The creation of whites-only suburbs was intentional and racist. The Federal Housing Administration started in 1934 and helped back home loans for white Americans. It helped get them out of the cities and invest in home ownership. The FHA explicitly refused to back loans for black people or even people who lived near black people. [1]<p>The result was &quot;redlining,&quot; where banks and lenders would draw lines on a map to delineate where blacks were allowed to live and who could get home loans in the white neighborhoods. [2]<p>This is still something that happens now. The Atlanta Journal-Constitution won a Pulitzer in the &#x27;80s for a series demonstrating how banks would rather give money to a poor white family to buy a home in a &quot;white&quot; neighborhood than a middle- or even upper-class black family. [2]<p>You&#x27;re partially right in the sense that race and income are strongly correlated, but keeping black people out of the suburbs across the country was no accident.<p>If you&#x27;re interested in a long but fantastic read on the effects of discriminatory policies on minorities over the years, Ta-Nehisi Coates&#x27; &quot;The Case for Reparations&quot; is a good place to begin. [3]<p>[1]: <a href="http:&#x2F;&#x2F;www.theatlantic.com&#x2F;business&#x2F;archive&#x2F;2014&#x2F;05&#x2F;the-racist-housing-policy-that-made-your-neighborhood&#x2F;371439&#x2F;" rel="nofollow">http:&#x2F;&#x2F;www.theatlantic.com&#x2F;business&#x2F;archive&#x2F;2014&#x2F;05&#x2F;the-raci...</a><p>[2]: <a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Redlining" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Redlining</a><p>[3]: <a href="http:&#x2F;&#x2F;www.theatlantic.com&#x2F;magazine&#x2F;archive&#x2F;2014&#x2F;06&#x2F;the-case-for-reparations&#x2F;361631&#x2F;" rel="nofollow">http:&#x2F;&#x2F;www.theatlantic.com&#x2F;magazine&#x2F;archive&#x2F;2014&#x2F;06&#x2F;the-case...</a>