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35 <br /> <br />burdened residents, housing tenure issues, and access to resources. Indicators were <br />measured and scored using the method developed by the Metropolitan <br />Transportation Commission (MTC) to identify Communities of Concern (CoC). This is <br />meant to identify block groups with higher than average concentrations of the <br />particular indicator and therefore may have higher concentrations of vulnerability. <br />The following table includes the ten indicators that contribute to the vulnerability of <br />people and households. <br />Figure 3-3 Community Vulnerability Characteristics <br />Indicator Measure <br />Housing cost burden % household monthly housing >50% of gross monthly income <br />Transportation cost burden % household monthly transportation costs >5% of gross monthly income <br />Home ownership % not owner occupied housing <br />Household income % households with income less than 50% AMI <br />Education % persons without a high school diploma >18 years <br />Racial/Cultural Composition % non-white <br />Transit dependence % households without a vehicle <br />Non-English speakers % households where no one ≥ 15 speaks English well <br />Age – Young children % young children under 5 years <br />Age – Elderly % elderly, over 75 years <br />74