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.
Last edited by CRAatBOK; 05/15/12 05:19 PM. Reason: added note
I should note that you will only use the 2010 tracts for 2012 loans and going forward.
Life is not the way it's supposed to be. It's the way it is. The way you cope with it is what makes the difference.