It has been more than five decades since the Fair Housing Act of 1968 outlawed housing discrimination on the basis of race, sex, national origin, and religion, and still segregation persists in some of America’s largest cities, with white Americans living in majority-white neighborhoods and Black Americans in majority-Black neighborhoods.
The patterns of segregation in many major metropolitan areas can be traced back to laws and legal racial housing policies of the early 20th century used to exclude Black residents from certain neighborhoods. Even after the Supreme Court began to ban explicitly racist zoning policies in the mid-20th century, governments used the federally-backed Home Owners’ Loan Corporation to continue segregation policies.
The HOLC created “residential security” maps according to investment risk, often redlining Black neighborhoods as “hazardous” areas. According to advocacy group National Community Reinvestment Coalition, 74% of the neighborhoods that the HOLC designated as high risk or “hazardous” are low-to-moderate income neighborhoods today, and 64% are minority neighborhoods.
Many of the most segregated cities experienced a period of economic decline starting in the 1960s as wealthy white families moved from the inner city to outlying suburbs, leaving behind families without the resources to move with a shrunken tax base and declining infrastructure.
To identify the most segregated cities in America, 24/7 Wall St. calculated the percentage of Black residents who live in predominantly Black census tracts — where at least 50% of the population is Black.
Nationwide, 19.5% of Black Americans live in majority-Black neighborhoods. Segregation often limits access to education and employment opportunities for residents of minority communities and contributes to racial disparities in urban areas.
One important lasting effect of the history of racial housing segregation is the resultant school funding disparities between schools in primarily Black neighborhoods and those in primarily white neighborhoods. While schools today are integrated, housing segregation and district gerrymandering means that primarily white school districts in some parts of the country stayed mostly white and consequently received better funding.
Adult residents of majority-Black neighborhoods in highly segregated cities are less likely to have a college education than residents of predominantly white neighborhoods, and they are twice as likely to be unemployed or to live in poverty. Due in part to these disparities, some of the most segregated cities in America also rank among the worst cities for Black Americans.
Sponsored: Find a Qualified Financial Advisor
Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to 3 fiduciary financial advisors in your area in 5 minutes. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests. If you’re ready to be matched with local advisors that can help you achieve your financial goals, get started now.