Michigan’s segregated past – and present (Told in 9 interactive maps)

flint remarks

Federal appraisers red-lined one north-side Flint neighborhood in 1937 and were clear in their reasons. (Click to enlarge.)

The words are startling to modern eyes.

Negro area. Old. Obsolete.

Shifting or infiltration: Jewish and Negro...

Negro homes all through the industrial area

Mixed poorer class...mostly laborers...Russian, Bohemian

These are U.S. government descriptions of neighborhoods in Kalamazoo, Detroit, Battle Creek and Pontiac in the 1930s, in language that makes it clear that “negro” homeowners were bad for real estate; that mixing races hurt home values, and that all-white neighborhoods needed protection from “lesser” populations.

How 'redlining' from the 1930s impacts housing patterns in 9 Michigan cities today:

African Americans and other minorities have long faced discrimination in the housing market –  from real estate agents, landlords and sellers. The federal government became an active part of that discrimination in the 1930s when it began to explicitly use race and ethnicity to determine whether homebuyers were eligible for government-backed loans, in effect keeping some neighborhoods white and confining blacks and other minorities to less desirable areas of American cities. During the post-World War II boom in housing –  and the wholesale creation of the suburbs –  blacks received just 2 percent of all loans –  despite representing 10 percent of the population –  and typically only in areas where other blacks lived.

The maps that follow show how the Home Owners’ Loan Corp. (HOLC), created to save a housing market wracked by Depression-era foreclosures, helped deepen segregation in nine Michigan cities. We then show modern maps of those cities, to show to what extent the legacy of government-sanctioned segregation remains today.

Interactive maps:

Battle Creek

Bay City


Grand Rapids






In identifying race, religion and ethnicity to help determine the creditworthiness of neighborhoods, the government made it near impossible for blacks and others to secure loans in “better” –  mostly white –  neighborhoods across Michigan. Government-sanctioned segregation also helped to shape areas of Bay City, Muskegon, Saginaw, Grand Rapids and Flint.

For anyone trying to understand why racial segregation persists today, the maps developed by the New Deal-era Home Owners’ Loan Corp. to stabilize the housing market reveal the active role government played, and its continuing legacy today, some eight decades later.

“(The maps)  are the Rosetta Stone of the American city,” said LaDale Winling, an assistant professor of history at Virginia Tech, who was part of a project that has made the old HOLC maps available online. Winling and others argue that HOLC maps, along with decisions by its New Deal cousin, the Federal Housing Administration, help explain the location of predominantly black neighborhoods that remain in many Michigan cities today.

Recently, Detroit Mayor Mike Duggan made a similar presentation to the state’s most powerful business and political leaders at the Mackinac Policy Conference, when he pointed out government policies from the 1930s that still affect the city, region and state.

"There was a conscious federal policy that discarded what was left behind and subsidized the move to the suburbs," Duggan said, later adding: "This is our history, and it's something we still have to overcome."

Blacks were largely blocked from federally-backed mortgages, not because of their incomes or credit scores, but because of their race. The division of neighborhoods into good and bad ‒ white and black ‒ persists in many Michigan cities and regions, with the Detroit and Saginaw areas among the most segregated in the nation today. Indeed, the term “redlining” stems from using the color red on maps to indicate low-income neighborhoods or those with African-American or foreign-born populations.

The 1930s didn’t represent the first time blacks would face discrimination in housing, who had long felt the sting of racism from landlords, real estate agents and homebuyers.

Tim Ready

Tim Ready has worked for a decade to heal Kalamazoo’s racial divide as director of the Walker Institute for the Study of Race and Ethnic Relations at Western Michigan University. Here he stands in a neighborhood given the highest rating (most credit-worthy) in 1937, off Long Road. It remains one of the finest in the city while others, judged “hazardous,” because of the presence of factories or “lower class” residents, including blacks and the foreign born, are today struggling with high poverty rates.

But HOLC’s appraisals, combined with the Federal Housing Administration’s discriminatory racial policies, gave those slights a legitimacy that would endure for decades, and would delay integration of the suburbs.

The language of government-sanctioned racism was perhaps most blunt in Flint. In one north Flint area, where 60 percent of residents were African-American and 40 percent foreign born in the 1930s, the HOLC appraisal made it crystal clear why it redlined the neighborhood:

“Undesirables,” the government appraisal read, “aliens and negroes.”

Historic but long-lasting

HOLC no longer exists and the FHA abandoned its race-based policies in the 1960s. But those policies locked in housing patterns and fostered the decades-long white flight that came to define regions like Detroit, establishing patterns that cannot be “undone” in a generation or two.

“If you were a white person buying a house in post-war America, you benefitted from this,” said David Freund, a professor at the University of Maryland whose 2007 book, “Colored Property: State Policy and White Racial Politics in Suburban America,” documented the role of HOLC and the FHA in cementing segregation.

HOLC was formed in 1933 and the FHA a year later. HOLC was created with the lofty purpose of helping lenders and borrowers crushed by the foreclosure crisis of the Depression by buying failing loans and extending the terms out over 10 to 15 years. The FHA would enlarge the government’s role by insuring new mortgages, greatly expanding the market by guaranteeing loans.

ladale winling

LaDale Winling, a West Michigan native and history professor at Virginia Tech, said the HOLC maps unlock the government’s role in housing segregation, calling the maps the “Rosetta Stone” of the American city.

In the process, HOLC created its “residential security maps” to standardize appraisals across the country. The FHA, meanwhile, promoted segregation by pushing for areas to be of “the same social and racial classes.” The agency was leary of both “inharmonious racial groups” and “an incompatible racial element.”

To that end, the HOLC sought “inhabitant” data on how many “foreign-born,” “relief families” and blacks lived there. Another section noted whether was an “infiltration” of “undesirable” groups.

In addition to blacks, the presence of Jews, Poles and Italians are frequently mentioned under “infiltration.” These last groups did not suffer loan discrimination for as long as blacks.

Kalamazoo, then and now

Driving around the neighborhood along Oakland and Winchell streets in Kalamazoo, you can see what the HOLC appraisers found attractive: nice homes on wide lots amid gently rolling hills. In the 1930s, it had something they also liked: it was all-white. No blacks or “foreigners” lived in the neighborhood.

joyce baugh

Growing up in the segregated South, Joyce Baugh thought the North was integrated. When attending grad school in Ohio, she realized that wasn’t always true and later came to see how the federal government’s housing policies fostered segregation across the country. She is a professor of political science and public administration at Central Michigan University.

It’s “favorable influences,” the HOLC noted, were transportation and good schools. And it was “restricted,” an indication by HOLC that deed restrictions on homes limited the neighborhood to whites only, Winling said. (The use of deed restrictions was first struck down by the U.S. Supreme Court in a 1948 decision.)

Today, the neighborhood is more integrated – roughly 10 percent of the population is black and a total of 20 percent non-white. But long-term investment in the neighborhood is telling, as are the schools.

At Winchell Elementary, just a third of students qualify for a subsidized lunch, compared with 62 percent across the entire Kalamazoo school district. And test scores are better as well: Compared with Lincoln International Studies elementary, about two miles north and east in a part of northern Kalamazoo that was deemed “hazardous” by HOLC, Winchell students performed far better, with double, triple and sometimes quadruple the percent of students proficient on state tests as those at Lincoln.

andrew highsmith

In the Flint region, the FHA insured tens of thousands of loans to whites in the city and suburbs from the 1930s into the 1960s, but only a few dozen to blacks, according to research by Andrew Highsmith, now a history professor at the University of California-Irvine. He sees the roots of today’s segregated Flint in the HOLC maps.

The Lincoln neighborhood in the 1930s was considered “hazardous,” a long-term risk for investment in part because it was nearby factories and congestion, but also because of the presence of “negroes” –  which then comprised just 10 percent of population.

On the appraisal form, under the section “trend of desirability next 10-15 years,” the appraisers wrote: “Hazardous. Alien and negro labor.”

Today, the Lincoln neighborhood is overwhelmingly African-American and poor. But across town, where the green-coded Oakland and Winchell area was deemed “best” in 1937, decades of continuous investment are apparent on almost every block.

“They looked great then and they look great now,” said Winling, who is familiar with Kalamazoo having grown up in the area and attended Western Michigan University. “That’s (the) intergenerational effect of housing investment” ‒ investment that wasn’t available for much of the past century in the red-shaded areas of Kalamazoo.

Tim Ready, a sociology professor at Western Michigan University, is director of the Walker Institute for the Study of Race and Ethnic Relations. For the past decade he has worked to stem the racial divide in the city as the institute held seminars and programs highlighting Kalamazoo’s racial problems and sought solutions, including summer math and science camps for minority students in grades 3-8.

As he drove around the city recently, he pointed out the good neighborhoods and the struggling ones in a tour that could have been predicted by 80-year-old maps.

“I have a sense of indignation about it,” Ready said. “But it’s kind of my mission to address these issues.”

winchell lincoln

Winchell Elementary School, top, sits in a neighborhood of southwest Kalamazoo that got the “best” rating by the Home Owners’ Loan Corp. (HOLC) in the late 1930s. The neighborhood remains among the best in the city and the school’s students are less poor and perform better than those across much of Kalamazoo, including at the Lincoln International Studies School in north Kalamazoo, bottom photo. The Lincoln area was deemed “hazardous” by HOLC and remains among the most poor in the city, with lower student test scores.

Wanting to cry

Born in 1959, Joyce Baugh grew up in segregated South Carolina and didn’t attend an integrated school until the state complied with desegregation efforts when she was in fifth grade. A professor of political science and public administration at Central Michigan University, she recalls being shocked at the segregation in the North when she came to Ohio to attend graduate school. An African American, she learned quickly it was a myth that only the South was segregated.

But it was years later, when researching a book on the landmark Milliken v. Bradley school desegregation case out of Detroit, in which the U.S. Supreme Court overturned a plan to bus students between Detroit and its suburbs, that Baugh saw the HOLC maps and read the neighborhood descriptions for cities across the country, not just the South.

“There are days you’re reading this stuff and you want to cry,” Baugh said.

Rejecting the criticisms of black leaders and others, HOLC and the FHA’s real estate economists put into federal policy what was then an accepted belief among whites, including academics: Home values could only be preserved if the races were kept separate. And even when separate, those neighborhoods with blacks were almost always considered the highest risk for investment and thus held the lowest value.

One neighborhood of Grand Rapids, just east of downtown, had several favorable factors, according to HOLC, including good access to transportation and good schools. It also had blacks – even “good” ones, apparently. “Negroes in area are of better type,” the HOLC appraisers wrote. It was still rated “hazardous” and shaded red.

The presence of blacks or “foreigners” weren’t the only reasons an area could get a “hazardous” rating. Neighborhoods across the country that lacked local zoning, paved roads and other urban infrastructure were downgraded. But while those things could change – city and rural leaders enact zoning regulations and improved infrastructure to secure higher FHA ratings and investment – people could not change their race, and the rules largely did not change in their favor.

In almost every area with even a handful of black families, the Home Ownership Loan Corp.’s residential security maps were colored red, meaning blacks could only get loans in segregated areas, and could not freely move beyond those areas with the aid of a government-backed mortgage, a benefit that was not denied to whites.

“Federal policy codified, sanctioned, and put tremendous force behind the theory that the mere presence of black people tainted a neighborhood and reduced its monetary value,” Freund wrote in “Colored Property.” “Meanwhile, selective credit programs created an economic environment that enabled whites to support racial exclusion while insisting, quite earnestly, that their preferences had nothing to do with prejudice.”

For all its exclusionary evils, HOLC and FHA’s entrance into the housing market was crucial to the explosion of home ownership nationally. While private loans at the time traditionally had to be paid off in five to six years, HOLC extended it to 10 and 12 years, an experiment that worked. Ultimately, the FHA would push the limit to 30 years and popularize the long-term mortgage we know today.

In Flint, the FHA insured tens of thousands of home loans for white families but only a couple dozen for blacks, many of whom had similarly good-paying jobs in the GM factories in town, said Andrew Highsmith, a professor at the University of California, Irvine, who studied Flint for his dissertation at the University of Michigan.

It has created neighborhoods that have consistently been eligible for millions in government support –  and others that have not.

“That’s how you get from 1935 to 2017. This isn’t ancient history,” said Winling “These are long-term effects and they were intended as such.”

The policies, Freund argues, created a country in which whites gained access to the wealth-generating effect of homeownership that largely eluded blacks. It’s largely blamed for the substantial wealth gap that exists today, with white households having, on average, 12 times more wealth than the $11,030 the average black household has.

“The home is the single greatest investment a person can make,” Winling said, and for blacks, that home had to be bought largely in strictly defined areas. The idea of moving freely across a region was ridiculous to most blacks consigned by HOLC and the FHA to narrow strips of Detroit and other cities.

Finding solutions

Understanding the past, and it’s rough edges, is essential to solving lingering problems, Freund said, even if it makes people uncomfortable. ”I want people to make claims and fashion policies that are honest about this past,” Freund said.

That’s what made Mayor Duggan’s speech revelatory: As he pushes his administration to avoid the trap of “Two Detroits,” he’s doing so while acknowledging –  and asking others to acknowledge –  the past. (Admittedly, he’s also running for reelection against an opponent, Coleman Young Jr., who has hammered Duggan about the city’s “forgotten neighborhoods.”)

While lauding development in Midtown and Downtown, Duggan has repeatedly reached out to the city’s other neighborhoods, and his development “principles” call foran end to “economic segregation by pushing jobs into all neighborhoods.”

Altering long-term segregation has proven difficult. Some communities have tried, notably Shaker Heights, Ohio, and Oak Park, Illinois, a suburb of Chicago. And others are enacting and enforcing fair housing ordinances, offering home purchase assistance, promoting regional solutions to housing (requiring communities to set aside land for affordable housing) and experimenting with scattered site public housing, which has shown positive effects.

We live in the communities that we create. For most that means neighborhood block parties and attendance at the local PTA meetings. But it also means the policies that government enact. Fixing segregation by creating the cities of tomorrow may also take political action.

“You have to recognize and realize that if you want to change the current dynamic,” CMU’s Baugh said, “then you have to figure out public policy to address the problems.”

Facts matter. Trust matters. Journalism matters.

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R. Witherspoon
Tue, 08/08/2017 - 9:21am

It is good that this type of dialogue is taking place. We need to be honest, and stop trying to just blame federal housing policy. The federal policy reflects what a significant number of Americans desired and supported in the past, and are seeking to strengthen today as they "make America great again." "Turning Detroit around" is a continuation of the past. This is not just Detroit, it's America. Race is still the most critical factor determining economic development or redevelopment. Placing blame on federal housing policy makes it a lot easier for those decision makers to say that we have a problem. Segregated housing in America is as old as the nation. It goes hand in hand with lack of educational and economic opportunity. The federal policy and practices reflects who we are as a society.

Tue, 08/08/2017 - 10:16am

Great article. The story continues to unfold and without understudying the past we often misunderstand the current situation.

One of the keys to this story are the deed restrictions which prohibited Blacks (and others) from even purchasing a home, let alone being integrated into society.

In addition, White dominated governments were able to exercise eminent domain over Black housing areas and other areas of low income housing with impunity, allowing the razing of huge tracts of lands and viable homes and businesses all in the name of "progress"

When we look at the culture around us we have to realize that there are soem who are still alive who grew up with this mindset and they have greatly influenced their children and grandchildren, who still have these views. Many of them are quick to point out that minorities "receive favoritism" when in fact they are still trying to recover form government mandated and enabled segregation and poverty

Good job on helping to bring these issues to life

Tue, 08/08/2017 - 2:18pm

You raise a good point about eminent domain. The Black Bottom/ Paradise Valley neighborhood is a shining example of that--a thriving black business and residential district demolished to put in I-75, displacing tens of thousands of households. Very likely would not have been done if it were a white district.

Fri, 08/11/2017 - 7:59pm

Same thing happened in Lansing when they put in I-496. They plowed it through the heart of Lansing's black community. Red-lining also affected one of our notable residents: Malcolm X's parents were forced to vacate a house in a deed-restricted area.

Tue, 08/08/2017 - 2:19pm

Very informative and eye-opening article. Thank you.

Tue, 08/08/2017 - 2:37pm

Its great that Duggan is talking the talk about race and housing policy, but sadly he is not walking the walk. You neglect to mention how he has handled the ongoing foreclosure crisis in Detroit. This is the modern outcome of years of racist housing policy and lending, and is stripping Detroit's primarily black families of the first opportunity in decades to accumulate wealth through homeownership in the city. The first step to correcting the errors of the past is making sure our current structures do not replicate them.

Kevin Grand
Wed, 08/09/2017 - 6:07am

For a society that purportedly has moved on beyond something as passé as "race", I keep seeing way too many media outlets (including The Bridge) focusing on that very item.

You cannot have it both ways.

Ann Farnell
Thu, 08/10/2017 - 9:55pm

Kevin Grand: who purported THAT? Obviously, not true

Fri, 08/11/2017 - 2:33pm


What law, what government rule/regulation, what business practice, what society structure exists today that discriminates against an ethnic group, a gender, a lifestyle?

What law, business protocol, what social practice needs to be changed?

What ethnic group, gender, lifestyle, etc.is being denied opportunities [not results] to improve their situations?

If there are none, that would suggest that 'society' that no just race but the other criteria are 'passes'. I will not deny results by individuals are different, there are many factors such as local culture that impacts that, but does not mean there isn't equal opportunity.

David Waymire
Sun, 08/13/2017 - 8:42am

Only a willfully obtuse person believes discrimination is in the past. If you sent two equally prepared young men, one white and one black, into hiring situations, I guarantee you the white kid would get the job mote often. Read this study that did just that. We used to do these pairings for housing discrimination and should go back to it. https://scholar.harvard.edu/files/bonikowski/files/pager-western-bonikow...

Erwin Haas
Wed, 08/09/2017 - 5:16pm

You ignore the history and mechanism for this abomination; it started with deed restrictions and when these became unfashionable, were replaced with zoning. (Mayor Stapleton in Denver started housing zoning (1926)
and outed himself as a card carrying KKK member the next year.) Making housing discrimination unlawful did nothing since zoning now leads to economic discrimination.
A distinction without a difference.

Thu, 08/10/2017 - 11:15pm

I suggest Mr. Wilkinson do some additional reading. The pattern of ethnic groups assimilation thru Detroit was being taught at WSU decades ago. He may want to interview sociologist at Wayne State along with reading authors that look at how the ethnic groups act and how the communities act.
I would encourage Mr. Wilkinson read Wealth, Poverty and Politics by Thomas Sowell, which describes how cultural groups assimilate and how some groups are slower than others. The Irish assimilation is more indicative of the Negro/Black ethnic group path to assimilation, where the politicians gained political influence at the cost of the group assimilation. Encourage reading Outlier by Malcolm Gladwell, which describes how the group culutre influences the group members choices and actions and how that can inhibit the educational and financial development of individuals and the group.
What Mr. Wilkinson seems to see as unique to today and the black community is consistent with other ethnic groups in American history and ethnic groups in other countries and regions and even in their native lands. The reality there are cultural sub groups within an ethnic group that act toward other sub groups much like we see with ethnic groups new to an area.
The question should be how can both those with in the ethnic group change their action to accelerate their assimilation and for the establish communities help the new group to be assimilated.

Mrs A.
Fri, 08/11/2017 - 1:36am

Mike Wilkinson - thank you for sharing this revealing report and especially for including maps of so many cities throughout Michigan rather than focusing just on Detroit, as stories about race often do. A bit of advice -- proofread your copy. Several grammatical errors and typos distract from the authority of your writing voice.

T Flick
Sat, 04/28/2018 - 8:20am

I have heard that there are some racist housing policies still officially on the books (but not in practice) in Portage, MI. Does anyone know how I could find that out for sure? What would be my first research step? Thank you!

Tue, 06/19/2018 - 8:45am

I owned a house in East Lansing Michigan and the deed (written by the 1950's developer) stated that an owner of the property was prohibited from selling the home to a black or Jewish homeowner. The Fair Housing Act was passed in 1968 which prohibits that clause from being legal; but it is part of the property, neighborhood and history of the community.

To find the history in your own community, could you ask the Historical Society or Library?