This study examines why predominantly upper-income, black neighborhoods have fewer local-serving retail stores and services than similar white neighborhoods. Using data from affluent census tracts in the Atlanta region during the 1990s, the authors attempt to separate the effects of race and income. The results indicate that variances in residential access to retail and services by race are not explained by differences in income or concentration of purchasing power. Rather, they are more likely the result of inaccurate stereotyped marketing information about black neighborhood attributes and personal consumption preferences, or of racially biased business decisions. (Authors)