Today, a number of whites are willing, and are able, to pay a premium to live in a predominantly white neighborhood. Equivalent housing in white areas commands a higher rent. By bidding up the price of housing, many white neighborhoods again effectively shut out blacks, because blacks are unwilling, or unable, to pay the premium to buy entry into white neighborhoods. While some scholars maintain that residential segregation has continued—some sociologists have termed it "hypersegregation" or "American Apartheid"—the US Census Bureau has shown that residential segregation has been in overall decline since 1980. According to a 2012 study found that "credit markets enabled a substantial fraction of Hispanic families to live in neighborhoods with fewer black families, even though a substantial fraction of black families were moving to more racially integrated areas. The net effect is that credit markets increased racial segregation."