The current FFIEC Census File uses the 2020 Census Demographic and Housing Characteristics (DHC) file for the majority of the population-related fields and the 2016-2020 American Community Survey (ACS) for most of the remaining fields.
Changes for Historical Files | Census Demographic Information | Census Income Information | Census Population Information | Census Housing Information
2024 – FFIEC data was updated to incorporate the MSA/MD boundary changes from OMB Bulletin 23-01.
County changes
All 8 counties in Connecticut were replaced with 9 new planning regions as per the Federal Register Notice released on June 6, 2022. These changes are now incorporated into the FFIEC data.
2023 – FFIEC flat files were updated to use DHC data in place of Redistricting data. Fields for the four island areas were also populated. Redistricting data field numbers are still included in the documentation for ease of use.
2022 – Changes to several of the ACS tables used by the FFIEC have resulted in significant changes to the fields available in the 2022 Census Reports. Please review the flat file definitions documentation carefully. Additionally, the 2020 Demographic Housing Characteristics (DHC) files are not yet available, so this year uses the 2020 Census Redistricting file where appropriate.
County changes
The Valdez-Cordova Census Area (02-261) in Alaska was split to form the Chugach Census Area (02-063) and the Copper River Census Area (02-066).
The following sections define the fields available via the FFIEC Online Census Data System.
Tract Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. This field is based on the tract median family income (MFI) % (defined below). If the tract MFI % is:
< 50% (but not 0%), then the income level is Low.
≥ 50% but < 80%, then the income level is Moderate.
≥ 80% but < 120%, then the income level is Middle.
≥ 120%, then the income level is Upper.
0%, then the income level is Not Known.
Distressed or Underserved Tract - A 'Yes' in this column indicates that the tract is designated as a Nonmetropolitan Middle-Income Distressed or Underserved geography based on criteria designated by federal banking and thrift regulators.
Distressed nonmetropolitan middle-income geographies are those located in counties with: (1) an unemployment rate of at least 1.5 times the national average; (2) a poverty rate of 20 percent or more; (3) a population loss of 5% or more in the 5-year period preceding the most recent decennial census; or (4) a population loss of 10% or more in the 10-year period preceding the most recent decennial census.
Underserved nonmetropolitan middle-income geographies are those designated with urban influence codes numbered 7, 10, 11, or 12 as defined by the Economic Research Service of the United States Department of Agriculture.
Tract Median Family Income % - This compares the tract level median family income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2020 tract MFI by the 2020 MSA/MD MFI. For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI.
2023 FFIEC Est. MSA/MD non-MSA/MD Median Family Income - This is the estimated median family income as determined by FFIEC for each MSA/MD in the United States and for each state’s non-MSA/MD area. It is derived using the U.S. Department of Housing and Urban Development’s (HUD) methodology published on its web site. This field changes annually.
2023 Est. Tract Median Family Income - This is the census tract’s estimated median family income for each year, based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract’s MFI % by the annual FFIEC MSA/MD MFI. This field changes annually.
2020 Tract Median Family Income - This is the census tract’s median family income based on the 2016-2020 ACS. It is updated every 5 years.
Tract Population - This is the census tract’s population based on the 2020 DHC file.
Tract Minority % - This is the percentage of the tract’s total population minus the white alone population according to the 2020 DHC file. It is calculated by dividing the minority population by the tract population.
Minority Population - This is the census tract’s total population minus the white alone population based on the 2020 DHC file.
Owner-Occupied Units - This is the number of housing units that were lived in by the owner of the unit. This number was determined by the 2016-2020 ACS.
1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, single-family homes, mobile homes, boats, RVs, and vans are included in this number. Apartment buildings are not included in this number. This number was determined by the 2016-2020 ACS.
Tract Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. This field is based on the tract median family income (MFI) % (defined below). If the tract MFI % is:
< 50% (but not 0%), then the income level is Low.
≥ 50% but < 80%, then the income level is Moderate.
≥ 80% but < 120%, then the income level is Middle.
≥ 120%, then the income level is Upper.
0%, then the income level is Not Known.
2020 MSA/MD MFI Statewide non-MSA/MD Median Family Income - This is the median family income for the MSA/MD in which the tract is located. If the tract is not in an MSA/MD, this MFI is for all portions of the state not in MSA/MDs. The values for MSA/MD MFI and statewide non-MSA/MD MFI are from the U.S. Census Bureau's 2016-2020 ACS 5-year estimates. It is updated every 5 years unless a boundary change released by OMB (and adopted by the FFIEC) results in a recalculation of the MFI.
2023 FFIEC Est. MSA/MD non-MSA/MD Median Family Income - This is the estimated median family income as determined by FFIEC for each MSA/MD in the United States and for each state’s non-MSA/MD area. It is derived using the U.S. Department of Housing and Urban Development’s (HUD) methodology published on its web site. This field changes annually.
% Below Poverty Line - This is the number of people in the tract living below the poverty level divided by the tract’s total population. This percentage was determined by the 2016-2020 ACS results and the Census' definition of the poverty level.
Tract Median Family Income % - This compares the tract level median family income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2020 tract MFI by the 2020 MSA/MD MFI. For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI.
2020 Tract Median Family Income - This is the census tract’s median family income based on the 2016-2020 ACS. It is updated every 5 years.
2023 Est. Tract Median Family Income - This is the census tract’s estimated median family income for each year, based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract’s MFI % by the annual FFIEC MSA/MD MFI. This field changes annually.
2020 Tract Median Household Income - This is the median income of all households in the tract based on the 2016-2020 ACS. Whereas a family is defined as two or more related persons living in the same residence, a household includes all residences, even those for single people or unrelated groups of two or more.
Tract Population - This is the census tract’s population based on the 2020 DHC file.
Tract Minority % - This is the percentage of the tract’s total population minus the white alone population according to the 2020 DHC file. It is calculated by dividing the minority population by the tract population.
Number of Families - This is the number of families in the tract as determined by the 2016-2020 ACS. A family is defined as two or more related people living together.
Number of Households - This is the number of households in the tract as determined by the 2016-2020 ACS. A household is any residence, including those occupied by single people and unrelated groups of two or more. By definition, all families are also considered households, but not all households are families.
Non-Hisp White Population - This is the number of people in the tract that listed themselves as non-Hispanic White on the 2020 DHC file.
Tract Minority Population - This is the census tract’s total population minus White alone population based on the 2020 DHC file.
American Indian Population - This is the number of people in the tract that listed themselves as non-Hispanic American Indian or Alaskan Native on the 2020 DHC file.
Asian/Hawaiian/Pacific Islander Population - This is the number of people in the tract that listed themselves as non-Hispanic Asian or Pacific Islander on the 2020 DHC file.
Black Population - This is the number of people in the tract that listed themselves as non-Hispanic Black/African-American on the 2020 DHC file.
Hispanic Population - This is the number of people in the tract that listed themselves as Hispanic only on the 2020 DHC file.
Other Population/Two or More Races - This is the number of people in the tract that listed themselves as non-Hispanic and some other race plus non-Hispanic and two or more races on the 2020 DHC file.
Total Housing Units - This is the total number of occupiable housing units in the tract as determined by the 2016-2020 ACS.
1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, single-family homes, mobile homes, boats, RVs, and vans are included in this number. Apartment buildings are not included in this number. This number was determined by the 2016-2020 ACS.
Median Housing Age (Years) - This is the median age of all housing units in the tract (as of 2020) as determined by the 2016-2020 ACS.
Inside Principal City? - This is a yes/no indicator of whether this tract is part of the MSA/MD's principal city.
Owner-Occupied Units - This is the number of housing units that were lived in by the owner of the unit as determined by the 2016-2020 ACS.
Vacant Units - This is the number of housing units that are not occupied as determined by the 2016-2020 ACS.
Owner-Occupied 1- to 4-Family Units - This is the number of housing units that have less than 5 residences and were occupied by the property owner as determined by the 2016-2020 ACS.
Renter Occupied Units - This is the number of housing units that are occupied by someone other than the owner as determined by the 2016-2020 ACS.
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Last Modified:
07/18/2024 8:47 AM