Independent variables | Unadjusted model | Covariates* + after-tax income | Covariates* + after-housing income | Covariates* + housing-to-income ratio |
---|---|---|---|---|
OR (95% CI) | aOR (95% CI) | aOR (95% CI) | aOR (95% CI) | |
Homeownership status | ||||
 Renters | 1.00 | 1.00 | 1.00 | 1.00 |
 Owners with mortgage | 0.33 (0.26–0.41)a | 0.51 (0.39–0.68)a | 0.43 (0.33–0.56)a | 0.31 (0.24–0.41)a |
 Mortgage-free owners | 0.11 (0.08–0.16)b | 0.23 (0.16–0.35)b | 0.26 (0.17–0.39)b | 0.25 (0.17–0.39)a |
After-tax income†| – | 0.96 (0.95–0.97) | – | – |
After-housing income†| – | – | 0.96 (0.95–0.97) | – |
Housing-to-income ratio†| – | – | – | 1.13 (1.09–1.17) |