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<br />Affirmatively Furthering Fair Housing City of Pleasanton | F-37 <br />Figure F-20: Overpayment by Percentage of Owner Households (2015 – 2019) <br /> <br />Source: HCD AFFH Geospatial Data <br /> <br />According to the Housing Needs Assessment, people of color are more likely to experience poverty <br />and financial instability as a result of federal and local housing policies that have historically <br />excluded them from the same opportunities extended to White residents. As a result, they often <br />pay a greater percentage of their income on housing, and in turn, are at a greater risk of housing <br />insecurity. In Pleasanton, American Indian or Alaska Native, Non-Hispanic residents are the most <br />cost burdened with 40.4 percent spending 30 to 50 percent of their income on housing (compared <br />to 17 percent of White residents), and Other Race or Multiple Races, Non-Hispanic residents are <br />the most severely cost burdened with 30.5 percent spending more than 50 percent of their income <br />on housing (compared to 12 percent of White residents). <br />Overcrowding <br />Overcrowding is defined by the Census as a unit in which more than one person occupies a room <br />(excluding bathrooms and kitchens) while severe overcrowding occurs when more than 1.5 people <br />occupy a room. Overcrowded households are an indicator of housing needs, as lower income