Selected monthly home-ownership costs as a percent of household income (SMOCAPI) with mortgage is the percent of household income that is allocated to selected housing costs. According to the US Census Bureau, Selected monthly owner costs are calculated from the sum of payment for mortgages, real estate taxes, various insurances, utilities, fuels, mobile home costs, and condominium fees. When this measure exceeds 30%, the household is often living at risk of financial catastrophe. These individuals are often living in either poverty or near poverty. For example, the United Way describes asset limited, income constrained, and employed (ALICE) individuals as living from pay check to pay check, struggling to afford necessities, and often one crisis away from poverty.