Richmond city, Virginia (VA)

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County population in July 2007: 200,123 (all urban)
County owner-occupied houses and condos: 39,010
Renter-occupied apartments: 45,539

% of renters here:	54%
State:	32%

Land area: 60 sq. mi.
Water area: 2.5 sq. mi.

Population density: 3331 people per square mile

(very high).

2008 cost of living index in Richmond city: 89.8 (less than average, U.S. average is 100)

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Type of workers:

Private wage or salary: 76%
Government: 19%
Self-employed, not incorporated: 5%
Unpaid family work: 0%

Richmond city, Virginia business data: stores, dealers, real estate agents, wholesalers, restaurants...

Races in Richmond city, Virginia:

Black (57.2%)
White Non-Hispanic (37.7%)
Hispanic (2.6%)
Other race (1.5%)
Two or more races (1.5%)
American Indian (0.7%)

(Total can be greater than 100% because Hispanics could be counted in other races)

Median resident age:	33.9 years
Virginia median age:	35.7 years

Males: 92,068	(46.5%)
Females: 105,722	(53.5%)

Average wage per job in 2003: $42,096
County population in 2003: 194,285
Jobs in 2003: 171,514

Recent posts about Richmond city, Virginia on our local forum with over 700,000 registered users. Richmond city is mentioned 140 times on our forum:

	NOVA is the most unfriendly avoiding place I've ever lived (238 replies)
	Decent cities in Virginia (61 replies)
	OK All You Futurists: Your Forecasts Please - Richmond Metro 2030 (23 replies)
	relocating to Richmond from Florida (16 replies)
	From Ny to Va (9 replies)
	feedback from Long Islanders living in Richmond, VA? (10 replies)

Total labor force in 2004: 97,041
Unemployment rate in 2004: 5.6%

Average household size:

Richmond city:	2.2 people
Virginia:	2.5 people

Estimated median household income in 2007: $38,461 ($31,121 in 1999)

This county:	$38,461
Virginia:	$59,562

Median contract rent in 2007 for apartments: $613 (lower quartile is $451, upper quartile is $742)

This county:	$613
State:	$753

Estimated median house or condo value in 2007: $203,900 (it was $87,400 in 2000)

Richmond city:	$203,900
Virginia:	$262,100

Lower value quartile - upper value quartile: $118,600 - $340,400

Mean price in 2007:

Detached houses: $264,657
Here: $264,657
State: $357,398

Townhouses or other attached units: $361,453
Here: $361,453
State: $371,438

In 2-unit structures: $415,525
Here: $415,525
State: $295,743

In 3-to-4-unit structures: $457,575
Here: $457,575
State: $305,320

In 5-or-more-unit structures: $224,896
Here: $224,896
State: $316,638

Mobile homes: $13,430
Here: $13,430
State: $37,843

Median monthly housing costs for homes and condos with a mortgage: $1,426
Median monthly housing costs for units without a mortgage: $578

Institutionalized population: 3,179

Richmond city races chart

Single-family new house construction building permits:

2000: 170 buildings, average cost: $93,300
2001: 179 buildings, average cost: $107,600
2002: 161 buildings, average cost: $114,500
2003: 279 buildings, average cost: $115,600
2004: 319 buildings, average cost: $144,100
2005: 525 buildings, average cost: $161,200
2006: 483 buildings, average cost: $139,900

Number of permits per 10,000 residents

Average cost (in $1000s)

Median real estate property taxes paid for housing units with mortgages in 2007: $1,973 (1.0%)
Median real estate property taxes paid for housing units with no mortgage in 2007: $2,020 (1.0%)

Richmond city household income distribution in 2007

Richmond city contract rent distribution in 2007

Percentage of residents living in poverty in 2007: 22.9%

Richmond city:	22.9%
Virginia:	9.9%

(10.5% for White Non-Hispanic residents, 30.6% for Black residents)

Median age of residents in 2007: 35 years old
(Males: 33 years old, Females: 37 years old)
(Median age for: White residents: 38 years old, Black residents: 36 years old, Asian residents: 24 years old, Hispanic or Latino residents: 25 years old, Other race residents: 21 years old)

Area name: Richmond, VA HUD Metro FMR Area
Fair market rent in 2006 for a 1-bedroom apartment in Richmond city is $678 a month.
Fair market rent for a 2-bedroom apartment is $757 a month.
Fair market rent for a 3-bedroom apartment is $1010 a month.

Cities in this county include: Richmond.

2005 air pollution in Richmond city:

Carbon Monoxide: 2 ppm (standard limit: 9 ppm). Near U.S. average.
Nitrogen Dioxide: 0.016 ppm (standard limit: 0.053 ppm). Near U.S. average.
Sulfur Oxides Annual: 0.005 ppm (standard limit: 0.03 ppm). Near U.S. average.
Sulfur Oxides 24-hour: 0.016 ppm (standard limit: 0.14 ppm). Near U.S. average.

Neighboring counties: Chesterfield County , Henrico County .

Click to draw/clear county borders

Notable locations in this county outside city limits:

Unemployment in May 2009:

Here:	10.2%
Virginia:	7.0%

Unemployment by year (%)

Current college students: 19,116
People 25 years of age or older with a high school degree or higher: 75.2%
People 25 years of age or older with a bachelor's degree or higher: 29.5%

Number of foreign born residents: 7,643 (36% naturalized citizens)

Richmond city:	3.9%
Whole state:	8.1%

Year of entry for the foreign-born population
	1995 to March 2000: 2,904 1990 to 1994: 1,334 1985 to 1989: 1,097 1980 to 1984: 678 1975 to 1979: 467 1970 to 1974: 297 1970 to 1974: 177 1965 to 1969: 689

Mean travel time to work: 22.1 minutes

Percentage of county residents living and working in this county: 58.0%

Richmond city marital status for females

Housing units in structures:

One, detached: 44,935
One, attached: 7,771
Two: 6,010
3 or 4: 7,572
5 to 9: 9,240
10 to 19: 5,689
20 or more: 10,375
Mobile homes: 676
Boats, RVs, vans, etc.: 14

Housing units in Richmond city with a mortgage: 25,823 (3,084 second mortgage, 3,311 home equity loan, 131 both second mortgage and home equity loan)
Houses without a mortgage: 10,153

Here:	71.8% with mortgage
State:	75.1% with mortgage

Religion statistics

Total adherents: 4,113
Total congregations: 23

Adherents

Name	Southern Baptist Convention	United Methodist Church	Churches of Christ	Christian Churches and Churches of Christ	Presbyterian Church (USA)
Adherents	2,254 (54.8%)	697 (16.9%)	385 (9.4%)	242 (5.9%)	194 (4.7%)
Congregations	8 (34.8%)	4 (17.4%)	2 (8.7%)	2 (8.7%)	1 (4.3%)

Name	Christian Church (Disciples of Christ)	Church of God (Cleveland, Tennessee)	Seventh-Day Adventist Church	Episcopal Church	Other
Adherents	127 (3.1%)	104 (2.5%)	56 (1.4%)	36 (0.9%)	18 (0.4%)
Congregations	1 (4.3%)	1 (4.3%)	1 (4.3%)	1 (4.3%)	2 (8.7%)

Source: Jones, Dale E., et al. 2002. Congregations and Membership in the United States 2000. Nashville, TN: Glenmary Research Center.

Religions in Richmond city - Richmond

Richmond city historical area-adjusted tornado activity is significantly above Virginia state average. It is 10.5 times above overall U.S. average.
Tornadoes in this county have caused 13 injuries recorded between 1950 and 2004.
On 6/13/1951, a category 2 (max. wind speeds 113-157 mph) tornado injured 12 people and caused between $50,000 and $500,000 in damages.

Richmond city-area historical earthquake activity is above Virginia state average. It is 83% smaller than the overall U.S. average.

On 12/9/2003 at 20:59:14, a magnitude 4.5 (4.5 MB, 4.5 LG, Depth: 3.1 mi, Class: Light, Intensity: IV - V) earthquake occurred 24.4 miles away from Richmond city center
On 5/5/2003 at 16:32:32, a magnitude 3.9 (3.9 LG, Depth: 3.1 mi, Class: Light, Intensity: II - III) earthquake occurred 36.6 miles away from the county center
On 3/15/1991 at 06:54:08, a magnitude 3.8 (3.8 LG, Depth: 10.9 mi) earthquake occurred 28.7 miles away from the county center
On 10/21/1998 at 05:56:47, a magnitude 3.8 (3.8 LG, 3.3 LG, Depth: 8.3 mi) earthquake occurred 50.9 miles away from Richmond city center
On 9/22/2001 at 16:01:20, a magnitude 3.2 (3.2 LG, 2.5 LG, Depth: 1.2 mi) earthquake occurred 61.2 miles away from the county center
Magnitude types: regional Lg-wave magnitude (LG), body-wave magnitude (MB)

Class of Workers

Most common industries for males (%):

Construction (10%)
Accommodation and food services (8%)
Professional, scientific, and technical services (8%)
Finance and insurance (7%)
Educational services (6%)
Public administration (6%)
Health care (5%)

Most common industries for females (%):

Health care (15%)
Educational services (12%)
Finance and insurance (9%)
Public administration (8%)
Accommodation and food services (7%)
Professional, scientific, and technical services (6%)
Administrative and support and waste management services (4%)

Most common occupations for males (%)

Building and grounds cleaning and maintenance occupations (5%)
Other management occupations except farmers and farm managers (5%)
Driver/sales workers and truck drivers (4%)
Other sales and related workers including supervisors (4%)
Other production occupations including supervisors (4%)
Material recording, scheduling, dispatching, and distributing workers (3%)
Laborers and material movers, hand (3%)

Most common occupations for females (%)

Other office and administrative support workers including supervisors (6%)
Secretaries and administrative assistants (4%)
Building and grounds cleaning and maintenance occupations (4%)
Preschool, kindergarten, elementary and middle school teachers (4%)
Information and record clerks except customer service representatives (4%)
Nursing, psychiatric, and home health aides (4%)
Customer service representatives (3%)

Most common places of birth for the foreign-born residents (%):

Mexico (10%)
Guatemala (8%)
El Salvador (6%)
United Kingdom (5%)
Korea (5%)
Germany (4%)
Trinidad and Tobago (3%)

Most common first ancestries reported in Richmond city (%):

English (8%)
United States or American (5%)
German (5%)
Irish (5%)
Italian (2%)
Scotch-Irish (2%)
Scottish (2%)

Richmond city mode of transportation to work chart

Means of transportation to work

Drove a car alone: 62,743 (71%)
Carpooled: 11,165 (13%)
Bus or trolley bus: 7,183 (8%)
Streetcar or trolley car: 31 (0%)
Subway or elevated: 41 (0%)
Railroad: 17 (0%)
Taxi: 82 (0%)
Motorcycle: 100 (0%)
Bicycle: 969 (1%)
Walked: 3,941 (4%)
Other means: 629 (1%)
Worked at home: 2,023 (2%)

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

People in group quarters in Richmond city, Virginia

5670 people in college dormitories (includes college quarters off campus)
1670 people in other noninstitutional group quarters
1618 people in local jails and other confinement facilities (including police lockups)
1365 people in nursing homes
348 people in homes or halfway houses for drug/alcohol abuse
163 people in other group homes
129 people in short-term care, detention or diagnostic centers for delinquent children
107 people in homes for the mentally ill
52 people in other nonhousehold living situations
47 people in homes for the mentally retarded
25 people in hospitals/wards and hospices for chronically ill
25 people in other hospitals or wards for chronically ill
23 people in mental (psychiatric) hospitals or wards
16 people in hospitals or wards for drug/alcohol abuse
3 people in residential treatment centers for emotionally disturbed children

Average gross adjusted income of non-migrant taxpayers in this county in 2005 was $52,932.

12.46% of this county's 2006 resident taxpayers lived in other counties in 2005 ($36,829 average adjusted gross income)

Here:	12.46%
Virginia average:	11.06%

0.26% of residents moved from foreign countries ($273 average AGI)
Richmond city: 0.26%
Virginia average: 0.41%

8.96% relocated from other counties in Virginia ($25,306 average AGI)
3.24% relocated from other states ($11,250 average AGI)
Richmond city: 3.24%
Virginia average: 4.24%

Percentage of residents relocating from other counties or countries

Top counties from which taxpayers relocated into this county between 2005 and 2006:

from Henrico County, VA	3.26% ($36,315 average AGI)
from Chesterfield County, VA	2.29% ($32,676)
from Hanover County, VA	0.36% ($33,281)
from Fairfax County, VA	0.28% ($38,933)
from Virginia Beach city, VA	0.16% ($39,431)
from Petersburg city, VA	0.11% ($23,974)
from Powhatan County, VA	0.10% ($40,690)

12.57% of this county's 2005 resident taxpayers moved to other counties in 2006 ($44,440 average adjusted gross income)

Here:	12.57%
Virginia average:	10.78%

0.07% of residents moved to foreign countries ($193 average AGI)
Richmond city: 0.07%
Virginia average: 0.22%

9.50% relocated to other counties in Virginia ($33,314 average AGI)
3.00% relocated to other states ($10,933 average AGI)
Richmond city: 3.00%
Virginia average: 4.13%

Percentage of residents relocating to other counties or countries

Top counties to which taxpayers relocated from this county between 2005 and 2006:

to Henrico County, VA	4.06% ($44,791 average AGI)
to Chesterfield County, VA	2.96% ($40,801)
to Hanover County, VA	0.33% ($45,043)
to Fairfax County, VA	0.15% ($37,185)
to New York County, NY	0.10% ($55,338)
to Virginia Beach city, VA	0.10% ($43,191)
to Petersburg city, VA	0.09% ($27,576)

Births per 1000 population from 1990 to 1999: 16.0
Births per 1000 population from 2000 to 2003: 15.7

Births per 1000 population in Richmond city

Deaths per 1000 population from 1990 to 1999: 12.5
Deaths per 1000 population from 2000 to 2003: 12.1

Deaths per 1000 population in Richmond city

Infant deaths per 1000 live births from 1990 to 1999: 14.6
Infant deaths per 1000 live births from 2000 to 2003: 15.6

Infant deaths per 1000 live births in Richmond city

Persons enrolled in hospital insurance and/or supplemental medical insurance (Medicare) in July 1, 2003: 36,435 (29,914 aged, 6,521 disabled)
Population without health insurance coverage in 2000: 17%
Children under 18 without health insurance coverage in 2000: 15%

Short term general hospitals per 100,000 population in 2004: 3.64
Short term general hospital admissions per 100,000 population in 2004: 60427.86
Short term general hospital beds per 100,000 population in 2004: 1510.700
Emergency room visits per 100,000 population in 2004: 169728.41

General practice office based MDs per 100,000 population in 2005: 1654.480
Medical specialist MDs per 100,000 population in 2005: 1166.810
Dentists per 100,000 population in 1998: 12.39

Total births per 100,000 population, July 2005 - July 2006 : 48.93
Total deaths per 100,000 population, July 2005 - July 2006: 121.790

Limited-service eating places per 100,000 population in 2005 : 11.35
Beer, wine & liquor stores per 100,000 population in 2005: 1

Household type by relationship

Households: 186,529

In family households: 135,270 (23,052 male householders, 21,173 female householders)
23,646 spouses, 47,467 children (44,345 natural, 1,205 adopted, 1,917 stepchildren), 6,402 grandchildren, 2,804 brothers or sisters, 1,396 parents, 4,237 other relatives, 5,093 non-relatives
In nonfamily households: 51,259 (17,444 male householders (13,146 living alone)), 22,897 female householders (18,642 living alone)), 10,918 nonrelatives
In group quarters: 11,261 (2,886 institutionalized population)

Size of family households: 19,779 2-persons, 11,371 3-persons, 7,326 4-persons, 3,472 5-persons, 1,416 6-persons, 861 7-or-more-persons.

Size of nonfamily households: 31,788 1-person, 7,017 2-persons, 1,114 3-persons, 299 4-persons, 79 5-persons, 33 6-persons, 11 7-or-more-persons.

93.3% of residents of Richmond city speak English at home.
3.5% of residents speak Spanish at home (50% speak English very well, 20% speak English well, 20% speak English not well, 9% don't speak English at all).
1.9% of residents speak other Indo-European language at home (69% speak English very well, 19% speak English well, 12% speak English not well).
0.8% of residents speak Asian or Pacific Island language at home (53% speak English very well, 28% speak English well, 16% speak English not well, 3% don't speak English at all).
0.5% of residents speak other language at home (80% speak English very well, 14% speak English well, 6% speak English not well).

In fiscal year 2004:
Federal Government expenditure: $4,160,844,000 ($21615 per capita)
Department of Defense expenditure: $369,570,000
Federal direct payments to individuals for retirement and disability: $1,072,474,000
Federal other direct payments to individuals: $437,066,000
Federal direct payments not to individuals: $25,936,000
Federal grants: $1,788,118,000
Federal procurement contracts: $237,104,000 ($87,889,000 Department of Defense)
Federal salaries and wages: $600,145,000 ($206,139,000 Department of Defense)
Federal Government direct loans: $269,886,000
Federal guaranteed/insured loans: $96,249,000
Federal Government insurance: $56,416,000

Population change from April 1, 2000 to July 1, 2005:
Births: 16,973

Here:	88 per 1000 residents
State:	70 per 1000 residents

Deaths: 12,514

Here:	65 per 1000 residents
State:	40 per 1000 residents

Net international migration: +2,406

Here:	+12 per 1000 residents
State:	+18 per 1000 residents

Net internal migration: -10,695

Here:	-55 per 1000 residents
State:	+14 per 1000 residents

Population growth in Richmond city

Total withdrawal of fresh water for public supply: 89.03 millions of gallons per day (all from surface)

Median number of rooms in houses and condos:

Here:	6.5
State:	6.6

Median number of rooms in apartments:

Here:	4.0
State:	4.3

Year house built:

1999 to March 2000: 284
1995 to 1998: 1,042
1990 to 1994: 1,875
1980 to 1989: 6,769
1970 to 1979: 13,151
1960 to 1969: 14,566
1950 to 1959: 16,403
1940 to 1949: 12,063
1939 or earlier: 26,129

Rooms in owner-occupied houses in Richmond city, Virginia:
	1 room: 7 2 rooms: 128 3 rooms: 729 4 rooms: 2,548 5 rooms: 7,216 6 rooms: 9,145 7 rooms: 8,128 8 rooms: 5,619 9+ rooms: 5,490

Rooms in renter-occupied apartments in Richmond city, Virginia:
	1 room: 1,571 2 rooms: 4,617 3 rooms: 9,356 4 rooms: 13,446 5 rooms: 9,486 6 rooms: 4,056 7 rooms: 1,678 8 rooms: 799 9+ rooms: 530

Bedrooms in owner-occupied houses and condos in Richmond city:
	no bedroom: 45 1 bedroom: 922 2 bedrooms: 9,440 3 bedrooms: 18,503 4 bedrooms: 8,171 5+ bedrooms: 1,929

Bedrooms in renter-occupied apartments in Richmond city:
	no bedroom: 1,887 1 bedroom: 14,702 2 bedrooms: 20,050 3 bedrooms: 6,753 4 bedrooms: 1,840 5+ bedrooms: 307

Cars and other vehicles available in Richmond city in owner-occupied houses/condos:
	no vehicle: 3,495 1 vehicle: 14,343 2 vehicles: 14,986 3 vehicles: 4,829 4 vehicles: 1,099 5+ vehicles: 258

Cars and other vehicles available in Richmond city in renter-occupied apartments
	no vehicle: 14,789 1 vehicle: 21,370 2 vehicles: 7,322 3 vehicles: 1,573 4 vehicles: 342 5+ vehicles: 143

49% of Richmond city residents lived in the same house 5 years ago.
Out of people who lived in different houses, 51% lived in this county.
Out of people who lived in different counties, 64% lived in Virginia.

Richmond city:	49.1%
State average:	53.8%

Place of birth for U.S.-born residents:

This state: 132899
Northeast: 18511
Midwest: 6446
South: 26988
West: 3427

Median price asked for vacant for-sale houses in 2000: $67,900

Housing units lacking complete plumbing facilities: 1%

Housing units lacking complete kitchen facilities: 1%

Year Householders Moved Into Unit:

Most commonly used house heating fuel in houses and condos:
	Utility gas (49.6%) Fuel oil, kerosene, etc. (32.3%) Electricity (16.1%) Bottled, tank, or LP gas (1.4%)

Most commonly used house heating fuel in apartments:
	Utility gas (56.4%) Electricity (30.3%) Fuel oil, kerosene, etc. (9.1%) Bottled, tank, or LP gas (2.1%) Other fuel (1.0%) No fuel used (0.9%)

Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 2,549

Here:	12.7%
Virginia:	9.5%

Students in private schools in grades 9 to 12 (high school): 1,047

Here:	11.9%
Virginia:	8.2%

Students in private undergraduate colleges: 4,373

Here:	28.7%
Virginia:	20.6%

Educational Attainment

School Enrollment by Level of School

Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninst.)

Supplemental Security Income (SSI) - Total Number Of Recipients

Supplemental Security Income (SSI) - Number of aged recipients

Supplemental Security Income (SSI) - Number of blind and disabled recipients

Supplemental Security Income (SSI) - Number of recipients under 18

Supplemental Security Income (SSI) - Number of recipients between 18 and 64

Supplemental Security Income (SSI) - Number of recipients older than 64

Supplemental Security Income (SSI) - Number of recipients also receiving OASDI

Supplemental Security Income (SSI) - Amount of payments (thousands of dollars)

Richmond city Fatal accident statistics for 1975 - 2008:

Fatal accident count (per 100,000 population)

Vehicles involved in fatal accidents (per 100,000 population)

Fatal accidents caused by drunken drivers (per 100,000 population)

Fatalities (per 100,000 population)

Persons involved in fatal accidents (per 100,000 population)

Pedestrians involved in fatal accidents (per 100,000 population)

	A) FHA, FSA/RHS & VA Home Purchase Loans		B) Conventional Home Purchase Loans		C) Refinancings		D) Home Improvement Loans		E) Loans on Dwellings For 5+ Families		F) Non-occupant Loans on < 5 Family Dwellings (A B C & D)		G) Loans On Manufactured Home Dwelling (A B C & D)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 65 full tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	223	$158,812	3,485	$179,576	3,428	$147,629	584	$90,627	44	$2,640,659	1,618	$132,357	5	$105,600
APPLICATIONS APPROVED, NOT ACCEPTED	12	$153,583	390	$152,690	763	$128,959	137	$66,358	0	$0	254	$114,626	2	$21,500
APPLICATIONS DENIED	27	$171,444	898	$142,631	3,199	$132,044	618	$54,115	2	$605,000	808	$131,911	12	$60,333
APPLICATIONS WITHDRAWN	38	$142,079	444	$167,475	1,433	$133,622	107	$100,664	7	$2,154,429	291	$135,326	3	$151,000
FILES CLOSED FOR INCOMPLETENESS	3	$178,000	120	$170,075	366	$152,178	37	$105,676	0	$0	76	$124,408	0	$0

Choose year: 2007 2006 2005 2004 2003 2002

	A) Conventional Home Purchase Loans		B) Refinancings		C) Non-occupant Loans on < 5 Family Dwellings (A & B)		D) Loans On Manufactured Home Dwelling (A & B)
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 63 full tracts)
	Number	Average Value	Number	Average Value	Number	Average Value	Number	Average Value
LOANS ORIGINATED	907	$166,456	274	$164,248	218	$129,945	1	$212,000
APPLICATIONS APPROVED, NOT ACCEPTED	110	$171,782	54	$201,870	33	$163,000	0	$0
APPLICATIONS DENIED	16	$238,375	7	$144,857	13	$136,308	0	$0
APPLICATIONS WITHDRAWN	50	$158,280	27	$203,370	16	$125,375	0	$0
FILES CLOSED FOR INCOMPLETENESS	6	$106,833	4	$163,750	3	$119,333	0	$0

Choose year: 2007 2006 2005 2004 2003 2002

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

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