The tracts won't change each year. The change will be between 2000 and 2010. That being said, there are occasional changes like in 2004. I am not sure what effect going to the 5 year income average is going to have on the actual tracts but for now, you use 2010 tracts.
I should note that you will only use the 2010 tracts for 2012 loans and going forward.
Last edited by CRAatBOK; 05/15/12 05:19 PM. Reason: added note
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