Mortgage Insurer Says Prices Will Fall | John Burns Real Estate Consulting

Mortgage Insurer Says Prices Will Fall


One of the indices that we find to be the most accurate is PMI’s Risk Index, which measures the likelihood that home prices will be lower two years from now. The index measures the percent likelihood of a price decline and currently estimates that 13 of the nation’s 50 largest metro areas now face a 50% or greater chance of lower prices – up from just 7 metro areas in the previous quarter. While we believe prices will decline in all of these markets and more, their ranking of the likelihood is generally very good. Here is the likelihood of a price decline.

PMI Risk Index
Metro Area 3Q 2007 2Q 2007
Riverside-San Bernardino, CA 94% 79%
Las Vegas, NV 89% 75%
Phoenix, AZ 83% 63%
Orange County, CA 81% 63%
Los Angeles, CA 79% 52%
Fort Lauderdale, FL 78% 47%
Orlando, FL 74% 55%
Sacramento, CA 73% 49%
Tampa, FL 72% 38%
West Palm Beach, FL 71% 51%
San Diego, CA 69% 45%
Oakland, CA 65% 45%
Miami, FL 58% 38%
Source: PMI Mortgage Insurance Co.

This is the most current available data for all variables and markets.

Permits Statistics
Employment Statistics
Affordability
12-
12-
Total
NF Payroll Employment
State
Metro Area
Month
S. Fam. Permits
Month
Total Permits
Permits / Peak Permits
1-Yr Growth
1-Yr Growth Rate
Unemp Rate
Median Home Price
Housing Costs / Income
Housing Cycle Barometer
Alabama
Anniston-Oxford 257 471 100.0% 100 0.2% 3.7% $95,457 25% 4.7
Auburn-Opelika 1,348 1,732 78.6% 0 0.0% 3.1% $146,474 36% 3.9
Birmingham 5,067 5,391 67.8% 5,500 1.0% 3.0% $167,243 35% 5.1
Decatur 319 331 35.1% (100) (0.2%) 2.9% $103,135 25% 4.7
Dothan 339 343 45.9% 200 0.3% 3.1% $100,937 26% 4.7
Florence 313 411 52.5% 400 0.7% 3.7% $96,782 22% 0.0
Gadsden 229 292 71.4% 1,400 3.7% 3.6% $89,919 25% 5.0
Huntsville 3,429 4,444 88.9% 5,000 2.4% 2.5% $129,739 23% 2.1
Mobile 1,784 2,475 89.1% 2,700 1.5% 3.4% $135,454 33% 5.6
Montgomery 1,201 1,905 73.1% 3,600 2.0% 3.3% $145,977 32% 5.4
Tuscaloosa 917 1,911 73.0% 800 0.8% 2.9% $128,453 30% 1.3
Alaska
Anchorage 383 980 10.9% 1,100 0.7% 5.4% $222,101 32% 5.2
Fairbanks 90 113 14.4% 0 0.0% 5.2% $180,440 28% 5.1
Arizona
Flagstaff 473 475 35.0% 600 0.9% 3.7% $245,167 46% 5.9
Phoenix 30,042 40,588 58.6% 32,000 1.6% 3.4% $245,000 39% 6.4
Prescott 1,495 1,526 34.1% 1,200 1.8% 3.8% $223,656 48% 5.4
Tucson 5,551 5,950 46.3% 5,500 1.4% 3.9% $220,000 42% 6.2
Yuma 853 864 32.0% 0 0.0% 12.4% $167,000 37% 5.5
Arkansas
Fayetteville 2,344 3,587 47.2% 5,100 2.5% 3.6% $125,608 24% 1.2
Fort Smith 735 1,035 78.7% 3,200 2.6% 5.5% $82,688 18% 0.0
Hot Springs 96 96 25.5% 500 1.3% 5.3% $121,568 27% 1.5
Jonesboro 537 586 59.6% 400 0.8% 5.1% $78,054 15% 0.0
Little Rock 2,941 3,414 59.4% 6,600 1.9% 4.3% $130,659 23% 3.8
Pine Bluff 67 72 17.4% (200) (0.5%) 7.0% $73,172 17% 0.7
California
Bakersfield 3,586 4,304 48.6% 6,000 2.5% 8.4% $226,000 41% 6.2
Chico 874 981 49.3% 1,500 1.9% 6.5% $242,250 47% 5.6
El Centro 776 1,090 49.5% 1,800 4.0% 19.1% $215,000 46% 5.7
Fresno 3,706 4,603 62.0% 5,500 1.8% 9.0% $237,500 49% 6.9
Hanford 460 493 36.5% 1,500 4.3% 9.0% $168,100 31% 5.4
Los Angeles 7,425 20,187 28.7% 30,400 0.7% 5.2% $529,000 85% 8.2
Madera 492 596 26.3% 500 1.4% 7.7% $254,500 60% 8.3
Merced 852 878 24.0% (1,500) (2.5%) 10.3% $235,000 46% 6.2
Modesto 1,245 1,780 28.1% 200 0.1% 9.1% $260,000 47% 6.3
Monterey 668 986 35.0% 1,100 0.9% 6.7% $570,000 85% 7.9
Napa 195 247 24.6% 900 1.4% 4.7% $552,500 74% 7.6
Oakland 4,077 6,499 28.2% 3,700 0.3% 4.9% $575,000 68% 7.4
Orange County 2,200 7,474 30.0% (2,200) (0.1%) 4.2% $652,500 78% 8.0
Redding 572 748 31.6% 1,000 1.5% 7.4% $232,500 45% 5.8
Riverside-San Bernardino 17,024 21,279 36.9% 39,600 3.1% 6.0% $329,000 51% 7.1
Sacramento 7,116 8,424 35.3% 5,600 0.6% 5.6% $310,000 45% 5.9
San Diego 3,549 7,239 16.4% 13,300 1.0% 4.8% $500,000 67% 6.6
San Francisco 875 3,898 57.8% 14,400 1.5% 4.1% $860,000 100% 8.3
San Jose 1,872 4,486 44.7% 11,700 1.3% 5.0% $790,000 82% 9.2
San Luis Obispo 869 1,252 34.8% (300) (0.3%) 4.5% $479,000 83% 7.3
Santa Barbara 432 656 24.1% 600 0.3% 4.6% $475,000 76% 6.2
Santa Cruz 290 971 68.7% 1,500 1.5% 5.5% $707,500 99% 7.9
Santa Rosa 954 1,405 24.2% 1,100 0.6% 4.5% $492,000 71% 7.0
Stockton 2,354 2,535 36.0% (2,200) (1.0%) 8.8% $295,000 46% 5.6
Vallejo-Fairfield 929 1,090 17.5% 2,600 2.0% 5.4% $360,000 47% 5.9
Ventura 778 1,362 18.1% 1,700 0.6% 5.4% $575,000 67% 7.2
Visalia-Porterville 2,303 2,775 75.8% (200) (0.2%) 9.4% $195,000 40% 6.0
Yuba-Sutter 923 1,005 33.0% (600) (1.4%) 9.7% $231,500 45% 5.8
Colorado
Boulder 365 556 10.8% 1,700 1.0% 3.4% $355,000 47% 6.7
Colorado Springs 2,899 3,278 29.7% 1,800 0.7% 4.5% $195,250 29% 3.4
Denver 8,511 14,361 50.3% 22,400 1.8% 4.0% $230,000 33% 4.5
Fort Collins 1,158 1,407 38.4% 3,500 2.6% 3.4% $219,000 31% 3.4
Grand Junction 1,339 1,395 68.2% 2,800 4.6% 3.2% $179,999 33% 5.1
Greeley 1,584 1,841 41.7% 1,600 2.0% 4.1% $169,900 26% 0.2
Pueblo 700 714 49.7% 1,800 3.1% 4.8% $99,856 22% 1.2
Connecticut
Bridgeport 1,408 2,126 40.3% 6,200 1.5% 4.4% $476,316 51% 1.8
Hartford 2,058 3,067 28.4% 3,600 0.6% 4.9% $250,414 33% 3.3
New Haven 787 1,267 17.3% (200) (0.1%) 5.1% $276,581 37% 3.5
Delaware
Dover 1,297 1,483 68.0% (100) (0.2%) 2.9% $201,963 37% 7.2
Wilmington 1,710 1,994 31.0% 3,800 1.1% 3.2% $228,541 34% 6.2
District of Columbia
Washington D.C. 12,899 17,114 45.0% 33,200 1.4% 3.1% $410,509 43% 7.6
Florida
Daytona Beach 1,570 2,234 28.2% 1,400 0.8% 4.4% $173,898 35% 5.7
Fort Lauderdale 1,920 4,747 24.3% 5,700 0.7% 3.9% $312,500 51% 7.2
Fort Myers 4,782 6,419 21.9% 2,600 1.1% 5.4% $227,000 39% 5.8
Fort Walton Beach 872 1,015 27.3% 100 0.1% 3.2% $206,193 33% 5.4
Gainesville 746 1,454 43.9% 700 0.5% 3.1% $196,938 44% 5.9
Jacksonville 7,451 11,054 44.1% 7,600 1.2% 4.0% $171,500 28% 5.3
Lakeland 3,992 4,484 34.0% 1,700 0.8% 4.6% $155,250 29% 5.3
Melbourne 2,234 2,779 28.1% (300) (0.1%) 4.6% $168,000 29% 5.4
Miami 3,364 8,838 33.8% 11,900 1.1% 3.7% $335,100 67% 8.7
Naples 1,196 2,256 27.7% 800 0.6% 4.7% $380,000 56% 6.5
Ocala 2,729 3,209 43.1% 400 0.4% 5.0% $154,850 32% 6.2
Orlando 12,326 19,159 53.0% 22,500 2.0% 4.0% $230,000 39% 6.6
Panama City 705 1,309 23.6% 1,400 1.8% 4.0% $188,315 34% 5.8
Pensacola 1,765 2,609 40.4% 700 0.4% 4.0% $158,681 28% 4.0
Port St. Lucie 2,261 2,682 24.9% 2,000 1.5% 5.7% $207,500 36% 6.3
Punta Gorda 1,039 1,586 33.8% 300 0.7% 5.9% $170,000 31% 5.1
Sarasota 2,284 2,782 19.2% (1,700) (0.5%) 4.5% $230,000 39% 6.7
Tallahassee 1,847 2,162 50.5% 3,200 1.8% 3.3% $170,420 36% 5.1
Tampa 8,352 12,250 32.3% 12,400 0.9% 4.4% $175,000 33% 5.7
Vero Beach 1,164 1,298 31.0% 300 0.6% 6.0% $200,000 38% 6.7
West Palm Beach 2,197 3,152 13.6% 8,800 1.5% 4.5% $295,000 44% 6.1
Georgia
Albany 470 615 48.8% 700 1.1% 4.6% $95,193 22% 2.6
Athens 1,286 1,817 77.1% 1,800 2.2% 3.3% $141,830 28% 0.0
Atlanta 32,978 46,548 62.9% 52,500 2.2% 4.0% $174,730 24% 3.5
Augusta 2,928 2,936 53.6% 1,500 0.7% 5.2% $117,198 23% 2.7
Brunswick 866 872 68.3% 0 0.0% 3.4% $164,368 26% 2.5
Columbus 1,092 1,905 84.9% 1,200 1.0% 4.8% $114,103 21% 0.0
Dalton 541 714 65.0% (400) (0.5%) 4.6% $113,856 21% 0.3
Gainesville 1,574 1,586 60.4% 2,000 2.7% 3.3% $149,937 26% 2.6
Hinesville 184 448 50.9% 600 3.2% 4.2% $129,473 24% 2.1
Macon 1,251 1,537 82.1% 1,200 1.2% 4.5% $105,233 19% 0.0
Rome 298 322 44.6% 200 0.4% 4.2% $100,734 19% 0.0
Savannah 3,622 5,050 100.0% 3,100 1.9% 3.4% $155,335 28% 5.1
Valdosta 1,023 1,205 82.4% 800 1.4% 3.7% $112,707 27% 3.2
Warner Robins 1,317 1,557 73.7% 2,300 4.0% 3.6% $105,985 17% 0.0
Hawaii
Honolulu 1,291 3,071 62.0% 3,800 0.8% 2.7% $619,604 82% 6.1
Idaho
Boise City 3,817 4,853 42.0% 3,400 1.2% 2.6% $198,447 31% 5.3
Coeur D’Alene 1,032 1,718 63.9% 2,000 3.6% 2.8% $197,806 35% 5.3
Idaho Falls 1,227 1,441 75.3% 2,100 4.1% 1.8% $127,771 21% 4.7
Lewiston 148 167 41.1% (300) (1.1%) 3.3% $150,536 31% 5.4
Pocatello 346 358 51.1% (400) (1.0%) 2.5% $115,298 21% 3.7
Illinois
Bloomington 430 659 38.8% 500 0.5% 3.7% $150,530 27% 2.8
Champaign-Urbana 580 2,080 95.5% (200) (0.2%) 4.3% $138,039 28% 4.4
Chicago 13,861 28,620 65.1% 37,500 1.0% 4.7% $240,000 39% 6.4
Danville 10 10 5.2% (200) (0.6%) 6.1% $65,135 14% 1.0
Decatur 33 119 20.0% 100 0.2% 5.4% $83,567 18% 2.3
Kankakee-Bradley 481 507 61.3% 100 0.2% 6.3% $135,897 24% 6.5
Lake-Kenosha 2,343 2,674 41.4% 4,300 1.1% 4.7% $269,405 35% 5.4
Peoria 1,256 1,497 77.3% 1,500 0.8% 4.4% $119,352 22% 5.6
Rockford 1,202 1,411 53.8% (200) (0.1%) 5.8% $121,319 24% 6.7
Springfield 467 628 40.5% 500 0.4% 4.4% $108,046 20% 2.3
Indiana
Anderson 236 238 30.7% (1,000) (2.3%) 5.6% $83,744 17% 0.1
Bloomington 618 939 77.0% 800 1.0% 4.3% $127,148 26% 1.0
Columbus 254 254 41.5% 1,300 2.9% 3.3% $122,497 19% 0.0
Elkhart-Goshen 649 679 41.0% 1,400 1.1% 4.7% $116,157 20% 1.7
Evansville 900 1,389 63.8% 2,100 1.2% 4.2% $98,665 19% 3.0
Fort Wayne 1,151 1,196 32.4% (600) (0.3%) 4.6% $98,360 18% 0.2
Gary 2,424 3,127 67.6% 1,000 0.4% 4.8% $140,269 23% 4.7
Indianapolis 7,281 8,415 49.0% 10,200 1.1% 3.9% $120,006 19% 0.0
Kokomo 120 146 19.7% (300) (0.6%) 4.8% $93,111 18% 1.8
Lafayette 642 954 52.1% 1,900 2.0% 3.7% $112,992 23% 0.4
Michigan City 334 341 57.3% 100 0.2% 4.8% $118,372 22% 4.3
Muncie 124 138 24.2% (500) (0.9%) 4.9% $82,634 19% 1.0
South Bend 737 1,460 73.5% 500 0.3% 4.7% $90,629 17% 0.0
Terre Haute 305 577 84.1% (400) (0.5%) 5.0% $83,223 19% 1.5
Iowa
Ames 270 369 39.0% 100 0.2% 2.7% $137,862 25% 0.0
Cedar Rapids 889 1,217 59.2% (700) (0.5%) 3.6% $132,690 24% 4.5
Davenport 697 1,008 66.2% 1,000 0.5% 4.0% $107,772 21% 4.9
Des Moines 3,193 3,947 62.7% 7,800 2.5% 3.3% $151,459 23% 3.9
Dubuque 317 362 41.5% 200 0.3% 3.5% $119,121 22% 1.4
Iowa City 777 998 58.8% 900 1.0% 2.6% $152,218 27% 0.0
Sioux City 201 249 21.1% 100 0.1% 3.7% $89,272 18% 0.8
Waterloo 477 507 60.4% (400) (0.4%) 3.4% $111,987 21% 5.8
Kansas
Lawrence 284 466 24.6% 1,000 1.9% 3.0% $153,367 26% 2.0
Topeka 705 930 67.5% 4,900 4.5% 4.0% $112,626 21% 4.6
Wichita 2,340 2,702 59.1% 11,800 3.9% 3.6% $115,241 20% 3.9
Kentucky
Bowling Green 678 816 58.9% 700 1.1% 3.7% $112,054 22% 0.0
Elizabethtown 714 1,001 75.5% 300 0.6% 4.4% $114,793 23% 2.8
Lexington 2,460 2,721 53.1% 3,200 1.3% 3.6% $158,396 28% 4.7
Louisville 4,459 6,049 67.6% 7,100 1.1% 4.3% $139,487 25% 4.2
Owensboro 308 438 40.0% 300 0.6% 4.1% $85,913 16% 0.0
Louisiana
Alexandria 656 656 69.0% 700 1.1% 3.0% $96,683 26% 5.1
Baton Rouge 5,069 7,787 85.9% 8,800 2.4% 2.9% $172,578 36% 5.8
Houma 765 855 71.7% 2,700 2.9% 2.2% $113,281 24% 5.1
Lafayette 1,483 1,706 33.3% 1,800 1.2% 2.3% $130,739 31% 5.2
Lake Charles 666 1,154 76.8% 2,500 2.7% 3.0% $110,089 24% 5.0
Monroe 628 708 58.7% 500 0.6% 3.5% $98,278 27% 5.1
New Orleans 4,223 7,239 54.5% 15,200 3.1% 3.4% $160,033 34% 5.2
Shreveport 1,329 1,357 44.2% 3,700 2.1% 3.5% $138,371 36% 5.8
Maine
Bangor 445 495 49.7% 1,400 2.1% 4.6% $123,896 27% 3.1
Lewiston-Auburn 236 242 28.2% 100 0.2% 4.7% $139,929 31% 4.3
Portland 2,376 2,944 51.3% 100 0.1% 3.8% $231,299 37% 3.6
Maryland
Baltimore 5,055 6,481 33.2% 16,300 1.2% 3.6% $264,422 37% 8.1
Bethesda 2,282 4,509 36.9% 7,300 1.3% 2.6% $430,000 45% 7.4
Cumberland 191 191 46.9% 100 0.2% 4.4% $102,136 24% 4.1
Hagerstown 1,661 2,035 49.2% 2,100 2.1% 4.0% $194,529 31% 4.4
Salisbury 286 559 43.1% 1,000 1.7% 4.1% $161,628 31% 5.0
Massachusetts
Barnstable Town 695 834 16.9% 1,100 1.1% 4.3% $384,771 58% 4.7
Boston 1,581 4,589 43.4% 25,300 1.5% 3.4% $398,433 55% 7.7
Cambridge 1,574 3,594 48.0% 26,500 1.1% 3.6% $421,536 52% 6.3
Pittsfield 242 274 29.7% 300 0.8% 3.5% $215,515 41% 4.9
Michigan
Ann Arbor 443 560 19.3% (1,100) (0.5%) 4.7% $185,004 27% 0.2
Battle Creek 115 169 27.1% (800) (1.3%) 6.6% $93,488 18% 1.7
Bay City 155 155 34.4% (1,600) (4.1%) 6.8% $94,991 19% 3.4
Detroit 1,087 1,212 19.2% (15,700) (1.9%) 8.4% $95,715 19% 0.0
Flint 539 590 17.1% (4,800) (3.1%) 8.3% $99,435 20% 3.5
Grand Rapids 1,664 1,889 37.5% 900 0.2% 5.9% $127,567 23% 2.8
Holland 671 814 29.6% (900) (0.8%) 5.6% $149,648 23% 1.7
Jackson 179 297 29.5% (1,200) (2.0%) 7.5% $108,864 23% 5.5
Kalamazoo 756 1,009 41.0% 1,500 1.0% 5.5% $123,281 24% 3.4
Lansing 557 814 25.8% (400) (0.2%) 5.5% $123,634 22% 2.7
Monroe 302 401 33.4% (100) (0.2%) 6.5% $140,879 22% 2.2
Muskegon 293 358 36.1% 0 0.0% 7.1% $94,551 20% 1.9
Niles 398 444 54.4% 1,500 2.3% 6.8% $125,941 25% 5.5
Saginaw 185 187 19.2% (2,700) (2.9%) 7.1% $83,157 19% 1.2
Warren 3,045 3,423 17.3% (17,600) (1.5%) 6.4% $163,996 23% 0.0
Minnesota
Duluth 773 980 57.1% 1,500 1.1% 4.9% $117,326 23% 7.0
Minneapolis 7,946 10,602 37.7% 4,600 0.3% 3.9% $235,000 31% 5.1
Rochester 675 831 41.2% 1,400 1.3% 3.3% $140,065 20% 2.2
St. Cloud 788 896 44.5% 1,000 1.0% 3.9% $142,682 24% 4.2
Mississippi
Gulfport-Biloxi 2,623 5,289 100.0% 2,900 2.7% 5.2% $157,440 34% 6.0
Hattiesburg 304 1,104 100.0% (100) (0.2%) 4.6% $100,276 26% 2.9
Jackson 3,010 3,201 71.0% 3,600 1.4% 4.6% $144,907 31% 5.0
Pascagoula 792 1,224 79.4% 2,100 3.8% 5.5% $115,873 25% 5.8
Missouri
Columbia 868 1,300 55.6% 1,500 1.6% 3.4% $134,830 28% 4.0
Jefferson City 290 299 26.0% 800 1.0% 3.9% $111,561 21% 4.1
Joplin 306 366 49.3% 1,300 1.6% 4.4% $86,164 22% 3.7
Kansas City 6,201 8,344 45.3% 11,400 1.1% 4.8% $155,110 25% 3.7
Springfield 1,951 3,849 75.2% 4,900 2.5% 4.0% $127,015 29% 4.7
St. Joseph 160 182 42.5% 1,800 3.1% 4.3% $93,110 19% 1.9
St. Louis 8,386 10,366 56.5% 20,800 1.5% 5.1% $168,500 30% 5.8
Montana
Billings 672 713 48.7% 4,800 6.1% 2.4% $143,127 25% 2.0
Great Falls 353 425 100.0% 1,600 4.5% 3.1% $117,979 23% 1.5
Missoula 519 673 59.7% 2,000 3.4% 3.1% $210,347 45% 5.9
Nebraska
Lincoln 1,041 1,337 49.4% 1,600 0.9% 2.6% $136,943 23% 4.2
Omaha 3,928 4,986 75.2% 5,800 1.2% 3.2% $140,584 23% 4.8
Nevada
Carson City 42 58 8.1% (400) (1.2%) 5.6% $240,549 43% 5.5
Las Vegas 14,648 24,257 61.8% 10,100 1.1% 5.3% $275,000 42% 6.3
Reno 2,003 2,106 33.3% 400 0.2% 4.8% $300,000 47% 6.5
New Hampshire
Manchester 734 1,003 14.0% (800) (0.8%) 3.2% $201,233 24% 1.7
New Jersey
Atlantic City 1,042 1,144 28.8% 1,600 1.1% 5.2% $258,681 37% 5.2
Camden 2,402 3,089 36.6% 11,200 2.0% 3.9% $224,816 26% 3.5
Edison 4,149 6,695 27.4% 10,200 1.0% 3.6% $361,704 38% 5.7
Newark-Union 2,805 5,875 63.7% 3,300 0.3% 3.9% $412,290 44% 4.2
Ocean City 641 1,115 45.8% 400 1.0% 6.9% $259,593 41% 4.7
Trenton 482 735 20.2% 3,800 1.5% 3.4% $291,150 32% 4.3
Vineland 586 697 90.6% (300) (0.5%) 5.6% $161,551 27% 4.0
New Mexico
Albuquerque 3,831 4,545 51.2% 4,500 1.1% 3.2% $199,993 38% 5.2
Farmington 385 385 65.6% 1,100 2.1% 2.8% $184,422 37% 5.5
Las Cruces 1,459 1,509 60.1% 1,400 2.1% 3.3% $126,732 30% 3.3
Santa Fe 287 287 22.2% 2,700 4.3% 2.6% $270,466 45% 4.5
New York
Albany 1,632 2,982 55.9% (600) (0.1%) 3.8% $197,974 32% 4.7
Binghamton 247 247 18.8% 600 0.5% 4.1% $115,824 22% 3.6
Buffalo 1,416 1,873 40.3% 2,000 0.4% 4.5% $107,702 21% 2.2
Elmira 31 50 16.9% 500 1.2% 4.3% $90,575 18% 2.8
Glens Falls 427 452 28.0% 200 0.4% 4.2% $169,708 34% 5.2
Ithaca 156 294 44.6% 500 0.8% 3.2% $159,989 31% 3.9
Kingston 509 607 43.0% 1,000 1.5% 4.1% $268,508 45% 6.0
Nassau 2,765 2,906 25.3% 5,100 0.4% 3.7% $448,136 48% 7.9
New York 2,821 41,323 99.4% 61,400 1.2% 4.6% $519,036 81% 7.7
Poughkeepsie 1,326 1,784 34.6% 2,000 0.8% 3.9% $253,226 34% 3.5
Rochester 1,583 2,236 43.3% 600 0.1% 4.3% $117,041 20% 3.1
Syracuse 1,237 1,354 39.4% 2,500 0.8% 4.0% $118,778 23% 4.2
Utica-Rome 434 506 38.2% 800 0.6% 4.2% $108,887 23% 2.7
North Carolina
Asheville 3,357 3,904 88.6% 2,300 1.3% 3.5% $186,899 43% 6.8
Burlington 1,560 1,560 75.8% 600 1.0% 4.7% $114,923 26% 1.0
Charlotte 16,171 22,160 88.1% 15,400 1.8% 4.7% $156,000 28% 4.1
Durham 2,885 3,473 53.3% 6,300 2.2% 3.7% $185,442 37% 6.2
Fayetteville 2,210 2,797 64.7% 5,400 4.3% 5.0% $110,731 26% 4.4
Goldsboro 458 458 66.4% 200 0.5% 4.5% $102,088 25% 1.7
Greensboro 3,844 5,025 77.4% 3,500 0.9% 4.7% $153,642 33% 5.3
Greenville 1,394 2,420 93.9% 1,400 1.8% 4.8% $112,073 26% 0.7
Hickory 1,639 1,713 70.4% (1,500) (0.9%) 5.7% $115,266 27% 5.1
Jacksonville 1,610 1,742 85.2% 2,300 5.1% 4.3% $139,185 36% 6.1
Raleigh-Cary 12,960 16,933 95.6% 9,900 2.0% 3.5% $185,000 30% 4.4
Rocky Mount 636 689 66.9% 2,800 4.4% 5.9% $97,411 23% 0.4
Wilmington 4,615 5,794 62.9% 3,100 2.2% 4.1% $214,161 46% 7.0
Winston-Salem 3,266 3,466 78.1% 2,500 1.2% 4.4% $128,822 28% 3.2
North Dakota
Bismarck 728 1,033 94.3% 1,200 2.0% 2.3% $137,426 25% 5.3
Fargo 1,185 1,847 65.5% 600 0.5% 2.2% $145,454 29% 5.4
Grand Forks 141 289 42.9% 700 1.3% 2.7% $127,945 29% 5.6
Ohio
Akron 1,280 1,585 39.5% 3,300 1.0% 4.9% $119,750 22% 1.4
Canton 646 681 43.8% (100) (0.1%) 5.5% $108,658 20% 0.1
Cincinnati 5,403 6,913 44.4% 3,000 0.3% 4.6% $146,500 24% 1.1
Cleveland 3,586 4,075 50.9% 1,800 0.2% 5.4% $130,163 23% 0.1
Columbus 4,355 6,478 37.8% 2,700 0.3% 4.5% $129,900 22% 0.1
Dayton 1,505 1,590 38.2% (1,100) (0.3%) 5.5% $117,881 22% 2.1
Lima 76 86 17.0% 200 0.4% 5.9% $94,840 18% 1.5
Mansfield 145 180 29.9% 100 0.2% 6.2% $95,661 20% 2.2
Sandusky 24 4.2% (200) (0.5%) 5.9% $122,375 20% 0.0
Springfield 179 383 55.8% (400) (0.8%) 6.6% $102,440 18% 0.2
Toledo 1,306 1,717 41.6% (900) (0.3%) 5.8% $103,867 19% 0.0
Youngstown 611 838 44.1% (2,900) (1.2%) 5.7% $78,348 16% 0.0
Oklahoma
Lawton 254 826 75.4% 1,200 2.9% 4.5% $95,692 21% 2.7
Oklahoma City 5,660 6,477 29.9% 21,400 3.7% 4.1% $127,727 24% 5.2
Tulsa 4,472 5,239 43.0% 6,100 1.4% 4.1% $124,883 25% 4.0
Oregon
Bend 1,651 1,865 41.8% 1,800 2.6% 5.5% $262,800 45% 7.6
Corvallis 189 210 26.4% 800 2.0% 3.8% $236,273 41% 5.2
Eugene 1,079 1,468 53.0% 1,700 1.1% 5.2% $228,842 45% 7.6
Medford 1,054 1,263 59.1% 1,500 1.7% 5.4% $226,028 48% 6.2
Portland 8,630 12,928 65.4% 14,600 1.4% 4.9% $277,750 44% 8.5
Salem 1,568 2,133 63.2% 1,600 1.1% 5.2% $222,585 39% 6.2
Pennsylvania
Allentown 2,778 2,960 54.7% 6,800 2.0% 3.9% $249,271 38% 7.0
Altoona 290 295 59.5% 0 0.0% 3.8% $99,332 18% 0.6
Erie 713 908 89.3% 600 0.4% 4.4% $99,021 21% 1.3
Harrisburg 1,693 1,824 49.0% 3,200 1.0% 3.3% $152,509 23% 3.0
Johnstown 94 151 40.5% 800 1.3% 4.8% $87,960 21% 4.0
Lancaster 1,501 1,896 52.5% 4,000 1.7% 3.1% $176,603 27% 3.8
Lebanon 532 534 63.2% 400 0.8% 3.1% $151,702 25% 4.7
Philadelphia 5,954 8,732 49.0% 13,800 0.7% 4.0% $223,830 32% 5.3
Pittsburgh 3,966 5,066 71.6% 3,000 0.3% 3.9% $122,771 22% 2.0
Reading 977 1,034 47.3% 400 0.2% 3.9% $155,051 26% 5.0
Scranton 1,155 1,309 60.1% 2,100 0.8% 4.3% $126,413 24% 3.6
State College 364 504 45.7% 1,000 1.3% 3.1% $164,983 32% 3.8
Williamsport 256 268 50.4% 0 0.0% 4.4% $114,175 23% 2.6
York 2,032 2,132 67.7% 3,400 1.9% 3.3% $172,980 25% 3.6
Rhode Island
Providence 2,440 3,196 27.2% (500) (0.1%) 4.8% $272,952 43% 4.8
South Carolina
Anderson 1,157 1,214 62.9% 1,300 2.0% 5.7% $104,373 23% 2.4
Charleston 5,762 6,944 64.2% 7,000 2.4% 4.6% $176,500 37% 5.2
Columbia 6,186 7,478 90.7% 5,800 1.6% 5.0% $135,900 26% 5.3
Florence 770 770 58.7% 700 0.8% 6.3% $100,692 24% 3.6
Greenville 4,406 5,251 93.4% 8,200 2.6% 5.1% $128,000 29% 5.6
Myrtle Beach 3,922 5,619 47.5% (900) (0.7%) 5.4% $199,330 45% 6.1
Spartanburg 1,672 1,672 60.5% (1,200) (0.9%) 5.7% $133,968 30% 6.6
Sumter 570 918 100.0% (600) (1.5%) 7.5% $109,133 27% 5.2
South Dakota
Rapid City 683 1,017 74.0% 500 0.8% 2.7% $124,627 23% 3.8
Sioux Falls 1,549 2,486 98.7% 3,100 2.3% 2.1% $147,408 22% 1.8
Tennessee
Chattanooga 2,232 2,486 64.9% 600 0.2% 4.4% $131,712 26% 2.0
Clarksville 1,671 2,250 70.0% (300) (0.4%) 5.2% $104,587 20% 0.3
Cleveland 553 692 73.2% (200) (0.5%) 4.7% $113,797 27% 4.5
Jackson 455 555 49.6% 600 1.0% 5.2% $95,353 23% 1.7
Johnson City 1,223 1,324 84.7% 1,900 2.3% 4.6% $118,269 30% 4.0
Kingsport 859 997 64.9% 2,100 1.7% 4.2% $113,219 26% 2.4
Knoxville 4,441 5,156 79.9% 2,900 0.9% 3.9% $157,396 31% 4.8
Memphis 5,973 8,420 76.2% 8,500 1.3% 5.2% $138,786 28% 2.7
Morristown 590 593 77.5% (300) (0.6%) 4.9% $114,463 27% 3.9
Nashville 11,187 13,948 75.9% 4,300 0.6% 4.2% $147,400 25% 3.5
Texas
Abilene 304 334 15.6% 1,400 2.1% 3.5% $112,700 24% 5.3
Amarillo 693 1,799 48.5% 1,300 1.2% 3.2% $114,800 23% 4.2
Austin 12,446 20,735 78.2% 22,500 3.0% 3.5% $181,700 30% 5.0
Beaumont 1,236 2,624 100.0% 2,300 1.4% 5.3% $119,100 24% 5.1
Brownsville 1,645 1,833 46.8% 2,800 2.3% 5.6% $90,000 27% 4.5
College Station 878 2,057 58.0% 0 0.0% 3.4% $132,500 31% 3.5
Corpus Christi 1,673 2,053 33.4% 2,800 1.6% 4.2% $130,700 30% 5.5
Dallas 18,226 29,318 39.7% 46,800 2.3% 4.1% $158,400 25% 3.9
El Paso 3,490 4,441 68.6% 4,400 1.6% 5.4% $130,900 32% 5.1
Fort Worth 10,034 13,377 34.7% 16,700 2.0% 4.0% $116,700 19% 4.2
Houston 43,460 64,969 86.5% 58,800 2.4% 4.0% $150,500 26% 5.1
Killeen 2,373 3,117 65.3% 800 0.7% 4.6% $114,910 24% 4.5
Laredo 1,547 2,203 91.1% 1,300 1.5% 4.5% $97,234 26% 1.3
Longview 316 607 38.3% 1,000 1.1% 3.8% $125,000 27% 5.3
Lubbock 1,000 1,237 29.7% 2,600 2.0% 3.2% $100,000 24% 2.7
McAllen 5,129 6,459 69.3% 10,800 5.2% 5.9% $114,600 32% 3.3
Midland 514 514 13.3% 1,600 2.5% 2.7% $127,737 23% 5.3
Odessa 239 463 22.0% 900 1.5% 3.2% $135,400 29% 5.4
San Angelo 350 350 22.6% 600 1.3% 3.5% $115,700 30% 6.2
San Antonio 9,768 13,523 60.6% 15,500 1.9% 3.9% $148,000 29% 5.2
Sherman 193 283 26.0% 900 2.0% 4.4% $98,800 19% 3.8
Texarkana 239 449 53.1% 800 1.4% 4.6% $87,079 19% 1.0
Tyler 401 487 16.5% 2,300 2.5% 4.0% $134,800 27% 4.8
Victoria 151 151 8.4% 600 1.2% 3.5% $115,600 21% 3.1
Waco 849 948 31.7% 1,900 1.8% 4.0% $112,900 27% 3.8
Wichita Falls 220 652 72.8% 600 0.9% 3.9% $91,200 22% 5.0
Utah
Logan 971 1,066 75.9% 1,300 2.5% 2.0% $143,924 27% 2.5
Ogden-Clearfield 3,042 3,625 70.6% 5,900 3.0% 2.8% $172,385 25% 3.6
Provo-Orem 4,158 4,796 73.9% 9,700 5.2% 2.3% $199,941 32% 4.4
Salt Lake City 4,510 6,465 52.1% 27,500 4.4% 2.6% $231,647 35% 5.7
St. George 1,854 2,012 52.3% 1,800 3.4% 2.8% $211,575 40% 4.7
Virginia
Charlottesville 1,081 1,251 47.5% 3,300 3.3% 2.4% $242,893 37% 5.1
Danville 195 210 40.2% 3,000 7.4% 5.5% $97,656 24% 2.7
Harrisonburg 742 1,060 85.9% 1,500 2.3% 2.4% $186,948 34% 4.6
Lynchburg 1,490 1,790 97.2% 2,100 1.9% 3.2% $144,626 28% 3.6
Richmond 5,952 6,900 60.5% 300 0.0% 3.2% $212,000 34% 5.1
Roanoke 955 1,005 52.1% 1,900 1.2% 3.1% $150,467 27% 3.8
Virginia Beach 4,695 6,578 27.7% 15,700 2.0% 3.2% $241,937 40% 7.2
Winchester 725 749 42.0% 1,300 2.2% 2.9% $194,962 33% 2.9
Washington
Bellingham 970 1,415 55.4% 2,600 3.1% 4.1% $254,531 46% 6.0
Bremerton 1,169 1,303 50.5% 1,000 1.1% 4.4% $262,750 38% 6.3
Kennewick 1,331 1,335 40.9% 4,000 4.6% 5.6% $166,063 26% 5.0
Longview 517 605 86.1% 700 1.8% 6.4% $175,036 32% 5.0
Mount Vernon 848 926 80.8% 1,200 2.6% 4.9% $241,753 42% 6.1
Olympia 1,913 2,332 71.2% 2,700 2.7% 4.4% $243,000 34% 6.7
Seattle 9,195 19,970 72.1% 38,300 2.6% 3.8% $400,000 51% 7.9
Spokane 2,015 2,638 60.0% 4,500 2.1% 4.7% $159,000 29% 5.2
Tacoma 3,670 4,955 72.6% 6,100 2.2% 4.8% $263,000 38% 6.7
Wenatchee 830 1,092 100.0% 1,100 2.8% 5.1% $232,254 36% 4.6
Yakima 660 711 75.7% 2,300 2.9% 6.8% $155,267 30% 4.8
West Virginia
Charleston 510 664 78.6% 1,200 0.8% 3.8% $124,559 26% 2.6
Huntington 495 827 100.0% 500 0.4% 4.3% $92,320 22% 0.0
Morgantown 109 155 86.1% 1,200 1.9% 2.9% $129,057 27% 0.0
Parkersburg 213 228 52.1% 600 0.8% 4.4% $89,434 18% 0.0
Weirton 59 125 66.8% 500 1.0% 5.7% $83,469 20% 5.2
Wheeling 1 43 14.7% 200 0.3% 4.6% $83,169 18% 0.5
Wisconsin
Appleton 685 814 37.4% 2,600 2.2% 4.5% $129,698 19% 3.2
Eau Claire 490 635 44.7% 1,600 1.9% 4.2% $122,635 21% 3.2
Fond Du Lac 207 238 38.4% 500 1.0% 4.4% $128,685 21% 3.1
Green Bay 1,471 1,832 58.9% 1,000 0.6% 4.8% $163,449 25% 5.1
Janesville 566 631 49.2% 0 0.0% 5.5% $127,400 22% 5.3
La Crosse 463 653 77.0% 700 0.9% 3.9% $126,498 23% 3.7
Madison 1,460 2,762 45.2% 4,200 1.2% 3.6% $230,528 32% 5.4
Milwaukee 2,129 3,256 37.9% 10,500 1.2% 5.2% $227,633 36% 6.2
Oshkosh-Neenah 440 558 38.2% 100 0.1% 4.5% $123,277 20% 1.6
Racine 445 550 43.0% 200 0.2% 5.9% $155,744 24% 5.1
Sheboygan 180 272 37.1% 1,100 1.7% 4.5% $137,699 24% 5.2
Wausau 297 618 44.3% 700 0.9% 4.2% $124,032 19% 2.0
Wyoming
Casper 401 401 50.4% 1,100 2.8% 2.4% $144,524 30% 5.6
Cheyenne 303 303 34.6% 1,800 4.2% 3.4% $139,286 23% 0.4

Chris Porter If you have any questions, please contact Chris Porter at (949) 870-1218 or by email.

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