louisianans, those who are most vulnerable are ALICE and families living in poverty. As someone directly impacted by the August flooding, I have often wondered how ALICE rebuilds after such devastating losses, with little or no saving to weather the unexpected crisis. ALICE is a group of people who work hard, but still cannot afford to make ends meet. ALICE lives in every town and every parish in Louisiana – working as child care providers, aides for the elderly, as cashiers, mechanics, and waiters and waitresses. They are our friends, family, and people we rely on every day. To provide a better understanding of ALICE, United Ways throughout Louisiana eagerly share this update, which advances the information by one year since our first United Way ALICE Report for Louisiana was released in January 2016. This Report reveals that 23 percent of all Louisiana households are ALICE and another 19 percent live in poverty. Together, 42 percent of all Louisiana households cannot afford basic expenses – housing, child care, food, transportation, health care, and taxes. One of our goals in releasing this Report is to help inform policy makers, coalitions, and organizations to more effectively help the people of our state. We take great pride in the fact that the Federal Emergency Management Agency (FEMA) recently used the United Way ALICE Report to help understand the impact of natural disasters on ALICE and to better target their services to our communities affected. This United Way ALICE Report for Louisiana is made possible by generous corporate support from the Entergy Corporation. As our sponsor and as a National ALICE Advisory Council member, Entergy supports ALICE research in our state and around the nation. The Louisiana Association of United Ways is also grateful for the support of JPMorgan Chase as a Louisiana Friend of ALICE. These corporate partners are helping to bring the message of ALICE to our great state. Both United Way ALICE Reports with parish-level information are available online at www.launitedway.org. If you would like to contact us about ALICE, please email us at ALICE@launitedway.org. Join us in the fight for families who struggle to feed their children and reach financial stability. When Louisiana’s ALICE households can improve their financial status so they are not struggling to make ends meet, we are all stronger and more prosperous. Sincerely,
Sarah H. Berthelot President and CEO, Louisiana Association of United Ways sarah@launitedway.org @sarahberthelot @launitedways #ALICELA #meetALICE
United Way ALICE Project Participants Capital Area United Way George H. Bell President/CEO www.cauw.org St. John United Way John Olynick Executive Director www.stjohnunitedway.org St. Landry – Evangeline United Way Ginger LeCompte Executive Director www.uwsle.org United Way of Acadiana Margaret H. Trahan President/CEO www.unitedwayofacadiana.org United Way of Central Louisiana David Britt President www.uwcl.org United Way of Iberia Corleen Rouly Executive Director www.unitedwayofiberia.org United Way of Northeast Louisiana Janet S. Durden President www.unitedwaynela.org United Way of Northwest Louisiana Bruce Willson, Jr. President & CEO www.unitedwaynwla.org United Way of Southeast Louisiana Michael Williamson President/CEO www.unitedwaysela.org United Way of Southwest Louisiana Denise Durel President/CEO www.unitedwayswla.org United Way of St. Charles John Dias Executive Director www.uwaysc.org
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FUNDERS AND PARTNERS National ALICE Advisory Council The United Way ALICE Project is partially funded and supported by the National ALICE Advisory Council, a body of corporate and national organizations convened to elevate ALICE’s voice to a national level. The Council is a forum for sharing experiences, developing best practices, and building innovative impact strategies to stabilize ALICE households and our broader economy. Current members include:
Aetna Foundation | AT&T | Atlantic Health System | Deloitte | Entergy | Johnson & Johnson KeyBank | Novartis Pharmaceuticals Corporation | OneMain Financial Thrivent Financial Foundation | UPS | U.S. Venture Dear Louisianans: At Entergy, one of the many ways that we power life is by working in partnership to address our communities’ most pressing issues. Working together, we have the power to break the cycle of intergenerational poverty. As one of only two Fortune 500 companies headquartered in Louisiana, we take our responsibility to support efforts such as the United Way ALICE Project seriously. Entergy is committed to giving back and inspiring positive change, because we can only be as strong as the communities we serve. This past year was a challenging one for the people of Louisiana, with devastating floods and tornadoes. For the more than 42 percent of Louisiana families who live below the ALICE threshold, these unexpected events hit the hardest. Three hundred of our very own employees were personally impacted by the 2016 floods, so the challenges of rebuilding really hit close to home. If history repeats, Louisiana will come back stronger than ever before. We are pleased to work with United Ways throughout Louisiana to help build stronger financial stability in hard-working families, while addressing the underlying causes of poverty. Our opportunity to know ALICE and how we can best help Louisiana’s struggling families opens a door for us all to move Louisiana families forward. At Entergy, we will use this report to do our part, knowing it will take everyone working together to create a brighter future for ALICE and indeed for all of us. Entergy Corporation is an integrated energy company engaged primarily in electric power production and retail distribution operations. Entergy delivers electricity to 2.8 million utility customers in Arkansas, Louisiana, Mississippi, and Texas. Entergy has annual revenues of approximately $11.5 billion and more than 13,000 employees. But more importantly, we have also invested approximately $82 million over the past 10 years in community efforts, creating a stronger, more prosperous, and sustainable Louisiana. We welcome all to join us as we work together to build stronger communities throughout Louisiana. Sincerely,
Patty Riddlebarger Director of Corporate Social Responsibility Entergy Corporation
Louisiana Friends of ALICE The Louisiana Association of United Ways is grateful for the support of corporate partners who are committed to the success of this project and helping bring the message of ALICE to the state of Louisiana. Current Louisiana Friends of ALICE include:
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THE ALICE RESEARCH TEAM The United Way ALICE Project provides high quality, research-based information to foster a better understanding of who is struggling in our communities. To produce the United Way ALICE Report for Louisiana, a team of researchers collaborated with a Research Advisory Committee, composed of 19 representatives from around Louisiana, who advised and contributed to our Report. This collaborative model, practiced in each state, ensures each United Way ALICE Report presents unbiased data that is replicable, easily updated on a regular basis, and sensitive to local context. Working closely with United Ways, the United Way ALICE Project seeks to equip communities with information to create innovative solutions.
Lead Researcher and National Director Stephanie Hoopes, Ph.D., is the lead researcher and national director of the United Way ALICE Project. Dr. Hoopes’ work focuses on the political economy of the United States and specifically on the circumstances of low-income households. Her research has garnered both state and national media attention. She began the United Way ALICE Project as a pilot study of the low-income community in affluent Morris County, New Jersey in 2009, and has overseen its expansion into a national initiative to more accurately measure financial hardship in states across the country. In 2015, Dr. Hoopes joined the staff at United Way of Northern New Jersey in order to grow this work in new and innovative ways as more and more states become involved. Dr. Hoopes was an assistant professor at the School of Public Affairs and Administration (SPAA), Rutgers University-Newark, from 2011 to 2015, and director of Rutgers-Newark’s New Jersey DataBank, which makes data available to citizens and policymakers on current issues in 20 policy areas, from 2011 to 2012. SPAA continues to support the United Way ALICE Project with access to research resources. Dr. Hoopes has a doctorate from the London School of Economics, a master’s degree from the University of North Carolina at Chapel Hill, and a bachelor’s degree from Wellesley College.
Research Support Team Andrew Abrahamson
Helen McGinnis
Dan Treglia, Ph.D.
ALICE Research Advisory Committee for Louisiana Gary Asmus, Ph.D. Workforce Opportunity Services
Vicki Mack, M.H.A., Ph.D. The Data Center
Robin A. Barnes, M.P.A. Greater New Orleans, Inc.
Clair Hebert Marceaux, P.C.E.D. Cameron Parish Policy Jury
Ali R. Bustamante Loyola University New Orleans
Jan Moller Louisiana Budget Project
Steven Dick, Ph.D. University of Louisiana at Lafayette
Dave N. Norris Jr., Ph.D. Louisiana Tech University
Barry Erwin Council for A Better Louisiana
Alexandra Priebe Louisiana Public Health Institute
Robert Eisenstadt, Ph.D. University of Louisiana at Monroe
Peggy Ramey BHP Billiton
John L. LaCour, M.S.W., retired University of Louisiana at Lafayette
Kim Hunter-Reed, D.P.P., M.P.A. HCM Strategists
Tre Rials New Orleans Business Alliance Patty Riddlebarger Entergy Corporation Bill Rodier St. Landry Parish Economic Development Adrienne C. Slack Federal Reserve Bank of Atlanta – New Orleans Branch Monty Sullivan, Ed.D. Louisiana Community and Technical College System
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THE UNITED WAY ALICE PROJECT The United Way ALICE Project provides a framework, language, and tools to measure and understand the struggles of the growing number of households in our communities who do not earn enough to afford basic necessities, a population called ALICE. This research initiative partners with state United Way organizations to present data that can stimulate meaningful discussion, attract new partners, and ultimately inform strategies that affect positive change. Based on the overwhelming success of this research in identifying and articulating the needs of this vulnerable population, the United Way ALICE Project has grown from a pilot in Morris County, New Jersey in 2009, to the entire state of New Jersey in 2012, and now to the national level with 15 states participating. Louisiana United Ways are proud to join the some 450 United Ways from these states to better understand the struggles of ALICE. Organizations across the country are also using this data to better understand the struggles and needs of their employees, customers, and communities. The result is that ALICE is rapidly becoming part of the common vernacular, appearing in the media and in public forums discussing financial hardship in communities across the country. Together, United Ways, government agencies, nonprofits, and corporations have the opportunity to evaluate the current solutions and discover innovative approaches to give ALICE a voice, and to create changes that improve life for ALICE and the wider community. To access reports from all states, visit UnitedWayALICE.org
States with United Way ALICE Reports
Oregon
North Dakota
Montana
Washington
Minnesota
Wisconsin
South Dakota
Idaho
Wyoming
Michigan
Iowa
Nebraska Nevada
New Hampshire Vermont Maine
Illinois Indiana Utah
Colorado
California
Kansas
Missouri
Oklahoma Arizona
Arkansas
Ohio
Tennessee
Georgia
Alabama Louisiana Alaska
Pennsylvania
West Virginia Virginia Kentucky
New Mexico Texas
New York
North Carolina
Massachusetts
Rhode Island Connecticut New Jersey Delaware Maryland District of Columbia
South Carolina Florida
Mississippi
New Jersey (2012) Hawaii
First Cohort (2014) Second Cohort (2015-16) Third Cohort (2016-17)
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TABLE OF CONTENTS UPDATE TO THE UNITED WAY ALICE REPORT FOR LOUISIANA ������������������������������������������������������ 1 SUPPLEMENT: UPDATE ON INCOME ASSESSMENT ����������������������������������������������������������������������� 8 BIBLIOGRAPHY ������������������������������������������������������������������������������������������������������������������������� 11 LOUISIANA PARISH PAGES �������������������������������������������������������������������������������������������������������� 12
INDEX OF FIGURES Figure 1. Household Income, Louisiana, 2007 to 2014 ��������������������������������������������������������������� 2 Figure 2. Household Type by Income, Louisiana, 2007 to 2014 ��������������������������������������������������� 2 Figure 3. Families with Children by Income, Louisiana, 2014 ���������������������������������������������������� 3 Figure 4. Household Survival Budget, Louisiana, 2007 to 2014 ������������������������������������������������� 4 Figure 5. Number of Jobs by Hourly Wage, Louisiana, 2014 �������������������������������������������������������� 4 Figure 6. Household Assets, Louisiana, 2014 ����������������������������������������������������������������������������� 5 Figure 7. C omparing Basic Need with Public and Nonprofit Spending by Category (Excluding Health Care and Miscellaneous Expenses), Louisiana, 2014 ��������������������������������������� 6
ALICE IN LOUISIANA
Update providing 2014 data
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UPDATE TO THE UNITED WAY ALICE REPORT FOR LOUISIANA
Update providing 2014 data
In Louisiana, 723,077 households – fully 42 percent – struggled to afford basic household necessities in 2014. This update to the inaugural United Way ALICE Report for Louisiana provides the most current data on Louisiana residents who are struggling financially: 42 percent of households in Louisiana could not afford basic needs such as housing, child care, food, health care, and transportation in 2014. Many households are living below the Federal Poverty Level (FPL), but an even greater number of households are what United Way calls ALICE – an acronym for Asset Limited, Income Constrained, Employed. ALICE households have incomes above the FPL, but despite being hard working, still struggle to afford basic household necessities. This Report focuses on what has changed in Louisiana since the first United Way ALICE Report was published one year ago. Updating the data to 2014 aligns Louisiana with other state ALICE Reports. A multi-state comparison report will be available later in the year. Overall, with signs of improvement in the job market, life improved incrementally for many Louisianans. However, the cost of living continued to rise, while severe weather events and industry sector job fluctuations have forced many families to use up any savings, making it harder for them to get ahead.
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
This Report updates the cost of basic needs in the Household Survival Budget for each parish, and the number of households earning below this amount – the ALICE Threshold. It provides data on ALICE and poverty-level households by age and household type for each parish and municipality, where available, to reveal variations in hardship that are often masked by state averages. These breakdowns can be found in the Louisiana Parish Pages. Finally, the Report provides a new analysis of public and private assistance, demonstrating how these resources fall short in meeting the needs of ALICE households.
MORE HOUSEHOLDS STRUGGLING FINANCIALLY SINCE THE LAST ALICE REPORT Evidence is emerging that Louisiana is recovering, the population is increasing, and the number of jobs and level of wages are improving. Yet, the number of households below the ALICE Threshold also continues to rise, and their proportion of all households has remained the same. Households with income below the FPL remained at 19 percent from 2012 to 2014, while the proportion of ALICE households increased from 22 percent to 23 percent. The last report showed that in 2013, the proportion of ALICE households was 21 percent, which suggested a dip in the number of ALICE households, but data over a longer period of time shows the trend is increasing slightly. In fact, looking back to 2007, the start of the Great Recession, the number of households living below the ALICE Threshold has increased by 13 percent.
1
100%
1,820
90%
1,720
80%
1,620
70%
59%
60%
58%
59%
60%
1,420
50%
1,320
40% 30%
22%
23%
22%
23%
18%
18%
19%
19%
0%
2007
2010
2012
2014
1,220 1,120
20% 10%
1,520
Households (in thousands)
Percent of Households
Figure 1. Household Income, Louisiana, 2007 to 2014
Above AT ALICE Poverty Total HH
1,020 920
Source: American Community Survey, 2007-2014, and the ALICE Threshold, 2014
The size and makeup of households are changing across the U.S., with a trend towards smaller households, fewer households with children, fewer married-couple households, and more people living alone, especially at older ages. The number of families with children is decreasing, and households are aging. People are increasingly living in a wider variety of arrangements, including singles living alone or with roommates, and grown children living with parents. In 2014, single and cohabiting adults with no children under 18 years old made up the largest group in Louisiana, accounting for 49 percent of households (Figure 2).
Figure 2. Household Type by Income, Louisiana, 2007 to 2014
90%
800
80% 70%
57%
60%
500 390
40% 26%
20% 10% 0%
600
480
50% 30%
700
57%
61%
17% Single & Cohabiting (No Children Below 18)
13% 26% Families with Children
Source: American Community Survey, 2014, and the ALICE Threshold, 2014
28%
15% 65 and Over
400 300 200 100
Above AT ALICE Poverty Total HH
0
2
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
900
853
Households (in thousands)
Percent of Total Age Group
100%
• Families with children are the most likely group to be in poverty, especially those in single-parent families (Figure 3). Over the past decade, the number of married couples with children declined in Louisiana, while the number of single parent families increased. • Seniors are the most likely group to be ALICE, though the numbers are improving. In 2014, 15 percent of seniors were in poverty and 28 percent were ALICE. From 2007 to 2014, the number of households headed by someone over 65 increased, but the proportion in poverty decreased slightly from 16 percent to 15 percent. The biggest improvement was in the reduction in the percentage of senior ALICE households, from 34 percent in 2007 to 28 percent in 2014. • Other kinds of households – singles, married without children, families with children 18 and older, and roommates – account for almost half of all households in Louisiana, and 43 percent of these other households live below the ALICE Threshold (represented by the Single & Cohabiting category in Figure 2).
Figure 3. Families with Children by Income, Louisiana, 2014 90%
Percent of Family Type
300
281 23%
80%
47%
70% 60%
19% 84%
158
50% 40%
20%
0%
25%
41
8% Married
Single Female-Headed
200
100
58% 8%
250
150 28%
30%
10%
188,860 Families with Children Below ALICE Threshold
Single Male-Headed
50
Families (in thousands)
100%
Above AT ALICE Poverty Total HH
0
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Source: American Community Survey, 2014, and the ALICE Threshold, 2014
BASIC COST OF LIVING OUTPACES INFLATION The Household Survival Budget identifies the minimum cost for each of the five basic household items needed to live and work in today’s economy: housing, child care, food, transportation, and health care. The cost of these expenses increased steadily in every parish in Louisiana between 2007 and 2014. The average budget rose by 27 percent, which is almost double the national rate of inflation of 14 percent during that time period. The average annual Household Survival Budget for a Louisiana family of four (two adults with one infant and one preschooler) was $46,240, and for a single adult was $16,817 – well above the family FPL of $23,850 and the single FPL of $11,670 (U.S. Department of Health & Human Services, 2014).
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Figure 4. Household Survival Budget, Louisiana, 2007 to 2014 Monthly Costs – Louisiana Average – 2014 SINGLE ADULT Housing
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
2007 – 2014 PERCENT CHANGE
$527
$727
22%
$–
$795
16%
Food
$182
$550
20%
Transportation
$340
$679
31%
Health Care
$122
$486
31%
Miscellaneous
$127
$350
27%
Taxes
$103
$266
0%
$1,401
$3,853
27%
$16,871
$46,240
27%
$8.41
$23.12
27%
Child Care
Monthly Total ANNUAL TOTAL Hourly Wage *
*Wage working full-time required to fund this budget Note: Percent increases in Figure 4 are an average of the increases in each category for a single-adult and for a four-person family. Source: U.S. Department of Housing and Urban Development (HUD), 2014; U.S. Department of Agriculture (USDA), 2014; Bureau of Labor Statistics (BLS), 2014; Internal Revenue Service (IRS), 2014; Louisiana Department of Revenue; Care Solutions, 2015
LOW-WAGE JOBS DOMINATE THE ECONOMY
Number of Jobs (in thousands)
Figure 5. Number of Jobs by Hourly Wage, Louisiana, 2014 1,400 1,200 1,000 800 600 400 200 0
68% $15-$20
$10-$15
27% $30-$40
Less Than $10
$20-$30
Less Than $20
$20-$40
4% $40-$60
0.3%
0.3%
$60-$80
Above $80
Source: Bureau of Labor Statistics, Occupational Employment Statistics (OES) Wage Survey – All Industries Combined, 2014
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UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Low-wage jobs continued to dominate the landscape; 68 percent of all jobs in Louisiana paid less than $20 per hour and two-thirds of those paid less than $15 per hour. Working full time year round at $15 per hour earns an annual salary of $30,000, not enough to support the family Household Survival Budget. Yet the job market shows signs of improving: The number of jobs increased slightly (1 percent) from 2013 to 2014, and the percent of low-wage jobs (less than $20 per hour) fell from 71 percent in 2013 to 68 percent in 2014, though this is still well above the 2007 level of 58 percent.
FEWER FAMILIES HAVE SAVINGS AND ASSETS Accumulating assets has been difficult in Louisiana, particularly liquid assets that households can draw upon in times of emergency. Levels of ownership of three of the most common assets in Louisiana provide insight into resources families have for emergencies and to accumulate wealth. Ninety-one percent of households own at least one vehicles, 64 percent own a home, but only 16 percent have an investment that produces income. While a vehicle is a necessity for work, it does not hold its value over time. Homeownership is the means for most families to build savings, but more than half of households have a mortgage and may owe more money than they would earn by selling it. The most effective resource to weather an emergency is an investment that produces income, which can range from a savings account to a 401K retirement plan to a rental property. But with only 16 percent of households with such assets, most Louisiana households do not have a cushion against a crisis.
Figure 6. Household Assets, Louisiana, 2014 100%
Percent of Households
90% 80%
3+ Vehicles
70% 60% 50%
2 Vehicles With Mortgage
40% 30% 20%
1 Vehicle
10% 0%
Vehicle
No Mortgage Home
Interest, Dividends, or Rental Income
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Source: American Community Survey, 2014
GAPS REMAIN EVEN WITH PUBLIC ASSISTANCE The ALICE Income Assessment quantifies total income of households below the ALICE Threshold and how much public and nonprofit assistance is spent on these low-income households. The landscape for the ALICE Income Assessment is changing in Louisiana. As the number of households below the ALICE Threshold increased, the total need increased, but so did total income and assistance. However, much of the increase in assistance has been for health care spending, which accounts for the largest portion of assistance. As a result, there are large gaps in some budget areas. Figure 7 compares the budget amounts for each category of the Household Survival Budget for a family of four (shown in dark blue) with ALICE income (shown in dark yellow), plus the public and nonprofit spending in each category (shown in yellow cross-hatch). The gap or surplus in each budget area is the difference between the blue column and the yellow/crosshatch column. The comparison assumes that the income households earn is allocated proportionately to each category. For a new and expanded analysis of income assistance, see the Supplement: Update on Income Assistance.
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Public and Nonprofit Spending (in millions)
Figure 7. Comparing Basic Need with Public and Nonprofit Spending by Category (Excluding Health Care and Miscellaneous Expenses), Louisiana, 2014 $6,000 $5,000
45% Gap
46% Gap
3% Gap
$4,000
49% Gap
$3,000 $2,000 $1,000 $0
Housing Minimum Need
Child Care ALICE Income
Food
Transportation
Government & Nonprofit Assistance
Source: Office of Management and Budget, 2014; U.S. Department of Agriculture, 2014; Internal Revenue Service, 2014; American Community Survey, 2014; National Association of State Budget Officers, 2014; NCCS Data Web, 2012
CONCLUSION Many younger workers struggle to find jobs that support independent living or repay college debt. Families with young children struggle to find affordable child care. Families who encounter an emergency – health, accident, and especially natural disaster – have little or no savings to help them cope. And seniors, especially those who used their savings to weather unemployment or underemployment, are struggling to regain stability above the ALICE Threshold. Research shows that there are layers of support for financially fragile families. Often the first place low-income people or those without emergency savings seek help are from friends and family, followed by private nonprofits and government; they each can provide unique sets of assistance (Collins & Gjertson, 2013; Consumer and Community Development Research Section of the Federal Reserve Board’s Division of Consumer and Community Affairs (DCCA), 2015; Lusardi, Schneider, & Tufano, 2011; Allard, Danziger, & Wathe, 2012). Short-term strategies are those that help a family cope with an emergency and prevent spiraling into poverty. Long-term strategies are harder to implement, but can help a family maintain financial stability and support their family over time. Depending on how far a family’s income is below the ALICE Threshold, different strategies may be required. But all strategies play an important role; there is no one solution. Many stakeholders have a role, including friends and family, nonprofits, employers, and government. This update is part of the larger United Way ALICE Project. More information, including the initial Louisiana Report and the new National Consequences of Insufficient Income report, is available on the Project website: www.UnitedWayALICE.org.
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UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
ALICE households remain vulnerable in Louisiana. Unemployment and low-wage jobs persist for some groups, and the total number of households with wage or salary income is still lower in 2014 than 2007. There are 14 percent more households in poverty in 2014 than there were in 2007 and 13 percent more ALICE households.
GLOSSARY ALICE is an acronym that stands for Asset Limited, Income Constrained, Employed, comprising households with income above the Federal Poverty Level but below the basic cost of living. The Household Survival Budget calculates the actual costs of basic necessities (housing, child care, food, health care, and transportation) in Louisiana, adjusted for different parishes and household types. The ALICE Threshold is the average level of income that a household needs to afford the basics defined by the Household Survival Budget for each parish in Louisiana. (Please note that unless otherwise noted in this Report, households earning less than the ALICE Threshold include both ALICE and poverty-level households.)
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
The ALICE Income Assessment is the calculation of all sources of income, resources, and assistance for ALICE and poverty-level households. Even with assistance, the Assessment reveals a significant shortfall, or Unfilled Gap, between what these households bring in and what is needed for them to reach the ALICE Threshold.
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SUPPLEMENT: UPDATE ON INCOME ASSESSMENT In the ongoing effort to provide the most useful understanding of ALICE households, The United Way ALICE Project continually incorporates changing conditions, such as increases in the cost of basic necessities. In the case of the ALICE Income Assessment, the increased health care spending has spurred additional analysis. This section presents a new Unfilled Gap analysis. The ALICE Income Assessment quantifies total income of households below the ALICE Threshold and how much public and nonprofit assistance is spent on these low-income households. Though assistance appears significant, research has shown that assistance is not always well-targeted, effective, and timely. There are several challenges to meeting basic needs with public and private assistance. First, the majority of government programs are intended to fill short-term needs, such as basic housing, food, clothing, health care, and education. By design, their goal is not to help households achieve long-term financial stability (Haskins, 2011; Shaefer & Edin, 2013; Ben-Shalom, Moffitt, & Scholz, 2012). Second, crucial resources are often targeted to households near or below the Federal Poverty Level (FPL), meaning that many struggling ALICE households are not eligible for assistance. Benefits are often structured to end before a family reaches stability, known as the “cliff effect.” In Louisiana, as earnings rise above the FPL, SNAP benefits decrease and then stop once income reaches 165 percent of the FPL, or just $40,104 for a family of four – 15 percent less than the Household Survival Budget for a family (National Conference of State Legislatures, October 2011; Louisiana Department of Family and Child Services, 2016). Finally, because public and nonprofit assistance is allocated for specific purposes and often delivered as services, it can only be used for specific parts of the household budget. Only 5 percent of the assistance provided in Louisiana is done through cash transfers, which households can use toward any of their most pressing needs. The remainder is earmarked for specific items, like food assistance or health care, even though need varies across households.
Gap in Housing Resources In the Household Survival Budget for a family of four, housing accounts for 19 percent of the budget. If families spend 19 percent of income on housing, they are still far short of what is needed to afford rent at HUD’s 40th rent percentile. To fill the gap, federal housing programs provide $210 million in assistance, including Section 8 Housing Vouchers, the Low Income Home Energy Assistance Program, the Public Housing Operating Fund, and Community Development Block Grant (CDBG). In addition, nonprofits spend an estimated $47 million on housing assistance (because nonprofit spending is not available by category, the estimate is one-fifth of the total nonprofit budget). Yet when income and government and nonprofit assistance for housing are combined, there is still a 45 percent gap in resources for all households to meet the basic ALICE Threshold for housing.
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UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
As a result, there are large gaps in some budget areas. To estimate gaps in particular budget items, this analysis compares the total amount needed to fill each category of the Household Survival Budget for all families of four with the total income of all households below the ALICE Threshold plus the public and nonprofit spending earmarked for that category. This assumes that households allocate income according to its proportion in the budget. The gap or surplus in each budget area is presented below.
Gap in Child Care Resources In the Household Survival Budget for a family of four, child care accounts for 21 percent of the family budget. Yet for many ALICE households, 21 percent of income is not enough to pay for even home-based child care, the least expensive organized care option. Additional child care resources available to Louisiana families include $166 million in federal spending for Head Start, the program that helps children meet their basic needs or is necessary to enable their parents to work. Nonprofits provide additional child care assistance including vouchers and child care services estimated at $47 million. Combined, there is still a 46 percent gap in resources for all households to meet the basic ALICE Threshold for child care.
Gap in Food Resources In the Household Survival Budget for a family of four, food accounts for 14 percent of the family budget, yet for many ALICE households, 14 percent of their income is insufficient to afford even the USDA Thrifty Food Plan. Food assistance for Louisiana households includes $1.8 billion of federal spending on food programs, primarily SNAP (formerly food stamps), school breakfast and lunch programs, and the Special Supplemental Nutrition Program for Women, Infants, and Children (WIC). Nonprofits also provide food assistance – including food pantries, food banks, and soup kitchens – totaling approximately $47 million. Combined, there is only a 3 percent gap in resources for all households to meet the basic ALICE Threshold for food.
Gap in Transportation Resources In the Household Survival Budget for a family of four, transportation accounts for 13 percent of the family budget. Yet for many ALICE households, 13 percent of their income is not enough to afford even the running costs of a car. While Louisiana’s public transportation systems are state funded, there is no government spending on transportation targeted specifically to ALICE and poverty-level families. However, nonprofits provide some programs, spending an estimated $47 million. That leaves a 49 percent gap in resources for all households to meet the basic ALICE Threshold for transportation.
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Taxes In the Household Survival Budget for a family of four, taxes account for 7 percent of the family budget, so this analysis assumes that 7 percent of income is allocated towards taxes. The federal Earned Income Tax Credit (EITC) provides $1.4 billion in tax credits and refunds for Louisiana’s working families, and Louisiana EITC (worth 3.5 percent of the federal) provides an additional $49 million. Eligible households collected an average federal tax refund of $2,862, which helped 506,000 ALICE and poverty-level families (National Conference of State Legislatures, 2016; Internal Revenue Service (IRS), 2014). With this assistance, there is no gap in resources for all households to meet the basic ALICE Threshold for taxes.
The Special Case of Health Care Health care resources are separated from other government and nonprofit spending because they account for the largest single source of assistance to low-income households: $7.4 billion, or 59 percent of all spending in Louisiana. Health care spending includes federal grants for Medicaid, CHIP, and Hospital Charity Care; state matching grants for Medicaid, CHIP, and Medicare Part D Clawback Payments; and the cost of unreimbursed or unpaid services provided by Louisiana hospitals (Office of Management and Budget, 2014; National Association of State Budget Officers, 2014; Urban Institute, 2012).
9
With the increasing cost of health care and the implementation of the Affordable Care Act (ACA), spending on health care has increased more than any other category. For this reason, public and nonprofit spending on health care in Louisiana surpasses the amount needed for each household to afford basic out-of-pocket health care expenses. However, even this level of assistance does not necessarily guarantee good or improved health to low-income Louisiana households.
There are special challenges for estimating health care needs and costs, and delivering health care efficiently to 723,077 struggling Louisianans. First, there is greater variation in the amount of money families need for health care than exists in any other single category. An uninsured (or even an insured) household with a severe and sudden illness could be burdened with hundreds of thousands of dollars in medical bills in a single year, while a healthy household would have few expenses. National research has shown that a small proportion of households facing severe illness or injury account for more than half of all health care expenses, and those expenses can vary greatly from year to year (Silletti, 2005; Culhane, Park, & Metraux, 2011; U.S. Department of Housing and Urban Development (HUD), 2010). The difference between health care spending and other types of assistance is also obvious in the average amount of spending per household below the ALICE Threshold. In Louisiana, on average, each household received $10,190 in health care resources from the government and hospitals in 2014. By comparison, the average benefit to these households from other types of federal, state, and local government and nonprofit assistance – excluding health care – was $7,076 per household. Combining the two categories, the average household below the ALICE Threshold received a total of $17,226 in cash and services, shared by all members of the household and spread throughout the year (Office of Management and Budget, 2014; American Community Survey, 2007, 2010, 2012, and 2014; National Association of State Budget Officers, 2014; Urban Institute, 2012).
10
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
To put the amount of per-household spending in perspective, most Louisiana residents, including those well above the ALICE Threshold receive some form of assistance. For example, households with income between $100,000 and $200,000 receive an average of $7,970 as a home mortgage interest deduction and $2,067 in real estate tax deductions; households with income above $1 million receive an average of $18,193 as a home mortgage interest deduction and $11,671 in real estate tax deductions (Internal Revenue Service, 2014).
BIBLIOGRAPHY Allard, S. W., Danziger, S., & Wathe, M. (2012). Policy Brief. National Poverty Center. Retrieved from http://www.npc.umich.edu/publications/policy_briefs/brief31/ PolicyBrief31.pdf
Lusardi, A., Schneider, D., & Tufano, P. (2011). Financially Fragile Households:Evidence and Implications. Retrieved from https://www.brookings.edu/wp-content/uploads/2011/03/ 2011a_bpea_lusardi.pdf
American Community Survey. (2007, 2010, 2012, and 2014). 2007, 2010, 2012, and 2014; 1-, 3-, and 5-Year Estimates. Retrieved from U.S. Census Bureau: http://factfinder2.census.gov/faces/nav/jsf/pages/searchresults. xhtml?refresh=t
National Association of State Budget Officers. (2014). State Expenditure Report: Examining Fiscal 2012-2014 State Spending. Retrieved from https://higherlogicdownload.s3.amazonaws.com/NASBO/9d2d2db1c943-4f1b-b750-0fca152d64c2/UploadedImages/SER%20Archive/ State%20Expenditure%20Report%20Fiscal%202012%202014%20S.pdf
Ben-Shalom, Y., Moffitt, R., & Scholz, J. (2012). An Assessment of the Effectiveness of Anti-Poverty Programs in the United States. (Chapter 22). Retrieved from http://www.irp.wisc.edu/publications/dps/pdfs/dp139211.pdf Care Solutions. (2015). Louisiana Child CareMarket Rate Survey 2014. Retrieved from https://www.louisianabelieves.com/docs/default-source/ early-childhood/louisiana-child-care-market-rate-survey---2014. pdf?sfvrsn=4 Collins, M., & Gjertson, L. (2013). Emergency savings for low-income consumers. Focus, 12. Retrieved from http://www.irp.wisc.edu/publications/focus/pdfs/foc301.pdf Consumer and Community Development Research Section of the Federal Reserve Board’s Division of Consumer and Community Affairs (DCCA). (2015). Report on the Economic Well-Being of U.S. Households in 2014. Retrieved from https://www.federalreserve.gov/econresdata/2014-report-economicwell-being-us-households-201505.pdf Culhane, D. P., Park, J. M., & Metraux, S. (2011). The Patterns and Costs of Services Use among Homeless Families. Journal of Community Psychology(39), 815–825. doi:10.1002/jcop.20473 Haskins, R. (2011, June). Fighting Poverty the American Way. Retrieved from http://www.brookings.edu/~/media/research/files/ papers/2011/6/20%20fighting%20poverty%20haskins/ 0620_fighting_poverty_haskins.pdf
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Internal Revenue Service (IRS). (2014). Statistics for Tax Returns with EITC for 2014 Retuns. Retrieved from https://www.eitc.irs.gov/EITC-Central/eitcstats Louisiana Department of Family and Child Services. (2016). Supplemental Nutrition Assistance Program. Retrieved from http://www.dss.state.la.us/index.cfm?md=pagebuilder& tmp=home&nid=34&pnid=7&pid=93&catid=0 Louisiana Department of Revenue. (2007, 2010, 2014). Resident Income Tax: IT-540 Forms and Instructions. Retrieved from http://revenue.louisiana.gov/TaxForms/IT540%282010%29.%20INST.pdf; http://revenue.louisiana.gov/TaxForms/IT540i(2014)F.pdf; http://revenue.louisiana.gov/TaxForms/it540%281_07%29f.pdf
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National Conference of State Legislatures. (2016). Tax Credits for Working Families: Earned Income Tax Credit (EITC). Retrieved from http://www.ncsl.org/research/labor-and-employment/ earned-income-tax-credits-for-working-families.aspx National Conference of State Legislatures. (October 2011). State Policies to Counteract the Cliff Effect in Public Programs: Summary Prepared by National Conference of State Legislatures. Retrieved from http://www.legis.nd.gov/files/committees/64-2014%20 appendices/17_9066_01000appendixb.pdf Office of Management and Budget. (2014). Fiscal Year 2015 Analytical Perspectives Budget of the U.S. Government. Retrieved from http://www.gpo.gov/fdsys/pkg/BUDGET-2015-PER/pdf/ BUDGET-2015-PER.pdf Shaefer, H. L., & Edin, K. (2013, May). Rising Extreme Poverty in the United States and the Response of Federal Means-Tested Transfer Programs. (Working Paper #13-06). Retrieved from http://www.npc.umich.edu/publications/working_papers/ ?publication_id=255& Silletti, L. (2005, June). The Costs and Benefits of Supportive Housing. Center for Urban Initiatives and Research, University of Wisconsin-Milwaukee. Retrieved from http://www.metropolisstrategies.org/documents/ CostsandBenefitsofSupportiveHousing-areview.pdf U.S. Department of Health & Human Services. (2014). Poverty Guidelines. Retrieved from https://aspe.hhs.gov/prior-hhs-poverty-guidelines-andfederal-register-references U.S. Department of Housing and Urban Development (HUD). (2010, March). Costs Associated with First-Time Homelessness for Families and Individuals. Retrieved from http://www.huduser.org/publications/pdf/Costs_Homeless.pdf Urban Institute. (2012). NCCS Data Web Report Builder, Statistics of Income 990EZc3 Report and 990 c3 Report. Retrieved from National Center for Charitable Statistics: http://nccs.urban.org/NCCS-Databases-and-Tools.cfm
LOUISIANA PARISH PAGES The following section presents a snapshot of ALICE in each of Louisiana’s 64 parishes, including the number and percent of households by income, the Household Survival Budget, household types that are struggling, savings and assets, and data for each municipality in the parish (where available). Because state averages often smooth over local variation, these parish pages are crucial to understanding the unique combination of demographic and economic circumstances in each parish in Louisiana. The map below provides a broad view of ALICE and poverty-level households in Louisiana.
West Carroll Morehouse 51% 53%
Bossier Lincoln 31% Webster 52% 46% Ouachita Richland Caddo 45% 42% 48% Bienville Jackson 49% 45% De Soto Red River 48% 43% Natchitoches 54% Sabine 48%
Vernon 37%
Winn 52%
Grant 49%
Rapides 45%
Caldwell 45%
East Carroll 67%
Madison 64%
Franklin 51% Tensas 59%
Catahoula 47%
La Salle 38%
Concordia 52%
Avoyelles 52%
East Feliciana 45% East Baton Rouge 39%
West St Helena Washington Feliciana 47% 55% 46% Evangeline Tangipahoa Beauregard Pointe 50% Allen 48% Coupee 39% St Landry 39% 50% 60% West Baton Livingston Rouge St Tammany 28% 34% 32% Jefferson Acadia Calcasieu St Martin Iberville Ascension 44% Davis Lafayette 43% 43% 29% St John 44% 44% St Bernard 32% Orleans The Baptist 47% St James 40% 52% Iberia 35% Cameron St Charles Assumption 37% Vermilion 25% 34% 39% 36% St Mary 40% Lafourche 45% Terrebonne 39% Jefferson Plaquemines 34% 39%
Percent Households Below ALICE Threshold 25%
67%
Source: American Community Survey, 2014, and the ALICE Threshold, 2014
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UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Union 46%
Claiborne 52%
Louisiana Parishes, 2014 Total HH
% ALICE & Poverty
Total HH
% ALICE & Poverty
Acadia
22,788
44%
Madison
4,035
64%
Allen
8,108
50%
Morehouse
10,383
53%
Ascension
41,433
29%
Natchitoches
14,598
54%
Assumption
8,726
39%
Orleans
152,788
52%
Avoyelles
15,107
52%
Ouachita
57,766
45%
Beauregard
13,095
39%
Plaquemines
8,772
34%
Bienville
5,888
49%
Pointe Coupee
8,888
39%
Bossier
47,072
31%
Rapides
46,738
45%
Caddo
94,854
48%
Red River
3,382
48%
Calcasieu
73,873
43%
Richland
7,676
42%
Caldwell
3,851
45%
Sabine
9,174
48%
Cameron
2,577
25%
St Bernard
14,051
47%
Catahoula
3,786
47%
St Charles
18,421
34%
Claiborne
5,677
52%
St Helena
4,155
47%
Concordia
7,767
52%
St James
7,925
35%
De Soto
10,172
43%
St John The Baptist
15,444
40%
East Baton Rouge
170,572
39%
St Landry
28,739
60%
East Carroll
2,592
67%
St Martin
18,834
43%
East Feliciana
6,909
45%
St Mary
20,183
40%
Evangeline
12,053
50%
St Tammany
88,123
32%
Franklin
7,748
51%
Tangipahoa
45,786
48%
Grant
7,204
49%
Tensas
1,936
59%
Iberia
25,855
37%
Terrebonne
39,975
39%
Iberville
11,257
44%
Union
8,712
46%
Jackson
6,166
45%
Vermilion
21,623
36%
Jefferson
169,033
39%
Vernon
18,112
37%
Jefferson Davis
11,553
44%
Washington
17,589
55%
Lafayette
88,611
32%
Webster
15,831
46%
Lafourche
34,564
45%
West Baton Rouge
9,030
34%
La Salle
5,715
38%
West Carroll
4,216
51%
Lincoln
17,060
52%
West Feliciana
3,976
46%
Livingston
48,943
28%
Winn
5,371
52%
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Parish
13
Louisiana Parishes, 2014 Parish
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
14
ALICE IN ACADIA PARISH 2014 Point-in-Time Data
Population: 62,031 | Number of Households: 22,788 Median Household Income: $37,684 (state average: $44,555) Unemployment Rate: 9.4% (state average: 7.5%) ALICE Households: 23% (state average: 23%); Poverty Households: 21% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
15
Households by Income, 2007 to 2014 220011
23,000
100% 90%
22,500
80% 55%
70%
57%
54%
56% 22,000
60% 21,500
50% 40% 21%
30%
25%
23%
20%
21%
21%
2010
2012
2014
23%
20%
20,500
24%
10%
21,000
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
20,000
0% 2007 Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Acadia Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$492
$637
Child Care
$–
$694
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$123
$326
Taxes
Monthly Costs
$92
$214
Monthly Total
$1,351
$3,586
ANNUAL TOTAL
$16,212
$43,032
Hourly Wage
$8.11
$21.52
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Acadia Parish families with children live below the ALICE Threshold. Though more Acadia Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220012 4,500
4,266
90%
4,000
22%
80%
50%
59%
17%
2,500 2,000 13%
61%
30%
Church Point
1,722
61%
Crowley
4,832
55%
Egan
174
3%
Estherwood
285
29%
Iota
736
49%
Mermentau
283
50%
Morse
312
47%
Rayne
3,173
53%
1,500 1,000
20%
0%
3,000
2,278
89%
40%
10%
% ALICE & Poverty
3,500
70% 60%
Total HH
Town
Total Households
Percent of Families with Children
100%
Acadia Parish, 2014
28%
430
6% 5%
500 0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220013
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
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UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Acadia Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ALLEN PARISH 2014 Point-in-Time Data
Population: 25,691 | Number of Households: 8,108 Median Household Income: $39,440 (state average: $44,555) Unemployment Rate: 7.5% (state average: 7.5%) ALICE Households: 33% (state average: 23%); Poverty Households: 17% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
17
Households by Income, 2007 to 2014 220031
100%
8,500
90%
8,400 8,300 52%
70%
52%
51%
50%
8,200
60%
8,100
50%
8,000 7,900
40% 26%
30%
29%
32%
33%
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
7,800 7,700
20% 22%
19%
17%
17%
2007
2010
2012
2014
10%
7,600 7,500
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Allen Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$637
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$341
Taxes
Monthly Costs
$94
$238
Monthly Total
$1,363
$3,754
ANNUAL TOTAL
$16,356
$45,048
Hourly Wage
$8.18
$22.52
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Allen Parish families with children live below the ALICE Threshold. Though more Allen Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Allen Parish, 2014 Town Elizabeth
Total HH
% ALICE & Poverty
190
62%
Kinder
1,113
64%
Oakdale
2,126
58%
Oberlin
686
48%
220032 1,800
1,660
90%
1,600
24%
80% 70%
1,400
52% 66%
1,200
19%
60%
1,000
50%
40%
572
30% 20% 10% 0%
800
17%
600
57% 24% 31%
281
Total Households
Percent of Families with Children
100%
400 200
10%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220033
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
18
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Allen Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ASCENSION PARISH 2014 Point-in-Time Data
Population: 117,029 | Number of Households: 41,433 Median Household Income: $66,576 (state average: $44,555) Unemployment Rate: 5.9% (state average: 7.5%) ALICE Households: 18% (state average: 23%); Poverty Households: 11% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
19
Households by Income, 2007 to 2014 220051
100%
42,000
90%
41,000
80%
40,000
70%
68%
69%
60%
39,000 70%
71%
38,000
50%
37,000
40%
36,000
30%
35,000 21%
18%
18%
18%
11%
13%
12%
11%
2007
2010
2012
2014
20% 10%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
34,000 33,000 32,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Ascension Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$550
$799
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$362
Taxes
Monthly Costs
$108
$286
Monthly Total
$1,432
$3,985
ANNUAL TOTAL
$17,184
$47,820
Hourly Wage
$8.59
$23.91
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Ascension Parish families with children live below the ALICE Threshold. Though more Ascension Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
56%
3,986
39%
122
59%
9,576
18%
652
40%
Sorrento
29%
10,000 51%
70%
8,000 20% 91%
6,000
40%
3,590
30%
4,000 43%
51%
20%
1,323 6% 3%
6%
Married
Single FemaleHeaded Poverty
Total Households
Percent of Families with Children
2,515
Gonzales
12,000
80%
0%
Donaldsonville
10,590
90%
10%
% ALICE & Poverty
Prairieville
100%
50%
Total HH
Town
Lemannville
220052
60%
Ascension Parish, 2014
2,000 0
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220053
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
10%
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
20
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Ascension Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ASSUMPTION PARISH 2014 Point-in-Time Data
Population: 23,170 | Number of Households: 8,726 Median Household Income: $47,961 (state average: $44,555) Unemployment Rate: 11.3% (state average: 7.5%) ALICE Households: 23% (state average: 23%); Poverty Households: 16% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
21
Households by Income, 2007 to 2014 220071
8,900
100% 90%
8,800
80% 70%
60%
64%
60%
61%
60%
8,700 8,600
50% 8,500
40% 18%
30%
22%
23%
15%
18%
16%
2010
2012
2014
21%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
8,400
20% 8,300
22%
10%
8,200
0% 2007 Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Assumption Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$516
$656
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$126
$344
Taxes
Monthly Costs
$99
$243
Monthly Total
$1,385
$3,781
ANNUAL TOTAL
$16,620
$45,372
Hourly Wage
$8.31
$22.69
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Assumption Parish families with children live below the ALICE Threshold. Though more Assumption Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220072 1,800 1,569
90%
18%
70% 60%
1,200 12%
1,000
50%
800
40%
552
30%
600
55%
55%
20%
249
10%
15%
0%
5%
Bayou Corne
103
16%
Bayou L’Ourse
558
39%
Belle Rose
655
67%
Labadieville
722
34%
Napoleonville
212
53%
Paincourtville
398
18%
1,214
22%
325
67%
Supreme
1,400
27% 80%
% ALICE & Poverty
Pierre Part
1,600
33%
80%
Total HH
Town
Total Households
Percent of Families with Children
100%
Assumption Parish, 2014
400 200 0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220073
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70% With Mortgage
60% 50%
2 Vehicles
40%
30% 20% 10%
No Mortgage 1 Vehicle
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
22
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Assumption Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN AVOYELLES PARISH 2014 Point-in-Time Data
Population: 41,604 | Number of Households: 15,107 Median Household Income: $33,781 (state average: $44,555) Unemployment Rate: 10.2% (state average: 7.5%) ALICE Households: 29% (state average: 23%); Poverty Households: 23% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
23
Households by Income, 2007 to 2014 220091
100%
15,800
90%
15,700
52%
70%
59%
56%
48%
15,600 15,500
60%
15,400
50%
15,300
40%
21% 20%
30%
22%
29%
15,200
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
15,100 15,000
20%
27%
10%
21%
22%
23%
2010
2012
2014
14,900 14,800
0% 2007 Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Avoyelles Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$451
$665
Child Care
$–
$737
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$117
$334
Taxes
Monthly Costs
$81
$226
Monthly Total
$1,293
$3,677
ANNUAL TOTAL
$15,516
$44,124
Hourly Wage
$7.76
$22.06
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Avoyelles Parish families with children live below the ALICE Threshold. Though more Avoyelles Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220092 3,000 2,651
90%
16%
80%
27%
14%
60%
2,000
73% 36%
50%
40%
70%
30% 20% 10% 0%
1,500
1,293
1,000
16%
37%
379
11%
Bordelonville
Total HH
% ALICE & Poverty
344
56%
1,614
65%
Center Point
116
38%
Cottonport
674
60%
Evergreen
149
68%
Fifth Ward
371
60%
Hessmer
391
51%
Mansura
605
68%
2,019
63%
Moreauville
408
59%
Simmesport
598
66%
Bunkie
Marksville
2,500
70%
Town
Total Households
Percent of Families with Children
100%
Avoyelles Parish, 2014
500 0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220093
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
24
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Avoyelles Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN BEAUREGARD PARISH 2014 Point-in-Time Data
Population: 36,109 | Number of Households: 13,095 Median Household Income: $46,420 (state average: $44,555) Unemployment Rate: 6.7% (state average: 7.5%) ALICE Households: 22% (state average: 23%); Poverty Households: 17% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
25
Households by Income, 2007 to 2014 220111
13,150
100% 90%
13,100
80%
13,050
70%
63%
66%
63%
61% 13,000
60%
12,950
50% 40%
12,900
30% 19%
23%
20%
22%
15%
14%
17%
17%
2007
2010
2012
2014
20% 10%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
12,850 12,800 12,750
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Beauregard Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$543
$672
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$129
$346
Taxes
Monthly Costs
$106
$248
Monthly Total
$1,422
$3,804
ANNUAL TOTAL
$17,064
$45,648
Hourly Wage
$8.53
$22.82
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Beauregard Parish families with children live below the ALICE Threshold. Though more Beauregard Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220112
DeRidder
3,875
43%
Longville
286
51%
Merryville
443
65%
Oretta
133
42%
Singer
190
26%
12%
2,946
3,000
80% 55%
33%
70%
2,500
85%
2,000
50% 1,500
6%
40% 30%
983
55%
1,000
20%
0%
% ALICE & Poverty
39% 5%
342
10%
Total Households
Percent of Families with Children
90%
10%
Total HH
Town
3,500
100%
60%
Beauregard Parish, 2014
500 0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220113
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
With Mortgage 2 Vehicles
40%
30% 20% 10%
1 Vehicle
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
26
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Beauregard Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN BIENVILLE PARISH 2014 Point-in-Time Data
Population: 14,122 | Number of Households: 5,888 Median Household Income: $32,826 (state average: $44,555) Unemployment Rate: 10.9% (state average: 7.5%) ALICE Households: 22% (state average: 23%); Poverty Households: 27% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
27
Households by Income, 2007 to 2014 220131
6,000
100% 90%
5,900
80% 55%
70%
53%
51% 5,800
60% 5,700
50%
40%
19%
22%
25%
28%
27%
2010
2012
2014
20%
30% 20%
10%
5,600
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
5,500
N/A 5,400
0%
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Bienville Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$637
Child Care
$–
$764
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$334
Taxes
Monthly Costs
$94
$228
Monthly Total
$1,363
$3,678
ANNUAL TOTAL
$16,356
$44,136
Hourly Wage
$8.18
$22.07
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Bienville Parish families with children live below the ALICE Threshold. More families are headed by single parents than married parents in Bienville Parish, and single parent families are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220132
90%
38%
570
500
85%
50%
92%
40%
400
32%
300
30%
157
20%
0%
1,147
66%
Gibsland
436
60%
Lucky
106
52%
Ringgold
639
69%
Saline
124
43%
600
70%
10%
% ALICE & Poverty
700
80%
60%
Arcadia
Total HH
800
8%
713
Town
30%
3%
Total Households
Percent of Families with Children
100%
Bienville Parish, 2014
200 100
12%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220133
100%
Percent of Households
90% 80% 70%
4+ Vehicles 3 Vehicles
60% 50%
With Mortgage 2 Vehicles
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
28
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Bienville Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN BOSSIER PARISH 2014 Point-in-Time Data
Population: 125,064 | Number of Households: 47,072 Median Household Income: $50,704 (state average: $44,555) Unemployment Rate: 7.1% (state average: 7.5%) ALICE Households: 17% (state average: 23%); Poverty Households: 14% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
29
Households by Income, 2007 to 2014 220151
48,000
100% 90%
70%
63%
70%
60%
70%
69%
44,000
42,000
50% 40%
40,000
30%
23%
16%
20%
10%
19%
17%
Total Households
46,000
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
38,000
14%
14%
11%
14%
2007
2010
2012
2014
36,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Bossier Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$543
$757
Child Care
$–
$764
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$129
$350
Taxes
Monthly Costs
$106
$261
Monthly Total
$1,422
$3,847
ANNUAL TOTAL
$17,064
$46,164
Hourly Wage
$8.53
$23.08
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Bossier Parish families with children live below the ALICE Threshold. Though more Bossier Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
35%
660
44%
Bossier City
24,869
31%
Eastwood
1,531
20%
Haughton
1,312
37%
353
56%
2,480
24%
8,000 7,000
68%
6,000
17%
90%
5,000 3,898
40%
4,000 1%
30%
3,000
48%
20%
0%
% ALICE & Poverty
9,000
70%
10%
Total HH
31%
1,270
Total Households
Percent of Families with Children
8,636
80%
50%
Benton
Red Chute
10,000
100%
60%
Town
Plain Dealing
220152
90%
Bossier Parish, 2014
2,000 1,000
3% 7%
0
Married
Single FemaleHeaded Poverty
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220153
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles With Mortgage
40%
30% 20%
1 Vehicle No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
30
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Bossier Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN CADDO PARISH 2014 Point-in-Time Data
Population: 252,603 | Number of Households: 94,854 Median Household Income: $39,315 (state average: $44,555) Unemployment Rate: 7.4% (state average: 7.5%) ALICE Households: 25% (state average: 23%); Poverty Households: 23% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
31
Households by Income, 2007 to 2014 220171
100%
100,000
90%
99,000 98,000
55%
57%
70%
59%
52%
97,000
60%
96,000
50%
95,000
40%
21%
30%
28%
25%
94,000
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
93,000
23%
92,000
20% 22%
10%
17%
18%
2010
2012
23%
91,000 90,000
0% 2007 Poverty
ALICE
Above AT
2014 Total HH
Household Survival Budget, Caddo Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$543
$757
Child Care
$–
$764
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$129
$350
Taxes
Monthly Costs
$106
$261
Monthly Total
$1,422
$3,847
ANNUAL TOTAL
$17,064
$46,164
Hourly Wage
$8.53
$23.08
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Caddo Parish families with children live below the ALICE Threshold. More families are headed by single parents than married parents in Caddo Parish, and single parent families are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220172 12,000 10,372
90%
20%
10,543 10,000
80%
17%
70% 60%
59%
8,000
84% 6,000
50%
40% 63%
30%
21%
20% 10% 0%
4,000
Total HH
% ALICE & Poverty
Blanchard
1,231
32%
Greenwood
1,530
46%
Hosston
127
64%
Ida
109
55%
Lakeview
485
45%
Mooringsport
349
64%
Oil City
341
73%
Rodessa
106
54%
Shreveport
74,512
49%
Vivian
1,675
64%
Town
Total Households
Percent of Families with Children
100%
Caddo Parish, 2014
2,445 2,000
7%
20%
9%
0
Married
Single FemaleHeaded Poverty
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220173
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles With Mortgage
40%
30% 20%
1 Vehicle No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
32
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Caddo Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN CALCASIEU PARISH 2014 Point-in-Time Data
Population: 197,204 | Number of Households: 73,873 Median Household Income: $45,742 (state average: $44,555) Unemployment Rate: 7.4% (state average: 7.5%) ALICE Households: 25% (state average: 23%); Poverty Households: 18% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
33
Households by Income, 2007 to 2014 220191
75,000
100% 90%
70%
59%
66%
62%
57%
74,000
60% 73,500
50% 40% 30%
23%
17%
21%
25%
20%
73,000
Total Households
74,500
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
72,500
10%
17%
18%
17%
18%
2007
2010
2012
2014
72,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Calcasieu Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$549
$729
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$353
Taxes
Monthly Costs
$108
$264
Monthly Total
$1,431
$3,884
ANNUAL TOTAL
$17,172
$46,608
Hourly Wage
$8.59
$23.30
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Calcasieu Parish families with children live below the ALICE Threshold. Though more Calcasieu Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220192 16,000
90%
13,501
23%
14,000
80%
44%
70% 60%
10,000
81%
50% 5,732
6,000
66%
30% 20%
0%
8,000
17%
40%
10%
12,000
11%
Town
Total HH
% ALICE & Poverty
Carlyss
1,766
41%
DeQuincy
1,228
50%
Gillis
233
35%
Hayes
127
31%
Iowa
1,154
46%
Lake Charles
30,751
55%
Moss Bluff
4,187
26%
Prien
2,953
34%
Starks
264
69%
Sulphur
7,748
41%
Vinton
1,474
61%
Westlake
1,821
42%
4,000
39% 12%
Total Households
Percent of Families with Children
100%
Calcasieu Parish, 2014
1,166
7%
2,000 0
Married
Single FemaleHeaded Poverty
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220193
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60%
2 Vehicles
50%
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
34
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Calcasieu Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN CALDWELL PARISH 2014 Point-in-Time Data
Population: 10,008 | Number of Households: 3,851 Median Household Income: $36,792 (state average: $44,555) Unemployment Rate: 10.3% (state average: 7.5%) ALICE Households: 22% (state average: 23%); Poverty Households: 23% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
35
Households by Income, 2007 to 2014 220211
4,000
100% 90%
3,900
80% 59%
70%
62%
55% 3,800
60% 3,700
50%
40% 30%
22%
19%
16%
22%
22%
23%
2010
2012
2014
20%
3,600
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
3,500
10%
N/A
3,400
0%
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Caldwell Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$637
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$333
Taxes
Monthly Costs
$94
$223
Monthly Total
$1,363
$3,668
ANNUAL TOTAL
$16,356
$44,016
Hourly Wage
$8.18
$22.01
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Caldwell Parish families with children live below the ALICE Threshold. Though more Caldwell Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Caldwell Parish, 2014 Total HH
% ALICE & Poverty
Banks Springs
522
77%
Clarks
203
70%
Columbia
181
48%
Grayson
206
48%
Town
220212 1%
90%
700
577
500
70% 60%
50%
600
33%
80%
4% 400
91%
99%
40%
300
237
63%
30%
133
20%
10% 0%
200
Total Households
Percent of Families with Children
100%
100 9%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220213
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
36
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Caldwell Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN CAMERON PARISH 2014 Point-in-Time Data
Population: 6,713 | Number of Households: 2,577 Median Household Income: $64,129 (state average: $44,555) Unemployment Rate: 6.0% (state average: 7.5%) ALICE Households: 16% (state average: 23%); Poverty Households: 9% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
37
Households by Income, 2007 to 2014 220231
2,700
100% 90%
2,650
80%
2,600
70% 71%
60%
74%
75%
2,550 2,500
50% 40%
2,450
30%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
2,400
20%
18%
10%
N/A
16%
16%
11%
10%
9%
2010
2012
2014
0% Poverty
ALICE
Above AT
2,350 2,300
Total HH
Household Survival Budget, Cameron Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$549
$729
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$353
Taxes
Monthly Costs
$108
$264
Monthly Total
$1,431
$3,884
ANNUAL TOTAL
$17,172
$46,608
Hourly Wage
$8.59
$23.30
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Cameron Parish families with children live below the ALICE Threshold. Though more Cameron Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Cameron Parish, 2014 Total HH
% ALICE & Poverty
Cameron
137
12%
Hackberry
494
32%
Town
220232 800 714
90%
700
80%
600
70% 60% 50%
500 90%
400
40%
300
30%
200
20%
10% 0%
Total Households
Percent of Families with Children
100%
100 7% 3%
N/A
N/A
Married
Single FemaleHeaded
Single MaleHeaded
Poverty
ALICE
Above AT
0
Total HH
What assets do households have?
Assets, All Households, 2014 100%
Percent of Households
90% 80%
220233
4+ Vehicles 3 Vehicles With Mortgage
70%
60% 50%
2 Vehicles
40%
30% 20% 10%
No Mortgage 1 Vehicle
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
38
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Cameron Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN CATAHOULA PARISH 2014 Point-in-Time Data
Population: 10,273 | Number of Households: 3,786 Median Household Income: $35,093 (state average: $44,555) Unemployment Rate: 9.1% (state average: 7.5%) ALICE Households: 24% (state average: 23%); Poverty Households: 23% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
39
Households by Income, 2007 to 2014 220251
100%
3,800
90%
3,790
3,780 58%
70%
58%
53%
3,770
60%
3,760
50%
3,750
3,740
40% 19%
30%
20%
24%
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
3,730 3,720
20%
10%
N/A
23%
22%
23%
2010
2012
2014
3,710 3,700
0%
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Catahoula Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$637
Child Care
$–
$737
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$331
Taxes
Monthly Costs
$94
$218
Monthly Total
$1,363
$3,638
ANNUAL TOTAL
$16,356
$43,656
Hourly Wage
$8.18
$21.83
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Catahoula Parish families with children live below the ALICE Threshold. Though more Catahoula Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Catahoula Parish, 2014 Total HH
% ALICE & Poverty
Harrisonburg
161
59%
Jonesville
792
66%
Sicily Island
159
66%
Wallace Ridge
109
31%
Town
220252
90%
800
3%
720
700
80%
600
70% 60%
500
78%
50%
400
97%
40%
300
30% 20%
10%
173
Total Households
Percent of Families with Children
100%
200
9%
100
13%
N/A
0% Married
Single FemaleHeaded Poverty
ALICE
0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220253
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60%
2 Vehicles
With Mortgage
50% 40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
40
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Catahoula Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN CLAIBORNE PARISH 2014 Point-in-Time Data
Population: 16,817 | Number of Households: 5,677 Median Household Income: $34,216 (state average: $44,555) Unemployment Rate: 16.0% (state average: 7.5%) ALICE Households: 27% (state average: 23%); Poverty Households: 25% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
41
Households by Income, 2007 to 2014 220271
6,000
100% 90%
5,900 49%
70%
51%
48%
5,800
60% 5,700
50% 40%
25%
24%
27%
26%
25%
25%
2010
2012
2014
30% 20%
10%
5,600
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
5,500
N/A 5,400
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Claiborne Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$637
Child Care
$–
$764
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$334
Taxes
Monthly Costs
$94
$228
Monthly Total
$1,363
$3,678
ANNUAL TOTAL
$16,356
$44,136
Hourly Wage
$8.18
$22.07
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Claiborne Parish families with children live below the ALICE Threshold. More families are headed by single parents than married parents in Claiborne Parish, and single parent families are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Claiborne Parish, 2014 Town Athens
Total HH
% ALICE & Poverty
125
48%
Haynesville
1,021
58%
Homer
1,145
50%
220272
90%
600
6% 1%
536
486
80% 70%
500 53%
66%
400
60% 50%
300
93%
40% 30%
26%
200
13%
122
20% 10%
Total Households
Percent of Families with Children
100%
100
21%
21% 0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220273
100%
Percent of Households
90% 80% 70%
4+ Vehicles 3 Vehicles
60% 50%
With Mortgage 2 Vehicles
40%
30% 20%
No Mortgage 1 Vehicle
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
42
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Claiborne Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN CONCORDIA PARISH 2014 Point-in-Time Data
Population: 20,609 | Number of Households: 7,767 Median Household Income: $29,824 (state average: $44,555) Unemployment Rate: 16.5% (state average: 7.5%) ALICE Households: 22% (state average: 23%); Poverty Households: 30% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
43
Households by Income, 2007 to 2014 220291
8,000
100% 90%
7,950
50%
70%
52%
48%
60%
7,900 7,850
50%
18%
40%
22%
22%
30%
7,800
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
7,750
20%
32%
10%
26%
30%
7,700
N/A 7,650
0% 2010 Poverty
ALICE
2012 Above AT
2014 Total HH
Household Survival Budget, Concordia Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$468
$637
Child Care
$–
$737
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$120
$331
Taxes
Monthly Costs
$85
$218
Monthly Total
$1,317
$3,638
ANNUAL TOTAL
$15,804
$43,656
Hourly Wage
$7.90
$21.83
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Concordia Parish families with children live below the ALICE Threshold. More families are headed by single parents than married parents in Concordia Parish, and single parent families are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220292 1,200
1,127
90%
19%
80%
4%
70% 60%
1,022
24%
800 39% 600
50%
30% 20% 10%
77%
400
6%
% ALICE & Poverty
Clayton
272
63%
Ferriday
1,270
65%
Minorca
670
46%
Monterey
188
43%
Ridgecrest
296
50%
Spokane
175
21%
1,687
42%
Vidalia
1,000
71%
40%
Total HH
Town
Total Households
Percent of Families with Children
100%
Concordia Parish, 2014
237 37%
200
23%
0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220293
100%
Percent of Households
90% 80%
4+ Vehicles
3 Vehicles
70%
60% 50%
2 Vehicles With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
44
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Concordia Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN DE SOTO PARISH 2014 Point-in-Time Data
Population: 26,968 | Number of Households: 10,172 Median Household Income: $41,486 (state average: $44,555) Unemployment Rate: 8.9% (state average: 7.5%) ALICE Households: 20% (state average: 23%); Poverty Households: 23% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
45
Households by Income, 2007 to 2014 220311
100% 10,300
90% 80% 55%
58%
70%
10,100
57%
57% 9,900
60% 50%
9,700
40% 18%
30%
25%
20%
20%
20%
23%
23%
2010
2012
2014
20% 24%
10%
9,500
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
9,300
9,100
0% 2007 Poverty
ALICE
Above AT
Total HH
Household Survival Budget, De Soto Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$543
$757
Child Care
$–
$764
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$129
$350
Taxes
Monthly Costs
$106
$261
Monthly Total
$1,422
$3,847
ANNUAL TOTAL
$17,064
$46,164
Hourly Wage
$8.53
$23.08
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many De Soto Parish families with children live below the ALICE Threshold. Though more De Soto Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 15%
90% 80%
60%
1,266
84%
1,000
50%
40%
0%
800
33%
600
66%
60%
117
34%
Keachi
118
45%
Logansport
718
60%
1,771
55%
South Mansfield
205
75%
Stonewall
743
29%
400
20% 10%
119
Grand Cane
1,400
44%
1,200
30%
Frierson
1,600
19%
70%
% ALICE & Poverty
Total Households
Percent of Families with Children
1,800
1,672
Total HH
Town
Mansfield
220312 100%
De Soto Parish, 2014
4%
23%
12%
196
200 0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220313
100%
Percent of Households
90% 80% 70%
4+ Vehicles 3 Vehicles
60% 50%
With Mortgage 2 Vehicles
40%
30% 20% 10%
1 Vehicle
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
46
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in De Soto Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN EAST BATON ROUGE PARISH 2014 Point-in-Time Data
Population: 446,042 | Number of Households: 170,572 Median Household Income: $46,778 (state average: $44,555) Unemployment Rate: 6.5% (state average: 7.5%) ALICE Households: 22% (state average: 23%); Poverty Households: 17% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
47
Households by Income, 2007 to 2014 220331
171,000
100% 90%
170,000
80%
169,000
59%
70%
62%
63%
61% 168,000
60%
167,000
50% 40%
166,000
30%
24%
22%
19%
22%
17%
16%
18%
17%
2007
2010
2012
2014
20% 10%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
165,000 164,000 163,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, East Baton Rouge Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$550
$799
Child Care
$–
$905
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$374
Taxes
Monthly Costs
$108
$318
Monthly Total
$1,432
$4,111
ANNUAL TOTAL
$17,184
$49,332
Hourly Wage
$8.59
$24.67
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many East Baton Rouge Parish families with children live below the ALICE Threshold. Though more East Baton Rouge Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220332 25,000
23,247
90%
31%
80%
39%
20,000
70% 60%
14,720
15,000
24%
87%
50%
40%
10,000
45%
30% 45%
20% 10% 0%
3,946
9% 4%
Total Households
Percent of Families with Children
100%
East Baton Rouge Parish, 2014 Total HH
% ALICE & Poverty
Baker
4,828
43%
Baton Rouge
91,034
49%
Brownfields
2,027
30%
Central
10,097
24%
Gardere
3,506
47%
Inniswold
2,781
26%
Merrydale
3,234
41%
Monticello
1,957
27%
Oak Hills Place
3,680
19%
Old Jefferson
2,833
19%
Shenandoah
7,339
11%
Village St. George
2,717
21%
Westminster
1,356
19%
Zachary
5,119
24%
Town
5,000
16% 0
Married
Single FemaleHeaded Poverty
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220333
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60%
2 Vehicles
50% 40%
With Mortgage
30% 20%
1 Vehicle
10%
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
48
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in East Baton Rouge Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN EAST CARROLL PARISH 2014 Point-in-Time Data
Population: 7,602 | Number of Households: 2,592 Median Household Income: $24,947 (state average: $44,555) Unemployment Rate: 18.2% (state average: 7.5%) ALICE Households: 27% (state average: 23%); Poverty Households: 40% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
49
Households by Income, 2007 to 2014 220351
2,700
100% 90% 38%
33%
70%
2,600
2,500
60% 50%
27%
27%
27%
2,400
40% 2,300
30% 20%
10%
36%
35%
2010
2012
40%
Total Households
37%
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
2,200
N/A 2,100
0% Poverty
ALICE
Above AT
2014 Total HH
Household Survival Budget, East Carroll Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$497
$637
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$123
$333
Taxes
Monthly Costs
$93
$223
Monthly Total
$1,357
$3,668
ANNUAL TOTAL
$16,284
$44,016
Hourly Wage
$8.14
$22.01
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many East Carroll Parish families with children live below the ALICE Threshold. More families are headed by single parents than married parents in East Carroll Parish, and single parent families are more likely to have income below the ALICE Threshold.
East Carroll Parish, 2014 Town Lake Providence
Total HH
% ALICE & Poverty
1,506
72%
Families with Children by Income, 2014 220352 450 387
90% 80%
43%
350
70%
300
271
60% 50% 40%
400
250
100%
200
38%
150
30%
100
20%
10%
Total Households
Percent of Families with Children
100%
50
19%
N/A
0% Married
Single FemaleHeaded Poverty
ALICE
0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220353
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles With Mortgage
40%
30% 20%
1 Vehicle
10%
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
50
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in East Carroll Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN EAST FELICIANA PARISH 2014 Point-in-Time Data
Population: 19,964 | Number of Households: 6,909 Median Household Income: $46,220 (state average: $44,555) Unemployment Rate: 6.5% (state average: 7.5%) ALICE Households: 27% (state average: 23%); Poverty Households: 18% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
51
Households by Income, 2007 to 2014 220371
6,950
100% 90%
6,900
80%
52%
70%
60%
55%
6,850
60% 6,800
50% 40% 27%
30%
23%
27%
20%
6,750
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
6,700
10%
21%
N/A
17%
18%
2012
2014
6,650
0% 2010 Poverty
ALICE
Above AT
Total HH
Household Survival Budget, East Feliciana Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$550
$799
Child Care
$–
$905
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$374
Taxes
Monthly Costs
$108
$318
Monthly Total
$1,432
$4,111
ANNUAL TOTAL
$17,184
$49,332
Hourly Wage
$8.59
$24.67
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many East Feliciana Parish families with children live below the ALICE Threshold. Though more East Feliciana Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220372
% ALICE & Poverty
Clinton
714
54%
Jackson
724
58%
Norwood
139
57%
Slaughter
414
19%
Wilson
198
60%
1,000
38%
70%
800
45%
85%
7%
591
50%
600
40% 400
30%
55%
20%
179
39% 5% 10%
Total Households
Percent of Families with Children
970
80%
0%
Total HH
16%
90%
10%
Town
1,200
100%
60%
East Feliciana Parish, 2014
200 0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220373
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
With Mortgage 2 Vehicles
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
52
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in East Feliciana Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN EVANGELINE PARISH 2014 Point-in-Time Data
Population: 33,778 | Number of Households: 12,053 Median Household Income: $30,323 (state average: $44,555) Unemployment Rate: 8.6% (state average: 7.5%) ALICE Households: 23% (state average: 23%); Poverty Households: 27% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
53
Households by Income, 2007 to 2014 220391
100%
13,000
90%
12,800
53%
70%
53%
50%
50%
12,600 12,400
60%
12,200
50% 12,000
40%
17%
27%
30%
24%
23%
11,800
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
11,600
20% 30%
10%
20%
26%
27%
2012
2014
11,400 11,200
0% 2007
2010
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Evangeline Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$468
$637
Child Care
$–
$694
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$120
$326
Taxes
Monthly Costs
$85
$214
Monthly Total
$1,317
$3,586
ANNUAL TOTAL
$15,804
$43,032
Hourly Wage
$7.90
$21.52
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Evangeline Parish families with children live below the ALICE Threshold. Though more Evangeline Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
20%
31%
80%
60%
81%
1,500
1,341 34%
50%
1,000
40% 64%
30% 20% 10%
35%
5%
% ALICE & Poverty
Basile
581
55%
Chataignier
169
50%
1,355
66%
Pine Prairie
333
48%
Reddell
285
29%
Turkey Creek
125
40%
2,796
68%
Ville Platte
2,000
16%
70%
Total HH
Total Households
Percent of Families with Children
2,500
2,254
90%
Town
Mamou
220392 100%
Evangeline Parish, 2014
500 204
14% 0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220393
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
54
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Evangeline Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN FRANKLIN PARISH 2014 Point-in-Time Data
Population: 20,645 | Number of Households: 7,748 Median Household Income: $30,607 (state average: $44,555) Unemployment Rate: 9.5% (state average: 7.5%) ALICE Households: 24% (state average: 23%); Poverty Households: 27% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
55
Households by Income, 2007 to 2014 220411
100%
8,000
90%
7,950 51%
70%
57%
48%
49%
7,900 7,850
60%
7,800
50% 7,750
40%
25%
21%
18%
30%
24% 7,700
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
7,650
20% 28%
25%
27%
27%
2007
2010
2012
2014
10%
7,600 7,550
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Franklin Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$468
$637
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$120
$333
Taxes
Monthly Costs
$85
$223
Monthly Total
$1,317
$3,668
ANNUAL TOTAL
$15,804
$44,016
Hourly Wage
$7.90
$22.01
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Franklin Parish families with children live below the ALICE Threshold. Though more Franklin Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Franklin Parish, 2014 Town
Total HH
% ALICE & Poverty
Baskin
122
48%
Gilbert
141
71%
1,865
67%
332
60%
Winnsboro Wisner
220412 1,142
1,200
8%
90% 80%
1,000
43%
70% 60%
800 79%
633
50%
11%
92%
40%
600 400
30% 20%
5%
10%
16%
46%
158
Total Households
Percent of Families with Children
100%
200 0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220413
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
56
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Franklin Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN GRANT PARISH 2014 Point-in-Time Data
Population: 22,363 | Number of Households: 7,204 Median Household Income: $39,729 (state average: $44,555) Unemployment Rate: 10.3% (state average: 7.5%) ALICE Households: 29% (state average: 23%); Poverty Households: 20% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
57
Households by Income, 2007 to 2014 220431
7,450
100% 90%
7,400 50%
70%
61%
51%
7,300
60%
7,250
50%
40% 31%
30%
29%
22%
N/A
7,200
7,150
20%
10%
7,350
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
17%
19%
20%
2010
2012
2014
7,100 7,050
0%
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Grant Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$530
$656
Child Care
$–
$737
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$128
$333
Taxes
Monthly Costs
$103
$224
Monthly Total
$1,405
$3,665
ANNUAL TOTAL
$16,860
$43,980
Hourly Wage
$8.43
$21.99
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Grant Parish families with children live below the ALICE Threshold. Though more Grant Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220432 1,228
90%
60%
71% 800
50%
626 600 69%
30% 20%
400
38%
22%
128
10% 0%
1,000
58%
40%
7%
4%
Married
Single FemaleHeaded Poverty
Total HH
% ALICE & Poverty
Colfax
569
69%
Dry Prong
167
33%
Georgetown
121
38%
Montgomery
283
53%
Pollock
168
58%
Prospect
161
33%
Rock Hill
108
47%
1,200
24%
80% 70%
1,400
7%
Town
ALICE
Total Households
Percent of Families with Children
100%
Grant Parish, 2014
200 0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220433
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
With Mortgage 2 Vehicles
40%
30% 20%
No Mortgage 1 Vehicle
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
58
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Grant Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN IBERIA PARISH 2014 Point-in-Time Data
Population: 73,913 | Number of Households: 25,855 Median Household Income: $46,290 (state average: $44,555) Unemployment Rate: 8.5% (state average: 7.5%) ALICE Households: 21% (state average: 23%); Poverty Households: 16% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
59
Households by Income, 2007 to 2014 220451
26,600
100% 90%
70%
60%
62%
62%
63%
26,200
60% 26,000
50% 40%
25,800
18%
19%
20%
21%
19%
16%
2007
2010
2012
2014
30%
19%
Total Households
26,400
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
21%
20%
25,600
10%
25,400
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Iberia Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$519
$707
Child Care
$–
$694
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$126
$335
Taxes
Monthly Costs
$99
$233
Monthly Total
$1,388
$3,684
ANNUAL TOTAL
$16,656
$44,208
Hourly Wage
$8.33
$22.10
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Iberia Parish families with children live below the ALICE Threshold. Though more Iberia Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Iberia Parish, 2014 Total HH
% ALICE & Poverty
Jeanerette
1,889
61%
Loreauville
290
44%
Lydia
317
6%
11,409
45%
Town
New Iberia
220452 4,500
4,278
90%
4,000
23%
80%
3,162
70% 60%
3,500
52%
3,000 82%
38%
2,500
50%
2,000
40%
1,500
30% 20% 10%
48%
39%
5%
955
Total Households
Percent of Families with Children
100%
1,000
500
13%
0
0% Married
Single FemaleHeaded
Poverty
ALICE
Single MaleHeaded
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220453
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
60
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Iberia Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN IBERVILLE PARISH 2014 Point-in-Time Data
Population: 33,375 | Number of Households: 11,257 Median Household Income: $45,692 (state average: $44,555) Unemployment Rate: 8.1% (state average: 7.5%) ALICE Households: 24% (state average: 23%); Poverty Households: 20% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
61
Households by Income, 2007 to 2014 220471
11,700
100% 90%
11,500
80%
70%
61%
62%
56%
56% 11,300
60% 11,100
50% 40% 30%
18%
20%
23%
24%
20% 2014
20%
10,900
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
10,700 20%
19%
21%
2007
2010
2012
10%
10,500
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Iberville Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$438
$637
Child Care
$–
$905
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$116
$352
Taxes
Monthly Costs
$77
$265
Monthly Total
$1,275
$3,874
ANNUAL TOTAL
$15,300
$46,488
Hourly Wage
$7.65
$23.24
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Iberville Parish families with children live below the ALICE Threshold. More families are headed by single parents than married parents in Iberville Parish, and single parent families are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220472 1,600
1,441
90%
28%
80%
60%
6% 1,000
84%
800
50% 49%
40%
600
66%
30%
351
20% 10% 0%
10%
Bayou Goula
185
54%
Crescent
269
40%
Grosse Tete
280
48%
Maringouin
402
64%
Plaquemine
2,811
44%
Rosedale
422
48%
St. Gabriel
1,230
44%
870
62%
1,200
1,125
70%
% ALICE & Poverty
White Castle
1,400
33%
Total HH
Town
Total Households
Percent of Families with Children
100%
Iberville Parish, 2014
400 200
18%
6%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220473
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
With Mortgage 2 Vehicles
40%
30% 20% 10%
1 Vehicle
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
62
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Iberville Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN JACKSON PARISH 2014 Point-in-Time Data
Population: 16,199 | Number of Households: 6,166 Median Household Income: $36,466 (state average: $44,555) Unemployment Rate: 8.0% (state average: 7.5%) ALICE Households: 21% (state average: 23%); Poverty Households: 24% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
63
Households by Income, 2007 to 2014 220491
6,200
100% 90%
6,150
80%
70%
61%
58%
55%
60%
6,100 6,050
50% 6,000
40%
30%
22%
22%
21%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
5,950
20% 10%
N/A
17%
20%
2010
2012
24%
5,900 5,850
0% Poverty
ALICE
Above AT
2014 Total HH
Household Survival Budget, Jackson Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$489
$637
Child Care
$–
$764
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$122
$334
Taxes
Monthly Costs
$91
$228
Monthly Total
$1,346
$3,678
ANNUAL TOTAL
$16,152
$44,136
Hourly Wage
$8.08
$22.07
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Jackson Parish families with children live below the ALICE Threshold. Though more Jackson Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
800
77%
50%
29%
507
40%
600
73%
400
30% 20%
7%
10%
16%
63%
139
63%
Hodge
165
42%
1,638
59%
183
62%
1,000
34%
70% 60%
280
East Hodge
1,200
17%
80%
Chatham
North Hodge
10%
1,018
% ALICE & Poverty
37%
174
Total Households
Percent of Families with Children
90%
Total HH
Town
Jonesboro
220492 100%
Jackson Parish, 2014
200 0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220493
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
64
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Jackson Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN JEFFERSON PARISH 2014 Point-in-Time Data
Population: 435,716 | Number of Households: 169,033 Median Household Income: $46,961 (state average: $44,555) Unemployment Rate: 5.8% (state average: 7.5%) ALICE Households: 24% (state average: 23%); Poverty Households: 15% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
65
Households by Income, 2007 to 2014 220511
100%
170,000
90%
168,000
80%
166,000 58%
59%
70%
57%
61%
164,000
60%
162,000
50%
160,000
40%
158,000
30%
27%
29%
28%
24%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
156,000 154,000
20% 10%
12%
15%
15%
15%
2007
2010
2012
2014
152,000 150,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Jefferson Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$646
$948
Child Care
$–
$949
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$142
$399
Taxes
Monthly Costs
$135
$381
Monthly Total
$1,567
$4,392
ANNUAL TOTAL
$18,804
$52,704
Hourly Wage
$9.40
$26.35
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Jefferson Parish families with children live below the ALICE Threshold. Though more Jefferson Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220512 25,000
23,462
90%
31%
80%
20,000 56%
70% 60%
82%
23%
14,605
15,000
50%
10,000
40% 30% 46%
20% 10% 0%
32%
4,421
7% Married
Single FemaleHeaded Poverty
% ALICE & Poverty
Avondale
1,765
58%
Barataria
452
48%
Bridge City
2,426
56%
Elmwood
2,681
25%
Estelle
5,130
32%
387
41%
Gretna
6,844
53%
Harahan
3,927
30%
Harvey
7,788
48%
683
35%
Jefferson
5,137
45%
Kenner
25,553
36%
Lafitte
448
45%
Marrero
12,191
56%
Metairie
59,799
37%
River Ridge
5,774
29%
Terrytown
8,475
43%
Timberlane
3,492
35%
Waggaman
3,431
51%
Westwego
3,770
53%
Woodmere
3,671
35%
Jean Lafitte
5,000
11% 12%
Total HH
Town
Grand Isle
Total Households
Percent of Families with Children
100%
Jefferson Parish, 2014
0
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220513
100%
Percent of Households
90% 80%
4+ Vehicles
3 Vehicles
70%
60%
2 Vehicles
50% With Mortgage
40%
30% 20%
1 Vehicle No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
66
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Jefferson Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN JEFFERSON DAVIS PARISH 2014 Point-in-Time Data
Population: 31,492 | Number of Households: 11,553 Median Household Income: $40,335 (state average: $44,555) Unemployment Rate: 10.4% (state average: 7.5%) ALICE Households: 22% (state average: 23%); Poverty Households: 22% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
67
Households by Income, 2007 to 2014 220531
12,000
100% 90%
11,900
80% 70%
64%
64%
57%
56%
60%
11,800 11,700
50% 11,600
40% 30%
18%
22%
23%
22%
2012
2014
22%
20% 10%
20%
18%
14%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
11,500 11,400 11,300
0% 2007
2010
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Jefferson Davis Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$637
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$341
Taxes
Monthly Costs
$94
$238
Monthly Total
$1,363
$3,754
ANNUAL TOTAL
$16,356
$45,048
Hourly Wage
$8.18
$22.52
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Jefferson Davis Parish families with children live below the ALICE Threshold. Though more Jefferson Davis Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220532 2,500
2,374
21%
70%
58% 1,500
81%
50%
995
40%
1,000
62%
30%
42%
20%
0%
% ALICE & Poverty
Elton
479
61%
Fenton
164
61%
Jennings
3,790
52%
Lacassine
135
12%
Lake Arthur
993
53%
Roanoke
164
40%
1,148
46%
Welsh
2,000
80%
10%
Total HH
17%
90%
60%
Town
10%
346
9%
Total Households
Percent of Families with Children
100%
Jefferson Davis Parish, 2014
500
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220533
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
1 Vehicle
No Mortgage
Vehicle
Home
40%
30% 20% 10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
68
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Jefferson Davis Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN LASALLE PARISH 2014 Point-in-Time Data
Population: 14,874 | Number of Households: 5,715 Median Household Income: $41,173 (state average: $44,555) Unemployment Rate: 6.9% (state average: 7.5%) ALICE Households: 19% (state average: 23%); Poverty Households: 19% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
69
Households by Income, 2007 to 2014 220591
5,800
100% 90%
5,700
80%
5,600
70%
60%
67%
62%
5,500
60%
5,400
50%
40%
5,300
30%
26%
20%
10%
N/A
19% 20%
14%
13%
2010
2012
19%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
5,200 5,100 5,000
0%
Poverty
ALICE
Above AT
2014
Total HH
Household Survival Budget, LaSalle Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$476
$637
Child Care
$–
$737
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$121
$331
Taxes
Monthly Costs
$87
$218
Monthly Total
$1,328
$3,638
ANNUAL TOTAL
$15,936
$43,656
Hourly Wage
$7.97
$21.83
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many LaSalle Parish families with children live below the ALICE Threshold. Though more LaSalle Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220592
1,189
1,452
41%
Midway
620
61%
Olla
533
41%
Tullos
151
47%
Urania
215
44%
1,200
3%
70%
1,000
60%
800
89%
600
82%
40% 30%
349
400 35%
20%
0%
% ALICE & Poverty
15%
80%
10%
Jena
Total HH
Total Households
Percent of Families with Children
90%
50%
Town
1,400
100%
60%
LaSalle Parish, 2014
110
5% 6%
5%
Married
Single FemaleHeaded Poverty
ALICE
200 0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220593
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70% With Mortgage
60% 50%
2 Vehicles
40%
30% 20% 10%
No Mortgage 1 Vehicle
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
70
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in LaSalle Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN LAFAYETTE PARISH 2014 Point-in-Time Data
Population: 235,644 | Number of Households: 88,611 Median Household Income: $51,060 (state average: $44,555) Unemployment Rate: 4.9% (state average: 7.5%) ALICE Households: 19% (state average: 23%); Poverty Households: 13% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
71
Households by Income, 2007 to 2014 220551
100%
90,000
90%
89,000
80%
88,000
70%
68%
69%
63%
87,000 68%
60%
86,000 85,000
50%
84,000
40%
83,000
30% 15%
17%
20% 10%
20%
14%
17%
17%
2007
2010
2012
19%
13%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
82,000 81,000 80,000 79,000
0% Poverty
ALICE
Above AT
2014 Total HH
Household Survival Budget, Lafayette Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$791
Child Care
$–
$694
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$346
Taxes
Monthly Costs
$94
$257
Monthly Total
$1,363
$3,803
ANNUAL TOTAL
$16,356
$45,636
Hourly Wage
$8.18
$22.82
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Lafayette Parish families with children live below the ALICE Threshold. Though more Lafayette Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
16,000
28%
80%
12,000
67%
60%
31%
92%
10,000 7,805
8,000
40%
6,000
30% 41%
20%
10% 0%
Broussard
3,468
30%
Carencro
3,217
40%
640
51%
Lafayette
49,939
36%
Milton
1,019
6%
Ossun
691
42%
Scott
3,641
31%
Youngsville
3,237
13%
14,000
70%
50%
% ALICE & Poverty
33%
2,120
3% 5%
Total Households
Percent of Families with Children
18,000
16,312
90%
Total HH
Town
Duson
220552 100%
Lafayette Parish, 2014
4,000 2,000 0
Married
Single FemaleHeaded Poverty
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220553
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60%
2 Vehicles
50% With Mortgage
40%
30% 20%
1 Vehicle No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
72
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Lafayette Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN LAFOURCHE PARISH 2014 Point-in-Time Data
Population: 98,020 | Number of Households: 34,564 Median Household Income: $41,842 (state average: $44,555) Unemployment Rate: 7.4% (state average: 7.5%) ALICE Households: 26% (state average: 23%); Poverty Households: 19% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
73
Households by Income, 2007 to 2014 220571
100%
36,000
90%
35,500
80%
35,000 59%
70%
62%
63%
55%
34,500
60%
34,000
50%
33,500
40%
33,000
30%
26%
22%
25%
20% 10%
19%
25%
13%
12%
2010
2012
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
32,500 32,000
19%
31,500 31,000
0% 2007 Poverty
ALICE
Above AT
2014 Total HH
Household Survival Budget, Lafourche Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$496
$773
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$123
$359
Taxes
Monthly Costs
$93
$277
Monthly Total
$1,356
$3,947
ANNUAL TOTAL
$16,272
$47,364
Hourly Wage
$8.14
$23.68
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Lafourche Parish families with children live below the ALICE Threshold. Though more Lafourche Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 8,000 7,000 47%
6,000
70% 60% 50%
5,000 90%
4,000 87%
40%
3,041
30%
3,000 48%
20%
10% 0%
Bayou Country Club
Total HH
% ALICE & Poverty
4,305
38%
523
11%
1,815
31%
344
52%
Cut Off
2,040
36%
Galliano
2,816
38%
Golden Meadow
749
36%
Kraemer
409
54%
Lafourche Crossing
815
17%
2,565
39%
Lockport
990
43%
Lockport Heights
439
22%
Mathews
779
35%
Raceland
3,756
43%
Thibodaux
5,518
47%
Larose
Total Households
Percent of Families with Children
13%
80%
Bayou Blue
Choctaw
100% 6,851
Town
Chackbay
220572
90%
Lafourche Parish, 2014
2,000
1,117 1,000
6% 4%
5%
Married
Single FemaleHeaded Poverty
ALICE
0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220573
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
74
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Lafourche Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN LINCOLN PARISH 2014 Point-in-Time Data
Population: 47,243 | Number of Households: 17,060 Median Household Income: $34,210 (state average: $44,555) Unemployment Rate: 12.3% (state average: 7.5%) ALICE Households: 22% (state average: 23%); Poverty Households: 30% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
75
Households by Income, 2007 to 2014 220611
100%
17,200
90%
17,000
54%
70%
54%
54%
48%
16,800 16,600
60%
16,400
50%
16,200
40%
18%
21%
19%
22%
16,000
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
15,800
30%
15,600
20% 28%
2007
10%
25%
27%
30%
2010
2012
2014
15,400 15,200
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Lincoln Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$613
$759
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$138
$349
Taxes
Monthly Costs
$126
$257
Monthly Total
$1,521
$3,840
ANNUAL TOTAL
$18,252
$46,080
Hourly Wage
$9.13
$23.04
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Lincoln Parish families with children live below the ALICE Threshold. Though more Lincoln Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220612 2,500
2,338
90%
20% 1,912
80%
17%
70% 60%
29% 3%
1,500
50%
1,000
40%
20% 10% 0%
68%
63%
357
7%
% ALICE & Poverty
Choudrant
443
42%
Dubach
331
68%
Grambling
1,478
64%
Ruston
7,973
59%
Simsboro
407
40%
Vienna
170
33%
2,000
81%
30%
Total HH
Town
12%
Total Households
Percent of Families with Children
100%
Lincoln Parish, 2014
500
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220613
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
40%
With Mortgage
30% 20%
1 Vehicle No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
76
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Lincoln Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN LIVINGSTON PARISH 2014 Point-in-Time Data
Population: 135,751 | Number of Households: 48,943 Median Household Income: $60,466 (state average: $44,555) Unemployment Rate: 5.4% (state average: 7.5%) ALICE Households: 17% (state average: 23%); Poverty Households: 11% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
77
Households by Income, 2007 to 2014 220631
100% 50,000
90% 80%
70%
65%
66%
62%
60%
40,000 72% 30,000
50% 40%
20,000
30% 23%
24%
11%
11%
2007
2010
20% 10%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
22% 17% 16%
10,000
11% -
0% Poverty
ALICE
2012 Above AT
2014 Total HH
Household Survival Budget, Livingston Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$550
$799
Child Care
$–
$867
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$368
Taxes
Monthly Costs
$108
$300
Monthly Total
$1,432
$4,049
ANNUAL TOTAL
$17,184
$48,588
Hourly Wage
$8.59
$24.29
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Livingston Parish families with children live below the ALICE Threshold. Though more Livingston Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220632 12,000
11,235
90%
29%
80%
10,000
70% 60%
87%
8,000
68%
18%
6,000
50%
40%
3,744
30%
4,000
53%
21%
20% 10% 0%
4% 9%
1,682
11%
Married
Single FemaleHeaded Poverty
Town Albany
Total HH
% ALICE & Poverty
531
43%
3,876
38%
French Settlement
484
39%
Killian
423
41%
Livingston
650
31%
Port Vincent
345
28%
Springfield
162
48%
Walker
2,303
34%
Watson
354
48%
Denham Springs
Total Households
Percent of Families with Children
100%
Livingston Parish, 2014
2,000 0
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220633
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0%
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
78
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Livingston Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN MADISON PARISH 2014 Point-in-Time Data
Population: 12,008 | Number of Households: 4,035 Median Household Income: $24,028 (state average: $44,555) Unemployment Rate: 19.2% (state average: 7.5%) ALICE Households: 28% (state average: 23%); Poverty Households: 36% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
79
Households by Income, 2007 to 2014 220651
4,100
100% 90%
42%
38%
36%
70%
4,050
4,000
60% 50%
26%
40%
29%
28%
3,950
3,900
30% 20%
10%
32%
33%
36%
2010
2012
2014
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
3,850
N/A 3,800
0%
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Madison Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$484
$659
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$122
$336
Taxes
Monthly Costs
$90
$229
Monthly Total
$1,340
$3,699
ANNUAL TOTAL
$16,080
$44,388
Hourly Wage
$8.04
$22.19
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Madison Parish families with children live below the ALICE Threshold. More families are headed by single parents than married parents in Madison Parish, and single parent families are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Madison Parish, 2014 Total HH
% ALICE & Poverty
Delta
110
64%
Richmond
172
43%
2,551
65%
Town
Tallulah
220652 6% 4%
90%
509
500
80% 70%
428
56%
400
52%
60% 50%
40%
600
9%
300
90% 15%
200
30% 20% 10%
109
39%
29%
Total Households
Percent of Families with Children
100%
100 0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220653
100%
Percent of Households
90% 80% 70%
4+ Vehicles 3 Vehicles
60% 50%
2 Vehicles With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
80
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Madison Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN MOREHOUSE PARISH 2014 Point-in-Time Data
Population: 27,319 | Number of Households: 10,383 Median Household Income: $28,304 (state average: $44,555) Unemployment Rate: 10.4% (state average: 7.5%) ALICE Households: 25% (state average: 23%); Poverty Households: 28% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
81
Households by Income, 2007 to 2014 220671
11,000
100% 90%
10,800 48%
50%
70%
46%
47%
10,600 10,400
60%
10,200
50% 19%
40%
28%
26%
25%
30%
10,000
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
9,800
20%
31%
24%
10%
28%
28%
2012
2014
9,600
9,400
0% 2007
2010
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Morehouse Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$514
$691
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$125
$340
Taxes
Monthly Costs
$98
$238
Monthly Total
$1,381
$3,744
ANNUAL TOTAL
$16,572
$44,928
Hourly Wage
$8.29
$22.46
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Morehouse Parish families with children live below the ALICE Threshold. Though more Morehouse Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Morehouse Parish, 2014 Town Bastrop Mer Rouge
Total HH
% ALICE & Poverty
4,141
65%
190
54%
220672 1,600
1,434
90%
19%
1,400
26%
80%
60%
1,200
17%
70%
1,028 1,000
78%
800
50% 40%
20%
4%
10%
18%
600
74%
64%
30%
Total Households
Percent of Families with Children
100%
400 150
200 0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220673
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
82
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Morehouse Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN NATCHITOCHES PARISH 2014 Point-in-Time Data
Population: 39,359 | Number of Households: 14,598 Median Household Income: $33,629 (state average: $44,555) Unemployment Rate: 11.2% (state average: 7.5%) ALICE Households: 26% (state average: 23%); Poverty Households: 28% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
83
Households by Income, 2007 to 2014 220691
100%
15,200
90%
15,100 47%
49%
70%
52%
46%
15,000 14,900
60%
14,800
50% 19%
40%
25%
22%
26%
14,700 14,600
30%
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
14,500
20%
32%
10%
28%
26%
28%
2010
2012
2014
14,400 14,300
0% 2007 Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Natchitoches Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$587
$727
Child Care
$–
$764
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$135
$346
Taxes
Monthly Costs
$118
$253
Monthly Total
$1,484
$3,805
ANNUAL TOTAL
$17,808
$45,660
Hourly Wage
$8.90
$22.83
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Natchitoches Parish families with children live below the ALICE Threshold. Though more Natchitoches Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220692 17%
15%
80%
2,000
70% 60%
1,554
26% 1,500
83%
50%
40%
1,000
75%
30%
57%
20% 10% 0%
259
8% 9%
% ALICE & Poverty
Ashland
108
43%
Campti
309
75%
Clarence
139
59%
Goldonna
155
48%
Natchez
140
80%
7,014
63%
Point Place
146
35%
Provencal
227
49%
Vienna Bend
498
52%
Natchitoches
2,500
10%
2,199
90%
Total HH
Town
Total Households
Percent of Families with Children
100%
Natchitoches Parish, 2014
500
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220693
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
84
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Natchitoches Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ORLEANS PARISH 2014 Point-in-Time Data
Population: 384,320 | Number of Households: 152,788 Median Household Income: $35,504 (state average: $44,555) Unemployment Rate: 10.3% (state average: 7.5%) ALICE Households: 25% (state average: 23%); Poverty Households: 27% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
85
Households by Income, 2007 to 2014 220711
100%
180,000
90%
160,000 44%
54%
70%
50%
48%
140,000 120,000
60%
100,000
50% 80,000
40%
37%
22%
30%
22%
25%
60,000
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
40,000
20% 10%
24%
19%
28%
27%
2012
2014
20,000 -
0% 2007
2010
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Orleans Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$646
$948
Child Care
$–
$949
Food
$182
$550
Transportation
$340
$679
Health Care
$129
$511
Miscellaneous
$143
$403
Taxes
Monthly Costs
$137
$389
Monthly Total
$1,577
$4,429
ANNUAL TOTAL
$18,924
$53,148
Hourly Wage
$9.46
$26.57
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Orleans Parish families with children live below the ALICE Threshold. More families are headed by single parents than married parents in Orleans Parish, and single parent families are more likely to have income below the ALICE Threshold.
Orleans Parish, 2014 Town New Orleans
Total HH
% ALICE & Poverty
152,788
52%
Families with Children by Income, 2014 220712 16,000
14,608
90% 80%
21%
24%
12,438
14,000 12,000
70% 60%
10,000
34%
82%
8,000
50% 40%
20%
10% 0%
6,000
64%
30%
45%
6%
2,544
Total Households
Percent of Families with Children
100%
4,000 2,000
12%
0
Married
Single FemaleHeaded Poverty
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220713
100%
Percent of Households
90% 80% 70% 60%
4+ Vehicles 3 Vehicles
2 Vehicles
50% 40% With Mortgage
30% 20%
1 Vehicle No Mortgage
10% 0%
Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
86
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Orleans Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN OUACHITA PARISH 2014 Point-in-Time Data
Population: 156,325 | Number of Households: 57,766 Median Household Income: $41,139 (state average: $44,555) Unemployment Rate: 7.3% (state average: 7.5%) ALICE Households: 21% (state average: 23%); Poverty Households: 24% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
87
Households by Income, 2007 to 2014 220731
100%
59,000
90%
58,000
80%
57,000
57%
70%
62%
55%
55% 56,000
60%
55,000
50% 54,000
40% 23%
30%
16%
22%
21%
53,000
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
52,000
20% 20%
22%
23%
24%
2007
2010
2012
2014
10%
51,000 50,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Ouachita Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$522
$693
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$126
$341
Taxes
Monthly Costs
$100
$238
Monthly Total
$1,392
$3,747
ANNUAL TOTAL
$16,704
$44,964
Hourly Wage
$8.35
$22.48
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Ouachita Parish families with children live below the ALICE Threshold. Though more Ouachita Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
9,622
10,000 16% 58%
8,000
6,690
79%
6,000
50%
40%
69%
30% 20% 10%
Bawcomville
1,359
61%
Brownsville
1,695
57%
331
48%
Claiborne
4,528
35%
Lakeshore
718
32%
18,390
58%
Richwood
660
77%
Sterlington
649
43%
Swartz
1,823
38%
West Monroe
5,447
55%
4,000
22%
4% 20%
17%
1,219
Total Households
Percent of Families with Children
15%
70% 60%
% ALICE & Poverty
Monroe
12,000
100%
80%
Total HH
Town
Calhoun
220732
90%
Ouachita Parish, 2014
2,000 0
0% Married
Single FemaleHeaded Poverty
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220733
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60%
2 Vehicles
50% With Mortgage
40%
30% 20%
1 Vehicle No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
88
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Ouachita Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN PLAQUEMINES PARISH 2014 Point-in-Time Data
Population: 23,545 | Number of Households: 8,772 Median Household Income: $54,835 (state average: $44,555) Unemployment Rate: 5.1% (state average: 7.5%) ALICE Households: 18% (state average: 23%); Poverty Households: 16% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
89
Households by Income, 2007 to 2014 220751
100%
8,900
90%
8,800
80%
8,700
70%
65%
67%
66%
60%
8,600 8,500
50% 8,400
40%
8,300
30% 25%
20%
10%
N/A
10%
0%
2010 Poverty
ALICE
19%
18%
14%
16%
2012
2014
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
8,200 8,100 8,000
Above AT
Total HH
Household Survival Budget, Plaquemines Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$646
$948
Child Care
$–
$949
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$142
$399
Taxes
Monthly Costs
$135
$381
Monthly Total
$1,567
$4,392
ANNUAL TOTAL
$18,804
$52,704
Hourly Wage
$9.40
$26.35
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Plaquemines Parish families with children live below the ALICE Threshold. Though more Plaquemines Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220752
Belle Chasse
Total HH
% ALICE & Poverty
4,895
26%
Boothville
358
63%
Buras
386
46%
Empire
449
50%
Port Sulphur
710
56%
90%
2,010
80%
43%
2,000
45%
70% 1,500
86%
50%
20%
23%
40%
1,000
772
30% 20%
37%
10%
9%
0%
5%
32%
294
Total Households
Percent of Families with Children
Town
2,500
100%
60%
Plaquemines Parish, 2014
500
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220753
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
90
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Plaquemines Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN POINTE COUPEE PARISH 2014 Point-in-Time Data
Population: 22,631 | Number of Households: 8,888 Median Household Income: $46,158 (state average: $44,555) Unemployment Rate: 6.1% (state average: 7.5%) ALICE Households: 23% (state average: 23%); Poverty Households: 16% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
91
Households by Income, 2007 to 2014 220771
100%
9,200
90%
9,100
80%
9,000
51%
70%
57%
63%
61%
60%
8,900 8,800
50% 8,700
40%
22%
8,600
30%
31%
22%
23%
12%
15%
16%
2010
2012
2014
20%
27%
10%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
8,500 8,400 8,300
0% 2007 Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Pointe Coupee Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$550
$799
Child Care
$–
$905
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$374
Taxes
Monthly Costs
$108
$318
Monthly Total
$1,432
$4,111
ANNUAL TOTAL
$17,184
$49,332
Hourly Wage
$8.59
$24.67
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Pointe Coupee Parish families with children live below the ALICE Threshold. Though more Pointe Coupee Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
379
29%
Livonia
587
35%
Morganza
303
40%
1,810
52%
480
24%
20%
1,341
1,400
80%
41%
70%
1,200
31%
1,000
86% 17%
50%
40%
800 600
503
30%
49%
20%
42%
234
Total Households
Percent of Families with Children
Fordoche
1,600
90%
0%
% ALICE & Poverty
Ventress
100%
10%
Total HH
Town
New Roads
220772
60%
Pointe Coupee Parish, 2014
400 200
4% 10%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220773
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
With Mortgage 2 Vehicles
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
92
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Pointe Coupee Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN RAPIDES PARISH 2014 Point-in-Time Data
Population: 132,488 | Number of Households: 46,738 Median Household Income: $40,434 (state average: $44,555) Unemployment Rate: 8.6% (state average: 7.5%) ALICE Households: 25% (state average: 23%); Poverty Households: 20% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
93
Households by Income, 2007 to 2014 220791
55,000
100% 90%
50,000
80% 70%
60%
61%
59%
55%
45,000
60% 50%
40,000
40% 30%
22%
21%
20%
25%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
35,000
20%
10%
18%
18%
21%
20%
2007
2010
2012
2014
N/A
30,000
0%
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Rapides Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$530
$656
Child Care
$–
$737
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$128
$333
Taxes
Monthly Costs
$103
$224
Monthly Total
$1,405
$3,665
ANNUAL TOTAL
$16,860
$43,980
Hourly Wage
$8.43
$21.99
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Rapides Parish families with children live below the ALICE Threshold. Though more Rapides Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220792 9,000
8,290
15%
90%
8,000
23%
80%
60%
6,000
38%
79%
5,000
4,573
50%
62%
40%
4,000 3,000
30% 20%
5%
10%
16%
47%
% ALICE & Poverty
Alexandria
17,237
52%
Ball
1,413
34%
Boyce
528
65%
Cheneyville
196
72%
Deville
749
43%
Forest Hill
194
52%
Glenmora
496
61%
Lecompte
404
58%
5,111
47%
526
30%
Pineville Woodworth
7,000
70%
Total HH
Town
Total Households
Percent of Families with Children
100%
Rapides Parish, 2014
2,000 982 15%
1,000 0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220793
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles With Mortgage
40%
30% 20%
1 Vehicle
10%
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
94
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Rapides Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN RED RIVER PARISH 2014 Point-in-Time Data
Population: 8,937 | Number of Households: 3,382 Median Household Income: $37,681 (state average: $44,555) Unemployment Rate: 11.6% (state average: 7.5%) ALICE Households: 24% (state average: 23%); Poverty Households: 24% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
95
Households by Income, 2007 to 2014 220811
3,400
100% 90%
3,350
80% 54%
70%
57%
52% 3,300
60% 3,250
50% 40%
30%
24%
25%
21%
21%
22%
24%
2010
2012
2014
20% 10%
N/A
3,200
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
3,150
3,100
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Red River Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$637
Child Care
$–
$764
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$334
Taxes
Monthly Costs
$94
$228
Monthly Total
$1,363
$3,678
ANNUAL TOTAL
$16,356
$44,136
Hourly Wage
$8.18
$22.07
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Red River Parish families with children live below the ALICE Threshold. Though more Red River Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Red River Parish, 2014 Total HH
% ALICE & Poverty
Coushatta
732
69%
Hall Summit
135
46%
Martin
223
38%
Town
220812 600
9%
90%
496
500
18%
80% 70% 60%
64% 81%
50%
300
249
40%
73%
200
30% 20% 10% 0%
400
Total Households
Percent of Families with Children
100%
130
21%
100
9% 15%
10%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220813
100%
Percent of Households
90% 80% 70%
4+ Vehicles 3 Vehicles With Mortgage
60% 50% 40%
2 Vehicles
30% 20% 10%
No Mortgage 1 Vehicle
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
96
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Red River Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN RICHLAND PARISH 2014 Point-in-Time Data
Population: 20,845 | Number of Households: 7,676 Median Household Income: $38,708 (state average: $44,555) Unemployment Rate: 10.8% (state average: 7.5%) ALICE Households: 22% (state average: 23%); Poverty Households: 20% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
97
Households by Income, 2007 to 2014 220831
100%
7,700
90%
7,650
80%
7,600 57%
58%
70%
57%
58%
7,550
60%
7,500
50%
7,450
40%
7,400 20%
30%
22%
23%
22%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
7,350 7,300
20%
22%
21%
20%
20%
2007
2010
2012
2014
10%
7,250 7,200
0%
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Richland Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$468
$637
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$120
$333
Taxes
Monthly Costs
$85
$223
Monthly Total
$1,317
$3,668
ANNUAL TOTAL
$15,804
$44,016
Hourly Wage
$7.90
$22.01
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Richland Parish families with children live below the ALICE Threshold. Though more Richland Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Richland Parish, 2014 Town
Total HH
% ALICE & Poverty
Delhi
1,090
44%
309
56%
1,368
57%
414
43%
Mangham Rayville Start
220832 1,470
1,600
9%
90%
1,400
80%
60%
1,000
78%
50%
800
697
91%
40%
600
30% 20%
10% 0%
1,200
59%
70%
29%
14%
400 142
12%
8% Married
Single FemaleHeaded Poverty
ALICE
Total Households
Percent of Families with Children
100%
200 0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220833
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
98
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Richland Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN SABINE PARISH 2014 Point-in-Time Data
Population: 24,286 | Number of Households: 9,174 Median Household Income: $36,513 (state average: $44,555) Unemployment Rate: 10.6% (state average: 7.5%) ALICE Households: 27% (state average: 23%); Poverty Households: 21% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
99
Households by Income, 2007 to 2014 220851
100%
10,200
90%
10,000
70%
53%
63%
55%
52%
9,800 9,600
60%
9,400
50% 9,200
40% 30%
25%
14%
25%
27%
9,000
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
8,800
20% 23%
22%
20%
21%
2007
2010
2012
2014
10%
8,600 8,400
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Sabine Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$515
$637
Child Care
$–
$764
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$126
$334
Taxes
Monthly Costs
$98
$228
Monthly Total
$1,383
$3,678
ANNUAL TOTAL
$16,596
$44,136
Hourly Wage
$8.30
$22.07
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Sabine Parish families with children live below the ALICE Threshold. Though more Sabine Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
1,000
82%
771
50%
800
79%
600
30% 20% 10% 0%
261
34%
Converse
155
58%
Florien
182
63%
Fort Jesup
155
44%
1,014
70%
Pleasant Hill
275
52%
Zwolle
724
60%
1,200
58%
70%
40%
Belmont
1,400
15%
80%
60%
% ALICE & Poverty
29% 6%
Total Households
Percent of Families with Children
1,600
6%
1,454
90%
Total HH
Town
Many
220852 100%
Sabine Parish, 2014
400 150
200
13%
12%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220853
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
With Mortgage
60% 50%
2 Vehicles
40%
30% 20%
No Mortgage 1 Vehicle
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
100
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Sabine Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ST. BERNARD PARISH 2014 Point-in-Time Data
Population: 41,114 | Number of Households: 14,051 Median Household Income: $44,706 (state average: $44,555) Unemployment Rate: 12.2% (state average: 7.5%) ALICE Households: 31% (state average: 23%); Poverty Households: 16% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
101
Households by Income, 2007 to 2014 220871
100%
14,500
90%
14,000
47%
48%
70%
53%
13,500 13,000
60%
12,500
50% 12,000
40% 39%
30%
35%
31%
11,500
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
11,000
20% 10%
N/A
14%
17%
16%
2010
2012
2014
10,500 10,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, St. Bernard Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$646
$948
Child Care
$–
$949
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$142
$399
Taxes
Monthly Costs
$135
$381
Monthly Total
$1,567
$4,392
ANNUAL TOTAL
$18,804
$52,704
Hourly Wage
$9.40
$26.35
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many St. Bernard Parish families with children live below the ALICE Threshold. Though more St. Bernard Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
1,584
54%
Chalmette
6,813
50%
Meraux
2,144
28%
Poydras
819
55%
1,912
50%
2,000
1,633 1,500
40% 1,000
30%
27%
52%
23%
340
Total Households
Percent of Families with Children
59%
36%
67%
50%
0%
Arabi
2,500
60%
10%
% ALICE & Poverty
12%
80%
20%
Total HH
3,000
2,806
90%
70%
Town
Violet
220872 100%
St. Bernard Parish, 2014
500
14%
10%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220873
100%
Percent of Households
90%
4+ Vehicles 3 Vehicles
80% 70%
60%
2 Vehicles With Mortgage
50% 40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
102
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in St. Bernard Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ST. CHARLES PARISH 2014 Point-in-Time Data
Population: 52,616 | Number of Households: 18,421 Median Household Income: $57,785 (state average: $44,555) Unemployment Rate: 8.2% (state average: 7.5%) ALICE Households: 22% (state average: 23%); Poverty Households: 12% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
103
Households by Income, 2007 to 2014 220891
100%
18,800
90%
18,600
80%
18,400
70%
67%
67%
65%
66%
60%
18,200 18,000
50% 17,800
40%
17,600
30% 20%
20%
23%
22%
13%
13%
12%
12%
2007
2010
2012
2014
20% 10%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
17,400 17,200 17,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, St. Charles Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$646
$948
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$142
$382
Taxes
Monthly Costs
$135
$337
Monthly Total
$1,567
$4,205
ANNUAL TOTAL
$18,804
$50,460
Hourly Wage
$9.40
$25.23
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many St. Charles Parish families with children live below the ALICE Threshold. Though more St. Charles Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220892 4,500 4,021
90%
4,000
27%
80% 70% 60%
3,500
55% 87%
33%
3,000 2,500
2,100
50%
2,000
40%
20% 10% 0%
1,500
29%
30%
Total HH
% ALICE & Poverty
Ama
529
32%
Bayou Gauche
942
27%
Boutte
947
35%
Des Allemands
724
37%
Destrehan
3,933
25%
Hahnville
1,198
44%
Killona
238
96%
Luling
4,298
30%
Montz
643
29%
New Sarpy
571
56%
1,149
30%
Paradis
441
24%
St. Rose
2,970
45%
Town
Norco
Total Households
Percent of Families with Children
100%
St. Charles Parish, 2014
1,000
40% 9% 4%
16%
354
500 0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220893
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
With Mortgage 2 Vehicles
40%
30% 20% 10%
1 Vehicle
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
104
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in St. Charles Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ST. HELENA PARISH 2014 Point-in-Time Data
Population: 10,937 | Number of Households: 4,155 Median Household Income: $35,262 (state average: $44,555) Unemployment Rate: 15.3% (state average: 7.5%) ALICE Households: 21% (state average: 23%); Poverty Households: 26% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
105
Households by Income, 2007 to 2014 220911
4,250
100% 90% 43%
49%
70%
4,200 53% 4,150
60% 50% 40%
34%
28%
21%
4,100
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
30% 4,050
20% 10%
23%
23%
26%
2010
2012
2014
N/A 4,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, St. Helena Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$550
$799
Child Care
$–
$867
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$368
Taxes
Monthly Costs
$108
$300
Monthly Total
$1,432
$4,049
ANNUAL TOTAL
$17,184
$48,588
Hourly Wage
$8.59
$24.29
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many St. Helena Parish families with children live below the ALICE Threshold. Though more St. Helena Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
St. Helena Parish, 2014 Town Greensburg
Total HH
% ALICE & Poverty
241
52%
Families with Children by Income, 2014 220912 700 610
90%
23%
600
80% 70% 60%
500
19%
70%
422 400
50% 300
40% 30% 20%
10%
58%
12%
200
Total Households
Percent of Families with Children
100%
100
18%
N/A
0% Married
Single FemaleHeaded Poverty
ALICE
0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220913
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
With Mortgage 2 Vehicles
40%
30% 20%
No Mortgage 1 Vehicle
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
106
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in St. Helena Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ST. JAMES PARISH 2014 Point-in-Time Data
Population: 21,782 | Number of Households: 7,925 Median Household Income: $53,259 (state average: $44,555) Unemployment Rate: 11.0% (state average: 7.5%) ALICE Households: 19% (state average: 23%); Poverty Households: 16% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
107
Households by Income, 2007 to 2014 220931
8,000
100% 90%
7,900
80%
70%
68%
64%
65%
60%
7,800 7,700
50% 7,600
40%
30%
21%
19%
13%
15%
16%
2010
2012
2014
19%
20%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
7,500
7,400
10%
N/A
7,300
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, St. James Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$637
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$341
Taxes
Monthly Costs
$94
$238
Monthly Total
$1,363
$3,754
ANNUAL TOTAL
$16,356
$45,048
Hourly Wage
$8.18
$22.52
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many St. James Parish families with children live below the ALICE Threshold. Though more St. James Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220932 1,600
1,488
90%
23%
70%
1,200
15%
1,000
60%
50%
92%
770
800
40%
600
62%
30%
0%
Total HH
% ALICE & Poverty
214
41%
1,293
33%
Grand Point
821
18%
Hester
161
28%
Lutcher
1,353
42%
North Vacherie
804
37%
Paulina
439
24%
1,421
28%
St. James
344
40%
Union
349
59%
Welcome
243
44%
Gramercy
400
20%
10%
Convent
South Vacherie
1,400
80%
Town
Total Households
Percent of Families with Children
100%
St. James Parish, 2014
200 3% 5%
N/A
Married
Single FemaleHeaded Poverty
ALICE
0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220933
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70% With Mortgage
60% 50%
2 Vehicles
40%
30% 20% 10%
1 Vehicle
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
108
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in St. James Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ST. JOHN THE BAPTIST PARISH 2014 Point-in-Time Data
Population: 44,570 | Number of Households: 15,444 Median Household Income: $50,716 (state average: $44,555) Unemployment Rate: 10.8% (state average: 7.5%) ALICE Households: 23% (state average: 23%); Poverty Households: 17% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
109
Households by Income, 2007 to 2014 220951
100%
16,000
90%
15,900
80%
15,800
53%
70%
59%
60%
60%
60%
15,700 15,600
50% 15,500
40% 32%
30%
26%
25%
23%
15,300
20% 10%
15,400
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
15%
15%
15%
17%
2007
2010
2012
2014
15,200 15,100
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, St. John The Baptist Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$646
$948
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$142
$382
Taxes
Monthly Costs
$135
$337
Monthly Total
$1,567
$4,205
ANNUAL TOTAL
$18,804
$50,460
Hourly Wage
$9.40
$25.23
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many St. John The Baptist Parish families with children live below the ALICE Threshold. Though more St. John The Baptist Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Percent of Families with Children
24%
25%
3,000
7%
2,500
80% 70% 60%
29%
83%
2,000
50%
1,582 1,500
40% 68%
30%
10% 0%
1,000
47%
20%
Total HH
% ALICE & Poverty
Edgard
860
42%
Garyville
932
52%
Laplace
9,907
40%
123
30%
Reserve
3,342
41%
Wallace
253
43%
321
8% 9%
Total Households
3,500
100% 2,906
Town
Pleasure Bend
220952
90%
St. John The Baptist Parish, 2014
500 0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220953
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20% 10%
1 Vehicle
No Mortgage
Vehicle
Home
0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
110
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in St. John The Baptist Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ST. LANDRY PARISH 2014 Point-in-Time Data
Population: 83,709 | Number of Households: 28,739 Median Household Income: $27,753 (state average: $44,555) Unemployment Rate: 6.8% (state average: 7.5%) ALICE Households: 29% (state average: 23%); Poverty Households: 31% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
111
Households by Income, 2007 to 2014 220971
33,000
100% 90%
32,000
80%
40%
50%
70%
59%
58%
31,000
60%
30,000
50%
29%
40%
20%
14%
30%
17%
20% 30%
27%
25%
2007
2010
2012
10%
29,000
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
28,000 31%
27,000 26,000
0% Poverty
ALICE
Above AT
2014 Total HH
Household Survival Budget, St. Landry Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$428
$637
Child Care
$–
$694
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$114
$326
Taxes
Monthly Costs
$74
$214
Monthly Total
$1,260
$3,586
ANNUAL TOTAL
$15,120
$43,032
Hourly Wage
$7.56
$21.52
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many St. Landry Parish families with children live below the ALICE Threshold. Though more St. Landry Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
4,999
23%
10%
80%
5,000
70% 60%
4,000
3,411
82%
3,000
50% 40%
80%
77%
2,000
30% 20%
10% 0%
% ALICE & Poverty
Arnaudville
422
47%
Cankton
257
37%
3,965
56%
Grand Coteau
364
61%
Krotz Springs
445
64%
Lawtell
498
28%
Leonville
352
61%
Melville
431
76%
Opelousas
5,820
64%
Port Barre
696
60%
1,186
54%
288
68%
Sunset
829
9% 9%
Total Households
Percent of Families with Children
6,000
10%
90%
Total HH
Town
Eunice
220972 100%
St. Landry Parish, 2014
Washington
1,000 0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220973
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60%
2 Vehicles
With Mortgage
1 Vehicle
No Mortgage
Vehicle
Home
50% 40%
30% 20% 10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
112
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in St. Landry Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ST. MARTIN PARISH 2014 Point-in-Time Data
Population: 52,823 | Number of Households: 18,834 Median Household Income: $42,948 (state average: $44,555) Unemployment Rate: 7.8% (state average: 7.5%) ALICE Households: 26% (state average: 23%); Poverty Households: 17% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
113
Households by Income, 2007 to 2014 220991
100%
19,400
90%
19,300
80%
19,200
70%
60%
61%
56%
57%
19,100 19,000
60%
18,900
50%
18,800
40%
18,700
30%
21%
22%
25%
26%
20%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
18,600 18,500
10%
19%
17%
19%
17%
2007
2010
2012
2014
18,400 18,300
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, St. Martin Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$791
Child Care
$–
$694
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$346
Taxes
Monthly Costs
$94
$257
Monthly Total
$1,363
$3,803
ANNUAL TOTAL
$16,356
$45,636
Hourly Wage
$8.18
$22.82
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many St. Martin Parish families with children live below the ALICE Threshold. Though more St. Martin Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 220992 4,000
3,576
90%
13%
60%
2,500
80% 1,891
50%
2,000
40%
20% 10% 0%
1,500 32%
53%
12%
9% Single FemaleHeaded Poverty
2,832
54%
Cade
574
28%
Catahoula
312
43%
Cecilia
408
20%
Henderson
563
57%
Parks
260
51%
2,315
68%
St. Martinville
1,000 388
11%
Married
% ALICE & Poverty
3,000
56%
34%
30%
Breaux Bridge
Total HH
3,500
80% 70%
Town
ALICE
Total Households
Percent of Families with Children
100%
St. Martin Parish, 2014
500 0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
220993
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
With Mortgage 2 Vehicles
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
114
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in St. Martin Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ST. MARY PARISH 2014 Point-in-Time Data
Population: 53,784 | Number of Households: 20,183 Median Household Income: $41,956 (state average: $44,555) Unemployment Rate: 11.7% (state average: 7.5%) ALICE Households: 18% (state average: 23%); Poverty Households: 22% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
115
Households by Income, 2007 to 2014 221011
20,400
100% 90%
20,200
80% 70%
61%
64%
59%
20,000 60% 19,800
60%
19,600
50% 40%
19,400
30%
19%
18%
17%
21%
19%
18%
22%
22%
2007
2010
2012
2014
19,200
20% 10%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
19,000 18,800
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, St. Mary Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$518
$696
Child Care
$–
$694
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$126
$334
Taxes
Monthly Costs
$99
$230
Monthly Total
$1,387
$3,669
ANNUAL TOTAL
$16,644
$44,028
Hourly Wage
$8.32
$22.01
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many St. Mary Parish families with children live below the ALICE Threshold. Though more St. Mary Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
26%
3,000
80%
60%
53%
7%
70%
2,500
2,182
2,000
87%
50% 1,500
40% 67%
30%
47%
20%
10% 0%
Total HH
% ALICE & Poverty
Amelia
866
33%
Baldwin
846
53%
Bayou Vista
1,969
34%
Berwick
1,789
39%
759
44%
Franklin
2,626
50%
Glencoe
140
80%
Morgan City
4,819
39%
Patterson
2,238
35%
Siracusaville
167
65%
Sorrel
278
29%
664
1,000
Total Households
Percent of Families with Children
3,500
3,306
90%
Town
Charenton
221012 100%
St. Mary Parish, 2014
500
4% 9%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221013
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60%
2 Vehicles
With Mortgage
1 Vehicle
No Mortgage
Vehicle
Home
50% 40%
30% 20% 10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
116
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in St. Mary Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN ST. TAMMANY PARISH 2014 Point-in-Time Data
Population: 245,829 | Number of Households: 88,123 Median Household Income: $63,210 (state average: $44,555) Unemployment Rate: 6.5% (state average: 7.5%) ALICE Households: 21% (state average: 23%); Poverty Households: 11% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
117
Households by Income, 2007 to 2014 221031
100%
90,000
90%
89,000
80%
88,000
70%
67%
67%
64%
68%
87,000
60%
86,000
50%
85,000
40%
84,000
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
83,000
30% 22%
24%
11%
9%
2007
2010
20% 10% 0%
Poverty
ALICE
23%
21%
13%
11%
2012
2014
82,000 81,000 80,000
Above AT
Total HH
Household Survival Budget, St. Tammany Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$646
$948
Child Care
$–
$867
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$142
$388
Taxes
Monthly Costs
$135
$352
Monthly Total
$1,567
$4,270
ANNUAL TOTAL
$18,804
$51,240
Hourly Wage
$9.40
$25.62
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many St. Tammany Parish families with children live below the ALICE Threshold. Though more St. Tammany Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
31% 44%
Eden Isle
2,929
15%
267
55%
3,182
45%
347
30%
Mandeville
4,670
27%
18,000
Pearl River
1,003
49%
10,091
40%
16,000
Slidell Sun
131
55%
Lacombe
42%
14,000 12,000
28%
87%
10,000
50%
40% 30%
6,000
45%
20%
0%
8,000
45%
5,831
1,891
9% 4%
13%
Total Households
Percent of Families with Children
27%
70%
10%
Madisonville
20,000
19,040
% ALICE & Poverty
976
Folsom
80%
60%
Abita Springs
Total HH
3,294
221032
90%
Town
Covington
Families with Children by Income, 2014 100%
St. Tammany Parish, 2014
4,000 2,000 0
Married
Single FemaleHeaded Poverty
Single MaleHeaded
ALICE
Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221033
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20% 10%
1 Vehicle
No Mortgage
Vehicle
Home
0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
118
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in St. Tammany Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN TANGIPAHOA PARISH 2014 Point-in-Time Data
Population: 127,049 | Number of Households: 45,786 Median Household Income: $40,689 (state average: $44,555) Unemployment Rate: 10.4% (state average: 7.5%) ALICE Households: 27% (state average: 23%); Poverty Households: 21% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
119
Households by Income, 2007 to 2014 221051
47,000
100% 90%
46,000
56%
58%
70%
52%
52%
45,000 44,000
60%
43,000
50% 40% 21%
30%
25%
23%
27%
42,000
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
41,000
20% 21%
19%
2007
2010
10%
25%
21%
40,000 39,000
0% Poverty
ALICE
2012 Above AT
2014 Total HH
Household Survival Budget, Tangipahoa Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$540
$822
Child Care
$–
$867
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$129
$371
Taxes
Monthly Costs
$105
$308
Monthly Total
$1,418
$4,083
ANNUAL TOTAL
$17,016
$48,996
Hourly Wage
$8.51
$24.50
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Tangipahoa Parish families with children live below the ALICE Threshold. Though more Tangipahoa Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 221052 9,000
90%
16%
7,659
80%
39%
17%
70% 60%
8,000
81%
5,000
4,165
4,000
40% 67%
30% 20% 10% 0%
% ALICE & Poverty
Amite City
1,323
46%
Hammond
6,854
56%
Independence
636
52%
Kentwood
863
76%
Natalbany
1,013
57%
Ponchatoula
2,646
48%
Roseland
408
66%
Tangipahoa
191
65%
Tickfaw
267
43%
7,000 6,000
50%
Total HH
Town
3,000
57%
Total Households
Percent of Families with Children
100%
Tangipahoa Parish, 2014
2,000 1,035
8% 11%
4%
Married
Single FemaleHeaded Poverty
ALICE
1,000 0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221053
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
2 Vehicles With Mortgage
40%
30% 20%
1 Vehicle
10%
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
120
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Tangipahoa Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN TENSAS PARISH 2014 Point-in-Time Data
Population: 5,008 | Number of Households: 1,936 Median Household Income: $26,178 (state average: $44,555) Unemployment Rate: 10.4% (state average: 7.5%) ALICE Households: 30% (state average: 23%); Poverty Households: 29% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
121
Households by Income, 2007 to 2014 221071
2,200
100% 90%
2,150 49%
70%
41% 54%
2,050
60%
2,000
50% 19%
40%
30% 1,950
19%
30%
1,900
20% 10%
2,100
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
32%
27%
29%
2012
2014
1,850
N/A 1,800
0% 2010 Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Tensas Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$468
$637
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$120
$333
Taxes
Monthly Costs
$85
$223
Monthly Total
$1,317
$3,668
ANNUAL TOTAL
$15,804
$44,016
Hourly Wage
$7.90
$22.01
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Tensas Parish families with children live below the ALICE Threshold. More families are headed by single parents than married parents in Tensas Parish, and single parent families are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Tensas Parish, 2014 Total HH
% ALICE & Poverty
Newellton
455
61%
St. Joseph
379
74%
Waterproof
262
73%
Town
221072 5%
250
229
90% 80%
23%
200
47%
70%
60%
150
136
50% 40%
21%
30% 20% 10%
100
72%
Total Households
Percent of Families with Children
100%
50
32% N/A
0% Married
Single FemaleHeaded Poverty
ALICE
0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221073
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60%
2 Vehicles
50%
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
122
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Tensas Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN TERREBONNE PARISH 2014 Point-in-Time Data
Population: 113,328 | Number of Households: 39,975 Median Household Income: $46,678 (state average: $44,555) Unemployment Rate: 6.9% (state average: 7.5%) ALICE Households: 21% (state average: 23%); Poverty Households: 18% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
123
Households by Income, 2007 to 2014 221091
40,500
100% 90%
40,000
80% 70%
66%
67%
62%
61%
60%
39,500 39,000
50% 38,500
40% 30%
21%
21%
16%
17%
18%
2010
2012
2014
14%
18%
19% 2007
20% 10%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
38,000 37,500 37,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Terrebonne Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$496
$773
Child Care
$–
$823
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$123
$359
Taxes
Monthly Costs
$93
$277
Monthly Total
$1,356
$3,947
ANNUAL TOTAL
$16,272
$47,364
Hourly Wage
$8.14
$23.68
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Terrebonne Parish families with children live below the ALICE Threshold. Though more Terrebonne Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
20%
7,000
80%
41%
60%
5,000 87%
50%
4,000
3,539
40%
3,000 62%
30%
59%
20%
10% 0%
7,788
33%
888
33%
1,052
48%
Dulac
443
45%
Gray
1,804
48%
Houma
12,297
40%
Montegut
474
41%
Presquille
500
12%
Schriever
2,516
30%
Bayou Cane Bourg
6,000
18%
70%
% ALICE & Poverty
1,634
Total Households
Percent of Families with Children
8,000
7,507
90%
Total HH
Town
Chauvin
221092 100%
Terrebonne Parish, 2014
2,000 1,000
3% 10%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221093
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60%
2 Vehicles With Mortgage
50% 40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
124
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Terrebonne Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN UNION PARISH 2014 Point-in-Time Data
Population: 22,623 | Number of Households: 8,712 Median Household Income: $35,115 (state average: $44,555) Unemployment Rate: 7.6% (state average: 7.5%) ALICE Households: 21% (state average: 23%); Poverty Households: 25% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
125
Households by Income, 2007 to 2014 221111
100%
8,800
90%
8,700 8,600
57%
70%
57%
52%
54%
8,500
60%
8,400
50%
8,300
40%
24%
21%
30%
25%
21%
8,200
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
8,100 8,000
20% 22%
18%
2007
2010
10%
24%
25%
2012
2014
7,900 7,800
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Union Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$522
$693
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$126
$341
Taxes
Monthly Costs
$100
$238
Monthly Total
$1,392
$3,747
ANNUAL TOTAL
$16,704
$44,964
Hourly Wage
$8.35
$22.48
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Union Parish families with children live below the ALICE Threshold. Though more Union Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Union Parish, 2014 Town Bernice
Total HH
% ALICE & Poverty
519
65%
1,479
62%
Junction City
210
64%
Marion
297
54%
Farmerville
221112 1,377
90%
1,600
5% 3%
1,400
27%
80%
60%
1,200
2%
70%
1,000
75% 824
50%
800
92%
40%
600
71%
30% 20%
8%
10%
17%
Total Households
Percent of Families with Children
100%
400 163
200 0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221113
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70% With Mortgage
60% 50%
2 Vehicles
40%
30% 20%
No Mortgage 1 Vehicle
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
126
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Union Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN VERMILION PARISH 2014 Point-in-Time Data
Population: 58,784 | Number of Households: 21,623 Median Household Income: $47,344 (state average: $44,555) Unemployment Rate: 8.2% (state average: 7.5%) ALICE Households: 18% (state average: 23%); Poverty Households: 18% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
127
Households by Income, 2007 to 2014 221131
22,500
100% 90%
70%
63%
66%
67%
64%
21,500
60% 21,000
50% 40%
20,500
30%
18%
16%
20%
18%
Total Households
22,000
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
18% 20,000
10%
19%
18%
15%
18%
2007
2010
2012
2014
19,500
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Vermilion Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$516
$657
Child Care
$–
$694
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$126
$329
Taxes
Monthly Costs
$99
$219
Monthly Total
$1,385
$3,614
ANNUAL TOTAL
$16,620
$43,368
Hourly Wage
$8.31
$21.68
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Vermilion Parish families with children live below the ALICE Threshold. Though more Vermilion Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 221132 5,000 4,293
90%
3,000
90%
2,500
2,015
2,000
15%
63%
30% 20%
0%
3,500
3%
40%
10%
% ALICE & Poverty
4,461
52%
Delcambre
725
36%
Erath
899
38%
Gueydan
668
42%
Kaplan
1,933
53%
Maurice
518
26%
4,000
57%
70%
50%
Abbeville
Total HH
4,500 34%
80%
60%
Town
28%
1,500 622
Total Households
Percent of Families with Children
100%
Vermilion Parish, 2014
1,000 500
5% 5%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221133
100%
Percent of Households
90% 80%
4+ Vehicles
3 Vehicles
70%
60%
2 Vehicles
With Mortgage
50% 40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
128
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Vermilion Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN VERNON PARISH 2014 Point-in-Time Data
Population: 52,844 | Number of Households: 18,112 Median Household Income: $46,867 (state average: $44,555) Unemployment Rate: 7.5% (state average: 7.5%) ALICE Households: 24% (state average: 23%); Poverty Households: 13% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
129
Households by Income, 2007 to 2014 221151
18,600
100% 90%
18,500
80%
18,400
70%
66%
71%
60%
66%
63% 18,300 18,200
50% 40%
18,100
30%
17%
16%
20% 10%
23%
24%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
18,000 17,900
17%
13%
11%
13%
2010
2012
2014
17,800
0% 2007 Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Vernon Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$546
$915
Child Care
$–
$737
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$367
Taxes
Monthly Costs
$107
$300
Monthly Total
$1,427
$4,034
ANNUAL TOTAL
$17,124
$48,408
Hourly Wage
$8.56
$24.20
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Vernon Parish families with children live below the ALICE Threshold. Though more Vernon Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 221152 6,000
5,159
90%
27%
5,000
80%
4,000
75%
25% 3,000
50%
40%
19%
30% 20% 10% 0%
% ALICE & Poverty
Anacoco
410
34%
Fort Polk North
962
33%
Fort Polk South
2,139
43%
Hornbeck
168
44%
Leesville
2,460
47%
New Llano
1,019
45%
Pitkin
222
59%
Rosepine
650
51%
Simpson
258
20%
52%
70% 60%
Total HH
Town
2,000
1,391
48% 18%
29%
Total Households
Percent of Families with Children
100%
Vernon Parish, 2014
1,000 323
7%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221153
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60%
2 Vehicles
50%
With Mortgage
40%
30% 20%
1 Vehicle
10%
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
130
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Vernon Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN WASHINGTON PARISH 2014 Point-in-Time Data
Population: 46,723 | Number of Households: 17,589 Median Household Income: $31,750 (state average: $44,555) Unemployment Rate: 16.1% (state average: 7.5%) ALICE Households: 27% (state average: 23%); Poverty Households: 28% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
131
Households by Income, 2007 to 2014 221171
100%
17,800
90%
17,700
47%
57%
70%
49%
17,600 45%
17,500
60%
17,400
50%
17,300
40%
26%
22%
27%
19%
30%
17,200
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
17,100 17,000
20% 24%
27%
29%
2007
2010
2012
10%
28%
2014
16,900 16,800
0%
Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Washington Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$482
$657
Child Care
$–
$867
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$121
$349
Taxes
Monthly Costs
$89
$255
Monthly Total
$1,336
$3,843
ANNUAL TOTAL
$16,032
$46,116
Hourly Wage
$8.02
$23.06
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Washington Parish families with children live below the ALICE Threshold. Though more Washington Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Washington Parish, 2014 Total HH
% ALICE & Poverty
Bogalusa
4,497
61%
Franklinton
1,353
58%
144
78%
Town
Varnado
221172 3,500
90%
23%
2,864
23%
3,000
80% 6%
70% 60%
2,500
74%
2,000
50% 40%
71%
30% 20%
10%
1,500
1,322
77%
1,000
Total Households
Percent of Families with Children
100%
11% 328
500
15% 0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221173
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
132
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Washington Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN WEBSTER PARISH 2014 Point-in-Time Data
Population: 40,890 | Number of Households: 15,831 Median Household Income: $35,292 (state average: $44,555) Unemployment Rate: 10.6% (state average: 7.5%) ALICE Households: 22% (state average: 23%); Poverty Households: 24% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
133
Households by Income, 2007 to 2014 221191
16,800
100% 90%
16,600
80%
57%
70%
58%
59%
54%
60%
16,400 16,200
50% 16,000
40% 22%
19%
20%
18%
24%
22%
23%
24%
2007
2010
2012
2014
30%
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
15,800
20% 10%
15,600 15,400
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, Webster Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$637
Child Care
$–
$764
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$334
Taxes
Monthly Costs
$94
$228
Monthly Total
$1,363
$3,678
ANNUAL TOTAL
$16,356
$44,136
Hourly Wage
$8.18
$22.07
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Webster Parish families with children live below the ALICE Threshold. Though more Webster Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014 221192 2,500
90%
2,131
32%
80%
60%
22%
1,500 28%
50%
1,000
40% 58%
20% 10% 0%
Cotton Valley
429
49%
Cullen
415
77%
Dixie Inn
115
65%
Doyline
366
47%
Minden
4,786
52%
Sarepta
318
30%
Sibley
509
37%
2,175
54%
2,000
1,478
82%
30%
% ALICE & Poverty
Springhill
20%
70%
Total HH
Town
40%
434
Total Households
Percent of Families with Children
100%
Webster Parish, 2014
500
11% 7%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221193
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
134
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Webster Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN WEST BATON ROUGE PARISH 2014 Point-in-Time Data
Population: 24,347 | Number of Households: 9,030 Median Household Income: $49,202 (state average: $44,555) Unemployment Rate: 6.1% (state average: 7.5%) ALICE Households: 17% (state average: 23%); Poverty Households: 17% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
135
Households by Income, 2007 to 2014 221211
9,200
100% 90%
70%
60%
65%
66%
8,800
60% 8,600
50% 40%
8,400
30%
27%
20% 10%
20%
Total Households
9,000
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
17% 8,200
N/A
13%
15%
17%
2010
2012
2014
8,000
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, West Baton Rouge Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$550
$799
Child Care
$–
$905
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$374
Taxes
Monthly Costs
$108
$318
Monthly Total
$1,432
$4,111
ANNUAL TOTAL
$17,184
$49,332
Hourly Wage
$8.59
$24.67
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many West Baton Rouge Parish families with children live below the ALICE Threshold. Though more West Baton Rouge Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
West Baton Rouge Parish, 2014 Town
Total HH
% ALICE & Poverty
Addis
1,540
28%
Brusly
897
25%
Erwinville
867
19%
Port Allen
2,237
49%
221212 2,000
1,806
90%
18%
80%
1,800 1,600
10%
1,400
70% 60%
78%
83% 930
50%
40%
10%
1,000
800
72%
30% 20%
1,200
600
Total Households
Percent of Families with Children
100%
400
3%
18%
14%
185
4%
0% Married
Single FemaleHeaded Poverty
ALICE
200 0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221213
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60% 50%
2 Vehicles With Mortgage
40%
30% 20%
1 Vehicle
10%
No Mortgage
0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
136
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in West Baton Rouge Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN WEST CARROLL PARISH 2014 Point-in-Time Data
Population: 11,522 | Number of Households: 4,216 Median Household Income: $31,843 (state average: $44,555) Unemployment Rate: 9.6% (state average: 7.5%) ALICE Households: 29% (state average: 23%); Poverty Households: 22% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
137
Households by Income, 2007 to 2014 221231
4,250
100% 90%
4,200 52%
70%
53%
49%
60%
4,150 4,100
50% 4,050
40% 26%
30%
25%
29%
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
4,000
20% 10%
N/A
22%
22%
22%
2010
2012
2014
3,950 3,900
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, West Carroll Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$468
$637
Child Care
$–
$760
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$120
$333
Taxes
Monthly Costs
$85
$223
Monthly Total
$1,317
$3,668
ANNUAL TOTAL
$15,804
$44,016
Hourly Wage
$7.90
$22.01
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many West Carroll Parish families with children live below the ALICE Threshold. Though more West Carroll Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
West Carroll Parish, 2014 Town
Total HH
% ALICE & Poverty
Epps
180
63%
Forest
119
48%
Kilbourne
177
64%
Oak Grove
663
62%
221232 700
3%
90%
589
600
80%
500
70% 60%
76%
400
50%
300
92%
40%
300
30%
200
20%
3%
10%
21%
Total Households
Percent of Families with Children
100%
100 N/A
0% Married
Single FemaleHeaded Poverty
ALICE
0
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221233
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60%
2 Vehicles
50%
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
10% 0% Vehicle
Home
Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
138
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in West Carroll Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN WEST FELICIANA PARISH 2014 Point-in-Time Data
Population: 15,485 | Number of Households: 3,976 Median Household Income: $53,967 (state average: $44,555) Unemployment Rate: 12.6% (state average: 7.5%) ALICE Households: 31% (state average: 23%); Poverty Households: 15% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
139
Households by Income, 2007 to 2014 221251
4,150
100% 90%
4,100
80% 50%
70%
53%
54%
60%
4,050 4,000
50% 3,950
40% 30%
35%
31%
31%
15%
16%
15%
2010
2012
2014
Total Households
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
3,900
20% 10%
3,850
N/A
3,800
0% Poverty
ALICE
Above AT
Total HH
Household Survival Budget, West Feliciana Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$550
$799
Child Care
$–
$905
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$130
$374
Taxes
Monthly Costs
$108
$318
Monthly Total
$1,432
$4,111
ANNUAL TOTAL
$17,184
$49,332
Hourly Wage
$8.59
$24.67
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many West Feliciana Parish families with children live below the ALICE Threshold. Though more West Feliciana Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
West Feliciana Parish, 2014 Town St. Francisville
Total HH
% ALICE & Poverty
616
43%
Families with Children by Income, 2014 221252 900
5% 774
90% 80%
800
33%
24%
700
70% 60%
600 78%
15%
500
50%
400
40%
71%
30%
272
300 52%
20% 10% 0%
122
16%
Total Households
Percent of Families with Children
100%
200 100
6%
0
Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221253
100%
Percent of Households
90% 80%
4+ Vehicles 3 Vehicles
70%
60% 50%
2 Vehicles
With Mortgage
40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
140
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in West Feliciana Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
ALICE IN WINN PARISH 2014 Point-in-Time Data
Population: 15,000 | Number of Households: 5,371 Median Household Income: $32,608 (state average: $44,555) Unemployment Rate: 6.8% (state average: 7.5%) ALICE Households: 26% (state average: 23%); Poverty Households: 26% (state average: 19%)
How many households are struggling?
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
What does it cost to afford the basic necessities? The bare-minimum Household Survival Budget does not include any savings, leaving a household vulnerable to unexpected expenses. ALICE households typically earn above the Federal Poverty Level of $11,670 for a single adult and $23,850 for a family of four, but less than the Household Survival Budget.
141
Households by Income, 2007 to 2014 221271
5,480
100% 90%
5,460 49%
70%
53%
48%
5,420
60%
5,400
50% 40%
28%
30%
25%
26%
5,380 5,360
20% 10%
5,440
Total Households
80%
Percent of Households
ALICE is an acronym for Asset Limited, Income Constrained, Employed – households that earn more than the Federal Poverty Level, but less than the basic cost of living for the parish (the ALICE Threshold, or AT). Combined, the number of poverty and ALICE households equals the total population struggling to afford basic needs. The number of households below the ALICE Threshold changes over time; households move in and out of poverty and ALICE as circumstances improve or worsen. The Great Recession, from 2007 to 2010, caused hardship for many families. Conditions started to improve between 2010 and 2014 for some, but not for all.
23%
22%
2010
2012
N/A
26%
5,340 5,320
0% Poverty
ALICE
Above AT
2014 Total HH
Household Survival Budget, Winn Parish SINGLE ADULT
2 ADULTS, 1 INFANT, 1 PRESCHOOLER
Housing
$501
$637
Child Care
$–
$737
Food
$182
$550
Transportation
$340
$679
Health Care
$122
$486
Miscellaneous
$124
$331
Taxes
Monthly Costs
$94
$218
Monthly Total
$1,363
$3,638
ANNUAL TOTAL
$16,356
$43,656
Hourly Wage
$8.18
$21.83
Sources: 2014 Point-in-Time Data: American Community Survey. ALICE Demographics: American Community Survey; the ALICE Threshold. Budget: U.S. Department of Housing and Urban Development (HUD); U.S. Department of Agriculture (USDA); Bureau of Labor Statistics (BLS); Internal Revenue Service (IRS); Louisiana Department of Revenue; Louisiana Department of Education.
How many families with children are struggling? Children add significant expense to a family budget, so it is not surprising that many Winn Parish families with children live below the ALICE Threshold. Though more Winn Parish families are headed by married parents, those families with a single parent are more likely to have income below the ALICE Threshold.
Families with Children by Income, 2014
Winn Parish, 2014 Total HH
% ALICE & Poverty
Dodson
115
64%
Joyce
120
31%
St. Maurice
266
91%
1,861
65%
Town
Winnfield
221272
Percent of Families with Children
892
90%
18%
80% 70% 60%
13%
17%
900
10%
800 700
70%
600
518
500
50%
40% 30% 20% 10%
400
73%
69%
300
8% 135 22%
Total Households
1,000
100%
200 100 0
0% Married
Single FemaleHeaded Poverty
ALICE
Single MaleHeaded Above AT
Total HH
What assets do households have?
Assets, All Households, 2014
221273
Percent of Households
100%
90%
4+ Vehicles
80%
3 Vehicles
70%
60%
2 Vehicles
With Mortgage
50% 40%
30% 20%
1 Vehicle
No Mortgage
Vehicle
Home
10% 0% Interest, Dividends, or Rental Income
Note: Municipal-level data on this page is for Places, which include Census Designated Places (CDP). These are overlapping geographies so totals will not match parish-level data. Municipal-level data often relies on 5-year averages and is not available for the smallest towns that do not report income.
142
UNITED WAY ALICE REPORT – 2016 UPDATE FOR LOUISIANA
Ownership of assets can contribute to stability of households. Yet few families in Winn Parish own liquid assets, such as a savings account, 401(k) plan, or rental income, that are readily available to cover emergency expenses. Vehicles, the most common asset, depreciate over time. Homeownership, the next most common asset, can build wealth, but is not a liquid asset.
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