Press flag Brown line: total number of moves by black people (aka buying houses) White line: total number of moves by white people This simulation does not perfectly simulate the environment during redlining and does not take in factors like: racism, bank intrest, lifespan, market crashes, college/university loans, inflation, taxes. This simulation simulates: loans, account balance, housing prices, earnings based on housing location. The simulation starts at 1865, which it the end of the civil war until 2020. The higher the person’s Y position is, the more the housing costs and the higher the earnings per year (which ranges from 0 to 40) Around every 10 years, a person attempts a move, costing the y position + 180 dollars. If a person still has loans, they cant buy the house. If they dont have enough balance in their bank, they can’t move. People who are subjected to loans will be able to loan up to 50 dollars. If loans are greater than 50, then people pay 2/3 to loans and 1/3 to their accounts. Otherwise if they have loans, they pay 1/2 and 1/2. People below 20 earnings after the 1930’s and before the 1970’s will be affected by redlining (aka no loans). The values needs to be tweaked and it isn’t a simulation for real life values. This is only to find correlation, not actual data (aka moves slowed down in a certain era)
There is an initial flatline for total of houses black people own. That is because they had to save up money especially when they had near to nothing at the end of the civil war. Then, their total houses rise until redlining strikes and their development gets greatly slowed. When redlining ends, development resumes, but the gap between white and black people increased.
