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This study examines elderly owned housing in the City of Cleveland and its suburbs to determine how the process of cumulative inertia is influencing the condition of their housing. Data derived from the 1987 Cuyahoga County Assessor's Mass Residential Appraisal File and Senior Citizen Homestead Exemption Master File are used in discriminant analyses to test several statistical models. The results show that in census tracts where the average percentages of elderly persons and elderly homeowners are greater than that of the county, elderly owned properties are experiencing declining appraised property values and many of them are falling into disrepair. In total, some 35,881 elderly owned structures in Cleveland and 2,114 in the suburbs are at risk because these units have exterior conditions that are rated as poor to fair in condition.
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