Question About Table B25100 MORTGAGE STATUS BY RATIO OF VALUE TO HOUSEHOLD INCOME IN THE PAST 12 MONTHS

I find the subject definitions very helpful to have on hand when working with the ACS data:
https://www.census.gov/programs-surveys/acs/technical-documentation/code-lists.html

from that document:
Mortgage Status

The data on mortgage status were obtained from Housing Questions 22a and 23a in the 2019 American Community Survey (ACS). The questions were asked at owner-occupied units. “Mortgage” refers to all forms of debt where the property is pledged as security for repayment of the debt, including deeds of trust; trust deeds; contracts to purchase; land contracts; junior mortgages; and home equity loans.

A mortgage is considered a first mortgage if it has prior claim over any other mortgage or if it is the only mortgage on the property. All other mortgages (second, third, etc.) are considered junior mortgages. A home equity loan is generally a junior mortgage. If no first mortgage is reported, but a junior mortgage or home equity loan is reported, then the loan is considered a first mortgage.

In most data products, the tabulations for “Selected Monthly Owner Costs” and “Selected Monthly Owner Costs as a Percentage of Household Income” usually are shown separately for units “with a mortgage” and for units “not mortgaged.” The category “not mortgaged” is comprised of housing units owned free and clear of debt.

Mortgage status provides information on the cost of home ownership. When the data is used in conjunction with mortgage payment data, the information determines shelter costs for living quarters. These data can be used in the development of housing programs aimed to meet the needs of people at different economic levels.

oh.. and you may find the quesionnaire helpful, too. I always have a copy of that on hand as well. 
www.census.gov/.../questionnaire-archive.2019.html

hope that helps!
-Jami

. In B2500, even those with no mortgage have a ratio of value to household income.  So,, the value is the estimated (by the respondent) value of the house.

Thanks. That makes sense. Should have been able to figure that out.