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 | 0.47 (0.36–0.60)a | 0.53 (0.38–0.74)a | 0.41 (0.30–0.56)a | 0.36 (0.26–0.49)a |
 Mortgage-free owners | 0.16 (0.10–0.24)b | 0.26 (0.16–0.41)b | 0.31 (0.19–0.50)a | 0.31 (0.19–0.50)a |
After-tax income†| – | 0.93 (0.91–0.95) | – | – |
After-housing income†| – | – | 0.94 (0.92–0.96) | – |
Housing-to-income ratio†| – | – | – | 1.10 (1.05–1.14) |