Bijzonder
lage rente voor hypotheken heeft in de VS niet kunnen voorkomen dat
de huizenmarkt verder onderuitzakt. Vooral in de
dichtbevolkte binnensteden met daaromheen veel minder dicht bevolkte
buitenwijken, gebieden waar nog volop werkgelegenheid is te vinden,
komt de klad in de huizenverkoop……

Tegelijk
neemt het aantal achtergelaten huizen toe, dus waar de bewoners niet
langer de kosten op kunnen brengen voor hun veel te dure huis, ofwel
het gaat hier vooral over hypotheken die ‘onder water staan…’

In het
volgende artikel van Zero Hedge 50 voorbeelden van
gebieden waar de boel vast lijkt te lopen, terwijl vreemd genoeg de
huizenprijzen dalen in die gebieden, iets dergelijks gebeurde ook
voordat de crisis in 2008 in volle hevigheid losbarstte……
Destijds wist men in de VS slechte hypotheken te slijten aan vooral
Europese banken, wat voor veel van die banken de doodsklap was geweest, ware het
niet dat de burgers werden gedwongen op te draaien voor de verliezen
die het veel te hoog betaalde schoftentuig van banken hadden gemaakt, ofwel om de banken
te redden van faillissement……*

Here
Are The 50 US Housing Markets Already Turning Ugly

by
Tyler Durden

Mon,
12/23/2019 – 22:05

Plunging
mortgage rates in late 2018 through 2019 wasn’t enough to revive the
housing market (despite the hope of 20-year homebuilder sentiment).
Cracks are already starting to appear in many metro areas across the
country, as a more profound slowdown could
be imminent.

Last week, Home Depot ruined the
party and pretty much declared that a housing boom in 2020 is
non-existent. 

The home-improvement chain cut its
sales forecast for 2020, signaling that real estate and consumers
could exhibit weakness in the year ahead. 

The disappointing 2020 forecast
comes amid a report that 50 housing markets across the country are
already showing signs of a downturn. 

GOBankingRates evaluated
500 metro areas for high rates of foreclosures and underwater
mortgages, variations in median home listing prices, the number of
days homes are on the market, and the percentage of for-sale listings
with price cuts, against the national average and determined the 50
most at-risk metro areas that are already turning south.

GOBankingRates determined that
Peoria, Illinois, is the most at-risk metro area of seeing its
housing market implode. Florida had the highest amount of real estate
markets that were slowing. Here’s the full list: 

50. Fort Myers, Florida

• Median list price: $249,999
• 2-year price change: -1.4%
• Percentage of underwater
  mortgages: 6.9%

• Foreclosures: 1 in every
  1,921 homes

House prices are dropping in
this city in southwest Florida. While home prices nationwide have
climbed an average of 9.4% over the past two years, prices have
dropped 1.4% in Fort Myers over the same period. Plus, houses for
sale spend 105 days on the market in Fort Myers, on average, compared
with a national average of 66 days.

49. Newport News, Virginia

• Median list price: $190,000
• 2-year price change: 8.4%
• Percentage of underwater
  mortgages: 19.2%

• Foreclosures: 1 in every
  2,172 homes

The percentage of underwater
mortgages in this city in southeastern Virginia near Virginia
Beach is more than double the national average of 8.2%. However, the
real estate market here hasn’t turned too ugly yet. In fact, the
percentage of listed home with price cuts in Newport News — 12.6% —
is lower than the national average of 17.5%.

48. Cumming, Georgia

• Median list price: $383,511
• 2-year price change: 1.2%
• Percentage of underwater
  mortgages: 4%

• Foreclosures: 1 in every
  2,311 homes

Home prices still are rising in
this suburb of Atlanta — but not nearly as much as the
national average. In fact, home prices in Cumming increased an
average of just 0.7% over the past year. And 21.8% of listed homes
here have seen price cuts compared with a national average of 17.5%.

47. Toledo, Ohio

• Median list price: $84,900
• 2-year price change: 8.8%
• Percentage of underwater
  mortgages: 24.7%

• Foreclosures: 1 in every
  1,428 homes

Home price growth has slowed
over the past year in this western Ohio city on the banks of Lake
Erie. However, the bigger problem here is the high percentage of
underwater mortgages — which is about three times the national
average. Plus, the number of foreclosed homes is higher than the
national average.

46. Naperville, Illinois

• Median list price: $439,990
• 2-year price change: -2.2%
• Percentage of underwater
  mortgages: 6.5%

• Foreclosures: 1 in every
  3,897 homes

This Chicago suburb has made it
onto plenty of “best places to live” lists. However, the housing
market has been slumping here. Home prices have dropped more than 2%
over the past two years. And at 26.4%, Naperville has the highest
percentage of listed homes with prices cuts of any city on this list.

45. Sarasota, Florida

• Median list price: $359,000
• 2-year price change: 5.6%
• Percentage of underwater
  mortgages: 4.5%

• Foreclosures: 1 in every
  1,520 homes

South of Tampa on Florida’s
Gulf Coast, Sarasota has a real estate market that could turn ugly.
Home price growth has slowed. Houses for sale are sitting on the
market for an average of 99 days, far longer than the national
average of 66 days. On top of that, the foreclosure rate is higher in
Sarasota than it is nationwide.

44. Fort Lauderdale, Florida

• Median list price: $499,900
• 2-year price change: -0.2%
• Percentage of underwater
  mortgages: 7%

• Foreclosures: 1 in every
  1,507 homes

The current housing market is
slumping in this tourist destination about 30 miles north of Miami.
Home prices in Fort Lauderdale have fallen in the past two years. And
the average number of days houses stay on the market here — 133 —
is double the national average.

43. Menifee, California

• Median list price: $380,000
• 2-year price change: 8.3%
• Percentage of underwater
  mortgages: 5.5%

• Foreclosures: 1 in every
  808 homes

This city in Southern
California is part of the Los Angeles metro area. The median home
price in Menifee is well above the national median. However, the
housing market here could be headed for trouble. Menifee has the
third-highest foreclosure rate among cities on this list.

42. Tuscaloosa, Alabama

• Median list price: $207,988
• 2-year price change: 0%
• Percentage of underwater
  mortgages: 11.7%

• Foreclosures: 1 in every
  2,393 homes

Home to the University of
Alabama, Tuscaloosa has a higher percentage of homeowners with
negative equity than the nation as a whole. Nearly 12% of mortgages
are underwater here compared with about 8% nationwide. The
foreclosure rate also is slightly higher in Tuscaloosa than the
average across the U.S.

41. Wilmington, Delaware

• Median list price: $194,550
• 2-year price change: 0.5%
• Percentage of underwater
  mortgages: 15%

• Foreclosures: 1 in every
  1,218 homes

The percentage of foreclosed
properties in Delaware’s largest city is twice as high as the
national average. And the percentage of underwater mortgages in
Delaware is almost double the percentage nationwide.

40. Naples, Florida

• Median list price: $407,990
• 2-year price change: -8.8%
• Percentage of underwater
  mortgages: 6%

• Foreclosures: 1 in every
  2,515 homes

The housing market has been
slowing in this city on Florida’s Gulf Coast. While home prices
nationwide have climbed 9.4%, on average, over the past two years,
they’ve fallen 8.8% in Naples over the same period. And the average
number of days that homes are on the market here — 140 — is more
than double the national average.

39. West Palm Beach, Florida

• Median list price: $298,000
• 2-year price change: 1.4%
• Percentage of underwater
  mortgages: 7.3%

• Foreclosures: 1 in every
  1,297 homes

Although home prices have risen
slightly in West Palm Beach over the last two years, they’ve fallen
in the past year. In addition, houses for sale stay on the market in
this city north of Miami an average of 119 days compared with an
average of 66 days nationwide. The foreclosure rate here is also
higher than the national rate.

38. Waterbury, Connecticut

• Median list price: $125,000
• 2-year price change: 11.9%
• Percentage of underwater
  mortgages: 29.4%

• Foreclosures: 1 in every
  1,159 homes

Home prices have risen more in
this city 77 miles northeast of New York City over the past two
years than across the U.S. However, the housing market in Waterbury
could be in trouble. The percentage of underwater mortgages here is
higher than in any other city on this list.

37. Plainfield, Illinois

• Median list price: $284,450
• 2-year price change: 3.6%
• Percentage of underwater
  mortgages: 7.7%

• Foreclosures: 1 in every
  1,138 homes

Home prices have been rising in
this village 35 miles southwest of Chicago but not at the same pace
as the national average. More telltale signs, though, that the
housing market in Plainfield could be turning ugly are the relatively
high foreclosure rate and percentage of homes for sale with price
cuts. In fact, Plainfield has the second-highest percentage of listed
homes with price cuts at 25.3%.

36. Bakersfield, California

• Median list price: $276,400
• 2-year price change: 1.1%
• Percentage of underwater
  mortgages: 11.8%

• Foreclosures: 1 in every
  1,095 homes

Home price growth is slowing in
this agriculture hub in California’s Central Valley region.
However, foreclosures and underwater mortgages are even bigger
problems for Bakersfield’s real estate market. The rates for both
are higher than the national averages.

35. Jacksonville, Florida

• Median list price: $219,000
• 2-year price change: 11.8%
• Percentage of underwater
  mortgages: 11.2%

• Foreclosures: 1 in every
  814 homes

Home prices are rising at a
faster rate in Florida’s largest city, on average, than across the
U.S. But Jacksonville has one of the highest foreclosure rates of any
city on this list. The percentage of underwater mortgages in this
city on the Atlantic Coast also tops the national average.

34. Orlando, Florida

• Median list price: $289,000
• 2-year price change: 5.7%
• Percentage of underwater
  mortgages: 6.6%

• Foreclosures: 1 in every
  1,328 homes

The current housing market in
Orlando could use some Walt Disney World magic to keep it from
turning ugly. Home price growth in this tourist destination has been
slowing. And the percentage of listed homes with price cuts — 21.2%
— is higher than the national percentage. The foreclosure rate in
Orlando also is higher than the foreclosure rate nationwide.

33. McKinney, Texas

• Median list price: $379,243
• 2-year price change: -1.3%
• Percentage of underwater
  mortgages: 4.3%

• Foreclosures: 1 in every
  2,546 homes

Home prices have been falling
in this fast-growing city that is 30 miles north of Dallas. While
home prices have risen an average of 9.4% over the past two years
across America, prices have fallen 1.3% in McKinney. Plus, McKinney
has one of the highest percentages of listed homes with price cuts
among the cities on this list.

32. Summerville, South Carolina

• Median list price: $268,293
• 2-year price change: 4.9%
• Percentage of underwater
  mortgages: 6.3%

• Foreclosures: 1 in every
  1,279 homes

Houses for sale are lingering
on the market longer in Summerville than the national average — 72
days versus 66 days. The increase in home prices in this city 24
miles northwest of Charleston also is lagging behind the national
average. And the foreclosure rate in Summerville is twice as high as
the rate nationwide.

31. Annapolis, Maryland

• Median list price: $499,181
• 2-year price change: 0.7%
• Percentage of underwater
  mortgages: 9.5%

• Foreclosures: 1 in every
  3,964 homes

Although the foreclosure rate
in Annapolis is lower than the rate nationwide, the capital of
Maryland’s housing market is showing some signs of trouble. Home
price growth has slowed over the past year. In fact, the city has a
higher percentage of listed homes with price cuts than the percentage
nationwide. And houses are staying on the market 14 days longer than
the U.S. average.

30. Stamford, Connecticut

• Median list price: $569,950
• 2-year price change: 3.5%
• Percentage of underwater
  mortgages: 11.1%

• Foreclosures: 1 in every
  4,498 homes

The housing market is slowing
in this city about 30 miles from New York. Home prices haven’t
risen over the past year, and houses for sale are staying on the
market longer than the U.S. average. Plus, the percentage of
mortgages underwater in Stamford is higher than the percentage
nationwide.

29. Champaign, Illinois

• Median list price: $164,900
• 2-year price change: 3.2%
• Percentage of underwater
  mortgages: 11%

• Foreclosures: 1 in every
  2,173 homes

The housing market in this city
that is home to the University of Illinois is showing signs of
weakness. The growth in home prices has been slowing. Houses spend
more days on the market in Champaign than they do nationwide. And
both the foreclosure rate and percentage of homes underwater are
higher than the national rates.

28. Port Saint Lucie, Florida

• Median list price: $247,280
• 2-year price change: 7.6%
• Percentage of underwater
  mortgages: 6.2%

• Foreclosures: 1 in every
  1,171 homes

Although the percentage of
underwater mortgages is below the national average in this city
that’s halfway between Miami and Orlando, the foreclosure rate is
twice as high. Plus, home price growth has slowed in Port Saint
Lucie.

27. Bradenton, Florida

• Median list price: $293,700
• 2-year price change: 1.7%
• Percentage of underwater
  mortgages: 6.6%

• Foreclosures: 1 in every
  1,799 homes

The housing market is slowing
more in Bradenton than in neighboring Sarasota. Home prices have
fallen 0.3% over the past year. And 21% of listed homes have price
cuts compared with 19.8% in Sarasota and 17.5% nationwide.

26. Ocala, Florida

• Median list price: $181,900
• 2-year price change: 8.9%
• Percentage of underwater
  mortgages: 10.3%

• Foreclosures: 1 in every
  972 homes

The foreclosure rate in this
city in north-central Florida is among the top 10 highest on this
list. Plus, the percentage of underwater mortgages in Ocala is higher
than the U.S. average. To top it off, home price growth has slowed
over the past year.

25. Dayton, Ohio

• Median list price: $67,000
• 2-year price change: 16.5%
• Percentage of underwater
  mortgages: 27.6%

• Foreclosures: 1 in every
  1,820 homes

The big increase in home prices
in Dayton over the past two years might signal to some that the real
estate market in this southwestern Ohio city is doing just fine.
However, Dayton has the second-highest percentage of underwater
mortgages among the cities on this list. And the foreclosure rate is
higher here than the national rate.

24. Lehigh Acres, Florida

• Median list price: $180,000
• 2-year price change: 6.5%
• Percentage of underwater
  mortgages: 6.9%

• Foreclosures: 1 in every
  1,189 homes

Although the percentage of
underwater mortgages in Lehigh Acres is lower than the percentage
nationwide, the foreclosure rate is higher here than the U.S.
average. In addition, this city in the Fort Myers metro area on
Florida’s Gulf Coast has seen a slowdown in home price growth
over the past year. Twenty percent of homes listed for sale here have
had price cuts.

23. Rockford, Illinois

• Median list price: $100,00
• 2-year price change: 10.5%
• Percentage of underwater
  mortgages: 21%

• Foreclosures: 1 in every
  890 homes

Rockford’s real estate market
could turn ugly because a significant percentage of homeowners here
have negative equity. More than 20% of mortgages are underwater in
this northern Illinois city compared with about 8% nationally. Plus,
the foreclosure rate in Rockford is one of the highest among cities
on this list.

22. Mobile, Alabama

• Median list price: $159,900
• 2-year price change: 6.3%
• Percentage of underwater
  mortgages: 16.1%

• Foreclosures: 1 in every
  2,149 homes

Home prices are still rising in
this port city on the Gulf Coast, but not as fast as prices are
increasing across the U.S. However, the bigger problem for Mobile’s
real estate market is homeowners with negative equity. The percentage
of underwater mortgages here is twice the national average.

21. Cape Coral, Florida

• Median list price: $262,200
• 2-year price change: 4.2%
• Percentage of underwater
  mortgages: 5.5%

• Foreclosures: 1 in every
  1,191 homes

This city near Fort Myers has
seen rapid growth, but its current housing market is experiencing a
slowdown. Home prices increased just 0.1%, on average, over the past
year. Nearly 22% of homes listed for sale have price cuts. And houses
in Cape Coral stay on the market an average of 103 days compared with
a national average of 66 days.

20. Fort Pierce, Florida

• Median list price: $199,900
• 2-year price change: 0.5%
• Percentage of underwater
  mortgages: 9.7%

• Foreclosures: 1 in every
  1,585 homes

While home prices climbed more
than 9% nationwide over the past two years, they barely budged in
this small city on Florida’s Atlantic Coast. Nearly 10% of
mortgages are underwater in Fort Pierce compared with about 8%
nationwide. And the foreclosure rate is higher than the rate across
the U.S.

19. Suffolk, Virginia

• Median list price: $282,785
• 2-year price change: 0%
• Percentage of underwater
  mortgages: 14.8%

• Foreclosures: 1 in every
  1,846 homes

Home prices haven’t risen
any, on average, over the past two years in Suffolk. And homes for
sale stay on the market an average of 76 days compared with a
national average of 66 days. The other problems the real estate
market is facing in this city — which is part of the Virginia
Beach metro area — are the relatively high percentage of underwater
mortgages and high foreclosure rate.

18. Laurel, Maryland

• Median list price: $350,000
• 2-year price change: -2.8%
• Percentage of underwater
  mortgages: 12.6%

• Foreclosures: 1 in every
  1,457 homes

Home prices have been falling
in this city that’s located between Baltimore and Washington,
D.C. On top of that, nearly 13% of mortgages are underwater in
Laurel compared with about 8% nationwide. And the foreclosure rate is
higher than the U.S. average.

17. Joliet, Illinois

• Median list price: $169,900
• 2-year price change: 9.6%
• Percentage of underwater
  mortgages: 15.5%

• Foreclosures: 1 in every
  812 homes

Although home prices in Joliet
increased 9.6% over the past two years, prices haven’t risen any,
on average, over the past year. What’s more troubling, though, are
the high number of foreclosures and underwater mortgages in this city
30 miles southwest of Chicago. Joliet has the fourth-highest
foreclosure rate among cities on this list. And the percentage of
underwater mortgages here is almost double the percentage nationwide.

16. Valdosta, Georgia

• Median list price: $154,900
• 2-year price change: 0%
• Percentage of underwater
  mortgages: 22.7%

• Foreclosures: 1 in every
  3,304 homes

The foreclosure rate in this
city near the Georgia-Florida border is lower than the U.S.
average. However, Valdosta has one of the highest percentages of
underwater mortgages among cities on this list. Home prices here have
also fallen more than 6% over the past year.

15. Decatur, Illinois

• Median list price: $99,900
• 2-year price change: 8.5%
• Percentage of underwater
  mortgages: 20.4%

• Foreclosures: 1 in every
  5,785 homes

Decatur has the lowest
foreclosure rate among the cities on this list. But the housing
market in this central Illinois city could turn ugly due to its high
percentage of underwater mortgages. Decatur also has a higher
percentage of homes with price cuts than half of the cities on this
list, and homes for sale spend more days on the market here than in a
majority of cities.

14. Elgin, Illinois

• Median list price: $240,000
• 2-year price change: 7.8%
• Percentage of underwater
  mortgages: 11.9%

• Foreclosures: 1 in every
  1,223 homes

The foreclosure rate in this
Chicago suburb is twice the national rate. Plus, home price
growth in Elgin has slowed over the past year, and nearly 20% of
homes listed for sale have had price cuts.

13. Riverview, Florida

• Median list price: $252,990
• 2-year price change: 2.2%
• Percentage of underwater
  mortgages: 7.2%

• Foreclosures: 1 in every
  796 homes

Like other cities in the Tampa
area, Riverview has a housing market that could turn ugly. It has the
second-highest foreclosure rate on this list. Home price growth has
slowed over the past year. And nearly 25% of homes listed for sale
have had price cuts compared with 17.5% nationwide.

12. Atlanta

• Median list price: $339,500
• 2-year price change: 1.6%
• Percentage of underwater
  mortgages: 8.8%

• Foreclosures: 1 in every
  1,942 homes

Home prices have dropped 3%
over the past year in Georgia’s capital and largest city. Atlanta
is also seeing homes stay on the market longer than the U.S. average.
Plus, the foreclosure rate here is higher than the rate nationwide.

11. Lawton, Oklahoma

• Median list price: $99,900
• 2-year price change: 5%
• Percentage of underwater
  mortgages: 25.7%

• Foreclosures: 1 in every
  1,661 homes

Lawton has the fourth-highest
percentage of underwater mortgages among cities on this list. The
foreclosure rate also is higher in this southwestern Oklahoma city
than it is nationwide. And homes stay on the market an average of 117
days compared with a U.S. average of 66 days.

10. Hampton, Virginia

• Median list price: $182,000
• 2-year price change: 4.8%
• Percentage of underwater
  mortgages: 19.9%

• Foreclosures: 1 in every
  2,148 homes

Hampton is one of the
fastest-growing cities in the Hampton Roads region on the Chesapeake
Bay. However, it’s housing market has been slowing. Home prices
have fallen nearly 3%, on average, over the past year. And the
percentage of underwater mortgages here is double the percentage
nationwide.

9. Aurora, Illinois

• Median list price: $220,000
• 2-year price change: 4.7%
• Percentage of underwater
  mortgages: 11.8%

• Foreclosures: 1 in every
  1,491 homes

This Chicago suburb is actually
the second-largest city in Illinois. Its current housing market is
showing signs of trouble, though. Aurora has the fourth-highest
percentage of homes with price cuts at 23.7%. And the foreclosure
rate and percentage of underwater mortgages are higher than the U.S.
averages.

Voor de rest van de voorbeelden: zie het origineeel.

========================================

* Zie: ‘Belastingschijven onrecht: Rutte 3 knijpt de onderlaag verder af met verhoging belastingtarief, terwijl de welgestelden een belastingverlaging krijgen‘ (en zie de reacties onder dat bericht)