Texas Reality Check Budget Data 2012-2013

Transcription

Texas Reality Check
Budget Data
2012-2013
X Design Group, Inc
www.XDesignGroup.com
Texas Reality Check Website
2012-2013 Budget Data
Texas Reality Check
Texas Reality Check is a website designed to provide In the following pages you
will find the data sets we used for the Texas Reality Check.
For the following screens: Food, Clothes, Entertainment, Personal Maintenance,
Miscellaneous and Savings Plan, the data amounts will remain the same. They
are arbitrary numbers.
X Design Group
Page 1 of 17
HOUSING DATA
The Housing Data is compiled using Zillow.com Single Family Median Sales
Price (Nov. 2011 – year-to-year). To arrive at a monthly mortgage we used
BankRate.com mortgage calculator for a 30-year mortgage at 5% interest.
We did not include a down payment or property taxes since these tend to negate
each other. The down payment will bring the monthly housing payment down, but
property taxes will increase it roughly the same amount.
HOUSE DATA
Following are the actual housing amounts.
Zillow.com Median Single
Family Median Sales Price
Monthly Mortgage
based on 30 yr, 5%
Abilene
$128,000
$687
Amarillo
$134,900
$724
Arlington
$134,900
$724
Texas Reality Check
X Design Group
Page 2 of 17
Austin
$250,000
$1,342
Beaumont
$134,000
$719
Brazoria
$139,500
$749
Bryan-College Station
$139,900
$751
Conroe
$184,900
$993
Corpus Christi
$159,900
$858
Dallas
$209,900
$1,127
Del Rio-Eagle Pass
$150,000
$805
El Paso
$150,300
$807
Fort Worth
$137,900
$740
Harlingen
$105,000
$564
Houston
$174,900
$939
Laredo
$148,000
$794
Longview
$187,500
$1,007
Lubbock
$127,700
$686
Lufkin-Nacogdoches
$139,900
$751
McAllen
$157,000
$843
Midland
$215,000
$1,154
Odessa
$135,500
$727
Paris
$124,000
$666
Plano
$234,900
$1,261
San Angelo
$140,000
$752
San Antonio
$140,000
$752
San Marcos
$167,900
$901
Seguin
$131,200
$704
Sherman-Denison
$124,500
$668
Temple
$119,900
$644
Texarkana
$157,000
$843
Tyler
$184,500
$990
Victoria
$139,900
$751
Waco
$129,900
$697
Weatherford
$149,000
$800
Wichita Falls
$116,900
$628
Appendix A contains the Housing Data details.
X Design Group
Page 3 of 17
RENT DATA
The Rent Data is from the U.S. Department of Housing and Urban Development
(HUD) 50th Percentile Rent Estimates 2011. The data is provided on a county
basis.
HUD provides another data set, Fair Market Rents; however, this data is
intended to set government assisted housing rents.
City
Efficiency Apt.
1 Bedroom Apt.
2 Bedroom Apt.
Abilene
$571
$600
$757
Amarillo
$548
$594
$742
Arlington
$667
$709
$863
Austin
$713
$812
$989
Beaumont
$556
$624
$746
Brazoria
Bryan-College
Station
$658
$733
$843
$571
$645
$788
Conroe
$694
$772
$937
Corpus Christi
$694
$713
$885
Dallas
$696
$770
$930
Del Rio-Eagle Pass
$450
$539
$636
El Paso
$562
$602
$718
Fort Worth
$667
$709
$863
Harlingen
$503
$581
$665
Houston
$694
$772
$937
Laredo
$568
$622
$744
Longview
$583
$612
$703
Lubbock
$508
$619
$782
Lufkin-Nacogdoches
$606
$690
$772
McAllen
$516
$567
$669
Midland
$597
$646
$850
Odessa
$547
$580
$760
Paris
$451
$523
$656
Plano
$696
$770
$930
San Angelo
$533
$615
$783
San Antonio
$590
$656
$810
X Design Group
Page 4 of 17
San Marcos
$713
$812
$989
Seguin
$590
$656
$810
Sherman-Denison
$604
$637
$748
Temple
$516
$571
$725
Texarkana
$532
$538
$662
Tyler
$617
$725
$816
Victoria
$521
$600
$768
Waco
$640
$641
$797
Weatherford
$667
$709
$863
Wichita Falls
$604
$635
$756
Appendix B contains the raw data obtained from HUD.
X Design Group
Page 5 of 17
UTILITIES
For utilities we used a variety of sources. For electricity and phone data we used
2011 2nd Quarter ACCRA Data for the cities listed and used a statewide average
for those not listed.
For the rest of the utilities the data will be the same for all cities. The data is from
associations or foundations that conduct national surveys. There is no individual
city data.
The mobile phone data comes from CTIA, The International Association for the
Wireless Telecommunications. They conduct a semi annual survey. The cable
TV data is from the FCC and their annual survey. Internet data is from the Pew
Internet & American Life Project.
X Design Group
Page 6 of 17
Utilities Data
Following are the actual data numbers we will be using.
City
Mobile
Phone
Cable
TV
Internet
Electricity
Phone
Abilene
$199
$102
$22
$47
$52
Amarillo
$194
$102
$27
$47
$52
Arlington
$194
$102
$27
$47
$52
Austin
$209
$102
$26
$47
$52
Beaumont
$189
$102
$30
$47
$52
Brazoria
$194
$102
$27
$47
$52
$194
$102
$27
$47
$52
Conroe
$155
$102
$24
$47
$52
Corpus Christi
$200
$102
$30
$47
$52
Dallas
$210
$102
$25
$47
$52
Del Rio-Eagle Pass
$194
$102
$27
$47
$52
El Paso
$194
$102
$27
$47
$52
Fort Worth
$194
$102
$29
$47
$52
Harlingen
$194
$102
$27
$47
$52
Houston
$194
$102
$27
$47
$52
Laredo
$194
$102
$27
$47
$52
Longview
$194
$102
$27
$47
$52
Lubbock
$190
$102
$30
$47
$52
Lufkin-Nacogdoches
$194
$102
$27
$47
$52
McAllen
$156
$102
$24
$47
$52
Midland
$194
$102
$27
$47
$52
Odessa
$238
$102
$28
$47
$52
Paris
$194
$102
$27
$47
$52
Plano
$194
$102
$27
$47
$52
San Angelo
$194
$102
$27
$47
$52
San Antonio
$194
$102
$27
$47
$52
San Marcos
$199
$102
$22
$47
$52
Seguin
$194
$102
$27
$47
$52
Sherman-Denison
$194
$102
$27
$47
$52
Temple
$209
$102
$26
$47
$52
X Design Group
Page 7 of 17
Texarkana
$189
$102
$30
$47
$52
Tyler
$194
$102
$27
$47
$52
Victoria
$155
$102
$24
$47
$52
Waco
$200
$102
$30
$47
$52
Weatherford
$210
$102
$25
$47
$52
Wichita Falls
$194
$102
$27
$47
$52
Appendix C contains the raw data sources.
X Design Group
Page 8 of 17
TRANSPORTATION
The transportation data was accumulated from individual city sites and from
Edmunds.com
There are 6 options in transportation:
1. Human Power
2. Bus
3. Used Auto – 2009 Scion tc
4. Basic Auto – 2011 Chevrolet Camaro
5. Average Auto – 2011 Ford F-150
6. Luxury Auto – 2011 Cadillac Escalade
1. Human Power data shows up as $0 cost.
2. The Bus data consists of the cost of a monthly pass for each city’s major
public transportation. For those cities without a monthly pass, we
multiplied daily adult fare by 40 (2 fares per day for 20 days). The data
was collected from each city’s transit. A zero amount appears for those
cities without pubic transit.
X Design Group
Page 9 of 17
3. – 6. The data for each auto type is from Edmunds.com 'True Cost To
Own". This data is the same for all cities in Texas. The autos selected
have high teen appeal.
Edmunds.com True Cost To Own addresses the total cost to own a
vehicle. It includes financing, taxes & fees, insurance, fuel, maintenance,
repair & depreciation and does not just include the purchase price. This
information is free of charge on any vehicle:
http://www.edmunds.com/tco.html
X Design Group
Page 10 of 17
Transportation Data
Following are the actual data numbers.
City
Bus
Used
Auto
Basic
Auto
Average
Auto
Luxury
Auto
Abilene
$36
$543
$733
$808
$1,310
Amarillo
$16
$543
$733
$808
$1,310
Arlington
$43
$543
$733
$808
$1,310
Austin
$48
$543
$733
$808
$1,310
Beaumont
$75
$543
$733
$808
$1,310
Brazoria
$37
$543
$733
$808
$1,310
$37
$543
$733
$808
$1,310
Conroe
$80
$543
$733
$808
$1,310
Corpus Christi
$55
$543
$733
$808
$1,310
Dallas
$34
$543
$733
$808
$1,310
Del Rio-Eagle Pass
$37
$543
$733
$808
$1,310
El Paso
$48
$543
$733
$808
$1,310
Fort Worth
$50
$543
$733
$808
$1,310
Harlingen
$100
$543
$733
$808
$1,310
Houston
$37
$543
$733
$808
$1,310
Laredo
$37
$543
$733
$808
$1,310
Longview
$47
$543
$733
$808
$1,310
Lubbock
$72
$543
$733
$808
$1,310
Lufkin-Nacogdoches
$37
$543
$733
$808
$1,310
McAllen
$72
$543
$733
$808
$1,310
Midland
$70
$543
$733
$808
$1,310
Odessa
$60
$543
$733
$808
$1,310
Paris
$52
$543
$733
$808
$1,310
Plano
$60
$543
$733
$808
$1,310
San Angelo
$65
$543
$733
$808
$1,310
San Antonio
$30
$543
$733
$808
$1,310
San Marcos
$36
$543
$733
$808
$1,310
Seguin
$16
$543
$733
$808
$1,310
Sherman-Denison
$43
$543
$733
$808
$1,310
Temple
$48
$543
$733
$808
$1,310
X Design Group
Page 11 of 17
Texarkana
$75
$543
$733
$808
$1,310
Tyler
$37
$543
$733
$808
$1,310
Victoria
$80
$543
$733
$808
$1,310
Waco
$55
$543
$733
$808
$1,310
Weatherford
$34
$543
$733
$808
$1,310
Wichita Falls
$48
$543
$733
$808
$1,310
Appendix D contains the raw data sources.
X Design Group
Page 12 of 17
HEALTH CARE
The data for Health Care comes from two sources. Health Insurance I and II data
is from the Kaiser Family Foundation’s Employer Health Benefits 2010 Annual
Survey. This data will be the same for all cities.
The data for the Doctor’s Visit and Dentist’s Visit is from ACCRA Cost of Living
Index Second Quarter 2011.
X Design Group
Page 13 of 17
HEALTH CARE DATA
Following are the actual data numbers.
City
Health
Health
Insurance 1 Insurance 2
Doctor’s
Visit
Dentist’s
Visit
Abilene
$73
$417
$112
$93
Amarillo
$73
$417
$98
$96
Arlington
$73
$417
$98
$96
Austin
$73
$417
$85
$89
Beaumont
$73
$417
$90
$95
Brazoria
$73
$417
$98
$96
$73
$417
$98
$96
Conroe
$73
$417
$125
$105
Corpus Christi
$73
$417
$96
$98
Dallas
$73
$417
$70
$92
Del Rio-Eagle Pass
$73
$417
$98
$96
El Paso
$73
$417
$98
$96
Fort Worth
$73
$417
$81
$87
Harlingen
$73
$417
$98
$96
Houston
$73
$417
$98
$96
Laredo
$73
$417
$98
$96
Longview
$73
$417
$98
$96
Lubbock
$73
$417
$99
$98
Lufkin-Nacogdoches
$73
$417
$98
$96
McAllen
$73
$417
$121
$95
Midland
$73
$417
$107
$106
Odessa
$73
$417
$98
$96
Paris
$73
$417
$98
$96
Plano
$73
$417
$98
$96
San Angelo
$73
$417
$98
$96
San Antonio
$73
$417
$98
$96
San Marcos
$73
$417
$112
$93
Seguin
$73
$417
$98
$96
Sherman-Denison
$73
$417
$98
$96
Temple
$73
$417
$85
$89
X Design Group
Page 14 of 17
Texarkana
$73
$417
$90
$95
Tyler
$73
$417
$98
$96
Victoria
$73
$417
$125
$105
Waco
$73
$417
$96
$98
Weatherford
$73
$417
$70
$92
Wichita Falls
$73
$417
$98
$96
Appendix E contains the raw data sources.
X Design Group
Page 15 of 17
STUDENT LOAN DEBT
There are numerous sources for Student Loan Debt data. These range from
foundations dedicated to student debt to government agencies, which provide
data on higher education expenses. The sources differentiate student debt by
type of degree and institution type (public vs. private). There is no individual city
data.
The most comprehensive data comes from www.FinAid.org. They analyze
source data from the National Center for Education Statistics (http://nces.ed.gov)
to arrive at the following:
On the following page you will find the median student loan amounts by degree
type and the maximum repayment period for each.
The amount listed in the Student Loan Debt Expense reflect the amount listed for
the degree type divided by the maximum number of years listed in the repayment
period table along with a 5% interest rate.
X Design Group
Page 16 of 17
Median Loan Amounts listed for Master’s Degree and Professional Degree are
cumulative borrowing for undergraduate and graduate education.
Median Loan
Amounts
Public
College/University
Private
College/University
For-Profit
College/University
Certificate Degree
$10,833
$11,772
$12,712
Associate Degree
$11,640
$21,406
$22,738
Bachelor's Degree
$23,494
$34,572
$35,753
Master's Degree
Professional
Degree
$37,420
$46,660
N/A
$72,900
$87,560
N/A
Repayment Period
Public
College/University
Private
College/University
For-Profit
College/University
Certificate Degree
15 yrs
15 yrs
15 yrs
Associate Degree
15 yrs
20 yrs
20 yrs
Bachelor's Degree
20 yrs
20 yrs
20 yrs
Master's Degree
Professional
Degree
20 yrs
25 yrs
N/A
30 yrs
30 yrs
N/A
X Design Group
Page 17 of 17

Texas Reality Check Budget Data 2012-2013

Transcription

Similar documents