Traditional demarcators of family formation and dissolution have chang
ed dramatically over the past few decades and Black-White differences
have become pronounced. In this article, we explore the degree to whic
h a relatively small set of variables can account for racial differenc
e in timing of initiation of sexual activity, first marriage, first bi
rth, and divorce The independent variables included in the model are a
dolescent living arrangements ( single-parent vs. two-parent), mother'
s educational level, religion, region of the country, Area of residenc
y (urban, suburban, rural), birth cohort, and year of the survey. Base
d on hazard models for the rate of occurrence of each event, we estima
te how Blacks would differ if they had mean values on covariates equal
to White observed means. Although the results differ for the four dep
endent variables, this particular set of independent variables does no
t provide a satisfactory explanation of the differences between Black
and White family formation and dissolution. Blacks and Whites may be r
esponding to different structural and cultural constraints not easily
captured by basic demographic variables.