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B~usiness service firms and hospitals accounted for nearly half of tile service jobs in Santa Aha. Gains in government employment in 1972 were confined to the local level--City, County, and public schools. Construction activity proceeded at a brisk pace in 1972 requiring 400 more workers thsn the total for 1971. The insurance industry comprised well over half of thc 7,000 jobs in the finance-insurance-real estate complex in July 1072, but all three components experienced substantial gains from 1971. .INCOME: The median family income in the Orange County Housing Market Areawas estimated to be $15, 061 on August 1, 1974, a twenty-three percent increase over the 1969 median family income of $12,244. This median income will probably increase at a faster rate than in the previous few years because over 50 percent of the new housing units are in the $50, 000 plus range. This means that a selection process is occurring--only families with high incomes will be able to buy homes and reside in Orange County. The income of renter hOUseholds in Orange County was estimated to be $9, ?38 on August 1, 1974, approximately $5, 323 less than the 1974 income for all families (owner and renter families). The median income of households (families and unrelated individuals) was estimated to be $12,981. The median family income in the Santa Ana Housing Submarket Area was estimated to be $12,037, a nineteen percent increase over the 1969 median family income of $10, 115. The median family income of Santa Aha residents appears to be lagging behind Orange County for a number of reasons. First, there is a higher ratio of low cost housing in Santa Aha. This housing tends to attract low income people. Second, approximately four times as many apartment units than single family homes have been constructed in Santa Aha since 1970. These units have attracted more renters than owners. Renter units tend to be occupied more by lower income people as compared with owner or single family units. Third, there has been an increase in minority groups in the southwestern portion of the city. These groups, Black and Chicano, are usually members of the working class and earn lower incomes. Finally, the current high unemployment throughout the County has struck Santa Ana's families harder than other County residents. There is a higher ratio of families with presently unemployed wage earners in Santa Ana than in the County as a whole. The lower income group in Santa Ana is being hit hardest by unemploy- ment. As reflected in Table IV- 6, the percentage dis- tribution'of family income before taxes reflects a higher percentage of unemployed families making under $4, 000 than in 1969. The table also reflects a movement of higher income families, those making more than $15, 000, 000056