#1 South Carolina, #2 Iowa, #3 Texas - - Red States lead the way in housing affordability (NY, CA, RI, MA, CN in last place) - RePost 3:03 AM (7 hours ago)
Saw this originally on Red State but it's originally from Realtor.com. To no one's surprise the most affordable states are all Red States, and the most expensive states are all Blue States. No wonder the Red States are gaining in population - while the Blue States are losing population!
Highlighted findings
- States in the South and Midwest lead the nation in terms of current housing affordability.
- Southern and Western states are building the most homes, with just seven states from these two regions accounting for over half of the permits issued for new-home construction in 2024.
- We assigned letter grades to measure housing provision based on current affordability and current construction, as a proxy for future affordability. With this approach, no state received an A+, and only one A and two A- final grades were given out, as all 50 states and DC have room for improvement.
- States in the South and Midwest received all of the good grades given out (A’s and B’s) on the basis of affordability and homebuilding; states in the West and Northeast, with generally stricter zoning and land use regulations, received all of the bad grades (D’s and F’s).
Realtor.com is committed to expanding the national conversation about affordable housing. Our Let America Build campaign is designed to showcase the problems facing prospective homebuyers and encourage leaders of governments and communities to address these challenges by facilitating the building of affordable homes. It will be a long, uphill battle to close the 4 million home supply gap the United States is currently facing, and we showed that the size of the challenge and progress toward closing the gap vary across different regions of the United States. Thus, we know it’s important to check in on how states and locales are performing. Is your state top of the class? Find out in the interactive map below.
Earlier this year, Realtor.com announced that our headquarters were now proudly in Austin, TX, and we produced the Texas State of Real Estate report to celebrate. Not wanting to leave the other 49 and DC out of the fun, we decided to grade all of them as well in terms of how well they’re addressing housing affordability and homebuilding. Each grade reflects something real—families trying to stay close to work, care for parents, or finally afford a home of their own.
It has become harder and harder to become a homeowner, with high prices and mortgage rates remaining the unfortunate reality, and increasing the supply of homes is the clear solution. States have a clear mandate to address housing affordability, so we are assigning grades based on how they are doing now and how well they are addressing the future by building affordable homes. Our score is a weighted average of percentile ranks across two affordability metrics and two new construction metrics:
- REALTORS® Affordability Score: 25%
- Median earner’s share of income spent on median-priced listing (ranked low to high): 25%
- Permit-to-population ratio: 40%
- New-construction premium (ranked low to high): 10%
After applying a curve to the distribution of scores, we assign letter grades according to the following table.
Grade Score Grade Score A+ 77.5+ C+ 57.5-60 A 72.5-77.5 C 47.5-57.5 A- 70-72.5 C- 40-47.5 B+ 67.5-70 D+ 37.5-40 B 62.5-67.5 D 32.5-37.5 B- 60-62.5 D- 30-32.5 F 0-30
Affordability criteria
We consider two correlated but distinct metrics for home ownership affordability in each state. The first is our REALTORS® Affordability Score, which can be explored here for data at a metro level. We calculate the score at the state level for the entire year of 2024, identifying what percentage of for-sale inventory in each state is affordable to households at varying points along the income distribution in that same state. The benefit of using the REALTORS® Affordability Score is that it measures housing affordability across the income spectrum. The score can range from 0 to 2, and a higher value indicates a more affordable market. Unfortunately, all 50 states and Washington, DC, score lower than 1 in this metric; Iowa comes in on top, at 0.92, and Montana is in last place, at 0.4.
Instead of “how much of the market in this state is affordable to households across the income spectrum,” our second affordability criterion seeks to answer “how affordable is the median home listing to the median-earning household in this state?” This is a simpler calculation that allows for more focus on the middle of the market and gives useful context to the often-reported stats on median household income and median list price.
As a general rule, we say that a home is affordable if the mortgage payment on it makes up 30% or less of a household’s monthly income. For each state, we calculate how much of the median household earnings would be spent on a mortgage on the median-priced home listing from 2024, assuming a 10% down payment and a mortgage rate of 6.75%. Just 18 states, primarily in the Midwest and South, can claim that their median home is affordable for their median earner by our 30% rule. Once housing eats up more than a third of your paycheck, it’s not just expensive—it also puts real pressure on everything else in life.
To produce a final affordability score, we simply average the percentage rankings for both metrics across the states and multiply by 100. This leaves us with a score out of 100 for current affordability, which can be seen below.
Final grades: There’s room for improvement everywhere
To compute a final grade out of 100, we simply average the affordability score with the homebuilding score, giving each subtotal equal weighting. This gives us a balanced view into current affordability in each state and what we can expect in terms of supply growth there.
There were no A+’s given, which says a lot about how far we still have to go to make homeownership truly attainable. South Carolina scored the highest of any state with an A, primarily due to top-notch homebuilding scores, and despite a middle-of-the-pack affordability score. Iowa and Texas both got A-’s, but in very different ways. Iowa dominated our affordability criteria but had a weaker showing in terms of new construction, while Texas’ strong permit-to-population ratio and Iowa’s new-construction premium helped it to overcome some current affordability issues.
B’s (plus and minus included) were distributed exclusively to states in the South and Midwest as well, where construction activity and stronger affordability metrics are concentrated, respectively. D’s and F’s went only to Western and Northeastern states. Affordability remains a major challenge on the Pacific and Atlantic coasts and in states like Montana, which are seeing a major influx of migration from more expensive coastal markets.
States that received high marks could be targets for prospective first-time homebuyers looking to find a listing that meets their needs and their budget. Many of these have higher concentrations of affordable new builds on the market that offer incentives like mortgage rate buydowns to make monthly payments even more manageable. States getting bad grades may be places where homeownership is a difficult goal to attain, at least for now. The path to owning a home in these states may be longer, and may include longer periods of renting, which has fortunately become more affordable on a year-over-year basis for 20 consecutive months. Housing is local by nature, as evidenced by the variety of outcomes we show across states here, but it will take a nationwide effort to advance homebuilding and improve affordability.
In the interactive map below, you can see each state’s grade and the factors that went into it.
Distribution by Region
Midwest Northeast South West A 1 2 B 4 6 C 7 5 9 9 D 1 F 4 3 12 9 17 13
Again, via Red State but it's originally from Realtor.com.
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From the Common Cents family to your family - - "Happy Easter"! 20 Apr 4:50 AM (8 days ago)
HAPPY EASTER from the Common Cents family. We celebrate Easter as the day that Jesus rose from the dead almost 2000 years ago. Two readings from the Gospels document this:
First from Matthew Chapter 28:
After the Sabbath, at dawn on the first day of the week,a Mary Magdalene and the other Mary went to see the tomb.
2Suddenly there was a great earthquake, for an angel of the Lord descended from heaven, rolled away the stone, and sat on it. 3His appearance was like lightning, and his clothes were white as snow. 4The guards trembled in fear of him and became like dead men.
5But the angel said to the women, “Do not be afraid, for I know that you are looking for Jesus, who was crucified. 6He is not here; He has risen, just as He said! Come, see the place where He lay.b 7Then go quickly and tell His disciples, ‘He has risen from the dead and is going ahead of you into Galilee. There you will see Him.’ See, I have told you.”
8So they hurried away from the tomb in fear and great joy, and ran to tell His disciples. 9Suddenlyc Jesus met them and said, “Greetings!” They came to Him, grasped His feet, and worshiped Him. 10“Do not be afraid,” said Jesus. “Go and tell My brothers to go to Galilee. There they will see Me.”
And a slightly different version from the Book of John:
1Early on the first day of the week,a while it was still dark, Mary Magdalene went to the tomb and saw that the stone had been removed from the entrance. 2So she came running to Simon Peter and the other disciple, the one whom Jesus loved. “They have taken the Lord out of the tomb,” she said, “and we do not know where they have put Him!”
3Then Peter and the other disciple set out for the tomb. 4The two were running together, but the other disciple outran Peter and reached the tomb first. 5He bent down and looked in at the linen cloths lying there, but he did not go in.
6Simon Peter arrived just after him. He entered the tomb and saw the linen cloths lying there. 7The clothb that had been around Jesus’ head was rolled up, lying separate from the linen cloths. 8Then the other disciple, who had reached the tomb first, also went in. And he saw and believed. 9For they still did not understand from the Scripture that Jesus had to rise from the dead.
Jesus Appears to Mary Magdalene
10Then the disciples returned to their homes. 11But Mary stood outside the tomb weeping. And as she wept, she bent down to look into the tomb, 12and she saw two angels in white sitting where the body of Jesus had lain, one at the head and the other at the feet.
13“Woman, why are you weeping?” they asked.
“Because they have taken my Lord away,” she said, “and I do not know where they have put Him.”
14When she had said this, she turned around and saw Jesus standing there; but she did not recognize that it was Jesus.
15“Woman, why are you weeping?” Jesus asked. “Whom are you seeking?”
Thinking He was the gardener, she said, “Sir, if you have carried Him off, tell me where you have put Him, and I will get Him.”
16Jesus said to her, “Mary.”
She turned and said to Him in Hebrew,c “Rabboni!” (which means “Teacher”).
17“Do not cling to Me,” Jesus said, “for I have not yet ascended to the Father. But go and tell My brothers, ‘I am ascending to My Father and your Father, to My God and your God.’ ”
18Mary Magdalene went and announced to the disciples, “I have seen the Lord!” And she told them what He had said to her.
MORE WINNING! Egg prices on the decline for first time in a year!!! RePost - - UPDATED 19 Apr 2:15 PM (8 days ago)
Nice news in time for Easter. It turns out that egg prices are on the decline for the first time in a year!
Egg prices ticked down for the first time in nearly a year during the first two weeks of April, the data analytics firm Earnest Analytics said Monday. Across 15 brands, a dozen eggs cost an average of $7.30 from April 1 to 13th, down 1.6% from a record $7.50 in March, Earnest said.
More relief may be on the way, with wholesale prices falling more than 20% from February to March, according to the US Bureau of Labor Statistics.
Consumers have lately cut back on egg purchases amid soaring prices, according to Earnest, which estimates sales in March fell more than 11% year-over-year. Federal authorities have also been monitoring egg prices, with the Department of Justice Department launching an investigation into alleged price gouging and requesting information from Cal-Main Foods (CALM). Cal-Maine, the largest US egg supplier, said earlier this month that it’s cooperating with the probe.
Read the rest of the story here.
Another story on the price of eggs falling is here on Yahoo News.
AUGUSTA, Ga. (WJBF) – Easter Weekend means many of you will be dyeing Easter eggs. And the cost of eggs is coming down just in time for the holiday.
Although egg prices are lower than two months ago, some local stores are struggling to get and keep eggs in their stores.
Lanier’s has only been able to get one case for each shipment. Sometimes, they come in broken, so only a few dozen can be put out for their customers. The good news is that the price of those eggs has decreased dramatically over the past two weeks — From 8-99 a dozen to the current price of 5-99.
“It’s really been a hindrance on getting the eggs and trying to keep them in stock,” said Arrie Towner, Store Manager at Lanier’s Fresh Meat Market. “I’ve never seen where I could get one case of eggs. Like that’s really been unheard of, and I’ve been buying for like ten years.”
The Earth Pantry gets its eggs from a local farmer. The owner says that has helped her keep her prices lower. She told me she had been called the hidden gem in the area.
“We have one of the lowest egg prices in town, and as people come in and realize they’re like, ‘oh, I got to get eggs here,’ we sell out really quickly,” said Alexia Redman, Owner and Founder of The Earth Pantry. “We get eggs every Tuesday around noon, and they’re usually gone by Wednesday afternoon.”
At Fresh Take, sales have increased since prices started dropping. The assistant manager is unsure if this has to do with Easter and people wanting to dye eggs or the prices.