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In Somerset residents live in 4,861 "housing units" (houses, condos, rentals, etc.). According to the 2000 census, 54% of the housing in the city was owner-occupied.
As with most places, mortgages are a fact of life for home owners in Somerset; 50% of houses there have a mortgage. If you're thinking about using a second mortgage or home equity loan on your place in the city, you're not alone. About 13% of home owners have done that.
Mortgage and interest rate quotes for the Somerset area (or anywhere else you choose in the US) are available, without obligation or credit checks:
| Category | Value |
|---|---|
| Homes With No Mortgage | 50% |
| With A Mortgage | 50% |
| First Mortgage Only | 37% |
| Second Mortgage or Home Equity Loan | 13% |
| Second Mortgage Only | 7% |
| Home Equity Loan Only | 6% |
| Category | Value |
|---|---|
| Owner Costs as % of Income | 13.8% |
| Median Real Estate Taxes (2000) | $396 |
| Category | Value |
|---|---|
| Total Occupied | 4,861 |
| 1-Person Households | 38% |
| 2-Person Households | 31% |
| 3-Person Households | 16% |
| 4-Person Households | 11% |
| 5-Person Households | 3% |
| 6-Person Households | 1% |
| 7+-Person Households | 1% |
| Category | Value |
|---|---|
| Median Year Built | 1965 |
| Median Year Built (Owner Occupied) | 1958 |
| Median Year Built (Renter Occupied) | 1974 |
| Category | Value |
|---|---|
| Using Utility Co. Gas Heat | 71% |
| Using Bottled/Tank Gas Heat | 2% |
| Using Electric Heat | 23% |
| Using Oil Heat | 2% |
| Using Coal | 0% |
| Using Wood Heating | 1% |
| Using Solar Heat | 0% |
| Other Heating | 0% |
| No Heating | 0% |
| Category | Value |
|---|---|
| No Bedrooms | 0% |
| 1 Bedroom | 1% |
| 2 Bedrooms | 30% |
| 3 Bedrooms | 43% |
| 4 Bedrooms | 20% |
| 5+ Bedrooms | 6% |
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