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Table 4: Effects of Being Homosexual versus Heterosexual Married and Cohabiting on Ratio<br />
of Mortgage to House Value: Young Couples<br />
Homosexual &<br />
Heterosexual<br />
Married<br />
Homosexual &<br />
Heterosexual<br />
Married<br />
Homosexual &<br />
Heterosexual<br />
Cohabiting<br />
Heterosexual<br />
Married &<br />
Cohabiting<br />
(1) (2) (3) (4)<br />
Dummy for Homosexual 2.594** 5.444*** -0.70 --<br />
(1.06) (1.27) (1.12)<br />
Dummy for Gay -- -5.345*** -- --<br />
(1.80)<br />
Dummy for Cohabiting -- -- -- 5.469***<br />
(0.64)<br />
Labor Income of Head -0.00004*** -0.00004*** -0.00006*** -0.00004***<br />
(0.00) (0.00) (0.00) (0.00)<br />
Labor Income of Partner 0.00001 0.00001* -0.00005*** 0.00<br />
(0.00) (0.00) (0.00) (0.00)<br />
No. Children Head -1.09 -1.79 1.218** 0.41<br />
(1.24) (1.27) (0.58) (0.37)<br />
No. Children Partner 0.87 1.57 0.41 -0.55<br />
(1.25) (1.27) (0.55) (0.38)<br />
Age of Head -0.507*** -0.507*** -0.13 -0.475***<br />
(0.07) (0.07) (0.14) (0.08)<br />
Age of Partner -0.08 -0.08 -0.09 -0.07<br />
(0.05) (0.05) (0.14) (0.05)<br />
Education of Head -11.07*** -11.07*** -15.78*** -12.18***<br />
(1.35) (1.35) (3.61) (1.34)<br />
Education of Partner -2.44*** -2.44*** -4.183** -3.039***<br />
(0.81) (0.81) (1.95) (0.79)<br />
1990 Income of Head 0.00 0.00 -0.00008* 0.00004*<br />
(0.00) (0.00) (0.00) (0.00)<br />
1990 Income of Partner -0.00015*** -0.00015*** -0.0001 -0.00022***<br />
(0.00) (0.00) (0.00) (0.00)<br />
Dummy Move In -1.409*** -1.405*** 4.02*** -0.575*<br />
(0.31) (0.31) (0.93) (0.30)<br />
Number of observations 89,062 89,062 17,048 102,002<br />
Estimated coefficients, S.E. (in paranthesis) clustered by recoded PUMA.<br />
* ; ** ; *** significant at 10 %, 5%, 1 %.<br />
Regressions run with the covariates described in Section 3.<br />
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