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A cooperative is a type of ownership whereby a group of housing units is owned by a corporation of member-owners. Each individual member is entitled to occupy or rent out an individual housing unit and is a shareholder in the corporation that owns the property, but does not own the unit directly. The corporation may have a mortgage on the whole group of units. The member may have a loan or mortgage to buy his or her shares in the corporation. In many cases, residents living in housing units classified as "cooperatives" often do not pay separate utility bills. They pay a "co-op fee" that includes payment for various utilities.

In the American Community Survey (ACS), if you live in this type of situation, estimate the amount for each utility included in the "co-op fee," and enter those amounts in question 11 of the housing section.

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