Poverty in Buffalo-Niagara is concentrated in urban areas. It is segregated and racialized. Poverty rates are higher among city-dwellers and people of color. But the number of whites living in poverty is higher than the number of people of color, and the number of people in poverty outside the cities is about equal to the number inside the cities. One major cause of poverty is jobs that do not pay enough. Other major causes include disability, unaffordable housing, and lack of public transit access to quality jobs.