The true statement is:
There are substantial racial disparities in household income in the United States.
While it is also true that white people tend to have higher average household incomes compared to many other racial and ethnic groups, the statement about substantial racial disparities accurately reflects the broader context of income inequality in the U.S. The other statements are either misleading or incorrect. Racial disparities in income have narrowed somewhat over the past several decades, but significant gaps still exist. Additionally, the statement claiming there are no racial disparities is false.